{"metadata":{"transaction_key":"deprecated","request_id":"019ff85c-c905-7850-aa9a-dfce53c4f309","sha256":"9fac9a4e2bf747133b252b21656f85cd6cc1b38193b211e2b2268ac995a19b39","created":"2026-08-12T23:44:20.593Z","duration":655.2719,"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":2577,"output_tokens":104},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2888,"output_tokens":2894},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2888,"output_tokens":259}},"results":{"channels":[{"alternatives":[{"transcript":"Emma, Chevy Todd giving you a call from IP Financial. How are you? I am very well. Thank you for asking. I apologize for being three minutes late. I had skid kid's school drop off. So traffic is just getting worse and worse by the second. It's crazy. Yeah. And you probably understand I'm I'm in Mary Mac. So you're just around the corner. But, Yeah. It's crazy. So it's like, it's just I don't know where all the humans just came from. It's it's unbelievable. I don't know how they're asking them. Anyway, I'm just giving you a quick call regarding your six transfer terms eligibility questionnaire. So do you have time now? Or beautiful. Are you currently off work or unable to perform the full and normal duties of the occupation on a full time basis or at least for thirty hours per week at the moment? Yeah. That's fine. That's the that knows the answer you want, but but just answer them honestly as honest as you can. Alright? Yeah. So are you currently off work, which in March, because we've been we spoke before? Yep. So are you currently off work or unable to perform the full and normal duties of the occupation? Answer is no. Alright? Beautiful. Yeah. No. Correct. So answer the exact question, please. I'll be that'll be very beneficial for all of us. It's honestly and truthfully no. That's alright. Did you want me to call back after you've had a coffee? Or okay. Beautiful. So so question two, have you in the last twelve months been absent from work or unable to fully perform your duties of your usual occupation, whether employed or unemployed, or your unpaid domestic duties if you are unemployed or sole occupation director due to illness or injury. So you weren't working because of maternity leave, but it wasn't because of injury or illness. Right? Perfect. So have you been diagnosed or do you suffer from an illness that may cause permanent inability to work or because of a terminal illness? Beautiful. Have you ever had an insurance application for death only, death and total permanent disability, or terminal illness, or income protection cover ever be refused? The answer is no because we withdraw your previous app. Right? So you've never had a decline. Beautiful. Have you ever been paid or eligible to be paid? You're currently in the process of submitting a claim for any sort of insurance or workers' comp. Beautiful. Last question. Have you ever had an insurance application for death, death, and total permanent disability, terminal illness, or income protection cover? Have it been modified or opted on nonstandard terms in regards to medical or other conditions? The answer is no because we haven't submitted that first application. Okay. That's it. No. No. So so let me just reiterate why I know you're kind of in a in a in a rush before. So let's just go through it again. So when we went through the insurance application, we we submitted that with the insurer that we recommended, but that goes to what's called an underwriter. The underwriter for a comprehensive insurance cover, they assess your risk and work with the actuaries to work out what that monetary value of that risk is. K? That's how you get the insurance premium. Now with your situation, because of the personal depression and the the exclusions and the loadings, when you get a number that does build up depending on your health and age and stage in life. Right? So because of the the concerns with the bilateral knee excursion, things like that, that's as well as the mental health excursion because of your postnatal depression, which was within the last year and a half probably. Right? That means that there's a mental health exclusion, but there's also two knee exclusions. Right? So that's three exclusions in total. If there's three exclusions in total, then it's more than likely too much risk for an insurer to provide you insurance, which is called a decline. Okay? Now we don't want that to happen, and we wanna withdraw the application before you actually get that formal letter. Okay? Because that's just inquiring. That's not actually going through with the process. Alright? So what we need to do now is we don't want the decline. We won't be able to get covered as adequate for you and your family. So what's the what can we do about? Well, how do we get your super consolidated into one place to get it working harder for you, but at the same time, make sure that you got insurance covered. If not enough, at least some. Right? And that means that we can do what's called takeover terms, which is Hub 24. So Hub 24, the product that we're recommending, actually does what's called takeover terms, where you answer these six questions and we can they can literally take over the terms of the policy that you hold in group cover, which is currently with your current super fund. And then what we can do is just literally move them over, and they're gonna be owned under the platform of Upstream for instead of the existing super fund. Under the condition that you answer now to all six questions, which you have? Correct. Correct. So just right now, I wanna consolidate your funds to, you know, snowball effect compounding returns a beautiful thing. I want don't want two super funds, portion portions in each. I would like to have the it's called a retention strategy where you have the majority of your funds in one place that's working hard and getting better return, tracking for retirement, but then you leave a minimum amount in the previous one. And most most of the most of the time, we do that for, like, government employees, like, doctors where you've got into what's called an EBA, an enterprise bargaining arrangement, where you aren't allowed to pay sup where the employer isn't paying supers or anywhere else other than that one specific fund. But that, usually, that fund doesn't perform that well because of government. Right? So that's why we do a retention strategy. But in all cases, a beneficial outcome is not to do. And that's what I'm trying to do. I'm trying to see the best outcome because they may look after your best interest. Okay? Does that make sense? Does that answer your question? Or Beautiful. Amazing. Amazing. Well, look, I also sorry. Go on. Yep. Yep. That's alright. We we could check on our site, but look, it won't hurt. Yeah. Correct. So but but it won't hurt at all. I mean, if you yeah. If you just let us know, if you can see it on your end, you know, it's just that we both if we both carry on checking, you'll be amazed by how many times these the payslip status change. But just admin, you know, the payroll kind of sector, they just they just pay to the same super funds or what, and just someone just doesn't change it. So that's yes. Yeah. Correct. And then the worst part is that's one of the worst things that can happen. The worst thing that can happen is move all super funds over and cancel your existing insurances so that you're unsure. That's what, by far, the worst thing that can happen. Right? Murphy's law, something will happen to you, you're not sure. But the second worst thing is more actually, not more of them, but sometimes the we will close on the existing Superfund, move your funds over to whichever funds recommended for a client, and then the employer, even after receiving that Superdrugs contribution form that you filled out and submitted, they will receive it. They'll say it they'll send you a pay slip that you're paying it, but if they just transfer it because of administration errors, whatever it might be, they just transfer it straight into the old time. And what happens is they don't reject that money because you don't have an account. They set up a whole new account with the all and they charge all the fees again, and it's it's yeah. It's not not the best outcome. But, look, we've dealt with it before, so we'll deal with it again, I'm sure. But, yeah, look, we've we've been pretty pretty we're pretty diligent when it comes to this stuff. We've been doing it for a long time. Either or info. Yeah. Maddie, myself, info is a good one. Info, like, INFO as of three Financial. But look, just just if you just send it straight to me, I'll make sure that it gets done. So Yep. Yeah. Yep. Join forces. We'll make it happen. Sorry. I'm just trying. I'm a boy. I can only do one thing at a time. It's a benefit and a curse sometimes, but submitted super choice nomination form and change on a work already. Just waiting to receive under the top of payroll. Super contribution. How to buy. Beautiful. Yeah. Look. That's pretty much everything. So we're gonna submit that take over terms application. Once we go through that, when we you know, you just let us know when you receive the when you've received that pay or we'll find it first. Either or I'll erase you to emails and try the best. Okay? And once the take a chance to get approved and move down, but what we'll do is just we will keep you updated. We'll let you know pretty much when the strategy is completed. Perfect. How's everything been so far? Nice and easy? Or Yeah. Nice. Beautiful. It's yeah. There's a lot of movements and I just wanna make sure that you're comfortable and know what's going on. Beautiful. Alright, Paul. Cameron, you enjoy the rest of your day. Alright? I'll speak to you soon. See you. Bye.","confidence":0.97998047,"words":[{"word":"emma","start":3.1999998,"end":3.6799998,"confidence":0.5690918,"punctuated_word":"Emma,","sentiment":"neutral","sentiment_score":0.0429539680480957},{"word":"chevy","start":3.6799998,"end":4.0,"confidence":0.16479492,"punctuated_word":"Chevy","sentiment":"neutral","sentiment_score":0.06689302623271942},{"word":"todd","start":4.0,"end":4.24,"confidence":0.24060059,"punctuated_word":"Todd","sentiment":"neutral","sentiment_score":0.07072766870260239},{"word":"giving","start":4.24,"end":4.48,"confidence":0.37719727,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.05577331781387329},{"word":"you","start":4.48,"end":4.56,"confidence":0.94970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06261422485113144},{"word":"a","start":4.56,"end":4.64,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07742312550544739},{"word":"call","start":4.64,"end":4.88,"confidence":0.99121094,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.07903417944908142},{"word":"from","start":4.88,"end":5.04,"confidence":0.99316406,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0741361752152443},{"word":"ip","start":5.04,"end":5.2799997,"confidence":0.28759766,"punctuated_word":"IP","sentiment":"neutral","sentiment_score":0.06579232215881348},{"word":"financial","start":5.2799997,"end":5.7799997,"confidence":0.98950195,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.06915241479873657},{"word":"how","start":6.08,"end":6.24,"confidence":0.99902344,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.09027902781963348},{"word":"are","start":6.24,"end":6.3999996,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08845606446266174},{"word":"you","start":6.3999996,"end":6.8999996,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.09958989918231964},{"word":"i","start":8.48,"end":8.639999,"confidence":0.734375,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4287177622318268},{"word":"am","start":8.639999,"end":8.88,"confidence":0.52490234,"punctuated_word":"am","sentiment":"positive","sentiment_score":0.4343205690383911},{"word":"very","start":8.88,"end":9.28,"confidence":0.9980469,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.457517147064209},{"word":"well","start":9.28,"end":9.5199995,"confidence":0.9970703,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.43530547618865967},{"word":"thank","start":9.5199995,"end":9.679999,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.453833281993866},{"word":"you","start":9.679999,"end":9.84,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.44386282563209534},{"word":"for","start":9.84,"end":10.0,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.487985759973526},{"word":"asking","start":10.0,"end":10.4,"confidence":0.9995117,"punctuated_word":"asking.","sentiment":"positive","sentiment_score":0.49480557441711426},{"word":"i","start":10.4,"end":10.559999,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06289324909448624},{"word":"apologize","start":10.559999,"end":11.04,"confidence":0.9980469,"punctuated_word":"apologize","sentiment":"neutral","sentiment_score":-0.16383899748325348},{"word":"for","start":11.04,"end":11.12,"confidence":0.9658203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.12484225630760191},{"word":"being","start":11.12,"end":11.36,"confidence":0.9970703,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.1132870689034462},{"word":"three","start":11.36,"end":11.599999,"confidence":0.9951172,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.16226407885551453},{"word":"minutes","start":11.599999,"end":11.92,"confidence":0.99902344,"punctuated_word":"minutes","sentiment":"neutral","sentiment_score":-0.16278932988643646},{"word":"late","start":11.92,"end":12.24,"confidence":0.9980469,"punctuated_word":"late.","sentiment":"neutral","sentiment_score":-0.21277612447738647},{"word":"i","start":12.24,"end":12.74,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2384408712387085},{"word":"had","start":12.799999,"end":13.299999,"confidence":0.73876953,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.245192751288414},{"word":"skid","start":13.365,"end":13.605,"confidence":0.7380371,"punctuated_word":"skid","sentiment":"neutral","sentiment_score":-0.2194041907787323},{"word":"kid's","start":13.844999,"end":14.325,"confidence":0.5041504,"punctuated_word":"kid's","sentiment":"neutral","sentiment_score":-0.24203287065029144},{"word":"school","start":14.325,"end":14.6449995,"confidence":0.9863281,"punctuated_word":"school","sentiment":"neutral","sentiment_score":-0.2760854661464691},{"word":"drop","start":14.6449995,"end":14.885,"confidence":0.96240234,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.2366783320903778},{"word":"off","start":14.885,"end":15.205,"confidence":0.89404297,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.23952938616275787},{"word":"so","start":15.205,"end":15.705,"confidence":0.72998047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.17884989082813263},{"word":"traffic","start":15.764999,"end":16.244999,"confidence":0.9194336,"punctuated_word":"traffic","sentiment":"neutral","sentiment_score":-0.19141004979610443},{"word":"is","start":16.244999,"end":16.744999,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2649841010570526},{"word":"just","start":16.885,"end":17.045,"confidence":0.4724121,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.24045999348163605},{"word":"getting","start":17.045,"end":17.285,"confidence":0.9790039,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.24417467415332791},{"word":"worse","start":17.285,"end":17.525,"confidence":0.97314453,"punctuated_word":"worse","sentiment":"negative","sentiment_score":-0.369719535112381},{"word":"and","start":17.525,"end":17.685,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2862343490123749},{"word":"worse","start":17.685,"end":18.005,"confidence":0.93408203,"punctuated_word":"worse","sentiment":"negative","sentiment_score":-0.3654730021953583},{"word":"by","start":18.005,"end":18.244999,"confidence":0.9980469,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.31422048807144165},{"word":"the","start":18.244999,"end":18.404999,"confidence":0.9658203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2902357280254364},{"word":"second","start":18.404999,"end":18.904999,"confidence":0.9753418,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":-0.27738550305366516},{"word":"it's","start":19.445,"end":19.525,"confidence":0.6907959,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.33618780970573425},{"word":"crazy","start":19.525,"end":20.025,"confidence":0.9797363,"punctuated_word":"crazy.","sentiment":"neutral","sentiment_score":-0.2373160421848297},{"word":"yeah","start":22.724998,"end":22.965,"confidence":0.89501953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010546106845140455},{"word":"and","start":22.965,"end":23.125,"confidence":0.93603516,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0005547404289245605},{"word":"you","start":23.125,"end":23.285,"confidence":0.9819336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011085473001003264},{"word":"probably","start":23.285,"end":23.605,"confidence":0.98828125,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.013349860906600952},{"word":"understand","start":23.605,"end":24.085,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.027830995619297028},{"word":"i'm","start":24.085,"end":24.325,"confidence":0.8820801,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.014075668528676031},{"word":"i'm","start":24.325,"end":24.485,"confidence":0.99609375,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.00646029319614172},{"word":"in","start":24.485,"end":24.724998,"confidence":0.9838867,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.004558984190225601},{"word":"mary","start":24.724998,"end":25.044998,"confidence":0.37475586,"punctuated_word":"Mary","sentiment":"neutral","sentiment_score":-0.010137200355529783},{"word":"mac","start":25.044998,"end":25.205,"confidence":0.51342773,"punctuated_word":"Mac.","sentiment":"neutral","sentiment_score":-0.00879913941025734},{"word":"so","start":25.205,"end":25.365,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.015679921954870224},{"word":"you're","start":25.365,"end":25.525,"confidence":0.88183594,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.02271052822470665},{"word":"just","start":25.525,"end":25.765,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.026473194360733032},{"word":"around","start":25.765,"end":26.005,"confidence":0.875,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.02709967829287052},{"word":"the","start":26.005,"end":26.164999,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03263188526034355},{"word":"corner","start":26.164999,"end":26.664999,"confidence":0.92285156,"punctuated_word":"corner.","sentiment":"neutral","sentiment_score":-0.026862196624279026},{"word":"but","start":26.724998,"end":27.224998,"confidence":0.4822998,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.031051509082317352},{"word":"yeah","start":29.380001,"end":29.7,"confidence":0.86743164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.16368739306926727},{"word":"it's","start":29.7,"end":29.94,"confidence":0.9909668,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.276286780834198},{"word":"crazy","start":29.94,"end":30.34,"confidence":0.796875,"punctuated_word":"crazy.","sentiment":"neutral","sentiment_score":-0.2582046389579773},{"word":"so","start":30.34,"end":30.5,"confidence":0.3100586,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2368163764476776},{"word":"it's","start":30.5,"end":30.66,"confidence":0.7050781,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.26580601930618286},{"word":"like","start":30.66,"end":30.74,"confidence":0.352417,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.21726325154304504},{"word":"it's","start":30.74,"end":31.060001,"confidence":0.90722656,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.29036960005760193},{"word":"just","start":31.060001,"end":31.140001,"confidence":0.9838867,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2770512104034424},{"word":"i","start":31.220001,"end":31.380001,"confidence":0.99902344,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.34107863903045654},{"word":"don't","start":31.380001,"end":31.54,"confidence":0.9970703,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.3016756772994995},{"word":"know","start":31.54,"end":31.7,"confidence":0.9902344,"punctuated_word":"know","sentiment":"negative","sentiment_score":-0.3342360854148865},{"word":"where","start":31.7,"end":31.94,"confidence":0.99609375,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.3163132071495056},{"word":"all","start":31.94,"end":32.1,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.3069143295288086},{"word":"the","start":32.1,"end":32.260002,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.31993842124938965},{"word":"humans","start":32.260002,"end":32.74,"confidence":0.7529297,"punctuated_word":"humans","sentiment":"neutral","sentiment_score":-0.2914592921733856},{"word":"just","start":32.74,"end":32.9,"confidence":0.9760742,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2946443259716034},{"word":"came","start":32.9,"end":33.14,"confidence":0.99609375,"punctuated_word":"came","sentiment":"neutral","sentiment_score":-0.3025934398174286},{"word":"from","start":33.14,"end":33.46,"confidence":0.98950195,"punctuated_word":"from.","sentiment":"neutral","sentiment_score":-0.28530609607696533},{"word":"it's","start":33.46,"end":33.7,"confidence":0.9921875,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.3603284955024719},{"word":"it's","start":33.7,"end":33.940002,"confidence":0.99609375,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.4417836666107178},{"word":"unbelievable","start":33.940002,"end":34.440002,"confidence":0.96240234,"punctuated_word":"unbelievable.","sentiment":"negative","sentiment_score":-0.4081004858016968},{"word":"i","start":34.82,"end":34.9,"confidence":0.55810547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.31842753291130066},{"word":"don't","start":34.9,"end":35.14,"confidence":0.9313965,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.28343790769577026},{"word":"know","start":35.14,"end":35.22,"confidence":0.9790039,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.2882278859615326},{"word":"how","start":35.22,"end":35.38,"confidence":0.8984375,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.3010258972644806},{"word":"they're","start":35.38,"end":35.46,"confidence":0.36364746,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.23208433389663696},{"word":"asking","start":35.46,"end":35.86,"confidence":0.29467773,"punctuated_word":"asking","sentiment":"neutral","sentiment_score":-0.1848210245370865},{"word":"them","start":35.86,"end":36.36,"confidence":0.23132324,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":-0.2142162322998047},{"word":"anyway","start":37.14,"end":37.38,"confidence":0.9086914,"punctuated_word":"Anyway,","sentiment":"neutral","sentiment_score":-0.01827382668852806},{"word":"i'm","start":37.38,"end":37.54,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0036888986360281706},{"word":"just","start":37.54,"end":37.7,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.009820908308029177},{"word":"giving","start":37.7,"end":37.940002,"confidence":0.98291016,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.00714699923992157},{"word":"you","start":37.940002,"end":38.1,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.014484653249382973},{"word":"a","start":38.1,"end":38.18,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.013766958378255367},{"word":"quick","start":38.18,"end":38.42,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.02316012978553772},{"word":"call","start":38.42,"end":38.66,"confidence":0.9375,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.02235142327845097},{"word":"regarding","start":38.66,"end":39.06,"confidence":0.99902344,"punctuated_word":"regarding","sentiment":"neutral","sentiment_score":0.027425475418567657},{"word":"your","start":39.06,"end":39.56,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01821848750114441},{"word":"six","start":39.62,"end":39.940002,"confidence":0.86279297,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.01605672389268875},{"word":"transfer","start":39.940002,"end":40.42,"confidence":0.4267578,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":-0.0001536346971988678},{"word":"terms","start":40.42,"end":40.92,"confidence":0.78125,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.0063042957335710526},{"word":"eligibility","start":41.54,"end":41.86,"confidence":0.9316406,"punctuated_word":"eligibility","sentiment":"neutral","sentiment_score":0.016238508746027946},{"word":"questionnaire","start":41.86,"end":42.36,"confidence":0.97753906,"punctuated_word":"questionnaire.","sentiment":"neutral","sentiment_score":0.006616143509745598},{"word":"so","start":42.755,"end":42.915,"confidence":0.97998047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.011691284365952017},{"word":"do","start":42.915,"end":42.995003,"confidence":0.80322266,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.006005574949085712},{"word":"you","start":42.995003,"end":43.075,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00023803766816854477},{"word":"have","start":43.075,"end":43.155,"confidence":0.98828125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0010686758905649183},{"word":"time","start":43.155,"end":43.475,"confidence":0.984375,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.007910644635558128},{"word":"now","start":43.475,"end":43.975,"confidence":0.7281494,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":-0.004837853834033012},{"word":"or","start":44.195,"end":44.695,"confidence":0.7182617,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.00275227427482605},{"word":"beautiful","start":45.075,"end":45.575,"confidence":0.73657227,"punctuated_word":"beautiful.","sentiment":"neutral","sentiment_score":-0.006112102419137955},{"word":"are","start":45.954998,"end":46.195,"confidence":0.9873047,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.028147518634796143},{"word":"you","start":46.195,"end":46.355,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04071410745382309},{"word":"currently","start":46.355,"end":46.855,"confidence":0.99902344,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.04480047896504402},{"word":"off","start":46.915,"end":47.075,"confidence":0.9902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.049150437116622925},{"word":"work","start":47.075,"end":47.395,"confidence":0.9970703,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.06097789853811264},{"word":"or","start":47.395,"end":47.555,"confidence":0.96240234,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08227270841598511},{"word":"unable","start":47.555,"end":48.035,"confidence":0.99902344,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.06999769806861877},{"word":"to","start":48.035,"end":48.274998,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07358264178037643},{"word":"perform","start":48.274998,"end":48.754997,"confidence":1.0,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":-0.07745558023452759},{"word":"the","start":48.754997,"end":48.915,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0723346546292305},{"word":"full","start":48.915,"end":49.155,"confidence":0.9951172,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.065347820520401},{"word":"and","start":49.155,"end":49.395,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06605617702007294},{"word":"normal","start":49.395,"end":49.715,"confidence":1.0,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":-0.08220767229795456},{"word":"duties","start":49.715,"end":50.114998,"confidence":0.9980469,"punctuated_word":"duties","sentiment":"neutral","sentiment_score":-0.05709948390722275},{"word":"of","start":50.114998,"end":50.274998,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05391460657119751},{"word":"the","start":50.274998,"end":50.434998,"confidence":0.7651367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05024374276399613},{"word":"occupation","start":50.434998,"end":50.934998,"confidence":0.98095703,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":-0.046697087585926056},{"word":"on","start":51.475,"end":51.715,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04622683301568031},{"word":"a","start":51.715,"end":51.954998,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05295567214488983},{"word":"full","start":51.954998,"end":52.195,"confidence":0.9980469,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.056350525468587875},{"word":"time","start":52.195,"end":52.434998,"confidence":0.9970703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.03998219966888428},{"word":"basis","start":52.434998,"end":52.835,"confidence":1.0,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":-0.05314742028713226},{"word":"or","start":52.835,"end":52.995,"confidence":0.51904297,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0542697012424469},{"word":"at","start":52.995,"end":53.155,"confidence":0.96533203,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05725296214222908},{"word":"least","start":53.155,"end":53.315,"confidence":0.99902344,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.06148383766412735},{"word":"for","start":53.315,"end":53.475,"confidence":0.9580078,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.056576117873191833},{"word":"thirty","start":53.475,"end":53.715,"confidence":0.9394531,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.049728874117136},{"word":"hours","start":53.715,"end":53.954998,"confidence":0.9970703,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":-0.04397408664226532},{"word":"per","start":53.954998,"end":54.195,"confidence":0.9819336,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.03848068416118622},{"word":"week","start":54.195,"end":54.434998,"confidence":0.99609375,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.0371539369225502},{"word":"at","start":54.434998,"end":54.595,"confidence":0.9819336,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04988165199756622},{"word":"the","start":54.595,"end":54.675,"confidence":0.9453125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05120795592665672},{"word":"moment","start":54.675,"end":55.175,"confidence":0.9941406,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":-0.05050807446241379},{"word":"yeah","start":59.7,"end":60.1,"confidence":0.87402344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03721585124731064},{"word":"that's","start":60.1,"end":60.6,"confidence":0.8220215,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.02155403606593609},{"word":"fine","start":61.18,"end":61.68,"confidence":0.7512207,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":-0.013969214633107184},{"word":"that's","start":62.26,"end":62.579998,"confidence":0.6311035,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.013866299763321877},{"word":"the","start":62.579998,"end":62.9,"confidence":0.81152344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009132444858551024},{"word":"that","start":63.059998,"end":63.3,"confidence":0.5966797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0013402141630649569},{"word":"knows","start":63.3,"end":63.54,"confidence":0.24353027,"punctuated_word":"knows","sentiment":"neutral","sentiment_score":-0.007102407515048981},{"word":"the","start":63.54,"end":63.7,"confidence":0.95947266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005897939205169678},{"word":"answer","start":63.7,"end":64.02,"confidence":0.99609375,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":-0.0040994323790073395},{"word":"you","start":64.02,"end":64.18,"confidence":0.90722656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006613276898860931},{"word":"want","start":64.18,"end":64.5,"confidence":0.8354492,"punctuated_word":"want,","sentiment":"neutral","sentiment_score":-0.0019478313624858856},{"word":"but","start":64.5,"end":64.9,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.00918576866388321},{"word":"but","start":64.9,"end":65.14,"confidence":0.41796875,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.014515172690153122},{"word":"just","start":65.14,"end":65.38,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.030329428613185883},{"word":"answer","start":65.38,"end":65.7,"confidence":0.96777344,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":-0.009134307503700256},{"word":"them","start":65.7,"end":65.86,"confidence":0.93847656,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.01414640247821808},{"word":"honestly","start":65.86,"end":66.36,"confidence":0.890625,"punctuated_word":"honestly","sentiment":"neutral","sentiment_score":-0.026415295898914337},{"word":"as","start":66.58,"end":66.9,"confidence":0.5683594,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.030735403299331665},{"word":"honest","start":66.9,"end":67.22,"confidence":0.89746094,"punctuated_word":"honest","sentiment":"neutral","sentiment_score":-0.041106149554252625},{"word":"as","start":67.22,"end":67.46,"confidence":0.98535156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.004646509885787964},{"word":"you","start":67.46,"end":67.54,"confidence":0.97509766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.001908138394355774},{"word":"can","start":67.54,"end":68.04,"confidence":0.83447266,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":-0.014177970588207243},{"word":"alright","start":68.1,"end":68.6,"confidence":0.5944824,"punctuated_word":"Alright?","sentiment":"neutral","sentiment_score":-0.00299981189891696},{"word":"yeah","start":74.355,"end":74.675,"confidence":0.7976074,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.015887530520558357},{"word":"so","start":74.675,"end":75.15501,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.021562885493040085},{"word":"are","start":75.15501,"end":75.315,"confidence":0.9873047,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.02100715972483158},{"word":"you","start":75.315,"end":75.555,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03024972230195999},{"word":"currently","start":75.555,"end":76.055,"confidence":0.99902344,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.03715777397155762},{"word":"off","start":76.275,"end":76.595,"confidence":0.7607422,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.026059463620185852},{"word":"work","start":76.595,"end":77.075005,"confidence":0.6939697,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.0431361049413681},{"word":"which","start":77.075005,"end":77.395004,"confidence":0.94921875,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.04075054824352264},{"word":"in","start":77.395004,"end":77.555,"confidence":0.5107422,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04270974546670914},{"word":"march","start":77.555,"end":77.875,"confidence":0.62158203,"punctuated_word":"March,","sentiment":"neutral","sentiment_score":-0.03789149969816208},{"word":"because","start":77.875,"end":78.19501,"confidence":0.8198242,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.05038712918758392},{"word":"we've","start":78.19501,"end":78.435005,"confidence":0.3647461,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.02853301912546158},{"word":"been","start":78.435005,"end":78.595,"confidence":0.2614746,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.02904831245541573},{"word":"we","start":78.595,"end":78.755005,"confidence":0.09716797,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02536623552441597},{"word":"spoke","start":78.755005,"end":79.075005,"confidence":0.5024414,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":-0.011462658643722534},{"word":"before","start":79.075005,"end":79.555,"confidence":0.69226074,"punctuated_word":"before?","sentiment":"neutral","sentiment_score":-0.0233688335865736},{"word":"yep","start":79.555,"end":79.875,"confidence":0.88793945,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.015383816324174404},{"word":"so","start":79.875,"end":80.035,"confidence":0.96777344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.020970353856682777},{"word":"are","start":80.035,"end":80.19501,"confidence":0.984375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.024729862809181213},{"word":"you","start":80.19501,"end":80.275,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.029025182127952576},{"word":"currently","start":80.275,"end":80.755005,"confidence":0.99609375,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.03390857204794884},{"word":"off","start":80.755005,"end":80.915,"confidence":0.99316406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.029105205088853836},{"word":"work","start":80.915,"end":81.15501,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.03737987577915192},{"word":"or","start":81.15501,"end":81.315,"confidence":0.9667969,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.053166430443525314},{"word":"unable","start":81.315,"end":81.795006,"confidence":0.9980469,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.04607051610946655},{"word":"to","start":81.795006,"end":81.955,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.047893524169921875},{"word":"perform","start":81.955,"end":82.455,"confidence":0.9980469,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":-0.04974514618515968},{"word":"the","start":82.67,"end":82.829994,"confidence":0.9453125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05362797528505325},{"word":"full","start":82.829994,"end":82.99,"confidence":0.9707031,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.04758929461240768},{"word":"and","start":82.99,"end":83.07,"confidence":0.9326172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05376189947128296},{"word":"normal","start":83.07,"end":83.46999,"confidence":0.99902344,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":-0.058610498905181885},{"word":"duties","start":83.46999,"end":83.78999,"confidence":0.9970703,"punctuated_word":"duties","sentiment":"neutral","sentiment_score":-0.04260428994894028},{"word":"of","start":83.78999,"end":83.95,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0427008718252182},{"word":"the","start":83.95,"end":84.10999,"confidence":0.63623047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03788396716117859},{"word":"occupation","start":84.10999,"end":84.60999,"confidence":0.98706055,"punctuated_word":"occupation?","sentiment":"neutral","sentiment_score":-0.04827720671892166},{"word":"answer","start":84.829994,"end":85.229996,"confidence":0.6845703,"punctuated_word":"Answer","sentiment":"neutral","sentiment_score":-0.0913672223687172},{"word":"is","start":85.229996,"end":85.31,"confidence":0.58447266,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09210918843746184},{"word":"no","start":85.31,"end":85.549995,"confidence":0.9921875,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.10306283831596376},{"word":"alright","start":85.549995,"end":86.049995,"confidence":0.75561523,"punctuated_word":"Alright?","sentiment":"neutral","sentiment_score":-0.04802393168210983},{"word":"beautiful","start":87.71,"end":88.21,"confidence":0.9399414,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.05760269984602928},{"word":"yeah","start":94.03,"end":94.42999,"confidence":0.83862305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04061124473810196},{"word":"no","start":94.42999,"end":94.75,"confidence":0.9916992,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05394826829433441},{"word":"correct","start":94.75,"end":95.229996,"confidence":0.99072266,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.0008274195715785027},{"word":"so","start":95.229996,"end":95.46999,"confidence":0.8520508,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.002429068088531494},{"word":"answer","start":95.46999,"end":95.869995,"confidence":0.94628906,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":0.0012713614851236343},{"word":"the","start":95.869995,"end":96.10999,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0008966587483882904},{"word":"exact","start":96.10999,"end":96.60999,"confidence":1.0,"punctuated_word":"exact","sentiment":"neutral","sentiment_score":0.018932342529296875},{"word":"question","start":96.75,"end":97.25,"confidence":0.9055176,"punctuated_word":"question,","sentiment":"neutral","sentiment_score":0.01907381042838097},{"word":"please","start":97.39,"end":97.845,"confidence":0.9707031,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.022904884070158005},{"word":"i'll","start":97.925,"end":98.165,"confidence":0.7973633,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.18960583209991455},{"word":"be","start":98.165,"end":98.245,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.23051807284355164},{"word":"that'll","start":98.325005,"end":98.725,"confidence":0.86206055,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.2703726291656494},{"word":"be","start":98.725,"end":98.885,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.32454657554626465},{"word":"very","start":98.885,"end":99.205,"confidence":0.9980469,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.3330012857913971},{"word":"beneficial","start":99.205,"end":99.685,"confidence":0.9980469,"punctuated_word":"beneficial","sentiment":"positive","sentiment_score":0.35033443570137024},{"word":"for","start":99.685,"end":99.925,"confidence":0.9223633,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2866954803466797},{"word":"all","start":99.925,"end":100.085,"confidence":0.9472656,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.27093493938446045},{"word":"of","start":100.085,"end":100.165,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22848987579345703},{"word":"us","start":100.165,"end":100.665,"confidence":0.9904785,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.2184770554304123},{"word":"it's","start":101.045,"end":101.365,"confidence":0.7019043,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.03550150617957115},{"word":"honestly","start":101.365,"end":101.865,"confidence":0.9580078,"punctuated_word":"honestly","sentiment":"neutral","sentiment_score":-0.04727277532219887},{"word":"and","start":102.005005,"end":102.325005,"confidence":0.9716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07980875670909882},{"word":"truthfully","start":102.325005,"end":102.825005,"confidence":0.9951172,"punctuated_word":"truthfully","sentiment":"neutral","sentiment_score":-0.10205928981304167},{"word":"no","start":104.085,"end":104.325005,"confidence":0.8857422,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.04951520264148712},{"word":"that's","start":104.325005,"end":104.565,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12877100706100464},{"word":"alright","start":104.565,"end":104.885,"confidence":0.88500977,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.10647781193256378},{"word":"did","start":104.885,"end":105.045,"confidence":0.5961914,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.03272588551044464},{"word":"you","start":105.045,"end":105.125,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.037579067051410675},{"word":"want","start":105.125,"end":105.285,"confidence":0.99609375,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.010083962231874466},{"word":"me","start":105.285,"end":105.445,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.01969118043780327},{"word":"to","start":105.445,"end":105.525,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004346348345279694},{"word":"call","start":105.525,"end":105.685,"confidence":0.95703125,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.008868042379617691},{"word":"back","start":105.685,"end":105.925,"confidence":0.9838867,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.012993212789297104},{"word":"after","start":105.925,"end":106.165,"confidence":0.9506836,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.017809757962822914},{"word":"you've","start":106.165,"end":106.325,"confidence":0.88378906,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.006127907894551754},{"word":"had","start":106.325,"end":106.485,"confidence":0.9902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.005281966179609299},{"word":"a","start":106.485,"end":106.645004,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0022537028416991234},{"word":"coffee","start":106.645004,"end":107.045,"confidence":0.80126953,"punctuated_word":"coffee?","sentiment":"neutral","sentiment_score":-0.0005133533850312233},{"word":"or","start":107.045,"end":107.125,"confidence":0.94970703,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.046572472900152206},{"word":"okay","start":112.299995,"end":112.799995,"confidence":0.90405273,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.24636995792388916},{"word":"beautiful","start":114.38,"end":114.88,"confidence":0.9980469,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.36503052711486816},{"word":"so","start":115.34,"end":115.84,"confidence":0.94921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07371880114078522},{"word":"so","start":115.899994,"end":116.21999,"confidence":0.48339844,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04675421118736267},{"word":"question","start":116.21999,"end":116.53999,"confidence":0.94628906,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.055025819689035416},{"word":"two","start":116.53999,"end":116.939995,"confidence":0.77368164,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":0.02005312032997608},{"word":"have","start":116.939995,"end":117.18,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.005095276981592178},{"word":"you","start":117.18,"end":117.42,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.015438804402947426},{"word":"in","start":117.42,"end":117.579994,"confidence":0.5722656,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02017212100327015},{"word":"the","start":117.579994,"end":117.659996,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015650879591703415},{"word":"last","start":117.659996,"end":117.979996,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.039315033704042435},{"word":"twelve","start":117.979996,"end":118.299995,"confidence":0.99902344,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.03752276301383972},{"word":"months","start":118.299995,"end":118.7,"confidence":0.9970703,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.0318799763917923},{"word":"been","start":118.7,"end":119.02,"confidence":0.96435547,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.029758913442492485},{"word":"absent","start":119.02,"end":119.5,"confidence":0.9873047,"punctuated_word":"absent","sentiment":"neutral","sentiment_score":-0.046353939920663834},{"word":"from","start":119.5,"end":119.659996,"confidence":0.9951172,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.0727851539850235},{"word":"work","start":119.659996,"end":119.979996,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.030715085566043857},{"word":"or","start":119.979996,"end":120.14,"confidence":0.9536133,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08186382055282593},{"word":"unable","start":120.14,"end":120.64,"confidence":0.9980469,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.061176907271146774},{"word":"to","start":120.7,"end":120.86,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02297085337340832},{"word":"fully","start":120.86,"end":121.259995,"confidence":0.99609375,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":-0.00476238876581192},{"word":"perform","start":121.259995,"end":121.759995,"confidence":0.9970703,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":-0.0077378153800964355},{"word":"your","start":122.06,"end":122.299995,"confidence":0.9091797,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01982935145497322},{"word":"duties","start":122.299995,"end":122.799995,"confidence":0.99902344,"punctuated_word":"duties","sentiment":"neutral","sentiment_score":0.02178815007209778},{"word":"of","start":123.1,"end":123.259995,"confidence":0.92578125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.025723062455654144},{"word":"your","start":123.259995,"end":123.5,"confidence":0.9790039,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.023089736700057983},{"word":"usual","start":123.5,"end":123.899994,"confidence":0.99609375,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":0.005589507520198822},{"word":"occupation","start":123.899994,"end":124.399994,"confidence":0.73132324,"punctuated_word":"occupation,","sentiment":"neutral","sentiment_score":-0.0005091195926070213},{"word":"whether","start":124.46,"end":124.7,"confidence":0.99609375,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.01692334935069084},{"word":"employed","start":124.7,"end":125.1,"confidence":0.97314453,"punctuated_word":"employed","sentiment":"neutral","sentiment_score":-0.015300409868359566},{"word":"or","start":125.1,"end":125.259995,"confidence":0.47802734,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.034105099737644196},{"word":"unemployed","start":125.259995,"end":125.759995,"confidence":0.75561523,"punctuated_word":"unemployed,","sentiment":"neutral","sentiment_score":-0.034032128751277924},{"word":"or","start":126.104996,"end":126.345,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02803448960185051},{"word":"your","start":126.345,"end":126.744995,"confidence":0.78759766,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.027903171256184574},{"word":"unpaid","start":126.744995,"end":127.145,"confidence":0.99316406,"punctuated_word":"unpaid","sentiment":"neutral","sentiment_score":-0.0371178463101387},{"word":"domestic","start":127.145,"end":127.625,"confidence":0.9980469,"punctuated_word":"domestic","sentiment":"neutral","sentiment_score":-0.03611196577548981},{"word":"duties","start":127.625,"end":128.125,"confidence":0.984375,"punctuated_word":"duties","sentiment":"neutral","sentiment_score":-0.01707424968481064},{"word":"if","start":128.185,"end":128.425,"confidence":0.57910156,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03361263871192932},{"word":"you","start":128.425,"end":128.505,"confidence":0.9760742,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03441658988595009},{"word":"are","start":128.505,"end":128.745,"confidence":0.70751953,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.03558039665222168},{"word":"unemployed","start":128.745,"end":129.22499,"confidence":0.9941406,"punctuated_word":"unemployed","sentiment":"neutral","sentiment_score":-0.04443390294909477},{"word":"or","start":129.22499,"end":129.545,"confidence":0.9863281,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07493187487125397},{"word":"sole","start":129.545,"end":129.86499,"confidence":0.89501953,"punctuated_word":"sole","sentiment":"neutral","sentiment_score":-0.062318604439496994},{"word":"occupation","start":129.86499,"end":130.36499,"confidence":0.99121094,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":-0.028875578194856644},{"word":"director","start":130.505,"end":131.005,"confidence":0.9902344,"punctuated_word":"director","sentiment":"neutral","sentiment_score":-0.06718885153532028},{"word":"due","start":132.665,"end":132.905,"confidence":0.9375,"punctuated_word":"due","sentiment":"neutral","sentiment_score":-0.07765430212020874},{"word":"to","start":132.905,"end":133.065,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0545845553278923},{"word":"illness","start":133.065,"end":133.465,"confidence":0.9941406,"punctuated_word":"illness","sentiment":"neutral","sentiment_score":-0.022625576704740524},{"word":"or","start":133.465,"end":133.705,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0752962976694107},{"word":"injury","start":133.705,"end":134.205,"confidence":0.9863281,"punctuated_word":"injury.","sentiment":"neutral","sentiment_score":-0.04939623549580574},{"word":"so","start":136.745,"end":136.985,"confidence":0.88427734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04024144262075424},{"word":"you","start":136.985,"end":137.22499,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06715524196624756},{"word":"weren't","start":137.22499,"end":137.465,"confidence":0.982666,"punctuated_word":"weren't","sentiment":"neutral","sentiment_score":-0.061590395867824554},{"word":"working","start":137.465,"end":137.785,"confidence":0.99609375,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.07472492754459381},{"word":"because","start":137.785,"end":138.025,"confidence":0.9951172,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09332656115293504},{"word":"of","start":138.025,"end":138.185,"confidence":0.9428711,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09408240765333176},{"word":"maternity","start":138.185,"end":138.665,"confidence":0.9741211,"punctuated_word":"maternity","sentiment":"neutral","sentiment_score":-0.07726577669382095},{"word":"leave","start":138.665,"end":138.905,"confidence":0.9211426,"punctuated_word":"leave,","sentiment":"neutral","sentiment_score":-0.07532508671283722},{"word":"but","start":138.905,"end":139.22499,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0333256796002388},{"word":"it","start":139.22499,"end":139.305,"confidence":0.9326172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04803444445133209},{"word":"wasn't","start":139.305,"end":139.625,"confidence":0.9975586,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.05027658492326737},{"word":"because","start":139.625,"end":139.86499,"confidence":0.9941406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.08987327665090561},{"word":"of","start":139.86499,"end":140.025,"confidence":0.98095703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07916319370269775},{"word":"injury","start":140.025,"end":140.425,"confidence":0.7421875,"punctuated_word":"injury","sentiment":"neutral","sentiment_score":-0.08412222564220428},{"word":"or","start":140.425,"end":140.58499,"confidence":0.9819336,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07722705602645874},{"word":"illness","start":140.58499,"end":141.08499,"confidence":0.8093262,"punctuated_word":"illness.","sentiment":"neutral","sentiment_score":-0.05182290822267532},{"word":"right","start":141.145,"end":141.645,"confidence":0.79125977,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.005471864715218544},{"word":"perfect","start":143.59999,"end":144.09999,"confidence":0.8312988,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.32041698694229126},{"word":"so","start":144.23999,"end":144.48,"confidence":0.60595703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03765903040766716},{"word":"have","start":144.48,"end":144.72,"confidence":0.99316406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02611963078379631},{"word":"you","start":144.72,"end":144.87999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01876361295580864},{"word":"been","start":144.87999,"end":145.12,"confidence":0.9921875,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.01798158511519432},{"word":"diagnosed","start":145.12,"end":145.62,"confidence":1.0,"punctuated_word":"diagnosed","sentiment":"neutral","sentiment_score":0.04840688407421112},{"word":"or","start":145.68,"end":145.84,"confidence":0.55078125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.009049590677022934},{"word":"do","start":145.84,"end":146.0,"confidence":0.9199219,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.026244748383760452},{"word":"you","start":146.0,"end":146.08,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0192831102758646},{"word":"suffer","start":146.08,"end":146.48,"confidence":0.9790039,"punctuated_word":"suffer","sentiment":"neutral","sentiment_score":-0.02703507244586945},{"word":"from","start":146.48,"end":146.72,"confidence":0.9970703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.009837914258241652},{"word":"an","start":146.72,"end":147.04,"confidence":0.97998047,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.0021825693547725677},{"word":"illness","start":147.04,"end":147.51999,"confidence":0.9970703,"punctuated_word":"illness","sentiment":"neutral","sentiment_score":-0.005885392427444458},{"word":"that","start":147.51999,"end":147.76,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02432470396161079},{"word":"may","start":147.76,"end":148.0,"confidence":0.9941406,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.03418311849236488},{"word":"cause","start":148.0,"end":148.48,"confidence":0.99609375,"punctuated_word":"cause","sentiment":"neutral","sentiment_score":-0.0444357767701149},{"word":"permanent","start":148.48,"end":148.98,"confidence":0.9980469,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":-0.03586375713348389},{"word":"inability","start":149.12,"end":149.62,"confidence":0.91259766,"punctuated_word":"inability","sentiment":"neutral","sentiment_score":-0.043449126183986664},{"word":"to","start":150.08,"end":150.31999,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03457053750753403},{"word":"work","start":150.31999,"end":150.81999,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.00813945010304451},{"word":"or","start":150.95999,"end":151.36,"confidence":0.95703125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03536568954586983},{"word":"because","start":151.36,"end":151.68,"confidence":0.6386719,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04830864816904068},{"word":"of","start":151.68,"end":151.76,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.023075805976986885},{"word":"a","start":151.76,"end":151.92,"confidence":0.64746094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.022671299055218697},{"word":"terminal","start":151.92,"end":152.4,"confidence":0.9980469,"punctuated_word":"terminal","sentiment":"neutral","sentiment_score":-0.05820468068122864},{"word":"illness","start":152.4,"end":152.9,"confidence":0.99560547,"punctuated_word":"illness?","sentiment":"neutral","sentiment_score":-0.016065701842308044},{"word":"beautiful","start":154.72,"end":155.22,"confidence":0.8696289,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.005286693572998047},{"word":"have","start":156.035,"end":156.195,"confidence":0.9633789,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.0582268200814724},{"word":"you","start":156.195,"end":156.35501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05840818211436272},{"word":"ever","start":156.35501,"end":156.515,"confidence":0.9980469,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.036908525973558426},{"word":"had","start":156.515,"end":156.675,"confidence":0.9873047,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.04357683286070824},{"word":"an","start":156.675,"end":156.835,"confidence":0.9482422,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.03589935973286629},{"word":"insurance","start":156.835,"end":157.315,"confidence":0.99609375,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.08489540964365005},{"word":"application","start":157.315,"end":157.815,"confidence":0.99902344,"punctuated_word":"application","sentiment":"neutral","sentiment_score":-0.0905853509902954},{"word":"for","start":158.035,"end":158.35501,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06579244881868362},{"word":"death","start":158.35501,"end":158.755,"confidence":