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I tried to give you a call last Friday, and I was just like, I'm just gonna move it to my calendar, and then I'll try again. We're here. Oh, good. Just rocking a a solid head cold for the day, but that's alright. Oh, it's alright. Just, you know, all the all the fun things that come with it. Nothing too nothing too crazy. Nothing you can't work work through. Pretty much. Yeah. Just, you know, just rocking the gorgeous husky voice, really. Let you know our calls are recorded. And if I could just get you to confirm security, it's full name, date of birth, address. Amazing. Perfect. No. No. That's amazing. Okay. So there's a a few things I wanted to go through today, and I guess, first and foremost, I did wanna jump in and be open and honest. So when I was going through your file getting it all ready to do your annual review, I obviously started with, like, the advice that was handed to you previously and where everything fit. I noticed on file that you signed a what's called a transaction without advice in the September of last year, which resulted in, as per your request, the sell down of all your assets until the June 30, which is when we would have bought back into the market. Now I noticed that due to an administration error in March, we actually bought all of your assets back in because we did an underlying change to the asset pool that you had previously been invested in, and it resulted in a sweep through. Yeah. So the I mean, document stated until the June 30 unless notified prior is what the document stated. In March, the assets bought in, and you're invested in the market. And before I triggered a sell down, did anything Actually, you made money because you bought it at the lowest point like, pretty much, like, the lowest point in the market. I was looking at it yeah. I was looking at it, though, and I was like, honestly, this couldn't have played out any better for her, but it was pure dumb luck. But I Yeah. Yeah. No. I mean, that's not what I was saying. But I guess it it's it's a question as to where you wanna go moving forward. Like, I'm gonna do calculations anyway in the back end. Like, the calculations I did were indicative based on, like, of the fact that we bought in in March versus had we bought in in June or anytime prior to, after that, whatever. So, like, even if you were in cash now. And everything indicates absolutely. Oh, come on. Why is everything logging me out every five seconds? One una momento. I did just have everything open. When I was looking at everything, you honestly looked like you were sitting pretty on par with, like, national average. So it's just, I guess, dependent on what you're wanting to achieve overall as to whether that's going to be enough to get to where you want to be and or, I guess, you know, what your what your ultimate goal is. So what whatever your goal may be for retirement, that would give me the indication as to whether we're we're sitting on par. Because right now, you're sitting at, like, a 149,000 within the fund. Nicole. Hello? Nicole? Let me give you a callback, and, hopefully, I can catch you. Everything seems okay on my side. 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Nicole. Larissa from ArcGree Financial. How are you going? No. No.\n\nYou're okay. I got caught in another meeting for the last too too long. Yeah. I tried to give you a call last Friday, and I was just like, I'm just gonna move it to my calendar, and then I'll try again. We're here.\n\nOh, good. Just rocking a a solid head cold for the day, but that's alright. Oh, it's alright. Just, you know, all the all the fun things that come with it. Nothing too nothing too crazy.\n\nNothing you can't work work through. Pretty much. Yeah. Just, you know, just rocking the gorgeous husky voice, really. Let you know our calls are recorded.\n\nAnd if I could just get you to confirm security, it's full name, date of birth, address. Amazing. Perfect. No. No.\n\nThat's amazing. Okay. So there's a a few things I wanted to go through today, and I guess, first and foremost, I did wanna jump in and be open and honest. So when I was going through your file getting it all ready to do your annual review, I obviously started with, like, the advice that was handed to you previously and where everything fit. I noticed on file that you signed a what's called a transaction without advice in the September of last year, which resulted in, as per your request, the sell down of all your assets until the June 30, which is when we would have bought back into the market.\n\nNow I noticed that due to an administration error in March, we actually bought all of your assets back in because we did an underlying change to the asset pool that you had previously been invested in, and it resulted in a sweep through. Yeah. So the I mean, document stated until the June 30 unless notified prior is what the document stated. In March, the assets bought in, and you're invested in the market. And before I triggered a sell down, did anything Actually, you made money because you bought it at the lowest point like, pretty much, like, the lowest point in the market.\n\nI was looking at it yeah. I was looking at it, though, and I was like, honestly, this couldn't have played out any better for her, but it was pure dumb luck. But I Yeah. Yeah. No.\n\nI mean, that's not what I was saying. But I guess it it's it's a question as to where you wanna go moving forward. Like, I'm gonna do calculations anyway in the back end. Like, the calculations I did were indicative based on, like, of the fact that we bought in in March versus had we bought in in June or anytime prior to, after that, whatever. So, like, even if you were in cash now.