{"metadata":{"transaction_key":"deprecated","request_id":"019f688e-ad1d-7bb3-a0b3-89980bcc46ee","sha256":"141aa44125909ffc2ebeb5a097fd11510d76aea717e91099be14be1a338854a6","created":"2026-07-16T01:33:31.029Z","duration":1932.9839,"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":6414,"output_tokens":151},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7068,"output_tokens":7081},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7068,"output_tokens":144}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning. Is this Peter? This is Veronica from Oakview Financial. How are you? That's good. I had you booked in this morning to go over your annual review. Is now still a good time for you? Okay. Yeah. As long as you're happy to still kind of talk while you're driving. Yes. Okay. Perfect. I'll tryna make it quick for you. But before I do go any further, Peter, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yep. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep. Perfect. That's exactly what I have here. Now before I do kind of jump into things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions that you might have or whether it's just a bit of an update and see where everything's at? Yeah. And have you started thinking a bit more concrete, like, when you think you want to retire or start accessing some of your superannuation. Okay. So kind of okay. So the main focus is to kind of clear out the debt on the mortgage. And when you don't have that, obviously, over you, then potentially look through transition to retirement? Yeah. Yeah. Okay. Perfect. And, obviously, like you said, it does depend on how long you have left on the loan. But I do have here that, ideally, you wanna start drawing an income from super at 65. Do you still think that you might wanna transition a little bit? Yep. Yep. Okay. Ideally. But, yeah, no. That's all good. And if you when you do start drawing a bit of an income from super, even if it's, like, part time, I have here that, ideally, about a thousand dollars per week would give you what you need to cover living expenses and everything like that. Do you think that's still achievable, or do you think you you will need to draw a bit more? Yep. Yep. Okay. Perfect. Now what I will do here quickly as well, Peter, is just to run through just a bit of an updated fact line just to see if there is anything major that has changed you for need to make any tweaks and changes to your advice. So just bear with me as I do go through this. Now when it comes to your personal information, I have you down here as married with no financial dependence. Is that correct? Yes. And if yep. Yeah. They're but are they still at home or are they a bit older? No. Okay. Yeah. But sometimes gotta help a little bit, I get. I get that. Now next up, Kim. So in the event that something would've happened to you and we, for some reason, cannot get in touch with you at all, I have Kathy nominated. Is that still the case? Perfect. Now I don't actually have a phone number at for her. Would do you know where that is at all? Yeah. That's 428. Yep. Four five nine. Yep. 450. Great. Perfect. Thank you so much for that. Employment wise, has any of that changed? Are you still doing, like, the labor and truck driving on the weekend? Still the same? Okay. And with your your laborer, do you do that full time as well? Yes. And what's your income roughly from that? Do you know? 1,800 per fortnight, and that is after tax? Yep. And with the truck driving, how often or how many hours would you say that you do on that roughly? Okay. But how Yeah. 300 awake? Yeah. Yeah. Yeah. About the three 100. Yep. Yeah. And it that would be in, like, a a casual basis, I imagine. Yep. Okay. Okay. Yeah. Okay. And both jobs, they pay you that standard 12 percent contribution into super. There's no, like, special enterprise bargain agreement or not just a standard. Okay. Beautiful. And are you making any additional contributions yourself or just that from your two employers? Nope. That's all good. I do have here as well average expenses per week of about 1,300. Does that sound about right? A bit more like 15, or what do you reckon? About 15. And are you saving anything on, like, a weekly, monthly, or fortnightly basis? Basis? No. No. That's all good. Yeah. Most people have the same, especially with all their living expenses and interest rates and everything at the moment. So not a lot of people are feeling the same. Asset wise, your property I have here last was died at about 400,000. So roughly yeah. And mortgage was about 231 owing. Oh, beautiful. So you guys have made a pretty good progression on the loan, which is good. Do you also have the investment property as well? Yep. Yep. And I have here that it yeah? No. I was gonna say I have here that it was died at about $1.50 with nothing owing on it. Yeah. Okay. Now I also have here contents of about 100,000. Yep. And then a motor vehicle ride at about 60,000 with nothing owing. Yep. And then a trailer a camper trailer of about 40,000. Yeah. And then a u roughly around that, you reckon? Yeah. Yep. No. Alright. I'll just change it to 30. Obviously, they they do depreciate a little bit in value. And they use as well worth 15? Yep. Yep. Anything else that's changed us at Wise Peter in the last twelve months? None. Alright. Perfect. And when it comes to health and lifestyle, I have you down here as a non smoker and no significant health issues or injuries. Is that the case? Yep. Beautiful. And do you have private health insurance? No. And when it comes to estate planning, do you know if you have a will or power of attorney in place? No. Okay. So kind of on the to do list. And okay. Yes. Yeah. Yeah. Oh, I'm sorry to hear that. And, yeah, it's one of those things that often people just kinda put it off to the side, and you don't tend to think about it until either something happens to you or a loved one. And that's when you're like, oh, you can realize, obviously, the last thing you want is to leave you know, you want everything as smooth as possible if something ever would've happened to you so your loved ones, you know, don't have to worry too much. So do you guys have someone local that can assist you with it, or do you need any suggestions on someone? Yep. Because what I can do, if you would like, just as a bit of a comparison, is that I can send you an email with a firm that we work closely with, and it has all the pricing and everything like that as well. And then, obviously, you can even if you don't decide to do that, you can even use it as a bit of a price guide of when you are speaking to someone else to see roughly how much it might cost, if that would be helpful. Yeah. Yeah. Perfect. I will get the team to email that. And that also includes just, like, a basic will or if you wanna will a power of attorney or if you want to do it as a couple as well, they can do that as well. Yep. Otherwise, though, when it comes to your superannuation, so superannuation does not form part of the estate. So I have here that if something were to happen to you, you would like your super to go to Kathy. Is that correct? Yep. Because she is your spouse as well, if something were to happen, it will go completely tax free to her, which is good. Yep. Otherwise, you don't have anyone who makes any financial decisions in on your behalf? No. Perfect. That's often the case. They're like, not not officially, but my wife or husband does, kind of. So that's all good. And, hey, Kathy. How are you? That's good. Now the next thing I do quickly wanna run through that with you, Peter, is just your risk profile just to see if we need to make any tweaks and changes to your risk tolerance or how your money is invested, if any of that has changed. So it is just a couple of multiple choice questions to make it nice and easy, and you just let me know whatever you feel is the most appropriate for you. Does that make sense? Yep. Now have you ever bought direct shares on the stock market yourself? Nope. And when it comes through how much risk you are willing to take for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Between, yep, between high to moderate. Yep. No. Especially with time as well, that's when that comes in handy that, you know, typically, market always goes up over the long term. The short term, there will be some ups and downs and market fluctuations depending on what is going on. And we also wanna make sure that you have enough time for those fluctuations to come back around before you do want to access it. Now kind of talking about fluctuations, if you placed an investment and then let's say after six months, it fell by 20%, Would you, if you had the option to do so, think that, well, now is potentially a good time to put a little bit more in while the prices are down? Would you be just kind of a bit neutral, just kind of wait and see what happens, Or do you think you would want to sell out of that investment and move through something a little bit more secure, but that means you're also then kind of selling when the prices have dropped? Yes. Yeah. Mhmm. And it and it's more talking about, like, market trends. So not like, let's say, one investment that's just gone bad, just kind of like market trends. So kind of, obviously, going back to COVID, we saw quite a bit of fluctuations. Last twelve months hang it up. Okay. Perfect. Yep. Now if you had any investments or superannuation or anything else falling value, how would that make you feel? Would you say optimistic about potential future investments, a bit cautious, not making further investments, or would you say that you'll be a bit more concerned or anxious? A little bit cautious. Yep. Yeah. Yes. Sorry. Exactly. Exactly. Which also plays yeah. It plays a big a part role. So when we do assess, obviously, risk profile, it's it's time is one of the big things that we consider, but also how you feel about certain situations. Because I have some clients at 70 that goes, not put me in high risk. I'm happy. I understand it. Often, you see the older you get, the more defensive you become because, like you touched on, you don't have as much time. So then at the same time, I have some 20 year olds that go, oh, no. I don't wanna see any fluctuations, and they're super defensive. So time does play a big role, but then also how you would feel in a situation kind of plays in as well, if that makes sense. Yeah. Gradually. And that's Yeah. So what we can do is sorry. I have one more question first, and then I'll go into the risk profile for you. So the last one here is just in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? No. And with the investment no. And with the investment property that you have, did you ever take out a loan for it, or did you buy it outright? Yep. Okay. Yeah. Okay. Perfect. Now, Peter, that tells me here that you have come out as a balanced growth investor. And at the moment, we have you in a growth portfolio. Do you know the difference between those two at all? No. So in a growth portfolio, which is how you are currently invested, it is typically for investors who are looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time. Also, someone who is you know, understand that there will be some higher level of fluctuations in order to achieve that growth. Now when it comes to how the money is actually then invested, we see about 80 invested in what we call your growth assets. Now this is a combination of Australian shares, international shares, and property as well, And that is what's going to maximize the growth for you. And then we have about 20% in defensive. So that would be a combination of fixed interest, cash, and gold to try not limit fluctuations a little bit. Now the difference then between a balanced growth is kind of on the scale that is one step down, so slightly more defensive. Now a balanced growth is typically for investors who are looking at getting some growth still out of your superannuation while you are working and you are contributing through this superannuation from your employer, but you want a slightly more conservative element to your portfolio in order to kinda limit fluctuations a little bit because you don't have as much time. Now when it then comes to the money being invested, it's about a 10% difference from the growth one. So you will have about 70% in growth. So still focusing on growing it, but then you have about 30 in defensive to limit fluctuations a little bit. Does that make sense? Yeah. Now factoring in time as well, a balanced growth portfolio, we typically want to see about five years until retirement, making sure you have enough time for the market fluctuation. Whereas in a growth portfolio, we want at least six ideally. So from that, do you feel like there's one that you align with a little bit more? Yeah. The balance growth. Yeah. Because what I can do for you, Peter, especially as you are getting closer, and I think what you were telling me, a balance growth is quite suitable. But, obviously, before you make up your mind, what I would like to do is because every time we do make a change, there there can be some capital gains tax, which we wanna minimize, but then also you wanna look at, you know, total fees and also the performance between the two portfolio and how that's going to change things for you. So what I can do is that I'm more than happy to do do some research between your current growth portfolio and a potential balance growth portfolio, especially because it's been a little bit of time as well with your investments. And, obviously, a lot has happened in the market in the last twelve months, and it is good to do a bit of a bit of an assessment and see if there's anyone that has underperformed, if we wanna change anything. So I'm more than happy to put together a proposal for you, run that through with you, and then you can see what it would look like if we do move to a balance growth to reduce risk a little bit. That way you have all the information. And then following that, you can decide if you would like to go ahead with the change or if you prefer to leave it as is. But then at least you have a little bit more information. Would that be helpful? Yeah? Okay. Perfect. Now it will take me about a week to put that together for you. Do you know what your schedule is like next week at all? Yeah? Okay. Ah, lovely. Now let me have a look. Now let me have do you normally prefer mornings or afternoons or around kind of lunchtime? Midmorning? Okay. So at the moment, I have availability. So on Wednesday, the twenty second, I could do either at 12PM or I could do 09:30. Otherwise, Thursday the twenty third, I could do 11AM again. 09:30? Alright. Perfect. Well, I will yeah? 09:30 on Wednesday? Yep. Okay. Perfect. I will book that in for you, Peter. If anything does change, if you change any of your plans and you can't make it, just let me know, and I will we can see if we can get that rescheduled for you. Now the last thing I do wanna let you know as well is that I have sent you an email with some documents. Now, obviously, as you're driving, please don't get it up. It wouldn't be safe to do so. So later when you are not driving and when you have a bit of time, just have a look through them and let me know if you have any questions. But, basically, what I have sent you is a summary of your superannuation. So it does show you your current superannuation with hub twenty four and that your current balance is about 258,556. Now it also shows you a performance report. So it shows you kind of how your investments have performed in the last twelve months. And now I'm sure you've obviously heard on on the news the bit of fluctuations we have had in the last twelve months. So, obviously, first with US and then Trump and tariffs and everything saw a bit of movement. And, obviously, more recently with the war as well, we have seen a bit of movement. Now in saying that, though, and this is all after fees. So after all fees have been deducted from your account, your portfolio has still, you know, gone up in the last twelve months, which is good given what has happened. The last twelve months, it's about 5.35%. Now that also attributes to the fact that you are in a growth portfolio, so you can see more fluctuations when there are more volatility in the market. So like I said, I will do a bit more in-depth on the difference between your your growth and your balance growth and also deep diving into some of those investments to see if there's potentially some we wanna change out for some other ones for you. Now what you will also see is an OQ services guide. Now you probably would have seen this a couple of times before. It is one of those compliance documents, but it does give you all the important information in regards to us here at OQ. So when you have a moment, just have a read through it. None of the important information has changed, but we've had a bit of an extension to the team, which is nice, and also a bit of an update marketing. If you do wanna have a read over it, you will actually see myself on page 10 if you do wanna put a face to the voice as well. And then the last two documents, it will ask you to add a signature if you are happy to do so. Now one is a tax fund number form. It basically just says that we are keeping your tax fund number secure and safe on-site. The other one is your ongoing service agreement. So this is the one to say that you are happy to stay on as a client. Now, Peter, there is no changes whatsoever in regards to the fee structure. So it hasn't increased or anything like that. It stays exactly the same at 1.65 from superannuation, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing this, otherwise, it allows us to manage all your investments and everything for you in the meantime. Does that make sense? Yep. Perfect. And it's not like a one off fee that comes out of your account once a year either. It is just deducted month monthly to give you that flexibility as well. Yep. Now do you have questions in regards to anything I have gone through today? For age pension, do you mean? Mhmm. No. Sorry. No. Correct. Sorry. The choice is completely up to you. Now if you decided that you wanna retire today as you have turned 60, you could realistically take everything completely tax free. If you are still working, there are restrictions between 60 and 65. In that, you can take up to 10% tax free. After 65, there is no restrictions on how much you can take out if you are still working. But like I said, if you decide tomorrow to stop working, you can take everything. You can decide how you want to take it. You can take it all as a lump sum, or what most people do is to just draw an income. Because by drawing an income, it gives you more, obviously, flexibility, but it also ensures that the rest of the money that you haven't taken out, instead of it being, like, in a in a cash account, it will continue to be invested and continue to grow. You can obviously adjust how much you want to take out depending on your life situation and what is going on. Yeah. This yeah. Mhmm. Mhmm. Mhmm. Yeah. Yes and no. Not typically because it is designed to provide for each of your retirement. Now if you wanted 1com combined super fund, the only way to do that is through a self managed super fund, because then you can have two trustees. So yeah. There is ways where you can move money. So let's say you could like, if Kathy decides, obviously, she would have to keep her own super fund, but she could transfer money to you and vice versa through different spousal contributions. But there's obviously a lot to kind of factor in whether that would be the best for the two of you. Yeah. Yeah. Yeah. Well, at least it's good, though, because you will get some money, obviously, by working. Your employer will pay a little bit, which obviously will will help as well, which which is good. But, yeah, it is a good question because a lot of people do ask. But, yeah, unfortunately, because it's designed to obviously provide for your individual retirement. Yeah. At least at the moment, that's that's the rule. A bit messy sometimes. Yes. Yeah. Exactly. Now do you guys have any other questions for me before I let you go and enjoy the rest of your morning, otherwise? No? Okay. Perfect. Now like I said, Peter, I do have you booked in next Wednesday, the twenty second at 09:30AM to go through that research with you. In the meantime, if you could have a look through that email I sent through, have a look through spam as well in case it does end up there. If you have any questions in regards to the document, just send me an email or give me a call. Otherwise, if you are happy to do so, it will just ask for your signature. It automatically comes back to us so we can get that all loaded and sorted for you. And I will also get the team to email you that lawyer information so that you have it on hand if that would be helpful. Yep. Alright. Beautiful. Well, thank you so much for your time this morning, the two of you, and I look forward to speaking with you, Peter, next Wednesday. No worries. We'll speak soon. Bye.","confidence":0.99902344,"words":[{"word":"good","start":2.0,"end":2.24,"confidence":1.0,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.34596043825149536},{"word":"morning","start":2.24,"end":2.56,"confidence":1.0,"punctuated_word":"morning.","sentiment":"neutral","sentiment_score":0.2701658010482788},{"word":"is","start":2.56,"end":2.72,"confidence":0.9741211,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1253281533718109},{"word":"this","start":2.72,"end":2.96,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.17613880336284635},{"word":"peter","start":2.96,"end":3.46,"confidence":0.9753418,"punctuated_word":"Peter?","sentiment":"neutral","sentiment_score":0.2042907178401947},{"word":"this","start":5.6,"end":5.8399997,"confidence":0.9838867,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.10971102863550186},{"word":"is","start":5.8399997,"end":6.08,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07874125242233276},{"word":"veronica","start":6.08,"end":6.56,"confidence":0.9941406,"punctuated_word":"Veronica","sentiment":"neutral","sentiment_score":0.11661319434642792},{"word":"from","start":6.56,"end":6.7999997,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.13678358495235443},{"word":"oakview","start":6.7999997,"end":7.2799997,"confidence":0.51275635,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.12095046043395996},{"word":"financial","start":7.2799997,"end":7.7799997,"confidence":0.9975586,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.13597507774829865},{"word":"how","start":8.0,"end":8.16,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.13292841613292694},{"word":"are","start":8.16,"end":8.32,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12276826798915864},{"word":"you","start":8.32,"end":8.82,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.12205347418785097},{"word":"that's","start":11.36,"end":11.759999,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7397522926330566},{"word":"good","start":11.759999,"end":12.259999,"confidence":0.9941406,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7247781157493591},{"word":"i","start":13.035,"end":13.275,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5470823049545288},{"word":"had","start":13.275,"end":13.515,"confidence":0.9980469,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.5376779437065125},{"word":"you","start":13.515,"end":13.675,"confidence":0.9921875,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.42341148853302},{"word":"booked","start":13.675,"end":13.915,"confidence":0.99902344,"punctuated_word":"booked","sentiment":"positive","sentiment_score":0.441411167383194},{"word":"in","start":13.915,"end":14.155,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5062739253044128},{"word":"this","start":14.155,"end":14.315001,"confidence":0.99902344,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.5141252279281616},{"word":"morning","start":14.315001,"end":14.635,"confidence":1.0,"punctuated_word":"morning","sentiment":"positive","sentiment_score":0.4765170812606811},{"word":"to","start":14.635,"end":14.795,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4039681553840637},{"word":"go","start":14.795,"end":14.955,"confidence":0.99609375,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.4461982548236847},{"word":"over","start":14.955,"end":15.195,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.47942355275154114},{"word":"your","start":15.195,"end":15.434999,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4386696517467499},{"word":"annual","start":15.434999,"end":15.755,"confidence":0.98535156,"punctuated_word":"annual","sentiment":"positive","sentiment_score":0.49398013949394226},{"word":"review","start":15.755,"end":16.075,"confidence":0.9980469,"punctuated_word":"review.","sentiment":"positive","sentiment_score":0.3860703110694885},{"word":"is","start":16.075,"end":16.235,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"positive","sentiment_score":0.3613778054714203},{"word":"now","start":16.235,"end":16.475,"confidence":0.9980469,"punctuated_word":"now","sentiment":"positive","sentiment_score":0.35317927598953247},{"word":"still","start":16.475,"end":16.715,"confidence":0.9902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.31693723797798157},{"word":"a","start":16.715,"end":16.795,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.41882187128067017},{"word":"good","start":16.795,"end":16.955,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3864409029483795},{"word":"time","start":16.955,"end":17.195,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.48450738191604614},{"word":"for","start":17.195,"end":17.355,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.40764668583869934},{"word":"you","start":17.355,"end":17.855,"confidence":1.0,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.35629862546920776},{"word":"okay","start":21.515,"end":21.915,"confidence":0.9926758,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10648293793201448},{"word":"yeah","start":21.915,"end":22.154999,"confidence":0.78125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13073712587356567},{"word":"as","start":22.154999,"end":22.314999,"confidence":0.9980469,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.11627327650785446},{"word":"long","start":22.314999,"end":22.474998,"confidence":0.99609375,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.14968973398208618},{"word":"as","start":22.474998,"end":22.635,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1530008763074875},{"word":"you're","start":22.635,"end":22.795,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.19919872283935547},{"word":"happy","start":22.795,"end":23.115,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.21777969598770144},{"word":"to","start":23.115,"end":23.275,"confidence":0.9580078,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24269381165504456},{"word":"still","start":23.275,"end":23.515,"confidence":0.9614258,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.19551612436771393},{"word":"kind","start":23.515,"end":23.675,"confidence":0.95166016,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.24098528921604156},{"word":"of","start":23.675,"end":23.915,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2691333293914795},{"word":"talk","start":23.915,"end":24.154999,"confidence":0.9970703,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.29443037509918213},{"word":"while","start":24.154999,"end":24.314999,"confidence":0.9980469,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.2451704293489456},{"word":"you're","start":24.314999,"end":24.555,"confidence":0.9902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.20038215816020968},{"word":"driving","start":24.555,"end":25.055,"confidence":0.81640625,"punctuated_word":"driving.","sentiment":"neutral","sentiment_score":0.21937894821166992},{"word":"yes","start":26.76,"end":27.26,"confidence":0.744751,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10252363979816435},{"word":"okay","start":28.36,"end":28.86,"confidence":1.0,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2730892598628998},{"word":"perfect","start":28.92,"end":29.42,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.54286128282547},{"word":"i'll","start":29.64,"end":29.88,"confidence":0.9904785,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.37922367453575134},{"word":"tryna","start":29.88,"end":30.279999,"confidence":0.7114258,"punctuated_word":"tryna","sentiment":"positive","sentiment_score":0.47897982597351074},{"word":"make","start":30.279999,"end":30.36,"confidence":0.9970703,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3818824291229248},{"word":"it","start":30.36,"end":30.86,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.395834743976593},{"word":"quick","start":31.08,"end":31.4,"confidence":0.7026367,"punctuated_word":"quick","sentiment":"positive","sentiment_score":0.4303550124168396},{"word":"for","start":31.4,"end":31.64,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3805488049983978},{"word":"you","start":31.64,"end":32.04,"confidence":0.9658203,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3790108561515808},{"word":"but","start":32.04,"end":32.28,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.10696056485176086},{"word":"before","start":32.28,"end":32.6,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.025517594069242477},{"word":"i","start":32.6,"end":32.76,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04833771288394928},{"word":"do","start":32.76,"end":32.92,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.033834293484687805},{"word":"go","start":32.92,"end":33.079998,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04932619631290436},{"word":"any","start":33.079998,"end":33.239998,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.005970954895019531},{"word":"further","start":33.239998,"end":33.559998,"confidence":0.9995117,"punctuated_word":"further,","sentiment":"neutral","sentiment_score":-0.02030966803431511},{"word":"peter","start":33.559998,"end":33.96,"confidence":0.99560547,"punctuated_word":"Peter,","sentiment":"neutral","sentiment_score":0.05047609657049179},{"word":"i","start":33.96,"end":34.04,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06492401659488678},{"word":"just","start":34.04,"end":34.28,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.017424948513507843},{"word":"need","start":34.28,"end":34.52,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.026754602789878845},{"word":"to","start":34.52,"end":34.68,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03887894004583359},{"word":"let","start":34.68,"end":34.92,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.033858925104141235},{"word":"you","start":34.92,"end":35.08,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06918606162071228},{"word":"know","start":35.08,"end":35.239998,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.043782785534858704},{"word":"that","start":35.239998,"end":35.48,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.037914227694272995},{"word":"our","start":35.48,"end":35.559998,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.0035666897892951965},{"word":"calls","start":35.559998,"end":35.879997,"confidence":1.0,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.015659376978874207},{"word":"are","start":35.879997,"end":36.04,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.009018927812576294},{"word":"being","start":36.04,"end":36.28,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.00789102166891098},{"word":"recorded","start":36.28,"end":36.76,"confidence":1.0,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":0.005589328706264496},{"word":"for","start":36.76,"end":36.92,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.012547880411148071},{"word":"quality","start":36.92,"end":37.239998,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.04014000296592712},{"word":"and","start":37.239998,"end":37.48,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02587530761957169},{"word":"coaching","start":37.48,"end":37.879997,"confidence":1.0,"punctuated_word":"coaching","sentiment":"neutral","sentiment_score":0.062079161405563354},{"word":"purposes","start":37.879997,"end":38.379997,"confidence":0.8232422,"punctuated_word":"purposes,","sentiment":"neutral","sentiment_score":0.05488168075680733},{"word":"if","start":38.44,"end":38.6,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11391708254814148},{"word":"that's","start":38.6,"end":38.84,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.09886018931865692},{"word":"okay","start":38.84,"end":39.079998,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.04377827048301697},{"word":"with","start":39.079998,"end":39.32,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05203893780708313},{"word":"you","start":39.32,"end":39.735,"confidence":0.873291,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.10287048667669296},{"word":"yep","start":41.495,"end":41.975002,"confidence":0.98291016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04097151756286621},{"word":"and","start":41.975002,"end":42.215,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03553614020347595},{"word":"just","start":42.215,"end":42.455,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.029536962509155273},{"word":"to","start":42.455,"end":42.615,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02181275375187397},{"word":"confirm","start":42.615,"end":42.935,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.040813006460666656},{"word":"i","start":42.935,"end":43.095,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03218495473265648},{"word":"am","start":43.095,"end":43.335,"confidence":1.0,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.027663344517350197},{"word":"speaking","start":43.335,"end":43.655,"confidence":1.0,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":0.019765783101320267},{"word":"with","start":43.655,"end":43.895,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.019101019948720932},{"word":"the","start":43.895,"end":43.975,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03166244924068451},{"word":"right","start":43.975,"end":44.375,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.05628526955842972},{"word":"person","start":44.375,"end":44.875,"confidence":0.99609375,"punctuated_word":"person,","sentiment":"neutral","sentiment_score":0.04347691684961319},{"word":"just","start":45.095,"end":45.415,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.028422798961400986},{"word":"for","start":45.415,"end":45.655,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.005561821162700653},{"word":"security","start":45.655,"end":46.155,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.027643773704767227},{"word":"purposes","start":46.215,"end":46.715,"confidence":0.99902344,"punctuated_word":"purposes,","sentiment":"neutral","sentiment_score":0.04429788142442703},{"word":"could","start":47.015,"end":47.335,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.05128267779946327},{"word":"i","start":47.335,"end":47.655,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04478437826037407},{"word":"please","start":47.655,"end":48.055,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.031163275241851807},{"word":"get","start":48.055,"end":48.215,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.04842595383524895},{"word":"you","start":48.215,"end":48.535,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04628564417362213},{"word":"to","start":48.535,"end":48.775,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05069182068109512},{"word":"confirm","start":48.775,"end":49.275,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.04179248958826065},{"word":"your","start":49.335,"end":49.575,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03959039598703384},{"word":"full","start":49.575,"end":49.815002,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.06131836771965027},{"word":"name","start":49.815002,"end":50.315002,"confidence":0.99902344,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.03766885399818421},{"word":"date","start":50.375,"end":50.615,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.050870224833488464},{"word":"of","start":50.615,"end":50.775,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04513131454586983},{"word":"birth","start":50.775,"end":51.095,"confidence":0.99316406,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.0548928827047348},{"word":"and","start":51.095,"end":51.415,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03887619823217392},{"word":"address","start":51.415,"end":51.895,"confidence":1.0,"punctuated_word":"address,","sentiment":"neutral","sentiment_score":0.0319141261279583},{"word":"please","start":51.895,"end":52.395,"confidence":0.9941406,"punctuated_word":"please?","sentiment":"neutral","sentiment_score":0.037549763917922974},{"word":"yep","start":59.649998,"end":60.149998,"confidence":0.96875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1702321469783783},{"word":"perfect","start":60.21,"end":60.69,"confidence":0.99365234,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5504260063171387},{"word":"that's","start":60.69,"end":60.93,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.538350522518158},{"word":"exactly","start":60.93,"end":61.329998,"confidence":1.0,"punctuated_word":"exactly","sentiment":"positive","sentiment_score":0.5838680267333984},{"word":"what","start":61.329998,"end":61.57,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.5613437294960022},{"word":"i","start":61.57,"end":61.649998,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5229083299636841},{"word":"have","start":61.649998,"end":61.969997,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5019162893295288},{"word":"here","start":61.969997,"end":62.469997,"confidence":1.0,"punctuated_word":"here.","sentiment":"positive","sentiment_score":0.5156429409980774},{"word":"now","start":63.649998,"end":64.049995,"confidence":0.61572266,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.16721153259277344},{"word":"before","start":64.049995,"end":64.369995,"confidence":0.9951172,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.032040126621723175},{"word":"i","start":64.369995,"end":64.45,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0671553835272789},{"word":"do","start":64.45,"end":64.61,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06052448973059654},{"word":"kind","start":64.61,"end":64.85,"confidence":0.9394531,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.05414348840713501},{"word":"of","start":64.85,"end":64.93,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04505639895796776},{"word":"jump","start":64.93,"end":65.17,"confidence":0.9980469,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.04243041202425957},{"word":"into","start":65.17,"end":65.49,"confidence":0.99609375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.028513070195913315},{"word":"things","start":65.49,"end":65.99,"confidence":0.99902344,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.040623851120471954},{"word":"i","start":66.049995,"end":66.21,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0649913027882576},{"word":"do","start":66.21,"end":66.369995,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05777233466506004},{"word":"like","start":66.369995,"end":66.61,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06170355901122093},{"word":"to","start":66.61,"end":66.77,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06698118150234222},{"word":"start","start":66.77,"end":66.93,"confidence":0.9980469,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.05992978811264038},{"word":"by","start":66.93,"end":67.17,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.04212801530957222},{"word":"asking","start":67.17,"end":67.49,"confidence":1.0,"punctuated_word":"asking","sentiment":"neutral","sentiment_score":0.06487363576889038},{"word":"if","start":67.49,"end":67.65,"confidence":0.9472656,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07298906147480011},{"word":"there","start":67.65,"end":67.81,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06310930103063583},{"word":"is","start":67.81,"end":67.97,"confidence":0.96777344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.055448852479457855},{"word":"anything","start":67.97,"end":68.47,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.05821029096841812},{"word":"specific","start":68.585,"end":68.985,"confidence":1.0,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":0.04603298753499985},{"word":"that","start":68.985,"end":69.225,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05574186891317368},{"word":"you","start":69.225,"end":69.725,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0666605681180954},{"word":"are","start":69.865,"end":70.104996,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05786309391260147},{"word":"hoping","start":70.104996,"end":70.424995,"confidence":0.99902344,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.060401298105716705},{"word":"to","start":70.424995,"end":70.505,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07741597294807434},{"word":"get","start":70.505,"end":70.744995,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.09090562909841536},{"word":"out","start":70.744995,"end":70.905,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1321977972984314},{"word":"of","start":70.905,"end":71.064995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15265989303588867},{"word":"the","start":71.064995,"end":71.305,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14349837601184845},{"word":"review","start":71.305,"end":71.704994,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.12074540555477142},{"word":"today","start":71.704994,"end":72.024994,"confidence":1.0,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.1310239136219025},{"word":"or","start":72.024994,"end":72.185,"confidence":0.87841797,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09870325028896332},{"word":"any","start":72.185,"end":72.424995,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06857078522443771},{"word":"particular","start":72.424995,"end":72.924995,"confidence":1.0,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":0.06463918834924698},{"word":"questions","start":72.985,"end":73.384995,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.06255534291267395},{"word":"that","start":73.384995,"end":73.625,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05565459653735161},{"word":"you","start":73.625,"end":73.784996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04470765218138695},{"word":"might","start":73.784996,"end":74.024994,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.03446109965443611},{"word":"have","start":74.024994,"end":74.424995,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.027076132595539093},{"word":"or","start":74.424995,"end":74.585,"confidence":0.66259766,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.041838426142930984},{"word":"whether","start":74.585,"end":74.825,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.019990425556898117},{"word":"it's","start":74.825,"end":74.985,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03763171285390854},{"word":"just","start":74.985,"end":75.225,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.028770238161087036},{"word":"a","start":75.225,"end":75.305,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04993675649166107},{"word":"bit","start":75.305,"end":75.465,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07529859244823456},{"word":"of","start":75.465,"end":75.545,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08410774171352386},{"word":"an","start":75.545,"end":75.704994,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.05455896258354187},{"word":"update","start":75.704994,"end":76.024994,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.05071783810853958},{"word":"and","start":76.024994,"end":76.265,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.031796373426914215},{"word":"see","start":76.265,"end":76.424995,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.04038650542497635},{"word":"where","start":76.424995,"end":76.585,"confidence":0.99316406,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.009015150368213654},{"word":"everything's","start":76.585,"end":77.064995,"confidence":0.98339844,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":0.0194283165037632},{"word":"at","start":77.064995,"end":77.564995,"confidence":0.7548828,"punctuated_word":"at?","sentiment":"neutral","sentiment_score":-0.0004103872925043106},{"word":"yeah","start":87.399994,"end":87.899994,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0012003500014543531},{"word":"and","start":88.03999,"end":88.35999,"confidence":0.99316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.011048894375562668},{"word":"have","start":88.35999,"end":88.6,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.026000529527664185},{"word":"you","start":88.6,"end":89.1,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.008690416812896729},{"word":"started","start":89.399994,"end":89.88,"confidence":0.9980469,"punctuated_word":"started","sentiment":"neutral","sentiment_score":-0.02638133615255356},{"word":"thinking","start":89.88,"end":90.28,"confidence":1.0,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.001914769411087036},{"word":"a","start":90.28,"end":90.439995,"confidence":0.8232422,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03055155836045742},{"word":"bit","start":90.439995,"end":90.759995,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.044137269258499146},{"word":"more","start":90.759995,"end":91.079994,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.04840846732258797},{"word":"concrete","start":91.079994,"end":91.56,"confidence":0.7626953,"punctuated_word":"concrete,","sentiment":"neutral","sentiment_score":-0.010083954781293867},{"word":"like","start":91.56,"end":91.799995,"confidence":0.8510742,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0020119771361351013},{"word":"when","start":91.799995,"end":91.96,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.004148103296756744},{"word":"you","start":91.96,"end":92.2,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010002434253692629},{"word":"think","start":92.2,"end":92.439995,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.012466326355934145},{"word":"you","start":92.439995,"end":92.939995,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0155465230345726},{"word":"want","start":93.275,"end":93.595,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.011919282376766205},{"word":"to","start":93.595,"end":93.675,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010026291012763975},{"word":"retire","start":93.675,"end":94.175,"confidence":1.0,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.002655215561389923},{"word":"or","start":94.395,"end":94.715,"confidence":0.9819336,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.026775233447551727},{"word":"start","start":94.715,"end":95.034996,"confidence":0.9838867,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.016581080853939056},{"word":"accessing","start":95.034996,"end":95.515,"confidence":1.0,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":0.02623036876320839},{"word":"some","start":95.515,"end":95.755,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.00657142698764801},{"word":"of","start":95.755,"end":95.835,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.006896808743476868},{"word":"your","start":95.835,"end":96.155,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.010085396468639374},{"word":"superannuation","start":96.155,"end":96.655,"confidence":0.914917,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.016924843192100525},{"word":"okay","start":110.19,"end":110.69,"confidence":0.9951172,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.05217093229293823},{"word":"so","start":110.91,"end":111.23,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.061757419258356094},{"word":"kind","start":111.23,"end":111.39,"confidence":0.9550781,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.09943675994873048},{"word":"of","start":111.39,"end":111.63,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1278192102909088},{"word":"okay","start":118.11,"end":118.61,"confidence":0.99853516,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.0283981766551733},{"word":"so","start":118.67,"end":118.83,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04385184869170189},{"word":"the","start":118.83,"end":118.99,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03568384796380997},{"word":"main","start":118.99,"end":119.23,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.030332796275615692},{"word":"focus","start":119.23,"end":119.63,"confidence":1.0,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":-0.016234003007411957},{"word":"is","start":119.63,"end":119.79,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.008359752595424652},{"word":"to","start":119.79,"end":119.95,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011993549764156342},{"word":"kind","start":119.95,"end":120.11,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.0058936625719070435},{"word":"of","start":120.11,"end":120.61,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007231622934341431},{"word":"clear","start":120.725,"end":120.965,"confidence":1.0,"punctuated_word":"clear","sentiment":"neutral","sentiment_score":-0.04116290807723999},{"word":"out","start":120.965,"end":121.125,"confidence":0.8408203,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.02250044047832489},{"word":"the","start":121.125,"end":121.284996,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08741922676563263},{"word":"debt","start":121.284996,"end":121.524994,"confidence":0.99609375,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.08881863206624985},{"word":"on","start":121.524994,"end":121.685,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.15899090468883514},{"word":"the","start":121.685,"end":121.84499,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1368955224752426},{"word":"mortgage","start":121.84499,"end":122.325,"confidence":0.8083496,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":-0.05157192796468735},{"word":"and","start":122.325,"end":122.48499,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01462298259139061},{"word":"when","start":122.48499,"end":122.645,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.007275782525539398},{"word":"you","start":122.645,"end":122.80499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.014280978590250015},{"word":"don't","start":122.80499,"end":123.125,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.003394100349396467},{"word":"have","start":123.125,"end":123.284996,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.008110973984003067},{"word":"that","start":123.284996,"end":123.685,"confidence":0.861084,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.01232137717306614},{"word":"obviously","start":123.685,"end":124.185,"confidence":0.99658203,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.00978611782193184},{"word":"over","start":124.244995,"end":124.48499,"confidence":0.8388672,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.004463028162717819},{"word":"you","start":124.48499,"end":124.80499,"confidence":0.94311523,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.002399718388915062},{"word":"then","start":124.80499,"end":125.30499,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.01642562448978424},{"word":"potentially","start":125.445,"end":125.945,"confidence":0.98095703,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.004369184374809265},{"word":"look","start":126.005,"end":126.244995,"confidence":0.9819336,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.01996530219912529},{"word":"through","start":126.244995,"end":126.48499,"confidence":0.6582031,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.006456013768911362},{"word":"transition","start":126.48499,"end":126.98499,"confidence":0.73828125,"punctuated_word":"transition","sentiment":"neutral","sentiment_score":0.0023917555809020996},{"word":"to","start":127.524994,"end":127.685,"confidence":0.9404297,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009584810584783554},{"word":"retirement","start":127.685,"end":128.185,"confidence":0.9248047,"punctuated_word":"retirement?","sentiment":"neutral","sentiment_score":0.013462824746966362},{"word":"yeah","start":130.165,"end":130.665,"confidence":0.7149658,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22138363122940063},{"word":"yeah","start":130.965,"end":131.285,"confidence":0.8232422,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22769376635551453},{"word":"okay","start":131.285,"end":131.685,"confidence":0.9621582,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.33086174726486206},{"word":"perfect","start":131.685,"end":132.185,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6055408716201782},{"word":"and","start":132.405,"end":132.905,"confidence":0.9536133,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.30735868215560913},{"word":"obviously","start":133.25,"end":133.65,"confidence":0.9995117,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.277998685836792},{"word":"like","start":133.65,"end":133.89,"confidence":0.9970703,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3386383056640625},{"word":"you","start":133.89,"end":134.05,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2596149146556854},{"word":"said","start":134.05,"end":134.20999,"confidence":0.9995117,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.20663732290267944},{"word":"it","start":134.20999,"end":134.29,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19653403759002688},{"word":"does","start":134.29,"end":134.53,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.18955208361148831},{"word":"depend","start":134.53,"end":134.84999,"confidence":0.99902344,"punctuated_word":"depend","sentiment":"neutral","sentiment_score":0.2283850461244583},{"word":"on","start":134.84999,"end":135.01,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2353515177965164},{"word":"how","start":135.01,"end":135.25,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.15346814692020416},{"word":"long","start":135.25,"end":135.49,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.16773951053619385},{"word":"you","start":135.49,"end":135.73,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13713207840919495},{"word":"have","start":135.73,"end":136.20999,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1202021911740303},{"word":"left","start":136.20999,"end":136.70999,"confidence":0.9970703,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.15234756469726562},{"word":"on","start":137.41,"end":137.65,"confidence":0.6611328,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1817256212234497},{"word":"the","start":137.65,"end":137.89,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25800833106040955},{"word":"loan","start":137.89,"end":138.39,"confidence":0.8569336,"punctuated_word":"loan.","sentiment":"neutral","sentiment_score":0.22152504324913025},{"word":"but","start":139.09,"end":139.33,"confidence":0.91503906,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.11738096177577972},{"word":"i","start":139.33,"end":139.41,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16419628262519836},{"word":"do","start":139.41,"end":139.65,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18936564028263092},{"word":"have","start":139.65,"end":139.97,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15813741087913513},{"word":"here","start":139.97,"end":140.37,"confidence":0.9536133,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.1815066635608673},{"word":"that","start":140.37,"end":140.84999,"confidence":0.92407227,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.14661264419555664},{"word":"ideally","start":140.84999,"end":141.33,"confidence":1.0,"punctuated_word":"ideally,","sentiment":"neutral","sentiment_score":0.19415566325187683},{"word":"you","start":141.33,"end":141.56999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16038118302822113},{"word":"wanna","start":141.56999,"end":141.89,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2070917785167694},{"word":"start","start":141.89,"end":142.20999,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.1997352689504623},{"word":"drawing","start":142.20999,"end":142.45,"confidence":0.99609375,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":0.2115333527326584},{"word":"an","start":142.45,"end":142.61,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1760687381029129},{"word":"income","start":142.61,"end":142.93,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.2162615954875946},{"word":"from","start":142.93,"end":143.25,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.13632073998451233},{"word":"super","start":143.25,"end":143.65,"confidence":0.89208984,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2648140788078308},{"word":"at","start":143.65,"end":143.89,"confidence":0.69189453,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12405427545309068},{"word":"65","start":143.89,"end":144.95,"confidence":0.99780273,"punctuated_word":"65.","sentiment":"neutral","sentiment_score":0.16975390911102295},{"word":"do","start":145.48999,"end":145.56999,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.06855130195617676},{"word":"you","start":145.56999,"end":145.81,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06691405922174454},{"word":"still","start":145.81,"end":146.20999,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.08242148160934448},{"word":"think","start":146.20999,"end":146.53,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04690321534872055},{"word":"that","start":146.53,"end":146.77,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08426957577466965},{"word":"you","start":146.77,"end":147.01,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06542568653821945},{"word":"might","start":147.01,"end":147.51,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.09218651056289671},{"word":"wanna","start":147.975,"end":148.215,"confidence":0.9770508,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0913603901863098},{"word":"transition","start":148.215,"end":148.715,"confidence":0.9291992,"punctuated_word":"transition","sentiment":"neutral","sentiment_score":0.10542279481887816},{"word":"a","start":148.775,"end":149.015,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08605362474918365},{"word":"little","start":149.015,"end":149.175,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.0606946162879467},{"word":"bit","start":149.175,"end":149.675,"confidence":0.99902344,"punctuated_word":"bit?","sentiment":"neutral","sentiment_score":0.1162748634815216},{"word":"yep","start":152.295,"end":152.795,"confidence":0.9770508,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.023478876799345016},{"word":"yep","start":158.535,"end":159.015,"confidence":0.9609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05822436138987541},{"word":"okay","start":159.015,"end":159.515,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1440209150314331},{"word":"ideally","start":159.575,"end":160.075,"confidence":0.7746582,"punctuated_word":"Ideally.","sentiment":"neutral","sentiment_score":0.1806500405073166},{"word":"but","start":160.295,"end":160.795,"confidence":0.94799805,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.04917752742767334},{"word":"yeah","start":162.09001,"end":162.17,"confidence":0.9658203,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.02673535794019699},{"word":"no","start":162.17,"end":162.33,"confidence":0.78686523,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":0.020695529878139496},{"word":"that's","start":162.33,"end":162.65001,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.27075737714767456},{"word":"all","start":162.65001,"end":162.89,"confidence":0.94921875,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3666224479675293},{"word":"good","start":162.89,"end":163.39,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1716199666261673},{"word":"and","start":163.61,"end":164.11,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21444931626319885},{"word":"if","start":164.25,"end":164.49,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.27305352687835693},{"word":"you","start":164.49,"end":164.73001,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2603071928024292},{"word":"when","start":164.97,"end":165.13,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.29496467113494873},{"word":"you","start":165.13,"end":165.21,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30815747380256653},{"word":"do","start":165.21,"end":165.45001,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2395205795764923},{"word":"start","start":165.45001,"end":165.77,"confidence":0.9980469,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.2391345202922821},{"word":"drawing","start":165.77,"end":166.09001,"confidence":0.9526367,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":0.19631753861904144},{"word":"a","start":166.09001,"end":166.25,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19315460324287417},{"word":"bit","start":166.25,"end":166.33,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.17416544258594513},{"word":"of","start":166.33,"end":166.41,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1971515715122223},{"word":"an","start":166.41,"end":166.57,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15957975387573242},{"word":"income","start":166.57,"end":167.05,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.21521954238414764},{"word":"from","start":167.05,"end":167.37001,"confidence":0.9970703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1192535161972046},{"word":"super","start":167.37001,"end":167.77,"confidence":0.77563477,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.214254692196846},{"word":"even","start":167.77,"end":168.01001,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.15028604865074158},{"word":"if","start":168.01001,"end":168.17,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15506350994110107},{"word":"it's","start":168.17,"end":168.49,"confidence":0.9583333,"punctuated_word":"it's,","sentiment":"neutral","sentiment_score":0.16396203637123108},{"word":"like","start":168.49,"end":168.73001,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1401137411594391},{"word":"part","start":168.73001,"end":169.05,"confidence":1.0,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.17147225141525269},{"word":"time","start":169.05,"end":169.55,"confidence":0.9812012,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.2300510406494141},{"word":"i","start":171.13,"end":171.29001,"confidence":0.81347656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.27485260367393494},{"word":"have","start":171.29001,"end":171.61,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.30051562190055847},{"word":"here","start":171.61,"end":171.85,"confidence":0.98291016,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.2739453911781311},{"word":"that","start":171.85,"end":172.17,"confidence":0.8391113,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.2126757800579071},{"word":"ideally","start":172.17,"end":172.67,"confidence":1.0,"punctuated_word":"ideally,","sentiment":"neutral","sentiment_score":0.21071237325668335},{"word":"about","start":172.81,"end":173.13,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14830535650253296},{"word":"a","start":173.13,"end":173.29001,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1843189150094986},{"word":"thousand","start":173.29001,"end":173.69,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.17106550931930542},{"word":"dollars","start":173.69,"end":174.19,"confidence":0.99902344,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.17754611372947693},{"word":"per","start":174.25,"end":174.49,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.16985487937927246},{"word":"week","start":174.49,"end":174.99,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.13597768545150757},{"word":"would","start":175.05,"end":175.45001,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.22352904081344604},{"word":"give","start":175.45001,"end":175.69,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.17321547865867615},{"word":"you","start":175.69,"end":176.01001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22448161244392395},{"word":"what","start":176.01001,"end":176.33,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.22305870056152344},{"word":"you","start":176.33,"end":176.49,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1734917014837265},{"word":"need","start":176.49,"end":176.99,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.17757710814476013},{"word":"to","start":177.105,"end":177.265,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20600411295890808},{"word":"cover","start":177.265,"end":177.58499,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.2158171385526657},{"word":"living","start":177.58499,"end":178.065,"confidence":0.9707031,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.1099456027150154},{"word":"expenses","start":178.065,"end":178.565,"confidence":1.0,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.17729011178016665},{"word":"and","start":178.625,"end":178.78499,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19632640480995175},{"word":"everything","start":178.78499,"end":179.185,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.15171274542808533},{"word":"like","start":179.185,"end":179.425,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1374833583831787},{"word":"that","start":179.425,"end":179.925,"confidence":0.95825195,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.15257486701011658},{"word":"do","start":180.22499,"end":180.385,"confidence":0.9970703,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.05085751414299011},{"word":"you","start":180.385,"end":180.465,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04328981414437294},{"word":"think","start":180.465,"end":180.705,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.03259935975074768},{"word":"that's","start":180.705,"end":181.025,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.15489676594734192},{"word":"still","start":181.025,"end":181.345,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.148225799202919},{"word":"achievable","start":181.345,"end":181.845,"confidence":0.9399414,"punctuated_word":"achievable,","sentiment":"neutral","sentiment_score":0.1641388237476349},{"word":"or","start":181.985,"end":182.14499,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.058015987277030945},{"word":"do","start":182.14499,"end":182.22499,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04970724135637283},{"word":"you","start":182.22499,"end":182.305,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05880376696586609},{"word":"think","start":182.305,"end":182.625,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.043999794870615005},{"word":"you","start":182.625,"end":182.78499,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.054890748113393784},{"word":"you","start":182.78499,"end":182.94499,"confidence":0.57714844,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03382517397403717},{"word":"will","start":182.94499,"end":183.105,"confidence":0.9194336,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.0006995424628257751},{"word":"need","start":183.105,"end":183.265,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.01758936420083046},{"word":"to","start":183.265,"end":183.42499,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.040587492287158966},{"word":"draw","start":183.42499,"end":183.665,"confidence":0.9863281,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.029881037771701813},{"word":"a","start":183.665,"end":183.745,"confidence":0.96972656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.017102286219596863},{"word":"bit","start":183.745,"end":183.985,"confidence":0.99609375,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0034636184573173523},{"word":"more","start":183.985,"end":184.485,"confidence":0.9995117,"punctuated_word":"more?","sentiment":"neutral","sentiment_score":0.015253346413373947},{"word":"yep","start":188.78499,"end":189.12,"confidence":0.6951904,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15386581420898438},{"word":"yep","start":190.95999,"end":191.44,"confidence":0.78393555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13454926013946533},{"word":"okay","start":191.44,"end":191.84,"confidence":0.9880371,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2730478048324585},{"word":"perfect","start":191.84,"end":192.34,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3936776518821716},{"word":"now","start":193.12,"end":193.51999,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.17823012173175812},{"word":"what","start":193.51999,"end":193.76,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1527383178472519},{"word":"i","start":193.76,"end":193.92,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13647454977035522},{"word":"will","start":193.92,"end":194.31999,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1623586863279343},{"word":"do","start":194.31999,"end":194.79999,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18248292803764343},{"word":"here","start":194.79999,"end":195.12,"confidence":0.9980469,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.2025728076696396},{"word":"quickly","start":195.12,"end":195.59999,"confidence":0.9902344,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.18432466685771945},{"word":"as","start":195.59999,"end":195.76,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1786288022994995},{"word":"well","start":195.76,"end":196.08,"confidence":0.99902344,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.1789344847202301},{"word":"peter","start":196.08,"end":196.4,"confidence":0.9926758,"punctuated_word":"Peter,","sentiment":"neutral","sentiment_score":0.16052058339118958},{"word":"is","start":196.4,"end":196.56,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14422479271888733},{"word":"just","start":196.56,"end":196.72,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1613464206457138},{"word":"to","start":196.72,"end":196.87999,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12327563017606737},{"word":"run","start":196.87999,"end":197.04,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.097105510532856},{"word":"through","start":197.04,"end":197.28,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0978313609957695},{"word":"just","start":197.28,"end":197.51999,"confidence":0.9526367,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12254741042852402},{"word":"a","start":197.51999,"end":197.59999,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1132044792175293},{"word":"bit","start":197.59999,"end":197.76,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12454982101917268},{"word":"of","start":197.76,"end":197.92,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10814489424228668},{"word":"an","start":197.92,"end":198.08,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09885331988334656},{"word":"updated","start":198.08,"end":198.48,"confidence":0.99609375,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.09282587468624116},{"word":"fact","start":198.48,"end":198.79999,"confidence":0.61865234,"punctuated_word":"fact","sentiment":"neutral","sentiment_score":0.11582786589860916},{"word":"line","start":198.79999,"end":199.29999,"confidence":0.39331055,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.1154077649116516},{"word":"just","start":199.68,"end":199.84,"confidence":0.3557129,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13058717548847198},{"word":"to","start":199.84,"end":200.0,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09706553816795348},{"word":"see","start":200.0,"end":200.15999,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10256966948509216},{"word":"if","start":200.15999,"end":200.23999,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10977485030889512},{"word":"there","start":200.23999,"end":200.4,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10165592283010484},{"word":"is","start":200.4,"end":200.56,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.052324846386909485},{"word":"anything","start":200.56,"end":200.95999,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.09833274036645888},{"word":"major","start":200.95999,"end":201.28,"confidence":0.9902344,"punctuated_word":"major","sentiment":"neutral","sentiment_score":0.009295210242271423},{"word":"that","start":201.28,"end":201.44,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.027601465582847595},{"word":"has","start":201.44,"end":201.68,"confidence":0.9970703,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.008990243077278137},{"word":"changed","start":201.68,"end":202.08,"confidence":0.97509766,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.019518934190273285},{"word":"you","start":202.08,"end":202.23999,"confidence":0.4970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013237997889518738},{"word":"for","start":202.23999,"end":202.48,"confidence":0.74365234,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02831801027059555},{"word":"need","start":202.48,"end":202.56,"confidence":0.28222656,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.06441464275121689},{"word":"to","start":202.56,"end":202.64,"confidence":0.56347656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05551234632730484},{"word":"make","start":202.64,"end":202.95999,"confidence":0.9394531,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.06400036066770554},{"word":"any","start":202.95999,"end":203.2,"confidence":0.91748047,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.15254294872283936},{"word":"tweaks","start":203.2,"end":203.68,"confidence":0.9970703,"punctuated_word":"tweaks","sentiment":"neutral","sentiment_score":0.07121624052524567},{"word":"and","start":203.68,"end":203.84,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08398185670375824},{"word":"changes","start":203.84,"end":204.34,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.05131959170103073},{"word":"to","start":204.375,"end":204.695,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0986909419298172},{"word":"your","start":204.695,"end":204.855,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11405768245458604},{"word":"advice","start":204.855,"end":205.355,"confidence":0.84521484,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.083757683634758},{"word":"so","start":206.135,"end":206.295,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.071181520819664},{"word":"just","start":206.295,"end":206.695,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04748028516769409},{"word":"bear","start":206.695,"end":207.015,"confidence":0.9863281,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":0.05576673895120621},{"word":"with","start":207.015,"end":207.255,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04136064648628235},{"word":"me","start":207.255,"end":207.495,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.11883019655942915},{"word":"as","start":207.495,"end":207.735,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12327206134796144},{"word":"i","start":207.735,"end":207.815,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11327200382947922},{"word":"do","start":207.815,"end":208.055,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11985309422016144},{"word":"go","start":208.055,"end":208.295,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.12144828587770462},{"word":"through","start":208.295,"end":208.615,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.11313465982675552},{"word":"this","start":208.615,"end":209.115,"confidence":0.9995117,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.0954136773943901},{"word":"now","start":210.135,"end":210.635,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06885173171758652},{"word":"when","start":210.695,"end":210.855,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05700485780835152},{"word":"it","start":210.855,"end":211.015,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07671069353818893},{"word":"comes","start":211.015,"end":211.175,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.06167188286781311},{"word":"to","start":211.175,"end":211.335,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07289540022611618},{"word":"your","start":211.335,"end":211.575,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08446192741394043},{"word":"personal","start":211.575,"end":212.055,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.10469261556863783},{"word":"information","start":212.055,"end":212.555,"confidence":0.9995117,"punctuated_word":"information,","sentiment":"neutral","sentiment_score":0.07577204704284668},{"word":"i","start":213.415,"end":213.575,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08719824254512787},{"word":"have","start":213.575,"end":213.735,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07665714621543884},{"word":"you","start":213.735,"end":213.895,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07374977320432663},{"word":"down","start":213.895,"end":214.215,"confidence":0.91015625,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.08164162188768387},{"word":"here","start":214.215,"end":214.535,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.08404415845870972},{"word":"as","start":214.535,"end":215.035,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.058030661195516586},{"word":"married","start":215.175,"end":215.675,"confidence":0.8232422,"punctuated_word":"married","sentiment":"neutral","sentiment_score":0.061947815120220184},{"word":"with","start":215.735,"end":216.055,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07792980968952179},{"word":"no","start":216.055,"end":216.375,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.05721178650856018},{"word":"financial","start":216.375,"end":216.875,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.017060890793800354},{"word":"dependence","start":217.015,"end":217.515,"confidence":0.6937256,"punctuated_word":"dependence.","sentiment":"neutral","sentiment_score":0.017191661521792412},{"word":"is","start":217.575,"end":217.735,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.07642465829849243},{"word":"that","start":217.735,"end":217.975,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08866490423679352},{"word":"correct","start":217.975,"end":218.475,"confidence":1.0,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.06822740286588669},{"word":"yes","start":221.18999,"end":221.68999,"confidence":0.9970703,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04618819057941437},{"word":"and","start":221.90999,"end":222.23,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02612888440489769},{"word":"if","start":222.23,"end":222.73,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.018899181857705116},{"word":"yep","start":223.82999,"end":224.32999,"confidence":0.8616536,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.0033910006750375032},{"word":"yeah","start":229.10999,"end":229.60999,"confidence":0.7492676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.000931018963456154},{"word":"they're","start":230.79,"end":231.10999,"confidence":0.63671875,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":-0.003136144485324621},{"word":"but","start":231.33249,"end":231.555,"confidence":0.9716797,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.007324405014514923},{"word":"are","start":231.635,"end":231.795,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.01613728702068329},{"word":"they","start":231.795,"end":231.95499,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.003843512386083603},{"word":"still","start":231.95499,"end":232.435,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.014075875282287598},{"word":"at","start":232.435,"end":232.67499,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01155831664800644},{"word":"home","start":232.67499,"end":232.995,"confidence":0.99902344,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.002689588814973831},{"word":"or","start":232.995,"end":233.23499,"confidence":0.5498047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.01489226147532463},{"word":"are","start":233.23499,"end":233.39499,"confidence":0.9667969,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.019461728632450104},{"word":"they","start":233.39499,"end":233.635,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.006508078426122665},{"word":"a","start":233.635,"end":233.715,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.019459005445241928},{"word":"bit","start":233.715,"end":233.95499,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.03038930892944336},{"word":"older","start":233.95499,"end":234.45499,"confidence":0.9951172,"punctuated_word":"older?","sentiment":"neutral","sentiment_score":-0.014237500727176666},{"word":"no","start":235.39499,"end":235.89499,"confidence":0.8569336,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06476117670536041},{"word":"okay","start":237.795,"end":238.275,"confidence":0.9970703,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.004552433267235756},{"word":"yeah","start":238.275,"end":238.75499,"confidence":0.89404297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013095233589410782},{"word":"but","start":238.75499,"end":239.25499,"confidence":0.78271484,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.014608070254325868},{"word":"sometimes","start":239.555,"end":240.03499,"confidence":0.85839844,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.010984465479850767},{"word":"gotta","start":240.03499,"end":240.275,"confidence":0.77685547,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.003516167402267456},{"word":"help","start":240.275,"end":240.515,"confidence":0.9951172,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.008841663599014282},{"word":"a","start":240.515,"end":240.59499,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01894568651914597},{"word":"little","start":240.59499,"end":240.83499,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.02808891236782074},{"word":"bit","start":240.83499,"end":240.995,"confidence":0.86376953,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.0015823990106582642},{"word":"i","start":240.995,"end":241.155,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.017261207103729248},{"word":"get","start":241.155,"end":241.655,"confidence":0.77001953,"punctuated_word":"get.","sentiment":"neutral","sentiment_score":-0.005582917481660843},{"word":"i","start":241.875,"end":242.03499,"confidence":0.9770508,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.023640036582946777},{"word":"get","start":242.03499,"end":242.355,"confidence":0.64501953,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.00008573383092880249},{"word":"that","start":242.355,"end":242.855,"confidence":0.9482422,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.0004966221749782562},{"word":"now","start":244.75499,"end":245.25499,"confidence":0.93847656,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.007137902081012726},{"word":"next","start":245.94,"end":246.18,"confidence":0.9980469,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.009451404213905334},{"word":"up","start":246.18,"end":246.5,"confidence":0.68896484,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.0019703898578882217},{"word":"kim","start":246.5,"end":246.81999,"confidence":0.7626953,"punctuated_word":"Kim.","sentiment":"neutral","sentiment_score":0.006777569651603699},{"word":"so","start":246.81999,"end":247.06,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.00037138164043426514},{"word":"in","start":247.06,"end":247.22,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0111466646194458},{"word":"the","start":247.22,"end":247.3,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011216312646865845},{"word":"event","start":247.3,"end":247.62,"confidence":1.0,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.0011974722146987915},{"word":"that","start":247.62,"end":247.78,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01221625879406929},{"word":"something","start":247.78,"end":248.02,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.0113336481153965},{"word":"would've","start":248.02,"end":248.34,"confidence":0.6119385,"punctuated_word":"would've","sentiment":"neutral","sentiment_score":-0.011333770118653774},{"word":"happened","start":248.34,"end":248.66,"confidence":0.93603516,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":-0.04806094616651535},{"word":"to","start":248.66,"end":248.81999,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03016643226146698},{"word":"you","start":248.81999,"end":249.06,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012646041810512544},{"word":"and","start":249.06,"end":249.22,"confidence":0.8310547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.009688600897789},{"word":"we","start":249.22,"end":249.45999,"confidence":0.9206543,"punctuated_word":"we,","sentiment":"neutral","sentiment_score":-0.0133172869682312},{"word":"for","start":249.45999,"end":249.62,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0634450614452362},{"word":"some","start":249.62,"end":249.78,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.07415401935577393},{"word":"reason","start":249.78,"end":250.09999,"confidence":0.9909668,"punctuated_word":"reason,","sentiment":"neutral","sentiment_score":-0.051212117075920105},{"word":"cannot","start":250.09999,"end":250.5,"confidence":1.0,"punctuated_word":"cannot","sentiment":"neutral","sentiment_score":-0.06479789316654205},{"word":"get","start":250.5,"end":250.58,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.09029142558574677},{"word":"in","start":250.58,"end":250.73999,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.104640930891037},{"word":"touch","start":250.73999,"end":250.98,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":-0.0725196823477745},{"word":"with","start":250.98,"end":251.14,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05272504314780235},{"word":"you","start":251.14,"end":251.37999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.028314724564552307},{"word":"at","start":251.37999,"end":251.54,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0438726469874382},{"word":"all","start":251.54,"end":252.04,"confidence":0.9951172,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":-0.014800621196627615},{"word":"i","start":252.26,"end":252.5,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07548528909683228},{"word":"have","start":252.5,"end":252.73999,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07585097849369049},{"word":"kathy","start":252.73999,"end":253.22,"confidence":0.6040039,"punctuated_word":"Kathy","sentiment":"neutral","sentiment_score":0.09156562387943268},{"word":"nominated","start":253.22,"end":253.72,"confidence":0.99902344,"punctuated_word":"nominated.","sentiment":"neutral","sentiment_score":0.09532174468040466},{"word":"is","start":254.01999,"end":254.26,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.100809246301651},{"word":"that","start":254.26,"end":254.42,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10312654078006744},{"word":"still","start":254.42,"end":254.66,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.03324480727314949},{"word":"the","start":254.66,"end":254.81999,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02581215649843216},{"word":"case","start":254.81999,"end":255.31999,"confidence":1.0,"punctuated_word":"case?","sentiment":"neutral","sentiment_score":0.04899568855762482},{"word":"perfect","start":256.5,"end":257.0,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.04708227515220642},{"word":"now","start":257.3,"end":257.62,"confidence":0.94628906,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.052004456520080566},{"word":"i","start":257.62,"end":257.78,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07293872535228729},{"word":"don't","start":257.78,"end":258.02,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0710330381989479},{"word":"actually","start":258.02,"end":258.41998,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.06359624117612839},{"word":"have","start":258.41998,"end":258.74,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05761423334479332},{"word":"a","start":258.74,"end":259.06,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07721871137619019},{"word":"phone","start":259.06,"end":259.46,"confidence":1.0,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.08219227194786072},{"word":"number","start":259.46,"end":259.96,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":-0.0571359246969223},{"word":"at","start":260.18,"end":260.41998,"confidence":0.7397461,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06480801850557327},{"word":"for","start":260.5,"end":260.74,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06439030170440674},{"word":"her","start":260.74,"end":261.13998,"confidence":0.99853516,"punctuated_word":"her.","sentiment":"neutral","sentiment_score":-0.0762437954545021},{"word":"would","start":261.13998,"end":261.38,"confidence":0.93847656,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.06594327092170715},{"word":"do","start":261.555,"end":261.715,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0389028936624527},{"word":"you","start":261.715,"end":261.875,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.053557440638542175},{"word":"know","start":261.875,"end":262.035,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.031221797689795498},{"word":"where","start":262.035,"end":262.155,"confidence":0.8833008,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.02452089823782444},{"word":"that","start":262.155,"end":262.275,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.040605224668979645},{"word":"is","start":262.275,"end":262.775,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03696990385651589},{"word":"at","start":263.155,"end":263.395,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04735246300697327},{"word":"all","start":263.395,"end":263.895,"confidence":0.99853516,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.03527633845806122},{"word":"yeah","start":266.275,"end":266.51498,"confidence":0.6855469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.002303138142451644},{"word":"that's","start":266.51498,"end":266.835,"confidence":0.58551025,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0007852496346458793},{"word":"428","start":266.835,"end":267.63498,"confidence":0.8643392,"punctuated_word":"428.","sentiment":"neutral","sentiment_score":-0.000977731542661786},{"word":"yep","start":267.63498,"end":268.13498,"confidence":0.98339844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.003231895854696631},{"word":"four","start":270.755,"end":270.995,"confidence":0.35131836,"punctuated_word":"Four","sentiment":"neutral","sentiment_score":0.0012720541562885046},{"word":"five","start":270.995,"end":271.395,"confidence":0.9790039,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.0006825127638876438},{"word":"nine","start":271.395,"end":271.875,"confidence":0.95654297,"punctuated_word":"nine.","sentiment":"neutral","sentiment_score":0.0017584345769137144},{"word":"yep","start":271.875,"end":272.375,"confidence":0.9909668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.00604643439874053},{"word":"450","start":274.61002,"end":275.73,"confidence":0.9980469,"punctuated_word":"450.","sentiment":"neutral","sentiment_score":0.023707609623670575},{"word":"great","start":275.73,"end":276.05002,"confidence":1.0,"punctuated_word":"Great.","sentiment":"positive","sentiment_score":0.5466837286949158},{"word":"perfect","start":276.05002,"end":276.45,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6863018274307251},{"word":"thank","start":276.45,"end":276.61002,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7384365797042847},{"word":"you","start":276.61002,"end":276.85,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7577688694000244},{"word":"so","start":276.85,"end":277.01,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6882162094116211},{"word":"much","start":277.01,"end":277.33002,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.7322208285331726},{"word":"for","start":277.33002,"end":277.57,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6559801697731018},{"word":"that","start":277.57,"end":278.07,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.6352348923683167},{"word":"employment","start":279.41,"end":279.91,"confidence":0.5957031,"punctuated_word":"Employment","sentiment":"neutral","sentiment_score":0.2281978726387024},{"word":"wise","start":280.05002,"end":280.55002,"confidence":0.9946289,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.08770735561847687},{"word":"has","start":281.01,"end":281.33002,"confidence":0.9970703,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.07273387908935547},{"word":"any","start":281.33002,"end":281.57,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1078805923461914},{"word":"of","start":281.57,"end":281.81,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15026676654815674},{"word":"that","start":281.81,"end":282.31,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11815087497234344},{"word":"changed","start":282.45,"end":282.95,"confidence":0.7130127,"punctuated_word":"changed?","sentiment":"neutral","sentiment_score":0.10894457995891572},{"word":"are","start":283.01,"end":283.17,"confidence":0.32983398,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.01945919170975685},{"word":"you","start":283.17,"end":283.33002,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03371136635541916},{"word":"still","start":283.33002,"end":283.65,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.02054096758365631},{"word":"doing","start":283.65,"end":283.97,"confidence":0.9904785,"punctuated_word":"doing,","sentiment":"neutral","sentiment_score":0.03944001719355583},{"word":"like","start":283.97,"end":284.21002,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.045648351311683655},{"word":"the","start":284.21002,"end":284.29,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05456576496362686},{"word":"labor","start":284.29,"end":284.69,"confidence":0.99609375,"punctuated_word":"labor","sentiment":"neutral","sentiment_score":0.0736989825963974},{"word":"and","start":284.69,"end":284.85,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.034152962267398834},{"word":"truck","start":284.85,"end":285.09,"confidence":0.96972656,"punctuated_word":"truck","sentiment":"neutral","sentiment_score":0.05865907296538353},{"word":"driving","start":285.09,"end":285.49002,"confidence":1.0,"punctuated_word":"driving","sentiment":"neutral","sentiment_score":0.057312868535518646},{"word":"on","start":285.49002,"end":285.57,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04505041241645813},{"word":"the","start":285.57,"end":285.73,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06063424423336983},{"word":"weekend","start":285.73,"end":286.23,"confidence":0.96069336,"punctuated_word":"weekend?","sentiment":"neutral","sentiment_score":0.050702422857284546},{"word":"still","start":288.92502,"end":289.165,"confidence":0.9770508,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":0.01970301754772663},{"word":"the","start":289.165,"end":289.325,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029381822794675827},{"word":"same","start":289.325,"end":289.64502,"confidence":0.81689453,"punctuated_word":"same?","sentiment":"neutral","sentiment_score":0.04125484824180603},{"word":"okay","start":289.64502,"end":290.14502,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03940725326538086},{"word":"and","start":290.445,"end":290.92502,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.025923551991581917},{"word":"with","start":290.92502,"end":291.24503,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0289631225168705},{"word":"your","start":291.24503,"end":291.64502,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02882564440369606},{"word":"your","start":291.64502,"end":292.045,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0224118921905756},{"word":"laborer","start":292.045,"end":292.545,"confidence":0.8844401,"punctuated_word":"laborer,","sentiment":"neutral","sentiment_score":0.03125058859586716},{"word":"do","start":292.92502,"end":293.08502,"confidence":0.8588867,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.025042589753866196},{"word":"you","start":293.08502,"end":293.165,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03589396923780441},{"word":"do","start":293.165,"end":293.325,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0260930135846138},{"word":"that","start":293.325,"end":293.64502,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03502874821424484},{"word":"full","start":293.64502,"end":293.885,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.0296938419342041},{"word":"time","start":293.885,"end":294.285,"confidence":0.9980469,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.03283064067363739},{"word":"as","start":294.285,"end":294.445,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.020817581564188004},{"word":"well","start":294.445,"end":294.945,"confidence":1.0,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.03166794031858444},{"word":"yes","start":296.845,"end":297.345,"confidence":0.6954346,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03095380961894989},{"word":"and","start":297.565,"end":298.065,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02350742369890213},{"word":"what's","start":299.02,"end":299.34,"confidence":1.0,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.02370690181851387},{"word":"your","start":299.34,"end":299.58,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02015049383044243},{"word":"income","start":299.58,"end":300.06,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.018831592053174973},{"word":"roughly","start":300.06,"end":300.46,"confidence":0.98828125,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.008477097377181053},{"word":"from","start":300.46,"end":300.69998,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.009404689073562622},{"word":"that","start":300.69998,"end":301.02,"confidence":0.9904785,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.014494932256639004},{"word":"do","start":301.02,"end":301.14,"confidence":0.9970703,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.006087152287364006},{"word":"you","start":301.14,"end":301.26,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00907837226986885},{"word":"know","start":301.26,"end":301.76,"confidence":0.9941406,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.01834491640329361},{"word":"1,800","start":305.9,"end":306.62,"confidence":0.8371582,"punctuated_word":"1,800","sentiment":"neutral","sentiment_score":0.0028391829691827297},{"word":"per","start":306.62,"end":306.86,"confidence":0.9199219,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.006983861327171326},{"word":"fortnight","start":306.86,"end":307.26,"confidence":0.39404297,"punctuated_word":"fortnight,","sentiment":"neutral","sentiment_score":0.001859669806435704},{"word":"and","start":307.26,"end":307.34,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006321966648101807},{"word":"that","start":307.34,"end":307.5,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.004818861372768879},{"word":"is","start":307.5,"end":307.74,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0006061680614948273},{"word":"after","start":307.74,"end":308.06,"confidence":0.9970703,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.007781477645039558},{"word":"tax","start":308.06,"end":308.56,"confidence":0.9812012,"punctuated_word":"tax?","sentiment":"neutral","sentiment_score":0.008903777226805687},{"word":"yep","start":310.3,"end":310.635,"confidence":0.77563477,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0220194011926651},{"word":"and","start":311.435,"end":311.83502,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.010193285532295704},{"word":"with","start":311.83502,"end":312.33502,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0063774073496460915},{"word":"the","start":312.875,"end":313.195,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.003632018342614174},{"word":"truck","start":313.195,"end":313.67502,"confidence":0.99902344,"punctuated_word":"truck","sentiment":"neutral","sentiment_score":0.005110613070428371},{"word":"driving","start":313.67502,"end":314.17502,"confidence":0.99853516,"punctuated_word":"driving,","sentiment":"neutral","sentiment_score":0.004459000658243895},{"word":"how","start":314.39502,"end":314.89502,"confidence":0.9951172,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.001374763436615467},{"word":"often","start":315.27502,"end":315.67502,"confidence":1.0,"punctuated_word":"often","sentiment":"neutral","sentiment_score":-0.001229538582265377},{"word":"or","start":315.67502,"end":315.83502,"confidence":0.93115234,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0028245169669389725},{"word":"how","start":315.83502,"end":315.915,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.000049093738198280334},{"word":"many","start":315.915,"end":316.23502,"confidence":0.99902344,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.0007131844758987427},{"word":"hours","start":316.23502,"end":316.55502,"confidence":1.0,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":-0.004175884649157524},{"word":"would","start":316.55502,"end":316.715,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.003527682274580002},{"word":"you","start":316.715,"end":316.875,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003559967502951622},{"word":"say","start":316.875,"end":317.11502,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.000038700178265571594},{"word":"that","start":317.11502,"end":317.27502,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.003934800624847412},{"word":"you","start":317.27502,"end":317.435,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.002231188118457794},{"word":"do","start":317.435,"end":317.755,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.00393158383667469},{"word":"on","start":317.755,"end":317.995,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0005481168627738953},{"word":"that","start":317.995,"end":318.495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0018857549875974655},{"word":"roughly","start":319.195,"end":319.695,"confidence":0.80493164,"punctuated_word":"roughly?","sentiment":"neutral","sentiment_score":-0.007884970866143703},{"word":"okay","start":328.65,"end":329.15,"confidence":0.99609375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.04317568242549896},{"word":"but","start":332.65,"end":332.97,"confidence":0.64501953,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.06896358728408813},{"word":"how","start":332.97,"end":333.37,"confidence":0.69189453,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.03716916963458061},{"word":"yeah","start":333.85,"end":334.35,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02281462401151657},{"word":"300","start":340.205,"end":340.845,"confidence":0.7401123,"punctuated_word":"300","sentiment":"neutral","sentiment_score":-0.015347077511250973},{"word":"awake","start":340.845,"end":341.345,"confidence":0.68188477,"punctuated_word":"awake?","sentiment":"neutral","sentiment_score":-0.021720897406339645},{"word":"yeah","start":343.005,"end":343.505,"confidence":0.8791504,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.014829040504992008},{"word":"yeah","start":344.605,"end":345.105,"confidence":0.90527344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.026541560888290405},{"word":"yeah","start":352.53998,"end":352.78,"confidence":0.8261719,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02563850954174995},{"word":"about","start":352.78,"end":353.02,"confidence":0.5830078,"punctuated_word":"About","sentiment":"neutral","sentiment_score":-0.030236078426241875},{"word":"the","start":353.02,"end":353.18,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.025796812027692795},{"word":"three","start":353.18,"end":353.41998,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.013349195942282677},{"word":"100","start":353.41998,"end":353.91998,"confidence":0.95751953,"punctuated_word":"100.","sentiment":"neutral","sentiment_score":-0.01301455870270729},{"word":"yep","start":354.13998,"end":354.63998,"confidence":0.9628906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.014935022220015526},{"word":"yeah","start":355.97998,"end":356.3,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04824978858232498},{"word":"and","start":356.3,"end":356.53998,"confidence":0.9370117,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.052853696048259735},{"word":"it","start":356.53998,"end":356.69998,"confidence":0.7373047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05246443301439285},{"word":"that","start":356.78,"end":356.93997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.051608797162771225},{"word":"would","start":356.93997,"end":357.09998,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.0440039187669754},{"word":"be","start":357.09998,"end":357.25998,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.05467984825372696},{"word":"in","start":357.25998,"end":357.41998,"confidence":0.89453125,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.0660804957151413},{"word":"like","start":357.41998,"end":357.58,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.050666265189647675},{"word":"a","start":357.58,"end":357.81998,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05928231030702591},{"word":"a","start":357.81998,"end":357.9,"confidence":0.9375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05850517749786377},{"word":"casual","start":357.9,"end":358.4,"confidence":0.97265625,"punctuated_word":"casual","sentiment":"neutral","sentiment_score":-0.051065895706415176},{"word":"basis","start":358.53998,"end":358.93997,"confidence":0.99072266,"punctuated_word":"basis,","sentiment":"neutral","sentiment_score":-0.05326592177152634},{"word":"i","start":358.93997,"end":359.09998,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.033262498676776886},{"word":"imagine","start":359.09998,"end":359.59998,"confidence":0.92163086,"punctuated_word":"imagine.","sentiment":"neutral","sentiment_score":-0.04888807237148285},{"word":"yep","start":361.66498,"end":362.16498,"confidence":0.90893555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.01535089872777462},{"word":"okay","start":371.905,"end":372.405,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.02307785488665104},{"word":"okay","start":373.5,"end":374.0,"confidence":0.98168945,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.02458035945892334},{"word":"yeah","start":376.62,"end":377.02002,"confidence":0.97265625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0032494300976395607},{"word":"okay","start":377.02002,"end":377.52002,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.004413296468555927},{"word":"and","start":378.06,"end":378.56,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0019917264580726624},{"word":"both","start":379.1,"end":379.6,"confidence":0.99316406,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.0035902950912714005},{"word":"jobs","start":380.06,"end":380.56,"confidence":0.98999023,"punctuated_word":"jobs,","sentiment":"neutral","sentiment_score":0.0009199511259794236},{"word":"they","start":381.1,"end":381.42,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.004197876900434494},{"word":"pay","start":381.42,"end":381.66,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.004683677107095718},{"word":"you","start":381.66,"end":381.82,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010038167238235474},{"word":"that","start":381.82,"end":382.14,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.015406977385282516},{"word":"standard","start":382.14,"end":382.64,"confidence":0.99609375,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":0.003353361040353775},{"word":"12","start":382.78,"end":383.18,"confidence":0.9970703,"punctuated_word":"12","sentiment":"neutral","sentiment_score":0.0066556259989738464},{"word":"percent","start":383.18,"end":383.68,"confidence":0.9980469,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.035346515476703644},{"word":"contribution","start":383.98,"end":384.48,"confidence":1.0,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.012602414935827255},{"word":"into","start":384.7,"end":385.02002,"confidence":0.9667969,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.017868585884571075},{"word":"super","start":385.02002,"end":385.42,"confidence":0.9345703,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.010127036832273006},{"word":"there's","start":385.42,"end":385.66,"confidence":0.99853516,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.03623463958501816},{"word":"no","start":385.66,"end":385.9,"confidence":0.97924805,"punctuated_word":"no,","sentiment":"neutral","sentiment_score":-0.061271876096725464},{"word":"like","start":385.9,"end":386.06,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.07420244812965393},{"word":"special","start":386.06,"end":386.56,"confidence":1.0,"punctuated_word":"special","sentiment":"neutral","sentiment_score":-0.10394379496574402},{"word":"enterprise","start":386.62,"end":387.1,"confidence":0.99609375,"punctuated_word":"enterprise","sentiment":"neutral","sentiment_score":-0.054277241230010986},{"word":"bargain","start":387.1,"end":387.58002,"confidence":0.95410156,"punctuated_word":"bargain","sentiment":"neutral","sentiment_score":-0.05213925614953041},{"word":"agreement","start":387.58002,"end":388.08002,"confidence":0.98291016,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":-0.05159542337059975},{"word":"or","start":388.14,"end":388.515,"confidence":0.93359375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03654641658067703},{"word":"not","start":389.95502,"end":390.27502,"confidence":0.5522461,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08844403922557831},{"word":"just","start":390.27502,"end":390.515,"confidence":0.90625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1062118113040924},{"word":"a","start":390.515,"end":390.67502,"confidence":0.6557617,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1007051169872284},{"word":"standard","start":390.67502,"end":391.17502,"confidence":0.9633789,"punctuated_word":"standard.","sentiment":"neutral","sentiment_score":-0.08068376779556274},{"word":"okay","start":391.55502,"end":391.95502,"confidence":0.99560547,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07766687870025635},{"word":"beautiful","start":391.95502,"end":392.45502,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.21635565161705017},{"word":"and","start":393.95502,"end":394.355,"confidence":0.9873047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04729300364851952},{"word":"are","start":394.355,"end":394.515,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0313231535255909},{"word":"you","start":394.515,"end":394.755,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04978924244642258},{"word":"making","start":394.755,"end":395.075,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.02622954547405243},{"word":"any","start":395.075,"end":395.39502,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.033301942050457},{"word":"additional","start":395.39502,"end":395.89502,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.01414436474442482},{"word":"contributions","start":395.95502,"end":396.45502,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.023186473175883293},{"word":"yourself","start":396.595,"end":396.99503,"confidence":0.99316406,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.01723787561058998},{"word":"or","start":396.99503,"end":397.23502,"confidence":0.8935547,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03219030424952507},{"word":"just","start":397.23502,"end":397.39502,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.034785617142915726},{"word":"that","start":397.39502,"end":397.635,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04236195236444473},{"word":"from","start":397.635,"end":397.795,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.011861879378557203},{"word":"your","start":397.795,"end":398.035,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.013907462358474731},{"word":"two","start":398.035,"end":398.195,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.014479655772447586},{"word":"employers","start":398.195,"end":398.695,"confidence":0.9921875,"punctuated_word":"employers?","sentiment":"neutral","sentiment_score":0.015950342640280724},{"word":"nope","start":401.73,"end":402.05,"confidence":0.8444824,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.07167356461286545},{"word":"that's","start":402.05,"end":402.45,"confidence":0.97753906,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10573630034923552},{"word":"all","start":402.45,"end":402.69,"confidence":0.98828125,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.16698147356510162},{"word":"good","start":402.69,"end":403.19,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.03624416142702103},{"word":"i","start":403.65,"end":403.81,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12338345497846603},{"word":"do","start":403.81,"end":404.05,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19508804380893707},{"word":"have","start":404.05,"end":404.21,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10218657553195952},{"word":"here","start":404.21,"end":404.53,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.10111267864704132},{"word":"as","start":404.53,"end":404.69,"confidence":0.9716797,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09315253794193268},{"word":"well","start":404.69,"end":405.19,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.09880857169628143},{"word":"average","start":405.25,"end":405.75,"confidence":0.70751953,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.11346469819545746},{"word":"expenses","start":405.97,"end":406.47,"confidence":0.99316406,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.1065889298915863},{"word":"per","start":406.77,"end":407.01,"confidence":0.99902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.09519407898187636},{"word":"week","start":407.01,"end":407.41,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.07269549369812012},{"word":"of","start":407.41,"end":407.57,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08481895178556442},{"word":"about","start":407.57,"end":407.97,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08980276435613632},{"word":"1,300","start":407.97,"end":408.95,"confidence":0.9992676,"punctuated_word":"1,300.","sentiment":"neutral","sentiment_score":0.07827354967594147},{"word":"does","start":409.01,"end":409.16998,"confidence":0.9941406,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.09233634173870088},{"word":"that","start":409.16998,"end":409.41,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11391671001911163},{"word":"sound","start":409.41,"end":409.73,"confidence":0.99902344,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.06329041719436646},{"word":"about","start":409.73,"end":410.23,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06192297860980034},{"word":"right","start":410.29,"end":410.79,"confidence":0.9941406,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.07051637023687363},{"word":"a","start":416.86502,"end":417.18503,"confidence":0.20483398,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.008966092020273209},{"word":"bit","start":417.18503,"end":417.345,"confidence":0.9921875,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.00010402500629425047},{"word":"more","start":417.345,"end":417.58502,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.008772989735007286},{"word":"like","start":417.58502,"end":418.065,"confidence":0.8535156,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.01687687262892723},{"word":"15","start":418.065,"end":418.565,"confidence":0.7331543,"punctuated_word":"15,","sentiment":"neutral","sentiment_score":0.03371264785528183},{"word":"or","start":418.70502,"end":418.945,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.014216568320989609},{"word":"what","start":418.945,"end":419.105,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.011297501623630524},{"word":"do","start":419.105,"end":419.265,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.007387319579720497},{"word":"you","start":419.265,"end":419.345,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.022578474134206772},{"word":"reckon","start":419.345,"end":419.845,"confidence":0.99560547,"punctuated_word":"reckon?","sentiment":"neutral","sentiment_score":0.04157961159944534},{"word":"about","start":422.225,"end":422.545,"confidence":0.9428711,"punctuated_word":"About","sentiment":"neutral","sentiment_score":0.05384710803627968},{"word":"15","start":422.545,"end":423.045,"confidence":0.9602051,"punctuated_word":"15.","sentiment":"neutral","sentiment_score":0.07341344654560089},{"word":"and","start":423.665,"end":424.165,"confidence":0.984375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06452783942222595},{"word":"are","start":424.225,"end":424.46503,"confidence":0.984375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06147744506597519},{"word":"you","start":424.46503,"end":424.96503,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1128465011715889},{"word":"saving","start":425.02502,"end":425.505,"confidence":0.9921875,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":0.1237240433692932},{"word":"anything","start":425.505,"end":425.905,"confidence":0.9970703,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.0937565416097641},{"word":"on","start":425.905,"end":426.14502,"confidence":0.86376953,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.0579182505607605},{"word":"like","start":426.14502,"end":426.30502,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06722046434879303},{"word":"a","start":426.30502,"end":426.385,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07566668093204498},{"word":"weekly","start":426.385,"end":426.885,"confidence":0.99658203,"punctuated_word":"weekly,","sentiment":"neutral","sentiment_score":0.0542759969830513},{"word":"monthly","start":427.02502,"end":427.505,"confidence":0.98461914,"punctuated_word":"monthly,","sentiment":"neutral","sentiment_score":0.060047734528779984},{"word":"or","start":427.505,"end":427.665,"confidence":0.9667969,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05953751131892204},{"word":"fortnightly","start":427.665,"end":428.14502,"confidence":0.9904785,"punctuated_word":"fortnightly","sentiment":"neutral","sentiment_score":0.052980225533246994},{"word":"basis","start":428.14502,"end":428.52,"confidence":0.86376953,"punctuated_word":"basis?","sentiment":"neutral","sentiment_score":0.04405728727579117},{"word":"basis","start":430.28,"end":430.68,"confidence":0.99316406,"punctuated_word":"Basis?","sentiment":"neutral","sentiment_score":0.02695028856396675},{"word":"no","start":430.68,"end":431.18,"confidence":0.9770508,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0677536129951477},{"word":"no","start":432.44,"end":432.59998,"confidence":0.97875977,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07725966721773148},{"word":"that's","start":432.59998,"end":433.09998,"confidence":0.97631836,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.01625966653227806},{"word":"all","start":433.16,"end":433.31998,"confidence":0.98535156,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.070578932762146},{"word":"good","start":433.31998,"end":433.81998,"confidence":0.9980469,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.07073719799518585},{"word":"yeah","start":436.44,"end":436.75998,"confidence":0.98657227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.051827095448970795},{"word":"most","start":436.75998,"end":437.0,"confidence":0.99902344,"punctuated_word":"Most","sentiment":"neutral","sentiment_score":0.050643190741539},{"word":"people","start":437.0,"end":437.24,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.05797455459833145},{"word":"have","start":437.24,"end":437.4,"confidence":0.6113281,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05511913448572159},{"word":"the","start":437.4,"end":437.47998,"confidence":0.890625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04403295740485191},{"word":"same","start":437.47998,"end":437.63998,"confidence":0.9013672,"punctuated_word":"same,","sentiment":"neutral","sentiment_score":0.0772465169429779},{"word":"especially","start":437.63998,"end":438.03998,"confidence":0.9951172,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":0.044703252613544464},{"word":"with","start":438.03998,"end":438.19998,"confidence":0.984375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05228377878665924},{"word":"all","start":438.19998,"end":438.44,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.04153375327587128},{"word":"their","start":438.44,"end":438.68,"confidence":0.7392578,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.018589872866868973},{"word":"living","start":438.68,"end":439.08,"confidence":0.99902344,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.045516639947891235},{"word":"expenses","start":439.08,"end":439.58,"confidence":1.0,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.05217634886503219},{"word":"and","start":439.8,"end":440.19998,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02704191580414772},{"word":"interest","start":440.19998,"end":440.59998,"confidence":0.98535156,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.025322813540697094},{"word":"rates","start":440.59998,"end":440.91998,"confidence":0.9970703,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":0.040496498346328735},{"word":"and","start":440.91998,"end":441.08,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03836337476968765},{"word":"everything","start":441.08,"end":441.58,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.033837705850601196},{"word":"at","start":441.63998,"end":441.72,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05883251130580902},{"word":"the","start":441.72,"end":441.87997,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04258812218904495},{"word":"moment","start":441.87997,"end":442.37997,"confidence":0.76782227,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.0812230259180069},{"word":"so","start":442.44,"end":442.94,"confidence":0.9589844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1149711161851883},{"word":"not","start":443.535,"end":443.615,"confidence":0.60058594,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1614677906036377},{"word":"a","start":443.615,"end":443.775,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14648763835430145},{"word":"lot","start":443.775,"end":443.935,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.1644967496395111},{"word":"of","start":443.935,"end":444.095,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1585347056388855},{"word":"people","start":444.095,"end":444.41498,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.239738330245018},{"word":"are","start":444.41498,"end":444.495,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.14170102775096893},{"word":"feeling","start":444.495,"end":444.815,"confidence":0.99902344,"punctuated_word":"feeling","sentiment":"neutral","sentiment_score":-0.13230450451374054},{"word":"the","start":444.815,"end":444.975,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1046965792775154},{"word":"same","start":444.975,"end":445.475,"confidence":0.9890137,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":-0.08706739544868469},{"word":"asset","start":447.29498,"end":447.775,"confidence":0.96972656,"punctuated_word":"Asset","sentiment":"neutral","sentiment_score":-0.07587706297636032},{"word":"wise","start":447.775,"end":448.275,"confidence":0.9855957,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":-0.04531661421060562},{"word":"your","start":449.775,"end":450.175,"confidence":0.92578125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0796830952167511},{"word":"property","start":450.175,"end":450.57498,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.09218171238899232},{"word":"i","start":450.57498,"end":450.735,"confidence":0.8183594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07001394033432007},{"word":"have","start":450.735,"end":450.895,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05453028157353401},{"word":"here","start":450.895,"end":451.215,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.05067465454339981},{"word":"last","start":451.215,"end":451.455,"confidence":0.93408203,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.07563517987728119},{"word":"was","start":451.455,"end":451.695,"confidence":0.81347656,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.11754881590604782},{"word":"died","start":451.695,"end":451.935,"confidence":0.3798828,"punctuated_word":"died","sentiment":"neutral","sentiment_score":-0.11433860659599304},{"word":"at","start":451.935,"end":452.095,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05842956528067589},{"word":"about","start":452.095,"end":452.41498,"confidence":0.98095703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.05169624090194702},{"word":"400,000","start":452.41498,"end":453.555,"confidence":0.9881999,"punctuated_word":"400,000.","sentiment":"neutral","sentiment_score":-0.05506844073534012},{"word":"so","start":458.99002,"end":459.31,"confidence":0.38427734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04726933315396309},{"word":"roughly","start":459.31,"end":459.71002,"confidence":0.81591797,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":-0.036618832498788834},{"word":"yeah","start":459.87,"end":460.35,"confidence":0.98950195,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.04224198684096336},{"word":"and","start":460.35,"end":460.85,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0309312641620636},{"word":"mortgage","start":460.99002,"end":461.47,"confidence":0.9980469,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.0585969053208828},{"word":"was","start":461.47,"end":461.79,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.06115487217903137},{"word":"about","start":461.79,"end":462.29,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.053303010761737823},{"word":"231","start":462.43,"end":463.63,"confidence":0.9986328,"punctuated_word":"231","sentiment":"neutral","sentiment_score":-0.04041152819991112},{"word":"owing","start":463.63,"end":464.13,"confidence":0.7507324,"punctuated_word":"owing.","sentiment":"neutral","sentiment_score":-0.06080719456076622},{"word":"oh","start":468.60498,"end":468.76498,"confidence":0.97021484,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.5185269117355347},{"word":"beautiful","start":468.76498,"end":469.26498,"confidence":0.99853516,"punctuated_word":"beautiful.","sentiment":"positive","sentiment_score":0.5443826913833618},{"word":"so","start":469.32498,"end":469.485,"confidence":0.7128906,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4203093945980072},{"word":"you","start":469.485,"end":469.645,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6197556257247925},{"word":"guys","start":469.645,"end":469.88498,"confidence":1.0,"punctuated_word":"guys","sentiment":"positive","sentiment_score":0.6361606121063232},{"word":"have","start":469.88498,"end":470.04498,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.6316410303115845},{"word":"made","start":470.04498,"end":470.285,"confidence":1.0,"punctuated_word":"made","sentiment":"positive","sentiment_score":0.6724528074264526},{"word":"a","start":470.285,"end":470.365,"confidence":0.97509766,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6735519170761108},{"word":"pretty","start":470.365,"end":470.60498,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6077308654785156},{"word":"good","start":470.60498,"end":470.76498,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6368147730827332},{"word":"progression","start":470.76498,"end":471.245,"confidence":1.0,"punctuated_word":"progression","sentiment":"positive","sentiment_score":0.702597439289093},{"word":"on","start":471.245,"end":471.405,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.7462638020515442},{"word":"the","start":471.405,"end":471.565,"confidence":0.98095703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.730147123336792},{"word":"loan","start":471.565,"end":471.965,"confidence":0.9694824,"punctuated_word":"loan,","sentiment":"positive","sentiment_score":0.6868710517883301},{"word":"which","start":471.965,"end":472.205,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6264212727546692},{"word":"is","start":472.205,"end":472.285,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5997709035873413},{"word":"good","start":472.285,"end":472.785,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.465204119682312},{"word":"do","start":474.925,"end":475.085,"confidence":0.6748047,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.16990289092063904},{"word":"you","start":475.085,"end":475.