0.96875,"punctuated_word":"death","sentiment":"neutral","sentiment_score":-0.05120908468961716},{"word":"only","start":158.755,"end":159.155,"confidence":0.68652344,"punctuated_word":"only,","sentiment":"neutral","sentiment_score":-0.07125342637300491},{"word":"death","start":159.155,"end":159.315,"confidence":0.99316406,"punctuated_word":"death","sentiment":"neutral","sentiment_score":-0.061551615595817566},{"word":"and","start":159.315,"end":159.55501,"confidence":0.9116211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08597111701965332},{"word":"total","start":159.55501,"end":159.79501,"confidence":0.9536133,"punctuated_word":"total","sentiment":"neutral","sentiment_score":-0.07944968342781067},{"word":"permanent","start":159.79501,"end":160.195,"confidence":0.9448242,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":-0.05932285636663437},{"word":"disability","start":160.195,"end":160.695,"confidence":0.8979492,"punctuated_word":"disability,","sentiment":"neutral","sentiment_score":-0.05285511538386345},{"word":"or","start":161.155,"end":161.395,"confidence":0.9482422,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07966738194227219},{"word":"terminal","start":161.395,"end":161.79501,"confidence":0.93847656,"punctuated_word":"terminal","sentiment":"neutral","sentiment_score":-0.08047972619533539},{"word":"illness","start":161.79501,"end":162.195,"confidence":0.8269043,"punctuated_word":"illness,","sentiment":"neutral","sentiment_score":-0.03856071084737778},{"word":"or","start":162.195,"end":162.35501,"confidence":0.99316406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07473388314247131},{"word":"income","start":162.35501,"end":162.755,"confidence":0.99609375,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.06930691748857498},{"word":"protection","start":162.755,"end":163.255,"confidence":0.9980469,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.06301100552082062},{"word":"cover","start":163.475,"end":163.79501,"confidence":0.5703125,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.08464251458644867},{"word":"ever","start":163.79501,"end":164.035,"confidence":0.9301758,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.06280774623155594},{"word":"be","start":164.035,"end":164.27501,"confidence":0.81640625,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.10225043445825575},{"word":"refused","start":164.27501,"end":164.77501,"confidence":0.99560547,"punctuated_word":"refused?","sentiment":"neutral","sentiment_score":-0.08407671749591827},{"word":"the","start":164.91501,"end":165.07501,"confidence":0.9892578,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.16266128420829773},{"word":"answer","start":165.07501,"end":165.395,"confidence":0.99902344,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":-0.1545531004667282},{"word":"is","start":165.395,"end":165.63501,"confidence":0.9741211,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.18299755454063416},{"word":"no","start":165.63501,"end":165.875,"confidence":0.9902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.2407402396202087},{"word":"because","start":165.875,"end":166.195,"confidence":0.625,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.21960482001304624},{"word":"we","start":166.195,"end":166.43501,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13526690006256104},{"word":"withdraw","start":166.43501,"end":166.93501,"confidence":0.65283203,"punctuated_word":"withdraw","sentiment":"neutral","sentiment_score":-0.14408648014068604},{"word":"your","start":166.99501,"end":167.235,"confidence":0.9448242,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2022816389799118},{"word":"previous","start":167.235,"end":167.735,"confidence":0.99902344,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":-0.2257351875305176},{"word":"app","start":168.195,"end":168.695,"confidence":0.6505127,"punctuated_word":"app.","sentiment":"neutral","sentiment_score":-0.20546954870224},{"word":"right","start":168.91501,"end":169.235,"confidence":0.9260254,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.04488873481750488},{"word":"so","start":169.235,"end":169.475,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04497326910495758},{"word":"you've","start":169.475,"end":169.63501,"confidence":0.8701172,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.035108402371406555},{"word":"never","start":169.63501,"end":169.875,"confidence":0.9951172,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.06114507839083672},{"word":"had","start":169.875,"end":170.115,"confidence":0.98535156,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.10186149179935455},{"word":"a","start":170.115,"end":170.195,"confidence":0.78027344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13199302554130554},{"word":"decline","start":170.195,"end":170.695,"confidence":0.8840332,"punctuated_word":"decline.","sentiment":"neutral","sentiment_score":-0.15863703191280365},{"word":"beautiful","start":171.57,"end":172.07,"confidence":0.8483887,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.07854402810335159},{"word":"have","start":172.29001,"end":172.53,"confidence":0.9790039,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.00506209209561348},{"word":"you","start":172.53,"end":172.69,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017214786261320114},{"word":"ever","start":172.69,"end":173.01,"confidence":0.9980469,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.02612636238336563},{"word":"been","start":173.01,"end":173.25,"confidence":0.99316406,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.008445676416158676},{"word":"paid","start":173.25,"end":173.65001,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.017982542514801025},{"word":"or","start":173.65001,"end":174.05,"confidence":0.9404297,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0258355513215065},{"word":"eligible","start":174.05,"end":174.55,"confidence":0.8745117,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.009109154343605042},{"word":"to","start":174.77,"end":174.93001,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0027899369597435},{"word":"be","start":174.93001,"end":175.17,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0050324201583862305},{"word":"paid","start":175.17,"end":175.57,"confidence":0.6948242,"punctuated_word":"paid?","sentiment":"neutral","sentiment_score":-0.011282466351985931},{"word":"you're","start":175.57,"end":175.73,"confidence":0.69384766,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.03419269621372223},{"word":"currently","start":175.73,"end":176.05,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.04135442152619362},{"word":"in","start":176.05,"end":176.13,"confidence":0.96777344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.033852074295282364},{"word":"the","start":176.13,"end":176.21,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03245461732149124},{"word":"process","start":176.21,"end":176.61,"confidence":0.9980469,"punctuated_word":"process","sentiment":"neutral","sentiment_score":-0.03035314381122589},{"word":"of","start":176.61,"end":176.85,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.024562347680330276},{"word":"submitting","start":176.85,"end":177.33,"confidence":1.0,"punctuated_word":"submitting","sentiment":"neutral","sentiment_score":-0.018144404515624046},{"word":"a","start":177.33,"end":177.41,"confidence":0.95410156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008629957213997841},{"word":"claim","start":177.41,"end":177.65,"confidence":1.0,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.008233711123466492},{"word":"for","start":177.65,"end":177.81,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02644415944814682},{"word":"any","start":177.81,"end":178.05,"confidence":0.93603516,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.012828487902879717},{"word":"sort","start":178.05,"end":178.21,"confidence":0.9819336,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0385420136153698},{"word":"of","start":178.21,"end":178.45,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.033981237560510635},{"word":"insurance","start":178.45,"end":178.93001,"confidence":0.9970703,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.02983539178967476},{"word":"or","start":178.93001,"end":179.09,"confidence":0.8964844,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.025447342544794083},{"word":"workers'","start":179.09,"end":179.49,"confidence":0.8781738,"punctuated_word":"workers'","sentiment":"neutral","sentiment_score":-0.030289826914668083},{"word":"comp","start":179.49,"end":179.99,"confidence":0.7685547,"punctuated_word":"comp.","sentiment":"neutral","sentiment_score":-0.02474510669708252},{"word":"beautiful","start":182.21,"end":182.71,"confidence":0.8918457,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.04554470628499985},{"word":"last","start":182.93001,"end":183.25,"confidence":0.88720703,"punctuated_word":"Last","sentiment":"neutral","sentiment_score":0.001782488077878952},{"word":"question","start":183.25,"end":183.65,"confidence":0.7668457,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":-0.005318653769791126},{"word":"have","start":183.65,"end":183.81,"confidence":1.0,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.03020484745502472},{"word":"you","start":183.81,"end":183.97,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.020111043006181717},{"word":"ever","start":183.97,"end":184.13,"confidence":0.99902344,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.0079420767724514},{"word":"had","start":184.13,"end":184.37,"confidence":0.9790039,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.0363614484667778},{"word":"an","start":184.37,"end":184.53,"confidence":0.9770508,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.03688648343086243},{"word":"insurance","start":184.53,"end":185.01,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.05940628796815872},{"word":"application","start":185.01,"end":185.51,"confidence":0.9980469,"punctuated_word":"application","sentiment":"neutral","sentiment_score":-0.05172469839453697},{"word":"for","start":185.73,"end":186.05,"confidence":0.9873047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04721802473068237},{"word":"death","start":186.05,"end":186.29001,"confidence":0.9482422,"punctuated_word":"death,","sentiment":"neutral","sentiment_score":-0.031951654702425},{"word":"death","start":186.29001,"end":186.79001,"confidence":0.9616699,"punctuated_word":"death,","sentiment":"neutral","sentiment_score":-0.034671224653720856},{"word":"and","start":186.875,"end":187.035,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05038037523627281},{"word":"total","start":187.035,"end":187.275,"confidence":0.88427734,"punctuated_word":"total","sentiment":"neutral","sentiment_score":-0.05462871119379997},{"word":"permanent","start":187.275,"end":187.775,"confidence":0.8510742,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":-0.0364895761013031},{"word":"disability","start":187.83499,"end":188.33499,"confidence":0.9812012,"punctuated_word":"disability,","sentiment":"neutral","sentiment_score":-0.03392300754785538},{"word":"terminal","start":188.555,"end":188.955,"confidence":0.8984375,"punctuated_word":"terminal","sentiment":"neutral","sentiment_score":-0.07171569764614105},{"word":"illness","start":188.955,"end":189.435,"confidence":0.93188477,"punctuated_word":"illness,","sentiment":"neutral","sentiment_score":-0.044067494571208954},{"word":"or","start":189.435,"end":189.675,"confidence":0.95947266,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.051837388426065445},{"word":"income","start":189.675,"end":189.995,"confidence":0.9580078,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.03789966553449631},{"word":"protection","start":189.995,"end":190.495,"confidence":0.9970703,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.039533887058496475},{"word":"cover","start":190.555,"end":190.955,"confidence":0.60217285,"punctuated_word":"cover?","sentiment":"neutral","sentiment_score":-0.04875893518328667},{"word":"have","start":190.955,"end":191.11499,"confidence":0.7324219,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.04772001504898071},{"word":"it","start":191.11499,"end":191.355,"confidence":0.8364258,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.051984723657369614},{"word":"been","start":191.355,"end":191.515,"confidence":0.9291992,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.053189512342214584},{"word":"modified","start":191.515,"end":192.015,"confidence":0.9980469,"punctuated_word":"modified","sentiment":"neutral","sentiment_score":-0.06475377082824707},{"word":"or","start":192.155,"end":192.315,"confidence":0.9667969,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08135084062814713},{"word":"opted","start":192.315,"end":192.815,"confidence":0.47851562,"punctuated_word":"opted","sentiment":"neutral","sentiment_score":-0.07389536499977112},{"word":"on","start":193.035,"end":193.515,"confidence":0.98828125,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09933888912200928},{"word":"nonstandard","start":193.515,"end":194.015,"confidence":0.83251953,"punctuated_word":"nonstandard","sentiment":"neutral","sentiment_score":-0.1170094907283783},{"word":"terms","start":194.47499,"end":194.795,"confidence":0.99902344,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.09445396065711976},{"word":"in","start":194.795,"end":194.955,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11262085288763046},{"word":"regards","start":194.955,"end":195.355,"confidence":0.9970703,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.07633951306343079},{"word":"to","start":195.355,"end":195.515,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09719628840684892},{"word":"medical","start":195.515,"end":195.915,"confidence":0.9560547,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":-0.1152532547712326},{"word":"or","start":195.915,"end":195.995,"confidence":0.35327148,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.09297847002744676},{"word":"other","start":195.995,"end":196.155,"confidence":0.83203125,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.10448963940143584},{"word":"conditions","start":196.155,"end":196.655,"confidence":0.92822266,"punctuated_word":"conditions?","sentiment":"neutral","sentiment_score":-0.07761441916227341},{"word":"the","start":196.715,"end":196.955,"confidence":0.9970703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.1515500694513321},{"word":"answer","start":196.955,"end":197.275,"confidence":1.0,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":-0.14851374924182892},{"word":"is","start":197.275,"end":197.595,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.20603415369987488},{"word":"no","start":197.595,"end":197.915,"confidence":0.9951172,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.22618044912815097},{"word":"because","start":197.915,"end":198.315,"confidence":0.7626953,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.21638867259025577},{"word":"we","start":198.315,"end":198.47499,"confidence":0.9863281,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.16133007407188416},{"word":"haven't","start":198.47499,"end":198.795,"confidence":0.9904785,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.21208657324314115},{"word":"submitted","start":198.795,"end":199.275,"confidence":0.96240234,"punctuated_word":"submitted","sentiment":"neutral","sentiment_score":-0.2548747956752777},{"word":"that","start":199.275,"end":199.435,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.19483672082424164},{"word":"first","start":199.435,"end":199.755,"confidence":0.9716797,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.1922636032104492},{"word":"application","start":199.755,"end":200.255,"confidence":0.9980469,"punctuated_word":"application.","sentiment":"neutral","sentiment_score":-0.15478673577308655},{"word":"okay","start":202.94,"end":203.34,"confidence":0.81518555,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.024587303400039673},{"word":"that's","start":203.34,"end":203.58,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.03188787028193474},{"word":"it","start":203.58,"end":204.08,"confidence":0.88842773,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.014255033805966376},{"word":"no","start":213.34,"end":213.74,"confidence":0.9628906,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.23596055805683136},{"word":"no","start":213.74,"end":214.06,"confidence":0.98657227,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.25565391778945923},{"word":"so","start":214.06,"end":214.3,"confidence":0.69140625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.19850075244903564},{"word":"so","start":214.3,"end":214.46,"confidence":0.91015625,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1822892129421234},{"word":"let","start":214.46,"end":214.7,"confidence":0.99121094,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.1830986887216568},{"word":"me","start":214.7,"end":214.86,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.180424764752388},{"word":"just","start":214.86,"end":215.02,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.18886525928974152},{"word":"reiterate","start":215.02,"end":215.52,"confidence":0.9316406,"punctuated_word":"reiterate","sentiment":"neutral","sentiment_score":-0.21905916929244995},{"word":"why","start":215.58,"end":215.82,"confidence":0.4741211,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.1926860213279724},{"word":"i","start":215.82,"end":215.90001,"confidence":0.74560547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2033212035894394},{"word":"know","start":215.90001,"end":216.06,"confidence":0.9951172,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.25375527143478394},{"word":"you're","start":216.06,"end":216.22,"confidence":0.95214844,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.25678473711013794},{"word":"kind","start":216.22,"end":216.46,"confidence":0.6010742,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.28668951988220215},{"word":"of","start":216.46,"end":216.54001,"confidence":0.98095703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2729695737361908},{"word":"in","start":216.54001,"end":216.7,"confidence":0.8027344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2872542142868042},{"word":"a","start":216.7,"end":216.915,"confidence":0.4909668,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2465851604938507},{"word":"in","start":216.995,"end":217.155,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2505267858505249},{"word":"a","start":217.155,"end":217.31499,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.24687319993972776},{"word":"in","start":217.31499,"end":217.35498,"confidence":0.56884766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2518906593322754},{"word":"a","start":217.35498,"end":217.39499,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2621498107910156},{"word":"rush","start":217.39499,"end":217.715,"confidence":0.98535156,"punctuated_word":"rush","sentiment":"neutral","sentiment_score":-0.23949626088142395},{"word":"before","start":217.715,"end":218.11499,"confidence":0.6003418,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":-0.1815274953842163},{"word":"so","start":218.11499,"end":218.275,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04643002152442932},{"word":"let's","start":218.275,"end":218.515,"confidence":0.9890137,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.032833609730005264},{"word":"just","start":218.515,"end":218.83499,"confidence":0.5024414,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.031816959381103516},{"word":"go","start":218.83499,"end":218.995,"confidence":0.9941406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.018711604177951813},{"word":"through","start":218.995,"end":219.235,"confidence":0.97802734,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.018305160105228424},{"word":"it","start":219.235,"end":219.31499,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04856744781136513},{"word":"again","start":219.31499,"end":219.81499,"confidence":1.0,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.02595178410410881},{"word":"so","start":220.03499,"end":220.275,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.019907675683498383},{"word":"when","start":220.275,"end":220.59499,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.030327335000038147},{"word":"we","start":220.59499,"end":220.75499,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.012750107795000076},{"word":"went","start":220.75499,"end":221.075,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.01243816688656807},{"word":"through","start":221.075,"end":221.47499,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.014277148991823196},{"word":"the","start":221.47499,"end":221.795,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.029579367488622665},{"word":"insurance","start":221.795,"end":222.295,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.0464719720184803},{"word":"application","start":222.435,"end":222.935,"confidence":0.9951172,"punctuated_word":"application,","sentiment":"neutral","sentiment_score":-0.03972427546977997},{"word":"we","start":223.075,"end":223.575,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03667014092206955},{"word":"we","start":223.795,"end":224.03499,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03296395763754845},{"word":"submitted","start":224.03499,"end":224.515,"confidence":0.9980469,"punctuated_word":"submitted","sentiment":"neutral","sentiment_score":-0.05615244805812836},{"word":"that","start":224.515,"end":224.67499,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04524482041597366},{"word":"with","start":224.67499,"end":224.83499,"confidence":0.9892578,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.050678055733442307},{"word":"the","start":224.83499,"end":225.075,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07168214023113251},{"word":"insurer","start":225.075,"end":225.555,"confidence":0.80615234,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":-0.05909654498100281},{"word":"that","start":225.555,"end":225.635,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04447641596198082},{"word":"we","start":225.635,"end":225.795,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04456717148423195},{"word":"recommended","start":225.795,"end":226.295,"confidence":0.78344727,"punctuated_word":"recommended,","sentiment":"neutral","sentiment_score":-0.04300982877612114},{"word":"but","start":227.31499,"end":227.715,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05295242369174957},{"word":"that","start":227.715,"end":227.95499,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05280900001525879},{"word":"goes","start":227.95499,"end":228.275,"confidence":0.97802734,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.04780488461256027},{"word":"to","start":228.275,"end":228.435,"confidence":0.95947266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05965188890695572},{"word":"what's","start":228.435,"end":228.75499,"confidence":0.9941406,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.04502547904849053},{"word":"called","start":228.75499,"end":228.995,"confidence":0.984375,"punctuated_word":"called","sentiment":"neutral","sentiment_score":-0.045816149562597275},{"word":"an","start":228.995,"end":229.23499,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.04680456966161728},{"word":"underwriter","start":229.23499,"end":229.73499,"confidence":0.97786456,"punctuated_word":"underwriter.","sentiment":"neutral","sentiment_score":-0.05704469606280327},{"word":"the","start":230.26001,"end":230.5,"confidence":0.5107422,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.03416091576218605},{"word":"underwriter","start":230.5,"end":231.0,"confidence":0.9916992,"punctuated_word":"underwriter","sentiment":"neutral","sentiment_score":-0.02808164805173874},{"word":"for","start":231.06001,"end":231.3,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02663090080022812},{"word":"a","start":231.3,"end":231.46,"confidence":0.95703125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.028962885960936543},{"word":"comprehensive","start":231.46,"end":231.96,"confidence":0.9951172,"punctuated_word":"comprehensive","sentiment":"neutral","sentiment_score":0.001628197729587555},{"word":"insurance","start":232.02,"end":232.5,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.043756842613220215},{"word":"cover","start":232.5,"end":233.0,"confidence":0.9782715,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":-0.015258722007274628},{"word":"they","start":233.38,"end":233.88,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.008095972239971161},{"word":"assess","start":233.94,"end":234.34001,"confidence":0.9902344,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":-0.01658710092306137},{"word":"your","start":234.34001,"end":234.58,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.023332897573709488},{"word":"risk","start":234.58,"end":235.08,"confidence":0.9970703,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.04246702417731285},{"word":"and","start":235.22,"end":235.62001,"confidence":0.97509766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.011959172785282137},{"word":"work","start":235.62001,"end":235.86,"confidence":0.9951172,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.03874589875340462},{"word":"with","start":235.86,"end":236.1,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.04496999830007553},{"word":"the","start":236.1,"end":236.26001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.024482429027557373},{"word":"actuaries","start":236.26001,"end":236.76001,"confidence":0.96655273,"punctuated_word":"actuaries","sentiment":"neutral","sentiment_score":-0.00960355531424284},{"word":"to","start":236.82,"end":236.98001,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03315737470984459},{"word":"work","start":236.98001,"end":237.22,"confidence":0.9980469,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.0024232976138591766},{"word":"out","start":237.22,"end":237.38,"confidence":0.9863281,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.013750579208135605},{"word":"what","start":237.38,"end":237.62001,"confidence":0.98828125,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.02381180226802826},{"word":"that","start":237.62001,"end":237.86,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.017454106360673904},{"word":"monetary","start":237.86,"end":238.36,"confidence":0.9892578,"punctuated_word":"monetary","sentiment":"neutral","sentiment_score":0.021593939512968063},{"word":"value","start":238.66,"end":239.06001,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.012913182377815248},{"word":"of","start":239.06001,"end":239.22,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.004663087427616119},{"word":"that","start":239.22,"end":239.46,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0063311755657196045},{"word":"risk","start":239.46,"end":239.78,"confidence":0.99609375,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.031777508556842804},{"word":"is","start":239.78,"end":240.18001,"confidence":0.9819336,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.024527616798877716},{"word":"k","start":240.18001,"end":240.5,"confidence":0.87939453,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.009886035695672035},{"word":"that's","start":240.5,"end":240.74,"confidence":0.9707031,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.010947300121188164},{"word":"how","start":240.74,"end":240.90001,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.031031671911478043},{"word":"you","start":240.90001,"end":241.06001,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.048908084630966187},{"word":"get","start":241.06001,"end":241.22,"confidence":0.9921875,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.021778438240289688},{"word":"the","start":241.22,"end":241.38,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03640924394130707},{"word":"insurance","start":241.38,"end":241.78,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.00912804901599884},{"word":"premium","start":241.78,"end":242.28,"confidence":0.9736328,"punctuated_word":"premium.","sentiment":"neutral","sentiment_score":0.05124178156256676},{"word":"now","start":242.675,"end":243.175,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.05169328302145004},{"word":"with","start":243.635,"end":244.03499,"confidence":0.9375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07621748745441437},{"word":"your","start":244.03499,"end":244.53499,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.09003035724163055},{"word":"situation","start":244.595,"end":245.075,"confidence":0.81640625,"punctuated_word":"situation,","sentiment":"neutral","sentiment_score":-0.10578912496566772},{"word":"because","start":245.075,"end":245.39499,"confidence":0.9970703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.15712521970272064},{"word":"of","start":245.39499,"end":245.47499,"confidence":0.9194336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18792246282100675},{"word":"the","start":245.47499,"end":245.555,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2277301847934723},{"word":"personal","start":245.555,"end":246.03499,"confidence":0.7602539,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.26542577147483826},{"word":"depression","start":246.03499,"end":246.515,"confidence":0.98828125,"punctuated_word":"depression","sentiment":"neutral","sentiment_score":-0.31982922554016113},{"word":"and","start":246.515,"end":246.75499,"confidence":0.8803711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.28436771035194397},{"word":"the","start":246.75499,"end":247.075,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.28242188692092896},{"word":"the","start":247.075,"end":247.235,"confidence":0.9614258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25921082496643066},{"word":"exclusions","start":247.235,"end":247.735,"confidence":0.97680664,"punctuated_word":"exclusions","sentiment":"neutral","sentiment_score":-0.22993648052215576},{"word":"and","start":247.795,"end":247.875,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17972157895565033},{"word":"the","start":247.875,"end":248.03499,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1909712255001068},{"word":"loadings","start":248.03499,"end":248.53499,"confidence":0.9822591,"punctuated_word":"loadings,","sentiment":"neutral","sentiment_score":-0.16105948388576508},{"word":"when","start":248.995,"end":249.39499,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.08041238784790039},{"word":"you","start":249.39499,"end":249.635,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0758109763264656},{"word":"get","start":249.635,"end":250.11499,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.06350955367088318},{"word":"a","start":250.11499,"end":250.275,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10140776634216309},{"word":"number","start":250.275,"end":250.67499,"confidence":0.9970703,"punctuated_word":"number","sentiment":"neutral","sentiment_score":-0.099276103079319},{"word":"that","start":250.67499,"end":251.075,"confidence":0.7895508,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09552112966775894},{"word":"does","start":251.075,"end":251.315,"confidence":0.58203125,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.074245885014534},{"word":"build","start":251.315,"end":251.635,"confidence":0.9863281,"punctuated_word":"build","sentiment":"neutral","sentiment_score":-0.04454056918621063},{"word":"up","start":251.635,"end":252.135,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.06782343983650208},{"word":"depending","start":252.435,"end":252.935,"confidence":0.8881836,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.05237682908773422},{"word":"on","start":252.995,"end":253.235,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05616535246372223},{"word":"your","start":253.235,"end":253.555,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0989650934934616},{"word":"health","start":253.555,"end":254.055,"confidence":0.99902344,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.09655670076608658},{"word":"and","start":254.275,"end":254.515,"confidence":0.9038086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1126973032951355},{"word":"age","start":254.515,"end":254.67499,"confidence":0.6870117,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.08763256669044495},{"word":"and","start":254.67499,"end":254.83499,"confidence":0.92089844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07959786802530289},{"word":"stage","start":254.83499,"end":255.155,"confidence":0.8378906,"punctuated_word":"stage","sentiment":"neutral","sentiment_score":-0.0881103128194809},{"word":"in","start":255.155,"end":255.315,"confidence":0.9135742,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07472279667854309},{"word":"life","start":255.315,"end":255.715,"confidence":0.9580078,"punctuated_word":"life.","sentiment":"neutral","sentiment_score":-0.07433749735355377},{"word":"right","start":255.715,"end":256.215,"confidence":0.97924805,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.021875400096178055},{"word":"so","start":256.56,"end":256.80002,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.032747071236371994},{"word":"because","start":256.80002,"end":257.2,"confidence":0.9921875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.11113059520721436},{"word":"of","start":257.2,"end":257.44,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15691103041172028},{"word":"the","start":257.44,"end":257.76,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16805443167686462},{"word":"the","start":257.76,"end":258.08002,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15885953605175018},{"word":"concerns","start":258.08002,"end":258.48,"confidence":0.9980469,"punctuated_word":"concerns","sentiment":"neutral","sentiment_score":-0.1708638072013855},{"word":"with","start":258.48,"end":258.72,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.20985513925552368},{"word":"the","start":258.72,"end":258.80002,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23337501287460327},{"word":"bilateral","start":258.80002,"end":259.30002,"confidence":0.99902344,"punctuated_word":"bilateral","sentiment":"neutral","sentiment_score":-0.19968916475772855},{"word":"knee","start":259.52002,"end":259.76,"confidence":0.98535156,"punctuated_word":"knee","sentiment":"neutral","sentiment_score":-0.23352165520191193},{"word":"excursion","start":259.76,"end":260.26,"confidence":0.83740234,"punctuated_word":"excursion,","sentiment":"neutral","sentiment_score":-0.1897319257259369},{"word":"things","start":260.4,"end":260.64,"confidence":0.9951172,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.2036987841129303},{"word":"like","start":260.64,"end":260.80002,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.13689419627189636},{"word":"that","start":260.80002,"end":261.30002,"confidence":0.98583984,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.183504581451416},{"word":"that's","start":261.68,"end":262.08002,"confidence":0.7873535,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.18638646602630615},{"word":"as","start":262.08002,"end":262.24002,"confidence":0.8198242,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.17734205722808838},{"word":"well","start":262.24002,"end":262.48,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.17490026354789734},{"word":"as","start":262.48,"end":262.64,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.22411760687828064},{"word":"the","start":262.64,"end":262.80002,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.234321266412735},{"word":"mental","start":262.80002,"end":263.12,"confidence":0.99902344,"punctuated_word":"mental","sentiment":"neutral","sentiment_score":-0.28469914197921753},{"word":"health","start":263.12,"end":263.44,"confidence":0.99316406,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.22330954670906067},{"word":"excursion","start":263.44,"end":263.94,"confidence":0.7902832,"punctuated_word":"excursion","sentiment":"neutral","sentiment_score":-0.2224030643701553},{"word":"because","start":264.08002,"end":264.56,"confidence":0.81152344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.20700834691524503},{"word":"of","start":264.56,"end":264.88,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.24787002801895144},{"word":"your","start":264.88,"end":265.38,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.28850170969963074},{"word":"postnatal","start":265.6,"end":266.1,"confidence":0.46533203,"punctuated_word":"postnatal","sentiment":"neutral","sentiment_score":-0.31272485852241516},{"word":"depression","start":266.24002,"end":266.56,"confidence":0.8623047,"punctuated_word":"depression,","sentiment":"neutral","sentiment_score":-0.2738882303237915},{"word":"which","start":266.56,"end":266.80002,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.2440546303987503},{"word":"was","start":266.80002,"end":267.30002,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1996607780456543},{"word":"within","start":267.36002,"end":267.68,"confidence":0.9980469,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.23515672981739044},{"word":"the","start":267.68,"end":267.84,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22338910400867465},{"word":"last","start":267.84,"end":268.08002,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.18667982518672943},{"word":"year","start":268.08002,"end":268.32,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.20377187430858612},{"word":"and","start":268.32,"end":268.4,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17736390233039856},{"word":"a","start":268.4,"end":268.48,"confidence":0.9741211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18638454377651217},{"word":"half","start":268.48,"end":268.72,"confidence":0.9980469,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.20706263184547424},{"word":"probably","start":268.72,"end":269.22,"confidence":0.69921875,"punctuated_word":"probably.","sentiment":"neutral","sentiment_score":-0.1935232579708099},{"word":"right","start":269.68,"end":270.18,"confidence":0.9885254,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.08670853078365326},{"word":"that","start":270.815,"end":271.135,"confidence":0.99902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.2235893756151199},{"word":"means","start":271.135,"end":271.535,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.2879161238670349},{"word":"that","start":271.535,"end":271.935,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2706356644630432},{"word":"there's","start":271.935,"end":272.255,"confidence":0.9147949,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.2493579238653183},{"word":"a","start":272.255,"end":272.335,"confidence":0.7104492,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.23372724652290344},{"word":"mental","start":272.335,"end":272.655,"confidence":0.9902344,"punctuated_word":"mental","sentiment":"neutral","sentiment_score":-0.23119649291038513},{"word":"health","start":272.655,"end":272.735,"confidence":0.99316406,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.2244569957256317},{"word":"exclusion","start":272.735,"end":273.135,"confidence":0.89501953,"punctuated_word":"exclusion,","sentiment":"neutral","sentiment_score":-0.20124006271362305},{"word":"but","start":273.135,"end":273.29498,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.17920804023742676},{"word":"there's","start":273.29498,"end":273.535,"confidence":0.9926758,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.22684141993522644},{"word":"also","start":273.535,"end":273.935,"confidence":0.9741211,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.23239055275917053},{"word":"two","start":273.935,"end":274.255,"confidence":0.96875,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.250564306974411},{"word":"knee","start":274.255,"end":274.415,"confidence":0.5703125,"punctuated_word":"knee","sentiment":"neutral","sentiment_score":-0.29575419425964355},{"word":"exclusions","start":274.415,"end":274.915,"confidence":0.9371745,"punctuated_word":"exclusions.","sentiment":"neutral","sentiment_score":-0.2468983232975006},{"word":"right","start":275.215,"end":275.715,"confidence":0.96069336,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.16187573969364166},{"word":"so","start":275.775,"end":276.01498,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.27807092666625977},{"word":"that's","start":276.01498,"end":276.335,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.29345694184303284},{"word":"three","start":276.335,"end":276.735,"confidence":0.9951172,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.33226120471954346},{"word":"exclusions","start":276.735,"end":277.235,"confidence":0.90405273,"punctuated_word":"exclusions","sentiment":"negative","sentiment_score":-0.3495456576347351},{"word":"in","start":277.29498,"end":277.535,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.3216266930103302},{"word":"total","start":277.535,"end":277.935,"confidence":0.986084,"punctuated_word":"total.","sentiment":"negative","sentiment_score":-0.3867798447608948},{"word":"if","start":277.935,"end":278.095,"confidence":0.8676758,"punctuated_word":"If","sentiment":"negative","sentiment_score":-0.4831746220588684},{"word":"there's","start":278.095,"end":278.335,"confidence":0.9182129,"punctuated_word":"there's","sentiment":"negative","sentiment_score":-0.4878339171409607},{"word":"three","start":278.335,"end":278.495,"confidence":0.9980469,"punctuated_word":"three","sentiment":"negative","sentiment_score":-0.4832390546798706},{"word":"exclusions","start":278.495,"end":278.995,"confidence":0.96850586,"punctuated_word":"exclusions","sentiment":"negative","sentiment_score":-0.5003185272216797},{"word":"in","start":279.055,"end":279.215,"confidence":0.99902344,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.44560161232948303},{"word":"total","start":279.215,"end":279.715,"confidence":0.9946289,"punctuated_word":"total,","sentiment":"negative","sentiment_score":-0.5026651620864868},{"word":"then","start":279.775,"end":280.01498,"confidence":0.9970703,"punctuated_word":"then","sentiment":"negative","sentiment_score":-0.4889847040176392},{"word":"it's","start":280.01498,"end":280.255,"confidence":0.9812012,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.5926662683486938},{"word":"more","start":280.255,"end":280.415,"confidence":1.0,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.6333451867103577},{"word":"than","start":280.415,"end":280.57498,"confidence":0.99609375,"punctuated_word":"than","sentiment":"negative","sentiment_score":-0.5506358742713928},{"word":"likely","start":280.57498,"end":281.07498,"confidence":1.0,"punctuated_word":"likely","sentiment":"negative","sentiment_score":-0.6200063824653625},{"word":"too","start":281.375,"end":281.535,"confidence":0.6591797,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.6463969945907593},{"word":"much","start":281.535,"end":281.935,"confidence":1.0,"punctuated_word":"much","sentiment":"negative","sentiment_score":-0.6466676592826843},{"word":"risk","start":281.935,"end":282.255,"confidence":0.9970703,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.5869274139404297},{"word":"for","start":282.255,"end":282.495,"confidence":0.9560547,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.6447790861129761},{"word":"an","start":282.495,"end":282.57498,"confidence":0.6220703,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.6721970438957214},{"word":"insurer","start":282.57498,"end":283.07498,"confidence":0.9970703,"punctuated_word":"insurer","sentiment":"negative","sentiment_score":-0.603049099445343},{"word":"to","start":283.34,"end":283.5,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.561798632144928},{"word":"provide","start":283.5,"end":283.74002,"confidence":1.0,"punctuated_word":"provide","sentiment":"negative","sentiment_score":-0.6352941989898682},{"word":"you","start":283.74002,"end":284.14,"confidence":0.96972656,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5543946027755737},{"word":"insurance","start":284.14,"end":284.54,"confidence":0.8442383,"punctuated_word":"insurance,","sentiment":"negative","sentiment_score":-0.453409343957901},{"word":"which","start":284.54,"end":284.78,"confidence":0.9770508,"punctuated_word":"which","sentiment":"negative","sentiment_score":-0.3908996880054474},{"word":"is","start":284.78,"end":284.86002,"confidence":0.9116211,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.34305012226104736},{"word":"called","start":284.86002,"end":285.1,"confidence":0.9863281,"punctuated_word":"called","sentiment":"negative","sentiment_score":-0.3692067563533783},{"word":"a","start":285.1,"end":285.18002,"confidence":0.95166016,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4685041606426239},{"word":"decline","start":285.18002,"end":285.68002,"confidence":0.9926758,"punctuated_word":"decline.","sentiment":"negative","sentiment_score":-0.5062224864959717},{"word":"okay","start":286.14,"end":286.64,"confidence":0.96362305,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":-0.31995511054992676},{"word":"now","start":287.02002,"end":287.34,"confidence":0.99609375,"punctuated_word":"Now","sentiment":"negative","sentiment_score":-0.4755590856075287},{"word":"we","start":287.34,"end":287.5,"confidence":0.9580078,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.46815261244773865},{"word":"don't","start":287.5,"end":287.74002,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.5274772644042969},{"word":"want","start":287.74002,"end":287.90002,"confidence":0.99902344,"punctuated_word":"want","sentiment":"negative","sentiment_score":-0.5448954105377197},{"word":"that","start":287.90002,"end":288.06,"confidence":0.98828125,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5537855625152588},{"word":"to","start":288.06,"end":288.22,"confidence":0.9921875,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.6298856735229492},{"word":"happen","start":288.22,"end":288.46002,"confidence":0.76049805,"punctuated_word":"happen,","sentiment":"negative","sentiment_score":-0.5627886652946472},{"word":"and","start":288.46002,"end":288.62,"confidence":0.8828125,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4752526879310608},{"word":"we","start":288.62,"end":288.7,"confidence":0.9892578,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.45413392782211304},{"word":"wanna","start":288.7,"end":289.02002,"confidence":0.8881836,"punctuated_word":"wanna","sentiment":"negative","sentiment_score":-0.4643490016460418},{"word":"withdraw","start":289.02002,"end":289.34,"confidence":0.95166016,"punctuated_word":"withdraw","sentiment":"negative","sentiment_score":-0.45479682087898254},{"word":"the","start":289.34,"end":289.5,"confidence":0.9980469,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.46366026997566223},{"word":"application","start":289.5,"end":289.90002,"confidence":0.9428711,"punctuated_word":"application","sentiment":"negative","sentiment_score":-0.39722469449043274},{"word":"before","start":289.90002,"end":290.14,"confidence":0.99121094,"punctuated_word":"before","sentiment":"negative","sentiment_score":-0.36726465821266174},{"word":"you","start":290.14,"end":290.30002,"confidence":0.8647461,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4350883960723877},{"word":"actually","start":290.30002,"end":290.62,"confidence":0.97998047,"punctuated_word":"actually","sentiment":"negative","sentiment_score":-0.3971581757068634},{"word":"get","start":290.62,"end":290.78,"confidence":0.9370117,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.45049938559532166},{"word":"that","start":290.78,"end":290.86002,"confidence":0.9790039,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4052926003932953},{"word":"formal","start":290.86002,"end":291.36002,"confidence":0.5708008,"punctuated_word":"formal","sentiment":"negative","sentiment_score":-0.370809942483902},{"word":"letter","start":291.42,"end":291.92,"confidence":0.9760742,"punctuated_word":"letter.","sentiment":"negative","sentiment_score":-0.3921661674976349},{"word":"okay","start":292.14,"end":292.46002,"confidence":0.9885254,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":-0.21577611565589905},{"word":"because","start":292.46002,"end":292.96002,"confidence":0.9819336,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.3319636285305023},{"word":"that's","start":293.02002,"end":293.34,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.3506781756877899},{"word":"just","start":293.34,"end":293.58002,"confidence":1.0,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.38830435276031494},{"word":"inquiring","start":293.58002,"end":294.08002,"confidence":0.94970703,"punctuated_word":"inquiring.","sentiment":"negative","sentiment_score":-0.40581661462783813},{"word":"that's","start":294.14,"end":294.38,"confidence":0.99560547,"punctuated_word":"That's","sentiment":"negative","sentiment_score":-0.524755597114563},{"word":"not","start":294.38,"end":294.62,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.537787914276123},{"word":"actually","start":294.62,"end":294.94,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"negative","sentiment_score":-0.4200900197029114},{"word":"going","start":294.94,"end":295.18002,"confidence":1.0,"punctuated_word":"going","sentiment":"negative","sentiment_score":-0.46091410517692566},{"word":"through","start":295.18002,"end":295.34,"confidence":0.99902344,"punctuated_word":"through","sentiment":"negative","sentiment_score":-0.4207385182380676},{"word":"with","start":295.34,"end":295.5,"confidence":0.9116211,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.5114672780036926},{"word":"the","start":295.5,"end":295.58002,"confidence":0.9970703,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4083736836910248},{"word":"process","start":295.58002,"end":296.08002,"confidence":0.9904785,"punctuated_word":"process.","sentiment":"negative","sentiment_score":-0.4089147448539734},{"word":"alright","start":296.46002,"end":296.96002,"confidence":0.8076172,"punctuated_word":"Alright?","sentiment":"neutral","sentiment_score":-0.10049216449260712},{"word":"so","start":297.705,"end":298.205,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2457939237356186},{"word":"what","start":298.345,"end":298.665,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2605317234992981},{"word":"we","start":298.665,"end":298.905,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.30493003129959106},{"word":"need","start":298.905,"end":299.065,"confidence":0.9951172,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.31703564524650574},{"word":"to","start":299.065,"end":299.145,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3081061840057373},{"word":"do","start":299.145,"end":299.385,"confidence":1.0,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.3499186038970947},{"word":"now","start":299.385,"end":299.785,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.2734743058681488},{"word":"is","start":299.785,"end":300.105,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2696518003940582},{"word":"we","start":300.105,"end":300.185,"confidence":0.8959961,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.29139062762260437},{"word":"don't","start":300.185,"end":300.425,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.32084521651268005},{"word":"want","start":300.425,"end":300.665,"confidence":1.0,"punctuated_word":"want","sentiment":"negative","sentiment_score":-0.38828667998313904},{"word":"the","start":300.665,"end":300.82498,"confidence":0.9482422,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4286623001098633},{"word":"decline","start":300.82498,"end":301.145,"confidence":0.9343262,"punctuated_word":"decline.","sentiment":"negative","sentiment_score":-0.465643048286438},{"word":"we","start":301.145,"end":301.305,"confidence":0.9921875,"punctuated_word":"We","sentiment":"negative","sentiment_score":-0.5020498633384705},{"word":"won't","start":301.305,"end":301.54498,"confidence":0.98999023,"punctuated_word":"won't","sentiment":"negative","sentiment_score":-0.5129423141479492},{"word":"be","start":301.54498,"end":301.625,"confidence":0.9980469,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.4834965467453003},{"word":"able","start":301.625,"end":301.785,"confidence":1.0,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.3952405452728271},{"word":"to","start":301.785,"end":301.865,"confidence":0.98828125,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4427590072154999},{"word":"get","start":301.865,"end":302.025,"confidence":0.99609375,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.37870144844055176},{"word":"covered","start":302.025,"end":302.345,"confidence":0.58251953,"punctuated_word":"covered","sentiment":"negative","sentiment_score":-0.3480713367462158},{"word":"as","start":302.345,"end":302.585,"confidence":0.8354492,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.3044441044330597},{"word":"adequate","start":302.585,"end":303.065,"confidence":0.9941406,"punctuated_word":"adequate","sentiment":"neutral","sentiment_score":-0.2737850546836853},{"word":"for","start":303.065,"end":303.305,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.30312198400497437},{"word":"you","start":303.305,"end":303.625,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.28822061419487},{"word":"and","start":303.625,"end":303.785,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2882545292377472},{"word":"your","start":303.785,"end":304.025,"confidence":1.0,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.33743706345558167},{"word":"family","start":304.025,"end":304.525,"confidence":0.9667969,"punctuated_word":"family.","sentiment":"neutral","sentiment_score":-0.3159297704696655},{"word":"so","start":304.745,"end":305.065,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13034380972385406},{"word":"what's","start":305.065,"end":305.385,"confidence":0.98217773,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.13704577088356018},{"word":"the","start":305.385,"end":305.465,"confidence":0.91015625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14502426981925964},{"word":"what","start":305.705,"end":305.865,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.14403904974460602},{"word":"can","start":305.865,"end":306.10498,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.12061071395874023},{"word":"we","start":306.10498,"end":306.26498,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1231287643313408},{"word":"do","start":306.26498,"end":306.585,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.13147380948066711},{"word":"about","start":306.585,"end":306.985,"confidence":0.6098633,"punctuated_word":"about?","sentiment":"neutral","sentiment_score":-0.0969765931367874},{"word":"well","start":306.985,"end":307.305,"confidence":0.9875488,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.10993636399507524},{"word":"how","start":307.305,"end":307.465,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.11143625527620316},{"word":"do","start":307.465,"end":307.625,"confidence":0.99121094,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.11183447390794754},{"word":"we","start":307.625,"end":307.785,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1113017275929451},{"word":"get","start":307.785,"end":308.025,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.09526115655899048},{"word":"your","start":308.025,"end":308.26498,"confidence":0.93408203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1045982837677002},{"word":"super","start":308.26498,"end":308.665,"confidence":0.6074219,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.04114548861980438},{"word":"consolidated","start":308.665,"end":309.165,"confidence":0.99316406,"punctuated_word":"consolidated","sentiment":"neutral","sentiment_score":-0.015406198799610138},{"word":"into","start":309.465,"end":309.705,"confidence":0.98291016,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0708751529455185},{"word":"one","start":309.705,"end":309.945,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.037961460649967194},{"word":"place","start":309.945,"end":310.44,"confidence":0.9941406,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.013828858733177183},{"word":"to","start":310.6,"end":310.68,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.024081438779830933},{"word":"get","start":310.68,"end":310.84,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.017675720155239105},{"word":"it","start":310.84,"end":310.92,"confidence":0.87353516,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05505472421646118},{"word":"working","start":310.92,"end":311.4,"confidence":0.99902344,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.08139444887638092},{"word":"harder","start":311.4,"end":311.8,"confidence":0.9921875,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.06332001090049744},{"word":"for","start":311.8,"end":311.96,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01742507517337799},{"word":"you","start":311.96,"end":312.28,"confidence":0.7919922,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.01863545924425125},{"word":"but","start":312.28,"end":312.44,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.02566626667976379},{"word":"at","start":312.44,"end":312.68,"confidence":0.9003906,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.052469268441200256},{"word":"the","start":312.68,"end":312.76,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05604606121778488},{"word":"same","start":312.76,"end":313.0,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.003390870988368988},{"word":"time","start":313.0,"end":313.24,"confidence":0.92333984,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.02026045322418213},{"word":"make","start":313.24,"end":313.48,"confidence":0.9970703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.09292186051607132},{"word":"sure","start":313.48,"end":313.64,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.094905324280262},{"word":"that","start":313.64,"end":313.72,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08194625377655029},{"word":"you","start":313.72,"end":313.88,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0704142227768898},{"word":"got","start":313.88,"end":314.12,"confidence":0.9091797,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0799202099442482},{"word":"insurance","start":314.12,"end":314.6,"confidence":0.98291016,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.0997854471206665},{"word":"covered","start":314.6,"end":315.0,"confidence":0.56018066,"punctuated_word":"covered.","sentiment":"neutral","sentiment_score":-0.07486274838447571},{"word":"if","start":315.0,"end":315.24,"confidence":0.9741211,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.23183748126029968},{"word":"not","start":315.24,"end":315.4,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.28453004360198975},{"word":"enough","start":315.4,