{"metadata":{"transaction_key":"deprecated","request_id":"01a0a872-be0a-7510-861d-45348453ed8a","sha256":"3b37da86874a75a70f63261fbcfc45d9eb5ef52244341d457d74176d6e523911","created":"2026-09-16T04:21:29.908Z","duration":1184.0399,"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":4466,"output_tokens":108},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4990,"output_tokens":5000},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4990,"output_tokens":374}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Daniella. It's Tommy here from Oakview. How are you doing? I'm doing absolutely fantastic. It's a beautiful overcast down in the Gold Coast. What about your end? Both having a fantastic time. I have an updated advice strategy to send through to you. Do you still have a bit of time for me today? Perfect. So while I pop that through to your email, I'm just gonna do a quick security check with you. If you recall your client password with Oakview it is. I didn't have a a password prompt there, so I was gonna switch over to 3Point. But, yes, it is Lexi. Amazing. Do you want me to add a prompt down just in case if you ever forget, or do you think you'll always remember? I'm gonna write that down. Go to easy prompt password thing. That'll work. Now are you okay for this call to be recorded? Perfect. Now I've sent that through to your Gmail account. Will you be able to look onto the document with me today, or should I just kinda walk you through it? Beautiful. No. So when you hit that sign button, it'll actually bring open the documents to scroll through with it. Cool. So you should see that beachfront city Gold Coast picture. Amazing. So just to let you know what's here, we're in a bit of an updated plan. I've factored in everything that's been going on with government legislation changes, the markets, and all the discussions I've had with Dom as well just to make sure what you've got is as up to date as can be. And in addition to the SOA, you also have, like, a consent form for Hub 24 and also just product documents for all the providers, which unfortunately is about 1,400 pages. So these are just for your records. Yeah. So you don't have to read through them. They are skippable, but it will give you a copy as well. Perfect. Now if you have a little scroll through to me on pages four and five, it'll be three on the bottom of the document, four on the Odoo system. You'll see a scope of advice. So what this document covers essentially is a review of the superannuation, and your sort of Northern Star guiding goal is a bit of a joint early retirement for you guys. So as we refine things over time, we'll continually sort of reanalyze how you're tracking for that ultimate retirement goal. Portfolios, weren't doing anything crazy in terms of additional contributions or anything like that right now. And we have a bit of reminder in there in terms of estate planning just to make sure we've got, you know, a will power of attorney in place. I believe you guys had some will kits previously. Not sure if you guys finalized those. That's okay. It's always the way, and it is just our our reminder. On the next page, limited scope. We weren't doing any insurance advice because of health concerns. We're just keeping your rest cover in place, but this does factor in the premiums and the impact that they do have on the super. Cool. In terms of the other goals, we've got your cash flow, debt management, investment goals, and everything listed. You've got beneficiaries in place. That's goals, and everything listed. You've got beneficiaries in place. That's great. Essentially, you guys are comfortable managing your your personal goals, which is obviously, you know, holiday savings, debt repayments, mortgages, and so on, that's not covered in this document. Cool. And just out of curiosity, are you guys still planning after you pay down the mortgage to look towards investment properties? Is kind of a a long, long term thing? Or Yeah. Absolutely. Perfect. I've essentially put down some priorities there just saying that, you know, you're doing some savings. You're paying down your mortgage. The properties are probably your third priority, and then everything else comes after that. Perfect. If you scroll through, you'll see a red heading for limited advice warning saying exactly that. It's not covering everything. And if the information isn't accurate, that impacts the advice. In terms of your details, may need a little bit of updating here, but there's an about you section where we have you as a student counselor on about 41,000. Still doing part time. Perfect. So I'm gonna add that into your file. Perfect. So what that will do is the extra day will obviously lead to more contributions, so a bit higher in terms of invested amounts. And when I do that next review with you guys next year, I can update those details, if your income next financial year has changed significantly. In terms of assets and liabilities, we've got the mortgage, the home, the shares, the car, and the offset. I'm not sure if there's been any major, major changes. I know the market's kind of gone up and down a little bit in terms of the property side of things. Perfect. And then we've got your hub and your rest super funds listed there as well. Cool. If you swing through, you'll see the insurances. I finally did get some information about the Ali insurances, which was quite strange because they would send us details for one of you guys with the rest of it redacted for the other person, and they were kind of not sending through a holistic view of that joint policy. Little bit. Little bit. But we did get the information there, so we are tracking that one. And the rest insurance is there as well. If you go past there, you'll see risk profile on the next two pages being high growth currently. We're not changing your risk profile. We're just dealing with the underlying investments at this point. This one's a little bit text heavy, but if you go to pages twelve and thirteen, you'll see strategy recommendations. So what we're essentially recommending is to update the investments within both funds just to be in line with the risk profile and also do a bit of a top up rollover from rest into hub and just maintain that minimum for the insurances still. Now what this essentially says is that we've had to factor in things like brokerage fees, capital gains tax inside the super, and try to make sure that we're lowering your investment costs, improving the performance, and not including any fees that are too high to warrant not changing any investments. If you go on the next page so, again, I haven't projected you out to retirement just because it's so many years away. I can't really yeah. I can't accurately go decades and decades with any any uncertainty, but ten years is what we've put in this document. If you swing past there, last couple of sort of text heavy pages on fourteen and fifteen, you'll see advantages and disadvantages in a bit of a table there. So the main thing with all of our portfolios that we put together is brokerage fees because we use ETFs. And, essentially, there's a that 0.11% you've gotta do to purchase them. Once you've got them, they're kind of the lowest fee investments going forward. Cool. If you go past there, some usual warnings. We can't control the stock market in the world. If there's, you know, wars and financial crises, that'll impact things. But we do factor in a bit of a long term average because, you know, every five to seven years, there's something going on, and we need to make sure you still get there regardless. Awesome. Now into the sort of detail side of things, you'll see projections and fee comparison on page sixteen, seventeen. You should see a blue table there. So good news for you is that with all of the investments, which is we're looking to do, it only came out to be about $238 in terms of capital gains tax inside the super from switching everything out. Now I was expecting a few thousand that came out really good, and we're dropping the investment fees by about the same amount, and it's percentage based. So the larger your balance grows, the more fee savings there will be. The admin fees go up a little bit because obviously, hub twenty four is a bit more expensive than rest. Long average. So this one was a bit strange. I have kind of split the performance on the next page for you, but the long term average goes from about 5% to 11, And that's a combination of what REST was doing plus a couple of options inside Hub that weren't doing too well that we're switching out for both of those. So it's a pretty large impact to get you back up into the double digits. Projections wise, bit of a grain of salt. We're thinking over the next ten years, an additional 50,000 in your balance is pretty accurate for the performance and fees and everything all is said and done. Obviously, not factoring in additional work hours. On the next page, you'll see that full breakdown, and that's really just showing you the combined balances where it was and where it's going to and then a split between the old hub twenty four portfolio, the new one, the old rest portfolio, the new one. And what I'm basically trying to do is trying to get as many of them in line with double digit consistency across all time periods. Rest is a little bit behind in five and ten years, but it's not too bad. I would prefer prefer you to keep them in a high growth option for as long as you can rather than keeping it in the current growth option. So you can do it online, but we can fill out, like, an investment switch form, send it through to you, like, prefilled with some forward on envelopes, which if that's helpful, unless you're comfortable yeah. That'll be good. I'll fair enough. So I'll get the team to prefill that along with it. Everything relating to hub in terms of rollovers and switches, we do online because we've got transaction access, and rest would just be a form. Alrighty. Past there, so last two tables for you is investments, red heading on pages eighteen and nineteen. Should be quite a lot of figures on there. So can you make any of these figures out? Is it blurry? Is it clear? Cool. So the top few rows basically just says we wanna sell out of the growth fund in rest and move it to the high growth. That includes a partial rollover to Hub '24, and the remaining 8,000 will go into that new option as well as your contributions. Cool. In terms of the Hub portfolio, the easiest way to understand this is in that second last column under target weight percentages, you'll see all the ones with zero that we're selling out of and all the ones with round figures that we're either rebalancing back to where they should be or the ones that we're including on the next page. We've added five options for you. Basically, need to add in a bit of gold for some alternatives. We're switching out some of the term deposits because the government's phasing a certain type of them out called a bank hybrid. I need to get that switched out. Bennelong was the underperformer, so I'm switching that out with a low fee index fund and a little few extra satellites there as well. Now the last table for you is on page 20 slash 21. You'll see a pie chart there for your asset allocation. So long story short, 90 to a 100% of your funds should be in growth assets, like shares, property, and goals to be high growth. You're sitting at just shy of 84. Once we switch both portfolios around and do the rollover, you'll be up to about 93 and a half. It'll fluctuate between there over time. Cool. Just bear in mind too that given the way the world is at the moment, it's gonna be quite the roller coaster ride. It's gonna be going up and down quite a bit. And, yeah, it could be going up 10%, one month down 20% the next few months and then back up 50. It could be all over the shop. We will aim for the long term averages like we normally do over five, seven, and ten years to try and hit those double digits. And then when you're closer to retirement, we'll start to scale back the risk to protect it once it's built. Awesome. So I know that was a bit of a flash info dump, but does it make sense what we're doing? Cool. Any questions for me at this point? Alrighty. After that, pretty well just lets you know why you should have a will in place after that, power of attorney as well. I know you can get some basic kits from Australia Post to the government approved, and we do have, like, some lawyers that we do know that do some slight discounts to do them online if you would like us to send one of those through unless you've still got those will kits. Yeah. Okay. Perfect. We've reiterated the advice fees towards the back, and there is a consent form at the bottom. Second last page to consent. So with this whole package, there is a bit of a box that you can fill in some text if you wanna change any of the recommendations. If not, you basically just type in NA and then just sign end date. I will get the forms drafted up once we get this back signed. We have included you guys are still on the partner fee discount with us of 1.1 percent. So I've included that updated consent form as well. Now have you used this system before? Cool. So the only reminder here is that when you go there's, like, a begin button that brings you to the spots to sign. What'll basically happen is you sign the authority to proceed here. You'll then move over to the next document, which is the appendix, which is not signable. It's a skip and then the consent form to sign. After that, there's just four more documents to kind of skip through and then validate at the end. Yep. Thankfully, you don't have to scroll through the bottom of them all because, again, once you get that investment menu, 491 pages, you don't have to read all the investment options. Yeah. And it should do the old spinning circle for a moment while it loads, which can take a moment just because of the amount of pages. That is gonna crash and not work? Yep. Yep. From here, so I'll obviously put in for, like, a next annual review next year as well. Is there anything that you would like me to pencil in for this side of Christmas or in the New Year to discuss with you guys? I'm glad. Cool. Alrighty. I'll just give this a little refresh and see if it pops through, and just let me know once that circle alleviates your stress there. Makes it more awkward. You mean to be patient? Should I reset the computer? Just while that's doing that, I'm gonna quickly check ID on file because we may need some updated ID to certify. I'll just quickly see when yours was expiring. Yeah. We've had some changes to, like, anti money laundering legislation where there's a few extra checks that we need to do and just make sure that it's always kind of valid on file. Let's have a look. Yep. That's come through on our end. You should get a copy of those. And the last one I've got was September of last year, which I'm assuming has not expired. Let's have a look. See. Sorry. Okay. I'm trying to make it out as best I can. It looks like February 2028 on the license system, kind of a bit blurry on the screenshot I can see, but it should be valid for another year and a half. Amazing, Daniel. Cool. Mhmm. Alrighty. So that's all perfect. Amazing. Is there anything else I can help you with before I let you go for your week? Yeah. That's right. So if it's easy for you, we can kind of post one out with a forward on envelope unless you're comfortable kind of printing and scanning and emailing. What would you prefer? Alrighty. I'll let the team know to send it digitally. And if you run into any trouble at all, just give us a call. No worries. Thank you so much for your time, and have a fantastic week. I will. I'm going straight for a sun walk right now. Thank you. No. Going till 07:00 tonight, so I'll be back. Alright, Daniel. See you later. No worries. Bye.","confidence":0.99902344,"words":[{"word":"good","start":2.3999999,"end":2.8,"confidence":1.0,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.2682669162750244},{"word":"afternoon","start":2.8,"end":3.3,"confidence":0.9995117,"punctuated_word":"afternoon,","sentiment":"neutral","sentiment_score":0.24001286923885343},{"word":"daniella","start":3.36,"end":3.84,"confidence":0.8845215,"punctuated_word":"Daniella.","sentiment":"neutral","sentiment_score":0.244734525680542},{"word":"it's","start":3.84,"end":4.08,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.23047088086605072},{"word":"tommy","start":4.08,"end":4.3199997,"confidence":0.99121094,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.16728781163692474},{"word":"here","start":4.3199997,"end":4.48,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.16690824925899506},{"word":"from","start":4.48,"end":4.72,"confidence":0.99609375,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1735716462135315},{"word":"oakview","start":4.72,"end":5.12,"confidence":0.8639323,"punctuated_word":"Oakview.","sentiment":"neutral","sentiment_score":0.1659957468509674},{"word":"how","start":5.12,"end":5.2,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2090669721364975},{"word":"are","start":5.2,"end":5.2799997,"confidence":0.6879883,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.197793573141098},{"word":"you","start":5.2799997,"end":5.3599997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1690845936536789},{"word":"doing","start":5.3599997,"end":5.8599997,"confidence":1.0,"punctuated_word":"doing?","sentiment":"neutral","sentiment_score":0.20760464668273929},{"word":"i'm","start":7.44,"end":7.7599998,"confidence":0.9802246,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6441366672515869},{"word":"doing","start":7.7599998,"end":8.08,"confidence":1.0,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.7369277477264404},{"word":"absolutely","start":8.08,"end":8.58,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.7319337129592896},{"word":"fantastic","start":8.639999,"end":9.139999,"confidence":0.9658203,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.798934817314148},{"word":"it's","start":9.2,"end":9.36,"confidence":0.9550781,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.5866226553916931},{"word":"a","start":9.36,"end":9.44,"confidence":0.9951172,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5350383520126343},{"word":"beautiful","start":9.44,"end":9.94,"confidence":1.0,"punctuated_word":"beautiful","sentiment":"positive","sentiment_score":0.5764545202255249},{"word":"overcast","start":10.0,"end":10.4,"confidence":0.95043945,"punctuated_word":"overcast","sentiment":"positive","sentiment_score":0.5096739530563354},{"word":"down","start":10.4,"end":10.639999,"confidence":0.44335938,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.44851499795913696},{"word":"in","start":10.639999,"end":10.719999,"confidence":0.39575195,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4868859350681305},{"word":"the","start":10.719999,"end":10.8,"confidence":0.92089844,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5355651378631592},{"word":"gold","start":10.8,"end":11.04,"confidence":0.9873047,"punctuated_word":"Gold","sentiment":"positive","sentiment_score":0.6040100455284119},{"word":"coast","start":11.04,"end":11.28,"confidence":1.0,"punctuated_word":"Coast.","sentiment":"positive","sentiment_score":0.52936851978302},{"word":"what","start":11.28,"end":11.5199995,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.10341077297925948},{"word":"about","start":11.5199995,"end":11.759999,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07946017384529114},{"word":"your","start":11.759999,"end":11.92,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07352074235677719},{"word":"end","start":11.92,"end":12.42,"confidence":1.0,"punctuated_word":"end?","sentiment":"neutral","sentiment_score":0.2270439565181732},{"word":"both","start":15.595,"end":15.915,"confidence":0.9580078,"punctuated_word":"Both","sentiment":"neutral","sentiment_score":0.3241701126098633},{"word":"having","start":15.915,"end":16.155,"confidence":0.9941406,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.4098314642906189},{"word":"a","start":16.155,"end":16.395,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4462012052536011},{"word":"fantastic","start":16.395,"end":16.895,"confidence":1.0,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.6275849938392639},{"word":"time","start":16.955,"end":17.455,"confidence":0.99902344,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.5362012982368469},{"word":"i","start":19.835,"end":20.075,"confidence":0.71435547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29058051109313965},{"word":"have","start":20.075,"end":20.475,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22029420733451843},{"word":"an","start":20.475,"end":20.715,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.22454358637332916},{"word":"updated","start":20.715,"end":21.215,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2205941677093506},{"word":"advice","start":21.275,"end":21.755,"confidence":0.91845703,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.27505114674568176},{"word":"strategy","start":21.755,"end":22.255,"confidence":1.0,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.23031717538833615},{"word":"to","start":22.314999,"end":22.715,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17576313018798828},{"word":"send","start":22.715,"end":22.955,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2032740414142609},{"word":"through","start":22.955,"end":23.195,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.24019533395767212},{"word":"to","start":23.195,"end":23.355,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2742643356323242},{"word":"you","start":23.355,"end":23.515,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.17677661776542664},{"word":"do","start":23.515,"end":23.675,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.033720463514328},{"word":"you","start":23.675,"end":23.835,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034793853759765625},{"word":"still","start":23.835,"end":23.994999,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.028616532683372498},{"word":"have","start":23.994999,"end":24.154999,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04366852715611458},{"word":"a","start":24.154999,"end":24.235,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04529866203665733},{"word":"bit","start":24.235,"end":24.395,"confidence":0.9941406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04608352482318878},{"word":"of","start":24.395,"end":24.555,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04951757937669754},{"word":"time","start":24.555,"end":24.795,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.07044679671525955},{"word":"for","start":24.795,"end":24.955,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07533904910087585},{"word":"me","start":24.955,"end":25.115,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.083309605717659},{"word":"today","start":25.115,"end":25.615,"confidence":1.0,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.08759485185146332},{"word":"perfect","start":27.115,"end":27.615,"confidence":0.9904785,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4028841257095337},{"word":"so","start":27.94,"end":28.26,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13220401108264923},{"word":"while","start":28.26,"end":28.58,"confidence":0.99902344,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.10984325408935548},{"word":"i","start":28.58,"end":28.74,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1455714851617813},{"word":"pop","start":28.74,"end":28.980001,"confidence":0.99121094,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.16892436146736145},{"word":"that","start":28.980001,"end":29.140001,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14977526664733887},{"word":"through","start":29.140001,"end":29.62,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14570441842079165},{"word":"to","start":29.62,"end":29.78,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.112440288066864},{"word":"your","start":29.78,"end":30.1,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08395792543888092},{"word":"email","start":30.1,"end":30.5,"confidence":0.99853516,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.10796017199754716},{"word":"i'm","start":30.5,"end":30.66,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.115338496863842},{"word":"just","start":30.66,"end":30.82,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10946285724639893},{"word":"gonna","start":30.82,"end":31.060001,"confidence":0.99316406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1000124365091324},{"word":"do","start":31.060001,"end":31.140001,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11905992776155472},{"word":"a","start":31.140001,"end":31.220001,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07838504016399384},{"word":"quick","start":31.220001,"end":31.62,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.10445525497198103},{"word":"security","start":31.62,"end":32.1,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.049276117235422134},{"word":"check","start":32.1,"end":32.260002,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.09108419716358183},{"word":"with","start":32.260002,"end":32.5,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08917607367038727},{"word":"you","start":32.5,"end":33.0,"confidence":0.97753906,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1054159626364708},{"word":"if","start":33.7,"end":34.2,"confidence":0.8178711,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.026159163564443588},{"word":"you","start":34.260002,"end":34.58,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018576590344309807},{"word":"recall","start":34.58,"end":34.98,"confidence":1.0,"punctuated_word":"recall","sentiment":"neutral","sentiment_score":0.019926372915506363},{"word":"your","start":34.98,"end":35.3,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.026465732604265213},{"word":"client","start":35.3,"end":35.7,"confidence":1.0,"punctuated_word":"client","sentiment":"neutral","sentiment_score":0.06072486564517021},{"word":"password","start":35.7,"end":36.18,"confidence":0.9970703,"punctuated_word":"password","sentiment":"neutral","sentiment_score":0.03468036651611328},{"word":"with","start":36.18,"end":36.34,"confidence":0.88134766,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.015193462371826172},{"word":"oakview","start":36.34,"end":36.58,"confidence":0.8828125,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.03406088054180145},{"word":"it","start":41.06,"end":41.38,"confidence":0.74902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0522771030664444},{"word":"is","start":41.38,"end":41.865,"confidence":0.99658203,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.03799080103635788},{"word":"i","start":42.505,"end":42.745003,"confidence":0.93115234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.032298631966114044},{"word":"didn't","start":42.745003,"end":42.985,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.029832299798727036},{"word":"have","start":42.985,"end":43.225002,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03614941984415054},{"word":"a","start":43.225002,"end":43.465,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03598997741937637},{"word":"a","start":43.465,"end":43.545002,"confidence":0.8852539,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03262753039598465},{"word":"password","start":43.545002,"end":44.025,"confidence":1.0,"punctuated_word":"password","sentiment":"neutral","sentiment_score":0.037529733031988144},{"word":"prompt","start":44.025,"end":44.345,"confidence":0.9970703,"punctuated_word":"prompt","sentiment":"neutral","sentiment_score":0.03787846863269806},{"word":"there","start":44.345,"end":44.505,"confidence":0.9187012,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.045186035335063934},{"word":"so","start":44.505,"end":44.585003,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.035467348992824554},{"word":"i","start":44.585003,"end":44.745003,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05561789125204086},{"word":"was","start":44.745003,"end":44.985,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03821465000510216},{"word":"gonna","start":44.985,"end":45.145,"confidence":0.9902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.04317166656255722},{"word":"switch","start":45.145,"end":45.465,"confidence":0.99902344,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.03874711319804192},{"word":"over","start":45.465,"end":45.625,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.0456412173807621},{"word":"to","start":45.625,"end":45.865,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.047810524702072144},{"word":"3point","start":45.865,"end":46.345,"confidence":0.83239746,"punctuated_word":"3Point.","sentiment":"neutral","sentiment_score":0.03966878354549408},{"word":"but","start":46.345,"end":46.585003,"confidence":0.9494629,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.07507336139678955},{"word":"yes","start":46.585003,"end":46.825,"confidence":0.9794922,"punctuated_word":"yes,","sentiment":"neutral","sentiment_score":0.12471960484981535},{"word":"it","start":46.825,"end":46.985,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1398175060749054},{"word":"is","start":46.985,"end":47.225002,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1189652979373932},{"word":"lexi","start":47.225002,"end":47.725002,"confidence":0.91520184,"punctuated_word":"Lexi.","sentiment":"neutral","sentiment_score":0.12960198521614075},{"word":"amazing","start":49.705,"end":50.105003,"confidence":0.9951172,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.4222153723239898},{"word":"do","start":50.105003,"end":50.185,"confidence":0.9980469,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.15167585015296936},{"word":"you","start":50.185,"end":50.265,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14754706621170044},{"word":"want","start":50.265,"end":50.425003,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.14745959639549255},{"word":"me","start":50.425003,"end":50.505,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.17912736535072327},{"word":"to","start":50.505,"end":50.665,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17621544003486633},{"word":"add","start":50.665,"end":50.825,"confidence":0.99902344,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.1316467523574829},{"word":"a","start":50.825,"end":50.905003,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09253066778182983},{"word":"prompt","start":50.905003,"end":51.145,"confidence":1.0,"punctuated_word":"prompt","sentiment":"neutral","sentiment_score":0.10677353292703629},{"word":"down","start":51.145,"end":51.385002,"confidence":0.9921875,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.12076537311077118},{"word":"just","start":51.385002,"end":51.545002,"confidence":0.97802734,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11758781224489212},{"word":"in","start":51.545002,"end":51.625,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1388457417488098},{"word":"case","start":51.625,"end":51.785004,"confidence":0.99902344,"punctuated_word":"case","sentiment":"neutral","sentiment_score":0.1349577009677887},{"word":"if","start":51.785004,"end":51.945,"confidence":0.98828125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1250477135181427},{"word":"you","start":51.945,"end":52.025,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1007438227534294},{"word":"ever","start":52.025,"end":52.265,"confidence":0.9980469,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.10163946449756622},{"word":"forget","start":52.265,"end":52.665,"confidence":0.8864746,"punctuated_word":"forget,","sentiment":"neutral","sentiment_score":0.08315197378396988},{"word":"or","start":52.665,"end":52.905003,"confidence":0.9892578,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09151487052440643},{"word":"do","start":52.905003,"end":52.985,"confidence":0.98095703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05657995119690895},{"word":"you","start":52.985,"end":53.065002,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06231071054935455},{"word":"think","start":53.065002,"end":53.305,"confidence":0.9863281,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.05493887886404991},{"word":"you'll","start":53.305,"end":53.705,"confidence":0.9875488,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.06774438917636871},{"word":"always","start":53.705,"end":53.945,"confidence":0.9941406,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.05290355533361435},{"word":"remember","start":53.945,"end":54.36,"confidence":0.98706055,"punctuated_word":"remember?","sentiment":"neutral","sentiment_score":0.0714486688375473},{"word":"i'm","start":60.440002,"end":60.68,"confidence":0.9951172,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.003332279622554779},{"word":"gonna","start":60.68,"end":60.920002,"confidence":1.0,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.00028038211166858673},{"word":"write","start":60.920002,"end":61.16,"confidence":0.9970703,"punctuated_word":"write","sentiment":"neutral","sentiment_score":0.031566321849823},{"word":"that","start":61.16,"end":61.32,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.039510421454906464},{"word":"down","start":61.32,"end":61.64,"confidence":0.87280273,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.01458730548620224},{"word":"go","start":61.64,"end":61.88,"confidence":0.9970703,"punctuated_word":"Go","sentiment":"neutral","sentiment_score":0.05404387786984444},{"word":"to","start":61.88,"end":62.28,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06766527891159058},{"word":"easy","start":62.28,"end":62.68,"confidence":0.9980469,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":0.05461239814758301},{"word":"prompt","start":62.68,"end":63.08,"confidence":0.9941406,"punctuated_word":"prompt","sentiment":"neutral","sentiment_score":0.029210859909653664},{"word":"password","start":63.08,"end":63.58,"confidence":0.9921875,"punctuated_word":"password","sentiment":"neutral","sentiment_score":0.01745733991265297},{"word":"thing","start":63.64,"end":64.14,"confidence":0.98828125,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.023051027208566666},{"word":"that'll","start":65.72,"end":66.2,"confidence":0.8288574,"punctuated_word":"That'll","sentiment":"neutral","sentiment_score":0.1442434787750244},{"word":"work","start":66.2,"end":66.675,"confidence":0.9975586,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.14618268609046936},{"word":"now","start":66.915,"end":67.15501,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04878818616271019},{"word":"are","start":67.15501,"end":67.315,"confidence":0.96240234,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.032704465091228485},{"word":"you","start":67.315,"end":67.475006,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04307902604341507},{"word":"okay","start":67.475006,"end":67.715004,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.04579465836286545},{"word":"for","start":67.715004,"end":67.875,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05456072837114334},{"word":"this","start":67.875,"end":68.035,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.051995426416397095},{"word":"call","start":68.035,"end":68.275,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.04483623802661896},{"word":"to","start":68.275,"end":68.355,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04156460240483284},{"word":"be","start":68.355,"end":68.515,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05174950882792473},{"word":"recorded","start":68.515,"end":69.015,"confidence":0.9995117,"punctuated_word":"recorded?","sentiment":"neutral","sentiment_score":0.0643322691321373},{"word":"perfect","start":71.315,"end":71.815,"confidence":0.99194336,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.335462749004364},{"word":"now","start":71.875,"end":72.195,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.14983321726322174},{"word":"i've","start":72.195,"end":72.355,"confidence":0.99072266,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.11326950788497923},{"word":"sent","start":72.355,"end":72.675,"confidence":1.0,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.11381516605615616},{"word":"that","start":72.675,"end":72.915,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1208299770951271},{"word":"through","start":72.915,"end":73.315,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0950913280248642},{"word":"to","start":73.315,"end":73.475006,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11894520372152328},{"word":"your","start":73.475006,"end":73.975006,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1045498251914978},{"word":"gmail","start":74.035,"end":74.515,"confidence":0.9951172,"punctuated_word":"Gmail","sentiment":"neutral","sentiment_score":0.12153918296098708},{"word":"account","start":74.515,"end":75.015,"confidence":0.99658203,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.0937461480498314},{"word":"will","start":75.235,"end":75.395004,"confidence":0.88134766,"punctuated_word":"Will","sentiment":"neutral","sentiment_score":0.0491751953959465},{"word":"you","start":75.395004,"end":75.555,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06434514373540878},{"word":"be","start":75.555,"end":75.715004,"confidence":0.88183594,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06020194664597511},{"word":"able","start":75.715004,"end":75.795,"confidence":0.96533203,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.06628172099590302},{"word":"to","start":75.795,"end":75.875,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0706707090139389},{"word":"look","start":75.875,"end":75.955,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07722748816013336},{"word":"onto","start":75.955,"end":76.275,"confidence":0.50146484,"punctuated_word":"onto","sentiment":"neutral","sentiment_score":0.07167442888021469},{"word":"the","start":76.275,"end":76.355,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06424960494041443},{"word":"document","start":76.355,"end":76.755005,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.06021500006318092},{"word":"with","start":76.755005,"end":76.995,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.053746066987514496},{"word":"me","start":76.995,"end":77.155,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.07237338274717331},{"word":"today","start":77.155,"end":77.395004,"confidence":0.8640137,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.048735566437244415},{"word":"or","start":77.395004,"end":77.635,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.030791567638516423},{"word":"should","start":77.635,"end":77.795006,"confidence":0.9135742,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.03260423615574837},{"word":"i","start":77.795006,"end":77.955,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.051755186170339584},{"word":"just","start":77.955,"end":78.115005,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0368182547390461},{"word":"kinda","start":78.115005,"end":78.435005,"confidence":0.9199219,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.04467182978987694},{"word":"walk","start":78.435005,"end":78.595,"confidence":0.9980469,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.03614412248134613},{"word":"you","start":78.595,"end":78.755005,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03264385834336281},{"word":"through","start":78.755005,"end":78.915,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.048212237656116486},{"word":"it","start":78.915,"end":79.415,"confidence":0.99902344,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.04252701997756958},{"word":"beautiful","start":82.75,"end":83.25,"confidence":0.99121094,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.1854490041732788},{"word":"no","start":84.27,"end":84.509995,"confidence":0.92529297,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.010929135605692863},{"word":"so","start":84.509995,"end":84.829994,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0005845166742801666},{"word":"when","start":84.829994,"end":85.07,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.005899142473936081},{"word":"you","start":85.07,"end":85.229996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.014340009540319444},{"word":"hit","start":85.229996,"end":85.39,"confidence":1.0,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.018774066120386124},{"word":"that","start":85.39,"end":85.549995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.019475091248750687},{"word":"sign","start":85.549995,"end":85.78999,"confidence":0.9970703,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.0008461512625217438},{"word":"button","start":85.78999,"end":86.03,"confidence":0.99902344,"punctuated_word":"button,","sentiment":"neutral","sentiment_score":0.028770584613084793},{"word":"it'll","start":86.03,"end":86.35,"confidence":0.9736328,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.01898524723947048},{"word":"actually","start":86.35,"end":86.59,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.020390614867210388},{"word":"bring","start":86.59,"end":86.829994,"confidence":1.0,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.029687318950891495},{"word":"open","start":86.829994,"end":87.07,"confidence":0.9941406,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.029138438403606415},{"word":"the","start":87.07,"end":87.229996,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02653105929493904},{"word":"documents","start":87.229996,"end":87.63,"confidence":0.9003906,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.020392565056681633},{"word":"to","start":87.63,"end":87.78999,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010964024811983109},{"word":"scroll","start":87.78999,"end":88.03,"confidence":0.9980469,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.024670777842402455},{"word":"through","start":88.03,"end":88.27,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.03968566656112671},{"word":"with","start":88.27,"end":88.42999,"confidence":0.9873047,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.018045276403427124},{"word":"it","start":88.42999,"end":88.92999,"confidence":0.9008789,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.02955595962703228},{"word":"cool","start":90.509995,"end":90.909996,"confidence":0.9663086,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.13940370082855225},{"word":"so","start":90.909996,"end":91.06999,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08934435248374939},{"word":"you","start":91.06999,"end":91.149994,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08469557017087936},{"word":"should","start":91.149994,"end":91.31,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.13303133845329285},{"word":"see","start":91.31,"end":91.46999,"confidence":0.99609375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1129981055855751},{"word":"that","start":91.46999,"end":91.71,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11383991688489914},{"word":"beachfront","start":91.71,"end":92.21,"confidence":0.91967773,"punctuated_word":"beachfront","sentiment":"neutral","sentiment_score":0.09272530674934389},{"word":"city","start":92.27,"end":92.77,"confidence":0.97802734,"punctuated_word":"city","sentiment":"neutral","sentiment_score":0.11332912743091585},{"word":"gold","start":93.06999,"end":93.31,"confidence":0.69189453,"punctuated_word":"Gold","sentiment":"neutral","sentiment_score":0.10509119927883148},{"word":"coast","start":93.31,"end":93.63,"confidence":1.0,"punctuated_word":"Coast","sentiment":"neutral","sentiment_score":0.13001511991024017},{"word":"picture","start":93.63,"end":94.13,"confidence":0.9086914,"punctuated_word":"picture.","sentiment":"neutral","sentiment_score":0.11259394884109496},{"word":"amazing","start":95.63,"end":96.13,"confidence":0.9941406,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.3566601872444153},{"word":"so","start":96.189995,"end":96.509995,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16296085715293884},{"word":"just","start":96.509995,"end":96.75,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14750266075134277},{"word":"to","start":96.75,"end":96.829994,"confidence":0.9086914,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1265537589788437},{"word":"let","start":96.829994,"end":97.06999,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.17232650518417358},{"word":"you","start":97.06999,"end":97.149994,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14244213700294495},{"word":"know","start":97.149994,"end":97.31,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.16240836679935455},{"word":"what's","start":97.31,"end":97.63,"confidence":0.98461914,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.10284416377544404},{"word":"here","start":97.63,"end":97.95,"confidence":0.6850586,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.15611734986305237},{"word":"we're","start":97.95,"end":98.385,"confidence":0.7463379,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.14164802432060242},{"word":"in","start":98.545006,"end":98.785,"confidence":0.3852539,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14555664360523224},{"word":"a","start":98.785,"end":98.865005,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16294705867767334},{"word":"bit","start":98.865005,"end":98.945,"confidence":0.890625,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1648128479719162},{"word":"of","start":98.945,"end":99.105,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2189360707998276},{"word":"an","start":99.105,"end":99.265,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.22079457342624664},{"word":"updated","start":99.265,"end":99.665,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.14290137588977814},{"word":"plan","start":99.665,"end":100.065,"confidence":0.9802246,"punctuated_word":"plan.","sentiment":"neutral","sentiment_score":0.1408817172050476},{"word":"i've","start":100.065,"end":100.385,"confidence":0.99609375,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.14435118436813354},{"word":"factored","start":100.385,"end":100.785,"confidence":1.0,"punctuated_word":"factored","sentiment":"neutral","sentiment_score":0.14379411935806274},{"word":"in","start":100.785,"end":101.285,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1458141803741455},{"word":"everything","start":101.505005,"end":101.825005,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.14824934303760529},{"word":"that's","start":101.825005,"end":101.985,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1024770364165306},{"word":"been","start":101.985,"end":102.225,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.1116178259253502},{"word":"going","start":102.225,"end":102.385,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.142881378531456},{"word":"on","start":102.385,"end":102.625,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12534531950950625},{"word":"with","start":102.625,"end":102.865005,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14148224890232086},{"word":"government","start":102.865005,"end":103.185005,"confidence":0.99902344,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.12539871037006378},{"word":"legislation","start":103.185005,"end":103.685005,"confidence":1.0,"punctuated_word":"legislation","sentiment":"neutral","sentiment_score":0.09773027896881104},{"word":"changes","start":103.905,"end":104.305,"confidence":0.98876953,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.100151389837265},{"word":"the","start":104.305,"end":104.465004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13910797238349917},{"word":"markets","start":104.465004,"end":104.865005,"confidence":0.96533203,"punctuated_word":"markets,","sentiment":"neutral","sentiment_score":0.11485257744789124},{"word":"and","start":104.865005,"end":105.025,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15249919891357422},{"word":"all","start":105.025,"end":105.185005,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.19154885411262512},{"word":"the","start":105.185005,"end":105.425,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17693252861499786},{"word":"discussions","start":105.425,"end":105.825005,"confidence":0.9980469,"punctuated_word":"discussions","sentiment":"neutral","sentiment_score":0.13622738420963287},{"word":"i've","start":105.825005,"end":105.985,"confidence":0.99853516,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.16092881560325625},{"word":"had","start":105.985,"end":106.145004,"confidence":0.9667969,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.1952996551990509},{"word":"with","start":106.145004,"end":106.305,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18769888579845428},{"word":"dom","start":106.305,"end":106.545,"confidence":0.9604492,"punctuated_word":"Dom","sentiment":"neutral","sentiment_score":0.1368817687034607},{"word":"as","start":106.545,"end":106.705,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21687929332256317},{"word":"well","start":106.705,"end":107.205,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.22915630042552948},{"word":"just","start":107.345,"end":107.585,"confidence":0.5605469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23659704625606537},{"word":"to","start":107.585,"end":107.665,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22581851482391355},{"word":"make","start":107.665,"end":107.905,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.02960778959095478},{"word":"sure","start":107.905,"end":108.405,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.041320785880088806},{"word":"what","start":108.705,"end":108.945,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05773724988102913},{"word":"you've","start":108.945,"end":109.185005,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04110832139849663},{"word":"got","start":109.185005,"end":109.425,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.032711174339056015},{"word":"is","start":109.425,"end":109.665,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.060085199773311615},{"word":"as","start":109.665,"end":109.825005,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0883241668343544},{"word":"up","start":109.825005,"end":109.985,"confidence":0.9770508,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.06808026134967804},{"word":"to","start":109.985,"end":110.145004,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06706837564706802},{"word":"date","start":110.145004,"end":110.385,"confidence":0.9980469,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.07709311693906784},{"word":"as","start":110.385,"end":110.625,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0755983516573906},{"word":"can","start":110.625,"end":110.865005,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09560449421405792},{"word":"be","start":110.865005,"end":111.365005,"confidence":0.99658203,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":0.07639135420322418},{"word":"and","start":111.91,"end":112.41,"confidence":1.0,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.34432679414749146},{"word":"in","start":113.11,"end":113.43,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.25855809450149536},{"word":"addition","start":113.43,"end":113.75,"confidence":1.0,"punctuated_word":"addition","sentiment":"neutral","sentiment_score":0.19427573680877688},{"word":"to","start":113.75,"end":113.990005,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24450090527534485},{"word":"the","start":113.990005,"end":114.15,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27078306674957275},{"word":"soa","start":114.15,"end":114.65,"confidence":0.99576825,"punctuated_word":"SOA,","sentiment":"neutral","sentiment_score":0.1694781482219696},{"word":"you","start":115.11,"end":115.35,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13847002387046814},{"word":"also","start":115.35,"end":115.75,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1440516710281372},{"word":"have","start":115.75,"end":116.07,"confidence":0.91430664,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.14251521229743958},{"word":"like","start":116.07,"end":116.23,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.18030188977718353},{"word":"a","start":116.23,"end":116.47,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17392399907112122},{"word":"consent","start":116.47,"end":116.97,"confidence":1.0,"punctuated_word":"consent","sentiment":"neutral","sentiment_score":0.10222718119621275},{"word":"form","start":117.03,"end":117.51,"confidence":1.0,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.11291641741991044},{"word":"for","start":117.51,"end":117.83,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14475269615650177},{"word":"hub","start":117.83,"end":118.15,"confidence":0.55908203,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.12611135840415957},{"word":"24","start":118.15,"end":118.89,"confidence":0.9975586,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.17950496077537537},{"word":"and","start":119.03,"end":119.43,"confidence":0.8569336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10214439034461976},{"word":"also","start":119.43,"end":119.83,"confidence":0.9291992,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.09084243327379228},{"word":"just","start":119.83,"end":120.15,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1395912915468216},{"word":"product","start":120.15,"end":120.55,"confidence":1.0,"punctuated_word":"product","sentiment":"neutral","sentiment_score":0.08401388674974442},{"word":"documents","start":120.55,"end":121.05,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.08036384731531143},{"word":"for","start":121.270004,"end":121.51,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14837412536144257},{"word":"all","start":121.51,"end":121.67,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.17542514204978943},{"word":"the","start":121.67,"end":121.83,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10661175847053528},{"word":"providers","start":121.83,"end":122.310005,"confidence":0.98339844,"punctuated_word":"providers,","sentiment":"neutral","sentiment_score":0.08647546172142029},{"word":"which","start":122.310005,"end":122.55,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.1160597801208496},{"word":"unfortunately","start":122.55,"end":123.05,"confidence":0.75390625,"punctuated_word":"unfortunately","sentiment":"neutral","sentiment_score":-0.0877220630645752},{"word":"is","start":123.43,"end":123.590004,"confidence":0.8198242,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06259147822856903},{"word":"about","start":123.590004,"end":123.83,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.10331743955612184},{"word":"1,400","start":123.83,"end":124.55,"confidence":0.9995117,"punctuated_word":"1,400","sentiment":"neutral","sentiment_score":-0.0843810960650444},{"word":"pages","start":124.55,"end":124.950005,"confidence":0.91967773,"punctuated_word":"pages.","sentiment":"neutral","sentiment_score":-0.20213326811790464},{"word":"so","start":124.950005,"end":125.19,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06633962690830231},{"word":"these","start":125.19,"end":125.43,"confidence":0.9863281,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.005848366767168045},{"word":"are","start":125.43,"end":125.51,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.001383151859045029},{"word":"just","start":125.51,"end":125.75,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.01017819344997406},{"word":"for","start":125.75,"end":125.83,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0176088884472847},{"word":"your","start":125.83,"end":126.07,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.045014552772045135},{"word":"records","start":126.07,"end":126.555,"confidence":0.99902344,"punctuated_word":"records.","sentiment":"neutral","sentiment_score":-0.035187434405088425},{"word":"yeah","start":128.475,"end":128.715,"confidence":0.86743164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2120361328125},{"word":"so","start":128.715,"end":128.875,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19963225722312927},{"word":"you","start":128.875,"end":129.035,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2214520275592804},{"word":"don't","start":129.035,"end":129.195,"confidence":0.96875,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.19729435443878177},{"word":"have","start":129.195,"end":129.275,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14989182353019714},{"word":"to","start":129.275,"end":129.355,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15123160183429718},{"word":"read","start":129.355,"end":129.515,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.1539614051580429},{"word":"through","start":129.515,"end":129.675,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.16016210615634918},{"word":"them","start":129.675,"end":129.915,"confidence":0.982666,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.15634635090827942},{"word":"they","start":129.915,"end":129.995,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.16844713687896729},{"word":"are","start":129.995,"end":130.235,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.17086462676525116},{"word":"skippable","start":130.235,"end":130.735,"confidence":0.9805908,"punctuated_word":"skippable,","sentiment":"neutral","sentiment_score":0.1926744282245636},{"word":"but","start":131.115,"end":131.275,"confidence":0.5151367,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2529483139514923},{"word":"it","start":131.275,"end":131.355,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.36270812153816223},{"word":"will","start":131.355,"end":131.595,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2454655021429062},{"word":"give","start":131.595,"end":131.755,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.240690216422081},{"word":"you","start":131.755,"end":131.915,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18578247725963593},{"word":"a","start":131.915,"end":132.075,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24104176461696625},{"word":"copy","start":132.075,"end":132.575,"confidence":1.0,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.2502295970916748},{"word":"as","start":132.635,"end":132.795,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2584872245788574},{"word":"well","start":132.795,"end":133.295,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.22775129973888397},{"word":"perfect","start":134.715,"end":135.035,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5543718934059143},{"word":"now","start":135.035,"end":135.355,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.22831261157989505},{"word":"if","start":135.355,"end":135.435,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17384399473667145},{"word":"you","start":135.435,"end":135.595,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15361414849758148},{"word":"have","start":135.595,"end":135.755,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11128296703100204},{"word":"a","start":135.755,"end":135.835,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11694949120283128},{"word":"little","start":135.835,"end":136.155,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.10736311227083206},{"word":"scroll","start":136.155,"end":136.395,"confidence":0.96777344,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.11656157672405244},{"word":"through","start":136.395,"end":136.715,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.17600016295909882},{"word":"to","start":136.715,"end":136.875,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14122089743614197},{"word":"me","start":136.875,"end":137.375,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.13406649231910706},{"word":"on","start":137.435,"end":137.595,"confidence":0.96777344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11481563746929167},{"word":"pages","start":137.595,"end":138.095,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.1012655943632126},{"word":"four","start":138.96,"end":139.44,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.09057001769542694},{"word":"and","start":139.44,"end":139.92001,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0726599395275116},{"word":"five","start":139.92001,"end":140.42001,"confidence":0.9741211,"punctuated_word":"five,","sentiment":"neutral","sentiment_score":0.11759916692972185},{"word":"it'll","start":141.04001,"end":141.28001,"confidence":0.9814453,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.10677987337112428},{"word":"be","start":141.28001,"end":141.52,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08351235091686249},{"word":"three","start":141.52,"end":141.76001,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.07321479171514511},{"word":"on","start":141.76001,"end":141.92001,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08150190114974976},{"word":"the","start":141.92001,"end":142.0,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11089535057544708},{"word":"bottom","start":142.0,"end":142.32,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.13621576130390167},{"word":"of","start":142.32,"end":142.40001,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11449266970157625},{"word":"the","start":142.40001,"end":142.56001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10547447949647903},{"word":"document","start":142.56001,"end":143.06001,"confidence":0.9797363,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.10922089964151382},{"word":"four","start":143.20001,"end":143.52,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.08712366968393326},{"word":"on","start":143.52,"end":143.92001,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09391827136278152},{"word":"the","start":143.92001,"end":144.16,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1114538162946701},{"word":"odoo","start":144.16,"end":144.64,"confidence":0.99365234,"punctuated_word":"Odoo","sentiment":"neutral","sentiment_score":0.1098414808511734},{"word":"system","start":144.64,"end":145.14,"confidence":0.82055664,"punctuated_word":"system.","sentiment":"neutral","sentiment_score":0.10281702131032944},{"word":"you'll","start":145.52,"end":145.84001,"confidence":0.89990234,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.0993972271680832},{"word":"see","start":145.84001,"end":146.08,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09849950671195984},{"word":"a","start":146.08,"end":146.24,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0778137594461441},{"word":"scope","start":146.24,"end":146.56001,"confidence":1.0,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":0.06688101589679718},{"word":"of","start":146.56001,"end":146.8,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08965399116277695},{"word":"advice","start":146.8,"end":147.3,"confidence":0.99853516,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.08940045535564423},{"word":"so","start":151.13501,"end":151.455,"confidence":0.984375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05120399966835976},{"word":"what","start":151.455,"end":151.77501,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06514764577150345},{"word":"this","start":151.77501,"end":152.095,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.05772329866886139},{"word":"document","start":152.095,"end":152.57501,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.06263008713722229},{"word":"covers","start":152.57501,"end":152.975,"confidence":0.99902344,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":0.058994267135858536},{"word":"essentially","start":152.975,"end":153.475,"confidence":0.7792969,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.07140368223190308},{"word":"is","start":153.695,"end":153.85501,"confidence":0.9873047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07165078073740005},{"word":"a","start":153.85501,"end":153.93501,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09323018789291382},{"word":"review","start":153.93501,"end":154.255,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.08339744806289673},{"word":"of","start":154.255,"end":154.335,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0874738022685051},{"word":"the","start":154.335,"end":154.49501,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10913238674402236},{"word":"superannuation","start":154.49501,"end":154.99501,"confidence":0.87609863,"punctuated_word":"superannuation,","sentiment":"neutral","sentiment_score":0.12736031413078308},{"word":"and","start":155.77501,"end":156.095,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13189347088336945},{"word":"your","start":156.095,"end":156.49501,"confidence":0.9472656,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12075595557689668},{"word":"sort","start":156.49501,"end":156.655,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12067299336194992},{"word":"of","start":156.655,"end":156.895,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13504260778427124},{"word":"northern","start":156.895,"end":157.375,"confidence":0.79248047,"punctuated_word":"Northern","sentiment":"neutral","sentiment_score":0.1604427993297577},{"word":"star","start":157.375,"end":157.77501,"confidence":0.97998047,"punctuated_word":"Star","sentiment":"neutral","sentiment_score":0.09841667115688324},{"word":"guiding","start":157.77501,"end":158.175,"confidence":0.9970703,"punctuated_word":"guiding","sentiment":"neutral","sentiment_score":0.17826353013515472},{"word":"goal","start":158.175,"end":158.675,"confidence":1.0,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.1315765380859375},{"word":"is","start":158.735,"end":158.975,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1549912840127945},{"word":"a","start":158.975,"end":159.05501,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18303987383842468},{"word":"bit","start":159.05501,"end":159.13501,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.22142651677131653},{"word":"of","start":159.13501,"end":159.29501,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18564164638519287},{"word":"a","start":159.29501,"end":159.375,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1749180108308792},{"word":"joint","start":159.375,"end":159.875,"confidence":0.99902344,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":0.1745290905237198},{"word":"early","start":160.095,"end":160.41501,"confidence":0.9902344,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.1495882272720337},{"word":"retirement","start":160.41501,"end":160.91501,"confidence":0.99902344,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.13167212903499603},{"word":"for","start":160.975,"end":161.13501,"confidence":0.94628906,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1601928174495697},{"word":"you","start":161.13501,"end":161.29501,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15342532098293304},{"word":"guys","start":161.29501,"end":161.77501,"confidence":0.99560547,"punctuated_word":"guys.","sentiment":"neutral","sentiment_score":0.14375028014183044},{"word":"so","start":161.77501,"end":162.095,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08672846853733063},{"word":"as","start":162.095,"end":162.335,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10800930857658386},{"word":"we","start":162.335,"end":162.815,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10132994502782822},{"word":"refine","start":162.815,"end":163.21501,"confidence":0.99121094,"punctuated_word":"refine","sentiment":"neutral","sentiment_score":0.1049393117427826},{"word":"things","start":163.21501,"end":163.535,"confidence":0.9921875,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1109473705291748},{"word":"over","start":163.535,"end":163.54732,"confidence":0.9921875,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.14339129626750946},{"word":"time","start":163.54732,"end":163.55962,"confidence":0.9921875,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.12572243809700012},{"word":"we'll","start":163.55962,"end":163.57193,"confidence":0.99609375,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1114097535610199},{"word":"continually","start":163.57193,"end":163.58423,"confidence":0.99902344,"punctuated_word":"continually","sentiment":"neutral","sentiment_score":0.1067000776529312},{"word":"sort","start":163.58423,"end":163.59654,"confidence":0.98828125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1204421892762184},{"word":"of","start":163.59654,"end":163.60886,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12689144909381866},{"word":"reanalyze","start":163.60886,"end":163.62115,"confidence":0.99104816,"punctuated_word":"reanalyze","sentiment":"neutral","sentiment_score":0.1276811957359314},{"word":"how","start":163.62115,"end":163.63347,"confidence":0.9394531,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.12246685475111008},{"word":"you're","start":163.63347,"end":163.64578,"confidence":0.9562988,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.14158588647842407},{"word":"tracking","start":163.64578,"end":163.65808,"confidence":0.91015625,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.16051055490970612},{"word":"for","start":163.65808,"end":163.6704,"confidence":0.5883789,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1677941381931305},{"word":"that","start":163.6704,"end":163.6827,"confidence":0.82958984,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1803797036409378},{"word":"ultimate","start":163.6827,"end":163.695,"confidence":0.8408203,"punctuated_word":"ultimate","sentiment":"neutral","sentiment_score":0.1425958275794983},{"word":"retirement","start":163.695,"end":164.195,"confidence":0.8251953,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.1898917555809021},{"word":"goal","start":166.095,"end":166.595,"confidence":0.9008789,"punctuated_word":"goal.","sentiment":"neutral","sentiment_score":0.12153372168540956},{"word":"portfolios","start":174.06999,"end":174.56999,"confidence":0.7364502,"punctuated_word":"Portfolios,","sentiment":"neutral","sentiment_score":0.04909441992640495},{"word":"weren't","start":175.11,"end":175.43,"confidence":0.9926758,"punctuated_word":"weren't","sentiment":"neutral","sentiment_score":0.011128930374979973},{"word":"doing","start":175.43,"end":175.75,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.017169754952192307},{"word":"anything","start":175.75,"end":176.23,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.005812488496303558},{"word":"crazy","start":176.23,"end":176.62999,"confidence":1.0,"punctuated_word":"crazy","sentiment":"neutral","sentiment_score":0.003369830548763275},{"word":"in","start":176.62999,"end":176.79,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.00686606764793396},{"word":"terms","start":176.79,"end":177.29,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.009698271751403809},{"word":"of","start":177.75,"end":177.91,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.024573426693677906},{"word":"additional","start":177.91,"end":178.39,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.019374549388885495},{"word":"contributions","start":178.39,"end":178.89,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.03218221291899681},{"word":"or","start":179.88501,"end":180.045,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.012480340898036957},{"word":"anything","start":180.045,"end":180.52501,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.024439215660095215},{"word":"like","start":180.52501,"end":180.765,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.011481031775474548},{"word":"that","start":180.765,"end":181.085,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02360723912715912},{"word":"right","start":181.085,"end":181.325,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.017012350261211395},{"word":"now","start":181.325,"end":181.825,"confidence":0.8911133,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.03251238912343979},{"word":"and","start":182.125,"end":182.625,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02368310838937759},{"word":"we","start":183.245,"end":183.645,"confidence":0.8647461,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.025718390941619873},{"word":"have","start":183.645,"end":183.76501,"confidence":0.99316406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.024002250283956528},{"word":"a","start":183.76501,"end":183.88501,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025851476937532425},{"word":"bit","start":183.88501,"end":184.125,"confidence":0.9819336,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.023525159806013107},{"word":"of","start":184.125,"end":184.285,"confidence":0.9770508,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011178400367498398},{"word":"reminder","start":184.285,"end":184.765,"confidence":0.91845703,"punctuated_word":"reminder","sentiment":"neutral","sentiment_score":0.02019159123301506},{"word":"in","start":184.765,"end":184.925,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.025892596691846848},{"word":"there","start":184.925,"end":185.16501,"confidence":0.8886719,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.035447172820568085},{"word":"in","start":185.16501,"end":185.325,"confidence":0.94921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02388422191143036},{"word":"terms","start":185.325,"end":185.645,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.03604789078235626},{"word":"of","start":185.645,"end":185.80501,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03610368072986603},{"word":"estate","start":185.80501,"end":186.125,"confidence":0.8100586,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.030703213065862656},{"word":"planning","start":186.125,"end":186.625,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.03826756775379181},{"word":"just","start":186.685,"end":186.925,"confidence":0.9013672,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03272799029946327},{"word":"to","start":186.925,"end":187.085,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.036686401814222336},{"word":"make","start":187.085,"end":187.16501,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.04555170238018036},{"word":"sure","start":187.16501,"end":187.405,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.05283999443054199},{"word":"we've","start":187.405,"end":187.645,"confidence":0.99902344,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.04677053540945053},{"word":"got","start":187.645,"end":187.80501,"confidence":0.99902344,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.04431816190481186},{"word":"you","start":187.80501,"end":187.965,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.043673913925886154},{"word":"know","start":187.965,"end":188.125,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.04555501043796539},{"word":"a","start":188.125,"end":188.365,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.051801539957523346},{"word":"will","start":188.365,"end":188.685,"confidence":0.984375,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.04177313297986984},{"word":"power","start":188.685,"end":188.925,"confidence":0.83740234,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.05000748485326767},{"word":"of","start":188.925,"end":189.085,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04210780933499336},{"word":"attorney","start":189.085,"end":189.485,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.030436459928750992},{"word":"in","start":189.485,"end":189.645,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04030974954366684},{"word":"place","start":189.645,"end":190.125,"confidence":0.9995117,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.03698090463876724},{"word":"i","start":190.125,"end":190.285,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01356632634997368},{"word":"believe","start":190.285,"end":190.52501,"confidence":1.0,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":0.003113994374871254},{"word":"you","start":190.52501,"end":190.685,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.001577574759721756},{"word":"guys","start":190.685,"end":190.925,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.0073830746114254},{"word":"had","start":190.925,"end":191.085,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.006665125489234924},{"word":"some","start":191.085,"end":191.245,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.012561259791254996},{"word":"will","start":191.245,"end":191.485,"confidence":0.9873047,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0015095509588718414},{"word":"kits","start":191.485,"end":191.80501,"confidence":0.9980469,"punctuated_word":"kits","sentiment":"neutral","sentiment_score":-0.003843743354082107},{"word":"previously","start":191.80501,"end":192.30501,"confidence":0.9279785,"punctuated_word":"previously.","sentiment":"neutral","sentiment_score":-0.0023667411878705025},{"word":"not","start":192.445,"end":192.605,"confidence":0.83935547,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.01909453421831131},{"word":"sure","start":192.605,"end":192.845,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.01902235485613346},{"word":"if","start":192.845,"end":193.005,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.020694436505436897},{"word":"you","start":193.005,"end":193.16501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.024701371788978577},{"word":"guys","start":193.16501,"end":193.66501,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.022032644599676132},{"word":"finalized","start":193.725,"end":194.225,"confidence":0.5239258,"punctuated_word":"finalized","sentiment":"neutral","sentiment_score":-0.01521883439272642},{"word":"those","start":194.285,"end":194.64,"confidence":0.9975586,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":-0.08205331116914749},{"word":"that's","start":197.12,"end":197.36,"confidence":0.986084,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07008620351552963},{"word":"okay","start":197.36,"end":197.6,"confidence":0.9650879,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.09497395902872086},{"word":"it's","start":197.6,"end":197.76,"confidence":0.87280273,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1352962851524353},{"word":"always","start":197.76,"end":198.0,"confidence":0.99316406,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.12120525538921356},{"word":"the","start":198.0,"end":198.08,"confidence":0.53515625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0908455327153206},{"word":"way","start":198.08,"end":198.48,"confidence":0.90771484,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.12760275602340698},{"word":"and","start":198.48,"end":198.72,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1603030264377594},{"word":"it","start":198.72,"end":198.88,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13736075162887573},{"word":"is","start":198.88,"end":199.04,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0989571213722229},{"word":"just","start":199.04,"end":199.28,"confidence":0.9741211,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10341446101665495},{"word":"our","start":199.28,"end":199.68,"confidence":0.94189453,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.07358379662036896},{"word":"our","start":199.68,"end":199.92,"confidence":0.97314453,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.08738204836845398},{"word":"reminder","start":199.92,"end":200.42,"confidence":0.9975586,"punctuated_word":"reminder.","sentiment":"neutral","sentiment_score":0.06309899687767029},{"word":"on","start":203.6,"end":203.76,"confidence":0.8120117,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.047228410840034485},{"word":"the","start":203.76,"end":203.92,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.038252703845500946},{"word":"next","start":203.92,"end":204.16,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.036635614931583405},{"word":"page","start":204.16,"end":204.56,"confidence":0.9875488,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.03013373911380768},{"word":"limited","start":204.56,"end":205.04,"confidence":0.99902344,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":0.005087271332740784},{"word":"scope","start":205.04,"end":205.36,"confidence":0.8952637,"punctuated_word":"scope.","sentiment":"neutral","sentiment_score":-0.005006088875234127},{"word":"we","start":205.36,"end":205.6,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.018438946455717087},{"word":"weren't","start":205.6,"end":205.92,"confidence":0.9995117,"punctuated_word":"weren't","sentiment":"neutral","sentiment_score":-0.031988855451345444},{"word":"doing","start":205.92,"end":206.31999,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.04043035954236984},{"word":"any","start":206.31999,"end":206.8,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.052062131464481354},{"word":"insurance","start":206.8,"end":207.3,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.03705592453479767},{"word":"advice","start":207.52,"end":208.02,"confidence":0.9941406,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.05548270046710968},{"word":"because","start":208.08,"end":208.4,"confidence":0.94628906,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0671246275305748},{"word":"of","start":208.4,"end":208.9,"confidence":0.6816406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06625966727733612},{"word":"health","start":209.065,"end":209.305,"confidence":0.9160156,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.05747716501355171},{"word":"concerns","start":209.305,"end":209.785,"confidence":0.9523926,"punctuated_word":"concerns.","sentiment":"neutral","sentiment_score":-0.04488275200128555},{"word":"we're","start":209.785,"end":210.025,"confidence":0.97753906,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.006049923598766327},{"word":"just","start":210.025,"end":210.185,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01471981406211853},{"word":"keeping","start":210.185,"end":210.505,"confidence":1.0,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.010453887283802032},{"word":"your","start":210.505,"end":210.745,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.003117956221103668},{"word":"rest","start":210.745,"end":211.065,"confidence":0.98535156,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.008635461330413818},{"word":"cover","start":211.065,"end":211.305,"confidence":0.9873047,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.02361973002552986},{"word":"in","start":211.305,"end":211.465,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03161773458123207},{"word":"place","start":211.465,"end":211.965,"confidence":0.7861328,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.03701000660657883},{"word":"but","start":212.505,"end":212.745,"confidence":0.68408203,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.043070387095212936},{"word":"this","start":212.745,"end":212.905,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.03313788026571274},{"word":"does","start":212.905,"end":213.225,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.02512754499912262},{"word":"factor","start":213.225,"end":213.545,"confidence":1.0,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.028787098824977875},{"word":"in","start":213.545,"end":213.705,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04338745400309563},{"word":"the","start":213.705,"end":213.865,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029350467026233673},{"word":"premiums","start":213.865,"end":214.365,"confidence":0.99902344,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.02567763440310955},{"word":"and","start":214.425,"end":214.58499,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03175768256187439},{"word":"the","start":214.58499,"end":214.745,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04884147271513939},{"word":"impact","start":214.745,"end":215.065,"confidence":0.99902344,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":0.0650022029876709},{"word":"that","start":215.065,"end":215.225,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05183478072285652},{"word":"they","start":215.225,"end":215.385,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.0222836509346962},{"word":"do","start":215.385,"end":215.625,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0145748108625412},{"word":"have","start":215.625,"end":215.785,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.005394361913204193},{"word":"on","start":215.785,"end":215.94499,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03680804371833801},{"word":"the","start":215.94499,"end":216.105,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02672858908772469},{"word":"super","start":216.105,"end":216.605,"confidence":0.97558594,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.07260818034410477},{"word":"cool","start":218.425,"end":218.925,"confidence":0.87060547,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.28063124418258667},{"word":"in","start":219.225,"end":219.385,"confidence":0.9291992,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.13572603464126587},{"word":"terms","start":219.385,"end":219.625,"confidence":0.99902344,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.13150286674499512},{"word":"of","start":219.625,"end":219.785,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14238299429416656},{"word":"the","start":219.785,"end":219.94499,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14923560619354248},{"word":"other","start":219.94499,"end":220.185,"confidence":0.99609375,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1588948220014572},{"word":"goals","start":220.185,"end":220.58499,"confidence":0.96240234,"punctuated_word":"goals,","sentiment":"neutral","sentiment_score":0.1086268275976181},{"word":"we've","start":220.58499,"end":220.825,"confidence":0.9980469,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.15116289258003235},{"word":"got","start":220.825,"end":221.065,"confidence":0.9921875,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.172088623046875},{"word":"your","start":221.065,"end":221.465,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1658753752708435},{"word":"cash","start":221.465,"end":221.785,"confidence":0.98828125,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.1739673763513565},{"word":"flow","start":221.785,"end":222.285,"confidence":0.9267578,"punctuated_word":"flow,","sentiment":"neutral","sentiment_score":0.15155576169490814},{"word":"debt","start":222.345,"end":222.58499,"confidence":0.98095703,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.20867615938186648},{"word":"management","start":222.58499,"end":222.609,"confidence":0.89404297,"punctuated_word":"management,","sentiment":"neutral","sentiment_score":0.13775372505187988},{"word":"investment","start":222.609,"end":222.633,"confidence":0.9404297,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.14489930868148804},{"word":"goals","start":222.633,"end":222.657,"confidence":0.76123047,"punctuated_word":"goals,","sentiment":"neutral","sentiment_score":0.13222122192382812},{"word":"and","start":222.657,"end":222.681,"confidence":0.79003906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1666855663061142},{"word":"everything","start":222.681,"end":222.70499,"confidence":0.66845703,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.17640046775341034},{"word":"listed","start":222.70499,"end":222.72899,"confidence":0.92749023,"punctuated_word":"listed.","sentiment":"neutral","sentiment_score":0.15121576189994812},{"word":"you've","start":222.72899,"end":222.75299,"confidence":0.857666,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.16499869525432587},{"word":"got","start":222.75299,"end":222.777,"confidence":0.9086914,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1723034679889679},{"word":"beneficiaries","start":222.777,"end":222.801,"confidence":0.5004883,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.17572887241840365},{"word":"in","start":222.801,"end":222.825,"confidence":0.8598633,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18732194602489471},{"word":"place","start":222.825,"end":223.075,"confidence":0.83618164,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.2044717967510223},{"word":"that's","start":223.075,"end":223.575,"confidence":0.89941406,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.18324413895606995},{"word":"goals","start":224.79,"end":225.29,"confidence":0.68188477,"punctuated_word":"goals,","sentiment":"neutral","sentiment_score":0.18009111285209656},{"word":"and","start":225.43,"end":225.51,"confidence":0.8076172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20507830381393433},{"word":"everything","start":225.51,"end":226.01,"confidence":0.65722656,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2180990129709244},{"word":"listed","start":226.06999,"end":226.25665,"confidence":0.92626953,"punctuated_word":"listed.","sentiment":"neutral","sentiment_score":0.19162365794181824},{"word":"you've","start":226.25665,"end":226.44333,"confidence":0.7211914,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.22203904390335083},{"word":"got","start":226.44333,"end":226.62999,"confidence":0.8647461,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.23604989051818848},{"word":"beneficiaries","start":226.62999,"end":226.87,"confidence":0.5600586,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.2247079610824585},{"word":"in","start":226.87,"end":227.37,"confidence":0.93359375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.27087700366973877},{"word":"place","start":227.59,"end":227.63,"confidence":0.8457031,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.2853410840034485},{"word":"that's","start":227.63,"end":227.67,"confidence":0.8725586,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.48204752802848816},{"word":"great","start":227.67,"end":228.17,"confidence":0.85058594,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.4786732494831085},{"word":"essentially","start":228.95,"end":229.15,"confidence":0.8405762,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.22991913557052612},{"word":"you","start":229.15,"end":229.34999,"confidence":0.9301758,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27410441637039185},{"word":"guys","start":229.34999,"end":229.59,"confidence":0.93359375,"punctuated_word":"guys","sentiment":"positive","sentiment_score":0.339541494846344},{"word":"are","start":229.59,"end":229.67,"confidence":0.90527344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2286413013935089},{"word":"comfortable","start":229.67,"end":230.17,"confidence":0.82910156,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.2003817856311798},{"word":"managing","start":230.79,"end":231.11,"confidence":0.87158203,"punctuated_word":"managing","sentiment":"neutral","sentiment_score":0.2798458933830261},{"word":"your","start":231.11,"end":231.61,"confidence":0.9526367,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2975705564022064},{"word":"your","start":232.06999,"end":232.23,"confidence":0.8095703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2687232494354248},{"word":"personal","start":232.23,"end":232.73,"confidence":0.90478516,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.31083500385284424},{"word":"goals","start":232.87,"end":233.11,"confidence":0.93408203,"punctuated_word":"goals,","sentiment":"neutral","sentiment_score":0.2419167160987854},{"word":"which","start":233.11,"end":233.26999,"confidence":0.79003906,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.27144744992256165},{"word":"is","start":233.26999,"end":233.43,"confidence":0.97314453,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1855412125587463},{"word":"obviously","start":233.43,"end":233.91,"confidence":0.83154297,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.18132302165031433},{"word":"you","start":233.91,"end":234.06999,"confidence":0.9453125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2889512777328491},{"word":"know","start":234.06999,"end":234.15,"confidence":0.9951172,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.378958523273468},{"word":"holiday","start":234.15,"end":234.47,"confidence":0.9633789,"punctuated_word":"holiday","sentiment":"positive","sentiment_score":0.6546631455421448},{"word":"savings","start":234.47,"end":234.97,"confidence":0.97021484,"punctuated_word":"savings,","sentiment":"neutral","sentiment_score":0.10315382480621338},{"word":"debt","start":235.26999,"end":235.51,"confidence":0.81152344,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.16250470280647278},{"word":"repayments","start":235.51,"end":236.01,"confidence":0.95166016,"punctuated_word":"repayments,","sentiment":"neutral","sentiment_score":0.12190109491348268},{"word":"mortgages","start":236.595,"end":237.075,"confidence":0.94628906,"punctuated_word":"mortgages,","sentiment":"neutral","sentiment_score":0.07657533884048462},{"word":"and","start":237.075,"end":237.315,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0422980822622776},{"word":"so","start":237.315,"end":237.815,"confidence":0.99316406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08187540620565414},{"word":"on","start":238.19499,"end":238.435,"confidence":0.75756836,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.07210980355739594},{"word":"that's","start":238.435,"end":238.675,"confidence":0.9379883,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.22008764743804932},{"word":"not","start":238.675,"end":238.915,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.18268468976020813},{"word":"covered","start":238.915,"end":239.235,"confidence":0.9980469,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":-0.15421269834041595},{"word":"in","start":239.235,"end":239.39499,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2232588827610016},{"word":"this","start":239.39499,"end":239.635,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.2352161854505539},{"word":"document","start":239.635,"end":240.135,"confidence":0.99853516,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":-0.2188750058412552},{"word":"cool","start":242.11499,"end":242.595,"confidence":0.90356445,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.3519640862941742},{"word":"and","start":242.595,"end":242.83499,"confidence":0.91845703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07244047522544861},{"word":"just","start":242.83499,"end":242.995,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04618493467569351},{"word":"out","start":242.995,"end":243.155,"confidence":0.9873047,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.02410930022597313},{"word":"of","start":243.155,"end":243.235,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.021806750446558},{"word":"curiosity","start":243.235,"end":243.735,"confidence":0.99365234,"punctuated_word":"curiosity,","sentiment":"neutral","sentiment_score":0.02671506255865097},{"word":"are","start":243.795,"end":243.875,"confidence":0.7597656,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0066391658037900925},{"word":"you","start":243.875,"end":243.955,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.008976781740784645},{"word":"guys","start":243.955,"end":244.275,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.0009396858513355256},{"word":"still","start":244.275,"end":244.515,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.00250975601375103},{"word":"planning","start":244.515,"end":245.015,"confidence":0.9970703,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.02198809944093227},{"word":"after","start":245.155,"end":245.39499,"confidence":0.8491211,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.011260153725743294},{"word":"you","start":245.39499,"end":245.555,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016783788800239563},{"word":"pay","start":245.555,"end":245.715,"confidence":0.95166016,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.022675778716802597},{"word":"down","start":245.715,"end":245.875,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.03395744413137436},{"word":"the","start":245.875,"end":246.03499,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03913400322198868},{"word":"mortgage","start":246.03499,"end":246.355,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.03313136100769043},{"word":"to","start":246.355,"end":246.515,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027076760306954384},{"word":"look","start":246.515,"end":246.67499,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03502614051103592},{"word":"towards","start":246.67499,"end":247.075,"confidence":0.98828125,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.07535919547080994},{"word":"investment","start":247.075,"end":247.555,"confidence":0.98828125,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.043884482234716415},{"word":"properties","start":247.555,"end":248.03499,"confidence":0.9824219,"punctuated_word":"properties?","sentiment":"neutral","sentiment_score":0.016263898462057114},{"word":"is","start":248.03499,"end":248.37,"confidence":0.97509766,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.013707396574318407},{"word":"kind","start":248.37,"end":248.61,"confidence":0.99902344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.009160980582237244},{"word":"of","start":248.61,"end":248.84999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009529367089271544},{"word":"a","start":248.84999,"end":248.97,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0026891501620411873},{"word":"a","start":248.97,"end":249.09,"confidence":0.9135742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0026502572000026703},{"word":"long","start":249.09,"end":249.48999,"confidence":0.85546875,"punctuated_word":"long,","sentiment":"neutral","sentiment_score":0.002045193687081337},{"word":"long","start":249.48999,"end":249.81,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.012988248839974403},{"word":"term","start":249.81,"end":250.12999,"confidence":0.9980469,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.018400494009256363},{"word":"thing","start":250.12999,"end":250.62999,"confidence":0.9338379,"punctuated_word":"thing?","sentiment":"neutral","sentiment_score":0.020500630140304565},{"word":"or","start":250.84999,"end":251.34999,"confidence":0.9941406,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.0077934060245752335},{"word":"yeah","start":256.21,"end":256.61,"confidence":0.79956055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08016403019428253},{"word":"absolutely","start":256.61,"end":257.11,"confidence":0.6894531,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.3125789761543274},{"word":"perfect","start":258.13,"end":258.63,"confidence":0.9970703,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5732544660568237},{"word":"i've","start":259.16998,"end":259.41,"confidence":0.9421387,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.32439202070236206},{"word":"essentially","start":259.41,"end":259.81,"confidence":0.97802734,"punctuated_word":"essentially","sentiment":"positive","sentiment_score":0.3349992036819458},{"word":"put","start":259.81,"end":260.05,"confidence":1.0,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