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.227002814412117},{"word":"also","start":475.245,"end":475.405,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.18906210362911224},{"word":"have","start":475.405,"end":475.645,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19098860025405884},{"word":"the","start":475.645,"end":475.72498,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19174137711524963},{"word":"investment","start":475.72498,"end":476.22498,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.12444311380386353},{"word":"property","start":476.285,"end":476.685,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.11326539516448976},{"word":"as","start":476.685,"end":476.845,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09576243162155151},{"word":"well","start":476.845,"end":477.345,"confidence":1.0,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.10658009350299837},{"word":"yep","start":481.02002,"end":481.42,"confidence":0.76293945,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05894872546195984},{"word":"yep","start":481.42,"end":481.9,"confidence":0.9633789,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.053621456027030945},{"word":"and","start":481.9,"end":482.14,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04031316190958023},{"word":"i","start":482.14,"end":482.30002,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.034616656601428986},{"word":"have","start":482.30002,"end":482.46,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03363826870918274},{"word":"here","start":482.46,"end":482.7,"confidence":0.99609375,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.024887554347515103},{"word":"that","start":482.7,"end":482.86002,"confidence":0.9550781,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.026104873046278954},{"word":"it","start":482.86002,"end":483.36002,"confidence":0.8798828,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.012299546971917152},{"word":"yeah","start":483.66,"end":484.16,"confidence":0.7512207,"punctuated_word":"yeah?","sentiment":"neutral","sentiment_score":0.00553150475025177},{"word":"no","start":486.78,"end":487.02002,"confidence":0.78271484,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12589263916015625},{"word":"i","start":487.02002,"end":487.1,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12803857028484344},{"word":"was","start":487.1,"end":487.26,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.13653656840324402},{"word":"gonna","start":487.26,"end":487.5,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.1191122978925705},{"word":"say","start":487.5,"end":487.74,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.08833101391792297},{"word":"i","start":487.74,"end":487.82,"confidence":0.6870117,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10619793832302094},{"word":"have","start":487.82,"end":487.98,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07441545277833939},{"word":"here","start":487.98,"end":488.22,"confidence":0.9980469,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.07899901270866394},{"word":"that","start":488.22,"end":488.38,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08119174838066101},{"word":"it","start":488.38,"end":488.46,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10389863699674606},{"word":"was","start":488.46,"end":488.7,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.10129117220640182},{"word":"died","start":488.7,"end":489.02002,"confidence":0.8310547,"punctuated_word":"died","sentiment":"neutral","sentiment_score":-0.110697939991951},{"word":"at","start":489.02002,"end":489.18,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.11933468282222748},{"word":"about","start":489.18,"end":489.42,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1053936630487442},{"word":"$1.50","start":489.42,"end":490.22,"confidence":0.99853516,"punctuated_word":"$1.50","sentiment":"neutral","sentiment_score":-0.08234180510044098},{"word":"with","start":490.22,"end":490.46,"confidence":0.98828125,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07986615598201752},{"word":"nothing","start":490.46,"end":490.86002,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.09599579125642776},{"word":"owing","start":490.86002,"end":491.18,"confidence":0.9790039,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":-0.10188594460487366},{"word":"on","start":491.18,"end":491.34,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.100089892745018},{"word":"it","start":491.34,"end":491.84,"confidence":0.97558594,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.1047569066286087},{"word":"yeah","start":495.25497,"end":495.75497,"confidence":0.8093262,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0001439051702618599},{"word":"okay","start":496.455,"end":496.955,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.025444723665714264},{"word":"now","start":497.175,"end":497.57498,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.02651432529091835},{"word":"i","start":497.57498,"end":497.735,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.024177536368370056},{"word":"also","start":497.735,"end":498.055,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.02387480065226555},{"word":"have","start":498.055,"end":498.29498,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.021060284227132797},{"word":"here","start":498.29498,"end":498.69498,"confidence":0.99121094,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.02113591693341732},{"word":"contents","start":498.69498,"end":499.19498,"confidence":0.671875,"punctuated_word":"contents","sentiment":"neutral","sentiment_score":0.03490948677062988},{"word":"of","start":499.41498,"end":499.57498,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.024534352123737335},{"word":"about","start":499.57498,"end":500.055,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.02451406978070736},{"word":"100,000","start":500.055,"end":500.875,"confidence":0.80358887,"punctuated_word":"100,000.","sentiment":"neutral","sentiment_score":0.03193230181932449},{"word":"yep","start":504.15,"end":504.63,"confidence":0.99365234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0447445884346962},{"word":"and","start":504.63,"end":504.87,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03329077363014221},{"word":"then","start":504.87,"end":505.37,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03575071692466736},{"word":"a","start":505.75,"end":506.25,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04372834041714668},{"word":"motor","start":507.27,"end":507.67,"confidence":0.99316406,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.03993571549654007},{"word":"vehicle","start":507.67,"end":508.17,"confidence":1.0,"punctuated_word":"vehicle","sentiment":"neutral","sentiment_score":0.027385488152503967},{"word":"ride","start":508.31,"end":508.63,"confidence":0.61083984,"punctuated_word":"ride","sentiment":"neutral","sentiment_score":0.02719220519065857},{"word":"at","start":508.63,"end":508.79,"confidence":0.9716797,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.021457280963659286},{"word":"about","start":508.79,"end":509.11002,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.023896735161542892},{"word":"60,000","start":509.11002,"end":510.07,"confidence":0.99902344,"punctuated_word":"60,000","sentiment":"neutral","sentiment_score":0.03704821690917015},{"word":"with","start":510.07,"end":510.39,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04218071326613426},{"word":"nothing","start":510.39,"end":510.71,"confidence":0.99902344,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":0.02924190834164619},{"word":"owing","start":510.71,"end":511.21,"confidence":0.9880371,"punctuated_word":"owing.","sentiment":"neutral","sentiment_score":0.00812426395714283},{"word":"yep","start":513.67,"end":514.07,"confidence":0.9741211,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.037779759615659714},{"word":"and","start":514.07,"end":514.23,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.030163269490003582},{"word":"then","start":514.23,"end":514.55,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.02698855847120285},{"word":"a","start":514.55,"end":514.95,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026821251958608627},{"word":"trailer","start":514.95,"end":515.35,"confidence":1.0,"punctuated_word":"trailer","sentiment":"neutral","sentiment_score":0.026503991335630417},{"word":"a","start":515.51,"end":515.67,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.020699188113212585},{"word":"camper","start":515.67,"end":515.99,"confidence":0.9951172,"punctuated_word":"camper","sentiment":"neutral","sentiment_score":0.031658709049224854},{"word":"trailer","start":515.99,"end":516.47003,"confidence":1.0,"punctuated_word":"trailer","sentiment":"neutral","sentiment_score":0.025615429505705833},{"word":"of","start":516.47003,"end":516.63,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.025821495801210403},{"word":"about","start":516.63,"end":516.95,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.025971418246626857},{"word":"40,000","start":516.95,"end":517.85,"confidence":0.9954834,"punctuated_word":"40,000.","sentiment":"neutral","sentiment_score":0.02957744523882866},{"word":"yeah","start":519.675,"end":519.915,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.019571468234062195},{"word":"and","start":519.915,"end":520.15497,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.012279365211725237},{"word":"then","start":520.15497,"end":520.315,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.054734550416469574},{"word":"a","start":520.315,"end":520.555,"confidence":0.9707031,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05547723174095154},{"word":"u","start":520.555,"end":521.055,"confidence":0.8510742,"punctuated_word":"u","sentiment":"neutral","sentiment_score":-0.05838163569569588},{"word":"roughly","start":523.595,"end":523.995,"confidence":0.9951172,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":-0.016359342262148857},{"word":"around","start":523.995,"end":524.235,"confidence":0.98535156,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.015001542866230013},{"word":"that","start":524.235,"end":524.39496,"confidence":0.90771484,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.018767155706882477},{"word":"you","start":524.39496,"end":524.555,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.015754418447613716},{"word":"reckon","start":524.555,"end":525.055,"confidence":0.9736328,"punctuated_word":"reckon?","sentiment":"neutral","sentiment_score":-0.01448836550116539},{"word":"yeah","start":527.115,"end":527.615,"confidence":0.97924805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.009093044325709345},{"word":"yep","start":530.15497,"end":530.65497,"confidence":0.84375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.006955945398658514},{"word":"no","start":530.795,"end":531.295,"confidence":0.9741211,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06596701592206955},{"word":"alright","start":532.37,"end":532.61005,"confidence":0.9890137,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.0005732303252443671},{"word":"i'll","start":532.61005,"end":532.93,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.009612219408154488},{"word":"just","start":532.93,"end":533.09,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.004244208335876465},{"word":"change","start":533.09,"end":533.33,"confidence":0.9580078,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.003240130841732025},{"word":"it","start":533.33,"end":533.49,"confidence":0.9838867,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.022027894854545593},{"word":"to","start":533.49,"end":533.57,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.014196805655956268},{"word":"30","start":533.57,"end":533.97003,"confidence":0.8352051,"punctuated_word":"30.","sentiment":"neutral","sentiment_score":0.006558099761605263},{"word":"obviously","start":533.97003,"end":534.29004,"confidence":0.94628906,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.0122782988473773},{"word":"they","start":534.29004,"end":534.79004,"confidence":0.95947266,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.023475661873817444},{"word":"they","start":534.93,"end":535.09,"confidence":0.9863281,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.05375513434410095},{"word":"do","start":535.09,"end":535.49,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.006318345665931702},{"word":"depreciate","start":535.49,"end":535.99,"confidence":0.9684245,"punctuated_word":"depreciate","sentiment":"neutral","sentiment_score":-0.04483181983232498},{"word":"a","start":536.05,"end":536.13,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03274522349238396},{"word":"little","start":536.13,"end":536.37,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.026837728917598724},{"word":"bit","start":536.37,"end":536.53,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.03000020980834961},{"word":"in","start":536.53,"end":536.61005,"confidence":0.98291016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.008467406034469604},{"word":"value","start":536.61005,"end":537.11005,"confidence":0.9794922,"punctuated_word":"value.","sentiment":"neutral","sentiment_score":-0.003732163459062576},{"word":"and","start":538.61005,"end":538.85004,"confidence":0.84765625,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.013244915753602982},{"word":"they","start":538.85004,"end":539.01,"confidence":0.35864258,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.0008382461965084076},{"word":"use","start":539.01,"end":539.25,"confidence":0.3125,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.010671298950910568},{"word":"as","start":539.25,"end":539.49,"confidence":0.88427734,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02137317880988121},{"word":"well","start":539.49,"end":539.73004,"confidence":0.99902344,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.02230392768979073},{"word":"worth","start":539.73004,"end":540.05,"confidence":0.9165039,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.01640889421105385},{"word":"15","start":540.05,"end":540.55,"confidence":0.8925781,"punctuated_word":"15?","sentiment":"neutral","sentiment_score":0.031904131174087524},{"word":"yep","start":542.85004,"end":543.345,"confidence":0.9428711,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03872164338827133},{"word":"yep","start":543.745,"end":544.245,"confidence":0.9909668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14240366220474243},{"word":"anything","start":544.545,"end":544.94495,"confidence":0.9980469,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":0.14028096199035645},{"word":"else","start":544.94495,"end":545.26495,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.21062807738780975},{"word":"that's","start":545.26495,"end":545.50494,"confidence":0.99658203,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.151512011885643},{"word":"changed","start":545.50494,"end":545.90497,"confidence":0.94970703,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.1514769196510315},{"word":"us","start":545.90497,"end":546.06494,"confidence":0.5527344,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.19962899386882785},{"word":"at","start":546.06494,"end":546.305,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2172705680131912},{"word":"wise","start":546.305,"end":546.545,"confidence":0.9350586,"punctuated_word":"Wise","sentiment":"neutral","sentiment_score":0.26340025663375854},{"word":"peter","start":546.545,"end":546.865,"confidence":0.63671875,"punctuated_word":"Peter","sentiment":"neutral","sentiment_score":0.23472890257835388},{"word":"in","start":546.865,"end":547.02496,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19114038348197937},{"word":"the","start":547.02496,"end":547.105,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24787934124469757},{"word":"last","start":547.105,"end":547.345,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1732150763273239},{"word":"twelve","start":547.345,"end":547.58496,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.17025531828403473},{"word":"months","start":547.58496,"end":548.08496,"confidence":0.9995117,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":0.144027978181839},{"word":"none","start":549.90497,"end":550.305,"confidence":0.67749023,"punctuated_word":"None.","sentiment":"neutral","sentiment_score":-0.13263118267059326},{"word":"alright","start":550.305,"end":550.70496,"confidence":0.9921875,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.22324614226818085},{"word":"perfect","start":550.70496,"end":551.20496,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5666667222976685},{"word":"and","start":551.58496,"end":551.985,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19451425969600675},{"word":"when","start":551.985,"end":552.225,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1607998013496399},{"word":"it","start":552.225,"end":552.38495,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16231554746627808},{"word":"comes","start":552.38495,"end":552.625,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.16344541311264038},{"word":"to","start":552.625,"end":552.785,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21076516807079315},{"word":"health","start":552.785,"end":553.02496,"confidence":0.9838867,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.15400592982769012},{"word":"and","start":553.02496,"end":553.26495,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07912418991327286},{"word":"lifestyle","start":553.26495,"end":553.76495,"confidence":0.99902344,"punctuated_word":"lifestyle,","sentiment":"neutral","sentiment_score":0.0837666317820549},{"word":"i","start":554.545,"end":554.625,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.043117910623550415},{"word":"have","start":554.625,"end":554.865,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03321346640586853},{"word":"you","start":554.865,"end":555.02496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01500169187784195},{"word":"down","start":555.02496,"end":555.185,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.009420856833457949},{"word":"here","start":555.185,"end":555.425,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.01808364689350128},{"word":"as","start":555.425,"end":555.745,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.014670632779598236},{"word":"a","start":555.745,"end":556.245,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03758059442043304},{"word":"non","start":556.305,"end":556.805,"confidence":0.9633789,"punctuated_word":"non","sentiment":"neutral","sentiment_score":-0.02819015085697174},{"word":"smoker","start":557.05,"end":557.45,"confidence":0.9970703,"punctuated_word":"smoker","sentiment":"neutral","sentiment_score":-0.04662823677062988},{"word":"and","start":557.45,"end":557.77,"confidence":0.95410156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05142384022474289},{"word":"no","start":557.77,"end":558.01,"confidence":0.9980469,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.016799665987491608},{"word":"significant","start":558.01,"end":558.51,"confidence":1.0,"punctuated_word":"significant","sentiment":"neutral","sentiment_score":-0.19955451786518097},{"word":"health","start":558.73004,"end":558.97003,"confidence":1.0,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.1821570545434952},{"word":"issues","start":558.97003,"end":559.37,"confidence":1.0,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":-0.18146440386772156},{"word":"or","start":559.37,"end":559.53,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.13544023036956787},{"word":"injuries","start":559.53,"end":560.01,"confidence":0.99853516,"punctuated_word":"injuries.","sentiment":"neutral","sentiment_score":-0.10384999215602876},{"word":"is","start":560.01,"end":560.17004,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.011325852945446968},{"word":"that","start":560.17004,"end":560.33,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.000529266893863678},{"word":"the","start":560.33,"end":560.49,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02601298689842224},{"word":"case","start":560.49,"end":560.99,"confidence":1.0,"punctuated_word":"case?","sentiment":"neutral","sentiment_score":-0.019056962803006172},{"word":"yep","start":563.29004,"end":563.69,"confidence":0.9050293,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2862323522567749},{"word":"beautiful","start":563.69,"end":564.19,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6144767999649048},{"word":"and","start":564.81,"end":565.05,"confidence":0.63916016,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15369704365730286},{"word":"do","start":565.05,"end":565.13,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07438164949417114},{"word":"you","start":565.13,"end":565.29004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12437445670366289},{"word":"have","start":565.29004,"end":565.45,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11862559616565704},{"word":"private","start":565.45,"end":565.85004,"confidence":0.9980469,"punctuated_word":"private","sentiment":"neutral","sentiment_score":0.09363271296024324},{"word":"health","start":565.85004,"end":566.17004,"confidence":1.0,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.08631754666566849},{"word":"insurance","start":566.17004,"end":566.67004,"confidence":1.0,"punctuated_word":"insurance?","sentiment":"neutral","sentiment_score":0.03426632285118103},{"word":"no","start":568.57,"end":569.07,"confidence":0.75146484,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06415959447622299},{"word":"and","start":569.945,"end":570.10504,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.017641674727201462},{"word":"when","start":570.10504,"end":570.265,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.013234484940767288},{"word":"it","start":570.265,"end":570.34503,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.007635939866304398},{"word":"comes","start":570.34503,"end":570.585,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.001257382333278656},{"word":"to","start":570.585,"end":570.98505,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.015032313764095306},{"word":"estate","start":570.98505,"end":571.48505,"confidence":0.9560547,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":-0.03614654392004013},{"word":"planning","start":571.54504,"end":572.04504,"confidence":0.9995117,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":0.01445356197655201},{"word":"do","start":572.745,"end":572.905,"confidence":0.64990234,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.012911301106214523},{"word":"you","start":572.905,"end":572.98505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.008272826671600342},{"word":"know","start":572.98505,"end":573.22504,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.02101883292198181},{"word":"if","start":573.22504,"end":573.385,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.01327214390039444},{"word":"you","start":573.385,"end":573.54504,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01678498461842537},{"word":"have","start":573.54504,"end":573.865,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.017956964671611786},{"word":"a","start":573.865,"end":574.10504,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02333233691751957},{"word":"will","start":574.10504,"end":574.505,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.033152297139167786},{"word":"or","start":574.505,"end":574.825,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.09710049629211426},{"word":"power","start":574.825,"end":575.065,"confidence":0.9921875,"punctuated_word":"power","sentiment":"neutral","sentiment_score":-0.05387101322412491},{"word":"of","start":575.065,"end":575.22504,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03667203709483147},{"word":"attorney","start":575.22504,"end":575.72504,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":-0.0521482527256012},{"word":"in","start":575.78503,"end":575.945,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.028752073645591736},{"word":"place","start":575.945,"end":576.445,"confidence":1.0,"punctuated_word":"place?","sentiment":"neutral","sentiment_score":-0.023647494614124295},{"word":"no","start":579.465,"end":579.965,"confidence":0.9484863,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.27574265003204346},{"word":"okay","start":583.74005,"end":584.24005,"confidence":0.99560547,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.02850380539894104},{"word":"so","start":584.78,"end":584.94,"confidence":0.38378906,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01297186315059662},{"word":"kind","start":584.94,"end":585.18005,"confidence":0.90527344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.026526041328907013},{"word":"of","start":585.18005,"end":585.26,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.022267326712608337},{"word":"on","start":585.26,"end":585.42004,"confidence":0.98535156,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.005712665617465973},{"word":"the","start":585.42004,"end":585.58,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00649629533290863},{"word":"to","start":585.58,"end":585.66003,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01759084314107895},{"word":"do","start":585.66003,"end":585.9,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0007961168885231018},{"word":"list","start":585.9,"end":586.4,"confidence":0.81640625,"punctuated_word":"list.","sentiment":"neutral","sentiment_score":-0.0009691249579191208},{"word":"and","start":589.26,"end":589.58,"confidence":0.5336914,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.023063573986291885},{"word":"okay","start":594.315,"end":594.815,"confidence":0.9663086,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.08126339316368103},{"word":"yes","start":597.435,"end":597.935,"confidence":0.98535156,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0476098395884037},{"word":"yeah","start":599.195,"end":599.695,"confidence":0.81347656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02688935399055481},{"word":"yeah","start":601.195,"end":601.595,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01875188946723938},{"word":"oh","start":601.595,"end":601.755,"confidence":0.84375,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.008243650197982788},{"word":"i'm","start":601.755,"end":601.915,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.049512915313243866},{"word":"sorry","start":601.915,"end":602.235,"confidence":1.0,"punctuated_word":"sorry","sentiment":"neutral","sentiment_score":-0.09072188287973404},{"word":"to","start":602.235,"end":602.39496,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11797820776700974},{"word":"hear","start":602.39496,"end":602.635,"confidence":0.99902344,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.14916947484016418},{"word":"that","start":602.635,"end":603.035,"confidence":0.94555664,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.1403350830078125},{"word":"and","start":603.035,"end":603.535,"confidence":0.8251953,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.06816215068101883},{"word":"yeah","start":603.755,"end":603.995,"confidence":0.9970703,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.034881241619586945},{"word":"it's","start":603.995,"end":604.15497,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.023946864530444145},{"word":"one","start":604.15497,"end":604.39496,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.04541318118572235},{"word":"of","start":604.39496,"end":604.475,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05290156975388527},{"word":"those","start":604.475,"end":604.71497,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.04131460934877395},{"word":"things","start":604.71497,"end":605.035,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.07379494607448578},{"word":"that","start":605.035,"end":605.27496,"confidence":0.96240234,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07550376653671265},{"word":"often","start":605.27496,"end":605.77496,"confidence":0.9838867,"punctuated_word":"often","sentiment":"neutral","sentiment_score":-0.0851731076836586},{"word":"people","start":606.51996,"end":606.83997,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.11640245467424391},{"word":"just","start":606.83997,"end":607.0,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09805617481470108},{"word":"kinda","start":607.0,"end":607.24,"confidence":0.9116211,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.11549784243106842},{"word":"put","start":607.24,"end":607.39996,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.17282003164291382},{"word":"it","start":607.39996,"end":607.56,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.20228272676467896},{"word":"off","start":607.56,"end":607.64,"confidence":0.99902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.22473767399787903},{"word":"to","start":607.64,"end":607.8,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2549106478691101},{"word":"the","start":607.8,"end":607.95996,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15781381726264954},{"word":"side","start":607.95996,"end":608.12,"confidence":0.82714844,"punctuated_word":"side,","sentiment":"neutral","sentiment_score":-0.14668768644332886},{"word":"and","start":608.12,"end":608.27997,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0892217755317688},{"word":"you","start":608.27997,"end":608.44,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1187380477786064},{"word":"don't","start":608.44,"end":608.6,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08862428367137909},{"word":"tend","start":608.6,"end":608.83997,"confidence":0.9580078,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.11599095910787582},{"word":"to","start":608.83997,"end":608.92,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1326574981212616},{"word":"think","start":608.92,"end":609.24,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.1313234120607376},{"word":"about","start":609.24,"end":609.48,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1740846037864685},{"word":"it","start":609.48,"end":609.64,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.14542998373508453},{"word":"until","start":609.64,"end":610.14,"confidence":0.99902344,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.11681187152862547},{"word":"either","start":610.68,"end":610.92,"confidence":0.9892578,"punctuated_word":"either","sentiment":"neutral","sentiment_score":-0.08543043583631516},{"word":"something","start":610.92,"end":611.32,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.08512312173843384},{"word":"happens","start":611.32,"end":611.82,"confidence":1.0,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.10219533741474152},{"word":"to","start":611.95996,"end":612.2,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09673179686069489},{"word":"you","start":612.2,"end":612.51996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10462319850921632},{"word":"or","start":612.51996,"end":612.83997,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05982033535838127},{"word":"a","start":612.83997,"end":613.07996,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.010555766522884367},{"word":"loved","start":613.07996,"end":613.32,"confidence":1.0,"punctuated_word":"loved","sentiment":"neutral","sentiment_score":-0.0148700550198555},{"word":"one","start":613.32,"end":613.72,"confidence":0.842041,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.018079008907079697},{"word":"and","start":613.72,"end":613.88,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02636962383985519},{"word":"that's","start":613.88,"end":614.12,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.028234239667654037},{"word":"when","start":614.12,"end":614.27997,"confidence":0.9902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.02689298987388611},{"word":"you're","start":614.27997,"end":614.44,"confidence":0.9807129,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.02695978805422783},{"word":"like","start":614.44,"end":614.76,"confidence":0.89868164,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.041292883455753326},{"word":"oh","start":614.76,"end":615.24,"confidence":0.9289551,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.040839508175849915},{"word":"you","start":615.24,"end":615.39996,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03796689212322235},{"word":"can","start":615.39996,"end":615.64,"confidence":0.9863281,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.027492709457874295},{"word":"realize","start":615.64,"end":616.04,"confidence":0.8391113,"punctuated_word":"realize,","sentiment":"neutral","sentiment_score":0.0028378255665302277},{"word":"obviously","start":616.04,"end":616.44,"confidence":0.9975586,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.007690049707889557},{"word":"the","start":616.44,"end":616.6,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04557497054338455},{"word":"last","start":616.6,"end":616.83997,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.11809920519590378},{"word":"thing","start":616.83997,"end":617.07996,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.08218774199485779},{"word":"you","start":617.07996,"end":617.24,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10804829001426695},{"word":"want","start":617.24,"end":617.48,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.12954363226890564},{"word":"is","start":617.48,"end":617.98,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.17425605654716492},{"word":"to","start":618.955,"end":619.195,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12208154052495956},{"word":"leave","start":619.195,"end":619.515,"confidence":0.9970703,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.12087051570415495},{"word":"you","start":619.755,"end":619.915,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05402177572250366},{"word":"know","start":619.915,"end":619.995,"confidence":0.98291016,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.08340069651603699},{"word":"you","start":619.995,"end":620.15497,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13165539503097534},{"word":"want","start":620.15497,"end":620.315,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.10532845556735992},{"word":"everything","start":620.315,"end":620.635,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2007862776517868},{"word":"as","start":620.635,"end":620.875,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13667260110378265},{"word":"smooth","start":620.875,"end":621.115,"confidence":0.99902344,"punctuated_word":"smooth","sentiment":"neutral","sentiment_score":0.18467918038368225},{"word":"as","start":621.115,"end":621.27496,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14360341429710388},{"word":"possible","start":621.27496,"end":621.595,"confidence":0.9970703,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.18848688900470736},{"word":"if","start":621.595,"end":621.755,"confidence":0.84228516,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.20399847626686096},{"word":"something","start":621.755,"end":622.15497,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.1391890048980713},{"word":"ever","start":622.15497,"end":622.315,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.16019555926322937},{"word":"would've","start":622.315,"end":622.635,"confidence":0.49414062,"punctuated_word":"would've","sentiment":"neutral","sentiment_score":0.10155878961086272},{"word":"happened","start":622.635,"end":622.875,"confidence":0.82958984,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":0.09169147908687592},{"word":"to","start":622.875,"end":623.115,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09264083951711656},{"word":"you","start":623.115,"end":623.615,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10101741552352904},{"word":"so","start":623.675,"end":624.15497,"confidence":0.44677734,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1259182244539261},{"word":"your","start":624.15497,"end":624.395,"confidence":0.9790039,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08575600385665894},{"word":"loved","start":624.395,"end":624.71497,"confidence":0.99902344,"punctuated_word":"loved","sentiment":"neutral","sentiment_score":0.219310998916626},{"word":"ones","start":624.71497,"end":625.21497,"confidence":0.8515625,"punctuated_word":"ones,","sentiment":"neutral","sentiment_score":0.11060446500778198},{"word":"you","start":625.27496,"end":625.435,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1280903518199921},{"word":"know","start":625.435,"end":625.675,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.17798198759555817},{"word":"don't","start":625.675,"end":625.835,"confidence":0.9946289,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.16838884353637695},{"word":"have","start":625.835,"end":626.075,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1808023899793625},{"word":"to","start":626.075,"end":626.395,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13989530503749847},{"word":"worry","start":626.395,"end":626.71497,"confidence":0.99902344,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":0.0831744372844696},{"word":"too","start":626.71497,"end":626.875,"confidence":0.9970703,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.12994223833084106},{"word":"much","start":626.875,"end":627.195,"confidence":0.99853516,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":0.12161291390657424},{"word":"so","start":627.195,"end":627.695,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12461243569850922},{"word":"do","start":627.835,"end":628.075,"confidence":0.9863281,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09242931008338928},{"word":"you","start":628.075,"end":628.15497,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.082267627120018},{"word":"guys","start":628.15497,"end":628.555,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.12233208119869232},{"word":"have","start":628.555,"end":629.055,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11681514978408812},{"word":"someone","start":630.315,"end":630.815,"confidence":0.9199219,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.09814351052045822},{"word":"local","start":630.875,"end":631.355,"confidence":0.9941406,"punctuated_word":"local","sentiment":"neutral","sentiment_score":0.13413119316101074},{"word":"that","start":631.355,"end":631.65,"confidence":0.94921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1111585721373558},{"word":"can","start":631.81,"end":631.89,"confidence":0.5336914,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12163500487804411},{"word":"assist","start":631.89,"end":632.05005,"confidence":0.99902344,"punctuated_word":"assist","sentiment":"neutral","sentiment_score":0.15949223935604095},{"word":"you","start":632.05005,"end":632.13,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15641795098781586},{"word":"with","start":632.13,"end":632.45,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16362150013446808},{"word":"it","start":632.45,"end":632.61005,"confidence":0.90722656,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.09395177662372588},{"word":"or","start":632.61005,"end":632.77,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0935785099864006},{"word":"do","start":632.77,"end":632.93005,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06609024107456207},{"word":"you","start":632.93005,"end":633.01,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08112575113773346},{"word":"need","start":633.01,"end":633.25,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.09973736107349396},{"word":"any","start":633.25,"end":633.49005,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08622025698423386},{"word":"suggestions","start":633.49005,"end":633.99005,"confidence":0.9980469,"punctuated_word":"suggestions","sentiment":"neutral","sentiment_score":0.04591413587331772},{"word":"on","start":634.13,"end":634.37,"confidence":0.8671875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.013781776651740074},{"word":"someone","start":634.37,"end":634.87,"confidence":0.98583984,"punctuated_word":"someone?","sentiment":"neutral","sentiment_score":0.03617772459983826},{"word":"yep","start":640.21,"end":640.71,"confidence":0.9916992,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.009541812352836132},{"word":"because","start":642.05005,"end":642.37,"confidence":0.99121094,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.08361959457397461},{"word":"what","start":642.37,"end":642.61005,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0901935249567032},{"word":"i","start":642.61005,"end":642.77,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09765464067459106},{"word":"can","start":642.77,"end":643.01,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09950998425483704},{"word":"do","start":643.01,"end":643.17004,"confidence":0.8491211,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.11745896190404892},{"word":"if","start":643.17004,"end":643.33,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09919776022434236},{"word":"you","start":643.33,"end":643.41003,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07942575216293335},{"word":"would","start":643.41003,"end":643.57,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08727842569351196},{"word":"like","start":643.57,"end":643.81,"confidence":0.95458984,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10094593465328217},{"word":"just","start":643.81,"end":643.97003,"confidence":0.9194336,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08381640911102295},{"word":"as","start":643.97003,"end":644.13,"confidence":0.9819336,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05412273108959198},{"word":"a","start":644.13,"end":644.21,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07316460460424423},{"word":"bit","start":644.21,"end":644.37,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09024961292743684},{"word":"of","start":644.37,"end":644.53,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08398297429084778},{"word":"a","start":644.53,"end":644.69,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07531477510929108},{"word":"comparison","start":644.69,"end":645.19,"confidence":0.96875,"punctuated_word":"comparison,","sentiment":"neutral","sentiment_score":0.09072266519069672},{"word":"is","start":646.195,"end":646.355,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09467360377311708},{"word":"that","start":646.355,"end":646.675,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07820619642734528},{"word":"i","start":646.675,"end":646.83496,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11169303953647614},{"word":"can","start":646.83496,"end":647.075,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10741648077964784},{"word":"send","start":647.075,"end":647.315,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.08545943349599838},{"word":"you","start":647.315,"end":647.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09201796352863312},{"word":"an","start":648.435,"end":648.755,"confidence":0.9428711,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08184134215116501},{"word":"email","start":648.755,"end":649.255,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.09105126559734344},{"word":"with","start":649.475,"end":649.71497,"confidence":0.96875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06535021960735321},{"word":"a","start":649.71497,"end":649.875,"confidence":0.5678711,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07381566613912582},{"word":"firm","start":649.875,"end":650.115,"confidence":0.99902344,"punctuated_word":"firm","sentiment":"neutral","sentiment_score":0.04121886193752289},{"word":"that","start":650.115,"end":650.355,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08843474090099335},{"word":"we","start":650.355,"end":650.51495,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09440255910158156},{"word":"work","start":650.51495,"end":650.915,"confidence":0.9980469,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.1450200378894806},{"word":"closely","start":650.915,"end":651.415,"confidence":1.0,"punctuated_word":"closely","sentiment":"neutral","sentiment_score":0.15490123629570007},{"word":"with","start":651.475,"end":651.975,"confidence":0.9177246,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.12916964292526245},{"word":"and","start":652.195,"end":652.355,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10644941031932832},{"word":"it","start":652.355,"end":652.51495,"confidence":0.9716797,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1221729815006256},{"word":"has","start":652.51495,"end":652.755,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.09120965003967284},{"word":"all","start":652.755,"end":652.915,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.037709180265665054},{"word":"the","start":652.915,"end":653.15497,"confidence":0.7607422,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.060969602316617966},{"word":"pricing","start":653.15497,"end":653.555,"confidence":1.0,"punctuated_word":"pricing","sentiment":"neutral","sentiment_score":0.03448941558599472},{"word":"and","start":653.555,"end":653.795,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.027853641659021378},{"word":"everything","start":653.795,"end":654.195,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.050511203706264496},{"word":"like","start":654.195,"end":654.435,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.024852201342582703},{"word":"that","start":654.435,"end":654.675,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06359930336475372},{"word":"as","start":654.675,"end":654.83496,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10189252346754074},{"word":"well","start":654.83496,"end":655.33496,"confidence":0.9970703,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.018810871988534927},{"word":"and","start":655.71497,"end":655.795,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17981544137001038},{"word":"then","start":655.795,"end":656.035,"confidence":0.9260254,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.1203010082244873},{"word":"obviously","start":656.035,"end":656.51495,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.1106729507446289},{"word":"you","start":656.51495,"end":656.675,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15777340531349182},{"word":"can","start":656.675,"end":657.075,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17073245346546173},{"word":"even","start":657.075,"end":657.315,"confidence":0.75,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.14096958935260773},{"word":"if","start":657.555,"end":657.71497,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17228901386260986},{"word":"you","start":657.71497,"end":657.875,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14083032310009003},{"word":"don't","start":657.875,"end":658.115,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.12258818745613098},{"word":"decide","start":658.115,"end":658.51495,"confidence":1.0,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.10370588302612305},{"word":"to","start":658.51495,"end":658.675,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13091875612735748},{"word":"do","start":658.675,"end":658.83496,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15213611721992493},{"word":"that","start":658.83496,"end":659.075,"confidence":1.0,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.18077662587165833},{"word":"you","start":659.075,"end":659.235,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21306918561458588},{"word":"can","start":659.235,"end":659.315,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19615168869495392},{"word":"even","start":659.315,"end":659.635,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.22515983879566193},{"word":"use","start":659.635,"end":659.795,"confidence":1.0,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.22359585762023929},{"word":"it","start":659.795,"end":659.95496,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23790523409843445},{"word":"as","start":659.95496,"end":660.115,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18850967288017273},{"word":"a","start":660.115,"end":660.195,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2218831777572632},{"word":"bit","start":660.195,"end":660.355,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20413503050804135},{"word":"of","start":660.355,"end":660.51495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22044093906879425},{"word":"a","start":660.51495,"end":660.675,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17440350353717804},{"word":"price","start":660.675,"end":660.995,"confidence":0.9921875,"punctuated_word":"price","sentiment":"neutral","sentiment_score":0.11698591709136964},{"word":"guide","start":660.995,"end":661.47,"confidence":0.9980469,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.12068382650613783},{"word":"of","start":661.55,"end":661.70996,"confidence":0.9560547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11499999463558196},{"word":"when","start":661.70996,"end":661.87,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.09975410997867584},{"word":"you","start":661.87,"end":661.94995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10192251205444336},{"word":"are","start":661.94995,"end":662.18994,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08087648451328278},{"word":"speaking","start":662.18994,"end":662.58997,"confidence":1.0,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":0.102059043943882},{"word":"to","start":662.58997,"end":663.06995,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0846366286277771},{"word":"someone","start":663.06995,"end":663.38995,"confidence":1.0,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.1543806791305542},{"word":"else","start":663.38995,"end":663.70996,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.13797889649868011},{"word":"to","start":663.70996,"end":663.87,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11886168271303175},{"word":"see","start":663.87,"end":664.11,"confidence":0.9902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1354542076587677},{"word":"roughly","start":664.11,"end":664.50995,"confidence":0.98535156,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.11322706192731856},{"word":"how","start":664.50995,"end":664.67,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.10168150067329408},{"word":"much","start":664.67,"end":664.91,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.06857691705226898},{"word":"it","start":664.91,"end":664.99,"confidence":0.8935547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12788863480091095},{"word":"might","start":664.99,"end":665.31,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.08590878546237946},{"word":"cost","start":665.31,"end":665.70996,"confidence":0.8190918,"punctuated_word":"cost,","sentiment":"neutral","sentiment_score":0.11417969316244124},{"word":"if","start":665.70996,"end":665.87,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1753368377685547},{"word":"that","start":665.87,"end":665.94995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2005203664302826},{"word":"would","start":665.94995,"end":666.11,"confidence":0.9951172,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1688133031129837},{"word":"be","start":666.11,"end":666.26996,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.152911975979805},{"word":"helpful","start":666.26996,"end":666.76996,"confidence":0.8293457,"punctuated_word":"helpful.","sentiment":"neutral","sentiment_score":0.13602574169635773},{"word":"yeah","start":668.50995,"end":668.99,"confidence":0.9375,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.39500558376312256},{"word":"yeah","start":668.99,"end":669.49,"confidence":0.8803711,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4672659039497375},{"word":"perfect","start":669.62994,"end":670.12994,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6716053485870361},{"word":"i","start":670.18994,"end":670.35,"confidence":0.9970703,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.40700024366378784},{"word":"will","start":670.35,"end":670.50995,"confidence":0.84765625,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.4373481869697571},{"word":"get","start":670.50995,"end":670.75,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.41554516553878784},{"word":"the","start":670.75,"end":670.82996,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4482988715171814},{"word":"team","start":670.82996,"end":671.06995,"confidence":0.9980469,"punctuated_word":"team","sentiment":"positive","sentiment_score":0.4437410235404968},{"word":"to","start":671.06995,"end":671.23,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5107108950614929},{"word":"email","start":671.23,"end":671.55,"confidence":1.0,"punctuated_word":"email","sentiment":"positive","sentiment_score":0.42823082208633423},{"word":"that","start":671.55,"end":671.70996,"confidence":0.86157227,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.36785197257995605},{"word":"and","start":671.70996,"end":671.87,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2824452817440033},{"word":"that","start":671.87,"end":672.11,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2633064389228821},{"word":"also","start":672.11,"end":672.43,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2527662515640259},{"word":"includes","start":672.43,"end":672.91,"confidence":0.99902344,"punctuated_word":"includes","sentiment":"neutral","sentiment_score":0.2615218162536621},{"word":"just","start":672.91,"end":673.14996,"confidence":0.7807617,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":0.3150138258934021},{"word":"like","start":673.14996,"end":673.38995,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2711935043334961},{"word":"a","start":673.38995,"end":673.47,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32887715101242065},{"word":"basic","start":673.47,"end":673.97,"confidence":1.0,"punctuated_word":"basic","sentiment":"neutral","sentiment_score":0.22947749495506287},{"word":"will","start":674.02997,"end":674.52997,"confidence":0.9970703,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.34472745656967163},{"word":"or","start":674.58997,"end":674.75,"confidence":0.640625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2952589988708496},{"word":"if","start":674.75,"end":674.985,"confidence":0.99121094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.32274335622787476},{"word":"you","start":674.985,"end":675.14496,"confidence":0.98095703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3069869577884674},{"word":"wanna","start":675.14496,"end":675.385,"confidence":0.7915039,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.3271152377128601},{"word":"will","start":675.385,"end":675.58496,"confidence":0.9589844,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.34668511152267456},{"word":"a","start":675.58496,"end":675.785,"confidence":0.79541016,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.34945204854011536},{"word":"power","start":675.785,"end":676.105,"confidence":0.9863281,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.2964828610420227},{"word":"of","start":676.105,"end":676.185,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30781418085098267},{"word":"attorney","start":676.185,"end":676.685,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.2423475682735443},{"word":"or","start":676.745,"end":676.985,"confidence":0.83203125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.268879234790802},{"word":"if","start":676.985,"end":677.065,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.32984617352485657},{"word":"you","start":677.065,"end":677.225,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30107972025871277},{"word":"want","start":677.225,"end":677.46497,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.25918474793434143},{"word":"to","start":677.46497,"end":677.545,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29875800013542175},{"word":"do","start":677.545,"end":678.045,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.29901188611984253},{"word":"it","start":678.265,"end":678.345,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3561426103115082},{"word":"as","start":678.345,"end":678.505,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.289466917514801},{"word":"a","start":678.505,"end":678.58496,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3871341049671173},{"word":"couple","start":678.58496,"end":678.985,"confidence":0.99902344,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.332355260848999},{"word":"as","start":678.985,"end":679.14496,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3486669957637787},{"word":"well","start":679.14496,"end":679.64496,"confidence":0.9421387,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.40046948194503784},{"word":"they","start":680.02496,"end":680.105,"confidence":0.5385742,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.4230474531650543},{"word":"can","start":680.105,"end":680.265,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3371324837207794},{"word":"do","start":680.265,"end":680.425,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.33053460717201233},{"word":"that","start":680.425,"end":680.665,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3578900992870331},{"word":"as","start":680.665,"end":680.825,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3296324610710144},{"word":"well","start":680.825,"end":681.325,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2727675437927246},{"word":"yep","start":682.985,"end":683.485,"confidence":0.9116211,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08840297162532806},{"word":"otherwise","start":684.505,"end":685.005,"confidence":0.95166016,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":0.03323011100292206},{"word":"though","start":685.065,"end":685.545,"confidence":0.98657227,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":-0.0032815970480442047},{"word":"when","start":685.545,"end":685.70496,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.016469284892082214},{"word":"it","start":685.70496,"end":685.865,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.016570396721363068},{"word":"comes","start":685.865,"end":686.185,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.02901245653629303},{"word":"to","start":686.185,"end":686.345,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.027195073664188385},{"word":"your","start":686.345,"end":686.825,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.014092102646827698},{"word":"superannuation","start":686.825,"end":687.325,"confidence":0.87841797,"punctuated_word":"superannuation,","sentiment":"neutral","sentiment_score":0.0030616666190326214},{"word":"so","start":688.02496,"end":688.52496,"confidence":0.96435547,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.02923484891653061},{"word":"superannuation","start":689.3,"end":689.8,"confidence":0.99641925,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.0002297237515449524},{"word":"does","start":689.86,"end":690.1,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.07471095025539398},{"word":"not","start":690.1,"end":690.33997,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03723984211683273},{"word":"form","start":690.33997,"end":690.57996,"confidence":0.99609375,"punctuated_word":"form","sentiment":"neutral","sentiment_score":-0.03591616451740265},{"word":"part","start":690.57996,"end":690.89996,"confidence":0.99902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.024694956839084625},{"word":"of","start":690.89996,"end":691.13995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.017899759113788605},{"word":"the","start":691.13995,"end":691.45996,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005552768707275391},{"word":"estate","start":691.45996,"end":691.95996,"confidence":0.95654297,"punctuated_word":"estate.","sentiment":"neutral","sentiment_score":-0.039276085793972015},{"word":"so","start":693.06,"end":693.56,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.020767606794834137},{"word":"i","start":693.69995,"end":693.86,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06430868804454803},{"word":"have","start":693.86,"end":694.18,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07007796317338943},{"word":"here","start":694.18,"end":694.5,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.0864996537566185},{"word":"that","start":694.5,"end":694.82,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08235816657543182},{"word":"if","start":694.82,"end":694.98,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10956305265426636},{"word":"something","start":694.98,"end":695.3,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.07914873957633972},{"word":"were","start":695.3,"end":695.45996,"confidence":0.9536133,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.1095980703830719},{"word":"to","start":695.45996,"end":695.54,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08889931440353394},{"word":"happen","start":695.54,"end":695.94,"confidence":0.9970703,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.06975977122783661},{"word":"to","start":695.94,"end":696.18,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.041205886751413345},{"word":"you","start":696.18,"end":696.66,"confidence":0.99902344,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.05034201592206955},{"word":"you","start":696.66,"end":696.82,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0525880753993988},{"word":"would","start":696.82,"end":697.06,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06272215396165848},{"word":"like","start":697.06,"end":697.45996,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0494382344186306},{"word":"your","start":697.45996,"end":697.69995,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06349776685237885},{"word":"super","start":697.69995,"end":698.01996,"confidence":0.9902344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.13691289722919464},{"word":"to","start":698.01996,"end":698.18,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07352931797504425},{"word":"go","start":698.18,"end":698.33997,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10250592231750488},{"word":"to","start":698.33997,"end":698.5,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06101902574300766},{"word":"kathy","start":698.5,"end":699.0,"confidence":0.86328125,"punctuated_word":"Kathy.","sentiment":"neutral","sentiment_score":0.07957728207111359},{"word":"is","start":699.22,"end":699.38,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.07967463880777359},{"word":"that","start":699.38,"end":699.62,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08160868287086487},{"word":"correct","start":699.62,"end":700.12,"confidence":1.0,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.0738837718963623},{"word":"yep","start":700.89996,"end":701.39996,"confidence":0.75390625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1843725293874741},{"word":"because","start":702.305,"end":702.625,"confidence":0.8881836,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.2726181149482727},{"word":"she","start":702.625,"end":702.865,"confidence":0.99902344,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.31185078620910645},{"word":"is","start":702.865,"end":703.105,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2667892575263977},{"word":"your","start":703.105,"end":703.345,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.34025537967681885},{"word":"spouse","start":703.345,"end":703.665,"confidence":1.0,"punctuated_word":"spouse","sentiment":"positive","sentiment_score":0.34460610151290894},{"word":"as","start":703.665,"end":703.90497,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.40556800365448},{"word":"well","start":703.90497,"end":704.14496,"confidence":0.86938477,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.3452487587928772},{"word":"if","start":704.14496,"end":704.385,"confidence":0.97314453,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.41997548937797546},{"word":"something","start":704.385,"end":704.785,"confidence":1.0,"punctuated_word":"something","sentiment":"positive","sentiment_score":0.40747761726379395},{"word":"were","start":704.785,"end":705.02496,"confidence":0.97998047,"punctuated_word":"were","sentiment":"positive","sentiment_score":0.3845234513282776},{"word":"to","start":705.02496,"end":705.105,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3847898244857788},{"word":"happen","start":705.105,"end":705.425,"confidence":0.9970703,"punctuated_word":"happen,","sentiment":"positive","sentiment_score":0.4097990393638611},{"word":"it","start":705.425,"end":705.505,"confidence":0.9892578,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3933168351650238},{"word":"will","start":705.505,"end":705.745,"confidence":0.9980469,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.38406476378440857},{"word":"go","start":705.745,"end":705.985,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.4707794487476349},{"word":"completely","start":705.985,"end":706.485,"confidence":1.0,"punctuated_word":"completely","sentiment":"positive","sentiment_score":0.44368717074394226},{"word":"tax","start":706.545,"end":706.785,"confidence":1.0,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.5145431756973267},{"word":"free","start":706.785,"end":707.105,"confidence":0.9863281,"punctuated_word":"free","sentiment":"positive","sentiment_score":0.3935495615005493},{"word":"to","start":707.105,"end":707.265,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4292450249195099},{"word":"her","start":707.265,"end":707.505,"confidence":0.9851074,"punctuated_word":"her,","sentiment":"positive","sentiment_score":0.4200364947319031},{"word":"which","start":707.505,"end":707.745,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4733431935310364},{"word":"is","start":707.745,"end":707.90497,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.48660698533058167},{"word":"good","start":707.90497,"end":708.40497,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3629522919654846},{"word":"yep","start":711.345,"end":711.845,"confidence":0.9199219,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.051760103553533554},{"word":"otherwise","start":712.785,"end":713.185,"confidence":0.9785156,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":0.006637550890445709},{"word":"you","start":713.185,"end":713.345,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.029870178550481796},{"word":"don't","start":713.345,"end":713.505,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.019082577899098396},{"word":"have","start":713.505,"end":713.745,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.039625123143196106},{"word":"anyone","start":713.745,"end":714.065,"confidence":0.99902344,"punctuated_word":"anyone","sentiment":"neutral","sentiment_score":-0.04019885882735253},{"word":"who","start":714.065,"end":714.225,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.03659069165587425},{"word":"makes","start":714.225,"end":714.46497,"confidence":1.0,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.020712867379188538},{"word":"any","start":714.46497,"end":714.625,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.04548199847340584},{"word":"financial","start":714.625,"end":715.125,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.06136917695403099},{"word":"decisions","start":715.185,"end":715.665,"confidence":0.9838867,"punctuated_word":"decisions","sentiment":"neutral","sentiment_score":-0.04412221536040306},{"word":"in","start":715.665,"end":715.825,"confidence":0.7734375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04409625753760338},{"word":"on","start":715.985,"end":716.14496,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04322412610054016},{"word":"your","start":716.14496,"end":716.385,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.017464548349380493},{"word":"behalf","start":716.385,"end":716.885,"confidence":0.94018555,"punctuated_word":"behalf?","sentiment":"neutral","sentiment_score":-0.04203794151544571},{"word":"no","start":719.13,"end":719.63,"confidence":0.97143555,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2071147859096527},{"word":"perfect","start":719.93,"end":720.43,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":-0.27391332387924194},{"word":"that's","start":724.01,"end":724.33,"confidence":0.99365234,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.04041988402605057},{"word":"often","start":724.33,"end":724.73004,"confidence":0.9951172,"punctuated_word":"often","sentiment":"neutral","sentiment_score":0.012063555419445038},{"word":"the","start":724.73004,"end":724.81,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.018535181879997253},{"word":"case","start":724.81,"end":725.31,"confidence":1.0,"punctuated_word":"case.","sentiment":"neutral","sentiment_score":-0.014035791158676147},{"word":"they're","start":725.93,"end":726.17004,"confidence":0.9875488,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.031071020290255547},{"word":"like","start":726.17004,"end":726.57,"confidence":0.93530273,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05530465766787529},{"word":"not","start":726.57,"end":726.81,"confidence":0.5058594,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.02939038723707199},{"word":"not","start":726.81,"end":726.97003,"confidence":0.74853516,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03313428908586502},{"word":"officially","start":726.97003,"end":727.47003,"confidence":0.97436523,"punctuated_word":"officially,","sentiment":"neutral","sentiment_score":-0.021784119307994843},{"word":"but","start":727.69,"end":727.93,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.00039283931255340576},{"word":"my","start":727.93,"end":728.09,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.01033230870962143},{"word":"wife","start":728.09,"end":728.33,"confidence":1.0,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":-0.0007393211126327515},{"word":"or","start":728.33,"end":728.41003,"confidence":0.48901367,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.003530643880367279},{"word":"husband","start":728.41003,"end":728.81,"confidence":0.9980469,"punctuated_word":"husband","sentiment":"neutral","sentiment_score":0.003698684275150299},{"word":"does","start":728.81,"end":729.13,"confidence":0.7956543,"punctuated_word":"does,","sentiment":"neutral","sentiment_score":0.038145508617162704},{"word":"kind","start":729.13,"end":729.37,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.00639699399471283},{"word":"of","start":729.37,"end":729.87,"confidence":0.9707031,"punctuated_word":"of.","sentiment":"neutral","sentiment_score":-0.006628144532442093},{"word":"so","start":731.65497,"end":731.735,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22955170273780823},{"word":"that's","start":731.735,"end":731.81494,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.3144014775753021},{"word":"all","start":731.81494,"end":731.89496,"confidence":0.99902344,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3692600727081299},{"word":"good","start":731.89496,"end":732.39496,"confidence":0.99560547,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.26105770468711853},{"word":"and","start":733.095,"end":733.415,"confidence":0.6888428,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.16768401861190796},{"word":"hey","start":733.415,"end":733.57495,"confidence":0.99902344,"punctuated_word":"hey,","sentiment":"neutral","sentiment_score":0.22213327884674072},{"word":"kathy","start":733.57495,"end":733.975,"confidence":0.78222656,"punctuated_word":"Kathy.","sentiment":"neutral","sentiment_score":0.27213549613952637},{"word":"how","start":733.975,"end":734.13495,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2520575225353241},{"word":"are","start":734.13495,"end":734.295,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1932676136493683},{"word":"you","start":734.295,"end":734.795,"confidence":0.9995117,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.2098887860774994},{"word":"that's","start":736.77496,"end":737.175,"confidence":0.78808594,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6236805319786072},{"word":"good","start":737.175,"end":737.675,"confidence":0.99609375,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5660935044288635},{"word":"now","start":739.975,"end":740.475,"confidence":0.88134766,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.15030401945114136},{"word":"the","start":740.615,"end":740.77496,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09167292714118958},{"word":"next","start":740.77496,"end":741.01495,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1017863005399704},{"word":"thing","start":741.01495,"end":741.255,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.08203671872615814},{"word":"i","start":741.255,"end":741.33496,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06828572601079941},{"word":"do","start":741.33496,"end":741.57495,"confidence":0.9326172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07211564481258392},{"word":"quickly","start":741.57495,"end":741.975,"confidence":0.9902344,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.09867087751626968},{"word":"wanna","start":741.975,"end":742.295,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.11412443965673448},{"word":"run","start":742.295,"end":742.45496,"confidence":0.99902344,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.08815325796604156},{"word":"through","start":742.45496,"end":742.615,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12114457041025162},{"word":"that","start":742.615,"end":742.855,"confidence":0.4658203,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13181471824645996},{"word":"with","start":742.855,"end":743.01495,"confidence":0.90527344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1181853413581848},{"word":"you","start":743.01495,"end":743.255,"confidence":0.9975586,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.13422149419784546},{"word":"peter","start":743.255,"end":743.65497,"confidence":0.99560547,"punctuated_word":"Peter,","sentiment":"neutral","sentiment_score":0.09428682178258896},{"word":"is","start":743.65497,"end":743.89496,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.059579998254776},{"word":"just","start":743.89496,"end":744.39496,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12061342597007751},{"word":"your","start":744.615,"end":744.935,"confidence":0.80322266,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06385049223899841},{"word":"risk","start":744.935,"end":745.255,"confidence":0.4885254,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.01291266828775406},{"word":"profile","start":745.255,"end":745.755,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.026561394333839417},{"word":"just","start":746.27997,"end":746.51996,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07643387466669083},{"word":"to","start":746.51996,"end":746.68,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05949030816555023},{"word":"see","start":746.68,"end":747.0,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06535663455724716},{"word":"if","start":747.0,"end":747.16,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02569494396448135},{"word":"we","start":747.16,"end":747.32,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04706495255231857},{"word":"need","start":747.32,"end":747.48,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.09458214044570924},{"word":"to","start":747.48,"end":747.56,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11434847116470336},{"word":"make","start":747.56,"end":747.72,"confidence":0.98291016,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.07224614173173904},{"word":"any","start":747.72,"end":747.88,"confidence":0.6948242,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1191549226641655},{"word":"tweaks","start":747.88,"end":748.19995,"confidence":0.9980469,"punctuated_word":"tweaks","sentiment":"neutral","sentiment_score":0.01750916615128517},{"word":"and","start":748.19995,"end":748.36,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.002100631594657898},{"word":"changes","start":748.36,"end":748.86,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.015952885150909424},{"word":"to","start":749.07996,"end":749.24,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.046461932361125946},{"word":"your","start":749.24,"end":749.56,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.003256469964981079},{"word":"risk","start":749.56,"end":749.88,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.0631498172879219},{"word":"tolerance","start":749.88,"end":750.38,"confidence":0.99902344,"punctuated_word":"tolerance","sentiment":"neutral","sentiment_score":-0.01755596697330475},{"word":"or","start":750.44,"end":750.6,"confidence":0.9428711,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.018948137760162354},{"word":"how","start":750.6,"end":750.83997,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.013605959713459017},{"word":"your","start":750.83997,"end":751.0,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0017296373844146729},{"word":"money","start":751.0,"end":751.32,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.01972479373216629},{"word":"is","start":751.32,"end":751.72,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03384716808795929},{"word":"invested","start":751.72,"end":752.22,"confidence":0.75634766,"punctuated_word":"invested,","sentiment":"neutral","sentiment_score":0.03805367648601532},{"word":"if","start":752.92,"end":753.16,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07618127763271332},{"word":"any","start":753.16,"end":753.39996,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07554291933774948},{"word":"of","start":753.39996,"end":753.56,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.057987384498119354},{"word":"that","start":753.56,"end":753.95996,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.021580256521701813},{"word":"has","start":753.95996,"end":754.44,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.05638274550437927},{"word":"changed","start":754.44,"end":754.83997,"confidence":0.9980469,"punctuated_word":"changed.","sentiment":"neutral","sentiment_score":0.0732196718454361},{"word":"so","start":754.83997,"end":755.07996,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13052403926849365},{"word":"it","start":755.07996,"end":755.32,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15986782312393188},{"word":"is","start":755.32,"end":755.48,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1525111347436905},{"word":"just","start":755.48,"end":755.8,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1625041663646698},{"word":"a","start":755.8,"end":755.88,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1896774172782898},{"word":"couple","start":755.88,"end":756.27997,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.19466884434223175},{"word":"of","start":756.27997,"end":756.6,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22771672904491425},{"word":"multiple","start":756.6,"end":757.07996,"confidence":1.0,"punctuated_word":"multiple","sentiment":"neutral","sentiment_score":0.22851350903511047},{"word":"choice","start":757.07996,"end":757.48,"confidence":1.0,"punctuated_word":"choice","sentiment":"neutral","sentiment_score":0.25718533992767334},{"word":"questions","start":757.48,"end":757.98,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.30339354276657104},{"word":"to","start":758.04,"end":758.19995,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3666119575500488},{"word":"make","start":758.19995,"end":758.44,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.468685507774353},{"word":"it","start":758.44,"end":758.6,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3232112228870392},{"word":"nice","start":758.6,"end":758.92,"confidence":1.0,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.47739532589912415},{"word":"and","start":758.92,"end":759.24,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4433086812496186},{"word":"easy","start":759.24,"end":759.74,"confidence":0.859375,"punctuated_word":"easy,","sentiment":"positive","sentiment_score":0.36804842948913574},{"word":"and","start":760.255,"end":760.415,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28410089015960693},{"word":"you","start":760.415,"end":760.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24768467247486117},{"word":"just","start":760.815,"end":761.055,"confidence":0.98828125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2873784899711609},{"word":"let","start":761.055,"end":761.295,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.22385330498218536},{"word":"me","start":761.295,"end":761.45496,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2251368761062622},{"word":"know","start":761.45496,"end":761.855,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2182568907737732},{"word":"whatever","start":761.855,"end":762.33496,"confidence":0.9980469,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.25055432319641113},{"word":"you","start":762.33496,"end":762.495,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1448362022638321},{"word":"feel","start":762.495,"end":762.89496,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.11418762803077698},{"word":"is","start":762.89496,"end":763.135,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1979036033153534},{"word":"the","start":763.135,"end":763.295,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10337603837251665},{"word":"most","start":763.295,"end":763.77496,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.16044318675994873},{"word":"appropriate","start":763.77496,"end":764.27496,"confidence":1.0,"punctuated_word":"appropriate","sentiment":"neutral","sentiment_score":0.16729286313056946},{"word":"for","start":764.65497,"end":764.815,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22406361997127533},{"word":"you","start":764.815,"end":765.055,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.15356767177581787},{"word":"does","start":765.055,"end":765.295,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.11543384194374084},{"word":"that","start":765.295,"end":765.535,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16398996114730835},{"word":"make","start":765.535,"end":765.77496,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.13074550032615662},{"word":"sense","start":765.77496,"end":766.27496,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.07703520357608795},{"word":"yep","start":768.815,"end":769.315,"confidence":0.86743164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02912246249616146},{"word":"now","start":770.415,"end":770.915,"confidence":0.6777344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.0080647561699152},{"word":"have","start":770.975,"end":771.21497,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01894293539226055},{"word":"you","start":771.21497,"end":771.45496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.016382893547415733},{"word":"ever","start":771.45496,"end":771.77496,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.00559648871421814},{"word":"bought","start":771.77496,"end":772.27496,"confidence":0.99902344,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":-0.02155293896794319},{"word":"direct","start":772.33496,"end":772.815,"confidence":0.9951172,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":-0.07141579687595367},{"word":"shares","start":772.815,"end":773.295,"confidence":0.99609375,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.009357009083032608},{"word":"on","start":773.295,"end":773.535,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.004794657230377197},{"word":"the","start":773.535,"end":773.77496,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016383979469537735},{"word":"stock","start":773.77496,"end":774.175,"confidence":1.0,"punctuated_word":"stock","sentiment":"neutral","sentiment_score":0.0007786005735397339},{"word":"market","start":774.175,"end":774.65497,"confidence":0.9951172,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.01877690851688385},{"word":"yourself","start":774.65497,"end":775.15497,"confidence":0.9995117,"punctuated_word":"yourself?","sentiment":"neutral","sentiment_score":-0.004968274384737015},{"word":"nope","start":777.5,"end":778.0,"confidence":0.9428711,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.07959597557783127},{"word":"and","start":779.89996,"end":780.22,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.011169614270329475},{"word":"when","start":780.22,"end":780.45996,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0008778497576713562},{"word":"it","start":780.45996,"end":780.62,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0067796725779771805},{"word":"comes","start":780.62,"end":781.1,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.005726100876927376},{"word":"through","start":781.1,"end":781.6,"confidence":0.6586914,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.00493115559220314},{"word":"how","start":781.66,"end":781.89996,"confidence":0.9873047,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.0022508129477500916},{"word":"much","start":781.89996,"end":782.39996,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.01981574669480324},{"word":"risk","start":782.45996,"end":782.94,"confidence":0.9902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.020915525034070015},{"word":"you","start":782.94,"end":783.26,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.031050771474838257},{"word":"are","start":783.26,"end":783.5,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.022780291736125943},{"word":"willing","start":783.5,"end":784.0,"confidence":1.0,"punctuated_word":"willing","sentiment":"neutral","sentiment_score":-0.027107611298561096},{"word":"to","start":784.06,"end":784.22,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01927810162305832},{"word":"take","start":784.22,"end":784.72,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.020921483635902405},{"word":"for","start":784.86,"end":785.1,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.012955620884895325},{"word":"your","start":785.1,"end":785.58,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.009441543370485306},{"word":"superannuation","start":785.58,"end":786.08,"confidence":0.9968262,"punctuated_word":"superannuation,","sentiment":"neutral","sentiment_score":0.008303580805659294},{"word":"would","start":787.66,"end":787.98,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.014628872275352478},{"word":"you","start":787.98,"end":788.3,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.004466835409402847},{"word":"say","start":788.3,"end":788.77997,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.007485628128051758},{"word":"that","start":788.77997,"end":789.02,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.015879571437835693},{"word":"you","start":789.02,"end":789.26,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01080763339996338},{"word":"are","start":789.26,"end":789.42,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.01113530620932579},{"word":"willing","start":789.42,"end":789.89996,"confidence":1.0,"punctuated_word":"willing","sentiment":"neutral","sentiment_score":-0.02515685185790062},{"word":"to","start":789.89996,"end":790.14,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.021165527403354645},{"word":"accept","start":790.14,"end":790.64,"confidence":1.0,"punctuated_word":"accept","sentiment":"neutral","sentiment_score":-0.03639191761612892},{"word":"very","start":791.22504,"end":791.705,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.02145384252071381},{"word":"high","start":791.705,"end":792.10504,"confidence":1.0,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.03269936889410019},{"word":"risk","start":792.10504,"end":792.60504,"confidence":0.98217773,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":-0.049721572548151016},{"word":"high","start":793.465,"end":793.965,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.022140786051750183},{"word":"moderate","start":794.42505,"end":794.92505,"confidence":0.7866211,"punctuated_word":"moderate,","sentiment":"neutral","sentiment_score":-0.04363236948847771},{"word":"or","start":795.145,"end":795.54504,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02196357026696205},{"word":"a","start":795.54504,"end":795.705,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.021853813901543617},{"word":"small","start":795.705,"end":796.18506,"confidence":1.0,"punctuated_word":"small","sentiment":"neutral","sentiment_score":-0.011336814612150192},{"word":"amount","start":796.18506,"end":796.505,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.025199078023433685},{"word":"of","start":796.505,"end":796.74506,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.028746262192726135},{"word":"risk","start":796.74506,"end":797.145,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.04303506016731262},{"word":"for","start":797.145,"end":797.385,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06494911760091782},{"word":"your","start":797.385,"end":797.705,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02066614106297493},{"word":"superannuation","start":797.705,"end":798.205,"confidence":0.9876709,"punctuated_word":"superannuation?","sentiment":"neutral","sentiment_score":-0.002258091000840068},{"word":"between","start":803.48,"end":803.98,"confidence":0.45129395,"punctuated_word":"Between,","sentiment":"neutral","sentiment_score":-0.03138956427574158},{"word":"yep","start":804.27997,"end":804.68,"confidence":0.88623047,"punctuated_word":"yep,","sentiment":"neutral","sentiment_score":-0.01964724250137806},{"word":"between","start":804.68,"end":805.0,"confidence":0.9970703,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.028356460854411125},{"word":"high","start":805.0,"end":805.24,"confidence":0.96533203,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.015363328158855438},{"word":"to","start":805.24,"end":805.39996,"confidence":0.9633789,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.042141497135162354},{"word":"moderate","start":805.39996,"end":805.89996,"confidence":0.9848633,"punctuated_word":"moderate.","sentiment":"neutral","sentiment_score":-0.045594897121191025},{"word":"yep","start":807.24,"end":807.74,"confidence":0.9116211,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.09253470599651337},{"word":"no","start":809.07996,"end":809.57996,"confidence":0.9946289,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11053207516670228},{"word":"especially","start":810.36,"end":810.86,"confidence":0.99316406,"punctuated_word":"Especially","sentiment":"neutral","sentiment_score":-0.10406045615673064},{"word":"with","start":810.92,"end":811.16,"confidence":0.9580078,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07909038662910461},{"word":"time","start":811.16,"end":811.48,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.05393385142087936},{"word":"as","start":811.48,"end":811.63995,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.07425715774297714},{"word":"well","start":811.63995,"end":811.88,"confidence":0.8679199,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.03139234706759453},{"word":"that's","start":811.88,"end":812.12,"confidence":0.9951172,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.021781906485557556},{"word":"when","start":812.12,"end":812.27997,"confidence":0.9526367,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.022402428090572357},{"word":"that","start":812.27997,"end":812.51996,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01597386598587036},{"word":"comes","start":812.51996,"end":812.76,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.049576617777347565},{"word":"in","start":812.76,"end":812.92,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02933330833911896},{"word":"handy","start":812.92,"end":813.32,"confidence":0.99609375,"punctuated_word":"handy","sentiment":"neutral","sentiment_score":0.007009595632553101},{"word":"that","start":813.32,"end":813.82,"confidence":0.7314453,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.08167937397956848},{"word":"you","start":813.95996,"end":814.12,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09773150086402892},{"word":"know","start":814.12,"end":814.36,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.10769662261009216},{"word":"typically","start":814.36,"end":814.86,"confidence":0.9555664,"punctuated_word":"typically,","sentiment":"neutral","sentiment_score":-0.08594460785388947},{"word":"market","start":815.16,"end":815.56,"confidence":0.9980469,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.13635975122451782},{"word":"always","start":815.56,"end":815.88,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.08499036729335785},{"word":"goes","start":815.88,"end":816.2,"confidence":0.9863281,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.06110909581184387},{"word":"up","start":816.2,"end":816.44,"confidence":0.9741211,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.06047838926315307},{"word":"over","start":816.44,"end":816.68,"confidence":0.9980469,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.07871315628290176},{"word":"the","start":816.68,"end":816.83997,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12975193560123444},{"word":"long","start":816.83997,"end":817.245,"confidence":0.9921875,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.10401125997304916},{"word":"term","start":817.245,"end":817.645,"confidence":0.8808594,"punctuated_word":"term.","sentiment":"neutral","sentiment_score":-0.1125420182943344},{"word":"the","start":817.645,"end":817.805,"confidence":0.6953125,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.09226986765861513},{"word":"short","start":817.805,"end":818.125,"confidence":0.99902344,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.0941929966211319},{"word":"term","start":818.125,"end":818.365,"confidence":0.9682617,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":-0.10050195455551147},{"word":"there","start":818.365,"end":818.605,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.0714375376701355},{"word":"will","start":818.605,"end":818.765,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.08779764920473099},{"word":"be","start":818.765,"end":819.005,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07501000165939331},{"word":"some","start":819.005,"end":819.165,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.06892795860767365},{"word":"ups","start":819.165,"end":819.40497,"confidence":0.9980469,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.09370742738246918},{"word":"and","start":819.40497,"end":819.565,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13552269339561462},{"word":"downs","start":819.565,"end":819.805,"confidence":0.9892578,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":-0.09928954392671584},{"word":"and","start":819.805,"end":819.96497,"confidence":0.4543457,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13605710864067078},{"word":"market","start":819.96497,"end":820.445,"confidence":0.9921875,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.21881112456321716},{"word":"fluctuations","start":820.445,"end":820.945,"confidence":1.0,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":-0.09027118980884552},{"word":"depending","start":821.245,"end":821.645,"confidence":0.9770508,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.09880100935697556},{"word":"on","start":821.645,"end":821.805,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09865640103816986},{"word":"what","start":821.805,"end":822.045,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.11236364394426346},{"word":"is","start":822.045,"end":822.205,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10966379940509796},{"word":"going","start":822.205,"end":822.365,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.10456516593694688},{"word":"on","start":822.365,"end":822.865,"confidence":0.7487793,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.10609371215105055},{"word":"and","start":823.005,"end":823.245,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04364915192127228},{"word":"we","start":823.245,"end":823.40497,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.027784429490566257},{"word":"also","start":823.40497,"end":823.725,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.03778724744915962},{"word":"wanna","start":823.725,"end":824.045,"confidence":0.99121094,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.0020331740379333496},{"word":"make","start":824.045,"end":824.205,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.017940230667591095},{"word":"sure","start":824.205,"end":824.445,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.01240558922290802},{"word":"that","start":824.445,"end":824.685,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.022504404187202457},{"word":"you","start":824.685,"end":824.845,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02895338088274002},{"word":"have","start":824.845,"end":825.005,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03843293339014053},{"word":"enough","start":825.005,"end":825.325,"confidence":1.0,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":-0.02183273434638977},{"word":"time","start":825.325,"end":825.725,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.0297001451253891},{"word":"for","start":825.725,"end":825.885,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.030607983469963074},{"word":"those","start":825.885,"end":826.205,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.037067070603370667},{"word":"fluctuations","start":826.205,"end":826.705,"confidence":0.99902344,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":-0.020312123000621796},{"word":"to","start":827.005,"end":827.165,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0603666678071022},{"word":"come","start":827.165,"end":827.325,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.032205730676651},{"word":"back","start":827.325,"end":827.565,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.041728027164936066},{"word":"around","start":827.565,"end":828.065,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.0659579336643219},{"word":"before","start":828.125,"end":828.525,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.05960357189178467},{"word":"you","start":828.525,"end":828.685,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.057916633784770966},{"word":"do","start":828.685,"end":828.925,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0616108737885952},{"word":"want","start":828.925,"end":829.165,"confidence":0.9614258,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.0548521913588047},{"word":"to","start":829.165,"end":829.325,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07342720031738281},{"word":"access","start":829.325,"end":829.805,"confidence":0.9970703,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.07928505539894104},{"word":"it","start":829.805,"end":830.13,"confidence":0.9904785,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.041791968047618866},{"word":"now","start":833.25,"end":833.75,"confidence":0.97509766,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0053130388259887695},{"word":"kind","start":834.13,"end":834.37,"confidence":0.9536133,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0031907930970191956},{"word":"of","start":834.37,"end":834.61,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.007976975291967392},{"word":"talking","start":834.61,"end":834.93,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.008253909647464752},{"word":"about","start":834.93,"end":835.41003,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.011298682540655136},{"word":"fluctuations","start":835.41003,"end":835.91003,"confidence":0.88964844,"punctuated_word":"fluctuations,","sentiment":"neutral","sentiment_score":-0.01924309693276882},{"word":"if","start":836.61,"end":836.93,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.01628703996539116},{"word":"you","start":836.93,"end":837.43,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01996428146958351},{"word":"placed","start":837.57,"end":837.97003,"confidence":0.51171875,"punctuated_word":"placed","sentiment":"neutral","sentiment_score":-0.0007347576320171356},{"word":"an","start":837.97003,"end":838.13,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.00944305956363678},{"word":"investment","start":838.13,"end":838.63,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.033849261701107025},{"word":"and","start":839.57,"end":839.73,"confidence":0.53515625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03041856922209263},{"word":"then","start":839.73,"end":840.13,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.017607785761356354},{"word":"let's","start":840.13,"end":840.45,"confidence":0.80908203,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.021846767514944077},{"word":"say","start":840.45,"end":840.95,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.018229082226753235},{"word":"after","start":841.17,"end":841.65,"confidence":0.7817383,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.027779757976531982},{"word":"six","start":841.65,"end":841.97003,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.02318652719259262},{"word":"months","start":841.97003,"end":842.45,"confidence":0.8925781,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":-0.029559694230556488},{"word":"it","start":842.45,"end":842.69,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.050224028527736664},{"word":"fell","start":842.69,"end":843.09,"confidence":0.9980469,"punctuated_word":"fell","sentiment":"neutral","sentiment_score":-0.03749203309416771},{"word":"by","start":843.09,"end":843.49,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.07046400755643845},{"word":"20%","start":843.49,"end":844.31,"confidence":0.9144287,"punctuated_word":"20%,","sentiment":"neutral","sentiment_score":-0.052716366946697235},{"word":"would","start":846.125,"end":846.445,"confidence":0.99902344,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.02487678080797195},{"word":"you","start":846.445,"end":846.945,"confidence":0.9379883,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.01990685611963272},{"word":"if","start":847.645,"end":847.885,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0024347081780433655},{"word":"you","start":847.885,"end":847.965,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01141849160194397},{"word":"had","start":847.965,"end":848.205,"confidence":0.98828125,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.007299169898033142},{"word":"the","start":848.205,"end":848.285,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01799100637435913},{"word":"option","start":848.285,"end":848.605,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.0049611106514930725},{"word":"to","start":848.605,"end":848.765,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.003820747137069702},{"word":"do","start":848.765,"end":849.085,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.026075292378664017},{"word":"so","start":849.085,"end":849.485,"confidence":0.9951172,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.015756111592054367},{"word":"think","start":849.485,"end":849.725,"confidence":0.99609375,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0056442394852638245},{"word":"that","start":849.725,"end":849.965,"confidence":0.91064453,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.01735464483499527},{"word":"well","start":849.965,"end":850.205,"confidence":0.9995117,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.007051102817058563},{"word":"now","start":850.205,"end":850.445,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.006920307874679565},{"word":"is","start":850.445,"end":850.605,"confidence":0.95703125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.004678383469581604},{"word":"potentially","start":850.605,"end":851.105,"confidence":0.9951172,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.06923094391822815},{"word":"a","start":851.165,"end":851.245,"confidence":0.96972656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.049326781183481216},{"word":"good","start":851.245,"end":851.485,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.07598874717950821},{"word":"time","start":851.485,"end":851.725,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.08494922518730164},{"word":"to","start":851.725,"end":851.805,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.015118256211280824},{"word":"put","start":851.805,"end":852.045,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.02889224886894226},{"word":"a","start":852.045,"end":852.125,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0262344554066658},{"word":"little","start":852.125,"end":852.365,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.041358932852745056},{"word":"bit","start":852.365,"end":852.525,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.003095068037509918},{"word":"more","start":852.525,"end":852.765,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.03425145149230957},{"word":"in","start":852.765,"end":853.085,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.013818956911563872},{"word":"while","start":853.085,"end":853.325,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.02778119593858719},{"word":"the","start":853.325,"end":853.405,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.046932000666856766},{"word":"prices","start":853.405,"end":853.885,"confidence":1.0,"punctuated_word":"prices","sentiment":"neutral","sentiment_score":-0.06942900270223618},{"word":"are","start":853.885,"end":854.045,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.05306035280227661},{"word":"down","start":854.045,"end":854.545,"confidence":0.9291992,"punctuated_word":"down?","sentiment":"neutral","sentiment_score":-0.05109135806560517},{"word":"would","start":855.085,"end":855.325,"confidence":0.99902344,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.03964368626475334},{"word":"you","start":855.325,"end":855.565,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05701134726405144},{"word":"be","start":855.565,"end":855.965,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0543195866048336},{"word":"just","start":855.965,"end":856.205,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08078692853450775},{"word":"kind","start":856.205,"end":856.365,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.07208962738513947},{"word":"of","start":856.365,"end":856.525,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06753402203321457},{"word":"a","start":856.525,"end":856.605,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06183934211730957},{"word":"bit","start":856.605,"end":856.84503,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05215407907962799},{"word":"neutral","start":856.84503,"end":857.34503,"confidence":0.84643555,"punctuated_word":"neutral,","sentiment":"neutral","sentiment_score":-0.054217323660850525},{"word":"just","start":857.485,"end":857.725,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04220413416624069},{"word":"kind","start":857.725,"end":857.885,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.04576785862445831},{"word":"of","start":857.885,"end":858.045,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05524083226919174},{"word":"wait","start":858.045,"end":858.205,"confidence":0.9902344,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.023933738470077515},{"word":"and","start":858.205,"end":858.445,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06216966733336449},{"word":"see","start":858.445,"end":858.685,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.031793013215065},{"word":"what","start":858.685,"end":858.925,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03356190025806427},{"word":"happens","start":858.925,"end":859.425,"confidence":0.73950195,"punctuated_word":"happens,","sentiment":"neutral","sentiment_score":-0.05955607444047928},{"word":"or","start":859.95996,"end":860.12,"confidence":0.9980469,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.08477449417114258},{"word":"do","start":860.12,"end":860.27997,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.08133763074874878},{"word":"you","start":860.27997,"end":860.51996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09568530321121216},{"word":"think","start":860.51996,"end":860.83997,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.11825749278068542},{"word":"you","start":860.83997,"end":861.0,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13815435767173767},{"word":"would","start":861.0,"end":861.24,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.12621143460273743},{"word":"want","start":861.24,"end":861.39996,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.14138807356357574},{"word":"to","start":861.39996,"end":861.56,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19453345239162445},{"word":"sell","start":861.56,"end":861.8,"confidence":1.0,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.23284371197223663},{"word":"out","start":861.8,"end":862.04,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.23083195090293884},{"word":"of","start":862.04,"end":862.2,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19611728191375732},{"word":"that","start":862.2,"end":862.44,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13733592629432678},{"word":"investment","start":862.44,"end":862.94,"confidence":0.9970703,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.12445205450057983},{"word":"and","start":863.56,"end":863.88,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1841264367103577},{"word":"move","start":863.88,"end":864.2,"confidence":0.99902344,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.11608000099658966},{"word":"through","start":864.2,"end":864.44,"confidence":0.87890625,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.10122431069612504},{"word":"something","start":864.44,"end":864.83997,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.09371574968099594},{"word":"a","start":864.83997,"end":864.92,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0840192511677742},{"word":"little","start":864.92,"end":865.16,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.07350008189678192},{"word":"bit","start":865.16,"end":865.39996,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.09230158478021622},{"word":"more","start":865.39996,"end":865.72,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.11713581532239914},{"word":"secure","start":865.72,"end":866.22,"confidence":0.7546387,"punctuated_word":"secure,","sentiment":"neutral","sentiment_score":-0.10774175822734831},{"word":"but","start":866.36,"end":866.6,"confidence":0.8232422,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.09188270568847656},{"word":"that","start":866.6,"end":866.76,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14877381920814514},{"word":"means","start":866.76,"end":867.0,"confidence":0.9970703,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.12495160102844238},{"word":"you're","start":867.0,"end":867.24,"confidence":0.8469238,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.11994707584381104},{"word":"also","start":867.24,"end":867.48,"confidence":0.9741211,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.14158912003040314},{"word":"then","start":867.48,"end":867.64,"confidence":0.93359375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1243523135781288},{"word":"kind","start":867.64,"end":867.8,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.1438794881105423},{"word":"of","start":867.8,"end":867.95996,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17525827884674072},{"word":"selling","start":867.95996,"end":868.27997,"confidence":0.99902344,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.18300145864486697},{"word":"when","start":868.27997,"end":868.44,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.1855573207139969},{"word":"the","start":868.44,"end":868.6,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1977192461490631},{"word":"prices","start":868.6,"end":869.0,"confidence":0.9980469,"punctuated_word":"prices","sentiment":"neutral","sentiment_score":-0.2196604460477829},{"word":"have","start":869.0,"end":869.24,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2280536592006683},{"word":"dropped","start":869.24,"end":869.74,"confidence":0.9802246,"punctuated_word":"dropped?","sentiment":"neutral","sentiment_score":-0.15426424145698547},{"word":"yes","start":873.655,"end":874.155,"confidence":0.93359375,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.22364822030067444},{"word":"yeah","start":879.655,"end":880.155,"confidence":0.99194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.19907566905021667},{"word":"mhmm","start":881.495,"end":881.995,"confidence":0.9968262,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.06050346791744232},{"word":"and","start":885.83,"end":886.07,"confidence":0.9614258,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06244563311338425},{"word":"it","start":886.07,"end":886.55,"confidence":0.96972656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07503066956996918},{"word":"and","start":886.55,"end":886.87,"confidence":0.5473633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08641178160905838},{"word":"it's","start":886.87,"end":887.11005,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.08774048089981079},{"word":"more","start":887.11005,"end":887.35004,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.11327435821294785},{"word":"talking","start":887.35004,"end":887.75,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.08945716917514801},{"word":"about","start":887.75,"end":888.07,"confidence":0.9875488,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":-0.10439132899045944},{"word":"like","start":888.07,"end":888.47003,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.13861417770385742},{"word":"market","start":888.47003,"end":888.79004,"confidence":0.99902344,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.12015342712402344},{"word":"trends","start":888.79004,"end":889.19,"confidence":0.7236328,"punctuated_word":"trends.","sentiment":"neutral","sentiment_score":-0.1436012238264084},{"word":"so","start":889.19,"end":889.43,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11874870210886002},{"word":"not","start":889.43,"end":889.67004,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.15396589040756226},{"word":"like","start":889.67004,"end":889.91003,"confidence":0.7800293,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.20089426636695865},{"word":"let's","start":889.91003,"end":890.15,"confidence":1.0,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.15445339679718018},{"word":"say","start":890.15,"end":890.47003,"confidence":0.95092773,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.21729090809822085},{"word":"one","start":890.47003,"end":890.79004,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.20118215680122375},{"word":"investment","start":890.79004,"end":891.29004,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.19572113454341888},{"word":"that's","start":891.35004,"end":891.51,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.17558059096336365},{"word":"just","start":891.51,"end":892.01,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.21779252588748932},{"word":"gone","start":892.07,"end":892.39,"confidence":0.9941406,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.24573831260204315},{"word":"bad","start":892.39,"end":892.89,"confidence":0.81518555,"punctuated_word":"bad,","sentiment":"neutral","sentiment_score":-0.25060632824897766},{"word":"just","start":893.27,"end":893.59,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2492385655641556},{"word":"kind","start":893.59,"end":893.75,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.2212027758359909},{"word":"of","start":893.75,"end":893.91003,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.23878443241119385},{"word":"like","start":893.91003,"end":894.31,"confidence":0.6855469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.276713103055954},{"word":"market","start":894.31,"end":894.79004,"confidence":0.9873047,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.21158941090106964},{"word":"trends","start":894.79004,"end":895.11005,"confidence":0.88549805,"punctuated_word":"trends.","sentiment":"neutral","sentiment_score":-0.2138444483280182},{"word":"so","start":895.11005,"end":895.35004,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.12985959649086},{"word":"kind","start":895.35004,"end":895.59,"confidence":0.98095703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.13817724585533142},{"word":"of","start":895.59,"end":895.83,"confidence":0.7351074,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.14131218194961548},{"word":"obviously","start":895.83,"end":896.15,"confidence":0.9909668,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.13992908596992493},{"word":"going","start":896.15,"end":896.39,"confidence":0.9980469,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.15339840948581696},{"word":"back","start":896.39,"end":896.55,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.11075761169195177},{"word":"to","start":896.55,"end":896.71,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13799095153808594},{"word":"covid","start":896.71,"end":897.21,"confidence":0.9601237,"punctuated_word":"COVID,","sentiment":"neutral","sentiment_score":-0.14779779314994812},{"word":"we","start":897.27,"end":897.51,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12740227580070496},{"word":"saw","start":897.51,"end":897.75,"confidence":0.9902344,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.11497645080089568},{"word":"quite","start":897.75,"end":897.91003,"confidence":0.99609375,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.13343065977096558},{"word":"a","start":897.91003,"end":897.99,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14097145199775696},{"word":"bit","start":897.99,"end":898.15,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.10303659737110138},{"word":"of","start":898.15,"end":898.31,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13945122063159943},{"word":"fluctuations","start":898.31,"end":898.81,"confidence":0.9067383,"punctuated_word":"fluctuations.","sentiment":"neutral","sentiment_score":-0.14510953426361084},{"word":"last","start":899.885,"end":900.385,"confidence":0.83740234,"punctuated_word":"Last","sentiment":"neutral","sentiment_score":-0.1020260453224182},{"word":"twelve","start":900.485,"end":900.985,"confidence":0.99902344,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.12765741348266602},{"word":"months","start":901.085,"end":901.585,"confidence":0.9902344,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.09874933958053587},{"word":"hang","start":905.325,"end":905.565,"confidence":0.9482422,"punctuated_word":"hang","sentiment":"neutral","sentiment_score":-0.1866481900215149},{"word":"it","start":905.565,"end":905.725,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.19993802905082703},{"word":"up","start":905.725,"end":906.045,"confidence":0.75561523,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.1726965457201004},{"word":"okay","start":906.045,"end":906.52496,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.21071700751781464},{"word":"perfect","start":906.52496,"end":907.02496,"confidence":0.8432617,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3380386233329773},{"word":"yep","start":907.245,"end":907.745,"confidence":0.8220215,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19160109758377075},{"word":"now","start":909.485,"end":909.985,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.14407508075237274},{"word":"if","start":910.205,"end":910.365,"confidence":0.9921875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13425344228744507},{"word":"you","start":910.365,"end":910.52496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13020318746566772},{"word":"had","start":910.52496,"end":910.765,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.10140243172645567},{"word":"any","start":910.765,"end":911.165,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.11639033257961272},{"word":"investments","start":911.165,"end":911.665,"confidence":0.9248047,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.06346433609724045},{"word":"or","start":911.885,"end":912.285,"confidence":0.69628906,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08353197574615479},{"word":"superannuation","start":912.285,"end":912.785,"confidence":0.9868164,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.10505769401788712},{"word":"or","start":913.325,"end":913.485,"confidence":0.9921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09720730036497116},{"word":"anything","start":913.485,"end":913.96497,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.11808493733406068},{"word":"else","start":913.96497,"end":914.445,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.10569115728139876},{"word":"falling","start":914.445,"end":914.925,"confidence":0.38549805,"punctuated_word":"falling","sentiment":"neutral","sentiment_score":0.06399175524711609},{"word":"value","start":914.925,"end":915.425,"confidence":0.95092773,"punctuated_word":"value,","sentiment":"neutral","sentiment_score":0.09302856028079988},{"word":"how","start":917.75,"end":917.91,"confidence":0.97802734,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.14874064922332764},{"word":"would","start":917.91,"end":918.15,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.16328608989715576},{"word":"that","start":918.15,"end":918.39,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.149041086435318},{"word":"make","start":918.39,"end":918.71,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08394580334424973},{"word":"you","start":918.71,"end":919.03,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10190374404191972},{"word":"feel","start":919.03,"end":919.53,"confidence":0.99902344,"punctuated_word":"feel?","sentiment":"neutral","sentiment_score":0.10781824588775636},{"word":"would","start":919.75,"end":919.99,"confidence":1.0,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.05640780925750733},{"word":"you","start":919.99,"end":920.15,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11672899127006532},{"word":"say","start":920.15,"end":920.65,"confidence":0.96972656,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.06308729946613312},{"word":"optimistic","start":921.03,"end":921.53,"confidence":0.99316406,"punctuated_word":"optimistic","sentiment":"neutral","sentiment_score":0.06298930943012238},{"word":"about","start":922.07,"end":922.55,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.004095926880836487},{"word":"potential","start":922.55,"end":923.05,"confidence":1.0,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":0.11835098266601562},{"word":"future","start":923.19,"end":923.59,"confidence":1.0,"punctuated_word":"future","sentiment":"neutral","sentiment_score":0.10438625514507294},{"word":"investments","start":923.59,"end":924.09,"confidence":0.9135742,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":-0.026730354875326157},{"word":"a","start":925.27,"end":925.43,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1369713842868805},{"word":"bit","start":925.43,"end":925.91,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.17348700761795044},{"word":"cautious","start":925.91,"end":926.41,"confidence":0.8444824,"punctuated_word":"cautious,","sentiment":"neutral","sentiment_score":-0.15128648281097412},{"word":"not","start":926.95,"end":927.45,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2317087948322296},{"word":"making","start":927.59,"end":927.99,"confidence":0.99121094,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.25894325971603394},{"word":"further","start":927.99,"end":928.47,"confidence":1.0,"punctuated_word":"further","sentiment":"neutral","sentiment_score":-0.2472943812608719},{"word":"investments","start":928.47,"end":928.97,"confidence":0.92407227,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":-0.15642964839935303},{"word":"or","start":929.97504,"end":930.135,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1285850703716278},{"word":"would","start":930.135,"end":930.375,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.09314772486686708},{"word":"you","start":930.375,"end":930.455,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10310229659080504},{"word":"say","start":930.455,"end":930.695,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.1306336224079132},{"word":"that","start":930.695,"end":930.85504,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1882212460041046},{"word":"you'll","start":930.85504,"end":931.17505,"confidence":0.9797363,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":-0.21822063624858856},{"word":"be","start":931.17505,"end":931.255,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2437436729669571},{"word":"a","start":931.255,"end":931.335,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.22112339735031128},{"word":"bit","start":931.335,"end":931.49506,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.21739965677261353},{"word":"more","start":931.49506,"end":931.895,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.21264438331127167},{"word":"concerned","start":931.895,"end":932.375,"confidence":1.0,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":-0.15897084772586825},{"word":"or","start":932.375,"end":932.61505,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2694157361984253},{"word":"anxious","start":932.61505,"end":933.11505,"confidence":0.99316406,"punctuated_word":"anxious?","sentiment":"neutral","sentiment_score":-0.08451388776302338},{"word":"a","start":939.49506,"end":939.575,"confidence":0.80566406,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.10073137283325195},{"word":"little","start":939.575,"end":939.815,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0985902026295662},{"word":"bit","start":939.815,"end":939.97504,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.10226473957300186},{"word":"cautious","start":939.97504,"end":940.47504,"confidence":0.9025879,"punctuated_word":"cautious.","sentiment":"neutral","sentiment_score":-0.1217557042837143},{"word":"yep","start":940.61505,"end":941.11505,"confidence":0.99902344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.002689032582566142},{"word":"yeah","start":946.23,"end":946.73,"confidence":0.89941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08360864222049713},{"word":"yes","start":950.63,"end":951.13,"confidence":0.99194336,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.002582017332315445},{"word":"sorry","start":951.51,"end":952.01,"confidence":0.9223633,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.07271256297826767},{"word":"exactly","start":956.165,"end":956.665,"confidence":0.9975586,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.08062353730201721},{"word":"exactly","start":958.40497,"end":958.90497,"confidence":0.9416504,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.1492484211921692},{"word":"which","start":960.165,"end":960.485,"confidence":0.83935547,"punctuated_word":"Which","sentiment":"neutral","sentiment_score":0.10730479657649994},{"word":"also","start":960.485,"end":960.805,"confidence":0.99609375,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07116426527500153},{"word":"plays","start":960.805,"end":960.965,"confidence":0.96533203,"punctuated_word":"plays","sentiment":"neutral","sentiment_score":0.07327963411808014},{"word":"yeah","start":961.125,"end":961.285,"confidence":0.9904785,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.11520279943943024},{"word":"it","start":961.285,"end":961.445,"confidence":0.9980469,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.12150917202234268},{"word":"plays","start":961.445,"end":961.685,"confidence":0.9980469,"punctuated_word":"plays","sentiment":"neutral","sentiment_score":0.0928143560886383},{"word":"a","start":961.685,"end":961.845,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14460325241088867},{"word":"big","start":961.845,"end":962.245,"confidence":0.6098633,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.1963716447353363},{"word":"a","start":962.645,"end":962.805,"confidence":0.9003906,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15930183231830597},{"word":"part","start":962.805,"end":963.045,"confidence":0.96777344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.14947980642318726},{"word":"role","start":963.045,"end":963.285,"confidence":0.9970703,"punctuated_word":"role.","sentiment":"neutral","sentiment_score":0.1320037692785263},{"word":"so","start":963.285,"end":963.445,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10606715828180312},{"word":"when","start":963.445,"end":963.685,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.15340474247932434},{"word":"we","start":963.685,"end":963.845,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12285955250263214},{"word":"do","start":963.845,"end":964.005,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1268039345741272},{"word":"assess","start":964.005,"end":964.40497,"confidence":0.9433594,"punctuated_word":"assess,","sentiment":"neutral","sentiment_score":0.1139359325170517},{"word":"obviously","start":964.40497,"end":964.805,"confidence":0.9946289,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.07394877076148987},{"word":"risk","start":964.805,"end":965.125,"confidence":0.9350586,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.001784004271030426},{"word":"profile","start":965.125,"end":965.625,"confidence":0.9909668,"punctuated_word":"profile,","sentiment":"neutral","sentiment_score":0.03546033427119255},{"word":"it's","start":965.685,"end":966.185,"confidence":0.96362305,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03916634619235992},{"word":"it's","start":966.72,"end":967.19995,"confidence":0.9921875,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.010080693289637566},{"word":"time","start":967.19995,"end":967.69995,"confidence":0.83203125,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.0225842222571373},{"word":"is","start":967.76,"end":968.0,"confidence":0.65283203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03806450217962265},{"word":"one","start":968.0,"end":968.16,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04867970198392868},{"word":"of","start":968.16,"end":968.32,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.052854783833026886},{"word":"the","start":968.32,"end":968.39996,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04529532790184021},{"word":"big","start":968.39996,"end":968.63995,"confidence":1.0,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.0507483184337616},{"word":"things","start":968.63995,"end":968.95996,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.06088075786828995},{"word":"that","start":968.95996,"end":969.12,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.058923326432704926},{"word":"we","start":969.12,"end":969.36,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.054892756044864655},{"word":"consider","start":969.36,"end":969.86,"confidence":0.92407227,"punctuated_word":"consider,","sentiment":"neutral","sentiment_score":0.03674840182065964},{"word":"but","start":970.32,"end":970.63995,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.051209963858127594},{"word":"also","start":970.63995,"end":971.12,"confidence":0.83935547,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.02498779445886612},{"word":"how","start":971.12,"end":971.36,"confidence":0.98291016,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0009802058339118958},{"word":"you","start":971.36,"end":971.51996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034634433686733246},{"word":"feel","start":971.51996,"end":971.83997,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.020135797560214996},{"word":"about","start":971.83997,"end":972.07996,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.02708808332681656},{"word":"certain","start":972.07996,"end":972.48,"confidence":0.99609375,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.016262710094451904},{"word":"situations","start":972.48,"end":972.98,"confidence":0.8671875,"punctuated_word":"situations.","sentiment":"neutral","sentiment_score":0.02351009100675583},{"word":"because","start":973.19995,"end":973.69995,"confidence":0.99316406,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.06553515046834946},{"word":"i","start":973.76,"end":973.92,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10283128917217256},{"word":"have","start":973.92,"end":974.07996,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13372862339019775},{"word":"some","start":974.07996,"end":974.32,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09665323793888092},{"word":"clients","start":974.32,"end":974.63995,"confidence":0.984375,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.11773601174354552},{"word":"at","start":974.63995,"end":974.88,"confidence":0.62646484,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1083497554063797},{"word":"70","start":974.88,"end":975.36,"confidence":0.99902344,"punctuated_word":"70","sentiment":"neutral","sentiment_score":0.222497820854187},{"word":"that","start":975.36,"end":975.6,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07011112570762634},{"word":"goes","start":975.6,"end":976.0,"confidence":0.72558594,"punctuated_word":"goes,","sentiment":"neutral","sentiment_score":0.03364180773496628},{"word":"not","start":976.0,"end":976.24,"confidence":0.9326172,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0928029641509056},{"word":"put","start":976.24,"end":976.39996,"confidence":0.9770508,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.19276119768619537},{"word":"me","start":976.39996,"end":976.63995,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.12428508698940276},{"word":"in","start":976.63995,"end":976.72,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.21712848544120789},{"word":"high","start":976.72,"end":976.95996,"confidence":0.9951172,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.16057315468788147},{"word":"risk","start":976.95996,"end":977.36,"confidence":0.9802246,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":-0.06796222925186157},{"word":"i'm","start":977.36,"end":977.68,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6480252742767334},{"word":"happy","start":977.68,"end":978.16,"confidence":0.99658203,"punctuated_word":"happy.","sentiment":"positive","sentiment_score":0.5771918296813965},{"word":"i","start":978.16,"end":978.39996,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3796202838420868},{"word":"understand","start":978.39996,"end":978.89996,"confidence":1.0,"punctuated_word":"understand","sentiment":"positive","sentiment_score":0.3675991892814636},{"word":"it","start":978.95996,"end":979.45996,"confidence":0.99658203,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.31033849716186523},{"word":"often","start":980.515,"end":980.91504,"confidence":0.859375,"punctuated_word":"Often,","sentiment":"neutral","sentiment_score":0.09017571061849594},{"word":"you","start":980.91504,"end":981.155,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.048251986503601074},{"word":"see","start":981.155,"end":981.47504,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.041747577488422394},{"word":"the","start":981.47504,"end":981.635,"confidence":0.78222656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02254892885684967},{"word":"older","start":981.635,"end":981.955,"confidence":1.0,"punctuated_word":"older","sentiment":"neutral","sentiment_score":-0.005687206983566284},{"word":"you","start":981.955,"end":982.195,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008723244071006775},{"word":"get","start":982.195,"end":982.355,"confidence":0.98535156,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":0.021968696266412735},{"word":"the","start":982.355,"end":982.59503,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05199383944272995},{"word":"more","start":982.59503,"end":982.995,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.011315792798995972},{"word":"defensive","start":982.995,"end":983.495,"confidence":1.0,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.1023852750658989},{"word":"you","start":983.555,"end":983.795,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00010247528553009032},{"word":"become","start":983.795,"end":984.115,"confidence":0.99902344,"punctuated_word":"become","sentiment":"neutral","sentiment_score":0.04317304491996765},{"word":"because","start":984.115,"end":984.435,"confidence":0.74780273,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.012225423008203506},{"word":"like","start":984.435,"end":984.675,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.03981330990791321},{"word":"you","start":984.675,"end":984.835,"confidence":0.5541992,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03440093994140625},{"word":"touched","start":984.835,"end":985.155,"confidence":0.98828125,"punctuated_word":"touched","sentiment":"neutral","sentiment_score":0.03210914880037308},{"word":"on","start":985.155,"end":985.395,"confidence":0.9970703,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.005599226802587509},{"word":"you","start":985.395,"end":985.555,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03416523337364197},{"word":"don't","start":985.555,"end":985.795,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.02842891775071621},{"word":"have","start":985.795,"end":986.03503,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.12939178943634033},{"word":"as","start":986.03503,"end":986.275,"confidence":0.7060547,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06641428172588348},{"word":"much","start":986.275,"end":986.515,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.05174773186445236},{"word":"time","start":986.515,"end":987.015,"confidence":0.99194336,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.0805869922041893},{"word":"so","start":987.235,"end":987.395,"confidence":0.56884766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0171908400952816},{"word":"then","start":987.395,"end":987.635,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05263563618063927},{"word":"at","start":987.635,"end":987.795,"confidence":0.96777344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.028913337737321857},{"word":"the","start":987.795,"end":987.875,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04384978860616684},{"word":"same","start":987.875,"end":988.115,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.05100693181157112},{"word":"time","start":988.115,"end":988.435,"confidence":0.9951172,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.06116713210940361},{"word":"i","start":988.435,"end":988.59503,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04977695643901825},{"word":"have","start":988.59503,"end":988.91504,"confidence":0.9277344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07152896374464035},{"word":"some","start":988.91504,"end":989.155,"confidence":0.99316406,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.04727587103843689},{"word":"20","start":989.155,"end":989.395,"confidence":1.0,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.07145354896783829},{"word":"year","start":989.395,"end":989.635,"confidence":0.9951172,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.05647286772727966},{"word":"olds","start":989.635,"end":989.875,"confidence":0.90478516,"punctuated_word":"olds","sentiment":"neutral","sentiment_score":0.04123765975236893},{"word":"that","start":989.875,"end":990.115,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.045465655624866486},{"word":"go","start":990.115,"end":990.435,"confidence":0.9914551,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.04129187762737274},{"word":"oh","start":990.435,"end":990.59503,"confidence":0.986084,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.0529383048415184},{"word":"no","start":990.59503,"end":990.755,"confidence":0.9885254,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":0.009387344121932983},{"word":"i","start":990.755,"end":990.835,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.007916741073131561},{"word":"don't","start":990.835,"end":991.075,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.014984428882598875},{"word":"wanna","start":991.075,"end":991.395,"confidence":0.99121094,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.03298095241189003},{"word":"see","start":991.395,"end":991.555,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.02718174457550049},{"word":"any","start":991.555,"end":991.795,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.010107249021530151},{"word":"fluctuations","start":991.795,"end":992.275,"confidence":0.7108154,"punctuated_word":"fluctuations,","sentiment":"neutral","sentiment_score":0.015862740576267242},{"word":"and","start":992.275,"end":992.435,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.005578689277172089},{"word":"they're","start":992.435,"end":992.59503,"confidence":0.99609375,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.04305388778448105},{"word":"super","start":992.59503,"end":992.995,"confidence":0.9970703,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.0921376645565033},{"word":"defensive","start":992.995,"end":993.495,"confidence":0.99853516,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":-0.001488231122493744},{"word":"so","start":993.89996,"end":994.13995,"confidence":0.54248047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05172308534383774},{"word":"time","start":994.13995,"end":994.45996,"confidence":0.99609375,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.15580439567565918},{"word":"does","start":994.45996,"end":994.77997,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.14075756072998047},{"word":"play","start":994.77997,"end":994.94,"confidence":1.0,"punctuated_word":"play","sentiment":"neutral","sentiment_score":0.10990330576896667},{"word":"a","start":994.94,"end":995.01996,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14618125557899475},{"word":"big","start":995.01996,"end":995.25995,"confidence":1.0,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.17499849200248718},{"word":"role","start":995.25995,"end":995.5,"confidence":0.9580078,"punctuated_word":"role,","sentiment":"neutral","sentiment_score":0.11316552758216858},{"word":"but","start":995.5,"end":995.74,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07436060160398483},{"word":"then","start":995.74,"end":995.89996,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04108990728855133},{"word":"also","start":995.89996,"end":996.39996,"confidence":0.85839844,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.029286488890647888},{"word":"how","start":996.69995,"end":997.1,"confidence":0.9453125,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.028481196612119675},{"word":"you","start":997.1,"end":997.6,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0314754880964756},{"word":"would","start":997.66,"end":997.98,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0299295037984848},{"word":"feel","start":997.98,"end":998.45996,"confidence":0.9951172,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.03920541703701019},{"word":"in","start":998.45996,"end":998.77997,