\n\nAnd everything indicates absolutely. Oh, come on. Why is everything logging me out every five seconds? One una momento. I did just have everything open.\n\nWhen I was looking at everything, you honestly looked like you were sitting pretty on par with, like, national average. So it's just, I guess, dependent on what you're wanting to achieve overall as to whether that's going to be enough to get to where you want to be and or, I guess, you know, what your what your ultimate goal is. So what whatever your goal may be for retirement, that would give me the indication as to whether we're we're sitting on par. Because right now, you're sitting at, like, a 149,000 within the fund. Nicole.\n\nHello? Nicole? Let me give you a callback, and, hopefully, I can catch you. Everything seems okay on my side. Let me give you a callback.","paragraphs":[{"sentences":[{"text":"Hi, Nicole.","start":2.8,"end":3.62,"sentiment":"neutral","sentiment_score":0.1393412947654724},{"text":"Larissa from ArcGree Financial.","start":3.6799998,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.16834797710180283},{"text":"How are you going?","start":5.3599997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.23281437158584595},{"text":"No.","start":15.6449995,"end":16.145,"sentiment":"neutral","sentiment_score":-0.13958463072776794},{"text":"No.","start":16.205,"end":16.445,"sentiment":"neutral","sentiment_score":-0.11901654303073884}],"sentiment":"neutral","sentiment_score":0.13539423421025276,"num_words":12,"start":2.8,"end":16.445},{"sentences":[{"text":"You're okay.","start":16.445,"end":17.085,"sentiment":"neutral","sentiment_score":-0.07214483618736267},{"text":"I got caught in another meeting for the last too too long.","start":17.085,"end":21.265,"sentiment":"neutral","sentiment_score":-0.05229306174442172},{"text":"Yeah.","start":22.125,"end":22.445,"sentiment":"neutral","sentiment_score":-0.02101665548980236},{"text":"I tried to give you a call last Friday, and I was just like, I'm just gonna move it to my calendar, and then I'll try again.","start":22.445,"end":28.544998,"sentiment":"neutral","sentiment_score":-0.06524061963514045},{"text":"We're here.","start":44.175003,"end":44.915,"sentiment":"neutral","sentiment_score":0.06883036904036999}],"sentiment":"neutral","sentiment_score":-0.05492406956512819,"num_words":44,"start":16.445,"end":44.915},{"sentences":[{"text":"Oh, good.","start":45.535,"end":46.275,"sentiment":"neutral","sentiment_score":0.09395932033658028},{"text":"Just rocking a a solid head cold for the day, but that's alright.","start":46.415,"end":50.035,"sentiment":"neutral","sentiment_score":-0.06596116922222652},{"text":"Oh, it's alright.","start":51.935,"end":52.995003,"sentiment":"neutral","sentiment_score":-0.09226682657996814},{"text":"Just, you know, all the all the fun things that come with it.","start":53.055,"end":56.49,"sentiment":"neutral","sentiment_score":0.007694952763043917},{"text":"Nothing too nothing too crazy.","start":56.730003,"end":58.83,"sentiment":"neutral","sentiment_score":-0.10547747611999511}],"sentiment":"neutral","sentiment_score":-0.03815916760100259,"num_words":36,"start":45.535,"end":58.83},{"sentences":[{"text":"Nothing you can't work work through.","start":59.13,"end":61.230003,"sentiment":"neutral","sentiment_score":-0.19888738046089807},{"text":"Pretty much.","start":63.210003,"end":64.03,"sentiment":"neutral","sentiment_score":0.016360849142074585},{"text":"Yeah.","start":65.37,"end":65.87,"sentiment":"neutral","sentiment_score":0.14401763677597046},{"text":"Just, you know, just rocking the gorgeous husky voice, really.","start":66.89,"end":70.03,"sentiment":"neutral","sentiment_score":0.27348535805940627},{"text":"Let you know our calls are recorded.","start":76.675,"end":78.135,"sentiment":"neutral","sentiment_score":0.11913665171180453}],"sentiment":"neutral","sentiment_score":0.09816250749505483,"num_words":26,"start":59.13,"end":78.135},{"sentences":[{"text":"And if I could just get you to confirm security, it's full name, date of birth, address.","start":78.275,"end":82.135,"sentiment":"neutral","sentiment_score":0.0866732343154795},{"text":"Amazing.","start":93.57,"end":94.07,"sentiment":"neutral","sentiment_score":0.1270696222782135},{"text":"Perfect.","start":96.85,"end":97.35,"sentiment":"neutral","sentiment_score":0.26552554965019226},{"text":"No.","start":99.785,"end":100.025,"sentiment":"neutral","sentiment_score":-0.062267471104860306},{"text":"No.","start":100.025,"end":100.265,"sentiment":"neutral","sentiment_score":0.02596968412399292}],"sentiment":"neutral","sentiment_score":0.08713058896717571,"num_words":21,"start":78.275,"end":100.265},{"sentences":[{"text":"That's amazing.","start":100.265,"end":101.165,"sentiment":"neutral","sentiment_score":0.2220873311161995},{"text":"Okay.","start":101.945,"end":102.265,"sentiment":"neutral","sentiment_score":0.0837617963552475},{"text":"So there's a a few things I wanted to go through today, and I guess, first and foremost, I did wanna jump in and be open and honest.","start":102.265,"end":111.51,"sentiment":"neutral","sentiment_score":0.2444488922400134},{"text":"So when I was going through your file getting it all ready to do your annual review, I obviously started with, like, the advice that was handed to you previously and where everything fit.","start":111.75,"end":121.37,"sentiment":"neutral","sentiment_score":0.12442630485576742},{"text":"I noticed on file that you signed a what's called a transaction without advice in the September of last year, which resulted in, as per your request, the sell down of all your assets until the June 30, which is when we would have bought back into the