{"metadata":{"transaction_key":"deprecated","request_id":"01a0f684-28a4-70a0-b507-accfbbf3829c","sha256":"34a7652e733c611ac310ba4d366ddfa09a0f98dcef3f48e27728401ef5696997","created":"2026-10-01T08:10:53.475Z","duration":1527.2639,"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":5043,"output_tokens":121},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5711,"output_tokens":5723},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5711,"output_tokens":520}},"results":{"channels":[{"alternatives":[{"transcript":"Hello. This is Tommy speaking. Hello? Yeah. Absolutely. Pop her through when you're ready, man. Good evening, Joe. It's Tommy here. How are you doing? I'm doing fantastic. Thank you so much for calling me back in. Perfect. We have each other now. I've got I've got a bit of an annual view packet sent through to you on your email. Just wondering if you'll have to look on that with me today, or should I just kind of walk you through what I'm sending? Just sending it now. It usually takes a minute or so. It's got a bit of a few attachments there. But I'm just sending it through to the the Hotmail that we have on file. Perfect. Before I jump into it, is there anything in particular that you were hoping to get out of this review? Yeah. Just a bit of a general update, that kind of thing. Awesome. So while that's coming through here, what I might do if you do have a pen is I might just update a few details that we've got on file, and then I can kind of jump into that pack with you. How's that then? Perfect. So in terms of... Or start with goals to begin with, we had you kind of wanting to retire around about age 65 on about 1200 a week. We do have a few goals noted down to just obviously kind of build up a bit of a house deposit, purchase property, that kind of thing, being your your sort of main cash flow priority. Does that sound about right? Cool. Have you managed any headway on that at the moment? I know the world's gone crazy and the cost of living through the roof, but have you come with the deposit? That's totally so. It is. It is. I talk to Australians every single day, and I think 90% of my calls is just how difficult it is at the moment. So I I can leave that on there as a bit of a five year goal for yourself, and I can always just keep an eye on that together. Perfect. Now in terms of the occupation side of things, now please forgive me. We do have a new system, and I'm just merging everything across. I have the employer listed down as exact cleaning and maintenance. Is that right? Cool. And we did go through end of financial year recently. Do you know what the annual income is sitting out of the month? Yeah. I think we had you close to around the 80,000 miles. Is it close to that still? 68. I'll add that in. 68,000. And I'm assuming you're not doing a similar role as you were with Rexha. Is it still, like, project admin, or is it a bit different? Yep. That'll support the front desk, and that's all just kind of office space, working from home over the phone. All office space. Perfect. And you feel like you're able... I mean, you just said it was pretty hard, but are you able to set aside any savings at the moment per week that you're aiming for or not so much at the moment? Okay. I'll leave that. So, basically, I'm not gonna recommend any salary sacrifice to super or anything like that. If If you don't have the cash flow, we can come back to that later. Cool. In terms of assets and liabilities, we've got the motor vehicle there. Any other kind of... Any loans or or assets floating around, any cash or shares or anything? No. Perfect. That's out right. And I know that you were having a bit of, like, a like, a will on your to do list. Did you put one of those in place? Like, a a will and a power of attorney? Oh, yeah. Yeah. You talked about the beneficiary nominations for the super. Has to be like a financial dependent or something like that. Cool. One thing I was gonna double check with you too is for the life insurance. I wasn't able to see it today with Zurich whether your nephew is listed on there. But if he's not... Like, life insurance go to anybody. Do you want do you want him listed for at least a 100,000 of the life insurance? Or... Alrighty. I will have a little look at that. What I'll do is I'll get the team to kind of give Zurich a call when their office reopens tomorrow. And if that's not on there, we'll get the form sent out to you to the life insurance. Perfect. Outside of that, so the two yeah. Cool. I'll I'll have a look and I'll let you know. The super still still got him on there at the moment, but if there's no one else to to nominate, I'll then have to touch it. Cool. I'll just quickly touch base on the insurance for a minute, and then we'll jump into the super there. The the pack that I've sent you out, just to let you know what's kind of there, we've got a bit of a summary for the super insurances, your performance, the certificates of currency from Zurich for the life insurance, the disability, the income protection, a few service guides and consent forms from us, and a bit of a tax file number opt in form as well. Are you able to look onto that email with me at the moment, or how are you going to the tech side? Yeah. That's right. So with the Odoo system, if you actually click the sign button, it brings open all documents to scroll through. It doesn't actually sign anything until the end. So it may take a second to load, but you should see our letterhead at the top of the first one for the super and insurance summary. That's the one. So with Zurich, you've got a 110,000 of life and disability insurance. That's your your lump sum if you can never work again or you pass away. They're kind of linked together. And you wanted me to do any kind of changes or quotes for those amounts this year? Cool. When it comes to the income protection, so I do a little bit of a a calculation work back. Now just bear in mind, they cover you for 70% of your income, and they're technically insuring you for an income of 72,000. You mentioned 68,000, so it's pretty close, but you're technically a tiny bit over insured with your current income. Now it's one of the things where you can trim it down a little bit to try and get the premiums down. Probably wouldn't do too much, but does that sort of over insurance make sense? If I go 68070% in monthly... So, realistically, let's say you went on claim now and you said, oh, here's my tax return. I'm on 68,000. They would pay you 4,000 a month instead of 4,200 a month because that's your your income on paper. K? It's a thirty day waiting period. So if you're out of work for more than a month, so, you know, illness or injury, it'll kick in monthly for up to two years. Now are you expecting any kind of job changes or pay rises the next couple of years? Yeah. Right. Hopefully, aiming for a little bit more. Also, do you want me to kind of leave this one as is for now? And then if you do get that other job, we'll just kind of reassess the the amount. Oh, okay. Yeah. We'll do that. What I might do too is we'll get the team to kind of give you a buzz in a couple of weeks just to see how that went. Cool. Premiums, $215.07 per year, 15% rebate drops down under $2, so that's pretty good. I do need to keep an eye on premiums because the insurance would increase every year. I don't want you to be going backwards from. One thing I will double check with you is I believe you might have, like, a smoker's rates applied to the policy. I'm just wondering if you might be twelve months cigarette free or anything like that. Yeah. If we or if we already have since the last review or anything like that. That's okay. It's one of those fun things where, yeah, the excise tax makes everything get more expensive, and then they up your insurances too. So it's a little bit of a vicious cycle there. But, again, I'll pencil in for a bit of a a quick check on the the occupation in a couple of weeks. So I'll leave those alone for now. You don't have any trauma insurance as well. That's the last one for heart attack, stroke, and cancer, but that's more like a... You have to pay for that one out of pocket. Cool. Now swinging over to the super there, if you go to the next next document, you should see that big blue table for the hub 20 four report. Now I'm not sure if you're on computer or phone. I'm just wondering if you can make out any of the figures in that table or the words. Is it clear? Can you see it? Yep. That's the one. Now what I wanna kind of point out here on this one is I don't know if you're able to see all of the names of the funds on the left hand column where it's got, like, a Benelon and a BetaShares and a Global X Gold and all this kind of thing all down that left hand side. Now that's all of the options inside the server. There's a good sort of seven, eight of them. Some of them are for shares, some for gold, some for safe things like term deposits. What I really... I guess the way I'd explain it is if you put all of them together, it makes a bit of a pie chart for the different assets that you're invested in. Now you're in what's called a a growth portfolio. So, technically speaking, four out of five on the risk scale. You're a little bit above medium in terms of risk and return. You're not high risk. So what that does, we're basically putting 80% of your money into growth assets, which is like shares company goal, 20% in the safest side of things, if that makes sense. Cool. Now what I can kind of see here is the very right hand column, it gives you percentage returns for all those options. Now when I look at the portfolio, what I basically gotta do is say, okay. If you're in a growth portfolio, we we kind of want the super growing at about 9% of the year as a bit of a benchmark. Does that make sense? So some years it goes up 15. Some years it goes down 8%, that kind of thing. You've still cleared 9.2% after fees since you've been on board. It's had a bit of an up and down. I don't know if you... Do you log in to to look at your super every now and then? So what's basically been happening is January to March, we had the war on Iran kickoff, and it stopped us. It went down, then it went back up again, and then it's come down again last month. Basically, your super went from 213,000 down to $20.02 and then back up to $2.27. So it's kind of bounced back up into the positive this year. Now it's only up a few percent because of those market drops. Like I said, still going good since you've become a client about, but there's a couple of little points that I would like to address. The very top option and the very bottom option. I don't know if you can make out those percentages, but they've got brackets around. Yes. Yes. That's the one. So that option at the top, that dropped 17%, and the property at the bottom dropped 15. Everything else in the middle looks pretty well positive or double digit. What that basically means is when the government came out with that capital gains tax negative gearing law, the property options dropped, and the Australian market's also been dropping for the rate rises and and fuel prices as well. So what I can do is while you're going through the the the job application, I can do a bit of a research on a couple of options to maybe switch out to those. We don't maybe have to overhaul everything. It could just be a bit of an engine tune up on just a couple of options. Cool. Would you be comfortable for me to kind of try and find some lower fee investments as as well, maybe go for a slightly different style? Yeah. Absolutely. So what I'll do is we'll give you a call in a couple of weeks for the the other job plan. That'll give me an indication for the income protection. In the interim, I'll get the team to to look at a couple of options to mix in. We've got a couple we have been researching as well. That should at least, while the world's on fire, at least maybe drop the fees a little bit and hopefully bump up the returns a little bit until things calm down. Cool. Does all that make sense so far? Any questions at the moment? Cool. The last thing I'll ask you is when it comes to that risk profile I mentioned being broke, realistically, because you've got fifteen years into retirement, you've got the option either stay as you are and get as much growth as you can for, let's say, the next eight or nine years. When you're close to retirement, we can reduce the risk down so you don't lose it all when you've been in 64. Or you could kick it up into high growth if you really wanna try and increase the return, but that has increased the risk. Cool. We'll keep it as the growth profile, give it an engine sure enough, and we should be good for a while. Awesome. Now just for the rest of those documents that are in there, if you skip past to the next document, you'll see a big red Vanguard chart. Yeah. You may have seen this one a few times, but it basically just shows that if you factor in all of the stock market crashes and financial crises that happen, you can still get good returns long term as long as you've got enough time in the market. The next document there is your certificate of currency for the income protection. So that's just a validity certificate. If anything happens, we can help you with the claim and claims advice as well. If you click on the next one, that is your life and disability. Yeah. Yep. That's the next one. Now this one's got a few pages in it, but I just want you to... If you can scroll down. I don't know if you can skip pages or scroll down for us. You'll see basically, like, our our values and pictures of the team and directors. But when you get to about the thirteenth page, there'll be another blue document saying financial services guide about halfway down. Yeah. About 13 on the software. It'll be kind of the fourteenth on the document. And you'll see, like, at the end, there's a big team photo, and then it'll go back to another blue document that that you picture straight after it. Cool. Now if you could just go down... Yep. Does it say financial services guide on it rather than overview services? No. That's perfect. So if you go one more page, you'll see a couple of tables there, And you should see individually coupled with some little tables of, like, a fee structure. It was the one after fees and charges before the associate. Oh, yes. Cool. And the last page... Let me just have a quick look. Alright. That one. Oh, sorry. My computer's lagging now. The... It says financial advice for everyday Australians on the last page, but that one says financial services guide. It'd be... Oh, yes. So go backwards. I do apologize, sir. If you go back one to... Yeah. One to two pages, You'll see ongoing service fee with the individual clients in couple with a couple little pages in the middle. There we go. So what I wanted to let you know here is that OPU has updated its fee structure as a business. So previously, you were paying that 1.65% spread throughout the year, but we've added in some tier three discount. So, basically, everybody above $200,000 will start to get some discounted percentages, and then further discounts if you get 500,000 and million. So what I've done is I've added in a service agreement and consent form for you if you're happy to receive that that discount and remain the client for that. Perfect. What it will do too is it'll kind of just do a bit of a flat fee so it doesn't follow your balance up as well, and that'll save you a bit more. Is there a next document button there as well? Cool. So you should go to the consent. Not free yet. Not until we retire. But these are pretty much the last document. So if you are comfortable with the services, just have a pop on a signature at the bottom of that document, and then the last one will just be a tax file number opt in form. Yeah. Hopefully, it's pretty user friendly. It should just be a bit of a click and a stamp. Yeah. Today's date. Yep. And then once you go to the next document, it'll take you to the last one. So this is pretty much whether you're consenting for us to still hold the tax file number. It's a very important number. Just need to make sure that you're still okay for us to hold on to it. Yeah. It's what we use to open up the accounts and insurances and super funds and all that stuff. Cool. Yep. That'll come back through to us. You'll get a signed copy as well. If you ever need one, you can let us know, but it does give you options to download it, and that has come back signed. Thank you very much for that, Joe. So, basically, from here, I will get the team to double check those insurance beneficiaries for you. We'll give you a buzz in a couple of weeks to follow-up on how the job hunting went, and then we'll get you booked in to go through the updated investments you may after that. Perfect. Any questions for me before I let you go? Awesome. Thank you so much again for calling back in, and I'll talk to you in a few weeks. Thanks, Joe. See you later.","confidence":0.9951172,"words":[{"word":"hello","start":14.015,"end":14.415,"confidence":0.9104004,"punctuated_word":"Hello.","sentiment":"neutral","sentiment_score":0.0023164316080510616},{"word":"this","start":14.415,"end":14.655001,"confidence":0.9970703,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.0005183108150959015},{"word":"is","start":14.655001,"end":14.735001,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0010532988235354424},{"word":"tommy","start":14.735001,"end":15.135,"confidence":0.5541992,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.0008589206263422966},{"word":"speaking","start":15.135,"end":15.635,"confidence":0.99853516,"punctuated_word":"speaking.","sentiment":"neutral","sentiment_score":0.003924241755157709},{"word":"hello","start":22.335,"end":22.835,"confidence":0.69262695,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":-0.0026927446015179157},{"word":"yeah","start":29.39,"end":29.79,"confidence":0.7717285,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02243982069194317},{"word":"absolutely","start":29.79,"end":30.29,"confidence":0.9880371,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.08104607462882996},{"word":"pop","start":30.51,"end":30.75,"confidence":0.9760742,"punctuated_word":"Pop","sentiment":"neutral","sentiment_score":0.04492541030049324},{"word":"her","start":30.75,"end":30.990002,"confidence":0.99316406,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.033013757318258286},{"word":"through","start":30.990002,"end":31.23,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04259970039129257},{"word":"when","start":31.23,"end":31.470001,"confidence":0.99609375,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.039177849888801575},{"word":"you're","start":31.470001,"end":31.550001,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.04412215203046799},{"word":"ready","start":31.550001,"end":31.87,"confidence":0.8835449,"punctuated_word":"ready,","sentiment":"neutral","sentiment_score":0.060541339218616486},{"word":"man","start":31.87,"end":32.370003,"confidence":0.9255371,"punctuated_word":"man.","sentiment":"neutral","sentiment_score":0.05551987886428833},{"word":"good","start":48.045,"end":48.284996,"confidence":0.87597656,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.3611035943031311},{"word":"evening","start":48.284996,"end":48.684998,"confidence":0.99560547,"punctuated_word":"evening,","sentiment":"positive","sentiment_score":0.386666476726532},{"word":"joe","start":48.684998,"end":48.925,"confidence":0.9770508,"punctuated_word":"Joe.","sentiment":"positive","sentiment_score":0.3601175546646118},{"word":"it's","start":48.925,"end":49.324997,"confidence":0.9980469,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2949530780315399},{"word":"tommy","start":49.324997,"end":49.725,"confidence":0.91845703,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.2198047935962677},{"word":"here","start":49.725,"end":49.964996,"confidence":0.9995117,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.25292059779167175},{"word":"how","start":49.964996,"end":50.125,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2615694999694824},{"word":"are","start":50.125,"end":50.204998,"confidence":0.69091797,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.24769845604896543},{"word":"you","start":50.204998,"end":50.284996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2181629538536072},{"word":"doing","start":50.284996,"end":50.784996,"confidence":1.0,"punctuated_word":"doing?","sentiment":"neutral","sentiment_score":0.23913362622261047},{"word":"i'm","start":53.510002,"end":53.75,"confidence":0.9946289,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6578161120414734},{"word":"doing","start":53.75,"end":54.07,"confidence":0.9667969,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.683342695236206},{"word":"fantastic","start":54.07,"end":54.57,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.7449914813041687},{"word":"thank","start":54.63,"end":54.79,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6842018961906433},{"word":"you","start":54.79,"end":54.870003,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7428593635559082},{"word":"so","start":54.870003,"end":55.03,"confidence":0.9970703,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7111871838569641},{"word":"much","start":55.03,"end":55.190002,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.7468453049659729},{"word":"for","start":55.190002,"end":55.350002,"confidence":0.9980469,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7003939151763916},{"word":"calling","start":55.350002,"end":55.59,"confidence":0.9741211,"punctuated_word":"calling","sentiment":"positive","sentiment_score":0.621104896068573},{"word":"me","start":55.59,"end":55.670002,"confidence":0.44604492,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.6459100842475891},{"word":"back","start":55.670002,"end":55.83,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.6750675439834595},{"word":"in","start":55.83,"end":56.33,"confidence":0.9946289,"punctuated_word":"in.","sentiment":"positive","sentiment_score":0.6444733142852783},{"word":"perfect","start":59.59,"end":59.99,"confidence":0.9980469,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5397565364837646},{"word":"we","start":59.99,"end":60.15,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.2791524827480316},{"word":"have","start":60.15,"end":60.39,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.25384384393692017},{"word":"each","start":60.39,"end":60.550003,"confidence":1.0,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.18361561000347135},{"word":"other","start":60.550003,"end":60.79,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.2427744418382645},{"word":"now","start":60.79,"end":61.03,"confidence":0.99853516,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.2877511978149414},{"word":"i've","start":61.03,"end":61.27,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.117361381649971},{"word":"got","start":61.27,"end":61.77,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10575886815786362},{"word":"i've","start":61.99,"end":62.15,"confidence":0.91308594,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.11244718730449677},{"word":"got","start":62.15,"end":62.31,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10980150103569032},{"word":"a","start":62.31,"end":62.47,"confidence":0.9135742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1105882003903389},{"word":"bit","start":62.47,"end":62.71,"confidence":0.97509766,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1182837337255478},{"word":"of","start":62.71,"end":62.870003,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13536204397678375},{"word":"an","start":62.870003,"end":63.03,"confidence":0.9941406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.11947275698184968},{"word":"annual","start":63.03,"end":63.43,"confidence":0.99902344,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.13653042912483215},{"word":"view","start":63.43,"end":63.75,"confidence":0.5449219,"punctuated_word":"view","sentiment":"neutral","sentiment_score":0.172538623213768},{"word":"packet","start":63.75,"end":64.15,"confidence":0.5961914,"punctuated_word":"packet","sentiment":"neutral","sentiment_score":0.10539057105779648},{"word":"sent","start":64.15,"end":64.47,"confidence":0.8642578,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.11772386729717256},{"word":"through","start":64.47,"end":64.71,"confidence":0.9863281,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12882493436336517},{"word":"to","start":64.71,"end":65.11,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14808392524719238},{"word":"you","start":65.11,"end":65.35,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17151488363742828},{"word":"on","start":65.35,"end":65.67,"confidence":0.9941406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14220796525478363},{"word":"your","start":65.67,"end":66.07,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18548566102981567},{"word":"email","start":66.07,"end":66.57,"confidence":0.99853516,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.1571166068315506},{"word":"just","start":67.585,"end":67.905,"confidence":0.9135742,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.06691263616085052},{"word":"wondering","start":67.905,"end":68.405,"confidence":1.0,"punctuated_word":"wondering","sentiment":"neutral","sentiment_score":0.04991583153605461},{"word":"if","start":68.625,"end":68.945,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06087988615036011},{"word":"you'll","start":68.945,"end":69.265,"confidence":0.8269043,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.08989762514829636},{"word":"have","start":69.265,"end":69.585,"confidence":0.97802734,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12368696182966232},{"word":"to","start":69.585,"end":69.745,"confidence":0.890625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09993306547403336},{"word":"look","start":69.745,"end":69.985,"confidence":0.98095703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11147191375494005},{"word":"on","start":69.985,"end":70.225,"confidence":0.97314453,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10457952320575714},{"word":"that","start":70.225,"end":70.465004,"confidence":0.5834961,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1607382595539093},{"word":"with","start":70.465004,"end":70.625,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10476095974445344},{"word":"me","start":70.625,"end":70.865005,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.17962095141410828},{"word":"today","start":70.865005,"end":71.365005,"confidence":0.9160156,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.12126914411783218},{"word":"or","start":71.585,"end":71.745,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08402900397777557},{"word":"should","start":71.745,"end":71.985,"confidence":0.51953125,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.08239199966192245},{"word":"i","start":71.985,"end":72.065,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13226278126239777},{"word":"just","start":72.065,"end":72.305,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1350288689136505},{"word":"kind","start":72.305,"end":72.465004,"confidence":0.5917969,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1417304128408432},{"word":"of","start":72.465004,"end":72.545,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15866898000240326},{"word":"walk","start":72.545,"end":72.705,"confidence":0.9980469,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.14739568531513214},{"word":"you","start":72.705,"end":72.945,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09284573793411256},{"word":"through","start":72.945,"end":73.425,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10754313319921494},{"word":"what","start":73.425,"end":73.665,"confidence":0.97998047,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08642639964818954},{"word":"i'm","start":73.665,"end":73.825005,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08049711585044861},{"word":"sending","start":73.825005,"end":74.325005,"confidence":0.95458984,"punctuated_word":"sending?","sentiment":"neutral","sentiment_score":0.05301880091428757},{"word":"just","start":80.61,"end":80.93,"confidence":0.61083984,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.021679839119315147},{"word":"sending","start":80.93,"end":81.25,"confidence":0.99902344,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":0.022785868495702744},{"word":"it","start":81.25,"end":81.49,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.027226291596889496},{"word":"now","start":81.49,"end":81.729996,"confidence":0.74609375,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.017559725791215897},{"word":"it","start":81.729996,"end":81.89,"confidence":0.83447266,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.019604474306106567},{"word":"usually","start":81.89,"end":82.28999,"confidence":1.0,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.01544434390962124},{"word":"takes","start":82.28999,"end":82.78999,"confidence":0.9980469,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.02932389080524445},{"word":"a","start":82.93,"end":83.17,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0279944259673357},{"word":"minute","start":83.17,"end":83.409996,"confidence":0.8828125,"punctuated_word":"minute","sentiment":"neutral","sentiment_score":0.03344282880425453},{"word":"or","start":83.409996,"end":83.57,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.015701722353696823},{"word":"so","start":83.57,"end":83.96999,"confidence":0.9482422,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.015232034027576448},{"word":"it's","start":83.96999,"end":84.13,"confidence":0.8093262,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.020969945937395096},{"word":"got","start":84.13,"end":84.28999,"confidence":0.9658203,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.028361547738313675},{"word":"a","start":84.28999,"end":84.369995,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.013224001042544842},{"word":"bit","start":84.369995,"end":84.61,"confidence":0.9941406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.01254384219646454},{"word":"of","start":84.61,"end":85.09,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01603969931602478},{"word":"a","start":85.09,"end":85.329994,"confidence":0.9404297,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009830204769968988},{"word":"few","start":85.329994,"end":85.649994,"confidence":0.9560547,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.01034490391612053},{"word":"attachments","start":85.649994,"end":86.149994,"confidence":0.9892578,"punctuated_word":"attachments","sentiment":"neutral","sentiment_score":0.007869814522564411},{"word":"there","start":86.21,"end":86.71,"confidence":0.77124023,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.011114519089460371},{"word":"but","start":87.009995,"end":87.25,"confidence":0.9013672,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.023982351645827293},{"word":"i'm","start":87.25,"end":87.409996,"confidence":0.99609375,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03455290198326111},{"word":"just","start":87.409996,"end":87.57,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03282313421368599},{"word":"sending","start":87.57,"end":87.89,"confidence":0.99902344,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":0.030554817989468575},{"word":"it","start":87.89,"end":88.049995,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0356319360435009},{"word":"through","start":88.049995,"end":88.369995,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.02675710991024971},{"word":"to","start":88.369995,"end":88.45,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03558461368083954},{"word":"the","start":88.45,"end":88.85,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05020517855882645},{"word":"the","start":88.85,"end":89.009995,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05282113701105118},{"word":"hotmail","start":89.009995,"end":89.409996,"confidence":0.73657227,"punctuated_word":"Hotmail","sentiment":"neutral","sentiment_score":0.045565348118543625},{"word":"that","start":89.409996,"end":89.57,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04972991347312927},{"word":"we","start":89.57,"end":89.649994,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0503465011715889},{"word":"have","start":89.649994,"end":89.89,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04827503487467766},{"word":"on","start":89.89,"end":90.13,"confidence":0.9741211,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.031816624104976654},{"word":"file","start":90.13,"end":90.63,"confidence":0.98950195,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.04797324538230896},{"word":"perfect","start":93.674995,"end":94.174995,"confidence":0.99560547,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3746347427368164},{"word":"before","start":94.395,"end":94.634995,"confidence":0.88671875,"punctuated_word":"Before","sentiment":"neutral","sentiment_score":0.07976110279560089},{"word":"i","start":94.634995,"end":94.795,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07675782591104507},{"word":"jump","start":94.795,"end":95.034996,"confidence":0.9506836,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.06818751245737076},{"word":"into","start":95.034996,"end":95.274994,"confidence":0.9863281,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0808473527431488},{"word":"it","start":95.274994,"end":95.354996,"confidence":0.99365234,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.0575115829706192},{"word":"is","start":95.354996,"end":95.515,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0012487880885601044},{"word":"there","start":95.515,"end":95.674995,"confidence":0.9658203,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.011468376964330671},{"word":"anything","start":95.674995,"end":95.994995,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.02886289730668068},{"word":"in","start":95.994995,"end":96.235,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.008725132793188095},{"word":"particular","start":96.235,"end":96.735,"confidence":1.0,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":0.029605984687805176},{"word":"that","start":96.795,"end":96.875,"confidence":0.8881836,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012598853558301926},{"word":"you","start":96.875,"end":97.115,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015992969274520874},{"word":"were","start":97.115,"end":97.274994,"confidence":0.6298828,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.0057261623442173},{"word":"hoping","start":97.274994,"end":97.595,"confidence":0.9863281,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.013288185000419617},{"word":"to","start":97.595,"end":97.674995,"confidence":0.48950195,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.024453088641166687},{"word":"get","start":97.674995,"end":97.915,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03037034347653389},{"word":"out","start":97.915,"end":98.075,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04110758751630783},{"word":"of","start":98.075,"end":98.575,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04276293143630028},{"word":"this","start":98.715,"end":98.954994,"confidence":0.96435547,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.03166598826646805},{"word":"review","start":98.954994,"end":99.454994,"confidence":0.9995117,"punctuated_word":"review?","sentiment":"neutral","sentiment_score":0.0024348683655261993},{"word":"yeah","start":107.240005,"end":107.4,"confidence":0.91674805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.009008772671222689},{"word":"just","start":107.4,"end":107.520004,"confidence":0.9580078,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.013339877128601074},{"word":"a","start":107.520004,"end":107.64001,"confidence":0.58984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.005974931642413139},{"word":"bit","start":107.64001,"end":107.8,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.007370643317699432},{"word":"of","start":107.8,"end":107.880005,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.001318458467721939},{"word":"a","start":107.880005,"end":108.04,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0038737542927265167},{"word":"general","start":108.04,"end":108.36,"confidence":1.0,"punctuated_word":"general","sentiment":"neutral","sentiment_score":-0.006856430321931839},{"word":"update","start":108.36,"end":108.68,"confidence":0.90625,"punctuated_word":"update,","sentiment":"neutral","sentiment_score":-0.010956311598420145},{"word":"that","start":108.68,"end":108.920006,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0099576935172081},{"word":"kind","start":108.920006,"end":109.08,"confidence":0.93408203,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.015510328114032744},{"word":"of","start":109.08,"end":109.16,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004796385765075684},{"word":"thing","start":109.16,"end":109.66,"confidence":0.94018555,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.0037661436945199966},{"word":"awesome","start":111.880005,"end":112.36,"confidence":0.9995117,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.19385798275470736},{"word":"so","start":112.36,"end":112.68,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09627893567085266},{"word":"while","start":112.68,"end":112.920006,"confidence":0.9980469,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.08478987216949463},{"word":"that's","start":112.920006,"end":113.16,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.09411721676588058},{"word":"coming","start":113.16,"end":113.48,"confidence":0.9658203,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.09720353782176971},{"word":"through","start":113.48,"end":113.72,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07750863581895828},{"word":"here","start":113.72,"end":114.04,"confidence":0.9589844,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.07175475358963013},{"word":"what","start":114.04,"end":114.36,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09766961634159088},{"word":"i","start":114.36,"end":114.44,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08305705338716507},{"word":"might","start":114.44,"end":114.68,"confidence":0.99316406,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.10047225654125214},{"word":"do","start":114.68,"end":114.920006,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0911511331796646},{"word":"if","start":114.920006,"end":115.08,"confidence":0.6845703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09879232943058014},{"word":"you","start":115.08,"end":115.16,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0838257297873497},{"word":"do","start":115.16,"end":115.4,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10010889917612076},{"word":"have","start":115.4,"end":115.560005,"confidence":0.9873047,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10610662400722504},{"word":"a","start":115.560005,"end":115.64,"confidence":0.6953125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08821696043014526},{"word":"pen","start":115.64,"end":116.14,"confidence":0.32617188,"punctuated_word":"pen","sentiment":"neutral","sentiment_score":0.05159685388207435},{"word":"is","start":116.28001,"end":116.520004,"confidence":0.7421875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08385898172855377},{"word":"i","start":116.520004,"end":116.68,"confidence":0.9819336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1178898885846138},{"word":"might","start":116.68,"end":116.840004,"confidence":0.98828125,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.12486450374126434},{"word":"just","start":116.840004,"end":117.16,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11671049892902374},{"word":"update","start":117.16,"end":117.48,"confidence":0.99902344,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.09847937524318696},{"word":"a","start":117.48,"end":117.64,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09317263960838318},{"word":"few","start":117.64,"end":117.880005,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.082466721534729},{"word":"details","start":117.880005,"end":118.28001,"confidence":0.99902344,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.09088169783353806},{"word":"that","start":118.28001,"end":118.44,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10601527243852615},{"word":"we've","start":118.44,"end":118.600006,"confidence":0.99121094,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.1042199283838272},{"word":"got","start":118.600006,"end":118.840004,"confidence":0.98828125,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.12683629989624023},{"word":"on","start":118.840004,"end":119.16,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09671200811862946},{"word":"file","start":119.16,"end":119.64,"confidence":0.9140625,"punctuated_word":"file,","sentiment":"neutral","sentiment_score":0.1444566547870636},{"word":"and","start":119.64,"end":119.8,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16402675211429596},{"word":"then","start":119.8,"end":120.04,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1834835559129715},{"word":"i","start":120.04,"end":120.12,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15108859539031982},{"word":"can","start":120.12,"end":120.28001,"confidence":0.9760742,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16173158586025238},{"word":"kind","start":120.28001,"end":120.520004,"confidence":0.9111328,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.13419291377067566},{"word":"of","start":120.520004,"end":120.68,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17690496146678925},{"word":"jump","start":120.68,"end":120.840004,"confidence":0.99902344,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.13344034552574158},{"word":"into","start":120.840004,"end":121.16,"confidence":0.9951172,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.16129522025585177},{"word":"that","start":121.16,"end":121.4,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1897678375244141},{"word":"pack","start":121.4,"end":121.560005,"confidence":0.5239258,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.11745436489582062},{"word":"with","start":121.560005,"end":121.8,"confidence":0.9277344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14374184608459473},{"word":"you","start":121.8,"end":121.880005,"confidence":0.986084,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11642571538686752},{"word":"how's","start":121.880005,"end":122.12,"confidence":0.9536133,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.08962579071521759},{"word":"that","start":122.12,"end":122.28001,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11427800357341766},{"word":"then","start":122.28001,"end":122.625,"confidence":0.8327637,"punctuated_word":"then?","sentiment":"neutral","sentiment_score":0.09768769145011902},{"word":"perfect","start":125.585,"end":126.085,"confidence":0.99560547,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.699042797088623},{"word":"so","start":126.225,"end":126.625,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1941230744123459},{"word":"in","start":126.625,"end":126.785,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15224139392375946},{"word":"terms","start":126.785,"end":127.185,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.1156882643699646},{"word":"of","start":127.185,"end":127.685,"confidence":1.0,"punctuated_word":"of...","sentiment":"neutral","sentiment_score":0.13985159993171692},{"word":"or","start":127.985,"end":128.145,"confidence":0.28955078,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.14243867993354797},{"word":"start","start":128.145,"end":128.465,"confidence":0.6743164,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.09563541412353516},{"word":"with","start":128.465,"end":128.625,"confidence":0.67285156,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12912899255752563},{"word":"goals","start":128.625,"end":128.945,"confidence":0.67822266,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.1065240278840065},{"word":"to","start":128.945,"end":129.105,"confidence":0.8442383,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10520227998495102},{"word":"begin","start":129.105,"end":129.425,"confidence":0.99902344,"punctuated_word":"begin","sentiment":"neutral","sentiment_score":0.08352303504943848},{"word":"with","start":129.425,"end":129.925,"confidence":0.7758789,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.14345140755176544},{"word":"we","start":129.985,"end":130.385,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17229832708835602},{"word":"had","start":130.385,"end":130.545,"confidence":0.98291016,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.12804363667964935},{"word":"you","start":130.545,"end":130.785,"confidence":0.9760742,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1295420080423355},{"word":"kind","start":130.785,"end":130.945,"confidence":0.92578125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.15739810466766355},{"word":"of","start":130.945,"end":131.025,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1645977944135666},{"word":"wanting","start":131.025,"end":131.345,"confidence":0.9902344,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.15544219315052032},{"word":"to","start":131.345,"end":131.505,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1947924792766571},{"word":"retire","start":131.505,"end":131.985,"confidence":1.0,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.1534438282251358},{"word":"around","start":131.985,"end":132.385,"confidence":0.9482422,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.14908680319786072},{"word":"about","start":132.385,"end":132.705,"confidence":0.97509766,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13576391339302063},{"word":"age","start":132.705,"end":132.945,"confidence":0.77001953,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.09651466459035872},{"word":"65","start":132.945,"end":133.845,"confidence":0.9970703,"punctuated_word":"65","sentiment":"neutral","sentiment_score":0.1386483907699585},{"word":"on","start":134.065,"end":134.305,"confidence":0.92822266,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12551280856132507},{"word":"about","start":134.305,"end":134.545,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1548219621181488},{"word":"1200","start":134.545,"end":135.185,"confidence":0.9995117,"punctuated_word":"1200","sentiment":"neutral","sentiment_score":0.1361248642206192},{"word":"a","start":135.185,"end":135.265,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1400594413280487},{"word":"week","start":135.265,"end":135.66,"confidence":0.9980469,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.11604630947113036},{"word":"we","start":135.90001,"end":136.14,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.18970629572868347},{"word":"do","start":136.14,"end":136.3,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.22265173494815824},{"word":"have","start":136.3,"end":136.54001,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20175573229789737},{"word":"a","start":136.54001,"end":136.62001,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2359902709722519},{"word":"few","start":136.62001,"end":136.94,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.22068437933921817},{"word":"goals","start":136.94,"end":137.26001,"confidence":0.9892578,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.21009007096290588},{"word":"noted","start":137.26001,"end":137.58,"confidence":0.9658203,"punctuated_word":"noted","sentiment":"positive","sentiment_score":0.34433114528656006},{"word":"down","start":137.58,"end":137.90001,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2846292555332184},{"word":"to","start":137.90001,"end":138.06,"confidence":0.83447266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2992543876171112},{"word":"just","start":138.06,"end":138.3,"confidence":0.74560547,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24312637746334076},{"word":"obviously","start":138.3,"end":138.8,"confidence":0.796875,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.2141408920288086},{"word":"kind","start":139.1,"end":139.34,"confidence":0.5131836,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.20279954373836517},{"word":"of","start":139.34,"end":139.42,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2425043433904648},{"word":"build","start":139.42,"end":139.66,"confidence":0.76416016,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.2311098277568817},{"word":"up","start":139.66,"end":139.74,"confidence":0.94970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.29847434163093567},{"word":"a","start":139.74,"end":139.82,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25884971022605896},{"word":"bit","start":139.82,"end":140.06,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.26092371344566345},{"word":"of","start":140.06,"end":140.14,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3208714425563812},{"word":"a","start":140.14,"end":140.22,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29634976387023926},{"word":"house","start":140.22,"end":140.54001,"confidence":0.9892578,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.1679072082042694},{"word":"deposit","start":140.54001,"end":141.04001,"confidence":0.9904785,"punctuated_word":"deposit,","sentiment":"neutral","sentiment_score":0.1849435567855835},{"word":"purchase","start":141.74,"end":142.22,"confidence":0.95166016,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.1590404361486435},{"word":"property","start":142.22,"end":142.72,"confidence":0.96313477,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.18883465230464935},{"word":"that","start":143.1,"end":143.42,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23512566089630127},{"word":"kind","start":143.42,"end":143.58,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11915640532970428},{"word":"of","start":143.58,"end":143.74,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1866944581270218},{"word":"thing","start":143.74,"end":144.22,"confidence":0.86083984,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.23939070105552673},{"word":"being","start":144.22,"end":144.54001,"confidence":0.7631836,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.24858282506465912},{"word":"your","start":144.54001,"end":144.86,"confidence":0.64697266,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18680936098098755},{"word":"your","start":144.86,"end":145.1,"confidence":0.9550781,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17112743854522705},{"word":"sort","start":145.1,"end":145.26001,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.17018556594848633},{"word":"of","start":145.26001,"end":145.5,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1882091164588928},{"word":"main","start":145.5,"end":146.0,"confidence":0.9980469,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.20946276187896729},{"word":"cash","start":146.06,"end":146.38,"confidence":0.99609375,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.16019946336746216},{"word":"flow","start":146.38,"end":146.7,"confidence":0.9394531,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.20084622502326965},{"word":"priority","start":146.7,"end":147.2,"confidence":0.9941406,"punctuated_word":"priority.","sentiment":"neutral","sentiment_score":0.1620962768793106},{"word":"does","start":147.5,"end":147.66,"confidence":0.9902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.08476565778255463},{"word":"that","start":147.66,"end":147.90001,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1521098166704178},{"word":"sound","start":147.90001,"end":148.14,"confidence":1.0,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.08748874813318253},{"word":"about","start":148.14,"end":148.38,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06052985042333603},{"word":"right","start":148.38,"end":148.88,"confidence":0.9970703,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.07473500818014145},{"word":"cool","start":151.945,"end":152.445,"confidence":0.6484375,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.21636439859867096},{"word":"have","start":152.985,"end":153.145,"confidence":0.9482422,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.09897485375404358},{"word":"you","start":153.145,"end":153.38501,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10580137372016908},{"word":"managed","start":153.38501,"end":153.785,"confidence":0.93603516,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.17110110819339752},{"word":"any","start":153.785,"end":153.945,"confidence":0.99609375,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.21602696180343628},{"word":"headway","start":153.945,"end":154.345,"confidence":0.91674805,"punctuated_word":"headway","sentiment":"neutral","sentiment_score":0.1628788411617279},{"word":"on","start":154.345,"end":154.425,"confidence":0.9038086,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07881403714418411},{"word":"that","start":154.425,"end":154.585,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12356612086296082},{"word":"at","start":154.585,"end":154.66501,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.054226674139499664},{"word":"the","start":154.66501,"end":154.74501,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08925385773181915},{"word":"moment","start":154.74501,"end":155.065,"confidence":0.9975586,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.08684337884187698},{"word":"i","start":155.065,"end":155.145,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09346365928649902},{"word":"know","start":155.145,"end":155.38501,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.11429613828659058},{"word":"the","start":155.38501,"end":155.46501,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11923491954803468},{"word":"world's","start":155.46501,"end":155.785,"confidence":0.9501953,"punctuated_word":"world's","sentiment":"neutral","sentiment_score":-0.13610848784446716},{"word":"gone","start":155.785,"end":156.02501,"confidence":0.8671875,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.15305691957473755},{"word":"crazy","start":156.02501,"end":156.505,"confidence":0.99902344,"punctuated_word":"crazy","sentiment":"neutral","sentiment_score":-0.0916406661272049},{"word":"and","start":156.505,"end":156.66501,"confidence":0.7597656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13328546285629272},{"word":"the","start":156.66501,"end":156.82501,"confidence":0.89746094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18413284420967105},{"word":"cost","start":156.82501,"end":157.065,"confidence":0.7607422,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.11884202063083649},{"word":"of","start":157.065,"end":157.145,"confidence":0.89990234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17819082736968994},{"word":"living","start":157.145,"end":157.46501,"confidence":1.0,"punctuated_word":"living","sentiment":"neutral","sentiment_score":-0.15963855385780334},{"word":"through","start":157.46501,"end":157.785,"confidence":0.71728516,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.18817298114299777},{"word":"the","start":157.785,"end":157.865,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13873082399368286},{"word":"roof","start":157.865,"end":158.10501,"confidence":0.9382324,"punctuated_word":"roof,","sentiment":"neutral","sentiment_score":-0.11061687767505646},{"word":"but","start":158.10501,"end":158.345,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07401309162378311},{"word":"have","start":158.345,"end":158.505,"confidence":0.93603516,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.09068406373262404},{"word":"you","start":158.505,"end":158.66501,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.20749109983444217},{"word":"come","start":158.66501,"end":158.905,"confidence":0.81591797,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.17567390203475952},{"word":"with","start":158.905,"end":159.065,"confidence":0.8520508,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.18219564855098724},{"word":"the","start":159.065,"end":159.225,"confidence":0.8647461,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24217981100082395},{"word":"deposit","start":159.225,"end":159.725,"confidence":0.9819336,"punctuated_word":"deposit?","sentiment":"neutral","sentiment_score":-0.2126716524362564},{"word":"that's","start":163.945,"end":164.265,"confidence":0.90356445,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.2892192304134369},{"word":"totally","start":164.265,"end":164.765,"confidence":0.93847656,"punctuated_word":"totally","sentiment":"neutral","sentiment_score":-0.1922868490219116},{"word":"so","start":164.905,"end":165.27,"confidence":0.861084,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.20734943449497223},{"word":"it","start":165.75,"end":165.83,"confidence":0.9614258,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.08049756288528442},{"word":"is","start":165.83,"end":166.23001,"confidence":0.9790039,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.05311007797718048},{"word":"it","start":166.23001,"end":166.47,"confidence":0.9970703,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.004171110689640045},{"word":"is","start":166.47,"end":166.71,"confidence":0.9975586,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.032329149544239044},{"word":"i","start":166.71,"end":167.21,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.021874770522117615},{"word":"talk","start":167.27,"end":167.51001,"confidence":0.8857422,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.002370379865169525},{"word":"to","start":167.51001,"end":167.75,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03627423197031021},{"word":"australians","start":167.75,"end":168.23001,"confidence":0.93408203,"punctuated_word":"Australians","sentiment":"neutral","sentiment_score":0.05677926540374756},{"word":"every","start":168.23001,"end":168.47,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.0006237924098968506},{"word":"single","start":168.47,"end":168.71,"confidence":1.0,"punctuated_word":"single","sentiment":"neutral","sentiment_score":0.02043064683675766},{"word":"day","start":168.71,"end":169.03,"confidence":0.9526367,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":0.038209713995456696},{"word":"and","start":169.03,"end":169.27,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01270158588886261},{"word":"i","start":169.27,"end":169.35,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0005168542265892029},{"word":"think","start":169.35,"end":169.75,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0047774165868759155},{"word":"90%","start":169.75,"end":170.39,"confidence":0.99609375,"punctuated_word":"90%","sentiment":"neutral","sentiment_score":0.032728441059589386},{"word":"of","start":170.39,"end":170.55,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.022310294210910797},{"word":"my","start":170.55,"end":170.71,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0018221065402030945},{"word":"calls","start":170.71,"end":171.03,"confidence":0.96435547,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":-0.03735785186290741},{"word":"is","start":171.03,"end":171.27,"confidence":0.4260254,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06007350981235504},{"word":"just","start":171.27,"end":171.59,"confidence":0.53466797,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.11509716510772704},{"word":"how","start":171.59,"end":171.83,"confidence":0.58984375,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.1948438286781311},{"word":"difficult","start":171.83,"end":172.23001,"confidence":0.65722656,"punctuated_word":"difficult","sentiment":"neutral","sentiment_score":-0.19695082306861875},{"word":"it","start":172.23001,"end":172.39,"confidence":0.9291992,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.16640222072601318},{"word":"is","start":172.39,"end":172.63,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.18397420644760132},{"word":"at","start":172.63,"end":172.71,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1803126037120819},{"word":"the","start":172.71,"end":172.87001,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08578546345233917},{"word":"moment","start":172.87001,"end":173.37001,"confidence":0.97802734,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.061726611107587814},{"word":"so","start":173.51001,"end":173.83,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06335844844579697},{"word":"i","start":173.83,"end":174.07,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08604101836681366},{"word":"i","start":174.07,"end":174.15001,"confidence":0.9770508,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13174301385879517},{"word":"can","start":174.15001,"end":174.31,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15224868059158325},{"word":"leave","start":174.31,"end":174.55,"confidence":0.9970703,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.18772099912166595},{"word":"that","start":174.55,"end":174.71,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2319501042366028},{"word":"on","start":174.71,"end":174.87001,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.19288873672485352},{"word":"there","start":174.87001,"end":175.11,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.23560088872909543},{"word":"as","start":175.11,"end":175.27,"confidence":0.86572266,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23632371425628665},{"word":"a","start":175.27,"end":175.35,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25564584136009216},{"word":"bit","start":175.35,"end":175.59,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1522008776664734},{"word":"of","start":175.59,"end":175.75,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21802449226379397},{"word":"a","start":175.75,"end":175.83,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22066166996955872},{"word":"five","start":175.83,"end":176.07,"confidence":0.984375,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.1287802755832672},{"word":"year","start":176.07,"end":176.31,"confidence":0.9970703,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.2239699363708496},{"word":"goal","start":176.31,"end":176.55,"confidence":0.9873047,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.17516577243804932},{"word":"for","start":176.55,"end":176.71,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19735468924045563},{"word":"yourself","start":176.71,"end":177.21,"confidence":0.8754883,"punctuated_word":"yourself,","sentiment":"neutral","sentiment_score":0.18604734539985657},{"word":"and","start":177.43001,"end":177.91,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1666281819343567},{"word":"i","start":177.91,"end":177.99,"confidence":0.64501953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18017905950546265},{"word":"can","start":177.99,"end":178.23001,"confidence":0.9951172,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22815954685211184},{"word":"always","start":178.23001,"end":178.47,"confidence":0.9326172,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.1945725381374359},{"word":"just","start":178.47,"end":178.71,"confidence":0.98095703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13476058840751648},{"word":"keep","start":178.71,"end":178.87001,"confidence":0.9448242,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.09896543622016908},{"word":"an","start":178.87001,"end":179.03,"confidence":0.9819336,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10807830840349196},{"word":"eye","start":179.03,"end":179.11,"confidence":1.0,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.06867288798093796},{"word":"on","start":179.11,"end":179.27,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12352420389652252},{"word":"that","start":179.27,"end":179.43001,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15449297428131104},{"word":"together","start":179.43001,"end":179.895,"confidence":0.99902344,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.08284832537174225},{"word":"perfect","start":182.455,"end":182.955,"confidence":0.99194336,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4781048893928528},{"word":"now","start":183.335,"end":183.575,"confidence":0.9448242,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.14852921664714813},{"word":"in","start":183.575,"end":183.735,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05514749139547348},{"word":"terms","start":183.735,"end":184.13501,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.04710431024432182},{"word":"of","start":184.13501,"end":184.615,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05936293676495552},{"word":"the","start":184.615,"end":185.115,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04785095900297165},{"word":"occupation","start":185.41501,"end":185.91501,"confidence":0.88671875,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":0.05550096184015274},{"word":"side","start":186.05501,"end":186.215,"confidence":0.9589844,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.01506677269935608},{"word":"of","start":186.215,"end":186.295,"confidence":0.94384766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02310233935713768},{"word":"things","start":186.295,"end":186.535,"confidence":0.90527344,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.028705358505249023},{"word":"now","start":186.535,"end":186.77501,"confidence":0.9165039,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.0026797130703926086},{"word":"please","start":186.77501,"end":187.015,"confidence":0.9838867,"punctuated_word":"please","sentiment":"neutral","sentiment_score":-0.06905018538236618},{"word":"forgive","start":187.015,"end":187.255,"confidence":0.9951172,"punctuated_word":"forgive","sentiment":"neutral","sentiment_score":-0.05512615293264389},{"word":"me","start":187.255,"end":187.41501,"confidence":0.951416,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.019872106611728668},{"word":"we","start":187.41501,"end":187.575,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.05187266319990158},{"word":"do","start":187.575,"end":187.735,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10445566475391388},{"word":"have","start":187.735,"end":187.895,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04252973198890686},{"word":"a","start":187.895,"end":187.975,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.039412789046764374},{"word":"new","start":187.975,"end":188.215,"confidence":0.99902344,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.054597560316324234},{"word":"system","start":188.215,"end":188.715,"confidence":0.96875,"punctuated_word":"system,","sentiment":"neutral","sentiment_score":0.06832706183195114},{"word":"and","start":188.77501,"end":189.015,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06099037081003189},{"word":"i'm","start":189.015,"end":189.095,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07690891623497009},{"word":"just","start":189.095,"end":189.41501,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09805242717266084},{"word":"merging","start":189.41501,"end":189.895,"confidence":0.9248047,"punctuated_word":"merging","sentiment":"neutral","sentiment_score":0.09425029903650284},{"word":"everything","start":189.895,"end":190.395,"confidence":0.96875,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.07941874861717224},{"word":"across","start":190.695,"end":191.195,"confidence":0.9975586,"punctuated_word":"across.","sentiment":"neutral","sentiment_score":0.06430381536483765},{"word":"i","start":191.895,"end":192.05501,"confidence":0.95410156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.040404148399829865},{"word":"have","start":192.05501,"end":192.295,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04218163713812828},{"word":"the","start":192.295,"end":192.535,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.048324793577194214},{"word":"employer","start":192.535,"end":193.015,"confidence":0.9472656,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":0.0456516295671463},{"word":"listed","start":193.015,"end":193.335,"confidence":0.99902344,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.0494464673101902},{"word":"down","start":193.335,"end":193.655,"confidence":0.98535156,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.04621042311191559},{"word":"as","start":193.655,"end":193.895,"confidence":0.98535156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.034545496106147766},{"word":"exact","start":193.895,"end":194.395,"confidence":0.93115234,"punctuated_word":"exact","sentiment":"neutral","sentiment_score":0.044955991208553314},{"word":"cleaning","start":194.56,"end":194.87999,"confidence":0.78027344,"punctuated_word":"cleaning","sentiment":"neutral","sentiment_score":0.034520119428634644},{"word":"and","start":194.87999,"end":194.95999,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03284880891442299},{"word":"maintenance","start":194.95999,"end":195.43999,"confidence":0.9975586,"punctuated_word":"maintenance.","sentiment":"neutral","sentiment_score":0.03472519665956497},{"word":"is","start":195.43999,"end":195.59999,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.03822552040219307},{"word":"that","start":195.59999,"end":195.68,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.050294242799282074},{"word":"right","start":195.68,"end":196.18,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.03362254053354263},{"word":"cool","start":199.04,"end":199.28,"confidence":0.93774414,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.19937746226787567},{"word":"and","start":199.28,"end":199.59999,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09976361691951752},{"word":"we","start":199.59999,"end":199.76,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09917175769805908},{"word":"did","start":199.76,"end":200.0,"confidence":0.99121094,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.11010711640119553},{"word":"go","start":200.0,"end":200.23999,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11343932896852492},{"word":"through","start":200.23999,"end":200.56,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10332127660512924},{"word":"end","start":200.56,"end":200.72,"confidence":0.91259766,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.08971042186021805},{"word":"of","start":200.72,"end":200.87999,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.060887519270181656},{"word":"financial","start":200.87999,"end":201.28,"confidence":0.9951172,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.054704468697309494},{"word":"year","start":201.28,"end":201.59999,"confidence":0.99609375,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.0513489805161953},{"word":"recently","start":201.59999,"end":202.07999,"confidence":0.9851074,"punctuated_word":"recently.","sentiment":"neutral","sentiment_score":0.0691761001944542},{"word":"do","start":202.07999,"end":202.23999,"confidence":0.9863281,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.015063207596540453},{"word":"you","start":202.23999,"end":202.31999,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030745908617973328},{"word":"know","start":202.31999,"end":202.48,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.030152643099427223},{"word":"what","start":202.48,"end":202.64,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.033364176750183105},{"word":"the","start":202.64,"end":202.79999,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.041330426931381226},{"word":"annual","start":202.79999,"end":203.12,"confidence":0.9951172,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.038436345756053925},{"word":"income","start":203.12,"end":203.51999,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.029863376170396805},{"word":"is","start":203.51999,"end":203.68,"confidence":0.5058594,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01796429604291916},{"word":"sitting","start":203.68,"end":203.84,"confidence":0.9873047,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.05160769075155258},{"word":"out","start":203.84,"end":204.0,"confidence":0.8051758,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.053468458354473114},{"word":"of","start":204.0,"end":204.07999,"confidence":0.7138672,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.021870773285627365},{"word":"the","start":204.07999,"end":204.23999,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0272838044911623},{"word":"month","start":204.23999,"end":204.73999,"confidence":0.93530273,"punctuated_word":"month?","sentiment":"neutral","sentiment_score":0.022493872791528705},{"word":"yeah","start":210.455,"end":210.615,"confidence":0.94384766,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.033953964710235596},{"word":"i","start":210.615,"end":210.775,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.034533288329839706},{"word":"think","start":210.775,"end":210.855,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.023925121873617172},{"word":"we","start":210.855,"end":211.015,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03231547400355339},{"word":"had","start":211.015,"end":211.335,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.026624049991369247},{"word":"you","start":211.335,"end":211.495,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029629789292812347},{"word":"close","start":211.495,"end":211.815,"confidence":0.9892578,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.0356312096118927},{"word":"to","start":211.815,"end":211.895,"confidence":0.7363281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.038691092282533646},{"word":"around","start":211.895,"end":212.055,"confidence":0.9267578,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.03777895122766495},{"word":"the","start":212.055,"end":212.215,"confidence":0.5019531,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.044285207986831665},{"word":"80,000","start":212.215,"end":212.935,"confidence":0.9995117,"punctuated_word":"80,000","sentiment":"neutral","sentiment_score":0.031185586005449295},{"word":"miles","start":212.935,"end":213.255,"confidence":0.78027344,"punctuated_word":"miles.","sentiment":"neutral","sentiment_score":0.04128778725862503},{"word":"is","start":213.255,"end":213.495,"confidence":0.9716797,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.03871474415063858},{"word":"it","start":213.495,"end":213.655,"confidence":0.9633789,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04672655835747719},{"word":"close","start":213.655,"end":213.895,"confidence":0.98828125,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.019859302788972855},{"word":"to","start":213.895,"end":214.055,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03258676826953888},{"word":"that","start":214.055,"end":214.295,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.025873258709907532},{"word":"still","start":214.295,"end":214.795,"confidence":0.984375,"punctuated_word":"still?","sentiment":"neutral","sentiment_score":-0.001468820497393608},{"word":"68","start":222.455,"end":223.255,"confidence":0.92858887,"punctuated_word":"68.","sentiment":"neutral","sentiment_score":-0.004324374720454216},{"word":"i'll","start":223.255,"end":223.495,"confidence":0.85668945,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.004481065087020397},{"word":"add","start":223.495,"end":223.655,"confidence":0.99609375,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.011256113648414612},{"word":"that","start":223.655,"end":223.975,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0044906362891197205},{"word":"in","start":223.975,"end":224.475,"confidence":0.98999023,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.0035486212000250816},{"word":"68,000","start":224.535,"end":225.675,"confidence":0.9851888,"punctuated_word":"68,000.","sentiment":"neutral","sentiment_score":0.0010036410531029103},{"word":"and","start":227.06,"end":227.3,"confidence":0.9760742,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.013066936284303663},{"word":"i'm","start":227.3,"end":227.54,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.02301563136279583},{"word":"assuming","start":227.54,"end":228.02,"confidence":1.0,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":-0.0322437658905983},{"word":"you're","start":228.02,"end":228.26,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.038428738713264465},{"word":"not","start":228.26,"end":228.42,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04320729523897171},{"word":"doing","start":228.42,"end":228.92,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.03542272001504898},{"word":"a","start":229.22,"end":229.54,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05488337576389313},{"word":"similar","start":229.54,"end":229.94,"confidence":1.0,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":-0.07446818053722382},{"word":"role","start":229.94,"end":230.26,"confidence":0.99902344,"punctuated_word":"role","sentiment":"neutral","sentiment_score":-0.04591905325651169},{"word":"as","start":230.26,"end":230.42,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03613748028874397},{"word":"you","start":230.42,"end":230.5,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010885294526815414},{"word":"were","start":230.5,"end":230.74,"confidence":0.92333984,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.00843559205532074},{"word":"with","start":230.74,"end":230.9,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.008921615779399872},{"word":"rexha","start":230.9,"end":231.4,"confidence":0.49804688,"punctuated_word":"Rexha.","sentiment":"neutral","sentiment_score":-0.013508803211152554},{"word":"is","start":231.7,"end":231.86,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.02626304142177105},{"word":"it","start":231.86,"end":232.02,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.011548846960067747},{"word":"still","start":232.02,"end":232.26,"confidence":0.751709,"punctuated_word":"still,","sentiment":"neutral","sentiment_score":-0.03329605981707573},{"word":"like","start":232.26,"end":232.5,"confidence":0.99609375,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.022688863798975945},{"word":"project","start":232.5,"end":232.98,"confidence":0.9951172,"punctuated_word":"project","sentiment":"neutral","sentiment_score":-0.027727533131837845},{"word":"admin","start":232.98,"end":233.3,"confidence":0.7832031,"punctuated_word":"admin,","sentiment":"neutral","sentiment_score":-0.023101098835468292},{"word":"or","start":233.3,"end":233.45999,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04321123659610748},{"word":"is","start":233.45999,"end":233.54,"confidence":0.90283203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.038030024617910385},{"word":"it","start":233.54,"end":233.7,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02033563330769539},{"word":"a","start":233.7,"end":233.78,"confidence":0.82373047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04646874964237213},{"word":"bit","start":233.78,"end":234.02,"confidence":0.99609375,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05253039300441742},{"word":"different","start":234.02,"end":234.52,"confidence":1.0,"punctuated_word":"different?","sentiment":"neutral","sentiment_score":-0.03642621263861656},{"word":"yep","start":246.035,"end":246.535,"confidence":0.97021484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.015303236432373524},{"word":"that'll","start":250.31,"end":250.62999,"confidence":0.4584961,"punctuated_word":"That'll","sentiment":"neutral","sentiment_score":0.14931508898735046},{"word":"support","start":250.62999,"end":251.11,"confidence":1.0,"punctuated_word":"support","sentiment":"neutral","sentiment_score":0.15887153148651123},{"word":"the","start":251.11,"end":251.19,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1677258312702179},{"word":"front","start":251.19,"end":251.43,"confidence":0.99902344,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.21567144989967343},{"word":"desk","start":251.43,"end":251.67,"confidence":0.9177246,"punctuated_word":"desk,","sentiment":"neutral","sentiment_score":0.20624856650829315},{"word":"and","start":251.67,"end":251.83,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22141583263874057},{"word":"that's","start":251.83,"end":252.06999,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2206110805273056},{"word":"all","start":252.06999,"end":252.31,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1696489006280899},{"word":"just","start":252.31,"end":252.55,"confidence":0.9580078,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19950078427791595},{"word":"kind","start":252.55,"end":252.79,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1964075267314911},{"word":"of","start":252.79,"end":252.95,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17377512156963348},{"word":"office","start":252.95,"end":253.26999,"confidence":0.99121094,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.1377868950366974},{"word":"space","start":253.26999,"end":253.67,"confidence":0.7585449,"punctuated_word":"space,","sentiment":"neutral","sentiment_score":0.1973346769809723},{"word":"working","start":253.67,"end":253.98999,"confidence":0.9951172,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.186670646071434},{"word":"from","start":253.98999,"end":254.23,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.17947065830230713},{"word":"home","start":254.23,"end":254.47,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.14984801411628723},{"word":"over","start":254.47,"end":254.70999,"confidence":0.890625,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2685854434967041},{"word":"the","start":254.70999,"end":254.79,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.051088765263557434},{"word":"phone","start":254.79,"end":255.29,"confidence":0.8562012,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":0.08851690590381622},{"word":"all","start":258.55,"end":258.94998,"confidence":0.7001953,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.18391525745391848},{"word":"office","start":258.94998,"end":259.35,"confidence":0.99121094,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.18348294496536255},{"word":"space","start":259.35,"end":259.75,"confidence":0.9819336,"punctuated_word":"space.","sentiment":"neutral","sentiment_score":0.19671186804771423},{"word":"perfect","start":259.75,"end":260.25,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.7513100504875183},{"word":"and","start":261.11,"end":261.61,"confidence":0.8588867,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.572187066078186},{"word":"you","start":262.07,"end":262.22998,"confidence":0.9038086,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5583671927452087},{"word":"feel","start":262.22998,"end":262.47,"confidence":0.9980469,"punctuated_word":"feel","sentiment":"positive","sentiment_score":0.5209473967552185},{"word":"like","start":262.47,"end":262.63,"confidence":0.9863281,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.5766139030456543},{"word":"you're","start":262.63,"end":262.79,"confidence":0.87475586,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5487447381019592},{"word":"able","start":262.79,"end":263.11,"confidence":0.8964844,"punctuated_word":"able...","sentiment":"positive","sentiment_score":0.5362254977226257},{"word":"i","start":263.11,"end":263.19,"confidence":0.9248047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.25378647446632385},{"word":"mean","start":263.19,"end":263.27,"confidence":0.92089844,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.21957942843437195},{"word":"you","start":263.27,"end":263.43,"confidence":0.96533203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2182806134223938},{"word":"just","start":263.43,"end":263.59,"confidence":0.5126953,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16672155261039734},{"word":"said","start":263.59,"end":263.75,"confidence":0.9970703,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.17018194496631622},{"word":"it","start":263.75,"end":263.83,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23395678400993347},{"word":"was","start":263.83,"end":263.99,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.17171593010425568},{"word":"pretty","start":263.99,"end":264.22998,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.19253705441951752},{"word":"hard","start":264.22998,"end":264.38998,"confidence":0.94311523,"punctuated_word":"hard,","sentiment":"neutral","sentiment_score":0.1765470802783966},{"word":"but","start":264.38998,"end":264.63,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.053643181920051575},{"word":"are","start":264.63,"end":264.71,"confidence":0.9448242,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12391642481088638},{"word":"you","start":264.71,"end":264.87,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2552603483200073},{"word":"able","start":264.87,"end":265.03,"confidence":0.9194336,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.2137296497821808},{"word":"to","start":265.03,"end":265.305,"confidence":0.6748047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23874960839748385},{"word":"set","start":265.305,"end":265.54498,"confidence":0.9291992,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.302087664604187},{"word":"aside","start":265.54498,"end":265.785,"confidence":0.9941406,"punctuated_word":"aside","sentiment":"neutral","sentiment_score":0.2857525646686554},{"word":"any","start":265.785,"end":266.185,"confidence":0.60791016,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.26899194717407227},{"word":"savings","start":266.185,"end":266.585,"confidence":0.99121094,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.21610760688781736},{"word":"at","start":266.585,"end":266.66498,"confidence":0.9770508,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21490827202796936},{"word":"the","start":266.66498,"end":266.745,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29069599509239197},{"word":"moment","start":266.745,"end":267.225,"confidence":0.99902344,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.28159940242767334},{"word":"per","start":267.225,"end":267.465,"confidence":0.9301758,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.19481655955314636},{"word":"week","start":267.465,"end":267.785,"confidence":0.9970703,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.21629631519317627},{"word":"that","start":267.785,"end":267.945,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24202561378479004},{"word":"you're","start":267.945,"end":268.26498,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.21441750228405},{"word":"aiming","start":268.26498,"end":268.66498,"confidence":1.0,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.24442100524902344},{"word":"for","start":268.66498,"end":269.065,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21059703826904297},{"word":"or","start":269.065,"end":269.465,"confidence":0.7578125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05682513117790222},{"word":"not","start":269.465,"end":269.705,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0647629052400589},{"word":"so","start":269.705,"end":269.865,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.02049604058265686},{"word":"much","start":269.865,"end":270.10498,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1411643922328949},{"word":"at","start":270.10498,"end":270.26498,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02457652986049652},{"word":"the","start":270.26498,"end":270.345,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1704641580581665},{"word":"moment","start":270.345,"end":270.845,"confidence":0.99853516,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.10073904693126678},{"word":"okay","start":274.505,"end":275.005,"confidence":0.95458984,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.1689932346343994},{"word":"i'll","start":275.945,"end":276.10498,"confidence":0.86743164,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.16127055883407593},{"word":"leave","start":276.10498,"end":276.425,"confidence":0.9980469,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.1454641819000244},{"word":"that","start":276.425,"end":276.66498,"confidence":0.8178711,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.13409192860126495},{"word":"so","start":276.66498,"end":277.065,"confidence":0.92871094,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.14455822110176086},{"word":"basically","start":277.065,"end":277.54498,"confidence":1.0,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":-0.1536203920841217},{"word":"i'm","start":277.54498,"end":277.705,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.28364109992980957},{"word":"not","start":277.705,"end":277.865,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3627576529979706},{"word":"gonna","start":277.865,"end":278.10498,"confidence":0.9428711,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.3696394562721253},{"word":"recommend","start":278.10498,"end":278.505,"confidence":0.99902344,"punctuated_word":"recommend","sentiment":"negative","sentiment_score":-0.40991437435150146},{"word":"any","start":278.505,"end":278.745,"confidence":0.99902344,"punctuated_word":"any","sentiment":"negative","sentiment_score":-0.3657569885253906},{"word":"salary","start":278.745,"end":279.225,"confidence":0.9980469,"punctuated_word":"salary","sentiment":"negative","sentiment_score":-0.4328108727931976},{"word":"sacrifice","start":279.225,"end":279.725,"confidence":0.8989258,"punctuated_word":"sacrifice","sentiment":"negative","sentiment_score":-0.45662960410118103},{"word":"to","start":279.785,"end":280.025,"confidence":0.38549805,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4676340520381927},{"word":"super","start":280.025,"end":280.26498,"confidence":0.17004395,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.28761324286460876},{"word":"or","start":280.26498,"end":280.425,"confidence":0.8886719,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.3618928790092468},{"word":"anything","start":280.425,"end":280.745,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.29543766379356384},{"word":"like","start":280.745,"end":280.905,"confidence":1.0,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.34256455302238464},{"word":"that","start":280.905,"end":281.065,"confidence":0.99658203,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.32753321528434753},{"word":"if","start":281.065,"end":281.25,"confidence":0.6035156,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.17988108098506927},{"word":"if","start":281.33,"end":281.37,"confidence":0.87841797,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.2024567872285843},{"word":"you","start":281.37,"end":281.41,"confidence":0.97802734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2353723794221878},{"word":"don't","start":281.41,"end":281.65,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.23460260033607483},{"word":"have","start":281.65,"end":281.73,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2530273199081421},{"word":"the","start":281.73,"end":281.89,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2973700165748596},{"word":"cash","start":281.89,"end":282.21,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.2511705160140991},{"word":"flow","start":282.21,"end":282.45,"confidence":0.986084,"punctuated_word":"flow,","sentiment":"neutral","sentiment_score":-0.22179004549980164},{"word":"we","start":282.45,"end":282.61,"confidence":0.97998047,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.21411800384521484},{"word":"can","start":282.61,"end":282.77,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2179161012172699},{"word":"come","start":282.77,"end":282.93,"confidence":0.9980469,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.18796154856681824},{"word":"back","start":282.93,"end":283.05,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.19885699450969696},{"word":"to","start":283.05,"end":283.17,"confidence":0.9633789,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.22810077667236328},{"word":"that","start":283.17,"end":283.41,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2738981246948242},{"word":"later","start":283.41,"end":283.91,"confidence":0.6569824,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":-0.2261614501476288},{"word":"cool","start":286.29,"end":286.79,"confidence":0.73950195,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.1638697236776352},{"word":"in","start":287.33,"end":287.57,"confidence":0.90722656,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.07709488272666931},{"word":"terms","start":287.57,"end":287.81,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.08206557482481003},{"word":"of","start":287.81,"end":288.05,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09290895611047743},{"word":"assets","start":288.05,"end":288.37,"confidence":0.97314453,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.10425365716218948},{"word":"and","start":288.37,"end":288.61,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06710782647132874},{"word":"liabilities","start":288.61,"end":289.11,"confidence":0.9914551,"punctuated_word":"liabilities,","sentiment":"neutral","sentiment_score":0.05696694925427437},{"word":"we've","start":289.41,"end":289.81,"confidence":0.98999023,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.06231401860713959},{"word":"got","start":289.81,"end":290.13,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09625425189733504},{"word":"the","start":290.13,"end":290.29,"confidence":0.8852539,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10942627489566804},{"word":"motor","start":290.29,"end":290.61,"confidence":0.99121094,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.10032670199871065},{"word":"vehicle","start":290.61,"end":291.09,"confidence":0.9941406,"punctuated_word":"vehicle","sentiment":"neutral","sentiment_score":0.11579453945159912},{"word":"there","start":291.09,"end":291.59,"confidence":0.9692383,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.08774207532405853},{"word":"any","start":291.97,"end":292.29,"confidence":0.9838867,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.02598283812403679},{"word":"other","start":292.29,"end":292.53,"confidence":0.98291016,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.01739620603621006},{"word":"kind","start":292.53,"end":292.85,"confidence":0.9873047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0128655806183815},{"word":"of","start":292.85,"end":293.17,"confidence":0.99902344,"punctuated_word":"of...","sentiment":"neutral","sentiment_score":0.013575635850429537},{"word":"any","start":293.17,"end":293.57,"confidence":0.9970703,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":-0.007580874487757683},{"word":"loans","start":293.57,"end":294.07,"confidence":0.92578125,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":0.008854992687702179},{"word":"or","start":294.13,"end":294.29,"confidence":0.9941406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.006003415212035179},{"word":"or","start":294.29,"end":294.675,"confidence":0.7705078,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.013954779133200644},{"word":"assets","start":294.91498,"end":294.995,"confidence":0.9980469,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.013591734692454338},{"word":"floating","start":294.995,"end":295.07498,"confidence":0.9970703,"punctuated_word":"floating","sentiment":"neutral","sentiment_score":0.0048647914081811905},{"word":"around","start":295.07498,"end":295.57498,"confidence":0.7512207,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":0.001118677668273449},{"word":"any