.38051971793174744},{"word":"down","start":260.05,"end":260.29,"confidence":1.0,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.3699225187301636},{"word":"some","start":260.29,"end":260.44998,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.28203049302101135},{"word":"priorities","start":260.44998,"end":260.94998,"confidence":1.0,"punctuated_word":"priorities","sentiment":"neutral","sentiment_score":0.19208893179893496},{"word":"there","start":261.01,"end":261.25,"confidence":0.9604492,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.34822970628738403},{"word":"just","start":261.25,"end":261.49,"confidence":0.7866211,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3052140176296234},{"word":"saying","start":261.49,"end":261.81,"confidence":1.0,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.2842409312725067},{"word":"that","start":261.81,"end":262.125,"confidence":0.97631836,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.20951271057128903},{"word":"you","start":262.125,"end":262.285,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15582776069641113},{"word":"know","start":262.285,"end":262.365,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2305353879928589},{"word":"you're","start":262.365,"end":262.605,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2520105540752411},{"word":"doing","start":262.605,"end":262.845,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.3257635831832886},{"word":"some","start":262.845,"end":263.085,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2918800711631775},{"word":"savings","start":263.085,"end":263.405,"confidence":0.75683594,"punctuated_word":"savings.","sentiment":"neutral","sentiment_score":0.219231516122818},{"word":"you're","start":263.405,"end":263.565,"confidence":0.99316406,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.15612201392650604},{"word":"paying","start":263.565,"end":263.805,"confidence":0.9980469,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.17950400710105896},{"word":"down","start":263.805,"end":263.965,"confidence":0.7949219,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.16448351740837097},{"word":"your","start":263.965,"end":264.125,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19487449526786804},{"word":"mortgage","start":264.125,"end":264.525,"confidence":0.9785156,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":0.16196148097515106},{"word":"the","start":264.525,"end":264.685,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.11759009212255478},{"word":"properties","start":264.685,"end":265.085,"confidence":0.96533203,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":0.09685195982456209},{"word":"are","start":265.085,"end":265.165,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16198338568210602},{"word":"probably","start":265.165,"end":265.485,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.2109171003103256},{"word":"your","start":265.485,"end":265.645,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14967019855976105},{"word":"third","start":265.645,"end":265.965,"confidence":1.0,"punctuated_word":"third","sentiment":"neutral","sentiment_score":0.1350443959236145},{"word":"priority","start":265.965,"end":266.465,"confidence":0.96118164,"punctuated_word":"priority,","sentiment":"neutral","sentiment_score":0.13245710730552673},{"word":"and","start":266.845,"end":267.005,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03800270706415176},{"word":"then","start":267.005,"end":267.505,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06926834583282471},{"word":"everything","start":267.645,"end":268.045,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.08003192394971848},{"word":"else","start":268.045,"end":268.285,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.0804978609085083},{"word":"comes","start":268.285,"end":268.525,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.07007518410682678},{"word":"after","start":268.525,"end":268.845,"confidence":0.9970703,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.0699882060289383},{"word":"that","start":268.845,"end":269.345,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1193634569644928},{"word":"perfect","start":271.245,"end":271.745,"confidence":0.9975586,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4048549830913544},{"word":"if","start":272.045,"end":272.205,"confidence":0.984375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.09141434729099274},{"word":"you","start":272.205,"end":272.365,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02650151401758194},{"word":"scroll","start":272.365,"end":272.685,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.023073814809322357},{"word":"through","start":272.685,"end":272.925,"confidence":0.9995117,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.030014172196388245},{"word":"you'll","start":272.925,"end":273.085,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":-0.02539587020874023},{"word":"see","start":273.085,"end":273.245,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.00960015505552292},{"word":"a","start":273.245,"end":273.405,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02885827049612999},{"word":"red","start":273.405,"end":273.565,"confidence":1.0,"punctuated_word":"red","sentiment":"neutral","sentiment_score":-0.06132260710000992},{"word":"heading","start":273.565,"end":273.885,"confidence":0.9941406,"punctuated_word":"heading","sentiment":"neutral","sentiment_score":-0.07920103520154953},{"word":"for","start":273.885,"end":274.045,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1007486879825592},{"word":"limited","start":274.045,"end":274.525,"confidence":0.99902344,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":-0.11440674960613252},{"word":"advice","start":274.525,"end":274.925,"confidence":0.9838867,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.151417538523674},{"word":"warning","start":274.925,"end":275.425,"confidence":0.9980469,"punctuated_word":"warning","sentiment":"neutral","sentiment_score":-0.1548100858926773},{"word":"saying","start":275.66998,"end":275.91,"confidence":1.0,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.10704199969768524},{"word":"exactly","start":275.91,"end":276.31,"confidence":0.99902344,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":-0.08598364889621735},{"word":"that","start":276.31,"end":276.63,"confidence":0.9433594,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.11624272912740707},{"word":"it's","start":276.63,"end":276.78998,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.2899492383003235},{"word":"not","start":276.78998,"end":276.94998,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.20135940611362457},{"word":"covering","start":276.94998,"end":277.35,"confidence":1.0,"punctuated_word":"covering","sentiment":"neutral","sentiment_score":-0.23049741983413696},{"word":"everything","start":277.35,"end":277.85,"confidence":0.8515625,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":-0.20972329378128052},{"word":"and","start":277.99,"end":278.22998,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1597214937210083},{"word":"if","start":278.22998,"end":278.47,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.17543211579322815},{"word":"the","start":278.47,"end":278.63,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2120136320590973},{"word":"information","start":278.63,"end":279.13,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":-0.25337809324264526},{"word":"isn't","start":279.19,"end":279.50998,"confidence":0.9753418,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.19152317941188812},{"word":"accurate","start":279.50998,"end":280.00998,"confidence":0.99560547,"punctuated_word":"accurate,","sentiment":"neutral","sentiment_score":-0.22116610407829285},{"word":"that","start":280.15,"end":280.38998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15865911543369293},{"word":"impacts","start":280.38998,"end":280.78998,"confidence":0.99902344,"punctuated_word":"impacts","sentiment":"neutral","sentiment_score":-0.11587446928024292},{"word":"the","start":280.78998,"end":281.03,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10908371210098268},{"word":"advice","start":281.03,"end":281.53,"confidence":0.9980469,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":-0.1780732274055481},{"word":"in","start":283.50998,"end":283.83,"confidence":0.95166016,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.07479148358106613},{"word":"terms","start":283.83,"end":284.15,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.03211897239089012},{"word":"of","start":284.15,"end":284.65,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.041274115443229675},{"word":"your","start":284.87,"end":285.37,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.034766435623168945},{"word":"details","start":285.43,"end":285.93,"confidence":0.9658203,"punctuated_word":"details,","sentiment":"neutral","sentiment_score":0.042693521827459335},{"word":"may","start":286.15,"end":286.38998,"confidence":0.86621094,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.025748323649168015},{"word":"need","start":286.38998,"end":286.63,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.02309989184141159},{"word":"a","start":286.63,"end":286.78998,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.008990107104182243},{"word":"little","start":286.78998,"end":287.03,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.02221135795116425},{"word":"bit","start":287.03,"end":287.19,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0353381410241127},{"word":"of","start":287.19,"end":287.35,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028989382088184357},{"word":"updating","start":287.35,"end":287.83,"confidence":1.0,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.05786658450961113},{"word":"here","start":287.83,"end":288.07,"confidence":0.97143555,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.027596358209848404},{"word":"but","start":288.07,"end":288.22998,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.027360688894987103},{"word":"there's","start":288.22998,"end":288.47,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.018248330801725388},{"word":"an","start":288.47,"end":288.63,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.031860195100307465},{"word":"about","start":288.63,"end":289.03,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.002689279615879059},{"word":"you","start":289.03,"end":289.27,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015400312840938568},{"word":"section","start":289.27,"end":289.77,"confidence":1.0,"punctuated_word":"section","sentiment":"neutral","sentiment_score":0.03783002495765686},{"word":"where","start":290.035,"end":290.275,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.03180394321680069},{"word":"we","start":290.275,"end":290.355,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0610031858086586},{"word":"have","start":290.355,"end":290.515,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.054393596947193146},{"word":"you","start":290.515,"end":290.755,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05414791032671928},{"word":"as","start":290.755,"end":290.915,"confidence":0.9863281,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05081921815872192},{"word":"a","start":290.915,"end":291.075,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0667538195848465},{"word":"student","start":291.075,"end":291.555,"confidence":1.0,"punctuated_word":"student","sentiment":"neutral","sentiment_score":0.025065269321203232},{"word":"counselor","start":291.555,"end":292.055,"confidence":0.8925781,"punctuated_word":"counselor","sentiment":"neutral","sentiment_score":0.042759861797094345},{"word":"on","start":292.115,"end":292.355,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.047033414244651794},{"word":"about","start":292.355,"end":292.675,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.045143209397792816},{"word":"41,000","start":292.675,"end":293.655,"confidence":0.8922119,"punctuated_word":"41,000.","sentiment":"neutral","sentiment_score":0.03992730379104614},{"word":"still","start":294.275,"end":294.515,"confidence":0.9536133,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":0.009864117950201036},{"word":"doing","start":294.515,"end":294.915,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.016684450209140778},{"word":"part","start":294.915,"end":295.155,"confidence":0.99902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.02977561764419079},{"word":"time","start":295.155,"end":295.655,"confidence":0.99853516,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.037766218185424805},{"word":"perfect","start":300.435,"end":300.935,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.23836387693881989},{"word":"so","start":301.155,"end":301.315,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07430008798837662},{"word":"i'm","start":301.315,"end":301.475,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07827253639698029},{"word":"gonna","start":301.475,"end":301.875,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.09802506864070892},{"word":"add","start":301.875,"end":302.115,"confidence":0.99902344,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.0435783751308918},{"word":"that","start":302.115,"end":302.275,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07499080896377563},{"word":"into","start":302.275,"end":302.67,"confidence":0.9614258,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.06803347915410995},{"word":"your","start":302.83002,"end":303.33002,"confidence":0.97314453,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07377791404724121},{"word":"file","start":312.67,"end":313.15002,"confidence":0.96728516,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.02158126980066299},{"word":"perfect","start":313.15002,"end":313.65002,"confidence":0.6793213,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2919215261936188},{"word":"so","start":313.71002,"end":313.87003,"confidence":0.9111328,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12658824026584625},{"word":"what","start":313.87003,"end":314.11002,"confidence":0.9892578,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13903746008872986},{"word":"that","start":314.11002,"end":314.27002,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15111875534057617},{"word":"will","start":314.27002,"end":314.43002,"confidence":0.9921875,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.17473104596138},{"word":"do","start":314.43002,"end":314.59003,"confidence":0.9863281,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2014574557542801},{"word":"is","start":314.59003,"end":314.91,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20295462012290957},{"word":"the","start":314.91,"end":315.07,"confidence":0.9248047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15170854330062866},{"word":"extra","start":315.07,"end":315.31,"confidence":0.9970703,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.11723722517490388},{"word":"day","start":315.31,"end":315.55002,"confidence":0.9838867,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.1753944605588913},{"word":"will","start":315.55002,"end":315.79,"confidence":0.9873047,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.17077621817588806},{"word":"obviously","start":315.79,"end":316.27002,"confidence":0.95947266,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.24537475407123568},{"word":"lead","start":316.27002,"end":316.51,"confidence":0.9760742,"punctuated_word":"lead","sentiment":"neutral","sentiment_score":0.1926569789648056},{"word":"to","start":316.51,"end":316.59003,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23364540934562683},{"word":"more","start":316.59003,"end":317.09003,"confidence":0.9350586,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1912272572517395},{"word":"contributions","start":317.38498,"end":317.785,"confidence":0.68640137,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.19198288023471832},{"word":"so","start":317.785,"end":317.945,"confidence":0.9873047,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.243495911359787},{"word":"a","start":317.945,"end":318.10498,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21085432171821591},{"word":"bit","start":318.10498,"end":318.425,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18052953481674192},{"word":"higher","start":318.425,"end":318.925,"confidence":1.0,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.1825249344110489},{"word":"in","start":318.985,"end":319.145,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16783125698566437},{"word":"terms","start":319.145,"end":319.38498,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.1742200404405594},{"word":"of","start":319.38498,"end":319.705,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21786007285118103},{"word":"invested","start":319.705,"end":320.185,"confidence":0.9970703,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.10270242393016817},{"word":"amounts","start":320.185,"end":320.685,"confidence":0.95874023,"punctuated_word":"amounts.","sentiment":"neutral","sentiment_score":0.1158841997385025},{"word":"and","start":321.065,"end":321.565,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06869062781333923},{"word":"when","start":321.865,"end":322.025,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05603889003396034},{"word":"i","start":322.025,"end":322.185,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07124817371368408},{"word":"do","start":322.185,"end":322.345,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07623647153377533},{"word":"that","start":322.345,"end":322.585,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0991431325674057},{"word":"next","start":322.585,"end":322.82498,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.03847980499267578},{"word":"review","start":322.82498,"end":323.22498,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.04656597599387169},{"word":"with","start":323.22498,"end":323.38498,"confidence":0.98828125,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.034953124821186066},{"word":"you","start":323.38498,"end":323.54498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06237270683050155},{"word":"guys","start":323.54498,"end":323.785,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.08667928725481033},{"word":"next","start":323.785,"end":324.10498,"confidence":0.9970703,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.061474449932575226},{"word":"year","start":324.10498,"end":324.345,"confidence":0.9995117,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.09044849127531052},{"word":"i","start":324.345,"end":324.50497,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13235214352607727},{"word":"can","start":324.50497,"end":324.66498,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1222112774848938},{"word":"update","start":324.66498,"end":325.065,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.09400352835655212},{"word":"those","start":325.065,"end":325.38498,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.08763105422258377},{"word":"details","start":325.38498,"end":325.88498,"confidence":0.64624023,"punctuated_word":"details,","sentiment":"neutral","sentiment_score":0.07239480316638947},{"word":"if","start":326.82498,"end":327.065,"confidence":0.3918457,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07612302899360657},{"word":"your","start":327.065,"end":327.305,"confidence":0.98535156,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01777951419353485},{"word":"income","start":327.305,"end":327.78497,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.01822681725025177},{"word":"next","start":327.78497,"end":328.025,"confidence":0.99316406,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.02372300624847412},{"word":"financial","start":328.025,"end":328.50497,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.02098418027162552},{"word":"year","start":328.50497,"end":328.66498,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.012969568371772766},{"word":"has","start":328.66498,"end":328.905,"confidence":0.9604492,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.01276959478855133},{"word":"changed","start":328.905,"end":329.22498,"confidence":0.99902344,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.017691798508167267},{"word":"significantly","start":329.22498,"end":329.72498,"confidence":1.0,"punctuated_word":"significantly.","sentiment":"neutral","sentiment_score":0.03352390229701996},{"word":"in","start":333.16998,"end":333.49,"confidence":0.984375,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.12020044028759004},{"word":"terms","start":333.49,"end":333.72998,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.13062310218811035},{"word":"of","start":333.72998,"end":334.05,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13915586471557617},{"word":"assets","start":334.05,"end":334.44998,"confidence":0.9970703,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.10504961013793944},{"word":"and","start":334.44998,"end":334.61,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08416815102100372},{"word":"liabilities","start":334.61,"end":335.09,"confidence":0.99902344,"punctuated_word":"liabilities,","sentiment":"neutral","sentiment_score":0.06870803236961365},{"word":"we've","start":335.09,"end":335.33,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.07738777995109558},{"word":"got","start":335.33,"end":335.49,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09249311685562134},{"word":"the","start":335.49,"end":335.72998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08507058024406433},{"word":"mortgage","start":335.72998,"end":336.22998,"confidence":1.0,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.0617416650056839},{"word":"the","start":336.61,"end":336.84998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08189915865659714},{"word":"home","start":336.84998,"end":337.16998,"confidence":1.0,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":0.080899678170681},{"word":"the","start":337.16998,"end":337.40997,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11591657996177672},{"word":"shares","start":337.40997,"end":337.90997,"confidence":0.9995117,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.09737083315849304},{"word":"the","start":337.96997,"end":338.12997,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11143724620342256},{"word":"car","start":338.12997,"end":338.44998,"confidence":0.9477539,"punctuated_word":"car,","sentiment":"neutral","sentiment_score":0.10017334669828416},{"word":"and","start":338.44998,"end":338.53,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10760189592838287},{"word":"the","start":338.53,"end":338.68997,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11945756524801254},{"word":"offset","start":338.68997,"end":339.18997,"confidence":0.9980469,"punctuated_word":"offset.","sentiment":"neutral","sentiment_score":0.07931119203567505},{"word":"i'm","start":339.56998,"end":339.72998,"confidence":0.8183594,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.051357463002204895},{"word":"not","start":339.72998,"end":339.88998,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06547042727470398},{"word":"sure","start":339.88998,"end":340.05,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.10173015296459198},{"word":"if","start":340.05,"end":340.12997,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06756690889596939},{"word":"there's","start":340.12997,"end":340.37,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.06346128135919571},{"word":"been","start":340.37,"end":340.53,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.08808095753192902},{"word":"any","start":340.53,"end":340.93,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.04975173622369766},{"word":"major","start":340.93,"end":341.33,"confidence":0.76464844,"punctuated_word":"major,","sentiment":"neutral","sentiment_score":-0.09166889637708664},{"word":"major","start":341.33,"end":341.72998,"confidence":1.0,"punctuated_word":"major","sentiment":"neutral","sentiment_score":-0.1032654419541359},{"word":"changes","start":341.72998,"end":342.05,"confidence":0.9970703,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":-0.10383599996566772},{"word":"i","start":342.05,"end":342.12997,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0593784898519516},{"word":"know","start":342.12997,"end":342.37,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.09458959847688676},{"word":"the","start":342.37,"end":342.44998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07068834453821182},{"word":"market's","start":342.44998,"end":342.84998,"confidence":0.98413086,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":-0.060021184384822845},{"word":"kind","start":342.84998,"end":343.00998,"confidence":0.92089844,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.06036801263689995},{"word":"of","start":343.00998,"end":343.16998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06123347952961922},{"word":"gone","start":343.16998,"end":343.33,"confidence":0.8173828,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.07762838900089264},{"word":"up","start":343.33,"end":343.49,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.06604532152414322},{"word":"and","start":343.49,"end":343.65,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07415816187858582},{"word":"down","start":343.65,"end":343.88998,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.025561027228832245},{"word":"a","start":343.88998,"end":344.05,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05879233777523041},{"word":"little","start":344.05,"end":344.21,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.05343446508049965},{"word":"bit","start":344.21,"end":344.61,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.059887371957302094},{"word":"in","start":344.61,"end":344.77,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.029210165143013},{"word":"terms","start":344.77,"end":345.00998,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.02309638261795044},{"word":"of","start":345.00998,"end":345.16998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03880445286631584},{"word":"the","start":345.16998,"end":345.33,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.023332148790359497},{"word":"property","start":345.33,"end":345.81,"confidence":0.9892578,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.029661979526281357},{"word":"side","start":345.81,"end":345.96997,"confidence":0.9941406,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.01792091131210327},{"word":"of","start":345.96997,"end":346.12997,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-8.627772331237793e-6},{"word":"things","start":346.12997,"end":346.425,"confidence":0.9995117,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.00791742280125618},{"word":"perfect","start":350.985,"end":351.485,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.007275763433426619},{"word":"and","start":351.78497,"end":351.94498,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02238691598176956},{"word":"then","start":351.94498,"end":352.185,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.02373152412474155},{"word":"we've","start":352.185,"end":352.425,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.02774281799793243},{"word":"got","start":352.425,"end":352.745,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.031372491270303726},{"word":"your","start":352.745,"end":353.065,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.044167835265398026},{"word":"hub","start":353.065,"end":353.305,"confidence":0.94189453,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.05604033172130585},{"word":"and","start":353.305,"end":353.54498,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05064792186021805},{"word":"your","start":353.54498,"end":353.705,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07572746276855469},{"word":"rest","start":353.705,"end":353.94498,"confidence":0.94140625,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.05549733713269234},{"word":"super","start":353.94498,"end":354.26498,"confidence":0.94140625,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.07304009050130844},{"word":"funds","start":354.26498,"end":354.585,"confidence":0.9277344,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.05716003477573395},{"word":"listed","start":354.585,"end":354.985,"confidence":1.0,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.06325218081474304},{"word":"there","start":354.985,"end":355.145,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06445803493261337},{"word":"as","start":355.145,"end":355.305,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.053066354244947433},{"word":"well","start":355.305,"end":355.805,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.05004552751779556},{"word":"cool","start":357.145,"end":357.645,"confidence":0.99902344,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.3484119772911072},{"word":"if","start":357.865,"end":358.025,"confidence":0.7133789,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.11414697766304016},{"word":"you","start":358.025,"end":358.26498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07461376488208771},{"word":"swing","start":358.26498,"end":358.50497,"confidence":1.0,"punctuated_word":"swing","sentiment":"neutral","sentiment_score":0.10621854662895204},{"word":"through","start":358.50497,"end":358.82498,"confidence":0.99902344,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.10484789311885834},{"word":"you'll","start":358.82498,"end":358.985,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.061416782438755035},{"word":"see","start":358.985,"end":359.22498,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11924014240503313},{"word":"the","start":359.22498,"end":359.305,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09243379533290864},{"word":"insurances","start":359.305,"end":359.805,"confidence":0.9983724,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":0.04988566040992737},{"word":"i","start":360.26498,"end":360.51,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04246130958199501},{"word":"finally","start":360.59,"end":360.99002,"confidence":1.0,"punctuated_word":"finally","sentiment":"neutral","sentiment_score":0.026631198823451996},{"word":"did","start":360.99002,"end":361.23,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.040274448692798615},{"word":"get","start":361.23,"end":361.47,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.023046186193823814},{"word":"some","start":361.47,"end":361.71002,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.012211289256811142},{"word":"information","start":361.71002,"end":362.19,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.022179841995239254},{"word":"about","start":362.19,"end":362.43002,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.018991313874721527},{"word":"the","start":362.43002,"end":362.67,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02195117250084877},{"word":"ali","start":362.67,"end":362.99002,"confidence":0.37963867,"punctuated_word":"Ali","sentiment":"neutral","sentiment_score":0.02555227093398571},{"word":"insurances","start":362.99002,"end":363.49002,"confidence":0.96988934,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.01718762144446373},{"word":"which","start":364.03,"end":364.53,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.01715996116399765},{"word":"was","start":364.99002,"end":365.23,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.16281501948833466},{"word":"quite","start":365.23,"end":365.63,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.2095540463924408},{"word":"strange","start":365.63,"end":366.03,"confidence":1.0,"punctuated_word":"strange","sentiment":"neutral","sentiment_score":-0.17285603284835815},{"word":"because","start":366.03,"end":366.35,"confidence":0.9326172,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.140031635761261},{"word":"they","start":366.35,"end":366.43002,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.175362229347229},{"word":"would","start":366.43002,"end":366.67,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.15120984613895416},{"word":"send","start":366.67,"end":366.91,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":-0.20636430382728577},{"word":"us","start":366.91,"end":367.23,"confidence":0.99902344,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.16961027681827545},{"word":"details","start":367.23,"end":367.73,"confidence":0.9980469,"punctuated_word":"details","sentiment":"neutral","sentiment_score":-0.1589314490556717},{"word":"for","start":367.79,"end":368.29,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.15034575760364532},{"word":"one","start":368.51,"end":368.75,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.12943099439144137},{"word":"of","start":368.75,"end":368.91,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14624854922294617},{"word":"you","start":368.91,"end":368.99002,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1759435534477234},{"word":"guys","start":368.99002,"end":369.39,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.12148748338222504},{"word":"with","start":369.39,"end":369.63,"confidence":0.97265625,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.14284177124500275},{"word":"the","start":369.63,"end":369.79,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13383691012859344},{"word":"rest","start":369.79,"end":369.95,"confidence":1.0,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":-0.20383583009243011},{"word":"of","start":369.95,"end":370.03,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16369344294071198},{"word":"it","start":370.03,"end":370.27002,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.12966042757034302},{"word":"redacted","start":370.27002,"end":370.75,"confidence":0.9970703,"punctuated_word":"redacted","sentiment":"neutral","sentiment_score":-0.16365987062454224},{"word":"for","start":370.75,"end":370.91,"confidence":0.8120117,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1481996774673462},{"word":"the","start":370.91,"end":371.07,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1501917988061905},{"word":"other","start":371.07,"end":371.23,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.13727957010269165},{"word":"person","start":371.23,"end":371.55002,"confidence":0.93725586,"punctuated_word":"person,","sentiment":"neutral","sentiment_score":-0.15229637920856476},{"word":"and","start":371.55002,"end":371.79,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17725525796413422},{"word":"they","start":371.79,"end":371.87,"confidence":0.90722656,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.21481236815452576},{"word":"were","start":371.87,"end":372.11002,"confidence":0.9873047,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.22462408244609833},{"word":"kind","start":372.11002,"end":372.27002,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.22359438240528107},{"word":"of","start":372.27002,"end":372.51,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17311927676200867},{"word":"not","start":372.51,"end":372.67,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.17977724969387054},{"word":"sending","start":372.67,"end":373.07,"confidence":1.0,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":-0.1303989291191101},{"word":"through","start":373.07,"end":373.23,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.1606668084859848},{"word":"a","start":373.23,"end":373.39,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17879660427570343},{"word":"holistic","start":373.39,"end":373.89,"confidence":0.99609375,"punctuated_word":"holistic","sentiment":"neutral","sentiment_score":-0.07227978110313416},{"word":"view","start":374.44498,"end":374.565,"confidence":0.99902344,"punctuated_word":"view","sentiment":"neutral","sentiment_score":-0.09894105792045592},{"word":"of","start":374.565,"end":374.685,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12428441643714903},{"word":"that","start":374.685,"end":375.16498,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13746541738510132},{"word":"joint","start":375.16498,"end":375.405,"confidence":1.0,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":-0.060697611421346664},{"word":"policy","start":375.405,"end":375.905,"confidence":0.9758301,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":-0.14963340759277344},{"word":"little","start":378.125,"end":378.44498,"confidence":0.64746094,"punctuated_word":"Little","sentiment":"neutral","sentiment_score":-0.19649121165275577},{"word":"bit","start":378.44498,"end":378.685,"confidence":0.7663574,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.18045058846473697},{"word":"little","start":378.685,"end":378.845,"confidence":0.97802734,"punctuated_word":"Little","sentiment":"neutral","sentiment_score":-0.13830631971359253},{"word":"bit","start":378.845,"end":379.085,"confidence":0.9338379,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.12565843760967255},{"word":"but","start":379.085,"end":379.245,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.05356459319591522},{"word":"we","start":379.245,"end":379.405,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.00009268894791603088},{"word":"did","start":379.405,"end":379.56497,"confidence":0.9941406,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.03820725157856941},{"word":"get","start":379.56497,"end":379.72498,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0014489293098449707},{"word":"the","start":379.72498,"end":379.88498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0018453896045684817},{"word":"information","start":379.88498,"end":380.365,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.012134581804275513},{"word":"there","start":380.365,"end":380.685,"confidence":0.923584,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.005571965128183365},{"word":"so","start":380.685,"end":380.845,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.023397833108901978},{"word":"we","start":380.845,"end":381.00497,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.008538886904716492},{"word":"are","start":381.00497,"end":381.245,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.008431218564510345},{"word":"tracking","start":381.245,"end":381.645,"confidence":1.0,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":-0.012429505586624146},{"word":"that","start":381.645,"end":381.805,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03685050830245018},{"word":"one","start":381.805,"end":382.305,"confidence":0.7714844,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.03654970228672027},{"word":"and","start":384.205,"end":384.60498,"confidence":0.9165039,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2347574234008789},{"word":"the","start":384.60498,"end":384.84497,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2270219922065735},{"word":"rest","start":384.84497,"end":385.16498,"confidence":0.95410156,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.2092851847410202},{"word":"insurance","start":385.16498,"end":385.56497,"confidence":0.6640625,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.15547028183937073},{"word":"is","start":385.56497,"end":385.805,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20129460096359253},{"word":"there","start":385.805,"end":386.125,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2602171301841736},{"word":"as","start":386.125,"end":386.28497,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17895372211933136},{"word":"well","start":386.28497,"end":386.49,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.15788516402244568},{"word":"if","start":388.33,"end":388.49,"confidence":0.96972656,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.06671006232500076},{"word":"you","start":388.49,"end":388.65,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02993711084127426},{"word":"go","start":388.65,"end":388.81,"confidence":0.99316406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.03151058405637741},{"word":"past","start":388.81,"end":389.05,"confidence":0.93408203,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.04680411517620087},{"word":"there","start":389.05,"end":389.28998,"confidence":0.94433594,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.03297599405050278},{"word":"you'll","start":389.28998,"end":389.53,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.024836188182234764},{"word":"see","start":389.53,"end":389.77,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07630264759063721},{"word":"risk","start":389.77,"end":390.16998,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.032723911106586456},{"word":"profile","start":390.16998,"end":390.66998,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.008047088980674744},{"word":"on","start":390.81,"end":390.97,"confidence":0.9941406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.038391828536987305},{"word":"the","start":390.97,"end":391.13,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025124087929725647},{"word":"next","start":391.13,"end":391.44998,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.004914738237857819},{"word":"two","start":391.44998,"end":391.77,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0017257817089557648},{"word":"pages","start":391.77,"end":392.27,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.012294277548789978},{"word":"being","start":392.41,"end":392.72998,"confidence":0.90771484,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.007445797324180603},{"word":"high","start":392.72998,"end":392.97,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.01807820051908493},{"word":"growth","start":392.97,"end":393.37,"confidence":1.0,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.05275588482618332},{"word":"currently","start":393.37,"end":393.87,"confidence":0.9675293,"punctuated_word":"currently.","sentiment":"neutral","sentiment_score":-0.02886967547237873},{"word":"we're","start":393.93,"end":394.09,"confidence":1.0,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.06695432960987091},{"word":"not","start":394.09,"end":394.33,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10215125977993011},{"word":"changing","start":394.33,"end":394.81,"confidence":1.0,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":-0.12461844086647034},{"word":"your","start":394.81,"end":395.13,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07445968687534332},{"word":"risk","start":395.13,"end":395.44998,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.1101401224732399},{"word":"profile","start":395.44998,"end":395.94998,"confidence":0.9748535,"punctuated_word":"profile.","sentiment":"neutral","sentiment_score":-0.1052085906267166},{"word":"we're","start":396.09,"end":396.33,"confidence":1.0,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.03675983846187592},{"word":"just","start":396.33,"end":396.49,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.021235670894384384},{"word":"dealing","start":396.49,"end":396.81,"confidence":1.0,"punctuated_word":"dealing","sentiment":"neutral","sentiment_score":-0.04762842133641243},{"word":"with","start":396.81,"end":396.97,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.040694523602724075},{"word":"the","start":396.97,"end":397.13,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.027080167084932327},{"word":"underlying","start":397.13,"end":397.61,"confidence":1.0,"punctuated_word":"underlying","sentiment":"neutral","sentiment_score":-0.0144983921200037},{"word":"investments","start":397.61,"end":398.11,"confidence":0.97998047,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.06046685576438904},{"word":"at","start":398.16998,"end":398.33,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06921641528606415},{"word":"this","start":398.33,"end":398.49,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.012376509606838226},{"word":"point","start":398.49,"end":398.99,"confidence":0.99902344,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":-0.011752242222428322},{"word":"this","start":400.715,"end":400.875,"confidence":0.97509766,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.1455165147781372},{"word":"one's","start":400.875,"end":401.275,"confidence":0.9926758,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":0.140268474817276},{"word":"a","start":401.275,"end":401.35498,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10952184349298476},{"word":"little","start":401.35498,"end":401.51498,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.04159501940011978},{"word":"bit","start":401.51498,"end":401.75497,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.059505484998226166},{"word":"text","start":401.75497,"end":401.995,"confidence":0.9902344,"punctuated_word":"text","sentiment":"neutral","sentiment_score":0.08515381813049316},{"word":"heavy","start":401.995,"end":402.235,"confidence":0.96875,"punctuated_word":"heavy,","sentiment":"neutral","sentiment_score":0.05902505666017532},{"word":"but","start":402.235,"end":402.395,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06576084345579147},{"word":"if","start":402.395,"end":402.47498,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09066075086593628},{"word":"you","start":402.47498,"end":402.63498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08277326822280884},{"word":"go","start":402.63498,"end":402.79498,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07080733776092529},{"word":"to","start":402.79498,"end":402.875,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0921531468629837},{"word":"pages","start":402.875,"end":403.35498,"confidence":0.99902344,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.05588560551404953},{"word":"twelve","start":403.35498,"end":403.595,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.1063378006219864},{"word":"and","start":403.595,"end":403.835,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06089484691619873},{"word":"thirteen","start":403.835,"end":404.335,"confidence":0.99853516,"punctuated_word":"thirteen,","sentiment":"neutral","sentiment_score":0.10829316824674606},{"word":"you'll","start":404.63498,"end":405.035,"confidence":0.782959,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.1191406473517418},{"word":"see","start":405.035,"end":405.435,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.15295961499214172},{"word":"strategy","start":405.435,"end":405.935,"confidence":0.9970703,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.08914775401353836},{"word":"recommendations","start":406.07498,"end":406.57498,"confidence":0.9995117,"punctuated_word":"recommendations.","sentiment":"neutral","sentiment_score":0.07577371597290039},{"word":"so","start":409.51498,"end":409.835,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03448311612010002},{"word":"what","start":409.835,"end":409.995,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06792974472045898},{"word":"we're","start":409.995,"end":410.315,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.05285028740763664},{"word":"essentially","start":410.315,"end":410.815,"confidence":0.99609375,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.05848868936300278},{"word":"recommending","start":410.875,"end":411.375,"confidence":1.0,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.08353488147258759},{"word":"is","start":411.435,"end":411.675,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08718016743659973},{"word":"to","start":411.675,"end":411.91498,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07893094420433044},{"word":"update","start":411.91498,"end":412.315,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.09226848930120468},{"word":"the","start":412.315,"end":412.555,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09955151379108428},{"word":"investments","start":412.555,"end":412.955,"confidence":0.99902344,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.04021705314517021},{"word":"within","start":412.955,"end":413.35498,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.09548425674438477},{"word":"both","start":413.35498,"end":413.675,"confidence":0.99902344,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.07175660878419876},{"word":"funds","start":413.675,"end":414.175,"confidence":0.9980469,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.0766478180885315},{"word":"just","start":414.44998,"end":414.69,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15371842682361603},{"word":"to","start":414.69,"end":414.77,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11104746162891388},{"word":"be","start":414.77,"end":415.00998,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1063002422451973},{"word":"in","start":415.00998,"end":415.16998,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11745557188987732},{"word":"line","start":415.16998,"end":415.65,"confidence":1.0,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.1755160391330719},{"word":"with","start":415.65,"end":416.05,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15958617627620697},{"word":"the","start":416.05,"end":416.28998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13021564483642578},{"word":"risk","start":416.28998,"end":416.53,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.08633793145418167},{"word":"profile","start":416.53,"end":417.03,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.11700761318206788},{"word":"and","start":417.33,"end":417.56998,"confidence":0.8828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08175194263458252},{"word":"also","start":417.56998,"end":417.81,"confidence":0.95166016,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08590961992740631},{"word":"do","start":417.81,"end":417.93,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11255250871181488},{"word":"a","start":417.93,"end":418.05,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09993255138397215},{"word":"bit","start":418.05,"end":418.21,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09858883917331696},{"word":"of","start":418.21,"end":418.37,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11841291189193726},{"word":"a","start":418.37,"end":418.44998,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09683211147785188},{"word":"top","start":418.44998,"end":418.69,"confidence":0.99902344,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.13901014626026154},{"word":"up","start":418.69,"end":418.93,"confidence":0.9902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1358528435230255},{"word":"rollover","start":418.93,"end":419.33,"confidence":0.96191406,"punctuated_word":"rollover","sentiment":"neutral","sentiment_score":0.12242984026670456},{"word":"from","start":419.33,"end":419.56998,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.10282538831233978},{"word":"rest","start":419.56998,"end":419.88998,"confidence":0.79541016,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.09243138134479524},{"word":"into","start":419.88998,"end":420.21,"confidence":0.6191406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.09578262269496918},{"word":"hub","start":420.21,"end":420.61,"confidence":0.9790039,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.10294821113348009},{"word":"and","start":420.61,"end":420.85,"confidence":0.9194336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09106026589870451},{"word":"just","start":420.85,"end":421.16998,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08166491985321045},{"word":"maintain","start":421.16998,"end":421.65,"confidence":1.0,"punctuated_word":"maintain","sentiment":"neutral","sentiment_score":0.0723341852426529},{"word":"that","start":421.65,"end":421.97,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09903737902641296},{"word":"minimum","start":421.97,"end":422.37,"confidence":1.0,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":0.05879055708646774},{"word":"for","start":422.37,"end":422.53,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04889414086937904},{"word":"the","start":422.53,"end":422.77,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03819594532251358},{"word":"insurances","start":422.77,"end":423.27,"confidence":0.99853516,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.05311136692762375},{"word":"still","start":423.49,"end":423.99,"confidence":0.99609375,"punctuated_word":"still.","sentiment":"neutral","sentiment_score":0.042948171496391296},{"word":"now","start":425.65,"end":425.97,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.10702842473983765},{"word":"what","start":425.97,"end":426.21,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07365944236516953},{"word":"this","start":426.21,"end":426.37,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.05388705059885979},{"word":"essentially","start":426.37,"end":426.84998,"confidence":0.99902344,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.07332161068916321},{"word":"says","start":426.84998,"end":427.09,"confidence":1.0,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.06370093673467636},{"word":"is","start":427.09,"end":427.16998,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.031775396317243576},{"word":"that","start":427.16998,"end":427.33,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03831985220313072},{"word":"we've","start":427.33,"end":427.56998,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.050646793097257614},{"word":"had","start":427.56998,"end":427.72998,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.042031798511743546},{"word":"to","start":427.72998,"end":427.88998,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06709269434213638},{"word":"factor","start":427.88998,"end":428.21,"confidence":1.0,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.0905068665742874},{"word":"in","start":428.21,"end":428.44998,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07662810385227203},{"word":"things","start":428.44998,"end":428.69,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.08331293612718582},{"word":"like","start":428.69,"end":428.93,"confidence":0.94140625,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07124685496091843},{"word":"brokerage","start":428.93,"end":429.405,"confidence":0.9902344,"punctuated_word":"brokerage","sentiment":"neutral","sentiment_score":0.03778212517499924},{"word":"fees","start":429.485,"end":429.645,"confidence":0.9980469,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.0745900571346283},{"word":"capital","start":429.645,"end":429.805,"confidence":0.99902344,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.04120023548603058},{"word":"gains","start":429.805,"end":430.305,"confidence":0.99121094,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.08022788166999817},{"word":"tax","start":430.605,"end":430.925,"confidence":0.97314453,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1452300250530243},{"word":"inside","start":430.925,"end":431.325,"confidence":0.9863281,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.10417116433382034},{"word":"the","start":431.325,"end":431.485,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10399529337882996},{"word":"super","start":431.485,"end":431.985,"confidence":0.8544922,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.1303723007440567},{"word":"and","start":432.205,"end":432.445,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07001197338104248},{"word":"try","start":432.445,"end":432.685,"confidence":0.9980469,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.07378946989774704},{"word":"to","start":432.685,"end":432.76498,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06332623213529587},{"word":"make","start":432.76498,"end":432.925,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.056180015206336975},{"word":"sure","start":432.925,"end":433.165,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.09203267097473145},{"word":"that","start":433.165,"end":433.325,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12974423170089722},{"word":"we're","start":433.325,"end":433.725,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.13131999969482422},{"word":"lowering","start":433.725,"end":434.205,"confidence":0.9980469,"punctuated_word":"lowering","sentiment":"neutral","sentiment_score":0.15665081143379211},{"word":"your","start":434.205,"end":434.365,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24151581525802612},{"word":"investment","start":434.365,"end":434.865,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.0695466622710228},{"word":"costs","start":434.925,"end":435.425,"confidence":0.9616699,"punctuated_word":"costs,","sentiment":"neutral","sentiment_score":0.23848935961723328},{"word":"improving","start":435.485,"end":435.965,"confidence":1.0,"punctuated_word":"improving","sentiment":"neutral","sentiment_score":0.2510112226009369},{"word":"the","start":435.965,"end":436.125,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2838650643825531},{"word":"performance","start":436.125,"end":436.625,"confidence":0.9658203,"punctuated_word":"performance,","sentiment":"neutral","sentiment_score":0.21948890388011932},{"word":"and","start":437.245,"end":437.745,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08990693092346191},{"word":"not","start":437.805,"end":438.125,"confidence":0.9951172,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.0754552111029625},{"word":"including","start":438.125,"end":438.605,"confidence":0.9980469,"punctuated_word":"including","sentiment":"neutral","sentiment_score":0.06648876518011093},{"word":"any","start":438.605,"end":438.845,"confidence":0.99316406,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.02251267433166504},{"word":"fees","start":438.845,"end":439.165,"confidence":0.99316406,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.008917950093746185},{"word":"that","start":439.165,"end":439.325,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02926656603813171},{"word":"are","start":439.325,"end":439.565,"confidence":0.99316406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.01930861920118332},{"word":"too","start":439.565,"end":439.725,"confidence":0.9921875,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.08031110465526581},{"word":"high","start":439.725,"end":440.225,"confidence":0.99121094,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.006724193692207336},{"word":"to","start":440.285,"end":440.445,"confidence":0.9658203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06065639108419418},{"word":"warrant","start":440.445,"end":440.925,"confidence":0.9921875,"punctuated_word":"warrant","sentiment":"neutral","sentiment_score":-0.05591359734535217},{"word":"not","start":440.925,"end":441.165,"confidence":0.9506836,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08193710446357727},{"word":"changing","start":441.165,"end":441.19168,"confidence":0.9892578,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":-0.10792219638824464},{"word":"any","start":441.19168,"end":441.21835,"confidence":0.8125,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.11989187449216844},{"word":"investments","start":441.21835,"end":441.245,"confidence":0.9477539,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":-0.07949664443731308},{"word":"if","start":441.245,"end":441.27167,"confidence":0.5541992,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.03944780677556992},{"word":"you","start":441.27167,"end":441.29834,"confidence":0.78759766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.029067272320389748},{"word":"go","start":441.29834,"end":441.325,"confidence":0.6430664,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.01987670175731182},{"word":"on","start":441.325,"end":441.805,"confidence":0.7558594,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.018566083163022995},{"word":"the","start":441.805,"end":442.17,"confidence":0.8183594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00803188607096672},{"word":"next","start":446.25,"end":446.43668,"confidence":0.7050781,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.093583844602108},{"word":"page","start":446.43668,"end":446.62335,"confidence":0.9003906,"punctuated_word":"page","sentiment":"neutral","sentiment_score":-0.05743521451950073},{"word":"so","start":446.81003,"end":447.05002,"confidence":0.94140625,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.0811440497636795},{"word":"again","start":447.05002,"end":447.29,"confidence":0.9428711,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.08523429930210114},{"word":"i","start":447.29,"end":447.37003,"confidence":0.90722656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18660244345664975},{"word":"haven't","start":447.37003,"end":447.69,"confidence":0.98950195,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.16253066062927246},{"word":"projected","start":447.69,"end":448.17,"confidence":0.9526367,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":-0.20399907231330872},{"word":"you","start":448.17,"end":448.43002,"confidence":0.9472656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.19828587770462036},{"word":"out","start":448.43002,"end":448.69,"confidence":0.91015625,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.2005622833967209},{"word":"to","start":448.69,"end":448.95,"confidence":0.95166016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2223559319972992},{"word":"retirement","start":448.95,"end":449.21002,"confidence":0.9277344,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":-0.16699880361557007},{"word":"just","start":449.21002,"end":449.29,"confidence":0.87890625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.21751846373081207},{"word":"because","start":449.29,"end":449.45,"confidence":0.8510742,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.19783540070056915},{"word":"it's","start":449.45,"end":449.69,"confidence":0.984375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.18677806854248047},{"word":"so","start":449.69,"end":449.93002,"confidence":0.9326172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1809430867433548},{"word":"many","start":449.93002,"end":450.09003,"confidence":0.921875,"punctuated_word":"many","sentiment":"neutral","sentiment_score":-0.17013850808143616},{"word":"years","start":450.09003,"end":450.59003,"confidence":0.88671875,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.1746777892112732},{"word":"away","start":450.65002,"end":451.15002,"confidence":0.9831543,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":-0.14560522139072418},{"word":"i","start":451.53,"end":451.61002,"confidence":0.8613281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19976547360420227},{"word":"can't","start":451.61002,"end":451.93002,"confidence":0.9550781,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.20351019501686096},{"word":"really","start":451.93002,"end":452.41,"confidence":0.9038086,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.21794889867305756},{"word":"yeah","start":453.21002,"end":453.45,"confidence":0.9321289,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.16161702573299408},{"word":"i","start":453.45,"end":453.53,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1933581382036209},{"word":"can't","start":453.53,"end":453.77002,"confidence":0.97631836,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.16977207362651825},{"word":"accurately","start":453.77002,"end":454.25,"confidence":0.9770508,"punctuated_word":"accurately","sentiment":"neutral","sentiment_score":-0.1512097269296646},{"word":"go","start":454.25,"end":454.73,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.1636277735233307},{"word":"decades","start":454.73,"end":455.13,"confidence":0.9902344,"punctuated_word":"decades","sentiment":"neutral","sentiment_score":-0.15740516781806946},{"word":"and","start":455.13,"end":455.29,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15859968960285187},{"word":"decades","start":455.29,"end":455.77002,"confidence":0.9267578,"punctuated_word":"decades","sentiment":"neutral","sentiment_score":-0.13435108959674835},{"word":"with","start":455.77002,"end":456.01,"confidence":0.95947266,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.14104777574539185},{"word":"any","start":456.01,"end":456.25,"confidence":0.8857422,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.13682177662849426},{"word":"any","start":456.25,"end":456.75,"confidence":0.96875,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.12987031042575836},{"word":"uncertainty","start":456.89,"end":457.39,"confidence":0.7922363,"punctuated_word":"uncertainty,","sentiment":"neutral","sentiment_score":-0.14828382432460785},{"word":"but","start":458.145,"end":458.465,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.13829174637794495},{"word":"ten","start":458.465,"end":458.785,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.1525089144706726},{"word":"years","start":458.785,"end":459.105,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.14087355136871338},{"word":"is","start":459.105,"end":459.26498,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.15060162544250488},{"word":"what","start":459.26498,"end":459.425,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.14883148670196533},{"word":"we've","start":459.425,"end":459.585,"confidence":0.9980469,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.07842974364757538},{"word":"put","start":459.585,"end":459.825,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.07687260210514069},{"word":"in","start":459.825,"end":459.985,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06640227138996124},{"word":"this","start":459.985,"end":460.225,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.06964018940925598},{"word":"document","start":460.225,"end":460.725,"confidence":0.9995117,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":-0.07665054500102997},{"word":"if","start":462.705,"end":462.945,"confidence":0.99609375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.053293656557798386},{"word":"you","start":462.945,"end":463.105,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04176611080765724},{"word":"swing","start":463.105,"end":463.425,"confidence":1.0,"punctuated_word":"swing","sentiment":"neutral","sentiment_score":-0.020510714501142505},{"word":"past","start":463.425,"end":463.665,"confidence":0.9633789,"punctuated_word":"past","sentiment":"neutral","sentiment_score":-0.05350476875901222},{"word":"there","start":463.665,"end":464.165,"confidence":0.7939453,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.048842623829841614},{"word":"last","start":464.545,"end":464.785,"confidence":0.78125,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.05925188213586807},{"word":"couple","start":464.785,"end":465.105,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.05812644585967064},{"word":"of","start":465.105,"end":465.26498,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06537899374961853},{"word":"sort","start":465.26498,"end":465.425,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.07701331377029419},{"word":"of","start":465.425,"end":465.505,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08619039505720139},{"word":"text","start":465.505,"end":465.745,"confidence":0.9863281,"punctuated_word":"text","sentiment":"neutral","sentiment_score":-0.07477380335330963},{"word":"heavy","start":465.745,"end":466.065,"confidence":0.9941406,"punctuated_word":"heavy","sentiment":"neutral","sentiment_score":-0.03752066195011139},{"word":"pages","start":466.065,"end":466.385,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":-0.04680000990629196},{"word":"on","start":466.385,"end":466.625,"confidence":0.9921875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06140793114900589},{"word":"fourteen","start":466.625,"end":467.105,"confidence":0.98828125,"punctuated_word":"fourteen","sentiment":"neutral","sentiment_score":-0.029181577265262604},{"word":"and","start":467.105,"end":467.26498,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05301444977521896},{"word":"fifteen","start":467.26498,"end":467.585,"confidence":0.9921875,"punctuated_word":"fifteen,","sentiment":"neutral","sentiment_score":-0.0398404523730278},{"word":"you'll","start":467.585,"end":467.905,"confidence":0.97802734,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":-0.027807271108031273},{"word":"see","start":467.905,"end":468.145,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.011907599866390228},{"word":"advantages","start":468.145,"end":468.645,"confidence":0.9970703,"punctuated_word":"advantages","sentiment":"neutral","sentiment_score":-0.05668963864445686},{"word":"and","start":468.705,"end":468.945,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10761477053165436},{"word":"disadvantages","start":468.945,"end":469.445,"confidence":1.0,"punctuated_word":"disadvantages","sentiment":"neutral","sentiment_score":-0.10199811309576036},{"word":"in","start":469.665,"end":469.825,"confidence":0.86621094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07867856323719025},{"word":"a","start":469.825,"end":469.905,"confidence":0.86621094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10135617852211},{"word":"bit","start":469.905,"end":469.985,"confidence":0.99316406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08860400319099426},{"word":"of","start":469.985,"end":470.19,"confidence":0.69873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11361084878444672},{"word":"a","start":470.19,"end":470.35,"confidence":0.9560547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09112322330474854},{"word":"table","start":470.35,"end":470.67,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":-0.09140816330909728},{"word":"there","start":470.67,"end":471.17,"confidence":0.99902344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.06434205174446106},{"word":"so","start":473.15,"end":473.47,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.018661361187696457},{"word":"the","start":473.47,"end":473.71,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015801001340150833},{"word":"main","start":473.71,"end":473.95,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.025601394474506375},{"word":"thing","start":473.95,"end":474.27,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.04074595123529434},{"word":"with","start":474.27,"end":474.43,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.011550888419151306},{"word":"all","start":474.43,"end":474.67,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.03837707638740539},{"word":"of","start":474.67,"end":474.83002,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02963226288557053},{"word":"our","start":474.83002,"end":475.07,"confidence":1.0,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.028852522373199463},{"word":"portfolios","start":475.07,"end":475.57,"confidence":0.99609375,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":0.033673666417598724},{"word":"that","start":475.71,"end":475.87,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.035659730434417725},{"word":"we","start":475.87,"end":475.95,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04192373529076576},{"word":"put","start":475.95,"end":476.19,"confidence":0.9902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.04939224570989609},{"word":"together","start":476.19,"end":476.69,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.05556180700659752},{"word":"is","start":476.75,"end":477.23,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03598308935761452},{"word":"brokerage","start":477.23,"end":477.71,"confidence":0.9980469,"punctuated_word":"brokerage","sentiment":"neutral","sentiment_score":0.02627592533826828},{"word":"fees","start":477.71,"end":478.19,"confidence":0.9970703,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.045488521456718445},{"word":"because","start":478.19,"end":478.43,"confidence":0.86279297,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.025853943079710007},{"word":"we","start":478.43,"end":478.59,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.026932131499052048},{"word":"use","start":478.59,"end":478.91,"confidence":0.9980469,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.0009848140180110931},{"word":"etfs","start":478.91,"end":479.41,"confidence":0.9269206,"punctuated_word":"ETFs.","sentiment":"neutral","sentiment_score":0.014734961092472076},{"word":"and","start":479.79,"end":480.11002,"confidence":0.7956543,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.0574265792965889},{"word":"essentially","start":480.11002,"end":480.61002,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.06443411111831665},{"word":"there's","start":480.91,"end":481.15,"confidence":0.9824219,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.08887382596731186},{"word":"a","start":481.15,"end":481.22998,"confidence":0.70996094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12386186420917512},{"word":"that","start":481.31,"end":481.55,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14083777368068695},{"word":"0.11%","start":481.55,"end":482.75,"confidence":0.99785155,"punctuated_word":"0.11%","sentiment":"neutral","sentiment_score":0.07230940461158752},{"word":"you've","start":482.75,"end":482.91,"confidence":0.8989258,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.09045729041099548},{"word":"gotta","start":482.91,"end":483.23,"confidence":0.6850586,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.08440885692834854},{"word":"do","start":483.23,"end":483.39,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06921711564064026},{"word":"to","start":483.39,"end":483.55,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08922809362411499},{"word":"purchase","start":483.55,"end":483.87,"confidence":1.0,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.04751133918762207},{"word":"them","start":483.87,"end":484.335,"confidence":0.9824219,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.0935048758983612},{"word":"once","start":484.41498,"end":484.57498,"confidence":0.99902344,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.1394726186990738},{"word":"you've","start":484.57498,"end":484.695,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.16344518959522247},{"word":"got","start":484.695,"end":484.815,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.13938893377780914},{"word":"them","start":484.815,"end":485.215,"confidence":0.99902344,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.16915833950042725},{"word":"they're","start":485.215,"end":485.375,"confidence":0.98950195,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.20880234241485596},{"word":"kind","start":485.375,"end":485.535,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.25436413288116455},{"word":"of","start":485.535,"end":485.69498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18654029071331024},{"word":"the","start":485.69498,"end":485.85498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13578619062900543},{"word":"lowest","start":485.85498,"end":486.175,"confidence":1.0,"punctuated_word":"lowest","sentiment":"neutral","sentiment_score":0.14808602631092072},{"word":"fee","start":486.175,"end":486.41498,"confidence":0.9970703,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.24054358899593353},{"word":"investments","start":486.41498,"end":486.91498,"confidence":0.75683594,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.11821404099464417},{"word":"going","start":486.975,"end":487.29498,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.20711231231689453},{"word":"forward","start":487.29498,"end":487.79498,"confidence":0.9995117,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.16376154124736786},{"word":"cool","start":490.01498,"end":490.255,"confidence":0.75219727,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4567267298698426},{"word":"if","start":490.255,"end":490.495,"confidence":0.99609375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.2056223303079605},{"word":"you","start":490.495,"end":490.57498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1473456770181656},{"word":"go","start":490.57498,"end":490.815,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.15498574078083038},{"word":"past","start":490.815,"end":491.215,"confidence":0.984375,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.12755993008613586},{"word":"there","start":491.215,"end":491.715,"confidence":0.95996094,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.06483419239521027},{"word":"some","start":491.775,"end":492.01498,"confidence":0.6303711,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.022656872868537903},{"word":"usual","start":492.01498,"end":492.41498,"confidence":0.99902344,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":0.05800839513540268},{"word":"warnings","start":492.41498,"end":492.815,"confidence":0.7729492,"punctuated_word":"warnings.","sentiment":"neutral","sentiment_score":0.021566003561019897},{"word":"we","start":492.815,"end":492.97498,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.019673749804496765},{"word":"can't","start":492.97498,"end":493.215,"confidence":0.9995117,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.08262346684932709},{"word":"control","start":493.215,"end":493.615,"confidence":1.0,"punctuated_word":"control","sentiment":"neutral","sentiment_score":-0.11778537184000017},{"word":"the","start":493.615,"end":493.775,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03780819848179817},{"word":"stock","start":493.775,"end":494.01498,"confidence":0.9951172,"punctuated_word":"stock","sentiment":"neutral","sentiment_score":-0.03275398164987564},{"word":"market","start":494.01498,"end":494.335,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.0006857216358184814},{"word":"in","start":494.335,"end":494.495,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03895908966660499},{"word":"the","start":494.495,"end":494.57498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.033588312566280365},{"word":"world","start":494.57498,"end":495.055,"confidence":0.9790039,"punctuated_word":"world.","sentiment":"neutral","sentiment_score":-0.00159401074051857},{"word":"if","start":495.055,"end":495.215,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.007926974445581436},{"word":"there's","start":495.215,"end":495.455,"confidence":0.99348956,"punctuated_word":"there's,","sentiment":"neutral","sentiment_score":0.001932748593389988},{"word":"you","start":495.455,"end":495.535,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02224142849445343},{"word":"know","start":495.535,"end":495.85498,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0005824174731969833},{"word":"wars","start":495.85498,"end":496.175,"confidence":0.9980469,"punctuated_word":"wars","sentiment":"neutral","sentiment_score":-0.028851093724370003},{"word":"and","start":496.175,"end":496.335,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.038515716791152954},{"word":"financial","start":496.335,"end":496.815,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.05258237570524216},{"word":"crises","start":496.815,"end":497.29498,"confidence":0.8557129,"punctuated_word":"crises,","sentiment":"neutral","sentiment_score":-0.021984025835990902},{"word":"that'll","start":497.29498,"end":497.69498,"confidence":0.9592285,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":-0.009133673273026943},{"word":"impact","start":497.69498,"end":498.095,"confidence":0.9970703,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":-0.025658197700977325},{"word":"things","start":498.095,"end":498.54,"confidence":0.8288574,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.003608215600252151},{"word":"but","start":498.78,"end":499.28,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.013648107647895811},{"word":"we","start":499.66,"end":499.9,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02284356579184532},{"word":"do","start":499.9,"end":500.22,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05368074029684067},{"word":"factor","start":500.22,"end":500.62,"confidence":0.99902344,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.024879060685634613},{"word":"in","start":500.62,"end":500.78,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0682559460401535},{"word":"a","start":500.78,"end":500.86002,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.055611297488212585},{"word":"bit","start":500.86002,"end":501.02002,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06860318034887314},{"word":"of","start":501.02002,"end":501.18002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11438937485218048},{"word":"a","start":501.18002,"end":501.26,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07951249182224274},{"word":"long","start":501.26,"end":501.5,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.030485078692436215},{"word":"term","start":501.5,"end":501.82,"confidence":0.9980469,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.06363536417484283},{"word":"average","start":501.82,"end":502.30002,"confidence":0.99902344,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.005235344171524048},{"word":"because","start":502.30002,"end":502.78,"confidence":0.9301758,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.044996682554483414},{"word":"you","start":502.78,"end":502.94,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.047106385231018066},{"word":"know","start":502.94,"end":503.18002,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.082073874771595},{"word":"every","start":503.18002,"end":503.42,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.06733891367912292},{"word":"five","start":503.42,"end":503.66,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.038239944726228714},{"word":"to","start":503.66,"end":503.74002,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021881528198719025},{"word":"seven","start":503.74002,"end":503.98,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.02247275784611702},{"word":"years","start":503.98,"end":504.22,"confidence":0.8720703,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.03412245213985443},{"word":"there's","start":504.22,"end":504.46002,"confidence":0.99853516,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.042373936623334885},{"word":"something","start":504.46002,"end":504.78,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.05979230627417565},{"word":"going","start":504.78,"end":505.02002,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.013388022780418396},{"word":"on","start":505.02002,"end":505.34,"confidence":0.91186523,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.04393355920910835},{"word":"and","start":505.34,"end":505.58002,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03933652490377426},{"word":"we","start":505.58002,"end":505.9,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04431126266717911},{"word":"need","start":505.9,"end":506.06,"confidence":0.9790039,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.05569623410701752},{"word":"to","start":506.06,"end":506.22,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08914005011320114},{"word":"make","start":506.22,"end":506.38,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08057878911495209},{"word":"sure","start":506.38,"end":506.62,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.09367551654577257},{"word":"you","start":506.62,"end":506.7,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0970308855175972},{"word":"still","start":506.7,"end":506.94,"confidence":0.9941406,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.05347921699285507},{"word":"get","start":506.94,"end":507.1,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.020364604890346527},{"word":"there","start":507.1,"end":507.34,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06320759654045105},{"word":"regardless","start":507.34,"end":507.84,"confidence":0.98706055,"punctuated_word":"regardless.","sentiment":"neutral","sentiment_score":0.04437461122870445},{"word":"awesome","start":509.9,"end":510.4,"confidence":0.97680664,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.5691159963607788},{"word":"now","start":510.54,"end":510.78,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2814452350139618},{"word":"into","start":510.78,"end":511.02002,"confidence":0.9921875,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.15707530081272125},{"word":"the","start":511.02002,"end":511.18,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1709083467721939},{"word":"sort","start":511.18,"end":511.34,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.24412745237350464},{"word":"of","start":511.34,"end":511.5,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16401448845863342},{"word":"detail","start":511.5,"end":511.98,"confidence":0.62841797,"punctuated_word":"detail","sentiment":"neutral","sentiment_score":0.17083443701267242},{"word":"side","start":511.98,"end":512.14,"confidence":0.99609375,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.11580529808998108},{"word":"of","start":512.14,"end":512.3,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1185411885380745},{"word":"things","start":512.3,"end":512.54004,"confidence":0.98950195,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.14697015285491943},{"word":"you'll","start":512.54004,"end":512.86,"confidence":0.9995117,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.13577337563037872},{"word":"see","start":512.86,"end":513.36,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.15710707008838654},{"word":"projections","start":513.80505,"end":514.30505,"confidence":0.99902344,"punctuated_word":"projections","sentiment":"neutral","sentiment_score":0.0851735770702362},{"word":"and","start":514.36505,"end":514.68506,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11515937000513075},{"word":"fee","start":514.68506,"end":515.005,"confidence":0.9223633,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.1253049224615097},{"word":"comparison","start":515.005,"end":515.505,"confidence":1.0,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.11433567851781844},{"word":"on","start":515.565,"end":515.80505,"confidence":0.9921875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11942698806524275},{"word":"page","start":515.80505,"end":516.28503,"confidence":0.9970703,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.12115126848220824},{"word":"sixteen","start":516.28503,"end":516.765,"confidence":0.73913574,"punctuated_word":"sixteen,","sentiment":"neutral","sentiment_score":0.11040911078453064},{"word":"seventeen","start":516.765,"end":517.265,"confidence":0.89575195,"punctuated_word":"seventeen.","sentiment":"neutral","sentiment_score":0.11555922031402588},{"word":"you","start":517.48505,"end":517.565,"confidence":0.5522461,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.08116684854030609},{"word":"should","start":517.565,"end":517.80505,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.1258336752653122},{"word":"see","start":517.80505,"end":517.885,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07458845525979996},{"word":"a","start":517.885,"end":518.04504,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08659297227859497},{"word":"blue","start":518.04504,"end":518.36505,"confidence":1.0,"punctuated_word":"blue","sentiment":"neutral","sentiment_score":0.10096194595098495},{"word":"table","start":518.36505,"end":518.765,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.09643387794494628},{"word":"there","start":518.765,"end":519.265,"confidence":0.9995117,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.09969022125005722},{"word":"so","start":520.92505,"end":521.42505,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.27519941329956055},{"word":"good","start":521.565,"end":521.80505,"confidence":0.9970703,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.52127605676651},{"word":"news","start":521.80505,"end":522.04504,"confidence":1.0,"punctuated_word":"news","sentiment":"positive","sentiment_score":0.5273407101631165},{"word":"for","start":522.04504,"end":522.205,"confidence":0.9951172,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4207383394241333},{"word":"you","start":522.205,"end":522.36505,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.38041895627975464},{"word":"is","start":522.36505,"end":522.60504,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4560348093509674},{"word":"that","start":522.60504,"end":522.84503,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.468519926071167},{"word":"with","start":522.84503,"end":523.085,"confidence":0.9902344,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4248996675014496},{"word":"all","start":523.085,"end":523.325,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.39963772892951965},{"word":"of","start":523.325,"end":523.48505,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3757787346839905},{"word":"the","start":523.48505,"end":523.72504,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3550815284252167},{"word":"investments","start":523.72504,"end":524.125,"confidence":0.72143555,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.23652629554271695},{"word":"which","start":524.125,"end":524.36505,"confidence":0.9951172,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.3099829852581024},{"word":"is","start":524.36505,"end":524.525,"confidence":0.9741211,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.31278300285339355},{"word":"we're","start":524.525,"end":524.765,"confidence":0.9519043,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.3515254259109497},{"word":"looking","start":524.765,"end":525.085,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.31792333722114563},{"word":"to","start":525.085,"end":525.24506,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31744930148124695},{"word":"do","start":525.24506,"end":525.72,"confidence":0.9597168,"punctuated_word":"do,","sentiment":"positive","sentiment_score":0.3641189634799957},{"word":"it","start":525.8,"end":525.95996,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.38083305954933167},{"word":"only","start":525.95996,"end":526.19995,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.27064022421836853},{"word":"came","start":526.19995,"end":526.43994,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.3021289110183716},{"word":"out","start":526.43994,"end":526.68,"confidence":1.0,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.34935396909713745},{"word":"to","start":526.68,"end":526.75995,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.33058851957321167},{"word":"be","start":526.75995,"end":527.0,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.30116748809814453},{"word":"about","start":527.0,"end":527.39996,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.25862300395965576},{"word":"$238","start":527.39996,"end":528.83997,"confidence":0.9946289,"punctuated_word":"$238","sentiment":"neutral","sentiment_score":0.28410613536834717},{"word":"in","start":528.83997,"end":528.92,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3228355348110199},{"word":"terms","start":528.92,"end":529.42,"confidence":1.0,"punctuated_word":"terms","sentiment":"positive","sentiment_score":0.3783528506755829},{"word":"of","start":529.56,"end":529.87994,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.297243595123291},{"word":"capital","start":529.87994,"end":530.36,"confidence":0.99902344,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.18617647886276245},{"word":"gains","start":530.36,"end":530.75995,"confidence":0.99902344,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.18447960913181305},{"word":"tax","start":530.75995,"end":531.24,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.28853243589401245},{"word":"inside","start":531.24,"end":531.72,"confidence":0.9980469,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.241312175989151},{"word":"the","start":531.72,"end":531.87994,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32936277985572815},{"word":"super","start":531.87994,"end":532.37994,"confidence":0.9135742,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4910171627998352},{"word":"from","start":532.68,"end":532.92,"confidence":0.99316406,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.3108386695384979},{"word":"switching","start":532.92,"end":533.31995,"confidence":1.0,"punctuated_word":"switching","sentiment":"neutral","sentiment_score":0.330274760723114},{"word":"everything","start":533.31995,"end":533.72,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.21933703124523163},{"word":"out","start":533.72,"end":534.22,"confidence":0.9951172,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.20645591616630551},{"word":"now","start":536.92,"end":537.42,"confidence":0.6381836,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.18439288437366488},{"word":"i","start":537.48,"end":537.63995,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16077256202697754},{"word":"was","start":537.63995,"end":537.8,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.12966062128543854},{"word":"expecting","start":537.8,"end":538.27997,"confidence":1.0,"punctuated_word":"expecting","sentiment":"neutral","sentiment_score":0.23843879997730255},{"word":"a","start":538.27997,"end":538.36,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2409658879041672},{"word":"few","start":538.36,"end":538.6,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.17155812680721283},{"word":"thousand","start":538.6,"end":539.0,"confidence":0.99316406,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.31770196557044983},{"word":"that","start":539.0,"end":539.16,"confidence":0.70214844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.27354860305786133},{"word":"came","start":539.16,"end":539.39996,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.2588752508163452},{"word":"out","start":539.39996,"end":539.56,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.27619123458862305},{"word":"really","start":539.56,"end":539.8,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.32419446110725403},{"word":"good","start":539.8,"end":540.105,"confidence":0.951416,"punctuated_word":"good,","sentiment":"neutral","sentiment_score":0.2728613317012787},{"word":"and","start":540.425,"end":540.925,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2483435869216919},{"word":"we're","start":541.305,"end":541.46497,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.3175417184829712},{"word":"dropping","start":541.46497,"end":541.865,"confidence":1.0,"punctuated_word":"dropping","sentiment":"neutral","sentiment_score":0.28839409351348877},{"word":"the","start":541.865,"end":542.02496,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27796149253845215},{"word":"investment","start":542.02496,"end":542.425,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.10071228444576263},{"word":"fees","start":542.425,"end":542.82495,"confidence":0.9970703,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.18116021156311035},{"word":"by","start":542.82495,"end":543.225,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.20654891431331637},{"word":"about","start":543.225,"end":543.46497,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1812794804573059},{"word":"the","start":543.46497,"end":543.