market.","start":122.310005,"end":139.255,"sentiment":"neutral","sentiment_score":-0.07811854437601809}],"sentiment":"neutral","sentiment_score":0.06820343098227392,"num_words":114,"start":100.265,"end":139.255},{"sentences":[{"text":"Now I noticed that due to an administration error in March, we actually bought all of your assets back in because we did an underlying change to the asset pool that you had previously been invested in, and it resulted in a sweep through.","start":140.28001,"end":155.83499,"sentiment":"neutral","sentiment_score":-0.08286911122162234},{"text":"Yeah.","start":165.015,"end":165.415,"sentiment":"neutral","sentiment_score":-0.003082267940044403},{"text":"So the I mean, document stated until the June 30 unless notified prior is what the document stated.","start":165.415,"end":175.90001,"sentiment":"neutral","sentiment_score":-0.03740710847907596},{"text":"In March, the assets bought in, and you're invested in the market.","start":181.405,"end":186.545,"sentiment":"neutral","sentiment_score":0.013450289145112038},{"text":"And before I triggered a sell down, did anything Actually, you made money because you bought it at the lowest point like, pretty much, like, the lowest point in the market.","start":187.325,"end":196.02,"sentiment":"neutral","sentiment_score":-0.17454319797276008}],"sentiment":"neutral","sentiment_score":-0.09030270548800956,"num_words":106,"start":140.28001,"end":196.02},{"sentences":[{"text":"I was looking at it yeah.","start":196.98001,"end":198.74,"sentiment":"neutral","sentiment_score":-0.04822454104820887},{"text":"I was looking at it, though, and I was like, honestly, this couldn't have played out any better for her, but it was pure dumb luck.","start":198.74,"end":205.88,"sentiment":"negative","sentiment_score":-0.5619581593916967},{"text":"But I Yeah.","start":208.34,"end":210.55501,"sentiment":"neutral","sentiment_score":-0.07434328397115071},{"text":"Yeah.","start":226.38,"end":226.88,"sentiment":"neutral","sentiment_score":-0.1912277340888977},{"text":"No.","start":232.38,"end":232.86,"sentiment":"neutral","sentiment_score":-0.20240554213523865}],"sentiment":"negative","sentiment_score":-0.41937628428678253,"num_words":37,"start":196.98001,"end":232.86},{"sentences":[{"text":"I mean, that's not what I was saying.","start":232.86,"end":235.28,"sentiment":"neutral","sentiment_score":-0.17121908627450466},{"text":"But I guess it it's it's a question as to where you wanna go moving forward.","start":235.66,"end":239.26001,"sentiment":"neutral","sentiment_score":0.1736966730095446},{"text":"Like, I'm gonna do calculations anyway in the back end.","start":239.26001,"end":242.495,"sentiment":"neutral","sentiment_score":0.1082846112549305},{"text":"Like, the calculations I did were indicative based on, like, of the fact that we bought in in March versus had we bought in in June or anytime prior to, after that, whatever.","start":242.875,"end":253.855,"sentiment":"neutral","sentiment_score":0.054355155168609184},{"text":"So, like, even if you were in cash now.","start":254.40001,"end":256.18,"sentiment":"neutral","sentiment_score":-0.004290790607531865}],"sentiment":"neutral","sentiment_score":0.0558860946789776,"num_words":76,"start":232.86,"end":256.18},{"sentences":[{"text":"And everything indicates absolutely.","start":257.76,"end":261.62,"sentiment":"neutral","sentiment_score":0.019231900572776794},{"text":"Oh, come on.","start":262.8,"end":264.1,"sentiment":"neutral","sentiment_score":-0.02481737919151783},{"text":"Why is everything logging me out every five seconds?","start":264.48,"end":267.14,"sentiment":"neutral","sentiment_score":-0.138707278503312},{"text":"One una momento.","start":269.44,"end":271.175,"sentiment":"neutral","sentiment_score":-0.05315300325552622},{"text":"I did just have everything open.","start":272.51498,"end":274.215,"sentiment":"neutral","sentiment_score":0.027862068886558216}],"sentiment":"neutral","sentiment_score":-0.04952706553041935,"num_words":25,"start":257.76,"end":274.215},{"sentences":[{"text":"When I was looking at everything, you honestly looked like you were sitting pretty on par with, like, national average.","start":279.875,"end":287.91,"sentiment":"neutral","sentiment_score":0.1321245811879635},{"text":"So it's just, I guess, dependent on what you're wanting to achieve overall as to whether that's going to be enough to get to where you want to be and or, I guess, you know, what your what your ultimate goal is.","start":288.37,"end":307.42502,"sentiment":"neutral","sentiment_score":0.21437418035098485},{"text":"So what whatever your goal may be for retirement, that would give me the indication as to whether we're we're sitting on 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side.","start":357.185,"end":359.025,"sentiment":"positive","sentiment_score":0.3450816944241524},{"text":"Let me give you a callback.","start":359.025,"end":360.245,"sentiment":"neutral","sentiment_score":0.14137992883721986}],"sentiment":"neutral","sentiment_score":0.13317114157745472,"num_words":26,"start":330.80502,"end":360.245}]}}]},{"alternatives":[{"transcript":"Hello. Nikki speaking. Hi. I'm well. Thank you. I was I had my phone on me because I thought it was twelve, and I've been waiting thinking now I've scuffed it up again. No problems. All good. Yeah. That's so weird because I didn't even ring, and then I got your message saying that you're moving it. So random. Anyway, that's okay. That's why I was kinda had my phone on me this time going, ring, and then I thought maybe it's doing it again. But that's okay. No problems. We're here now. How are you? Oh, no. You poor thing. That's awful. Yeah. As long as sometimes you can sound worse than you feel. So hopefully yeah. That's nice. Oh, very good. Oh, that sounds cute. Sure. Nicole Fraser. The 02/01/1976, and it is 8 Henderson Street East