"end":315.9,"confidence":0.9885254,"punctuated_word":"enough,","sentiment":"neutral","sentiment_score":-0.2436671257019043},{"word":"at","start":316.04,"end":316.28,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2824391722679138},{"word":"least","start":316.28,"end":316.6,"confidence":0.9941406,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.2518358826637268},{"word":"some","start":316.6,"end":317.1,"confidence":0.79248047,"punctuated_word":"some.","sentiment":"neutral","sentiment_score":-0.19644804298877716},{"word":"right","start":318.28,"end":318.78,"confidence":0.9736328,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.05674422159790993},{"word":"and","start":319.0,"end":319.24,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04924287647008896},{"word":"that","start":319.24,"end":319.48,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04071849584579468},{"word":"means","start":319.48,"end":319.8,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.015928059816360474},{"word":"that","start":319.8,"end":320.04,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.057670958340168},{"word":"we","start":320.04,"end":320.2,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.046977028250694275},{"word":"can","start":320.2,"end":320.44,"confidence":0.99609375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07073941081762314},{"word":"do","start":320.44,"end":320.68,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.030851170420646667},{"word":"what's","start":320.68,"end":321.0,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.05461609363555908},{"word":"called","start":321.0,"end":321.48,"confidence":0.99902344,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.0609259158372879},{"word":"takeover","start":321.48,"end":321.96,"confidence":0.93603516,"punctuated_word":"takeover","sentiment":"neutral","sentiment_score":0.008747782558202744},{"word":"terms","start":321.96,"end":322.2,"confidence":0.97021484,"punctuated_word":"terms,","sentiment":"neutral","sentiment_score":0.05474026873707771},{"word":"which","start":322.2,"end":322.44,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0810260996222496},{"word":"is","start":322.44,"end":322.6,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07373489439487457},{"word":"hub","start":322.6,"end":322.84,"confidence":0.72265625,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.07335589826107025},{"word":"24","start":322.84,"end":323.565,"confidence":0.9760742,"punctuated_word":"24.","sentiment":"neutral","sentiment_score":0.07857835292816162},{"word":"so","start":323.645,"end":323.805,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09993045777082445},{"word":"hub","start":323.805,"end":323.965,"confidence":0.98535156,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.11285358667373656},{"word":"24","start":323.965,"end":324.365,"confidence":0.9616699,"punctuated_word":"24,","sentiment":"neutral","sentiment_score":0.1417759656906128},{"word":"the","start":324.365,"end":324.525,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11457239836454391},{"word":"product","start":324.525,"end":324.765,"confidence":0.9951172,"punctuated_word":"product","sentiment":"neutral","sentiment_score":0.09525159001350404},{"word":"that","start":324.765,"end":324.845,"confidence":0.78515625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15627983212471008},{"word":"we're","start":324.845,"end":325.085,"confidence":0.94873047,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1305563896894455},{"word":"recommending","start":325.085,"end":325.585,"confidence":0.8613281,"punctuated_word":"recommending,","sentiment":"neutral","sentiment_score":0.15015411376953125},{"word":"actually","start":325.645,"end":325.885,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.11899414658546448},{"word":"does","start":325.885,"end":326.20502,"confidence":0.92089844,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.07957357168197632},{"word":"what's","start":326.20502,"end":326.445,"confidence":0.9812012,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.10261432826519012},{"word":"called","start":326.445,"end":326.765,"confidence":0.984375,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.10661689937114716},{"word":"takeover","start":326.765,"end":327.265,"confidence":0.9819336,"punctuated_word":"takeover","sentiment":"neutral","sentiment_score":0.0490911602973938},{"word":"terms","start":327.885,"end":328.045,"confidence":0.80371094,"punctuated_word":"terms,","sentiment":"neutral","sentiment_score":0.1006084680557251},{"word":"where","start":328.045,"end":328.365,"confidence":0.98095703,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.09076981246471404},{"word":"you","start":328.365,"end":328.605,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1169910579919815},{"word":"answer","start":328.605,"end":329.005,"confidence":0.9633789,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":0.09151433408260344},{"word":"these","start":329.005,"end":329.245,"confidence":0.9370117,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.1074066013097763},{"word":"six","start":329.245,"end":329.48502,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.12393498420715332},{"word":"questions","start":329.48502,"end":329.965,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.11506348103284836},{"word":"and","start":329.965,"end":330.125,"confidence":0.5239258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12934814393520355},{"word":"we","start":330.125,"end":330.285,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12991860508918762},{"word":"can","start":330.285,"end":330.365,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18587762117385864},{"word":"they","start":330.445,"end":330.605,"confidence":0.984375,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.12107578665018082},{"word":"can","start":330.605,"end":330.765,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1464349627494812},{"word":"literally","start":330.765,"end":331.245,"confidence":0.7133789,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":0.09593652188777924},{"word":"take","start":331.245,"end":331.48502,"confidence":0.93847656,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.04331459850072861},{"word":"over","start":331.48502,"end":331.885,"confidence":0.9951172,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.03552690148353577},{"word":"the","start":331.885,"end":332.045,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04718790948390961},{"word":"terms","start":332.045,"end":332.545,"confidence":0.9980469,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.032413288950920105},{"word":"of","start":333.165,"end":333.665,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03169293701648712},{"word":"the","start":333.725,"end":333.885,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02635113149881363},{"word":"policy","start":333.885,"end":334.365,"confidence":0.99902344,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.006786040961742401},{"word":"that","start":334.365,"end":334.605,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03991050273180008},{"word":"you","start":334.605,"end":334.845,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.021504878997802734},{"word":"hold","start":334.845,"end":335.165,"confidence":0.94970703,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.003140389919281006},{"word":"in","start":335.165,"end":335.405,"confidence":0.86572266,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.00154818594455719},{"word":"group","start":335.405,"end":335.645,"confidence":0.9658203,"punctuated_word":"group","sentiment":"neutral","sentiment_score":-0.03186970204114914},{"word":"cover","start":335.645,"end":336.125,"confidence":0.9645996,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.029739540070295337},{"word":"which","start":336.125,"end":336.445,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.009638190269470217},{"word":"is","start":336.445,"end":336.685,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0037362799048423767},{"word":"currently","start":336.685,"end":337.085,"confidence":0.97314453,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.05044838786125183},{"word":"with","start":337.085,"end":337.325,"confidence":0.97998047,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.012651108205318453},{"word":"your","start":337.325,"end":337.48502,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.010322347283363342},{"word":"current","start":337.48502,"end":337.725,"confidence":0.98828125,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.0454716682434082},{"word":"super","start":337.725,"end":338.045,"confidence":0.78759766,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.015205658972263336},{"word":"fund","start":338.045,"end":338.545,"confidence":0.8725586,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.02573614940047264},{"word":"and","start":339.16998,"end":339.33,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09263855963945387},{"word":"then","start":339.33,"end":339.49,"confidence":0.9716797,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09585407376289368},{"word":"what","start":339.49,"end":339.57,"confidence":0.97509766,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12275108695030212},{"word":"we","start":339.57,"end":339.81,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11133063584566116},{"word":"can","start":339.81,"end":340.05,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1275535374879837},{"word":"do","start":340.05,"end":340.13,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10038469731807707},{"word":"is","start":340.13,"end":340.29,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08648698031902313},{"word":"just","start":340.29,"end":340.69,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0880945548415184},{"word":"literally","start":340.69,"end":341.09,"confidence":0.9716797,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":0.05311629921197891},{"word":"move","start":341.09,"end":341.33,"confidence":0.98095703,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.06596061587333679},{"word":"them","start":341.33,"end":341.49,"confidence":0.9316406,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.03058881312608719},{"word":"over","start":341.49,"end":341.73,"confidence":0.7663574,"punctuated_word":"over,","sentiment":"neutral","sentiment_score":0.0705026239156723},{"word":"and","start":341.73,"end":341.81,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09197428077459335},{"word":"they're","start":341.81,"end":341.88998,"confidence":0.9951172,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.10696127265691756},{"word":"gonna","start":341.88998,"end":342.21,"confidence":0.95410156,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.13787102699279785},{"word":"be","start":342.21,"end":342.37,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1069066971540451},{"word":"owned","start":342.37,"end":342.69,"confidence":0.9589844,"punctuated_word":"owned","sentiment":"neutral","sentiment_score":0.0895768478512764},{"word":"under","start":342.69,"end":343.01,"confidence":0.984375,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.14840176701545715},{"word":"the","start":343.01,"end":343.16998,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12649670243263245},{"word":"platform","start":343.16998,"end":343.65,"confidence":0.98535156,"punctuated_word":"platform","sentiment":"neutral","sentiment_score":0.10809415578842164},{"word":"of","start":343.65,"end":343.73,"confidence":0.59375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1538389027118683},{"word":"upstream","start":343.73,"end":344.21,"confidence":0.61621094,"punctuated_word":"Upstream","sentiment":"neutral","sentiment_score":0.13069407641887665},{"word":"for","start":344.21,"end":344.44998,"confidence":0.41455078,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05544000491499901},{"word":"instead","start":344.44998,"end":344.69,"confidence":0.67529297,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.03837282955646515},{"word":"of","start":344.69,"end":344.77,"confidence":0.97802734,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04687950015068054},{"word":"the","start":344.77,"end":344.85,"confidence":0.75634766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05092029273509979},{"word":"existing","start":344.85,"end":345.33,"confidence":0.98535156,"punctuated_word":"existing","sentiment":"neutral","sentiment_score":0.001514047384262085},{"word":"super","start":345.33,"end":345.65,"confidence":0.95703125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.04526548087596893},{"word":"fund","start":345.65,"end":346.15,"confidence":0.97998047,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.07811184227466583},{"word":"under","start":347.88998,"end":348.21,"confidence":0.5078125,"punctuated_word":"Under","sentiment":"neutral","sentiment_score":0.008665530011057854},{"word":"the","start":348.21,"end":348.29,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011757519096136091},{"word":"condition","start":348.29,"end":348.69,"confidence":0.98828125,"punctuated_word":"condition","sentiment":"neutral","sentiment_score":0.02172035723924637},{"word":"that","start":348.69,"end":348.85,"confidence":0.79052734,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.017879310995340347},{"word":"you","start":348.85,"end":349.01,"confidence":0.6977539,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013950456865131857},{"word":"answer","start":349.01,"end":349.25,"confidence":0.4399414,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":0.02454029768705368},{"word":"now","start":349.25,"end":349.41,"confidence":0.32666016,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.00987372174859047},{"word":"to","start":349.41,"end":349.57,"confidence":0.93115234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02494882047176361},{"word":"all","start":349.57,"end":349.72998,"confidence":0.95703125,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.02445216104388237},{"word":"six","start":349.72998,"end":349.97,"confidence":0.7915039,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.01563335955142975},{"word":"questions","start":349.97,"end":350.37,"confidence":0.89990234,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.01850000396370888},{"word":"which","start":350.37,"end":350.53,"confidence":0.90234375,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.020306620746850967},{"word":"you","start":350.53,"end":350.69,"confidence":0.6401367,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016564752906560898},{"word":"have","start":350.69,"end":351.19,"confidence":0.9362793,"punctuated_word":"have?","sentiment":"neutral","sentiment_score":0.02294207364320755},{"word":"correct","start":360.775,"end":361.09497,"confidence":0.84350586,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.11347230523824692},{"word":"correct","start":361.09497,"end":361.59497,"confidence":0.9785156,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.12730993330478668},{"word":"so","start":361.655,"end":361.895,"confidence":0.984375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11957179009914398},{"word":"just","start":361.895,"end":362.13498,"confidence":0.9453125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12843571603298187},{"word":"right","start":362.13498,"end":362.375,"confidence":0.96972656,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.17184565961360931},{"word":"now","start":362.375,"end":362.53497,"confidence":0.93066406,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.14110885560512543},{"word":"i","start":362.53497,"end":362.615,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16972406208515167},{"word":"wanna","start":362.615,"end":363.01498,"confidence":0.9160156,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2075929194688797},{"word":"consolidate","start":363.01498,"end":363.495,"confidence":0.9819336,"punctuated_word":"consolidate","sentiment":"neutral","sentiment_score":0.174785315990448},{"word":"your","start":363.495,"end":363.735,"confidence":0.9790039,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24900919198989868},{"word":"funds","start":363.735,"end":363.97498,"confidence":0.98095703,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.19491270184516907},{"word":"to","start":363.97498,"end":364.215,"confidence":0.7145996,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.2469608634710312},{"word":"you","start":364.215,"end":364.29498,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18408064544200897},{"word":"know","start":364.29498,"end":364.53497,"confidence":0.9980469,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.21839003264904025},{"word":"snowball","start":364.53497,"end":365.01498,"confidence":0.6503906,"punctuated_word":"snowball","sentiment":"neutral","sentiment_score":0.3294268846511841},{"word":"effect","start":365.01498,"end":365.335,"confidence":0.9633789,"punctuated_word":"effect","sentiment":"positive","sentiment_score":0.3586510717868805},{"word":"compounding","start":365.335,"end":365.81497,"confidence":0.7442627,"punctuated_word":"compounding","sentiment":"positive","sentiment_score":0.33470821380615234},{"word":"returns","start":365.81497,"end":366.215,"confidence":0.52441406,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.3923990130424499},{"word":"a","start":366.215,"end":366.375,"confidence":0.68408203,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.38542401790618896},{"word":"beautiful","start":366.375,"end":366.775,"confidence":0.9980469,"punctuated_word":"beautiful","sentiment":"positive","sentiment_score":0.6199623942375183},{"word":"thing","start":366.775,"end":367.01498,"confidence":0.9614258,"punctuated_word":"thing.","sentiment":"positive","sentiment_score":0.3792735338211059},{"word":"i","start":367.01498,"end":367.175,"confidence":0.9428711,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02053079381585121},{"word":"want","start":367.175,"end":367.53,"confidence":0.9892578,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.004439797252416611},{"word":"don't","start":367.61,"end":367.77,"confidence":0.9152832,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.027886029332876205},{"word":"want","start":367.77,"end":368.01,"confidence":0.99609375,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.02935388684272766},{"word":"two","start":368.01,"end":368.25,"confidence":0.9589844,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.0854702964425087},{"word":"super","start":368.25,"end":368.65,"confidence":0.94628906,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.08440691232681274},{"word":"funds","start":368.65,"end":369.15,"confidence":0.84228516,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":-0.07336783409118652},{"word":"portion","start":369.29,"end":369.61,"confidence":0.3671875,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":-0.0022478103637695312},{"word":"portions","start":369.77,"end":370.17,"confidence":0.99609375,"punctuated_word":"portions","sentiment":"neutral","sentiment_score":-0.006588682532310486},{"word":"in","start":370.17,"end":370.33,"confidence":0.97265625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04332827776670456},{"word":"each","start":370.33,"end":370.83,"confidence":0.9667969,"punctuated_word":"each.","sentiment":"neutral","sentiment_score":-0.017625074833631516},{"word":"i","start":371.05,"end":371.21,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05932598561048508},{"word":"would","start":371.21,"end":371.37,"confidence":0.9819336,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.11549637466669084},{"word":"like","start":371.37,"end":371.53,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.16111299395561218},{"word":"to","start":371.53,"end":372.03,"confidence":0.9550781,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1826360821723938},{"word":"have","start":372.17,"end":372.33,"confidence":0.7089844,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.213593065738678},{"word":"the","start":372.33,"end":372.49,"confidence":0.67578125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22575026750564575},{"word":"it's","start":372.73,"end":372.97,"confidence":0.94750977,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.18873541057109833},{"word":"called","start":372.97,"end":373.21,"confidence":0.9921875,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.1836380809545517},{"word":"a","start":373.21,"end":373.37,"confidence":0.94140625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1981123387813568},{"word":"retention","start":373.37,"end":373.87,"confidence":0.9970703,"punctuated_word":"retention","sentiment":"neutral","sentiment_score":0.14071257412433624},{"word":"strategy","start":373.93,"end":374.41,"confidence":0.99902344,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.14931298792362213},{"word":"where","start":374.41,"end":374.57,"confidence":0.77441406,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.15228548645973206},{"word":"you","start":374.57,"end":374.73,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1579955369234085},{"word":"have","start":374.73,"end":374.97,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21903415024280548},{"word":"the","start":374.97,"end":375.05,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2492298185825348},{"word":"majority","start":375.05,"end":375.53,"confidence":1.0,"punctuated_word":"majority","sentiment":"neutral","sentiment_score":0.2882768511772156},{"word":"of","start":375.53,"end":375.69,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2728751599788666},{"word":"your","start":375.69,"end":375.85,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.25605905055999756},{"word":"funds","start":375.85,"end":376.25,"confidence":0.9970703,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.2522502541542053},{"word":"in","start":376.25,"end":376.41,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.32736048102378845},{"word":"one","start":376.41,"end":376.65,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.23158133029937744},{"word":"place","start":376.65,"end":377.15,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.3297882080078125},{"word":"that's","start":377.21,"end":377.53,"confidence":0.93603516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.28903883695602417},{"word":"working","start":377.53,"end":377.93,"confidence":0.99902344,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.34842735528945923},{"word":"hard","start":377.93,"end":378.16998,"confidence":0.93847656,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":0.3314683139324188},{"word":"and","start":378.16998,"end":378.25,"confidence":0.85546875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31393009424209595},{"word":"getting","start":378.25,"end":378.65,"confidence":0.94921875,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.31129565834999084},{"word":"better","start":378.65,"end":378.88998,"confidence":0.55615234,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.2642078995704651},{"word":"return","start":378.88998,"end":379.38998,"confidence":0.81274414,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.2886934280395508},{"word":"tracking","start":380.165,"end":380.48502,"confidence":0.94628906,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.17268194258213043},{"word":"for","start":380.48502,"end":380.725,"confidence":0.98291016,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1638309806585312},{"word":"retirement","start":380.725,"end":381.20502,"confidence":0.7519531,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.10785387456417084},{"word":"but","start":381.20502,"end":381.36502,"confidence":0.9892578,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06511308252811432},{"word":"then","start":381.36502,"end":381.52502,"confidence":0.9790039,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08048315346240997},{"word":"you","start":381.52502,"end":381.685,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08046461641788483},{"word":"leave","start":381.685,"end":381.92502,"confidence":0.99121094,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.0536452941596508},{"word":"a","start":381.92502,"end":382.165,"confidence":0.9223633,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07712583243846893},{"word":"minimum","start":382.165,"end":382.64502,"confidence":0.99902344,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":0.047707848250865936},{"word":"amount","start":382.64502,"end":382.885,"confidence":0.41088867,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.0764966756105423},{"word":"in","start":382.885,"end":383.125,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0750955119729042},{"word":"the","start":383.125,"end":383.285,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06502612680196762},{"word":"previous","start":383.285,"end":383.685,"confidence":1.0,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":0.06092936545610428},{"word":"one","start":383.685,"end":384.185,"confidence":0.77856445,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.05555354803800583},{"word":"and","start":384.405,"end":384.565,"confidence":0.78125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06449683010578156},{"word":"most","start":384.565,"end":384.80502,"confidence":0.99121094,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.06833789497613907},{"word":"most","start":384.80502,"end":385.045,"confidence":0.98535156,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.07211437821388245},{"word":"of","start":385.045,"end":385.125,"confidence":0.32666016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07349473983049393},{"word":"the","start":385.125,"end":385.20502,"confidence":0.8305664,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07314223796129227},{"word":"most","start":385.20502,"end":385.445,"confidence":0.5341797,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.06623879820108414},{"word":"of","start":385.445,"end":385.48502,"confidence":0.9741211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07090684771537781},{"word":"the","start":385.48502,"end":385.52502,"confidence":0.97509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07095818966627121},{"word":"time","start":385.52502,"end":385.685,"confidence":0.8125,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.07425080239772797},{"word":"we","start":385.685,"end":385.845,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07741056382656097},{"word":"do","start":385.845,"end":386.005,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08183830976486206},{"word":"that","start":386.005,"end":386.165,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06745394319295883},{"word":"for","start":386.165,"end":386.325,"confidence":0.95751953,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.04999655112624168},{"word":"like","start":386.325,"end":386.565,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.03489604592323303},{"word":"government","start":386.565,"end":386.965,"confidence":0.99902344,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.07340466976165771},{"word":"employees","start":386.965,"end":387.465,"confidence":0.84033203,"punctuated_word":"employees,","sentiment":"neutral","sentiment_score":0.032492633908987045},{"word":"like","start":388.80502,"end":389.045,"confidence":0.56762695,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0421968549489975},{"word":"doctors","start":389.045,"end":389.545,"confidence":0.66259766,"punctuated_word":"doctors","sentiment":"neutral","sentiment_score":0.04507539048790932},{"word":"where","start":389.765,"end":390.005,"confidence":0.70166016,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.051306791603565216},{"word":"you've","start":390.005,"end":390.165,"confidence":0.97314453,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.06699797511100769},{"word":"got","start":390.165,"end":390.405,"confidence":0.7294922,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07297229766845703},{"word":"into","start":390.405,"end":390.64502,"confidence":0.47143555,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.07540479302406311},{"word":"what's","start":390.64502,"end":390.885,"confidence":0.9765625,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.06983321905136108},{"word":"called","start":390.885,"end":391.125,"confidence":0.96240234,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.0639035701751709},{"word":"an","start":391.125,"end":391.36502,"confidence":0.96435547,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07320713996887207},{"word":"eba","start":391.36502,"end":391.845,"confidence":0.8334961,"punctuated_word":"EBA,","sentiment":"neutral","sentiment_score":0.03685251250863075},{"word":"an","start":391.845,"end":392.005,"confidence":0.90283203,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.023148316890001297},{"word":"enterprise","start":392.005,"end":392.48502,"confidence":0.8964844,"punctuated_word":"enterprise","sentiment":"neutral","sentiment_score":0.020543165504932404},{"word":"bargaining","start":392.48502,"end":392.98502,"confidence":0.6635742,"punctuated_word":"bargaining","sentiment":"neutral","sentiment_score":0.02912312187254429},{"word":"arrangement","start":393.045,"end":393.545,"confidence":0.83374023,"punctuated_word":"arrangement,","sentiment":"neutral","sentiment_score":0.02858491986989975},{"word":"where","start":393.93,"end":394.17,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.020506741479039192},{"word":"you","start":394.17,"end":394.33002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03892791271209717},{"word":"aren't","start":394.33002,"end":394.73,"confidence":0.97265625,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":0.034983277320861816},{"word":"allowed","start":394.73,"end":395.05,"confidence":0.9980469,"punctuated_word":"allowed","sentiment":"neutral","sentiment_score":0.005697432905435562},{"word":"to","start":395.05,"end":395.29,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.020750712603330612},{"word":"pay","start":395.29,"end":395.61002,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.003896191716194153},{"word":"sup","start":395.61002,"end":395.77002,"confidence":0.23657227,"punctuated_word":"sup","sentiment":"neutral","sentiment_score":0.010109608992934229},{"word":"where","start":395.93,"end":396.17,"confidence":0.97314453,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.0018745698034763336},{"word":"the","start":396.17,"end":396.25,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0004101768136024475},{"word":"employer","start":396.25,"end":396.73,"confidence":0.91845703,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":-0.01150704175233841},{"word":"isn't","start":396.73,"end":397.13,"confidence":0.8913574,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":0.0038693659007549286},{"word":"paying","start":397.13,"end":397.61002,"confidence":0.9003906,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.025480899959802628},{"word":"supers","start":397.61002,"end":397.93,"confidence":0.5083008,"punctuated_word":"supers","sentiment":"neutral","sentiment_score":-0.016235841438174248},{"word":"or","start":397.93,"end":398.09,"confidence":0.8935547,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.014787763357162476},{"word":"anywhere","start":398.09,"end":398.49,"confidence":0.9902344,"punctuated_word":"anywhere","sentiment":"neutral","sentiment_score":-0.043947357684373856},{"word":"else","start":398.49,"end":398.65,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.004173487424850464},{"word":"other","start":398.65,"end":398.89,"confidence":0.7631836,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.03002101555466652},{"word":"than","start":398.89,"end":399.05,"confidence":0.99316406,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.02396000549197197},{"word":"that","start":399.05,"end":399.21,"confidence":0.90234375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007247883826494217},{"word":"one","start":399.21,"end":399.45,"confidence":0.9770508,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.022793523967266083},{"word":"specific","start":399.45,"end":399.85,"confidence":0.9921875,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":0.00005933642387390137},{"word":"fund","start":399.85,"end":400.35,"confidence":0.9265137,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.0005016867071390152},{"word":"but","start":400.89,"end":401.13,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.018899191170930862},{"word":"that","start":401.13,"end":401.53,"confidence":0.6352539,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.07701989263296127},{"word":"usually","start":401.53,"end":402.03,"confidence":0.9975586,"punctuated_word":"usually,","sentiment":"neutral","sentiment_score":-0.10978730022907256},{"word":"that","start":402.09,"end":402.33002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17861583828926086},{"word":"fund","start":402.33002,"end":402.57,"confidence":0.9902344,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.2517384886741638},{"word":"doesn't","start":402.57,"end":402.89,"confidence":0.9995117,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.15226386487483978},{"word":"perform","start":402.89,"end":403.21,"confidence":0.9970703,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":-0.17844310402870178},{"word":"that","start":403.21,"end":403.37,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1356213390827179},{"word":"well","start":403.37,"end":403.87,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.14569571614265442},{"word":"because","start":404.09,"end":404.41,"confidence":0.8095703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.14150600135326383},{"word":"of","start":404.41,"end":404.49,"confidence":0.50439453,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1746896207332611},{"word":"government","start":404.49,"end":404.99,"confidence":0.86083984,"punctuated_word":"government.","sentiment":"neutral","sentiment_score":-0.15533864498138428},{"word":"right","start":405.05,"end":405.55,"confidence":0.9370117,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.014835763722658156},{"word":"so","start":405.865,"end":406.185,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.034496914595365524},{"word":"that's","start":406.185,"end":406.425,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.019116917625069615},{"word":"why","start":406.425,"end":406.66498,"confidence":0.9980469,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.03799990937113762},{"word":"we","start":406.66498,"end":406.82498,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.017902079969644547},{"word":"do","start":406.82498,"end":406.985,"confidence":0.97998047,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.005870707333087921},{"word":"a","start":406.985,"end":407.145,"confidence":0.7729492,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.018640536814928055},{"word":"retention","start":407.145,"end":407.625,"confidence":0.97998047,"punctuated_word":"retention","sentiment":"neutral","sentiment_score":-0.004554953426122665},{"word":"strategy","start":407.625,"end":408.125,"confidence":0.7783203,"punctuated_word":"strategy.","sentiment":"neutral","sentiment_score":0.01003122329711914},{"word":"but","start":408.26498,"end":408.585,"confidence":0.9970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.01877065002918243},{"word":"in","start":408.585,"end":408.82498,"confidence":0.9394531,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09778338670730592},{"word":"all","start":408.82498,"end":409.06497,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.11655868589878082},{"word":"cases","start":409.06497,"end":409.56497,"confidence":0.9875488,"punctuated_word":"cases,","sentiment":"neutral","sentiment_score":-0.11589714884757996},{"word":"a","start":409.625,"end":409.78497,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.186542809009552},{"word":"beneficial","start":409.78497,"end":410.26498,"confidence":0.9970703,"punctuated_word":"beneficial","sentiment":"neutral","sentiment_score":-0.15281860530376434},{"word":"outcome","start":410.26498,"end":410.66498,"confidence":0.9980469,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":-0.1103772148489952},{"word":"is","start":410.66498,"end":410.905,"confidence":0.94921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.16775190830230713},{"word":"not","start":410.905,"end":411.145,"confidence":0.98291016,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.22635868191719055},{"word":"to","start":411.145,"end":411.305,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16477161645889282},{"word":"do","start":411.305,"end":411.705,"confidence":0.86279297,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.1302924007177353},{"word":"and","start":411.705,"end":411.865,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.028370387852191925},{"word":"that's","start":411.865,"end":412.025,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.021700194105505943},{"word":"what","start":412.025,"end":412.185,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.02886109799146652},{"word":"i'm","start":412.185,"end":412.345,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03087168186903},{"word":"trying","start":412.345,"end":412.50497,"confidence":0.99902344,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.025251202285289764},{"word":"to","start":412.50497,"end":412.585,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0486411526799202},{"word":"do","start":412.585,"end":412.745,"confidence":0.9946289,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.010811075568199158},{"word":"i'm","start":412.745,"end":412.905,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05735978111624718},{"word":"trying","start":412.905,"end":413.025,"confidence":0.99316406,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.07853074371814728},{"word":"to","start":413.025,"end":413.145,"confidence":0.98291016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12795178592205048},{"word":"see","start":413.145,"end":413.305,"confidence":0.27319336,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1114555075764656},{"word":"the","start":413.305,"end":413.38498,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07064562290906906},{"word":"best","start":413.38498,"end":413.625,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.04106052964925766},{"word":"outcome","start":413.625,"end":413.865,"confidence":0.99609375,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":0.11780213564634325},{"word":"because","start":413.865,"end":414.10498,"confidence":0.8881836,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05680231004953384},{"word":"they","start":414.10498,"end":414.185,"confidence":0.53271484,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.11832042783498764},{"word":"may","start":414.185,"end":414.34497,"confidence":0.7631836,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.158576637506485},{"word":"look","start":414.34497,"end":414.50497,"confidence":0.99609375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.14737674593925476},{"word":"after","start":414.50497,"end":414.745,"confidence":0.6088867,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.11926144361495972},{"word":"your","start":414.745,"end":414.905,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12080248445272446},{"word":"best","start":414.905,"end":415.22498,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.05727425217628479},{"word":"interest","start":415.22498,"end":415.72498,"confidence":0.9890137,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":0.11872230470180511},{"word":"okay","start":417.22498,"end":417.72498,"confidence":0.9055176,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.0629018247127533},{"word":"does","start":417.865,"end":418.10498,"confidence":0.91748047,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.06837202608585358},{"word":"that","start":418.10498,"end":418.26498,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13005903363227844},{"word":"make","start":418.26498,"end":418.425,"confidence":0.94628906,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.04833855852484703},{"word":"sense","start":418.425,"end":418.585,"confidence":0.99902344,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.054526761174201965},{"word":"does","start":418.585,"end":418.745,"confidence":0.9970703,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.005864022299647331},{"word":"that","start":418.745,"end":418.985,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.015889126807451248},{"word":"answer","start":418.985,"end":419.305,"confidence":0.99609375,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":0.003745321184396744},{"word":"your","start":419.305,"end":419.38498,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.014499478042125702},{"word":"question","start":419.38498,"end":419.865,"confidence":0.86865234,"punctuated_word":"question?","sentiment":"neutral","sentiment_score":-0.00326267397031188},{"word":"or","start":419.865,"end":420.025,"confidence":0.78027344,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.005315365269780159},{"word":"beautiful","start":421.72,"end":422.22,"confidence":0.97387695,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.37664055824279785},{"word":"amazing","start":423.0,"end":423.5,"confidence":0.9538574,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.5876821875572205},{"word":"amazing","start":423.8,"end":424.3,"confidence":0.9099121,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.4773930311203003},{"word":"well","start":424.36,"end":424.68,"confidence":0.9321289,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.10868333280086516},{"word":"look","start":424.68,"end":425.08,"confidence":0.75512695,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.05358976870775223},{"word":"i","start":425.08,"end":425.24,"confidence":0.515625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.020037733018398285},{"word":"also","start":425.24,"end":425.47998,"confidence":0.5336914,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.02006571739912033},{"word":"sorry","start":426.12,"end":426.43997,"confidence":0.796875,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.027615176513791084},{"word":"go","start":426.43997,"end":426.59998,"confidence":0.97802734,"punctuated_word":"Go","sentiment":"neutral","sentiment_score":-0.016010137274861336},{"word":"on","start":426.59998,"end":427.09998,"confidence":0.97436523,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.007598585449159145},{"word":"yep","start":431.63998,"end":432.13998,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.009406650438904762},{"word":"yep","start":439.535,"end":440.035,"confidence":0.7285156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.019052844494581223},{"word":"that's","start":448.3,"end":448.8,"confidence":0.73669434,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.009831794537603855},{"word":"alright","start":452.13998,"end":452.62,"confidence":0.9602051,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":-0.023729998618364338},{"word":"we","start":452.62,"end":453.02,"confidence":0.49365234,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.04792328178882599},{"word":"we","start":453.02,"end":453.25998,"confidence":0.92578125,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04813122749328613},{"word":"could","start":453.25998,"end":453.5,"confidence":0.4736328,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.05396793782711029},{"word":"check","start":453.5,"end":453.74,"confidence":0.9941406,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.05945686250925064},{"word":"on","start":453.74,"end":453.9,"confidence":0.93603516,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0618620403110981},{"word":"our","start":453.9,"end":454.06,"confidence":0.9921875,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.07742535322904587},{"word":"site","start":454.06,"end":454.3,"confidence":0.67822266,"punctuated_word":"site,","sentiment":"neutral","sentiment_score":0.0737525075674057},{"word":"but","start":454.3,"end":454.46,"confidence":0.9770508,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04766813665628433},{"word":"look","start":454.46,"end":454.62,"confidence":0.54907227,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.05565140023827553},{"word":"it","start":454.62,"end":454.69998,"confidence":0.9716797,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07102548331022263},{"word":"won't","start":454.69998,"end":454.94,"confidence":0.90405273,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.04999777302145958},{"word":"hurt","start":454.94,"end":455.44,"confidence":0.982666,"punctuated_word":"hurt.","sentiment":"neutral","sentiment_score":0.05113516747951507},{"word":"yeah","start":455.58,"end":455.9,"confidence":0.9423828,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14102129638195038},{"word":"correct","start":455.9,"end":456.38,"confidence":0.92626953,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.2294643223285675},{"word":"so","start":456.38,"end":456.53998,"confidence":0.7729492,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24294891953468323},{"word":"but","start":456.62,"end":456.78,"confidence":0.9921875,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2247788608074188},{"word":"but","start":456.78,"end":457.02,"confidence":0.9790039,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2522808611392975},{"word":"it","start":457.02,"end":457.1,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.29551592469215393},{"word":"won't","start":457.1,"end":457.41998,"confidence":0.9926758,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.2861074209213257},{"word":"hurt","start":457.41998,"end":457.74,"confidence":0.9658203,"punctuated_word":"hurt","sentiment":"neutral","sentiment_score":0.21105852723121643},{"word":"at","start":457.74,"end":457.9,"confidence":0.9790039,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.34459248185157776},{"word":"all","start":457.9,"end":458.13998,"confidence":0.9995117,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.3675612211227417},{"word":"i","start":458.13998,"end":458.22,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29853036999702454},{"word":"mean","start":458.22,"end":458.53998,"confidence":0.98706055,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.2689047157764435},{"word":"if","start":458.53998,"end":458.69998,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2814291715621948},{"word":"you","start":458.69998,"end":458.94,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21207210421562195},{"word":"yeah","start":459.58,"end":459.9,"confidence":0.9831543,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.2306200265884399},{"word":"if","start":459.9,"end":460.06,"confidence":0.9838867,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.21638678014278412},{"word":"you","start":460.06,"end":460.56,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14756779372692108},{"word":"just","start":460.655,"end":460.815,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16012130677700043},{"word":"let","start":460.815,"end":460.975,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.168568953871727},{"word":"us","start":460.975,"end":461.05502,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.1469922959804535},{"word":"know","start":461.05502,"end":461.21503,"confidence":0.7980957,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.16188719868659973},{"word":"if","start":461.21503,"end":461.45502,"confidence":0.9667969,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18599407374858856},{"word":"you","start":461.45502,"end":461.535,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16486233472824097},{"word":"can","start":461.535,"end":461.695,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14972831308841705},{"word":"see","start":461.695,"end":461.855,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.16835083067417145},{"word":"it","start":461.855,"end":462.015,"confidence":0.9604492,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15857245028018951},{"word":"on","start":462.015,"end":462.17502,"confidence":0.9873047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1987871378660202},{"word":"your","start":462.17502,"end":462.415,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18402370810508728},{"word":"end","start":462.415,"end":462.915,"confidence":0.8652344,"punctuated_word":"end,","sentiment":"neutral","sentiment_score":0.19306747615337372},{"word":"you","start":463.05502,"end":463.135,"confidence":0.9277344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1610119640827179},{"word":"know","start":463.135,"end":463.295,"confidence":0.9577637,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.15899819135665894},{"word":"it's","start":463.295,"end":463.45502,"confidence":0.71850586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1617739498615265},{"word":"just","start":463.45502,"end":463.695,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15934433043003082},{"word":"that","start":463.695,"end":463.855,"confidence":0.53759766,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.119804285466671},{"word":"we","start":463.855,"end":463.935,"confidence":0.74316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16229146718978882},{"word":"both","start":463.935,"end":464.255,"confidence":0.86035156,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.23248185217380524},{"word":"if","start":464.255,"end":464.415,"confidence":0.88720703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2620176672935486},{"word":"we","start":464.415,"end":464.575,"confidence":0.984375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1916743963956833},{"word":"both","start":464.575,"end":464.815,"confidence":0.9604492,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.22747468948364255},{"word":"carry","start":464.815,"end":464.975,"confidence":0.8378906,"punctuated_word":"carry","sentiment":"neutral","sentiment_score":0.3045493960380554},{"word":"on","start":464.975,"end":465.135,"confidence":0.9770508,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3105839490890503},{"word":"checking","start":465.135,"end":465.635,"confidence":0.9265137,"punctuated_word":"checking,","sentiment":"neutral","sentiment_score":0.23573315143585205},{"word":"you'll","start":465.935,"end":466.255,"confidence":0.99609375,"punctuated_word":"you'll","sentiment":"positive","sentiment_score":0.3706856369972229},{"word":"be","start":466.255,"end":466.49503,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.417525053024292},{"word":"amazed","start":466.49503,"end":466.99503,"confidence":1.0,"punctuated_word":"amazed","sentiment":"positive","sentiment_score":0.4621202051639557},{"word":"by","start":467.05502,"end":467.21503,"confidence":0.29125977,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.3842446804046631},{"word":"how","start":467.21503,"end":467.375,"confidence":0.9970703,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.3689576387405395},{"word":"many","start":467.375,"end":467.695,"confidence":1.0,"punctuated_word":"many","sentiment":"positive","sentiment_score":0.3631576597690582},{"word":"times","start":467.695,"end":468.17502,"confidence":0.99902344,"punctuated_word":"times","sentiment":"neutral","sentiment_score":0.3118259012699127},{"word":"these","start":468.17502,"end":468.49503,"confidence":0.79296875,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.3228128254413605},{"word":"the","start":468.575,"end":468.815,"confidence":0.82714844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25981831550598145},{"word":"payslip","start":468.815,"end":469.315,"confidence":0.7651367,"punctuated_word":"payslip","sentiment":"neutral","sentiment_score":0.19329571723937988},{"word":"status","start":469.45502,"end":469.855,"confidence":0.38208008,"punctuated_word":"status","sentiment":"neutral","sentiment_score":0.17318357527256012},{"word":"change","start":469.855,"end":470.255,"confidence":0.60961914,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":0.15379071235656738},{"word":"but","start":470.255,"end":470.755,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.01484374701976776},{"word":"just","start":471.05502,"end":471.55502,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.050897374749183655},{"word":"admin","start":471.61502,"end":472.11502,"confidence":0.8972168,"punctuated_word":"admin,","sentiment":"neutral","sentiment_score":-0.05501475930213928},{"word":"you","start":472.17502,"end":472.33502,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05740934610366821},{"word":"know","start":472.33502,"end":472.575,"confidence":0.9941406,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.07607097923755646},{"word":"the","start":472.575,"end":472.655,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0965925082564354},{"word":"payroll","start":472.655,"end":473.135,"confidence":0.9951172,"punctuated_word":"payroll","sentiment":"neutral","sentiment_score":-0.04643570259213448},{"word":"kind","start":473.135,"end":473.375,"confidence":0.7114258,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.08773407340049744},{"word":"of","start":473.375,"end":473.45502,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.039251577109098434},{"word":"sector","start":473.45502,"end":473.935,"confidence":0.77001953,"punctuated_word":"sector,","sentiment":"neutral","sentiment_score":-0.07759825885295868},{"word":"they","start":473.935,"end":474.095,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1109619364142418},{"word":"just","start":474.095,"end":474.39,"confidence":0.95947266,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07671626657247543},{"word":"they","start":474.39,"end":474.63,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.10083073377609252},{"word":"just","start":474.63,"end":474.87003,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08394643664360046},{"word":"pay","start":474.87003,"end":474.95,"confidence":0.8598633,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.08703866600990295},{"word":"to","start":474.95,"end":475.27002,"confidence":0.60009766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09446066617965698},{"word":"the","start":475.27002,"end":475.35,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.129012331366539},{"word":"same","start":475.35,"end":475.59003,"confidence":0.99609375,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.10933980345726012},{"word":"super","start":475.59003,"end":475.83002,"confidence":0.6269531,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.11341427266597748},{"word":"funds","start":475.83002,"end":476.07,"confidence":0.7817383,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.04742881283164024},{"word":"or","start":476.07,"end":476.23,"confidence":0.22375488,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05353839322924614},{"word":"what","start":476.23,"end":476.39,"confidence":0.24041748,"punctuated_word":"what,","sentiment":"neutral","sentiment_score":-0.09184795618057252},{"word":"and","start":476.39,"end":476.55002,"confidence":0.81396484,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08662080764770508},{"word":"just","start":476.55002,"end":476.95,"confidence":0.9790039,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.13116657733917236},{"word":"someone","start":476.95,"end":477.35,"confidence":0.5214844,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":-0.18437761068344116},{"word":"just","start":477.35,"end":477.59003,"confidence":0.95703125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.11876153945922852},{"word":"doesn't","start":477.59003,"end":477.83002,"confidence":0.99658203,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.11230722069740295},{"word":"change","start":477.83002,"end":478.15002,"confidence":0.99609375,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.11536487936973572},{"word":"it","start":478.15002,"end":478.65002,"confidence":0.9580078,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.0474218986928463},{"word":"so","start":478.79,"end":479.27002,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04274609684944153},{"word":"that's","start":479.27002,"end":479.67,"confidence":0.9851074,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.05960476025938988},{"word":"yes","start":480.55002,"end":481.05002,"confidence":0.90185547,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.17992572486400604},{"word":"yeah","start":481.91,"end":482.31003,"confidence":0.97314453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09513889253139496},{"word":"correct","start":482.31003,"end":482.81003,"confidence":0.9995117,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.21040694415569303},{"word":"and","start":483.11002,"end":483.27002,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.16347767412662506},{"word":"then","start":483.27002,"end":483.51,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.27471232414245605},{"word":"the","start":483.51,"end":483.67,"confidence":0.9921875,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4244810044765472},{"word":"worst","start":483.67,"end":483.91,"confidence":0.99609375,"punctuated_word":"worst","sentiment":"negative","sentiment_score":-0.5808196663856506},{"word":"part","start":483.91,"end":484.15002,"confidence":0.8852539,"punctuated_word":"part","sentiment":"negative","sentiment_score":-0.44018828868865967},{"word":"is","start":484.15002,"end":484.23,"confidence":0.6118164,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.5682759881019592},{"word":"that's","start":484.23,"end":484.47,"confidence":0.74731445,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.538962721824646},{"word":"one","start":484.47,"end":484.63,"confidence":0.9760742,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.6205446720123291},{"word":"of","start":484.63,"end":484.71002,"confidence":0.9873047,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5434178113937378},{"word":"the","start":484.71002,"end":484.79,"confidence":0.97998047,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.545214831829071},{"word":"worst","start":484.79,"end":485.03003,"confidence":0.9482422,"punctuated_word":"worst","sentiment":"negative","sentiment_score":-0.5887912511825562},{"word":"things","start":485.03003,"end":485.19,"confidence":0.9770508,"punctuated_word":"things","sentiment":"negative","sentiment_score":-0.49460646510124207},{"word":"that","start":485.19,"end":485.35,"confidence":0.9892578,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4463786780834198},{"word":"can","start":485.35,"end":485.51,"confidence":0.9921875,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.4826275408267975},{"word":"happen","start":485.51,"end":486.01,"confidence":0.8371582,"punctuated_word":"happen.","sentiment":"negative","sentiment_score":-0.5241556763648987},{"word":"the","start":486.485,"end":486.565,"confidence":0.93603516,