","start":295.955,"end":296.19498,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.01800048165023327},{"word":"cash","start":296.19498,"end":296.435,"confidence":0.99902344,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.008518671616911888},{"word":"or","start":296.435,"end":296.675,"confidence":0.9633789,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.006684590131044388},{"word":"shares","start":296.675,"end":296.91498,"confidence":1.0,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.011186838150024414},{"word":"or","start":296.91498,"end":297.07498,"confidence":0.99316406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.009758934378623962},{"word":"anything","start":297.07498,"end":297.57498,"confidence":0.9890137,"punctuated_word":"anything?","sentiment":"neutral","sentiment_score":-0.005837088450789452},{"word":"no","start":300.435,"end":300.935,"confidence":0.63464355,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.22513100504875183},{"word":"perfect","start":303.07498,"end":303.555,"confidence":0.9904785,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2314268797636032},{"word":"that's","start":303.555,"end":303.875,"confidence":0.99365234,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13142988085746765},{"word":"out","start":303.875,"end":304.115,"confidence":0.7055664,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.18996502459049225},{"word":"right","start":304.115,"end":304.615,"confidence":0.97094727,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.15844324231147766},{"word":"and","start":305.555,"end":306.055,"confidence":0.89746094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.022660303860902783},{"word":"i","start":306.75497,"end":306.91498,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.004754725843667984},{"word":"know","start":306.91498,"end":307.155,"confidence":0.9970703,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.006131354719400406},{"word":"that","start":307.155,"end":307.315,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0029681548476219177},{"word":"you","start":307.315,"end":307.47498,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0004813149571418762},{"word":"were","start":307.47498,"end":307.79498,"confidence":0.8730469,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.00760304182767868},{"word":"having","start":307.79498,"end":308.115,"confidence":0.6870117,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.005500223487615585},{"word":"a","start":308.115,"end":308.19498,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0028452426195144653},{"word":"bit","start":308.19498,"end":308.35498,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.006837379187345505},{"word":"of","start":308.35498,"end":308.595,"confidence":0.8742676,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.018054071813821793},{"word":"like","start":308.595,"end":308.75497,"confidence":0.967041,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.007465310394763947},{"word":"a","start":308.75497,"end":308.995,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.001887936145067215},{"word":"like","start":308.995,"end":309.315,"confidence":0.671875,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.008055895566940308},{"word":"a","start":309.315,"end":309.395,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007093831896781921},{"word":"will","start":309.395,"end":309.895,"confidence":0.87158203,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.001482054591178894},{"word":"on","start":310.15997,"end":310.31998,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.006165392696857452},{"word":"your","start":310.31998,"end":310.44,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.006004206836223602},{"word":"to","start":310.44,"end":310.56,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.001469843089580536},{"word":"do","start":310.56,"end":310.8,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.010851189494132996},{"word":"list","start":310.8,"end":311.19998,"confidence":0.9941406,"punctuated_word":"list.","sentiment":"neutral","sentiment_score":0.001886814832687378},{"word":"did","start":311.19998,"end":311.36,"confidence":0.9970703,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.0019974112510681152},{"word":"you","start":311.36,"end":311.75998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.003546878695487976},{"word":"put","start":311.75998,"end":311.91998,"confidence":0.9951172,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.001681685447692871},{"word":"one","start":311.91998,"end":312.08,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.0007623769342899323},{"word":"of","start":312.08,"end":312.24,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004339534789323807},{"word":"those","start":312.24,"end":312.47998,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.004083842039108276},{"word":"in","start":312.47998,"end":312.63998,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.015039987862110138},{"word":"place","start":312.63998,"end":313.13998,"confidence":0.9562988,"punctuated_word":"place?","sentiment":"neutral","sentiment_score":-0.02356611005961895},{"word":"like","start":315.84,"end":316.15997,"confidence":0.779541,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.04605283588171005},{"word":"a","start":316.15997,"end":316.47998,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04762186110019684},{"word":"a","start":316.47998,"end":316.56,"confidence":0.9394531,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04483918100595474},{"word":"will","start":316.56,"end":316.87997,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.04310088977217674},{"word":"and","start":316.87997,"end":317.12,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04791270196437836},{"word":"a","start":317.12,"end":317.19998,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04303772002458573},{"word":"power","start":317.19998,"end":317.52,"confidence":0.9980469,"punctuated_word":"power","sentiment":"neutral","sentiment_score":-0.04055001214146614},{"word":"of","start":317.52,"end":317.59998,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0421990230679512},{"word":"attorney","start":317.59998,"end":318.09998,"confidence":0.94750977,"punctuated_word":"attorney?","sentiment":"neutral","sentiment_score":-0.047713860869407654},{"word":"oh","start":343.22998,"end":343.38998,"confidence":0.6990967,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.007807708345353603},{"word":"yeah","start":343.38998,"end":343.62997,"confidence":0.9580078,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.007973084226250648},{"word":"yeah","start":343.62997,"end":343.87,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.002093291841447354},{"word":"you","start":343.87,"end":344.11,"confidence":0.98828125,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.0026570819318294525},{"word":"talked","start":344.11,"end":344.27,"confidence":0.3737793,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.003732312470674515},{"word":"about","start":344.27,"end":344.50998,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.00141218863427639},{"word":"the","start":344.50998,"end":344.66998,"confidence":0.94140625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0017880797386169434},{"word":"beneficiary","start":344.66998,"end":345.16998,"confidence":0.9980469,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.016183149069547653},{"word":"nominations","start":345.38998,"end":345.88998,"confidence":0.9970703,"punctuated_word":"nominations","sentiment":"neutral","sentiment_score":0.0038229217752814297},{"word":"for","start":345.94998,"end":346.11,"confidence":0.9863281,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0014135483652353289},{"word":"the","start":346.11,"end":346.27,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015581198036670685},{"word":"super","start":346.27,"end":346.77,"confidence":0.84936523,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.008047862909734249},{"word":"has","start":347.895,"end":348.135,"confidence":0.5292969,"punctuated_word":"Has","sentiment":"neutral","sentiment_score":-0.02928413078188896},{"word":"to","start":348.135,"end":348.29498,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02793198637664318},{"word":"be","start":348.29498,"end":348.455,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0402727946639061},{"word":"like","start":348.455,"end":348.615,"confidence":0.5541992,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.045719653367996216},{"word":"a","start":348.615,"end":348.775,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03765071555972099},{"word":"financial","start":348.775,"end":349.255,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.0374654121696949},{"word":"dependent","start":349.255,"end":349.735,"confidence":0.7788086,"punctuated_word":"dependent","sentiment":"neutral","sentiment_score":-0.04059137776494026},{"word":"or","start":349.735,"end":349.975,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04647963121533394},{"word":"something","start":349.975,"end":350.29498,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.04943997785449028},{"word":"like","start":350.29498,"end":350.455,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.060888536274433136},{"word":"that","start":350.455,"end":350.955,"confidence":0.99560547,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.03145182132720947},{"word":"cool","start":351.895,"end":352.395,"confidence":0.7607422,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.15792052447795868},{"word":"one","start":353.335,"end":353.835,"confidence":0.87158203,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.05147828161716461},{"word":"thing","start":357.655,"end":357.895,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.03845304623246193},{"word":"i","start":357.895,"end":358.055,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.053957317024469376},{"word":"was","start":358.055,"end":358.29498,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.07833580672740936},{"word":"gonna","start":358.29498,"end":358.615,"confidence":0.9550781,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.043958209455013275},{"word":"double","start":358.615,"end":358.855,"confidence":0.99902344,"punctuated_word":"double","sentiment":"neutral","sentiment_score":-0.04576437175273895},{"word":"check","start":358.855,"end":359.01498,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.03625836223363876},{"word":"with","start":359.01498,"end":359.175,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.06350506097078323},{"word":"you","start":359.175,"end":359.415,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.015475720167160034},{"word":"too","start":359.415,"end":359.655,"confidence":0.97314453,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.03473981097340584},{"word":"is","start":359.655,"end":360.155,"confidence":0.96240234,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.053695544600486755},{"word":"for","start":361.56998,"end":361.88998,"confidence":0.9863281,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08029937744140625},{"word":"the","start":361.88998,"end":362.13,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06998859345912933},{"word":"life","start":362.13,"end":362.44998,"confidence":0.9970703,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.07983279228210449},{"word":"insurance","start":362.44998,"end":362.94998,"confidence":0.9230957,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":-0.05605341121554375},{"word":"i","start":363.88998,"end":364.13,"confidence":0.9506836,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1360340714454651},{"word":"wasn't","start":364.13,"end":364.44998,"confidence":0.9995117,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.10226589441299438},{"word":"able","start":364.44998,"end":364.69,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.0890636220574379},{"word":"to","start":364.69,"end":364.85,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09288465231657028},{"word":"see","start":364.85,"end":365.09,"confidence":0.96533203,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.07832415401935577},{"word":"it","start":365.09,"end":365.16998,"confidence":0.96777344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06028980389237404},{"word":"today","start":365.16998,"end":365.49,"confidence":1.0,"punctuated_word":"today","sentiment":"neutral","sentiment_score":-0.05014325678348541},{"word":"with","start":365.49,"end":365.88998,"confidence":0.98535156,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07849018275737762},{"word":"zurich","start":365.88998,"end":366.28998,"confidence":0.93408203,"punctuated_word":"Zurich","sentiment":"neutral","sentiment_score":-0.01655527576804161},{"word":"whether","start":366.28998,"end":366.77,"confidence":0.90625,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.06862425804138184},{"word":"your","start":366.77,"end":367.00998,"confidence":0.80810547,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07764222472906113},{"word":"nephew","start":367.00998,"end":367.41,"confidence":1.0,"punctuated_word":"nephew","sentiment":"neutral","sentiment_score":-0.03444971516728401},{"word":"is","start":367.41,"end":367.56998,"confidence":0.82373047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07689101248979568},{"word":"listed","start":367.56998,"end":367.97,"confidence":1.0,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":-0.06266390532255173},{"word":"on","start":367.97,"end":368.13,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0807715505361557},{"word":"there","start":368.13,"end":368.63,"confidence":0.7583008,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.0825517550110817},{"word":"but","start":368.69,"end":369.00998,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.08988432586193085},{"word":"if","start":369.00998,"end":369.25,"confidence":0.9770508,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.12512925267219543},{"word":"he's","start":369.25,"end":369.56998,"confidence":0.94506836,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.10479114949703217},{"word":"not","start":369.56998,"end":370.06998,"confidence":1.0,"punctuated_word":"not...","sentiment":"neutral","sentiment_score":-0.08357220888137817},{"word":"like","start":370.37,"end":370.61,"confidence":0.8522949,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.1543329358100891},{"word":"life","start":370.61,"end":370.84998,"confidence":0.984375,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.1529839038848877},{"word":"insurance","start":370.84998,"end":371.33,"confidence":0.9604492,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.13554270565509796},{"word":"go","start":371.33,"end":371.49,"confidence":0.38867188,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.1777777373790741},{"word":"to","start":371.49,"end":371.65,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15257853269577026},{"word":"anybody","start":371.65,"end":372.15,"confidence":0.99316406,"punctuated_word":"anybody.","sentiment":"neutral","sentiment_score":-0.06268802285194397},{"word":"do","start":372.21,"end":372.44998,"confidence":0.9980469,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.0012913849204778671},{"word":"you","start":372.44998,"end":372.53,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0016949903219938278},{"word":"want","start":372.53,"end":372.885,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.007809095084667206},{"word":"do","start":372.965,"end":373.045,"confidence":0.77246094,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0026638228446245193},{"word":"you","start":373.045,"end":373.125,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004550188779830933},{"word":"want","start":373.125,"end":373.285,"confidence":0.98291016,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.0009336881339550018},{"word":"him","start":373.285,"end":373.36502,"confidence":0.7583008,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.02061283402144909},{"word":"listed","start":373.36502,"end":373.765,"confidence":0.9921875,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.02003188244998455},{"word":"for","start":373.765,"end":374.08502,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.014613687992095947},{"word":"at","start":374.08502,"end":374.165,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.000880783423781395},{"word":"least","start":374.165,"end":374.48502,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.011250946670770643},{"word":"a","start":374.48502,"end":374.565,"confidence":0.71435547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03570513799786568},{"word":"100,000","start":374.565,"end":375.20502,"confidence":0.99853516,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.04352463409304619},{"word":"of","start":375.20502,"end":375.285,"confidence":0.98535156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.005741945933550596},{"word":"the","start":375.285,"end":375.445,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0051992544904351234},{"word":"life","start":375.445,"end":375.685,"confidence":0.9970703,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.00044440291821956635},{"word":"insurance","start":375.685,"end":376.185,"confidence":0.9008789,"punctuated_word":"insurance?","sentiment":"neutral","sentiment_score":0.003570263274013996},{"word":"or","start":376.325,"end":376.825,"confidence":0.9448242,"punctuated_word":"Or...","sentiment":"neutral","sentiment_score":0.011547110974788666},{"word":"alrighty","start":380.80502,"end":381.30502,"confidence":0.9941406,"punctuated_word":"Alrighty.","sentiment":"positive","sentiment_score":0.3617717325687408},{"word":"i","start":381.36502,"end":381.52502,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23740527033805847},{"word":"will","start":381.52502,"end":382.02502,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2359098643064499},{"word":"have","start":382.965,"end":383.125,"confidence":0.99121094,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20187057554721832},{"word":"a","start":383.125,"end":383.285,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1840546727180481},{"word":"little","start":383.285,"end":383.52502,"confidence":0.9716797,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.15129944682121277},{"word":"look","start":383.52502,"end":383.685,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13719363510608673},{"word":"at","start":383.685,"end":383.845,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1911473125219345},{"word":"that","start":383.845,"end":384.165,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.18411922454833984},{"word":"what","start":384.165,"end":384.405,"confidence":0.9472656,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.185187429189682},{"word":"i'll","start":384.405,"end":384.565,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15259113907814026},{"word":"do","start":384.565,"end":384.725,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1849270910024643},{"word":"is","start":384.725,"end":384.80502,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16071434319019318},{"word":"i'll","start":384.80502,"end":384.885,"confidence":0.99853516,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1761523187160492},{"word":"get","start":384.885,"end":385.045,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.14101065695285797},{"word":"the","start":385.045,"end":385.20502,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14001642167568207},{"word":"team","start":385.20502,"end":385.445,"confidence":0.9951172,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.12031149864196776},{"word":"to","start":385.445,"end":385.52502,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17112797498703003},{"word":"kind","start":385.52502,"end":385.765,"confidence":0.98535156,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1695326566696167},{"word":"of","start":385.765,"end":385.845,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2270632237195969},{"word":"give","start":385.845,"end":386.08502,"confidence":0.9838867,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.15840007364749908},{"word":"zurich","start":386.08502,"end":386.405,"confidence":0.1159668,"punctuated_word":"Zurich","sentiment":"neutral","sentiment_score":0.20513001084327695},{"word":"a","start":386.405,"end":386.48502,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20379553735256195},{"word":"call","start":386.48502,"end":386.98502,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.16659177839756012},{"word":"when","start":387.16,"end":387.4,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.14582930505275726},{"word":"their","start":387.4,"end":387.64,"confidence":0.96972656,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.10438470542430878},{"word":"office","start":387.64,"end":388.12,"confidence":0.99902344,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.12400485575199129},{"word":"reopens","start":388.12,"end":388.62,"confidence":0.92163086,"punctuated_word":"reopens","sentiment":"neutral","sentiment_score":0.14880619943141937},{"word":"tomorrow","start":388.76,"end":389.26,"confidence":0.8808594,"punctuated_word":"tomorrow.","sentiment":"neutral","sentiment_score":0.16255316138267517},{"word":"and","start":389.48,"end":389.98,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1029871180653572},{"word":"if","start":390.04,"end":390.28,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05864378809928894},{"word":"that's","start":390.28,"end":390.6,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.05472409725189209},{"word":"not","start":390.6,"end":390.84,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.01436297595500946},{"word":"on","start":390.84,"end":391.08,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.016675647348165512},{"word":"there","start":391.08,"end":391.24,"confidence":0.9658203,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.058549657464027405},{"word":"we'll","start":391.24,"end":391.56,"confidence":0.90405273,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.13380615413188934},{"word":"get","start":391.56,"end":391.72,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08392798155546188},{"word":"the","start":391.72,"end":391.88,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11352063715457916},{"word":"form","start":391.88,"end":392.12,"confidence":0.51220703,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.1158069372177124},{"word":"sent","start":392.12,"end":392.44,"confidence":0.96240234,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.12495028972625732},{"word":"out","start":392.44,"end":392.6,"confidence":0.9707031,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.14944781363010406},{"word":"to","start":392.6,"end":392.72,"confidence":0.45239258,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1490194946527481},{"word":"you","start":392.72,"end":392.84,"confidence":0.95703125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15931330621242523},{"word":"to","start":392.84,"end":393.0,"confidence":0.67529297,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1131526306271553},{"word":"the","start":393.0,"end":393.08,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09565582871437071},{"word":"life","start":393.08,"end":393.32,"confidence":0.99121094,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.09018483757972716},{"word":"insurance","start":393.32,"end":393.82,"confidence":0.8664551,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":0.09416007995605467},{"word":"perfect","start":396.84,"end":397.34,"confidence":0.9169922,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5120712518692017},{"word":"outside","start":398.12,"end":398.52,"confidence":0.9902344,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":-0.04887644201517105},{"word":"of","start":398.52,"end":398.68,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11423835158348083},{"word":"that","start":398.68,"end":398.92,"confidence":0.87646484,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.0879543274641037},{"word":"so","start":398.92,"end":399.0,"confidence":0.7988281,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.049731507897377014},{"word":"the","start":399.0,"end":399.16,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.029851065948605537},{"word":"two","start":399.16,"end":399.66,"confidence":0.99609375,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.051202185451984406},{"word":"yeah","start":408.715,"end":408.875,"confidence":0.9411621,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07268410921096802},{"word":"cool","start":408.875,"end":409.19498,"confidence":0.99609375,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.2466740310192108},{"word":"i'll","start":409.19498,"end":409.35498,"confidence":0.9970703,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.19054314494132996},{"word":"i'll","start":409.35498,"end":409.595,"confidence":0.9914551,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.22749029099941256},{"word":"have","start":409.595,"end":409.75497,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17039182782173157},{"word":"a","start":409.75497,"end":409.835,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2064227759838104},{"word":"look","start":409.835,"end":409.995,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1793416142463684},{"word":"and","start":409.995,"end":410.155,"confidence":0.37158203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23282037675380707},{"word":"i'll","start":410.155,"end":410.315,"confidence":0.9951172,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2435716688632965},{"word":"let","start":410.315,"end":410.47498,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.24774298071861267},{"word":"you","start":410.47498,"end":410.63498,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24882568418979645},{"word":"know","start":410.63498,"end":411.13498,"confidence":0.986084,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.23147782683372495},{"word":"the","start":411.835,"end":412.07498,"confidence":0.63964844,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.06133519113063812},{"word":"super","start":412.07498,"end":412.47498,"confidence":0.61279297,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.0934503972530365},{"word":"still","start":412.47498,"end":412.89,"confidence":0.84277344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.014406256377696993},{"word":"still","start":412.97,"end":413.13,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.02833930402994156},{"word":"got","start":413.13,"end":413.29,"confidence":0.9951172,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.009584695100784302},{"word":"him","start":413.29,"end":413.37003,"confidence":0.9350586,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.041110068559646606},{"word":"on","start":413.37003,"end":413.53003,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.023688562214374546},{"word":"there","start":413.53003,"end":413.85,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0703732818365097},{"word":"at","start":413.85,"end":413.93002,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03299446403980255},{"word":"the","start":413.93002,"end":414.09003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0481693297624588},{"word":"moment","start":414.09003,"end":414.41,"confidence":0.82128906,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.06738121807575226},{"word":"but","start":414.41,"end":414.57,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04462356120347977},{"word":"if","start":414.57,"end":414.81003,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.006031114608049393},{"word":"there's","start":414.81003,"end":414.97,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.018741389736533165},{"word":"no","start":414.97,"end":415.13,"confidence":0.9770508,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.029556438326835632},{"word":"one","start":415.13,"end":415.21002,"confidence":0.99609375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03466567397117615},{"word":"else","start":415.21002,"end":415.45,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":-0.03475703299045563},{"word":"to","start":415.45,"end":415.61002,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.017810575664043427},{"word":"to","start":415.61002,"end":415.85,"confidence":0.9819336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03460276871919632},{"word":"nominate","start":415.85,"end":416.35,"confidence":0.9785156,"punctuated_word":"nominate,","sentiment":"neutral","sentiment_score":0.06115228682756424},{"word":"i'll","start":416.41,"end":416.57,"confidence":0.7324219,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.027951642870903015},{"word":"then","start":416.57,"end":416.81003,"confidence":0.47851562,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06307194381952286},{"word":"have","start":416.81003,"end":416.97,"confidence":0.78125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.004177898168563843},{"word":"to","start":416.97,"end":417.05002,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.015185989439487456},{"word":"touch","start":417.05002,"end":417.37003,"confidence":0.8769531,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.034001000225543976},{"word":"it","start":417.37003,"end":417.87003,"confidence":0.9909668,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.06338687241077423},{"word":"cool","start":420.09003,"end":420.59003,"confidence":0.94262695,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.3571234941482544},{"word":"i'll","start":421.69,"end":422.01,"confidence":0.96972656,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.27232325077056885},{"word":"just","start":422.01,"end":422.25,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.29706597328186035},{"word":"quickly","start":422.25,"end":422.65002,"confidence":0.96972656,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.29104289412498474},{"word":"touch","start":422.65002,"end":422.97,"confidence":0.99902344,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.21338967978954315},{"word":"base","start":422.97,"end":423.37003,"confidence":0.9951172,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.19926127791404724},{"word":"on","start":423.37003,"end":423.69,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2490261942148209},{"word":"the","start":423.69,"end":423.85,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2807835042476654},{"word":"insurance","start":423.85,"end":424.33002,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.2453169226646423},{"word":"for","start":424.33002,"end":424.41,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19709257781505585},{"word":"a","start":424.41,"end":424.57,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2824404835700989},{"word":"minute","start":424.57,"end":424.73,"confidence":0.9736328,"punctuated_word":"minute,","sentiment":"neutral","sentiment_score":0.263576865196228},{"word":"and","start":424.73,"end":424.81003,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.222130686044693},{"word":"then","start":424.81003,"end":424.97,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.21840520203113556},{"word":"we'll","start":424.97,"end":425.21002,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.213402196764946},{"word":"jump","start":425.21002,"end":425.45,"confidence":0.99902344,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.2196057140827179},{"word":"into","start":425.45,"end":425.69,"confidence":0.9951172,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.17330561578273773},{"word":"the","start":425.69,"end":425.85,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22825053334236145},{"word":"super","start":425.85,"end":426.33002,"confidence":0.98828125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.20827513933181763},{"word":"there","start":426.33002,"end":426.705,"confidence":0.99560547,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2471892088651657},{"word":"the","start":427.66498,"end":427.82498,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1846577674150467},{"word":"the","start":427.82498,"end":427.985,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18933911621570587},{"word":"pack","start":427.985,"end":428.22498,"confidence":0.93408203,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.19465401768684387},{"word":"that","start":428.22498,"end":428.465,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2371602803468704},{"word":"i've","start":428.465,"end":428.54498,"confidence":0.9802246,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2057618796825409},{"word":"sent","start":428.54498,"end":428.78497,"confidence":0.9951172,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.2324240654706955},{"word":"you","start":428.78497,"end":428.94498,"confidence":0.9448242,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2491476684808731},{"word":"out","start":428.94498,"end":429.10498,"confidence":0.7729492,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.2538397014141083},{"word":"just","start":429.10498,"end":429.26498,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22198118269443512},{"word":"to","start":429.26498,"end":429.345,"confidence":0.88183594,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2442389726638794},{"word":"let","start":429.345,"end":429.50497,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2647431492805481},{"word":"you","start":429.50497,"end":429.66498,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2602977156639099},{"word":"know","start":429.66498,"end":429.82498,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2750394344329834},{"word":"what's","start":429.82498,"end":430.06497,"confidence":0.9667969,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.238048791885376},{"word":"kind","start":430.06497,"end":430.305,"confidence":0.8647461,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.19941531121730804},{"word":"of","start":430.305,"end":430.465,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2296702265739441},{"word":"there","start":430.465,"end":430.965,"confidence":0.8186035,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.21194881200790405},{"word":"we've","start":431.10498,"end":431.425,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.2135831117630005},{"word":"got","start":431.425,"end":431.66498,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2218216359615326},{"word":"a","start":431.66498,"end":431.745,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2007746696472168},{"word":"bit","start":431.745,"end":431.905,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.19586846232414248},{"word":"of","start":431.905,"end":432.06497,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22485844790935516},{"word":"a","start":432.06497,"end":432.22498,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21231746673583984},{"word":"summary","start":432.22498,"end":432.625,"confidence":1.0,"punctuated_word":"summary","sentiment":"neutral","sentiment_score":0.1924493908882141},{"word":"for","start":432.625,"end":432.705,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.213485524058342},{"word":"the","start":432.705,"end":432.865,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17377986013889313},{"word":"super","start":432.865,"end":433.26498,"confidence":0.9658203,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.24992027878761292},{"word":"insurances","start":433.26498,"end":433.76498,"confidence":0.96484375,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.19943568110466003},{"word":"your","start":434.465,"end":434.865,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23544616997241977},{"word":"performance","start":434.865,"end":435.365,"confidence":0.9941406,"punctuated_word":"performance,","sentiment":"neutral","sentiment_score":0.1936776638031006},{"word":"the","start":436.38498,"end":436.625,"confidence":0.72509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20303228497505188},{"word":"certificates","start":436.625,"end":437.125,"confidence":0.97802734,"punctuated_word":"certificates","sentiment":"neutral","sentiment_score":0.24738050997257233},{"word":"of","start":437.425,"end":437.66498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2373180091381073},{"word":"currency","start":437.66498,"end":438.145,"confidence":0.9902344,"punctuated_word":"currency","sentiment":"neutral","sentiment_score":0.240904301404953},{"word":"from","start":438.145,"end":438.465,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2334631085395813},{"word":"zurich","start":438.465,"end":438.965,"confidence":0.9707031,"punctuated_word":"Zurich","sentiment":"neutral","sentiment_score":0.25015988945961},{"word":"for","start":439.26498,"end":439.585,"confidence":0.62060547,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2314695119857788},{"word":"the","start":439.585,"end":439.745,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22793889045715332},{"word":"life","start":439.745,"end":440.06497,"confidence":0.9873047,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.24770715832710263},{"word":"insurance","start":440.06497,"end":440.56497,"confidence":0.98095703,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.20889738202095032},{"word":"the","start":441.22,"end":441.38,"confidence":0.625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20226742327213287},{"word":"disability","start":441.38,"end":441.88,"confidence":0.9951172,"punctuated_word":"disability,","sentiment":"neutral","sentiment_score":0.1587732881307602},{"word":"the","start":442.02002,"end":442.18,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18393683433532715},{"word":"income","start":442.18,"end":442.58002,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1673293262720108},{"word":"protection","start":442.58002,"end":443.08002,"confidence":0.8754883,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.17086312174797058},{"word":"a","start":443.54,"end":443.7,"confidence":0.9038086,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19897595047950745},{"word":"few","start":443.7,"end":444.02002,"confidence":0.9970703,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.17796896398067474},{"word":"service","start":444.02002,"end":444.42,"confidence":0.99902344,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.18517696857452393},{"word":"guides","start":444.42,"end":444.66,"confidence":0.8461914,"punctuated_word":"guides","sentiment":"neutral","sentiment_score":0.18074628710746765},{"word":"and","start":444.66,"end":444.9,"confidence":0.7949219,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2437722086906433},{"word":"consent","start":444.9,"end":445.38,"confidence":0.9980469,"punctuated_word":"consent","sentiment":"neutral","sentiment_score":0.2120414674282074},{"word":"forms","start":445.38,"end":445.7,"confidence":0.9838867,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.1902240663766861},{"word":"from","start":445.7,"end":445.86002,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2645260989665985},{"word":"us","start":445.86002,"end":446.02002,"confidence":0.92993164,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":0.22354714572429657},{"word":"and","start":446.02002,"end":446.18,"confidence":0.9482422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2074594795703888},{"word":"a","start":446.18,"end":446.26,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21861127018928528},{"word":"bit","start":446.26,"end":446.42,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2158702313899994},{"word":"of","start":446.42,"end":446.58002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23014681041240692},{"word":"a","start":446.58002,"end":446.74002,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2199386805295944},{"word":"tax","start":446.74002,"end":446.98,"confidence":0.9506836,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.19810917973518372},{"word":"file","start":446.98,"end":447.22,"confidence":0.6328125,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.1428610384464264},{"word":"number","start":447.22,"end":447.62,"confidence":0.9970703,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.15897592902183533},{"word":"opt","start":447.62,"end":447.94,"confidence":0.7080078,"punctuated_word":"opt","sentiment":"neutral","sentiment_score":0.21562406420707703},{"word":"in","start":447.94,"end":448.18,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16831202805042267},{"word":"form","start":448.18,"end":448.42,"confidence":0.9941406,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.18137334287166595},{"word":"as","start":448.42,"end":448.58002,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.22050783038139343},{"word":"well","start":448.58002,"end":449.08002,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.18213146924972537},{"word":"are","start":449.38,"end":449.62,"confidence":0.7246094,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.08466912060976028},{"word":"you","start":449.62,"end":449.94,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10995995998382568},{"word":"able","start":449.94,"end":450.26,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.08941996097564697},{"word":"to","start":450.26,"end":450.34,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09692874550819396},{"word":"look","start":450.34,"end":450.5,"confidence":0.9921875,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08735990524291992},{"word":"onto","start":450.5,"end":450.74002,"confidence":0.50146484,"punctuated_word":"onto","sentiment":"neutral","sentiment_score":0.092063307762146},{"word":"that","start":450.74002,"end":450.98,"confidence":0.87841797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08831625431776047},{"word":"email","start":450.98,"end":451.22,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.1026536375284195},{"word":"with","start":451.22,"end":451.46002,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08593178540468216},{"word":"me","start":451.46002,"end":451.62,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.11195237934589386},{"word":"at","start":451.62,"end":451.7,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09729074686765672},{"word":"the","start":451.7,"end":451.86002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1340225636959076},{"word":"moment","start":451.86002,"end":452.26,"confidence":0.90112305,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.1134243905544281},{"word":"or","start":452.26,"end":452.5,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06719467043876648},{"word":"how","start":452.5,"end":452.66,"confidence":0.6323242,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05262546986341477},{"word":"are","start":452.66,"end":452.74002,"confidence":0.7890625,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05999869853258133},{"word":"you","start":452.74002,"end":452.9,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05169567093253136},{"word":"going","start":452.9,"end":453.14,"confidence":0.99609375,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.05151476711034775},{"word":"to","start":453.14,"end":453.22,"confidence":0.6645508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027533715590834618},{"word":"the","start":453.22,"end":453.525,"confidence":0.90283203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02185886725783348},{"word":"tech","start":462.88498,"end":462.965,"confidence":0.3227539,"punctuated_word":"tech","sentiment":"neutral","sentiment_score":0.0003176592290401459},{"word":"side","start":462.965,"end":463.365,"confidence":0.9655762,"punctuated_word":"side?","sentiment":"neutral","sentiment_score":0.005091821774840355},{"word":"yeah","start":463.365,"end":463.685,"confidence":0.984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06899109482765198},{"word":"that's","start":463.685,"end":463.925,"confidence":0.9909668,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10079766809940338},{"word":"right","start":463.925,"end":464.245,"confidence":0.99853516,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.1430278867483139},{"word":"so","start":464.245,"end":464.485,"confidence":0.97802734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11040476709604265},{"word":"with","start":464.485,"end":464.725,"confidence":0.97314453,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15124453604221344},{"word":"the","start":464.725,"end":464.88498,"confidence":0.9140625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1757459044456482},{"word":"odoo","start":464.88498,"end":465.285,"confidence":0.8803711,"punctuated_word":"Odoo","sentiment":"neutral","sentiment_score":0.16926419734954834},{"word":"system","start":465.285,"end":465.785,"confidence":0.97387695,"punctuated_word":"system,","sentiment":"neutral","sentiment_score":0.1595211625099182},{"word":"if","start":465.925,"end":466.085,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16095760464668274},{"word":"you","start":466.085,"end":466.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12277326732873917},{"word":"actually","start":466.245,"end":466.645,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.1109590083360672},{"word":"click","start":466.645,"end":466.965,"confidence":0.6015625,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.0906362608075142},{"word":"the","start":466.965,"end":467.125,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1262960433959961},{"word":"sign","start":467.125,"end":467.365,"confidence":0.99609375,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.05937035009264946},{"word":"button","start":467.365,"end":467.685,"confidence":0.9914551,"punctuated_word":"button,","sentiment":"neutral","sentiment_score":0.1287122368812561},{"word":"it","start":467.685,"end":467.845,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22086188197135925},{"word":"brings","start":467.845,"end":468.16498,"confidence":0.9980469,"punctuated_word":"brings","sentiment":"neutral","sentiment_score":0.17749731242656708},{"word":"open","start":468.16498,"end":468.485,"confidence":0.9248047,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.13729581236839294},{"word":"all","start":468.485,"end":468.645,"confidence":0.98095703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.14563405513763428},{"word":"documents","start":468.645,"end":469.145,"confidence":0.7553711,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.119921013712883},{"word":"to","start":469.205,"end":469.5,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15026986598968506},{"word":"scroll","start":469.58,"end":469.74,"confidence":0.99121094,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.142415851354599},{"word":"through","start":469.74,"end":470.24,"confidence":0.99609375,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.12436717748641968},{"word":"it","start":470.54,"end":470.78,"confidence":0.890625,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.006054103374481201},{"word":"doesn't","start":470.78,"end":471.02,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.08095220476388931},{"word":"actually","start":471.02,"end":471.5,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.04502292722463608},{"word":"sign","start":471.5,"end":471.82,"confidence":0.9921875,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.09538900852203368},{"word":"anything","start":471.82,"end":472.22,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.1508450210094452},{"word":"until","start":472.22,"end":472.54,"confidence":0.9951172,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.1768687218427658},{"word":"the","start":472.54,"end":472.7,"confidence":0.9667969,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09552181512117386},{"word":"end","start":472.7,"end":473.2,"confidence":0.99316406,"punctuated_word":"end.","sentiment":"neutral","sentiment_score":-0.026272639632225037},{"word":"so","start":477.66,"end":477.98,"confidence":0.7163086,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0365043580532074},{"word":"it","start":477.98,"end":478.14,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.037697117775678635},{"word":"may","start":478.14,"end":478.3,"confidence":0.8457031,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.0025390498340129852},{"word":"take","start":478.3,"end":478.46,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.0035519003868103027},{"word":"a","start":478.46,"end":478.62,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012983106076717377},{"word":"second","start":478.62,"end":478.94,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.008482793346047401},{"word":"to","start":478.94,"end":479.02,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00873292051255703},{"word":"load","start":479.02,"end":479.26,"confidence":0.9848633,"punctuated_word":"load,","sentiment":"neutral","sentiment_score":0.0038648582994937897},{"word":"but","start":479.26,"end":479.42,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.016500279307365417},{"word":"you","start":479.42,"end":479.58,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03833531215786934},{"word":"should","start":479.58,"end":479.82,"confidence":0.984375,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.05586441606283188},{"word":"see","start":479.82,"end":480.14,"confidence":0.98828125,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.04423847794532776},{"word":"our","start":480.14,"end":480.38,"confidence":0.96972656,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.048874594271183014},{"word":"letterhead","start":480.38,"end":480.78,"confidence":0.845459,"punctuated_word":"letterhead","sentiment":"neutral","sentiment_score":0.038942866027355194},{"word":"at","start":480.78,"end":480.94,"confidence":0.5776367,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06626468151807785},{"word":"the","start":480.94,"end":481.18,"confidence":0.87353516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.059488799422979355},{"word":"top","start":481.18,"end":481.34,"confidence":0.9633789,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.0634177178144455},{"word":"of","start":481.34,"end":481.5,"confidence":0.5083008,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06034588441252709},{"word":"the","start":481.5,"end":481.66,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.043469175696372986},{"word":"first","start":481.66,"end":481.98,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.034881409257650375},{"word":"one","start":481.98,"end":482.22,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04686754941940307},{"word":"for","start":482.22,"end":482.46,"confidence":0.4909668,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04958019778132439},{"word":"the","start":482.46,"end":482.7,"confidence":0.9604492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06192865967750549},{"word":"super","start":482.7,"end":483.1,"confidence":0.8491211,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.10301735997200012},{"word":"and","start":483.1,"end":483.26,"confidence":0.5708008,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05521029978990555},{"word":"insurance","start":483.26,"end":483.74,"confidence":0.984375,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.04241402819752693},{"word":"summary","start":483.74,"end":484.24,"confidence":0.9970703,"punctuated_word":"summary.","sentiment":"neutral","sentiment_score":0.05413682386279106},{"word":"that's","start":499.32498,"end":499.565,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2076147049665451},{"word":"the","start":499.565,"end":499.805,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.159123957157135},{"word":"one","start":499.805,"end":500.22,"confidence":0.9658203,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.15171533823013306},{"word":"so","start":500.54,"end":500.86002,"confidence":0.97509766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17361438274383545},{"word":"with","start":500.86002,"end":501.18,"confidence":0.9921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17467612028121948},{"word":"zurich","start":501.18,"end":501.66,"confidence":0.9880371,"punctuated_word":"Zurich,","sentiment":"neutral","sentiment_score":0.20322303473949432},{"word":"you've","start":501.66,"end":502.06,"confidence":0.99853516,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.18311235308647156},{"word":"got","start":502.06,"end":502.46,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.18092767894268036},{"word":"a","start":502.46,"end":502.62,"confidence":0.9760742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1742256134748459},{"word":"110,000","start":502.62,"end":503.74,"confidence":0.9992676,"punctuated_word":"110,000","sentiment":"neutral","sentiment_score":0.18208348751068115},{"word":"of","start":503.74,"end":503.9,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16063366830348969},{"word":"life","start":503.9,"end":504.14,"confidence":0.99609375,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.1578850299119949},{"word":"and","start":504.14,"end":504.38,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1621944010257721},{"word":"disability","start":504.38,"end":504.88,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.11056239902973176},{"word":"insurance","start":505.02,"end":505.52,"confidence":0.9621582,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":0.13048651814460754},{"word":"that's","start":505.98,"end":506.38,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11114146560430528},{"word":"your","start":506.38,"end":506.86002,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1126166135072708},{"word":"your","start":506.86002,"end":507.1,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1173308566212654},{"word":"lump","start":507.1,"end":507.42,"confidence":0.99902344,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.15136055648326874},{"word":"sum","start":507.42,"end":507.66,"confidence":0.99902344,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.13757510483264923},{"word":"if","start":507.66,"end":507.82,"confidence":0.5913086,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02348143979907036},{"word":"you","start":507.82,"end":507.9,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0012992024421691897},{"word":"can","start":507.9,"end":508.06,"confidence":0.98095703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.09451404213905334},{"word":"never","start":508.06,"end":508.38,"confidence":0.98828125,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.11353868991136552},{"word":"work","start":508.38,"end":508.54,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.12959155440330505},{"word":"again","start":508.54,"end":508.86,"confidence":1.0,"punctuated_word":"again","sentiment":"neutral","sentiment_score":-0.1745782494544983},{"word":"or","start":508.86,"end":509.02,"confidence":0.91748047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.18610568344593048},{"word":"you","start":509.02,"end":509.18,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18943849205970764},{"word":"pass","start":509.18,"end":509.42,"confidence":0.61035156,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.28686922788619995},{"word":"away","start":509.42,"end":509.74,"confidence":0.95043945,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":0.002406064420938492},{"word":"they're","start":509.74,"end":509.9,"confidence":0.85595703,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.12334676086902618},{"word":"kind","start":509.9,"end":510.14,"confidence":0.9316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06325430423021317},{"word":"of","start":510.14,"end":510.3,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11818670481443404},{"word":"linked","start":510.3,"end":510.54,"confidence":0.9941406,"punctuated_word":"linked","sentiment":"neutral","sentiment_score":0.10968106240034103},{"word":"together","start":510.54,"end":511.04,"confidence":0.9970703,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.1387147158384323},{"word":"and","start":512.425,"end":512.66504,"confidence":0.6855469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11681759357452393},{"word":"you","start":512.66504,"end":512.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11530440300703047},{"word":"wanted","start":512.745,"end":513.065,"confidence":0.90234375,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.10433454066514967},{"word":"me","start":513.065,"end":513.22504,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12091447412967682},{"word":"to","start":513.22504,"end":513.305,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13161194324493408},{"word":"do","start":513.305,"end":513.54504,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10998651385307312},{"word":"any","start":513.54504,"end":513.705,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0868513286113739},{"word":"kind","start":513.705,"end":513.945,"confidence":0.9902344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0410396084189415},{"word":"of","start":513.945,"end":514.185,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10435061156749724},{"word":"changes","start":514.185,"end":514.585,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.07812998443841934},{"word":"or","start":514.585,"end":514.825,"confidence":0.9086914,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11108285933732986},{"word":"quotes","start":514.825,"end":515.145,"confidence":0.61083984,"punctuated_word":"quotes","sentiment":"neutral","sentiment_score":0.03546971082687378},{"word":"for","start":515.145,"end":515.305,"confidence":0.43725586,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07852435857057571},{"word":"those","start":515.305,"end":515.54504,"confidence":0.9838867,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09359769523143768},{"word":"amounts","start":515.54504,"end":516.04504,"confidence":0.6035156,"punctuated_word":"amounts","sentiment":"neutral","sentiment_score":0.08060210198163986},{"word":"this","start":516.185,"end":516.34503,"confidence":0.8828125,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06610174477100372},{"word":"year","start":516.34503,"end":516.84503,"confidence":0.97875977,"punctuated_word":"year?","sentiment":"neutral","sentiment_score":0.0806753933429718},{"word":"cool","start":520.34503,"end":520.84503,"confidence":0.7409668,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4276495575904846},{"word":"when","start":521.22504,"end":521.385,"confidence":0.9658203,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.1886369287967682},{"word":"it","start":521.385,"end":521.54504,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20701323449611664},{"word":"comes","start":521.54504,"end":521.78503,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.16084402799606323},{"word":"to","start":521.78503,"end":521.945,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1501466929912567},{"word":"the","start":521.945,"end":522.10504,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1928127110004425},{"word":"income","start":522.10504,"end":522.425,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.12371507287025452},{"word":"protection","start":522.425,"end":522.905,"confidence":0.8876953,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.07845212519168854},{"word":"so","start":522.905,"end":522.985,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.054983027279376984},{"word":"i","start":522.985,"end":523.145,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10733576118946075},{"word":"do","start":523.145,"end":523.305,"confidence":0.98291016,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11724058538675308},{"word":"a","start":523.305,"end":523.54504,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11960896849632265},{"word":"little","start":523.54504,"end":523.78503,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1085422709584236},{"word":"bit","start":523.78503,"end":524.025,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.10745132714509964},{"word":"of","start":524.025,"end":524.185,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14535114169120789},{"word":"a","start":524.185,"end":524.505,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1104912981390953},{"word":"a","start":524.505,"end":524.66504,"confidence":0.52734375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08888434618711472},{"word":"calculation","start":524.66504,"end":525.16504,"confidence":1.0,"punctuated_word":"calculation","sentiment":"neutral","sentiment_score":0.10192467272281648},{"word":"work","start":525.385,"end":525.705,"confidence":0.7421875,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.0638665109872818},{"word":"back","start":525.705,"end":526.185,"confidence":0.81152344,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.08383151888847351},{"word":"now","start":526.185,"end":526.425,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08996418863534927},{"word":"just","start":526.425,"end":526.66504,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0909929946064949},{"word":"bear","start":526.66504,"end":526.905,"confidence":0.99316406,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":0.08260326087474823},{"word":"in","start":526.905,"end":527.065,"confidence":0.98095703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10367442667484283},{"word":"mind","start":527.065,"end":527.565,"confidence":0.9921875,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":0.13227596879005432},{"word":"they","start":528.12,"end":528.36,"confidence":0.9902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.10922884196043016},{"word":"cover","start":528.36,"end":528.68,"confidence":0.97998047,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.1564112901687622},{"word":"you","start":528.68,"end":528.84,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18195784091949463},{"word":"for","start":528.84,"end":529.08,"confidence":0.93115234,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16247564554214478},{"word":"70%","start":529.08,"end":529.88,"confidence":0.9995117,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.17174091935157776},{"word":"of","start":529.88,"end":530.04004,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17620103061199188},{"word":"your","start":530.04004,"end":530.2,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1670689880847931},{"word":"income","start":530.2,"end":530.7,"confidence":0.951416,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.18264541029930115},{"word":"and","start":531.08,"end":531.4,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2064381092786789},{"word":"they're","start":531.4,"end":531.72003,"confidence":0.98095703,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.24474966526031497},{"word":"technically","start":531.72003,"end":532.22003,"confidence":0.98828125,"punctuated_word":"technically","sentiment":"neutral","sentiment_score":0.16632458567619324},{"word":"insuring","start":532.44,"end":532.76,"confidence":0.98999023,"punctuated_word":"insuring","sentiment":"neutral","sentiment_score":0.1956188678741455},{"word":"you","start":532.76,"end":533.0,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22769415378570557},{"word":"for","start":533.0,"end":533.16003,"confidence":0.94628906,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18396928906440735},{"word":"an","start":533.16003,"end":533.4,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0855051577091217},{"word":"income","start":533.4,"end":533.72003,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.12619459629058838},{"word":"of","start":533.72003,"end":533.96,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1263635903596878},{"word":"72,000","start":533.96,"end":535.10004,"confidence":0.98128253,"punctuated_word":"72,000.","sentiment":"neutral","sentiment_score":0.1651546061038971},{"word":"you","start":535.64,"end":535.88,"confidence":0.8964844,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.05341335758566856},{"word":"mentioned","start":535.88,"end":536.36,"confidence":0.9980469,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.054324887692928314},{"word":"68,000","start":536.36,"end":537.5,"confidence":0.9437663,"punctuated_word":"68,000,","sentiment":"neutral","sentiment_score":0.06707551330327988},{"word":"so","start":537.72003,"end":537.96,"confidence":0.98828125,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.06678324937820435},{"word":"it's","start":537.96,"end":538.12,"confidence":0.9819336,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06307940185070038},{"word":"pretty","start":538.12,"end":538.52,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.05212327092885971},{"word":"close","start":538.52,"end":538.84,"confidence":0.9758301,"punctuated_word":"close,","sentiment":"neutral","sentiment_score":-0.06451573222875595},{"word":"but","start":538.84,"end":539.0,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1178814023733139},{"word":"you're","start":539.0,"end":539.24,"confidence":0.98828125,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.24511754512786865},{"word":"technically","start":539.24,"end":539.72003,"confidence":0.99121094,"punctuated_word":"technically","sentiment":"neutral","sentiment_score":-0.25030380487442017},{"word":"a","start":539.72003,"end":539.88,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.26796892285346985},{"word":"tiny","start":539.88,"end":540.28,"confidence":1.0,"punctuated_word":"tiny","sentiment":"neutral","sentiment_score":-0.2695709764957428},{"word":"bit","start":540.28,"end":540.44,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.285452276468277},{"word":"over","start":540.44,"end":540.76,"confidence":0.9941406,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.09632928669452669},{"word":"insured","start":540.76,"end":541.24,"confidence":0.66845703,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":-0.15722554922103882},{"word":"with","start":541.24,"end":541.4,"confidence":0.7871094,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.23622842133045197},{"word":"your","start":541.4,"end":541.56,"confidence":0.93115234,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.16566896438598633},{"word":"current","start":541.56,"end":541.8,"confidence":0.9838867,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.12230221927165984},{"word":"income","start":541.8,"end":542.3,"confidence":0.9807129,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":-0.09310926496982574},{"word":"now","start":545.185,"end":545.425,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.04517246037721634},{"word":"it's","start":545.425,"end":545.66504,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.03398609906435013},{"word":"one","start":545.66504,"end":545.825,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03557708114385605},{"word":"of","start":545.825,"end":545.905,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02649011462926865},{"word":"the","start":545.905,"end":546.065,"confidence":0.7182617,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03204856067895889},{"word":"things","start":546.065,"end":546.305,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.02345588058233261},{"word":"where","start":546.305,"end":546.78503,"confidence":0.9404297,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.02873951196670532},{"word":"you","start":546.78503,"end":546.945,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.029001355171203613},{"word":"can","start":546.945,"end":547.185,"confidence":0.7788086,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.015561260282993317},{"word":"trim","start":547.185,"end":547.425,"confidence":1.0,"punctuated_word":"trim","sentiment":"neutral","sentiment_score":-0.04464251548051834},{"word":"it","start":547.425,"end":547.585,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.029723450541496277},{"word":"down","start":547.585,"end":547.905,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.04064664989709854},{"word":"a","start":547.905,"end":547.985,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06340590119361877},{"word":"little","start":547.985,"end":548.22504,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.08169803023338318},{"word":"bit","start":548.22504,"end":548.465,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.09062985330820084},{"word":"to","start":548.465,"end":548.625,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07477822154760361},{"word":"try","start":548.625,"end":548.78503,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.0421823188662529},{"word":"and","start":548.78503,"end":548.945,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.007463827729225159},{"word":"get","start":548.945,"end":549.105,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.005525067448616028},{"word":"the","start":549.105,"end":549.265,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0011076778173446655},{"word":"premiums","start":549.265,"end":549.745,"confidence":0.7817383,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.0456676110625267},{"word":"down","start":549.745,"end":550.065,"confidence":0.8120117,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.0016676411032676697},{"word":"probably","start":550.065,"end":550.565,"confidence":0.96533203,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.1540573239326477},{"word":"wouldn't","start":550.78503,"end":551.185,"confidence":0.89575195,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.11340846121311188},{"word":"do","start":551.185,"end":551.66504,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.12952807545661926},{"word":"too","start":551.66504,"end":551.985,"confidence":0.9165039,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.17134647071361542},{"word":"much","start":551.985,"end":552.465,"confidence":0.82788086,"punctuated_word":"much,","sentiment":"neutral","sentiment_score":-0.17353615164756775},{"word":"but","start":552.465,"end":552.965,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.16386640071868896},{"word":"does","start":553.505,"end":553.745,"confidence":0.92578125,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.12323995679616928},{"word":"that","start":553.745,"end":553.905,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09370673447847366},{"word":"sort","start":553.905,"end":554.145,"confidence":0.9980469,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.13368546962738037},{"word":"of","start":554.145,"end":554.305,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16101157665252686},{"word":"over","start":554.305,"end":554.545,"confidence":0.9951172,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.18706443905830383},{"word":"insurance","start":554.545,"end":555.045,"confidence":0.64404297,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.1455216407775879},{"word":"make","start":555.105,"end":555.34503,"confidence":0.9223633,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.08134348690509796},{"word":"sense","start":555.34503,"end":555.84503,"confidence":0.99853516,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.06511987745761871},{"word":"if","start":558.91,"end":559.07,"confidence":0.9604492,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.006821181625127792},{"word":"i","start":559.07,"end":559.23,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0036618225276470184},{"word":"go","start":559.23,"end":559.70996,"confidence":0.9941406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.02695475146174431},{"word":"68070%","start":559.70996,"end":564.05,"confidence":0.9091797,"punctuated_word":"68070%","sentiment":"neutral","sentiment_score":0.02885928750038147},{"word":"in","start":564.11,"end":564.50995,"confidence":0.55322266,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.006448566913604736},{"word":"monthly","start":564.50995,"end":565.00995,"confidence":0.98095703,"punctuated_word":"monthly...","sentiment":"neutral","sentiment_score":0.006253911182284355},{"word":"so","start":565.23,"end":565.47,"confidence":0.78125,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.006938472390174866},{"word":"realistically","start":565.47,"end":565.97,"confidence":0.9995117,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.0006546403164975345},{"word":"let's","start":566.19,"end":566.50995,"confidence":0.9995117,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.0011084775906056166},{"word":"say","start":566.50995,"end":567.00995,"confidence":0.9980469,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.011982161551713943},{"word":"you","start":567.07,"end":567.23,"confidence":0.8432617,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006651896983385086},{"word":"went","start":567.23,"end":567.47,"confidence":0.9980469,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.006514973938465118},{"word":"on","start":567.47,"end":567.70996,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.008953854441642761},{"word":"claim","start":567.70996,"end":568.02997,"confidence":0.63964844,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.026467449963092804},{"word":"now","start":568.02997,"end":568.52997,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.014772310853004456},{"word":"and","start":568.58997,"end":568.82996,"confidence":0.5761719,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0006612688302993774},{"word":"you","start":568.82996,"end":569.07,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0059419311583042145},{"word":"said","start":569.07,"end":569.23,"confidence":0.9890137,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.005480604246258736},{"word":"oh","start":569.23,"end":569.38995,"confidence":0.97265625,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.03138269856572151},{"word":"here's","start":569.38995,"end":569.63,"confidence":0.9980469,"punctuated_word":"here's","sentiment":"neutral","sentiment_score":0.03945676237344742},{"word":"my","start":569.63,"end":569.79,"confidence":0.99316406,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.04927960783243179},{"word":"tax","start":569.79,"end":570.11,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.08189640939235687},{"word":"return","start":570.11,"end":570.50995,"confidence":0.9394531,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.05605974793434143},{"word":"i'm","start":570.50995,"end":570.75,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.037058860063552856},{"word":"on","start":570.75,"end":570.99,"confidence":0.9941406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05213811621069908},{"word":"68,000","start":570.99,"end":572.05,"confidence":0.9567871,"punctuated_word":"68,000.","sentiment":"neutral","sentiment_score":0.05432409793138504},{"word":"they","start":572.675,"end":572.83496,"confidence":0.9819336,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.09321656823158264},{"word":"would","start":572.83496,"end":573.15497,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.10150952637195589},{"word":"pay","start":573.15497,"end":573.395,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.07206650078296661},{"word":"you","start":573.395,"end":573.895,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10748983174562454},{"word":"4,000","start":574.27496,"end":574.915,"confidence":0.9995117,"punctuated_word":"4,000","sentiment":"neutral","sentiment_score":0.07705903053283691},{"word":"a","start":574.915,"end":575.075,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07874847203493118},{"word":"month","start":575.075,"end":575.315,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.06935697048902512},{"word":"instead","start":575.315,"end":575.555,"confidence":0.9951172,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.03226859122514725},{"word":"of","start":575.555,"end":575.71497,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03474292904138565},{"word":"4,200","start":575.71497,"end":576.755,"confidence":0.99975586,"punctuated_word":"4,200","sentiment":"neutral","sentiment_score":0.035213273018598557},{"word":"a","start":576.755,"end":576.915,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.060939475893974304},{"word":"month","start":576.915,"end":577.075,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.07217321544885635},{"word":"because","start":577.075,"end":577.395,"confidence":0.6533203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.10177002102136612},{"word":"that's","start":577.395,"end":577.71497,"confidence":0.9904785,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.10114460438489914},{"word":"your","start":577.71497,"end":578.035,"confidence":0.7783203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10967211425304411},{"word":"your","start":578.035,"end":578.27496,"confidence":0.97265625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08915641158819199},{"word":"income","start":578.27496,"end":578.675,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.08939793705940247},{"word":"on","start":578.675,"end":578.915,"confidence":0.9506836,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08670278638601303},{"word":"paper","start":578.915,"end":579.415,"confidence":0.8129883,"punctuated_word":"paper.","sentiment":"neutral","sentiment_score":0.04957722872495651},{"word":"k","start":582.675,"end":583.175,"confidence":0.68481445,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.015260669402778149},{"word":"it's","start":583.315,"end":583.555,"confidence":0.98535156,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.03112504445016384},{"word":"a","start":583.555,"end":583.71497,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04355572536587715},{"word":"thirty","start":583.71497,"end":584.115,"confidence":0.99902344,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.0427851602435112},{"word":"day","start":584.115,"end":584.27496,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.03940761089324951},{"word":"waiting","start":584.27496,"end":584.595,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":-0.02873121201992035},{"word":"period","start":584.595,"end":584.83496,"confidence":0.80566406,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":-0.0769176036119461},{"word":"so","start":584.83496,"end":584.995,"confidence":0.9892578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05702993646264076},{"word":"if","start":584.995,"end":585.075,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.10284546762704848},{"word":"you're","start":585.075,"end":585.235,"confidence":0.9941406,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.13837479054927826},{"word":"out","start":585.235,"end":585.395,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1945110559463501},{"word":"of","start":585.395,"end":585.555,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2605637311935425},{"word":"work","start":585.555,"end":585.71497,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.2140422761440277},{"word":"for","start":585.71497,"end":585.875,"confidence":0.78759766,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2482132911682129},{"word":"more","start":585.875,"end":586.035,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.22553877532482147},{"word":"than","start":586.035,"end":586.195,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.20452269911766052},{"word":"a","start":586.195,"end":586.355,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15043282508850098},{"word":"month","start":586.355,"end":586.59,"confidence":0.8937988,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":-0.11832962930202484},{"word":"so","start":587.55005,"end":587.67004,"confidence":0.6392822,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.1462535262107849},{"word":"you","start":587.67004,"end":587.79004,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17538410425186157},{"word":"know","start":587.79004,"end":588.19,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.17075183987617493},{"word":"illness","start":588.19,"end":588.59,"confidence":0.87158203,"punctuated_word":"illness","sentiment":"neutral","sentiment_score":-0.1482284814119339},{"word":"or","start":588.59,"end":588.75,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.19172489643096924},{"word":"injury","start":588.75,"end":589.25,"confidence":0.9873047,"punctuated_word":"injury,","sentiment":"neutral","sentiment_score":-0.1315353512763977},{"word":"it'll","start":589.39,"end":589.79004,"confidence":0.7141113,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":-0.09301578998565674},{"word":"kick","start":589.79004,"end":590.03,"confidence":0.99902344,"punctuated_word":"kick","sentiment":"neutral","sentiment_score":-0.07898539304733276},{"word":"in","start":590.03,"end":590.27,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08584409952163696},{"word":"monthly","start":590.27,"end":590.67004,"confidence":0.99902344,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":-0.09918530285358428},{"word":"for","start":590.67004,"end":590.91003,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10832840204238892},{"word":"up","start":590.91003,"end":591.07,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.09435240924358368},{"word":"to","start":591.07,"end":591.15,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11314333975315094},{"word":"two","start":591.15,"end":591.39,"confidence":0.9838867,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.06006491929292679},{"word":"years","start":591.39,"end":591.89,"confidence":0.9995117,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.07786513864994049},{"word":"now","start":594.83,"end":595.23004,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.00011994689702987672},{"word":"are","start":595.23004,"end":595.39,"confidence":0.99316406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0018034204840660095},{"word":"you","start":595.39,"end":595.71,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017550095915794373},{"word":"expecting","start":595.71,"end":596.21,"confidence":1.0,"punctuated_word":"expecting","sentiment":"neutral","sentiment_score":0.005357801914215088},{"word":"any","start":596.27,"end":596.51,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03819148987531662},{"word":"kind","start":596.51,"end":596.67004,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.02045036107301712},{"word":"of","start":596.67004,"end":596.91003,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.009871304035186768},{"word":"job","start":596.91003,"end":597.15,"confidence":0.9980469,"punctuated_word":"job","sentiment":"neutral","sentiment_score":-0.07606936246156693},{"word":"changes","start":597.15,"end":597.63,"confidence":0.99609375,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.003091678023338318},{"word":"or","start":597.63,"end":597.79004,"confidence":0.8676758,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.030550509691238403},{"word":"pay","start":597.79004,"end":598.03,"confidence":0.98828125,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.07243365049362183},{"word":"rises","start":598.03,"end":598.43005,"confidence":0.88964844,"punctuated_word":"rises","sentiment":"neutral","sentiment_score":0.06059746816754341},{"word":"the","start":598.43005,"end":598.59,"confidence":0.8183594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013906419277191162},{"word":"next","start":598.59,"end":598.83,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.04263800382614136},{"word":"couple","start":598.83,"end":599.07,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.03839261084794998},{"word":"of","start":599.07,"end":599.15,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.037324391305446625},{"word":"years","start":599.15,"end":599.535,"confidence":0.96191406,"punctuated_word":"years?","sentiment":"neutral","sentiment_score":0.03050404042005539},{"word":"yeah","start":606.975,"end":607.21497,"confidence":0.92333984,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05336616188287735},{"word":"right","start":607.21497,"end":607.71497,"confidence":0.8161621,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.09837925434112547},{"word":"hopefully","start":608.01495,"end":608.51495,"confidence":0.81152344,"punctuated_word":"Hopefully,","sentiment":"neutral","sentiment_score":0.14077848196029663},{"word":"aiming","start":608.735,"end":608.975,"confidence":0.9277344,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.23868544399738312},{"word":"for","start":608.975,"end":609.095,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1961835026741028},{"word":"a","start":609.095,"end":609.21497,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2416369467973709},{"word":"little","start":609.21497,"end":609.45496,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.25161993503570557},{"word":"bit","start":609.45496,"end":609.615,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2027365267276764},{"word":"more","start":609.615,"end":610.115,"confidence":0.935791,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":0.2048804461956024},{"word":"also","start":620.67,"end":621.17,"confidence":0.72314453,"punctuated_word":"Also,","sentiment":"neutral","sentiment_score":0.003268699161708355},{"word":"do","start":621.31,"end":621.47,"confidence":0.9506836,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.002413712441921234},{"word":"you","start":621.47,"end":621.55,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0003776140511035919},{"word":"want","start":621.55,"end":621.70996,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.002917177975177765},{"word":"me","start":621.70996,"end":621.87,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.016174595803022385},{"word":"to","start":621.87,"end":621.95,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006328083574771881},{"word":"kind","start":621.95,"end":622.19,"confidence":0.9350586,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.008717253804206848},{"word":"of","start":622.19,"end":622.35,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011633001267910004},{"word":"leave","start":622.35,"end":622.58997,"confidence":0.99316406,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.008094724267721176},{"word":"this","start":622.58997,"end":622.75,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.015064023435115814},{"word":"one","start":622.75,"end":622.91,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.020554829388856888},{"word":"as","start":622.91,"end":623.14996,"confidence":0.921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.009720787405967712},{"word":"is","start":623.14996,"end":623.31,"confidence":0.65771484,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.009660288691520693},{"word":"for","start":623.31,"end":623.47,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.01443253830075264},{"word":"now","start":623.47,"end":623.63,"confidence":0.83496094,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.003976069390773773},{"word":"and","start":623.63,"end":623.79,"confidence":0.98291016,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.010484760627150536},{"word":"then","start":623.79,"end":623.95,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.01889686845242977},{"word":"if","start":623.95,"end":624.11,"confidence":0.95166016,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.003690909594297409},{"word":"you","start":624.11,"end":624.26996,"confidence":0.9667969,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0009102746844291688},{"word":"do","start":624.26996,"end":624.51,"confidence":0.96875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02010190114378929},{"word":"get","start":624.51,"end":624.75,"confidence":0.99316406,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.008396752178668976},{"word":"that","start":624.75,"end":624.91,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.003749508410692215},{"word":"other","start":624.91,"end":625.14996,"confidence":0.92578125,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.022676823660731316},{"word":"job","start":625.14996,"end":625.55,"confidence":0.9980469,"punctuated_word":"job,","sentiment":"neutral","sentiment_score":-0.01063491776585579},{"word":"we'll","start":625.55,"end":625.79,"confidence":0.99902344,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.01359514147043228},{"word":"just","start":625.79,"end":626.02997,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.005851611495018005},{"word":"kind","start":626.02997,"end":626.19,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.007910527288913727},{"word":"of","start":626.19,"end":626.43,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015312064439058304},{"word":"reassess","start":626.43,"end":626.93,"confidence":1.0,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":0.008875631727278233},{"word":"the","start":626.985,"end":627.485,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01325078308582306},{"word":"the","start":632.505,"end":633.005,"confidence":0.9194336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008356314152479172},{"word":"amount","start":633.505,"end":634.005,"confidence":0.98461914,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":0.02513088844716549},{"word":"oh","start":634.505,"end":634.825,"confidence":0.75683594,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.05624959245324135},{"word":"okay","start":634.825,"end":635.14496,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.062031280249357224},{"word":"yeah","start":635.14496,"end":635.64496,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07228384912014008},{"word":"we'll","start":636.02496,"end":636.185,"confidence":0.84716797,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.1064734160900116},{"word":"do","start":636.185,"end":636.265,"confidence":0.96777344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09792887419462204},{"word":"that","start":636.265,"end":636.765,"confidence":0.99853516,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1010880321264267},{"word":"what","start":637.785,"end":638.02496,"confidence":0.93408203,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.0866798609495163},{"word":"i","start":638.02496,"end":638.185,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08250778168439865},{"word":"might","start":638.185,"end":638.505,"confidence":0.9604492,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.08784785866737366},{"word":"do","start":638.505,"end":638.745,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06958530843257904},{"word":"too","start":638.745,"end":639.065,"confidence":0.96777344,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.08503933995962143},{"word":"is","start":639.065,"end":639.565,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05439094454050064},{"word":"we'll","start":639.8,"end":640.04,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.08101406693458557},{"word":"get","start":640.04,"end":640.12,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08999720215797424},{"word":"the","start":640.12,"end":640.19995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09096631407737732},{"word":"team","start":640.19995,"end":640.6,"confidence":0.99609375,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.09462516009807588},{"word":"to","start":640.6,"end":640.68,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09769465029239656},{"word":"kind","start":640.68,"end":640.92,"confidence":0.9277344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08178883790969849},{"word":"of","start":640.92,"end":641.0,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10214683413505554},{"word":"give","start":641.0,"end":641.16,"confidence":0.9980469,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.07659637928009033},{"word":"you","start":641.16,"end":641.31995,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10250642895698547},{"word":"a","start":641.31995,"end":641.81995,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10037431120872498},{"word":"buzz","start":642.0399,"end":642.5399,"confidence":1.0,"punctuated_word":"buzz","sentiment":"neutral","sentiment_score":0.0953311026096344},{"word":"in","start":642.75995,"end":642.92,"confidence":0.9448242,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0804867371916771},{"word":"a","start":642.92,"end":643.07996,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0898469090461731},{"word":"couple","start":643.07996,"end":643.31995,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.052646614611148834},{"word":"of","start":643.31995,"end":643.39996,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07049618661403656},{"word":"weeks","start":643.39996,"end":643.89996,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.05516999959945679},{"word":"just","start":643.95996,"end":644.19995,"confidence":0.9404297,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0631772056221962},{"word":"to","start":644.19995,"end":644.36,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04412397742271423},{"word":"see","start":644.36,"end":644.6,"confidence":0.9921875,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0350210964679718},{"word":"how","start":644.6,"end":644.83997,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.06093314290046692},{"word":"that","start":644.83997,"end":645.0,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0938599407672882},{"word":"went","start":645.0,"end":645.5,"confidence":0.9946289,"punctuated_word":"went.","sentiment":"neutral","sentiment_score":0.07955275475978851},{"word":"cool","start":647.8,"end":648.3,"confidence":0.9477539,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4659270644187927},{"word":"premiums","start":649.0,"end":649.5,"confidence":0.68082684,"punctuated_word":"Premiums,","sentiment":"positive","sentiment_score":0.48722347617149353},{"word":"$215.07","start":649.63995,"end":651.01996,"confidence":0.9987793,"punctuated_word":"$215.07","sentiment":"positive","sentiment_score":0.5031996369361877},{"word":"per","start":651.07996,"end":651.31995,"confidence":0.99609375,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.3091775178909302},{"word":"year","start":651.31995,"end":651.72,"confidence":0.8022461,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.25142768025398254},{"word":"15%","start":651.72,"end":652.43994,"confidence":0.9946289,"punctuated_word":"15%","sentiment":"positive","sentiment_score":0.48640406131744385},{"word":"rebate","start":652.43994,"end":652.83997,"confidence":0.9970703,"punctuated_word":"rebate","sentiment":"positive","sentiment_score":0.4745377600193024},{"word":"drops","start":652.83997,"end":653.24,"confidence":0.91015625,"punctuated_word":"drops","sentiment":"positive","sentiment_score":0.5018059015274048},{"word":"down","start":653.24,"end":653.56,"confidence":0.2697754,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.4401814937591553},{"word":"under","start":653.56,"end":653.8,"confidence":0.78759766,"punctuated_word":"under","sentiment":"positive","sentiment_score":0.41659247875213623},{"word":"$2","start":653.8,"end":654.27997,"confidence":0.9230957,"punctuated_word":"$2,","sentiment":"neutral","sentiment_score":0.32609274983406067},{"word":"so","start":654.27997,"end":654.43994,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.48845213651657104},{"word":"that's","start":654.43994,"end":654.75995,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.6996729373931885},{"word":"pretty","start":654.75995,"end":655.0,"confidence":0.9902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6538282036781311},{"word":"good","start":655.0,"end":655.425,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5506981015205383},{"word":"i","start":655.985,"end":656.225,"confidence":0.96972656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13337342441082},{"word":"do","start":656.225,"end":656.46497,"confidence":0.99121094,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07759548723697662},{"word":"need","start":656.46497,"end":656