Ballina, New South Wales 2487. Yeah. I always forget that bit. Yes. Oh, so I thought that I was in all cash until further notice. I didn't realize it was moving back in June even. Oh, okay. That's not how I remember the conversation, but that's okay. So where am I at now? What's happening? Right. Have I lost money? Well, that's good. Oh, well, that's good. Yeah. Right. Someone's looking out for me because I I wanted it in cash because I've been, like, in conversations where people are saying, like, it's looking really bad and things are gonna crash and blah blah blah. So I thought, I don't need that. Everything else in my life has crashed. I don't need to lose my money in my super. Where am I sitting now? Because I feel like I'm below where I should be for my age. Yeah. I think last time I checked, it was $1.45. So so how much did I make in the like, how much yeah. Hello? Are you there? I'm here. Hello? I'm still here. Yes. I'm here. Hello? Can you hear me? Hello? Hello? Hello? Hello? I can hear you. Can you can you hear me? 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Nikki speaking. Hi. I'm well. Thank you.\n\nI was I had my phone on me because I thought it was twelve, and I've been waiting thinking now I've scuffed it up again. No problems. All good. Yeah. That's so weird because I didn't even ring, and then I got your message saying that you're moving it.\n\nSo random. Anyway, that's okay. That's why I was kinda had my phone on me this time going, ring, and then I thought maybe it's doing it again. But that's okay. No problems.\n\nWe're here now. How are you? Oh, no. You poor thing. That's awful.\n\nYeah. As long as sometimes you can sound worse than you feel. So hopefully yeah. That's nice. Oh, very good.\n\nOh, that sounds cute. Sure. Nicole Fraser. The 02/01/1976, and it is 8 Henderson Street East Ballina, New South Wales 2487. Yeah.\n\nI always forget that bit. Yes. Oh, so I thought that I was in all cash until further notice. I didn't realize it was moving back in June even. Oh, okay.\n\nThat's not how I remember the conversation, but that's okay. So where am I at now? What's happening? Right. Have I lost money?\n\nWell, that's good. Oh, well, that's good. Yeah. Right. Someone's looking out for me because I I wanted it in cash because I've been, like, in conversations where people are saying, like, it's looking really bad and things are gonna crash and blah blah blah.\n\nSo I thought, I don't need that. Everything else in my life has crashed. I don't need to lose my money in my super. Where am I sitting now? Because I feel like I'm below where I should be for my age.\n\nYeah. I think last time I checked, it was $1.45. So so how much did I make in the like, how much yeah. Hello? Are you there?\n\nI'm here. Hello? I'm still here. Yes. I'm here.\n\nHello? Can you hear me? Hello? Hello? Hello?\n\nHello? I can hear you. Can you can you hear me? Okay.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.71999997,"sentiment":"neutral","sentiment_score":0.034449804574251175},{"text":"Nikki speaking.","start":0.71999997,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.03037223592400551},{"text":"Hi.","start":6.56,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.21122097969055176},{"text":"I'm well.","start":6.8799996,"end":7.52,"sentiment":"neutral","sentiment_score":0.3268689513206482},{"text":"Thank you.","start":7.52,"end":8.26,"sentiment":"positive","sentiment_score":0.5349643230438232}],"sentiment":"neutral","sentiment_score":0.2537602256052196,"num_words":8,"start":0.39999998,"end":8.26},{"sentences":[{"text":"I was I had my phone on me because I thought it was twelve, and I've been waiting thinking now I've scuffed it up again.","start":8.48,"end":14.9,"sentiment":"neutral","sentiment_score":-0.11544062316417694},{"text":"No problems.","start":19.045,"end":19.865,"sentiment":"neutral","sentiment_score":-0.004675050266087055},{"text":"All good.","start":20.005001,"end":20.745,"sentiment":"neutral","sentiment_score":0.013381676748394966},{"text":"Yeah.","start":26.805,"end":27.285,"sentiment":"neutral","sentiment_score":-0.06250623613595963},{"text":"That's so weird because I didn't even ring, and then I got your message saying that you're moving it.","start":27.285,"end":32.86,"sentiment":"neutral","sentiment_score":-0.12701583614474848}],"sentiment":"neutral","sentiment_score":-0.10906958059236711,"num_words":49,"start":8.48,"end":32.86},{"sentences":[{"text":"So random.","start":32.86,"end":34.4,"sentiment":"neutral","sentiment_score":-0.10072936117649078},{"text":"Anyway, that's okay.","start":34.940002,"end":36.32,"sentiment":"neutral","sentiment_score":0.00312819704413414},{"text":"That's why I was kinda had my phone on me this time going, ring, and then I thought maybe it's doing it again.","start":37.02,"end":41.58,"sentiment":"neutral","sentiment_score":-0.08313556906321774},{"text":"But that's okay.","start":41.58,"end":42.3,"sentiment":"neutral","sentiment_score":0.009047285139483089},{"text":"No problems.","start":42.3,"end":42.940002,"sentiment":"neutral","sentiment_score":0.10458282008767128}],"sentiment":"neutral","sentiment_score":-0.05660256739638774,"num_words":33,"start":32.86,"end":42.940002},{"sentences":[{"text":"We're here now.","start":42.940002,"end":43.84,"sentiment":"neutral","sentiment_score":0.13573884467283884},{"text":"How are you?","start":43.985,"end":44.885,"sentiment":"neutral","sentiment_score":0.09464334199825923},{"text":"Oh, no.","start":49.824997,"end":50.465,"sentiment":"neutral","sentiment_score":-0.24375781416893005},{"text":"You poor thing.","start":50.465,"end":51.425,"sentiment":"negative","sentiment_score":-0.5438385804494222},{"text":"That's