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16741378605365753},{"word":"same","start":543.625,"end":543.865,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.17114505171775818},{"word":"amount","start":543.865,"end":544.365,"confidence":0.64404297,"punctuated_word":"amount,","sentiment":"neutral","sentiment_score":0.1509999930858612},{"word":"and","start":545.14496,"end":545.46497,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14194054901599884},{"word":"it's","start":545.46497,"end":545.70496,"confidence":0.9663086,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.15149366855621338},{"word":"percentage","start":545.70496,"end":546.185,"confidence":0.9902344,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.1688348650932312},{"word":"based","start":546.185,"end":546.425,"confidence":0.9501953,"punctuated_word":"based.","sentiment":"neutral","sentiment_score":0.15010206401348114},{"word":"so","start":546.425,"end":546.58496,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11892656981945038},{"word":"the","start":546.58496,"end":546.745,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14708101749420166},{"word":"larger","start":546.745,"end":546.985,"confidence":0.99316406,"punctuated_word":"larger","sentiment":"neutral","sentiment_score":0.2019021064043045},{"word":"your","start":546.985,"end":547.14496,"confidence":0.96875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1408945918083191},{"word":"balance","start":547.14496,"end":547.46497,"confidence":0.9980469,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.09960216283798218},{"word":"grows","start":547.46497,"end":547.785,"confidence":0.99560547,"punctuated_word":"grows,","sentiment":"neutral","sentiment_score":0.15472303330898285},{"word":"the","start":547.785,"end":547.945,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11722519993782043},{"word":"more","start":547.945,"end":548.105,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.10829503834247588},{"word":"fee","start":548.105,"end":548.345,"confidence":0.9741211,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.15369009971618652},{"word":"savings","start":548.345,"end":548.745,"confidence":0.99902344,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.10935336351394652},{"word":"there","start":548.745,"end":548.985,"confidence":0.87841797,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1822084039449692},{"word":"will","start":548.985,"end":549.225,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.18094433844089508},{"word":"be","start":549.225,"end":549.725,"confidence":1.0,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":0.1211836040019989},{"word":"the","start":551.625,"end":551.865,"confidence":0.94189453,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.04299692437052727},{"word":"admin","start":551.865,"end":552.185,"confidence":1.0,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":-0.0941932126879692},{"word":"fees","start":552.185,"end":552.505,"confidence":0.9980469,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.0684608519077301},{"word":"go","start":552.505,"end":552.665,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.057208701968193054},{"word":"up","start":552.665,"end":552.82495,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.04662840813398361},{"word":"a","start":552.82495,"end":552.90497,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1042313426733017},{"word":"little","start":552.90497,"end":553.065,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.12833869457244873},{"word":"bit","start":553.065,"end":553.225,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1117074489593506},{"word":"because","start":553.225,"end":553.545,"confidence":0.91259766,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.12164047360420228},{"word":"obviously","start":553.545,"end":553.865,"confidence":0.59521484,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.12754017114639282},{"word":"hub","start":553.865,"end":554.02496,"confidence":0.47583008,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":-0.1517566740512848},{"word":"twenty","start":554.02496,"end":554.345,"confidence":0.9970703,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.18655161559581757},{"word":"four","start":554.345,"end":554.505,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.20315280556678772},{"word":"is","start":554.505,"end":554.665,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2089800238609314},{"word":"a","start":554.665,"end":554.745,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15335670113563538},{"word":"bit","start":554.745,"end":554.90497,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2007303237915039},{"word":"more","start":554.90497,"end":555.065,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.15940330922603607},{"word":"expensive","start":555.065,"end":555.545,"confidence":0.99902344,"punctuated_word":"expensive","sentiment":"neutral","sentiment_score":-0.07312972843647003},{"word":"than","start":555.545,"end":555.785,"confidence":0.98095703,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.1767335683107376},{"word":"rest","start":555.785,"end":556.02,"confidence":0.93408203,"punctuated_word":"rest.","sentiment":"neutral","sentiment_score":-0.10360071808099748},{"word":"long","start":558.58,"end":559.06,"confidence":0.95703125,"punctuated_word":"Long","sentiment":"neutral","sentiment_score":-0.019845226779580116},{"word":"average","start":559.06,"end":559.46,"confidence":0.6269531,"punctuated_word":"average.","sentiment":"neutral","sentiment_score":-0.013459786772727966},{"word":"so","start":559.46,"end":559.62,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.004172753542661667},{"word":"this","start":559.62,"end":559.78,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.02026055753231049},{"word":"one","start":559.78,"end":559.94,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03545999526977539},{"word":"was","start":559.94,"end":560.10004,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.06784943491220474},{"word":"a","start":560.10004,"end":560.18,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.052474915981292725},{"word":"bit","start":560.18,"end":560.42004,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0828571766614914},{"word":"strange","start":560.42004,"end":560.74,"confidence":0.99658203,"punctuated_word":"strange.","sentiment":"neutral","sentiment_score":-0.09310850501060486},{"word":"i","start":560.74,"end":560.9,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06268547475337982},{"word":"have","start":560.9,"end":561.06,"confidence":0.99316406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0684158056974411},{"word":"kind","start":561.06,"end":561.30005,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.05840517953038216},{"word":"of","start":561.30005,"end":561.46,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03995866701006889},{"word":"split","start":561.46,"end":561.78,"confidence":1.0,"punctuated_word":"split","sentiment":"neutral","sentiment_score":-0.05419722571969032},{"word":"the","start":561.78,"end":561.94,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.041415467858314514},{"word":"performance","start":561.94,"end":562.44,"confidence":1.0,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":-0.04141394793987274},{"word":"on","start":562.5,"end":562.66003,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.008203878998756409},{"word":"the","start":562.66003,"end":562.82,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019474327564239505},{"word":"next","start":562.82,"end":563.22003,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.02613755315542221},{"word":"page","start":563.22003,"end":563.62,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.02317759394645691},{"word":"for","start":563.62,"end":563.86005,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01986272633075714},{"word":"you","start":563.86005,"end":564.34,"confidence":0.9460449,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.004400264471769333},{"word":"but","start":564.34,"end":564.58,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0057747699320316315},{"word":"the","start":564.58,"end":564.74,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.001754269003868103},{"word":"long","start":564.74,"end":564.9,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.010513059794902802},{"word":"term","start":564.9,"end":565.22003,"confidence":0.99902344,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.03529660776257515},{"word":"average","start":565.22003,"end":565.62,"confidence":0.99902344,"punctuated_word":"average","sentiment":"neutral","sentiment_score":-0.00945797562599182},{"word":"goes","start":565.62,"end":565.86005,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.011437766253948212},{"word":"from","start":565.86005,"end":566.10004,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.015866070985794067},{"word":"about","start":566.10004,"end":566.42004,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.01742018759250641},{"word":"5%","start":566.42004,"end":567.06,"confidence":1.0,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.021106520667672157},{"word":"to","start":567.06,"end":567.30005,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0010337531566619873},{"word":"11","start":567.30005,"end":568.2,"confidence":0.87719727,"punctuated_word":"11,","sentiment":"neutral","sentiment_score":0.0039267465472221375},{"word":"and","start":568.385,"end":568.545,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.033979739993810654},{"word":"that's","start":568.545,"end":568.785,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0310133658349514},{"word":"a","start":568.785,"end":568.945,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04168890416622162},{"word":"combination","start":568.945,"end":569.445,"confidence":1.0,"punctuated_word":"combination","sentiment":"neutral","sentiment_score":0.04517523944377899},{"word":"of","start":569.505,"end":569.665,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04191790521144867},{"word":"what","start":569.665,"end":569.985,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.033015668392181396},{"word":"rest","start":569.985,"end":570.305,"confidence":0.4050293,"punctuated_word":"REST","sentiment":"neutral","sentiment_score":0.01394130289554596},{"word":"was","start":570.305,"end":570.545,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.011948078870773315},{"word":"doing","start":570.545,"end":571.045,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.021572336554527283},{"word":"plus","start":571.345,"end":571.585,"confidence":0.7133789,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.020601391792297363},{"word":"a","start":571.585,"end":571.745,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0024562515318393707},{"word":"couple","start":571.745,"end":571.985,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.009260140359401705},{"word":"of","start":571.985,"end":572.145,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.012151256203651428},{"word":"options","start":572.145,"end":572.545,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":-0.044553954154253006},{"word":"inside","start":572.545,"end":572.945,"confidence":0.9902344,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":-0.05949556082487106},{"word":"hub","start":572.945,"end":573.185,"confidence":0.6274414,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":-0.062254711985588074},{"word":"that","start":573.185,"end":573.345,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.060204192996025085},{"word":"weren't","start":573.345,"end":573.585,"confidence":0.99658203,"punctuated_word":"weren't","sentiment":"neutral","sentiment_score":-0.06261271238327026},{"word":"doing","start":573.585,"end":573.90497,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.0269550159573555},{"word":"too","start":573.90497,"end":574.065,"confidence":0.9951172,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.04659546911716461},{"word":"well","start":574.065,"end":574.565,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.020289115607738495},{"word":"that","start":574.625,"end":574.865,"confidence":0.75341797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.023494094610214233},{"word":"we're","start":574.865,"end":575.185,"confidence":0.9926758,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.02789035066962242},{"word":"switching","start":575.185,"end":575.585,"confidence":1.0,"punctuated_word":"switching","sentiment":"neutral","sentiment_score":0.007874079048633575},{"word":"out","start":575.585,"end":575.745,"confidence":0.99316406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.02788059040904045},{"word":"for","start":575.745,"end":575.985,"confidence":0.98095703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0151325985789299},{"word":"both","start":575.985,"end":576.225,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.009704798460006714},{"word":"of","start":576.225,"end":576.385,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.009311236441135406},{"word":"those","start":576.385,"end":576.885,"confidence":0.98291016,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":0.009873822331428528},{"word":"so","start":577.02496,"end":577.265,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12847349047660828},{"word":"it's","start":577.265,"end":577.505,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.27763280272483826},{"word":"a","start":577.505,"end":577.665,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.34830376505851746},{"word":"pretty","start":577.665,"end":578.165,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3876034915447235},{"word":"large","start":578.625,"end":579.125,"confidence":1.0,"punctuated_word":"large","sentiment":"positive","sentiment_score":0.4839564561843872},{"word":"impact","start":579.665,"end":580.165,"confidence":1.0,"punctuated_word":"impact","sentiment":"positive","sentiment_score":0.41225236654281616},{"word":"to","start":580.48,"end":580.64,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.46487703919410706},{"word":"get","start":580.64,"end":580.8,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4663929343223572},{"word":"you","start":580.8,"end":580.96,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4695074260234833},{"word":"back","start":580.96,"end":581.2,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.4062104821205139},{"word":"up","start":581.2,"end":581.36,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3521081805229187},{"word":"into","start":581.36,"end":581.60004,"confidence":1.0,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.38271987438201904},{"word":"the","start":581.60004,"end":581.68,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.37515830993652344},{"word":"double","start":581.68,"end":582.0,"confidence":1.0,"punctuated_word":"double","sentiment":"positive","sentiment_score":0.35563328862190247},{"word":"digits","start":582.0,"end":582.5,"confidence":0.9995117,"punctuated_word":"digits.","sentiment":"positive","sentiment_score":0.3380223512649536},{"word":"projections","start":585.52,"end":586.02,"confidence":0.94189453,"punctuated_word":"Projections","sentiment":"neutral","sentiment_score":0.144954115152359},{"word":"wise","start":586.24,"end":586.74,"confidence":0.99560547,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.1582087278366089},{"word":"bit","start":587.2,"end":587.36,"confidence":0.72558594,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12897497415542605},{"word":"of","start":587.36,"end":587.52,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1031048595905304},{"word":"a","start":587.52,"end":587.60004,"confidence":0.9140625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06073134019970894},{"word":"grain","start":587.60004,"end":587.84,"confidence":0.99609375,"punctuated_word":"grain","sentiment":"neutral","sentiment_score":0.003703758120536804},{"word":"of","start":587.84,"end":588.0,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03975726664066315},{"word":"salt","start":588.0,"end":588.32,"confidence":0.89819336,"punctuated_word":"salt.","sentiment":"neutral","sentiment_score":0.08153531700372696},{"word":"we're","start":588.32,"end":588.56,"confidence":0.99853516,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.16270193457603457},{"word":"thinking","start":588.56,"end":588.96,"confidence":1.0,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.161349818110466},{"word":"over","start":588.96,"end":589.2,"confidence":0.9350586,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.22082829475402832},{"word":"the","start":589.2,"end":589.28,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2222006767988205},{"word":"next","start":589.28,"end":589.52,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.2090077698230743},{"word":"ten","start":589.52,"end":589.76,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.1989380121231079},{"word":"years","start":589.76,"end":590.16003,"confidence":0.8925781,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.21295514702796936},{"word":"an","start":590.16003,"end":590.4,"confidence":0.9921875,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.34711092710494995},{"word":"additional","start":590.4,"end":590.88,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.2673923373222351},{"word":"50,000","start":590.88,"end":591.78,"confidence":1.0,"punctuated_word":"50,000","sentiment":"positive","sentiment_score":0.33744826912879944},{"word":"in","start":591.84,"end":592.0,"confidence":0.99609375,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.35396838188171387},{"word":"your","start":592.0,"end":592.24,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3397567570209503},{"word":"balance","start":592.24,"end":592.74,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.22022882103919983},{"word":"is","start":592.8,"end":593.04,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2595154941082001},{"word":"pretty","start":593.04,"end":593.36,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.32944491505622864},{"word":"accurate","start":593.36,"end":593.86,"confidence":1.0,"punctuated_word":"accurate","sentiment":"neutral","sentiment_score":0.2458014041185379},{"word":"for","start":594.35504,"end":594.675,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.31175723671913147},{"word":"the","start":594.675,"end":594.91504,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26179367303848267},{"word":"performance","start":594.91504,"end":595.395,"confidence":1.0,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.2714375853538513},{"word":"and","start":595.395,"end":595.635,"confidence":0.9526367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3107582926750183},{"word":"fees","start":595.635,"end":595.875,"confidence":0.6748047,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.31210294365882874},{"word":"and","start":595.875,"end":596.03503,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30901992321014404},{"word":"everything","start":596.03503,"end":596.53503,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.3212719261646271},{"word":"all","start":596.59503,"end":596.755,"confidence":0.5415039,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.29397696256637573},{"word":"is","start":596.755,"end":596.91504,"confidence":0.7050781,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3078717887401581},{"word":"said","start":596.91504,"end":597.155,"confidence":0.96435547,"punctuated_word":"said","sentiment":"positive","sentiment_score":0.3544338345527649},{"word":"and","start":597.155,"end":597.23505,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3118670880794525},{"word":"done","start":597.23505,"end":597.73505,"confidence":0.77490234,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.23417912423610687},{"word":"obviously","start":597.79504,"end":598.115,"confidence":0.9343262,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.09139427542686462},{"word":"not","start":598.115,"end":598.35504,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.09992099553346634},{"word":"factoring","start":598.35504,"end":598.755,"confidence":1.0,"punctuated_word":"factoring","sentiment":"neutral","sentiment_score":0.08857698738574982},{"word":"in","start":598.755,"end":599.075,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07332060486078262},{"word":"additional","start":599.075,"end":599.575,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.03577180206775665},{"word":"work","start":599.635,"end":599.875,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.023670561611652374},{"word":"hours","start":599.875,"end":600.375,"confidence":1.0,"punctuated_word":"hours.","sentiment":"neutral","sentiment_score":0.030468134209513664},{"word":"on","start":602.995,"end":603.23505,"confidence":0.71435547,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.075285904109478},{"word":"the","start":603.23505,"end":603.315,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06833204627037048},{"word":"next","start":603.315,"end":603.635,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.053102221339941025},{"word":"page","start":603.635,"end":603.955,"confidence":0.99658203,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.06865938007831573},{"word":"you'll","start":603.955,"end":604.275,"confidence":0.99902344,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.06584989279508591},{"word":"see","start":604.275,"end":604.675,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1037914827466011},{"word":"that","start":604.675,"end":604.91504,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0922676995396614},{"word":"full","start":604.91504,"end":605.23505,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.09777246415615082},{"word":"breakdown","start":605.23505,"end":605.73505,"confidence":0.9526367,"punctuated_word":"breakdown,","sentiment":"neutral","sentiment_score":0.08694054186344147},{"word":"and","start":606.12994,"end":606.44995,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08867091685533524},{"word":"that's","start":606.44995,"end":606.68994,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.09923440217971802},{"word":"really","start":606.68994,"end":607.00995,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.09294241666793825},{"word":"just","start":607.00995,"end":607.25,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.093121275305748},{"word":"showing","start":607.25,"end":607.56995,"confidence":1.0,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.0946437269449234},{"word":"you","start":607.56995,"end":608.05,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10039627552032472},{"word":"the","start":608.05,"end":608.55,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08461347222328186},{"word":"combined","start":608.68994,"end":609.18994,"confidence":0.96875,"punctuated_word":"combined","sentiment":"neutral","sentiment_score":0.07058881223201752},{"word":"balances","start":609.41,"end":609.91,"confidence":1.0,"punctuated_word":"balances","sentiment":"neutral","sentiment_score":0.0951603502035141},{"word":"where","start":610.52997,"end":610.76996,"confidence":0.7216797,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.08932249248027802},{"word":"it","start":610.76996,"end":610.85,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0976397544145584},{"word":"was","start":610.85,"end":611.17,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04849996045231819},{"word":"and","start":611.17,"end":611.32996,"confidence":0.42456055,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09398182481527328},{"word":"where","start":611.32996,"end":611.49,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.053618453443050385},{"word":"it's","start":611.49,"end":611.81,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06578393280506134},{"word":"going","start":611.81,"end":612.12994,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.06589292734861374},{"word":"to","start":612.12994,"end":612.62994,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06182257831096649},{"word":"and","start":612.76996,"end":612.93,"confidence":0.49658203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0511869415640831},{"word":"then","start":612.93,"end":613.17,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04978402331471443},{"word":"a","start":613.17,"end":613.41,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.052731774747371674},{"word":"split","start":613.41,"end":613.73,"confidence":1.0,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.03426070883870125},{"word":"between","start":613.73,"end":614.23,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.03474915400147438},{"word":"the","start":615.00995,"end":615.17,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0454026572406292},{"word":"old","start":615.17,"end":615.41,"confidence":1.0,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.02004522643983364},{"word":"hub","start":615.41,"end":615.64996,"confidence":0.5751953,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.03143800050020218},{"word":"twenty","start":615.64996,"end":616.05,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.04276449233293533},{"word":"four","start":616.05,"end":616.37,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.035631369799375534},{"word":"portfolio","start":616.37,"end":616.87,"confidence":0.98706055,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.03283633291721344},{"word":"the","start":616.93,"end":617.08997,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.051271721720695496},{"word":"new","start":617.08997,"end":617.32996,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.06259628385305405},{"word":"one","start":617.32996,"end":617.82996,"confidence":0.9885254,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.06929542124271393},{"word":"the","start":617.88995,"end":618.05,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0743989646434784},{"word":"old","start":618.05,"end":618.29,"confidence":1.0,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.05005301535129547},{"word":"rest","start":618.29,"end":618.61,"confidence":0.59375,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.04525521397590637},{"word":"portfolio","start":618.61,"end":619.11,"confidence":0.98999023,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.06291171908378601},{"word":"the","start":619.32996,"end":619.49,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07487477362155914},{"word":"new","start":619.49,"end":619.64996,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.0706629753112793},{"word":"one","start":619.64996,"end":620.145,"confidence":0.9941406,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.07906918227672577},{"word":"and","start":620.385,"end":620.625,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07915278524160385},{"word":"what","start":620.625,"end":620.865,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17088161408901217},{"word":"i'm","start":620.865,"end":621.34503,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.16928324103355408},{"word":"basically","start":621.34503,"end":621.825,"confidence":0.9951172,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.15634727478027344},{"word":"trying","start":621.825,"end":621.98505,"confidence":0.9980469,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.12201887369155884},{"word":"to","start":621.98505,"end":622.145,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14255525171756744},{"word":"do","start":622.145,"end":622.385,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14505010843276978},{"word":"is","start":622.385,"end":622.625,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1269659698009491},{"word":"trying","start":622.625,"end":622.745,"confidence":0.7758789,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.12367229163646698},{"word":"to","start":622.745,"end":622.865,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15794047713279724},{"word":"get","start":622.865,"end":623.10504,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.14965425431728363},{"word":"as","start":623.10504,"end":623.265,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15301337838172913},{"word":"many","start":623.265,"end":623.505,"confidence":1.0,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.17053820192813873},{"word":"of","start":623.505,"end":623.585,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18301527202129364},{"word":"them","start":623.585,"end":623.825,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1788116991519928},{"word":"in","start":623.825,"end":623.905,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16027028858661652},{"word":"line","start":623.905,"end":624.145,"confidence":1.0,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.21866825222969055},{"word":"with","start":624.145,"end":624.385,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20703603327274325},{"word":"double","start":624.385,"end":624.705,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.2079605758190155},{"word":"digit","start":624.705,"end":625.025,"confidence":1.0,"punctuated_word":"digit","sentiment":"neutral","sentiment_score":0.22735315561294556},{"word":"consistency","start":625.025,"end":625.525,"confidence":0.99902344,"punctuated_word":"consistency","sentiment":"neutral","sentiment_score":0.12965504825115204},{"word":"across","start":625.745,"end":626.145,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.14249607920646667},{"word":"all","start":626.145,"end":626.385,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.13387267291545868},{"word":"time","start":626.385,"end":626.625,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.11028891801834106},{"word":"periods","start":626.625,"end":627.125,"confidence":0.9970703,"punctuated_word":"periods.","sentiment":"neutral","sentiment_score":0.0947963520884514},{"word":"rest","start":628.625,"end":628.865,"confidence":0.921875,"punctuated_word":"Rest","sentiment":"neutral","sentiment_score":0.06148245930671692},{"word":"is","start":628.865,"end":629.025,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02793322503566742},{"word":"a","start":629.025,"end":629.185,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03489823266863823},{"word":"little","start":629.185,"end":629.42505,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.028118856251239777},{"word":"bit","start":629.42505,"end":629.66504,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0145178884267807},{"word":"behind","start":629.66504,"end":630.065,"confidence":1.0,"punctuated_word":"behind","sentiment":"neutral","sentiment_score":-0.05465850979089737},{"word":"in","start":630.065,"end":630.305,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0628892332315445},{"word":"five","start":630.305,"end":630.465,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.04918543249368667},{"word":"and","start":630.465,"end":630.705,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04308823123574257},{"word":"ten","start":630.705,"end":630.865,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.012789692729711533},{"word":"years","start":630.865,"end":631.185,"confidence":0.9970703,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.008631952106952667},{"word":"but","start":631.185,"end":631.34503,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03590086102485657},{"word":"it's","start":631.34503,"end":631.585,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08158880472183228},{"word":"not","start":631.585,"end":631.905,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.06612315773963928},{"word":"too","start":631.905,"end":632.065,"confidence":0.9970703,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.03010718524456024},{"word":"bad","start":632.065,"end":632.565,"confidence":0.9980469,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":0.041703961789608},{"word":"i","start":632.705,"end":632.865,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09592811018228532},{"word":"would","start":632.865,"end":633.10504,"confidence":0.99609375,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.13511890172958374},{"word":"prefer","start":633.10504,"end":633.45,"confidence":0.61083984,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.12292125076055528},{"word":"prefer","start":633.53,"end":633.69,"confidence":0.9091797,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.17834851145744324},{"word":"you","start":633.69,"end":633.81,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2017926722764969},{"word":"to","start":633.81,"end":633.93,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.212016761302948},{"word":"keep","start":633.93,"end":634.41003,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2327288389205933},{"word":"them","start":634.41003,"end":634.91003,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.20873785018920896},{"word":"in","start":635.29004,"end":635.37,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.179780974984169},{"word":"a","start":635.37,"end":635.53,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21035923063755035},{"word":"high","start":635.53,"end":635.77,"confidence":1.0,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.2178598195314407},{"word":"growth","start":635.77,"end":636.01,"confidence":1.0,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2856709957122803},{"word":"option","start":636.01,"end":636.51,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.16220960021018982},{"word":"for","start":636.73004,"end":636.97003,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1333238184452057},{"word":"as","start":636.97003,"end":637.05,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16890989243984222},{"word":"long","start":637.05,"end":637.29004,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.21383550763130188},{"word":"as","start":637.29004,"end":637.45,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17022985219955444},{"word":"you","start":637.45,"end":637.61,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2416270077228546},{"word":"can","start":637.61,"end":638.09,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.23376715183258057},{"word":"rather","start":638.09,"end":638.41003,"confidence":0.9038086,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":0.1561412811279297},{"word":"than","start":638.41003,"end":638.65,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.1088704839348793},{"word":"keeping","start":638.65,"end":638.97003,"confidence":1.0,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.029080316424369812},{"word":"it","start":638.97003,"end":639.05,"confidence":0.98291016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09290961176156998},{"word":"in","start":639.05,"end":639.29004,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0841512456536293},{"word":"the","start":639.29004,"end":639.37,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1470294892787933},{"word":"current","start":639.37,"end":639.77,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.060861736536026},{"word":"growth","start":639.77,"end":640.01,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.049769096076488495},{"word":"option","start":640.01,"end":640.51,"confidence":1.0,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":0.118374265730381},{"word":"so","start":646.89,"end":647.21,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.042571283876895905},{"word":"you","start":647.21,"end":647.45,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06518018990755081},{"word":"can","start":647.45,"end":647.77,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07047344744205475},{"word":"do","start":647.77,"end":647.85004,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0852547436952591},{"word":"it","start":647.85004,"end":648.17,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08624500781297684},{"word":"online","start":648.17,"end":648.67,"confidence":0.9951172,"punctuated_word":"online,","sentiment":"neutral","sentiment_score":0.09783662110567092},{"word":"but","start":648.89,"end":649.13,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0748949944972992},{"word":"we","start":649.13,"end":649.425,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0944015085697174},{"word":"can","start":649.505,"end":649.745,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09740013629198074},{"word":"fill","start":649.745,"end":649.90497,"confidence":1.0,"punctuated_word":"fill","sentiment":"neutral","sentiment_score":0.14335305988788605},{"word":"out","start":649.90497,"end":650.14496,"confidence":0.93066406,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.112370066344738},{"word":"like","start":650.14496,"end":650.385,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11967212706804276},{"word":"an","start":650.385,"end":650.625,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.13506527245044708},{"word":"investment","start":650.625,"end":651.125,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.08377701044082642},{"word":"switch","start":651.185,"end":651.58496,"confidence":0.99902344,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.060207150876522064},{"word":"form","start":651.58496,"end":652.08496,"confidence":0.98706055,"punctuated_word":"form,","sentiment":"neutral","sentiment_score":0.09599795937538148},{"word":"send","start":652.225,"end":652.385,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1248256042599678},{"word":"it","start":652.385,"end":652.625,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13076680898666382},{"word":"through","start":652.625,"end":652.785,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08413317054510117},{"word":"to","start":652.785,"end":652.945,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11072874069213869},{"word":"you","start":652.945,"end":653.185,"confidence":0.9904785,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.1021658331155777},{"word":"like","start":653.185,"end":653.425,"confidence":0.99609375,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10774566233158112},{"word":"prefilled","start":653.425,"end":653.925,"confidence":0.9279785,"punctuated_word":"prefilled","sentiment":"neutral","sentiment_score":0.14570263028144836},{"word":"with","start":654.065,"end":654.305,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12248557806015016},{"word":"some","start":654.305,"end":654.46497,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07193109393119812},{"word":"forward","start":654.46497,"end":654.785,"confidence":0.94628906,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.05604876950383186},{"word":"on","start":654.785,"end":655.105,"confidence":0.9921875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05764976516366005},{"word":"envelopes","start":655.105,"end":655.58496,"confidence":0.98795575,"punctuated_word":"envelopes,","sentiment":"neutral","sentiment_score":0.0640873834490776},{"word":"which","start":655.58496,"end":655.90497,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.04309326037764549},{"word":"if","start":655.90497,"end":656.065,"confidence":0.5317383,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04050423577427864},{"word":"that's","start":656.065,"end":656.385,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0164177343249321},{"word":"helpful","start":656.385,"end":656.885,"confidence":0.798584,"punctuated_word":"helpful,","sentiment":"neutral","sentiment_score":0.008273132145404816},{"word":"unless","start":657.185,"end":657.505,"confidence":0.9980469,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.0008194036781787872},{"word":"you're","start":657.505,"end":657.745,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.008958677761256695},{"word":"comfortable","start":657.745,"end":658.225,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.0022419914603233337},{"word":"yeah","start":658.785,"end":659.285,"confidence":0.986084,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08832163363695145},{"word":"that'll","start":659.345,"end":659.665,"confidence":0.9025879,"punctuated_word":"That'll","sentiment":"neutral","sentiment_score":0.1053127497434616},{"word":"be","start":659.665,"end":659.825,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13711997866630554},{"word":"good","start":659.825,"end":660.325,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.15476728975772858},{"word":"i'll","start":660.46497,"end":660.705,"confidence":0.85839844,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.005913473665714264},{"word":"fair","start":666.35,"end":666.67,"confidence":0.96533203,"punctuated_word":"fair","sentiment":"neutral","sentiment_score":0.07866188883781433},{"word":"enough","start":666.67,"end":667.07,"confidence":0.9970703,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":0.07693427801132202},{"word":"so","start":667.07,"end":667.31,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06987182796001434},{"word":"i'll","start":667.31,"end":667.47,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08579690754413605},{"word":"get","start":667.47,"end":667.63,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11274772137403488},{"word":"the","start":667.63,"end":667.79,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1168251931667328},{"word":"team","start":667.79,"end":667.95,"confidence":0.9819336,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.09768929332494736},{"word":"to","start":667.95,"end":668.19,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1429547667503357},{"word":"prefill","start":668.19,"end":668.67,"confidence":0.82250977,"punctuated_word":"prefill","sentiment":"neutral","sentiment_score":0.1529784798622131},{"word":"that","start":668.67,"end":668.91,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12751969695091248},{"word":"along","start":668.91,"end":669.23,"confidence":0.9980469,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.1310112327337265},{"word":"with","start":669.23,"end":669.39,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1416841447353363},{"word":"it","start":669.39,"end":669.89,"confidence":0.99853516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.12203821539878844},{"word":"everything","start":670.11,"end":670.61,"confidence":0.86572266,"punctuated_word":"Everything","sentiment":"neutral","sentiment_score":0.3282480239868164},{"word":"relating","start":670.67,"end":671.17,"confidence":1.0,"punctuated_word":"relating","sentiment":"neutral","sentiment_score":0.32130688428878784},{"word":"to","start":671.23,"end":671.55,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05677478760480881},{"word":"hub","start":671.55,"end":671.79,"confidence":0.5097656,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.08559563010931015},{"word":"in","start":671.79,"end":671.95,"confidence":0.97998047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06397967785596848},{"word":"terms","start":671.95,"end":672.19,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.06646525114774704},{"word":"of","start":672.19,"end":672.35,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0652535930275917},{"word":"rollovers","start":672.35,"end":672.85,"confidence":0.9760742,"punctuated_word":"rollovers","sentiment":"neutral","sentiment_score":0.09557873010635376},{"word":"and","start":672.91,"end":673.07,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10068320482969284},{"word":"switches","start":673.07,"end":673.47,"confidence":0.9453125,"punctuated_word":"switches,","sentiment":"neutral","sentiment_score":0.1132204681634903},{"word":"we","start":673.47,"end":673.63,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08780182152986526},{"word":"do","start":673.63,"end":673.87,"confidence":0.97509766,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10508154332637788},{"word":"online","start":673.87,"end":674.26996,"confidence":0.99902344,"punctuated_word":"online","sentiment":"neutral","sentiment_score":0.14513343572616577},{"word":"because","start":674.26996,"end":674.51,"confidence":0.92578125,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.095302052795887},{"word":"we've","start":674.51,"end":674.75,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.10766158998012544},{"word":"got","start":674.75,"end":674.91,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1356986165046692},{"word":"transaction","start":674.91,"end":675.41,"confidence":0.70703125,"punctuated_word":"transaction","sentiment":"neutral","sentiment_score":0.1361994445323944},{"word":"access","start":675.63,"end":676.125,"confidence":0.8039551,"punctuated_word":"access,","sentiment":"neutral","sentiment_score":0.08847135305404663},{"word":"and","start":676.205,"end":676.525,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07769310474395752},{"word":"rest","start":676.525,"end":676.605,"confidence":0.96533203,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.11494103819131853},{"word":"would","start":676.605,"end":676.845,"confidence":0.55029297,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.10392575711011888},{"word":"just","start":676.845,"end":677.165,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08804583549499512},{"word":"be","start":677.165,"end":677.245,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12310458719730376},{"word":"a","start":677.245,"end":677.325,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07969004660844803},{"word":"form","start":677.325,"end":677.825,"confidence":0.99658203,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.07285581529140472},{"word":"alrighty","start":680.205,"end":680.705,"confidence":0.9847005,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.1849335730075836},{"word":"past","start":681.485,"end":681.885,"confidence":0.6489258,"punctuated_word":"Past","sentiment":"neutral","sentiment_score":0.06890317052602768},{"word":"there","start":681.885,"end":682.365,"confidence":0.8334961,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.04534999281167984},{"word":"so","start":682.365,"end":682.685,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.037881046533584595},{"word":"last","start":682.685,"end":683.085,"confidence":0.8964844,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.03936857730150223},{"word":"two","start":683.085,"end":683.325,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0359329879283905},{"word":"tables","start":683.325,"end":683.805,"confidence":1.0,"punctuated_word":"tables","sentiment":"neutral","sentiment_score":0.05900478735566139},{"word":"for","start":683.805,"end":683.965,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05471774563193321},{"word":"you","start":683.965,"end":684.465,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0711921975016594},{"word":"is","start":684.605,"end":685.105,"confidence":0.98291016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06275295466184616},{"word":"investments","start":685.165,"end":685.665,"confidence":0.70373535,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.05835145711898804},{"word":"red","start":685.965,"end":686.285,"confidence":0.99121094,"punctuated_word":"red","sentiment":"neutral","sentiment_score":0.07918492704629898},{"word":"heading","start":686.285,"end":686.765,"confidence":0.9550781,"punctuated_word":"heading","sentiment":"neutral","sentiment_score":0.07935633510351181},{"word":"on","start":686.765,"end":686.925,"confidence":0.9819336,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0735335573554039},{"word":"pages","start":686.925,"end":687.425,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.0958930253982544},{"word":"eighteen","start":687.485,"end":687.885,"confidence":0.9980469,"punctuated_word":"eighteen","sentiment":"neutral","sentiment_score":0.09977754950523376},{"word":"and","start":687.885,"end":688.045,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06771688163280487},{"word":"nineteen","start":688.045,"end":688.545,"confidence":0.82470703,"punctuated_word":"nineteen.","sentiment":"neutral","sentiment_score":0.10252277553081512},{"word":"should","start":688.765,"end":689.005,"confidence":0.8720703,"punctuated_word":"Should","sentiment":"neutral","sentiment_score":0.1926586925983429},{"word":"be","start":689.005,"end":689.34,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15755939483642578},{"word":"quite","start":689.42004,"end":689.74005,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.10432448238134384},{"word":"a","start":689.74005,"end":689.78,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1291644722223282},{"word":"lot","start":689.78,"end":689.82,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.10675381124019624},{"word":"of","start":689.82,"end":689.98004,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16171053051948547},{"word":"figures","start":689.98004,"end":690.38,"confidence":1.0,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":0.17031757533550262},{"word":"on","start":690.38,"end":690.54004,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11173240095376968},{"word":"there","start":690.54004,"end":691.04004,"confidence":0.9926758,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.10573883354663847},{"word":"so","start":693.02,"end":693.26,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.011485831812024117},{"word":"can","start":693.26,"end":693.42004,"confidence":0.87158203,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.020301708951592445},{"word":"you","start":693.42004,"end":693.58,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013413673266768456},{"word":"make","start":693.58,"end":693.74005,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.022818783298134804},{"word":"any","start":693.74005,"end":693.9,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.026334919035434723},{"word":"of","start":693.9,"end":694.06,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015305506065487862},{"word":"these","start":694.06,"end":694.30005,"confidence":1.0,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.014626860618591309},{"word":"figures","start":694.30005,"end":694.62006,"confidence":0.9980469,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":0.022784443572163585},{"word":"out","start":694.62006,"end":694.7,"confidence":0.98657227,"punctuated_word":"out?","sentiment":"neutral","sentiment_score":0.014273573644459248},{"word":"is","start":694.7,"end":694.86005,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.022377949208021164},{"word":"it","start":694.86005,"end":695.02,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.023484207689762115},{"word":"blurry","start":695.02,"end":695.42004,"confidence":0.98706055,"punctuated_word":"blurry?","sentiment":"neutral","sentiment_score":-0.01816974021494389},{"word":"is","start":695.42004,"end":695.5,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.0100001348182559},{"word":"it","start":695.5,"end":695.58,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0018864497542381289},{"word":"clear","start":695.58,"end":696.08,"confidence":1.0,"punctuated_word":"clear?","sentiment":"neutral","sentiment_score":-0.0016725435853004456},{"word":"cool","start":699.26,"end":699.66003,"confidence":0.99658203,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.2871461510658264},{"word":"so","start":699.66003,"end":699.98004,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07463964819908142},{"word":"the","start":699.98004,"end":700.22003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10100100189447404},{"word":"top","start":700.22003,"end":700.54004,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.12899106740951538},{"word":"few","start":700.54004,"end":700.78,"confidence":0.9970703,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.11933158338069916},{"word":"rows","start":700.78,"end":701.26,"confidence":0.99902344,"punctuated_word":"rows","sentiment":"neutral","sentiment_score":0.15742602944374084},{"word":"basically","start":701.26,"end":701.66003,"confidence":0.90771484,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.09053570032119752},{"word":"just","start":701.66003,"end":701.82,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03719635307788849},{"word":"says","start":701.82,"end":702.06,"confidence":0.99902344,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.07266657799482346},{"word":"we","start":702.06,"end":702.22003,"confidence":0.78759766,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09314373135566711},{"word":"wanna","start":702.22003,"end":702.54004,"confidence":0.6298828,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.11787232756614684},{"word":"sell","start":702.54004,"end":702.7,"confidence":0.99902344,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.14821624755859375},{"word":"out","start":702.7,"end":702.86005,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.14258146286010742},{"word":"of","start":702.86005,"end":702.94,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17766408622264862},{"word":"the","start":702.94,"end":703.10004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11582309752702712},{"word":"growth","start":703.10004,"end":703.34,"confidence":0.9951172,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.11653901636600494},{"word":"fund","start":703.34,"end":703.58,"confidence":0.90478516,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.135964035987854},{"word":"in","start":703.58,"end":703.74005,"confidence":0.88671875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10510750114917757},{"word":"rest","start":703.74005,"end":703.98004,"confidence":0.98291016,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.13657507300376892},{"word":"and","start":703.98004,"end":704.14,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08950544148683548},{"word":"move","start":704.14,"end":704.30005,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.20220713317394257},{"word":"it","start":704.30005,"end":704.46,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19033077359199524},{"word":"to","start":704.46,"end":704.62006,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18872681260108948},{"word":"the","start":704.62006,"end":704.7,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16249503195285797},{"word":"high","start":704.7,"end":704.94,"confidence":0.99609375,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.1453266590833664},{"word":"growth","start":704.94,"end":705.165,"confidence":0.96875,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.169194296002388},{"word":"that","start":706.52496,"end":706.845,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.11384998261928558},{"word":"includes","start":706.845,"end":707.345,"confidence":1.0,"punctuated_word":"includes","sentiment":"neutral","sentiment_score":0.1578463613986969},{"word":"a","start":707.64496,"end":707.805,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1737661361694336},{"word":"partial","start":707.805,"end":708.285,"confidence":1.0,"punctuated_word":"partial","sentiment":"neutral","sentiment_score":0.14973314106464386},{"word":"rollover","start":708.285,"end":708.785,"confidence":0.96875,"punctuated_word":"rollover","sentiment":"neutral","sentiment_score":0.13379265367984772},{"word":"to","start":709.245,"end":709.485,"confidence":0.72216797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15537336468696594},{"word":"hub","start":709.485,"end":709.805,"confidence":0.4975586,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.13873137533664703},{"word":"'24","start":709.805,"end":710.52496,"confidence":0.96325684,"punctuated_word":"'24,","sentiment":"neutral","sentiment_score":0.13728144764900208},{"word":"and","start":710.52496,"end":710.685,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18407386541366577},{"word":"the","start":710.685,"end":710.925,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1925076395273209},{"word":"remaining","start":710.925,"end":711.40497,"confidence":1.0,"punctuated_word":"remaining","sentiment":"neutral","sentiment_score":0.1511947512626648},{"word":"8,000","start":711.40497,"end":711.96497,"confidence":1.0,"punctuated_word":"8,000","sentiment":"neutral","sentiment_score":0.1862741261720657},{"word":"will","start":711.96497,"end":712.125,"confidence":0.99609375,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2664988338947296},{"word":"go","start":712.125,"end":712.285,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2814195454120636},{"word":"into","start":712.285,"end":712.52496,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.21234852075576785},{"word":"that","start":712.52496,"end":712.76495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25122392177581787},{"word":"new","start":712.76495,"end":712.925,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.1875164657831192},{"word":"option","start":712.925,"end":713.32495,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.15507924556732178},{"word":"as","start":713.32495,"end":713.485,"confidence":0.8989258,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2068442404270172},{"word":"well","start":713.485,"end":713.64496,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.2024005949497223},{"word":"as","start":713.64496,"end":713.805,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.22784587740898132},{"word":"your","start":713.805,"end":714.045,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29487770795822144},{"word":"contributions","start":714.045,"end":714.545,"confidence":0.99609375,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.19029958546161652},{"word":"cool","start":716.685,"end":717.185,"confidence":0.8166504,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.028768111020326614},{"word":"in","start":717.40497,"end":717.565,"confidence":0.8027344,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.011376065202057362},{"word":"terms","start":717.565,"end":717.805,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.009566164575517178},{"word":"of","start":717.805,"end":717.88495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015121329575777054},{"word":"the","start":717.88495,"end":718.045,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02017289400100708},{"word":"hub","start":718.045,"end":718.285,"confidence":0.74072266,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.024839961901307103},{"word":"portfolio","start":718.285,"end":718.785,"confidence":0.98583984,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.017729058861732483},{"word":"the","start":719.5,"end":719.74,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.020976472645998},{"word":"easiest","start":719.74,"end":720.06,"confidence":1.0,"punctuated_word":"easiest","sentiment":"neutral","sentiment_score":0.026860008016228676},{"word":"way","start":720.06,"end":720.3,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.023391971364617348},{"word":"to","start":720.3,"end":720.45996,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02925254963338375},{"word":"understand","start":720.45996,"end":720.77997,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.02616645954549313},{"word":"this","start":720.77997,"end":721.01996,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.020074112340807915},{"word":"is","start":721.01996,"end":721.18,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.026512034237384796},{"word":"in","start":721.18,"end":721.33997,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0267845019698143},{"word":"that","start":721.33997,"end":721.83997,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03017208911478519},{"word":"second","start":721.98,"end":722.45996,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.023459117859601974},{"word":"last","start":722.45996,"end":722.86,"confidence":0.94628906,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.01821599341928959},{"word":"column","start":722.86,"end":723.36,"confidence":1.0,"punctuated_word":"column","sentiment":"neutral","sentiment_score":0.02371368184685707},{"word":"under","start":723.57996,"end":723.89996,"confidence":0.83203125,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.02892174012959003},{"word":"target","start":723.89996,"end":724.39996,"confidence":0.99902344,"punctuated_word":"target","sentiment":"neutral","sentiment_score":0.018507618457078937},{"word":"weight","start":724.45996,"end":724.77997,"confidence":0.96972656,"punctuated_word":"weight","sentiment":"neutral","sentiment_score":0.016650721430778503},{"word":"percentages","start":724.77997,"end":725.27997,"confidence":0.86083984,"punctuated_word":"percentages,","sentiment":"neutral","sentiment_score":0.02700859308242798},{"word":"you'll","start":725.57996,"end":725.81995,"confidence":0.9995117,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.023832958191633224},{"word":"see","start":725.81995,"end":726.06,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.036863457411527634},{"word":"all","start":726.06,"end":726.22,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.021453816443681717},{"word":"the","start":726.22,"end":726.38,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02039910852909088},{"word":"ones","start":726.38,"end":726.62,"confidence":0.99902344,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.017971022054553032},{"word":"with","start":726.62,"end":726.86,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.017051326110959053},{"word":"zero","start":726.86,"end":727.33997,"confidence":1.0,"punctuated_word":"zero","sentiment":"neutral","sentiment_score":0.011682803742587566},{"word":"that","start":727.33997,"end":727.57996,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02008474618196487},{"word":"we're","start":727.57996,"end":727.81995,"confidence":0.9921875,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.007230942603200674},{"word":"selling","start":727.81995,"end":728.06,"confidence":1.0,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.00658595934510231},{"word":"out","start":728.06,"end":728.3,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.006230274215340614},{"word":"of","start":728.3,"end":728.62,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004610441625118256},{"word":"and","start":728.62,"end":728.86,"confidence":0.86328125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013152586296200752},{"word":"all","start":728.86,"end":729.01996,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.013310518115758896},{"word":"the","start":729.01996,"end":729.18,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009394144639372826},{"word":"ones","start":729.18,"end":729.42,"confidence":1.0,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.013291928917169573},{"word":"with","start":729.42,"end":729.74,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.010785525664687157},{"word":"round","start":729.74,"end":729.98,"confidence":0.9448242,"punctuated_word":"round","sentiment":"neutral","sentiment_score":0.018912097439169884},{"word":"figures","start":729.98,"end":730.38,"confidence":0.99902344,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":0.011583121493458748},{"word":"that","start":730.38,"end":730.62,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.022739002481102943},{"word":"we're","start":730.62,"end":730.94,"confidence":0.9001465,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.016165010631084442},{"word":"either","start":730.94,"end":731.44,"confidence":1.0,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.021297018975019455},{"word":"rebalancing","start":731.66,"end":732.16,"confidence":0.99934894,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.007467613089829683},{"word":"back","start":732.62,"end":732.77997,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.01296171359717846},{"word":"to","start":732.77997,"end":732.86,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.018929285928606987},{"word":"where","start":732.86,"end":733.1,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.024163106456398964},{"word":"they","start":733.1,"end":733.33997,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.03394092619419098},{"word":"should","start":733.33997,"end":733.5,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.0245323833078146},{"word":"be","start":733.5,"end":733.905,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.011481374502182009},{"word":"or","start":734.22504,"end":734.385,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04151616618037224},{"word":"the","start":734.385,"end":734.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02779807522892952},{"word":"ones","start":734.625,"end":734.86505,"confidence":0.9951172,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.031460877507925034},{"word":"that","start":734.86505,"end":735.025,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04013672471046448},{"word":"we're","start":735.025,"end":735.265,"confidence":0.9921875,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.030925795435905457},{"word":"including","start":735.265,"end":735.765,"confidence":1.0,"punctuated_word":"including","sentiment":"neutral","sentiment_score":0.03967708721756935},{"word":"on","start":735.905,"end":736.145,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03210188075900078},{"word":"the","start":736.145,"end":736.22504,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04781358689069748},{"word":"next","start":736.22504,"end":736.54504,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.02608055993914604},{"word":"page","start":736.54504,"end":737.04504,"confidence":0.9921875,"punctuated_word":"page.","sentiment":"neutral","sentiment_score":0.03190720081329346},{"word":"we've","start":737.505,"end":737.905,"confidence":0.9338379,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.03075600415468216},{"word":"added","start":737.905,"end":738.405,"confidence":1.0,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.09332375228405},{"word":"five","start":738.86505,"end":739.18506,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.1585293412208557},{"word":"options","start":739.18506,"end":739.585,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.19311535358428955},{"word":"for","start":739.585,"end":739.74506,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19172464311122897},{"word":"you","start":739.74506,"end":740.24506,"confidence":0.97680664,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.18156275153160095},{"word":"basically","start":740.385,"end":740.885,"confidence":0.91796875,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":0.0870639905333519},{"word":"need","start":741.18506,"end":741.42505,"confidence":0.8959961,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.09618225693702698},{"word":"to","start":741.42505,"end":741.505,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1229422762989998},{"word":"add","start":741.505,"end":741.66504,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.12312953919172288},{"word":"in","start":741.66504,"end":741.825,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11393347382545473},{"word":"a","start":741.825,"end":741.905,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1349833458662033},{"word":"bit","start":741.905,"end":742.065,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11361238360404968},{"word":"of","start":742.065,"end":742.22504,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12371008843183516},{"word":"gold","start":742.22504,"end":742.705,"confidence":0.9980469,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.1339769810438156},{"word":"for","start":742.705,"end":742.86505,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12014305591583252},{"word":"some","start":742.86505,"end":743.18506,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1125650554895401},{"word":"alternatives","start":743.18506,"end":743.68506,"confidence":0.9975586,"punctuated_word":"alternatives.","sentiment":"neutral","sentiment_score":0.0777389407157898},{"word":"we're","start":745.905,"end":746.145,"confidence":0.9880371,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.0626009926199913},{"word":"switching","start":746.145,"end":746.465,"confidence":1.0,"punctuated_word":"switching","sentiment":"neutral","sentiment_score":0.0599278025329113},{"word":"out","start":746.465,"end":746.625,"confidence":0.9716797,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04280062019824982},{"word":"some","start":746.625,"end":746.78503,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.04795251786708832},{"word":"of","start":746.78503,"end":746.86505,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06325118243694305},{"word":"the","start":746.86505,"end":747.025,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06077488139271736},{"word":"term","start":747.025,"end":747.265,"confidence":0.9921875,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.04568066820502281},{"word":"deposits","start":747.265,"end":747.66504,"confidence":1.0,"punctuated_word":"deposits","sentiment":"neutral","sentiment_score":0.0368831679224968},{"word":"because","start":747.66504,"end":747.98505,"confidence":0.97509766,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0522637665271759},{"word":"the","start":747.98505,"end":748.065,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03241270035505295},{"word":"government's","start":748.065,"end":748.54504,"confidence":0.9501953,"punctuated_word":"government's","sentiment":"neutral","sentiment_score":0.04758280515670776},{"word":"phasing","start":748.54504,"end":748.86505,"confidence":0.9848633,"punctuated_word":"phasing","sentiment":"neutral","sentiment_score":0.059050772339105606},{"word":"a","start":748.86505,"end":749.025,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06901711970567703},{"word":"certain","start":749.025,"end":749.31,"confidence":1.0,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.05788462609052658},{"word":"type","start":749.31,"end":749.55,"confidence":0.99902344,"punctuated_word":"type","sentiment":"neutral","sentiment_score":0.0501943938434124},{"word":"of","start":749.55,"end":749.71,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06089915335178375},{"word":"them","start":749.71,"end":749.79,"confidence":0.85546875,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.05043681710958481},{"word":"out","start":749.79,"end":750.02997,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.05276290327310562},{"word":"called","start":750.02997,"end":750.27,"confidence":0.91748047,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.05901980772614479},{"word":"a","start":750.27,"end":750.43,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06879851222038269},{"word":"bank","start":750.43,"end":750.75,"confidence":0.9970703,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.06603872776031494},{"word":"hybrid","start":750.75,"end":751.25,"confidence":0.9975586,"punctuated_word":"hybrid.","sentiment":"neutral","sentiment_score":0.056469351053237915},{"word":"i","start":751.31,"end":751.39,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03585154190659523},{"word":"need","start":751.39,"end":751.63,"confidence":0.9980469,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.03989790380001068},{"word":"to","start":751.63,"end":751.71,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.052572235465049744},{"word":"get","start":751.71,"end":751.87,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.04575659707188606},{"word":"that","start":751.87,"end":752.02997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05551408231258392},{"word":"switched","start":752.02997,"end":752.43,"confidence":1.0,"punctuated_word":"switched","sentiment":"neutral","sentiment_score":0.06338060647249222},{"word":"out","start":752.43,"end":752.93,"confidence":0.9995117,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.07449044287204742},{"word":"bennelong","start":753.15,"end":753.55,"confidence":0.76708984,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":0.17558541893959043},{"word":"was","start":753.55,"end":753.79,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.18579965829849243},{"word":"the","start":753.79,"end":753.95,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18408824503421783},{"word":"underperformer","start":753.95,"end":754.45,"confidence":0.8602295,"punctuated_word":"underperformer,","sentiment":"neutral","sentiment_score":0.20101714134216309},{"word":"so","start":754.83,"end":755.07,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.18189288675785065},{"word":"i'm","start":755.07,"end":755.23,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.19477447867393496},{"word":"switching","start":755.23,"end":755.47,"confidence":1.0,"punctuated_word":"switching","sentiment":"neutral","sentiment_score":0.15564405918121338},{"word":"that","start":755.47,"end":755.71,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16667567193508148},{"word":"out","start":755.71,"end":755.87,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11351610720157625},{"word":"with","start":755.87,"end":756.02997,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13959486782550812},{"word":"a","start":756.02997,"end":756.11,"confidence":0.96777344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1450015902519226},{"word":"low","start":756.11,"end":756.35,"confidence":0.99609375,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.14382490515708923},{"word":"fee","start":756.35,"end":756.67,"confidence":0.9980469,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.1388039588928223},{"word":"index","start":756.67,"end":756.99,"confidence":0.99902344,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.1426592469215393},{"word":"fund","start":756.99,"end":757.49,"confidence":0.9970703,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.1446588784456253},{"word":"and","start":757.87,"end":758.37,"confidence":0.86572266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16741366684436798},{"word":"a","start":758.91,"end":759.07,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1252942681312561},{"word":"little","start":759.07,"end":759.47,"confidence":0.9902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1449410766363144},{"word":"few","start":759.47,"end":759.71,"confidence":0.82910156,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.12912048399448395},{"word":"extra","start":759.71,"end":760.02997,"confidence":0.99902344,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.14287684857845306},{"word":"satellites","start":760.02997,"end":760.52997,"confidence":0.9892578,"punctuated_word":"satellites","sentiment":"neutral","sentiment_score":0.10411931574344636},{"word":"there","start":760.59,"end":760.83,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.13208146393299103},{"word":"as","start":760.83,"end":760.99,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12740150094032288},{"word":"well","start":760.99,"end":761.49,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.09993947297334672},{"word":"now","start":764.225,"end":764.545,"confidence":0.9863281,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.10754819959402084},{"word":"the","start":764.545,"end":764.705,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07488847523927689},{"word":"last","start":764.705,"end":765.105,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.06035960838198662},{"word":"table","start":765.105,"end":765.425,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.08892598748207092},{"word":"for","start":765.425,"end":765.665,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08258039504289627},{"word":"you","start":765.665,"end":765.985,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08067955821752548},{"word":"is","start":765.985,"end":766.385,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05279727652668953},{"word":"on","start":766.385,"end":766.705,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05600687861442566},{"word":"page","start":766.705,"end":767.185,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.06405884772539139},{"word":"20","start":767.185,"end":767.585,"confidence":1.0,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.07005401700735092},{"word":"slash","start":767.585,"end":767.985,"confidence":0.9951172,"punctuated_word":"slash","sentiment":"neutral","sentiment_score":0.0671258494257927},{"word":"21","start":767.985,"end":768.625,"confidence":0.98547363,"punctuated_word":"21.","sentiment":"neutral","sentiment_score":0.059887342154979706},{"word":"you'll","start":768.625,"end":768.865,"confidence":0.9736328,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.04496998712420464},{"word":"see","start":768.865,"end":769.105,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0724359080195427},{"word":"a","start":769.105,"end":769.265,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.057707663625478745},{"word":"pie","start":769.265,"end":769.505,"confidence":1.0,"punctuated_word":"pie","sentiment":"neutral","sentiment_score":0.04172458499670029},{"word":"chart","start":769.505,"end":769.825,"confidence":0.99902344,"punctuated_word":"chart","sentiment":"neutral","sentiment_score":0.05529971048235893},{"word":"there","start":769.825,"end":770.065,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.07096998393535614},{"word":"for","start":770.065,"end":770.385,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07679873704910278},{"word":"your","start":770.385,"end":770.545,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06284642964601517},{"word":"asset","start":770.545,"end":770.865,"confidence":1.0,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.05585189536213875},{"word":"allocation","start":770.865,"end":771.365,"confidence":0.99902344,"punctuated_word":"allocation.","sentiment":"neutral","sentiment_score":0.052811816334724426},{"word":"so","start":773.345,"end":773.845,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06628426909446716},{"word":"long","start":774.305,"end":774.625,"confidence":0.9863281,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.06685737520456314},{"word":"story","start":774.625,"end":775.025,"confidence":1.0,"punctuated_word":"story","sentiment":"neutral","sentiment_score":0.060349609702825546},{"word":"short","start":775.025,"end":775.425,"confidence":0.9975586,"punctuated_word":"short,","sentiment":"neutral","sentiment_score":0.06975023448467255},{"word":"90","start":775.425,"end":775.745,"confidence":1.0,"punctuated_word":"90","sentiment":"neutral","sentiment_score":0.09113911539316176},{"word":"to","start":775.745,"end":775.90497,"confidence":0.9482422,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07912959158420563},{"word":"a","start":775.90497,"end":776.065,"confidence":0.63623047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09182874113321304},{"word":"100%","start":776.065,"end":776.545,"confidence":0.986084,"punctuated_word":"100%","sentiment":"neutral","sentiment_score":0.13361963629722595},{"word":"of","start":776.545,"end":776.705,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10073330253362656},{"word":"your","start":776.705,"end":776.865,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1081671342253685},{"word":"funds","start":776.865,"end":777.265,"confidence":0.99609375,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.11664993315935136},{"word":"should","start":777.265,"end":777.505,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.0919044315814972},{"word":"be","start":777.505,"end":777.825,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14396584033966064},{"word":"in","start":777.825,"end":778.065,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1498638540506363},{"word":"growth","start":778.065,"end":778.465,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.13356563448905945},{"word":"assets","start":778.465,"end":778.92,"confidence":0.8833008,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.10872332751750946},{"word":"like","start":779.16,"end":779.39996,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10441507399082184},{"word":"shares","start":779.39996,"end":779.8,"confidence":0.91186523,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.09746214747428894},{"word":"property","start":779.8,"end":780.12,"confidence":0.9650879,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.09751850366592409},{"word":"and","start":780.12,"end":780.36,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08090373128652573},{"word":"goals","start":780.36,"end":780.76,"confidence":0.97509766,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.05873522534966469},{"word":"to","start":780.76,"end":781.0,"confidence":0.9404297,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06511784344911575},{"word":"be","start":781.0,"end":781.39996,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05410725250840187},{"word":"high","start":781.39996,"end":781.56,"confidence":0.9790039,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.02670956403017044},{"word":"growth","start":781.56,"end":782.06,"confidence":0.98046875,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.05302956700325012},{"word":"you're","start":782.36,"end":782.6,"confidence":0.9980469,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.03452258184552193},{"word":"sitting","start":782.6,"end":782.92,"confidence":1.0,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.0668724998831749},{"word":"at","start":782.92,"end":783.42,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04607369750738144},{"word":"just","start":783.48,"end":783.72,"confidence":0.984375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03822587803006172},{"word":"shy","start":783.72,"end":783.88,"confidence":0.99902344,"punctuated_word":"shy","sentiment":"neutral","sentiment_score":0.04165017604827881},{"word":"of","start":783.88,"end":784.12,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.034844785928726196},{"word":"84","start":784.12,"end":784.94,"confidence":0.9942627,"punctuated_word":"84.","sentiment":"neutral","sentiment_score":0.04627552255988121},{"word":"once","start":785.0,"end":785.24,"confidence":1.0,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.03612718731164932},{"word":"we","start":785.24,"end":785.48,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.040797196328639984},{"word":"switch","start":785.48,"end":785.8,"confidence":0.99316406,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.04616028070449829},{"word":"both","start":785.8,"end":786.2,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.04907998442649841},{"word":"portfolios","start":786.2,"end":786.7,"confidence":0.99902344,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":0.03786659985780716},{"word":"around","start":786.76,"end":787.07996,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.06331183761358261},{"word":"and","start":787.07996,"end":787.16,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05821339786052704},{"word":"do","start":787.16,"end":787.32,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06548437476158142},{"word":"the","start":787.32,"end":787.48,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06325450539588928},{"word":"rollover","start":787.48,"end":787.95996,"confidence":0.96028644,"punctuated_word":"rollover,","sentiment":"neutral","sentiment_score":0.06609310954809189},{"word":"you'll","start":787.95996,"end":788.12,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.05104905366897583},{"word":"be","start":788.12,"end":788.27997,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05018310248851776},{"word":"up","start":788.27997,"end":788.44,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.03595999628305435},{"word":"to","start":788.44,"end":788.51996,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04485852271318436},{"word":"about","start":788.51996,"end":788.76,"confidence":0.9448242,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04219929128885269},{"word":"93","start":788.76,"end":789.32,"confidence":0.9995117,"punctuated_word":"93","sentiment":"neutral","sentiment_score":0.044432878494262695},{"word":"and","start":789.32,"end":789.39996,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.027223803102970123},{"word":"a","start":789.39996,"end":789.56,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04152870923280716},{"word":"half","start":789.56,"end":790.06,"confidence":0.99316406,"punctuated_word":"half.","sentiment":"neutral","sentiment_score":0.038894400000572205},{"word":"it'll","start":790.12,"end":790.51996,"confidence":0.9926758,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.052995260804891586},{"word":"fluctuate","start":790.51996,"end":791.01996,"confidence":1.0,"punctuated_word":"fluctuate","sentiment":"neutral","sentiment_score":0.056685369461774826},{"word":"between","start":791.24,"end":791.63995,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.04048595577478409},{"word":"there","start":791.63995,"end":791.95996,"confidence":0.99121094,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0558856725692749},{"word":"over","start":791.95996,"end":792.2,"confidence":0.9951172,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.06284008920192719},{"word":"time","start":792.2,"end":792.7,"confidence":0.99902344,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.05516038089990616},{"word":"cool","start":794.36,"end":794.86,"confidence":0.92407227,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.30216750502586365},{"word":"just","start":795.215,"end":795.375,"confidence":0.97802734,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.04617367684841156},{"word":"bear","start":795.375,"end":795.615,"confidence":0.99902344,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":0.0005158558487892151},{"word":"in","start":795.615,"end":795.775,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01275571435689926},{"word":"mind","start":795.775,"end":796.09503,"confidence":1.0,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.04862640798091888},{"word":"too","start":796.09503,"end":796.495,"confidence":0.97314453,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.010320015251636503},{"word":"that","start":796.495,"end":796.815,"confidence":0.9633789,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06190343201160431},{"word":"given","start":796.815,"end":797.135,"confidence":0.97802734,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.12064464390277864},{"word":"the","start":797.135,"end":797.215,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11133609712123872},{"word":"way","start":797.215,"end":797.375,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.11314668506383896},{"word":"the","start":797.375,"end":797.455,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09399012476205826},{"word":"world","start":797.455,"end":797.695,"confidence":1.0,"punctuated_word":"world","sentiment":"neutral","sentiment_score":-0.08506621420383453},{"word":"is","start":797.695,"end":797.935,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.109227292239666},{"word":"at","start":797.935,"end":798.015,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1480129212141037},{"word":"the","start":798.015,"end":798.09503,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12449454516172408},{"word":"moment","start":798.09503,"end":798.59503,"confidence":0.9975586,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.09529998898506165},{"word":"it's","start":798.655,"end":798.895,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2072215974330902},{"word":"gonna","start":798.895,"end":799.055,"confidence":0.93603516,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.20704492926597595},{"word":"be","start":799.055,"end":799.215,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.16580021381378174},{"word":"quite","start":799.215,"end":799.455,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.21550685167312625},{"word":"the","start":799.455,"end":799.615,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17042556405067444},{"word":"roller","start":799.615,"end":799.85504,"confidence":0.99902344,"punctuated_word":"roller","sentiment":"neutral","sentiment_score":-0.08717812597751617},{"word":"coaster","start":799.85504,"end":800.255,"confidence":0.6430664,"punctuated_word":"coaster","sentiment":"neutral","sentiment_score":-0.11395109444856644},{"word":"ride","start":800.255,"end":800.495,"confidence":0.9875488,"punctuated_word":"ride.","sentiment":"neutral","sentiment_score":-0.1452791690826416},{"word":"it's","start":800.495,"end":800.575,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.2930780053138733},{"word":"gonna","start":800.575,"end":800.895,"confidence":0.984375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.26152050495147705},{"word":"be","start":800.895,"end":800.97504,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.23005825281143188},{"word":"going","start":800.97504,"end":801.135,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.2277728021144867},{"word":"up","start":801.135,"end":801.375,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.24054020643234253},{"word":"and","start":801.375,"end":801.455,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.20748087763786316},{"word":"down","start":801.455,"end":801.775,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.135975182056427},{"word":"quite","start":801.775,"end":801.935,"confidence":0.9980469,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.20734304189682007},{"word":"a","start":801.935,"end":802.09503,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21224763989448547},{"word":"bit","start":802.09503,"end":802.59503,"confidence":0.89404297,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.20227210223674777},{"word":"and","start":802.815,"end":803.315,"confidence":0.94873047,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.11491769552230836},{"word":"yeah","start":806.255,"end":806.655,"confidence":0.9946289,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.08600151538848877},{"word":"it","start":806.655,"end":806.815,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11208348721265791},{"word":"could","start":806.815,"end":807.055,"confidence":0.99609375,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.15655796229839325},{"word":"be","start":807.055,"end":807.215,"confidence":0.99121094,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.12863990664482117},{"word":"going","start":807.215,"end":807.695,"confidence":0.9951172,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.11531895399093628},{"word":"up","start":807.695,"end":808.015,"confidence":0.98828125,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.10018961876630784},{"word":"10%","start":808.015,"end":808.655,"confidence":0.87158203,"punctuated_word":"10%,","sentiment":"neutral","sentiment_score":-0.06842431426048279},{"word":"one","start":808.655,"end":808.895,"confidence":0.9951172,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.12674300372600555},{"word":"month","start":808.895,"end":809.215,"confidence":0.98291016,"punctuated_word":"month","sentiment":"neutral","sentiment_score":-0.11890678107738496},{"word":"down","start":809.215,"end":809.53503,"confidence":0.75390625,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.06766893714666367},{"word":"20%","start":809.53503,"end":810.17505,"confidence":0.8190918,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":-0.078737273812294},{"word":"the","start":810.17505,"end":810.255,"confidence":0.8100586,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13088485598564148},{"word":"next","start":810.255,"end":810.48,"confidence":0.8540039,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.1319742351770401},{"word":"few","start":810.56,"end":810.72,"confidence":0.9951172,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.10767175257205965},{"word":"months","start":810.72,"end":810.95996,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.11187543720006944},{"word":"and","start":810.95996,"end":811.19995,"confidence":0.7397461,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09685483574867249},{"word":"then","start":811.19995,"end":811.36,"confidence":0.64404297,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.044890984892845154},{"word":"back","start":811.36,"end":811.6,"confidence":0.9892578,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.07088373601436615},{"word":"up","start":811.6,"end":811.76,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.0677751898765564},{"word":"50","start":811.76,"end":812.24,"confidence":0.953125,"punctuated_word":"50.","sentiment":"neutral","sentiment_score":-0.09116538614034651},{"word":"it","start":812.24,"end":812.32,"confidence":0.9980469,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.11856761574745178},{"word":"could","start":812.32,"end":812.39996,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.17468398809432983},{"word":"be","start":812.39996,"end":812.56,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15810434520244598},{"word":"all","start":812.56,"end":812.8,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.10950160771608353},{"word":"over","start":812.8,"end":813.04,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.1372201144695282},{"word":"the","start":813.04,"end":813.12,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12205994129180908},{"word":"shop","start":813.12,"end":813.62,"confidence":0.9941406,"punctuated_word":"shop.","sentiment":"neutral","sentiment_score":-0.13157275319099426},{"word":"we","start":817.36,"end":817.6,"confidence":0.83984375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.1853276491165161},{"word":"will","start":817.6,"end":818.1,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.16731518507003784},{"word":"aim","start":818.32,"end":818.56,"confidence":1.0,"punctuated_word":"aim","sentiment":"neutral","sentiment_score":-0.13487198948860168},{"word":"for","start":818.56,"end":818.72,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10176455229520798},{"word":"the","start":818.72,"end":818.8,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10868633538484572},{"word":"long","start":818.8,"end":819.04,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.051968082785606384},{"word":"term","start":819.04,"end":819.27997,"confidence":0.99902344,"punctuated_word":"term","sentiment":"neutral","sentiment_score":-0.00491178035736084},{"word":"averages","start":819.27997,"end":819.76,"confidence":0.9951172,"punctuated_word":"averages","sentiment":"neutral","sentiment_score":-0.007009387016296387},{"word":"like","start":819.76,"end":819.92,"confidence":0.9472656,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.029384911060333252},{"word":"we","start":819.92,"end":820.07996,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04702076315879822},{"word":"normally","start":820.07996,"end":820.48,"confidence":1.0,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":-0.034336403012275696},{"word":"do","start":820.48,"end":820.8,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04576805233955383},{"word":"over","start":820.8,"end":821.12,"confidence":0.9248047,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.0042568594217300415},{"word":"five","start":821.12,"end":821.44,"confidence":0.9797363,"punctuated_word":"five,","sentiment":"neutral","sentiment_score":-0.03915717452764511},{"word":"seven","start":821.44,"end":821.76,"confidence":0.9592285,"punctuated_word":"seven,","sentiment":"neutral","sentiment_score":-0.03835742548108101},{"word":"and","start":821.76,"end":821.92,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02753312885761261},{"word":"ten","start":821.92,"end":822.16,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.0148063525557518},{"word":"years","start":822.16,"end":822.66,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.02254520356655121},{"word":"to","start":822.72,"end":822.88,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05623139441013336},{"word":"try","start":822.88,"end":823.12,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.074586421251297},{"word":"and","start":823.12,"end":823.19995,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.011681020259857178},{"word":"hit","start":823.19995,"end":823.44,"confidence":1.0,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.06969210505485535},{"word":"those","start":823.44,"end":823.68,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.034047916531562805},{"word":"double","start":823.68,"end":823.92,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.03335221856832504},{"word":"digits","start":823.92,"end":824.42,"confidence":0.95458984,"punctuated_word":"digits.","sentiment":"neutral","sentiment_score":-0.0001984238624572754},{"word":"and","start":824.71497,"end":824.95496,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.05475432425737381},{"word":"then","start":824.95496,"end":825.435,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.029924631118774418},{"word":"when","start":825.435,"end":825.675,"confidence":0.9951172,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0684356540441513},{"word":"you're","start":825.675,"end":825.915,"confidence":0.99560547,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.07145308703184128},{"word":"closer","start":825.915,"end":826.315,"confidence":0.9941406,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":-0.07681421935558319},{"word":"to","start":826.315,"end":826.555,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0808422863483429},{"word":"retirement","start":826.555,"end":827.055,"confidence":0.9980469,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":-0.07161089032888412},{"word":"we'll","start":827.27496,"end":827.51495,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.08985646069049835},{"word":"start","start":827.51495,"end":827.755,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.09892133623361588},{"word":"to","start":827.755,"end":827.915,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1145315170288086},{"word":"scale","start":827.915,"end":828.15497,"confidence":1.0,"punctuated_word":"scale","sentiment":"neutral","sentiment_score":-0.07354068011045456},{"word":"back","start":828.15497,"end":828.39496,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.06815621256828308},{"word":"the","start":828.39496,"end":828.555,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1227952092885971},{"word":"risk","start":828.555,"end":829.035,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.07164345681667328},{"word":"to","start":829.035,"end":829.19495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06285987049341202},{"word":"protect","start":829.19495,"end":829.51495,"confidence":0.9970703,"punctuated_word":"protect","sentiment":"neutral","sentiment_score":-0.11570435017347336},{"word":"it","start":829.51495,"end":829.755,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04272337257862091},{"word":"once","start":829.755,"end":829.995,"confidence":0.9980469,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.0923456847667694},{"word":"it's","start":829.995,"end":830.15497,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.04966207593679428},{"word":"built","start":830.15497,"end":830.65497,"confidence":0.9577637,"punctuated_word":"built.","sentiment":"neutral","sentiment_score":-0.00627918541431427},{"word":"awesome","start":833.035,"end":833.51495,"confidence":0.99365234,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.7126044034957886},{"word":"so","start":833.51495,"end":834.01495,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1951807290315628},{"word":"i","start":834.15497,"end":834.235,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11259661614894868},{"word":"know","start":834.235,"end":834.475,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.08728481829166412},{"word":"that","start":834.475,"end":834.63495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10623813420534134},{"word":"was","start":834.63495,"end":834.875,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.06682318449020386},{"word":"a","start":834.875,"end":834.95496,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03377124294638634},{"word":"bit","start":834.95496,"end":835.115,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.01752043515443802},{"word":"of","start":835.115,"end":835.27496,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.020637307316064835},{"word":"a","start":835.27496,"end":835.435,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.018810391426086422},{"word":"flash","start":835.435,"end":835.83496,"confidence":0.9770508,"punctuated_word":"flash","sentiment":"neutral","sentiment_score":0.023969609290361404},{"word":"info","start":835.83496,"end":836.315,"confidence":0.9873047,"punctuated_word":"info","sentiment":"neutral","sentiment_score":0.04171476513147354},{"word":"dump","start":836.315,"end":836.71497,"confidence":0.97875977,"punctuated_word":"dump,","sentiment":"neutral","sentiment_score":0.028060615062713623},{"word":"but","start":836.71497,"end":837.21497,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05113821104168892},{"word":"does","start":837.32,"end":837.48,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.07243315130472183},{"word":"it","start":837.48,"end":837.64,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09329633414745332},{"word":"make","start":837.64,"end":837.72,"confidence":0.99316406,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.049641095101833344},{"word":"sense","start":837.72,"end":838.2,"confidence":1.0,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.04265563189983368},{"word":"what","start":838.2,"end":838.27997,"confidence":0.9838867,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05462375283241272},{"word":"we're","start":838.27997,"end":838.44,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.06953686475753784},{"word":"doing","start":838.44,"end":838.94,"confidence":0.9995117,"punctuated_word":"doing?","sentiment":"neutral","sentiment_score":0.040383122861385345},{"word":"cool","start":840.68,"end":841.08,"confidence":0.953125,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.25328534841537476},{"word":"any","start":841.08,"end":841.32,"confidence":0.9819336,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.0966719537973404},{"word":"questions","start":841.32,"end":841.72,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.09973703324794768},{"word":"for","start":841.72,"end":841.8,"confidence":0.98095703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09054140746593475},{"word":"me","start":841.8,"end":841.95996,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.11590124666690826},{"word":"at","start":841.95996,"end":842.12,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11128436774015428},{"word":"this","start":842.12,"end":842.27997,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.12200915068387984},{"word":"point","start":842.27997,"end":842.77997,"confidence":0.9995117,"punctuated_word":"point?","sentiment":"neutral","sentiment_score":0.08555495738983154},{"word":"alrighty","start":845.56,"end":846.06,"confidence":0.9977214,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.11325003206729888},{"word":"after","start":846.44,"end":846.76,"confidence":0.9819336,"punctuated_word":"After","sentiment":"positive","sentiment_score":0.33928757905960083},{"word":"that","start":846.76,"end":847.26,"confidence":0.9538574,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.3707724213600158},{"word":"pretty","start":848.36,"end":848.6,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2463301420211792},{"word":"well","start":848.6,"end":848.92,"confidence":0.9970703,