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.00924256443977356},{"word":"a","start":998.77997,"end":998.94,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0478954091668129},{"word":"situation","start":998.94,"end":999.44,"confidence":1.0,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":0.04841820150613785},{"word":"kind","start":999.66,"end":999.81995,"confidence":0.95703125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.016199134290218353},{"word":"of","start":999.81995,"end":999.98,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.026312224566936493},{"word":"plays","start":999.98,"end":1000.3,"confidence":0.57470703,"punctuated_word":"plays","sentiment":"neutral","sentiment_score":-0.0006412342190742493},{"word":"in","start":1000.3,"end":1000.62,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02053120732307434},{"word":"as","start":1000.62,"end":1000.77997,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10539908707141876},{"word":"well","start":1000.77997,"end":1001.18,"confidence":0.83447266,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.13329210877418518},{"word":"if","start":1001.18,"end":1001.33997,"confidence":0.984375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15799960494041443},{"word":"that","start":1001.33997,"end":1001.57996,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1642809510231018},{"word":"makes","start":1001.57996,"end":1001.81995,"confidence":0.9248047,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.09983371198177338},{"word":"sense","start":1001.81995,"end":1002.31995,"confidence":0.9770508,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.07844138145446777},{"word":"yeah","start":1006.635,"end":1007.135,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.010457279160618782},{"word":"gradually","start":1011.27496,"end":1011.77496,"confidence":0.9552409,"punctuated_word":"Gradually.","sentiment":"neutral","sentiment_score":-0.008692187257111073},{"word":"and","start":1011.915,"end":1012.15497,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.05824679508805275},{"word":"that's","start":1012.15497,"end":1012.315,"confidence":0.99609375,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.05672626942396164},{"word":"yeah","start":1018.33,"end":1018.83,"confidence":0.94750977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04272720217704773},{"word":"so","start":1018.97003,"end":1019.21,"confidence":0.5209961,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.035293009132146835},{"word":"what","start":1019.21,"end":1019.45,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05291583761572838},{"word":"we","start":1019.45,"end":1019.69,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.029731348156929016},{"word":"can","start":1019.69,"end":1020.09,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.0433599129319191},{"word":"do","start":1020.09,"end":1020.59,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04887385293841362},{"word":"is","start":1020.81,"end":1021.31,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0676896870136261},{"word":"sorry","start":1021.69,"end":1021.93,"confidence":0.9667969,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.10048871487379074},{"word":"i","start":1021.93,"end":1022.01,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08891071379184723},{"word":"have","start":1022.01,"end":1022.17,"confidence":0.9301758,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0802706629037857},{"word":"one","start":1022.17,"end":1022.41,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.06441394984722137},{"word":"more","start":1022.41,"end":1022.57,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.08111991733312607},{"word":"question","start":1022.57,"end":1022.97003,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.09199194610118866},{"word":"first","start":1022.97003,"end":1023.29,"confidence":0.97143555,"punctuated_word":"first,","sentiment":"neutral","sentiment_score":-0.0641169622540474},{"word":"and","start":1023.29,"end":1023.53,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03667960688471794},{"word":"then","start":1023.53,"end":1023.69,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.026374775916337967},{"word":"i'll","start":1023.69,"end":1023.85,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.02570495568215847},{"word":"go","start":1023.85,"end":1024.09,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.0038942545652389526},{"word":"into","start":1024.09,"end":1024.59,"confidence":0.9838867,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.012039221823215485},{"word":"the","start":1024.89,"end":1025.13,"confidence":0.72265625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01630622148513794},{"word":"risk","start":1025.13,"end":1025.37,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.04643811658024788},{"word":"profile","start":1025.37,"end":1025.77,"confidence":0.9453125,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":-0.042252443730831146},{"word":"for","start":1025.77,"end":1026.01,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.028472378849983215},{"word":"you","start":1026.01,"end":1026.17,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.05912993103265762},{"word":"so","start":1026.17,"end":1026.41,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03252767026424408},{"word":"the","start":1026.41,"end":1026.57,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.020449776202440265},{"word":"last","start":1026.57,"end":1026.81,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.022663434967398643},{"word":"one","start":1026.81,"end":1026.97,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.02136969566345215},{"word":"here","start":1026.97,"end":1027.13,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.014916859567165376},{"word":"is","start":1027.13,"end":1027.29,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.022577114403247833},{"word":"just","start":1027.29,"end":1027.45,"confidence":0.9873047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.014319688081741331},{"word":"in","start":1027.45,"end":1027.53,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.017916908487677574},{"word":"regards","start":1027.53,"end":1027.93,"confidence":0.9980469,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.01791602000594139},{"word":"to","start":1027.93,"end":1028.01,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02216058224439621},{"word":"borrowing","start":1028.01,"end":1028.41,"confidence":0.99902344,"punctuated_word":"borrowing","sentiment":"neutral","sentiment_score":-0.05364933982491493},{"word":"money","start":1028.41,"end":1028.91,"confidence":0.99902344,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.036370500922203064},{"word":"so","start":1029.37,"end":1029.705,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03834725543856621},{"word":"would","start":1029.865,"end":1030.1849,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.04586836323142052},{"word":"you","start":1030.1849,"end":1030.345,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03391778841614723},{"word":"ever","start":1030.345,"end":1030.6649,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.022958651185035706},{"word":"consider","start":1030.6649,"end":1031.1649,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.0581393837928772},{"word":"taking","start":1031.225,"end":1031.5449,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.035123638808727264},{"word":"out","start":1031.5449,"end":1031.7849,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.05622372403740883},{"word":"a","start":1031.7849,"end":1031.945,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.049972131848335266},{"word":"loan","start":1031.945,"end":1032.445,"confidence":0.99902344,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.0670258030295372},{"word":"to","start":1032.585,"end":1032.825,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.038416873663663864},{"word":"invest","start":1032.825,"end":1033.325,"confidence":1.0,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":-0.0393499955534935},{"word":"in","start":1033.385,"end":1033.625,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.030996043235063553},{"word":"stocks","start":1033.625,"end":1033.945,"confidence":0.9980469,"punctuated_word":"stocks","sentiment":"neutral","sentiment_score":-0.014314796775579453},{"word":"or","start":1033.945,"end":1034.1849,"confidence":0.92578125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.036220792680978775},{"word":"funds","start":1034.1849,"end":1034.6849,"confidence":0.9980469,"punctuated_word":"funds?","sentiment":"neutral","sentiment_score":-0.040889617055654526},{"word":"no","start":1040.585,"end":1041.085,"confidence":0.77856445,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14107975363731384},{"word":"and","start":1041.225,"end":1041.705,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.10849467664957048},{"word":"with","start":1041.705,"end":1041.945,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.13341909646987915},{"word":"the","start":1041.945,"end":1042.105,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13838881254196167},{"word":"investment","start":1042.105,"end":1042.605,"confidence":0.8310547,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.14454351365566254},{"word":"no","start":1043.3301,"end":1043.73,"confidence":0.99853516,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.1079675704240799},{"word":"and","start":1043.73,"end":1043.97,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04396633058786392},{"word":"with","start":1043.97,"end":1044.13,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03885176032781601},{"word":"the","start":1044.13,"end":1044.29,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03219955414533615},{"word":"investment","start":1044.29,"end":1044.6901,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.02987060695886612},{"word":"property","start":1044.6901,"end":1045.09,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.005870044231414795},{"word":"that","start":1045.09,"end":1045.25,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.012281779199838638},{"word":"you","start":1045.25,"end":1045.3301,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012166466563940048},{"word":"have","start":1045.3301,"end":1045.65,"confidence":0.99853516,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.017330734059214592},{"word":"did","start":1045.65,"end":1045.81,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.030342962592840195},{"word":"you","start":1045.81,"end":1045.97,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.009633995592594148},{"word":"ever","start":1045.97,"end":1046.21,"confidence":0.99902344,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.001978237181901932},{"word":"take","start":1046.21,"end":1046.4501,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.02851637452840805},{"word":"out","start":1046.4501,"end":1046.6901,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.039806514978408813},{"word":"a","start":1046.6901,"end":1046.85,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03883432596921921},{"word":"loan","start":1046.85,"end":1047.3301,"confidence":1.0,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.04086030647158623},{"word":"for","start":1047.3301,"end":1047.49,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04314261302351952},{"word":"it","start":1047.49,"end":1047.99,"confidence":0.88427734,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.03590656816959381},{"word":"or","start":1048.29,"end":1048.61,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.028978528454899788},{"word":"did","start":1048.61,"end":1048.77,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.032409295439720154},{"word":"you","start":1048.77,"end":1049.25,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007582321763038635},{"word":"buy","start":1049.25,"end":1049.5701,"confidence":0.9970703,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.014766596257686617},{"word":"it","start":1049.5701,"end":1049.65,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.008662715554237366},{"word":"outright","start":1049.65,"end":1050.15,"confidence":0.99853516,"punctuated_word":"outright?","sentiment":"neutral","sentiment_score":-0.02099688351154327},{"word":"yep","start":1058.625,"end":1058.9451,"confidence":0.8088379,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0021376237273216248},{"word":"okay","start":1058.9451,"end":1059.4451,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.005903188139200211},{"word":"yeah","start":1060.865,"end":1061.265,"confidence":0.81811523,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05437081307172775},{"word":"okay","start":1061.265,"end":1061.5851,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.14122632145881653},{"word":"perfect","start":1061.5851,"end":1062.0851,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.06182843819260597},{"word":"now","start":1062.865,"end":1063.265,"confidence":0.88183594,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.12959271669387817},{"word":"peter","start":1063.265,"end":1063.5851,"confidence":0.9926758,"punctuated_word":"Peter,","sentiment":"neutral","sentiment_score":0.17667177319526672},{"word":"that","start":1063.5851,"end":1063.745,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20044222474098208},{"word":"tells","start":1063.745,"end":1064.0651,"confidence":1.0,"punctuated_word":"tells","sentiment":"neutral","sentiment_score":0.18500947952270508},{"word":"me","start":1064.0651,"end":1064.305,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.21685945987701416},{"word":"here","start":1064.305,"end":1064.545,"confidence":0.9970703,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.18341916799545288},{"word":"that","start":1064.545,"end":1064.7051,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1604551374912262},{"word":"you","start":1064.7051,"end":1064.9451,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.241768941283226},{"word":"have","start":1064.9451,"end":1065.265,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2588635981082916},{"word":"come","start":1065.265,"end":1065.665,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.2654295563697815},{"word":"out","start":1065.665,"end":1066.165,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.3301967978477478},{"word":"as","start":1066.7051,"end":1066.9451,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20560947060585025},{"word":"a","start":1066.9451,"end":1067.4451,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3004493713378906},{"word":"balanced","start":1067.5851,"end":1068.0851,"confidence":0.9980469,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":0.2887437343597412},{"word":"growth","start":1068.305,"end":1068.785,"confidence":0.99316406,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.3889808654785156},{"word":"investor","start":1068.785,"end":1069.285,"confidence":0.9123535,"punctuated_word":"investor.","sentiment":"neutral","sentiment_score":0.25214046239852905},{"word":"and","start":1070.81,"end":1070.89,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11918629705905914},{"word":"at","start":1070.89,"end":1071.21,"confidence":0.9453125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1516437530517578},{"word":"the","start":1071.21,"end":1071.37,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1897987276315689},{"word":"moment","start":1071.37,"end":1071.87,"confidence":0.99902344,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.15043523907661438},{"word":"we","start":1072.09,"end":1072.41,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11653905361890791},{"word":"have","start":1072.41,"end":1072.73,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1359255015850067},{"word":"you","start":1072.73,"end":1072.97,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0960921049118042},{"word":"in","start":1072.97,"end":1073.21,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08489959686994553},{"word":"a","start":1073.21,"end":1073.53,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09663798660039902},{"word":"growth","start":1073.53,"end":1074.03,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.08983629941940308},{"word":"portfolio","start":1074.17,"end":1074.67,"confidence":1.0,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.04127389192581177},{"word":"do","start":1075.61,"end":1075.85,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.026427004486322403},{"word":"you","start":1075.85,"end":1076.01,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05056583881378174},{"word":"know","start":1076.01,"end":1076.41,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.03276272490620613},{"word":"the","start":1076.41,"end":1076.65,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02156109549105167},{"word":"difference","start":1076.65,"end":1077.15,"confidence":0.99902344,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.022375423461198807},{"word":"between","start":1077.21,"end":1077.61,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.02451825886964798},{"word":"those","start":1077.61,"end":1077.93,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.047985196113586426},{"word":"two","start":1077.93,"end":1078.17,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.019944358617067337},{"word":"at","start":1078.17,"end":1078.41,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.004771549254655838},{"word":"all","start":1078.41,"end":1078.91,"confidence":1.0,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.0008528456091880798},{"word":"no","start":1081.61,"end":1082.11,"confidence":0.9472656,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.16609235107898712},{"word":"so","start":1082.5249,"end":1083.005,"confidence":0.97265625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11546579003334044},{"word":"in","start":1083.005,"end":1083.245,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.031485624611377716},{"word":"a","start":1083.245,"end":1083.4049,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015431273728609083},{"word":"growth","start":1083.4049,"end":1083.8049,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.03525987267494202},{"word":"portfolio","start":1083.8049,"end":1084.2849,"confidence":0.9946289,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":-0.0193081796169281},{"word":"which","start":1084.2849,"end":1084.5249,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0020520612597465515},{"word":"is","start":1084.5249,"end":1084.6849,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0019770413637161255},{"word":"how","start":1084.6849,"end":1084.845,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.005219019949436188},{"word":"you","start":1084.845,"end":1085.005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010204963386058807},{"word":"are","start":1085.005,"end":1085.245,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.006587598472833633},{"word":"currently","start":1085.245,"end":1085.725,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.018986672163009644},{"word":"invested","start":1085.725,"end":1086.225,"confidence":0.99658203,"punctuated_word":"invested,","sentiment":"neutral","sentiment_score":-0.006201997399330139},{"word":"it","start":1087.005,"end":1087.245,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03740403801202774},{"word":"is","start":1087.245,"end":1087.6449,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04687303304672241},{"word":"typically","start":1087.6449,"end":1088.125,"confidence":0.9970703,"punctuated_word":"typically","sentiment":"neutral","sentiment_score":-0.021309778094291687},{"word":"for","start":1088.125,"end":1088.365,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04622446000576019},{"word":"investors","start":1088.365,"end":1088.845,"confidence":1.0,"punctuated_word":"investors","sentiment":"neutral","sentiment_score":0.0031644701957702637},{"word":"who","start":1088.845,"end":1089.085,"confidence":0.99902344,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.009953558444976808},{"word":"are","start":1089.085,"end":1089.1649,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0655452162027359},{"word":"looking","start":1089.1649,"end":1089.485,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.04213400185108185},{"word":"at","start":1089.485,"end":1089.6449,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08448635786771774},{"word":"getting","start":1089.6449,"end":1089.965,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.0489484965801239},{"word":"as","start":1089.965,"end":1090.125,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07584528625011444},{"word":"much","start":1090.125,"end":1090.445,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.15227770805358887},{"word":"growth","start":1090.445,"end":1090.765,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.09068810939788818},{"word":"as","start":1090.765,"end":1090.9249,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.02417588233947754},{"word":"you","start":1090.9249,"end":1091.085,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05248105525970459},{"word":"possibly","start":1091.085,"end":1091.585,"confidence":0.99902344,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.05333694815635681},{"word":"can","start":1091.6449,"end":1092.0449,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10176430642604828},{"word":"out","start":1092.0449,"end":1092.205,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.136155366897583},{"word":"of","start":1092.205,"end":1092.365,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.034641414880752563},{"word":"your","start":1092.365,"end":1092.6849,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06531175971031189},{"word":"superannuation","start":1092.6849,"end":1093.1849,"confidence":0.98779297,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.002091428730636835},{"word":"while","start":1094.0449,"end":1094.2849,"confidence":0.96875,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.0017558783292770386},{"word":"you","start":1094.2849,"end":1094.445,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06288757175207138},{"word":"still","start":1094.445,"end":1094.765,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.03130946308374405},{"word":"have","start":1094.765,"end":1094.9249,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.012652650475502014},{"word":"plenty","start":1094.9249,"end":1095.4049,"confidence":1.0,"punctuated_word":"plenty","sentiment":"neutral","sentiment_score":-0.05320817977190018},{"word":"of","start":1095.4049,"end":1095.6449,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012754596769809725},{"word":"time","start":1095.6449,"end":1096.1449,"confidence":0.9770508,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.02145734801888466},{"word":"also","start":1096.83,"end":1097.15,"confidence":0.93066406,"punctuated_word":"Also,","sentiment":"neutral","sentiment_score":0.09197154641151428},{"word":"someone","start":1097.15,"end":1097.63,"confidence":1.0,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.07462239265441895},{"word":"who","start":1097.63,"end":1098.0299,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.06500332057476044},{"word":"is","start":1098.0299,"end":1098.5299,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0698060393333435},{"word":"you","start":1099.7899,"end":1099.95,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03948850929737091},{"word":"know","start":1099.95,"end":1100.27,"confidence":0.99365234,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.01889295130968094},{"word":"understand","start":1100.27,"end":1100.77,"confidence":0.9951172,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.027772091329097748},{"word":"that","start":1100.9099,"end":1101.23,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012013904750347136},{"word":"there","start":1101.23,"end":1101.39,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.003245905041694641},{"word":"will","start":1101.39,"end":1101.71,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.012607090175151823},{"word":"be","start":1101.71,"end":1102.11,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.02004509419202805},{"word":"some","start":1102.11,"end":1102.35,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.007150143384933472},{"word":"higher","start":1102.35,"end":1102.6699,"confidence":0.99609375,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.05389798432588577},{"word":"level","start":1102.6699,"end":1102.99,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.07439732551574707},{"word":"of","start":1102.99,"end":1103.23,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07940715551376343},{"word":"fluctuations","start":1103.23,"end":1103.73,"confidence":0.8457031,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":-0.008420675992965698},{"word":"in","start":1104.35,"end":1104.51,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0759727880358696},{"word":"order","start":1104.51,"end":1104.9099,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":-0.10735758394002914},{"word":"to","start":1104.9099,"end":1105.15,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0204610675573349},{"word":"achieve","start":1105.15,"end":1105.63,"confidence":1.0,"punctuated_word":"achieve","sentiment":"neutral","sentiment_score":0.00927981734275818},{"word":"that","start":1105.63,"end":1105.95,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.003681197762489319},{"word":"growth","start":1105.95,"end":1106.45,"confidence":0.99658203,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.05739586427807808},{"word":"now","start":1107.23,"end":1107.73,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07866109162569046},{"word":"when","start":1107.95,"end":1108.19,"confidence":0.99609375,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.13984616100788116},{"word":"it","start":1108.19,"end":1108.35,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14571990072727203},{"word":"comes","start":1108.35,"end":1108.6699,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.15062755346298218},{"word":"to","start":1108.6699,"end":1108.99,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1760111302137375},{"word":"how","start":1108.99,"end":1109.23,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1494976282119751},{"word":"the","start":1109.23,"end":1109.47,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1759086549282074},{"word":"money","start":1109.47,"end":1109.7899,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.17153193056583405},{"word":"is","start":1109.7899,"end":1110.11,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12941321730613708},{"word":"actually","start":1110.11,"end":1110.51,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.15109160542488098},{"word":"then","start":1110.51,"end":1110.99,"confidence":0.93847656,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14471718668937683},{"word":"invested","start":1110.99,"end":1111.49,"confidence":0.99902344,"punctuated_word":"invested,","sentiment":"neutral","sentiment_score":0.127113476395607},{"word":"we","start":1112.505,"end":1112.745,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14086104929447174},{"word":"see","start":1112.745,"end":1113.145,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.13027560710906982},{"word":"about","start":1113.145,"end":1113.645,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10808271169662476},{"word":"80","start":1113.705,"end":1114.605,"confidence":1.0,"punctuated_word":"80","sentiment":"neutral","sentiment_score":0.15305481851100922},{"word":"invested","start":1115.625,"end":1116.105,"confidence":0.99902344,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.11148683726787569},{"word":"in","start":1116.105,"end":1116.265,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16352440416812897},{"word":"what","start":1116.265,"end":1116.505,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1474529504776001},{"word":"we","start":1116.505,"end":1116.665,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.153915673494339},{"word":"call","start":1116.665,"end":1116.985,"confidence":0.9980469,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.14552350342273712},{"word":"your","start":1116.985,"end":1117.385,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1949712485074997},{"word":"growth","start":1117.385,"end":1117.885,"confidence":0.9838867,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.16237245500087738},{"word":"assets","start":1118.105,"end":1118.605,"confidence":0.9914551,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.18424507975578308},{"word":"now","start":1118.985,"end":1119.485,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.22588640451431272},{"word":"this","start":1119.545,"end":1119.9451,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2937457859516144},{"word":"is","start":1119.9451,"end":1120.185,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.23058532178401947},{"word":"a","start":1120.185,"end":1120.585,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27599042654037476},{"word":"combination","start":1120.585,"end":1121.085,"confidence":1.0,"punctuated_word":"combination","sentiment":"neutral","sentiment_score":0.3211977481842041},{"word":"of","start":1121.705,"end":1122.185,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24709683656692505},{"word":"australian","start":1122.185,"end":1122.685,"confidence":0.9980469,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.27321696281433105},{"word":"shares","start":1122.8251,"end":1123.3251,"confidence":0.9880371,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.215833842754364},{"word":"international","start":1124.105,"end":1124.605,"confidence":0.99902344,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.24489013850688937},{"word":"shares","start":1124.985,"end":1125.485,"confidence":0.9848633,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.24790728092193604},{"word":"and","start":1125.785,"end":1125.9451,"confidence":0.9580078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2477654665708542},{"word":"property","start":1125.9451,"end":1126.4451,"confidence":0.6430664,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.27529412508010864},{"word":"as","start":1126.585,"end":1126.745,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2622889280319214},{"word":"well","start":1126.745,"end":1127.245,"confidence":0.79418945,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.1871725916862488},{"word":"and","start":1127.64,"end":1127.8,"confidence":0.9472656,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3451603651046753},{"word":"that","start":1127.8,"end":1127.88,"confidence":0.9526367,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.49407845735549927},{"word":"is","start":1127.88,"end":1128.12,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.45728254318237305},{"word":"what's","start":1128.12,"end":1128.4401,"confidence":0.9980469,"punctuated_word":"what's","sentiment":"positive","sentiment_score":0.5707277655601501},{"word":"going","start":1128.4401,"end":1128.68,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.61429762840271},{"word":"to","start":1128.68,"end":1129.0,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5756531357765198},{"word":"maximize","start":1129.0,"end":1129.5,"confidence":0.9970703,"punctuated_word":"maximize","sentiment":"positive","sentiment_score":0.6923591494560242},{"word":"the","start":1129.56,"end":1129.8,"confidence":0.6303711,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7082417011260986},{"word":"growth","start":1129.8,"end":1130.3,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.6880018711090088},{"word":"for","start":1130.4401,"end":1130.68,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6364119052886963},{"word":"you","start":1130.68,"end":1131.18,"confidence":0.967041,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4737590551376343},{"word":"and","start":1131.8,"end":1132.04,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.20220860838890076},{"word":"then","start":1132.04,"end":1132.2001,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16046176850795746},{"word":"we","start":1132.2001,"end":1132.4401,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16527730226516724},{"word":"have","start":1132.4401,"end":1132.76,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1833491027355194},{"word":"about","start":1132.76,"end":1133.26,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12850621342658997},{"word":"20%","start":1133.3201,"end":1134.3,"confidence":1.0,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.1866191178560257},{"word":"in","start":1134.36,"end":1134.68,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14074565470218658},{"word":"defensive","start":1134.68,"end":1135.18,"confidence":0.9050293,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":0.0827527716755867},{"word":"so","start":1135.9601,"end":1136.12,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13415026664733887},{"word":"that","start":1136.12,"end":1136.28,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18174052238464355},{"word":"would","start":1136.28,"end":1136.52,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1655367910861969},{"word":"be","start":1136.52,"end":1136.68,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.18465104699134827},{"word":"a","start":1136.68,"end":1136.84,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16075077652931213},{"word":"combination","start":1136.84,"end":1137.34,"confidence":1.0,"punctuated_word":"combination","sentiment":"neutral","sentiment_score":0.19682835042476657},{"word":"of","start":1137.56,"end":1137.8,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2111016809940338},{"word":"fixed","start":1137.8,"end":1138.2001,"confidence":1.0,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.16449007391929626},{"word":"interest","start":1138.2001,"end":1138.7001,"confidence":0.9941406,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":0.14408880472183228},{"word":"cash","start":1138.84,"end":1139.16,"confidence":0.9741211,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":0.17850236594676971},{"word":"and","start":1139.16,"end":1139.4,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11788391321897508},{"word":"gold","start":1139.4,"end":1139.9,"confidence":0.9980469,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.18810990452766416},{"word":"to","start":1140.04,"end":1140.2001,"confidence":0.7602539,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13216018676757812},{"word":"try","start":1140.2001,"end":1140.4401,"confidence":0.9350586,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.16331395506858826},{"word":"not","start":1140.4401,"end":1140.68,"confidence":0.69091797,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.06579770147800446},{"word":"limit","start":1140.68,"end":1141.0801,"confidence":0.8183594,"punctuated_word":"limit","sentiment":"neutral","sentiment_score":0.03260360658168793},{"word":"fluctuations","start":1141.0801,"end":1141.5801,"confidence":0.9970703,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.14796367287635803},{"word":"a","start":1142.04,"end":1142.28,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11160894483327866},{"word":"little","start":1142.28,"end":1142.52,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.054672643542289734},{"word":"bit","start":1142.52,"end":1142.985,"confidence":0.9995117,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.04790695384144783},{"word":"now","start":1144.025,"end":1144.525,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.030726395547389984},{"word":"the","start":1144.905,"end":1145.145,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.032290637493133545},{"word":"difference","start":1145.145,"end":1145.545,"confidence":0.99902344,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.016908720135688782},{"word":"then","start":1145.545,"end":1145.785,"confidence":0.984375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04348403215408325},{"word":"between","start":1145.785,"end":1146.025,"confidence":0.9980469,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.040162257850170135},{"word":"a","start":1146.025,"end":1146.1849,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04038912430405617},{"word":"balanced","start":1146.1849,"end":1146.6849,"confidence":0.5810547,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":0.029123030602931976},{"word":"growth","start":1146.745,"end":1147.225,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.09402044117450714},{"word":"is","start":1147.225,"end":1147.385,"confidence":0.98291016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.032983794808387756},{"word":"kind","start":1147.385,"end":1147.545,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04380081593990326},{"word":"of","start":1147.545,"end":1147.705,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04800263047218323},{"word":"on","start":1147.705,"end":1147.865,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04481287300586701},{"word":"the","start":1147.865,"end":1148.025,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030384406447410583},{"word":"scale","start":1148.025,"end":1148.345,"confidence":1.0,"punctuated_word":"scale","sentiment":"neutral","sentiment_score":0.04439748823642731},{"word":"that","start":1148.345,"end":1148.505,"confidence":0.43310547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.005971275269985199},{"word":"is","start":1148.505,"end":1148.905,"confidence":0.7729492,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.009440422058105469},{"word":"one","start":1148.905,"end":1149.3049,"confidence":0.9941406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.00048691779375076294},{"word":"step","start":1149.3049,"end":1149.8049,"confidence":1.0,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.02311953157186508},{"word":"down","start":1149.865,"end":1150.365,"confidence":0.75097656,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.011179618537425997},{"word":"so","start":1150.825,"end":1151.145,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.006905175745487213},{"word":"slightly","start":1151.145,"end":1151.645,"confidence":0.87597656,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":-0.008145496249198914},{"word":"more","start":1151.705,"end":1152.025,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.03921680897474289},{"word":"defensive","start":1152.025,"end":1152.525,"confidence":0.9975586,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":-0.012477755546569824},{"word":"now","start":1153.145,"end":1153.545,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08507397770881653},{"word":"a","start":1153.545,"end":1153.705,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17027229070663452},{"word":"balanced","start":1153.705,"end":1154.1849,"confidence":0.95166016,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":0.13898365199565887},{"word":"growth","start":1154.1849,"end":1154.505,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.24710394442081451},{"word":"is","start":1154.505,"end":1154.745,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12012050300836564},{"word":"typically","start":1154.745,"end":1155.145,"confidence":0.9980469,"punctuated_word":"typically","sentiment":"neutral","sentiment_score":0.18781495094299316},{"word":"for","start":1155.145,"end":1155.465,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17223569750785828},{"word":"investors","start":1155.465,"end":1155.945,"confidence":1.0,"punctuated_word":"investors","sentiment":"neutral","sentiment_score":0.14467203617095947},{"word":"who","start":1155.945,"end":1156.1849,"confidence":0.99902344,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.178156316280365},{"word":"are","start":1156.1849,"end":1156.265,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16161566972732544},{"word":"looking","start":1156.265,"end":1156.585,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1945771276950836},{"word":"at","start":1156.585,"end":1156.745,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2066870927810669},{"word":"getting","start":1156.745,"end":1157.225,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.21285679936408997},{"word":"some","start":1157.225,"end":1157.465,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.18065492808818817},{"word":"growth","start":1157.465,"end":1157.965,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.20857195556163788},{"word":"still","start":1157.97,"end":1158.37,"confidence":0.99609375,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.18394604325294495},{"word":"out","start":1158.37,"end":1158.45,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.28240853548049927},{"word":"of","start":1158.45,"end":1158.69,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2185736447572708},{"word":"your","start":1158.69,"end":1158.9299,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20296484231948853},{"word":"superannuation","start":1158.9299,"end":1159.4299,"confidence":0.9900716,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.20385713875293732},{"word":"while","start":1159.89,"end":1160.21,"confidence":0.9941406,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.1398736983537674},{"word":"you","start":1160.21,"end":1160.45,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1643541157245636},{"word":"are","start":1160.45,"end":1160.69,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.15553408861160278},{"word":"working","start":1160.69,"end":1161.19,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.19204705953598025},{"word":"and","start":1161.33,"end":1161.49,"confidence":0.7963867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1602114737033844},{"word":"you","start":1161.49,"end":1161.65,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19585196673870087},{"word":"are","start":1161.65,"end":1161.97,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.21737775206565857},{"word":"contributing","start":1161.97,"end":1162.47,"confidence":1.0,"punctuated_word":"contributing","sentiment":"neutral","sentiment_score":0.29096806049346924},{"word":"through","start":1162.53,"end":1162.77,"confidence":0.98095703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2737669348716736},{"word":"this","start":1162.77,"end":1163.01,"confidence":0.5205078,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.24920541048049927},{"word":"superannuation","start":1163.01,"end":1163.51,"confidence":0.9977214,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.22553138434886932},{"word":"from","start":1163.8099,"end":1163.97,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.18388214707374573},{"word":"your","start":1163.97,"end":1164.21,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1303749680519104},{"word":"employer","start":1164.21,"end":1164.71,"confidence":0.83740234,"punctuated_word":"employer,","sentiment":"neutral","sentiment_score":0.12650415301322937},{"word":"but","start":1165.33,"end":1165.57,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1264837384223938},{"word":"you","start":1165.57,"end":1165.73,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1527385413646698},{"word":"want","start":1165.73,"end":1166.13,"confidence":0.8798828,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.17064246535301208},{"word":"a","start":1166.13,"end":1166.21,"confidence":0.9160156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10396916419267654},{"word":"slightly","start":1166.21,"end":1166.71,"confidence":1.0,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":0.07905931770801544},{"word":"more","start":1166.85,"end":1167.25,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.01434849202632904},{"word":"conservative","start":1167.25,"end":1167.75,"confidence":1.0,"punctuated_word":"conservative","sentiment":"neutral","sentiment_score":0.09205444157123566},{"word":"element","start":1168.0499,"end":1168.5499,"confidence":0.90478516,"punctuated_word":"element","sentiment":"neutral","sentiment_score":0.13797679543495178},{"word":"to","start":1168.77,"end":1168.9299,"confidence":0.9760742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1236051470041275},{"word":"your","start":1168.9299,"end":1169.25,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09194190800189972},{"word":"portfolio","start":1169.25,"end":1169.75,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.029552802443504333},{"word":"in","start":1170.13,"end":1170.2899,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07081003487110138},{"word":"order","start":1170.2899,"end":1170.61,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.09574301540851592},{"word":"to","start":1170.61,"end":1170.77,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08551294356584549},{"word":"kinda","start":1170.77,"end":1171.1699,"confidence":0.9291992,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.1619972288608551},{"word":"limit","start":1171.1699,"end":1171.6699,"confidence":1.0,"punctuated_word":"limit","sentiment":"neutral","sentiment_score":0.10362176597118378},{"word":"fluctuations","start":1171.73,"end":1172.23,"confidence":0.9819336,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.007725775241851807},{"word":"a","start":1172.61,"end":1172.77,"confidence":0.9658203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.057438597083091736},{"word":"little","start":1172.77,"end":1173.09,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.006653383374214172},{"word":"bit","start":1173.09,"end":1173.525,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.025926634669303898},{"word":"because","start":1173.605,"end":1173.925,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.02030223608016968},{"word":"you","start":1173.925,"end":1174.005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0739160105586052},{"word":"don't","start":1174.005,"end":1174.245,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.03303556889295578},{"word":"have","start":1174.245,"end":1174.5651,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05518659949302673},{"word":"as","start":1174.5651,"end":1174.885,"confidence":0.9873047,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.029658213257789612},{"word":"much","start":1174.885,"end":1175.285,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.0328608900308609},{"word":"time","start":1175.285,"end":1175.785,"confidence":1.0,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.007176525890827179},{"word":"now","start":1176.725,"end":1177.225,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.09370461106300354},{"word":"when","start":1177.925,"end":1178.165,"confidence":0.99316406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1207282692193985},{"word":"it","start":1178.165,"end":1178.3251,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11317983269691469},{"word":"then","start":1178.3251,"end":1178.485,"confidence":0.9902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11318721622228622},{"word":"comes","start":1178.485,"end":1178.805,"confidence":0.99902344,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.0904502421617508},{"word":"to","start":1178.805,"end":1179.045,"confidence":0.6928711,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09149006009101868},{"word":"the","start":1179.045,"end":1179.2051,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07544450461864471},{"word":"money","start":1179.2051,"end":1179.525,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.1143999770283699},{"word":"being","start":1179.525,"end":1179.845,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.09296849370002748},{"word":"invested","start":1179.845,"end":1180.345,"confidence":0.9995117,"punctuated_word":"invested,","sentiment":"neutral","sentiment_score":0.07940202951431274},{"word":"it's","start":1180.405,"end":1180.645,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08137243986129761},{"word":"about","start":1180.645,"end":1180.965,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0715424194931984},{"word":"a","start":1180.965,"end":1181.125,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1128348857164383},{"word":"10%","start":1181.125,"end":1181.9451,"confidence":0.9995117,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.08057339489459991},{"word":"difference","start":1182.0851,"end":1182.5851,"confidence":0.9980469,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.07532170414924622},{"word":"from","start":1182.725,"end":1182.965,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.08673042058944702},{"word":"the","start":1182.965,"end":1183.2051,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07319236546754837},{"word":"growth","start":1183.2051,"end":1183.525,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.08526064455509186},{"word":"one","start":1183.525,"end":1183.845,"confidence":0.98291016,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.0640803650021553},{"word":"so","start":1183.845,"end":1184.0851,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14215266704559326},{"word":"you","start":1184.0851,"end":1184.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21592453122138977},{"word":"will","start":1184.245,"end":1184.485,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.20999020338058472},{"word":"have","start":1184.485,"end":1184.645,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22986175119876864},{"word":"about","start":1184.645,"end":1185.145,"confidence":0.9921875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1597137600183487},{"word":"70%","start":1185.2051,"end":1186.005,"confidence":0.9995117,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.25254565477371216},{"word":"in","start":1186.005,"end":1186.165,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2656414210796356},{"word":"growth","start":1186.165,"end":1186.65,"confidence":0.8798828,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.20243926346302032},{"word":"so","start":1186.97,"end":1187.37,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14743976294994354},{"word":"still","start":1187.37,"end":1187.6901,"confidence":0.9375,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.20556679368019104},{"word":"focusing","start":1187.6901,"end":1188.17,"confidence":1.0,"punctuated_word":"focusing","sentiment":"neutral","sentiment_score":0.2022789716720581},{"word":"on","start":1188.17,"end":1188.3301,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.28994786739349365},{"word":"growing","start":1188.3301,"end":1188.5701,"confidence":1.0,"punctuated_word":"growing","sentiment":"positive","sentiment_score":0.35152095556259155},{"word":"it","start":1188.5701,"end":1188.89,"confidence":0.98583984,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.2313678562641144},{"word":"but","start":1188.89,"end":1189.05,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.17103007435798645},{"word":"then","start":1189.05,"end":1189.2101,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1899387091398239},{"word":"you","start":1189.2101,"end":1189.29,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16845202445983887},{"word":"have","start":1189.29,"end":1189.61,"confidence":0.9604492,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19026842713356015},{"word":"about","start":1189.61,"end":1189.93,"confidence":0.9370117,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13284161686897278},{"word":"30","start":1189.93,"end":1190.43,"confidence":0.9970703,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.1639045923948288},{"word":"in","start":1190.5701,"end":1190.81,"confidence":0.95410156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1127629578113556},{"word":"defensive","start":1190.81,"end":1191.31,"confidence":0.74316406,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.08316202461719513},{"word":"to","start":1192.09,"end":1192.3301,"confidence":0.93408203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10467034578323364},{"word":"limit","start":1192.3301,"end":1192.81,"confidence":1.0,"punctuated_word":"limit","sentiment":"neutral","sentiment_score":0.11704906821250916},{"word":"fluctuations","start":1192.81,"end":1193.31,"confidence":0.9951172,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.12349677085876463},{"word":"a","start":1193.77,"end":1193.93,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1583734154701233},{"word":"little","start":1193.93,"end":1194.17,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.11506933718919754},{"word":"bit","start":1194.17,"end":1194.67,"confidence":1.0,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.11002112925052644},{"word":"does","start":1194.73,"end":1194.97,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.12548105418682098},{"word":"that","start":1194.97,"end":1195.2101,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18742996454238892},{"word":"make","start":1195.2101,"end":1195.4501,"confidence":0.9951172,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.13748548924922943},{"word":"sense","start":1195.4501,"end":1195.9501,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.10817191004753111},{"word":"yeah","start":1197.53,"end":1198.03,"confidence":0.8581543,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1595030128955841},{"word":"now","start":1198.41,"end":1198.91,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.162553071975708},{"word":"factoring","start":1199.125,"end":1199.445,"confidence":1.0,"punctuated_word":"factoring","sentiment":"neutral","sentiment_score":0.20342570543289185},{"word":"in","start":1199.445,"end":1199.845,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.164320707321167},{"word":"time","start":1199.845,"end":1200.1649,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.18962107598781583},{"word":"as","start":1200.1649,"end":1200.4049,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19644266366958615},{"word":"well","start":1200.4049,"end":1200.885,"confidence":0.9663086,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.18948400020599365},{"word":"a","start":1200.885,"end":1201.125,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18329501152038577},{"word":"balanced","start":1201.125,"end":1201.525,"confidence":0.9375,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":0.19620585441589355},{"word":"growth","start":1201.525,"end":1202.005,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2196357101202011},{"word":"portfolio","start":1202.005,"end":1202.505,"confidence":0.9875488,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.1699531525373459},{"word":"we","start":1203.205,"end":1203.445,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19794724881649017},{"word":"typically","start":1203.445,"end":1203.945,"confidence":0.9970703,"punctuated_word":"typically","sentiment":"neutral","sentiment_score":0.1746947020292282},{"word":"want","start":1204.005,"end":1204.245,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.1339551955461502},{"word":"to","start":1204.245,"end":1204.485,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14559784531593323},{"word":"see","start":1204.485,"end":1204.8049,"confidence":0.98535156,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.13580124080181122},{"word":"about","start":1204.8049,"end":1205.3049,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09423902630805968},{"word":"five","start":1205.365,"end":1205.6849,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.11163067817687988},{"word":"years","start":1205.6849,"end":1205.9249,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.10708216577768326},{"word":"until","start":1205.9249,"end":1206.325,"confidence":0.8989258,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.1347089409828186},{"word":"retirement","start":1206.325,"end":1206.825,"confidence":0.9375,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.13199304044246674},{"word":"making","start":1207.525,"end":1207.9249,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.1955714225769043},{"word":"sure","start":1207.9249,"end":1208.245,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.16802291572093964},{"word":"you","start":1208.245,"end":1208.325,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16264724731445312},{"word":"have","start":1208.325,"end":1208.565,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14146900177001953},{"word":"enough","start":1208.565,"end":1208.885,"confidence":1.0,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.1498720943927765},{"word":"time","start":1208.885,"end":1209.2849,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1832350194454193},{"word":"for","start":1209.2849,"end":1209.525,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1545286774635315},{"word":"the","start":1209.525,"end":1209.765,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1775107383728027},{"word":"market","start":1209.765,"end":1210.245,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.16334566473960876},{"word":"fluctuation","start":1210.245,"end":1210.745,"confidence":0.8494466,"punctuated_word":"fluctuation.","sentiment":"neutral","sentiment_score":0.17198142409324646},{"word":"whereas","start":1211.88,"end":1212.28,"confidence":0.9980469,"punctuated_word":"Whereas","sentiment":"neutral","sentiment_score":0.15912574529647827},{"word":"in","start":1212.28,"end":1212.4401,"confidence":0.9160156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17064617574214935},{"word":"a","start":1212.4401,"end":1212.6,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16416682302951813},{"word":"growth","start":1212.6,"end":1213.0,"confidence":0.99121094,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1617508828639984},{"word":"portfolio","start":1213.0,"end":1213.5,"confidence":0.99902344,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.14153620600700378},{"word":"we","start":1213.64,"end":1213.88,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1907128095626831},{"word":"want","start":1213.88,"end":1214.12,"confidence":0.9589844,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.1747380793094635},{"word":"at","start":1214.12,"end":1214.28,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11389970779418944},{"word":"least","start":1214.28,"end":1214.78,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.10276956856250764},{"word":"six","start":1214.84,"end":1215.34,"confidence":0.98828125,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.13463351130485535},{"word":"ideally","start":1215.4,"end":1215.9,"confidence":0.8852539,"punctuated_word":"ideally.","sentiment":"neutral","sentiment_score":0.1726350039243698},{"word":"so","start":1217.16,"end":1217.64,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12561838328838348},{"word":"from","start":1217.64,"end":1217.9601,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.08144316077232361},{"word":"that","start":1217.9601,"end":1218.4401,"confidence":0.99902344,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.07731962949037552},{"word":"do","start":1218.4401,"end":1218.68,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03825678676366806},{"word":"you","start":1218.68,"end":1218.84,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06370962411165237},{"word":"feel","start":1218.84,"end":1219.0801,"confidence":0.99316406,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.07179608196020126},{"word":"like","start":1219.0801,"end":1219.3201,"confidence":0.9716797,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10479450225830078},{"word":"there's","start":1219.3201,"end":1219.72,"confidence":0.9980469,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.1525414139032364},{"word":"one","start":1219.72,"end":1220.2001,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1573089212179184},{"word":"that","start":1220.2001,"end":1220.6,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1970061361789703},{"word":"you","start":1220.6,"end":1220.92,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12295721471309662},{"word":"align","start":1220.92,"end":1221.3201,"confidence":0.96972656,"punctuated_word":"align","sentiment":"neutral","sentiment_score":0.1863393485546112},{"word":"with","start":1221.3201,"end":1221.56,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18491500616073608},{"word":"a","start":1221.56,"end":1221.72,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1269528865814209},{"word":"little","start":1221.72,"end":1221.88,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07386872172355652},{"word":"bit","start":1221.88,"end":1222.12,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07786407321691513},{"word":"more","start":1222.12,"end":1222.62,"confidence":0.9970703,"punctuated_word":"more?","sentiment":"neutral","sentiment_score":0.03874145448207855},{"word":"yeah","start":1231.175,"end":1231.495,"confidence":0.9482422,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07869081199169159},{"word":"the","start":1231.495,"end":1231.655,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.10229180753231049},{"word":"balance","start":1231.655,"end":1232.135,"confidence":0.97265625,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.08314907550811768},{"word":"growth","start":1232.135,"end":1232.635,"confidence":0.7883301,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.14341187477111816},{"word":"yeah","start":1239.1101,"end":1239.3501,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2116033434867859},{"word":"because","start":1239.3501,"end":1239.5901,"confidence":0.9980469,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.2195994257926941},{"word":"what","start":1239.5901,"end":1239.8301,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2775666117668152},{"word":"i","start":1239.8301,"end":1240.0701,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.34644192457199097},{"word":"can","start":1240.0701,"end":1240.31,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3586805462837219},{"word":"do","start":1240.31,"end":1240.55,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.389418512582779},{"word":"for","start":1240.55,"end":1240.79,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4366207718849182},{"word":"you","start":1240.79,"end":1240.9501,"confidence":1.0,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.4213614463806152},{"word":"peter","start":1240.9501,"end":1241.3501,"confidence":0.982666,"punctuated_word":"Peter,","sentiment":"positive","sentiment_score":0.4009246826171875},{"word":"especially","start":1241.3501,"end":1241.75,"confidence":0.99902344,"punctuated_word":"especially","sentiment":"positive","sentiment_score":0.421476274728775},{"word":"as","start":1241.75,"end":1241.91,"confidence":0.98095703,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4152531623840332},{"word":"you","start":1241.91,"end":1242.0701,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.38640353083610535},{"word":"are","start":1242.0701,"end":1242.31,"confidence":1.0,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3873305022716522},{"word":"getting","start":1242.31,"end":1242.63,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.3254523277282715},{"word":"closer","start":1242.63,"end":1242.9501,"confidence":0.8330078,"punctuated_word":"closer,","sentiment":"neutral","sentiment_score":0.2861749827861786},{"word":"and","start":1242.9501,"end":1243.1101,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3725002408027649},{"word":"i","start":1243.1101,"end":1243.1901,"confidence":0.98828125,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4368634223937988},{"word":"think","start":1243.1901,"end":1243.3501,"confidence":1.0,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.42224010825157166},{"word":"what","start":1243.3501,"end":1243.51,"confidence":0.99902344,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4851867854595184},{"word":"you","start":1243.51,"end":1243.67,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5411956310272217},{"word":"were","start":1243.67,"end":1243.8301,"confidence":0.5498047,"punctuated_word":"were","sentiment":"positive","sentiment_score":0.35772499442100525},{"word":"telling","start":1243.8301,"end":1244.15,"confidence":1.0,"punctuated_word":"telling","sentiment":"positive","sentiment_score":0.3914561271667481},{"word":"me","start":1244.15,"end":1244.65,"confidence":0.82421875,"punctuated_word":"me,","sentiment":"positive","sentiment_score":0.39842689037323},{"word":"a","start":1245.1101,"end":1245.1901,"confidence":0.95166016,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4038766622543335},{"word":"balance","start":1245.1901,"end":1245.67,"confidence":0.9111328,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.3092772364616394},{"word":"growth","start":1245.67,"end":1246.17,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.4789314568042755},{"word":"is","start":1246.9501,"end":1247.3501,"confidence":0.99609375,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4347306489944458},{"word":"quite","start":1247.3501,"end":1247.67,"confidence":1.0,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.4931357204914093},{"word":"suitable","start":1247.67,"end":1248.17,"confidence":0.9350586,"punctuated_word":"suitable.","sentiment":"positive","sentiment_score":0.35763877630233765},{"word":"but","start":1248.8351,"end":1249.0751,"confidence":0.9680176,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.21947243809700012},{"word":"obviously","start":1249.0751,"end":1249.5751,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.17737992107868197},{"word":"before","start":1249.635,"end":1250.135,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.1947761029005051},{"word":"you","start":1250.435,"end":1250.755,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2078518271446228},{"word":"make","start":1250.755,"end":1251.0751,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.16739004850387573},{"word":"up","start":1251.0751,"end":1251.2351,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14558571577072144},{"word":"your","start":1251.2351,"end":1251.555,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1886988878250122},{"word":"mind","start":1251.555,"end":1252.055,"confidence":0.99560547,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":0.18191999197006223},{"word":"what","start":1252.3551,"end":1252.5951,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.19005292654037476},{"word":"i","start":1252.5951,"end":1252.675,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2427012324333191},{"word":"would","start":1252.675,"end":1253.0751,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.22312141954898831},{"word":"like","start":1253.0751,"end":1253.395,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2366304099559784},{"word":"to","start":1253.395,"end":1253.635,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24600297212600708},{"word":"do","start":1253.635,"end":1254.035,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21347111463546753},{"word":"is","start":1254.035,"end":1254.1951,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1847651898860931},{"word":"because","start":1254.3551,"end":1254.755,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.14799518883228302},{"word":"every","start":1254.755,"end":1254.9951,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.1873876452445984},{"word":"time","start":1254.9951,"end":1255.155,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.19495154917240143},{"word":"we","start":1255.155,"end":1255.3151,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1978851854801178},{"word":"do","start":1255.3151,"end":1255.555,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1591559648513794},{"word":"make","start":1255.555,"end":1255.7151,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1520565301179886},{"word":"a","start":1255.7151,"end":1255.875,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16524606943130493},{"word":"change","start":1255.875,"end":1256.375,"confidence":0.9680176,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":0.13278239965438843},{"word":"there","start":1257.0751,"end":1257.395,"confidence":0.9921875,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.22687382996082303},{"word":"there","start":1257.395,"end":1257.635,"confidence":0.98535156,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2184320092201233},{"word":"can","start":1257.635,"end":1257.875,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15236690640449524},{"word":"be","start":1257.875,"end":1258.035,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1261049509048462},{"word":"some","start":1258.035,"end":1258.1951,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.10990606248378754},{"word":"capital","start":1258.1951,"end":1258.675,"confidence":0.99902344,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.07321688532829285},{"word":"gains","start":1258.675,"end":1258.9951,"confidence":0.99609375,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.09587210416793825},{"word":"tax","start":1258.9951,"end":1259.2351,"confidence":0.88378906,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.17081256210803986},{"word":"which","start":1259.2351,"end":1259.4751,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.21951431035995483},{"word":"we","start":1259.4751,"end":1259.635,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2066318243741989},{"word":"wanna","start":1259.635,"end":1259.9551,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.27009057998657227},{"word":"minimize","start":1259.9551,"end":1260.4551,"confidence":0.78222656,"punctuated_word":"minimize,","sentiment":"neutral","sentiment_score":0.16826513409614563},{"word":"but","start":1260.675,"end":1260.915,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.20567575097084043},{"word":"then","start":1260.915,"end":1261.155,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.23968786001205444},{"word":"also","start":1261.155,"end":1261.655,"confidence":0.5390625,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1835550367832184},{"word":"you","start":1262.24,"end":1262.56,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23946183919906616},{"word":"wanna","start":1262.56,"end":1262.88,"confidence":0.96875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.24572302401065824},{"word":"look","start":1262.88,"end":1263.2001,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1529725193977356},{"word":"at","start":1263.2001,"end":1263.6,"confidence":0.9995117,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.17370294034481049},{"word":"you","start":1263.6,"end":1263.76,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1888386458158493},{"word":"know","start":1263.76,"end":1264.0801,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.21468232572078705},{"word":"total","start":1264.0801,"end":1264.48,"confidence":1.0,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.14928115904331207},{"word":"fees","start":1264.48,"end":1264.88,"confidence":0.9951172,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.14287057518959043},{"word":"and","start":1264.88,"end":1265.04,"confidence":0.9580078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22268542647361755},{"word":"also","start":1265.04,"end":1265.36,"confidence":0.94140625,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.22135773301124573},{"word":"the","start":1265.36,"end":1265.52,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22912165522575376},{"word":"performance","start":1265.52,"end":1266.02,"confidence":1.0,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.1725625991821289},{"word":"between","start":1266.16,"end":1266.4,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.2043701559305191},{"word":"the","start":1266.4,"end":1266.56,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19752900302410129},{"word":"two","start":1266.56,"end":1266.8,"confidence":0.7734375,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.18001529574394226},{"word":"portfolio","start":1266.8,"end":1267.3,"confidence":0.9873047,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.13630925118923187},{"word":"and","start":1267.36,"end":1267.52,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26988324522972107},{"word":"how","start":1267.52,"end":1267.76,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.2234797328710556},{"word":"that's","start":1267.76,"end":1268.0,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.24621641635894775},{"word":"going","start":1268.0,"end":1268.24,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2962988317012787},{"word":"to","start":1268.24,"end":1268.4,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2567153573036194},{"word":"change","start":1268.4,"end":1268.7201,"confidence":1.0,"punctuated_word":"change","sentiment":"positive","sentiment_score":0.3372926414012909},{"word":"things","start":1268.7201,"end":1269.12,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.29455578327178955},{"word":"for","start":1269.12,"end":1269.28,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.27941176295280457},{"word":"you","start":1269.28,"end":1269.78,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.20911100506782532},{"word":"so","start":1270.24,"end":1270.56,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1595061719417572},{"word":"what","start":1270.56,"end":1270.88,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1785583347082138},{"word":"i","start":1270.88,"end":1271.28,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.25793424248695374},{"word":"can","start":1271.28,"end":1271.6,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2818509042263031},{"word":"do","start":1271.6,"end":1272.1,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2896505892276764},{"word":"is","start":1272.3201,"end":1272.56,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2926422655582428},{"word":"that","start":1272.56,"end":1272.8,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.287740021944046},{"word":"i'm","start":1272.8,"end":1273.04,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.39954718947410583},{"word":"more","start":1273.04,"end":1273.2001,"confidence":0.99902344,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.488335520029068},{"word":"than","start":1273.2001,"end":1273.4401,"confidence":0.9980469,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.5056397914886475},{"word":"happy","start":1273.4401,"end":1273.8401,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.519751250743866},{"word":"to","start":1273.8401,"end":1274.0,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4846405386924744},{"word":"do","start":1274.0,"end":1274.5,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4274418354034424},{"word":"do","start":1274.56,"end":1274.8,"confidence":0.9951172,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4293432533740998},{"word":"some","start":1274.8,"end":1275.04,"confidence":0.9980469,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.4110718965530395},{"word":"research","start":1275.04,"end":1275.54,"confidence":0.99902344,"punctuated_word":"research","sentiment":"positive","sentiment_score":0.3625653982162475},{"word":"between","start":1275.6,"end":1276.0801,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.30818378925323486},{"word":"your","start":1276.0801,"end":1276.3201,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.28709879517555237},{"word":"current","start":1276.3201,"end":1276.64,"confidence":0.9951172,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.18985044956207275},{"word":"growth","start":1276.64,"end":1276.88,"confidence":0.98535156,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.19047822058200836},{"word":"portfolio","start":1276.88,"end":1277.38,"confidence":0.9980469,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.17028680443763733},{"word":"and","start":1277.52,"end":1277.68,"confidence":0.96777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28106480836868286},{"word":"a","start":1277.68,"end":1277.985,"confidence":0.7607422,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3189431130886078},{"word":"potential","start":1278.145,"end":1278.545,"confidence":0.9951172,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":0.278751403093338},{"word":"balance","start":1278.545,"end":1278.945,"confidence":0.60791016,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.21649031341075897},{"word":"growth","start":1278.945,"end":1279.265,"confidence":0.98535156,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.26772040128707886},{"word":"portfolio","start":1279.265,"end":1279.765,"confidence":0.9248047,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.23915345966815948},{"word":"especially","start":1280.705,"end":1281.025,"confidence":0.9980469,"punctuated_word":"especially","sentiment":"positive","sentiment_score":0.33610790967941284},{"word":"because","start":1281.025,"end":1281.265,"confidence":0.9604492,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.30882012844085693},{"word":"it's","start":1281.265,"end":1281.4249,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.37777549028396606},{"word":"been","start":1281.4249,"end":1281.585,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.30926334857940674},{"word":"a","start":1281.585,"end":1281.745,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31015533208847046},{"word":"little","start":1281.745,"end":1281.905,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.27042311429977417},{"word":"bit","start":1281.905,"end":1282.065,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2815621495246887},{"word":"of","start":1282.065,"end":1282.225,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24163973331451416},{"word":"time","start":1282.225,"end":1282.545,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.3097669780254364},{"word":"as","start":1282.545,"end":1282.705,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2876451015472412},{"word":"well","start":1282.705,"end":1283.205,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.3034330904483795},{"word":"with","start":1283.745,"end":1283.985,"confidence":0.75341797,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3683987855911255},{"word":"your","start":1283.985,"end":1284.3049,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3307229280471802},{"word":"investments","start":1284.3049,"end":1284.8049,"confidence":0.6958008,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.23596687614917755},{"word":"and","start":1284.865,"end":1285.105,"confidence":0.920166,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.2199437320232391},{"word":"obviously","start":1285.105,"end":1285.505,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.23083335161209104},{"word":"a","start":1285.505,"end":1285.585,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28094732761383057},{"word":"lot","start":1285.585,"end":1285.905,"confidence":0.94970703,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.21690765023231504},{"word":"has","start":1285.905,"end":1286.145,"confidence":0.99121094,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.20282086730003357},{"word":"happened","start":1286.145,"end":1286.545,"confidence":0.99902344,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":0.181038960814476},{"word":"in","start":1286.545,"end":1286.625,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20687904953956604},{"word":"the","start":1286.625,"end":1286.785,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16308794915676117},{"word":"market","start":1286.785,"end":1287.1849,"confidence":0.99902344,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.18874816596508023},{"word":"in","start":1287.1849,"end":1287.265,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15040099620819092},{"word":"the","start":1287.265,"end":1287.4249,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17872487008571625},{"word":"last","start":1287.4249,"end":1287.665,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.16339614987373352},{"word":"twelve","start":1287.665,"end":1287.985,"confidence":0.99902344,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.12882816791534424},{"word":"months","start":1287.985,"end":1288.485,"confidence":0.7487793,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.1690734326839447},{"word":"and","start":1288.785,"end":1288.945,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18452970683574677},{"word":"it","start":1288.945,"end":1289.105,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2936786413192749},{"word":"is","start":1289.105,"end":1289.345,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3243812322616577},{"word":"good","start":1289.345,"end":1289.585,"confidence":0.99902344,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3525591492652893},{"word":"to","start":1289.585,"end":1289.745,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.36531519889831543},{"word":"do","start":1289.745,"end":1289.905,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3079651892185211},{"word":"a","start":1289.905,"end":1289.985,"confidence":0.984375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.368402898311615},{"word":"bit","start":1289.985,"end":1290.145,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3598989248275757},{"word":"of","start":1290.145,"end":1290.385,"confidence":0.99609375,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3639436662197113},{"word":"a","start":1290.385,"end":1290.545,"confidence":0.97314453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2870311439037323},{"word":"bit","start":1290.545,"end":1290.785,"confidence":0.7128906,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.25188830494880676},{"word":"of","start":1290.785,"end":1290.945,"confidence":0.9819336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23701044917106628},{"word":"an","start":1290.945,"end":1291.105,"confidence":0.9404297,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.17991003394126892},{"word":"assessment","start":1291.105,"end":1291.5,"confidence":0.84228516,"punctuated_word":"assessment","sentiment":"neutral","sentiment_score":0.1401679515838623},{"word":"and","start":1291.58,"end":1291.82,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13419470191001892},{"word":"see","start":1291.82,"end":1291.98,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11097552627325058},{"word":"if","start":1291.98,"end":1292.14,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10282760858535768},{"word":"there's","start":1292.14,"end":1292.46,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.08522731065750122},{"word":"anyone","start":1292.46,"end":1292.86,"confidence":0.99902344,"punctuated_word":"anyone","sentiment":"neutral","sentiment_score":0.11011995375156404},{"word":"that","start":1292.86,"end":1293.1,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.00025443732738494873},{"word":"has","start":1293.1,"end":1293.34,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.06360126286745071},{"word":"underperformed","start":1293.34,"end":1293.84,"confidence":0.960083,"punctuated_word":"underperformed,","sentiment":"neutral","sentiment_score":0.008058503270149231},{"word":"if","start":1294.06,"end":1294.22,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03730858862400055},{"word":"we","start":1294.22,"end":1294.38,"confidence":0.8354492,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.030231401324272156},{"word":"wanna","start":1294.38,"end":1294.7,"confidence":0.99121094,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.042084626853466034},{"word":"change","start":1294.7,"end":1295.18,"confidence":0.9838867,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.06126905977725983},{"word":"anything","start":1295.18,"end":1295.68,"confidence":0.9995117,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":0.13707324862480164},{"word":"so","start":1296.38,"end":1296.78,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.27344268560409546},{"word":"i'm","start":1296.78,"end":1296.94,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4197811782360077},{"word":"more","start":1296.94,"end":1297.18,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.45802655816078186},{"word":"than","start":1297.18,"end":1297.34,"confidence":1.0,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.5339333415031433},{"word":"happy","start":1297.34,"end":1297.82,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6377085447311401},{"word":"to","start":1297.82,"end":1298.06,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5980203747749329},{"word":"put","start":1298.06,"end":1298.38,"confidence":1.0,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.5556230545043945},{"word":"together","start":1298.38,"end":1298.78,"confidence":1.0,"punctuated_word":"together","sentiment":"positive","sentiment_score":0.6220273375511169},{"word":"a","start":1298.78,"end":1299.02,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6178202033042908},{"word":"proposal","start":1299.02,"end":1299.52,"confidence":1.0,"punctuated_word":"proposal","sentiment":"positive","sentiment_score":0.6090401411056519},{"word":"for","start":1299.66,"end":1299.9,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.627280592918396},{"word":"you","start":1299.9,"end":1300.4,"confidence":0.9838867,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.5220577716827393},{"word":"run","start":1301.34,"end":1301.58,"confidence":1.0,"punctuated_word":"run","sentiment":"positive","sentiment_score":0.5852376222610474},{"word":"that","start":1301.58,"end":1301.9,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5529500246047974},{"word":"through","start":1301.9,"end":1302.22,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.6004396080970764},{"word":"with","start":1302.22,"end":1302.38,"confidence":0.9506836,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5882236957550049},{"word":"you","start":1302.38,"end":1302.88,"confidence":0.99365234,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.5229516625404358},{"word":"and","start":1303.1,"end":1303.26,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4461428821086883},{"word":"then","start":1303.26,"end":1303.5,"confidence":1.0,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.40715739130973816},{"word":"you","start":1303.5,"end":1303.66,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.39974525570869446},{"word":"can","start":1303.66,"end":1303.98,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4180330038070678},{"word":"see","start":1303.98,"end":1304.14,"confidence":1.0,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.34825730323791504},{"word":"what","start":1304.14,"end":1304.38,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3504903316497803},{"word":"it","start":1304.38,"end":1304.54,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.35116705298423767},{"word":"would","start":1304.54,"end":1304.78,"confidence":1.0,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.40406906604766846},{"word":"look","start":1304.78,"end":1305.02,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.3222726285457611},{"word":"like","start":1305.02,"end":1305.52,"confidence":1.0,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.33454376459121704},{"word":"if","start":1305.745,"end":1305.985,"confidence":1.0,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3867110013961792},{"word":"we","start":1305.985,"end":1306.065,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3663107752799988},{"word":"do","start":1306.065,"end":1306.3049,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.358694463968277},{"word":"move","start":1306.3049,"end":1306.705,"confidence":0.99902344,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.3076130151748657},{"word":"to","start":1306.705,"end":1306.865,"confidence":0.6542969,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3082260191440582},{"word":"a","start":1306.865,"end":1307.105,"confidence":0.9770508,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.37729412317276},{"word":"balance","start":1307.105,"end":1307.585,"confidence":0.6152344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.30458205938339233},{"word":"growth","start":1307.585,"end":1307.985,"confidence":0.96435547,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.4406264722347259},{"word":"to","start":1307.985,"end":1308.225,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35296645760536194},{"word":"reduce","start":1308.225,"end":1308.705,"confidence":1.0,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.2616300582885742},{"word":"risk","start":1308.705,"end":1309.0249,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.05775091052055359},{"word":"a","start":1309.0249,"end":1309.1849,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.46494215726852417},{"word":"little","start":1309.1849,"end":1309.4249,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.4400120675563812},{"word":"bit","start":1309.4249,"end":1309.9249,"confidence":0.9921875,"punctuated_word":"bit.","sentiment":"positive","sentiment_score":0.43784940242767334},{"word":"that","start":1310.945,"end":1311.1849,"confidence":0.64453125,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2691730856895447},{"word":"way","start":1311.1849,"end":1311.4249,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.366187185049057},{"word":"you","start":1311.4249,"end":1311.585,"confidence":0.5078125,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3874228596687317},{"word":"have","start":1311.585,"end":1311.9049,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.41476842761039734},{"word":"all","start":1311.9049,"end":1312.065,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3998656272888184},{"word":"the","start":1312.065,"end":1312.385,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.36822450160980225},{"word":"information","start":1312.385,"end":1312.885,"confidence":0.8688965,"punctuated_word":"information.","sentiment":"neutral","sentiment_score":0.3229525089263916},{"word":"and","start":1313.1849,"end":1313.4249,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2595747411251068},{"word":"then","start":1313.4249,"end":1313.745,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2511928677558899},{"word":"following","start":1313.745,"end":1314.225,"confidence":0.9892578,"punctuated_word":"following","sentiment":"neutral","sentiment_score":0.3238489329814911},{"word":"that","start":1314.225,"end":1314.385,"confidence":0.99121094,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.2774354815483093},{"word":"you","start":1314.385,"end":1314.5449,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3189433813095093},{"word":"can","start":1314.5449,"end":1314.865,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2993764281272888},{"word":"decide","start":1314.865,"end":1315.345,"confidence":1.0,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.24701577425003052},{"word":"if","start":1315.345,"end":1315.505,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.21711134910583496},{"word":"you","start":1315.505,"end":1315.6649,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2282126247882843},{"word":"would","start":1315.6649,"end":1315.9049,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2269676923751831},{"word":"like","start":1315.9049,"end":1316.145,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.20432895421981812},{"word":"to","start":1316.145,"end":1316.225,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2385834902524948},{"word":"go","start":1316.225,"end":1316.385,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2574130892753601},{"word":"ahead","start":1316.385,"end":1316.705,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.32199594378471375},{"word":"with","start":1316.705,"end":1316.865,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2416374385356903},{"word":"the","start":1316.865,"end":1317.0249,"confidence":0.9165039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2718792259693146},{"word":"change","start":1317.0249,"end":1317.5249,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.25342682003974915},{"word":"or","start":1317.95,"end":1318.11,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.18995550274848935},{"word":"if","start":1318.11,"end":1318.27,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.20551125705242157},{"word":"you","start":1318.27,"end":1318.35,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17042338848114014},{"word":"prefer","start":1318.35,"end":1318.83,"confidence":0.9902344,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.11466332525014876},{"word":"to","start":1318.83,"end":1318.91,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19050556421279907},{"word":"leave","start":1318.91,"end":1319.15,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.16165168583393097},{"word":"it","start":1319.15,"end":1319.39,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1818808764219284},{"word":"as","start":1319.39,"end":1319.55,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.28903159499168396},{"word":"is","start":1319.55,"end":1319.79,"confidence":0.8737793,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.2332513332366943},{"word":"but","start":1319.79,"end":1319.95,"confidence":0.97998047,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1535235047340393},{"word":"then","start":1319.95,"end":1320.11,"confidence":0.9760742,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13413803279399872},{"word":"at","start":1320.11,"end":1320.27,"confidence":0.8642578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1139313280582428},{"word":"least","start":1320.27,"end":1320.43,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.131171315908432},{"word":"you","start":1320.43,"end":1320.59,"confidence":0.9536133,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.182581290602684},{"word":"have","start":1320.59,"end":1320.83,"confidence":0.9448242,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1843707263469696},{"word":"a","start":1320.83,"end":1320.91,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13128870725631714},{"word":"little","start":1320.91,"end":1321.07,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.13355305790901184},{"word":"bit","start":1321.07,"end":1321.23,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12324988842010498},{"word":"more","start":1321.23,"end":1321.55,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.09737630188465118},{"word":"information","start":1321.55,"end":1322.05,"confidence":0.9995117,"punctuated_word":"information.","sentiment":"neutral","sentiment_score":0.1033465564250946},{"word":"would","start":1322.99,"end":1323.23,"confidence":0.9741211,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.15209616720676422},{"word":"that","start":1323.23,"end":1323.39,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15004412829875946},{"word":"be","start":1323.39,"end":1323.55,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17370568215847015},{"word":"helpful","start":1323.55,"end":1324.05,"confidence":1.0,"punctuated_word":"helpful?","sentiment":"neutral","sentiment_score":0.1371220201253891},{"word":"yeah","start":1325.39,"end":1325.87,"confidence":0.9304199,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.10845485329627992},{"word":"okay","start":1325.87,"end":1326.37,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.20944230258464813},{"word":"perfect","start":1326.51,"end":1327.01,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4534311890602112},{"word":"now","start":1328.91,"end":1329.15,"confidence":0.6845703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2583433985710144},{"word":"it","start":1329.15,"end":1329.39,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.25370556116104126},{"word":"will","start":1329.39,"end":1329.63,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.283652663230896},{"word":"take","start":1329.63,"end":1329.87,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.25015369057655334},{"word":"me","start":1329.87,"end":1330.19,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2227492183446884},{"word":"about","start":1330.19,"end":1330.59,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1993754655122757},{"word":"a","start":1330.59,"end":1330.83,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2035386264324188},{"word":"week","start":1330.83,"end":1331.33,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.2142152190208435},{"word":"to","start":1331.63,"end":1331.79,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2500830590724945},{"word":"put","start":1331.79,"end":1332.03,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.23932380974292755},{"word":"that","start":1332.03,"end":1332.35,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22423046827316284},{"word":"together","start":1332.35,"end":1332.85,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.28948089480400085},{"word":"for","start":1332.99,"end":1333.15,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.26375430822372437},{"word":"you","start":1333.15,"end":1333.65,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.21802988648414612},{"word":"do","start":1333.9451,"end":1334.185,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.105356365442276},{"word":"you","start":1334.185,"end":1334.665,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1095997765660286},{"word":"know","start":1334.665,"end":1334.905,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.09293264150619508},{"word":"what","start":1334.905,"end":1335.305,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12818574905395508},{"word":"your","start":1335.305,"end":1335.7051,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12482067197561264},{"word":"schedule","start":1335.7051,"end":1336.185,"confidence":1.0,"punctuated_word":"schedule","sentiment":"neutral","sentiment_score":0.11179926246404648},{"word":"is","start":1336.185,"end":1336.425,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08771972358226776},{"word":"like","start":1336.425,"end":1336.905,"confidence":0.9951172,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08771100640296936},{"word":"next","start":1336.905,"end":1337.225,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.09947863221168518},{"word":"week","start":1337.225,"end":1337.545,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.11344899982213974},{"word":"at","start":1337.545,"end":1337.7051,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10963233560323717},{"word":"all","start":1337.7051,"end":1338.2051,"confidence":1.0,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.09875330328941344},{"word":"yeah","start":1342.105,"end":1342.5851,"confidence":0.51867676,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.051498617976903915},{"word":"okay","start":1342.5851,"end":1343.0851,"confidence":0.9616699,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05980224162340164},{"word":"ah","start":1343.865,"end":1344.3451,"confidence":0.7114258,"punctuated_word":"Ah,","sentiment":"positive","sentiment_score":0.34978073835372925},{"word":"lovely","start":1344.3451,"end":1344.8451,"confidence":0.9975586,"punctuated_word":"lovely.","sentiment":"positive","sentiment_score":0.3424302339553833},{"word":"now","start":1346.745,"end":1346.985,"confidence":0.66308594,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.09103340655565262},{"word":"let","start":1346.985,"end":1347.145,"confidence":0.9980469,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.06843985617160797},{"word":"me","start":1347.145,"end":1347.305,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.07071565091609955},{"word":"have","start":1347.305,"end":1347.4651,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04970959201455116},{"word":"a","start":1347.4651,"end":1347.625,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0752371996641159},{"word":"look","start":1347.625,"end":1348.125,"confidence":0.9707031,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.07031692564487457},{"word":"now","start":1350.54,"end":1350.86,"confidence":0.9790039,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0769590362906456},{"word":"let","start":1350.86,"end":1351.02,"confidence":0.9970703,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.09245970845222472},{"word":"me","start":1351.02,"end":1351.18,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10033968836069108},{"word":"have","start":1351.18,"end":1351.34,"confidence":0.9902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08541861176490784},{"word":"do","start":1351.42,"end":1351.58,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06276650726795197},{"word":"you","start":1351.58,"end":1351.74,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0901627242565155},{"word":"normally","start":1351.74,"end":1352.14,"confidence":1.0,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.10515540838241576},{"word":"prefer","start":1352.14,"end":1352.54,"confidence":1.0,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.1030244305729866},{"word":"mornings","start":1352.54,"end":1352.9401,"confidence":0.98535156,"punctuated_word":"mornings","sentiment":"neutral","sentiment_score":0.11708012968301772},{"word":"or","start":1352.9401,"end":1353.18,"confidence":0.89208984,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10082195699214937},{"word":"afternoons","start":1353.18,"end":1353.68,"confidence":0.9868164,"punctuated_word":"afternoons","sentiment":"neutral","sentiment_score":0.13613411784172058},{"word":"or","start":1353.8201,"end":1354.06,"confidence":0.95166016,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09630125761032104},{"word":"around","start":1354.06,"end":1354.46,"confidence":0.99902344,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.10870975255966188},{"word":"kind","start":1354.46,"end":1354.62,"confidence":0.94384766,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1274348646402359},{"word":"of","start":1354.62,"end":1355.1,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12603046000003815},{"word":"lunchtime","start":1355.1,"end":1355.6,"confidence":0.9666341,"punctuated_word":"lunchtime?","sentiment":"neutral","sentiment_score":0.13447314500808716},{"word":"midmorning","start":1359.58,"end":1360.08,"confidence":0.7779948,"punctuated_word":"Midmorning?","sentiment":"neutral","sentiment_score":0.09961410611867905},{"word":"okay","start":1360.855,"end":1361.355,"confidence":0.7692871,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08017191290855408},{"word":"so","start":1361.735,"end":1362.235,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06873312592506409},{"word":"at","start":1362.455,"end":1362.695,"confidence":0.9350586,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07226605713367462},{"word":"the","start":1362.695,"end":1362.9349,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06522660702466965},{"word":"moment","start":1362.9349,"end":1363.4349,"confidence":0.9970703,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.07992327213287354},{"word":"i","start":1363.495,"end":1363.6549,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08733943849802017},{"word":"have","start":1363.6549,"end":1364.1549,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06670202314853668},{"word":"availability","start":1364.695,"end":1365.195,"confidence":0.98168945,"punctuated_word":"availability.","sentiment":"neutral","sentiment_score":0.049776241183280945},{"word":"so","start":1365.495,"end":1365.735,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03423108533024788},{"word":"on","start":1365.735,"end":1366.235,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.026169707998633385},{"word":"wednesday","start":1366.2949,"end":1366.7949,"confidence":0.8671875,"punctuated_word":"Wednesday,","sentiment":"neutral","sentiment_score":0.03536234423518181},{"word":"the","start":1367.015,"end":1367.335,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02769431471824646},{"word":"twenty","start":1367.335,"end":1367.835,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.03656512871384621},{"word":"second","start":1367.975,"end":1368.475,"confidence":0.9980469,"punctuated_word":"second,","sentiment":"neutral","sentiment_score":0.02502642199397087},{"word":"i","start":1369.495,"end":1369.735,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02034473419189453},{"word":"could","start":1369.735,"end":1370.235,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.019739748910069466},{"word":"do","start":1370.2949,"end":1370.7949,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.01306589413434267},{"word":"either","start":1372.375,"end":1372.7749,"confidence":0.9863281,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.02040146291255951},{"word":"at","start":1372.7749,"end":1373.2749,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.006966603919863701},{"word":"12pm","start":1373.4149,"end":1374.475,"confidence":0.9995117,"punctuated_word":"12PM","sentiment":"neutral","sentiment_score":0.02454918622970581},{"word":"or","start":1376.01,"end":1376.25,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.018926944583654404},{"word":"i","start":1376.25,"end":1376.41,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.019207650795578957},{"word":"could","start":1376.41,"end":1376.81,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.018718738108873367},{"word":"do","start":1376.81,"end":1377.31,"confidence":0.9902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.013865210115909576},{"word":"09:30","start":1377.6101,"end":1378.67,"confidence":0.9737549,"punctuated_word":"09:30.","sentiment":"neutral","sentiment_score":0.012932131998240948},{"word":"otherwise","start":1380.0901,"end":1380.5901,"confidence":0.9980469,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":0.014237888157367706},{"word":"thursday","start":1381.6101,"end":1382.1101,"confidence":0.9902344,"punctuated_word":"Thursday","sentiment":"neutral","sentiment_score":0.011950895190238953},{"word":"the","start":1382.17,"end":1382.3301,"confidence":0.51123047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011126391589641573},{"word":"twenty","start":1382.3301,"end":1382.65,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.016648229211568832},{"word":"third","start":1382.65,"end":1383.05,"confidence":0.98657227,"punctuated_word":"third,","sentiment":"neutral","sentiment_score":0.014061622321605682},{"word":"i","start":1383.05,"end":1383.2101,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.020236540585756305},{"word":"could","start":1383.2101,"end":1383.4501,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.01828046143054962},{"word":"do","start":1383.4501,"end":1383.6901,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.01040829997509718},{"word":"11am","start":1383.6901,"end":1384.5701,"confidence":0.9995117,"punctuated_word":"11AM","sentiment":"neutral","sentiment_score":0.02523556351661682},{"word":"again","start":1384.5701,"end":1385.0701,"confidence":0.99902344,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.015666930004954338},{"word":"09:30","start":1387.5449,"end":1388.2849,"confidence":0.99121094,"punctuated_word":"09:30?","sentiment":"neutral","sentiment_score":0.017710136249661446},{"word":"alright","start":1388.345,"end":1388.745,"confidence":1.0,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.25137123465538025},{"word":"perfect","start":1388.745,"end":1389.245,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.48435449600219727},{"word":"well","start":1389.3849,"end":1389.705,"confidence":0.9975586,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.17959633469581604},{"word":"i","start":1389.705,"end":1389.865,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17834272980690002},{"word":"will","start":1389.865,"end":1390.1849,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1506679356098175},{"word":"yeah","start":1392.4249,"end":1392.9249,"confidence":0.8864746,"punctuated_word":"yeah?","sentiment":"neutral","sentiment_score":0.11974027752876282},{"word":"09:30","start":1393.225,"end":1393.7849,"confidence":0.9995117,"punctuated_word":"09:30","sentiment":"neutral","sentiment_score":0.03852314502000809},{"word":"on","start":1393.7849,"end":1393.945,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.011456563137471676},{"word":"wednesday","start":1393.945,"end":1394.445,"confidence":0.98168945,"punctuated_word":"Wednesday?","sentiment":"neutral","sentiment_score":0.035981178283691406},{"word":"yep","start":1394.985,"end":1395.3049,"confidence":0.96728516,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12624093890190125},{"word":"okay","start":1395.3049,"end":1395.705,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.27639153599739075},{"word":"perfect","start":1395.705,"end":1396.205,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5655220746994019},{"word":"i","start":1396.825,"end":1397.065,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4051183760166168},{"word":"will","start":1397.065,"end":1397.565,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.42377230525016785},{"word":"book","start":1397.7849,"end":1398.105,"confidence":1.0,"punctuated_word":"book","sentiment":"positive","sentiment_score":0.4254797101020813},{"word":"that","start":1398.105,"end":1398.345,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4520148634910583},{"word":"in","start":1398.345,"end":1398.585,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4543848931789398},{"word":"for","start":1398.585,"end":1398.745,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4413204491138458},{"word":"you","start":1398.745,"end":1399.065,"confidence":0.99902344,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.4718690812587738},{"word":"peter","start":1399.065,"end":1399.465,"confidence":0.99365234,"punctuated_word":"Peter.","sentiment":"positive","sentiment_score":0.37408918142318726},{"word":"if","start":1399.465,"end":1399.705,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.13310661911964417},{"word":"anything","start":1399.705,"end":1400.1849,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.09737157076597214},{"word":"does","start":1400.1849,"end":1400.585,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.02649633586406708},{"word":"change","start":1400.585,"end":1400.985,"confidence":0.8791504,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":0.0448499396443367},{"word":"if","start":1400.985,"end":1401.225,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05021113529801369},{"word":"you","start":1401.225,"end":1401.725,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.021011918783187863},{"word":"change","start":1401.89,"end":1402.2101,"confidence":0.9892578,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.03697148710489273},{"word":"any","start":1402.2101,"end":1402.29,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.05120272934436798},{"word":"of","start":1402.29,"end":1402.4501,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01039092242717743},{"word":"your","start":1402.4501,"end":1402.6901,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0180831179022789},{"word":"plans","start":1402.6901,"end":1403.0901,"confidence":0.81933594,"punctuated_word":"plans","sentiment":"neutral","sentiment_score":0.022604167461395264},{"word":"and","start":1403.0901,"end":1403.3301,"confidence":0.94140625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013707220554351808},{"word":"you","start":1403.3301,"end":1403.4901,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004712440073490143},{"word":"can't","start":1403.4901,"end":1403.81,"confidence":1.0,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":0.021998271346092224},{"word":"make","start":1403.81,"end":1404.05,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.01831278949975967},{"word":"it","start":1404.05,"end":1404.55,"confidence":0.99658203,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.08914339542388916},{"word":"just","start":1405.0901,"end":1405.3301,"confidence":0.5263672,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10934142768383026},{"word":"let","start":1405.3301,"end":1405.5701,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.04082244634628296},{"word":"me","start":1405.5701,"end":1405.81,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.14772841334342957},{"word":"know","start":1405.81,"end":1406.31,"confidence":0.8876953,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1340852975845337},{"word":"and","start":1406.8501,"end":1407.17,"confidence":0.7216797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2030328065156937},{"word":"i","start":1407.17,"end":1407.41,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2268119752407074},{"word":"will","start":1407.41,"end":1407.91,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2440122365951538},{"word":"we","start":1408.6101,"end":1408.77,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.28621798753738403},{"word":"can","start":1408.77,"end":1409.01,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2500021457672119},{"word":"see","start":1409.01,"end":1409.0901,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1616475135087967},{"word":"if","start":1409.0901,"end":1409.25,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2176729440689087},{"word":"we","start":1409.25,"end":1409.3301,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23642106354236603},{"word":"can","start":1409.3301,"end":1409.4901,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.24170300364494324},{"word":"get","start":1409.4901,"end":1409.65,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15197303891181946},{"word":"that","start":1409.65,"end":1409.81,"confidence":0.61376953,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17580559849739075},{"word":"rescheduled","start":1409.81,"end":1410.31,"confidence":0.9983724,"punctuated_word":"rescheduled","sentiment":"neutral","sentiment_score":0.16998639702796936},{"word":"for","start":1410.4501,"end":1410.6101,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19928517937660217},{"word":"you","start":1410.6101,"end":1411.1101,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1664210557937622},{"word":"now","start":1413.81,"end":1414.13,"confidence":0.9550781,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.052905745804309845},{"word":"the","start":1414.13,"end":1414.29,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.046231478452682495},{"word":"last","start":1414.29,"end":1414.53,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.003578878939151764},{"word":"thing","start":1414.53,"end":1414.77,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.05610495060682297},{"word":"i","start":1414.77,"end":1414.93,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05039220303297043},{"word":"do","start":1414.93,"end":1415.17,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06609109044075012},{"word":"wanna","start":1415.17,"end":1415.41,"confidence":0.99902344,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.09230168163776398},{"word":"let","start":1415.41,"end":1415.65,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.092348113656044},{"word":"you","start":1415.65,"end":1415.81,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11665649712085724},{"word":"know","start":1415.81,"end":1416.13,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1630917191505432},{"word":"as","start":1416.13,"end":1416.29,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1088154911994934},{"word":"well","start":1416.29,"end":1416.6101,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.1120121330022812},{"word":"is","start":1416.6101,"end":1416.77,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07895262539386749},{"word":"that","start":1416.77,"end":1416.93,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07875023037195206},{"word":"i","start":1416.93,"end":1417.01,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08858263492584229},{"word":"have","start":1417.01,"end":1417.275,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06946756690740585},{"word":"sent","start":1417.275,"end":1417.515,"confidence":0.92578125,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.03481370955705643},{"word":"you","start":1417.515,"end":1417.675,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09222537279129028},{"word":"an","start":1417.675,"end":1417.755,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.03981702029705048},{"word":"email","start":1417.755,"end":1418.235,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.04576053470373154},{"word":"with","start":1418.235,"end":1418.555,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06315994262695312},{"word":"some","start":1418.555,"end":1418.875,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.02261977270245552},{"word":"documents","start":1418.875,"end":1419.375,"confidence":1.0,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.04283306002616882},{"word":"now","start":1419.435,"end":1419.675,"confidence":0.9482422,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":-0.0752701386809349},{"word":"obviously","start":1419.675,"end":1419.995,"confidence":0.99902344,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.1355568766593933},{"word":"as","start":1419.995,"end":1420.155,"confidence":0.9760742,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.2498098760843277},{"word":"you're","start":1420.155,"end":1420.475,"confidence":0.9157715,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.186795637011528},{"word":"driving","start":1420.475,"end":1420.975,"confidence":0.98168945,"punctuated_word":"driving,","sentiment":"neutral","sentiment_score":-0.19938266277313232},{"word":"please","start":1421.115,"end":1421.355,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":-0.3295564651489258},{"word":"don't","start":1421.355,"end":1421.595,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.25284653902053833},{"word":"get","start":1421.595,"end":1421.755,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.30200526118278503},{"word":"it","start":1421.755,"end":1421.8351,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.23897093534469604},{"word":"up","start":1421.8351,"end":1422.155,"confidence":0.98876953,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.2490016222000122},{"word":"it","start":1422.155,"end":1422.3151,"confidence":0.9980469,"punctuated_word":"It","sentiment":"negative","sentiment_score":-0.3853089213371277},{"word":"wouldn't","start":1422.3151,"end":1422.635,"confidence":0.9995117,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.3043975830078125},{"word":"be","start":1422.635,"end":1422.715,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.35161373019218445},{"word":"safe","start":1422.715,"end":1423.035,"confidence":0.99902344,"punctuated_word":"safe","sentiment":"neutral","sentiment_score":-0.3295000493526459},{"word":"to","start":1423.035,"end":1423.115,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2573727071285248},{"word":"do","start":1423.115,"end":1423.355,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.30036136507987976},{"word":"so","start":1423.355,"end":1423.8351,"confidence":0.7312012,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.20759454369544983},{"word":"so","start":1423.8351,"end":1424.3151,"confidence":0.9838867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.00855199247598648},{"word":"later","start":1424.3151,"end":1424.8151,"confidence":0.8935547,"punctuated_word":"later","sentiment":"neutral","sentiment_score":-0.02062719315290451},{"word":"when","start":1424.875,"end":1425.375,"confidence":0.5751953,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.06022914871573448},{"word":"you","start":1425.515,"end":1425.915,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08469594269990921},{"word":"are","start":1425.915,"end":1426.155,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0652431845664978},{"word":"not","start":1426.155,"end":1426.395,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09393902868032455},{"word":"driving","start":1426.395,"end":1426.715,"confidence":1.0,"punctuated_word":"driving","sentiment":"neutral","sentiment_score":-0.06643135845661163},{"word":"and","start":1426.715,"end":1426.9551,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04677038639783859},{"word":"when","start":1426.9551,"end":1427.115,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.026158876717090607},{"word":"you","start":1427.115,"end":1427.275,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.060698021203279495},{"word":"have","start":1427.275,"end":1427.435,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.016256868839263916},{"word":"a","start":1427.435,"end":1427.515,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04830997809767723},{"word":"bit","start":1427.515,"end":1427.675,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.011735185980796814},{"word":"of","start":1427.675,"end":1427.915,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.016568318009376526},{"word":"time","start":1427.915,"end":1428.415,"confidence":0.9641113,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.02271992713212967},{"word":"just","start":1429.115,"end":1429.355,"confidence":0.70751953,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0436038002371788},{"word":"have","start":1429.355,"end":1429.595,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02302531898021698},{"word":"a","start":1429.595,"end":1429.755,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03187422826886177},{"word":"look","start":1429.755,"end":1429.995,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03178008645772934},{"word":"through","start":1429.995,"end":1430.235,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.003924869000911713},{"word":"them","start":1430.235,"end":1430.475,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.007701843976974487},{"word":"and","start":1430.475,"end":1430.715,"confidence":0.7836914,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07050371915102005},{"word":"let","start":1430.715,"end":1430.875,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.0829194113612175},{"word":"me","start":1430.875,"end":1431.035,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12097381800413132},{"word":"know","start":1431.035,"end":1431.275,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.11119848489761353},{"word":"if","start":1431.275,"end":1431.515,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06982661038637161},{"word":"you","start":1431.515,"end":1431.595,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09465479105710985},{"word":"have","start":1431.595,"end":1431.8351,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05928637087345123},{"word":"any","start":1431.8351,"end":1432.155,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.038574665784835815},{"word":"questions","start":1432.155,"end":1432.655,"confidence":0.9272461,"punctuated_word":"questions.","sentiment":"neutral","sentiment_score":-0.0128212608397007},{"word":"but","start":1433.4299,"end":1433.75,"confidence":0.8208008,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.07768354564905167},{"word":"basically","start":1433.75,"end":1434.25,"confidence":1.0,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.1249239295721054},{"word":"what","start":1434.3899,"end":1434.5499,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1730281412601471},{"word":"i","start":1434.5499,"end":1434.7899,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.239256352186203},{"word":"have","start":1434.7899,"end":1435.2699,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.169885516166687},{"word":"sent","start":1435.2699,"end":1435.6699,"confidence":1.0,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.15384800732135773},{"word":"you","start":1435.6699,"end":1436.1699,"confidence":0.9819336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14746370911598206},{"word":"is","start":1436.3899,"end":1436.8899,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12161514908075333},{"word":"a","start":1437.2699,"end":1437.59,"confidence":0.74658203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16477203369140625},{"word":"summary","start":1437.59,"end":1438.09,"confidence":1.0,"punctuated_word":"summary","sentiment":"neutral","sentiment_score":0.1519359052181244},{"word":"of","start":1438.23,"end":1438.47,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19870173931121823},{"word":"your","start":1438.47,"end":1438.97,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18751397728919983},{"word":"superannuation","start":1439.0299,"end":1439.5299,"confidence":0.9892578,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.1788044571876526},{"word":"so","start":1440.71,"end":1440.95,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3511810004711151},{"word":"it","start":1440.95,"end":1441.19,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3128739595413208},{"word":"does","start":1441.19,"end":1441.51,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.2456279993057251},{"word":"show","start":1441.51,"end":1441.83,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.14720577001571655},{"word":"you","start":1441.83,"end":1442.1499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19051946699619293},{"word":"your","start":1442.1499,"end":1442.47,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1707095503807068},{"word":"current","start":1442.47,"end":1442.95,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.1727731227874756},{"word":"superannuation","start":1442.95,"end":1443.45,"confidence":0.99576825,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.179882749915123},{"word":"with","start":1443.83,"end":1444.23,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17752334475517273},{"word":"hub","start":1444.23,"end":1444.5499,"confidence":0.53125,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.18736332654953003},{"word":"twenty","start":1444.5499,"end":1444.95,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.2075587660074234},{"word":"four","start":1444.95,"end":1445.45,"confidence":0.9838867,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.16574791073799133},{"word":"and","start":1446.075,"end":1446.315,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13561822474002838},{"word":"that","start":1446.315,"end":1446.475,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15646284818649292},{"word":"your","start":1446.475,"end":1446.635,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10005614161491394},{"word":"current","start":1446.635,"end":1446.955,"confidence":0.99609375,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.11775976419448853},{"word":"balance","start":1446.955,"end":1447.4349,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.08858908712863922},{"word":"is","start":1447.4349,"end":1447.755,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08295315504074097},{"word":"about","start":1447.755,"end":1448.255,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09259288012981416},{"word":"258,556","start":1448.395,"end":1452.1749,"confidence":0.9986683,"punctuated_word":"258,556.","sentiment":"neutral","sentiment_score":0.10046634823083878},{"word":"now","start":1453.0349,"end":1453.5349,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.012644767761230469},{"word":"it","start":1454.235,"end":1454.635,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06262104213237762},{"word":"also","start":1454.635,"end":1455.115,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.027954742312431335},{"word":"shows","start":1455.115,"end":1455.355,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.012667670845985413},{"word":"you","start":1455.355,"end":1455.6749,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016656003892421722},{"word":"a","start":1455.6749,"end":1455.835,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0000375211238861084},{"word":"performance","start":1455.835,"end":1456.335,"confidence":0.99902344,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.03939085453748703},{"word":"report","start":1456.635,"end":1457.135,"confidence":0.8562012,"punctuated_word":"report.","sentiment":"neutral","sentiment_score":0.035028163343667984},{"word":"so","start":1457.275,"end":1457.4349,"confidence":0.90722656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08688211441040039},{"word":"it","start":1457.4349,"end":1457.595,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12630629539489746},{"word":"shows","start":1457.595,"end":1457.835,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.07513636350631714},{"word":"you","start":1457.835,"end":1457.995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10872270166873932},{"word":"kind","start":1457.995,"end":1458.155,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.14206771552562714},{"word":"of","start":1458.155,"end":1458.315,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10533527284860612},{"word":"how","start":1458.315,"end":1458.5549,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.09005652368068695},{"word":"your","start":1458.5549,"end":1458.7949,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07730711996555328},{"word":"investments","start":1458.7949,"end":1459.2949,"confidence":0.99609375,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.07023436576128006},{"word":"have","start":1459.995,"end":1460.235,"confidence":0.6381836,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07609158754348755},{"word":"performed","start":1460.235,"end":1460.735,"confidence":0.99902344,"punctuated_word":"performed","sentiment":"neutral","sentiment_score":0.13143089413642883},{"word":"in","start":1460.7949,"end":1460.955,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13277298212051392},{"word":"the","start":1460.955,"end":1461.0349,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11231639236211775},{"word":"last","start":1461.0349,"end":1461.5349,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.061595745384693146},{"word":"twelve","start":1461.73,"end":1462.0499,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.044562071561813354},{"word":"months","start":1462.0499,"end":1462.5499,"confidence":0.9785156,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.06336797773838043},{"word":"and","start":1463.49,"end":1463.6499,"confidence":0.7475586,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0719653069972992},{"word":"now","start":1463.6499,"end":1463.8899,"confidence":0.9326172,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.08330002427101135},{"word":"i'm","start":1463.8899,"end":1464.0499,"confidence":0.9890137,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06697101891040802},{"word":"sure","start":1464.0499,"end":1464.13,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.059654273092746735},{"word":"you've","start":1464.13,"end":1464.37,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.07351800054311752},{"word":"obviously","start":1464.37,"end":1464.85,"confidence":0.9892578,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.04533347859978676},{"word":"heard","start":1464.85,"end":1465.1699,"confidence":0.9873047,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":0.033263906836509705},{"word":"on","start":1465.1699,"end":1465.4099,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.017750218510627747},{"word":"on","start":1465.4099,"end":1465.57,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.018018685281276703},{"word":"the","start":1465.57,"end":1465.73,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015241265296936035},{"word":"news","start":1465.73,"end":1466.23,"confidence":1.0,"punctuated_word":"news","sentiment":"neutral","sentiment_score":0.000575527548789978},{"word":"the","start":1466.5299,"end":1466.69,"confidence":0.77734375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005434103310108185},{"word":"bit","start":1466.69,"end":1466.85,"confidence":0.99121094,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.013985387980937958},{"word":"of","start":1466.85,"end":1467.09,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03577034920454025},{"word":"fluctuations","start":1467.09,"end":1467.59,"confidence":0.9970703,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":-0.026281729340553284},{"word":"we","start":1467.6499,"end":1467.8899,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.014030754566192629},{"word":"have","start":1467.8899,"end":1468.0499,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04570719599723816},{"word":"had","start":1468.0499,"end":1468.21,"confidence":0.98291016,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.05207960307598114},{"word":"in","start":1468.21,"end":1468.37,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03228124976158142},{"word":"the","start":1468.37,"end":1468.5299,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.040595270693302155},{"word":"last","start":1468.5299,"end":1468.7699,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.019668646156787872},{"word":"twelve","start":1468.7699,"end":1469.09,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.03843991458415985},{"word":"months","start":1469.09,"end":1469.4099,"confidence":0.8378906,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.009020388126373293},{"word":"so","start":1469.4099,"end":1469.57,"confidence":0.5876465,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.035657621920108795},{"word":"obviously","start":1469.57,"end":1469.97,"confidence":0.99609375,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.0327870175242424},{"word":"first","start":1469.97,"end":1470.21,"confidence":0.97509766,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.018458738923072815},{"word":"with","start":1470.21,"end":1470.71,"confidence":0.88964844,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03073684126138687},{"word":"us","start":1471.25,"end":1471.6499,"confidence":0.99609375,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.02899297326803207},{"word":"and","start":1471.6499,"end":1471.8099,"confidence":0.63720703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.005622588098049164},{"word":"then","start":1471.8099,"end":1471.97,"confidence":0.95410156,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.038262590765953064},{"word":"trump","start":1471.97,"end":1472.21,"confidence":0.99902344,"punctuated_word":"Trump","sentiment":"neutral","sentiment_score":-0.01629064977169037},{"word":"and","start":1472.21,"end":1472.45,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.007798962295055389},{"word":"tariffs","start":1472.45,"end":1472.85,"confidence":0.13000488,"punctuated_word":"tariffs","sentiment":"neutral","sentiment_score":-0.029055599123239517},{"word":"and","start":1472.85,"end":1473.0099,"confidence":0.9716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.015793941915035248},{"word":"everything","start":1473.0099,"end":1473.49,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.017053678631782532},{"word":"saw","start":1473.49,"end":1473.6499,"confidence":0.4597168,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":0.016535356640815735},{"word":"a","start":1473.6499,"end":1473.73,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026918772608041763},{"word":"bit","start":1473.73,"end":1473.8899,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.003486745059490204},{"word":"of","start":1473.8899,"end":1474.0499,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01842816174030304},{"word":"movement","start":1474.0499,"end":1474.5499,"confidence":0.8239746,"punctuated_word":"movement.","sentiment":"neutral","sentiment_score":-0.0156937874853611},{"word":"and","start":1474.845,"end":1475.085,"confidence":0.9421387,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.03738492354750633},{"word":"obviously","start":1475.085,"end":1475.485,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.05175520479679108},{"word":"more","start":1475.485,"end":1475.8049,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0361134260892868},{"word":"recently","start":1475.8049,"end":1476.2849,"confidence":0.99902344,"punctuated_word":"recently","sentiment":"neutral","sentiment_score":0.04120654612779617},{"word":"with","start":1476.2849,"end":1476.525,"confidence":0.77685547,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.010258495807647703},{"word":"the","start":1476.525,"end":1476.6849,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04197671264410019},{"word":"war","start":1476.6849,"end":1477.005,"confidence":1.0,"punctuated_word":"war","sentiment":"neutral","sentiment_score":-0.06818583607673645},{"word":"as","start":1477.005,"end":1477.1649,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.02728823572397232},{"