.625,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.08133867383003235},{"word":"to","start":656.625,"end":656.785,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05176708847284317},{"word":"keep","start":656.785,"end":656.945,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.03380980342626572},{"word":"an","start":656.945,"end":657.105,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.019343435764312744},{"word":"eye","start":657.105,"end":657.345,"confidence":1.0,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":-0.007642194628715515},{"word":"on","start":657.345,"end":657.845,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02670880407094955},{"word":"premiums","start":657.90497,"end":658.40497,"confidence":0.9892578,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":-0.029596153646707535},{"word":"because","start":658.46497,"end":658.865,"confidence":0.8964844,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.05384373664855957},{"word":"the","start":658.865,"end":659.105,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04213970899581909},{"word":"insurance","start":659.105,"end":659.505,"confidence":0.9633789,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.04655671864748001},{"word":"would","start":659.505,"end":659.745,"confidence":0.7578125,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.07397203147411346},{"word":"increase","start":659.745,"end":660.225,"confidence":0.8256836,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.031130008399486545},{"word":"every","start":660.225,"end":660.46497,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.09288356453180312},{"word":"year","start":660.46497,"end":660.96497,"confidence":0.99853516,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.049720436334609985},{"word":"i","start":661.185,"end":661.345,"confidence":0.97509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1300426572561264},{"word":"don't","start":661.345,"end":661.505,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.11057927459478378},{"word":"want","start":661.505,"end":661.665,"confidence":0.99609375,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.2367556244134903},{"word":"you","start":661.665,"end":661.825,"confidence":0.8095703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.22156989574432373},{"word":"to","start":661.825,"end":661.985,"confidence":0.78271484,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23356787860393524},{"word":"be","start":661.985,"end":662.46497,"confidence":0.34350586,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.23516008257865903},{"word":"going","start":662.46497,"end":662.785,"confidence":0.9482422,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.20590953528881073},{"word":"backwards","start":662.785,"end":663.185,"confidence":0.9482422,"punctuated_word":"backwards","sentiment":"neutral","sentiment_score":-0.22187861800193787},{"word":"from","start":663.185,"end":663.685,"confidence":0.5620117,"punctuated_word":"from.","sentiment":"neutral","sentiment_score":-0.1866433024406433},{"word":"one","start":666.785,"end":667.02496,"confidence":0.96972656,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.042927853763103485},{"word":"thing","start":667.02496,"end":667.265,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.032634854316711426},{"word":"i","start":667.265,"end":667.345,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04162120074033737},{"word":"will","start":667.345,"end":667.505,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.03520016372203827},{"word":"double","start":667.505,"end":667.745,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":-0.03527373448014259},{"word":"check","start":667.745,"end":667.985,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.026910170912742615},{"word":"with","start":667.985,"end":668.14496,"confidence":0.98828125,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.045928705483675},{"word":"you","start":668.14496,"end":668.305,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03808615729212761},{"word":"is","start":668.305,"end":668.705,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.027065459638834},{"word":"i","start":668.705,"end":669.205,"confidence":0.89453125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04073989763855934},{"word":"believe","start":669.425,"end":669.90497,"confidence":1.0,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":-0.0670308917760849},{"word":"you","start":669.90497,"end":670.14496,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.060155339539051056},{"word":"might","start":670.14496,"end":670.545,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.049551405012607574},{"word":"have","start":670.545,"end":671.045,"confidence":0.90722656,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.07242702692747116},{"word":"like","start":672.12,"end":672.36005,"confidence":0.9772949,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.06499335169792175},{"word":"a","start":672.36005,"end":672.60004,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06606429070234299},{"word":"smoker's","start":672.60004,"end":673.08,"confidence":0.87353516,"punctuated_word":"smoker's","sentiment":"neutral","sentiment_score":-0.08800067007541656},{"word":"rates","start":673.08,"end":673.4,"confidence":0.4152832,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":-0.06389957666397095},{"word":"applied","start":673.4,"end":673.88,"confidence":0.98291016,"punctuated_word":"applied","sentiment":"neutral","sentiment_score":-0.04780661314725876},{"word":"to","start":673.88,"end":674.12,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05094989761710167},{"word":"the","start":674.12,"end":674.28,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.056686967611312866},{"word":"policy","start":674.28,"end":674.78,"confidence":0.99658203,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":-0.060234859585762024},{"word":"i'm","start":675.08,"end":675.4,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05034337565302849},{"word":"just","start":675.4,"end":675.64,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.048857785761356354},{"word":"wondering","start":675.64,"end":676.12,"confidence":1.0,"punctuated_word":"wondering","sentiment":"neutral","sentiment_score":-0.04142889752984047},{"word":"if","start":676.12,"end":676.36005,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.045250680297613144},{"word":"you","start":676.36005,"end":676.52,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05547681078314781},{"word":"might","start":676.52,"end":676.68005,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.06031850352883339},{"word":"be","start":676.68005,"end":677.18005,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06199326366186142},{"word":"twelve","start":677.4,"end":677.64,"confidence":0.9902344,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.0944826751947403},{"word":"months","start":677.64,"end":678.12,"confidence":0.97265625,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.07810596376657486},{"word":"cigarette","start":678.12,"end":678.60004,"confidence":0.94189453,"punctuated_word":"cigarette","sentiment":"neutral","sentiment_score":-0.0760122761130333},{"word":"free","start":678.60004,"end":678.84,"confidence":0.99316406,"punctuated_word":"free","sentiment":"neutral","sentiment_score":-0.08309058845043182},{"word":"or","start":678.84,"end":679.0,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0719505101442337},{"word":"anything","start":679.0,"end":679.32,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.06999984383583069},{"word":"like","start":679.32,"end":679.56,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.10324893891811372},{"word":"that","start":679.56,"end":680.06,"confidence":0.90722656,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.07430913299322128},{"word":"yeah","start":685.445,"end":685.605,"confidence":0.9211426,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06086582690477371},{"word":"if","start":685.605,"end":685.765,"confidence":0.9819336,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.08148123323917389},{"word":"we","start":685.765,"end":685.845,"confidence":0.49414062,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07399136573076248},{"word":"or","start":685.845,"end":686.045,"confidence":0.43652344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0869622603058815},{"word":"if","start":686.045,"end":686.245,"confidence":0.77246094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0832662284374237},{"word":"we","start":686.245,"end":686.40497,"confidence":0.890625,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07755832374095917},{"word":"already","start":686.40497,"end":686.645,"confidence":0.98291016,"punctuated_word":"already","sentiment":"neutral","sentiment_score":-0.09352728724479677},{"word":"have","start":686.645,"end":686.885,"confidence":0.74658203,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07487551867961884},{"word":"since","start":686.885,"end":687.125,"confidence":0.9472656,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.07409482449293137},{"word":"the","start":687.125,"end":687.205,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0628003478050232},{"word":"last","start":687.205,"end":687.445,"confidence":0.9970703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.06270363926887512},{"word":"review","start":687.445,"end":687.765,"confidence":0.9951172,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.06455545127391815},{"word":"or","start":687.765,"end":687.925,"confidence":0.98535156,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06830060482025146},{"word":"anything","start":687.925,"end":688.245,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.07313993573188782},{"word":"like","start":688.245,"end":688.485,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.1215243637561798},{"word":"that","start":688.485,"end":688.985,"confidence":0.9536133,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.07472491264343262},{"word":"that's","start":698.005,"end":698.325,"confidence":0.98535156,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.06878317147493362},{"word":"okay","start":698.325,"end":698.825,"confidence":0.9863281,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.07145832479000092},{"word":"it's","start":699.48,"end":699.72,"confidence":0.9980469,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.1794944703578949},{"word":"one","start":699.72,"end":699.95996,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.1809162199497223},{"word":"of","start":699.95996,"end":700.12,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16218936443328855},{"word":"those","start":700.12,"end":700.27997,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.14974665641784668},{"word":"fun","start":700.27997,"end":700.52,"confidence":0.9658203,"punctuated_word":"fun","sentiment":"neutral","sentiment_score":-0.2172207236289978},{"word":"things","start":700.52,"end":700.92,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.1833522915840149},{"word":"where","start":700.92,"end":701.32,"confidence":0.939209,"punctuated_word":"where,","sentiment":"neutral","sentiment_score":-0.19923418760299683},{"word":"yeah","start":701.32,"end":701.82,"confidence":0.92089844,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.24233123660087583},{"word":"the","start":701.95996,"end":702.2,"confidence":0.95947266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3249126672744751},{"word":"excise","start":702.2,"end":702.6,"confidence":0.6196289,"punctuated_word":"excise","sentiment":"neutral","sentiment_score":-0.3318125605583191},{"word":"tax","start":702.6,"end":702.92,"confidence":0.98095703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.28271135687828064},{"word":"makes","start":702.92,"end":703.16,"confidence":0.7949219,"punctuated_word":"makes","sentiment":"negative","sentiment_score":-0.3708263039588928},{"word":"everything","start":703.16,"end":703.48,"confidence":0.8076172,"punctuated_word":"everything","sentiment":"negative","sentiment_score":-0.3751044273376465},{"word":"get","start":703.48,"end":703.72,"confidence":0.9863281,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.397787481546402},{"word":"more","start":703.72,"end":703.88,"confidence":1.0,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.3982821702957154},{"word":"expensive","start":703.88,"end":704.36,"confidence":0.74658203,"punctuated_word":"expensive,","sentiment":"negative","sentiment_score":-0.3374348282814026},{"word":"and","start":704.36,"end":704.52,"confidence":0.96972656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2882418930530548},{"word":"then","start":704.52,"end":704.68,"confidence":0.9892578,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.2308630496263504},{"word":"they","start":704.68,"end":704.76,"confidence":0.9658203,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.3429575562477112},{"word":"up","start":704.76,"end":704.92,"confidence":0.84814453,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.33253008127212524},{"word":"your","start":704.92,"end":705.16,"confidence":0.9589844,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.3870967924594879},{"word":"insurances","start":705.16,"end":705.66,"confidence":0.8076172,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.30948248505592346},{"word":"too","start":705.72,"end":706.04,"confidence":0.7011719,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":-0.2451225519180298},{"word":"so","start":706.04,"end":706.2,"confidence":0.9707031,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2647175192832947},{"word":"it's","start":706.2,"end":706.27997,"confidence":0.9440918,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.29425618052482605},{"word":"a","start":706.27997,"end":706.36,"confidence":0.48535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2927663028240204},{"word":"little","start":706.36,"end":706.6,"confidence":0.8540039,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.30754125118255615},{"word":"bit","start":706.6,"end":706.76,"confidence":0.99316406,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3382590115070343},{"word":"of","start":706.76,"end":706.83997,"confidence":0.97998047,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.33568012714385986},{"word":"a","start":706.83997,"end":706.92,"confidence":0.96240234,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3507375121116638},{"word":"vicious","start":706.92,"end":707.39996,"confidence":0.9873047,"punctuated_word":"vicious","sentiment":"neutral","sentiment_score":-0.30230748653411865},{"word":"cycle","start":707.39996,"end":707.72,"confidence":0.99902344,"punctuated_word":"cycle","sentiment":"neutral","sentiment_score":-0.28955864906311035},{"word":"there","start":707.72,"end":708.22,"confidence":0.9733887,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.23688438534736633},{"word":"but","start":710.36,"end":710.6,"confidence":0.94970703,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.05299586802721024},{"word":"again","start":710.6,"end":710.92,"confidence":0.9995117,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.040395960211753845},{"word":"i'll","start":710.92,"end":711.08,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.0054375045001506805},{"word":"pencil","start":711.08,"end":711.39996,"confidence":0.94384766,"punctuated_word":"pencil","sentiment":"neutral","sentiment_score":-0.007475621998310089},{"word":"in","start":711.39996,"end":711.56,"confidence":0.98095703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.005840308964252472},{"word":"for","start":711.56,"end":711.72,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0038610920310020447},{"word":"a","start":711.72,"end":711.8,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.000615093857049942},{"word":"bit","start":711.8,"end":711.95996,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.010364867746829988},{"word":"of","start":711.95996,"end":712.27997,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0032090991735458374},{"word":"a","start":712.27997,"end":712.52,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0028780847787857056},{"word":"a","start":712.52,"end":712.6,"confidence":0.8144531,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.008106008172035217},{"word":"quick","start":712.6,"end":712.83997,"confidence":0.99902344,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.03400596231222153},{"word":"check","start":712.83997,"end":713.16,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.02272987738251686},{"word":"on","start":713.16,"end":713.32,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0071837417781353},{"word":"the","start":713.32,"end":713.82,"confidence":0.86279297,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.017278209328651428},{"word":"the","start":714.185,"end":714.425,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.022468794137239456},{"word":"occupation","start":714.425,"end":714.925,"confidence":0.99609375,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":-0.00885789468884468},{"word":"in","start":714.985,"end":715.065,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.008161094039678574},{"word":"a","start":715.065,"end":715.225,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.008316645398736},{"word":"couple","start":715.225,"end":715.545,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.009711094200611116},{"word":"of","start":715.545,"end":715.625,"confidence":0.9819336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.007147252559661865},{"word":"weeks","start":715.625,"end":716.105,"confidence":0.8312988,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":0.003362668678164482},{"word":"so","start":716.105,"end":716.345,"confidence":0.8413086,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.030813202261924744},{"word":"i'll","start":716.345,"end":716.505,"confidence":0.9760742,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.011248642578721046},{"word":"leave","start":716.505,"end":716.665,"confidence":0.9980469,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.005535684525966644},{"word":"those","start":716.665,"end":716.90497,"confidence":0.9741211,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.028780750930309296},{"word":"alone","start":716.90497,"end":717.14496,"confidence":0.97998047,"punctuated_word":"alone","sentiment":"neutral","sentiment_score":-0.03453700616955757},{"word":"for","start":717.14496,"end":717.305,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.022527270019054413},{"word":"now","start":717.305,"end":717.805,"confidence":1.0,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.0009395418455824256},{"word":"you","start":718.185,"end":718.425,"confidence":0.9326172,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.3085407018661499},{"word":"don't","start":718.425,"end":718.665,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.3116806447505951},{"word":"have","start":718.665,"end":718.82495,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.3192758560180664},{"word":"any","start":718.82495,"end":719.065,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.31768089532852173},{"word":"trauma","start":719.065,"end":719.565,"confidence":0.9951172,"punctuated_word":"trauma","sentiment":"negative","sentiment_score":-0.4415477812290192},{"word":"insurance","start":719.625,"end":720.105,"confidence":0.9980469,"punctuated_word":"insurance","sentiment":"negative","sentiment_score":-0.44168007373809814},{"word":"as","start":720.105,"end":720.185,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.2575805187225342},{"word":"well","start":720.185,"end":720.425,"confidence":0.73376465,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.2833317518234253},{"word":"that's","start":720.425,"end":720.665,"confidence":0.8220215,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.2604091763496399},{"word":"the","start":720.665,"end":720.745,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19163301587104797},{"word":"last","start":720.745,"end":721.065,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.18820154666900635},{"word":"one","start":721.065,"end":721.545,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.289987176656723},{"word":"for","start":721.545,"end":722.045,"confidence":0.97265625,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.249324232339859},{"word":"heart","start":722.26495,"end":722.505,"confidence":0.8935547,"punctuated_word":"heart","sentiment":"neutral","sentiment_score":-0.28042373061180115},{"word":"attack","start":722.505,"end":722.82495,"confidence":0.9423828,"punctuated_word":"attack,","sentiment":"neutral","sentiment_score":-0.2496241331100464},{"word":"stroke","start":722.82495,"end":723.065,"confidence":0.98291016,"punctuated_word":"stroke,","sentiment":"neutral","sentiment_score":-0.30777430534362793},{"word":"and","start":723.065,"end":723.225,"confidence":0.99902344,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3370470702648163},{"word":"cancer","start":723.225,"end":723.725,"confidence":0.8125,"punctuated_word":"cancer,","sentiment":"neutral","sentiment_score":-0.30334579944610596},{"word":"but","start":723.865,"end":724.105,"confidence":0.49609375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.25422948598861694},{"word":"that's","start":724.105,"end":724.345,"confidence":1.0,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.33743566274642944},{"word":"more","start":724.345,"end":724.58496,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.28927528858184814},{"word":"like","start":724.58496,"end":724.985,"confidence":0.96435547,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.2965923845767975},{"word":"a","start":724.985,"end":725.14496,"confidence":0.5810547,"punctuated_word":"a...","sentiment":"neutral","sentiment_score":-0.2164577543735504},{"word":"you","start":725.14496,"end":725.305,"confidence":1.0,"punctuated_word":"You","sentiment":"negative","sentiment_score":-0.5030338168144226},{"word":"have","start":725.305,"end":725.46497,"confidence":0.9980469,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.495408833026886},{"word":"to","start":725.46497,"end":725.625,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4852154850959778},{"word":"pay","start":725.625,"end":725.785,"confidence":0.9790039,"punctuated_word":"pay","sentiment":"negative","sentiment_score":-0.5079047679901123},{"word":"for","start":725.785,"end":725.945,"confidence":0.9267578,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.529228687286377},{"word":"that","start":725.945,"end":726.105,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5098567008972168},{"word":"one","start":726.105,"end":726.26495,"confidence":0.99902344,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.60369873046875},{"word":"out","start":726.26495,"end":726.425,"confidence":0.9707031,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.5815722942352295},{"word":"of","start":726.425,"end":726.58496,"confidence":0.9614258,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.6168745160102844},{"word":"pocket","start":726.58496,"end":727.08496,"confidence":0.96533203,"punctuated_word":"pocket.","sentiment":"negative","sentiment_score":-0.4616686999797821},{"word":"cool","start":730.32,"end":730.82,"confidence":0.71325684,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.3328384757041931},{"word":"now","start":731.28,"end":731.78,"confidence":0.95947266,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2027931809425354},{"word":"swinging","start":731.84,"end":732.16003,"confidence":0.42626953,"punctuated_word":"swinging","sentiment":"neutral","sentiment_score":0.16116082668304443},{"word":"over","start":732.16003,"end":732.4,"confidence":0.9614258,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.20812538266181943},{"word":"to","start":732.4,"end":732.56,"confidence":0.9116211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16501495242118835},{"word":"the","start":732.56,"end":732.64,"confidence":0.91503906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1578906625509262},{"word":"super","start":732.64,"end":732.88,"confidence":0.4633789,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1526060849428177},{"word":"there","start":732.88,"end":733.12,"confidence":0.7614746,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.13179099559783936},{"word":"if","start":733.12,"end":733.36005,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17378315329551697},{"word":"you","start":733.36005,"end":733.60004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12816253304481506},{"word":"go","start":733.60004,"end":734.0,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11891558021306992},{"word":"to","start":734.0,"end":734.5,"confidence":0.9404297,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.130043625831604},{"word":"the","start":734.64,"end":734.88,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1226906031370163},{"word":"next","start":734.88,"end":735.38,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.10351534187793732},{"word":"next","start":736.56,"end":736.88,"confidence":0.9550781,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.09389391541481018},{"word":"document","start":736.88,"end":737.38,"confidence":0.9980469,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.13231678307056427},{"word":"you","start":737.60004,"end":737.76,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15215294063091278},{"word":"should","start":737.76,"end":738.0,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.23007658123970032},{"word":"see","start":738.0,"end":738.24,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1874368041753769},{"word":"that","start":738.24,"end":738.48004,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16788890957832336},{"word":"big","start":738.48004,"end":738.72003,"confidence":0.92333984,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.19664783775806427},{"word":"blue","start":738.72003,"end":739.04004,"confidence":0.97509766,"punctuated_word":"blue","sentiment":"neutral","sentiment_score":0.23235061764717105},{"word":"table","start":739.04004,"end":739.52,"confidence":0.99316406,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.14985698461532593},{"word":"for","start":739.52,"end":739.76,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1257481426000595},{"word":"the","start":739.76,"end":740.0,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13109663128852844},{"word":"hub","start":740.0,"end":740.32,"confidence":0.33691406,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.1638118475675583},{"word":"20","start":740.32,"end":740.64,"confidence":0.9760742,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.16693463921546936},{"word":"four","start":740.64,"end":740.88,"confidence":0.9873047,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.11980980634689332},{"word":"report","start":740.88,"end":741.38,"confidence":0.9108887,"punctuated_word":"report.","sentiment":"neutral","sentiment_score":0.10885675251483916},{"word":"now","start":746.81494,"end":747.21497,"confidence":0.45117188,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.001565437763929367},{"word":"i'm","start":747.21497,"end":747.45496,"confidence":0.99560547,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0762534961104393},{"word":"not","start":747.45496,"end":747.615,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.14232170581817627},{"word":"sure","start":747.615,"end":747.855,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.15183618664741516},{"word":"if","start":747.855,"end":748.01495,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1428804099559784},{"word":"you're","start":748.01495,"end":748.175,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.12809741497039795},{"word":"on","start":748.175,"end":748.33496,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.12233304977416992},{"word":"computer","start":748.33496,"end":748.81494,"confidence":0.9790039,"punctuated_word":"computer","sentiment":"neutral","sentiment_score":-0.07611337304115295},{"word":"or","start":748.81494,"end":748.975,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1529330611228943},{"word":"phone","start":748.975,"end":749.295,"confidence":0.9638672,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":-0.1515996754169464},{"word":"i'm","start":749.295,"end":749.535,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1258603036403656},{"word":"just","start":749.535,"end":749.69495,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1041908860206604},{"word":"wondering","start":749.69495,"end":750.01495,"confidence":1.0,"punctuated_word":"wondering","sentiment":"neutral","sentiment_score":-0.09930047392845154},{"word":"if","start":750.01495,"end":750.175,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11021023243665697},{"word":"you","start":750.175,"end":750.25494,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14178495109081268},{"word":"can","start":750.25494,"end":750.495,"confidence":0.50390625,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.11449436098337172},{"word":"make","start":750.495,"end":750.735,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.10449323803186417},{"word":"out","start":750.735,"end":750.89496,"confidence":0.9580078,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.0861029103398323},{"word":"any","start":750.89496,"end":751.13495,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.08364494889974594},{"word":"of","start":751.13495,"end":751.295,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12346424907445908},{"word":"the","start":751.295,"end":751.375,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05783405154943466},{"word":"figures","start":751.375,"end":751.77496,"confidence":0.99609375,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":-0.04311119765043259},{"word":"in","start":751.77496,"end":751.855,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05900135636329651},{"word":"that","start":751.855,"end":752.095,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.005970798432826996},{"word":"table","start":752.095,"end":752.415,"confidence":0.9951172,"punctuated_word":"table","sentiment":"neutral","sentiment_score":-0.09657768160104752},{"word":"or","start":752.415,"end":752.65497,"confidence":0.73779297,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08520425856113434},{"word":"the","start":752.65497,"end":752.735,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08584913611412048},{"word":"words","start":752.735,"end":753.055,"confidence":0.9213867,"punctuated_word":"words.","sentiment":"neutral","sentiment_score":-0.0966249704360962},{"word":"is","start":753.055,"end":753.21497,"confidence":0.9941406,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.05899443477392197},{"word":"it","start":753.21497,"end":753.45496,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02020575851202011},{"word":"clear","start":753.45496,"end":753.95496,"confidence":0.967041,"punctuated_word":"clear?","sentiment":"neutral","sentiment_score":-0.057426538318395615},{"word":"can","start":754.01495,"end":754.25494,"confidence":0.9863281,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.036042220890522},{"word":"you","start":754.25494,"end":754.495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02502119541168213},{"word":"see","start":754.495,"end":754.65497,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.02589208632707596},{"word":"it","start":754.65497,"end":755.01,"confidence":0.9975586,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.05272914096713066},{"word":"yep","start":763.49,"end":763.89,"confidence":0.8112793,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07821956276893616},{"word":"that's","start":763.89,"end":764.21,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.08696402609348297},{"word":"the","start":764.21,"end":764.37,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08605852723121643},{"word":"one","start":764.37,"end":764.87,"confidence":0.9926758,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.10478807985782625},{"word":"now","start":767.705,"end":767.945,"confidence":0.88964844,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08703337609767914},{"word":"what","start":767.945,"end":768.10504,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06756457686424255},{"word":"i","start":768.10504,"end":768.265,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.052548766136169434},{"word":"wanna","start":768.265,"end":768.66504,"confidence":0.53271484,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.08421529829502106},{"word":"kind","start":768.66504,"end":768.905,"confidence":0.83251953,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06334760040044785},{"word":"of","start":768.905,"end":768.98505,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04321809858083725},{"word":"point","start":768.98505,"end":769.22504,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.017288312315940857},{"word":"out","start":769.22504,"end":769.385,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0893922671675682},{"word":"here","start":769.385,"end":769.625,"confidence":0.9326172,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.0836799144744873},{"word":"on","start":769.625,"end":769.705,"confidence":0.8964844,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07219988107681274},{"word":"this","start":769.705,"end":769.945,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.03303699567914009},{"word":"one","start":769.945,"end":770.265,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.032035015523433685},{"word":"is","start":770.265,"end":770.765,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02771308645606041},{"word":"i","start":770.825,"end":770.905,"confidence":0.49145508,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06726104021072388},{"word":"don't","start":770.905,"end":771.065,"confidence":0.9536133,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08055280894041061},{"word":"know","start":771.065,"end":771.305,"confidence":0.7988281,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.11251971125602722},{"word":"if","start":771.305,"end":771.385,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.09099201112985612},{"word":"you're","start":771.385,"end":771.54504,"confidence":0.9885254,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.027445726096630096},{"word":"able","start":771.54504,"end":771.865,"confidence":0.99121094,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.013741511851549149},{"word":"to","start":771.865,"end":771.945,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.003408186137676239},{"word":"see","start":771.945,"end":772.185,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.00786399096250534},{"word":"all","start":772.185,"end":772.42505,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.02642643451690674},{"word":"of","start":772.42505,"end":772.505,"confidence":0.80078125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0003648176789283752},{"word":"the","start":772.505,"end":772.66504,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0209515318274498},{"word":"names","start":772.66504,"end":772.98505,"confidence":0.9970703,"punctuated_word":"names","sentiment":"neutral","sentiment_score":0.011295713484287262},{"word":"of","start":772.98505,"end":773.145,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012231871485710144},{"word":"the","start":773.145,"end":773.385,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026351936161518097},{"word":"funds","start":773.385,"end":773.705,"confidence":0.9760742,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.041135869920253754},{"word":"on","start":773.705,"end":773.865,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02906068414449692},{"word":"the","start":773.865,"end":774.025,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02812046930193901},{"word":"left","start":774.025,"end":774.265,"confidence":1.0,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.043699961155653},{"word":"hand","start":774.265,"end":774.585,"confidence":1.0,"punctuated_word":"hand","sentiment":"neutral","sentiment_score":0.06723307818174362},{"word":"column","start":774.585,"end":775.085,"confidence":1.0,"punctuated_word":"column","sentiment":"neutral","sentiment_score":0.02501634508371353},{"word":"where","start":775.145,"end":775.465,"confidence":0.8222656,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.018180787563323975},{"word":"it's","start":775.465,"end":775.54504,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.007346249185502529},{"word":"got","start":775.54504,"end":775.78503,"confidence":0.8708496,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":-0.014980033040046692},{"word":"like","start":775.78503,"end":775.945,"confidence":0.99658203,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02121140994131565},{"word":"a","start":775.945,"end":776.10504,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10097267478704453},{"word":"benelon","start":776.10504,"end":776.60504,"confidence":0.6147461,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":0.1091102659702301},{"word":"and","start":776.66504,"end":777.16504,"confidence":0.9526367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.048976048827171326},{"word":"a","start":777.54504,"end":777.78503,"confidence":0.91503906,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11295457929372787},{"word":"betashares","start":777.78503,"end":778.28503,"confidence":0.7861328,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":0.11908483505249023},{"word":"and","start":778.585,"end":778.905,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04556633532047272},{"word":"a","start":778.905,"end":778.98505,"confidence":0.92822266,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09024152159690856},{"word":"global","start":778.98505,"end":779.465,"confidence":0.9863281,"punctuated_word":"Global","sentiment":"neutral","sentiment_score":0.08162201941013336},{"word":"x","start":779.465,"end":779.76,"confidence":0.4880371,"punctuated_word":"X","sentiment":"neutral","sentiment_score":0.09890186041593552},{"word":"gold","start":780.08,"end":780.32,"confidence":0.6098633,"punctuated_word":"Gold","sentiment":"neutral","sentiment_score":0.04407162219285965},{"word":"and","start":780.32,"end":780.56,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02802756428718567},{"word":"all","start":780.56,"end":780.8,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.051343370229005814},{"word":"this","start":780.8,"end":780.96,"confidence":0.9770508,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.05508405715227127},{"word":"kind","start":780.96,"end":781.2,"confidence":0.9667969,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.04607636108994484},{"word":"of","start":781.2,"end":781.28,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.029338113963603973},{"word":"thing","start":781.28,"end":781.52,"confidence":0.73779297,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.0375378355383873},{"word":"all","start":781.52,"end":781.60004,"confidence":0.9199219,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.036830198019742966},{"word":"down","start":781.60004,"end":781.84,"confidence":0.9428711,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.017295770347118378},{"word":"that","start":781.84,"end":782.0,"confidence":0.93603516,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04055848345160484},{"word":"left","start":782.0,"end":782.24,"confidence":0.99902344,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.0028990544378757477},{"word":"hand","start":782.24,"end":782.48,"confidence":0.99902344,"punctuated_word":"hand","sentiment":"neutral","sentiment_score":0.0013604126870632172},{"word":"side","start":782.48,"end":782.98,"confidence":0.9946289,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":-0.02288293093442917},{"word":"now","start":785.52,"end":786.02,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.12378427386283876},{"word":"that's","start":786.24,"end":786.64,"confidence":0.9951172,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.15804234147071838},{"word":"all","start":786.64,"end":786.88,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2112019956111908},{"word":"of","start":786.88,"end":787.04004,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20908863842487335},{"word":"the","start":787.04004,"end":787.12,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1740291714668274},{"word":"options","start":787.12,"end":787.60004,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.08870864659547806},{"word":"inside","start":787.60004,"end":787.92,"confidence":1.0,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.21201491355895996},{"word":"the","start":787.92,"end":788.08,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17892977595329285},{"word":"server","start":788.08,"end":788.48,"confidence":0.9387207,"punctuated_word":"server.","sentiment":"neutral","sentiment_score":0.17755141854286194},{"word":"there's","start":788.48,"end":788.72003,"confidence":0.9875488,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.1914665549993515},{"word":"a","start":788.72003,"end":788.8,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20300808548927307},{"word":"good","start":788.8,"end":789.04004,"confidence":0.99902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2207445502281189},{"word":"sort","start":789.04004,"end":789.2,"confidence":0.9873047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.164070725440979},{"word":"of","start":789.2,"end":789.36,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12176693230867386},{"word":"seven","start":789.36,"end":789.68,"confidence":0.9562988,"punctuated_word":"seven,","sentiment":"neutral","sentiment_score":0.10442715883255003},{"word":"eight","start":789.68,"end":789.84,"confidence":1.0,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.12378568947315216},{"word":"of","start":789.84,"end":790.0,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14074110984802246},{"word":"them","start":790.0,"end":790.5,"confidence":0.99902344,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.1137155145406723},{"word":"some","start":791.12,"end":791.36,"confidence":0.91015625,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":0.10797501355409622},{"word":"of","start":791.36,"end":791.52,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09476848691701888},{"word":"them","start":791.52,"end":791.68,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1126977801322937},{"word":"are","start":791.68,"end":791.84,"confidence":0.9013672,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10441746562719344},{"word":"for","start":791.84,"end":792.08,"confidence":0.9707031,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1023145243525505},{"word":"shares","start":792.08,"end":792.48,"confidence":0.7753906,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.0931641012430191},{"word":"some","start":792.48,"end":792.8,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09507330507040024},{"word":"for","start":792.8,"end":793.04004,"confidence":0.83984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09161148220300674},{"word":"gold","start":793.04004,"end":793.44,"confidence":0.9812012,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.0966855138540268},{"word":"some","start":793.44,"end":793.76,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11611760407686234},{"word":"for","start":793.76,"end":794.0,"confidence":0.9116211,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10175453126430511},{"word":"safe","start":794.0,"end":794.24,"confidence":0.78027344,"punctuated_word":"safe","sentiment":"neutral","sentiment_score":0.06686315685510635},{"word":"things","start":794.24,"end":794.56,"confidence":0.9892578,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.15638887882232666},{"word":"like","start":794.56,"end":794.72003,"confidence":0.6230469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.11902179569005966},{"word":"term","start":794.72003,"end":794.96,"confidence":0.9589844,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.11976590752601624},{"word":"deposits","start":794.96,"end":795.46,"confidence":0.95336914,"punctuated_word":"deposits.","sentiment":"neutral","sentiment_score":0.11875153332948685},{"word":"what","start":796.445,"end":796.685,"confidence":0.9980469,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.1588413268327713},{"word":"i","start":796.685,"end":796.92505,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12231080234050752},{"word":"really","start":796.92505,"end":797.42505,"confidence":0.5488281,"punctuated_word":"really...","sentiment":"neutral","sentiment_score":0.11072006821632384},{"word":"i","start":797.72504,"end":797.885,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.128153994679451},{"word":"guess","start":797.885,"end":798.125,"confidence":1.0,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.12191751599311829},{"word":"the","start":798.125,"end":798.205,"confidence":0.5810547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1396658420562744},{"word":"way","start":798.205,"end":798.365,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.1256330907344818},{"word":"i'd","start":798.365,"end":798.60504,"confidence":0.9658203,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.10351919382810593},{"word":"explain","start":798.60504,"end":798.92505,"confidence":0.9970703,"punctuated_word":"explain","sentiment":"neutral","sentiment_score":0.058047741651535034},{"word":"it","start":798.92505,"end":799.42505,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1240036115050316},{"word":"is","start":799.72504,"end":799.885,"confidence":0.62158203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11307813227176666},{"word":"if","start":799.885,"end":800.04504,"confidence":0.97265625,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18874740600585935},{"word":"you","start":800.04504,"end":800.125,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17135466635227203},{"word":"put","start":800.125,"end":800.445,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.1558176577091217},{"word":"all","start":800.445,"end":800.525,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.17551058530807495},{"word":"of","start":800.525,"end":800.60504,"confidence":0.49804688,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16575756669044495},{"word":"them","start":800.60504,"end":800.765,"confidence":0.9951172,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1880681812763214},{"word":"together","start":800.765,"end":801.265,"confidence":0.9970703,"punctuated_word":"together,","sentiment":"neutral","sentiment_score":0.20681510865688324},{"word":"it","start":801.48505,"end":801.645,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2685289680957794},{"word":"makes","start":801.645,"end":801.885,"confidence":1.0,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.24381054937839508},{"word":"a","start":801.885,"end":801.965,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2204849869012833},{"word":"bit","start":801.965,"end":802.125,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18206533789634705},{"word":"of","start":802.125,"end":802.28503,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17645776271820068},{"word":"a","start":802.28503,"end":802.445,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1726738214492798},{"word":"pie","start":802.445,"end":802.685,"confidence":1.0,"punctuated_word":"pie","sentiment":"neutral","sentiment_score":0.18546192348003387},{"word":"chart","start":802.685,"end":803.185,"confidence":0.99902344,"punctuated_word":"chart","sentiment":"neutral","sentiment_score":0.18291090428829193},{"word":"for","start":803.48505,"end":803.805,"confidence":0.97802734,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17526835203170776},{"word":"the","start":803.805,"end":803.965,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13937364518642426},{"word":"different","start":803.965,"end":804.28503,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.12869255244731903},{"word":"assets","start":804.28503,"end":804.60504,"confidence":0.99609375,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.08988726884126663},{"word":"that","start":804.60504,"end":804.765,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1236363798379898},{"word":"you're","start":804.765,"end":805.005,"confidence":0.99121094,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.12928694486618042},{"word":"invested","start":805.005,"end":805.48505,"confidence":0.9892578,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.10356685519218443},{"word":"in","start":805.48505,"end":805.98505,"confidence":0.9995117,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.1104101985692978},{"word":"now","start":808.365,"end":808.765,"confidence":0.9951172,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.13316452503204346},{"word":"you're","start":808.765,"end":809.005,"confidence":0.9868164,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1602509319782257},{"word":"in","start":809.005,"end":809.16504,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1780075579881668},{"word":"what's","start":809.16504,"end":809.48505,"confidence":0.9873047,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.15610849857330322},{"word":"called","start":809.48505,"end":809.965,"confidence":0.99609375,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.12576386332511902},{"word":"a","start":809.965,"end":810.125,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18078243732452393},{"word":"a","start":810.125,"end":810.205,"confidence":0.76953125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18697647750377655},{"word":"growth","start":810.205,"end":810.685,"confidence":0.9951172,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.13988596200942993},{"word":"portfolio","start":810.685,"end":811.185,"confidence":0.8964844,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.13774624466896057},{"word":"so","start":811.83,"end":812.33,"confidence":0.7741699,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.1467951387166977},{"word":"technically","start":812.47003,"end":812.95,"confidence":1.0,"punctuated_word":"technically","sentiment":"neutral","sentiment_score":0.09550214558839798},{"word":"speaking","start":812.95,"end":813.45,"confidence":0.99902344,"punctuated_word":"speaking,","sentiment":"neutral","sentiment_score":0.11258865892887115},{"word":"four","start":814.07,"end":814.23004,"confidence":0.9980469,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.14001162350177765},{"word":"out","start":814.23004,"end":814.39,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11013329774141312},{"word":"of","start":814.39,"end":814.55005,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12103550136089324},{"word":"five","start":814.55005,"end":814.79004,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.13158807158470154},{"word":"on","start":814.79004,"end":815.03,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07769209891557693},{"word":"the","start":815.03,"end":815.11005,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09407054632902144},{"word":"risk","start":815.11005,"end":815.43005,"confidence":0.9873047,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.001764550805091858},{"word":"scale","start":815.43005,"end":815.93005,"confidence":0.8754883,"punctuated_word":"scale.","sentiment":"neutral","sentiment_score":0.0038391873240470886},{"word":"you're","start":816.31,"end":816.81,"confidence":0.9946289,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.03439763933420181},{"word":"a","start":817.03,"end":817.19,"confidence":0.9526367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.035580508410930634},{"word":"little","start":817.19,"end":817.35004,"confidence":0.9980469,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.00876183807849884},{"word":"bit","start":817.35004,"end":817.59,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.005108684301376343},{"word":"above","start":817.59,"end":817.91003,"confidence":0.9980469,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.06792792677879333},{"word":"medium","start":817.91003,"end":818.41003,"confidence":0.9506836,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":0.023883938789367676},{"word":"in","start":818.47003,"end":818.71,"confidence":0.96533203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09116804599761964},{"word":"terms","start":818.71,"end":819.03,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.09020601212978364},{"word":"of","start":819.03,"end":819.19,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04823648929595947},{"word":"risk","start":819.19,"end":819.43005,"confidence":0.9326172,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.0261726975440979},{"word":"and","start":819.43005,"end":819.59,"confidence":0.64453125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1030569225549698},{"word":"return","start":819.59,"end":820.09,"confidence":0.92749023,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.07290900498628616},{"word":"you're","start":820.23004,"end":820.47003,"confidence":0.99560547,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.009785200469195844},{"word":"not","start":820.47003,"end":820.79004,"confidence":0.9951172,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.02618163824081421},{"word":"high","start":820.79004,"end":821.03,"confidence":0.9838867,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.1178341656923294},{"word":"risk","start":821.03,"end":821.53,"confidence":0.9946289,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":-0.0987236499786377},{"word":"so","start":821.91003,"end":822.39,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14745214581489563},{"word":"what","start":822.39,"end":822.63,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.3327484726905823},{"word":"that","start":822.63,"end":822.95,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2865096628665924},{"word":"does","start":822.95,"end":823.45,"confidence":0.9916992,"punctuated_word":"does,","sentiment":"neutral","sentiment_score":0.2897137403488159},{"word":"we're","start":824.005,"end":824.32495,"confidence":0.99658203,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.3711995482444763},{"word":"basically","start":824.32495,"end":824.82495,"confidence":0.9951172,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.33096349239349365},{"word":"putting","start":824.885,"end":825.285,"confidence":1.0,"punctuated_word":"putting","sentiment":"positive","sentiment_score":0.3509294390678406},{"word":"80%","start":825.285,"end":825.925,"confidence":1.0,"punctuated_word":"80%","sentiment":"positive","sentiment_score":0.3849323391914368},{"word":"of","start":825.925,"end":826.08496,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.44188249111175537},{"word":"your","start":826.08496,"end":826.245,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4502349197864533},{"word":"money","start":826.245,"end":826.725,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.37818238139152527},{"word":"into","start":826.725,"end":827.225,"confidence":0.99902344,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.4203453063964844},{"word":"growth","start":827.52496,"end":827.845,"confidence":0.8798828,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.3126295208930969},{"word":"assets","start":827.845,"end":828.345,"confidence":0.7841797,"punctuated_word":"assets,","sentiment":"positive","sentiment_score":0.3803768157958984},{"word":"which","start":828.485,"end":828.725,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4182787537574768},{"word":"is","start":828.725,"end":828.885,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.31891360878944397},{"word":"like","start":828.885,"end":829.125,"confidence":0.734375,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.29258251190185547},{"word":"shares","start":829.125,"end":829.445,"confidence":0.4807129,"punctuated_word":"shares","sentiment":"positive","sentiment_score":0.3897923529148102},{"word":"company","start":829.445,"end":829.925,"confidence":0.21923828,"punctuated_word":"company","sentiment":"positive","sentiment_score":0.33736833930015564},{"word":"goal","start":829.925,"end":830.425,"confidence":0.74194336,"punctuated_word":"goal,","sentiment":"neutral","sentiment_score":0.33205002546310425},{"word":"20%","start":830.565,"end":831.285,"confidence":0.99560547,"punctuated_word":"20%","sentiment":"positive","sentiment_score":0.4520353376865387},{"word":"in","start":831.285,"end":831.445,"confidence":0.9873047,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3948471546173096},{"word":"the","start":831.445,"end":831.52496,"confidence":0.98828125,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3638630509376526},{"word":"safest","start":831.52496,"end":832.005,"confidence":0.5566406,"punctuated_word":"safest","sentiment":"neutral","sentiment_score":0.287842720746994},{"word":"side","start":832.005,"end":832.245,"confidence":0.94921875,"punctuated_word":"side","sentiment":"positive","sentiment_score":0.35073575377464294},{"word":"of","start":832.245,"end":832.32495,"confidence":0.9941406,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.34442904591560364},{"word":"things","start":832.32495,"end":832.64496,"confidence":0.842041,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.32468289136886597},{"word":"if","start":832.64496,"end":832.805,"confidence":0.9135742,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4042527675628662},{"word":"that","start":832.805,"end":833.045,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.35293835401535034},{"word":"makes","start":833.045,"end":833.285,"confidence":0.94970703,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.31507956981658936},{"word":"sense","start":833.285,"end":833.785,"confidence":0.99658203,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.2127917855978012},{"word":"cool","start":836.245,"end":836.745,"confidence":0.6846924,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.03194695711135864},{"word":"now","start":837.045,"end":837.285,"confidence":0.9526367,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.09233012795448305},{"word":"what","start":837.285,"end":837.52496,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1087713986635208},{"word":"i","start":837.52496,"end":837.605,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12603972852230072},{"word":"can","start":837.605,"end":837.845,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09439704567193984},{"word":"kind","start":837.845,"end":838.08496,"confidence":0.9892578,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11545990407466888},{"word":"of","start":838.08496,"end":838.245,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15073087811470032},{"word":"see","start":838.245,"end":838.40497,"confidence":0.9892578,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11795896291732788},{"word":"here","start":838.40497,"end":838.90497,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.11267894506454468},{"word":"is","start":839.89,"end":839.97003,"confidence":0.95947266,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11219162493944168},{"word":"the","start":839.97003,"end":840.21,"confidence":0.95703125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1314460188150406},{"word":"very","start":840.21,"end":840.61,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.13354825973510742},{"word":"right","start":840.61,"end":840.85004,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.1439569592475891},{"word":"hand","start":840.85004,"end":841.25,"confidence":1.0,"punctuated_word":"hand","sentiment":"neutral","sentiment_score":0.12191271781921388},{"word":"column","start":841.25,"end":841.75,"confidence":0.9797363,"punctuated_word":"column,","sentiment":"neutral","sentiment_score":0.09632617980241776},{"word":"it","start":841.89,"end":842.13,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11207965016365053},{"word":"gives","start":842.13,"end":842.29004,"confidence":0.99902344,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.10519876331090929},{"word":"you","start":842.29004,"end":842.61,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10255038738250732},{"word":"percentage","start":842.61,"end":843.11,"confidence":0.9760742,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.15658053755760193},{"word":"returns","start":843.25,"end":843.75,"confidence":0.6694336,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.1691819131374359},{"word":"for","start":843.81,"end":844.05,"confidence":0.8730469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12172632664442062},{"word":"all","start":844.05,"end":844.21,"confidence":0.75439453,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.12226004898548126},{"word":"those","start":844.21,"end":844.45,"confidence":0.9013672,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1086837500333786},{"word":"options","start":844.45,"end":844.95,"confidence":0.99902344,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.08495542407035828},{"word":"now","start":848.29004,"end":848.61,"confidence":0.98828125,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.14195719361305237},{"word":"when","start":848.61,"end":848.77,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.14986145496368408},{"word":"i","start":848.77,"end":848.93,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14753182232379913},{"word":"look","start":848.93,"end":849.09,"confidence":0.9941406,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1545390784740448},{"word":"at","start":849.09,"end":849.25,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14767371118068695},{"word":"the","start":849.25,"end":849.41003,"confidence":0.9316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13624629378318787},{"word":"portfolio","start":849.41003,"end":849.91003,"confidence":0.9980469,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.1101851835846901},{"word":"what","start":849.97003,"end":850.13,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13073837757110596},{"word":"i","start":850.13,"end":850.29004,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11853811889886856},{"word":"basically","start":850.29004,"end":850.77,"confidence":0.6699219,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.1185467690229416},{"word":"gotta","start":850.77,"end":850.93,"confidence":0.55126953,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.1557394713163376},{"word":"do","start":850.93,"end":851.41003,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13012535870075226},{"word":"is","start":851.41003,"end":851.65,"confidence":0.9614258,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11201044172048567},{"word":"say","start":851.65,"end":851.81,"confidence":0.8208008,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.11249379813671112},{"word":"okay","start":851.81,"end":852.255,"confidence":0.86279297,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.14519676566123962},{"word":"if","start":852.415,"end":852.655,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.15111152827739716},{"word":"you're","start":852.655,"end":852.815,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.14006254076957703},{"word":"in","start":852.815,"end":853.315,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11579025536775588},{"word":"a","start":853.455,"end":853.615,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1511979103088379},{"word":"growth","start":853.615,"end":854.09503,"confidence":0.9716797,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1536693423986435},{"word":"portfolio","start":854.09503,"end":854.59503,"confidence":0.99853516,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.11488763988018036},{"word":"we","start":854.815,"end":855.055,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11806246638298036},{"word":"we","start":855.055,"end":855.295,"confidence":0.984375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13027304410934448},{"word":"kind","start":855.295,"end":855.53503,"confidence":0.97314453,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.10918769240379332},{"word":"of","start":855.53503,"end":855.615,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15780137479305267},{"word":"want","start":855.615,"end":855.775,"confidence":0.9951172,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.2013607770204544},{"word":"the","start":855.775,"end":856.015,"confidence":0.7553711,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28050386905670166},{"word":"super","start":856.015,"end":856.255,"confidence":0.7998047,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4531172513961792},{"word":"growing","start":856.255,"end":856.575,"confidence":0.98291016,"punctuated_word":"growing","sentiment":"positive","sentiment_score":0.38771796226501465},{"word":"at","start":856.575,"end":856.815,"confidence":0.87841797,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.26953625679016113},{"word":"about","start":856.815,"end":857.055,"confidence":0.98095703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.24301818013191223},{"word":"9%","start":857.055,"end":857.615,"confidence":0.9511719,"punctuated_word":"9%","sentiment":"positive","sentiment_score":0.35111960768699646},{"word":"of","start":857.615,"end":857.775,"confidence":0.47021484,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3174653649330139},{"word":"the","start":857.775,"end":857.935,"confidence":0.91503906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29501059651374817},{"word":"year","start":857.935,"end":858.175,"confidence":0.99609375,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.34765487909317017},{"word":"as","start":858.175,"end":858.495,"confidence":0.9941406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18560799956321716},{"word":"a","start":858.495,"end":858.655,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2290977239608765},{"word":"bit","start":858.655,"end":858.815,"confidence":0.9902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1833709329366684},{"word":"of","start":858.815,"end":858.975,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2014646679162979},{"word":"a","start":858.975,"end":859.135,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1642334759235382},{"word":"benchmark","start":859.135,"end":859.635,"confidence":0.99902344,"punctuated_word":"benchmark.","sentiment":"neutral","sentiment_score":0.1305627077817917},{"word":"does","start":859.695,"end":859.855,"confidence":0.9970703,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.13362643122673035},{"word":"that","start":859.855,"end":860.015,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13659055531024933},{"word":"make","start":860.015,"end":860.175,"confidence":0.9873047,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.12327980250120164},{"word":"sense","start":860.175,"end":860.675,"confidence":0.9995117,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.09131456911563872},{"word":"so","start":862.895,"end":863.395,"confidence":0.6557617,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.042020101100206375},{"word":"some","start":863.775,"end":864.015,"confidence":0.890625,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.025527335703372955},{"word":"years","start":864.015,"end":864.335,"confidence":0.9941406,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.006409935653209686},{"word":"it","start":864.335,"end":864.415,"confidence":0.55566406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02170601487159729},{"word":"goes","start":864.415,"end":864.655,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.03283414989709854},{"word":"up","start":864.655,"end":864.895,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07919995486736298},{"word":"15","start":864.895,"end":865.395,"confidence":0.7258301,"punctuated_word":"15.","sentiment":"neutral","sentiment_score":0.087588369846344},{"word":"some","start":865.53503,"end":865.695,"confidence":0.9453125,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":-0.032860562205314636},{"word":"years","start":865.695,"end":865.935,"confidence":0.9716797,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.08597155660390854},{"word":"it","start":865.935,"end":866.015,"confidence":0.8925781,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0966007262468338},{"word":"goes","start":866.015,"end":866.255,"confidence":0.9902344,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.09540687501430511},{"word":"down","start":866.255,"end":866.495,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.0849900096654892},{"word":"8%","start":866.495,"end":867.055,"confidence":0.9185791,"punctuated_word":"8%,","sentiment":"neutral","sentiment_score":-0.0918591246008873},{"word":"that","start":867.055,"end":867.295,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09549779444932938},{"word":"kind","start":867.295,"end":867.455,"confidence":0.96533203,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.09159302711486816},{"word":"of","start":867.455,"end":867.615,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13680154085159302},{"word":"thing","start":867.615,"end":868.02,"confidence":0.9951172,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.06451458483934402},{"word":"you've","start":868.82,"end":869.06,"confidence":0.7807617,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.06901465356349945},{"word":"still","start":869.06,"end":869.38,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07594381272792816},{"word":"cleared","start":869.38,"end":869.88,"confidence":0.9941406,"punctuated_word":"cleared","sentiment":"neutral","sentiment_score":0.10540156066417694},{"word":"9.2%","start":869.94,"end":871.14,"confidence":0.96813965,"punctuated_word":"9.2%","sentiment":"neutral","sentiment_score":0.10018837451934814},{"word":"after","start":871.14,"end":871.54004,"confidence":0.6826172,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.10015347599983215},{"word":"fees","start":871.54004,"end":872.04004,"confidence":0.48120117,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.030397474765777588},{"word":"since","start":872.26,"end":872.5,"confidence":0.9741211,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.028853878378868103},{"word":"you've","start":872.5,"end":872.74,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.034468136727809906},{"word":"been","start":872.74,"end":872.98004,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.024540767073631287},{"word":"on","start":872.98004,"end":873.14,"confidence":0.6582031,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05668681859970093},{"word":"board","start":873.14,"end":873.64,"confidence":0.9970703,"punctuated_word":"board.","sentiment":"neutral","sentiment_score":0.023111488670110703},{"word":"it's","start":874.10004,"end":874.42004,"confidence":0.9230957,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.24621348083019257},{"word":"had","start":874.42004,"end":874.58,"confidence":0.95947266,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.2203775644302368},{"word":"a","start":874.58,"end":874.66003,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2664027512073517},{"word":"bit","start":874.66003,"end":874.82,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2769937217235565},{"word":"of","start":874.82,"end":874.98004,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3209126591682434},{"word":"an","start":874.98004,"end":875.14,"confidence":0.99609375,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.3523382544517517},{"word":"up","start":875.14,"end":875.30005,"confidence":0.99902344,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.4072316884994507},{"word":"and","start":875.30005,"end":875.38,"confidence":1.0,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3926558196544647},{"word":"down","start":875.38,"end":875.7,"confidence":0.9145508,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.3290139436721802},{"word":"i","start":875.7,"end":875.78,"confidence":0.81396484,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17125478386878967},{"word":"don't","start":875.78,"end":875.94,"confidence":0.9379883,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.16797994077205658},{"word":"know","start":875.94,"end":876.10004,"confidence":0.99609375,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.12198808789253236},{"word":"if","start":876.10004,"end":876.26,"confidence":0.8310547,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.12964890897274017},{"word":"you","start":876.26,"end":876.5,"confidence":0.98535156,"punctuated_word":"you...","sentiment":"neutral","sentiment_score":-0.07006493210792542},{"word":"do","start":876.5,"end":876.66003,"confidence":0.98828125,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.0218734759837389},{"word":"you","start":876.66003,"end":876.74,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.013663256540894508},{"word":"log","start":876.74,"end":876.98004,"confidence":0.9770508,"punctuated_word":"log","sentiment":"neutral","sentiment_score":-0.01841064915060997},{"word":"in","start":876.98004,"end":877.14,"confidence":0.9326172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02582366392016411},{"word":"to","start":877.14,"end":877.38,"confidence":0.9550781,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01619255170226097},{"word":"to","start":877.38,"end":877.46,"confidence":0.6113281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01663612574338913},{"word":"look","start":877.46,"end":877.62,"confidence":0.95947266,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.017558060586452484},{"word":"at","start":877.62,"end":877.7,"confidence":0.92089844,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01919662579894066},{"word":"your","start":877.7,"end":877.94,"confidence":0.9448242,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.008500967174768448},{"word":"super","start":877.94,"end":878.26,"confidence":0.69384766,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.0461401604115963},{"word":"every","start":878.26,"end":878.42004,"confidence":0.57910156,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.013914907351136208},{"word":"now","start":878.42004,"end":878.58,"confidence":0.7519531,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.003731969743967056},{"word":"and","start":878.58,"end":878.66003,"confidence":0.8574219,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.002612525597214699},{"word":"then","start":878.66003,"end":879.16003,"confidence":0.9362793,"punctuated_word":"then?","sentiment":"neutral","sentiment_score":0.004864020273089409},{"word":"so","start":885.625,"end":886.025,"confidence":0.7314453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07425913214683533},{"word":"what's","start":886.025,"end":886.425,"confidence":0.97680664,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.0863916426897049},{"word":"basically","start":886.425,"end":886.825,"confidence":0.97998047,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.09795280545949936},{"word":"been","start":886.825,"end":887.065,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.08566812425851822},{"word":"happening","start":887.065,"end":887.565,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.09647763520479202},{"word":"is","start":887.625,"end":888.125,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06981924176216125},{"word":"january","start":888.505,"end":888.985,"confidence":0.96533203,"punctuated_word":"January","sentiment":"neutral","sentiment_score":-0.14750775694847107},{"word":"to","start":888.985,"end":889.065,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11689189076423644},{"word":"march","start":889.065,"end":889.385,"confidence":0.97802734,"punctuated_word":"March,","sentiment":"neutral","sentiment_score":-0.10569459199905396},{"word":"we","start":889.385,"end":889.545,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.10913369804620744},{"word":"had","start":889.545,"end":889.785,"confidence":0.9707031,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.1372770220041275},{"word":"the","start":889.785,"end":889.945,"confidence":0.88427734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20497965812683103},{"word":"war","start":889.945,"end":890.185,"confidence":0.8984375,"punctuated_word":"war","sentiment":"neutral","sentiment_score":-0.2906104326248169},{"word":"on","start":890.185,"end":890.425,"confidence":0.7836914,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.29564449191093445},{"word":"iran","start":890.425,"end":890.665,"confidence":0.9394531,"punctuated_word":"Iran","sentiment":"neutral","sentiment_score":-0.31506597995758057},{"word":"kickoff","start":890.665,"end":891.145,"confidence":0.51293945,"punctuated_word":"kickoff,","sentiment":"neutral","sentiment_score":-0.24627172946929932},{"word":"and","start":891.145,"end":891.305,"confidence":0.9199219,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17181481420993805},{"word":"it","start":891.305,"end":891.385,"confidence":0.4165039,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2026250809431076},{"word":"stopped","start":891.385,"end":891.625,"confidence":0.55908203,"punctuated_word":"stopped","sentiment":"neutral","sentiment_score":-0.27241939306259155},{"word":"us","start":891.625,"end":891.785,"confidence":0.45721436,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":-0.19313593208789823},{"word":"it","start":891.785,"end":891.945,"confidence":0.9941406,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.1964770555496216},{"word":"went","start":891.945,"end":892.265,"confidence":0.99902344,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.1822492778301239},{"word":"down","start":892.265,"end":892.765,"confidence":0.7792969,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.16650106012821198},{"word":"then","start":892.825,"end":893.065,"confidence":0.99121094,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.07267795503139496},{"word":"it","start":893.065,"end":893.225,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1674947440624237},{"word":"went","start":893.225,"end":893.465,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.15641960501670835},{"word":"back","start":893.465,"end":893.705,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.1368037462234497},{"word":"up","start":893.705,"end":893.865,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.06778310239315033},{"word":"again","start":893.865,"end":894.365,"confidence":0.9309082,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.10862992703914642},{"word":"and","start":894.825,"end":894.985,"confidence":0.8671875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06285256892442703},{"word":"then","start":894.985,"end":895.145,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.01179363951086998},{"word":"it's","start":895.145,"end":895.305,"confidence":0.96191406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.09552031755447388},{"word":"come","start":895.305,"end":895.545,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.1323108971118927},{"word":"down","start":895.545,"end":895.705,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.08570703864097595},{"word":"again","start":895.705,"end":896.105,"confidence":1.0,"punctuated_word":"again","sentiment":"neutral","sentiment_score":-0.2046092748641968},{"word":"last","start":896.105,"end":896.34503,"confidence":0.9970703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.1792406141757965},{"word":"month","start":896.34503,"end":896.76,"confidence":0.99902344,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.19960500299930573},{"word":"basically","start":897.16003,"end":897.48,"confidence":0.99902344,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":-0.04430433735251427},{"word":"your","start":897.48,"end":897.8,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08829288184642792},{"word":"super","start":897.8,"end":898.04004,"confidence":0.8388672,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1772800236940384},{"word":"went","start":898.04004,"end":898.28,"confidence":0.99316406,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.09461072832345964},{"word":"from","start":898.28,"end":898.60004,"confidence":0.9326172,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.11974157392978668},{"word":"213,000","start":898.60004,"end":900.14,"confidence":0.9908203,"punctuated_word":"213,000","sentiment":"neutral","sentiment_score":0.1290999948978424},{"word":"down","start":900.84,"end":901.08,"confidence":0.9375,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1723664253950119},{"word":"to","start":901.08,"end":901.24,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1329594999551773},{"word":"$20.02","start":901.24,"end":902.14,"confidence":0.9967448,"punctuated_word":"$20.02","sentiment":"neutral","sentiment_score":0.1084851622581482},{"word":"and","start":902.2,"end":902.44,"confidence":0.84472656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.031310923397541046},{"word":"then","start":902.44,"end":902.60004,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.029900461435317993},{"word":"back","start":902.60004,"end":902.84,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.021917635574936867},{"word":"up","start":902.84,"end":903.0,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.22301962971687317},{"word":"to","start":903.0,"end":903.24,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3113296926021576},{"word":"$2.27","start":903.24,"end":904.2,"confidence":0.9852905,"punctuated_word":"$2.27.","sentiment":"neutral","sentiment_score":0.2928141951560974},{"word":"so","start":904.2,"end":904.36,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3305075764656067},{"word":"it's","start":904.36,"end":904.52,"confidence":0.8823242,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4853834509849548},{"word":"kind","start":904.52,"end":904.76,"confidence":0.90625,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.24106237292289737},{"word":"of","start":904.76,"end":904.92,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4251958727836609},{"word":"bounced","start":904.92,"end":905.24,"confidence":0.9658203,"punctuated_word":"bounced","sentiment":"positive","sentiment_score":0.3849208652973175},{"word":"back","start":905.24,"end":905.4,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.4235048592090606},{"word":"up","start":905.4,"end":905.56,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.48221784830093384},{"word":"into","start":905.56,"end":905.8,"confidence":0.99316406,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.4153664410114288},{"word":"the","start":905.8,"end":905.96,"confidence":0.8984375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5711191296577454},{"word":"positive","start":905.96,"end":906.44,"confidence":0.9863281,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.6554614305496216},{"word":"this","start":906.44,"end":906.68,"confidence":0.9902344,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.5482272505760193},{"word":"year","start":906.68,"end":907.18,"confidence":0.99902344,"punctuated_word":"year.","sentiment":"positive","sentiment_score":0.4216673672199249},{"word":"now","start":909.375,"end":909.615,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.007864728569984436},{"word":"it's","start":909.615,"end":909.855,"confidence":0.9663086,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.058132149279117584},{"word":"only","start":909.855,"end":910.09503,"confidence":0.9770508,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.21404413878917697},{"word":"up","start":910.09503,"end":910.335,"confidence":0.94970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.044158220291137695},{"word":"a","start":910.335,"end":910.575,"confidence":0.9013672,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15444856882095337},{"word":"few","start":910.575,"end":910.815,"confidence":0.921875,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.1505240499973297},{"word":"percent","start":910.815,"end":911.215,"confidence":0.9970703,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":-0.02544301748275757},{"word":"because","start":911.215,"end":911.53503,"confidence":0.97998047,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.17425653338432312},{"word":"of","start":911.53503,"end":911.935,"confidence":0.984375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20383429527282715},{"word":"those","start":911.935,"end":912.335,"confidence":0.99121094,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.15737386047840118},{"word":"market","start":912.335,"end":912.735,"confidence":0.9941406,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.34424418210983276},{"word":"drops","start":912.735,"end":913.235,"confidence":0.99316406,"punctuated_word":"drops.","sentiment":"neutral","sentiment_score":-0.2522740662097931},{"word":"like","start":913.375,"end":913.615,"confidence":1.0,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":-0.00942939519882202},{"word":"i","start":913.615,"end":913.695,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0585457980632782},{"word":"said","start":913.695,"end":914.195,"confidence":0.9995117,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.08971907198429108},{"word":"still","start":914.255,"end":914.575,"confidence":0.7583008,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.23547117412090304},{"word":"going","start":914.575,"end":914.895,"confidence":0.984375,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.4074253439903259},{"word":"good","start":914.895,"end":915.135,"confidence":0.9980469,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4460080862045288},{"word":"since","start":915.135,"end":915.375,"confidence":0.9980469,"punctuated_word":"since","sentiment":"positive","sentiment_score":0.3600512742996216},{"word":"you've","start":915.375,"end":915.615,"confidence":0.9914551,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.3031279444694519},{"word":"become","start":915.615,"end":915.935,"confidence":1.0,"punctuated_word":"become","sentiment":"neutral","sentiment_score":0.29228675365448},{"word":"a","start":915.935,"end":916.015,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23145174980163577},{"word":"client","start":916.015,"end":916.495,"confidence":0.99609375,"punctuated_word":"client","sentiment":"neutral","sentiment_score":0.14695358276367188},{"word":"about","start":916.495,"end":916.995,"confidence":0.71520996,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":0.0210673026740551},{"word":"but","start":917.135,"end":917.295,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05127132683992386},{"word":"there's","start":917.295,"end":917.53503,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.028377048671245575},{"word":"a","start":917.53503,"end":917.695,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0036835819482803345},{"word":"couple","start":917.695,"end":918.09503,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.0015357807278633118},{"word":"of","start":918.09503,"end":918.255,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02099026739597321},{"word":"little","start":918.255,"end":918.495,"confidence":0.9941406,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.04671076685190201},{"word":"points","start":918.495,"end":918.815,"confidence":0.9980469,"punctuated_word":"points","sentiment":"neutral","sentiment_score":-0.008538216352462769},{"word":"that","start":918.815,"end":918.97504,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01237814873456955},{"word":"i","start":918.97504,"end":919.055,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01830574870109558},{"word":"would","start":919.055,"end":919.295,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.01075351983308792},{"word":"like","start":919.295,"end":919.53503,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.025802738964557648},{"word":"to","start":919.53503,"end":919.775,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02373424172401428},{"word":"address","start":919.775,"end":920.275,"confidence":0.9980469,"punctuated_word":"address.","sentiment":"neutral","sentiment_score":0.04409801959991455},{"word":"the","start":923.215,"end":923.375,"confidence":0.85839844,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04792221263051033},{"word":"very","start":923.375,"end":923.855,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.0818004459142685},{"word":"top","start":923.855,"end":924.09503,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.0861036628484726},{"word":"option","start":924.09503,"end":924.59503,"confidence":0.9980469,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.08104271441698074},{"word":"and","start":924.95996,"end":925.12,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06444400548934937},{"word":"the","start":925.12,"end":925.19995,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08429275453090668},{"word":"very","start":925.19995,"end":925.68,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.07666438817977905},{"word":"bottom","start":925.68,"end":926.07996,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.09907719492912292},{"word":"option","start":926.07996,"end":926.39996,"confidence":0.7919922,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":0.06579305976629257},{"word":"i","start":926.39996,"end":926.48,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0315079465508461},{"word":"don't","start":926.48,"end":926.72,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.010738372802734377},{"word":"know","start":926.72,"end":926.8,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.009674161672592165},{"word":"if","start":926.8,"end":926.87994,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02574799582362175},{"word":"you","start":926.87994,"end":927.04,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03014519065618515},{"word":"can","start":927.04,"end":927.19995,"confidence":0.92089844,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.016702808439731598},{"word":"make","start":927.19995,"end":927.43994,"confidence":0.9873047,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.03797362372279167},{"word":"out","start":927.43994,"end":927.51996,"confidence":0.9375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.05012662336230278},{"word":"those","start":927.51996,"end":927.75995,"confidence":0.99609375,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.07542884349822998},{"word":"percentages","start":927.75995,"end":928.24,"confidence":0.967041,"punctuated_word":"percentages,","sentiment":"neutral","sentiment_score":0.052540745586156845},{"word":"but","start":928.24,"end":928.39996,"confidence":0.9951172,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.002660457044839859},{"word":"they've","start":928.39996,"end":928.56,"confidence":0.8925781,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":0.04274793714284897},{"word":"got","start":928.56,"end":928.8,"confidence":0.99121094,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.03307121619582176},{"word":"brackets","start":928.8,"end":929.27997,"confidence":0.99902344,"punctuated_word":"brackets","sentiment":"neutral","sentiment_score":0.017746778205037117},{"word":"around","start":929.27997,"end":929.77997,"confidence":0.7780762,"punctuated_word":"around.","sentiment":"neutral","sentiment_score":0.01678233966231346},{"word":"yes","start":940.425,"end":940.745,"confidence":0.77563477,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09364736080169678},{"word":"yes","start":940.745,"end":941.145,"confidence":0.98999023,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13224434852600098},{"word":"that's","start":941.145,"end":941.385,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1561388075351715},{"word":"the","start":941.385,"end":941.545,"confidence":0.9604492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13625198602676392},{"word":"one","start":941.545,"end":942.025,"confidence":0.9926758,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.12698033452033997},{"word":"so","start":942.025,"end":942.525,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09804936498403548},{"word":"that","start":943.385,"end":943.625,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.059592198580503464},{"word":"option","start":943.625,"end":944.025,"confidence":0.99902344,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.027055755257606503},{"word":"at","start":944.025,"end":944.185,"confidence":0.9873047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.023697495460510257},{"word":"the","start":944.185,"end":944.425,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02116154134273529},{"word":"top","start":944.425,"end":944.925,"confidence":0.98535156,"punctuated_word":"top,","sentiment":"neutral","sentiment_score":0.03111576661467552},{"word":"that","start":945.705,"end":946.105,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0004113540053367615},{"word":"dropped","start":946.105,"end":946.505,"confidence":0.56103516,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":-0.07918468117713928},{"word":"17%","start":946.505,"end":947.465,"confidence":0.8980713,"punctuated_word":"17%,","sentiment":"neutral","sentiment_score":-0.004505808465182781},{"word":"and","start":947.465,"end":947.705,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01815660297870636},{"word":"the","start":947.705,"end":947.865,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02451242506504059},{"word":"property","start":947.865,"end":948.345,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.09207141399383544},{"word":"at","start":948.345,"end":948.425,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0038095861673355103},{"word":"the","start":948.425,"end":948.585,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05922842770814896},{"word":"bottom","start":948.585,"end":948.90497,"confidence":0.9970703,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.007049843668937683},{"word":"dropped","start":948.90497,"end":949.305,"confidence":0.64990234,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":-0.0028605684638023376},{"word":"15","start":949.305,"end":949.805,"confidence":0.9916992,"punctuated_word":"15.","sentiment":"neutral","sentiment_score":0.175939679145813},{"word":"everything","start":950.185,"end":950.585,"confidence":1.0,"punctuated_word":"Everything","sentiment":"neutral","sentiment_score":0.3319739103317261},{"word":"else","start":950.585,"end":950.825,"confidence":1.0,"punctuated_word":"else","sentiment":"positive","sentiment_score":0.4247410297393799},{"word":"in","start":950.825,"end":950.985,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.33664682507514954},{"word":"the","start":950.985,"end":951.145,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30077287554740906},{"word":"middle","start":951.145,"end":951.545,"confidence":1.0,"punctuated_word":"middle","sentiment":"positive","sentiment_score":0.41266918182373047},{"word":"looks","start":951.545,"end":951.785,"confidence":0.9980469,"punctuated_word":"looks","sentiment":"positive","sentiment_score":0.3932793140411377},{"word":"pretty","start":951.785,"end":952.105,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5213254690170288},{"word":"well","start":952.105,"end":952.345,"confidence":0.9941406,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.5190517902374268},{"word":"positive","start":952.345,"end":952.825,"confidence":0.9921875,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.5797629952430725},{"word":"or","start":952.825,"end":952.985,"confidence":0.91845703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2880377769470215},{"word":"double","start":952.985,"end":953.305,"confidence":0.99902344,"punctuated_word":"double","sentiment":"positive","sentiment_score":0.3458528220653534},{"word":"digit