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.2746979892253876},{"word":"just","start":848.92,"end":849.42,"confidence":0.79833984,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.27260005474090576},{"word":"lets","start":849.48,"end":849.72,"confidence":0.69873047,"punctuated_word":"lets","sentiment":"neutral","sentiment_score":0.23611479997634888},{"word":"you","start":849.72,"end":849.8,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23902960121631625},{"word":"know","start":849.8,"end":850.04,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.20870155096054077},{"word":"why","start":850.04,"end":850.2,"confidence":0.99902344,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.11843940615653992},{"word":"you","start":850.2,"end":850.36,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17242372035980225},{"word":"should","start":850.36,"end":850.6,"confidence":0.9921875,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.13847142457962036},{"word":"have","start":850.6,"end":850.76,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1125519648194313},{"word":"a","start":850.76,"end":850.83997,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08432528376579285},{"word":"will","start":850.83997,"end":851.08,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09186898171901704},{"word":"in","start":851.08,"end":851.24,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09702933579683304},{"word":"place","start":851.24,"end":851.74,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.10742444545030594},{"word":"after","start":851.985,"end":852.485,"confidence":1.0,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.09540051966905594},{"word":"that","start":852.945,"end":853.105,"confidence":0.7470703,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.07889185845851898},{"word":"power","start":853.105,"end":853.425,"confidence":0.7392578,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.15588998794555664},{"word":"of","start":853.425,"end":853.665,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1149398684501648},{"word":"attorney","start":853.665,"end":854.065,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.10303177684545516},{"word":"as","start":854.065,"end":854.305,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11474674195051192},{"word":"well","start":854.305,"end":854.805,"confidence":0.9970703,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1094229817390442},{"word":"i","start":854.945,"end":855.105,"confidence":0.9741211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10871388018131256},{"word":"know","start":855.105,"end":855.185,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.09993407875299454},{"word":"you","start":855.185,"end":855.345,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11116769164800644},{"word":"can","start":855.345,"end":855.505,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1257849782705307},{"word":"get","start":855.505,"end":855.665,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11067774146795271},{"word":"some","start":855.665,"end":855.825,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08991164714097977},{"word":"basic","start":855.825,"end":856.225,"confidence":1.0,"punctuated_word":"basic","sentiment":"neutral","sentiment_score":0.09776654839515686},{"word":"kits","start":856.225,"end":856.625,"confidence":0.99121094,"punctuated_word":"kits","sentiment":"neutral","sentiment_score":0.08975105732679367},{"word":"from","start":856.625,"end":857.105,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.12083666771650314},{"word":"australia","start":857.105,"end":857.585,"confidence":0.99609375,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.12560994923114777},{"word":"post","start":857.585,"end":857.825,"confidence":0.9658203,"punctuated_word":"Post","sentiment":"neutral","sentiment_score":0.11154168099164964},{"word":"to","start":857.825,"end":857.90497,"confidence":0.5786133,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13878531754016876},{"word":"the","start":857.90497,"end":858.065,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1322859525680542},{"word":"government","start":858.065,"end":858.46497,"confidence":0.9980469,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.1515522301197052},{"word":"approved","start":858.46497,"end":858.96497,"confidence":0.88256836,"punctuated_word":"approved,","sentiment":"neutral","sentiment_score":0.14747628569602966},{"word":"and","start":859.425,"end":859.745,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13036510348320007},{"word":"we","start":859.745,"end":859.985,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12123880535364152},{"word":"do","start":859.985,"end":860.305,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13071319460868835},{"word":"have","start":860.305,"end":860.805,"confidence":0.97802734,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.1392725259065628},{"word":"like","start":861.425,"end":861.665,"confidence":0.9538574,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1345597207546234},{"word":"some","start":861.665,"end":861.90497,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1307799518108368},{"word":"lawyers","start":861.90497,"end":862.305,"confidence":1.0,"punctuated_word":"lawyers","sentiment":"neutral","sentiment_score":0.07701937854290009},{"word":"that","start":862.305,"end":862.46497,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16737601161003113},{"word":"we","start":862.46497,"end":862.625,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14143963158130646},{"word":"do","start":862.625,"end":862.785,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1306910365819931},{"word":"know","start":862.785,"end":863.025,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.12664994597434998},{"word":"that","start":863.025,"end":863.265,"confidence":0.97509766,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15514880418777466},{"word":"do","start":863.265,"end":863.425,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12737968564033508},{"word":"some","start":863.425,"end":863.665,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.14375630021095276},{"word":"slight","start":863.665,"end":863.90497,"confidence":0.9394531,"punctuated_word":"slight","sentiment":"neutral","sentiment_score":0.1229017972946167},{"word":"discounts","start":863.90497,"end":864.40497,"confidence":1.0,"punctuated_word":"discounts","sentiment":"neutral","sentiment_score":0.10540752112865448},{"word":"to","start":864.46497,"end":864.705,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13469278812408447},{"word":"do","start":864.705,"end":864.865,"confidence":0.9921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11651955544948578},{"word":"them","start":864.865,"end":865.105,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.14080531895160675},{"word":"online","start":865.105,"end":865.585,"confidence":1.0,"punctuated_word":"online","sentiment":"neutral","sentiment_score":0.11981809884309769},{"word":"if","start":865.585,"end":865.825,"confidence":0.6855469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12968195974826813},{"word":"you","start":865.825,"end":865.90497,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10939444601535796},{"word":"would","start":865.90497,"end":866.065,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.09118914604187012},{"word":"like","start":866.065,"end":866.225,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07732312381267548},{"word":"us","start":866.225,"end":866.46,"confidence":0.99609375,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.12187390774488448},{"word":"to","start":866.46,"end":866.7,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10668326914310455},{"word":"send","start":866.7,"end":867.2,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.08623407781124115},{"word":"one","start":867.34,"end":867.5,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.10500025749206544},{"word":"of","start":867.5,"end":867.66003,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1011114865541458},{"word":"those","start":867.66003,"end":867.98004,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.10954053699970244},{"word":"through","start":867.98004,"end":868.46,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06332781910896301},{"word":"unless","start":868.46,"end":868.78,"confidence":0.5126953,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":0.07582750171422958},{"word":"you've","start":868.78,"end":869.02,"confidence":0.9916992,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.08043941855430603},{"word":"still","start":869.02,"end":869.18,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07394951581954956},{"word":"got","start":869.18,"end":869.34,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08970306813716888},{"word":"those","start":869.34,"end":869.58,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1216701865196228},{"word":"will","start":869.58,"end":869.82,"confidence":0.45361328,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.11516525596380234},{"word":"kits","start":869.82,"end":870.32,"confidence":0.9897461,"punctuated_word":"kits.","sentiment":"neutral","sentiment_score":0.08623990416526794},{"word":"yeah","start":873.74005,"end":874.14,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05166076496243477},{"word":"okay","start":874.14,"end":874.64,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05577155575156212},{"word":"perfect","start":876.14,"end":876.64,"confidence":0.9980469,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5094414353370667},{"word":"we've","start":877.5,"end":877.9,"confidence":0.9030762,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.23159055411815643},{"word":"reiterated","start":877.9,"end":878.4,"confidence":0.9980469,"punctuated_word":"reiterated","sentiment":"neutral","sentiment_score":0.29026496410369873},{"word":"the","start":878.54004,"end":878.78,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2886884808540344},{"word":"advice","start":878.78,"end":879.18,"confidence":0.96533203,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1372005194425583},{"word":"fees","start":879.18,"end":879.42004,"confidence":0.94921875,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.1518472135066986},{"word":"towards","start":879.42004,"end":879.82,"confidence":0.99902344,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.1521226316690445},{"word":"the","start":879.82,"end":879.98004,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15872062742710114},{"word":"back","start":879.98004,"end":880.22003,"confidence":0.90356445,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.1520485877990723},{"word":"and","start":880.22003,"end":880.38,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14429600536823273},{"word":"there","start":880.38,"end":880.62,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1959499418735504},{"word":"is","start":880.62,"end":880.78,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1769072264432907},{"word":"a","start":880.78,"end":880.94,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19160109758377075},{"word":"consent","start":880.94,"end":881.44,"confidence":0.99902344,"punctuated_word":"consent","sentiment":"neutral","sentiment_score":0.1376044750213623},{"word":"form","start":881.66003,"end":881.98004,"confidence":0.9970703,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.14387774467468262},{"word":"at","start":881.98004,"end":882.375,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16345515847206116},{"word":"the","start":882.375,"end":882.615,"confidence":0.921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18661153316497803},{"word":"bottom","start":882.615,"end":883.115,"confidence":0.75390625,"punctuated_word":"bottom.","sentiment":"neutral","sentiment_score":0.15416207909584043},{"word":"second","start":883.415,"end":883.895,"confidence":0.7529297,"punctuated_word":"Second","sentiment":"neutral","sentiment_score":0.06865298748016357},{"word":"last","start":883.895,"end":884.215,"confidence":0.8051758,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.05607572942972183},{"word":"page","start":884.215,"end":884.535,"confidence":0.99316406,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.08157413452863693},{"word":"to","start":884.535,"end":884.695,"confidence":0.68115234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06897418200969696},{"word":"consent","start":884.695,"end":885.195,"confidence":0.9975586,"punctuated_word":"consent.","sentiment":"neutral","sentiment_score":0.08930201083421707},{"word":"so","start":885.575,"end":886.075,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08452483266592026},{"word":"with","start":886.215,"end":886.695,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1078413873910904},{"word":"this","start":886.695,"end":887.095,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1259688287973404},{"word":"whole","start":887.095,"end":887.595,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.1313490867614746},{"word":"package","start":887.975,"end":888.475,"confidence":0.9970703,"punctuated_word":"package,","sentiment":"neutral","sentiment_score":0.10787469148635864},{"word":"there","start":888.775,"end":888.935,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.13165459036827087},{"word":"is","start":888.935,"end":889.095,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1268673688173294},{"word":"a","start":889.095,"end":889.175,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1401214897632599},{"word":"bit","start":889.175,"end":889.335,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.13455726206302643},{"word":"of","start":889.335,"end":889.495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15020819008350372},{"word":"a","start":889.495,"end":889.575,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11721152067184448},{"word":"box","start":889.575,"end":889.815,"confidence":1.0,"punctuated_word":"box","sentiment":"neutral","sentiment_score":0.10038697719573976},{"word":"that","start":889.815,"end":889.895,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12897944450378418},{"word":"you","start":889.895,"end":889.975,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11116289347410202},{"word":"can","start":889.975,"end":890.215,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1038338840007782},{"word":"fill","start":890.215,"end":890.375,"confidence":1.0,"punctuated_word":"fill","sentiment":"neutral","sentiment_score":0.12274353206157684},{"word":"in","start":890.375,"end":890.535,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12175379693508148},{"word":"some","start":890.535,"end":890.695,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.12195241451263428},{"word":"text","start":890.695,"end":890.935,"confidence":0.9536133,"punctuated_word":"text","sentiment":"neutral","sentiment_score":0.1184888631105423},{"word":"if","start":890.935,"end":891.095,"confidence":0.98095703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11621082574129105},{"word":"you","start":891.095,"end":891.255,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11843108385801315},{"word":"wanna","start":891.255,"end":891.575,"confidence":0.80566406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1055281013250351},{"word":"change","start":891.575,"end":892.055,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.11340676993131638},{"word":"any","start":892.055,"end":892.295,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.13251782953739166},{"word":"of","start":892.295,"end":892.455,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11591135710477828},{"word":"the","start":892.455,"end":892.615,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10071353614330292},{"word":"recommendations","start":892.615,"end":893.115,"confidence":0.9980469,"punctuated_word":"recommendations.","sentiment":"neutral","sentiment_score":0.06799797713756561},{"word":"if","start":893.735,"end":893.975,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.041293397545814514},{"word":"not","start":893.975,"end":894.375,"confidence":0.9995117,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":0.040693528950214386},{"word":"you","start":894.375,"end":894.455,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05148661509156227},{"word":"basically","start":894.455,"end":894.855,"confidence":0.98535156,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.05746293067932129},{"word":"just","start":894.855,"end":895.095,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.041261978447437286},{"word":"type","start":895.095,"end":895.335,"confidence":1.0,"punctuated_word":"type","sentiment":"neutral","sentiment_score":0.02549023926258087},{"word":"in","start":895.335,"end":895.575,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.034059181809425354},{"word":"na","start":895.575,"end":896.055,"confidence":0.7524414,"punctuated_word":"NA","sentiment":"neutral","sentiment_score":0.028841406106948853},{"word":"and","start":896.055,"end":896.215,"confidence":0.7685547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04252827912569046},{"word":"then","start":896.215,"end":896.455,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05585629492998123},{"word":"just","start":896.455,"end":896.695,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04955088719725609},{"word":"sign","start":896.695,"end":897.195,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.03501531481742859},{"word":"end","start":897.63995,"end":897.88,"confidence":0.62353516,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.04254096746444702},{"word":"date","start":897.88,"end":898.38,"confidence":0.9946289,"punctuated_word":"date.","sentiment":"neutral","sentiment_score":0.07413946092128754},{"word":"i","start":900.12,"end":900.27997,"confidence":0.93847656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10861361771821976},{"word":"will","start":900.27997,"end":900.51996,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.10620715469121932},{"word":"get","start":900.51996,"end":901.0,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0984250232577324},{"word":"the","start":901.0,"end":901.24,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10100384056568146},{"word":"forms","start":901.24,"end":901.72,"confidence":0.9980469,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.07666541635990143},{"word":"drafted","start":901.72,"end":902.19995,"confidence":1.0,"punctuated_word":"drafted","sentiment":"neutral","sentiment_score":0.13514289259910583},{"word":"up","start":902.19995,"end":902.44,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1396440416574478},{"word":"once","start":902.44,"end":902.76,"confidence":0.98095703,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.1391368955373764},{"word":"we","start":902.76,"end":902.83997,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12550455331802368},{"word":"get","start":902.83997,"end":903.07996,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1207609474658966},{"word":"this","start":903.07996,"end":903.32,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.13849088549613953},{"word":"back","start":903.32,"end":903.56,"confidence":0.97998047,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.11544836312532424},{"word":"signed","start":903.56,"end":904.06,"confidence":0.99609375,"punctuated_word":"signed.","sentiment":"neutral","sentiment_score":0.10963113605976103},{"word":"we","start":904.27997,"end":904.44,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.12451854348182678},{"word":"have","start":904.44,"end":904.68,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13988357782363892},{"word":"included","start":904.68,"end":905.18,"confidence":1.0,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.20186543464660645},{"word":"you","start":905.8,"end":905.95996,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15825138986110687},{"word":"guys","start":905.95996,"end":906.19995,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.18889930844306943},{"word":"are","start":906.19995,"end":906.27997,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18235474824905396},{"word":"still","start":906.27997,"end":906.51996,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.17240656912326813},{"word":"on","start":906.51996,"end":906.68,"confidence":0.96435547,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1914886087179184},{"word":"the","start":906.68,"end":906.83997,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15877267718315125},{"word":"partner","start":906.83997,"end":907.16,"confidence":0.99609375,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.1181413158774376},{"word":"fee","start":907.16,"end":907.39996,"confidence":0.99609375,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.13431906700134277},{"word":"discount","start":907.39996,"end":907.8,"confidence":1.0,"punctuated_word":"discount","sentiment":"neutral","sentiment_score":0.1478157341480255},{"word":"with","start":907.8,"end":908.04,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1457623392343521},{"word":"us","start":908.04,"end":908.44,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.14174112677574158},{"word":"of","start":908.44,"end":908.68,"confidence":0.9760742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15820564329624176},{"word":"1.1","start":908.68,"end":909.39996,"confidence":1.0,"punctuated_word":"1.1","sentiment":"neutral","sentiment_score":0.12052182853221892},{"word":"percent","start":909.39996,"end":909.89996,"confidence":0.81274414,"punctuated_word":"percent.","sentiment":"neutral","sentiment_score":0.1601986438035965},{"word":"so","start":910.21497,"end":910.375,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2246193885803223},{"word":"i've","start":910.375,"end":910.875,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2924080491065979},{"word":"included","start":911.01495,"end":911.495,"confidence":1.0,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.30920305848121643},{"word":"that","start":911.495,"end":911.995,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3898983299732208},{"word":"updated","start":912.21497,"end":912.615,"confidence":0.9482422,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.291415810585022},{"word":"consent","start":912.615,"end":913.095,"confidence":1.0,"punctuated_word":"consent","sentiment":"positive","sentiment_score":0.3483900725841522},{"word":"form","start":913.095,"end":913.415,"confidence":1.0,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.30996450781822205},{"word":"as","start":913.415,"end":913.57495,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.28181391954421997},{"word":"well","start":913.57495,"end":914.07495,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2201344668865204},{"word":"now","start":915.89496,"end":916.21497,"confidence":0.9951172,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1262759268283844},{"word":"have","start":916.21497,"end":916.375,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0643840804696083},{"word":"you","start":916.375,"end":916.535,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08819673955440521},{"word":"used","start":916.535,"end":916.855,"confidence":0.99902344,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.1315101683139801},{"word":"this","start":916.855,"end":917.01495,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.15124906599521637},{"word":"system","start":917.01495,"end":917.415,"confidence":1.0,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.18503813445568085},{"word":"before","start":917.415,"end":917.915,"confidence":1.0,"punctuated_word":"before?","sentiment":"neutral","sentiment_score":0.08109639585018158},{"word":"cool","start":921.89496,"end":922.2,"confidence":0.9914551,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.20126444101333615},{"word":"so","start":922.44,"end":922.68,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08717374503612518},{"word":"the","start":922.68,"end":922.92,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08585630357265472},{"word":"only","start":922.92,"end":923.16003,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.05846536159515381},{"word":"reminder","start":923.16003,"end":923.56,"confidence":1.0,"punctuated_word":"reminder","sentiment":"neutral","sentiment_score":0.04390637576580048},{"word":"here","start":923.56,"end":923.72003,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.06621532887220383},{"word":"is","start":923.72003,"end":923.88,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03683549165725708},{"word":"that","start":923.88,"end":924.04004,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.023473862558603287},{"word":"when","start":924.04004,"end":924.2,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.020694170147180557},{"word":"you","start":924.2,"end":924.36,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03092307224869728},{"word":"go","start":924.36,"end":924.60004,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.034034933894872665},{"word":"there's","start":924.84,"end":925.08,"confidence":0.9305013,"punctuated_word":"there's,","sentiment":"neutral","sentiment_score":0.03771290555596352},{"word":"like","start":925.08,"end":925.24,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04767860472202301},{"word":"a","start":925.24,"end":925.32,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.045133426785469055},{"word":"begin","start":925.32,"end":925.72003,"confidence":0.99902344,"punctuated_word":"begin","sentiment":"neutral","sentiment_score":0.0423014760017395},{"word":"button","start":925.72003,"end":926.04004,"confidence":1.0,"punctuated_word":"button","sentiment":"neutral","sentiment_score":0.0732802301645279},{"word":"that","start":926.04004,"end":926.28,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.045411307364702225},{"word":"brings","start":926.28,"end":926.52,"confidence":1.0,"punctuated_word":"brings","sentiment":"neutral","sentiment_score":0.04737907648086548},{"word":"you","start":926.52,"end":926.84,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04219609498977661},{"word":"to","start":926.84,"end":927.0,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04284151643514633},{"word":"the","start":927.0,"end":927.24,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04894859716296196},{"word":"spots","start":927.24,"end":927.64,"confidence":0.9902344,"punctuated_word":"spots","sentiment":"neutral","sentiment_score":0.055902138352394104},{"word":"to","start":927.64,"end":927.8,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.028094008564949036},{"word":"sign","start":927.8,"end":928.3,"confidence":0.9946289,"punctuated_word":"sign.","sentiment":"neutral","sentiment_score":0.03873593360185623},{"word":"what'll","start":928.52,"end":929.0,"confidence":0.8149414,"punctuated_word":"What'll","sentiment":"neutral","sentiment_score":0.03964553773403168},{"word":"basically","start":929.0,"end":929.48004,"confidence":0.9951172,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.040869832038879395},{"word":"happen","start":929.48004,"end":929.88,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.06747735291719437},{"word":"is","start":929.88,"end":930.12,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03528501093387604},{"word":"you","start":930.12,"end":930.36,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.039930183440446854},{"word":"sign","start":930.36,"end":930.60004,"confidence":0.9902344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.03264093026518822},{"word":"the","start":930.60004,"end":930.76,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.044095057994127274},{"word":"authority","start":930.76,"end":931.24,"confidence":1.0,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.05127638950943947},{"word":"to","start":931.24,"end":931.4,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05367660149931908},{"word":"proceed","start":931.4,"end":931.8,"confidence":1.0,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.06114639341831207},{"word":"here","start":931.8,"end":932.28,"confidence":0.94433594,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.04587673395872116},{"word":"you'll","start":932.28,"end":932.60004,"confidence":0.99560547,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.026239942759275436},{"word":"then","start":932.60004,"end":932.76,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.021168123930692673},{"word":"move","start":932.76,"end":933.08,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.03532027080655098},{"word":"over","start":933.08,"end":933.32,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.03101397678256035},{"word":"to","start":933.32,"end":933.48004,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.018381737172603607},{"word":"the","start":933.48004,"end":933.56,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0288698747754097},{"word":"next","start":933.56,"end":933.88,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.02555030584335327},{"word":"document","start":933.88,"end":934.28,"confidence":0.9794922,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.016875628381967545},{"word":"which","start":934.28,"end":934.44,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.013815470039844511},{"word":"is","start":934.44,"end":934.60004,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.007145676761865616},{"word":"the","start":934.60004,"end":934.76,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.000715348869562149},{"word":"appendix","start":934.76,"end":935.16003,"confidence":0.9875488,"punctuated_word":"appendix,","sentiment":"neutral","sentiment_score":-0.007848837412893772},{"word":"which","start":935.16003,"end":935.4,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.04315848276019096},{"word":"is","start":935.4,"end":935.56,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03362943232059479},{"word":"not","start":935.56,"end":935.72003,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.010697096586227415},{"word":"signable","start":935.72003,"end":936.2,"confidence":0.8429362,"punctuated_word":"signable.","sentiment":"neutral","sentiment_score":0.011337055824697018},{"word":"it's","start":936.2,"end":936.525,"confidence":0.8635254,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.02518150769174099},{"word":"a","start":936.525,"end":936.60504,"confidence":0.6303711,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024406734853982925},{"word":"skip","start":936.60504,"end":937.10504,"confidence":0.9970703,"punctuated_word":"skip","sentiment":"neutral","sentiment_score":0.040213800966739655},{"word":"and","start":937.405,"end":937.565,"confidence":0.39111328,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.017604883760213852},{"word":"then","start":937.565,"end":938.065,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03633010759949684},{"word":"the","start":938.125,"end":938.445,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.034435562789440155},{"word":"consent","start":938.445,"end":938.84503,"confidence":1.0,"punctuated_word":"consent","sentiment":"neutral","sentiment_score":0.04169803857803345},{"word":"form","start":938.84503,"end":939.16504,"confidence":1.0,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.04573936015367508},{"word":"to","start":939.16504,"end":939.405,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.026148557662963867},{"word":"sign","start":939.405,"end":939.905,"confidence":0.99316406,"punctuated_word":"sign.","sentiment":"neutral","sentiment_score":0.029599986970424652},{"word":"after","start":940.04504,"end":940.28503,"confidence":1.0,"punctuated_word":"After","sentiment":"neutral","sentiment_score":0.017028778791427612},{"word":"that","start":940.28503,"end":940.525,"confidence":0.9946289,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.034718163311481476},{"word":"there's","start":940.525,"end":940.765,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.03424941003322601},{"word":"just","start":940.765,"end":941.005,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0271066352725029},{"word":"four","start":941.005,"end":941.16504,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.015955444425344467},{"word":"more","start":941.16504,"end":941.405,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.014798182994127274},{"word":"documents","start":941.405,"end":941.885,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.023526914417743683},{"word":"to","start":941.885,"end":942.04504,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027541350573301315},{"word":"kind","start":942.04504,"end":942.28503,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03676760196685791},{"word":"of","start":942.28503,"end":942.36505,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.053958624601364136},{"word":"skip","start":942.36505,"end":942.685,"confidence":1.0,"punctuated_word":"skip","sentiment":"neutral","sentiment_score":0.0479394793510437},{"word":"through","start":942.685,"end":943.185,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.060601793229579926},{"word":"and","start":943.405,"end":943.565,"confidence":0.96435547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05471135675907135},{"word":"then","start":943.565,"end":943.885,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06549052894115448},{"word":"validate","start":943.885,"end":944.385,"confidence":0.99902344,"punctuated_word":"validate","sentiment":"neutral","sentiment_score":0.07621414959430695},{"word":"at","start":944.525,"end":944.765,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06850690394639969},{"word":"the","start":944.765,"end":944.84503,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07625184208154678},{"word":"end","start":944.84503,"end":945.34503,"confidence":0.99853516,"punctuated_word":"end.","sentiment":"neutral","sentiment_score":0.08087800443172455},{"word":"yep","start":962.45996,"end":962.95996,"confidence":0.9416504,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0014769609551876783},{"word":"thankfully","start":963.26,"end":963.74,"confidence":0.9289551,"punctuated_word":"Thankfully,","sentiment":"positive","sentiment_score":0.3913394808769226},{"word":"you","start":963.74,"end":963.82,"confidence":0.87158203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3311140239238739},{"word":"don't","start":963.82,"end":963.98,"confidence":0.9399414,"punctuated_word":"don't","sentiment":"positive","sentiment_score":0.35723599791526794},{"word":"have","start":963.98,"end":964.215,"confidence":0.86279297,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4340246617794037},{"word":"to","start":964.29504,"end":964.455,"confidence":0.6533203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32193782925605774},{"word":"scroll","start":964.455,"end":964.695,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.06319371610879898},{"word":"through","start":964.695,"end":965.015,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1640038788318634},{"word":"the","start":965.015,"end":965.17505,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29843148589134216},{"word":"bottom","start":965.17505,"end":965.49506,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.216476246714592},{"word":"of","start":965.49506,"end":965.655,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3184761703014374},{"word":"them","start":965.655,"end":965.815,"confidence":0.98095703,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.26587387919425964},{"word":"all","start":965.815,"end":966.05505,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.31853118538856506},{"word":"because","start":966.05505,"end":966.375,"confidence":0.7602539,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.24220287799835205},{"word":"again","start":966.375,"end":966.875,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.2621892988681793},{"word":"once","start":967.17505,"end":967.41504,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.26743099093437195},{"word":"you","start":967.41504,"end":967.575,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15415215492248535},{"word":"get","start":967.575,"end":967.73505,"confidence":0.98291016,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1647157222032547},{"word":"that","start":967.73505,"end":967.97504,"confidence":0.92333984,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2799077332019806},{"word":"investment","start":967.97504,"end":968.455,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.13502800464630127},{"word":"menu","start":968.455,"end":968.935,"confidence":0.9641113,"punctuated_word":"menu,","sentiment":"neutral","sentiment_score":0.16725628077983856},{"word":"491","start":968.935,"end":969.97504,"confidence":0.8607178,"punctuated_word":"491","sentiment":"neutral","sentiment_score":0.25778764486312866},{"word":"pages","start":969.97504,"end":970.47504,"confidence":0.9770508,"punctuated_word":"pages,","sentiment":"neutral","sentiment_score":0.22832798957824707},{"word":"you","start":970.935,"end":971.17505,"confidence":0.90527344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.233440101146698},{"word":"don't","start":971.17505,"end":971.49506,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.14870959520339966},{"word":"have","start":971.49506,"end":971.655,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12551887333393097},{"word":"to","start":971.655,"end":971.815,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09111616015434264},{"word":"read","start":971.815,"end":971.97504,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.066149041056633},{"word":"all","start":971.97504,"end":972.05505,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.09489497542381288},{"word":"the","start":972.05505,"end":972.215,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13607679307460785},{"word":"investment","start":972.215,"end":972.695,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.03185969218611717},{"word":"options","start":972.695,"end":973.195,"confidence":0.9995117,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.08022007346153259},{"word":"yeah","start":977.895,"end":978.215,"confidence":0.98657227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05386348068714142},{"word":"and","start":978.215,"end":978.375,"confidence":0.83935547,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.042652565985918045},{"word":"it","start":978.375,"end":978.53503,"confidence":0.90478516,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.058417908847332},{"word":"should","start":978.53503,"end":978.775,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.08998292684555054},{"word":"do","start":978.775,"end":978.935,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06356451660394669},{"word":"the","start":978.935,"end":979.015,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.000283949077129364},{"word":"old","start":979.015,"end":979.35,"confidence":1.0,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.0020419005304574966},{"word":"spinning","start":979.50995,"end":979.82996,"confidence":0.99902344,"punctuated_word":"spinning","sentiment":"neutral","sentiment_score":0.0024382974952459335},{"word":"circle","start":979.82996,"end":980.14996,"confidence":1.0,"punctuated_word":"circle","sentiment":"neutral","sentiment_score":-0.003818957135081291},{"word":"for","start":980.14996,"end":980.31,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.006817862391471863},{"word":"a","start":980.31,"end":980.47,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.002398335374891758},{"word":"moment","start":980.47,"end":980.70996,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.01013331487774849},{"word":"while","start":980.70996,"end":980.94995,"confidence":0.9980469,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.010866330936551094},{"word":"it","start":980.94995,"end":981.11,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.028917359188199043},{"word":"loads","start":981.11,"end":981.43,"confidence":0.96875,"punctuated_word":"loads,","sentiment":"neutral","sentiment_score":0.011746320873498917},{"word":"which","start":981.43,"end":981.67,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.008224748075008392},{"word":"can","start":981.67,"end":981.99,"confidence":0.9951172,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.008238247595727444},{"word":"take","start":981.99,"end":982.38995,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.008828405290842056},{"word":"a","start":982.38995,"end":982.47,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009701489470899103},{"word":"moment","start":982.47,"end":982.87,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.00820959359407425},{"word":"just","start":982.87,"end":983.02997,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.012684347108006476},{"word":"because","start":983.02997,"end":983.26996,"confidence":0.98535156,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.025503339245915413},{"word":"of","start":983.26996,"end":983.43,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.006539888679981232},{"word":"the","start":983.43,"end":983.50995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013611599802970886},{"word":"amount","start":983.50995,"end":983.91,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.016782745718955994},{"word":"of","start":983.91,"end":984.06995,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.023946767672896385},{"word":"pages","start":984.06995,"end":984.56995,"confidence":0.8835449,"punctuated_word":"pages.","sentiment":"neutral","sentiment_score":0.01804932951927185},{"word":"that","start":988.94995,"end":989.11,"confidence":0.9394531,"punctuated_word":"That","sentiment":"negative","sentiment_score":-0.588116466999054},{"word":"is","start":989.11,"end":989.35,"confidence":0.89453125,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.5934853553771973},{"word":"gonna","start":989.35,"end":989.58997,"confidence":0.8491211,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.5728724002838135},{"word":"crash","start":989.58997,"end":989.91,"confidence":0.9970703,"punctuated_word":"crash","sentiment":"negative","sentiment_score":-0.6741500496864319},{"word":"and","start":989.91,"end":990.06995,"confidence":0.9970703,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.6643933057785034},{"word":"not","start":990.06995,"end":990.31,"confidence":0.99902344,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.6560210585594177},{"word":"work","start":990.31,"end":990.81,"confidence":0.91625977,"punctuated_word":"work?","sentiment":"negative","sentiment_score":-0.6027002334594727},{"word":"yep","start":994.38995,"end":994.79,"confidence":0.954834,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0550004243850708},{"word":"yep","start":994.79,"end":995.29,"confidence":0.9824219,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09084297716617584},{"word":"from","start":996.28503,"end":996.685,"confidence":0.9790039,"punctuated_word":"From","sentiment":"neutral","sentiment_score":0.10450557619333269},{"word":"here","start":996.685,"end":997.005,"confidence":0.7932129,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.1023457795381546},{"word":"so","start":997.005,"end":997.245,"confidence":0.96972656,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.14194296300411224},{"word":"i'll","start":997.245,"end":997.565,"confidence":0.9472656,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.159929558634758},{"word":"obviously","start":997.565,"end":997.965,"confidence":0.96875,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.1334182471036911},{"word":"put","start":997.965,"end":998.205,"confidence":0.9970703,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.12697482109069824},{"word":"in","start":998.205,"end":998.525,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16391246020793915},{"word":"for","start":998.525,"end":998.925,"confidence":0.9682617,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.17325156927108765},{"word":"like","start":998.925,"end":999.085,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.16761335730552673},{"word":"a","start":999.085,"end":999.16504,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18742427229881287},{"word":"next","start":999.16504,"end":999.485,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.13396845757961273},{"word":"annual","start":999.485,"end":999.805,"confidence":0.99902344,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.13123899698257446},{"word":"review","start":999.805,"end":1000.305,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.11977089196443558},{"word":"next","start":1000.925,"end":1001.245,"confidence":0.8388672,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1270904242992401},{"word":"year","start":1001.245,"end":1001.485,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.1304401159286499},{"word":"as","start":1001.485,"end":1001.645,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21354886889457703},{"word":"well","start":1001.645,"end":1002.125,"confidence":0.9921875,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1162935346364975},{"word":"is","start":1002.125,"end":1002.28503,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1354650855064392},{"word":"there","start":1002.28503,"end":1002.525,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15827415883541107},{"word":"anything","start":1002.525,"end":1002.84503,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.11916479468345642},{"word":"that","start":1002.84503,"end":1003.005,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09194842725992204},{"word":"you","start":1003.005,"end":1003.085,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13932299613952637},{"word":"would","start":1003.085,"end":1003.245,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.13418371975421906},{"word":"like","start":1003.245,"end":1003.405,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.15019571781158447},{"word":"me","start":1003.405,"end":1003.565,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.19901691377162933},{"word":"to","start":1003.565,"end":1003.72504,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19579321146011353},{"word":"pencil","start":1003.72504,"end":1004.125,"confidence":1.0,"punctuated_word":"pencil","sentiment":"neutral","sentiment_score":0.205982506275177},{"word":"in","start":1004.125,"end":1004.445,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16222718358039856},{"word":"for","start":1004.445,"end":1004.765,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20691625773906708},{"word":"this","start":1004.765,"end":1005.005,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2467971295118332},{"word":"side","start":1005.005,"end":1005.16504,"confidence":0.97998047,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.24683573842048645},{"word":"of","start":1005.16504,"end":1005.405,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2645491361618042},{"word":"christmas","start":1005.405,"end":1005.805,"confidence":1.0,"punctuated_word":"Christmas","sentiment":"neutral","sentiment_score":0.2414250671863556},{"word":"or","start":1005.805,"end":1005.965,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2084435373544693},{"word":"in","start":1005.965,"end":1006.125,"confidence":0.98291016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2116962969303131},{"word":"the","start":1006.125,"end":1006.28503,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25347059965133667},{"word":"new","start":1006.28503,"end":1006.445,"confidence":0.80322266,"punctuated_word":"New","sentiment":"neutral","sentiment_score":0.24443349242210388},{"word":"year","start":1006.445,"end":1006.765,"confidence":0.99902344,"punctuated_word":"Year","sentiment":"neutral","sentiment_score":0.1655476838350296},{"word":"to","start":1006.765,"end":1007.005,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1555919647216797},{"word":"discuss","start":1007.005,"end":1007.34,"confidence":1.0,"punctuated_word":"discuss","sentiment":"neutral","sentiment_score":0.2297930270433426},{"word":"with","start":1013.42004,"end":1013.7934,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4071466624736786},{"word":"you","start":1013.7934,"end":1014.1667,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13128754496574402},{"word":"guys","start":1014.1667,"end":1014.54004,"confidence":0.99316406,"punctuated_word":"guys?","sentiment":"neutral","sentiment_score":0.25371649861335754},{"word":"i'm","start":1014.54004,"end":1014.7,"confidence":0.98706055,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.558933675289154},{"word":"glad","start":1014.7,"end":1015.2,"confidence":1.0,"punctuated_word":"glad.","sentiment":"positive","sentiment_score":0.5259321928024292},{"word":"cool","start":1021.82,"end":1022.32,"confidence":0.99658203,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.5133642554283142},{"word":"alrighty","start":1022.38,"end":1022.88,"confidence":0.9996745,"punctuated_word":"Alrighty.","sentiment":"positive","sentiment_score":0.3728966116905213},{"word":"i'll","start":1023.655,"end":1023.735,"confidence":0.99194336,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.183802992105484},{"word":"just","start":1023.735,"end":1023.975,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1962055861949921},{"word":"give","start":1023.975,"end":1024.135,"confidence":0.9921875,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.17662513256072998},{"word":"this","start":1024.135,"end":1024.295,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.16406404972076416},{"word":"a","start":1024.295,"end":1024.375,"confidence":0.58447266,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15642324090003967},{"word":"little","start":1024.375,"end":1024.615,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1508273482322693},{"word":"refresh","start":1024.615,"end":1024.935,"confidence":0.99902344,"punctuated_word":"refresh","sentiment":"neutral","sentiment_score":0.1960959434509277},{"word":"and","start":1024.935,"end":1025.095,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11518695950508118},{"word":"see","start":1025.095,"end":1025.255,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.16731826961040497},{"word":"if","start":1025.255,"end":1025.495,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17776280641555786},{"word":"it","start":1025.495,"end":1025.575,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17565812170505524},{"word":"pops","start":1025.575,"end":1025.895,"confidence":1.0,"punctuated_word":"pops","sentiment":"neutral","sentiment_score":0.2099892497062683},{"word":"through","start":1025.895,"end":1026.395,"confidence":0.7807617,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.2125195115804672},{"word":"and","start":1026.455,"end":1026.695,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17977014183998108},{"word":"just","start":1026.695,"end":1026.855,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1902946978807449},{"word":"let","start":1026.855,"end":1027.015,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2310969978570938},{"word":"me","start":1027.015,"end":1027.175,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2712075114250183},{"word":"know","start":1027.175,"end":1027.335,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.28254473209381104},{"word":"once","start":1027.335,"end":1027.655,"confidence":0.99902344,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.26209017634391785},{"word":"that","start":1027.655,"end":1027.975,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.287059485912323},{"word":"circle","start":1027.975,"end":1028.475,"confidence":0.9980469,"punctuated_word":"circle","sentiment":"neutral","sentiment_score":0.3302098214626312},{"word":"alleviates","start":1028.935,"end":1029.435,"confidence":0.98339844,"punctuated_word":"alleviates","sentiment":"neutral","sentiment_score":0.10940827429294586},{"word":"your","start":1029.495,"end":1029.735,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0306919664144516},{"word":"stress","start":1029.735,"end":1030.055,"confidence":1.0,"punctuated_word":"stress","sentiment":"neutral","sentiment_score":-0.03468902409076691},{"word":"there","start":1030.055,"end":1030.555,"confidence":0.9926758,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.07086005806922913},{"word":"makes","start":1036.32,"end":1036.5599,"confidence":0.6645508,"punctuated_word":"Makes","sentiment":"neutral","sentiment_score":-0.24807745218276975},{"word":"it","start":1036.5599,"end":1036.7999,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1996392607688904},{"word":"more","start":1036.7999,"end":1037.0399,"confidence":0.99609375,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.47327905893325806},{"word":"awkward","start":1037.0399,"end":1037.5399,"confidence":0.83203125,"punctuated_word":"awkward.","sentiment":"negative","sentiment_score":-0.5010190010070801},{"word":"you","start":1037.76,"end":1038.0,"confidence":0.37426758,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.134781613945961},{"word":"mean","start":1038.0,"end":1038.1599,"confidence":0.5126953,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":-0.12992069125175476},{"word":"to","start":1038.1599,"end":1038.24,"confidence":0.49047852,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.156988725066185},{"word":"be","start":1038.24,"end":1038.3999,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.17101681232452393},{"word":"patient","start":1038.3999,"end":1038.64,"confidence":0.80566406,"punctuated_word":"patient?","sentiment":"neutral","sentiment_score":-0.20394128561019895},{"word":"should","start":1038.64,"end":1038.88,"confidence":0.9350586,"punctuated_word":"Should","sentiment":"neutral","sentiment_score":-0.24595266580581665},{"word":"i","start":1038.88,"end":1038.96,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1574532687664032},{"word":"reset","start":1038.96,"end":1039.2,"confidence":0.9980469,"punctuated_word":"reset","sentiment":"neutral","sentiment_score":-0.24237379431724548},{"word":"the","start":1039.2,"end":1039.36,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19291475415229797},{"word":"computer","start":1039.36,"end":1039.86,"confidence":0.9995117,"punctuated_word":"computer?","sentiment":"neutral","sentiment_score":-0.18835879862308505},{"word":"just","start":1044.96,"end":1045.2799,"confidence":0.8232422,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.11093084514141084},{"word":"while","start":1045.2799,"end":1045.44,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.0932154655456543},{"word":"that's","start":1045.44,"end":1045.6799,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.08863094449043274},{"word":"doing","start":1045.6799,"end":1045.9199,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.09459207952022552},{"word":"that","start":1045.9199,"end":1046.08,"confidence":0.99853516,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.06999818235635757},{"word":"i'm","start":1046.08,"end":1046.24,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.017903953790664673},{"word":"gonna","start":1046.24,"end":1046.5599,"confidence":0.9707031,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0003038570284843445},{"word":"quickly","start":1046.5599,"end":1046.96,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":-0.005103014409542084},{"word":"check","start":1046.96,"end":1047.46,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.05842272564768791},{"word":"id","start":1047.9199,"end":1048.32,"confidence":0.9550781,"punctuated_word":"ID","sentiment":"neutral","sentiment_score":-0.06045534461736679},{"word":"on","start":1048.32,"end":1048.5599,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0510905347764492},{"word":"file","start":1048.5599,"end":1048.88,"confidence":0.9980469,"punctuated_word":"file","sentiment":"neutral","sentiment_score":-0.059323832392692566},{"word":"because","start":1048.88,"end":1049.12,"confidence":0.9091797,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04480019956827164},{"word":"we","start":1049.12,"end":1049.36,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02905464917421341},{"word":"may","start":1049.36,"end":1049.5199,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.04364554211497307},{"word":"need","start":1049.5199,"end":1049.76,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.07335551828145981},{"word":"some","start":1049.76,"end":1050.08,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.08001910895109177},{"word":"updated","start":1050.08,"end":1050.5599,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":-0.06298120319843292},{"word":"id","start":1050.5599,"end":1050.88,"confidence":0.99902344,"punctuated_word":"ID","sentiment":"neutral","sentiment_score":-0.054562054574489594},{"word":"to","start":1050.88,"end":1051.0399,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06743975728750229},{"word":"certify","start":1051.0399,"end":1051.5399,"confidence":0.99560547,"punctuated_word":"certify.","sentiment":"neutral","sentiment_score":-0.03371836990118027},{"word":"i'll","start":1051.9451,"end":1052.105,"confidence":0.81689453,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.01122838258743286},{"word":"just","start":1052.105,"end":1052.265,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.011835351586341858},{"word":"quickly","start":1052.265,"end":1052.765,"confidence":0.9970703,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.018449656665325165},{"word":"see","start":1052.8251,"end":1053.3251,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.028092339634895325},{"word":"when","start":1053.625,"end":1053.865,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.037455786019563675},{"word":"yours","start":1053.865,"end":1054.265,"confidence":0.99902344,"punctuated_word":"yours","sentiment":"neutral","sentiment_score":-0.059844210743904114},{"word":"was","start":1054.265,"end":1054.5851,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.06114018335938454},{"word":"expiring","start":1054.5851,"end":1055.0851,"confidence":0.99934894,"punctuated_word":"expiring.","sentiment":"neutral","sentiment_score":-0.048381954431533813},{"word":"yeah","start":1058.5851,"end":1058.905,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05056488513946533},{"word":"we've","start":1058.905,"end":1059.225,"confidence":0.99853516,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.005823345854878426},{"word":"had","start":1059.225,"end":1059.4651,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.009688880294561386},{"word":"some","start":1059.4651,"end":1059.9451,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.020741192623972893},{"word":"changes","start":1059.9451,"end":1060.425,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.008393455296754837},{"word":"to","start":1060.425,"end":1060.665,"confidence":0.9086914,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.009521760046482086},{"word":"like","start":1060.665,"end":1061.165,"confidence":0.9921875,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.007175687700510025},{"word":"anti","start":1061.545,"end":1062.025,"confidence":0.77001953,"punctuated_word":"anti","sentiment":"neutral","sentiment_score":-0.01774841547012329},{"word":"money","start":1062.025,"end":1062.3451,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.03132053092122078},{"word":"laundering","start":1062.3451,"end":1062.8251,"confidence":1.0,"punctuated_word":"laundering","sentiment":"neutral","sentiment_score":-0.028195103630423542},{"word":"legislation","start":1062.8251,"end":1063.3251,"confidence":1.0,"punctuated_word":"legislation","sentiment":"neutral","sentiment_score":-0.014423275366425514},{"word":"where","start":1063.625,"end":1063.865,"confidence":0.6401367,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.011041054502129556},{"word":"there's","start":1063.865,"end":1064.105,"confidence":0.9970703,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.005833705887198448},{"word":"a","start":1064.105,"end":1064.185,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004317766055464745},{"word":"few","start":1064.185,"end":1064.3451,"confidence":0.9980469,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.001193031668663025},{"word":"extra","start":1064.3451,"end":1064.61,"confidence":0.9316406,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.008667375892400742},{"word":"checks","start":1064.69,"end":1064.85,"confidence":0.9980469,"punctuated_word":"checks","sentiment":"neutral","sentiment_score":0.0033089499920606613},{"word":"that","start":1064.85,"end":1064.97,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.010216500610113144},{"word":"we","start":1064.97,"end":1065.09,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.009312085807323456},{"word":"need","start":1065.09,"end":1065.49,"confidence":0.9980469,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0029383189976215363},{"word":"to","start":1065.49,"end":1065.57,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004589680582284927},{"word":"do","start":1065.57,"end":1065.97,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.002155754715204239},{"word":"and","start":1065.97,"end":1066.29,"confidence":0.8144531,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.005768917500972748},{"word":"just","start":1066.29,"end":1066.53,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.007524199783802032},{"word":"make","start":1066.53,"end":1066.77,"confidence":0.90771484,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.00405232235789299},{"word":"sure","start":1066.77,"end":1066.9299,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.001773100346326828},{"word":"that","start":1066.9299,"end":1067.17,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0017987284809350967},{"word":"it's","start":1067.17,"end":1067.33,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.017099721357226372},{"word":"always","start":1067.33,"end":1067.73,"confidence":0.99902344,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.029995892196893692},{"word":"kind","start":1067.73,"end":1067.89,"confidence":0.96875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03730729967355728},{"word":"of","start":1067.89,"end":1068.13,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03199344500899315},{"word":"valid","start":1068.13,"end":1068.63,"confidence":0.9970703,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":0.018557514995336533},{"word":"on","start":1068.69,"end":1068.9299,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.034461505711078644},{"word":"file","start":1068.9299,"end":1069.4299,"confidence":0.9797363,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.03014986775815487},{"word":"let's","start":1071.73,"end":1071.97,"confidence":0.99194336,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.10499195754528046},{"word":"have","start":1071.97,"end":1072.09,"confidence":0.9863281,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3869948089122772},{"word":"a","start":1072.09,"end":1072.21,"confidence":0.9482422,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.39006075263023376},{"word":"look","start":1072.21,"end":1072.71,"confidence":0.9926758,"punctuated_word":"look.","sentiment":"positive","sentiment_score":0.3912614285945892},{"word":"yep","start":1078.13,"end":1078.45,"confidence":0.984375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11481261253356934},{"word":"that's","start":1078.45,"end":1078.69,"confidence":0.99658203,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.16174045205116272},{"word":"come","start":1078.69,"end":1078.9299,"confidence":0.9633789,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.16269195079803467},{"word":"through","start":1078.9299,"end":1079.17,"confidence":0.9790039,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.17471671104431152},{"word":"on","start":1079.17,"end":1079.33,"confidence":0.9550781,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15732279419898987},{"word":"our","start":1079.33,"end":1079.57,"confidence":0.97509766,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.13281559944152832},{"word":"end","start":1079.57,"end":1079.73,"confidence":0.98535156,"punctuated_word":"end.","sentiment":"neutral","sentiment_score":0.15885129570961},{"word":"you","start":1079.73,"end":1079.8574,"confidence":0.96435547,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1579219102859497},{"word":"should","start":1079.8574,"end":1079.985,"confidence":0.56152344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.21506136655807495},{"word":"get","start":1080.065,"end":1080.145,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12136624753475188},{"word":"a","start":1080.145,"end":1080.3049,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11962159723043442},{"word":"copy","start":1080.3049,"end":1080.705,"confidence":1.0,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.10513656586408617},{"word":"of","start":1080.705,"end":1080.785,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11930130422115326},{"word":"those","start":1080.785,"end":1081.285,"confidence":0.9692383,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":0.13903570175170898},{"word":"and","start":1081.745,"end":1081.985,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05818576365709305},{"word":"the","start":1081.985,"end":1082.145,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027139339596033096},{"word":"last","start":1082.145,"end":1082.385,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.012114834040403366},{"word":"one","start":1082.385,"end":1082.625,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.019104480743408203},{"word":"i've","start":1082.625,"end":1082.785,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.013397641479969025},{"word":"got","start":1082.785,"end":1083.105,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.008162550628185272},{"word":"was","start":1083.105,"end":1083.505,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0060447752475738525},{"word":"september","start":1083.505,"end":1084.005,"confidence":1.0,"punctuated_word":"September","sentiment":"neutral","sentiment_score":0.010464570485055448},{"word":"of","start":1084.065,"end":1084.225,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.013287248089909554},{"word":"last","start":1084.225,"end":1084.465,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.008575726300477982},{"word":"year","start":1084.465,"end":1084.785,"confidence":0.9980469,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.01934513822197914},{"word":"which","start":1084.785,"end":1085.025,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.02149731107056141},{"word":"i'm","start":1085.025,"end":1085.265,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.026949739083647728},{"word":"assuming","start":1085.265,"end":1085.765,"confidence":1.0,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.03404713794589043},{"word":"has","start":1086.465,"end":1086.705,"confidence":0.9873047,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.01959234848618507},{"word":"not","start":1086.705,"end":1087.025,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.018584683537483215},{"word":"expired","start":1087.025,"end":1087.4249,"confidence":0.9885254,"punctuated_word":"expired.","sentiment":"neutral","sentiment_score":0.003968033939599991},{"word":"let's","start":1087.4249,"end":1087.665,"confidence":1.0,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.036919042468070984},{"word":"have","start":1087.665,"end":1087.825,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03213392198085785},{"word":"a","start":1087.825,"end":1087.905,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.035851120948791504},{"word":"look","start":1087.905,"end":1088.225,"confidence":0.66882324,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.03017895296216011},{"word":"see","start":1088.225,"end":1088.385,"confidence":0.66967773,"punctuated_word":"See.","sentiment":"neutral","sentiment_score":0.015493995510041714},{"word":"sorry","start":1088.385,"end":1088.885,"confidence":0.9995117,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.014868076890707016},{"word":"okay","start":1093.505,"end":1093.905,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04671326279640198},{"word":"i'm","start":1093.905,"end":1093.985,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09745144098997116},{"word":"trying","start":1093.985,"end":1094.3049,"confidence":0.99609375,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.11642460525035858},{"word":"to","start":1094.3049,"end":1094.385,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1377848982810974},{"word":"make","start":1094.385,"end":1094.545,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.11660923063755035},{"word":"it","start":1094.545,"end":1094.625,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.087872713804245},{"word":"out","start":1094.625,"end":1094.865,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09035760164260864},{"word":"as","start":1094.865,"end":1095.025,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12345078587532043},{"word":"best","start":1095.025,"end":1095.1849,"confidence":0.9980469,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.10856450349092484},{"word":"i","start":1095.1849,"end":1095.345,"confidence":0.9604492,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14569823443889618},{"word":"can","start":1095.345,"end":1095.505,"confidence":0.99902344,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.17463023960590365},{"word":"it","start":1095.505,"end":1095.665,"confidence":0.9902344,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.3735427856445313},{"word":"looks","start":1095.665,"end":1095.9,"confidence":0.99121094,"punctuated_word":"looks","sentiment":"positive","sentiment_score":0.3468683063983917},{"word":"like","start":1095.98,"end":1096.3,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07290776073932648},{"word":"february","start":1096.3,"end":1097.1001,"confidence":0.98376465,"punctuated_word":"February","sentiment":"neutral","sentiment_score":0.07713912427425385},{"word":"2028","start":1097.1001,"end":1097.9001,"confidence":0.98376465,"punctuated_word":"2028","sentiment":"neutral","sentiment_score":0.1024392992258072},{"word":"on","start":1097.9,"end":1098.14,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1200699508190155},{"word":"the","start":1098.14,"end":1098.3,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10924404859542848},{"word":"license","start":1098.3,"end":1098.7001,"confidence":0.90283203,"punctuated_word":"license","sentiment":"neutral","sentiment_score":0.05630804970860481},{"word":"system","start":1098.7001,"end":1099.2001,"confidence":0.43371582,"punctuated_word":"system,","sentiment":"neutral","sentiment_score":0.0777060016989708},{"word":"kind","start":1099.34,"end":1099.5801,"confidence":0.5151367,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04700544476509094},{"word":"of","start":1099.5801,"end":1099.66,"confidence":0.95166016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06320540606975555},{"word":"a","start":1099.66,"end":1099.74,"confidence":0.7192383,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07752092182636261},{"word":"bit","start":1099.74,"end":1099.9,"confidence":0.98291016,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.01588337868452072},{"word":"blurry","start":1099.9,"end":1100.14,"confidence":0.99902344,"punctuated_word":"blurry","sentiment":"neutral","sentiment_score":0.04939493909478187},{"word":"on","start":1100.14,"end":1100.3,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08254986256361008},{"word":"the","start":1100.3,"end":1100.4601,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12874969840049744},{"word":"screenshot","start":1100.4601,"end":1100.9601,"confidence":0.92578125,"punctuated_word":"screenshot","sentiment":"neutral","sentiment_score":0.07082173973321915},{"word":"i","start":1101.02,"end":1101.1,"confidence":0.5073242,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09367629885673524},{"word":"can","start":1101.1,"end":1101.26,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09416703134775162},{"word":"see","start":1101.26,"end":1101.76,"confidence":0.9753418,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.08290528506040573},{"word":"but","start":1101.8201,"end":1102.06,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0997602567076683},{"word":"it","start":1102.06,"end":1102.22,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08405537903308868},{"word":"should","start":1102.22,"end":1102.38,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.156531423330307},{"word":"be","start":1102.38,"end":1102.54,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09947410225868224},{"word":"valid","start":1102.54,"end":1102.9401,"confidence":0.99902344,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":0.06563027203083038},{"word":"for","start":1102.9401,"end":1103.1,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04803828150033951},{"word":"another","start":1103.1,"end":1103.6,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.06348150223493576},{"word":"year","start":1104.06,"end":1104.3,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.07122646272182465},{"word":"and","start":1104.3,"end":1104.4601,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08252716809511185},{"word":"a","start":1104.4601,"end":1104.54,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08162330090999603},{"word":"half","start":1104.54,"end":1105.04,"confidence":1.0,"punctuated_word":"half.","sentiment":"neutral","sentiment_score":0.08954509347677231},{"word":"amazing","start":1107.18,"end":1107.5801,"confidence":0.99560547,"punctuated_word":"Amazing,","sentiment":"positive","sentiment_score":0.5941588878631592},{"word":"daniel","start":1107.5801,"end":1108.0801,"confidence":0.77441406,"punctuated_word":"Daniel.","sentiment":"positive","sentiment_score":0.5539741516113281},{"word":"cool","start":1111.425,"end":1111.925,"confidence":0.9567871,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.1722867786884308},{"word":"mhmm","start":1113.1051,"end":1113.6051,"confidence":0.93688965,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05951697006821632},{"word":"alrighty","start":1115.505,"end":1116.005,"confidence":0.90218097,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.12812501192092896},{"word":"so","start":1116.145,"end":1116.305,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1018388420343399},{"word":"that's","start":1116.305,"end":1116.545,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1520717591047287},{"word":"all","start":1116.545,"end":1116.865,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1595473289489746},{"word":"perfect","start":1116.865,"end":1117.365,"confidence":0.99609375,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.585209846496582},{"word":"amazing","start":1118.545,"end":1119.045,"confidence":0.9995117,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.6155861616134644},{"word":"is","start":1119.665,"end":1119.8251,"confidence":0.9394531,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.29332542419433594},{"word":"there","start":1119.8251,"end":1119.9851,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2072296142578125},{"word":"anything","start":1119.9851,"end":1120.2251,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.2709416449069977},{"word":"else","start":1120.2251,"end":1120.4651,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.22513316571712497},{"word":"i","start":1120.4651,"end":1120.625,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15200857818126678},{"word":"can","start":1120.625,"end":1120.7051,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1528508961200714},{"word":"help","start":1120.7051,"end":1120.865,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.1846182942390442},{"word":"you","start":1120.865,"end":1121.025,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2119213491678238},{"word":"with","start":1121.025,"end":1121.265,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.179018035531044},{"word":"before","start":1121.265,"end":1121.5851,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.16621100902557373},{"word":"i","start":1121.5851,"end":1121.8251,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14810775220394137},{"word":"let","start":1121.8251,"end":1121.9851,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.17907458543777466},{"word":"you","start":1121.9851,"end":1122.0651,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19168344140052795},{"word":"go","start":1122.0651,"end":1122.2251,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.16230590641498566},{"word":"for","start":1122.2251,"end":1122.385,"confidence":0.9536133,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1271338015794754},{"word":"your","start":1122.385,"end":1122.545,"confidence":0.98535156,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13575634360313416},{"word":"week","start":1122.545,"end":1123.045,"confidence":0.9970703,"punctuated_word":"week?","sentiment":"neutral","sentiment_score":0.12672993540763855},{"word":"yeah","start":1131.51,"end":1131.83,"confidence":0.9711914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.087215855717659},{"word":"that's","start":1131.83,"end":1132.15,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11652379482984544},{"word":"right","start":1132.15,"end":1132.55,"confidence":0.9904785,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.14185114204883575},{"word":"so","start":1132.55,"end":1133.03,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10000666975975037},{"word":"if","start":1133.03,"end":1133.1901,"confidence":0.9838867,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10774912685155869},{"word":"it's","start":1133.1901,"end":1133.43,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.12709969282150269},{"word":"easy","start":1133.43,"end":1133.75,"confidence":0.61376953,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":0.15536534786224365},{"word":"for","start":1133.75,"end":1133.91,"confidence":0.9902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15286237001419067},{"word":"you","start":1133.91,"end":1134.15,"confidence":0.99658203,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.11952105164527892},{"word":"we","start":1134.15,"end":1134.31,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11503439396619795},{"word":"can","start":1134.31,"end":1134.47,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10742496699094772},{"word":"kind","start":1134.47,"end":1134.71,"confidence":0.9902344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.10959292948246002},{"word":"of","start":1134.71,"end":1134.87,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1100953295826912},{"word":"post","start":1134.87,"end":1135.11,"confidence":0.99902344,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.09148561209440231},{"word":"one","start":1135.11,"end":1135.35,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07282467186450958},{"word":"out","start":1135.35,"end":1135.59,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.08390899002552032},{"word":"with","start":1135.59,"end":1135.75,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08619890362024307},{"word":"a","start":1135.75,"end":1135.91,"confidence":0.9716797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07683391124010086},{"word":"forward","start":1135.91,"end":1136.23,"confidence":0.6503906,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.06119748204946518},{"word":"on","start":1136.23,"end":1136.39,"confidence":0.8173828,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05395878106355667},{"word":"envelope","start":1136.39,"end":1136.87,"confidence":0.98828125,"punctuated_word":"envelope","sentiment":"neutral","sentiment_score":0.05562803894281387},{"word":"unless","start":1136.87,"end":1137.1901,"confidence":0.6845703,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":0.05644896626472473},{"word":"you're","start":1137.1901,"end":1137.35,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05091220140457153},{"word":"comfortable","start":1137.35,"end":1137.83,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.02191559597849846},{"word":"kind","start":1137.83,"end":1137.99,"confidence":0.9741211,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.066136434674263},{"word":"of","start":1137.99,"end":1138.15,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07979606091976166},{"word":"printing","start":1138.15,"end":1138.55,"confidence":1.0,"punctuated_word":"printing","sentiment":"neutral","sentiment_score":0.04790318384766579},{"word":"and","start":1138.55,"end":1138.79,"confidence":0.94921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05374068766832352},{"word":"scanning","start":1138.79,"end":1139.1901,"confidence":1.0,"punctuated_word":"scanning","sentiment":"neutral","sentiment_score":0.0667417049407959},{"word":"and","start":1139.1901,"end":1139.445,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04886180907487869},{"word":"emailing","start":1139.5249,"end":1139.9648,"confidence":0.8725586,"punctuated_word":"emailing.","sentiment":"neutral","sentiment_score":0.06713610887527466},{"word":"what","start":1139.9648,"end":1140.4049,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.04950058460235596},{"word":"would","start":1140.4049,"end":1140.565,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.03552113473415375},{"word":"you","start":1140.565,"end":1140.725,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023920096457004547},{"word":"prefer","start":1140.725,"end":1141.225,"confidence":1.0,"punctuated_word":"prefer?","sentiment":"neutral","sentiment_score":0.09436549246311188},{"word":"alrighty","start":1149.2849,"end":1149.7849,"confidence":0.9811198,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.17887520790100098},{"word":"i'll","start":1149.845,"end":1150.005,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.17447178065776825},{"word":"let","start":1150.005,"end":1150.1649,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1972985416650772},{"word":"the","start":1150.1649,"end":1150.325,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1925359070301056},{"word":"team","start":1150.325,"end":1150.485,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.20131656527519223},{"word":"know","start":1150.485,"end":1150.725,"confidence":0.96533203,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2221121042966843},{"word":"to","start":1150.725,"end":1150.8049,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18516585230827332},{"word":"send","start":1150.8049,"end":1151.0449,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.15883904695510864},{"word":"it","start":1151.0449,"end":1151.205,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17516952753067017},{"word":"digitally","start":1151.205,"end":1151.705,"confidence":0.904541,"punctuated_word":"digitally.","sentiment":"neutral","sentiment_score":0.18604247272014615},{"word":"and","start":1151.79,"end":1151.9501,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.16914911568164823},{"word":"if","start":1151.9501,"end":1152.11,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16456840932369232},{"word":"you","start":1152.11,"end":1152.1901,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15073348581790924},{"word":"run","start":1152.1901,"end":1152.51,"confidence":0.99609375,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.09222988039255142},{"word":"into","start":1152.51,"end":1152.75,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.07329884171485901},{"word":"any","start":1152.75,"end":1153.0701,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.12045332789421082},{"word":"trouble","start":1153.0701,"end":1153.39,"confidence":0.99902344,"punctuated_word":"trouble","sentiment":"neutral","sentiment_score":0.09276744723320007},{"word":"at","start":1153.39,"end":1153.4701,"confidence":0.5776367,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11198683828115465},{"word":"all","start":1153.4701,"end":1153.63,"confidence":0.9975586,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":0.1519773304462433},{"word":"just","start":1153.63,"end":1153.87,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1330842673778534},{"word":"give","start":1153.87,"end":1154.03,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1212637722492218},{"word":"us","start":1154.03,"end":1154.27,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.1392957717180252},{"word":"a","start":1154.27,"end":1154.3501,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1686411052942276},{"word":"call","start":1154.3501,"end":1154.8501,"confidence":1.0,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.1407482624053955},{"word":"no","start":1158.1901,"end":1158.51,"confidence":0.99902344,"punctuated_word":"No","sentiment":"positive","sentiment_score":0.3734184503555298},{"word":"worries","start":1158.51,"end":1158.75,"confidence":1.0,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.41493988037109375},{"word":"thank","start":1158.75,"end":1158.99,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5098823308944702},{"word":"you","start":1158.99,"end":1159.15,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6092227101325989},{"word":"so","start":1159.15,"end":1159.23,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6003448367118835},{"word":"much","start":1159.23,"end":1159.39,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.6113831996917725},{"word":"for","start":1159.39,"end":1159.55,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6803044080734253},{"word":"your","start":1159.55,"end":1159.7101,"confidence":0.9506836,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7173400521278381},{"word":"time","start":1159.7101,"end":1160.2101,"confidence":0.9421387,"punctuated_word":"time,","sentiment":"positive","sentiment_score":0.7018215656280518},{"word":"and","start":1160.3501,"end":1160.67,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6443973183631897},{"word":"have","start":1160.67,"end":1160.8301,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.6797415018081665},{"word":"a","start":1160.8301,"end":1160.99,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6969805955886841},{"word":"fantastic","start":1160.99,"end":1161.4701,"confidence":1.0,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.7578131556510925},{"word":"week","start":1161.4701,"end":1161.9701,"confidence":1.0,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.14829063415527344},{"word":"i","start":1164.8301,"end":1164.99,"confidence":0.96533203,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.468684434890747},{"word":"will","start":1164.99,"end":1165.23,"confidence":0.99853516,"punctuated_word":"will.","sentiment":"positive","sentiment_score":0.36354392766952515},{"word":"i'm","start":1165.23,"end":1165.39,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3402068614959717},{"word":"going","start":1165.39,"end":1165.63,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.4680619537830353},{"word":"straight","start":1165.63,"end":1165.87,"confidence":1.0,"punctuated_word":"straight","sentiment":"positive","sentiment_score":0.4713075757026672},{"word":"for","start":1165.87,"end":1166.11,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4524785578250885},{"word":"a","start":1166.11,"end":1166.1901,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4777709245681762},{"word":"sun","start":1166.1901,"end":1166.43,"confidence":0.9863281,"punctuated_word":"sun","sentiment":"positive","sentiment_score":0.542138397693634},{"word":"walk","start":1166.43,"end":1166.75,"confidence":0.7236328,"punctuated_word":"walk","sentiment":"positive","sentiment_score":0.5429814457893372},{"word":"right","start":1166.75,"end":1166.91,"confidence":1.0,"punctuated_word":"right","sentiment":"positive","sentiment_score":0.38915881514549255},{"word":"now","start":1166.91,"end":1167.135,"confidence":1.0,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.3219832181930542},{"word":"thank","start":1167.375,"end":1167.535,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7074757218360901},{"word":"you","start":1167.535,"end":1168.035,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6085433959960938},{"word":"no","start":1172.335,"end":1172.8151,"confidence":0.95874023,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2128343880176544},{"word":"going","start":1172.8151,"end":1173.135,"confidence":0.8017578,"punctuated_word":"Going","sentiment":"neutral","sentiment_score":-0.18452465534210205},{"word":"till","start":1173.135,"end":1173.375,"confidence":0.88720703,"punctuated_word":"till","sentiment":"neutral","sentiment_score":-0.10697350651025772},{"word":"07:00","start":1173.375,"end":1173.935,"confidence":0.99837244,"punctuated_word":"07:00","sentiment":"neutral","sentiment_score":-0.104766383767128},{"word":"tonight","start":1173.935,"end":1174.335,"confidence":0.9506836,"punctuated_word":"tonight,","sentiment":"neutral","sentiment_score":-0.12981285154819489},{"word":"so","start":1174.335,"end":1174.655,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.007532104849815369},{"word":"i'll","start":1174.655,"end":1174.8151,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.044731974601745605},{"word":"be","start":1174.8151,"end":1174.975,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.021203577518463135},{"word":"back","start":1174.975,"end":1175.475,"confidence":1.0,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":-0.07900242507457733},{"word":"alright","start":1178.4349,"end":1178.835,"confidence":0.8947754,"punctuated_word":"Alright,","sentiment":"neutral","sentiment_score":0.1244734153151512},{"word":"daniel","start":1178.835,"end":1179.2349,"confidence":0.9367676,"punctuated_word":"Daniel.","sentiment":"positive","sentiment_score":0.3403671383857727},{"word":"see","start":1179.2349,"end":1179.4749,"confidence":0.76123047,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.39596855640411377},{"word":"you","start":1179.4749,"end":1179.5549,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.41522061824798584},{"word":"later","start":1179.5549,"end":1180.0549,"confidence":0.9995117,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.25191831588745117},{"word":"no","start":1181.075,"end":1181.315,"confidence":0.9980469,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.22231632471084595},{"word":"worries","start":1181.315,"end":1181.715,"confidence":1.0,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.3879888355731964},{"word":"bye","start":1181.715,"end":1182.215,"confidence":0.9970703,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.30229517817497253}],"paragraphs":{"transcript":"\nGood afternoon, Daniella. It's Tommy here from Oakview. How are you doing? I'm doing absolutely fantastic. It's a beautiful overcast down in the Gold Coast.\n\nWhat about your end? Both having a fantastic time. I have an updated advice strategy to send through to you. Do you still have a bit of time for me today? Perfect.\n\nSo while I pop that through to your email, I'm just gonna do a quick security check with you. If you recall your client password with Oakview it is. I didn't have a a password prompt there, so I was gonna switch over to 3Point. But, yes, it is Lexi. Amazing.\n\nDo you want me to add a prompt down just in case if you ever forget, or do you think you'll always remember? I'm gonna write that down. Go to easy prompt password thing. That'll work. Now are you okay for this call to be recorded?\n\nPerfect. Now I've sent that through to your Gmail account. Will you be able to look onto the document with me today, or should I just kinda walk you through it? Beautiful. No.\n\nSo when you hit that sign button, it'll actually bring open the documents to scroll through with it. Cool. So you should see that beachfront city Gold Coast picture. Amazing. So just to let you know what's here, we're in a bit of an updated plan.\n\nI've factored in everything that's been going on with government legislation changes, the markets, and all the discussions I've had with Dom as well just to make sure what you've got is as up to date as can be. And in addition to the SOA, you also have, like, a consent form for Hub 24 and also just product documents for all the providers, which unfortunately is about 1,400 pages. So these are just for your records. Yeah. So you don't have to read through them.\n\nThey are skippable, but it will give you a copy as well. Perfect. Now if you have a little scroll through to me on pages four and five, it'll be three on the bottom of the document, four on the Odoo system. You'll see a scope of advice. So what this document covers essentially is a review of the superannuation, and your sort of Northern Star guiding goal is a bit of a joint early retirement for you guys.\n\nSo as we refine things over time, we'll continually sort of reanalyze how you're tracking for that ultimate retirement goal. Portfolios, weren't doing anything crazy in terms of additional contributions or anything like that right now. And we have a bit of reminder in there in terms of estate planning just to make sure we've got, you know, a will power of attorney in place. I believe you guys had some will kits previously. Not sure if you guys finalized those.\n\nThat's okay. It's always the way, and it is just our our reminder. On the next page, limited scope. We weren't doing any insurance advice because of health concerns. We're just keeping your rest cover in place, but this does factor in the premiums and the impact that they do have on the super.\n\nCool. In terms of the other goals, we've got your cash flow, debt management, investment goals, and everything listed. You've got beneficiaries in place. That's goals, and everything listed. You've got beneficiaries in place.\n\nThat's great. Essentially, you guys are comfortable managing your your personal goals, which is obviously, you know, holiday savings, debt repayments, mortgages, and so on, that's not covered in this document. Cool. And just out of curiosity, are you guys still planning after you pay down the mortgage to look towards investment properties? Is kind of a a long, long term thing?\n\nOr Yeah. Absolutely. Perfect. I've essentially put down some priorities there just saying that, you know, you're doing some savings. You're paying down your mortgage.\n\nThe properties are probably your third priority, and then everything else comes after that. Perfect. If you scroll through, you'll see a red heading for limited advice warning saying exactly that. It's not covering everything. And if the information isn't accurate, that impacts the advice.\n\nIn terms of your details, may need a little bit of updating here, but there's an about you section where we have you as a student counselor on about 41,000. Still doing part time. Perfect. So I'm gonna add that into your file. Perfect.\n\nSo what that will do is the extra day will obviously lead to more contributions, so a bit higher in terms of invested amounts. And when I do that next review with you guys next year, I can update those details, if your income next financial year has changed significantly. In terms of assets and liabilities, we've got the mortgage, the home, the shares, the car, and the offset. I'm not sure if there's been any major, major changes. I know the market's kind of gone up and down a little bit in terms of the property side of things.\n\nPerfect. And then we've got your hub and your rest super funds listed there as well. Cool. If you swing through, you'll see the insurances. I finally did get some information about the Ali insurances, which was quite strange because they would send us details for one of you guys with the rest of it redacted for the other person, and they were kind of not sending through a holistic view of that joint policy.\n\nLittle bit. Little bit. But we did get the information there, so we are tracking that one. And the rest insurance is there as well. If you go past there, you'll see risk profile on the next two pages being high growth currently.\n\nWe're not changing your risk profile. We're just dealing with the underlying investments at this point. This one's a little bit text heavy, but if you go to pages twelve and thirteen, you'll see strategy recommendations. So what we're essentially recommending is to update the investments within both funds just to be in line with the risk profile and also do a bit of a top up rollover from rest into hub and just maintain that minimum for the insurances still. Now what this essentially says is that we've had to factor in things like brokerage fees, capital gains tax inside the super, and try to make sure that we're lowering your investment costs, improving the performance, and not including any fees that are too high to warrant not changing any investments.\n\nIf you go on the next page so, again, I haven't projected you out to retirement just because it's so many years away. I can't really yeah. I can't accurately go decades and decades with any any uncertainty, but ten years is what we've put in this document. If you swing past there, last couple of sort of text heavy pages on fourteen and fifteen, you'll see advantages and disadvantages in a bit of a table there. So the main thing with all of our portfolios that we put together is brokerage fees because we use ETFs.\n\nAnd, essentially, there's a that 0.11% you've gotta do to purchase them. Once you've got them, they're kind of the lowest fee investments going forward. Cool. If you go past there, some usual warnings. We can't control the stock market in the world.\n\nIf there's, you know, wars and financial crises, that'll impact things. But we do factor in a bit of a long term average because, you know, every five to seven years, there's something going on, and we need to make sure you still get there regardless. Awesome. Now into the sort of detail side of things, you'll see projections and fee comparison on page sixteen, seventeen. You should see a blue table there.\n\nSo good news for you is that with all of the investments, which is we're looking to do, it only came out to be about $238 in terms of capital gains tax inside the super from switching everything out. Now I was expecting a few thousand that came out really good, and we're dropping the investment fees by about the same amount, and it's percentage based. So the larger your balance grows, the more fee savings there will be. The admin fees go up a little bit because obviously, hub twenty four is a bit more expensive than rest. Long average.\n\nSo this one was a bit strange. I have kind of split the performance on the next page for you, but the long term average goes from about 5% to 11, And that's a combination of what REST was doing plus a couple of options inside Hub that weren't doing too well that we're switching out for both of those. So it's a pretty large impact to get you back up into the double digits. Projections wise, bit of a grain of salt. We're thinking over the next ten years, an additional 50,000 in your balance is pretty accurate for the performance and fees and everything all is said and done.