word":"well","start":1477.1649,"end":1477.6649,"confidence":0.98217773,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.012831315398216248},{"word":"we","start":1477.965,"end":1478.125,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09435494989156724},{"word":"have","start":1478.125,"end":1478.365,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04180476814508438},{"word":"seen","start":1478.365,"end":1478.6849,"confidence":1.0,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.06215052306652069},{"word":"a","start":1478.6849,"end":1478.765,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04785892367362976},{"word":"bit","start":1478.765,"end":1479.005,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.03369321674108505},{"word":"of","start":1479.005,"end":1479.1649,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015650711953639984},{"word":"movement","start":1479.1649,"end":1479.6649,"confidence":0.99902344,"punctuated_word":"movement.","sentiment":"neutral","sentiment_score":0.01269179955124855},{"word":"now","start":1480.765,"end":1481.085,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.025106258690357208},{"word":"in","start":1481.085,"end":1481.325,"confidence":0.9838867,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01149442046880722},{"word":"saying","start":1481.325,"end":1481.645,"confidence":0.99902344,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.026109669357538223},{"word":"that","start":1481.645,"end":1481.885,"confidence":0.8508301,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.03003362938761711},{"word":"though","start":1481.885,"end":1482.385,"confidence":0.7895508,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":-0.0004360415041446686},{"word":"and","start":1482.445,"end":1482.6849,"confidence":0.55322266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.008003689348697662},{"word":"this","start":1482.6849,"end":1482.845,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.02140926942229271},{"word":"is","start":1482.845,"end":1483.005,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.015433944761753082},{"word":"all","start":1483.005,"end":1483.405,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.01740521937608719},{"word":"after","start":1483.405,"end":1483.725,"confidence":0.9921875,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.02818136289715767},{"word":"fees","start":1483.725,"end":1484.0449,"confidence":0.8457031,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":-0.030183319002389908},{"word":"so","start":1484.0449,"end":1484.125,"confidence":0.6801758,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10995332151651382},{"word":"after","start":1484.125,"end":1484.445,"confidence":0.9980469,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.08607985824346542},{"word":"all","start":1484.445,"end":1484.605,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1990235447883606},{"word":"fees","start":1484.605,"end":1484.9249,"confidence":0.9980469,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.10665733367204666},{"word":"have","start":1484.9249,"end":1485.085,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14178340137004852},{"word":"been","start":1485.085,"end":1485.245,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.15444688498973846},{"word":"deducted","start":1485.245,"end":1485.725,"confidence":0.99902344,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.1189320832490921},{"word":"from","start":1485.725,"end":1485.965,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.10651140660047533},{"word":"your","start":1485.965,"end":1486.205,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1058737337589264},{"word":"account","start":1486.205,"end":1486.705,"confidence":0.99902344,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.10445193946361542},{"word":"your","start":1487.24,"end":1487.56,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29122990369796753},{"word":"portfolio","start":1487.56,"end":1488.06,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.028851255774497982},{"word":"has","start":1488.12,"end":1488.4401,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.2656593918800354},{"word":"still","start":1488.4401,"end":1488.92,"confidence":0.9941406,"punctuated_word":"still,","sentiment":"neutral","sentiment_score":0.23423421382904053},{"word":"you","start":1489.16,"end":1489.3201,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22484126687049863},{"word":"know","start":1489.3201,"end":1489.56,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.22346961498260495},{"word":"gone","start":1489.56,"end":1489.8,"confidence":0.9951172,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.28893333673477173},{"word":"up","start":1489.8,"end":1489.9601,"confidence":0.9941406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.27425193786621094},{"word":"in","start":1489.9601,"end":1490.12,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2847093939781189},{"word":"the","start":1490.12,"end":1490.2001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24587318301200867},{"word":"last","start":1490.2001,"end":1490.4401,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1728975474834442},{"word":"twelve","start":1490.4401,"end":1490.68,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.17821624875068665},{"word":"months","start":1490.68,"end":1490.92,"confidence":0.97558594,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.251855731010437},{"word":"which","start":1490.92,"end":1491.16,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.43084582686424255},{"word":"is","start":1491.16,"end":1491.24,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4335763156414032},{"word":"good","start":1491.24,"end":1491.56,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4691827893257141},{"word":"given","start":1491.56,"end":1492.04,"confidence":0.90283203,"punctuated_word":"given","sentiment":"positive","sentiment_score":0.4759345054626465},{"word":"what","start":1492.04,"end":1492.28,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.5071505904197693},{"word":"has","start":1492.28,"end":1492.52,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.3806841969490051},{"word":"happened","start":1492.52,"end":1493.02,"confidence":1.0,"punctuated_word":"happened.","sentiment":"positive","sentiment_score":0.39164453744888306},{"word":"the","start":1493.9601,"end":1494.12,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.18720482289791107},{"word":"last","start":1494.12,"end":1494.36,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.10958898812532424},{"word":"twelve","start":1494.36,"end":1494.68,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.13383935391902924},{"word":"months","start":1494.68,"end":1495.0801,"confidence":0.9819336,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.1749553382396698},{"word":"it's","start":1495.0801,"end":1495.4,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2045159786939621},{"word":"about","start":1495.4,"end":1495.8,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1968950480222702},{"word":"5.35%","start":1495.8,"end":1497.8201,"confidence":0.9970703,"punctuated_word":"5.35%.","sentiment":"neutral","sentiment_score":0.22773174941539764},{"word":"now","start":1498.52,"end":1498.8401,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.22771644592285156},{"word":"that","start":1498.8401,"end":1499.0801,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2257595807313919},{"word":"also","start":1499.0801,"end":1499.5801,"confidence":0.9951172,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.17461223900318146},{"word":"attributes","start":1499.9601,"end":1500.4601,"confidence":0.9194336,"punctuated_word":"attributes","sentiment":"neutral","sentiment_score":0.134861558675766},{"word":"to","start":1500.555,"end":1500.7151,"confidence":0.44213867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18993201851844788},{"word":"the","start":1500.7151,"end":1500.875,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20766021311283112},{"word":"fact","start":1500.875,"end":1501.035,"confidence":0.99902344,"punctuated_word":"fact","sentiment":"neutral","sentiment_score":0.2134617418050766},{"word":"that","start":1501.035,"end":1501.275,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1866663098335266},{"word":"you","start":1501.275,"end":1501.515,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1959887444972992},{"word":"are","start":1501.515,"end":1501.675,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2036544382572174},{"word":"in","start":1501.675,"end":1501.995,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15011051297187805},{"word":"a","start":1501.995,"end":1502.155,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2002853751182556},{"word":"growth","start":1502.155,"end":1502.4751,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.19710621237754825},{"word":"portfolio","start":1502.4751,"end":1502.9751,"confidence":0.7973633,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.14110547304153442},{"word":"so","start":1503.035,"end":1503.1951,"confidence":0.9921875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1627507209777832},{"word":"you","start":1503.1951,"end":1503.3551,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15105673670768738},{"word":"can","start":1503.3551,"end":1503.675,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14035935699939728},{"word":"see","start":1503.675,"end":1503.8351,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.171808123588562},{"word":"more","start":1503.8351,"end":1504.2351,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.10482579469680786},{"word":"fluctuations","start":1504.2351,"end":1504.7351,"confidence":0.9970703,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.16583940386772156},{"word":"when","start":1505.1151,"end":1505.3551,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08427304774522781},{"word":"there","start":1505.3551,"end":1505.515,"confidence":0.9863281,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.035639725625514984},{"word":"are","start":1505.515,"end":1505.675,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.018101155757904053},{"word":"more","start":1505.675,"end":1505.915,"confidence":0.99609375,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.010916881263256071},{"word":"volatility","start":1505.915,"end":1506.415,"confidence":0.99902344,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":0.005689047276973724},{"word":"in","start":1506.555,"end":1506.635,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.017883777618408203},{"word":"the","start":1506.635,"end":1506.795,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03849473595619202},{"word":"market","start":1506.795,"end":1507.295,"confidence":0.984375,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.01063549518585205},{"word":"so","start":1508.0751,"end":1508.5751,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03242125362157822},{"word":"like","start":1508.795,"end":1509.035,"confidence":0.6816406,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07921634614467621},{"word":"i","start":1509.035,"end":1509.1951,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06817973405122757},{"word":"said","start":1509.1951,"end":1509.515,"confidence":0.9980469,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.0757041871547699},{"word":"i","start":1509.515,"end":1509.675,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10968971252441406},{"word":"will","start":1509.675,"end":1509.915,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06952362507581711},{"word":"do","start":1509.915,"end":1510.0751,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08452557027339935},{"word":"a","start":1510.0751,"end":1510.2351,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.085794597864151},{"word":"bit","start":1510.2351,"end":1510.4751,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07414624094963074},{"word":"more","start":1510.4751,"end":1510.7151,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05576213076710701},{"word":"in-depth","start":1510.7151,"end":1511.2151,"confidence":0.9996745,"punctuated_word":"in-depth","sentiment":"neutral","sentiment_score":0.05490107461810112},{"word":"on","start":1511.275,"end":1511.755,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08652892708778381},{"word":"the","start":1511.755,"end":1511.915,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06559876352548599},{"word":"difference","start":1511.915,"end":1512.395,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.05942199379205704},{"word":"between","start":1512.395,"end":1512.7151,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.08140150457620621},{"word":"your","start":1512.7151,"end":1513.035,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10256007313728333},{"word":"your","start":1513.035,"end":1513.275,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10554014146327972},{"word":"growth","start":1513.275,"end":1513.775,"confidence":0.984375,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.0693405345082283},{"word":"and","start":1513.995,"end":1514.2351,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.076975516974926},{"word":"your","start":1514.2351,"end":1514.4751,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09246239066123962},{"word":"balance","start":1514.4751,"end":1514.9551,"confidence":0.9291992,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.050543636083602905},{"word":"growth","start":1514.9551,"end":1515.4551,"confidence":0.9941406,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.08228769153356552},{"word":"and","start":1515.57,"end":1515.97,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06254308670759201},{"word":"also","start":1515.97,"end":1516.47,"confidence":0.7578125,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0667986199259758},{"word":"deep","start":1516.69,"end":1517.0099,"confidence":0.9291992,"punctuated_word":"deep","sentiment":"neutral","sentiment_score":0.06717458367347717},{"word":"diving","start":1517.0099,"end":1517.49,"confidence":1.0,"punctuated_word":"diving","sentiment":"neutral","sentiment_score":0.09175993502140044},{"word":"into","start":1517.49,"end":1517.8099,"confidence":0.9941406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.11441536247730257},{"word":"some","start":1517.8099,"end":1517.97,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09663783013820648},{"word":"of","start":1517.97,"end":1518.13,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0833008661866188},{"word":"those","start":1518.13,"end":1518.5299,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.08527877181768417},{"word":"investments","start":1518.5299,"end":1519.0299,"confidence":1.0,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.06451819837093353},{"word":"to","start":1519.09,"end":1519.25,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07638794183731079},{"word":"see","start":1519.25,"end":1519.4099,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09518207609653472},{"word":"if","start":1519.4099,"end":1519.57,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07518436759710312},{"word":"there's","start":1519.57,"end":1519.8099,"confidence":0.9980469,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.05129379779100418},{"word":"potentially","start":1519.8099,"end":1520.3099,"confidence":0.9873047,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.05069238319993019},{"word":"some","start":1520.45,"end":1520.69,"confidence":0.85546875,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.05144161731004715},{"word":"we","start":1520.69,"end":1520.85,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06829895079135895},{"word":"wanna","start":1520.85,"end":1521.1699,"confidence":0.9941406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.05396042764186859},{"word":"change","start":1521.1699,"end":1521.4099,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.06617149710655212},{"word":"out","start":1521.4099,"end":1521.9099,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04957015439867973},{"word":"for","start":1522.5299,"end":1522.7699,"confidence":0.5292969,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07358291745185852},{"word":"some","start":1522.7699,"end":1523.0099,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.054919078946113586},{"word":"other","start":1523.0099,"end":1523.1699,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.05812178552150726},{"word":"ones","start":1523.1699,"end":1523.49,"confidence":0.97802734,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.07055046409368515},{"word":"for","start":1523.49,"end":1523.6499,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04386565461754799},{"word":"you","start":1523.6499,"end":1524.1499,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.04633251205086708},{"word":"now","start":1525.73,"end":1526.0499,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06351976841688156},{"word":"what","start":1526.0499,"end":1526.2899,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06992197036743164},{"word":"you","start":1526.2899,"end":1526.45,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07861027121543884},{"word":"will","start":1526.45,"end":1526.7699,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.08780743181705475},{"word":"also","start":1526.7699,"end":1527.25,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0761011391878128},{"word":"see","start":1527.25,"end":1527.57,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06234349310398102},{"word":"is","start":1527.57,"end":1527.8899,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07619398832321167},{"word":"an","start":1527.8899,"end":1528.3899,"confidence":0.9921875,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08327582478523254},{"word":"oq","start":1528.5851,"end":1528.745,"confidence":0.8054199,"punctuated_word":"OQ","sentiment":"neutral","sentiment_score":0.06233807280659675},{"word":"services","start":1528.745,"end":1529.245,"confidence":0.9863281,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.059112876653671265},{"word":"guide","start":1529.305,"end":1529.785,"confidence":0.9995117,"punctuated_word":"guide.","sentiment":"neutral","sentiment_score":0.06937776505947113},{"word":"now","start":1529.785,"end":1529.9451,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.10941775143146516},{"word":"you","start":1529.9451,"end":1530.1051,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12263694405555724},{"word":"probably","start":1530.1051,"end":1530.3451,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.11265388876199722},{"word":"would","start":1530.3451,"end":1530.505,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.11150578409433363},{"word":"have","start":1530.505,"end":1530.665,"confidence":0.86279297,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09493428468704224},{"word":"seen","start":1530.665,"end":1530.8251,"confidence":1.0,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.07779549807310104},{"word":"this","start":1530.8251,"end":1531.0651,"confidence":0.97802734,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1001001074910164},{"word":"a","start":1531.0651,"end":1531.145,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07250179350376129},{"word":"couple","start":1531.145,"end":1531.385,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.0593189001083374},{"word":"of","start":1531.385,"end":1531.545,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05726100504398346},{"word":"times","start":1531.545,"end":1531.9451,"confidence":1.0,"punctuated_word":"times","sentiment":"neutral","sentiment_score":0.06042288988828659},{"word":"before","start":1531.9451,"end":1532.425,"confidence":0.9926758,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":0.06246146559715271},{"word":"it","start":1532.425,"end":1532.665,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.15572886168956757},{"word":"is","start":1532.665,"end":1532.8251,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12435634434223176},{"word":"one","start":1532.8251,"end":1532.9851,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.13385513424873352},{"word":"of","start":1532.9851,"end":1533.145,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1020095944404602},{"word":"those","start":1533.145,"end":1533.4651,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1710626631975174},{"word":"compliance","start":1533.4651,"end":1533.9651,"confidence":0.9951172,"punctuated_word":"compliance","sentiment":"neutral","sentiment_score":0.1073572114109993},{"word":"documents","start":1534.1051,"end":1534.6051,"confidence":0.78027344,"punctuated_word":"documents,","sentiment":"neutral","sentiment_score":0.11413633078336716},{"word":"but","start":1535.0651,"end":1535.305,"confidence":0.8852539,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.16965490579605105},{"word":"it","start":1535.305,"end":1535.385,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23614828288555145},{"word":"does","start":1535.385,"end":1535.625,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.22594968974590304},{"word":"give","start":1535.625,"end":1535.785,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.18571370840072632},{"word":"you","start":1535.785,"end":1536.025,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18316031992435455},{"word":"all","start":1536.025,"end":1536.185,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1817401796579361},{"word":"the","start":1536.185,"end":1536.3451,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16845707595348358},{"word":"important","start":1536.3451,"end":1536.8451,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.11938466876745224},{"word":"information","start":1536.9851,"end":1537.4851,"confidence":0.99902344,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.15609389543533325},{"word":"in","start":1537.545,"end":1537.7051,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1460912674665451},{"word":"regards","start":1537.7051,"end":1538.1051,"confidence":0.99902344,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.12943938374519348},{"word":"to","start":1538.1051,"end":1538.265,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14231781661510468},{"word":"us","start":1538.265,"end":1538.425,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.14329734444618225},{"word":"here","start":1538.425,"end":1538.665,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.1895531266927719},{"word":"at","start":1538.665,"end":1538.8251,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15165743231773376},{"word":"oq","start":1538.8251,"end":1539.305,"confidence":0.97721356,"punctuated_word":"OQ.","sentiment":"neutral","sentiment_score":0.12650662660598755},{"word":"so","start":1539.305,"end":1539.545,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17674273252487183},{"word":"when","start":1539.545,"end":1539.7051,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1875503212213516},{"word":"you","start":1539.7051,"end":1539.865,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2157117575407028},{"word":"have","start":1539.865,"end":1540.1051,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1889200508594513},{"word":"a","start":1540.1051,"end":1540.185,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.192625030875206},{"word":"moment","start":1540.185,"end":1540.665,"confidence":0.9970703,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.18102777004241943},{"word":"just","start":1540.665,"end":1540.8251,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14441005885601044},{"word":"have","start":1540.8251,"end":1541.0651,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15379498898983002},{"word":"a","start":1541.0651,"end":1541.145,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14933568239212036},{"word":"read","start":1541.145,"end":1541.385,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.10650142282247543},{"word":"through","start":1541.385,"end":1541.625,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1258564591407776},{"word":"it","start":1541.625,"end":1542.06,"confidence":0.99853516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.12309835851192474},{"word":"none","start":1542.54,"end":1542.78,"confidence":1.0,"punctuated_word":"None","sentiment":"neutral","sentiment_score":0.18738210201263428},{"word":"of","start":1542.78,"end":1542.8601,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1375161111354828},{"word":"the","start":1542.8601,"end":1543.02,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15406325459480286},{"word":"important","start":1543.02,"end":1543.5,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.035344868898391724},{"word":"information","start":1543.5,"end":1544.0,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.1243981420993805},{"word":"has","start":1544.2201,"end":1544.6201,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.15225966274738312},{"word":"changed","start":1544.6201,"end":1545.02,"confidence":0.9875488,"punctuated_word":"changed,","sentiment":"neutral","sentiment_score":0.07224208116531372},{"word":"but","start":1545.02,"end":1545.18,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.15034067630767822},{"word":"we've","start":1545.18,"end":1545.42,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.2817491292953491},{"word":"had","start":1545.42,"end":1545.5801,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.32046884298324585},{"word":"a","start":1545.5801,"end":1545.66,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35532259941101074},{"word":"bit","start":1545.66,"end":1545.8201,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.31215906143188477},{"word":"of","start":1545.8201,"end":1545.9801,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.39656439423561096},{"word":"an","start":1545.9801,"end":1546.14,"confidence":1.0,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.3845691680908203},{"word":"extension","start":1546.14,"end":1546.6201,"confidence":1.0,"punctuated_word":"extension","sentiment":"positive","sentiment_score":0.46932098269462585},{"word":"to","start":1546.6201,"end":1546.8601,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.43413665890693665},{"word":"the","start":1546.8601,"end":1547.02,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.33430343866348267},{"word":"team","start":1547.02,"end":1547.42,"confidence":0.96240234,"punctuated_word":"team,","sentiment":"neutral","sentiment_score":0.32305780053138733},{"word":"which","start":1547.42,"end":1547.66,"confidence":0.99902344,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4970269501209259},{"word":"is","start":1547.66,"end":1547.9801,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6688978672027588},{"word":"nice","start":1547.9801,"end":1548.4801,"confidence":0.8527832,"punctuated_word":"nice,","sentiment":"positive","sentiment_score":0.6009584665298462},{"word":"and","start":1549.02,"end":1549.18,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4404295086860657},{"word":"also","start":1549.18,"end":1549.5801,"confidence":0.59521484,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.48931610584259033},{"word":"a","start":1549.5801,"end":1549.66,"confidence":0.98535156,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4966643452644348},{"word":"bit","start":1549.66,"end":1549.9,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4985179603099823},{"word":"of","start":1549.9,"end":1549.9801,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5061453580856323},{"word":"an","start":1549.9801,"end":1550.14,"confidence":0.99902344,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.416056215763092},{"word":"update","start":1550.14,"end":1550.54,"confidence":0.7138672,"punctuated_word":"update","sentiment":"positive","sentiment_score":0.3768756687641144},{"word":"marketing","start":1550.54,"end":1551.04,"confidence":0.9785156,"punctuated_word":"marketing.","sentiment":"neutral","sentiment_score":0.32206350564956665},{"word":"if","start":1551.18,"end":1551.3401,"confidence":0.45874023,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.3096226751804352},{"word":"you","start":1551.3401,"end":1551.5,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24201834201812744},{"word":"do","start":1551.5,"end":1551.66,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.214598149061203},{"word":"wanna","start":1551.66,"end":1551.9,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.23726242780685425},{"word":"have","start":1551.9,"end":1552.14,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21323227882385257},{"word":"a","start":1552.14,"end":1552.2201,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20133209228515625},{"word":"read","start":1552.2201,"end":1552.4601,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.17074957489967346},{"word":"over","start":1552.4601,"end":1552.78,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2633531987667084},{"word":"it","start":1552.78,"end":1553.1001,"confidence":0.99902344,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.2432171106338501},{"word":"you","start":1553.26,"end":1553.5,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2341250032186508},{"word":"will","start":1553.5,"end":1553.66,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2006184309720993},{"word":"actually","start":1553.66,"end":1554.14,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.20692747831344604},{"word":"see","start":1554.14,"end":1554.4601,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.19608734548091888},{"word":"myself","start":1554.4601,"end":1554.9601,"confidence":0.9970703,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":0.19736135005950928},{"word":"on","start":1555.18,"end":1555.42,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.21493835747241977},{"word":"page","start":1555.42,"end":1555.8201,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.2125532627105713},{"word":"10","start":1555.8201,"end":1556.3201,"confidence":1.0,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.23120814561843872},{"word":"if","start":1556.5549,"end":1556.635,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.23395124077796936},{"word":"you","start":1556.635,"end":1556.875,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2175752818584442},{"word":"do","start":1556.875,"end":1557.035,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17332501709461212},{"word":"wanna","start":1557.035,"end":1557.1951,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.18613144755363464},{"word":"put","start":1557.1951,"end":1557.355,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.139128640294075},{"word":"a","start":1557.355,"end":1557.515,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18774916231632233},{"word":"face","start":1557.515,"end":1557.6749,"confidence":1.0,"punctuated_word":"face","sentiment":"neutral","sentiment_score":0.16210949420928955},{"word":"to","start":1557.6749,"end":1557.835,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1796448975801468},{"word":"the","start":1557.835,"end":1557.995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16051429510116577},{"word":"voice","start":1557.995,"end":1558.315,"confidence":0.9506836,"punctuated_word":"voice","sentiment":"neutral","sentiment_score":0.09550713747739792},{"word":"as","start":1558.315,"end":1558.395,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16247370839118958},{"word":"well","start":1558.395,"end":1558.895,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.138920396566391},{"word":"and","start":1561.195,"end":1561.4349,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12172890454530716},{"word":"then","start":1561.4349,"end":1561.835,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1480121910572052},{"word":"the","start":1561.835,"end":1561.995,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14792270958423617},{"word":"last","start":1561.995,"end":1562.395,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.13002783060073853},{"word":"two","start":1562.395,"end":1562.635,"confidence":0.9506836,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.10690736025571825},{"word":"documents","start":1562.635,"end":1563.135,"confidence":0.9941406,"punctuated_word":"documents,","sentiment":"neutral","sentiment_score":0.10317090153694151},{"word":"it","start":1563.195,"end":1563.355,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15764296054840088},{"word":"will","start":1563.355,"end":1563.595,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.12042800337076189},{"word":"ask","start":1563.595,"end":1563.835,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.11744418740272522},{"word":"you","start":1563.835,"end":1564.075,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1316302865743637},{"word":"to","start":1564.075,"end":1564.235,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12508846819400787},{"word":"add","start":1564.235,"end":1564.475,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.110661581158638},{"word":"a","start":1564.475,"end":1564.7949,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11474058777093887},{"word":"signature","start":1564.7949,"end":1565.2949,"confidence":1.0,"punctuated_word":"signature","sentiment":"neutral","sentiment_score":0.0704546868801117},{"word":"if","start":1565.4349,"end":1565.6749,"confidence":0.984375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15947338938713074},{"word":"you","start":1565.6749,"end":1565.835,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15957191586494446},{"word":"are","start":1565.835,"end":1565.995,"confidence":0.6933594,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.14090916514396667},{"word":"happy","start":1565.995,"end":1566.395,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.14224858582019806},{"word":"to","start":1566.395,"end":1566.5549,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17182645201683044},{"word":"do","start":1566.5549,"end":1566.7949,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15304571390151978},{"word":"so","start":1566.7949,"end":1567.2949,"confidence":0.9995117,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.1369062513113022},{"word":"now","start":1567.4349,"end":1567.9149,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.14381572604179382},{"word":"one","start":1567.9149,"end":1568.395,"confidence":0.99316406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.16146770119667053},{"word":"is","start":1568.395,"end":1568.7949,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20756858587265015},{"word":"a","start":1568.7949,"end":1569.035,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25841066241264343},{"word":"tax","start":1569.035,"end":1569.355,"confidence":0.9970703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.28951793909072876},{"word":"fund","start":1569.355,"end":1569.595,"confidence":0.33203125,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.20223164558410645},{"word":"number","start":1569.595,"end":1569.995,"confidence":0.99902344,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.1976790428161621},{"word":"form","start":1569.995,"end":1570.495,"confidence":0.9995117,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.18759167194366455},{"word":"it","start":1570.9601,"end":1571.2001,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2051752805709839},{"word":"basically","start":1571.2001,"end":1571.7001,"confidence":0.99121094,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.1748918443918228},{"word":"just","start":1571.76,"end":1572.0801,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19719365239143372},{"word":"says","start":1572.0801,"end":1572.4,"confidence":0.99609375,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.193096861243248},{"word":"that","start":1572.4,"end":1572.88,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24733662605285645},{"word":"we","start":1572.88,"end":1573.04,"confidence":0.66259766,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2718832194805145},{"word":"are","start":1573.04,"end":1573.28,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2984410524368286},{"word":"keeping","start":1573.28,"end":1573.6001,"confidence":1.0,"punctuated_word":"keeping","sentiment":"positive","sentiment_score":0.3509802222251892},{"word":"your","start":1573.6001,"end":1573.76,"confidence":0.88720703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.35385119915008545},{"word":"tax","start":1573.76,"end":1574.0,"confidence":1.0,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.3663829565048218},{"word":"fund","start":1574.0,"end":1574.24,"confidence":0.9086914,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.3090515434741974},{"word":"number","start":1574.24,"end":1574.56,"confidence":0.95947266,"punctuated_word":"number","sentiment":"positive","sentiment_score":0.44799456000328064},{"word":"secure","start":1574.56,"end":1574.9601,"confidence":0.9863281,"punctuated_word":"secure","sentiment":"positive","sentiment_score":0.3459933400154114},{"word":"and","start":1574.9601,"end":1575.28,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3985564112663269},{"word":"safe","start":1575.28,"end":1575.68,"confidence":0.99902344,"punctuated_word":"safe","sentiment":"neutral","sentiment_score":0.32597896456718445},{"word":"on-site","start":1575.68,"end":1576.18,"confidence":0.9613037,"punctuated_word":"on-site.","sentiment":"neutral","sentiment_score":0.2684471309185028},{"word":"the","start":1578.16,"end":1578.4801,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.14403574168682098},{"word":"other","start":1578.4801,"end":1578.7201,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.14920572936534882},{"word":"one","start":1578.7201,"end":1579.2201,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.18205440044403076},{"word":"is","start":1579.8401,"end":1580.3201,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1976687014102936},{"word":"your","start":1580.3201,"end":1580.7201,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22839580476284027},{"word":"ongoing","start":1580.7201,"end":1581.2201,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.24098116159439087},{"word":"service","start":1581.28,"end":1581.68,"confidence":0.98535156,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.1755722612142563},{"word":"agreement","start":1581.68,"end":1582.18,"confidence":0.9802246,"punctuated_word":"agreement.","sentiment":"neutral","sentiment_score":0.2458154559135437},{"word":"so","start":1582.64,"end":1582.88,"confidence":0.99609375,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3725360035896301},{"word":"this","start":1582.88,"end":1583.12,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.49327629804611206},{"word":"is","start":1583.12,"end":1583.28,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.44715213775634766},{"word":"the","start":1583.28,"end":1583.52,"confidence":0.9873047,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4532468020915985},{"word":"one","start":1583.52,"end":1583.76,"confidence":0.9980469,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.5001200437545776},{"word":"to","start":1583.76,"end":1584.0,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4621695578098297},{"word":"say","start":1584.0,"end":1584.24,"confidence":1.0,"punctuated_word":"say","sentiment":"positive","sentiment_score":0.4948483407497406},{"word":"that","start":1584.24,"end":1584.4,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5448924899101257},{"word":"you","start":1584.4,"end":1584.56,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6094546914100647},{"word":"are","start":1584.56,"end":1584.8,"confidence":1.0,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.5513356328010559},{"word":"happy","start":1584.8,"end":1585.12,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5306886434555054},{"word":"to","start":1585.12,"end":1585.3601,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.486086368560791},{"word":"stay","start":1585.3601,"end":1585.6001,"confidence":1.0,"punctuated_word":"stay","sentiment":"positive","sentiment_score":0.4718165695667267},{"word":"on","start":1585.6001,"end":1585.92,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.47458356618881226},{"word":"as","start":1585.92,"end":1586.0,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5114266276359558},{"word":"a","start":1586.0,"end":1586.205,"confidence":0.9863281,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.486319899559021},{"word":"client","start":1586.365,"end":1586.865,"confidence":1.0,"punctuated_word":"client.","sentiment":"positive","sentiment_score":0.4404488503932953},{"word":"now","start":1587.565,"end":1587.8049,"confidence":0.9914551,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.1920620948076248},{"word":"peter","start":1587.8049,"end":1588.205,"confidence":0.99658203,"punctuated_word":"Peter,","sentiment":"neutral","sentiment_score":0.16125613451004028},{"word":"there","start":1588.205,"end":1588.445,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15382084250450134},{"word":"is","start":1588.445,"end":1588.845,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10919921845197678},{"word":"no","start":1588.845,"end":1589.1649,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.05296219885349274},{"word":"changes","start":1589.1649,"end":1589.6449,"confidence":0.97998047,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.056107744574546814},{"word":"whatsoever","start":1589.6449,"end":1590.1449,"confidence":0.96972656,"punctuated_word":"whatsoever","sentiment":"neutral","sentiment_score":0.009928956627845764},{"word":"in","start":1590.205,"end":1590.445,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01728960871696472},{"word":"regards","start":1590.445,"end":1590.765,"confidence":0.99902344,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.027045302093029026},{"word":"to","start":1590.765,"end":1590.845,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0261634960770607},{"word":"the","start":1590.845,"end":1591.005,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04574909806251526},{"word":"fee","start":1591.005,"end":1591.325,"confidence":0.9941406,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.01264161616563797},{"word":"structure","start":1591.325,"end":1591.8049,"confidence":0.7561035,"punctuated_word":"structure.","sentiment":"neutral","sentiment_score":0.03583161160349846},{"word":"so","start":1591.8049,"end":1591.965,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11355642974376678},{"word":"it","start":1591.965,"end":1592.125,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14128762483596802},{"word":"hasn't","start":1592.125,"end":1592.365,"confidence":0.9951172,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":0.06403650343418121},{"word":"increased","start":1592.365,"end":1592.845,"confidence":0.9970703,"punctuated_word":"increased","sentiment":"neutral","sentiment_score":0.018238630145788193},{"word":"or","start":1592.845,"end":1593.005,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03588349372148514},{"word":"anything","start":1593.005,"end":1593.325,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.07763039320707321},{"word":"like","start":1593.325,"end":1593.485,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05742349103093147},{"word":"that","start":1593.485,"end":1593.725,"confidence":0.99853516,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.09377163648605348},{"word":"it","start":1593.725,"end":1593.965,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.14447978138923645},{"word":"stays","start":1593.965,"end":1594.2849,"confidence":0.9951172,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":0.1638941466808319},{"word":"exactly","start":1594.2849,"end":1594.7849,"confidence":1.0,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.2523556053638458},{"word":"the","start":1594.845,"end":1595.005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19700895249843595},{"word":"same","start":1595.005,"end":1595.4049,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.26386797428131104},{"word":"at","start":1595.4049,"end":1595.565,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2329993098974228},{"word":"1.65","start":1595.565,"end":1597.085,"confidence":0.99780273,"punctuated_word":"1.65","sentiment":"neutral","sentiment_score":0.2352040708065033},{"word":"from","start":1597.085,"end":1597.585,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.17080381512641907},{"word":"superannuation","start":1597.6449,"end":1598.1449,"confidence":0.96191406,"punctuated_word":"superannuation,","sentiment":"neutral","sentiment_score":0.1988067626953125},{"word":"and","start":1599.2899,"end":1599.5299,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11107127368450163},{"word":"it","start":1599.5299,"end":1599.69,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12339623272418976},{"word":"is","start":1599.69,"end":1599.9299,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.060748860239982605},{"word":"not","start":1599.9299,"end":1600.33,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.03795060515403747},{"word":"a","start":1600.33,"end":1600.57,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07385368645191193},{"word":"lock","start":1600.57,"end":1600.8099,"confidence":0.8378906,"punctuated_word":"lock","sentiment":"neutral","sentiment_score":0.0014806091785430908},{"word":"in","start":1600.8099,"end":1601.0499,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.010307282209396362},{"word":"contract","start":1601.0499,"end":1601.5499,"confidence":1.0,"punctuated_word":"contract.","sentiment":"neutral","sentiment_score":0.01024383306503296},{"word":"so","start":1601.69,"end":1601.85,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.088283471763134},{"word":"if","start":1601.85,"end":1602.09,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11804194003343582},{"word":"at","start":1602.09,"end":1602.25,"confidence":0.9838867,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.048312097787857056},{"word":"any","start":1602.25,"end":1602.49,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06607633084058762},{"word":"point","start":1602.49,"end":1602.8099,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.02891073375940323},{"word":"in","start":1602.8099,"end":1602.97,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.027376577258110046},{"word":"time","start":1602.97,"end":1603.37,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.018504470586776733},{"word":"you","start":1603.37,"end":1603.61,"confidence":0.7050781,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03633588552474976},{"word":"are","start":1603.61,"end":1603.69,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.026732102036476135},{"word":"not","start":1603.69,"end":1604.01,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.01167389750480652},{"word":"happy","start":1604.01,"end":1604.51,"confidence":0.99902344,"punctuated_word":"happy,","sentiment":"neutral","sentiment_score":0.03478166088461876},{"word":"it","start":1604.57,"end":1604.73,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07154207676649094},{"word":"is","start":1604.73,"end":1604.97,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02421317994594574},{"word":"not","start":1604.97,"end":1605.21,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.02633456140756607},{"word":"a","start":1605.21,"end":1605.37,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.017134662717580795},{"word":"lock","start":1605.37,"end":1605.61,"confidence":0.9589844,"punctuated_word":"lock","sentiment":"neutral","sentiment_score":-0.029754407703876495},{"word":"in","start":1605.61,"end":1605.9299,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04116252809762955},{"word":"contract","start":1605.9299,"end":1606.4299,"confidence":0.93896484,"punctuated_word":"contract.","sentiment":"neutral","sentiment_score":0.0017519257962703705},{"word":"but","start":1606.97,"end":1607.21,"confidence":0.9873047,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1547694057226181},{"word":"by","start":1607.21,"end":1607.45,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.16560247540473938},{"word":"signing","start":1607.45,"end":1607.85,"confidence":1.0,"punctuated_word":"signing","sentiment":"neutral","sentiment_score":0.17147564888000488},{"word":"this","start":1607.85,"end":1608.09,"confidence":0.9577637,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":0.20434784889221191},{"word":"otherwise","start":1608.09,"end":1608.57,"confidence":0.99902344,"punctuated_word":"otherwise,","sentiment":"neutral","sentiment_score":0.2510020136833191},{"word":"it","start":1608.57,"end":1608.73,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.30441248416900635},{"word":"allows","start":1608.73,"end":1609.21,"confidence":1.0,"punctuated_word":"allows","sentiment":"neutral","sentiment_score":0.2868613004684448},{"word":"us","start":1609.21,"end":1609.37,"confidence":0.99902344,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.3246570825576782},{"word":"to","start":1609.37,"end":1609.5299,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31479576230049133},{"word":"manage","start":1609.5299,"end":1609.85,"confidence":1.0,"punctuated_word":"manage","sentiment":"neutral","sentiment_score":0.3015419840812683},{"word":"all","start":1609.85,"end":1610.01,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4115966260433197},{"word":"your","start":1610.01,"end":1610.25,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3777968883514404},{"word":"investments","start":1610.25,"end":1610.75,"confidence":0.9819336,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.2824607193470001},{"word":"and","start":1610.8099,"end":1610.97,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3988572359085083},{"word":"everything","start":1610.97,"end":1611.45,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.41274023056030273},{"word":"for","start":1611.45,"end":1611.69,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3322489559650421},{"word":"you","start":1611.69,"end":1611.85,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23258572816848755},{"word":"in","start":1611.85,"end":1612.01,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2410864531993866},{"word":"the","start":1612.01,"end":1612.25,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1803966611623764},{"word":"meantime","start":1612.25,"end":1612.75,"confidence":0.9995117,"punctuated_word":"meantime.","sentiment":"neutral","sentiment_score":0.19290876388549805},{"word":"does","start":1612.97,"end":1613.13,"confidence":0.99902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.1582423895597458},{"word":"that","start":1613.13,"end":1613.37,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19128042459487915},{"word":"make","start":1613.37,"end":1613.61,"confidence":0.99609375,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1272764354944229},{"word":"sense","start":1613.61,"end":1614.11,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.15945762395858765},{"word":"yep","start":1614.6649,"end":1615.065,"confidence":0.8215332,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2017812728881836},{"word":"perfect","start":1615.065,"end":1615.565,"confidence":0.9926758,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6204574108123779},{"word":"and","start":1616.585,"end":1616.905,"confidence":0.67822266,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4118207693099976},{"word":"it's","start":1616.905,"end":1617.225,"confidence":1.0,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.35022830963134766},{"word":"not","start":1617.225,"end":1617.465,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.25521180033683777},{"word":"like","start":1617.465,"end":1617.965,"confidence":0.9194336,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2644289433956146},{"word":"a","start":1618.1849,"end":1618.345,"confidence":0.9199219,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.199022576212883},{"word":"one","start":1618.345,"end":1618.585,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.11026565730571748},{"word":"off","start":1618.585,"end":1618.825,"confidence":0.97314453,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.10609771311283112},{"word":"fee","start":1618.825,"end":1619.065,"confidence":0.99902344,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.14786773920059204},{"word":"that","start":1619.065,"end":1619.225,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16322730481624603},{"word":"comes","start":1619.225,"end":1619.465,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.21121451258659363},{"word":"out","start":1619.465,"end":1619.625,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2656482458114624},{"word":"of","start":1619.625,"end":1619.705,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2319755107164383},{"word":"your","start":1619.705,"end":1619.945,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23871761560440063},{"word":"account","start":1619.945,"end":1620.265,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.2505132853984833},{"word":"once","start":1620.265,"end":1620.585,"confidence":0.99902344,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.25169289112091064},{"word":"a","start":1620.585,"end":1620.6649,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2463330030441284},{"word":"year","start":1620.6649,"end":1620.985,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.22701555490493777},{"word":"either","start":1620.985,"end":1621.225,"confidence":0.9506836,"punctuated_word":"either.","sentiment":"neutral","sentiment_score":0.2536335587501526},{"word":"it","start":1621.225,"end":1621.385,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.22969046235084536},{"word":"is","start":1621.385,"end":1621.5449,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21262648701667783},{"word":"just","start":1621.5449,"end":1621.865,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2575494349002838},{"word":"deducted","start":1621.865,"end":1622.365,"confidence":0.9863281,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.2288638949394226},{"word":"month","start":1622.4249,"end":1622.585,"confidence":0.3684082,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.25529301166534424},{"word":"monthly","start":1622.745,"end":1623.145,"confidence":0.99902344,"punctuated_word":"monthly","sentiment":"positive","sentiment_score":0.34729424118995667},{"word":"to","start":1623.145,"end":1623.3049,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2946968078613281},{"word":"give","start":1623.3049,"end":1623.5449,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.297352135181427},{"word":"you","start":1623.5449,"end":1623.705,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3491162061691284},{"word":"that","start":1623.705,"end":1623.945,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3002529442310333},{"word":"flexibility","start":1623.945,"end":1624.445,"confidence":1.0,"punctuated_word":"flexibility","sentiment":"neutral","sentiment_score":0.25193244218826294},{"word":"as","start":1624.6649,"end":1624.825,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3254113495349884},{"word":"well","start":1624.825,"end":1625.325,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.24847958981990817},{"word":"yep","start":1626.92,"end":1627.42,"confidence":0.9199219,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10694140195846558},{"word":"now","start":1628.44,"end":1628.76,"confidence":0.7519531,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07541021704673767},{"word":"do","start":1628.76,"end":1628.92,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07262707501649857},{"word":"you","start":1628.92,"end":1629.0,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08149415999650955},{"word":"have","start":1629.0,"end":1629.24,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08671309053897858},{"word":"questions","start":1629.24,"end":1629.64,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.06823022663593292},{"word":"in","start":1629.64,"end":1629.7999,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05777031183242798},{"word":"regards","start":1629.7999,"end":1630.2,"confidence":0.99902344,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.050756119191646576},{"word":"to","start":1630.2,"end":1630.36,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07326400279998779},{"word":"anything","start":1630.36,"end":1630.76,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.11091890186071396},{"word":"i","start":1630.76,"end":1630.84,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08148427307605743},{"word":"have","start":1630.84,"end":1631.08,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1056973785161972},{"word":"gone","start":1631.08,"end":1631.32,"confidence":1.0,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.1165781468153},{"word":"through","start":1631.32,"end":1631.64,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09845757484436037},{"word":"today","start":1631.64,"end":1632.14,"confidence":1.0,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.09626024216413498},{"word":"for","start":1647.575,"end":1648.075,"confidence":0.55126953,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.016451723873615265},{"word":"age","start":1648.695,"end":1648.935,"confidence":0.5522461,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.04640617594122887},{"word":"pension","start":1648.935,"end":1649.435,"confidence":0.9904785,"punctuated_word":"pension,","sentiment":"neutral","sentiment_score":0.014166885986924171},{"word":"do","start":1649.495,"end":1649.655,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.014051329344511032},{"word":"you","start":1649.655,"end":1649.735,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02930566668510437},{"word":"mean","start":1649.735,"end":1650.235,"confidence":0.99902344,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":0.0251837894320488},{"word":"mhmm","start":1658.71,"end":1659.21,"confidence":0.88916016,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.14749112725257874},{"word":"no","start":1660.9501,"end":1661.4501,"confidence":0.98706055,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1914372742176056},{"word":"sorry","start":1661.83,"end":1662.33,"confidence":0.8210449,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.1965654343366623},{"word":"no","start":1663.365,"end":1663.865,"confidence":0.99560547,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.5525110960006714},{"word":"correct","start":1665.125,"end":1665.625,"confidence":0.9970703,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":-0.0011974014341831207},{"word":"sorry","start":1665.765,"end":1666.245,"confidence":0.8352051,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.06511697173118591},{"word":"the","start":1666.245,"end":1666.405,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.13733385503292084},{"word":"choice","start":1666.405,"end":1666.645,"confidence":0.9970703,"punctuated_word":"choice","sentiment":"neutral","sentiment_score":0.2241208553314209},{"word":"is","start":1666.645,"end":1666.885,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.32760196924209595},{"word":"completely","start":1666.885,"end":1667.385,"confidence":1.0,"punctuated_word":"completely","sentiment":"positive","sentiment_score":0.41243723034858704},{"word":"up","start":1667.4451,"end":1667.685,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.36959776282310486},{"word":"to","start":1667.685,"end":1667.845,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3775492012500763},{"word":"you","start":1667.845,"end":1668.0851,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2741355001926422},{"word":"now","start":1668.0851,"end":1668.3251,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.22329887747764587},{"word":"if","start":1668.3251,"end":1668.5651,"confidence":0.99121094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.24212434887886047},{"word":"you","start":1668.5651,"end":1668.725,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2907871603965759},{"word":"decided","start":1668.725,"end":1669.125,"confidence":0.9921875,"punctuated_word":"decided","sentiment":"neutral","sentiment_score":0.3148868978023529},{"word":"that","start":1669.125,"end":1669.365,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2308867573738098},{"word":"you","start":1669.365,"end":1669.525,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2936567962169647},{"word":"wanna","start":1669.525,"end":1669.845,"confidence":0.99121094,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.3536951541900635},{"word":"retire","start":1669.845,"end":1670.345,"confidence":0.9902344,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.18236398696899417},{"word":"today","start":1670.405,"end":1670.905,"confidence":0.9980469,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.29752784967422485},{"word":"as","start":1671.365,"end":1671.605,"confidence":0.62597656,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.29907912015914917},{"word":"you","start":1671.605,"end":1671.685,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29258590936660767},{"word":"have","start":1671.685,"end":1671.925,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24640120565891263},{"word":"turned","start":1671.925,"end":1672.165,"confidence":0.7729492,"punctuated_word":"turned","sentiment":"neutral","sentiment_score":0.22893351316452024},{"word":"60","start":1672.165,"end":1672.645,"confidence":0.99902344,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.246060311794281},{"word":"you","start":1672.645,"end":1672.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2771129012107849},{"word":"could","start":1672.805,"end":1673.125,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.3158920407295227},{"word":"realistically","start":1673.125,"end":1673.625,"confidence":0.9970703,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":0.26139527559280396},{"word":"take","start":1673.845,"end":1674.0851,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.2552779018878937},{"word":"everything","start":1674.0851,"end":1674.485,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2241598665714264},{"word":"completely","start":1674.485,"end":1674.9651,"confidence":0.99902344,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.21493062376976013},{"word":"tax","start":1674.9651,"end":1675.285,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.23836608231067655},{"word":"free","start":1675.285,"end":1675.785,"confidence":0.97021484,"punctuated_word":"free.","sentiment":"neutral","sentiment_score":0.18629446625709536},{"word":"if","start":1677.2001,"end":1677.36,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1685991883277893},{"word":"you","start":1677.36,"end":1677.6,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16058389842510223},{"word":"are","start":1677.6,"end":1677.92,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.15031564235687256},{"word":"still","start":1677.92,"end":1678.3201,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.11656653881072998},{"word":"working","start":1678.3201,"end":1678.8201,"confidence":0.9951172,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":0.12128902226686478},{"word":"there","start":1679.6,"end":1679.76,"confidence":0.7158203,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.14193981885910034},{"word":"are","start":1679.76,"end":1680.0,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08691129833459854},{"word":"restrictions","start":1680.0,"end":1680.5,"confidence":1.0,"punctuated_word":"restrictions","sentiment":"neutral","sentiment_score":0.03333049267530441},{"word":"between","start":1680.72,"end":1681.04,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.07425647974014282},{"word":"60","start":1681.04,"end":1681.4401,"confidence":0.9980469,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.039220936596393585},{"word":"and","start":1681.4401,"end":1681.68,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03030606359243393},{"word":"65","start":1681.68,"end":1682.5801,"confidence":0.84729004,"punctuated_word":"65.","sentiment":"neutral","sentiment_score":0.05543306842446327},{"word":"in","start":1682.9601,"end":1683.4401,"confidence":0.9760742,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.0843871459364891},{"word":"that","start":1683.4401,"end":1683.76,"confidence":0.9423828,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1269581913948059},{"word":"you","start":1683.76,"end":1683.92,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1894049346446991},{"word":"can","start":1683.92,"end":1684.16,"confidence":0.99316406,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1827799379825592},{"word":"take","start":1684.16,"end":1684.4,"confidence":0.9873047,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.20604529976844788},{"word":"up","start":1684.4,"end":1684.64,"confidence":0.99316406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1529025435447693},{"word":"to","start":1684.64,"end":1684.9601,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15472501516342163},{"word":"10%","start":1684.9601,"end":1685.86,"confidence":0.9926758,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.21406406164169312},{"word":"tax","start":1686.16,"end":1686.48,"confidence":0.9921875,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.29225167632102966},{"word":"free","start":1686.48,"end":1686.98,"confidence":0.9465332,"punctuated_word":"free.","sentiment":"neutral","sentiment_score":0.16218674182891846},{"word":"after","start":1687.68,"end":1688.18,"confidence":0.94970703,"punctuated_word":"After","sentiment":"neutral","sentiment_score":0.13846150040626526},{"word":"65","start":1688.415,"end":1688.895,"confidence":0.96972656,"punctuated_word":"65,","sentiment":"neutral","sentiment_score":0.17709079384803772},{"word":"there","start":1688.895,"end":1689.135,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2063060998916626},{"word":"is","start":1689.135,"end":1689.375,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18138329684734344},{"word":"no","start":1689.375,"end":1689.615,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.1594868153333664},{"word":"restrictions","start":1689.615,"end":1690.115,"confidence":0.99121094,"punctuated_word":"restrictions","sentiment":"neutral","sentiment_score":-0.06301148980855942},{"word":"on","start":1690.175,"end":1690.415,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08468649536371231},{"word":"how","start":1690.415,"end":1690.5751,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.06133720278739929},{"word":"much","start":1690.5751,"end":1690.8151,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.08124465495347977},{"word":"you","start":1690.8151,"end":1691.055,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1483767330646515},{"word":"can","start":1691.055,"end":1691.2151,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11960814893245696},{"word":"take","start":1691.2151,"end":1691.4551,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.053774312138557434},{"word":"out","start":1691.4551,"end":1691.775,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0901848077774048},{"word":"if","start":1691.775,"end":1691.935,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13286146521568298},{"word":"you","start":1691.935,"end":1692.0951,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14552569389343262},{"word":"are","start":1692.0951,"end":1692.3351,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.13644662499427795},{"word":"still","start":1692.3351,"end":1692.5751,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.06598378717899323},{"word":"working","start":1692.5751,"end":1693.0751,"confidence":0.99560547,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":0.05386429652571678},{"word":"but","start":1693.295,"end":1693.375,"confidence":0.5151367,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.16631919145584106},{"word":"like","start":1693.375,"end":1693.615,"confidence":0.91259766,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.22192588448524475},{"word":"i","start":1693.615,"end":1693.6951,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22808390855789185},{"word":"said","start":1693.6951,"end":1693.935,"confidence":0.9995117,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.2232957184314728},{"word":"if","start":1693.935,"end":1694.0951,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.22477461397647855},{"word":"you","start":1694.0951,"end":1694.255,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1939261257648468},{"word":"decide","start":1694.255,"end":1694.735,"confidence":1.0,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.17612090706825256},{"word":"tomorrow","start":1694.735,"end":1695.235,"confidence":0.99902344,"punctuated_word":"tomorrow","sentiment":"neutral","sentiment_score":0.11733007431030272},{"word":"to","start":1695.295,"end":1695.6951,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02437596023082733},{"word":"stop","start":1695.6951,"end":1696.015,"confidence":0.9980469,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":0.03317418694496155},{"word":"working","start":1696.015,"end":1696.415,"confidence":0.9995117,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":0.11422615498304368},{"word":"you","start":1696.415,"end":1696.495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27717188000679016},{"word":"can","start":1696.495,"end":1696.735,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2583550810813904},{"word":"take","start":1696.735,"end":1697.055,"confidence":0.98095703,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.19779282808303833},{"word":"everything","start":1697.055,"end":1697.555,"confidence":0.9995117,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.17603054642677307},{"word":"you","start":1698.0951,"end":1698.255,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.2858606278896332},{"word":"can","start":1698.255,"end":1698.5751,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.32074809074401855},{"word":"decide","start":1698.5751,"end":1699.055,"confidence":1.0,"punctuated_word":"decide","sentiment":"positive","sentiment_score":0.3730030059814453},{"word":"how","start":1699.055,"end":1699.295,"confidence":1.0,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.38066020607948303},{"word":"you","start":1699.295,"end":1699.4551,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.42033690214157104},{"word":"want","start":1699.4551,"end":1699.775,"confidence":1.0,"punctuated_word":"want","sentiment":"positive","sentiment_score":0.356065571308136},{"word":"to","start":1699.775,"end":1699.935,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.36812466382980347},{"word":"take","start":1699.935,"end":1700.175,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.3102433681488037},{"word":"it","start":1700.175,"end":1700.415,"confidence":0.99902344,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2955753803253174},{"word":"you","start":1700.415,"end":1700.5751,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.2663322389125824},{"word":"can","start":1700.5751,"end":1700.8151,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.27159568667411804},{"word":"take","start":1700.8151,"end":1700.9751,"confidence":1.0,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.35444819927215576},{"word":"it","start":1700.9751,"end":1701.135,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3453073501586914},{"word":"all","start":1701.135,"end":1701.295,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.3125968873500824},{"word":"as","start":1701.295,"end":1701.4551,"confidence":0.9892578,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3680213391780853},{"word":"a","start":1701.4551,"end":1701.615,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35062897205352783},{"word":"lump","start":1701.615,"end":1701.935,"confidence":1.0,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.19292639195919037},{"word":"sum","start":1701.935,"end":1702.435,"confidence":0.83740234,"punctuated_word":"sum,","sentiment":"neutral","sentiment_score":0.26968106627464294},{"word":"or","start":1702.6699,"end":1702.99,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2601085305213928},{"word":"what","start":1702.99,"end":1703.07,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.25503838062286377},{"word":"most","start":1703.07,"end":1703.47,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.2760252356529236},{"word":"people","start":1703.47,"end":1703.7899,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.29569584131240845},{"word":"do","start":1703.7899,"end":1704.11,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.24122603237628937},{"word":"is","start":1704.11,"end":1704.35,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.301431268453598},{"word":"to","start":1704.35,"end":1704.59,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2369386255741119},{"word":"just","start":1704.59,"end":1704.9099,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2790447473526001},{"word":"draw","start":1704.9099,"end":1705.4099,"confidence":1.0,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.23519770801067352},{"word":"an","start":1705.71,"end":1705.95,"confidence":0.7416992,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.20264780521392825},{"word":"income","start":1705.95,"end":1706.45,"confidence":0.9016113,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.20773017406463623},{"word":"because","start":1706.6699,"end":1706.9099,"confidence":0.99902344,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.2775937020778656},{"word":"by","start":1706.9099,"end":1707.15,"confidence":0.99902344,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.3370441198348999},{"word":"drawing","start":1707.15,"end":1707.5499,"confidence":1.0,"punctuated_word":"drawing","sentiment":"positive","sentiment_score":0.40486031770706177},{"word":"an","start":1707.5499,"end":1707.7899,"confidence":1.0,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.42265626788139343},{"word":"income","start":1707.7899,"end":1708.2899,"confidence":0.99902344,"punctuated_word":"income,","sentiment":"positive","sentiment_score":0.3930971324443817},{"word":"it","start":1708.6699,"end":1708.83,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4158230423927307},{"word":"gives","start":1708.83,"end":1709.07,"confidence":1.0,"punctuated_word":"gives","sentiment":"positive","sentiment_score":0.383430153131485},{"word":"you","start":1709.07,"end":1709.23,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4000134766101837},{"word":"more","start":1709.23,"end":1709.47,"confidence":0.85668945,"punctuated_word":"more,","sentiment":"positive","sentiment_score":0.4115060567855835},{"word":"obviously","start":1709.47,"end":1709.97,"confidence":0.9975586,"punctuated_word":"obviously,","sentiment":"positive","sentiment_score":0.5369672775268555},{"word":"flexibility","start":1710.0299,"end":1710.5299,"confidence":0.97680664,"punctuated_word":"flexibility,","sentiment":"positive","sentiment_score":0.4797636866569519},{"word":"but","start":1710.75,"end":1710.99,"confidence":1.0,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.45682233572006226},{"word":"it","start":1710.99,"end":1711.15,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4794030785560608},{"word":"also","start":1711.15,"end":1711.5499,"confidence":1.0,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.4786437153816223},{"word":"ensures","start":1711.5499,"end":1712.0299,"confidence":0.9951172,"punctuated_word":"ensures","sentiment":"positive","sentiment_score":0.4059974551200866},{"word":"that","start":1712.0299,"end":1712.35,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.42552998661994934},{"word":"the","start":1712.35,"end":1712.51,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4701120853424072},{"word":"rest","start":1712.51,"end":1712.75,"confidence":1.0,"punctuated_word":"rest","sentiment":"positive","sentiment_score":0.4195552468299866},{"word":"of","start":1712.75,"end":1712.9099,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4742663204669952},{"word":"the","start":1712.9099,"end":1713.07,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.40939047932624817},{"word":"money","start":1713.07,"end":1713.57,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.3827430307865143},{"word":"that","start":1713.71,"end":1713.95,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4528632164001465},{"word":"you","start":1713.95,"end":1714.11,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3967462480068207},{"word":"haven't","start":1714.11,"end":1714.51,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"positive","sentiment_score":0.3632086813449859},{"word":"taken","start":1714.51,"end":1714.75,"confidence":1.0,"punctuated_word":"taken","sentiment":"positive","sentiment_score":0.35345593094825745},{"word":"out","start":1714.75,"end":1714.99,"confidence":0.7512207,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.2990574836730957},{"word":"instead","start":1714.99,"end":1715.23,"confidence":1.0,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.22294192016124725},{"word":"of","start":1715.23,"end":1715.39,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2012409865856171},{"word":"it","start":1715.39,"end":1715.5499,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2630809545516968},{"word":"being","start":1715.5499,"end":1715.7899,"confidence":0.90063477,"punctuated_word":"being,","sentiment":"neutral","sentiment_score":0.2373291552066803},{"word":"like","start":1715.7899,"end":1716.0299,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2164478898048401},{"word":"in","start":1716.0299,"end":1716.19,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22443342208862305},{"word":"a","start":1716.19,"end":1716.27,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25300997495651245},{"word":"in","start":1716.27,"end":1716.4299,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.25572896003723145},{"word":"a","start":1716.4299,"end":1716.59,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26455575227737427},{"word":"cash","start":1716.59,"end":1716.83,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.21982654929161072},{"word":"account","start":1716.83,"end":1717.33,"confidence":0.9980469,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.28234750032424927},{"word":"it","start":1717.815,"end":1717.975,"confidence":0.99609375,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.427702397108078},{"word":"will","start":1717.975,"end":1718.2949,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.3732700049877167},{"word":"continue","start":1718.2949,"end":1718.695,"confidence":1.0,"punctuated_word":"continue","sentiment":"positive","sentiment_score":0.4001733362674713},{"word":"to","start":1718.695,"end":1718.9349,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3722684383392334},{"word":"be","start":1718.9349,"end":1719.095,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4190249741077423},{"word":"invested","start":1719.095,"end":1719.495,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.31780824065208435},{"word":"and","start":1719.495,"end":1719.735,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3990855216979981},{"word":"continue","start":1719.735,"end":1720.215,"confidence":0.9707031,"punctuated_word":"continue","sentiment":"positive","sentiment_score":0.5046774744987488},{"word":"to","start":1720.215,"end":1720.455,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4824922978878021},{"word":"grow","start":1720.455,"end":1720.955,"confidence":0.99902344,"punctuated_word":"grow.","sentiment":"positive","sentiment_score":0.34982335567474365},{"word":"you","start":1721.4149,"end":1721.575,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1309304237365723},{"word":"can","start":1721.575,"end":1721.815,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16994652152061462},{"word":"obviously","start":1721.815,"end":1722.2949,"confidence":0.9589844,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.12541653215885162},{"word":"adjust","start":1722.2949,"end":1722.7949,"confidence":1.0,"punctuated_word":"adjust","sentiment":"neutral","sentiment_score":0.20559179782867432},{"word":"how","start":1723.095,"end":1723.335,"confidence":0.9370117,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1957848221063614},{"word":"much","start":1723.335,"end":1723.6549,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.20898741483688352},{"word":"you","start":1723.6549,"end":1723.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.192580908536911},{"word":"want","start":1723.815,"end":1724.0549,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.16062797605991364},{"word":"to","start":1724.0549,"end":1724.215,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12584570050239563},{"word":"take","start":1724.215,"end":1724.455,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.10935066640377045},{"word":"out","start":1724.455,"end":1724.855,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.13756169378757477},{"word":"depending","start":1724.855,"end":1725.335,"confidence":0.9892578,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.22031570971012115},{"word":"on","start":1725.335,"end":1725.835,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.21874673664569855},{"word":"your","start":1726.0549,"end":1726.2949,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16707801818847656},{"word":"life","start":1726.2949,"end":1726.615,"confidence":0.8540039,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.15712279081344604},{"word":"situation","start":1726.615,"end":1727.115,"confidence":0.99316406,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":0.1884106546640396},{"word":"and","start":1727.1749,"end":1727.4149,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15707218647003174},{"word":"what","start":1727.4149,"end":1727.575,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10229846835136414},{"word":"is","start":1727.575,"end":1727.735,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11953787505626678},{"word":"going","start":1727.735,"end":1727.975,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.16336773335933685},{"word":"on","start":1727.975,"end":1728.475,"confidence":0.9995117,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.13245487213134766},{"word":"yeah","start":1731.35,"end":1731.6699,"confidence":0.7034912,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13831853866577148},{"word":"this","start":1731.6699,"end":1731.9099,"confidence":0.3840332,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.1591051071882248},{"word":"yeah","start":1732.47,"end":1732.97,"confidence":0.7883301,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08210219442844391},{"word":"mhmm","start":1736.5499,"end":1737.0499,"confidence":0.85321045,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.007093226537108421},{"word":"mhmm","start":1745.525,"end":1746.025,"confidence":0.9863281,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0010138154029846191},{"word":"mhmm","start":1757.94,"end":1758.44,"confidence":0.9301758,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.000765698030591011},{"word":"yeah","start":1760.1,"end":1760.6,"confidence":0.935791,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.024606529623270035},{"word":"yes","start":1762.98,"end":1763.3,"confidence":0.5830078,"punctuated_word":"Yes","sentiment":"neutral","sentiment_score":0.04043958708643913},{"word":"and","start":1763.3,"end":1763.62,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02278919890522957},{"word":"no","start":1763.62,"end":1764.12,"confidence":0.9946289,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.04070877656340599},{"word":"not","start":1764.66,"end":1765.14,"confidence":0.99902344,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.07720553874969482},{"word":"typically","start":1765.14,"end":1765.64,"confidence":0.4375,"punctuated_word":"typically","sentiment":"neutral","sentiment_score":-0.0346047505736351},{"word":"because","start":1766.02,"end":1766.34,"confidence":0.8510742,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.05848442763090134},{"word":"it","start":1766.34,"end":1766.58,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.027249619364738464},{"word":"is","start":1766.58,"end":1766.98,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09537976235151292},{"word":"designed","start":1766.98,"end":1767.48,"confidence":0.9716797,"punctuated_word":"designed","sentiment":"neutral","sentiment_score":-0.0749785453081131},{"word":"to","start":1768.42,"end":1768.92,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06888311356306076},{"word":"provide","start":1769.845,"end":1770.245,"confidence":1.0,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":-0.02040383219718933},{"word":"for","start":1770.245,"end":1770.4049,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.022624023258686066},{"word":"each","start":1770.4049,"end":1770.6449,"confidence":1.0,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.026869893074035645},{"word":"of","start":1770.6449,"end":1770.8849,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01821393519639969},{"word":"your","start":1770.8849,"end":1771.205,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.00013720989227294922},{"word":"retirement","start":1771.205,"end":1771.705,"confidence":0.96240234,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":-0.03705843538045883},{"word":"now","start":1772.4049,"end":1772.8049,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.033265601843595505},{"word":"if","start":1772.8049,"end":1773.205,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.059040095657110214},{"word":"you","start":1773.205,"end":1773.605,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09298181533813477},{"word":"wanted","start":1773.605,"end":1774.105,"confidence":0.99902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.09352456033229828},{"word":"1com","start":1774.245,"end":1775.0449,"confidence":0.86572266,"punctuated_word":"1com","sentiment":"neutral","sentiment_score":0.08038726449012756},{"word":"combined","start":1775.205,"end":1775.705,"confidence":0.99902344,"punctuated_word":"combined","sentiment":"neutral","sentiment_score":0.10985568165779114},{"word":"super","start":1775.845,"end":1776.245,"confidence":0.9707031,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.13261808454990387},{"word":"fund","start":1776.245,"end":1776.6449,"confidence":0.93359375,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.10648833960294724},{"word":"the","start":1776.6449,"end":1776.8849,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10551302134990692},{"word":"only","start":1776.8849,"end":1777.205,"confidence":0.99902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.0626450851559639},{"word":"way","start":1777.205,"end":1777.445,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.07816895097494125},{"word":"to","start":1777.445,"end":1777.7649,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07445217669010162},{"word":"do","start":1777.7649,"end":1778.085,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07897046953439713},{"word":"that","start":1778.085,"end":1778.585,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10226627439260484},{"word":"is","start":1778.965,"end":1779.205,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0815017819404602},{"word":"through","start":1779.205,"end":1779.445,"confidence":0.9716797,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08356297016143799},{"word":"a","start":1779.445,"end":1779.5249,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08883698284626007},{"word":"self","start":1779.5249,"end":1779.9249,"confidence":1.0,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.10937345027923584},{"word":"managed","start":1779.9249,"end":1780.4049,"confidence":0.9404297,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.1312924176454544},{"word":"super","start":1780.4049,"end":1780.8849,"confidence":0.9970703,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.10867871344089508},{"word":"fund","start":1780.8849,"end":1781.3849,"confidence":0.63964844,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.0961390882730484},{"word":"because","start":1781.5399,"end":1781.7,"confidence":0.74658203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06899215281009674},{"word":"then","start":1781.7,"end":1781.86,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12087924033403397},{"word":"you","start":1781.86,"end":1781.94,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13198283314704895},{"word":"can","start":1781.94,"end":1782.1799,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11913903057575226},{"word":"have","start":1782.1799,"end":1782.4199,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09784795343875884},{"word":"two","start":1782.4199,"end":1782.74,"confidence":0.9760742,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.016052596271038055},{"word":"trustees","start":1782.74,"end":1783.24,"confidence":0.96435547,"punctuated_word":"trustees.","sentiment":"neutral","sentiment_score":0.020778905600309372},{"word":"so","start":1783.46,"end":1783.7799,"confidence":0.88964844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07175454497337341},{"word":"yeah","start":1783.86,"end":1784.36,"confidence":0.99853516,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.017998645082116127},{"word":"there","start":1785.38,"end":1785.5399,"confidence":0.7163086,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.07077339291572571},{"word":"is","start":1785.5399,"end":1785.86,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07080674916505814},{"word":"ways","start":1785.86,"end":1786.26,"confidence":0.9970703,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.12638677656650543},{"word":"where","start":1786.26,"end":1786.5,"confidence":0.97509766,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.11265416443347932},{"word":"you","start":1786.5,"end":1786.74,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09841278940439224},{"word":"can","start":1786.74,"end":1787.24,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12021627277135848},{"word":"move","start":1787.7,"end":1788.1799,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.09639133512973784},{"word":"money","start":1788.1799,"end":1788.6799,"confidence":0.9838867,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.08410437405109406},{"word":"so","start":1788.98,"end":1789.2999,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09749746322631836},{"word":"let's","start":1789.2999,"end":1789.62,"confidence":0.9812012,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.08005642890930176},{"word":"say","start":1789.62,"end":1790.12,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.06471017748117447},{"word":"you","start":1790.1799,"end":1790.6599,"confidence":0.71484375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0883568599820137},{"word":"could","start":1790.6599,"end":1790.82,"confidence":0.9980469,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.08279069513082504},{"word":"like","start":1791.0599,"end":1791.22,"confidence":0.98583984,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06293607503175735},{"word":"if","start":1791.22,"end":1791.46,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0741686075925827},{"word":"kathy","start":1791.46,"end":1791.7799,"confidence":0.61376953,"punctuated_word":"Kathy","sentiment":"neutral","sentiment_score":0.05322887748479843},{"word":"decides","start":1791.7799,"end":1792.26,"confidence":0.75,"punctuated_word":"decides,","sentiment":"neutral","sentiment_score":0.06095852702856064},{"word":"obviously","start":1792.26,"end":1792.6599,"confidence":0.99365234,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.06275758892297745},{"word":"she","start":1792.6599,"end":1792.74,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.06759814918041229},{"word":"would","start":1792.74,"end":1792.98,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06991533935070038},{"word":"have","start":1792.98,"end":1793.14,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05550750344991684},{"word":"to","start":1793.14,"end":1793.2999,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06487084180116653},{"word":"keep","start":1793.2999,"end":1793.46,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.053864672780036926},{"word":"her","start":1793.46,"end":1793.7,"confidence":1.0,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.05896911770105362},{"word":"own","start":1793.7,"end":1794.02,"confidence":1.0,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.05681293457746506},{"word":"super","start":1794.02,"end":1794.4199,"confidence":0.9921875,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.06586175411939621},{"word":"fund","start":1794.4199,"end":1794.765,"confidence":0.9145508,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.06974813342094421},{"word":"but","start":1795.085,"end":1795.245,"confidence":0.9902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07206334918737411},{"word":"she","start":1795.245,"end":1795.5651,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.08471164107322693},{"word":"could","start":1795.5651,"end":1795.885,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.08898558467626572},{"word":"transfer","start":1795.885,"end":1796.365,"confidence":1.0,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.07723619043827057},{"word":"money","start":1796.365,"end":1796.685,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.06066957861185074},{"word":"to","start":1796.685,"end":1796.925,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08894951641559601},{"word":"you","start":1796.925,"end":1797.165,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08465196192264557},{"word":"and","start":1797.165,"end":1797.485,"confidence":0.96777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04594159126281738},{"word":"vice","start":1797.485,"end":1797.965,"confidence":0.9980469,"punctuated_word":"vice","sentiment":"neutral","sentiment_score":0.062174998223781586},{"word":"versa","start":1797.965,"end":1798.465,"confidence":0.9970703,"punctuated_word":"versa","sentiment":"neutral","sentiment_score":0.07580608129501343},{"word":"through","start":1798.685,"end":1799.005,"confidence":0.9941406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06085079163312912},{"word":"different","start":1799.005,"end":1799.505,"confidence":0.9980469,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.06487402319908142},{"word":"spousal","start":1799.645,"end":1800.145,"confidence":0.9692383,"punctuated_word":"spousal","sentiment":"neutral","sentiment_score":0.0543023869395256},{"word":"contributions","start":1800.205,"end":1800.705,"confidence":0.8859863,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.04323363304138184},{"word":"but","start":1801.405,"end":1801.645,"confidence":0.9526367,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.047349464148283005},{"word":"there's","start":1801.645,"end":1801.805,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.04293242841959},{"word":"obviously","start":1801.805,"end":1802.205,"confidence":0.921875,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.0456450879573822},{"word":"a","start":1802.205,"end":1802.285,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.057909414172172546},{"word":"lot","start":1802.285,"end":1802.4451,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.06306909769773483},{"word":"to","start":1802.4451,"end":1802.605,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08062918484210968},{"word":"kind","start":1802.605,"end":1802.765,"confidence":0.8828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06330668926239014},{"word":"of","start":1802.765,"end":1803.005,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06257255375385284},{"word":"factor","start":1803.005,"end":1803.3251,"confidence":0.99902344,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.08849495649337769},{"word":"in","start":1803.3251,"end":1803.805,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07905307412147522},{"word":"whether","start":1803.805,"end":1804.125,"confidence":0.96972656,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.0792594850063324},{"word":"that","start":1804.125,"end":1804.365,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0980214923620224},{"word":"would","start":1804.365,"end":1804.605,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08639737963676453},{"word":"be","start":1804.605,"end":1805.105,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1041339635848999},{"word":"the","start":1805.405,"end":1805.725,"confidence":0.9111328,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07149715721607208},{"word":"best","start":1805.725,"end":1806.205,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.04632236808538437},{"word":"for","start":1806.205,"end":1806.4451,"confidence":0.9770508,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08454766869544983},{"word":"the","start":1806.4451,"end":1806.685,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10081538558006288},{"word":"two","start":1806.685,"end":1807.005,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.07371219992637634},{"word":"of","start":1807.005,"end":1807.165,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09415855258703232},{"word":"you","start":1807.165,"end":1807.665,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.06734012812376022},{"word":"yeah","start":1814.0,"end":1814.5,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05436982214450836},{"word":"yeah","start":1818.9601,"end":1819.4601,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15490809082984924},{"word":"yeah","start":1819.6001,"end":1820.1001,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17689108848571777},{"word":"well","start":1823.9951,"end":1824.2351,"confidence":0.875,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.3106485605239868},{"word":"at","start":1824.2351,"end":1824.395,"confidence":0.99902344,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3579771816730499},{"word":"least","start":1824.395,"end":1824.635,"confidence":1.0,"punctuated_word":"least","sentiment":"positive","sentiment_score":0.37960222363471985},{"word":"it's","start":1824.635,"end":1824.875,"confidence":0.9724121,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.456206738948822},{"word":"good","start":1824.875,"end":1825.035,"confidence":0.8215332,"punctuated_word":"good,","sentiment":"positive","sentiment_score":0.5352597236633301},{"word":"though","start":1825.035,"end":1825.275,"confidence":0.99658203,"punctuated_word":"though,","sentiment":"positive","sentiment_score":0.4386133849620819},{"word":"because","start":1825.275,"end":1825.5951,"confidence":0.99902344,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.3699273467063904},{"word":"you","start":1825.5951,"end":1825.755,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5517073273658752},{"word":"will","start":1825.755,"end":1826.0751,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.5668677687644958},{"word":"get","start":1826.0751,"end":1826.3151,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5542150735855103},{"word":"some","start":1826.3151,"end":1826.635,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.46024051308631897},{"word":"money","start":1826.635,"end":1826.9551,"confidence":0.7602539,"punctuated_word":"money,","sentiment":"positive","sentiment_score":0.501012921333313},{"word":"obviously","start":1826.9551,"end":1827.435,"confidence":0.99560547,"punctuated_word":"obviously,","sentiment":"positive","sentiment_score":0.4455624222755432},{"word":"by","start":1827.435,"end":1827.675,"confidence":1.0,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.41640347242355347},{"word":"working","start":1827.675,"end":1828.0751,"confidence":0.94921875,"punctuated_word":"working.","sentiment":"positive","sentiment_score":0.4087100923061371},{"word":"your","start":1828.0751,"end":1828.3151,"confidence":0.9970703,"punctuated_word":"Your","sentiment":"positive","sentiment_score":0.425246000289917},{"word":"employer","start":1828.3151,"end":1828.8151,"confidence":0.99902344,"punctuated_word":"employer","sentiment":"positive","sentiment_score":0.4323671460151672},{"word":"will","start":1828.875,"end":1829.1151,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.4614713788032532},{"word":"pay","start":1829.1151,"end":1829.3551,"confidence":1.0,"punctuated_word":"pay","sentiment":"positive","sentiment_score":0.4128213822841644},{"word":"a","start":1829.3551,"end":1829.435,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4924220740795135},{"word":"little","start":1829.435,"end":1829.675,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.35794296860694885},{"word":"bit","start":1829.675,"end":1829.9951,"confidence":0.99658203,"punctuated_word":"bit,","sentiment":"positive","sentiment_score":0.4472261667251587},{"word":"which","start":1829.9951,"end":1830.2351,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.46544912457466125},{"word":"obviously","start":1830.2351,"end":1830.635,"confidence":0.7792969,"punctuated_word":"obviously","sentiment":"positive","sentiment_score":0.4120432734489441},{"word":"will","start":1830.635,"end":1830.875,"confidence":0.9863281,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.5545656085014343},{"word":"will","start":1830.875,"end":1831.1151,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.5753907561302185},{"word":"help","start":1831.1151,"end":1831.6151,"confidence":1.0,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.5331586003303528},{"word":"as","start":1832.0751,"end":1832.2351,"confidence":0.84765625,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5212209224700928},{"word":"well","start":1832.2351,"end":1832.4751,"confidence":0.9926758,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.4794621467590332},{"word":"which","start":1832.4751,"end":1832.795,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.47390809655189514},{"word":"which","start":1832.795,"end":1833.035,"confidence":0.99902344,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.46906372904777527},{"word":"is","start":1833.035,"end":1833.275,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4370187819004059},{"word":"good","start":1833.275,"end":1833.775,"confidence":0.9921875,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.3074084520339966},{"word":"but","start":1836.1901,"end":1836.3501,"confidence":0.9616699,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.017349636182188988},{"word":"yeah","start":1836.3501,"end":1836.5901,"confidence":0.9995117,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.016646165400743484},{"word":"it","start":1836.5901,"end":1836.75,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02170834317803383},{"word":"is","start":1836.75,"end":1836.91,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03513262793421745},{"word":"a","start":1836.91,"end":1836.9901,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.037128835916519165},{"word":"good","start":1836.9901,"end":1837.15,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.01088172197341919},{"word":"question","start":1837.15,"end":1837.63,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.040181033313274384},{"word":"because","start":1837.63,"end":1837.79,"confidence":0.87060547,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.007442891597747803},{"word":"a","start":1837.79,"end":1837.9501,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.006918460130691528},{"word":"lot","start":1837.9501,"end":1838.1101,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.006431616842746735},{"word":"of","start":1838.1101,"end":1838.1901,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.002468198537826538},{"word":"people","start":1838.1901,"end":1838.51,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.0009401217103004456},{"word":"do","start":1838.51,"end":1838.75,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0151592455804348},{"word":"ask","start":1838.75,"end":1839.0701,"confidence":0.8100586,"punctuated_word":"ask.","sentiment":"neutral","sentiment_score":-0.017200125381350517},{"word":"but","start":1839.0701,"end":1839.2301,"confidence":0.9875488,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.11681659519672394},{"word":"yeah","start":1839.2301,"end":1839.4701,"confidence":0.9980469,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.18517544865608215},{"word":"unfortunately","start":1839.4701,"end":1839.9701,"confidence":0.9020996,"punctuated_word":"unfortunately,","sentiment":"neutral","sentiment_score":-0.23350846767425537},{"word":"because","start":1840.03,"end":1840.27,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2183837890625},{"word":"it's","start":1840.27,"end":1840.77,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.3037768006324768},{"word":"designed","start":1841.15,"end":1841.63,"confidence":0.99316406,"punctuated_word":"designed","sentiment":"negative","sentiment_score":-0.39356938004493713},{"word":"to","start":1841.63,"end":1841.79,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.35024818778038025},{"word":"obviously","start":1841.79,"end":1842.29,"confidence":0.8120117,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.25148701667785645},{"word":"provide","start":1842.3501,"end":1842.8301,"confidence":0.9970703,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":-0.2736668288707733},{"word":"for","start":1842.8301,"end":1842.9901,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.22721053659915924},{"word":"your","start":1842.9901,"end":1843.39,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.29008764028549194},{"word":"individual","start":1843.39,"end":1843.89,"confidence":1.0,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":-0.20925626158714297},{"word":"retirement","start":1844.27,"end":1844.77,"confidence":0.8586426,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":-0.2464078664779663},{"word":"yeah","start":1846.75,"end":1847.0701,"confidence":0.9824219,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08753543347120285},{"word":"at","start":1847.0701,"end":1847.2301,"confidence":1.0,"punctuated_word":"At","sentiment":"neutral","sentiment_score":-0.14417947828769684},{"word":"least","start":1847.2301,"end":1847.4701,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.1446913480758667},{"word":"at","start":1847.4701,"end":1847.55,"confidence":0.95166016,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.14624668657779694},{"word":"the","start":1847.55,"end":1847.7101,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14855211973190308},{"word":"moment","start":1847.7101,"end":1848.1101,"confidence":0.9909668,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.1540987491607666},{"word":"that's","start":1848.1101,"end":1848.43,"confidence":0.96850586,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.18965035676956177},{"word":"that's","start":1848.43,"end":1848.67,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.17621076107025146},{"word":"the","start":1848.67,"end":1848.8301,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1915869116783142},{"word":"rule","start":1848.8301,"end":1849.3301,"confidence":0.91845703,"punctuated_word":"rule.","sentiment":"neutral","sentiment_score":-0.16386929154396057},{"word":"a","start":1855.555,"end":1855.635,"confidence":0.86328125,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.14261484146118164},{"word":"bit","start":1855.635,"end":1855.795,"confidence":0.9873047,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.20948047935962677},{"word":"messy","start":1855.795,"end":1856.275,"confidence":0.99609375,"punctuated_word":"messy","sentiment":"neutral","sentiment_score":-0.2324394732713699},{"word":"sometimes","start":1856.275,"end":1856.775,"confidence":0.9707031,"punctuated_word":"sometimes.","sentiment":"neutral","sentiment_score":-0.2315293848514557},{"word":"yes","start":1858.275,"end":1858.775,"confidence":0.95703125,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.015045136213302612},{"word":"yeah","start":1864.77,"end":1865.27,"confidence":0.7519531,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010000288486480711},{"word":"exactly","start":1865.41,"end":1865.91,"confidence":0.99853516,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.032043203711509705},{"word":"now","start":1867.17,"end":1867.57,"confidence":0.73779297,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06348757445812225},{"word":"do","start":1867.57,"end":1867.73,"confidence":0.9370117,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03902875632047653},{"word":"you","start":1867.73,"end":1867.89,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04884526878595352},{"word":"guys","start":1867.89,"end":1868.13,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.07643486559391022},{"word":"have","start":1868.13,"end":1868.45,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06095763295888901},{"word":"any","start":1868.45,"end":1868.61,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.05594760924577713},{"word":"other","start":1868.61,"end":1868.85,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.049924585968256},{"word":"questions","start":1868.85,"end":1869.25,"confidence":0.9980469,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.06335294246673584},{"word":"for","start":1869.25,"end":1869.41,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06237801909446716},{"word":"me","start":1869.41,"end":1869.57,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06593312323093414},{"word":"before","start":1869.57,"end":1869.89,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.0728139728307724},{"word":"i","start":1869.89,"end":1870.13,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07643008232116699},{"word":"let","start":1870.13,"end":1870.37,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.11079365760087968},{"word":"you","start":1870.37,"end":1870.45,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09180419147014618},{"word":"go","start":1870.45,"end":1870.53,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.14463163912296295},{"word":"and","start":1870.53,"end":1870.77,"confidence":0.9589844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1352279931306839},{"word":"enjoy","start":1870.77,"end":1871.01,"confidence":0.99902344,"punctuated_word":"enjoy","sentiment":"neutral","sentiment_score":0.16444791853427887},{"word":"the","start":1871.01,"end":1871.17,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1908608675003052},{"word":"rest","start":1871.17,"end":1871.33,"confidence":1.0,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.18529613316059113},{"word":"of","start":1871.33,"end":1871.49,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15766027569770813},{"word":"your","start":1871.49,"end":1871.65,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09729551523923874},{"word":"morning","start":1871.65,"end":1871.89,"confidence":0.74450684,"punctuated_word":"morning,","sentiment":"neutral","sentiment_score":0.10154666751623154},{"word":"otherwise","start":1871.89,"end":1872.39,"confidence":0.97021484,"punctuated_word":"otherwise?","sentiment":"neutral","sentiment_score":0.04499043524265289},{"word":"no","start":1874.29,"end":1874.79,"confidence":0.9812012,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":0.044565267860889435},{"word":"okay","start":1875.1849,"end":1875.6849,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11922217905521391},{"word":"perfect","start":1875.745,"end":1876.245,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.29730868339538574},{"word":"now","start":1877.345,"end":1877.585,"confidence":0.6123047,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.11173189431428908},{"word":"like","start":1877.585,"end":1877.825,"confidence":0.8125,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.11656413972377776},{"word":"i","start":1877.825,"end":1877.905,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1013028845191002},{"word":"said","start":1877.905,"end":1878.145,"confidence":0.99902344,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.10427290201187134},{"word":"peter","start":1878.145,"end":1878.465,"confidence":0.9975586,"punctuated_word":"Peter,","sentiment":"neutral","sentiment_score":0.09187667071819304},{"word":"i","start":1878.465,"end":1878.545,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11801715195178986},{"word":"do","start":1878.545,"end":1878.705,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12629708647727966},{"word":"have","start":1878.705,"end":1878.865,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1141919046640396},{"word":"you","start":1878.865,"end":1878.945,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09120708703994752},{"word":"booked","start":1878.945,"end":1879.265,"confidence":0.99609375,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.13439851999282837},{"word":"in","start":1879.265,"end":1879.505,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11856090277433395},{"word":"next","start":1879.505,"end":1879.825,"confidence":0.96972656,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.11727540194988252},{"word":"wednesday","start":1879.825,"end":1880.225,"confidence":0.8898926,"punctuated_word":"Wednesday,","sentiment":"neutral","sentiment_score":0.1292324960231781},{"word":"the","start":1880.225,"end":1880.465,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09729869663715364},{"word":"twenty","start":1880.465,"end":1880.865,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.11218199133872986},{"word":"second","start":1880.865,"end":1881.365,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.12937262654304504},{"word":"at","start":1881.425,"end":1881.665,"confidence":0.640625,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09547658264636992},{"word":"09:30am","start":1881.665,"end":1882.945,"confidence":0.99934894,"punctuated_word":"09:30AM","sentiment":"neutral","sentiment_score":0.1152740865945816},{"word":"to","start":1882.945,"end":1883.105,"confidence":0.7661133,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11271844059228896},{"word":"go","start":1883.105,"end":1883.345,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1243014559149742},{"word":"through","start":1883.345,"end":1883.585,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.13423672318458557},{"word":"that","start":1883.585,"end":1883.825,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1336233764886856},{"word":"research","start":1883.825,"end":1884.225,"confidence":1.0,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.09833474457263948},{"word":"with","start":1884.225,"end":1884.465,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12427472323179244},{"word":"you","start":1884.465,"end":1884.965,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11584743112325668},{"word":"in","start":1885.1849,"end":1885.425,"confidence":0.99902344,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.09481099247932434},{"word":"the","start":1885.425,"end":1885.665,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06628748029470444},{"word":"meantime","start":1885.665,"end":1886.165,"confidence":0.9995117,"punctuated_word":"meantime,","sentiment":"neutral","sentiment_score":0.06015648320317269},{"word":"if","start":1886.3049,"end":1886.465,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06609915941953659},{"word":"you","start":1886.465,"end":1886.625,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0569477304816246},{"word":"could","start":1886.625,"end":1886.865,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.057872988283634186},{"word":"have","start":1886.865,"end":1887.025,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0632588192820549},{"word":"a","start":1887.025,"end":1887.1849,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.060316301882267},{"word":"look","start":1887.1849,"end":1887.425,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02900286391377449},{"word":"through","start":1887.425,"end":1887.745,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0503338947892189},{"word":"that","start":1887.745,"end":1887.985,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05607440322637558},{"word":"email","start":1887.985,"end":1888.465,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.006854817271232605},{"word":"i","start":1888.465,"end":1888.545,"confidence":0.9741211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0497778058052063},{"word":"sent","start":1888.545,"end":1888.785,"confidence":0.9980469,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.022830527275800705},{"word":"through","start":1888.785,"end":1889.025,"confidence":0.9123535,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.03853602707386017},{"word":"have","start":1889.025,"end":1889.1849,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0591135211288929},{"word":"a","start":1889.1849,"end":1889.265,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04439600557088852},{"word":"look","start":1889.265,"end":1889.505,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0029249899089336395},{"word":"through","start":1889.505,"end":1889.745,"confidence":0.98535156,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0016522929072380066},{"word":"spam","start":1889.745,"end":1890.145,"confidence":0.9980469,"punctuated_word":"spam","sentiment":"neutral","sentiment_score":0.01731884479522705},{"word":"as","start":1890.145,"end":1890.3049,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06257042288780212},{"word":"well","start":1890.3049,"end":1890.75,"confidence":0.99902344,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.04646786674857139},{"word":"in","start":1891.07,"end":1891.23,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03827431425452232},{"word":"case","start":1891.23,"end":1891.47,"confidence":1.0,"punctuated_word":"case","sentiment":"neutral","sentiment_score":0.004938114434480667},{"word":"it","start":1891.47,"end":1891.71,"confidence":0.89453125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.017692040652036667},{"word":"does","start":1891.71,"end":1891.95,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.005804933607578278},{"word":"end","start":1891.95,"end":1892.19,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.008230876177549362},{"word":"up","start":1892.19,"end":1892.43,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.007679004222154617},{"word":"there","start":1892.43,"end":1892.91,"confidence":0.99902344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.07017591595649719},{"word":"if","start":1892.91,"end":1893.07,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1192064881324768},{"word":"you","start":1893.07,"end":1893.15,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11443957686424255},{"word":"have","start":1893.15,"end":1893.31,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09426912665367126},{"word":"any","start":1893.31,"end":1893.55,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.10945972055196762},{"word":"questions","start":1893.55,"end":1893.95,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.08380105346441269},{"word":"in","start":1893.95,"end":1894.11,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06636432558298111},{"word":"regards","start":1894.11,"end":1894.43,"confidence":0.99121094,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.05602290853857994},{"word":"to","start":1894.43,"end":1894.59,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0506851002573967},{"word":"the","start":1894.59,"end":1894.75,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03945883363485336},{"word":"document","start":1894.75,"end":1895.23,"confidence":0.9824219,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.0675320252776146},{"word":"just","start":1895.23,"end":1895.39,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06987875699996948},{"word":"send","start":1895.39,"end":1895.55,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.03535917401313782},{"word":"me","start":1895.55,"end":1895.71,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06758338212966919},{"word":"an","start":1895.71,"end":1895.87,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.028289582580327988},{"word":"email","start":1895.87,"end":1896.19,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.024834007024765015},{"word":"or","start":1896.19,"end":1896.43,"confidence":0.9790039,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04287604242563248},{"word":"give","start":1896.43,"end":1896.59,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.06452581286430359},{"word":"me","start":1896.59,"end":1896.91,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0749051570892334},{"word":"a","start":1896.91,"end":1896.99,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06784546375274658},{"word":"call","start":1896.99,"end":1897.49,"confidence":0.99853516,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.04187826067209244},{"word":"otherwise","start":1898.19,"end":1898.69,"confidence":0.96850586,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":0.05606140196323395},{"word":"if","start":1898.91,"end":1899.07,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06820882856845856},{"word":"you","start":1899.07,"end":1899.23,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07592464983463287},{"word":"are","start":1899.23,"end":1899.39,"confidence":0.48120117,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07007475197315216},{"word":"happy","start":1899.39,"end":1899.63,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.08428703248500824},{"word":"to","start":1899.63,"end":1899.79,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08866697549819946},{"word":"do","start":1899.79,"end":1899.95,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09450533986091614},{"word":"so","start":1899.95,"end":1900.19,"confidence":0.99853516,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.10299474000930786},{"word":"it","start":1900.19,"end":1900.35,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1286335438489914},{"word":"will","start":1900.35,"end":1900.59,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.12224368751049042},{"word":"just","start":1900.59,"end":1900.83,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10420532524585724},{"word":"ask","start":1900.83,"end":1901.07,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.08575469255447388},{"word":"for","start":1901.07,"end":1901.23,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06805212050676346},{"word":"your","start":1901.23,"end":1901.63,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0672544538974762},{"word":"signature","start":1901.63,"end":1902.13,"confidence":0.9970703,"punctuated_word":"signature.","sentiment":"neutral","sentiment_score":0.07239419966936111},{"word":"it","start":1902.27,"end":1902.51,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.14660046994686127},{"word":"automatically","start":1902.51,"end":1903.01,"confidence":1.0,"punctuated_word":"automatically","sentiment":"neutral","sentiment_score":0.1370490789413452},{"word":"comes","start":1903.15,"end":1903.47,"confidence":0.99609375,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.1374935358762741},{"word":"back","start":1903.47,"end":1903.63,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.14071856439113617},{"word":"to","start":1903.63,"end":1903.79,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13925842940807345},{"word":"us","start":1903.79,"end":1904.055,"confidence":0.9970703,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.15217939019203186},{"word":"so","start":1904.055,"end":1904.135,"confidence":0.9838867,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1560533195734024},{"word":"we","start":1904.135,"end":1904.2151,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15557381510734558},{"word":"can","start":1904.2151,"end":1904.4551,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1849500387907028},{"word":"get","start":1904.4551,"end":1904.535,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.21301628649234772},{"word":"that","start":1904.535,"end":1904.775,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18819013237953183},{"word":"all","start":1904.775,"end":1904.935,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2348637878894806},{"word":"loaded","start":1904.935,"end":1905.255,"confidence":1.0,"punctuated_word":"loaded","sentiment":"neutral","sentiment_score":0.28695642948150635},{"word":"and","start":1905.255,"end":1905.755,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2599574327468872},{"word":"sorted","start":1905.895,"end":1906.295,"confidence":0.88427734,"punctuated_word":"sorted","sentiment":"neutral","sentiment_score":0.26073312759399414},{"word":"for","start":1906.295,"end":1906.4551,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2580889165401459},{"word":"you","start":1906.4551,"end":1906.9551,"confidence":0.9746094,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.16766899824142456},{"word":"and","start":1907.255,"end":1907.495,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08184581249952316},{"word":"i","start":1907.495,"end":1907.655,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0990237295627594},{"word":"will","start":1907.655,"end":1908.155,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0920984223484993},{"word":"also","start":1908.2151,"end":1908.6151,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08039697259664536},{"word":"get","start":1908.6151,"end":1908.935,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1132790818810463},{"word":"the","start":1908.935,"end":1909.015,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09886134415864944},{"word":"team","start":1909.015,"end":1909.3351,"confidence":0.9970703,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.09525009244680405},{"word":"to","start":1909.3351,"end":1909.495,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12222988903522491},{"word":"email","start":1909.495,"end":1909.8151,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.10966887325048448},{"word":"you","start":1909.8151,"end":1910.055,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11349698156118392},{"word":"that","start":1910.055,"end":1910.2151,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12543834745883942},{"word":"lawyer","start":1910.2151,"end":1910.6951,"confidence":1.0,"punctuated_word":"lawyer","sentiment":"neutral","sentiment_score":0.0634000301361084},{"word":"information","start":1910.6951,"end":1911.1951,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.09722234308719636},{"word":"so","start":1911.255,"end":1911.415,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11478695273399352},{"word":"that","start":1911.415,"end":1911.655,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10918451845645905},{"word":"you","start":1911.655,"end":1911.8151,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08801283687353134},{"word":"have","start":1911.8151,"end":1911.9751,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11675848066806792},{"word":"it","start":1911.9751,"end":1912.4551,"confidence":0.97265625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0991971269249916},{"word":"on","start":1912.4551,"end":1912.6951,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.058840516954660416},{"word":"hand","start":1912.6951,"end":1913.1951,"confidence":0.9970703,"punctuated_word":"hand","sentiment":"neutral","sentiment_score":0.11028003692626952},{"word":"if","start":1913.895,"end":1914.055,"confidence":0.56884766,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13053017854690552},{"word":"that","start":1914.055,"end":1914.2151,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20840570330619812},{"word":"would","start":1914.2151,"end":1914.375,"confidence":0.99121094,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.14970064163208008},{"word":"be","start":1914.375,"end":1914.4551,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15348613262176514},{"word":"helpful","start":1914.4551,"end":1914.9551,"confidence":0.99365234,"punctuated_word":"helpful.","sentiment":"neutral","sentiment_score":0.14866195619106293},{"word":"yep","start":1917.0299,"end":1917.4299,"confidence":0.9069824,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.32808995246887207},{"word":"alright","start":1917.4299,"end":1917.9099,"confidence":0.9941406,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.5773740410804749},{"word":"beautiful","start":1917.9099,"end":1918.4099,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7502593994140625},{"word":"well","start":1918.63,"end":1918.87,"confidence":0.99902344,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.6857496500015259},{"word":"thank","start":1918.87,"end":1919.0299,"confidence":1.0,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.8602601885795593},{"word":"you","start":1919.0299,"end":1919.19,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.867216169834137},{"word":"so","start":1919.19,"end":1919.35,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8662124276161194},{"word":"much","start":1919.35,"end":1919.5099,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8923589587211609},{"word":"for","start":1919.5099,"end":1919.6699,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8665921688079834},{"word":"your","start":1919.6699,"end":1919.83,"confidence":0.9941406,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8427801132202148},{"word":"time","start":1919.83,"end":1920.07,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.8708269000053406},{"word":"this","start":1920.07,"end":1920.23,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.8503414988517761},{"word":"morning","start":1920.23,"end":1920.5499,"confidence":0.984375,"punctuated_word":"morning,","sentiment":"positive","sentiment_score":0.829982340335846},{"word":"the","start":1920.87,"end":1921.0299,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.8469953536987305},{"word":"two","start":1921.0299,"end":1921.2699,"confidence":1.0,"punctuated_word":"two","sentiment":"positive","sentiment_score":0.8154952526092529},{"word":"of","start":1921.2699,"end":1921.4299,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.8195551037788391},{"word":"you","start":1921.4299,"end":1921.6699,"confidence":0.9658203,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.7207748293876648},{"word":"and","start":1921.6699,"end":1921.99,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7497592568397522},{"word":"i","start":1921.99,"end":1922.1499,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.8090026378631592},{"word":"look","start":1922.1499,"end":1922.3899,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.7975239753723145},{"word":"forward","start":1922.3899,"end":1922.5499,"confidence":1.0,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.7692797780036926},{"word":"to","start":1922.5499,"end":1922.71,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7415183782577515},{"word":"speaking","start":1922.71,"end":1923.0299,"confidence":1.0,"punctuated_word":"speaking","sentiment":"positive","sentiment_score":0.7312696576118469},{"word":"with","start":1923.0299,"end":1923.19,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.7662975788116455},{"word":"you","start":1923.19,"end":1923.35,"confidence":0.99365234,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.6957467794418335},{"word":"peter","start":1923.35,"end":1923.6699,"confidence":0.98461914,"punctuated_word":"Peter,","sentiment":"positive","sentiment_score":0.562034010887146},{"word":"next","start":1923.6699,"end":1923.9099,"confidence":0.99902344,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.4752315282821655},{"word":"wednesday","start":1923.9099,"end":1924.4099,"confidence":1.0,"punctuated_word":"Wednesday.","sentiment":"positive","sentiment_score":0.576745867729187},{"word":"no","start":1926.6488,"end":1926.8888,"confidence":0.8276367,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.25836682319641113},{"word":"worries","start":1926.8888,"end":1927.3888,"confidence":1.0,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.25816839933395386},{"word":"we'll","start":1927.4489,"end":1927.6888,"confidence":0.96118164,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.19540074467658997},{"word":"speak","start":1927.6888,"end":1927.9288,"confidence":0.9980469,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.22634021937847135},{"word":"soon","start":1927.9288,"end":1928.4288,"confidence":0.9980469,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":0.23053887486457825},{"word":"bye","start":1930.1688,"end":1930.6688,"confidence":0.68115234,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.09374111890792848}],"paragraphs":{"transcript":"\nGood morning. Is this Peter? This is Veronica from Oakview Financial. How are you? That's good.\n\nI had you booked in this morning to go over your annual review. Is now still a good time for you? Okay. Yeah. As long as you're happy to still kind of talk while you're driving.\n\nYes. Okay. Perfect. I'll tryna make it quick for you. But before I do go any further, Peter, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nYep. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep. Perfect. That's exactly what I have here.\n\nNow before I do kind of jump into things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions that you might have or whether it's just a bit of an update and see where everything's at? Yeah. And have you started thinking a bit more concrete, like, when you think you want to retire or start accessing some of your superannuation. Okay. So kind of okay.\n\nSo the main focus is to kind of clear out the debt on the mortgage. And when you don't have that, obviously, over you, then potentially look through transition to retirement? Yeah. Yeah. Okay.\n\nPerfect. And, obviously, like you said, it does depend on how long you have left on the loan. But I do have here that, ideally, you wanna start drawing an income from super at 65. Do you still think that you might wanna transition a little bit? Yep.\n\nYep. Okay. Ideally. But, yeah, no. That's all good.\n\nAnd if you when you do start drawing a bit of an income from super, even if it's, like, part time, I have here that, ideally, about a thousand dollars per week would give you what you need to cover living expenses and everything like that. Do you think that's still achievable, or do you think you you will need to draw a bit more? Yep. Yep. Okay.\n\nPerfect. Now what I will do here quickly as well, Peter, is just to run through just a bit of an updated fact line just to see if there is anything major that has changed you for need to make any tweaks and changes to your advice. So just bear with me as I do go through this. Now when it comes to your personal information, I have you down here as married with no financial dependence. Is that correct?\n\nYes. And if yep. Yeah. They're but are they still at home or are they a bit older? No.\n\nOkay. Yeah. But sometimes gotta help a little bit, I get. I get that. Now next up, Kim.\n\nSo in the event that something would've happened to you and we, for some reason, cannot get in touch with you at all, I have Kathy nominated. Is that still the case? Perfect. Now I don't actually have a phone number at for her. Would do you know where that is at all?\n\nYeah. That's 428. Yep. Four five nine. Yep.\n\n450. Great. Perfect. Thank you so much for that. Employment wise, has any of that changed?\n\nAre you still doing, like, the labor and truck driving on the weekend? Still the same? Okay. And with your your laborer, do you do that full time as well? Yes.\n\nAnd what's your income roughly from that? Do you know? 1,800 per fortnight, and that is after tax? Yep. And with the truck driving, how often or how many hours would you say that you do on that roughly?\n\nOkay. But how Yeah. 300 awake? Yeah. Yeah.\n\nYeah. About the three 100. Yep. Yeah. And it that would be in, like, a a casual basis, I imagine.\n\nYep. Okay. Okay. Yeah. Okay.\n\nAnd both jobs, they pay you that standard 12 percent contribution into super. There's no, like, special enterprise bargain agreement or not just a standard. Okay. Beautiful. And are you making any additional contributions yourself or just that from your two employers?\n\nNope. That's all good. I do have here as well average expenses per week of about 1,300. Does that sound about right? A bit more like 15, or what do you reckon?\n\nAbout 15. And are you saving anything on, like, a weekly, monthly, or fortnightly basis? Basis? No. No.