awful.","start":51.425,"end":52.324997,"sentiment":"negative","sentiment_score":-0.5756520926952362}],"sentiment":"neutral","sentiment_score":-0.19839915346640807,"num_words":13,"start":42.940002,"end":52.324997},{"sentences":[{"text":"Yeah.","start":56.785,"end":57.285,"sentiment":"neutral","sentiment_score":-0.07452258467674255},{"text":"As long as sometimes you can sound worse than you feel.","start":59.269997,"end":62.149998,"sentiment":"neutral","sentiment_score":-0.23394183814525604},{"text":"So hopefully yeah.","start":62.149998,"end":64.79,"sentiment":"neutral","sentiment_score":0.010845027243097624},{"text":"That's nice.","start":64.79,"end":65.61,"sentiment":"neutral","sentiment_score":0.221370667219162},{"text":"Oh, very good.","start":65.83,"end":66.729996,"sentiment":"neutral","sentiment_score":0.24152004718780518}],"sentiment":"neutral","sentiment_score":-0.07240231232717634,"num_words":20,"start":56.785,"end":66.729996},{"sentences":[{"text":"Oh, that sounds cute.","start":70.47,"end":71.689995,"sentiment":"positive","sentiment_score":0.400284118950367},{"text":"Sure.","start":83.145004,"end":83.645004,"sentiment":"neutral","sentiment_score":0.04508167505264282},{"text":"Nicole Fraser.","start":83.705,"end":84.765,"sentiment":"neutral","sentiment_score":0.03247675858438015},{"text":"The 02/01/1976, and it is 8 Henderson Street East Ballina, New South Wales 2487.","start":85.065,"end":95.189995,"sentiment":"neutral","sentiment_score":0.04311628692916462},{"text":"Yeah.","start":95.25,"end":95.75,"sentiment":"neutral","sentiment_score":0.1087460070848465}],"sentiment":"neutral","sentiment_score":0.11016116782345554,"num_words":22,"start":70.47,"end":95.75},{"sentences":[{"text":"I always forget that bit.","start":97.329994,"end":98.63,"sentiment":"neutral","sentiment_score":0.02741817831993103},{"text":"Yes.","start":130.46,"end":130.905,"sentiment":"neutral","sentiment_score":-0.01681368798017502},{"text":"Oh, so I thought that I was in all cash until further notice.","start":148.12999,"end":159.165,"sentiment":"neutral","sentiment_score":-0.11731124497376956},{"text":"I didn't realize it was moving back in June even.","start":159.64499,"end":163.905,"sentiment":"neutral","sentiment_score":-0.15011149272322655},{"text":"Oh, okay.","start":174.08,"end":174.48,"sentiment":"neutral","sentiment_score":-0.025776352733373642}],"sentiment":"neutral","sentiment_score":-0.09540118108833989,"num_words":31,"start":97.329994,"end":174.48},{"sentences":[{"text":"That's not how I remember the conversation, but that's okay.","start":174.48,"end":178.08,"sentiment":"neutral","sentiment_score":-0.05370924770832062},{"text":"So where am I at now?","start":178.08,"end":179.28,"sentiment":"neutral","sentiment_score":-0.03169045255829891},{"text":"What's happening?","start":179.28,"end":180.02,"sentiment":"neutral","sentiment_score":-0.0371487895026803},{"text":"Right.","start":184.24,"end":184.74,"sentiment":"neutral","sentiment_score":0.03955623134970665},{"text":"Have I lost money?","start":188.56,"end":189.78,"sentiment":"neutral","sentiment_score":-0.07726616319268942}],"sentiment":"neutral","sentiment_score":-0.046567008385191795,"num_words":23,"start":174.48,"end":189.78},{"sentences":[{"text":"Well, that's good.","start":192.985,"end":194.04501,"sentiment":"negative","sentiment_score":-0.3795536756515503},{"text":"Oh, well, that's good.","start":196.74501,"end":197.88501,"sentiment":"neutral","sentiment_score":0.13569741137325764},{"text":"Yeah.","start":206.68001,"end":207.0,"sentiment":"neutral","sentiment_score":-0.1380252242088318},{"text":"Right.","start":207.0,"end":207.5,"sentiment":"neutral","sentiment_score":-0.0952238142490387},{"text":"Someone's looking out for me because I I wanted it in cash because I've been, like, in conversations where people are saying, like, it's looking really bad and things are gonna crash and blah blah blah.","start":207.56,"end":223.255,"sentiment":"neutral","sentiment_score":-0.2036539672149552}],"sentiment":"neutral","sentiment_score":-0.1813480719923973,"num_words":45,"start":192.985,"end":223.255},{"sentences":[{"text":"So I thought, I don't need that.","start":223.255,"end":225.115,"sentiment":"negative","sentiment_score":-0.3582911491394043},{"text":"Everything else in my life has crashed.","start":226.05501,"end":227.815,"sentiment":"negative","sentiment_score":-0.40428510521139416},{"text":"I don't need to lose my money in my super.","start":227.815,"end":229.91501,"sentiment":"negative","sentiment_score":-0.46921417117118835},{"text":"Where am I sitting now?","start":258.005,"end":259.70502,"sentiment":"neutral","sentiment_score":0.010743509978055954},{"text":"Because I feel like I'm below where I should be for my 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me?","start":355.17,"end":357.39893,"sentiment":"neutral","sentiment_score":-0.001437372217575709},{"text":"Okay.","start":361.15894,"end":361.65894,"sentiment":"neutral","sentiment_score":-0.0998607873916626}],"sentiment":"neutral","sentiment_score":-0.006828263712426026,"num_words":12,"start":347.81,"end":361.65894}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Nikki speaking.\n\nChannel 0: Hi, Nicole. Larissa from ArcGree Financial. How are you going?\n\nChannel 1: Hi. I'm well. Thank you. I was I had my phone on me because I thought it was twelve, and I've been waiting thinking now I've scuffed it up again.\n\nChannel 0: No. No. You're okay. I got caught in another meeting for the last\n\nChannel 1: No problems. All good.\n\nChannel 0: too too long. Yeah. I tried to give you a call last Friday, and I was just like, I'm just gonna move it to my calendar,\n\nChannel 1: Yeah.\n\nChannel 0: and then\n\nChannel 1: That's\n\nChannel 0: I'll\n\nChannel 1: so\n\nChannel 0: try\n\nChannel 1: weird\n\nChannel 0: again.