\n\nObviously, not factoring in additional work hours. On the next page, you'll see that full breakdown, and that's really just showing you the combined balances where it was and where it's going to and then a split between the old hub twenty four portfolio, the new one, the old rest portfolio, the new one. And what I'm basically trying to do is trying to get as many of them in line with double digit consistency across all time periods. Rest is a little bit behind in five and ten years, but it's not too bad. I would prefer prefer you to keep them in a high growth option for as long as you can rather than keeping it in the current growth option.\n\nSo you can do it online, but we can fill out, like, an investment switch form, send it through to you, like, prefilled with some forward on envelopes, which if that's helpful, unless you're comfortable yeah. That'll be good. I'll fair enough. So I'll get the team to prefill that along with it. Everything relating to hub in terms of rollovers and switches, we do online because we've got transaction access, and rest would just be a form.\n\nAlrighty. Past there, so last two tables for you is investments, red heading on pages eighteen and nineteen. Should be quite a lot of figures on there. So can you make any of these figures out? Is it blurry?\n\nIs it clear? Cool. So the top few rows basically just says we wanna sell out of the growth fund in rest and move it to the high growth. That includes a partial rollover to Hub '24, and the remaining 8,000 will go into that new option as well as your contributions. Cool.\n\nIn terms of the Hub portfolio, the easiest way to understand this is in that second last column under target weight percentages, you'll see all the ones with zero that we're selling out of and all the ones with round figures that we're either rebalancing back to where they should be or the ones that we're including on the next page. We've added five options for you. Basically, need to add in a bit of gold for some alternatives. We're switching out some of the term deposits because the government's phasing a certain type of them out called a bank hybrid. I need to get that switched out.\n\nBennelong was the underperformer, so I'm switching that out with a low fee index fund and a little few extra satellites there as well. Now the last table for you is on page 20 slash 21. You'll see a pie chart there for your asset allocation. So long story short, 90 to a 100% of your funds should be in growth assets, like shares, property, and goals to be high growth. You're sitting at just shy of 84.\n\nOnce we switch both portfolios around and do the rollover, you'll be up to about 93 and a half. It'll fluctuate between there over time. Cool. Just bear in mind too that given the way the world is at the moment, it's gonna be quite the roller coaster ride. It's gonna be going up and down quite a bit.\n\nAnd, yeah, it could be going up 10%, one month down 20% the next few months and then back up 50. It could be all over the shop. We will aim for the long term averages like we normally do over five, seven, and ten years to try and hit those double digits. And then when you're closer to retirement, we'll start to scale back the risk to protect it once it's built. Awesome.\n\nSo I know that was a bit of a flash info dump, but does it make sense what we're doing? Cool. Any questions for me at this point? Alrighty. After that, pretty well just lets you know why you should have a will in place after that, power of attorney as well.\n\nI know you can get some basic kits from Australia Post to the government approved, and we do have, like, some lawyers that we do know that do some slight discounts to do them online if you would like us to send one of those through unless you've still got those will kits. Yeah. Okay. Perfect. We've reiterated the advice fees towards the back, and there is a consent form at the bottom.\n\nSecond last page to consent. So with this whole package, there is a bit of a box that you can fill in some text if you wanna change any of the recommendations. If not, you basically just type in NA and then just sign end date. I will get the forms drafted up once we get this back signed. We have included you guys are still on the partner fee discount with us of 1.1 percent.\n\nSo I've included that updated consent form as well. Now have you used this system before? Cool. So the only reminder here is that when you go there's, like, a begin button that brings you to the spots to sign. What'll basically happen is you sign the authority to proceed here.\n\nYou'll then move over to the next document, which is the appendix, which is not signable. It's a skip and then the consent form to sign. After that, there's just four more documents to kind of skip through and then validate at the end. Yep. Thankfully, you don't have to scroll through the bottom of them all because, again, once you get that investment menu, 491 pages, you don't have to read all the investment options.\n\nYeah. And it should do the old spinning circle for a moment while it loads, which can take a moment just because of the amount of pages. That is gonna crash and not work? Yep. Yep.\n\nFrom here, so I'll obviously put in for, like, a next annual review next year as well. Is there anything that you would like me to pencil in for this side of Christmas or in the New Year to discuss with you guys? I'm glad. Cool. Alrighty.\n\nI'll just give this a little refresh and see if it pops through, and just let me know once that circle alleviates your stress there. Makes it more awkward. You mean to be patient? Should I reset the computer? Just while that's doing that, I'm gonna quickly check ID on file because we may need some updated ID to certify.\n\nI'll just quickly see when yours was expiring. Yeah. We've had some changes to, like, anti money laundering legislation where there's a few extra checks that we need to do and just make sure that it's always kind of valid on file. Let's have a look. Yep.\n\nThat's come through on our end. You should get a copy of those. And the last one I've got was September of last year, which I'm assuming has not expired. Let's have a look. See.\n\nSorry. Okay. I'm trying to make it out as best I can. It looks like February 2028 on the license system, kind of a bit blurry on the screenshot I can see, but it should be valid for another year and a half. Amazing, Daniel.\n\nCool. Mhmm. Alrighty. So that's all perfect. Amazing.\n\nIs there anything else I can help you with before I let you go for your week? Yeah. That's right. So if it's easy for you, we can kind of post one out with a forward on envelope unless you're comfortable kind of printing and scanning and emailing. What would you prefer?\n\nAlrighty. I'll let the team know to send it digitally. And if you run into any trouble at all, just give us a call. No worries. Thank you so much for your time, and have a fantastic week.\n\nI will. I'm going straight for a sun walk right now. Thank you. No. Going till 07:00 tonight, so I'll be back.\n\nAlright, Daniel. See you later. No worries. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Daniella.","start":2.3999999,"end":3.84,"sentiment":"neutral","sentiment_score":0.25100477039813995},{"text":"It's Tommy here from Oakview.","start":3.84,"end":5.12,"sentiment":"neutral","sentiment_score":0.1808468669652939},{"text":"How are you doing?","start":5.12,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.19588744640350342},{"text":"I'm doing absolutely fantastic.","start":7.44,"end":9.139999,"sentiment":"positive","sentiment_score":0.7279832363128662},{"text":"It's a beautiful overcast down in the Gold Coast.","start":9.2,"end":11.28,"sentiment":"positive","sentiment_score":0.5346815685431162}],"sentiment":"positive","sentiment_score":0.40659461975097655,"num_words":25,"start":2.3999999,"end":11.28},{"sentences":[{"text":"What about your end?","start":11.28,"end":12.42,"sentiment":"neutral","sentiment_score":0.12085891142487526},{"text":"Both having a fantastic time.","start":15.595,"end":17.455,"sentiment":"positive","sentiment_score":0.46879781484603883},{"text":"I have an updated advice strategy to send through to you.","start":19.835,"end":23.515,"sentiment":"neutral","sentiment_score":0.23015038669109344},{"text":"Do you still have a bit of time for me today?","start":23.515,"end":25.615,"sentiment":"neutral","sentiment_score":0.054399040612307464},{"text":"Perfect.","start":27.115,"end":27.615,"sentiment":"positive","sentiment_score":0.4028841257095337}],"sentiment":"neutral","sentiment_score":0.19876101706176996,"num_words":32,"start":11.28,"end":27.615},{"sentences":[{"text":"So while I pop that through to your email, I'm just gonna do a quick security check with you.","start":27.94,"end":33.0,"sentiment":"neutral","sentiment_score":0.11147618666291237},{"text":"If you recall your client password with Oakview it is.","start":33.7,"end":41.865,"sentiment":"neutral","sentiment_score":0.032605533860623835},{"text":"I didn't have a a password prompt there, so I was gonna switch over to 3Point.","start":42.505,"end":46.345,"sentiment":"neutral","sentiment_score":0.039489455753937364},{"text":"But, yes, it is Lexi.","start":46.345,"end":47.725002,"sentiment":"neutral","sentiment_score":0.11763555109500885},{"text":"Amazing.","start":49.705,"end":50.105003,"sentiment":"positive","sentiment_score":0.4222153723239898}],"sentiment":"neutral","sentiment_score":0.08012406480516873,"num_words":51,"start":27.94,"end":50.105003},{"sentences":[{"text":"Do you want me to add a prompt down just in case if you ever forget, or do you think you'll always remember?","start":50.105003,"end":54.36,"sentiment":"neutral","sentiment_score":0.10926769123129222},{"text":"I'm gonna write that down.","start":60.440002,"end":61.64,"sentiment":"neutral","sentiment_score":0.017855342105031015},{"text":"Go to easy prompt password thing.","start":61.64,"end":64.14,"sentiment":"neutral","sentiment_score":0.04100679699331522},{"text":"That'll work.","start":65.72,"end":66.675,"sentiment":"neutral","sentiment_score":0.1452130824327469},{"text":"Now are you okay for this call to be recorded?","start":66.915,"end":69.015,"sentiment":"neutral","sentiment_score":0.04794051088392735}],"sentiment":"neutral","sentiment_score":0.07865881879368554,"num_words":46,"start":50.105003,"end":69.015},{"sentences":[{"text":"Perfect.","start":71.315,"end":71.815,"sentiment":"positive","sentiment_score":0.335462749004364},{"text":"Now I've sent that through to your Gmail account.","start":71.875,"end":75.015,"sentiment":"neutral","sentiment_score":0.11462439513868755},{"text":"Will you be able to look onto the document with me today, or should I just kinda walk you through it?","start":75.235,"end":79.415,"sentiment":"neutral","sentiment_score":0.053098312712141445},{"text":"Beautiful.","start":82.75,"end":83.25,"sentiment":"neutral","sentiment_score":0.1854490041732788},{"text":"No.","start":84.27,"end":84.509995,"sentiment":"neutral","sentiment_score":0.010929135605692863}],"sentiment":"neutral","sentiment_score":0.08116742460565134,"num_words":33,"start":71.315,"end":84.509995},{"sentences":[{"text":"So when you hit that sign button, it'll actually bring open the documents to scroll through with it.","start":84.509995,"end":88.92999,"sentiment":"neutral","sentiment_score":0.019724678248167038},{"text":"Cool.","start":90.509995,"end":90.909996,"sentiment":"neutral","sentiment_score":0.13940370082855225},{"text":"So you should see that beachfront city Gold Coast picture.","start":90.909996,"end":94.13,"sentiment":"neutral","sentiment_score":0.10876639857888222},{"text":"Amazing.","start":95.63,"end":96.13,"sentiment":"positive","sentiment_score":0.3566601872444153},{"text":"So just to let you know what's here, we're in a bit of an updated plan.","start":96.189995,"end":100.065,"sentiment":"neutral","sentiment_score":0.15697713196277618}],"sentiment":"neutral","sentiment_score":0.09674796073333077,"num_words":46,"start":84.509995,"end":100.065},{"sentences":[{"text":"I've factored in everything that's been going on with government legislation changes, the markets, and all the discussions I've had with Dom as well just to make sure what you've got is as up to date as can be.","start":100.065,"end":111.365005,"sentiment":"neutral","sentiment_score":0.12411416546465495},{"text":"And in addition to the SOA, you also have, like, a consent form for Hub 24 and also just product documents for all the providers, which unfortunately is about 1,400 pages.","start":111.91,"end":124.950005,"sentiment":"neutral","sentiment_score":0.10594630217359911},{"text":"So these are just for your records.","start":124.950005,"end":126.555,"sentiment":"neutral","sentiment_score":-0.023871025336640223},{"text":"Yeah.","start":128.475,"end":128.715,"sentiment":"neutral","sentiment_score":0.2120361328125},{"text":"So you don't have to read through them.","start":128.715,"end":129.915,"sentiment":"neutral","sentiment_score":0.17374649085104465}],"sentiment":"neutral","sentiment_score":0.11115928724148245,"num_words":86,"start":100.065,"end":129.915},{"sentences":[{"text":"They are skippable, but it will give you a copy as well.","start":129.915,"end":133.295,"sentiment":"neutral","sentiment_score":0.23309089243412018},{"text":"Perfect.","start":134.715,"end":135.035,"sentiment":"positive","sentiment_score":0.5543718934059143},{"text":"Now if you have a little scroll through to me on pages four and five, it'll be three on the bottom of the document, four on the Odoo system.","start":135.035,"end":145.14,"sentiment":"neutral","sentiment_score":0.11664097062472639},{"text":"You'll see a scope of advice.","start":145.52,"end":147.3,"sentiment":"neutral","sentiment_score":0.08694099262356758},{"text":"So what this document covers essentially is a review of the superannuation, and your sort of Northern Star guiding goal is a bit of a joint early retirement for you guys.","start":151.13501,"end":161.77501,"sentiment":"neutral","sentiment_score":0.12418024722606905}],"sentiment":"neutral","sentiment_score":0.14057321987951857,"num_words":79,"start":129.915,"end":161.77501},{"sentences":[{"text":"So as we refine things over time, we'll continually sort of reanalyze how you're tracking for that ultimate retirement goal.","start":161.77501,"end":166.595,"sentiment":"neutral","sentiment_score":0.1300475623458624},{"text":"Portfolios, weren't doing anything crazy in terms of additional contributions or anything like that right now.","start":174.06999,"end":181.825,"sentiment":"neutral","sentiment_score":0.013633989612571895},{"text":"And we have a bit of reminder in there in terms of estate planning just to make sure we've got, you know, a will power of attorney in place.","start":182.125,"end":190.125,"sentiment":"neutral","sentiment_score":0.03524267288117573},{"text":"I believe you guys had some will kits previously.","start":190.125,"end":192.30501,"sentiment":"neutral","sentiment_score":-0.00016016647633579017},{"text":"Not sure if you guys finalized those.","start":192.445,"end":194.64,"sentiment":"neutral","sentiment_score":-0.028973926790058613}],"sentiment":"neutral","sentiment_score":0.044899674178457555,"num_words":81,"start":161.77501,"end":194.64},{"sentences":[{"text":"That's okay.","start":197.12,"end":197.6,"sentiment":"neutral","sentiment_score":0.08253008127212524},{"text":"It's always the way, and it is just our our reminder.","start":197.6,"end":200.42,"sentiment":"neutral","sentiment_score":0.10900454832748933},{"text":"On the next page, limited scope.","start":203.6,"end":205.36,"sentiment":"neutral","sentiment_score":0.025388608531405527},{"text":"We weren't doing any insurance advice because of health concerns.","start":205.36,"end":209.785,"sentiment":"neutral","sentiment_score":-0.04712031297385692},{"text":"We're just keeping your rest cover in place, but this does factor in the premiums and the impact that they do have on the super.","start":209.785,"end":216.605,"sentiment":"neutral","sentiment_score":0.029583870247006417}],"sentiment":"neutral","sentiment_score":0.03305250873651217,"num_words":54,"start":197.12,"end":216.605},{"sentences":[{"text":"Cool.","start":218.425,"end":218.925,"sentiment":"neutral","sentiment_score":0.28063124418258667},{"text":"In terms of the other goals, we've got your cash flow, debt management, investment goals, and everything listed.","start":219.225,"end":222.72899,"sentiment":"neutral","sentiment_score":0.153270632856422},{"text":"You've got beneficiaries in place.","start":222.72899,"end":223.075,"sentiment":"neutral","sentiment_score":0.18096495568752288},{"text":"That's goals, and everything listed.","start":223.075,"end":226.25665,"sentiment":"neutral","sentiment_score":0.19562724530696868},{"text":"You've got beneficiaries in place.","start":226.25665,"end":227.63,"sentiment":"neutral","sentiment_score":0.247802996635437}],"sentiment":"neutral","sentiment_score":0.18121995952199488,"num_words":34,"start":218.425,"end":227.63},{"sentences":[{"text":"That's great.","start":227.63,"end":228.17,"sentiment":"positive","sentiment_score":0.48036038875579834},{"text":"Essentially, you guys are comfortable managing your your personal goals, which is obviously, you know, holiday savings, debt repayments, mortgages, and so on, that's not covered in this document.","start":228.95,"end":240.135,"sentiment":"neutral","sentiment_score":0.13994645956775237},{"text":"Cool.","start":242.11499,"end":242.595,"sentiment":"positive","sentiment_score":0.3519640862941742},{"text":"And just out of curiosity, are you guys still planning after you pay down the mortgage to look towards investment properties?","start":242.595,"end":248.03499,"sentiment":"neutral","sentiment_score":0.026130106654905137},{"text":"Is kind of a a long, long term thing?","start":248.03499,"end":250.62999,"sentiment":"neutral","sentiment_score":0.006550712303982841}],"sentiment":"neutral","sentiment_score":0.0964325942219265,"num_words":62,"start":227.63,"end":250.62999},{"sentences":[{"text":"Or Yeah.","start":250.84999,"end":256.61,"sentiment":"neutral","sentiment_score":0.04397871810942888},{"text":"Absolutely.","start":256.61,"end":257.11,"sentiment":"neutral","sentiment_score":0.3125789761543274},{"text":"Perfect.","start":258.13,"end":258.63,"sentiment":"positive","sentiment_score":0.5732544660568237},{"text":"I've essentially put down some priorities there just saying that, you know, you're doing some savings.","start":259.16998,"end":263.405,"sentiment":"neutral","sentiment_score":0.2816499453037977},{"text":"You're paying down your mortgage.","start":263.405,"end":264.525,"sentiment":"neutral","sentiment_score":0.17138910293579102}],"sentiment":"neutral","sentiment_score":0.2534854207187891,"num_words":25,"start":250.84999,"end":264.525},{"sentences":[{"text":"The properties are probably your third priority, and then everything else comes after that.","start":264.525,"end":269.345,"sentiment":"neutral","sentiment_score":0.10941013747027942},{"text":"Perfect.","start":271.245,"end":271.745,"sentiment":"positive","sentiment_score":0.4048549830913544},{"text":"If you scroll through, you'll see a red heading for limited advice warning saying exactly that.","start":272.045,"end":276.63,"sentiment":"neutral","sentiment_score":-0.05400159559212625},{"text":"It's not covering everything.","start":276.63,"end":277.85,"sentiment":"neutral","sentiment_score":-0.23288233950734138},{"text":"And if the information isn't accurate, that impacts the advice.","start":277.99,"end":281.53,"sentiment":"neutral","sentiment_score":-0.17749251425266266}],"sentiment":"neutral","sentiment_score":-0.036308513830105464,"num_words":45,"start":264.525,"end":281.53},{"sentences":[{"text":"In terms of your details, may need a little bit of updating here, but there's an about you section where we have you as a student counselor on about 41,000.","start":283.50998,"end":293.655,"sentiment":"neutral","sentiment_score":0.033667593635618685},{"text":"Still doing part time.","start":294.275,"end":295.655,"sentiment":"neutral","sentiment_score":0.02352260099723935},{"text":"Perfect.","start":300.435,"end":300.935,"sentiment":"neutral","sentiment_score":0.23836387693881989},{"text":"So I'm gonna add that into your file.","start":301.155,"end":313.15002,"sentiment":"neutral","sentiment_score":0.06656994251534343},{"text":"Perfect.","start":313.15002,"end":313.65002,"sentiment":"neutral","sentiment_score":0.2919215261936188}],"sentiment":"neutral","sentiment_score":0.04924916264347055,"num_words":44,"start":283.50998,"end":313.65002},{"sentences":[{"text":"So what that will do is the extra day will obviously lead to more contributions, so a bit higher in terms of invested amounts.","start":313.71002,"end":320.685,"sentiment":"neutral","sentiment_score":0.1775747500360012},{"text":"And when I do that next review with you guys next year, I can update those details, if your income next financial year has changed significantly.","start":321.065,"end":329.72498,"sentiment":"neutral","sentiment_score":0.05360856365699034},{"text":"In terms of assets and liabilities, we've got the mortgage, the home, the shares, the car, and the offset.","start":333.16998,"end":339.18997,"sentiment":"neutral","sentiment_score":0.09782451783355914},{"text":"I'm not sure if there's been any major, major changes.","start":339.56998,"end":342.05,"sentiment":"neutral","sentiment_score":-0.07861892655491828},{"text":"I know the market's kind of gone up and down a little bit in terms of the property side of things.","start":342.05,"end":346.425,"sentiment":"neutral","sentiment_score":-0.047225632128261384}],"sentiment":"neutral","sentiment_score":0.057363549545407296,"num_words":100,"start":313.71002,"end":346.425},{"sentences":[{"text":"Perfect.","start":350.985,"end":351.485,"sentiment":"neutral","sentiment_score":0.007275763433426619},{"text":"And then we've got your hub and your rest super funds listed there as well.","start":351.78497,"end":355.805,"sentiment":"neutral","sentiment_score":0.04988912406067054},{"text":"Cool.","start":357.145,"end":357.645,"sentiment":"positive","sentiment_score":0.3484119772911072},{"text":"If you swing through, you'll see the insurances.","start":357.865,"end":359.805,"sentiment":"neutral","sentiment_score":0.0903504453599453},{"text":"I finally did get some information about the Ali insurances, which was quite strange because they would send us details for one of you guys with the rest of it redacted for the other person, and they were kind of not sending through a holistic view of that joint policy.","start":360.26498,"end":375.905,"sentiment":"neutral","sentiment_score":-0.11668773785233498}],"sentiment":"neutral","sentiment_score":-0.05343411637470126,"num_words":75,"start":350.985,"end":375.905},{"sentences":[{"text":"Little bit.","start":378.125,"end":378.685,"sentiment":"neutral","sentiment_score":-0.18847090005874637},{"text":"Little bit.","start":378.685,"end":379.085,"sentiment":"neutral","sentiment_score":-0.13198237866163254},{"text":"But we did get the information there, so we are tracking that one.","start":379.085,"end":382.305,"sentiment":"neutral","sentiment_score":-0.003070072485850407},{"text":"And the rest insurance is there as well.","start":384.205,"end":386.49,"sentiment":"neutral","sentiment_score":0.2031106874346733},{"text":"If you go past there, you'll see risk profile on the next two pages being high growth currently.","start":388.33,"end":393.87,"sentiment":"neutral","sentiment_score":0.025934279378917482}],"sentiment":"neutral","sentiment_score":0.03281127973351368,"num_words":43,"start":378.125,"end":393.87},{"sentences":[{"text":"We're not changing your risk profile.","start":393.93,"end":395.94998,"sentiment":"neutral","sentiment_score":-0.0972554050385952},{"text":"We're just dealing with the underlying investments at this point.","start":396.09,"end":398.99,"sentiment":"neutral","sentiment_score":-0.034170903638005255},{"text":"This one's a little bit text heavy, but if you go to pages twelve and thirteen, you'll see strategy recommendations.","start":400.715,"end":406.57498,"sentiment":"neutral","sentiment_score":0.09055873565375805},{"text":"So what we're essentially recommending is to update the investments within both funds just to be in line with the risk profile and also do a bit of a top up rollover from rest into hub and just maintain that minimum for the insurances still.","start":409.51498,"end":423.99,"sentiment":"neutral","sentiment_score":0.09261792285574807},{"text":"Now what this essentially says is that we've had to factor in things like brokerage fees, capital gains tax inside the super, and try to make sure that we're lowering your investment costs, improving the performance, and not including any fees that are too high to warrant not changing any investments.","start":425.65,"end":441.245,"sentiment":"neutral","sentiment_score":0.06548144149721838}],"sentiment":"neutral","sentiment_score":0.06358555523735104,"num_words":132,"start":393.93,"end":441.245},{"sentences":[{"text":"If you go on the next page so, again, I haven't projected you out to retirement just because it's so many years away.","start":441.245,"end":451.15002,"sentiment":"neutral","sentiment_score":-0.13248777259951053},{"text":"I can't really yeah.","start":451.53,"end":453.45,"sentiment":"neutral","sentiment_score":-0.19571039825677872},{"text":"I can't accurately go decades and decades with any any uncertainty, but ten years is what we've put in this document.","start":453.45,"end":460.725,"sentiment":"neutral","sentiment_score":-0.1325452391590391},{"text":"If you swing past there, last couple of sort of text heavy pages on fourteen and fifteen, you'll see advantages and disadvantages in a bit of a table there.","start":462.705,"end":471.17,"sentiment":"neutral","sentiment_score":-0.06350200745309222},{"text":"So the main thing with all of our portfolios that we put together is brokerage fees because we use ETFs.","start":473.15,"end":479.41,"sentiment":"neutral","sentiment_score":0.030084351450204848}],"sentiment":"neutral","sentiment_score":-0.08096269662155933,"num_words":97,"start":441.245,"end":479.41},{"sentences":[{"text":"And, essentially, there's a that 0.11% you've gotta do to purchase them.","start":479.79,"end":484.335,"sentiment":"neutral","sentiment_score":0.08517259421447913},{"text":"Once you've got them, they're kind of the lowest fee investments going forward.","start":484.41498,"end":487.79498,"sentiment":"neutral","sentiment_score":0.17497504215974075},{"text":"Cool.","start":490.01498,"end":490.255,"sentiment":"positive","sentiment_score":0.4567267298698426},{"text":"If you go past there, some usual warnings.","start":490.255,"end":492.815,"sentiment":"neutral","sentiment_score":0.10032239276915789},{"text":"We can't control the stock market in the world.","start":492.815,"end":495.055,"sentiment":"neutral","sentiment_score":-0.032991537203391395}],"sentiment":"neutral","sentiment_score":0.09904950501960377,"num_words":43,"start":479.79,"end":495.055},{"sentences":[{"text":"If there's, you know, wars and financial crises, that'll impact things.","start":495.055,"end":498.54,"sentiment":"neutral","sentiment_score":-0.01835772175003182},{"text":"But we do factor in a bit of a long term average because, you know, every five to seven years, there's something going on, and we need to make sure you still get there regardless.","start":498.78,"end":507.84,"sentiment":"neutral","sentiment_score":0.05141986310482025},{"text":"Awesome.","start":509.9,"end":510.4,"sentiment":"positive","sentiment_score":0.5691159963607788},{"text":"Now into the sort of detail side of things, you'll see projections and fee comparison on page sixteen, seventeen.","start":510.54,"end":517.265,"sentiment":"neutral","sentiment_score":0.1457432884919016},{"text":"You should see a blue table there.","start":517.48505,"end":519.265,"sentiment":"neutral","sentiment_score":0.09503828521285738}],"sentiment":"neutral","sentiment_score":0.07672968141938726,"num_words":73,"start":495.055,"end":519.265},{"sentences":[{"text":"So good news for you is that with all of the investments, which is we're looking to do, it only came out to be about $238 in terms of capital gains tax inside the super from switching everything out.","start":520.92505,"end":534.22,"sentiment":"positive","sentiment_score":0.33535629472671413},{"text":"Now I was expecting a few thousand that came out really good, and we're dropping the investment fees by about the same amount, and it's percentage based.","start":536.92,"end":546.425,"sentiment":"neutral","sentiment_score":0.21307531440699543},{"text":"So the larger your balance grows, the more fee savings there will be.","start":546.425,"end":549.725,"sentiment":"neutral","sentiment_score":0.1412330407362718},{"text":"The admin fees go up a little bit because obviously, hub twenty four is a bit more expensive than rest.","start":551.625,"end":556.02,"sentiment":"neutral","sentiment_score":-0.12601708490401506},{"text":"Long average.","start":558.58,"end":559.46,"sentiment":"neutral","sentiment_score":-0.01665250677615404}],"sentiment":"neutral","sentiment_score":0.179349621794749,"num_words":101,"start":520.92505,"end":559.46},{"sentences":[{"text":"So this one was a bit strange.","start":559.46,"end":560.74,"sentiment":"neutral","sentiment_score":-0.05088333413004875},{"text":"I have kind of split the performance on the next page for you, but the long term average goes from about 5% to 11, And that's a combination of what REST was doing plus a couple of options inside Hub that weren't doing too well that we're switching out for both of those.","start":560.74,"end":576.885,"sentiment":"neutral","sentiment_score":-0.0077104406466461575},{"text":"So it's a pretty large impact to get you back up into the double digits.","start":577.02496,"end":582.5,"sentiment":"positive","sentiment_score":0.3765901505947113},{"text":"Projections wise, bit of a grain of salt.","start":585.52,"end":588.32,"sentiment":"neutral","sentiment_score":0.09012129483744502},{"text":"We're thinking over the next ten years, an additional 50,000 in your balance is pretty accurate for the performance and fees and everything all is said and done.","start":588.32,"end":597.73505,"sentiment":"neutral","sentiment_score":0.2746114049639021}],"sentiment":"neutral","sentiment_score":0.11976671408492702,"num_words":111,"start":559.46,"end":597.73505},{"sentences":[{"text":"Obviously, not factoring in additional work hours.","start":597.79504,"end":600.375,"sentiment":"neutral","sentiment_score":0.06330333729939801},{"text":"On the next page, you'll see that full breakdown, and that's really just showing you the combined balances where it was and where it's going to and then a split between the old hub twenty four portfolio, the new one, the old rest portfolio, the new one.","start":602.995,"end":620.145,"sentiment":"neutral","sentiment_score":0.0676415991038084},{"text":"And what I'm basically trying to do is trying to get as many of them in line with double digit consistency across all time periods.","start":620.385,"end":627.125,"sentiment":"neutral","sentiment_score":0.15445192277431488},{"text":"Rest is a little bit behind in five and ten years, but it's not too bad.","start":628.625,"end":632.565,"sentiment":"neutral","sentiment_score":0.00769512471742928},{"text":"I would prefer prefer you to keep them in a high growth option for as long as you can rather than keeping it in the current growth option.","start":632.705,"end":640.51,"sentiment":"neutral","sentiment_score":0.1590126526675054}],"sentiment":"neutral","sentiment_score":0.09804108015042011,"num_words":123,"start":597.79504,"end":640.51},{"sentences":[{"text":"So you can do it online, but we can fill out, like, an investment switch form, send it through to you, like, prefilled with some forward on envelopes, which if that's helpful, unless you're comfortable yeah.","start":646.89,"end":659.285,"sentiment":"neutral","sentiment_score":0.07854337620341943},{"text":"That'll be good.","start":659.345,"end":660.325,"sentiment":"neutral","sentiment_score":0.1324000060558319},{"text":"I'll fair enough.","start":660.46497,"end":667.07,"sentiment":"neutral","sentiment_score":0.049894231061140694},{"text":"So I'll get the team to prefill that along with it.","start":667.07,"end":669.89,"sentiment":"neutral","sentiment_score":0.11828340725465254},{"text":"Everything relating to hub in terms of rollovers and switches, we do online because we've got transaction access, and rest would just be a form.","start":670.11,"end":677.825,"sentiment":"neutral","sentiment_score":0.11434849172830581}],"sentiment":"neutral","sentiment_score":0.09659325676516463,"num_words":78,"start":646.89,"end":677.825},{"sentences":[{"text":"Alrighty.","start":680.205,"end":680.705,"sentiment":"neutral","sentiment_score":0.1849335730075836},{"text":"Past there, so last two tables for you is investments, red heading on pages eighteen and nineteen.","start":681.485,"end":688.545,"sentiment":"neutral","sentiment_score":0.06655529229079976},{"text":"Should be quite a lot of figures on there.","start":688.765,"end":691.04004,"sentiment":"neutral","sentiment_score":0.13777335484822592},{"text":"So can you make any of these figures out?","start":693.02,"end":694.7,"sentiment":"neutral","sentiment_score":0.01792725558496184},{"text":"Is it blurry?","start":694.7,"end":695.42004,"sentiment":"neutral","sentiment_score":-0.02134396570424239}],"sentiment":"neutral","sentiment_score":0.06804223432659338,"num_words":39,"start":680.205,"end":695.42004},{"sentences":[{"text":"Is it clear?","start":695.42004,"end":696.08,"sentiment":"neutral","sentiment_score":-0.004519709385931491},{"text":"Cool.","start":699.26,"end":699.66003,"sentiment":"neutral","sentiment_score":0.2871461510658264},{"text":"So the top few rows basically just says we wanna sell out of the growth fund in rest and move it to the high growth.","start":699.66003,"end":705.165,"sentiment":"neutral","sentiment_score":0.12876242756843567},{"text":"That includes a partial rollover to Hub '24, and the remaining 8,000 will go into that new option as well as your contributions.","start":706.52496,"end":714.545,"sentiment":"neutral","sentiment_score":0.18916432105976602},{"text":"Cool.","start":716.685,"end":717.185,"sentiment":"neutral","sentiment_score":0.028768111020326614}],"sentiment":"neutral","sentiment_score":0.14853198504743148,"num_words":53,"start":695.42004,"end":717.185},{"sentences":[{"text":"In terms of the Hub portfolio, the easiest way to understand this is in that second last column under target weight percentages, you'll see all the ones with zero that we're selling out of and all the ones with round figures that we're either rebalancing back to where they should be or the ones that we're including on the next page.","start":717.40497,"end":737.04504,"sentiment":"neutral","sentiment_score":0.020953146847667265},{"text":"We've added five options for you.","start":737.505,"end":740.24506,"sentiment":"neutral","sentiment_score":0.14150197431445122},{"text":"Basically, need to add in a bit of gold for some alternatives.","start":740.385,"end":743.68506,"sentiment":"neutral","sentiment_score":0.11333178232113521},{"text":"We're switching out some of the term deposits because the government's phasing a certain type of them out called a bank hybrid.","start":745.905,"end":751.25,"sentiment":"neutral","sentiment_score":0.05466833134943789},{"text":"I need to get that switched out.","start":751.31,"end":752.93,"sentiment":"neutral","sentiment_score":0.05249477284295218}],"sentiment":"neutral","sentiment_score":0.04682686936144752,"num_words":108,"start":717.40497,"end":752.93},{"sentences":[{"text":"Bennelong was the underperformer, so I'm switching that out with a low fee index fund and a little few extra satellites there as well.","start":753.15,"end":761.49,"sentiment":"neutral","sentiment_score":0.14944688385973373},{"text":"Now the last table for you is on page 20 slash 21.","start":764.225,"end":768.625,"sentiment":"neutral","sentiment_score":0.07207603628436725},{"text":"You'll see a pie chart there for your asset allocation.","start":768.625,"end":771.365,"sentiment":"neutral","sentiment_score":0.059141671657562254},{"text":"So long story short, 90 to a 100% of your funds should be in growth assets, like shares, property, and goals to be high growth.","start":773.345,"end":782.06,"sentiment":"neutral","sentiment_score":0.09002123758196831},{"text":"You're sitting at just shy of 84.","start":782.36,"end":784.94,"sentiment":"neutral","sentiment_score":0.04406644882900374}],"sentiment":"neutral","sentiment_score":0.09746218520479324,"num_words":78,"start":753.15,"end":784.94},{"sentences":[{"text":"Once we switch both portfolios around and do the rollover, you'll be up to about 93 and a half.","start":785.0,"end":790.06,"sentiment":"neutral","sentiment_score":0.04751148584641909},{"text":"It'll fluctuate between there over time.","start":790.12,"end":792.7,"sentiment":"neutral","sentiment_score":0.05400878811875979},{"text":"Cool.","start":794.36,"end":794.86,"sentiment":"neutral","sentiment_score":0.30216750502586365},{"text":"Just bear in mind too that given the way the world is at the moment, it's gonna be quite the roller coaster ride.","start":795.215,"end":800.495,"sentiment":"neutral","sentiment_score":-0.1001430121452912},{"text":"It's gonna be going up and down quite a bit.","start":800.495,"end":802.59503,"sentiment":"neutral","sentiment_score":-0.2218288615345955}],"sentiment":"neutral","sentiment_score":-0.05072270220114013,"num_words":59,"start":785.0,"end":802.59503},{"sentences":[{"text":"And, yeah, it could be going up 10%, one month down 20% the next few months and then back up 50.","start":802.815,"end":812.24,"sentiment":"neutral","sentiment_score":-0.1013412315930639},{"text":"It could be all over the shop.","start":812.24,"end":813.62,"sentiment":"neutral","sentiment_score":-0.13595862367323466},{"text":"We will aim for the long term averages like we normally do over five, seven, and ten years to try and hit those double digits.","start":817.36,"end":824.42,"sentiment":"neutral","sentiment_score":-0.04189056858420372},{"text":"And then when you're closer to retirement, we'll start to scale back the risk to protect it once it's built.","start":824.71497,"end":830.65497,"sentiment":"neutral","sentiment_score":-0.07314272522926331},{"text":"Awesome.","start":833.035,"end":833.51495,"sentiment":"positive","sentiment_score":0.7126044034957886}],"sentiment":"neutral","sentiment_score":-0.06591068303866966,"num_words":74,"start":802.815,"end":833.51495},{"sentences":[{"text":"So I know that was a bit of a flash info dump, but does it make sense what we're doing?","start":833.51495,"end":838.94,"sentiment":"neutral","sentiment_score":0.0613158006221056},{"text":"Cool.","start":840.68,"end":841.08,"sentiment":"neutral","sentiment_score":0.25328534841537476},{"text":"Any questions for me at this point?","start":841.08,"end":842.77997,"sentiment":"neutral","sentiment_score":0.1031000167131424},{"text":"Alrighty.","start":845.56,"end":846.06,"sentiment":"neutral","sentiment_score":0.11325003206729888},{"text":"After that, pretty well just lets you know why you should have a will in place after that, power of attorney as well.","start":846.44,"end":854.805,"sentiment":"neutral","sentiment_score":0.16879967114199762}],"sentiment":"neutral","sentiment_score":0.11917199896505246,"num_words":52,"start":833.51495,"end":854.805},{"sentences":[{"text":"I know you can get some basic kits from Australia Post to the government approved, and we do have, like, some lawyers that we do know that do some slight discounts to do them online if you would like us to send one of those through unless you've still got those will kits.","start":854.945,"end":870.32,"sentiment":"neutral","sentiment_score":0.1151450144232444},{"text":"Yeah.","start":873.74005,"end":874.14,"sentiment":"neutral","sentiment_score":0.05166076496243477},{"text":"Okay.","start":874.14,"end":874.64,"sentiment":"neutral","sentiment_score":0.05577155575156212},{"text":"Perfect.","start":876.14,"end":876.64,"sentiment":"positive","sentiment_score":0.5094414353370667},{"text":"We've reiterated the advice fees towards the back, and there is a consent form at the bottom.","start":877.5,"end":883.115,"sentiment":"neutral","sentiment_score":0.1798205200363608}],"sentiment":"neutral","sentiment_score":0.13392477206987877,"num_words":73,"start":854.945,"end":883.115},{"sentences":[{"text":"Second last page to consent.","start":883.415,"end":885.195,"sentiment":"neutral","sentiment_score":0.07291580885648727},{"text":"So with this whole package, there is a bit of a box that you can fill in some text if you wanna change any of the recommendations.","start":885.575,"end":893.115,"sentiment":"neutral","sentiment_score":0.11697031612749453},{"text":"If not, you basically just type in NA and then just sign end date.","start":893.735,"end":898.38,"sentiment":"neutral","sentiment_score":0.04430146302495684},{"text":"I will get the forms drafted up once we get this back signed.","start":900.12,"end":904.06,"sentiment":"neutral","sentiment_score":0.11651344368090996},{"text":"We have included you guys are still on the partner fee discount with us of 1.1 percent.","start":904.27997,"end":909.89996,"sentiment":"neutral","sentiment_score":0.15559685624697628}],"sentiment":"neutral","sentiment_score":0.10924762350163962,"num_words":76,"start":883.415,"end":909.89996},{"sentences":[{"text":"So I've included that updated consent form as well.","start":910.21497,"end":914.07495,"sentiment":"neutral","sentiment_score":0.29642751150661045},{"text":"Now have you used this system before?","start":915.89496,"end":917.915,"sentiment":"neutral","sentiment_score":0.11825007306677955},{"text":"Cool.","start":921.89496,"end":922.2,"sentiment":"neutral","sentiment_score":0.20126444101333615},{"text":"So the only reminder here is that when you go there's, like, a begin button that brings you to the spots to sign.","start":922.44,"end":928.3,"sentiment":"neutral","sentiment_score":0.0470953896317793},{"text":"What'll basically happen is you sign the authority to proceed here.","start":928.52,"end":932.28,"sentiment":"neutral","sentiment_score":0.04653818397359415}],"sentiment":"neutral","sentiment_score":0.10376424590746562,"num_words":51,"start":910.21497,"end":932.28},{"sentences":[{"text":"You'll then move over to the next document, which is the appendix, which is not signable.","start":932.28,"end":936.2,"sentiment":"neutral","sentiment_score":0.008818722679279745},{"text":"It's a skip and then the consent form to sign.","start":936.2,"end":939.905,"sentiment":"neutral","sentiment_score":0.03213585410267115},{"text":"After that, there's just four more documents to kind of skip through and then validate at the end.","start":940.04504,"end":945.34503,"sentiment":"neutral","sentiment_score":0.04534695359567801},{"text":"Yep.","start":962.45996,"end":962.95996,"sentiment":"neutral","sentiment_score":-0.0014769609551876783},{"text":"Thankfully, you don't have to scroll through the bottom of them all because, again, once you get that investment menu, 491 pages, you don't have to read all the investment options.","start":963.26,"end":973.195,"sentiment":"neutral","sentiment_score":0.21443943739418062}],"sentiment":"neutral","sentiment_score":0.1042743271958132,"num_words":76,"start":932.28,"end":973.195},{"sentences":[{"text":"Yeah.","start":977.895,"end":978.215,"sentiment":"neutral","sentiment_score":0.05386348068714142},{"text":"And it should do the old spinning circle for a moment while it loads, which can take a moment just because of the amount of pages.","start":978.215,"end":984.56995,"sentiment":"neutral","sentiment_score":0.018197208034017913},{"text":"That is gonna crash and not work?","start":988.94995,"end":990.81,"sentiment":"negative","sentiment_score":-0.6216769814491272},{"text":"Yep.","start":994.38995,"end":994.79,"sentiment":"neutral","sentiment_score":0.0550004243850708},{"text":"Yep.","start":994.79,"end":995.29,"sentiment":"neutral","sentiment_score":0.09084297716617584}],"sentiment":"neutral","sentiment_score":-0.10219179386169547,"num_words":36,"start":977.895,"end":995.29},{"sentences":[{"text":"From here, so I'll obviously put in for, like, a next annual review next year as well.","start":996.28503,"end":1002.125,"sentiment":"neutral","sentiment_score":0.14315705264315887},{"text":"Is there anything that you would like me to pencil in for this side of Christmas or in the New Year to discuss with you guys?","start":1002.125,"end":1014.54004,"sentiment":"neutral","sentiment_score":0.19843174431186456},{"text":"I'm glad.","start":1014.54004,"end":1015.2,"sentiment":"positive","sentiment_score":0.5424329340457916},{"text":"Cool.","start":1021.82,"end":1022.32,"sentiment":"positive","sentiment_score":0.5133642554283142},{"text":"Alrighty.","start":1022.38,"end":1022.88,"sentiment":"positive","sentiment_score":0.3728966116905213}],"sentiment":"neutral","sentiment_score":0.20348982940962973,"num_words":47,"start":996.28503,"end":1022.88},{"sentences":[{"text":"I'll just give this a little refresh and see if it pops through, and just let me know once that circle alleviates your stress there.","start":1023.655,"end":1030.555,"sentiment":"neutral","sentiment_score":0.1797209620475769},{"text":"Makes it more awkward.","start":1036.32,"end":1037.5399,"sentiment":"negative","sentiment_score":-0.3555036932229996},{"text":"You mean to be patient?","start":1037.76,"end":1038.64,"sentiment":"neutral","sentiment_score":-0.15932982563972473},{"text":"Should I reset the computer?","start":1038.64,"end":1039.86,"sentiment":"neutral","sentiment_score":-0.20541065633296968},{"text":"Just while that's doing that, I'm gonna quickly check ID on file because we may need some updated ID to certify.","start":1044.96,"end":1051.5399,"sentiment":"neutral","sentiment_score":-0.05709235565293403}],"sentiment":"neutral","sentiment_score":0.0008061233287056287,"num_words":60,"start":1023.655,"end":1051.5399},{"sentences":[{"text":"I'll just quickly see when yours was expiring.","start":1051.9451,"end":1055.0851,"sentiment":"neutral","sentiment_score":-0.024175135418772697},{"text":"Yeah.","start":1058.5851,"end":1058.905,"sentiment":"neutral","sentiment_score":-0.05056488513946533},{"text":"We've had some changes to, like, anti money laundering legislation where there's a few extra checks that we need to do and just make sure that it's always kind of valid on file.","start":1058.905,"end":1069.4299,"sentiment":"neutral","sentiment_score":0.00034599723012158364},{"text":"Let's have a look.","start":1071.73,"end":1072.71,"sentiment":"neutral","sentiment_score":0.31832723692059517},{"text":"Yep.","start":1078.13,"end":1078.45,"sentiment":"neutral","sentiment_score":0.11481261253356934}],"sentiment":"neutral","sentiment_score":0.024586670219581178,"num_words":47,"start":1051.9451,"end":1078.45},{"sentences":[{"text":"That's come through on our end.","start":1078.45,"end":1079.73,"sentiment":"neutral","sentiment_score":0.15802313387393951},{"text":"You should get a copy of those.","start":1079.73,"end":1081.285,"sentiment":"neutral","sentiment_score":0.1396349562065942},{"text":"And the last one I've got was September of last year, which I'm assuming has not expired.","start":1081.745,"end":1087.4249,"sentiment":"neutral","sentiment_score":0.018850666032556224},{"text":"Let's have a look.","start":1087.4249,"end":1088.225,"sentiment":"neutral","sentiment_score":0.03377075958997011},{"text":"See.","start":1088.225,"end":1088.385,"sentiment":"neutral","sentiment_score":0.015493995510041714}],"sentiment":"neutral","sentiment_score":0.06847491008894784,"num_words":35,"start":1078.45,"end":1088.385},{"sentences":[{"text":"Sorry.","start":1088.385,"end":1088.885,"sentiment":"neutral","sentiment_score":-0.014868076890707016},{"text":"Okay.","start":1093.505,"end":1093.905,"sentiment":"neutral","sentiment_score":0.04671326279640198},{"text":"I'm trying to make it out as best I can.","start":1093.905,"end":1095.505,"sentiment":"neutral","sentiment_score":0.11988442540168762},{"text":"It looks like February 2028 on the license system, kind of a bit blurry on the screenshot I can see, but it should be valid for another year and a half.","start":1095.505,"end":1105.04,"sentiment":"neutral","sentiment_score":0.09948382502601992},{"text":"Amazing, Daniel.","start":1107.18,"end":1108.0801,"sentiment":"positive","sentiment_score":0.5740665197372437}],"sentiment":"neutral","sentiment_score":0.12139602344897059,"num_words":45,"start":1088.385,"end":1108.0801},{"sentences":[{"text":"Cool.","start":1111.425,"end":1111.925,"sentiment":"neutral","sentiment_score":0.1722867786884308},{"text":"Mhmm.","start":1113.1051,"end":1113.6051,"sentiment":"neutral","sentiment_score":0.05951697006821632},{"text":"Alrighty.","start":1115.505,"end":1116.005,"sentiment":"neutral","sentiment_score":0.12812501192092896},{"text":"So that's all perfect.","start":1116.145,"end":1117.365,"sentiment":"neutral","sentiment_score":0.2496669441461563},{"text":"Amazing.","start":1118.545,"end":1119.045,"sentiment":"positive","sentiment_score":0.6155861616134644}],"sentiment":"neutral","sentiment_score":0.2467728373594582,"num_words":8,"start":1111.425,"end":1119.045},{"sentences":[{"text":"Is there anything else I can help you with before I let you go for your week?","start":1119.665,"end":1123.045,"sentiment":"neutral","sentiment_score":0.18317939866991603},{"text":"Yeah.","start":1131.51,"end":1131.83,"sentiment":"neutral","sentiment_score":0.087215855717659},{"text":"That's right.","start":1131.83,"end":1132.55,"sentiment":"neutral","sentiment_score":0.1291874684393406},{"text":"So if it's easy for you, we can kind of post one out with a forward on envelope unless you're comfortable kind of printing and scanning and emailing.","start":1132.55,"end":1139.9648,"sentiment":"neutral","sentiment_score":0.08379932226879257},{"text":"What would you prefer?","start":1139.9648,"end":1141.225,"sentiment":"neutral","sentiment_score":0.05082682706415653}],"sentiment":"neutral","sentiment_score":0.11556401734168713,"num_words":52,"start":1119.665,"end":1141.225},{"sentences":[{"text":"Alrighty.","start":1149.2849,"end":1149.7849,"sentiment":"neutral","sentiment_score":0.17887520790100098},{"text":"I'll let the team know to send it digitally.","start":1149.845,"end":1151.705,"sentiment":"neutral","sentiment_score":0.188105755382114},{"text":"And if you run into any trouble at all, just give us a call.","start":1151.79,"end":1154.8501,"sentiment":"neutral","sentiment_score":0.1307284182735852},{"text":"No worries.","start":1158.1901,"end":1158.75,"sentiment":"positive","sentiment_score":0.39417916536331177},{"text":"Thank you so much for your time, and have a fantastic week.","start":1158.75,"end":1161.9701,"sentiment":"positive","sentiment_score":0.6131268590688705}],"sentiment":"neutral","sentiment_score":0.311786986887455,"num_words":38,"start":1149.2849,"end":1161.9701},{"sentences":[{"text":"I will.","start":1164.8301,"end":1165.23,"sentiment":"positive","sentiment_score":0.4161141812801361},{"text":"I'm going straight for a sun walk right now.","start":1165.23,"end":1167.135,"sentiment":"positive","sentiment_score":0.44512086113293964},{"text":"Thank you.","start":1167.375,"end":1168.035,"sentiment":"positive","sentiment_score":0.6580095589160919},{"text":"No.","start":1172.335,"end":1172.8151,"sentiment":"neutral","sentiment_score":-0.2128343880176544},{"text":"Going till 07:00 tonight, so I'll be back.","start":1172.8151,"end":1175.475,"sentiment":"neutral","sentiment_score":-0.08293540868908167}],"sentiment":"neutral","sentiment_score":0.23990988968448204,"num_words":22,"start":1164.8301,"end":1175.475},{"sentences":[{"text":"Alright, Daniel.","start":1178.4349,"end":1179.2349,"sentiment":"neutral","sentiment_score":0.23242027685046196},{"text":"See you later.","start":1179.2349,"end":1180.0549,"sentiment":"positive","sentiment_score":0.3543691635131836},{"text":"No worries.","start":1181.075,"end":1181.715,"sentiment":"neutral","sentiment_score":0.3051525801420212},{"text":"Bye.","start":1181.715,"end":1182.215,"sentiment":"neutral","sentiment_score":0.30229517817497253}],"sentiment":"neutral","sentiment_score":0.3050685478374362,"num_words":8,"start":1178.4349,"end":1182.215}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thank you. How are you? Oh, it's raining as per usual. Yes. Wonderful. Yep. Yeah. That's all good. Mhmm. Yeah. All good. Oh, god. Is it Lexi, by any chance? Oh, god. Oh, perfect. No. She's pretty much just my go to easy prompts password thing that I use all the time, so it's easy. Yeah. Cool. Yeah. All good and extra. Yeah. It's just opening up. I just have to sign it. Easy. Beautiful. Yep. Got it. Yep. Got it. Perfect. Yep. Beautiful. Beautiful. God. Yep. Cool. Lovely. Yep. Got it. Yeah. Perfect. Yep. We haven't done them. They're still just sitting there. Terrible. Yes. Beautiful. Yep. All good. Yep. That's all good. Yep. Yep. Okay. All good. Yes. More of a long long term than a anytime soon kind of goal, but it is in there. Yeah. Definitely. Yep. Pretty much perfect. Yep. Beautiful. Yes. So I think it's, like, 45 now. But I'm also looking at increasing another day or half a day next year. So I don't know if that'll impact and how much that'll impact. Yep. Alright. Perfect. Easy as. No. Everything is pretty much exactly the same. Yes. Yes. Yeah. They're a bit painful. Perfect. Yep. Lovely. Yep. Yep. Beautiful. Yep. Got it. Yep. Beautiful. Okay. Perfect. Oh, yeah. That happened in time soon. Yes. Yeah. That's the yes. Okay. Perfect. Yep. Perfect. Yep. Yeah. I got them. Beautiful. K. Yep. Okay. Perfect. Okay. Cool. Yep. Yeah. Yeah. That's very good. Yep. Yes. So how do I do I just have to contact the rest and say move me to high grade? Is that how that works? Or that'll be great. Because I actually don't know what my password or anything is. So thank you. Perfect. Beautiful. Thank you. Yep. Yep. Alright. That is so clear. I just have no idea what her name it means. Yep. Okay. Perfect. Okay. Perfect. Yeah. Yep. Alright. Perfect. Yep. Yep. Got it. Yeah. Beautiful. Yep. Beautiful. Oh, yeah. I don't expect anything stable at all at the moment. Okay. Yeah. That's yeah. I don't expect anything stable at all. Yep. Yep. Beautiful. That's all. That makes sense. So yeah. Yeah. It all makes sense. Yep. No. Nothing. Pretty straightforward, which is good. Yes. I've still got the little kids literally just sitting in my study. I just have to open it and do it. Yep. Oh, perfect. Beautiful. I believe so. I wanna say yes. Perfect. K. I think I'm halfway through, I think. And the keywords here. Well, I have to go over the documents. No. Thank you. I'll just press validate. So, hopefully, that goes through and delete stuff up on me. Yeah. Yeah. That's all good. I hate the spinning circle. It makes me panic every time I see it. I'm like, yeah. Are you gonna crash again on me? Do you hate me? What's the go here? Yeah. Cool. Yep. No. I think everything's pretty straightforward. Like, the fact that you guys handle it all makes it so much easier for me. But yeah. And I've got no real questions. Like, I'm going to have 24, and I've seen everything. And, yeah, it looks good, essentially. It just said it's still loading. Please be patient. That stresses me at more. That's what it does. Yeah. It makes it even worse. Yeah. I'm like, do I do something? Like, why are you still loading? Yep. That's probably due for an update. Okay. Yeah. Cool. It's getting done. Of course. I went through. How are you? Yep. Got it. That's all good. Okay. Perfect. I'm just gonna double check it on my side as well to make sure. I think it is 20 28 from memory. Yes. 20 28. It's all good. Now oh, could you just send that high growth transfer form to me, and I will just fill that in and send it off, and that's done, isn't it? Yes. That's all good. Yeah. As long as I've got one that I can just sort of just sign and away it goes and yeah. That's I can forward it on any of the others. No problem. Will do. Perfect. Thank you so much for that. I really appreciate it. You too enjoy the warm weather better than what we have. Oh, beautiful. Just take the whole day off the whole afternoon. Oh, that's just painful. Okay. Alright. Thank you so much for that. Really appreciate it. Thank you. Bye.","confidence":0.9782715,"words":[{"word":"hello","start":0.71999997,"end":1.22,"confidence":0.95166016,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.030560653656721115},{"word":"good","start":6.0,"end":6.3199997,"confidence":0.8918457,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.43308568000793457},{"word":"thank","start":6.3199997,"end":6.56,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6419801115989685},{"word":"you","start":6.56,"end":6.64,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4671701788902282},{"word":"how","start":6.64,"end":6.7999997,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.31175366044044495},{"word":"are","start":6.7999997,"end":6.96,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2520539164543152},{"word":"you","start":6.96,"end":7.46,"confidence":1.0,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.3582589030265808},{"word":"oh","start":12.719999,"end":12.88,"confidence":0.8564453,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.04713986814022064},{"word":"it's","start":12.88,"end":13.2,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.017482973635196686},{"word":"raining","start":13.2,"end":13.7,"confidence":0.99902344,"punctuated_word":"raining","sentiment":"neutral","sentiment_score":0.01628413237631321},{"word":"as","start":14.415,"end":14.495001,"confidence":0.9716797,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02190745621919632},{"word":"per","start":14.495001,"end":14.735001,"confidence":0.9921875,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.07637003064155579},{"word":"usual","start":14.735001,"end":15.235001,"confidence":0.9970703,"punctuated_word":"usual.","sentiment":"neutral","sentiment_score":0.05321453511714935},{"word":"yes","start":17.855,"end":18.095001,"confidence":0.7108154,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.3187762498855591},{"word":"wonderful","start":18.095001,"end":18.595001,"confidence":0.9946289,"punctuated_word":"Wonderful.","sentiment":"positive","sentiment_score":0.5754889249801636},{"word":"yep","start":24.095001,"end":24.595001,"confidence":0.76708984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05309048295021057},{"word":"yeah","start":25.695,"end":25.935001,"confidence":0.97924805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1752488911151886},{"word":"that's","start":25.935001,"end":26.175,"confidence":0.9604492,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3886178433895111},{"word":"all","start":26.175,"end":26.415,"confidence":0.99609375,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4387817978858948},{"word":"good","start":26.415,"end":26.915,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3919850885868073},{"word":"mhmm","start":31.07,"end":31.57,"confidence":0.9937744,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0948515087366104},{"word":"yeah","start":33.149998,"end":33.39,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13676872849464417},{"word":"all","start":33.39,"end":33.629997,"confidence":0.98095703,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.2264319360256195},{"word":"good","start":33.629997,"end":34.129997,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.14798986911773682},{"word":"oh","start":37.71,"end":37.87,"confidence":0.7023926,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.02763202413916588},{"word":"god","start":37.87,"end":38.37,"confidence":0.91015625,"punctuated_word":"god.","sentiment":"neutral","sentiment_score":0.02327856607735157},{"word":"is","start":39.07,"end":39.23,"confidence":0.7763672,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.017341170459985733},{"word":"it","start":39.23,"end":39.47,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03186742216348648},{"word":"lexi","start":39.47,"end":39.949997,"confidence":0.70654297,"punctuated_word":"Lexi,","sentiment":"neutral","sentiment_score":0.028759371489286423},{"word":"by","start":39.949997,"end":40.11,"confidence":0.9970703,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.03389941528439522},{"word":"any","start":40.11,"end":40.35,"confidence":0.65625,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.039948202669620514},{"word":"chance","start":40.35,"end":40.85,"confidence":0.9995117,"punctuated_word":"chance?","sentiment":"neutral","sentiment_score":0.0311255045235157},{"word":"oh","start":42.35,"end":42.59,"confidence":0.70825195,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.03248251974582672},{"word":"god","start":42.59,"end":43.09,"confidence":0.7211914,"punctuated_word":"god.","sentiment":"neutral","sentiment_score":0.03258530795574188},{"word":"oh","start":45.015,"end":45.515,"confidence":0.7434082,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.033818960189819336},{"word":"perfect","start":48.375,"end":48.875,"confidence":0.98217773,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.4939996600151062},{"word":"no","start":54.454998,"end":54.775,"confidence":0.94189453,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.00915852189064026},{"word":"she's","start":54.775,"end":55.175,"confidence":0.98706055,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":0.007849954068660736},{"word":"pretty","start":55.175,"end":55.415,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.002354536205530166},{"word":"much","start":55.415,"end":55.735,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.018105562776327133},{"word":"just","start":55.735,"end":56.055,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.00025191530585289},{"word":"my","start":56.055,"end":56.535,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.04328320175409317},{"word":"go","start":56.535,"end":56.695,"confidence":0.9580078,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0505368635058403},{"word":"to","start":56.695,"end":57.175,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.034230656921863556},{"word":"easy","start":57.175,"end":57.655,"confidence":0.9819336,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":0.045108094811439514},{"word":"prompts","start":57.655,"end":58.155,"confidence":0.63134766,"punctuated_word":"prompts","sentiment":"neutral","sentiment_score":0.016355106607079506},{"word":"password","start":58.535,"end":59.035,"confidence":0.66308594,"punctuated_word":"password","sentiment":"neutral","sentiment_score":-0.0057216063141822815},{"word":"thing","start":59.254997,"end":59.754997,"confidence":0.99609375,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.009015008807182312},{"word":"that","start":60.56,"end":60.8,"confidence":0.98535156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.014016546308994291},{"word":"i","start":60.8,"end":60.88,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.009249802678823473},{"word":"use","start":60.88,"end":61.12,"confidence":0.9921875,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.03242701292037964},{"word":"all","start":61.12,"end":61.36,"confidence":0.96972656,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.03542758896946907},{"word":"the","start":61.36,"end":61.44,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024318542331457135},{"word":"time","start":61.44,"end":61.68,"confidence":0.6928711,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.02255958318710327},{"word":"so","start":61.68,"end":61.84,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.046476155519485474},{"word":"it's","start":61.84,"end":62.0,"confidence":0.84814453,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0600312277674675},{"word":"easy","start":62.0,"end":62.5,"confidence":0.99853516,"punctuated_word":"easy.","sentiment":"neutral","sentiment_score":0.06699105352163315},{"word":"yeah","start":64.24,"end":64.64,"confidence":0.8527832,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07677291333675385},{"word":"cool","start":64.64,"end":65.14,"confidence":0.9111328,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.16058731079101562},{"word":"yeah","start":69.36,"end":69.68,"confidence":0.9367676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08404482901096344},{"word":"all","start":69.68,"end":69.92,"confidence":0.9658203,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.2123433947563171},{"word":"good","start":69.92,"end":70.08,"confidence":0.9980469,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.24334916472435},{"word":"and","start":70.08,"end":70.24,"confidence":0.515625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19925422966480255},{"word":"extra","start":70.24,"end":70.74,"confidence":0.61157227,"punctuated_word":"extra.","sentiment":"neutral","sentiment_score":0.21611520648002625},{"word":"yeah","start":78.155,"end":78.555,"confidence":0.9584961,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03680301830172539},{"word":"it's","start":78.555,"end":79.055,"confidence":0.99609375,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0414111502468586},{"word":"just","start":79.674995,"end":80.174995,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03930742293596268},{"word":"opening","start":80.634995,"end":80.954994,"confidence":0.9482422,"punctuated_word":"opening","sentiment":"neutral","sentiment_score":0.031803201884031296},{"word":"up","start":80.954994,"end":81.454994,"confidence":0.91967773,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.03969103842973709},{"word":"i","start":82.155,"end":82.314995,"confidence":0.48486328,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06394725292921066},{"word":"just","start":82.314995,"end":82.475,"confidence":0.81347656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0713825672864914},{"word":"have","start":82.475,"end":82.634995,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08097917586565018},{"word":"to","start":82.634995,"end":82.715,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0907224342226982},{"word":"sign","start":82.715,"end":82.954994,"confidence":0.98828125,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.06846654415130615},{"word":"it","start":82.954994,"end":83.115,"confidence":0.8503418,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.14328983426094055},{"word":"easy","start":83.115,"end":83.615,"confidence":0.9980469,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.12838703393936157},{"word":"beautiful","start":89.009995,"end":89.509995,"confidence":0.826416,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.2423898279666901},{"word":"yep","start":89.57,"end":89.81,"confidence":0.7661133,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10189300775527954},{"word":"got","start":89.81,"end":90.049995,"confidence":0.9941406,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.13433028757572174},{"word":"it","start":90.049995,"end":90.549995,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.12290794402360916},{"word":"yep","start":94.53,"end":94.85,"confidence":0.96850586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09355947375297546},{"word":"got","start":94.85,"end":95.09,"confidence":0.9980469,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.1644936054944992},{"word":"it","start":95.09,"end":95.59,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1957484781742096},{"word":"perfect","start":107.645,"end":108.145,"confidence":0.8510742,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.09901170432567596},{"word":"yep","start":111.805,"end":112.205,"confidence":0.9555664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1876695603132248},{"word":"beautiful","start":112.205,"end":112.705,"confidence":0.9970703,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5182345509529114},{"word":"beautiful","start":121.94,"end":122.44,"confidence":0.7524414,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.08594371378421783},{"word":"god","start":126.98,"end":127.46,"confidence":0.6660156,"punctuated_word":"God.","sentiment":"neutral","sentiment_score":0.16355979442596436},{"word":"yep","start":127.46,"end":127.78,"confidence":0.8869629,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17778119444847107},{"word":"cool","start":127.78,"end":128.28,"confidence":0.99316406,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.3616997003555298},{"word":"lovely","start":133.655,"end":134.155,"confidence":0.8796387,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.625290036201477},{"word":"yep","start":148.35,"end":148.85,"confidence":0.9753418,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1087181195616722},{"word":"got","start":148.91,"end":149.15,"confidence":0.6040039,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.1411626935005188},{"word":"it","start":149.15,"end":149.65,"confidence":0.8937988,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1089276373386383},{"word":"yeah","start":165.735,"end":166.235,"confidence":0.842041,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11957520246505736},{"word":"perfect","start":169.655,"end":170.155,"confidence":0.9941406,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.28258949518203735},{"word":"yep","start":181.98,"end":182.48,"confidence":0.94799805,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.035368673503398895},{"word":"we","start":194.005,"end":194.16501,"confidence":0.50146484,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.024089409038424492},{"word":"haven't","start":194.16501,"end":194.405,"confidence":0.99658203,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.05942583084106445},{"word":"done","start":194.405,"end":194.645,"confidence":0.9951172,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.07082577049732208},{"word":"them","start":194.645,"end":194.80501,"confidence":0.9338379,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":-0.06868331134319305},{"word":"they're","start":194.80501,"end":195.045,"confidence":0.9614258,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":-0.05373651534318924},{"word":"still","start":195.045,"end":195.285,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.06099093705415726},{"word":"just","start":195.285,"end":195.525,"confidence":0.9838867,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03754773736000061},{"word":"sitting","start":195.525,"end":195.845,"confidence":0.8984375,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.03597676008939743},{"word":"there","start":195.845,"end":196.345,"confidence":0.9621582,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.03659090772271156},{"word":"terrible","start":198.645,"end":199.145,"confidence":0.87890625,"punctuated_word":"Terrible.","sentiment":"neutral","sentiment_score":0.1980407238006592},{"word":"yes","start":201.365,"end":201.685,"confidence":0.9909668,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10828012228012084},{"word":"beautiful","start":201.685,"end":202.185,"confidence":0.99609375,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.23548951745033264},{"word":"yep","start":217.19,"end":217.69,"confidence":0.9736328,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11936824023723602},{"word":"all","start":217.75,"end":217.99,"confidence":0.94628906,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.3905441164970398},{"word":"good","start":217.99,"end":218.445,"confidence":0.9980469,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.31922513246536255},{"word":"yep","start":233.43999,"end":233.68,"confidence":0.80493164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12171491980552672},{"word":"that's","start":233.68,"end":234.0,"confidence":0.9645996,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.28213411569595337},{"word":"all","start":234.0,"end":234.23999,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2545697093009949},{"word":"good","start":234.23999,"end":234.73999,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5020405054092407},{"word":"yep","start":238.31999,"end":238.81999,"confidence":0.83691406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.015411177650094032},{"word":"yep","start":240.31999,"end":240.64,"confidence":0.74902344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02508198842406273},{"word":"okay","start":240.64,"end":241.04,"confidence":0.9926758,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.16484665870666504},{"word":"all","start":241.04,"end":241.28,"confidence":0.8959961,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4724956750869751},{"word":"good","start":241.28,"end":241.78,"confidence":0.9975586,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.45307445526123047},{"word":"yes","start":250.835,"end":251.235,"confidence":0.8605957,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.02701548859477043},{"word":"more","start":251.235,"end":251.475,"confidence":0.8803711,"punctuated_word":"More","sentiment":"neutral","sentiment_score":0.00672103650867939},{"word":"of","start":251.475,"end":251.555,"confidence":0.9165039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.018623001873493195},{"word":"a","start":251.555,"end":251.635,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024684179574251175},{"word":"long","start":251.635,"end":251.875,"confidence":0.99902344,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.02871011383831501},{"word":"long","start":251.875,"end":252.195,"confidence":0.5566406,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.02444271184504032},{"word":"term","start":252.195,"end":252.695,"confidence":0.9941406,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.0417981892824173},{"word":"than","start":252.79501,"end":253.29501,"confidence":0.6870117,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.03030708059668541},{"word":"a","start":253.395,"end":253.635,"confidence":0.8774414,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05582888051867485},{"word":"anytime","start":253.635,"end":254.135,"confidence":0.890625,"punctuated_word":"anytime","sentiment":"neutral","sentiment_score":0.08921290934085846},{"word":"soon","start":254.275,"end":254.775,"confidence":0.5551758,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":0.048432447016239166},{"word":"kind","start":255.795,"end":256.115,"confidence":0.7138672,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07519534230232239},{"word":"of","start":256.115,"end":256.195,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07006432116031647},{"word":"goal","start":256.195,"end":256.435,"confidence":0.90063477,"punctuated_word":"goal,","sentiment":"neutral","sentiment_score":0.04446222633123398},{"word":"but","start":256.435,"end":256.515,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.10154668986797331},{"word":"it","start":256.515,"end":256.675,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16076062619686127},{"word":"is","start":256.675,"end":256.835,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.24142758548259735},{"word":"in","start":256.835,"end":256.995,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2856714129447937},{"word":"there","start":256.995,"end":257.495,"confidence":0.9951172,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.28088945150375366},{"word":"yeah","start":266.81,"end":267.13,"confidence":0.8051758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07934516668319702},{"word":"definitely","start":267.13,"end":267.63,"confidence":0.9970703,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.06588626652956009},{"word":"yep","start":269.45,"end":269.93002,"confidence":0.78808594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23573094606399536},{"word":"pretty","start":269.93002,"end":270.17,"confidence":0.99902344,"punctuated_word":"Pretty","sentiment":"positive","sentiment_score":0.5803629755973816},{"word":"much","start":270.17,"end":270.41,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5407804250717163},{"word":"perfect","start":270.41,"end":270.91,"confidence":0.8605957,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.5773561596870422},{"word":"yep","start":282.085,"end":282.405,"confidence":0.8515625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07911297678947449},{"word":"beautiful","start":282.405,"end":282.905,"confidence":0.9980469,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.3243153691291809},{"word":"yes","start":296.12,"end":296.43997,"confidence":0.75878906,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03094327822327614},{"word":"so","start":296.43997,"end":296.59998,"confidence":0.93408203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02495051734149456},{"word":"i","start":296.59998,"end":296.68,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02906646952033043},{"word":"think","start":296.68,"end":296.91998,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.032199837267398834},{"word":"it's","start":296.91998,"end":297.24,"confidence":0.93391925,"punctuated_word":"it's,","sentiment":"neutral","sentiment_score":0.044192053377628326},{"word":"like","start":297.24,"end":297.56,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06439561396837234},{"word":"45","start":297.56,"end":298.53998,"confidence":1.0,"punctuated_word":"45","sentiment":"neutral","sentiment_score":0.06847313046455383},{"word":"now","start":298.68,"end":299.18,"confidence":0.83618164,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.05639243125915527},{"word":"but","start":301.795,"end":302.035,"confidence":0.9770508,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05451563745737076},{"word":"i'm","start":302.035,"end":302.195,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.045834705233573914},{"word":"also","start":302.195,"end":302.695,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06251303851604462},{"word":"looking","start":303.23502,"end":303.635,"confidence":0.9892578,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.0660162940621376},{"word":"at","start":303.635,"end":303.875,"confidence":0.97998047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07713925838470459},{"word":"increasing","start":303.875,"end":304.375,"confidence":0.99902344,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.060210682451725006},{"word":"another","start":304.755,"end":305.075,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.044436097145080566},{"word":"day","start":305.075,"end":305.475,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.07802696526050568},{"word":"or","start":305.475,"end":305.715,"confidence":0.96240234,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03753146529197693},{"word":"half","start":305.715,"end":305.875,"confidence":0.9970703,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.031972236931324005},{"word":"a","start":305.875,"end":306.035,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02376997098326683},{"word":"day","start":306.035,"end":306.275,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.044556185603141785},{"word":"next","start":306.275,"end":306.515,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.008920043706893921},{"word":"year","start":306.515,"end":306.995,"confidence":0.7702637,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.027829311788082123},{"word":"so","start":306.995,"end":307.155,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03588119521737099},{"word":"i","start":307.155,"end":307.23502,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08324920386075974},{"word":"don't","start":307.23502,"end":307.39502,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06314266473054886},{"word":"know","start":307.39502,"end":307.55502,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.08176480233669281},{"word":"if","start":307.55502,"end":307.635,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07583701610565186},{"word":"that'll","start":307.635,"end":307.95502,"confidence":0.9321289,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":-0.040389105677604675},{"word":"impact","start":307.95502,"end":308.45502,"confidence":0.98291016,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":-0.019869975745677948},{"word":"and","start":310.035,"end":310.195,"confidence":0.88720703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.033570870757102966},{"word":"how","start":310.195,"end":310.435,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.018638841807842255},{"word":"much","start":310.435,"end":310.935,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.026133067905902863},{"word":"that'll","start":311.475,"end":311.795,"confidence":0.96655273,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":-0.011028436943888664},{"word":"impact","start":311.795,"end":312.295,"confidence":0.9941406,"punctuated_word":"impact.","sentiment":"neutral","sentiment_score":-0.0250997431576252},{"word":"yep","start":321.03,"end":321.53,"confidence":0.9008789,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08686518669128418},{"word":"alright","start":330.69498,"end":330.935,"confidence":0.85180664,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.16734729707241058},{"word":"perfect","start":330.935,"end":331.41498,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.34054815769195557},{"word":"easy","start":331.41498,"end":331.815,"confidence":0.9873047,"punctuated_word":"Easy","sentiment":"neutral","sentiment_score":0.2449277639389038},{"word":"as","start":331.815,"end":332.315,"confidence":0.9370117,"punctuated_word":"as.","sentiment":"neutral","sentiment_score":0.31234294176101685},{"word":"no","start":347.07,"end":347.38998,"confidence":0.954834,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10417619347572328},{"word":"everything","start":347.38998,"end":347.79,"confidence":0.99902344,"punctuated_word":"Everything","sentiment":"neutral","sentiment_score":-0.06701809167861938},{"word":"is","start":347.79,"end":348.19,"confidence":0.7729492,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07272575795650482},{"word":"pretty","start":348.19,"end":348.43,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.0624954029917717},{"word":"much","start":348.43,"end":348.83,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.0357852429151535},{"word":"exactly","start":348.83,"end":349.15,"confidence":0.9980469,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":-0.07340729236602783},{"word":"the","start":349.15,"end":349.38998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08028110861778259},{"word":"same","start":349.38998,"end":349.88998,"confidence":1.0,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.01499193161725998},{"word":"yes","start":356.03,"end":356.53,"confidence":0.9904785,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.24516959488391876},{"word":"yes","start":364.125,"end":364.625,"confidence":0.7416992,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.033414844423532486},{"word":"yeah","start":375.83,"end":376.22998,"confidence":0.9194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.14306870102882385},{"word":"they're","start":376.22998,"end":376.47,"confidence":0.60827637,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":-0.23833483457565308},{"word":"a","start":376.47,"end":376.55,"confidence":0.8959961,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2814844250679016},{"word":"bit","start":376.55,"end":376.71,"confidence":0.97802734,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.35156726837158203},{"word":"painful","start":376.71,"end":377.21,"confidence":0.9995117,"punctuated_word":"painful.","sentiment":"negative","sentiment_score":-0.350959837436676},{"word":"perfect","start":382.55,"end":383.05,"confidence":0.9970703,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.44403767585754395},{"word":"yep","start":386.94498,"end":387.345,"confidence":0.93969727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1669710874557495},{"word":"lovely","start":387.345,"end":387.845,"confidence":0.9970703,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.3801111876964569},{"word":"yep","start":396.38498,"end":396.88498,"confidence":0.9724121,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.030959229916334152},{"word":"yep","start":398.54498,"end":399.04498,"confidence":0.9387207,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11026977002620696},{"word":"beautiful","start":399.185,"end":399.685,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.348183274269104},{"word":"yep","start":408.13998,"end":408.62,"confidence":0.9980469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07149619609117508},{"word":"got","start":408.62,"end":408.78,"confidence":0.99316406,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.11199522763490675},{"word":"it","start":408.78,"end":409.28,"confidence":0.99902344,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.06694097071886063},{"word":"yep","start":424.315,"end":424.635,"confidence":0.8149414,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19359265267848969},{"word":"beautiful","start":424.635,"end":425.135,"confidence":0.99853516,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.35657620429992676},{"word":"okay","start":443.315,"end":443.635,"confidence":0.81469727,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.024842236191034317},{"word":"perfect","start":443.635,"end":444.135,"confidence":0.99560547,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.10220716893672945},{"word":"oh","start":451.075,"end":451.235,"confidence":0.97216797,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.14744031429290771},{"word":"yeah","start":451.235,"end":451.475,"confidence":0.98095703,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.15089577436447144},{"word":"that","start":451.475,"end":451.715,"confidence":0.6738281,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.19699759781360623},{"word":"happened","start":451.715,"end":451.955,"confidence":0.48999023,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":-0.25901904702186584},{"word":"in","start":451.955,"end":452.115,"confidence":0.50878906,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2697106599807739},{"word":"time","start":452.115,"end":452.355,"confidence":0.34277344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.23416101932525635},{"word":"soon","start":452.355,"end":452.855,"confidence":0.84033203,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":-0.22303104400634768},{"word":"yes","start":461.46,"end":461.96,"confidence":0.7036133,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.02154223620891571},{"word":"yeah","start":471.185,"end":471.505,"confidence":0.7753906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00010210089385509492},{"word":"that's","start":471.505,"end":471.74503,"confidence":0.7531738,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0004361694154795259},{"word":"the","start":471.74503,"end":472.24503,"confidence":0.2310791,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007353596389293671},{"word":"yes","start":480.30502,"end":480.80502,"confidence":0.89941406,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.09289653599262238},{"word":"okay","start":488.22998,"end":488.62997,"confidence":0.9313965,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.35521891713142395},{"word":"perfect","start":488.62997,"end":489.12997,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5818724632263184},{"word":"yep","start":495.34998,"end":495.84998,"confidence":0.9746094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.009675348177552223},{"word":"perfect","start":508.815,"end":509.315,"confidence":0.67822266,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.521610677242279},{"word":"yep","start":518.3,"end":518.8,"confidence":0.9406738,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06995826959609985},{"word":"yeah","start":519.1,"end":519.42,"confidence":0.88793945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10117898881435394},{"word":"i","start":519.42,"end":519.5,"confidence":0.6870117,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12376496195793152},{"word":"got","start":519.5,"end":519.74,"confidence":0.92822266,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.12445610016584396},{"word":"them","start":519.74,"end":520.24,"confidence":0.7746582,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.10822755843400957},{"word":"beautiful","start":531.625,"end":532.125,"confidence":0.7312012,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.44441843032836914},{"word":"k","start":534.505,"end":535.005,"confidence":0.7071533,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.11529071629047394},{"word":"yep","start":556.665,"end":557.165,"confidence":0.7249756,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.00018273542809765783},{"word":"okay","start":577.12,"end":577.52,"confidence":0.98217773,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.21946147084236145},{"word":"perfect","start":577.52,"end":578.02,"confidence":0.97143555,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.561290979385376},{"word":"okay","start":582.765,"end":583.245,"confidence":0.9951172,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.20686691999435425},{"word":"cool","start":583.245,"end":583.745,"confidence":0.99316406,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.2725587487220764},{"word":"yep","start":594.47,"end":594.97,"confidence":0.7780762,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21407751739025116},{"word":"yeah","start":600.63,"end":601.02997,"confidence":0.6702881,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19329670071601868},{"word":"yeah","start":601.02997,"end":601.35,"confidence":0.7895508,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.26881295442581177},{"word":"that's","start":601.35,"end":601.51,"confidence":0.810791,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.525793731212616},{"word":"very","start":601.51,"end":601.75,"confidence":0.5498047,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5737972259521484},{"word":"good","start":601.75,"end":602.25,"confidence":0.9970703,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1283581554889679},{"word":"yep","start":620.58997,"end":621.08997,"confidence":0.8544922,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14717818796634674},{"word":"yes","start":637.15497,"end":637.65497,"confidence":0.7241211,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2227916419506073},{"word":"so","start":640.995,"end":641.15497,"confidence":0.96777344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1071879267692566},{"word":"how","start":641.15497,"end":641.315,"confidence":0.99316406,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.08570653945207596},{"word":"do","start":641.315,"end":641.475,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10348600149154664},{"word":"i","start":641.475,"end":641.555,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13734453916549683},{"word":"do","start":641.63495,"end":641.795,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11129038035869598},{"word":"i","start":641.795,"end":641.875,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12856154143810272},{"word":"just","start":641.875,"end":642.115,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.128130704164505},{"word":"have","start":642.115,"end":642.27496,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1035560891032219},{"word":"to","start":642.27496,"end":642.51495,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09833411872386932},{"word":"contact","start":642.51495,"end":642.915,"confidence":0.99609375,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":0.07552368938922882},{"word":"the","start":642.915,"end":643.07495,"confidence":0.65283203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07017737627029419},{"word":"rest","start":643.07495,"end":643.315,"confidence":0.9873047,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.05375239625573158},{"word":"and","start":643.315,"end":643.475,"confidence":0.96777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07505093514919281},{"word":"say","start":643.475,"end":643.95496,"confidence":0.984375,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.0910087823867798},{"word":"move","start":643.95496,"end":644.19495,"confidence":0.79296875,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.07537795603275299},{"word":"me","start":644.19495,"end":644.435,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.058578651398420334},{"word":"to","start":644.435,"end":644.675,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07778294384479523},{"word":"high","start":644.675,"end":644.915,"confidence":0.3371582,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.09873858094215392},{"word":"grade","start":644.915,"end":645.235,"confidence":0.8015137,"punctuated_word":"grade?","sentiment":"neutral","sentiment_score":0.09886834025382996},{"word":"is","start":645.235,"end":645.39496,"confidence":0.984375,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.0936814695596695},{"word":"that","start":645.39496,"end":645.555,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13032783567905426},{"word":"how","start":645.555,"end":645.71497,"confidence":0.9892578,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.08255646377801895},{"word":"that","start":645.71497,"end":645.95496,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13616082072257996},{"word":"works","start":645.95496,"end":646.27496,"confidence":0.907959,"punctuated_word":"works?","sentiment":"neutral","sentiment_score":0.06925776600837708},{"word":"or","start":646.27496,"end":646.65,"confidence":0.94628906,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.05826077610254288},{"word":"that'll","start":657.21,"end":657.53,"confidence":0.85668945,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":-0.03238559141755104},{"word":"be","start":657.53,"end":657.77,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.004663944244384766},{"word":"great","start":657.77,"end":658.27,"confidence":0.75341797,"punctuated_word":"great.","sentiment":"neutral","sentiment_score":0.1644124686717987},{"word":"because","start":659.61005,"end":660.01,"confidence":0.97314453,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.07742811739444733},{"word":"i","start":660.01,"end":660.09,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.011587858200073242},{"word":"actually","start":660.09,"end":660.49005,"confidence":0.98828125,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.003630012273788452},{"word":"don't","start":660.49005,"end":660.65,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.040944747626781464},{"word":"know","start":660.65,"end":660.89,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.0868930071592331},{"word":"what","start":660.89,"end":661.13,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05907268449664116},{"word":"my","start":661.13,"end":661.63,"confidence":0.9951172,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.05655355378985405},{"word":"password","start":662.00494,"end":662.50494,"confidence":0.43798828,"punctuated_word":"password","sentiment":"neutral","sentiment_score":-0.04462204873561859},{"word":"or","start":662.76495,"end":663.26495,"confidence":0.8647461,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07628774642944336},{"word":"anything","start":663.52496,"end":664.02496,"confidence":0.9902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.05793747678399086},{"word":"is","start":664.08496,"end":664.58496,"confidence":0.8515625,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.03597055375576019},{"word":"so","start":665.125,"end":665.625,"confidence":0.7495117,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06331971287727356},{"word":"thank","start":670.40497,"end":670.725,"confidence":0.96435547,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.3807995319366455},{"word":"you","start":670.725,"end":671.225,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.30662256479263306},{"word":"perfect","start":678.31,"end":678.71,"confidence":0.9313965,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6744365692138672},{"word":"beautiful","start":678.71,"end":679.19,"confidence":0.9621582,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7235366106033325},{"word":"thank","start":679.19,"end":679.43,"confidence":0.99609375,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6810734868049622},{"word":"you","start":679.43,"end":679.93,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6379901170730591},{"word":"yep","start":690.79004,"end":691.29004,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03864714875817299},{"word":"yep","start":691.43,"end":691.845,"confidence":0.99853516,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.031755443662405014},{"word":"alright","start":695.845,"end":696.245,"confidence":0.84472656,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.025577381253242493},{"word":"that","start":696.245,"end":696.40497,"confidence":0.6176758,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.04355035349726677},{"word":"is","start":696.40497,"end":696.56494,"confidence":0.6557617,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05086050927639008},{"word":"so","start":696.56494,"end":696.725,"confidence":0.9604492,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03433217480778694},{"word":"clear","start":696.725,"end":696.96497,"confidence":0.96118164,"punctuated_word":"clear.","sentiment":"neutral","sentiment_score":0.031155215576291084},{"word":"i","start":696.96497,"end":697.045,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11553142964839937},{"word":"just","start":697.045,"end":697.285,"confidence":0.98095703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0867026150226593},{"word":"have","start":697.285,"end":697.52496,"confidence":0.97314453,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1082058846950531},{"word":"no","start":697.52496,"end":697.685,"confidence":0.9980469,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.10570300370454788},{"word":"idea","start":697.685,"end":697.925,"confidence":0.99902344,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":-0.09152909368276596},{"word":"what","start":697.925,"end":698.08496,"confidence":0.984375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06830660253763199},{"word":"her","start":698.08496,"end":698.245,"confidence":0.35375977,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.0843476802110672},{"word":"name","start":698.245,"end":698.40497,"confidence":0.9980469,"punctuated_word":"name","sentiment":"neutral","sentiment_score":-0.10998857021331788},{"word":"it","start":698.40497,"end":698.485,"confidence":0.7421875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.046997327357530594},{"word":"means","start":698.485,"end":698.985,"confidence":0.7233887,"punctuated_word":"means.","sentiment":"neutral","sentiment_score":-0.03019794262945652},{"word":"yep","start":705.79004,"end":706.29004,"confidence":0.8383789,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1300625205039978},{"word":"okay","start":715.23004,"end":715.63,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.25441569089889526},{"word":"perfect","start":715.63,"end":716.13,"confidence":0.9980469,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.590894341468811},{"word":"okay","start":737.62,"end":737.94,"confidence":0.7548828,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05788606405258179},{"word":"perfect","start":737.94,"end":738.44,"confidence":0.99316406,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.35210657119750977},{"word":"yeah","start":738