\n\nThat's all good. Yeah. Most people have the same, especially with all their living expenses and interest rates and everything at the moment. So not a lot of people are feeling the same. Asset wise, your property I have here last was died at about 400,000.\n\nSo roughly yeah. And mortgage was about 231 owing. Oh, beautiful. So you guys have made a pretty good progression on the loan, which is good. Do you also have the investment property as well?\n\nYep. Yep. And I have here that it yeah? No. I was gonna say I have here that it was died at about $1.50 with nothing owing on it.\n\nYeah. Okay. Now I also have here contents of about 100,000. Yep. And then a motor vehicle ride at about 60,000 with nothing owing.\n\nYep. And then a trailer a camper trailer of about 40,000. Yeah. And then a u roughly around that, you reckon? Yeah.\n\nYep. No. Alright. I'll just change it to 30. Obviously, they they do depreciate a little bit in value.\n\nAnd they use as well worth 15? Yep. Yep. Anything else that's changed us at Wise Peter in the last twelve months? None.\n\nAlright. Perfect. And when it comes to health and lifestyle, I have you down here as a non smoker and no significant health issues or injuries. Is that the case? Yep.\n\nBeautiful. And do you have private health insurance? No. And when it comes to estate planning, do you know if you have a will or power of attorney in place? No.\n\nOkay. So kind of on the to do list. And okay. Yes. Yeah.\n\nYeah. Oh, I'm sorry to hear that. And, yeah, it's one of those things that often people just kinda put it off to the side, and you don't tend to think about it until either something happens to you or a loved one. And that's when you're like, oh, you can realize, obviously, the last thing you want is to leave you know, you want everything as smooth as possible if something ever would've happened to you so your loved ones, you know, don't have to worry too much. So do you guys have someone local that can assist you with it, or do you need any suggestions on someone?\n\nYep. Because what I can do, if you would like, just as a bit of a comparison, is that I can send you an email with a firm that we work closely with, and it has all the pricing and everything like that as well. And then, obviously, you can even if you don't decide to do that, you can even use it as a bit of a price guide of when you are speaking to someone else to see roughly how much it might cost, if that would be helpful. Yeah. Yeah.\n\nPerfect. I will get the team to email that. And that also includes just, like, a basic will or if you wanna will a power of attorney or if you want to do it as a couple as well, they can do that as well. Yep. Otherwise, though, when it comes to your superannuation, so superannuation does not form part of the estate.\n\nSo I have here that if something were to happen to you, you would like your super to go to Kathy. Is that correct? Yep. Because she is your spouse as well, if something were to happen, it will go completely tax free to her, which is good. Yep.\n\nOtherwise, you don't have anyone who makes any financial decisions in on your behalf? No. Perfect. That's often the case. They're like, not not officially, but my wife or husband does, kind of.\n\nSo that's all good. And, hey, Kathy. How are you? That's good. Now the next thing I do quickly wanna run through that with you, Peter, is just your risk profile just to see if we need to make any tweaks and changes to your risk tolerance or how your money is invested, if any of that has changed.\n\nSo it is just a couple of multiple choice questions to make it nice and easy, and you just let me know whatever you feel is the most appropriate for you. Does that make sense? Yep. Now have you ever bought direct shares on the stock market yourself? Nope.\n\nAnd when it comes through how much risk you are willing to take for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Between, yep, between high to moderate. Yep. No. Especially with time as well, that's when that comes in handy that, you know, typically, market always goes up over the long term.\n\nThe short term, there will be some ups and downs and market fluctuations depending on what is going on. And we also wanna make sure that you have enough time for those fluctuations to come back around before you do want to access it. Now kind of talking about fluctuations, if you placed an investment and then let's say after six months, it fell by 20%, Would you, if you had the option to do so, think that, well, now is potentially a good time to put a little bit more in while the prices are down? Would you be just kind of a bit neutral, just kind of wait and see what happens, Or do you think you would want to sell out of that investment and move through something a little bit more secure, but that means you're also then kind of selling when the prices have dropped? Yes.\n\nYeah. Mhmm. And it and it's more talking about, like, market trends. So not like, let's say, one investment that's just gone bad, just kind of like market trends. So kind of, obviously, going back to COVID, we saw quite a bit of fluctuations.\n\nLast twelve months hang it up. Okay. Perfect. Yep. Now if you had any investments or superannuation or anything else falling value, how would that make you feel?\n\nWould you say optimistic about potential future investments, a bit cautious, not making further investments, or would you say that you'll be a bit more concerned or anxious? A little bit cautious. Yep. Yeah. Yes.\n\nSorry. Exactly. Exactly. Which also plays yeah. It plays a big a part role.\n\nSo when we do assess, obviously, risk profile, it's it's time is one of the big things that we consider, but also how you feel about certain situations. Because I have some clients at 70 that goes, not put me in high risk. I'm happy. I understand it. Often, you see the older you get, the more defensive you become because, like you touched on, you don't have as much time.\n\nSo then at the same time, I have some 20 year olds that go, oh, no. I don't wanna see any fluctuations, and they're super defensive. So time does play a big role, but then also how you would feel in a situation kind of plays in as well, if that makes sense. Yeah. Gradually.\n\nAnd that's Yeah. So what we can do is sorry. I have one more question first, and then I'll go into the risk profile for you. So the last one here is just in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds?\n\nNo. And with the investment no. And with the investment property that you have, did you ever take out a loan for it, or did you buy it outright? Yep. Okay.\n\nYeah. Okay. Perfect. Now, Peter, that tells me here that you have come out as a balanced growth investor. And at the moment, we have you in a growth portfolio.\n\nDo you know the difference between those two at all? No. So in a growth portfolio, which is how you are currently invested, it is typically for investors who are looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time. Also, someone who is you know, understand that there will be some higher level of fluctuations in order to achieve that growth. Now when it comes to how the money is actually then invested, we see about 80 invested in what we call your growth assets.\n\nNow this is a combination of Australian shares, international shares, and property as well, And that is what's going to maximize the growth for you. And then we have about 20% in defensive. So that would be a combination of fixed interest, cash, and gold to try not limit fluctuations a little bit. Now the difference then between a balanced growth is kind of on the scale that is one step down, so slightly more defensive. Now a balanced growth is typically for investors who are looking at getting some growth still out of your superannuation while you are working and you are contributing through this superannuation from your employer, but you want a slightly more conservative element to your portfolio in order to kinda limit fluctuations a little bit because you don't have as much time.\n\nNow when it then comes to the money being invested, it's about a 10% difference from the growth one. So you will have about 70% in growth. So still focusing on growing it, but then you have about 30 in defensive to limit fluctuations a little bit. Does that make sense? Yeah.\n\nNow factoring in time as well, a balanced growth portfolio, we typically want to see about five years until retirement, making sure you have enough time for the market fluctuation. Whereas in a growth portfolio, we want at least six ideally. So from that, do you feel like there's one that you align with a little bit more? Yeah. The balance growth.\n\nYeah. Because what I can do for you, Peter, especially as you are getting closer, and I think what you were telling me, a balance growth is quite suitable. But, obviously, before you make up your mind, what I would like to do is because every time we do make a change, there there can be some capital gains tax, which we wanna minimize, but then also you wanna look at, you know, total fees and also the performance between the two portfolio and how that's going to change things for you. So what I can do is that I'm more than happy to do do some research between your current growth portfolio and a potential balance growth portfolio, especially because it's been a little bit of time as well with your investments. And, obviously, a lot has happened in the market in the last twelve months, and it is good to do a bit of a bit of an assessment and see if there's anyone that has underperformed, if we wanna change anything.\n\nSo I'm more than happy to put together a proposal for you, run that through with you, and then you can see what it would look like if we do move to a balance growth to reduce risk a little bit. That way you have all the information. And then following that, you can decide if you would like to go ahead with the change or if you prefer to leave it as is. But then at least you have a little bit more information. Would that be helpful?\n\nYeah? Okay. Perfect. Now it will take me about a week to put that together for you. Do you know what your schedule is like next week at all?\n\nYeah? Okay. Ah, lovely. Now let me have a look. Now let me have do you normally prefer mornings or afternoons or around kind of lunchtime?\n\nMidmorning? Okay. So at the moment, I have availability. So on Wednesday, the twenty second, I could do either at 12PM or I could do 09:30. Otherwise, Thursday the twenty third, I could do 11AM again.\n\n09:30? Alright. Perfect. Well, I will yeah? 09:30 on Wednesday?\n\nYep. Okay. Perfect. I will book that in for you, Peter. If anything does change, if you change any of your plans and you can't make it, just let me know, and I will we can see if we can get that rescheduled for you.\n\nNow the last thing I do wanna let you know as well is that I have sent you an email with some documents. Now, obviously, as you're driving, please don't get it up. It wouldn't be safe to do so. So later when you are not driving and when you have a bit of time, just have a look through them and let me know if you have any questions. But, basically, what I have sent you is a summary of your superannuation.\n\nSo it does show you your current superannuation with hub twenty four and that your current balance is about 258,556. Now it also shows you a performance report. So it shows you kind of how your investments have performed in the last twelve months. And now I'm sure you've obviously heard on on the news the bit of fluctuations we have had in the last twelve months. So, obviously, first with US and then Trump and tariffs and everything saw a bit of movement.\n\nAnd, obviously, more recently with the war as well, we have seen a bit of movement. Now in saying that, though, and this is all after fees. So after all fees have been deducted from your account, your portfolio has still, you know, gone up in the last twelve months, which is good given what has happened. The last twelve months, it's about 5.35%. Now that also attributes to the fact that you are in a growth portfolio, so you can see more fluctuations when there are more volatility in the market.\n\nSo like I said, I will do a bit more in-depth on the difference between your your growth and your balance growth and also deep diving into some of those investments to see if there's potentially some we wanna change out for some other ones for you. Now what you will also see is an OQ services guide. Now you probably would have seen this a couple of times before. It is one of those compliance documents, but it does give you all the important information in regards to us here at OQ. So when you have a moment, just have a read through it.\n\nNone of the important information has changed, but we've had a bit of an extension to the team, which is nice, and also a bit of an update marketing. If you do wanna have a read over it, you will actually see myself on page 10 if you do wanna put a face to the voice as well. And then the last two documents, it will ask you to add a signature if you are happy to do so. Now one is a tax fund number form. It basically just says that we are keeping your tax fund number secure and safe on-site.\n\nThe other one is your ongoing service agreement. So this is the one to say that you are happy to stay on as a client. Now, Peter, there is no changes whatsoever in regards to the fee structure. So it hasn't increased or anything like that. It stays exactly the same at 1.65 from superannuation, and it is not a lock in contract.\n\nSo if at any point in time you are not happy, it is not a lock in contract. But by signing this, otherwise, it allows us to manage all your investments and everything for you in the meantime. Does that make sense? Yep. Perfect.\n\nAnd it's not like a one off fee that comes out of your account once a year either. It is just deducted month monthly to give you that flexibility as well. Yep. Now do you have questions in regards to anything I have gone through today? For age pension, do you mean?\n\nMhmm. No. Sorry. No. Correct.\n\nSorry. The choice is completely up to you. Now if you decided that you wanna retire today as you have turned 60, you could realistically take everything completely tax free. If you are still working, there are restrictions between 60 and 65. In that, you can take up to 10% tax free.\n\nAfter 65, there is no restrictions on how much you can take out if you are still working. But like I said, if you decide tomorrow to stop working, you can take everything. You can decide how you want to take it. You can take it all as a lump sum, or what most people do is to just draw an income. Because by drawing an income, it gives you more, obviously, flexibility, but it also ensures that the rest of the money that you haven't taken out, instead of it being, like, in a in a cash account, it will continue to be invested and continue to grow.\n\nYou can obviously adjust how much you want to take out depending on your life situation and what is going on. Yeah. This yeah. Mhmm. Mhmm.\n\nMhmm. Yeah. Yes and no. Not typically because it is designed to provide for each of your retirement. Now if you wanted 1com combined super fund, the only way to do that is through a self managed super fund, because then you can have two trustees.\n\nSo yeah. There is ways where you can move money. So let's say you could like, if Kathy decides, obviously, she would have to keep her own super fund, but she could transfer money to you and vice versa through different spousal contributions. But there's obviously a lot to kind of factor in whether that would be the best for the two of you. Yeah.\n\nYeah. Yeah. Well, at least it's good, though, because you will get some money, obviously, by working. Your employer will pay a little bit, which obviously will will help as well, which which is good. But, yeah, it is a good question because a lot of people do ask.\n\nBut, yeah, unfortunately, because it's designed to obviously provide for your individual retirement. Yeah. At least at the moment, that's that's the rule. A bit messy sometimes. Yes.\n\nYeah. Exactly. Now do you guys have any other questions for me before I let you go and enjoy the rest of your morning, otherwise? No? Okay.\n\nPerfect. Now like I said, Peter, I do have you booked in next Wednesday, the twenty second at 09:30AM to go through that research with you. In the meantime, if you could have a look through that email I sent through, have a look through spam as well in case it does end up there. If you have any questions in regards to the document, just send me an email or give me a call. Otherwise, if you are happy to do so, it will just ask for your signature.\n\nIt automatically comes back to us so we can get that all loaded and sorted for you. And I will also get the team to email you that lawyer information so that you have it on hand if that would be helpful. Yep. Alright. Beautiful.\n\nWell, thank you so much for your time this morning, the two of you, and I look forward to speaking with you, Peter, next Wednesday. No worries. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":2.0,"end":2.56,"sentiment":"neutral","sentiment_score":0.3080631196498871},{"text":"Is this Peter?","start":2.56,"end":3.46,"sentiment":"neutral","sentiment_score":0.16858589152495065},{"text":"This is Veronica from Oakview Financial.","start":5.6,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.11646243308981259},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"neutral","sentiment_score":0.1259167194366455},{"text":"That's good.","start":11.36,"end":12.259999,"sentiment":"positive","sentiment_score":0.7322652041912079}],"sentiment":"neutral","sentiment_score":0.22893369244411588,"num_words":16,"start":2.0,"end":12.259999},{"sentences":[{"text":"I had you booked in this morning to go over your annual review.","start":13.035,"end":16.075,"sentiment":"positive","sentiment_score":0.46883147725692165},{"text":"Is now still a good time for you?","start":16.075,"end":17.855,"sentiment":"positive","sentiment_score":0.38565122336149216},{"text":"Okay.","start":21.515,"end":21.915,"sentiment":"neutral","sentiment_score":0.10648293793201448},{"text":"Yeah.","start":21.915,"end":22.154999,"sentiment":"neutral","sentiment_score":0.13073712587356567},{"text":"As long as you're happy to still kind of talk while you're driving.","start":22.154999,"end":25.055,"sentiment":"neutral","sentiment_score":0.21104867469805938}],"sentiment":"positive","sentiment_score":0.33780199516978526,"num_words":36,"start":13.035,"end":25.055},{"sentences":[{"text":"Yes.","start":26.76,"end":27.26,"sentiment":"neutral","sentiment_score":0.10252363979816435},{"text":"Okay.","start":28.36,"end":28.86,"sentiment":"neutral","sentiment_score":0.2730892598628998},{"text":"Perfect.","start":28.92,"end":29.42,"sentiment":"positive","sentiment_score":0.54286128282547},{"text":"I'll tryna make it quick for you.","start":29.64,"end":32.04,"sentiment":"positive","sentiment_score":0.4036907638822283},{"text":"But before I do go any further, Peter, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":32.04,"end":39.735,"sentiment":"neutral","sentiment_score":0.038499346423533656}],"sentiment":"neutral","sentiment_score":0.12043388460467501,"num_words":41,"start":26.76,"end":39.735},{"sentences":[{"text":"Yep.","start":41.495,"end":41.975002,"sentiment":"neutral","sentiment_score":0.04097151756286621},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?","start":41.975002,"end":52.395,"sentiment":"neutral","sentiment_score":0.037935588508844376},{"text":"Yep.","start":59.649998,"end":60.149998,"sentiment":"neutral","sentiment_score":0.1702321469783783},{"text":"Perfect.","start":60.21,"end":60.69,"sentiment":"positive","sentiment_score":0.5504260063171387},{"text":"That's exactly what I have here.","start":60.69,"end":62.469997,"sentiment":"positive","sentiment_score":0.5373383065064748}],"sentiment":"neutral","sentiment_score":0.1290415688417852,"num_words":40,"start":41.495,"end":62.469997},{"sentences":[{"text":"Now before I do kind of jump into things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions that you might have or whether it's just a bit of an update and see where everything's at?","start":63.649998,"end":77.564995,"sentiment":"neutral","sentiment_score":0.061859584827389985},{"text":"Yeah.","start":87.399994,"end":87.899994,"sentiment":"neutral","sentiment_score":0.0012003500014543531},{"text":"And have you started thinking a bit more concrete, like, when you think you want to retire or start accessing some of your superannuation.","start":88.03999,"end":96.655,"sentiment":"neutral","sentiment_score":-0.0015280037963141997},{"text":"Okay.","start":110.19,"end":110.69,"sentiment":"neutral","sentiment_score":-0.05217093229293823},{"text":"So kind of okay.","start":110.91,"end":118.61,"sentiment":"neutral","sentiment_score":-0.07935289153829217}],"sentiment":"neutral","sentiment_score":0.03494480168003412,"num_words":84,"start":63.649998,"end":118.61},{"sentences":[{"text":"So the main focus is to kind of clear out the debt on the mortgage.","start":118.67,"end":122.325,"sentiment":"neutral","sentiment_score":-0.04723268672823906},{"text":"And when you don't have that, obviously, over you, then potentially look through transition to retirement?","start":122.325,"end":128.185,"sentiment":"neutral","sentiment_score":0.0013940945209469646},{"text":"Yeah.","start":130.165,"end":130.665,"sentiment":"neutral","sentiment_score":0.22138363122940063},{"text":"Yeah.","start":130.965,"end":131.285,"sentiment":"neutral","sentiment_score":0.22769376635551453},{"text":"Okay.","start":131.285,"end":131.685,"sentiment":"neutral","sentiment_score":0.33086174726486206}],"sentiment":"neutral","sentiment_score":0.0027574810665100813,"num_words":34,"start":118.67,"end":131.685},{"sentences":[{"text":"Perfect.","start":131.685,"end":132.185,"sentiment":"positive","sentiment_score":0.6055408716201782},{"text":"And, obviously, like you said, it does depend on how long you have left on the loan.","start":132.405,"end":138.39,"sentiment":"neutral","sentiment_score":0.21365994609454098},{"text":"But I do have here that, ideally, you wanna start drawing an income from super at 65.","start":139.09,"end":144.95,"sentiment":"neutral","sentiment_score":0.17749236392624237},{"text":"Do you still think that you might wanna transition a little bit?","start":145.48999,"end":149.675,"sentiment":"neutral","sentiment_score":0.08053984337796767},{"text":"Yep.","start":152.295,"end":152.795,"sentiment":"neutral","sentiment_score":0.023478876799345016}],"sentiment":"neutral","sentiment_score":0.17177264873559275,"num_words":48,"start":131.685,"end":152.795},{"sentences":[{"text":"Yep.","start":158.535,"end":159.015,"sentiment":"neutral","sentiment_score":0.05822436138987541},{"text":"Okay.","start":159.015,"end":159.515,"sentiment":"neutral","sentiment_score":0.1440209150314331},{"text":"Ideally.","start":159.575,"end":160.075,"sentiment":"neutral","sentiment_score":0.1806500405073166},{"text":"But, yeah, no.","start":160.295,"end":162.33,"sentiment":"neutral","sentiment_score":0.03220280508200327},{"text":"That's all good.","start":162.33,"end":163.39,"sentiment":"neutral","sentiment_score":0.2696665972471237}],"sentiment":"neutral","sentiment_score":0.14316705821288955,"num_words":9,"start":158.535,"end":163.39},{"sentences":[{"text":"And if you when you do start drawing a bit of an income from super, even if it's, like, part time, I have here that, ideally, about a thousand dollars per week would give you what you need to cover living expenses and everything like that.","start":163.61,"end":179.925,"sentiment":"neutral","sentiment_score":0.19808501701640047},{"text":"Do you think that's still achievable, or do you think you you will need to draw a bit more?","start":180.22499,"end":184.485,"sentiment":"neutral","sentiment_score":0.05313163976136007},{"text":"Yep.","start":188.78499,"end":189.12,"sentiment":"neutral","sentiment_score":0.15386581420898438},{"text":"Yep.","start":190.95999,"end":191.44,"sentiment":"neutral","sentiment_score":0.13454926013946533},{"text":"Okay.","start":191.44,"end":191.84,"sentiment":"neutral","sentiment_score":0.2730478048324585}],"sentiment":"neutral","sentiment_score":0.15710110025589957,"num_words":68,"start":163.61,"end":191.84},{"sentences":[{"text":"Perfect.","start":191.84,"end":192.34,"sentiment":"positive","sentiment_score":0.3936776518821716},{"text":"Now what I will do here quickly as well, Peter, is just to run through just a bit of an updated fact line just to see if there is anything major that has changed you for need to make any tweaks and changes to your advice.","start":193.12,"end":205.355,"sentiment":"neutral","sentiment_score":0.10504652446378833},{"text":"So just bear with me as I do go through this.","start":206.135,"end":209.115,"sentiment":"neutral","sentiment_score":0.09281937913461165},{"text":"Now when it comes to your personal information, I have you down here as married with no financial dependence.","start":210.135,"end":217.515,"sentiment":"neutral","sentiment_score":0.0681434064907463},{"text":"Is that correct?","start":217.575,"end":218.475,"sentiment":"neutral","sentiment_score":0.07777232180039088}],"sentiment":"neutral","sentiment_score":0.09718590795528144,"num_words":80,"start":191.84,"end":218.475},{"sentences":[{"text":"Yes.","start":221.18999,"end":221.68999,"sentiment":"neutral","sentiment_score":0.04618819057941437},{"text":"And if yep.","start":221.90999,"end":224.32999,"sentiment":"neutral","sentiment_score":0.013879021862521768},{"text":"Yeah.","start":229.10999,"end":229.60999,"sentiment":"neutral","sentiment_score":-0.000931018963456154},{"text":"They're but are they still at home or are they a bit older?","start":230.79,"end":234.45499,"sentiment":"neutral","sentiment_score":-0.012593308714433359},{"text":"No.","start":235.39499,"end":235.89499,"sentiment":"neutral","sentiment_score":-0.06476117670536041}],"sentiment":"neutral","sentiment_score":-0.007451576462603714,"num_words":19,"start":221.18999,"end":235.89499},{"sentences":[{"text":"Okay.","start":237.795,"end":238.275,"sentiment":"neutral","sentiment_score":0.004552433267235756},{"text":"Yeah.","start":238.275,"end":238.75499,"sentiment":"neutral","sentiment_score":0.013095233589410782},{"text":"But sometimes gotta help a little bit, I get.","start":238.75499,"end":241.655,"sentiment":"neutral","sentiment_score":-0.006004549976852205},{"text":"I get that.","start":241.875,"end":242.855,"sentiment":"neutral","sentiment_score":0.007685893525679906},{"text":"Now next up, Kim.","start":244.75499,"end":246.81999,"sentiment":"neutral","sentiment_score":-0.001960336696356535}],"sentiment":"neutral","sentiment_score":-0.0011764971746338739,"num_words":18,"start":237.795,"end":246.81999},{"sentences":[{"text":"So in the event that something would've happened to you and we, for some reason, cannot get in touch with you at all, I have Kathy nominated.","start":246.81999,"end":253.72,"sentiment":"neutral","sentiment_score":-0.015650933297971886},{"text":"Is that still the case?","start":254.01999,"end":255.31999,"sentiment":"neutral","sentiment_score":0.062397687882184985},{"text":"Perfect.","start":256.5,"end":257.0,"sentiment":"neutral","sentiment_score":0.04708227515220642},{"text":"Now I don't actually have a phone number at for her.","start":257.3,"end":261.13998,"sentiment":"neutral","sentiment_score":-0.06719779257069934},{"text":"Would do you know where that is at all?","start":261.13998,"end":263.895,"sentiment":"neutral","sentiment_score":-0.04159447012676133}],"sentiment":"neutral","sentiment_score":-0.02220812139435197,"num_words":53,"start":246.81999,"end":263.895},{"sentences":[{"text":"Yeah.","start":266.275,"end":266.51498,"sentiment":"neutral","sentiment_score":0.002303138142451644},{"text":"That's 428.","start":266.51498,"end":267.63498,"sentiment":"neutral","sentiment_score":-0.0000962409540079534},{"text":"Yep.","start":267.63498,"end":268.13498,"sentiment":"neutral","sentiment_score":0.003231895854696631},{"text":"Four five nine.","start":270.755,"end":271.875,"sentiment":"neutral","sentiment_score":0.001237667165696621},{"text":"Yep.","start":271.875,"end":272.375,"sentiment":"neutral","sentiment_score":0.00604643439874053}],"sentiment":"neutral","sentiment_score":0.0018877484981203452,"num_words":8,"start":266.275,"end":272.375},{"sentences":[{"text":"450.","start":274.61002,"end":275.73,"sentiment":"neutral","sentiment_score":0.023707609623670575},{"text":"Great.","start":275.73,"end":276.05002,"sentiment":"positive","sentiment_score":0.5466837286949158},{"text":"Perfect.","start":276.05002,"end":276.45,"sentiment":"positive","sentiment_score":0.6863018274307251},{"text":"Thank you so much for that.","start":276.45,"end":278.07,"sentiment":"positive","sentiment_score":0.7013095915317535},{"text":"Employment wise, has any of that changed?","start":279.41,"end":282.95,"sentiment":"neutral","sentiment_score":0.12484027445316315}],"sentiment":"positive","sentiment_score":0.3961520397569984,"num_words":16,"start":274.61002,"end":282.95},{"sentences":[{"text":"Are you still doing, like, the labor and truck driving on the weekend?","start":283.01,"end":286.23,"sentiment":"neutral","sentiment_score":0.04565974038380843},{"text":"Still the same?","start":288.92502,"end":289.64502,"sentiment":"neutral","sentiment_score":0.030113229528069496},{"text":"Okay.","start":289.64502,"end":290.14502,"sentiment":"neutral","sentiment_score":0.03940725326538086},{"text":"And with your your laborer, do you do that full time as well?","start":290.445,"end":294.945,"sentiment":"neutral","sentiment_score":0.028803317306133416},{"text":"Yes.","start":296.845,"end":297.345,"sentiment":"neutral","sentiment_score":0.03095380961894989}],"sentiment":"neutral","sentiment_score":0.03641033875605752,"num_words":31,"start":283.01,"end":297.345},{"sentences":[{"text":"And what's your income roughly from that?","start":297.565,"end":301.02,"sentiment":"neutral","sentiment_score":0.01693901858691658},{"text":"Do you know?","start":301.02,"end":301.76,"sentiment":"neutral","sentiment_score":0.011170146986842155},{"text":"1,800 per fortnight, and that is after tax?","start":305.9,"end":308.56,"sentiment":"neutral","sentiment_score":0.004862828616751358},{"text":"Yep.","start":310.3,"end":310.635,"sentiment":"neutral","sentiment_score":0.0220194011926651},{"text":"And with the truck driving, how often or how many hours would you say that you do on that roughly?","start":311.435,"end":319.695,"sentiment":"neutral","sentiment_score":0.0007745193084701896}],"sentiment":"neutral","sentiment_score":0.005858871470898008,"num_words":39,"start":297.565,"end":319.695},{"sentences":[{"text":"Okay.","start":328.65,"end":329.15,"sentiment":"neutral","sentiment_score":-0.04317568242549896},{"text":"But how Yeah.","start":332.65,"end":334.35,"sentiment":"neutral","sentiment_score":-0.042982460310061775},{"text":"300 awake?","start":340.205,"end":341.345,"sentiment":"neutral","sentiment_score":-0.01853398745879531},{"text":"Yeah.","start":343.005,"end":343.505,"sentiment":"neutral","sentiment_score":-0.014829040504992008},{"text":"Yeah.","start":344.605,"end":345.105,"sentiment":"neutral","sentiment_score":-0.026541560888290405}],"sentiment":"neutral","sentiment_score":-0.031320204958319664,"num_words":8,"start":328.65,"end":345.105},{"sentences":[{"text":"Yeah.","start":352.53998,"end":352.78,"sentiment":"neutral","sentiment_score":-0.02563850954174995},{"text":"About the three 100.","start":352.78,"end":353.91998,"sentiment":"neutral","sentiment_score":-0.02059916127473116},{"text":"Yep.","start":354.13998,"end":354.63998,"sentiment":"neutral","sentiment_score":-0.014935022220015526},{"text":"Yeah.","start":355.97998,"end":356.3,"sentiment":"neutral","sentiment_score":-0.04824978858232498},{"text":"And it that would be in, like, a a casual basis, I imagine.","start":356.3,"end":359.59998,"sentiment":"neutral","sentiment_score":-0.05204825619092354}],"sentiment":"neutral","sentiment_score":-0.04239236479625106,"num_words":20,"start":352.53998,"end":359.59998},{"sentences":[{"text":"Yep.","start":361.66498,"end":362.16498,"sentiment":"neutral","sentiment_score":-0.01535089872777462},{"text":"Okay.","start":371.905,"end":372.405,"sentiment":"neutral","sentiment_score":-0.02307785488665104},{"text":"Okay.","start":373.5,"end":374.0,"sentiment":"neutral","sentiment_score":-0.02458035945892334},{"text":"Yeah.","start":376.62,"end":377.02002,"sentiment":"neutral","sentiment_score":0.0032494300976395607},{"text":"Okay.","start":377.02002,"end":377.52002,"sentiment":"neutral","sentiment_score":0.004413296468555927}],"sentiment":"neutral","sentiment_score":-0.011069277301430702,"num_words":5,"start":361.66498,"end":377.52002},{"sentences":[{"text":"And both jobs, they pay you that standard 12 percent contribution into super.","start":378.06,"end":385.42,"sentiment":"neutral","sentiment_score":0.008479559006026158},{"text":"There's no, like, special enterprise bargain agreement or not just a standard.","start":385.42,"end":391.17502,"sentiment":"neutral","sentiment_score":-0.07052131928503513},{"text":"Okay.","start":391.55502,"end":391.95502,"sentiment":"neutral","sentiment_score":0.07766687870025635},{"text":"Beautiful.","start":391.95502,"end":392.45502,"sentiment":"neutral","sentiment_score":0.21635565161705017},{"text":"And are you making any additional contributions yourself or just that from your two employers?","start":393.95502,"end":398.695,"sentiment":"neutral","sentiment_score":0.02720285430550575}],"sentiment":"neutral","sentiment_score":-0.000808481415290208,"num_words":42,"start":378.06,"end":398.695},{"sentences":[{"text":"Nope.","start":401.73,"end":402.05,"sentiment":"neutral","sentiment_score":-0.07167356461286545},{"text":"That's all good.","start":402.05,"end":403.19,"sentiment":"neutral","sentiment_score":0.10298731178045273},{"text":"I do have here as well average expenses per week of about 1,300.","start":403.65,"end":408.95,"sentiment":"neutral","sentiment_score":0.1041977176299462},{"text":"Does that sound about right?","start":409.01,"end":410.79,"sentiment":"neutral","sentiment_score":0.08039656355977058},{"text":"A bit more like 15, or what do you reckon?","start":416.86502,"end":419.845,"sentiment":"neutral","sentiment_score":0.016549210250377654}],"sentiment":"neutral","sentiment_score":0.06747917563188821,"num_words":32,"start":401.73,"end":419.845},{"sentences":[{"text":"About 15.","start":422.225,"end":423.045,"sentiment":"neutral","sentiment_score":0.06363027729094028},{"text":"And are you saving anything on, like, a weekly, monthly, or fortnightly basis?","start":423.665,"end":428.52,"sentiment":"neutral","sentiment_score":0.0713874247784798},{"text":"Basis?","start":430.28,"end":430.68,"sentiment":"neutral","sentiment_score":0.02695028856396675},{"text":"No.","start":430.68,"end":431.18,"sentiment":"neutral","sentiment_score":-0.0677536129951477},{"text":"No.","start":432.44,"end":432.59998,"sentiment":"neutral","sentiment_score":-0.07725966721773148}],"sentiment":"neutral","sentiment_score":0.05206856028073364,"num_words":18,"start":422.225,"end":432.59998},{"sentences":[{"text":"That's all good.","start":432.59998,"end":433.81998,"sentiment":"neutral","sentiment_score":0.04168548807501793},{"text":"Yeah.","start":436.44,"end":436.75998,"sentiment":"neutral","sentiment_score":0.051827095448970795},{"text":"Most people have the same, especially with all their living expenses and interest rates and everything at the moment.","start":436.75998,"end":442.37997,"sentiment":"neutral","sentiment_score":0.019886130957227004},{"text":"So not a lot of people are feeling the same.","start":442.44,"end":445.475,"sentiment":"neutral","sentiment_score":-0.14514658376574516},{"text":"Asset wise, your property I have here last was died at about 400,000.","start":447.29498,"end":453.555,"sentiment":"neutral","sentiment_score":-0.07238417004163449}],"sentiment":"neutral","sentiment_score":-0.039950869572551354,"num_words":46,"start":432.59998,"end":453.555},{"sentences":[{"text":"So roughly yeah.","start":458.99002,"end":460.35,"sentiment":"neutral","sentiment_score":-0.04204338416457176},{"text":"And mortgage was about 231 owing.","start":460.35,"end":464.13,"sentiment":"neutral","sentiment_score":-0.050867462530732155},{"text":"Oh, beautiful.","start":468.60498,"end":469.26498,"sentiment":"positive","sentiment_score":0.5314548015594482},{"text":"So you guys have made a pretty good progression on the loan, which is good.","start":469.32498,"end":472.785,"sentiment":"positive","sentiment_score":0.6303795158863068},{"text":"Do you also have the investment property as well?","start":474.925,"end":477.345,"sentiment":"neutral","sentiment_score":0.15652764671378666}],"sentiment":"neutral","sentiment_score":0.3284576066902706,"num_words":35,"start":458.99002,"end":477.345},{"sentences":[{"text":"Yep.","start":481.02002,"end":481.42,"sentiment":"neutral","sentiment_score":0.05894872546195984},{"text":"Yep.","start":481.42,"end":481.9,"sentiment":"neutral","sentiment_score":0.053621456027030945},{"text":"And I have here that it yeah?","start":481.9,"end":484.16,"sentiment":"neutral","sentiment_score":0.02534165233373642},{"text":"No.","start":486.78,"end":487.02002,"sentiment":"neutral","sentiment_score":-0.12589263916015625},{"text":"I was gonna say I have here that it was died at about $1.50 with nothing owing on it.","start":487.02002,"end":491.84,"sentiment":"neutral","sentiment_score":-0.10096711547751176}],"sentiment":"neutral","sentiment_score":-0.06049331328992186,"num_words":29,"start":481.02002,"end":491.84},{"sentences":[{"text":"Yeah.","start":495.25497,"end":495.75497,"sentiment":"neutral","sentiment_score":-0.0001439051702618599},{"text":"Okay.","start":496.455,"end":496.955,"sentiment":"neutral","sentiment_score":0.025444723665714264},{"text":"Now I also have here contents of about 100,000.","start":497.175,"end":500.875,"sentiment":"neutral","sentiment_score":0.025850341551833682},{"text":"Yep.","start":504.15,"end":504.63,"sentiment":"neutral","sentiment_score":0.0447445884346962},{"text":"And then a motor vehicle ride at about 60,000 with nothing owing.","start":504.63,"end":511.21,"sentiment":"neutral","sentiment_score":0.030769363200912874}],"sentiment":"neutral","sentiment_score":0.027997118304483593,"num_words":24,"start":495.25497,"end":511.21},{"sentences":[{"text":"Yep.","start":513.67,"end":514.07,"sentiment":"neutral","sentiment_score":0.037779759615659714},{"text":"And then a trailer a camper trailer of about 40,000.","start":514.07,"end":517.85,"sentiment":"neutral","sentiment_score":0.026982075721025466},{"text":"Yeah.","start":519.675,"end":519.915,"sentiment":"neutral","sentiment_score":0.019571468234062195},{"text":"And then a u roughly around that, you reckon?","start":519.915,"end":525.055,"sentiment":"neutral","sentiment_score":-0.02902706753876474},{"text":"Yeah.","start":527.115,"end":527.615,"sentiment":"neutral","sentiment_score":-0.009093044325709345}],"sentiment":"neutral","sentiment_score":0.0025834242220629344,"num_words":22,"start":513.67,"end":527.615},{"sentences":[{"text":"Yep.","start":530.15497,"end":530.65497,"sentiment":"neutral","sentiment_score":-0.006955945398658514},{"text":"No.","start":530.795,"end":531.295,"sentiment":"neutral","sentiment_score":-0.06596701592206955},{"text":"Alright.","start":532.37,"end":532.61005,"sentiment":"neutral","sentiment_score":0.0005732303252443671},{"text":"I'll just change it to 30.","start":532.61005,"end":533.97003,"sentiment":"neutral","sentiment_score":-0.0035097431391477585},{"text":"Obviously, they they do depreciate a little bit in value.","start":533.97003,"end":537.11005,"sentiment":"neutral","sentiment_score":-0.024244199227541684}],"sentiment":"neutral","sentiment_score":-0.017676325373988794,"num_words":19,"start":530.15497,"end":537.11005},{"sentences":[{"text":"And they use as well worth 15?","start":538.61005,"end":540.55,"sentiment":"neutral","sentiment_score":0.016438300056116923},{"text":"Yep.","start":542.85004,"end":543.345,"sentiment":"neutral","sentiment_score":0.03872164338827133},{"text":"Yep.","start":543.745,"end":544.245,"sentiment":"neutral","sentiment_score":0.14240366220474243},{"text":"Anything else that's changed us at Wise Peter in the last twelve months?","start":544.545,"end":548.08496,"sentiment":"neutral","sentiment_score":0.191957291502219},{"text":"None.","start":549.90497,"end":550.305,"sentiment":"neutral","sentiment_score":-0.13263118267059326}],"sentiment":"neutral","sentiment_score":0.11560900055843851,"num_words":23,"start":538.61005,"end":550.305},{"sentences":[{"text":"Alright.","start":550.305,"end":550.70496,"sentiment":"neutral","sentiment_score":0.22324614226818085},{"text":"Perfect.","start":550.70496,"end":551.20496,"sentiment":"positive","sentiment_score":0.5666667222976685},{"text":"And when it comes to health and lifestyle, I have you down here as a non smoker and no significant health issues or injuries.","start":551.58496,"end":560.01,"sentiment":"neutral","sentiment_score":0.018096568683783214},{"text":"Is that the case?","start":560.01,"end":560.99,"sentiment":"neutral","sentiment_score":-0.00856834091246128},{"text":"Yep.","start":563.29004,"end":563.69,"sentiment":"neutral","sentiment_score":0.2862323522567749}],"sentiment":"neutral","sentiment_score":0.04761901618011536,"num_words":31,"start":550.305,"end":563.69},{"sentences":[{"text":"Beautiful.","start":563.69,"end":564.19,"sentiment":"positive","sentiment_score":0.6144767999649048},{"text":"And do you have private health insurance?","start":564.81,"end":566.67004,"sentiment":"neutral","sentiment_score":0.09789933264255524},{"text":"No.","start":568.57,"end":569.07,"sentiment":"neutral","sentiment_score":-0.06415959447622299},{"text":"And when it comes to estate planning, do you know if you have a will or power of attorney in place?","start":569.945,"end":576.445,"sentiment":"neutral","sentiment_score":-0.02299087813922337},{"text":"No.","start":579.465,"end":579.965,"sentiment":"neutral","sentiment_score":-0.27574265003204346}],"sentiment":"neutral","sentiment_score":0.015389078807446265,"num_words":31,"start":563.69,"end":579.965},{"sentences":[{"text":"Okay.","start":583.74005,"end":584.24005,"sentiment":"neutral","sentiment_score":-0.02850380539894104},{"text":"So kind of on the to do list.","start":584.78,"end":586.4,"sentiment":"neutral","sentiment_score":-0.011666284641250968},{"text":"And okay.","start":589.26,"end":594.815,"sentiment":"neutral","sentiment_score":-0.05216348357498646},{"text":"Yes.","start":597.435,"end":597.935,"sentiment":"neutral","sentiment_score":0.0476098395884037},{"text":"Yeah.","start":599.195,"end":599.695,"sentiment":"neutral","sentiment_score":0.02688935399055481}],"sentiment":"neutral","sentiment_score":-0.011666296623074092,"num_words":13,"start":583.74005,"end":599.695},{"sentences":[{"text":"Yeah.","start":601.195,"end":601.595,"sentiment":"neutral","sentiment_score":0.01875188946723938},{"text":"Oh, I'm sorry to hear that.","start":601.595,"end":603.035,"sentiment":"neutral","sentiment_score":-0.09266020233432452},{"text":"And, yeah, it's one of those things that often people just kinda put it off to the side, and you don't tend to think about it until either something happens to you or a loved one.","start":603.035,"end":613.72,"sentiment":"neutral","sentiment_score":-0.10123483241639203},{"text":"And that's when you're like, oh, you can realize, obviously, the last thing you want is to leave you know, you want everything as smooth as possible if something ever would've happened to you so your loved ones, you know, don't have to worry too much.","start":613.72,"end":627.195,"sentiment":"neutral","sentiment_score":0.06828127971485905},{"text":"So do you guys have someone local that can assist you with it, or do you need any suggestions on someone?","start":627.195,"end":634.87,"sentiment":"neutral","sentiment_score":0.09998257662213984}],"sentiment":"neutral","sentiment_score":0.009626451676542108,"num_words":110,"start":601.195,"end":634.87},{"sentences":[{"text":"Yep.","start":640.21,"end":640.71,"sentiment":"neutral","sentiment_score":0.009541812352836132},{"text":"Because what I can do, if you would like, just as a bit of a comparison, is that I can send you an email with a firm that we work closely with, and it has all the pricing and everything like that as well.","start":642.05005,"end":655.33496,"sentiment":"neutral","sentiment_score":0.08282338370653716},{"text":"And then, obviously, you can even if you don't decide to do that, you can even use it as a bit of a price guide of when you are speaking to someone else to see roughly how much it might cost, if that would be helpful.","start":655.71497,"end":666.76996,"sentiment":"neutral","sentiment_score":0.14787888445931932},{"text":"Yeah.","start":668.50995,"end":668.99,"sentiment":"positive","sentiment_score":0.39500558376312256},{"text":"Yeah.","start":668.99,"end":669.49,"sentiment":"positive","sentiment_score":0.4672659039497375}],"sentiment":"neutral","sentiment_score":0.12170398783098946,"num_words":93,"start":640.21,"end":669.49},{"sentences":[{"text":"Perfect.","start":669.62994,"end":670.12994,"sentiment":"positive","sentiment_score":0.6716053485870361},{"text":"I will get the team to email that.","start":670.18994,"end":671.70996,"sentiment":"positive","sentiment_score":0.4323408976197243},{"text":"And that also includes just, like, a basic will or if you wanna will a power of attorney or if you want to do it as a couple as well, they can do that as well.","start":671.70996,"end":681.325,"sentiment":"neutral","sentiment_score":0.3129504256778293},{"text":"Yep.","start":682.985,"end":683.485,"sentiment":"neutral","sentiment_score":0.08840297162532806},{"text":"Otherwise, though, when it comes to your superannuation, so superannuation does not form part of the estate.","start":684.505,"end":691.95996,"sentiment":"neutral","sentiment_score":-0.018025916535407305}],"sentiment":"neutral","sentiment_score":0.24092873403920778,"num_words":63,"start":669.62994,"end":691.95996},{"sentences":[{"text":"So I have here that if something were to happen to you, you would like your super to go to Kathy.","start":693.06,"end":699.0,"sentiment":"neutral","sentiment_score":0.07401521929672786},{"text":"Is that correct?","start":699.22,"end":700.12,"sentiment":"neutral","sentiment_score":0.07838903119166692},{"text":"Yep.","start":700.89996,"end":701.39996,"sentiment":"neutral","sentiment_score":0.1843725293874741},{"text":"Because she is your spouse as well, if something were to happen, it will go completely tax free to her, which is good.","start":702.305,"end":708.40497,"sentiment":"positive","sentiment_score":0.3941576856633891},{"text":"Yep.","start":711.345,"end":711.845,"sentiment":"neutral","sentiment_score":0.051760103553533554}],"sentiment":"neutral","sentiment_score":0.22635196126541313,"num_words":49,"start":693.06,"end":711.845},{"sentences":[{"text":"Otherwise, you don't have anyone who makes any financial decisions in on your behalf?","start":712.785,"end":716.885,"sentiment":"neutral","sentiment_score":-0.034088500775396824},{"text":"No.","start":719.13,"end":719.63,"sentiment":"neutral","sentiment_score":-0.2071147859096527},{"text":"Perfect.","start":719.93,"end":720.43,"sentiment":"neutral","sentiment_score":-0.27391332387924194},{"text":"That's often the case.","start":724.01,"end":725.31,"sentiment":"neutral","sentiment_score":-0.015231825411319733},{"text":"They're like, not not officially, but my wife or husband does, kind of.","start":725.93,"end":729.87,"sentiment":"neutral","sentiment_score":0.0017655470336859042}],"sentiment":"neutral","sentiment_score":-0.030189160934903404,"num_words":33,"start":712.785,"end":729.87},{"sentences":[{"text":"So that's all good.","start":731.65497,"end":732.39496,"sentiment":"neutral","sentiment_score":0.2935677394270897},{"text":"And, hey, Kathy.","start":733.095,"end":733.975,"sentiment":"neutral","sentiment_score":0.2206509311993917},{"text":"How are you?","start":733.975,"end":734.795,"sentiment":"neutral","sentiment_score":0.21840464075406393},{"text":"That's good.","start":736.77496,"end":737.675,"sentiment":"positive","sentiment_score":0.5948870182037354},{"text":"Now the next thing I do quickly wanna run through that with you, Peter, is just your risk profile just to see if we need to make any tweaks and changes to your risk tolerance or how your money is invested, if any of that has changed.","start":739.975,"end":754.83997,"sentiment":"neutral","sentiment_score":0.0606035922277481}],"sentiment":"neutral","sentiment_score":0.11067085668949758,"num_words":59,"start":731.65497,"end":754.83997},{"sentences":[{"text":"So it is just a couple of multiple choice questions to make it nice and easy, and you just let me know whatever you feel is the most appropriate for you.","start":754.83997,"end":765.055,"sentiment":"neutral","sentiment_score":0.24053096554933057},{"text":"Does that make sense?","start":765.055,"end":766.27496,"sentiment":"neutral","sentiment_score":0.12180112674832344},{"text":"Yep.","start":768.815,"end":769.315,"sentiment":"neutral","sentiment_score":0.02912246249616146},{"text":"Now have you ever bought direct shares on the stock market yourself?","start":770.415,"end":775.15497,"sentiment":"neutral","sentiment_score":-0.007136662645886342},{"text":"Nope.","start":777.5,"end":778.0,"sentiment":"neutral","sentiment_score":-0.07959597557783127}],"sentiment":"neutral","sentiment_score":0.15933777498347418,"num_words":49,"start":754.83997,"end":778.0},{"sentences":[{"text":"And when it comes through how much risk you are willing to take for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?","start":779.89996,"end":798.205,"sentiment":"neutral","sentiment_score":-0.018134852984729104},{"text":"Between, yep, between high to moderate.","start":803.48,"end":805.89996,"sentiment":"neutral","sentiment_score":-0.030415498341123264},{"text":"Yep.","start":807.24,"end":807.74,"sentiment":"neutral","sentiment_score":-0.09253470599651337},{"text":"No.","start":809.07996,"end":809.57996,"sentiment":"neutral","sentiment_score":-0.11053207516670228},{"text":"Especially with time as well, that's when that comes in handy that, you know, typically, market always goes up over the long term.","start":810.36,"end":817.645,"sentiment":"neutral","sentiment_score":-0.06200144456132599}],"sentiment":"neutral","sentiment_score":-0.035983603750355544,"num_words":70,"start":779.89996,"end":817.645},{"sentences":[{"text":"The short term, there will be some ups and downs and market fluctuations depending on what is going on.","start":817.645,"end":822.865,"sentiment":"neutral","sentiment_score":-0.10494425186985418},{"text":"And we also wanna make sure that you have enough time for those fluctuations to come back around before you do want to access it.","start":823.005,"end":830.13,"sentiment":"neutral","sentiment_score":-0.0399902580678463},{"text":"Now kind of talking about fluctuations, if you placed an investment and then let's say after six months, it fell by 20%, Would you, if you had the option to do so, think that, well, now is potentially a good time to put a little bit more in while the prices are down?","start":833.25,"end":854.545,"sentiment":"neutral","sentiment_score":-0.010038158171019464},{"text":"Would you be just kind of a bit neutral, just kind of wait and see what happens, Or do you think you would want to sell out of that investment and move through something a little bit more secure, but that means you're also then kind of selling when the prices have dropped?","start":855.085,"end":869.74,"sentiment":"neutral","sentiment_score":-0.11329211491458821},{"text":"Yes.","start":873.655,"end":874.155,"sentiment":"neutral","sentiment_score":-0.22364822030067444}],"sentiment":"neutral","sentiment_score":-0.06459503265603489,"num_words":151,"start":817.645,"end":874.155},{"sentences":[{"text":"Yeah.","start":879.655,"end":880.155,"sentiment":"neutral","sentiment_score":-0.19907566905021667},{"text":"Mhmm.","start":881.495,"end":881.995,"sentiment":"neutral","sentiment_score":-0.06050346791744232},{"text":"And it and it's more talking about, like, market trends.","start":885.83,"end":889.19,"sentiment":"neutral","sentiment_score":-0.10211202502250671},{"text":"So not like, let's say, one investment that's just gone bad, just kind of like market trends.","start":889.19,"end":895.11005,"sentiment":"neutral","sentiment_score":-0.2084321734659812},{"text":"So kind of, obviously, going back to COVID, we saw quite a bit of fluctuations.","start":895.11005,"end":898.81,"sentiment":"neutral","sentiment_score":-0.1335734044512113}],"sentiment":"neutral","sentiment_score":-0.15517380461096764,"num_words":44,"start":879.655,"end":898.81},{"sentences":[{"text":"Last twelve months hang it up.","start":899.885,"end":906.045,"sentiment":"neutral","sentiment_score":-0.1479525938630104},{"text":"Okay.","start":906.045,"end":906.52496,"sentiment":"neutral","sentiment_score":0.21071700751781464},{"text":"Perfect.","start":906.52496,"end":907.02496,"sentiment":"positive","sentiment_score":0.3380386233329773},{"text":"Yep.","start":907.245,"end":907.745,"sentiment":"neutral","sentiment_score":0.19160109758377075},{"text":"Now if you had any investments or superannuation or anything else falling value, how would that make you feel?","start":909.485,"end":919.53,"sentiment":"neutral","sentiment_score":0.11111146368478474}],"sentiment":"neutral","sentiment_score":0.07013424911669322,"num_words":28,"start":899.885,"end":919.53},{"sentences":[{"text":"Would you say optimistic about potential future investments, a bit cautious, not making further investments, or would you say that you'll be a bit more concerned or anxious?","start":919.75,"end":933.11505,"sentiment":"neutral","sentiment_score":-0.11166167565222297},{"text":"A little bit cautious.","start":939.49506,"end":940.47504,"sentiment":"neutral","sentiment_score":-0.10583550482988358},{"text":"Yep.","start":940.61505,"end":941.11505,"sentiment":"neutral","sentiment_score":0.002689032582566142},{"text":"Yeah.","start":946.23,"end":946.73,"sentiment":"neutral","sentiment_score":-0.08360864222049713},{"text":"Yes.","start":950.63,"end":951.13,"sentiment":"neutral","sentiment_score":-0.002582017332315445}],"sentiment":"neutral","sentiment_score":-0.10381058755862926,"num_words":35,"start":919.75,"end":951.13},{"sentences":[{"text":"Sorry.","start":951.51,"end":952.01,"sentiment":"neutral","sentiment_score":-0.07271256297826767},{"text":"Exactly.","start":956.165,"end":956.665,"sentiment":"neutral","sentiment_score":0.08062353730201721},{"text":"Exactly.","start":958.40497,"end":958.90497,"sentiment":"neutral","sentiment_score":0.1492484211921692},{"text":"Which also plays yeah.","start":960.165,"end":961.285,"sentiment":"neutral","sentiment_score":0.09173787385225296},{"text":"It plays a big a part role.","start":961.285,"end":963.285,"sentiment":"neutral","sentiment_score":0.14229769046817506}],"sentiment":"neutral","sentiment_score":0.10858533744301115,"num_words":14,"start":951.51,"end":963.285},{"sentences":[{"text":"So when we do assess, obviously, risk profile, it's it's time is one of the big things that we consider, but also how you feel about certain situations.","start":963.285,"end":972.98,"sentiment":"neutral","sentiment_score":0.04835631705022284},{"text":"Because I have some clients at 70 that goes, not put me in high risk.","start":973.19995,"end":977.36,"sentiment":"neutral","sentiment_score":0.006371446947256724},{"text":"I'm happy.","start":977.36,"end":978.16,"sentiment":"positive","sentiment_score":0.6126085519790649},{"text":"I understand it.","start":978.16,"end":979.45996,"sentiment":"positive","sentiment_score":0.35251932342847186},{"text":"Often, you see the older you get, the more defensive you become because, like you touched on, you don't have as much time.","start":980.515,"end":987.015,"sentiment":"neutral","sentiment_score":-0.0015157840984023135}],"sentiment":"neutral","sentiment_score":0.05207691016331525,"num_words":71,"start":963.285,"end":987.015},{"sentences":[{"text":"So then at the same time, I have some 20 year olds that go, oh, no.","start":987.235,"end":990.755,"sentiment":"neutral","sentiment_score":0.04634954477660358},{"text":"I don't wanna see any fluctuations, and they're super defensive.","start":990.755,"end":993.495,"sentiment":"neutral","sentiment_score":0.024831586703658103},{"text":"So time does play a big role, but then also how you would feel in a situation kind of plays in as well, if that makes sense.","start":993.89996,"end":1002.31995,"sentiment":"neutral","sentiment_score":0.07679876216031888},{"text":"Yeah.","start":1006.635,"end":1007.135,"sentiment":"neutral","sentiment_score":-0.010457279160618782},{"text":"Gradually.","start":1011.27496,"end":1011.77496,"sentiment":"neutral","sentiment_score":-0.008692187257111073}],"sentiment":"neutral","sentiment_score":0.055351376279511234,"num_words":55,"start":987.235,"end":1011.77496},{"sentences":[{"text":"And that's Yeah.","start":1011.915,"end":1018.83,"sentiment":"neutral","sentiment_score":-0.052566755563020706},{"text":"So what we can do is sorry.","start":1018.97003,"end":1021.93,"sentiment":"neutral","sentiment_score":-0.05405033752322197},{"text":"I have one more question first, and then I'll go into the risk profile for you.","start":1021.93,"end":1026.17,"sentiment":"neutral","sentiment_score":-0.04800725367385894},{"text":"So the last one here is just in regards to borrowing money.","start":1026.17,"end":1028.91,"sentiment":"neutral","sentiment_score":-0.024736465886235237},{"text":"So would you ever consider taking out a loan to invest in stocks or funds?","start":1029.37,"end":1034.6849,"sentiment":"neutral","sentiment_score":-0.04051765725016594}],"sentiment":"neutral","sentiment_score":-0.04167492712303152,"num_words":53,"start":1011.915,"end":1034.6849},{"sentences":[{"text":"No.","start":1040.585,"end":1041.085,"sentiment":"neutral","sentiment_score":-0.14107975363731384},{"text":"And with the investment no.","start":1041.225,"end":1043.73,"sentiment":"neutral","sentiment_score":-0.12656273394823075},{"text":"And with the investment property that you have, did you ever take out a loan for it, or did you buy it outright?","start":1043.73,"end":1050.15,"sentiment":"neutral","sentiment_score":-0.024826045269551483},{"text":"Yep.","start":1058.625,"end":1058.9451,"sentiment":"neutral","sentiment_score":0.0021376237273216248},{"text":"Okay.","start":1058.9451,"end":1059.4451,"sentiment":"neutral","sentiment_score":-0.005903188139200211}],"sentiment":"neutral","sentiment_score":-0.04350509770935582,"num_words":31,"start":1040.585,"end":1059.4451},{"sentences":[{"text":"Yeah.","start":1060.865,"end":1061.265,"sentiment":"neutral","sentiment_score":0.05437081307172775},{"text":"Okay.","start":1061.265,"end":1061.5851,"sentiment":"neutral","sentiment_score":0.14122632145881653},{"text":"Perfect.","start":1061.5851,"end":1062.0851,"sentiment":"neutral","sentiment_score":0.06182843819260597},{"text":"Now, Peter, that tells me here that you have come out as a balanced growth investor.","start":1062.865,"end":1069.285,"sentiment":"neutral","sentiment_score":0.23653954733163118},{"text":"And at the moment, we have you in a growth portfolio.","start":1070.81,"end":1074.67,"sentiment":"neutral","sentiment_score":0.1156607683409344}],"sentiment":"neutral","sentiment_score":0.1771442260593176,"num_words":30,"start":1060.865,"end":1074.67},{"sentences":[{"text":"Do you know the difference between those two at all?","start":1075.61,"end":1078.91,"sentiment":"neutral","sentiment_score":0.024222119711339474},{"text":"No.","start":1081.61,"end":1082.11,"sentiment":"neutral","sentiment_score":-0.16609235107898712},{"text":"So in a growth portfolio, which is how you are currently invested, it is typically for investors who are looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time.","start":1082.5249,"end":1096.1449,"sentiment":"neutral","sentiment_score":0.016694354882929474},{"text":"Also, someone who is you know, understand that there will be some higher level of fluctuations in order to achieve that growth.","start":1096.83,"end":1106.45,"sentiment":"neutral","sentiment_score":-0.00038587149571288717},{"text":"Now when it comes to how the money is actually then invested, we see about 80 invested in what we call your growth assets.","start":1107.23,"end":1118.605,"sentiment":"neutral","sentiment_score":0.14732941146939993}],"sentiment":"neutral","sentiment_score":0.04403422416197424,"num_words":97,"start":1075.61,"end":1118.605},{"sentences":[{"text":"Now this is a combination of Australian shares, international shares, and property as well, And that is what's going to maximize the growth for you.","start":1118.985,"end":1131.18,"sentiment":"positive","sentiment_score":0.3921938174962997},{"text":"And then we have about 20% in defensive.","start":1131.8,"end":1135.18,"sentiment":"neutral","sentiment_score":0.15624006744474173},{"text":"So that would be a combination of fixed interest, cash, and gold to try not limit fluctuations a little bit.","start":1135.9601,"end":1142.985,"sentiment":"neutral","sentiment_score":0.13919310811907054},{"text":"Now the difference then between a balanced growth is kind of on the scale that is one step down, so slightly more defensive.","start":1144.025,"end":1152.525,"sentiment":"neutral","sentiment_score":0.02408544962172923},{"text":"Now a balanced growth is typically for investors who are looking at getting some growth still out of your superannuation while you are working and you are contributing through this superannuation from your employer, but you want a slightly more conservative element to your portfolio in order to kinda limit fluctuations a little bit because you don't have as much time.","start":1153.145,"end":1175.785,"sentiment":"neutral","sentiment_score":0.13182032181591283}],"sentiment":"neutral","sentiment_score":0.16374914679866637,"num_words":137,"start":1118.985,"end":1175.785},{"sentences":[{"text":"Now when it then comes to the money being invested, it's about a 10% difference from the growth one.","start":1176.725,"end":1183.845,"sentiment":"neutral","sentiment_score":0.09030862505498685},{"text":"So you will have about 70% in growth.","start":1183.845,"end":1186.65,"sentiment":"neutral","sentiment_score":0.20978365652263165},{"text":"So still focusing on growing it, but then you have about 30 in defensive to limit fluctuations a little bit.","start":1186.97,"end":1194.67,"sentiment":"neutral","sentiment_score":0.16845813505351542},{"text":"Does that make sense?","start":1194.73,"end":1195.9501,"sentiment":"neutral","sentiment_score":0.13964210450649261},{"text":"Yeah.","start":1197.53,"end":1198.03,"sentiment":"neutral","sentiment_score":0.1595030128955841}],"sentiment":"neutral","sentiment_score":0.1438724473118782,"num_words":52,"start":1176.725,"end":1198.03},{"sentences":[{"text":"Now factoring in time as well, a balanced growth portfolio, we typically want to see about five years until retirement, making sure you have enough time for the market fluctuation.","start":1198.41,"end":1210.745,"sentiment":"neutral","sentiment_score":0.16369237477580706},{"text":"Whereas in a growth portfolio, we want at least six ideally.","start":1211.88,"end":1215.9,"sentiment":"neutral","sentiment_score":0.1533285921270197},{"text":"So from that, do you feel like there's one that you align with a little bit more?","start":1217.16,"end":1222.62,"sentiment":"neutral","sentiment_score":0.11067254972808502},{"text":"Yeah.","start":1231.175,"end":1231.495,"sentiment":"neutral","sentiment_score":0.07869081199169159},{"text":"The balance growth.","start":1231.495,"end":1232.635,"sentiment":"neutral","sentiment_score":0.10961758593718211}],"sentiment":"neutral","sentiment_score":0.1433284301911631,"num_words":62,"start":1198.41,"end":1232.635},{"sentences":[{"text":"Yeah.","start":1239.1101,"end":1239.3501,"sentiment":"neutral","sentiment_score":0.2116033434867859},{"text":"Because what I can do for you, Peter, especially as you are getting closer, and I think what you were telling me, a balance growth is quite suitable.","start":1239.3501,"end":1248.17,"sentiment":"positive","sentiment_score":0.3912817644221442},{"text":"But, obviously, before you make up your mind, what I would like to do is because every time we do make a change, there there can be some capital gains tax, which we wanna minimize, but then also you wanna look at, you know, total fees and also the performance between the two portfolio and how that's going to change things for you.","start":1248.8351,"end":1269.78,"sentiment":"neutral","sentiment_score":0.19855135655592357},{"text":"So what I can do is that I'm more than happy to do do some research between your current growth portfolio and a potential balance growth portfolio, especially because it's been a little bit of time as well with your investments.","start":1270.24,"end":1284.8049,"sentiment":"neutral","sentiment_score":0.3120956519028036},{"text":"And, obviously, a lot has happened in the market in the last twelve months, and it is good to do a bit of a bit of an assessment and see if there's anyone that has underperformed, if we wanna change anything.","start":1284.865,"end":1295.68,"sentiment":"neutral","sentiment_score":0.1827887040449352}],"sentiment":"neutral","sentiment_score":0.2526809586447546,"num_words":174,"start":1239.1101,"end":1295.68},{"sentences":[{"text":"So I'm more than happy to put together a proposal for you, run that through with you, and then you can see what it would look like if we do move to a balance growth to reduce risk a little bit.","start":1296.38,"end":1309.9249,"sentiment":"positive","sentiment_score":0.4383329770913938},{"text":"That way you have all the information.","start":1310.945,"end":1312.885,"sentiment":"positive","sentiment_score":0.361227742263249},{"text":"And then following that, you can decide if you would like to go ahead with the change or if you prefer to leave it as is.","start":1313.1849,"end":1319.79,"sentiment":"neutral","sentiment_score":0.23753149091051176},{"text":"But then at least you have a little bit more information.","start":1319.79,"end":1322.05,"sentiment":"neutral","sentiment_score":0.13532097366723148},{"text":"Would that be helpful?","start":1322.99,"end":1324.05,"sentiment":"neutral","sentiment_score":0.15324199944734573}],"sentiment":"neutral","sentiment_score":0.3233434126785632,"num_words":89,"start":1296.38,"end":1324.05},{"sentences":[{"text":"Yeah?","start":1325.39,"end":1325.87,"sentiment":"neutral","sentiment_score":0.10845485329627992},{"text":"Okay.","start":1325.87,"end":1326.37,"sentiment":"neutral","sentiment_score":0.20944230258464813},{"text":"Perfect.","start":1326.51,"end":1327.01,"sentiment":"positive","sentiment_score":0.4534311890602112},{"text":"Now it will take me about a week to put that together for you.","start":1328.91,"end":1333.65,"sentiment":"neutral","sentiment_score":0.24075973353215627},{"text":"Do you know what your schedule is like next week at all?","start":1333.9451,"end":1338.2051,"sentiment":"neutral","sentiment_score":0.10578653899331887}],"sentiment":"neutral","sentiment_score":0.1866001062865915,"num_words":29,"start":1325.39,"end":1338.2051},{"sentences":[{"text":"Yeah?","start":1342.105,"end":1342.5851,"sentiment":"neutral","sentiment_score":0.051498617976903915},{"text":"Okay.","start":1342.5851,"end":1343.0851,"sentiment":"neutral","sentiment_score":0.05980224162340164},{"text":"Ah, lovely.","start":1343.865,"end":1344.8451,"sentiment":"positive","sentiment_score":0.3461054861545563},{"text":"Now let me have a look.","start":1346.745,"end":1348.125,"sentiment":"neutral","sentiment_score":0.07090877182781696},{"text":"Now let me have do you normally prefer mornings or afternoons or around kind of lunchtime?","start":1350.54,"end":1355.6,"sentiment":"neutral","sentiment_score":0.10395448748022318}],"sentiment":"neutral","sentiment_score":0.1112398562523035,"num_words":26,"start":1342.105,"end":1355.6},{"sentences":[{"text":"Midmorning?","start":1359.58,"end":1360.08,"sentiment":"neutral","sentiment_score":0.09961410611867905},{"text":"Okay.","start":1360.855,"end":1361.355,"sentiment":"neutral","sentiment_score":0.08017191290855408},{"text":"So at the moment, I have availability.","start":1361.735,"end":1365.195,"sentiment":"neutral","sentiment_score":0.06999525214944567},{"text":"So on Wednesday, the twenty second, I could do either at 12PM or I could do 09:30.","start":1365.495,"end":1378.67,"sentiment":"neutral","sentiment_score":0.021986312287695268},{"text":"Otherwise, Thursday the twenty third, I could do 11AM again.","start":1380.0901,"end":1385.0701,"sentiment":"neutral","sentiment_score":0.0157852821983397}],"sentiment":"neutral","sentiment_score":0.0333714698596547,"num_words":36,"start":1359.58,"end":1385.0701},{"sentences":[{"text":"09:30?","start":1387.5449,"end":1388.2849,"sentiment":"neutral","sentiment_score":0.017710136249661446},{"text":"Alright.","start":1388.345,"end":1388.745,"sentiment":"neutral","sentiment_score":0.25137123465538025},{"text":"Perfect.","start":1388.745,"end":1389.245,"sentiment":"positive","sentiment_score":0.48435449600219727},{"text":"Well, I will yeah?","start":1389.3849,"end":1392.9249,"sentiment":"neutral","sentiment_score":0.1570868194103241},{"text":"09:30 on Wednesday?","start":1393.225,"end":1394.445,"sentiment":"neutral","sentiment_score":0.028653628813723724}],"sentiment":"neutral","sentiment_score":0.14677440309897066,"num_words":10,"start":1387.5449,"end":1394.445},{"sentences":[{"text":"Yep.","start":1394.985,"end":1395.3049,"sentiment":"neutral","sentiment_score":0.12624093890190125},{"text":"Okay.","start":1395.3049,"end":1395.705,"sentiment":"neutral","sentiment_score":0.27639153599739075},{"text":"Perfect.","start":1395.705,"end":1396.205,"sentiment":"positive","sentiment_score":0.5655220746994019},{"text":"I will book that in for you, Peter.","start":1396.825,"end":1399.465,"sentiment":"positive","sentiment_score":0.4310061074793339},{"text":"If anything does change, if you change any of your plans and you can't make it, just let me know, and I will we can see if we can get that rescheduled for you.","start":1399.465,"end":1411.1101,"sentiment":"neutral","sentiment_score":0.11507576583501171}],"sentiment":"neutral","sentiment_score":0.18508398772941695,"num_words":45,"start":1394.985,"end":1411.1101},{"sentences":[{"text":"Now the last thing I do wanna let you know as well is that I have sent you an email with some documents.","start":1413.81,"end":1419.375,"sentiment":"neutral","sentiment_score":0.07032662840641063},{"text":"Now, obviously, as you're driving, please don't get it up.","start":1419.435,"end":1422.155,"sentiment":"neutral","sentiment_score":-0.22191960141062736},{"text":"It wouldn't be safe to do so.","start":1422.155,"end":1423.8351,"sentiment":"neutral","sentiment_score":-0.3051641285419464},{"text":"So later when you are not driving and when you have a bit of time, just have a look through them and let me know if you have any questions.","start":1423.8351,"end":1432.655,"sentiment":"neutral","sentiment_score":0.005784373357892036},{"text":"But, basically, what I have sent you is a summary of your superannuation.","start":1433.4299,"end":1439.5299,"sentiment":"neutral","sentiment_score":0.16072557408076066}],"sentiment":"neutral","sentiment_score":-0.005721310804407281,"num_words":83,"start":1413.81,"end":1439.5299},{"sentences":[{"text":"So it does show you your current superannuation with hub twenty four and that your current balance is about 258,556.","start":1440.71,"end":1452.1749,"sentiment":"neutral","sentiment_score":0.16917327083647252},{"text":"Now it also shows you a performance report.","start":1453.0349,"end":1457.135,"sentiment":"neutral","sentiment_score":0.025865715462714434},{"text":"So it shows you kind of how your investments have performed in the last twelve months.","start":1457.275,"end":1462.5499,"sentiment":"neutral","sentiment_score":0.09401163272559643},{"text":"And now I'm sure you've obviously heard on on the news the bit of fluctuations we have had in the last twelve months.","start":1463.49,"end":1469.4099,"sentiment":"neutral","sentiment_score":0.007094144335259562},{"text":"So, obviously, first with US and then Trump and tariffs and everything saw a bit of movement.","start":1469.4099,"end":1474.5499,"sentiment":"neutral","sentiment_score":0.005195627098574358}],"sentiment":"neutral","sentiment_score":0.06364366957651717,"num_words":84,"start":1440.71,"end":1474.5499},{"sentences":[{"text":"And, obviously, more recently with the war as well, we have seen a bit of movement.","start":1474.845,"end":1479.6649,"sentiment":"neutral","sentiment_score":0.02251900127157569},{"text":"Now in saying that, though, and this is all after fees.","start":1480.765,"end":1484.0449,"sentiment":"neutral","sentiment_score":-0.0025735334916548295},{"text":"So after all fees have been deducted from your account, your portfolio has still, you know, gone up in the last twelve months, which is good given what has happened.","start":1484.0449,"end":1493.02,"sentiment":"neutral","sentiment_score":0.24292517652114232},{"text":"The last twelve months, it's about 5.35%.","start":1493.9601,"end":1497.8201,"sentiment":"neutral","sentiment_score":0.1763901827590806},{"text":"Now that also attributes to the fact that you are in a growth portfolio, so you can see more fluctuations when there are more volatility in the market.","start":1498.52,"end":1507.295,"sentiment":"neutral","sentiment_score":0.13454267382621765}],"sentiment":"neutral","sentiment_score":0.13719213689151016,"num_words":92,"start":1474.845,"end":1507.295},{"sentences":[{"text":"So like I said, I will do a bit more in-depth on the difference between your your growth and your balance growth and also deep diving into some of those investments to see if there's potentially some we wanna change out for some other ones for you.","start":1508.0751,"end":1524.1499,"sentiment":"neutral","sentiment_score":0.07192571334382321},{"text":"Now what you will also see is an OQ services guide.","start":1525.73,"end":1529.785,"sentiment":"neutral","sentiment_score":0.0716911456124349},{"text":"Now you probably would have seen this a couple of times before.","start":1529.785,"end":1532.425,"sentiment":"neutral","sentiment_score":0.08675085939466953},{"text":"It is one of those compliance documents, but it does give you all the important information in regards to us here at OQ.","start":1532.425,"end":1539.305,"sentiment":"neutral","sentiment_score":0.154942254981269},{"text":"So when you have a moment, just have a read through it.","start":1539.305,"end":1542.06,"sentiment":"neutral","sentiment_score":0.16213121948142847}],"sentiment":"neutral","sentiment_score":0.10208921847598894,"num_words":105,"start":1508.0751,"end":1542.06},{"sentences":[{"text":"None of the important information has changed, but we've had a bit of an extension to the team, which is nice, and also a bit of an update marketing.","start":1542.54,"end":1551.04,"sentiment":"positive","sentiment_score":0.3426948595663597},{"text":"If you do wanna have a read over it, you will actually see myself on page 10 if you do wanna put a face to the voice as well.","start":1551.18,"end":1558.895,"sentiment":"neutral","sentiment_score":0.20090468767388114},{"text":"And then the last two documents, it will ask you to add a signature if you are happy to do so.","start":1561.195,"end":1567.2949,"sentiment":"neutral","sentiment_score":0.13189724442504702},{"text":"Now one is a tax fund number form.","start":1567.4349,"end":1570.495,"sentiment":"neutral","sentiment_score":0.20603537186980247},{"text":"It basically just says that we are keeping your tax fund number secure and safe on-site.","start":1570.9601,"end":1576.18,"sentiment":"neutral","sentiment_score":0.297203429043293}],"sentiment":"neutral","sentiment_score":0.24211424118974834,"num_words":103,"start":1542.54,"end":1576.18},{"sentences":[{"text":"The other one is your ongoing service agreement.","start":1578.16,"end":1582.18,"sentiment":"neutral","sentiment_score":0.19546615704894066},{"text":"So this is the one to say that you are happy to stay on as a client.","start":1582.64,"end":1586.865,"sentiment":"positive","sentiment_score":0.4900236778399524},{"text":"Now, Peter, there is no changes whatsoever in regards to the fee structure.","start":1587.565,"end":1591.8049,"sentiment":"neutral","sentiment_score":0.05241729519688166},{"text":"So it hasn't increased or anything like that.","start":1591.8049,"end":1593.725,"sentiment":"neutral","sentiment_score":0.07522852532565594},{"text":"It stays exactly the same at 1.65 from superannuation, and it is not a lock in contract.","start":1593.725,"end":1601.5499,"sentiment":"neutral","sentiment_score":0.13461604714393616}],"sentiment":"neutral","sentiment_score":0.21374377176638634,"num_words":63,"start":1578.16,"end":1601.5499},{"sentences":[{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":1601.69,"end":1606.4299,"sentiment":"neutral","sentiment_score":0.015334516970647706},{"text":"But by signing this, otherwise, it allows us to manage all your investments and everything for you in the meantime.","start":1606.97,"end":1612.75,"sentiment":"neutral","sentiment_score":0.27710721343755723},{"text":"Does that make sense?","start":1612.97,"end":1614.11,"sentiment":"neutral","sentiment_score":0.15906421840190887},{"text":"Yep.","start":1614.6649,"end":1615.065,"sentiment":"neutral","sentiment_score":0.2017812728881836},{"text":"Perfect.","start":1615.065,"end":1615.565,"sentiment":"positive","sentiment_score":0.6204574108123779}],"sentiment":"neutral","sentiment_score":0.16537866208025,"num_words":44,"start":1601.69,"end":1615.565},{"sentences":[{"text":"And it's not like a one off fee that comes out of your account once a year either.","start":1616.585,"end":1621.225,"sentiment":"neutral","sentiment_score":0.2324952772921986},{"text":"It is just deducted month monthly to give you that flexibility as well.","start":1621.225,"end":1625.325,"sentiment":"neutral","sentiment_score":0.2768122313114313},{"text":"Yep.","start":1626.92,"end":1627.42,"sentiment":"neutral","sentiment_score":0.10694140195846558},{"text":"Now do you have questions in regards to anything I have gone through today?","start":1628.44,"end":1632.14,"sentiment":"neutral","sentiment_score":0.08397583716682025},{"text":"For age pension, do you mean?","start":1647.575,"end":1650.235,"sentiment":"neutral","sentiment_score":0.02426092854390542}],"sentiment":"neutral","sentiment_score":0.17714697484356853,"num_words":52,"start":1616.585,"end":1650.235},{"sentences":[{"text":"Mhmm.","start":1658.71,"end":1659.21,"sentiment":"neutral","sentiment_score":-0.14749112725257874},{"text":"No.","start":1660.9501,"end":1661.4501,"sentiment":"neutral","sentiment_score":-0.1914372742176056},{"text":"Sorry.","start":1661.83,"end":1662.33,"sentiment":"neutral","sentiment_score":-0.1965654343366623},{"text":"No.","start":1663.365,"end":1663.865,"sentiment":"negative","sentiment_score":-0.5525110960006714},{"text":"Correct.","start":1665.125,"end":1665.625,"sentiment":"neutral","sentiment_score":-0.0011974014341831207}],"sentiment":"neutral","sentiment_score":-0.21784046664834023,"num_words":5,"start":1658.71,"end":1665.625},{"sentences":[{"text":"Sorry.","start":1665.765,"end":1666.245,"sentiment":"neutral","sentiment_score":-0.06511697173118591},{"text":"The choice is completely up to you.","start":1666.245,"end":1668.0851,"sentiment":"neutral","sentiment_score":0.30325376774583546},{"text":"Now if you decided that you wanna retire today as you have turned 60, you could realistically take everything completely tax free.","start":1668.0851,"end":1675.785,"sentiment":"neutral","sentiment_score":0.2598053203387694},{"text":"If you are still working, there are restrictions between 60 and 65.","start":1677.2001,"end":1682.5801,"sentiment":"neutral","sentiment_score":0.09822937070081632},{"text":"In that, you can take up to 10% tax free.","start":1682.9601,"end":1686.98,"sentiment":"neutral","sentiment_score":0.17657055482268333}],"sentiment":"neutral","sentiment_score":0.2061122008957542,"num_words":52,"start":1665.765,"end":1686.98},{"sentences":[{"text":"After 65, there is no restrictions on how much you can take out if you are still working.","start":1687.68,"end":1693.0751,"sentiment":"neutral","sentiment_score":0.10964506885243787},{"text":"But like I said, if you decide tomorrow to stop working, you can take everything.","start":1693.295,"end":1697.555,"sentiment":"neutral","sentiment_score":0.1755268707871437},{"text":"You can decide how you want to take it.","start":1698.0951,"end":1700.415,"sentiment":"positive","sentiment_score":0.3456242018275791},{"text":"You can take it all as a lump sum, or what most people do is to just draw an income.","start":1700.415,"end":1706.45,"sentiment":"neutral","sentiment_score":0.27613112404942514},{"text":"Because by drawing an income, it gives you more, obviously, flexibility, but it also ensures that the rest of the money that you haven't taken out, instead of it being, like, in a in a cash account, it will continue to be invested and continue to grow.","start":1706.6699,"end":1720.955,"sentiment":"positive","sentiment_score":0.3705919071080837}],"sentiment":"neutral","sentiment_score":0.2812621489235567,"num_words":109,"start":1687.68,"end":1720.955},{"sentences":[{"text":"You can obviously adjust how much you want to take out depending on your life situation and what is going on.","start":1721.4149,"end":1728.475,"sentiment":"neutral","sentiment_score":0.16138235727945963},{"text":"Yeah.","start":1731.35,"end":1731.6699,"sentiment":"neutral","sentiment_score":0.13831853866577148},{"text":"This yeah.","start":1731.6699,"end":1732.97,"sentiment":"neutral","sentiment_score":0.12060365080833435},{"text":"Mhmm.","start":1736.5499,"end":1737.0499,"sentiment":"neutral","sentiment_score":0.007093226537108421},{"text":"Mhmm.","start":1745.525,"end":1746.025,"sentiment":"neutral","sentiment_score":-0.0010138154029846191}],"sentiment":"neutral","sentiment_score":0.14517825978020063,"num_words":26,"start":1721.4149,"end":1746.025},{"sentences":[{"text":"Mhmm.","start":1757.94,"end":1758.44,"sentiment":"neutral","sentiment_score":0.000765698030591011},{"text":"Yeah.","start":1760.1,"end":1760.6,"sentiment":"neutral","sentiment_score":0.024606529623270035},{"text":"Yes and no.","start":1762.98,"end":1764.12,"sentiment":"neutral","sentiment_score":-0.007686129460732142},{"text":"Not typically because it is designed to provide for each of your retirement.","start":1764.66,"end":1771.705,"sentiment":"neutral","sentiment_score":-0.03282133719095817},{"text":"Now if you wanted 1com combined super fund, the only way to do that is through a self managed super fund, because then you can have two trustees.","start":1772.4049,"end":1783.24,"sentiment":"neutral","sentiment_score":0.08761179806398493}],"sentiment":"neutral","sentiment_score":0.04410362612132145,"num_words":46,"start":1757.94,"end":1783.24},{"sentences":[{"text":"So yeah.","start":1783.46,"end":1784.36,"sentiment":"neutral","sentiment_score":0.04487659502774477},{"text":"There is ways where you can move money.","start":1785.38,"end":1788.6799,"sentiment":"neutral","sentiment_score":0.0974682318046689},{"text":"So let's say you could like, if Kathy decides, obviously, she would have to keep her own super fund, but she could transfer money to you and vice versa through different spousal contributions.","start":1788.98,"end":1800.705,"sentiment":"neutral","sentiment_score":0.06833518409367764},{"text":"But there's obviously a lot to kind of factor in whether that would be the best for the two of you.","start":1801.405,"end":1807.665,"sentiment":"neutral","sentiment_score":0.0731984634129774},{"text":"Yeah.","start":1814.0,"end":1814.5,"sentiment":"neutral","sentiment_score":-0.05436982214450836}],"sentiment":"neutral","sentiment_score":0.07088243121711107,"num_words":65,"start":1783.46,"end":1814.5},{"sentences":[{"text":"Yeah.","start":1818.9601,"end":1819.4601,"sentiment":"neutral","sentiment_score":0.15490809082984924},{"text":"Yeah.","start":1819.6001,"end":1820.1001,"sentiment":"neutral","sentiment_score":0.17689108848571777},{"text":"Well, at least it's good, though, because you will get some money, obviously, by working.","start":1823.9951,"end":1828.0751,"sentiment":"positive","sentiment_score":0.4501969834168752},{"text":"Your employer will pay a little bit, which obviously will will help as well, which which is good.","start":1828.0751,"end":1833.775,"sentiment":"positive","sentiment_score":0.4587881449196074},{"text":"But, yeah, it is a good question because a lot of people do ask.","start":1836.1901,"end":1839.0701,"sentiment":"neutral","sentiment_score":-0.00762595422565937}],"sentiment":"neutral","sentiment_score":0.310942391427804,"num_words":49,"start":1818.9601,"end":1839.0701},{"sentences":[{"text":"But, yeah, unfortunately, because it's designed to obviously provide for your individual retirement.","start":1839.0701,"end":1844.77,"sentiment":"neutral","sentiment_score":-0.2538149861189035},{"text":"Yeah.","start":1846.75,"end":1847.0701,"sentiment":"neutral","sentiment_score":-0.08753543347120285},{"text":"At least at the moment, that's that's the rule.","start":1847.0701,"end":1849.3301,"sentiment":"neutral","sentiment_score":-0.16212063365512425},{"text":"A bit messy sometimes.","start":1855.555,"end":1856.775,"sentiment":"neutral","sentiment_score":-0.2040160447359085},{"text":"Yes.","start":1858.275,"end":1858.775,"sentiment":"neutral","sentiment_score":-0.015045136213302612}],"sentiment":"neutral","sentiment_score":-0.2027616168239287,"num_words":28,"start":1839.0701,"end":1858.775},{"sentences":[{"text":"Yeah.","start":1864.77,"end":1865.27,"sentiment":"neutral","sentiment_score":0.010000288486480711},{"text":"Exactly.","start":1865.41,"end":1865.91,"sentiment":"neutral","sentiment_score":0.032043203711509705},{"text":"Now do you guys have any other questions for me before I let you go and enjoy the rest of your morning, otherwise?","start":1867.17,"end":1872.39,"sentiment":"neutral","sentiment_score":0.09391694467352785},{"text":"No?","start":1874.29,"end":1874.79,"sentiment":"neutral","sentiment_score":0.044565267860889435},{"text":"Okay.","start":1875.1849,"end":1875.6849,"sentiment":"neutral","sentiment_score":0.11922217905521391}],"sentiment":"neutral","sentiment_score":0.08762669135574941,"num_words":27,"start":1864.77,"end":1875.6849},{"sentences":[{"text":"Perfect.","start":1875.745,"end":1876.245,"sentiment":"neutral","sentiment_score":0.29730868339538574},{"text":"Now like I said, Peter, I do have you booked in next Wednesday, the twenty second at 09:30AM to go through that research with you.","start":1877.345,"end":1884.965,"sentiment":"neutral","sentiment_score":0.11471479684114456},{"text":"In the meantime, if you could have a look through that email I sent through, have a look through spam as well in case it does end up there.","start":1885.1849,"end":1892.91,"sentiment":"neutral","sentiment_score":0.03860018929017001},{"text":"If you have any questions in regards to the document, just send me an email or give me a call.","start":1892.91,"end":1897.49,"sentiment":"neutral","sentiment_score":0.06596073992550373},{"text":"Otherwise, if you are happy to do so, it will just ask for your signature.","start":1898.19,"end":1902.13,"sentiment":"neutral","sentiment_score":0.0859507828950882}],"sentiment":"neutral","sentiment_score":0.07658956261972587,"num_words":90,"start":1875.745,"end":1902.13},{"sentences":[{"text":"It automatically comes back to us so we can get that all loaded and sorted for you.","start":1902.27,"end":1906.9551,"sentiment":"neutral","sentiment_score":0.18937363256426418},{"text":"And I will also get the team to email you that lawyer information so that you have it on hand if that would be helpful.","start":1907.255,"end":1914.9551,"sentiment":"neutral","sentiment_score":0.11120228007435799},{"text":"Yep.","start":1917.0299,"end":1917.4299,"sentiment":"neutral","sentiment_score":0.32808995246887207},{"text":"Alright.","start":1917.4299,"end":1917.9099,"sentiment":"positive","sentiment_score":0.5773740410804749},{"text":"Beautiful.","start":1917.9099,"end":1918.4099,"sentiment":"positive","sentiment_score":0.7502593994140625}],"sentiment":"neutral","sentiment_score":0.17011404774255223,"num_words":45,"start":1902.27,"end":1918.4099},{"sentences":[{"text":"Well, thank you so much for your time this morning, the two of you, and I look forward to speaking with you, Peter, next Wednesday.","start":1918.63,"end":1924.4099,"sentiment":"positive","sentiment_score":0.7723820161819458},{"text":"No worries.","start":1926.6488,"end":1927.3888,"sentiment":"neutral","sentiment_score":0.2582676112651825},{"text":"We'll speak soon.","start":1927.4489,"end":1928.4288,"sentiment":"neutral","sentiment_score":0.2174266129732132},{"text":"Bye.","start":1930.1688,"end":1930.6688,"sentiment":"neutral","sentiment_score":0.09374111890792848}],"sentiment":"positive","sentiment_score":0.6636163414485993,"num_words":31,"start":1918.63,"end":1930.6688}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Hey. Good. Thank you. Yep. Yeah. I'm driving, but that'll be fine. Yep. Yep. Yeah. My mom's paying for it. Yep. That's Peter William Clark. First of the 06/09/1966. 9 Brisbane Street, Clayton. No. I'll just say where everything's at really. Well, I'm 60 now. Just gotta start looking towards retirement. But yeah. Well, at at the moment, I've I've still got a fair bit to go on my house one. So that's if I was if that was paid for, the it ought to be totally different, but there's still still eleven still eleven years on it. But I'm paying more, so I don't know exactly when it'll end up being paid for. Yeah. Yeah. Pretty well. Well, that that would be good. But that's maybe a little bit unrealistic, but yeah. With the line on me. Yeah. No. I think that'd be better better swift. Raise me comfortable once the mortgage is good. Yes. Well, realistically, no. But yeah. You know, kids are like, they're always dependent. No. No. Their the youngest is 24. Yes. Yes. Yep. 0428, 559 4450. Yeah. Yeah. It's still the site. Yep. Yes. It's about 1,800 a fortnight. Yeah. Yep. That's Well, that's that's hard to tell because I could get $500 on a weekend or I can get none. So just it's been hard to really if you can average it out average it out maybe 300 a week. Weekends? Yeah. On on a weekend. Yes. When if because I don't work every weekend. I don't work every every day on the weekend. So it just depends on if you if you put an average in to probably probably say 300. That's only, I guess. Yeah. Yeah. That that could be changing soon too because of long story, but our mill looks like slowing down, which wherever the work comes from. So anyway but at the moment, that's why it is it. No. No. Yep. No. I haven't been there. Yeah. Probably a bit more. You could probably get a fixed line. Yeah. Tell me if buying all the bills and everything because there's nothing left out of this. Yep. Yeah. I'm not really sure if it's still the same or what. Right. I just got a bed covered in mine there. Yes. Yeah. Well, that's that's sorry. No. You're right. Yeah. Yeah. That'll be about right there. Contents. Yeah. That's right. Yep. Yep. Well, I'm not sure what they value on it now. Yeah. Yeah. Well, that's what we paid for it, but that what it is now, I don't know. But it's probably 30,000 now. But the Yes. We'll leave it at that. No. Not really. Nope. Correct. Yeah. No. Not at the moment. No. We've just gone through that with family stuff, and we've gotta do that very soon. Yeah. Yeah. Yeah. Well, we've we've gone through a a thing with a family member and never had a will, so we're realizing how bad it can be. So we yeah. That's one. Yeah. Immediately. That's right. Yeah. Yeah. That's right. Yep. Yeah. Well, we would just use it as a local solicitor, but I don't know who's the best for it. Mhmm. Yeah. That'll be good. Thanks. Okay. Yes. Yes. That's correct. Mhmm. No. No. Don't be don't be telling her things like that. She's sitting next to me. Good. Thank you. Yep. Yep. No. Probably high and moderate or somewhere around there. But I don't wanna lose everything in one go. Mhmm. Yeah. Yep. That's a hard one because because if you just pull out, you're losing all that money, and then just depends on all Yeah. I'd probably yeah. I'd probably hang it out in general. Probably a bit top two, but a little bit cautious. Just they're all not they don't depend on how close I am to retirement. When you start you're not starting to lose time and building it back to where it should be. Yep. Yeah. Yeah. Well, as I said, I was getting to the stage now. I'm looking towards retirement, and then I'll be a little bit yeah. But but I'm not at the stage where I can't say well, I'm just gonna have to hang off a bit longer. Not really. I don't think so. No. Originally, we took out a loan, but it's it's all combined in the in the one loan that now, so so we pay the one debt. No. Not really. Not. Mhmm. Yep. Yep. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Yep. Mhmm. Well, probably the balance, but yeah. Yeah. But I I I I reckon I might later another year is the way it is. Mhmm. Yep. Yep. Yes. Yep. Mhmm. I'm pretty free, actually. It's some I'm on holidays. So yeah. What sort of holidays? Probably midmorning at the same time. Yeah. Mhmm. Yep. Oh, we're about to add 09:30. Yep. Yeah. Yep. Yep. Okay. Yep. Not at Mhmm. Mhmm. Yep. Mhmm. Mhmm. Yep. Yep. Yep. Mhmm. No. Yeah. From retirement. So we don't have to, like, disclose the super account. We can take, like, weekly wage or monthly wage out of pool. Is that the way it goes? Yeah. No. Like, taking money out of your super, we're we don't have to take it all in one lump sum. Once you retire, you can take it as a waste. Yep. Yep. Yep. Yes. Yep. That that makes sense. So the other other question that was just thrown around in my head was, well, my wife never had an iSuper account before, and now she's and and I've got a super. I don't know whether it's right or wrong, but someone's told me about not so much combining so it's all in mind, but putting them together type thing. I don't know how it works. Is there something in that way? Yeah. No. That's right. Yeah. No. That was just something that I someone's mentioned. I didn't know how it worked. It's it I don't wanna be taking control over a super or anything like that. So it's good. Oh, okay. Thank you very much. Well, it's. Yeah. Yeah. Yeah. Yeah. Yeah. It'd be tangled up with it. Yeah. If something was happening, you broke up or something and then be all, yeah, mingled up and you gotta be a mess. Yeah. Yeah. Although we intended to do that, but I'd say I could understand why it's a little yeah. Yeah. Yeah. Yeah. No. That's pretty good. Thanks. Yeah. Yep. Yep. Yep. Mhmm. Yeah. Yep. That'd be good. Thank you. Okay. Thank you. Thank you. Okay. Bye bye.","confidence":0.9526367,"words":[{"word":"hello","start":0.48,"end":0.98,"confidence":0.982666,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.035522326827049255},{"word":"yes","start":9.36,"end":9.5199995,"confidence":0.76220703,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.16776058077812195},{"word":"hey","start":9.5199995,"end":9.76,"confidence":0.5673828,"punctuated_word":"Hey.","sentiment":"neutral","sentiment_score":0.3165842294692993},{"word":"good","start":9.76,"end":10.0,"confidence":0.97216797,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.5884336233139038},{"word":"thank","start":10.0,"end":10.24,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7384834289550781},{"word":"you","start":10.24,"end":10.74,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.7201963067054749},{"word":"yep","start":18.605,"end":19.005001,"confidence":0.9538574,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09069718420505524},{"word":"yeah","start":19.005001,"end":19.244999,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08185548335313797},{"word":"i'm","start":19.244999,"end":19.485,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.047914113849401474},{"word":"driving","start":19.485,"end":19.965,"confidence":0.93603516,"punctuated_word":"driving,","sentiment":"neutral","sentiment_score":0.04750362038612366},{"word":"but","start":19.965,"end":20.125,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.028336916118860245},{"word":"that'll","start":20.125,"end":20.365,"confidence":0.98583984,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.08996786922216415},{"word":"be","start":20.365,"end":20.525,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.077339768409729},{"word":"fine","start":20.525,"end":21.005001,"confidence":0.94384766,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1078670471906662},{"word":"yep","start":21.005001,"end":21.505001,"confidence":0.9790039,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07659578323364258},{"word":"yep","start":25.965,"end":26.205,"confidence":0.9367676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09583568572998048},{"word":"yeah","start":26.205,"end":26.365,"confidence":0.70336914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0916241705417633},{"word":"my","start":26.365,"end":26.525,"confidence":0.94970703,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.06609781831502914},{"word":"mom's","start":26.525,"end":26.845001,"confidence":0.5731201,"punctuated_word":"mom's","sentiment":"neutral","sentiment_score":0.08466722816228867},{"word":"paying","start":26.845001,"end":27.085,"confidence":0.32348633,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.1084144115447998},{"word":"for","start":27.085,"end":27.244999,"confidence":0.27685547,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15706217288970947},{"word":"it","start":27.244999,"end":27.744999,"confidence":0.4901123,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1490410566329956},{"word":"yep","start":40.39,"end":40.89,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04636946320533752},{"word":"that's","start":53.255,"end":53.655,"confidence":0.9211426,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0109824538230896},{"word":"peter","start":53.655,"end":53.975,"confidence":0.84228516,"punctuated_word":"Peter","sentiment":"neutral","sentiment_score":0.010528963059186935},{"word":"william","start":53.975,"end":54.375,"confidence":0.98828125,"punctuated_word":"William","sentiment":"neutral","sentiment_score":0.010436742566525936},{"word":"clark","start":54.375,"end":54.875,"confidence":0.8078613,"punctuated_word":"Clark.","sentiment":"neutral","sentiment_score":0.009673064574599266},{"word":"first","start":54.935,"end":55.255,"confidence":0.97314453,"punctuated_word":"First","sentiment":"neutral","sentiment_score":0.013484428636729716},{"word":"of","start":55.255,"end":55.335,"confidence":0.29125977,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01499708741903305},{"word":"the","start":55.335,"end":55.415,"confidence":0.890625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012446772307157516},{"word":"06/09/1966","start":55.415,"end":56.955,"confidence":0.80493164,"punctuated_word":"06/09/1966.","sentiment":"neutral","sentiment_score":0.015151969157159328},{"word":"9","start":57.38,"end":57.780003,"confidence":0.984375,"punctuated_word":"9","sentiment":"neutral","sentiment_score":0.009993059560656548},{"word":"brisbane","start":57.780003,"end":58.18,"confidence":0.99316406,"punctuated_word":"Brisbane","sentiment":"neutral","sentiment_score":0.023788459599018097},{"word":"street","start":58.18,"end":58.5,"confidence":0.9484863,"punctuated_word":"Street,","sentiment":"neutral","sentiment_score":0.011996710672974586},{"word":"clayton","start":58.5,"end":59.0,"confidence":0.99609375,"punctuated_word":"Clayton.","sentiment":"neutral","sentiment_score":0.026210594922304153},{"word":"no","start":78.534996,"end":78.775,"confidence":0.7780762,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12186086922883987},{"word":"i'll","start":78.775,"end":78.854996,"confidence":0.94750977,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.108387753367424},{"word":"just","start":78.854996,"end":79.095,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.14907792210578918},{"word":"say","start":79.095,"end":79.255,"confidence":0.90771484,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.13248570263385773},{"word":"where","start":79.255,"end":79.415,"confidence":0.99316406,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.14086881279945374},{"word":"everything's","start":79.415,"end":79.815,"confidence":0.95410156,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":-0.09235243499279022},{"word":"at","start":79.815,"end":80.055,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.102940633893013},{"word":"really","start":80.055,"end":80.555,"confidence":0.7519531,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.10873696208000184},{"word":"well","start":82.07,"end":82.15,"confidence":0.7919922,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.05396732687950134},{"word":"i'm","start":82.15,"end":82.39,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05673938617110253},{"word":"60","start":82.39,"end":82.869995,"confidence":0.97265625,"punctuated_word":"60","sentiment":"neutral","sentiment_score":-0.03736347705125809},{"word":"now","start":82.869995,"end":83.189995,"confidence":0.9250488,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.04050051420927048},{"word":"just","start":83.189995,"end":83.689995,"confidence":0.59228516,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.05639256536960602},{"word":"gotta","start":84.39,"end":84.71,"confidence":0.7758789,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.05656115710735321},{"word":"start","start":84.71,"end":84.95,"confidence":0.9589844,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.06369028240442276},{"word":"looking","start":84.95,"end":85.189995,"confidence":0.93847656,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.03013605624437332},{"word":"towards","start":85.189995,"end":85.59,"confidence":0.9819336,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":-0.03744541108608246},{"word":"retirement","start":85.59,"end":86.09,"confidence":0.743042,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":-0.04259178787469864},{"word":"but","start":86.149994,"end":86.63,"confidence":0.8925781,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03244051709771156},{"word":"yeah","start":86.88,"end":87.38,"confidence":0.7883301,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.01660209149122238},{"word":"well","start":98.354996,"end":98.835,"confidence":0.98657227,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.05235744267702103},{"word":"at","start":98.835,"end":99.335,"confidence":0.82666016,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10259111225605012},{"word":"at","start":99.715,"end":99.875,"confidence":0.90625,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.12368416786193848},{"word":"the","start":99.875,"end":100.034996,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07249534130096436},{"word":"moment","start":100.034996,"end":100.435,"confidence":0.9187012,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.09052680432796478},{"word":"i've","start":100.435,"end":100.935,"confidence":0.8654785,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.07349973917007446},{"word":"i've","start":101.395,"end":101.555,"confidence":0.83740234,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.07937699556350708},{"word":"still","start":101.555,"end":101.795,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.0834883451461792},{"word":"got","start":101.795,"end":102.034996,"confidence":0.9902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0999848172068596},{"word":"a","start":102.034996,"end":102.115,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08734729886054993},{"word":"fair","start":102.115,"end":102.354996,"confidence":0.9741211,"punctuated_word":"fair","sentiment":"neutral","sentiment_score":-0.07819018512964249},{"word":"bit","start":102.354996,"end":102.435,"confidence":0.9873047,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07432687282562256},{"word":"to","start":102.435,"end":102.515,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1009405106306076},{"word":"go","start":102.515,"end":102.674995,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.09820116311311722},{"word":"on","start":102.674995,"end":102.835,"confidence":0.55126953,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.08082383871078491},{"word":"my","start":102.835,"end":102.994995,"confidence":0.48217773,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.10581789910793304},{"word":"house","start":102.994995,"end":103.235,"confidence":0.98095703,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.040628645569086075},{"word":"one","start":103.235,"end":103.634995,"confidence":0.40771484,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.07130730152130127},{"word":"so","start":103.634995,"end":104.134995,"confidence":0.96435547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06782341003417969},{"word":"that's","start":105.075,"end":105.575,"confidence":0.92749023,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.05238189920783043},{"word":"if","start":105.875,"end":106.034996,"confidence":0.8339844,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06987664103507996},{"word":"i","start":106.034996,"end":106.115,"confidence":0.9267578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06643218547105789},{"word":"was","start":106.115,"end":106.274994,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.09447070956230164},{"word":"if","start":106.435,"end":106.515,"confidence":0.8413086,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06179835647344589},{"word":"that","start":106.515,"end":106.674995,"confidence":0.96240234,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0581156350672245},{"word":"was","start":106.674995,"end":106.91499,"confidence":0.98828125,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.08119003474712372},{"word":"paid","start":106.91499,"end":107.155,"confidence":0.9375,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.07215652614831924},{"word":"for","start":107.155,"end":107.555,"confidence":0.9333496,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.0781174749135971},{"word":"the","start":107.555,"end":107.795,"confidence":0.8803711,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08119004964828491},{"word":"it","start":107.954994,"end":108.115,"confidence":0.29296875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06379188597202301},{"word":"ought","start":108.115,"end":108.274994,"confidence":0.26538086,"punctuated_word":"ought","sentiment":"neutral","sentiment_score":-0.06515958160161972},{"word":"to","start":108.274994,"end":108.435,"confidence":0.98291016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04825863987207413},{"word":"be","start":108.435,"end":108.595,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.044025760143995285},{"word":"totally","start":108.595,"end":108.994995,"confidence":0.9980469,"punctuated_word":"totally","sentiment":"neutral","sentiment_score":-0.039031729102134705},{"word":"different","start":108.994995,"end":109.314995,"confidence":0.90478516,"punctuated_word":"different,","sentiment":"neutral","sentiment_score":-0.06553792953491211},{"word":"but","start":109.314995,"end":109.814995,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03216542676091194},{"word":"there's","start":110.515,"end":110.755,"confidence":0.64367676,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.06850728392601013},{"word":"still","start":110.755,"end":111.255,"confidence":0.9921875,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.05619695410132408},{"word":"still","start":111.314995,"end":111.555,"confidence":0.95166016,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.13560517132282257},{"word":"eleven","start":111.555,"end":112.055,"confidence":0.9819336,"punctuated_word":"eleven","sentiment":"neutral","sentiment_score":-0.11793315410614014},{"word":"still","start":112.65,"end":112.89001,"confidence":0.9951172,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.1484714299440384},{"word":"eleven","start":112.89001,"end":113.130005,"confidence":0.99902344,"punctuated_word":"eleven","sentiment":"neutral","sentiment_score":-0.11726010590791702},{"word":"years","start":113.130005,"end":113.37,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.11962179839611052},{"word":"on","start":113.37,"end":113.61,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.10646602511405943},{"word":"it","start":113.61,"end":113.93,"confidence":0.75341797,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.12579451501369476},{"word":"but","start":113.93,"end":114.090004,"confidence":0.84814453,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.12319952994585036},{"word":"i'm","start":114.090004,"end":114.25,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1757666915655136},{"word":"paying","start":114.25,"end":114.490005,"confidence":0.9667969,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.2300524115562439},{"word":"more","start":114.490005,"end":114.73,"confidence":0.89160156,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":-0.22420290112495425},{"word":"so","start":114.73,"end":114.810005,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1899804025888443},{"word":"i","start":114.810005,"end":114.89001,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1991887241601944},{"word":"don't","start":114.89001,"end":115.05,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13996659219264984},{"word":"know","start":115.05,"end":115.21001,"confidence":0.9941406,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.21517722308635712},{"word":"exactly","start":115.21001,"end":115.61,"confidence":0.99902344,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":-0.17066428065299988},{"word":"when","start":115.61,"end":115.69,"confidence":0.98535156,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.15405847132205963},{"word":"it'll","start":115.69,"end":116.19,"confidence":0.7434082,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":-0.17675551772117615},{"word":"end","start":116.33,"end":116.57001,"confidence":0.98828125,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.17185476422309875},{"word":"up","start":116.57001,"end":116.65,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.15907339751720428},{"word":"being","start":116.65,"end":116.97,"confidence":0.36157227,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.17238228023052216},{"word":"paid","start":116.97,"end":117.21001,"confidence":0.93115234,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.20464247465133667},{"word":"for","start":117.21001,"end":117.71001,"confidence":0.91845703,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":-0.15300044417381287},{"word":"yeah","start":129.125,"end":129.44499,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07722321897745132},{"word":"yeah","start":129.44499,"end":129.765,"confidence":0.8076172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2058542966842651},{"word":"pretty","start":129.765,"end":130.00499,"confidence":0.9921875,"punctuated_word":"Pretty","sentiment":"positive","sentiment_score":0.4436405599117279},{"word":"well","start":130.00499,"end":130.50499,"confidence":0.9753418,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2934536933898926},{"word":"well","start":146.05,"end":146.55,"confidence":0.6990967,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.0531487874686718},{"word":"that","start":147.73,"end":148.23,"confidence":0.8989258,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09737645834684372},{"word":"that","start":150.69,"end":150.85,"confidence":0.6464844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2813641130924225},{"word":"would","start":150.85,"end":151.09,"confidence":0.9951172,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2707952857017517},{"word":"be","start":151.09,"end":151.25,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.24323822557926175},{"word":"good","start":151.25,"end":151.75,"confidence":0.7746582,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.17239530384540558},{"word":"but","start":151.81,"end":152.31,"confidence":0.74365234,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.021684229373931885},{"word":"that's","start":152.61,"end":153.11,"confidence":0.7060547,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.08633719384670258},{"word":"maybe","start":155.705,"end":156.10501,"confidence":0.96533203,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.13144834339618683},{"word":"a","start":156.10501,"end":156.265,"confidence":0.6401367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18504533171653748},{"word":"little","start":156.265,"end":156.505,"confidence":0.99316406,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2035881280899048},{"word":"bit","start":156.505,"end":156.66501,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.23249204456806183},{"word":"unrealistic","start":156.66501,"end":157.16501,"confidence":0.70861816,"punctuated_word":"unrealistic,","sentiment":"neutral","sentiment_score":-0.22281888127326965},{"word":"but","start":157.38501,"end":157.465,"confidence":0.9921875,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.15446941554546356},{"word":"yeah","start":157.545,"end":158.045,"confidence":0.9880371,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.03352856636047363},{"word":"with","start":159.465,"end":159.705,"confidence":0.74560547,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.15908437967300415},{"word":"the","start":159.705,"end":159.865,"confidence":0.9536133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1356968879699707},{"word":"line","start":159.865,"end":160.10501,"confidence":0.8251953,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.0988818183541298},{"word":"on","start":160.10501,"end":160.265,"confidence":0.5029297,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09976799786090852},{"word":"me","start":160.265,"end":160.765,"confidence":0.79541016,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.12268492579460144},{"word":"yeah","start":180.68001,"end":181.18001,"confidence":0.96875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11182449012994766},{"word":"no","start":185.035,"end":185.355,"confidence":0.9511719,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13359463214874268},{"word":"i","start":185.355,"end":185.435,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15409880876541138},{"word":"think","start":185.435,"end":185.675,"confidence":0.99609375,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.12270703911781312},{"word":"that'd","start":185.675,"end":186.175,"confidence":0.8293457,"punctuated_word":"that'd","sentiment":"neutral","sentiment_score":-0.09515055269002914},{"word":"be","start":186.195,"end":186.695,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.155857652425766},{"word":"better","start":186.715,"end":187.215,"confidence":0.84277344,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.15380316972732544},{"word":"better","start":187.595,"end":187.675,"confidence":0.24291992,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.12902390956878662},{"word":"swift","start":187.675,"end":188.155,"confidence":0.35986328,"punctuated_word":"swift.","sentiment":"neutral","sentiment_score":-0.1177700087428093},{"word":"raise","start":188.155,"end":188.395,"confidence":0.35327148,"punctuated_word":"Raise","sentiment":"neutral","sentiment_score":0.0323670320212841},{"word":"me","start":188.395,"end":188.55501,"confidence":0.96777344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03823760896921158},{"word":"comfortable","start":188.55501,"end":188.955,"confidence":0.67285156,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.032060787081718445},{"word":"once","start":188.955,"end":189.275,"confidence":0.82470703,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.15477488934993744},{"word":"the","start":189.275,"end":189.435,"confidence":0.49365234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1689378321170807},{"word":"mortgage","start":189.435,"end":189.755,"confidence":0.9741211,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.25932806730270386},{"word":"is","start":189.755,"end":189.995,"confidence":0.91845703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2012746036052704},{"word":"good","start":189.995,"end":190.495,"confidence":0.8823242,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.21264564990997312},{"word":"yes","start":220.095,"end":220.595,"confidence":0.9343262,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05167822539806366},{"word":"well","start":221.695,"end":222.195,"confidence":0.97558594,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.02237120270729065},{"word":"realistically","start":223.48999,"end":223.98999,"confidence":0.98999023,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.010856036096811296},{"word":"no","start":224.68999,"end":225.01,"confidence":0.9511719,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.05495842173695564},{"word":"but","start":225.01,"end":225.16998,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0471380315721035},{"word":"yeah","start":225.32999,"end":225.82999,"confidence":0.9970703,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.030000368133187297},{"word":"you","start":226.76999,"end":226.93,"confidence":0.7963867,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.032768748700618744},{"word":"know","start":226.93,"end":227.17,"confidence":0.7998047,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.029007138684391975},{"word":"kids","start":227.17,"end":227.40999,"confidence":0.8491211,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.02027364820241928},{"word":"are","start":227.40999,"end":227.56999,"confidence":0.88720703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.023672904819250107},{"word":"like","start":227.56999,"end":227.81,"confidence":0.6414795,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.016600873321294785},{"word":"they're","start":227.81,"end":227.96999,"confidence":0.6633301,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.027609672397375107},{"word":"always","start":227.96999,"end":228.46999,"confidence":0.99121094,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.019913941621780396},{"word":"dependent","start":228.60999,"end":229.10999,"confidence":0.7734375,"punctuated_word":"dependent.","sentiment":"neutral","sentiment_score":-0.01918584480881691},{"word":"no","start":233.96999,"end":234.46999,"confidence":0.7171631,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06651818752288818},{"word":"no","start":234.93,"end":235.25,"confidence":0.99194336,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06008502095937729},{"word":"their","start":235.25,"end":235.65,"confidence":0.39624023,"punctuated_word":"Their","sentiment":"neutral","sentiment_score":-0.04798928275704384},{"word":"the","start":235.89,"end":236.04999,"confidence":0.7163086,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06760740280151367},{"word":"youngest","start":236.04999,"end":236.37,"confidence":0.9970703,"punctuated_word":"youngest","sentiment":"neutral","sentiment_score":-0.06404158473014832},{"word":"is","start":236.37,"end":236.53,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04853539168834686},{"word":"24","start":236.53,"end":237.34999,"confidence":0.99853516,"punctuated_word":"24.","sentiment":"neutral","sentiment_score":-0.04467633366584778},{"word":"yes","start":254.8,"end":255.3,"confidence":0.9741211,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06949023902416229},{"word":"yes","start":255.84,"end":256.34,"confidence":0.9970703,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11301203072071075},{"word":"yep","start":264.575,"end":264.975,"confidence":0.77563477,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0007591665489599109},{"word":"0428","start":264.975,"end":266.195,"confidence":0.866272,"punctuated_word":"0428,","sentiment":"neutral","sentiment_score":-0.00022179253573995084},{"word":"559","start":269.055,"end":270.195,"confidence":0.9967448,"punctuated_word":"559","sentiment":"neutral","sentiment_score":0.0016841152682900429},{"word":"4450","start":272.495,"end":274.115,"confidence":0.94348145,"punctuated_word":"4450.","sentiment":"neutral","sentiment_score":0.005265707150101662},{"word":"yeah","start":287.03998,"end":287.44,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028938712552189827},{"word":"yeah","start":287.44,"end":287.52,"confidence":0.7763672,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.027585653588175777},{"word":"it's","start":287.52,"end":287.75998,"confidence":0.7429199,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.025534994900226593},{"word":"still","start":287.75998,"end":288.0,"confidence":0.9790039,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.021863747388124462},{"word":"the","start":288.0,"end":288.16,"confidence":0.9091797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.022776765748858452},{"word":"site","start":288.16,"end":288.66,"confidence":0.8203125,"punctuated_word":"site.","sentiment":"neutral","sentiment_score":0.025375112891197205},{"word":"yep","start":292.195,"end":292.695,"confidence":0.9951172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03920270502567291},{"word":"yes","start":295.55502,"end":296.05502,"confidence":0.9980469,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03983104228973389},{"word":"it's","start":302.995,"end":303.23502,"confidence":0.77441406,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.016163907945156097},{"word":"about","start":303.23502,"end":303.55502,"confidence":0.9819336,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.009994344785809515},{"word":"1,800","start":303.55502,"end":304.195,"confidence":0.8054199,"punctuated_word":"1,800","sentiment":"neutral","sentiment_score":0.00882786512374878},{"word":"a","start":304.195,"end":304.27502,"confidence":0.84228516,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.010604295879602432},{"word":"fortnight","start":304.27502,"end":304.77502,"confidence":0.9975586,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":0.002296780701726675},{"word":"yeah","start":309.31,"end":309.79,"confidence":0.98999023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01937975361943245},{"word":"yep","start":309.79,"end":310.29,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02035607397556305},{"word":"that's","start":311.38998,"end":311.88998,"confidence":0.8059082,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.016132919117808342},{"word":"well","start":319.465,"end":319.705,"confidence":0.90844727,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.04225504770874977},{"word":"that's","start":319.705,"end":320.205,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.08047810196876526},{"word":"that's","start":320.825,"end":321.325,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1140301451086998},{"word":"hard","start":321.625,"end":321.865,"confidence":0.96777344,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.1726083606481552},{"word":"to","start":321.865,"end":322.105,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17604276537895203},{"word":"tell","start":322.105,"end":322.425,"confidence":0.9980469,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":-0.12121788412332536},{"word":"because","start":322.425,"end":322.925,"confidence":0.9316406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.14488014578819275},{"word":"i","start":323.465,"end":323.625,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13875620067119598},{"word":"could","start":323.625,"end":323.785,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.14672261476516724},{"word":"get","start":323.785,"end":324.285,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.15386797487735748},{"word":"$500","start":325.065,"end":325.865,"confidence":1.0,"punctuated_word":"$500","sentiment":"neutral","sentiment_score":-0.09071534872055054},{"word":"on","start":325.865,"end":326.025,"confidence":0.90625,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.11375558376312256},{"word":"a","start":326.025,"end":326.105,"confidence":0.9160156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12958401441574097},{"word":"weekend","start":326.105,"end":326.425,"confidence":0.984375,"punctuated_word":"weekend","sentiment":"neutral","sentiment_score":-0.1074201911687851},{"word":"or","start":326.425,"end":326.54498,"confidence":0.90283203,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.14698736369609833},{"word":"i","start":326.54498,"end":326.665,"confidence":0.484375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15260857343673706},{"word":"can","start":326.665,"end":326.825,"confidence":0.9301758,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.16649949550628662},{"word":"get","start":326.825,"end":327.065,"confidence":0.9951172,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.16232724487781525},{"word":"none","start":327.065,"end":327.465,"confidence":0.81518555,"punctuated_word":"none.","sentiment":"neutral","sentiment_score":-0.12526355683803558},{"word":"so","start":327.465,"end":327.965,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05169019103050232},{"word":"just","start":329.705,"end":329.785,"confidence":0.32861328,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.042226508259773254},{"word":"it's","start":330.825,"end":330.985,"confidence":0.98706055,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.05064583569765091},{"word":"been","start":330.985,"end":331.225,"confidence":0.86865234,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.07616379112005234},{"word":"hard","start":331.225,"end":331.465,"confidence":0.8984375,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.1022818610072136},{"word":"to","start":331.465,"end":331.965,"confidence":0.8745117,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08096721768379211},{"word":"really","start":332.105,"end":332.265,"confidence":0.81933594,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.061423517763614655},{"word":"if","start":333.74002,"end":333.82,"confidence":0.96533203,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04491084069013595},{"word":"you","start":333.82,"end":333.90002,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04572485759854317},{"word":"can","start":333.90002,"end":334.22,"confidence":0.62109375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.023770060390233994},{"word":"average","start":334.22,"end":334.54,"confidence":0.9970703,"punctuated_word":"average","sentiment":"neutral","sentiment_score":-0.03834158927202225},{"word":"it","start":334.54,"end":335.04,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.028294384479522705},{"word":"out","start":335.18002,"end":335.34003,"confidence":0.99121094,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.026130735874176025},{"word":"average","start":335.34003,"end":335.66,"confidence":0.4165039,"punctuated_word":"average","sentiment":"neutral","sentiment_score":-0.049703199416399},{"word":"it","start":335.66,"end":335.82,"confidence":0.9760742,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03023752197623253},{"word":"out","start":335.82,"end":335.98,"confidence":0.9428711,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.024525362998247147},{"word":"maybe","start":335.98,"end":336.48,"confidence":0.734375,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.034878410398960114},{"word":"300","start":337.42,"end":337.98,"confidence":0.9851074,"punctuated_word":"300","sentiment":"neutral","sentiment_score":-0.028366748243570328},{"word":"a","start":337.98,"end":338.48,"confidence":0.29760742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02787717618048191},{"word":"week","start":338.86002,"end":339.36002,"confidence":0.8449707,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.03738538548350334},{"word":"weekends","start":340.54,"end":341.04,"confidence":0.79508466,"punctuated_word":"Weekends?","sentiment":"neutral","sentiment_score":-0.020670566707849503},{"word":"yeah","start":341.98,"end":342.48,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.014945533126592636},{"word":"on","start":342.62003,"end":342.78,"confidence":0.78027344,"punctuated_word":"On","sentiment":"neutral","sentiment_score":-0.016699306666851044},{"word":"on","start":342.78,"end":342.94,"confidence":0.80126953,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.015858815982937813},{"word":"a","start":342.94,"end":343.02002,"confidence":0.84277344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.016223471611738205},{"word":"weekend","start":343.02002,"end":343.5,"confidence":0.9628906,"punctuated_word":"weekend.","sentiment":"neutral","sentiment_score":-0.016579780727624893},{"word":"yes","start":343.5,"end":344.0,"confidence":0.8066406,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.007991405203938484},{"word":"when","start":344.06,"end":344.38,"confidence":0.76660156,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.01243358850479126},{"word":"if","start":344.46002,"end":344.86002,"confidence":0.73779297,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.014768983237445354},{"word":"because","start":345.02002,"end":345.34003,"confidence":0.9951172,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.05871991068124771},{"word":"i","start":345.34003,"end":345.42,"confidence":0.9560547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07030802965164185},{"word":"don't","start":345.42,"end":345.66,"confidence":0.97753906,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0805530697107315},{"word":"work","start":345.66,"end":345.90002,"confidence":0.97998047,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.09457225352525712},{"word":"every","start":345.90002,"end":346.14,"confidence":0.9980469,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.11279602348804474},{"word":"weekend","start":346.14,"end":346.54,"confidence":0.7558594,"punctuated_word":"weekend.","sentiment":"neutral","sentiment_score":-0.09681425243616104},{"word":"i","start":346.54,"end":346.7,"confidence":0.97802734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1139867901802063},{"word":"don't","start":346.7,"end":346.86002,"confidence":0.99194336,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.10365760326385498},{"word":"work","start":346.86002,"end":347.1,"confidence":0.98828125,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.09000924974679947},{"word":"every","start":347.1,"end":347.34003,"confidence":0.9892578,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.09664147347211838},{"word":"every","start":347.34003,"end":347.66,"confidence":0.91748047,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.09247203171253204},{"word":"day","start":347.66,"end":347.82,"confidence":0.99609375,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.08280996978282928},{"word":"on","start":347.82,"end":347.98,"confidence":0.92822266,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09292858093976974},{"word":"the","start":347.98,"end":348.06,"confidence":0.6201172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07112816721200943},{"word":"weekend","start":348.06,"end":348.38,"confidence":0.5810547,"punctuated_word":"weekend.","sentiment":"neutral","sentiment_score":-0.08198369294404984},{"word":"so","start":348.38,"end":348.795,"confidence":0.875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05834485590457916},{"word":"it","start":349.11502,"end":349.195,"confidence":0.7939453,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03977518528699875},{"word":"just","start":349.195,"end":349.43503,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04791256785392761},{"word":"depends","start":349.43503,"end":349.755,"confidence":0.99902344,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":-0.04051225632429123},{"word":"on","start":349.755,"end":349.99503,"confidence":0.44873047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04076797515153885},{"word":"if","start":349.99503,"end":350.155,"confidence":0.35205078,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.048477571457624435},{"word":"you","start":350.155,"end":350.315,"confidence":0.94384766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04425713047385216},{"word":"if","start":350.315,"end":350.475,"confidence":0.7211914,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04477481544017792},{"word":"you","start":350.475,"end":350.55502,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04216095805168152},{"word":"put","start":350.55502,"end":350.71503,"confidence":0.97802734,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.03842558711767197},{"word":"an","start":350.71503,"end":350.875,"confidence":0.9902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.04355308786034584},{"word":"average","start":350.875,"end":351.11502,"confidence":0.9980469,"punctuated_word":"average","sentiment":"neutral","sentiment_score":-0.05274762585759163},{"word":"in","start":351.11502,"end":351.355,"confidence":0.9116211,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04249988868832588},{"word":"to","start":351.355,"end":351.515,"confidence":0.3088379,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.045102305710315704},{"word":"probably","start":351.515,"end":352.015,"confidence":0.92578125,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.03902353346347809},{"word":"probably","start":352.475,"end":352.875,"confidence":0.9140625,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.04111018031835556},{"word":"say","start":352.875,"end":353.11502,"confidence":0.7236328,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.02655748650431633},{"word":"300","start":353.11502,"end":353.695,"confidence":0.71099854,"punctuated_word":"300.","sentiment":"neutral","sentiment_score":-0.01852124929428101},{"word":"that's","start":354.155,"end":354.39502,"confidence":0.8132324,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.04742610082030296},{"word":"only","start":354.39502,"end":354.635,"confidence":0.42456055,"punctuated_word":"only,","sentiment":"neutral","sentiment_score":-0.05601435527205467},{"word":"i","start":354.635,"end":354.71503,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06186828762292862},{"word":"guess","start":354.71503,"end":355.21503,"confidence":0.9638672,"punctuated_word":"guess.","sentiment":"neutral","sentiment_score":-0.06907664239406586},{"word":"yeah","start":360.795,"end":361.11502,"confidence":0.7763672,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.017488855868577957},{"word":"yeah","start":361.11502,"end":361.61502,"confidence":0.76171875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.013095262460410597},{"word":"that","start":362.50998,"end":362.59,"confidence":0.5366211,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.04338526353240013},{"word":"that","start":362.59,"end":362.75,"confidence":0.98291016,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.054294403642416},{"word":"could","start":362.75,"end":362.99,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.06850986927747726},{"word":"be","start":362.99,"end":363.15,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07267391681671143},{"word":"changing","start":363.15,"end":363.55,"confidence":0.7133789,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":-0.0710165947675705},{"word":"soon","start":363.55,"end":363.94998,"confidence":0.98828125,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":-0.10751563310623168},{"word":"too","start":363.94998,"end":364.19,"confidence":0.9506836,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.08855783939361572},{"word":"because","start":364.19,"end":364.69,"confidence":0.8203125,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06528215855360031},{"word":"of","start":365.31,"end":365.81,"confidence":0.48950195,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07528121769428253},{"word":"long","start":366.50998,"end":366.75,"confidence":0.5830078,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.07677479088306427},{"word":"story","start":366.75,"end":367.06998,"confidence":0.93237305,"punctuated_word":"story,","sentiment":"neutral","sentiment_score":-0.07255908846855164},{"word":"but","start":367.06998,"end":367.31,"confidence":0.9941406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07821103930473328},{"word":"our","start":367.31,"end":367.71,"confidence":0.2668457,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.12187358736991882},{"word":"mill","start":367.71,"end":368.21,"confidence":0.34277344,"punctuated_word":"mill","sentiment":"neutral","sentiment_score":-0.14847421646118164},{"word":"looks","start":369.22998,"end":369.55,"confidence":0.8154297,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