\n\nChannel 1: because I didn't even ring, and then I got your message saying that you're moving it. So random. Anyway, that's okay. That's why I was kinda had my phone on me this time going, ring, and then I thought maybe it's doing it again. But that's okay.\n\nNo problems. We're here now. How are\n\nChannel 0: We're\n\nChannel 1: you?\n\nChannel 0: here. Oh, good. Just rocking a a solid head cold for the day, but that's alright.\n\nChannel 1: Oh, no. You poor thing. That's awful.\n\nChannel 0: Oh, it's alright. Just, you know, all the all the fun things that come with it. Nothing\n\nChannel 1: Yeah.\n\nChannel 0: too nothing too crazy. Nothing\n\nChannel 1: As\n\nChannel 0: you\n\nChannel 1: long\n\nChannel 0: can't\n\nChannel 1: as\n\nChannel 0: work\n\nChannel 1: sometimes\n\nChannel 0: work\n\nChannel 1: you can sound\n\nChannel 0: through.\n\nChannel 1: worse than you feel. So hopefully\n\nChannel 0: Pretty much.\n\nChannel 1: yeah. That's nice.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, very good.\n\nChannel 0: Just, you know, just rocking the gorgeous husky voice, really.\n\nChannel 1: Oh, that sounds cute.\n\nChannel 0: Let you know our calls are recorded. And if I could just get you to confirm security, it's full name, date of birth, address.\n\nChannel 1: Sure. Nicole Fraser. The 02/01/1976, and it is 8 Henderson Street East Ballina, New\n\nChannel 0: Amazing.\n\nChannel 1: South Wales 2487. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: I always forget that bit.\n\nChannel 0: No. No. That's amazing. Okay. So there's a a few things I wanted to go through today, and I guess, first and foremost, I did wanna jump in and be open and honest.\n\nSo when I was going through your file getting it all ready to do your annual review, I obviously started with, like, the advice that was handed to you previously and where everything fit. I noticed on file that you signed a what's called a transaction without advice in the September of last year, which resulted\n\nChannel 1: Yes.\n\nChannel 0: in, as per your request, the sell down of all your assets until the June 30, which is when we would have bought back into the market. Now I noticed that due to an administration error in March, we actually bought all of your assets back in because we did an\n\nChannel 1: Oh,\n\nChannel 0: underlying change to the asset pool that you had previously been invested in,\n\nChannel 1: so I\n\nChannel 0: and\n\nChannel 1: thought\n\nChannel 0: it resulted\n\nChannel 1: that I\n\nChannel 0: in\n\nChannel 1: was\n\nChannel 0: a\n\nChannel 1: in\n\nChannel 0: sweep through.\n\nChannel 1: all cash until further notice. I didn't realize it was moving back in June even.\n\nChannel 0: Yeah. So the I mean, document stated until the June 30 unless notified prior\n\nChannel 1: Oh, okay.\n\nChannel 0: is what\n\nChannel 1: That's\n\nChannel 0: the document\n\nChannel 1: not\n\nChannel 0: stated.\n\nChannel 1: how I remember the conversation, but that's okay. So where am I at now? What's happening?\n\nChannel 0: In March, the assets bought in,\n\nChannel 1: Right.\n\nChannel 0: and you're invested in the market. And before I triggered\n\nChannel 1: Have\n\nChannel 0: a sell\n\nChannel 1: I lost\n\nChannel 0: down, did\n\nChannel 1: money?\n\nChannel 0: anything Actually, you made money because you bought it\n\nChannel 1: Well,\n\nChannel 0: at the\n\nChannel 1: that's\n\nChannel 0: lowest\n\nChannel 1: good.\n\nChannel 0: point like, pretty much, like, the lowest point in the market.\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: well,\n\nChannel 0: was\n\nChannel 1: that's\n\nChannel 0: looking\n\nChannel 1: good.\n\nChannel 0: at it yeah. I was looking at it, though, and I was like, honestly, this couldn't have played out any better for her, but it was pure dumb luck.\n\nChannel 1: Yeah. Right. Someone's looking out\n\nChannel 0: But\n\nChannel 1: for me\n\nChannel 0: I\n\nChannel 1: because I I wanted\n\nChannel 0: Yeah.\n\nChannel 1: it in cash because I've been, like, in conversations where people are saying, like, it's looking really bad and things are gonna crash and blah blah blah. So I thought, I don't need that. Everything\n\nChannel 0: Yeah.\n\nChannel 1: else in my life has crashed. I don't need to lose my money in my super.\n\nChannel 0: No. I mean, that's not what I was saying. But I guess it it's it's a question as to where you wanna go moving forward. Like, I'm gonna do calculations anyway in the back end. Like, the calculations I did were indicative based on, like, of the fact that we bought in in March versus had we bought in in June or anytime prior to, after that, whatever.\n\nSo, like, even if you were in cash now. And\n\nChannel 1: Where\n\nChannel 0: everything\n\nChannel 1: am I\n\nChannel 0: indicates\n\nChannel 1: sitting now?\n\nChannel 0: absolutely. Oh, come on. Why is everything logging me out every five seconds? One una momento.\n\nChannel 1: Because I feel\n\nChannel 0: I\n\nChannel 1: like\n\nChannel 0: did\n\nChannel 1: I'm\n\nChannel 0: just have everything\n\nChannel 1: below\n\nChannel 0: open.\n\nChannel 1: where I should be for my age.\n\nChannel 0: When I was looking at everything, you honestly looked like you were sitting pretty on par with, like, national average. So it's just, I guess, dependent on what you're wanting to achieve overall as to whether that's going to be enough to get to where you want to be and or, I guess, you know, what your what your ultimate goal is. So what whatever your goal may be for retirement, that would give me the indication as to whether we're we're sitting on par. Because right now, you're sitting at, like, a 149,000 within\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: fund.