.5,"end":739.0,"confidence":0.8703613,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2229974865913391},{"word":"yep","start":758.195,"end":758.695,"confidence":0.8833008,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15035057067871094},{"word":"alright","start":761.88,"end":762.12,"confidence":0.970459,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.20872589945793152},{"word":"perfect","start":762.12,"end":762.62,"confidence":0.9975586,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3509558141231537},{"word":"yep","start":769.56,"end":770.06,"confidence":0.9460449,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05922631546854973},{"word":"yep","start":771.95996,"end":772.36,"confidence":0.88793945,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08965006470680237},{"word":"got","start":772.36,"end":772.6,"confidence":0.8769531,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.1176084578037262},{"word":"it","start":772.6,"end":773.1,"confidence":0.9543457,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.0880388468503952},{"word":"yeah","start":781.365,"end":781.865,"confidence":0.92749023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03648186475038528},{"word":"beautiful","start":790.44,"end":790.94,"confidence":0.7807617,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.09854871034622192},{"word":"yep","start":793.16003,"end":793.56,"confidence":0.9128418,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17854265868663788},{"word":"beautiful","start":793.56,"end":794.06,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.43840521574020386},{"word":"oh","start":803.16504,"end":803.325,"confidence":0.89746094,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.1513838171958923},{"word":"yeah","start":803.325,"end":803.48505,"confidence":0.9902344,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.17257902026176453},{"word":"i","start":803.48505,"end":803.565,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3237365782260895},{"word":"don't","start":803.565,"end":803.805,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.30527549982070923},{"word":"expect","start":803.805,"end":804.28503,"confidence":0.99902344,"punctuated_word":"expect","sentiment":"negative","sentiment_score":-0.3576412796974182},{"word":"anything","start":804.28503,"end":804.60504,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"negative","sentiment_score":-0.35404837131500244},{"word":"stable","start":804.60504,"end":804.92505,"confidence":1.0,"punctuated_word":"stable","sentiment":"negative","sentiment_score":-0.3824465870857239},{"word":"at","start":804.92505,"end":805.085,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.3271086812019348},{"word":"all","start":805.085,"end":805.245,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.2840843200683594},{"word":"at","start":805.245,"end":805.325,"confidence":0.9838867,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.3315124213695526},{"word":"the","start":805.325,"end":805.48505,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.32404613494873047},{"word":"moment","start":805.48505,"end":805.98505,"confidence":0.9921875,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.29437077045440674},{"word":"okay","start":806.205,"end":806.705,"confidence":0.84643555,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.1159726083278656},{"word":"yeah","start":813.885,"end":814.04504,"confidence":0.9526367,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09289303421974182},{"word":"that's","start":814.04504,"end":814.205,"confidence":0.9633789,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.13362038135528564},{"word":"yeah","start":814.28503,"end":814.525,"confidence":0.9951172,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.1417001634836197},{"word":"i","start":814.525,"end":814.60504,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.34700822830200195},{"word":"don't","start":814.60504,"end":814.84503,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.28265878558158875},{"word":"expect","start":814.84503,"end":815.245,"confidence":0.9921875,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.32094523310661316},{"word":"anything","start":815.245,"end":815.645,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.25833314657211304},{"word":"stable","start":815.645,"end":816.145,"confidence":1.0,"punctuated_word":"stable","sentiment":"neutral","sentiment_score":-0.3179395794868469},{"word":"at","start":816.205,"end":816.445,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2603815495967865},{"word":"all","start":816.445,"end":816.945,"confidence":0.9926758,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.2365051507949829},{"word":"yep","start":830.84,"end":831.34,"confidence":0.9172363,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06356122344732285},{"word":"yep","start":831.4,"end":831.88,"confidence":0.939209,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.026855159550905228},{"word":"beautiful","start":831.88,"end":832.38,"confidence":0.9951172,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7822363376617432},{"word":"that's","start":837.305,"end":837.545,"confidence":0.9802246,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.06796550005674362},{"word":"all","start":837.545,"end":837.785,"confidence":0.7324219,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.08381489664316177},{"word":"that","start":837.785,"end":838.02496,"confidence":0.3239746,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.07627393305301666},{"word":"makes","start":838.02496,"end":838.345,"confidence":0.5961914,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.06481193006038666},{"word":"sense","start":838.345,"end":838.58496,"confidence":0.78515625,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.052127204835414886},{"word":"so","start":838.58496,"end":838.90497,"confidence":0.80908203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05143767595291138},{"word":"yeah","start":839.065,"end":839.305,"confidence":0.95996094,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08186110109090805},{"word":"yeah","start":839.305,"end":839.46497,"confidence":0.73339844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12470518797636032},{"word":"it","start":839.46497,"end":839.625,"confidence":0.74072266,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1565067023038864},{"word":"all","start":839.625,"end":839.785,"confidence":0.9248047,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.163649782538414},{"word":"makes","start":839.785,"end":839.945,"confidence":0.8364258,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.15570086240768433},{"word":"sense","start":839.945,"end":840.265,"confidence":1.0,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.15728813409805298},{"word":"yep","start":840.265,"end":840.765,"confidence":0.75878906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14058130979537964},{"word":"no","start":843.46497,"end":843.96497,"confidence":0.6888428,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03940795361995697},{"word":"nothing","start":844.105,"end":844.605,"confidence":0.90234375,"punctuated_word":"Nothing.","sentiment":"neutral","sentiment_score":-0.018388699740171432},{"word":"pretty","start":846.33,"end":846.37,"confidence":0.73876953,"punctuated_word":"Pretty","sentiment":"neutral","sentiment_score":0.3237380385398865},{"word":"straightforward","start":846.37,"end":846.41003,"confidence":0.8845215,"punctuated_word":"straightforward,","sentiment":"neutral","sentiment_score":0.27271467447280884},{"word":"which","start":846.41003,"end":846.91003,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.17709505558013916},{"word":"is","start":847.29004,"end":847.45,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5595075488090515},{"word":"good","start":847.45,"end":847.95,"confidence":0.99853516,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4289685487747192},{"word":"yes","start":852.17004,"end":852.67004,"confidence":0.86450195,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08631030470132828},{"word":"i've","start":870.575,"end":870.815,"confidence":0.7207031,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.11889039725065231},{"word":"still","start":870.815,"end":870.97504,"confidence":0.9716797,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.06553889811038971},{"word":"got","start":870.97504,"end":871.135,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08057475090026855},{"word":"the","start":871.135,"end":871.215,"confidence":0.80078125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09620536863803864},{"word":"little","start":871.215,"end":871.455,"confidence":0.94921875,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.11035812646150588},{"word":"kids","start":871.455,"end":871.695,"confidence":0.60791016,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.14305758476257324},{"word":"literally","start":871.695,"end":872.09503,"confidence":0.9091797,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":0.07727204263210297},{"word":"just","start":872.09503,"end":872.255,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06789197772741318},{"word":"sitting","start":872.255,"end":872.575,"confidence":1.0,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.09746986627578735},{"word":"in","start":872.575,"end":872.73505,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08901455998420715},{"word":"my","start":872.73505,"end":872.895,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.08616133034229279},{"word":"study","start":872.895,"end":873.395,"confidence":0.99072266,"punctuated_word":"study.","sentiment":"neutral","sentiment_score":0.0763750970363617},{"word":"i","start":873.455,"end":873.615,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05724241957068443},{"word":"just","start":873.615,"end":873.935,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.055089764297008514},{"word":"have","start":873.935,"end":874.17505,"confidence":0.9902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04312914237380028},{"word":"to","start":874.17505,"end":874.335,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05305417254567146},{"word":"open","start":874.335,"end":874.575,"confidence":0.9819336,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.08147205412387848},{"word":"it","start":874.575,"end":874.655,"confidence":0.7011719,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10584049671888351},{"word":"and","start":874.655,"end":875.055,"confidence":0.7416992,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06791426986455917},{"word":"do","start":875.055,"end":875.215,"confidence":0.89746094,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08249013125896454},{"word":"it","start":875.215,"end":875.715,"confidence":0.97216797,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.10858653485774994},{"word":"yep","start":883.34,"end":883.84,"confidence":0.92749023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10866111516952516},{"word":"oh","start":909.17004,"end":909.67004,"confidence":0.7758789,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.16036489605903623},{"word":"perfect","start":911.97003,"end":912.47003,"confidence":0.9980469,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.43767106533050537},{"word":"beautiful","start":914.77,"end":915.27,"confidence":0.953125,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.43244603276252747},{"word":"i","start":918.61005,"end":918.93005,"confidence":0.9633789,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13885095715522766},{"word":"believe","start":918.93005,"end":919.43005,"confidence":1.0,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":0.1172294169664383},{"word":"so","start":919.49005,"end":919.99005,"confidence":0.99658203,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.14187973737716675},{"word":"i","start":920.10504,"end":920.265,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12007281184196472},{"word":"wanna","start":920.265,"end":920.505,"confidence":0.9921875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.12999916076660156},{"word":"say","start":920.505,"end":921.005,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.16639062762260437},{"word":"yes","start":928.10504,"end":928.60504,"confidence":0.9951172,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.05878880992531776},{"word":"perfect","start":946.5,"end":946.89996,"confidence":0.6668701,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.26152244210243225},{"word":"k","start":946.89996,"end":947.14,"confidence":0.7717285,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.04266877472400665},{"word":"i","start":947.14,"end":947.22,"confidence":0.97509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.029725974425673485},{"word":"think","start":947.22,"end":947.45996,"confidence":0.98828125,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.039242830127477646},{"word":"i'm","start":947.45996,"end":947.62,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.02703769877552986},{"word":"halfway","start":947.62,"end":948.12,"confidence":0.9819336,"punctuated_word":"halfway","sentiment":"neutral","sentiment_score":0.033962540328502655},{"word":"through","start":948.165,"end":948.665,"confidence":0.6789551,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.057927243411540985},{"word":"i","start":949.285,"end":949.785,"confidence":0.78759766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04674044251441955},{"word":"think","start":949.925,"end":950.32495,"confidence":0.75634766,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.055377598851919174},{"word":"and","start":950.32495,"end":950.565,"confidence":0.21569824,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03192271664738655},{"word":"the","start":950.565,"end":950.925,"confidence":0.42114258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03295319899916649},{"word":"keywords","start":950.925,"end":951.285,"confidence":0.8100586,"punctuated_word":"keywords","sentiment":"neutral","sentiment_score":0.03134068846702576},{"word":"here","start":951.285,"end":951.785,"confidence":0.6340332,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.026856089010834697},{"word":"well","start":957.925,"end":958.08496,"confidence":0.565979,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.002187054604291916},{"word":"i","start":958.08496,"end":958.245,"confidence":0.13085938,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0005058199167251587},{"word":"have","start":958.245,"end":958.40497,"confidence":0.44726562,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.002856522798538208},{"word":"to","start":958.40497,"end":958.485,"confidence":0.8510742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0006864331662654877},{"word":"go","start":958.485,"end":958.64496,"confidence":0.546875,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.013334933668375015},{"word":"over","start":958.64496,"end":958.805,"confidence":0.5332031,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.0334090031683445},{"word":"the","start":958.805,"end":958.96497,"confidence":0.8925781,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01389973983168602},{"word":"documents","start":958.96497,"end":959.46497,"confidence":0.9707031,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.012433325871825218},{"word":"no","start":973.86,"end":974.01996,"confidence":0.7751465,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.09808072447776794},{"word":"thank","start":974.01996,"end":974.26,"confidence":0.98535156,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.48138877749443054},{"word":"you","start":974.26,"end":974.58,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.25108230113983154},{"word":"i'll","start":974.58,"end":974.66,"confidence":0.91064453,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.06411316245794296},{"word":"just","start":974.66,"end":974.89996,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11387741565704346},{"word":"press","start":974.89996,"end":975.14,"confidence":0.96972656,"punctuated_word":"press","sentiment":"neutral","sentiment_score":0.08834443986415863},{"word":"validate","start":975.14,"end":975.64,"confidence":0.72546387,"punctuated_word":"validate.","sentiment":"neutral","sentiment_score":0.05192212387919426},{"word":"so","start":975.7,"end":975.94,"confidence":0.7531738,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.05128054320812225},{"word":"hopefully","start":975.94,"end":976.42,"confidence":0.9995117,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.06448111683130264},{"word":"that","start":976.42,"end":976.66,"confidence":0.98535156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0779586136341095},{"word":"goes","start":976.66,"end":976.98,"confidence":0.9760742,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.11484694480895996},{"word":"through","start":976.98,"end":977.48,"confidence":0.9873047,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.13857917487621307},{"word":"and","start":977.62,"end":977.86,"confidence":0.921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08254704624414444},{"word":"delete","start":977.86,"end":978.26,"confidence":0.29638672,"punctuated_word":"delete","sentiment":"neutral","sentiment_score":0.11145976185798644},{"word":"stuff","start":978.26,"end":978.5,"confidence":0.96240234,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.045437559485435486},{"word":"up","start":978.5,"end":978.66,"confidence":0.96972656,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0665518194437027},{"word":"on","start":978.66,"end":978.82,"confidence":0.98291016,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06202593818306923},{"word":"me","start":978.82,"end":979.275,"confidence":0.99609375,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.04771716892719269},{"word":"yeah","start":981.755,"end":982.255,"confidence":0.951416,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0045666201040148735},{"word":"yeah","start":984.955,"end":985.195,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2147706001996994},{"word":"that's","start":985.195,"end":985.435,"confidence":0.99658203,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4081517159938812},{"word":"all","start":985.435,"end":985.59503,"confidence":0.99316406,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.43227213621139526},{"word":"good","start":985.59503,"end":985.835,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.34705156087875366},{"word":"i","start":985.835,"end":985.91504,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.589386522769928},{"word":"hate","start":985.91504,"end":986.155,"confidence":1.0,"punctuated_word":"hate","sentiment":"negative","sentiment_score":-0.642476499080658},{"word":"the","start":986.155,"end":986.315,"confidence":0.7871094,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5231422185897827},{"word":"spinning","start":986.315,"end":986.635,"confidence":0.9707031,"punctuated_word":"spinning","sentiment":"negative","sentiment_score":-0.4374350905418396},{"word":"circle","start":986.635,"end":986.955,"confidence":0.97436523,"punctuated_word":"circle.","sentiment":"negative","sentiment_score":-0.6341133713722229},{"word":"it","start":986.955,"end":987.03503,"confidence":0.984375,"punctuated_word":"It","sentiment":"negative","sentiment_score":-0.6971490979194641},{"word":"makes","start":987.03503,"end":987.275,"confidence":0.9980469,"punctuated_word":"makes","sentiment":"negative","sentiment_score":-0.7264896035194397},{"word":"me","start":987.275,"end":987.435,"confidence":0.984375,"punctuated_word":"me","sentiment":"negative","sentiment_score":-0.676993727684021},{"word":"panic","start":987.435,"end":987.755,"confidence":0.99609375,"punctuated_word":"panic","sentiment":"negative","sentiment_score":-0.7473942041397095},{"word":"every","start":987.755,"end":987.995,"confidence":0.99902344,"punctuated_word":"every","sentiment":"negative","sentiment_score":-0.6690160036087036},{"word":"time","start":987.995,"end":988.23505,"confidence":1.0,"punctuated_word":"time","sentiment":"negative","sentiment_score":-0.6481978297233582},{"word":"i","start":988.23505,"end":988.315,"confidence":0.99902344,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.6326148509979248},{"word":"see","start":988.315,"end":988.47504,"confidence":0.9550781,"punctuated_word":"see","sentiment":"negative","sentiment_score":-0.5924405455589294},{"word":"it","start":988.47504,"end":988.97504,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"negative","sentiment_score":-0.6038848757743835},{"word":"i'm","start":989.435,"end":989.67505,"confidence":0.99121094,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.6443225741386414},{"word":"like","start":989.67505,"end":990.17505,"confidence":0.88500977,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.6589962244033813},{"word":"yeah","start":990.315,"end":990.715,"confidence":0.9394531,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.3153703212738037},{"word":"are","start":990.715,"end":990.79504,"confidence":0.9472656,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.2934938073158264},{"word":"you","start":990.79504,"end":991.03503,"confidence":0.9980469,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.35242846608161926},{"word":"gonna","start":991.03503,"end":991.275,"confidence":0.99316406,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.3851369321346283},{"word":"crash","start":991.275,"end":991.515,"confidence":0.8354492,"punctuated_word":"crash","sentiment":"negative","sentiment_score":-0.3809265196323395},{"word":"again","start":991.515,"end":991.835,"confidence":0.99609375,"punctuated_word":"again","sentiment":"negative","sentiment_score":-0.5128613114356995},{"word":"on","start":991.835,"end":991.91504,"confidence":0.9951172,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.45728349685668945},{"word":"me","start":991.91504,"end":992.155,"confidence":0.9926758,"punctuated_word":"me?","sentiment":"negative","sentiment_score":-0.448529064655304},{"word":"do","start":992.155,"end":992.315,"confidence":1.0,"punctuated_word":"Do","sentiment":"negative","sentiment_score":-0.4361310303211212},{"word":"you","start":992.315,"end":992.395,"confidence":0.99902344,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4449387192726135},{"word":"hate","start":992.395,"end":992.715,"confidence":1.0,"punctuated_word":"hate","sentiment":"negative","sentiment_score":-0.42904260754585266},{"word":"me","start":992.715,"end":992.955,"confidence":0.98657227,"punctuated_word":"me?","sentiment":"negative","sentiment_score":-0.43262219429016113},{"word":"what's","start":992.955,"end":993.275,"confidence":0.8845215,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.20784978568553925},{"word":"the","start":993.275,"end":993.35504,"confidence":0.8286133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19088491797447205},{"word":"go","start":993.35504,"end":993.59503,"confidence":0.3762207,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.1635124534368515},{"word":"here","start":993.59503,"end":994.09503,"confidence":0.83325195,"punctuated_word":"here?","sentiment":"neutral","sentiment_score":-0.1023092269897461},{"word":"yeah","start":1001.76,"end":1002.08,"confidence":0.7895508,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1922186017036438},{"word":"cool","start":1002.08,"end":1002.4,"confidence":0.9770508,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.29863548278808594},{"word":"yep","start":1002.4,"end":1002.9,"confidence":0.94628906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18857407569885257},{"word":"no","start":1008.875,"end":1009.035,"confidence":0.7741699,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.19206689298152924},{"word":"i","start":1009.035,"end":1009.195,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2792378067970276},{"word":"think","start":1009.195,"end":1009.515,"confidence":1.0,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.436785101890564},{"word":"everything's","start":1009.515,"end":1009.995,"confidence":0.9458008,"punctuated_word":"everything's","sentiment":"positive","sentiment_score":0.37937331199646},{"word":"pretty","start":1009.995,"end":1010.315,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.44238197803497314},{"word":"straightforward","start":1010.315,"end":1010.795,"confidence":0.9448242,"punctuated_word":"straightforward.","sentiment":"positive","sentiment_score":0.4699915051460266},{"word":"like","start":1010.795,"end":1010.955,"confidence":0.96875,"punctuated_word":"Like,","sentiment":"positive","sentiment_score":0.4997401535511017},{"word":"the","start":1010.955,"end":1011.035,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5787696838378906},{"word":"fact","start":1011.035,"end":1011.195,"confidence":0.9980469,"punctuated_word":"fact","sentiment":"positive","sentiment_score":0.5724475979804993},{"word":"that","start":1011.195,"end":1011.27496,"confidence":0.9941406,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5361156463623047},{"word":"you","start":1011.27496,"end":1011.515,"confidence":0.9863281,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5729589462280273},{"word":"guys","start":1011.515,"end":1011.675,"confidence":0.9472656,"punctuated_word":"guys","sentiment":"positive","sentiment_score":0.5235825777053833},{"word":"handle","start":1011.675,"end":1011.915,"confidence":0.8618164,"punctuated_word":"handle","sentiment":"positive","sentiment_score":0.5775770545005798},{"word":"it","start":1011.915,"end":1012.075,"confidence":0.93603516,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5884832143783569},{"word":"all","start":1012.075,"end":1012.235,"confidence":0.97314453,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5453618764877319},{"word":"makes","start":1012.235,"end":1012.395,"confidence":0.9614258,"punctuated_word":"makes","sentiment":"positive","sentiment_score":0.589073896408081},{"word":"it","start":1012.395,"end":1012.555,"confidence":0.98095703,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5536208152770996},{"word":"so","start":1012.555,"end":1012.71497,"confidence":0.81591797,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6163812279701233},{"word":"much","start":1012.71497,"end":1012.875,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.6282300353050232},{"word":"easier","start":1012.875,"end":1013.195,"confidence":0.9892578,"punctuated_word":"easier","sentiment":"positive","sentiment_score":0.542689859867096},{"word":"for","start":1013.195,"end":1013.435,"confidence":0.9980469,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.49240779876708984},{"word":"me","start":1013.435,"end":1013.935,"confidence":0.98217773,"punctuated_word":"me.","sentiment":"positive","sentiment_score":0.3992171883583069},{"word":"but","start":1014.955,"end":1015.03503,"confidence":0.9086914,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.3247753977775574},{"word":"yeah","start":1015.115,"end":1015.355,"confidence":0.99609375,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.2877017855644226},{"word":"and","start":1015.355,"end":1015.515,"confidence":0.4621582,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.30716484785079956},{"word":"i've","start":1015.515,"end":1015.755,"confidence":0.99609375,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.33563393354415894},{"word":"got","start":1015.755,"end":1015.995,"confidence":0.9770508,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3376016914844513},{"word":"no","start":1015.995,"end":1016.15497,"confidence":0.9921875,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.24908794462680817},{"word":"real","start":1016.15497,"end":1016.475,"confidence":0.9980469,"punctuated_word":"real","sentiment":"neutral","sentiment_score":0.2007272243499756},{"word":"questions","start":1016.475,"end":1016.875,"confidence":0.9819336,"punctuated_word":"questions.","sentiment":"neutral","sentiment_score":0.2433997094631195},{"word":"like","start":1016.875,"end":1017.115,"confidence":0.9885254,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.28787219524383545},{"word":"i'm","start":1017.115,"end":1017.27496,"confidence":0.75341797,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.26343950629234314},{"word":"going","start":1017.27496,"end":1017.515,"confidence":0.9482422,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.33181530237197876},{"word":"to","start":1017.515,"end":1017.675,"confidence":0.5419922,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34058621525764465},{"word":"have","start":1017.675,"end":1017.915,"confidence":0.64501953,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.27483052015304565},{"word":"24","start":1017.915,"end":1018.395,"confidence":0.88952637,"punctuated_word":"24,","sentiment":"neutral","sentiment_score":0.2634063959121704},{"word":"and","start":1018.395,"end":1018.555,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19852964580059052},{"word":"i've","start":1018.555,"end":1018.71497,"confidence":0.99194336,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.35138410329818726},{"word":"seen","start":1018.71497,"end":1019.035,"confidence":0.9892578,"punctuated_word":"seen","sentiment":"positive","sentiment_score":0.445234477519989},{"word":"everything","start":1019.035,"end":1019.535,"confidence":0.696167,"punctuated_word":"everything.","sentiment":"positive","sentiment_score":0.3645476698875427},{"word":"and","start":1019.595,"end":1019.915,"confidence":0.8027344,"punctuated_word":"And,","sentiment":"positive","sentiment_score":0.4476727247238159},{"word":"yeah","start":1019.915,"end":1020.235,"confidence":0.9584961,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.53938227891922},{"word":"it","start":1020.235,"end":1020.395,"confidence":0.62158203,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6518704891204834},{"word":"looks","start":1020.395,"end":1020.635,"confidence":0.9980469,"punctuated_word":"looks","sentiment":"positive","sentiment_score":0.6358687877655029},{"word":"good","start":1020.635,"end":1021.135,"confidence":0.8947754,"punctuated_word":"good,","sentiment":"positive","sentiment_score":0.5230916738510132},{"word":"essentially","start":1030.74,"end":1030.82,"confidence":0.98095703,"punctuated_word":"essentially.","sentiment":"neutral","sentiment_score":-0.06154298037290573},{"word":"it","start":1030.82,"end":1030.9,"confidence":0.4650879,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.12982705235481262},{"word":"just","start":1030.9,"end":1031.14,"confidence":0.7817383,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1266787052154541},{"word":"said","start":1031.14,"end":1031.38,"confidence":0.80322266,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.14988844096660614},{"word":"it's","start":1031.38,"end":1031.46,"confidence":0.88500977,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.20375750958919525},{"word":"still","start":1031.46,"end":1031.7,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.22881829738616943},{"word":"loading","start":1031.7,"end":1032.1,"confidence":0.9626465,"punctuated_word":"loading.","sentiment":"neutral","sentiment_score":-0.2259222567081451},{"word":"please","start":1032.1,"end":1032.34,"confidence":0.9980469,"punctuated_word":"Please","sentiment":"negative","sentiment_score":-0.3560101389884949},{"word":"be","start":1032.34,"end":1032.5,"confidence":0.99609375,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.36087197065353394},{"word":"patient","start":1032.5,"end":1032.9,"confidence":0.9692383,"punctuated_word":"patient.","sentiment":"negative","sentiment_score":-0.35864168405532837},{"word":"that","start":1032.9,"end":1033.14,"confidence":0.9790039,"punctuated_word":"That","sentiment":"negative","sentiment_score":-0.45319169759750366},{"word":"stresses","start":1033.14,"end":1033.54,"confidence":0.9741211,"punctuated_word":"stresses","sentiment":"negative","sentiment_score":-0.4564373791217804},{"word":"me","start":1033.54,"end":1033.7,"confidence":0.99902344,"punctuated_word":"me","sentiment":"negative","sentiment_score":-0.48677223920822144},{"word":"at","start":1033.7,"end":1033.86,"confidence":0.6796875,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.5263926982879639},{"word":"more","start":1033.86,"end":1034.235,"confidence":0.744751,"punctuated_word":"more.","sentiment":"negative","sentiment_score":-0.4024675488471985},{"word":"that's","start":1036.715,"end":1036.955,"confidence":0.8581543,"punctuated_word":"That's","sentiment":"negative","sentiment_score":-0.414961040019989},{"word":"what","start":1036.955,"end":1037.195,"confidence":0.5058594,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.534479022026062},{"word":"it","start":1037.195,"end":1037.275,"confidence":0.78808594,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3765563666820526},{"word":"does","start":1037.275,"end":1037.775,"confidence":0.6989746,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":-0.29149335622787476},{"word":"yeah","start":1037.835,"end":1038.075,"confidence":0.98168945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.12507644295692444},{"word":"it","start":1038.075,"end":1038.155,"confidence":0.6982422,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.2049582600593567},{"word":"makes","start":1038.155,"end":1038.315,"confidence":0.9873047,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.16605308651924133},{"word":"it","start":1038.315,"end":1038.475,"confidence":0.63916016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.19024160504341123},{"word":"even","start":1038.475,"end":1038.715,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.1767459213733673},{"word":"worse","start":1038.715,"end":1039.215,"confidence":0.9050293,"punctuated_word":"worse.","sentiment":"neutral","sentiment_score":-0.2613106667995453},{"word":"yeah","start":1040.235,"end":1040.5549,"confidence":0.9394531,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10566031187772752},{"word":"i'm","start":1040.5549,"end":1040.715,"confidence":0.95996094,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1272398829460144},{"word":"like","start":1040.715,"end":1040.955,"confidence":0.93237305,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.11036670207977296},{"word":"do","start":1040.955,"end":1041.115,"confidence":0.98828125,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.13988597691059113},{"word":"i","start":1041.115,"end":1041.275,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18508127331733704},{"word":"do","start":1041.275,"end":1041.4349,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.19607336819171903},{"word":"something","start":1041.4349,"end":1041.9349,"confidence":0.9506836,"punctuated_word":"something?","sentiment":"neutral","sentiment_score":-0.17101605236530304},{"word":"like","start":1042.475,"end":1042.635,"confidence":0.9897461,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.15704947710037231},{"word":"why","start":1042.635,"end":1042.875,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.25949791073799133},{"word":"are","start":1042.875,"end":1042.955,"confidence":0.9589844,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.24167034029960632},{"word":"you","start":1042.955,"end":1043.115,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1551683098077774},{"word":"still","start":1043.115,"end":1043.4349,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.22403255105018616},{"word":"loading","start":1043.4349,"end":1043.9349,"confidence":0.92749023,"punctuated_word":"loading?","sentiment":"neutral","sentiment_score":-0.17911911010742188},{"word":"yep","start":1055.85,"end":1056.09,"confidence":0.84350586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.046925418078899384},{"word":"that's","start":1056.09,"end":1056.4099,"confidence":0.91259766,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.004565815441310406},{"word":"probably","start":1056.4099,"end":1056.73,"confidence":0.9951172,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.01411581039428711},{"word":"due","start":1056.73,"end":1056.97,"confidence":0.9941406,"punctuated_word":"due","sentiment":"neutral","sentiment_score":0.00581369549036026},{"word":"for","start":1056.97,"end":1057.13,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.015122085809707642},{"word":"an","start":1057.13,"end":1057.21,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.02592168003320694},{"word":"update","start":1057.21,"end":1057.71,"confidence":0.9975586,"punctuated_word":"update.","sentiment":"neutral","sentiment_score":-0.009970799088478088},{"word":"okay","start":1066.975,"end":1067.475,"confidence":0.78759766,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.009894300252199171},{"word":"yeah","start":1071.9349,"end":1072.1749,"confidence":0.7602539,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18236126005649567},{"word":"cool","start":1072.1749,"end":1072.655,"confidence":0.99609375,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4553837776184082},{"word":"it's","start":1072.655,"end":1072.895,"confidence":0.90893555,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.35124287009239197},{"word":"getting","start":1072.895,"end":1073.295,"confidence":0.9038086,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.30475834012031555},{"word":"done","start":1073.295,"end":1073.795,"confidence":0.80981445,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.2175256907939911},{"word":"of","start":1073.9349,"end":1074.015,"confidence":0.33911133,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.140128493309021},{"word":"course","start":1074.015,"end":1074.415,"confidence":0.8640137,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.1631159782409668},{"word":"i","start":1074.415,"end":1074.575,"confidence":0.43847656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14109386503696442},{"word":"went","start":1074.575,"end":1074.815,"confidence":0.9707031,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.1629154086112976},{"word":"through","start":1074.815,"end":1075.2,"confidence":0.9748535,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.16085132956504822},{"word":"how","start":1075.84,"end":1076.1599,"confidence":0.87841797,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.1771523505449295},{"word":"are","start":1076.1599,"end":1076.32,"confidence":0.81347656,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.15976755321025848},{"word":"you","start":1076.32,"end":1076.82,"confidence":0.9765625,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.15356965363025665},{"word":"yep","start":1081.84,"end":1082.32,"confidence":0.80249023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05269763991236687},{"word":"got","start":1082.32,"end":1082.5599,"confidence":0.94189453,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.024661142379045486},{"word":"it","start":1082.5599,"end":1083.0599,"confidence":0.9020996,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.016629375517368317},{"word":"that's","start":1088.745,"end":1088.825,"confidence":0.7188721,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.006839388515800238},{"word":"all","start":1088.825,"end":1089.325,"confidence":0.61572266,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.007947102189064026},{"word":"good","start":1095.785,"end":1096.285,"confidence":0.98291016,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2980954647064209},{"word":"okay","start":1105.55,"end":1105.87,"confidence":0.8601074,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.23524919152259827},{"word":"perfect","start":1105.87,"end":1106.37,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.45527735352516174},{"word":"i'm","start":1106.8301,"end":1107.0701,"confidence":0.9782715,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4078054428100586},{"word":"just","start":1107.0701,"end":1107.5701,"confidence":0.9980469,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5258937478065491},{"word":"gonna","start":1108.03,"end":1108.35,"confidence":0.5917969,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.4649829864501953},{"word":"double","start":1108.35,"end":1108.5901,"confidence":0.9370117,"punctuated_word":"double","sentiment":"positive","sentiment_score":0.37685802578926086},{"word":"check","start":1108.5901,"end":1108.7101,"confidence":0.9404297,"punctuated_word":"check","sentiment":"positive","sentiment_score":0.3986780047416687},{"word":"it","start":1108.7101,"end":1108.8301,"confidence":0.82714844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2987227439880371},{"word":"on","start":1108.8301,"end":1109.0701,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2721693813800812},{"word":"my","start":1109.0701,"end":1109.23,"confidence":0.99902344,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.3338977098464966},{"word":"side","start":1109.23,"end":1109.55,"confidence":0.99316406,"punctuated_word":"side","sentiment":"positive","sentiment_score":0.3730061054229736},{"word":"as","start":1109.55,"end":1109.7101,"confidence":0.3125,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3330710232257843},{"word":"well","start":1109.7101,"end":1109.9501,"confidence":0.96435547,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.358847439289093},{"word":"to","start":1109.9501,"end":1110.03,"confidence":0.7998047,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.420704573392868},{"word":"make","start":1110.03,"end":1110.1901,"confidence":0.9980469,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.348481684923172},{"word":"sure","start":1110.1901,"end":1110.51,"confidence":0.97802734,"punctuated_word":"sure.","sentiment":"positive","sentiment_score":0.33756500482559204},{"word":"i","start":1110.51,"end":1110.67,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1819392740726471},{"word":"think","start":1110.67,"end":1110.91,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1599150449037552},{"word":"it","start":1110.91,"end":1110.99,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16720961034297943},{"word":"is","start":1110.99,"end":1111.23,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18461984395980835},{"word":"20","start":1111.23,"end":1111.55,"confidence":0.9980469,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.2004549950361252},{"word":"28","start":1111.55,"end":1111.9501,"confidence":0.98217773,"punctuated_word":"28","sentiment":"neutral","sentiment_score":0.04874540492892265},{"word":"from","start":1111.9501,"end":1112.1901,"confidence":0.82910156,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.05319102853536606},{"word":"memory","start":1112.1901,"end":1112.6901,"confidence":0.982666,"punctuated_word":"memory.","sentiment":"neutral","sentiment_score":0.1080995947122574},{"word":"yes","start":1115.9501,"end":1116.27,"confidence":0.9133301,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11679252982139587},{"word":"20","start":1116.27,"end":1116.5901,"confidence":0.9951172,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.1113526001572609},{"word":"28","start":1116.5901,"end":1117.0701,"confidence":0.98547363,"punctuated_word":"28.","sentiment":"neutral","sentiment_score":0.1782183200120926},{"word":"it's","start":1117.0701,"end":1117.23,"confidence":0.9448242,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6111308336257935},{"word":"all","start":1117.23,"end":1117.47,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.6408054828643799},{"word":"good","start":1117.47,"end":1117.845,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6388587951660156},{"word":"now","start":1123.765,"end":1124.005,"confidence":0.578125,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04092700034379959},{"word":"oh","start":1124.085,"end":1124.1649,"confidence":0.7038574,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.04566141217947006},{"word":"could","start":1124.1649,"end":1124.325,"confidence":0.40356445,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.036266524344682693},{"word":"you","start":1124.325,"end":1124.565,"confidence":0.6948242,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.033891335129737854},{"word":"just","start":1124.565,"end":1124.8049,"confidence":0.8588867,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08388131856918335},{"word":"send","start":1124.8049,"end":1125.0449,"confidence":0.96777344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.06444212794303894},{"word":"that","start":1125.0449,"end":1125.5449,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07420778274536133},{"word":"high","start":1125.605,"end":1125.9249,"confidence":0.91015625,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.053874723613262177},{"word":"growth","start":1125.9249,"end":1126.4249,"confidence":0.94384766,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.08131170272827148},{"word":"transfer","start":1126.485,"end":1126.985,"confidence":0.99121094,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.07571044564247131},{"word":"form","start":1127.205,"end":1127.445,"confidence":0.9873047,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.06219710409641266},{"word":"to","start":1127.445,"end":1127.605,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07183276861906052},{"word":"me","start":1127.605,"end":1127.765,"confidence":0.7442627,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.08350732177495956},{"word":"and","start":1127.765,"end":1127.845,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08281323313713074},{"word":"i","start":1127.845,"end":1128.005,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07924652099609375},{"word":"will","start":1128.005,"end":1128.085,"confidence":0.8310547,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.08147631585597992},{"word":"just","start":1128.085,"end":1128.325,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10149024426937105},{"word":"fill","start":1128.325,"end":1128.485,"confidence":0.9941406,"punctuated_word":"fill","sentiment":"neutral","sentiment_score":0.1102004200220108},{"word":"that","start":1128.485,"end":1128.645,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09061289578676224},{"word":"in","start":1128.645,"end":1128.8049,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10429054498672484},{"word":"and","start":1128.8049,"end":1128.965,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0774621069431305},{"word":"send","start":1128.965,"end":1129.125,"confidence":0.9951172,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.05850616097450256},{"word":"it","start":1129.125,"end":1129.2849,"confidence":0.98535156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06434236466884613},{"word":"off","start":1129.2849,"end":1129.445,"confidence":0.71484375,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":0.06037626415491104},{"word":"and","start":1129.445,"end":1129.6849,"confidence":0.9404297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.052056193351745605},{"word":"that's","start":1129.6849,"end":1130.085,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06483863294124603},{"word":"done","start":1130.085,"end":1130.405,"confidence":0.8022461,"punctuated_word":"done,","sentiment":"neutral","sentiment_score":0.0753704309463501},{"word":"isn't","start":1130.405,"end":1130.725,"confidence":0.9995117,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":0.09689973294734956},{"word":"it","start":1130.725,"end":1131.06,"confidence":0.9970703,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.07881654798984528},{"word":"yes","start":1140.5,"end":1140.8201,"confidence":0.8391113,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05410180985927582},{"word":"that's","start":1140.8201,"end":1141.06,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.282156765460968},{"word":"all","start":1141.06,"end":1141.2201,"confidence":0.9819336,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2552075982093811},{"word":"good","start":1141.2201,"end":1141.4601,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2857120633125305},{"word":"yeah","start":1141.4601,"end":1141.6201,"confidence":0.9543457,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17518821358680725},{"word":"as","start":1141.6201,"end":1141.78,"confidence":0.99609375,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.13687479496002197},{"word":"long","start":1141.78,"end":1141.9401,"confidence":0.9980469,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.13872218132019043},{"word":"as","start":1141.9401,"end":1142.1001,"confidence":0.9902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15544506907463074},{"word":"i've","start":1142.1001,"end":1142.18,"confidence":0.9921875,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1336502730846405},{"word":"got","start":1142.18,"end":1142.3401,"confidence":0.9941406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.12421279400587082},{"word":"one","start":1142.3401,"end":1142.5801,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.13518403470516205},{"word":"that","start":1142.5801,"end":1142.7401,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14853806793689728},{"word":"i","start":1142.7401,"end":1142.8201,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14532504975795746},{"word":"can","start":1142.8201,"end":1142.9801,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14642781019210815},{"word":"just","start":1142.9801,"end":1143.4801,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16894657909870148},{"word":"sort","start":1143.975,"end":1144.215,"confidence":0.99902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.13861103355884552},{"word":"of","start":1144.215,"end":1144.455,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1593150645494461},{"word":"just","start":1144.455,"end":1144.695,"confidence":0.9760742,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16437079012393951},{"word":"sign","start":1144.695,"end":1145.015,"confidence":0.8574219,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.11750797182321548},{"word":"and","start":1145.015,"end":1145.1749,"confidence":0.60791016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14698633551597595},{"word":"away","start":1145.1749,"end":1145.495,"confidence":0.91503906,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.1529933363199234},{"word":"it","start":1145.495,"end":1145.575,"confidence":0.890625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19269640743732452},{"word":"goes","start":1145.575,"end":1145.895,"confidence":0.9760742,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.17374470829963684},{"word":"and","start":1145.895,"end":1146.0549,"confidence":0.6557617,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16368497908115387},{"word":"yeah","start":1146.135,"end":1146.375,"confidence":0.99072266,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.15813909471035004},{"word":"that's","start":1146.375,"end":1146.495,"confidence":0.71118164,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.16200853884220123},{"word":"i","start":1146.615,"end":1146.775,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16483347117900848},{"word":"can","start":1146.775,"end":1146.9349,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1511867791414261},{"word":"forward","start":1146.9349,"end":1147.255,"confidence":0.99902344,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.13866937160491943},{"word":"it","start":1147.255,"end":1147.335,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15201985836029053},{"word":"on","start":1147.335,"end":1147.575,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12410306185483932},{"word":"any","start":1147.575,"end":1147.815,"confidence":0.3581543,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.13674712181091309},{"word":"of","start":1147.815,"end":1147.855,"confidence":0.2512207,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12036217749118804},{"word":"the","start":1147.855,"end":1147.895,"confidence":0.28320312,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12760457396507263},{"word":"others","start":1147.895,"end":1148.215,"confidence":0.59887695,"punctuated_word":"others.","sentiment":"neutral","sentiment_score":0.12152672559022903},{"word":"no","start":1148.215,"end":1148.295,"confidence":0.9970703,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.1449124962091446},{"word":"problem","start":1148.295,"end":1148.795,"confidence":1.0,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.17456325888633728},{"word":"will","start":1155.095,"end":1155.415,"confidence":0.92822266,"punctuated_word":"Will","sentiment":"neutral","sentiment_score":0.18669752776622772},{"word":"do","start":1155.415,"end":1155.655,"confidence":0.95874023,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.2177152931690216},{"word":"perfect","start":1155.655,"end":1155.975,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5575154423713684},{"word":"thank","start":1155.975,"end":1156.135,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.629141092300415},{"word":"you","start":1156.135,"end":1156.295,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6487622261047363},{"word":"so","start":1156.295,"end":1156.455,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6626238226890564},{"word":"much","start":1156.455,"end":1156.695,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.693039059638977},{"word":"for","start":1156.695,"end":1156.775,"confidence":0.9506836,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7389242053031921},{"word":"that","start":1156.775,"end":1156.9349,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.6690536737442017},{"word":"i","start":1156.9349,"end":1157.095,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6803835034370422},{"word":"really","start":1157.095,"end":1157.335,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6918216347694397},{"word":"appreciate","start":1157.335,"end":1157.655,"confidence":1.0,"punctuated_word":"appreciate","sentiment":"positive","sentiment_score":0.6403340697288513},{"word":"it","start":1157.655,"end":1157.85,"confidence":0.8125,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.6739559173583984},{"word":"you","start":1162.09,"end":1162.33,"confidence":0.9921875,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.7225382328033447},{"word":"too","start":1162.33,"end":1162.49,"confidence":0.7441406,"punctuated_word":"too","sentiment":"positive","sentiment_score":0.7125397324562073},{"word":"enjoy","start":1162.49,"end":1162.8099,"confidence":0.5522461,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.8105461001396179},{"word":"the","start":1162.8099,"end":1162.97,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.865431547164917},{"word":"warm","start":1162.97,"end":1163.13,"confidence":0.9790039,"punctuated_word":"warm","sentiment":"positive","sentiment_score":0.8725710511207581},{"word":"weather","start":1163.13,"end":1163.45,"confidence":0.9970703,"punctuated_word":"weather","sentiment":"positive","sentiment_score":0.8337585926055908},{"word":"better","start":1163.45,"end":1163.69,"confidence":0.95947266,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.8279538750648499},{"word":"than","start":1163.69,"end":1163.85,"confidence":0.99902344,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.8822171688079834},{"word":"what","start":1163.85,"end":1163.9299,"confidence":0.9970703,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.8309972882270813},{"word":"we","start":1163.9299,"end":1164.09,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.7715578675270081},{"word":"have","start":1164.09,"end":1164.59,"confidence":0.9995117,"punctuated_word":"have.","sentiment":"positive","sentiment_score":0.6903901100158691},{"word":"oh","start":1167.53,"end":1167.77,"confidence":0.9733887,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.6406067609786987},{"word":"beautiful","start":1167.77,"end":1168.27,"confidence":0.99902344,"punctuated_word":"beautiful.","sentiment":"positive","sentiment_score":0.7262284755706787},{"word":"just","start":1168.49,"end":1168.89,"confidence":1.0,"punctuated_word":"Just","sentiment":"positive","sentiment_score":0.4518652558326721},{"word":"take","start":1168.89,"end":1169.13,"confidence":0.99902344,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.4462153911590576},{"word":"the","start":1169.13,"end":1169.21,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.46384087204933167},{"word":"whole","start":1169.21,"end":1169.45,"confidence":0.9980469,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.2472109496593475},{"word":"day","start":1169.45,"end":1169.61,"confidence":0.94628906,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.26497238874435425},{"word":"off","start":1169.61,"end":1169.77,"confidence":0.40771484,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.24216902256011963},{"word":"the","start":1169.77,"end":1170.27,"confidence":0.29101562,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1917966604232788},{"word":"whole","start":1170.73,"end":1170.97,"confidence":0.9301758,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.1690281629562378},{"word":"afternoon","start":1170.97,"end":1171.47,"confidence":0.9042969,"punctuated_word":"afternoon.","sentiment":"neutral","sentiment_score":0.21616686880588531},{"word":"oh","start":1174.975,"end":1175.1349,"confidence":0.8466797,"punctuated_word":"Oh,","sentiment":"negative","sentiment_score":-0.44310110807418823},{"word":"that's","start":1175.1349,"end":1175.375,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.5596851110458374},{"word":"just","start":1175.375,"end":1175.7749,"confidence":0.9980469,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.6804643273353577},{"word":"painful","start":1175.7749,"end":1176.2749,"confidence":0.99609375,"punctuated_word":"painful.","sentiment":"negative","sentiment_score":-0.506547212600708},{"word":"okay","start":1176.495,"end":1176.995,"confidence":0.9758301,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.10786431282758711},{"word":"alright","start":1178.335,"end":1178.6549,"confidence":0.99316406,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.03208421170711517},{"word":"thank","start":1178.6549,"end":1178.815,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5897282958030701},{"word":"you","start":1178.815,"end":1178.975,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6075646281242371},{"word":"so","start":1178.975,"end":1179.215,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.27899226546287537},{"word":"much","start":1179.215,"end":1179.375,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.38288670778274536},{"word":"for","start":1179.375,"end":1179.5349,"confidence":0.9902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.49935126304626465},{"word":"that","start":1179.5349,"end":1179.695,"confidence":0.99658203,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.14169618487358093},{"word":"really","start":1179.695,"end":1179.9349,"confidence":0.8354492,"punctuated_word":"Really","sentiment":"positive","sentiment_score":0.7593517899513245},{"word":"appreciate","start":1179.9349,"end":1180.255,"confidence":0.99902344,"punctuated_word":"appreciate","sentiment":"positive","sentiment_score":0.717330276966095},{"word":"it","start":1180.255,"end":1180.755,"confidence":1.0,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.712395191192627},{"word":"thank","start":1182.0149,"end":1182.1749,"confidence":0.9902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6084153056144714},{"word":"you","start":1182.1749,"end":1182.495,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6068204641342163},{"word":"bye","start":1182.495,"end":1182.995,"confidence":0.94873047,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.1069040521979332}],"paragraphs":{"transcript":"\nHello? Good. Thank you. How are you? Oh, it's raining as per usual.\n\nYes. Wonderful. Yep. Yeah. That's all good.\n\nMhmm. Yeah. All good. Oh, god. Is it Lexi, by any chance?\n\nOh, god. Oh, perfect. No. She's pretty much just my go to easy prompts password thing that I use all the time, so it's easy. Yeah.\n\nCool. Yeah. All good and extra. Yeah. It's just opening up.\n\nI just have to sign it. Easy. Beautiful. Yep. Got it.\n\nYep. Got it. Perfect. Yep. Beautiful.\n\nBeautiful. God. Yep. Cool. Lovely.\n\nYep. Got it. Yeah. Perfect. Yep.\n\nWe haven't done them. They're still just sitting there. Terrible. Yes. Beautiful.\n\nYep. All good. Yep. That's all good. Yep.\n\nYep. Okay. All good. Yes. More of a long long term than a anytime soon kind of goal, but it is in there.\n\nYeah. Definitely. Yep. Pretty much perfect. Yep.\n\nBeautiful. Yes. So I think it's, like, 45 now. But I'm also looking at increasing another day or half a day next year. So I don't know if that'll impact and how much that'll impact.\n\nYep. Alright. Perfect. Easy as. No.\n\nEverything is pretty much exactly the same. Yes. Yes. Yeah. They're a bit painful.\n\nPerfect. Yep. Lovely. Yep. Yep.\n\nBeautiful. Yep. Got it. Yep. Beautiful.\n\nOkay. Perfect. Oh, yeah. That happened in time soon. Yes.\n\nYeah. That's the yes. Okay. Perfect. Yep.\n\nPerfect. Yep. Yeah. I got them. Beautiful.\n\nK. Yep. Okay. Perfect. Okay.\n\nCool. Yep. Yeah. Yeah. That's very good.\n\nYep. Yes. So how do I do I just have to contact the rest and say move me to high grade? Is that how that works? Or that'll be great.\n\nBecause I actually don't know what my password or anything is. So thank you. Perfect. Beautiful. Thank you.\n\nYep. Yep. Alright. That is so clear. I just have no idea what her name it means.\n\nYep. Okay. Perfect. Okay. Perfect.\n\nYeah. Yep. Alright. Perfect. Yep.\n\nYep. Got it. Yeah. Beautiful. Yep.\n\nBeautiful. Oh, yeah. I don't expect anything stable at all at the moment. Okay. Yeah.\n\nThat's yeah. I don't expect anything stable at all. Yep. Yep. Beautiful.\n\nThat's all. That makes sense. So yeah. Yeah. It all makes sense.\n\nYep. No. Nothing. Pretty straightforward, which is good. Yes.\n\nI've still got the little kids literally just sitting in my study. I just have to open it and do it. Yep. Oh, perfect. Beautiful.\n\nI believe so. I wanna say yes. Perfect. K. I think I'm halfway through, I think.\n\nAnd the keywords here. Well, I have to go over the documents. No. Thank you. I'll just press validate.\n\nSo, hopefully, that goes through and delete stuff up on me. Yeah. Yeah. That's all good. I hate the spinning circle.\n\nIt makes me panic every time I see it. I'm like, yeah. Are you gonna crash again on me? Do you hate me? What's the go here?\n\nYeah. Cool. Yep. No. I think everything's pretty straightforward.\n\nLike, the fact that you guys handle it all makes it so much easier for me. But yeah. And I've got no real questions. Like, I'm going to have 24, and I've seen everything. And, yeah, it looks good, essentially.\n\nIt just said it's still loading. Please be patient. That stresses me at more. That's what it does. Yeah.\n\nIt makes it even worse. Yeah. I'm like, do I do something? Like, why are you still loading? Yep.\n\nThat's probably due for an update. Okay. Yeah. Cool. It's getting done.\n\nOf course. I went through. How are you? Yep. Got it.\n\nThat's all good. Okay. Perfect. I'm just gonna double check it on my side as well to make sure. I think it is 20 28 from memory.\n\nYes. 20 28. It's all good. Now oh, could you just send that high growth transfer form to me, and I will just fill that in and send it off, and that's done, isn't it? Yes.\n\nThat's all good. Yeah. As long as I've got one that I can just sort of just sign and away it goes and yeah. That's I can forward it on any of the others. No problem.\n\nWill do. Perfect. Thank you so much for that. I really appreciate it. You too enjoy the warm weather better than what we have.\n\nOh, beautiful. Just take the whole day off the whole afternoon. Oh, that's just painful. Okay. Alright.\n\nThank you so much for that. Really appreciate it. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.71999997,"end":1.22,"sentiment":"neutral","sentiment_score":0.030560653656721115},{"text":"Good.","start":6.0,"end":6.3199997,"sentiment":"positive","sentiment_score":0.43308568000793457},{"text":"Thank you.","start":6.3199997,"end":6.64,"sentiment":"positive","sentiment_score":0.5545751452445984},{"text":"How are you?","start":6.64,"end":7.46,"sentiment":"neutral","sentiment_score":0.30735549330711365},{"text":"Oh, it's raining as per usual.","start":12.719999,"end":15.235001,"sentiment":"neutral","sentiment_score":0.038733166021605335}],"sentiment":"neutral","sentiment_score":0.20978939232344812,"num_words":13,"start":0.71999997,"end":15.235001},{"sentences":[{"text":"Yes.","start":17.855,"end":18.095001,"sentiment":"neutral","sentiment_score":0.3187762498855591},{"text":"Wonderful.","start":18.095001,"end":18.595001,"sentiment":"positive","sentiment_score":0.5754889249801636},{"text":"Yep.","start":24.095001,"end":24.595001,"sentiment":"neutral","sentiment_score":0.05309048295021057},{"text":"Yeah.","start":25.695,"end":25.935001,"sentiment":"neutral","sentiment_score":0.1752488911151886},{"text":"That's all good.","start":25.935001,"end":26.915,"sentiment":"positive","sentiment_score":0.40646157662073773}],"sentiment":"positive","sentiment_score":0.3345698969704764,"num_words":7,"start":17.855,"end":26.915},{"sentences":[{"text":"Mhmm.","start":31.07,"end":31.57,"sentiment":"neutral","sentiment_score":0.0948515087366104},{"text":"Yeah.","start":33.149998,"end":33.39,"sentiment":"neutral","sentiment_score":0.13676872849464417},{"text":"All good.","start":33.39,"end":34.129997,"sentiment":"neutral","sentiment_score":0.18721090257167816},{"text":"Oh, god.","start":37.71,"end":38.37,"sentiment":"neutral","sentiment_score":0.025455295108258724},{"text":"Is it Lexi, by any chance?","start":39.07,"end":40.85,"sentiment":"neutral","sentiment_score":0.03049018109838168}],"sentiment":"neutral","sentiment_score":0.0699911432651182,"num_words":12,"start":31.07,"end":40.85},{"sentences":[{"text":"Oh, god.","start":42.35,"end":43.09,"sentiment":"neutral","sentiment_score":0.0325339138507843},{"text":"Oh, perfect.","start":45.015,"end":48.875,"sentiment":"neutral","sentiment_score":0.26390931010246277},{"text":"No.","start":54.454998,"end":54.775,"sentiment":"neutral","sentiment_score":-0.00915852189064026},{"text":"She's pretty much just my go to easy prompts password thing that I use all the time, so it's easy.","start":54.775,"end":62.5,"sentiment":"neutral","sentiment_score":0.02574183950200677},{"text":"Yeah.","start":64.24,"end":64.64,"sentiment":"neutral","sentiment_score":0.07677291333675385}],"sentiment":"neutral","sentiment_score":0.04520529343818243,"num_words":26,"start":42.35,"end":64.64},{"sentences":[{"text":"Cool.","start":64.64,"end":65.14,"sentiment":"neutral","sentiment_score":0.16058731079101562},{"text":"Yeah.","start":69.36,"end":69.68,"sentiment":"neutral","sentiment_score":0.08404482901096344},{"text":"All good and extra.","start":69.68,"end":70.74,"sentiment":"neutral","sentiment_score":0.21776549890637398},{"text":"Yeah.","start":78.155,"end":78.555,"sentiment":"neutral","sentiment_score":0.03680301830172539},{"text":"It's just opening up.","start":78.555,"end":81.454994,"sentiment":"neutral","sentiment_score":0.038053203374147415}],"sentiment":"neutral","sentiment_score":0.11860999702052637,"num_words":11,"start":64.64,"end":81.454994},{"sentences":[{"text":"I just have to sign it.","start":82.155,"end":83.115,"sentiment":"neutral","sentiment_score":0.08646463478604953},{"text":"Easy.","start":83.115,"end":83.615,"sentiment":"neutral","sentiment_score":0.12838703393936157},{"text":"Beautiful.","start":89.009995,"end":89.509995,"sentiment":"neutral","sentiment_score":0.2423898279666901},{"text":"Yep.","start":89.57,"end":89.81,"sentiment":"neutral","sentiment_score":0.10189300775527954},{"text":"Got it.","start":89.81,"end":90.549995,"sentiment":"neutral","sentiment_score":0.12861911579966545}],"sentiment":"neutral","sentiment_score":0.11351780999790538,"num_words":11,"start":82.155,"end":90.549995},{"sentences":[{"text":"Yep.","start":94.53,"end":94.85,"sentiment":"neutral","sentiment_score":0.09355947375297546},{"text":"Got it.","start":94.85,"end":95.59,"sentiment":"neutral","sentiment_score":0.1801210418343544},{"text":"Perfect.","start":107.645,"end":108.145,"sentiment":"neutral","sentiment_score":0.09901170432567596},{"text":"Yep.","start":111.805,"end":112.205,"sentiment":"neutral","sentiment_score":0.1876695603132248},{"text":"Beautiful.","start":112.205,"end":112.705,"sentiment":"positive","sentiment_score":0.5182345509529114}],"sentiment":"neutral","sentiment_score":0.20978622883558273,"num_words":6,"start":94.53,"end":112.705},{"sentences":[{"text":"Beautiful.","start":121.94,"end":122.44,"sentiment":"neutral","sentiment_score":0.08594371378421783},{"text":"God.","start":126.98,"end":127.46,"sentiment":"neutral","sentiment_score":0.16355979442596436},{"text":"Yep.","start":127.46,"end":127.78,"sentiment":"neutral","sentiment_score":0.17778119444847107},{"text":"Cool.","start":127.78,"end":128.28,"sentiment":"positive","sentiment_score":0.3616997003555298},{"text":"Lovely.","start":133.655,"end":134.155,"sentiment":"positive","sentiment_score":0.625290036201477}],"sentiment":"neutral","sentiment_score":0.282854887843132,"num_words":5,"start":121.94,"end":134.155},{"sentences":[{"text":"Yep.","start":148.35,"end":148.85,"sentiment":"neutral","sentiment_score":0.1087181195616722},{"text":"Got it.","start":148.91,"end":149.65,"sentiment":"neutral","sentiment_score":0.12504516541957855},{"text":"Yeah.","start":165.735,"end":166.235,"sentiment":"neutral","sentiment_score":0.11957520246505736},{"text":"Perfect.","start":169.655,"end":170.155,"sentiment":"neutral","sentiment_score":0.28258949518203735},{"text":"Yep.","start":181.98,"end":182.48,"sentiment":"neutral","sentiment_score":0.035368673503398895}],"sentiment":"neutral","sentiment_score":0.1327236369252205,"num_words":6,"start":148.35,"end":182.48},{"sentences":[{"text":"We haven't done them.","start":194.005,"end":194.80501,"sentiment":"neutral","sentiment_score":-0.05575608043000102},{"text":"They're still just sitting there.","start":194.80501,"end":196.345,"sentiment":"neutral","sentiment_score":-0.04496857151389122},{"text":"Terrible.","start":198.645,"end":199.145,"sentiment":"neutral","sentiment_score":0.1980407238006592},{"text":"Yes.","start":201.365,"end":201.685,"sentiment":"neutral","sentiment_score":0.10828012228012084},{"text":"Beautiful.","start":201.685,"end":202.185,"sentiment":"neutral","sentiment_score":0.23548951745033264}],"sentiment":"neutral","sentiment_score":0.007828598686804375,"num_words":12,"start":194.005,"end":202.185},{"sentences":[{"text":"Yep.","start":217.19,"end":217.69,"sentiment":"neutral","sentiment_score":0.11936824023723602},{"text":"All good.","start":217.75,"end":218.445,"sentiment":"positive","sentiment_score":0.35488462448120117},{"text":"Yep.","start":233.43999,"end":233.68,"sentiment":"neutral","sentiment_score":0.12171491980552672},{"text":"That's all good.","start":233.68,"end":234.73999,"sentiment":"positive","sentiment_score":0.3462481101353963},{"text":"Yep.","start":238.31999,"end":238.81999,"sentiment":"neutral","sentiment_score":-0.015411177650094032}],"sentiment":"neutral","sentiment_score":0.2467731952201575,"num_words":8,"start":217.19,"end":238.81999},{"sentences":[{"text":"Yep.","start":240.31999,"end":240.64,"sentiment":"neutral","sentiment_score":0.02508198842406273},{"text":"Okay.","start":240.64,"end":241.04,"sentiment":"neutral","sentiment_score":0.16484665870666504},{"text":"All good.","start":241.04,"end":241.78,"sentiment":"positive","sentiment_score":0.4627850651741028},{"text":"Yes.","start":250.835,"end":251.235,"sentiment":"neutral","sentiment_score":0.02701548859477043},{"text":"More of a long long term than a anytime soon kind of goal, but it is in there.","start":251.235,"end":257.495,"sentiment":"neutral","sentiment_score":0.09048767812136146}],"sentiment":"neutral","sentiment_score":0.1204909770547048,"num_words":23,"start":240.31999,"end":257.495},{"sentences":[{"text":"Yeah.","start":266.81,"end":267.13,"sentiment":"neutral","sentiment_score":0.07934516668319702},{"text":"Definitely.","start":267.13,"end":267.63,"sentiment":"neutral","sentiment_score":0.06588626652956009},{"text":"Yep.","start":269.45,"end":269.93002,"sentiment":"neutral","sentiment_score":0.23573094606399536},{"text":"Pretty much perfect.","start":269.93002,"end":270.91,"sentiment":"positive","sentiment_score":0.5661665201187134},{"text":"Yep.","start":282.085,"end":282.405,"sentiment":"neutral","sentiment_score":0.07911297678947449}],"sentiment":"neutral","sentiment_score":0.3083678452031953,"num_words":7,"start":266.81,"end":282.405},{"sentences":[{"text":"Beautiful.","start":282.405,"end":282.905,"sentiment":"neutral","sentiment_score":0.3243153691291809},{"text":"Yes.","start":296.12,"end":296.43997,"sentiment":"neutral","sentiment_score":0.03094327822327614},{"text":"So I think it's, like, 45 now.","start":296.43997,"end":299.18,"sentiment":"neutral","sentiment_score":0.04566715045699051},{"text":"But I'm also looking at increasing another day or half a day next year.","start":301.795,"end":306.995,"sentiment":"neutral","sentiment_score":0.047376563772559166},{"text":"So I don't know if that'll impact and how much that'll impact.","start":306.995,"end":312.295,"sentiment":"neutral","sentiment_score":-0.0428837436872224}],"sentiment":"neutral","sentiment_score":0.02353130483201572,"num_words":35,"start":282.405,"end":312.295},{"sentences":[{"text":"Yep.","start":321.03,"end":321.53,"sentiment":"neutral","sentiment_score":0.08686518669128418},{"text":"Alright.","start":330.69498,"end":330.935,"sentiment":"neutral","sentiment_score":0.16734729707241058},{"text":"Perfect.","start":330.935,"end":331.41498,"sentiment":"positive","sentiment_score":0.34054815769195557},{"text":"Easy as.","start":331.41498,"end":332.315,"sentiment":"neutral","sentiment_score":0.2786353528499603},{"text":"No.","start":347.07,"end":347.38998,"sentiment":"neutral","sentiment_score":-0.10417619347572328}],"sentiment":"neutral","sentiment_score":0.17464252561330795,"num_words":6,"start":321.03,"end":347.38998},{"sentences":[{"text":"Everything is pretty much exactly the same.","start":347.38998,"end":349.88998,"sentiment":"neutral","sentiment_score":-0.05381728070122855},{"text":"Yes.","start":356.03,"end":356.53,"sentiment":"neutral","sentiment_score":0.24516959488391876},{"text":"Yes.","start":364.125,"end":364.625,"sentiment":"neutral","sentiment_score":-0.033414844423532486},{"text":"Yeah.","start":375.83,"end":376.22998,"sentiment":"neutral","sentiment_score":-0.14306870102882385},{"text":"They're a bit painful.","start":376.22998,"end":377.21,"sentiment":"neutral","sentiment_score":-0.3055865913629532}],"sentiment":"neutral","sentiment_score":-0.109312948637775,"num_words":14,"start":347.38998,"end":377.21},{"sentences":[{"text":"Perfect.","start":382.55,"end":383.05,"sentiment":"positive","sentiment_score":0.44403767585754395},{"text":"Yep.","start":386.94498,"end":387.345,"sentiment":"neutral","sentiment_score":0.1669710874557495},{"text":"Lovely.","start":387.345,"end":387.845,"sentiment":"positive","sentiment_score":0.3801111876964569},{"text":"Yep.","start":396.38498,"end":396.88498,"sentiment":"neutral","sentiment_score":-0.030959229916334152},{"text":"Yep.","start":398.54498,"end":399.04498,"sentiment":"neutral","sentiment_score":0.11026977002620696}],"sentiment":"neutral","sentiment_score":0.21408609822392463,"num_words":5,"start":382.55,"end":399.04498},{"sentences":[{"text":"Beautiful.","start":399.185,"end":399.685,"sentiment":"positive","sentiment_score":0.348183274269104},{"text":"Yep.","start":408.13998,"end":408.62,"sentiment":"neutral","sentiment_score":0.07149619609117508},{"text":"Got it.","start":408.62,"end":409.28,"sentiment":"neutral","sentiment_score":0.0894680991768837},{"text":"Yep.","start":424.315,"end":424.635,"sentiment":"neutral","sentiment_score":0.19359265267848969},{"text":"Beautiful.","start":424.635,"end":425.135,"sentiment":"positive","sentiment_score":0.35657620429992676}],"sentiment":"neutral","sentiment_score":0.19146408761541048,"num_words":6,"start":399.185,"end":425.135},{"sentences":[{"text":"Okay.","start":443.315,"end":443.635,"sentiment":"neutral","sentiment_score":0.024842236191034317},{"text":"Perfect.","start":443.635,"end":444.135,"sentiment":"neutral","sentiment_score":0.10220716893672945},{"text":"Oh, yeah.","start":451.075,"end":451.475,"sentiment":"neutral","sentiment_score":-0.14916804432868958},{"text":"That happened in time soon.","start":451.475,"end":452.855,"sentiment":"neutral","sentiment_score":-0.23658387362957},{"text":"Yes.","start":461.46,"end":461.96,"sentiment":"neutral","sentiment_score":-0.02154223620891571}],"sentiment":"neutral","sentiment_score":-0.1375748287886381,"num_words":10,"start":443.315,"end":461.96},{"sentences":[{"text":"Yeah.","start":471.185,"end":471.505,"sentiment":"neutral","sentiment_score":0.00010210089385509492},{"text":"That's the yes.","start":471.505,"end":480.80502,"sentiment":"neutral","sentiment_score":0.03356210059913186},{"text":"Okay.","start":488.22998,"end":488.62997,"sentiment":"positive","sentiment_score":0.35521891713142395},{"text":"Perfect.","start":488.62997,"end":489.12997,"sentiment":"positive","sentiment_score":0.5818724632263184},{"text":"Yep.","start":495.34998,"end":495.84998,"sentiment":"neutral","sentiment_score":-0.009675348177552223}],"sentiment":"neutral","sentiment_score":0.14688634783877724,"num_words":7,"start":471.185,"end":495.84998},{"sentences":[{"text":"Perfect.","start":508.815,"end":509.315,"sentiment":"positive","sentiment_score":0.521610677242279},{"text":"Yep.","start":518.3,"end":518.8,"sentiment":"neutral","sentiment_score":0.06995826959609985},{"text":"Yeah.","start":519.1,"end":519.42,"sentiment":"neutral","sentiment_score":0.10117898881435394},{"text":"I got them.","start":519.42,"end":520.24,"sentiment":"neutral","sentiment_score":0.11881620685259502},{"text":"Beautiful.","start":531.625,"end":532.125,"sentiment":"positive","sentiment_score":0.44441843032836914}],"sentiment":"neutral","sentiment_score":0.21337356950555528,"num_words":7,"start":508.815,"end":532.125},{"sentences":[{"text":"K.","start":534.505,"end":535.005,"sentiment":"neutral","sentiment_score":0.11529071629047394},{"text":"Yep.","start":556.665,"end":557.165,"sentiment":"neutral","sentiment_score":0.00018273542809765783},{"text":"Okay.","start":577.12,"end":577.52,"sentiment":"neutral","sentiment_score":0.21946147084236145},{"text":"Perfect.","start":577.52,"end":578.02,"sentiment":"positive","sentiment_score":0.561290979385376},{"text":"Okay.","start":582.765,"end":583.245,"sentiment":"neutral","sentiment_score":0.20686691999435425}],"sentiment":"neutral","sentiment_score":0.22061856438813265,"num_words":5,"start":534.505,"end":583.245},{"sentences":[{"text":"Cool.","start":583.245,"end":583.745,"sentiment":"neutral","sentiment_score":0.2725587487220764},{"text":"Yep.","start":594.47,"end":594.97,"sentiment":"neutral","sentiment_score":0.21407751739025116},{"text":"Yeah.","start":600.63,"end":601.02997,"sentiment":"neutral","sentiment_score":0.19329670071601868},{"text":"Yeah.","start":601.02997,"end":601.35,"sentiment":"neutral","sentiment_score":0.26881295442581177},{"text":"That's very good.","start":601.35,"end":602.25,"sentiment":"positive","sentiment_score":0.40931637088457745}],"sentiment":"neutral","sentiment_score":0.3109564334154129,"num_words":7,"start":583.245,"end":602.25},{"sentences":[{"text":"Yep.","start":620.58997,"end":621.08997,"sentiment":"neutral","sentiment_score":0.14717818796634674},{"text":"Yes.","start":637.15497,"end":637.65497,"sentiment":"neutral","sentiment_score":0.2227916419506073},{"text":"So how do I do I just have to contact the rest and say move me to high grade?","start":640.995,"end":645.235,"sentiment":"neutral","sentiment_score":0.09360302592578687},{"text":"Is that how that works?","start":645.235,"end":646.27496,"sentiment":"neutral","sentiment_score":0.10239687114953995},{"text":"Or that'll be great.","start":646.27496,"end":658.27,"sentiment":"neutral","sentiment_score":0.04873789940029383}],"sentiment":"neutral","sentiment_score":0.09517877586185933,"num_words":30,"start":620.58997,"end":658.27},{"sentences":[{"text":"Because I actually don't know what my password or anything is.","start":659.61005,"end":664.58496,"sentiment":"neutral","sentiment_score":-0.033899623223326424},{"text":"So thank you.","start":665.125,"end":671.225,"sentiment":"neutral","sentiment_score":0.2502472698688507},{"text":"Perfect.","start":678.31,"end":678.71,"sentiment":"positive","sentiment_score":0.6744365692138672},{"text":"Beautiful.","start":678.71,"end":679.19,"sentiment":"positive","sentiment_score":0.7235366106033325},{"text":"Thank you.","start":679.19,"end":679.93,"sentiment":"positive","sentiment_score":0.6595318019390106}],"sentiment":"neutral","sentiment_score":0.17193792988028792,"num_words":18,"start":659.61005,"end":679.93},{"sentences":[{"text":"Yep.","start":690.79004,"end":691.29004,"sentiment":"neutral","sentiment_score":0.03864714875817299},{"text":"Yep.","start":691.43,"end":691.845,"sentiment":"neutral","sentiment_score":0.031755443662405014},{"text":"Alright.","start":695.845,"end":696.245,"sentiment":"neutral","sentiment_score":0.025577381253242493},{"text":"That is so clear.","start":696.245,"end":696.96497,"sentiment":"neutral","sentiment_score":0.03997456328943372},{"text":"I just have no idea what her name it means.","start":696.96497,"end":698.985,"sentiment":"neutral","sentiment_score":-0.08475101497024298}],"sentiment":"neutral","sentiment_score":-0.03480187781593379,"num_words":17,"start":690.79004,"end":698.985},{"sentences":[{"text":"Yep.","start":705.79004,"end":706.29004,"sentiment":"neutral","sentiment_score":0.1300625205039978},{"text":"Okay.","start":715.23004,"end":715.63,"sentiment":"neutral","sentiment_score":0.25441569089889526},{"text":"Perfect.","start":715.63,"end":716.13,"sentiment":"positive","sentiment_score":0.590894341468811},{"text":"Okay.","start":737.62,"end":737.94,"sentiment":"neutral","sentiment_score":0.05788606405258179},{"text":"Perfect.","start":737.94,"end":738.44,"sentiment":"positive","sentiment_score":0.35210657119750977}],"sentiment":"neutral","sentiment_score":0.27707303762435914,"num_words":5,"start":705.79004,"end":738.44},{"sentences":[{"text":"Yeah.","start":738.5,"end":739.0,"sentiment":"neutral","sentiment_score":0.2229974865913391},{"text":"Yep.","start":758.195,"end":758.695,"sentiment":"neutral","sentiment_score":0.15035057067871094},{"text":"Alright.","start":761.88,"end":762.12,"sentiment":"neutral","sentiment_score":0.20872589945793152},{"text":"Perfect.","start":762.12,"end":762.62,"sentiment":"positive","sentiment_score":0.3509558141231537},{"text":"Yep.","start":769.56,"end":770.06,"sentiment":"neutral","sentiment_score":0.05922631546854973}],"sentiment":"neutral","sentiment_score":0.198451217263937,"num_words":5,"start":738.5,"end":770.06},{"sentences":[{"text":"Yep.","start":771.95996,"end":772.36,"sentiment":"neutral","sentiment_score":0.08965006470680237},{"text":"Got it.","start":772.36,"end":773.1,"sentiment":"neutral","sentiment_score":0.1028236523270607},{"text":"Yeah.","start":781.365,"end":781.865,"sentiment":"neutral","sentiment_score":0.03648186475038528},{"text":"Beautiful.","start":790.44,"end":790.94,"sentiment":"neutral","sentiment_score":0.09854871034622192},{"text":"Yep.","start":793.16003,"end":793.56,"sentiment":"neutral","sentiment_score":0.17854265868663788}],"sentiment":"neutral","sentiment_score":0.10147843385736148,"num_words":6,"start":771.95996,"end":793.56},{"sentences":[{"text":"Beautiful.","start":793.56,"end":794.06,"sentiment":"positive","sentiment_score":0.43840521574020386},{"text":"Oh, yeah.","start":803.16504,"end":803.48505,"sentiment":"neutral","sentiment_score":-0.16198141872882843},{"text":"I don't expect anything stable at all at the moment.","start":803.48505,"end":805.98505,"sentiment":"neutral","sentiment_score":-0.3284270644187927},{"text":"Okay.","start":806.205,"end":806.705,"sentiment":"neutral","sentiment_score":-0.1159726083278656},{"text":"Yeah.","start":813.885,"end":814.04504,"sentiment":"neutral","sentiment_score":-0.09289303421974182}],"sentiment":"neutral","sentiment_score":-0.2252462605635325,"num_words":15,"start":793.56,"end":814.04504},{"sentences":[{"text":"That's yeah.","start":814.04504,"end":814.525,"sentiment":"neutral","sentiment_score":-0.13766027241945267},{"text":"I don't expect anything stable at all.","start":814.525,"end":816.945,"sentiment":"neutral","sentiment_score":-0.28911023906299044},{"text":"Yep.","start":830.84,"end":831.34,"sentiment":"neutral","sentiment_score":0.06356122344732285},{"text":"Yep.","start":831.4,"end":831.88,"sentiment":"neutral","sentiment_score":0.026855159550905228},{"text":"Beautiful.","start":831.88,"end":832.38,"sentiment":"positive","sentiment_score":0.7822363376617432}],"sentiment":"neutral","sentiment_score":-0.11886995813498895,"num_words":12,"start":814.04504,"end":832.38},{"sentences":[{"text":"That's all.","start":837.305,"end":837.785,"sentiment":"neutral","sentiment_score":0.0758901983499527},{"text":"That makes sense.","start":837.785,"end":838.58496,"sentiment":"neutral","sentiment_score":0.0644043559829394},{"text":"So yeah.","start":838.58496,"end":839.305,"sentiment":"neutral","sentiment_score":0.06664938852190971},{"text":"Yeah.","start":839.305,"end":839.46497,"sentiment":"neutral","sentiment_score":0.12470518797636032},{"text":"It all makes sense.","start":839.46497,"end":840.265,"sentiment":"neutral","sentiment_score":0.15828637033700943}],"sentiment":"neutral","sentiment_score":0.10301190925141175,"num_words":12,"start":837.305,"end":840.265},{"sentences":[{"text":"Yep.","start":840.265,"end":840.765,"sentiment":"neutral","sentiment_score":0.14058130979537964},{"text":"No.","start":843.46497,"end":843.96497,"sentiment":"neutral","sentiment_score":-0.03940795361995697},{"text":"Nothing.","start":844.105,"end":844.605,"sentiment":"neutral","sentiment_score":-0.018388699740171432},{"text":"Pretty straightforward, which is good.","start":846.33,"end":847.95,"sentiment":"positive","sentiment_score":0.35240477323532104},{"text":"Yes.","start":852.17004,"end":852.67004,"sentiment":"neutral","sentiment_score":0.08631030470132828}],"sentiment":"neutral","sentiment_score":0.21456875859035385,"num_words":9,"start":840.265,"end":852.67004},{"sentences":[{"text":"I've still got the little kids literally just sitting in my study.","start":870.575,"end":873.395,"sentiment":"neutral","sentiment_score":0.09240083334346612},{"text":"I just have to open it and do it.","start":873.455,"end":875.715,"sentiment":"neutral","sentiment_score":0.07275766506791115},{"text":"Yep.","start":883.34,"end":883.84,"sentiment":"neutral","sentiment_score":0.10866111516952516},{"text":"Oh, perfect.","start":909.17004,"end":912.47003,"sentiment":"neutral","sentiment_score":0.2990179806947708},{"text":"Beautiful.","start":914.77,"end":915.27,"sentiment":"positive","sentiment_score":0.43244603276252747}],"sentiment":"neutral","sentiment_score":0.11611088380217552,"num_words":25,"start":870.575,"end":915.27},{"sentences":[{"text":"I believe so.","start":918.61005,"end":919.99005,"sentiment":"neutral","sentiment_score":0.1326533704996109},{"text":"I wanna say yes.","start":920.10504,"end":928.60504,"sentiment":"neutral","sentiment_score":0.1188128525391221},{"text":"Perfect.","start":946.5,"end":946.89996,"sentiment":"neutral","sentiment_score":0.26152244210243225},{"text":"K.","start":946.89996,"end":947.14,"sentiment":"neutral","sentiment_score":0.04266877472400665},{"text":"I think I'm halfway through, I think.","start":947.14,"end":950.32495,"sentiment":"neutral","sentiment_score":0.0414306183478662}],"sentiment":"neutral","sentiment_score":0.09171356668230146,"num_words":16,"start":918.61005,"end":950.32495},{"sentences":[{"text":"And the keywords here.","start":950.32495,"end":951.785,"sentiment":"neutral","sentiment_score":0.030768173281103373},{"text":"Well, I have to go over the documents.","start":957.925,"end":959.46497,"sentiment":"neutral","sentiment_score":0.009073518449440598},{"text":"No.","start":973.86,"end":974.01996,"sentiment":"neutral","sentiment_score":0.09808072447776794},{"text":"Thank you.","start":974.01996,"end":974.58,"sentiment":"positive","sentiment_score":0.36623553931713104},{"text":"I'll just press validate.","start":974.58,"end":975.64,"sentiment":"neutral","sentiment_score":0.07956428546458483}],"sentiment":"neutral","sentiment_score":0.07076156766791093,"num_words":19,"start":950.32495,"end":975.64},{"sentences":[{"text":"So, hopefully, that goes through and delete stuff up on me.","start":975.7,"end":979.275,"sentiment":"neutral","sentiment_score":0.07844415340911258},{"text":"Yeah.","start":981.755,"end":982.255,"sentiment":"neutral","sentiment_score":0.0045666201040148735},{"text":"Yeah.","start":984.955,"end":985.195,"sentiment":"neutral","sentiment_score":0.2147706001996994},{"text":"That's all good.","start":985.195,"end":985.835,"sentiment":"positive","sentiment_score":0.3958251376946767},{"text":"I hate the spinning circle.","start":985.835,"end":986.955,"sentiment":"negative","sentiment_score":-0.5653107404708863}],"sentiment":"neutral","sentiment_score":-0.02651692292697373,"num_words":21,"start":975.7,"end":986.955},{"sentences":[{"text":"It makes me panic every time I see it.","start":986.955,"end":988.97504,"sentiment":"negative","sentiment_score":-0.6660200821028815},{"text":"I'm like, yeah.","start":989.435,"end":990.715,"sentiment":"negative","sentiment_score":-0.5395630399386088},{"text":"Are you gonna crash again on me?","start":990.715,"end":992.155,"sentiment":"negative","sentiment_score":-0.40437994258744375},{"text":"Do you hate me?","start":992.155,"end":992.955,"sentiment":"negative","sentiment_score":-0.43568363785743713},{"text":"What's the go here?","start":992.955,"end":994.09503,"sentiment":"neutral","sentiment_score":-0.16613909602165222}],"sentiment":"negative","sentiment_score":-0.4759563108285268,"num_words":27,"start":986.955,"end":994.09503},{"sentences":[{"text":"Yeah.","start":1001.76,"end":1002.08,"sentiment":"neutral","sentiment_score":0.1922186017036438},{"text":"Cool.","start":1002.08,"end":1002.4,"sentiment":"neutral","sentiment_score":0.29863548278808594},{"text":"Yep.","start":1002.4,"end":1002.9,"sentiment":"neutral","sentiment_score":0.18857407569885257},{"text":"No.","start":1008.875,"end":1009.035,"sentiment":"neutral","sentiment_score":0.19206689298152924},{"text":"I think everything's pretty straightforward.","start":1009.035,"end":1010.795,"sentiment":"positive","sentiment_score":0.40155394077301027}],"sentiment":"neutral","sentiment_score":0.31991830633746254,"num_words":9,"start":1001.76,"end":1010.795},{"sentences":[{"text":"Like, the fact that you guys handle it all makes it so much easier for me.","start":1010.795,"end":1013.935,"sentiment":"positive","sentiment_score":0.5510410983115435},{"text":"But yeah.","start":1014.955,"end":1015.355,"sentiment":"neutral","sentiment_score":0.30623859167099},{"text":"And I've got no real questions.","start":1015.355,"end":1016.875,"sentiment":"neutral","sentiment_score":0.27893589188655216},{"text":"Like, I'm going to have 24, and I've seen everything.","start":1016.875,"end":1019.535,"sentiment":"neutral","sentiment_score":0.31216460317373274},{"text":"And, yeah, it looks good, essentially.","start":1019.595,"end":1030.82,"sentiment":"positive","sentiment_score":0.4560571623345216}],"sentiment":"positive","sentiment_score":0.42401847783476115,"num_words":40,"start":1010.795,"end":1030.82},{"sentences":[{"text":"It just said it's still loading.","start":1030.82,"end":1032.1,"sentiment":"neutral","sentiment_score":-0.17748204370339712},{"text":"Please be patient.","start":1032.1,"end":1032.9,"sentiment":"negative","sentiment_score":-0.3585079312324524},{"text":"That stresses me at more.","start":1032.9,"end":1034.235,"sentiment":"negative","sentiment_score":-0.46505231261253355},{"text":"That's what it does.","start":1036.715,"end":1037.775,"sentiment":"negative","sentiment_score":-0.4043724462389946},{"text":"Yeah.","start":1037.835,"end":1038.075,"sentiment":"neutral","sentiment_score":-0.12507644295692444}],"sentiment":"neutral","sentiment_score":-0.3267496761522795,"num_words":19,"start":1030.82,"end":1038.075},{"sentences":[{"text":"It makes it even worse.","start":1038.075,"end":1039.215,"sentiment":"neutral","sentiment_score":-0.19986190795898437},{"text":"Yeah.","start":1040.235,"end":1040.5549,"sentiment":"neutral","sentiment_score":-0.10566031187772752},{"text":"I'm like, do I do something?","start":1040.5549,"end":1041.9349,"sentiment":"neutral","sentiment_score":-0.15494387596845627},{"text":"Like, why are you still loading?","start":1042.475,"end":1043.9349,"sentiment":"neutral","sentiment_score":-0.20275628318389258},{"text":"Yep.","start":1055.85,"end":1056.09,"sentiment":"neutral","sentiment_score":0.046925418078899384}],"sentiment":"neutral","sentiment_score":-0.16864449413199173,"num_words":19,"start":1038.075,"end":1056.09},{"sentences":[{"text":"That's probably due for an update.","start":1056.09,"end":1057.71,"sentiment":"neutral","sentiment_score":-0.010647082546104988},{"text":"Okay.","start":1066.975,"end":1067.475,"sentiment":"neutral","sentiment_score":0.009894300252199171},{"text":"Yeah.","start":1071.9349,"end":1072.1749,"sentiment":"neutral","sentiment_score":0.18236126005649567},{"text":"Cool.","start":1072.1749,"end":1072.655,"sentiment":"positive","sentiment_score":0.4553837776184082},{"text":"It's getting done.","start":1072.655,"end":1073.795,"sentiment":"neutral","sentiment_score":0.29117563366889954}],"sentiment":"neutral","sentiment_score":0.12144031197143097,"num_words":12,"start":1056.09,"end":1073.795},{"sentences":[{"text":"Of course.","start":1073.9349,"end":1074.415,"sentiment":"neutral","sentiment_score":0.1516222357749939},{"text":"I went through.","start":1074.415,"end":1075.2,"sentiment":"neutral","sentiment_score":0.15495353440443674},{"text":"How are you?","start":1075.84,"end":1076.82,"sentiment":"neutral","sentiment_score":0.16349651912848154},{"text":"Yep.","start":1081.84,"end":1082.32,"sentiment":"neutral","sentiment_score":0.05269763991236687},{"text":"Got it.","start":1082.32,"end":1083.0599,"sentiment":"neutral","sentiment_score":0.0206452589482069}],"sentiment":"neutral","sentiment_score":0.1229620718143203,"num_words":11,"start":1073.9349,"end":1083.0599},{"sentences":[{"text":"That's all good.","start":1088.745,"end":1096.285,"sentiment":"neutral","sentiment_score":0.10429398513709505},{"text":"Okay.","start":1105.55,"end":1105.87,"sentiment":"neutral","sentiment_score":0.23524919152259827},{"text":"Perfect.","start":1105.87,"end":1106.37,"sentiment":"positive","sentiment_score":0.45527735352516174},{"text":"I'm just gonna double check it on my side as well to make sure.","start":1106.8301,"end":1110.51,"sentiment":"positive","sentiment_score":0.37504884813513073},{"text":"I think it is 20 28 from memory.","start":1110.51,"end":1112.6901,"sentiment":"neutral","sentiment_score":0.13802184956148267}],"sentiment":"neutral","sentiment_score":0.2725284137349162,"num_words":27,"start":1088.745,"end":1112.6901},{"sentences":[{"text":"Yes.","start":1115.9501,"end":1116.27,"sentiment":"neutral","sentiment_score":0.11679252982139587},{"text":"20 28.","start":1116.27,"end":1117.0701,"sentiment":"neutral","sentiment_score":0.14478546008467674},{"text":"It's all good.","start":1117.0701,"end":1117.845,"sentiment":"positive","sentiment_score":0.6302650372187296},{"text":"Now oh, could you just send that high growth transfer form to me, and I will just fill that in and send it off, and that's done, isn't it?","start":1123.765,"end":1131.06,"sentiment":"neutral","sentiment_score":0.0719486268173004},{"text":"Yes.","start":1140.5,"end":1140.8201,"sentiment":"neutral","sentiment_score":0.05410180985927582}],"sentiment":"neutral","sentiment_score":0.1232714041446646,"num_words":36,"start":1115.9501,"end":1140.8201},{"sentences":[{"text":"That's all good.","start":1140.8201,"end":1141.4601,"sentiment":"neutral","sentiment_score":0.2743588089942932},{"text":"Yeah.","start":1141.4601,"end":1141.6201,"sentiment":"neutral","sentiment_score":0.17518821358680725},{"text":"As long as I've got one that I can just sort of just sign and away it goes and yeah.","start":1141.6201,"end":1146.375,"sentiment":"neutral","sentiment_score":0.1500688187777996},{"text":"That's I can forward it on any of the others.","start":1146.375,"end":1148.215,"sentiment":"neutral","sentiment_score":0.1399061679840088},{"text":"No problem.","start":1148.215,"end":1148.795,"sentiment":"neutral","sentiment_score":0.15973787754774094}],"sentiment":"neutral","sentiment_score":0.1588382903072569,"num_words":36,"start":1140.8201,"end":1148.795},{"sentences":[{"text":"Will do.","start":1155.095,"end":1155.655,"sentiment":"neutral","sentiment_score":0.20220641046762466},{"text":"Perfect.","start":1155.655,"end":1155.975,"sentiment":"positive","sentiment_score":0.5575154423713684},{"text":"Thank you so much for that.","start":1155.975,"end":1156.9349,"sentiment":"positive","sentiment_score":0.6735906799634298},{"text":"I really appreciate it.","start":1156.9349,"end":1157.85,"sentiment":"positive","sentiment_score":0.6716237813234329},{"text":"You too enjoy the warm weather better than what we have.","start":1162.09,"end":1164.59,"sentiment":"positive","sentiment_score":0.8018637787212025}],"sentiment":"positive","sentiment_score":0.6879362097630898,"num_words":24,"start":1155.095,"end":1164.59},{"sentences":[{"text":"Oh, beautiful.","start":1167.53,"end":1168.27,"sentiment":"positive","sentiment_score":0.6834176182746887},{"text":"Just take the whole day off the whole afternoon.","start":1168.49,"end":1171.47,"sentiment":"neutral","sentiment_score":0.299251730243365},{"text":"Oh, that's just painful.","start":1174.975,"end":1176.2749,"sentiment":"negative","sentiment_score":-0.5474494397640228},{"text":"Okay.","start":1176.495,"end":1176.995,"sentiment":"neutral","sentiment_score":-0.10786431282758711},{"text":"Alright.","start":1178.335,"end":1178.6549,"sentiment":"neutral","sentiment_score":0.03208421170711517}],"sentiment":"neutral","sentiment_score":0.10556017344488818,"num_words":17,"start":1167.53,"end":1178.6549},{"sentences":[{"text":"Thank you so much for that.","start":1178.6549,"end":1179.695,"sentiment":"positive","sentiment_score":0.4167032241821289},{"text":"Really appreciate it.","start":1179.695,"end":1180.755,"sentiment":"positive","sentiment_score":0.7296924193700155},{"text":"Thank you.","start":1182.0149,"end":1182.495,"sentiment":"positive","sentiment_score":0.6076178848743439},{"text":"Bye.","start":1182.495,"end":1182.995,"sentiment":"neutral","sentiment_score":-0.1069040521979332}],"sentiment":"positive","sentiment_score":0.4831356933961312,"num_words":12,"start":1178.6549,"end":1182.995}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Daniella. It's Tommy here from Oakview. How are you doing?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: I'm doing absolutely fantastic. It's a beautiful overcast down in the Gold Coast. What about your end?\n\nChannel 1: Oh, it's raining as per usual.\n\nChannel 0: Both having a fantastic time.\n\nChannel 1: Yes. Wonderful.\n\nChannel 0: I have an updated advice strategy to send through to you. Do you still have\n\nChannel 1: Yep.\n\nChannel 0: a bit of time for me today?\n\nChannel 1: Yeah. That's all good.