":-0.11576484143733978},{"word":"like","start":369.55,"end":369.94998,"confidence":0.9873047,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.10207951068878174},{"word":"slowing","start":369.94998,"end":370.34998,"confidence":0.97265625,"punctuated_word":"slowing","sentiment":"neutral","sentiment_score":-0.11342444270849228},{"word":"down","start":370.34998,"end":370.66998,"confidence":0.8371582,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.10443276911973952},{"word":"which","start":370.66998,"end":370.91,"confidence":0.9667969,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.10275758057832718},{"word":"wherever","start":370.91,"end":371.22998,"confidence":0.6826172,"punctuated_word":"wherever","sentiment":"neutral","sentiment_score":-0.07176331430673599},{"word":"the","start":371.22998,"end":371.38998,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06556403636932373},{"word":"work","start":371.38998,"end":371.63,"confidence":0.99316406,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.07475078850984573},{"word":"comes","start":371.63,"end":371.87,"confidence":0.99902344,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.06410308927297592},{"word":"from","start":371.87,"end":372.19,"confidence":0.95751953,"punctuated_word":"from.","sentiment":"neutral","sentiment_score":-0.0569036528468132},{"word":"so","start":372.19,"end":372.69,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.023378577083349228},{"word":"anyway","start":373.71,"end":374.03,"confidence":0.4543457,"punctuated_word":"anyway","sentiment":"neutral","sentiment_score":-0.03270313888788223},{"word":"but","start":374.11,"end":374.27,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.035712625831365585},{"word":"at","start":374.27,"end":374.43,"confidence":0.9863281,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0587393194437027},{"word":"the","start":374.43,"end":374.59,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.040331244468688965},{"word":"moment","start":374.59,"end":374.91,"confidence":0.95336914,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.04982898011803627},{"word":"that's","start":374.91,"end":375.15,"confidence":0.9914551,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.04430020973086357},{"word":"why","start":375.15,"end":375.31,"confidence":0.8857422,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.03265482559800148},{"word":"it","start":375.31,"end":375.47,"confidence":0.9614258,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.044575564563274384},{"word":"is","start":375.47,"end":375.63,"confidence":0.97265625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06320055574178696},{"word":"it","start":375.63,"end":375.945,"confidence":0.75634766,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.035823971033096313},{"word":"no","start":389.14502,"end":389.545,"confidence":0.9663086,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08381091058254242},{"word":"no","start":389.545,"end":390.045,"confidence":0.9707031,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08827203512191772},{"word":"yep","start":392.19,"end":392.69,"confidence":0.98706055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08699394762516022},{"word":"no","start":399.87,"end":400.11,"confidence":0.9970703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.19275423884391785},{"word":"i","start":400.11,"end":400.19,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18794503808021543},{"word":"haven't","start":400.19,"end":400.59,"confidence":0.99316406,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.15115727484226227},{"word":"been","start":400.59,"end":400.91,"confidence":0.33374023,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.13459254801273346},{"word":"there","start":400.91,"end":401.41,"confidence":0.7044678,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.1524616777896881},{"word":"yeah","start":413.835,"end":414.335,"confidence":0.93530273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03692968934774399},{"word":"probably","start":415.595,"end":415.91498,"confidence":0.9980469,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":0.025427622720599174},{"word":"a","start":415.91498,"end":416.07498,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025583727285265923},{"word":"bit","start":416.07498,"end":416.235,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.01780865341424942},{"word":"more","start":416.235,"end":416.735,"confidence":0.9980469,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":0.01467832364141941},{"word":"you","start":420.36,"end":420.44,"confidence":0.5517578,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07194338738918304},{"word":"could","start":420.44,"end":420.6,"confidence":0.78027344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.08984628319740295},{"word":"probably","start":420.6,"end":420.91998,"confidence":0.99609375,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.08245377242565155},{"word":"get","start":420.91998,"end":421.16,"confidence":0.64404297,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06286199390888214},{"word":"a","start":421.16,"end":421.24,"confidence":0.25952148,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06038782745599747},{"word":"fixed","start":421.24,"end":421.47998,"confidence":0.29736328,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.06036438047885895},{"word":"line","start":421.47998,"end":421.63998,"confidence":0.6068115,"punctuated_word":"line.","sentiment":"neutral","sentiment_score":0.10078015178442},{"word":"yeah","start":421.63998,"end":422.13998,"confidence":0.9797363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07184760272502899},{"word":"tell","start":432.995,"end":433.155,"confidence":0.25219727,"punctuated_word":"Tell","sentiment":"neutral","sentiment_score":-0.037531137466430664},{"word":"me","start":433.155,"end":433.315,"confidence":0.96875,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.04812543839216232},{"word":"if","start":433.315,"end":433.595,"confidence":0.5996094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14606142044067383},{"word":"buying","start":433.595,"end":433.875,"confidence":0.48583984,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.01495525985956192},{"word":"all","start":433.875,"end":433.95502,"confidence":0.9873047,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07373928278684616},{"word":"the","start":433.95502,"end":434.11502,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08816464245319366},{"word":"bills","start":434.11502,"end":434.355,"confidence":0.99902344,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":0.10814955085515976},{"word":"and","start":434.355,"end":434.515,"confidence":0.47265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06756562739610672},{"word":"everything","start":434.515,"end":434.755,"confidence":0.98095703,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.015635043382644653},{"word":"because","start":434.755,"end":434.995,"confidence":0.3894043,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03079015016555786},{"word":"there's","start":434.995,"end":435.155,"confidence":0.96118164,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.05733248591423035},{"word":"nothing","start":435.155,"end":435.475,"confidence":0.9863281,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.0015556365251541138},{"word":"left","start":435.475,"end":435.635,"confidence":0.9760742,"punctuated_word":"left","sentiment":"neutral","sentiment_score":-0.018782049417495728},{"word":"out","start":435.635,"end":435.715,"confidence":0.8642578,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.037297070026397705},{"word":"of","start":435.715,"end":435.795,"confidence":0.9741211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012327507138252258},{"word":"this","start":435.795,"end":436.295,"confidence":0.80981445,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.010189265012741089},{"word":"yep","start":440.915,"end":441.415,"confidence":0.9650879,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.011275420896708964},{"word":"yeah","start":455.05002,"end":455.55002,"confidence":0.78515625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06380350887775421},{"word":"i'm","start":456.33002,"end":456.49002,"confidence":0.94873047,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.10154274106025696},{"word":"not","start":456.49002,"end":456.65002,"confidence":0.9633789,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1549309641122818},{"word":"really","start":456.65002,"end":456.89,"confidence":0.48291016,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.15494616329669952},{"word":"sure","start":456.89,"end":457.21002,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.1495988517999649},{"word":"if","start":457.21002,"end":457.37003,"confidence":0.9604492,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.14406085014343262},{"word":"it's","start":457.37003,"end":457.61002,"confidence":0.9941406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.14439091086387634},{"word":"still","start":457.61002,"end":457.85,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.15524336695671082},{"word":"the","start":457.85,"end":458.01,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10649296641349792},{"word":"same","start":458.01,"end":458.25,"confidence":0.99609375,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.1010366827249527},{"word":"or","start":458.25,"end":458.33002,"confidence":0.97802734,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.09629669040441512},{"word":"what","start":458.33002,"end":458.83002,"confidence":0.6014404,"punctuated_word":"what.","sentiment":"neutral","sentiment_score":-0.11623140424489976},{"word":"right","start":464.695,"end":464.855,"confidence":0.78808594,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.006357800215482712},{"word":"i","start":464.855,"end":465.095,"confidence":0.20910645,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.010560229420661926},{"word":"just","start":465.095,"end":465.595,"confidence":0.32739258,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02361965179443359},{"word":"got","start":466.29498,"end":466.535,"confidence":0.6166992,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.02482151985168457},{"word":"a","start":466.535,"end":466.615,"confidence":0.41235352,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02853148803114891},{"word":"bed","start":466.615,"end":466.855,"confidence":0.57421875,"punctuated_word":"bed","sentiment":"neutral","sentiment_score":0.02757296711206436},{"word":"covered","start":466.855,"end":467.255,"confidence":0.38476562,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.06472432613372803},{"word":"in","start":467.255,"end":467.415,"confidence":0.49658203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04179007187485695},{"word":"mine","start":467.415,"end":467.575,"confidence":0.24853516,"punctuated_word":"mine","sentiment":"neutral","sentiment_score":0.0332968570291996},{"word":"there","start":467.575,"end":468.075,"confidence":0.71691895,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.042632900178432465},{"word":"yes","start":480.17,"end":480.57,"confidence":0.8688965,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08270364999771118},{"word":"yeah","start":480.57,"end":481.07,"confidence":0.8581543,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0804150179028511},{"word":"well","start":482.09,"end":482.33,"confidence":0.63500977,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.034393079578876495},{"word":"that's","start":482.33,"end":482.57,"confidence":0.8144531,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.023548021912574768},{"word":"that's","start":482.57,"end":483.07,"confidence":0.9794922,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.022644631564617157},{"word":"sorry","start":484.33,"end":484.81,"confidence":0.984375,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.05872700363397598},{"word":"no","start":484.81,"end":485.05,"confidence":0.96777344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08464916050434113},{"word":"you're","start":485.05,"end":485.29,"confidence":0.9980469,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.06506599485874176},{"word":"right","start":485.29,"end":485.79,"confidence":0.73657227,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.0520918071269989},{"word":"yeah","start":493.315,"end":493.815,"confidence":0.93408203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.009355541318655014},{"word":"yeah","start":494.595,"end":494.915,"confidence":0.85668945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.003321666270494461},{"word":"that'll","start":494.915,"end":495.155,"confidence":0.6706543,"punctuated_word":"That'll","sentiment":"neutral","sentiment_score":0.009513827040791512},{"word":"be","start":495.155,"end":495.315,"confidence":0.99316406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.007877577096223831},{"word":"about","start":495.315,"end":495.55502,"confidence":0.4663086,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.006430953741073608},{"word":"right","start":495.55502,"end":495.715,"confidence":0.89990234,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.0057726092636585236},{"word":"there","start":495.715,"end":496.215,"confidence":0.890625,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0015868013724684715},{"word":"contents","start":502.55,"end":503.05,"confidence":0.57421875,"punctuated_word":"Contents.","sentiment":"neutral","sentiment_score":0.021294891834259033},{"word":"yeah","start":503.11,"end":503.61,"confidence":0.9074707,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04329407215118408},{"word":"that's","start":512.39,"end":512.63,"confidence":0.9680176,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.04745417460799217},{"word":"right","start":512.63,"end":512.95,"confidence":0.8405762,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.05662268400192261},{"word":"yep","start":512.95,"end":513.45,"confidence":0.8718262,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04429389536380768},{"word":"yep","start":518.895,"end":519.395,"confidence":0.99902344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.023370303213596344},{"word":"well","start":519.695,"end":519.935,"confidence":0.7687988,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.0024768877774477005},{"word":"i'm","start":519.935,"end":520.015,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.040069472044706345},{"word":"not","start":520.015,"end":520.175,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06221766769886017},{"word":"sure","start":520.175,"end":520.415,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.06755484640598297},{"word":"what","start":520.415,"end":520.575,"confidence":0.9760742,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.049953848123550415},{"word":"they","start":520.575,"end":520.735,"confidence":0.9291992,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.05059089884161949},{"word":"value","start":520.735,"end":521.055,"confidence":0.6826172,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.04854678362607956},{"word":"on","start":521.055,"end":521.135,"confidence":0.65722656,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.032541412860155106},{"word":"it","start":521.135,"end":521.295,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.035937801003456116},{"word":"now","start":521.295,"end":521.795,"confidence":0.99658203,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.04547729343175888},{"word":"yeah","start":522.415,"end":522.915,"confidence":0.85595703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.022190159186720848},{"word":"yeah","start":526.015,"end":526.335,"confidence":0.9416504,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.006941807456314564},{"word":"well","start":526.335,"end":526.495,"confidence":0.9880371,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.009035752154886724},{"word":"that's","start":526.495,"end":526.65497,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.003704605158418417},{"word":"what","start":526.65497,"end":526.815,"confidence":0.99121094,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.013184219598770142},{"word":"we","start":526.815,"end":526.975,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.002694409340620041},{"word":"paid","start":526.975,"end":527.21497,"confidence":0.97265625,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.000612899661064148},{"word":"for","start":527.21497,"end":527.455,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.017697304487228394},{"word":"it","start":527.455,"end":527.535,"confidence":0.86621094,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.016550367698073387},{"word":"but","start":527.535,"end":527.775,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.026103924959897995},{"word":"that","start":527.775,"end":528.015,"confidence":0.9267578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03838445991277695},{"word":"what","start":528.095,"end":528.335,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05141442269086838},{"word":"it","start":528.335,"end":528.495,"confidence":0.8925781,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04138713702559471},{"word":"is","start":528.495,"end":528.65497,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05986708402633667},{"word":"now","start":528.65497,"end":528.895,"confidence":0.7437744,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.07312136143445969},{"word":"i","start":528.895,"end":528.975,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04930780082941055},{"word":"don't","start":528.975,"end":529.135,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.042669497430324554},{"word":"know","start":529.135,"end":529.295,"confidence":0.8469238,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.042994458228349686},{"word":"but","start":529.295,"end":529.795,"confidence":0.36157227,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.02360771782696247},{"word":"it's","start":529.935,"end":530.015,"confidence":0.81933594,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.021041661500930783},{"word":"probably","start":530.015,"end":530.415,"confidence":0.984375,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.016699906438589096},{"word":"30,000","start":530.415,"end":531.135,"confidence":0.99853516,"punctuated_word":"30,000","sentiment":"neutral","sentiment_score":-0.008393339812755585},{"word":"now","start":531.135,"end":531.375,"confidence":0.48132324,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.06069100648164749},{"word":"but","start":531.375,"end":531.615,"confidence":0.39501953,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.037717774510383606},{"word":"the","start":531.615,"end":531.96,"confidence":0.1776123,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.024743499234318733},{"word":"yes","start":541.64,"end":542.14,"confidence":0.76708984,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0413670539855957},{"word":"we'll","start":542.36005,"end":542.52,"confidence":0.79956055,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.04086858034133911},{"word":"leave","start":542.52,"end":542.68,"confidence":0.80566406,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.048073068261146545},{"word":"it","start":542.68,"end":542.84,"confidence":0.9667969,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02979649417102337},{"word":"at","start":542.84,"end":542.92004,"confidence":0.92089844,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.030842095613479618},{"word":"that","start":542.92004,"end":543.42004,"confidence":0.986084,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.01828731968998909},{"word":"no","start":548.875,"end":549.035,"confidence":0.9279785,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.21728993952274325},{"word":"not","start":549.035,"end":549.27496,"confidence":0.7583008,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.25103792548179626},{"word":"really","start":549.27496,"end":549.77496,"confidence":1.0,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.19507308304309845},{"word":"nope","start":562.03,"end":562.27,"confidence":0.8041992,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.06011149287223816},{"word":"correct","start":562.27,"end":562.67,"confidence":0.89819336,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.1086423248052597},{"word":"yeah","start":562.67,"end":563.17,"confidence":0.9831543,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13940787315368652},{"word":"no","start":567.55,"end":568.05,"confidence":0.9621582,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09077249467372894},{"word":"not","start":577.645,"end":577.885,"confidence":0.5288086,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.2535899877548218},{"word":"at","start":577.885,"end":578.045,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2526009678840637},{"word":"the","start":578.045,"end":578.205,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2461322844028473},{"word":"moment","start":578.205,"end":578.52496,"confidence":0.99609375,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.24370810389518735},{"word":"no","start":578.52496,"end":579.02496,"confidence":0.99902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.25802290439605713},{"word":"we've","start":579.40497,"end":579.90497,"confidence":0.734375,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.2050964832305908},{"word":"just","start":579.96497,"end":580.285,"confidence":0.96240234,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.30176615715026855},{"word":"gone","start":580.285,"end":580.52496,"confidence":0.9770508,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.2562636733055115},{"word":"through","start":580.52496,"end":580.685,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.2599104940891266},{"word":"that","start":580.685,"end":580.845,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.32642966508865356},{"word":"with","start":580.845,"end":581.165,"confidence":1.0,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.3766765594482422},{"word":"family","start":581.165,"end":581.485,"confidence":0.9863281,"punctuated_word":"family","sentiment":"negative","sentiment_score":-0.44144168496131897},{"word":"stuff","start":581.485,"end":581.725,"confidence":0.94311523,"punctuated_word":"stuff,","sentiment":"negative","sentiment_score":-0.3627154529094696},{"word":"and","start":581.725,"end":581.885,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.31811627745628357},{"word":"we've","start":581.885,"end":582.125,"confidence":0.9980469,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.3259236216545105},{"word":"gotta","start":582.125,"end":582.445,"confidence":0.7519531,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.3151363134384155},{"word":"do","start":582.445,"end":582.605,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.29453906416893005},{"word":"that","start":582.605,"end":583.105,"confidence":0.7792969,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2883690297603607},{"word":"very","start":583.325,"end":583.725,"confidence":0.9892578,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.35221585631370544},{"word":"soon","start":583.725,"end":584.225,"confidence":0.99853516,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":-0.2835315465927124},{"word":"yeah","start":585.245,"end":585.745,"confidence":0.92407227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0049758534878492355},{"word":"yeah","start":587.79004,"end":588.11005,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.018993163481354713},{"word":"yeah","start":588.11005,"end":588.61005,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0201250109821558},{"word":"well","start":588.75,"end":589.15,"confidence":0.65405273,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.0003975573927164078},{"word":"we've","start":589.15,"end":589.47003,"confidence":0.77075195,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.009197461418807508},{"word":"we've","start":589.47003,"end":589.71,"confidence":0.71728516,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.0366099588572979},{"word":"gone","start":589.71,"end":589.95,"confidence":0.82177734,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.041815824806690216},{"word":"through","start":589.95,"end":590.35004,"confidence":0.99609375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.06714028120040894},{"word":"a","start":590.35004,"end":590.43005,"confidence":0.8691406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07031148672103882},{"word":"a","start":590.43005,"end":590.51,"confidence":0.28881836,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08265753090381622},{"word":"thing","start":590.51,"end":590.83,"confidence":0.24975586,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.11840278655290604},{"word":"with","start":590.83,"end":591.33,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.12735415995121002},{"word":"a","start":591.63,"end":591.79004,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10672854632139206},{"word":"family","start":591.79004,"end":592.11005,"confidence":0.99902344,"punctuated_word":"family","sentiment":"neutral","sentiment_score":-0.12235821783542632},{"word":"member","start":592.11005,"end":592.35004,"confidence":1.0,"punctuated_word":"member","sentiment":"neutral","sentiment_score":-0.10074174404144288},{"word":"and","start":592.35004,"end":592.43,"confidence":0.42114258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10025827586650848},{"word":"never","start":592.43,"end":592.67004,"confidence":0.5522461,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.12945134937763214},{"word":"had","start":592.67004,"end":592.75,"confidence":0.7294922,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.15477342903614044},{"word":"a","start":592.75,"end":592.83,"confidence":0.6040039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10527895390987396},{"word":"will","start":592.83,"end":593.07,"confidence":0.39697266,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":-0.09120067954063416},{"word":"so","start":593.07,"end":593.23004,"confidence":0.9790039,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.07697340101003647},{"word":"we're","start":593.23004,"end":593.73004,"confidence":0.8979492,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.06859947741031647},{"word":"realizing","start":594.67004,"end":595.17004,"confidence":0.94384766,"punctuated_word":"realizing","sentiment":"neutral","sentiment_score":-0.20119205117225647},{"word":"how","start":595.23004,"end":595.47003,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.2417943179607391},{"word":"bad","start":595.47003,"end":595.71,"confidence":1.0,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":-0.25686511397361755},{"word":"it","start":595.71,"end":595.87,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2767423987388611},{"word":"can","start":595.87,"end":596.03,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2175973802804947},{"word":"be","start":596.03,"end":596.19,"confidence":0.94091797,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":-0.20381057262420657},{"word":"so","start":596.19,"end":596.51,"confidence":0.9707031,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.003600943833589554},{"word":"we","start":596.51,"end":596.67004,"confidence":0.60791016,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02064039558172226},{"word":"yeah","start":596.91003,"end":597.31,"confidence":0.99658203,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.009536702185869215},{"word":"that's","start":597.31,"end":597.63,"confidence":0.9223633,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.037344351410865784},{"word":"one","start":597.63,"end":598.13,"confidence":0.34954834,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.02305568940937519},{"word":"yeah","start":598.67004,"end":598.75,"confidence":0.8378906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04113999009132385},{"word":"immediately","start":598.75,"end":599.25,"confidence":0.9494629,"punctuated_word":"Immediately.","sentiment":"neutral","sentiment_score":0.0418362095952034},{"word":"that's","start":604.355,"end":604.515,"confidence":0.9628906,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.041018784046173096},{"word":"right","start":604.515,"end":605.015,"confidence":0.8000488,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.031041160225868225},{"word":"yeah","start":612.755,"end":613.255,"confidence":0.64501953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.017148686572909355},{"word":"yeah","start":619.42,"end":619.92,"confidence":0.9633789,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.039914172142744064},{"word":"that's","start":624.3,"end":624.54,"confidence":0.9863281,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.21250450611114505},{"word":"right","start":624.54,"end":624.86,"confidence":0.99853516,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.23339875042438507},{"word":"yep","start":624.86,"end":625.36,"confidence":0.98706055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15341243147850037},{"word":"yeah","start":634.005,"end":634.505,"confidence":0.7565918,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04338156431913376},{"word":"well","start":635.685,"end":636.085,"confidence":0.9604492,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.049865372478961945},{"word":"we","start":636.085,"end":636.245,"confidence":0.9277344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05763063207268715},{"word":"would","start":636.245,"end":636.405,"confidence":0.7817383,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.09569646418094636},{"word":"just","start":636.405,"end":636.565,"confidence":0.9526367,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07525697350502014},{"word":"use","start":636.565,"end":636.885,"confidence":0.9921875,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.0895714983344078},{"word":"it","start":636.885,"end":636.965,"confidence":0.5058594,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06738109141588211},{"word":"as","start":636.965,"end":637.045,"confidence":0.7475586,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0708014965057373},{"word":"a","start":637.045,"end":637.125,"confidence":0.73339844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0791604220867157},{"word":"local","start":637.125,"end":637.525,"confidence":0.97998047,"punctuated_word":"local","sentiment":"neutral","sentiment_score":0.07661590725183487},{"word":"solicitor","start":637.525,"end":638.005,"confidence":0.9616699,"punctuated_word":"solicitor,","sentiment":"neutral","sentiment_score":0.05834431201219559},{"word":"but","start":638.005,"end":638.505,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03181856498122215},{"word":"i","start":639.765,"end":639.84503,"confidence":0.9580078,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02489139139652252},{"word":"don't","start":639.84503,"end":640.085,"confidence":0.9926758,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.026631712913513184},{"word":"know","start":640.085,"end":640.245,"confidence":0.9970703,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.03952203691005707},{"word":"who's","start":640.245,"end":640.485,"confidence":0.9711914,"punctuated_word":"who's","sentiment":"neutral","sentiment_score":0.040810853242874146},{"word":"the","start":640.485,"end":640.645,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0622614324092865},{"word":"best","start":640.645,"end":640.885,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.03621569275856018},{"word":"for","start":640.885,"end":641.125,"confidence":0.9863281,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11358804255723952},{"word":"it","start":641.125,"end":641.625,"confidence":0.9074707,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.046141207218170166},{"word":"mhmm","start":652.61,"end":653.11,"confidence":0.97631836,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03186720237135887},{"word":"yeah","start":667.495,"end":667.815,"confidence":0.7836914,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.43385249376297},{"word":"that'll","start":667.815,"end":668.055,"confidence":0.79541016,"punctuated_word":"That'll","sentiment":"positive","sentiment_score":0.6603054404258728},{"word":"be","start":668.055,"end":668.215,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.6759493947029114},{"word":"good","start":668.215,"end":668.455,"confidence":0.99853516,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7528071403503418},{"word":"thanks","start":668.455,"end":668.955,"confidence":0.9995117,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.7607467174530029},{"word":"okay","start":682.16003,"end":682.66003,"confidence":0.9567871,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1012713760137558},{"word":"yes","start":700.15,"end":700.65,"confidence":0.98706055,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11022425442934036},{"word":"yes","start":700.71,"end":701.11005,"confidence":0.93774414,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12528830766677856},{"word":"that's","start":701.11005,"end":701.35004,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2945519685745239},{"word":"correct","start":701.35004,"end":701.85004,"confidence":0.9970703,"punctuated_word":"correct.","sentiment":"positive","sentiment_score":0.3689117431640625},{"word":"mhmm","start":710.47003,"end":710.97003,"confidence":0.9857178,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04866258054971695},{"word":"no","start":718.28503,"end":718.78503,"confidence":0.9667969,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2095823585987091},{"word":"no","start":719.245,"end":719.565,"confidence":0.8811035,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.267264187335968},{"word":"don't","start":719.565,"end":719.885,"confidence":0.80200195,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":-0.28939932584762573},{"word":"be","start":719.885,"end":720.125,"confidence":0.94140625,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2764398753643036},{"word":"don't","start":720.125,"end":720.28503,"confidence":0.9838867,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.20847104489803311},{"word":"be","start":720.28503,"end":720.525,"confidence":0.9892578,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.25548309087753296},{"word":"telling","start":720.525,"end":720.765,"confidence":0.81396484,"punctuated_word":"telling","sentiment":"neutral","sentiment_score":-0.22336086630821228},{"word":"her","start":720.765,"end":720.92505,"confidence":0.8330078,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.21806953847408295},{"word":"things","start":720.92505,"end":721.16504,"confidence":0.9921875,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.20261363685131073},{"word":"like","start":721.16504,"end":721.325,"confidence":0.9741211,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.2071903795003891},{"word":"that","start":721.325,"end":721.565,"confidence":0.95214844,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.1864430606365204},{"word":"she's","start":721.565,"end":721.72504,"confidence":0.99658203,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":-0.032075945287942886},{"word":"sitting","start":721.72504,"end":721.965,"confidence":0.99121094,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.019456982612609863},{"word":"next","start":721.965,"end":722.205,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.016342148184776306},{"word":"to","start":722.205,"end":722.445,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.014389373362064362},{"word":"me","start":722.445,"end":722.945,"confidence":0.99609375,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.05922010540962219},{"word":"good","start":735.32996,"end":735.49,"confidence":0.7369385,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.510883629322052},{"word":"thank","start":735.49,"end":735.73,"confidence":0.9980469,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6897131204605103},{"word":"you","start":735.73,"end":736.23,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5934679508209229},{"word":"yep","start":756.66,"end":757.16,"confidence":0.9008789,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18913058936595917},{"word":"yep","start":763.0875,"end":763.5875,"confidence":0.8630371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13544169068336487},{"word":"no","start":776.235,"end":776.735,"confidence":0.9890137,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.21672774851322177},{"word":"probably","start":799.975,"end":800.475,"confidence":0.6948242,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.023173432797193527},{"word":"high","start":801.33496,"end":801.65497,"confidence":0.44482422,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.03738727048039436},{"word":"and","start":801.65497,"end":801.735,"confidence":0.34350586,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04802602529525757},{"word":"moderate","start":801.735,"end":802.21497,"confidence":0.99609375,"punctuated_word":"moderate","sentiment":"neutral","sentiment_score":-0.06657096743583679},{"word":"or","start":802.21497,"end":802.71497,"confidence":0.88134766,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0389549620449543},{"word":"somewhere","start":802.935,"end":803.33496,"confidence":0.9770508,"punctuated_word":"somewhere","sentiment":"neutral","sentiment_score":-0.05105079710483551},{"word":"around","start":803.33496,"end":803.65497,"confidence":0.984375,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.034671030938625336},{"word":"there","start":803.65497,"end":804.15497,"confidence":0.8857422,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.03527861833572388},{"word":"but","start":805.01495,"end":805.51495,"confidence":0.45703125,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.025590915232896805},{"word":"i","start":806.45496,"end":806.615,"confidence":0.53759766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1560717225074768},{"word":"don't","start":806.615,"end":806.855,"confidence":0.84936523,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13067474961280823},{"word":"wanna","start":806.855,"end":807.01495,"confidence":0.9277344,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.1610647439956665},{"word":"lose","start":807.01495,"end":807.255,"confidence":0.9970703,"punctuated_word":"lose","sentiment":"neutral","sentiment_score":-0.2593252956867218},{"word":"everything","start":807.255,"end":807.57495,"confidence":0.9951172,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.05481196939945221},{"word":"in","start":807.57495,"end":807.735,"confidence":0.7939453,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06399300694465637},{"word":"one","start":807.735,"end":807.975,"confidence":0.78515625,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.06593690812587738},{"word":"go","start":807.975,"end":808.475,"confidence":0.71240234,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":-0.05339355021715164},{"word":"mhmm","start":823.575,"end":824.075,"confidence":0.914917,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.019530687481164932},{"word":"yeah","start":831.175,"end":831.675,"confidence":0.94677734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02462959848344326},{"word":"yep","start":831.735,"end":832.235,"confidence":0.71691895,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03321993350982666},{"word":"that's","start":872.08,"end":872.32,"confidence":0.77441406,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.2353416085243225},{"word":"a","start":872.32,"end":872.56,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2782644033432007},{"word":"hard","start":872.56,"end":872.88,"confidence":0.9941406,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.3235643804073334},{"word":"one","start":872.88,"end":873.2,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.3239525556564331},{"word":"because","start":873.2,"end":873.7,"confidence":0.7734375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.26023128628730774},{"word":"because","start":877.2,"end":877.7,"confidence":0.8588867,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.22562874853610992},{"word":"if","start":877.84,"end":878.0,"confidence":0.890625,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.30531471967697144},{"word":"you","start":878.0,"end":878.16003,"confidence":0.94384766,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.34033694863319397},{"word":"just","start":878.16003,"end":878.4,"confidence":0.49853516,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.33001816272735596},{"word":"pull","start":878.4,"end":878.64,"confidence":0.99316406,"punctuated_word":"pull","sentiment":"negative","sentiment_score":-0.3655513823032379},{"word":"out","start":878.64,"end":878.88,"confidence":0.94189453,"punctuated_word":"out,","sentiment":"negative","sentiment_score":-0.3771855235099793},{"word":"you're","start":878.88,"end":879.12,"confidence":0.95996094,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.3835381269454956},{"word":"losing","start":879.12,"end":879.62,"confidence":1.0,"punctuated_word":"losing","sentiment":"negative","sentiment_score":-0.366403192281723},{"word":"all","start":879.68,"end":879.84,"confidence":0.98535156,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.183721125125885},{"word":"that","start":879.84,"end":880.0,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2154444009065628},{"word":"money","start":880.0,"end":880.24,"confidence":0.69628906,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":-0.18962301313877103},{"word":"and","start":880.24,"end":880.48004,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10562636703252792},{"word":"then","start":880.48004,"end":880.98004,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.07066600024700165},{"word":"just","start":881.745,"end":881.98505,"confidence":0.9526367,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.060874491930007935},{"word":"depends","start":881.98505,"end":882.385,"confidence":0.9980469,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":-0.04919928312301636},{"word":"on","start":882.385,"end":882.885,"confidence":0.9760742,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0382779985666275},{"word":"all","start":885.265,"end":885.765,"confidence":0.41064453,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.03372710198163986},{"word":"yeah","start":899.62,"end":900.1,"confidence":0.9169922,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07418277859687805},{"word":"i'd","start":900.1,"end":900.25995,"confidence":0.93481445,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.11509653180837633},{"word":"probably","start":900.25995,"end":900.75995,"confidence":0.9970703,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.12682418525218964},{"word":"yeah","start":902.81995,"end":903.13995,"confidence":0.984375,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.11985842883586884},{"word":"i'd","start":903.13995,"end":903.37994,"confidence":0.9277344,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.14225706458091736},{"word":"probably","start":903.37994,"end":903.87994,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.15608039498329165},{"word":"hang","start":904.1,"end":904.33997,"confidence":0.6699219,"punctuated_word":"hang","sentiment":"neutral","sentiment_score":-0.1810815632343292},{"word":"it","start":904.33997,"end":904.5,"confidence":0.81933594,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.19547073543071747},{"word":"out","start":904.5,"end":905.0,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1805071234703064},{"word":"in","start":905.77997,"end":906.01996,"confidence":0.8959961,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05929848551750183},{"word":"general","start":906.01996,"end":906.51996,"confidence":0.9658203,"punctuated_word":"general.","sentiment":"neutral","sentiment_score":-0.05212191119790077},{"word":"probably","start":935.04,"end":935.54,"confidence":0.9580078,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.0668182373046875},{"word":"a","start":935.6,"end":935.7925,"confidence":0.9404297,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06853285431861877},{"word":"bit","start":935.7925,"end":935.985,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05904162675142288},{"word":"top","start":936.945,"end":937.185,"confidence":0.5996094,"punctuated_word":"top","sentiment":"neutral","sentiment_score":-0.02736177295446396},{"word":"two","start":937.185,"end":937.505,"confidence":0.85913086,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":-0.0598100870847702},{"word":"but","start":937.505,"end":937.825,"confidence":0.609375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0746425986289978},{"word":"a","start":937.825,"end":937.985,"confidence":0.76416016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.128192737698555},{"word":"little","start":937.985,"end":938.14496,"confidence":0.9980469,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.17043915390968323},{"word":"bit","start":938.14496,"end":938.305,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.18839651346206665},{"word":"cautious","start":938.305,"end":938.805,"confidence":0.99560547,"punctuated_word":"cautious.","sentiment":"neutral","sentiment_score":-0.2173837125301361},{"word":"just","start":944.545,"end":945.045,"confidence":0.78222656,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.04846387356519699},{"word":"they're","start":945.665,"end":945.785,"confidence":0.25927734,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.06108049303293228},{"word":"all","start":945.785,"end":945.90497,"confidence":0.3876953,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.05486943945288658},{"word":"not","start":945.90497,"end":946.06494,"confidence":0.25439453,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09750314056873322},{"word":"they","start":946.225,"end":946.46497,"confidence":0.63427734,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.05939524993300438},{"word":"don't","start":946.46497,"end":946.625,"confidence":0.7110596,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.09316232055425644},{"word":"depend","start":946.625,"end":947.125,"confidence":0.58496094,"punctuated_word":"depend","sentiment":"neutral","sentiment_score":-0.08751922845840454},{"word":"on","start":947.665,"end":947.745,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09518260508775712},{"word":"how","start":947.745,"end":947.90497,"confidence":0.95166016,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.12051611393690108},{"word":"close","start":947.90497,"end":948.225,"confidence":0.99609375,"punctuated_word":"close","sentiment":"neutral","sentiment_score":-0.16955198347568512},{"word":"i","start":948.225,"end":948.305,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16563157737255096},{"word":"am","start":948.305,"end":948.46497,"confidence":0.9941406,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.13257211446762085},{"word":"to","start":948.46497,"end":948.625,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09171760082244872},{"word":"retirement","start":948.625,"end":949.125,"confidence":0.8623047,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":-0.10526084899902344},{"word":"when","start":952.03,"end":952.27,"confidence":0.5288086,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.016940198838710785},{"word":"you","start":952.27,"end":952.43,"confidence":0.9819336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010733529925346376},{"word":"start","start":952.43,"end":952.93,"confidence":0.7128906,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.04281093925237656},{"word":"you're","start":953.31,"end":953.55005,"confidence":0.64160156,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.011770807206630709},{"word":"not","start":953.55005,"end":953.79004,"confidence":0.9316406,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.027177028357982635},{"word":"starting","start":953.79004,"end":954.19,"confidence":0.96435547,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":-0.0999862477183342},{"word":"to","start":954.19,"end":954.27,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08659157156944275},{"word":"lose","start":954.27,"end":954.59,"confidence":0.9980469,"punctuated_word":"lose","sentiment":"neutral","sentiment_score":-0.1361013501882553},{"word":"time","start":954.59,"end":955.09,"confidence":0.9980469,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.09491470456123352},{"word":"and","start":955.55005,"end":955.71,"confidence":0.90625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08694813400506973},{"word":"building","start":955.71,"end":956.03,"confidence":0.890625,"punctuated_word":"building","sentiment":"neutral","sentiment_score":-0.07412945479154587},{"word":"it","start":956.03,"end":956.19,"confidence":0.9902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06289354711771011},{"word":"back","start":956.19,"end":956.43,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.11663071811199188},{"word":"to","start":956.43,"end":956.51,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18087127804756165},{"word":"where","start":956.51,"end":956.75,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.22615393996238708},{"word":"it","start":956.75,"end":956.91003,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1659000813961029},{"word":"should","start":956.91003,"end":957.15,"confidence":0.99902344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.18473337590694427},{"word":"be","start":957.15,"end":957.65,"confidence":0.9782715,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":0.12384987622499466},{"word":"yep","start":988.22003,"end":988.72003,"confidence":0.9812012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07750128209590912},{"word":"yeah","start":1000.545,"end":1001.045,"confidence":0.92163086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09547295421361925},{"word":"yeah","start":1001.825,"end":1002.065,"confidence":0.69311523,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05477626621723175},{"word":"well","start":1002.065,"end":1002.305,"confidence":0.8647461,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.0218589399009943},{"word":"as","start":1002.305,"end":1002.465,"confidence":0.93408203,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.033297911286354065},{"word":"i","start":1002.465,"end":1002.545,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02407946065068245},{"word":"said","start":1002.545,"end":1002.78503,"confidence":0.98779297,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.03243274986743927},{"word":"i","start":1002.78503,"end":1002.865,"confidence":0.3383789,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0061483606696128845},{"word":"was","start":1002.865,"end":1003.025,"confidence":0.9633789,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.007259618490934372},{"word":"getting","start":1003.025,"end":1003.265,"confidence":0.9790039,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.012422248721122742},{"word":"to","start":1003.265,"end":1003.425,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03687666356563568},{"word":"the","start":1003.425,"end":1003.505,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03911435231566429},{"word":"stage","start":1003.505,"end":1003.905,"confidence":0.64941406,"punctuated_word":"stage","sentiment":"neutral","sentiment_score":0.025117039680480957},{"word":"now","start":1003.905,"end":1004.065,"confidence":0.6074219,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.026072153821587563},{"word":"i'm","start":1004.065,"end":1004.22504,"confidence":0.9904785,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03470519557595253},{"word":"looking","start":1004.22504,"end":1004.465,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.06226809322834015},{"word":"towards","start":1004.465,"end":1004.865,"confidence":0.9951172,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.08516358584165573},{"word":"retirement","start":1004.865,"end":1005.365,"confidence":0.8774414,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.04292036220431328},{"word":"and","start":1005.425,"end":1005.665,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.019815661013126373},{"word":"then","start":1005.665,"end":1006.165,"confidence":0.95166016,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.024012181907892227},{"word":"i'll","start":1006.49,"end":1006.64996,"confidence":0.88842773,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.009672587737441065},{"word":"be","start":1006.64996,"end":1006.88995,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.02848910540342331},{"word":"a","start":1006.88995,"end":1006.97,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03255437687039375},{"word":"little","start":1006.97,"end":1007.13,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.044728923588991165},{"word":"bit","start":1007.13,"end":1007.63,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.035640519112348557},{"word":"yeah","start":1010.32996,"end":1010.82996,"confidence":0.8137207,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.018740978091955185},{"word":"but","start":1011.52997,"end":1012.02997,"confidence":0.9350586,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.04062361270189285},{"word":"but","start":1013.20996,"end":1013.45,"confidence":0.54785156,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.08080905675888062},{"word":"i'm","start":1013.45,"end":1013.69,"confidence":0.99658203,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.14413927495479584},{"word":"not","start":1013.69,"end":1013.85,"confidence":0.9863281,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.17044153809547424},{"word":"at","start":1013.85,"end":1014.01,"confidence":0.71972656,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1891015917062759},{"word":"the","start":1014.01,"end":1014.08997,"confidence":0.50683594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1396813541650772},{"word":"stage","start":1014.08997,"end":1014.41,"confidence":0.99609375,"punctuated_word":"stage","sentiment":"neutral","sentiment_score":-0.1521383672952652},{"word":"where","start":1014.41,"end":1014.64996,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.15809813141822815},{"word":"i","start":1014.64996,"end":1014.81,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19687671959400177},{"word":"can't","start":1014.81,"end":1015.31,"confidence":0.96850586,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.16148869693279266},{"word":"say","start":1015.45,"end":1015.61,"confidence":0.35229492,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.14654847979545593},{"word":"well","start":1015.61,"end":1015.76996,"confidence":0.4888916,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.1941567361354828},{"word":"i'm","start":1015.76996,"end":1015.93,"confidence":0.9797363,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.22926822304725647},{"word":"just","start":1015.93,"end":1016.08997,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.18250980973243713},{"word":"gonna","start":1016.08997,"end":1016.32996,"confidence":0.98828125,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2244814932346344},{"word":"have","start":1016.32996,"end":1016.49,"confidence":0.9902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.21182018518447876},{"word":"to","start":1016.49,"end":1016.57,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1923842430114746},{"word":"hang","start":1016.57,"end":1016.73,"confidence":0.99609375,"punctuated_word":"hang","sentiment":"neutral","sentiment_score":-0.2052426636219025},{"word":"off","start":1016.73,"end":1016.88995,"confidence":0.94970703,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.17346081137657166},{"word":"a","start":1016.88995,"end":1016.97,"confidence":0.96972656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2104543149471283},{"word":"bit","start":1016.97,"end":1017.13,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1831674128770828},{"word":"longer","start":1017.13,"end":1017.63,"confidence":0.99902344,"punctuated_word":"longer.","sentiment":"neutral","sentiment_score":-0.16190966963768005},{"word":"not","start":1039.11,"end":1039.4299,"confidence":0.7919922,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.1386088728904724},{"word":"really","start":1039.4299,"end":1039.9299,"confidence":0.9592285,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.118753582239151},{"word":"i","start":1041.51,"end":1041.75,"confidence":0.54052734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1286143660545349},{"word":"don't","start":1041.75,"end":1041.9099,"confidence":0.99658203,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.12098044157028198},{"word":"think","start":1041.9099,"end":1042.15,"confidence":0.98828125,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.13586832582950592},{"word":"so","start":1042.15,"end":1042.39,"confidence":0.9326172,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.13709808886051178},{"word":"no","start":1042.39,"end":1042.89,"confidence":0.9284668,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14818641543388367},{"word":"originally","start":1051.045,"end":1051.545,"confidence":0.6623535,"punctuated_word":"Originally,","sentiment":"neutral","sentiment_score":-0.026564624160528183},{"word":"we","start":1051.9249,"end":1052.165,"confidence":0.9790039,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.009600754827260973},{"word":"took","start":1052.165,"end":1052.405,"confidence":0.9921875,"punctuated_word":"took","sentiment":"neutral","sentiment_score":-0.019420962780714035},{"word":"out","start":1052.405,"end":1052.565,"confidence":0.98828125,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.028243843466043472},{"word":"a","start":1052.565,"end":1052.725,"confidence":0.97314453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04026775807142258},{"word":"loan","start":1052.725,"end":1052.965,"confidence":0.96655273,"punctuated_word":"loan,","sentiment":"neutral","sentiment_score":-0.03863488882780075},{"word":"but","start":1052.965,"end":1053.465,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.04153174161911011},{"word":"it's","start":1053.765,"end":1053.845,"confidence":0.9543457,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.04329400509595871},{"word":"it's","start":1053.845,"end":1053.9249,"confidence":0.70043945,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.026656106114387512},{"word":"all","start":1053.9249,"end":1054.165,"confidence":0.9921875,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.013405516743659971},{"word":"combined","start":1054.165,"end":1054.565,"confidence":0.99609375,"punctuated_word":"combined","sentiment":"neutral","sentiment_score":-0.006530150771141052},{"word":"in","start":1054.565,"end":1054.725,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.006441313773393631},{"word":"the","start":1054.725,"end":1055.225,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007823191583156586},{"word":"in","start":1055.845,"end":1055.9249,"confidence":0.9506836,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01203695684671402},{"word":"the","start":1055.9249,"end":1056.085,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019207730889320377},{"word":"one","start":1056.085,"end":1056.325,"confidence":0.99316406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.01942303404211998},{"word":"loan","start":1056.325,"end":1056.825,"confidence":0.9404297,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.011001378297805786},{"word":"that","start":1056.885,"end":1057.045,"confidence":0.4038086,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.010106999427080154},{"word":"now","start":1057.045,"end":1057.205,"confidence":0.32946777,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.026628706604242325},{"word":"so","start":1057.205,"end":1057.705,"confidence":0.71484375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.01053597405552864},{"word":"so","start":1058.405,"end":1058.645,"confidence":0.9326172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.006083942949771881},{"word":"we","start":1058.645,"end":1058.8049,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.004399217665195465},{"word":"pay","start":1058.8049,"end":1059.045,"confidence":0.6225586,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.016024161130189896},{"word":"the","start":1059.045,"end":1059.205,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008530449122190475},{"word":"one","start":1059.205,"end":1059.705,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.010618478059768677},{"word":"debt","start":1059.845,"end":1060.345,"confidence":0.7441406,"punctuated_word":"debt.","sentiment":"neutral","sentiment_score":-0.013565141707658768},{"word":"no","start":1079.9249,"end":1080.245,"confidence":0.71520996,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.23014850914478305},{"word":"not","start":1080.245,"end":1080.405,"confidence":0.96972656,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.23166760802268985},{"word":"really","start":1080.405,"end":1080.8049,"confidence":0.9523926,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.12781202793121338},{"word":"not","start":1080.8049,"end":1081.3049,"confidence":0.65112305,"punctuated_word":"Not.","sentiment":"neutral","sentiment_score":-0.17150013148784635},{"word":"mhmm","start":1094.48,"end":1094.98,"confidence":0.94677734,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.016759999096393585},{"word":"yep","start":1097.0399,"end":1097.5399,"confidence":0.9880371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09555010497570038},{"word":"yep","start":1119.42,"end":1119.92,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.25696489214897156},{"word":"mhmm","start":1131.9801,"end":1132.4801,"confidence":0.99450684,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.15529485046863556},{"word":"mhmm","start":1144.295,"end":1144.795,"confidence":0.88708496,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0506797656416893},{"word":"yep","start":1165.755,"end":1166.255,"confidence":0.99658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14094161987304688},{"word":"mhmm","start":1177.42,"end":1177.92,"confidence":0.92492676,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.11053114384412766},{"word":"mhmm","start":1196.7151,"end":1196.795,"confidence":0.9428711,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08578028529882431},{"word":"yep","start":1196.795,"end":1197.295,"confidence":0.8083496,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1378660649061203},{"word":"mhmm","start":1217.33,"end":1217.83,"confidence":0.94384766,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.10704812407493591},{"word":"well","start":1228.325,"end":1228.565,"confidence":0.9807129,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.01972937025129795},{"word":"probably","start":1228.565,"end":1229.045,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.010072246193885803},{"word":"the","start":1229.045,"end":1229.285,"confidence":0.8886719,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0268450528383255},{"word":"balance","start":1229.285,"end":1229.685,"confidence":0.8129883,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.004456626251339912},{"word":"but","start":1229.685,"end":1229.845,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.014768844470381737},{"word":"yeah","start":1229.925,"end":1230.425,"confidence":0.8395996,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03181593492627144},{"word":"yeah","start":1233.7,"end":1234.0199,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10609999299049376},{"word":"but","start":1234.0199,"end":1234.5199,"confidence":0.99316406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08603020012378693},{"word":"i","start":1235.94,"end":1235.9666,"confidence":0.54052734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09355846047401428},{"word":"i","start":1235.9666,"end":1235.9933,"confidence":0.40698242,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07981584966182709},{"word":"i","start":1235.9933,"end":1236.0199,"confidence":0.44995117,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07926268875598907},{"word":"i","start":1236.0199,"end":1236.1,"confidence":0.35253906,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07407873868942261},{"word":"reckon","start":1236.1,"end":1236.5,"confidence":0.24108887,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":0.05518776550889015},{"word":"i","start":1236.5,"end":1236.6599,"confidence":0.5058594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06417995691299438},{"word":"might","start":1236.6599,"end":1236.82,"confidence":0.9604492,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.07830904424190521},{"word":"later","start":1236.82,"end":1237.1399,"confidence":0.28466797,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.08593674004077911},{"word":"another","start":1237.1399,"end":1237.5399,"confidence":0.46704102,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.07625077664852142},{"word":"year","start":1237.5399,"end":1237.7799,"confidence":0.99316406,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.09499536454677582},{"word":"is","start":1237.7799,"end":1237.8599,"confidence":0.5205078,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15147876739501953},{"word":"the","start":1237.8599,"end":1237.94,"confidence":0.7583008,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15694977343082428},{"word":"way","start":1237.94,"end":1238.1,"confidence":0.9790039,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.15073393285274506},{"word":"it","start":1238.1,"end":1238.2599,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12149131298065186},{"word":"is","start":1238.2599,"end":1238.7599,"confidence":0.9995117,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.1149989664554596},{"word":"mhmm","start":1270.7699,"end":1271.2699,"confidence":0.93652344,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.16161736845970154},{"word":"yep","start":1280.985,"end":1281.485,"confidence":0.9975586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.30232489109039307},{"word":"yep","start":1323.3201,"end":1323.8201,"confidence":0.9482422,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12900474667549133},{"word":"yes","start":1323.9601,"end":1324.4601,"confidence":0.85058594,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09096681326627731},{"word":"yep","start":1327.0801,"end":1327.5801,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2606423795223236},{"word":"mhmm","start":1339.505,"end":1339.585,"confidence":0.99316406,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08969469368457794},{"word":"i'm","start":1339.585,"end":1339.745,"confidence":0.939209,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1442880630493164},{"word":"pretty","start":1339.745,"end":1340.225,"confidence":0.84814453,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.17621222138404846},{"word":"free","start":1340.225,"end":1340.625,"confidence":0.8190918,"punctuated_word":"free,","sentiment":"neutral","sentiment_score":0.1822801828384399},{"word":"actually","start":1340.625,"end":1341.105,"confidence":0.8679199,"punctuated_word":"actually.","sentiment":"neutral","sentiment_score":0.18991892039775848},{"word":"it's","start":1341.105,"end":1341.265,"confidence":0.7590332,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.09522609412670135},{"word":"some","start":1341.265,"end":1341.765,"confidence":0.42993164,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.06245997175574303},{"word":"i'm","start":1342.385,"end":1342.545,"confidence":0.97021484,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04889504611492157},{"word":"on","start":1342.545,"end":1342.705,"confidence":0.96240234,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04885850474238396},{"word":"holidays","start":1342.705,"end":1343.205,"confidence":0.60791016,"punctuated_word":"holidays.","sentiment":"neutral","sentiment_score":0.0950913280248642},{"word":"so","start":1343.505,"end":1343.665,"confidence":0.9589844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15937703847885132},{"word":"yeah","start":1345.08,"end":1345.58,"confidence":0.9951172,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1930632442235947},{"word":"what","start":1346.84,"end":1347.0,"confidence":0.83984375,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.05932977795600891},{"word":"sort","start":1347.0,"end":1347.24,"confidence":0.5683594,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.072938933968544},{"word":"of","start":1347.24,"end":1347.4,"confidence":0.9716797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05176539719104767},{"word":"holidays","start":1347.4,"end":1347.9,"confidence":0.953125,"punctuated_word":"holidays?","sentiment":"neutral","sentiment_score":0.07093194127082825},{"word":"probably","start":1357.24,"end":1357.74,"confidence":0.9140625,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":0.08070842921733856},{"word":"midmorning","start":1358.445,"end":1358.945,"confidence":0.9255371,"punctuated_word":"midmorning","sentiment":"neutral","sentiment_score":0.1097329556941986},{"word":"at","start":1359.245,"end":1359.485,"confidence":0.45825195,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08481910824775696},{"word":"the","start":1359.485,"end":1359.6449,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10028916597366332},{"word":"same","start":1359.6449,"end":1359.885,"confidence":0.9970703,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.059671565890312195},{"word":"time","start":1359.885,"end":1360.385,"confidence":0.9946289,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.08216101676225662},{"word":"yeah","start":1361.245,"end":1361.745,"confidence":0.967041,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08037549257278442},{"word":"mhmm","start":1369.565,"end":1370.065,"confidence":0.9190674,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.020891565829515457},{"word":"yep","start":1384.39,"end":1384.89,"confidence":0.88549805,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01898050680756569},{"word":"oh","start":1385.5901,"end":1385.75,"confidence":0.63061523,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.01682227849960327},{"word":"we're","start":1385.75,"end":1385.91,"confidence":0.7709961,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.01929162815213203},{"word":"about","start":1385.91,"end":1386.15,"confidence":0.6582031,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.017654743045568466},{"word":"to","start":1386.15,"end":1386.23,"confidence":0.50634766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.020122501999139782},{"word":"add","start":1386.23,"end":1386.39,"confidence":0.515625,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.020182618871331215},{"word":"09:30","start":1386.39,"end":1387.13,"confidence":0.7780762,"punctuated_word":"09:30.","sentiment":"neutral","sentiment_score":0.015330208465456964},{"word":"yep","start":1393.545,"end":1394.025,"confidence":0.88427734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03164571523666382},{"word":"yeah","start":1394.025,"end":1394.185,"confidence":0.6002197,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08051088452339172},{"word":"yep","start":1394.185,"end":1394.685,"confidence":0.9567871,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0951087325811386},{"word":"yep","start":1396.025,"end":1396.525,"confidence":0.87939453,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3377067744731903},{"word":"okay","start":1412.22,"end":1412.72,"confidence":0.7697754,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08555391430854797},{"word":"yep","start":1446.26,"end":1446.76,"confidence":0.75024414,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15525346994400024},{"word":"not","start":1453.005,"end":1453.165,"confidence":0.5830078,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.05386347323656082},{"word":"at","start":1453.165,"end":1453.665,"confidence":0.3815918,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.007179830223321915},{"word":"mhmm","start":1494.78,"end":1495.28,"confidence":0.9482422,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.17658136785030365},{"word":"mhmm","start":1508.515,"end":1509.015,"confidence":0.94311523,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0023236433044075966},{"word":"yep","start":1522.62,"end":1523.12,"confidence":0.98999023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06024986505508423},{"word":"mhmm","start":1524.7,"end":1525.2,"confidence":0.8869629,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.053373049944639206},{"word":"mhmm","start":1559.205,"end":1559.705,"confidence":0.97314453,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1063663884997368},{"word":"yep","start":1592.635,"end":1593.135,"confidence":0.9758301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.047422509640455246},{"word":"yep","start":1613.7201,"end":1614.2201,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16974544525146484},{"word":"yep","start":1614.68,"end":1615.18,"confidence":0.94921875,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.374316930770874},{"word":"mhmm","start":1626.135,"end":1626.635,"confidence":0.9876709,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.10891544818878174},{"word":"no","start":1633.48,"end":1633.88,"confidence":0.89331055,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.022946370765566822},{"word":"yeah","start":1633.88,"end":1634.38,"confidence":0.8215332,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.030408047139644623},{"word":"from","start":1635.56,"end":1635.64,"confidence":0.8959961,"punctuated_word":"From","sentiment":"neutral","sentiment_score":0.034058671444654465},{"word":"retirement","start":1635.64,"end":1636.14,"confidence":0.7902832,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.05802704021334648},{"word":"so","start":1638.12,"end":1638.62,"confidence":0.8701172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08807739615440369},{"word":"we","start":1639.24,"end":1639.48,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11986085772514345},{"word":"don't","start":1639.48,"end":1639.72,"confidence":0.99194336,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.1080593466758728},{"word":"have","start":1639.72,"end":1639.88,"confidence":0.9892578,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11641459167003632},{"word":"to","start":1639.88,"end":1640.12,"confidence":0.95874023,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.06531564891338348},{"word":"like","start":1640.12,"end":1640.4401,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05034513399004936},{"word":"disclose","start":1640.4401,"end":1640.92,"confidence":0.97314453,"punctuated_word":"disclose","sentiment":"neutral","sentiment_score":0.018343530595302585},{"word":"the","start":1640.92,"end":1641.16,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0529816672205925},{"word":"super","start":1641.16,"end":1641.48,"confidence":0.8618164,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.10415489971637726},{"word":"account","start":1641.48,"end":1641.8,"confidence":0.87280273,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.07451684772968292},{"word":"we","start":1641.8,"end":1641.96,"confidence":0.99316406,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.10828175395727158},{"word":"can","start":1641.96,"end":1642.2001,"confidence":0.5263672,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11407057195901872},{"word":"take","start":1642.2001,"end":1642.7001,"confidence":0.9465332,"punctuated_word":"take,","sentiment":"neutral","sentiment_score":0.11054997146129608},{"word":"like","start":1643.4,"end":1643.8,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10604286193847656},{"word":"weekly","start":1643.8,"end":1644.3,"confidence":0.9980469,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.07157951593399048},{"word":"wage","start":1644.4401,"end":1644.68,"confidence":0.95947266,"punctuated_word":"wage","sentiment":"neutral","sentiment_score":0.08168618381023407},{"word":"or","start":1644.68,"end":1644.92,"confidence":0.97998047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.059853360056877136},{"word":"monthly","start":1644.92,"end":1645.3201,"confidence":0.97265625,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.09279550611972807},{"word":"wage","start":1645.3201,"end":1645.56,"confidence":0.99121094,"punctuated_word":"wage","sentiment":"neutral","sentiment_score":0.06559348106384277},{"word":"out","start":1645.56,"end":1645.72,"confidence":0.8178711,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.07556015253067017},{"word":"of","start":1645.72,"end":1645.8,"confidence":0.8457031,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07159657776355743},{"word":"pool","start":1645.8,"end":1646.3,"confidence":0.6074219,"punctuated_word":"pool.","sentiment":"neutral","sentiment_score":0.052248768508434296},{"word":"is","start":1647.4551,"end":1647.615,"confidence":0.9838867,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.020465001463890076},{"word":"that","start":1647.615,"end":1648.115,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.033186934888362885},{"word":"the","start":1648.255,"end":1648.5751,"confidence":0.91748047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03275664523243904},{"word":"way","start":1648.5751,"end":1648.735,"confidence":0.97265625,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.04043881595134735},{"word":"it","start":1648.735,"end":1648.895,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03718309849500656},{"word":"goes","start":1648.895,"end":1649.395,"confidence":0.99365234,"punctuated_word":"goes?","sentiment":"neutral","sentiment_score":0.04113534465432167},{"word":"yeah","start":1651.4551,"end":1651.775,"confidence":0.9782715,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.026436084881424904},{"word":"no","start":1651.775,"end":1652.275,"confidence":0.8190918,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.21828097105026245},{"word":"like","start":1652.415,"end":1652.915,"confidence":0.7583008,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.1630326360464096},{"word":"taking","start":1655.615,"end":1655.935,"confidence":0.81396484,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.16841933131217957},{"word":"money","start":1655.935,"end":1656.3351,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.08912162482738495},{"word":"out","start":1656.3351,"end":1656.495,"confidence":0.9902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.20688427984714508},{"word":"of","start":1656.495,"end":1656.655,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2906319797039032},{"word":"your","start":1656.655,"end":1657.155,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.08201832324266434},{"word":"super","start":1657.295,"end":1657.6951,"confidence":0.5706787,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.10858304798603058},{"word":"we're","start":1657.6951,"end":1658.015,"confidence":0.6530762,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.11742832511663436},{"word":"we","start":1658.095,"end":1658.255,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.10642972588539124},{"word":"don't","start":1658.255,"end":1658.415,"confidence":0.98950195,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.11098389327526093},{"word":"have","start":1658.415,"end":1658.67,"confidence":0.7441406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08357787877321243},{"word":"to","start":1658.67,"end":1658.8301,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12650975584983826},{"word":"take","start":1658.8301,"end":1659.0701,"confidence":0.99609375,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.11920738220214844},{"word":"it","start":1659.0701,"end":1659.15,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10875025391578674},{"word":"all","start":1659.15,"end":1659.4701,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.06825975328683853},{"word":"in","start":1659.4701,"end":1659.63,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10756368190050124},{"word":"one","start":1659.63,"end":1659.9501,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.12683075666427612},{"word":"lump","start":1659.9501,"end":1660.3501,"confidence":1.0,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":-0.09428531676530838},{"word":"sum","start":1660.3501,"end":1660.8501,"confidence":0.77441406,"punctuated_word":"sum.","sentiment":"neutral","sentiment_score":-0.13489359617233276},{"word":"once","start":1661.4701,"end":1661.79,"confidence":0.91015625,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":-0.12911579012870789},{"word":"you","start":1661.79,"end":1661.87,"confidence":0.8574219,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11092065274715424},{"word":"retire","start":1661.87,"end":1662.37,"confidence":0.7727051,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":-0.21192459762096405},{"word":"you","start":1663.0701,"end":1663.31,"confidence":0.92333984,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16545557975769043},{"word":"can","start":1663.31,"end":1663.55,"confidence":0.5307617,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.19498497247695923},{"word":"take","start":1663.55,"end":1663.7101,"confidence":0.98291016,"punctuated_word":"take","sentiment":"negative","sentiment_score":-0.6188311576843262},{"word":"it","start":1663.7101,"end":1663.87,"confidence":0.9980469,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.6822476983070374},{"word":"as","start":1663.87,"end":1664.03,"confidence":0.99609375,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.6168690323829651},{"word":"a","start":1664.03,"end":1664.11,"confidence":0.97802734,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.6442888975143433},{"word":"waste","start":1664.11,"end":1664.61,"confidence":0.9345703,"punctuated_word":"waste.","sentiment":"negative","sentiment_score":-0.4980543255805969},{"word":"yep","start":1666.5901,"end":1667.0901,"confidence":0.8432617,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2523121237754822},{"word":"yep","start":1668.99,"end":1669.49,"confidence":0.98535156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2300017327070236},{"word":"yep","start":1707.495,"end":1707.995,"confidence":0.8364258,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.42017537355422974},{"word":"yes","start":1721.83,"end":1722.33,"confidence":0.9387207,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.18444329500198364},{"word":"yep","start":1730.805,"end":1731.125,"confidence":0.99121094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10865728557109831},{"word":"that","start":1731.125,"end":1731.365,"confidence":0.7729492,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.10699721425771712},{"word":"that","start":1731.365,"end":1731.525,"confidence":0.6845703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16840395331382751},{"word":"makes","start":1731.525,"end":1731.765,"confidence":0.96435547,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.14176122844219208},{"word":"sense","start":1731.765,"end":1732.265,"confidence":1.0,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.1482870876789093},{"word":"so","start":1733.925,"end":1734.245,"confidence":0.92089844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06111665070056915},{"word":"the","start":1734.245,"end":1734.405,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05925511196255684},{"word":"other","start":1734.405,"end":1734.905,"confidence":0.8798828,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.04441701620817184},{"word":"other","start":1735.045,"end":1735.365,"confidence":0.8173828,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.025559600442647937},{"word":"question","start":1735.365,"end":1735.845,"confidence":0.97265625,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.04242406040430069},{"word":"that","start":1735.845,"end":1736.005,"confidence":0.42114258,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009922690689563751},{"word":"was","start":1736.005,"end":1736.485,"confidence":0.9560547,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0033696480095386505},{"word":"just","start":1736.485,"end":1736.805,"confidence":0.9873047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.016654934734106064},{"word":"thrown","start":1736.805,"end":1737.125,"confidence":0.68310547,"punctuated_word":"thrown","sentiment":"neutral","sentiment_score":-0.004004571586847305},{"word":"around","start":1737.125,"end":1737.445,"confidence":0.984375,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.0335250087082386},{"word":"in","start":1737.445,"end":1737.605,"confidence":0.94140625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.017033524811267853},{"word":"my","start":1737.605,"end":1737.685,"confidence":0.7709961,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.02003725990653038},{"word":"head","start":1737.685,"end":1737.845,"confidence":0.9980469,"punctuated_word":"head","sentiment":"neutral","sentiment_score":-0.025673646479845047},{"word":"was","start":1737.845,"end":1738.345,"confidence":0.65600586,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":-0.01987253874540329},{"word":"well","start":1738.725,"end":1738.965,"confidence":0.8417969,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.003930049017071724},{"word":"my","start":1738.965,"end":1739.205,"confidence":0.9838867,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.010213792324066162},{"word":"wife","start":1739.205,"end":1739.705,"confidence":0.9863281,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":-0.011244989931583405},{"word":"never","start":1740.005,"end":1740.245,"confidence":0.87353516,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.010753840208053589},{"word":"had","start":1740.245,"end":1740.405,"confidence":0.9941406,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.01657412201166153},{"word":"an","start":1740.405,"end":1740.645,"confidence":0.52978516,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.02111349254846573},{"word":"isuper","start":1740.645,"end":1741.045,"confidence":0.69555664,"punctuated_word":"iSuper","sentiment":"neutral","sentiment_score":0.04548942297697067},{"word":"account","start":1741.045,"end":1741.365,"confidence":0.9921875,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.03810381144285202},{"word":"before","start":1741.365,"end":1741.765,"confidence":0.7470703,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":0.007472243160009384},{"word":"and","start":1741.765,"end":1741.925,"confidence":0.94189453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.015867237001657486},{"word":"now","start":1741.925,"end":1742.165,"confidence":0.9951172,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.034313760697841644},{"word":"she's","start":1742.165,"end":1742.55,"confidence":0.97436523,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.05696494504809379},{"word":"and","start":1743.1101,"end":1743.27,"confidence":0.35961914,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.041799165308475494},{"word":"and","start":1743.27,"end":1743.43,"confidence":0.45239258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04462528973817825},{"word":"i've","start":1743.43,"end":1743.93,"confidence":0.28070068,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.05185338109731674},{"word":"got","start":1743.99,"end":1744.31,"confidence":0.92822266,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04165590554475784},{"word":"a","start":1744.31,"end":1744.39,"confidence":0.96240234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04395561292767525},{"word":"super","start":1744.39,"end":1744.89,"confidence":0.6220703,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.046054285019636154},{"word":"i","start":1747.3501,"end":1747.43,"confidence":0.92578125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0412474162876606},{"word":"don't","start":1747.43,"end":1747.67,"confidence":0.9970703,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06256819516420364},{"word":"know","start":1747.67,"end":1747.8301,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.10067683458328248},{"word":"whether","start":1747.8301,"end":1748.0701,"confidence":0.7817383,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.08296683430671692},{"word":"it's","start":1748.0701,"end":1748.2301,"confidence":0.90234375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.05942396819591522},{"word":"right","start":1748.2301,"end":1748.39,"confidence":0.98535156,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.045896388590335846},{"word":"or","start":1748.39,"end":1748.55,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04648972302675247},{"word":"wrong","start":1748.55,"end":1748.79,"confidence":0.98583984,"punctuated_word":"wrong,","sentiment":"neutral","sentiment_score":-0.06345931440591812},{"word":"but","start":1748.79,"end":1749.03,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05982940271496773},{"word":"someone's","start":1749.03,"end":1749.3501,"confidence":0.94873047,"punctuated_word":"someone's","sentiment":"neutral","sentiment_score":-0.05754328891634941},{"word":"told","start":1749.3501,"end":1749.5901,"confidence":0.8984375,"punctuated_word":"told","sentiment":"neutral","sentiment_score":-0.04717535153031349},{"word":"me","start":1749.5901,"end":1749.75,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.017460554838180542},{"word":"about","start":1749.75,"end":1750.25,"confidence":0.5292969,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.029988981783390045},{"word":"not","start":1750.63,"end":1750.87,"confidence":0.9404297,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0291852205991745},{"word":"so","start":1750.87,"end":1751.03,"confidence":0.95947266,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.030966125428676605},{"word":"much","start":1751.03,"end":1751.3501,"confidence":0.9980469,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.0023013725876808167},{"word":"combining","start":1751.3501,"end":1751.8501,"confidence":0.9951172,"punctuated_word":"combining","sentiment":"neutral","sentiment_score":-0.0068426355719566345},{"word":"so","start":1752.0701,"end":1752.31,"confidence":0.43237305,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.005862802267074585},{"word":"it's","start":1752.31,"end":1752.4701,"confidence":0.96240234,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0010813921689987185},{"word":"all","start":1752.4701,"end":1752.7101,"confidence":0.9741211,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.016420140862464905},{"word":"in","start":1752.7101,"end":1752.87,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0075340718030929565},{"word":"mind","start":1752.87,"end":1753.1901,"confidence":0.84155273,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":0.000565309077501297},{"word":"but","start":1753.1901,"end":1753.6901,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.02685357630252838},{"word":"putting","start":1754.79,"end":1755.1101,"confidence":0.96875,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.01847011223435402},{"word":"them","start":1755.1101,"end":1755.6101,"confidence":0.99316406,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.02179962396621704},{"word":"together","start":1755.91,"end":1756.39,"confidence":0.9902344,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.014097116887569427},{"word":"type","start":1756.39,"end":1756.63,"confidence":0.21923828,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.035867419093847275},{"word":"thing","start":1756.63,"end":1757.025,"confidence":0.85498047,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.011268828064203262},{"word":"i","start":1758.0651,"end":1758.225,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.049258191138505936},{"word":"don't","start":1758.225,"end":1758.465,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.049198321998119354},{"word":"know","start":1758.465,"end":1758.545,"confidence":0.9941406,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06011412292718887},{"word":"how","start":1758.545,"end":1758.7051,"confidence":0.9941406,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.0318756103515625},{"word":"it","start":1758.7051,"end":1758.785,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.021973837167024612},{"word":"works","start":1758.785,"end":1759.285,"confidence":1.0,"punctuated_word":"works.","sentiment":"neutral","sentiment_score":-0.04653296247124672},{"word":"is","start":1759.505,"end":1759.665,"confidence":0.9980469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.003306526690721512},{"word":"there","start":1759.665,"end":1760.165,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.020177504047751427},{"word":"something","start":1760.225,"end":1760.625,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.013881515711545944},{"word":"in","start":1760.625,"end":1760.785,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02045314759016037},{"word":"that","start":1760.785,"end":1761.025,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.030644115060567856},{"word":"way","start":1761.025,"end":1761.525,"confidence":0.9916992,"punctuated_word":"way?","sentiment":"neutral","sentiment_score":0.024260135367512703},{"word":"yeah","start":1773.85,"end":1774.35,"confidence":0.7324219,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0784677267074585},{"word":"no","start":1782.345,"end":1782.745,"confidence":0.71203613,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.006116259843111038},{"word":"that's","start":1782.745,"end":1782.985,"confidence":0.93115234,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11359869688749312},{"word":"right","start":1782.985,"end":1783.485,"confidence":0.8527832,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.11319687217473984},{"word":"yeah","start":1808.24,"end":1808.64,"confidence":0.8508301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.015976928174495697},{"word":"no","start":1808.64,"end":1809.04,"confidence":0.9387207,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07121320813894272},{"word":"that","start":1809.04,"end":1809.28,"confidence":0.5805664,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.09706245362758636},{"word":"was","start":1809.28,"end":1809.44,"confidence":0.92822266,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.10317612439393996},{"word":"just","start":1809.44,"end":1809.6,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09556709975004196},{"word":"something","start":1809.6,"end":1809.92,"confidence":0.99609375,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.09878331422805786},{"word":"that","start":1809.92,"end":1810.08,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11866925656795502},{"word":"i","start":1810.08,"end":1810.24,"confidence":0.8251953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13023316860198977},{"word":"someone's","start":1810.32,"end":1810.82,"confidence":0.97998047,"punctuated_word":"someone's","sentiment":"neutral","sentiment_score":-0.09425761550664902},{"word":"mentioned","start":1811.635,"end":1811.7949,"confidence":0.66467285,"punctuated_word":"mentioned.","sentiment":"neutral","sentiment_score":-0.10350149124860764},{"word":"i","start":1811.7949,"end":1811.955,"confidence":0.7729492,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15282900631427765},{"word":"didn't","start":1811.955,"end":1812.135,"confidence":0.9794922,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.13811033964157104},{"word":"know","start":1812.135,"end":1812.315,"confidence":0.96435547,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.16219213604927063},{"word":"how","start":1812.315,"end":1812.4949,"confidence":0.80908203,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.16454820334911346},{"word":"it","start":1812.4949,"end":1812.6749,"confidence":0.9277344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13269418478012085},{"word":"worked","start":1812.6749,"end":1813.1749,"confidence":0.70288086,"punctuated_word":"worked.","sentiment":"neutral","sentiment_score":-0.1686689257621765},{"word":"it's","start":1813.635,"end":1814.135,"confidence":0.58947754,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.058987095952034},{"word":"it","start":1814.915,"end":1815.235,"confidence":0.53515625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09420507401227952},{"word":"i","start":1815.395,"end":1815.5549,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.125405952334404},{"word":"don't","start":1815.5549,"end":1815.715,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.12873537838459015},{"word":"wanna","start":1815.715,"end":1815.955,"confidence":0.9370117,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.17630724608898163},{"word":"be","start":1815.955,"end":1816.195,"confidence":0.9892578,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2035573422908783},{"word":"taking","start":1816.195,"end":1816.515,"confidence":0.6899414,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.22010856866836548},{"word":"control","start":1816.515,"end":1816.835,"confidence":0.9770508,"punctuated_word":"control","sentiment":"neutral","sentiment_score":-0.28508758544921875},{"word":"over","start":1816.835,"end":1817.075,"confidence":0.98535156,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.21228015422821045},{"word":"a","start":1817.075,"end":1817.235,"confidence":0.8071289,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1855102181434631},{"word":"super","start":1817.235,"end":1817.5549,"confidence":0.8041992,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.1465737670660019},{"word":"or","start":1817.5549,"end":1817.635,"confidence":0.91845703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.14777424931526184},{"word":"anything","start":1817.635,"end":1817.875,"confidence":0.43676758,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.09037788212299348},{"word":"like","start":1817.875,"end":1818.035,"confidence":0.97265625,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.13635283708572388},{"word":"that","start":1818.035,"end":1818.195,"confidence":0.76831055,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.12875130772590637},{"word":"so","start":1818.195,"end":1818.355,"confidence":0.8745117,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2397727221250534},{"word":"it's","start":1818.355,"end":1818.515,"confidence":0.6817627,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.36290714144706726},{"word":"good","start":1818.515,"end":1819.015,"confidence":0.82250977,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.27200156450271606},{"word":"oh","start":1819.875,"end":1820.115,"confidence":0.69311523,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.2884269952774048},{"word":"okay","start":1820.115,"end":1820.4349,"confidence":0.65527344,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.36279571056365967},{"word":"thank","start":1820.4349,"end":1820.6749,"confidence":0.9267578,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6195314526557922},{"word":"you","start":1820.6749,"end":1820.755,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6460146903991699},{"word":"very","start":1820.755,"end":1821.075,"confidence":0.99316406,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6546252369880676},{"word":"much","start":1821.075,"end":1821.575,"confidence":0.99560547,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.6190452575683594},{"word":"well","start":1822.275,"end":1822.515,"confidence":0.75341797,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.369565486907959},{"word":"it's","start":1822.515,"end":1823.015,"confidence":0.31347656,"punctuated_word":"it's.","sentiment":"neutral","sentiment_score":0.31580644845962524},{"word":"yeah","start":1833.96,"end":1834.28,"confidence":0.7963867,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06656701117753983},{"word":"yeah","start":1834.28,"end":1834.6799,"confidence":0.9091797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0527041032910347},{"word":"yeah","start":1834.6799,"end":1835.1799,"confidence":0.8352051,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.025508230552077293},{"word":"yeah","start":1844.905,"end":1845.405,"confidence":0.93652344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07644888013601303},{"word":"yeah","start":1845.545,"end":1846.045,"confidence":0.92163086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07013247907161713},{"word":"it'd","start":1847.305,"end":1847.625,"confidence":0.48339844,"punctuated_word":"It'd","sentiment":"neutral","sentiment_score":-0.1187404841184616},{"word":"be","start":1847.625,"end":1847.865,"confidence":0.9873047,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.12013517320156096},{"word":"tangled","start":1847.865,"end":1848.365,"confidence":0.9951172,"punctuated_word":"tangled","sentiment":"neutral","sentiment_score":-0.15684324502944946},{"word":"up","start":1848.425,"end":1848.665,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1853344738483429},{"word":"with","start":1848.665,"end":1848.905,"confidence":0.87353516,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1879234164953232},{"word":"it","start":1848.905,"end":1849.405,"confidence":0.6369629,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.0880727469921112},{"word":"yeah","start":1849.7051,"end":1850.025,"confidence":0.99072266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08147905021905899},{"word":"if","start":1850.025,"end":1850.185,"confidence":0.77246094,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.11194610595703124},{"word":"something","start":1850.185,"end":1850.505,"confidence":0.9941406,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.0869881734251976},{"word":"was","start":1850.505,"end":1850.745,"confidence":0.9223633,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.11684328317642212},{"word":"happening","start":1850.745,"end":1851.0651,"confidence":0.75146484,"punctuated_word":"happening,","sentiment":"neutral","sentiment_score":-0.13440805673599243},{"word":"you","start":1851.0651,"end":1851.225,"confidence":0.77734375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14138227701187134},{"word":"broke","start":1851.225,"end":1851.4651,"confidence":0.9951172,"punctuated_word":"broke","sentiment":"neutral","sentiment_score":-0.1796702742576599},{"word":"up","start":1851.4651,"end":1851.625,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.16356483101844788},{"word":"or","start":1851.625,"end":1851.785,"confidence":0.8125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.18792301416397095},{"word":"something","start":1851.785,"end":1852.105,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.19933412969112396},{"word":"and","start":1852.105,"end":1852.265,"confidence":0.5913086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17116469144821167},{"word":"then","start":1852.265,"end":1852.665,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1495806872844696},{"word":"be","start":1852.665,"end":1852.905,"confidence":0.8154297,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15275435149669647},{"word":"all","start":1852.905,"end":1853.34,"confidence":0.98657227,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":-0.1641204059123993},{"word":"yeah","start":1853.58,"end":1853.82,"confidence":0.99609375,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.13423603773117063},{"word":"mingled","start":1853.82,"end":1854.32,"confidence":0.8093262,"punctuated_word":"mingled","sentiment":"neutral","sentiment_score":-0.11864415556192398},{"word":"up","start":1854.38,"end":1854.62,"confidence":0.9941406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.14086762070655823},{"word":"and","start":1854.62,"end":1855.12,"confidence":0.7006836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0779118537902832},{"word":"you","start":1855.6599,"end":1855.82,"confidence":0.73583984,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.23264823853969577},{"word":"gotta","start":1855.82,"end":1856.0599,"confidence":0.28881836,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.19628632068634033},{"word":"be","start":1856.0599,"end":1856.2999,"confidence":0.9902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2338402569293976},{"word":"a","start":1856.2999,"end":1856.38,"confidence":0.9614258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16927453875541687},{"word":"mess","start":1856.38,"end":1856.88,"confidence":0.99365234,"punctuated_word":"mess.","sentiment":"neutral","sentiment_score":-0.17816564440727234},{"word":"yeah","start":1857.58,"end":1858.08,"confidence":0.7536621,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04209641367197037},{"word":"yeah","start":1858.5399,"end":1858.94,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03089295513927937},{"word":"although","start":1858.94,"end":1859.34,"confidence":0.6323242,"punctuated_word":"Although","sentiment":"neutral","sentiment_score":-0.050964195281267166},{"word":"we","start":1859.34,"end":1859.5,"confidence":0.81347656,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06416016817092896},{"word":"intended","start":1859.5,"end":1860.0,"confidence":0.9589844,"punctuated_word":"intended","sentiment":"neutral","sentiment_score":-0.06184229627251625},{"word":"to","start":1860.14,"end":1860.22,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05533341318368912},{"word":"do","start":1860.22,"end":1860.46,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06274421513080597},{"word":"that","start":1860.46,"end":1860.7799,"confidence":0.9604492,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.07157546281814575},{"word":"but","start":1860.7799,"end":1861.26,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06212387979030609},{"word":"i'd","start":1861.26,"end":1861.58,"confidence":0.74243164,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.056893348693847656},{"word":"say","start":1861.58,"end":1861.9,"confidence":0.97998047,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.050784558057785034},{"word":"i","start":1861.9,"end":1862.0599,"confidence":0.73046875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07031510770320892},{"word":"could","start":1862.0599,"end":1862.2999,"confidence":0.56933594,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.09021416306495668},{"word":"understand","start":1862.2999,"end":1862.7999,"confidence":0.99902344,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.11255016177892684},{"word":"why","start":1862.86,"end":1863.1,"confidence":0.9970703,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.10252602398395538},{"word":"it's","start":1863.1,"end":1863.34,"confidence":0.95532227,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1363549530506134},{"word":"a","start":1863.34,"end":1863.5,"confidence":0.4230957,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12469456344842912},{"word":"little","start":1863.5,"end":1863.6599,"confidence":0.7319336,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.09822404384613036},{"word":"yeah","start":1863.9,"end":1864.4,"confidence":0.9711914,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.07513558864593506},{"word":"yeah","start":1865.98,"end":1866.48,"confidence":0.97753906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.042497728019952774},{"word":"yeah","start":1866.7,"end":1867.1799,"confidence":0.9760742,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05557892471551895},{"word":"yeah","start":1867.1799,"end":1867.6799,"confidence":0.74279785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05707098916172981},{"word":"no","start":1873.135,"end":1873.535,"confidence":0.9367676,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.002067461609840393},{"word":"that's","start":1873.535,"end":1873.775,"confidence":0.8469238,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1584712415933609},{"word":"pretty","start":1873.775,"end":1874.015,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.1751372516155243},{"word":"good","start":1874.015,"end":1874.175,"confidence":0.9980469,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.10717801004648209},{"word":"thanks","start":1874.175,"end":1874.675,"confidence":0.99853516,"punctuated_word":"Thanks.","sentiment":"neutral","sentiment_score":0.1912427842617035},{"word":"yeah","start":1875.615,"end":1876.0951,"confidence":0.6431885,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18879248201847076},{"word":"yep","start":1876.0951,"end":1876.5951,"confidence":0.99121094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15907196700572968},{"word":"yep","start":1882.415,"end":1882.915,"confidence":0.77368164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11078445613384248},{"word":"yep","start":1885.62,"end":1886.12,"confidence":0.984375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.058322474360466},{"word":"mhmm","start":1891.62,"end":1892.12,"confidence":0.994751,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.011122348718345164},{"word":"yeah","start":1912.22,"end":1912.72,"confidence":0.7437744,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09554596990346909},{"word":"yep","start":1915.58,"end":1915.98,"confidence":0.98168945,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.35818764567375183},{"word":"that'd","start":1915.98,"end":1916.22,"confidence":0.9782715,"punctuated_word":"That'd","sentiment":"positive","sentiment_score":0.6439905762672424},{"word":"be","start":1916.22,"end":1916.38,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.6905533671379089},{"word":"good","start":1916.38,"end":1916.54,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6695319414138794},{"word":"thank","start":1916.54,"end":1916.78,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7857916355133057},{"word":"you","start":1916.78,"end":1917.28,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6710944175720215},{"word":"okay","start":1925.169,"end":1925.569,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.411064088344574},{"word":"thank","start":1925.569,"end":1925.729,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6199425458908081},{"word":"you","start":1925.729,"end":1926.209,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5905007123947144},{"word":"thank","start":1926.209,"end":1926.449,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5714581608772278},{"word":"you","start":1926.449,"end":1926.949,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5390443801879883},{"word":"okay","start":1928.929,"end":1929.429,"confidence":0.9875488,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13545721769332886},{"word":"bye","start":1929.4889,"end":1929.6489,"confidence":0.99902344,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.1341850757598877},{"word":"bye","start":1929.6489,"end":1930.1489,"confidence":0.9914551,"punctuated_word":"bye.","sentiment":"neutral","sentiment_score":0.133588969707489}],"paragraphs":{"transcript":"\nHello? Yes. Hey. Good. Thank you.\n\nYep. Yeah. I'm driving, but that'll be fine. Yep. Yep.\n\nYeah. My mom's paying for it. Yep. That's Peter William Clark. First of the 06/09/1966.\n\n9 Brisbane Street, Clayton. No. I'll just say where everything's at really. Well, I'm 60 now. Just gotta start looking towards retirement.\n\nBut yeah. Well, at at the moment, I've I've still got a fair bit to go on my house one. So that's if I was if that was paid for, the it ought to be totally different, but there's still still eleven still eleven years on it. But I'm paying more, so I don't know exactly when it'll end up being paid for. Yeah.\n\nYeah. Pretty well. Well, that that would be good. But that's maybe a little bit unrealistic, but yeah. With the line on me.\n\nYeah. No. I think that'd be better better swift. Raise me comfortable once the mortgage is good. Yes.\n\nWell, realistically, no. But yeah. You know, kids are like, they're always dependent. No. No.\n\nTheir the youngest is 24. Yes. Yes. Yep. 0428, 559 4450.\n\nYeah. Yeah. It's still the site. Yep. Yes.\n\nIt's about 1,800 a fortnight. Yeah. Yep. That's Well, that's that's hard to tell because I could get $500 on a weekend or I can get none. So just it's been hard to really if you can average it out average it out maybe 300 a week.\n\nWeekends? Yeah. On on a weekend. Yes. When if because I don't work every weekend.\n\nI don't work every every day on the weekend. So it just depends on if you if you put an average in to probably probably say 300. That's only, I guess. Yeah. Yeah.\n\nThat that could be changing soon too because of long story, but our mill looks like slowing down, which wherever the work comes from. So anyway but at the moment, that's why it is it. No. No. Yep.\n\nNo. I haven't been there. Yeah. Probably a bit more. You could probably get a fixed line.\n\nYeah. Tell me if buying all the bills and everything because there's nothing left out of this. Yep. Yeah. I'm not really sure if it's still the same or what.\n\nRight. I just got a bed covered in mine there. Yes. Yeah. Well, that's that's sorry.\n\nNo. You're right. Yeah. Yeah. That'll be about right there.\n\nContents. Yeah. That's right. Yep. Yep.\n\nWell, I'm not sure what they value on it now. Yeah. Yeah. Well, that's what we paid for it, but that what it is now, I don't know. But it's probably 30,000 now.\n\nBut the Yes. We'll leave it at that. No. Not really. Nope.\n\nCorrect. Yeah. No. Not at the moment. No.\n\nWe've just gone through that with family stuff, and we've gotta do that very soon. Yeah. Yeah. Yeah. Well, we've we've gone through a a thing with a family member and never had a will, so we're realizing how bad it can be.\n\nSo we yeah. That's one. Yeah. Immediately. That's right.\n\nYeah. Yeah. That's right. Yep. Yeah.\n\nWell, we would just use it as a local solicitor, but I don't know who's the best for it. Mhmm. Yeah. That'll be good. Thanks.\n\nOkay. Yes. Yes. That's correct. Mhmm.\n\nNo. No. Don't be don't be telling her things like that. She's sitting next to me. Good.\n\nThank you. Yep. Yep. No. Probably high and moderate or somewhere around there.\n\nBut I don't wanna lose everything in one go. Mhmm. Yeah. Yep. That's a hard one because because if you just pull out, you're losing all that money, and then just depends on all Yeah.\n\nI'd probably yeah. I'd probably hang it out in general. Probably a bit top two, but a little bit cautious. Just they're all not they don't depend on how close I am to retirement. When you start you're not starting to lose time and building it back to where it should be.\n\nYep. Yeah. Yeah. Well, as I said, I was getting to the stage now. I'm looking towards retirement, and then I'll be a little bit yeah.\n\nBut but I'm not at the stage where I can't say well, I'm just gonna have to hang off a bit longer. Not really. I don't think so. No. Originally, we took out a loan, but it's it's all combined in the in the one loan that now, so so we pay the one debt.\n\nNo. Not really. Not. Mhmm. Yep.\n\nYep. Mhmm. Mhmm. Yep. Mhmm.\n\nMhmm. Yep. Mhmm. Well, probably the balance, but yeah. Yeah.\n\nBut I I I I reckon I might later another year is the way it is. Mhmm. Yep. Yep. Yes.\n\nYep. Mhmm. I'm pretty free, actually. It's some I'm on holidays. So yeah.\n\nWhat sort of holidays? Probably midmorning at the same time. Yeah. Mhmm. Yep.\n\nOh, we're about to add 09:30. Yep. Yeah. Yep. Yep.\n\nOkay. Yep. Not at Mhmm. Mhmm. Yep.\n\nMhmm. Mhmm. Yep. Yep. Yep.\n\nMhmm. No. Yeah. From retirement. So we don't have to, like, disclose the super account.\n\nWe can take, like, weekly wage or monthly wage out of pool. Is that the way it goes? Yeah. No. Like, taking money out of your super, we're we don't have to take it all in one lump sum.\n\nOnce you retire, you can take it as a waste. Yep. Yep. Yep. Yes.\n\nYep. That that makes sense. So the other other question that was just thrown around in my head was, well, my wife never had an iSuper account before, and now she's and and I've got a super. I don't know whether it's right or wrong, but someone's told me about not so much combining so it's all in mind, but putting them together type thing. I don't know how it works.\n\nIs there something in that way? Yeah. No. That's right. Yeah.\n\nNo. That was just something that I someone's mentioned. I didn't know how it worked. It's it I don't wanna be taking control over a super or anything like that. So it's good.\n\nOh, okay. Thank you very much. Well, it's. Yeah. Yeah.\n\nYeah. Yeah. Yeah. It'd be tangled up with it. Yeah.\n\nIf something was happening, you broke up or something and then be all, yeah, mingled up and you gotta be a mess. Yeah. Yeah. Although we intended to do that, but I'd say I could understand why it's a little yeah. Yeah.\n\nYeah. Yeah. No. That's pretty good. Thanks.\n\nYeah. Yep. Yep. Yep. Mhmm.\n\nYeah. Yep. That'd be good. Thank you. Okay.\n\nThank you. Thank you. Okay. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.035522326827049255},{"text":"Yes.","start":9.36,"end":9.5199995,"sentiment":"neutral","sentiment_score":0.16776058077812195},{"text":"Hey.","start":9.5199995,"end":9.76,"sentiment":"neutral","sentiment_score":0.3165842294692993},{"text":"Good.","start":9.76,"end":10.0,"sentiment":"positive","sentiment_score":0.5884336233139038},{"text":"Thank you.","start":10.0,"end":10.74,"sentiment":"positive","sentiment_score":0.7293398678302765}],"sentiment":"positive","sentiment_score":0.4278300826748212,"num_words":6,"start":0.48,"end":10.74},{"sentences":[{"text":"Yep.","start":18.605,"end":19.005001,"sentiment":"neutral","sentiment_score":0.09069718420505524},{"text":"Yeah.","start":19.005001,"end":19.244999,"sentiment":"neutral","sentiment_score":0.08185548335313797},{"text":"I'm driving, but that'll be fine.","start":19.244999,"end":21.005001,"sentiment":"neutral","sentiment_score":0.06648822252949078},{"text":"Yep.","start":21.005001,"end":21.505001,"sentiment":"neutral","sentiment_score":0.07659578323364258},{"text":"Yep.","start":25.965,"end":26.205,"sentiment":"neutral","sentiment_score":0.09583568572998048}],"sentiment":"neutral","sentiment_score":0.0743913471698761,"num_words":10,"start":18.605,"end":26.205},{"sentences":[{"text":"Yeah.","start":26.205,"end":26.365,"sentiment":"neutral","sentiment_score":0.0916241705417633},{"text":"My mom's paying for it.","start":26.365,"end":27.744999,"sentiment":"neutral","sentiment_score":0.11305653750896454},{"text":"Yep.","start":40.39,"end":40.89,"sentiment":"neutral","sentiment_score":0.04636946320533752},{"text":"That's Peter William Clark.","start":53.255,"end":54.875,"sentiment":"neutral","sentiment_score":0.010405306005850434},{"text":"First of the 06/09/1966.","start":54.935,"end":56.955,"sentiment":"neutral","sentiment_score":0.014020064380019903}],"sentiment":"neutral","sentiment_score":0.05339852018902699,"num_words":15,"start":26.205,"end":56.955},{"sentences":[{"text":"9 Brisbane Street, Clayton.","start":57.38,"end":59.0,"sentiment":"neutral","sentiment_score":0.017997206188738346},{"text":"No.","start":78.534996,"end":78.775,"sentiment":"neutral","sentiment_score":-0.12186086922883987},{"text":"I'll just say where everything's at really.","start":78.775,"end":80.555,"sentiment":"neutral","sentiment_score":-0.11926431741033282},{"text":"Well, I'm 60 now.","start":82.07,"end":83.189995,"sentiment":"neutral","sentiment_score":-0.04714267607778311},{"text":"Just gotta start looking towards retirement.","start":83.189995,"end":86.09,"sentiment":"neutral","sentiment_score":-0.0478028766810894}],"sentiment":"neutral","sentiment_score":-0.06182319230654023,"num_words":22,"start":57.38,"end":86.09},{"sentences":[{"text":"But yeah.","start":86.149994,"end":87.38,"sentiment":"neutral","sentiment_score":-0.024521304294466972},{"text":"Well, at at the moment, I've I've still got a fair bit to go on my house one.","start":98.354996,"end":103.634995,"sentiment":"neutral","sentiment_score":-0.08419936005440024},{"text":"So that's if I was if that was paid for, the it ought to be totally different, but there's still still eleven still eleven years on it.","start":103.634995,"end":113.93,"sentiment":"neutral","sentiment_score":-0.07916223381956418},{"text":"But I'm paying more, so I don't know exactly when it'll end up being paid for.","start":113.93,"end":117.71001,"sentiment":"neutral","sentiment_score":-0.17874788166955113},{"text":"Yeah.","start":129.125,"end":129.44499,"sentiment":"neutral","sentiment_score":0.07722321897745132}],"sentiment":"neutral","sentiment_score":-0.1013242857879959,"num_words":64,"start":86.149994,"end":129.44499},{"sentences":[{"text":"Yeah.","start":129.44499,"end":129.765,"sentiment":"neutral","sentiment_score":0.2058542966842651},{"text":"Pretty well.","start":129.765,"end":130.50499,"sentiment":"positive","sentiment_score":0.36854712665081024},{"text":"Well, that that would be good.","start":146.05,"end":151.75,"sentiment":"neutral","sentiment_score":0.1863863623390595},{"text":"But that's maybe a little bit unrealistic, but yeah.","start":151.81,"end":158.045,"sentiment":"neutral","sentiment_score":-0.1364492972691854},{"text":"With the line on me.","start":159.465,"end":160.765,"sentiment":"neutral","sentiment_score":0.12322320193052291}],"sentiment":"neutral","sentiment_score":0.06301474166305168,"num_words":23,"start":129.44499,"end":160.765},{"sentences":[{"text":"Yeah.","start":180.68001,"end":181.18001,"sentiment":"neutral","sentiment_score":0.11182449012994766},{"text":"No.","start":185.035,"end":185.355,"sentiment":"neutral","sentiment_score":-0.13359463214874268},{"text":"I think that'd be better better swift.","start":185.355,"end":188.155,"sentiment":"neutral","sentiment_score":-0.13263016300542013},{"text":"Raise me comfortable once the mortgage is good.","start":188.155,"end":190.495,"sentiment":"neutral","sentiment_score":0.13745330879464746},{"text":"Yes.","start":220.095,"end":220.595,"sentiment":"neutral","sentiment_score":0.05167822539806366}],"sentiment":"neutral","sentiment_score":0.01117352292769485,"num_words":18,"start":180.68001,"end":220.595},{"sentences":[{"text":"Well, realistically, no.","start":221.695,"end":225.01,"sentiment":"neutral","sentiment_score":-0.007243727644284566},{"text":"But yeah.","start":225.01,"end":225.82999,"sentiment":"neutral","sentiment_score":-0.0385691998526454},{"text":"You know, kids are like, they're always dependent.","start":226.76999,"end":229.10999,"sentiment":"neutral","sentiment_score":-0.023629096569493413},{"text":"No.","start":233.96999,"end":234.46999,"sentiment":"neutral","sentiment_score":-0.06651818752288818},{"text":"No.","start":234.93,"end":235.25,"sentiment":"neutral","sentiment_score":-0.06008502095937729}],"sentiment":"neutral","sentiment_score":-0.027633704245090485,"num_words":15,"start":221.695,"end":235.25},{"sentences":[{"text":"Their the youngest is 24.","start":235.25,"end":237.34999,"sentiment":"neutral","sentiment_score":-0.05456999912858009},{"text":"Yes.","start":254.8,"end":255.3,"sentiment":"neutral","sentiment_score":0.06949023902416229},{"text":"Yes.","start":255.84,"end":256.34,"sentiment":"neutral","sentiment_score":0.11301203072071075},{"text":"Yep.","start":264.575,"end":264.975,"sentiment":"neutral","sentiment_score":0.0007591665489599109},{"text":"0428, 559 4450.","start":264.975,"end":274.115,"sentiment":"neutral","sentiment_score":0.0022426766275505847}],"sentiment":"neutral","sentiment_score":-0.007532775406037796,"num_words":11,"start":235.25,"end":274.115},{"sentences":[{"text":"Yeah.","start":287.03998,"end":287.44,"sentiment":"neutral","sentiment_score":0.028938712552189827},{"text":"Yeah.","start":287.44,"end":287.52,"sentiment":"neutral","sentiment_score":0.027585653588175777},{"text":"It's still the site.","start":287.52,"end":288.66,"sentiment":"neutral","sentiment_score":0.02388765523210168},{"text":"Yep.","start":292.195,"end":292.695,"sentiment":"neutral","sentiment_score":0.03920270502567291},{"text":"Yes.","start":295.55502,"end":296.05502,"sentiment":"neutral","sentiment_score":0.03983104228973389}],"sentiment":"neutral","sentiment_score":0.02888859179802239,"num_words":8,"start":287.03998,"end":296.05502},{"sentences":[{"text":"It's about 1,800 a fortnight.","start":302.995,"end":304.77502,"sentiment":"neutral","sentiment_score":0.0095774388872087},{"text":"Yeah.","start":309.31,"end":309.79,"sentiment":"neutral","sentiment_score":0.01937975361943245},{"text":"Yep.","start":309.79,"end":310.29,"sentiment":"neutral","sentiment_score":0.02035607397556305},{"text":"That's Well, that's that's hard to tell because I could get $500 on a weekend or I can get none.","start":311.38998,"end":327.465,"sentiment":"neutral","sentiment_score":-0.12349438471719623},{"text":"So just it's been hard to really if you can average it out average it out maybe 300 a week.","start":327.465,"end":339.36002,"sentiment":"neutral","sentiment_score":-0.04527725977823138}],"sentiment":"neutral","sentiment_score":-0.06995340144420241,"num_words":47,"start":302.995,"end":339.36002},{"sentences":[{"text":"Weekends?","start":340.54,"end":341.04,"sentiment":"neutral","sentiment_score":-0.020670566707849503},{"text":"Yeah.","start":341.98,"end":342.48,"sentiment":"neutral","sentiment_score":-0.014945533126592636},{"text":"On on a weekend.","start":342.62003,"end":343.5,"sentiment":"neutral","sentiment_score":-0.01634034374728799},{"text":"Yes.","start":343.5,"end":344.0,"sentiment":"neutral","sentiment_score":-0.007991405203938484},{"text":"When if because I don't work every weekend.","start":344.06,"end":346.54,"sentiment":"neutral","sentiment_score":-0.06762076390441507}],"sentiment":"neutral","sentiment_score":-0.043328999417523544,"num_words":15,"start":340.54,"end":346.54},{"sentences":[{"text":"I don't work every every day on the weekend.","start":346.54,"end":348.38,"sentiment":"neutral","sentiment_score":-0.09173528436157438},{"text":"So it just depends on if you if you put an average in to probably probably say 300.","start":348.38,"end":353.695,"sentiment":"neutral","sentiment_score":-0.04191801448663076},{"text":"That's only, I guess.","start":354.155,"end":355.21503,"sentiment":"neutral","sentiment_score":-0.05859634652733803},{"text":"Yeah.","start":360.795,"end":361.11502,"sentiment":"neutral","sentiment_score":-0.017488855868577957},{"text":"Yeah.","start":361.11502,"end":361.61502,"sentiment":"neutral","sentiment_score":-0.013095262460410597}],"sentiment":"neutral","sentiment_score":-0.055912464377329205,"num_words":33,"start":346.54,"end":361.61502},{"sentences":[{"text":"That that could be changing soon too because of long story, but our mill looks like slowing down, which wherever the work comes from.","start":362.50998,"end":372.19,"sentiment":"neutral","sentiment_score":-0.08399806854625542},{"text":"So anyway but at the moment, that's why it is it.","start":372.19,"end":375.945,"sentiment":"neutral","sentiment_score":-0.041931728409095245},{"text":"No.","start":389.14502,"end":389.545,"sentiment":"neutral","sentiment_score":-0.08381091058254242},{"text":"No.","start":389.545,"end":390.045,"sentiment":"neutral","sentiment_score":-0.08827203512191772},{"text":"Yep.","start":392.19,"end":392.69,"sentiment":"neutral","sentiment_score":0.08699394762516022}],"sentiment":"neutral","sentiment_score":-0.06742872778130204,"num_words":38,"start":362.50998,"end":392.69},{"sentences":[{"text":"No.","start":399.87,"end":400.11,"sentiment":"neutral","sentiment_score":-0.19275423884391785},{"text":"I haven't been there.","start":400.11,"end":401.41,"sentiment":"neutral","sentiment_score":-0.15653913468122482},{"text":"Yeah.","start":413.835,"end":414.335,"sentiment":"neutral","sentiment_score":0.03692968934774399},{"text":"Probably a bit more.","start":415.595,"end":416.735,"sentiment":"neutral","sentiment_score":0.020874581765383482},{"text":"You could probably get a fixed line.","start":420.36,"end":421.63998,"sentiment":"neutral","sentiment_score":0.0755196852343423}],"sentiment":"neutral","sentiment_score":-0.009990880265831947,"num_words":17,"start":399.87,"end":421.63998},{"sentences":[{"text":"Yeah.","start":421.63998,"end":422.13998,"sentiment":"neutral","sentiment_score":0.07184760272502899},{"text":"Tell me if buying all the bills and everything because there's nothing left out of this.","start":432.995,"end":436.295,"sentiment":"neutral","sentiment_score":0.040778995025902987},{"text":"Yep.","start":440.915,"end":441.415,"sentiment":"neutral","sentiment_score":0.011275420896708964},{"text":"Yeah.","start":455.05002,"end":455.55002,"sentiment":"neutral","sentiment_score":-0.06380350887775421},{"text":"I'm not really sure if it's still the same or what.","start":456.33002,"end":458.83002,"sentiment":"neutral","sentiment_score":-0.12952469018372623}],"sentiment":"neutral","sentiment_score":-0.025099605228751896,"num_words":30,"start":421.63998,"end":458.83002},{"sentences":[{"text":"Right.","start":464.695,"end":464.855,"sentiment":"neutral","sentiment_score":0.006357800215482712},{"text":"I just got a bed covered in mine there.","start":464.855,"end":468.075,"sentiment":"neutral","sentiment_score":0.033061112380690046},{"text":"Yes.","start":480.17,"end":480.57,"sentiment":"neutral","sentiment_score":0.08270364999771118},{"text":"Yeah.","start":480.57,"end":481.07,"sentiment":"neutral","sentiment_score":0.0804150179028511},{"text":"Well, that's that's sorry.","start":482.09,"end":484.81,"sentiment":"neutral","sentiment_score":0.0054646823555231094}],"sentiment":"neutral","sentiment_score":0.03055532556027174,"num_words":16,"start":464.695,"end":484.81},{"sentences":[{"text":"No.","start":484.81,"end":485.05,"sentiment":"neutral","sentiment_score":-0.08464916050434113},{"text":"You're right.","start":485.05,"end":485.79,"sentiment":"neutral","sentiment_score":-0.05857890099287033},{"text":"Yeah.","start":493.315,"end":493.815,"sentiment":"neutral","sentiment_score":-0.009355541318655014},{"text":"Yeah.","start":494.595,"end":494.915,"sentiment":"neutral","sentiment_score":0.003321666270494461},{"text":"That'll be about right there.","start":494.915,"end":496.215,"sentiment":"neutral","sentiment_score":0.003663972206413746}],"sentiment":"neutral","sentiment_score":-0.01895209765061736,"num_words":10,"start":484.81,"end":496.215},{"sentences":[{"text":"Contents.","start":502.55,"end":503.05,"sentiment":"neutral","sentiment_score":0.021294891834259033},{"text":"Yeah.","start":503.11,"end":503.61,"sentiment":"neutral","sentiment_score":0.04329407215118408},{"text":"That's right.","start":512.39,"end":512.95,"sentiment":"neutral","sentiment_score":0.05203842930495739},{"text":"Yep.","start":512.95,"end":513.45,"sentiment":"neutral","sentiment_score":0.04429389536380768},{"text":"Yep.","start":518.895,"end":519.395,"sentiment":"neutral","sentiment_score":0.023370303213596344}],"sentiment":"neutral","sentiment_score":0.039388336862126984,"num_words":6,"start":502.55,"end":519.395},{"sentences":[{"text":"Well, I'm not sure what they value on it now.","start":519.695,"end":521.795,"sentiment":"neutral","sentiment_score":-0.04304131362587214},{"text":"Yeah.","start":522.415,"end":522.915,"sentiment":"neutral","sentiment_score":-0.022190159186720848},{"text":"Yeah.","start":526.015,"end":526.335,"sentiment":"neutral","sentiment_score":-0.006941807456314564},{"text":"Well, that's what we paid for it, but that what it is now, I don't know.","start":526.335,"end":529.295,"sentiment":"neutral","sentiment_score":-0.030545606539817527},{"text":"But it's probably 30,000 now.","start":529.295,"end":531.375,"sentiment":"neutral","sentiment_score":-0.026086726412177085}],"sentiment":"neutral","sentiment_score":-0.032688134533324927,"num_words":33,"start":519.695,"end":531.375},{"sentences":[{"text":"But the Yes.","start":531.375,"end":542.14,"sentiment":"neutral","sentiment_score":-0.007031406586368878},{"text":"We'll leave it at that.","start":542.36005,"end":543.42004,"sentiment":"neutral","sentiment_score":0.03357351161539555},{"text":"No.","start":548.875,"end":549.035,"sentiment":"neutral","sentiment_score":-0.21728993952274325},{"text":"Not really.","start":549.035,"end":549.77496,"sentiment":"neutral","sentiment_score":-0.22305550426244736},{"text":"Nope.","start":562.03,"end":562.27,"sentiment":"neutral","sentiment_score":-0.06011149287223816}],"sentiment":"neutral","sentiment_score":-0.04806159188350042,"num_words":12,"start":531.375,"end":562.27},{"sentences":[{"text":"Correct.","start":562.27,"end":562.67,"sentiment":"neutral","sentiment_score":0.1086423248052597},{"text":"Yeah.","start":562.67,"end":563.17,"sentiment":"neutral","sentiment_score":0.13940787315368652},{"text":"No.","start":567.55,"end":568.05,"sentiment":"neutral","sentiment_score":-0.09077249467372894},{"text":"Not at the moment.","start":577.645,"end":578.52496,"sentiment":"neutral","sentiment_score":-0.24900783598423004},{"text":"No.","start":578.52496,"end":579.02496,"sentiment":"neutral","sentiment_score":-0.25802290439605713}],"sentiment":"neutral","sentiment_score":-0.13709706813097,"num_words":8,"start":562.27,"end":579.02496},{"sentences":[{"text":"We've just gone through that with family stuff, and we've gotta do that very soon.","start":579.40497,"end":584.225,"sentiment":"neutral","sentiment_score":-0.3138754586378733},{"text":"Yeah.","start":585.245,"end":585.745,"sentiment":"neutral","sentiment_score":-0.0049758534878492355},{"text":"Yeah.","start":587.79004,"end":588.11005,"sentiment":"neutral","sentiment_score":0.018993163481354713},{"text":"Yeah.","start":588.11005,"end":588.61005,"sentiment":"neutral","sentiment_score":0.0201250109821558},{"text":"Well, we've we've gone through a a thing with a family member and never had a will, so we're realizing how bad it can be.","start":588.75,"end":596.19,"sentiment":"neutral","sentiment_score":-0.12029831368476153}],"sentiment":"neutral","sentiment_score":-0.17863831164445296,"num_words":43,"start":579.40497,"end":596.19},{"sentences":[{"text":"So we yeah.","start":596.19,"end":597.31,"sentiment":"neutral","sentiment_score":-0.002500916520754497},{"text":"That's one.","start":597.31,"end":598.13,"sentiment":"neutral","sentiment_score":0.030200020410120487},{"text":"Yeah.","start":598.67004,"end":598.75,"sentiment":"neutral","sentiment_score":0.04113999009132385},{"text":"Immediately.","start":598.75,"end":599.25,"sentiment":"neutral","sentiment_score":0.0418362095952034},{"text":"That's right.","start":604.355,"end":605.015,"sentiment":"neutral","sentiment_score":-0.03602997213602066}],"sentiment":"neutral","sentiment_score":0.007090394074718158,"num_words":9,"start":596.19,"end":605.015},{"sentences":[{"text":"Yeah.","start":612.755,"end":613.255,"sentiment":"neutral","sentiment_score":-0.017148686572909355},{"text":"Yeah.","start":619.42,"end":619.92,"sentiment":"neutral","sentiment_score":0.039914172142744064},{"text":"That's right.","start":624.3,"end":624.86,"sentiment":"neutral","sentiment_score":0.22295162826776505},{"text":"Yep.","start":624.86,"end":625.36,"sentiment":"neutral","sentiment_score":0.15341243147850037},{"text":"Yeah.","start":634.005,"end":634.505,"sentiment":"neutral","sentiment_score":0.04338156431913376}],"sentiment":"neutral","sentiment_score":0.11091045631716649,"num_words":6,"start":612.755,"end":634.505},{"sentences":[{"text":"Well, we would just use it as a local solicitor, but I don't know who's the best for it.","start":635.685,"end":641.625,"sentiment":"neutral","sentiment_score":0.05053235904166573},{"text":"Mhmm.","start":652.61,"end":653.11,"sentiment":"neutral","sentiment_score":0.03186720237135887},{"text":"Yeah.","start":667.495,"end":667.815,"sentiment":"positive","sentiment_score":0.43385249376297},{"text":"That'll be good.","start":667.815,"end":668.455,"sentiment":"positive","sentiment_score":0.6963539918263754},{"text":"Thanks.","start":668.455,"end":668.955,"sentiment":"positive","sentiment_score":0.7607467174530029}],"sentiment":"neutral","sentiment_score":0.17102572843432426,"num_words":25,"start":635.685,"end":668.955},{"sentences":[{"text":"Okay.","start":682.16003,"end":682.66003,"sentiment":"neutral","sentiment_score":0.1012713760137558},{"text":"Yes.","start":700.15,"end":700.65,"sentiment":"neutral","sentiment_score":0.11022425442934036},{"text":"Yes.","start":700.71,"end":701.11005,"sentiment":"neutral","sentiment_score":0.12528830766677856},{"text":"That's correct.","start":701.11005,"end":701.85004,"sentiment":"neutral","sentiment_score":0.3317318558692932},{"text":"Mhmm.","start":710.47003,"end":710.97003,"sentiment":"neutral","sentiment_score":0.04866258054971695}],"sentiment":"neutral","sentiment_score":0.1748183717330297,"num_words":6,"start":682.16003,"end":710.97003},{"sentences":[{"text":"No.","start":718.28503,"end":718.78503,"sentiment":"neutral","sentiment_score":-0.2095823585987091},{"text":"No.","start":719.245,"end":719.565,"sentiment":"neutral","sentiment_score":-0.267264187335968},{"text":"Don't be don't be telling her things like that.","start":719.565,"end":721.565,"sentiment":"neutral","sentiment_score":-0.2297189798620012},{"text":"She's sitting next to me.","start":721.565,"end":722.945,"sentiment":"neutral","sentiment_score":-0.020514117926359175},{"text":"Good.","start":735.32996,"end":735.49,"sentiment":"positive","sentiment_score":0.510883629322052}],"sentiment":"neutral","sentiment_score":-0.12564731323543718,"num_words":17,"start":718.28503,"end":735.49},{"sentences":[{"text":"Thank you.","start":735.49,"end":736.23,"sentiment":"positive","sentiment_score":0.6415905356407166},{"text":"Yep.","start":756.66,"end":757.16,"sentiment":"neutral","sentiment_score":0.18913058936595917},{"text":"Yep.","start":763.0875,"end":763.5875,"sentiment":"neutral","sentiment_score":0.13544169068336487},{"text":"No.","start":776.235,"end":776.735,"sentiment":"neutral","sentiment_score":-0.21672774851322177},{"text":"Probably high and moderate or somewhere around there.","start":799.975,"end":804.15497,"sentiment":"neutral","sentiment_score":-0.04188913805410266}],"sentiment":"neutral","sentiment_score":0.0812240383372857,"num_words":13,"start":735.49,"end":804.15497},{"sentences":[{"text":"But I don't wanna lose everything in one go.","start":805.01495,"end":808.475,"sentiment":"neutral","sentiment_score":-0.10787365130252308},{"text":"Mhmm.","start":823.575,"end":824.075,"sentiment":"neutral","sentiment_score":-0.019530687481164932},{"text":"Yeah.","start":831.175,"end":831.675,"sentiment":"neutral","sentiment_score":0.02462959848344326},{"text":"Yep.","start":831.735,"end":832.235,"sentiment":"neutral","sentiment_score":0.03321993350982666},{"text":"That's a hard one because because if you just pull out, you're losing all that money, and then just depends on all Yeah.","start":872.08,"end":900.1,"sentiment":"neutral","sentiment_score":-0.22333363476006882}],"sentiment":"neutral","sentiment_score":-0.17340621761977673,"num_words":35,"start":805.01495,"end":900.1},{"sentences":[{"text":"I'd probably yeah.","start":900.1,"end":903.13995,"sentiment":"neutral","sentiment_score":-0.12059304863214493},{"text":"I'd probably hang it out in general.","start":903.13995,"end":906.51996,"sentiment":"neutral","sentiment_score":-0.13811675405928067},{"text":"Probably a bit top two, but a little bit cautious.","start":935.04,"end":938.805,"sentiment":"neutral","sentiment_score":-0.1060619294643402},{"text":"Just they're all not they don't depend on how close I am to retirement.","start":944.545,"end":949.125,"sentiment":"neutral","sentiment_score":-0.09874475640910012},{"text":"When you start you're not starting to lose time and building it back to where it should be.","start":952.03,"end":957.65,"sentiment":"neutral","sentiment_score":0.014922711998224258}],"sentiment":"neutral","sentiment_score":-0.06736602870604166,"num_words":52,"start":900.1,"end":957.65},{"sentences":[{"text":"Yep.","start":988.22003,"end":988.72003,"sentiment":"neutral","sentiment_score":0.07750128209590912},{"text":"Yeah.","start":1000.545,"end":1001.045,"sentiment":"neutral","sentiment_score":0.09547295421361925},{"text":"Yeah.","start":1001.825,"end":1002.065,"sentiment":"neutral","sentiment_score":0.05477626621723175},{"text":"Well, as I said, I was getting to the stage now.","start":1002.065,"end":1004.065,"sentiment":"neutral","sentiment_score":0.02274184199896726},{"text":"I'm looking towards retirement, and then I'll be a little bit yeah.","start":1004.065,"end":1010.82996,"sentiment":"neutral","sentiment_score":0.009866980370134115}],"sentiment":"neutral","sentiment_score":0.022935174190654203,"num_words":26,"start":988.22003,"end":1010.82996},{"sentences":[{"text":"But but I'm not at the stage where I can't say well, I'm just gonna have to hang off a bit longer.","start":1011.52997,"end":1017.63,"sentiment":"neutral","sentiment_score":-0.17040010846473955},{"text":"Not really.","start":1039.11,"end":1039.9299,"sentiment":"neutral","sentiment_score":-0.1286812275648117},{"text":"I don't think so.","start":1041.51,"end":1042.39,"sentiment":"neutral","sentiment_score":-0.13064030557870865},{"text":"No.","start":1042.39,"end":1042.89,"sentiment":"neutral","sentiment_score":-0.14818641543388367},{"text":"Originally, we took out a loan, but it's it's all combined in the in the one loan that now, so so we pay the one debt.","start":1051.045,"end":1060.345,"sentiment":"neutral","sentiment_score":-0.01783440004174526}],"sentiment":"neutral","sentiment_score":-0.09346557963978161,"num_words":55,"start":1011.52997,"end":1060.345},{"sentences":[{"text":"No.","start":1079.9249,"end":1080.245,"sentiment":"neutral","sentiment_score":-0.23014850914478305},{"text":"Not really.","start":1080.245,"end":1080.8049,"sentiment":"neutral","sentiment_score":-0.1797398179769516},{"text":"Not.","start":1080.8049,"end":1081.3049,"sentiment":"neutral","sentiment_score":-0.17150013148784635},{"text":"Mhmm.","start":1094.48,"end":1094.98,"sentiment":"neutral","sentiment_score":0.016759999096393585},{"text":"Yep.","start":1097.0399,"end":1097.5399,"sentiment":"neutral","sentiment_score":0.09555010497570038}],"sentiment":"neutral","sentiment_score":-0.10813636208573978,"num_words":6,"start":1079.9249,"end":1097.5399},{"sentences":[{"text":"Yep.","start":1119.42,"end":1119.92,"sentiment":"neutral","sentiment_score":0.25696489214897156},{"text":"Mhmm.","start":1131.9801,"end":1132.4801,"sentiment":"neutral","sentiment_score":0.15529485046863556},{"text":"Mhmm.","start":1144.295,"end":1144.795,"sentiment":"neutral","sentiment_score":0.0506797656416893},{"text":"Yep.","start":1165.755,"end":1166.255,"sentiment":"neutral","sentiment_score":0.14094161987304688},{"text":"Mhmm.","start":1177.42,"end":1177.92,"sentiment":"neutral","sentiment_score":0.11053114384412766}],"sentiment":"neutral","sentiment_score":0.14288245439529418,"num_words":5,"start":1119.42,"end":1177.92},{"sentences":[{"text":"Mhmm.","start":1196.7151,"end":1196.795,"sentiment":"neutral","sentiment_score":0.08578028529882431},{"text":"Yep.","start":1196.795,"end":1197.295,"sentiment":"neutral","sentiment_score":0.1378660649061203},{"text":"Mhmm.","start":1217.33,"end":1217.83,"sentiment":"neutral","sentiment_score":0.10704812407493591},{"text":"Well, probably the balance, but yeah.","start":1228.325,"end":1230.425,"sentiment":"neutral","sentiment_score":0.017948012488583725},{"text":"Yeah.","start":1233.7,"end":1234.0199,"sentiment":"neutral","sentiment_score":0.10609999299049376}],"sentiment":"neutral","sentiment_score":0.05444825422018766,"num_words":10,"start":1196.7151,"end":1234.0199},{"sentences":[{"text":"But I I I I reckon I might later another year is the way it is.","start":1234.0199,"end":1238.7599,"sentiment":"neutral","sentiment_score":0.0977036461699754},{"text":"Mhmm.","start":1270.7699,"end":1271.2699,"sentiment":"neutral","sentiment_score":0.16161736845970154},{"text":"Yep.","start":1280.985,"end":1281.485,"sentiment":"neutral","sentiment_score":0.30232489109039307},{"text":"Yep.","start":1323.3201,"end":1323.8201,"sentiment":"neutral","sentiment_score":0.12900474667549133},{"text":"Yes.","start":1323.9601,"end":1324.4601,"sentiment":"neutral","sentiment_score":0.09096681326627731}],"sentiment":"neutral","sentiment_score":0.11235860791057348,"num_words":20,"start":1234.0199,"end":1324.4601},{"sentences":[{"text":"Yep.","start":1327.0801,"end":1327.5801,"sentiment":"neutral","sentiment_score":0.2606423795223236},{"text":"Mhmm.","start":1339.505,"end":1339.585,"sentiment":"neutral","sentiment_score":0.08969469368457794},{"text":"I'm pretty free, actually.","start":1339.585,"end":1341.105,"sentiment":"neutral","sentiment_score":0.17317484691739082},{"text":"It's some I'm on holidays.","start":1341.105,"end":1343.205,"sentiment":"neutral","sentiment_score":0.07010618895292282},{"text":"So yeah.","start":1343.505,"end":1345.58,"sentiment":"neutral","sentiment_score":0.176220141351223}],"sentiment":"neutral","sentiment_score":0.13430828371873269,"num_words":13,"start":1327.0801,"end":1345.58},{"sentences":[{"text":"What sort of holidays?","start":1346.84,"end":1347.9,"sentiment":"neutral","sentiment_score":0.06374151259660721},{"text":"Probably midmorning at the same time.","start":1357.24,"end":1360.385,"sentiment":"neutral","sentiment_score":0.08623037363092105},{"text":"Yeah.","start":1361.245,"end":1361.745,"sentiment":"neutral","sentiment_score":0.08037549257278442},{"text":"Mhmm.","start":1369.565,"end":1370.065,"sentiment":"neutral","sentiment_score":0.020891565829515457},{"text":"Yep.","start":1384.39,"end":1384.89,"sentiment":"neutral","sentiment_score":0.01898050680756569}],"sentiment":"neutral","sentiment_score":0.0686612197986016,"num_words":13,"start":1346.84,"end":1384.89},{"sentences":[{"text":"Oh, we're about to add 09:30.","start":1385.5901,"end":1387.13,"sentiment":"neutral","sentiment_score":0.018233996505538624},{"text":"Yep.","start":1393.545,"end":1394.025,"sentiment":"neutral","sentiment_score":0.03164571523666382},{"text":"Yeah.","start":1394.025,"end":1394.185,"sentiment":"neutral","sentiment_score":0.08051088452339172},{"text":"Yep.","start":1394.185,"end":1394.685,"sentiment":"neutral","sentiment_score":0.0951087325811386},{"text":"Yep.","start":1396.025,"end":1396.525,"sentiment":"positive","sentiment_score":0.3377067744731903}],"sentiment":"neutral","sentiment_score":0.06543760858476162,"num_words":10,"start":1385.5901,"end":1396.525},{"sentences":[{"text":"Okay.","start":1412.22,"end":1412.72,"sentiment":"neutral","sentiment_score":0.08555391430854797},{"text":"Yep.","start":1446.26,"end":1446.76,"sentiment":"neutral","sentiment_score":0.15525346994400024},{"text":"Not at Mhmm.","start":1453.005,"end":1495.28,"sentiment":"neutral","sentiment_score":0.07920822377006213},{"text":"Mhmm.","start":1508.515,"end":1509.015,"sentiment":"neutral","sentiment_score":0.0023236433044075966},{"text":"Yep.","start":1522.62,"end":1523.12,"sentiment":"neutral","sentiment_score":0.06024986505508423}],"sentiment":"neutral","sentiment_score":0.07728650913174663,"num_words":7,"start":1412.22,"end":1523.12},{"sentences":[{"text":"Mhmm.","start":1524.7,"end":1525.2,"sentiment":"neutral","sentiment_score":0.053373049944639206},{"text":"Mhmm.","start":1559.205,"end":1559.705,"sentiment":"neutral","sentiment_score":0.1063663884997368},{"text":"Yep.","start":1592.635,"end":1593.135,"sentiment":"neutral","sentiment_score":0.047422509640455246},{"text":"Yep.","start":1613.7201,"end":1614.2201,"sentiment":"neutral","sentiment_score":0.16974544525146484},{"text":"Yep.","start":1614.68,"end":1615.18,"sentiment":"positive","sentiment_score":0.374316930770874}],"sentiment":"neutral","sentiment_score":0.150244864821434,"num_words":5,"start":1524.7,"end":1615.18},{"sentences":[{"text":"Mhmm.","start":1626.135,"end":1626.635,"sentiment":"neutral","sentiment_score":0.10891544818878174},{"text":"No.","start":1633.48,"end":1633.88,"sentiment":"neutral","sentiment_score":0.022946370765566822},{"text":"Yeah.","start":1633.88,"end":1634.38,"sentiment":"neutral","sentiment_score":0.030408047139644623},{"text":"From retirement.","start":1635.56,"end":1636.14,"sentiment":"neutral","sentiment_score":0.04604285582900047},{"text":"So we don't have to, like, disclose the super account.","start":1638.12,"end":1641.8,"sentiment":"neutral","sentiment_score":0.07980699203908444}],"sentiment":"neutral","sentiment_score":0.07016169987618923,"num_words":15,"start":1626.135,"end":1641.8},{"sentences":[{"text":"We can take, like, weekly wage or monthly wage out of pool.","start":1641.8,"end":1646.3,"sentiment":"neutral","sentiment_score":0.08415489209194978},{"text":"Is that the way it goes?","start":1647.4551,"end":1649.395,"sentiment":"neutral","sentiment_score":0.0341943067808946},{"text":"Yeah.","start":1651.4551,"end":1651.775,"sentiment":"neutral","sentiment_score":0.026436084881424904},{"text":"No.","start":1651.775,"end":1652.275,"sentiment":"neutral","sentiment_score":-0.21828097105026245},{"text":"Like, taking money out of your super, we're we don't have to take it all in one lump sum.","start":1652.415,"end":1660.8501,"sentiment":"neutral","sentiment_score":-0.12702166014596036}],"sentiment":"neutral","sentiment_score":-0.03564697136290562,"num_words":39,"start":1641.8,"end":1660.8501},{"sentences":[{"text":"Once you retire, you can take it as a waste.","start":1661.4701,"end":1664.61,"sentiment":"negative","sentiment_score":-0.3872692704200745},{"text":"Yep.","start":1666.5901,"end":1667.0901,"sentiment":"neutral","sentiment_score":0.2523121237754822},{"text":"Yep.","start":1668.99,"end":1669.49,"sentiment":"neutral","sentiment_score":0.2300017327070236},{"text":"Yep.","start":1707.495,"end":1707.995,"sentiment":"positive","sentiment_score":0.42017537355422974},{"text":"Yes.","start":1721.83,"end":1722.33,"sentiment":"neutral","sentiment_score":0.18444329500198364}],"sentiment":"neutral","sentiment_score":-0.19898286994014466,"num_words":14,"start":1661.4701,"end":1722.33},{"sentences":[{"text":"Yep.","start":1730.805,"end":1731.125,"sentiment":"neutral","sentiment_score":0.10865728557109831},{"text":"That that makes sense.","start":1731.125,"end":1732.265,"sentiment":"neutral","sentiment_score":0.1413623709231615},{"text":"So the other other question that was just thrown around in my head was, well, my wife never had an iSuper account before, and now she's and and I've got a super.","start":1733.925,"end":1744.89,"sentiment":"neutral","sentiment_score":0.018097653810400516},{"text":"I don't know whether it's right or wrong, but someone's told me about not so much combining so it's all in mind, but putting them together type thing.","start":1747.3501,"end":1757.025,"sentiment":"neutral","sentiment_score":-0.0309053042105266},{"text":"I don't know how it works.","start":1758.0651,"end":1759.285,"sentiment":"neutral","sentiment_score":-0.04315884100894133}],"sentiment":"neutral","sentiment_score":0.0018159172851854647,"num_words":71,"start":1730.805,"end":1759.285},{"sentences":[{"text":"Is there something in that way?","start":1759.505,"end":1761.525,"sentiment":"neutral","sentiment_score":0.018787157411376636},{"text":"Yeah.","start":1773.85,"end":1774.35,"sentiment":"neutral","sentiment_score":0.0784677267074585},{"text":"No.","start":1782.345,"end":1782.745,"sentiment":"neutral","sentiment_score":0.006116259843111038},{"text":"That's right.","start":1782.745,"end":1783.485,"sentiment":"neutral","sentiment_score":0.11339778453111649},{"text":"Yeah.","start":1808.24,"end":1808.64,"sentiment":"neutral","sentiment_score":0.015976928174495697}],"sentiment":"neutral","sentiment_score":0.04000722075050527,"num_words":11,"start":1759.505,"end":1808.64},{"sentences":[{"text":"No.","start":1808.64,"end":1809.04,"sentiment":"neutral","sentiment_score":-0.07121320813894272},{"text":"That was just something that I someone's mentioned.","start":1809.04,"end":1811.7949,"sentiment":"neutral","sentiment_score":-0.10515631549060345},{"text":"I didn't know how it worked.","start":1811.7949,"end":1813.1749,"sentiment":"neutral","sentiment_score":-0.15317379931608835},{"text":"It's it I don't wanna be taking control over a super or anything like that.","start":1813.635,"end":1818.195,"sentiment":"neutral","sentiment_score":-0.15600097725788753},{"text":"So it's good.","start":1818.195,"end":1819.015,"sentiment":"neutral","sentiment_score":0.29156047602494556}],"sentiment":"neutral","sentiment_score":-0.09990423511375081,"num_words":33,"start":1808.64,"end":1819.015},{"sentences":[{"text":"Oh, okay.","start":1819.875,"end":1820.4349,"sentiment":"neutral","sentiment_score":0.3256113529205322},{"text":"Thank you very much.","start":1820.4349,"end":1821.575,"sentiment":"positive","sentiment_score":0.6348041594028473},{"text":"Well, it's.","start":1822.275,"end":1823.015,"sentiment":"positive","sentiment_score":0.3426859676837921},{"text":"Yeah.","start":1833.96,"end":1834.28,"sentiment":"neutral","sentiment_score":0.06656701117753983},{"text":"Yeah.","start":1834.28,"end":1834.6799,"sentiment":"neutral","sentiment_score":0.0527041032910347}],"sentiment":"positive","sentiment_score":0.39950823932886126,"num_words":10,"start":1819.875,"end":1834.6799},{"sentences":[{"text":"Yeah.","start":1834.6799,"end":1835.1799,"sentiment":"neutral","sentiment_score":0.025508230552077293},{"text":"Yeah.","start":1844.905,"end":1845.405,"sentiment":"neutral","sentiment_score":-0.07644888013601303},{"text":"Yeah.","start":1845.545,"end":1846.045,"sentiment":"neutral","sentiment_score":-0.07013247907161713},{"text":"It'd be tangled up with it.","start":1847.305,"end":1849.405,"sentiment":"neutral","sentiment_score":-0.14284158994754156},{"text":"Yeah.","start":1849.7051,"end":1850.025,"sentiment":"neutral","sentiment_score":-0.08147905021905899}],"sentiment":"neutral","sentiment_score":-0.10596017185598612,"num_words":10,"start":1834.6799,"end":1850.025},{"sentences":[{"text":"If something was happening, you broke up or something and then be all, yeah, mingled up and you gotta be a mess.","start":1850.025,"end":1856.88,"sentiment":"neutral","sentiment_score":-0.15643431584943424},{"text":"Yeah.","start":1857.58,"end":1858.08,"sentiment":"neutral","sentiment_score":-0.04209641367197037},{"text":"Yeah.","start":1858.5399,"end":1858.94,"sentiment":"neutral","sentiment_score":-0.03089295513927937},{"text":"Although we intended to do that, but I'd say I could understand why it's a little yeah.","start":1858.94,"end":1864.4,"sentiment":"neutral","sentiment_score":-0.0792021260542028},{"text":"Yeah.","start":1865.98,"end":1866.48,"sentiment":"neutral","sentiment_score":0.042497728019952774}],"sentiment":"neutral","sentiment_score":-0.11472577934286424,"num_words":42,"start":1850.025,"end":1866.48},{"sentences":[{"text":"Yeah.","start":1866.7,"end":1867.1799,"sentiment":"neutral","sentiment_score":0.05557892471551895},{"text":"Yeah.","start":1867.1799,"end":1867.6799,"sentiment":"neutral","sentiment_score":0.05707098916172981},{"text":"No.","start":1873.135,"end":1873.535,"sentiment":"neutral","sentiment_score":0.002067461609840393},{"text":"That's pretty good.","start":1873.535,"end":1874.175,"sentiment":"neutral","sentiment_score":0.14692883441845575},{"text":"Thanks.","start":1874.175,"end":1874.675,"sentiment":"neutral","sentiment_score":0.1912427842617035}],"sentiment":"neutral","sentiment_score":0.10667809471487999,"num_words":7,"start":1866.7,"end":1874.675},{"sentences":[{"text":"Yeah.","start":1875.615,"end":1876.0951,"sentiment":"neutral","sentiment_score":0.18879248201847076},{"text":"Yep.","start":1876.0951,"end":1876.5951,"sentiment":"neutral","sentiment_score":0.15907196700572968},{"text":"Yep.","start":1882.415,"end":1882.915,"sentiment":"neutral","sentiment_score":0.11078445613384248},{"text":"Yep.","start":1885.62,"end":1886.12,"sentiment":"neutral","sentiment_score":0.058322474360466},{"text":"Mhmm.","start":1891.62,"end":1892.12,"sentiment":"neutral","sentiment_score":0.011122348718345164}],"sentiment":"neutral","sentiment_score":0.10561874564737081,"num_words":5,"start":1875.615,"end":1892.12},{"sentences":[{"text":"Yeah.","start":1912.22,"end":1912.72,"sentiment":"neutral","sentiment_score":0.09554596990346909},{"text":"Yep.","start":1915.58,"end":1915.98,"sentiment":"positive","sentiment_score":0.35818764567375183},{"text":"That'd be good.","start":1915.98,"end":1916.54,"sentiment":"positive","sentiment_score":0.6680252949396769},{"text":"Thank you.","start":1916.54,"end":1917.28,"sentiment":"positive","sentiment_score":0.7284430265426636},{"text":"Okay.","start":1925.169,"end":1925.569,"sentiment":"positive","sentiment_score":0.411064088344574}],"sentiment":"positive","sentiment_score":0.5407199552282691,"num_words":8,"start":1912.22,"end":1925.569},{"sentences":[{"text":"Thank you.","start":1925.569,"end":1926.209,"sentiment":"positive","sentiment_score":0.6052216291427612},{"text":"Thank you.","start":1926.209,"end":1926.949,"sentiment":"positive","sentiment_score":0.555251270532608},{"text":"Okay.","start":1928.929,"end":1929.429,"sentiment":"neutral","sentiment_score":0.13545721769332886},{"text":"Bye bye.","start":1929.4889,"end":1930.1489,"sentiment":"neutral","sentiment_score":0.13388702273368835}],"sentiment":"positive","sentiment_score":0.38916815178734915,"num_words":7,"start":1925.569,"end":1930.1489}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. Is this Peter? This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Yes. Hey. Good. Thank you.\n\nChannel 0: That's good. I had you booked in this morning to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yep. Yeah. I'm driving, but that'll be fine. Yep.\n\nChannel 0: Okay. Yeah. As long as you're happy to still kind of talk while you're driving.\n\nChannel 1: Yep. Yeah. My mom's\n\nChannel 0: Yes.\n\nChannel 1: paying for it.\n\nChannel 0: Okay. Perfect. I'll tryna make it quick for you. But before I do go any further, Peter, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: That's Peter William Clark. First of the 06/09/1966. 9 Brisbane Street, Clayton.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. Now before I do kind of jump into things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions that you might have or whether it's just a bit of an update and see where everything's at?\n\nChannel 1: No. I'll just say where everything's at really. Well, I'm 60 now. Just gotta start looking towards retirement. But yeah.\n\nChannel 0: Yeah. And have you started thinking a bit more concrete, like, when you think you want to retire or start accessing some of your superannuation.\n\nChannel 1: Well, at at the moment, I've I've still got a fair bit to go on my house one. So that's if I was if that was paid for, the it ought to be totally different, but\n\nChannel 0: Okay.\n\nChannel 1: there's still\n\nChannel 0: So kind\n\nChannel 1: still\n\nChannel 0: of\n\nChannel 1: eleven still eleven years on it. But I'm paying more, so I don't know exactly when it'll end up being paid for.\n\nChannel 0: okay. So the main focus is to kind of clear out the debt on the mortgage. And when you don't have that, obviously, over you, then potentially look through transition to retirement?\n\nChannel 1: Yeah. Yeah. Pretty well.\n\nChannel 0: Yeah. Yeah. Okay. Perfect. And, obviously, like you said, it does depend on how long you have left on the loan.\n\nBut I do have here that, ideally, you wanna start drawing an income from super at 65. Do you still\n\nChannel 1: Well,\n\nChannel 0: think that you might\n\nChannel 1: that\n\nChannel 0: wanna transition a little bit?\n\nChannel 1: that would be good. But\n\nChannel 0: Yep.\n\nChannel 1: that's maybe a little bit unrealistic, but yeah.\n\nChannel 0: Yep. Okay.\n\nChannel 1: With\n\nChannel 0: Ideally.\n\nChannel 1: the line on me.\n\nChannel 0: But, yeah, no. That's all good. And if you when you do start drawing a bit of an income from super, even if it's, like, part time, I have here that, ideally, about a thousand dollars per week would give you what you need to cover living expenses and everything like that. Do you think\n\nChannel 1: Yeah.\n\nChannel 0: that's still achievable, or do you think you you will need to draw a bit more?\n\nChannel 1: No. I think that'd be better better swift. Raise me comfortable\n\nChannel 0: Yep.\n\nChannel 1: once the mortgage is good.\n\nChannel 0: Yep. Okay. Perfect. Now what I will do here quickly as well, Peter, is just to run through just a bit of an updated fact line just to see if there is anything major that has changed you for need to make any tweaks and changes to your advice. So just bear with me as I do go through this.\n\nNow when it comes to your personal information, I have you down here as married with no financial dependence. Is that correct?\n\nChannel 1: Yes.\n\nChannel 0: Yes.\n\nChannel 1: Well,\n\nChannel 0: And if\n\nChannel 1: realistically,\n\nChannel 0: yep.\n\nChannel 1: no. But yeah. You know, kids are like, they're always dependent.\n\nChannel 0: Yeah. They're but are they still at home or are they a bit older?\n\nChannel 1: No. No. Their\n\nChannel 0: No.\n\nChannel 1: the youngest is 24.\n\nChannel 0: Okay. Yeah. But sometimes gotta help a little bit, I get. I get that. Now next up, Kim.\n\nSo in the event that something would've happened to you and we, for some reason, cannot get in touch with you at all, I have Kathy nominated. Is that still the\n\nChannel 1: Yes.\n\nChannel 0: case?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Now I don't actually have a phone number at for her. Would do you know where that is at all?\n\nChannel 1: Yep. 0428,\n\nChannel 0: Yeah. That's 428. Yep.\n\nChannel 1: 559\n\nChannel 0: Four five nine. Yep.\n\nChannel 1: 4450.\n\nChannel 0: 450. Great. Perfect. Thank you so much for that. Employment wise, has any of that changed?\n\nAre you still doing, like, the labor and truck driving on the weekend?\n\nChannel 1: Yeah. Yeah. It's still the site.\n\nChannel 0: Still the same? Okay. And with your your laborer,\n\nChannel 1: Yep.\n\nChannel 0: do you do that full time as well?\n\nChannel 1: Yes.\n\nChannel 0: Yes. And what's your income roughly from that? Do you know?\n\nChannel 1: It's about 1,800 a fortnight.\n\nChannel 0: 1,800 per fortnight, and that is after tax?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep.\n\nChannel 1: That's\n\nChannel 0: And with the truck driving, how often or how many hours would you say that you do on that roughly?\n\nChannel 1: Well, that's that's hard to tell because I could get $500 on a weekend or I can get none. So\n\nChannel 0: Okay.\n\nChannel 1: just it's been hard to really\n\nChannel 0: But how\n\nChannel 1: if you\n\nChannel 0: Yeah.\n\nChannel 1: can average it out average it out maybe 300 a week.\n\nChannel 0: 300\n\nChannel 1: Weekends?\n\nChannel 0: awake?\n\nChannel 1: Yeah. On on a\n\nChannel 0: Yeah.\n\nChannel 1: weekend. Yes. When if\n\nChannel 0: Yeah.\n\nChannel 1: because I don't work every weekend. I don't work every every day on the weekend. So it just depends on if you if you put an average in to probably probably\n\nChannel 0: Yeah. About\n\nChannel 1: say\n\nChannel 0: the\n\nChannel 1: 300.\n\nChannel 0: three 100. Yep.\n\nChannel 1: That's only, I guess.\n\nChannel 0: Yeah. And it that would be in, like, a a casual basis, I imagine.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That that could be changing soon too because of long story, but our mill looks like slowing down, which wherever the work comes from.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Okay.\n\nChannel 1: anyway but at the moment, that's why it is it.\n\nChannel 0: Yeah. Okay. And both jobs, they pay you that standard 12 percent contribution into super. There's no, like, special enterprise bargain agreement or\n\nChannel 1: No. No.\n\nChannel 0: not just a standard. Okay. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: And are you making any additional contributions yourself or just that from your two employers?\n\nChannel 1: No. I haven't been there.\n\nChannel 0: Nope. That's all good. I do have here as well average expenses per week of about 1,300. Does that sound about right?\n\nChannel 1: Yeah. Probably a bit more.\n\nChannel 0: A bit more like 15, or what do you reckon?\n\nChannel 1: You could probably get a fixed line. Yeah.\n\nChannel 0: About 15. And are you saving anything on, like, a weekly, monthly, or fortnightly basis? Basis? No. No.\n\nThat's\n\nChannel 1: Tell me\n\nChannel 0: all\n\nChannel 1: if\n\nChannel 0: good.\n\nChannel 1: buying all the bills and everything because there's nothing left out of this.\n\nChannel 0: Yeah. Most people have the same, especially with all their living expenses and interest rates\n\nChannel 1: Yep.\n\nChannel 0: and everything at the moment. So not a lot of people are feeling the same. Asset wise, your property I have here last was died at about 400,000.\n\nChannel 1: Yeah. I'm not really sure if it's still the same or what.\n\nChannel 0: So roughly yeah. And mortgage was about 231 owing.\n\nChannel 1: Right. I just got a bed covered in mine there.\n\nChannel 0: Oh, beautiful. So you guys have made a pretty good progression on the loan, which is good. Do you also have the investment property as well?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yep. Yep. And\n\nChannel 1: Well,\n\nChannel 0: I have\n\nChannel 1: that's\n\nChannel 0: here\n\nChannel 1: that's\n\nChannel 0: that it yeah?\n\nChannel 1: sorry. No. You're right.\n\nChannel 0: No. I was gonna say I have here that it was died at about $1.50 with nothing owing on it.\n\nChannel 1: Yeah. Yeah. That'll be\n\nChannel 0: Yeah.\n\nChannel 1: about right there.\n\nChannel 0: Okay. Now I also have here contents of about 100,000.\n\nChannel 1: Contents. Yeah.\n\nChannel 0: Yep. And then a motor vehicle ride at about 60,000 with nothing owing.\n\nChannel 1: That's right. Yep.\n\nChannel 0: Yep. And then a trailer a camper trailer of about 40,000.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Well,\n\nChannel 0: And\n\nChannel 1: I'm not\n\nChannel 0: then\n\nChannel 1: sure\n\nChannel 0: a\n\nChannel 1: what\n\nChannel 0: u\n\nChannel 1: they value on it now. Yeah.\n\nChannel 0: roughly around that, you reckon?\n\nChannel 1: Yeah. Well, that's what we paid\n\nChannel 0: Yeah.\n\nChannel 1: for it, but that what it is now, I don't know. But it's probably\n\nChannel 0: Yep.\n\nChannel 1: 30,000\n\nChannel 0: No.\n\nChannel 1: now. But the\n\nChannel 0: Alright. I'll just change it to 30. Obviously, they they do depreciate a little bit in value. And they use as well worth 15?\n\nChannel 1: Yes. We'll leave it at\n\nChannel 0: Yep.\n\nChannel 1: that.\n\nChannel 0: Yep. Anything else that's changed us at Wise Peter in the last twelve months?\n\nChannel 1: No. Not really.\n\nChannel 0: None. Alright. Perfect. And when it comes to health and lifestyle, I have you down here as a non smoker and no significant health issues or injuries. Is that the case?\n\nChannel 1: Nope. Correct. Yeah.\n\nChannel 0: Yep. Beautiful. And do you have private health insurance?\n\nChannel 1: No.\n\nChannel 0: No. And when it comes to estate planning, do you know if you have a will or power of attorney in place?\n\nChannel 1: Not at the moment. No. We've\n\nChannel 0: No.\n\nChannel 1: just gone through that with family stuff, and we've gotta do that very soon.\n\nChannel 0: Okay. So kind of\n\nChannel 1: Yeah.\n\nChannel 0: on the to do list.\n\nChannel 1: Yeah. Yeah. Well, we've\n\nChannel 0: And\n\nChannel 1: we've gone through a a thing with a family member and never had a will, so we're\n\nChannel 0: okay.\n\nChannel 1: realizing how bad it can be. So we yeah. That's\n\nChannel 0: Yes.\n\nChannel 1: one. Yeah. Immediately.\n\nChannel 0: Yeah. Yeah. Oh, I'm sorry to hear that. And, yeah, it's one\n\nChannel 1: That's\n\nChannel 0: of those\n\nChannel 1: right.\n\nChannel 0: things that often people just kinda put it off to the side, and you don't tend to think about it until either something happens to you or\n\nChannel 1: Yeah.\n\nChannel 0: a loved one. And that's when you're like, oh, you can realize, obviously, the last thing you want is to leave\n\nChannel 1: Yeah.\n\nChannel 0: you know, you want everything as smooth as possible if something ever would've happened to you so your\n\nChannel 1: That's\n\nChannel 0: loved\n\nChannel 1: right.\n\nChannel 0: ones,\n\nChannel 1: Yep.\n\nChannel 0: you know, don't have to worry too much. So do you guys have someone local that can assist you with it, or do you need any suggestions\n\nChannel 1: Yeah.\n\nChannel 0: on someone?\n\nChannel 1: Well, we would just use it as a local solicitor, but I don't know\n\nChannel 0: Yep.\n\nChannel 1: who's the best for it.\n\nChannel 0: Because what I can do, if you would like, just as a bit of a comparison, is that I can send you an email with a firm that we work closely with, and it has\n\nChannel 1: Mhmm.\n\nChannel 0: all the pricing and everything like that as well. And then, obviously, you can even if you don't decide to do that, you can even use it as a bit of a price guide of when you are speaking to someone else to see roughly how much it might cost, if that would be helpful.\n\nChannel 1: Yeah. That'll be good. Thanks.\n\nChannel 0: Yeah. Yeah. Perfect. I will get the team to email that. And that also includes just, like, a basic will or if you wanna will a power of attorney or if you want to do it as a couple as well, they can do that as well.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Otherwise, though, when it comes to your superannuation, so superannuation does not form part of the estate. So I have here that if something were to happen to you, you would like your super to go to Kathy. Is that correct?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep.\n\nChannel 1: That's correct.\n\nChannel 0: Because she is your spouse as well, if something were to happen, it will go completely tax free to her, which is good.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Otherwise, you don't have anyone who makes any financial decisions in on your behalf?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: No. Don't be\n\nChannel 0: Perfect.\n\nChannel 1: don't be telling her things like that. She's sitting next to me.\n\nChannel 0: That's often the case. They're like, not not officially, but my wife or husband does, kind of. So that's all good. And, hey, Kathy. How are you?\n\nChannel 1: Good. Thank you.\n\nChannel 0: That's good. Now the next thing I do quickly wanna run through that with you, Peter, is just your risk profile just to see if we need to make any tweaks and changes to your risk tolerance or how your money is invested, if any of that has changed. So it is just a couple of multiple\n\nChannel 1: Yep.\n\nChannel 0: choice questions to make it nice and easy, and you just let me know whatever you feel is\n\nChannel 1: Yep.\n\nChannel 0: the most appropriate for you. Does that make sense? Yep. Now have you ever bought direct shares on the stock market yourself?\n\nChannel 1: No.\n\nChannel 0: Nope. And when it comes through how much risk you are willing to take for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?\n\nChannel 1: Probably high and moderate or somewhere around\n\nChannel 0: Between,\n\nChannel 1: there.\n\nChannel 0: yep, between high\n\nChannel 1: But\n\nChannel 0: to moderate.\n\nChannel 1: I don't wanna lose\n\nChannel 0: Yep.\n\nChannel 1: everything in one go.\n\nChannel 0: No. Especially with time as well, that's when that comes in handy that, you know, typically, market always goes up over the long term. The short term, there will be some ups and downs and market fluctuations depending on what is going on. And we also\n\nChannel 1: Mhmm.\n\nChannel 0: wanna make sure that you have enough time for those fluctuations to come back around before you do want to access it.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Now kind of talking about fluctuations, if you placed an investment and then let's say after six months, it fell by 20%, Would you, if you had the option to do so, think that, well, now is potentially a good time to put a little bit more in while the prices are down? Would you be just kind of a bit neutral, just kind of wait and see what happens, Or do you think you would want to sell out of that investment and move through something a little bit more secure, but that means you're also then kind of selling when the prices have dropped?\n\nChannel 1: That's a hard one because\n\nChannel 0: Yes.\n\nChannel 1: because if you just pull out, you're losing\n\nChannel 0: Yeah.\n\nChannel 1: all that money, and then\n\nChannel 0: Mhmm.\n\nChannel 1: just depends on all\n\nChannel 0: And it and it's more talking about, like, market trends. So not like, let's say, one investment that's just gone bad, just kind of like market trends. So kind of, obviously, going back to COVID, we saw quite a bit of fluctuations.\n\nChannel 1: Yeah.\n\nChannel 0: Last\n\nChannel 1: I'd probably\n\nChannel 0: twelve months\n\nChannel 1: yeah. I'd probably hang it out\n\nChannel 0: hang it up.\n\nChannel 1: in general.\n\nChannel 0: Okay. Perfect. Yep. Now if you had any investments or superannuation or anything else falling value, how would that make you feel? Would you say optimistic about potential future investments, a bit cautious, not making further investments, or would you say that you'll be a bit more concerned or anxious?\n\nChannel 1: Probably a bit top two, but a little bit cautious.\n\nChannel 0: A little bit cautious. Yep.\n\nChannel 1: Just they're all not they\n\nChannel 0: Yeah.\n\nChannel 1: don't depend on how close I am to retirement.\n\nChannel 0: Yes. Sorry.\n\nChannel 1: When you start you're not starting to lose time and building it\n\nChannel 0: Exactly.\n\nChannel 1: back to where it should be.\n\nChannel 0: Exactly. Which also plays yeah. It plays a big a part role. So when we do assess, obviously, risk profile, it's it's time is one of the big things that we consider, but also how you feel about certain situations. Because I have some clients at 70 that goes, not put me in high risk.\n\nI'm happy. I understand it. Often, you see the older you get, the more defensive you become because, like you touched on, you don't have as much time. So then at the same time,\n\nChannel 1: Yep.\n\nChannel 0: I have some 20 year olds that go, oh, no. I don't wanna see any fluctuations, and they're super defensive. So time does play a big role, but then also how you would feel in a situation kind of plays in\n\nChannel 1: Yeah.\n\nChannel 0: as well, if that makes sense.\n\nChannel 1: Yeah. Well, as I said, I was getting to the stage now. I'm looking towards retirement, and then I'll\n\nChannel 0: Yeah.\n\nChannel 1: be a little bit yeah.\n\nChannel 0: Gradually.\n\nChannel 1: But\n\nChannel 0: And that's\n\nChannel 1: but I'm not at the stage where I can't say well, I'm just gonna have to hang off a bit longer.\n\nChannel 0: Yeah. So what we can do is sorry. I have one more question first, and then I'll go into the risk profile for you. So the last one here is just in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: Not really.\n\nChannel 0: No. And\n\nChannel 1: I\n\nChannel 0: with\n\nChannel 1: don't think\n\nChannel 0: the investment\n\nChannel 1: so. No.\n\nChannel 0: no. And with the investment property that you have, did you ever take out a loan for it, or did you buy it outright?\n\nChannel 1: Originally, we took out a loan, but it's it's all combined in the in the one loan that now, so so\n\nChannel 0: Yep.\n\nChannel 1: we pay\n\nChannel 0: Okay.\n\nChannel 1: the one debt.\n\nChannel 0: Yeah. Okay. Perfect. Now, Peter, that tells me here that you have come out as a balanced growth investor. And at the moment, we have you in a growth portfolio.\n\nDo you know the difference between those two at all?\n\nChannel 1: No. Not really. Not.\n\nChannel 0: No. So in a growth portfolio, which is how you are currently invested, it is typically for investors who are looking at getting as much growth as you possibly can out of your superannuation while you still\n\nChannel 1: Mhmm.\n\nChannel 0: have plenty of time. Also,\n\nChannel 1: Yep.\n\nChannel 0: someone who is you know, understand that there will be some higher level of fluctuations in order to achieve that growth. Now when it comes to how the money is actually then invested, we see about 80 invested in what we call your growth assets. Now\n\nChannel 1: Yep.\n\nChannel 0: this is a combination of Australian shares, international shares, and property as well, And that is what's going to maximize the growth for you. And\n\nChannel 1: Mhmm.\n\nChannel 0: then we have about 20% in defensive. So that would be a combination of fixed interest, cash, and gold to try not limit fluctuations a little bit. Now\n\nChannel 1: Mhmm.\n\nChannel 0: the difference then between a balanced growth is kind of on the scale that is one step down, so slightly more defensive. Now a balanced growth is typically for investors who are looking at getting some growth still out of your superannuation while you are working and you are contributing through this superannuation from your employer, but you want\n\nChannel 1: Yep.\n\nChannel 0: a slightly more conservative element to your portfolio in order to kinda limit fluctuations a little bit because you don't have as much time. Now\n\nChannel 1: Mhmm.\n\nChannel 0: when it then comes to the money being invested, it's about a 10% difference from the growth one. So you will have about 70% in growth. So still focusing on growing it, but then you have about 30 in defensive to limit fluctuations a little bit. Does that make sense?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yeah. Now factoring in time as well, a balanced growth portfolio, we typically want to see about five years until retirement, making sure you have enough time for the market fluctuation. Whereas in a growth portfolio, we want at least six ideally. So\n\nChannel 1: Mhmm.\n\nChannel 0: from that, do you feel like there's one that you align with a little bit more?\n\nChannel 1: Well, probably the balance, but yeah.\n\nChannel 0: Yeah. The balance growth.\n\nChannel 1: Yeah. But I I I I reckon I might later another year is the way it is.\n\nChannel 0: Yeah. Because what I can do for you, Peter, especially as you are getting closer, and I think what you were telling me, a balance growth is quite suitable. But, obviously, before you make up your mind, what I would like to do is because every time we do make a change, there there can be some capital gains tax, which we wanna minimize, but then also you wanna look at, you know, total fees and also the performance between the two portfolio and how that's going to change things for you. So what\n\nChannel 1: Mhmm.\n\nChannel 0: I can do is that I'm more than happy to do do some research between your current growth portfolio and a potential balance growth portfolio, especially\n\nChannel 1: Yep.\n\nChannel 0: because it's been a little bit of time as well with your investments. And, obviously, a lot has happened in the market in the last twelve months, and it is good to do a bit of a bit of an assessment and see if there's anyone that has underperformed, if we wanna change anything. So I'm more than happy to put together a proposal for you, run that through with you, and then you can see what it would look like if we do move to a balance growth to reduce risk a little bit. That way you have all the information. And then following that, you can decide if you would like to go ahead with the change or if you prefer to leave it as is.\n\nBut then at least you have a little bit more information. Would that\n\nChannel 1: Yep.\n\nChannel 0: be helpful?\n\nChannel 1: Yes.\n\nChannel 0: Yeah? Okay. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now it will take me about a week to put that together for you. Do you know what your schedule is like next week at all?\n\nChannel 1: Mhmm. I'm pretty free, actually. It's some\n\nChannel 0: Yeah?\n\nChannel 1: I'm on\n\nChannel 0: Okay.\n\nChannel 1: holidays. So\n\nChannel 0: Ah, lovely.\n\nChannel 1: yeah.\n\nChannel 0: Now\n\nChannel 1: What\n\nChannel 0: let\n\nChannel 1: sort\n\nChannel 0: me\n\nChannel 1: of\n\nChannel 0: have\n\nChannel 1: holidays?\n\nChannel 0: a look. Now let me have do you normally prefer mornings or afternoons or around kind of lunchtime?\n\nChannel 1: Probably midmorning at the\n\nChannel 0: Midmorning?\n\nChannel 1: same time.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: So at the moment, I have availability. So on Wednesday, the twenty second, I\n\nChannel 1: Mhmm.\n\nChannel 0: could do either at 12PM or I could do 09:30. Otherwise, Thursday the twenty third, I could do 11AM\n\nChannel 1: Yep.\n\nChannel 0: again.\n\nChannel 1: Oh, we're about to add 09:30.\n\nChannel 0: 09:30? Alright. Perfect. Well, I will yeah? 09:30\n\nChannel 1: Yep.\n\nChannel 0: on Wednesday?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Okay. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: I will book that in for you, Peter. If anything does change, if you change any of your plans and you can't make it, just let me know, and I will we can see if we can get that rescheduled for you.\n\nChannel 1: Okay.\n\nChannel 0: Now the last thing I do wanna let you know as well is that I have sent you an email with some documents. Now, obviously, as you're driving, please don't get it up. It wouldn't be safe to do so. So later when you are not driving and when you have a bit of time, just have a look through them and let me know if you have any questions. But, basically, what I have sent you is a summary of your superannuation.\n\nSo it does show you your current superannuation with hub twenty four and\n\nChannel 1: Yep.\n\nChannel 0: that your current balance is about 258,556.\n\nChannel 1: Not\n\nChannel 0: Now\n\nChannel 1: at\n\nChannel 0: it also shows you a performance report. So it shows you kind of how your investments have performed in the last twelve months. And now I'm sure you've obviously heard on on the news the bit of fluctuations we have had in the last twelve months. So, obviously, first with US and then Trump and tariffs and everything saw a bit of movement. And, obviously, more recently with the war as well, we have seen a bit of movement.\n\nNow in saying that, though, and this is all after fees. So after all fees have been deducted from your account, your portfolio has still, you know, gone up in the last twelve months, which is good given what has happened. The last twelve months,\n\nChannel 1: Mhmm.\n\nChannel 0: it's about 5.35%. Now that also attributes to the fact that you are in a growth portfolio, so you can see more fluctuations when there are more volatility in the market. So\n\nChannel 1: Mhmm.\n\nChannel 0: like I said, I will do a bit more in-depth on the difference between your your growth and your balance growth and also deep diving into some of those investments to see if there's potentially some we wanna change out for\n\nChannel 1: Yep.\n\nChannel 0: some other ones for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Now what you will also see is an OQ services guide. Now you probably would have seen this a couple of times before. It is one of those compliance documents, but it does give you all the important information in regards to us here at OQ. So when you have a moment, just have a read through it. None of the important information has changed, but we've had a bit of an extension to the team, which is nice, and also a bit of an update marketing.\n\nIf you do wanna have a read over it, you will actually see myself on page 10 if you do wanna put a face to the voice as well.\n\nChannel 1: Mhmm.\n\nChannel 0: And then the last two documents, it will ask you to add a signature if you are happy to do so. Now one is a tax fund number form. It basically just says that we are keeping your tax fund number secure and safe on-site. The other one is your ongoing service agreement. So this is the one to say that you are happy to stay on as a client.\n\nNow, Peter, there is no changes whatsoever in regards to the fee structure. So it hasn't increased\n\nChannel 1: Yep.\n\nChannel 0: or anything like that. It stays exactly the same at 1.65 from superannuation, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing this, otherwise, it allows us to manage all your investments and everything for you in the meantime. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And it's not like a one off fee that comes out of your account once a year either. It is just deducted month monthly to give you that flexibility as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now do you have questions in regards to anything I have gone through today?\n\nChannel 1: No. Yeah. From retirement. So we don't have to, like, disclose the super account. We can take, like, weekly wage or monthly wage out of pool.\n\nIs\n\nChannel 0: For\n\nChannel 1: that the way\n\nChannel 0: age\n\nChannel 1: it goes?\n\nChannel 0: pension, do you mean?\n\nChannel 1: Yeah. No. Like, taking money out of your super, we're we don't have to\n\nChannel 0: Mhmm.\n\nChannel 1: take it all in one lump sum.\n\nChannel 0: No.\n\nChannel 1: Once you\n\nChannel 0: Sorry.\n\nChannel 1: retire, you can\n\nChannel 0: No.\n\nChannel 1: take it as a waste.\n\nChannel 0: Correct. Sorry. The choice\n\nChannel 1: Yep.\n\nChannel 0: is completely up to you. Now if you decided\n\nChannel 1: Yep.\n\nChannel 0: that you wanna retire today as you have turned 60, you could realistically take everything completely tax free. If you are still working, there are restrictions between 60 and 65. In that, you can take up to 10% tax free. After 65, there is no restrictions on how much you can take out if you are still working. But like I said, if you decide tomorrow to stop working, you can take everything.\n\nYou can decide how you want to take it. You can take it all as a lump sum, or what most people do is to just draw an income. Because by drawing\n\nChannel 1: Yep.\n\nChannel 0: an income, it gives you more, obviously, flexibility, but it also ensures that the rest of the money that you haven't taken out, instead of it being, like, in a in a cash account, it will continue to be invested and continue to grow. You can obviously\n\nChannel 1: Yes.\n\nChannel 0: adjust how much you want to take out depending on your life situation and what is going on.\n\nChannel 1: Yep. That\n\nChannel 0: Yeah.\n\nChannel 1: that makes\n\nChannel 0: This\n\nChannel 1: sense.\n\nChannel 0: yeah.\n\nChannel 1: So the other other question that was just\n\nChannel 0: Mhmm.\n\nChannel 1: thrown around in my head was, well, my wife never had an iSuper account before, and now she's and and I've got a super.\n\nChannel 0: Mhmm.\n\nChannel 1: I don't know whether it's right or wrong, but someone's told me about not so much combining so it's all in mind, but putting them together type thing.\n\nChannel 0: Mhmm.\n\nChannel 1: I don't know how it works. Is there\n\nChannel 0: Yeah.\n\nChannel 1: something in that way?\n\nChannel 0: Yes and no. Not typically because it is designed to provide for each of your retirement. Now if you wanted\n\nChannel 1: Yeah.\n\nChannel 0: 1com combined super fund, the only way to do that is through a self managed super fund, because then you can have\n\nChannel 1: No.\n\nChannel 0: two trustees.\n\nChannel 1: That's right.\n\nChannel 0: So yeah. There is ways where you can move money. So let's say you could like, if Kathy decides, obviously, she would have to keep her own super fund, but she could transfer money to you and vice versa through different spousal contributions. But there's obviously a lot to kind of factor in whether that would be the best for the two of you.\n\nChannel 1: Yeah. No. That was just something that I someone's mentioned. I didn't know how it worked. It's\n\nChannel 0: Yeah.\n\nChannel 1: it I don't wanna be taking control over a super or anything like that. So it's good.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Oh, okay. Thank you very much. Well, it's.\n\nChannel 0: Well, at least it's good, though, because you will get some money, obviously, by working. Your employer will pay a little bit, which obviously will will help as well, which which is good.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: But, yeah, it is a good question because a lot of people do ask. But, yeah, unfortunately, because it's designed to obviously provide for your individual retirement.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. At least\n\nChannel 1: It'd\n\nChannel 0: at the\n\nChannel 1: be\n\nChannel 0: moment,\n\nChannel 1: tangled\n\nChannel 0: that's\n\nChannel 1: up\n\nChannel 0: that's\n\nChannel 1: with\n\nChannel 0: the rule.\n\nChannel 1: it. Yeah. If something was happening, you broke up or something and then be all, yeah, mingled up and\n\nChannel 0: A bit\n\nChannel 1: you\n\nChannel 0: messy\n\nChannel 1: gotta be\n\nChannel 0: sometimes.\n\nChannel 1: a mess. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Although we intended to do that, but I'd say I could understand why it's a little yeah.\n\nChannel 0: Yeah. Exactly.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Now\n\nChannel 1: Yeah.\n\nChannel 0: do you guys have any other questions for me before I let you go and enjoy the rest of your morning, otherwise?\n\nChannel 1: No. That's pretty good. Thanks.\n\nChannel 0: No? Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now like I said, Peter, I do have you booked in next Wednesday, the twenty second at 09:30AM\n\nChannel 1: Yep.\n\nChannel 0: to go through that research with you. In the\n\nChannel 1: Yep.\n\nChannel 0: meantime, if you could have a look through that email I sent through, have a look through spam as well in case it\n\nChannel 1: Mhmm.\n\nChannel 0: does end up there. If you have any questions in regards to the document, just send me an email or give me a call. Otherwise, if you are happy to do so, it will just ask for your signature. It automatically comes back to us so we can get that all loaded and sorted for you. And I will also get the team to email you that lawyer information so that you have it\n\nChannel 1: Yeah.\n\nChannel 0: on hand if that would be helpful.\n\nChannel 1: Yep. That'd be good. Thank you.\n\nChannel 0: Yep. Alright. Beautiful. Well, thank you so much for your time this morning, the two of you, and I look forward to speaking with you, Peter, next Wednesday.\n\nChannel 1: Okay. Thank you. Thank you.\n\nChannel 0: No worries. We'll speak soon.\n\nChannel 1: Okay. Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.035522326827049255}],"sentiment":"neutral","sentiment_score":0.035522326827049255,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Good morning.","start":2.0,"end":2.56,"sentiment":"neutral","sentiment_score":0.3080631196498871},{"text":"Is this Peter?","start":2.56,"end":3.46,"sentiment":"neutral","sentiment_score":0.16858589152495065},{"text":"This is Veronica from Oakview Financial.","start":5.6,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.11646243308981259},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"neutral","sentiment_score":0.1259167194366455}],"sentiment":"neutral","sentiment_score":0.15702919076595986,"channel":0,"num_words":14,"start":2.0,"end":8.82},{"sentences":[{"text":"Yes.","start":9.36,"end":9.5199995,"sentiment":"neutral","sentiment_score":0.16776058077812195},{"text":"Hey.","start":9.5199995,"end":9.76,"sentiment":"neutral","sentiment_score":0.3165842294692993},{"text":"Good.","start":9.76,"end":10.0,"sentiment":"positive","sentiment_score":0.5884336233139038},{"text":"Thank you.","start":10.0,"end":10.74,"sentiment":"positive","sentiment_score":0.7293398678302765}],"sentiment":"positive","sentiment_score":0.5062916338443756,"channel":1,"num_words":5,"start":9.36,"end":10.74},{"sentences":[{"text":"That's good.","start":11.36,"end":12.259999,"sentiment":"positive","sentiment_score":0.7322652041912079},{"text":"I had you booked in this morning to go over your annual review.","start":13.035,"end":16.075,"sentiment":"positive","sentiment_score":0.46883147725692165},{"text":"Is now still a good time for you?","start":16.075,"end":17.855,"sentiment":"positive","sentiment_score":0.38565122336149216}],"sentiment":"positive","sentiment_score":0.4628064956354058,"channel":0,"num_words":23,"start":11.36,"end":17.855},{"sentences":[{"text":"Yep.","start":18.605,"end":19.005001,"sentiment":"neutral","sentiment_score":0.09069718420505524},{"text":"Yeah.","start":19.005001,"end":19.244999,"sentiment":"neutral","sentiment_score":0.08185548335313797},{"text":"I'm driving, but that'll be fine.","start":19.244999,"end":21.005001,"sentiment":"neutral","sentiment_score":0.06648822252949078},{"text":"Yep.","start":21.005001,"end":21.505001,"sentiment":"neutral","sentiment_score":0.07659578323364258}],"sentiment":"neutral","sentiment_score":0.07200864288542005,"channel":1,"num_words":9,"start":18.605,"end":21.505001},{"sentences":[{"text":"Okay.","start":21.515,"end":21.915,"sentiment":"neutral","sentiment_score":0.10648293793201448},{"text":"Yeah.","start":21.915,"end":22.154999,"sentiment":"neutral","sentiment_score":0.13073712587356567},{"text":"As long as you're happy to still kind of talk while you're driving.","start":22.154999,"end":25.055,"sentiment":"neutral","sentiment_score":0.21104867469805938}],"sentiment":"neutral","sentiment_score":0.1987235223253568,"channel":0,"num_words":15,"start":21.515,"end":25.055},{"sentences":[{"text":"Yep.","start":25.965,"end":26.205,"sentiment":"neutral","sentiment_score":0.09583568572998048},{"text":"Yeah.","start":26.205,"end":26.365,"sentiment":"neutral","sentiment_score":0.0916241705417633},{"text":"My mom's","start":26.365,"end":26.845001,"sentiment":"neutral","sentiment_score":0.0753825232386589}],"sentiment":"neutral","sentiment_score":0.0845562256872654,"channel":1,"num_words":4,"start":25.965,"end":26.845001},{"sentences":[{"text":"Yes.","start":26.76,"end":27.26,"sentiment":"neutral","sentiment_score":0.10252363979816435}],"sentiment":"neutral","sentiment_score":0.10252363979816435,"channel":0,"num_words":1,"start":26.76,"end":27.26},{"sentences":[{"text":"paying for it.","start":26.845001,"end":27.744999,"sentiment":"neutral","sentiment_score":0.13817254702250162}],"sentiment":"neutral","sentiment_score":0.13817254702250162,"channel":1,"num_words":3,"start":26.845001,"end":27.744999},{"sentences":[{"text":"Okay.","start":28.36,"end":28.86,"sentiment":"neutral","sentiment_score":0.2730892598628998},{"text":"Perfect.","start":28.92,"end":29.42,"sentiment":"positive","sentiment_score":0.54286128282547},{"text":"I'll tryna make it quick for you.","start":29.64,"end":32.04,"sentiment":"positive","sentiment_score":0.4036907638822283},{"text":"But before I do go any further, Peter, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":32.04,"end":39.735,"sentiment":"neutral","sentiment_score":0.038499346423533656}],"sentiment":"neutral","sentiment_score":0.12088164072483779,"channel":0,"num_words":40,"start":28.36,"end":39.735},{"sentences":[{"text":"Yep.","start":40.39,"end":40.89,"sentiment":"neutral","sentiment_score":0.04636946320533752}],"sentiment":"neutral","sentiment_score":0.04636946320533752,"channel":1,"num_words":1,"start":40.39,"end":40.89},{"sentences":[{"text":"Yep.","start":41.495,"end":41.975002,"sentiment":"neutral","sentiment_score":0.04097151756286621},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?","start":41.975002,"end":52.395,"sentiment":"neutral","sentiment_score":0.037935588508844376}],"sentiment":"neutral","sentiment_score":0.03803046129178256,"channel":0,"num_words":32,"start":41.495,"end":52.395},{"sentences":[{"text":"That's Peter William Clark.","start":53.255,"end":54.875,"sentiment":"neutral","sentiment_score":0.010405306005850434},{"text":"First of the 06/09/1966.","start":54.935,"end":56.955,"sentiment":"neutral","sentiment_score":0.014020064380019903},{"text":"9 Brisbane Street, Clayton.","start":57.38,"end":59.0,"sentiment":"neutral","sentiment_score":0.017997206188738346}],"sentiment":"neutral","sentiment_score":0.014140858858202895,"channel":1,"num_words":12,"start":53.255,"end":59.0},{"sentences":[{"text":"Yep.","start":59.649998,"end":60.149998,"sentiment":"neutral","sentiment_score":0.1702321469783783},{"text":"Perfect.","start":60.21,"end":60.69,"sentiment":"positive","sentiment_score":0.5504260063171387},{"text":"That's exactly what I have here.","start":60.69,"end":62.469997,"sentiment":"positive","sentiment_score":0.5373383065064748},{"text":"Now before I do kind of jump into things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions that you might have or whether it's just a bit of an update and see where everything's at?","start":63.649998,"end":77.564995,"sentiment":"neutral","sentiment_score":0.061859584827389985}],"sentiment":"neutral","sentiment_score":0.1175017027905391,"channel":0,"num_words":62,"start":59.649998,"end":77.564995},{"sentences":[{"text":"No.","start":78.534996,"end":78.775,"sentiment":"neutral","sentiment_score":-0.12186086922883987},{"text":"I'll just say where everything's at really.","start":78.775,"end":80.555,"sentiment":"neutral","sentiment_score":-0.11926431741033282},{"text":"Well, I'm 60 now.","start":82.07,"end":83.189995,"sentiment":"neutral","sentiment_score":-0.04714267607778311},{"text":"Just gotta start looking towards retirement.","start":83.189995,"end":86.09,"sentiment":"neutral","sentiment_score":-0.0478028766810894},{"text":"But yeah.","start":86.149994,"end":87.38,"sentiment":"neutral","sentiment_score":-0.024521304294466972}],"sentiment":"neutral","sentiment_score":-0.07405708320438861,"channel":1,"num_words":20,"start":78.534996,"end":87.38},{"sentences":[{"text":"Yeah.","start":87.399994,"end":87.899994,"sentiment":"neutral","sentiment_score":0.0012003500014543531},{"text":"And have you started thinking a bit more concrete, like, when you think you want to retire or start accessing some of your superannuation.","start":88.03999,"end":96.655,"sentiment":"neutral","sentiment_score":-0.0015280037963141997}],"sentiment":"neutral","sentiment_score":-0.0014188696444034576,"channel":0,"num_words":25,"start":87.399994,"end":96.655},{"sentences":[{"text":"Well, at at the moment, I've I've still got a fair bit to go on my house one.","start":98.354996,"end":103.634995,"sentiment":"neutral","sentiment_score":-0.08419936005440024},{"text":"So that's if I was if that was paid for, the it ought to be totally different, but","start":103.634995,"end":109.814995,"sentiment":"neutral","sentiment_score":-0.06341799307200643}],"sentiment":"neutral","sentiment_score":-0.07380867656320333,"channel":1,"num_words":36,"start":98.354996,"end":109.814995},{"sentences":[{"text":"Okay.","start":110.19,"end":110.69,"sentiment":"neutral","sentiment_score":-0.05217093229293823}],"sentiment":"neutral","sentiment_score":-0.05217093229293823,"channel":0,"num_words":1,"start":110.19,"end":110.69},{"sentences":[{"text":"there's still","start":110.515,"end":111.255,"sentiment":"neutral","sentiment_score":-0.06235211901366711}],"sentiment":"neutral","sentiment_score":-0.06235211901366711,"channel":1,"num_words":2,"start":110.515,"end":111.255},{"sentences":[{"text":"So kind","start":110.91,"end":111.39,"sentiment":"neutral","sentiment_score":-0.08059708960354328}],"sentiment":"neutral","sentiment_score":-0.08059708960354328,"channel":0,"num_words":2,"start":110.91,"end":111.39},{"sentences":[{"text":"still","start":111.314995,"end":111.555,"sentiment":"neutral","sentiment_score":-0.13560517132282257}],"sentiment":"neutral","sentiment_score":-0.13560517132282257,"channel":1,"num_words":1,"start":111.314995,"end":111.555},{"sentences":[{"text":"of","start":111.39,"end":111.63,"sentiment":"neutral","sentiment_score":-0.1278192102909088}],"sentiment":"neutral","sentiment_score":-0.1278192102909088,"channel":0,"num_words":1,"start":111.39,"end":111.63},{"sentences":[{"text":"eleven still eleven years on it.","start":111.555,"end":113.93,"sentiment":"neutral","sentiment_score":-0.12259117141366005},{"text":"But I'm paying more, so I don't know exactly when it'll end up being paid for.","start":113.93,"end":117.71001,"sentiment":"neutral","sentiment_score":-0.17874788166955113}],"sentiment":"neutral","sentiment_score":-0.16343241523612628,"channel":1,"num_words":22,"start":111.555,"end":117.71001},{"sentences":[{"text":"okay.","start":118.11,"end":118.61,"sentiment":"neutral","sentiment_score":-0.0283981766551733},{"text":"So the main focus is to kind of clear out the debt on the mortgage.","start":118.67,"end":122.325,"sentiment":"neutral","sentiment_score":-0.04723268672823906},{"text":"And when you don't have that, obviously, over you, then potentially look through transition to retirement?","start":122.325,"end":128.185,"sentiment":"neutral","sentiment_score":0.0013940945209469646}],"sentiment":"neutral","sentiment_score":-0.022330717663862742,"channel":0,"num_words":32,"start":118.11,"end":128.185},{"sentences":[{"text":"Yeah.","start":129.125,"end":129.44499,"sentiment":"neutral","sentiment_score":0.07722321897745132},{"text":"Yeah.","start":129.44499,"end":129.765,"sentiment":"neutral","sentiment_score":0.2058542966842651},{"text":"Pretty well.","start":129.765,"end":130.50499,"sentiment":"positive","sentiment_score":0.36854712665081024}],"sentiment":"neutral","sentiment_score":0.25504294224083424,"channel":1,"num_words":4,"start":129.125,"end":130.50499},{"sentences":[{"text":"Yeah.","start":130.165,"end":130.665,"sentiment":"neutral","sentiment_score":0.22138363122940063},{"text":"Yeah.","start":130.965,"end":131.285,"sentiment":"neutral","sentiment_score":0.22769376635551453},{"text":"Okay.","start":131.285,"end":131.685,"sentiment":"neutral","sentiment_score":0.33086174726486206},{"text":"Perfect.","start":131.685,"end":132.185,"sentiment":"positive","sentiment_score":0.6055408716201782},{"text":"And, obviously, like you said, it does depend on how long you have left on the loan.","start":132.405,"end":138.39,"sentiment":"neutral","sentiment_score":0.21365994609454098}],"sentiment":"neutral","sentiment_score":0.2389380523846263,"channel":0,"num_words":21,"start":130.165,"end":138.39},{"sentences":[{"text":"But I do have here that, ideally, you wanna start drawing an income from super at 65.","start":139.09,"end":144.95,"sentiment":"neutral","sentiment_score":0.17749236392624237},{"text":"Do you still","start":145.48999,"end":146.20999,"sentiment":"neutral","sentiment_score":0.07262894759575526}],"sentiment":"neutral","sentiment_score":0.1617628514766693,"channel":0,"num_words":20,"start":139.09,"end":146.20999},{"sentences":[{"text":"Well,","start":146.05,"end":146.55,"sentiment":"neutral","sentiment_score":0.0531487874686718}],"sentiment":"neutral","sentiment_score":0.0531487874686718,"channel":1,"num_words":1,"start":146.05,"end":146.55},{"sentences":[{"text":"think that you might","start":146.20999,"end":147.51,"sentiment":"neutral","sentiment_score":0.0721962470561266}],"sentiment":"neutral","sentiment_score":0.0721962470561266,"channel":0,"num_words":4,"start":146.20999,"end":147.51},{"sentences":[{"text":"that","start":147.73,"end":148.23,"sentiment":"neutral","sentiment_score":0.09737645834684372}],"sentiment":"neutral","sentiment_score":0.09737645834684372,"channel":1,"num_words":1,"start":147.73,"end":148.23},{"sentences":[{"text":"wanna transition a little bit?","start":147.975,"end":149.675,"sentiment":"neutral","sentiment_score":0.09196125790476799}],"sentiment":"neutral","sentiment_score":0.09196125790476799,"channel":0,"num_words":5,"start":147.975,"end":149.675},{"sentences":[{"text":"that would be good.","start":150.69,"end":151.75,"sentiment":"neutral","sentiment_score":0.2419482320547104},{"text":"But","start":151.81,"end":152.31,"sentiment":"neutral","sentiment_score":0.021684229373931885}],"sentiment":"neutral","sentiment_score":0.19789543151855468,"channel":1,"num_words":5,"start":150.69,"end":152.31},{"sentences":[{"text":"Yep.","start":152.295,"end":152.795,"sentiment":"neutral","sentiment_score":0.023478876799345016}],"sentiment":"neutral","sentiment_score":0.023478876799345016,"channel":0,"num_words":1,"start":152.295,"end":152.795},{"sentences":[{"text":"that's maybe a little bit unrealistic, but yeah.","start":152.61,"end":158.045,"sentiment":"neutral","sentiment_score":-0.15621598809957504}],"sentiment":"neutral","sentiment_score":-0.15621598809957504,"channel":1,"num_words":8,"start":152.61,"end":158.045},{"sentences":[{"text":"Yep.","start":158.535,"end":159.015,"sentiment":"neutral","sentiment_score":0.05822436138987541},{"text":"Okay.","start":159.015,"end":159.515,"sentiment":"neutral","sentiment_score":0.1440209150314331}],"sentiment":"neutral","sentiment_score":0.10112263821065426,"channel":0,"num_words":2,"start":158.535,"end":159.515},{"sentences":[{"text":"With","start":159.465,"end":159.705,"sentiment":"neutral","sentiment_score":0.15908437967300415}],"sentiment":"neutral","sentiment_score":0.15908437967300415,"channel":1,"num_words":1,"start":159.465,"end":159.705},{"sentences":[{"text":"Ideally.","start":159.575,"end":160.075,"sentiment":"neutral","sentiment_score":0.1806500405073166}],"sentiment":"neutral","sentiment_score":0.1806500405073166,"channel":0,"num_words":1,"start":159.575,"end":160.075},{"sentences":[{"text":"the line on me.","start":159.705,"end":160.765,"sentiment":"neutral","sentiment_score":0.11425790749490261}],"sentiment":"neutral","sentiment_score":0.11425790749490261,"channel":1,"num_words":4,"start":159.705,"end":160.765},{"sentences":[{"text":"But, yeah, no.","start":160.295,"end":162.33,"sentiment":"neutral","sentiment_score":0.03220280508200327},{"text":"That's all good.","start":162.33,"end":163.39,"sentiment":"neutral","sentiment_score":0.2696665972471237},{"text":"And if you when you do start drawing a bit of an income from super, even if it's, like, part time, I have here that, ideally, about a thousand dollars per week would give you what you need to cover living expenses and everything like that.","start":163.61,"end":179.925,"sentiment":"neutral","sentiment_score":0.19808501701640047},{"text":"Do you think","start":180.22499,"end":180.705,"sentiment":"neutral","sentiment_score":0.042248896012703575}],"sentiment":"neutral","sentiment_score":0.18444119414145296,"channel":0,"num_words":55,"start":160.295,"end":180.705},{"sentences":[{"text":"Yeah.","start":180.68001,"end":181.18001,"sentiment":"neutral","sentiment_score":0.11182449012994766}],"sentiment":"neutral","sentiment_score":0.11182449012994766,"channel":1,"num_words":1,"start":180.68001,"end":181.18001},{"sentences":[{"text":"that's still achievable, or do you think you you will need to draw a bit more?","start":180.705,"end":184.485,"sentiment":"neutral","sentiment_score":0.05517215421423316}],"sentiment":"neutral","sentiment_score":0.05517215421423316,"channel":0,"num_words":16,"start":180.705,"end":184.485},{"sentences":[{"text":"No.","start":185.035,"end":185.355,"sentiment":"neutral","sentiment_score":-0.13359463214874268},{"text":"I think that'd be better better swift.","start":185.355,"end":188.155,"sentiment":"neutral","sentiment_score":-0.13263016300542013},{"text":"Raise me comfortable","start":188.155,"end":188.955,"sentiment":"neutral","sentiment_score":0.03422180935740471}],"sentiment":"neutral","sentiment_score":-0.08721275864676996,"channel":1,"num_words":11,"start":185.035,"end":188.955},{"sentences":[{"text":"Yep.","start":188.78499,"end":189.12,"sentiment":"neutral","sentiment_score":0.15386581420898438}],"sentiment":"neutral","sentiment_score":0.15386581420898438,"channel":0,"num_words":1,"start":188.78499,"end":189.12},{"sentences":[{"text":"once the mortgage is good.","start":188.955,"end":190.495,"sentiment":"neutral","sentiment_score":0.1993922084569931}],"sentiment":"neutral","sentiment_score":0.1993922084569931,"channel":1,"num_words":5,"start":188.955,"end":190.495},{"sentences":[{"text":"Yep.","start":190.95999,"end":191.44,"sentiment":"neutral","sentiment_score":0.13454926013946533},{"text":"Okay.","start":191.44,"end":191.84,"sentiment":"neutral","sentiment_score":0.2730478048324585},{"text":"Perfect.","start":191.84,"end":192.34,"sentiment":"positive","sentiment_score":0.3936776518821716},{"text":"Now what I will do here quickly as well, Peter, is just to run through just a bit of an updated fact line just to see if there is anything major that has changed you for need to make any tweaks and changes to your advice.","start":193.12,"end":205.355,"sentiment":"neutral","sentiment_score":0.10504652446378833},{"text":"So just bear with me as I do go through this.","start":206.135,"end":209.115,"sentiment":"neutral","sentiment_score":0.09281937913461165}],"sentiment":"neutral","sentiment_score":0.11090713354448477,"channel":0,"num_words":60,"start":190.95999,"end":209.115},{"sentences":[{"text":"Now when it comes to your personal information, I have you down here as married with no financial dependence.","start":210.135,"end":217.515,"sentiment":"neutral","sentiment_score":0.0681434064907463},{"text":"Is that correct?","start":217.575,"end":218.475,"sentiment":"neutral","sentiment_score":0.07777232180039088}],"sentiment":"neutral","sentiment_score":0.06945644039660692,"channel":0,"num_words":22,"start":210.135,"end":218.475},{"sentences":[{"text":"Yes.","start":220.095,"end":220.595,"sentiment":"neutral","sentiment_score":0.05167822539806366}],"sentiment":"neutral","sentiment_score":0.05167822539806366,"channel":1,"num_words":1,"start":220.095,"end":220.595},{"sentences":[{"text":"Yes.","start":221.18999,"end":221.68999,"sentiment":"neutral","sentiment_score":0.04618819057941437}],"sentiment":"neutral","sentiment_score":0.04618819057941437,"channel":0,"num_words":1,"start":221.18999,"end":221.68999},{"sentences":[{"text":"Well,","start":221.695,"end":222.195,"sentiment":"neutral","sentiment_score":0.02237120270729065}],"sentiment":"neutral","sentiment_score":0.02237120270729065,"channel":1,"num_words":1,"start":221.695,"end":222.195},{"sentences":[{"text":"And if","start":221.90999,"end":222.73,"sentiment":"neutral","sentiment_score":0.022514033131301403}],"sentiment":"neutral","sentiment_score":0.022514033131301403,"channel":0,"num_words":2,"start":221.90999,"end":222.73},{"sentences":[{"text":"realistically,","start":223.48999,"end":223.98999,"sentiment":"neutral","sentiment_score":0.010856036096811296}],"sentiment":"neutral","sentiment_score":0.010856036096811296,"channel":1,"num_words":1,"start":223.48999,"end":223.98999},{"sentences":[{"text":"yep.","start":223.82999,"end":224.32999,"sentiment":"neutral","sentiment_score":-0.0033910006750375032}],"sentiment":"neutral","sentiment_score":-0.0033910006750375032,"channel":0,"num_words":1,"start":223.82999,"end":224.32999},{"sentences":[{"text":"no.","start":224.68999,"end":225.01,"sentiment":"neutral","sentiment_score":-0.05495842173695564},{"text":"But yeah.","start":225.01,"end":225.82999,"sentiment":"neutral","sentiment_score":-0.0385691998526454},{"text":"You know, kids are like, they're always dependent.","start":226.76999,"end":229.10999,"sentiment":"neutral","sentiment_score":-0.023629096569493413}],"sentiment":"neutral","sentiment_score":-0.02919359945438125,"channel":1,"num_words":11,"start":224.68999,"end":229.10999},{"sentences":[{"text":"Yeah.","start":229.10999,"end":229.60999,"sentiment":"neutral","sentiment_score":-0.000931018963456154},{"text":"They're but are they still at home or are they a bit older?","start":230.79,"end":234.45499,"sentiment":"neutral","sentiment_score":-0.012593308714433359}],"sentiment":"neutral","sentiment_score":-0.011760288017934986,"channel":0,"num_words":14,"start":229.10999,"end":234.45499},{"sentences":[{"text":"No.","start":233.96999,"end":234.46999,"sentiment":"neutral","sentiment_score":-0.06651818752288818},{"text":"No.","start":234.93,"end":235.25,"sentiment":"neutral","sentiment_score":-0.06008502095937729},{"text":"Their","start":235.25,"end":235.65,"sentiment":"neutral","sentiment_score":-0.04798928275704384}],"sentiment":"neutral","sentiment_score":-0.05819749707976977,"channel":1,"num_words":3,"start":233.96999,"end":235.65},{"sentences":[{"text":"No.","start":235.39499,"end":235.89499,"sentiment":"neutral","sentiment_score":-0.06476117670536041}],"sentiment":"neutral","sentiment_score":-0.06476117670536041,"channel":0,"num_words":1,"start":235.39499,"end":235.89499},{"sentences":[{"text":"the youngest is 24.","start":235.89,"end":237.34999,"sentiment":"neutral","sentiment_score":-0.05621517822146416}],"sentiment":"neutral","sentiment_score":-0.05621517822146416,"channel":1,"num_words":4,"start":235.89,"end":237.34999},{"sentences":[{"text":"Okay.","start":237.795,"end":238.275,"sentiment":"neutral","sentiment_score":0.004552433267235756},{"text":"Yeah.","start":238.275,"end":238.75499,"sentiment":"neutral","sentiment_score":0.013095233589410782},{"text":"But sometimes gotta help a little bit, I get.","start":238.75499,"end":241.655,"sentiment":"neutral","sentiment_score":-0.006004549976852205},{"text":"I get that.","start":241.875,"end":242.855,"sentiment":"neutral","sentiment_score":0.007685893525679906},{"text":"Now next up, Kim.","start":244.75499,"end":246.81999,"sentiment":"neutral","sentiment_score":-0.001960336696356535}],"sentiment":"neutral","sentiment_score":-0.0011764971746338739,"channel":0,"num_words":18,"start":237.795,"end":246.81999},{"sentences":[{"text":"So in the event that something would've happened to you and we, for some reason, cannot get in touch with you at all, I have Kathy nominated.","start":246.81999,"end":253.72,"sentiment":"neutral","sentiment_score":-0.015650933297971886},{"text":"Is that still the","start":254.01999,"end":254.81999,"sentiment":"neutral","sentiment_score":0.06574818771332502}],"sentiment":"neutral","sentiment_score":-0.005147820909417445,"channel":0,"num_words":31,"start":246.81999,"end":254.81999},{"sentences":[{"text":"Yes.","start":254.8,"end":255.3,"sentiment":"neutral","sentiment_score":0.06949023902416229}],"sentiment":"neutral","sentiment_score":0.06949023902416229,"channel":1,"num_words":1,"start":254.8,"end":255.3},{"sentences":[{"text":"case?","start":254.81999,"end":255.31999,"sentiment":"neutral","sentiment_score":0.04899568855762482}],"sentiment":"neutral","sentiment_score":0.04899568855762482,"channel":0,"num_words":1,"start":254.81999,"end":255.31999},{"sentences":[{"text":"Yes.","start":255.84,"end":256.34,"sentiment":"neutral","sentiment_score":0.11301203072071075}],"sentiment":"neutral","sentiment_score":0.11301203072071075,"channel":1,"num_words":1,"start":255.84,"end":256.34},{"sentences":[{"text":"Perfect.","start":256.5,"end":257.0,"sentiment":"neutral","sentiment_score":0.04708227515220642},{"text":"Now I don't actually have a phone number at for her.","start":257.3,"end":261.13998,"sentiment":"neutral","sentiment_score":-0.06719779257069934},{"text":"Would do you know where that is at all?","start":261.13998,"end":263.895,"sentiment":"neutral","sentiment_score":-0.04159447012676133}],"sentiment":"neutral","sentiment_score":-0.05078303210792087,"channel":0,"num_words":21,"start":256.5,"end":263.895},{"sentences":[{"text":"Yep.","start":264.575,"end":264.975,"sentiment":"neutral","sentiment_score":0.0007591665489599109},{"text":"0428,","start":264.975,"end":266.195,"sentiment":"neutral","sentiment_score":-0.00022179253573995084}],"sentiment":"neutral","sentiment_score":0.00026868700660998,"channel":1,"num_words":2,"start":264.575,"end":266.195},{"sentences":[{"text":"Yeah.","start":266.275,"end":266.51498,"sentiment":"neutral","sentiment_score":0.002303138142451644},{"text":"That's 428.","start":266.51498,"end":267.63498,"sentiment":"neutral","sentiment_score":-0.0000962409540079534},{"text":"Yep.","start":267.63498,"end":268.13498,"sentiment":"neutral","sentiment_score":0.003231895854696631}],"sentiment":"neutral","sentiment_score":0.0013356380222830921,"channel":0,"num_words":4,"start":266.275,"end":268.13498},{"sentences":[{"text":"559","start":269.055,"end":270.195,"sentiment":"neutral","sentiment_score":0.0016841152682900429}],"sentiment":"neutral","sentiment_score":0.0016841152682900429,"channel":1,"num_words":1,"start":269.055,"end":270.195},{"sentences":[{"text":"Four five nine.","start":270.755,"end":271.875,"sentiment":"neutral","sentiment_score":0.001237667165696621},{"text":"Yep.","start":271.875,"end":272.375,"sentiment":"neutral","sentiment_score":0.00604643439874053}],"sentiment":"neutral","sentiment_score":0.002439858973957598,"channel":0,"num_words":4,"start":270.755,"end":272.375},{"sentences":[{"text":"4450.","start":272.495,"end":274.115,"sentiment":"neutral","sentiment_score":0.005265707150101662}],"sentiment":"neutral","sentiment_score":0.005265707150101662,"channel":1,"num_words":1,"start":272.495,"end":274.115},{"sentences":[{"text":"450.","start":274.61002,"end":275.73,"sentiment":"neutral","sentiment_score":0.023707609623670575},{"text":"Great.","start":275.73,"end":276.05002,"sentiment":"positive","sentiment_score":0.5466837286949158},{"text":"Perfect.","start":276.05002,"end":276.45,"sentiment":"positive","sentiment_score":0.6863018274307251},{"text":"Thank you so much for that.","start":276.45,"end":278.07,"sentiment":"positive","sentiment_score":0.7013095915317535},{"text":"Employment wise, has any of that changed?","start":279.41,"end":282.95,"sentiment":"neutral","sentiment_score":0.12484027445316315}],"sentiment":"positive","sentiment_score":0.3961520397569984,"channel":0,"num_words":16,"start":274.61002,"end":282.95},{"sentences":[{"text":"Are you still doing, like, the labor and truck driving on the weekend?","start":283.01,"end":286.23,"sentiment":"neutral","sentiment_score":0.04565974038380843}],"sentiment":"neutral","sentiment_score":0.04565974038380843,"channel":0,"num_words":13,"start":283.01,"end":286.23},{"sentences":[{"text":"Yeah.","start":287.03998,"end":287.44,"sentiment":"neutral","sentiment_score":0.028938712552189827},{"text":"Yeah.","start":287.44,"end":287.52,"sentiment":"neutral","sentiment_score":0.027585653588175777},{"text":"It's still the site.","start":287.52,"end":288.66,"sentiment":"neutral","sentiment_score":0.02388765523210168}],"sentiment":"neutral","sentiment_score":0.02534583117812872,"channel":1,"num_words":6,"start":287.03998,"end":288.66},{"sentences":[{"text":"Still the same?","start":288.92502,"end":289.64502,"sentiment":"neutral","sentiment_score":0.030113229528069496},{"text":"Okay.","start":289.64502,"end":290.14502,"sentiment":"neutral","sentiment_score":0.03940725326538086},{"text":"And with your your laborer,","start":290.445,"end":292.545,"sentiment":"neutral","sentiment_score":0.027474959939718248}],"sentiment":"neutral","sentiment_score":0.0296801935053534,"channel":0,"num_words":9,"start":288.92502,"end":292.545},{"sentences":[{"text":"Yep.","start":292.195,"end":292.695,"sentiment":"neutral","sentiment_score":0.03920270502567291}],"sentiment":"neutral","sentiment_score":0.03920270502567291,"channel":1,"num_words":1,"start":292.195,"end":292.695},{"sentences":[{"text":"do you do that full time as well?","start":292.92502,"end":294.945,"sentiment":"neutral","sentiment_score":0.0296335406601429}],"sentiment":"neutral","sentiment_score":0.0296335406601429,"channel":0,"num_words":8,"start":292.92502,"end":294.945},{"sentences":[{"text":"Yes.","start":295.55502,"end":296.05502,"sentiment":"neutral","sentiment_score":0.03983104228973389}],"sentiment":"neutral","sentiment_score":0.03983104228973389,"channel":1,"num_words":1,"start":295.55502,"end":296.05502},{"sentences":[{"text":"Yes.","start":296.845,"end":297.345,"sentiment":"neutral","sentiment_score":0.03095380961894989},{"text":"And what's your income roughly from that?","start":297.565,"end":301.02,"sentiment":"neutral","sentiment_score":0.01693901858691658},{"text":"Do you know?","start":301.02,"end":301.76,"sentiment":"neutral","sentiment_score":0.011170146986842155}],"sentiment":"neutral","sentiment_score":0.016639761880717495,"channel":0,"num_words":11,"start":296.845,"end":301.76},{"sentences":[{"text":"It's about 1,800 a fortnight.","start":302.995,"end":304.77502,"sentiment":"neutral","sentiment_score":0.0095774388872087}],"sentiment":"neutral","sentiment_score":0.0095774388872087,"channel":1,"num_words":5,"start":302.995,"end":304.77502},{"sentences":[{"text":"1,800 per fortnight, and that is after tax?","start":305.9,"end":308.56,"sentiment":"neutral","sentiment_score":0.004862828616751358}],"sentiment":"neutral","sentiment_score":0.004862828616751358,"channel":0,"num_words":8,"start":305.9,"end":308.56},{"sentences":[{"text":"Yeah.","start":309.31,"end":309.79,"sentiment":"neutral","sentiment_score":0.01937975361943245},{"text":"Yep.","start":309.79,"end":310.29,"sentiment":"neutral","sentiment_score":0.02035607397556305}],"sentiment":"neutral","sentiment_score":0.01986791379749775,"channel":1,"num_words":2,"start":309.31,"end":310.29},{"sentences":[{"text":"Yep.","start":310.3,"end":310.635,"sentiment":"neutral","sentiment_score":0.0220194011926651}],"sentiment":"neutral","sentiment_score":0.0220194011926651,"channel":0,"num_words":1,"start":310.3,"end":310.635},{"sentences":[{"text":"That's","start":311.38998,"end":311.88998,"sentiment":"neutral","sentiment_score":0.016132919117808342}],"sentiment":"neutral","sentiment_score":0.016132919117808342,"channel":1,"num_words":1,"start":311.38998,"end":311.88998},{"sentences":[{"text":"And with the truck driving, how often or how many hours would you say that you do on that roughly?","start":311.435,"end":319.695,"sentiment":"neutral","sentiment_score":0.0007745193084701896}],"sentiment":"neutral","sentiment_score":0.0007745193084701896,"channel":0,"num_words":20,"start":311.435,"end":319.695},{"sentences":[{"text":"Well, that's that's hard to tell because I could get $500 on a weekend or I can get none.","start":319.465,"end":327.465,"sentiment":"neutral","sentiment_score":-0.13084319018219648},{"text":"So","start":327.465,"end":327.965,"sentiment":"neutral","sentiment_score":-0.05169019103050232}],"sentiment":"neutral","sentiment_score":-0.12688554022461176,"channel":1,"num_words":20,"start":319.465,"end":327.965},{"sentences":[{"text":"Okay.","start":328.65,"end":329.15,"sentiment":"neutral","sentiment_score":-0.04317568242549896}],"sentiment":"neutral","sentiment_score":-0.04317568242549896,"channel":0,"num_words":1,"start":328.65,"end":329.15},{"sentences":[{"text":"just it's been hard to really","start":329.705,"end":332.265,"sentiment":"neutral","sentiment_score":-0.06895145525534947}],"sentiment":"neutral","sentiment_score":-0.06895145525534947,"channel":1,"num_words":6,"start":329.705,"end":332.265},{"sentences":[{"text":"But how","start":332.65,"end":333.37,"sentiment":"neutral","sentiment_score":-0.053066378459334373}],"sentiment":"neutral","sentiment_score":-0.053066378459334373,"channel":0,"num_words":2,"start":332.65,"end":333.37},{"sentences":[{"text":"if you","start":333.74002,"end":333.90002,"sentiment":"neutral","sentiment_score":-0.04531784914433956}],"sentiment":"neutral","sentiment_score":-0.04531784914433956,"channel":1,"num_words":2,"start":333.74002,"end":333.90002},{"sentences":[{"text":"Yeah.","start":333.85,"end":334.35,"sentiment":"neutral","sentiment_score":-0.02281462401151657}],"sentiment":"neutral","sentiment_score":-0.02281462401151657,"channel":0,"num_words":1,"start":333.85,"end":334.35},{"sentences":[{"text":"can average it out average it out maybe 300 a week.","start":333.90002,"end":339.36002,"sentiment":"neutral","sentiment_score":-0.03177368861030449}],"sentiment":"neutral","sentiment_score":-0.03177368861030449,"channel":1,"num_words":11,"start":333.90002,"end":339.36002},{"sentences":[{"text":"300","start":340.205,"end":340.845,"sentiment":"neutral","sentiment_score":-0.015347077511250973}],"sentiment":"neutral","sentiment_score":-0.015347077511250973,"channel":0,"num_words":1,"start":340.205,"end":340.845},{"sentences":[{"text":"Weekends?","start":340.54,"end":341.04,"sentiment":"neutral","sentiment_score":-0.020670566707849503}],"sentiment":"neutral","sentiment_score":-0.020670566707849503,"channel":1,"num_words":1,"start":340.54,"end":341.04},{"sentences":[{"text":"awake?","start":340.845,"end":341.345,"sentiment":"neutral","sentiment_score":-0.021720897406339645}],"sentiment":"neutral","sentiment_score":-0.021720897406339645,"channel":0,"num_words":1,"start":340.845,"end":341.345},{"sentences":[{"text":"Yeah.","start":341.98,"end":342.48,"sentiment":"neutral","sentiment_score":-0.014945533126592636},{"text":"On on a","start":342.62003,"end":343.02002,"sentiment":"neutral","sentiment_score":-0.01626053142050902}],"sentiment":"neutral","sentiment_score":-0.015931781847029924,"channel":1,"num_words":4,"start":341.98,"end":343.02002},{"sentences":[{"text":"Yeah.","start":343.005,"end":343.505,"sentiment":"neutral","sentiment_score":-0.014829040504992008}],"sentiment":"neutral","sentiment_score":-0.014829040504992008,"channel":0,"num_words":1,"start":343.005,"end":343.505},{"sentences":[{"text":"weekend.","start":343.02002,"end":343.5,"sentiment":"neutral","sentiment_score":-0.016579780727624893},{"text":"Yes.","start":343.5,"end":344.0,"sentiment":"neutral","sentiment_score":-0.007991405203938484},{"text":"When if","start":344.06,"end":344.86002,"sentiment":"neutral","sentiment_score":-0.013601285871118307}],"sentiment":"neutral","sentiment_score":-0.012943439418449998,"channel":1,"num_words":4,"start":343.02002,"end":344.86002},{"sentences":[{"text":"Yeah.","start":344.605,"end":345.105,"sentiment":"neutral","sentiment_score":-0.026541560888290405}],"sentiment":"neutral","sentiment_score":-0.026541560888290405,"channel":0,"num_words":1,"start":344.605,"end":345.105},{"sentences":[{"text":"because I don't work every weekend.","start":345.02002,"end":346.54,"sentiment":"neutral","sentiment_score":-0.08562725658218066},{"text":"I don't work every every day on the weekend.","start":346.54,"end":348.38,"sentiment":"neutral","sentiment_score":-0.09173528436157438},{"text":"So it just depends on if you if you put an average in to probably probably","start":348.38,"end":352.875,"sentiment":"neutral","sentiment_score":-0.04434034531004727}],"sentiment":"neutral","sentiment_score":-0.06609118140993579,"channel":1,"num_words":31,"start":345.02002,"end":352.875},{"sentences":[{"text":"Yeah.","start":352.53998,"end":352.78,"sentiment":"neutral","sentiment_score":-0.02563850954174995},{"text":"About","start":352.78,"end":353.02,"sentiment":"neutral","sentiment_score":-0.030236078426241875}],"sentiment":"neutral","sentiment_score":-0.027937293983995914,"channel":0,"num_words":2,"start":352.53998,"end":353.02},{"sentences":[{"text":"say","start":352.875,"end":353.11502,"sentiment":"neutral","sentiment_score":-0.02655748650431633}],"sentiment":"neutral","sentiment_score":-0.02655748650431633,"channel":1,"num_words":1,"start":352.875,"end":353.11502},{"sentences":[{"text":"the","start":353.02,"end":353.18,"sentiment":"neutral","sentiment_score":-0.025796812027692795}],"sentiment":"neutral","sentiment_score":-0.025796812027692795,"channel":0,"num_words":1,"start":353.02,"end":353.18},{"sentences":[{"text":"300.","start":353.11502,"end":353.695,"sentiment":"neutral","sentiment_score":-0.01852124929428101}],"sentiment":"neutral","sentiment_score":-0.01852124929428101,"channel":1,"num_words":1,"start":353.11502,"end":353.695},{"sentences":[{"text":"three 100.","start":353.18,"end":353.91998,"sentiment":"neutral","sentiment_score":-0.013181877322494984},{"text":"Yep.","start":354.13998,"end":354.63998,"sentiment":"neutral","sentiment_score":-0.014935022220015526}],"sentiment":"neutral","sentiment_score":-0.013766258955001831,"channel":0,"num_words":3,"start":353.18,"end":354.63998},{"sentences":[{"text":"That's only, I guess.","start":354.155,"end":355.21503,"sentiment":"neutral","sentiment_score":-0.05859634652733803}],"sentiment":"neutral","sentiment_score":-0.05859634652733803,"channel":1,"num_words":4,"start":354.155,"end":355.21503},{"sentences":[{"text":"Yeah.","start":355.97998,"end":356.3,"sentiment":"neutral","sentiment_score":-0.04824978858232498},{"text":"And it that would be in, like, a a casual basis, I imagine.","start":356.3,"end":359.59998,"sentiment":"neutral","sentiment_score":-0.05204825619092354}],"sentiment":"neutral","sentiment_score":-0.05177693707602365,"channel":0,"num_words":14,"start":355.97998,"end":359.59998},{"sentences":[{"text":"Yeah.","start":360.795,"end":361.11502,"sentiment":"neutral","sentiment_score":-0.017488855868577957},{"text":"Yeah.","start":361.11502,"end":361.61502,"sentiment":"neutral","sentiment_score":-0.013095262460410597}],"sentiment":"neutral","sentiment_score":-0.015292059164494276,"channel":1,"num_words":2,"start":360.795,"end":361.61502},{"sentences":[{"text":"Yep.","start":361.66498,"end":362.16498,"sentiment":"neutral","sentiment_score":-0.01535089872777462}],"sentiment":"neutral","sentiment_score":-0.01535089872777462,"channel":0,"num_words":1,"start":361.66498,"end":362.16498},{"sentences":[{"text":"That that could be changing soon too because of long story, but our mill looks like slowing down, which wherever the work comes from.","start":362.50998,"end":372.19,"sentiment":"neutral","sentiment_score":-0.08399806854625542}],"sentiment":"neutral","sentiment_score":-0.08399806854625542,"channel":1,"num_words":24,"start":362.50998,"end":372.19},{"sentences":[{"text":"Okay.","start":371.905,"end":372.405,"sentiment":"neutral","sentiment_score":-0.02307785488665104}],"sentiment":"neutral","sentiment_score":-0.02307785488665104,"channel":0,"num_words":1,"start":371.905,"end":372.405},{"sentences":[{"text":"So","start":372.19,"end":372.69,"sentiment":"neutral","sentiment_score":-0.023378577083349228}],"sentiment":"neutral","sentiment_score":-0.023378577083349228,"channel":1,"num_words":1,"start":372.19,"end":372.69},{"sentences":[{"text":"Okay.","start":373.5,"end":374.0,"sentiment":"neutral","sentiment_score":-0.02458035945892334}],"sentiment":"neutral","sentiment_score":-0.02458035945892334,"channel":0,"num_words":1,"start":373.5,"end":374.0},{"sentences":[{"text":"anyway but at the moment, that's why it is it.","start":373.71,"end":375.945,"sentiment":"neutral","sentiment_score":-0.043787043541669846}],"sentiment":"neutral","sentiment_score":-0.043787043541669846,"channel":1,"num_words":10,"start":373.71,"end":375.945},{"sentences":[{"text":"Yeah.","start":376.62,"end":377.02002,"sentiment":"neutral","sentiment_score":0.0032494300976395607},{"text":"Okay.","start":377.02002,"end":377.52002,"sentiment":"neutral","sentiment_score":0.004413296468555927},{"text":"And both jobs, they pay you that standard 12 percent contribution into super.","start":378.06,"end":385.42,"sentiment":"neutral","sentiment_score":0.008479559006026158},{"text":"There's no, like, special enterprise bargain agreement or","start":385.42,"end":388.515,"sentiment":"neutral","sentiment_score":-0.05877638701349497}],"sentiment":"neutral","sentiment_score":-0.015318004454931488,"channel":0,"num_words":23,"start":376.62,"end":388.515},{"sentences":[{"text":"No.","start":389.14502,"end":389.545,"sentiment":"neutral","sentiment_score":-0.08381091058254242},{"text":"No.","start":389.545,"end":390.045,"sentiment":"neutral","sentiment_score":-0.08827203512191772}],"sentiment":"neutral","sentiment_score":-0.08604147285223007,"channel":1,"num_words":2,"start":389.14502,"end":390.045},{"sentences":[{"text":"not just a standard.","start":389.95502,"end":391.17502,"sentiment":"neutral","sentiment_score":-0.09401118382811546},{"text":"Okay.","start":391.55502,"end":391.95502,"sentiment":"neutral","sentiment_score":0.07766687870025635},{"text":"Beautiful.","start":391.95502,"end":392.45502,"sentiment":"neutral","sentiment_score":0.21635565161705017}],"sentiment":"neutral","sentiment_score":-0.013670367499192556,"channel":0,"num_words":6,"start":389.95502,"end":392.45502},{"sentences":[{"text":"Yep.","start":392.19,"end":392.69,"sentiment":"neutral","sentiment_score":0.08699394762516022}],"sentiment":"neutral","sentiment_score":0.08699394762516022,"channel":1,"num_words":1,"start":392.19,"end":392.69},{"sentences":[{"text":"And are you making any additional contributions yourself or just that from your two employers?","start":393.95502,"end":398.695,"sentiment":"neutral","sentiment_score":0.02720285430550575}],"sentiment":"neutral","sentiment_score":0.02720285430550575,"channel":0,"num_words":15,"start":393.95502,"end":398.695},{"sentences":[{"text":"No.","start":399.87,"end":400.11,"sentiment":"neutral","sentiment_score":-0.19275423884391785},{"text":"I haven't been there.","start":400.11,"end":401.41,"sentiment":"neutral","sentiment_score":-0.15653913468122482}],"sentiment":"neutral","sentiment_score":-0.16378215551376343,"channel":1,"num_words":5,"start":399.87,"end":401.41},{"sentences":[{"text":"Nope.","start":401.73,"end":402.05,"sentiment":"neutral","sentiment_score":-0.07167356461286545},{"text":"That's all good.","start":402.05,"end":403.19,"sentiment":"neutral","sentiment_score":0.10298731178045273},{"text":"I do have here as well average expenses per week of about 1,300.","start":403.65,"end":408.95,"sentiment":"neutral","sentiment_score":0.1041977176299462},{"text":"Does that sound about right?","start":409.01,"end":410.79,"sentiment":"neutral","sentiment_score":0.08039656355977058}],"sentiment":"neutral","sentiment_score":0.09062915989621119,"channel":0,"num_words":22,"start":401.73,"end":410.79},{"sentences":[{"text":"Yeah.","start":413.835,"end":414.335,"sentiment":"neutral","sentiment_score":0.03692968934774399},{"text":"Probably a bit more.","start":415.595,"end":416.735,"sentiment":"neutral","sentiment_score":0.020874581765383482}],"sentiment":"neutral","sentiment_score":0.024085603281855585,"channel":1,"num_words":5,"start":413.835,"end":416.735},{"sentences":[{"text":"A bit more like 15, or what do you reckon?","start":416.86502,"end":419.845,"sentiment":"neutral","sentiment_score":0.016549210250377654}],"sentiment":"neutral","sentiment_score":0.016549210250377654,"channel":0,"num_words":10,"start":416.86502,"end":419.845},{"sentences":[{"text":"You could probably get a fixed line.","start":420.36,"end":421.63998,"sentiment":"neutral","sentiment_score":0.0755196852343423},{"text":"Yeah.","start":421.63998,"end":422.13998,"sentiment":"neutral","sentiment_score":0.07184760272502899}],"sentiment":"neutral","sentiment_score":0.07506067492067814,"channel":1,"num_words":8,"start":420.36,"end":422.13998},{"sentences":[{"text":"About 15.","start":422.225,"end":423.045,"sentiment":"neutral","sentiment_score":0.06363027729094028},{"text":"And are you saving anything on, like, a weekly, monthly, or fortnightly basis?","start":423.665,"end":428.52,"sentiment":"neutral","sentiment_score":0.0713874247784798},{"text":"Basis?","start":430.28,"end":430.68,"sentiment":"neutral","sentiment_score":0.02695028856396675},{"text":"No.","start":430.68,"end":431.18,"sentiment":"neutral","sentiment_score":-0.0677536129951477},{"text":"No.","start":432.44,"end":432.59998,"sentiment":"neutral","sentiment_score":-0.07725966721773148}],"sentiment":"neutral","sentiment_score":0.05206856028073364,"channel":0,"num_words":18,"start":422.225,"end":432.59998},{"sentences":[{"text":"That's","start":432.59998,"end":433.09998,"sentiment":"neutral","sentiment_score":-0.01625966653227806}],"sentiment":"neutral","sentiment_score":-0.01625966653227806,"channel":0,"num_words":1,"start":432.59998,"end":433.09998},{"sentences":[{"text":"Tell me","start":432.995,"end":433.315,"sentiment":"neutral","sentiment_score":0.0052971504628658295}],"sentiment":"neutral","sentiment_score":0.0052971504628658295,"channel":1,"num_words":2,"start":432.995,"end":433.315},{"sentences":[{"text":"all","start":433.16,"end":433.31998,"sentiment":"neutral","sentiment_score":0.070578932762146}],"sentiment":"neutral","sentiment_score":0.070578932762146,"channel":0,"num_words":1,"start":433.16,"end":433.31998},{"sentences":[{"text":"if","start":433.315,"end":433.595,"sentiment":"neutral","sentiment_score":0.14606142044067383}],"sentiment":"neutral","sentiment_score":0.14606142044067383,"channel":1,"num_words":1,"start":433.315,"end":433.595},{"sentences":[{"text":"good.","start":433.31998,"end":433.81998,"sentiment":"neutral","sentiment_score":0.07073719799518585}],"sentiment":"neutral","sentiment_score":0.07073719799518585,"channel":0,"num_words":1,"start":433.31998,"end":433.81998},{"sentences":[{"text":"buying all the bills and everything because there's nothing left out of this.","start":433.595,"end":436.295,"sentiment":"neutral","sentiment_score":0.038139092234464794}],"sentiment":"neutral","sentiment_score":0.038139092234464794,"channel":1,"num_words":13,"start":433.595,"end":436.295},{"sentences":[{"text":"Yeah.","start":436.44,"end":436.75998,"sentiment":"neutral","sentiment_score":0.051827095448970795},{"text":"Most people have the same, especially with all their living expenses and interest rates","start":436.75998,"end":440.91998,"sentiment":"neutral","sentiment_score":0.04519151630146163}],"sentiment":"neutral","sentiment_score":0.045633888244628905,"channel":0,"num_words":15,"start":436.44,"end":440.91998},{"sentences":[{"text":"Yep.","start":440.915,"end":441.415,"sentiment":"neutral","sentiment_score":0.011275420896708964}],"sentiment":"neutral","sentiment_score":0.011275420896708964,"channel":1,"num_words":1,"start":440.915,"end":441.415},{"sentences":[{"text":"and everything at the moment.","start":440.91998,"end":442.37997,"sentiment":"neutral","sentiment_score":-0.05096894800662995},{"text":"So not a lot of people are feeling the same.","start":442.44,"end":445.475,"sentiment":"neutral","sentiment_score":-0.14514658376574516},{"text":"Asset wise, your property I have here last was died at about 400,000.","start":447.29498,"end":453.555,"sentiment":"neutral","sentiment_score":-0.07238417004163449}],"sentiment":"neutral","sentiment_score":-0.09454659957970891,"channel":0,"num_words":28,"start":440.91998,"end":453.555},{"sentences":[{"text":"Yeah.","start":455.05002,"end":455.55002,"sentiment":"neutral","sentiment_score":-0.06380350887775421},{"text":"I'm not really sure if it's still the same or what.","start":456.33002,"end":458.83002,"sentiment":"neutral","sentiment_score":-0.12952469018372623}],"sentiment":"neutral","sentiment_score":-0.12404792507489522,"channel":1,"num_words":12,"start":455.05002,"end":458.83002},{"sentences":[{"text":"So roughly yeah.","start":458.99002,"end":460.35,"sentiment":"neutral","sentiment_score":-0.04204338416457176},{"text":"And mortgage was about 231 owing.","start":460.35,"end":464.13,"sentiment":"neutral","sentiment_score":-0.050867462530732155}],"sentiment":"neutral","sentiment_score":-0.04792610307534536,"channel":0,"num_words":9,"start":458.99002,"end":464.13},{"sentences":[{"text":"Right.","start":464.695,"end":464.855,"sentiment":"neutral","sentiment_score":0.006357800215482712},{"text":"I just got a bed covered in mine there.","start":464.855,"end":468.075,"sentiment":"neutral","sentiment_score":0.033061112380690046}],"sentiment":"neutral","sentiment_score":0.030390781164169312,"channel":1,"num_words":10,"start":464.695,"end":468.075},{"sentences":[{"text":"Oh, beautiful.","start":468.60498,"end":469.26498,"sentiment":"positive","sentiment_score":0.5314548015594482},{"text":"So you guys have made a pretty good progression on the loan, which is good.","start":469.32498,"end":472.785,"sentiment":"positive","sentiment_score":0.6303795158863068},{"text":"Do you also have the investment property as well?","start":474.925,"end":477.345,"sentiment":"neutral","sentiment_score":0.15652764671378666}],"sentiment":"positive","sentiment_score":0.45874427545529145,"channel":0,"num_words":26,"start":468.60498,"end":477.345},{"sentences":[{"text":"Yes.","start":480.17,"end":480.57,"sentiment":"neutral","sentiment_score":0.08270364999771118},{"text":"Yeah.","start":480.57,"end":481.07,"sentiment":"neutral","sentiment_score":0.0804150179028511}],"sentiment":"neutral","sentiment_score":0.08155933395028114,"channel":1,"num_words":2,"start":480.17,"end":481.07},{"sentences":[{"text":"Yep.","start":481.02002,"end":481.42,"sentiment":"neutral","sentiment_score":0.05894872546195984},{"text":"Yep.","start":481.42,"end":481.9,"sentiment":"neutral","sentiment_score":0.053621456027030945},{"text":"And","start":481.9,"end":482.14,"sentiment":"neutral","sentiment_score":0.04031316190958023}],"sentiment":"neutral","sentiment_score":0.05096111446619034,"channel":0,"num_words":3,"start":481.02002,"end":482.14},{"sentences":[{"text":"Well,","start":482.09,"end":482.33,"sentiment":"neutral","sentiment_score":0.034393079578876495}],"sentiment":"neutral","sentiment_score":0.034393079578876495,"channel":1,"num_words":1,"start":482.09,"end":482.33},{"sentences":[{"text":"I have","start":482.14,"end":482.46,"sentiment":"neutral","sentiment_score":0.03412746265530586}],"sentiment":"neutral","sentiment_score":0.03412746265530586,"channel":0,"num_words":2,"start":482.14,"end":482.46},{"sentences":[{"text":"that's","start":482.33,"end":482.57,"sentiment":"neutral","sentiment_score":0.023548021912574768}],"sentiment":"neutral","sentiment_score":0.023548021912574768,"channel":1,"num_words":1,"start":482.33,"end":482.57},{"sentences":[{"text":"here","start":482.46,"end":482.7,"sentiment":"neutral","sentiment_score":0.024887554347515103}],"sentiment":"neutral","sentiment_score":0.024887554347515103,"channel":0,"num_words":1,"start":482.46,"end":482.7},{"sentences":[{"text":"that's","start":482.57,"end":483.07,"sentiment":"neutral","sentiment_score":0.022644631564617157}],"sentiment":"neutral","sentiment_score":0.022644631564617157,"channel":1,"num_words":1,"start":482.57,"end":483.07},{"sentences":[{"text":"that it yeah?","start":482.7,"end":484.16,"sentiment":"neutral","sentiment_score":0.014645308256149292}],"sentiment":"neutral","sentiment_score":0.014645308256149292,"channel":0,"num_words":3,"start":482.7,"end":484.16},{"sentences":[{"text":"sorry.","start":484.33,"end":484.81,"sentiment":"neutral","sentiment_score":-0.05872700363397598},{"text":"No.","start":484.81,"end":485.05,"sentiment":"neutral","sentiment_score":-0.08464916050434113},{"text":"You're right.","start":485.05,"end":485.79,"sentiment":"neutral","sentiment_score":-0.05857890099287033}],"sentiment":"neutral","sentiment_score":-0.06513349153101444,"channel":1,"num_words":4,"start":484.33,"end":485.79},{"sentences":[{"text":"No.","start":486.78,"end":487.02002,"sentiment":"neutral","sentiment_score":-0.12589263916015625},{"text":"I was gonna say I have here that it was died at about $1.50 with nothing owing on it.","start":487.02002,"end":491.84,"sentiment":"neutral","sentiment_score":-0.10096711547751176}],"sentiment":"neutral","sentiment_score":-0.10221339166164398,"channel":0,"num_words":20,"start":486.78,"end":491.84},{"sentences":[{"text":"Yeah.","start":493.315,"end":493.815,"sentiment":"neutral","sentiment_score":-0.009355541318655014},{"text":"Yeah.","start":494.595,"end":494.915,"sentiment":"neutral","sentiment_score":0.003321666270494461},{"text":"That'll be","start":494.915,"end":495.315,"sentiment":"neutral","sentiment_score":0.008695702068507671}],"sentiment":"neutral","sentiment_score":0.0028393822722136974,"channel":1,"num_words":4,"start":493.315,"end":495.315},{"sentences":[{"text":"Yeah.","start":495.25497,"end":495.75497,"sentiment":"neutral","sentiment_score":-0.0001439051702618599}],"sentiment":"neutral","sentiment_score":-0.0001439051702618599,"channel":0,"num_words":1,"start":495.25497,"end":495.75497},{"sentences":[{"text":"about right there.","start":495.315,"end":496.215,"sentiment":"neutral","sentiment_score":0.00030948563168446225}],"sentiment":"neutral","sentiment_score":0.00030948563168446225,"channel":1,"num_words":3,"start":495.315,"end":496.215},{"sentences":[{"text":"Okay.","start":496.455,"end":496.955,"sentiment":"neutral","sentiment_score":0.025444723665714264},{"text":"Now I also have here contents of about 100,000.","start":497.175,"end":500.875,"sentiment":"neutral","sentiment_score":0.025850341551833682}],"sentiment":"neutral","sentiment_score":0.02580977976322174,"channel":0,"num_words":10,"start":496.455,"end":500.875},{"sentences":[{"text":"Contents.","start":502.55,"end":503.05,"sentiment":"neutral","sentiment_score":0.021294891834259033},{"text":"Yeah.","start":503.11,"end":503.61,"sentiment":"neutral","sentiment_score":0.04329407215118408}],"sentiment":"neutral","sentiment_score":0.03229448199272156,"channel":1,"num_words":2,"start":502.55,"end":503.61},{"sentences":[{"text":"Yep.","start":504.15,"end":504.63,"sentiment":"neutral","sentiment_score":0.0447445884346962},{"text":"And then a motor vehicle ride at about 60,000 with nothing owing.","start":504.63,"end":511.21,"sentiment":"neutral","sentiment_score":0.030769363200912874}],"sentiment":"neutral","sentiment_score":0.031844380526588514,"channel":0,"num_words":13,"start":504.15,"end":511.21},{"sentences":[{"text":"That's right.","start":512.39,"end":512.95,"sentiment":"neutral","sentiment_score":0.05203842930495739},{"text":"Yep.","start":512.95,"end":513.45,"sentiment":"neutral","sentiment_score":0.04429389536380768}],"sentiment":"neutral","sentiment_score":0.04945691799124082,"channel":1,"num_words":3,"start":512.39,"end":513.45},{"sentences":[{"text":"Yep.","start":513.67,"end":514.07,"sentiment":"neutral","sentiment_score":0.037779759615659714},{"text":"And then a trailer a camper trailer of about 40,000.","start":514.07,"end":517.85,"sentiment":"neutral","sentiment_score":0.026982075721025466}],"sentiment":"neutral","sentiment_score":0.027963683347810398,"channel":0,"num_words":11,"start":513.67,"end":517.85},{"sentences":[{"text":"Yep.","start":518.895,"end":519.395,"sentiment":"neutral","sentiment_score":0.023370303213596344}],"sentiment":"neutral","sentiment_score":0.023370303213596344,"channel":1,"num_words":1,"start":518.895,"end":519.395},{"sentences":[{"text":"Yeah.","start":519.675,"end":519.915,"sentiment":"neutral","sentiment_score":0.019571468234062195}],"sentiment":"neutral","sentiment_score":0.019571468234062195,"channel":0,"num_words":1,"start":519.675,"end":519.915},{"sentences":[{"text":"Well,","start":519.695,"end":519.935,"sentiment":"neutral","sentiment_score":0.0024768877774477005}],"sentiment":"neutral","sentiment_score":0.0024768877774477005,"channel":1,"num_words":1,"start":519.695,"end":519.935},{"sentences":[{"text":"And","start":519.915,"end":520.15497,"sentiment":"neutral","sentiment_score":-0.012279365211725237}],"sentiment":"neutral","sentiment_score":-0.012279365211725237,"channel":0,"num_words":1,"start":519.915,"end":520.15497},{"sentences":[{"text":"I'm not","start":519.935,"end":520.175,"sentiment":"neutral","sentiment_score":-0.05114356987178326}],"sentiment":"neutral","sentiment_score":-0.05114356987178326,"channel":1,"num_words":2,"start":519.935,"end":520.175},{"sentences":[{"text":"then","start":520.15497,"end":520.315,"sentiment":"neutral","sentiment_score":-0.054734550416469574}],"sentiment":"neutral","sentiment_score":-0.054734550416469574,"channel":0,"num_words":1,"start":520.15497,"end":520.315},{"sentences":[{"text":"sure","start":520.175,"end":520.415,"sentiment":"neutral","sentiment_score":-0.06755484640598297}],"sentiment":"neutral","sentiment_score":-0.06755484640598297,"channel":1,"num_words":1,"start":520.175,"end":520.415},{"sentences":[{"text":"a","start":520.315,"end":520.555,"sentiment":"neutral","sentiment_score":-0.05547723174095154}],"sentiment":"neutral","sentiment_score":-0.05547723174095154,"channel":0,"num_words":1,"start":520.315,"end":520.555},{"sentences":[{"text":"what","start":520.415,"end":520.575,"sentiment":"neutral","sentiment_score":-0.049953848123550415}],"sentiment":"neutral","sentiment_score":-0.049953848123550415,"channel":1,"num_words":1,"start":520.415,"end":520.575},{"sentences":[{"text":"u","start":520.555,"end":521.055,"sentiment":"neutral","sentiment_score":-0.05838163569569588}],"sentiment":"neutral","sentiment_score":-0.05838163569569588,"channel":0,"num_words":1,"start":520.555,"end":521.055},{"sentences":[{"text":"they value on it now.","start":520.575,"end":521.795,"sentiment":"neutral","sentiment_score":-0.04261883795261383},{"text":"Yeah.","start":522.415,"end":522.915,"sentiment":"neutral","sentiment_score":-0.022190159186720848}],"sentiment":"neutral","sentiment_score":-0.039214058158298336,"channel":1,"num_words":6,"start":520.575,"end":522.915},{"sentences":[{"text":"roughly around that, you reckon?","start":523.595,"end":525.055,"sentiment":"neutral","sentiment_score":-0.01607416495680809}],"sentiment":"neutral","sentiment_score":-0.01607416495680809,"channel":0,"num_words":5,"start":523.595,"end":525.055},{"sentences":[{"text":"Yeah.","start":526.015,"end":526.335,"sentiment":"neutral","sentiment_score":-0.006941807456314564},{"text":"Well, that's what we paid","start":526.335,"end":527.21497,"sentiment":"neutral","sentiment_score":-0.005846377182751894}],"sentiment":"neutral","sentiment_score":-0.006028948895012339,"channel":1,"num_words":6,"start":526.015,"end":527.21497},{"sentences":[{"text":"Yeah.","start":527.115,"end":527.615,"sentiment":"neutral","sentiment_score":-0.009093044325709345}],"sentiment":"neutral","sentiment_score":-0.009093044325709345,"channel":0,"num_words":1,"start":527.115,"end":527.615},{"sentences":[{"text":"for it, but that what it is now, I don't know.","start":527.21497,"end":529.295,"sentiment":"neutral","sentiment_score":-0.04177252897484736},{"text":"But it's probably","start":529.295,"end":530.415,"sentiment":"neutral","sentiment_score":-0.020449761922160786}],"sentiment":"neutral","sentiment_score":-0.037203364606414525,"channel":1,"num_words":14,"start":527.21497,"end":530.415},{"sentences":[{"text":"Yep.","start":530.15497,"end":530.65497,"sentiment":"neutral","sentiment_score":-0.006955945398658514}],"sentiment":"neutral","sentiment_score":-0.006955945398658514,"channel":0,"num_words":1,"start":530.15497,"end":530.65497},{"sentences":[{"text":"30,000","start":530.415,"end":531.135,"sentiment":"neutral","sentiment_score":-0.008393339812755585}],"sentiment":"neutral","sentiment_score":-0.008393339812755585,"channel":1,"num_words":1,"start":530.415,"end":531.135},{"sentences":[{"text":"No.","start":530.795,"end":531.295,"sentiment":"neutral","sentiment_score":-0.06596701592206955}],"sentiment":"neutral","sentiment_score":-0.06596701592206955,"channel":0,"num_words":1,"start":530.795,"end":531.295},{"sentences":[{"text":"now.","start":531.135,"end":531.375,"sentiment":"neutral","sentiment_score":-0.06069100648164749},{"text":"But the","start":531.375,"end":531.96,"sentiment":"neutral","sentiment_score":-0.03123063687235117}],"sentiment":"neutral","sentiment_score":-0.041050760075449944,"channel":1,"num_words":3,"start":531.135,"end":531.96},{"sentences":[{"text":"Alright.","start":532.37,"end":532.61005,"sentiment":"neutral","sentiment_score":0.0005732303252443671},{"text":"I'll just change it to 30.","start":532.61005,"end":533.97003,"sentiment":"neutral","sentiment_score":-0.0035097431391477585},{"text":"Obviously, they they do depreciate a little bit in value.","start":533.97003,"end":537.11005,"sentiment":"neutral","sentiment_score":-0.024244199227541684},{"text":"And they use as well worth 15?","start":538.61005,"end":540.55,"sentiment":"neutral","sentiment_score":0.016438300056116923}],"sentiment":"neutral","sentiment_score":-0.006160796683010024,"channel":0,"num_words":24,"start":532.37,"end":540.55},{"sentences":[{"text":"Yes.","start":541.64,"end":542.14,"sentiment":"neutral","sentiment_score":0.0413670539855957},{"text":"We'll leave it at","start":542.36005,"end":542.92004,"sentiment":"neutral","sentiment_score":0.03739505959674716}],"sentiment":"neutral","sentiment_score":0.038189458474516866,"channel":1,"num_words":5,"start":541.64,"end":542.92004},{"sentences":[{"text":"Yep.","start":542.85004,"end":543.345,"sentiment":"neutral","sentiment_score":0.03872164338827133}],"sentiment":"neutral","sentiment_score":0.03872164338827133,"channel":0,"num_words":1,"start":542.85004,"end":543.345},{"sentences":[{"text":"that.","start":542.92004,"end":543.42004,"sentiment":"neutral","sentiment_score":0.01828731968998909}],"sentiment":"neutral","sentiment_score":0.01828731968998909,"channel":1,"num_words":1,"start":542.92004,"end":543.42004},{"sentences":[{"text":"Yep.","start":543.745,"end":544.245,"sentiment":"neutral","sentiment_score":0.14240366220474243},{"text":"Anything else that's changed us at Wise Peter in the last twelve months?","start":544.545,"end":548.08496,"sentiment":"neutral","sentiment_score":0.191957291502219}],"sentiment":"neutral","sentiment_score":0.18841774655239923,"channel":0,"num_words":14,"start":543.745,"end":548.08496},{"sentences":[{"text":"No.","start":548.875,"end":549.035,"sentiment":"neutral","sentiment_score":-0.21728993952274325},{"text":"Not really.","start":549.035,"end":549.77496,"sentiment":"neutral","sentiment_score":-0.22305550426244736}],"sentiment":"neutral","sentiment_score":-0.22113364934921265,"channel":1,"num_words":3,"start":548.875,"end":549.77496},{"sentences":[{"text":"None.","start":549.90497,"end":550.305,"sentiment":"neutral","sentiment_score":-0.13263118267059326},{"text":"Alright.","start":550.305,"end":550.70496,"sentiment":"neutral","sentiment_score":0.22324614226818085},{"text":"Perfect.","start":550.70496,"end":551.20496,"sentiment":"positive","sentiment_score":0.5666667222976685},{"text":"And when it comes to health and lifestyle, I have you down here as a non smoker and no significant health issues or injuries.","start":551.58496,"end":560.01,"sentiment":"neutral","sentiment_score":0.018096568683783214},{"text":"Is that the case?","start":560.01,"end":560.99,"sentiment":"neutral","sentiment_score":-0.00856834091246128}],"sentiment":"neutral","sentiment_score":0.034107289246974454,"channel":0,"num_words":31,"start":549.90497,"end":560.99},{"sentences":[{"text":"Nope.","start":562.03,"end":562.27,"sentiment":"neutral","sentiment_score":-0.06011149287223816},{"text":"Correct.","start":562.27,"end":562.67,"sentiment":"neutral","sentiment_score":0.1086423248052597},{"text":"Yeah.","start":562.67,"end":563.17,"sentiment":"neutral","sentiment_score":0.13940787315368652}],"sentiment":"neutral","sentiment_score":0.0626462350289027,"channel":1,"num_words":3,"start":562.03,"end":563.17},{"sentences":[{"text":"Yep.","start":563.29004,"end":563.69,"sentiment":"neutral","sentiment_score":0.2862323522567749},{"text":"Beautiful.","start":563.69,"end":564.19,"sentiment":"positive","sentiment_score":0.6144767999649048},{"text":"And do you have private health insurance?","start":564.81,"end":566.67004,"sentiment":"neutral","sentiment_score":0.09789933264255524}],"sentiment":"neutral","sentiment_score":0.17622272007995182,"channel":0,"num_words":9,"start":563.29004,"end":566.67004},{"sentences":[{"text":"No.","start":567.55,"end":568.05,"sentiment":"neutral","sentiment_score":-0.09077249467372894}],"sentiment":"neutral","sentiment_score":-0.09077249467372894,"channel":1,"num_words":1,"start":567.55,"end":568.05},{"sentences":[{"text":"No.","start":568.57,"end":569.07,"sentiment":"neutral","sentiment_score":-0.06415959447622299},{"text":"And when it comes to estate planning, do you know if you have a will or power of attorney in place?","start":569.945,"end":576.445,"sentiment":"neutral","sentiment_score":-0.02299087813922337}],"sentiment":"neutral","sentiment_score":-0.02486218342726881,"channel":0,"num_words":22,"start":568.57,"end":576.445},{"sentences":[{"text":"Not at the moment.","start":577.645,"end":578.52496,"sentiment":"neutral","sentiment_score":-0.24900783598423004},{"text":"No.","start":578.52496,"end":579.02496,"sentiment":"neutral","sentiment_score":-0.25802290439605713},{"text":"We've","start":579.40497,"end":579.90497,"sentiment":"neutral","sentiment_score":-0.2050964832305908}],"sentiment":"neutral","sentiment_score":-0.243191788593928,"channel":1,"num_words":6,"start":577.645,"end":579.90497},{"sentences":[{"text":"No.","start":579.465,"end":579.965,"sentiment":"neutral","sentiment_score":-0.27574265003204346}],"sentiment":"neutral","sentiment_score":-0.27574265003204346,"channel":0,"num_words":1,"start":579.465,"end":579.965},{"sentences":[{"text":"just gone through that with family stuff, and we've gotta do that very soon.","start":579.96497,"end":584.225,"sentiment":"neutral","sentiment_score":-0.32164538545267923}],"sentiment":"neutral","sentiment_score":-0.32164538545267923,"channel":1,"num_words":14,"start":579.96497,"end":584.225},{"sentences":[{"text":"Okay.","start":583.74005,"end":584.24005,"sentiment":"neutral","sentiment_score":-0.02850380539894104},{"text":"So kind of","start":584.78,"end":585.26,"sentiment":"neutral","sentiment_score":-0.020588410397370655}],"sentiment":"neutral","sentiment_score":-0.022567259147763252,"channel":0,"num_words":4,"start":583.74005,"end":585.26},{"sentences":[{"text":"Yeah.","start":585.245,"end":585.745,"sentiment":"neutral","sentiment_score":-0.0049758534878492355}],"sentiment":"neutral","sentiment_score":-0.0049758534878492355,"channel":1,"num_words":1,"start":585.245,"end":585.745},{"sentences":[{"text":"on the to do list.","start":585.26,"end":586.4,"sentiment":"neutral","sentiment_score":-0.006313009187579155}],"sentiment":"neutral","sentiment_score":-0.006313009187579155,"channel":0,"num_words":5,"start":585.26,"end":586.4},{"sentences":[{"text":"Yeah.","start":587.79004,"end":588.11005,"sentiment":"neutral","sentiment_score":0.018993163481354713},{"text":"Yeah.","start":588.11005,"end":588.61005,"sentiment":"neutral","sentiment_score":0.0201250109821558},{"text":"Well, we've","start":588.75,"end":589.47003,"sentiment":"neutral","sentiment_score":-0.00439995201304555}],"sentiment":"neutral","sentiment_score":0.007579567609354854,"channel":1,"num_words":4,"start":587.79004,"end":589.47003},{"sentences":[{"text":"And","start":589.26,"end":589.58,"sentiment":"neutral","sentiment_score":-0.023063573986291885}],"sentiment":"neutral","sentiment_score":-0.023063573986291885,"channel":0,"num_words":1,"start":589.26,"end":589.58},{"sentences":[{"text":"we've gone through a a thing with a family member and never had a will, so we're","start":589.47003,"end":593.73004,"sentiment":"neutral","sentiment_score":-0.0941562413731042}],"sentiment":"neutral","sentiment_score":-0.0941562413731042,"channel":1,"num_words":17,"start":589.47003,"end":593.73004},{"sentences":[{"text":"okay.","start":594.315,"end":594.815,"sentiment":"neutral","sentiment_score":-0.08126339316368103}],"sentiment":"neutral","sentiment_score":-0.08126339316368103,"channel":0,"num_words":1,"start":594.315,"end":594.815},{"sentences":[{"text":"realizing how bad it can be.","start":594.67004,"end":596.19,"sentiment":"neutral","sentiment_score":-0.23300030579169592},{"text":"So we yeah.","start":596.19,"end":597.31,"sentiment":"neutral","sentiment_score":-0.002500916520754497},{"text":"That's","start":597.31,"end":597.63,"sentiment":"neutral","sentiment_score":0.037344351410865784}],"sentiment":"neutral","sentiment_score":-0.13681602329015732,"channel":1,"num_words":10,"start":594.67004,"end":597.63},{"sentences":[{"text":"Yes.","start":597.435,"end":597.935,"sentiment":"neutral","sentiment_score":0.0476098395884037}],"sentiment":"neutral","sentiment_score":0.0476098395884037,"channel":0,"num_words":1,"start":597.435,"end":597.935},{"sentences":[{"text":"one.","start":597.63,"end":598.13,"sentiment":"neutral","sentiment_score":0.02305568940937519},{"text":"Yeah.","start":598.67004,"end":598.75,"sentiment":"neutral","sentiment_score":0.04113999009132385},{"text":"Immediately.","start":598.75,"end":599.25,"sentiment":"neutral","sentiment_score":0.0418362095952034}],"sentiment":"neutral","sentiment_score":0.03534396303196748,"channel":1,"num_words":3,"start":597.63,"end":599.25},{"sentences":[{"text":"Yeah.","start":599.195,"end":599.695,"sentiment":"neutral","sentiment_score":0.02688935399055481},{"text":"Yeah.","start":601.195,"end":601.595,"sentiment":"neutral","sentiment_score":0.01875188946723938},{"text":"Oh, I'm sorry to hear that.","start":601.595,"end":603.035,"sentiment":"neutral","sentiment_score":-0.09266020233432452},{"text":"And, yeah, it's one","start":603.035,"end":604.39496,"sentiment":"neutral","sentiment_score":-0.04310085950419307}],"sentiment":"neutral","sentiment_score":-0.05689361738041043,"channel":0,"num_words":12,"start":599.195,"end":604.39496},{"sentences":[{"text":"That's","start":604.355,"end":604.515,"sentiment":"neutral","sentiment_score":-0.041018784046173096}],"sentiment":"neutral","sentiment_score":-0.041018784046173096,"channel":1,"num_words":1,"start":604.355,"end":604.515},{"sentences":[{"text":"of those","start":604.39496,"end":604.71497,"sentiment":"neutral","sentiment_score":-0.04710808955132961}],"sentiment":"neutral","sentiment_score":-0.04710808955132961,"channel":0,"num_words":2,"start":604.39496,"end":604.71497},{"sentences":[{"text":"right.","start":604.515,"end":605.015,"sentiment":"neutral","sentiment_score":-0.031041160225868225}],"sentiment":"neutral","sentiment_score":-0.031041160225868225,"channel":1,"num_words":1,"start":604.515,"end":605.015},{"sentences":[{"text":"things that often people just kinda put it off to the side, and you don't tend to think about it until either something happens to you or","start":604.71497,"end":612.83997,"sentiment":"neutral","sentiment_score":-0.12483287174944524}],"sentiment":"neutral","sentiment_score":-0.12483287174944524,"channel":0,"num_words":27,"start":604.71497,"end":612.83997},{"sentences":[{"text":"Yeah.","start":612.755,"end":613.255,"sentiment":"neutral","sentiment_score":-0.017148686572909355}],"sentiment":"neutral","sentiment_score":-0.017148686572909355,"channel":1,"num_words":1,"start":612.755,"end":613.255},{"sentences":[{"text":"a loved one.","start":612.83997,"end":613.72,"sentiment":"neutral","sentiment_score":-0.002448937545220057},{"text":"And that's when you're like, oh, you can realize, obviously, the last thing you want is to leave","start":613.72,"end":619.515,"sentiment":"neutral","sentiment_score":-0.036081419015924134}],"sentiment":"neutral","sentiment_score":-0.03127677880582355,"channel":0,"num_words":21,"start":612.83997,"end":619.515},{"sentences":[{"text":"Yeah.","start":619.42,"end":619.92,"sentiment":"neutral","sentiment_score":0.039914172142744064}],"sentiment":"neutral","sentiment_score":0.039914172142744064,"channel":1,"num_words":1,"start":619.42,"end":619.92},{"sentences":[{"text":"you know, you want everything as smooth as possible if something ever would've happened to you so your","start":619.755,"end":624.395,"sentiment":"neutral","sentiment_score":0.1294778043197261}],"sentiment":"neutral","sentiment_score":0.1294778043197261,"channel":0,"num_words":18,"start":619.755,"end":624.395},{"sentences":[{"text":"That's","start":624.3,"end":624.54,"sentiment":"neutral","sentiment_score":0.21250450611114505}],"sentiment":"neutral","sentiment_score":0.21250450611114505,"channel":1,"num_words":1,"start":624.3,"end":624.54},{"sentences":[{"text":"loved","start":624.395,"end":624.71497,"sentiment":"neutral","sentiment_score":0.219310998916626}],"sentiment":"neutral","sentiment_score":0.219310998916626,"channel":0,"num_words":1,"start":624.395,"end":624.71497},{"sentences":[{"text":"right.","start":624.54,"end":624.86,"sentiment":"neutral","sentiment_score":0.23339875042438507}],"sentiment":"neutral","sentiment_score":0.23339875042438507,"channel":1,"num_words":1,"start":624.54,"end":624.86},{"sentences":[{"text":"ones,","start":624.71497,"end":625.21497,"sentiment":"neutral","sentiment_score":0.11060446500778198}],"sentiment":"neutral","sentiment_score":0.11060446500778198,"channel":0,"num_words":1,"start":624.71497,"end":625.21497},{"sentences":[{"text":"Yep.","start":624.86,"end":625.36,"sentiment":"neutral","sentiment_score":0.15341243147850037}],"sentiment":"neutral","sentiment_score":0.15341243147850037,"channel":1,"num_words":1,"start":624.86,"end":625.36},{"sentences":[{"text":"you know, don't have to worry too much.","start":625.27496,"end":627.195,"sentiment":"neutral","sentiment_score":0.14123605843633413},{"text":"So do you guys have someone local that can assist you with it, or do you need any suggestions","start":627.195,"end":633.99005,"sentiment":"neutral","sentiment_score":0.10787761093754518}],"sentiment":"neutral","sentiment_score":0.1177615953816308,"channel":0,"num_words":27,"start":625.27496,"end":633.99005},{"sentences":[{"text":"Yeah.","start":634.005,"end":634.505,"sentiment":"neutral","sentiment_score":0.04338156431913376}],"sentiment":"neutral","sentiment_score":0.04338156431913376,"channel":1,"num_words":1,"start":634.005,"end":634.505},{"sentences":[{"text":"on someone?","start":634.13,"end":634.87,"sentiment":"neutral","sentiment_score":0.024979750625789165}],"sentiment":"neutral","sentiment_score":0.024979750625789165,"channel":0,"num_words":2,"start":634.13,"end":634.87},{"sentences":[{"text":"Well, we would just use it as a local solicitor, but I don't know","start":635.685,"end":640.245,"sentiment":"neutral","sentiment_score":0.04722125668610845}],"sentiment":"neutral","sentiment_score":0.04722125668610845,"channel":1,"num_words":14,"start":635.685,"end":640.245},{"sentences":[{"text":"Yep.","start":640.21,"end":640.71,"sentiment":"neutral","sentiment_score":0.009541812352836132}],"sentiment":"neutral","sentiment_score":0.009541812352836132,"channel":0,"num_words":1,"start":640.21,"end":640.71},{"sentences":[{"text":"who's the best for it.","start":640.245,"end":641.625,"sentiment":"neutral","sentiment_score":0.0598034456372261}],"sentiment":"neutral","sentiment_score":0.0598034456372261,"channel":1,"num_words":5,"start":640.245,"end":641.625},{"sentences":[{"text":"Because what I can do, if you would like, just as a bit of a comparison, is that I can send you an email with a firm that we work closely with, and it has","start":642.05005,"end":652.755,"sentiment":"neutral","sentiment_score":0.0931760766676494}],"sentiment":"neutral","sentiment_score":0.0931760766676494,"channel":0,"num_words":35,"start":642.05005,"end":652.755},{"sentences":[{"text":"Mhmm.","start":652.61,"end":653.11,"sentiment":"neutral","sentiment_score":0.03186720237135887}],"sentiment":"neutral","sentiment_score":0.03186720237135887,"channel":1,"num_words":1,"start":652.61,"end":653.11},{"sentences":[{"text":"all the pricing and everything like that as well.","start":652.755,"end":655.33496,"sentiment":"neutral","sentiment_score":0.04256291107998954},{"text":"And then, obviously, you can even if you don't decide to do that, you can even use it as a bit of a price guide of when you are speaking to someone else to see roughly how much it might cost, if that would be helpful.","start":655.71497,"end":666.76996,"sentiment":"neutral","sentiment_score":0.14787888445931932}],"sentiment":"neutral","sentiment_score":0.13064536154270173,"channel":0,"num_words":55,"start":652.755,"end":666.76996},{"sentences":[{"text":"Yeah.","start":667.495,"end":667.815,"sentiment":"positive","sentiment_score":0.43385249376297},{"text":"That'll be good.","start":667.815,"end":668.455,"sentiment":"positive","sentiment_score":0.6963539918263754},{"text":"Thanks.","start":668.455,"end":668.955,"sentiment":"positive","sentiment_score":0.7607467174530029}],"sentiment":"positive","sentiment_score":0.6567322373390198,"channel":1,"num_words":5,"start":667.495,"end":668.955},{"sentences":[{"text":"Yeah.","start":668.50995,"end":668.99,"sentiment":"positive","sentiment_score":0.39500558376312256},{"text":"Yeah.","start":668.99,"end":669.49,"sentiment":"positive","sentiment_score":0.4672659039497375},{"text":"Perfect.","start":669.62994,"end":670.12994,"sentiment":"positive","sentiment_score":0.6716053485870361},{"text":"I will get the team to email that.","start":670.18994,"end":671.70996,"sentiment":"positive","sentiment_score":0.4323408976197243},{"text":"And that also includes just, like, a basic will or if you wanna will a power of attorney or if you want to do it as a couple as well, they can do that as well.","start":671.70996,"end":681.325,"sentiment":"neutral","sentiment_score":0.3129504256778293}],"sentiment":"positive","sentiment_score":0.3459323264182882,"channel":0,"num_words":47,"start":668.50995,"end":681.325},{"sentences":[{"text":"Okay.","start":682.16003,"end":682.66003,"sentiment":"neutral","sentiment_score":0.1012713760137558}],"sentiment":"neutral","sentiment_score":0.1012713760137558,"channel":1,"num_words":1,"start":682.16003,"end":682.66003},{"sentences":[{"text":"Yep.","start":682.985,"end":683.485,"sentiment":"neutral","sentiment_score":0.08840297162532806},{"text":"Otherwise, though, when it comes to your superannuation, so superannuation does not form part of the estate.","start":684.505,"end":691.95996,"sentiment":"neutral","sentiment_score":-0.018025916535407305},{"text":"So I have here that if something were to happen to you, you would like your super to go to Kathy.","start":693.06,"end":699.0,"sentiment":"neutral","sentiment_score":0.07401521929672786},{"text":"Is that correct?","start":699.22,"end":700.12,"sentiment":"neutral","sentiment_score":0.07838903119166692}],"sentiment":"neutral","sentiment_score":0.037415454507849756,"channel":0,"num_words":42,"start":682.985,"end":700.12},{"sentences":[{"text":"Yes.","start":700.15,"end":700.65,"sentiment":"neutral","sentiment_score":0.11022425442934036},{"text":"Yes.","start":700.71,"end":701.11005,"sentiment":"neutral","sentiment_score":0.12528830766677856}],"sentiment":"neutral","sentiment_score":0.11775628104805946,"channel":1,"num_words":2,"start":700.15,"end":701.11005},{"sentences":[{"text":"Yep.","start":700.89996,"end":701.39996,"sentiment":"neutral","sentiment_score":0.1843725293874741}],"sentiment":"neutral","sentiment_score":0.1843725293874741,"channel":0,"num_words":1,"start":700.89996,"end":701.39996},{"sentences":[{"text":"That's correct.","start":701.11005,"end":701.85004,"sentiment":"neutral","sentiment_score":0.3317318558692932}],"sentiment":"neutral","sentiment_score":0.3317318558692932,"channel":1,"num_words":2,"start":701.11005,"end":701.85004},{"sentences":[{"text":"Because she is your spouse as well, if something were to happen, it will go completely tax free to her, which is good.","start":702.305,"end":708.40497,"sentiment":"positive","sentiment_score":0.3941576856633891}],"sentiment":"positive","sentiment_score":0.3941576856633891,"channel":0,"num_words":23,"start":702.305,"end":708.40497},{"sentences":[{"text":"Mhmm.","start":710.47003,"end":710.97003,"sentiment":"neutral","sentiment_score":0.04866258054971695}],"sentiment":"neutral","sentiment_score":0.04866258054971695,"channel":1,"num_words":1,"start":710.47003,"end":710.97003},{"sentences":[{"text":"Yep.","start":711.345,"end":711.845,"sentiment":"neutral","sentiment_score":0.051760103553533554},{"text":"Otherwise, you don't have anyone who makes any financial decisions in on your behalf?","start":712.785,"end":716.885,"sentiment":"neutral","sentiment_score":-0.034088500775396824}],"sentiment":"neutral","sentiment_score":-0.028365260486801467,"channel":0,"num_words":15,"start":711.345,"end":716.885},{"sentences":[{"text":"No.","start":718.28503,"end":718.78503,"sentiment":"neutral","sentiment_score":-0.2095823585987091}],"sentiment":"neutral","sentiment_score":-0.2095823585987091,"channel":1,"num_words":1,"start":718.28503,"end":718.78503},{"sentences":[{"text":"No.","start":719.13,"end":719.63,"sentiment":"neutral","sentiment_score":-0.2071147859096527}],"sentiment":"neutral","sentiment_score":-0.2071147859096527,"channel":0,"num_words":1,"start":719.13,"end":719.63},{"sentences":[{"text":"No.","start":719.245,"end":719.565,"sentiment":"neutral","sentiment_score":-0.267264187335968},{"text":"Don't be","start":719.565,"end":720.125,"sentiment":"neutral","sentiment_score":-0.28291960060596466}],"sentiment":"neutral","sentiment_score":-0.27770112951596576,"channel":1,"num_words":3,"start":719.245,"end":720.125},{"sentences":[{"text":"Perfect.","start":719.93,"end":720.43,"sentiment":"neutral","sentiment_score":-0.27391332387924194}],"sentiment":"neutral","sentiment_score":-0.27391332387924194,"channel":0,"num_words":1,"start":719.93,"end":720.43},{"sentences":[{"text":"don't be telling her things like that.","start":720.125,"end":721.565,"sentiment":"neutral","sentiment_score":-0.2145188025065831},{"text":"She's sitting next to me.","start":721.565,"end":722.945,"sentiment":"neutral","sentiment_score":-0.020514117926359175}],"sentiment":"neutral","sentiment_score":-0.1336835172648231,"channel":1,"num_words":12,"start":720.125,"end":722.945},{"sentences":[{"text":"That's often the case.","start":724.01,"end":725.31,"sentiment":"neutral","sentiment_score":-0.015231825411319733},{"text":"They're like, not not officially, but my wife or husband does, kind of.","start":725.93,"end":729.87,"sentiment":"neutral","sentiment_score":0.0017655470336859042},{"text":"So that's all good.","start":731.65497,"end":732.39496,"sentiment":"neutral","sentiment_score":0.2935677394270897},{"text":"And, hey, Kathy.","start":733.095,"end":733.975,"sentiment":"neutral","sentiment_score":0.2206509311993917},{"text":"How are you?","start":733.975,"end":734.795,"sentiment":"neutral","sentiment_score":0.21840464075406393}],"sentiment":"neutral","sentiment_score":0.09086898086523568,"channel":0,"num_words":27,"start":724.01,"end":734.795},{"sentences":[{"text":"Good.","start":735.32996,"end":735.49,"sentiment":"positive","sentiment_score":0.510883629322052},{"text":"Thank you.","start":735.49,"end":736.23,"sentiment":"positive","sentiment_score":0.6415905356407166}],"sentiment":"positive","sentiment_score":0.5980215668678284,"channel":1,"num_words":3,"start":735.32996,"end":736.23},{"sentences":[{"text":"That's good.","start":736.77496,"end":737.675,"sentiment":"positive","sentiment_score":0.5948870182037354},{"text":"Now the next thing I do quickly wanna run through that with you, Peter, is just your risk profile just to see if we need to make any tweaks and changes to your risk tolerance or how your money is invested, if any of that has