\n\nChannel 1: think last time I checked, it was $1.45. So so how much did I make in the\n\nChannel 0: Nicole.\n\nChannel 1: like, how much yeah.\n\nChannel 0: Hello?\n\nChannel 1: Hello? Are you there? I'm here.\n\nChannel 0: Nicole?\n\nChannel 1: Hello? I'm still here. Yes. I'm here. Hello?\n\nCan you hear me? Hello? Hello? Hello? Hello?\n\nI can hear you.\n\nChannel 0: Let me give you a callback, and, hopefully,\n\nChannel 1: Can\n\nChannel 0: I\n\nChannel 1: you\n\nChannel 0: can catch you.\n\nChannel 1: can you hear me?\n\nChannel 0: Everything seems okay on my side. Let me give you a callback.\n\nChannel 1: Okay.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.71999997,"sentiment":"neutral","sentiment_score":0.034449804574251175},{"text":"Nikki speaking.","start":0.71999997,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.03037223592400551}],"sentiment":"neutral","sentiment_score":0.031731425474087395,"channel":1,"num_words":3,"start":0.39999998,"end":1.6999999},{"sentences":[{"text":"Hi, Nicole.","start":2.8,"end":3.62,"sentiment":"neutral","sentiment_score":0.1393412947654724},{"text":"Larissa from ArcGree Financial.","start":3.6799998,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.16834797710180283},{"text":"How are you 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last time I checked, it was $1.45.","start":318.26,"end":320.92,"sentiment":"neutral","sentiment_score":0.01689620828256011},{"text":"So so how much did I make in the","start":320.98,"end":324.66,"sentiment":"neutral","sentiment_score":0.033592665981915265}],"sentiment":"neutral","sentiment_score":0.025735509417512837,"channel":1,"num_words":17,"start":318.26,"end":324.66},{"sentences":[{"text":"Nicole.","start":324.725,"end":325.225,"sentiment":"neutral","sentiment_score":0.018928788602352142}],"sentiment":"neutral","sentiment_score":0.018928788602352142,"channel":0,"num_words":1,"start":324.725,"end":325.225},{"sentences":[{"text":"like, how much 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you.","start":355.50497,"end":356.565,"sentiment":"neutral","sentiment_score":0.043908155212799706}],"sentiment":"neutral","sentiment_score":0.043908155212799706,"channel":0,"num_words":3,"start":355.50497,"end":356.565},{"sentences":[{"text":"can you hear me?","start":356.29,"end":357.39893,"sentiment":"neutral","sentiment_score":-0.02033173106610775}],"sentiment":"neutral","sentiment_score":-0.02033173106610775,"channel":1,"num_words":4,"start":356.29,"end":357.39893},{"sentences":[{"text":"Everything seems okay on my side.","start":357.185,"end":359.025,"sentiment":"positive","sentiment_score":0.3450816944241524},{"text":"Let me give you a 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The representative asks for confirmation of her personal information and explains that the transaction occurred without her knowledge. The representative also asks about Nicole's retirement goals and suggests that she can check her retirement goals online."},"intents":{"segments":[{"text":"Let you know our calls are recorded. And if I could just get you to confirm security, it's full name, date of birth, address. Sure.","start_word":238,"end_word":262,"intents":[{"intent":"Confirm security","confidence_score":0.28321904}]},{"text":"So when I was going through your file getting it all ready to do your annual review, I obviously started with, like, the advice that was handed to you previously and where everything fit.","start_word":320,"end_word":353,"intents":[{"intent":"Review file","confidence_score":0.17166051}]},{"text":"So where am I at now? What's happening?","start_word":502,"end_word":509,"intents":[{"intent":"Discuss market situation","confidence_score":0.0056736087}]},{"text":"In March, the assets bought in, Right. and you're invested in the market.","start_word":510,"end_word":522,"intents":[{"intent":"Inquire about potential asset purchase","confidence_score":0.0000047233925}]},{"text":"In March, the assets bought in, Right. and you're invested in the market. And before I triggered Have a sell I lost down, did money? anything Actually, you made money because you bought it Well, at the that's lowest good. point like, pretty much, like, the lowest point in the market.","start_word":510,"end_word":560,"intents":[{"intent":"Discuss future decision","confidence_score":0.00034141124}]},{"text":"So what whatever your goal may be for retirement, that would give me the indication as to whether we're we're sitting on par. Because right now, you're sitting at, like, a 149,000 within Yeah.","start_word":845,"end_word":878,"intents":[{"intent":"Calculate retirement goals","confidence_score":0.18482368}]}]},"sentiments":{"segments":[{"text":"Hello. Nikki speaking. Hi, Nicole. Larissa from ArcGree Financial. How are you going? Hi. I'm well.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.16921193897724152},{"text":"Thank you.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.5227274298667908},{"text":"I was I had my phone on me because I thought it was twelve, and I've been waiting thinking now I've scuffed it up again. No. No. You're okay. I got caught in another meeting for the last No problems. All good. too too long. Yeah. I tried to give you a call last Friday, and I was just like, I'm just gonna move it to my calendar, Yeah. and then That's I'll so try weird again. because I didn't even ring, and then I got your message saying that you're moving it. So random. Anyway, that's okay. That's why I was kinda had my phone on me this time going, ring, and then I thought maybe it's doing it again. But that's okay. No problems. We're here now. How are We're you? here. Oh, good. Just rocking a a solid head cold for the day, but that's alright. Oh, no.","start_word":18,"end_word":168,"sentiment":"neutral","sentiment_score":-0.06593096256256104},{"text":"You