","start":953.305,"end":953.805,"confidence":0.9082031,"punctuated_word":"digit.","sentiment":"positive","sentiment_score":0.4252750277519226},{"word":"what","start":956.35004,"end":956.59,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.06800833344459534},{"word":"that","start":956.59,"end":956.75,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07335669547319412},{"word":"basically","start":956.75,"end":957.15,"confidence":0.9941406,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.05383925139904022},{"word":"means","start":957.15,"end":957.39,"confidence":0.99902344,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.07294443249702454},{"word":"is","start":957.39,"end":957.55005,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05551831051707268},{"word":"when","start":957.55005,"end":957.71,"confidence":0.9941406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0691724419593811},{"word":"the","start":957.71,"end":957.87,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11474089324474336},{"word":"government","start":957.87,"end":958.27,"confidence":1.0,"punctuated_word":"government","sentiment":"neutral","sentiment_score":-0.07790880650281906},{"word":"came","start":958.27,"end":958.51,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":-0.13350358605384827},{"word":"out","start":958.51,"end":958.75,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1250450313091278},{"word":"with","start":958.75,"end":958.91003,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.13768506050109863},{"word":"that","start":958.91003,"end":959.15,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13992631435394287},{"word":"capital","start":959.15,"end":959.55005,"confidence":0.97509766,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.29153209924697876},{"word":"gains","start":959.55005,"end":959.87,"confidence":0.8671875,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.14494583010673523},{"word":"tax","start":959.87,"end":960.19,"confidence":0.9550781,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.17834654450416565},{"word":"negative","start":960.19,"end":960.67004,"confidence":0.96435547,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.1580541431903839},{"word":"gearing","start":960.67004,"end":961.07,"confidence":0.9038086,"punctuated_word":"gearing","sentiment":"neutral","sentiment_score":-0.20471224188804624},{"word":"law","start":961.07,"end":961.57,"confidence":0.6875,"punctuated_word":"law,","sentiment":"neutral","sentiment_score":-0.21506145596504211},{"word":"the","start":961.87,"end":962.11005,"confidence":0.875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.30388355255126953},{"word":"property","start":962.11005,"end":962.51,"confidence":0.9970703,"punctuated_word":"property","sentiment":"negative","sentiment_score":-0.4638220965862274},{"word":"options","start":962.51,"end":962.99005,"confidence":0.79248047,"punctuated_word":"options","sentiment":"negative","sentiment_score":-0.416940301656723},{"word":"dropped","start":962.99005,"end":963.49005,"confidence":0.861084,"punctuated_word":"dropped,","sentiment":"neutral","sentiment_score":-0.20678701996803284},{"word":"and","start":963.71,"end":963.95,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1731075644493103},{"word":"the","start":963.95,"end":964.19,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2782648503780365},{"word":"australian","start":964.19,"end":964.59,"confidence":0.9970703,"punctuated_word":"Australian","sentiment":"negative","sentiment_score":-0.3637777268886566},{"word":"market's","start":964.59,"end":964.99005,"confidence":0.75683594,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":-0.30077534914016724},{"word":"also","start":964.99005,"end":965.39,"confidence":0.9902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.1719759702682495},{"word":"been","start":965.39,"end":965.55005,"confidence":0.9760742,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.23964641988277435},{"word":"dropping","start":965.55005,"end":966.03,"confidence":0.9970703,"punctuated_word":"dropping","sentiment":"neutral","sentiment_score":-0.27279412746429443},{"word":"for","start":966.03,"end":966.19,"confidence":0.32202148,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.25323718786239624},{"word":"the","start":966.19,"end":966.35004,"confidence":0.84716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2975582480430603},{"word":"rate","start":966.35004,"end":966.67004,"confidence":0.5629883,"punctuated_word":"rate","sentiment":"negative","sentiment_score":-0.3670819103717804},{"word":"rises","start":966.67004,"end":967.07,"confidence":0.9819336,"punctuated_word":"rises","sentiment":"neutral","sentiment_score":-0.3263780474662781},{"word":"and","start":967.07,"end":967.31,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2912137806415558},{"word":"and","start":967.31,"end":967.55005,"confidence":0.9448242,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2695552408695221},{"word":"fuel","start":967.55005,"end":967.87,"confidence":0.9951172,"punctuated_word":"fuel","sentiment":"negative","sentiment_score":-0.33764970302581787},{"word":"prices","start":967.87,"end":968.35004,"confidence":0.9770508,"punctuated_word":"prices","sentiment":"negative","sentiment_score":-0.33695074915885925},{"word":"as","start":968.35004,"end":968.51,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.20431004464626312},{"word":"well","start":968.51,"end":968.865,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.16035416722297668},{"word":"so","start":971.345,"end":971.665,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004639655351638794},{"word":"what","start":971.665,"end":971.825,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.030590690672397617},{"word":"i","start":971.825,"end":971.985,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.029944583773612976},{"word":"can","start":971.985,"end":972.225,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05640348047018051},{"word":"do","start":972.225,"end":972.705,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09793651103973389},{"word":"is","start":972.705,"end":973.185,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11133964359760284},{"word":"while","start":973.185,"end":973.505,"confidence":0.8642578,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.11032602936029434},{"word":"you're","start":973.505,"end":973.665,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.10501115024089812},{"word":"going","start":973.665,"end":974.065,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.12126901745796204},{"word":"through","start":974.065,"end":974.545,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.11023053526878356},{"word":"the","start":974.545,"end":975.045,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1129603385925293},{"word":"the","start":975.985,"end":976.145,"confidence":0.9526367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08334355056285858},{"word":"the","start":976.145,"end":976.225,"confidence":0.5180664,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08863804489374161},{"word":"job","start":976.225,"end":976.46497,"confidence":0.99902344,"punctuated_word":"job","sentiment":"neutral","sentiment_score":0.0271148718893528},{"word":"application","start":976.46497,"end":976.96497,"confidence":0.99902344,"punctuated_word":"application,","sentiment":"neutral","sentiment_score":0.0748535767197609},{"word":"i","start":977.345,"end":977.505,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1102658063173294},{"word":"can","start":977.505,"end":977.665,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10033710300922394},{"word":"do","start":977.665,"end":977.825,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07907848060131073},{"word":"a","start":977.825,"end":977.90497,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11324236541986464},{"word":"bit","start":977.90497,"end":978.145,"confidence":0.98535156,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09939824789762496},{"word":"of","start":978.145,"end":978.225,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14689677953720093},{"word":"a","start":978.225,"end":978.305,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11995341628789902},{"word":"research","start":978.305,"end":978.705,"confidence":0.98828125,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.04964102804660797},{"word":"on","start":978.705,"end":978.945,"confidence":0.9892578,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05716938152909279},{"word":"a","start":978.945,"end":979.02496,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05616515129804611},{"word":"couple","start":979.02496,"end":979.265,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.04487720504403114},{"word":"of","start":979.265,"end":979.425,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04119013249874115},{"word":"options","start":979.425,"end":979.825,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.031526654958724976},{"word":"to","start":979.825,"end":979.985,"confidence":0.83251953,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06761189550161362},{"word":"maybe","start":979.985,"end":980.305,"confidence":0.99902344,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.05525892972946167},{"word":"switch","start":980.305,"end":980.545,"confidence":0.9980469,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.021078258752822876},{"word":"out","start":980.545,"end":980.785,"confidence":0.8730469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.010117731988430023},{"word":"to","start":980.785,"end":980.945,"confidence":0.74658203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.035015642642974854},{"word":"those","start":980.945,"end":981.36,"confidence":0.8425293,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":0.01962919533252716},{"word":"we","start":981.92,"end":982.16,"confidence":0.99609375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.02114855870604515},{"word":"don't","start":982.16,"end":982.48,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.01167571358382702},{"word":"maybe","start":982.48,"end":982.72,"confidence":0.9716797,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.057861506938934326},{"word":"have","start":982.72,"end":982.95996,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0476456806063652},{"word":"to","start":982.95996,"end":983.2,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10562452673912048},{"word":"overhaul","start":983.2,"end":983.68,"confidence":0.99902344,"punctuated_word":"overhaul","sentiment":"neutral","sentiment_score":-0.13634276390075684},{"word":"everything","start":983.68,"end":984.07996,"confidence":0.9926758,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":-0.05468999594449997},{"word":"it","start":984.07996,"end":984.24,"confidence":0.99316406,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.011957250535488129},{"word":"could","start":984.24,"end":984.39996,"confidence":0.9970703,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.03310350328683853},{"word":"just","start":984.39996,"end":984.56,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.011750183999538422},{"word":"be","start":984.56,"end":984.72,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.032840751111507416},{"word":"a","start":984.72,"end":984.8,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.013663498684763908},{"word":"bit","start":984.8,"end":984.95996,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.004290081560611725},{"word":"of","start":984.95996,"end":985.04,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011536963284015656},{"word":"an","start":985.04,"end":985.2,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.002369336783885956},{"word":"engine","start":985.2,"end":985.51996,"confidence":0.9951172,"punctuated_word":"engine","sentiment":"neutral","sentiment_score":-0.005670629441738129},{"word":"tune","start":985.51996,"end":985.76,"confidence":0.9614258,"punctuated_word":"tune","sentiment":"neutral","sentiment_score":0.0019019544124603271},{"word":"up","start":985.76,"end":985.92,"confidence":0.9873047,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.009109683334827425},{"word":"on","start":985.92,"end":986.07996,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.017519105225801468},{"word":"just","start":986.07996,"end":986.32,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.011674143373966215},{"word":"a","start":986.32,"end":986.39996,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00317465141415596},{"word":"couple","start":986.39996,"end":986.64,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.012176230549812315},{"word":"of","start":986.64,"end":986.8,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.020174995064735413},{"word":"options","start":986.8,"end":987.3,"confidence":0.9946289,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.0110362209379673},{"word":"cool","start":992.72,"end":993.22,"confidence":0.8029785,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4324074983596802},{"word":"would","start":993.27997,"end":993.44,"confidence":0.97998047,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.2838036119937897},{"word":"you","start":993.44,"end":993.6,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29625022411346436},{"word":"be","start":993.6,"end":993.76,"confidence":0.8618164,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2475983053445816},{"word":"comfortable","start":993.76,"end":994.26,"confidence":0.9370117,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.23941129446029663},{"word":"for","start":994.32,"end":994.48,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.32869231700897217},{"word":"me","start":994.48,"end":994.64,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.3358379006385803},{"word":"to","start":994.64,"end":994.8,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.233717143535614},{"word":"kind","start":994.8,"end":994.95996,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2784934937953949},{"word":"of","start":994.95996,"end":995.04,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3163317143917084},{"word":"try","start":995.04,"end":995.27997,"confidence":0.9980469,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.24905142188072205},{"word":"and","start":995.27997,"end":995.44,"confidence":0.9941406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3438301682472229},{"word":"find","start":995.44,"end":995.68,"confidence":0.9980469,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.26875773072242737},{"word":"some","start":995.68,"end":995.92,"confidence":0.9941406,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.30249959230422974},{"word":"lower","start":995.92,"end":996.24,"confidence":0.9560547,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.23989742994308472},{"word":"fee","start":996.24,"end":996.39996,"confidence":0.9951172,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.2851369082927704},{"word":"investments","start":996.39996,"end":996.88,"confidence":0.8598633,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.14873874187469482},{"word":"as","start":996.88,"end":997.065,"confidence":0.8959961,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.27527883648872375},{"word":"as","start":997.065,"end":997.185,"confidence":0.9863281,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24317151308059692},{"word":"well","start":997.185,"end":997.305,"confidence":0.8395996,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.23787105083465576},{"word":"maybe","start":997.305,"end":997.545,"confidence":0.9970703,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.17931987345218658},{"word":"go","start":997.545,"end":997.785,"confidence":0.9941406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.19463762640953064},{"word":"for","start":997.785,"end":998.025,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15821141004562378},{"word":"a","start":998.025,"end":998.105,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18915072083473208},{"word":"slightly","start":998.105,"end":998.425,"confidence":0.99902344,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":0.13463754951953888},{"word":"different","start":998.425,"end":998.905,"confidence":0.9970703,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.07751563936471939},{"word":"style","start":998.905,"end":999.405,"confidence":0.982666,"punctuated_word":"style?","sentiment":"neutral","sentiment_score":0.14039376378059387},{"word":"yeah","start":1005.785,"end":1006.105,"confidence":0.7844238,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23008672893047333},{"word":"absolutely","start":1006.105,"end":1006.605,"confidence":1.0,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.30313587188720703},{"word":"so","start":1006.825,"end":1007.325,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1643833965063095},{"word":"what","start":1007.385,"end":1007.625,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1684996783733368},{"word":"i'll","start":1007.625,"end":1007.785,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15632228553295135},{"word":"do","start":1007.785,"end":1007.945,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16714462637901306},{"word":"is","start":1007.945,"end":1008.265,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13431265950202942},{"word":"we'll","start":1008.265,"end":1008.425,"confidence":0.953125,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1317313313484192},{"word":"give","start":1008.425,"end":1008.585,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.12474213540554048},{"word":"you","start":1008.585,"end":1008.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15534882247447968},{"word":"a","start":1008.745,"end":1008.825,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12905512750148773},{"word":"call","start":1008.825,"end":1008.985,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.12954819202423096},{"word":"in","start":1008.985,"end":1009.065,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11516477167606354},{"word":"a","start":1009.065,"end":1009.145,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15085971355438232},{"word":"couple","start":1009.145,"end":1009.465,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1034286767244339},{"word":"of","start":1009.465,"end":1009.545,"confidence":0.7211914,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14157235622406006},{"word":"weeks","start":1009.545,"end":1009.705,"confidence":0.9970703,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.13522844016551971},{"word":"for","start":1009.705,"end":1009.945,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12591730058193207},{"word":"the","start":1009.945,"end":1010.185,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11392374336719512},{"word":"the","start":1010.185,"end":1010.265,"confidence":0.2475586,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12230825424194336},{"word":"other","start":1010.265,"end":1010.505,"confidence":0.8183594,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.092806376516819},{"word":"job","start":1010.505,"end":1010.745,"confidence":0.9741211,"punctuated_word":"job","sentiment":"neutral","sentiment_score":0.039464570581912994},{"word":"plan","start":1010.745,"end":1010.985,"confidence":0.88549805,"punctuated_word":"plan.","sentiment":"neutral","sentiment_score":0.10890818387269974},{"word":"that'll","start":1010.985,"end":1011.305,"confidence":0.9645996,"punctuated_word":"That'll","sentiment":"neutral","sentiment_score":0.10238416492938995},{"word":"give","start":1011.305,"end":1011.465,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.06310109794139862},{"word":"me","start":1011.465,"end":1011.705,"confidence":0.9199219,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0989515632390976},{"word":"an","start":1011.705,"end":1011.785,"confidence":0.94189453,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08058865368366241},{"word":"indication","start":1011.785,"end":1012.285,"confidence":0.9667969,"punctuated_word":"indication","sentiment":"neutral","sentiment_score":0.06134825944900513},{"word":"for","start":1012.38,"end":1012.54,"confidence":0.3605957,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07193858176469803},{"word":"the","start":1012.54,"end":1012.62,"confidence":0.94921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07744072377681732},{"word":"income","start":1012.62,"end":1013.12,"confidence":0.97998047,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.05655423551797867},{"word":"protection","start":1013.66003,"end":1013.82,"confidence":0.99365234,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":0.05815838649868965},{"word":"in","start":1013.82,"end":1014.06,"confidence":0.99902344,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.05412009730935097},{"word":"the","start":1014.06,"end":1014.14,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.056100182235240936},{"word":"interim","start":1014.14,"end":1014.62,"confidence":0.9995117,"punctuated_word":"interim,","sentiment":"neutral","sentiment_score":0.060035448521375656},{"word":"i'll","start":1014.62,"end":1014.86,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08091519773006439},{"word":"get","start":1014.86,"end":1015.02,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08233095705509186},{"word":"the","start":1015.02,"end":1015.18,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07295029610395432},{"word":"team","start":1015.18,"end":1015.5,"confidence":0.96435547,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.06274013221263885},{"word":"to","start":1015.5,"end":1015.66003,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12242337316274644},{"word":"to","start":1015.66003,"end":1015.82,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11575789749622344},{"word":"look","start":1015.82,"end":1016.06,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0930766463279724},{"word":"at","start":1016.06,"end":1016.14,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07852627336978912},{"word":"a","start":1016.14,"end":1016.22003,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12177419662475586},{"word":"couple","start":1016.22003,"end":1016.54,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.08823709189891815},{"word":"of","start":1016.54,"end":1016.7,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0930616855621338},{"word":"options","start":1016.7,"end":1017.1,"confidence":0.9980469,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.049742236733436584},{"word":"to","start":1017.1,"end":1017.26,"confidence":0.921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10351930558681488},{"word":"mix","start":1017.26,"end":1017.5,"confidence":0.9165039,"punctuated_word":"mix","sentiment":"neutral","sentiment_score":0.0980577990412712},{"word":"in","start":1017.5,"end":1018.0,"confidence":0.9675293,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.10349048674106598},{"word":"we've","start":1018.3,"end":1018.62,"confidence":0.92333984,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.1339983195066452},{"word":"got","start":1018.62,"end":1018.86,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.12533406913280487},{"word":"a","start":1018.86,"end":1018.94,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11957737803459167},{"word":"couple","start":1018.94,"end":1019.26,"confidence":0.9941406,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1265062540769577},{"word":"we","start":1019.26,"end":1019.42,"confidence":0.984375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12619945406913757},{"word":"have","start":1019.42,"end":1019.66003,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13177800178527832},{"word":"been","start":1019.66003,"end":1019.82,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.137000173330307},{"word":"researching","start":1019.82,"end":1020.32,"confidence":0.99609375,"punctuated_word":"researching","sentiment":"neutral","sentiment_score":0.11664503067731856},{"word":"as","start":1020.7,"end":1020.86,"confidence":0.9760742,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11218895763158798},{"word":"well","start":1020.86,"end":1021.36,"confidence":0.9880371,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.13834483921527865},{"word":"that","start":1021.82,"end":1022.06,"confidence":0.984375,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.1548711657524109},{"word":"should","start":1022.06,"end":1022.3,"confidence":0.99316406,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.1811482012271881},{"word":"at","start":1022.3,"end":1022.46,"confidence":0.7680664,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12836647033691406},{"word":"least","start":1022.46,"end":1022.7,"confidence":0.8405762,"punctuated_word":"least,","sentiment":"neutral","sentiment_score":0.11503039300441742},{"word":"while","start":1022.7,"end":1022.94,"confidence":0.99902344,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.07938310503959656},{"word":"the","start":1022.94,"end":1023.1,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02564115822315216},{"word":"world's","start":1023.1,"end":1023.42,"confidence":0.9724121,"punctuated_word":"world's","sentiment":"neutral","sentiment_score":-0.03057689033448696},{"word":"on","start":1023.42,"end":1023.58,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03995514661073685},{"word":"fire","start":1023.58,"end":1023.98,"confidence":0.9946289,"punctuated_word":"fire,","sentiment":"neutral","sentiment_score":-0.007145211100578308},{"word":"at","start":1023.98,"end":1024.06,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.047723643481731415},{"word":"least","start":1024.06,"end":1024.3,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.06164386868476868},{"word":"maybe","start":1024.3,"end":1024.62,"confidence":0.97314453,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.08030304312705994},{"word":"drop","start":1024.62,"end":1024.9401,"confidence":0.9741211,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.046938538551330566},{"word":"the","start":1024.9401,"end":1025.02,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04506167024374008},{"word":"fees","start":1025.02,"end":1025.26,"confidence":0.9902344,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.07081691920757294},{"word":"a","start":1025.26,"end":1025.42,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08145706355571747},{"word":"little","start":1025.42,"end":1025.66,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.09095383435487749},{"word":"bit","start":1025.66,"end":1025.925,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09866106510162354},{"word":"and","start":1026.005,"end":1026.165,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07542237639427185},{"word":"hopefully","start":1026.165,"end":1026.405,"confidence":0.7792969,"punctuated_word":"hopefully","sentiment":"neutral","sentiment_score":0.11978473514318466},{"word":"bump","start":1026.405,"end":1026.805,"confidence":0.64160156,"punctuated_word":"bump","sentiment":"neutral","sentiment_score":0.16160652041435242},{"word":"up","start":1026.805,"end":1026.885,"confidence":0.9951172,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14259684085845947},{"word":"the","start":1026.885,"end":1027.125,"confidence":0.95703125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13999521732330322},{"word":"returns","start":1027.125,"end":1027.525,"confidence":0.96435547,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.17026448249816897},{"word":"a","start":1027.525,"end":1027.6051,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07340660691261292},{"word":"little","start":1027.6051,"end":1027.765,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.06929916143417358},{"word":"bit","start":1027.765,"end":1027.925,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06723231822252274},{"word":"until","start":1027.925,"end":1028.245,"confidence":0.9116211,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.03579838573932648},{"word":"things","start":1028.245,"end":1028.5651,"confidence":0.97998047,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.0323432981967926},{"word":"calm","start":1028.5651,"end":1028.805,"confidence":0.8027344,"punctuated_word":"calm","sentiment":"neutral","sentiment_score":0.017028719186782837},{"word":"down","start":1028.805,"end":1029.305,"confidence":0.9916992,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.06387723237276077},{"word":"cool","start":1032.005,"end":1032.505,"confidence":0.91064453,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.24087215960025787},{"word":"does","start":1033.125,"end":1033.4451,"confidence":0.95703125,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.1652992069721222},{"word":"all","start":1033.4451,"end":1033.6051,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.22846484184265137},{"word":"that","start":1033.6051,"end":1033.8451,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2463156580924988},{"word":"make","start":1033.8451,"end":1034.005,"confidence":0.9243164,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.17156913876533508},{"word":"sense","start":1034.005,"end":1034.3251,"confidence":1.0,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.16285863518714905},{"word":"so","start":1034.3251,"end":1034.4851,"confidence":0.9921875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.17865031957626343},{"word":"far","start":1034.4851,"end":1034.645,"confidence":0.9921875,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.11583730578422546},{"word":"any","start":1034.645,"end":1034.885,"confidence":1.0,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.045451510697603226},{"word":"questions","start":1034.885,"end":1035.285,"confidence":0.9980469,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.03911390528082848},{"word":"at","start":1035.285,"end":1035.4451,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02813161537051201},{"word":"the","start":1035.4451,"end":1035.525,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04126971960067749},{"word":"moment","start":1035.525,"end":1036.025,"confidence":0.9995117,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.0701265037059784},{"word":"cool","start":1039.6051,"end":1040.04,"confidence":0.9362793,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.23637579381465912},{"word":"the","start":1040.68,"end":1041.0,"confidence":0.98535156,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.05420742183923721},{"word":"last","start":1041.0,"end":1041.24,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.025222383439540863},{"word":"thing","start":1041.24,"end":1041.56,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.04706677794456482},{"word":"i'll","start":1041.56,"end":1041.8,"confidence":0.98876953,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.019386697560548782},{"word":"ask","start":1041.8,"end":1042.04,"confidence":0.9980469,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":-0.019155003130435944},{"word":"you","start":1042.04,"end":1042.54,"confidence":0.82666016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.026402704417705536},{"word":"is","start":1042.6001,"end":1043.1001,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.056887537240982056},{"word":"when","start":1043.56,"end":1043.8,"confidence":0.90771484,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.01088646799325943},{"word":"it","start":1043.8,"end":1044.04,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.013315603137016296},{"word":"comes","start":1044.04,"end":1044.28,"confidence":0.9970703,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.011668533086776732},{"word":"to","start":1044.28,"end":1044.36,"confidence":0.9604492,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.013155587017536163},{"word":"that","start":1044.36,"end":1044.68,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01981173455715179},{"word":"risk","start":1044.68,"end":1045.0,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.08215627074241638},{"word":"profile","start":1045.0,"end":1045.4,"confidence":0.9980469,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":-0.10091548413038254},{"word":"i","start":1045.4,"end":1045.56,"confidence":0.91259766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.046129919588565826},{"word":"mentioned","start":1045.56,"end":1046.04,"confidence":0.9902344,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":-0.04144063591957092},{"word":"being","start":1046.04,"end":1046.28,"confidence":0.95947266,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.05910149961709976},{"word":"broke","start":1046.28,"end":1046.78,"confidence":0.94555664,"punctuated_word":"broke,","sentiment":"neutral","sentiment_score":-0.0745358020067215},{"word":"realistically","start":1047.48,"end":1047.98,"confidence":0.9802246,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.07473307847976685},{"word":"because","start":1048.36,"end":1048.68,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.038732871413230896},{"word":"you've","start":1048.68,"end":1048.8401,"confidence":0.99560547,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.030490431934595108},{"word":"got","start":1048.8401,"end":1049.16,"confidence":0.99121094,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.039442434906959534},{"word":"fifteen","start":1049.16,"end":1049.64,"confidence":0.7529297,"punctuated_word":"fifteen","sentiment":"neutral","sentiment_score":-0.03116656094789505},{"word":"years","start":1049.64,"end":1049.88,"confidence":0.98291016,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.015934616327285767},{"word":"into","start":1049.88,"end":1050.2001,"confidence":0.62158203,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.0008450672030448914},{"word":"retirement","start":1050.2001,"end":1050.7001,"confidence":0.98168945,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.01169007644057274},{"word":"you've","start":1051.24,"end":1051.56,"confidence":0.99853516,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.015536829829216003},{"word":"got","start":1051.56,"end":1051.7201,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.023856714367866516},{"word":"the","start":1051.7201,"end":1051.8,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0264778733253479},{"word":"option","start":1051.8,"end":1052.2001,"confidence":0.9970703,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.014885090291500092},{"word":"either","start":1052.2001,"end":1052.52,"confidence":0.54345703,"punctuated_word":"either","sentiment":"neutral","sentiment_score":-0.023742519319057465},{"word":"stay","start":1052.52,"end":1052.76,"confidence":0.73339844,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":-0.04707764834165573},{"word":"as","start":1052.76,"end":1053.0,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.005720376968383789},{"word":"you","start":1053.0,"end":1053.0801,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01525348424911499},{"word":"are","start":1053.0801,"end":1053.405,"confidence":0.82910156,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.013221196830272676},{"word":"and","start":1053.5651,"end":1053.885,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.056352175772190094},{"word":"get","start":1053.885,"end":1054.125,"confidence":0.9970703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.004033707082271576},{"word":"as","start":1054.125,"end":1054.285,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02626120299100876},{"word":"much","start":1054.285,"end":1054.525,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.06668096780776978},{"word":"growth","start":1054.525,"end":1054.765,"confidence":0.9604492,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.08858884871006012},{"word":"as","start":1054.765,"end":1054.925,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0579422190785408},{"word":"you","start":1054.925,"end":1055.0851,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07265667617321014},{"word":"can","start":1055.0851,"end":1055.3251,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06098148971796036},{"word":"for","start":1055.3251,"end":1055.5651,"confidence":0.9001465,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.034784507006406784},{"word":"let's","start":1055.5651,"end":1055.805,"confidence":0.99853516,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.011246922425925732},{"word":"say","start":1055.805,"end":1056.045,"confidence":0.9980469,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.03022974729537964},{"word":"the","start":1056.045,"end":1056.125,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023744970560073853},{"word":"next","start":1056.125,"end":1056.625,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.023359619081020355},{"word":"eight","start":1057.005,"end":1057.165,"confidence":0.8886719,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.0032199248671531677},{"word":"or","start":1057.165,"end":1057.405,"confidence":0.8359375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.015573367476463318},{"word":"nine","start":1057.405,"end":1057.645,"confidence":1.0,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":-0.007473312318325043},{"word":"years","start":1057.645,"end":1058.145,"confidence":0.99609375,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.01796576753258705},{"word":"when","start":1058.4451,"end":1058.685,"confidence":1.0,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.008631274104118347},{"word":"you're","start":1058.685,"end":1058.925,"confidence":0.9387207,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.002736131427809596},{"word":"close","start":1058.925,"end":1059.165,"confidence":0.9951172,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.0012334436178207395},{"word":"to","start":1059.165,"end":1059.405,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03086031973361969},{"word":"retirement","start":1059.405,"end":1059.805,"confidence":0.99902344,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.02755635604262352},{"word":"we","start":1059.805,"end":1060.045,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08895133435726166},{"word":"can","start":1060.045,"end":1060.2051,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07924024015665054},{"word":"reduce","start":1060.2051,"end":1060.525,"confidence":1.0,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.03984370827674866},{"word":"the","start":1060.525,"end":1060.685,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03023052215576172},{"word":"risk","start":1060.685,"end":1060.925,"confidence":0.9970703,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.11048302054405212},{"word":"down","start":1060.925,"end":1061.3251,"confidence":0.9770508,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.059979021549224854},{"word":"so","start":1061.3251,"end":1061.485,"confidence":0.81396484,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.06659798324108124},{"word":"you","start":1061.485,"end":1061.645,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10554089397192},{"word":"don't","start":1061.645,"end":1061.805,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.03024427220225334},{"word":"lose","start":1061.805,"end":1062.045,"confidence":1.0,"punctuated_word":"lose","sentiment":"neutral","sentiment_score":-0.090737983584404},{"word":"it","start":1062.045,"end":1062.2051,"confidence":0.8676758,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04727107286453247},{"word":"all","start":1062.2051,"end":1062.365,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.03155175596475601},{"word":"when","start":1062.365,"end":1062.605,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.03598552942276001},{"word":"you've","start":1062.605,"end":1062.765,"confidence":0.82836914,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.02045985870063305},{"word":"been","start":1062.765,"end":1062.925,"confidence":0.9741211,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.015239864587783812},{"word":"in","start":1062.925,"end":1063.165,"confidence":0.5371094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02054745703935623},{"word":"64","start":1063.165,"end":1064.0651,"confidence":0.89746094,"punctuated_word":"64.","sentiment":"neutral","sentiment_score":0.000208832323551178},{"word":"or","start":1064.925,"end":1065.245,"confidence":0.9165039,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.022820696234703064},{"word":"you","start":1065.245,"end":1065.485,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05808655172586441},{"word":"could","start":1065.485,"end":1065.725,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.03169366717338562},{"word":"kick","start":1065.725,"end":1065.9651,"confidence":0.6459961,"punctuated_word":"kick","sentiment":"neutral","sentiment_score":0.008188694715499878},{"word":"it","start":1065.9651,"end":1066.045,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0833042711019516},{"word":"up","start":1066.045,"end":1066.285,"confidence":0.9941406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.00822681188583374},{"word":"into","start":1066.285,"end":1066.525,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.04174598306417465},{"word":"high","start":1066.525,"end":1066.765,"confidence":0.98828125,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.006049901247024536},{"word":"growth","start":1066.765,"end":1067.005,"confidence":1.0,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.04147019982337952},{"word":"if","start":1067.005,"end":1067.165,"confidence":0.9716797,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.021604478359222412},{"word":"you","start":1067.165,"end":1067.3251,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05223266780376434},{"word":"really","start":1067.3251,"end":1067.645,"confidence":0.9980469,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.03103145956993103},{"word":"wanna","start":1067.645,"end":1067.97,"confidence":0.65771484,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0034642070531845093},{"word":"try","start":1067.97,"end":1068.13,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.03180427849292755},{"word":"and","start":1068.13,"end":1068.45,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.004813194274902344},{"word":"increase","start":1068.45,"end":1068.77,"confidence":0.984375,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.026175253093242645},{"word":"the","start":1068.77,"end":1069.01,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011022120714187622},{"word":"return","start":1069.01,"end":1069.51,"confidence":0.8930664,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":-0.012211352586746216},{"word":"but","start":1069.73,"end":1069.97,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.08588624000549316},{"word":"that","start":1069.97,"end":1070.21,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2626599371433258},{"word":"has","start":1070.21,"end":1070.37,"confidence":0.65234375,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.30094975233078003},{"word":"increased","start":1070.37,"end":1070.85,"confidence":0.9892578,"punctuated_word":"increased","sentiment":"neutral","sentiment_score":-0.2229555696249008},{"word":"the","start":1070.85,"end":1071.01,"confidence":0.890625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2547585070133209},{"word":"risk","start":1071.01,"end":1071.51,"confidence":0.91967773,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":-0.20241759717464447},{"word":"cool","start":1077.1699,"end":1077.49,"confidence":0.91186523,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.0805719792842865},{"word":"we'll","start":1077.49,"end":1077.73,"confidence":0.9904785,"punctuated_word":"We'll","sentiment":"positive","sentiment_score":0.4555060565471649},{"word":"keep","start":1077.73,"end":1077.97,"confidence":1.0,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.5320770144462585},{"word":"it","start":1077.97,"end":1078.13,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5877563953399658},{"word":"as","start":1078.13,"end":1078.2899,"confidence":0.98828125,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5542726516723633},{"word":"the","start":1078.2899,"end":1078.37,"confidence":0.90527344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5255723595619202},{"word":"growth","start":1078.37,"end":1078.69,"confidence":0.97998047,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5347039103507996},{"word":"profile","start":1078.69,"end":1079.19,"confidence":0.8310547,"punctuated_word":"profile,","sentiment":"positive","sentiment_score":0.5093257427215576},{"word":"give","start":1079.25,"end":1079.49,"confidence":0.98291016,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.5403557419776917},{"word":"it","start":1079.49,"end":1079.57,"confidence":0.97998047,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.524916410446167},{"word":"an","start":1079.57,"end":1079.73,"confidence":0.9970703,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.4409414827823639},{"word":"engine","start":1079.73,"end":1080.0499,"confidence":0.99609375,"punctuated_word":"engine","sentiment":"positive","sentiment_score":0.507229745388031},{"word":"sure","start":1080.0499,"end":1080.2899,"confidence":0.2824707,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.4518779516220093},{"word":"enough","start":1080.2899,"end":1080.53,"confidence":0.98876953,"punctuated_word":"enough,","sentiment":"positive","sentiment_score":0.4614591598510742},{"word":"and","start":1080.53,"end":1080.69,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4997498691082001},{"word":"we","start":1080.69,"end":1080.85,"confidence":0.9970703,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.643565833568573},{"word":"should","start":1080.85,"end":1081.01,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.6422268748283386},{"word":"be","start":1081.01,"end":1081.1699,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5655772089958191},{"word":"good","start":1081.1699,"end":1081.4099,"confidence":0.9951172,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.47954583168029785},{"word":"for","start":1081.4099,"end":1081.57,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.48956042528152466},{"word":"a","start":1081.57,"end":1081.65,"confidence":0.9892578,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5405250191688538},{"word":"while","start":1081.65,"end":1082.15,"confidence":1.0,"punctuated_word":"while.","sentiment":"positive","sentiment_score":0.4363410472869873},{"word":"awesome","start":1084.6649,"end":1085.1649,"confidence":0.9970703,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.7452206611633301},{"word":"now","start":1085.225,"end":1085.625,"confidence":1.0,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.3583967387676239},{"word":"just","start":1085.625,"end":1085.7849,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2282335460186005},{"word":"for","start":1085.7849,"end":1085.945,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18687495589256287},{"word":"the","start":1085.945,"end":1086.105,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2757960259914398},{"word":"rest","start":1086.105,"end":1086.265,"confidence":0.99902344,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.2503574788570404},{"word":"of","start":1086.265,"end":1086.345,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.217901274561882},{"word":"those","start":1086.345,"end":1086.585,"confidence":0.5136719,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1533115655183792},{"word":"documents","start":1086.585,"end":1086.985,"confidence":0.99902344,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.11718521267175674},{"word":"that","start":1086.985,"end":1087.065,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10008171200752258},{"word":"are","start":1087.065,"end":1087.225,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12564902007579803},{"word":"in","start":1087.225,"end":1087.3049,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1444205790758133},{"word":"there","start":1087.3049,"end":1087.5449,"confidence":0.9880371,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.16009210050106049},{"word":"if","start":1087.5449,"end":1087.705,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13463887572288513},{"word":"you","start":1087.705,"end":1087.865,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12399312853813171},{"word":"skip","start":1087.865,"end":1088.105,"confidence":0.89990234,"punctuated_word":"skip","sentiment":"neutral","sentiment_score":0.10635662823915482},{"word":"past","start":1088.105,"end":1088.345,"confidence":0.75683594,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.09258759021759032},{"word":"to","start":1088.345,"end":1088.505,"confidence":0.7426758,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12196849286556244},{"word":"the","start":1088.505,"end":1088.585,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10297062993049622},{"word":"next","start":1088.585,"end":1088.9049,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.0990397334098816},{"word":"document","start":1088.9049,"end":1089.3049,"confidence":0.99316406,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.07333653420209885},{"word":"you'll","start":1089.3049,"end":1089.5449,"confidence":0.98999023,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.10690735280513763},{"word":"see","start":1089.5449,"end":1089.865,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.16294477880001068},{"word":"a","start":1089.865,"end":1090.0249,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1376262605190277},{"word":"big","start":1090.0249,"end":1090.265,"confidence":0.9770508,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.14874523878097534},{"word":"red","start":1090.265,"end":1090.6649,"confidence":0.95410156,"punctuated_word":"red","sentiment":"neutral","sentiment_score":0.08723200857639313},{"word":"vanguard","start":1090.6649,"end":1091.1649,"confidence":0.6557617,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.05061823129653931},{"word":"chart","start":1091.3049,"end":1091.8049,"confidence":0.98950195,"punctuated_word":"chart.","sentiment":"neutral","sentiment_score":0.10413891822099686},{"word":"yeah","start":1097.5399,"end":1097.7,"confidence":0.77685547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.043865639716386795},{"word":"you","start":1097.7,"end":1097.86,"confidence":0.9970703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.03870479017496109},{"word":"may","start":1097.86,"end":1097.94,"confidence":0.9951172,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.028508950024843216},{"word":"have","start":1097.94,"end":1098.1,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02713342383503914},{"word":"seen","start":1098.1,"end":1098.34,"confidence":1.0,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.02608761563897133},{"word":"this","start":1098.34,"end":1098.4199,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.045799389481544495},{"word":"one","start":1098.4199,"end":1098.6599,"confidence":0.9902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.044400449842214584},{"word":"a","start":1098.6599,"end":1098.74,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01933676190674305},{"word":"few","start":1098.74,"end":1098.98,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.015536129474639893},{"word":"times","start":1098.98,"end":1099.14,"confidence":0.9875488,"punctuated_word":"times,","sentiment":"neutral","sentiment_score":0.029155533760786057},{"word":"but","start":1099.14,"end":1099.38,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04155056178569794},{"word":"it","start":1099.38,"end":1099.46,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.056231968104839325},{"word":"basically","start":1099.46,"end":1099.86,"confidence":0.9951172,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.044427480548620224},{"word":"just","start":1099.86,"end":1100.1,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04232423007488251},{"word":"shows","start":1100.1,"end":1100.4199,"confidence":0.9921875,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.027513906359672543},{"word":"that","start":1100.4199,"end":1100.74,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.040942031890153885},{"word":"if","start":1100.74,"end":1100.98,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04177564010024071},{"word":"you","start":1100.98,"end":1101.14,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04374592751264572},{"word":"factor","start":1101.14,"end":1101.46,"confidence":1.0,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.031508926302194595},{"word":"in","start":1101.46,"end":1101.7,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.028797004371881485},{"word":"all","start":1101.7,"end":1101.86,"confidence":0.93359375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.05152133107185364},{"word":"of","start":1101.86,"end":1102.02,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.017913494259119034},{"word":"the","start":1102.02,"end":1102.1799,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009151510894298552},{"word":"stock","start":1102.1799,"end":1102.4199,"confidence":0.9560547,"punctuated_word":"stock","sentiment":"neutral","sentiment_score":-0.024752717465162277},{"word":"market","start":1102.4199,"end":1102.82,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.05278138071298599},{"word":"crashes","start":1102.82,"end":1103.2999,"confidence":0.99902344,"punctuated_word":"crashes","sentiment":"neutral","sentiment_score":-0.025900758802890778},{"word":"and","start":1103.2999,"end":1103.5399,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01852072775363922},{"word":"financial","start":1103.5399,"end":1104.02,"confidence":0.97509766,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.017410453408956528},{"word":"crises","start":1104.02,"end":1104.5,"confidence":0.72802734,"punctuated_word":"crises","sentiment":"neutral","sentiment_score":0.10999378561973572},{"word":"that","start":1104.5,"end":1104.6599,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23422440886497495},{"word":"happen","start":1104.6599,"end":1105.1599,"confidence":0.9602051,"punctuated_word":"happen,","sentiment":"neutral","sentiment_score":0.2385641038417816},{"word":"you","start":1105.46,"end":1105.7,"confidence":0.7451172,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3387497365474701},{"word":"can","start":1105.7,"end":1105.86,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2816517949104309},{"word":"still","start":1105.86,"end":1106.1,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.25870281457901},{"word":"get","start":1106.1,"end":1106.34,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.381101667881012},{"word":"good","start":1106.34,"end":1106.5,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.3233940005302429},{"word":"returns","start":1106.5,"end":1106.98,"confidence":0.9970703,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.42320555448532104},{"word":"long","start":1106.98,"end":1107.22,"confidence":0.9951172,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.37984368205070496},{"word":"term","start":1107.22,"end":1107.62,"confidence":0.9970703,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.4528034329414368},{"word":"as","start":1107.62,"end":1107.86,"confidence":0.91845703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.28989166021347046},{"word":"long","start":1107.86,"end":1108.02,"confidence":0.984375,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2628384530544281},{"word":"as","start":1108.02,"end":1108.1,"confidence":0.9267578,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.26017439365386963},{"word":"you've","start":1108.1,"end":1108.26,"confidence":0.99560547,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.25559303164482117},{"word":"got","start":1108.26,"end":1108.5,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.20091770589351657},{"word":"enough","start":1108.5,"end":1108.74,"confidence":1.0,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.2067258358001709},{"word":"time","start":1108.74,"end":1108.98,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.214818611741066},{"word":"in","start":1108.98,"end":1109.14,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24643845856189728},{"word":"the","start":1109.14,"end":1109.2999,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28218206763267517},{"word":"market","start":1109.2999,"end":1109.775,"confidence":1.0,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.2115426808595657},{"word":"the","start":1112.415,"end":1112.5751,"confidence":0.9970703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0742454081773758},{"word":"next","start":1112.5751,"end":1112.895,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07934907078742981},{"word":"document","start":1112.895,"end":1113.375,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.06998465210199356},{"word":"there","start":1113.375,"end":1113.775,"confidence":0.9921875,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0824487954378128},{"word":"is","start":1113.775,"end":1113.935,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09824394434690475},{"word":"your","start":1113.935,"end":1114.255,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09345249831676485},{"word":"certificate","start":1114.255,"end":1114.755,"confidence":0.9951172,"punctuated_word":"certificate","sentiment":"neutral","sentiment_score":0.07761837542057037},{"word":"of","start":1114.895,"end":1114.975,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06951913237571716},{"word":"currency","start":1114.975,"end":1115.475,"confidence":0.9741211,"punctuated_word":"currency","sentiment":"neutral","sentiment_score":0.06755504757165909},{"word":"for","start":1115.6951,"end":1116.015,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07655170559883118},{"word":"the","start":1116.015,"end":1116.255,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08775611966848373},{"word":"income","start":1116.255,"end":1116.655,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.05868346989154816},{"word":"protection","start":1116.655,"end":1117.155,"confidence":0.9765625,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":0.07540063560009003},{"word":"so","start":1120.495,"end":1120.8151,"confidence":0.8154297,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15039761364459991},{"word":"that's","start":1120.8151,"end":1121.055,"confidence":0.9309082,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.14183354377746582},{"word":"just","start":1121.055,"end":1121.215,"confidence":0.9243164,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13201496005058289},{"word":"a","start":1121.215,"end":1121.375,"confidence":0.58496094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1488969624042511},{"word":"validity","start":1121.375,"end":1121.855,"confidence":0.9970703,"punctuated_word":"validity","sentiment":"neutral","sentiment_score":0.13368621468544006},{"word":"certificate","start":1121.855,"end":1122.3351,"confidence":0.9736328,"punctuated_word":"certificate.","sentiment":"neutral","sentiment_score":0.1285790503025055},{"word":"if","start":1122.3351,"end":1122.495,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1550135612487793},{"word":"anything","start":1122.495,"end":1122.895,"confidence":0.9970703,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.17409329116344452},{"word":"happens","start":1122.895,"end":1123.295,"confidence":0.9975586,"punctuated_word":"happens,","sentiment":"neutral","sentiment_score":0.1559942364692688},{"word":"we","start":1123.295,"end":1123.375,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17948952317237854},{"word":"can","start":1123.375,"end":1123.535,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22502657771110535},{"word":"help","start":1123.535,"end":1123.775,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.2455096989870071},{"word":"you","start":1123.775,"end":1123.855,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23387034237384796},{"word":"with","start":1123.855,"end":1124.015,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.28144925832748413},{"word":"the","start":1124.015,"end":1124.175,"confidence":0.93115234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24930578470230105},{"word":"claim","start":1124.175,"end":1124.67,"confidence":0.9658203,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.2124437689781189},{"word":"and","start":1125.15,"end":1125.39,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26284295320510864},{"word":"claims","start":1125.39,"end":1125.87,"confidence":0.49902344,"punctuated_word":"claims","sentiment":"neutral","sentiment_score":0.1504656970500946},{"word":"advice","start":1125.87,"end":1126.27,"confidence":0.8198242,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.21304795145988464},{"word":"as","start":1126.27,"end":1126.43,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21098315715789795},{"word":"well","start":1126.43,"end":1126.93,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1644574999809265},{"word":"if","start":1127.0701,"end":1127.2301,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.10947775840759276},{"word":"you","start":1127.2301,"end":1127.39,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09345079958438872},{"word":"click","start":1127.39,"end":1127.7101,"confidence":1.0,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.07196646928787231},{"word":"on","start":1127.7101,"end":1127.9501,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08948954939842224},{"word":"the","start":1127.9501,"end":1128.11,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08482866734266281},{"word":"next","start":1128.11,"end":1128.43,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07605388015508652},{"word":"one","start":1128.43,"end":1128.8301,"confidence":0.9941406,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.051671840250492096},{"word":"that","start":1128.8301,"end":1129.0701,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.060065701603889465},{"word":"is","start":1129.0701,"end":1129.31,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05216148495674133},{"word":"your","start":1129.31,"end":1129.7101,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04717510938644409},{"word":"life","start":1129.7101,"end":1130.03,"confidence":0.8720703,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.06948813050985336},{"word":"and","start":1130.03,"end":1130.1901,"confidence":0.8803711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07472866773605347},{"word":"disability","start":1130.1901,"end":1130.6901,"confidence":0.7093506,"punctuated_word":"disability.","sentiment":"neutral","sentiment_score":0.07543652504682541},{"word":"yeah","start":1146.685,"end":1146.925,"confidence":0.87597656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011231793090701103},{"word":"yep","start":1146.925,"end":1147.2451,"confidence":0.9941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.014777789823710918},{"word":"that's","start":1147.2451,"end":1147.4851,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.010069898329675198},{"word":"the","start":1147.4851,"end":1147.645,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008354993537068367},{"word":"next","start":1147.645,"end":1147.9651,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.015115628950297832},{"word":"one","start":1147.9651,"end":1148.4651,"confidence":1.0,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.015349973924458029},{"word":"now","start":1149.0851,"end":1149.4851,"confidence":0.9970703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.012075532227754591},{"word":"this","start":1149.4851,"end":1149.645,"confidence":0.9838867,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.012257659807801248},{"word":"one's","start":1149.645,"end":1150.045,"confidence":0.9946289,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":0.01506929099559784},{"word":"got","start":1150.045,"end":1150.2051,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.015432044863700868},{"word":"a","start":1150.2051,"end":1150.3651,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01534399762749672},{"word":"few","start":1150.3651,"end":1150.685,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.013249633833765984},{"word":"pages","start":1150.685,"end":1151.165,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.011793797835707664},{"word":"in","start":1151.165,"end":1151.3251,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01679714024066925},{"word":"it","start":1151.3251,"end":1151.7,"confidence":0.9501953,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.016748981550335884},{"word":"but","start":1151.86,"end":1152.1,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.00039680115878582},{"word":"i","start":1152.1,"end":1152.1799,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.001985853537917137},{"word":"just","start":1152.1799,"end":1152.58,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0016039106994867325},{"word":"want","start":1152.58,"end":1152.6599,"confidence":0.9951172,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.003661982715129852},{"word":"you","start":1152.6599,"end":1152.82,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007601939141750336},{"word":"to","start":1152.82,"end":1152.98,"confidence":0.9614258,"punctuated_word":"to...","sentiment":"neutral","sentiment_score":0.0016126125119626522},{"word":"if","start":1152.98,"end":1153.1399,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.0059959013015031815},{"word":"you","start":1153.1399,"end":1153.38,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0014476589858531952},{"word":"can","start":1153.38,"end":1153.88,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.005721565335988998},{"word":"scroll","start":1154.0199,"end":1154.5,"confidence":0.9003906,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":-0.010679006576538086},{"word":"down","start":1154.5,"end":1154.82,"confidence":0.8449707,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.006441488862037659},{"word":"i","start":1154.82,"end":1154.8999,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.011594615876674652},{"word":"don't","start":1154.8999,"end":1155.1399,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.01762298494577408},{"word":"know","start":1155.1399,"end":1155.22,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.02377592585980892},{"word":"if","start":1155.22,"end":1155.2999,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.007416700944304466},{"word":"you","start":1155.2999,"end":1155.46,"confidence":0.7890625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.000555180013179779},{"word":"can","start":1155.46,"end":1155.7,"confidence":0.9951172,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.005021475255489349},{"word":"skip","start":1155.7,"end":1155.94,"confidence":0.9086914,"punctuated_word":"skip","sentiment":"neutral","sentiment_score":0.00872044637799263},{"word":"pages","start":1155.94,"end":1156.44,"confidence":0.99609375,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.00008330494165420532},{"word":"or","start":1156.74,"end":1157.24,"confidence":0.9667969,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.002418503165245056},{"word":"scroll","start":1157.5399,"end":1157.86,"confidence":0.9013672,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.005774330347776413},{"word":"down","start":1157.86,"end":1158.1799,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.018905293196439743},{"word":"for","start":1158.1799,"end":1158.34,"confidence":0.9375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.011590104550123216},{"word":"us","start":1158.34,"end":1158.74,"confidence":0.9584961,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.0052453018724918365},{"word":"you'll","start":1158.74,"end":1159.0599,"confidence":0.9951172,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.034436047077178955},{"word":"see","start":1159.0599,"end":1159.38,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.04237411171197891},{"word":"basically","start":1159.38,"end":1159.88,"confidence":0.77001953,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.03495120257139206},{"word":"like","start":1160.26,"end":1160.5,"confidence":0.99316406,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04216773062944412},{"word":"our","start":1160.5,"end":1160.74,"confidence":0.97314453,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.04102780669927597},{"word":"our","start":1160.74,"end":1161.0599,"confidence":0.9472656,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.04800160229206085},{"word":"values","start":1161.0599,"end":1161.5399,"confidence":0.78515625,"punctuated_word":"values","sentiment":"neutral","sentiment_score":0.04565032571554184},{"word":"and","start":1161.5399,"end":1161.7799,"confidence":0.62402344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06835190951824188},{"word":"pictures","start":1161.7799,"end":1162.1799,"confidence":0.9970703,"punctuated_word":"pictures","sentiment":"neutral","sentiment_score":0.07362216711044312},{"word":"of","start":1162.1799,"end":1162.34,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05356750264763832},{"word":"the","start":1162.34,"end":1162.5,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.047867320477962494},{"word":"team","start":1162.5,"end":1162.82,"confidence":0.9902344,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.04749971628189087},{"word":"and","start":1162.82,"end":1163.0599,"confidence":0.95703125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.051223352551460266},{"word":"directors","start":1163.0599,"end":1163.5599,"confidence":0.87158203,"punctuated_word":"directors.","sentiment":"neutral","sentiment_score":0.03256700560450554},{"word":"but","start":1164.6749,"end":1165.1749,"confidence":0.984375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.008847996592521667},{"word":"when","start":1165.5549,"end":1165.7949,"confidence":0.9951172,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.010081227868795397},{"word":"you","start":1165.7949,"end":1165.955,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015494922176003456},{"word":"get","start":1165.955,"end":1166.275,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.007828844711184502},{"word":"to","start":1166.275,"end":1166.4349,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.002170659601688385},{"word":"about","start":1166.4349,"end":1166.755,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.003733508288860321},{"word":"the","start":1166.755,"end":1166.995,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007632182911038399},{"word":"thirteenth","start":1166.995,"end":1167.495,"confidence":0.99088544,"punctuated_word":"thirteenth","sentiment":"neutral","sentiment_score":0.013944057747721672},{"word":"page","start":1167.5549,"end":1168.0549,"confidence":0.99853516,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.011725620366632938},{"word":"there'll","start":1168.275,"end":1168.515,"confidence":0.99658203,"punctuated_word":"there'll","sentiment":"neutral","sentiment_score":0.005977301858365536},{"word":"be","start":1168.515,"end":1168.755,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.008229857310652733},{"word":"another","start":1168.755,"end":1169.255,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.0006548967212438583},{"word":"blue","start":1169.5549,"end":1169.955,"confidence":0.9970703,"punctuated_word":"blue","sentiment":"neutral","sentiment_score":0.001694321632385254},{"word":"document","start":1169.955,"end":1170.4349,"confidence":0.9790039,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.001827314496040344},{"word":"saying","start":1170.4349,"end":1170.835,"confidence":0.91748047,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.0020141825079917908},{"word":"financial","start":1170.835,"end":1171.335,"confidence":0.95947266,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.00001048855483531952},{"word":"services","start":1171.475,"end":1171.975,"confidence":0.9921875,"punctuated_word":"services","sentiment":"neutral","sentiment_score":-0.005932660773396492},{"word":"guide","start":1172.115,"end":1172.515,"confidence":0.89990234,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.002015339210629463},{"word":"about","start":1172.515,"end":1172.9149,"confidence":0.5551758,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.005776535719633102},{"word":"halfway","start":1172.9149,"end":1173.315,"confidence":0.9921875,"punctuated_word":"halfway","sentiment":"neutral","sentiment_score":0.013994118198752403},{"word":"down","start":1173.315,"end":1173.815,"confidence":0.9941406,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.00683318916708231},{"word":"yeah","start":1181.32,"end":1181.72,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01437884196639061},{"word":"about","start":1181.72,"end":1182.04,"confidence":0.6821289,"punctuated_word":"About","sentiment":"neutral","sentiment_score":0.00781351886689663},{"word":"13","start":1182.04,"end":1182.4401,"confidence":0.93359375,"punctuated_word":"13","sentiment":"neutral","sentiment_score":0.02203073352575302},{"word":"on","start":1182.4401,"end":1182.6,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.022031864151358604},{"word":"the","start":1182.6,"end":1182.84,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02388111874461174},{"word":"software","start":1182.84,"end":1183.34,"confidence":0.88012695,"punctuated_word":"software.","sentiment":"neutral","sentiment_score":0.02245311066508293},{"word":"it'll","start":1184.12,"end":1184.36,"confidence":0.63098145,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.027783190831542015},{"word":"be","start":1184.36,"end":1184.52,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03244529291987419},{"word":"kind","start":1184.52,"end":1184.76,"confidence":0.9760742,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03277384489774704},{"word":"of","start":1184.76,"end":1184.84,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.040095292031764984},{"word":"the","start":1184.84,"end":1185.0,"confidence":0.8925781,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04584764316678047},{"word":"fourteenth","start":1185.0,"end":1185.48,"confidence":0.97143555,"punctuated_word":"fourteenth","sentiment":"neutral","sentiment_score":0.04668902978301048},{"word":"on","start":1185.48,"end":1185.64,"confidence":0.92578125,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04188892245292664},{"word":"the","start":1185.64,"end":1185.8,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03556109219789505},{"word":"document","start":1185.8,"end":1186.3,"confidence":0.9567871,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.03361019864678383},{"word":"and","start":1190.705,"end":1190.785,"confidence":0.74658203,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04060909524559975},{"word":"you'll","start":1190.785,"end":1191.025,"confidence":0.9909668,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.04197537899017334},{"word":"see","start":1191.025,"end":1191.105,"confidence":0.967041,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.05327408015727997},{"word":"like","start":1191.105,"end":1191.425,"confidence":0.9926758,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.049241017550230026},{"word":"at","start":1191.425,"end":1191.585,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.045473527163267136},{"word":"the","start":1191.585,"end":1191.665,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04546213150024414},{"word":"end","start":1191.665,"end":1191.905,"confidence":0.7648926,"punctuated_word":"end,","sentiment":"neutral","sentiment_score":0.05134808272123337},{"word":"there's","start":1191.905,"end":1192.065,"confidence":0.97265625,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.05501842498779297},{"word":"a","start":1192.065,"end":1192.225,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05218948423862457},{"word":"big","start":1192.225,"end":1192.465,"confidence":0.96875,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.06498537957668304},{"word":"team","start":1192.465,"end":1192.865,"confidence":0.5942383,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.037337012588977814},{"word":"photo","start":1192.865,"end":1193.365,"confidence":0.9416504,"punctuated_word":"photo,","sentiment":"neutral","sentiment_score":0.061440058052539825},{"word":"and","start":1193.425,"end":1193.585,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.058820270001888275},{"word":"then","start":1193.585,"end":1193.745,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05103464797139168},{"word":"it'll","start":1193.745,"end":1193.905,"confidence":0.9067383,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.0475725457072258},{"word":"go","start":1193.905,"end":1194.065,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.05265052989125252},{"word":"back","start":1194.065,"end":1194.225,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.0415312722325325},{"word":"to","start":1194.225,"end":1194.385,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0310745220631361},{"word":"another","start":1194.385,"end":1194.705,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.023657696321606636},{"word":"blue","start":1194.705,"end":1194.945,"confidence":0.9741211,"punctuated_word":"blue","sentiment":"neutral","sentiment_score":0.034393586218357086},{"word":"document","start":1194.945,"end":1195.445,"confidence":0.99121094,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.04292403161525726},{"word":"that","start":1195.585,"end":1195.985,"confidence":0.32373047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.050184719264507294},{"word":"that","start":1195.985,"end":1196.145,"confidence":0.19482422,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05745020881295204},{"word":"you","start":1196.145,"end":1196.385,"confidence":0.7841797,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04727732390165329},{"word":"picture","start":1196.385,"end":1196.785,"confidence":0.8076172,"punctuated_word":"picture","sentiment":"neutral","sentiment_score":0.05782580375671387},{"word":"straight","start":1196.785,"end":1197.105,"confidence":0.9951172,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":0.04382415860891342},{"word":"after","start":1197.105,"end":1197.425,"confidence":0.9951172,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.04714725911617279},{"word":"it","start":1197.425,"end":1197.925,"confidence":0.82299805,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.04129280149936676},{"word":"cool","start":1199.905,"end":1200.305,"confidence":0.8977051,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.16323858499526978},{"word":"now","start":1200.305,"end":1200.545,"confidence":0.8984375,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0449531264603138},{"word":"if","start":1200.545,"end":1200.705,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02418532222509384},{"word":"you","start":1200.705,"end":1200.865,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017341837286949158},{"word":"could","start":1200.865,"end":1201.025,"confidence":0.7631836,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.02477823942899704},{"word":"just","start":1201.025,"end":1201.185,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03174015134572983},{"word":"go","start":1201.185,"end":1201.425,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.01752219721674919},{"word":"down","start":1201.425,"end":1201.925,"confidence":1.0,"punctuated_word":"down...","sentiment":"neutral","sentiment_score":0.018823793157935143},{"word":"yep","start":1202.625,"end":1203.125,"confidence":0.984375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.013484438881278038},{"word":"does","start":1203.185,"end":1203.345,"confidence":0.97265625,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":-0.01560178678482771},{"word":"it","start":1203.345,"end":1203.505,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.010263360105454922},{"word":"say","start":1203.505,"end":1203.745,"confidence":0.99121094,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.007156834006309509},{"word":"financial","start":1203.745,"end":1204.225,"confidence":0.99316406,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.0004622191190719605},{"word":"services","start":1204.225,"end":1204.705,"confidence":0.99902344,"punctuated_word":"services","sentiment":"neutral","sentiment_score":-0.004432423040270805},{"word":"guide","start":1204.705,"end":1204.945,"confidence":0.9604492,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":-0.00015239045023918152},{"word":"on","start":1204.945,"end":1205.105,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.002539804205298424},{"word":"it","start":1205.105,"end":1205.345,"confidence":0.57714844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0006649550050497055},{"word":"rather","start":1205.345,"end":1205.665,"confidence":0.95166016,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.006766874343156815},{"word":"than","start":1205.665,"end":1206.165,"confidence":0.9980469,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.007991228252649307},{"word":"overview","start":1206.9199,"end":1207.4199,"confidence":0.8598633,"punctuated_word":"overview","sentiment":"neutral","sentiment_score":-0.002112247049808502},{"word":"services","start":1210.84,"end":1211.34,"confidence":0.99560547,"punctuated_word":"services?","sentiment":"neutral","sentiment_score":-0.015308399684727192},{"word":"no","start":1216.0399,"end":1216.2,"confidence":0.94873047,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04708198830485344},{"word":"that's","start":1216.2,"end":1216.52,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.8499078750610352},{"word":"perfect","start":1216.52,"end":1217.02,"confidence":1.0,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.7763239145278931},{"word":"so","start":1217.4,"end":1217.72,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1912250220775604},{"word":"if","start":1217.72,"end":1217.88,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17512422800064087},{"word":"you","start":1217.88,"end":1217.96,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13922056555747986},{"word":"go","start":1217.96,"end":1218.36,"confidence":0.99316406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1642482578754425},{"word":"one","start":1218.36,"end":1218.6,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.141315758228302},{"word":"more","start":1218.6,"end":1218.76,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.09179122745990752},{"word":"page","start":1218.76,"end":1219.08,"confidence":0.99902344,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.08978281170129776},{"word":"you'll","start":1219.08,"end":1219.24,"confidence":0.99658203,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.0718073844909668},{"word":"see","start":1219.24,"end":1219.48,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1181720495223999},{"word":"a","start":1219.48,"end":1219.5599,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09631870687007904},{"word":"couple","start":1219.5599,"end":1219.7999,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.08436353504657745},{"word":"of","start":1219.7999,"end":1220.0399,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10014523565769196},{"word":"tables","start":1220.0399,"end":1220.44,"confidence":0.9770508,"punctuated_word":"tables","sentiment":"neutral","sentiment_score":0.13166731595993042},{"word":"there","start":1220.44,"end":1220.94,"confidence":0.8051758,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.07012932747602463},{"word":"and","start":1223.365,"end":1223.525,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05210468918085098},{"word":"you","start":1223.525,"end":1223.685,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.055001549422740936},{"word":"should","start":1223.685,"end":1223.925,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.07212013006210327},{"word":"see","start":1223.925,"end":1224.425,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.060498178005218506},{"word":"individually","start":1224.645,"end":1225.145,"confidence":0.5966797,"punctuated_word":"individually","sentiment":"neutral","sentiment_score":0.05258707329630852},{"word":"coupled","start":1225.445,"end":1225.945,"confidence":0.73095703,"punctuated_word":"coupled","sentiment":"neutral","sentiment_score":0.0467425137758255},{"word":"with","start":1226.085,"end":1226.485,"confidence":0.99316406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08534184098243713},{"word":"some","start":1226.485,"end":1226.725,"confidence":0.9003906,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11560875922441484},{"word":"little","start":1226.725,"end":1226.965,"confidence":0.98535156,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1692294180393219},{"word":"tables","start":1226.965,"end":1227.445,"confidence":0.94140625,"punctuated_word":"tables","sentiment":"neutral","sentiment_score":0.09267929196357728},{"word":"of","start":1227.445,"end":1227.605,"confidence":0.5476074,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.06408418715000153},{"word":"like","start":1227.605,"end":1227.845,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07158878445625305},{"word":"a","start":1227.845,"end":1228.005,"confidence":0.9223633,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08808242529630661},{"word":"fee","start":1228.005,"end":1228.325,"confidence":0.9760742,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.06780188530683517},{"word":"structure","start":1228.325,"end":1228.825,"confidence":0.9838867,"punctuated_word":"structure.","sentiment":"neutral","sentiment_score":0.05062076449394226},{"word":"it","start":1235.605,"end":1235.765,"confidence":0.5449219,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.05281176418066025},{"word":"was","start":1235.765,"end":1235.925,"confidence":0.9667969,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05229901149868965},{"word":"the","start":1235.925,"end":1236.005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05569395050406456},{"word":"one","start":1236.005,"end":1236.405,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04998015984892845},{"word":"after","start":1236.405,"end":1236.725,"confidence":0.99316406,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.04356606304645538},{"word":"fees","start":1236.725,"end":1236.965,"confidence":0.9140625,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.02656978741288185},{"word":"and","start":1236.965,"end":1237.125,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02433612197637558},{"word":"charges","start":1237.125,"end":1237.625,"confidence":0.9970703,"punctuated_word":"charges","sentiment":"neutral","sentiment_score":0.01832123100757599},{"word":"before","start":1238.21,"end":1238.71,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.0118170827627182},{"word":"the","start":1239.01,"end":1239.33,"confidence":0.9658203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.001961328089237213},{"word":"associate","start":1239.33,"end":1239.83,"confidence":0.82836914,"punctuated_word":"associate.","sentiment":"neutral","sentiment_score":0.019147301092743874},{"word":"oh","start":1244.61,"end":1245.01,"confidence":0.93774414,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.07973112165927887},{"word":"yes","start":1245.01,"end":1245.51,"confidence":0.7507324,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.06057332456111908},{"word":"cool","start":1246.6901,"end":1247.1901,"confidence":0.9758301,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.27395951747894287},{"word":"and","start":1257.335,"end":1257.495,"confidence":0.5097656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0029197894036769867},{"word":"the","start":1257.495,"end":1257.6549,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0015796609222888949},{"word":"last","start":1257.6549,"end":1257.8949,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.0024388954043388367},{"word":"page","start":1257.8949,"end":1258.215,"confidence":0.9980469,"punctuated_word":"page...","sentiment":"neutral","sentiment_score":0.0018941019661724567},{"word":"let","start":1258.215,"end":1258.455,"confidence":0.99316406,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.0012165140360593796},{"word":"me","start":1258.455,"end":1258.615,"confidence":0.9941406,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.002197062596678734},{"word":"just","start":1258.615,"end":1258.695,"confidence":0.40527344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.006596338003873825},{"word":"have","start":1258.695,"end":1258.7749,"confidence":0.68408203,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0010657235980033877},{"word":"a","start":1258.7749,"end":1258.855,"confidence":0.9707031,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0009499425068497658},{"word":"quick","start":1258.855,"end":1259.095,"confidence":0.7788086,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.005097486078739166},{"word":"look","start":1259.095,"end":1259.595,"confidence":0.9875488,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.006488248705863953},{"word":"alright","start":1265.095,"end":1265.575,"confidence":0.91308594,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.01858934573829174},{"word":"that","start":1265.575,"end":1265.815,"confidence":0.99316406,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.004479851573705673},{"word":"one","start":1265.815,"end":1266.0549,"confidence":0.81103516,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.0021134642884135246},{"word":"oh","start":1266.0549,"end":1266.2949,"confidence":0.7364502,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.06443776935338974},{"word":"sorry","start":1266.2949,"end":1266.7949,"confidence":0.9970703,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.11605705320835114},{"word":"my","start":1266.855,"end":1267.0149,"confidence":0.9970703,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.2523975968360901},{"word":"computer's","start":1267.0149,"end":1267.5149,"confidence":0.8066406,"punctuated_word":"computer's","sentiment":"neutral","sentiment_score":-0.2894922196865082},{"word":"lagging","start":1267.575,"end":1267.975,"confidence":0.95751953,"punctuated_word":"lagging","sentiment":"neutral","sentiment_score":-0.33028924465179443},{"word":"now","start":1267.975,"end":1268.475,"confidence":0.876709,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.26470401883125305},{"word":"the","start":1269.52,"end":1269.84,"confidence":0.95410156,"punctuated_word":"The...","sentiment":"neutral","sentiment_score":-0.08590196073055267},{"word":"it","start":1269.84,"end":1270.0,"confidence":0.82714844,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.04384084790945053},{"word":"says","start":1270.0,"end":1270.3201,"confidence":0.9892578,"punctuated_word":"says","sentiment":"neutral","sentiment_score":-0.029990866780281067},{"word":"financial","start":1270.3201,"end":1270.72,"confidence":0.97265625,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.03639853745698929},{"word":"advice","start":1270.72,"end":1271.04,"confidence":0.9716797,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.032828301191329956},{"word":"for","start":1271.04,"end":1271.28,"confidence":0.9560547,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.029945118352770805},{"word":"everyday","start":1271.28,"end":1271.76,"confidence":0.94970703,"punctuated_word":"everyday","sentiment":"neutral","sentiment_score":-0.018155714496970177},{"word":"australians","start":1271.76,"end":1272.24,"confidence":0.7944336,"punctuated_word":"Australians","sentiment":"neutral","sentiment_score":-0.021785913035273552},{"word":"on","start":1272.24,"end":1272.4,"confidence":0.9614258,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01876428723335266},{"word":"the","start":1272.4,"end":1272.48,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01175028830766678},{"word":"last","start":1272.48,"end":1272.8,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.014900408685207369},{"word":"page","start":1272.8,"end":1273.3,"confidence":0.91186523,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":-0.018711041659116745},{"word":"but","start":1273.52,"end":1273.84,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.01829700544476509},{"word":"that","start":1273.84,"end":1274.08,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.032099902629852295},{"word":"one","start":1274.08,"end":1274.58,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03591598942875862},{"word":"says","start":1274.72,"end":1275.04,"confidence":0.88427734,"punctuated_word":"says","sentiment":"neutral","sentiment_score":-0.014272699132561684},{"word":"financial","start":1275.04,"end":1275.4401,"confidence":0.9951172,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.02273421734571457},{"word":"services","start":1275.4401,"end":1275.9401,"confidence":0.9980469,"punctuated_word":"services","sentiment":"neutral","sentiment_score":-0.037147700786590576},{"word":"guide","start":1276.08,"end":1276.58,"confidence":0.9880371,"punctuated_word":"guide.","sentiment":"neutral","sentiment_score":-0.02992463856935501},{"word":"it'd","start":1288.425,"end":1288.745,"confidence":0.49853516,"punctuated_word":"It'd","sentiment":"neutral","sentiment_score":-0.09546121209859848},{"word":"be","start":1288.745,"end":1289.245,"confidence":0.99316406,"punctuated_word":"be...","sentiment":"neutral","sentiment_score":-0.08025883138179779},{"word":"oh","start":1290.105,"end":1290.345,"confidence":0.98291016,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.0876951664686203},{"word":"yes","start":1290.345,"end":1290.665,"confidence":0.9663086,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":-0.08850746601819992},{"word":"so","start":1290.665,"end":1290.905,"confidence":0.8540039,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10109998285770416},{"word":"go","start":1290.905,"end":1291.0651,"confidence":0.6928711,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.09571242332458496},{"word":"backwards","start":1291.0651,"end":1291.5651,"confidence":0.9030762,"punctuated_word":"backwards.","sentiment":"neutral","sentiment_score":-0.10448998212814332},{"word":"i","start":1292.025,"end":1292.185,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14623531699180603},{"word":"do","start":1292.185,"end":1292.425,"confidence":0.9614258,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.12378821521997452},{"word":"apologize","start":1292.425,"end":1292.925,"confidence":0.88500977,"punctuated_word":"apologize,","sentiment":"neutral","sentiment_score":-0.14358669519424438},{"word":"sir","start":1293.0651,"end":1293.4651,"confidence":0.736084,"punctuated_word":"sir.","sentiment":"neutral","sentiment_score":-0.08901023864746094},{"word":"if","start":1293.4651,"end":1293.545,"confidence":0.90771484,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.056280430406332016},{"word":"you","start":1293.545,"end":1293.625,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.040684886276721954},{"word":"go","start":1293.625,"end":1293.785,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.036292966455221176},{"word":"back","start":1293.785,"end":1294.185,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.03102787211537361},{"word":"one","start":1294.185,"end":1294.685,"confidence":0.984375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.019737936556339264},{"word":"to","start":1294.745,"end":1295.245,"confidence":0.6113281,"punctuated_word":"to...","sentiment":"neutral","sentiment_score":-0.017795005813241005},{"word":"yeah","start":1297.0651,"end":1297.385,"confidence":0.96362305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.004544