"punctuated_word":"The","sentiment":"negative","sentiment_score":-0.4661237597465515},{"word":"worst","start":486.565,"end":486.805,"confidence":0.9951172,"punctuated_word":"worst","sentiment":"negative","sentiment_score":-0.5790160298347473},{"word":"thing","start":486.805,"end":486.885,"confidence":0.99609375,"punctuated_word":"thing","sentiment":"negative","sentiment_score":-0.5271642208099365},{"word":"that","start":486.885,"end":487.205,"confidence":0.8413086,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4627363979816437},{"word":"can","start":487.205,"end":487.365,"confidence":0.72558594,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.4794040024280548},{"word":"happen","start":487.365,"end":487.685,"confidence":0.9980469,"punctuated_word":"happen","sentiment":"negative","sentiment_score":-0.4748372435569763},{"word":"is","start":487.685,"end":487.925,"confidence":0.9970703,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.6504603028297424},{"word":"move","start":487.925,"end":488.245,"confidence":0.97509766,"punctuated_word":"move","sentiment":"negative","sentiment_score":-0.5923402309417725},{"word":"all","start":488.245,"end":488.565,"confidence":0.98095703,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.5540873408317566},{"word":"super","start":488.565,"end":488.885,"confidence":0.9116211,"punctuated_word":"super","sentiment":"negative","sentiment_score":-0.5342183113098145},{"word":"funds","start":488.885,"end":489.045,"confidence":0.93115234,"punctuated_word":"funds","sentiment":"negative","sentiment_score":-0.4778636991977692},{"word":"over","start":489.045,"end":489.285,"confidence":0.96777344,"punctuated_word":"over","sentiment":"negative","sentiment_score":-0.5128318667411804},{"word":"and","start":489.285,"end":489.445,"confidence":0.98828125,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.6748347878456116},{"word":"cancel","start":489.445,"end":489.76498,"confidence":0.9980469,"punctuated_word":"cancel","sentiment":"negative","sentiment_score":-0.6632078886032104},{"word":"your","start":489.76498,"end":490.005,"confidence":0.99609375,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.6453152298927307},{"word":"existing","start":490.005,"end":490.405,"confidence":1.0,"punctuated_word":"existing","sentiment":"negative","sentiment_score":-0.6078174710273743},{"word":"insurances","start":490.405,"end":490.905,"confidence":0.9802246,"punctuated_word":"insurances","sentiment":"negative","sentiment_score":-0.5252071619033813},{"word":"so","start":490.965,"end":491.045,"confidence":0.9223633,"punctuated_word":"so","sentiment":"negative","sentiment_score":-0.5793504118919373},{"word":"that","start":491.045,"end":491.205,"confidence":0.9316406,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4488527774810791},{"word":"you're","start":491.205,"end":491.365,"confidence":0.79248047,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.511319100856781},{"word":"unsure","start":491.365,"end":491.76498,"confidence":0.6680908,"punctuated_word":"unsure.","sentiment":"negative","sentiment_score":-0.5470355749130249},{"word":"that's","start":491.76498,"end":492.005,"confidence":0.9807129,"punctuated_word":"That's","sentiment":"negative","sentiment_score":-0.5184310078620911},{"word":"what","start":492.005,"end":492.165,"confidence":0.4732666,"punctuated_word":"what,","sentiment":"negative","sentiment_score":-0.5524507761001587},{"word":"by","start":492.165,"end":492.405,"confidence":0.99902344,"punctuated_word":"by","sentiment":"negative","sentiment_score":-0.5856171250343323},{"word":"far","start":492.405,"end":492.905,"confidence":0.9824219,"punctuated_word":"far,","sentiment":"negative","sentiment_score":-0.5638790130615234},{"word":"the","start":493.045,"end":493.285,"confidence":0.9863281,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5465164184570312},{"word":"worst","start":493.285,"end":493.525,"confidence":0.9970703,"punctuated_word":"worst","sentiment":"negative","sentiment_score":-0.5535020232200623},{"word":"thing","start":493.525,"end":493.76498,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"negative","sentiment_score":-0.48494452238082886},{"word":"that","start":493.76498,"end":493.845,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4825562536716461},{"word":"can","start":493.845,"end":494.005,"confidence":0.9970703,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.4834151566028595},{"word":"happen","start":494.005,"end":494.325,"confidence":0.98046875,"punctuated_word":"happen.","sentiment":"negative","sentiment_score":-0.5031454563140869},{"word":"right","start":494.325,"end":494.485,"confidence":0.8762207,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.19143089652061465},{"word":"murphy's","start":494.485,"end":494.885,"confidence":0.8288574,"punctuated_word":"Murphy's","sentiment":"neutral","sentiment_score":-0.17998185753822327},{"word":"law","start":494.885,"end":495.125,"confidence":0.6672363,"punctuated_word":"law,","sentiment":"neutral","sentiment_score":-0.16196033358573914},{"word":"something","start":495.125,"end":495.365,"confidence":0.9921875,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.1508708894252777},{"word":"will","start":495.365,"end":495.525,"confidence":0.88671875,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.2614939212799072},{"word":"happen","start":495.525,"end":495.76498,"confidence":0.9921875,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.2650223672389984},{"word":"to","start":495.76498,"end":495.925,"confidence":0.8642578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2635730803012848},{"word":"you","start":495.925,"end":496.005,"confidence":0.732666,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.23085443675518036},{"word":"you're","start":496.005,"end":496.085,"confidence":0.8562012,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.22646424174308777},{"word":"not","start":496.085,"end":496.325,"confidence":0.984375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2201431095600128},{"word":"sure","start":496.325,"end":496.805,"confidence":0.7832031,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.232731431722641},{"word":"but","start":496.805,"end":496.965,"confidence":0.99609375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.21520213782787323},{"word":"the","start":496.965,"end":497.125,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.28827103972435},{"word":"second","start":497.125,"end":497.365,"confidence":0.9980469,"punctuated_word":"second","sentiment":"neutral","sentiment_score":-0.30575743317604065},{"word":"worst","start":497.365,"end":497.605,"confidence":0.98535156,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":-0.32310065627098083},{"word":"thing","start":497.605,"end":497.925,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.2921130657196045},{"word":"is","start":497.925,"end":498.425,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2937774062156677},{"word":"more","start":498.725,"end":499.125,"confidence":0.7519531,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.2710157632827759},{"word":"actually","start":499.525,"end":499.845,"confidence":0.6314697,"punctuated_word":"actually,","sentiment":"neutral","sentiment_score":-0.28626197576522827},{"word":"not","start":499.845,"end":500.005,"confidence":0.81933594,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.27235090732574463},{"word":"more","start":500.005,"end":500.245,"confidence":0.9970703,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.2722027897834778},{"word":"of","start":500.245,"end":500.405,"confidence":0.45751953,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2920147478580475},{"word":"them","start":500.405,"end":500.565,"confidence":0.5633545,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.26720258593559265},{"word":"but","start":500.565,"end":500.885,"confidence":0.4741211,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.20348267257213593},{"word":"sometimes","start":500.885,"end":501.385,"confidence":0.67285156,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.24047723412513733},{"word":"the","start":501.93,"end":502.05,"confidence":0.9453125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.30169352889060974},{"word":"we","start":502.17,"end":502.33002,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2684763967990875},{"word":"will","start":502.33002,"end":502.57,"confidence":0.9707031,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.32499802112579346},{"word":"close","start":502.57,"end":502.89,"confidence":0.9892578,"punctuated_word":"close","sentiment":"neutral","sentiment_score":-0.32082802057266235},{"word":"on","start":502.89,"end":503.05,"confidence":0.43847656,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2594112753868103},{"word":"the","start":503.05,"end":503.13,"confidence":0.8925781,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3287089169025421},{"word":"existing","start":503.13,"end":503.61002,"confidence":0.9892578,"punctuated_word":"existing","sentiment":"neutral","sentiment_score":-0.32292360067367554},{"word":"superfund","start":503.61002,"end":504.11002,"confidence":0.78841144,"punctuated_word":"Superfund,","sentiment":"neutral","sentiment_score":-0.29109740257263184},{"word":"move","start":504.25,"end":504.49,"confidence":0.9560547,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.3261432349681854},{"word":"your","start":504.49,"end":504.65,"confidence":0.93359375,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.3407015800476074},{"word":"funds","start":504.65,"end":504.89,"confidence":0.99609375,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.24603508412837985},{"word":"over","start":504.89,"end":505.05,"confidence":0.99121094,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.2474315315485001},{"word":"to","start":505.05,"end":505.37,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23262134194374084},{"word":"whichever","start":505.37,"end":505.69,"confidence":0.9941406,"punctuated_word":"whichever","sentiment":"neutral","sentiment_score":-0.22036924958229065},{"word":"funds","start":505.69,"end":506.01,"confidence":0.5727539,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.15950608253479004},{"word":"recommended","start":506.01,"end":506.51,"confidence":0.7416992,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":-0.12809216976165771},{"word":"for","start":506.57,"end":506.65002,"confidence":0.7709961,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1448182314634323},{"word":"a","start":506.65002,"end":506.73,"confidence":0.6040039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19363224506378177},{"word":"client","start":506.73,"end":507.23,"confidence":0.7607422,"punctuated_word":"client,","sentiment":"neutral","sentiment_score":-0.19135963916778564},{"word":"and","start":507.45,"end":507.61002,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2346143275499344},{"word":"then","start":507.61002,"end":507.93,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.2013545036315918},{"word":"the","start":507.93,"end":508.17,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2469538152217865},{"word":"employer","start":508.17,"end":508.67,"confidence":0.8178711,"punctuated_word":"employer,","sentiment":"neutral","sentiment_score":-0.2004077136516571},{"word":"even","start":508.81,"end":509.21,"confidence":0.9526367,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.21512651443481445},{"word":"after","start":509.21,"end":509.61002,"confidence":0.99902344,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.1814069896936417},{"word":"receiving","start":509.61002,"end":510.01,"confidence":0.984375,"punctuated_word":"receiving","sentiment":"neutral","sentiment_score":-0.20341825485229492},{"word":"that","start":510.01,"end":510.33002,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16141611337661743},{"word":"superdrugs","start":510.33002,"end":510.83002,"confidence":0.6611328,"punctuated_word":"Superdrugs","sentiment":"neutral","sentiment_score":-0.1121758222579956},{"word":"contribution","start":510.97,"end":511.47,"confidence":0.9873047,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":-0.03233111649751663},{"word":"form","start":511.53,"end":512.01,"confidence":0.9873047,"punctuated_word":"form","sentiment":"neutral","sentiment_score":-0.06321459263563156},{"word":"that","start":512.01,"end":512.25,"confidence":0.6904297,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.054350271821022034},{"word":"you","start":512.25,"end":512.41,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.019388720393180847},{"word":"filled","start":512.41,"end":512.65,"confidence":0.81152344,"punctuated_word":"filled","sentiment":"neutral","sentiment_score":-0.009079426527023315},{"word":"out","start":512.65,"end":512.81,"confidence":0.9560547,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.041089169681072235},{"word":"and","start":512.81,"end":513.05,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04089580476284027},{"word":"submitted","start":513.05,"end":513.55,"confidence":0.7512207,"punctuated_word":"submitted,","sentiment":"neutral","sentiment_score":-0.10088026523590088},{"word":"they","start":513.945,"end":514.10504,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.12095645815134048},{"word":"will","start":514.10504,"end":514.425,"confidence":0.99609375,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.13881570100784302},{"word":"receive","start":514.425,"end":514.66504,"confidence":0.9970703,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":-0.1278462111949921},{"word":"it","start":514.66504,"end":514.905,"confidence":0.73876953,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.16343113780021667},{"word":"they'll","start":514.905,"end":515.145,"confidence":0.9370117,"punctuated_word":"They'll","sentiment":"neutral","sentiment_score":-0.12542538344860077},{"word":"say","start":515.145,"end":515.385,"confidence":0.72021484,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.0880359336733818},{"word":"it","start":515.385,"end":515.42505,"confidence":0.67089844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0823541060090065},{"word":"they'll","start":515.465,"end":515.705,"confidence":0.67822266,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":-0.11813988536596298},{"word":"send","start":515.705,"end":515.945,"confidence":0.57421875,"punctuated_word":"send","sentiment":"neutral","sentiment_score":-0.10418630391359328},{"word":"you","start":515.945,"end":516.025,"confidence":0.43676758,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07986395061016083},{"word":"a","start":516.025,"end":516.10504,"confidence":0.29467773,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15617291629314425},{"word":"pay","start":516.10504,"end":516.265,"confidence":0.25219727,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.1098468229174614},{"word":"slip","start":516.265,"end":516.425,"confidence":0.81347656,"punctuated_word":"slip","sentiment":"neutral","sentiment_score":-0.10993702709674837},{"word":"that","start":516.425,"end":516.66504,"confidence":0.88964844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1100158989429474},{"word":"you're","start":516.66504,"end":516.825,"confidence":0.93359375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.13615188002586365},{"word":"paying","start":516.825,"end":517.065,"confidence":0.9902344,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.1149563193321228},{"word":"it","start":517.065,"end":517.145,"confidence":0.90527344,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.14740067720413208},{"word":"but","start":517.145,"end":517.385,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.15020513534545898},{"word":"if","start":517.385,"end":517.54504,"confidence":0.44604492,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2440927028656006},{"word":"they","start":517.54504,"end":517.705,"confidence":0.99121094,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2859121561050415},{"word":"just","start":517.705,"end":517.945,"confidence":0.9760742,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2762148380279541},{"word":"transfer","start":517.945,"end":518.265,"confidence":0.7792969,"punctuated_word":"transfer","sentiment":"negative","sentiment_score":-0.36824196577072144},{"word":"it","start":518.265,"end":518.585,"confidence":0.5625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.27820885181427},{"word":"because","start":518.585,"end":518.825,"confidence":0.92578125,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.3188393712043762},{"word":"of","start":518.825,"end":518.98505,"confidence":0.9980469,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4134138822555542},{"word":"administration","start":518.98505,"end":519.48505,"confidence":0.97802734,"punctuated_word":"administration","sentiment":"negative","sentiment_score":-0.42198464274406433},{"word":"errors","start":519.705,"end":520.205,"confidence":0.93408203,"punctuated_word":"errors,","sentiment":"negative","sentiment_score":-0.3741922080516815},{"word":"whatever","start":520.265,"end":520.585,"confidence":0.9970703,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":-0.2984299063682556},{"word":"it","start":520.585,"end":520.66504,"confidence":0.9838867,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.326054185628891},{"word":"might","start":520.66504,"end":520.905,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.24068741500377655},{"word":"be","start":520.905,"end":521.305,"confidence":0.9433594,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":-0.3239189386367798},{"word":"they","start":521.305,"end":521.465,"confidence":1.0,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.34163177013397217},{"word":"just","start":521.465,"end":521.705,"confidence":0.9941406,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.3627777397632599},{"word":"transfer","start":521.705,"end":522.10504,"confidence":0.9838867,"punctuated_word":"transfer","sentiment":"negative","sentiment_score":-0.47715914249420166},{"word":"it","start":522.10504,"end":522.265,"confidence":0.37036133,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3733071982860565},{"word":"straight","start":522.265,"end":522.425,"confidence":0.84228516,"punctuated_word":"straight","sentiment":"negative","sentiment_score":-0.47995880246162415},{"word":"into","start":522.425,"end":522.66504,"confidence":0.4807129,"punctuated_word":"into","sentiment":"negative","sentiment_score":-0.41465768218040466},{"word":"the","start":522.66504,"end":522.745,"confidence":0.9921875,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3811212182044983},{"word":"old","start":522.745,"end":522.98505,"confidence":0.9506836,"punctuated_word":"old","sentiment":"negative","sentiment_score":-0.3938843607902527},{"word":"time","start":522.98505,"end":523.22504,"confidence":0.6557617,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.281869113445282},{"word":"and","start":523.22504,"end":523.305,"confidence":0.55908203,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.15195578336715698},{"word":"what","start":523.305,"end":523.54504,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.16977304220199585},{"word":"happens","start":523.54504,"end":524.025,"confidence":0.7060547,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.1957700103521347},{"word":"is","start":524.025,"end":524.34503,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.15938077867031095},{"word":"they","start":524.34503,"end":524.505,"confidence":0.93115234,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.28669291734695435},{"word":"don't","start":524.505,"end":524.745,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.34831756353378296},{"word":"reject","start":524.745,"end":525.145,"confidence":0.9116211,"punctuated_word":"reject","sentiment":"negative","sentiment_score":-0.45247820019721985},{"word":"that","start":525.145,"end":525.385,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4451543092727661},{"word":"money","start":525.385,"end":525.54504,"confidence":1.0,"punctuated_word":"money","sentiment":"negative","sentiment_score":-0.3862669765949249},{"word":"because","start":525.54504,"end":525.78503,"confidence":0.91503906,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.32848823070526123},{"word":"you","start":525.78503,"end":525.865,"confidence":0.95703125,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4160126447677612},{"word":"don't","start":525.865,"end":526.10504,"confidence":0.9885254,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.4353960454463959},{"word":"have","start":526.10504,"end":526.265,"confidence":0.98291016,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.42981648445129395},{"word":"an","start":526.265,"end":526.425,"confidence":0.65478516,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.433415949344635},{"word":"account","start":526.425,"end":526.905,"confidence":0.99609375,"punctuated_word":"account.","sentiment":"negative","sentiment_score":-0.45404285192489624},{"word":"they","start":526.905,"end":527.145,"confidence":0.99902344,"punctuated_word":"They","sentiment":"negative","sentiment_score":-0.4533609449863434},{"word":"set","start":527.145,"end":527.385,"confidence":0.9873047,"punctuated_word":"set","sentiment":"negative","sentiment_score":-0.5088176727294922},{"word":"up","start":527.385,"end":527.54504,"confidence":0.99902344,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.48540371656417847},{"word":"a","start":527.54504,"end":527.625,"confidence":0.98095703,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5086116790771484},{"word":"whole","start":527.625,"end":527.865,"confidence":0.99609375,"punctuated_word":"whole","sentiment":"negative","sentiment_score":-0.49563902616500854},{"word":"new","start":527.865,"end":528.10504,"confidence":0.9921875,"punctuated_word":"new","sentiment":"negative","sentiment_score":-0.49387434124946594},{"word":"account","start":528.10504,"end":528.60504,"confidence":0.6542969,"punctuated_word":"account","sentiment":"negative","sentiment_score":-0.4710508584976196},{"word":"with","start":528.81995,"end":529.06,"confidence":0.9667969,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.39391687512397766},{"word":"the","start":529.06,"end":529.13995,"confidence":0.41796875,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3985480666160583},{"word":"all","start":529.13995,"end":529.38,"confidence":0.2919922,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.3165626525878906},{"word":"and","start":529.62,"end":529.77997,"confidence":0.9453125,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.36245355010032654},{"word":"they","start":529.77997,"end":529.94,"confidence":0.9790039,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.5070705413818359},{"word":"charge","start":529.94,"end":530.33997,"confidence":0.875,"punctuated_word":"charge","sentiment":"negative","sentiment_score":-0.48915159702301025},{"word":"all","start":530.33997,"end":530.5,"confidence":0.99609375,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.4983637928962707},{"word":"the","start":530.5,"end":530.66,"confidence":0.9902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5290172696113586},{"word":"fees","start":530.66,"end":530.89996,"confidence":0.9863281,"punctuated_word":"fees","sentiment":"negative","sentiment_score":-0.4655866026878357},{"word":"again","start":530.89996,"end":531.37994,"confidence":0.79003906,"punctuated_word":"again,","sentiment":"negative","sentiment_score":-0.4045167565345764},{"word":"and","start":531.37994,"end":531.87994,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.30533331632614136},{"word":"it's","start":532.42,"end":532.74,"confidence":0.9951172,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.3174484372138977},{"word":"it's","start":532.74,"end":532.93994,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.3018520474433899},{"word":"yeah","start":533.13995,"end":533.45996,"confidence":0.91918945,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.27401483058929443},{"word":"it's","start":533.45996,"end":533.54,"confidence":0.9970703,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.4083814322948456},{"word":"not","start":533.54,"end":533.86,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.381527841091156},{"word":"not","start":533.86,"end":534.1,"confidence":0.9980469,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.5339345932006836},{"word":"the","start":534.1,"end":534.25995,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5497472882270813},{"word":"best","start":534.25995,"end":534.57996,"confidence":0.99902344,"punctuated_word":"best","sentiment":"negative","sentiment_score":-0.4956103265285492},{"word":"outcome","start":534.57996,"end":535.07996,"confidence":0.8754883,"punctuated_word":"outcome.","sentiment":"negative","sentiment_score":-0.4903610348701477},{"word":"but","start":535.13995,"end":535.37994,"confidence":0.76416016,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.09505899250507356},{"word":"look","start":535.37994,"end":535.62,"confidence":0.93725586,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":-0.048032455146312714},{"word":"we've","start":535.62,"end":535.77997,"confidence":0.9104004,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.1734708994626999},{"word":"dealt","start":535.77997,"end":536.1,"confidence":0.9970703,"punctuated_word":"dealt","sentiment":"negative","sentiment_score":-0.3659159243106842},{"word":"with","start":536.1,"end":536.25995,"confidence":0.97802734,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.4147097170352936},{"word":"it","start":536.25995,"end":536.42,"confidence":0.9863281,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4242202639579773},{"word":"before","start":536.42,"end":536.89996,"confidence":0.826416,"punctuated_word":"before,","sentiment":"negative","sentiment_score":-0.3457295894622803},{"word":"so","start":536.89996,"end":537.39996,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.3012239933013916},{"word":"we'll","start":537.54,"end":537.86,"confidence":0.9909668,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.2585716247558594},{"word":"deal","start":537.86,"end":538.01996,"confidence":1.0,"punctuated_word":"deal","sentiment":"negative","sentiment_score":-0.3593534827232361},{"word":"with","start":538.01996,"end":538.18,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.32335928082466125},{"word":"it","start":538.18,"end":538.33997,"confidence":0.9902344,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.341534823179245},{"word":"again","start":538.33997,"end":538.66,"confidence":0.8078613,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.26132112741470337},{"word":"i'm","start":538.66,"end":538.89996,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.12854711711406708},{"word":"sure","start":538.89996,"end":539.39996,"confidence":0.9807129,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.11558664590120316},{"word":"but","start":539.62,"end":540.01996,"confidence":0.8334961,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.020017895847558975},{"word":"yeah","start":540.01996,"end":540.33997,"confidence":0.8876953,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.030256617814302444},{"word":"look","start":540.33997,"end":540.5,"confidence":0.8562012,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.04420754313468933},{"word":"we've","start":540.5,"end":540.74,"confidence":0.921875,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.061284344643354416},{"word":"we've","start":540.74,"end":540.98,"confidence":0.9428711,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.07739292085170746},{"word":"been","start":540.98,"end":541.22,"confidence":0.9838867,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.09890808165073396},{"word":"pretty","start":541.22,"end":541.54,"confidence":0.9970703,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.09392169117927553},{"word":"pretty","start":541.54,"end":541.69995,"confidence":0.8964844,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.0677822083234787},{"word":"we're","start":541.86,"end":542.1,"confidence":0.9951172,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.0915660485625267},{"word":"pretty","start":542.1,"end":542.33997,"confidence":0.9790039,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.10244570672512054},{"word":"diligent","start":542.33997,"end":542.81995,"confidence":0.9902344,"punctuated_word":"diligent","sentiment":"neutral","sentiment_score":0.06499221175909042},{"word":"when","start":542.81995,"end":543.06,"confidence":0.97509766,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1130308210849762},{"word":"it","start":543.06,"end":543.13995,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10553699731826782},{"word":"comes","start":543.13995,"end":543.37994,"confidence":0.9980469,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.09429385513067244},{"word":"to","start":543.37994,"end":543.54,"confidence":0.9560547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13650721311569214},{"word":"this","start":543.54,"end":543.69995,"confidence":0.8051758,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10803717374801636},{"word":"stuff","start":543.69995,"end":544.005,"confidence":0.9736328,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":0.0995011180639267},{"word":"we've","start":544.085,"end":544.245,"confidence":0.9785156,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.1887983530759811},{"word":"been","start":544.245,"end":544.405,"confidence":0.9604492,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.2135848104953766},{"word":"doing","start":544.405,"end":544.905,"confidence":0.9838867,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.4366791546344757},{"word":"it","start":547.28503,"end":547.78503,"confidence":0.9248047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20941294729709625},{"word":"for","start":550.165,"end":550.665,"confidence":0.9667969,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.037441469728946686},{"word":"a","start":551.84503,"end":551.885,"confidence":0.92333984,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05088480934500694},{"word":"long","start":551.885,"end":551.925,"confidence":0.9941406,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.05482687428593635},{"word":"time","start":551.925,"end":552.085,"confidence":0.9980469,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.04350396245718002},{"word":"either","start":552.085,"end":552.485,"confidence":0.46118164,"punctuated_word":"Either","sentiment":"neutral","sentiment_score":0.01787460595369339},{"word":"or","start":552.485,"end":552.725,"confidence":0.4970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01943604461848736},{"word":"info","start":552.805,"end":553.205,"confidence":0.37780762,"punctuated_word":"info.","sentiment":"neutral","sentiment_score":0.03298985958099365},{"word":"yeah","start":553.205,"end":553.525,"confidence":0.9633789,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12794306874275208},{"word":"maddie","start":553.525,"end":554.005,"confidence":0.8149414,"punctuated_word":"Maddie,","sentiment":"neutral","sentiment_score":0.10422490537166595},{"word":"myself","start":554.005,"end":554.505,"confidence":0.7512207,"punctuated_word":"myself,","sentiment":"neutral","sentiment_score":0.1521071493625641},{"word":"info","start":555.125,"end":555.525,"confidence":0.9604492,"punctuated_word":"info","sentiment":"neutral","sentiment_score":0.20072633028030396},{"word":"is","start":555.525,"end":555.605,"confidence":0.77685547,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12996913492679596},{"word":"a","start":555.605,"end":555.685,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16010181605815887},{"word":"good","start":555.685,"end":555.925,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.21505743265151975},{"word":"one","start":555.925,"end":556.405,"confidence":0.99365234,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.12470516562461852},{"word":"info","start":556.405,"end":556.905,"confidence":0.80615234,"punctuated_word":"Info,","sentiment":"neutral","sentiment_score":0.05781807750463486},{"word":"like","start":556.965,"end":557.365,"confidence":0.87475586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06334424763917923},{"word":"info","start":557.365,"end":557.865,"confidence":0.72766113,"punctuated_word":"INFO","sentiment":"neutral","sentiment_score":0.06638951599597931},{"word":"as","start":558.085,"end":558.325,"confidence":0.49658203,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.030571257695555687},{"word":"of","start":558.325,"end":558.565,"confidence":0.39746094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0362766906619072},{"word":"three","start":558.565,"end":558.725,"confidence":0.49609375,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.02975730039179325},{"word":"financial","start":558.725,"end":559.225,"confidence":0.7998047,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.032224081456661224},{"word":"but","start":559.53,"end":559.69,"confidence":0.9951172,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.024597497656941417},{"word":"look","start":559.69,"end":559.93005,"confidence":0.5749512,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.031892403960227966},{"word":"just","start":559.93005,"end":560.09,"confidence":0.98828125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0446280762553215},{"word":"just","start":560.09,"end":560.49005,"confidence":0.97265625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03668053448200226},{"word":"if","start":560.65,"end":560.81006,"confidence":0.76953125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.047016486525535583},{"word":"you","start":560.81006,"end":561.05005,"confidence":0.96435547,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04110706225037575},{"word":"just","start":561.05005,"end":561.21,"confidence":0.87597656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03943239152431488},{"word":"send","start":561.21,"end":561.45,"confidence":0.99609375,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.0335436686873436},{"word":"it","start":561.45,"end":561.53,"confidence":0.9165039,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03606550395488739},{"word":"straight","start":561.53,"end":561.85004,"confidence":1.0,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":0.03782425820827484},{"word":"to","start":561.85004,"end":561.93005,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03861261531710625},{"word":"me","start":561.93005,"end":562.33,"confidence":0.9885254,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.043952576816082},{"word":"i'll","start":562.33,"end":562.65,"confidence":0.9255371,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.04158497601747513},{"word":"make","start":562.65,"end":562.81006,"confidence":0.6826172,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.04191891849040985},{"word":"sure","start":562.81006,"end":563.05005,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.05115348845720291},{"word":"that","start":563.05005,"end":563.29004,"confidence":0.9863281,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06729010492563248},{"word":"it","start":563.29004,"end":563.37006,"confidence":0.93847656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06174555420875549},{"word":"gets","start":563.37006,"end":563.61005,"confidence":0.9892578,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.05262818932533264},{"word":"done","start":563.61005,"end":564.11005,"confidence":0.88134766,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.05203073099255562},{"word":"so","start":569.93005,"end":570.43005,"confidence":0.25439453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05425536632537842},{"word":"yep","start":570.81006,"end":571.21,"confidence":0.95458984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0692969411611557},{"word":"yeah","start":571.21,"end":571.53,"confidence":0.97021484,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08389478921890259},{"word":"yep","start":571.53,"end":571.905,"confidence":0.8876953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08151759207248688},{"word":"join","start":572.065,"end":572.30505,"confidence":0.7963867,"punctuated_word":"Join","sentiment":"neutral","sentiment_score":0.08328060060739517},{"word":"forces","start":572.30505,"end":572.78503,"confidence":0.75097656,"punctuated_word":"forces.","sentiment":"neutral","sentiment_score":0.1246473640203476},{"word":"we'll","start":572.78503,"end":572.945,"confidence":0.9680176,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.18684637546539307},{"word":"make","start":572.945,"end":573.10504,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2139688581228256},{"word":"it","start":573.10504,"end":573.265,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22230090200901031},{"word":"happen","start":573.265,"end":573.585,"confidence":0.9655762,"punctuated_word":"happen.","sentiment":"neutral","sentiment_score":0.113859124481678},{"word":"sorry","start":573.585,"end":573.74506,"confidence":0.8276367,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.005620736628770828},{"word":"i'm","start":573.74506,"end":573.905,"confidence":0.98168945,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.007452957332134247},{"word":"just","start":573.905,"end":574.145,"confidence":0.90283203,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.018131129443645477},{"word":"trying","start":574.145,"end":574.465,"confidence":0.32788086,"punctuated_word":"trying.","sentiment":"neutral","sentiment_score":-0.02895938977599144},{"word":"i'm","start":574.465,"end":574.625,"confidence":0.95751953,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.016610220074653625},{"word":"a","start":574.625,"end":574.705,"confidence":0.97314453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0044338032603263855},{"word":"boy","start":574.705,"end":575.025,"confidence":0.97265625,"punctuated_word":"boy.","sentiment":"neutral","sentiment_score":-0.020095035433769223},{"word":"i","start":575.025,"end":575.10504,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01881779544055462},{"word":"can","start":575.10504,"end":575.265,"confidence":0.8671875,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.029948770999908447},{"word":"only","start":575.265,"end":575.505,"confidence":0.9921875,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.023472260683774948},{"word":"do","start":575.505,"end":575.66504,"confidence":0.9892578,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.009223591536283491},{"word":"one","start":575.66504,"end":575.825,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.011514738202095032},{"word":"thing","start":575.825,"end":576.065,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.006954524666070938},{"word":"at","start":576.065,"end":576.145,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.023664969950914383},{"word":"a","start":576.145,"end":576.30505,"confidence":0.9716797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008793314918875694},{"word":"time","start":576.30505,"end":576.78503,"confidence":0.99853516,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.0011747349053621292},{"word":"it's","start":576.78503,"end":577.025,"confidence":0.9970703,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.007400463335216045},{"word":"a","start":577.025,"end":577.18506,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.013033715076744556},{"word":"benefit","start":577.18506,"end":577.585,"confidence":0.9941406,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.013852512463927267},{"word":"and","start":577.585,"end":577.74506,"confidence":0.796875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0020151175558567047},{"word":"a","start":577.74506,"end":577.825,"confidence":0.4650879,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.011008464731276035},{"word":"curse","start":577.825,"end":578.145,"confidence":0.9482422,"punctuated_word":"curse","sentiment":"neutral","sentiment_score":-0.01320568099617958},{"word":"sometimes","start":578.145,"end":578.625,"confidence":0.7207031,"punctuated_word":"sometimes,","sentiment":"neutral","sentiment_score":0.00565493106842041},{"word":"but","start":578.625,"end":579.10504,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.021249031648039814},{"word":"submitted","start":579.10504,"end":579.60504,"confidence":0.86572266,"punctuated_word":"submitted","sentiment":"neutral","sentiment_score":0.02771555259823799},{"word":"super","start":579.825,"end":580.30505,"confidence":0.71484375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.051296718418598175},{"word":"choice","start":580.30505,"end":580.80505,"confidence":0.8925781,"punctuated_word":"choice","sentiment":"neutral","sentiment_score":0.04957216233015061},{"word":"nomination","start":581.505,"end":582.005,"confidence":0.5751953,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":0.04446207359433174},{"word":"form","start":582.945,"end":583.445,"confidence":0.8803711,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.041468314826488495},{"word":"and","start":583.505,"end":583.825,"confidence":0.94970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.026431234553456303},{"word":"change","start":583.825,"end":584.325,"confidence":0.58203125,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.02634544111788273},{"word":"on","start":584.86505,"end":585.265,"confidence":0.80615234,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.026483241468667984},{"word":"a","start":585.265,"end":585.585,"confidence":0.24951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026551097631454468},{"word":"work","start":585.585,"end":586.085,"confidence":0.1998291,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.01732153631746769},{"word":"already","start":586.385,"end":586.885,"confidence":0.723999,"punctuated_word":"already.","sentiment":"neutral","sentiment_score":0.019382448866963387},{"word":"just","start":588.36,"end":588.86,"confidence":0.99316406,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.02645611017942429},{"word":"waiting","start":589.24,"end":589.74,"confidence":0.98095703,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.03372710198163986},{"word":"to","start":590.12,"end":590.36,"confidence":0.91748047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03216477856040001},{"word":"receive","start":590.36,"end":590.86,"confidence":0.7675781,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.01823672652244568},{"word":"under","start":591.88,"end":592.28,"confidence":0.39379883,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.030619235709309574},{"word":"the","start":592.28,"end":592.36,"confidence":0.7451172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026919998228549957},{"word":"top","start":592.36,"end":592.52,"confidence":0.85058594,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.034097783267498016},{"word":"of","start":592.52,"end":592.6,"confidence":0.63720703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028425658121705055},{"word":"payroll","start":592.6,"end":593.1,"confidence":0.7644043,"punctuated_word":"payroll.","sentiment":"neutral","sentiment_score":0.013788197189569472},{"word":"super","start":594.52,"end":595.02,"confidence":0.93115234,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.16414465010166168},{"word":"contribution","start":595.08,"end":595.58,"confidence":0.6032715,"punctuated_word":"contribution.","sentiment":"neutral","sentiment_score":0.06719501316547394},{"word":"how","start":597.0,"end":597.24,"confidence":0.3310547,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.05963953211903572},{"word":"to","start":597.24,"end":597.4,"confidence":0.3552246,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04490974545478821},{"word":"buy","start":597.4,"end":597.9,"confidence":0.6867676,"punctuated_word":"buy.","sentiment":"neutral","sentiment_score":0.08135294169187546},{"word":"beautiful","start":598.76,"end":599.26,"confidence":0.9970703,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3566662073135376},{"word":"yeah","start":600.375,"end":600.53503,"confidence":0.99121094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13371896743774414},{"word":"look","start":600.53503,"end":600.775,"confidence":0.7883301,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.14153873920440674},{"word":"that's","start":600.775,"end":601.015,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13069869577884674},{"word":"pretty","start":601.015,"end":601.17505,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.10312698036432266},{"word":"much","start":601.17505,"end":601.41504,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.11299698054790495},{"word":"everything","start":601.41504,"end":601.73505,"confidence":0.99365234,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.0997266173362732},{"word":"so","start":601.73505,"end":601.895,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08549614250659943},{"word":"we're","start":601.895,"end":602.055,"confidence":0.9975586,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.08596013486385345},{"word":"gonna","start":602.055,"end":602.375,"confidence":0.98828125,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.09594005346298218},{"word":"submit","start":602.375,"end":602.695,"confidence":0.9980469,"punctuated_word":"submit","sentiment":"neutral","sentiment_score":0.07338598370552063},{"word":"that","start":602.695,"end":603.09503,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08425049483776093},{"word":"take","start":603.09503,"end":603.335,"confidence":0.6635742,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.0740174949169159},{"word":"over","start":603.335,"end":603.575,"confidence":0.8745117,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.06118346378207207},{"word":"terms","start":603.575,"end":603.895,"confidence":0.8730469,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.05267225205898285},{"word":"application","start":603.895,"end":604.395,"confidence":0.6279297,"punctuated_word":"application.","sentiment":"neutral","sentiment_score":0.062367916107177734},{"word":"once","start":605.895,"end":606.215,"confidence":0.9770508,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.059101901948452},{"word":"we","start":606.215,"end":606.455,"confidence":0.984375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07093174010515213},{"word":"go","start":606.455,"end":606.695,"confidence":0.9873047,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09063445031642914},{"word":"through","start":606.695,"end":606.85504,"confidence":0.99316406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07368488609790802},{"word":"that","start":606.85504,"end":607.35504,"confidence":0.96118164,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.07563535869121552},{"word":"when","start":607.895,"end":608.215,"confidence":0.81152344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.06089303642511368},{"word":"we","start":608.215,"end":608.375,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0699894055724144},{"word":"you","start":608.53503,"end":608.615,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06459493935108185},{"word":"know","start":608.615,"end":609.015,"confidence":0.99560547,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07102283835411072},{"word":"you","start":609.015,"end":609.17505,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0790877640247345},{"word":"just","start":609.17505,"end":609.335,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06877346336841583},{"word":"let","start":609.335,"end":609.575,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.08510692417621613},{"word":"us","start":609.575,"end":609.73505,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.07536659389734268},{"word":"know","start":609.73505,"end":609.97504,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.07649675011634827},{"word":"when","start":609.97504,"end":610.135,"confidence":0.9838867,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05438880622386933},{"word":"you","start":610.135,"end":610.29504,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06049646437168121},{"word":"receive","start":610.29504,"end":610.695,"confidence":0.5908203,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.041771844029426575},{"word":"the","start":610.695,"end":610.935,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06081546097993851},{"word":"when","start":611.335,"end":611.575,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.048072449862957},{"word":"you've","start":611.575,"end":611.815,"confidence":0.9580078,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.05034966021776199},{"word":"received","start":611.815,"end":612.29504,"confidence":0.95703125,"punctuated_word":"received","sentiment":"neutral","sentiment_score":0.03972235694527626},{"word":"that","start":612.29504,"end":612.63,"confidence":0.9658203,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07240036875009537},{"word":"pay","start":612.87,"end":613.11,"confidence":0.7158203,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.045928340405225754},{"word":"or","start":613.11,"end":613.35,"confidence":0.60595703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.040325991809368134},{"word":"we'll","start":613.35,"end":613.59,"confidence":0.9855957,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.07285862416028976},{"word":"find","start":613.59,"end":613.83,"confidence":0.99902344,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.07441052049398422},{"word":"it","start":613.83,"end":613.99,"confidence":0.93847656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06838255375623703},{"word":"first","start":613.99,"end":614.31,"confidence":0.71118164,"punctuated_word":"first.","sentiment":"neutral","sentiment_score":0.05696015805006027},{"word":"either","start":614.31,"end":614.55,"confidence":0.9819336,"punctuated_word":"Either","sentiment":"neutral","sentiment_score":0.034331079572439194},{"word":"or","start":614.55,"end":614.95,"confidence":0.7753906,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.019218044355511665},{"word":"i'll","start":614.95,"end":615.11,"confidence":0.83374023,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.03926894813776016},{"word":"erase","start":615.11,"end":615.43,"confidence":0.38061523,"punctuated_word":"erase","sentiment":"neutral","sentiment_score":0.05448237061500549},{"word":"you","start":615.43,"end":615.59,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.021413400769233704},{"word":"to","start":615.59,"end":615.91003,"confidence":0.57666016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009242191910743712},{"word":"emails","start":615.91003,"end":616.31,"confidence":0.9633789,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.00914498046040535},{"word":"and","start":616.31,"end":616.47003,"confidence":0.7011719,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0050645433366298676},{"word":"try","start":616.47003,"end":616.63,"confidence":0.70214844,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.0234980508685112},{"word":"the","start":616.63,"end":616.79,"confidence":0.55078125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04168117791414261},{"word":"best","start":616.79,"end":617.29,"confidence":0.81591797,"punctuated_word":"best.","sentiment":"neutral","sentiment_score":0.029400959610939022},{"word":"okay","start":617.75,"end":618.25,"confidence":0.5699463,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.05269695073366165},{"word":"and","start":618.55,"end":619.05,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05018635466694832},{"word":"once","start":619.59,"end":619.99,"confidence":0.81152344,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.04589734971523285},{"word":"the","start":619.99,"end":620.07,"confidence":0.6479492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05335996299982071},{"word":"take","start":620.15,"end":620.39,"confidence":0.5024414,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.0532691590487957},{"word":"a","start":620.39,"end":620.47003,"confidence":0.24194336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05780550092458725},{"word":"chance","start":620.47003,"end":620.63,"confidence":0.29882812,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":0.05522377789020538},{"word":"to","start":620.63,"end":620.79,"confidence":0.6044922,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05745667219161987},{"word":"get","start":620.79,"end":620.95,"confidence":0.8911133,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.04765928536653519},{"word":"approved","start":620.95,"end":621.27,"confidence":0.9863281,"punctuated_word":"approved","sentiment":"neutral","sentiment_score":0.046890996396541595},{"word":"and","start":621.27,"end":621.43,"confidence":0.84814453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.044169314205646515},{"word":"move","start":621.43,"end":621.67,"confidence":0.6308594,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.06617243587970734},{"word":"down","start":621.67,"end":621.83,"confidence":0.43078613,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.053815439343452454},{"word":"but","start":621.83,"end":621.99,"confidence":0.37768555,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05122266709804535},{"word":"what","start":621.99,"end":622.15,"confidence":0.7607422,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.054660648107528687},{"word":"we'll","start":622.15,"end":622.31,"confidence":0.8125,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.06139233708381653},{"word":"do","start":622.31,"end":622.39,"confidence":0.98535156,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06874547153711319},{"word":"is","start":622.39,"end":622.55,"confidence":0.8183594,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06808855384588242},{"word":"just","start":622.55,"end":622.71,"confidence":0.9526367,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08485864102840424},{"word":"we","start":622.79,"end":622.87,"confidence":0.43286133,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10447753965854643},{"word":"will","start":622.87,"end":623.03,"confidence":0.78759766,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.10810613632202148},{"word":"keep","start":623.03,"end":623.27,"confidence":0.9951172,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.10297702252864838},{"word":"you","start":623.27,"end":623.35,"confidence":0.8232422,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09982344508171082},{"word":"updated","start":623.35,"end":623.75,"confidence":0.7927246,"punctuated_word":"updated.","sentiment":"neutral","sentiment_score":0.08962197601795197},{"word":"we'll","start":623.75,"end":623.99,"confidence":0.92041016,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.1024322658777237},{"word":"let","start":623.99,"end":624.11,"confidence":0.98828125,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.09511925280094148},{"word":"you","start":624.11,"end":624.23,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08334412425756454},{"word":"know","start":624.23,"end":624.47003,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.09170722216367722},{"word":"pretty","start":624.47003,"end":624.63,"confidence":0.9350586,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.08281286805868149},{"word":"much","start":624.63,"end":624.79,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.08336927741765976},{"word":"when","start":624.79,"end":624.95,"confidence":0.9873047,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0691971480846405},{"word":"the","start":624.95,"end":625.03,"confidence":0.96240234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0654396265745163},{"word":"strategy","start":625.03,"end":625.43,"confidence":0.9248047,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.06622401624917984},{"word":"is","start":625.43,"end":625.51,"confidence":0.62158203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0658039003610611},{"word":"completed","start":625.51,"end":626.01,"confidence":0.99560547,"punctuated_word":"completed.","sentiment":"neutral","sentiment_score":0.06571733951568604},{"word":"perfect","start":628.445,"end":628.765,"confidence":0.8857422,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5291949510574341},{"word":"how's","start":628.765,"end":629.165,"confidence":0.93969727,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.29081636667251587},{"word":"everything","start":629.165,"end":629.485,"confidence":0.99316406,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.3089827299118042},{"word":"been","start":629.485,"end":629.725,"confidence":0.70654297,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.2677662968635559},{"word":"so","start":629.725,"end":629.885,"confidence":0.96875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.23519892990589145},{"word":"far","start":629.885,"end":630.205,"confidence":0.9797363,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.23327553272247312},{"word":"nice","start":630.205,"end":630.445,"confidence":0.40722656,"punctuated_word":"Nice","sentiment":"positive","sentiment_score":0.4224778711795807},{"word":"and","start":630.445,"end":630.605,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3085130453109741},{"word":"easy","start":630.605,"end":631.105,"confidence":0.74523926,"punctuated_word":"easy?","sentiment":"positive","sentiment_score":0.36941367387771606},{"word":"or","start":634.285,"end":634.785,"confidence":0.9404297,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.008603138849139214},{"word":"yeah","start":637.565,"end":637.805,"confidence":0.54959106,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22857411205768585},{"word":"nice","start":637.805,"end":638.305,"confidence":0.5881958,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.47372812032699585},{"word":"beautiful","start":639.27,"end":639.77,"confidence":0.81689453,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5380652546882629},{"word":"it's","start":639.83,"end":640.15,"confidence":0.89819336,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.30907905101776123},{"word":"yeah","start":640.31006,"end":640.55005,"confidence":0.9902344,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.290128618478775},{"word":"there's","start":640.55005,"end":640.79004,"confidence":0.9941406,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.2493517100811005},{"word":"a","start":640.79004,"end":640.87006,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24895407259464264},{"word":"lot","start":640.87006,"end":641.03,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.21834564208984375},{"word":"of","start":641.03,"end":641.11005,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22631984949111936},{"word":"movements","start":641.11005,"end":641.51,"confidence":0.86328125,"punctuated_word":"movements","sentiment":"neutral","sentiment_score":0.24940359592437744},{"word":"and","start":641.51,"end":641.63,"confidence":0.47753906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2053235024213791},{"word":"i","start":641.63,"end":641.75,"confidence":0.5180664,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20428647100925448},{"word":"just","start":641.75,"end":641.99005,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21710579097270968},{"word":"wanna","start":641.99005,"end":642.39,"confidence":0.9741211,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2505621314048767},{"word":"make","start":642.39,"end":642.63,"confidence":0.9970703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.22445765137672424},{"word":"sure","start":642.63,"end":642.87006,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2795197069644928},{"word":"that","start":642.87006,"end":643.03,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31679967045783997},{"word":"you're","start":643.03,"end":643.27,"confidence":0.9711914,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.29033684730529785},{"word":"comfortable","start":643.27,"end":643.59,"confidence":0.95166016,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.2573723793029785},{"word":"and","start":643.59,"end":643.75,"confidence":0.52490234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30944812297821045},{"word":"know","start":643.75,"end":643.91003,"confidence":0.7607422,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.3134976923465729},{"word":"what's","start":643.91003,"end":644.07,"confidence":0.99365234,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.29668378829956055},{"word":"going","start":644.07,"end":644.31006,"confidence":0.9980469,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.26129579544067383},{"word":"on","start":644.31006,"end":644.81006,"confidence":0.6977539,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.23555231094360352},{"word":"beautiful","start":646.7769,"end":647.2769,"confidence":0.75512695,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.2523304522037506},{"word":"alright","start":647.41693,"end":647.73694,"confidence":0.9082031,"punctuated_word":"Alright,","sentiment":"positive","sentiment_score":0.4863766133785248},{"word":"paul","start":647.73694,"end":648.05695,"confidence":0.77368164,"punctuated_word":"Paul.","sentiment":"positive","sentiment_score":0.4092811346054077},{"word":"cameron","start":648.05695,"end":648.3769,"confidence":0.67785645,"punctuated_word":"Cameron,","sentiment":"positive","sentiment_score":0.5380721688270569},{"word":"you","start":648.3769,"end":648.5369,"confidence":0.9873047,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7568151950836182},{"word":"enjoy","start":648.5369,"end":648.7769,"confidence":0.9941406,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.7908426523208618},{"word":"the","start":648.7769,"end":648.85693,"confidence":0.9941406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.8146832585334778},{"word":"rest","start":648.85693,"end":648.93695,"confidence":0.99902344,"punctuated_word":"rest","sentiment":"positive","sentiment_score":0.8003334999084473},{"word":"of","start":648.93695,"end":649.0169,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.016648881137371063},{"word":"your","start":649.0169,"end":649.0969,"confidence":0.62890625,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7935444712638855},{"word":"day","start":649.0969,"end":649.2569,"confidence":0.91430664,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.6759192943572998},{"word":"alright","start":649.2569,"end":649.49695,"confidence":0.53601074,"punctuated_word":"Alright?","sentiment":"neutral","sentiment_score":0.21064814925193787},{"word":"i'll","start":649.49695,"end":649.5769,"confidence":0.95947266,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.26653072237968445},{"word":"speak","start":649.5769,"end":649.8169,"confidence":0.75634766,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.28731152415275574},{"word":"to","start":649.8169,"end":649.9769,"confidence":0.97509766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27916136384010315},{"word":"you","start":649.9769,"end":650.05695,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3245745599269867},{"word":"soon","start":650.05695,"end":650.55695,"confidence":0.9980469,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":0.266402006149292},{"word":"see","start":652.4569,"end":652.61694,"confidence":0.70410156,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.5741096138954163},{"word":"you","start":652.61694,"end":652.85693,"confidence":0.99121094,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6211512684822083},{"word":"bye","start":652.85693,"end":653.35693,"confidence":0.9902344,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.31881630420684814}],"paragraphs":{"transcript":"\nEmma, Chevy Todd giving you a call from IP Financial. How are you? I am very well. Thank you for asking. I apologize for being three minutes late.