changed.","start":739.975,"end":754.83997,"sentiment":"neutral","sentiment_score":0.0606035922277481},{"text":"So it is just a couple of multiple","start":754.83997,"end":757.07996,"sentiment":"neutral","sentiment_score":0.1807479579001665}],"sentiment":"neutral","sentiment_score":0.0962127462160169,"channel":0,"num_words":57,"start":736.77496,"end":757.07996},{"sentences":[{"text":"Yep.","start":756.66,"end":757.16,"sentiment":"neutral","sentiment_score":0.18913058936595917}],"sentiment":"neutral","sentiment_score":0.18913058936595917,"channel":1,"num_words":1,"start":756.66,"end":757.16},{"sentences":[{"text":"choice questions to make it nice and easy, and you just let me know whatever you feel is","start":757.07996,"end":763.135,"sentiment":"neutral","sentiment_score":0.28898516048987705}],"sentiment":"neutral","sentiment_score":0.28898516048987705,"channel":0,"num_words":18,"start":757.07996,"end":763.135},{"sentences":[{"text":"Yep.","start":763.0875,"end":763.5875,"sentiment":"neutral","sentiment_score":0.13544169068336487}],"sentiment":"neutral","sentiment_score":0.13544169068336487,"channel":1,"num_words":1,"start":763.0875,"end":763.5875},{"sentences":[{"text":"the most appropriate for you.","start":763.135,"end":765.055,"sentiment":"neutral","sentiment_score":0.1617486760020256},{"text":"Does that make sense?","start":765.055,"end":766.27496,"sentiment":"neutral","sentiment_score":0.12180112674832344},{"text":"Yep.","start":768.815,"end":769.315,"sentiment":"neutral","sentiment_score":0.02912246249616146},{"text":"Now have you ever bought direct shares on the stock market yourself?","start":770.415,"end":775.15497,"sentiment":"neutral","sentiment_score":-0.007136662645886342}],"sentiment":"neutral","sentiment_score":0.05633774535222487,"channel":0,"num_words":22,"start":763.135,"end":775.15497},{"sentences":[{"text":"No.","start":776.235,"end":776.735,"sentiment":"neutral","sentiment_score":-0.21672774851322177}],"sentiment":"neutral","sentiment_score":-0.21672774851322177,"channel":1,"num_words":1,"start":776.235,"end":776.735},{"sentences":[{"text":"Nope.","start":777.5,"end":778.0,"sentiment":"neutral","sentiment_score":-0.07959597557783127},{"text":"And when it comes through how much risk you are willing to take for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?","start":779.89996,"end":798.205,"sentiment":"neutral","sentiment_score":-0.018134852984729104}],"sentiment":"neutral","sentiment_score":-0.01967138104955666,"channel":0,"num_words":40,"start":777.5,"end":798.205},{"sentences":[{"text":"Probably high and moderate or somewhere around","start":799.975,"end":803.65497,"sentiment":"neutral","sentiment_score":-0.042833498013871055}],"sentiment":"neutral","sentiment_score":-0.042833498013871055,"channel":1,"num_words":7,"start":799.975,"end":803.65497},{"sentences":[{"text":"Between,","start":803.48,"end":803.98,"sentiment":"neutral","sentiment_score":-0.03138956427574158}],"sentiment":"neutral","sentiment_score":-0.03138956427574158,"channel":0,"num_words":1,"start":803.48,"end":803.98},{"sentences":[{"text":"there.","start":803.65497,"end":804.15497,"sentiment":"neutral","sentiment_score":-0.03527861833572388}],"sentiment":"neutral","sentiment_score":-0.03527861833572388,"channel":1,"num_words":1,"start":803.65497,"end":804.15497},{"sentences":[{"text":"yep, between high","start":804.27997,"end":805.24,"sentiment":"neutral","sentiment_score":-0.021122343838214874}],"sentiment":"neutral","sentiment_score":-0.021122343838214874,"channel":0,"num_words":3,"start":804.27997,"end":805.24},{"sentences":[{"text":"But","start":805.01495,"end":805.51495,"sentiment":"neutral","sentiment_score":-0.025590915232896805}],"sentiment":"neutral","sentiment_score":-0.025590915232896805,"channel":1,"num_words":1,"start":805.01495,"end":805.51495},{"sentences":[{"text":"to moderate.","start":805.24,"end":805.89996,"sentiment":"neutral","sentiment_score":-0.04386819712817669}],"sentiment":"neutral","sentiment_score":-0.04386819712817669,"channel":0,"num_words":2,"start":805.24,"end":805.89996},{"sentences":[{"text":"I don't wanna lose","start":806.45496,"end":807.255,"sentiment":"neutral","sentiment_score":-0.17678412795066833}],"sentiment":"neutral","sentiment_score":-0.17678412795066833,"channel":1,"num_words":4,"start":806.45496,"end":807.255},{"sentences":[{"text":"Yep.","start":807.24,"end":807.74,"sentiment":"neutral","sentiment_score":-0.09253470599651337}],"sentiment":"neutral","sentiment_score":-0.09253470599651337,"channel":0,"num_words":1,"start":807.24,"end":807.74},{"sentences":[{"text":"everything in one go.","start":807.255,"end":808.475,"sentiment":"neutral","sentiment_score":-0.0595338586717844}],"sentiment":"neutral","sentiment_score":-0.0595338586717844,"channel":1,"num_words":4,"start":807.255,"end":808.475},{"sentences":[{"text":"No.","start":809.07996,"end":809.57996,"sentiment":"neutral","sentiment_score":-0.11053207516670228},{"text":"Especially with time as well, that's when that comes in handy that, you know, typically, market always goes up over the long term.","start":810.36,"end":817.645,"sentiment":"neutral","sentiment_score":-0.06200144456132599},{"text":"The short term, there will be some ups and downs and market fluctuations depending on what is going on.","start":817.645,"end":822.865,"sentiment":"neutral","sentiment_score":-0.10494425186985418},{"text":"And we also","start":823.005,"end":823.725,"sentiment":"neutral","sentiment_score":-0.036406942953666054}],"sentiment":"neutral","sentiment_score":-0.07912449814055277,"channel":0,"num_words":46,"start":809.07996,"end":823.725},{"sentences":[{"text":"Mhmm.","start":823.575,"end":824.075,"sentiment":"neutral","sentiment_score":-0.019530687481164932}],"sentiment":"neutral","sentiment_score":-0.019530687481164932,"channel":1,"num_words":1,"start":823.575,"end":824.075},{"sentences":[{"text":"wanna make sure that you have enough time for those fluctuations to come back around before you do want to access it.","start":823.725,"end":830.13,"sentiment":"neutral","sentiment_score":-0.040478891947052696}],"sentiment":"neutral","sentiment_score":-0.040478891947052696,"channel":0,"num_words":22,"start":823.725,"end":830.13},{"sentences":[{"text":"Yeah.","start":831.175,"end":831.675,"sentiment":"neutral","sentiment_score":0.02462959848344326},{"text":"Yep.","start":831.735,"end":832.235,"sentiment":"neutral","sentiment_score":0.03321993350982666}],"sentiment":"neutral","sentiment_score":0.02892476599663496,"channel":1,"num_words":2,"start":831.175,"end":832.235},{"sentences":[{"text":"Now kind of talking about fluctuations, if you placed an investment and then let's say after six months, it fell by 20%, Would you, if you had the option to do so, think that, well, now is potentially a good time to put a little bit more in while the prices are down?","start":833.25,"end":854.545,"sentiment":"neutral","sentiment_score":-0.010038158171019464},{"text":"Would you be just kind of a bit neutral, just kind of wait and see what happens, Or do you think you would want to sell out of that investment and move through something a little bit more secure, but that means you're also then kind of selling when the prices have dropped?","start":855.085,"end":869.74,"sentiment":"neutral","sentiment_score":-0.11329211491458821}],"sentiment":"neutral","sentiment_score":-0.06166513654280384,"channel":0,"num_words":106,"start":833.25,"end":869.74},{"sentences":[{"text":"That's a hard one because","start":872.08,"end":873.7,"sentiment":"neutral","sentiment_score":-0.2842708468437195}],"sentiment":"neutral","sentiment_score":-0.2842708468437195,"channel":1,"num_words":5,"start":872.08,"end":873.7},{"sentences":[{"text":"Yes.","start":873.655,"end":874.155,"sentiment":"neutral","sentiment_score":-0.22364822030067444}],"sentiment":"neutral","sentiment_score":-0.22364822030067444,"channel":0,"num_words":1,"start":873.655,"end":874.155},{"sentences":[{"text":"because if you just pull out, you're losing","start":877.2,"end":879.62,"sentiment":"negative","sentiment_score":-0.3367471005767584}],"sentiment":"negative","sentiment_score":-0.3367471005767584,"channel":1,"num_words":8,"start":877.2,"end":879.62},{"sentences":[{"text":"Yeah.","start":879.655,"end":880.155,"sentiment":"neutral","sentiment_score":-0.19907566905021667}],"sentiment":"neutral","sentiment_score":-0.19907566905021667,"channel":0,"num_words":1,"start":879.655,"end":880.155},{"sentences":[{"text":"all that money, and then","start":879.68,"end":880.98004,"sentiment":"neutral","sentiment_score":-0.15301618129014968}],"sentiment":"neutral","sentiment_score":-0.15301618129014968,"channel":1,"num_words":5,"start":879.68,"end":880.98004},{"sentences":[{"text":"Mhmm.","start":881.495,"end":881.995,"sentiment":"neutral","sentiment_score":-0.06050346791744232}],"sentiment":"neutral","sentiment_score":-0.06050346791744232,"channel":0,"num_words":1,"start":881.495,"end":881.995},{"sentences":[{"text":"just depends on all","start":881.745,"end":885.765,"sentiment":"neutral","sentiment_score":-0.045519718900322914}],"sentiment":"neutral","sentiment_score":-0.045519718900322914,"channel":1,"num_words":4,"start":881.745,"end":885.765},{"sentences":[{"text":"And it and it's more talking about, like, market trends.","start":885.83,"end":889.19,"sentiment":"neutral","sentiment_score":-0.10211202502250671},{"text":"So not like, let's say, one investment that's just gone bad, just kind of like market trends.","start":889.19,"end":895.11005,"sentiment":"neutral","sentiment_score":-0.2084321734659812},{"text":"So kind of, obviously, going back to COVID, we saw quite a bit of fluctuations.","start":895.11005,"end":898.81,"sentiment":"neutral","sentiment_score":-0.1335734044512113}],"sentiment":"neutral","sentiment_score":-0.156382577759879,"channel":0,"num_words":42,"start":885.83,"end":898.81},{"sentences":[{"text":"Yeah.","start":899.62,"end":900.1,"sentiment":"neutral","sentiment_score":-0.07418277859687805}],"sentiment":"neutral","sentiment_score":-0.07418277859687805,"channel":1,"num_words":1,"start":899.62,"end":900.1},{"sentences":[{"text":"Last","start":899.885,"end":900.385,"sentiment":"neutral","sentiment_score":-0.1020260453224182}],"sentiment":"neutral","sentiment_score":-0.1020260453224182,"channel":0,"num_words":1,"start":899.885,"end":900.385},{"sentences":[{"text":"I'd probably","start":900.1,"end":900.75995,"sentiment":"neutral","sentiment_score":-0.12096035853028297}],"sentiment":"neutral","sentiment_score":-0.12096035853028297,"channel":1,"num_words":2,"start":900.1,"end":900.75995},{"sentences":[{"text":"twelve months","start":900.485,"end":901.585,"sentiment":"neutral","sentiment_score":-0.11320337653160095}],"sentiment":"neutral","sentiment_score":-0.11320337653160095,"channel":0,"num_words":2,"start":900.485,"end":901.585},{"sentences":[{"text":"yeah.","start":902.81995,"end":903.13995,"sentiment":"neutral","sentiment_score":-0.11985842883586884},{"text":"I'd probably hang it out","start":903.13995,"end":905.0,"sentiment":"neutral","sentiment_score":-0.1710793763399124}],"sentiment":"neutral","sentiment_score":-0.16254255175590515,"channel":1,"num_words":6,"start":902.81995,"end":905.0},{"sentences":[{"text":"hang it up.","start":905.325,"end":906.045,"sentiment":"neutral","sentiment_score":-0.18642758826414743}],"sentiment":"neutral","sentiment_score":-0.18642758826414743,"channel":0,"num_words":3,"start":905.325,"end":906.045},{"sentences":[{"text":"in general.","start":905.77997,"end":906.51996,"sentiment":"neutral","sentiment_score":-0.0557101983577013}],"sentiment":"neutral","sentiment_score":-0.0557101983577013,"channel":1,"num_words":2,"start":905.77997,"end":906.51996},{"sentences":[{"text":"Okay.","start":906.045,"end":906.52496,"sentiment":"neutral","sentiment_score":0.21071700751781464},{"text":"Perfect.","start":906.52496,"end":907.02496,"sentiment":"positive","sentiment_score":0.3380386233329773},{"text":"Yep.","start":907.245,"end":907.745,"sentiment":"neutral","sentiment_score":0.19160109758377075},{"text":"Now if you had any investments or superannuation or anything else falling value, how would that make you feel?","start":909.485,"end":919.53,"sentiment":"neutral","sentiment_score":0.11111146368478474},{"text":"Would you say optimistic about potential future investments, a bit cautious, not making further investments, or would you say that you'll be a bit more concerned or anxious?","start":919.75,"end":933.11505,"sentiment":"neutral","sentiment_score":-0.11166167565222297}],"sentiment":"neutral","sentiment_score":-0.005501047596335411,"channel":0,"num_words":50,"start":906.045,"end":933.11505},{"sentences":[{"text":"Probably a bit top two, but a little bit cautious.","start":935.04,"end":938.805,"sentiment":"neutral","sentiment_score":-0.1060619294643402}],"sentiment":"neutral","sentiment_score":-0.1060619294643402,"channel":1,"num_words":10,"start":935.04,"end":938.805},{"sentences":[{"text":"A little bit cautious.","start":939.49506,"end":940.47504,"sentiment":"neutral","sentiment_score":-0.10583550482988358},{"text":"Yep.","start":940.61505,"end":941.11505,"sentiment":"neutral","sentiment_score":0.002689032582566142}],"sentiment":"neutral","sentiment_score":-0.08413059734739363,"channel":0,"num_words":5,"start":939.49506,"end":941.11505},{"sentences":[{"text":"Just they're all not they","start":944.545,"end":946.46497,"sentiment":"neutral","sentiment_score":-0.06426243931055069}],"sentiment":"neutral","sentiment_score":-0.06426243931055069,"channel":1,"num_words":5,"start":944.545,"end":946.46497},{"sentences":[{"text":"Yeah.","start":946.23,"end":946.73,"sentiment":"neutral","sentiment_score":-0.08360864222049713}],"sentiment":"neutral","sentiment_score":-0.08360864222049713,"channel":0,"num_words":1,"start":946.23,"end":946.73},{"sentences":[{"text":"don't depend on how close I am to retirement.","start":946.46497,"end":949.125,"sentiment":"neutral","sentiment_score":-0.11790159924162759}],"sentiment":"neutral","sentiment_score":-0.11790159924162759,"channel":1,"num_words":9,"start":946.46497,"end":949.125},{"sentences":[{"text":"Yes.","start":950.63,"end":951.13,"sentiment":"neutral","sentiment_score":-0.002582017332315445},{"text":"Sorry.","start":951.51,"end":952.01,"sentiment":"neutral","sentiment_score":-0.07271256297826767}],"sentiment":"neutral","sentiment_score":-0.03764729015529156,"channel":0,"num_words":2,"start":950.63,"end":952.01},{"sentences":[{"text":"When you start you're not starting to lose time and building it","start":952.03,"end":956.19,"sentiment":"neutral","sentiment_score":-0.06079420447349548}],"sentiment":"neutral","sentiment_score":-0.06079420447349548,"channel":1,"num_words":12,"start":952.03,"end":956.19},{"sentences":[{"text":"Exactly.","start":956.165,"end":956.665,"sentiment":"neutral","sentiment_score":0.08062353730201721}],"sentiment":"neutral","sentiment_score":0.08062353730201721,"channel":0,"num_words":1,"start":956.165,"end":956.665},{"sentences":[{"text":"back to where it should be.","start":956.19,"end":957.65,"sentiment":"neutral","sentiment_score":0.16635654494166374}],"sentiment":"neutral","sentiment_score":0.16635654494166374,"channel":1,"num_words":6,"start":956.19,"end":957.65},{"sentences":[{"text":"Exactly.","start":958.40497,"end":958.90497,"sentiment":"neutral","sentiment_score":0.1492484211921692},{"text":"Which also plays yeah.","start":960.165,"end":961.285,"sentiment":"neutral","sentiment_score":0.09173787385225296},{"text":"It plays a big a part role.","start":961.285,"end":963.285,"sentiment":"neutral","sentiment_score":0.14229769046817506},{"text":"So when we do assess, obviously, risk profile, it's it's time is one of the big things that we consider, but also how you feel about certain situations.","start":963.285,"end":972.98,"sentiment":"neutral","sentiment_score":0.04835631705022284},{"text":"Because I have some clients at 70 that goes, not put me in high risk.","start":973.19995,"end":977.36,"sentiment":"neutral","sentiment_score":0.006371446947256724}],"sentiment":"neutral","sentiment_score":0.0538514969362454,"channel":0,"num_words":55,"start":958.40497,"end":977.36},{"sentences":[{"text":"I'm happy.","start":977.36,"end":978.16,"sentiment":"positive","sentiment_score":0.6126085519790649},{"text":"I understand it.","start":978.16,"end":979.45996,"sentiment":"positive","sentiment_score":0.35251932342847186},{"text":"Often, you see the older you get, the more defensive you become because, like you touched on, you don't have as much time.","start":980.515,"end":987.015,"sentiment":"neutral","sentiment_score":-0.0015157840984023135},{"text":"So then at the same time,","start":987.235,"end":988.435,"sentiment":"neutral","sentiment_score":0.04246061109006405}],"sentiment":"neutral","sentiment_score":0.07360810901531402,"channel":0,"num_words":34,"start":977.36,"end":988.435},{"sentences":[{"text":"Yep.","start":988.22003,"end":988.72003,"sentiment":"neutral","sentiment_score":0.07750128209590912}],"sentiment":"neutral","sentiment_score":0.07750128209590912,"channel":1,"num_words":1,"start":988.22003,"end":988.72003},{"sentences":[{"text":"I have some 20 year olds that go, oh, no.","start":988.435,"end":990.755,"sentiment":"neutral","sentiment_score":0.0486829049885273},{"text":"I don't wanna see any fluctuations, and they're super defensive.","start":990.755,"end":993.495,"sentiment":"neutral","sentiment_score":0.024831586703658103},{"text":"So time does play a big role, but then also how you would feel in a situation kind of plays in","start":993.89996,"end":1000.62,"sentiment":"neutral","sentiment_score":0.0635390349087261}],"sentiment":"neutral","sentiment_score":0.050474747561100056,"channel":0,"num_words":41,"start":988.435,"end":1000.62},{"sentences":[{"text":"Yeah.","start":1000.545,"end":1001.045,"sentiment":"neutral","sentiment_score":0.09547295421361925}],"sentiment":"neutral","sentiment_score":0.09547295421361925,"channel":1,"num_words":1,"start":1000.545,"end":1001.045},{"sentences":[{"text":"as well, if that makes sense.","start":1000.62,"end":1002.31995,"sentiment":"neutral","sentiment_score":0.12320780754089355}],"sentiment":"neutral","sentiment_score":0.12320780754089355,"channel":0,"num_words":6,"start":1000.62,"end":1002.31995},{"sentences":[{"text":"Yeah.","start":1001.825,"end":1002.065,"sentiment":"neutral","sentiment_score":0.05477626621723175},{"text":"Well, as I said, I was getting to the stage now.","start":1002.065,"end":1004.065,"sentiment":"neutral","sentiment_score":0.02274184199896726},{"text":"I'm looking towards retirement, and then I'll","start":1004.065,"end":1006.64996,"sentiment":"neutral","sentiment_score":0.039793952501245906}],"sentiment":"neutral","sentiment_score":0.03071022082708384,"channel":1,"num_words":19,"start":1001.825,"end":1006.64996},{"sentences":[{"text":"Yeah.","start":1006.635,"end":1007.135,"sentiment":"neutral","sentiment_score":-0.010457279160618782}],"sentiment":"neutral","sentiment_score":-0.010457279160618782,"channel":0,"num_words":1,"start":1006.635,"end":1007.135},{"sentences":[{"text":"be a little bit yeah.","start":1006.64996,"end":1010.82996,"sentiment":"neutral","sentiment_score":-0.03203078061342239}],"sentiment":"neutral","sentiment_score":-0.03203078061342239,"channel":1,"num_words":5,"start":1006.64996,"end":1010.82996},{"sentences":[{"text":"Gradually.","start":1011.27496,"end":1011.77496,"sentiment":"neutral","sentiment_score":-0.008692187257111073}],"sentiment":"neutral","sentiment_score":-0.008692187257111073,"channel":0,"num_words":1,"start":1011.27496,"end":1011.77496},{"sentences":[{"text":"But","start":1011.52997,"end":1012.02997,"sentiment":"neutral","sentiment_score":-0.04062361270189285}],"sentiment":"neutral","sentiment_score":-0.04062361270189285,"channel":1,"num_words":1,"start":1011.52997,"end":1012.02997},{"sentences":[{"text":"And that's","start":1011.915,"end":1012.315,"sentiment":"neutral","sentiment_score":-0.057486532256007195}],"sentiment":"neutral","sentiment_score":-0.057486532256007195,"channel":0,"num_words":2,"start":1011.915,"end":1012.315},{"sentences":[{"text":"but I'm not at the stage where I can't say well, I'm just gonna have to hang off a bit longer.","start":1013.20996,"end":1017.63,"sentiment":"neutral","sentiment_score":-0.17657994159630366}],"sentiment":"neutral","sentiment_score":-0.17657994159630366,"channel":1,"num_words":21,"start":1013.20996,"end":1017.63},{"sentences":[{"text":"Yeah.","start":1018.33,"end":1018.83,"sentiment":"neutral","sentiment_score":-0.04272720217704773},{"text":"So what we can do is sorry.","start":1018.97003,"end":1021.93,"sentiment":"neutral","sentiment_score":-0.05405033752322197},{"text":"I have one more question first, and then I'll go into the risk profile for you.","start":1021.93,"end":1026.17,"sentiment":"neutral","sentiment_score":-0.04800725367385894},{"text":"So the last one here is just in regards to borrowing money.","start":1026.17,"end":1028.91,"sentiment":"neutral","sentiment_score":-0.024736465886235237},{"text":"So would you ever consider taking out a loan to invest in stocks or funds?","start":1029.37,"end":1034.6849,"sentiment":"neutral","sentiment_score":-0.04051765725016594}],"sentiment":"neutral","sentiment_score":-0.041054864176640324,"channel":0,"num_words":51,"start":1018.33,"end":1034.6849},{"sentences":[{"text":"Not really.","start":1039.11,"end":1039.9299,"sentiment":"neutral","sentiment_score":-0.1286812275648117}],"sentiment":"neutral","sentiment_score":-0.1286812275648117,"channel":1,"num_words":2,"start":1039.11,"end":1039.9299},{"sentences":[{"text":"No.","start":1040.585,"end":1041.085,"sentiment":"neutral","sentiment_score":-0.14107975363731384},{"text":"And","start":1041.225,"end":1041.705,"sentiment":"neutral","sentiment_score":-0.10849467664957048}],"sentiment":"neutral","sentiment_score":-0.12478721514344215,"channel":0,"num_words":2,"start":1040.585,"end":1041.705},{"sentences":[{"text":"I","start":1041.51,"end":1041.75,"sentiment":"neutral","sentiment_score":-0.1286143660545349}],"sentiment":"neutral","sentiment_score":-0.1286143660545349,"channel":1,"num_words":1,"start":1041.51,"end":1041.75},{"sentences":[{"text":"with","start":1041.705,"end":1041.945,"sentiment":"neutral","sentiment_score":-0.13341909646987915}],"sentiment":"neutral","sentiment_score":-0.13341909646987915,"channel":0,"num_words":1,"start":1041.705,"end":1041.945},{"sentences":[{"text":"don't think","start":1041.75,"end":1042.15,"sentiment":"neutral","sentiment_score":-0.12842438369989395}],"sentiment":"neutral","sentiment_score":-0.12842438369989395,"channel":1,"num_words":2,"start":1041.75,"end":1042.15},{"sentences":[{"text":"the investment","start":1041.945,"end":1042.605,"sentiment":"neutral","sentiment_score":-0.1414661630988121}],"sentiment":"neutral","sentiment_score":-0.1414661630988121,"channel":0,"num_words":2,"start":1041.945,"end":1042.605},{"sentences":[{"text":"so.","start":1042.15,"end":1042.39,"sentiment":"neutral","sentiment_score":-0.13709808886051178},{"text":"No.","start":1042.39,"end":1042.89,"sentiment":"neutral","sentiment_score":-0.14818641543388367}],"sentiment":"neutral","sentiment_score":-0.14264225214719772,"channel":1,"num_words":2,"start":1042.15,"end":1042.89},{"sentences":[{"text":"no.","start":1043.3301,"end":1043.73,"sentiment":"neutral","sentiment_score":-0.1079675704240799},{"text":"And with the investment property that you have, did you ever take out a loan for it, or did you buy it outright?","start":1043.73,"end":1050.15,"sentiment":"neutral","sentiment_score":-0.024826045269551483}],"sentiment":"neutral","sentiment_score":-0.0282902754843235,"channel":0,"num_words":24,"start":1043.3301,"end":1050.15},{"sentences":[{"text":"Originally, we took out a loan, but it's it's all combined in the in the one loan that now, so so","start":1051.045,"end":1058.645,"sentiment":"neutral","sentiment_score":-0.019550331114303498}],"sentiment":"neutral","sentiment_score":-0.019550331114303498,"channel":1,"num_words":21,"start":1051.045,"end":1058.645},{"sentences":[{"text":"Yep.","start":1058.625,"end":1058.9451,"sentiment":"neutral","sentiment_score":0.0021376237273216248}],"sentiment":"neutral","sentiment_score":0.0021376237273216248,"channel":0,"num_words":1,"start":1058.625,"end":1058.9451},{"sentences":[{"text":"we pay","start":1058.645,"end":1059.045,"sentiment":"neutral","sentiment_score":-0.01021168939769268}],"sentiment":"neutral","sentiment_score":-0.01021168939769268,"channel":1,"num_words":2,"start":1058.645,"end":1059.045},{"sentences":[{"text":"Okay.","start":1058.9451,"end":1059.4451,"sentiment":"neutral","sentiment_score":-0.005903188139200211}],"sentiment":"neutral","sentiment_score":-0.005903188139200211,"channel":0,"num_words":1,"start":1058.9451,"end":1059.4451},{"sentences":[{"text":"the one debt.","start":1059.045,"end":1060.345,"sentiment":"neutral","sentiment_score":-0.01090468962987264}],"sentiment":"neutral","sentiment_score":-0.01090468962987264,"channel":1,"num_words":3,"start":1059.045,"end":1060.345},{"sentences":[{"text":"Yeah.","start":1060.865,"end":1061.265,"sentiment":"neutral","sentiment_score":0.05437081307172775},{"text":"Okay.","start":1061.265,"end":1061.5851,"sentiment":"neutral","sentiment_score":0.14122632145881653},{"text":"Perfect.","start":1061.5851,"end":1062.0851,"sentiment":"neutral","sentiment_score":0.06182843819260597},{"text":"Now, Peter, that tells me here that you have come out as a balanced growth investor.","start":1062.865,"end":1069.285,"sentiment":"neutral","sentiment_score":0.23653954733163118},{"text":"And at the moment, we have you in a growth portfolio.","start":1070.81,"end":1074.67,"sentiment":"neutral","sentiment_score":0.1156607683409344}],"sentiment":"neutral","sentiment_score":0.1771442260593176,"channel":0,"num_words":30,"start":1060.865,"end":1074.67},{"sentences":[{"text":"Do you know the difference between those two at all?","start":1075.61,"end":1078.91,"sentiment":"neutral","sentiment_score":0.024222119711339474}],"sentiment":"neutral","sentiment_score":0.024222119711339474,"channel":0,"num_words":10,"start":1075.61,"end":1078.91},{"sentences":[{"text":"No.","start":1079.9249,"end":1080.245,"sentiment":"neutral","sentiment_score":-0.23014850914478305},{"text":"Not really.","start":1080.245,"end":1080.8049,"sentiment":"neutral","sentiment_score":-0.1797398179769516},{"text":"Not.","start":1080.8049,"end":1081.3049,"sentiment":"neutral","sentiment_score":-0.17150013148784635}],"sentiment":"neutral","sentiment_score":-0.19028206914663315,"channel":1,"num_words":4,"start":1079.9249,"end":1081.3049},{"sentences":[{"text":"No.","start":1081.61,"end":1082.11,"sentiment":"neutral","sentiment_score":-0.16609235107898712},{"text":"So in a growth portfolio, which is how you are currently invested, it is typically for investors who are looking at getting as much growth as you possibly can out of your superannuation while you still","start":1082.5249,"end":1094.765,"sentiment":"neutral","sentiment_score":0.019917568773962557}],"sentiment":"neutral","sentiment_score":0.014890273642801755,"channel":0,"num_words":37,"start":1081.61,"end":1094.765},{"sentences":[{"text":"Mhmm.","start":1094.48,"end":1094.98,"sentiment":"neutral","sentiment_score":0.016759999096393585}],"sentiment":"neutral","sentiment_score":0.016759999096393585,"channel":1,"num_words":1,"start":1094.48,"end":1094.98},{"sentences":[{"text":"have plenty of time.","start":1094.765,"end":1096.1449,"sentiment":"neutral","sentiment_score":-0.012314570136368275},{"text":"Also,","start":1096.83,"end":1097.15,"sentiment":"neutral","sentiment_score":0.09197154641151428}],"sentiment":"neutral","sentiment_score":0.008542653173208237,"channel":0,"num_words":5,"start":1094.765,"end":1097.15},{"sentences":[{"text":"Yep.","start":1097.0399,"end":1097.5399,"sentiment":"neutral","sentiment_score":0.09555010497570038}],"sentiment":"neutral","sentiment_score":0.09555010497570038,"channel":1,"num_words":1,"start":1097.0399,"end":1097.5399},{"sentences":[{"text":"someone who is you know, understand that there will be some higher level of fluctuations in order to achieve that growth.","start":1097.15,"end":1106.45,"sentiment":"neutral","sentiment_score":-0.004783843777009419},{"text":"Now when it comes to how the money is actually then invested, we see about 80 invested in what we call your growth assets.","start":1107.23,"end":1118.605,"sentiment":"neutral","sentiment_score":0.14732941146939993},{"text":"Now","start":1118.985,"end":1119.485,"sentiment":"neutral","sentiment_score":0.22588640451431272}],"sentiment":"neutral","sentiment_score":0.07959416435788506,"channel":0,"num_words":46,"start":1097.15,"end":1119.485},{"sentences":[{"text":"Yep.","start":1119.42,"end":1119.92,"sentiment":"neutral","sentiment_score":0.25696489214897156}],"sentiment":"neutral","sentiment_score":0.25696489214897156,"channel":1,"num_words":1,"start":1119.42,"end":1119.92},{"sentences":[{"text":"this is a combination of Australian shares, international shares, and property as well, And that is what's going to maximize the growth for you.","start":1119.545,"end":1131.18,"sentiment":"positive","sentiment_score":0.3991232930372159},{"text":"And","start":1131.8,"end":1132.04,"sentiment":"neutral","sentiment_score":0.20220860838890076}],"sentiment":"positive","sentiment_score":0.3912467056512833,"channel":0,"num_words":25,"start":1119.545,"end":1132.04},{"sentences":[{"text":"Mhmm.","start":1131.9801,"end":1132.4801,"sentiment":"neutral","sentiment_score":0.15529485046863556}],"sentiment":"neutral","sentiment_score":0.15529485046863556,"channel":1,"num_words":1,"start":1131.9801,"end":1132.4801},{"sentences":[{"text":"then we have about 20% in defensive.","start":1132.04,"end":1135.18,"sentiment":"neutral","sentiment_score":0.1496731330241476},{"text":"So that would be a combination of fixed interest, cash, and gold to try not limit fluctuations a little bit.","start":1135.9601,"end":1142.985,"sentiment":"neutral","sentiment_score":0.13919310811907054},{"text":"Now","start":1144.025,"end":1144.525,"sentiment":"neutral","sentiment_score":0.030726395547389984}],"sentiment":"neutral","sentiment_score":0.1379393031820655,"channel":0,"num_words":28,"start":1132.04,"end":1144.525},{"sentences":[{"text":"Mhmm.","start":1144.295,"end":1144.795,"sentiment":"neutral","sentiment_score":0.0506797656416893}],"sentiment":"neutral","sentiment_score":0.0506797656416893,"channel":1,"num_words":1,"start":1144.295,"end":1144.795},{"sentences":[{"text":"the difference then between a balanced growth is kind of on the scale that is one step down, so slightly more defensive.","start":1144.905,"end":1152.525,"sentiment":"neutral","sentiment_score":0.023783588443290104},{"text":"Now a balanced growth is typically for investors who are looking at getting some growth still out of your superannuation while you are working and you are contributing through this superannuation from your employer, but you want","start":1153.145,"end":1166.13,"sentiment":"neutral","sentiment_score":0.1853106785062197}],"sentiment":"neutral","sentiment_score":0.1250802381437714,"channel":0,"num_words":59,"start":1144.905,"end":1166.13},{"sentences":[{"text":"Yep.","start":1165.755,"end":1166.255,"sentiment":"neutral","sentiment_score":0.14094161987304688}],"sentiment":"neutral","sentiment_score":0.14094161987304688,"channel":1,"num_words":1,"start":1165.755,"end":1166.255},{"sentences":[{"text":"a slightly more conservative element to your portfolio in order to kinda limit fluctuations a little bit because you don't have as much time.","start":1166.13,"end":1175.785,"sentiment":"neutral","sentiment_score":0.04935602191835642},{"text":"Now","start":1176.725,"end":1177.225,"sentiment":"neutral","sentiment_score":0.09370461106300354}],"sentiment":"neutral","sentiment_score":0.0511299654841423,"channel":0,"num_words":25,"start":1166.13,"end":1177.225},{"sentences":[{"text":"Mhmm.","start":1177.42,"end":1177.92,"sentiment":"neutral","sentiment_score":0.11053114384412766}],"sentiment":"neutral","sentiment_score":0.11053114384412766,"channel":1,"num_words":1,"start":1177.42,"end":1177.92},{"sentences":[{"text":"when it then comes to the money being invested, it's about a 10% difference from the growth one.","start":1177.925,"end":1183.845,"sentiment":"neutral","sentiment_score":0.09011995916565259},{"text":"So you will have about 70% in growth.","start":1183.845,"end":1186.65,"sentiment":"neutral","sentiment_score":0.20978365652263165},{"text":"So still focusing on growing it, but then you have about 30 in defensive to limit fluctuations a little bit.","start":1186.97,"end":1194.67,"sentiment":"neutral","sentiment_score":0.16845813505351542},{"text":"Does that make sense?","start":1194.73,"end":1195.9501,"sentiment":"neutral","sentiment_score":0.13964210450649261}],"sentiment":"neutral","sentiment_score":0.1445631927251816,"channel":0,"num_words":50,"start":1177.925,"end":1195.9501},{"sentences":[{"text":"Mhmm.","start":1196.7151,"end":1196.795,"sentiment":"neutral","sentiment_score":0.08578028529882431},{"text":"Yep.","start":1196.795,"end":1197.295,"sentiment":"neutral","sentiment_score":0.1378660649061203}],"sentiment":"neutral","sentiment_score":0.1118231751024723,"channel":1,"num_words":2,"start":1196.7151,"end":1197.295},{"sentences":[{"text":"Yeah.","start":1197.53,"end":1198.03,"sentiment":"neutral","sentiment_score":0.1595030128955841},{"text":"Now factoring in time as well, a balanced growth portfolio, we typically want to see about five years until retirement, making sure you have enough time for the market fluctuation.","start":1198.41,"end":1210.745,"sentiment":"neutral","sentiment_score":0.16369237477580706},{"text":"Whereas in a growth portfolio, we want at least six ideally.","start":1211.88,"end":1215.9,"sentiment":"neutral","sentiment_score":0.1533285921270197},{"text":"So","start":1217.16,"end":1217.64,"sentiment":"neutral","sentiment_score":0.12561838328838348}],"sentiment":"neutral","sentiment_score":0.16005830588035805,"channel":0,"num_words":43,"start":1197.53,"end":1217.64},{"sentences":[{"text":"Mhmm.","start":1217.33,"end":1217.83,"sentiment":"neutral","sentiment_score":0.10704812407493591}],"sentiment":"neutral","sentiment_score":0.10704812407493591,"channel":1,"num_words":1,"start":1217.33,"end":1217.83},{"sentences":[{"text":"from that, do you feel like there's one that you align with a little bit more?","start":1217.64,"end":1222.62,"sentiment":"neutral","sentiment_score":0.10973843513056636}],"sentiment":"neutral","sentiment_score":0.10973843513056636,"channel":0,"num_words":16,"start":1217.64,"end":1222.62},{"sentences":[{"text":"Well, probably the balance, but yeah.","start":1228.325,"end":1230.425,"sentiment":"neutral","sentiment_score":0.017948012488583725}],"sentiment":"neutral","sentiment_score":0.017948012488583725,"channel":1,"num_words":6,"start":1228.325,"end":1230.425},{"sentences":[{"text":"Yeah.","start":1231.175,"end":1231.495,"sentiment":"neutral","sentiment_score":0.07869081199169159},{"text":"The balance growth.","start":1231.495,"end":1232.635,"sentiment":"neutral","sentiment_score":0.10961758593718211}],"sentiment":"neutral","sentiment_score":0.10188589245080948,"channel":0,"num_words":4,"start":1231.175,"end":1232.635},{"sentences":[{"text":"Yeah.","start":1233.7,"end":1234.0199,"sentiment":"neutral","sentiment_score":0.10609999299049376},{"text":"But I I I I reckon I might later another year is the way it is.","start":1234.0199,"end":1238.7599,"sentiment":"neutral","sentiment_score":0.0977036461699754}],"sentiment":"neutral","sentiment_score":0.09819754892412354,"channel":1,"num_words":17,"start":1233.7,"end":1238.7599},{"sentences":[{"text":"Yeah.","start":1239.1101,"end":1239.3501,"sentiment":"neutral","sentiment_score":0.2116033434867859},{"text":"Because what I can do for you, Peter, especially as you are getting closer, and I think what you were telling me, a balance growth is quite suitable.","start":1239.3501,"end":1248.17,"sentiment":"positive","sentiment_score":0.3912817644221442},{"text":"But, obviously, before you make up your mind, what I would like to do is because every time we do make a change, there there can be some capital gains tax, which we wanna minimize, but then also you wanna look at, you know, total fees and also the performance between the two portfolio and how that's going to change things for you.","start":1248.8351,"end":1269.78,"sentiment":"neutral","sentiment_score":0.19855135655592357},{"text":"So what","start":1270.24,"end":1270.88,"sentiment":"neutral","sentiment_score":0.1690322533249855}],"sentiment":"neutral","sentiment_score":0.2554711991168083,"channel":0,"num_words":94,"start":1239.1101,"end":1270.88},{"sentences":[{"text":"Mhmm.","start":1270.7699,"end":1271.2699,"sentiment":"neutral","sentiment_score":0.16161736845970154}],"sentiment":"neutral","sentiment_score":0.16161736845970154,"channel":1,"num_words":1,"start":1270.7699,"end":1271.2699},{"sentences":[{"text":"I can do is that I'm more than happy to do do some research between your current growth portfolio and a potential balance growth portfolio, especially","start":1270.88,"end":1281.025,"sentiment":"neutral","sentiment_score":0.3277801601932599}],"sentiment":"neutral","sentiment_score":0.3277801601932599,"channel":0,"num_words":26,"start":1270.88,"end":1281.025},{"sentences":[{"text":"Yep.","start":1280.985,"end":1281.485,"sentiment":"neutral","sentiment_score":0.30232489109039307}],"sentiment":"neutral","sentiment_score":0.30232489109039307,"channel":1,"num_words":1,"start":1280.985,"end":1281.485},{"sentences":[{"text":"because it's been a little bit of time as well with your investments.","start":1281.025,"end":1284.8049,"sentiment":"neutral","sentiment_score":0.3027363889492475},{"text":"And, obviously, a lot has happened in the market in the last twelve months, and it is good to do a bit of a bit of an assessment and see if there's anyone that has underperformed, if we wanna change anything.","start":1284.865,"end":1295.68,"sentiment":"neutral","sentiment_score":0.1827887040449352},{"text":"So I'm more than happy to put together a proposal for you, run that through with you, and then you can see what it would look like if we do move to a balance growth to reduce risk a little bit.","start":1296.38,"end":1309.9249,"sentiment":"positive","sentiment_score":0.4383329770913938},{"text":"That way you have all the information.","start":1310.945,"end":1312.885,"sentiment":"positive","sentiment_score":0.361227742263249},{"text":"And then following that, you can decide if you would like to go ahead with the change or if you prefer to leave it as is.","start":1313.1849,"end":1319.79,"sentiment":"neutral","sentiment_score":0.23753149091051176}],"sentiment":"neutral","sentiment_score":0.29770292923785746,"channel":0,"num_words":128,"start":1281.025,"end":1319.79},{"sentences":[{"text":"But then at least you have a little bit more information.","start":1319.79,"end":1322.05,"sentiment":"neutral","sentiment_score":0.13532097366723148},{"text":"Would that","start":1322.99,"end":1323.39,"sentiment":"neutral","sentiment_score":0.15107014775276184}],"sentiment":"neutral","sentiment_score":0.13774392352654383,"channel":0,"num_words":13,"start":1319.79,"end":1323.39},{"sentences":[{"text":"Yep.","start":1323.3201,"end":1323.8201,"sentiment":"neutral","sentiment_score":0.12900474667549133}],"sentiment":"neutral","sentiment_score":0.12900474667549133,"channel":1,"num_words":1,"start":1323.3201,"end":1323.8201},{"sentences":[{"text":"be helpful?","start":1323.39,"end":1324.05,"sentiment":"neutral","sentiment_score":0.15541385114192963}],"sentiment":"neutral","sentiment_score":0.15541385114192963,"channel":0,"num_words":2,"start":1323.39,"end":1324.05},{"sentences":[{"text":"Yes.","start":1323.9601,"end":1324.4601,"sentiment":"neutral","sentiment_score":0.09096681326627731}],"sentiment":"neutral","sentiment_score":0.09096681326627731,"channel":1,"num_words":1,"start":1323.9601,"end":1324.4601},{"sentences":[{"text":"Yeah?","start":1325.39,"end":1325.87,"sentiment":"neutral","sentiment_score":0.10845485329627992},{"text":"Okay.","start":1325.87,"end":1326.37,"sentiment":"neutral","sentiment_score":0.20944230258464813},{"text":"Perfect.","start":1326.51,"end":1327.01,"sentiment":"positive","sentiment_score":0.4534311890602112}],"sentiment":"neutral","sentiment_score":0.2571094483137131,"channel":0,"num_words":3,"start":1325.39,"end":1327.01},{"sentences":[{"text":"Yep.","start":1327.0801,"end":1327.5801,"sentiment":"neutral","sentiment_score":0.2606423795223236}],"sentiment":"neutral","sentiment_score":0.2606423795223236,"channel":1,"num_words":1,"start":1327.0801,"end":1327.5801},{"sentences":[{"text":"Now it will take me about a week to put that together for you.","start":1328.91,"end":1333.65,"sentiment":"neutral","sentiment_score":0.24075973353215627},{"text":"Do you know what your schedule is like next week at all?","start":1333.9451,"end":1338.2051,"sentiment":"neutral","sentiment_score":0.10578653899331887}],"sentiment":"neutral","sentiment_score":0.1784644129757698,"channel":0,"num_words":26,"start":1328.91,"end":1338.2051},{"sentences":[{"text":"Mhmm.","start":1339.505,"end":1339.585,"sentiment":"neutral","sentiment_score":0.08969469368457794},{"text":"I'm pretty free, actually.","start":1339.585,"end":1341.105,"sentiment":"neutral","sentiment_score":0.17317484691739082},{"text":"It's some","start":1341.105,"end":1341.765,"sentiment":"neutral","sentiment_score":0.07884303294122219}],"sentiment":"neutral","sentiment_score":0.1342971638909408,"channel":1,"num_words":7,"start":1339.505,"end":1341.765},{"sentences":[{"text":"Yeah?","start":1342.105,"end":1342.5851,"sentiment":"neutral","sentiment_score":0.051498617976903915}],"sentiment":"neutral","sentiment_score":0.051498617976903915,"channel":0,"num_words":1,"start":1342.105,"end":1342.5851},{"sentences":[{"text":"I'm on","start":1342.385,"end":1342.705,"sentiment":"neutral","sentiment_score":0.04887677542865276}],"sentiment":"neutral","sentiment_score":0.04887677542865276,"channel":1,"num_words":2,"start":1342.385,"end":1342.705},{"sentences":[{"text":"Okay.","start":1342.5851,"end":1343.0851,"sentiment":"neutral","sentiment_score":0.05980224162340164}],"sentiment":"neutral","sentiment_score":0.05980224162340164,"channel":0,"num_words":1,"start":1342.5851,"end":1343.0851},{"sentences":[{"text":"holidays.","start":1342.705,"end":1343.205,"sentiment":"neutral","sentiment_score":0.0950913280248642},{"text":"So","start":1343.505,"end":1343.665,"sentiment":"neutral","sentiment_score":0.15937703847885132}],"sentiment":"neutral","sentiment_score":0.12723418325185776,"channel":1,"num_words":2,"start":1342.705,"end":1343.665},{"sentences":[{"text":"Ah, lovely.","start":1343.865,"end":1344.8451,"sentiment":"positive","sentiment_score":0.3461054861545563}],"sentiment":"positive","sentiment_score":0.3461054861545563,"channel":0,"num_words":2,"start":1343.865,"end":1344.8451},{"sentences":[{"text":"yeah.","start":1345.08,"end":1345.58,"sentiment":"neutral","sentiment_score":0.1930632442235947}],"sentiment":"neutral","sentiment_score":0.1930632442235947,"channel":1,"num_words":1,"start":1345.08,"end":1345.58},{"sentences":[{"text":"Now","start":1346.745,"end":1346.985,"sentiment":"neutral","sentiment_score":0.09103340655565262}],"sentiment":"neutral","sentiment_score":0.09103340655565262,"channel":0,"num_words":1,"start":1346.745,"end":1346.985},{"sentences":[{"text":"What","start":1346.84,"end":1347.0,"sentiment":"neutral","sentiment_score":0.05932977795600891}],"sentiment":"neutral","sentiment_score":0.05932977795600891,"channel":1,"num_words":1,"start":1346.84,"end":1347.0},{"sentences":[{"text":"let","start":1346.985,"end":1347.145,"sentiment":"neutral","sentiment_score":0.06843985617160797}],"sentiment":"neutral","sentiment_score":0.06843985617160797,"channel":0,"num_words":1,"start":1346.985,"end":1347.145},{"sentences":[{"text":"sort","start":1347.0,"end":1347.24,"sentiment":"neutral","sentiment_score":0.072938933968544}],"sentiment":"neutral","sentiment_score":0.072938933968544,"channel":1,"num_words":1,"start":1347.0,"end":1347.24},{"sentences":[{"text":"me","start":1347.145,"end":1347.305,"sentiment":"neutral","sentiment_score":0.07071565091609955}],"sentiment":"neutral","sentiment_score":0.07071565091609955,"channel":0,"num_words":1,"start":1347.145,"end":1347.305},{"sentences":[{"text":"of","start":1347.24,"end":1347.4,"sentiment":"neutral","sentiment_score":0.05176539719104767}],"sentiment":"neutral","sentiment_score":0.05176539719104767,"channel":1,"num_words":1,"start":1347.24,"end":1347.4},{"sentences":[{"text":"have","start":1347.305,"end":1347.4651,"sentiment":"neutral","sentiment_score":0.04970959201455116}],"sentiment":"neutral","sentiment_score":0.04970959201455116,"channel":0,"num_words":1,"start":1347.305,"end":1347.4651},{"sentences":[{"text":"holidays?","start":1347.4,"end":1347.9,"sentiment":"neutral","sentiment_score":0.07093194127082825}],"sentiment":"neutral","sentiment_score":0.07093194127082825,"channel":1,"num_words":1,"start":1347.4,"end":1347.9},{"sentences":[{"text":"a look.","start":1347.4651,"end":1348.125,"sentiment":"neutral","sentiment_score":0.07277706265449524},{"text":"Now let me have do you normally prefer mornings or afternoons or around kind of lunchtime?","start":1350.54,"end":1355.6,"sentiment":"neutral","sentiment_score":0.10395448748022318}],"sentiment":"neutral","sentiment_score":0.1004903291662534,"channel":0,"num_words":18,"start":1347.4651,"end":1355.6},{"sentences":[{"text":"Probably midmorning at the","start":1357.24,"end":1359.6449,"sentiment":"neutral","sentiment_score":0.09388741478323936}],"sentiment":"neutral","sentiment_score":0.09388741478323936,"channel":1,"num_words":4,"start":1357.24,"end":1359.6449},{"sentences":[{"text":"Midmorning?","start":1359.58,"end":1360.08,"sentiment":"neutral","sentiment_score":0.09961410611867905}],"sentiment":"neutral","sentiment_score":0.09961410611867905,"channel":0,"num_words":1,"start":1359.58,"end":1360.08},{"sentences":[{"text":"same time.","start":1359.6449,"end":1360.385,"sentiment":"neutral","sentiment_score":0.07091629132628441}],"sentiment":"neutral","sentiment_score":0.07091629132628441,"channel":1,"num_words":2,"start":1359.6449,"end":1360.385},{"sentences":[{"text":"Okay.","start":1360.855,"end":1361.355,"sentiment":"neutral","sentiment_score":0.08017191290855408}],"sentiment":"neutral","sentiment_score":0.08017191290855408,"channel":0,"num_words":1,"start":1360.855,"end":1361.355},{"sentences":[{"text":"Yeah.","start":1361.245,"end":1361.745,"sentiment":"neutral","sentiment_score":0.08037549257278442}],"sentiment":"neutral","sentiment_score":0.08037549257278442,"channel":1,"num_words":1,"start":1361.245,"end":1361.745},{"sentences":[{"text":"So at the moment, I have availability.","start":1361.735,"end":1365.195,"sentiment":"neutral","sentiment_score":0.06999525214944567},{"text":"So on Wednesday, the twenty second, I","start":1365.495,"end":1369.735,"sentiment":"neutral","sentiment_score":0.02934196245457445}],"sentiment":"neutral","sentiment_score":0.04966860730201006,"channel":0,"num_words":14,"start":1361.735,"end":1369.735},{"sentences":[{"text":"Mhmm.","start":1369.565,"end":1370.065,"sentiment":"neutral","sentiment_score":0.020891565829515457}],"sentiment":"neutral","sentiment_score":0.020891565829515457,"channel":1,"num_words":1,"start":1369.565,"end":1370.065},{"sentences":[{"text":"could do either at 12PM or I could do 09:30.","start":1369.735,"end":1378.67,"sentiment":"neutral","sentiment_score":0.016837357170879842},{"text":"Otherwise, Thursday the twenty third, I could do 11AM","start":1380.0901,"end":1384.5701,"sentiment":"neutral","sentiment_score":0.015798432442049187}],"sentiment":"neutral","sentiment_score":0.016345234930907424,"channel":0,"num_words":19,"start":1369.735,"end":1384.5701},{"sentences":[{"text":"Yep.","start":1384.39,"end":1384.89,"sentiment":"neutral","sentiment_score":0.01898050680756569}],"sentiment":"neutral","sentiment_score":0.01898050680756569,"channel":1,"num_words":1,"start":1384.39,"end":1384.89},{"sentences":[{"text":"again.","start":1384.5701,"end":1385.0701,"sentiment":"neutral","sentiment_score":0.015666930004954338}],"sentiment":"neutral","sentiment_score":0.015666930004954338,"channel":0,"num_words":1,"start":1384.5701,"end":1385.0701},{"sentences":[{"text":"Oh, we're about to add 09:30.","start":1385.5901,"end":1387.13,"sentiment":"neutral","sentiment_score":0.018233996505538624}],"sentiment":"neutral","sentiment_score":0.018233996505538624,"channel":1,"num_words":6,"start":1385.5901,"end":1387.13},{"sentences":[{"text":"09:30?","start":1387.5449,"end":1388.2849,"sentiment":"neutral","sentiment_score":0.017710136249661446},{"text":"Alright.","start":1388.345,"end":1388.745,"sentiment":"neutral","sentiment_score":0.25137123465538025},{"text":"Perfect.","start":1388.745,"end":1389.245,"sentiment":"positive","sentiment_score":0.48435449600219727},{"text":"Well, I will yeah?","start":1389.3849,"end":1392.9249,"sentiment":"neutral","sentiment_score":0.1570868194103241},{"text":"09:30","start":1393.225,"end":1393.7849,"sentiment":"neutral","sentiment_score":0.03852314502000809}],"sentiment":"neutral","sentiment_score":0.17753828619606793,"channel":0,"num_words":8,"start":1387.5449,"end":1393.7849},{"sentences":[{"text":"Yep.","start":1393.545,"end":1394.025,"sentiment":"neutral","sentiment_score":0.03164571523666382}],"sentiment":"neutral","sentiment_score":0.03164571523666382,"channel":1,"num_words":1,"start":1393.545,"end":1394.025},{"sentences":[{"text":"on Wednesday?","start":1393.7849,"end":1394.445,"sentiment":"neutral","sentiment_score":0.02371887071058154}],"sentiment":"neutral","sentiment_score":0.02371887071058154,"channel":0,"num_words":2,"start":1393.7849,"end":1394.445},{"sentences":[{"text":"Yeah.","start":1394.025,"end":1394.185,"sentiment":"neutral","sentiment_score":0.08051088452339172},{"text":"Yep.","start":1394.185,"end":1394.685,"sentiment":"neutral","sentiment_score":0.0951087325811386}],"sentiment":"neutral","sentiment_score":0.08780980855226517,"channel":1,"num_words":2,"start":1394.025,"end":1394.685},{"sentences":[{"text":"Yep.","start":1394.985,"end":1395.3049,"sentiment":"neutral","sentiment_score":0.12624093890190125},{"text":"Okay.","start":1395.3049,"end":1395.705,"sentiment":"neutral","sentiment_score":0.27639153599739075},{"text":"Perfect.","start":1395.705,"end":1396.205,"sentiment":"positive","sentiment_score":0.5655220746994019}],"sentiment":"neutral","sentiment_score":0.32271818319956463,"channel":0,"num_words":3,"start":1394.985,"end":1396.205},{"sentences":[{"text":"Yep.","start":1396.025,"end":1396.525,"sentiment":"positive","sentiment_score":0.3377067744731903}],"sentiment":"positive","sentiment_score":0.3377067744731903,"channel":1,"num_words":1,"start":1396.025,"end":1396.525},{"sentences":[{"text":"I will book that in for you, Peter.","start":1396.825,"end":1399.465,"sentiment":"positive","sentiment_score":0.4310061074793339},{"text":"If anything does change, if you change any of your plans and you can't make it, just let me know, and I will we can see if we can get that rescheduled for you.","start":1399.465,"end":1411.1101,"sentiment":"neutral","sentiment_score":0.11507576583501171}],"sentiment":"neutral","sentiment_score":0.17525297376726354,"channel":0,"num_words":42,"start":1396.825,"end":1411.1101},{"sentences":[{"text":"Okay.","start":1412.22,"end":1412.72,"sentiment":"neutral","sentiment_score":0.08555391430854797}],"sentiment":"neutral","sentiment_score":0.08555391430854797,"channel":1,"num_words":1,"start":1412.22,"end":1412.72},{"sentences":[{"text":"Now the last thing I do wanna let you know as well is that I have sent you an email with some documents.","start":1413.81,"end":1419.375,"sentiment":"neutral","sentiment_score":0.07032662840641063},{"text":"Now, obviously, as you're driving, please don't get it up.","start":1419.435,"end":1422.155,"sentiment":"neutral","sentiment_score":-0.22191960141062736},{"text":"It wouldn't be safe to do so.","start":1422.155,"end":1423.8351,"sentiment":"neutral","sentiment_score":-0.3051641285419464},{"text":"So later when you are not driving and when you have a bit of time, just have a look through them and let me know if you have any questions.","start":1423.8351,"end":1432.655,"sentiment":"neutral","sentiment_score":0.005784373357892036},{"text":"But, basically, what I have sent you is a summary of your superannuation.","start":1433.4299,"end":1439.5299,"sentiment":"neutral","sentiment_score":0.16072557408076066}],"sentiment":"neutral","sentiment_score":-0.005721310804407281,"channel":0,"num_words":83,"start":1413.81,"end":1439.5299},{"sentences":[{"text":"So it does show you your current superannuation with hub twenty four and","start":1440.71,"end":1446.315,"sentiment":"neutral","sentiment_score":0.20342963016950166}],"sentiment":"neutral","sentiment_score":0.20342963016950166,"channel":0,"num_words":13,"start":1440.71,"end":1446.315},{"sentences":[{"text":"Yep.","start":1446.26,"end":1446.76,"sentiment":"neutral","sentiment_score":0.15525346994400024}],"sentiment":"neutral","sentiment_score":0.15525346994400024,"channel":1,"num_words":1,"start":1446.26,"end":1446.76},{"sentences":[{"text":"that your current balance is about 258,556.","start":1446.315,"end":1452.1749,"sentiment":"neutral","sentiment_score":0.10555431778941836}],"sentiment":"neutral","sentiment_score":0.10555431778941836,"channel":0,"num_words":7,"start":1446.315,"end":1452.1749},{"sentences":[{"text":"Not","start":1453.005,"end":1453.165,"sentiment":"neutral","sentiment_score":0.05386347323656082}],"sentiment":"neutral","sentiment_score":0.05386347323656082,"channel":1,"num_words":1,"start":1453.005,"end":1453.165},{"sentences":[{"text":"Now","start":1453.0349,"end":1453.5349,"sentiment":"neutral","sentiment_score":0.012644767761230469}],"sentiment":"neutral","sentiment_score":0.012644767761230469,"channel":0,"num_words":1,"start":1453.0349,"end":1453.5349},{"sentences":[{"text":"at","start":1453.165,"end":1453.665,"sentiment":"neutral","sentiment_score":0.007179830223321915}],"sentiment":"neutral","sentiment_score":0.007179830223321915,"channel":1,"num_words":1,"start":1453.165,"end":1453.665},{"sentences":[{"text":"it also shows you a performance report.","start":1454.235,"end":1457.135,"sentiment":"neutral","sentiment_score":0.027754422277212143},{"text":"So it shows you kind of how your investments have performed in the last twelve months.","start":1457.275,"end":1462.5499,"sentiment":"neutral","sentiment_score":0.09401163272559643},{"text":"And now I'm sure you've obviously heard on on the news the bit of fluctuations we have had in the last twelve months.","start":1463.49,"end":1469.4099,"sentiment":"neutral","sentiment_score":0.007094144335259562},{"text":"So, obviously, first with US and then Trump and tariffs and everything saw a bit of movement.","start":1469.4099,"end":1474.5499,"sentiment":"neutral","sentiment_score":0.005195627098574358},{"text":"And, obviously, more recently with the war as well, we have seen a bit of movement.","start":1474.845,"end":1479.6649,"sentiment":"neutral","sentiment_score":0.02251900127157569}],"sentiment":"neutral","sentiment_score":0.02924382380103763,"channel":0,"num_words":79,"start":1454.235,"end":1479.6649},{"sentences":[{"text":"Now in saying that, though, and this is all after fees.","start":1480.765,"end":1484.0449,"sentiment":"neutral","sentiment_score":-0.0025735334916548295},{"text":"So after all fees have been deducted from your account, your portfolio has still, you know, gone up in the last twelve months, which is good given what has happened.","start":1484.0449,"end":1493.02,"sentiment":"neutral","sentiment_score":0.24292517652114232},{"text":"The last twelve months,","start":1493.9601,"end":1495.0801,"sentiment":"neutral","sentiment_score":0.1513971257954836}],"sentiment":"neutral","sentiment_score":0.1747785540090667,"channel":0,"num_words":45,"start":1480.765,"end":1495.0801},{"sentences":[{"text":"Mhmm.","start":1494.78,"end":1495.28,"sentiment":"neutral","sentiment_score":0.17658136785030365}],"sentiment":"neutral","sentiment_score":0.17658136785030365,"channel":1,"num_words":1,"start":1494.78,"end":1495.28},{"sentences":[{"text":"it's about 5.35%.","start":1495.0801,"end":1497.8201,"sentiment":"neutral","sentiment_score":0.2097142587105433},{"text":"Now that also attributes to the fact that you are in a growth portfolio, so you can see more fluctuations when there are more volatility in the market.","start":1498.52,"end":1507.295,"sentiment":"neutral","sentiment_score":0.13454267382621765},{"text":"So","start":1508.0751,"end":1508.5751,"sentiment":"neutral","sentiment_score":0.03242125362157822}],"sentiment":"neutral","sentiment_score":0.1383987155277282,"channel":0,"num_words":32,"start":1495.0801,"end":1508.5751},{"sentences":[{"text":"Mhmm.","start":1508.515,"end":1509.015,"sentiment":"neutral","sentiment_score":0.0023236433044075966}],"sentiment":"neutral","sentiment_score":0.0023236433044075966,"channel":1,"num_words":1,"start":1508.515,"end":1509.015},{"sentences":[{"text":"like I said, I will do a bit more in-depth on the difference between your your growth and your balance growth and also deep diving into some of those investments to see if there's potentially some we wanna change out for","start":1508.795,"end":1522.7699,"sentiment":"neutral","sentiment_score":0.07498287264166809}],"sentiment":"neutral","sentiment_score":0.07498287264166809,"channel":0,"num_words":41,"start":1508.795,"end":1522.7699},{"sentences":[{"text":"Yep.","start":1522.62,"end":1523.12,"sentiment":"neutral","sentiment_score":0.06024986505508423}],"sentiment":"neutral","sentiment_score":0.06024986505508423,"channel":1,"num_words":1,"start":1522.62,"end":1523.12},{"sentences":[{"text":"some other ones for you.","start":1522.7699,"end":1524.1499,"sentiment":"neutral","sentiment_score":0.05475789904594421}],"sentiment":"neutral","sentiment_score":0.05475789904594421,"channel":0,"num_words":5,"start":1522.7699,"end":1524.1499},{"sentences":[{"text":"Mhmm.","start":1524.7,"end":1525.2,"sentiment":"neutral","sentiment_score":0.053373049944639206}],"sentiment":"neutral","sentiment_score":0.053373049944639206,"channel":1,"num_words":1,"start":1524.7,"end":1525.2},{"sentences":[{"text":"Now what you will also see is an OQ services guide.","start":1525.73,"end":1529.785,"sentiment":"neutral","sentiment_score":0.0716911456124349},{"text":"Now you probably would have seen this a couple of times before.","start":1529.785,"end":1532.425,"sentiment":"neutral","sentiment_score":0.08675085939466953},{"text":"It is one of those compliance documents, but it does give you all the important information in regards to us here at OQ.","start":1532.425,"end":1539.305,"sentiment":"neutral","sentiment_score":0.154942254981269},{"text":"So when you have a moment, just have a read through it.","start":1539.305,"end":1542.06,"sentiment":"neutral","sentiment_score":0.16213121948142847},{"text":"None of the important information has changed, but we've had a bit of an extension to the team, which is nice, and also a bit of an update marketing.","start":1542.54,"end":1551.04,"sentiment":"positive","sentiment_score":0.3426948595663597}],"sentiment":"neutral","sentiment_score":0.19858632574992618,"channel":0,"num_words":87,"start":1525.73,"end":1551.04},{"sentences":[{"text":"If you do wanna have a read over it, you will actually see myself on page 10 if you do wanna put a face to the voice as well.","start":1551.18,"end":1558.895,"sentiment":"neutral","sentiment_score":0.20090468767388114}],"sentiment":"neutral","sentiment_score":0.20090468767388114,"channel":0,"num_words":29,"start":1551.18,"end":1558.895},{"sentences":[{"text":"Mhmm.","start":1559.205,"end":1559.705,"sentiment":"neutral","sentiment_score":0.1063663884997368}],"sentiment":"neutral","sentiment_score":0.1063663884997368,"channel":1,"num_words":1,"start":1559.205,"end":1559.705},{"sentences":[{"text":"And then the last two documents, it will ask you to add a signature if you are happy to do so.","start":1561.195,"end":1567.2949,"sentiment":"neutral","sentiment_score":0.13189724442504702},{"text":"Now one is a tax fund number form.","start":1567.4349,"end":1570.495,"sentiment":"neutral","sentiment_score":0.20603537186980247},{"text":"It basically just says that we are keeping your tax fund number secure and safe on-site.","start":1570.9601,"end":1576.18,"sentiment":"neutral","sentiment_score":0.297203429043293},{"text":"The other one is your ongoing service agreement.","start":1578.16,"end":1582.18,"sentiment":"neutral","sentiment_score":0.19546615704894066},{"text":"So this is the one to say that you are happy to stay on as a client.","start":1582.64,"end":1586.865,"sentiment":"positive","sentiment_score":0.4900236778399524}],"sentiment":"neutral","sentiment_score":0.2723930250321116,"channel":0,"num_words":70,"start":1561.195,"end":1586.865},{"sentences":[{"text":"Now, Peter, there is no changes whatsoever in regards to the fee structure.","start":1587.565,"end":1591.8049,"sentiment":"neutral","sentiment_score":0.05241729519688166},{"text":"So it hasn't increased","start":1591.8049,"end":1592.845,"sentiment":"neutral","sentiment_score":0.08427979703992605}],"sentiment":"neutral","sentiment_score":0.05991435445406858,"channel":0,"num_words":17,"start":1587.565,"end":1592.845},{"sentences":[{"text":"Yep.","start":1592.635,"end":1593.135,"sentiment":"neutral","sentiment_score":0.047422509640455246}],"sentiment":"neutral","sentiment_score":0.047422509640455246,"channel":1,"num_words":1,"start":1592.635,"end":1593.135},{"sentences":[{"text":"or anything like that.","start":1592.845,"end":1593.725,"sentiment":"neutral","sentiment_score":0.06617725361138582},{"text":"It stays exactly the same at 1.65 from superannuation, and it is not a lock in contract.","start":1593.725,"end":1601.5499,"sentiment":"neutral","sentiment_score":0.13461604714393616},{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":1601.69,"end":1606.4299,"sentiment":"neutral","sentiment_score":0.015334516970647706},{"text":"But by signing this, otherwise, it allows us to manage all your investments and everything for you in the meantime.","start":1606.97,"end":1612.75,"sentiment":"neutral","sentiment_score":0.27710721343755723},{"text":"Does that make sense?","start":1612.97,"end":1614.11,"sentiment":"neutral","sentiment_score":0.15906421840190887}],"sentiment":"neutral","sentiment_score":0.142977845455919,"channel":0,"num_words":63,"start":1592.845,"end":1614.11},{"sentences":[{"text":"Yep.","start":1613.7201,"end":1614.2201,"sentiment":"neutral","sentiment_score":0.16974544525146484}],"sentiment":"neutral","sentiment_score":0.16974544525146484,"channel":1,"num_words":1,"start":1613.7201,"end":1614.2201},{"sentences":[{"text":"Yep.","start":1614.6649,"end":1615.065,"sentiment":"neutral","sentiment_score":0.2017812728881836}],"sentiment":"neutral","sentiment_score":0.2017812728881836,"channel":0,"num_words":1,"start":1614.6649,"end":1615.065},{"sentences":[{"text":"Yep.","start":1614.68,"end":1615.18,"sentiment":"positive","sentiment_score":0.374316930770874}],"sentiment":"positive","sentiment_score":0.374316930770874,"channel":1,"num_words":1,"start":1614.68,"end":1615.18},{"sentences":[{"text":"Perfect.","start":1615.065,"end":1615.565,"sentiment":"positive","sentiment_score":0.6204574108123779},{"text":"And it's not like a one off fee that comes out of your account once a year either.","start":1616.585,"end":1621.225,"sentiment":"neutral","sentiment_score":0.2324952772921986},{"text":"It is just deducted month monthly to give you that flexibility as well.","start":1621.225,"end":1625.325,"sentiment":"neutral","sentiment_score":0.2768122313114313}],"sentiment":"neutral","sentiment_score":0.2626228565350175,"channel":0,"num_words":32,"start":1615.065,"end":1625.325},{"sentences":[{"text":"Mhmm.","start":1626.135,"end":1626.635,"sentiment":"neutral","sentiment_score":0.10891544818878174}],"sentiment":"neutral","sentiment_score":0.10891544818878174,"channel":1,"num_words":1,"start":1626.135,"end":1626.635},{"sentences":[{"text":"Yep.","start":1626.92,"end":1627.42,"sentiment":"neutral","sentiment_score":0.10694140195846558},{"text":"Now do you have questions in regards to anything I have gone through today?","start":1628.44,"end":1632.14,"sentiment":"neutral","sentiment_score":0.08397583716682025}],"sentiment":"neutral","sentiment_score":0.08550687481959661,"channel":0,"num_words":15,"start":1626.92,"end":1632.14},{"sentences":[{"text":"No.","start":1633.48,"end":1633.88,"sentiment":"neutral","sentiment_score":0.022946370765566822},{"text":"Yeah.","start":1633.88,"end":1634.38,"sentiment":"neutral","sentiment_score":0.030408047139644623},{"text":"From retirement.","start":1635.56,"end":1636.14,"sentiment":"neutral","sentiment_score":0.04604285582900047},{"text":"So we don't have to, like, disclose the super account.","start":1638.12,"end":1641.8,"sentiment":"neutral","sentiment_score":0.07980699203908444},{"text":"We can take, like, weekly wage or monthly wage out of pool.","start":1641.8,"end":1646.3,"sentiment":"neutral","sentiment_score":0.08415489209194978}],"sentiment":"neutral","sentiment_score":0.07512956750220977,"channel":1,"num_words":26,"start":1633.48,"end":1646.3},{"sentences":[{"text":"Is","start":1647.4551,"end":1647.615,"sentiment":"neutral","sentiment_score":0.020465001463890076}],"sentiment":"neutral","sentiment_score":0.020465001463890076,"channel":1,"num_words":1,"start":1647.4551,"end":1647.615},{"sentences":[{"text":"For","start":1647.575,"end":1648.075,"sentiment":"neutral","sentiment_score":0.016451723873615265}],"sentiment":"neutral","sentiment_score":0.016451723873615265,"channel":0,"num_words":1,"start":1647.575,"end":1648.075},{"sentences":[{"text":"that the way","start":1647.615,"end":1648.735,"sentiment":"neutral","sentiment_score":0.03546079869071642}],"sentiment":"neutral","sentiment_score":0.03546079869071642,"channel":1,"num_words":3,"start":1647.615,"end":1648.735},{"sentences":[{"text":"age","start":1648.695,"end":1648.935,"sentiment":"neutral","sentiment_score":0.04640617594122887}],"sentiment":"neutral","sentiment_score":0.04640617594122887,"channel":0,"num_words":1,"start":1648.695,"end":1648.935},{"sentences":[{"text":"it goes?","start":1648.735,"end":1649.395,"sentiment":"neutral","sentiment_score":0.039159221574664116}],"sentiment":"neutral","sentiment_score":0.039159221574664116,"channel":1,"num_words":2,"start":1648.735,"end":1649.395},{"sentences":[{"text":"pension, do you mean?","start":1648.935,"end":1650.235,"sentiment":"neutral","sentiment_score":0.020676917862147093}],"sentiment":"neutral","sentiment_score":0.020676917862147093,"channel":0,"num_words":4,"start":1648.935,"end":1650.235},{"sentences":[{"text":"Yeah.","start":1651.4551,"end":1651.775,"sentiment":"neutral","sentiment_score":0.026436084881424904},{"text":"No.","start":1651.775,"end":1652.275,"sentiment":"neutral","sentiment_score":-0.21828097105026245},{"text":"Like, taking money out of your super, we're we don't have to","start":1652.415,"end":1658.8301,"sentiment":"neutral","sentiment_score":-0.13780173348883787}],"sentiment":"neutral","sentiment_score":-0.131818977716778,"channel":1,"num_words":14,"start":1651.4551,"end":1658.8301},{"sentences":[{"text":"Mhmm.","start":1658.71,"end":1659.21,"sentiment":"neutral","sentiment_score":-0.14749112725257874}],"sentiment":"neutral","sentiment_score":-0.14749112725257874,"channel":0,"num_words":1,"start":1658.71,"end":1659.21},{"sentences":[{"text":"take it all in one lump sum.","start":1658.8301,"end":1660.8501,"sentiment":"neutral","sentiment_score":-0.10854153441531318}],"sentiment":"neutral","sentiment_score":-0.10854153441531318,"channel":1,"num_words":7,"start":1658.8301,"end":1660.8501},{"sentences":[{"text":"No.","start":1660.9501,"end":1661.4501,"sentiment":"neutral","sentiment_score":-0.1914372742176056}],"sentiment":"neutral","sentiment_score":-0.1914372742176056,"channel":0,"num_words":1,"start":1660.9501,"end":1661.4501},{"sentences":[{"text":"Once you","start":1661.4701,"end":1661.87,"sentiment":"neutral","sentiment_score":-0.12001822143793106}],"sentiment":"neutral","sentiment_score":-0.12001822143793106,"channel":1,"num_words":2,"start":1661.4701,"end":1661.87},{"sentences":[{"text":"Sorry.","start":1661.83,"end":1662.33,"sentiment":"neutral","sentiment_score":-0.1965654343366623}],"sentiment":"neutral","sentiment_score":-0.1965654343366623,"channel":0,"num_words":1,"start":1661.83,"end":1662.33},{"sentences":[{"text":"retire, you can","start":1661.87,"end":1663.55,"sentiment":"neutral","sentiment_score":-0.19078838328520456}],"sentiment":"neutral","sentiment_score":-0.19078838328520456,"channel":1,"num_words":3,"start":1661.87,"end":1663.55},{"sentences":[{"text":"No.","start":1663.365,"end":1663.865,"sentiment":"negative","sentiment_score":-0.5525110960006714}],"sentiment":"negative","sentiment_score":-0.5525110960006714,"channel":0,"num_words":1,"start":1663.365,"end":1663.865},{"sentences":[{"text":"take it as a waste.","start":1663.55,"end":1664.61,"sentiment":"negative","sentiment_score":-0.6120582222938538}],"sentiment":"negative","sentiment_score":-0.6120582222938538,"channel":1,"num_words":5,"start":1663.55,"end":1664.61},{"sentences":[{"text":"Correct.","start":1665.125,"end":1665.625,"sentiment":"neutral","sentiment_score":-0.0011974014341831207},{"text":"Sorry.","start":1665.765,"end":1666.245,"sentiment":"neutral","sentiment_score":-0.06511697173118591},{"text":"The choice","start":1666.245,"end":1666.645,"sentiment":"neutral","sentiment_score":0.18072735518217087}],"sentiment":"neutral","sentiment_score":0.07378508429974318,"channel":0,"num_words":4,"start":1665.125,"end":1666.645},{"sentences":[{"text":"Yep.","start":1666.5901,"end":1667.0901,"sentiment":"neutral","sentiment_score":0.2523121237754822}],"sentiment":"neutral","sentiment_score":0.2523121237754822,"channel":1,"num_words":1,"start":1666.5901,"end":1667.0901},{"sentences":[{"text":"is completely up to you.","start":1666.645,"end":1668.0851,"sentiment":"positive","sentiment_score":0.35226433277130126},{"text":"Now if you decided","start":1668.0851,"end":1669.125,"sentiment":"neutral","sentiment_score":0.2677743211388588}],"sentiment":"neutral","sentiment_score":0.3147132164902157,"channel":0,"num_words":9,"start":1666.645,"end":1669.125},{"sentences":[{"text":"Yep.","start":1668.99,"end":1669.49,"sentiment":"neutral","sentiment_score":0.2300017327070236}],"sentiment":"neutral","sentiment_score":0.2300017327070236,"channel":1,"num_words":1,"start":1668.99,"end":1669.49},{"sentences":[{"text":"that you wanna retire today as you have turned 60, you could realistically take everything completely tax free.","start":1669.125,"end":1675.785,"sentiment":"neutral","sentiment_score":0.25803443127208286},{"text":"If you are still working, there are restrictions between 60 and 65.","start":1677.2001,"end":1682.5801,"sentiment":"neutral","sentiment_score":0.09822937070081632},{"text":"In that, you can take up to 10% tax free.","start":1682.9601,"end":1686.98,"sentiment":"neutral","sentiment_score":0.17657055482268333},{"text":"After 65, there is no restrictions on how much you can take out if you are still working.","start":1687.68,"end":1693.0751,"sentiment":"neutral","sentiment_score":0.10964506885243787},{"text":"But like I said, if you decide tomorrow to stop working, you can take everything.","start":1693.295,"end":1697.555,"sentiment":"neutral","sentiment_score":0.1755268707871437}],"sentiment":"neutral","sentiment_score":0.16706290494089257,"channel":0,"num_words":73,"start":1669.125,"end":1697.555},{"sentences":[{"text":"You can decide how you want to take it.","start":1698.0951,"end":1700.415,"sentiment":"positive","sentiment_score":0.3456242018275791},{"text":"You can take it all as a lump sum, or what most people do is to just draw an income.","start":1700.415,"end":1706.45,"sentiment":"neutral","sentiment_score":0.27613112404942514},{"text":"Because by drawing","start":1706.6699,"end":1707.5499,"sentiment":"positive","sentiment_score":0.33983271320660907}],"sentiment":"neutral","sentiment_score":0.3016480761580169,"channel":0,"num_words":32,"start":1698.0951,"end":1707.5499},{"sentences":[{"text":"Yep.","start":1707.495,"end":1707.995,"sentiment":"positive","sentiment_score":0.42017537355422974}],"sentiment":"positive","sentiment_score":0.42017537355422974,"channel":1,"num_words":1,"start":1707.495,"end":1707.995},{"sentences":[{"text":"an income, it gives you more, obviously, flexibility, but it also ensures that the rest of the money that you haven't taken out, instead of it being, like, in a in a cash account, it will continue to be invested and continue to grow.","start":1707.5499,"end":1720.955,"sentiment":"positive","sentiment_score":0.37268912487409334},{"text":"You can obviously","start":1721.4149,"end":1722.2949,"sentiment":"neutral","sentiment_score":0.14209782580534616}],"sentiment":"positive","sentiment_score":0.3579705313165137,"channel":0,"num_words":47,"start":1707.5499,"end":1722.2949},{"sentences":[{"text":"Yes.","start":1721.83,"end":1722.33,"sentiment":"neutral","sentiment_score":0.18444329500198364}],"sentiment":"neutral","sentiment_score":0.18444329500198364,"channel":1,"num_words":1,"start":1721.83,"end":1722.33},{"sentences":[{"text":"adjust how much you want to take out depending on your life situation and what is going on.","start":1722.2949,"end":1728.475,"sentiment":"neutral","sentiment_score":0.16459644585847855}],"sentiment":"neutral","sentiment_score":0.16459644585847855,"channel":0,"num_words":18,"start":1722.2949,"end":1728.475},{"sentences":[{"text":"Yep.","start":1730.805,"end":1731.125,"sentiment":"neutral","sentiment_score":0.10865728557109831},{"text":"That","start":1731.125,"end":1731.365,"sentiment":"neutral","sentiment_score":0.10699721425771712}],"sentiment":"neutral","sentiment_score":0.10782724991440772,"channel":1,"num_words":2,"start":1730.805,"end":1731.365},{"sentences":[{"text":"Yeah.","start":1731.35,"end":1731.6699,"sentiment":"neutral","sentiment_score":0.13831853866577148}],"sentiment":"neutral","sentiment_score":0.13831853866577148,"channel":0,"num_words":1,"start":1731.35,"end":1731.6699},{"sentences":[{"text":"that makes","start":1731.365,"end":1731.765,"sentiment":"neutral","sentiment_score":0.1550825908780098}],"sentiment":"neutral","sentiment_score":0.1550825908780098,"channel":1,"num_words":2,"start":1731.365,"end":1731.765},{"sentences":[{"text":"This","start":1731.6699,"end":1731.9099,"sentiment":"neutral","sentiment_score":0.1591051071882248}],"sentiment":"neutral","sentiment_score":0.1591051071882248,"channel":0,"num_words":1,"start":1731.6699,"end":1731.9099},{"sentences":[{"text":"sense.","start":1731.765,"end":1732.265,"sentiment":"neutral","sentiment_score":0.1482870876789093}],"sentiment":"neutral","sentiment_score":0.1482870876789093,"channel":1,"num_words":1,"start":1731.765,"end":1732.265},{"sentences":[{"text":"yeah.","start":1732.47,"end":1732.97,"sentiment":"neutral","sentiment_score":0.08210219442844391}],"sentiment":"neutral","sentiment_score":0.08210219442844391,"channel":0,"num_words":1,"start":1732.47,"end":1732.97},{"sentences":[{"text":"So the other other question that was just","start":1733.925,"end":1736.805,"sentiment":"neutral","sentiment_score":0.032839964143931866}],"sentiment":"neutral","sentiment_score":0.032839964143931866,"channel":1,"num_words":8,"start":1733.925,"end":1736.805},{"sentences":[{"text":"Mhmm.","start":1736.5499,"end":1737.0499,"sentiment":"neutral","sentiment_score":0.007093226537108421}],"sentiment":"neutral","sentiment_score":0.007093226537108421,"channel":0,"num_words":1,"start":1736.5499,"end":1737.0499},{"sentences":[{"text":"thrown around in my head was, well, my wife never had an iSuper account before, and now she's and and I've got a super.","start":1736.805,"end":1744.89,"sentiment":"neutral","sentiment_score":0.013183550365890065}],"sentiment":"neutral","sentiment_score":0.013183550365890065,"channel":1,"num_words":24,"start":1736.805,"end":1744.89},{"sentences":[{"text":"Mhmm.","start":1745.525,"end":1746.025,"sentiment":"neutral","sentiment_score":-0.0010138154029846191}],"sentiment":"neutral","sentiment_score":-0.0010138154029846191,"channel":0,"num_words":1,"start":1745.525,"end":1746.025},{"sentences":[{"text":"I don't know whether it's right or wrong, but someone's told me about not so much combining so it's all in mind, but putting them together type thing.","start":1747.3501,"end":1757.025,"sentiment":"neutral","sentiment_score":-0.0309053042105266}],"sentiment":"neutral","sentiment_score":-0.0309053042105266,"channel":1,"num_words":28,"start":1747.3501,"end":1757.025},{"sentences":[{"text":"Mhmm.","start":1757.94,"end":1758.44,"sentiment":"neutral","sentiment_score":0.000765698030591011}],"sentiment":"neutral","sentiment_score":0.000765698030591011,"channel":0,"num_words":1,"start":1757.94,"end":1758.44},{"sentences":[{"text":"I don't know how it works.","start":1758.0651,"end":1759.285,"sentiment":"neutral","sentiment_score":-0.04315884100894133},{"text":"Is there","start":1759.505,"end":1760.165,"sentiment":"neutral","sentiment_score":0.01174201536923647}],"sentiment":"neutral","sentiment_score":-0.029433626914396882,"channel":1,"num_words":8,"start":1758.0651,"end":1760.165},{"sentences":[{"text":"Yeah.","start":1760.1,"end":1760.6,"sentiment":"neutral","sentiment_score":0.024606529623270035}],"sentiment":"neutral","sentiment_score":0.024606529623270035,"channel":0,"num_words":1,"start":1760.1,"end":1760.6},{"sentences":[{"text":"something in that way?","start":1760.225,"end":1761.525,"sentiment":"neutral","sentiment_score":0.022309728432446718}],"sentiment":"neutral","sentiment_score":0.022309728432446718,"channel":1,"num_words":4,"start":1760.225,"end":1761.525},{"sentences":[{"text":"Yes and no.","start":1762.98,"end":1764.12,"sentiment":"neutral","sentiment_score":-0.007686129460732142},{"text":"Not typically because it is designed to provide for each of your retirement.","start":1764.66,"end":1771.705,"sentiment":"neutral","sentiment_score":-0.03282133719095817},{"text":"Now if you wanted","start":1772.4049,"end":1774.105,"sentiment":"neutral","sentiment_score":0.06970301829278469}],"sentiment":"neutral","sentiment_score":-0.008546184934675693,"channel":0,"num_words":20,"start":1762.98,"end":1774.105},{"sentences":[{"text":"Yeah.","start":1773.85,"end":1774.35,"sentiment":"neutral","sentiment_score":0.0784677267074585}],"sentiment":"neutral","sentiment_score":0.0784677267074585,"channel":1,"num_words":1,"start":1773.85,"end":1774.35},{"sentences":[{"text":"1com combined super fund, the only way to do that is through a self managed super fund, because then you can have","start":1774.245,"end":1782.4199,"sentiment":"neutral","sentiment_score":0.09861781651323492}],"sentiment":"neutral","sentiment_score":0.09861781651323492,"channel":0,"num_words":22,"start":1774.245,"end":1782.4199},{"sentences":[{"text":"No.","start":1782.345,"end":1782.745,"sentiment":"neutral","sentiment_score":0.006116259843111038}],"sentiment":"neutral","sentiment_score":0.006116259843111038,"channel":1,"num_words":1,"start":1782.345,"end":1782.745},{"sentences":[{"text":"two trustees.","start":1782.4199,"end":1783.24,"sentiment":"neutral","sentiment_score":0.0023631546646356583}],"sentiment":"neutral","sentiment_score":0.0023631546646356583,"channel":0,"num_words":2,"start":1782.4199,"end":1783.24},{"sentences":[{"text":"That's right.","start":1782.745,"end":1783.485,"sentiment":"neutral","sentiment_score":0.11339778453111649}],"sentiment":"neutral","sentiment_score":0.11339778453111649,"channel":1,"num_words":2,"start":1782.745,"end":1783.485},{"sentences":[{"text":"So yeah.","start":1783.46,"end":1784.36,"sentiment":"neutral","sentiment_score":0.04487659502774477},{"text":"There is ways where you can move money.","start":1785.38,"end":1788.6799,"sentiment":"neutral","sentiment_score":0.0974682318046689},{"text":"So let's say you could like, if Kathy decides, obviously, she would have to keep her own super fund, but she could transfer money to you and vice versa through different spousal contributions.","start":1788.98,"end":1800.705,"sentiment":"neutral","sentiment_score":0.06833518409367764},{"text":"But there's obviously a lot to kind of factor in whether that would be the best for the two of you.","start":1801.405,"end":1807.665,"sentiment":"neutral","sentiment_score":0.0731984634129774}],"sentiment":"neutral","sentiment_score":0.07283949767588638,"channel":0,"num_words":64,"start":1783.46,"end":1807.665},{"sentences":[{"text":"Yeah.","start":1808.24,"end":1808.64,"sentiment":"neutral","sentiment_score":0.015976928174495697},{"text":"No.","start":1808.64,"end":1809.04,"sentiment":"neutral","sentiment_score":-0.07121320813894272},{"text":"That was just something that I someone's mentioned.","start":1809.04,"end":1811.7949,"sentiment":"neutral","sentiment_score":-0.10515631549060345},{"text":"I didn't know how it worked.","start":1811.7949,"end":1813.1749,"sentiment":"neutral","sentiment_score":-0.15317379931608835},{"text":"It's","start":1813.635,"end":1814.135,"sentiment":"neutral","sentiment_score":-0.058987095952034}],"sentiment":"neutral","sentiment_score":-0.11026568798457875,"channel":1,"num_words":17,"start":1808.24,"end":1814.135},{"sentences":[{"text":"Yeah.","start":1814.0,"end":1814.5,"sentiment":"neutral","sentiment_score":-0.05436982214450836}],"sentiment":"neutral","sentiment_score":-0.05436982214450836,"channel":0,"num_words":1,"start":1814.0,"end":1814.5},{"sentences":[{"text":"it I don't wanna be taking control over a super or anything like that.","start":1814.915,"end":1818.195,"sentiment":"neutral","sentiment_score":-0.16293054020830564},{"text":"So it's good.","start":1818.195,"end":1819.015,"sentiment":"neutral","sentiment_score":0.29156047602494556}],"sentiment":"neutral","sentiment_score":-0.08272624322596718,"channel":1,"num_words":17,"start":1814.915,"end":1819.015},{"sentences":[{"text":"Yeah.","start":1818.9601,"end":1819.4601,"sentiment":"neutral","sentiment_score":0.15490809082984924},{"text":"Yeah.","start":1819.6001,"end":1820.1001,"sentiment":"neutral","sentiment_score":0.17689108848571777}],"sentiment":"neutral","sentiment_score":0.1658995896577835,"channel":0,"num_words":2,"start":1818.9601,"end":1820.1001},{"sentences":[{"text":"Oh, okay.","start":1819.875,"end":1820.4349,"sentiment":"neutral","sentiment_score":0.3256113529205322},{"text":"Thank you very much.","start":1820.4349,"end":1821.575,"sentiment":"positive","sentiment_score":0.6348041594028473},{"text":"Well, it's.","start":1822.275,"end":1823.015,"sentiment":"positive","sentiment_score":0.3426859676837921}],"sentiment":"positive","sentiment_score":0.48447640985250473,"channel":1,"num_words":8,"start":1819.875,"end":1823.015},{"sentences":[{"text":"Well, at least it's good, though, because you will get some money, obviously, by working.","start":1823.9951,"end":1828.0751,"sentiment":"positive","sentiment_score":0.4501969834168752},{"text":"Your employer will pay a little bit, which obviously will will help as well, which which is good.","start":1828.0751,"end":1833.775,"sentiment":"positive","sentiment_score":0.4587881449196074}],"sentiment":"positive","sentiment_score":0.4548830715092746,"channel":0,"num_words":33,"start":1823.9951,"end":1833.775},{"sentences":[{"text":"Yeah.","start":1833.96,"end":1834.28,"sentiment":"neutral","sentiment_score":0.06656701117753983},{"text":"Yeah.","start":1834.28,"end":1834.6799,"sentiment":"neutral","sentiment_score":0.0527041032910347},{"text":"Yeah.","start":1834.6799,"end":1835.1799,"sentiment":"neutral","sentiment_score":0.025508230552077293}],"sentiment":"neutral","sentiment_score":0.048259781673550606,"channel":1,"num_words":3,"start":1833.96,"end":1835.1799},{"sentences":[{"text":"But, yeah, it is a good question because a lot of people do ask.","start":1836.1901,"end":1839.0701,"sentiment":"neutral","sentiment_score":-0.00762595422565937},{"text":"But, yeah, unfortunately, because it's designed to obviously provide for your individual retirement.","start":1839.0701,"end":1844.77,"sentiment":"neutral","sentiment_score":-0.2538149861189035}],"sentiment":"neutral","sentiment_score":-0.12616141402611025,"channel":0,"num_words":27,"start":1836.1901,"end":1844.77},{"sentences":[{"text":"Yeah.","start":1844.905,"end":1845.405,"sentiment":"neutral","sentiment_score":-0.07644888013601303},{"text":"Yeah.","start":1845.545,"end":1846.045,"sentiment":"neutral","sentiment_score":-0.07013247907161713}],"sentiment":"neutral","sentiment_score":-0.07329067960381508,"channel":1,"num_words":2,"start":1844.905,"end":1846.045},{"sentences":[{"text":"Yeah.","start":1846.75,"end":1847.0701,"sentiment":"neutral","sentiment_score":-0.08753543347120285},{"text":"At least","start":1847.0701,"end":1847.4701,"sentiment":"neutral","sentiment_score":-0.14443541318178177}],"sentiment":"neutral","sentiment_score":-0.12546875327825546,"channel":0,"num_words":3,"start":1846.75,"end":1847.4701},{"sentences":[{"text":"It'd","start":1847.305,"end":1847.625,"sentiment":"neutral","sentiment_score":-0.1187404841184616}],"sentiment":"neutral","sentiment_score":-0.1187404841184616,"channel":1,"num_words":1,"start":1847.305,"end":1847.625},{"sentences":[{"text":"at the","start":1847.4701,"end":1847.7101,"sentiment":"neutral","sentiment_score":-0.14739940315485}],"sentiment":"neutral","sentiment_score":-0.14739940315485,"channel":0,"num_words":2,"start":1847.4701,"end":1847.7101},{"sentences":[{"text":"be","start":1847.625,"end":1847.865,"sentiment":"neutral","sentiment_score":-0.12013517320156096}],"sentiment":"neutral","sentiment_score":-0.12013517320156096,"channel":1,"num_words":1,"start":1847.625,"end":1847.865},{"sentences":[{"text":"moment,","start":1847.7101,"end":1848.1101,"sentiment":"neutral","sentiment_score":-0.1540987491607666}],"sentiment":"neutral","sentiment_score":-0.1540987491607666,"channel":0,"num_words":1,"start":1847.7101,"end":1848.1101},{"sentences":[{"text":"tangled","start":1847.865,"end":1848.365,"sentiment":"neutral","sentiment_score":-0.15684324502944946}],"sentiment":"neutral","sentiment_score":-0.15684324502944946,"channel":1,"num_words":1,"start":1847.865,"end":1848.365},{"sentences":[{"text":"that's","start":1848.1101,"end":1848.43,"sentiment":"neutral","sentiment_score":-0.18965035676956177}],"sentiment":"neutral","sentiment_score":-0.18965035676956177,"channel":0,"num_words":1,"start":1848.1101,"end":1848.43},{"sentences":[{"text":"up","start":1848.425,"end":1848.665,"sentiment":"neutral","sentiment_score":-0.1853344738483429}],"sentiment":"neutral","sentiment_score":-0.1853344738483429,"channel":1,"num_words":1,"start":1848.425,"end":1848.665},{"sentences":[{"text":"that's","start":1848.43,"end":1848.67,"sentiment":"neutral","sentiment_score":-0.17621076107025146}],"sentiment":"neutral","sentiment_score":-0.17621076107025146,"channel":0,"num_words":1,"start":1848.43,"end":1848.67},{"sentences":[{"text":"with","start":1848.665,"end":1848.905,"sentiment":"neutral","sentiment_score":-0.1879234164953232}],"sentiment":"neutral","sentiment_score":-0.1879234164953232,"channel":1,"num_words":1,"start":1848.665,"end":1848.905},{"sentences":[{"text":"the rule.","start":1848.67,"end":1849.3301,"sentiment":"neutral","sentiment_score":-0.1777281016111374}],"sentiment":"neutral","sentiment_score":-0.1777281016111374,"channel":0,"num_words":2,"start":1848.67,"end":1849.3301},{"sentences":[{"text":"it.","start":1848.905,"end":1849.405,"sentiment":"neutral","sentiment_score":-0.0880727469921112},{"text":"Yeah.","start":1849.7051,"end":1850.025,"sentiment":"neutral","sentiment_score":-0.08147905021905899},{"text":"If something was happening, you broke up or something and then be all, yeah, mingled up and","start":1850.025,"end":1855.12,"sentiment":"neutral","sentiment_score":-0.1430199970217312}],"sentiment":"neutral","sentiment_score":-0.13688903929371582,"channel":1,"num_words":19,"start":1848.905,"end":1855.12},{"sentences":[{"text":"A bit","start":1855.555,"end":1855.795,"sentiment":"neutral","sentiment_score":-0.1760476604104042}],"sentiment":"neutral","sentiment_score":-0.1760476604104042,"channel":0,"num_words":2,"start":1855.555,"end":1855.795},{"sentences":[{"text":"you","start":1855.6599,"end":1855.82,"sentiment":"neutral","sentiment_score":-0.23264823853969577}],"sentiment":"neutral","sentiment_score":-0.23264823853969577,"channel":1,"num_words":1,"start":1855.6599,"end":1855.82},{"sentences":[{"text":"messy","start":1855.795,"end":1856.275,"sentiment":"neutral","sentiment_score":-0.2324394732713699}],"sentiment":"neutral","sentiment_score":-0.2324394732713699,"channel":0,"num_words":1,"start":1855.795,"end":1856.275},{"sentences":[{"text":"gotta be","start":1855.82,"end":1856.2999,"sentiment":"neutral","sentiment_score":-0.21506328880786896}],"sentiment":"neutral","sentiment_score":-0.21506328880786896,"channel":1,"num_words":2,"start":1855.82,"end":1856.2999},{"sentences":[{"text":"sometimes.","start":1856.275,"end":1856.775,"sentiment":"neutral","sentiment_score":-0.2315293848514557}],"sentiment":"neutral","sentiment_score":-0.2315293848514557,"channel":0,"num_words":1,"start":1856.275,"end":1856.775},{"sentences":[{"text":"a mess.","start":1856.2999,"end":1856.88,"sentiment":"neutral","sentiment_score":-0.1737200915813446},{"text":"Yeah.","start":1857.58,"end":1858.08,"sentiment":"neutral","sentiment_score":-0.04209641367197037}],"sentiment":"neutral","sentiment_score":-0.12984553227821985,"channel":1,"num_words":3,"start":1856.2999,"end":1858.08},{"sentences":[{"text":"Yes.","start":1858.275,"end":1858.775,"sentiment":"neutral","sentiment_score":-0.015045136213302612}],"sentiment":"neutral","sentiment_score":-0.015045136213302612,"channel":0,"num_words":1,"start":1858.275,"end":1858.775},{"sentences":[{"text":"Yeah.","start":1858.5399,"end":1858.94,"sentiment":"neutral","sentiment_score":-0.03089295513927937},{"text":"Although we intended to do that, but I'd say I could understand why it's a little yeah.","start":1858.94,"end":1864.4,"sentiment":"neutral","sentiment_score":-0.0792021260542028}],"sentiment":"neutral","sentiment_score":-0.07651828322559595,"channel":1,"num_words":18,"start":1858.5399,"end":1864.4},{"sentences":[{"text":"Yeah.","start":1864.77,"end":1865.27,"sentiment":"neutral","sentiment_score":0.010000288486480711},{"text":"Exactly.","start":1865.41,"end":1865.91,"sentiment":"neutral","sentiment_score":0.032043203711509705}],"sentiment":"neutral","sentiment_score":0.02102174609899521,"channel":0,"num_words":2,"start":1864.77,"end":1865.91},{"sentences":[{"text":"Yeah.","start":1865.98,"end":1866.48,"sentiment":"neutral","sentiment_score":0.042497728019952774},{"text":"Yeah.","start":1866.7,"end":1867.1799,"sentiment":"neutral","sentiment_score":0.05557892471551895}],"sentiment":"neutral","sentiment_score":0.04903832636773586,"channel":1,"num_words":2,"start":1865.98,"end":1867.1799},{"sentences":[{"text":"Now","start":1867.17,"end":1867.57,"sentiment":"neutral","sentiment_score":0.06348757445812225}],"sentiment":"neutral","sentiment_score":0.06348757445812225,"channel":0,"num_words":1,"start":1867.17,"end":1867.57},{"sentences":[{"text":"Yeah.","start":1867.1799,"end":1867.6799,"sentiment":"neutral","sentiment_score":0.05707098916172981}],"sentiment":"neutral","sentiment_score":0.05707098916172981,"channel":1,"num_words":1,"start":1867.1799,"end":1867.6799},{"sentences":[{"text":"do you guys have any other questions for me before I let you go and enjoy the rest of your morning, otherwise?","start":1867.57,"end":1872.39,"sentiment":"neutral","sentiment_score":0.09530009786513718}],"sentiment":"neutral","sentiment_score":0.09530009786513718,"channel":0,"num_words":22,"start":1867.57,"end":1872.39},{"sentences":[{"text":"No.","start":1873.135,"end":1873.535,"sentiment":"neutral","sentiment_score":0.002067461609840393},{"text":"That's pretty good.","start":1873.535,"end":1874.175,"sentiment":"neutral","sentiment_score":0.14692883441845575},{"text":"Thanks.","start":1874.175,"end":1874.675,"sentiment":"neutral","sentiment_score":0.1912427842617035}],"sentiment":"neutral","sentiment_score":0.12681934982538223,"channel":1,"num_words":5,"start":1873.135,"end":1874.675},{"sentences":[{"text":"No?","start":1874.29,"end":1874.79,"sentiment":"neutral","sentiment_score":0.044565267860889435},{"text":"Okay.","start":1875.1849,"end":1875.6849,"sentiment":"neutral","sentiment_score":0.11922217905521391}],"sentiment":"neutral","sentiment_score":0.08189372345805168,"channel":0,"num_words":2,"start":1874.29,"end":1875.6849},{"sentences":[{"text":"Yeah.","start":1875.615,"end":1876.0951,"sentiment":"neutral","sentiment_score":0.18879248201847076}],"sentiment":"neutral","sentiment_score":0.18879248201847076,"channel":1,"num_words":1,"start":1875.615,"end":1876.0951},{"sentences":[{"text":"Perfect.","start":1875.745,"end":1876.245,"sentiment":"neutral","sentiment_score":0.29730868339538574}],"sentiment":"neutral","sentiment_score":0.29730868339538574,"channel":0,"num_words":1,"start":1875.745,"end":1876.245},{"sentences":[{"text":"Yep.","start":1876.0951,"end":1876.5951,"sentiment":"neutral","sentiment_score":0.15907196700572968}],"sentiment":"neutral","sentiment_score":0.15907196700572968,"channel":1,"num_words":1,"start":1876.0951,"end":1876.5951},{"sentences":[{"text":"Now like I said, Peter, I do have you booked in next Wednesday, the twenty second at 09:30AM","start":1877.345,"end":1882.945,"sentiment":"neutral","sentiment_score":0.11247405699557728}],"sentiment":"neutral","sentiment_score":0.11247405699557728,"channel":0,"num_words":18,"start":1877.345,"end":1882.945},{"sentences":[{"text":"Yep.","start":1882.415,"end":1882.915,"sentiment":"neutral","sentiment_score":0.11078445613384248}],"sentiment":"neutral","sentiment_score":0.11078445613384248,"channel":1,"num_words":1,"start":1882.415,"end":1882.915},{"sentences":[{"text":"to go through that research with you.","start":1882.945,"end":1884.965,"sentiment":"neutral","sentiment_score":0.1204766993011747},{"text":"In the","start":1885.1849,"end":1885.665,"sentiment":"neutral","sentiment_score":0.08054923638701439}],"sentiment":"neutral","sentiment_score":0.11160392976469463,"channel":0,"num_words":9,"start":1882.945,"end":1885.665},{"sentences":[{"text":"Yep.","start":1885.62,"end":1886.12,"sentiment":"neutral","sentiment_score":0.058322474360466}],"sentiment":"neutral","sentiment_score":0.058322474360466,"channel":1,"num_words":1,"start":1885.62,"end":1886.12},{"sentences":[{"text":"meantime, if you could have a look through that email I sent through, have a look through spam as well in case it","start":1885.665,"end":1891.71,"sentiment":"neutral","sentiment_score":0.03817505016922951}],"sentiment":"neutral","sentiment_score":0.03817505016922951,"channel":0,"num_words":23,"start":1885.665,"end":1891.71},{"sentences":[{"text":"Mhmm.","start":1891.62,"end":1892.12,"sentiment":"neutral","sentiment_score":0.011122348718345164}],"sentiment":"neutral","sentiment_score":0.011122348718345164,"channel":1,"num_words":1,"start":1891.62,"end":1892.12},{"sentences":[{"text":"does end up there.","start":1891.71,"end":1892.91,"sentiment":"neutral","sentiment_score":0.020070215687155724},{"text":"If you have any questions in regards to the document, just send me an email or give me a call.","start":1892.91,"end":1897.49,"sentiment":"neutral","sentiment_score":0.06596073992550373},{"text":"Otherwise, if you are happy to do so, it will just ask for your signature.","start":1898.19,"end":1902.13,"sentiment":"neutral","sentiment_score":0.0859507828950882},{"text":"It automatically comes back to us so we can get that all loaded and sorted for you.","start":1902.27,"end":1906.9551,"sentiment":"neutral","sentiment_score":0.18937363256426418},{"text":"And I will also get the team to email you that lawyer information so that you have it","start":1907.255,"end":1912.4551,"sentiment":"neutral","sentiment_score":0.10111954642666711}],"sentiment":"neutral","sentiment_score":0.10443595937780432,"channel":0,"num_words":74,"start":1891.71,"end":1912.4551},{"sentences":[{"text":"Yeah.","start":1912.22,"end":1912.72,"sentiment":"neutral","sentiment_score":0.09554596990346909}],"sentiment":"neutral","sentiment_score":0.09554596990346909,"channel":1,"num_words":1,"start":1912.22,"end":1912.72},{"sentences":[{"text":"on hand if that would be helpful.","start":1912.4551,"end":1914.9551,"sentiment":"neutral","sentiment_score":0.13712930945413454}],"sentiment":"neutral","sentiment_score":0.13712930945413454,"channel":0,"num_words":7,"start":1912.4551,"end":1914.9551},{"sentences":[{"text":"Yep.","start":1915.58,"end":1915.98,"sentiment":"positive","sentiment_score":0.35818764567375183},{"text":"That'd be good.","start":1915.98,"end":1916.54,"sentiment":"positive","sentiment_score":0.6680252949396769},{"text":"Thank you.","start":1916.54,"end":1917.28,"sentiment":"positive","sentiment_score":0.7284430265426636}],"sentiment":"positive","sentiment_score":0.6365249305963516,"channel":1,"num_words":6,"start":1915.58,"end":1917.28},{"sentences":[{"text":"Yep.","start":1917.0299,"end":1917.4299,"sentiment":"neutral","sentiment_score":0.32808995246887207},{"text":"Alright.","start":1917.4299,"end":1917.9099,"sentiment":"positive","sentiment_score":0.5773740410804749},{"text":"Beautiful.","start":1917.9099,"end":1918.4099,"sentiment":"positive","sentiment_score":0.7502593994140625},{"text":"Well, thank you so much for your time this morning, the two of you, and I look forward to speaking with you, Peter, next Wednesday.","start":1918.63,"end":1924.4099,"sentiment":"positive","sentiment_score":0.7723820161819458}],"sentiment":"positive","sentiment_score":0.7487597784825734,"channel":0,"num_words":28,"start":1917.0299,"end":1924.4099},{"sentences":[{"text":"Okay.","start":1925.169,"end":1925.569,"sentiment":"positive","sentiment_score":0.411064088344574},{"text":"Thank you.","start":1925.569,"end":1926.209,"sentiment":"positive","sentiment_score":0.6052216291427612},{"text":"Thank you.","start":1926.209,"end":1926.949,"sentiment":"positive","sentiment_score":0.555251270532608}],"sentiment":"positive","sentiment_score":0.5464019775390625,"channel":1,"num_words":5,"start":1925.169,"end":1926.949},{"sentences":[{"text":"No worries.","start":1926.6488,"end":1927.3888,"sentiment":"neutral","sentiment_score":0.2582676112651825},{"text":"We'll speak soon.","start":1927.4489,"end":1928.4288,"sentiment":"neutral","sentiment_score":0.2174266129732132}],"sentiment":"neutral","sentiment_score":0.2337630122900009,"channel":0,"num_words":5,"start":1926.6488,"end":1928.4288},{"sentences":[{"text":"Okay.","start":1928.929,"end":1929.429,"sentiment":"neutral","sentiment_score":0.13545721769332886},{"text":"Bye bye.","start":1929.4889,"end":1930.1489,"sentiment":"neutral","sentiment_score":0.13388702273368835}],"sentiment":"neutral","sentiment_score":0.1344104210535685,"channel":1,"num_words":3,"start":1928.929,"end":1930.1489},{"sentences":[{"text":"Bye.","start":1930.1688,"end":1930.6688,"sentiment":"neutral","sentiment_score":0.09374111890792848}],"sentiment":"neutral","sentiment_score":0.09374111890792848,"channel":0,"num_words":1,"start":1930.1688,"end":1930.6688}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with Peter to discuss his annual review and retirement goals. They confirm personal information and discuss his retirement goals, including his mortgage and truck driving. The representatives also discuss personal health and lifestyle, risk tolerance, and retirement expenses. They offer to send pricing information and a risk profile and suggest a balance growth portfolio for the customer. The agents explain the importance of balancing growth and risk in a balanced growth portfolio and offer to run a research to determine if a balance growth portfolio is suitable for the customer's retirement goals. They also discuss retirement savings and the possibility of taking everything out as a lump sum. The agents schedule a call for the next Wednesday and provide lawyer information and a call back if the customer has any questions."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? That's Peter William Clark.","start_word":117,"end_word":151,"intents":[{"intent":"Confirm identity","confidence_score":0.6642955}]},{"text":"So the main focus is to kind of clear out the debt on the mortgage.","start_word":333,"end_word":347,"intents":[{"intent":"Address financial concerns","confidence_score":0.0005882856}]},{"text":"And when you don't have that, obviously, over you, then potentially look through transition to retirement? Yeah.","start_word":349,"end_word":365,"intents":[{"intent":"Assess retirement potential","confidence_score":0.000786046}]},{"text":"Otherwise, you don't have anyone who makes any financial decisions in on your behalf? No. No. No.","start_word":1899,"end_word":1915,"intents":[{"intent":"Assess personal finances","confidence_score":0.000049217546}]},{"text":"And when it comes through how much risk you are willing to take for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?","start_word":2063,"end_word":2101,"intents":[{"intent":"Assess superannuation risk","confidence_score":0.126483}]},{"text":"So when we do assess, obviously, risk profile, it's it's time is one of the big things that we consider, but also how you feel about certain situations.","start_word":2499,"end_word":2526,"intents":[{"intent":"Evaluate risk profile","confidence_score":0.26670706}]},{"text":"So would you ever consider taking out a loan to invest in stocks or funds? Not really.","start_word":2711,"end_word":2727,"intents":[{"intent":"Explore investing options","confidence_score":0.0019350419}]},{"text":"then we have about 20% in defensive. So that would be a combination of fixed interest, cash, and gold to try not limit fluctuations a little bit. Now Mhmm.","start_word":2951,"end_word":2979,"intents":[{"intent":"Assess investment strategy","confidence_score":0.00026929317}]},{"text":"So I'm more than happy to put together a proposal for you, run that through with you, and then you can see what it would look like if we do move to a balance growth to reduce risk a little bit. That way you have all the information. And then following that, you can decide if you would like to go ahead with the change or if you prefer to leave it as is.","start_word":3381,"end_word":3454,"intents":[{"intent":"Make a decision","confidence_score":0.005369994}]},{"text":"I will book that in for you, Peter. If anything does change, if you change any of your plans and you can't make it, just let me know, and I will we can see if we can get that rescheduled for you. Okay.","start_word":3612,"end_word":3654,"intents":[{"intent":"Book appointment","confidence_score":0.3722934}]},{"text":"But by signing this, otherwise, it allows us to manage all your investments and everything for you in the meantime. Does that make sense? Yep.","start_word":4212,"end_word":4236,"intents":[{"intent":"Manage investments","confidence_score":0.005348683}]},{"text":"Now if you decided Yep. that you wanna retire today as you have turned 60, you could realistically take everything completely tax free. If you are still working, there are restrictions between 60 and 65. In that, you can take up to 10% tax free. After 65, there is no restrictions on how much you can take out if you are still working.","start_word":4370,"end_word":4432,"intents":[{"intent":"Clarify retirement requirements","confidence_score":0.010853223}]},{"text":"There is ways where you can move money. So let's say you could like, if Kathy decides, obviously, she would have to keep her own super fund, but she could transfer money to you and vice versa through different spousal contributions. But there's obviously a lot to kind of factor in whether that would be the best for the two of you. Yeah.","start_word":4682,"end_word":4744,"intents":[{"intent":"Discuss money management","confidence_score":0.0057104733}]},{"text":"Well, thank you so much for your time this morning, the two of you, and I look forward to speaking with you, Peter, next Wednesday.","start_word":5098,"end_word":5122,"intents":[{"intent":"Schedule call","confidence_score":0.22052656}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. Is this Peter? This is Veronica from Oakview Financial. How are you? Yes. Hey.","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.16050072014331818},{"text":"Good. Thank you. That's good. I had you booked in this morning to go over your annual review. Is now still a good time for you?","start_word":17,"end_word":42,"sentiment":"positive","sentiment_score":0.5064898133277893},{"text":"Yep. Yeah. I'm driving, but that'll be fine. Yep. Okay. Yeah. As long as you're happy to still kind of talk while you're driving. Yep. Yeah. My mom's Yes. paying for it. Okay.","start_word":43,"end_word":75,"sentiment":"neutral","sentiment_score":0.13284587860107422},{"text":"Perfect. I'll tryna make it quick for you.","start_word":76,"end_word":83,"sentiment":"positive","sentiment_score":0.42906975746154785},{"text":"But before I do go any further, Peter, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yep. Yep. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? That's Peter William Clark. First of the 06/09/1966. 9 Brisbane Street, Clayton. Yep.","start_word":84,"end_word":160,"sentiment":"neutral","sentiment_score":0.039920978248119354},{"text":"Perfect. That's exactly what I have here.","start_word":161,"end_word":167,"sentiment":"positive","sentiment_score":0.5379296541213989},{"text":"Now before I do kind of jump into things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions that you might have or whether it's just a bit of an update and see where everything's at? No. I'll just say where everything's at really. Well, I'm 60 now. Just gotta start looking towards retirement. But yeah. Yeah. And have you started thinking a bit more concrete, like, when you think you want to retire or start accessing some of your superannuation. Well, at at the moment, I've I've still got a fair bit to go on my house one. So that's if I was if that was paid for, the it ought to be totally different, but Okay. there's still So kind still of eleven still eleven years on it. But I'm paying more, so I don't know exactly when it'll end up being paid for. okay. So the main focus is to kind of clear out the debt on the mortgage. And when you don't have that, obviously, over you, then potentially look through transition to retirement? Yeah. Yeah.","start_word":168,"end_word":365,"sentiment":"neutral","sentiment_score":-0.03281180035661568},{"text":"Pretty well.","start_word":366,"end_word":367,"sentiment":"positive","sentiment_score":0.34351596236228943},{"text":"Yeah. Yeah. Okay.","start_word":368,"end_word":370,"sentiment":"neutral","sentiment_score":0.2599797248840332},{"text":"Perfect.","start_word":371,"end_word":371,"sentiment":"positive","sentiment_score":0.6055408716201782},{"text":"And, obviously, like you said, it does depend on how long you have left on the loan. But I do have here that, ideally, you wanna start drawing an income from super at 65. Do you still Well, think that you might that wanna transition a little bit? that would be good. But Yep. that's maybe a little bit unrealistic, but yeah. Yep. Okay. With Ideally. the line on me. But, yeah, no. That's all good. And if you when you do start drawing a bit of an income from super, even if it's, like, part time, I have here that, ideally, about a thousand dollars per week would give you what you need to cover living expenses and everything like that. Do you think Yeah. that's still achievable, or do you think you you will need to draw a bit more? No. I think that'd be better better swift. Raise me comfortable Yep. once the mortgage is good. Yep. Okay.","start_word":372,"end_word":532,"sentiment":"neutral","sentiment_score":0.12283680588006972},{"text":"Perfect.","start_word":533,"end_word":533,"sentiment":"positive","sentiment_score":0.3936776518821716},{"text":"Now what I will do here quickly as well, Peter, is just to run through just a bit of an updated fact line just to see if there is anything major that has changed you for need to make any tweaks and changes to your advice. So just bear with me as I do go through this. Now when it comes to your personal information, I have you down here as married with no financial dependence. Is that correct? Yes. Yes. Well, And if realistically, yep. no. But yeah. You know, kids are like, they're always dependent. Yeah. They're but are they still at home or are they a bit older? No. No. Their No. the youngest is 24. Okay. Yeah. But sometimes gotta help a little bit, I get. I get that. Now next up, Kim. So in the event that something would've happened to you and we, for some reason, cannot get in touch with you at all, I have Kathy nominated. Is that still the Yes. case? Yes. Perfect. Now I don't actually have a phone number at for her. Would do you know where that is at all? Yep. 0428, Yeah. That's 428. Yep. 559 Four five nine. Yep. 4450. 450.","start_word":534,"end_word":738,"sentiment":"neutral","sentiment_score":0.027129696227791832},{"text":"Great. Perfect. Thank you so much for that.","start_word":739,"end_word":746,"sentiment":"positive","sentiment_score":0.6644603610038757},{"text":"Employment wise, has any of that changed? Are you still doing, like, the labor and truck driving on the weekend? Yeah. Yeah. It's still the site. Still the same? Okay. And with your your laborer, Yep. do you do that full time as well? Yes. Yes. And what's your income roughly from that? Do you know? It's about 1,800 a fortnight. 1,800 per fortnight, and that is after tax? Yeah. Yep. Yep. That's And with the truck driving, how often or how many hours would you say that you do on that roughly? Well, that's that's hard to tell because I could get $500 on a weekend or I can get none. So Okay. just it's been hard to really But how if you Yeah. can average it out average it out maybe 300 a week. 300 Weekends? awake? Yeah. On on a Yeah. weekend. Yes. When if Yeah. because I don't work every weekend. I don't work every every day on the weekend. So it just depends on if you if you put an average in to probably probably Yeah. About say the 300. three 100. Yep. That's only, I guess. Yeah. And it that would be in, like, a a casual basis, I imagine. Yeah. Yeah. Yep. That that could be changing soon too because of long story, but our mill looks like slowing down, which wherever the work comes from. Okay. So Okay. anyway but at the moment, that's why it is it. Yeah. Okay. And both jobs, they pay you that standard 12 percent contribution into super. There's no, like, special enterprise bargain agreement or No. No. not just a standard. Okay. Beautiful. Yep. And are you making any additional contributions yourself or just that from your two employers? No. I haven't been there. Nope. That's all good. I do have here as well average expenses per week of about 1,300. Does that sound about right? Yeah. Probably a bit more. A bit more like 15, or what do you reckon? You could probably get a fixed line. Yeah. About 15. And are you saving anything on, like, a weekly, monthly, or fortnightly basis? Basis? No. No. That's Tell me all if good. buying all the bills and everything because there's nothing left out of this. Yeah. Most people have the same, especially with all their living expenses and interest rates Yep. and everything at the moment. So not a lot of people are feeling the same. Asset wise, your property I have here last was died at about 400,000. Yeah. I'm not really sure if it's still the same or what. So roughly yeah. And mortgage was about 231 owing. Right. I just got a bed covered in mine there.","start_word":747,"end_word":1201,"sentiment":"neutral","sentiment_score":-0.014395855505346925},{"text":"Oh, beautiful. So you guys have made a pretty good progression on the loan, which is good.","start_word":1202,"end_word":1218,"sentiment":"positive","sentiment_score":0.6094154119491577},{"text":"Do you also have the investment property as well? Yes. Yeah. Yep. Yep. And Well, I have that's here that's that it yeah? sorry. No. You're right. No. I was gonna say I have here that it was died at about $1.50 with nothing owing on it. Yeah. Yeah. That'll be Yeah. about right there. Okay. Now I also have here contents of about 100,000. Contents. Yeah. Yep. And then a motor vehicle ride at about 60,000 with nothing owing. That's right. Yep. Yep. And then a trailer a camper trailer of about 40,000. Yep. Yeah. Well, And I'm not then sure a what u they value on it now. Yeah. roughly around that, you reckon? Yeah. Well, that's what we paid Yeah. for it, but that what it is now, I don't know. But it's probably Yep. 30,000 No. now. But the Alright. I'll just change it to 30. Obviously, they they do depreciate a little bit in value. And they use as well worth 15? Yes. We'll leave it at Yep. that. Yep. Anything else that's changed us at Wise Peter in the last twelve months? No. Not really. None. Alright.","start_word":1219,"end_word":1411,"sentiment":"neutral","sentiment_score":0.008347521060739929},{"text":"Perfect.","start_word":1412,"end_word":1412,"sentiment":"positive","sentiment_score":0.5666667222976685},{"text":"And when it comes to health and lifestyle, I have you down here as a non smoker and no significant health issues or injuries. Is that the case? Nope. Correct. Yeah. Yep.","start_word":1413,"end_word":1444,"sentiment":"neutral","sentiment_score":0.03684356436133385},{"text":"Beautiful.","start_word":1445,"end_word":1445,"sentiment":"positive","sentiment_score":0.6144767999649048},{"text":"And do you have private health insurance? No. No. And when it comes to estate planning, do you know if you have a will or power of attorney in place? Not at the moment. No. We've No. just gone through that with family stuff, and we've gotta do that very soon. Okay. So kind of Yeah. on the to do list. Yeah. Yeah. Well, we've And we've gone through a a thing with a family member and never had a will, so we're okay. realizing how bad it can be. So we yeah. That's Yes. one. Yeah. Immediately. Yeah. Yeah. Oh, I'm sorry to hear that. And, yeah, it's one That's of those right. things that often people just kinda put it off to the side, and you don't tend to think about it until either something happens to you or Yeah. a loved one. And that's when you're like, oh, you can realize, obviously, the last thing you want is to leave Yeah. you know, you want everything as smooth as possible if something ever would've happened to you so your That's loved right. ones, Yep. you know, don't have to worry too much. So do you guys have someone local that can assist you with it, or do you need any suggestions Yeah. on someone? Well, we would just use it as a local solicitor, but I don't know Yep. who's the best for it. Because what I can do, if you would like, just as a bit of a comparison, is that I can send you an email with a firm that we work closely with, and it has Mhmm. all the pricing and everything like that as well. And then, obviously, you can even if you don't decide to do that, you can even use it as a bit of a price guide of when you are speaking to someone else to see roughly how much it might cost, if that would be helpful.","start_word":1446,"end_word":1773,"sentiment":"neutral","sentiment_score":0.012978663787291182},{"text":"Yeah. That'll be good. Thanks. Yeah. Yeah. Perfect. I will get the team to email that.","start_word":1774,"end_word":1789,"sentiment":"positive","sentiment_score":0.5378404259681702},{"text":"And that also includes just, like, a basic will or if you wanna will a power of attorney or if you want to do it as a couple as well, they can do that as well. Okay. Yep. Otherwise, though, when it comes to your superannuation, so superannuation does not form part of the estate. So I have here that if something were to happen to you, you would like your super to go to Kathy. Is that correct? Yes. Yes. Yep. That's correct.","start_word":1790,"end_word":1873,"sentiment":"neutral","sentiment_score":0.16171228885650635},{"text":"Because she is your spouse as well, if something were to happen, it will go completely tax free to her, which is good.","start_word":1874,"end_word":1896,"sentiment":"positive","sentiment_score":0.3937014043331146},{"text":"Mhmm. Yep. Otherwise, you don't have anyone who makes any financial decisions in on your behalf? No. No. No. Don't be Perfect. don't be telling her things like that. She's sitting next to me. That's often the case. They're like, not not officially, but my wife or husband does, kind of. So that's all good. And, hey, Kathy. How are you?","start_word":1897,"end_word":1957,"sentiment":"neutral","sentiment_score":-0.011339575052261353},{"text":"Good. Thank you. That's good.","start_word":1958,"end_word":1962,"sentiment":"positive","sentiment_score":0.5901644825935364},{"text":"Now the next thing I do quickly wanna run through that with you, Peter, is just your risk profile just to see if we need to make any tweaks and changes to your risk tolerance or how your money is invested, if any of that has changed. So it is just a couple of multiple Yep. choice questions to make it nice and easy, and you just let me know whatever you feel is Yep. the most appropriate for you. Does that make sense? Yep. Now have you ever bought direct shares on the stock market yourself? No. Nope. And when it comes through how much risk you are willing to take for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Probably high and moderate or somewhere around Between, there. yep, between high But to moderate. I don't wanna lose Yep. everything in one go. No. Especially with time as well, that's when that comes in handy that, you know, typically, market always goes up over the long term. The short term, there will be some ups and downs and market fluctuations depending on what is going on. And we also Mhmm. wanna make sure that you have enough time for those fluctuations to come back around before you do want to access it. Yeah. Yep. Now kind of talking about fluctuations, if you placed an investment and then let's say after six months, it fell by 20%, Would you, if you had the option to do so, think that, well, now is potentially a good time to put a little bit more in while the prices are down? Would you be just kind of a bit neutral, just kind of wait and see what happens, Or do you think you would want to sell out of that investment and move through something a little bit more secure, but that means you're also then kind of selling when the prices have dropped? That's a hard one because Yes. because if you just pull out, you're losing Yeah. all that money, and then Mhmm. just depends on all And it and it's more talking about, like, market trends. So not like, let's say, one investment that's just gone bad, just kind of like market trends. So kind of, obviously, going back to COVID, we saw quite a bit of fluctuations. Yeah. Last I'd probably twelve months yeah. I'd probably hang it out hang it up. in general. Okay.","start_word":1963,"end_word":2386,"sentiment":"neutral","sentiment_score":-0.04246189378483115},{"text":"Perfect.","start_word":2387,"end_word":2387,"sentiment":"positive","sentiment_score":0.3380386233329773},{"text":"Yep. Now if you had any investments or superannuation or anything else falling value, how would that make you feel? Would you say optimistic about potential future investments, a bit cautious, not making further investments, or would you say that you'll be a bit more concerned or anxious? Probably a bit top two, but a little bit cautious. A little bit cautious. Yep. Just they're all not they Yeah. don't depend on how close I am to retirement. Yes. Sorry. When you start you're not starting to lose time and building it Exactly. back to where it should be. Exactly. Which also plays yeah. It plays a big a part role. So when we do assess, obviously, risk profile, it's it's time is one of the big things that we consider, but also how you feel about certain situations. Because I have some clients at 70 that goes, not put me in high risk.","start_word":2388,"end_word":2541,"sentiment":"neutral","sentiment_score":-0.0021949909149681208},{"text":"I'm happy. I understand it.","start_word":2542,"end_word":2546,"sentiment":"positive","sentiment_score":0.4962618052959442},{"text":"Often, you see the older you get, the more defensive you become because, like you touched on, you don't have as much time. So then at the same time, Yep. I have some 20 year olds that go, oh, no. I don't wanna see any fluctuations, and they're super defensive. So time does play a big role, but then also how you would feel in a situation kind of plays in Yeah. as well, if that makes sense. Yeah. Well, as I said, I was getting to the stage now. I'm looking towards retirement, and then I'll Yeah. be a little bit yeah. Gradually. But And that's but I'm not at the stage where I can't say well, I'm just gonna have to hang off a bit longer. Yeah. So what we can do is sorry. I have one more question first, and then I'll go into the risk profile for you. So the last one here is just in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? Not really. No. And I with don't think the investment so. No. no. And with the investment property that you have, did you ever take out a loan for it, or did you buy it outright? Originally, we took out a loan, but it's it's all combined in the in the one loan that now, so so Yep. we pay Okay. the one debt. Yeah. Okay.","start_word":2547,"end_word":2791,"sentiment":"neutral","sentiment_score":-0.0200554970651865},{"text":"Perfect.","start_word":2792,"end_word":2792,"sentiment":"positive","sentiment_score":0.3990969657897949},{"text":"Now, Peter, that tells me here that you have come out as a balanced growth investor. And at the moment, we have you in a growth portfolio. Do you know the difference between those two at all? No. Not really. Not. No. So in a growth portfolio, which is how you are currently invested, it is typically for investors who are looking at getting as much growth as you possibly can out of your superannuation while you still Mhmm. have plenty of time. Also, Yep. someone who is you know, understand that there will be some higher level of fluctuations in order to achieve that growth. Now when it comes to how the money is actually then invested, we see about 80 invested in what we call your growth assets. Now Yep.","start_word":2793,"end_word":2924,"sentiment":"neutral","sentiment_score":0.06673650443553925},{"text":"this is a combination of Australian shares, international shares, and property as well, And that is what's going to maximize the growth for you.","start_word":2925,"end_word":2948,"sentiment":"positive","sentiment_score":0.39100250601768494},{"text":"And Mhmm. then we have about 20% in defensive. So that would be a combination of fixed interest, cash, and gold to try not limit fluctuations a little bit. Now Mhmm. the difference then between a balanced growth is kind of on the scale that is one step down, so slightly more defensive. Now a balanced growth is typically for investors who are looking at getting some growth still out of your superannuation while you are working and you are contributing through this superannuation from your employer, but you want Yep. a slightly more conservative element to your portfolio in order to kinda limit fluctuations a little bit because you don't have as much time. Now Mhmm. when it then comes to the money being invested, it's about a 10% difference from the growth one. So you will have about 70% in growth. So still focusing on growing it, but then you have about 30 in defensive to limit fluctuations a little bit. Does that make sense? Mhmm. Yep. Yeah. Now factoring in time as well, a balanced growth portfolio, we typically want to see about five years until retirement, making sure you have enough time for the market fluctuation. Whereas in a growth portfolio, we want at least six ideally. So Mhmm. from that, do you feel like there's one that you align with a little bit more? Well, probably the balance, but yeah. Yeah. The balance growth. Yeah. But I I I I reckon I might later another year is the way it is. Yeah.","start_word":2949,"end_word":3205,"sentiment":"neutral","sentiment_score":0.1242484394678346},{"text":"Because what I can do for you, Peter, especially as you are getting closer, and I think what you were telling me, a balance growth is quite suitable.","start_word":3206,"end_word":3233,"sentiment":"positive","sentiment_score":0.38894978165626526},{"text":"But, obviously, before you make up your mind, what I would like to do is because every time we do make a change, there there can be some capital gains tax, which we wanna minimize, but then also you wanna look at, you know, total fees and also the performance between the two portfolio and how that's going to change things for you. So what Mhmm. I can do is that I'm more than happy to do do some research between your current growth portfolio and a potential balance growth portfolio, especially Yep. because it's been a little bit of time as well with your investments. And, obviously, a lot has happened in the market in the last twelve months, and it is good to do a bit of a bit of an assessment and see if there's anyone that has underperformed, if we wanna change anything.","start_word":3234,"end_word":3380,"sentiment":"neutral","sentiment_score":0.22170938551425937},{"text":"So I'm more than happy to put together a proposal for you, run that through with you, and then you can see what it would look like if we do move to a balance growth to reduce risk a little bit. That way you have all the information.","start_word":3381,"end_word":3428,"sentiment":"positive","sentiment_score":0.43090319633483887},{"text":"And then following that, you can decide if you would like to go ahead with the change or if you prefer to leave it as is. But then at least you have a little bit more information. Would that Yep. be helpful? Yes. Yeah? Okay.","start_word":3429,"end_word":3473,"sentiment":"neutral","sentiment_score":0.18924783170223236},{"text":"Perfect.","start_word":3474,"end_word":3474,"sentiment":"positive","sentiment_score":0.4534311890602112},{"text":"Yep. Now it will take me about a week to put that together for you. Do you know what your schedule is like next week at all? Mhmm. I'm pretty free, actually. It's some Yeah? I'm on Okay. holidays. So Ah, lovely. yeah. Now What let sort me of have holidays? a look. Now let me have do you normally prefer mornings or afternoons or around kind of lunchtime? Probably midmorning at the Midmorning? same time. Okay. Yeah. So at the moment, I have availability. So on Wednesday, the twenty second, I Mhmm. could do either at 12PM or I could do 09:30. Otherwise, Thursday the twenty third, I could do 11AM Yep. again. Oh, we're about to add 09:30. 09:30? Alright.","start_word":3475,"end_word":3596,"sentiment":"neutral","sentiment_score":0.0975347162819788},{"text":"Perfect.","start_word":3597,"end_word":3597,"sentiment":"positive","sentiment_score":0.48435449600219727},{"text":"Well, I will yeah? 09:30 Yep. on Wednesday? Yeah. Yep. Yep. Okay.","start_word":3598,"end_word":3609,"sentiment":"neutral","sentiment_score":0.10397852957248688},{"text":"Perfect. Yep. I will book that in for you, Peter.","start_word":3610,"end_word":3619,"sentiment":"positive","sentiment_score":0.42921143770217896},{"text":"If anything does change, if you change any of your plans and you can't make it, just let me know, and I will we can see if we can get that rescheduled for you. Okay. Now the last thing I do wanna let you know as well is that I have sent you an email with some documents. Now, obviously, as you're driving, please don't get it up. It wouldn't be safe to do so. So later when you are not driving and when you have a bit of time, just have a look through them and let me know if you have any questions. But, basically, what I have sent you is a summary of your superannuation. So it does show you your current superannuation with hub twenty four and Yep. that your current balance is about 258,556. Not Now at it also shows you a performance report. So it shows you kind of how your investments have performed in the last twelve months. And now I'm sure you've obviously heard on on the news the bit of fluctuations we have had in the last twelve months. So, obviously, first with US and then Trump and tariffs and everything saw a bit of movement. And, obviously, more recently with the war as well, we have seen a bit of movement. Now in saying that, though, and this is all after fees. So after all fees have been deducted from your account, your portfolio has still, you know, gone up in the last twelve months, which is good given what has happened. The last twelve months, Mhmm. it's about 5.35%. Now that also attributes to the fact that you are in a growth portfolio, so you can see more fluctuations when there are more volatility in the market. So Mhmm. like I said, I will do a bit more in-depth on the difference between your your growth and your balance growth and also deep diving into some of those investments to see if there's potentially some we wanna change out for Yep. some other ones for you. Mhmm. Now what you will also see is an OQ services guide. Now you probably would have seen this a couple of times before. It is one of those compliance documents, but it does give you all the important information in regards to us here at OQ. So when you have a moment, just have a read through it.","start_word":3620,"end_word":4025,"sentiment":"neutral","sentiment_score":0.07877604608318489},{"text":"None of the important information has changed, but we've had a bit of an extension to the team, which is nice, and also a bit of an update marketing.","start_word":4026,"end_word":4054,"sentiment":"positive","sentiment_score":0.3424853980541229},{"text":"If you do wanna have a read over it, you will actually see myself on page 10 if you do wanna put a face to the voice as well. Mhmm. And then the last two documents, it will ask you to add a signature if you are happy to do so. Now one is a tax fund number form. It basically just says that we are keeping your tax fund number secure and safe on-site. The other one is your ongoing service agreement.","start_word":4055,"end_word":4137,"sentiment":"neutral","sentiment_score":0.1983381062746048},{"text":"So this is the one to say that you are happy to stay on as a client.","start_word":4138,"end_word":4154,"sentiment":"positive","sentiment_score":0.48721957206726074},{"text":"Now, Peter, there is no changes whatsoever in regards to the fee structure. So it hasn't increased Yep. or anything like that. It stays exactly the same at 1.65 from superannuation, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing this, otherwise, it allows us to manage all your investments and everything for you in the meantime. Does that make sense? Yep. Yep.","start_word":4155,"end_word":4237,"sentiment":"neutral","sentiment_score":0.1272391974925995},{"text":"Yep. Perfect.","start_word":4238,"end_word":4239,"sentiment":"positive","sentiment_score":0.47277313470840454},{"text":"And it's not like a one off fee that comes out of your account once a year either. It is just deducted month monthly to give you that flexibility as well. Mhmm. Yep. Now do you have questions in regards to anything I have gone through today? No. Yeah. From retirement. So we don't have to, like, disclose the super account. We can take, like, weekly wage or monthly wage out of pool. Is For that the way age it goes? pension, do you mean? Yeah. No. Like, taking money out of your super, we're we don't have to Mhmm. take it all in one lump sum. No. Once you Sorry. retire, you can No.","start_word":4240,"end_word":4354,"sentiment":"neutral","sentiment_score":0.055301288418147874},{"text":"take it as a waste.","start_word":4355,"end_word":4359,"sentiment":"negative","sentiment_score":-0.6003763675689697},{"text":"Correct. Sorry. The choice Yep.","start_word":4360,"end_word":4364,"sentiment":"neutral","sentiment_score":0.10952913761138916},{"text":"is completely up to you.","start_word":4365,"end_word":4369,"sentiment":"positive","sentiment_score":0.3392428755760193},{"text":"Now if you decided Yep. that you wanna retire today as you have turned 60, you could realistically take everything completely tax free. If you are still working, there are restrictions between 60 and 65. In that, you can take up to 10% tax free. After 65, there is no restrictions on how much you can take out if you are still working. But like I said, if you decide tomorrow to stop working, you can take everything.","start_word":4370,"end_word":4447,"sentiment":"neutral","sentiment_score":0.17514869570732117},{"text":"You can decide how you want to take it.","start_word":4448,"end_word":4456,"sentiment":"positive","sentiment_score":0.3406193256378174},{"text":"You can take it all as a lump sum, or what most people do is to just draw an income.","start_word":4457,"end_word":4476,"sentiment":"neutral","sentiment_score":0.2761158049106598},{"text":"Because by drawing Yep. an income, it gives you more, obviously, flexibility, but it also ensures that the rest of the money that you haven't taken out, instead of it being, like, in a in a cash account, it will continue to be invested and continue to grow.","start_word":4477,"end_word":4524,"sentiment":"positive","sentiment_score":0.3676595985889435},{"text":"You can obviously Yes. adjust how much you want to take out depending on your life situation and what is going on. Yep. That Yeah. that makes This sense. yeah. So the other other question that was just Mhmm. thrown around in my head was, well, my wife never had an iSuper account before, and now she's and and I've got a super. Mhmm. I don't know whether it's right or wrong, but someone's told me about not so much combining so it's all in mind, but putting them together type thing. Mhmm. I don't know how it works. Is there Yeah. something in that way? Yes and no. Not typically because it is designed to provide for each of your retirement. Now if you wanted Yeah. 1com combined super fund, the only way to do that is through a self managed super fund, because then you can have No. two trustees. That's right. So yeah. There is ways where you can move money. So let's say you could like, if Kathy decides, obviously, she would have to keep her own super fund, but she could transfer money to you and vice versa through different spousal contributions. But there's obviously a lot to kind of factor in whether that would be the best for the two of you. Yeah. No. That was just something that I someone's mentioned. I didn't know how it worked. It's Yeah. it I don't wanna be taking control over a super or anything like that. So it's good. Yeah. Yeah. Oh, okay.","start_word":4525,"end_word":4781,"sentiment":"neutral","sentiment_score":0.03313875195465199},{"text":"Thank you very much. Well, it's. Well, at least it's good, though, because you will get some money, obviously, by working. Your employer will pay a little bit, which obviously will will help as well, which which is good.","start_word":4782,"end_word":4820,"sentiment":"positive","sentiment_score":0.45447319746017456},{"text":"Yeah. Yeah. Yeah. But, yeah, it is a good question because a lot of people do ask. But, yeah, unfortunately, because it's designed to obviously provide for your individual retirement. Yeah. Yeah. Yeah. At least It'd at the be moment, tangled that's up that's with the rule. it. Yeah. If something was happening, you broke up or something and then be all, yeah, mingled up and A bit you messy gotta be sometimes. a mess. Yeah. Yes. Yeah. Although we intended to do that, but I'd say I could understand why it's a little yeah. Yeah. Exactly. Yeah. Yeah. Now Yeah. do you guys have any other questions for me before I let you go and enjoy the rest of your morning, otherwise? No. That's pretty good. Thanks. No? Okay. Yeah. Perfect. Yep. Now like I said, Peter, I do have you booked in next Wednesday, the twenty second at 09:30AM Yep. to go through that research with you. In the Yep. meantime, if you could have a look through that email I sent through, have a look through spam as well in case it Mhmm. does end up there. If you have any questions in regards to the document, just send me an email or give me a call. Otherwise, if you are happy to do so, it will just ask for your signature. It automatically comes back to us so we can get that all loaded and sorted for you. And I will also get the team to email you that lawyer information so that you have it Yeah. on hand if that would be helpful.","start_word":4821,"end_word":5088,"sentiment":"neutral","sentiment_score":0.01635526775368559},{"text":"Yep. That'd be good. Thank you.","start_word":5089,"end_word":5094,"sentiment":"positive","sentiment_score":0.5970110893249512},{"text":"Yep.","start_word":5095,"end_word":5095,"sentiment":"neutral","sentiment_score":0.32808995246887207},{"text":"Alright. Beautiful. Well, thank you so much for your time this morning, the two of you, and I look forward to speaking with you, Peter, next Wednesday. Okay. Thank you. Thank you.","start_word":5096,"end_word":5127,"sentiment":"positive","sentiment_score":0.7019510269165039},{"text":"No worries. We'll speak soon. Okay. Bye bye. Bye.","start_word":5128,"end_word":5136,"sentiment":"neutral","sentiment_score":0.17685306072235107}],"average":{"sentiment":"neutral","sentiment_score":0.07735518590320792}}}}