619470834732},{"word":"one","start":1297.385,"end":1297.625,"confidence":0.9951172,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.004021335393190384},{"word":"to","start":1297.625,"end":1297.785,"confidence":0.53808594,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004892381839454174},{"word":"two","start":1297.785,"end":1297.9451,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.005758784711360931},{"word":"pages","start":1297.9451,"end":1298.43,"confidence":0.873291,"punctuated_word":"pages,","sentiment":"neutral","sentiment_score":-0.0005139745771884918},{"word":"you'll","start":1298.51,"end":1298.8301,"confidence":0.9926758,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.007127526216208935},{"word":"see","start":1298.8301,"end":1299.15,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.015523534268140793},{"word":"ongoing","start":1299.15,"end":1299.65,"confidence":0.9980469,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.004464035853743553},{"word":"service","start":1299.79,"end":1300.27,"confidence":0.99609375,"punctuated_word":"service","sentiment":"neutral","sentiment_score":-0.01666225865483284},{"word":"fee","start":1300.27,"end":1300.43,"confidence":0.8964844,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.01679747737944126},{"word":"with","start":1300.43,"end":1300.91,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.006551230326294899},{"word":"the","start":1300.91,"end":1301.0701,"confidence":0.58935547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015713507309556007},{"word":"individual","start":1301.0701,"end":1301.5701,"confidence":1.0,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":0.01300233043730259},{"word":"clients","start":1301.63,"end":1302.1101,"confidence":0.52441406,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":-0.005290579050779343},{"word":"in","start":1302.1101,"end":1302.27,"confidence":0.71191406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02170420251786709},{"word":"couple","start":1302.27,"end":1302.75,"confidence":0.6767578,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.015225673094391825},{"word":"with","start":1302.75,"end":1302.91,"confidence":0.44677734,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.016644669696688652},{"word":"a","start":1302.91,"end":1303.0701,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015171500854194164},{"word":"couple","start":1303.0701,"end":1303.39,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.006966900080442429},{"word":"little","start":1303.39,"end":1303.7101,"confidence":0.58203125,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.02514629252254963},{"word":"pages","start":1303.7101,"end":1304.03,"confidence":0.7783203,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.0018183495849370956},{"word":"in","start":1304.03,"end":1304.1101,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0043591782450675964},{"word":"the","start":1304.1101,"end":1304.1901,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0014507360756397247},{"word":"middle","start":1304.1901,"end":1304.6901,"confidence":0.9995117,"punctuated_word":"middle.","sentiment":"neutral","sentiment_score":-0.002573534846305847},{"word":"there","start":1312.27,"end":1312.51,"confidence":0.9902344,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.005483608692884445},{"word":"we","start":1312.51,"end":1312.75,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.008549068123102188},{"word":"go","start":1312.75,"end":1313.25,"confidence":0.99902344,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.019038988277316093},{"word":"so","start":1315.895,"end":1316.135,"confidence":0.9819336,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08645380288362503},{"word":"what","start":1316.135,"end":1316.375,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12714673578739166},{"word":"i","start":1316.375,"end":1316.4551,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1240512877702713},{"word":"wanted","start":1316.4551,"end":1316.6951,"confidence":0.9091797,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.11432410031557085},{"word":"to","start":1316.6951,"end":1316.775,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1426168978214264},{"word":"let","start":1316.775,"end":1317.015,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.14288511872291565},{"word":"you","start":1317.015,"end":1317.0951,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11545257270336153},{"word":"know","start":1317.0951,"end":1317.3351,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.13380536437034607},{"word":"here","start":1317.3351,"end":1317.655,"confidence":0.9873047,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.10757262259721756},{"word":"is","start":1317.655,"end":1318.055,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1587330549955368},{"word":"that","start":1318.055,"end":1318.2151,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1832546889781952},{"word":"opu","start":1318.2151,"end":1318.7151,"confidence":0.43859863,"punctuated_word":"OPU","sentiment":"neutral","sentiment_score":0.13507206737995148},{"word":"has","start":1318.775,"end":1319.0951,"confidence":0.99609375,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.1272842437028885},{"word":"updated","start":1319.0951,"end":1319.5751,"confidence":1.0,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.10240422189235689},{"word":"its","start":1319.5751,"end":1319.8151,"confidence":0.97509766,"punctuated_word":"its","sentiment":"neutral","sentiment_score":0.11560474336147308},{"word":"fee","start":1319.8151,"end":1320.135,"confidence":0.96777344,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.10668669641017914},{"word":"structure","start":1320.135,"end":1320.635,"confidence":0.99902344,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.0969340354204178},{"word":"as","start":1321.3351,"end":1321.5751,"confidence":0.9038086,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10619525611400604},{"word":"a","start":1321.5751,"end":1321.655,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12086006253957748},{"word":"business","start":1321.655,"end":1322.155,"confidence":0.9748535,"punctuated_word":"business.","sentiment":"neutral","sentiment_score":0.10082075744867323},{"word":"so","start":1322.375,"end":1322.875,"confidence":0.97802734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10984757542610168},{"word":"previously","start":1322.935,"end":1323.435,"confidence":0.7685547,"punctuated_word":"previously,","sentiment":"neutral","sentiment_score":0.1077423095703125},{"word":"you","start":1323.655,"end":1323.8151,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13566134870052338},{"word":"were","start":1323.8151,"end":1324.055,"confidence":0.84716797,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.07902675122022629},{"word":"paying","start":1324.055,"end":1324.375,"confidence":0.9970703,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.091972216963768},{"word":"that","start":1324.375,"end":1324.615,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16304467618465424},{"word":"1.65%","start":1324.615,"end":1326.235,"confidence":0.99384767,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.0880105048418045},{"word":"spread","start":1326.295,"end":1326.6951,"confidence":0.9667969,"punctuated_word":"spread","sentiment":"neutral","sentiment_score":0.08507487922906876},{"word":"throughout","start":1326.6951,"end":1327.015,"confidence":0.99902344,"punctuated_word":"throughout","sentiment":"neutral","sentiment_score":0.062187645584344864},{"word":"the","start":1327.015,"end":1327.255,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0949554592370987},{"word":"year","start":1327.255,"end":1327.65,"confidence":0.98706055,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.09188295155763626},{"word":"but","start":1327.73,"end":1327.89,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06317713856697083},{"word":"we've","start":1327.89,"end":1328.13,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.09829645603895187},{"word":"added","start":1328.13,"end":1328.61,"confidence":1.0,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.13234975934028623},{"word":"in","start":1328.61,"end":1328.77,"confidence":0.97802734,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14006653428077698},{"word":"some","start":1328.77,"end":1329.09,"confidence":0.88183594,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.16049250960350037},{"word":"tier","start":1329.09,"end":1329.25,"confidence":0.74902344,"punctuated_word":"tier","sentiment":"neutral","sentiment_score":0.10639575868844986},{"word":"three","start":1329.25,"end":1329.41,"confidence":0.4946289,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.08127613365650177},{"word":"discount","start":1329.41,"end":1329.91,"confidence":0.8847656,"punctuated_word":"discount.","sentiment":"neutral","sentiment_score":0.08818267285823822},{"word":"so","start":1332.6901,"end":1333.01,"confidence":0.7932129,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.16152827441692352},{"word":"basically","start":1333.01,"end":1333.51,"confidence":0.9995117,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.15695583820343018},{"word":"everybody","start":1333.73,"end":1334.2101,"confidence":1.0,"punctuated_word":"everybody","sentiment":"neutral","sentiment_score":0.18275341391563416},{"word":"above","start":1334.2101,"end":1334.61,"confidence":0.99121094,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.1418028473854065},{"word":"$200,000","start":1334.61,"end":1335.81,"confidence":0.9962565,"punctuated_word":"$200,000","sentiment":"neutral","sentiment_score":0.13132593035697937},{"word":"will","start":1335.81,"end":1336.05,"confidence":0.7866211,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.12881983816623688},{"word":"start","start":1336.05,"end":1336.29,"confidence":0.99902344,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.1642136573791504},{"word":"to","start":1336.29,"end":1336.37,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14548549056053162},{"word":"get","start":1336.37,"end":1336.53,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.14620602130889893},{"word":"some","start":1336.53,"end":1336.77,"confidence":0.97802734,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1632239669561386},{"word":"discounted","start":1336.77,"end":1337.25,"confidence":0.7944336,"punctuated_word":"discounted","sentiment":"neutral","sentiment_score":0.0975857824087143},{"word":"percentages","start":1337.25,"end":1337.75,"confidence":0.6850586,"punctuated_word":"percentages,","sentiment":"neutral","sentiment_score":0.15183866024017334},{"word":"and","start":1338.6901,"end":1338.85,"confidence":0.8964844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15798071026802063},{"word":"then","start":1338.85,"end":1339.17,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12693454325199127},{"word":"further","start":1339.17,"end":1339.5701,"confidence":0.92333984,"punctuated_word":"further","sentiment":"neutral","sentiment_score":0.14760100841522217},{"word":"discounts","start":1339.5701,"end":1340.05,"confidence":0.7841797,"punctuated_word":"discounts","sentiment":"neutral","sentiment_score":0.1068190187215805},{"word":"if","start":1340.05,"end":1340.13,"confidence":0.39990234,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15515470504760742},{"word":"you","start":1340.13,"end":1340.29,"confidence":0.98095703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13455738127231598},{"word":"get","start":1340.29,"end":1340.53,"confidence":0.57470703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1338420957326889},{"word":"500,000","start":1340.53,"end":1341.49,"confidence":0.99934894,"punctuated_word":"500,000","sentiment":"neutral","sentiment_score":0.1482033133506775},{"word":"and","start":1341.49,"end":1341.65,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11376463621854782},{"word":"million","start":1341.65,"end":1342.15,"confidence":0.77905273,"punctuated_word":"million.","sentiment":"neutral","sentiment_score":0.1452176868915558},{"word":"so","start":1342.485,"end":1342.725,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20084288716316223},{"word":"what","start":1342.725,"end":1342.965,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2347143441438675},{"word":"i've","start":1342.965,"end":1343.205,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2426166534423828},{"word":"done","start":1343.205,"end":1343.705,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.2480023503303528},{"word":"is","start":1343.925,"end":1344.245,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22762218117713928},{"word":"i've","start":1344.245,"end":1344.565,"confidence":0.9946289,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2336345762014389},{"word":"added","start":1344.565,"end":1344.885,"confidence":1.0,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.23555025458335876},{"word":"in","start":1344.885,"end":1345.045,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2359248548746109},{"word":"a","start":1345.045,"end":1345.205,"confidence":0.9199219,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2430437803268433},{"word":"service","start":1345.205,"end":1345.6849,"confidence":1.0,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.12230273336172104},{"word":"agreement","start":1345.6849,"end":1346.165,"confidence":0.99121094,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.2023482471704483},{"word":"and","start":1346.165,"end":1346.245,"confidence":0.8730469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15715931355953217},{"word":"consent","start":1346.245,"end":1346.725,"confidence":0.9716797,"punctuated_word":"consent","sentiment":"neutral","sentiment_score":0.1628025770187378},{"word":"form","start":1346.725,"end":1346.965,"confidence":0.9863281,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.2488785833120346},{"word":"for","start":1346.965,"end":1347.125,"confidence":0.9770508,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2291916310787201},{"word":"you","start":1347.125,"end":1347.605,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1889091581106186},{"word":"if","start":1347.605,"end":1347.765,"confidence":0.6118164,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2215478718280792},{"word":"you're","start":1347.765,"end":1348.005,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1975533217191696},{"word":"happy","start":1348.005,"end":1348.325,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.2037169486284256},{"word":"to","start":1348.325,"end":1348.485,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24160003662109375},{"word":"receive","start":1348.485,"end":1348.965,"confidence":1.0,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.20510204136371613},{"word":"that","start":1348.965,"end":1349.465,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2543456256389618},{"word":"that","start":1349.6849,"end":1350.005,"confidence":0.8574219,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23956158757209775},{"word":"discount","start":1350.005,"end":1350.485,"confidence":0.9970703,"punctuated_word":"discount","sentiment":"neutral","sentiment_score":0.24590033292770383},{"word":"and","start":1350.485,"end":1350.805,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2084612548351288},{"word":"remain","start":1350.805,"end":1351.045,"confidence":0.5917969,"punctuated_word":"remain","sentiment":"neutral","sentiment_score":0.2395089715719223},{"word":"the","start":1351.045,"end":1351.125,"confidence":0.32836914,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22572137415409088},{"word":"client","start":1351.125,"end":1351.525,"confidence":0.81152344,"punctuated_word":"client","sentiment":"neutral","sentiment_score":0.22233903408050537},{"word":"for","start":1351.525,"end":1351.6849,"confidence":0.27954102,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21463483572006223},{"word":"that","start":1351.6849,"end":1352.1849,"confidence":0.98657227,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1705619990825653},{"word":"perfect","start":1355.205,"end":1355.705,"confidence":0.9921875,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5232759714126587},{"word":"what","start":1356.4701,"end":1356.79,"confidence":0.97998047,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.3126440644264221},{"word":"it","start":1356.79,"end":1356.87,"confidence":0.98095703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3096374571323395},{"word":"will","start":1356.87,"end":1357.03,"confidence":0.96533203,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.29635486006736755},{"word":"do","start":1357.03,"end":1357.1901,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2703983187675476},{"word":"too","start":1357.1901,"end":1357.43,"confidence":0.9394531,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.2787279784679413},{"word":"is","start":1357.43,"end":1357.67,"confidence":0.96435547,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19996654987335205},{"word":"it'll","start":1357.67,"end":1357.91,"confidence":0.8876953,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.19264256954193115},{"word":"kind","start":1357.91,"end":1358.15,"confidence":0.7446289,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.23858101665973663},{"word":"of","start":1358.15,"end":1358.23,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1867404729127884},{"word":"just","start":1358.23,"end":1358.39,"confidence":0.9165039,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.216526061296463},{"word":"do","start":1358.39,"end":1358.4701,"confidence":0.64160156,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.23461607098579407},{"word":"a","start":1358.4701,"end":1358.55,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23548966646194455},{"word":"bit","start":1358.55,"end":1358.7101,"confidence":0.97314453,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.22412198781967163},{"word":"of","start":1358.7101,"end":1358.87,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23761211335659027},{"word":"a","start":1358.87,"end":1358.9501,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22128373384475708},{"word":"flat","start":1358.9501,"end":1359.1901,"confidence":0.99121094,"punctuated_word":"flat","sentiment":"neutral","sentiment_score":0.2020658701658249},{"word":"fee","start":1359.1901,"end":1359.51,"confidence":0.99609375,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.2531576454639435},{"word":"so","start":1359.51,"end":1359.75,"confidence":0.7631836,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15376760065555573},{"word":"it","start":1359.75,"end":1359.8301,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17860008776187897},{"word":"doesn't","start":1359.8301,"end":1360.15,"confidence":0.9995117,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.18492624163627625},{"word":"follow","start":1360.15,"end":1360.39,"confidence":0.98828125,"punctuated_word":"follow","sentiment":"neutral","sentiment_score":0.1555529534816742},{"word":"your","start":1360.39,"end":1360.63,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20964036881923676},{"word":"balance","start":1360.63,"end":1361.03,"confidence":0.9941406,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.1931966245174408},{"word":"up","start":1361.03,"end":1361.1901,"confidence":0.93408203,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.22944645583629608},{"word":"as","start":1361.1901,"end":1361.43,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20905734598636627},{"word":"well","start":1361.43,"end":1361.75,"confidence":0.9707031,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.20991183817386627},{"word":"and","start":1361.75,"end":1361.91,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19511234760284424},{"word":"that'll","start":1361.91,"end":1362.23,"confidence":0.9641113,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.2433936446905136},{"word":"save","start":1362.23,"end":1362.4701,"confidence":0.9580078,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.2293234020471573},{"word":"you","start":1362.4701,"end":1362.63,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3068462610244751},{"word":"a","start":1362.63,"end":1362.7101,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2180851548910141},{"word":"bit","start":1362.7101,"end":1362.9501,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16336718201637268},{"word":"more","start":1362.9501,"end":1363.4501,"confidence":1.0,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":0.041253507137298584},{"word":"is","start":1364.0701,"end":1364.23,"confidence":0.9536133,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.01876693218946457},{"word":"there","start":1364.23,"end":1364.4701,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.022266877815127373},{"word":"a","start":1364.4701,"end":1364.63,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025235086679458615},{"word":"next","start":1364.63,"end":1364.9501,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.016363736242055893},{"word":"document","start":1364.9501,"end":1365.4501,"confidence":0.9707031,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.014492563903331757},{"word":"button","start":1365.51,"end":1365.8301,"confidence":1.0,"punctuated_word":"button","sentiment":"neutral","sentiment_score":0.022763807326555252},{"word":"there","start":1365.8301,"end":1366.0701,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.018251564353704453},{"word":"as","start":1366.0701,"end":1366.23,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02546637691557407},{"word":"well","start":1366.23,"end":1366.73,"confidence":0.99853516,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.02316999062895775},{"word":"cool","start":1369.8301,"end":1370.15,"confidence":0.9194336,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.3695814609527588},{"word":"so","start":1370.15,"end":1370.31,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11424200981855392},{"word":"you","start":1370.31,"end":1370.4701,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11619167774915697},{"word":"should","start":1370.4701,"end":1370.79,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.15598277747631073},{"word":"go","start":1370.79,"end":1370.9501,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04271310940384865},{"word":"to","start":1370.9501,"end":1371.11,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.078462153673172},{"word":"the","start":1371.11,"end":1371.61,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07099475711584091},{"word":"consent","start":1379.655,"end":1380.155,"confidence":0.9328613,"punctuated_word":"consent.","sentiment":"neutral","sentiment_score":-0.0387343093752861},{"word":"not","start":1380.215,"end":1380.375,"confidence":0.9194336,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.09219461679458618},{"word":"free","start":1380.375,"end":1380.695,"confidence":0.98095703,"punctuated_word":"free","sentiment":"neutral","sentiment_score":-0.05396231263875961},{"word":"yet","start":1380.695,"end":1381.195,"confidence":0.8642578,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.07582519948482513},{"word":"not","start":1381.495,"end":1381.575,"confidence":0.93359375,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.08000357449054718},{"word":"until","start":1381.575,"end":1381.895,"confidence":0.99609375,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.06200462579727173},{"word":"we","start":1381.895,"end":1382.0549,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.054851386696100235},{"word":"retire","start":1382.0549,"end":1382.5549,"confidence":0.77001953,"punctuated_word":"retire.","sentiment":"neutral","sentiment_score":-0.01676980033516884},{"word":"but","start":1382.855,"end":1383.355,"confidence":0.99609375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05877726525068283},{"word":"these","start":1385.4501,"end":1385.6901,"confidence":0.99316406,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.1245492547750473},{"word":"are","start":1385.6901,"end":1385.8501,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08462931215763092},{"word":"pretty","start":1385.8501,"end":1386.0901,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.15978433191776276},{"word":"much","start":1386.0901,"end":1386.25,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.14518269896507263},{"word":"the","start":1386.25,"end":1386.41,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08449970930814743},{"word":"last","start":1386.41,"end":1386.65,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.07707042992115021},{"word":"document","start":1386.65,"end":1387.13,"confidence":0.75024414,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.09502752870321274},{"word":"so","start":1387.13,"end":1387.37,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13894350826740265},{"word":"if","start":1387.37,"end":1387.4501,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17876730859279633},{"word":"you","start":1387.4501,"end":1387.6101,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15654489398002625},{"word":"are","start":1387.6101,"end":1387.8501,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.14549686014652252},{"word":"comfortable","start":1387.8501,"end":1388.3301,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.168199822306633},{"word":"with","start":1388.3301,"end":1388.4901,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.19723333418369293},{"word":"the","start":1388.4901,"end":1388.65,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1376626193523407},{"word":"services","start":1388.65,"end":1389.15,"confidence":0.97265625,"punctuated_word":"services,","sentiment":"neutral","sentiment_score":0.1233142986893654},{"word":"just","start":1389.4501,"end":1389.77,"confidence":0.98828125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1358734667301178},{"word":"have","start":1389.77,"end":1390.01,"confidence":0.7319336,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15852832794189453},{"word":"a","start":1390.01,"end":1390.0901,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15212935209274292},{"word":"pop","start":1390.0901,"end":1390.3301,"confidence":0.9589844,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.14778628945350647},{"word":"on","start":1390.3301,"end":1390.4901,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11808772385120392},{"word":"a","start":1390.4901,"end":1390.65,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10373175144195557},{"word":"signature","start":1390.65,"end":1391.05,"confidence":1.0,"punctuated_word":"signature","sentiment":"neutral","sentiment_score":0.06334659457206726},{"word":"at","start":1391.05,"end":1391.2101,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0848330408334732},{"word":"the","start":1391.2101,"end":1391.29,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09417072683572768},{"word":"bottom","start":1391.29,"end":1391.6101,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.1163122057914734},{"word":"of","start":1391.6101,"end":1391.77,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12444458901882172},{"word":"that","start":1391.77,"end":1392.01,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0979168862104416},{"word":"document","start":1392.01,"end":1392.51,"confidence":0.87524414,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.08631666004657745},{"word":"and","start":1392.81,"end":1393.05,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0943305492401123},{"word":"then","start":1393.05,"end":1393.2101,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10498927533626556},{"word":"the","start":1393.2101,"end":1393.37,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0952090471982956},{"word":"last","start":1393.37,"end":1393.6901,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.07414932548999786},{"word":"one","start":1393.6901,"end":1393.93,"confidence":0.9790039,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0746961385011673},{"word":"will","start":1393.93,"end":1394.0901,"confidence":0.9111328,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07553228735923767},{"word":"just","start":1394.0901,"end":1394.25,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06331406533718109},{"word":"be","start":1394.25,"end":1394.41,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09859934449195862},{"word":"a","start":1394.41,"end":1394.5701,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10642842948436736},{"word":"tax","start":1394.5701,"end":1394.89,"confidence":0.8925781,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.09686382114887238},{"word":"file","start":1394.89,"end":1395.05,"confidence":0.86035156,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.05055331066250801},{"word":"number","start":1395.05,"end":1395.4501,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.08480901271104813},{"word":"opt","start":1395.4501,"end":1395.6901,"confidence":0.86279297,"punctuated_word":"opt","sentiment":"neutral","sentiment_score":0.08979221433401108},{"word":"in","start":1395.6901,"end":1395.93,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07586050033569336},{"word":"form","start":1395.93,"end":1396.305,"confidence":0.8972168,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.08076715469360352},{"word":"yeah","start":1414.1599,"end":1414.48,"confidence":0.8479004,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2150108814239502},{"word":"hopefully","start":1414.48,"end":1414.7999,"confidence":0.97021484,"punctuated_word":"Hopefully,","sentiment":"positive","sentiment_score":0.3545442223548889},{"word":"it's","start":1414.7999,"end":1415.0399,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4930645823478699},{"word":"pretty","start":1415.0399,"end":1415.2,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5303505063056946},{"word":"user","start":1415.2,"end":1415.5199,"confidence":0.9980469,"punctuated_word":"user","sentiment":"positive","sentiment_score":0.46514230966567993},{"word":"friendly","start":1415.5199,"end":1415.84,"confidence":0.9970703,"punctuated_word":"friendly.","sentiment":"positive","sentiment_score":0.52385413646698},{"word":"it","start":1415.84,"end":1415.9199,"confidence":0.9838867,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.41233110427856445},{"word":"should","start":1415.9199,"end":1416.08,"confidence":0.9980469,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.4534270763397217},{"word":"just","start":1416.08,"end":1416.24,"confidence":0.9667969,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3656665086746216},{"word":"be","start":1416.24,"end":1416.48,"confidence":0.9941406,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.40694886445999146},{"word":"a","start":1416.48,"end":1416.5599,"confidence":0.85839844,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3723647594451904},{"word":"bit","start":1416.5599,"end":1416.72,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3354238271713257},{"word":"of","start":1416.72,"end":1416.7999,"confidence":0.9863281,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3947458267211914},{"word":"a","start":1416.7999,"end":1416.88,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3109879493713379},{"word":"click","start":1416.88,"end":1417.12,"confidence":0.9580078,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.2167530059814453},{"word":"and","start":1417.12,"end":1417.36,"confidence":0.8886719,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18277867138385773},{"word":"a","start":1417.36,"end":1417.44,"confidence":0.9667969,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23246891796588895},{"word":"stamp","start":1417.44,"end":1417.94,"confidence":0.7609863,"punctuated_word":"stamp.","sentiment":"neutral","sentiment_score":0.22008636593818665},{"word":"yeah","start":1436.99,"end":1437.23,"confidence":0.85961914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.020111527293920517},{"word":"today's","start":1437.23,"end":1437.71,"confidence":0.92578125,"punctuated_word":"Today's","sentiment":"neutral","sentiment_score":0.02182987704873085},{"word":"date","start":1437.71,"end":1438.21,"confidence":0.954834,"punctuated_word":"date.","sentiment":"neutral","sentiment_score":0.03185147047042847},{"word":"yep","start":1438.91,"end":1439.3099,"confidence":0.9941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.058272793889045715},{"word":"and","start":1439.3099,"end":1439.47,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.052397433668375015},{"word":"then","start":1439.47,"end":1439.7899,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.059961337596178055},{"word":"once","start":1439.7899,"end":1440.03,"confidence":0.99316406,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.06170669570565224},{"word":"you","start":1440.03,"end":1440.19,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0531962588429451},{"word":"go","start":1440.19,"end":1440.35,"confidence":0.99316406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04748241975903511},{"word":"to","start":1440.35,"end":1440.4299,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.049327291548252106},{"word":"the","start":1440.4299,"end":1440.51,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.046417295932769775},{"word":"next","start":1440.51,"end":1440.83,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.031947873532772064},{"word":"document","start":1440.83,"end":1441.3099,"confidence":0.99560547,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.03199470043182373},{"word":"it'll","start":1441.3099,"end":1441.63,"confidence":0.80078125,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.04910898208618164},{"word":"take","start":1441.63,"end":1441.7899,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.048048652708530426},{"word":"you","start":1441.7899,"end":1441.95,"confidence":0.890625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04037212207913399},{"word":"to","start":1441.95,"end":1442.19,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.050447504967451096},{"word":"the","start":1442.19,"end":1442.35,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0541933998465538},{"word":"last","start":1442.35,"end":1442.6699,"confidence":0.99609375,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.05521835386753082},{"word":"one","start":1442.6699,"end":1443.1699,"confidence":0.9951172,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.05103245377540589},{"word":"so","start":1450.925,"end":1451.245,"confidence":0.9536133,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.062413375824689865},{"word":"this","start":1451.245,"end":1451.405,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07172435522079468},{"word":"is","start":1451.405,"end":1451.565,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05674663931131363},{"word":"pretty","start":1451.565,"end":1451.8049,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.06700891256332397},{"word":"much","start":1451.8049,"end":1452.3049,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.06832863390445709},{"word":"whether","start":1452.925,"end":1453.245,"confidence":0.8618164,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.06326791644096375},{"word":"you're","start":1453.245,"end":1453.565,"confidence":0.99121094,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.038037363439798355},{"word":"consenting","start":1453.565,"end":1454.065,"confidence":0.984375,"punctuated_word":"consenting","sentiment":"neutral","sentiment_score":0.042026374489068985},{"word":"for","start":1454.125,"end":1454.365,"confidence":0.96533203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.014880821108818054},{"word":"us","start":1454.365,"end":1454.525,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.0239579975605011},{"word":"to","start":1454.525,"end":1454.605,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.046032167971134186},{"word":"still","start":1454.605,"end":1454.845,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.05921338498592377},{"word":"hold","start":1454.845,"end":1455.085,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.05213082581758499},{"word":"the","start":1455.085,"end":1455.245,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06029284745454788},{"word":"tax","start":1455.245,"end":1455.565,"confidence":0.60546875,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.10935483127832411},{"word":"file","start":1455.565,"end":1455.725,"confidence":0.5258789,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.04985141009092331},{"word":"number","start":1455.725,"end":1456.045,"confidence":0.9641113,"punctuated_word":"number.","sentiment":"neutral","sentiment_score":0.07476729154586792},{"word":"it's","start":1456.045,"end":1456.205,"confidence":0.9970703,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.10154308378696442},{"word":"a","start":1456.205,"end":1456.365,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14233246445655823},{"word":"very","start":1456.365,"end":1456.605,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.1258876621723175},{"word":"important","start":1456.605,"end":1457.005,"confidence":0.99902344,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.10262243449687958},{"word":"number","start":1457.005,"end":1457.505,"confidence":0.9255371,"punctuated_word":"number.","sentiment":"neutral","sentiment_score":0.1342473030090332},{"word":"just","start":1457.565,"end":1457.8049,"confidence":0.5527344,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.04673082381486893},{"word":"need","start":1457.8049,"end":1457.965,"confidence":0.99316406,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.03183130919933319},{"word":"to","start":1457.965,"end":1458.045,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023546136915683743},{"word":"make","start":1458.045,"end":1458.205,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.0007981285452842712},{"word":"sure","start":1458.205,"end":1458.365,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.002663753926753998},{"word":"that","start":1458.365,"end":1458.525,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.017053253948688507},{"word":"you're","start":1458.525,"end":1458.765,"confidence":0.9448242,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.011308476328849792},{"word":"still","start":1458.765,"end":1459.005,"confidence":0.99609375,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.023590348660945892},{"word":"okay","start":1459.005,"end":1459.325,"confidence":0.9980469,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":-0.003847792744636536},{"word":"for","start":1459.325,"end":1459.485,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.014819644391536713},{"word":"us","start":1459.485,"end":1459.565,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.02325379848480225},{"word":"to","start":1459.565,"end":1459.725,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.019597195088863373},{"word":"hold","start":1459.725,"end":1459.885,"confidence":0.9980469,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.01378938928246498},{"word":"on","start":1459.885,"end":1460.16,"confidence":0.9790039,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.008541598916053772},{"word":"to","start":1464.0,"end":1464.0801,"confidence":0.9248047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0013453885912895205},{"word":"it","start":1464.0801,"end":1464.3201,"confidence":0.951416,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.001942303031682968},{"word":"yeah","start":1464.3201,"end":1464.56,"confidence":0.95874023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028885668143630028},{"word":"it's","start":1464.56,"end":1464.7201,"confidence":0.9802246,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.031804315745830536},{"word":"what","start":1464.7201,"end":1464.88,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.029673658311367035},{"word":"we","start":1464.88,"end":1464.9601,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03453561291098595},{"word":"use","start":1464.9601,"end":1465.2001,"confidence":0.8911133,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.04747562482953072},{"word":"to","start":1465.2001,"end":1465.28,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.045204173773527145},{"word":"open","start":1465.28,"end":1465.6,"confidence":1.0,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.05115359649062157},{"word":"up","start":1465.6,"end":1465.76,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.05277359485626221},{"word":"the","start":1465.76,"end":1465.92,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03884641081094742},{"word":"accounts","start":1465.92,"end":1466.3201,"confidence":0.6850586,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.03588719666004181},{"word":"and","start":1466.3201,"end":1466.64,"confidence":0.8491211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03680935502052307},{"word":"insurances","start":1466.64,"end":1467.14,"confidence":0.8898926,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.03427760303020477},{"word":"and","start":1467.36,"end":1467.52,"confidence":0.5986328,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0634518563747406},{"word":"super","start":1467.52,"end":1467.8401,"confidence":0.91259766,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08857233822345734},{"word":"funds","start":1467.8401,"end":1468.16,"confidence":0.8183594,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.07436832785606384},{"word":"and","start":1468.16,"end":1468.3201,"confidence":0.9716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07960036396980286},{"word":"all","start":1468.3201,"end":1468.48,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.09963124990463255},{"word":"that","start":1468.48,"end":1468.7201,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08501109480857849},{"word":"stuff","start":1468.7201,"end":1468.88,"confidence":0.6442871,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":0.08839757740497589},{"word":"cool","start":1468.88,"end":1469.38,"confidence":0.75268555,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.1741495132446289},{"word":"yep","start":1474.1549,"end":1474.5549,"confidence":0.9650879,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17225782573223114},{"word":"that'll","start":1474.5549,"end":1474.955,"confidence":0.98291016,"punctuated_word":"That'll","sentiment":"neutral","sentiment_score":0.22031831741333008},{"word":"come","start":1474.955,"end":1475.195,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.26865723729133606},{"word":"back","start":1475.195,"end":1475.4349,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.25667500495910645},{"word":"through","start":1475.4349,"end":1475.9349,"confidence":0.99609375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.23927389085292816},{"word":"to","start":1476.235,"end":1476.475,"confidence":0.96240234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25287729501724243},{"word":"us","start":1476.475,"end":1476.7949,"confidence":0.99609375,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.23200258612632751},{"word":"you'll","start":1476.7949,"end":1477.0349,"confidence":0.9675293,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.2535783052444458},{"word":"get","start":1477.0349,"end":1477.195,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2659699320793152},{"word":"a","start":1477.195,"end":1477.2749,"confidence":0.96777344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24785077571868896},{"word":"signed","start":1477.2749,"end":1477.595,"confidence":0.9921875,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.19045165181159973},{"word":"copy","start":1477.595,"end":1477.9149,"confidence":0.9980469,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.20638924837112427},{"word":"as","start":1477.9149,"end":1478.075,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25363031029701233},{"word":"well","start":1478.075,"end":1478.575,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2372221946716309},{"word":"if","start":1479.0349,"end":1479.195,"confidence":0.93359375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.23723353445529935},{"word":"you","start":1479.195,"end":1479.2749,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2332673966884613},{"word":"ever","start":1479.2749,"end":1479.4349,"confidence":0.97314453,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.27139735221862793},{"word":"need","start":1479.4349,"end":1479.6749,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.22101378440856936},{"word":"one","start":1479.6749,"end":1479.835,"confidence":0.99658203,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.19926756620407104},{"word":"you","start":1479.835,"end":1479.9149,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2404135465621948},{"word":"can","start":1479.9149,"end":1480.075,"confidence":0.9902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22496546804904935},{"word":"let","start":1480.075,"end":1480.315,"confidence":0.99121094,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.25633400678634644},{"word":"us","start":1480.315,"end":1480.3949,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.23678173124790192},{"word":"know","start":1480.3949,"end":1480.635,"confidence":0.9421387,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.27058833837509155},{"word":"but","start":1480.635,"end":1480.7949,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2517598569393158},{"word":"it","start":1480.7949,"end":1480.955,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.35765865445137024},{"word":"does","start":1480.955,"end":1481.115,"confidence":0.9941406,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.2719117999076843},{"word":"give","start":1481.115,"end":1481.355,"confidence":0.9863281,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.30371615290641785},{"word":"you","start":1481.355,"end":1481.4349,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3100934326648712},{"word":"options","start":1481.4349,"end":1481.9149,"confidence":0.44726562,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.24821460247039795},{"word":"to","start":1481.9149,"end":1482.1549,"confidence":0.97314453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32049617171287537},{"word":"download","start":1482.1549,"end":1482.635,"confidence":1.0,"punctuated_word":"download","sentiment":"neutral","sentiment_score":0.2789803743362427},{"word":"it","start":1482.635,"end":1483.115,"confidence":0.8791504,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.3139546513557434},{"word":"and","start":1483.115,"end":1483.615,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3106139600276947},{"word":"that","start":1483.755,"end":1483.995,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3659969270229339},{"word":"has","start":1483.995,"end":1484.315,"confidence":0.9921875,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.28587862849235535},{"word":"come","start":1484.315,"end":1484.5549,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.32087162137031555},{"word":"back","start":1484.5549,"end":1484.875,"confidence":0.9863281,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.3205045461654663},{"word":"signed","start":1484.875,"end":1485.355,"confidence":0.8339844,"punctuated_word":"signed.","sentiment":"neutral","sentiment_score":0.25748029351234436},{"word":"thank","start":1485.355,"end":1485.515,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7379973530769348},{"word":"you","start":1485.515,"end":1485.6749,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7300020456314087},{"word":"very","start":1485.6749,"end":1485.9149,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.7099385857582092},{"word":"much","start":1485.9149,"end":1486.1549,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.721430778503418},{"word":"for","start":1486.1549,"end":1486.315,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6912791132926941},{"word":"that","start":1486.315,"end":1486.5549,"confidence":0.99609375,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.7170599699020386},{"word":"joe","start":1486.5549,"end":1486.86,"confidence":0.93237305,"punctuated_word":"Joe.","sentiment":"positive","sentiment_score":0.6676297783851624},{"word":"so","start":1489.82,"end":1490.0599,"confidence":0.8474121,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.23729246854782104},{"word":"basically","start":1490.0599,"end":1490.54,"confidence":0.99560547,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.2147253006696701},{"word":"from","start":1490.54,"end":1490.7,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.19836920499801636},{"word":"here","start":1490.7,"end":1491.2,"confidence":0.9975586,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.19301186501979828},{"word":"i","start":1491.74,"end":1492.22,"confidence":0.8251953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2445915788412094},{"word":"will","start":1492.22,"end":1492.54,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2152089476585388},{"word":"get","start":1492.54,"end":1492.7,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2288019359111786},{"word":"the","start":1492.7,"end":1492.86,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23691123723983765},{"word":"team","start":1492.86,"end":1493.1,"confidence":0.99121094,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.2279849648475647},{"word":"to","start":1493.1,"end":1493.26,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2696024477481842},{"word":"double","start":1493.26,"end":1493.5,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.22061556577682495},{"word":"check","start":1493.5,"end":1493.82,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.24424421787261963},{"word":"those","start":1493.82,"end":1494.22,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.24926292896270752},{"word":"insurance","start":1494.22,"end":1494.72,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.21990004181861875},{"word":"beneficiaries","start":1495.1,"end":1495.6,"confidence":0.9951172,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.1597086936235428},{"word":"for","start":1495.74,"end":1495.9,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.31755760312080383},{"word":"you","start":1495.9,"end":1496.4,"confidence":0.9797363,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2536911070346832},{"word":"we'll","start":1496.62,"end":1496.86,"confidence":0.98339844,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.16532288491725922},{"word":"give","start":1496.86,"end":1497.1,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.25525397062301636},{"word":"you","start":1497.1,"end":1497.26,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23186752200126648},{"word":"a","start":1497.26,"end":1497.34,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21568208932876587},{"word":"buzz","start":1497.34,"end":1497.58,"confidence":0.9970703,"punctuated_word":"buzz","sentiment":"positive","sentiment_score":0.36786919832229614},{"word":"in","start":1497.58,"end":1497.74,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1526395082473755},{"word":"a","start":1497.74,"end":1497.82,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18047860264778137},{"word":"couple","start":1497.82,"end":1498.0599,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.16012008488178253},{"word":"of","start":1498.0599,"end":1498.22,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1998966783285141},{"word":"weeks","start":1498.22,"end":1498.46,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.186649888753891},{"word":"to","start":1498.46,"end":1498.62,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1845213770866394},{"word":"follow-up","start":1498.62,"end":1498.94,"confidence":0.99348956,"punctuated_word":"follow-up","sentiment":"neutral","sentiment_score":0.19261932373046875},{"word":"on","start":1498.94,"end":1499.1,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.20856216549873352},{"word":"how","start":1499.1,"end":1499.26,"confidence":0.99609375,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.254962295293808},{"word":"the","start":1499.26,"end":1499.42,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25739267468452454},{"word":"job","start":1499.42,"end":1499.66,"confidence":0.9873047,"punctuated_word":"job","sentiment":"neutral","sentiment_score":0.17086581885814667},{"word":"hunting","start":1499.66,"end":1500.0599,"confidence":0.92333984,"punctuated_word":"hunting","sentiment":"neutral","sentiment_score":0.23177525401115415},{"word":"went","start":1500.0599,"end":1500.435,"confidence":0.97265625,"punctuated_word":"went,","sentiment":"neutral","sentiment_score":0.2201584279537201},{"word":"and","start":1500.675,"end":1500.915,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11191745102405548},{"word":"then","start":1500.915,"end":1501.155,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12782567739486694},{"word":"we'll","start":1501.155,"end":1501.395,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1754952371120453},{"word":"get","start":1501.395,"end":1501.635,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3034989833831787},{"word":"you","start":1501.635,"end":1501.795,"confidence":0.97314453,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23505817353725433},{"word":"booked","start":1501.795,"end":1502.035,"confidence":0.98095703,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.2501233220100403},{"word":"in","start":1502.035,"end":1502.275,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.204311341047287},{"word":"to","start":1502.275,"end":1502.3551,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21034732460975647},{"word":"go","start":1502.3551,"end":1502.5951,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2722599506378174},{"word":"through","start":1502.5951,"end":1502.755,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.24145925045013428},{"word":"the","start":1502.755,"end":1502.9951,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2528263330459595},{"word":"updated","start":1502.9951,"end":1503.4751,"confidence":0.8774414,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.23327402770519257},{"word":"investments","start":1503.4751,"end":1503.9751,"confidence":0.71777344,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.14309728145599365},{"word":"you","start":1504.035,"end":1504.1951,"confidence":0.56933594,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1427033543586731},{"word":"may","start":1504.1951,"end":1504.5951,"confidence":0.49414062,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.08301381766796112},{"word":"after","start":1504.5951,"end":1505.0951,"confidence":0.4267578,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.0750708132982254},{"word":"that","start":1507.875,"end":1508.1151,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5899252891540527},{"word":"perfect","start":1508.1151,"end":1508.5951,"confidence":0.9848633,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.7637511491775513},{"word":"any","start":1508.5951,"end":1508.755,"confidence":1.0,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.2055097073316574},{"word":"questions","start":1508.755,"end":1509.0751,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.26618292927742004},{"word":"for","start":1509.0751,"end":1509.2351,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2886899411678314},{"word":"me","start":1509.2351,"end":1509.395,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.40493378043174744},{"word":"before","start":1509.395,"end":1509.635,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.23187780380249023},{"word":"i","start":1509.635,"end":1509.7151,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22983451187610623},{"word":"let","start":1509.7151,"end":1509.9551,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.11687285453081132},{"word":"you","start":1509.9551,"end":1510.1151,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22918689250946045},{"word":"go","start":1510.1151,"end":1510.6151,"confidence":0.99902344,"punctuated_word":"go?","sentiment":"neutral","sentiment_score":0.23745045065879825},{"word":"awesome","start":1514.2001,"end":1514.6001,"confidence":0.9970703,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.7692524194717407},{"word":"thank","start":1514.6001,"end":1514.76,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7764954566955566},{"word":"you","start":1514.76,"end":1514.92,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8247739672660828},{"word":"so","start":1514.92,"end":1515.0801,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8150559067726135},{"word":"much","start":1515.0801,"end":1515.2401,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8799914121627808},{"word":"again","start":1515.2401,"end":1515.56,"confidence":0.9707031,"punctuated_word":"again","sentiment":"positive","sentiment_score":0.8573703765869141},{"word":"for","start":1515.56,"end":1515.7201,"confidence":0.99609375,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7929365038871765},{"word":"calling","start":1515.7201,"end":1515.9601,"confidence":0.99609375,"punctuated_word":"calling","sentiment":"positive","sentiment_score":0.715408205986023},{"word":"back","start":1515.9601,"end":1516.1201,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.7429248094558716},{"word":"in","start":1516.1201,"end":1516.6201,"confidence":0.92749023,"punctuated_word":"in,","sentiment":"positive","sentiment_score":0.601983904838562},{"word":"and","start":1516.68,"end":1517.16,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5990291833877563},{"word":"i'll","start":1517.16,"end":1517.4,"confidence":0.93847656,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.5469745993614197},{"word":"talk","start":1517.4,"end":1517.64,"confidence":0.9951172,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.4361495971679687},{"word":"to","start":1517.64,"end":1517.68,"confidence":0.9951172,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.47679463028907776},{"word":"you","start":1517.68,"end":1517.7201,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3439784049987793},{"word":"in","start":1517.7201,"end":1517.88,"confidence":0.99609375,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.36769190430641174},{"word":"a","start":1517.88,"end":1517.9601,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.33747750520706177},{"word":"few","start":1517.9601,"end":1518.1201,"confidence":0.99902344,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.2584942579269409},{"word":"weeks","start":1518.1201,"end":1518.6201,"confidence":0.98999023,"punctuated_word":"weeks.","sentiment":"positive","sentiment_score":0.45818230509758},{"word":"thanks","start":1522.52,"end":1522.92,"confidence":0.99609375,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.7312151193618774},{"word":"joe","start":1522.92,"end":1523.16,"confidence":0.9921875,"punctuated_word":"Joe.","sentiment":"positive","sentiment_score":0.6682007312774658},{"word":"see","start":1523.16,"end":1523.4,"confidence":1.0,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.50935959815979},{"word":"you","start":1523.4,"end":1523.4801,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5870380401611328},{"word":"later","start":1523.4801,"end":1523.9801,"confidence":0.9995117,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.6097891330718994}],"paragraphs":{"transcript":"\nHello. This is Tommy speaking. Hello? Yeah. Absolutely.\n\nPop her through when you're ready, man. Good evening, Joe. It's Tommy here. How are you doing? I'm doing fantastic.\n\nThank you so much for calling me back in. Perfect. We have each other now. I've got I've got a bit of an annual view packet sent through to you on your email. Just wondering if you'll have to look on that with me today, or should I just kind of walk you through what I'm sending?\n\nJust sending it now. It usually takes a minute or so. It's got a bit of a few attachments there. But I'm just sending it through to the the Hotmail that we have on file. Perfect.\n\nBefore I jump into it, is there anything in particular that you were hoping to get out of this review? Yeah. Just a bit of a general update, that kind of thing. Awesome. So while that's coming through here, what I might do if you do have a pen is I might just update a few details that we've got on file, and then I can kind of jump into that pack with you.\n\nHow's that then? Perfect. So in terms of... Or start with goals to begin with, we had you kind of wanting to retire around about age 65 on about 1200 a week. We do have a few goals noted down to just obviously kind of build up a bit of a house deposit, purchase property, that kind of thing, being your your sort of main cash flow priority.\n\nDoes that sound about right? Cool. Have you managed any headway on that at the moment? I know the world's gone crazy and the cost of living through the roof, but have you come with the deposit? That's totally so.\n\nIt is. It is. I talk to Australians every single day, and I think 90% of my calls is just how difficult it is at the moment. So I I can leave that on there as a bit of a five year goal for yourself, and I can always just keep an eye on that together. Perfect.\n\nNow in terms of the occupation side of things, now please forgive me. We do have a new system, and I'm just merging everything across. I have the employer listed down as exact cleaning and maintenance. Is that right? Cool.\n\nAnd we did go through end of financial year recently. Do you know what the annual income is sitting out of the month? Yeah. I think we had you close to around the 80,000 miles. Is it close to that still?\n\n68. I'll add that in. 68,000. And I'm assuming you're not doing a similar role as you were with Rexha. Is it still, like, project admin, or is it a bit different?\n\nYep. That'll support the front desk, and that's all just kind of office space, working from home over the phone. All office space. Perfect. And you feel like you're able...\n\nI mean, you just said it was pretty hard, but are you able to set aside any savings at the moment per week that you're aiming for or not so much at the moment? Okay. I'll leave that. So, basically, I'm not gonna recommend any salary sacrifice to super or anything like that. If If you don't have the cash flow, we can come back to that later.\n\nCool. In terms of assets and liabilities, we've got the motor vehicle there. Any other kind of... Any loans or or assets floating around, any cash or shares or anything? No.\n\nPerfect. That's out right. And I know that you were having a bit of, like, a like, a will on your to do list. Did you put one of those in place? Like, a a will and a power of attorney?\n\nOh, yeah. Yeah. You talked about the beneficiary nominations for the super. Has to be like a financial dependent or something like that. Cool.\n\nOne thing I was gonna double check with you too is for the life insurance. I wasn't able to see it today with Zurich whether your nephew is listed on there. But if he's not... Like, life insurance go to anybody. Do you want do you want him listed for at least a 100,000 of the life insurance?\n\nOr... Alrighty. I will have a little look at that. What I'll do is I'll get the team to kind of give Zurich a call when their office reopens tomorrow. And if that's not on there, we'll get the form sent out to you to the life insurance.\n\nPerfect. Outside of that, so the two yeah. Cool. I'll I'll have a look and I'll let you know. The super still still got him on there at the moment, but if there's no one else to to nominate, I'll then have to touch it.\n\nCool. I'll just quickly touch base on the insurance for a minute, and then we'll jump into the super there. The the pack that I've sent you out, just to let you know what's kind of there, we've got a bit of a summary for the super insurances, your performance, the certificates of currency from Zurich for the life insurance, the disability, the income protection, a few service guides and consent forms from us, and a bit of a tax file number opt in form as well. Are you able to look onto that email with me at the moment, or how are you going to the tech side? Yeah.\n\nThat's right. So with the Odoo system, if you actually click the sign button, it brings open all documents to scroll through. It doesn't actually sign anything until the end. So it may take a second to load, but you should see our letterhead at the top of the first one for the super and insurance summary. That's the one.\n\nSo with Zurich, you've got a 110,000 of life and disability insurance. That's your your lump sum if you can never work again or you pass away. They're kind of linked together. And you wanted me to do any kind of changes or quotes for those amounts this year? Cool.\n\nWhen it comes to the income protection, so I do a little bit of a a calculation work back. Now just bear in mind, they cover you for 70% of your income, and they're technically insuring you for an income of 72,000. You mentioned 68,000, so it's pretty close, but you're technically a tiny bit over insured with your current income. Now it's one of the things where you can trim it down a little bit to try and get the premiums down. Probably wouldn't do too much, but does that sort of over insurance make sense?\n\nIf I go 68070% in monthly... So, realistically, let's say you went on claim now and you said, oh, here's my tax return. I'm on 68,000. They would pay you 4,000 a month instead of 4,200 a month because that's your your income on paper. K?\n\nIt's a thirty day waiting period. So if you're out of work for more than a month, so, you know, illness or injury, it'll kick in monthly for up to two years. Now are you expecting any kind of job changes or pay rises the next couple of years? Yeah. Right.\n\nHopefully, aiming for a little bit more. Also, do you want me to kind of leave this one as is for now? And then if you do get that other job, we'll just kind of reassess the the amount. Oh, okay. Yeah.\n\nWe'll do that. What I might do too is we'll get the team to kind of give you a buzz in a couple of weeks just to see how that went. Cool. Premiums, $215.07 per year, 15% rebate drops down under $2, so that's pretty good. I do need to keep an eye on premiums because the insurance would increase every year.\n\nI don't want you to be going backwards from. One thing I will double check with you is I believe you might have, like, a smoker's rates applied to the policy. I'm just wondering if you might be twelve months cigarette free or anything like that. Yeah. If we or if we already have since the last review or anything like that.\n\nThat's okay. It's one of those fun things where, yeah, the excise tax makes everything get more expensive, and then they up your insurances too. So it's a little bit of a vicious cycle there. But, again, I'll pencil in for a bit of a a quick check on the the occupation in a couple of weeks. So I'll leave those alone for now.\n\nYou don't have any trauma insurance as well. That's the last one for heart attack, stroke, and cancer, but that's more like a... You have to pay for that one out of pocket. Cool. Now swinging over to the super there, if you go to the next next document, you should see that big blue table for the hub 20 four report.\n\nNow I'm not sure if you're on computer or phone. I'm just wondering if you can make out any of the figures in that table or the words. Is it clear? Can you see it? Yep.\n\nThat's the one. Now what I wanna kind of point out here on this one is I don't know if you're able to see all of the names of the funds on the left hand column where it's got, like, a Benelon and a BetaShares and a Global X Gold and all this kind of thing all down that left hand side. Now that's all of the options inside the server. There's a good sort of seven, eight of them. Some of them are for shares, some for gold, some for safe things like term deposits.\n\nWhat I really... I guess the way I'd explain it is if you put all of them together, it makes a bit of a pie chart for the different assets that you're invested in. Now you're in what's called a a growth portfolio. So, technically speaking, four out of five on the risk scale. You're a little bit above medium in terms of risk and return.\n\nYou're not high risk. So what that does, we're basically putting 80% of your money into growth assets, which is like shares company goal, 20% in the safest side of things, if that makes sense. Cool. Now what I can kind of see here is the very right hand column, it gives you percentage returns for all those options. Now when I look at the portfolio, what I basically gotta do is say, okay.\n\nIf you're in a growth portfolio, we we kind of want the super growing at about 9% of the year as a bit of a benchmark. Does that make sense? So some years it goes up 15. Some years it goes down 8%, that kind of thing. You've still cleared 9.2% after fees since you've been on board.\n\nIt's had a bit of an up and down. I don't know if you... Do you log in to to look at your super every now and then? So what's basically been happening is January to March, we had the war on Iran kickoff, and it stopped us. It went down, then it went back up again, and then it's come down again last month.\n\nBasically, your super went from 213,000 down to $20.02 and then back up to $2.27. So it's kind of bounced back up into the positive this year. Now it's only up a few percent because of those market drops. Like I said, still going good since you've become a client about, but there's a couple of little points that I would like to address. The very top option and the very bottom option.\n\nI don't know if you can make out those percentages, but they've got brackets around. Yes. Yes. That's the one. So that option at the top, that dropped 17%, and the property at the bottom dropped 15.\n\nEverything else in the middle looks pretty well positive or double digit. What that basically means is when the government came out with that capital gains tax negative gearing law, the property options dropped, and the Australian market's also been dropping for the rate rises and and fuel prices as well. So what I can do is while you're going through the the the job application, I can do a bit of a research on a couple of options to maybe switch out to those. We don't maybe have to overhaul everything. It could just be a bit of an engine tune up on just a couple of options.\n\nCool. Would you be comfortable for me to kind of try and find some lower fee investments as as well, maybe go for a slightly different style? Yeah. Absolutely. So what I'll do is we'll give you a call in a couple of weeks for the the other job plan.\n\nThat'll give me an indication for the income protection. In the interim, I'll get the team to to look at a couple of options to mix in. We've got a couple we have been researching as well. That should at least, while the world's on fire, at least maybe drop the fees a little bit and hopefully bump up the returns a little bit until things calm down. Cool.\n\nDoes all that make sense so far? Any questions at the moment? Cool. The last thing I'll ask you is when it comes to that risk profile I mentioned being broke, realistically, because you've got fifteen years into retirement, you've got the option either stay as you are and get as much growth as you can for, let's say, the next eight or nine years. When you're close to retirement, we can reduce the risk down so you don't lose it all when you've been in 64.\n\nOr you could kick it up into high growth if you really wanna try and increase the return, but that has increased the risk. Cool. We'll keep it as the growth profile, give it an engine sure enough, and we should be good for a while. Awesome. Now just for the rest of those documents that are in there, if you skip past to the next document, you'll see a big red Vanguard chart.\n\nYeah. You may have seen this one a few times, but it basically just shows that if you factor in all of the stock market crashes and financial crises that happen, you can still get good returns long term as long as you've got enough time in the market. The next document there is your certificate of currency for the income protection. So that's just a validity certificate. If anything happens, we can help you with the claim and claims advice as well.\n\nIf you click on the next one, that is your life and disability. Yeah. Yep. That's the next one. Now this one's got a few pages in it, but I just want you to...\n\nIf you can scroll down. I don't know if you can skip pages or scroll down for us. You'll see basically, like, our our values and pictures of the team and directors. But when you get to about the thirteenth page, there'll be another blue document saying financial services guide about halfway down. Yeah.\n\nAbout 13 on the software. It'll be kind of the fourteenth on the document. And you'll see, like, at the end, there's a big team photo, and then it'll go back to another blue document that that you picture straight after it. Cool. Now if you could just go down...\n\nYep. Does it say financial services guide on it rather than overview services? No. That's perfect. So if you go one more page, you'll see a couple of tables there, And you should see individually coupled with some little tables of, like, a fee structure.\n\nIt was the one after fees and charges before the associate. Oh, yes. Cool. And the last page... Let me just have a quick look.\n\nAlright. That one. Oh, sorry. My computer's lagging now. The...\n\nIt says financial advice for everyday Australians on the last page, but that one says financial services guide. It'd be... Oh, yes. So go backwards. I do apologize, sir.\n\nIf you go back one to... Yeah. One to two pages, You'll see ongoing service fee with the individual clients in couple with a couple little pages in the middle. There we go. So what I wanted to let you know here is that OPU has updated its fee structure as a business.\n\nSo previously, you were paying that 1.65% spread throughout the year, but we've added in some tier three discount. So, basically, everybody above $200,000 will start to get some discounted percentages, and then further discounts if you get 500,000 and million. So what I've done is I've added in a service agreement and consent form for you if you're happy to receive that that discount and remain the client for that. Perfect. What it will do too is it'll kind of just do a bit of a flat fee so it doesn't follow your balance up as well, and that'll save you a bit more.\n\nIs there a next document button there as well? Cool. So you should go to the consent. Not free yet. Not until we retire.\n\nBut these are pretty much the last document. So if you are comfortable with the services, just have a pop on a signature at the bottom of that document, and then the last one will just be a tax file number opt in form. Yeah. Hopefully, it's pretty user friendly. It should just be a bit of a click and a stamp.\n\nYeah. Today's date. Yep. And then once you go to the next document, it'll take you to the last one. So this is pretty much whether you're consenting for us to still hold the tax file number.\n\nIt's a very important number. Just need to make sure that you're still okay for us to hold on to it. Yeah. It's what we use to open up the accounts and insurances and super funds and all that stuff. Cool.\n\nYep. That'll come back through to us. You'll get a signed copy as well. If you ever need one, you can let us know, but it does give you options to download it, and that has come back signed. Thank you very much for that, Joe.\n\nSo, basically, from here, I will get the team to double check those insurance beneficiaries for you. We'll give you a buzz in a couple of weeks to follow-up on how the job hunting went, and then we'll get you booked in to go through the updated investments you may after that. Perfect. Any questions for me before I let you go? Awesome.\n\nThank you so much again for calling back in, and I'll talk to you in a few weeks. Thanks, Joe. See you later.","paragraphs":[{"sentences":[{"text":"Hello.","start":14.015,"end":14.415,"sentiment":"neutral","sentiment_score":0.0023164316080510616},{"text":"This is Tommy speaking.","start":14.415,"end":15.635,"sentiment":"neutral","sentiment_score":0.0015886930050328374},{"text":"Hello?","start":22.335,"end":22.835,"sentiment":"neutral","sentiment_score":-0.0026927446015179157},{"text":"Yeah.","start":29.39,"end":29.79,"sentiment":"neutral","sentiment_score":0.02243982069194317},{"text":"Absolutely.","start":29.79,"end":30.29,"sentiment":"neutral","sentiment_score":0.08104607462882996}],"sentiment":"neutral","sentiment_score":0.013683044293429703,"num_words":8,"start":14.015,"end":30.29},{"sentences":[{"text":"Pop her through when you're ready, man.","start":30.51,"end":32.370003,"sentiment":"neutral","sentiment_score":0.04570001257317407},{"text":"Good evening, Joe.","start":48.045,"end":48.925,"sentiment":"positive","sentiment_score":0.369295875231425},{"text":"It's Tommy here.","start":48.925,"end":49.964996,"sentiment":"neutral","sentiment_score":0.2558928231398265},{"text":"How are you doing?","start":49.964996,"end":50.784996,"sentiment":"neutral","sentiment_score":0.24164113402366638},{"text":"I'm doing fantastic.","start":53.510002,"end":54.57,"sentiment":"positive","sentiment_score":0.6953834295272827}],"sentiment":"neutral","sentiment_score":0.2624090503901243,"num_words":20,"start":30.51,"end":54.57},{"sentences":[{"text":"Thank you so much for calling me back in.","start":54.63,"end":56.33,"sentiment":"positive","sentiment_score":0.6857826113700867},{"text":"Perfect.","start":59.59,"end":59.99,"sentiment":"positive","sentiment_score":0.5397565364837646},{"text":"We have each other now.","start":59.99,"end":61.03,"sentiment":"neutral","sentiment_score":0.2494275152683258},{"text":"I've got I've got a bit of an annual view packet sent through to you on your email.","start":61.03,"end":66.57,"sentiment":"neutral","sentiment_score":0.13302739668223593},{"text":"Just wondering if you'll have to look on that with me today, or should I just kind of walk you through what I'm sending?","start":67.585,"end":74.325005,"sentiment":"neutral","sentiment_score":0.10731273656710982}],"sentiment":"neutral","sentiment_score":0.226823446193808,"num_words":57,"start":54.63,"end":74.325005},{"sentences":[{"text":"Just sending it now.","start":80.61,"end":81.729996,"sentiment":"neutral","sentiment_score":0.02231293125078082},{"text":"It usually takes a minute or so.","start":81.729996,"end":83.96999,"sentiment":"neutral","sentiment_score":0.02239196002483368},{"text":"It's got a bit of a few attachments there.","start":83.96999,"end":86.71,"sentiment":"neutral","sentiment_score":0.014477608725428581},{"text":"But I'm just sending it through to the the Hotmail that we have on file.","start":87.009995,"end":90.63,"sentiment":"neutral","sentiment_score":0.03977465654412905},{"text":"Perfect.","start":93.674995,"end":94.174995,"sentiment":"positive","sentiment_score":0.3746347427368164}],"sentiment":"neutral","sentiment_score":0.037431903183460236,"num_words":36,"start":80.61,"end":94.174995},{"sentences":[{"text":"Before I jump into it, is there anything in particular that you were hoping to get out of this review?","start":94.395,"end":99.454994,"sentiment":"neutral","sentiment_score":0.033043997921049596},{"text":"Yeah.","start":107.240005,"end":107.4,"sentiment":"neutral","sentiment_score":-0.009008772671222689},{"text":"Just a bit of a general update, that kind of thing.","start":107.4,"end":109.66,"sentiment":"neutral","sentiment_score":-0.006221923807805235},{"text":"Awesome.","start":111.880005,"end":112.36,"sentiment":"neutral","sentiment_score":0.19385798275470736},{"text":"So while that's coming through here, what I might do if you do have a pen is I might just update a few details that we've got on file, and then I can kind of jump into that pack with you.","start":112.36,"end":121.880005,"sentiment":"neutral","sentiment_score":0.11323825787843728}],"sentiment":"neutral","sentiment_score":0.07324400783289929,"num_words":74,"start":94.395,"end":121.880005},{"sentences":[{"text":"How's that then?","start":121.880005,"end":122.625,"sentiment":"neutral","sentiment_score":0.10053049524625142},{"text":"Perfect.","start":125.585,"end":126.085,"sentiment":"positive","sentiment_score":0.699042797088623},{"text":"So in terms of...","start":126.225,"end":127.685,"sentiment":"neutral","sentiment_score":0.15047608315944672},{"text":"Or start with goals to begin with, we had you kind of wanting to retire around about age 65 on about 1200 a week.","start":127.985,"end":135.66,"sentiment":"neutral","sentiment_score":0.1355850569282969},{"text":"We do have a few goals noted down to just obviously kind of build up a bit of a house deposit, purchase property, that kind of thing, being your your sort of main cash flow priority.","start":135.90001,"end":147.2,"sentiment":"neutral","sentiment_score":0.22102375949422517}],"sentiment":"neutral","sentiment_score":0.188432872404947,"num_words":68,"start":121.880005,"end":147.2},{"sentences":[{"text":"Does that sound about right?","start":147.5,"end":148.88,"sentiment":"neutral","sentiment_score":0.09192581623792648},{"text":"Cool.","start":151.945,"end":152.445,"sentiment":"neutral","sentiment_score":0.21636439859867096},{"text":"Have you managed any headway on that at the moment?","start":152.985,"end":155.065,"sentiment":"neutral","sentiment_score":0.11874872073531151},{"text":"I know the world's gone crazy and the cost of living through the roof, but have you come with the deposit?","start":155.065,"end":159.725,"sentiment":"neutral","sentiment_score":-0.1478247834103448},{"text":"That's totally so.","start":163.945,"end":165.27,"sentiment":"neutral","sentiment_score":-0.22961850464344025}],"sentiment":"neutral","sentiment_score":-0.04824238196015358,"num_words":40,"start":147.5,"end":165.27},{"sentences":[{"text":"It is.","start":165.75,"end":166.23001,"sentiment":"neutral","sentiment_score":-0.06680382043123245},{"text":"It is.","start":166.23001,"end":166.71,"sentiment":"neutral","sentiment_score":0.0140790194272995},{"text":"I talk to Australians every single day, and I think 90% of my calls is just how difficult it is at the moment.","start":166.71,"end":173.37001,"sentiment":"neutral","sentiment_score":-0.04738948380817538},{"text":"So I I can leave that on there as a bit of a five year goal for yourself, and I can always just keep an eye on that together.","start":173.51001,"end":179.895,"sentiment":"neutral","sentiment_score":0.1660899501936189},{"text":"Perfect.","start":182.455,"end":182.955,"sentiment":"positive","sentiment_score":0.4781048893928528}],"sentiment":"neutral","sentiment_score":0.07191764413003336,"num_words":57,"start":165.75,"end":182.955},{"sentences":[{"text":"Now in terms of the occupation side of things, now please forgive me.","start":183.335,"end":187.41501,"sentiment":"neutral","sentiment_score":0.025664783727664214},{"text":"We do have a new system, and I'm just merging everything across.","start":187.41501,"end":191.195,"sentiment":"neutral","sentiment_score":0.0695933373644948},{"text":"I have the employer listed down as exact cleaning and maintenance.","start":191.895,"end":195.43999,"sentiment":"neutral","sentiment_score":0.04125588285652074},{"text":"Is that right?","start":195.43999,"end":196.18,"sentiment":"neutral","sentiment_score":0.04071410124500593},{"text":"Cool.","start":199.04,"end":199.28,"sentiment":"neutral","sentiment_score":0.19937746226787567}],"sentiment":"neutral","sentiment_score":0.048602417856454846,"num_words":40,"start":183.335,"end":199.28},{"sentences":[{"text":"And we did go through end of financial year recently.","start":199.28,"end":202.07999,"sentiment":"neutral","sentiment_score":0.0851630587130785},{"text":"Do you know what the annual income is sitting out of the month?","start":202.07999,"end":204.73999,"sentiment":"neutral","sentiment_score":0.031818844664555326},{"text":"Yeah.","start":210.455,"end":210.615,"sentiment":"neutral","sentiment_score":0.033953964710235596},{"text":"I think we had you close to around the 80,000 miles.","start":210.615,"end":213.255,"sentiment":"neutral","sentiment_score":0.03417159616947174},{"text":"Is it close to that still?","start":213.255,"end":214.795,"sentiment":"neutral","sentiment_score":0.02704863529652357}],"sentiment":"neutral","sentiment_score":0.0448148512713066,"num_words":41,"start":199.28,"end":214.795},{"sentences":[{"text":"68.","start":222.455,"end":223.255,"sentiment":"neutral","sentiment_score":-0.004324374720454216},{"text":"I'll add that in.","start":223.255,"end":224.475,"sentiment":"neutral","sentiment_score":0.005944109056144953},{"text":"68,000.","start":224.535,"end":225.675,"sentiment":"neutral","sentiment_score":0.0010036410531029103},{"text":"And I'm assuming you're not doing a similar role as you were with Rexha.","start":227.06,"end":231.4,"sentiment":"neutral","sentiment_score":-0.030050089383231744},{"text":"Is it still, like, project admin, or is it a bit different?","start":231.7,"end":234.52,"sentiment":"neutral","sentiment_score":-0.031802307814359665}],"sentiment":"neutral","sentiment_score":-0.02443353883063537,"num_words":32,"start":222.455,"end":234.52},{"sentences":[{"text":"Yep.","start":246.035,"end":246.535,"sentiment":"neutral","sentiment_score":-0.015303236432373524},{"text":"That'll support the front desk, and that's all just kind of office space, working from home over the phone.","start":250.31,"end":255.29,"sentiment":"neutral","sentiment_score":0.17571019577352623},{"text":"All office space.","start":258.55,"end":259.75,"sentiment":"neutral","sentiment_score":0.18803669015566507},{"text":"Perfect.","start":259.75,"end":260.25,"sentiment":"positive","sentiment_score":0.7513100504875183},{"text":"And you feel like you're able...","start":261.11,"end":263.11,"sentiment":"positive","sentiment_score":0.5521809657414755}],"sentiment":"neutral","sentiment_score":0.26505654662226635,"num_words":30,"start":246.035,"end":263.11},{"sentences":[{"text":"I mean, you just said it was pretty hard, but are you able to set aside any savings at the moment per week that you're aiming for or not so much at the moment?","start":263.11,"end":270.845,"sentiment":"neutral","sentiment_score":0.1847009963410742},{"text":"Okay.","start":274.505,"end":275.005,"sentiment":"neutral","sentiment_score":-0.1689932346343994},{"text":"I'll leave that.","start":275.945,"end":276.66498,"sentiment":"neutral","sentiment_score":-0.14694222311178842},{"text":"So, basically, I'm not gonna recommend any salary sacrifice to super or anything like that.","start":276.66498,"end":281.065,"sentiment":"negative","sentiment_score":-0.33746695121129355},{"text":"If If you don't have the cash flow, we can come back to that later.","start":281.065,"end":283.91,"sentiment":"neutral","sentiment_score":-0.22817891637484233}],"sentiment":"neutral","sentiment_score":-0.04139226532595999,"num_words":68,"start":263.11,"end":283.91},{"sentences":[{"text":"Cool.","start":286.29,"end":286.79,"sentiment":"neutral","sentiment_score":0.1638697236776352},{"text":"In terms of assets and liabilities, we've got the motor vehicle there.","start":287.33,"end":291.59,"sentiment":"neutral","sentiment_score":0.0876879757270217},{"text":"Any other kind of...","start":291.97,"end":293.17,"sentiment":"neutral","sentiment_score":0.01745506515726447},{"text":"Any loans or or assets floating around, any cash or shares or anything?","start":293.17,"end":297.57498,"sentiment":"neutral","sentiment_score":0.001693852747289034},{"text":"No.","start":300.435,"end":300.935,"sentiment":"neutral","sentiment_score":-0.22513100504875183}],"sentiment":"neutral","sentiment_score":0.034930153990224484,"num_words":31,"start":286.29,"end":300.935},{"sentences":[{"text":"Perfect.","start":303.07498,"end":303.555,"sentiment":"neutral","sentiment_score":0.2314268797636032},{"text":"That's out right.","start":303.555,"end":304.615,"sentiment":"neutral","sentiment_score":0.15994604925314584},{"text":"And I know that you were having a bit of, like, a like, a will on your to do list.","start":305.555,"end":311.19998,"sentiment":"neutral","sentiment_score":-0.00021132100373506547},{"text":"Did you put one of those in place?","start":311.19998,"end":313.13998,"sentiment":"neutral","sentiment_score":-0.005435846513137221},{"text":"Like, a a will and a power of attorney?","start":315.84,"end":318.09998,"sentiment":"neutral","sentiment_score":-0.04478089842531416}],"sentiment":"neutral","sentiment_score":0.006354237793058884,"num_words":41,"start":303.07498,"end":318.09998},{"sentences":[{"text":"Oh, yeah.","start":343.22998,"end":343.62997,"sentiment":"neutral","sentiment_score":-0.007890396285802126},{"text":"Yeah.","start":343.62997,"end":343.87,"sentiment":"neutral","sentiment_score":-0.002093291841447354},{"text":"You talked about the beneficiary nominations for the super.","start":343.87,"end":346.77,"sentiment":"neutral","sentiment_score":-0.00008455995056364272},{"text":"Has to be like a financial dependent or something like that.","start":347.895,"end":350.955,"sentiment":"neutral","sentiment_score":-0.04065236703238704},{"text":"Cool.","start":351.895,"end":352.395,"sentiment":"neutral","sentiment_score":0.15792052447795868}],"sentiment":"neutral","sentiment_score":-0.01282877653526763,"num_words":24,"start":343.22998,"end":352.395},{"sentences":[{"text":"One thing I was gonna double check with you too is for the life insurance.","start":353.335,"end":362.94998,"sentiment":"neutral","sentiment_score":-0.04658927619457245},{"text":"I wasn't able to see it today with Zurich whether your nephew is listed on there.","start":363.88998,"end":368.63,"sentiment":"neutral","sentiment_score":-0.07422783342190087},{"text":"But if he's not...","start":368.69,"end":370.06998,"sentiment":"neutral","sentiment_score":-0.10084423422813416},{"text":"Like, life insurance go to anybody.","start":370.37,"end":372.15,"sentiment":"neutral","sentiment_score":-0.13931730637947717},{"text":"Do you want do you want him listed for at least a 100,000 of the life insurance?","start":372.21,"end":376.185,"sentiment":"neutral","sentiment_score":0.007748956600313678}],"sentiment":"neutral","sentiment_score":-0.05162125845953565,"num_words":58,"start":353.335,"end":376.185},{"sentences":[{"text":"Or...","start":376.325,"end":376.825,"sentiment":"neutral","sentiment_score":0.011547110974788666},{"text":"Alrighty.","start":380.80502,"end":381.30502,"sentiment":"positive","sentiment_score":0.3617717325687408},{"text":"I will have a little look at that.","start":381.36502,"end":384.165,"sentiment":"neutral","sentiment_score":0.19037500023841858},{"text":"What I'll do is I'll get the team to kind of give Zurich a call when their office reopens tomorrow.","start":384.165,"end":389.26,"sentiment":"neutral","sentiment_score":0.16240651905536652},{"text":"And if that's not on there, we'll get the form sent out to you to the life insurance.","start":389.48,"end":393.82,"sentiment":"neutral","sentiment_score":0.09604940418567923}],"sentiment":"neutral","sentiment_score":0.14319455212292573,"num_words":48,"start":376.325,"end":393.82},{"sentences":[{"text":"Perfect.","start":396.84,"end":397.34,"sentiment":"positive","sentiment_score":0.5120712518692017},{"text":"Outside of that, so the two yeah.","start":398.12,"end":408.875,"sentiment":"neutral","sentiment_score":-0.04416711016425064},{"text":"Cool.","start":408.875,"end":409.19498,"sentiment":"neutral","sentiment_score":0.2466740310192108},{"text":"I'll I'll have a look and I'll let you know.","start":409.19498,"end":411.13498,"sentiment":"neutral","sentiment_score":0.21786281913518907},{"text":"The super still still got him on there at the moment, but if there's no one else to to nominate, I'll then have to touch it.","start":411.835,"end":417.87003,"sentiment":"neutral","sentiment_score":0.026478049202034108}],"sentiment":"neutral","sentiment_score":0.07370295516318745,"num_words":45,"start":396.84,"end":417.87003},{"sentences":[{"text":"Cool.","start":420.09003,"end":420.59003,"sentiment":"positive","sentiment_score":0.3571234941482544},{"text":"I'll just quickly touch base on the insurance for a minute, and then we'll jump into the super there.","start":421.69,"end":426.705,"sentiment":"neutral","sentiment_score":0.23799389051763634},{"text":"The the pack that I've sent you out, just to let you know what's kind of there, we've got a bit of a summary for the super insurances, your performance, the certificates of currency from Zurich for the life insurance, the disability, the income protection, a few service guides and consent forms from us, and a bit of a tax file number opt in form as well.","start":427.66498,"end":449.08002,"sentiment":"neutral","sentiment_score":0.2129571344425429},{"text":"Are you able to look onto that email with me at the moment, or how are you going to the tech side?","start":449.38,"end":463.365,"sentiment":"neutral","sentiment_score":0.0741738226603378},{"text":"Yeah.","start":463.365,"end":463.685,"sentiment":"neutral","sentiment_score":0.06899109482765198}],"sentiment":"neutral","sentiment_score":0.1895268237726255,"num_words":110,"start":420.09003,"end":463.685},{"sentences":[{"text":"That's right.","start":463.685,"end":464.245,"sentiment":"neutral","sentiment_score":0.12191277742385864},{"text":"So with the Odoo system, if you actually click the sign button, it brings open all documents to scroll through.","start":464.245,"end":470.24,"sentiment":"neutral","sentiment_score":0.1392074154689908},{"text":"It doesn't actually sign anything until the end.","start":470.54,"end":473.2,"sentiment":"neutral","sentiment_score":-0.08461580518633127},{"text":"So it may take a second to load, but you should see our letterhead at the top of the first one for the super and insurance summary.","start":477.66,"end":484.24,"sentiment":"neutral","sentiment_score":0.04067165321773953},{"text":"That's the one.","start":499.32498,"end":500.22,"sentiment":"neutral","sentiment_score":0.17281800011793771}],"sentiment":"neutral","sentiment_score":0.06612726766616106,"num_words":60,"start":463.685,"end":500.22},{"sentences":[{"text":"So with Zurich, you've got a 110,000 of life and disability insurance.","start":500.54,"end":505.52,"sentiment":"neutral","sentiment_score":0.1661353905995687},{"text":"That's your your lump sum if you can never work again or you pass away.","start":505.98,"end":509.74,"sentiment":"neutral","sentiment_score":-0.034668202698230746},{"text":"They're kind of linked together.","start":509.74,"end":511.04,"sentiment":"neutral","sentiment_score":0.11063670963048935},{"text":"And you wanted me to do any kind of changes or quotes for those amounts this year?","start":512.425,"end":516.84503,"sentiment":"neutral","sentiment_score":0.09149381562190897},{"text":"Cool.","start":520.34503,"end":520.84503,"sentiment":"positive","sentiment_score":0.4276495575904846}],"sentiment":"neutral","sentiment_score":0.08019659236073494,"num_words":50,"start":500.54,"end":520.84503},{"sentences":[{"text":"When it comes to the income protection, so I do a little bit of a a calculation work back.","start":521.22504,"end":526.185,"sentiment":"neutral","sentiment_score":0.12163853802179035},{"text":"Now just bear in mind, they cover you for 70% of your income, and they're technically insuring you for an income of 72,000.","start":526.185,"end":535.10004,"sentiment":"neutral","sentiment_score":0.15370667077924893},{"text":"You mentioned 68,000, so it's pretty close, but you're technically a tiny bit over insured with your current income.","start":535.64,"end":542.3,"sentiment":"neutral","sentiment_score":-0.10604603608187876},{"text":"Now it's one of the things where you can trim it down a little bit to try and get the premiums down.","start":545.185,"end":550.065,"sentiment":"neutral","sentiment_score":-0.032073659653013405},{"text":"Probably wouldn't do too much, but does