\n\nI had skid kid's school drop off. So traffic is just getting worse and worse by the second. It's crazy. Yeah. And you probably understand I'm I'm in Mary Mac.\n\nSo you're just around the corner. But, Yeah. It's crazy. So it's like, it's just I don't know where all the humans just came from. It's it's unbelievable.\n\nI don't know how they're asking them. Anyway, I'm just giving you a quick call regarding your six transfer terms eligibility questionnaire. So do you have time now? Or beautiful. Are you currently off work or unable to perform the full and normal duties of the occupation on a full time basis or at least for thirty hours per week at the moment?\n\nYeah. That's fine. That's the that knows the answer you want, but but just answer them honestly as honest as you can. Alright? Yeah.\n\nSo are you currently off work, which in March, because we've been we spoke before? Yep. So are you currently off work or unable to perform the full and normal duties of the occupation? Answer is no. Alright?\n\nBeautiful. Yeah. No. Correct. So answer the exact question, please.\n\nI'll be that'll be very beneficial for all of us. It's honestly and truthfully no. That's alright. Did you want me to call back after you've had a coffee? Or okay.\n\nBeautiful. So so question two, have you in the last twelve months been absent from work or unable to fully perform your duties of your usual occupation, whether employed or unemployed, or your unpaid domestic duties if you are unemployed or sole occupation director due to illness or injury. So you weren't working because of maternity leave, but it wasn't because of injury or illness. Right? Perfect.\n\nSo have you been diagnosed or do you suffer from an illness that may cause permanent inability to work or because of a terminal illness? Beautiful. Have you ever had an insurance application for death only, death and total permanent disability, or terminal illness, or income protection cover ever be refused? The answer is no because we withdraw your previous app. Right?\n\nSo you've never had a decline. Beautiful. Have you ever been paid or eligible to be paid? You're currently in the process of submitting a claim for any sort of insurance or workers' comp. Beautiful.\n\nLast question. Have you ever had an insurance application for death, death, and total permanent disability, terminal illness, or income protection cover? Have it been modified or opted on nonstandard terms in regards to medical or other conditions? The answer is no because we haven't submitted that first application. Okay.\n\nThat's it. No. No. So so let me just reiterate why I know you're kind of in a in a in a rush before. So let's just go through it again.\n\nSo when we went through the insurance application, we we submitted that with the insurer that we recommended, but that goes to what's called an underwriter. The underwriter for a comprehensive insurance cover, they assess your risk and work with the actuaries to work out what that monetary value of that risk is. K? That's how you get the insurance premium. Now with your situation, because of the personal depression and the the exclusions and the loadings, when you get a number that does build up depending on your health and age and stage in life.\n\nRight? So because of the the concerns with the bilateral knee excursion, things like that, that's as well as the mental health excursion because of your postnatal depression, which was within the last year and a half probably. Right? That means that there's a mental health exclusion, but there's also two knee exclusions. Right?\n\nSo that's three exclusions in total. If there's three exclusions in total, then it's more than likely too much risk for an insurer to provide you insurance, which is called a decline. Okay? Now we don't want that to happen, and we wanna withdraw the application before you actually get that formal letter. Okay?\n\nBecause that's just inquiring. That's not actually going through with the process. Alright? So what we need to do now is we don't want the decline. We won't be able to get covered as adequate for you and your family.\n\nSo what's the what can we do about? Well, how do we get your super consolidated into one place to get it working harder for you, but at the same time, make sure that you got insurance covered. If not enough, at least some. Right? And that means that we can do what's called takeover terms, which is Hub 24.\n\nSo Hub 24, the product that we're recommending, actually does what's called takeover terms, where you answer these six questions and we can they can literally take over the terms of the policy that you hold in group cover, which is currently with your current super fund. And then what we can do is just literally move them over, and they're gonna be owned under the platform of Upstream for instead of the existing super fund. Under the condition that you answer now to all six questions, which you have? Correct. Correct.\n\nSo just right now, I wanna consolidate your funds to, you know, snowball effect compounding returns a beautiful thing. I want don't want two super funds, portion portions in each. I would like to have the it's called a retention strategy where you have the majority of your funds in one place that's working hard and getting better return, tracking for retirement, but then you leave a minimum amount in the previous one. And most most of the most of the time, we do that for, like, government employees, like, doctors where you've got into what's called an EBA, an enterprise bargaining arrangement, where you aren't allowed to pay sup where the employer isn't paying supers or anywhere else other than that one specific fund. But that, usually, that fund doesn't perform that well because of government.\n\nRight? So that's why we do a retention strategy. But in all cases, a beneficial outcome is not to do. And that's what I'm trying to do. I'm trying to see the best outcome because they may look after your best interest.\n\nOkay? Does that make sense? Does that answer your question? Or Beautiful. Amazing.\n\nAmazing. Well, look, I also sorry. Go on. Yep. Yep.\n\nThat's alright. We we could check on our site, but look, it won't hurt. Yeah. Correct. So but but it won't hurt at all.\n\nI mean, if you yeah. If you just let us know, if you can see it on your end, you know, it's just that we both if we both carry on checking, you'll be amazed by how many times these the payslip status change. But just admin, you know, the payroll kind of sector, they just they just pay to the same super funds or what, and just someone just doesn't change it. So that's yes. Yeah.\n\nCorrect. And then the worst part is that's one of the worst things that can happen. The worst thing that can happen is move all super funds over and cancel your existing insurances so that you're unsure. That's what, by far, the worst thing that can happen. Right?\n\nMurphy's law, something will happen to you, you're not sure. But the second worst thing is more actually, not more of them, but sometimes the we will close on the existing Superfund, move your funds over to whichever funds recommended for a client, and then the employer, even after receiving that Superdrugs contribution form that you filled out and submitted, they will receive it. They'll say it they'll send you a pay slip that you're paying it, but if they just transfer it because of administration errors, whatever it might be, they just transfer it straight into the old time. And what happens is they don't reject that money because you don't have an account. They set up a whole new account with the all and they charge all the fees again, and it's it's yeah.\n\nIt's not not the best outcome. But, look, we've dealt with it before, so we'll deal with it again, I'm sure. But, yeah, look, we've we've been pretty pretty we're pretty diligent when it comes to this stuff. We've been doing it for a long time. Either or info.\n\nYeah. Maddie, myself, info is a good one. Info, like, INFO as of three Financial. But look, just just if you just send it straight to me, I'll make sure that it gets done. So Yep.\n\nYeah. Yep. Join forces. We'll make it happen. Sorry.\n\nI'm just trying. I'm a boy. I can only do one thing at a time. It's a benefit and a curse sometimes, but submitted super choice nomination form and change on a work already. Just waiting to receive under the top of payroll.\n\nSuper contribution. How to buy. Beautiful. Yeah. Look.\n\nThat's pretty much everything. So we're gonna submit that take over terms application. Once we go through that, when we you know, you just let us know when you receive the when you've received that pay or we'll find it first. Either or I'll erase you to emails and try the best. Okay?\n\nAnd once the take a chance to get approved and move down, but what we'll do is just we will keep you updated. We'll let you know pretty much when the strategy is completed. Perfect. How's everything been so far? Nice and easy?\n\nOr Yeah. Nice. Beautiful. It's yeah. There's a lot of movements and I just wanna make sure that you're comfortable and know what's going on.\n\nBeautiful. Alright, Paul. Cameron, you enjoy the rest of your day. Alright? I'll speak to you soon.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"Emma, Chevy Todd giving you a call from IP Financial.","start":3.1999998,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.06645004227757453},{"text":"How are you?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.09277499715487163},{"text":"I am very well.","start":8.48,"end":9.5199995,"sentiment":"positive","sentiment_score":0.43896523863077164},{"text":"Thank you for asking.","start":9.5199995,"end":10.4,"sentiment":"positive","sentiment_score":0.4701218605041504},{"text":"I apologize for being three minutes late.","start":10.4,"end":12.24,"sentiment":"neutral","sentiment_score":-0.1432415864297322}],"sentiment":"neutral","sentiment_score":0.12773152520614012,"num_words":28,"start":3.1999998,"end":12.24},{"sentences":[{"text":"I had skid kid's school drop off.","start":12.24,"end":15.205,"sentiment":"neutral","sentiment_score":-0.24248055262225016},{"text":"So traffic is just getting worse and worse by the second.","start":15.205,"end":18.904999,"sentiment":"neutral","sentiment_score":-0.27483157407153735},{"text":"It's crazy.","start":19.445,"end":20.025,"sentiment":"neutral","sentiment_score":-0.286751925945282},{"text":"Yeah.","start":22.724998,"end":22.965,"sentiment":"neutral","sentiment_score":0.010546106845140455},{"text":"And you probably understand I'm I'm in Mary Mac.","start":22.965,"end":25.205,"sentiment":"neutral","sentiment_score":-0.01063809719764524}],"sentiment":"neutral","sentiment_score":-0.17930706009889644,"num_words":30,"start":12.24,"end":25.205},{"sentences":[{"text":"So you're just around the corner.","start":25.205,"end":26.664999,"sentiment":"neutral","sentiment_score":-0.0252429007863005},{"text":"But, Yeah.","start":26.724998,"end":29.7,"sentiment":"neutral","sentiment_score":-0.09736945107579231},{"text":"It's crazy.","start":29.7,"end":30.34,"sentiment":"neutral","sentiment_score":-0.26724570989608765},{"text":"So it's like, it's just I don't know where all the humans just came from.","start":30.34,"end":33.46,"sentiment":"neutral","sentiment_score":-0.2920977314313253},{"text":"It's it's unbelievable.","start":33.46,"end":34.440002,"sentiment":"negative","sentiment_score":-0.40340421597162884}],"sentiment":"neutral","sentiment_score":-0.231155940930226,"num_words":28,"start":25.205,"end":34.440002},{"sentences":[{"text":"I don't know how they're asking them.","start":34.82,"end":36.36,"sentiment":"neutral","sentiment_score":-0.2603201163666589},{"text":"Anyway, I'm just giving you a quick call regarding your six transfer terms eligibility questionnaire.","start":37.14,"end":42.36,"sentiment":"neutral","sentiment_score":0.011123476286108295},{"text":"So do you have time now?","start":42.755,"end":43.975,"sentiment":"neutral","sentiment_score":0.0006069412144521872},{"text":"Or beautiful.","start":44.195,"end":45.575,"sentiment":"neutral","sentiment_score":-0.0016799140721559525},{"text":"Are you currently off work or unable to perform the full and normal duties of the occupation on a full time basis or at least for thirty hours per week at the moment?","start":45.954998,"end":55.175,"sentiment":"neutral","sentiment_score":-0.05515699540123795}],"sentiment":"neutral","sentiment_score":-0.055163296815451415,"num_words":63,"start":34.82,"end":55.175},{"sentences":[{"text":"Yeah.","start":59.7,"end":60.1,"sentiment":"neutral","sentiment_score":-0.03721585124731064},{"text":"That's fine.","start":60.1,"end":61.68,"sentiment":"neutral","sentiment_score":-0.017761625349521637},{"text":"That's the that knows the answer you want, but but just answer them honestly as honest as you can.","start":62.26,"end":68.04,"sentiment":"neutral","sentiment_score":-0.011436006054282188},{"text":"Alright?","start":68.1,"end":68.6,"sentiment":"neutral","sentiment_score":-0.00299981189891696},{"text":"Yeah.","start":74.355,"end":74.675,"sentiment":"neutral","sentiment_score":-0.015887530520558357}],"sentiment":"neutral","sentiment_score":-0.012871273308216283,"num_words":24,"start":59.7,"end":74.675},{"sentences":[{"text":"So are you currently off work, which in March, because we've been we spoke before?","start":74.675,"end":79.555,"sentiment":"neutral","sentiment_score":-0.03124607279896736},{"text":"Yep.","start":79.555,"end":79.875,"sentiment":"neutral","sentiment_score":-0.015383816324174404},{"text":"So are you currently off work or unable to perform the full and normal duties of the occupation?","start":79.875,"end":84.60999,"sentiment":"neutral","sentiment_score":-0.042058370697001614},{"text":"Answer is no.","start":84.829994,"end":85.549995,"sentiment":"neutral","sentiment_score":-0.09551308304071426},{"text":"Alright?","start":85.549995,"end":86.049995,"sentiment":"neutral","sentiment_score":-0.04802393168210983}],"sentiment":"neutral","sentiment_score":-0.04146549372786754,"num_words":38,"start":74.675,"end":86.049995},{"sentences":[{"text":"Beautiful.","start":87.71,"end":88.21,"sentiment":"neutral","sentiment_score":0.05760269984602928},{"text":"Yeah.","start":94.03,"end":94.42999,"sentiment":"neutral","sentiment_score":-0.04061124473810196},{"text":"No.","start":94.42999,"end":94.75,"sentiment":"neutral","sentiment_score":-0.05394826829433441},{"text":"Correct.","start":94.75,"end":95.229996,"sentiment":"neutral","sentiment_score":0.0008274195715785027},{"text":"So answer the exact question, please.","start":95.229996,"end":97.845,"sentiment":"neutral","sentiment_score":0.009809445279339949}],"sentiment":"neutral","sentiment_score":0.0022727278061211113,"num_words":10,"start":87.71,"end":97.845},{"sentences":[{"text":"I'll be that'll be very beneficial for all of us.","start":97.925,"end":100.665,"sentiment":"neutral","sentiment_score":0.2702976182103157},{"text":"It's honestly and truthfully no.","start":101.045,"end":104.325005,"sentiment":"neutral","sentiment_score":-0.06283150613307953},{"text":"That's alright.","start":104.325005,"end":104.885,"sentiment":"neutral","sentiment_score":0.11762440949678421},{"text":"Did you want me to call back after you've had a coffee?","start":104.885,"end":107.045,"sentiment":"neutral","sentiment_score":0.0045904921522984905},{"text":"Or okay.","start":107.045,"end":112.799995,"sentiment":"neutral","sentiment_score":0.09989874251186848}],"sentiment":"neutral","sentiment_score":0.09286938262202087,"num_words":31,"start":97.925,"end":112.799995},{"sentences":[{"text":"Beautiful.","start":114.38,"end":114.88,"sentiment":"positive","sentiment_score":0.36503052711486816},{"text":"So so question two, have you in the last twelve months been absent from work or unable to fully perform your duties of your usual occupation, whether employed or unemployed, or your unpaid domestic duties if you are unemployed or sole occupation director due to illness or injury.","start":115.34,"end":134.205,"sentiment":"neutral","sentiment_score":-0.02660290642719095},{"text":"So you weren't working because of maternity leave, but it wasn't because of injury or illness.","start":136.745,"end":141.08499,"sentiment":"neutral","sentiment_score":-0.06859732558950782},{"text":"Right?","start":141.145,"end":141.645,"sentiment":"neutral","sentiment_score":0.005471864715218544},{"text":"Perfect.","start":143.59999,"end":144.09999,"sentiment":"neutral","sentiment_score":0.32041698694229126}],"sentiment":"neutral","sentiment_score":-0.02512801998753601,"num_words":67,"start":114.38,"end":144.09999},{"sentences":[{"text":"So have you been diagnosed or do you suffer from an illness that may cause permanent inability to work or because of a terminal illness?","start":144.23999,"end":152.9,"sentiment":"neutral","sentiment_score":-0.01516983799636364},{"text":"Beautiful.","start":154.72,"end":155.22,"sentiment":"neutral","sentiment_score":0.005286693572998047},{"text":"Have you ever had an insurance application for death only, death and total permanent disability, or terminal illness, or income protection cover ever be refused?","start":156.035,"end":164.77501,"sentiment":"neutral","sentiment_score":-0.06701771467924118},{"text":"The answer is no because we withdraw your previous app.","start":164.91501,"end":168.695,"sentiment":"neutral","sentiment_score":-0.18733967542648317},{"text":"Right?","start":168.91501,"end":169.235,"sentiment":"neutral","sentiment_score":-0.04488873481750488}],"sentiment":"neutral","sentiment_score":-0.06399496149031385,"num_words":62,"start":144.23999,"end":169.235},{"sentences":[{"text":"So you've never had a decline.","start":169.235,"end":170.695,"sentiment":"neutral","sentiment_score":-0.0889530498534441},{"text":"Beautiful.","start":171.57,"end":172.07,"sentiment":"neutral","sentiment_score":0.07854402810335159},{"text":"Have you ever been paid or eligible to be paid?","start":172.29001,"end":175.57,"sentiment":"neutral","sentiment_score":0.010631605610251426},{"text":"You're currently in the process of submitting a claim for any sort of insurance or workers' comp.","start":175.57,"end":179.99,"sentiment":"neutral","sentiment_score":-0.026699467069085908},{"text":"Beautiful.","start":182.21,"end":182.71,"sentiment":"neutral","sentiment_score":0.04554470628499985}],"sentiment":"neutral","sentiment_score":-0.021634412822978837,"num_words":35,"start":169.235,"end":182.71},{"sentences":[{"text":"Last question.","start":182.93001,"end":183.65,"sentiment":"neutral","sentiment_score":-0.0017680828459560871},{"text":"Have you ever had an insurance application for death, death, and total permanent disability, terminal illness, or income protection cover?","start":183.65,"end":190.955,"sentiment":"neutral","sentiment_score":-0.041285626403987405},{"text":"Have it been modified or opted on nonstandard terms in regards to medical or other conditions?","start":190.955,"end":196.655,"sentiment":"neutral","sentiment_score":-0.08501181285828352},{"text":"The answer is no because we haven't submitted that first application.","start":196.715,"end":200.255,"sentiment":"neutral","sentiment_score":-0.1926223269917748},{"text":"Okay.","start":202.94,"end":203.34,"sentiment":"neutral","sentiment_score":-0.024587303400039673}],"sentiment":"neutral","sentiment_score":-0.08665741199627519,"num_words":50,"start":182.93001,"end":203.34},{"sentences":[{"text":"That's it.","start":203.34,"end":204.08,"sentiment":"neutral","sentiment_score":-0.023071452043950558},{"text":"No.","start":213.34,"end":213.74,"sentiment":"neutral","sentiment_score":-0.23596055805683136},{"text":"No.","start":213.74,"end":214.06,"sentiment":"neutral","sentiment_score":-0.25565391778945923},{"text":"So so let me just reiterate why I know you're kind of in a in a in a rush before.","start":214.06,"end":218.11499,"sentiment":"neutral","sentiment_score":-0.22923738807439803},{"text":"So let's just go through it again.","start":218.11499,"end":219.81499,"sentiment":"neutral","sentiment_score":-0.03180236954774175}],"sentiment":"neutral","sentiment_score":-0.1724232815566563,"num_words":31,"start":203.34,"end":219.81499},{"sentences":[{"text":"So when we went through the insurance application, we we submitted that with the insurer that we recommended, but that goes to what's called an underwriter.","start":220.03499,"end":229.73499,"sentiment":"neutral","sentiment_score":-0.042227948657595195},{"text":"The underwriter for a comprehensive insurance cover, they assess your risk and work with the actuaries to work out what that monetary value of that risk is.","start":230.26001,"end":240.18001,"sentiment":"neutral","sentiment_score":-0.013756391799284352},{"text":"K?","start":240.18001,"end":240.5,"sentiment":"neutral","sentiment_score":0.009886035695672035},{"text":"That's how you get the insurance premium.","start":240.5,"end":242.28,"sentiment":"neutral","sentiment_score":0.027312638770256723},{"text":"Now with your situation, because of the personal depression and the the exclusions and the loadings, when you get a number that does build up depending on your health and age and stage in life.","start":242.675,"end":255.715,"sentiment":"neutral","sentiment_score":-0.13123321256467274}],"sentiment":"neutral","sentiment_score":-0.06105663725368989,"num_words":96,"start":220.03499,"end":255.715},{"sentences":[{"text":"Right?","start":255.715,"end":256.215,"sentiment":"neutral","sentiment_score":-0.021875400096178055},{"text":"So because of the the concerns with the bilateral knee excursion, things like that, that's as well as the mental health excursion because of your postnatal depression, which was within the last year and a half probably.","start":256.56,"end":269.22,"sentiment":"neutral","sentiment_score":-0.20279342691237862},{"text":"Right?","start":269.68,"end":270.18,"sentiment":"neutral","sentiment_score":-0.08670853078365326},{"text":"That means that there's a mental health exclusion, but there's also two knee exclusions.","start":270.815,"end":274.915,"sentiment":"neutral","sentiment_score":-0.23955548022474563},{"text":"Right?","start":275.215,"end":275.715,"sentiment":"neutral","sentiment_score":-0.16187573969364166}],"sentiment":"neutral","sentiment_score":-0.2060665405458874,"num_words":54,"start":255.715,"end":275.715},{"sentences":[{"text":"So that's three exclusions in total.","start":275.775,"end":277.935,"sentiment":"neutral","sentiment_score":-0.3269568781057994},{"text":"If there's three exclusions in total, then it's more than likely too much risk for an insurer to provide you insurance, which is called a decline.","start":277.935,"end":285.68002,"sentiment":"negative","sentiment_score":-0.5335103307779019},{"text":"Okay?","start":286.14,"end":286.64,"sentiment":"neutral","sentiment_score":-0.31995511054992676},{"text":"Now we don't want that to happen, and we wanna withdraw the application before you actually get that formal letter.","start":287.02002,"end":291.92,"sentiment":"negative","sentiment_score":-0.46451205015182495},{"text":"Okay?","start":292.14,"end":292.46002,"sentiment":"neutral","sentiment_score":-0.21577611565589905}],"sentiment":"negative","sentiment_score":-0.4751663351500476,"num_words":54,"start":275.775,"end":292.46002},{"sentences":[{"text":"Because that's just inquiring.","start":292.46002,"end":294.08002,"sentiment":"negative","sentiment_score":-0.36919069290161133},{"text":"That's not actually going through with the process.","start":294.14,"end":296.08002,"sentiment":"negative","sentiment_score":-0.4616302326321602},{"text":"Alright?","start":296.46002,"end":296.96002,"sentiment":"neutral","sentiment_score":-0.10049216449260712},{"text":"So what we need to do now is we don't want the decline.","start":297.705,"end":301.145,"sentiment":"neutral","sentiment_score":-0.3249438531123675},{"text":"We won't be able to get covered as adequate for you and your family.","start":301.145,"end":304.525,"sentiment":"negative","sentiment_score":-0.36960387017045704}],"sentiment":"negative","sentiment_score":-0.36672552675008774,"num_words":40,"start":292.46002,"end":304.525},{"sentences":[{"text":"So what's the what can we do about?","start":304.745,"end":306.985,"sentiment":"neutral","sentiment_score":-0.12858034763485193},{"text":"Well, how do we get your super consolidated into one place to get it working harder for you, but at the same time, make sure that you got insurance covered.","start":306.985,"end":315.0,"sentiment":"neutral","sentiment_score":-0.03795634607474009},{"text":"If not enough, at least some.","start":315.0,"end":317.1,"sentiment":"neutral","sentiment_score":-0.24845962474743524},{"text":"Right?","start":318.28,"end":318.78,"sentiment":"neutral","sentiment_score":0.05674422159790993},{"text":"And that means that we can do what's called takeover terms, which is Hub 24.","start":319.0,"end":323.565,"sentiment":"neutral","sentiment_score":0.05319022039572398}],"sentiment":"neutral","sentiment_score":-0.04672488973786434,"num_words":60,"start":304.745,"end":323.565},{"sentences":[{"text":"So Hub 24, the product that we're recommending, actually does what's called takeover terms, where you answer these six questions and we can they can literally take over the terms of the policy that you hold in group cover, which is currently with your current super fund.","start":323.645,"end":338.545,"sentiment":"neutral","sentiment_score":0.0676864225496637},{"text":"And then what we can do is just literally move them over, and they're gonna be owned under the platform of Upstream for instead of the existing super fund.","start":339.16998,"end":346.15,"sentiment":"neutral","sentiment_score":0.0883649036545178},{"text":"Under the condition that you answer now to all six questions, which you have?","start":347.88998,"end":351.19,"sentiment":"neutral","sentiment_score":0.017981070426425765},{"text":"Correct.","start":360.775,"end":361.09497,"sentiment":"neutral","sentiment_score":0.11347230523824692},{"text":"Correct.","start":361.09497,"end":361.59497,"sentiment":"neutral","sentiment_score":0.12730993330478668}],"sentiment":"neutral","sentiment_score":0.06778653576443701,"num_words":92,"start":323.645,"end":361.59497},{"sentences":[{"text":"So just right now, I wanna consolidate your funds to, you know, snowball effect compounding returns a beautiful thing.","start":361.655,"end":367.01498,"sentiment":"neutral","sentiment_score":0.26348752018652466},{"text":"I want don't want two super funds, portion portions in each.","start":367.01498,"end":370.83,"sentiment":"neutral","sentiment_score":-0.030861212448640304},{"text":"I would like to have the it's called a retention strategy where you have the majority of your funds in one place that's working hard and getting better return, tracking for retirement, but then you leave a minimum amount in the previous one.","start":371.05,"end":384.185,"sentiment":"neutral","sentiment_score":0.18335423090083655},{"text":"And most most of the most of the time, we do that for, like, government employees, like, doctors where you've got into what's called an EBA, an enterprise bargaining arrangement, where you aren't allowed to pay sup where the employer isn't paying supers or anywhere else other than that one specific fund.","start":384.405,"end":400.35,"sentiment":"neutral","sentiment_score":0.03297804693619792},{"text":"But that, usually, that fund doesn't perform that well because of government.","start":400.89,"end":404.99,"sentiment":"neutral","sentiment_score":-0.14330158351610103}],"sentiment":"neutral","sentiment_score":0.0915785468163064,"num_words":137,"start":361.655,"end":404.99},{"sentences":[{"text":"Right?","start":405.05,"end":405.55,"sentiment":"neutral","sentiment_score":-0.014835763722658156},{"text":"So that's why we do a retention strategy.","start":405.865,"end":408.125,"sentiment":"neutral","sentiment_score":-0.006933195283636451},{"text":"But in all cases, a beneficial outcome is not to do.","start":408.26498,"end":411.705,"sentiment":"neutral","sentiment_score":-0.1352657370946624},{"text":"And that's what I'm trying to do.","start":411.705,"end":412.745,"sentiment":"neutral","sentiment_score":0.005234776064753532},{"text":"I'm trying to see the best outcome because they may look after your best interest.","start":412.745,"end":415.72498,"sentiment":"neutral","sentiment_score":0.10012951418757439}],"sentiment":"neutral","sentiment_score":-0.00046757830395585014,"num_words":42,"start":405.05,"end":415.72498},{"sentences":[{"text":"Okay?","start":417.22498,"end":417.72498,"sentiment":"neutral","sentiment_score":0.0629018247127533},{"text":"Does that make sense?","start":417.865,"end":418.585,"sentiment":"neutral","sentiment_score":0.07532409485429525},{"text":"Does that answer your question?","start":418.585,"end":419.865,"sentiment":"neutral","sentiment_score":0.0015472636558115482},{"text":"Or Beautiful.","start":419.865,"end":422.22,"sentiment":"neutral","sentiment_score":0.190977961756289},{"text":"Amazing.","start":423.0,"end":423.5,"sentiment":"positive","sentiment_score":0.5876821875572205}],"sentiment":"neutral","sentiment_score":0.10319789488298389,"num_words":13,"start":417.22498,"end":423.5},{"sentences":[{"text":"Amazing.","start":423.8,"end":424.3,"sentiment":"positive","sentiment_score":0.4773930311203003},{"text":"Well, look, I also sorry.","start":424.36,"end":426.43997,"sentiment":"neutral","sentiment_score":0.01891089491546154},{"text":"Go on.","start":426.43997,"end":427.09998,"sentiment":"neutral","sentiment_score":-0.01180436136201024},{"text":"Yep.","start":431.63998,"end":432.13998,"sentiment":"neutral","sentiment_score":0.009406650438904762},{"text":"Yep.","start":439.535,"end":440.035,"sentiment":"neutral","sentiment_score":0.019052844494581223}],"sentiment":"neutral","sentiment_score":0.05767982779070735,"num_words":10,"start":423.8,"end":440.035},{"sentences":[{"text":"That's alright.","start":448.3,"end":452.62,"sentiment":"neutral","sentiment_score":-0.006949102040380241},{"text":"We we could check on our site, but look, it won't hurt.","start":452.62,"end":455.44,"sentiment":"neutral","sentiment_score":0.05816643095264832},{"text":"Yeah.","start":455.58,"end":455.9,"sentiment":"neutral","sentiment_score":0.14102129638195038},{"text":"Correct.","start":455.9,"end":456.38,"sentiment":"neutral","sentiment_score":0.2294643223285675},{"text":"So but but it won't hurt at all.","start":456.38,"end":458.13998,"sentiment":"neutral","sentiment_score":0.2781055271625519}],"sentiment":"neutral","sentiment_score":0.136642866806748,"num_words":24,"start":448.3,"end":458.13998},{"sentences":[{"text":"I mean, if you yeah.","start":458.13998,"end":459.9,"sentiment":"neutral","sentiment_score":0.2583112776279449},{"text":"If you just let us know, if you can see it on your end, you know, it's just that we both if we both carry on checking, you'll be amazed by how many times these the payslip status change.","start":459.9,"end":470.255,"sentiment":"neutral","sentiment_score":0.2275402016746692},{"text":"But just admin, you know, the payroll kind of sector, they just they just pay to the same super funds or what, and just someone just doesn't change it.","start":470.255,"end":478.65002,"sentiment":"neutral","sentiment_score":-0.08505922902760835},{"text":"So that's yes.","start":478.79,"end":481.05002,"sentiment":"neutral","sentiment_score":0.09409219399094582},{"text":"Yeah.","start":481.91,"end":482.31003,"sentiment":"neutral","sentiment_score":0.09513889253139496}],"sentiment":"neutral","sentiment_score":0.10488729982020019,"num_words":77,"start":458.13998,"end":482.31003},{"sentences":[{"text":"Correct.","start":482.31003,"end":482.81003,"sentiment":"neutral","sentiment_score":0.21040694415569303},{"text":"And then the worst part is that's one of the worst things that can happen.","start":483.11002,"end":486.01,"sentiment":"negative","sentiment_score":-0.48244363963603976},{"text":"The worst thing that can happen is move all super funds over and cancel your existing insurances so that you're unsure.","start":486.485,"end":491.76498,"sentiment":"negative","sentiment_score":-0.5482868481250036},{"text":"That's what, by far, the worst thing that can happen.","start":491.76498,"end":494.325,"sentiment":"negative","sentiment_score":-0.527445775270462},{"text":"Right?","start":494.325,"end":494.485,"sentiment":"neutral","sentiment_score":-0.19143089652061465}],"sentiment":"negative","sentiment_score":-0.5001283356299003,"num_words":48,"start":482.31003,"end":494.485},{"sentences":[{"text":"Murphy's law, something will happen to you, you're not sure.","start":494.485,"end":496.805,"sentiment":"neutral","sentiment_score":-0.21930956691503525},{"text":"But the second worst thing is more actually, not more of them, but sometimes the we will close on the existing Superfund, move your funds over to whichever funds recommended for a client, and then the employer, even after receiving that Superdrugs contribution form that you filled out and submitted, they will receive it.","start":496.805,"end":514.905,"sentiment":"neutral","sentiment_score":-0.2100227944276951},{"text":"They'll say it they'll send you a pay slip that you're paying it, but if they just transfer it because of administration errors, whatever it might be, they just transfer it straight into the old time.","start":514.905,"end":523.22504,"sentiment":"neutral","sentiment_score":-0.25859028701153064},{"text":"And what happens is they don't reject that money because you don't have an account.","start":523.22504,"end":526.905,"sentiment":"negative","sentiment_score":-0.33953078587849933},{"text":"They set up a whole new account with the all and they charge all the fees again, and it's it's yeah.","start":526.905,"end":533.45996,"sentiment":"negative","sentiment_score":-0.4276473607335772}],"sentiment":"neutral","sentiment_score":-0.27144950929590883,"num_words":136,"start":494.485,"end":533.45996},{"sentences":[{"text":"It's not not the best outcome.","start":533.45996,"end":535.07996,"sentiment":"negative","sentiment_score":-0.4765937527020772},{"text":"But, look, we've dealt with it before, so we'll deal with it again, I'm sure.","start":535.13995,"end":539.39996,"sentiment":"neutral","sentiment_score":-0.2637757291396459},{"text":"But, yeah, look, we've we've been pretty pretty we're pretty diligent when it comes to this stuff.","start":539.62,"end":544.005,"sentiment":"neutral","sentiment_score":0.08292249699725825},{"text":"We've been doing it for a long time.","start":544.085,"end":552.085,"sentiment":"neutral","sentiment_score":0.15439154766499996},{"text":"Either or info.","start":552.085,"end":553.205,"sentiment":"neutral","sentiment_score":0.023433503384391468}],"sentiment":"neutral","sentiment_score":-0.08369557373225689,"num_words":49,"start":533.45996,"end":553.205},{"sentences":[{"text":"Yeah.","start":553.205,"end":553.525,"sentiment":"neutral","sentiment_score":0.12794306874275208},{"text":"Maddie, myself, info is a good one.","start":553.525,"end":556.405,"sentiment":"neutral","sentiment_score":0.15527027632508958},{"text":"Info, like, INFO as of three Financial.","start":556.405,"end":559.225,"sentiment":"neutral","sentiment_score":0.04519731019224439},{"text":"But look, just just if you just send it straight to me, I'll make sure that it gets done.","start":559.53,"end":564.11005,"sentiment":"neutral","sentiment_score":0.04335289673977777},{"text":"So Yep.","start":569.93005,"end":571.21,"sentiment":"neutral","sentiment_score":0.06177615374326706}],"sentiment":"neutral","sentiment_score":0.06884648666406672,"num_words":36,"start":553.205,"end":571.21},{"sentences":[{"text":"Yeah.","start":571.21,"end":571.53,"sentiment":"neutral","sentiment_score":0.08389478921890259},{"text":"Yep.","start":571.53,"end":571.905,"sentiment":"neutral","sentiment_score":0.08151759207248688},{"text":"Join forces.","start":572.065,"end":572.78503,"sentiment":"neutral","sentiment_score":0.10396398231387138},{"text":"We'll make it happen.","start":572.78503,"end":573.585,"sentiment":"neutral","sentiment_score":0.18424381501972675},{"text":"Sorry.","start":573.585,"end":573.74506,"sentiment":"neutral","sentiment_score":-0.005620736628770828}],"sentiment":"neutral","sentiment_score":0.12274387437436315,"num_words":9,"start":571.21,"end":573.74506},{"sentences":[{"text":"I'm just trying.","start":573.74506,"end":574.465,"sentiment":"neutral","sentiment_score":-0.01818115885059039},{"text":"I'm a boy.","start":574.465,"end":575.025,"sentiment":"neutral","sentiment_score":-0.013713019589583078},{"text":"I can only do one thing at a time.","start":575.025,"end":576.78503,"sentiment":"neutral","sentiment_score":-0.014840522367093299},{"text":"It's a benefit and a curse sometimes, but submitted super choice nomination form and change on a work already.","start":576.78503,"end":586.885,"sentiment":"neutral","sentiment_score":0.022002019821421095},{"text":"Just waiting to receive under the top of payroll.","start":588.36,"end":593.1,"sentiment":"neutral","sentiment_score":0.027159509973393545}],"sentiment":"neutral","sentiment_score":0.010075040226585643,"num_words":43,"start":573.74506,"end":593.1},{"sentences":[{"text":"Super contribution.","start":594.52,"end":595.58,"sentiment":"neutral","sentiment_score":0.11566983163356781},{"text":"How to buy.","start":597.0,"end":597.9,"sentiment":"neutral","sentiment_score":0.061967406421899796},{"text":"Beautiful.","start":598.76,"end":599.26,"sentiment":"positive","sentiment_score":0.3566662073135376},{"text":"Yeah.","start":600.375,"end":600.53503,"sentiment":"neutral","sentiment_score":0.13371896743774414},{"text":"Look.","start":600.53503,"end":600.775,"sentiment":"neutral","sentiment_score":0.14153873920440674}],"sentiment":"neutral","sentiment_score":0.13114572456106544,"num_words":8,"start":594.52,"end":600.775},{"sentences":[{"text":"That's pretty much everything.","start":600.775,"end":601.73505,"sentiment":"neutral","sentiment_score":0.11163731850683689},{"text":"So we're gonna submit that take over terms application.","start":601.73505,"end":604.395,"sentiment":"neutral","sentiment_score":0.07503043736020724},{"text":"Once we go through that, when we you know, you just let us know when you receive the when you've received that pay or we'll find it first.","start":605.895,"end":614.31,"sentiment":"neutral","sentiment_score":0.06457870187503952},{"text":"Either or I'll erase you to emails and try the best.","start":614.31,"end":617.29,"sentiment":"neutral","sentiment_score":0.026067795231938362},{"text":"Okay?","start":617.75,"end":618.25,"sentiment":"neutral","sentiment_score":0.05269695073366165}],"sentiment":"neutral","sentiment_score":0.061688104925571745,"num_words":53,"start":600.775,"end":618.25},{"sentences":[{"text":"And once the take a chance to get approved and move down, but what we'll do is just we will keep you updated.","start":618.55,"end":623.75,"sentiment":"neutral","sentiment_score":0.0663426385625549},{"text":"We'll let you know pretty much when the strategy is completed.","start":623.75,"end":626.01,"sentiment":"neutral","sentiment_score":0.07919700376012108},{"text":"Perfect.","start":628.445,"end":628.765,"sentiment":"positive","sentiment_score":0.5291949510574341},{"text":"How's everything been so far?","start":628.765,"end":630.205,"sentiment":"neutral","sentiment_score":0.2672079712152481},{"text":"Nice and easy?","start":630.205,"end":631.105,"sentiment":"positive","sentiment_score":0.36680153012275696}],"sentiment":"neutral","sentiment_score":0.12471365408841954,"num_words":43,"start":618.55,"end":631.105},{"sentences":[{"text":"Or Yeah.","start":634.285,"end":637.805,"sentiment":"neutral","sentiment_score":0.11858862545341253},{"text":"Nice.","start":637.805,"end":638.305,"sentiment":"positive","sentiment_score":0.47372812032699585},{"text":"Beautiful.","start":639.27,"end":639.77,"sentiment":"positive","sentiment_score":0.5380652546882629},{"text":"It's yeah.","start":639.83,"end":640.55005,"sentiment":"neutral","sentiment_score":0.2996038347482681},{"text":"There's a lot of movements and I just wanna make sure that you're comfortable and know what's going on.","start":640.55005,"end":644.81006,"sentiment":"neutral","sentiment_score":0.2555061437581715}],"sentiment":"neutral","sentiment_score":0.2681118010729551,"num_words":25,"start":634.285,"end":644.81006},{"sentences":[{"text":"Beautiful.","start":646.7769,"end":647.2769,"sentiment":"neutral","sentiment_score":0.2523304522037506},{"text":"Alright, Paul.","start":647.41693,"end":648.05695,"sentiment":"positive","sentiment_score":0.44782887399196625},{"text":"Cameron, you enjoy the rest of your day.","start":648.05695,"end":649.2569,"sentiment":"positive","sentiment_score":0.6483574276790023},{"text":"Alright?","start":649.2569,"end":649.49695,"sentiment":"neutral","sentiment_score":0.21064814925193787},{"text":"I'll speak to you soon.","start":649.49695,"end":650.55695,"sentiment":"neutral","sentiment_score":0.2847960352897644}],"sentiment":"positive","sentiment_score":0.46879270278355656,"num_words":17,"start":646.7769,"end":650.55695},{"sentences":[{"text":"See you.","start":652.4569,"end":652.85693,"sentiment":"positive","sentiment_score":0.5976304411888123},{"text":"Bye.","start":652.85693,"end":653.35693,"sentiment":"neutral","sentiment_score":0.31881630420684814}],"sentiment":"positive","sentiment_score":0.5046923955281576,"num_words":3,"start":652.4569,"end":653.35693}]}}]},{"alternatives":[{"transcript":"Hello. Emma speaking. Good. Thank you. How are you? Oh, no. It moved me. Yeah. But that's totally fine. Yeah. Exactly. It's insane. Yep. Yes. No. No. I yeah. Is that the answer I want? So it's yeah. So sorry. I just so am am I able to work? Was that it? The you can office work. Yep. No. Yes. It was just that I got caught up with the whole, like, being part time and maternity leave, but that's not what the question is asking. Yeah. Yeah. Yeah. Yeah. I just my brain is not switched on. No. No. No. That's that's totally fine. I was yeah. Just yes. That that that is truthful, and that's the answer we want. Yep. Yes. That is true. No. Okay. Yeah. Yep. Cool. So does this so this just gives a little bit more evidence to to our application. Is that that's the yeah. Mhmm. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Yes. Yep. Okay. Okay. Yeah. Yeah. Cool. So does that mean then down the track, we then look again at doing the insurance? Yeah. Yep. Yep. Yeah. Yeah. Yep. Yes. Cool. Yep. Keep that. Yes. Cool. Yep. That's good. And then sorry. Also, just slightly different but still on super. I have submitted my documentation, like, to the department to get the super changed over. And it does say on my payslip that it has been changed right apart, but it hasn't hit the the hub twenty four bank account yet. So if that went through, do you want me to send you an email and say that it like, it's all been oh, you can check that now? Yep. Cool. Yeah. I guess. I mean, that's why I like to, like, make sure it's all good. Yeah. Exactly. Yes. No. Yep. Cool. Brilliant. So if I just send an email, do I just send it directly to you or just to, like, Madison or yep. Oh, yes. Yep. Mhmm. Yep. Brilliant. Cool. Yeah. Yeah. Like I said, I'll keep an eye on it and then yeah. Go by checking. Yep. Yep. Yep. Brilliant. Thank you for that. Yeah. It seems to have been. Yeah. Yeah. Seems so. So everything's going well. Yes. Yep. Will do. Same to you. Thank you so much. Thanks. Bye.","confidence":0.9716797,"words":[{"word":"hello","start":1.68,"end":1.92,"confidence":0.66552734,"punctuated_word":"Hello.","sentiment":"neutral","sentiment_score":0.029044747352600098},{"word":"emma","start":1.92,"end":2.24,"confidence":0.33325195,"punctuated_word":"Emma","sentiment":"neutral","sentiment_score":0.02294318377971649},{"word":"speaking","start":2.24,"end":2.74,"confidence":0.9291992,"punctuated_word":"speaking.","sentiment":"neutral","sentiment_score":0.03127407282590866},{"word":"good","start":6.96,"end":7.2,"confidence":0.8269043,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.48426923155784607},{"word":"thank","start":7.2,"end":7.44,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6148088574409485},{"word":"you","start":7.44,"end":7.6,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4882066249847412},{"word":"how","start":7.6,"end":7.7599998,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.29262998700141907},{"word":"are","start":7.7599998,"end":7.8399997,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.23187404870986936},{"word":"you","start":7.8399997,"end":8.34,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.328873872756958},{"word":"oh","start":17.095,"end":17.175,"confidence":0.9707031,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.24943041801452637},{"word":"no","start":17.175,"end":17.675,"confidence":0.99560547,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.2970643639564514},{"word":"it","start":19.414999,"end":19.735,"confidence":0.6977539,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.25683286786079407},{"word":"moved","start":19.735,"end":20.055,"confidence":0.14331055,"punctuated_word":"moved","sentiment":"neutral","sentiment_score":-0.1359906941652298},{"word":"me","start":20.055,"end":20.535,"confidence":0.89697266,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.11976636201143263},{"word":"yeah","start":20.535,"end":21.035,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0001372024416923523},{"word":"but","start":21.095,"end":21.255,"confidence":0.83740234,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0248226597905159},{"word":"that's","start":21.255,"end":21.494999,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08177792280912399},{"word":"totally","start":21.494999,"end":21.895,"confidence":0.99902344,"punctuated_word":"totally","sentiment":"neutral","sentiment_score":0.08652450144290924},{"word":"fine","start":21.895,"end":22.395,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.07415229082107544},{"word":"yeah","start":27.095,"end":27.415,"confidence":0.98657227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.034541450440883636},{"word":"exactly","start":27.415,"end":27.915,"confidence":0.9995117,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":-0.10321716964244844},{"word":"it's","start":28.055,"end":28.375,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.36962199211120605},{"word":"insane","start":28.375,"end":28.875,"confidence":0.99902344,"punctuated_word":"insane.","sentiment":"neutral","sentiment_score":-0.2786124646663666},{"word":"yep","start":42.98,"end":43.48,"confidence":0.97631836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.002100609941408038},{"word":"yes","start":44.1,"end":44.475,"confidence":0.8664551,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0014038300141692162},{"word":"no","start":57.914997,"end":58.38,"confidence":0.9445801,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08521483093500137},{"word":"no","start":58.620003,"end":59.120003,"confidence":0.9716797,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08035406470298767},{"word":"i","start":59.340004,"end":59.840004,"confidence":0.91015625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05620548129081726},{"word":"yeah","start":60.22,"end":60.46,"confidence":0.9243164,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.002584833651781082},{"word":"is","start":60.46,"end":60.54,"confidence":0.96533203,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.007563581690192223},{"word":"that","start":60.54,"end":60.7,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.011559337377548218},{"word":"the","start":60.7,"end":60.780003,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02642531879246235},{"word":"answer","start":60.780003,"end":61.100002,"confidence":0.9951172,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":-0.022806692868471146},{"word":"i","start":61.100002,"end":61.18,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.020183328539133072},{"word":"want","start":61.18,"end":61.68,"confidence":0.99658203,"punctuated_word":"want?","sentiment":"neutral","sentiment_score":-0.02146456018090248},{"word":"so","start":62.62,"end":63.12,"confidence":0.55810547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.00797165185213089},{"word":"it's","start":64.06,"end":64.3,"confidence":0.70288086,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.001223936676979065},{"word":"yeah","start":67.1,"end":67.6,"confidence":0.91552734,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.035588789731264114},{"word":"so","start":68.380005,"end":68.86,"confidence":0.7495117,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03648354113101959},{"word":"sorry","start":68.86,"end":69.26,"confidence":0.8312988,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.05477254092693329},{"word":"i","start":69.26,"end":69.42,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04994108527898789},{"word":"just","start":69.42,"end":69.92,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.046353645622730255},{"word":"so","start":70.78,"end":71.020004,"confidence":0.64160156,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.044411517679691315},{"word":"am","start":71.020004,"end":71.18,"confidence":0.98535156,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.036074865609407425},{"word":"am","start":71.18,"end":71.340004,"confidence":0.9604492,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.048462241888046265},{"word":"i","start":71.340004,"end":71.625,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06097165867686272},{"word":"able","start":72.025,"end":72.345,"confidence":0.9980469,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.04053843766450882},{"word":"to","start":72.345,"end":72.585,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04743775725364685},{"word":"work","start":72.585,"end":72.825,"confidence":0.9682617,"punctuated_word":"work?","sentiment":"neutral","sentiment_score":-0.05295490846037865},{"word":"was","start":72.825,"end":72.905,"confidence":0.6503906,"punctuated_word":"Was","sentiment":"neutral","sentiment_score":-0.03819877281785011},{"word":"that","start":72.905,"end":73.145,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.039334677159786224},{"word":"it","start":73.145,"end":73.625,"confidence":0.9926758,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.03908130154013634},{"word":"the","start":73.625,"end":74.125,"confidence":0.80126953,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.019743099808692932},{"word":"you","start":75.257,"end":75.757,"confidence":0.25390625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025486620143055916},{"word":"can","start":76.073,"end":76.573,"confidence":0.4597168,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.03423516824841499},{"word":"office","start":77.705,"end":78.185,"confidence":0.69189453,"punctuated_word":"office","sentiment":"neutral","sentiment_score":-0.04959281161427498},{"word":"work","start":78.185,"end":78.685,"confidence":0.8786621,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.04675687104463577},{"word":"yep","start":78.745,"end":79.245,"confidence":0.748291,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.020980820059776303},{"word":"no","start":86.185,"end":86.585,"confidence":0.95996094,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09943746030330658},{"word":"yes","start":86.585,"end":86.94,"confidence":0.9946289,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.01138366013765335},{"word":"it","start":87.18,"end":87.420006,"confidence":0.8964844,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.026154711842536926},{"word":"was","start":87.420006,"end":87.5,"confidence":0.91259766,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.01928838342428207},{"word":"just","start":87.5,"end":87.740005,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.014987494796514513},{"word":"that","start":87.740005,"end":87.9,"confidence":0.5805664,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0825619027018547},{"word":"i","start":87.9,"end":87.98,"confidence":0.73583984,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1271832138299942},{"word":"got","start":87.98,"end":88.22,"confidence":0.9589844,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.1715417057275772},{"word":"caught","start":88.22,"end":88.380005,"confidence":0.9970703,"punctuated_word":"caught","sentiment":"neutral","sentiment_score":-0.10236188769340517},{"word":"up","start":88.380005,"end":88.54,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1581147164106369},{"word":"with","start":88.54,"end":88.62,"confidence":0.9140625,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.14272218942642212},{"word":"the","start":88.62,"end":88.700005,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16752104461193085},{"word":"whole","start":88.700005,"end":88.94,"confidence":0.8808594,"punctuated_word":"whole,","sentiment":"neutral","sentiment_score":-0.11775979399681091},{"word":"like","start":88.94,"end":89.26,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1020444929599762},{"word":"being","start":89.26,"end":89.76,"confidence":0.82666016,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.11493711173534392},{"word":"part","start":90.54,"end":90.86,"confidence":0.9980469,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.050741370767354965},{"word":"time","start":90.86,"end":91.100006,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.05417811870574951},{"word":"and","start":91.100006,"end":91.340004,"confidence":0.9394531,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11685303598642348},{"word":"maternity","start":91.340004,"end":91.82,"confidence":1.0,"punctuated_word":"maternity","sentiment":"neutral","sentiment_score":-0.06714721769094467},{"word":"leave","start":91.82,"end":92.060005,"confidence":0.95703125,"punctuated_word":"leave,","sentiment":"neutral","sentiment_score":-0.10198181122541428},{"word":"but","start":92.060005,"end":92.22,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.09077977389097214},{"word":"that's","start":92.22,"end":92.46,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.14356978237628937},{"word":"not","start":92.46,"end":92.62,"confidence":0.9941406,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08613252639770508},{"word":"what","start":92.62,"end