\n\nChannel 0: Perfect. So while I pop that through to your email, I'm just gonna do\n\nChannel 1: Mhmm.\n\nChannel 0: a quick security check with you.\n\nChannel 1: Yeah. All good.\n\nChannel 0: If you recall your client password with Oakview\n\nChannel 1: Oh, god. Is it Lexi, by any chance?\n\nChannel 0: it is.\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: god.\n\nChannel 0: didn't have a a password prompt there, so I was gonna\n\nChannel 1: Oh,\n\nChannel 0: switch over to 3Point. But, yes, it is Lexi.\n\nChannel 1: perfect.\n\nChannel 0: Amazing. Do you want me to add a prompt down just in case if you ever forget, or do you think you'll always remember?\n\nChannel 1: No. She's pretty much just my go to easy prompts password thing\n\nChannel 0: I'm\n\nChannel 1: that\n\nChannel 0: gonna\n\nChannel 1: I use\n\nChannel 0: write\n\nChannel 1: all\n\nChannel 0: that down.\n\nChannel 1: the time,\n\nChannel 0: Go\n\nChannel 1: so it's\n\nChannel 0: to\n\nChannel 1: easy.\n\nChannel 0: easy prompt password thing.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: That'll work. Now are you okay for this call to be recorded?\n\nChannel 1: Yeah. All good and extra.\n\nChannel 0: Perfect. Now I've sent that through to your Gmail account. Will you be able to look onto the document with me today, or should I just kinda\n\nChannel 1: Yeah.\n\nChannel 0: walk\n\nChannel 1: It's\n\nChannel 0: you through it?\n\nChannel 1: just opening up. I just have to sign\n\nChannel 0: Beautiful.\n\nChannel 1: it. Easy.\n\nChannel 0: No. So when you hit that sign button, it'll actually bring open the documents to scroll through with it.\n\nChannel 1: Beautiful. Yep. Got it.\n\nChannel 0: Cool. So you should see that beachfront city Gold Coast picture.\n\nChannel 1: Yep. Got it.\n\nChannel 0: Amazing. So just to let you know what's here, we're in a bit of an updated plan. I've factored in everything that's been going on with government legislation changes, the markets, and all the discussions I've had with Dom as well just to\n\nChannel 1: Perfect.\n\nChannel 0: make sure what you've got is as up to date as can be.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Beautiful.\n\nChannel 0: in addition to the SOA, you also have, like, a consent form for Hub 24 and also just product documents for all the providers,\n\nChannel 1: Beautiful.\n\nChannel 0: which unfortunately is about 1,400 pages. So these are just for your records.\n\nChannel 1: God. Yep. Cool.\n\nChannel 0: Yeah. So you don't have to read through them. They are skippable, but it will give you a copy as well.\n\nChannel 1: Lovely.\n\nChannel 0: Perfect. Now if you have a little scroll through to me on pages four and five, it'll be three on the bottom of the document, four on the Odoo system. You'll see a scope of advice.\n\nChannel 1: Yep. Got it.\n\nChannel 0: So what this document covers essentially is a review of the superannuation, and your sort of Northern Star guiding goal is a bit of a joint early retirement for you guys. So as we refine things over time, we'll continually sort of reanalyze how you're tracking for that ultimate retirement\n\nChannel 1: Yeah.\n\nChannel 0: goal.\n\nChannel 1: Perfect.\n\nChannel 0: Portfolios, weren't doing anything crazy in terms of additional contributions or anything like that right now.\n\nChannel 1: Yep.\n\nChannel 0: And we have a bit of reminder in there in terms of estate planning just to make sure we've got, you know, a will power of attorney in place. I believe you guys had some will kits previously. Not sure if you guys finalized\n\nChannel 1: We haven't\n\nChannel 0: those.\n\nChannel 1: done them. They're still just sitting there.\n\nChannel 0: That's okay. It's always the way, and\n\nChannel 1: Terrible.\n\nChannel 0: it is just our our reminder.\n\nChannel 1: Yes. Beautiful.\n\nChannel 0: On the next page, limited scope. We weren't doing any insurance advice because of health concerns. We're just keeping your rest cover in place, but this does factor in the premiums and the impact that they do have on the super.\n\nChannel 1: Yep. All good.\n\nChannel 0: Cool. In terms of the other goals, we've got your cash flow, debt management, investment goals, and everything listed. You've got beneficiaries in place. That's goals, and everything listed. You've got beneficiaries in place.\n\nThat's great. Essentially, you guys are comfortable managing your your personal goals, which is obviously,\n\nChannel 1: Yep. That's\n\nChannel 0: you\n\nChannel 1: all\n\nChannel 0: know, holiday\n\nChannel 1: good.\n\nChannel 0: savings, debt repayments, mortgages, and so on,\n\nChannel 1: Yep.\n\nChannel 0: that's not covered in this document.\n\nChannel 1: Yep. Okay. All good.\n\nChannel 0: Cool. And just out of curiosity, are you guys still planning after you pay down the mortgage to look towards investment properties? Is kind of a a long, long term thing?\n\nChannel 1: Yes.\n\nChannel 0: Or\n\nChannel 1: More of a long long term than a anytime soon kind of goal,\n\nChannel 0: Yeah.\n\nChannel 1: but it\n\nChannel 0: Absolutely.\n\nChannel 1: is in there.\n\nChannel 0: Perfect. I've essentially put down some priorities there just saying that, you know, you're doing some savings. You're paying down your mortgage. The properties are probably your third priority,\n\nChannel 1: Yeah.\n\nChannel 0: and then\n\nChannel 1: Definitely.\n\nChannel 0: everything else comes after that.\n\nChannel 1: Yep. Pretty much perfect.\n\nChannel 0: Perfect. If you scroll through, you'll see a red heading for limited advice warning saying exactly that. It's not covering everything. And if the information isn't accurate, that impacts the advice.\n\nChannel 1: Yep. Beautiful.\n\nChannel 0: In terms of your details, may need a little bit of updating here, but there's an about you section where we have you as a student counselor on about 41,000. Still doing part time.\n\nChannel 1: Yes. So I think it's, like, 45 now.\n\nChannel 0: Perfect. So I'm gonna\n\nChannel 1: But\n\nChannel 0: add\n\nChannel 1: I'm\n\nChannel 0: that\n\nChannel 1: also\n\nChannel 0: into your\n\nChannel 1: looking at increasing another day or half a day next year. So I don't know if that'll impact and how much that'll impact.\n\nChannel 0: file. Perfect. So what that will do is the extra day will obviously lead to more contributions, so a bit higher in terms of invested amounts.\n\nChannel 1: Yep.\n\nChannel 0: And when I do that next review with you guys next year, I can update those details, if your income next financial year has changed significantly.\n\nChannel 1: Alright. Perfect. Easy as.\n\nChannel 0: In terms of assets and liabilities, we've got the mortgage, the home, the shares, the car, and the offset. I'm not sure if there's been any major, major changes. I know the market's kind of gone up and down a little bit in terms of the property side of things.\n\nChannel 1: No. Everything is pretty much exactly the same.\n\nChannel 0: Perfect. And then we've got your hub and your rest super funds listed there as well.\n\nChannel 1: Yes.\n\nChannel 0: Cool. If you swing through, you'll see the insurances. I finally did get some information about the Ali insurances, which\n\nChannel 1: Yes.\n\nChannel 0: was quite strange because they would send us details for one of you guys with the rest of it redacted for the other person, and they were kind of not sending through a holistic view of that joint policy.\n\nChannel 1: Yeah. They're a bit painful.\n\nChannel 0: Little bit. Little bit. But we did get the information there, so we are tracking that one.\n\nChannel 1: Perfect.\n\nChannel 0: And the rest insurance is there as well.\n\nChannel 1: Yep. Lovely.\n\nChannel 0: If you go past there, you'll see risk profile on the next two pages being high growth currently. We're not changing your risk profile. We're just\n\nChannel 1: Yep.\n\nChannel 0: dealing with the underlying investments at this point.\n\nChannel 1: Yep. Beautiful.\n\nChannel 0: This one's a little bit text heavy, but if you go to pages twelve and thirteen, you'll see strategy recommendations.\n\nChannel 1: Yep. Got it.\n\nChannel 0: So what we're essentially recommending is to update the investments within both funds just to be in line with the risk profile and also do a bit of a top up rollover from rest into hub and just maintain that minimum for the insurances still.\n\nChannel 1: Yep. Beautiful.\n\nChannel 0: Now what this essentially says is that we've had to factor in things like brokerage fees, capital gains tax inside the super, and try to make sure that we're lowering your investment costs, improving the performance, and not including any fees that are too high to warrant not changing any investments. If you go on the\n\nChannel 1: Okay. Perfect.\n\nChannel 0: next page so, again, I haven't projected you out to retirement just because it's so many years away.\n\nChannel 1: Oh, yeah. That\n\nChannel 0: I can't\n\nChannel 1: happened\n\nChannel 0: really\n\nChannel 1: in time soon.\n\nChannel 0: yeah. I can't accurately go decades and decades with any any uncertainty, but ten years is what we've put in this document.\n\nChannel 1: Yes.\n\nChannel 0: If you swing past there, last couple of sort of text heavy pages on fourteen and fifteen, you'll see advantages and disadvantages in a bit of a table there.\n\nChannel 1: Yeah. That's the\n\nChannel 0: So the main thing with all of our portfolios that we put together is brokerage fees because we use ETFs. And, essentially,\n\nChannel 1: yes.\n\nChannel 0: there's a that 0.11% you've gotta do to purchase them. Once you've got them, they're kind of the lowest fee investments going forward.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Cool. If you go past there, some usual warnings. We can't control the stock market in the world. If there's,\n\nChannel 1: Yep.\n\nChannel 0: you know, wars and financial crises, that'll impact things. But we do factor in a bit of a long term average because, you know, every five to seven years, there's something going on, and we need to make sure you still get there regardless.\n\nChannel 1: Perfect.\n\nChannel 0: Awesome. Now into the sort of detail side of things, you'll see projections and fee comparison on page sixteen, seventeen. You should see a blue\n\nChannel 1: Yep.\n\nChannel 0: table there.\n\nChannel 1: Yeah. I got them.\n\nChannel 0: So good news for you is that with all of the investments, which is we're looking to do, it only came out to be about $238 in terms of capital gains tax inside\n\nChannel 1: Beautiful.\n\nChannel 0: the super from switching everything out.\n\nChannel 1: K.\n\nChannel 0: Now I was expecting a few thousand that came out really good, and we're dropping the investment fees by about the same amount, and it's percentage based. So the larger your balance grows, the more fee savings there will be. The admin fees go up a little bit because obviously, hub twenty four is a bit more expensive than rest.\n\nChannel 1: Yep.\n\nChannel 0: Long average. So this one was a bit strange. I have kind of split the performance on the next page for you, but the long term average goes from about 5% to 11, And that's a combination of what REST was doing plus a couple of options inside Hub that weren't doing too well that we're switching out for both of those. So\n\nChannel 1: Okay.\n\nChannel 0: it's a\n\nChannel 1: Perfect.\n\nChannel 0: pretty large impact to get you back up into the double digits.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Projections wise, bit of a grain of salt. We're thinking over the next ten years, an additional 50,000 in your balance is pretty accurate for\n\nChannel 1: Yep.\n\nChannel 0: the performance and fees and everything all is said and done. Obviously, not factoring in additional work hours.\n\nChannel 1: Yeah. Yeah. That's very good.\n\nChannel 0: On the next page, you'll see that full breakdown, and that's really just showing you the combined balances where it was and where it's going to and then a split between the old hub twenty four portfolio, the new one, the old rest portfolio, the new one. And\n\nChannel 1: Yep.\n\nChannel 0: what I'm basically trying to do is trying to get as many of them in line with double digit consistency across all time periods. Rest is a little bit behind in five and ten years, but it's not too bad. I would prefer prefer you to keep them in a high growth option for as long\n\nChannel 1: Yes.\n\nChannel 0: as you can rather than keeping it in the current growth option.\n\nChannel 1: So how do I do I just have to contact the rest and say move me to high grade? Is that how that works? Or\n\nChannel 0: So you can do it online, but we can fill out, like, an investment switch form, send it through to you, like, prefilled with some forward on envelopes, which if that's helpful, unless\n\nChannel 1: that'll\n\nChannel 0: you're\n\nChannel 1: be\n\nChannel 0: comfortable\n\nChannel 1: great.\n\nChannel 0: yeah. That'll\n\nChannel 1: Because\n\nChannel 0: be good.\n\nChannel 1: I actually\n\nChannel 0: I'll\n\nChannel 1: don't know what my password or anything is. So\n\nChannel 0: fair enough. So I'll get the team to prefill that along with it. Everything\n\nChannel 1: thank\n\nChannel 0: relating\n\nChannel 1: you.\n\nChannel 0: to hub in terms of rollovers and switches, we do online because we've got transaction access, and rest would just be a form.\n\nChannel 1: Perfect. Beautiful. Thank you.\n\nChannel 0: Alrighty. Past there, so last two tables for you is investments, red heading on pages eighteen and nineteen. Should be quite a lot of figures on there.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So can you make any of these figures out? Is it blurry? Is it clear?\n\nChannel 1: Alright. That is so clear. I just have no idea what her name it means.\n\nChannel 0: Cool. So the top few rows basically just says we wanna sell out of the growth fund in rest and move it to the high growth.\n\nChannel 1: Yep.\n\nChannel 0: That includes a partial rollover to Hub '24, and the remaining 8,000 will go into that new option as well as your contributions.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Cool. In terms of the Hub portfolio, the easiest way to understand this is in that second last column under target weight percentages, you'll see all the ones with zero that we're selling out of and all the ones with round figures that we're either rebalancing back to where they should be or the ones that we're including on the next page. We've\n\nChannel 1: Okay.\n\nChannel 0: added\n\nChannel 1: Perfect. Yeah.\n\nChannel 0: five options for you. Basically, need to add in a bit of gold for some alternatives. We're switching out some of the term deposits because the government's phasing a certain type of them out called a bank hybrid. I need to get that switched out. Bennelong was the underperformer, so I'm switching that out with a low fee index fund and\n\nChannel 1: Yep.\n\nChannel 0: a little few extra satellites there as well.\n\nChannel 1: Alright. Perfect.\n\nChannel 0: Now the last table for you is on page 20 slash 21. You'll see a pie chart\n\nChannel 1: Yep.\n\nChannel 0: there for your asset allocation.\n\nChannel 1: Yep. Got it.\n\nChannel 0: So long story short, 90 to a 100% of your funds should be in growth assets, like shares, property, and goals to be\n\nChannel 1: Yeah.\n\nChannel 0: high growth. You're sitting at just shy of 84. Once we switch both portfolios around and do the rollover, you'll be up to about 93 and a half. It'll\n\nChannel 1: Beautiful.\n\nChannel 0: fluctuate between there over time.\n\nChannel 1: Yep. Beautiful.\n\nChannel 0: Cool. Just bear in mind too that given the way the world is at the moment, it's gonna be quite the roller coaster ride. It's gonna be going up and down quite a bit. And,\n\nChannel 1: Oh, yeah. I don't expect anything stable at all at the moment. Okay.\n\nChannel 0: yeah, it could be going up 10%, one month down 20% the next few months and then back up 50. It could be all over the shop.\n\nChannel 1: Yeah. That's yeah. I don't expect anything stable at all.\n\nChannel 0: We will aim for the long term averages like we normally do over five, seven, and ten years to try and hit those double digits. And then when you're closer to retirement, we'll start to scale back the risk to protect it once it's built.\n\nChannel 1: Yep. Yep. Beautiful.\n\nChannel 0: Awesome. So I know that was a bit of a flash info dump, but\n\nChannel 1: That's\n\nChannel 0: does it\n\nChannel 1: all.\n\nChannel 0: make sense\n\nChannel 1: That makes\n\nChannel 0: what we're\n\nChannel 1: sense.\n\nChannel 0: doing?\n\nChannel 1: So yeah. Yeah. It all makes sense. Yep.\n\nChannel 0: Cool. Any questions for me at this point?\n\nChannel 1: No. Nothing.\n\nChannel 0: Alrighty.\n\nChannel 1: Pretty straightforward, which\n\nChannel 0: After that,\n\nChannel 1: is good.\n\nChannel 0: pretty well just lets you know why you should have a will in place after\n\nChannel 1: Yes.\n\nChannel 0: that, power of attorney as well. I know you can get some basic kits from Australia Post to the government approved, and we do have, like, some lawyers that we do know that do some slight discounts to do them online if you would like us to send one of those through unless you've still got those will kits.\n\nChannel 1: I've still got the little kids literally just sitting in my study. I just\n\nChannel 0: Yeah.\n\nChannel 1: have\n\nChannel 0: Okay.\n\nChannel 1: to open it and do it.\n\nChannel 0: Perfect. We've reiterated the advice fees towards the back, and there is a consent form at the bottom.\n\nChannel 1: Yep.\n\nChannel 0: Second last page to consent. So with this whole package, there is a bit of a box that you can fill in some text if you wanna change any of the recommendations. If not, you basically just type in NA and then just sign end date. I will get the forms drafted up once we get this back signed. We have included you guys are still on the partner fee discount with us of 1.1\n\nChannel 1: Oh,\n\nChannel 0: percent. So I've included that\n\nChannel 1: perfect.\n\nChannel 0: updated consent form as well.\n\nChannel 1: Beautiful.\n\nChannel 0: Now have you used this system before?\n\nChannel 1: I believe so. I wanna say\n\nChannel 0: Cool. So the only reminder here is that when you go there's, like, a begin button that brings you to the spots to sign.\n\nChannel 1: yes.\n\nChannel 0: What'll basically happen is you sign the authority to proceed here. You'll then move over to the next document, which is the appendix, which is not signable. It's a skip and then the consent form to sign. After that, there's just four more documents to kind of skip through and then validate at the end.\n\nChannel 1: Perfect. K. I think I'm halfway through, I think. And the keywords here. Well, I have to go over the documents.\n\nChannel 0: Yep. Thankfully, you don't have to scroll through the bottom of them all because, again, once you get that investment menu, 491 pages, you don't have to read all the investment options.\n\nChannel 1: No. Thank you. I'll just press validate. So, hopefully, that goes through and delete\n\nChannel 0: Yeah. And\n\nChannel 1: stuff\n\nChannel 0: it\n\nChannel 1: up\n\nChannel 0: should\n\nChannel 1: on\n\nChannel 0: do\n\nChannel 1: me.\n\nChannel 0: the old spinning circle for a moment while it loads, which can\n\nChannel 1: Yeah.\n\nChannel 0: take a moment just because of the amount of pages.\n\nChannel 1: Yeah. That's all good. I hate the spinning circle. It makes me panic every time I see it.\n\nChannel 0: That is gonna\n\nChannel 1: I'm\n\nChannel 0: crash\n\nChannel 1: like,\n\nChannel 0: and not work?\n\nChannel 1: yeah. Are you gonna crash again on me? Do you hate me? What's the go here?\n\nChannel 0: Yep. Yep. From here, so I'll obviously put in for, like, a next annual review next year as well.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Is there\n\nChannel 1: Yep.\n\nChannel 0: anything that you would like me to pencil in for this side of Christmas or in the New Year to discuss\n\nChannel 1: No. I think everything's pretty straightforward. Like, the fact that you guys handle it all makes it so much easier for\n\nChannel 0: with\n\nChannel 1: me.\n\nChannel 0: you guys? I'm glad.\n\nChannel 1: But yeah. And I've got no real questions. Like, I'm going to have 24, and I've seen everything. And, yeah, it looks good,\n\nChannel 0: Cool. Alrighty. I'll just give this a little refresh and see if it pops through, and just let me know once that circle alleviates your stress there.\n\nChannel 1: essentially. It just said it's still loading. Please be patient. That stresses me at more.\n\nChannel 0: Makes it\n\nChannel 1: That's\n\nChannel 0: more\n\nChannel 1: what\n\nChannel 0: awkward.\n\nChannel 1: it does.\n\nChannel 0: You\n\nChannel 1: Yeah.\n\nChannel 0: mean\n\nChannel 1: It makes\n\nChannel 0: to be\n\nChannel 1: it\n\nChannel 0: patient?\n\nChannel 1: even\n\nChannel 0: Should\n\nChannel 1: worse.\n\nChannel 0: I reset the computer?\n\nChannel 1: Yeah. I'm like, do I do something? Like, why are you still loading?\n\nChannel 0: Just while that's doing that, I'm gonna quickly check ID on file because we may need some updated ID to certify. I'll just quickly see when yours was expiring.\n\nChannel 1: Yep. That's probably due for an update.\n\nChannel 0: Yeah. We've had some changes to, like, anti money laundering legislation where there's a few extra checks that we need to do and just make sure that\n\nChannel 1: Okay.\n\nChannel 0: it's always kind of valid on file. Let's\n\nChannel 1: Yeah.\n\nChannel 0: have a\n\nChannel 1: Cool.\n\nChannel 0: look.\n\nChannel 1: It's getting done. Of course. I went through. How are you?\n\nChannel 0: Yep. That's come through on our end. You should get a copy of those. And\n\nChannel 1: Yep.\n\nChannel 0: the last\n\nChannel 1: Got\n\nChannel 0: one\n\nChannel 1: it.\n\nChannel 0: I've got was September of last year, which I'm assuming has not expired. Let's have a look. See. Sorry.\n\nChannel 1: That's all\n\nChannel 0: Okay. I'm trying to make it out as best I can. It looks\n\nChannel 1: good.\n\nChannel 0: like February 2028 on the license system, kind of a bit blurry on the screenshot I can see, but it should be valid for another year and a half.\n\nChannel 1: Okay. Perfect. I'm just\n\nChannel 0: Amazing, Daniel.\n\nChannel 1: gonna double check it on my side as well to make sure. I think it is 20\n\nChannel 0: Cool.\n\nChannel 1: 28 from memory.\n\nChannel 0: Mhmm. Alrighty.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: 20\n\nChannel 0: that's all\n\nChannel 1: 28.\n\nChannel 0: perfect.\n\nChannel 1: It's all good.\n\nChannel 0: Amazing. Is there anything else I can help you with before I let you go for your week?\n\nChannel 1: Now oh, could you just send that high growth transfer form to me, and I will just fill that in and send it off, and that's done, isn't it?\n\nChannel 0: Yeah. That's right. So if it's easy for you, we can kind of post one out with a forward on envelope unless you're comfortable kind of printing and scanning and emailing. What would\n\nChannel 1: Yes.\n\nChannel 0: you prefer?\n\nChannel 1: That's all good. Yeah. As long as I've got one that I can just sort of just sign and away it goes and yeah. That's I can forward it on any of the others. No problem.\n\nChannel 0: Alrighty. I'll let the team know to send it digitally. And if you run into any trouble at all, just give us a call.\n\nChannel 1: Will do. Perfect. Thank you so much for that. I really appreciate it.\n\nChannel 0: No worries. Thank you so much for your time, and have a fantastic week.\n\nChannel 1: You too enjoy the warm weather better than what we have.\n\nChannel 0: I will. I'm going straight for a sun walk right now. Thank\n\nChannel 1: Oh,\n\nChannel 0: you.\n\nChannel 1: beautiful. Just take the whole day off the whole afternoon.\n\nChannel 0: No. Going till 07:00 tonight, so I'll be\n\nChannel 1: Oh,\n\nChannel 0: back.\n\nChannel 1: that's just painful. Okay. Alright.\n\nChannel 0: Alright,\n\nChannel 1: Thank you\n\nChannel 0: Daniel.\n\nChannel 1: so much\n\nChannel 0: See\n\nChannel 1: for\n\nChannel 0: you\n\nChannel 1: that.\n\nChannel 0: later.\n\nChannel 1: Really appreciate it.\n\nChannel 0: No worries. Bye.\n\nChannel 1: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.71999997,"end":1.22,"sentiment":"neutral","sentiment_score":0.030560653656721115}],"sentiment":"neutral","sentiment_score":0.030560653656721115,"channel":1,"num_words":1,"start":0.71999997,"end":1.22},{"sentences":[{"text":"Good afternoon, Daniella.","start":2.3999999,"end":3.84,"sentiment":"neutral","sentiment_score":0.25100477039813995},{"text":"It's Tommy here from Oakview.","start":3.84,"end":5.12,"sentiment":"neutral","sentiment_score":0.1808468669652939},{"text":"How are you doing?","start":5.12,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.19588744640350342}],"sentiment":"neutral","sentiment_score":0.20339986930290857,"channel":0,"num_words":12,"start":2.3999999,"end":5.8599997},{"sentences":[{"text":"Good.","start":6.0,"end":6.3199997,"sentiment":"positive","sentiment_score":0.43308568000793457},{"text":"Thank you.","start":6.3199997,"end":6.64,"sentiment":"positive","sentiment_score":0.5545751452445984},{"text":"How are you?","start":6.64,"end":7.46,"sentiment":"neutral","sentiment_score":0.30735549330711365}],"sentiment":"positive","sentiment_score":0.41071707506974536,"channel":1,"num_words":6,"start":6.0,"end":7.46},{"sentences":[{"text":"I'm doing absolutely fantastic.","start":7.44,"end":9.139999,"sentiment":"positive","sentiment_score":0.7279832363128662},{"text":"It's a beautiful overcast down in the Gold Coast.","start":9.2,"end":11.28,"sentiment":"positive","sentiment_score":0.5346815685431162},{"text":"What about your end?","start":11.28,"end":12.42,"sentiment":"neutral","sentiment_score":0.12085891142487526}],"sentiment":"positive","sentiment_score":0.4827942769317066,"channel":0,"num_words":17,"start":7.44,"end":12.42},{"sentences":[{"text":"Oh, it's raining as per usual.","start":12.719999,"end":15.235001,"sentiment":"neutral","sentiment_score":0.038733166021605335}],"sentiment":"neutral","sentiment_score":0.038733166021605335,"channel":1,"num_words":6,"start":12.719999,"end":15.235001},{"sentences":[{"text":"Both having a fantastic time.","start":15.595,"end":17.455,"sentiment":"positive","sentiment_score":0.46879781484603883}],"sentiment":"positive","sentiment_score":0.46879781484603883,"channel":0,"num_words":5,"start":15.595,"end":17.455},{"sentences":[{"text":"Yes.","start":17.855,"end":18.095001,"sentiment":"neutral","sentiment_score":0.3187762498855591},{"text":"Wonderful.","start":18.095001,"end":18.595001,"sentiment":"positive","sentiment_score":0.5754889249801636}],"sentiment":"positive","sentiment_score":0.44713258743286133,"channel":1,"num_words":2,"start":17.855,"end":18.595001},{"sentences":[{"text":"I have an updated advice strategy to send through to you.","start":19.835,"end":23.515,"sentiment":"neutral","sentiment_score":0.23015038669109344},{"text":"Do you still have","start":23.515,"end":24.154999,"sentiment":"neutral","sentiment_score":0.035199844278395176}],"sentiment":"neutral","sentiment_score":0.17816357538104058,"channel":0,"num_words":15,"start":19.835,"end":24.154999},{"sentences":[{"text":"Yep.","start":24.095001,"end":24.595001,"sentiment":"neutral","sentiment_score":0.05309048295021057}],"sentiment":"neutral","sentiment_score":0.05309048295021057,"channel":1,"num_words":1,"start":24.095001,"end":24.595001},{"sentences":[{"text":"a bit of time for me today?","start":24.154999,"end":25.615,"sentiment":"neutral","sentiment_score":0.06537000994597163}],"sentiment":"neutral","sentiment_score":0.06537000994597163,"channel":0,"num_words":7,"start":24.154999,"end":25.615},{"sentences":[{"text":"Yeah.","start":25.695,"end":25.935001,"sentiment":"neutral","sentiment_score":0.1752488911151886},{"text":"That's all good.","start":25.935001,"end":26.915,"sentiment":"positive","sentiment_score":0.40646157662073773}],"sentiment":"positive","sentiment_score":0.34865840524435043,"channel":1,"num_words":4,"start":25.695,"end":26.915},{"sentences":[{"text":"Perfect.","start":27.115,"end":27.615,"sentiment":"positive","sentiment_score":0.4028841257095337},{"text":"So while I pop that through to your email, I'm just gonna do","start":27.94,"end":31.140001,"sentiment":"neutral","sentiment_score":0.12309653082719216}],"sentiment":"neutral","sentiment_score":0.1430813590330737,"channel":0,"num_words":14,"start":27.115,"end":31.140001},{"sentences":[{"text":"Mhmm.","start":31.07,"end":31.57,"sentiment":"neutral","sentiment_score":0.0948515087366104}],"sentiment":"neutral","sentiment_score":0.0948515087366104,"channel":1,"num_words":1,"start":31.07,"end":31.57},{"sentences":[{"text":"a quick security check with you.","start":31.140001,"end":33.0,"sentiment":"neutral","sentiment_score":0.08629877430697282}],"sentiment":"neutral","sentiment_score":0.08629877430697282,"channel":0,"num_words":6,"start":31.140001,"end":33.0},{"sentences":[{"text":"Yeah.","start":33.149998,"end":33.39,"sentiment":"neutral","sentiment_score":0.13676872849464417},{"text":"All good.","start":33.39,"end":34.129997,"sentiment":"neutral","sentiment_score":0.18721090257167816}],"sentiment":"neutral","sentiment_score":0.17039684454600015,"channel":1,"num_words":3,"start":33.149998,"end":34.129997},{"sentences":[{"text":"If you recall your client password with Oakview","start":33.7,"end":36.58,"sentiment":"neutral","sentiment_score":0.02947342931292951}],"sentiment":"neutral","sentiment_score":0.02947342931292951,"channel":0,"num_words":8,"start":33.7,"end":36.58},{"sentences":[{"text":"Oh, god.","start":37.71,"end":38.37,"sentiment":"neutral","sentiment_score":0.025455295108258724},{"text":"Is it Lexi, by any chance?","start":39.07,"end":40.85,"sentiment":"neutral","sentiment_score":0.03049018109838168}],"sentiment":"neutral","sentiment_score":0.02923145960085094,"channel":1,"num_words":8,"start":37.71,"end":40.85},{"sentences":[{"text":"it is.","start":41.06,"end":41.865,"sentiment":"neutral","sentiment_score":0.04513395205140114}],"sentiment":"neutral","sentiment_score":0.04513395205140114,"channel":0,"num_words":2,"start":41.06,"end":41.865},{"sentences":[{"text":"Oh,","start":42.35,"end":42.59,"sentiment":"neutral","sentiment_score":0.03248251974582672}],"sentiment":"neutral","sentiment_score":0.03248251974582672,"channel":1,"num_words":1,"start":42.35,"end":42.59},{"sentences":[{"text":"I","start":42.505,"end":42.745003,"sentiment":"neutral","sentiment_score":0.032298631966114044}],"sentiment":"neutral","sentiment_score":0.032298631966114044,"channel":0,"num_words":1,"start":42.505,"end":42.745003},{"sentences":[{"text":"god.","start":42.59,"end":43.09,"sentiment":"neutral","sentiment_score":0.03258530795574188}],"sentiment":"neutral","sentiment_score":0.03258530795574188,"channel":1,"num_words":1,"start":42.59,"end":43.09},{"sentences":[{"text":"didn't have a a password prompt there, so I was gonna","start":42.745003,"end":45.145,"sentiment":"neutral","sentiment_score":0.03887863829731941}],"sentiment":"neutral","sentiment_score":0.03887863829731941,"channel":0,"num_words":11,"start":42.745003,"end":45.145},{"sentences":[{"text":"Oh,","start":45.015,"end":45.515,"sentiment":"neutral","sentiment_score":0.033818960189819336}],"sentiment":"neutral","sentiment_score":0.033818960189819336,"channel":1,"num_words":1,"start":45.015,"end":45.515},{"sentences":[{"text":"switch over to 3Point.","start":45.145,"end":46.345,"sentiment":"neutral","sentiment_score":0.04296690970659256},{"text":"But, yes, it is Lexi.","start":46.345,"end":47.725002,"sentiment":"neutral","sentiment_score":0.11763555109500885}],"sentiment":"neutral","sentiment_score":0.08444948825571272,"channel":0,"num_words":9,"start":45.145,"end":47.725002},{"sentences":[{"text":"perfect.","start":48.375,"end":48.875,"sentiment":"positive","sentiment_score":0.4939996600151062}],"sentiment":"positive","sentiment_score":0.4939996600151062,"channel":1,"num_words":1,"start":48.375,"end":48.875},{"sentences":[{"text":"Amazing.","start":49.705,"end":50.105003,"sentiment":"positive","sentiment_score":0.4222153723239898},{"text":"Do you want me to add a prompt down just in case if you ever forget, or do you think you'll always remember?","start":50.105003,"end":54.36,"sentiment":"neutral","sentiment_score":0.10926769123129222}],"sentiment":"neutral","sentiment_score":0.12230717794348796,"channel":0,"num_words":24,"start":49.705,"end":54.36},{"sentences":[{"text":"No.","start":54.454998,"end":54.775,"sentiment":"neutral","sentiment_score":-0.00915852189064026},{"text":"She's pretty much just my go to easy prompts password thing","start":54.775,"end":59.754997,"sentiment":"neutral","sentiment_score":0.018485388803211125}],"sentiment":"neutral","sentiment_score":0.01618172957872351,"channel":1,"num_words":12,"start":54.454998,"end":59.754997},{"sentences":[{"text":"I'm","start":60.440002,"end":60.68,"sentiment":"neutral","sentiment_score":0.003332279622554779}],"sentiment":"neutral","sentiment_score":0.003332279622554779,"channel":0,"num_words":1,"start":60.440002,"end":60.68},{"sentences":[{"text":"that","start":60.56,"end":60.8,"sentiment":"neutral","sentiment_score":0.014016546308994291}],"sentiment":"neutral","sentiment_score":0.014016546308994291,"channel":1,"num_words":1,"start":60.56,"end":60.8},{"sentences":[{"text":"gonna","start":60.68,"end":60.920002,"sentiment":"neutral","sentiment_score":0.00028038211166858673}],"sentiment":"neutral","sentiment_score":0.00028038211166858673,"channel":0,"num_words":1,"start":60.68,"end":60.920002},{"sentences":[{"text":"I use","start":60.8,"end":61.12,"sentiment":"neutral","sentiment_score":0.020838407799601555}],"sentiment":"neutral","sentiment_score":0.020838407799601555,"channel":1,"num_words":2,"start":60.8,"end":61.12},{"sentences":[{"text":"write","start":60.920002,"end":61.16,"sentiment":"neutral","sentiment_score":0.031566321849823}],"sentiment":"neutral","sentiment_score":0.031566321849823,"channel":0,"num_words":1,"start":60.920002,"end":61.16},{"sentences":[{"text":"all","start":61.12,"end":61.36,"sentiment":"neutral","sentiment_score":0.03542758896946907}],"sentiment":"neutral","sentiment_score":0.03542758896946907,"channel":1,"num_words":1,"start":61.12,"end":61.36},{"sentences":[{"text":"that down.","start":61.16,"end":61.64,"sentiment":"neutral","sentiment_score":0.027048863470554352}],"sentiment":"neutral","sentiment_score":0.027048863470554352,"channel":0,"num_words":2,"start":61.16,"end":61.64},{"sentences":[{"text":"the time,","start":61.36,"end":61.68,"sentiment":"neutral","sentiment_score":0.023439062759280205}],"sentiment":"neutral","sentiment_score":0.023439062759280205,"channel":1,"num_words":2,"start":61.36,"end":61.68},{"sentences":[{"text":"Go","start":61.64,"end":61.88,"sentiment":"neutral","sentiment_score":0.05404387786984444}],"sentiment":"neutral","sentiment_score":0.05404387786984444,"channel":0,"num_words":1,"start":61.64,"end":61.88},{"sentences":[{"text":"so it's","start":61.68,"end":62.0,"sentiment":"neutral","sentiment_score":0.053253691643476486}],"sentiment":"neutral","sentiment_score":0.053253691643476486,"channel":1,"num_words":2,"start":61.68,"end":62.0},{"sentences":[{"text":"to","start":61.88,"end":62.28,"sentiment":"neutral","sentiment_score":0.06766527891159058}],"sentiment":"neutral","sentiment_score":0.06766527891159058,"channel":0,"num_words":1,"start":61.88,"end":62.28},{"sentences":[{"text":"easy.","start":62.0,"end":62.5,"sentiment":"neutral","sentiment_score":0.06699105352163315}],"sentiment":"neutral","sentiment_score":0.06699105352163315,"channel":1,"num_words":1,"start":62.0,"end":62.5},{"sentences":[{"text":"easy prompt password thing.","start":62.28,"end":64.14,"sentiment":"neutral","sentiment_score":0.031082906294614077}],"sentiment":"neutral","sentiment_score":0.031082906294614077,"channel":0,"num_words":4,"start":62.28,"end":64.14},{"sentences":[{"text":"Yeah.","start":64.24,"end":64.64,"sentiment":"neutral","sentiment_score":0.07677291333675385},{"text":"Cool.","start":64.64,"end":65.14,"sentiment":"neutral","sentiment_score":0.16058731079101562}],"sentiment":"neutral","sentiment_score":0.11868011206388474,"channel":1,"num_words":2,"start":64.24,"end":65.14},{"sentences":[{"text":"That'll work.","start":65.72,"end":66.675,"sentiment":"neutral","sentiment_score":0.1452130824327469},{"text":"Now are you okay for this call to be recorded?","start":66.915,"end":69.015,"sentiment":"neutral","sentiment_score":0.04794051088392735}],"sentiment":"neutral","sentiment_score":0.06415260614206393,"channel":0,"num_words":12,"start":65.72,"end":69.015},{"sentences":[{"text":"Yeah.","start":69.36,"end":69.68,"sentiment":"neutral","sentiment_score":0.08404482901096344},{"text":"All good and extra.","start":69.68,"end":70.74,"sentiment":"neutral","sentiment_score":0.21776549890637398}],"sentiment":"neutral","sentiment_score":0.19102136492729188,"channel":1,"num_words":5,"start":69.36,"end":70.74},{"sentences":[{"text":"Perfect.","start":71.315,"end":71.815,"sentiment":"positive","sentiment_score":0.335462749004364},{"text":"Now I've sent that through to your Gmail account.","start":71.875,"end":75.015,"sentiment":"neutral","sentiment_score":0.11462439513868755},{"text":"Will you be able to look onto the document with me today, or should I just kinda","start":75.235,"end":78.435005,"sentiment":"neutral","sentiment_score":0.056208078146857375}],"sentiment":"neutral","sentiment_score":0.08602294939811583,"channel":0,"num_words":27,"start":71.315,"end":78.435005},{"sentences":[{"text":"Yeah.","start":78.155,"end":78.555,"sentiment":"neutral","sentiment_score":0.03680301830172539}],"sentiment":"neutral","sentiment_score":0.03680301830172539,"channel":1,"num_words":1,"start":78.155,"end":78.555},{"sentences":[{"text":"walk","start":78.435005,"end":78.595,"sentiment":"neutral","sentiment_score":0.03614412248134613}],"sentiment":"neutral","sentiment_score":0.03614412248134613,"channel":0,"num_words":1,"start":78.435005,"end":78.595},{"sentences":[{"text":"It's","start":78.555,"end":79.055,"sentiment":"neutral","sentiment_score":0.0414111502468586}],"sentiment":"neutral","sentiment_score":0.0414111502468586,"channel":1,"num_words":1,"start":78.555,"end":79.055},{"sentences":[{"text":"you through it?","start":78.595,"end":79.415,"sentiment":"neutral","sentiment_score":0.04112770532568296}],"sentiment":"neutral","sentiment_score":0.04112770532568296,"channel":0,"num_words":3,"start":78.595,"end":79.415},{"sentences":[{"text":"just opening up.","start":79.674995,"end":81.454994,"sentiment":"neutral","sentiment_score":0.036933887749910355},{"text":"I just have to sign","start":82.155,"end":82.954994,"sentiment":"neutral","sentiment_score":0.07509959489107132}],"sentiment":"neutral","sentiment_score":0.06078745471313596,"channel":1,"num_words":8,"start":79.674995,"end":82.954994},{"sentences":[{"text":"Beautiful.","start":82.75,"end":83.25,"sentiment":"neutral","sentiment_score":0.1854490041732788}],"sentiment":"neutral","sentiment_score":0.1854490041732788,"channel":0,"num_words":1,"start":82.75,"end":83.25},{"sentences":[{"text":"it.","start":82.954994,"end":83.115,"sentiment":"neutral","sentiment_score":0.14328983426094055},{"text":"Easy.","start":83.115,"end":83.615,"sentiment":"neutral","sentiment_score":0.12838703393936157}],"sentiment":"neutral","sentiment_score":0.13583843410015106,"channel":1,"num_words":2,"start":82.954994,"end":83.615},{"sentences":[{"text":"No.","start":84.27,"end":84.509995,"sentiment":"neutral","sentiment_score":0.010929135605692863},{"text":"So when you hit that sign button, it'll actually bring open the documents to scroll through with it.","start":84.509995,"end":88.92999,"sentiment":"neutral","sentiment_score":0.019724678248167038}],"sentiment":"neutral","sentiment_score":0.019261754951194712,"channel":0,"num_words":19,"start":84.27,"end":88.92999},{"sentences":[{"text":"Beautiful.","start":89.009995,"end":89.509995,"sentiment":"neutral","sentiment_score":0.2423898279666901},{"text":"Yep.","start":89.57,"end":89.81,"sentiment":"neutral","sentiment_score":0.10189300775527954},{"text":"Got it.","start":89.81,"end":90.549995,"sentiment":"neutral","sentiment_score":0.12861911579966545}],"sentiment":"neutral","sentiment_score":0.15038026683032513,"channel":1,"num_words":4,"start":89.009995,"end":90.549995},{"sentences":[{"text":"Cool.","start":90.509995,"end":90.909996,"sentiment":"neutral","sentiment_score":0.13940370082855225},{"text":"So you should see that beachfront city Gold Coast picture.","start":90.909996,"end":94.13,"sentiment":"neutral","sentiment_score":0.10876639857888222}],"sentiment":"neutral","sentiment_score":0.11155160787430676,"channel":0,"num_words":11,"start":90.509995,"end":94.13},{"sentences":[{"text":"Yep.","start":94.53,"end":94.85,"sentiment":"neutral","sentiment_score":0.09355947375297546},{"text":"Got it.","start":94.85,"end":95.59,"sentiment":"neutral","sentiment_score":0.1801210418343544}],"sentiment":"neutral","sentiment_score":0.1512671858072281,"channel":1,"num_words":3,"start":94.53,"end":95.59},{"sentences":[{"text":"Amazing.","start":95.63,"end":96.13,"sentiment":"positive","sentiment_score":0.3566601872444153},{"text":"So just to let you know what's here, we're in a bit of an updated plan.","start":96.189995,"end":100.065,"sentiment":"neutral","sentiment_score":0.15697713196277618},{"text":"I've factored in everything that's been going on with government legislation changes, the markets, and all the discussions I've had with Dom as well just to","start":100.065,"end":107.665,"sentiment":"neutral","sentiment_score":0.15498930043899095}],"sentiment":"neutral","sentiment_score":0.16041897930378138,"channel":0,"num_words":43,"start":95.63,"end":107.665},{"sentences":[{"text":"Perfect.","start":107.645,"end":108.145,"sentiment":"neutral","sentiment_score":0.09901170432567596}],"sentiment":"neutral","sentiment_score":0.09901170432567596,"channel":1,"num_words":1,"start":107.645,"end":108.145},{"sentences":[{"text":"make sure what you've got is as up to date as can be.","start":107.665,"end":111.365005,"sentiment":"neutral","sentiment_score":0.06236389551598292}],"sentiment":"neutral","sentiment_score":0.06236389551598292,"channel":0,"num_words":13,"start":107.665,"end":111.365005},{"sentences":[{"text":"Yep.","start":111.805,"end":112.205,"sentiment":"neutral","sentiment_score":0.1876695603132248}],"sentiment":"neutral","sentiment_score":0.1876695603132248,"channel":1,"num_words":1,"start":111.805,"end":112.205},{"sentences":[{"text":"And","start":111.91,"end":112.41,"sentiment":"positive","sentiment_score":0.34432679414749146}],"sentiment":"positive","sentiment_score":0.34432679414749146,"channel":0,"num_words":1,"start":111.91,"end":112.41},{"sentences":[{"text":"Beautiful.","start":112.205,"end":112.705,"sentiment":"positive","sentiment_score":0.5182345509529114}],"sentiment":"positive","sentiment_score":0.5182345509529114,"channel":1,"num_words":1,"start":112.205,"end":112.705},{"sentences":[{"text":"in addition to the SOA, you also have, like, a consent form for Hub 24 and also just product documents for all the providers,","start":113.11,"end":122.310005,"sentiment":"neutral","sentiment_score":0.14984223743279776}],"sentiment":"neutral","sentiment_score":0.14984223743279776,"channel":0,"num_words":24,"start":113.11,"end":122.310005},{"sentences":[{"text":"Beautiful.","start":121.94,"end":122.44,"sentiment":"neutral","sentiment_score":0.08594371378421783}],"sentiment":"neutral","sentiment_score":0.08594371378421783,"channel":1,"num_words":1,"start":121.94,"end":122.44},{"sentences":[{"text":"which unfortunately is about 1,400 pages.","start":122.310005,"end":124.950005,"sentiment":"neutral","sentiment_score":-0.10936752085884412},{"text":"So these are just for your records.","start":124.950005,"end":126.555,"sentiment":"neutral","sentiment_score":-0.023871025336640223}],"sentiment":"neutral","sentiment_score":-0.06333094634688817,"channel":0,"num_words":13,"start":122.310005,"end":126.555},{"sentences":[{"text":"God.","start":126.98,"end":127.46,"sentiment":"neutral","sentiment_score":0.16355979442596436},{"text":"Yep.","start":127.46,"end":127.78,"sentiment":"neutral","sentiment_score":0.17778119444847107},{"text":"Cool.","start":127.78,"end":128.28,"sentiment":"positive","sentiment_score":0.3616997003555298}],"sentiment":"neutral","sentiment_score":0.2343468964099884,"channel":1,"num_words":3,"start":126.98,"end":128.28},{"sentences":[{"text":"Yeah.","start":128.475,"end":128.715,"sentiment":"neutral","sentiment_score":0.2120361328125},{"text":"So you don't have to read through them.","start":128.715,"end":129.915,"sentiment":"neutral","sentiment_score":0.17374649085104465},{"text":"They are skippable, but it will give you a copy as well.","start":129.915,"end":133.295,"sentiment":"neutral","sentiment_score":0.23309089243412018}],"sentiment":"neutral","sentiment_score":0.20948089375382378,"channel":0,"num_words":21,"start":128.475,"end":133.295},{"sentences":[{"text":"Lovely.","start":133.655,"end":134.155,"sentiment":"positive","sentiment_score":0.625290036201477}],"sentiment":"positive","sentiment_score":0.625290036201477,"channel":1,"num_words":1,"start":133.655,"end":134.155},{"sentences":[{"text":"Perfect.","start":134.715,"end":135.035,"sentiment":"positive","sentiment_score":0.5543718934059143},{"text":"Now if you have a little scroll through to me on pages four and five, it'll be three on the bottom of the document, four on the Odoo system.","start":135.035,"end":145.14,"sentiment":"neutral","sentiment_score":0.11664097062472639},{"text":"You'll see a scope of advice.","start":145.52,"end":147.3,"sentiment":"neutral","sentiment_score":0.08694099262356758}],"sentiment":"neutral","sentiment_score":0.12385016659067737,"channel":0,"num_words":36,"start":134.715,"end":147.3},{"sentences":[{"text":"Yep.","start":148.35,"end":148.85,"sentiment":"neutral","sentiment_score":0.1087181195616722},{"text":"Got it.","start":148.91,"end":149.65,"sentiment":"neutral","sentiment_score":0.12504516541957855}],"sentiment":"neutral","sentiment_score":0.11960281680027644,"channel":1,"num_words":3,"start":148.35,"end":149.65},{"sentences":[{"text":"So what this document covers essentially is a review of the superannuation, and your sort of Northern Star guiding goal is a bit of a joint early retirement for you guys.","start":151.13501,"end":161.77501,"sentiment":"neutral","sentiment_score":0.12418024722606905},{"text":"So as we refine things over time, we'll continually sort of reanalyze how you're tracking for that ultimate retirement","start":161.77501,"end":164.195,"sentiment":"neutral","sentiment_score":0.13049565922272832}],"sentiment":"neutral","sentiment_score":0.12658010378479959,"channel":0,"num_words":50,"start":151.13501,"end":164.195},{"sentences":[{"text":"Yeah.","start":165.735,"end":166.235,"sentiment":"neutral","sentiment_score":0.11957520246505736}],"sentiment":"neutral","sentiment_score":0.11957520246505736,"channel":1,"num_words":1,"start":165.735,"end":166.235},{"sentences":[{"text":"goal.","start":166.095,"end":166.595,"sentiment":"neutral","sentiment_score":0.12153372168540956}],"sentiment":"neutral","sentiment_score":0.12153372168540956,"channel":0,"num_words":1,"start":166.095,"end":166.595},{"sentences":[{"text":"Perfect.","start":169.655,"end":170.155,"sentiment":"neutral","sentiment_score":0.28258949518203735}],"sentiment":"neutral","sentiment_score":0.28258949518203735,"channel":1,"num_words":1,"start":169.655,"end":170.155},{"sentences":[{"text":"Portfolios, weren't doing anything crazy in terms of additional contributions or anything like that right now.","start":174.06999,"end":181.825,"sentiment":"neutral","sentiment_score":0.013633989612571895}],"sentiment":"neutral","sentiment_score":0.013633989612571895,"channel":0,"num_words":16,"start":174.06999,"end":181.825},{"sentences":[{"text":"Yep.","start":181.98,"end":182.48,"sentiment":"neutral","sentiment_score":0.035368673503398895}],"sentiment":"neutral","sentiment_score":0.035368673503398895,"channel":1,"num_words":1,"start":181.98,"end":182.48},{"sentences":[{"text":"And we have a bit of reminder in there in terms of estate planning just to make sure we've got, you know, a will power of attorney in place.","start":182.125,"end":190.125,"sentiment":"neutral","sentiment_score":0.03524267288117573},{"text":"I believe you guys had some will kits previously.","start":190.125,"end":192.30501,"sentiment":"neutral","sentiment_score":-0.00016016647633579017},{"text":"Not sure if you guys finalized","start":192.445,"end":194.225,"sentiment":"neutral","sentiment_score":-0.020127362726877134}],"sentiment":"neutral","sentiment_score":0.020450723611495712,"channel":0,"num_words":44,"start":182.125,"end":194.225},{"sentences":[{"text":"We haven't","start":194.005,"end":194.405,"sentiment":"neutral","sentiment_score":-0.04175761993974447}],"sentiment":"neutral","sentiment_score":-0.04175761993974447,"channel":1,"num_words":2,"start":194.005,"end":194.405},{"sentences":[{"text":"those.","start":194.285,"end":194.64,"sentiment":"neutral","sentiment_score":-0.08205331116914749}],"sentiment":"neutral","sentiment_score":-0.08205331116914749,"channel":0,"num_words":1,"start":194.285,"end":194.64},{"sentences":[{"text":"done them.","start":194.405,"end":194.80501,"sentiment":"neutral","sentiment_score":-0.06975454092025757},{"text":"They're still just sitting there.","start":194.80501,"end":196.345,"sentiment":"neutral","sentiment_score":-0.04496857151389122}],"sentiment":"neutral","sentiment_score":-0.05205027705856732,"channel":1,"num_words":7,"start":194.405,"end":196.345},{"sentences":[{"text":"That's okay.","start":197.12,"end":197.6,"sentiment":"neutral","sentiment_score":0.08253008127212524},{"text":"It's always the way, and","start":197.6,"end":198.72,"sentiment":"neutral","sentiment_score":0.12705057114362717}],"sentiment":"neutral","sentiment_score":0.1143304311803409,"channel":0,"num_words":7,"start":197.12,"end":198.72},{"sentences":[{"text":"Terrible.","start":198.645,"end":199.145,"sentiment":"neutral","sentiment_score":0.1980407238006592}],"sentiment":"neutral","sentiment_score":0.1980407238006592,"channel":1,"num_words":1,"start":198.645,"end":199.145},{"sentences":[{"text":"it is just our our reminder.","start":198.72,"end":200.42,"sentiment":"neutral","sentiment_score":0.09396619598070781}],"sentiment":"neutral","sentiment_score":0.09396619598070781,"channel":0,"num_words":6,"start":198.72,"end":200.42},{"sentences":[{"text":"Yes.","start":201.365,"end":201.685,"sentiment":"neutral","sentiment_score":0.10828012228012084},{"text":"Beautiful.","start":201.685,"end":202.185,"sentiment":"neutral","sentiment_score":0.23548951745033264}],"sentiment":"neutral","sentiment_score":0.17188481986522675,"channel":1,"num_words":2,"start":201.365,"end":202.185},{"sentences":[{"text":"On the next page, limited scope.","start":203.6,"end":205.36,"sentiment":"neutral","sentiment_score":0.025388608531405527},{"text":"We weren't doing any insurance advice because of health concerns.","start":205.36,"end":209.785,"sentiment":"neutral","sentiment_score":-0.04712031297385692},{"text":"We're just keeping your rest cover in place, but this does factor in the premiums and the impact that they do have on the super.","start":209.785,"end":216.605,"sentiment":"neutral","sentiment_score":0.029583870247006417}],"sentiment":"neutral","sentiment_score":0.010261592137195715,"channel":0,"num_words":41,"start":203.6,"end":216.605},{"sentences":[{"text":"Yep.","start":217.19,"end":217.69,"sentiment":"neutral","sentiment_score":0.11936824023723602},{"text":"All good.","start":217.75,"end":218.445,"sentiment":"positive","sentiment_score":0.35488462448120117}],"sentiment":"neutral","sentiment_score":0.27637916306654614,"channel":1,"num_words":3,"start":217.19,"end":218.445},{"sentences":[{"text":"Cool.","start":218.425,"end":218.925,"sentiment":"neutral","sentiment_score":0.28063124418258667},{"text":"In terms of the other goals, we've got your cash flow, debt management, investment goals, and everything listed.","start":219.225,"end":222.72899,"sentiment":"neutral","sentiment_score":0.153270632856422},{"text":"You've got beneficiaries in place.","start":222.72899,"end":223.075,"sentiment":"neutral","sentiment_score":0.18096495568752288},{"text":"That's goals, and everything listed.","start":223.075,"end":226.25665,"sentiment":"neutral","sentiment_score":0.19562724530696868},{"text":"You've got beneficiaries in place.","start":226.25665,"end":227.63,"sentiment":"neutral","sentiment_score":0.247802996635437}],"sentiment":"neutral","sentiment_score":0.18121995952199488,"channel":0,"num_words":34,"start":218.425,"end":227.63},{"sentences":[{"text":"That's great.","start":227.63,"end":228.17,"sentiment":"positive","sentiment_score":0.48036038875579834},{"text":"Essentially, you guys are comfortable managing your your personal goals, which is obviously,","start":228.95,"end":233.91,"sentiment":"neutral","sentiment_score":0.25459932593198925}],"sentiment":"neutral","sentiment_score":0.28470080097516376,"channel":0,"num_words":15,"start":227.63,"end":233.91},{"sentences":[{"text":"Yep.","start":233.43999,"end":233.68,"sentiment":"neutral","sentiment_score":0.12171491980552672},{"text":"That's","start":233.68,"end":234.0,"sentiment":"neutral","sentiment_score":0.28213411569595337}],"sentiment":"neutral","sentiment_score":0.20192451775074005,"channel":1,"num_words":2,"start":233.43999,"end":234.0},{"sentences":[{"text":"you","start":233.91,"end":234.06999,"sentiment":"neutral","sentiment_score":0.2889512777328491}],"sentiment":"neutral","sentiment_score":0.2889512777328491,"channel":0,"num_words":1,"start":233.91,"end":234.06999},{"sentences":[{"text":"all","start":234.0,"end":234.23999,"sentiment":"neutral","sentiment_score":0.2545697093009949}],"sentiment":"neutral","sentiment_score":0.2545697093009949,"channel":1,"num_words":1,"start":234.0,"end":234.23999},{"sentences":[{"text":"know, holiday","start":234.06999,"end":234.47,"sentiment":"positive","sentiment_score":0.5168108344078064}],"sentiment":"positive","sentiment_score":0.5168108344078064,"channel":0,"num_words":2,"start":234.06999,"end":234.47},{"sentences":[{"text":"good.","start":234.23999,"end":234.73999,"sentiment":"positive","sentiment_score":0.5020405054092407}],"sentiment":"positive","sentiment_score":0.5020405054092407,"channel":1,"num_words":1,"start":234.23999,"end":234.73999},{"sentences":[{"text":"savings, debt repayments, mortgages, and so on,","start":234.47,"end":238.435,"sentiment":"neutral","sentiment_score":0.09434546477028302}],"sentiment":"neutral","sentiment_score":0.09434546477028302,"channel":0,"num_words":7,"start":234.47,"end":238.435},{"sentences":[{"text":"Yep.","start":238.31999,"end":238.81999,"sentiment":"neutral","sentiment_score":-0.015411177650094032}],"sentiment":"neutral","sentiment_score":-0.015411177650094032,"channel":1,"num_words":1,"start":238.31999,"end":238.81999},{"sentences":[{"text":"that's not covered in this document.","start":238.435,"end":240.135,"sentiment":"neutral","sentiment_score":-0.20572251826524734}],"sentiment":"neutral","sentiment_score":-0.20572251826524734,"channel":0,"num_words":6,"start":238.435,"end":240.135},{"sentences":[{"text":"Yep.","start":240.31999,"end":240.64,"sentiment":"neutral","sentiment_score":0.02508198842406273},{"text":"Okay.","start":240.64,"end":241.04,"sentiment":"neutral","sentiment_score":0.16484665870666504},{"text":"All good.","start":241.04,"end":241.78,"sentiment":"positive","sentiment_score":0.4627850651741028}],"sentiment":"neutral","sentiment_score":0.27887469436973333,"channel":1,"num_words":4,"start":240.31999,"end":241.78},{"sentences":[{"text":"Cool.","start":242.11499,"end":242.595,"sentiment":"positive","sentiment_score":0.3519640862941742},{"text":"And just out of curiosity, are you guys still planning after you pay down the mortgage to look towards investment properties?","start":242.595,"end":248.03499,"sentiment":"neutral","sentiment_score":0.026130106654905137},{"text":"Is kind of a a long, long term thing?","start":248.03499,"end":250.62999,"sentiment":"neutral","sentiment_score":0.006550712303982841}],"sentiment":"neutral","sentiment_score":0.0309565398962267,"channel":0,"num_words":31,"start":242.11499,"end":250.62999},{"sentences":[{"text":"Yes.","start":250.835,"end":251.235,"sentiment":"neutral","sentiment_score":0.02701548859477043}],"sentiment":"neutral","sentiment_score":0.02701548859477043,"channel":1,"num_words":1,"start":250.835,"end":251.235},{"sentences":[{"text":"Or","start":250.84999,"end":251.34999,"sentiment":"neutral","sentiment_score":0.0077934060245752335}],"sentiment":"neutral","sentiment_score":0.0077934060245752335,"channel":0,"num_words":1,"start":250.84999,"end":251.34999},{"sentences":[{"text":"More of a long long term than a anytime soon kind of goal,","start":251.235,"end":256.435,"sentiment":"neutral","sentiment_score":0.042960187706809774}],"sentiment":"neutral","sentiment_score":0.042960187706809774,"channel":1,"num_words":13,"start":251.235,"end":256.435},{"sentences":[{"text":"Yeah.","start":256.21,"end":256.61,"sentiment":"neutral","sentiment_score":0.08016403019428253}],"sentiment":"neutral","sentiment_score":0.08016403019428253,"channel":0,"num_words":1,"start":256.21,"end":256.61},{"sentences":[{"text":"but it","start":256.435,"end":256.675,"sentiment":"neutral","sentiment_score":0.1311536580324173}],"sentiment":"neutral","sentiment_score":0.1311536580324173,"channel":1,"num_words":2,"start":256.435,"end":256.675},{"sentences":[{"text":"Absolutely.","start":256.61,"end":257.11,"sentiment":"neutral","sentiment_score":0.3125789761543274}],"sentiment":"neutral","sentiment_score":0.3125789761543274,"channel":0,"num_words":1,"start":256.61,"end":257.11},{"sentences":[{"text":"is in there.","start":256.675,"end":257.495,"sentiment":"neutral","sentiment_score":0.2693294833103816}],"sentiment":"neutral","sentiment_score":0.2693294833103816,"channel":1,"num_words":3,"start":256.675,"end":257.495},{"sentences":[{"text":"Perfect.","start":258.13,"end":258.63,"sentiment":"positive","sentiment_score":0.5732544660568237},{"text":"I've essentially put down some priorities there just saying that, you know, you're doing some savings.","start":259.16998,"end":263.405,"sentiment":"neutral","sentiment_score":0.2816499453037977},{"text":"You're paying down your mortgage.","start":263.405,"end":264.525,"sentiment":"neutral","sentiment_score":0.17138910293579102},{"text":"The properties are probably your third priority,","start":264.525,"end":266.465,"sentiment":"neutral","sentiment_score":0.14350203424692154}],"sentiment":"neutral","sentiment_score":0.23934873604568943,"channel":0,"num_words":29,"start":258.13,"end":266.465},{"sentences":[{"text":"Yeah.","start":266.81,"end":267.13,"sentiment":"neutral","sentiment_score":0.07934516668319702}],"sentiment":"neutral","sentiment_score":0.07934516668319702,"channel":1,"num_words":1,"start":266.81,"end":267.13},{"sentences":[{"text":"and then","start":266.845,"end":267.505,"sentiment":"neutral","sentiment_score":0.053635526448488235}],"sentiment":"neutral","sentiment_score":0.053635526448488235,"channel":0,"num_words":2,"start":266.845,"end":267.505},{"sentences":[{"text":"Definitely.","start":267.13,"end":267.63,"sentiment":"neutral","sentiment_score":0.06588626652956009}],"sentiment":"neutral","sentiment_score":0.06588626652956009,"channel":1,"num_words":1,"start":267.13,"end":267.63},{"sentences":[{"text":"everything else comes after that.","start":267.645,"end":269.345,"sentiment":"neutral","sentiment_score":0.08399132639169693}],"sentiment":"neutral","sentiment_score":0.08399132639169693,"channel":0,"num_words":5,"start":267.645,"end":269.345},{"sentences":[{"text":"Yep.","start":269.45,"end":269.93002,"sentiment":"neutral","sentiment_score":0.23573094606399536},{"text":"Pretty much perfect.","start":269.93002,"end":270.91,"sentiment":"positive","sentiment_score":0.5661665201187134}],"sentiment":"positive","sentiment_score":0.4835576266050339,"channel":1,"num_words":4,"start":269.45,"end":270.91},{"sentences":[{"text":"Perfect.","start":271.245,"end":271.745,"sentiment":"positive","sentiment_score":0.4048549830913544},{"text":"If you scroll through, you'll see a red heading for limited advice warning saying exactly that.","start":272.045,"end":276.63,"sentiment":"neutral","sentiment_score":-0.05400159559212625},{"text":"It's not covering everything.","start":276.63,"end":277.85,"sentiment":"neutral","sentiment_score":-0.23288233950734138},{"text":"And if the information isn't accurate, that impacts the advice.","start":277.99,"end":281.53,"sentiment":"neutral","sentiment_score":-0.17749251425266266}],"sentiment":"neutral","sentiment_score":-0.10211693699802121,"channel":0,"num_words":31,"start":271.245,"end":281.53},{"sentences":[{"text":"Yep.","start":282.085,"end":282.405,"sentiment":"neutral","sentiment_score":0.07911297678947449},{"text":"Beautiful.","start":282.405,"end":282.905,"sentiment":"neutral","sentiment_score":0.3243153691291809}],"sentiment":"neutral","sentiment_score":0.2017141729593277,"channel":1,"num_words":2,"start":282.085,"end":282.905},{"sentences":[{"text":"In terms of your details, may need a little bit of updating here, but there's an about you section where we have you as a student counselor on about 41,000.","start":283.50998,"end":293.655,"sentiment":"neutral","sentiment_score":0.033667593635618685},{"text":"Still doing part time.","start":294.275,"end":295.655,"sentiment":"neutral","sentiment_score":0.02352260099723935}],"sentiment":"neutral","sentiment_score":0.032474065089927,"channel":0,"num_words":34,"start":283.50998,"end":295.655},{"sentences":[{"text":"Yes.","start":296.12,"end":296.43997,"sentiment":"neutral","sentiment_score":0.03094327822327614},{"text":"So I think it's, like, 45 now.","start":296.43997,"end":299.18,"sentiment":"neutral","sentiment_score":0.04566715045699051}],"sentiment":"neutral","sentiment_score":0.04382666642777622,"channel":1,"num_words":8,"start":296.12,"end":299.18},{"sentences":[{"text":"Perfect.","start":300.435,"end":300.935,"sentiment":"neutral","sentiment_score":0.23836387693881989},{"text":"So I'm gonna","start":301.155,"end":301.875,"sentiment":"neutral","sentiment_score":0.08353256434202194}],"sentiment":"neutral","sentiment_score":0.12224039249122143,"channel":0,"num_words":4,"start":300.435,"end":301.875},{"sentences":[{"text":"But","start":301.795,"end":302.035,"sentiment":"neutral","sentiment_score":0.05451563745737076}],"sentiment":"neutral","sentiment_score":0.05451563745737076,"channel":1,"num_words":1,"start":301.795,"end":302.035},{"sentences":[{"text":"add","start":301.875,"end":302.115,"sentiment":"neutral","sentiment_score":0.0435783751308918}],"sentiment":"neutral","sentiment_score":0.0435783751308918,"channel":0,"num_words":1,"start":301.875,"end":302.115},{"sentences":[{"text":"I'm","start":302.035,"end":302.195,"sentiment":"neutral","sentiment_score":0.045834705233573914}],"sentiment":"neutral","sentiment_score":0.045834705233573914,"channel":1,"num_words":1,"start":302.035,"end":302.195},{"sentences":[{"text":"that","start":302.115,"end":302.275,"sentiment":"neutral","sentiment_score":0.07499080896377563}],"sentiment":"neutral","sentiment_score":0.07499080896377563,"channel":0,"num_words":1,"start":302.115,"end":302.275},{"sentences":[{"text":"also","start":302.195,"end":302.695,"sentiment":"neutral","sentiment_score":0.06251303851604462}],"sentiment":"neutral","sentiment_score":0.06251303851604462,"channel":1,"num_words":1,"start":302.195,"end":302.695},{"sentences":[{"text":"into your","start":302.275,"end":303.33002,"sentiment":"neutral","sentiment_score":0.07090569660067558}],"sentiment":"neutral","sentiment_score":0.07090569660067558,"channel":0,"num_words":2,"start":302.275,"end":303.33002},{"sentences":[{"text":"looking at increasing another day or half a day next year.","start":303.23502,"end":306.995,"sentiment":"neutral","sentiment_score":0.04549168287353082},{"text":"So I don't know if that'll impact and how much that'll impact.","start":306.995,"end":312.295,"sentiment":"neutral","sentiment_score":-0.0428837436872224}],"sentiment":"neutral","sentiment_score":-0.0006172353320795556,"channel":1,"num_words":23,"start":303.23502,"end":312.295},{"sentences":[{"text":"file.","start":312.67,"end":313.15002,"sentiment":"neutral","sentiment_score":0.02158126980066299},{"text":"Perfect.","start":313.15002,"end":313.65002,"sentiment":"neutral","sentiment_score":0.2919215261936188},{"text":"So what that will do is the extra day will obviously lead to more contributions, so a bit higher in terms of invested amounts.","start":313.71002,"end":320.685,"sentiment":"neutral","sentiment_score":0.1775747500360012}],"sentiment":"neutral","sentiment_score":0.17597295372531965,"channel":0,"num_words":26,"start":312.67,"end":320.685},{"sentences":[{"text":"Yep.","start":321.03,"end":321.53,"sentiment":"neutral","sentiment_score":0.08686518669128418}],"sentiment":"neutral","sentiment_score":0.08686518669128418,"channel":1,"num_words":1,"start":321.03,"end":321.53},{"sentences":[{"text":"And when I do that next review with you guys next year, I can update those details, if your income next financial year has changed significantly.","start":321.065,"end":329.72498,"sentiment":"neutral","sentiment_score":0.05360856365699034}],"sentiment":"neutral","sentiment_score":0.05360856365699034,"channel":0,"num_words":26,"start":321.065,"end":329.72498},{"sentences":[{"text":"Alright.","start":330.69498,"end":330.935,"sentiment":"neutral","sentiment_score":0.16734729707241058},{"text":"Perfect.","start":330.935,"end":331.41498,"sentiment":"positive","sentiment_score":0.34054815769195557},{"text":"Easy as.","start":331.41498,"end":332.315,"sentiment":"neutral","sentiment_score":0.2786353528499603}],"sentiment":"neutral","sentiment_score":0.2662915401160717,"channel":1,"num_words":4,"start":330.69498,"end":332.315},{"sentences":[{"text":"In terms of assets and liabilities, we've got the mortgage, the home, the shares, the car, and the offset.","start":333.16998,"end":339.18997,"sentiment":"neutral","sentiment_score":0.09782451783355914},{"text":"I'm not sure if there's been any major, major changes.","start":339.56998,"end":342.05,"sentiment":"neutral","sentiment_score":-0.07861892655491828},{"text":"I know the market's kind of gone up and down a little bit in terms of the property side of things.","start":342.05,"end":346.425,"sentiment":"neutral","sentiment_score":-0.047225632128261384}],"sentiment":"neutral","sentiment_score":0.0016147659718990326,"channel":0,"num_words":50,"start":333.16998,"end":346.425},{"sentences":[{"text":"No.","start":347.07,"end":347.38998,"sentiment":"neutral","sentiment_score":-0.10417619347572328},{"text":"Everything is pretty much exactly the same.","start":347.38998,"end":349.88998,"sentiment":"neutral","sentiment_score":-0.05381728070122855}],"sentiment":"neutral","sentiment_score":-0.06011214479804039,"channel":1,"num_words":8,"start":347.07,"end":349.88998},{"sentences":[{"text":"Perfect.","start":350.985,"end":351.485,"sentiment":"neutral","sentiment_score":0.007275763433426619},{"text":"And then we've got your hub and your rest super funds listed there as well.","start":351.78497,"end":355.805,"sentiment":"neutral","sentiment_score":0.04988912406067054}],"sentiment":"neutral","sentiment_score":0.04722578902146779,"channel":0,"num_words":16,"start":350.985,"end":355.805},{"sentences":[{"text":"Yes.","start":356.03,"end":356.53,"sentiment":"neutral","sentiment_score":0.24516959488391876}],"sentiment":"neutral","sentiment_score":0.24516959488391876,"channel":1,"num_words":1,"start":356.03,"end":356.53},{"sentences":[{"text":"Cool.","start":357.145,"end":357.645,"sentiment":"positive","sentiment_score":0.3484119772911072},{"text":"If you swing through, you'll see the insurances.","start":357.865,"end":359.805,"sentiment":"neutral","sentiment_score":0.0903504453599453},{"text":"I finally did get some information about the Ali insurances, which","start":360.26498,"end":364.53,"sentiment":"neutral","sentiment_score":0.024331510405648838}],"sentiment":"neutral","sentiment_score":0.06694310773164033,"channel":0,"num_words":20,"start":357.145,"end":364.53},{"sentences":[{"text":"Yes.","start":364.125,"end":364.625,"sentiment":"neutral","sentiment_score":-0.033414844423532486}],"sentiment":"neutral","sentiment_score":-0.033414844423532486,"channel":1,"num_words":1,"start":364.125,"end":364.625},{"sentences":[{"text":"was quite strange because they would send us details for one of you guys with the rest of it redacted for the other person, and they were kind of not sending through a holistic view of that joint policy.","start":364.99002,"end":375.905,"sentiment":"neutral","sentiment_score":-0.15646239761740732}],"sentiment":"neutral","sentiment_score":-0.15646239761740732,"channel":0,"num_words":39,"start":364.99002,"end":375.905},{"sentences":[{"text":"Yeah.","start":375.83,"end":376.22998,"sentiment":"neutral","sentiment_score":-0.14306870102882385},{"text":"They're a bit painful.","start":376.22998,"end":377.21,"sentiment":"neutral","sentiment_score":-0.3055865913629532}],"sentiment":"neutral","sentiment_score":-0.27308301329612733,"channel":1,"num_words":5,"start":375.83,"end":377.21},{"sentences":[{"text":"Little bit.","start":378.125,"end":378.685,"sentiment":"neutral","sentiment_score":-0.18847090005874637},{"text":"Little bit.","start":378.685,"end":379.085,"sentiment":"neutral","sentiment_score":-0.13198237866163254},{"text":"But we did get the information there, so we are tracking that one.","start":379.085,"end":382.305,"sentiment":"neutral","sentiment_score":-0.003070072485850407}],"sentiment":"neutral","sentiment_score":-0.040048088220989,"channel":0,"num_words":17,"start":378.125,"end":382.305},{"sentences":[{"text":"Perfect.","start":382.55,"end":383.05,"sentiment":"positive","sentiment_score":0.44403767585754395}],"sentiment":"positive","sentiment_score":0.44403767585754395,"channel":1,"num_words":1,"start":382.55,"end":383.05},{"sentences":[{"text":"And the rest insurance is there as well.","start":384.205,"end":386.49,"sentiment":"neutral","sentiment_score":0.2031106874346733}],"sentiment":"neutral","sentiment_score":0.2031106874346733,"channel":0,"num_words":8,"start":384.205,"end":386.49},{"sentences":[{"text":"Yep.","start":386.94498,"end":387.345,"sentiment":"neutral","sentiment_score":0.1669710874557495},{"text":"Lovely.","start":387.345,"end":387.845,"sentiment":"positive","sentiment_score":0.3801111876964569}],"sentiment":"neutral","sentiment_score":0.2735411375761032,"channel":1,"num_words":2,"start":386.94498,"end":387.845},{"sentences":[{"text":"If you go past there, you'll see risk profile on the next two pages being high growth currently.","start":388.33,"end":393.87,"sentiment":"neutral","sentiment_score":0.025934279378917482},{"text":"We're not changing your risk profile.","start":393.93,"end":395.94998,"sentiment":"neutral","sentiment_score":-0.0972554050385952},{"text":"We're just","start":396.09,"end":396.49,"sentiment":"neutral","sentiment_score":-0.028997754678130153}],"sentiment":"neutral","sentiment_score":-0.00671965041412757,"channel":0,"num_words":26,"start":388.33,"end":396.49},{"sentences":[{"text":"Yep.","start":396.38498,"end":396.88498,"sentiment":"neutral","sentiment_score":-0.030959229916334152}],"sentiment":"neutral","sentiment_score":-0.030959229916334152,"channel":1,"num_words":1,"start":396.38498,"end":396.88498},{"sentences":[{"text":"dealing with the underlying investments at this point.","start":396.49,"end":398.99,"sentiment":"neutral","sentiment_score":-0.03546419087797403}],"sentiment":"neutral","sentiment_score":-0.03546419087797403,"channel":0,"num_words":8,"start":396.49,"end":398.99},{"sentences":[{"text":"Yep.","start":398.54498,"end":399.04498,"sentiment":"neutral","sentiment_score":0.11026977002620696},{"text":"Beautiful.","start":399.185,"end":399.685,"sentiment":"positive","sentiment_score":0.348183274269104}],"sentiment":"neutral","sentiment_score":0.2292265221476555,"channel":1,"num_words":2,"start":398.54498,"end":399.685},{"sentences":[{"text":"This one's a little bit text heavy, but if you go to pages twelve and thirteen, you'll see strategy recommendations.","start":400.715,"end":406.57498,"sentiment":"neutral","sentiment_score":0.09055873565375805}],"sentiment":"neutral","sentiment_score":0.09055873565375805,"channel":0,"num_words":20,"start":400.715,"end":406.57498},{"sentences":[{"text":"Yep.","start":408.13998,"end":408.62,"sentiment":"neutral","sentiment_score":0.07149619609117508},{"text":"Got it.","start":408.62,"end":409.28,"sentiment":"neutral","sentiment_score":0.0894680991768837}],"sentiment":"neutral","sentiment_score":0.08347746481498082,"channel":1,"num_words":3,"start":408.13998,"end":409.28},{"sentences":[{"text":"So what we're essentially recommending is to update the investments within both funds just to be in line with the risk profile and also do a bit of a top up rollover from rest into hub and just maintain that minimum for the insurances still.","start":409.51498,"end":423.99,"sentiment":"neutral","sentiment_score":0.09261792285574807}],"sentiment":"neutral","sentiment_score":0.09261792285574807,"channel":0,"num_words":45,"start":409.51498,"end":423.99},{"sentences":[{"text":"Yep.","start":424.315,"end":424.635,"sentiment":"neutral","sentiment_score":0.19359265267848969},{"text":"Beautiful.","start":424.635,"end":425.135,"sentiment":"positive","sentiment_score":0.35657620429992676}],"sentiment":"neutral","sentiment_score":0.2750844284892082,"channel":1,"num_words":2,"start":424.315,"end":425.135},{"sentences":[{"text":"Now what this essentially says is that we've had to factor in things like brokerage fees, capital gains tax inside the super, and try to make sure that we're lowering your investment costs, improving the performance, and not including any fees that are too high to warrant not changing any investments.","start":425.65,"end":441.245,"sentiment":"neutral","sentiment_score":0.06548144149721838},{"text":"If you go on the","start":441.245,"end":442.17,"sentiment":"neutral","sentiment_score":-0.02299795001745224}],"sentiment":"neutral","sentiment_score":0.05758149582626564,"channel":0,"num_words":56,"start":425.65,"end":442.17},{"sentences":[{"text":"Okay.","start":443.315,"end":443.635,"sentiment":"neutral","sentiment_score":0.024842236191034317},{"text":"Perfect.","start":443.635,"end":444.135,"sentiment":"neutral","sentiment_score":0.10220716893672945}],"sentiment":"neutral","sentiment_score":0.06352470256388187,"channel":1,"num_words":2,"start":443.315,"end":444.135},{"sentences":[{"text":"next page so, again, I haven't projected you out to retirement just because it's so many years away.","start":446.25,"end":451.15002,"sentiment":"neutral","sentiment_score":-0.1629016122056378}],"sentiment":"neutral","sentiment_score":-0.1629016122056378,"channel":0,"num_words":18,"start":446.25,"end":451.15002},{"sentences":[{"text":"Oh, yeah.","start":451.075,"end":451.475,"sentiment":"neutral","sentiment_score":-0.14916804432868958},{"text":"That","start":451.475,"end":451.715,"sentiment":"neutral","sentiment_score":-0.19699759781360623}],"sentiment":"neutral","sentiment_score":-0.1651112288236618,"channel":1,"num_words":3,"start":451.075,"end":451.715},{"sentences":[{"text":"I can't","start":451.53,"end":451.93002,"sentiment":"neutral","sentiment_score":-0.20163783431053162}],"sentiment":"neutral","sentiment_score":-0.20163783431053162,"channel":0,"num_words":2,"start":451.53,"end":451.93002},{"sentences":[{"text":"happened","start":451.715,"end":451.955,"sentiment":"neutral","sentiment_score":-0.25901904702186584}],"sentiment":"neutral","sentiment_score":-0.25901904702186584,"channel":1,"num_words":1,"start":451.715,"end":451.955},{"sentences":[{"text":"really","start":451.93002,"end":452.41,"sentiment":"neutral","sentiment_score":-0.21794889867305756}],"sentiment":"neutral","sentiment_score":-0.21794889867305756,"channel":0,"num_words":1,"start":451.93002,"end":452.41},{"sentences":[{"text":"in time soon.","start":451.955,"end":452.855,"sentiment":"neutral","sentiment_score":-0.24230090777079263}],"sentiment":"neutral","sentiment_score":-0.24230090777079263,"channel":1,"num_words":3,"start":451.955,"end":452.855},{"sentences":[{"text":"yeah.","start":453.21002,"end":453.45,"sentiment":"neutral","sentiment_score":-0.16161702573299408},{"text":"I can't accurately go decades and decades with any any uncertainty, but ten years is what we've put in this document.","start":453.45,"end":460.725,"sentiment":"neutral","sentiment_score":-0.1325452391590391}],"sentiment":"neutral","sentiment_score":-0.13386668400330978,"channel":0,"num_words":22,"start":453.21002,"end":460.725},{"sentences":[{"text":"Yes.","start":461.46,"end":461.96,"sentiment":"neutral","sentiment_score":-0.02154223620891571}],"sentiment":"neutral","sentiment_score":-0.02154223620891571,"channel":1,"num_words":1,"start":461.46,"end":461.96},{"sentences":[{"text":"If you swing past there, last couple of sort of text heavy pages on fourteen and fifteen, you'll see advantages and disadvantages in a bit of a table there.","start":462.705,"end":471.17,"sentiment":"neutral","sentiment_score":-0.06350200745309222}],"sentiment":"neutral","sentiment_score":-0.06350200745309222,"channel":0,"num_words":29,"start":462.705,"end":471.17},{"sentences":[{"text":"Yeah.","start":471.185,"end":471.505,"sentiment":"neutral","sentiment_score":0.00010210089385509492},{"text":"That's the","start":471.505,"end":472.24503,"sentiment":"neutral","sentiment_score":0.0038948829023865983}],"sentiment":"neutral","sentiment_score":0.0026306222328760973,"channel":1,"num_words":3,"start":471.185,"end":472.24503},{"sentences":[{"text":"So the main thing with all of our portfolios that we put together is brokerage fees because we use ETFs.","start":473.15,"end":479.41,"sentiment":"neutral","sentiment_score":0.030084351450204848},{"text":"And, essentially,","start":479.79,"end":480.61002,"sentiment":"neutral","sentiment_score":0.060930345207452774}],"sentiment":"neutral","sentiment_score":0.032888532700863754,"channel":0,"num_words":22,"start":473.15,"end":480.61002},{"sentences":[{"text":"yes.","start":480.30502,"end":480.80502,"sentiment":"neutral","sentiment_score":0.09289653599262238}],"sentiment":"neutral","sentiment_score":0.09289653599262238,"channel":1,"num_words":1,"start":480.30502,"end":480.80502},{"sentences":[{"text":"there's a that 0.11% you've gotta do to purchase them.","start":480.91,"end":484.335,"sentiment":"neutral","sentiment_score":0.0900210440158844},{"text":"Once you've got them, they're kind of the lowest fee investments going forward.","start":484.41498,"end":487.79498,"sentiment":"neutral","sentiment_score":0.17497504215974075}],"sentiment":"neutral","sentiment_score":0.1380385212276293,"channel":0,"num_words":23,"start":480.91,"end":487.79498},{"sentences":[{"text":"Okay.","start":488.22998,"end":488.62997,"sentiment":"positive","sentiment_score":0.35521891713142395},{"text":"Perfect.","start":488.62997,"end":489.12997,"sentiment":"positive","sentiment_score":0.5818724632263184}],"sentiment":"positive","sentiment_score":0.46854569017887115,"channel":1,"num_words":2,"start":488.22998,"end":489.12997},{"sentences":[{"text":"Cool.","start":490.01498,"end":490.255,"sentiment":"positive","sentiment_score":0.4567267298698426},{"text":"If you go past there, some usual warnings.","start":490.255,"end":492.815,"sentiment":"neutral","sentiment_score":0.10032239276915789},{"text":"We can't control the stock market in the world.","start":492.815,"end":495.055,"sentiment":"neutral","sentiment_score":-0.032991537203391395},{"text":"If there's,","start":495.055,"end":495.455,"sentiment":"neutral","sentiment_score":-0.002997112926095724}],"sentiment":"neutral","sentiment_score":0.04781939056701958,"channel":0,"num_words":20,"start":490.01498,"end":495.455},{"sentences":[{"text":"Yep.","start":495.34998,"end":495.84998,"sentiment":"neutral","sentiment_score":-0.009675348177552223}],"sentiment":"neutral","sentiment_score":-0.009675348177552223,"channel":1,"num_words":1,"start":495.34998,"end":495.84998},{"sentences":[{"text":"you know, wars and financial crises, that'll impact things.","start":495.455,"end":498.54,"sentiment":"neutral","sentiment_score":-0.021771190377573173},{"text":"But we do factor in a bit of a long term average because, you know, every five to seven years, there's something going on, and we need to make sure you still get there regardless.","start":498.78,"end":507.84,"sentiment":"neutral","sentiment_score":0.05141986310482025}],"sentiment":"neutral","sentiment_score":0.036448965801603415,"channel":0,"num_words":44,"start":495.455,"end":507.84},{"sentences":[{"text":"Perfect.","start":508.815,"end":509.315,"sentiment":"positive","sentiment_score":0.521610677242279}],"sentiment":"positive","sentiment_score":0.521610677242279,"channel":1,"num_words":1,"start":508.815,"end":509.315},{"sentences":[{"text":"Awesome.","start":509.9,"end":510.4,"sentiment":"positive","sentiment_score":0.5691159963607788},{"text":"Now into the sort of detail side of things, you'll see projections and fee comparison on page sixteen, seventeen.","start":510.54,"end":517.265,"sentiment":"neutral","sentiment_score":0.1457432884919016},{"text":"You should see a blue","start":517.48505,"end":518.36505,"sentiment":"neutral","sentiment_score":0.09382877945899963}],"sentiment":"neutral","sentiment_score":0.1522952950000763,"channel":0,"num_words":25,"start":509.9,"end":518.36505},{"sentences":[{"text":"Yep.","start":518.3,"end":518.8,"sentiment":"neutral","sentiment_score":0.06995826959609985}],"sentiment":"neutral","sentiment_score":0.06995826959609985,"channel":1,"num_words":1,"start":518.3,"end":518.8},{"sentences":[{"text":"table there.","start":518.36505,"end":519.265,"sentiment":"neutral","sentiment_score":0.09806204959750175}],"sentiment":"neutral","sentiment_score":0.09806204959750175,"channel":0,"num_words":2,"start":518.36505,"end":519.265},{"sentences":[{"text":"Yeah.","start":519.1,"end":519.42,"sentiment":"neutral","sentiment_score":0.10117898881435394},{"text":"I got them.","start":519.42,"end":520.24,"sentiment":"neutral","sentiment_score":0.11881620685259502}],"sentiment":"neutral","sentiment_score":0.11440690234303474,"channel":1,"num_words":4,"start":519.1,"end":520.24},{"sentences":[{"text":"So good news for you is that with all of the investments, which is we're looking to do, it only came out to be about $238 in terms of capital gains tax inside","start":520.92505,"end":531.72,"sentiment":"positive","sentiment_score":0.33913967193979205}],"sentiment":"positive","sentiment_score":0.33913967193979205,"channel":0,"num_words":33,"start":520.92505,"end":531.72},{"sentences":[{"text":"Beautiful.","start":531.625,"end":532.125,"sentiment":"positive","sentiment_score":0.44441843032836914}],"sentiment":"positive","sentiment_score":0.44441843032836914,"channel":1,"num_words":1,"start":531.625,"end":532.125},{"sentences":[{"text":"the super from switching everything out.","start":531.72,"end":534.22,"sentiment":"neutral","sentiment_score":0.31454772005478543}],"sentiment":"neutral","sentiment_score":0.31454772005478543,"channel":0,"num_words":6,"start":531.72,"end":534.22},{"sentences":[{"text":"K.","start":534.505,"end":535.005,"sentiment":"neutral","sentiment_score":0.11529071629047394}],"sentiment":"neutral","sentiment_score":0.11529071629047394,"channel":1,"num_words":1,"start":534.505,"end":535.005},{"sentences":[{"text":"Now I was expecting a few thousand that came out really good, and we're dropping the investment fees by about the same amount, and it's percentage based.","start":536.92,"end":546.425,"sentiment":"neutral","sentiment_score":0.21307531440699543},{"text":"So the larger your balance grows, the more fee savings there will be.","start":546.425,"end":549.725,"sentiment":"neutral","sentiment_score":0.1412330407362718},{"text":"The admin fees go up a little bit because obviously, hub twenty four is a bit more expensive than rest.","start":551.625,"end":556.02,"sentiment":"neutral","sentiment_score":-0.12601708490401506}],"sentiment":"neutral","sentiment_score":0.08447868867466847,"channel":0,"num_words":60,"start":536.92,"end":556.02},{"sentences":[{"text":"Yep.","start":556.665,"end":557.165,"sentiment":"neutral","sentiment_score":0.00018273542809765783}],"sentiment":"neutral","sentiment_score":0.00018273542809765783,"channel":1,"num_words":1,"start":556.665,"end":557.165},{"sentences":[{"text":"Long average.","start":558.58,"end":559.46,"sentiment":"neutral","sentiment_score":-0.01665250677615404},{"text":"So this one was a bit strange.","start":559.46,"end":560.74,"sentiment":"neutral","sentiment_score":-0.05088333413004875},{"text":"I have kind of split the performance on the next page for you, but the long term average goes from about 5% to 11, And that's a combination of what REST was doing plus a couple of options inside Hub that weren't doing too well that we're switching out for both of those.","start":560.74,"end":576.885,"sentiment":"neutral","sentiment_score":-0.0077104406466461575},{"text":"So","start":577.02496,"end":577.265,"sentiment":"neutral","sentiment_score":0.12847349047660828}],"sentiment":"neutral","sentiment_score":-0.010629654226322022,"channel":0,"num_words":63,"start":558.58,"end":577.265},{"sentences":[{"text":"Okay.","start":577.12,"end":577.52,"sentiment":"neutral","sentiment_score":0.21946147084236145}],"sentiment":"neutral","sentiment_score":0.21946147084236145,"channel":1,"num_words":1,"start":577.12,"end":577.52},{"sentences":[{"text":"it's a","start":577.265,"end":577.665,"sentiment":"neutral","sentiment_score":0.31296828389167786}],"sentiment":"neutral","sentiment_score":0.31296828389167786,"channel":0,"num_words":2,"start":577.265,"end":577.665},{"sentences":[{"text":"Perfect.","start":577.52,"end":578.02,"sentiment":"positive","sentiment_score":0.561290979385376}],"sentiment":"positive","sentiment_score":0.561290979385376,"channel":1,"num_words":1,"start":577.52,"end":578.02},{"sentences":[{"text":"pretty large impact to get you back up into the double digits.","start":577.665,"end":582.5,"sentiment":"positive","sentiment_score":0.40787018338839215}],"sentiment":"positive","sentiment_score":0.40787018338839215,"channel":0,"num_words":12,"start":577.665,"end":582.5},{"sentences":[{"text":"Okay.","start":582.765,"end":583.245,"sentiment":"neutral","sentiment_score":0.20686691999435425},{"text":"Cool.","start":583.245,"end":583.745,"sentiment":"neutral","sentiment_score":0.2725587487220764}],"sentiment":"neutral","sentiment_score":0.23971283435821533,"channel":1,"num_words":2,"start":582.765,"end":583.745},{"sentences":[{"text":"Projections wise, bit of a grain of salt.","start":585.52,"end":588.32,"sentiment":"neutral","sentiment_score":0.09012129483744502},{"text":"We're thinking over the next ten years, an additional 50,000 in your balance is pretty accurate for","start":588.32,"end":594.675,"sentiment":"neutral","sentiment_score":0.2588474233360851}],"sentiment":"neutral","sentiment_score":0.2048550622165203,"channel":0,"num_words":25,"start":585.52,"end":594.675},{"sentences":[{"text":"Yep.","start":594.47,"end":594.97,"sentiment":"neutral","sentiment_score":0.21407751739025116}],"sentiment":"neutral","sentiment_score":0.21407751739025116,"channel":1,"num_words":1,"start":594.47,"end":594.97},{"sentences":[{"text":"the performance and fees and everything all is said and done.","start":594.675,"end":597.73505,"sentiment":"neutral","sentiment_score":0.29897392202507367},{"text":"Obviously, not factoring in additional work hours.","start":597.79504,"end":600.375,"sentiment":"neutral","sentiment_score":0.06330333729939801}],"sentiment":"neutral","sentiment_score":0.2073242501873109,"channel":0,"num_words":18,"start":594.675,"end":600.375},{"sentences":[{"text":"Yeah.","start":600.63,"end":601.02997,"sentiment":"neutral","sentiment_score":0.19329670071601868},{"text":"Yeah.","start":601.02997,"end":601.35,"sentiment":"neutral","sentiment_score":0.26881295442581177},{"text":"That's very good.","start":601.35,"end":602.25,"sentiment":"positive","sentiment_score":0.40931637088457745}],"sentiment":"positive","sentiment_score":0.33801175355911256,"channel":1,"num_words":5,"start":600.63,"end":602.25},{"sentences":[{"text":"On the next page, you'll see that full breakdown, and that's really just showing you the combined balances where it was and where it's going to and then a split between the old hub twenty four portfolio, the new one, the old rest portfolio, the new one.","start":602.995,"end":620.145,"sentiment":"neutral","sentiment_score":0.0676415991038084},{"text":"And","start":620.385,"end":620.625,"sentiment":"neutral","sentiment_score":0.07915278524160385}],"sentiment":"neutral","sentiment_score":0.06788141548167914,"channel":0,"num_words":48,"start":602.995,"end":620.625},{"sentences":[{"text":"Yep.","start":620.58997,"end":621.08997,"sentiment":"neutral","sentiment_score":0.14717818796634674}],"sentiment":"neutral","sentiment_score":0.14717818796634674,"channel":1,"num_words":1,"start":620.58997,"end":621.08997},{"sentences":[{"text":"what I'm basically trying to do is trying to get as many of them in line with double digit consistency across all time periods.","start":620.625,"end":627.125,"sentiment":"neutral","sentiment_score":0.15758938683817783},{"text":"Rest is a little bit behind in five and ten years, but it's not too bad.","start":628.625,"end":632.565,"sentiment":"neutral","sentiment_score":0.00769512471742928},{"text":"I would prefer prefer you to keep them in a high growth option for as long","start":632.705,"end":637.29004,"sentiment":"neutral","sentiment_score":0.18497142102569342}],"sentiment":"neutral","sentiment_score":0.12258589314296842,"channel":0,"num_words":56,"start":620.625,"end":637.29004},{"sentences":[{"text":"Yes.","start":637.15497,"end":637.65497,"sentiment":"neutral","sentiment_score":0.2227916419506073}],"sentiment":"neutral","sentiment_score":0.2227916419506073,"channel":1,"num_words":1,"start":637.15497,"end":637.65497},{"sentences":[{"text":"as you can rather than keeping it in the current growth option.","start":637.29004,"end":640.51,"sentiment":"neutral","sentiment_score":0.12440096152325471}],"sentiment":"neutral","sentiment_score":0.12440096152325471,"channel":0,"num_words":12,"start":637.29004,"end":640.51},{"sentences":[{"text":"So how do I do I just have to contact the rest and say move me to high grade?","start":640.995,"end":645.235,"sentiment":"neutral","sentiment_score":0.09360302592578687},{"text":"Is that how that works?","start":645.235,"end":646.27496,"sentiment":"neutral","sentiment_score":0.10239687114953995},{"text":"Or","start":646.27496,"end":646.65,"sentiment":"neutral","sentiment_score":0.05826077610254288}],"sentiment":"neutral","sentiment_score":0.09394810497760772,"channel":1,"num_words":25,"start":640.995,"end":646.65},{"sentences":[{"text":"So you can do it online, but we can fill out, like, an investment switch form, send it through to you, like, prefilled with some forward on envelopes, which if that's helpful, unless","start":646.89,"end":657.505,"sentiment":"neutral","sentiment_score":0.0833466842093251}],"sentiment":"neutral","sentiment_score":0.0833466842093251,"channel":0,"num_words":33,"start":646.89,"end":657.505},{"sentences":[{"text":"that'll","start":657.21,"end":657.53,"sentiment":"neutral","sentiment_score":-0.03238559141755104}],"sentiment":"neutral","sentiment_score":-0.03238559141755104,"channel":1,"num_words":1,"start":657.21,"end":657.53},{"sentences":[{"text":"you're","start":657.505,"end":657.745,"sentiment":"neutral","sentiment_score":-0.008958677761256695}],"sentiment":"neutral","sentiment_score":-0.008958677761256695,"channel":0,"num_words":1,"start":657.505,"end":657.745},{"sentences":[{"text":"be","start":657.53,"end":657.77,"sentiment":"neutral","sentiment_score":0.004663944244384766}],"sentiment":"neutral","sentiment_score":0.004663944244384766,"channel":1,"num_words":1,"start":657.53,"end":657.77},{"sentences":[{"text":"comfortable","start":657.745,"end":658.225,"sentiment":"neutral","sentiment_score":-0.0022419914603233337}],"sentiment":"neutral","sentiment_score":-0.0022419914603233337,"channel":0,"num_words":1,"start":657.745,"end":658.225},{"sentences":[{"text":"great.","start":657.77,"end":658.27,"sentiment":"neutral","sentiment_score":0.1644124686717987}],"sentiment":"neutral","sentiment_score":0.1644124686717987,"channel":1,"num_words":1,"start":657.77,"end":658.27},{"sentences":[{"text":"yeah.","start":658.785,"end":659.285,"sentiment":"neutral","sentiment_score":0.08832163363695145},{"text":"That'll","start":659.345,"end":659.665,"sentiment":"neutral","sentiment_score":0.1053127497434616}],"sentiment":"neutral","sentiment_score":0.09681719169020653,"channel":0,"num_words":2,"start":658.785,"end":659.665},{"sentences":[{"text":"Because","start":659.61005,"end":660.01,"sentiment":"neutral","sentiment_score":0.07742811739444733}],"sentiment":"neutral","sentiment_score":0.07742811739444733,"channel":1,"num_words":1,"start":659.61005,"end":660.01},{"sentences":[{"text":"be good.","start":659.665,"end":660.325,"sentiment":"neutral","sentiment_score":0.14594363421201706}],"sentiment":"neutral","sentiment_score":0.14594363421201706,"channel":0,"num_words":2,"start":659.665,"end":660.325},{"sentences":[{"text":"I actually","start":660.01,"end":660.49005,"sentiment":"neutral","sentiment_score":0.003978922963142395}],"sentiment":"neutral","sentiment_score":0.003978922963142395,"channel":1,"num_words":2,"start":660.01,"end":660.49005},{"sentences":[{"text":"I'll","start":660.46497,"end":660.705,"sentiment":"neutral","sentiment_score":-0.005913473665714264}],"sentiment":"neutral","sentiment_score":-0.005913473665714264,"channel":0,"num_words":1,"start":660.46497,"end":660.705},{"sentences":[{"text":"don't know what my password or anything is.","start":660.49005,"end":664.58496,"sentiment":"neutral","sentiment_score":-0.057285227347165346},{"text":"So","start":665.125,"end":665.625,"sentiment":"neutral","sentiment_score":0.06331971287727356}],"sentiment":"neutral","sentiment_score":-0.0438846784333388,"channel":1,"num_words":9,"start":660.49005,"end":665.625},{"sentences":[{"text":"fair enough.","start":666.35,"end":667.07,"sentiment":"neutral","sentiment_score":0.07779808342456818},{"text":"So I'll get the team to prefill that along with it.","start":667.07,"end":669.89,"sentiment":"neutral","sentiment_score":0.11828340725465254},{"text":"Everything","start":670.11,"end":670.61,"sentiment":"neutral","sentiment_score":0.3282480239868164}],"sentiment":"neutral","sentiment_score":0.1274972621883665,"channel":0,"num_words":14,"start":666.35,"end":670.61},{"sentences":[{"text":"thank","start":670.40497,"end":670.725,"sentiment":"positive","sentiment_score":0.3807995319366455}],"sentiment":"positive","sentiment_score":0.3807995319366455,"channel":1,"num_words":1,"start":670.40497,"end":670.725},{"sentences":[{"text":"relating","start":670.67,"end":671.17,"sentiment":"neutral","sentiment_score":0.32130688428878784}],"sentiment":"neutral","sentiment_score":0.32130688428878784,"channel":0,"num_words":1,"start":670.67,"end":671.17},{"sentences":[{"text":"you.","start":670.725,"end":671.225,"sentiment":"neutral","sentiment_score":0.30662256479263306}],"sentiment":"neutral","sentiment_score":0.30662256479263306,"channel":1,"num_words":1,"start":670.725,"end":671.225},{"sentences":[{"text":"to hub in terms of rollovers and switches, we do online because we've got transaction access, and rest would just be a form.","start":671.23,"end":677.825,"sentiment":"neutral","sentiment_score":0.09605032108400179}],"sentiment":"neutral","sentiment_score":0.09605032108400179,"channel":0,"num_words":23,"start":671.23,"end":677.825},{"sentences":[{"text":"Perfect.","start":678.31,"end":678.71,"sentiment":"positive","sentiment_score":0.6744365692138672},{"text":"Beautiful.","start":678.71,"end":679.19,"sentiment":"positive","sentiment_score":0.7235366106033325},{"text":"Thank you.","start":679.19,"end":679.93,"sentiment":"positive","sentiment_score":0.6595318019390106}],"sentiment":"positive","sentiment_score":0.6792591959238052,"channel":1,"num_words":4,"start":678.31,"end":679.93},{"sentences":[{"text":"Alrighty.","start":680.205,"end":680.705,"sentiment":"neutral","sentiment_score":0.1849335730075836},{"text":"Past there, so last two tables for you is investments, red heading on pages eighteen and nineteen.","start":681.485,"end":688.545,"sentiment":"neutral","sentiment_score":0.06655529229079976},{"text":"Should be quite a lot of figures on there.","start":688.765,"end":691.04004,"sentiment":"neutral","sentiment_score":0.13777335484822592}],"sentiment":"neutral","sentiment_score":0.09467902724389676,"channel":0,"num_words":27,"start":680.205,"end":691.04004},{"sentences":[{"text":"Yep.","start":690.79004,"end":691.29004,"sentiment":"neutral","sentiment_score":0.03864714875817299},{"text":"Yep.","start":691.43,"end":691.845,"sentiment":"neutral","sentiment_score":0.031755443662405014}],"sentiment":"neutral","sentiment_score":0.035201296210289,"channel":1,"num_words":2,"start":690.79004,"end":691.845},{"sentences":[{"text":"So can you make any of these figures out?","start":693.02,"end":694.7,"sentiment":"neutral","sentiment_score":0.01792725558496184},{"text":"Is it blurry?","start":694.7,"end":695.42004,"sentiment":"neutral","sentiment_score":-0.02134396570424239},{"text":"Is it clear?","start":695.42004,"end":696.08,"sentiment":"neutral","sentiment_score":-0.004519709385931491}],"sentiment":"neutral","sentiment_score":0.005583618332942327,"channel":0,"num_words":15,"start":693.02,"end":696.08},{"sentences":[{"text":"Alright.","start":695.845,"end":696.245,"sentiment":"neutral","sentiment_score":0.025577381253242493},{"text":"That is so clear.","start":696.245,"end":696.96497,"sentiment":"neutral","sentiment_score":0.03997456328943372},{"text":"I just have no idea what her name it means.","start":696.96497,"end":698.985,"sentiment":"neutral","sentiment_score":-0.08475101497024298}],"sentiment":"neutral","sentiment_score":-0.04413563435276349,"channel":1,"num_words":15,"start":695.845,"end":698.985},{"sentences":[{"text":"Cool.","start":699.26,"end":699.66003,"sentiment":"neutral","sentiment_score":0.2871461510658264},{"text":"So the top few rows basically just says we wanna sell out of the growth fund in rest and move it to the high growth.","start":699.66003,"end":705.165,"sentiment":"neutral","sentiment_score":0.12876242756843567}],"sentiment":"neutral","sentiment_score":0.13485410924141222,"channel":0,"num_words":26,"start":699.26,"end":705.165},{"sentences":[{"text":"Yep.","start":705.79004,"end":706.29004,"sentiment":"neutral","sentiment_score":0.1300625205039978}],"sentiment":"neutral","sentiment_score":0.1300625205039978,"channel":1,"num_words":1,"start":705.79004,"end":706.29004},{"sentences":[{"text":"That includes a partial rollover to Hub '24, and the remaining 8,000 will go into that new option as well as your contributions.","start":706.52496,"end":714.545,"sentiment":"neutral","sentiment_score":0.18916432105976602}],"sentiment":"neutral","sentiment_score":0.18916432105976602,"channel":0,"num_words":23,"start":706.52496,"end":714.545},{"sentences":[{"text":"Okay.","start":715.23004,"end":715.63,"sentiment":"neutral","sentiment_score":0.25441569089889526},{"text":"Perfect.","start":715.63,"end":716.13,"sentiment":"positive","sentiment_score":0.590894341468811}],"sentiment":"positive","sentiment_score":0.42265501618385315,"channel":1,"num_words":2,"start":715.23004,"end":716.13},{"sentences":[{"text":"Cool.","start":716.685,"end":717.185,"sentiment":"neutral","sentiment_score":0.028768111020326614},{"text":"In