that sort of over insurance make sense?","start":550.065,"end":555.84503,"sentiment":"neutral","sentiment_score":-0.1354597189596721}],"sentiment":"neutral","sentiment_score":0.012674787494632387,"num_words":97,"start":521.22504,"end":555.84503},{"sentences":[{"text":"If I go 68070% in monthly...","start":558.91,"end":565.00995,"sentiment":"neutral","sentiment_score":0.013166586868464947},{"text":"So, realistically, let's say you went on claim now and you said, oh, here's my tax return.","start":565.23,"end":570.50995,"sentiment":"neutral","sentiment_score":0.01811329475672477},{"text":"I'm on 68,000.","start":570.50995,"end":572.05,"sentiment":"neutral","sentiment_score":0.04784035806854566},{"text":"They would pay you 4,000 a month instead of 4,200 a month because that's your your income on paper.","start":572.675,"end":579.415,"sentiment":"neutral","sentiment_score":0.07695818359130308},{"text":"K?","start":582.675,"end":583.175,"sentiment":"neutral","sentiment_score":0.015260669402778149}],"sentiment":"neutral","sentiment_score":0.04365027747648444,"num_words":46,"start":558.91,"end":583.175},{"sentences":[{"text":"It's a thirty day waiting period.","start":583.315,"end":584.83496,"sentiment":"neutral","sentiment_score":-0.04375372609744469},{"text":"So if you're out of work for more than a month, so, you know, illness or injury, it'll kick in monthly for up to two years.","start":584.83496,"end":591.89,"sentiment":"neutral","sentiment_score":-0.14188721045278585},{"text":"Now are you expecting any kind of job changes or pay rises the next couple of years?","start":594.83,"end":599.535,"sentiment":"neutral","sentiment_score":0.0080797919893966},{"text":"Yeah.","start":606.975,"end":607.21497,"sentiment":"neutral","sentiment_score":0.05336616188287735},{"text":"Right.","start":607.21497,"end":607.71497,"sentiment":"neutral","sentiment_score":0.09837925434112547}],"sentiment":"neutral","sentiment_score":-0.0718134891826148,"num_words":51,"start":583.315,"end":607.71497},{"sentences":[{"text":"Hopefully, aiming for a little bit more.","start":608.01495,"end":610.115,"sentiment":"neutral","sentiment_score":0.2109316119125911},{"text":"Also, do you want me to kind of leave this one as is for now?","start":620.67,"end":623.63,"sentiment":"neutral","sentiment_score":-0.002209199530382951},{"text":"And then if you do get that other job, we'll just kind of reassess the the amount.","start":623.63,"end":634.005,"sentiment":"neutral","sentiment_score":0.006288804387783303},{"text":"Oh, okay.","start":634.505,"end":635.14496,"sentiment":"neutral","sentiment_score":0.059140436351299286},{"text":"Yeah.","start":635.14496,"end":635.64496,"sentiment":"neutral","sentiment_score":0.07228384912014008}],"sentiment":"neutral","sentiment_score":0.041448992543986866,"num_words":42,"start":608.01495,"end":635.64496},{"sentences":[{"text":"We'll do that.","start":636.02496,"end":636.765,"sentiment":"neutral","sentiment_score":0.10183010747035344},{"text":"What I might do too is we'll get the team to kind of give you a buzz in a couple of weeks just to see how that went.","start":637.785,"end":645.5,"sentiment":"neutral","sentiment_score":0.07872881953205381},{"text":"Cool.","start":647.8,"end":648.3,"sentiment":"positive","sentiment_score":0.4659270644187927},{"text":"Premiums, $215.07 per year, 15% rebate drops down under $2, so that's pretty good.","start":649.0,"end":655.425,"sentiment":"positive","sentiment_score":0.47066386682646616},{"text":"I do need to keep an eye on premiums because the insurance would increase every year.","start":655.985,"end":660.96497,"sentiment":"neutral","sentiment_score":-0.00022173975594341668}],"sentiment":"neutral","sentiment_score":0.1542188811806902,"num_words":62,"start":636.02496,"end":660.96497},{"sentences":[{"text":"I don't want you to be going backwards from.","start":661.185,"end":663.685,"sentiment":"neutral","sentiment_score":-0.1980118743247456},{"text":"One thing I will double check with you is I believe you might have, like, a smoker's rates applied to the policy.","start":666.785,"end":674.78,"sentiment":"neutral","sentiment_score":-0.050644958561117},{"text":"I'm just wondering if you might be twelve months cigarette free or anything like that.","start":675.08,"end":680.06,"sentiment":"neutral","sentiment_score":-0.06765794977545739},{"text":"Yeah.","start":685.445,"end":685.605,"sentiment":"neutral","sentiment_score":-0.06086582690477371},{"text":"If we or if we already have since the last review or anything like that.","start":685.605,"end":688.985,"sentiment":"neutral","sentiment_score":-0.07823375314474106}],"sentiment":"neutral","sentiment_score":-0.08299253754798443,"num_words":62,"start":661.185,"end":688.985},{"sentences":[{"text":"That's okay.","start":698.005,"end":698.825,"sentiment":"neutral","sentiment_score":-0.07012074813246727},{"text":"It's one of those fun things where, yeah, the excise tax makes everything get more expensive, and then they up your insurances too.","start":699.48,"end":706.04,"sentiment":"neutral","sentiment_score":-0.28128918940606323},{"text":"So it's a little bit of a vicious cycle there.","start":706.04,"end":708.22,"sentiment":"neutral","sentiment_score":-0.30127084255218506},{"text":"But, again, I'll pencil in for a bit of a a quick check on the the occupation in a couple of weeks.","start":710.36,"end":716.105,"sentiment":"neutral","sentiment_score":-0.003944281657988375},{"text":"So I'll leave those alone for now.","start":716.105,"end":717.805,"sentiment":"neutral","sentiment_score":-0.007179772664260652}],"sentiment":"neutral","sentiment_score":-0.1524942794258095,"num_words":64,"start":698.005,"end":717.805},{"sentences":[{"text":"You don't have any trauma insurance as well.","start":718.185,"end":720.425,"sentiment":"negative","sentiment_score":-0.33516477793455124},{"text":"That's the last one for heart attack, stroke, and cancer, but that's more like a...","start":720.425,"end":725.14496,"sentiment":"neutral","sentiment_score":-0.27011738419532777},{"text":"You have to pay for that one out of pocket.","start":725.14496,"end":727.08496,"sentiment":"negative","sentiment_score":-0.5294462531805039},{"text":"Cool.","start":730.32,"end":730.82,"sentiment":"neutral","sentiment_score":0.3328384757041931},{"text":"Now swinging over to the super there, if you go to the next next document, you should see that big blue table for the hub 20 four report.","start":731.28,"end":741.38,"sentiment":"neutral","sentiment_score":0.15412043274513312}],"sentiment":"neutral","sentiment_score":-0.11902146654263619,"num_words":62,"start":718.185,"end":741.38},{"sentences":[{"text":"Now I'm not sure if you're on computer or phone.","start":746.81494,"end":749.295,"sentiment":"neutral","sentiment_score":-0.11428029350936413},{"text":"I'm just wondering if you can make out any of the figures in that table or the words.","start":749.295,"end":753.055,"sentiment":"neutral","sentiment_score":-0.08954324490494198},{"text":"Is it clear?","start":753.055,"end":753.95496,"sentiment":"neutral","sentiment_score":-0.045542243868112564},{"text":"Can you see it?","start":754.01495,"end":755.01,"sentiment":"neutral","sentiment_score":-0.03492116089910269},{"text":"Yep.","start":763.49,"end":763.89,"sentiment":"neutral","sentiment_score":0.07821956276893616}],"sentiment":"neutral","sentiment_score":-0.08201869877262248,"num_words":36,"start":746.81494,"end":763.89},{"sentences":[{"text":"That's the one.","start":763.89,"end":764.87,"sentiment":"neutral","sentiment_score":0.09260354439417522},{"text":"Now what I wanna kind of point out here on this one is I don't know if you're able to see all of the names of the funds on the left hand column where it's got, like, a Benelon and a BetaShares and a Global X Gold and all this kind of thing all down that left hand side.","start":767.705,"end":782.98,"sentiment":"neutral","sentiment_score":0.019776790907953756},{"text":"Now that's all of the options inside the server.","start":785.52,"end":788.48,"sentiment":"neutral","sentiment_score":0.1703723528318935},{"text":"There's a good sort of seven, eight of them.","start":788.48,"end":790.5,"sentiment":"neutral","sentiment_score":0.15374736901786593},{"text":"Some of them are for shares, some for gold, some for safe things like term deposits.","start":791.12,"end":795.46,"sentiment":"neutral","sentiment_score":0.10608569253236055}],"sentiment":"neutral","sentiment_score":0.06311551951997292,"num_words":96,"start":763.89,"end":795.46},{"sentences":[{"text":"What I really...","start":796.445,"end":797.42505,"sentiment":"neutral","sentiment_score":0.1306240657965342},{"text":"I guess the way I'd explain it is if you put all of them together, it makes a bit of a pie chart for the different assets that you're invested in.","start":797.72504,"end":805.98505,"sentiment":"neutral","sentiment_score":0.15479376599673303},{"text":"Now you're in what's called a a growth portfolio.","start":808.365,"end":811.185,"sentiment":"neutral","sentiment_score":0.15540961093372768},{"text":"So, technically speaking, four out of five on the risk scale.","start":811.83,"end":815.93005,"sentiment":"neutral","sentiment_score":0.09409280189058998},{"text":"You're a little bit above medium in terms of risk and return.","start":816.31,"end":820.09,"sentiment":"neutral","sentiment_score":0.046255359426140785}],"sentiment":"neutral","sentiment_score":0.12392803902427356,"num_words":66,"start":796.445,"end":820.09},{"sentences":[{"text":"You're not high risk.","start":820.23004,"end":821.53,"sentiment":"neutral","sentiment_score":-0.05823856336064637},{"text":"So what that does, we're basically putting 80% of your money into growth assets, which is like shares company goal, 20% in the safest side of things, if that makes sense.","start":821.91003,"end":833.785,"sentiment":"positive","sentiment_score":0.3474382032309809},{"text":"Cool.","start":836.245,"end":836.745,"sentiment":"neutral","sentiment_score":0.03194695711135864},{"text":"Now what I can kind of see here is the very right hand column, it gives you percentage returns for all those options.","start":837.045,"end":844.95,"sentiment":"neutral","sentiment_score":0.11917241533165393},{"text":"Now when I look at the portfolio, what I basically gotta do is say, okay.","start":848.29004,"end":852.255,"sentiment":"neutral","sentiment_score":0.13409225593010585}],"sentiment":"neutral","sentiment_score":0.20705305939741633,"num_words":74,"start":820.23004,"end":852.255},{"sentences":[{"text":"If you're in a growth portfolio, we we kind of want the super growing at about 9% of the year as a bit of a benchmark.","start":852.415,"end":859.635,"sentiment":"neutral","sentiment_score":0.21472638644851172},{"text":"Does that make sense?","start":859.695,"end":860.675,"sentiment":"neutral","sentiment_score":0.12120283953845501},{"text":"So some years it goes up 15.","start":862.895,"end":865.395,"sentiment":"neutral","sentiment_score":0.040352284376110346},{"text":"Some years it goes down 8%, that kind of thing.","start":865.53503,"end":868.02,"sentiment":"neutral","sentiment_score":-0.08760958015918732},{"text":"You've still cleared 9.2% after fees since you've been on board.","start":868.82,"end":873.64,"sentiment":"neutral","sentiment_score":0.054516264322129165}],"sentiment":"neutral","sentiment_score":0.10471976728274904,"num_words":58,"start":852.415,"end":873.64},{"sentences":[{"text":"It's had a bit of an up and down.","start":874.10004,"end":875.7,"sentiment":"neutral","sentiment_score":-0.31245998707082534},{"text":"I don't know if you...","start":875.7,"end":876.5,"sentiment":"neutral","sentiment_score":-0.13218733072280883},{"text":"Do you log in to to look at your super every now and then?","start":876.5,"end":879.16003,"sentiment":"neutral","sentiment_score":-0.0049707042053341866},{"text":"So what's basically been happening is January to March, we had the war on Iran kickoff, and it stopped us.","start":885.625,"end":891.785,"sentiment":"neutral","sentiment_score":-0.16598205268383026},{"text":"It went down, then it went back up again, and then it's come down again last month.","start":891.785,"end":896.76,"sentiment":"neutral","sentiment_score":-0.1309809310033041}],"sentiment":"neutral","sentiment_score":-0.13983051195167578,"num_words":65,"start":874.10004,"end":896.76},{"sentences":[{"text":"Basically, your super went from 213,000 down to $20.02 and then back up to $2.27.","start":897.16003,"end":904.2,"sentiment":"neutral","sentiment_score":0.12592163272202014},{"text":"So it's kind of bounced back up into the positive this year.","start":904.2,"end":907.18,"sentiment":"positive","sentiment_score":0.4487195387482643},{"text":"Now it's only up a few percent because of those market drops.","start":909.375,"end":913.235,"sentiment":"neutral","sentiment_score":-0.14888315089046955},{"text":"Like I said, still going good since you've become a client about, but there's a couple of little points that I would like to address.","start":913.375,"end":920.275,"sentiment":"neutral","sentiment_score":0.11201655462384225},{"text":"The very top option and the very bottom option.","start":923.215,"end":926.39996,"sentiment":"neutral","sentiment_score":0.07634893763396475}],"sentiment":"neutral","sentiment_score":0.12293719793733669,"num_words":73,"start":897.16003,"end":926.39996},{"sentences":[{"text":"I don't know if you can make out those percentages, but they've got brackets around.","start":926.39996,"end":929.77997,"sentiment":"neutral","sentiment_score":0.028949781134724618},{"text":"Yes.","start":940.425,"end":940.745,"sentiment":"neutral","sentiment_score":0.09364736080169678},{"text":"Yes.","start":940.745,"end":941.145,"sentiment":"neutral","sentiment_score":0.13224434852600098},{"text":"That's the one.","start":941.145,"end":942.025,"sentiment":"neutral","sentiment_score":0.13979037602742514},{"text":"So that option at the top, that dropped 17%, and the property at the bottom dropped 15.","start":942.025,"end":949.805,"sentiment":"neutral","sentiment_score":0.032664729227476264}],"sentiment":"neutral","sentiment_score":0.04418405273778213,"num_words":37,"start":926.39996,"end":949.805},{"sentences":[{"text":"Everything else in the middle looks pretty well positive or double digit.","start":950.185,"end":953.805,"sentiment":"positive","sentiment_score":0.4066157514850299},{"text":"What that basically means is when the government came out with that capital gains tax negative gearing law, the property options dropped, and the Australian market's also been dropping for the rate rises and and fuel prices as well.","start":956.35004,"end":968.865,"sentiment":"neutral","sentiment_score":-0.21411193668460235},{"text":"So what I can do is while you're going through the the the job application, I can do a bit of a research on a couple of options to maybe switch out to those.","start":971.345,"end":981.36,"sentiment":"neutral","sentiment_score":0.07126632606720223},{"text":"We don't maybe have to overhaul everything.","start":981.92,"end":984.07996,"sentiment":"neutral","sentiment_score":-0.05609880414392267},{"text":"It could just be a bit of an engine tune up on just a couple of options.","start":984.07996,"end":987.3,"sentiment":"neutral","sentiment_score":0.0032581333070993423}],"sentiment":"neutral","sentiment_score":-0.012708484306247957,"num_words":109,"start":950.185,"end":987.3},{"sentences":[{"text":"Cool.","start":992.72,"end":993.22,"sentiment":"positive","sentiment_score":0.4324074983596802},{"text":"Would you be comfortable for me to kind of try and find some lower fee investments as as well, maybe go for a slightly different style?","start":993.27997,"end":999.405,"sentiment":"neutral","sentiment_score":0.23954753778301752},{"text":"Yeah.","start":1005.785,"end":1006.105,"sentiment":"neutral","sentiment_score":0.23008672893047333},{"text":"Absolutely.","start":1006.105,"end":1006.605,"sentiment":"neutral","sentiment_score":0.30313587188720703},{"text":"So what I'll do is we'll give you a call in a couple of weeks for the the other job plan.","start":1006.825,"end":1010.985,"sentiment":"neutral","sentiment_score":0.1290795544073695}],"sentiment":"neutral","sentiment_score":0.19809073448181153,"num_words":50,"start":992.72,"end":1010.985},{"sentences":[{"text":"That'll give me an indication for the income protection.","start":1010.985,"end":1013.82,"sentiment":"neutral","sentiment_score":0.07449618520008193},{"text":"In the interim, I'll get the team to to look at a couple of options to mix in.","start":1013.82,"end":1018.0,"sentiment":"neutral","sentiment_score":0.08538107242849138},{"text":"We've got a couple we have been researching as well.","start":1018.3,"end":1021.36,"sentiment":"neutral","sentiment_score":0.12675724774599076},{"text":"That should at least, while the world's on fire, at least maybe drop the fees a little bit and hopefully bump up the returns a little bit until things calm down.","start":1021.82,"end":1029.305,"sentiment":"neutral","sentiment_score":0.07529974806933634},{"text":"Cool.","start":1032.005,"end":1032.505,"sentiment":"neutral","sentiment_score":0.24087215960025787}],"sentiment":"neutral","sentiment_score":0.08768205503946629,"num_words":69,"start":1010.985,"end":1032.505},{"sentences":[{"text":"Does all that make sense so far?","start":1033.125,"end":1034.645,"sentiment":"neutral","sentiment_score":0.18128501517432077},{"text":"Any questions at the moment?","start":1034.645,"end":1036.025,"sentiment":"neutral","sentiment_score":0.04481865093111992},{"text":"Cool.","start":1039.6051,"end":1040.04,"sentiment":"neutral","sentiment_score":0.23637579381465912},{"text":"The last thing I'll ask you is when it comes to that risk profile I mentioned being broke, realistically, because you've got fifteen years into retirement, you've got the option either stay as you are and get as much growth as you can for, let's say, the next eight or nine years.","start":1040.68,"end":1058.145,"sentiment":"neutral","sentiment_score":-0.006328211398795247},{"text":"When you're close to retirement, we can reduce the risk down so you don't lose it all when you've been in 64.","start":1058.4451,"end":1064.0651,"sentiment":"neutral","sentiment_score":0.00803831724492325}],"sentiment":"neutral","sentiment_score":0.018129197026913364,"num_words":87,"start":1033.125,"end":1064.0651},{"sentences":[{"text":"Or you could kick it up into high growth if you really wanna try and increase the return, but that has increased the risk.","start":1064.925,"end":1071.51,"sentiment":"neutral","sentiment_score":-0.0680346932883064},{"text":"Cool.","start":1077.1699,"end":1077.49,"sentiment":"neutral","sentiment_score":0.0805719792842865},{"text":"We'll keep it as the growth profile, give it an engine sure enough, and we should be good for a while.","start":1077.49,"end":1082.15,"sentiment":"positive","sentiment_score":0.5201469872679029},{"text":"Awesome.","start":1084.6649,"end":1085.1649,"sentiment":"positive","sentiment_score":0.7452206611633301},{"text":"Now just for the rest of those documents that are in there, if you skip past to the next document, you'll see a big red Vanguard chart.","start":1085.225,"end":1091.8049,"sentiment":"neutral","sentiment_score":0.14708905970608746}],"sentiment":"neutral","sentiment_score":0.190370964138089,"num_words":74,"start":1064.925,"end":1091.8049},{"sentences":[{"text":"Yeah.","start":1097.5399,"end":1097.7,"sentiment":"neutral","sentiment_score":0.043865639716386795},{"text":"You may have seen this one a few times, but it basically just shows that if you factor in all of the stock market crashes and financial crises that happen, you can still get good returns long term as long as you've got enough time in the market.","start":1097.7,"end":1109.775,"sentiment":"neutral","sentiment_score":0.13470956042874604},{"text":"The next document there is your certificate of currency for the income protection.","start":1112.415,"end":1117.155,"sentiment":"neutral","sentiment_score":0.07775452733039856},{"text":"So that's just a validity certificate.","start":1120.495,"end":1122.3351,"sentiment":"neutral","sentiment_score":0.13923472414414087},{"text":"If anything happens, we can help you with the claim and claims advice as well.","start":1122.3351,"end":1126.93,"sentiment":"neutral","sentiment_score":0.2075995534658432}],"sentiment":"neutral","sentiment_score":0.1381943981017334,"num_words":83,"start":1097.5399,"end":1126.93},{"sentences":[{"text":"If you click on the next one, that is your life and disability.","start":1127.0701,"end":1130.6901,"sentiment":"neutral","sentiment_score":0.07353804489740959},{"text":"Yeah.","start":1146.685,"end":1146.925,"sentiment":"neutral","sentiment_score":0.011231793090701103},{"text":"Yep.","start":1146.925,"end":1147.2451,"sentiment":"neutral","sentiment_score":0.014777789823710918},{"text":"That's the next one.","start":1147.2451,"end":1148.4651,"sentiment":"neutral","sentiment_score":0.012222623685374856},{"text":"Now this one's got a few pages in it, but I just want you to...","start":1149.0851,"end":1152.98,"sentiment":"neutral","sentiment_score":0.009391057956963777}],"sentiment":"neutral","sentiment_score":0.03446354501990273,"num_words":34,"start":1127.0701,"end":1152.98},{"sentences":[{"text":"If you can scroll down.","start":1152.98,"end":1154.82,"sentiment":"neutral","sentiment_score":-0.006057124212384224},{"text":"I don't know if you can skip pages or scroll down for us.","start":1154.82,"end":1158.74,"sentiment":"neutral","sentiment_score":-0.0010191998802698576},{"text":"You'll see basically, like, our our values and pictures of the team and directors.","start":1158.74,"end":1163.5599,"sentiment":"neutral","sentiment_score":0.04737912863492966},{"text":"But when you get to about the thirteenth page, there'll be another blue document saying financial services guide about halfway down.","start":1164.6749,"end":1173.815,"sentiment":"neutral","sentiment_score":0.005694737258766379},{"text":"Yeah.","start":1181.32,"end":1181.72,"sentiment":"neutral","sentiment_score":0.01437884196639061}],"sentiment":"neutral","sentiment_score":0.013958164921927231,"num_words":54,"start":1152.98,"end":1181.72},{"sentences":[{"text":"About 13 on the software.","start":1181.72,"end":1183.34,"sentiment":"neutral","sentiment_score":0.019642069190740585},{"text":"It'll be kind of the fourteenth on the document.","start":1184.12,"end":1186.3,"sentiment":"neutral","sentiment_score":0.03741050076981386},{"text":"And you'll see, like, at the end, there's a big team photo, and then it'll go back to another blue document that that you picture straight after it.","start":1190.705,"end":1197.925,"sentiment":"neutral","sentiment_score":0.04739339463412762},{"text":"Cool.","start":1199.905,"end":1200.305,"sentiment":"neutral","sentiment_score":0.16323858499526978},{"text":"Now if you could just go down...","start":1200.305,"end":1201.925,"sentiment":"neutral","sentiment_score":0.025620666731681143}],"sentiment":"neutral","sentiment_score":0.04209006309509277,"num_words":50,"start":1181.72,"end":1201.925},{"sentences":[{"text":"Yep.","start":1202.625,"end":1203.125,"sentiment":"neutral","sentiment_score":0.013484438881278038},{"text":"Does it say financial services guide on it rather than overview services?","start":1203.185,"end":1211.34,"sentiment":"neutral","sentiment_score":-0.006010217669730385},{"text":"No.","start":1216.0399,"end":1216.2,"sentiment":"neutral","sentiment_score":-0.04708198830485344},{"text":"That's perfect.","start":1216.2,"end":1217.02,"sentiment":"positive","sentiment_score":0.8131158947944641},{"text":"So if you go one more page, you'll see a couple of tables there, And you should see individually coupled with some little tables of, like, a fee structure.","start":1217.4,"end":1228.825,"sentiment":"neutral","sentiment_score":0.09687596264070478}],"sentiment":"neutral","sentiment_score":0.09622032321575615,"num_words":45,"start":1202.625,"end":1228.825},{"sentences":[{"text":"It was the one after fees and charges before the associate.","start":1235.605,"end":1239.83,"sentiment":"neutral","sentiment_score":0.03240943649275736},{"text":"Oh, yes.","start":1244.61,"end":1245.51,"sentiment":"neutral","sentiment_score":0.07015222311019897},{"text":"Cool.","start":1246.6901,"end":1247.1901,"sentiment":"neutral","sentiment_score":0.27395951747894287},{"text":"And the last page...","start":1257.335,"end":1258.215,"sentiment":"neutral","sentiment_score":-0.0012610609410330653},{"text":"Let me just have a quick look.","start":1258.215,"end":1259.595,"sentiment":"neutral","sentiment_score":0.0030685526185802053}],"sentiment":"neutral","sentiment_score":0.03148813558742404,"num_words":25,"start":1235.605,"end":1259.595},{"sentences":[{"text":"Alright.","start":1265.095,"end":1265.575,"sentiment":"neutral","sentiment_score":0.01858934573829174},{"text":"That one.","start":1265.575,"end":1266.0549,"sentiment":"neutral","sentiment_score":0.003296657931059599},{"text":"Oh, sorry.","start":1266.0549,"end":1266.7949,"sentiment":"neutral","sentiment_score":-0.09024741128087044},{"text":"My computer's lagging now.","start":1266.855,"end":1268.475,"sentiment":"neutral","sentiment_score":-0.28422077000141144},{"text":"The...","start":1269.52,"end":1269.84,"sentiment":"neutral","sentiment_score":-0.08590196073055267}],"sentiment":"neutral","sentiment_score":-0.13780972016975285,"num_words":10,"start":1265.095,"end":1269.84},{"sentences":[{"text":"It says financial advice for everyday Australians on the last page, but that one says financial services guide.","start":1269.84,"end":1276.58,"sentiment":"neutral","sentiment_score":-0.025970193247000378},{"text":"It'd be...","start":1288.425,"end":1289.245,"sentiment":"neutral","sentiment_score":-0.08786002174019814},{"text":"Oh, yes.","start":1290.105,"end":1290.665,"sentiment":"neutral","sentiment_score":-0.08810131624341011},{"text":"So go backwards.","start":1290.665,"end":1291.5651,"sentiment":"neutral","sentiment_score":-0.1004341294368108},{"text":"I do apologize, sir.","start":1292.025,"end":1293.4651,"sentiment":"neutral","sentiment_score":-0.12565511651337147}],"sentiment":"neutral","sentiment_score":-0.05597617271645316,"num_words":29,"start":1269.84,"end":1293.4651},{"sentences":[{"text":"If you go back one to...","start":1293.4651,"end":1295.245,"sentiment":"neutral","sentiment_score":-0.03363651627053817},{"text":"Yeah.","start":1297.0651,"end":1297.385,"sentiment":"neutral","sentiment_score":-0.004544619470834732},{"text":"One to two pages, You'll see ongoing service fee with the individual clients in couple with a couple little pages in the middle.","start":1297.385,"end":1304.6901,"sentiment":"neutral","sentiment_score":0.006933559339655482},{"text":"There we go.","start":1312.27,"end":1313.25,"sentiment":"neutral","sentiment_score":0.011023888364434242},{"text":"So what I wanted to let you know here is that OPU has updated its fee structure as a business.","start":1315.895,"end":1322.155,"sentiment":"neutral","sentiment_score":0.12240791656076908}],"sentiment":"neutral","sentiment_score":0.0459309083778622,"num_words":53,"start":1293.4651,"end":1322.155},{"sentences":[{"text":"So previously, you were paying that 1.65% spread throughout the year, but we've added in some tier three discount.","start":1322.375,"end":1329.91,"sentiment":"neutral","sentiment_score":0.10419175166048501},{"text":"So, basically, everybody above $200,000 will start to get some discounted percentages, and then further discounts if you get 500,000 and million.","start":1332.6901,"end":1342.15,"sentiment":"neutral","sentiment_score":0.14280976456674663},{"text":"So what I've done is I've added in a service agreement and consent form for you if you're happy to receive that that discount and remain the client for that.","start":1342.485,"end":1352.1849,"sentiment":"neutral","sentiment_score":0.21680331205328304},{"text":"Perfect.","start":1355.205,"end":1355.705,"sentiment":"positive","sentiment_score":0.5232759714126587},{"text":"What it will do too is it'll kind of just do a bit of a flat fee so it doesn't follow your balance up as well, and that'll save you a bit more.","start":1356.4701,"end":1363.4501,"sentiment":"neutral","sentiment_score":0.21915295313705097}],"sentiment":"neutral","sentiment_score":0.18457981798620451,"num_words":105,"start":1322.375,"end":1363.4501},{"sentences":[{"text":"Is there a next document button there as well?","start":1364.0701,"end":1366.73,"sentiment":"neutral","sentiment_score":0.020752992894914415},{"text":"Cool.","start":1369.8301,"end":1370.15,"sentiment":"positive","sentiment_score":0.3695814609527588},{"text":"So you should go to the consent.","start":1370.15,"end":1380.155,"sentiment":"neutral","sentiment_score":0.07712173940879959},{"text":"Not free yet.","start":1380.215,"end":1381.195,"sentiment":"neutral","sentiment_score":-0.07399404297272365},{"text":"Not until we retire.","start":1381.495,"end":1382.5549,"sentiment":"neutral","sentiment_score":-0.053407346829771996}],"sentiment":"neutral","sentiment_score":0.027524960692971945,"num_words":24,"start":1364.0701,"end":1382.5549},{"sentences":[{"text":"But these are pretty much the last document.","start":1382.855,"end":1387.13,"sentiment":"neutral","sentiment_score":0.10369006637483835},{"text":"So if you are comfortable with the services, just have a pop on a signature at the bottom of that document, and then the last one will just be a tax file number opt in form.","start":1387.13,"end":1396.305,"sentiment":"neutral","sentiment_score":0.11098707601841953},{"text":"Yeah.","start":1414.1599,"end":1414.48,"sentiment":"neutral","sentiment_score":0.2150108814239502},{"text":"Hopefully, it's pretty user friendly.","start":1414.48,"end":1415.84,"sentiment":"positive","sentiment_score":0.47339115142822263},{"text":"It should just be a bit of a click and a stamp.","start":1415.84,"end":1417.94,"sentiment":"neutral","sentiment_score":0.3253319064776103}],"sentiment":"neutral","sentiment_score":0.18243556103158381,"num_words":62,"start":1382.855,"end":1417.94},{"sentences":[{"text":"Yeah.","start":1436.99,"end":1437.23,"sentiment":"neutral","sentiment_score":0.020111527293920517},{"text":"Today's date.","start":1437.23,"end":1438.21,"sentiment":"neutral","sentiment_score":0.02684067375957966},{"text":"Yep.","start":1438.91,"end":1439.3099,"sentiment":"neutral","sentiment_score":0.058272793889045715},{"text":"And then once you go to the next document, it'll take you to the last one.","start":1439.3099,"end":1443.1699,"sentiment":"neutral","sentiment_score":0.04892829852178693},{"text":"So this is pretty much whether you're consenting for us to still hold the tax file number.","start":1450.925,"end":1456.045,"sentiment":"neutral","sentiment_score":0.0564726558240021}],"sentiment":"neutral","sentiment_score":0.05067442146104735,"num_words":37,"start":1436.99,"end":1456.045},{"sentences":[{"text":"It's a very important number.","start":1456.045,"end":1457.505,"sentiment":"neutral","sentiment_score":0.12132658958435058},{"text":"Just need to make sure that you're still okay for us to hold on to it.","start":1457.565,"end":1464.3201,"sentiment":"neutral","sentiment_score":0.007983255665749311},{"text":"Yeah.","start":1464.3201,"end":1464.56,"sentiment":"neutral","sentiment_score":0.028885668143630028},{"text":"It's what we use to open up the accounts and insurances and super funds and all that stuff.","start":1464.56,"end":1468.88,"sentiment":"neutral","sentiment_score":0.056526330610116325},{"text":"Cool.","start":1468.88,"end":1469.38,"sentiment":"neutral","sentiment_score":0.1741495132446289}],"sentiment":"neutral","sentiment_score":0.04767985782790475,"num_words":41,"start":1456.045,"end":1469.38},{"sentences":[{"text":"Yep.","start":1474.1549,"end":1474.5549,"sentiment":"neutral","sentiment_score":0.17225782573223114},{"text":"That'll come back through to us.","start":1474.5549,"end":1476.7949,"sentiment":"neutral","sentiment_score":0.2449673886100451},{"text":"You'll get a signed copy as well.","start":1476.7949,"end":1478.575,"sentiment":"neutral","sentiment_score":0.23644177402768815},{"text":"If you ever need one, you can let us know, but it does give you options to download it, and that has come back signed.","start":1479.0349,"end":1485.355,"sentiment":"neutral","sentiment_score":0.2763757759332657},{"text":"Thank you very much for that, Joe.","start":1485.355,"end":1486.86,"sentiment":"positive","sentiment_score":0.710762517792838}],"sentiment":"neutral","sentiment_score":0.33004101301017014,"num_words":46,"start":1474.1549,"end":1486.86},{"sentences":[{"text":"So, basically, from here, I will get the team to double check those insurance beneficiaries for you.","start":1489.82,"end":1496.4,"sentiment":"neutral","sentiment_score":0.23126353586421294},{"text":"We'll give you a buzz in a couple of weeks to follow-up on how the job hunting went, and then we'll get you booked in to go through the updated investments you may after that.","start":1496.62,"end":1508.1151,"sentiment":"neutral","sentiment_score":0.21396701123033252},{"text":"Perfect.","start":1508.1151,"end":1508.5951,"sentiment":"positive","sentiment_score":0.7637511491775513},{"text":"Any questions for me before I let you go?","start":1508.5951,"end":1510.6151,"sentiment":"neutral","sentiment_score":0.2456154301762581},{"text":"Awesome.","start":1514.2001,"end":1514.6001,"sentiment":"positive","sentiment_score":0.7692524194717407}],"sentiment":"neutral","sentiment_score":0.24069631655537893,"num_words":63,"start":1489.82,"end":1514.6001},{"sentences":[{"text":"Thank you so much again for calling back in, and I'll talk to you in a few weeks.","start":1514.6001,"end":1518.6201,"sentiment":"positive","sentiment_score":0.6017618295219209},{"text":"Thanks, Joe.","start":1522.52,"end":1523.16,"sentiment":"positive","sentiment_score":0.6997079253196716},{"text":"See you later.","start":1523.16,"end":1523.9801,"sentiment":"positive","sentiment_score":0.5687289237976074}],"sentiment":"positive","sentiment_score":0.6059702414533367,"num_words":23,"start":1514.6001,"end":1523.9801}]}}]},{"alternatives":[{"transcript":"Hello? Hello, Tommy? Can you hear me? Hello? Okay. Oh, Tommy. I I was just talking. I couldn't hear you. It's Michelle, obviously. I have got Joanna on I've got Joanna on the phone. Are you able to take her call? Okay. I'm just gonna merge the calls. I won't do a soft handover. The next voice you'll hear will be... Well, it'll be you talking to her. Okay. Here you go. Thank you. I'm alright. How are you? That's alright. Yeah. You can do both if you want. Did you say you're sending it or you've sent it? Yeah. Yep. Yep. That's good. No. No. Just the normal stuff, I guess. Just nothing's really changed. Yeah. Yeah. Yep. Yeah. That... That's good. Yeah. That... Yeah. That... Yeah. No. No. No. I haven't, actually. It's it's hard. Yeah. Yes. Alright. Cool. Yep. Yeah. That's... Yep. That's correct. My annual income with Exactors? No. Not with the Exact. It will... It's 68. Yeah. Because Rexel, that was a project project's job where Exact Cleaning is more sales support and front desk administration work. Yeah. All office based. I have... I'm real... Not really. Yeah. Nah. No. I'm just doing... I just own my car. Which what? Sorry. Oh, yeah. I did look into that, but I haven't actually done anything because I think I couldn't put my nephew as a, like... Yeah. For him to have my stuff or whatever because he's my nephew, not... Has to be a partner or something like that or a parent. That's my... Yeah. Yeah. Yeah. Yes. So that's as far as I've gotten. I didn't actually put anything on paper. Yeah. Yeah. Yeah. Yeah. That'll be that'll be good. Yeah. Yeah. Alright. Cool. Yeah. I don't know if... Yeah. Mate... Yeah. Maybe do check that because I don't know about if we did do that or we're gonna do that last time. Cool. Yep. Yeah. What do I click on? Because the other... There's no attachment to the one that you sent me. Oh, okay. Yep. Cool. I've just pressed on it now. Oh, yeah. Yep. I've got the summary of superannuation insurance, the twenty eighth, the twenty sixth, hub, and direct. Yep. Yeah. No. That that should be alright. Yep. Oh, okay. So... Yeah. I think so. Yeah. Yeah. Yep. Oh, okay. Yeah. Yeah. I get it. Okay. Yep. Funny you say that. I didn't get it off a a job offer yesterday. Absolutely. Heaps more. I'm hoping, but, yeah, I've gotta call them back. I'm gonna call them tomorrow and find out a bit more about it. Yeah. Maybe that'll be easier because, yeah, it's not not set in stone yet. Okay. Yep. Yes. Yeah. For smoke... Like, if I'm gonna give up smoking? I'm sorry. But... No. And I'm I'm still smoking, and I probably won't plan on not smoking depending on what happens with the pricing if it goes up anymore. Yeah. Yes. Okay. Yep. Oh, yep. Enlarge it a bit. I'm on my phone, so I'm just trying to enlarge our performance with IRA, is it? Yes. Okay. Yes. Yes. Oh, yeah. Yeah. I haven't lately, actually, but I I was previously. Yes. Yeah. Yeah. Okay. Yeah. The... Oh, very top of... Oh, yeah. Very top. The 17... What is it? Four nine. Point two six. Yep. Yep. Yep. Whatever you think. Yeah. Yeah. What... Yeah. Whatever gives me the best outcome. Yes. Yep. Alright. As much as I understand it. Yeah. Mhmm. Yes. No. I'm happy to stay where I am. Alright. Cool. So next document. Oh, yep. Yes. Yes. I've got the certificate of currency, and then you said next document. Oh, is that the the blue one? I view service guide one? Yeah. The... Yeah. I reckon I can... I'll just... I've just zoomed in to see the page numbers. So 13, did you say? Paying charges. I've gone too far, paying charges? Individual clients? I just hit the financial advice. I reckon that you've talked to before. Oh, well, let me get it. What what... Oh, so that's the last page, the financial advice. I'm on the last page. Yeah. What is that? Oh, about... Oh, it's been a challenge. Is that what you just said? Yep. Oh, yeah. Yeah. Yeah. It's individual client ongoing, and then it's got the couple. Yeah. Mhmm. Yep. Yes. Yep. Yep. Yep. Brings me on. Yeah. Consent, and I'm going free... Not free. Free arrangement. Free. Free. Okay. And it says sign the lawyer. Wherever I will find it. Signatures here. So I can just click on that and add my. Let's go. So once I've signed it... Oh, what's the date? Yep. That's the right date. Date of birth. Oh, is it my date of... No. It's the... Oh, no. The date's gone on there. So it's just signing it and date. Yeah. That's it. You were holding on to it beforehand? Yeah. Yes. Just click validate on the...... One. Yep. Alright. Yep. Yep. Alright. Sounds good. No. I'm I'm all good. Thank you. That's it. Okay. Cool. No worries. Thanks, Tommy. Bye bye.","confidence":0.97802734,"words":[{"word":"hello","start":4.96,"end":5.2799997,"confidence":0.8901367,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.0009998022578656671},{"word":"hello","start":5.2799997,"end":5.7799997,"confidence":0.986084,"punctuated_word":"Hello,","sentiment":"neutral","sentiment_score":-0.0004565361887216568},{"word":"tommy","start":5.8399997,"end":6.24,"confidence":0.75146484,"punctuated_word":"Tommy?","sentiment":"neutral","sentiment_score":-0.004060852341353893},{"word":"can","start":6.24,"end":6.3999996,"confidence":1.0,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.01910668238997459},{"word":"you","start":6.3999996,"end":6.56,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.017429720610380173},{"word":"hear","start":6.56,"end":6.72,"confidence":1.0,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.013317481614649296},{"word":"me","start":6.72,"end":7.22,"confidence":1.0,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":-0.009995014406740664},{"word":"hello","start":10.719999,"end":11.219999,"confidence":0.99853516,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":-0.005215173587203026},{"word":"okay","start":14.0,"end":14.445,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0018297252245247364},{"word":"oh","start":15.724999,"end":16.205,"confidence":0.9838867,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.010545535944402218},{"word":"tommy","start":16.205,"end":16.705,"confidence":0.81152344,"punctuated_word":"Tommy.","sentiment":"neutral","sentiment_score":-0.01185034029185772},{"word":"i","start":16.765,"end":17.164999,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04628912732005119},{"word":"i","start":17.164999,"end":17.404999,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.061869893223047256},{"word":"was","start":17.404999,"end":17.645,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.06337755173444748},{"word":"just","start":17.645,"end":17.965,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06664382666349411},{"word":"talking","start":17.965,"end":18.365,"confidence":0.99560547,"punctuated_word":"talking.","sentiment":"neutral","sentiment_score":-0.05771975591778755},{"word":"i","start":18.365,"end":18.525,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13668622076511383},{"word":"couldn't","start":18.525,"end":18.765,"confidence":0.99902344,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.144429549574852},{"word":"hear","start":18.765,"end":19.005,"confidence":0.99902344,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.119948647916317},{"word":"you","start":19.005,"end":19.404999,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.12308494746685028},{"word":"it's","start":19.404999,"end":19.724998,"confidence":0.99658203,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.025379613041877747},{"word":"michelle","start":19.724998,"end":20.205,"confidence":0.96191406,"punctuated_word":"Michelle,","sentiment":"neutral","sentiment_score":-0.015568486414849758},{"word":"obviously","start":20.205,"end":20.705,"confidence":1.0,"punctuated_word":"obviously.","sentiment":"neutral","sentiment_score":-0.015553634613752363},{"word":"i","start":21.324999,"end":21.564999,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.004549718461930752},{"word":"have","start":21.564999,"end":21.885,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.001979717053472996},{"word":"got","start":21.885,"end":22.205,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.004796345718204975},{"word":"joanna","start":22.205,"end":22.705,"confidence":0.9692383,"punctuated_word":"Joanna","sentiment":"neutral","sentiment_score":-0.005999527871608734},{"word":"on","start":22.845,"end":23.345,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.004126483574509621},{"word":"i've","start":23.404999,"end":23.724998,"confidence":0.8269043,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.004144428297877312},{"word":"got","start":23.724998,"end":23.884998,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0038940124213695526},{"word":"joanna","start":23.884998,"end":24.384998,"confidence":0.9995117,"punctuated_word":"Joanna","sentiment":"neutral","sentiment_score":-0.0027971910312771797},{"word":"on","start":24.445,"end":24.605,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0029990244656801224},{"word":"the","start":24.605,"end":24.765,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00024846848100423813},{"word":"phone","start":24.765,"end":25.265,"confidence":1.0,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":-0.006695430260151625},{"word":"are","start":25.325,"end":25.564999,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.0016955910250544548},{"word":"you","start":25.564999,"end":25.724998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0019772090017795563},{"word":"able","start":25.724998,"end":26.224998,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.001465178094804287},{"word":"to","start":26.365,"end":26.765,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0014555668458342552},{"word":"take","start":26.765,"end":27.005,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.00045631173998117447},{"word":"her","start":27.005,"end":27.24,"confidence":0.9790039,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.001397336833178997},{"word":"call","start":32.28,"end":32.78,"confidence":1.0,"punctuated_word":"call?","sentiment":"neutral","sentiment_score":0.014725940302014353},{"word":"okay","start":32.84,"end":33.34,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0029254890978336334},{"word":"i'm","start":33.4,"end":33.72,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.002920986618846655},{"word":"just","start":33.72,"end":34.04,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.003302592784166336},{"word":"gonna","start":34.04,"end":34.54,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0001498842611908913},{"word":"merge","start":34.76,"end":35.16,"confidence":0.84814453,"punctuated_word":"merge","sentiment":"neutral","sentiment_score":-0.0014385394752025604},{"word":"the","start":35.16,"end":35.32,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0002622101455926895},{"word":"calls","start":35.32,"end":35.82,"confidence":0.99560547,"punctuated_word":"calls.","sentiment":"neutral","sentiment_score":-0.002874382771551609},{"word":"i","start":35.879997,"end":36.04,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.026906698942184448},{"word":"won't","start":36.04,"end":36.36,"confidence":0.9980469,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.02040872722864151},{"word":"do","start":36.36,"end":36.52,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.02298153191804886},{"word":"a","start":36.52,"end":36.68,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02500665932893753},{"word":"soft","start":36.68,"end":37.0,"confidence":1.0,"punctuated_word":"soft","sentiment":"neutral","sentiment_score":-0.033827099949121475},{"word":"handover","start":37.0,"end":37.5,"confidence":0.95996094,"punctuated_word":"handover.","sentiment":"neutral","sentiment_score":-0.019128043204545975},{"word":"the","start":37.72,"end":37.879997,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.012688906863331796},{"word":"next","start":37.879997,"end":38.2,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.0051033757627010345},{"word":"voice","start":38.2,"end":38.44,"confidence":0.9921875,"punctuated_word":"voice","sentiment":"neutral","sentiment_score":-0.01423618569970131},{"word":"you'll","start":38.44,"end":38.68,"confidence":0.9880371,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":-0.009931161999702454},{"word":"hear","start":38.68,"end":38.84,"confidence":0.9970703,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.008763284422457218},{"word":"will","start":38.84,"end":39.08,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.005978621542453766},{"word":"be","start":39.08,"end":39.32,"confidence":1.0,"punctuated_word":"be...","sentiment":"neutral","sentiment_score":-0.0040908739902079105},{"word":"well","start":39.32,"end":39.72,"confidence":0.99902344,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.0011731544509530067},{"word":"it'll","start":39.72,"end":39.96,"confidence":0.9975586,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.005414413288235664},{"word":"be","start":39.96,"end":40.12,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.006755359470844269},{"word":"you","start":40.12,"end":40.28,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0013998458161950111},{"word":"talking","start":40.28,"end":40.6,"confidence":0.9980469,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.007412581704556942},{"word":"to","start":40.6,"end":40.76,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.007486255839467049},{"word":"her","start":40.76,"end":41.145,"confidence":1.0,"punctuated_word":"her.","sentiment":"neutral","sentiment_score":0.012891684658825396},{"word":"okay","start":41.385002,"end":41.625,"confidence":0.9807129,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05616328865289688},{"word":"here","start":41.625,"end":41.745003,"confidence":1.0,"punctuated_word":"Here","sentiment":"neutral","sentiment_score":0.06548904627561569},{"word":"you","start":41.745003,"end":41.865,"confidence":0.9838867,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07051075994968414},{"word":"go","start":41.865,"end":42.265,"confidence":1.0,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.12124057114124298},{"word":"thank","start":42.265,"end":42.505,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.39376065135002136},{"word":"you","start":42.505,"end":43.005,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3648167848587036},{"word":"i'm","start":50.985,"end":51.225,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.20322680473327637},{"word":"alright","start":51.225,"end":51.545,"confidence":0.99658203,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.20586729049682617},{"word":"how","start":51.545,"end":51.785,"confidence":0.99609375,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.19136278331279755},{"word":"are","start":51.785,"end":51.864998,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.20238827168941495},{"word":"you","start":51.864998,"end":52.364998,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.24290916323661804},{"word":"that's","start":56.510002,"end":56.83,"confidence":0.982666,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.44723474979400635},{"word":"alright","start":56.83,"end":57.33,"confidence":0.9970703,"punctuated_word":"alright.","sentiment":"positive","sentiment_score":0.4444460868835449},{"word":"yeah","start":74.935005,"end":75.415,"confidence":0.9260254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04557229205965996},{"word":"you","start":75.415,"end":75.495,"confidence":0.9560547,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.03938549757003784},{"word":"can","start":75.495,"end":75.735,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.041251134127378464},{"word":"do","start":75.735,"end":75.895004,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.034483402967453},{"word":"both","start":75.895004,"end":76.215004,"confidence":0.9980469,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.03525169938802719},{"word":"if","start":76.215004,"end":76.375,"confidence":0.92578125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05305962264537811},{"word":"you","start":76.375,"end":76.455,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05176422744989395},{"word":"want","start":76.455,"end":76.775,"confidence":0.9951172,"punctuated_word":"want.","sentiment":"neutral","sentiment_score":0.05452662706375122},{"word":"did","start":76.775,"end":76.935005,"confidence":0.99902344,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.011940181255340576},{"word":"you","start":76.935005,"end":77.015,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01622188091278076},{"word":"say","start":77.015,"end":77.255005,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.012243565171957016},{"word":"you're","start":77.255005,"end":77.495,"confidence":0.9133301,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.01750493049621582},{"word":"sending","start":77.495,"end":77.815,"confidence":0.9980469,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":0.015512241050601006},{"word":"it","start":77.815,"end":77.975006,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.016008349135518074},{"word":"or","start":77.975006,"end":78.135,"confidence":0.67285156,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.014923280104994774},{"word":"you've","start":78.135,"end":78.455,"confidence":0.8828125,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.020834017544984818},{"word":"sent","start":78.455,"end":78.69501,"confidence":0.99902344,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.0188058540225029},{"word":"it","start":78.69501,"end":79.19501,"confidence":0.9941406,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.028956687077879906},{"word":"yeah","start":87.079994,"end":87.579994,"confidence":0.82299805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02494187653064728},{"word":"yep","start":90.84,"end":91.159996,"confidence":0.7775879,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08801524341106415},{"word":"yep","start":91.159996,"end":91.399994,"confidence":0.87646484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1310390830039978},{"word":"that's","start":91.399994,"end":91.71999,"confidence":0.98999023,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.335021436214447},{"word":"good","start":91.71999,"end":92.21999,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4001181721687317},{"word":"no","start":100.59499,"end":101.09499,"confidence":0.81152344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09555516391992568},{"word":"no","start":101.155,"end":101.395,"confidence":0.9753418,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09958477318286896},{"word":"just","start":101.395,"end":101.875,"confidence":0.93408203,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.0930071547627449},{"word":"the","start":101.875,"end":102.034996,"confidence":0.3293457,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08718355745077133},{"word":"normal","start":102.034996,"end":102.534996,"confidence":0.7626953,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":-0.11193466931581496},{"word":"stuff","start":103.395,"end":103.715,"confidence":0.94091797,"punctuated_word":"stuff,","sentiment":"neutral","sentiment_score":-0.09753403812646866},{"word":"i","start":103.715,"end":103.875,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11072446405887604},{"word":"guess","start":103.875,"end":104.274994,"confidence":0.9501953,"punctuated_word":"guess.","sentiment":"neutral","sentiment_score":-0.09513075649738312},{"word":"just","start":104.274994,"end":104.755,"confidence":0.9970703,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.08304533362388611},{"word":"nothing's","start":104.755,"end":105.155,"confidence":0.8562012,"punctuated_word":"nothing's","sentiment":"neutral","sentiment_score":-0.09973587840795516},{"word":"really","start":105.155,"end":105.55499,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.10352349281311037},{"word":"changed","start":105.55499,"end":106.05499,"confidence":0.93310547,"punctuated_word":"changed.","sentiment":"neutral","sentiment_score":-0.1210135668516159},{"word":"yeah","start":109.795,"end":110.19499,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05169699341058731},{"word":"yeah","start":110.19499,"end":110.69499,"confidence":0.9748535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1162026971578598},{"word":"yep","start":122.43,"end":122.91,"confidence":0.79589844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06720372289419174},{"word":"yeah","start":122.91,"end":123.23,"confidence":0.75219727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08442467451095581},{"word":"that","start":123.23,"end":123.55,"confidence":0.9707031,"punctuated_word":"That...","sentiment":"neutral","sentiment_score":0.0915481448173523},{"word":"that's","start":123.55,"end":123.87,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.3045731782913208},{"word":"good","start":123.87,"end":124.305,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.19193585216999057},{"word":"yeah","start":148.88,"end":149.12001,"confidence":0.7524414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028014719486236572},{"word":"that","start":149.12001,"end":149.36,"confidence":0.4321289,"punctuated_word":"That...","sentiment":"neutral","sentiment_score":0.01860850490629673},{"word":"yeah","start":149.36,"end":149.68001,"confidence":0.78027344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02280401811003685},{"word":"that","start":149.68001,"end":150.0,"confidence":0.6152344,"punctuated_word":"That...","sentiment":"neutral","sentiment_score":0.02537761814892292},{"word":"yeah","start":150.0,"end":150.5,"confidence":0.8300781,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08644881844520569},{"word":"no","start":158.355,"end":158.855,"confidence":0.79248047,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.196909561753273},{"word":"no","start":158.915,"end":159.415,"confidence":0.921875,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.23491349816322327},{"word":"no","start":160.435,"end":160.83499,"confidence":0.829834,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2917627990245819},{"word":"i","start":160.83499,"end":161.075,"confidence":0.92578125,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3382580876350403},{"word":"haven't","start":161.075,"end":161.39499,"confidence":0.85286456,"punctuated_word":"haven't,","sentiment":"neutral","sentiment_score":-0.31448894739151},{"word":"actually","start":161.39499,"end":161.89499,"confidence":0.9995117,"punctuated_word":"actually.","sentiment":"neutral","sentiment_score":-0.3272242546081543},{"word":"it's","start":163.075,"end":163.47499,"confidence":0.79467773,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.3603216111660004},{"word":"it's","start":163.47499,"end":163.795,"confidence":0.9885254,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.39601433277130127},{"word":"hard","start":163.795,"end":164.295,"confidence":0.99658203,"punctuated_word":"hard.","sentiment":"negative","sentiment_score":-0.3836151361465454},{"word":"yeah","start":166.32,"end":166.82,"confidence":0.73095703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.043594926595687866},{"word":"yes","start":180.08,"end":180.16,"confidence":0.6895752,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1603095531463623},{"word":"alright","start":180.16,"end":180.64001,"confidence":0.99560547,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.2902147173881531},{"word":"cool","start":180.64001,"end":181.14001,"confidence":0.9995117,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4620400965213776},{"word":"yep","start":191.595,"end":192.095,"confidence":0.8901367,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06510286778211594},{"word":"yeah","start":196.15001,"end":196.39,"confidence":0.7805176,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.030246328562498093},{"word":"that's","start":196.39,"end":196.71,"confidence":0.9941406,"punctuated_word":"That's...","sentiment":"neutral","sentiment_score":0.02748974971473217},{"word":"yep","start":196.71,"end":197.03,"confidence":0.83951825,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06298540532588959},{"word":"that's","start":197.03,"end":197.35,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10122434794902802},{"word":"correct","start":197.35,"end":197.85,"confidence":1.0,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.13924580812454224},{"word":"my","start":205.75,"end":206.07,"confidence":0.9550781,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.007934948429465294},{"word":"annual","start":206.07,"end":206.57,"confidence":0.9902344,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.01949475519359112},{"word":"income","start":206.63,"end":207.13,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.020053667947649956},{"word":"with","start":207.19,"end":207.69,"confidence":0.9658203,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.016855865716934204},{"word":"exactors","start":207.91,"end":208.41,"confidence":0.7001343,"punctuated_word":"Exactors?","sentiment":"neutral","sentiment_score":0.022755734622478485},{"word":"no","start":215.485,"end":215.80501,"confidence":0.8874512,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08808452636003494},{"word":"not","start":215.80501,"end":216.125,"confidence":0.9951172,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.08741287142038345},{"word":"with","start":216.125,"end":216.445,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.06951814144849777},{"word":"the","start":216.445,"end":216.765,"confidence":0.7685547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0636434555053711},{"word":"exact","start":216.765,"end":217.265,"confidence":0.9477539,"punctuated_word":"Exact.","sentiment":"neutral","sentiment_score":-0.0625402182340622},{"word":"it","start":218.205,"end":218.445,"confidence":0.9790039,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.07218847423791885},{"word":"will","start":218.445,"end":218.765,"confidence":0.4482422,"punctuated_word":"will...","sentiment":"neutral","sentiment_score":-0.05760670453310013},{"word":"it's","start":218.765,"end":219.265,"confidence":0.99560547,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.02079458348453045},{"word":"68","start":220.045,"end":220.95,"confidence":0.9777832,"punctuated_word":"68.","sentiment":"neutral","sentiment_score":-0.01724652759730816},{"word":"yeah","start":234.805,"end":235.125,"confidence":0.86621094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.004552247002720833},{"word":"because","start":235.125,"end":235.44499,"confidence":0.9614258,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.013168223202228546},{"word":"rexel","start":235.44499,"end":235.94499,"confidence":0.7639974,"punctuated_word":"Rexel,","sentiment":"neutral","sentiment_score":-0.01440922450274229},{"word":"that","start":236.405,"end":236.64499,"confidence":0.6748047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01595814898610115},{"word":"was","start":236.64499,"end":236.885,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.024798113852739338},{"word":"a","start":236.885,"end":237.045,"confidence":0.8959961,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.012741634622216225},{"word":"project","start":237.045,"end":237.545,"confidence":0.9980469,"punctuated_word":"project","sentiment":"neutral","sentiment_score":0.00011927634477615356},{"word":"project's","start":238.405,"end":238.905,"confidence":0.5083008,"punctuated_word":"project's","sentiment":"neutral","sentiment_score":-0.004537314176559448},{"word":"job","start":239.685,"end":240.185,"confidence":0.97802734,"punctuated_word":"job","sentiment":"neutral","sentiment_score":-0.022293299436569217},{"word":"where","start":240.64499,"end":241.14499,"confidence":0.69628906,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.0003321804106235504},{"word":"exact","start":241.44499,"end":241.765,"confidence":0.73876953,"punctuated_word":"Exact","sentiment":"neutral","sentiment_score":0.04312075674533844},{"word":"cleaning","start":241.765,"end":242.265,"confidence":0.8352051,"punctuated_word":"Cleaning","sentiment":"neutral","sentiment_score":0.0655340701341629},{"word":"is","start":242.48499,"end":242.805,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.024475108832120895},{"word":"more","start":242.805,"end":243.305,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0021414607763290405},{"word":"sales","start":243.525,"end":243.92499,"confidence":0.7661133,"punctuated_word":"sales","sentiment":"neutral","sentiment_score":0.036989353597164154},{"word":"support","start":243.92499,"end":244.42499,"confidence":0.9482422,"punctuated_word":"support","sentiment":"neutral","sentiment_score":0.048464663326740265},{"word":"and","start":244.965,"end":245.20499,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.032314520329236984},{"word":"front","start":245.20499,"end":245.525,"confidence":0.9970703,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.03223298862576485},{"word":"desk","start":245.525,"end":246.025,"confidence":0.9980469,"punctuated_word":"desk","sentiment":"neutral","sentiment_score":0.031199343502521515},{"word":"administration","start":247.45999,"end":247.95999,"confidence":0.9892578,"punctuated_word":"administration","sentiment":"neutral","sentiment_score":0.04744274914264679},{"word":"work","start":254.57999,"end":255.07999,"confidence":0.91674805,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.17326483130455017},{"word":"yeah","start":255.37999,"end":255.87999,"confidence":0.81933594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15708759427070618},{"word":"all","start":255.93999,"end":256.25998,"confidence":0.9667969,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.11358518898487092},{"word":"office","start":256.25998,"end":256.74,"confidence":0.7133789,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.1388268917798996},{"word":"based","start":256.74,"end":257.24,"confidence":0.9584961,"punctuated_word":"based.","sentiment":"neutral","sentiment_score":0.18379589915275577},{"word":"i","start":270.495,"end":270.57498,"confidence":0.38427734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04208127409219742},{"word":"have","start":270.57498,"end":270.975,"confidence":0.38378906,"punctuated_word":"have...","sentiment":"neutral","sentiment_score":-0.0575251467525959},{"word":"i'm","start":270.975,"end":271.215,"confidence":0.8234863,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06771177053451538},{"word":"real","start":271.215,"end":271.695,"confidence":0.8100586,"punctuated_word":"real...","sentiment":"neutral","sentiment_score":-0.06276623904705048},{"word":"not","start":271.695,"end":271.935,"confidence":0.9980469,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.2790340185165405},{"word":"really","start":271.935,"end":272.435,"confidence":0.9807129,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.2502368986606598},{"word":"yeah","start":284.34,"end":284.84,"confidence":0.796875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07619429379701614},{"word":"nah","start":298.48502,"end":298.98502,"confidence":0.7194824,"punctuated_word":"Nah.","sentiment":"neutral","sentiment_score":-0.04659578949213028},{"word":"no","start":299.24,"end":299.32,"confidence":0.798584,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11420559883117676},{"word":"i'm","start":299.32,"end":299.48,"confidence":0.8730469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.11202426999807358},{"word":"just","start":299.48,"end":299.64,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1517525315284729},{"word":"doing","start":299.64,"end":300.04,"confidence":0.3203125,"punctuated_word":"doing...","sentiment":"neutral","sentiment_score":-0.14772427082061768},{"word":"i","start":300.04,"end":300.2,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1769951432943344},{"word":"just","start":300.2,"end":300.44,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.16011229157447815},{"word":"own","start":300.44,"end":300.68,"confidence":0.9873047,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.20808830857276917},{"word":"my","start":300.68,"end":300.84,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.21029648184776303},{"word":"car","start":300.84,"end":301.34,"confidence":0.97753906,"punctuated_word":"car.","sentiment":"neutral","sentiment_score":-0.11571164429187776},{"word":"which","start":313.72,"end":314.04,"confidence":0.60546875,"punctuated_word":"Which","sentiment":"neutral","sentiment_score":-0.04698213189840317},{"word":"what","start":314.04,"end":314.28,"confidence":0.845459,"punctuated_word":"what?","sentiment":"neutral","sentiment_score":-0.03814037889242172},{"word":"sorry","start":314.28,"end":314.745,"confidence":0.83935547,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.05989638715982437},{"word":"oh","start":318.905,"end":319.065,"confidence":0.8796387,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.03131607919931412},{"word":"yeah","start":319.065,"end":319.305,"confidence":0.9814453,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.03276992589235306},{"word":"i","start":319.305,"end":319.54498,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03684739023447037},{"word":"did","start":319.54498,"end":319.705,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.02656036615371704},{"word":"look","start":319.705,"end":319.945,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.04288608580827713},{"word":"into","start":319.945,"end":320.26498,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.043257422745227814},{"word":"that","start":320.26498,"end":320.76498,"confidence":0.8701172,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.059236302971839905},{"word":"but","start":322.505,"end":322.745,"confidence":0.73339844,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0702442154288292},{"word":"i","start":322.745,"end":322.985,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10128334164619446},{"word":"haven't","start":322.985,"end":323.465,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.10053061693906784},{"word":"actually","start":323.465,"end":323.945,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.10236908495426178},{"word":"done","start":323.945,"end":324.10498,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.1385488659143448},{"word":"anything","start":324.10498,"end":324.505,"confidence":0.8803711,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.11158984154462814},{"word":"because","start":324.505,"end":325.005,"confidence":0.8881836,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.14433573186397552},{"word":"i","start":325.065,"end":325.225,"confidence":0.95947266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11934573948383333},{"word":"think","start":325.225,"end":325.625,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.12310661375522614},{"word":"i","start":325.625,"end":325.865,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13027159869670868},{"word":"couldn't","start":325.865,"end":326.365,"confidence":1.0,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.13771957159042358},{"word":"put","start":326.505,"end":326.905,"confidence":0.9970703,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.10339488089084624},{"word":"my","start":326.905,"end":327.405,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.13775038719177246},{"word":"nephew","start":327.865,"end":328.365,"confidence":0.9550781,"punctuated_word":"nephew","sentiment":"neutral","sentiment_score":-0.115092933177948},{"word":"as","start":331.35,"end":331.51,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.13288046419620514},{"word":"a","start":331.51,"end":332.01,"confidence":0.8156738,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":-0.1045747846364975},{"word":"like","start":332.23,"end":332.73,"confidence":0.94140625,"punctuated_word":"like...","sentiment":"neutral","sentiment_score":-0.06188414990901947},{"word":"yeah","start":335.11002,"end":335.61002,"confidence":0.88842773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04117316007614136},{"word":"for","start":335.99002,"end":336.23,"confidence":0.9873047,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.06640481948852539},{"word":"him","start":336.23,"end":336.47,"confidence":1.0,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.049582093954086304},{"word":"to","start":336.47,"end":336.63,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05598454177379608},{"word":"have","start":336.63,"end":336.87003,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.045110344886779785},{"word":"my","start":336.87003,"end":337.03,"confidence":0.9316406,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.061539240181446075},{"word":"stuff","start":337.03,"end":337.27002,"confidence":0.99121094,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.061245180666446686},{"word":"or","start":337.27002,"end":337.43002,"confidence":0.97802734,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05909612402319908},{"word":"whatever","start":337.43002,"end":337.83002,"confidence":0.99902344,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":-0.06912952661514282},{"word":"because","start":337.83002,"end":338.15002,"confidence":0.8833008,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0531269945204258},{"word":"he's","start":338.15002,"end":338.55002,"confidence":0.9926758,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.05849963426589966},{"word":"my","start":338.55002,"end":338.71002,"confidence":0.9633789,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.06006215512752533},{"word":"nephew","start":338.71002,"end":339.19,"confidence":0.7463379,"punctuated_word":"nephew,","sentiment":"neutral","sentiment_score":-0.056017063558101654},{"word":"not","start":339.19,"end":339.51,"confidence":0.7338867,"punctuated_word":"not...","sentiment":"neutral","sentiment_score":-0.04561293125152588},{"word":"has","start":339.51,"end":339.75,"confidence":0.5102539,"punctuated_word":"Has","sentiment":"neutral","sentiment_score":-0.04169956594705582},{"word":"to","start":339.75,"end":339.83002,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04224649071693421},{"word":"be","start":339.83002,"end":339.99002,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0666806623339653},{"word":"a","start":339.99002,"end":340.15002,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05745059251785278},{"word":"partner","start":340.15002,"end":340.63,"confidence":1.0,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":-0.06774777919054031},{"word":"or","start":340.63,"end":340.79,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05879915878176689},{"word":"something","start":340.79,"end":341.19,"confidence":0.9970703,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.06128250062465668},{"word":"like","start":341.19,"end":341.35,"confidence":0.9838867,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.07293590158224106},{"word":"that","start":341.35,"end":341.85,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05339786782860756},{"word":"or","start":341.99002,"end":342.15002,"confidence":0.83935547,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.054625317454338074},{"word":"a","start":342.15002,"end":342.23,"confidence":0.9707031,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05876272171735763},{"word":"parent","start":342.23,"end":342.73,"confidence":0.97875977,"punctuated_word":"parent.","sentiment":"neutral","sentiment_score":-0.05622825026512146},{"word":"that's","start":344.755,"end":344.915,"confidence":0.67907715,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.002853588666766882},{"word":"my","start":344.915,"end":345.415,"confidence":0.5566406,"punctuated_word":"my...","sentiment":"neutral","sentiment_score":-0.001619548536837101},{"word":"yeah","start":346.035,"end":346.535,"confidence":0.83618164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.009220028296113014},{"word":"yeah","start":347.155,"end":347.655,"confidence":0.8630371,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.026812229305505753},{"word":"yeah","start":350.515,"end":351.015,"confidence":0.8400879,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029127273708581924},{"word":"yes","start":351.23502,"end":351.73502,"confidence":0.9650879,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0909873992204666},{"word":"so","start":352.435,"end":352.67502,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0771985724568367},{"word":"that's","start":352.67502,"end":352.995,"confidence":0.9946289,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08170674741268158},{"word":"as","start":352.995,"end":353.155,"confidence":0.9472656,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06831806898117065},{"word":"far","start":353.155,"end":353.315,"confidence":0.9941406,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.06422945111989975},{"word":"as","start":353.315,"end":353.475,"confidence":0.97509766,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05858248472213745},{"word":"i've","start":353.475,"end":353.635,"confidence":0.9067383,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.06332321465015411},{"word":"gotten","start":353.635,"end":354.11502,"confidence":0.9094238,"punctuated_word":"gotten.","sentiment":"neutral","sentiment_score":0.06838904321193695},{"word":"i","start":354.11502,"end":354.275,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06523387134075165},{"word":"didn't","start":354.275,"end":354.515,"confidence":0.9980469,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.06502822041511536},{"word":"actually","start":354.515,"end":354.995,"confidence":0.99609375,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.058752063661813736},{"word":"put","start":354.995,"end":355.155,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.05911063775420189},{"word":"anything","start":355.155,"end":355.555,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.05117664113640785},{"word":"on","start":355.555,"end":355.715,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.11448998749256134},{"word":"paper","start":355.715,"end":356.215,"confidence":0.99658203,"punctuated_word":"paper.","sentiment":"neutral","sentiment_score":-0.06480522453784943},{"word":"yeah","start":374.995,"end":375.395,"confidence":0.94018555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01609087735414505},{"word":"yeah","start":375.395,"end":375.895,"confidence":0.8918457,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011607717722654344},{"word":"yeah","start":376.355,"end":376.675,"confidence":0.95043945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09660561382770538},{"word":"yeah","start":376.675,"end":377.075,"confidence":0.98413086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23250269889831543},{"word":"that'll","start":377.075,"end":377.475,"confidence":0.8547363,"punctuated_word":"That'll","sentiment":"positive","sentiment_score":0.5117034912109375},{"word":"be","start":377.475,"end":377.635,"confidence":0.9980469,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5520361065864563},{"word":"that'll","start":377.635,"end":377.875,"confidence":0.99560547,"punctuated_word":"that'll","sentiment":"positive","sentiment_score":0.604263961315155},{"word":"be","start":377.875,"end":378.115,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.603889524936676},{"word":"good","start":378.115,"end":378.615,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4379887282848358},{"word":"yeah","start":389.74,"end":390.24,"confidence":0.8515625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08959698677062988},{"word":"yeah","start":394.22,"end":394.54,"confidence":0.9621582,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13516221940517426},{"word":"alright","start":394.54,"end":395.02,"confidence":0.98339844,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.26371651887893677},{"word":"cool","start":395.02,"end":395.355,"confidence":0.9980469,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.47462061047554016},{"word":"yeah","start":397.915,"end":398.155,"confidence":0.9338379,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12544964253902435},{"word":"i","start":398.155,"end":398.315,"confidence":0.41259766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0684303492307663},{"word":"don't","start":398.315,"end":398.475,"confidence":0.6016846,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07354956865310669},{"word":"know","start":398.475,"end":398.975,"confidence":0.9428711,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.10667654871940611},{"word":"if","start":400.55502,"end":400.875,"confidence":0.7607422,"punctuated_word":"if...","sentiment":"neutral","sentiment_score":-0.036330703645944595},{"word":"yeah","start":400.875,"end":401.375,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.020738979801535606},{"word":"mate","start":401.435,"end":401.595,"confidence":0.42529297,"punctuated_word":"Mate...","sentiment":"neutral","sentiment_score":-0.024338169023394585},{"word":"yeah","start":401.595,"end":401.83502,"confidence":0.98095703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.027160746976733208},{"word":"maybe","start":401.83502,"end":402.155,"confidence":0.99121094,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":-0.06846503913402557},{"word":"do","start":402.155,"end":402.39502,"confidence":0.96240234,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0649615079164505},{"word":"check","start":402.39502,"end":402.55502,"confidence":0.96972656,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.05272314324975014},{"word":"that","start":402.55502,"end":402.715,"confidence":0.9863281,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07681171596050262},{"word":"because","start":402.715,"end":402.95502,"confidence":0.5834961,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09898914396762848},{"word":"i","start":402.95502,"end":403.11502,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1003403216600418},{"word":"don't","start":403.11502,"end":403.355,"confidence":0.9890137,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1213613748550415},{"word":"know","start":403.355,"end":403.515,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.15143270790576935},{"word":"about","start":403.515,"end":403.755,"confidence":0.98095703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.14952802658081055},{"word":"if","start":403.755,"end":403.995,"confidence":0.8598633,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11323437839746477},{"word":"we","start":403.995,"end":404.23502,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07729439437389374},{"word":"did","start":404.23502,"end":404.55502,"confidence":0.99609375,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.06628286838531494},{"word":"do","start":404.55502,"end":404.635,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07451172173023224},{"word":"that","start":404.635,"end":404.875,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05032747983932495},{"word":"or","start":404.875,"end":405.11502,"confidence":0.91015625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.10514788329601288},{"word":"we're","start":405.11502,"end":405.27502,"confidence":0.80737305,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.12228915095329285},{"word":"gonna","start":405.27502,"end":405.595,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.08777660131454468},{"word":"do","start":405.595,"end":405.755,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.08479639142751694},{"word":"that","start":405.755,"end":406.255,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04877930134534836},{"word":"last","start":406.715,"end":407.035,"confidence":0.99121094,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.050813741981983185},{"word":"time","start":407.035,"end":407.535,"confidence":0.9980469,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.028830114752054214},{"word":"cool","start":417.75,"end":418.15002,"confidence":0.9848633,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.2938293218612671},{"word":"yep","start":418.15002,"end":418.65002,"confidence":0.9880371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2500561475753784},{"word":"yeah","start":427.395,"end":427.895,"confidence":0.7602539,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2126045823097229},{"word":"what","start":455.295,"end":455.45502,"confidence":0.47851562,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.008648082613945007},{"word":"do","start":455.45502,"end":455.615,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.01123674213886261},{"word":"i","start":455.615,"end":455.775,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.012594755738973618},{"word":"click","start":455.775,"end":456.095,"confidence":0.99316406,"punctuated_word":"click","sentiment":"neutral","sentiment_score":-0.0029676686972379684},{"word":"on","start":456.095,"end":456.255,"confidence":0.9758301,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":-0.006988111883401871},{"word":"because","start":456.255,"end":456.655,"confidence":0.92578125,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.022631552070379257},{"word":"the","start":456.655,"end":456.73502,"confidence":0.4555664,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0175400972366333},{"word":"other","start":456.73502,"end":457.135,"confidence":0.9038086,"punctuated_word":"other...","sentiment":"neutral","sentiment_score":-0.015690788626670837},{"word":"there's","start":457.135,"end":457.375,"confidence":0.9980469,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.024352973327040672},{"word":"no","start":457.375,"end":457.875,"confidence":0.9980469,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.07062022387981415},{"word":"attachment","start":458.095,"end":458.595,"confidence":0.99609375,"punctuated_word":"attachment","sentiment":"neutral","sentiment_score":-0.06654953956604004},{"word":"to","start":458.89502,"end":459.135,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0733705461025238},{"word":"the","start":459.135,"end":459.635,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05989151820540428},{"word":"one","start":460.77,"end":461.01,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.06609004735946655},{"word":"that","start":461.01,"end":461.16998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01420840620994568},{"word":"you","start":461.16998,"end":461.49,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.002149790525436402},{"word":"sent","start":461.49,"end":461.81,"confidence":0.99609375,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":-0.0177362859249115},{"word":"me","start":461.81,"end":462.31,"confidence":0.99194336,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.03558538109064102},{"word":"oh","start":470.05,"end":470.29,"confidence":0.5687866,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.05188097059726715},{"word":"okay","start":470.29,"end":470.69,"confidence":0.99560547,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.03959662467241287},{"word":"yep","start":470.69,"end":471.19,"confidence":0.9692383,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.016963575035333633},{"word":"cool","start":473.475,"end":473.975,"confidence":0.9946289,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.24368254840373993},{"word":"i've","start":474.83502,"end":475.075,"confidence":0.9423828,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.12502959370613098},{"word":"just","start":475.075,"end":475.23502,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10438068211078644},{"word":"pressed","start":475.23502,"end":475.475,"confidence":0.9951172,"punctuated_word":"pressed","sentiment":"neutral","sentiment_score":0.10639581084251404},{"word":"on","start":475.475,"end":475.71503,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0880623385310173},{"word":"it","start":475.71503,"end":475.875,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13830256462097168},{"word":"now","start":475.875,"end":476.375,"confidence":1.0,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.012380793690681458},{"word":"oh","start":487.15503,"end":487.475,"confidence":0.96777344,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.12904953956604004},{"word":"yeah","start":487.475,"end":487.795,"confidence":0.99365234,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.10770027339458466},{"word":"yep","start":487.795,"end":488.25,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1640404760837555},{"word":"i've","start":488.41,"end":488.65,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.19258293509483335},{"word":"got","start":488.65,"end":489.13,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.21026962995529175},{"word":"the","start":489.13,"end":489.45,"confidence":0.9326172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1677873432636261},{"word":"summary","start":489.45,"end":489.93,"confidence":0.99902344,"punctuated_word":"summary","sentiment":"neutral","sentiment_score":0.13612443208694458},{"word":"of","start":489.93,"end":490.25,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19511547684669495},{"word":"superannuation","start":490.25,"end":490.75,"confidence":0.9345703,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.19476263225078583},{"word":"insurance","start":491.21,"end":491.53,"confidence":0.9082031,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.1604028344154358},{"word":"the","start":491.53,"end":491.69,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1905551254749298},{"word":"twenty","start":491.69,"end":491.93,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.18988795578479767},{"word":"eighth","start":491.93,"end":492.25,"confidence":0.8823242,"punctuated_word":"eighth,","sentiment":"neutral","sentiment_score":0.16981787979602814},{"word":"the","start":492.25,"end":492.49,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16943590342998505},{"word":"twenty","start":492.49,"end":492.89,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.1893369257450104},{"word":"sixth","start":492.89,"end":493.39,"confidence":0.8166504,"punctuated_word":"sixth,","sentiment":"neutral","sentiment_score":0.1594364494085312},{"word":"hub","start":493.53,"end":494.03,"confidence":0.66845703,"punctuated_word":"hub,","sentiment":"neutral","sentiment_score":0.18472768366336825},{"word":"and","start":495.29,"end":495.53,"confidence":0.78027344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17334266006946564},{"word":"direct","start":495.53,"end":496.03,"confidence":0.765625,"punctuated_word":"direct.","sentiment":"neutral","sentiment_score":0.1805063784122467},{"word":"yep","start":500.57,"end":501.07,"confidence":0.82250977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16984574496746063},{"word":"yeah","start":505.975,"end":506.475,"confidence":0.9135742,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13472893834114075},{"word":"no","start":517.01,"end":517.33,"confidence":0.9016113,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.19176897406578064},{"word":"that","start":517.33,"end":517.83,"confidence":0.9140625,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.13610120117664337},{"word":"that","start":517.89,"end":517.97,"confidence":0.7558594,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05732235312461853},{"word":"should","start":517.97,"end":518.13,"confidence":0.6411133,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.05069240927696228},{"word":"be","start":518.13,"end":518.37,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1228335052728653},{"word":"alright","start":518.37,"end":518.87,"confidence":0.9946289,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":-0.010278284549713137},{"word":"yep","start":538.215,"end":538.715,"confidence":0.6920166,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.015939686447381973},{"word":"oh","start":543.015,"end":543.255,"confidence":0.9345703,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.02836119756102562},{"word":"okay","start":543.255,"end":543.755,"confidence":0.9975586,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.01563924178481102},{"word":"so","start":555.82996,"end":556.32996,"confidence":0.87060547,"punctuated_word":"So...","sentiment":"neutral","sentiment_score":-0.017510533332824707},{"word":"yeah","start":556.55,"end":557.05,"confidence":0.7199707,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.004058061167597771},{"word":"i","start":558.355,"end":558.595,"confidence":0.6015625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.008082296699285507},{"word":"think","start":558.595,"end":558.83496,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0014934688806533811},{"word":"so","start":558.83496,"end":559.15497,"confidence":0.9975586,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.01820371486246586},{"word":"yeah","start":559.15497,"end":559.65497,"confidence":0.9753418,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011715522967278956},{"word":"yeah","start":569.15497,"end":569.65497,"confidence":0.72802734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.026116302236914635},{"word":"yep","start":572.55,"end":573.05,"confidence":0.78564453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11839798092842102},{"word":"oh","start":579.67,"end":579.99,"confidence":0.9602051,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.0507877804338932},{"word":"okay","start":579.99,"end":580.31,"confidence":0.99853516,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.05183739215135574},{"word":"yeah","start":580.31,"end":580.55,"confidence":0.98657227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0444006621837616},{"word":"yeah","start":580.55,"end":580.79,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06127212941646576},{"word":"i","start":580.79,"end":580.95,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06572163105010986},{"word":"get","start":580.95,"end":581.19,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08302156627178192},{"word":"it","start":581.19,"end":581.685,"confidence":0.9086914,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.047785356640815735},{"word":"okay","start":592.485,"end":592.985,"confidence":0.8833008,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.029270146042108536},{"word":"yep","start":593.045,"end":593.545,"confidence":0.7536621,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05166836082935333},{"word":"funny","start":601.23,"end":601.63,"confidence":0.77246094,"punctuated_word":"Funny","sentiment":"neutral","sentiment_score":-0.11759255826473236},{"word":"you","start":601.63,"end":601.79,"confidence":0.9375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.22882691025733948},{"word":"say","start":601.79,"end":602.02997,"confidence":0.9716797,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.1439405083656311},{"word":"that","start":602.02997,"end":602.43,"confidence":0.8671875,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.07642243802547455},{"word":"i","start":602.43,"end":602.58997,"confidence":0.8803711,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1857164651155472},{"word":"didn't","start":602.58997,"end":602.99,"confidence":0.79418945,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.1420227289199829},{"word":"get","start":602.99,"end":603.23,"confidence":0.984375,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.2079494148492813},{"word":"it","start":603.23,"end":603.47,"confidence":0.71777344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2675025463104248},{"word":"off","start":603.47,"end":603.79,"confidence":0.9267578,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.18184244632720947},{"word":"a","start":603.79,"end":604.02997,"confidence":0.37890625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2009643912315369},{"word":"a","start":604.02997,"end":604.11,"confidence":0.609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18673650920391083},{"word":"job","start":604.11,"end":604.35,"confidence":0.9970703,"punctuated_word":"job","sentiment":"neutral","sentiment_score":-0.20845367014408112},{"word":"offer","start":604.35,"end":604.67,"confidence":0.99902344,"punctuated_word":"offer","sentiment":"neutral","sentiment_score":-0.2214684933423996},{"word":"yesterday","start":604.67,"end":605.17,"confidence":0.99853516,"punctuated_word":"yesterday.","sentiment":"neutral","sentiment_score":-0.14340642094612122},{"word":"absolutely","start":610.60504,"end":611.10504,"confidence":0.88061523,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.3951289057731629},{"word":"heaps","start":611.965,"end":612.36505,"confidence":0.9448242,"punctuated_word":"Heaps","sentiment":"neutral","sentiment_score":0.30120721459388733},{"word":"more","start":612.36505,"end":612.60504,"confidence":0.7922363,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":0.2858366370201111},{"word":"i'm","start":612.60504,"end":613.10504,"confidence":0.85302734,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0823073536157608},{"word":"hoping","start":613.16504,"end":613.645,"confidence":0.82836914,"punctuated_word":"hoping,","sentiment":"neutral","sentiment_score":0.09682833403348924},{"word":"but","start":613.645,"end":614.145,"confidence":0.8857422,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.03755791485309601},{"word":"yeah","start":614.28503,"end":614.525,"confidence":0.9589844,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.0399831160902977},{"word":"i've","start":614.525,"end":614.765,"confidence":0.98657227,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.02430836856365204},{"word":"gotta","start":614.765,"end":615.085,"confidence":0.7836914,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.04042009264230728},{"word":"call","start":615.085,"end":615.24506,"confidence":0.9980469,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.03622446954250336},{"word":"them","start":615.24506,"end":615.48505,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.01052425056695938},{"word":"back","start":615.48505,"end