":92.78,"confidence":0.9873047,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.10023944079875946},{"word":"the","start":92.78,"end":92.86,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10773691534996031},{"word":"question","start":92.86,"end":93.100006,"confidence":0.9658203,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.07405044138431549},{"word":"is","start":93.100006,"end":93.26,"confidence":0.44482422,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10027197003364564},{"word":"asking","start":93.26,"end":93.76,"confidence":0.9970703,"punctuated_word":"asking.","sentiment":"neutral","sentiment_score":-0.08638247847557068},{"word":"yeah","start":94.54,"end":95.04,"confidence":0.7570801,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.010136747732758522},{"word":"yeah","start":95.58,"end":96.08,"confidence":0.9421387,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009891952387988567},{"word":"yeah","start":97.740005,"end":98.240005,"confidence":0.7408447,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1431715190410614},{"word":"yeah","start":100.94,"end":101.415,"confidence":0.7844238,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.019274229183793068},{"word":"i","start":101.575005,"end":101.735,"confidence":0.3642578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05538518726825714},{"word":"just","start":101.735,"end":101.815,"confidence":0.71435547,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06397461146116257},{"word":"my","start":101.895004,"end":102.215004,"confidence":0.99609375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.07772575318813324},{"word":"brain","start":102.215004,"end":102.455,"confidence":0.9902344,"punctuated_word":"brain","sentiment":"neutral","sentiment_score":-0.046196456998586655},{"word":"is","start":102.455,"end":102.615,"confidence":0.8598633,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08886682242155075},{"word":"not","start":102.615,"end":102.855,"confidence":0.9970703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07644443213939667},{"word":"switched","start":102.855,"end":103.175,"confidence":0.97802734,"punctuated_word":"switched","sentiment":"neutral","sentiment_score":-0.08144919574260712},{"word":"on","start":103.175,"end":103.675,"confidence":0.99902344,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.08610951900482178},{"word":"no","start":107.495,"end":107.655,"confidence":0.9921875,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.161706805229187},{"word":"no","start":107.655,"end":107.815,"confidence":0.99853516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1623336225748062},{"word":"no","start":107.815,"end":107.975,"confidence":0.9975586,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1421608030796051},{"word":"that's","start":107.975,"end":108.295,"confidence":0.98046875,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.048764705657958984},{"word":"that's","start":108.295,"end":108.615,"confidence":0.9926758,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.13624438643455505},{"word":"totally","start":108.615,"end":109.015,"confidence":0.99902344,"punctuated_word":"totally","sentiment":"neutral","sentiment_score":0.1841949224472046},{"word":"fine","start":109.015,"end":109.255,"confidence":0.98095703,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.13456718623638153},{"word":"i","start":109.255,"end":109.335,"confidence":0.9140625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12706740200519562},{"word":"was","start":109.335,"end":109.495,"confidence":0.96533203,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1307622343301773},{"word":"yeah","start":109.655,"end":109.895004,"confidence":0.99121094,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.139741450548172},{"word":"just","start":109.895004,"end":110.395004,"confidence":0.96777344,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.14374765753746033},{"word":"yes","start":111.015,"end":111.495,"confidence":0.97021484,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.15039390325546265},{"word":"that","start":111.495,"end":111.815,"confidence":0.85546875,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.15899993479251862},{"word":"that","start":111.815,"end":112.055,"confidence":0.87353516,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2056424468755722},{"word":"that","start":112.055,"end":112.295,"confidence":0.9614258,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22508877515792847},{"word":"is","start":112.295,"end":112.455,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18546010553836825},{"word":"truthful","start":112.455,"end":112.855,"confidence":0.7944336,"punctuated_word":"truthful,","sentiment":"neutral","sentiment_score":0.263801246881485},{"word":"and","start":112.855,"end":112.935,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.33401060104370117},{"word":"that's","start":112.935,"end":113.175,"confidence":0.9863281,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.3707607984542846},{"word":"the","start":113.175,"end":113.335,"confidence":0.9589844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3316192328929901},{"word":"answer","start":113.335,"end":113.495,"confidence":0.9428711,"punctuated_word":"answer","sentiment":"positive","sentiment_score":0.33925122022628784},{"word":"we","start":113.495,"end":113.79,"confidence":0.9819336,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3592166304588318},{"word":"want","start":113.79,"end":114.29,"confidence":0.9951172,"punctuated_word":"want.","sentiment":"neutral","sentiment_score":0.2863089442253113},{"word":"yep","start":120.7125,"end":121.2125,"confidence":0.6899414,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.012675197795033457},{"word":"yes","start":141.795,"end":142.035,"confidence":0.9880371,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05019238591194153},{"word":"that","start":142.035,"end":142.275,"confidence":0.9941406,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.10195616632699966},{"word":"is","start":142.275,"end":142.515,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.129084050655365},{"word":"true","start":142.515,"end":142.86,"confidence":0.99316406,"punctuated_word":"true.","sentiment":"neutral","sentiment_score":0.15979033708572388},{"word":"no","start":153.66,"end":154.16,"confidence":0.6553955,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06060708686709404},{"word":"okay","start":201.14,"end":201.46,"confidence":0.7675781,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.03387786075472832},{"word":"yeah","start":201.46,"end":201.96,"confidence":0.86157227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02599913999438286},{"word":"yep","start":204.34001,"end":204.82,"confidence":0.91381836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07627463340759277},{"word":"cool","start":204.82,"end":205.32,"confidence":0.9880371,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.10748611390590668},{"word":"so","start":205.38,"end":205.70001,"confidence":0.82714844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.025015629827976227},{"word":"does","start":205.70001,"end":205.94,"confidence":0.9223633,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.0038373135030269623},{"word":"this","start":205.94,"end":206.18001,"confidence":0.9892578,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0137113556265831},{"word":"so","start":207.86,"end":208.02,"confidence":0.98095703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.01309000328183174},{"word":"this","start":208.02,"end":208.26001,"confidence":0.9951172,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.010891638696193697},{"word":"just","start":208.26001,"end":208.42001,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0019655153155326843},{"word":"gives","start":208.42001,"end":208.66,"confidence":0.98291016,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":-0.014454178512096403},{"word":"a","start":208.66,"end":208.74,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004743585363030434},{"word":"little","start":208.74,"end":208.90001,"confidence":0.9970703,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.003892071545124054},{"word":"bit","start":208.90001,"end":209.06001,"confidence":0.99609375,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.012738794088363647},{"word":"more","start":209.06001,"end":209.22,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.01908661425113678},{"word":"evidence","start":209.22,"end":209.70001,"confidence":0.99609375,"punctuated_word":"evidence","sentiment":"neutral","sentiment_score":-0.009243786334991457},{"word":"to","start":209.70001,"end":210.20001,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.014602474868297575},{"word":"to","start":210.90001,"end":211.14,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004045478999614716},{"word":"our","start":211.14,"end":211.46,"confidence":0.9970703,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.018059976398944855},{"word":"application","start":211.46,"end":211.96,"confidence":0.73620605,"punctuated_word":"application.","sentiment":"neutral","sentiment_score":-0.025826042518019676},{"word":"is","start":212.18001,"end":212.42001,"confidence":0.9267578,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.048247359693050385},{"word":"that","start":212.42001,"end":212.5,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07193398475646973},{"word":"that's","start":212.58,"end":212.82,"confidence":0.99609375,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.06796687841415405},{"word":"the","start":212.82,"end":213.315,"confidence":0.86328125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08105399459600449},{"word":"yeah","start":218.035,"end":218.535,"confidence":0.7800293,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0665544793009758},{"word":"mhmm","start":223.55501,"end":224.05501,"confidence":0.8947754,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.04119214415550232},{"word":"yep","start":235.77,"end":236.27,"confidence":0.91625977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.007914924062788486},{"word":"mhmm","start":249.32501,"end":249.82501,"confidence":0.9177246,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.055360108613967896},{"word":"yep","start":256.62,"end":257.12,"confidence":0.984375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03645197674632072},{"word":"mhmm","start":269.74,"end":270.24,"confidence":0.98986816,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.11615021526813508},{"word":"yep","start":272.28497,"end":272.78497,"confidence":0.7069092,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.14453551173210144},{"word":"yep","start":296.86002,"end":297.36002,"confidence":0.9223633,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.11506780236959456},{"word":"yes","start":317.995,"end":318.495,"confidence":0.7758789,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.034783974289894104},{"word":"yep","start":339.03497,"end":339.35498,"confidence":0.9770508,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10551568865776062},{"word":"okay","start":339.35498,"end":339.85498,"confidence":0.86694336,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11628498882055284},{"word":"okay","start":346.79498,"end":347.19498,"confidence":0.9499512,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05994460359215736},{"word":"yeah","start":347.19498,"end":347.52,"confidence":0.89331055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02760654129087925},{"word":"yeah","start":351.59998,"end":352.08,"confidence":0.7770996,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14405196905136108},{"word":"cool","start":352.08,"end":352.47998,"confidence":1.0,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.3200262784957886},{"word":"so","start":352.47998,"end":352.8,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0751405581831932},{"word":"does","start":352.8,"end":352.96,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.05407502502202988},{"word":"that","start":352.96,"end":353.12,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11675646156072617},{"word":"mean","start":353.12,"end":353.44,"confidence":1.0,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.08647362887859344},{"word":"then","start":353.44,"end":353.75998,"confidence":0.91259766,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.155203178524971},{"word":"down","start":353.75998,"end":354.08,"confidence":0.9194336,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1259041726589203},{"word":"the","start":354.08,"end":354.24,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06841708719730377},{"word":"track","start":354.24,"end":354.74,"confidence":0.8688965,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.061538904905319214},{"word":"we","start":356.0,"end":356.24,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08345717936754227},{"word":"then","start":356.24,"end":356.72,"confidence":0.99121094,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06667950004339218},{"word":"look","start":356.72,"end":356.96,"confidence":0.8886719,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.060015641152858734},{"word":"again","start":356.96,"end":357.44,"confidence":0.99902344,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.09234356135129929},{"word":"at","start":357.44,"end":357.68,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06298654526472092},{"word":"doing","start":357.68,"end":358.18,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.0732441246509552},{"word":"the","start":359.52,"end":359.75998,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08996723592281342},{"word":"insurance","start":359.75998,"end":360.25998,"confidence":0.9890137,"punctuated_word":"insurance?","sentiment":"neutral","sentiment_score":0.08756649494171143},{"word":"yeah","start":360.615,"end":361.115,"confidence":0.8186035,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07031982392072678},{"word":"yep","start":371.255,"end":371.755,"confidence":0.9091797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14860090613365173},{"word":"yep","start":379.88,"end":380.38,"confidence":0.72265625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1259952038526535},{"word":"yeah","start":401.095,"end":401.595,"confidence":0.66955566,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04006782919168472},{"word":"yeah","start":405.71,"end":406.21,"confidence":0.7758789,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03254948556423187},{"word":"yep","start":408.75,"end":409.25,"confidence":0.88256836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.05841244384646416},{"word":"yes","start":415.94998,"end":416.44998,"confidence":0.87158203,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06438419222831726},{"word":"cool","start":417.55,"end":418.05,"confidence":0.6965332,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.15489335358142853},{"word":"yep","start":419.15,"end":419.31,"confidence":0.6837158,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0004647926834877581},{"word":"keep","start":419.31,"end":419.63,"confidence":0.3395996,"punctuated_word":"Keep","sentiment":"neutral","sentiment_score":-0.013557648286223412},{"word":"that","start":419.63,"end":420.13,"confidence":0.79296875,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.004884262569248676},{"word":"yes","start":420.59,"end":420.945,"confidence":0.9812012,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.051296405494213104},{"word":"cool","start":421.98502,"end":422.465,"confidence":0.9692383,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.32651686668395996},{"word":"yep","start":422.465,"end":422.785,"confidence":0.83740234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.26902955770492554},{"word":"that's","start":422.785,"end":423.025,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5090875029563904},{"word":"good","start":423.025,"end":423.525,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5711718797683716},{"word":"and","start":424.785,"end":424.86502,"confidence":0.8964844,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.022964995354413983},{"word":"then","start":424.86502,"end":425.36502,"confidence":0.7480469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0221707820892334},{"word":"sorry","start":426.86502,"end":427.02502,"confidence":0.9042969,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.03287884220480919},{"word":"also","start":427.02502,"end":427.185,"confidence":0.751709,"punctuated_word":"Also,","sentiment":"neutral","sentiment_score":-0.029478928074240685},{"word":"just","start":427.185,"end":427.685,"confidence":0.84765625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02003774233162403},{"word":"slightly","start":429.42502,"end":429.745,"confidence":0.9760742,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":-0.037574414163827896},{"word":"different","start":429.745,"end":430.065,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.03638052940368652},{"word":"but","start":430.065,"end":430.225,"confidence":0.5439453,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.027456730604171753},{"word":"still","start":430.225,"end":430.385,"confidence":0.9951172,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.030959658324718475},{"word":"on","start":430.385,"end":430.625,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.021720822900533676},{"word":"super","start":430.625,"end":431.125,"confidence":0.74194336,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.004683319479227066},{"word":"i","start":431.825,"end":431.98502,"confidence":0.89990234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.014657212421298029},{"word":"have","start":431.98502,"end":432.305,"confidence":0.9770508,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.008111640810966492},{"word":"submitted","start":432.305,"end":432.805,"confidence":1.0,"punctuated_word":"submitted","sentiment":"neutral","sentiment_score":-0.016368042677640915},{"word":"my","start":432.945,"end":433.445,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.006579503417015076},{"word":"documentation","start":433.58502,"end":434.08502,"confidence":0.9597168,"punctuated_word":"documentation,","sentiment":"neutral","sentiment_score":-0.020618895068764687},{"word":"like","start":435.81,"end":436.13,"confidence":0.9296875,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.01770029030740261},{"word":"to","start":436.13,"end":436.37,"confidence":0.87060547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005281608551740646},{"word":"the","start":436.37,"end":436.53,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00516277551651001},{"word":"department","start":436.53,"end":437.01,"confidence":0.99902344,"punctuated_word":"department","sentiment":"neutral","sentiment_score":-0.005484268069267273},{"word":"to","start":437.01,"end":437.17,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.005893152207136154},{"word":"get","start":437.17,"end":437.49002,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0038956552743911743},{"word":"the","start":437.49002,"end":437.73,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.003946524113416672},{"word":"super","start":437.73,"end":438.13,"confidence":0.85839844,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.0034824907779693604},{"word":"changed","start":438.13,"end":438.61002,"confidence":0.7841797,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.02686081081628799},{"word":"over","start":438.61002,"end":439.11002,"confidence":0.92871094,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":0.008381381630897522},{"word":"and","start":441.01,"end":441.25,"confidence":0.6616211,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.003976397216320038},{"word":"it","start":441.25,"end":441.41,"confidence":0.98535156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.012039225548505785},{"word":"does","start":441.41,"end":441.57,"confidence":0.98095703,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.00027269497513771057},{"word":"say","start":441.57,"end":441.81,"confidence":0.9941406,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.006649591028690338},{"word":"on","start":441.81,"end":441.97,"confidence":0.9838867,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.004837267100811005},{"word":"my","start":441.97,"end":442.13,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.004877146333456039},{"word":"payslip","start":442.13,"end":442.61002,"confidence":0.85913086,"punctuated_word":"payslip","sentiment":"neutral","sentiment_score":0.006608884781599045},{"word":"that","start":442.61002,"end":442.85,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.024981334805488583},{"word":"it","start":442.85,"end":442.93,"confidence":0.96875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0026436522603034973},{"word":"has","start":442.93,"end":443.17,"confidence":0.9716797,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.005936093628406525},{"word":"been","start":443.17,"end":443.33002,"confidence":0.984375,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.015378747135400772},{"word":"changed","start":443.33002,"end":443.65,"confidence":0.9941406,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.006067920476198196},{"word":"right","start":443.65,"end":443.89,"confidence":0.5229492,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.00522816926240921},{"word":"apart","start":443.89,"end":444.13,"confidence":0.576416,"punctuated_word":"apart,","sentiment":"neutral","sentiment_score":-0.0209073219448328},{"word":"but","start":444.13,"end":444.29,"confidence":0.93603516,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.038032133132219315},{"word":"it","start":444.29,"end":444.37,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07761712372303009},{"word":"hasn't","start":444.37,"end":444.77002,"confidence":0.99658203,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.06511421501636505},{"word":"hit","start":444.77002,"end":445.27002,"confidence":0.95410156,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":-0.07582832127809525},{"word":"the","start":446.13,"end":446.29,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07486046850681305},{"word":"the","start":446.29,"end":446.37,"confidence":0.9536133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.045272842049598694},{"word":"hub","start":446.37,"end":446.53,"confidence":0.43237305,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":-0.002066545188426971},{"word":"twenty","start":446.53,"end":446.85,"confidence":0.98828125,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.013181064277887344},{"word":"four","start":446.85,"end":447.01,"confidence":0.99121094,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.02172962576150894},{"word":"bank","start":447.01,"end":447.25,"confidence":0.796875,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.029862944036722183},{"word":"account","start":447.25,"end":447.49,"confidence":0.96875,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.03558104857802391},{"word":"yet","start":447.49,"end":447.975,"confidence":0.9909668,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.03522121533751488},{"word":"so","start":448.135,"end":448.255,"confidence":0.6459961,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.005629759281873703},{"word":"if","start":448.255,"end":448.375,"confidence":0.46557617,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0024812696501612663},{"word":"that","start":448.375,"end":448.45502,"confidence":0.78222656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.006057027727365494},{"word":"went","start":448.45502,"end":448.695,"confidence":0.9243164,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.0008462145924568176},{"word":"through","start":448.695,"end":449.015,"confidence":0.8022461,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":-0.012024976313114166},{"word":"do","start":449.015,"end":449.095,"confidence":0.9243164,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.021400611847639084},{"word":"you","start":449.095,"end":449.17502,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02749418094754219},{"word":"want","start":449.17502,"end":449.255,"confidence":0.9970703,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.03378928080201149},{"word":"me","start":449.255,"end":449.415,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.016207396984100342},{"word":"to","start":449.415,"end":449.495,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.006957687437534332},{"word":"send","start":449.495,"end":449.655,"confidence":0.9980469,"punctuated_word":"send","sentiment":"neutral","sentiment_score":-0.004319563508033752},{"word":"you","start":449.655,"end":449.815,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0038413330912590023},{"word":"an","start":449.815,"end":449.975,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.02392183244228363},{"word":"email","start":449.975,"end":450.215,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.009842373430728912},{"word":"and","start":450.215,"end":450.375,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.010193325579166412},{"word":"say","start":450.375,"end":450.535,"confidence":0.99609375,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.048804931342601776},{"word":"that","start":450.535,"end":450.695,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.033150676637887955},{"word":"it","start":450.695,"end":450.855,"confidence":0.9560547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07953943312168121},{"word":"like","start":450.935,"end":451.095,"confidence":0.9008789,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06830806285142899},{"word":"it's","start":451.095,"end":451.255,"confidence":0.9926758,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.10295402258634569},{"word":"all","start":451.255,"end":451.415,"confidence":0.97509766,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.11658412218093872},{"word":"been","start":451.415,"end":451.815,"confidence":0.97265625,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.04074352979660034},{"word":"oh","start":454.135,"end":454.375,"confidence":0.9577637,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.06082042306661606},{"word":"you","start":454.375,"end":454.535,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.045420363545417786},{"word":"can","start":454.535,"end":454.695,"confidence":0.99316406,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.046084169298410416},{"word":"check","start":454.695,"end":454.855,"confidence":0.98828125,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.06197123229503632},{"word":"that","start":454.855,"end":455.095,"confidence":0.9140625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.034526534378528595},{"word":"now","start":455.095,"end":455.495,"confidence":0.87939453,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.0490434467792511},{"word":"yep","start":455.495,"end":455.995,"confidence":0.8972168,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10994017124176024},{"word":"cool","start":458.375,"end":458.875,"confidence":0.74658203,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.48214736580848694},{"word":"yeah","start":479.11502,"end":479.435,"confidence":0.953125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06987209618091583},{"word":"i","start":479.435,"end":479.515,"confidence":0.35742188,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04542764648795128},{"word":"guess","start":479.515,"end":479.755,"confidence":0.24053955,"punctuated_word":"guess.","sentiment":"neutral","sentiment_score":0.07406755536794662},{"word":"i","start":479.755,"end":479.83502,"confidence":0.40063477,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04941045865416527},{"word":"mean","start":479.83502,"end":479.995,"confidence":0.80126953,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.04773513972759247},{"word":"that's","start":479.995,"end":480.23502,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08664783835411072},{"word":"why","start":480.23502,"end":480.355,"confidence":0.9951172,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.06803859770298004},{"word":"i","start":480.355,"end":480.475,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19260036945343015},{"word":"like","start":480.475,"end":480.715,"confidence":0.72998047,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1820817589759827},{"word":"to","start":480.715,"end":480.95502,"confidence":0.8063965,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.06321310251951218},{"word":"like","start":480.95502,"end":481.45502,"confidence":0.967041,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0733901634812355},{"word":"make","start":481.515,"end":481.755,"confidence":0.95703125,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05308717116713524},{"word":"sure","start":481.755,"end":481.995,"confidence":0.9980469,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.04186449572443962},{"word":"it's","start":481.995,"end":482.155,"confidence":0.94750977,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0926726683974266},{"word":"all","start":482.155,"end":482.39502,"confidence":0.8198242,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.08737030625343323},{"word":"good","start":482.39502,"end":482.89502,"confidence":0.7849121,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2566620707511902},{"word":"yeah","start":494.85,"end":495.17,"confidence":0.7858887,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.12927938997745514},{"word":"exactly","start":495.17,"end":495.67,"confidence":0.9904785,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":-0.17315809428691864},{"word":"yes","start":535.54,"end":535.62,"confidence":0.9790039,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.015439942479133606},{"word":"no","start":535.62,"end":536.12,"confidence":0.91259766,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.3292750120162964},{"word":"yep","start":544.335,"end":544.835,"confidence":0.8054199,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.27867642045021057},{"word":"cool","start":546.09503,"end":546.41504,"confidence":0.9885254,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.5969791412353516},{"word":"brilliant","start":546.41504,"end":546.91504,"confidence":0.9995117,"punctuated_word":"Brilliant.","sentiment":"positive","sentiment_score":0.6448568105697632},{"word":"so","start":547.695,"end":547.85504,"confidence":0.69433594,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13379217684268951},{"word":"if","start":547.85504,"end":548.015,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09788454324007034},{"word":"i","start":548.015,"end":548.17505,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08987084031105042},{"word":"just","start":548.17505,"end":548.495,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08914107084274292},{"word":"send","start":548.495,"end":548.655,"confidence":0.9951172,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.047157034277915955},{"word":"an","start":548.655,"end":548.895,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0438104122877121},{"word":"email","start":548.895,"end":549.215,"confidence":0.9350586,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.06441248953342438},{"word":"do","start":549.215,"end":549.29504,"confidence":0.9375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.030766643583774567},{"word":"i","start":549.29504,"end":549.375,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0487634614109993},{"word":"just","start":549.375,"end":549.53503,"confidence":0.6616211,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04848674684762955},{"word":"send","start":549.53503,"end":549.695,"confidence":0.9951172,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.047998227179050446},{"word":"it","start":549.695,"end":549.85504,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.038869090378284454},{"word":"directly","start":549.85504,"end":550.255,"confidence":1.0,"punctuated_word":"directly","sentiment":"neutral","sentiment_score":0.03670116886496544},{"word":"to","start":550.255,"end":550.41504,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05133387818932533},{"word":"you","start":550.41504,"end":550.655,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06998519599437714},{"word":"or","start":550.655,"end":550.815,"confidence":0.88183594,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.032220155000686646},{"word":"just","start":550.815,"end":551.055,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04921871796250343},{"word":"to","start":551.055,"end":551.215,"confidence":0.92041016,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.04548295959830284},{"word":"like","start":551.215,"end":551.61,"confidence":0.98657227,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05030279234051704},{"word":"madison","start":552.17,"end":552.64996,"confidence":0.5234375,"punctuated_word":"Madison","sentiment":"neutral","sentiment_score":0.020561788231134415},{"word":"or","start":552.64996,"end":552.89,"confidence":0.6699219,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02168515883386135},{"word":"yep","start":557.45,"end":557.76996,"confidence":0.9604492,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.04524781182408333},{"word":"oh","start":557.76996,"end":558.01,"confidence":0.97436523,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.04162796959280968},{"word":"yes","start":558.01,"end":558.51,"confidence":0.86279297,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.03825746476650238},{"word":"yep","start":559.69,"end":560.19,"confidence":0.9069824,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05051290988922119},{"word":"mhmm","start":562.81,"end":563.31,"confidence":0.9470215,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03782094269990921},{"word":"yep","start":564.25,"end":564.64996,"confidence":0.9753418,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1654486358165741},{"word":"brilliant","start":564.64996,"end":565.14996,"confidence":0.99853516,"punctuated_word":"Brilliant.","sentiment":"positive","sentiment_score":0.4129376411437988},{"word":"cool","start":565.20996,"end":565.695,"confidence":0.99902344,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.30802834033966064},{"word":"yeah","start":565.775,"end":565.855,"confidence":0.7167969,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16031719744205475},{"word":"yeah","start":565.855,"end":566.09503,"confidence":0.9326172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11294439435005188},{"word":"like","start":566.09503,"end":566.135,"confidence":0.59472656,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":0.07651438564062119},{"word":"i","start":566.135,"end":566.175,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07703522592782974},{"word":"said","start":566.175,"end":566.415,"confidence":0.9914551,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.08793434500694275},{"word":"i'll","start":566.415,"end":566.575,"confidence":0.9941406,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0945497304201126},{"word":"keep","start":566.575,"end":566.735,"confidence":0.9970703,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.0960809290409088},{"word":"an","start":566.735,"end":566.815,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08979157358407974},{"word":"eye","start":566.815,"end":566.97504,"confidence":1.0,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.0798175260424614},{"word":"on","start":566.97504,"end":567.135,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09294286370277403},{"word":"it","start":567.135,"end":567.215,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09930560737848282},{"word":"and","start":567.215,"end":567.375,"confidence":0.5263672,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07495544850826263},{"word":"then","start":567.375,"end":567.53503,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06697224080562592},{"word":"yeah","start":567.695,"end":567.935,"confidence":0.99121094,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07356524467468262},{"word":"go","start":567.935,"end":568.175,"confidence":0.82714844,"punctuated_word":"Go","sentiment":"neutral","sentiment_score":0.05503585562109947},{"word":"by","start":568.175,"end":568.335,"confidence":0.64404297,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.03448756784200668},{"word":"checking","start":568.335,"end":568.835,"confidence":0.9873047,"punctuated_word":"checking.","sentiment":"neutral","sentiment_score":0.05644455552101135},{"word":"yep","start":605.91504,"end":606.09,"confidence":0.7319336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06412501633167267},{"word":"yep","start":617.93005,"end":618.43005,"confidence":0.953125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05287365242838859},{"word":"yep","start":626.375,"end":626.775,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18562458455562592},{"word":"brilliant","start":626.775,"end":627.255,"confidence":0.9980469,"punctuated_word":"Brilliant.","sentiment":"positive","sentiment_score":0.4624705910682678},{"word":"thank","start":627.255,"end":627.415,"confidence":0.9902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6087208986282349},{"word":"you","start":627.415,"end":627.575,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6059694886207581},{"word":"for","start":627.575,"end":627.735,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6790471076965332},{"word":"that","start":627.735,"end":628.235,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.6412498950958252},{"word":"yeah","start":633.575,"end":633.815,"confidence":0.98217773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05341427028179169},{"word":"it","start":633.815,"end":633.895,"confidence":0.8618164,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.02950860559940338},{"word":"seems","start":633.895,"end":634.135,"confidence":0.984375,"punctuated_word":"seems","sentiment":"neutral","sentiment_score":0.040455933660268784},{"word":"to","start":634.135,"end":634.215,"confidence":0.9267578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.018363511189818386},{"word":"have","start":634.215,"end":634.455,"confidence":0.95410156,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01677866093814373},{"word":"been","start":634.455,"end":634.695,"confidence":0.9970703,"punctuated_word":"been.","sentiment":"neutral","sentiment_score":0.03152722865343094},{"word":"yeah","start":634.695,"end":635.04,"confidence":0.98706055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06515663862228394},{"word":"yeah","start":635.92,"end":636.32,"confidence":0.86572266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08468763530254364},{"word":"seems","start":636.32,"end":636.36,"confidence":0.64697266,"punctuated_word":"Seems","sentiment":"neutral","sentiment_score":0.11915414780378342},{"word":"so","start":636.36,"end":636.39996,"confidence":0.89086914,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.11958764493465424},{"word":"so","start":636.39996,"end":636.89996,"confidence":0.96777344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15683859586715698},{"word":"everything's","start":637.6,"end":638.0,"confidence":0.90185547,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":0.3317487835884094},{"word":"going","start":638.0,"end":638.24,"confidence":0.97509766,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.4888072311878204},{"word":"well","start":638.24,"end":638.74,"confidence":0.78759766,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.4380045533180237},{"word":"yes","start":645.12,"end":645.4769,"confidence":0.85058594,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.23182305693626404},{"word":"yep","start":650.11694,"end":650.5169,"confidence":0.80810547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23221421241760257},{"word":"will","start":650.5169,"end":650.8369,"confidence":0.6381836,"punctuated_word":"Will","sentiment":"positive","sentiment_score":0.3590032160282135},{"word":"do","start":650.8369,"end":650.99695,"confidence":0.90405273,"punctuated_word":"do.","sentiment":"positive","sentiment_score":0.3966590166091919},{"word":"same","start":650.99695,"end":651.23694,"confidence":0.97998047,"punctuated_word":"Same","sentiment":"positive","sentiment_score":0.5023360848426819},{"word":"to","start":651.23694,"end":651.31696,"confidence":0.9873047,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6031671166419983},{"word":"you","start":651.31696,"end":651.3969,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5009498000144958},{"word":"thank","start":651.3969,"end":651.55695,"confidence":0.9951172,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8137319684028625},{"word":"you","start":651.55695,"end":651.6369,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8261294364929199},{"word":"so","start":651.6369,"end":651.79694,"confidence":0.50683594,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7923356890678406},{"word":"much","start":651.79694,"end":652.29694,"confidence":0.9995117,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.7975630760192871},{"word":"thanks","start":653.3969,"end":653.7169,"confidence":0.95703125,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5862356424331665},{"word":"bye","start":653.7169,"end":654.2169,"confidence":0.9658203,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.1250169575214386}],"paragraphs":{"transcript":"\nHello. Emma speaking. Good. Thank you. How are you?\n\nOh, no. It moved me. Yeah. But that's totally fine. Yeah.\n\nExactly. It's insane. Yep. Yes. No.\n\nNo. I yeah. Is that the answer I want? So it's yeah. So sorry.\n\nI just so am am I able to work? Was that it? The you can office work. Yep. No.\n\nYes. It was just that I got caught up with the whole, like, being part time and maternity leave, but that's not what the question is asking. Yeah. Yeah. Yeah.\n\nYeah. I just my brain is not switched on. No. No. No.\n\nThat's that's totally fine. I was yeah. Just yes. That that that is truthful, and that's the answer we want. Yep.\n\nYes. That is true. No. Okay. Yeah.\n\nYep. Cool. So does this so this just gives a little bit more evidence to to our application. Is that that's the yeah. Mhmm.\n\nYep. Mhmm. Yep. Mhmm. Yep.\n\nYep. Yes. Yep. Okay. Okay.\n\nYeah. Yeah. Cool. So does that mean then down the track, we then look again at doing the insurance? Yeah.\n\nYep. Yep. Yeah. Yeah. Yep.\n\nYes. Cool. Yep. Keep that. Yes.\n\nCool. Yep. That's good. And then sorry. Also, just slightly different but still on super.\n\nI have submitted my documentation, like, to the department to get the super changed over. And it does say on my payslip that it has been changed right apart, but it hasn't hit the the hub twenty four bank account yet. So if that went through, do you want me to send you an email and say that it like, it's all been oh, you can check that now? Yep. Cool.\n\nYeah. I guess. I mean, that's why I like to, like, make sure it's all good. Yeah. Exactly.\n\nYes. No. Yep. Cool. Brilliant.\n\nSo if I just send an email, do I just send it directly to you or just to, like, Madison or yep. Oh, yes. Yep. Mhmm. Yep.\n\nBrilliant. Cool. Yeah. Yeah. Like I said, I'll keep an eye on it and then yeah.\n\nGo by checking. Yep. Yep. Yep. Brilliant.\n\nThank you for that. Yeah. It seems to have been. Yeah. Yeah.\n\nSeems so. So everything's going well. Yes. Yep. Will do.\n\nSame to you. Thank you so much. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.68,"end":1.92,"sentiment":"neutral","sentiment_score":0.029044747352600098},{"text":"Emma speaking.","start":1.92,"end":2.74,"sentiment":"neutral","sentiment_score":0.027108628302812576},{"text":"Good.","start":6.96,"end":7.2,"sentiment":"positive","sentiment_score":0.48426923155784607},{"text":"Thank you.","start":7.2,"end":7.6,"sentiment":"positive","sentiment_score":0.5515077412128448},{"text":"How are you?","start":7.6,"end":8.34,"sentiment":"neutral","sentiment_score":0.28445930282274884}],"sentiment":"neutral","sentiment_score":0.28043606960111195,"num_words":9,"start":1.68,"end":8.34},{"sentences":[{"text":"Oh, no.","start":17.095,"end":17.675,"sentiment":"neutral","sentiment_score":-0.2732473909854889},{"text":"It moved me.","start":19.414999,"end":20.535,"sentiment":"neutral","sentiment_score":-0.1708633080124855},{"text":"Yeah.","start":20.535,"end":21.035,"sentiment":"neutral","sentiment_score":-0.0001372024416923523},{"text":"But that's totally fine.","start":21.095,"end":22.395,"sentiment":"neutral","sentiment_score":0.06681934371590614},{"text":"Yeah.","start":27.095,"end":27.415,"sentiment":"neutral","sentiment_score":-0.034541450440883636}],"sentiment":"neutral","sentiment_score":-0.07513508945703506,"num_words":11,"start":17.095,"end":27.415},{"sentences":[{"text":"Exactly.","start":27.415,"end":27.915,"sentiment":"neutral","sentiment_score":-0.10321716964244844},{"text":"It's insane.","start":28.055,"end":28.875,"sentiment":"neutral","sentiment_score":-0.3241172283887863},{"text":"Yep.","start":42.98,"end":43.48,"sentiment":"neutral","sentiment_score":0.002100609941408038},{"text":"Yes.","start":44.1,"end":44.475,"sentiment":"neutral","sentiment_score":0.0014038300141692162},{"text":"No.","start":57.914997,"end":58.38,"sentiment":"neutral","sentiment_score":-0.08521483093500137}],"sentiment":"neutral","sentiment_score":-0.13886033623324087,"num_words":6,"start":27.415,"end":58.38},{"sentences":[{"text":"No.","start":58.620003,"end":59.120003,"sentiment":"neutral","sentiment_score":-0.08035406470298767},{"text":"I yeah.","start":59.340004,"end":60.46,"sentiment":"neutral","sentiment_score":-0.02939515747129917},{"text":"Is that the answer I want?","start":60.46,"end":61.68,"sentiment":"neutral","sentiment_score":-0.01833380324145158},{"text":"So it's yeah.","start":62.62,"end":67.6,"sentiment":"neutral","sentiment_score":-0.014928126086791357},{"text":"So sorry.","start":68.380005,"end":69.26,"sentiment":"neutral","sentiment_score":-0.04562804102897644}],"sentiment":"neutral","sentiment_score":-0.027513404243758748,"num_words":14,"start":58.620003,"end":69.26},{"sentences":[{"text":"I just so am am I able to work?","start":69.26,"end":72.825,"sentiment":"neutral","sentiment_score":-0.047460679792695575},{"text":"Was that it?","start":72.825,"end":73.625,"sentiment":"neutral","sentiment_score":-0.03887158383925756},{"text":"The you can office work.","start":73.625,"end":78.685,"sentiment":"neutral","sentiment_score":-0.03516291417181492},{"text":"Yep.","start":78.745,"end":79.245,"sentiment":"neutral","sentiment_score":-0.020980820059776303},{"text":"No.","start":86.185,"end":86.585,"sentiment":"neutral","sentiment_score":-0.09943746030330658}],"sentiment":"neutral","sentiment_score":-0.044210195835483704,"num_words":19,"start":69.26,"end":86.585},{"sentences":[{"text":"Yes.","start":86.585,"end":86.94,"sentiment":"neutral","sentiment_score":-0.01138366013765335},{"text":"It was just that I got caught up with the whole, like, being part time and maternity leave, but that's not what the question is asking.","start":87.18,"end":93.76,"sentiment":"neutral","sentiment_score":-0.09370605160410587},{"text":"Yeah.","start":94.54,"end":95.04,"sentiment":"neutral","sentiment_score":-0.010136747732758522},{"text":"Yeah.","start":95.58,"end":96.08,"sentiment":"neutral","sentiment_score":0.009891952387988567},{"text":"Yeah.","start":97.740005,"end":98.240005,"sentiment":"neutral","sentiment_score":0.1431715190410614}],"sentiment":"neutral","sentiment_score":-0.07682714260493716,"num_words":30,"start":86.585,"end":98.240005},{"sentences":[{"text":"Yeah.","start":100.94,"end":101.415,"sentiment":"neutral","sentiment_score":0.019274229183793068},{"text":"I just my brain is not switched on.","start":101.575005,"end":103.675,"sentiment":"neutral","sentiment_score":-0.07201899727806449},{"text":"No.","start":107.495,"end":107.655,"sentiment":"neutral","sentiment_score":-0.161706805229187},{"text":"No.","start":107.655,"end":107.815,"sentiment":"neutral","sentiment_score":-0.1623336225748062},{"text":"No.","start":107.815,"end":107.975,"sentiment":"neutral","sentiment_score":-0.1421608030796051}],"sentiment":"neutral","sentiment_score":-0.0852565816603601,"num_words":12,"start":100.94,"end":107.975},{"sentences":[{"text":"That's that's totally fine.","start":107.975,"end":109.255,"sentiment":"neutral","sentiment_score":0.12594280019402504},{"text":"I was yeah.","start":109.255,"end":109.895004,"sentiment":"neutral","sentiment_score":0.1325236956278483},{"text":"Just yes.","start":109.895004,"end":111.495,"sentiment":"neutral","sentiment_score":0.1470707803964615},{"text":"That that that is truthful, and that's the answer we want.","start":111.495,"end":114.29,"sentiment":"neutral","sentiment_score":0.2781963578679345},{"text":"Yep.","start":120.7125,"end":121.2125,"sentiment":"neutral","sentiment_score":-0.012675197795033457}],"sentiment":"neutral","sentiment_score":0.20204612320022924,"num_words":21,"start":107.975,"end":121.2125},{"sentences":[{"text":"Yes.","start":141.795,"end":142.035,"sentiment":"neutral","sentiment_score":0.05019238591194153},{"text":"That is true.","start":142.035,"end":142.86,"sentiment":"neutral","sentiment_score":0.1302768513560295},{"text":"No.","start":153.66,"end":154.16,"sentiment":"neutral","sentiment_score":-0.06060708686709404},{"text":"Okay.","start":201.14,"end":201.46,"sentiment":"neutral","sentiment_score":-0.03387786075472832},{"text":"Yeah.","start":201.46,"end":201.96,"sentiment":"neutral","sentiment_score":-0.02599913999438286}],"sentiment":"neutral","sentiment_score":0.04579126462340355,"num_words":7,"start":141.795,"end":201.96},{"sentences":[{"text":"Yep.","start":204.34001,"end":204.82,"sentiment":"neutral","sentiment_score":0.07627463340759277},{"text":"Cool.","start":204.82,"end":205.32,"sentiment":"neutral","sentiment_score":0.10748611390590668},{"text":"So does this so this just gives a little bit more evidence to to our application.","start":205.38,"end":211.96,"sentiment":"neutral","sentiment_score":-0.0018110373057425024},{"text":"Is that that's the yeah.","start":212.18001,"end":218.535,"sentiment":"neutral","sentiment_score":-0.06715133935213088},{"text":"Mhmm.","start":223.55501,"end":224.05501,"sentiment":"neutral","sentiment_score":-0.04119214415550232}],"sentiment":"neutral","sentiment_score":-0.009256862103939056,"num_words":24,"start":204.34001,"end":224.05501},{"sentences":[{"text":"Yep.","start":235.77,"end":236.27,"sentiment":"neutral","sentiment_score":-0.007914924062788486},{"text":"Mhmm.","start":249.32501,"end":249.82501,"sentiment":"neutral","sentiment_score":-0.055360108613967896},{"text":"Yep.","start":256.62,"end":257.12,"sentiment":"neutral","sentiment_score":-0.03645197674632072},{"text":"Mhmm.","start":269.74,"end":270.24,"sentiment":"neutral","sentiment_score":-0.11615021526813508},{"text":"Yep.","start":272.28497,"end":272.78497,"sentiment":"neutral","sentiment_score":-0.14453551173210144}],"sentiment":"neutral","sentiment_score":-0.07208254728466272,"num_words":5,"start":235.77,"end":272.78497},{"sentences":[{"text":"Yep.","start":296.86002,"end":297.36002,"sentiment":"neutral","sentiment_score":-0.11506780236959456},{"text":"Yes.","start":317.995,"end":318.495,"sentiment":"neutral","sentiment_score":0.034783974289894104},{"text":"Yep.","start":339.03497,"end":339.35498,"sentiment":"neutral","sentiment_score":0.10551568865776062},{"text":"Okay.","start":339.35498,"end":339.85498,"sentiment":"neutral","sentiment_score":0.11628498882055284},{"text":"Okay.","start":346.79498,"end":347.19498,"sentiment":"neutral","sentiment_score":0.05994460359215736}],"sentiment":"neutral","sentiment_score":0.040292290598154076,"num_words":5,"start":296.86002,"end":347.19498},{"sentences":[{"text":"Yeah.","start":347.19498,"end":347.52,"sentiment":"neutral","sentiment_score":0.02760654129087925},{"text":"Yeah.","start":351.59998,"end":352.08,"sentiment":"neutral","sentiment_score":0.14405196905136108},{"text":"Cool.","start":352.08,"end":352.47998,"sentiment":"neutral","sentiment_score":0.3200262784957886},{"text":"So does that mean then down the track, we then look again at doing the insurance?","start":352.47998,"end":360.25998,"sentiment":"neutral","sentiment_score":0.0849855812266469},{"text":"Yeah.","start":360.615,"end":361.115,"sentiment":"neutral","sentiment_score":0.07031982392072678}],"sentiment":"neutral","sentiment_score":0.0960886956192553,"num_words":20,"start":347.19498,"end":361.115},{"sentences":[{"text":"Yep.","start":371.255,"end":371.755,"sentiment":"neutral","sentiment_score":0.14860090613365173},{"text":"Yep.","start":379.88,"end":380.38,"sentiment":"neutral","sentiment_score":0.1259952038526535},{"text":"Yeah.","start":401.095,"end":401.595,"sentiment":"neutral","sentiment_score":-0.04006782919168472},{"text":"Yeah.","start":405.71,"end":406.21,"sentiment":"neutral","sentiment_score":-0.03254948556423187},{"text":"Yep.","start":408.75,"end":409.25,"sentiment":"neutral","sentiment_score":-0.05841244384646416}],"sentiment":"neutral","sentiment_score":0.028713270276784896,"num_words":5,"start":371.255,"end":409.25},{"sentences":[{"text":"Yes.","start":415.94998,"end":416.44998,"sentiment":"neutral","sentiment_score":0.06438419222831726},{"text":"Cool.","start":417.55,"end":418.05,"sentiment":"neutral","sentiment_score":0.15489335358142853},{"text":"Yep.","start":419.15,"end":419.31,"sentiment":"neutral","sentiment_score":0.0004647926834877581},{"text":"Keep that.","start":419.31,"end":420.13,"sentiment":"neutral","sentiment_score":-0.009220955427736044},{"text":"Yes.","start":420.59,"end":420.945,"sentiment":"neutral","sentiment_score":0.051296405494213104}],"sentiment":"neutral","sentiment_score":0.042099472188662425,"num_words":6,"start":415.94998,"end":420.945},{"sentences":[{"text":"Cool.","start":421.98502,"end":422.465,"sentiment":"neutral","sentiment_score":0.32651686668395996},{"text":"Yep.","start":422.465,"end":422.785,"sentiment":"neutral","sentiment_score":0.26902955770492554},{"text":"That's good.","start":422.785,"end":423.525,"sentiment":"positive","sentiment_score":0.540129691362381},{"text":"And then sorry.","start":424.785,"end":427.02502,"sentiment":"neutral","sentiment_score":0.004085645079612732},{"text":"Also, just slightly different but still on super.","start":427.02502,"end":431.125,"sentiment":"neutral","sentiment_score":-0.024865688290446997}],"sentiment":"neutral","sentiment_score":0.09927581573526065,"num_words":15,"start":421.98502,"end":431.125},{"sentences":[{"text":"I have submitted my documentation, like, to the department to get the super changed over.","start":431.825,"end":439.11002,"sentiment":"neutral","sentiment_score":-0.004294111207127571},{"text":"And it does say on my payslip that it has been changed right apart, but it hasn't hit the the hub twenty four bank account yet.","start":441.01,"end":447.975,"sentiment":"neutral","sentiment_score":-0.022299807733641222},{"text":"So if that went through, do you want me to send you an email and say that it like, it's all been oh, you can check that now?","start":448.135,"end":455.495,"sentiment":"neutral","sentiment_score":0.024491932209847227},{"text":"Yep.","start":455.495,"end":455.995,"sentiment":"neutral","sentiment_score":0.10994017124176024},{"text":"Cool.","start":458.375,"end":458.875,"sentiment":"positive","sentiment_score":0.48214736580848694}],"sentiment":"neutral","sentiment_score":0.008924717883723723,"num_words":71,"start":431.825,"end":458.875},{"sentences":[{"text":"Yeah.","start":479.11502,"end":479.435,"sentiment":"neutral","sentiment_score":0.06987209618091583},{"text":"I guess.","start":479.435,"end":479.755,"sentiment":"neutral","sentiment_score":0.05974760092794895},{"text":"I mean, that's why I like to, like, make sure it's all good.","start":479.755,"end":482.89502,"sentiment":"neutral","sentiment_score":0.09959801085866414},{"text":"Yeah.","start":494.85,"end":495.17,"sentiment":"neutral","sentiment_score":-0.12927938997745514},{"text":"Exactly.","start":495.17,"end":495.67,"sentiment":"neutral","sentiment_score":-0.17315809428691864}],"sentiment":"neutral","sentiment_score":0.06565021971861522,"num_words":18,"start":479.11502,"end":495.67},{"sentences":[{"text":"Yes.","start":535.54,"end":535.62,"sentiment":"neutral","sentiment_score":-0.015439942479133606},{"text":"No.","start":535.62,"end":536.12,"sentiment":"neutral","sentiment_score":-0.3292750120162964},{"text":"Yep.","start":544.335,"end":544.835,"sentiment":"neutral","sentiment_score":0.27867642045021057},{"text":"Cool.","start":546.09503,"end":546.41504,"sentiment":"positive","sentiment_score":0.5969791412353516},{"text":"Brilliant.","start":546.41504,"end":546.91504,"sentiment":"positive","sentiment_score":0.6448568105697632}],"sentiment":"neutral","sentiment_score":0.23515948355197908,"num_words":5,"start":535.54,"end":546.91504},{"sentences":[{"text":"So if I just send an email, do I just send it directly to you or just to, like, Madison or yep.","start":547.695,"end":557.76996,"sentiment":"neutral","sentiment_score":0.05471328925341368},{"text":"Oh, yes.","start":557.76996,"end":558.51,"sentiment":"neutral","sentiment_score":0.03994271717965603},{"text":"Yep.","start":559.69,"end":560.19,"sentiment":"neutral","sentiment_score":0.05051290988922119},{"text":"Mhmm.","start":562.81,"end":563.31,"sentiment":"neutral","sentiment_score":0.03782094269990921},{"text":"Yep.","start":564.25,"end":564.64996,"sentiment":"neutral","sentiment_score":0.1654486358165741}],"sentiment":"neutral","sentiment_score":0.0569392698644488,"num_words":27,"start":547.695,"end":564.64996},{"sentences":[{"text":"Brilliant.","start":564.64996,"end":565.14996,"sentiment":"positive","sentiment_score":0.4129376411437988},{"text":"Cool.","start":565.20996,"end":565.695,"sentiment":"neutral","sentiment_score":0.30802834033966064},{"text":"Yeah.","start":565.775,"end":565.855,"sentiment":"neutral","sentiment_score":0.16031719744205475},{"text":"Yeah.","start":565.855,"end":566.09503,"sentiment":"neutral","sentiment_score":0.11294439435005188},{"text":"Like I said, I'll keep an eye on it and then yeah.","start":566.09503,"end":567.935,"sentiment":"neutral","sentiment_score":0.08412209339439869}],"sentiment":"neutral","sentiment_score":0.1252307933755219,"num_words":16,"start":564.64996,"end":567.935},{"sentences":[{"text":"Go by checking.","start":567.935,"end":568.835,"sentiment":"neutral","sentiment_score":0.048655992994705834},{"text":"Yep.","start":605.91504,"end":606.09,"sentiment":"neutral","sentiment_score":0.06412501633167267},{"text":"Yep.","start":617.93005,"end":618.43005,"sentiment":"neutral","sentiment_score":0.05287365242838859},{"text":"Yep.","start":626.375,"end":626.775,"sentiment":"neutral","sentiment_score":0.18562458455562592},{"text":"Brilliant.","start":626.775,"end":627.255,"sentiment":"positive","sentiment_score":0.4624705910682678}],"sentiment":"neutral","sentiment_score":0.1301516890525818,"num_words":7,"start":567.935,"end":627.255},{"sentences":[{"text":"Thank you for that.","start":627.255,"end":628.235,"sentiment":"positive","sentiment_score":0.6337468475103378},{"text":"Yeah.","start":633.575,"end":633.815,"sentiment":"neutral","sentiment_score":0.05341427028179169},{"text":"It seems to have been.","start":633.815,"end":634.695,"sentiment":"neutral","sentiment_score":0.027326788008213043},{"text":"Yeah.","start":634.695,"end":635.04,"sentiment":"neutral","sentiment_score":0.06515663862228394},{"text":"Yeah.","start":635.92,"end":636.32,"sentiment":"neutral","sentiment_score":0.08468763530254364}],"sentiment":"neutral","sentiment_score":0.23957332285741964,"num_words":12,"start":627.255,"end":636.32},{"sentences":[{"text":"Seems so.","start":636.32,"end":636.39996,"sentiment":"neutral","sentiment_score":0.11937089636921883},{"text":"So everything's going well.","start":636.39996,"end":638.74,"sentiment":"positive","sentiment_score":0.35384979099035263},{"text":"Yes.","start":645.12,"end":645.4769,"sentiment":"neutral","sentiment_score":0.23182305693626404},{"text":"Yep.","start":650.11694,"end":650.5169,"sentiment":"neutral","sentiment_score":0.23221421241760257},{"text":"Will do.","start":650.5169,"end":650.99695,"sentiment":"positive","sentiment_score":0.3778311163187027}],"sentiment":"neutral","sentiment_score":0.28738404586911204,"num_words":10,"start":636.32,"end":650.99695},{"sentences":[{"text":"Same to you.","start":650.99695,"end":651.3969,"sentiment":"positive","sentiment_score":0.5354843338330587},{"text":"Thank you so much.","start":651.3969,"end":652.29694,"sentiment":"positive","sentiment_score":0.8074400424957275},{"text":"Thanks.","start":653.3969,"end":653.7169,"sentiment":"positive","sentiment_score":0.5862356424331665},{"text":"Bye.","start":653.7169,"end":654.2169,"sentiment":"neutral","sentiment_score":-0.1250169575214386}],"sentiment":"positive","sentiment_score":0.5886035395993127,"num_words":9,"start":650.99695,"end":654.2169}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Emma speaking.