terms of the Hub portfolio, the easiest way to understand this is in that second last column under target weight percentages, you'll see all the ones with zero that we're selling out of and all the ones with round figures that we're either rebalancing back to where they should be or the ones that we're including on the next page.","start":717.40497,"end":737.04504,"sentiment":"neutral","sentiment_score":0.020953146847667265},{"text":"We've","start":737.505,"end":737.905,"sentiment":"neutral","sentiment_score":0.03075600415468216}],"sentiment":"neutral","sentiment_score":0.021232794807662093,"channel":0,"num_words":63,"start":716.685,"end":737.905},{"sentences":[{"text":"Okay.","start":737.62,"end":737.94,"sentiment":"neutral","sentiment_score":0.05788606405258179}],"sentiment":"neutral","sentiment_score":0.05788606405258179,"channel":1,"num_words":1,"start":737.62,"end":737.94},{"sentences":[{"text":"added","start":737.905,"end":738.405,"sentiment":"neutral","sentiment_score":0.09332375228405}],"sentiment":"neutral","sentiment_score":0.09332375228405,"channel":0,"num_words":1,"start":737.905,"end":738.405},{"sentences":[{"text":"Perfect.","start":737.94,"end":738.44,"sentiment":"positive","sentiment_score":0.35210657119750977},{"text":"Yeah.","start":738.5,"end":739.0,"sentiment":"neutral","sentiment_score":0.2229974865913391}],"sentiment":"neutral","sentiment_score":0.28755202889442444,"channel":1,"num_words":2,"start":737.94,"end":739.0},{"sentences":[{"text":"five options for you.","start":738.86505,"end":740.24506,"sentiment":"neutral","sentiment_score":0.1812330223619938},{"text":"Basically, need to add in a bit of gold for some alternatives.","start":740.385,"end":743.68506,"sentiment":"neutral","sentiment_score":0.11333178232113521},{"text":"We're switching out some of the term deposits because the government's phasing a certain type of them out called a bank hybrid.","start":745.905,"end":751.25,"sentiment":"neutral","sentiment_score":0.05466833134943789},{"text":"I need to get that switched out.","start":751.31,"end":752.93,"sentiment":"neutral","sentiment_score":0.05249477284295218},{"text":"Bennelong was the underperformer, so I'm switching that out with a low fee index fund and","start":753.15,"end":758.37,"sentiment":"neutral","sentiment_score":0.1613094238564372}],"sentiment":"neutral","sentiment_score":0.10223001571463756,"channel":0,"num_words":61,"start":738.86505,"end":758.37},{"sentences":[{"text":"Yep.","start":758.195,"end":758.695,"sentiment":"neutral","sentiment_score":0.15035057067871094}],"sentiment":"neutral","sentiment_score":0.15035057067871094,"channel":1,"num_words":1,"start":758.195,"end":758.695},{"sentences":[{"text":"a little few extra satellites there as well.","start":758.91,"end":761.49,"sentiment":"neutral","sentiment_score":0.1257218038663268}],"sentiment":"neutral","sentiment_score":0.1257218038663268,"channel":0,"num_words":8,"start":758.91,"end":761.49},{"sentences":[{"text":"Alright.","start":761.88,"end":762.12,"sentiment":"neutral","sentiment_score":0.20872589945793152},{"text":"Perfect.","start":762.12,"end":762.62,"sentiment":"positive","sentiment_score":0.3509558141231537}],"sentiment":"neutral","sentiment_score":0.2798408567905426,"channel":1,"num_words":2,"start":761.88,"end":762.62},{"sentences":[{"text":"Now the last table for you is on page 20 slash 21.","start":764.225,"end":768.625,"sentiment":"neutral","sentiment_score":0.07207603628436725},{"text":"You'll see a pie chart","start":768.625,"end":769.825,"sentiment":"neutral","sentiment_score":0.05442757084965706}],"sentiment":"neutral","sentiment_score":0.0668853111565113,"channel":0,"num_words":17,"start":764.225,"end":769.825},{"sentences":[{"text":"Yep.","start":769.56,"end":770.06,"sentiment":"neutral","sentiment_score":0.05922631546854973}],"sentiment":"neutral","sentiment_score":0.05922631546854973,"channel":1,"num_words":1,"start":769.56,"end":770.06},{"sentences":[{"text":"there for your asset allocation.","start":769.825,"end":771.365,"sentiment":"neutral","sentiment_score":0.06385577246546745}],"sentiment":"neutral","sentiment_score":0.06385577246546745,"channel":0,"num_words":5,"start":769.825,"end":771.365},{"sentences":[{"text":"Yep.","start":771.95996,"end":772.36,"sentiment":"neutral","sentiment_score":0.08965006470680237},{"text":"Got it.","start":772.36,"end":773.1,"sentiment":"neutral","sentiment_score":0.1028236523270607}],"sentiment":"neutral","sentiment_score":0.09843245645364125,"channel":1,"num_words":3,"start":771.95996,"end":773.1},{"sentences":[{"text":"So long story short, 90 to a 100% of your funds should be in growth assets, like shares, property, and goals to be","start":773.345,"end":781.39996,"sentiment":"neutral","sentiment_score":0.09438225254416466}],"sentiment":"neutral","sentiment_score":0.09438225254416466,"channel":0,"num_words":23,"start":773.345,"end":781.39996},{"sentences":[{"text":"Yeah.","start":781.365,"end":781.865,"sentiment":"neutral","sentiment_score":0.03648186475038528}],"sentiment":"neutral","sentiment_score":0.03648186475038528,"channel":1,"num_words":1,"start":781.365,"end":781.865},{"sentences":[{"text":"high growth.","start":781.39996,"end":782.06,"sentiment":"neutral","sentiment_score":0.03986956551671028},{"text":"You're sitting at just shy of 84.","start":782.36,"end":784.94,"sentiment":"neutral","sentiment_score":0.04406644882900374},{"text":"Once we switch both portfolios around and do the rollover, you'll be up to about 93 and a half.","start":785.0,"end":790.06,"sentiment":"neutral","sentiment_score":0.04751148584641909},{"text":"It'll","start":790.12,"end":790.51996,"sentiment":"neutral","sentiment_score":0.052995260804891586}],"sentiment":"neutral","sentiment_score":0.046341991887010374,"channel":0,"num_words":29,"start":781.39996,"end":790.51996},{"sentences":[{"text":"Beautiful.","start":790.44,"end":790.94,"sentiment":"neutral","sentiment_score":0.09854871034622192}],"sentiment":"neutral","sentiment_score":0.09854871034622192,"channel":1,"num_words":1,"start":790.44,"end":790.94},{"sentences":[{"text":"fluctuate between there over time.","start":790.51996,"end":792.7,"sentiment":"neutral","sentiment_score":0.05421149358153343}],"sentiment":"neutral","sentiment_score":0.05421149358153343,"channel":0,"num_words":5,"start":790.51996,"end":792.7},{"sentences":[{"text":"Yep.","start":793.16003,"end":793.56,"sentiment":"neutral","sentiment_score":0.17854265868663788},{"text":"Beautiful.","start":793.56,"end":794.06,"sentiment":"positive","sentiment_score":0.43840521574020386}],"sentiment":"neutral","sentiment_score":0.30847393721342087,"channel":1,"num_words":2,"start":793.16003,"end":794.06},{"sentences":[{"text":"Cool.","start":794.36,"end":794.86,"sentiment":"neutral","sentiment_score":0.30216750502586365},{"text":"Just bear in mind too that given the way the world is at the moment, it's gonna be quite the roller coaster ride.","start":795.215,"end":800.495,"sentiment":"neutral","sentiment_score":-0.1001430121452912},{"text":"It's gonna be going up and down quite a bit.","start":800.495,"end":802.59503,"sentiment":"neutral","sentiment_score":-0.2218288615345955},{"text":"And,","start":802.815,"end":803.315,"sentiment":"neutral","sentiment_score":-0.11491769552230836}],"sentiment":"neutral","sentiment_score":-0.12383794529097421,"channel":0,"num_words":35,"start":794.36,"end":803.315},{"sentences":[{"text":"Oh, yeah.","start":803.16504,"end":803.48505,"sentiment":"neutral","sentiment_score":-0.16198141872882843},{"text":"I don't expect anything stable at all at the moment.","start":803.48505,"end":805.98505,"sentiment":"neutral","sentiment_score":-0.3284270644187927},{"text":"Okay.","start":806.205,"end":806.705,"sentiment":"neutral","sentiment_score":-0.1159726083278656}],"sentiment":"neutral","sentiment_score":-0.2864773915364192,"channel":1,"num_words":13,"start":803.16504,"end":806.705},{"sentences":[{"text":"yeah, it could be going up 10%, one month down 20% the next few months and then back up 50.","start":806.255,"end":812.24,"sentiment":"neutral","sentiment_score":-0.10066240839660168},{"text":"It could be all over the shop.","start":812.24,"end":813.62,"sentiment":"neutral","sentiment_score":-0.13595862367323466}],"sentiment":"neutral","sentiment_score":-0.1098132790238769,"channel":0,"num_words":27,"start":806.255,"end":813.62},{"sentences":[{"text":"Yeah.","start":813.885,"end":814.04504,"sentiment":"neutral","sentiment_score":-0.09289303421974182},{"text":"That's yeah.","start":814.04504,"end":814.525,"sentiment":"neutral","sentiment_score":-0.13766027241945267},{"text":"I don't expect anything stable at all.","start":814.525,"end":816.945,"sentiment":"neutral","sentiment_score":-0.28911023906299044}],"sentiment":"neutral","sentiment_score":-0.23919852524995805,"channel":1,"num_words":10,"start":813.885,"end":816.945},{"sentences":[{"text":"We will aim for the long term averages like we normally do over five, seven, and ten years to try and hit those double digits.","start":817.36,"end":824.42,"sentiment":"neutral","sentiment_score":-0.04189056858420372},{"text":"And then when you're closer to retirement, we'll start to scale back the risk to protect it once it's built.","start":824.71497,"end":830.65497,"sentiment":"neutral","sentiment_score":-0.07314272522926331}],"sentiment":"neutral","sentiment_score":-0.05578041598200798,"channel":0,"num_words":45,"start":817.36,"end":830.65497},{"sentences":[{"text":"Yep.","start":830.84,"end":831.34,"sentiment":"neutral","sentiment_score":0.06356122344732285},{"text":"Yep.","start":831.4,"end":831.88,"sentiment":"neutral","sentiment_score":0.026855159550905228},{"text":"Beautiful.","start":831.88,"end":832.38,"sentiment":"positive","sentiment_score":0.7822363376617432}],"sentiment":"neutral","sentiment_score":0.29088424021999043,"channel":1,"num_words":3,"start":830.84,"end":832.38},{"sentences":[{"text":"Awesome.","start":833.035,"end":833.51495,"sentiment":"positive","sentiment_score":0.7126044034957886},{"text":"So I know that was a bit of a flash info dump, but","start":833.51495,"end":837.21497,"sentiment":"neutral","sentiment_score":0.061826619964379534}],"sentiment":"neutral","sentiment_score":0.10831074735948018,"channel":0,"num_words":14,"start":833.035,"end":837.21497},{"sentences":[{"text":"That's","start":837.305,"end":837.545,"sentiment":"neutral","sentiment_score":0.06796550005674362}],"sentiment":"neutral","sentiment_score":0.06796550005674362,"channel":1,"num_words":1,"start":837.305,"end":837.545},{"sentences":[{"text":"does it","start":837.32,"end":837.64,"sentiment":"neutral","sentiment_score":0.08286474272608757}],"sentiment":"neutral","sentiment_score":0.08286474272608757,"channel":0,"num_words":2,"start":837.32,"end":837.64},{"sentences":[{"text":"all.","start":837.545,"end":837.785,"sentiment":"neutral","sentiment_score":0.08381489664316177}],"sentiment":"neutral","sentiment_score":0.08381489664316177,"channel":1,"num_words":1,"start":837.545,"end":837.785},{"sentences":[{"text":"make sense","start":837.64,"end":838.2,"sentiment":"neutral","sentiment_score":0.04614836350083351}],"sentiment":"neutral","sentiment_score":0.04614836350083351,"channel":0,"num_words":2,"start":837.64,"end":838.2},{"sentences":[{"text":"That makes","start":837.785,"end":838.345,"sentiment":"neutral","sentiment_score":0.07054293155670166}],"sentiment":"neutral","sentiment_score":0.07054293155670166,"channel":1,"num_words":2,"start":837.785,"end":838.345},{"sentences":[{"text":"what we're","start":838.2,"end":838.44,"sentiment":"neutral","sentiment_score":0.06208030879497528}],"sentiment":"neutral","sentiment_score":0.06208030879497528,"channel":0,"num_words":2,"start":838.2,"end":838.44},{"sentences":[{"text":"sense.","start":838.345,"end":838.58496,"sentiment":"neutral","sentiment_score":0.052127204835414886}],"sentiment":"neutral","sentiment_score":0.052127204835414886,"channel":1,"num_words":1,"start":838.345,"end":838.58496},{"sentences":[{"text":"doing?","start":838.44,"end":838.94,"sentiment":"neutral","sentiment_score":0.040383122861385345}],"sentiment":"neutral","sentiment_score":0.040383122861385345,"channel":0,"num_words":1,"start":838.44,"end":838.94},{"sentences":[{"text":"So yeah.","start":838.58496,"end":839.305,"sentiment":"neutral","sentiment_score":0.06664938852190971},{"text":"Yeah.","start":839.305,"end":839.46497,"sentiment":"neutral","sentiment_score":0.12470518797636032},{"text":"It all makes sense.","start":839.46497,"end":840.265,"sentiment":"neutral","sentiment_score":0.15828637033700943},{"text":"Yep.","start":840.265,"end":840.765,"sentiment":"neutral","sentiment_score":0.14058130979537964}],"sentiment":"neutral","sentiment_score":0.12896634452044964,"channel":1,"num_words":8,"start":838.58496,"end":840.765},{"sentences":[{"text":"Cool.","start":840.68,"end":841.08,"sentiment":"neutral","sentiment_score":0.25328534841537476},{"text":"Any questions for me at this point?","start":841.08,"end":842.77997,"sentiment":"neutral","sentiment_score":0.1031000167131424}],"sentiment":"neutral","sentiment_score":0.12187318317592144,"channel":0,"num_words":8,"start":840.68,"end":842.77997},{"sentences":[{"text":"No.","start":843.46497,"end":843.96497,"sentiment":"neutral","sentiment_score":-0.03940795361995697},{"text":"Nothing.","start":844.105,"end":844.605,"sentiment":"neutral","sentiment_score":-0.018388699740171432}],"sentiment":"neutral","sentiment_score":-0.0288983266800642,"channel":1,"num_words":2,"start":843.46497,"end":844.605},{"sentences":[{"text":"Alrighty.","start":845.56,"end":846.06,"sentiment":"neutral","sentiment_score":0.11325003206729888}],"sentiment":"neutral","sentiment_score":0.11325003206729888,"channel":0,"num_words":1,"start":845.56,"end":846.06},{"sentences":[{"text":"Pretty straightforward, which","start":846.33,"end":846.91003,"sentiment":"neutral","sentiment_score":0.2578492561976115}],"sentiment":"neutral","sentiment_score":0.2578492561976115,"channel":1,"num_words":3,"start":846.33,"end":846.91003},{"sentences":[{"text":"After that,","start":846.44,"end":847.26,"sentiment":"positive","sentiment_score":0.35503000020980835}],"sentiment":"positive","sentiment_score":0.35503000020980835,"channel":0,"num_words":2,"start":846.44,"end":847.26},{"sentences":[{"text":"is good.","start":847.29004,"end":847.95,"sentiment":"positive","sentiment_score":0.4942380487918854}],"sentiment":"positive","sentiment_score":0.4942380487918854,"channel":1,"num_words":2,"start":847.29004,"end":847.95},{"sentences":[{"text":"pretty well just lets you know why you should have a will in place after","start":848.36,"end":852.485,"sentiment":"neutral","sentiment_score":0.16636061469713848}],"sentiment":"neutral","sentiment_score":0.16636061469713848,"channel":0,"num_words":15,"start":848.36,"end":852.485},{"sentences":[{"text":"Yes.","start":852.17004,"end":852.67004,"sentiment":"neutral","sentiment_score":0.08631030470132828}],"sentiment":"neutral","sentiment_score":0.08631030470132828,"channel":1,"num_words":1,"start":852.17004,"end":852.67004},{"sentences":[{"text":"that, power of attorney as well.","start":852.945,"end":854.805,"sentiment":"neutral","sentiment_score":0.11282053589820862},{"text":"I know you can get some basic kits from Australia Post to the government approved, and we do have, like, some lawyers that we do know that do some slight discounts to do them online if you would like us to send one of those through unless you've still got those will kits.","start":854.945,"end":870.32,"sentiment":"neutral","sentiment_score":0.1151450144232444}],"sentiment":"neutral","sentiment_score":0.11490862677663059,"channel":0,"num_words":59,"start":852.945,"end":870.32},{"sentences":[{"text":"I've still got the little kids literally just sitting in my study.","start":870.575,"end":873.395,"sentiment":"neutral","sentiment_score":0.09240083334346612},{"text":"I just","start":873.455,"end":873.935,"sentiment":"neutral","sentiment_score":0.056166091933846474}],"sentiment":"neutral","sentiment_score":0.08722444171352046,"channel":1,"num_words":14,"start":870.575,"end":873.935},{"sentences":[{"text":"Yeah.","start":873.74005,"end":874.14,"sentiment":"neutral","sentiment_score":0.05166076496243477}],"sentiment":"neutral","sentiment_score":0.05166076496243477,"channel":0,"num_words":1,"start":873.74005,"end":874.14},{"sentences":[{"text":"have","start":873.935,"end":874.17505,"sentiment":"neutral","sentiment_score":0.04312914237380028}],"sentiment":"neutral","sentiment_score":0.04312914237380028,"channel":1,"num_words":1,"start":873.935,"end":874.17505},{"sentences":[{"text":"Okay.","start":874.14,"end":874.64,"sentiment":"neutral","sentiment_score":0.05577155575156212}],"sentiment":"neutral","sentiment_score":0.05577155575156212,"channel":0,"num_words":1,"start":874.14,"end":874.64},{"sentences":[{"text":"to open it and do it.","start":874.17505,"end":875.715,"sentiment":"neutral","sentiment_score":0.08322627656161785}],"sentiment":"neutral","sentiment_score":0.08322627656161785,"channel":1,"num_words":6,"start":874.17505,"end":875.715},{"sentences":[{"text":"Perfect.","start":876.14,"end":876.64,"sentiment":"positive","sentiment_score":0.5094414353370667},{"text":"We've reiterated the advice fees towards the back, and there is a consent form at the bottom.","start":877.5,"end":883.115,"sentiment":"neutral","sentiment_score":0.1798205200363608}],"sentiment":"neutral","sentiment_score":0.19813279310862222,"channel":0,"num_words":18,"start":876.14,"end":883.115},{"sentences":[{"text":"Yep.","start":883.34,"end":883.84,"sentiment":"neutral","sentiment_score":0.10866111516952516}],"sentiment":"neutral","sentiment_score":0.10866111516952516,"channel":1,"num_words":1,"start":883.34,"end":883.84},{"sentences":[{"text":"Second last page to consent.","start":883.415,"end":885.195,"sentiment":"neutral","sentiment_score":0.07291580885648727},{"text":"So with this whole package, there is a bit of a box that you can fill in some text if you wanna change any of the recommendations.","start":885.575,"end":893.115,"sentiment":"neutral","sentiment_score":0.11697031612749453},{"text":"If not, you basically just type in NA and then just sign end date.","start":893.735,"end":898.38,"sentiment":"neutral","sentiment_score":0.04430146302495684},{"text":"I will get the forms drafted up once we get this back signed.","start":900.12,"end":904.06,"sentiment":"neutral","sentiment_score":0.11651344368090996},{"text":"We have included you guys are still on the partner fee discount with us of 1.1","start":904.27997,"end":909.39996,"sentiment":"neutral","sentiment_score":0.15530924452468753}],"sentiment":"neutral","sentiment_score":0.1085682765642802,"channel":0,"num_words":75,"start":883.415,"end":909.39996},{"sentences":[{"text":"Oh,","start":909.17004,"end":909.67004,"sentiment":"neutral","sentiment_score":0.16036489605903623}],"sentiment":"neutral","sentiment_score":0.16036489605903623,"channel":1,"num_words":1,"start":909.17004,"end":909.67004},{"sentences":[{"text":"percent.","start":909.39996,"end":909.89996,"sentiment":"neutral","sentiment_score":0.1601986438035965},{"text":"So I've included that","start":910.21497,"end":911.995,"sentiment":"neutral","sentiment_score":0.30403220653533936}],"sentiment":"neutral","sentiment_score":0.2752654939889908,"channel":0,"num_words":5,"start":909.39996,"end":911.995},{"sentences":[{"text":"perfect.","start":911.97003,"end":912.47003,"sentiment":"positive","sentiment_score":0.43767106533050537}],"sentiment":"positive","sentiment_score":0.43767106533050537,"channel":1,"num_words":1,"start":911.97003,"end":912.47003},{"sentences":[{"text":"updated consent form as well.","start":912.21497,"end":914.07495,"sentiment":"neutral","sentiment_score":0.29034375548362734}],"sentiment":"neutral","sentiment_score":0.29034375548362734,"channel":0,"num_words":5,"start":912.21497,"end":914.07495},{"sentences":[{"text":"Beautiful.","start":914.77,"end":915.27,"sentiment":"positive","sentiment_score":0.43244603276252747}],"sentiment":"positive","sentiment_score":0.43244603276252747,"channel":1,"num_words":1,"start":914.77,"end":915.27},{"sentences":[{"text":"Now have you used this system before?","start":915.89496,"end":917.915,"sentiment":"neutral","sentiment_score":0.11825007306677955}],"sentiment":"neutral","sentiment_score":0.11825007306677955,"channel":0,"num_words":7,"start":915.89496,"end":917.915},{"sentences":[{"text":"I believe so.","start":918.61005,"end":919.99005,"sentiment":"neutral","sentiment_score":0.1326533704996109},{"text":"I wanna say","start":920.10504,"end":921.005,"sentiment":"neutral","sentiment_score":0.13882086674372354}],"sentiment":"neutral","sentiment_score":0.13573711862166724,"channel":1,"num_words":6,"start":918.61005,"end":921.005},{"sentences":[{"text":"Cool.","start":921.89496,"end":922.2,"sentiment":"neutral","sentiment_score":0.20126444101333615},{"text":"So the only reminder here is that when you go there's, like, a begin button that brings you to the spots to sign.","start":922.44,"end":928.3,"sentiment":"neutral","sentiment_score":0.0470953896317793}],"sentiment":"neutral","sentiment_score":0.05351910010601083,"channel":0,"num_words":24,"start":921.89496,"end":928.3},{"sentences":[{"text":"yes.","start":928.10504,"end":928.60504,"sentiment":"neutral","sentiment_score":0.05878880992531776}],"sentiment":"neutral","sentiment_score":0.05878880992531776,"channel":1,"num_words":1,"start":928.10504,"end":928.60504},{"sentences":[{"text":"What'll basically happen is you sign the authority to proceed here.","start":928.52,"end":932.28,"sentiment":"neutral","sentiment_score":0.04653818397359415},{"text":"You'll then move over to the next document, which is the appendix, which is not signable.","start":932.28,"end":936.2,"sentiment":"neutral","sentiment_score":0.008818722679279745},{"text":"It's a skip and then the consent form to sign.","start":936.2,"end":939.905,"sentiment":"neutral","sentiment_score":0.03213585410267115},{"text":"After that, there's just four more documents to kind of skip through and then validate at the end.","start":940.04504,"end":945.34503,"sentiment":"neutral","sentiment_score":0.04534695359567801}],"sentiment":"neutral","sentiment_score":0.03255678713321686,"channel":0,"num_words":55,"start":928.52,"end":945.34503},{"sentences":[{"text":"Perfect.","start":946.5,"end":946.89996,"sentiment":"neutral","sentiment_score":0.26152244210243225},{"text":"K.","start":946.89996,"end":947.14,"sentiment":"neutral","sentiment_score":0.04266877472400665},{"text":"I think I'm halfway through, I think.","start":947.14,"end":950.32495,"sentiment":"neutral","sentiment_score":0.0414306183478662},{"text":"And the keywords here.","start":950.32495,"end":951.785,"sentiment":"neutral","sentiment_score":0.030768173281103373},{"text":"Well, I have to go over the documents.","start":957.925,"end":959.46497,"sentiment":"neutral","sentiment_score":0.009073518449440598}],"sentiment":"neutral","sentiment_score":0.03761268504673526,"channel":1,"num_words":21,"start":946.5,"end":959.46497},{"sentences":[{"text":"Yep.","start":962.45996,"end":962.95996,"sentiment":"neutral","sentiment_score":-0.0014769609551876783},{"text":"Thankfully, you don't have to scroll through the bottom of them all because, again, once you get that investment menu, 491 pages, you don't have to read all the investment options.","start":963.26,"end":973.195,"sentiment":"neutral","sentiment_score":0.21443943739418062}],"sentiment":"neutral","sentiment_score":0.20769204994576285,"channel":0,"num_words":32,"start":962.45996,"end":973.195},{"sentences":[{"text":"No.","start":973.86,"end":974.01996,"sentiment":"neutral","sentiment_score":0.09808072447776794},{"text":"Thank you.","start":974.01996,"end":974.58,"sentiment":"positive","sentiment_score":0.36623553931713104},{"text":"I'll just press validate.","start":974.58,"end":975.64,"sentiment":"neutral","sentiment_score":0.07956428546458483},{"text":"So, hopefully, that goes through and delete","start":975.7,"end":978.26,"sentiment":"neutral","sentiment_score":0.09159331449440547}],"sentiment":"neutral","sentiment_score":0.12785443903080054,"channel":1,"num_words":14,"start":973.86,"end":978.26},{"sentences":[{"text":"Yeah.","start":977.895,"end":978.215,"sentiment":"neutral","sentiment_score":0.05386348068714142},{"text":"And","start":978.215,"end":978.375,"sentiment":"neutral","sentiment_score":0.042652565985918045}],"sentiment":"neutral","sentiment_score":0.04825802333652973,"channel":0,"num_words":2,"start":977.895,"end":978.375},{"sentences":[{"text":"stuff","start":978.26,"end":978.5,"sentiment":"neutral","sentiment_score":0.045437559485435486}],"sentiment":"neutral","sentiment_score":0.045437559485435486,"channel":1,"num_words":1,"start":978.26,"end":978.5},{"sentences":[{"text":"it","start":978.375,"end":978.53503,"sentiment":"neutral","sentiment_score":0.058417908847332}],"sentiment":"neutral","sentiment_score":0.058417908847332,"channel":0,"num_words":1,"start":978.375,"end":978.53503},{"sentences":[{"text":"up","start":978.5,"end":978.66,"sentiment":"neutral","sentiment_score":0.0665518194437027}],"sentiment":"neutral","sentiment_score":0.0665518194437027,"channel":1,"num_words":1,"start":978.5,"end":978.66},{"sentences":[{"text":"should","start":978.53503,"end":978.775,"sentiment":"neutral","sentiment_score":0.08998292684555054}],"sentiment":"neutral","sentiment_score":0.08998292684555054,"channel":0,"num_words":1,"start":978.53503,"end":978.775},{"sentences":[{"text":"on","start":978.66,"end":978.82,"sentiment":"neutral","sentiment_score":0.06202593818306923}],"sentiment":"neutral","sentiment_score":0.06202593818306923,"channel":1,"num_words":1,"start":978.66,"end":978.82},{"sentences":[{"text":"do","start":978.775,"end":978.935,"sentiment":"neutral","sentiment_score":0.06356451660394669}],"sentiment":"neutral","sentiment_score":0.06356451660394669,"channel":0,"num_words":1,"start":978.775,"end":978.935},{"sentences":[{"text":"me.","start":978.82,"end":979.275,"sentiment":"neutral","sentiment_score":0.04771716892719269}],"sentiment":"neutral","sentiment_score":0.04771716892719269,"channel":1,"num_words":1,"start":978.82,"end":979.275},{"sentences":[{"text":"the old spinning circle for a moment while it loads, which can","start":978.935,"end":981.99,"sentiment":"neutral","sentiment_score":0.0062209987081587315}],"sentiment":"neutral","sentiment_score":0.0062209987081587315,"channel":0,"num_words":12,"start":978.935,"end":981.99},{"sentences":[{"text":"Yeah.","start":981.755,"end":982.255,"sentiment":"neutral","sentiment_score":0.0045666201040148735}],"sentiment":"neutral","sentiment_score":0.0045666201040148735,"channel":1,"num_words":1,"start":981.755,"end":982.255},{"sentences":[{"text":"take a moment just because of the amount of pages.","start":981.99,"end":984.56995,"sentiment":"neutral","sentiment_score":0.014385750610381364}],"sentiment":"neutral","sentiment_score":0.014385750610381364,"channel":0,"num_words":10,"start":981.99,"end":984.56995},{"sentences":[{"text":"Yeah.","start":984.955,"end":985.195,"sentiment":"neutral","sentiment_score":0.2147706001996994},{"text":"That's all good.","start":985.195,"end":985.835,"sentiment":"positive","sentiment_score":0.3958251376946767},{"text":"I hate the spinning circle.","start":985.835,"end":986.955,"sentiment":"negative","sentiment_score":-0.5653107404708863},{"text":"It makes me panic every time I see it.","start":986.955,"end":988.97504,"sentiment":"negative","sentiment_score":-0.6660200821028815}],"sentiment":"negative","sentiment_score":-0.4121382459998131,"channel":1,"num_words":18,"start":984.955,"end":988.97504},{"sentences":[{"text":"That is gonna","start":988.94995,"end":989.58997,"sentiment":"negative","sentiment_score":-0.5848247408866882}],"sentiment":"negative","sentiment_score":-0.5848247408866882,"channel":0,"num_words":3,"start":988.94995,"end":989.58997},{"sentences":[{"text":"I'm","start":989.435,"end":989.67505,"sentiment":"negative","sentiment_score":-0.6443225741386414}],"sentiment":"negative","sentiment_score":-0.6443225741386414,"channel":1,"num_words":1,"start":989.435,"end":989.67505},{"sentences":[{"text":"crash","start":989.58997,"end":989.91,"sentiment":"negative","sentiment_score":-0.6741500496864319}],"sentiment":"negative","sentiment_score":-0.6741500496864319,"channel":0,"num_words":1,"start":989.58997,"end":989.91},{"sentences":[{"text":"like,","start":989.67505,"end":990.17505,"sentiment":"negative","sentiment_score":-0.6589962244033813}],"sentiment":"negative","sentiment_score":-0.6589962244033813,"channel":1,"num_words":1,"start":989.67505,"end":990.17505},{"sentences":[{"text":"and not work?","start":989.91,"end":990.81,"sentiment":"negative","sentiment_score":-0.641038199265798}],"sentiment":"negative","sentiment_score":-0.641038199265798,"channel":0,"num_words":3,"start":989.91,"end":990.81},{"sentences":[{"text":"yeah.","start":990.315,"end":990.715,"sentiment":"neutral","sentiment_score":-0.3153703212738037},{"text":"Are you gonna crash again on me?","start":990.715,"end":992.155,"sentiment":"negative","sentiment_score":-0.40437994258744375},{"text":"Do you hate me?","start":992.155,"end":992.955,"sentiment":"negative","sentiment_score":-0.43568363785743713},{"text":"What's the go here?","start":992.955,"end":994.09503,"sentiment":"neutral","sentiment_score":-0.16613909602165222}],"sentiment":"negative","sentiment_score":-0.3470825534313917,"channel":1,"num_words":16,"start":990.315,"end":994.09503},{"sentences":[{"text":"Yep.","start":994.38995,"end":994.79,"sentiment":"neutral","sentiment_score":0.0550004243850708},{"text":"Yep.","start":994.79,"end":995.29,"sentiment":"neutral","sentiment_score":0.09084297716617584},{"text":"From here, so I'll obviously put in for, like, a next annual review next year as well.","start":996.28503,"end":1002.125,"sentiment":"neutral","sentiment_score":0.14315705264315887}],"sentiment":"neutral","sentiment_score":0.13576385770973406,"channel":0,"num_words":19,"start":994.38995,"end":1002.125},{"sentences":[{"text":"Yeah.","start":1001.76,"end":1002.08,"sentiment":"neutral","sentiment_score":0.1922186017036438},{"text":"Cool.","start":1002.08,"end":1002.4,"sentiment":"neutral","sentiment_score":0.29863548278808594}],"sentiment":"neutral","sentiment_score":0.24542704224586487,"channel":1,"num_words":2,"start":1001.76,"end":1002.4},{"sentences":[{"text":"Is there","start":1002.125,"end":1002.525,"sentiment":"neutral","sentiment_score":0.14686962217092514}],"sentiment":"neutral","sentiment_score":0.14686962217092514,"channel":0,"num_words":2,"start":1002.125,"end":1002.525},{"sentences":[{"text":"Yep.","start":1002.4,"end":1002.9,"sentiment":"neutral","sentiment_score":0.18857407569885257}],"sentiment":"neutral","sentiment_score":0.18857407569885257,"channel":1,"num_words":1,"start":1002.4,"end":1002.9},{"sentences":[{"text":"anything that you would like me to pencil in for this side of Christmas or in the New Year to discuss","start":1002.525,"end":1007.34,"sentiment":"neutral","sentiment_score":0.1939683524625642}],"sentiment":"neutral","sentiment_score":0.1939683524625642,"channel":0,"num_words":21,"start":1002.525,"end":1007.34},{"sentences":[{"text":"No.","start":1008.875,"end":1009.035,"sentiment":"neutral","sentiment_score":0.19206689298152924},{"text":"I think everything's pretty straightforward.","start":1009.035,"end":1010.795,"sentiment":"positive","sentiment_score":0.40155394077301027},{"text":"Like, the fact that you guys handle it all makes it so much easier for","start":1010.795,"end":1013.435,"sentiment":"positive","sentiment_score":0.5611626923084259}],"sentiment":"positive","sentiment_score":0.5055846181653795,"channel":1,"num_words":21,"start":1008.875,"end":1013.435},{"sentences":[{"text":"with","start":1013.42004,"end":1013.7934,"sentiment":"positive","sentiment_score":0.4071466624736786}],"sentiment":"positive","sentiment_score":0.4071466624736786,"channel":0,"num_words":1,"start":1013.42004,"end":1013.7934},{"sentences":[{"text":"me.","start":1013.435,"end":1013.935,"sentiment":"positive","sentiment_score":0.3992171883583069}],"sentiment":"positive","sentiment_score":0.3992171883583069,"channel":1,"num_words":1,"start":1013.435,"end":1013.935},{"sentences":[{"text":"you guys?","start":1013.7934,"end":1014.54004,"sentiment":"neutral","sentiment_score":0.19250202178955078},{"text":"I'm glad.","start":1014.54004,"end":1015.2,"sentiment":"positive","sentiment_score":0.5424329340457916}],"sentiment":"positive","sentiment_score":0.3674674779176712,"channel":0,"num_words":4,"start":1013.7934,"end":1015.2},{"sentences":[{"text":"But yeah.","start":1014.955,"end":1015.355,"sentiment":"neutral","sentiment_score":0.30623859167099},{"text":"And I've got no real questions.","start":1015.355,"end":1016.875,"sentiment":"neutral","sentiment_score":0.27893589188655216},{"text":"Like, I'm going to have 24, and I've seen everything.","start":1016.875,"end":1019.535,"sentiment":"neutral","sentiment_score":0.31216460317373274},{"text":"And, yeah, it looks good,","start":1019.595,"end":1021.135,"sentiment":"positive","sentiment_score":0.5595771908760071}],"sentiment":"positive","sentiment_score":0.3567662835121155,"channel":1,"num_words":23,"start":1014.955,"end":1021.135},{"sentences":[{"text":"Cool.","start":1021.82,"end":1022.32,"sentiment":"positive","sentiment_score":0.5133642554283142},{"text":"Alrighty.","start":1022.38,"end":1022.88,"sentiment":"positive","sentiment_score":0.3728966116905213},{"text":"I'll just give this a little refresh and see if it pops through, and just let me know once that circle alleviates your stress there.","start":1023.655,"end":1030.555,"sentiment":"neutral","sentiment_score":0.1797209620475769}],"sentiment":"neutral","sentiment_score":0.1992327747521577,"channel":0,"num_words":27,"start":1021.82,"end":1030.555},{"sentences":[{"text":"essentially.","start":1030.74,"end":1030.82,"sentiment":"neutral","sentiment_score":-0.06154298037290573},{"text":"It just said it's still loading.","start":1030.82,"end":1032.1,"sentiment":"neutral","sentiment_score":-0.17748204370339712},{"text":"Please be patient.","start":1032.1,"end":1032.9,"sentiment":"negative","sentiment_score":-0.3585079312324524},{"text":"That stresses me at more.","start":1032.9,"end":1034.235,"sentiment":"negative","sentiment_score":-0.46505231261253355}],"sentiment":"neutral","sentiment_score":-0.30181470662355425,"channel":1,"num_words":15,"start":1030.74,"end":1034.235},{"sentences":[{"text":"Makes it","start":1036.32,"end":1036.7999,"sentiment":"neutral","sentiment_score":-0.22385835647583008}],"sentiment":"neutral","sentiment_score":-0.22385835647583008,"channel":0,"num_words":2,"start":1036.32,"end":1036.7999},{"sentences":[{"text":"That's","start":1036.715,"end":1036.955,"sentiment":"negative","sentiment_score":-0.414961040019989}],"sentiment":"negative","sentiment_score":-0.414961040019989,"channel":1,"num_words":1,"start":1036.715,"end":1036.955},{"sentences":[{"text":"more","start":1036.7999,"end":1037.0399,"sentiment":"negative","sentiment_score":-0.47327905893325806}],"sentiment":"negative","sentiment_score":-0.47327905893325806,"channel":0,"num_words":1,"start":1036.7999,"end":1037.0399},{"sentences":[{"text":"what","start":1036.955,"end":1037.195,"sentiment":"negative","sentiment_score":-0.534479022026062}],"sentiment":"negative","sentiment_score":-0.534479022026062,"channel":1,"num_words":1,"start":1036.955,"end":1037.195},{"sentences":[{"text":"awkward.","start":1037.0399,"end":1037.5399,"sentiment":"negative","sentiment_score":-0.5010190010070801}],"sentiment":"negative","sentiment_score":-0.5010190010070801,"channel":0,"num_words":1,"start":1037.0399,"end":1037.5399},{"sentences":[{"text":"it does.","start":1037.195,"end":1037.775,"sentiment":"negative","sentiment_score":-0.3340248614549637}],"sentiment":"negative","sentiment_score":-0.3340248614549637,"channel":1,"num_words":2,"start":1037.195,"end":1037.775},{"sentences":[{"text":"You","start":1037.76,"end":1038.0,"sentiment":"neutral","sentiment_score":-0.134781613945961}],"sentiment":"neutral","sentiment_score":-0.134781613945961,"channel":0,"num_words":1,"start":1037.76,"end":1038.0},{"sentences":[{"text":"Yeah.","start":1037.835,"end":1038.075,"sentiment":"neutral","sentiment_score":-0.12507644295692444}],"sentiment":"neutral","sentiment_score":-0.12507644295692444,"channel":1,"num_words":1,"start":1037.835,"end":1038.075},{"sentences":[{"text":"mean","start":1038.0,"end":1038.1599,"sentiment":"neutral","sentiment_score":-0.12992069125175476}],"sentiment":"neutral","sentiment_score":-0.12992069125175476,"channel":0,"num_words":1,"start":1038.0,"end":1038.1599},{"sentences":[{"text":"It makes","start":1038.075,"end":1038.315,"sentiment":"neutral","sentiment_score":-0.185505673289299}],"sentiment":"neutral","sentiment_score":-0.185505673289299,"channel":1,"num_words":2,"start":1038.075,"end":1038.315},{"sentences":[{"text":"to be","start":1038.1599,"end":1038.3999,"sentiment":"neutral","sentiment_score":-0.16400276869535446}],"sentiment":"neutral","sentiment_score":-0.16400276869535446,"channel":0,"num_words":2,"start":1038.1599,"end":1038.3999},{"sentences":[{"text":"it","start":1038.315,"end":1038.475,"sentiment":"neutral","sentiment_score":-0.19024160504341123}],"sentiment":"neutral","sentiment_score":-0.19024160504341123,"channel":1,"num_words":1,"start":1038.315,"end":1038.475},{"sentences":[{"text":"patient?","start":1038.3999,"end":1038.64,"sentiment":"neutral","sentiment_score":-0.20394128561019895}],"sentiment":"neutral","sentiment_score":-0.20394128561019895,"channel":0,"num_words":1,"start":1038.3999,"end":1038.64},{"sentences":[{"text":"even","start":1038.475,"end":1038.715,"sentiment":"neutral","sentiment_score":-0.1767459213733673}],"sentiment":"neutral","sentiment_score":-0.1767459213733673,"channel":1,"num_words":1,"start":1038.475,"end":1038.715},{"sentences":[{"text":"Should","start":1038.64,"end":1038.88,"sentiment":"neutral","sentiment_score":-0.24595266580581665}],"sentiment":"neutral","sentiment_score":-0.24595266580581665,"channel":0,"num_words":1,"start":1038.64,"end":1038.88},{"sentences":[{"text":"worse.","start":1038.715,"end":1039.215,"sentiment":"neutral","sentiment_score":-0.2613106667995453}],"sentiment":"neutral","sentiment_score":-0.2613106667995453,"channel":1,"num_words":1,"start":1038.715,"end":1039.215},{"sentences":[{"text":"I reset the computer?","start":1038.88,"end":1039.86,"sentiment":"neutral","sentiment_score":-0.19527515396475792}],"sentiment":"neutral","sentiment_score":-0.19527515396475792,"channel":0,"num_words":4,"start":1038.88,"end":1039.86},{"sentences":[{"text":"Yeah.","start":1040.235,"end":1040.5549,"sentiment":"neutral","sentiment_score":-0.10566031187772752},{"text":"I'm like, do I do something?","start":1040.5549,"end":1041.9349,"sentiment":"neutral","sentiment_score":-0.15494387596845627},{"text":"Like, why are you still loading?","start":1042.475,"end":1043.9349,"sentiment":"neutral","sentiment_score":-0.20275628318389258}],"sentiment":"neutral","sentiment_score":-0.17322009744552466,"channel":1,"num_words":13,"start":1040.235,"end":1043.9349},{"sentences":[{"text":"Just while that's doing that, I'm gonna quickly check ID on file because we may need some updated ID to certify.","start":1044.96,"end":1051.5399,"sentiment":"neutral","sentiment_score":-0.05709235565293403},{"text":"I'll just quickly see when yours was expiring.","start":1051.9451,"end":1055.0851,"sentiment":"neutral","sentiment_score":-0.024175135418772697}],"sentiment":"neutral","sentiment_score":-0.048011743174544694,"channel":0,"num_words":29,"start":1044.96,"end":1055.0851},{"sentences":[{"text":"Yep.","start":1055.85,"end":1056.09,"sentiment":"neutral","sentiment_score":0.046925418078899384},{"text":"That's probably due for an update.","start":1056.09,"end":1057.71,"sentiment":"neutral","sentiment_score":-0.010647082546104988}],"sentiment":"neutral","sentiment_score":-0.0024224395996757914,"channel":1,"num_words":7,"start":1055.85,"end":1057.71},{"sentences":[{"text":"Yeah.","start":1058.5851,"end":1058.905,"sentiment":"neutral","sentiment_score":-0.05056488513946533},{"text":"We've had some changes to, like, anti money laundering legislation where there's a few extra checks that we need to do and just make sure that","start":1058.905,"end":1067.17,"sentiment":"neutral","sentiment_score":-0.007236436081047242}],"sentiment":"neutral","sentiment_score":-0.008841193453581244,"channel":0,"num_words":27,"start":1058.5851,"end":1067.17},{"sentences":[{"text":"Okay.","start":1066.975,"end":1067.475,"sentiment":"neutral","sentiment_score":0.009894300252199171}],"sentiment":"neutral","sentiment_score":0.009894300252199171,"channel":1,"num_words":1,"start":1066.975,"end":1067.475},{"sentences":[{"text":"it's always kind of valid on file.","start":1067.17,"end":1069.4299,"sentiment":"neutral","sentiment_score":0.02850932095732008},{"text":"Let's","start":1071.73,"end":1071.97,"sentiment":"neutral","sentiment_score":0.10499195754528046}],"sentiment":"neutral","sentiment_score":0.038069650530815125,"channel":0,"num_words":8,"start":1067.17,"end":1071.97},{"sentences":[{"text":"Yeah.","start":1071.9349,"end":1072.1749,"sentiment":"neutral","sentiment_score":0.18236126005649567}],"sentiment":"neutral","sentiment_score":0.18236126005649567,"channel":1,"num_words":1,"start":1071.9349,"end":1072.1749},{"sentences":[{"text":"have a","start":1071.97,"end":1072.21,"sentiment":"positive","sentiment_score":0.3885277807712555}],"sentiment":"positive","sentiment_score":0.3885277807712555,"channel":0,"num_words":2,"start":1071.97,"end":1072.21},{"sentences":[{"text":"Cool.","start":1072.1749,"end":1072.655,"sentiment":"positive","sentiment_score":0.4553837776184082}],"sentiment":"positive","sentiment_score":0.4553837776184082,"channel":1,"num_words":1,"start":1072.1749,"end":1072.655},{"sentences":[{"text":"look.","start":1072.21,"end":1072.71,"sentiment":"positive","sentiment_score":0.3912614285945892}],"sentiment":"positive","sentiment_score":0.3912614285945892,"channel":0,"num_words":1,"start":1072.21,"end":1072.71},{"sentences":[{"text":"It's getting done.","start":1072.655,"end":1073.795,"sentiment":"neutral","sentiment_score":0.29117563366889954},{"text":"Of course.","start":1073.9349,"end":1074.415,"sentiment":"neutral","sentiment_score":0.1516222357749939},{"text":"I went through.","start":1074.415,"end":1075.2,"sentiment":"neutral","sentiment_score":0.15495353440443674},{"text":"How are you?","start":1075.84,"end":1076.82,"sentiment":"neutral","sentiment_score":0.16349651912848154}],"sentiment":"neutral","sentiment_score":0.1938292302868583,"channel":1,"num_words":11,"start":1072.655,"end":1076.82},{"sentences":[{"text":"Yep.","start":1078.13,"end":1078.45,"sentiment":"neutral","sentiment_score":0.11481261253356934},{"text":"That's come through on our end.","start":1078.45,"end":1079.73,"sentiment":"neutral","sentiment_score":0.15802313387393951},{"text":"You should get a copy of those.","start":1079.73,"end":1081.285,"sentiment":"neutral","sentiment_score":0.1396349562065942},{"text":"And","start":1081.745,"end":1081.985,"sentiment":"neutral","sentiment_score":0.05818576365709305}],"sentiment":"neutral","sentiment_score":0.1399054581920306,"channel":0,"num_words":15,"start":1078.13,"end":1081.985},{"sentences":[{"text":"Yep.","start":1081.84,"end":1082.32,"sentiment":"neutral","sentiment_score":0.05269763991236687}],"sentiment":"neutral","sentiment_score":0.05269763991236687,"channel":1,"num_words":1,"start":1081.84,"end":1082.32},{"sentences":[{"text":"the last","start":1081.985,"end":1082.385,"sentiment":"neutral","sentiment_score":0.01962708681821823}],"sentiment":"neutral","sentiment_score":0.01962708681821823,"channel":0,"num_words":2,"start":1081.985,"end":1082.385},{"sentences":[{"text":"Got","start":1082.32,"end":1082.5599,"sentiment":"neutral","sentiment_score":0.024661142379045486}],"sentiment":"neutral","sentiment_score":0.024661142379045486,"channel":1,"num_words":1,"start":1082.32,"end":1082.5599},{"sentences":[{"text":"one","start":1082.385,"end":1082.625,"sentiment":"neutral","sentiment_score":0.019104480743408203}],"sentiment":"neutral","sentiment_score":0.019104480743408203,"channel":0,"num_words":1,"start":1082.385,"end":1082.625},{"sentences":[{"text":"it.","start":1082.5599,"end":1083.0599,"sentiment":"neutral","sentiment_score":0.016629375517368317}],"sentiment":"neutral","sentiment_score":0.016629375517368317,"channel":1,"num_words":1,"start":1082.5599,"end":1083.0599},{"sentences":[{"text":"I've got was September of last year, which I'm assuming has not expired.","start":1082.625,"end":1087.4249,"sentiment":"neutral","sentiment_score":0.015685915732039854},{"text":"Let's have a look.","start":1087.4249,"end":1088.225,"sentiment":"neutral","sentiment_score":0.03377075958997011},{"text":"See.","start":1088.225,"end":1088.385,"sentiment":"neutral","sentiment_score":0.015493995510041714},{"text":"Sorry.","start":1088.385,"end":1088.885,"sentiment":"neutral","sentiment_score":-0.014868076890707016}],"sentiment":"neutral","sentiment_score":0.017875045341880696,"channel":0,"num_words":19,"start":1082.625,"end":1088.885},{"sentences":[{"text":"That's all","start":1088.745,"end":1089.325,"sentiment":"neutral","sentiment_score":0.007393245352432132}],"sentiment":"neutral","sentiment_score":0.007393245352432132,"channel":1,"num_words":2,"start":1088.745,"end":1089.325},{"sentences":[{"text":"Okay.","start":1093.505,"end":1093.905,"sentiment":"neutral","sentiment_score":0.04671326279640198},{"text":"I'm trying to make it out as best I can.","start":1093.905,"end":1095.505,"sentiment":"neutral","sentiment_score":0.11988442540168762},{"text":"It looks","start":1095.505,"end":1095.9,"sentiment":"positive","sentiment_score":0.3602055460214615}],"sentiment":"neutral","sentiment_score":0.15122835452740008,"channel":0,"num_words":13,"start":1093.505,"end":1095.9},{"sentences":[{"text":"good.","start":1095.785,"end":1096.285,"sentiment":"neutral","sentiment_score":0.2980954647064209}],"sentiment":"neutral","sentiment_score":0.2980954647064209,"channel":1,"num_words":1,"start":1095.785,"end":1096.285},{"sentences":[{"text":"like February 2028 on the license system, kind of a bit blurry on the screenshot I can see, but it should be valid for another year and a half.","start":1095.98,"end":1105.04,"sentiment":"neutral","sentiment_score":0.08150301668150671}],"sentiment":"neutral","sentiment_score":0.08150301668150671,"channel":0,"num_words":29,"start":1095.98,"end":1105.04},{"sentences":[{"text":"Okay.","start":1105.55,"end":1105.87,"sentiment":"neutral","sentiment_score":0.23524919152259827},{"text":"Perfect.","start":1105.87,"end":1106.37,"sentiment":"positive","sentiment_score":0.45527735352516174},{"text":"I'm just","start":1106.8301,"end":1107.5701,"sentiment":"positive","sentiment_score":0.46684959530830383}],"sentiment":"positive","sentiment_score":0.4060564339160919,"channel":1,"num_words":4,"start":1105.55,"end":1107.5701},{"sentences":[{"text":"Amazing, Daniel.","start":1107.18,"end":1108.0801,"sentiment":"positive","sentiment_score":0.5740665197372437}],"sentiment":"positive","sentiment_score":0.5740665197372437,"channel":0,"num_words":2,"start":1107.18,"end":1108.0801},{"sentences":[{"text":"gonna double check it on my side as well to make sure.","start":1108.03,"end":1110.51,"sentiment":"positive","sentiment_score":0.3597487236062686},{"text":"I think it is 20","start":1110.51,"end":1111.55,"sentiment":"neutral","sentiment_score":0.17882775366306305}],"sentiment":"neutral","sentiment_score":0.3065366736229728,"channel":1,"num_words":17,"start":1108.03,"end":1111.55},{"sentences":[{"text":"Cool.","start":1111.425,"end":1111.925,"sentiment":"neutral","sentiment_score":0.1722867786884308}],"sentiment":"neutral","sentiment_score":0.1722867786884308,"channel":0,"num_words":1,"start":1111.425,"end":1111.925},{"sentences":[{"text":"28 from memory.","start":1111.55,"end":1112.6901,"sentiment":"neutral","sentiment_score":0.07001200939218204}],"sentiment":"neutral","sentiment_score":0.07001200939218204,"channel":1,"num_words":3,"start":1111.55,"end":1112.6901},{"sentences":[{"text":"Mhmm.","start":1113.1051,"end":1113.6051,"sentiment":"neutral","sentiment_score":0.05951697006821632},{"text":"Alrighty.","start":1115.505,"end":1116.005,"sentiment":"neutral","sentiment_score":0.12812501192092896}],"sentiment":"neutral","sentiment_score":0.09382099099457264,"channel":0,"num_words":2,"start":1113.1051,"end":1116.005},{"sentences":[{"text":"Yes.","start":1115.9501,"end":1116.27,"sentiment":"neutral","sentiment_score":0.11679252982139587}],"sentiment":"neutral","sentiment_score":0.11679252982139587,"channel":1,"num_words":1,"start":1115.9501,"end":1116.27},{"sentences":[{"text":"So","start":1116.145,"end":1116.305,"sentiment":"neutral","sentiment_score":0.1018388420343399}],"sentiment":"neutral","sentiment_score":0.1018388420343399,"channel":0,"num_words":1,"start":1116.145,"end":1116.305},{"sentences":[{"text":"20","start":1116.27,"end":1116.5901,"sentiment":"neutral","sentiment_score":0.1113526001572609}],"sentiment":"neutral","sentiment_score":0.1113526001572609,"channel":1,"num_words":1,"start":1116.27,"end":1116.5901},{"sentences":[{"text":"that's all","start":1116.305,"end":1116.865,"sentiment":"neutral","sentiment_score":0.15580954402685165}],"sentiment":"neutral","sentiment_score":0.15580954402685165,"channel":0,"num_words":2,"start":1116.305,"end":1116.865},{"sentences":[{"text":"28.","start":1116.5901,"end":1117.0701,"sentiment":"neutral","sentiment_score":0.1782183200120926}],"sentiment":"neutral","sentiment_score":0.1782183200120926,"channel":1,"num_words":1,"start":1116.5901,"end":1117.0701},{"sentences":[{"text":"perfect.","start":1116.865,"end":1117.365,"sentiment":"positive","sentiment_score":0.585209846496582}],"sentiment":"positive","sentiment_score":0.585209846496582,"channel":0,"num_words":1,"start":1116.865,"end":1117.365},{"sentences":[{"text":"It's all good.","start":1117.0701,"end":1117.845,"sentiment":"positive","sentiment_score":0.6302650372187296}],"sentiment":"positive","sentiment_score":0.6302650372187296,"channel":1,"num_words":3,"start":1117.0701,"end":1117.845},{"sentences":[{"text":"Amazing.","start":1118.545,"end":1119.045,"sentiment":"positive","sentiment_score":0.6155861616134644},{"text":"Is there anything else I can help you with before I let you go for your week?","start":1119.665,"end":1123.045,"sentiment":"neutral","sentiment_score":0.18317939866991603}],"sentiment":"neutral","sentiment_score":0.2072019966112243,"channel":0,"num_words":18,"start":1118.545,"end":1123.045},{"sentences":[{"text":"Now oh, could you just send that high growth transfer form to me, and I will just fill that in and send it off, and that's done, isn't it?","start":1123.765,"end":1131.06,"sentiment":"neutral","sentiment_score":0.0719486268173004}],"sentiment":"neutral","sentiment_score":0.0719486268173004,"channel":1,"num_words":29,"start":1123.765,"end":1131.06},{"sentences":[{"text":"Yeah.","start":1131.51,"end":1131.83,"sentiment":"neutral","sentiment_score":0.087215855717659},{"text":"That's right.","start":1131.83,"end":1132.55,"sentiment":"neutral","sentiment_score":0.1291874684393406},{"text":"So if it's easy for you, we can kind of post one out with a forward on envelope unless you're comfortable kind of printing and scanning and emailing.","start":1132.55,"end":1139.9648,"sentiment":"neutral","sentiment_score":0.08379932226879257},{"text":"What would","start":1139.9648,"end":1140.565,"sentiment":"neutral","sentiment_score":0.04251085966825485}],"sentiment":"neutral","sentiment_score":0.0841513192563346,"channel":0,"num_words":33,"start":1131.51,"end":1140.565},{"sentences":[{"text":"Yes.","start":1140.5,"end":1140.8201,"sentiment":"neutral","sentiment_score":0.05410180985927582}],"sentiment":"neutral","sentiment_score":0.05410180985927582,"channel":1,"num_words":1,"start":1140.5,"end":1140.8201},{"sentences":[{"text":"you prefer?","start":1140.565,"end":1141.225,"sentiment":"neutral","sentiment_score":0.05914279446005821}],"sentiment":"neutral","sentiment_score":0.05914279446005821,"channel":0,"num_words":2,"start":1140.565,"end":1141.225},{"sentences":[{"text":"That's all good.","start":1140.8201,"end":1141.4601,"sentiment":"neutral","sentiment_score":0.2743588089942932},{"text":"Yeah.","start":1141.4601,"end":1141.6201,"sentiment":"neutral","sentiment_score":0.17518821358680725},{"text":"As long as I've got one that I can just sort of just sign and away it goes and yeah.","start":1141.6201,"end":1146.375,"sentiment":"neutral","sentiment_score":0.1500688187777996},{"text":"That's I can forward it on any of the others.","start":1146.375,"end":1148.215,"sentiment":"neutral","sentiment_score":0.1399061679840088},{"text":"No problem.","start":1148.215,"end":1148.795,"sentiment":"neutral","sentiment_score":0.15973787754774094}],"sentiment":"neutral","sentiment_score":0.1588382903072569,"channel":1,"num_words":36,"start":1140.8201,"end":1148.795},{"sentences":[{"text":"Alrighty.","start":1149.2849,"end":1149.7849,"sentiment":"neutral","sentiment_score":0.17887520790100098},{"text":"I'll let the team know to send it digitally.","start":1149.845,"end":1151.705,"sentiment":"neutral","sentiment_score":0.188105755382114},{"text":"And if you run into any trouble at all, just give us a call.","start":1151.79,"end":1154.8501,"sentiment":"neutral","sentiment_score":0.1307284182735852}],"sentiment":"neutral","sentiment_score":0.15425103592375913,"channel":0,"num_words":24,"start":1149.2849,"end":1154.8501},{"sentences":[{"text":"Will do.","start":1155.095,"end":1155.655,"sentiment":"neutral","sentiment_score":0.20220641046762466},{"text":"Perfect.","start":1155.655,"end":1155.975,"sentiment":"positive","sentiment_score":0.5575154423713684},{"text":"Thank you so much for that.","start":1155.975,"end":1156.9349,"sentiment":"positive","sentiment_score":0.6735906799634298},{"text":"I really appreciate it.","start":1156.9349,"end":1157.85,"sentiment":"positive","sentiment_score":0.6716237813234329}],"sentiment":"positive","sentiment_score":0.5915359591062253,"channel":1,"num_words":13,"start":1155.095,"end":1157.85},{"sentences":[{"text":"No worries.","start":1158.1901,"end":1158.75,"sentiment":"positive","sentiment_score":0.39417916536331177},{"text":"Thank you so much for your time, and have a fantastic week.","start":1158.75,"end":1161.9701,"sentiment":"positive","sentiment_score":0.6131268590688705}],"sentiment":"positive","sentiment_score":0.5818486171109336,"channel":0,"num_words":14,"start":1158.1901,"end":1161.9701},{"sentences":[{"text":"You too enjoy the warm weather better than what we have.","start":1162.09,"end":1164.59,"sentiment":"positive","sentiment_score":0.8018637787212025}],"sentiment":"positive","sentiment_score":0.8018637787212025,"channel":1,"num_words":11,"start":1162.09,"end":1164.59},{"sentences":[{"text":"I will.","start":1164.8301,"end":1165.23,"sentiment":"positive","sentiment_score":0.4161141812801361},{"text":"I'm going straight for a sun walk right now.","start":1165.23,"end":1167.135,"sentiment":"positive","sentiment_score":0.44512086113293964},{"text":"Thank","start":1167.375,"end":1167.535,"sentiment":"positive","sentiment_score":0.7074757218360901}],"sentiment":"positive","sentiment_score":0.4621493195494016,"channel":0,"num_words":12,"start":1164.8301,"end":1167.535},{"sentences":[{"text":"Oh,","start":1167.53,"end":1167.77,"sentiment":"positive","sentiment_score":0.6406067609786987}],"sentiment":"positive","sentiment_score":0.6406067609786987,"channel":1,"num_words":1,"start":1167.53,"end":1167.77},{"sentences":[{"text":"you.","start":1167.535,"end":1168.035,"sentiment":"positive","sentiment_score":0.6085433959960938}],"sentiment":"positive","sentiment_score":0.6085433959960938,"channel":0,"num_words":1,"start":1167.535,"end":1168.035},{"sentences":[{"text":"beautiful.","start":1167.77,"end":1168.27,"sentiment":"positive","sentiment_score":0.7262284755706787},{"text":"Just take the whole day off the whole afternoon.","start":1168.49,"end":1171.47,"sentiment":"neutral","sentiment_score":0.299251730243365}],"sentiment":"positive","sentiment_score":0.34194940477609637,"channel":1,"num_words":10,"start":1167.77,"end":1171.47},{"sentences":[{"text":"No.","start":1172.335,"end":1172.8151,"sentiment":"neutral","sentiment_score":-0.2128343880176544},{"text":"Going till 07:00 tonight, so I'll be","start":1172.8151,"end":1174.975,"sentiment":"neutral","sentiment_score":-0.08349726349115372}],"sentiment":"neutral","sentiment_score":-0.0996644040569663,"channel":0,"num_words":8,"start":1172.335,"end":1174.975},{"sentences":[{"text":"Oh,","start":1174.975,"end":1175.1349,"sentiment":"negative","sentiment_score":-0.44310110807418823}],"sentiment":"negative","sentiment_score":-0.44310110807418823,"channel":1,"num_words":1,"start":1174.975,"end":1175.1349},{"sentences":[{"text":"back.","start":1174.975,"end":1175.475,"sentiment":"neutral","sentiment_score":-0.07900242507457733}],"sentiment":"neutral","sentiment_score":-0.07900242507457733,"channel":0,"num_words":1,"start":1174.975,"end":1175.475},{"sentences":[{"text":"that's just painful.","start":1175.1349,"end":1176.2749,"sentiment":"negative","sentiment_score":-0.5822322169939677},{"text":"Okay.","start":1176.495,"end":1176.995,"sentiment":"neutral","sentiment_score":-0.10786431282758711},{"text":"Alright.","start":1178.335,"end":1178.6549,"sentiment":"neutral","sentiment_score":0.03208421170711517}],"sentiment":"negative","sentiment_score":-0.364495350420475,"channel":1,"num_words":5,"start":1175.1349,"end":1178.6549},{"sentences":[{"text":"Alright,","start":1178.4349,"end":1178.835,"sentiment":"neutral","sentiment_score":0.1244734153151512}],"sentiment":"neutral","sentiment_score":0.1244734153151512,"channel":0,"num_words":1,"start":1178.4349,"end":1178.835},{"sentences":[{"text":"Thank you","start":1178.6549,"end":1178.975,"sentiment":"positive","sentiment_score":0.5986464619636536}],"sentiment":"positive","sentiment_score":0.5986464619636536,"channel":1,"num_words":2,"start":1178.6549,"end":1178.975},{"sentences":[{"text":"Daniel.","start":1178.835,"end":1179.2349,"sentiment":"positive","sentiment_score":0.3403671383857727}],"sentiment":"positive","sentiment_score":0.3403671383857727,"channel":0,"num_words":1,"start":1178.835,"end":1179.2349},{"sentences":[{"text":"so much","start":1178.975,"end":1179.375,"sentiment":"neutral","sentiment_score":0.33093948662281036}],"sentiment":"neutral","sentiment_score":0.33093948662281036,"channel":1,"num_words":2,"start":1178.975,"end":1179.375},{"sentences":[{"text":"See","start":1179.2349,"end":1179.4749,"sentiment":"positive","sentiment_score":0.39596855640411377}],"sentiment":"positive","sentiment_score":0.39596855640411377,"channel":0,"num_words":1,"start":1179.2349,"end":1179.4749},{"sentences":[{"text":"for","start":1179.375,"end":1179.5349,"sentiment":"positive","sentiment_score":0.49935126304626465}],"sentiment":"positive","sentiment_score":0.49935126304626465,"channel":1,"num_words":1,"start":1179.375,"end":1179.5349},{"sentences":[{"text":"you","start":1179.4749,"end":1179.5549,"sentiment":"positive","sentiment_score":0.41522061824798584}],"sentiment":"positive","sentiment_score":0.41522061824798584,"channel":0,"num_words":1,"start":1179.4749,"end":1179.5549},{"sentences":[{"text":"that.","start":1179.5349,"end":1179.695,"sentiment":"neutral","sentiment_score":0.14169618487358093}],"sentiment":"neutral","sentiment_score":0.14169618487358093,"channel":1,"num_words":1,"start":1179.5349,"end":1179.695},{"sentences":[{"text":"later.","start":1179.5549,"end":1180.0549,"sentiment":"neutral","sentiment_score":0.25191831588745117}],"sentiment":"neutral","sentiment_score":0.25191831588745117,"channel":0,"num_words":1,"start":1179.5549,"end":1180.0549},{"sentences":[{"text":"Really appreciate it.","start":1179.695,"end":1180.755,"sentiment":"positive","sentiment_score":0.7296924193700155}],"sentiment":"positive","sentiment_score":0.7296924193700155,"channel":1,"num_words":3,"start":1179.695,"end":1180.755},{"sentences":[{"text":"No worries.","start":1181.075,"end":1181.715,"sentiment":"neutral","sentiment_score":0.3051525801420212},{"text":"Bye.","start":1181.715,"end":1182.215,"sentiment":"neutral","sentiment_score":0.30229517817497253}],"sentiment":"neutral","sentiment_score":0.30420011281967163,"channel":0,"num_words":3,"start":1181.075,"end":1182.215},{"sentences":[{"text":"Thank you.","start":1182.0149,"end":1182.495,"sentiment":"positive","sentiment_score":0.6076178848743439},{"text":"Bye.","start":1182.495,"end":1182.995,"sentiment":"neutral","sentiment_score":-0.1069040521979332}],"sentiment":"positive","sentiment_score":0.3694439058502515,"channel":1,"num_words":3,"start":1182.0149,"end":1182.995}]},"summary":{"result":"success","short":"Representatives from Oakview provided Daniella with advice on her financial goals and liabilities, including mortgage, home, car, and offset, and discussed her retirement plans and risk profile. They also provided guidance on updating investments within both funds and warned about potential changes to the risk profile. The process of transferring assets from one portfolio to another was discussed, including filling out an investment switch form and completing a form. The risk reduction plan was discussed, and the conversation ended with the speaker thanking Daniella and promising to be back."},"intents":{"segments":[{"text":"I have an updated advice strategy to send through to you. Do you still have Yep.","start_word":49,"end_word":64,"intents":[{"intent":"Send strategy","confidence_score":0.13456815}]},{"text":"If you recall your client password with Oakview Oh, god.","start_word":100,"end_word":109,"intents":[{"intent":"Verify client password","confidence_score":0.018390605}]},{"text":"Do you want me to add a prompt down just in case if you ever forget, or do you think you'll always remember? No.","start_word":144,"end_word":167,"intents":[{"intent":"Add prompts","confidence_score":0.015723623},{"intent":"Add prompt","confidence_score":0.020290948}]},{"text":"Now are you okay for this call to be recorded? Yeah.","start_word":203,"end_word":213,"intents":[{"intent":"Record call","confidence_score":0.34685203}]},{"text":"Now I've sent that through to your Gmail account. Will you be able to look onto the document with me today, or should I just kinda Yeah.","start_word":219,"end_word":245,"intents":[{"intent":"Check account","confidence_score":0.00013507606}]},{"text":"So when you hit that sign button, it'll actually bring open the documents to scroll through with it. Beautiful. Yep.","start_word":263,"end_word":282,"intents":[{"intent":"Scroll documents","confidence_score":0.1668573}]},{"text":"So just to let you know what's here, we're in a bit of an updated plan. I've factored in everything that's been going on with government legislation changes, the markets, and all the discussions I've had with Dom as well just to Perfect.","start_word":300,"end_word":342,"intents":[{"intent":"Consider government legislation changes","confidence_score":0.021340113},{"intent":"Discuss future plans","confidence_score":0.0048022997}]},{"text":"So what this document covers essentially is a review of the superannuation, and your sort of Northern Star guiding goal is a bit of a joint early retirement for you guys. So as we refine things over time, we'll continually sort of reanalyze how you're tracking for that ultimate retirement Yeah. goal.","start_word":461,"end_word":512,"intents":[{"intent":"Refine documents","confidence_score":0.11849081},{"intent":"Recall retirement goals","confidence_score":0.000044339362}]},{"text":"So what this document covers essentially is a review of the superannuation, and your sort of Northern Star guiding goal is a bit of a joint early retirement for you guys. So as we refine things over time, we'll continually sort of reanalyze how you're tracking for that ultimate retirement Yeah. goal. Perfect.","start_word":461,"end_word":513,"intents":[{"intent":"Clarify goals","confidence_score":0.001980797}]},{"text":"So as we refine things over time, we'll continually sort of reanalyze how you're tracking for that ultimate retirement Yeah. goal.","start_word":492,"end_word":512,"intents":[{"intent":"Refine tasks","confidence_score":0.0069719558}]},{"text":"Portfolios, weren't doing anything crazy in terms of additional contributions or anything like that right now. Yep.","start_word":514,"end_word":530,"intents":[{"intent":"Arrange meetings","confidence_score":0.000085275045}]},{"text":"On the next page, limited scope. We weren't doing any insurance advice because of health concerns. We're just keeping your rest cover in place, but this does factor in the premiums and the impact that they do have on the super. Yep.","start_word":601,"end_word":642,"intents":[{"intent":"Maintain health coverage","confidence_score":0.00016724563}]},{"text":"And just out of curiosity, are you guys still planning after you pay down the mortgage to look towards investment properties?","start_word":720,"end_word":740,"intents":[{"intent":"Inquire about mortgage plans","confidence_score":0.0027014331}]},{"text":"And just out of curiosity, are you guys still planning after you pay down the mortgage to look towards investment properties? Is kind of a a long, long term thing? Yes.","start_word":720,"end_word":750,"intents":[{"intent":"Determine next steps","confidence_score":0.00023283232}]},{"text":"So I'm gonna But add I'm that also into your looking at increasing another day or half a day next year. So I don't know if that'll impact and how much that'll impact. file.","start_word":890,"end_word":923,"intents":[{"intent":"Determine impact of change","confidence_score":0.000028251472}]},{"text":"And when I do that next review with you guys next year, I can update those details, if your income next financial year has changed significantly. Alright.","start_word":950,"end_word":976,"intents":[{"intent":"Update financial information","confidence_score":0.025282538}]},{"text":"If you go past there, you'll see risk profile on the next two pages being high growth currently. We're not changing your risk profile. We're just Yep. dealing with the underlying investments at this point. Yep.","start_word":1148,"end_word":1183,"intents":[{"intent":"Discuss risk profile","confidence_score":0.00048756067}]},{"text":"Now what this essentially says is that we've had to factor in things like brokerage fees, capital gains tax inside the super, and try to make sure that we're lowering your investment costs, improving the performance, and not including any fees that are too high to warrant not changing any investments. If you go on the Okay.","start_word":1255,"end_word":1311,"intents":[{"intent":"Confirm plan","confidence_score":0.00024353972}]},{"text":"That's the So the main thing with all of our portfolios that we put together is brokerage fees because we use ETFs.","start_word":1394,"end_word":1415,"intents":[{"intent":"Discuss portfolios","confidence_score":0.08000541}]},{"text":"Now into the sort of detail side of things, you'll see projections and fee comparison on page sixteen, seventeen. You should see a blue Yep. table there. Yeah.","start_word":1511,"end_word":1538,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.15624323}]},{"text":"In terms of the Hub portfolio, the easiest way to understand this is in that second last column under target weight percentages, you'll see all the ones with zero that we're selling out of and all the ones with round figures that we're either rebalancing back to where they should be or the ones that we're including on the next page. We've Okay.","start_word":2129,"end_word":2191,"intents":[{"intent":"Manage portfolios","confidence_score":0.11210792}]},{"text":"pretty well just lets you know why you should have a will in place after Yes.","start_word":2538,"end_word":2553,"intents":[{"intent":"Educate about will in place","confidence_score":0.027269773}]},{"text":"I reset the computer? Yeah. I'm like, do I do something? Like, why are you still loading? Just while that's doing that, I'm gonna quickly check ID on file because we may need some updated ID to certify. I'll just quickly see when yours was expiring.","start_word":3135,"end_word":3180,"intents":[{"intent":"Evaluate computer usage","confidence_score":0.0019175587}]},{"text":"it's always kind of valid on file. Let's Yeah.","start_word":3216,"end_word":3224,"intents":[{"intent":"Verify validation","confidence_score":0.0058772597}]},{"text":"That's come through on our end. You should get a copy of those. And Yep.","start_word":3241,"end_word":3255,"intents":[{"intent":"Obtain confirmation","confidence_score":0.00093668175}]},{"text":"I've got was September of last year, which I'm assuming has not expired.","start_word":3261,"end_word":3273,"intents":[{"intent":"Verify expiration date","confidence_score":0.003650509}]},{"text":"Is there anything else I can help you with before I let you go for your week?","start_word":3365,"end_word":3381,"intents":[{"intent":"Provide assistance","confidence_score":0.149111}]},{"text":"Now oh, could you just send that high growth transfer form to me, and I will just fill that in and send it off, and that's done, isn't it? Yeah.","start_word":3382,"end_word":3411,"intents":[{"intent":"Send form","confidence_score":0.17352328}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Daniella. It's Tommy here from Oakview. How are you doing?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.19236087799072263},{"text":"Good. Thank you.","start_word":13,"end_word":15,"sentiment":"positive","sentiment_score":0.4884983599185944},{"text":"How are you?","start_word":16,"end_word":18,"sentiment":"neutral","sentiment_score":0.32008135318756104},{"text":"I'm doing absolutely fantastic. It's a beautiful overcast down in the Gold Coast.","start_word":19,"end_word":31,"sentiment":"positive","sentiment_score":0.5980286598205566},{"text":"What about your end? Oh, it's raining as per usual.","start_word":32,"end_word":41,"sentiment":"neutral","sentiment_score":0.06840519607067108},{"text":"Both having a fantastic time.","start_word":42,"end_word":46,"sentiment":"positive","sentiment_score":0.47519880533218384},{"text":"Yes.","start_word":47,"end_word":47,"sentiment":"neutral","sentiment_score":0.3187762498855591},{"text":"Wonderful.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.5754889249801636},{"text":"I have an updated advice strategy to send through to you. Do you still have Yep. a bit of time for me today? Yeah.","start_word":49,"end_word":72,"sentiment":"neutral","sentiment_score":0.1316494345664978},{"text":"That's all good. Perfect.","start_word":73,"end_word":76,"sentiment":"positive","sentiment_score":0.39929670095443726},{"text":"So while I pop that through to your email, I'm just gonna do Mhmm. a quick security check with you. Yeah. All good. If you recall your client password with Oakview Oh, god. Is it Lexi, by any chance? it is. Oh, I god. didn't have a a password prompt there, so I was gonna Oh, switch over to 3Point. But, yes, it is Lexi.","start_word":77,"end_word":141,"sentiment":"neutral","sentiment_score":0.06946934014558792},{"text":"perfect. Amazing.","start_word":142,"end_word":143,"sentiment":"positive","sentiment_score":0.4581075012683869},{"text":"Do you want me to add a prompt down just in case if you ever forget, or do you think you'll always remember? No. She's pretty much just my go to easy prompts password thing I'm that gonna I use write all that down. the time, Go so it's to easy. easy prompt password thing. Yeah. Cool. That'll work. Now are you okay for this call to be recorded? Yeah. All good and extra.","start_word":144,"end_word":217,"sentiment":"neutral","sentiment_score":0.07067063450813293},{"text":"Perfect.","start_word":218,"end_word":218,"sentiment":"positive","sentiment_score":0.335462749004364},{"text":"Now I've sent that through to your Gmail account. Will you be able to look onto the document with me today, or should I just kinda Yeah. walk It's you through it? just opening up. I just have to sign Beautiful. it. Easy. No. So when you hit that sign button, it'll actually bring open the documents to scroll through with it. Beautiful. Yep. Got it. Cool. So you should see that beachfront city Gold Coast picture. Yep. Got it.","start_word":219,"end_word":298,"sentiment":"neutral","sentiment_score":0.07710064202547073},{"text":"Amazing.","start_word":299,"end_word":299,"sentiment":"positive","sentiment_score":0.3566601872444153},{"text":"So just to let you know what's here, we're in a bit of an updated plan. I've factored in everything that's been going on with government legislation changes, the markets, and all the discussions I've had with Dom as well just to Perfect. make sure what you've got is as up to date as can be. Yep.","start_word":300,"end_word":356,"sentiment":"neutral","sentiment_score":0.13515957353407876},{"text":"And Beautiful.","start_word":357,"end_word":358,"sentiment":"positive","sentiment_score":0.4602653384208679},{"text":"in addition to the SOA, you also have, like, a consent form for Hub 24 and also just product documents for all the providers, Beautiful. which unfortunately is about 1,400 pages. So these are just for your records. God. Yep.","start_word":359,"end_word":398,"sentiment":"neutral","sentiment_score":0.08312704414129257},{"text":"Cool.","start_word":399,"end_word":399,"sentiment":"positive","sentiment_score":0.3616997003555298},{"text":"Yeah. So you don't have to read through them. They are skippable, but it will give you a copy as well.","start_word":400,"end_word":420,"sentiment":"neutral","sentiment_score":0.20696288347244263},{"text":"Lovely. Perfect.","start_word":421,"end_word":422,"sentiment":"positive","sentiment_score":0.5898309946060181},{"text":"Now if you have a little scroll through to me on pages four and five, it'll be three on the bottom of the document, four on the Odoo system. You'll see a scope of advice. Yep. Got it. So what this document covers essentially is a review of the superannuation, and your sort of Northern Star guiding goal is a bit of a joint early retirement for you guys. So as we refine things over time, we'll continually sort of reanalyze how you're tracking for that ultimate retirement Yeah. goal. Perfect. Portfolios, weren't doing anything crazy in terms of additional contributions or anything like that right now. Yep. And we have a bit of reminder in there in terms of estate planning just to make sure we've got, you know, a will power of attorney in place. I believe you guys had some will kits previously. Not sure if you guys finalized We haven't those. done them. They're still just sitting there. That's okay. It's always the way, and Terrible. it is just our our reminder. Yes. Beautiful. On the next page, limited scope. We weren't doing any insurance advice because of health concerns. We're just keeping your rest cover in place, but this does factor in the premiums and the impact that they do have on the super. Yep.","start_word":423,"end_word":642,"sentiment":"neutral","sentiment_score":0.06803744286298752},{"text":"All good.","start_word":643,"end_word":644,"sentiment":"positive","sentiment_score":0.34299811720848083},{"text":"Cool. In terms of the other goals, we've got your cash flow, debt management, investment goals, and everything listed. You've got beneficiaries in place. That's goals, and everything listed. You've got beneficiaries in place.","start_word":645,"end_word":678,"sentiment":"neutral","sentiment_score":0.18130578100681305},{"text":"That's great.","start_word":679,"end_word":680,"sentiment":"positive","sentiment_score":0.4806978404521942},{"text":"Essentially, you guys are comfortable managing your your personal goals, which is obviously, Yep.","start_word":681,"end_word":694,"sentiment":"neutral","sentiment_score":0.2339837551116943},{"text":"That's you all know, holiday good.","start_word":695,"end_word":700,"sentiment":"positive","sentiment_score":0.38065847754478455},{"text":"savings, debt repayments, mortgages, and so on, Yep. that's not covered in this document. Yep. Okay.","start_word":701,"end_word":716,"sentiment":"neutral","sentiment_score":-0.010068164207041264},{"text":"All good. Cool.","start_word":717,"end_word":719,"sentiment":"positive","sentiment_score":0.4165145456790924},{"text":"And just out of curiosity, are you guys still planning after you pay down the mortgage to look towards investment properties? Is kind of a a long, long term thing? Yes. Or More of a long long term than a anytime soon kind of goal, Yeah. but it Absolutely. is in there.","start_word":720,"end_word":771,"sentiment":"neutral","sentiment_score":0.053659066557884216},{"text":"Perfect.","start_word":772,"end_word":772,"sentiment":"positive","sentiment_score":0.5732544660568237},{"text":"I've essentially put down some priorities there just saying that, you know, you're doing some savings. You're paying down your mortgage. The properties are probably your third priority, Yeah. and then Definitely. everything else comes after that. Yep.","start_word":773,"end_word":810,"sentiment":"neutral","sentiment_score":0.19342389702796936},{"text":"Pretty much perfect. Perfect.","start_word":811,"end_word":814,"sentiment":"positive","sentiment_score":0.51426100730896},{"text":"If you scroll through, you'll see a red heading for limited advice warning saying exactly that. It's not covering everything. And if the information isn't accurate, that impacts the advice. Yep. Beautiful. In terms of your details, may need a little bit of updating here, but there's an about you section where we have you as a student counselor on about 41,000. Still doing part time. Yes. So I think it's, like, 45 now. Perfect. So I'm gonna But add I'm that also into your looking at increasing another day or half a day next year. So I don't know if that'll impact and how much that'll impact. file. Perfect. So what that will do is the extra day will obviously lead to more contributions, so a bit higher in terms of invested amounts. Yep. And when I do that next review with you guys next year, I can update those details, if your income next financial year has changed significantly. Alright.","start_word":815,"end_word":976,"sentiment":"neutral","sentiment_score":0.02815602533519268},{"text":"Perfect.","start_word":977,"end_word":977,"sentiment":"positive","sentiment_score":0.34054815769195557},{"text":"Easy as. In terms of assets and liabilities, we've got the mortgage, the home, the shares, the car, and the offset. I'm not sure if there's been any major, major changes. I know the market's kind of gone up and down a little bit in terms of the property side of things. No. Everything is pretty much exactly the same.","start_word":978,"end_word":1037,"sentiment":"neutral","sentiment_score":0.004192553926259279},{"text":"Perfect.","start_word":1038,"end_word":1038,"sentiment":"positive","sentiment_score":0.3558025658130646},{"text":"And then we've got your hub and your rest super funds listed there as well. Yes.","start_word":1039,"end_word":1054,"sentiment":"neutral","sentiment_score":0.0672103688120842},{"text":"Cool.","start_word":1055,"end_word":1055,"sentiment":"positive","sentiment_score":0.3484119772911072},{"text":"If you swing through, you'll see the insurances. I finally did get some information about the Ali insurances, which Yes. was quite strange because they would send us details for one of you guys with the rest of it redacted for the other person, and they were kind of not sending through a holistic view of that joint policy. Yeah. They're a bit painful. Little bit. Little bit. But we did get the information there, so we are tracking that one.","start_word":1056,"end_word":1136,"sentiment":"neutral","sentiment_score":-0.08918111771345139},{"text":"Perfect.","start_word":1137,"end_word":1137,"sentiment":"positive","sentiment_score":0.44403767585754395},{"text":"And the rest insurance is there as well. Yep.","start_word":1138,"end_word":1146,"sentiment":"neutral","sentiment_score":0.19030699133872983},{"text":"Lovely.","start_word":1147,"end_word":1147,"sentiment":"positive","sentiment_score":0.3801111876964569},{"text":"If you go past there, you'll see risk profile on the next two pages being high growth currently. We're not changing your risk profile. We're just Yep. dealing with the underlying investments at this point. Yep.","start_word":1148,"end_word":1183,"sentiment":"neutral","sentiment_score":-0.009913758374750614},{"text":"Beautiful.","start_word":1184,"end_word":1184,"sentiment":"positive","sentiment_score":0.348183274269104},{"text":"This one's a little bit text heavy, but if you go to pages twelve and thirteen, you'll see strategy recommendations. Yep. Got it. So what we're essentially recommending is to update the investments within both funds just to be in line with the risk profile and also do a bit of a top up rollover from rest into hub and just maintain that minimum for the insurances still. Yep.","start_word":1185,"end_word":1253,"sentiment":"neutral","sentiment_score":0.09396952390670776},{"text":"Beautiful.","start_word":1254,"end_word":1254,"sentiment":"positive","sentiment_score":0.35657620429992676},{"text":"Now what this essentially says is that we've had to factor in things like brokerage fees, capital gains tax inside the super, and try to make sure that we're lowering your investment costs, improving the performance, and not including any fees that are too high to warrant not changing any investments. If you go on the Okay. Perfect. next page so, again, I haven't projected you out to retirement just because it's so many years away. Oh, yeah. That I can't happened really in time soon. yeah. I can't accurately go decades and decades with any any uncertainty, but ten years is what we've put in this document. Yes. If you swing past there, last couple of sort of text heavy pages on fourteen and fifteen, you'll see advantages and disadvantages in a bit of a table there. Yeah. That's the So the main thing with all of our portfolios that we put together is brokerage fees because we use ETFs. And, essentially, yes. there's a that 0.11% you've gotta do to purchase them. Once you've got them, they're kind of the lowest fee investments going forward.","start_word":1255,"end_word":1441,"sentiment":"neutral","sentiment_score":-0.01598357413223083},{"text":"Okay. Perfect. Cool.","start_word":1442,"end_word":1444,"sentiment":"positive","sentiment_score":0.46460604667663574},{"text":"If you go past there, some usual warnings. We can't control the stock market in the world. If there's, Yep. you know, wars and financial crises, that'll impact things. But we do factor in a bit of a long term average because, you know, every five to seven years, there's something going on, and we need to make sure you still get there regardless.","start_word":1445,"end_word":1508,"sentiment":"neutral","sentiment_score":0.02640247344970703},{"text":"Perfect. Awesome.","start_word":1509,"end_word":1510,"sentiment":"positive","sentiment_score":0.5453633069992065},{"text":"Now into the sort of detail side of things, you'll see projections and fee comparison on page sixteen, seventeen. You should see a blue Yep. table there. Yeah. I got them.","start_word":1511,"end_word":1541,"sentiment":"neutral","sentiment_score":0.12156375497579576},{"text":"So good news for you is that with all of the investments, which is we're looking to do, it only came out to be about $238 in terms of capital gains tax inside Beautiful.","start_word":1542,"end_word":1575,"sentiment":"positive","sentiment_score":0.34170621633529663},{"text":"the super from switching everything out. K. Now I was expecting a few thousand that came out really good, and we're dropping the investment fees by about the same amount, and it's percentage based. So the larger your balance grows, the more fee savings there will be. The admin fees go up a little bit because obviously, hub twenty four is a bit more expensive than rest. Yep. Long average. So this one was a bit strange. I have kind of split the performance on the next page for you, but the long term average goes from about 5% to 11, And that's a combination of what REST was doing plus a couple of options inside Hub that weren't doing too well that we're switching out for both of those. So Okay.","start_word":1576,"end_word":1707,"sentiment":"neutral","sentiment_score":0.05190762132406235},{"text":"it's a Perfect. pretty large impact to get you back up into the double digits.","start_word":1708,"end_word":1722,"sentiment":"positive","sentiment_score":0.3891180455684662},{"text":"Okay. Cool. Projections wise, bit of a grain of salt. We're thinking over the next ten years, an additional 50,000 in your balance is pretty accurate for Yep. the performance and fees and everything all is said and done. Obviously, not factoring in additional work hours. Yeah. Yeah.","start_word":1723,"end_word":1770,"sentiment":"neutral","sentiment_score":0.19756917655467987},{"text":"That's very good.","start_word":1771,"end_word":1773,"sentiment":"positive","sentiment_score":0.5455469489097595},{"text":"On the next page, you'll see that full breakdown, and that's really just showing you the combined balances where it was and where it's going to and then a split between the old hub twenty four portfolio, the new one, the old rest portfolio, the new one. And Yep. what I'm basically trying to do is trying to get as many of them in line with double digit consistency across all time periods. Rest is a little bit behind in five and ten years, but it's not too bad. I would prefer prefer you to keep them in a high growth option for as long Yes. as you can rather than keeping it in the current growth option. So how do I do I just have to contact the rest and say move me to high grade? Is that how that works? Or So you can do it online, but we can fill out, like, an investment switch form, send it through to you, like, prefilled with some forward on envelopes, which if that's helpful, unless that'll you're be comfortable great. yeah. That'll Because be good. I actually I'll don't know what my password or anything is. So fair enough. So I'll get the team to prefill that along with it. Everything thank relating you. to hub in terms of rollovers and switches, we do online because we've got transaction access, and rest would just be a form.","start_word":1774,"end_word":2011,"sentiment":"neutral","sentiment_score":0.09170985221862792},{"text":"Perfect. Beautiful. Thank you.","start_word":2012,"end_word":2015,"sentiment":"positive","sentiment_score":0.6790000796318054},{"text":"Alrighty. Past there, so last two tables for you is investments, red heading on pages eighteen and nineteen. Should be quite a lot of figures on there. Yep. Yep. So can you make any of these figures out? Is it blurry? Is it clear? Alright. That is so clear. I just have no idea what her name it means. Cool. So the top few rows basically just says we wanna sell out of the growth fund in rest and move it to the high growth. Yep. That includes a partial rollover to Hub '24, and the remaining 8,000 will go into that new option as well as your contributions. Okay.","start_word":2016,"end_word":2125,"sentiment":"neutral","sentiment_score":0.09398283064365388},{"text":"Perfect. Cool.","start_word":2126,"end_word":2127,"sentiment":"positive","sentiment_score":0.5402814149856567},{"text":"In terms of the Hub portfolio, the easiest way to understand this is in that second last column under target weight percentages, you'll see all the ones with zero that we're selling out of and all the ones with round figures that we're either rebalancing back to where they should be or the ones that we're including on the next page. We've Okay. added Perfect. Yeah. five options for you. Basically, need to add in a bit of gold for some alternatives. We're switching out some of the term deposits because the government's phasing a certain type of them out called a bank hybrid. I need to get that switched out. Bennelong was the underperformer, so I'm switching that out with a low fee index fund and Yep. a little few extra satellites there as well. Alright.","start_word":2128,"end_word":2264,"sentiment":"neutral","sentiment_score":0.07716912776231766},{"text":"Perfect.","start_word":2265,"end_word":2265,"sentiment":"positive","sentiment_score":0.3509558141231537},{"text":"Now the last table for you is on page 20 slash 21. You'll see a pie chart Yep. there for your asset allocation. Yep. Got it. So long story short, 90 to a 100% of your funds should be in growth assets, like shares, property, and goals to be Yeah. high growth. You're sitting at just shy of 84. Once we switch both portfolios around and do the rollover, you'll be up to about 93 and a half. It'll Beautiful. fluctuate between there over time. Yep.","start_word":2266,"end_word":2351,"sentiment":"neutral","sentiment_score":0.06836654245853424},{"text":"Beautiful.","start_word":2352,"end_word":2352,"sentiment":"positive","sentiment_score":0.43840521574020386},{"text":"Cool. Just bear in mind too that given the way the world is at the moment, it's gonna be quite the roller coaster ride. It's gonna be going up and down quite a bit. And, Oh, yeah. I don't expect anything stable at all at the moment. Okay. yeah, it could be going up 10%, one month down 20% the next few months and then back up 50. It could be all over the shop. Yeah. That's yeah. I don't expect anything stable at all. We will aim for the long term averages like we normally do over five, seven, and ten years to try and hit those double digits. And then when you're closer to retirement, we'll start to scale back the risk to protect it once it's built. Yep. Yep.","start_word":2353,"end_word":2484,"sentiment":"neutral","sentiment_score":-0.11746488511562347},{"text":"Beautiful. Awesome.","start_word":2485,"end_word":2486,"sentiment":"positive","sentiment_score":0.7474203705787659},{"text":"So I know that was a bit of a flash info dump, but That's does it all. make sense That makes what we're sense. doing? So yeah. Yeah. It all makes sense. Yep. Cool. Any questions for me at this point? No. Nothing. Alrighty.","start_word":2487,"end_word":2530,"sentiment":"neutral","sentiment_score":0.0822918489575386},{"text":"Pretty straightforward, which After that, is good.","start_word":2531,"end_word":2537,"sentiment":"positive","sentiment_score":0.3544539511203766},{"text":"pretty well just lets you know why you should have a will in place after Yes. that, power of attorney as well. I know you can get some basic kits from Australia Post to the government approved, and we do have, like, some lawyers that we do know that do some slight discounts to do them online if you would like us to send one of those through unless you've still got those will kits. I've still got the little kids literally just sitting in my study. I just Yeah. have Okay. to open it and do it.","start_word":2538,"end_word":2635,"sentiment":"neutral","sentiment_score":0.11202976107597352},{"text":"Perfect.","start_word":2636,"end_word":2636,"sentiment":"positive","sentiment_score":0.5094414353370667},{"text":"We've reiterated the advice fees towards the back, and there is a consent form at the bottom. Yep. Second last page to consent. So with this whole package, there is a bit of a box that you can fill in some text if you wanna change any of the recommendations. If not, you basically just type in NA and then just sign end date. I will get the forms drafted up once we get this back signed. We have included you guys are still on the partner fee discount with us of 1.1 Oh, percent.","start_word":2637,"end_word":2731,"sentiment":"neutral","sentiment_score":0.1251479834318161},{"text":"So I've included that perfect.","start_word":2732,"end_word":2736,"sentiment":"positive","sentiment_score":0.3345358669757843},{"text":"updated consent form as well.","start_word":2737,"end_word":2741,"sentiment":"neutral","sentiment_score":0.2786422371864319},{"text":"Beautiful.","start_word":2742,"end_word":2742,"sentiment":"positive","sentiment_score":0.43244603276252747},{"text":"Now have you used this system before? I believe so. I wanna say Cool. So the only reminder here is that when you go there's, like, a begin button that brings you to the spots to sign. yes. What'll basically happen is you sign the authority to proceed here. You'll then move over to the next document, which is the appendix, which is not signable. It's a skip and then the consent form to sign. After that, there's just four more documents to kind of skip through and then validate at the end. Perfect. K. I think I'm halfway through, I think. And the keywords here. Well, I have to go over the documents. Yep. Thankfully, you don't have to scroll through the bottom of them all because, again, once you get that investment menu, 491 pages, you don't have to read all the investment options. No. Thank you. I'll just press validate. So, hopefully, that goes through and delete Yeah. And stuff it up should on do me. the old spinning circle for a moment while it loads, which can Yeah. take a moment just because of the amount of pages. Yeah.","start_word":2743,"end_word":2935,"sentiment":"neutral","sentiment_score":0.08043752954259438},{"text":"That's all good.","start_word":2936,"end_word":2938,"sentiment":"positive","sentiment_score":0.3918050527572632},{"text":"I hate the spinning circle. It makes me panic every time I see it. That is gonna I'm crash like, and not work?","start_word":2939,"end_word":2961,"sentiment":"negative","sentiment_score":-0.6279001832008362},{"text":"yeah.","start_word":2962,"end_word":2962,"sentiment":"neutral","sentiment_score":-0.3153703212738037},{"text":"Are you gonna crash again on me? Do you hate me?","start_word":2963,"end_word":2973,"sentiment":"negative","sentiment_score":-0.4171201884746551},{"text":"What's the go here? Yep. Yep. From here, so I'll obviously put in for, like, a next annual review next year as well. Yeah. Cool. Is there Yep. anything that you would like me to pencil in for this side of Christmas or in the New Year to discuss No.","start_word":2974,"end_word":3023,"sentiment":"neutral","sentiment_score":0.13127894699573517},{"text":"I think everything's pretty straightforward. Like, the fact that you guys handle it all makes it so much easier for with me.","start_word":3024,"end_word":3045,"sentiment":"positive","sentiment_score":0.4947877824306488},{"text":"you guys?","start_word":3046,"end_word":3047,"sentiment":"neutral","sentiment_score":0.2129068374633789},{"text":"I'm glad.","start_word":3048,"end_word":3049,"sentiment":"positive","sentiment_score":0.5457330942153931},{"text":"But yeah. And I've got no real questions. Like, I'm going to have 24, and I've seen everything.","start_word":3050,"end_word":3067,"sentiment":"neutral","sentiment_score":0.3032919764518738},{"text":"And, yeah, it looks good, Cool. Alrighty.","start_word":3068,"end_word":3074,"sentiment":"positive","sentiment_score":0.4875962734222412},{"text":"I'll just give this a little refresh and see if it pops through, and just let me know once that circle alleviates your stress there. essentially. It just said it's still loading.","start_word":3075,"end_word":3106,"sentiment":"neutral","sentiment_score":0.08747919648885727},{"text":"Please be patient. That stresses me at more. Makes it That's more what awkward.","start_word":3107,"end_word":3120,"sentiment":"negative","sentiment_score":-0.4056183993816376},{"text":"it does. You Yeah. mean It makes to be it patient? even Should worse. I reset the computer? Yeah. I'm like, do I do something? Like, why are you still loading? Just while that's doing that, I'm gonna quickly check ID on file because we may need some updated ID to certify. I'll just quickly see when yours was expiring. Yep. That's probably due for an update. Yeah. We've had some changes to, like, anti money laundering legislation where there's a few extra checks that we need to do and just make sure that Okay. it's always kind of valid on file. Let's Yeah.","start_word":3121,"end_word":3224,"sentiment":"neutral","sentiment_score":-0.05886547940854843},{"text":"have a Cool. look.","start_word":3225,"end_word":3228,"sentiment":"positive","sentiment_score":0.40862953662872314},{"text":"It's getting done. Of course. I went through. How are you? Yep. That's come through on our end. You should get a copy of those. And Yep. the last Got one it. I've got was September of last year, which I'm assuming has not expired. Let's have a look. See. Sorry. That's all Okay. I'm trying to make it out as best I can. It looks good. like February 2028 on the license system, kind of a bit blurry on the screenshot I can see, but it should be valid for another year and a half. Okay.","start_word":3229,"end_word":3325,"sentiment":"neutral","sentiment_score":0.09853549301624298},{"text":"Perfect. I'm just Amazing, Daniel. gonna double check it on my side as well to make sure.","start_word":3326,"end_word":3342,"sentiment":"positive","sentiment_score":0.41981932520866394},{"text":"I think it is 20 Cool. 28 from memory. Mhmm. Alrighty. Yes. So 20 that's all 28.","start_word":3343,"end_word":3359,"sentiment":"neutral","sentiment_score":0.12849625945091248},{"text":"perfect. It's all good. Amazing.","start_word":3360,"end_word":3364,"sentiment":"positive","sentiment_score":0.6153507828712463},{"text":"Is there anything else I can help you with before I let you go for your week? Now oh, could you just send that high growth transfer form to me, and I will just fill that in and send it off, and that's done, isn't it? Yeah. That's right. So if it's easy for you, we can kind of post one out with a forward on envelope unless you're comfortable kind of printing and scanning and emailing. What would Yes. you prefer? That's all good. Yeah. As long as I've got one that I can just sort of just sign and away it goes and yeah. That's I can forward it on any of the others. No problem. Alrighty. I'll let the team know to send it digitally. And if you run into any trouble at all, just give us a call. Will do.","start_word":3365,"end_word":3508,"sentiment":"neutral","sentiment_score":0.12631237506866455},{"text":"Perfect. Thank you so much for that. I really appreciate it. No worries. Thank you so much for your time, and have a fantastic week. You too enjoy the warm weather better than what we have. I will. I'm going straight for a sun walk right now. Thank Oh, you. beautiful.","start_word":3509,"end_word":3559,"sentiment":"positive","sentiment_score":0.6140174000870948},{"text":"Just take the whole day off the whole afternoon. No. Going till 07:00 tonight, so I'll be back.","start_word":3560,"end_word":3577,"sentiment":"neutral","sentiment_score":0.05047955736517906},{"text":"Oh, that's just painful.","start_word":3578,"end_word":3581,"sentiment":"negative","sentiment_score":-0.5323520302772522},{"text":"Okay. Alright. Alright, Thank you Daniel. so much See for you that. later.","start_word":3582,"end_word":3594,"sentiment":"neutral","sentiment_score":0.23293428122997284},{"text":"Really appreciate it.","start_word":3595,"end_word":3597,"sentiment":"positive","sentiment_score":0.7253681421279907},{"text":"No worries. Bye.","start_word":3598,"end_word":3600,"sentiment":"neutral","sentiment_score":0.31752991676330566},{"text":"Thank you.","start_word":3601,"end_word":3602,"sentiment":"positive","sentiment_score":0.6073521375656128},{"text":"Bye.","start_word":3603,"end_word":3603,"sentiment":"neutral","sentiment_score":0.3059920072555542}],"average":{"sentiment":"neutral","sentiment_score":0.0914774169921875}}}}