":615.645,"confidence":0.7841797,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.07688571512699127},{"word":"i'm","start":615.645,"end":615.80505,"confidence":0.97802734,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.076087087392807},{"word":"gonna","start":615.80505,"end":616.125,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1052916944026947},{"word":"call","start":616.125,"end":616.28503,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.10131190717220306},{"word":"them","start":616.28503,"end":616.525,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.07343827933073044},{"word":"tomorrow","start":616.525,"end":616.92505,"confidence":1.0,"punctuated_word":"tomorrow","sentiment":"neutral","sentiment_score":0.14324066042900083},{"word":"and","start":616.92505,"end":617.085,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12426549196243286},{"word":"find","start":617.085,"end":617.325,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.07842986285686493},{"word":"out","start":617.325,"end":617.565,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.07943136990070343},{"word":"a","start":617.565,"end":617.645,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14081606268882751},{"word":"bit","start":617.645,"end":617.885,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09435798227787018},{"word":"more","start":617.885,"end":618.125,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.06889058649539948},{"word":"about","start":618.125,"end":618.28503,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08232541382312775},{"word":"it","start":618.28503,"end":618.78503,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.095944344997406},{"word":"yeah","start":628.48004,"end":628.96,"confidence":0.8635254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.035708628594875336},{"word":"maybe","start":628.96,"end":629.36005,"confidence":0.9980469,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":0.0645470842719078},{"word":"that'll","start":629.36005,"end":629.68,"confidence":0.9851074,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.08043792098760605},{"word":"be","start":629.68,"end":630.0,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07521063834428787},{"word":"easier","start":630.0,"end":630.32,"confidence":0.9873047,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.09902487695217133},{"word":"because","start":630.32,"end":630.56,"confidence":0.83496094,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.057563383132219315},{"word":"yeah","start":630.56,"end":630.8,"confidence":0.95581055,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.08278869092464447},{"word":"it's","start":630.8,"end":631.04004,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07031965255737305},{"word":"not","start":631.04004,"end":631.36005,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.01312284916639328},{"word":"not","start":631.36005,"end":631.60004,"confidence":0.9951172,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.008969154208898544},{"word":"set","start":631.60004,"end":631.84,"confidence":0.94970703,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.00960388034582138},{"word":"in","start":631.84,"end":632.0,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02196112275123596},{"word":"stone","start":632.0,"end":632.4,"confidence":0.99902344,"punctuated_word":"stone","sentiment":"neutral","sentiment_score":-0.024640075862407684},{"word":"yet","start":632.4,"end":632.9,"confidence":0.99902344,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":0.002439800649881363},{"word":"okay","start":644.40497,"end":644.90497,"confidence":0.9555664,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05575629323720932},{"word":"yep","start":645.605,"end":646.105,"confidence":0.94677734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2698291540145874},{"word":"yes","start":661.35,"end":661.85,"confidence":0.7976074,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.14530149102211},{"word":"yeah","start":664.825,"end":665.325,"confidence":0.9663086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.028575390577316284},{"word":"for","start":681.56,"end":681.87994,"confidence":0.82714844,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.06371363252401352},{"word":"smoke","start":681.87994,"end":682.19995,"confidence":0.9404297,"punctuated_word":"smoke...","sentiment":"neutral","sentiment_score":-0.0491865798830986},{"word":"like","start":682.19995,"end":682.51996,"confidence":0.9902344,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.08106274902820587},{"word":"if","start":682.51996,"end":682.75995,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0861223116517067},{"word":"i'm","start":682.75995,"end":682.92,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.116680309176445},{"word":"gonna","start":682.92,"end":683.16,"confidence":0.9770508,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.12707823514938354},{"word":"give","start":683.16,"end":683.31995,"confidence":0.94921875,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.15298929810523987},{"word":"up","start":683.31995,"end":683.56,"confidence":0.53808594,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1404569447040558},{"word":"smoking","start":683.56,"end":684.06,"confidence":0.9572754,"punctuated_word":"smoking?","sentiment":"neutral","sentiment_score":-0.11640964448451996},{"word":"i'm","start":688.935,"end":689.175,"confidence":0.9538574,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.09585650265216827},{"word":"sorry","start":689.175,"end":689.675,"confidence":0.66064453,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.08257102221250534},{"word":"but","start":689.735,"end":689.97504,"confidence":0.99316406,"punctuated_word":"But...","sentiment":"neutral","sentiment_score":-0.054825205355882645},{"word":"no","start":689.97504,"end":690.215,"confidence":0.88134766,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17915210127830505},{"word":"and","start":690.215,"end":690.53503,"confidence":0.7246094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1814233660697937},{"word":"i'm","start":690.53503,"end":690.775,"confidence":0.892334,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2201700210571289},{"word":"i'm","start":690.775,"end":691.015,"confidence":0.9880371,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.25151288509368896},{"word":"still","start":691.015,"end":691.415,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.30990070104599},{"word":"smoking","start":691.415,"end":691.735,"confidence":0.89038086,"punctuated_word":"smoking,","sentiment":"neutral","sentiment_score":-0.2168015092611313},{"word":"and","start":691.735,"end":691.895,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.23355510830879211},{"word":"i","start":691.895,"end":692.055,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.27196964621543884},{"word":"probably","start":692.055,"end":692.375,"confidence":0.9921875,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.28688862919807434},{"word":"won't","start":692.375,"end":692.875,"confidence":0.9909668,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.2568560242652893},{"word":"plan","start":692.935,"end":693.335,"confidence":0.9980469,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":-0.2831508219242096},{"word":"on","start":693.335,"end":693.495,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2437155544757843},{"word":"not","start":693.495,"end":693.815,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2251642644405365},{"word":"smoking","start":693.815,"end":694.295,"confidence":0.92089844,"punctuated_word":"smoking","sentiment":"neutral","sentiment_score":-0.18944472074508667},{"word":"depending","start":694.295,"end":694.775,"confidence":0.5126953,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.2663601338863373},{"word":"on","start":694.775,"end":694.935,"confidence":0.7451172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.23827862739562988},{"word":"what","start":694.935,"end":695.175,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.23695030808448792},{"word":"happens","start":695.175,"end":695.495,"confidence":0.99609375,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.20291568338871},{"word":"with","start":695.495,"end":695.735,"confidence":0.98828125,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2224789410829544},{"word":"the","start":695.735,"end":695.815,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23631946742534635},{"word":"pricing","start":695.815,"end":696.315,"confidence":0.9790039,"punctuated_word":"pricing","sentiment":"neutral","sentiment_score":-0.19059430062770844},{"word":"if","start":697.015,"end":697.175,"confidence":0.56347656,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2373647689819336},{"word":"it","start":697.175,"end":697.255,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2172270119190216},{"word":"goes","start":697.255,"end":697.495,"confidence":0.99902344,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.210777148604393},{"word":"up","start":697.495,"end":697.655,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.22134889662265775},{"word":"anymore","start":697.655,"end":698.155,"confidence":0.98999023,"punctuated_word":"anymore.","sentiment":"neutral","sentiment_score":-0.1778414249420166},{"word":"yeah","start":708.45996,"end":708.95996,"confidence":0.9333496,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0509735532104969},{"word":"yes","start":716.22,"end":716.72,"confidence":0.92944336,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.040876902639865875},{"word":"okay","start":727.625,"end":728.025,"confidence":0.98706055,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09753035008907318},{"word":"yep","start":728.025,"end":728.525,"confidence":0.9543457,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20073185861110687},{"word":"oh","start":741.48,"end":741.64,"confidence":0.9501953,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.07811301201581955},{"word":"yep","start":741.64,"end":742.14,"confidence":0.9736328,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.06441102176904678},{"word":"enlarge","start":745.735,"end":746.135,"confidence":0.79174805,"punctuated_word":"Enlarge","sentiment":"neutral","sentiment_score":0.06157872825860977},{"word":"it","start":746.135,"end":746.295,"confidence":0.90283203,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08252333849668503},{"word":"a","start":746.295,"end":746.455,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04635932296514511},{"word":"bit","start":746.455,"end":746.955,"confidence":0.9946289,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.034576211124658585},{"word":"i'm","start":755.495,"end":755.575,"confidence":0.9086914,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03949408233165741},{"word":"on","start":755.575,"end":755.735,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.004703633487224579},{"word":"my","start":755.735,"end":756.055,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.02167263627052307},{"word":"phone","start":756.055,"end":756.555,"confidence":0.8071289,"punctuated_word":"phone,","sentiment":"neutral","sentiment_score":-0.02654489129781723},{"word":"so","start":756.615,"end":756.775,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.01732524484395981},{"word":"i'm","start":756.775,"end":756.935,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.00843963772058487},{"word":"just","start":756.935,"end":757.255,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.00011396408081054688},{"word":"trying","start":757.255,"end":757.655,"confidence":0.93603516,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.001003071665763855},{"word":"to","start":757.655,"end":757.895,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011786624789237976},{"word":"enlarge","start":757.895,"end":758.395,"confidence":0.9970703,"punctuated_word":"enlarge","sentiment":"neutral","sentiment_score":0.08061426877975464},{"word":"our","start":759.58997,"end":759.67,"confidence":0.9741211,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.05875856429338455},{"word":"performance","start":759.67,"end":760.17,"confidence":1.0,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.07670566439628601},{"word":"with","start":760.38995,"end":760.87,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03266012668609619},{"word":"ira","start":760.87,"end":761.37,"confidence":0.69506836,"punctuated_word":"IRA,","sentiment":"neutral","sentiment_score":0.02149224281311035},{"word":"is","start":761.67,"end":761.91,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.025757834315299988},{"word":"it","start":761.91,"end":762.41,"confidence":0.9970703,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.003693323582410813},{"word":"yes","start":783.315,"end":783.815,"confidence":0.7293701,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1215066909790039},{"word":"okay","start":806.46497,"end":806.96497,"confidence":0.98999023,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.15570670366287231},{"word":"yes","start":822.0,"end":822.5,"confidence":0.9746094,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.3363052010536194},{"word":"yes","start":834.255,"end":834.755,"confidence":0.99902344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.29536497592926025},{"word":"oh","start":846.39,"end":846.55,"confidence":0.68359375,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.17737677693367004},{"word":"yeah","start":846.55,"end":847.05,"confidence":0.94873047,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.13966575264930725},{"word":"yeah","start":861.11505,"end":861.42,"confidence":0.77441406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06887312233448029},{"word":"i","start":879.13495,"end":879.375,"confidence":0.92578125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09386323392391203},{"word":"haven't","start":879.375,"end":879.69495,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.09622994065284728},{"word":"lately","start":879.69495,"end":880.175,"confidence":0.90527344,"punctuated_word":"lately,","sentiment":"neutral","sentiment_score":-0.14372479915618896},{"word":"actually","start":880.175,"end":880.675,"confidence":0.82055664,"punctuated_word":"actually,","sentiment":"neutral","sentiment_score":-0.09023500978946686},{"word":"but","start":881.535,"end":881.77496,"confidence":0.5415039,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.04971220716834068},{"word":"i","start":881.77496,"end":882.095,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06604574620723724},{"word":"i","start":882.095,"end":882.415,"confidence":0.8647461,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0605902262032032},{"word":"was","start":882.415,"end":882.65497,"confidence":0.8520508,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.035241663455963135},{"word":"previously","start":882.65497,"end":883.15497,"confidence":0.9904785,"punctuated_word":"previously.","sentiment":"neutral","sentiment_score":-0.04813072830438614},{"word":"yes","start":902.65,"end":903.15,"confidence":0.7919922,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1380476355552673},{"word":"yeah","start":907.375,"end":907.875,"confidence":0.80810547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07653473317623138},{"word":"yeah","start":917.215,"end":917.715,"confidence":0.9169922,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009291514754295347},{"word":"okay","start":920.7,"end":921.2,"confidence":0.93310547,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06707792729139328},{"word":"yeah","start":931.92505,"end":932.405,"confidence":0.91552734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01862270012497902},{"word":"the","start":932.405,"end":932.905,"confidence":0.9819336,"punctuated_word":"The...","sentiment":"neutral","sentiment_score":0.0023491382598876953},{"word":"oh","start":933.92505,"end":934.085,"confidence":0.9707031,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.029946595430374146},{"word":"very","start":934.085,"end":934.48505,"confidence":0.9980469,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.02631441503763199},{"word":"top","start":934.48505,"end":934.98505,"confidence":0.8642578,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.04907070845365524},{"word":"of","start":935.205,"end":935.68506,"confidence":0.6464844,"punctuated_word":"of...","sentiment":"neutral","sentiment_score":0.012490394525229933},{"word":"oh","start":935.68506,"end":935.765,"confidence":0.99365234,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.0585467554628849},{"word":"yeah","start":935.765,"end":935.92505,"confidence":0.98706055,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07658784836530685},{"word":"very","start":935.92505,"end":936.24506,"confidence":0.99902344,"punctuated_word":"Very","sentiment":"neutral","sentiment_score":0.11154138296842576},{"word":"top","start":936.24506,"end":936.48505,"confidence":0.9099121,"punctuated_word":"top.","sentiment":"neutral","sentiment_score":0.12279082834720612},{"word":"the","start":936.48505,"end":936.645,"confidence":0.99121094,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.02808191627264023},{"word":"17","start":936.645,"end":937.60504,"confidence":0.99316406,"punctuated_word":"17...","sentiment":"neutral","sentiment_score":0.030774595215916634},{"word":"what","start":937.60504,"end":937.765,"confidence":0.97509766,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.007829178124666214},{"word":"is","start":937.765,"end":938.005,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.022017698734998703},{"word":"it","start":938.005,"end":938.325,"confidence":0.9338379,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.014072494581341743},{"word":"four","start":938.325,"end":938.645,"confidence":0.9902344,"punctuated_word":"Four","sentiment":"neutral","sentiment_score":0.013234048150479794},{"word":"nine","start":938.645,"end":939.145,"confidence":0.72436523,"punctuated_word":"nine.","sentiment":"neutral","sentiment_score":0.0240069180727005},{"word":"point","start":942.965,"end":943.28503,"confidence":0.37426758,"punctuated_word":"Point","sentiment":"neutral","sentiment_score":0.08710914105176926},{"word":"two","start":943.28503,"end":943.60504,"confidence":0.9633789,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.06772705167531967},{"word":"six","start":943.60504,"end":944.1,"confidence":0.9604492,"punctuated_word":"six.","sentiment":"neutral","sentiment_score":0.030334478244185448},{"word":"yep","start":954.42,"end":954.92,"confidence":0.7619629,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.01930651068687439},{"word":"yep","start":969.345,"end":969.845,"confidence":0.83691406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04349611699581146},{"word":"yep","start":987.925,"end":988.425,"confidence":0.8232422,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07379993051290512},{"word":"whatever","start":988.885,"end":989.28503,"confidence":0.96972656,"punctuated_word":"Whatever","sentiment":"neutral","sentiment_score":0.07057025283575058},{"word":"you","start":989.28503,"end":989.445,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.053311239928007126},{"word":"think","start":989.445,"end":989.945,"confidence":0.9016113,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.0869901031255722},{"word":"yeah","start":990.005,"end":990.505,"confidence":0.77197266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21610021591186523},{"word":"yeah","start":1001.29004,"end":1001.53,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08006694912910461},{"word":"what","start":1001.53,"end":1001.93,"confidence":0.5678711,"punctuated_word":"What...","sentiment":"neutral","sentiment_score":0.05386510118842125},{"word":"yeah","start":1001.93,"end":1002.25,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14593657851219177},{"word":"whatever","start":1002.25,"end":1002.75,"confidence":0.96533203,"punctuated_word":"Whatever","sentiment":"neutral","sentiment_score":0.1481989622116089},{"word":"gives","start":1002.97003,"end":1003.29004,"confidence":0.87841797,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.14989478886127472},{"word":"me","start":1003.29004,"end":1003.53,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1666753739118576},{"word":"the","start":1003.53,"end":1003.69,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1945761740207672},{"word":"best","start":1003.69,"end":1004.01,"confidence":0.99902344,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.19525372982025144},{"word":"outcome","start":1004.01,"end":1004.51,"confidence":0.94091797,"punctuated_word":"outcome.","sentiment":"neutral","sentiment_score":0.25651076436042786},{"word":"yes","start":1014.025,"end":1014.525,"confidence":0.99316406,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07067649066448212},{"word":"yep","start":1026.39,"end":1026.89,"confidence":0.81933594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10527794063091278},{"word":"alright","start":1029.83,"end":1030.33,"confidence":0.8171387,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.16771090030670166},{"word":"as","start":1036.225,"end":1036.385,"confidence":0.9194336,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.02496605738997459},{"word":"much","start":1036.385,"end":1036.625,"confidence":0.9970703,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.0038182586431503296},{"word":"as","start":1036.625,"end":1036.865,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.022114571183919907},{"word":"i","start":1036.865,"end":1037.105,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.029687434434890747},{"word":"understand","start":1037.105,"end":1037.605,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.04751642793416977},{"word":"it","start":1037.6649,"end":1037.745,"confidence":0.97802734,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.05661400780081749},{"word":"yeah","start":1037.745,"end":1038.245,"confidence":0.9472656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18194830417633057},{"word":"mhmm","start":1058.4,"end":1058.9,"confidence":0.88183594,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.007018790580332279},{"word":"yes","start":1064.3201,"end":1064.655,"confidence":0.9946289,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.024029597640037537},{"word":"no","start":1072.415,"end":1072.655,"confidence":0.90356445,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.46404898166656494},{"word":"i'm","start":1072.655,"end":1072.895,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.45760977268218994},{"word":"happy","start":1072.895,"end":1073.2151,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":-0.2858603298664093},{"word":"to","start":1073.2151,"end":1073.295,"confidence":0.9980469,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5605869293212891},{"word":"stay","start":1073.295,"end":1073.615,"confidence":0.99609375,"punctuated_word":"stay","sentiment":"negative","sentiment_score":-0.43274986743927},{"word":"where","start":1073.615,"end":1073.855,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.3309953808784485},{"word":"i","start":1073.855,"end":1074.015,"confidence":0.99902344,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3577032685279846},{"word":"am","start":1074.015,"end":1074.515,"confidence":0.9995117,"punctuated_word":"am.","sentiment":"neutral","sentiment_score":-0.13864338397979736},{"word":"alright","start":1082.6,"end":1083.0,"confidence":0.99609375,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.5714770555496216},{"word":"cool","start":1083.0,"end":1083.5,"confidence":0.99853516,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.7900484204292297},{"word":"so","start":1093.735,"end":1094.235,"confidence":0.54003906,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02355620637536049},{"word":"next","start":1094.4016,"end":1094.9016,"confidence":0.96240234,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.017669305205345154},{"word":"document","start":1095.0684,"end":1095.5684,"confidence":0.84350586,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.03080656565725803},{"word":"oh","start":1095.735,"end":1095.895,"confidence":0.7949219,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.05054974928498268},{"word":"yep","start":1095.895,"end":1096.395,"confidence":0.9563802,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.04387449100613594},{"word":"yes","start":1103.8301,"end":1104.3301,"confidence":0.8989258,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09508619457483292},{"word":"yes","start":1118.15,"end":1118.65,"confidence":0.9658203,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12241166085004808},{"word":"i've","start":1135.1699,"end":1135.33,"confidence":0.7512207,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.07437445223331451},{"word":"got","start":1135.33,"end":1135.57,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07935193926095963},{"word":"the","start":1135.57,"end":1135.89,"confidence":0.8803711,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06365007162094116},{"word":"certificate","start":1135.89,"end":1136.39,"confidence":0.98095703,"punctuated_word":"certificate","sentiment":"neutral","sentiment_score":0.05596454814076424},{"word":"of","start":1136.45,"end":1136.61,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.057923197746276855},{"word":"currency","start":1136.61,"end":1137.11,"confidence":0.7609863,"punctuated_word":"currency,","sentiment":"neutral","sentiment_score":0.060654498636722565},{"word":"and","start":1137.73,"end":1137.97,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.050203826278448105},{"word":"then","start":1137.97,"end":1138.37,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.049415066838264465},{"word":"you","start":1138.37,"end":1138.53,"confidence":0.671875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03839720785617829},{"word":"said","start":1138.53,"end":1139.01,"confidence":0.9892578,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.04305599629878998},{"word":"next","start":1139.01,"end":1139.41,"confidence":0.9199219,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.026528239250183105},{"word":"document","start":1139.41,"end":1139.91,"confidence":0.9472656,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.024966558441519737},{"word":"oh","start":1141.33,"end":1141.41,"confidence":0.9140625,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.016440097242593765},{"word":"is","start":1141.41,"end":1141.57,"confidence":0.9135742,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.006014568731188774},{"word":"that","start":1141.57,"end":1141.73,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.022414717823266983},{"word":"the","start":1141.73,"end":1142.21,"confidence":0.9428711,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011811836622655392},{"word":"the","start":1142.21,"end":1142.45,"confidence":0.26293945,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010690494440495968},{"word":"blue","start":1142.45,"end":1142.69,"confidence":0.9819336,"punctuated_word":"blue","sentiment":"neutral","sentiment_score":0.010284009389579296},{"word":"one","start":1142.69,"end":1143.09,"confidence":0.7727051,"punctuated_word":"one?","sentiment":"neutral","sentiment_score":0.003900508861988783},{"word":"i","start":1143.09,"end":1143.41,"confidence":0.23596191,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0005664154887199402},{"word":"view","start":1143.41,"end":1143.91,"confidence":0.59472656,"punctuated_word":"view","sentiment":"neutral","sentiment_score":0.001545657403767109},{"word":"service","start":1144.21,"end":1144.69,"confidence":0.9921875,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.0025642691180109978},{"word":"guide","start":1144.69,"end":1145.19,"confidence":0.9980469,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.0037600789219141006},{"word":"one","start":1145.785,"end":1146.285,"confidence":0.89208984,"punctuated_word":"one?","sentiment":"neutral","sentiment_score":0.004712055902928114},{"word":"yeah","start":1146.825,"end":1147.225,"confidence":0.8569336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016127021983265877},{"word":"the","start":1147.225,"end":1147.725,"confidence":0.28076172,"punctuated_word":"The...","sentiment":"neutral","sentiment_score":0.003171951975673437},{"word":"yeah","start":1148.905,"end":1149.405,"confidence":0.7741699,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012929642572999},{"word":"i","start":1174.1449,"end":1174.225,"confidence":0.56689453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008155535906553268},{"word":"reckon","start":1174.225,"end":1174.705,"confidence":0.9951172,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":0.014807678759098051},{"word":"i","start":1174.705,"end":1174.865,"confidence":0.9819336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01057077758014202},{"word":"can","start":1174.865,"end":1175.1849,"confidence":1.0,"punctuated_word":"can...","sentiment":"neutral","sentiment_score":0.018811732530593872},{"word":"i'll","start":1175.1849,"end":1175.4249,"confidence":0.97436523,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.015449047088623049},{"word":"just","start":1175.4249,"end":1175.585,"confidence":1.0,"punctuated_word":"just...","sentiment":"neutral","sentiment_score":0.013024268671870232},{"word":"i've","start":1175.585,"end":1175.825,"confidence":0.9904785,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.015713024884462357},{"word":"just","start":1175.825,"end":1176.065,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.013309746980667114},{"word":"zoomed","start":1176.065,"end":1176.385,"confidence":0.99853516,"punctuated_word":"zoomed","sentiment":"neutral","sentiment_score":0.02271255664527416},{"word":"in","start":1176.385,"end":1176.625,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.021070048213005062},{"word":"to","start":1176.625,"end":1176.7849,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02409028634428978},{"word":"see","start":1176.7849,"end":1177.0249,"confidence":0.98828125,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.02768840827047825},{"word":"the","start":1177.0249,"end":1177.2649,"confidence":0.95166016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01914042793214321},{"word":"page","start":1177.2649,"end":1177.6649,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.0194074846804142},{"word":"numbers","start":1177.6649,"end":1178.1449,"confidence":0.72680664,"punctuated_word":"numbers.","sentiment":"neutral","sentiment_score":0.011699819006025791},{"word":"so","start":1178.1449,"end":1178.625,"confidence":0.9199219,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.005682554095983505},{"word":"13","start":1178.625,"end":1179.105,"confidence":0.7565918,"punctuated_word":"13,","sentiment":"neutral","sentiment_score":0.010686015710234642},{"word":"did","start":1179.105,"end":1179.345,"confidence":0.9970703,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.0058709438890218735},{"word":"you","start":1179.345,"end":1179.4249,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0017471574246883392},{"word":"say","start":1179.4249,"end":1179.9249,"confidence":0.9243164,"punctuated_word":"say?","sentiment":"neutral","sentiment_score":0.011564078740775583},{"word":"paying","start":1211.655,"end":1212.055,"confidence":0.5841675,"punctuated_word":"Paying","sentiment":"neutral","sentiment_score":-0.07756482064723969},{"word":"charges","start":1212.055,"end":1212.555,"confidence":0.88305664,"punctuated_word":"charges.","sentiment":"neutral","sentiment_score":-0.07105344533920288},{"word":"i've","start":1212.935,"end":1213.0951,"confidence":0.5013428,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.14577484130859375},{"word":"gone","start":1213.0951,"end":1213.415,"confidence":0.3503418,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.1208699643611908},{"word":"too","start":1213.415,"end":1213.655,"confidence":0.89208984,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.1665823757648468},{"word":"far","start":1213.655,"end":1213.975,"confidence":0.6611328,"punctuated_word":"far,","sentiment":"neutral","sentiment_score":-0.15452927350997925},{"word":"paying","start":1213.975,"end":1214.375,"confidence":0.93408203,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.12607000768184662},{"word":"charges","start":1214.375,"end":1214.875,"confidence":0.6738281,"punctuated_word":"charges?","sentiment":"neutral","sentiment_score":-0.0999092012643814},{"word":"individual","start":1215.0951,"end":1215.5951,"confidence":0.99609375,"punctuated_word":"Individual","sentiment":"neutral","sentiment_score":-0.10225215554237366},{"word":"clients","start":1215.895,"end":1216.395,"confidence":0.7866211,"punctuated_word":"clients?","sentiment":"neutral","sentiment_score":-0.06309693306684494},{"word":"i","start":1238.025,"end":1238.185,"confidence":0.5722656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0345037579536438},{"word":"just","start":1238.185,"end":1238.425,"confidence":0.8881836,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02184857614338398},{"word":"hit","start":1238.425,"end":1238.665,"confidence":0.23791504,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.005054304376244545},{"word":"the","start":1238.665,"end":1238.8251,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.020978091284632683},{"word":"financial","start":1238.8251,"end":1239.3251,"confidence":0.9863281,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.017394766211509705},{"word":"advice","start":1239.865,"end":1240.365,"confidence":0.59277344,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.010129561647772787},{"word":"i","start":1240.425,"end":1240.665,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.024317823350429535},{"word":"reckon","start":1240.665,"end":1240.985,"confidence":0.99121094,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":0.010413020849227904},{"word":"that","start":1240.985,"end":1241.145,"confidence":0.96875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01923021487891674},{"word":"you've","start":1241.145,"end":1241.4651,"confidence":0.7729492,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.010459654033184052},{"word":"talked","start":1241.4651,"end":1241.7051,"confidence":0.86572266,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.02022101916372776},{"word":"to","start":1241.7051,"end":1241.865,"confidence":0.40039062,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.008955234661698341},{"word":"before","start":1241.865,"end":1242.365,"confidence":0.8388672,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":0.020331354811787605},{"word":"oh","start":1246.4401,"end":1246.6001,"confidence":0.7080078,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.10964646935462952},{"word":"well","start":1246.6001,"end":1246.76,"confidence":0.6380615,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.10716540366411208},{"word":"let","start":1246.76,"end":1246.92,"confidence":0.97314453,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.17562086880207062},{"word":"me","start":1246.92,"end":1247.0801,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1571456640958786},{"word":"get","start":1247.0801,"end":1247.3201,"confidence":0.53466797,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1522100567817688},{"word":"it","start":1247.3201,"end":1247.56,"confidence":0.9133301,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1586330235004425},{"word":"what","start":1247.56,"end":1248.06,"confidence":0.7060547,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.03335122391581535},{"word":"what","start":1248.76,"end":1249.26,"confidence":0.6953125,"punctuated_word":"what...","sentiment":"neutral","sentiment_score":0.01371433213353157},{"word":"oh","start":1249.3201,"end":1249.56,"confidence":0.9650879,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.01258128322660923},{"word":"so","start":1249.56,"end":1249.7201,"confidence":0.98095703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.010325085371732712},{"word":"that's","start":1249.7201,"end":1250.04,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.012865789234638214},{"word":"the","start":1250.04,"end":1250.1201,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017727749422192574},{"word":"last","start":1250.1201,"end":1250.4401,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.015537716448307036},{"word":"page","start":1250.4401,"end":1250.76,"confidence":0.810791,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.03298625349998474},{"word":"the","start":1250.76,"end":1250.92,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04098615050315857},{"word":"financial","start":1250.92,"end":1251.42,"confidence":0.9941406,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.03170638531446457},{"word":"advice","start":1251.8,"end":1252.3,"confidence":0.97314453,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.012699279934167862},{"word":"i'm","start":1254.1201,"end":1254.28,"confidence":0.97924805,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.01233969908207655},{"word":"on","start":1254.28,"end":1254.4401,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.022811731323599815},{"word":"the","start":1254.4401,"end":1254.6001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023395275697112083},{"word":"last","start":1254.6001,"end":1254.8401,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.01232018694281578},{"word":"page","start":1254.8401,"end":1255.3401,"confidence":0.99658203,"punctuated_word":"page.","sentiment":"neutral","sentiment_score":0.01690705493092537},{"word":"yeah","start":1269.61,"end":1270.11,"confidence":0.708374,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04218895733356476},{"word":"what","start":1280.4099,"end":1280.6499,"confidence":0.3330078,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.01819012314081192},{"word":"is","start":1280.6499,"end":1280.8099,"confidence":0.68896484,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02082408592104912},{"word":"that","start":1280.8099,"end":1281.3099,"confidence":0.7015381,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.02834106981754303},{"word":"oh","start":1281.85,"end":1282.09,"confidence":0.83569336,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.04754367098212242},{"word":"about","start":1282.09,"end":1282.57,"confidence":0.3540039,"punctuated_word":"about...","sentiment":"neutral","sentiment_score":-0.04418720304965973},{"word":"oh","start":1282.57,"end":1282.6499,"confidence":0.87060547,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.13766446709632874},{"word":"it's","start":1282.6499,"end":1282.8899,"confidence":0.7130127,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.17692647874355316},{"word":"been","start":1282.8899,"end":1283.13,"confidence":0.43237305,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.24849684536457065},{"word":"a","start":1283.13,"end":1283.21,"confidence":0.48486328,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.27653998136520386},{"word":"challenge","start":1283.21,"end":1283.61,"confidence":0.7614746,"punctuated_word":"challenge.","sentiment":"neutral","sentiment_score":-0.2803882360458374},{"word":"is","start":1283.61,"end":1283.7699,"confidence":0.99609375,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.19169528782367704},{"word":"that","start":1283.7699,"end":1284.01,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16562704741954803},{"word":"what","start":1284.01,"end":1284.25,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.19977347552776337},{"word":"you","start":1284.25,"end":1284.4099,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1886073350906372},{"word":"just","start":1284.4099,"end":1284.6499,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1326231211423874},{"word":"said","start":1284.6499,"end":1285.005,"confidence":0.9975586,"punctuated_word":"said?","sentiment":"neutral","sentiment_score":-0.12789958715438843},{"word":"yep","start":1293.965,"end":1294.465,"confidence":0.828125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.029032044112682343},{"word":"oh","start":1305.3301,"end":1305.5701,"confidence":0.92944336,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.01973544806241989},{"word":"yeah","start":1305.5701,"end":1306.0701,"confidence":0.9741211,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.01950615458190441},{"word":"yeah","start":1306.1461,"end":1306.6461,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02207939699292183},{"word":"yeah","start":1306.722,"end":1307.222,"confidence":0.65393066,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.024578101933002472},{"word":"it's","start":1307.2981,"end":1307.7981,"confidence":0.83984375,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.02093343809247017},{"word":"individual","start":1307.874,"end":1308.374,"confidence":0.96972656,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":0.025805391371250153},{"word":"client","start":1308.4501,"end":1308.9501,"confidence":0.9248047,"punctuated_word":"client","sentiment":"neutral","sentiment_score":0.012679211795330048},{"word":"ongoing","start":1309.01,"end":1309.51,"confidence":0.77685547,"punctuated_word":"ongoing,","sentiment":"neutral","sentiment_score":0.01999588869512081},{"word":"and","start":1310.77,"end":1311.01,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.012457063421607018},{"word":"then","start":1311.01,"end":1311.51,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.026498891413211823},{"word":"it's","start":1311.5701,"end":1311.81,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.011208675801753998},{"word":"got","start":1311.81,"end":1312.13,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.01080501824617386},{"word":"the","start":1312.13,"end":1312.29,"confidence":0.5546875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009917322546243668},{"word":"couple","start":1312.29,"end":1312.79,"confidence":0.9675293,"punctuated_word":"couple.","sentiment":"neutral","sentiment_score":0.00298917293548584},{"word":"yeah","start":1313.675,"end":1314.175,"confidence":0.89404297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06270553916692734},{"word":"mhmm","start":1328.075,"end":1328.575,"confidence":0.9942627,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08212408423423767},{"word":"yep","start":1352.565,"end":1352.6449,"confidence":0.829834,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20417913794517517},{"word":"yes","start":1352.6449,"end":1353.1449,"confidence":0.8198242,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.33360910415649414},{"word":"yep","start":1362.15,"end":1362.65,"confidence":0.82006836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2433915734291077},{"word":"yep","start":1367.5901,"end":1368.0901,"confidence":0.8156738,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12174920737743378},{"word":"yep","start":1369.27,"end":1369.75,"confidence":0.8232422,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2480389773845673},{"word":"brings","start":1369.75,"end":1370.0701,"confidence":0.6303711,"punctuated_word":"Brings","sentiment":"positive","sentiment_score":0.4153189957141876},{"word":"me","start":1370.0701,"end":1370.5701,"confidence":0.8251953,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.13955767452716827},{"word":"on","start":1370.775,"end":1371.275,"confidence":0.6533203,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.09116014093160628},{"word":"yeah","start":1373.015,"end":1373.3351,"confidence":0.7314453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.050942324101924896},{"word":"consent","start":1373.3351,"end":1373.735,"confidence":0.7861328,"punctuated_word":"Consent,","sentiment":"neutral","sentiment_score":0.045378826558589935},{"word":"and","start":1373.735,"end":1373.975,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.034129153937101364},{"word":"i'm","start":1373.975,"end":1374.135,"confidence":0.9128418,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04698573052883148},{"word":"going","start":1374.135,"end":1374.635,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.04540533572435379},{"word":"free","start":1374.855,"end":1375.355,"confidence":0.91015625,"punctuated_word":"free...","sentiment":"neutral","sentiment_score":0.029149577021598816},{"word":"not","start":1375.895,"end":1376.215,"confidence":0.99609375,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.08605968952178955},{"word":"free","start":1376.215,"end":1376.715,"confidence":0.8171387,"punctuated_word":"free.","sentiment":"neutral","sentiment_score":-0.05822020024061203},{"word":"free","start":1376.775,"end":1377.015,"confidence":0.9277344,"punctuated_word":"Free","sentiment":"neutral","sentiment_score":-0.04478103667497635},{"word":"arrangement","start":1377.015,"end":1377.515,"confidence":0.9013672,"punctuated_word":"arrangement.","sentiment":"neutral","sentiment_score":-0.04308152943849563},{"word":"free","start":1382.215,"end":1382.6951,"confidence":0.8730469,"punctuated_word":"Free.","sentiment":"neutral","sentiment_score":0.03898970037698746},{"word":"free","start":1382.6951,"end":1383.1951,"confidence":0.95532227,"punctuated_word":"Free.","sentiment":"neutral","sentiment_score":0.057378944009542465},{"word":"okay","start":1397.4401,"end":1397.9401,"confidence":0.765625,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0941980928182602},{"word":"and","start":1400.8351,"end":1401.155,"confidence":0.5214844,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06887257844209671},{"word":"it","start":1401.155,"end":1401.4751,"confidence":0.4724121,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07833924889564514},{"word":"says","start":1401.4751,"end":1401.9551,"confidence":0.7216797,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.07174530625343323},{"word":"sign","start":1401.9551,"end":1402.4551,"confidence":0.85546875,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.053141914308071136},{"word":"the","start":1402.675,"end":1402.915,"confidence":0.53759766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06747950613498688},{"word":"lawyer","start":1402.915,"end":1403.415,"confidence":0.35083008,"punctuated_word":"lawyer.","sentiment":"neutral","sentiment_score":0.04960837587714195},{"word":"wherever","start":1404.115,"end":1404.615,"confidence":0.21832275,"punctuated_word":"Wherever","sentiment":"neutral","sentiment_score":0.046695925295352936},{"word":"i","start":1404.675,"end":1404.915,"confidence":0.23205566,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05168404057621956},{"word":"will","start":1404.915,"end":1405.415,"confidence":0.3684082,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.05896187573671341},{"word":"find","start":1406.115,"end":1406.615,"confidence":0.27246094,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.05883266776800155},{"word":"it","start":1406.675,"end":1406.8351,"confidence":0.45056152,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.061726201325654984},{"word":"signatures","start":1406.8351,"end":1407.3351,"confidence":0.6275635,"punctuated_word":"Signatures","sentiment":"neutral","sentiment_score":0.07131341099739075},{"word":"here","start":1407.4751,"end":1407.875,"confidence":0.7565918,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.08328190445899963},{"word":"so","start":1407.875,"end":1408.035,"confidence":0.9091797,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08741224557161331},{"word":"i","start":1408.035,"end":1408.1951,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11749190092086792},{"word":"can","start":1408.1951,"end":1408.355,"confidence":0.97509766,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10822594165802002},{"word":"just","start":1408.355,"end":1408.755,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08967319875955582},{"word":"click","start":1408.755,"end":1408.995,"confidence":0.99902344,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.09236208349466324},{"word":"on","start":1408.995,"end":1409.155,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12807007133960724},{"word":"that","start":1409.155,"end":1409.555,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1071423664689064},{"word":"and","start":1409.555,"end":1409.9551,"confidence":0.921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06901970505714417},{"word":"add","start":1409.9551,"end":1410.1951,"confidence":0.98535156,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.07677776366472244},{"word":"my","start":1410.1951,"end":1410.6951,"confidence":0.7800293,"punctuated_word":"my.","sentiment":"neutral","sentiment_score":0.0712641030550003},{"word":"let's","start":1414.2001,"end":1414.6,"confidence":0.8125,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.3100131154060364},{"word":"go","start":1414.6,"end":1415.1,"confidence":0.9147949,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.3049435019493103},{"word":"so","start":1420.36,"end":1420.52,"confidence":0.86328125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09952394664287569},{"word":"once","start":1420.52,"end":1420.8401,"confidence":0.9838867,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.07863277196884155},{"word":"i've","start":1420.8401,"end":1421.16,"confidence":0.99316406,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.07443751394748688},{"word":"signed","start":1421.16,"end":1421.66,"confidence":0.9863281,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.06019122153520584},{"word":"it","start":1422.36,"end":1422.86,"confidence":0.74902344,"punctuated_word":"it...","sentiment":"neutral","sentiment_score":0.05320588871836662},{"word":"oh","start":1423.0,"end":1423.16,"confidence":0.9440918,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.020862333476543427},{"word":"what's","start":1423.16,"end":1423.4,"confidence":0.98828125,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.01574629545211792},{"word":"the","start":1423.4,"end":1423.64,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01202600821852684},{"word":"date","start":1423.64,"end":1424.14,"confidence":0.83154297,"punctuated_word":"date?","sentiment":"neutral","sentiment_score":0.016281943768262863},{"word":"yep","start":1425.535,"end":1425.775,"confidence":0.9824219,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04853421449661255},{"word":"that's","start":1425.775,"end":1426.095,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0470086932182312},{"word":"the","start":1426.095,"end":1426.255,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03526419401168823},{"word":"right","start":1426.255,"end":1426.495,"confidence":0.9970703,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.04922810196876526},{"word":"date","start":1426.495,"end":1426.995,"confidence":0.8378906,"punctuated_word":"date.","sentiment":"neutral","sentiment_score":0.03878512233495712},{"word":"date","start":1428.335,"end":1428.655,"confidence":0.35498047,"punctuated_word":"Date","sentiment":"neutral","sentiment_score":0.019711347296833992},{"word":"of","start":1428.655,"end":1428.895,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01148388348519802},{"word":"birth","start":1428.895,"end":1429.395,"confidence":0.97094727,"punctuated_word":"birth.","sentiment":"neutral","sentiment_score":0.021820727735757828},{"word":"oh","start":1431.6951,"end":1431.935,"confidence":0.9506836,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.010280615650117396},{"word":"is","start":1431.935,"end":1432.015,"confidence":0.8408203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.005407869815826416},{"word":"it","start":1432.015,"end":1432.175,"confidence":0.9819336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.010472455993294716},{"word":"my","start":1432.175,"end":1432.255,"confidence":0.9902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-2.4177134037017822e-6},{"word":"date","start":1432.255,"end":1432.495,"confidence":0.9921875,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.006773792207241058},{"word":"of","start":1432.495,"end":1432.735,"confidence":0.9770508,"punctuated_word":"of...","sentiment":"neutral","sentiment_score":-0.0016752490773797035},{"word":"no","start":1432.735,"end":1433.235,"confidence":0.99365234,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06620804220438004},{"word":"it's","start":1433.375,"end":1433.615,"confidence":0.8132324,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.04571589082479477},{"word":"the","start":1433.615,"end":1433.855,"confidence":0.6411133,"punctuated_word":"the...","sentiment":"neutral","sentiment_score":-0.04227828234434128},{"word":"oh","start":1433.855,"end":1433.935,"confidence":0.8857422,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.05147333815693855},{"word":"no","start":1433.935,"end":1434.175,"confidence":0.98876953,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.06543709337711334},{"word":"the","start":1434.175,"end":1434.335,"confidence":0.86328125,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.04934326186776161},{"word":"date's","start":1434.335,"end":1434.655,"confidence":0.9160156,"punctuated_word":"date's","sentiment":"neutral","sentiment_score":-0.03053153119981289},{"word":"gone","start":1434.655,"end":1434.895,"confidence":0.8540039,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.02807261049747467},{"word":"on","start":1434.895,"end":1435.135,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.02858593687415123},{"word":"there","start":1435.135,"end":1435.535,"confidence":0.8342285,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.026615165174007416},{"word":"so","start":1435.535,"end":1435.6951,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.010784689337015152},{"word":"it's","start":1435.6951,"end":1435.855,"confidence":0.9890137,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.005678817629814148},{"word":"just","start":1435.855,"end":1436.095,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.009306125342845917},{"word":"signing","start":1436.095,"end":1436.415,"confidence":0.99316406,"punctuated_word":"signing","sentiment":"neutral","sentiment_score":0.0006756968796253204},{"word":"it","start":1436.415,"end":1436.495,"confidence":0.46923828,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01620170846581459},{"word":"and","start":1436.495,"end":1436.8151,"confidence":0.9140625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00553058460354805},{"word":"date","start":1436.8151,"end":1437.3151,"confidence":0.875,"punctuated_word":"date.","sentiment":"neutral","sentiment_score":-0.009087201207876204},{"word":"yeah","start":1438.975,"end":1439.295,"confidence":0.7401123,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.059164442121982574},{"word":"that's","start":1439.295,"end":1439.535,"confidence":0.7988281,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07058553397655487},{"word":"it","start":1439.535,"end":1440.035,"confidence":0.5928955,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.06014791131019592},{"word":"you","start":1460.785,"end":1461.025,"confidence":0.9873047,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.031711600720882416},{"word":"were","start":1461.025,"end":1461.185,"confidence":0.55615234,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.03627292811870575},{"word":"holding","start":1461.185,"end":1461.425,"confidence":1.0,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":-0.027412788942456245},{"word":"on","start":1461.425,"end":1461.5851,"confidence":0.8642578,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.029937315732240677},{"word":"to","start":1461.5851,"end":1461.665,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.027743859216570858},{"word":"it","start":1461.665,"end":1461.905,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03687787801027298},{"word":"beforehand","start":1461.905,"end":1462.405,"confidence":0.72314453,"punctuated_word":"beforehand?","sentiment":"neutral","sentiment_score":-0.034599997103214264},{"word":"yeah","start":1466.9451,"end":1467.4451,"confidence":0.8469238,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.053084127604961395},{"word":"yes","start":1467.5851,"end":1468.0851,"confidence":0.7081299,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05771863833069801},{"word":"just","start":1470.19,"end":1470.59,"confidence":0.35058594,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.10205482691526412},{"word":"click","start":1470.59,"end":1471.09,"confidence":0.7836914,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.11008477210998537},{"word":"validate","start":1471.15,"end":1471.265,"confidence":0.82128906,"punctuated_word":"validate","sentiment":"neutral","sentiment_score":0.10885363817214966},{"word":"on","start":1471.265,"end":1471.38,"confidence":0.93359375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06972840428352356},{"word":"the","start":1471.38,"end":1471.63,"confidence":0.16662598,"punctuated_word":"the......","sentiment":"neutral","sentiment_score":0.07745107263326645},{"word":"one","start":1471.63,"end":1472.13,"confidence":0.7211914,"punctuated_word":"One.","sentiment":"neutral","sentiment_score":0.08526713401079178},{"word":"yep","start":1478.99,"end":1479.49,"confidence":0.9736328,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22485867142677307},{"word":"alright","start":1487.2151,"end":1487.7151,"confidence":0.7507324,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.3417825698852539},{"word":"yep","start":1496.5751,"end":1497.0751,"confidence":0.97314453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06802066415548325},{"word":"yep","start":1500.8601,"end":1501.3601,"confidence":0.9421387,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13375750184059143},{"word":"alright","start":1505.42,"end":1505.9,"confidence":0.9724121,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.32708585262298584},{"word":"sounds","start":1505.9,"end":1506.2201,"confidence":0.9980469,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.7626940011978149},{"word":"good","start":1506.2201,"end":1506.7201,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6547154188156128},{"word":"no","start":1510.7001,"end":1510.9401,"confidence":0.9375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06657961755990982},{"word":"i'm","start":1510.9401,"end":1511.18,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.11733492463827132},{"word":"i'm","start":1511.18,"end":1511.42,"confidence":0.9658203,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1934790015220642},{"word":"all","start":1511.42,"end":1511.5801,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3782940208911896},{"word":"good","start":1511.5801,"end":1511.8201,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.38482972979545593},{"word":"thank","start":1511.8201,"end":1512.06,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7711493372917175},{"word":"you","start":1512.06,"end":1512.555,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6432700157165527},{"word":"that's","start":1516.9551,"end":1517.1951,"confidence":0.9260254,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5208215713500977},{"word":"it","start":1517.1951,"end":1517.6951,"confidence":0.6982422,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.4577556252479553},{"word":"okay","start":1518.795,"end":1519.275,"confidence":0.9736328,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.3115558624267578},{"word":"cool","start":1519.275,"end":1519.675,"confidence":0.9980469,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.49728700518608093},{"word":"no","start":1519.675,"end":1519.8351,"confidence":0.98535156,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.2720049321651459},{"word":"worries","start":1519.8351,"end":1520.0751,"confidence":0.99902344,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.4015686511993408},{"word":"thanks","start":1520.0751,"end":1520.395,"confidence":0.9663086,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.6849991083145142},{"word":"tommy","start":1520.395,"end":1520.895,"confidence":0.796875,"punctuated_word":"Tommy.","sentiment":"positive","sentiment_score":0.5976888537406921},{"word":"bye","start":1524.395,"end":1524.555,"confidence":0.44604492,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.24823620915412903},{"word":"bye","start":1524.555,"end":1525.055,"confidence":0.98950195,"punctuated_word":"bye.","sentiment":"neutral","sentiment_score":-0.11532939225435256}],"paragraphs":{"transcript":"\nHello? Hello, Tommy? Can you hear me? Hello? Okay.\n\nOh, Tommy. I I was just talking. I couldn't hear you. It's Michelle, obviously. I have got Joanna on I've got Joanna on the phone.\n\nAre you able to take her call? Okay. I'm just gonna merge the calls. I won't do a soft handover. The next voice you'll hear will be...\n\nWell, it'll be you talking to her. Okay. Here you go. Thank you. I'm alright.\n\nHow are you? That's alright. Yeah. You can do both if you want. Did you say you're sending it or you've sent it?\n\nYeah. Yep. Yep. That's good. No.\n\nNo. Just the normal stuff, I guess. Just nothing's really changed. Yeah. Yeah.\n\nYep. Yeah. That... That's good. Yeah.\n\nThat... Yeah. That... Yeah. No.\n\nNo. No. I haven't, actually. It's it's hard. Yeah.\n\nYes. Alright. Cool. Yep. Yeah.\n\nThat's... Yep. That's correct. My annual income with Exactors? No.\n\nNot with the Exact. It will... It's 68. Yeah. Because Rexel, that was a project project's job where Exact Cleaning is more sales support and front desk administration work.\n\nYeah. All office based. I have... I'm real... Not really.\n\nYeah. Nah. No. I'm just doing... I just own my car.\n\nWhich what? Sorry. Oh, yeah. I did look into that, but I haven't actually done anything because I think I couldn't put my nephew as a, like... Yeah.\n\nFor him to have my stuff or whatever because he's my nephew, not... Has to be a partner or something like that or a parent. That's my... Yeah. Yeah.\n\nYeah. Yes. So that's as far as I've gotten. I didn't actually put anything on paper. Yeah.\n\nYeah. Yeah. Yeah. That'll be that'll be good. Yeah.\n\nYeah. Alright. Cool. Yeah. I don't know if...\n\nYeah. Mate... Yeah. Maybe do check that because I don't know about if we did do that or we're gonna do that last time. Cool.\n\nYep. Yeah. What do I click on? Because the other... There's no attachment to the one that you sent me.\n\nOh, okay. Yep. Cool. I've just pressed on it now. Oh, yeah.\n\nYep. I've got the summary of superannuation insurance, the twenty eighth, the twenty sixth, hub, and direct. Yep. Yeah. No.\n\nThat that should be alright. Yep. Oh, okay. So... Yeah.\n\nI think so. Yeah. Yeah. Yep. Oh, okay.\n\nYeah. Yeah. I get it. Okay. Yep.\n\nFunny you say that. I didn't get it off a a job offer yesterday. Absolutely. Heaps more. I'm hoping, but, yeah, I've gotta call them back.\n\nI'm gonna call them tomorrow and find out a bit more about it. Yeah. Maybe that'll be easier because, yeah, it's not not set in stone yet. Okay. Yep.\n\nYes. Yeah. For smoke... Like, if I'm gonna give up smoking? I'm sorry.\n\nBut... No. And I'm I'm still smoking, and I probably won't plan on not smoking depending on what happens with the pricing if it goes up anymore. Yeah. Yes.\n\nOkay. Yep. Oh, yep. Enlarge it a bit. I'm on my phone, so I'm just trying to enlarge our performance with IRA, is it?\n\nYes. Okay. Yes. Yes. Oh, yeah.\n\nYeah. I haven't lately, actually, but I I was previously. Yes. Yeah. Yeah.\n\nOkay. Yeah. The... Oh, very top of... Oh, yeah.\n\nVery top. The 17... What is it? Four nine. Point two six.\n\nYep. Yep. Yep. Whatever you think. Yeah.\n\nYeah. What... Yeah. Whatever gives me the best outcome. Yes.\n\nYep. Alright. As much as I understand it. Yeah. Mhmm.\n\nYes. No. I'm happy to stay where I am. Alright. Cool.\n\nSo next document. Oh, yep. Yes. Yes. I've got the certificate of currency, and then you said next document.\n\nOh, is that the the blue one? I view service guide one? Yeah. The... Yeah.\n\nI reckon I can... I'll just... I've just zoomed in to see the page numbers. So 13, did you say? Paying charges.\n\nI've gone too far, paying charges? Individual clients? I just hit the financial advice. I reckon that you've talked to before. Oh, well, let me get it.\n\nWhat what... Oh, so that's the last page, the financial advice. I'm on the last page. Yeah. What is that?\n\nOh, about... Oh, it's been a challenge. Is that what you just said? Yep. Oh, yeah.\n\nYeah. Yeah. It's individual client ongoing, and then it's got the couple. Yeah. Mhmm.\n\nYep. Yes. Yep. Yep. Yep.\n\nBrings me on. Yeah. Consent, and I'm going free... Not free. Free arrangement.\n\nFree. Free. Okay. And it says sign the lawyer. Wherever I will find it.\n\nSignatures here. So I can just click on that and add my. Let's go. So once I've signed it... Oh, what's the date?\n\nYep. That's the right date. Date of birth. Oh, is it my date of... No.\n\nIt's the... Oh, no. The date's gone on there. So it's just signing it and date. Yeah.\n\nThat's it. You were holding on to it beforehand? Yeah. Yes. Just click validate on the......\n\nOne. Yep. Alright. Yep. Yep.\n\nAlright. Sounds good. No. I'm I'm all good. Thank you.\n\nThat's it. Okay. Cool. No worries. Thanks, Tommy.\n\nBye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":4.96,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.0009998022578656671},{"text":"Hello, Tommy?","start":5.2799997,"end":6.24,"sentiment":"neutral","sentiment_score":-0.002258694265037775},{"text":"Can you hear me?","start":6.24,"end":7.22,"sentiment":"neutral","sentiment_score":-0.014962224755436182},{"text":"Hello?","start":10.719999,"end":11.219999,"sentiment":"neutral","sentiment_score":-0.005215173587203026},{"text":"Okay.","start":14.0,"end":14.445,"sentiment":"neutral","sentiment_score":-0.0018297252245247364}],"sentiment":"neutral","sentiment_score":-0.007823487122853598,"num_words":9,"start":4.96,"end":14.445},{"sentences":[{"text":"Oh, Tommy.","start":15.724999,"end":16.705,"sentiment":"neutral","sentiment_score":-0.011197938118129969},{"text":"I I was just talking.","start":16.765,"end":18.365,"sentiment":"neutral","sentiment_score":-0.05918003097176552},{"text":"I couldn't hear you.","start":18.365,"end":19.404999,"sentiment":"neutral","sentiment_score":-0.13103734143078327},{"text":"It's Michelle, obviously.","start":19.404999,"end":20.705,"sentiment":"neutral","sentiment_score":-0.018833911356826622},{"text":"I have got Joanna on I've got Joanna on the phone.","start":21.324999,"end":25.265,"sentiment":"neutral","sentiment_score":-0.003248669249428944}],"sentiment":"neutral","sentiment_score":-0.03738729970529676,"num_words":25,"start":15.724999,"end":25.265},{"sentences":[{"text":"Are you able to take her call?","start":25.325,"end":32.78,"sentiment":"neutral","sentiment_score":0.0008969638230545183},{"text":"Okay.","start":32.84,"end":33.34,"sentiment":"neutral","sentiment_score":0.0029254890978336334},{"text":"I'm just gonna merge the calls.","start":33.4,"end":35.82,"sentiment":"neutral","sentiment_score":-0.00168740120716393},{"text":"I won't do a soft handover.","start":35.879997,"end":37.5,"sentiment":"neutral","sentiment_score":-0.024709793428579967},{"text":"The next voice you'll hear will be...","start":37.72,"end":39.32,"sentiment":"neutral","sentiment_score":-0.008684630040079355}],"sentiment":"neutral","sentiment_score":-0.007776716379103837,"num_words":27,"start":25.325,"end":39.32},{"sentences":[{"text":"Well, it'll be you talking to her.","start":39.32,"end":41.145,"sentiment":"neutral","sentiment_score":0.005676229085241046},{"text":"Okay.","start":41.385002,"end":41.625,"sentiment":"neutral","sentiment_score":0.05616328865289688},{"text":"Here you go.","start":41.625,"end":42.265,"sentiment":"neutral","sentiment_score":0.08574679245551427},{"text":"Thank you.","start":42.265,"end":43.005,"sentiment":"positive","sentiment_score":0.3792887181043625},{"text":"I'm alright.","start":50.985,"end":51.545,"sentiment":"neutral","sentiment_score":0.20454704761505127}],"sentiment":"neutral","sentiment_score":0.10138725340366364,"num_words":15,"start":39.32,"end":51.545},{"sentences":[{"text":"How are you?","start":51.545,"end":52.364998,"sentiment":"neutral","sentiment_score":0.21222007274627686},{"text":"That's alright.","start":56.510002,"end":57.33,"sentiment":"positive","sentiment_score":0.44584041833877563},{"text":"Yeah.","start":74.935005,"end":75.415,"sentiment":"neutral","sentiment_score":0.04557229205965996},{"text":"You can do both if you want.","start":75.415,"end":76.775,"sentiment":"neutral","sentiment_score":0.0442460301731314},{"text":"Did you say you're sending it or you've sent it?","start":76.775,"end":79.19501,"sentiment":"neutral","sentiment_score":0.017295098677277566}],"sentiment":"neutral","sentiment_score":0.08941680630264075,"num_words":23,"start":51.545,"end":79.19501},{"sentences":[{"text":"Yeah.","start":87.079994,"end":87.579994,"sentiment":"neutral","sentiment_score":0.02494187653064728},{"text":"Yep.","start":90.84,"end":91.159996,"sentiment":"neutral","sentiment_score":0.08801524341106415},{"text":"Yep.","start":91.159996,"end":91.399994,"sentiment":"neutral","sentiment_score":0.1310390830039978},{"text":"That's good.","start":91.399994,"end":92.21999,"sentiment":"positive","sentiment_score":0.36756980419158936},{"text":"No.","start":100.59499,"end":101.09499,"sentiment":"neutral","sentiment_score":-0.09555516391992568}],"sentiment":"neutral","sentiment_score":0.14726344123482704,"num_words":6,"start":87.079994,"end":101.09499},{"sentences":[{"text":"No.","start":101.155,"end":101.395,"sentiment":"neutral","sentiment_score":-0.09958477318286896},{"text":"Just the normal stuff, I guess.","start":101.395,"end":104.274994,"sentiment":"neutral","sentiment_score":-0.09925244003534317},{"text":"Just nothing's really changed.","start":104.274994,"end":106.05499,"sentiment":"neutral","sentiment_score":-0.10182956792414188},{"text":"Yeah.","start":109.795,"end":110.19499,"sentiment":"neutral","sentiment_score":0.05169699341058731},{"text":"Yeah.","start":110.19499,"end":110.69499,"sentiment":"neutral","sentiment_score":0.1162026971578598}],"sentiment":"neutral","sentiment_score":-0.07188599957869603,"num_words":13,"start":101.155,"end":110.69499},{"sentences":[{"text":"Yep.","start":122.43,"end":122.91,"sentiment":"neutral","sentiment_score":0.06720372289419174},{"text":"Yeah.","start":122.91,"end":123.23,"sentiment":"neutral","sentiment_score":0.08442467451095581},{"text":"That...","start":123.23,"end":123.55,"sentiment":"neutral","sentiment_score":0.0915481448173523},{"text":"That's good.","start":123.55,"end":124.305,"sentiment":"neutral","sentiment_score":0.24825451523065567},{"text":"Yeah.","start":148.88,"end":149.12001,"sentiment":"neutral","sentiment_score":0.028014719486236572}],"sentiment":"neutral","sentiment_score":0.12795004869500795,"num_words":6,"start":122.43,"end":149.12001},{"sentences":[{"text":"That...","start":149.12001,"end":149.36,"sentiment":"neutral","sentiment_score":0.01860850490629673},{"text":"Yeah.","start":149.36,"end":149.68001,"sentiment":"neutral","sentiment_score":0.02280401811003685},{"text":"That...","start":149.68001,"end":150.0,"sentiment":"neutral","sentiment_score":0.02537761814892292},{"text":"Yeah.","start":150.0,"end":150.5,"sentiment":"neutral","sentiment_score":0.08644881844520569},{"text":"No.","start":158.355,"end":158.855,"sentiment":"neutral","sentiment_score":-0.196909561753273}],"sentiment":"neutral","sentiment_score":-0.008734120428562165,"num_words":5,"start":149.12001,"end":158.855},{"sentences":[{"text":"No.","start":158.915,"end":159.415,"sentiment":"neutral","sentiment_score":-0.23491349816322327},{"text":"No.","start":160.435,"end":160.83499,"sentiment":"neutral","sentiment_score":-0.2917627990245819},{"text":"I haven't, actually.","start":160.83499,"end":161.89499,"sentiment":"neutral","sentiment_score":-0.32665709654490155},{"text":"It's it's hard.","start":163.075,"end":164.295,"sentiment":"negative","sentiment_score":-0.37998369336128235},{"text":"Yeah.","start":166.32,"end":166.82,"sentiment":"neutral","sentiment_score":0.043594926595687866}],"sentiment":"neutral","sentiment_score":-0.28922263781229657,"num_words":9,"start":158.915,"end":166.82},{"sentences":[{"text":"Yes.","start":180.08,"end":180.16,"sentiment":"neutral","sentiment_score":0.1603095531463623},{"text":"Alright.","start":180.16,"end":180.64001,"sentiment":"neutral","sentiment_score":0.2902147173881531},{"text":"Cool.","start":180.64001,"end":181.14001,"sentiment":"positive","sentiment_score":0.4620400965213776},{"text":"Yep.","start":191.595,"end":192.095,"sentiment":"neutral","sentiment_score":0.06510286778211594},{"text":"Yeah.","start":196.15001,"end":196.39,"sentiment":"neutral","sentiment_score":0.030246328562498093}],"sentiment":"neutral","sentiment_score":0.2015827126801014,"num_words":5,"start":180.08,"end":196.39},{"sentences":[{"text":"That's...","start":196.39,"end":196.71,"sentiment":"neutral","sentiment_score":0.02748974971473217},{"text":"Yep.","start":196.71,"end":197.03,"sentiment":"neutral","sentiment_score":0.06298540532588959},{"text":"That's correct.","start":197.03,"end":197.85,"sentiment":"neutral","sentiment_score":0.12023507803678513},{"text":"My annual income with Exactors?","start":205.75,"end":208.41,"sentiment":"neutral","sentiment_score":0.017418994382023812},{"text":"No.","start":215.485,"end":215.80501,"sentiment":"neutral","sentiment_score":-0.08808452636003494}],"sentiment":"neutral","sentiment_score":0.032995575666427614,"num_words":10,"start":196.39,"end":215.80501},{"sentences":[{"text":"Not with the Exact.","start":215.80501,"end":217.265,"sentiment":"neutral","sentiment_score":-0.07077867165207863},{"text":"It will...","start":218.205,"end":218.765,"sentiment":"neutral","sentiment_score":-0.06489758938550949},{"text":"It's 68.","start":218.765,"end":220.95,"sentiment":"neutral","sentiment_score":-0.019020555540919304},{"text":"Yeah.","start":234.805,"end":235.125,"sentiment":"neutral","sentiment_score":-0.004552247002720833},{"text":"Because Rexel, that was a project project's job where Exact Cleaning is more sales support and front desk administration work.","start":235.125,"end":255.07999,"sentiment":"neutral","sentiment_score":0.021486267214640975}],"sentiment":"neutral","sentiment_score":-0.0008888923852094289,"num_words":29,"start":215.80501,"end":255.07999},{"sentences":[{"text":"Yeah.","start":255.37999,"end":255.87999,"sentiment":"neutral","sentiment_score":0.15708759427070618},{"text":"All office based.","start":255.93999,"end":257.24,"sentiment":"neutral","sentiment_score":0.14540265997250876},{"text":"I have...","start":270.495,"end":270.975,"sentiment":"neutral","sentiment_score":-0.04980321042239666},{"text":"I'm real...","start":270.975,"end":271.695,"sentiment":"neutral","sentiment_score":-0.06523900479078293},{"text":"Not really.","start":271.695,"end":272.435,"sentiment":"neutral","sentiment_score":-0.26463545858860016}],"sentiment":"neutral","sentiment_score":-0.016605977341532706,"num_words":10,"start":255.37999,"end":272.435},{"sentences":[{"text":"Yeah.","start":284.34,"end":284.84,"sentiment":"neutral","sentiment_score":0.07619429379701614},{"text":"Nah.","start":298.48502,"end":298.98502,"sentiment":"neutral","sentiment_score":-0.04659578949213028},{"text":"No.","start":299.24,"end":299.32,"sentiment":"neutral","sentiment_score":-0.11420559883117676},{"text":"I'm just doing...","start":299.32,"end":300.04,"sentiment":"neutral","sentiment_score":-0.13716702411572138},{"text":"I just own my car.","start":300.04,"end":301.34,"sentiment":"neutral","sentiment_score":-0.1742407739162445}],"sentiment":"neutral","sentiment_score":-0.12430109422315251,"num_words":11,"start":284.34,"end":301.34},{"sentences":[{"text":"Which what?","start":313.72,"end":314.28,"sentiment":"neutral","sentiment_score":-0.042561255395412445},{"text":"Sorry.","start":314.28,"end":314.745,"sentiment":"neutral","sentiment_score":-0.05989638715982437},{"text":"Oh, yeah.","start":318.905,"end":319.305,"sentiment":"neutral","sentiment_score":-0.03204300254583359},{"text":"I did look into that, but I haven't actually done anything because I think I couldn't put my nephew as a, like...","start":319.305,"end":332.73,"sentiment":"neutral","sentiment_score":-0.0974413813515143},{"text":"Yeah.","start":335.11002,"end":335.61002,"sentiment":"neutral","sentiment_score":-0.04117316007614136}],"sentiment":"neutral","sentiment_score":-0.08549958760184902,"num_words":28,"start":313.72,"end":335.61002},{"sentences":[{"text":"For him to have my stuff or whatever because he's my nephew, not...","start":335.99002,"end":339.51,"sentiment":"neutral","sentiment_score":-0.057031588485607736},{"text":"Has to be a partner or something like that or a parent.","start":339.51,"end":342.73,"sentiment":"neutral","sentiment_score":-0.057654734080036484},{"text":"That's my...","start":344.755,"end":345.415,"sentiment":"neutral","sentiment_score":0.0006170200649648905},{"text":"Yeah.","start":346.035,"end":346.535,"sentiment":"neutral","sentiment_score":-0.009220028296113014},{"text":"Yeah.","start":347.155,"end":347.655,"sentiment":"neutral","sentiment_score":-0.026812229305505753}],"sentiment":"neutral","sentiment_score":-0.05062295437051818,"num_words":29,"start":335.99002,"end":347.655},{"sentences":[{"text":"Yeah.","start":350.515,"end":351.015,"sentiment":"neutral","sentiment_score":0.029127273708581924},{"text":"Yes.","start":351.23502,"end":351.73502,"sentiment":"neutral","sentiment_score":0.0909873992204666},{"text":"So that's as far as I've gotten.","start":352.435,"end":354.11502,"sentiment":"neutral","sentiment_score":0.06882108322211675},{"text":"I didn't actually put anything on paper.","start":354.11502,"end":356.215,"sentiment":"neutral","sentiment_score":-0.06837094947695732},{"text":"Yeah.","start":374.995,"end":375.395,"sentiment":"neutral","sentiment_score":0.01609087735414505}],"sentiment":"neutral","sentiment_score":0.008197440382312326,"num_words":17,"start":350.515,"end":375.395},{"sentences":[{"text":"Yeah.","start":375.395,"end":375.895,"sentiment":"neutral","sentiment_score":0.011607717722654344},{"text":"Yeah.","start":376.355,"end":376.675,"sentiment":"neutral","sentiment_score":0.09660561382770538},{"text":"Yeah.","start":376.675,"end":377.075,"sentiment":"neutral","sentiment_score":0.23250269889831543},{"text":"That'll be that'll be good.","start":377.075,"end":378.615,"sentiment":"positive","sentiment_score":0.5419763624668121},{"text":"Yeah.","start":389.74,"end":390.24,"sentiment":"neutral","sentiment_score":0.08959698677062988}],"sentiment":"positive","sentiment_score":0.34891053661704063,"num_words":9,"start":375.395,"end":390.24},{"sentences":[{"text":"Yeah.","start":394.22,"end":394.54,"sentiment":"neutral","sentiment_score":0.13516221940517426},{"text":"Alright.","start":394.54,"end":395.02,"sentiment":"neutral","sentiment_score":0.26371651887893677},{"text":"Cool.","start":395.02,"end":395.355,"sentiment":"positive","sentiment_score":0.47462061047554016},{"text":"Yeah.","start":397.915,"end":398.155,"sentiment":"neutral","sentiment_score":0.12544964253902435},{"text":"I don't know if...","start":398.155,"end":400.875,"sentiment":"neutral","sentiment_score":-0.07124679256230593}],"sentiment":"neutral","sentiment_score":0.08924522763118148,"num_words":8,"start":394.22,"end":400.875},{"sentences":[{"text":"Yeah.","start":400.875,"end":401.375,"sentiment":"neutral","sentiment_score":-0.020738979801535606},{"text":"Mate...","start":401.435,"end":401.595,"sentiment":"neutral","sentiment_score":-0.024338169023394585},{"text":"Yeah.","start":401.595,"end":401.83502,"sentiment":"neutral","sentiment_score":-0.027160746976733208},{"text":"Maybe do check that because I don't know about if we did do that or we're gonna do that last time.","start":401.83502,"end":407.535,"sentiment":"neutral","sentiment_score":-0.08546176233461925},{"text":"Cool.","start":417.75,"end":418.15002,"sentiment":"neutral","sentiment_score":0.2938293218612671}],"sentiment":"neutral","sentiment_score":-0.06292422331869602,"num_words":25,"start":400.875,"end":418.15002},{"sentences":[{"text":"Yep.","start":418.15002,"end":418.65002,"sentiment":"neutral","sentiment_score":0.2500561475753784},{"text":"Yeah.","start":427.395,"end":427.895,"sentiment":"neutral","sentiment_score":0.2126045823097229},{"text":"What do I click on?","start":455.295,"end":456.255,"sentiment":"neutral","sentiment_score":-0.005027839168906212},{"text":"Because the other...","start":456.255,"end":457.135,"sentiment":"neutral","sentiment_score":-0.01862081264456113},{"text":"There's no attachment to the one that you sent me.","start":457.135,"end":462.31,"sentiment":"neutral","sentiment_score":-0.04305547121912241}],"sentiment":"neutral","sentiment_score":-0.0024447808042168616,"num_words":20,"start":418.15002,"end":462.31},{"sentences":[{"text":"Oh, okay.","start":470.05,"end":470.69,"sentiment":"neutral","sentiment_score":0.04573879763484001},{"text":"Yep.","start":470.69,"end":471.19,"sentiment":"neutral","sentiment_score":-0.016963575035333633},{"text":"Cool.","start":473.475,"end":473.975,"sentiment":"neutral","sentiment_score":0.24368254840373993},{"text":"I've just pressed on it now.","start":474.83502,"end":476.375,"sentiment":"neutral","sentiment_score":0.09575863058368365},{"text":"Oh, yeah.","start":487.15503,"end":487.795,"sentiment":"neutral","sentiment_score":0.11837490648031235}],"sentiment":"neutral","sentiment_score":0.09412484709173441,"num_words":12,"start":470.05,"end":487.795},{"sentences":[{"text":"Yep.","start":487.795,"end":488.25,"sentiment":"neutral","sentiment_score":0.1640404760837555},{"text":"I've got the summary of superannuation insurance, the twenty eighth, the twenty sixth, hub, and direct.","start":488.41,"end":496.03,"sentiment":"neutral","sentiment_score":0.17900576535612345},{"text":"Yep.","start":500.57,"end":501.07,"sentiment":"neutral","sentiment_score":0.16984574496746063},{"text":"Yeah.","start":505.975,"end":506.475,"sentiment":"neutral","sentiment_score":0.13472893834114075},{"text":"No.","start":517.01,"end":517.33,"sentiment":"neutral","sentiment_score":-0.19176897406578064}],"sentiment":"neutral","sentiment_score":0.15704692155122757,"num_words":20,"start":487.795,"end":517.33},{"sentences":[{"text":"That that should be alright.","start":517.33,"end":518.87,"sentiment":"neutral","sentiment_score":-0.07544555068016053},{"text":"Yep.","start":538.215,"end":538.715,"sentiment":"neutral","sentiment_score":-0.015939686447381973},{"text":"Oh, okay.","start":543.015,"end":543.755,"sentiment":"neutral","sentiment_score":-0.02200021967291832},{"text":"So...","start":555.82996,"end":556.32996,"sentiment":"neutral","sentiment_score":-0.017510533332824707},{"text":"Yeah.","start":556.55,"end":557.05,"sentiment":"neutral","sentiment_score":0.004058061167597771}],"sentiment":"neutral","sentiment_score":-0.04506203513592481,"num_words":10,"start":517.33,"end":557.05},{"sentences":[{"text":"I think so.","start":558.355,"end":559.15497,"sentiment":"neutral","sentiment_score":0.0028759830941756568},{"text":"Yeah.","start":559.15497,"end":559.65497,"sentiment":"neutral","sentiment_score":0.011715522967278956},{"text":"Yeah.","start":569.15497,"end":569.65497,"sentiment":"neutral","sentiment_score":0.026116302236914635},{"text":"Yep.","start":572.55,"end":573.05,"sentiment":"neutral","sentiment_score":0.11839798092842102},{"text":"Oh, okay.","start":579.67,"end":580.31,"sentiment":"neutral","sentiment_score":0.051312586292624474}],"sentiment":"neutral","sentiment_score":0.033435366000048816,"num_words":8,"start":558.355,"end":580.31},{"sentences":[{"text":"Yeah.","start":580.31,"end":580.55,"sentiment":"neutral","sentiment_score":0.0444006621837616},{"text":"Yeah.","start":580.55,"end":580.79,"sentiment":"neutral","sentiment_score":0.06127212941646576},{"text":"I get it.","start":580.79,"end":581.685,"sentiment":"neutral","sentiment_score":0.06550951798756917},{"text":"Okay.","start":592.485,"end":592.985,"sentiment":"neutral","sentiment_score":0.029270146042108536},{"text":"Yep.","start":593.045,"end":593.545,"sentiment":"neutral","sentiment_score":0.05166836082935333}],"sentiment":"neutral","sentiment_score":0.05473426463348525,"num_words":7,"start":580.31,"end":593.545},{"sentences":[{"text":"Funny you say that.","start":601.23,"end":602.43,"sentiment":"neutral","sentiment_score":-0.14169560372829437},{"text":"I didn't get it off a a job offer yesterday.","start":602.43,"end":605.17,"sentiment":"neutral","sentiment_score":-0.19460630863904954},{"text":"Absolutely.","start":610.60504,"end":611.10504,"sentiment":"positive","sentiment_score":0.3951289057731629},{"text":"Heaps more.","start":611.965,"end":612.60504,"sentiment":"neutral","sentiment_score":0.2935219258069992},{"text":"I'm hoping, but, yeah, I've gotta call them back.","start":612.60504,"end":615.645,"sentiment":"neutral","sentiment_score":0.04944884611500634}],"sentiment":"neutral","sentiment_score":-0.041755120341594405,"num_words":26,"start":601.23,"end":615.645},{"sentences":[{"text":"I'm gonna call them tomorrow and find out a bit more about it.","start":615.645,"end":618.78503,"sentiment":"neutral","sentiment_score":0.09721774951769756},{"text":"Yeah.","start":628.48004,"end":628.96,"sentiment":"neutral","sentiment_score":0.035708628594875336},{"text":"Maybe that'll be easier because, yeah, it's not not set in stone yet.","start":628.96,"end":632.9,"sentiment":"neutral","sentiment_score":0.036944666447547764},{"text":"Okay.","start":644.40497,"end":644.90497,"sentiment":"neutral","sentiment_score":0.05575629323720932},{"text":"Yep.","start":645.605,"end":646.105,"sentiment":"neutral","sentiment_score":0.2698291540145874}],"sentiment":"neutral","sentiment_score":0.07260018908258142,"num_words":29,"start":615.645,"end":646.105},{"sentences":[{"text":"Yes.","start":661.35,"end":661.85,"sentiment":"neutral","sentiment_score":-0.14530149102211},{"text":"Yeah.","start":664.825,"end":665.325,"sentiment":"neutral","sentiment_score":-0.028575390577316284},{"text":"For smoke...","start":681.56,"end":682.19995,"sentiment":"neutral","sentiment_score":-0.05645010620355606},{"text":"Like, if I'm gonna give up smoking?","start":682.19995,"end":684.06,"sentiment":"neutral","sentiment_score":-0.1172570703285081},{"text":"I'm sorry.","start":688.935,"end":689.675,"sentiment":"neutral","sentiment_score":-0.08921376243233681}],"sentiment":"neutral","sentiment_score":-0.0989233931669822,"num_words":13,"start":661.35,"end":689.675},{"sentences":[{"text":"But...","start":689.735,"end":689.97504,"sentiment":"neutral","sentiment_score":-0.054825205355882645},{"text":"No.","start":689.97504,"end":690.215,"sentiment":"neutral","sentiment_score":-0.17915210127830505},{"text":"And I'm I'm still smoking, and I probably won't plan on not smoking depending on what happens with the pricing if it goes up anymore.","start":690.215,"end":698.155,"sentiment":"neutral","sentiment_score":-0.23316039860248566},{"text":"Yeah.","start":708.45996,"end":708.95996,"sentiment":"neutral","sentiment_score":-0.0509735532104969},{"text":"Yes.","start":716.22,"end":716.72,"sentiment":"neutral","sentiment_score":0.040876902639865875}],"sentiment":"neutral","sentiment_score":-0.20941668697472277,"num_words":29,"start":689.735,"end":716.72},{"sentences":[{"text":"Okay.","start":727.625,"end":728.025,"sentiment":"neutral","sentiment_score":0.09753035008907318},{"text":"Yep.","start":728.025,"end":728.525,"sentiment":"neutral","sentiment_score":0.20073185861110687},{"text":"Oh, yep.","start":741.48,"end":742.14,"sentiment":"neutral","sentiment_score":0.07126201689243317},{"text":"Enlarge it a bit.","start":745.735,"end":746.955,"sentiment":"neutral","sentiment_score":0.056259400211274624},{"text":"I'm on my phone, so I'm just trying to enlarge our performance with IRA, is it?","start":755.495,"end":762.41,"sentiment":"neutral","sentiment_score":0.012150347465649247}],"sentiment":"neutral","sentiment_score":0.0358428917825222,"num_words":24,"start":727.625,"end":762.41},{"sentences":[{"text":"Yes.","start":783.315,"end":783.815,"sentiment":"neutral","sentiment_score":0.1215066909790039},{"text":"Okay.","start":806.46497,"end":806.96497,"sentiment":"neutral","sentiment_score":0.15570670366287231},{"text":"Yes.","start":822.0,"end":822.5,"sentiment":"positive","sentiment_score":0.3363052010536194},{"text":"Yes.","start":834.255,"end":834.755,"sentiment":"neutral","sentiment_score":0.29536497592926025},{"text":"Oh, yeah.","start":846.39,"end":847.05,"sentiment":"neutral","sentiment_score":0.15852126479148865}],"sentiment":"neutral","sentiment_score":0.20432101686795553,"num_words":6,"start":783.315,"end":847.05},{"sentences":[{"text":"Yeah.","start":861.11505,"end":861.42,"sentiment":"neutral","sentiment_score":0.06887312233448029},{"text":"I haven't lately, actually, but I I was previously.","start":879.13495,"end":883.15497,"sentiment":"neutral","sentiment_score":-0.07597483942906062},{"text":"Yes.","start":902.65,"end":903.15,"sentiment":"neutral","sentiment_score":0.1380476355552673},{"text":"Yeah.","start":907.375,"end":907.875,"sentiment":"neutral","sentiment_score":0.07653473317623138},{"text":"Yeah.","start":917.215,"end":917.715,"sentiment":"neutral","sentiment_score":0.009291514754295347}],"sentiment":"neutral","sentiment_score":-0.030078965310867015,"num_words":13,"start":861.11505,"end":917.715},{"sentences":[{"text":"Okay.","start":920.7,"end":921.2,"sentiment":"neutral","sentiment_score":0.06707792729139328},{"text":"Yeah.","start":931.92505,"end":932.405,"sentiment":"neutral","sentiment_score":0.01862270012497902},{"text":"The...","start":932.405,"end":932.905,"sentiment":"neutral","sentiment_score":0.0023491382598876953},{"text":"Oh, very top of...","start":933.92505,"end":935.68506,"sentiment":"neutral","sentiment_score":0.029455528361722827},{"text":"Oh, yeah.","start":935.68506,"end":935.92505,"sentiment":"neutral","sentiment_score":0.06756730191409588}],"sentiment":"neutral","sentiment_score":0.037889609216815896,"num_words":9,"start":920.7,"end":935.92505},{"sentences":[{"text":"Very top.","start":935.92505,"end":936.48505,"sentiment":"neutral","sentiment_score":0.11716610565781593},{"text":"The 17...","start":936.48505,"end":937.60504,"sentiment":"neutral","sentiment_score":0.02942825574427843},{"text":"What is it?","start":937.60504,"end":938.325,"sentiment":"neutral","sentiment_score":0.014639790480335554},{"text":"Four nine.","start":938.325,"end":939.145,"sentiment":"neutral","sentiment_score":0.018620483111590147},{"text":"Point two six.","start":942.965,"end":944.1,"sentiment":"neutral","sentiment_score":0.06172355699042479}],"sentiment":"neutral","sentiment_score":0.04662664428663751,"num_words":12,"start":935.92505,"end":944.1},{"sentences":[{"text":"Yep.","start":954.42,"end":954.92,"sentiment":"neutral","sentiment_score":-0.01930651068687439},{"text":"Yep.","start":969.345,"end":969.845,"sentiment":"neutral","sentiment_score":0.04349611699581146},{"text":"Yep.","start":987.925,"end":988.425,"sentiment":"neutral","sentiment_score":0.07379993051290512},{"text":"Whatever you think.","start":988.885,"end":989.945,"sentiment":"neutral","sentiment_score":0.07029053196310997},{"text":"Yeah.","start":990.005,"end":990.505,"sentiment":"neutral","sentiment_score":0.21610021591186523}],"sentiment":"neutral","sentiment_score":0.07499447837471962,"num_words":7,"start":954.42,"end":990.505},{"sentences":[{"text":"Yeah.","start":1001.29004,"end":1001.53,"sentiment":"neutral","sentiment_score":0.08006694912910461},{"text":"What...","start":1001.53,"end":1001.93,"sentiment":"neutral","sentiment_score":0.05386510118842125},{"text":"Yeah.","start":1001.93,"end":1002.25,"sentiment":"neutral","sentiment_score":0.14593657851219177},{"text":"Whatever gives me the best outcome.","start":1002.25,"end":1004.51,"sentiment":"neutral","sentiment_score":0.18518496553103128},{"text":"Yes.","start":1014.025,"end":1014.525,"sentiment":"neutral","sentiment_score":0.07067649066448212}],"sentiment":"neutral","sentiment_score":0.14616549126803874,"num_words":10,"start":1001.29004,"end":1014.525},{"sentences":[{"text":"Yep.","start":1026.39,"end":1026.89,"sentiment":"neutral","sentiment_score":0.10527794063091278},{"text":"Alright.","start":1029.83,"end":1030.33,"sentiment":"neutral","sentiment_score":0.16771090030670166},{"text":"As much as I understand it.","start":1036.225,"end":1037.745,"sentiment":"neutral","sentiment_score":0.030786126231153805},{"text":"Yeah.","start":1037.745,"end":1038.245,"sentiment":"neutral","sentiment_score":0.18194830417633057},{"text":"Mhmm.","start":1058.4,"end":1058.9,"sentiment":"neutral","sentiment_score":0.007018790580332279}],"sentiment":"neutral","sentiment_score":0.06466726930812002,"num_words":10,"start":1026.39,"end":1058.9},{"sentences":[{"text":"Yes.","start":1064.3201,"end":1064.655,"sentiment":"neutral","sentiment_score":0.024029597640037537},{"text":"No.","start":1072.415,"end":1072.655,"sentiment":"negative","sentiment_score":-0.46404898166656494},{"text":"I'm happy to stay where I am.","start":1072.655,"end":1074.515,"sentiment":"negative","sentiment_score":-0.36630699038505554},{"text":"Alright.","start":1082.6,"end":1083.0,"sentiment":"positive","sentiment_score":0.5714770555496216},{"text":"Cool.","start":1083.0,"end":1083.5,"sentiment":"positive","sentiment_score":0.7900484204292297}],"sentiment":"neutral","sentiment_score":-0.14933116734027863,"num_words":11,"start":1064.3201,"end":1083.5},{"sentences":[{"text":"So next document.","start":1093.735,"end":1095.5684,"sentiment":"neutral","sentiment_score":0.02401069241265456},{"text":"Oh, yep.","start":1095.735,"end":1096.395,"sentiment":"neutral","sentiment_score":0.04721212014555931},{"text":"Yes.","start":1103.8301,"end":1104.3301,"sentiment":"neutral","sentiment_score":0.09508619457483292},{"text":"Yes.","start":1118.15,"end":1118.65,"sentiment":"neutral","sentiment_score":0.12241166085004808},{"text":"I've got the certificate of currency, and then you said next document.","start":1135.1699,"end":1139.91,"sentiment":"neutral","sentiment_score":0.05204046688353022}],"sentiment":"neutral","sentiment_score":0.05307577766085926,"num_words":19,"start":1093.735,"end":1139.91},{"sentences":[{"text":"Oh, is that the the blue one?","start":1141.33,"end":1143.09,"sentiment":"neutral","sentiment_score":0.011650890444538422},{"text":"I view service guide one?","start":1143.09,"end":1146.285,"sentiment":"neutral","sentiment_score":0.002403129171580076},{"text":"Yeah.","start":1146.825,"end":1147.225,"sentiment":"neutral","sentiment_score":0.016127021983265877},{"text":"The...","start":1147.225,"end":1147.725,"sentiment":"neutral","sentiment_score":0.003171951975673437},{"text":"Yeah.","start":1148.905,"end":1149.405,"sentiment":"neutral","sentiment_score":0.012929642572999}],"sentiment":"neutral","sentiment_score":0.008386699700107176,"num_words":15,"start":1141.33,"end":1149.405},{"sentences":[{"text":"I reckon I can...","start":1174.1449,"end":1175.1849,"sentiment":"neutral","sentiment_score":0.013086431194096804},{"text":"I'll just...","start":1175.1849,"end":1175.585,"sentiment":"neutral","sentiment_score":0.01423665788024664},{"text":"I've just zoomed in to see the page numbers.","start":1175.585,"end":1178.1449,"sentiment":"neutral","sentiment_score":0.019425755884084437},{"text":"So 13, did you say?","start":1178.1449,"end":1179.9249,"sentiment":"neutral","sentiment_score":0.007110149972140789},{"text":"Paying charges.","start":1211.655,"end":1212.555,"sentiment":"neutral","sentiment_score":-0.07430913299322128}],"sentiment":"neutral","sentiment_score":0.006481060334904628,"num_words":22,"start":1174.1449,"end":1212.555},{"sentences":[{"text":"I've gone too far, paying charges?","start":1212.935,"end":1214.875,"sentiment":"neutral","sentiment_score":-0.1356226106484731},{"text":"Individual clients?","start":1215.0951,"end":1216.395,"sentiment":"neutral","sentiment_score":-0.0826745443046093},{"text":"I just hit the financial advice.","start":1238.025,"end":1240.365,"sentiment":"neutral","sentiment_score":0.01831817626953125},{"text":"I reckon that you've talked to before.","start":1240.425,"end":1242.365,"sentiment":"neutral","sentiment_score":0.01627547453556742},{"text":"Oh, well, let me get it.","start":1246.4401,"end":1247.56,"sentiment":"neutral","sentiment_score":0.14340358103315035}],"sentiment":"neutral","sentiment_score":0.003895337520926087,"num_words":27,"start":1212.935,"end":1247.56},{"sentences":[{"text":"What what...","start":1247.56,"end":1249.26,"sentiment":"neutral","sentiment_score":0.023532778024673462},{"text":"Oh, so that's the last page, the financial advice.","start":1249.3201,"end":1252.3,"sentiment":"neutral","sentiment_score":0.02082396588391728},{"text":"I'm on the last page.","start":1254.1201,"end":1255.3401,"sentiment":"neutral","sentiment_score":0.01755478959530592},{"text":"Yeah.","start":1269.61,"end":1270.11,"sentiment":"neutral","sentiment_score":-0.04218895733356476},{"text":"What is that?","start":1280.4099,"end":1281.3099,"sentiment":"neutral","sentiment_score":-0.02245175962646802}],"sentiment":"neutral","sentiment_score":0.01063554803840816,"num_words":20,"start":1247.56,"end":1281.3099},{"sentences":[{"text":"Oh, about...","start":1281.85,"end":1282.57,"sentiment":"neutral","sentiment_score":-0.045865437015891075},{"text":"Oh, it's been a challenge.","start":1282.57,"end":1283.61,"sentiment":"neutral","sentiment_score":-0.22400320172309876},{"text":"Is that what you just said?","start":1283.61,"end":1285.005,"sentiment":"neutral","sentiment_score":-0.16770430902640024},{"text":"Yep.","start":1293.965,"end":1294.465,"sentiment":"neutral","sentiment_score":-0.029032044112682343},{"text":"Oh, yeah.","start":1305.3301,"end":1306.0701,"sentiment":"neutral","sentiment_score":0.01962080132216215}],"sentiment":"neutral","sentiment_score":-0.13798519864212722,"num_words":16,"start":1281.85,"end":1306.0701},{"sentences":[{"text":"Yeah.","start":1306.1461,"end":1306.6461,"sentiment":"neutral","sentiment_score":0.02207939699292183},{"text":"Yeah.","start":1306.722,"end":1307.222,"sentiment":"neutral","sentiment_score":0.024578101933002472},{"text":"It's individual client ongoing, and then it's got the couple.","start":1307.2981,"end":1312.79,"sentiment":"neutral","sentiment_score":0.015329007431864739},{"text":"Yeah.","start":1313.675,"end":1314.175,"sentiment":"neutral","sentiment_score":0.06270553916692734},{"text":"Mhmm.","start":1328.075,"end":1328.575,"sentiment":"neutral","sentiment_score":0.08212408423423767}],"sentiment":"neutral","sentiment_score":0.024626942617552623,"num_words":14,"start":1306.1461,"end":1328.575},{"sentences":[{"text":"Yep.","start":1352.565,"end":1352.6449,"sentiment":"neutral","sentiment_score":0.20417913794517517},{"text":"Yes.","start":1352.6449,"end":1353.1449,"sentiment":"positive","sentiment_score":0.33360910415649414},{"text":"Yep.","start":1362.15,"end":1362.65,"sentiment":"neutral","sentiment_score":0.2433915734291077},{"text":"Yep.","start":1367.5901,"end":1368.0901,"sentiment":"neutral","sentiment_score":0.12174920737743378},{"text":"Yep.","start":1369.27,"end":1369.75,"sentiment":"neutral","sentiment_score":0.2480389773845673}],"sentiment":"neutral","sentiment_score":0.2301936000585556,"num_words":5,"start":1352.565,"end":1369.75},{"sentences":[{"text":"Brings me on.","start":1369.75,"end":1371.275,"sentiment":"neutral","sentiment_score":0.21534560372432074},{"text":"Yeah.","start":1373.015,"end":1373.3351,"sentiment":"neutral","sentiment_score":0.050942324101924896},{"text":"Consent, and I'm going free...","start":1373.3351,"end":1375.355,"sentiment":"neutral","sentiment_score":0.04020972475409508},{"text":"Not free.","start":1375.895,"end":1376.715,"sentiment":"neutral","sentiment_score":-0.07213994488120079},{"text":"Free arrangement.","start":1376.775,"end":1377.515,"sentiment":"neutral","sentiment_score":-0.04393128305673599}],"sentiment":"neutral","sentiment_score":0.05122194639765299,"num_words":13,"start":1369.75,"end":1377.515},{"sentences":[{"text":"Free.","start":1382.215,"end":1382.6951,"sentiment":"neutral","sentiment_score":0.03898970037698746},{"text":"Free.","start":1382.6951,"end":1383.1951,"sentiment":"neutral","sentiment_score":0.057378944009542465},{"text":"Okay.","start":1397.4401,"end":1397.9401,"sentiment":"neutral","sentiment_score":0.0941980928182602},{"text":"And it says sign the lawyer.","start":1400.8351,"end":1403.415,"sentiment":"neutral","sentiment_score":0.06486448831856251},{"text":"Wherever I will find it.","start":1404.115,"end":1406.8351,"sentiment":"neutral","sentiment_score":0.05558014214038849}],"sentiment":"neutral","sentiment_score":0.06126102698700769,"num_words":14,"start":1382.215,"end":1406.8351},{"sentences":[{"text":"Signatures here.","start":1406.8351,"end":1407.875,"sentiment":"neutral","sentiment_score":0.07729765772819519},{"text":"So I can just click on that and add my.","start":1407.875,"end":1410.6951,"sentiment":"neutral","sentiment_score":0.09474393799901008},{"text":"Let's go.","start":1414.2001,"end":1415.1,"sentiment":"neutral","sentiment_score":0.30747830867767334},{"text":"So once I've signed it...","start":1420.36,"end":1422.86,"sentiment":"neutral","sentiment_score":0.07319826856255532},{"text":"Oh, what's the date?","start":1423.0,"end":1424.14,"sentiment":"neutral","sentiment_score":0.016229145228862762}],"sentiment":"neutral","sentiment_score":0.09338692332739415,"num_words":23,"start":1406.8351,"end":1424.14},{"sentences":[{"text":"Yep.","start":1425.535,"end":1425.775,"sentiment":"neutral","sentiment_score":0.04853421449661255},{"text":"That's the right date.","start":1425.775,"end":1426.995,"sentiment":"neutral","sentiment_score":0.042571527883410454},{"text":"Date of birth.","start":1428.335,"end":1429.395,"sentiment":"neutral","sentiment_score":0.017671986172596615},{"text":"Oh, is it my date of...","start":1431.6951,"end":1432.735,"sentiment":"neutral","sentiment_score":0.005209511145949364},{"text":"No.","start":1432.735,"end":1433.235,"sentiment":"neutral","sentiment_score":-0.06620804220438004}],"sentiment":"neutral","sentiment_score":0.015792353947957357,"num_words":15,"start":1425.535,"end":1433.235},{"sentences":[{"text":"It's the...","start":1433.375,"end":1433.855,"sentiment":"neutral","sentiment_score":-0.043997086584568024},{"text":"Oh, no.","start":1433.855,"end":1434.175,"sentiment":"neutral","sentiment_score":-0.05845521576702595},{"text":"The date's gone on there.","start":1434.175,"end":1435.535,"sentiment":"neutral","sentiment_score":-0.03262970112264156},{"text":"So it's just signing it and date.","start":1435.535,"end":1437.3151,"sentiment":"neutral","sentiment_score":0.0009228390242372243},{"text":"Yeah.","start":1438.975,"end":1439.295,"sentiment":"neutral","sentiment_score":0.059164442121982574}],"sentiment":"neutral","sentiment_score":-0.017789929119103095,"num_words":17,"start":1433.375,"end":1439.295},{"sentences":[{"text":"That's it.","start":1439.295,"end":1440.035,"sentiment":"neutral","sentiment_score":0.0653667226433754},{"text":"You were holding on to it beforehand?","start":1460.785,"end":1462.405,"sentiment":"neutral","sentiment_score":-0.03207948112062046},{"text":"Yeah.","start":1466.9451,"end":1467.4451,"sentiment":"neutral","sentiment_score":0.053084127604961395},{"text":"Yes.","start":1467.5851,"end":1468.0851,"sentiment":"neutral","sentiment_score":0.05771863833069801},{"text":"Just click validate on the......","start":1470.19,"end":1471.63,"sentiment":"neutral","sentiment_score":0.09363454282283783}],"sentiment":"neutral","sentiment_score":0.03032203484326601,"num_words":16,"start":1439.295,"end":1471.63},{"sentences":[{"text":"One.","start":1471.63,"end":1472.13,"sentiment":"neutral","sentiment_score":0.08526713401079178},{"text":"Yep.","start":1478.99,"end":1479.49,"sentiment":"neutral","sentiment_score":0.22485867142677307},{"text":"Alright.","start":1487.2151,"end":1487.7151,"sentiment":"positive","sentiment_score":0.3417825698852539},{"text":"Yep.","start":1496.5751,"end":1497.0751,"sentiment":"neutral","sentiment_score":0.06802066415548325},{"text":"Yep.","start":1500.8601,"end":1501.3601,"sentiment":"neutral","sentiment_score":0.13375750184059143}],"sentiment":"neutral","sentiment_score":0.1707373082637787,"num_words":5,"start":1471.63,"end":1501.3601},{"sentences":[{"text":"Alright.","start":1505.42,"end":1505.9,"sentiment":"neutral","sentiment_score":0.32708585262298584},{"text":"Sounds good.","start":1505.9,"end":1506.7201,"sentiment":"positive","sentiment_score":0.7087047100067139},{"text":"No.","start":1510.7001,"end":1510.9401,"sentiment":"neutral","sentiment_score":-0.06657961755990982},{"text":"I'm I'm all good.","start":1510.9401,"end":1511.8201,"sentiment":"neutral","sentiment_score":0.26848441921174526},{"text":"Thank you.","start":1511.8201,"end":1512.555,"sentiment":"positive","sentiment_score":0.7072096765041351}],"sentiment":"positive","sentiment_score":0.4166272684931755,"num_words":10,"start":1505.42,"end":1512.555},{"sentences":[{"text":"That's it.","start":1516.9551,"end":1517.6951,"sentiment":"positive","sentiment_score":0.4892885982990265},{"text":"Okay.","start":1518.795,"end":1519.275,"sentiment":"neutral","sentiment_score":0.3115558624267578},{"text":"Cool.","start":1519.275,"end":1519.675,"sentiment":"positive","sentiment_score":0.49728700518608093},{"text":"No worries.","start":1519.675,"end":1520.0751,"sentiment":"positive","sentiment_score":0.33678679168224335},{"text":"Thanks, Tommy.","start":1520.0751,"end":1520.895,"sentiment":"positive","sentiment_score":0.6413439810276031}],"sentiment":"positive","sentiment_score":0.4679602012038231,"num_words":8,"start":1516.9551,"end":1520.895},{"sentences":[{"text":"Bye bye.","start":1524.395,"end":1525.055,"sentiment":"neutral","sentiment_score":0.06645340844988823}],"sentiment":"neutral","sentiment_score":0.06645340844988823,"num_words":2,"start":1524.395,"end":1525.055}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello, Tommy? Can you hear me? Hello? Okay.