\n\nChannel 0: Emma, Chevy Todd giving you a call from IP Financial. How are you?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: I am very well. Thank you for asking. I apologize for being three minutes late. I had skid kid's school drop off. So traffic is just getting\n\nChannel 1: Oh, no.\n\nChannel 0: worse and worse by the second.\n\nChannel 1: It\n\nChannel 0: It's crazy.\n\nChannel 1: moved me. Yeah. But that's totally fine.\n\nChannel 0: Yeah. And you probably understand I'm I'm in Mary Mac. So you're just around the corner. But,\n\nChannel 1: Yeah. Exactly. It's insane.\n\nChannel 0: Yeah. It's crazy. So it's like, it's just I don't know where all the humans just came from. It's it's unbelievable. I don't know how they're asking them.\n\nAnyway, I'm just giving you a quick call regarding your six transfer terms eligibility questionnaire. So do\n\nChannel 1: Yep.\n\nChannel 0: you have time now?\n\nChannel 1: Yes.\n\nChannel 0: Or beautiful. Are you currently off work or unable to perform the full and normal duties of the occupation on a full time basis or at least for thirty hours per week at the moment?\n\nChannel 1: No. No. I\n\nChannel 0: Yeah. That's\n\nChannel 1: yeah. Is that the answer I want?\n\nChannel 0: fine. That's the\n\nChannel 1: So\n\nChannel 0: that knows the answer you\n\nChannel 1: it's\n\nChannel 0: want, but but just answer them honestly as honest\n\nChannel 1: yeah.\n\nChannel 0: as you can. Alright?\n\nChannel 1: So sorry. I just so am am I able to work? Was that it? The\n\nChannel 0: Yeah. So are\n\nChannel 1: you\n\nChannel 0: you currently\n\nChannel 1: can\n\nChannel 0: off work, which in March,\n\nChannel 1: office\n\nChannel 0: because\n\nChannel 1: work.\n\nChannel 0: we've been we\n\nChannel 1: Yep.\n\nChannel 0: spoke before? Yep. So are you currently off work or unable to perform the full and normal duties of the occupation? Answer is no. Alright?\n\nChannel 1: No. Yes. It was just\n\nChannel 0: Beautiful.\n\nChannel 1: that I got caught up with the whole, like, being part time and maternity leave, but that's not what the question is asking.\n\nChannel 0: Yeah. No.\n\nChannel 1: Yeah.\n\nChannel 0: Correct. So answer\n\nChannel 1: Yeah.\n\nChannel 0: the exact question, please.\n\nChannel 1: Yeah.\n\nChannel 0: I'll be that'll be very beneficial for all of us.\n\nChannel 1: Yeah.\n\nChannel 0: It's honestly\n\nChannel 1: I just my\n\nChannel 0: and\n\nChannel 1: brain\n\nChannel 0: truthfully\n\nChannel 1: is not switched on.\n\nChannel 0: no. That's alright. Did you want me to call back after you've had a coffee? Or\n\nChannel 1: No. No. No. That's that's totally fine. I was yeah.\n\nJust yes. That that that is\n\nChannel 0: okay.\n\nChannel 1: truthful, and that's the answer we want.\n\nChannel 0: Beautiful. So so question two, have you in the last twelve months been absent from work or unable to\n\nChannel 1: Yep.\n\nChannel 0: fully perform your duties of your usual occupation, whether employed or unemployed, or your unpaid domestic duties if you are unemployed or sole occupation director due to illness or injury. So you weren't working because of maternity leave, but it wasn't because of injury or illness. Right?\n\nChannel 1: Yes. That is true.\n\nChannel 0: Perfect. So have you been diagnosed or do you suffer from an illness that may cause permanent inability to work or because of a terminal illness?\n\nChannel 1: No.\n\nChannel 0: Beautiful. Have you ever had an insurance application for death only, death and total permanent disability, or terminal illness, or income protection cover ever be refused? The answer is no because we withdraw your previous app. Right? So you've never had a decline.\n\nBeautiful. Have you ever been paid or eligible to be paid? You're currently in the process of submitting a claim for any sort of insurance or workers' comp. Beautiful. Last question.\n\nHave you ever had an insurance application for death, death, and total permanent disability, terminal illness, or income protection cover? Have it been modified or opted on nonstandard terms in regards to medical or other conditions? The answer is no because we haven't submitted that first application.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Okay. That's it.\n\nChannel 1: Yep. Cool. So does this so this just gives a little bit more evidence to to our application. Is that that's the\n\nChannel 0: No. No. So so let me just reiterate why I know you're kind of in a in a in a rush before.\n\nChannel 1: yeah.\n\nChannel 0: So let's just go through it again. So when we went through the insurance application, we\n\nChannel 1: Mhmm.\n\nChannel 0: we submitted that with the insurer that we recommended, but that goes to what's called an underwriter. The underwriter for a comprehensive insurance cover, they assess your risk and work\n\nChannel 1: Yep.\n\nChannel 0: with the actuaries to work out what that monetary value of that risk is. K? That's how you get the insurance premium. Now with your situation, because of the personal depression and the the exclusions and the loadings, when\n\nChannel 1: Mhmm.\n\nChannel 0: you get a number that does build up depending on your health and age and stage in life. Right? So\n\nChannel 1: Yep.\n\nChannel 0: because of the the concerns with the bilateral knee excursion, things like that, that's as well as the mental health excursion because of your postnatal depression, which was within the last year and a half probably. Right?\n\nChannel 1: Mhmm.\n\nChannel 0: That means that there's a\n\nChannel 1: Yep.\n\nChannel 0: mental health exclusion, but there's also two knee exclusions. Right? So that's three exclusions in total. If there's three exclusions in total, then it's more than likely too much risk for an insurer to provide you insurance, which is called a decline. Okay?\n\nNow we don't want that to happen, and we wanna withdraw the application before you actually get that formal letter. Okay? Because that's just inquiring. That's not actually going through with the process. Alright?\n\nChannel 1: Yep.\n\nChannel 0: So what we need to do now is we don't want the decline. We won't be able to get covered as adequate for you and your family. So what's the what can we do about? Well, how do we get your super consolidated into one place to get it working harder for you, but at the same time, make sure that you got insurance covered. If not enough, at least some.\n\nChannel 1: Yes.\n\nChannel 0: Right? And that means that we can do what's called takeover terms, which is Hub 24. So Hub 24, the product that we're recommending, actually does what's called takeover terms, where you answer these six questions and we can they can literally take over the terms of the policy that you hold in group cover, which is currently with your current super fund.\n\nChannel 1: Yep.\n\nChannel 0: And then\n\nChannel 1: Okay.\n\nChannel 0: what we can do is just literally move them over, and they're gonna be owned under the platform of Upstream for instead of the existing super fund.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Under the condition that you answer now to all six questions, which you have?\n\nChannel 1: Yeah. Cool. So does that mean then down the track, we then look again at doing the insurance? Yeah.\n\nChannel 0: Correct. Correct. So just right now, I wanna consolidate your funds to, you know, snowball effect compounding returns a beautiful thing. I want don't want two super funds, portion portions in each. I would\n\nChannel 1: Yep.\n\nChannel 0: like to have the it's called a retention strategy where you have the majority of your funds in one place that's working hard and getting better return,\n\nChannel 1: Yep.\n\nChannel 0: tracking for retirement, but then you leave a minimum amount in the previous one. And most most of the most of the time, we do that for, like, government employees, like, doctors where you've got into what's called an EBA, an enterprise bargaining arrangement, where you aren't allowed to pay sup where the employer isn't paying supers or anywhere else other than that one specific fund. But\n\nChannel 1: Yeah.\n\nChannel 0: that, usually, that fund doesn't perform that well because of government. Right?\n\nChannel 1: Yeah.\n\nChannel 0: So that's why we do a retention strategy. But in\n\nChannel 1: Yep.\n\nChannel 0: all cases, a beneficial outcome is not to do. And that's what I'm trying to do. I'm trying to see the best outcome because they may look after your best interest.\n\nChannel 1: Yes.\n\nChannel 0: Okay?\n\nChannel 1: Cool.\n\nChannel 0: Does that make sense? Does that answer\n\nChannel 1: Yep.\n\nChannel 0: your\n\nChannel 1: Keep\n\nChannel 0: question?\n\nChannel 1: that.\n\nChannel 0: Or\n\nChannel 1: Yes.\n\nChannel 0: Beautiful.\n\nChannel 1: Cool. Yep. That's\n\nChannel 0: Amazing.\n\nChannel 1: good.\n\nChannel 0: Amazing. Well, look,\n\nChannel 1: And then\n\nChannel 0: I also sorry. Go on.\n\nChannel 1: sorry. Also, just slightly different but still on super.\n\nChannel 0: Yep.\n\nChannel 1: I have submitted my documentation, like, to the department to get the super changed over.\n\nChannel 0: Yep.\n\nChannel 1: And it does say on my payslip that it has been changed right apart, but it hasn't hit the the hub twenty four bank account yet. So if\n\nChannel 0: That's\n\nChannel 1: that went through, do you want me to send you an email and say that it like, it's all been\n\nChannel 0: alright. We we could check on our site,\n\nChannel 1: oh,\n\nChannel 0: but\n\nChannel 1: you\n\nChannel 0: look,\n\nChannel 1: can\n\nChannel 0: it\n\nChannel 1: check\n\nChannel 0: won't\n\nChannel 1: that\n\nChannel 0: hurt.\n\nChannel 1: now? Yep.\n\nChannel 0: Yeah. Correct. So but but it won't hurt at all. I mean,\n\nChannel 1: Cool.\n\nChannel 0: if you yeah. If you just let us know, if you can see it on your end, you know, it's just that we both if we both carry on checking, you'll be amazed by how many times these the payslip status change. But just admin, you know, the payroll kind of sector, they just they just pay to the same super funds or what, and just someone just doesn't change it. So\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: I guess. I mean, that's why I like\n\nChannel 0: yes.\n\nChannel 1: to, like, make sure\n\nChannel 0: Yeah.\n\nChannel 1: it's all\n\nChannel 0: Correct.\n\nChannel 1: good.\n\nChannel 0: And then the worst part is that's one of the worst things that can happen. The worst thing that can happen is move all super funds over and cancel your existing insurances so that you're unsure. That's what, by far, the worst thing that can happen. Right? Murphy's\n\nChannel 1: Yeah.\n\nChannel 0: law, something\n\nChannel 1: Exactly.\n\nChannel 0: will happen to you, you're not sure. But the second worst thing is more actually, not more of them, but sometimes the we will close on the existing Superfund, move your funds over to whichever funds recommended for a client, and then the employer, even after receiving that Superdrugs contribution form that you filled out and submitted, they will receive it. They'll say it they'll send you a pay slip that you're paying it, but if they just transfer it because of administration errors, whatever it might be, they just transfer it straight into the old time. And what happens is they don't reject that money because you don't have an account. They set up a whole new account with the all and they charge all the fees again, and it's it's yeah.\n\nIt's not not the best outcome. But, look,\n\nChannel 1: Yes. No.\n\nChannel 0: we've dealt with it before, so we'll deal with it again, I'm sure. But, yeah, look, we've we've been pretty pretty we're pretty diligent when it comes to this stuff. We've been\n\nChannel 1: Yep.\n\nChannel 0: doing\n\nChannel 1: Cool. Brilliant.\n\nChannel 0: it\n\nChannel 1: So if I just send an email, do I just send it directly\n\nChannel 0: for\n\nChannel 1: to you or just to, like,\n\nChannel 0: a long time. Either\n\nChannel 1: Madison\n\nChannel 0: or\n\nChannel 1: or\n\nChannel 0: info. Yeah. Maddie, myself, info is a good one. Info, like, INFO\n\nChannel 1: yep. Oh, yes.\n\nChannel 0: as of three Financial. But\n\nChannel 1: Yep.\n\nChannel 0: look, just just if you just send it straight to me, I'll make\n\nChannel 1: Mhmm.\n\nChannel 0: sure that it gets done.\n\nChannel 1: Yep. Brilliant. Cool. Yeah. Yeah.\n\nLike I said, I'll keep an eye on it and then yeah. Go by checking.\n\nChannel 0: So Yep. Yeah. Yep. Join forces. We'll make it happen.\n\nSorry. I'm just trying. I'm a boy. I can only do one thing at a time. It's a benefit and a curse sometimes, but submitted super choice nomination form and change on a work already.\n\nJust waiting to receive under the top of payroll. Super contribution. How to buy. Beautiful. Yeah.\n\nLook. That's pretty much everything. So we're gonna submit that take over terms application. Once\n\nChannel 1: Yep.\n\nChannel 0: we go through that, when we you know, you just let us know when you receive the when you've received that pay or we'll find it first. Either or I'll erase you to emails and try the best. Okay?\n\nChannel 1: Yep.\n\nChannel 0: And once the take a chance to get approved and move down, but what we'll do is just we will keep you updated. We'll let you know pretty much when the strategy is completed.\n\nChannel 1: Yep. Brilliant. Thank you for that.\n\nChannel 0: Perfect. How's everything been so far? Nice and easy?\n\nChannel 1: Yeah. It seems to have\n\nChannel 0: Or\n\nChannel 1: been. Yeah. Yeah. Seems so. So\n\nChannel 0: Yeah.\n\nChannel 1: everything's\n\nChannel 0: Nice.\n\nChannel 1: going well.\n\nChannel 0: Beautiful. It's yeah. There's a lot of movements and I just wanna make sure that you're comfortable and know what's going on.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. Alright, Paul. Cameron, you enjoy the rest of your day. Alright? I'll speak to you soon.\n\nChannel 1: Yep. Will do. Same to you. Thank you so much.\n\nChannel 0: See you. Bye.\n\nChannel 1: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.68,"end":1.92,"sentiment":"neutral","sentiment_score":0.029044747352600098},{"text":"Emma speaking.","start":1.92,"end":2.74,"sentiment":"neutral","sentiment_score":0.027108628302812576}],"sentiment":"neutral","sentiment_score":0.027754001319408417,"channel":1,"num_words":3,"start":1.68,"end":2.74},{"sentences":[{"text":"Emma, Chevy Todd giving you a call from IP Financial.","start":3.1999998,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.06645004227757453},{"text":"How are you?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.09277499715487163}],"sentiment":"neutral","sentiment_score":0.0725250318646431,"channel":0,"num_words":13,"start":3.1999998,"end":6.8999996},{"sentences":[{"text":"Good.","start":6.96,"end":7.2,"sentiment":"positive","sentiment_score":0.48426923155784607},{"text":"Thank you.","start":7.2,"end":7.6,"sentiment":"positive","sentiment_score":0.5515077412128448},{"text":"How are you?","start":7.6,"end":8.34,"sentiment":"neutral","sentiment_score":0.28445930282274884}],"sentiment":"positive","sentiment_score":0.4067771037419637,"channel":1,"num_words":6,"start":6.96,"end":8.34},{"sentences":[{"text":"I am very well.","start":8.48,"end":9.5199995,"sentiment":"positive","sentiment_score":0.43896523863077164},{"text":"Thank you for asking.","start":9.5199995,"end":10.4,"sentiment":"positive","sentiment_score":0.4701218605041504},{"text":"I apologize for being three minutes late.","start":10.4,"end":12.24,"sentiment":"neutral","sentiment_score":-0.1432415864297322},{"text":"I had skid kid's school drop off.","start":12.24,"end":15.205,"sentiment":"neutral","sentiment_score":-0.24248055262225016},{"text":"So traffic is just getting","start":15.205,"end":17.285,"sentiment":"neutral","sentiment_score":-0.22397574186325073}],"sentiment":"neutral","sentiment_score":-0.006799455042238588,"channel":0,"num_words":27,"start":8.48,"end":17.285},{"sentences":[{"text":"Oh, no.","start":17.095,"end":17.675,"sentiment":"neutral","sentiment_score":-0.2732473909854889}],"sentiment":"neutral","sentiment_score":-0.2732473909854889,"channel":1,"num_words":2,"start":17.095,"end":17.675},{"sentences":[{"text":"worse and worse by the second.","start":17.285,"end":18.904999,"sentiment":"neutral","sentiment_score":-0.31721143424510956}],"sentiment":"neutral","sentiment_score":-0.31721143424510956,"channel":0,"num_words":6,"start":17.285,"end":18.904999},{"sentences":[{"text":"It","start":19.414999,"end":19.735,"sentiment":"neutral","sentiment_score":-0.25683286786079407}],"sentiment":"neutral","sentiment_score":-0.25683286786079407,"channel":1,"num_words":1,"start":19.414999,"end":19.735},{"sentences":[{"text":"It's crazy.","start":19.445,"end":20.025,"sentiment":"neutral","sentiment_score":-0.286751925945282}],"sentiment":"neutral","sentiment_score":-0.286751925945282,"channel":0,"num_words":2,"start":19.445,"end":20.025},{"sentences":[{"text":"moved me.","start":19.735,"end":20.535,"sentiment":"neutral","sentiment_score":-0.12787852808833122},{"text":"Yeah.","start":20.535,"end":21.035,"sentiment":"neutral","sentiment_score":-0.0001372024416923523},{"text":"But that's totally fine.","start":21.095,"end":22.395,"sentiment":"neutral","sentiment_score":0.06681934371590614}],"sentiment":"neutral","sentiment_score":0.001626159463609968,"channel":1,"num_words":7,"start":19.735,"end":22.395},{"sentences":[{"text":"Yeah.","start":22.724998,"end":22.965,"sentiment":"neutral","sentiment_score":0.010546106845140455},{"text":"And you probably understand I'm I'm in Mary Mac.","start":22.965,"end":25.205,"sentiment":"neutral","sentiment_score":-0.01063809719764524},{"text":"So you're just around the corner.","start":25.205,"end":26.664999,"sentiment":"neutral","sentiment_score":-0.0252429007863005},{"text":"But,","start":26.724998,"end":27.224998,"sentiment":"neutral","sentiment_score":-0.031051509082317352}],"sentiment":"neutral","sentiment_score":-0.015747393043163943,"channel":0,"num_words":17,"start":22.724998,"end":27.224998},{"sentences":[{"text":"Yeah.","start":27.095,"end":27.415,"sentiment":"neutral","sentiment_score":-0.034541450440883636},{"text":"Exactly.","start":27.415,"end":27.915,"sentiment":"neutral","sentiment_score":-0.10321716964244844},{"text":"It's insane.","start":28.055,"end":28.875,"sentiment":"neutral","sentiment_score":-0.3241172283887863}],"sentiment":"neutral","sentiment_score":-0.19649826921522617,"channel":1,"num_words":4,"start":27.095,"end":28.875},{"sentences":[{"text":"Yeah.","start":29.380001,"end":29.7,"sentiment":"neutral","sentiment_score":-0.16368739306926727},{"text":"It's crazy.","start":29.7,"end":30.34,"sentiment":"neutral","sentiment_score":-0.26724570989608765},{"text":"So it's like, it's just I don't know where all the humans just came from.","start":30.34,"end":33.46,"sentiment":"neutral","sentiment_score":-0.2920977314313253},{"text":"It's it's unbelievable.","start":33.46,"end":34.440002,"sentiment":"negative","sentiment_score":-0.40340421597162884},{"text":"I don't know how they're asking them.","start":34.82,"end":36.36,"sentiment":"neutral","sentiment_score":-0.2603201163666589}],"sentiment":"neutral","sentiment_score":-0.2897177945290293,"channel":0,"num_words":28,"start":29.380001,"end":36.36},{"sentences":[{"text":"Anyway, I'm just giving you a quick call regarding your six transfer terms eligibility questionnaire.","start":37.14,"end":42.36,"sentiment":"neutral","sentiment_score":0.011123476286108295},{"text":"So do","start":42.755,"end":42.995003,"sentiment":"neutral","sentiment_score":0.008848429657518864}],"sentiment":"neutral","sentiment_score":0.010855823741568363,"channel":0,"num_words":17,"start":37.14,"end":42.995003},{"sentences":[{"text":"Yep.","start":42.98,"end":43.48,"sentiment":"neutral","sentiment_score":0.002100609941408038}],"sentiment":"neutral","sentiment_score":0.002100609941408038,"channel":1,"num_words":1,"start":42.98,"end":43.48},{"sentences":[{"text":"you have time now?","start":42.995003,"end":43.975,"sentiment":"neutral","sentiment_score":-0.003513803007081151}],"sentiment":"neutral","sentiment_score":-0.003513803007081151,"channel":0,"num_words":4,"start":42.995003,"end":43.975},{"sentences":[{"text":"Yes.","start":44.1,"end":44.475,"sentiment":"neutral","sentiment_score":0.0014038300141692162}],"sentiment":"neutral","sentiment_score":0.0014038300141692162,"channel":1,"num_words":1,"start":44.1,"end":44.475},{"sentences":[{"text":"Or beautiful.","start":44.195,"end":45.575,"sentiment":"neutral","sentiment_score":-0.0016799140721559525},{"text":"Are you currently off work or unable to perform the full and normal duties of the occupation on a full time basis or at least for thirty hours per week at the moment?","start":45.954998,"end":55.175,"sentiment":"neutral","sentiment_score":-0.05515699540123795}],"sentiment":"neutral","sentiment_score":-0.05210116218243326,"channel":0,"num_words":35,"start":44.195,"end":55.175},{"sentences":[{"text":"No.","start":57.914997,"end":58.38,"sentiment":"neutral","sentiment_score":-0.08521483093500137},{"text":"No.","start":58.620003,"end":59.120003,"sentiment":"neutral","sentiment_score":-0.08035406470298767},{"text":"I","start":59.340004,"end":59.840004,"sentiment":"neutral","sentiment_score":-0.05620548129081726}],"sentiment":"neutral","sentiment_score":-0.0739247923096021,"channel":1,"num_words":3,"start":57.914997,"end":59.840004},{"sentences":[{"text":"Yeah.","start":59.7,"end":60.1,"sentiment":"neutral","sentiment_score":-0.03721585124731064},{"text":"That's","start":60.1,"end":60.6,"sentiment":"neutral","sentiment_score":-0.02155403606593609}],"sentiment":"neutral","sentiment_score":-0.029384943656623363,"channel":0,"num_words":2,"start":59.7,"end":60.6},{"sentences":[{"text":"yeah.","start":60.22,"end":60.46,"sentiment":"neutral","sentiment_score":-0.002584833651781082},{"text":"Is that the answer I want?","start":60.46,"end":61.68,"sentiment":"neutral","sentiment_score":-0.01833380324145158}],"sentiment":"neutral","sentiment_score":-0.016083950442927226,"channel":1,"num_words":7,"start":60.22,"end":61.68},{"sentences":[{"text":"fine.","start":61.18,"end":61.68,"sentiment":"neutral","sentiment_score":-0.013969214633107184},{"text":"That's the","start":62.26,"end":62.9,"sentiment":"neutral","sentiment_score":-0.011499372310936451}],"sentiment":"neutral","sentiment_score":-0.012322653084993362,"channel":0,"num_words":3,"start":61.18,"end":62.9},{"sentences":[{"text":"So","start":62.62,"end":63.12,"sentiment":"neutral","sentiment_score":-0.00797165185213089}],"sentiment":"neutral","sentiment_score":-0.00797165185213089,"channel":1,"num_words":1,"start":62.62,"end":63.12},{"sentences":[{"text":"that knows the answer you","start":63.059998,"end":64.18,"sentiment":"neutral","sentiment_score":-0.0018292576074600219}],"sentiment":"neutral","sentiment_score":-0.0018292576074600219,"channel":0,"num_words":5,"start":63.059998,"end":64.18},{"sentences":[{"text":"it's","start":64.06,"end":64.3,"sentiment":"neutral","sentiment_score":-0.001223936676979065}],"sentiment":"neutral","sentiment_score":-0.001223936676979065,"channel":1,"num_words":1,"start":64.06,"end":64.3},{"sentences":[{"text":"want, but but just answer them honestly as honest","start":64.18,"end":67.22,"sentiment":"neutral","sentiment_score":-0.01972397334045834}],"sentiment":"neutral","sentiment_score":-0.01972397334045834,"channel":0,"num_words":9,"start":64.18,"end":67.22},{"sentences":[{"text":"yeah.","start":67.1,"end":67.6,"sentiment":"neutral","sentiment_score":-0.035588789731264114}],"sentiment":"neutral","sentiment_score":-0.035588789731264114,"channel":1,"num_words":1,"start":67.1,"end":67.6},{"sentences":[{"text":"as you can.","start":67.22,"end":68.04,"sentiment":"neutral","sentiment_score":-0.0025411074360211683},{"text":"Alright?","start":68.1,"end":68.6,"sentiment":"neutral","sentiment_score":-0.00299981189891696}],"sentiment":"neutral","sentiment_score":-0.0026557835517451163,"channel":0,"num_words":4,"start":67.22,"end":68.6},{"sentences":[{"text":"So sorry.","start":68.380005,"end":69.26,"sentiment":"neutral","sentiment_score":-0.04562804102897644},{"text":"I just so am am I able to work?","start":69.26,"end":72.825,"sentiment":"neutral","sentiment_score":-0.047460679792695575},{"text":"Was that it?","start":72.825,"end":73.625,"sentiment":"neutral","sentiment_score":-0.03887158383925756},{"text":"The","start":73.625,"end":74.125,"sentiment":"neutral","sentiment_score":-0.019743099808692932}],"sentiment":"neutral","sentiment_score":-0.043650670101245244,"channel":1,"num_words":15,"start":68.380005,"end":74.125},{"sentences":[{"text":"Yeah.","start":74.355,"end":74.675,"sentiment":"neutral","sentiment_score":-0.015887530520558357},{"text":"So are","start":74.675,"end":75.315,"sentiment":"neutral","sentiment_score":-0.021285022608935833}],"sentiment":"neutral","sentiment_score":-0.019485858579476673,"channel":0,"num_words":3,"start":74.355,"end":75.315},{"sentences":[{"text":"you","start":75.257,"end":75.757,"sentiment":"neutral","sentiment_score":-0.025486620143055916}],"sentiment":"neutral","sentiment_score":-0.025486620143055916,"channel":1,"num_words":1,"start":75.257,"end":75.757},{"sentences":[{"text":"you currently","start":75.315,"end":76.055,"sentiment":"neutral","sentiment_score":-0.033703748136758804}],"sentiment":"neutral","sentiment_score":-0.033703748136758804,"channel":0,"num_words":2,"start":75.315,"end":76.055},{"sentences":[{"text":"can","start":76.073,"end":76.573,"sentiment":"neutral","sentiment_score":-0.03423516824841499}],"sentiment":"neutral","sentiment_score":-0.03423516824841499,"channel":1,"num_words":1,"start":76.073,"end":76.573},{"sentences":[{"text":"off work, which in March,","start":76.275,"end":77.875,"sentiment":"neutral","sentiment_score":-0.03810947239398956}],"sentiment":"neutral","sentiment_score":-0.03810947239398956,"channel":0,"num_words":5,"start":76.275,"end":77.875},{"sentences":[{"text":"office","start":77.705,"end":78.185,"sentiment":"neutral","sentiment_score":-0.04959281161427498}],"sentiment":"neutral","sentiment_score":-0.04959281161427498,"channel":1,"num_words":1,"start":77.705,"end":78.185},{"sentences":[{"text":"because","start":77.875,"end":78.19501,"sentiment":"neutral","sentiment_score":-0.05038712918758392}],"sentiment":"neutral","sentiment_score":-0.05038712918758392,"channel":0,"num_words":1,"start":77.875,"end":78.19501},{"sentences":[{"text":"work.","start":78.185,"end":78.685,"sentiment":"neutral","sentiment_score":-0.04675687104463577}],"sentiment":"neutral","sentiment_score":-0.04675687104463577,"channel":1,"num_words":1,"start":78.185,"end":78.685},{"sentences":[{"text":"we've been we","start":78.19501,"end":78.755005,"sentiment":"neutral","sentiment_score":-0.02764918903509776}],"sentiment":"neutral","sentiment_score":-0.02764918903509776,"channel":0,"num_words":3,"start":78.19501,"end":78.755005},{"sentences":[{"text":"Yep.","start":78.745,"end":79.245,"sentiment":"neutral","sentiment_score":-0.020980820059776303}],"sentiment":"neutral","sentiment_score":-0.020980820059776303,"channel":1,"num_words":1,"start":78.745,"end":79.245},{"sentences":[{"text":"spoke before?","start":78.755005,"end":79.555,"sentiment":"neutral","sentiment_score":-0.017415746115148067},{"text":"Yep.","start":79.555,"end":79.875,"sentiment":"neutral","sentiment_score":-0.015383816324174404},{"text":"So are you currently off work or unable to perform the full and normal duties of the occupation?","start":79.875,"end":84.60999,"sentiment":"neutral","sentiment_score":-0.042058370697001614},{"text":"Answer is no.","start":84.829994,"end":85.549995,"sentiment":"neutral","sentiment_score":-0.09551308304071426},{"text":"Alright?","start":85.549995,"end":86.049995,"sentiment":"neutral","sentiment_score":-0.04802393168210983}],"sentiment":"neutral","sentiment_score":-0.04567316647619009,"channel":0,"num_words":25,"start":78.755005,"end":86.049995},{"sentences":[{"text":"No.","start":86.185,"end":86.585,"sentiment":"neutral","sentiment_score":-0.09943746030330658},{"text":"Yes.","start":86.585,"end":86.94,"sentiment":"neutral","sentiment_score":-0.01138366013765335},{"text":"It was just","start":87.18,"end":87.740005,"sentiment":"neutral","sentiment_score":0.01015186682343483}],"sentiment":"neutral","sentiment_score":-0.016073103994131088,"channel":1,"num_words":5,"start":86.185,"end":87.740005},{"sentences":[{"text":"Beautiful.","start":87.71,"end":88.21,"sentiment":"neutral","sentiment_score":0.05760269984602928}],"sentiment":"neutral","sentiment_score":0.05760269984602928,"channel":0,"num_words":1,"start":87.71,"end":88.21},{"sentences":[{"text":"that I got caught up with the whole, like, being part time and maternity leave, but that's not what the question is asking.","start":87.740005,"end":93.76,"sentiment":"neutral","sentiment_score":-0.1072527366163938}],"sentiment":"neutral","sentiment_score":-0.1072527366163938,"channel":1,"num_words":23,"start":87.740005,"end":93.76},{"sentences":[{"text":"Yeah.","start":94.03,"end":94.42999,"sentiment":"neutral","sentiment_score":-0.04061124473810196},{"text":"No.","start":94.42999,"end":94.75,"sentiment":"neutral","sentiment_score":-0.05394826829433441}],"sentiment":"neutral","sentiment_score":-0.047279756516218185,"channel":0,"num_words":2,"start":94.03,"end":94.75},{"sentences":[{"text":"Yeah.","start":94.54,"end":95.04,"sentiment":"neutral","sentiment_score":-0.010136747732758522}],"sentiment":"neutral","sentiment_score":-0.010136747732758522,"channel":1,"num_words":1,"start":94.54,"end":95.04},{"sentences":[{"text":"Correct.","start":94.75,"end":95.229996,"sentiment":"neutral","sentiment_score":0.0008274195715785027},{"text":"So answer","start":95.229996,"end":95.869995,"sentiment":"neutral","sentiment_score":-0.0005788533017039299}],"sentiment":"neutral","sentiment_score":-0.00011009567727645238,"channel":0,"num_words":3,"start":94.75,"end":95.869995},{"sentences":[{"text":"Yeah.","start":95.58,"end":96.08,"sentiment":"neutral","sentiment_score":0.009891952387988567}],"sentiment":"neutral","sentiment_score":0.009891952387988567,"channel":1,"num_words":1,"start":95.58,"end":96.08},{"sentences":[{"text":"the exact question, please.","start":95.869995,"end":97.845,"sentiment":"neutral","sentiment_score":0.015003594569861889}],"sentiment":"neutral","sentiment_score":0.015003594569861889,"channel":0,"num_words":4,"start":95.869995,"end":97.845},{"sentences":[{"text":"Yeah.","start":97.740005,"end":98.240005,"sentiment":"neutral","sentiment_score":0.1431715190410614}],"sentiment":"neutral","sentiment_score":0.1431715190410614,"channel":1,"num_words":1,"start":97.740005,"end":98.240005},{"sentences":[{"text":"I'll be that'll be very beneficial for all of us.","start":97.925,"end":100.665,"sentiment":"neutral","sentiment_score":0.2702976182103157}],"sentiment":"neutral","sentiment_score":0.2702976182103157,"channel":0,"num_words":10,"start":97.925,"end":100.665},{"sentences":[{"text":"Yeah.","start":100.94,"end":101.415,"sentiment":"neutral","sentiment_score":0.019274229183793068}],"sentiment":"neutral","sentiment_score":0.019274229183793068,"channel":1,"num_words":1,"start":100.94,"end":101.415},{"sentences":[{"text":"It's honestly","start":101.045,"end":101.865,"sentiment":"neutral","sentiment_score":-0.04138714075088501}],"sentiment":"neutral","sentiment_score":-0.04138714075088501,"channel":0,"num_words":2,"start":101.045,"end":101.865},{"sentences":[{"text":"I just my","start":101.575005,"end":102.215004,"sentiment":"neutral","sentiment_score":-0.06569518397251765}],"sentiment":"neutral","sentiment_score":-0.06569518397251765,"channel":1,"num_words":3,"start":101.575005,"end":102.215004},{"sentences":[{"text":"and","start":102.005005,"end":102.325005,"sentiment":"neutral","sentiment_score":-0.07980875670909882}],"sentiment":"neutral","sentiment_score":-0.07980875670909882,"channel":0,"num_words":1,"start":102.005005,"end":102.325005},{"sentences":[{"text":"brain","start":102.215004,"end":102.455,"sentiment":"neutral","sentiment_score":-0.046196456998586655}],"sentiment":"neutral","sentiment_score":-0.046196456998586655,"channel":1,"num_words":1,"start":102.215004,"end":102.455},{"sentences":[{"text":"truthfully","start":102.325005,"end":102.825005,"sentiment":"neutral","sentiment_score":-0.10205928981304167}],"sentiment":"neutral","sentiment_score":-0.10205928981304167,"channel":0,"num_words":1,"start":102.325005,"end":102.825005},{"sentences":[{"text":"is not switched on.","start":102.455,"end":103.675,"sentiment":"neutral","sentiment_score":-0.08321749232709408}],"sentiment":"neutral","sentiment_score":-0.08321749232709408,"channel":1,"num_words":4,"start":102.455,"end":103.675},{"sentences":[{"text":"no.","start":104.085,"end":104.325005,"sentiment":"neutral","sentiment_score":-0.04951520264148712},{"text":"That's alright.","start":104.325005,"end":104.885,"sentiment":"neutral","sentiment_score":0.11762440949678421},{"text":"Did you want me to call back after you've had a coffee?","start":104.885,"end":107.045,"sentiment":"neutral","sentiment_score":0.0045904921522984905},{"text":"Or","start":107.045,"end":107.125,"sentiment":"neutral","sentiment_score":-0.046572472900152206}],"sentiment":"neutral","sentiment_score":0.012140440579969436,"channel":0,"num_words":16,"start":104.085,"end":107.125},{"sentences":[{"text":"No.","start":107.495,"end":107.655,"sentiment":"neutral","sentiment_score":-0.161706805229187},{"text":"No.","start":107.655,"end":107.815,"sentiment":"neutral","sentiment_score":-0.1623336225748062},{"text":"No.","start":107.815,"end":107.975,"sentiment":"neutral","sentiment_score":-0.1421608030796051},{"text":"That's that's totally fine.","start":107.975,"end":109.255,"sentiment":"neutral","sentiment_score":0.12594280019402504},{"text":"I was yeah.","start":109.255,"end":109.895004,"sentiment":"neutral","sentiment_score":0.1325236956278483}],"sentiment":"neutral","sentiment_score":0.04351410567760468,"channel":1,"num_words":10,"start":107.495,"end":109.895004},{"sentences":[{"text":"Just yes.","start":109.895004,"end":111.495,"sentiment":"neutral","sentiment_score":0.1470707803964615},{"text":"That that that is","start":111.495,"end":112.455,"sentiment":"neutral","sentiment_score":0.19379781559109688}],"sentiment":"neutral","sentiment_score":0.17822213719288507,"channel":1,"num_words":6,"start":109.895004,"end":112.455},{"sentences":[{"text":"okay.","start":112.299995,"end":112.799995,"sentiment":"neutral","sentiment_score":0.24636995792388916}],"sentiment":"neutral","sentiment_score":0.24636995792388916,"channel":0,"num_words":1,"start":112.299995,"end":112.799995},{"sentences":[{"text":"truthful, and that's the answer we want.","start":112.455,"end":114.29,"sentiment":"neutral","sentiment_score":0.3264240963118417}],"sentiment":"neutral","sentiment_score":0.3264240963118417,"channel":1,"num_words":7,"start":112.455,"end":114.29},{"sentences":[{"text":"Beautiful.","start":114.38,"end":114.88,"sentiment":"positive","sentiment_score":0.36503052711486816},{"text":"So so question two, have you in the last twelve months been absent from work or unable to","start":115.34,"end":120.86,"sentiment":"neutral","sentiment_score":-0.01750819871409072}],"sentiment":"neutral","sentiment_score":0.0026254184348018547,"channel":0,"num_words":19,"start":114.38,"end":120.86},{"sentences":[{"text":"Yep.","start":120.7125,"end":121.2125,"sentiment":"neutral","sentiment_score":-0.012675197795033457}],"sentiment":"neutral","sentiment_score":-0.012675197795033457,"channel":1,"num_words":1,"start":120.7125,"end":121.2125},{"sentences":[{"text":"fully perform your duties of your usual occupation, whether employed or unemployed, or your unpaid domestic duties if you are unemployed or sole occupation director due to illness or injury.","start":120.86,"end":134.205,"sentiment":"neutral","sentiment_score":-0.03205973105505109},{"text":"So you weren't working because of maternity leave, but it wasn't because of injury or illness.","start":136.745,"end":141.08499,"sentiment":"neutral","sentiment_score":-0.06859732558950782},{"text":"Right?","start":141.145,"end":141.645,"sentiment":"neutral","sentiment_score":0.005471864715218544}],"sentiment":"neutral","sentiment_score":-0.04369951651847743,"channel":0,"num_words":47,"start":120.86,"end":141.645},{"sentences":[{"text":"Yes.","start":141.795,"end":142.035,"sentiment":"neutral","sentiment_score":0.05019238591194153},{"text":"That is true.","start":142.035,"end":142.86,"sentiment":"neutral","sentiment_score":0.1302768513560295}],"sentiment":"neutral","sentiment_score":0.11025573499500751,"channel":1,"num_words":4,"start":141.795,"end":142.86},{"sentences":[{"text":"Perfect.","start":143.59999,"end":144.09999,"sentiment":"neutral","sentiment_score":0.32041698694229126},{"text":"So have you been diagnosed or do you suffer from an illness that may cause permanent inability to work or because of a terminal illness?","start":144.23999,"end":152.9,"sentiment":"neutral","sentiment_score":-0.01516983799636364}],"sentiment":"neutral","sentiment_score":-0.00226265242179999,"channel":0,"num_words":26,"start":143.59999,"end":152.9},{"sentences":[{"text":"No.","start":153.66,"end":154.16,"sentiment":"neutral","sentiment_score":-0.06060708686709404}],"sentiment":"neutral","sentiment_score":-0.06060708686709404,"channel":1,"num_words":1,"start":153.66,"end":154.16},{"sentences":[{"text":"Beautiful.","start":154.72,"end":155.22,"sentiment":"neutral","sentiment_score":0.005286693572998047},{"text":"Have you ever had an insurance application for death only, death and total permanent disability, or terminal illness, or income protection cover ever be refused?","start":156.035,"end":164.77501,"sentiment":"neutral","sentiment_score":-0.06701771467924118},{"text":"The answer is no because we withdraw your previous app.","start":164.91501,"end":168.695,"sentiment":"neutral","sentiment_score":-0.18733967542648317},{"text":"Right?","start":168.91501,"end":169.235,"sentiment":"neutral","sentiment_score":-0.04488873481750488},{"text":"So you've never had a decline.","start":169.235,"end":170.695,"sentiment":"neutral","sentiment_score":-0.0889530498534441}],"sentiment":"neutral","sentiment_score":-0.09586418515374494,"channel":0,"num_words":43,"start":154.72,"end":170.695},{"sentences":[{"text":"Beautiful.","start":171.57,"end":172.07,"sentiment":"neutral","sentiment_score":0.07854402810335159},{"text":"Have you ever been paid or eligible to be paid?","start":172.29001,"end":175.57,"sentiment":"neutral","sentiment_score":0.010631605610251426},{"text":"You're currently in the process of submitting a claim for any sort of insurance or workers' comp.","start":175.57,"end":179.99,"sentiment":"neutral","sentiment_score":-0.026699467069085908},{"text":"Beautiful.","start":182.21,"end":182.71,"sentiment":"neutral","sentiment_score":0.04554470628499985},{"text":"Last question.","start":182.93001,"end":183.65,"sentiment":"neutral","sentiment_score":-0.0017680828459560871}],"sentiment":"neutral","sentiment_score":-0.007323300495984093,"channel":0,"num_words":31,"start":171.57,"end":183.65},{"sentences":[{"text":"Have you ever had an insurance application for death, death, and total permanent disability, terminal illness, or income protection cover?","start":183.65,"end":190.955,"sentiment":"neutral","sentiment_score":-0.041285626403987405},{"text":"Have it been modified or opted on nonstandard terms in regards to medical or other conditions?","start":190.955,"end":196.655,"sentiment":"neutral","sentiment_score":-0.08501181285828352},{"text":"The answer is no because we haven't submitted that first application.","start":196.715,"end":200.255,"sentiment":"neutral","sentiment_score":-0.1926223269917748}],"sentiment":"neutral","sentiment_score":-0.09159036448344271,"channel":0,"num_words":47,"start":183.65,"end":200.255},{"sentences":[{"text":"Okay.","start":201.14,"end":201.46,"sentiment":"neutral","sentiment_score":-0.03387786075472832},{"text":"Yeah.","start":201.46,"end":201.96,"sentiment":"neutral","sentiment_score":-0.02599913999438286}],"sentiment":"neutral","sentiment_score":-0.029938500374555588,"channel":1,"num_words":2,"start":201.14,"end":201.96},{"sentences":[{"text":"Okay.","start":202.94,"end":203.34,"sentiment":"neutral","sentiment_score":-0.024587303400039673},{"text":"That's it.","start":203.34,"end":204.08,"sentiment":"neutral","sentiment_score":-0.023071452043950558}],"sentiment":"neutral","sentiment_score":-0.023576735829313595,"channel":0,"num_words":3,"start":202.94,"end":204.08},{"sentences":[{"text":"Yep.","start":204.34001,"end":204.82,"sentiment":"neutral","sentiment_score":0.07627463340759277},{"text":"Cool.","start":204.82,"end":205.32,"sentiment":"neutral","sentiment_score":0.10748611390590668},{"text":"So does this so this just gives a little bit more evidence to to our application.","start":205.38,"end":211.96,"sentiment":"neutral","sentiment_score":-0.0018110373057425024},{"text":"Is that that's the","start":212.18001,"end":213.315,"sentiment":"neutral","sentiment_score":-0.06730055436491966}],"sentiment":"neutral","sentiment_score":-0.005200821229002692,"channel":1,"num_words":22,"start":204.34001,"end":213.315},{"sentences":[{"text":"No.","start":213.34,"end":213.74,"sentiment":"neutral","sentiment_score":-0.23596055805683136},{"text":"No.","start":213.74,"end":214.06,"sentiment":"neutral","sentiment_score":-0.25565391778945923},{"text":"So so let me just reiterate why I know you're kind of in a in a in a rush before.","start":214.06,"end":218.11499,"sentiment":"neutral","sentiment_score":-0.22923738807439803}],"sentiment":"neutral","sentiment_score":-0.2307437380606478,"channel":0,"num_words":22,"start":213.34,"end":218.11499},{"sentences":[{"text":"yeah.","start":218.035,"end":218.535,"sentiment":"neutral","sentiment_score":-0.0665544793009758}],"sentiment":"neutral","sentiment_score":-0.0665544793009758,"channel":1,"num_words":1,"start":218.035,"end":218.535},{"sentences":[{"text":"So let's just go through it again.","start":218.11499,"end":219.81499,"sentiment":"neutral","sentiment_score":-0.03180236954774175},{"text":"So when we went through the insurance application, we","start":220.03499,"end":223.575,"sentiment":"neutral","sentiment_score":-0.02690513225065337}],"sentiment":"neutral","sentiment_score":-0.02904767356812954,"channel":0,"num_words":16,"start":218.11499,"end":223.575},{"sentences":[{"text":"Mhmm.","start":223.55501,"end":224.05501,"sentiment":"neutral","sentiment_score":-0.04119214415550232}],"sentiment":"neutral","sentiment_score":-0.04119214415550232,"channel":1,"num_words":1,"start":223.55501,"end":224.05501},{"sentences":[{"text":"we submitted that with the insurer that we recommended, but that goes to what's called an underwriter.","start":223.795,"end":229.73499,"sentiment":"neutral","sentiment_score":-0.05034002793185851},{"text":"The underwriter for a comprehensive insurance cover, they assess your risk and work","start":230.26001,"end":235.86,"sentiment":"neutral","sentiment_score":-0.024339367993749104}],"sentiment":"neutral","sentiment_score":-0.0390730752920111,"channel":0,"num_words":30,"start":223.795,"end":235.86},{"sentences":[{"text":"Yep.","start":235.77,"end":236.27,"sentiment":"neutral","sentiment_score":-0.007914924062788486}],"sentiment":"neutral","sentiment_score":-0.007914924062788486,"channel":1,"num_words":1,"start":235.77,"end":236.27},{"sentences":[{"text":"with the actuaries to work out what that monetary value of that risk is.","start":235.86,"end":240.18001,"sentiment":"neutral","sentiment_score":-0.003929342475852796},{"text":"K?","start":240.18001,"end":240.5,"sentiment":"neutral","sentiment_score":0.009886035695672035},{"text":"That's how you get the insurance premium.","start":240.5,"end":242.28,"sentiment":"neutral","sentiment_score":0.027312638770256723},{"text":"Now with your situation, because of the personal depression and the the exclusions and the loadings, when","start":242.675,"end":249.39499,"sentiment":"neutral","sentiment_score":-0.18528615858624964}],"sentiment":"neutral","sentiment_score":-0.07702053803950548,"channel":0,"num_words":39,"start":235.86,"end":249.39499},{"sentences":[{"text":"Mhmm.","start":249.32501,"end":249.82501,"sentiment":"neutral","sentiment_score":-0.055360108613967896}],"sentiment":"neutral","sentiment_score":-0.055360108613967896,"channel":1,"num_words":1,"start":249.32501,"end":249.82501},{"sentences":[{"text":"you get a number that does build up depending on your health and age and stage in life.","start":249.39499,"end":255.715,"sentiment":"neutral","sentiment_score":-0.08018320798873901},{"text":"Right?","start":255.715,"end":256.215,"sentiment":"neutral","sentiment_score":-0.021875400096178055},{"text":"So","start":256.56,"end":256.80002,"sentiment":"neutral","sentiment_score":-0.032747071236371994}],"sentiment":"neutral","sentiment_score":-0.07489601075649262,"channel":0,"num_words":20,"start":249.39499,"end":256.80002},{"sentences":[{"text":"Yep.","start":256.62,"end":257.12,"sentiment":"neutral","sentiment_score":-0.03645197674632072}],"sentiment":"neutral","sentiment_score":-0.03645197674632072,"channel":1,"num_words":1,"start":256.62,"end":257.12},{"sentences":[{"text":"because of the the concerns with the bilateral knee excursion, things like that, that's as well as the mental health excursion because of your postnatal depression, which was within the last year and a half probably.","start":256.80002,"end":269.22,"sentiment":"neutral","sentiment_score":-0.20751693679226768},{"text":"Right?","start":269.68,"end":270.18,"sentiment":"neutral","sentiment_score":-0.08670853078365326}],"sentiment":"neutral","sentiment_score":-0.2042518447379808,"channel":0,"num_words":37,"start":256.80002,"end":270.18},{"sentences":[{"text":"Mhmm.","start":269.74,"end":270.24,"sentiment":"neutral","sentiment_score":-0.11615021526813508}],"sentiment":"neutral","sentiment_score":-0.11615021526813508,"channel":1,"num_words":1,"start":269.74,"end":270.24},{"sentences":[{"text":"That means that there's a","start":270.815,"end":272.335,"sentiment":"neutral","sentiment_score":-0.25304526686668394}],"sentiment":"neutral","sentiment_score":-0.25304526686668394,"channel":0,"num_words":5,"start":270.815,"end":272.335},{"sentences":[{"text":"Yep.","start":272.28497,"end":272.78497,"sentiment":"neutral","sentiment_score":-0.14453551173210144}],"sentiment":"neutral","sentiment_score":-0.14453551173210144,"channel":1,"num_words":1,"start":272.28497,"end":272.78497},{"sentences":[{"text":"mental health exclusion, but there's also two knee exclusions.","start":272.335,"end":274.915,"sentiment":"neutral","sentiment_score":-0.23206115431255764},{"text":"Right?","start":275.215,"end":275.715,"sentiment":"neutral","sentiment_score":-0.16187573969364166},{"text":"So that's three exclusions in total.","start":275.775,"end":277.935,"sentiment":"neutral","sentiment_score":-0.3269568781057994},{"text":"If there's three exclusions in total, then it's more than likely too much risk for an insurer to provide you insurance, which is called a decline.","start":277.935,"end":285.68002,"sentiment":"negative","sentiment_score":-0.5335103307779019},{"text":"Okay?","start":286.14,"end":286.64,"sentiment":"neutral","sentiment_score":-0.31995511054992676}],"sentiment":"negative","sentiment_score":-0.4279858397189961,"channel":0,"num_words":43,"start":272.335,"end":286.64},{"sentences":[{"text":"Now we don't want that to happen, and we wanna withdraw the application before you actually get that formal letter.","start":287.02002,"end":291.92,"sentiment":"negative","sentiment_score":-0.46451205015182495},{"text":"Okay?","start":292.14,"end":292.46002,"sentiment":"neutral","sentiment_score":-0.21577611565589905},{"text":"Because that's just inquiring.","start":292.46002,"end":294.08002,"sentiment":"negative","sentiment_score":-0.36919069290161133},{"text":"That's not actually going through with the process.","start":294.14,"end":296.08002,"sentiment":"negative","sentiment_score":-0.4616302326321602},{"text":"Alright?","start":296.46002,"end":296.96002,"sentiment":"neutral","sentiment_score":-0.10049216449260712}],"sentiment":"negative","sentiment_score":-0.434597468113198,"channel":0,"num_words":34,"start":287.02002,"end":296.96002},{"sentences":[{"text":"Yep.","start":296.86002,"end":297.36002,"sentiment":"neutral","sentiment_score":-0.11506780236959456}],"sentiment":"neutral","sentiment_score":-0.11506780236959456,"channel":1,"num_words":1,"start":296.86002,"end":297.36002},{"sentences":[{"text":"So what we need to do now is we don't want the decline.","start":297.705,"end":301.145,"sentiment":"neutral","sentiment_score":-0.3249438531123675},{"text":"We won't be able to get covered as adequate for you and your family.","start":301.145,"end":304.525,"sentiment":"negative","sentiment_score":-0.36960387017045704},{"text":"So what's the what can we do about?","start":304.745,"end":306.985,"sentiment":"neutral","sentiment_score":-0.12858034763485193},{"text":"Well, how do we get your super consolidated into one place to get it working harder for you, but at the same time, make sure that you got insurance covered.","start":306.985,"end":315.0,"sentiment":"neutral","sentiment_score":-0.03795634607474009},{"text":"If not enough, at least some.","start":315.0,"end":317.1,"sentiment":"neutral","sentiment_score":-0.24845962474743524}],"sentiment":"neutral","sentiment_score":-0.18389880541764514,"channel":0,"num_words":71,"start":297.705,"end":317.1},{"sentences":[{"text":"Yes.","start":317.995,"end":318.495,"sentiment":"neutral","sentiment_score":0.034783974289894104}],"sentiment":"neutral","sentiment_score":0.034783974289894104,"channel":1,"num_words":1,"start":317.995,"end":318.495},{"sentences":[{"text":"Right?","start":318.28,"end":318.78,"sentiment":"neutral","sentiment_score":0.05674422159790993},{"text":"And that means that we can do what's called takeover terms, which is Hub 24.","start":319.0,"end":323.565,"sentiment":"neutral","sentiment_score":0.05319022039572398},{"text":"So Hub 24, the product that we're recommending, actually does what's called takeover terms, where you answer these six questions and we can they can literally take over the terms of the policy that you hold in group cover, which is currently with your current super fund.","start":323.645,"end":338.545,"sentiment":"neutral","sentiment_score":0.0676864225496637}],"sentiment":"neutral","sentiment_score":0.0640612601169518,"channel":0,"num_words":63,"start":318.28,"end":338.545},{"sentences":[{"text":"Yep.","start":339.03497,"end":339.35498,"sentiment":"neutral","sentiment_score":0.10551568865776062}],"sentiment":"neutral","sentiment_score":0.10551568865776062,"channel":1,"num_words":1,"start":339.03497,"end":339.35498},{"sentences":[{"text":"And then","start":339.16998,"end":339.49,"sentiment":"neutral","sentiment_score":0.09424631670117378}],"sentiment":"neutral","sentiment_score":0.09424631670117378,"channel":0,"num_words":2,"start":339.16998,"end":339.49},{"sentences":[{"text":"Okay.","start":339.35498,"end":339.85498,"sentiment":"neutral","sentiment_score":0.11628498882055284}],"sentiment":"neutral","sentiment_score":0.11628498882055284,"channel":1,"num_words":1,"start":339.35498,"end":339.85498},{"sentences":[{"text":"what we can do is just literally move them over, and they're gonna be owned under the platform of Upstream for instead of the existing super fund.","start":339.49,"end":346.15,"sentiment":"neutral","sentiment_score":0.08792924342883958}],"sentiment":"neutral","sentiment_score":0.08792924342883958,"channel":0,"num_words":27,"start":339.49,"end":346.15},{"sentences":[{"text":"Okay.","start":346.79498,"end":347.19498,"sentiment":"neutral","sentiment_score":0.05994460359215736},{"text":"Yeah.","start":347.19498,"end":347.52,"sentiment":"neutral","sentiment_score":0.02760654129087925}],"sentiment":"neutral","sentiment_score":0.04377557244151831,"channel":1,"num_words":2,"start":346.79498,"end":347.52},{"sentences":[{"text":"Under the condition that you answer now to all six questions, which you have?","start":347.88998,"end":351.19,"sentiment":"neutral","sentiment_score":0.017981070426425765}],"sentiment":"neutral","sentiment_score":0.017981070426425765,"channel":0,"num_words":14,"start":347.88998,"end":351.19},{"sentences":[{"text":"Yeah.","start":351.59998,"end":352.08,"sentiment":"neutral","sentiment_score":0.14405196905136108},{"text":"Cool.","start":352.08,"end":352.47998,"sentiment":"neutral","sentiment_score":0.3200262784957886},{"text":"So does that mean then down the track, we then look again at doing the insurance?","start":352.47998,"end":360.25998,"sentiment":"neutral","sentiment_score":0.0849855812266469},{"text":"Yeah.","start":360.615,"end":361.115,"sentiment":"neutral","sentiment_score":0.07031982392072678}],"sentiment":"neutral","sentiment_score":0.0996930195312751,"channel":1,"num_words":19,"start":351.59998,"end":361.115},{"sentences":[{"text":"Correct.","start":360.775,"end":361.09497,"sentiment":"neutral","sentiment_score":0.11347230523824692},{"text":"Correct.","start":361.09497,"end":361.59497,"sentiment":"neutral","sentiment_score":0.12730993330478668},{"text":"So just right now, I wanna consolidate your funds to, you know, snowball effect compounding returns a beautiful thing.","start":361.655,"end":367.01498,"sentiment":"neutral","sentiment_score":0.26348752018652466},{"text":"I want don't want two super funds, portion portions in each.","start":367.01498,"end":370.83,"sentiment":"neutral","sentiment_score":-0.030861212448640304},{"text":"I would","start":371.05,"end":371.37,"sentiment":"neutral","sentiment_score":0.08741118013858795}],"sentiment":"neutral","sentiment_score":0.14948218074791572,"channel":0,"num_words":34,"start":360.775,"end":371.37},{"sentences":[{"text":"Yep.","start":371.255,"end":371.755,"sentiment":"neutral","sentiment_score":0.14860090613365173}],"sentiment":"neutral","sentiment_score":0.14860090613365173,"channel":1,"num_words":1,"start":371.255,"end":371.755},{"sentences":[{"text":"like to have the it's called a retention strategy where you have the majority of your funds in one place that's working hard and getting better return,","start":371.37,"end":379.38998,"sentiment":"neutral","sentiment_score":0.24175561909322385}],"sentiment":"neutral","sentiment_score":0.24175561909322385,"channel":0,"num_words":27,"start":371.37,"end":379.38998},{"sentences":[{"text":"Yep.","start":379.88,"end":380.38,"sentiment":"neutral","sentiment_score":0.1259952038526535}],"sentiment":"neutral","sentiment_score":0.1259952038526535,"channel":1,"num_words":1,"start":379.88,"end":380.38},{"sentences":[{"text":"tracking for retirement, but then you leave a minimum amount in the previous one.","start":380.165,"end":384.185,"sentiment":"neutral","sentiment_score":0.08442913235298224},{"text":"And most most of the most of the time, we do that for, like, government employees, like, doctors where you've got into what's called an EBA, an enterprise bargaining arrangement, where you aren't allowed to pay sup where the employer isn't paying supers or anywhere else other than that one specific fund.","start":384.405,"end":400.35,"sentiment":"neutral","sentiment_score":0.03297804693619792},{"text":"But","start":400.89,"end":401.13,"sentiment":"neutral","sentiment_score":-0.018899191170930862}],"sentiment":"neutral","sentiment_score":0.042954732872434516,"channel":0,"num_words":67,"start":380.165,"end":401.13},{"sentences":[{"text":"Yeah.","start":401.095,"end":401.595,"sentiment":"neutral","sentiment_score":-0.04006782919168472}],"sentiment":"neutral","sentiment_score":-0.04006782919168472,"channel":1,"num_words":1,"start":401.095,"end":401.595},{"sentences":[{"text":"that, usually, that fund doesn't perform that well because of government.","start":401.13,"end":404.99,"sentiment":"neutral","sentiment_score":-0.15461089191111652},{"text":"Right?","start":405.05,"end":405.55,"sentiment":"neutral","sentiment_score":-0.014835763722658156}],"sentiment":"neutral","sentiment_score":-0.14296296456207833,"channel":0,"num_words":12,"start":401.13,"end":405.55},{"sentences":[{"text":"Yeah.","start":405.71,"end":406.21,"sentiment":"neutral","sentiment_score":-0.03254948556423187}],"sentiment":"neutral","sentiment_score":-0.03254948556423187,"channel":1,"num_words":1,"start":405.71,"end":406.21},{"sentences":[{"text":"So that's why we do a retention strategy.","start":405.865,"end":408.125,"sentiment":"neutral","sentiment_score":-0.006933195283636451},{"text":"But in","start":408.26498,"end":408.82498,"sentiment":"neutral","sentiment_score":-0.05827701836824418}],"sentiment":"neutral","sentiment_score":-0.017201959900557996,"channel":0,"num_words":10,"start":405.865,"end":408.82498},{"sentences":[{"text":"Yep.","start":408.75,"end":409.25,"sentiment":"neutral","sentiment_score":-0.05841244384646416}],"sentiment":"neutral","sentiment_score":-0.05841244384646416,"channel":1,"num_words":1,"start":408.75,"end":409.25},{"sentences":[{"text":"all cases, a beneficial outcome is not to do.","start":408.82498,"end":411.705,"sentiment":"neutral","sentiment_score":-0.15237434125608867},{"text":"And that's what I'm trying to