poor thing. That's awful.","start_word":169,"end_word":173,"sentiment":"negative","sentiment_score":-0.56401526927948},{"text":"Oh, it's alright. Just, you know, all the all the fun things that come with it. Nothing Yeah. too nothing too crazy. Nothing As you long can't as work sometimes work you can sound through. worse than you feel. So hopefully Pretty much. yeah. That's nice. Yeah. Oh, very good. Just, you know, just rocking the gorgeous husky voice, really.","start_word":174,"end_word":233,"sentiment":"neutral","sentiment_score":0.01435990072786808},{"text":"Oh, that sounds cute.","start_word":234,"end_word":237,"sentiment":"positive","sentiment_score":0.37549909949302673},{"text":"Let you know our calls are recorded. And if I could just get you to confirm security, it's full name, date of birth, address. Sure. Nicole Fraser. The 02/01/1976, and it is 8 Henderson Street East Ballina, Amazing. New South Wales 2487. Yeah. Perfect. I always forget that bit. No. No. That's amazing. Okay. So there's a a few things I wanted to go through today, and I guess, first and foremost, I did wanna jump in and be open and honest. So when I was going through your file getting it all ready to do your annual review, I obviously started with, like, the advice that was handed to you previously and where everything fit. I noticed on file that you signed a what's called a transaction without advice in the September of last year, which resulted Yes. in, as per your request, the sell down of all your assets until the June 30, which is when we would have bought back into the market. Now I noticed that due to an administration error in March, we actually bought all of your assets back in because we did an Oh, underlying change to the asset pool that you had previously been invested in, so I and thought it resulted that I in was a in sweep through. all cash until further notice. I didn't realize it was moving back in June even. Yeah. So the I mean, document stated until the June 30 unless notified prior Oh, okay. is what That's the document not stated. how I remember the conversation, but that's okay. So where am I at now? What's happening? In March, the assets bought in, Right. and you're invested in the market. And before I triggered Have a sell I lost down, did money? anything Actually, you made money because you bought it Well, at the that's lowest good.","start_word":238,"end_word":549,"sentiment":"neutral","sentiment_score":-0.0010626351532454677},{"text":"point like, pretty much, like, the lowest point in the market.","start_word":550,"end_word":560,"sentiment":"negative","sentiment_score":-0.35992321372032166},{"text":"Oh, I well, was that's looking good. at it yeah.","start_word":561,"end_word":570,"sentiment":"neutral","sentiment_score":0.05677184090018272},{"text":"I was looking at it, though, and I was like, honestly, this couldn't have played out any better for her, but it was pure dumb luck.","start_word":571,"end_word":596,"sentiment":"negative","sentiment_score":-0.5586057305335999},{"text":"Yeah. Right. Someone's looking out But for me I because I I wanted Yeah. it in cash because I've been, like, in conversations where people are saying, like, it's looking really bad and things are gonna crash and blah blah blah.","start_word":597,"end_word":637,"sentiment":"neutral","sentiment_score":-0.1920053119339594},{"text":"So I thought, I don't need that.","start_word":638,"end_word":644,"sentiment":"negative","sentiment_score":-0.3738045692443848},{"text":"Everything Yeah.","start_word":645,"end_word":646,"sentiment":"neutral","sentiment_score":-0.16144295036792755},{"text":"else in my life has crashed. I don't need to lose my money in my super.","start_word":647,"end_word":662,"sentiment":"negative","sentiment_score":-0.45988908410072327},{"text":"No. I mean, that's not what I was saying. But I guess it it's it's a question as to where you wanna go moving forward. Like, I'm gonna do calculations anyway in the back end. Like, the calculations I did were indicative based on, like, of the fact that we bought in in March versus had we bought in in June or anytime prior to, after that, whatever. So, like, even if you were in cash now. And Where everything am I indicates sitting now? absolutely. Oh, come on. Why is everything logging me out every five seconds? One una momento. Because I feel I like did I'm just have everything below open. where I should be for my age. When I was looking at everything, you honestly looked like you were sitting pretty on par with, like, national average. So it's just, I guess, dependent on what you're wanting to achieve overall as to whether that's going to be enough to get to where you want to be and or, I guess, you know, what your what your ultimate goal is. So what whatever your goal may be for retirement, that would give me the indication as to whether we're we're sitting on par. Because right now, you're sitting at, like, a 149,000 within Yeah. the I fund. think last time I checked, it was $1.45. So so how much did I make in the Nicole. like, how much yeah. Hello? Hello? Are you there? I'm here. Nicole? Hello? I'm still here. Yes. I'm here. Hello? Can you hear me? Hello? Hello? Hello? Hello? I can hear you. Let me give you a callback, and, hopefully, Can I you can catch you. can you hear me?","start_word":663,"end_word":949,"sentiment":"neutral","sentiment_score":0.07567113680758543},{"text":"Everything seems okay on my side.","start_word":950,"end_word":955,"sentiment":"positive","sentiment_score":0.3394709527492523},{"text":"Let me give you a callback. Okay.","start_word":956,"end_word":962,"sentiment":"neutral","sentiment_score":0.12514953315258026}],"average":{"sentiment":"neutral","sentiment_score":-0.018018501208432937}}}}