do.","start":411.705,"end":412.745,"sentiment":"neutral","sentiment_score":0.005234776064753532},{"text":"I'm trying to see the best outcome because they may look after your best interest.","start":412.745,"end":415.72498,"sentiment":"neutral","sentiment_score":0.10012951418757439}],"sentiment":"neutral","sentiment_score":0.005394099160067497,"channel":0,"num_words":31,"start":408.82498,"end":415.72498},{"sentences":[{"text":"Yes.","start":415.94998,"end":416.44998,"sentiment":"neutral","sentiment_score":0.06438419222831726}],"sentiment":"neutral","sentiment_score":0.06438419222831726,"channel":1,"num_words":1,"start":415.94998,"end":416.44998},{"sentences":[{"text":"Okay?","start":417.22498,"end":417.72498,"sentiment":"neutral","sentiment_score":0.0629018247127533}],"sentiment":"neutral","sentiment_score":0.0629018247127533,"channel":0,"num_words":1,"start":417.22498,"end":417.72498},{"sentences":[{"text":"Cool.","start":417.55,"end":418.05,"sentiment":"neutral","sentiment_score":0.15489335358142853}],"sentiment":"neutral","sentiment_score":0.15489335358142853,"channel":1,"num_words":1,"start":417.55,"end":418.05},{"sentences":[{"text":"Does that make sense?","start":417.865,"end":418.585,"sentiment":"neutral","sentiment_score":0.07532409485429525},{"text":"Does that answer","start":418.585,"end":419.305,"sentiment":"neutral","sentiment_score":0.008499490097165108}],"sentiment":"neutral","sentiment_score":0.046684978529810905,"channel":0,"num_words":7,"start":417.865,"end":419.305},{"sentences":[{"text":"Yep.","start":419.15,"end":419.31,"sentiment":"neutral","sentiment_score":0.0004647926834877581}],"sentiment":"neutral","sentiment_score":0.0004647926834877581,"channel":1,"num_words":1,"start":419.15,"end":419.31},{"sentences":[{"text":"your","start":419.305,"end":419.38498,"sentiment":"neutral","sentiment_score":-0.014499478042125702}],"sentiment":"neutral","sentiment_score":-0.014499478042125702,"channel":0,"num_words":1,"start":419.305,"end":419.38498},{"sentences":[{"text":"Keep","start":419.31,"end":419.63,"sentiment":"neutral","sentiment_score":-0.013557648286223412}],"sentiment":"neutral","sentiment_score":-0.013557648286223412,"channel":1,"num_words":1,"start":419.31,"end":419.63},{"sentences":[{"text":"question?","start":419.38498,"end":419.865,"sentiment":"neutral","sentiment_score":-0.00326267397031188}],"sentiment":"neutral","sentiment_score":-0.00326267397031188,"channel":0,"num_words":1,"start":419.38498,"end":419.865},{"sentences":[{"text":"that.","start":419.63,"end":420.13,"sentiment":"neutral","sentiment_score":-0.004884262569248676}],"sentiment":"neutral","sentiment_score":-0.004884262569248676,"channel":1,"num_words":1,"start":419.63,"end":420.13},{"sentences":[{"text":"Or","start":419.865,"end":420.025,"sentiment":"neutral","sentiment_score":0.005315365269780159}],"sentiment":"neutral","sentiment_score":0.005315365269780159,"channel":0,"num_words":1,"start":419.865,"end":420.025},{"sentences":[{"text":"Yes.","start":420.59,"end":420.945,"sentiment":"neutral","sentiment_score":0.051296405494213104}],"sentiment":"neutral","sentiment_score":0.051296405494213104,"channel":1,"num_words":1,"start":420.59,"end":420.945},{"sentences":[{"text":"Beautiful.","start":421.72,"end":422.22,"sentiment":"positive","sentiment_score":0.37664055824279785}],"sentiment":"positive","sentiment_score":0.37664055824279785,"channel":0,"num_words":1,"start":421.72,"end":422.22},{"sentences":[{"text":"Cool.","start":421.98502,"end":422.465,"sentiment":"neutral","sentiment_score":0.32651686668395996},{"text":"Yep.","start":422.465,"end":422.785,"sentiment":"neutral","sentiment_score":0.26902955770492554},{"text":"That's","start":422.785,"end":423.025,"sentiment":"positive","sentiment_score":0.5090875029563904}],"sentiment":"positive","sentiment_score":0.368211309115092,"channel":1,"num_words":3,"start":421.98502,"end":423.025},{"sentences":[{"text":"Amazing.","start":423.0,"end":423.5,"sentiment":"positive","sentiment_score":0.5876821875572205}],"sentiment":"positive","sentiment_score":0.5876821875572205,"channel":0,"num_words":1,"start":423.0,"end":423.5},{"sentences":[{"text":"good.","start":423.025,"end":423.525,"sentiment":"positive","sentiment_score":0.5711718797683716}],"sentiment":"positive","sentiment_score":0.5711718797683716,"channel":1,"num_words":1,"start":423.025,"end":423.525},{"sentences":[{"text":"Amazing.","start":423.8,"end":424.3,"sentiment":"positive","sentiment_score":0.4773930311203003},{"text":"Well, look,","start":424.36,"end":425.08,"sentiment":"neutral","sentiment_score":0.0811365507543087}],"sentiment":"neutral","sentiment_score":0.21322204420963922,"channel":0,"num_words":3,"start":423.8,"end":425.08},{"sentences":[{"text":"And then","start":424.785,"end":425.36502,"sentiment":"neutral","sentiment_score":0.022567888721823692}],"sentiment":"neutral","sentiment_score":0.022567888721823692,"channel":1,"num_words":2,"start":424.785,"end":425.36502},{"sentences":[{"text":"I also sorry.","start":425.08,"end":426.43997,"sentiment":"neutral","sentiment_score":-0.0225728756437699},{"text":"Go on.","start":426.43997,"end":427.09998,"sentiment":"neutral","sentiment_score":-0.01180436136201024}],"sentiment":"neutral","sentiment_score":-0.018265469931066036,"channel":0,"num_words":5,"start":425.08,"end":427.09998},{"sentences":[{"text":"sorry.","start":426.86502,"end":427.02502,"sentiment":"neutral","sentiment_score":-0.03287884220480919},{"text":"Also, just slightly different but still on super.","start":427.02502,"end":431.125,"sentiment":"neutral","sentiment_score":-0.024865688290446997}],"sentiment":"neutral","sentiment_score":-0.02575603872537613,"channel":1,"num_words":9,"start":426.86502,"end":431.125},{"sentences":[{"text":"Yep.","start":431.63998,"end":432.13998,"sentiment":"neutral","sentiment_score":0.009406650438904762}],"sentiment":"neutral","sentiment_score":0.009406650438904762,"channel":0,"num_words":1,"start":431.63998,"end":432.13998},{"sentences":[{"text":"I have submitted my documentation, like, to the department to get the super changed over.","start":431.825,"end":439.11002,"sentiment":"neutral","sentiment_score":-0.004294111207127571}],"sentiment":"neutral","sentiment_score":-0.004294111207127571,"channel":1,"num_words":15,"start":431.825,"end":439.11002},{"sentences":[{"text":"Yep.","start":439.535,"end":440.035,"sentiment":"neutral","sentiment_score":0.019052844494581223}],"sentiment":"neutral","sentiment_score":0.019052844494581223,"channel":0,"num_words":1,"start":439.535,"end":440.035},{"sentences":[{"text":"And it does say on my payslip that it has been changed right apart, but it hasn't hit the the hub twenty four bank account yet.","start":441.01,"end":447.975,"sentiment":"neutral","sentiment_score":-0.022299807733641222},{"text":"So if","start":448.135,"end":448.375,"sentiment":"neutral","sentiment_score":0.004055514466017485}],"sentiment":"neutral","sentiment_score":-0.020417284719379886,"channel":1,"num_words":28,"start":441.01,"end":448.375},{"sentences":[{"text":"That's","start":448.3,"end":448.8,"sentiment":"neutral","sentiment_score":0.009831794537603855}],"sentiment":"neutral","sentiment_score":0.009831794537603855,"channel":0,"num_words":1,"start":448.3,"end":448.8},{"sentences":[{"text":"that went through, do you want me to send you an email and say that it like, it's all been","start":448.375,"end":451.815,"sentiment":"neutral","sentiment_score":0.01898984517902136}],"sentiment":"neutral","sentiment_score":0.01898984517902136,"channel":1,"num_words":20,"start":448.375,"end":451.815},{"sentences":[{"text":"alright.","start":452.13998,"end":452.62,"sentiment":"neutral","sentiment_score":-0.023729998618364338},{"text":"We we could check on our site,","start":452.62,"end":454.3,"sentiment":"neutral","sentiment_score":0.06035988724657467}],"sentiment":"neutral","sentiment_score":0.0498486515134573,"channel":0,"num_words":8,"start":452.13998,"end":454.3},{"sentences":[{"text":"oh,","start":454.135,"end":454.375,"sentiment":"neutral","sentiment_score":0.06082042306661606}],"sentiment":"neutral","sentiment_score":0.06082042306661606,"channel":1,"num_words":1,"start":454.135,"end":454.375},{"sentences":[{"text":"but","start":454.3,"end":454.46,"sentiment":"neutral","sentiment_score":0.04766813665628433}],"sentiment":"neutral","sentiment_score":0.04766813665628433,"channel":0,"num_words":1,"start":454.3,"end":454.46},{"sentences":[{"text":"you","start":454.375,"end":454.535,"sentiment":"neutral","sentiment_score":0.045420363545417786}],"sentiment":"neutral","sentiment_score":0.045420363545417786,"channel":1,"num_words":1,"start":454.375,"end":454.535},{"sentences":[{"text":"look,","start":454.46,"end":454.62,"sentiment":"neutral","sentiment_score":0.05565140023827553}],"sentiment":"neutral","sentiment_score":0.05565140023827553,"channel":0,"num_words":1,"start":454.46,"end":454.62},{"sentences":[{"text":"can","start":454.535,"end":454.695,"sentiment":"neutral","sentiment_score":0.046084169298410416}],"sentiment":"neutral","sentiment_score":0.046084169298410416,"channel":1,"num_words":1,"start":454.535,"end":454.695},{"sentences":[{"text":"it","start":454.62,"end":454.69998,"sentiment":"neutral","sentiment_score":0.07102548331022263}],"sentiment":"neutral","sentiment_score":0.07102548331022263,"channel":0,"num_words":1,"start":454.62,"end":454.69998},{"sentences":[{"text":"check","start":454.695,"end":454.855,"sentiment":"neutral","sentiment_score":0.06197123229503632}],"sentiment":"neutral","sentiment_score":0.06197123229503632,"channel":1,"num_words":1,"start":454.695,"end":454.855},{"sentences":[{"text":"won't","start":454.69998,"end":454.94,"sentiment":"neutral","sentiment_score":0.04999777302145958}],"sentiment":"neutral","sentiment_score":0.04999777302145958,"channel":0,"num_words":1,"start":454.69998,"end":454.94},{"sentences":[{"text":"that","start":454.855,"end":455.095,"sentiment":"neutral","sentiment_score":0.034526534378528595}],"sentiment":"neutral","sentiment_score":0.034526534378528595,"channel":1,"num_words":1,"start":454.855,"end":455.095},{"sentences":[{"text":"hurt.","start":454.94,"end":455.44,"sentiment":"neutral","sentiment_score":0.05113516747951507}],"sentiment":"neutral","sentiment_score":0.05113516747951507,"channel":0,"num_words":1,"start":454.94,"end":455.44},{"sentences":[{"text":"now?","start":455.095,"end":455.495,"sentiment":"neutral","sentiment_score":0.0490434467792511},{"text":"Yep.","start":455.495,"end":455.995,"sentiment":"neutral","sentiment_score":0.10994017124176024}],"sentiment":"neutral","sentiment_score":0.07949180901050568,"channel":1,"num_words":2,"start":455.095,"end":455.995},{"sentences":[{"text":"Yeah.","start":455.58,"end":455.9,"sentiment":"neutral","sentiment_score":0.14102129638195038},{"text":"Correct.","start":455.9,"end":456.38,"sentiment":"neutral","sentiment_score":0.2294643223285675},{"text":"So but but it won't hurt at all.","start":456.38,"end":458.13998,"sentiment":"neutral","sentiment_score":0.2781055271625519},{"text":"I mean,","start":458.13998,"end":458.53998,"sentiment":"neutral","sentiment_score":0.283717542886734}],"sentiment":"neutral","sentiment_score":0.26356374348203343,"channel":0,"num_words":12,"start":455.58,"end":458.53998},{"sentences":[{"text":"Cool.","start":458.375,"end":458.875,"sentiment":"positive","sentiment_score":0.48214736580848694}],"sentiment":"positive","sentiment_score":0.48214736580848694,"channel":1,"num_words":1,"start":458.375,"end":458.875},{"sentences":[{"text":"if you yeah.","start":458.53998,"end":459.9,"sentiment":"neutral","sentiment_score":0.2413737674554189},{"text":"If you just let us know, if you can see it on your end, you know, it's just that we both if we both carry on checking, you'll be amazed by how many times these the payslip status change.","start":459.9,"end":470.255,"sentiment":"neutral","sentiment_score":0.2275402016746692},{"text":"But just admin, you know, the payroll kind of sector, they just they just pay to the same super funds or what, and just someone just doesn't change it.","start":470.255,"end":478.65002,"sentiment":"neutral","sentiment_score":-0.08505922902760835},{"text":"So","start":478.79,"end":479.27002,"sentiment":"neutral","sentiment_score":0.04274609684944153}],"sentiment":"neutral","sentiment_score":0.09964191142676605,"channel":0,"num_words":72,"start":458.53998,"end":479.27002},{"sentences":[{"text":"Yeah.","start":479.11502,"end":479.435,"sentiment":"neutral","sentiment_score":0.06987209618091583}],"sentiment":"neutral","sentiment_score":0.06987209618091583,"channel":1,"num_words":1,"start":479.11502,"end":479.435},{"sentences":[{"text":"that's","start":479.27002,"end":479.67,"sentiment":"neutral","sentiment_score":0.05960476025938988}],"sentiment":"neutral","sentiment_score":0.05960476025938988,"channel":0,"num_words":1,"start":479.27002,"end":479.67},{"sentences":[{"text":"I guess.","start":479.435,"end":479.755,"sentiment":"neutral","sentiment_score":0.05974760092794895},{"text":"I mean, that's why I like","start":479.755,"end":480.715,"sentiment":"neutral","sentiment_score":0.10441902714471023}],"sentiment":"neutral","sentiment_score":0.0932511705905199,"channel":1,"num_words":8,"start":479.435,"end":480.715},{"sentences":[{"text":"yes.","start":480.55002,"end":481.05002,"sentiment":"neutral","sentiment_score":0.17992572486400604}],"sentiment":"neutral","sentiment_score":0.17992572486400604,"channel":0,"num_words":1,"start":480.55002,"end":481.05002},{"sentences":[{"text":"to, like, make sure","start":480.715,"end":481.995,"sentiment":"neutral","sentiment_score":0.057888733223080635}],"sentiment":"neutral","sentiment_score":0.057888733223080635,"channel":1,"num_words":4,"start":480.715,"end":481.995},{"sentences":[{"text":"Yeah.","start":481.91,"end":482.31003,"sentiment":"neutral","sentiment_score":0.09513889253139496}],"sentiment":"neutral","sentiment_score":0.09513889253139496,"channel":0,"num_words":1,"start":481.91,"end":482.31003},{"sentences":[{"text":"it's all","start":481.995,"end":482.39502,"sentiment":"neutral","sentiment_score":0.09002148732542992}],"sentiment":"neutral","sentiment_score":0.09002148732542992,"channel":1,"num_words":2,"start":481.995,"end":482.39502},{"sentences":[{"text":"Correct.","start":482.31003,"end":482.81003,"sentiment":"neutral","sentiment_score":0.21040694415569303}],"sentiment":"neutral","sentiment_score":0.21040694415569303,"channel":0,"num_words":1,"start":482.31003,"end":482.81003},{"sentences":[{"text":"good.","start":482.39502,"end":482.89502,"sentiment":"neutral","sentiment_score":0.2566620707511902}],"sentiment":"neutral","sentiment_score":0.2566620707511902,"channel":1,"num_words":1,"start":482.39502,"end":482.89502},{"sentences":[{"text":"And then the worst part is that's one of the worst things that can happen.","start":483.11002,"end":486.01,"sentiment":"negative","sentiment_score":-0.48244363963603976},{"text":"The worst thing that can happen is move all super funds over and cancel your existing insurances so that you're unsure.","start":486.485,"end":491.76498,"sentiment":"negative","sentiment_score":-0.5482868481250036},{"text":"That's what, by far, the worst thing that can happen.","start":491.76498,"end":494.325,"sentiment":"negative","sentiment_score":-0.527445775270462},{"text":"Right?","start":494.325,"end":494.485,"sentiment":"neutral","sentiment_score":-0.19143089652061465},{"text":"Murphy's","start":494.485,"end":494.885,"sentiment":"neutral","sentiment_score":-0.17998185753822327}],"sentiment":"negative","sentiment_score":-0.5082614356651902,"channel":0,"num_words":48,"start":483.11002,"end":494.885},{"sentences":[{"text":"Yeah.","start":494.85,"end":495.17,"sentiment":"neutral","sentiment_score":-0.12927938997745514}],"sentiment":"neutral","sentiment_score":-0.12927938997745514,"channel":1,"num_words":1,"start":494.85,"end":495.17},{"sentences":[{"text":"law, something","start":494.885,"end":495.365,"sentiment":"neutral","sentiment_score":-0.15641561150550842}],"sentiment":"neutral","sentiment_score":-0.15641561150550842,"channel":0,"num_words":2,"start":494.885,"end":495.365},{"sentences":[{"text":"Exactly.","start":495.17,"end":495.67,"sentiment":"neutral","sentiment_score":-0.17315809428691864}],"sentiment":"neutral","sentiment_score":-0.17315809428691864,"channel":1,"num_words":1,"start":495.17,"end":495.67},{"sentences":[{"text":"will happen to you, you're not sure.","start":495.365,"end":496.805,"sentiment":"neutral","sentiment_score":-0.24289751265730178},{"text":"But the second worst thing is more actually, not more of them, but sometimes the we will close on the existing Superfund, move your funds over to whichever funds recommended for a client, and then the employer, even after receiving that Superdrugs contribution form that you filled out and submitted, they will receive it.","start":496.805,"end":514.905,"sentiment":"neutral","sentiment_score":-0.2100227944276951},{"text":"They'll say it they'll send you a pay slip that you're paying it, but if they just transfer it because of administration errors, whatever it might be, they just transfer it straight into the old time.","start":514.905,"end":523.22504,"sentiment":"neutral","sentiment_score":-0.25859028701153064},{"text":"And what happens is they don't reject that money because you don't have an account.","start":523.22504,"end":526.905,"sentiment":"negative","sentiment_score":-0.33953078587849933},{"text":"They set up a whole new account with the all and they charge all the fees again, and it's it's yeah.","start":526.905,"end":533.45996,"sentiment":"negative","sentiment_score":-0.4276473607335772}],"sentiment":"neutral","sentiment_score":-0.27386706905033353,"channel":0,"num_words":133,"start":495.365,"end":533.45996},{"sentences":[{"text":"It's not not the best outcome.","start":533.45996,"end":535.07996,"sentiment":"negative","sentiment_score":-0.4765937527020772},{"text":"But, look,","start":535.13995,"end":535.62,"sentiment":"neutral","sentiment_score":-0.07154572382569313}],"sentiment":"negative","sentiment_score":-0.3753317454829812,"channel":0,"num_words":8,"start":533.45996,"end":535.62},{"sentences":[{"text":"Yes.","start":535.54,"end":535.62,"sentiment":"neutral","sentiment_score":-0.015439942479133606},{"text":"No.","start":535.62,"end":536.12,"sentiment":"neutral","sentiment_score":-0.3292750120162964}],"sentiment":"neutral","sentiment_score":-0.172357477247715,"channel":1,"num_words":2,"start":535.54,"end":536.12},{"sentences":[{"text":"we've dealt with it before, so we'll deal with it again, I'm sure.","start":535.62,"end":539.39996,"sentiment":"neutral","sentiment_score":-0.29334957611102325},{"text":"But, yeah, look, we've we've been pretty pretty we're pretty diligent when it comes to this stuff.","start":539.62,"end":544.005,"sentiment":"neutral","sentiment_score":0.08292249699725825},{"text":"We've been","start":544.085,"end":544.405,"sentiment":"neutral","sentiment_score":0.20119158178567886}],"sentiment":"neutral","sentiment_score":-0.06254621490370482,"channel":0,"num_words":32,"start":535.62,"end":544.405},{"sentences":[{"text":"Yep.","start":544.335,"end":544.835,"sentiment":"neutral","sentiment_score":0.27867642045021057}],"sentiment":"neutral","sentiment_score":0.27867642045021057,"channel":1,"num_words":1,"start":544.335,"end":544.835},{"sentences":[{"text":"doing","start":544.405,"end":544.905,"sentiment":"positive","sentiment_score":0.4366791546344757}],"sentiment":"positive","sentiment_score":0.4366791546344757,"channel":0,"num_words":1,"start":544.405,"end":544.905},{"sentences":[{"text":"Cool.","start":546.09503,"end":546.41504,"sentiment":"positive","sentiment_score":0.5969791412353516},{"text":"Brilliant.","start":546.41504,"end":546.91504,"sentiment":"positive","sentiment_score":0.6448568105697632}],"sentiment":"positive","sentiment_score":0.6209179759025574,"channel":1,"num_words":2,"start":546.09503,"end":546.91504},{"sentences":[{"text":"it","start":547.28503,"end":547.78503,"sentiment":"neutral","sentiment_score":0.20941294729709625}],"sentiment":"neutral","sentiment_score":0.20941294729709625,"channel":0,"num_words":1,"start":547.28503,"end":547.78503},{"sentences":[{"text":"So if I just send an email, do I just send it directly","start":547.695,"end":550.255,"sentiment":"neutral","sentiment_score":0.06289645427694687}],"sentiment":"neutral","sentiment_score":0.06289645427694687,"channel":1,"num_words":13,"start":547.695,"end":550.255},{"sentences":[{"text":"for","start":550.165,"end":550.665,"sentiment":"neutral","sentiment_score":0.037441469728946686}],"sentiment":"neutral","sentiment_score":0.037441469728946686,"channel":0,"num_words":1,"start":550.165,"end":550.665},{"sentences":[{"text":"to you or just to, like,","start":550.255,"end":551.61,"sentiment":"neutral","sentiment_score":0.04975728318095207}],"sentiment":"neutral","sentiment_score":0.04975728318095207,"channel":1,"num_words":6,"start":550.255,"end":551.61},{"sentences":[{"text":"a long time.","start":551.84503,"end":552.085,"sentiment":"neutral","sentiment_score":0.04973854869604111},{"text":"Either","start":552.085,"end":552.485,"sentiment":"neutral","sentiment_score":0.01787460595369339}],"sentiment":"neutral","sentiment_score":0.04177256301045418,"channel":0,"num_words":4,"start":551.84503,"end":552.485},{"sentences":[{"text":"Madison","start":552.17,"end":552.64996,"sentiment":"neutral","sentiment_score":0.020561788231134415}],"sentiment":"neutral","sentiment_score":0.020561788231134415,"channel":1,"num_words":1,"start":552.17,"end":552.64996},{"sentences":[{"text":"or","start":552.485,"end":552.725,"sentiment":"neutral","sentiment_score":0.01943604461848736}],"sentiment":"neutral","sentiment_score":0.01943604461848736,"channel":0,"num_words":1,"start":552.485,"end":552.725},{"sentences":[{"text":"or","start":552.64996,"end":552.89,"sentiment":"neutral","sentiment_score":0.02168515883386135}],"sentiment":"neutral","sentiment_score":0.02168515883386135,"channel":1,"num_words":1,"start":552.64996,"end":552.89},{"sentences":[{"text":"info.","start":552.805,"end":553.205,"sentiment":"neutral","sentiment_score":0.03298985958099365},{"text":"Yeah.","start":553.205,"end":553.525,"sentiment":"neutral","sentiment_score":0.12794306874275208},{"text":"Maddie, myself, info is a good one.","start":553.525,"end":556.405,"sentiment":"neutral","sentiment_score":0.15527027632508958},{"text":"Info, like, INFO","start":556.405,"end":557.865,"sentiment":"neutral","sentiment_score":0.06251728037993114}],"sentiment":"neutral","sentiment_score":0.11961472531159718,"channel":0,"num_words":12,"start":552.805,"end":557.865},{"sentences":[{"text":"yep.","start":557.45,"end":557.76996,"sentiment":"neutral","sentiment_score":0.04524781182408333},{"text":"Oh, yes.","start":557.76996,"end":558.51,"sentiment":"neutral","sentiment_score":0.03994271717965603}],"sentiment":"neutral","sentiment_score":0.0417110820611318,"channel":1,"num_words":3,"start":557.45,"end":558.51},{"sentences":[{"text":"as of three Financial.","start":558.085,"end":559.225,"sentiment":"neutral","sentiment_score":0.03220733255147934},{"text":"But","start":559.53,"end":559.69,"sentiment":"neutral","sentiment_score":0.024597497656941417}],"sentiment":"neutral","sentiment_score":0.030685365572571753,"channel":0,"num_words":5,"start":558.085,"end":559.69},{"sentences":[{"text":"Yep.","start":559.69,"end":560.19,"sentiment":"neutral","sentiment_score":0.05051290988922119}],"sentiment":"neutral","sentiment_score":0.05051290988922119,"channel":1,"num_words":1,"start":559.69,"end":560.19},{"sentences":[{"text":"look, just just if you just send it straight to me, I'll make","start":559.69,"end":562.81006,"sentiment":"neutral","sentiment_score":0.03955842096071977}],"sentiment":"neutral","sentiment_score":0.03955842096071977,"channel":0,"num_words":13,"start":559.69,"end":562.81006},{"sentences":[{"text":"Mhmm.","start":562.81,"end":563.31,"sentiment":"neutral","sentiment_score":0.03782094269990921}],"sentiment":"neutral","sentiment_score":0.03782094269990921,"channel":1,"num_words":1,"start":562.81,"end":563.31},{"sentences":[{"text":"sure that it gets done.","start":562.81006,"end":564.11005,"sentiment":"neutral","sentiment_score":0.056969613581895825}],"sentiment":"neutral","sentiment_score":0.056969613581895825,"channel":0,"num_words":5,"start":562.81006,"end":564.11005},{"sentences":[{"text":"Yep.","start":564.25,"end":564.64996,"sentiment":"neutral","sentiment_score":0.1654486358165741},{"text":"Brilliant.","start":564.64996,"end":565.14996,"sentiment":"positive","sentiment_score":0.4129376411437988},{"text":"Cool.","start":565.20996,"end":565.695,"sentiment":"neutral","sentiment_score":0.30802834033966064},{"text":"Yeah.","start":565.775,"end":565.855,"sentiment":"neutral","sentiment_score":0.16031719744205475},{"text":"Yeah.","start":565.855,"end":566.09503,"sentiment":"neutral","sentiment_score":0.11294439435005188}],"sentiment":"neutral","sentiment_score":0.23193524181842803,"channel":1,"num_words":5,"start":564.25,"end":566.09503},{"sentences":[{"text":"Like I said, I'll keep an eye on it and then yeah.","start":566.09503,"end":567.935,"sentiment":"neutral","sentiment_score":0.08412209339439869},{"text":"Go by checking.","start":567.935,"end":568.835,"sentiment":"neutral","sentiment_score":0.048655992994705834}],"sentiment":"neutral","sentiment_score":0.07702887331446012,"channel":1,"num_words":15,"start":566.09503,"end":568.835},{"sentences":[{"text":"So Yep.","start":569.93005,"end":571.21,"sentiment":"neutral","sentiment_score":0.06177615374326706},{"text":"Yeah.","start":571.21,"end":571.53,"sentiment":"neutral","sentiment_score":0.08389478921890259},{"text":"Yep.","start":571.53,"end":571.905,"sentiment":"neutral","sentiment_score":0.08151759207248688},{"text":"Join forces.","start":572.065,"end":572.78503,"sentiment":"neutral","sentiment_score":0.10396398231387138},{"text":"We'll make it happen.","start":572.78503,"end":573.585,"sentiment":"neutral","sentiment_score":0.18424381501972675}],"sentiment":"neutral","sentiment_score":0.12338679134845734,"channel":0,"num_words":10,"start":569.93005,"end":573.585},{"sentences":[{"text":"Sorry.","start":573.585,"end":573.74506,"sentiment":"neutral","sentiment_score":-0.005620736628770828},{"text":"I'm just trying.","start":573.74506,"end":574.465,"sentiment":"neutral","sentiment_score":-0.01818115885059039},{"text":"I'm a boy.","start":574.465,"end":575.025,"sentiment":"neutral","sentiment_score":-0.013713019589583078},{"text":"I can only do one thing at a time.","start":575.025,"end":576.78503,"sentiment":"neutral","sentiment_score":-0.014840522367093299},{"text":"It's a benefit and a curse sometimes, but submitted super choice nomination form and change on a work already.","start":576.78503,"end":586.885,"sentiment":"neutral","sentiment_score":0.022002019821421095}],"sentiment":"neutral","sentiment_score":0.005233440095824855,"channel":0,"num_words":35,"start":573.585,"end":586.885},{"sentences":[{"text":"Just waiting to receive under the top of payroll.","start":588.36,"end":593.1,"sentiment":"neutral","sentiment_score":0.027159509973393545},{"text":"Super contribution.","start":594.52,"end":595.58,"sentiment":"neutral","sentiment_score":0.11566983163356781},{"text":"How to buy.","start":597.0,"end":597.9,"sentiment":"neutral","sentiment_score":0.061967406421899796},{"text":"Beautiful.","start":598.76,"end":599.26,"sentiment":"positive","sentiment_score":0.3566662073135376},{"text":"Yeah.","start":600.375,"end":600.53503,"sentiment":"neutral","sentiment_score":0.13371896743774414}],"sentiment":"neutral","sentiment_score":0.07200391544029117,"channel":0,"num_words":16,"start":588.36,"end":600.53503},{"sentences":[{"text":"Look.","start":600.53503,"end":600.775,"sentiment":"neutral","sentiment_score":0.14153873920440674},{"text":"That's pretty much everything.","start":600.775,"end":601.73505,"sentiment":"neutral","sentiment_score":0.11163731850683689},{"text":"So we're gonna submit that take over terms application.","start":601.73505,"end":604.395,"sentiment":"neutral","sentiment_score":0.07503043736020724},{"text":"Once","start":605.895,"end":606.215,"sentiment":"neutral","sentiment_score":0.059101901948452}],"sentiment":"neutral","sentiment_score":0.08816425676147142,"channel":0,"num_words":15,"start":600.53503,"end":606.215},{"sentences":[{"text":"Yep.","start":605.91504,"end":606.09,"sentiment":"neutral","sentiment_score":0.06412501633167267}],"sentiment":"neutral","sentiment_score":0.06412501633167267,"channel":1,"num_words":1,"start":605.91504,"end":606.09},{"sentences":[{"text":"we go through that, when we you know, you just let us know when you receive the when you've received that pay or we'll find it first.","start":606.215,"end":614.31,"sentiment":"neutral","sentiment_score":0.06478154631676497},{"text":"Either or I'll erase you to emails and try the best.","start":614.31,"end":617.29,"sentiment":"neutral","sentiment_score":0.026067795231938362},{"text":"Okay?","start":617.75,"end":618.25,"sentiment":"neutral","sentiment_score":0.05269695073366165}],"sentiment":"neutral","sentiment_score":0.05355242176506764,"channel":0,"num_words":39,"start":606.215,"end":618.25},{"sentences":[{"text":"Yep.","start":617.93005,"end":618.43005,"sentiment":"neutral","sentiment_score":0.05287365242838859}],"sentiment":"neutral","sentiment_score":0.05287365242838859,"channel":1,"num_words":1,"start":617.93005,"end":618.43005},{"sentences":[{"text":"And once the take a chance to get approved and move down, but what we'll do is just we will keep you updated.","start":618.55,"end":623.75,"sentiment":"neutral","sentiment_score":0.0663426385625549},{"text":"We'll let you know pretty much when the strategy is completed.","start":623.75,"end":626.01,"sentiment":"neutral","sentiment_score":0.07919700376012108}],"sentiment":"neutral","sentiment_score":0.0705014037735322,"channel":0,"num_words":34,"start":618.55,"end":626.01},{"sentences":[{"text":"Yep.","start":626.375,"end":626.775,"sentiment":"neutral","sentiment_score":0.18562458455562592},{"text":"Brilliant.","start":626.775,"end":627.255,"sentiment":"positive","sentiment_score":0.4624705910682678},{"text":"Thank you for that.","start":627.255,"end":628.235,"sentiment":"positive","sentiment_score":0.6337468475103378}],"sentiment":"positive","sentiment_score":0.5305137609442075,"channel":1,"num_words":6,"start":626.375,"end":628.235},{"sentences":[{"text":"Perfect.","start":628.445,"end":628.765,"sentiment":"positive","sentiment_score":0.5291949510574341},{"text":"How's everything been so far?","start":628.765,"end":630.205,"sentiment":"neutral","sentiment_score":0.2672079712152481},{"text":"Nice and easy?","start":630.205,"end":631.105,"sentiment":"positive","sentiment_score":0.36680153012275696}],"sentiment":"neutral","sentiment_score":0.3295154886113273,"channel":0,"num_words":9,"start":628.445,"end":631.105},{"sentences":[{"text":"Yeah.","start":633.575,"end":633.815,"sentiment":"neutral","sentiment_score":0.05341427028179169},{"text":"It seems to have","start":633.815,"end":634.455,"sentiment":"neutral","sentiment_score":0.02627667784690857}],"sentiment":"neutral","sentiment_score":0.031704196333885194,"channel":1,"num_words":5,"start":633.575,"end":634.455},{"sentences":[{"text":"Or","start":634.285,"end":634.785,"sentiment":"neutral","sentiment_score":0.008603138849139214}],"sentiment":"neutral","sentiment_score":0.008603138849139214,"channel":0,"num_words":1,"start":634.285,"end":634.785},{"sentences":[{"text":"been.","start":634.455,"end":634.695,"sentiment":"neutral","sentiment_score":0.03152722865343094},{"text":"Yeah.","start":634.695,"end":635.04,"sentiment":"neutral","sentiment_score":0.06515663862228394},{"text":"Yeah.","start":635.92,"end":636.32,"sentiment":"neutral","sentiment_score":0.08468763530254364},{"text":"Seems so.","start":636.32,"end":636.39996,"sentiment":"neutral","sentiment_score":0.11937089636921883},{"text":"So","start":636.39996,"end":636.89996,"sentiment":"neutral","sentiment_score":0.15683859586715698}],"sentiment":"neutral","sentiment_score":0.0961586485306422,"channel":1,"num_words":6,"start":634.455,"end":636.89996},{"sentences":[{"text":"Yeah.","start":637.565,"end":637.805,"sentiment":"neutral","sentiment_score":0.22857411205768585}],"sentiment":"neutral","sentiment_score":0.22857411205768585,"channel":0,"num_words":1,"start":637.565,"end":637.805},{"sentences":[{"text":"everything's","start":637.6,"end":638.0,"sentiment":"neutral","sentiment_score":0.3317487835884094}],"sentiment":"neutral","sentiment_score":0.3317487835884094,"channel":1,"num_words":1,"start":637.6,"end":638.0},{"sentences":[{"text":"Nice.","start":637.805,"end":638.305,"sentiment":"positive","sentiment_score":0.47372812032699585}],"sentiment":"positive","sentiment_score":0.47372812032699585,"channel":0,"num_words":1,"start":637.805,"end":638.305},{"sentences":[{"text":"going well.","start":638.0,"end":638.74,"sentiment":"positive","sentiment_score":0.46340589225292206}],"sentiment":"positive","sentiment_score":0.46340589225292206,"channel":1,"num_words":2,"start":638.0,"end":638.74},{"sentences":[{"text":"Beautiful.","start":639.27,"end":639.77,"sentiment":"positive","sentiment_score":0.5380652546882629},{"text":"It's yeah.","start":639.83,"end":640.55005,"sentiment":"neutral","sentiment_score":0.2996038347482681},{"text":"There's a lot of movements and I just wanna make sure that you're comfortable and know what's going on.","start":640.55005,"end":644.81006,"sentiment":"neutral","sentiment_score":0.2555061437581715}],"sentiment":"neutral","sentiment_score":0.272358620708639,"channel":0,"num_words":22,"start":639.27,"end":644.81006},{"sentences":[{"text":"Yes.","start":645.12,"end":645.4769,"sentiment":"neutral","sentiment_score":0.23182305693626404}],"sentiment":"neutral","sentiment_score":0.23182305693626404,"channel":1,"num_words":1,"start":645.12,"end":645.4769},{"sentences":[{"text":"Beautiful.","start":646.7769,"end":647.2769,"sentiment":"neutral","sentiment_score":0.2523304522037506},{"text":"Alright, Paul.","start":647.41693,"end":648.05695,"sentiment":"positive","sentiment_score":0.44782887399196625},{"text":"Cameron, you enjoy the rest of your day.","start":648.05695,"end":649.2569,"sentiment":"positive","sentiment_score":0.6483574276790023},{"text":"Alright?","start":649.2569,"end":649.49695,"sentiment":"neutral","sentiment_score":0.21064814925193787},{"text":"I'll speak to you soon.","start":649.49695,"end":650.55695,"sentiment":"neutral","sentiment_score":0.2847960352897644}],"sentiment":"positive","sentiment_score":0.46879270278355656,"channel":0,"num_words":17,"start":646.7769,"end":650.55695},{"sentences":[{"text":"Yep.","start":650.11694,"end":650.5169,"sentiment":"neutral","sentiment_score":0.23221421241760257},{"text":"Will do.","start":650.5169,"end":650.99695,"sentiment":"positive","sentiment_score":0.3778311163187027},{"text":"Same to you.","start":650.99695,"end":651.3969,"sentiment":"positive","sentiment_score":0.5354843338330587},{"text":"Thank you so much.","start":651.3969,"end":652.29694,"sentiment":"positive","sentiment_score":0.8074400424957275}],"sentiment":"positive","sentiment_score":0.5824089616537094,"channel":1,"num_words":10,"start":650.11694,"end":652.29694},{"sentences":[{"text":"See you.","start":652.4569,"end":652.85693,"sentiment":"positive","sentiment_score":0.5976304411888123},{"text":"Bye.","start":652.85693,"end":653.35693,"sentiment":"neutral","sentiment_score":0.31881630420684814}],"sentiment":"positive","sentiment_score":0.5046923955281576,"channel":0,"num_words":3,"start":652.4569,"end":653.35693},{"sentences":[{"text":"Thanks.","start":653.3969,"end":653.7169,"sentiment":"positive","sentiment_score":0.5862356424331665},{"text":"Bye.","start":653.7169,"end":654.2169,"sentiment":"neutral","sentiment_score":-0.1250169575214386}],"sentiment":"neutral","sentiment_score":0.23060934245586395,"channel":1,"num_words":2,"start":653.3969,"end":654.2169}]},"summary":{"result":"success","short":"Representatives from IP Financial speak with Chevy Todd about their six transfer terms eligibility questionnaire. The customer expresses their desire to work due to mental health exclusions and discusses their desire to work due to exclusions. The representatives explain the process of updating coverage and offer a hub 24 product to take over. The retention strategy is beneficial for government employees and healthcare workers, with a potential error in transferring funds to the wrong account being advised. The conversation ends with the speaker thanking the caller and wishing them a good day."},"intents":{"segments":[{"text":"that I got caught up with the whole, like, being part time and maternity leave, but that's not what the question is asking. Yeah.","start_word":275,"end_word":298,"intents":[{"intent":"Clarify questions and purpose","confidence_score":0.00001702283}]},{"text":"So so question two, have you in the last twelve months been absent from work or unable to Yep. fully perform your duties of your usual occupation, whether employed or unemployed, or your unpaid domestic duties if you are unemployed or sole occupation director due to illness or injury. So you weren't working because of maternity leave, but it wasn't because of injury or illness. Right? Yes.","start_word":374,"end_word":440,"intents":[{"intent":"Confirm availability","confidence_score":0.010456842},{"intent":"Confirm employment","confidence_score":0.022254715},{"intent":"Inquire about medical status","confidence_score":0.0057522235}]},{"text":"Have you ever had an insurance application for death only, death and total permanent disability, or terminal illness, or income protection cover ever be refused?","start_word":472,"end_word":496,"intents":[{"intent":"Confirm insurance application","confidence_score":0.027819311},{"intent":"Inquire about insurance applications","confidence_score":0.00061757077}]},{"text":"So does this so this just gives a little bit more evidence to to our application. Is that that's the No.","start_word":599,"end_word":619,"intents":[{"intent":"Provide evidence","confidence_score":0.010553765}]},{"text":"That's how you get the insurance premium.","start_word":705,"end_word":711,"intents":[{"intent":"Obtain insurance premium","confidence_score":0.16750324}]},{"text":"Well, how do we get your super consolidated into one place to get it working harder for you, but at the same time, make sure that you got insurance covered. If not enough, at least some. Yes.","start_word":908,"end_word":944,"intents":[{"intent":"Consolidate super fund","confidence_score":0.013034734},{"intent":"Consolidate super fund","confidence_score":0.0070839617}]},{"text":"what we can do is just literally move them over, and they're gonna be owned under the platform of Upstream for instead of the existing super fund. Okay.","start_word":1012,"end_word":1039,"intents":[{"intent":"Move super funds to platform","confidence_score":0.00060509983}]},{"text":"So just right now, I wanna consolidate your funds to, you know, snowball effect compounding returns a beautiful thing. I want don't want two super funds, portion portions in each. I would Yep.","start_word":1076,"end_word":1108,"intents":[{"intent":"Consolidate funds","confidence_score":0.88469976}]},{"text":"tracking for retirement, but then you leave a minimum amount in the previous one. And most most of the most of the time, we do that for, like, government employees, like, doctors where you've got into what's called an EBA, an enterprise bargaining arrangement, where you aren't allowed to pay sup where the employer isn't paying supers or anywhere else other than that one specific fund. But Yeah.","start_word":1137,"end_word":1204,"intents":[{"intent":"Track retirement","confidence_score":0.5517247}]},{"text":"I have submitted my documentation, like, to the department to get the super changed over.","start_word":1303,"end_word":1317,"intents":[{"intent":"Change documents","confidence_score":0.40411326}]},{"text":"So if That's that went through, do you want me to send you an email and say that it like, it's all been alright.","start_word":1345,"end_word":1368,"intents":[{"intent":"Send email","confidence_score":0.031398714}]},{"text":"We we could check on our site, oh, but you look, can it check won't that hurt. now?","start_word":1370,"end_word":1387,"intents":[{"intent":"Check site","confidence_score":0.6552297}]},{"text":"We we could check on our site, oh, but you look, can it check won't that hurt. now? Yep.","start_word":1370,"end_word":1388,"intents":[{"intent":"Check payslip status","confidence_score":0.033891402}]},{"text":"If you just let us know, if you can see it on your end, you know, it's just that we both if we both carry on checking, you'll be amazed by how many times these the payslip status change. But just admin, you know, the payroll kind of sector, they just they just pay to the same super funds or what, and just someone just doesn't change it. So Yeah.","start_word":1404,"end_word":1473,"intents":[{"intent":"Confirm assets","confidence_score":0.0011213697},{"intent":"Describe payment arrangement","confidence_score":0.0000054422085}]},{"text":"The worst thing that can happen is move all super funds over and cancel your existing insurances so that you're unsure. That's what, by far, the worst thing that can happen. Right?","start_word":1508,"end_word":1539,"intents":[{"intent":"Discuss superfund closing and moving funds","confidence_score":0.0004089826}]},{"text":"But the second worst thing is more actually, not more of them, but sometimes the we will close on the existing Superfund, move your funds over to whichever funds recommended for a client, and then the employer, even after receiving that Superdrugs contribution form that you filled out and submitted, they will receive it.","start_word":1552,"end_word":1605,"intents":[{"intent":"Discuss moving funds","confidence_score":0.0067763887}]},{"text":"we've No. dealt with it before, so we'll deal with it again, I'm sure.","start_word":1687,"end_word":1700,"intents":[{"intent":"Discuss handling of superdrugs","confidence_score":0.00008490606}]},{"text":"it So if I just send an email, do I just send it directly for to you or just to, like, a long time. Either Madison or or info.","start_word":1724,"end_word":1752,"intents":[{"intent":"Send email","confidence_score":0.43773723}]},{"text":"So we're gonna submit that take over terms application. Once Yep.","start_word":1878,"end_word":1888,"intents":[{"intent":"Update application","confidence_score":0.0014890385}]},{"text":"we go through that, when we you know, you just let us know when you receive the when you've received that pay or we'll find it first.","start_word":1889,"end_word":1915,"intents":[{"intent":"Check pay status","confidence_score":0.0036545736}]},{"text":"How's everything been so far? Nice and easy? Yeah.","start_word":1970,"end_word":1978,"intents":[{"intent":"Confirm completion","confidence_score":0.026323691}]},{"text":"How's everything been so far? Nice and easy? Yeah. It seems to have Or been. Yeah. Yeah. Seems so. So Yeah. everything's Nice. going well. Beautiful. It's yeah. There's a lot of movements and I just wanna make sure that you're comfortable and know what's going on. Yes.","start_word":1970,"end_word":2017,"intents":[{"intent":"Resolve issues","confidence_score":0.00016347396}]}]},"sentiments":{"segments":[{"text":"Hello. Emma speaking. Emma, Chevy Todd giving you a call from IP Financial. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.06252389401197433},{"text":"Good. Thank you.","start_word":16,"end_word":18,"sentiment":"positive","sentiment_score":0.5119521021842957},{"text":"How are you?","start_word":19,"end_word":21,"sentiment":"neutral","sentiment_score":0.2955629527568817},{"text":"I am very well. Thank you for asking.","start_word":22,"end_word":29,"sentiment":"positive","sentiment_score":0.4566459655761719},{"text":"I apologize for being three minutes late. I had skid kid's school drop off. So traffic is just getting Oh, no. worse and worse by the second. It It's crazy. moved me. Yeah. But that's totally fine. Yeah. And you probably understand I'm I'm in Mary Mac. So you're just around the corner. But, Yeah. Exactly. It's insane. Yeah. It's crazy. So it's like, it's just I don't know where all the humans just came from.","start_word":30,"end_word":105,"sentiment":"neutral","sentiment_score":-0.1715647131204605},{"text":"It's it's unbelievable.","start_word":106,"end_word":108,"sentiment":"negative","sentiment_score":-0.40281715989112854},{"text":"I don't know how they're asking them. Anyway, I'm just giving you a quick call regarding your six transfer terms eligibility questionnaire. So do Yep. you have time now? Yes. Or beautiful. Are you currently off work or unable to perform the full and normal duties of the occupation on a full time basis or at least for thirty hours per week at the moment? No. No. I Yeah. That's yeah. Is that the answer I fine. want? That's the So that knows the answer you it's want, but but just answer them honestly as honest yeah. as you can. Alright? So sorry. I just so am am I able to work? Was that it? The Yeah. So are you you currently can off work, which in March, office because work. we've been we Yep. spoke before? Yep. So are you currently off work or unable to perform the full and normal duties of the occupation? Answer is no. Alright? No. Yes. It was just Beautiful. that I got caught up with the whole, like, being part time and maternity leave, but that's not what the question is asking. Yeah. No. Yeah. Correct. So answer Yeah. the exact question, please. Yeah. I'll be that'll be very beneficial for all of us. Yeah. It's honestly I just my and brain truthfully is not switched on. no. That's alright. Did you want me to call back after you've had a coffee? Or No. No. No. That's that's totally fine. I was yeah. Just yes. That that that is okay. truthful, and that's the answer we want.","start_word":109,"end_word":372,"sentiment":"neutral","sentiment_score":-0.010336506709625775},{"text":"Beautiful.","start_word":373,"end_word":373,"sentiment":"positive","sentiment_score":0.36503052711486816},{"text":"So so question two, have you in the last twelve months been absent from work or unable to Yep. fully perform your duties of your usual occupation, whether employed or unemployed, or your unpaid domestic duties if you are unemployed or sole occupation director due to illness or injury. So you weren't working because of maternity leave, but it wasn't because of injury or illness. Right? Yes. That is true. Perfect. So have you been diagnosed or do you suffer from an illness that may cause permanent inability to work or because of a terminal illness? No. Beautiful. Have you ever had an insurance application for death only, death and total permanent disability, or terminal illness, or income protection cover ever be refused? The answer is no because we withdraw your previous app. Right? So you've never had a decline. Beautiful. Have you ever been paid or eligible to be paid? You're currently in the process of submitting a claim for any sort of insurance or workers' comp. Beautiful. Last question. Have you ever had an insurance application for death, death, and total permanent disability, terminal illness, or income protection cover? Have it been modified or opted on nonstandard terms in regards to medical or other conditions? The answer is no because we haven't submitted that first application. Okay. Yeah. Okay. That's it. Yep. Cool. So does this so this just gives a little bit more evidence to to our application. Is that that's the No. No. So so let me just reiterate why I know you're kind of in a in a in a rush before. yeah. So let's just go through it again. So when we went through the insurance application, we Mhmm. we submitted that with the insurer that we recommended, but that goes to what's called an underwriter. The underwriter for a comprehensive insurance cover, they assess your risk and work Yep. with the actuaries to work out what that monetary value of that risk is. K? That's how you get the insurance premium. Now with your situation, because of the personal depression and the the exclusions and the loadings, when Mhmm. you get a number that does build up depending on your health and age and stage in life. Right? So Yep. because of the the concerns with the bilateral knee excursion, things like that, that's as well as the mental health excursion because of your postnatal depression, which was within the last year and a half probably. Right? Mhmm. That means that there's a Yep. mental health exclusion, but there's also two knee exclusions. Right? So that's three exclusions in total.","start_word":374,"end_word":810,"sentiment":"neutral","sentiment_score":-0.08161456801116602},{"text":"If there's three exclusions in total, then it's more than likely too much risk for an insurer to provide you insurance, which is called a decline.","start_word":811,"end_word":836,"sentiment":"negative","sentiment_score":-0.5267696380615234},{"text":"Okay?","start_word":837,"end_word":837,"sentiment":"neutral","sentiment_score":-0.31995511054992676},{"text":"Now we don't want that to happen, and we wanna withdraw the application before you actually get that formal letter.","start_word":838,"end_word":857,"sentiment":"negative","sentiment_score":-0.4705799818038941},{"text":"Okay?","start_word":858,"end_word":858,"sentiment":"neutral","sentiment_score":-0.21577611565589905},{"text":"Because that's just inquiring. That's not actually going through with the process.","start_word":859,"end_word":870,"sentiment":"negative","sentiment_score":-0.42735186219215393},{"text":"Alright? Yep. So what we need to do now is we don't want the decline.","start_word":871,"end_word":885,"sentiment":"neutral","sentiment_score":-0.271740198135376},{"text":"We won't be able to get covered as adequate for you and your family.","start_word":886,"end_word":899,"sentiment":"negative","sentiment_score":-0.38397273421287537},{"text":"So what's the what can we do about? Well, how do we get your super consolidated into one place to get it working harder for you, but at the same time, make sure that you got insurance covered. If not enough, at least some. Yes. Right? And that means that we can do what's called takeover terms, which is Hub 24. So Hub 24, the product that we're recommending, actually does what's called takeover terms, where you answer these six questions and we can they can literally take over the terms of the policy that you hold in group cover, which is currently with your current super fund. Yep. And then Okay. what we can do is just literally move them over, and they're gonna be owned under the platform of Upstream for instead of the existing super fund. Okay. Yeah. Under the condition that you answer now to all six questions, which you have? Yeah. Cool. So does that mean then down the track, we then look again at doing the insurance? Yeah. Correct. Correct. So just right now, I wanna consolidate your funds to, you know, snowball effect compounding returns a beautiful thing. I want don't want two super funds, portion portions in each. I would Yep. like to have the it's called a retention strategy where you have the majority of your funds in one place that's working hard and getting better return, Yep. tracking for retirement, but then you leave a minimum amount in the previous one. And most most of the most of the time, we do that for, like, government employees, like, doctors where you've got into what's called an EBA, an enterprise bargaining arrangement, where you aren't allowed to pay sup where the employer isn't paying supers or anywhere else other than that one specific fund. But Yeah. that, usually, that fund doesn't perform that well because of government. Right? Yeah. So that's why we do a retention strategy. But in Yep. all cases, a beneficial outcome is not to do. And that's what I'm trying to do. I'm trying to see the best outcome because they may look after your best interest. Yes. Okay? Cool. Does that make sense? Does that answer Yep. your Keep question? that. Or Yes.","start_word":900,"end_word":1276,"sentiment":"neutral","sentiment_score":0.050478635523814104},{"text":"Beautiful.","start_word":1277,"end_word":1277,"sentiment":"positive","sentiment_score":0.37664055824279785},{"text":"Cool. Yep.","start_word":1278,"end_word":1279,"sentiment":"neutral","sentiment_score":0.2920244634151459},{"text":"That's Amazing. good. Amazing.","start_word":1280,"end_word":1283,"sentiment":"positive","sentiment_score":0.5333063006401062},{"text":"Well, look, And then I also sorry. Go on. sorry. Also, just slightly different but still on super. Yep. I have submitted my documentation, like, to the department to get the super changed over. Yep. And it does say on my payslip that it has been changed right apart, but it hasn't hit the the hub twenty four bank account yet. So if That's that went through, do you want me to send you an email and say that it like, it's all been alright. We we could check on our site, oh, but you look, can it check won't that hurt. now? Yep. Yeah. Correct. So but but it won't hurt at all.","start_word":1284,"end_word":1397,"sentiment":"neutral","sentiment_score":0.03212808130238524},{"text":"I mean, Cool.","start_word":1398,"end_word":1400,"sentiment":"positive","sentiment_score":0.36012691259384155},{"text":"if you yeah. If you just let us know, if you can see it on your end, you know, it's just that we both if we both carry on checking, you'll be amazed by how many times these the payslip status change. But just admin, you know, the payroll kind of sector, they just they just pay to the same super funds or what, and just someone just doesn't change it. So Yeah. that's I guess. I mean, that's why I like yes. to, like, make sure Yeah. it's all Correct. good.","start_word":1401,"end_word":1492,"sentiment":"neutral","sentiment_score":0.10391314327716827},{"text":"And then the worst part is that's one of the worst things that can happen. The worst thing that can happen is move all super funds over and cancel your existing insurances so that you're unsure. That's what, by far, the worst thing that can happen.","start_word":1493,"end_word":1538,"sentiment":"negative","sentiment_score":-0.5241605639457703},{"text":"Right? Murphy's Yeah. law, something Exactly. will happen to you, you're not sure. But the second worst thing is more actually, not more of them, but sometimes the we will close on the existing Superfund, move your funds over to whichever funds recommended for a client, and then the employer, even after receiving that Superdrugs contribution form that you filled out and submitted, they will receive it. They'll say it they'll send you a pay slip that you're paying it, but if they just transfer it because of administration errors, whatever it might be, they just transfer it straight into the old time.","start_word":1539,"end_word":1641,"sentiment":"neutral","sentiment_score":-0.21855132281780243},{"text":"And what happens is they don't reject that money because you don't have an account. They set up a whole new account with the all and they charge all the fees again, and it's it's yeah. It's not not the best outcome.","start_word":1642,"end_word":1683,"sentiment":"negative","sentiment_score":-0.3980255722999573},{"text":"But, look, Yes. we've No. dealt with it before, so we'll deal with it again, I'm sure. But, yeah, look, we've we've been pretty pretty we're pretty diligent when it comes to this stuff. We've been Yep.","start_word":1684,"end_word":1720,"sentiment":"neutral","sentiment_score":-0.04478166997432709},{"text":"doing Cool. Brilliant.","start_word":1721,"end_word":1723,"sentiment":"positive","sentiment_score":0.5840702056884766},{"text":"it So if I just send an email, do I just send it directly for to you or just to, like, a long time. Either Madison or or info. Yeah. Maddie, myself, info is a good one. Info, like, INFO yep. Oh, yes. as of three Financial. But look, Yep. just just if you just send it straight to me, I'll make Mhmm. sure that it gets done. Yep.","start_word":1724,"end_word":1792,"sentiment":"neutral","sentiment_score":0.06433392316102982},{"text":"Brilliant.","start_word":1793,"end_word":1793,"sentiment":"positive","sentiment_score":0.4129376411437988},{"text":"Cool. Yeah. Yeah. Like I said, I'll keep an eye on it and then yeah. Go by checking. So Yep. Yeah. Yep. Join forces. We'll make it happen. Sorry. I'm just trying. I'm a boy. I can only do one thing at a time. It's a benefit and a curse sometimes, but submitted super choice nomination form and change on a work already. Just waiting to receive under the top of payroll. Super contribution. How to buy.","start_word":1794,"end_word":1870,"sentiment":"neutral","sentiment_score":0.05207947641611099},{"text":"Beautiful.","start_word":1871,"end_word":1871,"sentiment":"positive","sentiment_score":0.3566662073135376},{"text":"Yeah. Look. That's pretty much everything. So we're gonna submit that take over terms application. Once Yep. we go through that, when we you know, you just let us know when you receive the when you've received that pay or we'll find it first. Either or I'll erase you to emails and try the best. Okay? Yep. And once the take a chance to get approved and move down, but what we'll do is just we will keep you updated. We'll let you know pretty much when the strategy is completed. Yep.","start_word":1872,"end_word":1963,"sentiment":"neutral","sentiment_score":0.07130603492259979},{"text":"Brilliant. Thank you for that. Perfect.","start_word":1964,"end_word":1969,"sentiment":"positive","sentiment_score":0.5732854008674622},{"text":"How's everything been so far?","start_word":1970,"end_word":1974,"sentiment":"neutral","sentiment_score":0.26886850595474243},{"text":"Nice and easy?","start_word":1975,"end_word":1977,"sentiment":"positive","sentiment_score":0.36745455861091614},{"text":"Yeah. It seems to have Or been. Yeah. Yeah. Seems so. So Yeah.","start_word":1978,"end_word":1990,"sentiment":"neutral","sentiment_score":0.08542409539222717},{"text":"everything's Nice. going well. Beautiful.","start_word":1991,"end_word":1995,"sentiment":"positive","sentiment_score":0.4383649528026581},{"text":"It's yeah. There's a lot of movements and I just wanna make sure that you're comfortable and know what's going on. Yes.","start_word":1996,"end_word":2017,"sentiment":"neutral","sentiment_score":0.26381629705429077},{"text":"Beautiful. Alright, Paul. Cameron, you enjoy the rest of your day.","start_word":2018,"end_word":2028,"sentiment":"positive","sentiment_score":0.5678956562822516},{"text":"Alright? I'll speak to you soon. Yep.","start_word":2029,"end_word":2035,"sentiment":"neutral","sentiment_score":0.25371646881103516},{"text":"Will do. Same to you. Thank you so much. See you.","start_word":2036,"end_word":2046,"sentiment":"positive","sentiment_score":0.6068972945213318},{"text":"Bye.","start_word":2047,"end_word":2047,"sentiment":"neutral","sentiment_score":0.31881630420684814},{"text":"Thanks.","start_word":2048,"end_word":2048,"sentiment":"positive","sentiment_score":0.5862356424331665},{"text":"Bye.","start_word":2049,"end_word":2049,"sentiment":"neutral","sentiment_score":0.30529239773750305}],"average":{"sentiment":"neutral","sentiment_score":-0.026172382220286044}}}}