\n\nChannel 0: Hello. This is Tommy speaking.\n\nChannel 1: Oh, Tommy. I I was just talking. I couldn't hear you. It's Michelle, obviously. I have got Joanna\n\nChannel 0: Hello?\n\nChannel 1: on I've got Joanna on the phone. Are you able to take her\n\nChannel 0: Yeah. Absolutely. Pop her through when you're ready, man.\n\nChannel 1: call? Okay. I'm just gonna merge the calls. I won't do a soft handover. The next voice you'll hear will be...\n\nWell, it'll be you talking to her. Okay. Here you go. Thank you.\n\nChannel 0: Good evening, Joe. It's Tommy here. How are you doing?\n\nChannel 1: I'm alright. How are you?\n\nChannel 0: I'm doing fantastic. Thank you so much for calling me back in.\n\nChannel 1: That's alright.\n\nChannel 0: Perfect. We have each other now. I've got I've got a bit of an annual view packet sent through to you on your email. Just wondering if you'll have to look on that with me today, or should I just kind of walk you through what I'm sending?\n\nChannel 1: Yeah. You can do both if you want. Did you say you're sending it or you've sent it?\n\nChannel 0: Just sending it now. It usually takes a minute or so. It's got a bit of a few attachments there. But\n\nChannel 1: Yeah.\n\nChannel 0: I'm just sending it through to the the Hotmail that we have on file.\n\nChannel 1: Yep. Yep. That's good.\n\nChannel 0: Perfect. Before I jump into it, is there anything in particular that you were hoping to get out of this review?\n\nChannel 1: No. No. Just the normal stuff, I guess. Just nothing's really changed.\n\nChannel 0: Yeah. Just a bit of a general update, that kind of thing.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Awesome. So while that's coming through here, what I might do if you do have a pen is I might just update a few details that we've got on file, and then I can kind of jump into that pack with you. How's that then?\n\nChannel 1: Yep. Yeah. That... That's good.\n\nChannel 0: Perfect. So in terms of... Or start with goals to begin with, we had you kind of wanting to retire around about age 65 on about 1200 a week. We do have a few goals noted down to just obviously kind of build up a bit of a house deposit, purchase property, that kind of thing, being your your sort of main cash flow priority. Does that sound about right?\n\nChannel 1: Yeah. That... Yeah. That... Yeah.\n\nChannel 0: Cool. Have you managed any headway on that at the moment? I know the world's gone crazy and the cost of living through the roof, but have\n\nChannel 1: No.\n\nChannel 0: you come with\n\nChannel 1: No.\n\nChannel 0: the deposit?\n\nChannel 1: No. I haven't, actually. It's it's hard.\n\nChannel 0: That's totally so. It is. It\n\nChannel 1: Yeah.\n\nChannel 0: is. I talk to Australians every single day, and I think 90% of my calls is just how difficult it is at the moment. So I I can leave that on there as a bit of a five year goal for yourself, and I can always just keep an eye on that together.\n\nChannel 1: Yes. Alright. Cool.\n\nChannel 0: Perfect. Now in terms of the occupation side of things, now please forgive me. We do have a new system, and I'm just merging everything across.\n\nChannel 1: Yep.\n\nChannel 0: I have the employer listed down as exact cleaning and maintenance. Is that right?\n\nChannel 1: Yeah. That's... Yep. That's correct.\n\nChannel 0: Cool. And we did go through end of financial year recently. Do you know what the annual income is sitting out of the month?\n\nChannel 1: My annual income with Exactors?\n\nChannel 0: Yeah. I think we had you close to around the 80,000 miles. Is it close to that still?\n\nChannel 1: No. Not with the Exact. It will... It's 68.\n\nChannel 0: 68. I'll add that in. 68,000. And I'm assuming you're not doing a similar role as you were with Rexha. Is it still, like, project admin, or is it a bit different?\n\nChannel 1: Yeah. Because Rexel, that was a project project's job where Exact Cleaning is more sales support and front desk\n\nChannel 0: Yep.\n\nChannel 1: administration\n\nChannel 0: That'll support the front desk, and that's all just kind of office space, working from home over\n\nChannel 1: work.\n\nChannel 0: the phone.\n\nChannel 1: Yeah. All office based.\n\nChannel 0: All office space. Perfect. And you feel like you're able... I mean, you just said it was pretty hard, but are you able to set aside any savings at the moment per week that you're aiming for or not so much at the moment?\n\nChannel 1: I have... I'm real... Not really.\n\nChannel 0: Okay. I'll leave that. So, basically, I'm not gonna recommend any salary sacrifice to super or anything like that. If If you don't have the cash flow, we can come back to that later.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. In terms of assets and liabilities, we've got the motor vehicle there. Any other kind of... Any loans or or assets floating around, any cash or shares or anything?\n\nChannel 1: Nah. No. I'm just doing... I just\n\nChannel 0: No.\n\nChannel 1: own my car.\n\nChannel 0: Perfect. That's out right. And I know that you were having a bit of, like, a like, a will on your to do list. Did you put one of those in place?\n\nChannel 1: Which what? Sorry.\n\nChannel 0: Like, a a will and a power of attorney?\n\nChannel 1: Oh, yeah. I did look into that, but I haven't actually done anything because I think I couldn't put my nephew as a, like... Yeah. For him to have my stuff or whatever because he's my nephew, not... Has to be a partner or something like that or a parent.\n\nChannel 0: Oh, yeah. Yeah. You talked about the beneficiary\n\nChannel 1: That's my...\n\nChannel 0: nominations for\n\nChannel 1: Yeah.\n\nChannel 0: the super.\n\nChannel 1: Yeah.\n\nChannel 0: Has to be like a financial dependent or something like that.\n\nChannel 1: Yeah. Yes.\n\nChannel 0: Cool.\n\nChannel 1: So that's as far as\n\nChannel 0: One\n\nChannel 1: I've gotten. I didn't actually put anything on paper.\n\nChannel 0: thing I was gonna double check with you too is for the life insurance. I wasn't able to see it today with Zurich whether your nephew is listed on there. But if he's not... Like, life insurance go to anybody. Do you want do you want him listed for at least a 100,000\n\nChannel 1: Yeah.\n\nChannel 0: of the\n\nChannel 1: Yeah.\n\nChannel 0: life insurance? Or...\n\nChannel 1: Yeah. Yeah. That'll be that'll be good.\n\nChannel 0: Alrighty. I will have a little look at that. What I'll do is I'll get the team to kind of give Zurich a call when their office reopens tomorrow. And\n\nChannel 1: Yeah.\n\nChannel 0: if that's not on there, we'll get the form sent out to you to the life insurance.\n\nChannel 1: Yeah. Alright. Cool.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Outside\n\nChannel 1: I don't know\n\nChannel 0: of that, so the two\n\nChannel 1: if... Yeah. Mate... Yeah. Maybe do check that because I don't know about if we did do that or we're gonna do that last time.\n\nChannel 0: yeah. Cool. I'll I'll have a look and I'll let you know. The super still still got him on there at the moment, but if there's no one else to to nominate, I'll then have to touch it.\n\nChannel 1: Cool. Yep.\n\nChannel 0: Cool. I'll just quickly touch base on the insurance for a minute, and then we'll jump into the super there.\n\nChannel 1: Yeah.\n\nChannel 0: The the pack that I've sent you out, just to let you know what's kind of there, we've got a bit of a summary for the super insurances, your performance, the certificates of currency from Zurich for the life insurance, the disability, the income protection, a few service guides and consent forms from us, and a bit of a tax file number opt in form as well. Are you able to look onto that email with me at the moment, or how are you going to the\n\nChannel 1: What do I click on? Because the other... There's no attachment to the one that you sent me.\n\nChannel 0: tech side? Yeah. That's right. So with the Odoo system, if you actually click the sign button, it brings open all documents to scroll through.\n\nChannel 1: Oh, okay.\n\nChannel 0: It\n\nChannel 1: Yep.\n\nChannel 0: doesn't actually sign anything until the end.\n\nChannel 1: Cool. I've just pressed on it now.\n\nChannel 0: So it may take a second to load, but you should see our letterhead at the top of the first one for the super and insurance summary.\n\nChannel 1: Oh, yeah. Yep. I've got the summary of superannuation insurance, the twenty eighth, the twenty sixth, hub, and direct.\n\nChannel 0: That's the one. So\n\nChannel 1: Yep.\n\nChannel 0: with Zurich, you've got a 110,000 of life and disability insurance.\n\nChannel 1: Yeah.\n\nChannel 0: That's your your lump sum if you can never work again or you pass away. They're kind of linked together. And you wanted me to do any kind of changes or quotes for those amounts this year?\n\nChannel 1: No. That that should be alright.\n\nChannel 0: Cool. When it comes to the income protection, so I do a little bit of a a calculation work back. Now just bear in mind, they cover you for 70% of your income, and they're technically insuring you for an income of 72,000. You mentioned 68,000, so it's pretty\n\nChannel 1: Yep.\n\nChannel 0: close, but you're technically a tiny bit over insured with your current income.\n\nChannel 1: Oh, okay.\n\nChannel 0: Now it's one of the things where you can trim it down a little bit to try and get the premiums down. Probably wouldn't do too much, but does that sort of over insurance make sense?\n\nChannel 1: So... Yeah. I think so.\n\nChannel 0: If I\n\nChannel 1: Yeah.\n\nChannel 0: go 68070% in monthly... So, realistically, let's say you went on claim now and you said,\n\nChannel 1: Yeah.\n\nChannel 0: oh, here's my tax return. I'm on 68,000.\n\nChannel 1: Yep.\n\nChannel 0: They would pay you 4,000 a month instead of 4,200 a month because that's your your income on paper.\n\nChannel 1: Oh, okay. Yeah. Yeah. I get it.\n\nChannel 0: K? It's a thirty day waiting period. So if you're out of work for more than a month, so, you know, illness or injury, it'll kick in monthly for up to two years.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Now are you expecting any kind of job changes or pay rises the next couple of years?\n\nChannel 1: Funny you say that. I didn't get it off a a job offer yesterday.\n\nChannel 0: Yeah. Right. Hopefully, aiming for a little bit more.\n\nChannel 1: Absolutely. Heaps more. I'm hoping, but, yeah, I've gotta call them back. I'm gonna call them tomorrow and find out a bit more about it.\n\nChannel 0: Also, do you want me to kind of leave this one as is for now? And then if you do get that other job, we'll just kind of reassess the\n\nChannel 1: Yeah. Maybe that'll be easier because, yeah, it's not not set in stone yet.\n\nChannel 0: the amount. Oh, okay. Yeah. We'll do that. What I might do too is we'll get the team to kind of give you a buzz in a couple of weeks just to see\n\nChannel 1: Okay.\n\nChannel 0: how that went.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Premiums, $215.07 per year, 15% rebate drops down under $2, so that's pretty good. I do need to keep an eye on premiums because the insurance would increase every year. I don't\n\nChannel 1: Yes.\n\nChannel 0: want you to be going backwards from.\n\nChannel 1: Yeah.\n\nChannel 0: One thing I will double check with you is I believe you might have, like, a smoker's rates applied to the policy. I'm just wondering if you might be twelve months cigarette free or anything like that.\n\nChannel 1: For smoke... Like, if I'm gonna give up smoking?\n\nChannel 0: Yeah. If we or if we already have since the last review or anything like that.\n\nChannel 1: I'm sorry. But... No. And I'm I'm still smoking, and I probably won't plan on not smoking depending on what happens with the pricing if it goes up anymore.\n\nChannel 0: That's okay. It's one of those fun things where, yeah, the excise tax makes everything get more expensive, and then they up your insurances too. So it's a little bit of a vicious cycle there.\n\nChannel 1: Yeah.\n\nChannel 0: But, again, I'll pencil in for a bit of a a quick check on the the occupation in a couple of weeks. So\n\nChannel 1: Yes.\n\nChannel 0: I'll leave those alone for now. You don't have any trauma insurance as well. That's the last one for heart attack, stroke, and cancer, but that's more like a... You have to pay for that one out of pocket.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Cool. Now swinging over to the super there, if you go to the next next document, you should see that big blue table for the hub 20 four report.\n\nChannel 1: Oh, yep. Enlarge it a bit.\n\nChannel 0: Now I'm not sure if you're on computer or phone. I'm just wondering if you can make out any of the figures in that table or the words. Is it clear? Can you see it?\n\nChannel 1: I'm on my phone, so I'm just trying to enlarge our performance with IRA, is it?\n\nChannel 0: Yep. That's the one. Now what I wanna kind of point out here on this one is I don't know if you're able to see all of the names of the funds on the left hand column where it's got, like, a Benelon and a BetaShares and a Global X Gold and all this kind of thing all down that left hand side.\n\nChannel 1: Yes.\n\nChannel 0: Now that's all of the options inside the server. There's a good sort of seven, eight of them. Some of them are for shares, some for gold, some for safe things like term deposits. What I really... I guess the way I'd explain it is if you put all of them together, it makes a bit of a pie chart for the different assets that you're invested in.\n\nChannel 1: Okay.\n\nChannel 0: Now you're in what's called a a growth portfolio. So, technically speaking, four out of five on the risk scale. You're a little bit above medium in terms of risk and return. You're not high risk. So\n\nChannel 1: Yes.\n\nChannel 0: what that does, we're basically putting 80% of your money into growth assets, which is like shares company goal, 20% in the safest side of things, if that makes sense.\n\nChannel 1: Yes.\n\nChannel 0: Cool. Now what I can kind of see here is the very right hand column, it gives you percentage returns for all those options.\n\nChannel 1: Oh, yeah.\n\nChannel 0: Now when I look at the portfolio, what I basically gotta do is say, okay. If you're in a growth portfolio, we we kind of want the super growing at about 9% of the year as a bit of a benchmark. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: So some years it goes up 15. Some years it goes down 8%, that kind of thing. You've still cleared 9.2% after fees since you've been on board. It's had a bit of an up and down. I don't know if you...\n\nDo you log in to to look at your super every now and then?\n\nChannel 1: I haven't lately, actually, but I I was previously.\n\nChannel 0: So what's basically been happening is January to March, we had the war on Iran kickoff, and it stopped us. It went down, then it went back up again, and then it's come down again last month. Basically, your super went from 213,000 down to $20.02 and then back\n\nChannel 1: Yes.\n\nChannel 0: up to $2.27. So it's kind of bounced back up into the positive this year.\n\nChannel 1: Yeah.\n\nChannel 0: Now it's only up a few percent because of those market drops. Like I said, still going good since you've become a client about, but\n\nChannel 1: Yeah.\n\nChannel 0: there's a couple of little points that I would like to address.\n\nChannel 1: Okay.\n\nChannel 0: The very top option and the very bottom option. I don't know if you can make out those percentages, but they've got brackets around.\n\nChannel 1: Yeah. The... Oh, very top of... Oh, yeah. Very top.\n\nThe 17... What is it? Four nine.\n\nChannel 0: Yes. Yes. That's the one. So\n\nChannel 1: Point two\n\nChannel 0: that\n\nChannel 1: six.\n\nChannel 0: option at the top, that dropped 17%, and the property at the bottom dropped 15. Everything else in the middle looks pretty well positive or double digit.\n\nChannel 1: Yep.\n\nChannel 0: What that basically means is when the government came out with that capital gains tax negative gearing law, the property options dropped, and the Australian market's also been dropping for the rate rises and and fuel prices as well.\n\nChannel 1: Yep.\n\nChannel 0: So what I can do is while you're going through the the the job application, I can do a bit of a research on a couple of options to maybe switch out to those. We don't maybe have to overhaul everything. It could just be a bit of an engine tune up on just a couple of options.\n\nChannel 1: Yep. Whatever you think. Yeah.\n\nChannel 0: Cool. Would you be comfortable for me to kind of try and find some lower fee investments as as well, maybe go for a slightly different style?\n\nChannel 1: Yeah. What... Yeah. Whatever gives me the best outcome.\n\nChannel 0: Yeah. Absolutely. So what I'll do is we'll give you a call in a couple of weeks for the the other job plan. That'll give me an indication for the income protection. In\n\nChannel 1: Yes.\n\nChannel 0: the interim, I'll get the team to to look at a couple of options to mix in. We've got a couple we have been researching as well. That should at least, while the world's on fire, at least maybe drop the fees a little bit and hopefully\n\nChannel 1: Yep.\n\nChannel 0: bump up the returns a little bit until things calm down.\n\nChannel 1: Alright.\n\nChannel 0: Cool. Does all that make sense so far? Any questions at the moment?\n\nChannel 1: As much as I understand it. Yeah.\n\nChannel 0: Cool. The last thing I'll ask you is when it comes to that risk profile I mentioned being broke, realistically, because you've got fifteen years into retirement, you've got the option either stay as you are and get as much growth as you can for, let's say, the next eight or nine years.\n\nChannel 1: Mhmm.\n\nChannel 0: When you're close to retirement, we can reduce the risk down so you don't lose it all when you've been in 64.\n\nChannel 1: Yes.\n\nChannel 0: Or you could kick it up into high growth if you really wanna try and increase the return, but that has increased the risk.\n\nChannel 1: No. I'm happy to stay where I am.\n\nChannel 0: Cool. We'll keep it as the growth profile, give it an engine sure enough, and we should be good for a while.\n\nChannel 1: Alright. Cool.\n\nChannel 0: Awesome. Now just for the rest of those documents that are in there, if you skip past to the next document, you'll see a big red Vanguard chart.\n\nChannel 1: So next document. Oh, yep.\n\nChannel 0: Yeah. You may have seen this one a few times, but it basically just shows that if you factor in all of the stock market crashes and financial\n\nChannel 1: Yes.\n\nChannel 0: crises that happen, you can still get good returns long term as long as you've got enough time in the market. The next document there is your certificate of currency for the income protection.\n\nChannel 1: Yes.\n\nChannel 0: So that's just a validity certificate. If anything happens, we can help you with the claim and claims advice as well. If you click on the next one, that is your life and disability.\n\nChannel 1: I've got the certificate of currency, and then you said next document. Oh, is that the the blue one? I view service guide one?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: The...\n\nChannel 0: That's the next one.\n\nChannel 1: Yeah.\n\nChannel 0: Now this one's got a few pages in it, but I just want you to... If you can scroll down. I don't know if you can skip pages or scroll down for us. You'll see basically, like, our our values and pictures of the team and directors. But when you get to about the thirteenth page, there'll be another blue document saying financial services guide about halfway down.\n\nChannel 1: I reckon I can... I'll just... I've just zoomed in to see the page numbers. So 13, did you say?\n\nChannel 0: Yeah. About 13 on the software. It'll be kind of the fourteenth on the document. And you'll see, like, at the end, there's a big team photo, and then it'll go back to another blue document that that you picture straight after it. Cool.\n\nNow if you could just go down... Yep. Does it say financial services guide on it rather than overview services?\n\nChannel 1: Paying charges. I've gone too far, paying charges? Individual clients?\n\nChannel 0: No. That's perfect. So if you go one more page, you'll see a couple of tables there, And you should see individually coupled with some little tables of, like, a fee structure. It was the one after fees and charges\n\nChannel 1: I just\n\nChannel 0: before\n\nChannel 1: hit the financial\n\nChannel 0: the associate.\n\nChannel 1: advice. I reckon that you've talked to before.\n\nChannel 0: Oh, yes.\n\nChannel 1: Oh, well,\n\nChannel 0: Cool.\n\nChannel 1: let me get it. What what... Oh, so that's the last page, the financial advice. I'm on the last page.\n\nChannel 0: And the last page... Let me just have a quick look. Alright. That one. Oh, sorry.\n\nMy computer's lagging now. The...\n\nChannel 1: Yeah.\n\nChannel 0: It says financial advice for everyday Australians on the last page, but that one says financial services guide.\n\nChannel 1: What is that? Oh, about... Oh, it's been a challenge. Is that what you just said?\n\nChannel 0: It'd be... Oh, yes. So go backwards. I do apologize, sir. If you go back\n\nChannel 1: Yep.\n\nChannel 0: one to... Yeah. One to two pages, You'll see ongoing service fee with the individual clients in couple with a couple little pages in the middle.\n\nChannel 1: Oh, yeah. Yeah. Yeah. It's individual client ongoing, and then it's got the\n\nChannel 0: There\n\nChannel 1: couple.\n\nChannel 0: we go.\n\nChannel 1: Yeah.\n\nChannel 0: So what I wanted to let you know here is that OPU has updated its fee structure as a business. So previously, you were paying that 1.65% spread throughout the year, but we've\n\nChannel 1: Mhmm.\n\nChannel 0: added in some tier three discount. So, basically, everybody above $200,000 will start to get some discounted percentages, and then further discounts if you get 500,000 and million. So what I've done is I've added in a service agreement and consent form for you if you're happy to receive that that discount and remain the client for that.\n\nChannel 1: Yep. Yes.\n\nChannel 0: Perfect. What it will do too is it'll kind of just do a bit of a flat fee so it doesn't follow your balance up as well, and that'll\n\nChannel 1: Yep.\n\nChannel 0: save you a bit more. Is there a next document button there as well?\n\nChannel 1: Yep. Yep. Brings\n\nChannel 0: Cool.\n\nChannel 1: me\n\nChannel 0: So you should\n\nChannel 1: on.\n\nChannel 0: go to the\n\nChannel 1: Yeah. Consent, and I'm going free... Not free. Free arrangement.\n\nChannel 0: consent. Not free yet. Not until we retire.\n\nChannel 1: Free. Free.\n\nChannel 0: But these are pretty much the last document. So if you are comfortable with the services, just have a pop on a signature at the bottom of that document, and then the last one will just be a tax file number opt in form.\n\nChannel 1: Okay. And it says sign the lawyer. Wherever I will find it. Signatures here. So I can just click on that and add my.\n\nChannel 0: Yeah.\n\nChannel 1: Let's\n\nChannel 0: Hopefully,\n\nChannel 1: go.\n\nChannel 0: it's pretty user friendly. It should just be a bit of a click and a stamp.\n\nChannel 1: So once I've signed it... Oh, what's the date? Yep. That's the right date. Date of birth.\n\nOh, is it my date of... No. It's the... Oh, no. The date's gone on there.\n\nSo it's just signing it and date.\n\nChannel 0: Yeah. Today's date. Yep.\n\nChannel 1: Yeah. That's\n\nChannel 0: And then\n\nChannel 1: it.\n\nChannel 0: once you go to the next document, it'll take you to the last one. So this is pretty much whether you're consenting for us to still hold the tax file number. It's a very important number. Just need to make sure that you're still okay for us to hold on\n\nChannel 1: You were holding on to it beforehand?\n\nChannel 0: to it. Yeah. It's what we use to open up the accounts and insurances\n\nChannel 1: Yeah.\n\nChannel 0: and super\n\nChannel 1: Yes.\n\nChannel 0: funds and all that stuff. Cool.\n\nChannel 1: Just click validate on the...... One.\n\nChannel 0: Yep. That'll come back through to us. You'll get a signed copy as well.\n\nChannel 1: Yep.\n\nChannel 0: If you ever need one, you can let us know, but it does give you options to download it, and that has come back signed. Thank you very much for that, Joe.\n\nChannel 1: Alright.\n\nChannel 0: So, basically, from here, I will get the team to double check those insurance beneficiaries for you.\n\nChannel 1: Yep.\n\nChannel 0: We'll give you a buzz in a couple of weeks to follow-up on how the job hunting went, and\n\nChannel 1: Yep.\n\nChannel 0: then we'll get you booked in to go through the updated investments you may after\n\nChannel 1: Alright. Sounds good.\n\nChannel 0: that. Perfect. Any questions for me before I let you go?\n\nChannel 1: No. I'm I'm all good. Thank you.\n\nChannel 0: Awesome. Thank you so much again for calling back in, and\n\nChannel 1: That's\n\nChannel 0: I'll\n\nChannel 1: it.\n\nChannel 0: talk to you in a few weeks.\n\nChannel 1: Okay. Cool. No worries. Thanks, Tommy.\n\nChannel 0: Thanks, Joe. See you later.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":4.96,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.0009998022578656671},{"text":"Hello, Tommy?","start":5.2799997,"end":6.24,"sentiment":"neutral","sentiment_score":-0.002258694265037775},{"text":"Can you hear me?","start":6.24,"end":7.22,"sentiment":"neutral","sentiment_score":-0.014962224755436182},{"text":"Hello?","start":10.719999,"end":11.219999,"sentiment":"neutral","sentiment_score":-0.005215173587203026},{"text":"Okay.","start":14.0,"end":14.445,"sentiment":"neutral","sentiment_score":-0.0018297252245247364}],"sentiment":"neutral","sentiment_score":-0.007823487122853598,"channel":1,"num_words":9,"start":4.96,"end":14.445},{"sentences":[{"text":"Hello.","start":14.015,"end":14.415,"sentiment":"neutral","sentiment_score":0.0023164316080510616},{"text":"This is Tommy speaking.","start":14.415,"end":15.635,"sentiment":"neutral","sentiment_score":0.0015886930050328374}],"sentiment":"neutral","sentiment_score":0.0017342407256364823,"channel":0,"num_words":5,"start":14.015,"end":15.635},{"sentences":[{"text":"Oh, Tommy.","start":15.724999,"end":16.705,"sentiment":"neutral","sentiment_score":-0.011197938118129969},{"text":"I I was just talking.","start":16.765,"end":18.365,"sentiment":"neutral","sentiment_score":-0.05918003097176552},{"text":"I couldn't hear you.","start":18.365,"end":19.404999,"sentiment":"neutral","sentiment_score":-0.13103734143078327},{"text":"It's Michelle, obviously.","start":19.404999,"end":20.705,"sentiment":"neutral","sentiment_score":-0.018833911356826622},{"text":"I have got Joanna","start":21.324999,"end":22.705,"sentiment":"neutral","sentiment_score":-0.004331327276304364}],"sentiment":"neutral","sentiment_score":-0.05090402444410655,"channel":1,"num_words":18,"start":15.724999,"end":22.705},{"sentences":[{"text":"Hello?","start":22.335,"end":22.835,"sentiment":"neutral","sentiment_score":-0.0026927446015179157}],"sentiment":"neutral","sentiment_score":-0.0026927446015179157,"channel":0,"num_words":1,"start":22.335,"end":22.835},{"sentences":[{"text":"on I've got Joanna on the phone.","start":22.845,"end":25.265,"sentiment":"neutral","sentiment_score":-0.002630007519785847},{"text":"Are you able to take her","start":25.325,"end":27.24,"sentiment":"neutral","sentiment_score":-0.0014078655901054542}],"sentiment":"neutral","sentiment_score":-0.0020659420137795117,"channel":1,"num_words":13,"start":22.845,"end":27.24},{"sentences":[{"text":"Yeah.","start":29.39,"end":29.79,"sentiment":"neutral","sentiment_score":0.02243982069194317},{"text":"Absolutely.","start":29.79,"end":30.29,"sentiment":"neutral","sentiment_score":0.08104607462882996},{"text":"Pop her through when you're ready, man.","start":30.51,"end":32.370003,"sentiment":"neutral","sentiment_score":0.04570001257317407}],"sentiment":"neutral","sentiment_score":0.04704288703699907,"channel":0,"num_words":9,"start":29.39,"end":32.370003},{"sentences":[{"text":"call?","start":32.28,"end":32.78,"sentiment":"neutral","sentiment_score":0.014725940302014353},{"text":"Okay.","start":32.84,"end":33.34,"sentiment":"neutral","sentiment_score":0.0029254890978336334},{"text":"I'm just gonna merge the calls.","start":33.4,"end":35.82,"sentiment":"neutral","sentiment_score":-0.00168740120716393},{"text":"I won't do a soft handover.","start":35.879997,"end":37.5,"sentiment":"neutral","sentiment_score":-0.024709793428579967},{"text":"The next voice you'll hear will be...","start":37.72,"end":39.32,"sentiment":"neutral","sentiment_score":-0.008684630040079355}],"sentiment":"neutral","sentiment_score":-0.009596388033103375,"channel":1,"num_words":21,"start":32.28,"end":39.32},{"sentences":[{"text":"Well, it'll be you talking to her.","start":39.32,"end":41.145,"sentiment":"neutral","sentiment_score":0.005676229085241046},{"text":"Okay.","start":41.385002,"end":41.625,"sentiment":"neutral","sentiment_score":0.05616328865289688},{"text":"Here you go.","start":41.625,"end":42.265,"sentiment":"neutral","sentiment_score":0.08574679245551427},{"text":"Thank you.","start":42.265,"end":43.005,"sentiment":"positive","sentiment_score":0.3792887181043625}],"sentiment":"neutral","sentiment_score":0.08551651583268093,"channel":1,"num_words":13,"start":39.32,"end":43.005},{"sentences":[{"text":"Good evening, Joe.","start":48.045,"end":48.925,"sentiment":"positive","sentiment_score":0.369295875231425},{"text":"It's Tommy here.","start":48.925,"end":49.964996,"sentiment":"neutral","sentiment_score":0.2558928231398265},{"text":"How are you doing?","start":49.964996,"end":50.784996,"sentiment":"neutral","sentiment_score":0.24164113402366638}],"sentiment":"neutral","sentiment_score":0.284213063120842,"channel":0,"num_words":10,"start":48.045,"end":50.784996},{"sentences":[{"text":"I'm alright.","start":50.985,"end":51.545,"sentiment":"neutral","sentiment_score":0.20454704761505127},{"text":"How are you?","start":51.545,"end":52.364998,"sentiment":"neutral","sentiment_score":0.21222007274627686}],"sentiment":"neutral","sentiment_score":0.20915086269378663,"channel":1,"num_words":5,"start":50.985,"end":52.364998},{"sentences":[{"text":"I'm doing fantastic.","start":53.510002,"end":54.57,"sentiment":"positive","sentiment_score":0.6953834295272827},{"text":"Thank you so much for calling me back in.","start":54.63,"end":56.33,"sentiment":"positive","sentiment_score":0.6857826113700867}],"sentiment":"positive","sentiment_score":0.6881828159093857,"channel":0,"num_words":12,"start":53.510002,"end":56.33},{"sentences":[{"text":"That's alright.","start":56.510002,"end":57.33,"sentiment":"positive","sentiment_score":0.44584041833877563}],"sentiment":"positive","sentiment_score":0.44584041833877563,"channel":1,"num_words":2,"start":56.510002,"end":57.33},{"sentences":[{"text":"Perfect.","start":59.59,"end":59.99,"sentiment":"positive","sentiment_score":0.5397565364837646},{"text":"We have each other now.","start":59.99,"end":61.03,"sentiment":"neutral","sentiment_score":0.2494275152683258},{"text":"I've got I've got a bit of an annual view packet sent through to you on your email.","start":61.03,"end":66.57,"sentiment":"neutral","sentiment_score":0.13302739668223593},{"text":"Just wondering if you'll have to look on that with me today, or should I just kind of walk you through what I'm sending?","start":67.585,"end":74.325005,"sentiment":"neutral","sentiment_score":0.10731273656710982}],"sentiment":"neutral","sentiment_score":0.14076860272325575,"channel":0,"num_words":48,"start":59.59,"end":74.325005},{"sentences":[{"text":"Yeah.","start":74.935005,"end":75.415,"sentiment":"neutral","sentiment_score":0.04557229205965996},{"text":"You can do both if you want.","start":75.415,"end":76.775,"sentiment":"neutral","sentiment_score":0.0442460301731314},{"text":"Did you say you're sending it or you've sent it?","start":76.775,"end":79.19501,"sentiment":"neutral","sentiment_score":0.017295098677277566}],"sentiment":"neutral","sentiment_score":0.029346971669130854,"channel":1,"num_words":18,"start":74.935005,"end":79.19501},{"sentences":[{"text":"Just sending it now.","start":80.61,"end":81.729996,"sentiment":"neutral","sentiment_score":0.02231293125078082},{"text":"It usually takes a minute or so.","start":81.729996,"end":83.96999,"sentiment":"neutral","sentiment_score":0.02239196002483368},{"text":"It's got a bit of a few attachments there.","start":83.96999,"end":86.71,"sentiment":"neutral","sentiment_score":0.014477608725428581},{"text":"But","start":87.009995,"end":87.25,"sentiment":"neutral","sentiment_score":0.023982351645827293}],"sentiment":"neutral","sentiment_score":0.01906077501674493,"channel":0,"num_words":21,"start":80.61,"end":87.25},{"sentences":[{"text":"Yeah.","start":87.079994,"end":87.579994,"sentiment":"neutral","sentiment_score":0.02494187653064728}],"sentiment":"neutral","sentiment_score":0.02494187653064728,"channel":1,"num_words":1,"start":87.079994,"end":87.579994},{"sentences":[{"text":"I'm just sending it through to the the Hotmail that we have on file.","start":87.25,"end":90.63,"sentiment":"neutral","sentiment_score":0.040902678322579177}],"sentiment":"neutral","sentiment_score":0.040902678322579177,"channel":0,"num_words":14,"start":87.25,"end":90.63},{"sentences":[{"text":"Yep.","start":90.84,"end":91.159996,"sentiment":"neutral","sentiment_score":0.08801524341106415},{"text":"Yep.","start":91.159996,"end":91.399994,"sentiment":"neutral","sentiment_score":0.1310390830039978},{"text":"That's good.","start":91.399994,"end":92.21999,"sentiment":"positive","sentiment_score":0.36756980419158936}],"sentiment":"neutral","sentiment_score":0.23854848369956017,"channel":1,"num_words":4,"start":90.84,"end":92.21999},{"sentences":[{"text":"Perfect.","start":93.674995,"end":94.174995,"sentiment":"positive","sentiment_score":0.3746347427368164},{"text":"Before I jump into it, is there anything in particular that you were hoping to get out of this review?","start":94.395,"end":99.454994,"sentiment":"neutral","sentiment_score":0.033043997921049596}],"sentiment":"neutral","sentiment_score":0.04931022386465754,"channel":0,"num_words":21,"start":93.674995,"end":99.454994},{"sentences":[{"text":"No.","start":100.59499,"end":101.09499,"sentiment":"neutral","sentiment_score":-0.09555516391992568},{"text":"No.","start":101.155,"end":101.395,"sentiment":"neutral","sentiment_score":-0.09958477318286896},{"text":"Just the normal stuff, I guess.","start":101.395,"end":104.274994,"sentiment":"neutral","sentiment_score":-0.09925244003534317},{"text":"Just nothing's really changed.","start":104.274994,"end":106.05499,"sentiment":"neutral","sentiment_score":-0.10182956792414188}],"sentiment":"neutral","sentiment_score":-0.09983107075095177,"channel":1,"num_words":12,"start":100.59499,"end":106.05499},{"sentences":[{"text":"Yeah.","start":107.240005,"end":107.4,"sentiment":"neutral","sentiment_score":-0.009008772671222689},{"text":"Just a bit of a general update, that kind of thing.","start":107.4,"end":109.66,"sentiment":"neutral","sentiment_score":-0.006221923807805235}],"sentiment":"neutral","sentiment_score":-0.006454161213090022,"channel":0,"num_words":12,"start":107.240005,"end":109.66},{"sentences":[{"text":"Yeah.","start":109.795,"end":110.19499,"sentiment":"neutral","sentiment_score":0.05169699341058731},{"text":"Yeah.","start":110.19499,"end":110.69499,"sentiment":"neutral","sentiment_score":0.1162026971578598}],"sentiment":"neutral","sentiment_score":0.08394984528422356,"channel":1,"num_words":2,"start":109.795,"end":110.69499},{"sentences":[{"text":"Awesome.","start":111.880005,"end":112.36,"sentiment":"neutral","sentiment_score":0.19385798275470736},{"text":"So while that's coming through here, what I might do if you do have a pen is I might just update a few details that we've got on file, and then I can kind of jump into that pack with you.","start":112.36,"end":121.880005,"sentiment":"neutral","sentiment_score":0.11323825787843728},{"text":"How's that then?","start":121.880005,"end":122.625,"sentiment":"neutral","sentiment_score":0.10053049524625142}],"sentiment":"neutral","sentiment_score":0.1141826231446531,"channel":0,"num_words":45,"start":111.880005,"end":122.625},{"sentences":[{"text":"Yep.","start":122.43,"end":122.91,"sentiment":"neutral","sentiment_score":0.06720372289419174},{"text":"Yeah.","start":122.91,"end":123.23,"sentiment":"neutral","sentiment_score":0.08442467451095581},{"text":"That...","start":123.23,"end":123.55,"sentiment":"neutral","sentiment_score":0.0915481448173523},{"text":"That's good.","start":123.55,"end":124.305,"sentiment":"neutral","sentiment_score":0.24825451523065567}],"sentiment":"neutral","sentiment_score":0.14793711453676223,"channel":1,"num_words":5,"start":122.43,"end":124.305},{"sentences":[{"text":"Perfect.","start":125.585,"end":126.085,"sentiment":"positive","sentiment_score":0.699042797088623},{"text":"So in terms of...","start":126.225,"end":127.685,"sentiment":"neutral","sentiment_score":0.15047608315944672},{"text":"Or start with goals to begin with, we had you kind of wanting to retire around about age 65 on about 1200 a week.","start":127.985,"end":135.66,"sentiment":"neutral","sentiment_score":0.1355850569282969},{"text":"We do have a few goals noted down to just obviously kind of build up a bit of a house deposit, purchase property, that kind of thing, being your your sort of main cash flow priority.","start":135.90001,"end":147.2,"sentiment":"neutral","sentiment_score":0.22102375949422517},{"text":"Does that sound about right?","start":147.5,"end":148.88,"sentiment":"neutral","sentiment_score":0.09192581623792648}],"sentiment":"neutral","sentiment_score":0.18530675598553248,"channel":0,"num_words":70,"start":125.585,"end":148.88},{"sentences":[{"text":"Yeah.","start":148.88,"end":149.12001,"sentiment":"neutral","sentiment_score":0.028014719486236572},{"text":"That...","start":149.12001,"end":149.36,"sentiment":"neutral","sentiment_score":0.01860850490629673},{"text":"Yeah.","start":149.36,"end":149.68001,"sentiment":"neutral","sentiment_score":0.02280401811003685},{"text":"That...","start":149.68001,"end":150.0,"sentiment":"neutral","sentiment_score":0.02537761814892292},{"text":"Yeah.","start":150.0,"end":150.5,"sentiment":"neutral","sentiment_score":0.08644881844520569}],"sentiment":"neutral","sentiment_score":0.036250735819339755,"channel":1,"num_words":5,"start":148.88,"end":150.5},{"sentences":[{"text":"Cool.","start":151.945,"end":152.445,"sentiment":"neutral","sentiment_score":0.21636439859867096},{"text":"Have you managed any headway on that at the moment?","start":152.985,"end":155.065,"sentiment":"neutral","sentiment_score":0.11874872073531151},{"text":"I know the world's gone crazy and the cost of living through the roof, but have","start":155.065,"end":158.505,"sentiment":"neutral","sentiment_score":-0.13025677110999823}],"sentiment":"neutral","sentiment_score":-0.02519469377067354,"channel":0,"num_words":27,"start":151.945,"end":158.505},{"sentences":[{"text":"No.","start":158.355,"end":158.855,"sentiment":"neutral","sentiment_score":-0.196909561753273}],"sentiment":"neutral","sentiment_score":-0.196909561753273,"channel":1,"num_words":1,"start":158.355,"end":158.855},{"sentences":[{"text":"you come with","start":158.505,"end":159.065,"sentiment":"neutral","sentiment_score":-0.18845355014006296}],"sentiment":"neutral","sentiment_score":-0.18845355014006296,"channel":0,"num_words":3,"start":158.505,"end":159.065},{"sentences":[{"text":"No.","start":158.915,"end":159.415,"sentiment":"neutral","sentiment_score":-0.23491349816322327}],"sentiment":"neutral","sentiment_score":-0.23491349816322327,"channel":1,"num_words":1,"start":158.915,"end":159.415},{"sentences":[{"text":"the deposit?","start":159.065,"end":159.725,"sentiment":"neutral","sentiment_score":-0.2274257317185402}],"sentiment":"neutral","sentiment_score":-0.2274257317185402,"channel":0,"num_words":2,"start":159.065,"end":159.725},{"sentences":[{"text":"No.","start":160.435,"end":160.83499,"sentiment":"neutral","sentiment_score":-0.2917627990245819},{"text":"I haven't, actually.","start":160.83499,"end":161.89499,"sentiment":"neutral","sentiment_score":-0.32665709654490155},{"text":"It's it's hard.","start":163.075,"end":164.295,"sentiment":"negative","sentiment_score":-0.37998369336128235}],"sentiment":"negative","sentiment_score":-0.3445264526775905,"channel":1,"num_words":7,"start":160.435,"end":164.295},{"sentences":[{"text":"That's totally so.","start":163.945,"end":165.27,"sentiment":"neutral","sentiment_score":-0.22961850464344025},{"text":"It is.","start":165.75,"end":166.23001,"sentiment":"neutral","sentiment_score":-0.06680382043123245},{"text":"It","start":166.23001,"end":166.47,"sentiment":"neutral","sentiment_score":-0.004171110689640045}],"sentiment":"neutral","sentiment_score":-0.13777237758040428,"channel":0,"num_words":6,"start":163.945,"end":166.47},{"sentences":[{"text":"Yeah.","start":166.32,"end":166.82,"sentiment":"neutral","sentiment_score":0.043594926595687866}],"sentiment":"neutral","sentiment_score":0.043594926595687866,"channel":1,"num_words":1,"start":166.32,"end":166.82},{"sentences":[{"text":"is.","start":166.47,"end":166.71,"sentiment":"neutral","sentiment_score":0.032329149544239044},{"text":"I talk to Australians every single day, and I think 90% of my calls is just how difficult it is at the moment.","start":166.71,"end":173.37001,"sentiment":"neutral","sentiment_score":-0.04738948380817538},{"text":"So I I can leave that on there as a bit of a five year goal for yourself, and I can always just keep an eye on that together.","start":173.51001,"end":179.895,"sentiment":"neutral","sentiment_score":0.1660899501936189}],"sentiment":"neutral","sentiment_score":0.07092414297304063,"channel":0,"num_words":53,"start":166.47,"end":179.895},{"sentences":[{"text":"Yes.","start":180.08,"end":180.16,"sentiment":"neutral","sentiment_score":0.1603095531463623},{"text":"Alright.","start":180.16,"end":180.64001,"sentiment":"neutral","sentiment_score":0.2902147173881531},{"text":"Cool.","start":180.64001,"end":181.14001,"sentiment":"positive","sentiment_score":0.4620400965213776}],"sentiment":"neutral","sentiment_score":0.3041881223519643,"channel":1,"num_words":3,"start":180.08,"end":181.14001},{"sentences":[{"text":"Perfect.","start":182.455,"end":182.955,"sentiment":"positive","sentiment_score":0.4781048893928528},{"text":"Now in terms of the occupation side of things, now please forgive me.","start":183.335,"end":187.41501,"sentiment":"neutral","sentiment_score":0.025664783727664214},{"text":"We do have a new system, and I'm just merging everything across.","start":187.41501,"end":191.195,"sentiment":"neutral","sentiment_score":0.0695933373644948}],"sentiment":"neutral","sentiment_score":0.06334104331640097,"channel":0,"num_words":26,"start":182.455,"end":191.195},{"sentences":[{"text":"Yep.","start":191.595,"end":192.095,"sentiment":"neutral","sentiment_score":0.06510286778211594}],"sentiment":"neutral","sentiment_score":0.06510286778211594,"channel":1,"num_words":1,"start":191.595,"end":192.095},{"sentences":[{"text":"I have the employer listed down as exact cleaning and maintenance.","start":191.895,"end":195.43999,"sentiment":"neutral","sentiment_score":0.04125588285652074},{"text":"Is that right?","start":195.43999,"end":196.18,"sentiment":"neutral","sentiment_score":0.04071410124500593}],"sentiment":"neutral","sentiment_score":0.041139786796910424,"channel":0,"num_words":14,"start":191.895,"end":196.18},{"sentences":[{"text":"Yeah.","start":196.15001,"end":196.39,"sentiment":"neutral","sentiment_score":0.030246328562498093},{"text":"That's...","start":196.39,"end":196.71,"sentiment":"neutral","sentiment_score":0.02748974971473217},{"text":"Yep.","start":196.71,"end":197.03,"sentiment":"neutral","sentiment_score":0.06298540532588959},{"text":"That's correct.","start":197.03,"end":197.85,"sentiment":"neutral","sentiment_score":0.12023507803678513}],"sentiment":"neutral","sentiment_score":0.07223832793533802,"channel":1,"num_words":5,"start":196.15001,"end":197.85},{"sentences":[{"text":"Cool.","start":199.04,"end":199.28,"sentiment":"neutral","sentiment_score":0.19937746226787567},{"text":"And we did go through end of financial year recently.","start":199.28,"end":202.07999,"sentiment":"neutral","sentiment_score":0.0851630587130785},{"text":"Do you know what the annual income is sitting out of the month?","start":202.07999,"end":204.73999,"sentiment":"neutral","sentiment_score":0.031818844664555326}],"sentiment":"neutral","sentiment_score":0.06102720958491167,"channel":0,"num_words":24,"start":199.04,"end":204.73999},{"sentences":[{"text":"My annual income with Exactors?","start":205.75,"end":208.41,"sentiment":"neutral","sentiment_score":0.017418994382023812}],"sentiment":"neutral","sentiment_score":0.017418994382023812,"channel":1,"num_words":5,"start":205.75,"end":208.41},{"sentences":[{"text":"Yeah.","start":210.455,"end":210.615,"sentiment":"neutral","sentiment_score":0.033953964710235596},{"text":"I think we had you close to around the 80,000 miles.","start":210.615,"end":213.255,"sentiment":"neutral","sentiment_score":0.03417159616947174},{"text":"Is it close to that still?","start":213.255,"end":214.795,"sentiment":"neutral","sentiment_score":0.02704863529652357}],"sentiment":"neutral","sentiment_score":0.031785185241864786,"channel":0,"num_words":18,"start":210.455,"end":214.795},{"sentences":[{"text":"No.","start":215.485,"end":215.80501,"sentiment":"neutral","sentiment_score":-0.08808452636003494},{"text":"Not with the Exact.","start":215.80501,"end":217.265,"sentiment":"neutral","sentiment_score":-0.07077867165207863},{"text":"It will...","start":218.205,"end":218.765,"sentiment":"neutral","sentiment_score":-0.06489758938550949},{"text":"It's 68.","start":218.765,"end":220.95,"sentiment":"neutral","sentiment_score":-0.019020555540919304}],"sentiment":"neutral","sentiment_score":-0.059892833646800786,"channel":1,"num_words":9,"start":215.485,"end":220.95},{"sentences":[{"text":"68.","start":222.455,"end":223.255,"sentiment":"neutral","sentiment_score":-0.004324374720454216},{"text":"I'll add that in.","start":223.255,"end":224.475,"sentiment":"neutral","sentiment_score":0.005944109056144953},{"text":"68,000.","start":224.535,"end":225.675,"sentiment":"neutral","sentiment_score":0.0010036410531029103},{"text":"And I'm assuming you're not doing a similar role as you were with Rexha.","start":227.06,"end":231.4,"sentiment":"neutral","sentiment_score":-0.030050089383231744},{"text":"Is it still, like, project admin, or is it a bit different?","start":231.7,"end":234.52,"sentiment":"neutral","sentiment_score":-0.031802307814359665}],"sentiment":"neutral","sentiment_score":-0.02443353883063537,"channel":0,"num_words":32,"start":222.455,"end":234.52},{"sentences":[{"text":"Yeah.","start":234.805,"end":235.125,"sentiment":"neutral","sentiment_score":-0.004552247002720833},{"text":"Because Rexel, that was a project project's job where Exact Cleaning is more sales support and front desk","start":235.125,"end":246.025,"sentiment":"neutral","sentiment_score":0.011612097991423475}],"sentiment":"neutral","sentiment_score":0.01076134299173167,"channel":1,"num_words":19,"start":234.805,"end":246.025},{"sentences":[{"text":"Yep.","start":246.035,"end":246.535,"sentiment":"neutral","sentiment_score":-0.015303236432373524}],"sentiment":"neutral","sentiment_score":-0.015303236432373524,"channel":0,"num_words":1,"start":246.035,"end":246.535},{"sentences":[{"text":"administration","start":247.45999,"end":247.95999,"sentiment":"neutral","sentiment_score":0.04744274914264679}],"sentiment":"neutral","sentiment_score":0.04744274914264679,"channel":1,"num_words":1,"start":247.45999,"end":247.95999},{"sentences":[{"text":"That'll support the front desk, and that's all just kind of office space, working from home over","start":250.31,"end":254.70999,"sentiment":"neutral","sentiment_score":0.188169885207625}],"sentiment":"neutral","sentiment_score":0.188169885207625,"channel":0,"num_words":17,"start":250.31,"end":254.70999},{"sentences":[{"text":"work.","start":254.57999,"end":255.07999,"sentiment":"neutral","sentiment_score":0.17326483130455017}],"sentiment":"neutral","sentiment_score":0.17326483130455017,"channel":1,"num_words":1,"start":254.57999,"end":255.07999},{"sentences":[{"text":"the phone.","start":254.70999,"end":255.29,"sentiment":"neutral","sentiment_score":0.06980283558368683}],"sentiment":"neutral","sentiment_score":0.06980283558368683,"channel":0,"num_words":2,"start":254.70999,"end":255.29},{"sentences":[{"text":"Yeah.","start":255.37999,"end":255.87999,"sentiment":"neutral","sentiment_score":0.15708759427070618},{"text":"All office based.","start":255.93999,"end":257.24,"sentiment":"neutral","sentiment_score":0.14540265997250876}],"sentiment":"neutral","sentiment_score":0.1483238935470581,"channel":1,"num_words":4,"start":255.37999,"end":257.24},{"sentences":[{"text":"All office space.","start":258.55,"end":259.75,"sentiment":"neutral","sentiment_score":0.18803669015566507},{"text":"Perfect.","start":259.75,"end":260.25,"sentiment":"positive","sentiment_score":0.7513100504875183},{"text":"And you feel like you're able...","start":261.11,"end":263.11,"sentiment":"positive","sentiment_score":0.5521809657414755},{"text":"I mean, you just said it was pretty hard, but are you able to set aside any savings at the moment per week that you're aiming for or not so much at the moment?","start":263.11,"end":270.845,"sentiment":"neutral","sentiment_score":0.1847009963410742}],"sentiment":"neutral","sentiment_score":0.24791681343181568,"channel":0,"num_words":44,"start":258.55,"end":270.845},{"sentences":[{"text":"I have...","start":270.495,"end":270.975,"sentiment":"neutral","sentiment_score":-0.04980321042239666},{"text":"I'm real...","start":270.975,"end":271.695,"sentiment":"neutral","sentiment_score":-0.06523900479078293},{"text":"Not really.","start":271.695,"end":272.435,"sentiment":"neutral","sentiment_score":-0.26463545858860016}],"sentiment":"neutral","sentiment_score":-0.12655922460059324,"channel":1,"num_words":6,"start":270.495,"end":272.435},{"sentences":[{"text":"Okay.","start":274.505,"end":275.005,"sentiment":"neutral","sentiment_score":-0.1689932346343994},{"text":"I'll leave that.","start":275.945,"end":276.66498,"sentiment":"neutral","sentiment_score":-0.14694222311178842},{"text":"So, basically, I'm not gonna recommend any salary sacrifice to super or anything like that.","start":276.66498,"end":281.065,"sentiment":"negative","sentiment_score":-0.33746695121129355},{"text":"If If you don't have the cash flow, we can come back to that later.","start":281.065,"end":283.91,"sentiment":"neutral","sentiment_score":-0.22817891637484233}],"sentiment":"neutral","sentiment_score":-0.2674855269929942,"channel":0,"num_words":34,"start":274.505,"end":283.91},{"sentences":[{"text":"Yeah.","start":284.34,"end":284.84,"sentiment":"neutral","sentiment_score":0.07619429379701614}],"sentiment":"neutral","sentiment_score":0.07619429379701614,"channel":1,"num_words":1,"start":284.34,"end":284.84},{"sentences":[{"text":"Cool.","start":286.29,"end":286.79,"sentiment":"neutral","sentiment_score":0.1638697236776352},{"text":"In terms of assets and liabilities, we've got the motor vehicle there.","start":287.33,"end":291.59,"sentiment":"neutral","sentiment_score":0.0876879757270217},{"text":"Any other kind of...","start":291.97,"end":293.17,"sentiment":"neutral","sentiment_score":0.01745506515726447},{"text":"Any loans or or assets floating around, any cash or shares or anything?","start":293.17,"end":297.57498,"sentiment":"neutral","sentiment_score":0.001693852747289034}],"sentiment":"neutral","sentiment_score":0.0435988592915237,"channel":0,"num_words":30,"start":286.29,"end":297.57498},{"sentences":[{"text":"Nah.","start":298.48502,"end":298.98502,"sentiment":"neutral","sentiment_score":-0.04659578949213028},{"text":"No.","start":299.24,"end":299.32,"sentiment":"neutral","sentiment_score":-0.11420559883117676},{"text":"I'm just doing...","start":299.32,"end":300.04,"sentiment":"neutral","sentiment_score":-0.13716702411572138},{"text":"I just","start":300.04,"end":300.44,"sentiment":"neutral","sentiment_score":-0.16855371743440628}],"sentiment":"neutral","sentiment_score":-0.12991569936275482,"channel":1,"num_words":7,"start":298.48502,"end":300.44},{"sentences":[{"text":"No.","start":300.435,"end":300.935,"sentiment":"neutral","sentiment_score":-0.22513100504875183}],"sentiment":"neutral","sentiment_score":-0.22513100504875183,"channel":0,"num_words":1,"start":300.435,"end":300.935},{"sentences":[{"text":"own my car.","start":300.44,"end":301.34,"sentiment":"neutral","sentiment_score":-0.17803214490413666}],"sentiment":"neutral","sentiment_score":-0.17803214490413666,"channel":1,"num_words":3,"start":300.44,"end":301.34},{"sentences":[{"text":"Perfect.","start":303.07498,"end":303.555,"sentiment":"neutral","sentiment_score":0.2314268797636032},{"text":"That's out right.","start":303.555,"end":304.615,"sentiment":"neutral","sentiment_score":0.15994604925314584},{"text":"And I know that you were having a bit of, like, a like, a will on your to do list.","start":305.555,"end":311.19998,"sentiment":"neutral","sentiment_score":-0.00021132100373506547},{"text":"Did you put one of those in place?","start":311.19998,"end":313.13998,"sentiment":"neutral","sentiment_score":-0.005435846513137221}],"sentiment":"neutral","sentiment_score":0.020735994854476303,"channel":0,"num_words":32,"start":303.07498,"end":313.13998},{"sentences":[{"text":"Which what?","start":313.72,"end":314.28,"sentiment":"neutral","sentiment_score":-0.042561255395412445},{"text":"Sorry.","start":314.28,"end":314.745,"sentiment":"neutral","sentiment_score":-0.05989638715982437}],"sentiment":"neutral","sentiment_score":-0.04833963265021642,"channel":1,"num_words":3,"start":313.72,"end":314.745},{"sentences":[{"text":"Like, a a will and a power of attorney?","start":315.84,"end":318.09998,"sentiment":"neutral","sentiment_score":-0.04478089842531416}],"sentiment":"neutral","sentiment_score":-0.04478089842531416,"channel":0,"num_words":9,"start":315.84,"end":318.09998},{"sentences":[{"text":"Oh, yeah.","start":318.905,"end":319.305,"sentiment":"neutral","sentiment_score":-0.03204300254583359},{"text":"I did look into that, but I haven't actually done anything because I think I couldn't put my nephew as a, like...","start":319.305,"end":332.73,"sentiment":"neutral","sentiment_score":-0.0974413813515143},{"text":"Yeah.","start":335.11002,"end":335.61002,"sentiment":"neutral","sentiment_score":-0.04117316007614136},{"text":"For him to have my stuff or whatever because he's my nephew, not...","start":335.99002,"end":339.51,"sentiment":"neutral","sentiment_score":-0.057031588485607736},{"text":"Has to be a partner or something like that or a parent.","start":339.51,"end":342.73,"sentiment":"neutral","sentiment_score":-0.057654734080036484}],"sentiment":"neutral","sentiment_score":-0.07364474028348923,"channel":1,"num_words":50,"start":318.905,"end":342.73},{"sentences":[{"text":"Oh, yeah.","start":343.22998,"end":343.62997,"sentiment":"neutral","sentiment_score":-0.007890396285802126},{"text":"Yeah.","start":343.62997,"end":343.87,"sentiment":"neutral","sentiment_score":-0.002093291841447354},{"text":"You talked about the beneficiary","start":343.87,"end":345.16998,"sentiment":"neutral","sentiment_score":0.00409172959625721}],"sentiment":"neutral","sentiment_score":0.00032307044602930546,"channel":0,"num_words":8,"start":343.22998,"end":345.16998},{"sentences":[{"text":"That's my...","start":344.755,"end":345.415,"sentiment":"neutral","sentiment_score":0.0006170200649648905}],"sentiment":"neutral","sentiment_score":0.0006170200649648905,"channel":1,"num_words":2,"start":344.755,"end":345.415},{"sentences":[{"text":"nominations for","start":345.38998,"end":346.11,"sentiment":"neutral","sentiment_score":0.0012046867050230503}],"sentiment":"neutral","sentiment_score":0.0012046867050230503,"channel":0,"num_words":2,"start":345.38998,"end":346.11},{"sentences":[{"text":"Yeah.","start":346.035,"end":346.535,"sentiment":"neutral","sentiment_score":-0.009220028296113014}],"sentiment":"neutral","sentiment_score":-0.009220028296113014,"channel":1,"num_words":1,"start":346.035,"end":346.535},{"sentences":[{"text":"the super.","start":346.11,"end":346.77,"sentiment":"neutral","sentiment_score":-0.011814530473202467}],"sentiment":"neutral","sentiment_score":-0.011814530473202467,"channel":0,"num_words":2,"start":346.11,"end":346.77},{"sentences":[{"text":"Yeah.","start":347.155,"end":347.655,"sentiment":"neutral","sentiment_score":-0.026812229305505753}],"sentiment":"neutral","sentiment_score":-0.026812229305505753,"channel":1,"num_words":1,"start":347.155,"end":347.655},{"sentences":[{"text":"Has to be like a financial dependent or something like that.","start":347.895,"end":350.955,"sentiment":"neutral","sentiment_score":-0.04065236703238704}],"sentiment":"neutral","sentiment_score":-0.04065236703238704,"channel":0,"num_words":11,"start":347.895,"end":350.955},{"sentences":[{"text":"Yeah.","start":350.515,"end":351.015,"sentiment":"neutral","sentiment_score":0.029127273708581924},{"text":"Yes.","start":351.23502,"end":351.73502,"sentiment":"neutral","sentiment_score":0.0909873992204666}],"sentiment":"neutral","sentiment_score":0.06005733646452426,"channel":1,"num_words":2,"start":350.515,"end":351.73502},{"sentences":[{"text":"Cool.","start":351.895,"end":352.395,"sentiment":"neutral","sentiment_score":0.15792052447795868}],"sentiment":"neutral","sentiment_score":0.15792052447795868,"channel":0,"num_words":1,"start":351.895,"end":352.395},{"sentences":[{"text":"So that's as far as","start":352.435,"end":353.475,"sentiment":"neutral","sentiment_score":0.07000706493854522}],"sentiment":"neutral","sentiment_score":0.07000706493854522,"channel":1,"num_words":5,"start":352.435,"end":353.475},{"sentences":[{"text":"One","start":353.335,"end":353.835,"sentiment":"neutral","sentiment_score":0.05147828161716461}],"sentiment":"neutral","sentiment_score":0.05147828161716461,"channel":0,"num_words":1,"start":353.335,"end":353.835},{"sentences":[{"text":"I've gotten.","start":353.475,"end":354.11502,"sentiment":"neutral","sentiment_score":0.06585612893104553},{"text":"I didn't actually put anything on paper.","start":354.11502,"end":356.215,"sentiment":"neutral","sentiment_score":-0.06837094947695732}],"sentiment":"neutral","sentiment_score":-0.03854270983073446,"channel":1,"num_words":9,"start":353.475,"end":356.215},{"sentences":[{"text":"thing I was gonna double check with you too is for the life insurance.","start":357.655,"end":362.94998,"sentiment":"neutral","sentiment_score":-0.05359410175255367},{"text":"I wasn't able to see it today with Zurich whether your nephew is listed on there.","start":363.88998,"end":368.63,"sentiment":"neutral","sentiment_score":-0.07422783342190087},{"text":"But if he's not...","start":368.69,"end":370.06998,"sentiment":"neutral","sentiment_score":-0.10084423422813416},{"text":"Like, life insurance go to anybody.","start":370.37,"end":372.15,"sentiment":"neutral","sentiment_score":-0.13931730637947717},{"text":"Do you want do you want him listed for at least a 100,000","start":372.21,"end":375.20502,"sentiment":"neutral","sentiment_score":0.009051169340427104}],"sentiment":"neutral","sentiment_score":-0.057727893076415335,"channel":0,"num_words":53,"start":357.655,"end":375.20502},{"sentences":[{"text":"Yeah.","start":374.995,"end":375.395,"sentiment":"neutral","sentiment_score":0.01609087735414505}],"sentiment":"neutral","sentiment_score":0.01609087735414505,"channel":1,"num_words":1,"start":374.995,"end":375.395},{"sentences":[{"text":"of the","start":375.20502,"end":375.445,"sentiment":"neutral","sentiment_score":0.00547060021199286}],"sentiment":"neutral","sentiment_score":0.00547060021199286,"channel":0,"num_words":2,"start":375.20502,"end":375.445},{"sentences":[{"text":"Yeah.","start":375.395,"end":375.895,"sentiment":"neutral","sentiment_score":0.011607717722654344}],"sentiment":"neutral","sentiment_score":0.011607717722654344,"channel":1,"num_words":1,"start":375.395,"end":375.895},{"sentences":[{"text":"life insurance?","start":375.445,"end":376.185,"sentiment":"neutral","sentiment_score":0.0015629301778972149},{"text":"Or...","start":376.325,"end":376.825,"sentiment":"neutral","sentiment_score":0.011547110974788666}],"sentiment":"neutral","sentiment_score":0.0048909904435276985,"channel":0,"num_words":3,"start":375.445,"end":376.825},{"sentences":[{"text":"Yeah.","start":376.355,"end":376.675,"sentiment":"neutral","sentiment_score":0.09660561382770538},{"text":"Yeah.","start":376.675,"end":377.075,"sentiment":"neutral","sentiment_score":0.23250269889831543},{"text":"That'll be that'll be good.","start":377.075,"end":378.615,"sentiment":"positive","sentiment_score":0.5419763624668121}],"sentiment":"positive","sentiment_score":0.4341414464371545,"channel":1,"num_words":7,"start":376.355,"end":378.615},{"sentences":[{"text":"Alrighty.","start":380.80502,"end":381.30502,"sentiment":"positive","sentiment_score":0.3617717325687408},{"text":"I will have a little look at that.","start":381.36502,"end":384.165,"sentiment":"neutral","sentiment_score":0.19037500023841858},{"text":"What I'll do is I'll get the team to kind of give Zurich a call when their office reopens tomorrow.","start":384.165,"end":389.26,"sentiment":"neutral","sentiment_score":0.16240651905536652},{"text":"And","start":389.48,"end":389.98,"sentiment":"neutral","sentiment_score":0.1029871180653572}],"sentiment":"neutral","sentiment_score":0.1745296411216259,"channel":0,"num_words":30,"start":380.80502,"end":389.98},{"sentences":[{"text":"Yeah.","start":389.74,"end":390.24,"sentiment":"neutral","sentiment_score":0.08959698677062988}],"sentiment":"neutral","sentiment_score":0.08959698677062988,"channel":1,"num_words":1,"start":389.74,"end":390.24},{"sentences":[{"text":"if that's not on there, we'll get the form sent out to you to the life insurance.","start":390.04,"end":393.82,"sentiment":"neutral","sentiment_score":0.09564130336922758}],"sentiment":"neutral","sentiment_score":0.09564130336922758,"channel":0,"num_words":17,"start":390.04,"end":393.82},{"sentences":[{"text":"Yeah.","start":394.22,"end":394.54,"sentiment":"neutral","sentiment_score":0.13516221940517426},{"text":"Alright.","start":394.54,"end":395.02,"sentiment":"neutral","sentiment_score":0.26371651887893677},{"text":"Cool.","start":395.02,"end":395.355,"sentiment":"positive","sentiment_score":0.47462061047554016}],"sentiment":"neutral","sentiment_score":0.2911664495865504,"channel":1,"num_words":3,"start":394.22,"end":395.355},{"sentences":[{"text":"Perfect.","start":396.84,"end":397.34,"sentiment":"positive","sentiment_score":0.5120712518692017}],"sentiment":"positive","sentiment_score":0.5120712518692017,"channel":0,"num_words":1,"start":396.84,"end":397.34},{"sentences":[{"text":"Yeah.","start":397.915,"end":398.155,"sentiment":"neutral","sentiment_score":0.12544964253902435}],"sentiment":"neutral","sentiment_score":0.12544964253902435,"channel":1,"num_words":1,"start":397.915,"end":398.155},{"sentences":[{"text":"Outside","start":398.12,"end":398.52,"sentiment":"neutral","sentiment_score":-0.04887644201517105}],"sentiment":"neutral","sentiment_score":-0.04887644201517105,"channel":0,"num_words":1,"start":398.12,"end":398.52},{"sentences":[{"text":"I don't know","start":398.155,"end":398.975,"sentiment":"neutral","sentiment_score":-0.0828854888677597}],"sentiment":"neutral","sentiment_score":-0.0828854888677597,"channel":1,"num_words":3,"start":398.155,"end":398.975},{"sentences":[{"text":"of that, so the two","start":398.52,"end":399.66,"sentiment":"neutral","sentiment_score":-0.0665954876691103}],"sentiment":"neutral","sentiment_score":-0.0665954876691103,"channel":0,"num_words":5,"start":398.52,"end":399.66},{"sentences":[{"text":"if...","start":400.55502,"end":400.875,"sentiment":"neutral","sentiment_score":-0.036330703645944595},{"text":"Yeah.","start":400.875,"end":401.375,"sentiment":"neutral","sentiment_score":-0.020738979801535606},{"text":"Mate...","start":401.435,"end":401.595,"sentiment":"neutral","sentiment_score":-0.024338169023394585},{"text":"Yeah.","start":401.595,"end":401.83502,"sentiment":"neutral","sentiment_score":-0.027160746976733208},{"text":"Maybe do check that because I don't know about if we did do that or we're gonna do that last time.","start":401.83502,"end":407.535,"sentiment":"neutral","sentiment_score":-0.08546176233461925}],"sentiment":"neutral","sentiment_score":-0.07613062433898449,"channel":1,"num_words":25,"start":400.55502,"end":407.535},{"sentences":[{"text":"yeah.","start":408.715,"end":408.875,"sentiment":"neutral","sentiment_score":0.07268410921096802},{"text":"Cool.","start":408.875,"end":409.19498,"sentiment":"neutral","sentiment_score":0.2466740310192108},{"text":"I'll I'll have a look and I'll let you know.","start":409.19498,"end":411.13498,"sentiment":"neutral","sentiment_score":0.21786281913518907},{"text":"The super still still got him on there at the moment, but if there's no one else to to nominate, I'll then have to touch it.","start":411.835,"end":417.87003,"sentiment":"neutral","sentiment_score":0.026478049202034108}],"sentiment":"neutral","sentiment_score":0.08385304239039358,"channel":0,"num_words":38,"start":408.715,"end":417.87003},{"sentences":[{"text":"Cool.","start":417.75,"end":418.15002,"sentiment":"neutral","sentiment_score":0.2938293218612671},{"text":"Yep.","start":418.15002,"end":418.65002,"sentiment":"neutral","sentiment_score":0.2500561475753784}],"sentiment":"neutral","sentiment_score":0.27194273471832275,"channel":1,"num_words":2,"start":417.75,"end":418.65002},{"sentences":[{"text":"Cool.","start":420.09003,"end":420.59003,"sentiment":"positive","sentiment_score":0.3571234941482544},{"text":"I'll just quickly touch base on the insurance for a minute, and then we'll jump into the super there.","start":421.69,"end":426.705,"sentiment":"neutral","sentiment_score":0.23799389051763634}],"sentiment":"neutral","sentiment_score":0.24395037069916725,"channel":0,"num_words":20,"start":420.09003,"end":426.705},{"sentences":[{"text":"Yeah.","start":427.395,"end":427.895,"sentiment":"neutral","sentiment_score":0.2126045823097229}],"sentiment":"neutral","sentiment_score":0.2126045823097229,"channel":1,"num_words":1,"start":427.395,"end":427.895},{"sentences":[{"text":"The the pack that I've sent you out, just to let you know what's kind of there, we've got a bit of a summary for the super insurances, your performance, the certificates of currency from Zurich for the life insurance, the disability, the income protection, a few service guides and consent forms from us, and a bit of a tax file number opt in form as well.","start":427.66498,"end":449.08002,"sentiment":"neutral","sentiment_score":0.2129571344425429},{"text":"Are you able to look onto that email with me at the moment, or how are you going to the","start":449.38,"end":453.525,"sentiment":"neutral","sentiment_score":0.08132073087617755}],"sentiment":"neutral","sentiment_score":0.18269589224337845,"channel":0,"num_words":87,"start":427.66498,"end":453.525},{"sentences":[{"text":"What do I click on?","start":455.295,"end":456.255,"sentiment":"neutral","sentiment_score":-0.005027839168906212},{"text":"Because the other...","start":456.255,"end":457.135,"sentiment":"neutral","sentiment_score":-0.01862081264456113},{"text":"There's no attachment to the one that you sent me.","start":457.135,"end":462.31,"sentiment":"neutral","sentiment_score":-0.04305547121912241}],"sentiment":"neutral","sentiment_score":-0.028419796998302143,"channel":1,"num_words":18,"start":455.295,"end":462.31},{"sentences":[{"text":"tech side?","start":462.88498,"end":463.365,"sentiment":"neutral","sentiment_score":0.0027047405019402504},{"text":"Yeah.","start":463.365,"end":463.685,"sentiment":"neutral","sentiment_score":0.06899109482765198},{"text":"That's right.","start":463.685,"end":464.245,"sentiment":"neutral","sentiment_score":0.12191277742385864},{"text":"So with the Odoo system, if you actually click the sign button, it brings open all documents to scroll through.","start":464.245,"end":470.24,"sentiment":"neutral","sentiment_score":0.1392074154689908}],"sentiment":"neutral","sentiment_score":0.12409497760236263,"channel":0,"num_words":25,"start":462.88498,"end":470.24},{"sentences":[{"text":"Oh, okay.","start":470.05,"end":470.69,"sentiment":"neutral","sentiment_score":0.04573879763484001}],"sentiment":"neutral","sentiment_score":0.04573879763484001,"channel":1,"num_words":2,"start":470.05,"end":470.69},{"sentences":[{"text":"It","start":470.54,"end":470.78,"sentiment":"neutral","sentiment_score":-0.006054103374481201}],"sentiment":"neutral","sentiment_score":-0.006054103374481201,"channel":0,"num_words":1,"start":470.54,"end":470.78},{"sentences":[{"text":"Yep.","start":470.69,"end":471.19,"sentiment":"neutral","sentiment_score":-0.016963575035333633}],"sentiment":"neutral","sentiment_score":-0.016963575035333633,"channel":1,"num_words":1,"start":470.69,"end":471.19},{"sentences":[{"text":"doesn't actually sign anything until the end.","start":470.78,"end":473.2,"sentiment":"neutral","sentiment_score":-0.095838905445167}],"sentiment":"neutral","sentiment_score":-0.095838905445167,"channel":0,"num_words":7,"start":470.78,"end":473.2},{"sentences":[{"text":"Cool.","start":473.475,"end":473.975,"sentiment":"neutral","sentiment_score":0.24368254840373993},{"text":"I've just pressed on it now.","start":474.83502,"end":476.375,"sentiment":"neutral","sentiment_score":0.09575863058368365}],"sentiment":"neutral","sentiment_score":0.11689061884369169,"channel":1,"num_words":7,"start":473.475,"end":476.375},{"sentences":[{"text":"So it may take a second to load, but you should see our letterhead at the top of the first one for the super and insurance summary.","start":477.66,"end":484.24,"sentiment":"neutral","sentiment_score":0.04067165321773953}],"sentiment":"neutral","sentiment_score":0.04067165321773953,"channel":0,"num_words":27,"start":477.66,"end":484.24},{"sentences":[{"text":"Oh, yeah.","start":487.15503,"end":487.795,"sentiment":"neutral","sentiment_score":0.11837490648031235},{"text":"Yep.","start":487.795,"end":488.25,"sentiment":"neutral","sentiment_score":0.1640404760837555},{"text":"I've got the summary of superannuation insurance, the twenty eighth, the twenty sixth, hub, and direct.","start":488.41,"end":496.03,"sentiment":"neutral","sentiment_score":0.17900576535612345}],"sentiment":"neutral","sentiment_score":0.1718359228811766,"channel":1,"num_words":19,"start":487.15503,"end":496.03},{"sentences":[{"text":"That's the one.","start":499.32498,"end":500.22,"sentiment":"neutral","sentiment_score":0.17281800011793771},{"text":"So","start":500.54,"end":500.86002,"sentiment":"neutral","sentiment_score":0.17361438274383545}],"sentiment":"neutral","sentiment_score":0.17301709577441216,"channel":0,"num_words":4,"start":499.32498,"end":500.86002},{"sentences":[{"text":"Yep.","start":500.57,"end":501.07,"sentiment":"neutral","sentiment_score":0.16984574496746063}],"sentiment":"neutral","sentiment_score":0.16984574496746063,"channel":1,"num_words":1,"start":500.57,"end":501.07},{"sentences":[{"text":"with Zurich, you've got a 110,000 of life and disability insurance.","start":500.86002,"end":505.52,"sentiment":"neutral","sentiment_score":0.16545548222281717}],"sentiment":"neutral","sentiment_score":0.16545548222281717,"channel":0,"num_words":11,"start":500.86002,"end":505.52},{"sentences":[{"text":"Yeah.","start":505.975,"end":506.475,"sentiment":"neutral","sentiment_score":0.13472893834114075}],"sentiment":"neutral","sentiment_score":0.13472893834114075,"channel":1,"num_words":1,"start":505.975,"end":506.475},{"sentences":[{"text":"That's your your lump sum if you can never work again or you pass away.","start":505.98,"end":509.74,"sentiment":"neutral","sentiment_score":-0.034668202698230746},{"text":"They're kind of linked together.","start":509.74,"end":511.04,"sentiment":"neutral","sentiment_score":0.11063670963048935},{"text":"And you wanted me to do any kind of changes or quotes for those amounts this year?","start":512.425,"end":516.84503,"sentiment":"neutral","sentiment_score":0.09149381562190897}],"sentiment":"neutral","sentiment_score":0.04293392900679562,"channel":0,"num_words":37,"start":505.98,"end":516.84503},{"sentences":[{"text":"No.","start":517.01,"end":517.33,"sentiment":"neutral","sentiment_score":-0.19176897406578064},{"text":"That that should be alright.","start":517.33,"end":518.87,"sentiment":"neutral","sentiment_score":-0.07544555068016053}],"sentiment":"neutral","sentiment_score":-0.09483278791109721,"channel":1,"num_words":6,"start":517.01,"end":518.87},{"sentences":[{"text":"Cool.","start":520.34503,"end":520.84503,"sentiment":"positive","sentiment_score":0.4276495575904846},{"text":"When it comes to the income protection, so I do a little bit of a a calculation work back.","start":521.22504,"end":526.185,"sentiment":"neutral","sentiment_score":0.12163853802179035},{"text":"Now just bear in mind, they cover you for 70% of your income, and they're technically insuring you for an income of 72,000.","start":526.185,"end":535.10004,"sentiment":"neutral","sentiment_score":0.15370667077924893},{"text":"You mentioned 68,000, so it's pretty","start":535.64,"end":538.52,"sentiment":"neutral","sentiment_score":0.059466613456606865}],"sentiment":"neutral","sentiment_score":0.13532316099320138,"channel":0,"num_words":49,"start":520.34503,"end":538.52},{"sentences":[{"text":"Yep.","start":538.215,"end":538.715,"sentiment":"neutral","sentiment_score":-0.015939686447381973}],"sentiment":"neutral","sentiment_score":-0.015939686447381973,"channel":1,"num_words":1,"start":538.215,"end":538.715},{"sentences":[{"text":"close, but you're technically a tiny bit over insured with your current income.","start":538.52,"end":542.3,"sentiment":"neutral","sentiment_score":-0.18243648971502596}],"sentiment":"neutral","sentiment_score":-0.18243648971502596,"channel":0,"num_words":13,"start":538.52,"end":542.3},{"sentences":[{"text":"Oh, okay.","start":543.015,"end":543.755,"sentiment":"neutral","sentiment_score":-0.02200021967291832}],"sentiment":"neutral","sentiment_score":-0.02200021967291832,"channel":1,"num_words":2,"start":543.015,"end":543.755},{"sentences":[{"text":"Now it's one of the things where you can trim it down a little bit to try and get the premiums down.","start":545.185,"end":550.065,"sentiment":"neutral","sentiment_score":-0.032073659653013405},{"text":"Probably wouldn't do too much, but does that sort of over insurance make sense?","start":550.065,"end":555.84503,"sentiment":"neutral","sentiment_score":-0.1354597189596721}],"sentiment":"neutral","sentiment_score":-0.07227934938338068,"channel":0,"num_words":36,"start":545.185,"end":555.84503},{"sentences":[{"text":"So...","start":555.82996,"end":556.32996,"sentiment":"neutral","sentiment_score":-0.017510533332824707},{"text":"Yeah.","start":556.55,"end":557.05,"sentiment":"neutral","sentiment_score":0.004058061167597771},{"text":"I think so.","start":558.355,"end":559.15497,"sentiment":"neutral","sentiment_score":0.0028759830941756568}],"sentiment":"neutral","sentiment_score":-0.0009649045765399933,"channel":1,"num_words":5,"start":555.82996,"end":559.15497},{"sentences":[{"text":"If I","start":558.91,"end":559.23,"sentiment":"neutral","sentiment_score":0.005241502076387405}],"sentiment":"neutral","sentiment_score":0.005241502076387405,"channel":0,"num_words":2,"start":558.91,"end":559.23},{"sentences":[{"text":"Yeah.","start":559.15497,"end":559.65497,"sentiment":"neutral","sentiment_score":0.011715522967278956}],"sentiment":"neutral","sentiment_score":0.011715522967278956,"channel":1,"num_words":1,"start":559.15497,"end":559.65497},{"sentences":[{"text":"go 68070% in monthly...","start":559.23,"end":565.00995,"sentiment":"neutral","sentiment_score":0.017129129264503717},{"text":"So, realistically, let's say you went on claim now and you said,","start":565.23,"end":569.23,"sentiment":"neutral","sentiment_score":0.004154232063835177}],"sentiment":"neutral","sentiment_score":0.007397956364002312,"channel":0,"num_words":16,"start":559.23,"end":569.23},{"sentences":[{"text":"Yeah.","start":569.15497,"end":569.65497,"sentiment":"neutral","sentiment_score":0.026116302236914635}],"sentiment":"neutral","sentiment_score":0.026116302236914635,"channel":1,"num_words":1,"start":569.15497,"end":569.65497},{"sentences":[{"text":"oh, here's my tax return.","start":569.23,"end":570.50995,"sentiment":"neutral","sentiment_score":0.0516150452196598},{"text":"I'm on 68,000.","start":570.50995,"end":572.05,"sentiment":"neutral","sentiment_score":0.04784035806854566}],"sentiment":"neutral","sentiment_score":0.050199537537992,"channel":0,"num_words":8,"start":569.23,"end":572.05},{"sentences":[{"text":"Yep.","start":572.55,"end":573.05,"sentiment":"neutral","sentiment_score":0.11839798092842102}],"sentiment":"neutral","sentiment_score":0.11839798092842102,"channel":1,"num_words":1,"start":572.55,"end":573.05},{"sentences":[{"text":"They would pay you 4,000 a month instead of 4,200 a month because that's your your income on paper.","start":572.675,"end":579.415,"sentiment":"neutral","sentiment_score":0.07695818359130308}],"sentiment":"neutral","sentiment_score":0.07695818359130308,"channel":0,"num_words":19,"start":572.675,"end":579.415},{"sentences":[{"text":"Oh, okay.","start":579.67,"end":580.31,"sentiment":"neutral","sentiment_score":0.051312586292624474},{"text":"Yeah.","start":580.31,"end":580.55,"sentiment":"neutral","sentiment_score":0.0444006621837616},{"text":"Yeah.","start":580.55,"end":580.79,"sentiment":"neutral","sentiment_score":0.06127212941646576},{"text":"I get it.","start":580.79,"end":581.685,"sentiment":"neutral","sentiment_score":0.06550951798756917}],"sentiment":"neutral","sentiment_score":0.05783235973545483,"channel":1,"num_words":7,"start":579.67,"end":581.685},{"sentences":[{"text":"K?","start":582.675,"end":583.175,"sentiment":"neutral","sentiment_score":0.015260669402778149},{"text":"It's a thirty day waiting period.","start":583.315,"end":584.83496,"sentiment":"neutral","sentiment_score":-0.04375372609744469},{"text":"So if you're out of work for more than a month, so, you know, illness or injury, it'll kick in monthly for up to two years.","start":584.83496,"end":591.89,"sentiment":"neutral","sentiment_score":-0.14188721045278585}],"sentiment":"neutral","sentiment_score":-0.11928270178649461,"channel":0,"num_words":33,"start":582.675,"end":591.89},{"sentences":[{"text":"Okay.","start":592.485,"end":592.985,"sentiment":"neutral","sentiment_score":0.029270146042108536},{"text":"Yep.","start":593.045,"end":593.545,"sentiment":"neutral","sentiment_score":0.05166836082935333}],"sentiment":"neutral","sentiment_score":0.040469253435730934,"channel":1,"num_words":2,"start":592.485,"end":593.545},{"sentences":[{"text":"Now are you expecting any kind of job changes or pay rises the next couple of years?","start":594.83,"end":599.535,"sentiment":"neutral","sentiment_score":0.0080797919893966}],"sentiment":"neutral","sentiment_score":0.0080797919893966,"channel":0,"num_words":17,"start":594.83,"end":599.535},{"sentences":[{"text":"Funny you say that.","start":601.23,"end":602.43,"sentiment":"neutral","sentiment_score":-0.14169560372829437},{"text":"I didn't get it off a a job offer yesterday.","start":602.43,"end":605.17,"sentiment":"neutral","sentiment_score":-0.19460630863904954}],"sentiment":"neutral","sentiment_score":-0.17948896437883377,"channel":1,"num_words":14,"start":601.23,"end":605.17},{"sentences":[{"text":"Yeah.","start":606.975,"end":607.21497,"sentiment":"neutral","sentiment_score":0.05336616188287735},{"text":"Right.","start":607.21497,"end":607.71497,"sentiment":"neutral","sentiment_score":0.09837925434112547},{"text":"Hopefully, aiming for a little bit more.","start":608.01495,"end":610.115,"sentiment":"neutral","sentiment_score":0.2109316119125911}],"sentiment":"neutral","sentiment_score":0.18091852217912674,"channel":0,"num_words":9,"start":606.975,"end":610.115},{"sentences":[{"text":"Absolutely.","start":610.60504,"end":611.10504,"sentiment":"positive","sentiment_score":0.3951289057731629},{"text":"Heaps more.","start":611.965,"end":612.60504,"sentiment":"neutral","sentiment_score":0.2935219258069992},{"text":"I'm hoping, but, yeah, I've gotta call them back.","start":612.60504,"end":615.645,"sentiment":"neutral","sentiment_score":0.04944884611500634},{"text":"I'm gonna call them tomorrow and find out a bit more about it.","start":615.645,"end":618.78503,"sentiment":"neutral","sentiment_score":0.09721774951769756}],"sentiment":"neutral","sentiment_score":0.10764172464609147,"channel":1,"num_words":25,"start":610.60504,"end":618.78503},{"sentences":[{"text":"Also, do you want me to kind of leave this one as is for now?","start":620.67,"end":623.63,"sentiment":"neutral","sentiment_score":-0.002209199530382951},{"text":"And then if you do get that other job, we'll just kind of reassess the","start":623.63,"end":627.485,"sentiment":"neutral","sentiment_score":0.004894831466178099}],"sentiment":"neutral","sentiment_score":0.0013428159678975742,"channel":0,"num_words":30,"start":620.67,"end":627.485},{"sentences":[{"text":"Yeah.","start":628.48004,"end":628.96,"sentiment":"neutral","sentiment_score":0.035708628594875336},{"text":"Maybe that'll be easier because, yeah, it's not not set in stone yet.","start":628.96,"end":632.9,"sentiment":"neutral","sentiment_score":0.036944666447547764}],"sentiment":"neutral","sentiment_score":0.03685637802949974,"channel":1,"num_words":14,"start":628.48004,"end":632.9},{"sentences":[{"text":"the amount.","start":632.505,"end":634.005,"sentiment":"neutral","sentiment_score":0.01674360129982233},{"text":"Oh, okay.","start":634.505,"end":635.14496,"sentiment":"neutral","sentiment_score":0.059140436351299286},{"text":"Yeah.","start":635.14496,"end":635.64496,"sentiment":"neutral","sentiment_score":0.07228384912014008},{"text":"We'll do that.","start":636.02496,"end":636.765,"sentiment":"neutral","sentiment_score":0.10183010747035344},{"text":"What I might do too is we'll get the team to kind of give you a buzz in a couple of weeks just to see","start":637.785,"end":644.6,"sentiment":"neutral","sentiment_score":0.07880244433879852}],"sentiment":"neutral","sentiment_score":0.07574555622131536,"channel":0,"num_words":33,"start":632.505,"end":644.6},{"sentences":[{"text":"Okay.","start":644.40497,"end":644.90497,"sentiment":"neutral","sentiment_score":0.05575629323720932}],"sentiment":"neutral","sentiment_score":0.05575629323720932,"channel":1,"num_words":1,"start":644.40497,"end":644.90497},{"sentences":[{"text":"how that went.","start":644.6,"end":645.5,"sentiment":"neutral","sentiment_score":0.07811527947584788}],"sentiment":"neutral","sentiment_score":0.07811527947584788,"channel":0,"num_words":3,"start":644.6,"end":645.5},{"sentences":[{"text":"Yep.","start":645.605,"end":646.105,"sentiment":"neutral","sentiment_score":0.2698291540145874}],"sentiment":"neutral","sentiment_score":0.2698291540145874,"channel":1,"num_words":1,"start":645.605,"end":646.105},{"sentences":[{"text":"Cool.","start":647.8,"end":648.3,"sentiment":"positive","sentiment_score":0.4659270644187927},{"text":"Premiums, $215.07 per year, 15% rebate drops down under $2, so that's pretty good.","start":649.0,"end":655.425,"sentiment":"positive","sentiment_score":0.47066386682646616},{"text":"I do need to keep an eye on premiums because the insurance would increase every year.","start":655.985,"end":660.96497,"sentiment":"neutral","sentiment_score":-0.00022173975594341668},{"text":"I don't","start":661.185,"end":661.505,"sentiment":"neutral","sentiment_score":-0.1203109659254551}],"sentiment":"neutral","sentiment_score":0.2063954979407065,"channel":0,"num_words":33,"start":647.8,"end":661.505},{"sentences":[{"text":"Yes.","start":661.35,"end":661.85,"sentiment":"neutral","sentiment_score":-0.14530149102211}],"sentiment":"neutral","sentiment_score":-0.14530149102211,"channel":1,"num_words":1,"start":661.35,"end":661.85},{"sentences":[{"text":"want you to be going backwards from.","start":661.505,"end":663.685,"sentiment":"neutral","sentiment_score":-0.22021213386740005}],"sentiment":"neutral","sentiment_score":-0.22021213386740005,"channel":0,"num_words":7,"start":661.505,"end":663.685},{"sentences":[{"text":"Yeah.","start":664.825,"end":665.325,"sentiment":"neutral","sentiment_score":-0.028575390577316284}],"sentiment":"neutral","sentiment_score":-0.028575390577316284,"channel":1,"num_words":1,"start":664.825,"end":665.325},{"sentences":[{"text":"One thing I will double check with you is I believe you might have, like, a smoker's rates applied to the policy.","start":666.785,"end":674.78,"sentiment":"neutral","sentiment_score":-0.050644958561117},{"text":"I'm just wondering if you might be twelve months cigarette free or anything like that.","start":675.08,"end":680.06,"sentiment":"neutral","sentiment_score":-0.06765794977545739}],"sentiment":"neutral","sentiment_score":-0.05754211716152526,"channel":0,"num_words":37,"start":666.785,"end":680.06},{"sentences":[{"text":"For smoke...","start":681.56,"end":682.19995,"sentiment":"neutral","sentiment_score":-0.05645010620355606},{"text":"Like, if I'm gonna give up smoking?","start":682.19995,"end":684.06,"sentiment":"neutral","sentiment_score":-0.1172570703285081}],"sentiment":"neutral","sentiment_score":-0.10374441163407432,"channel":1,"num_words":9,"start":681.56,"end":684.06},{"sentences":[{"text":"Yeah.","start":685.445,"end":685.605,"sentiment":"neutral","sentiment_score":-0.06086582690477371},{"text":"If we or if we already have since the last review or anything like that.","start":685.605,"end":688.985,"sentiment":"neutral","sentiment_score":-0.07823375314474106}],"sentiment":"neutral","sentiment_score":-0.0771482577547431,"channel":0,"num_words":16,"start":685.445,"end":688.985},{"sentences":[{"text":"I'm sorry.","start":688.935,"end":689.675,"sentiment":"neutral","sentiment_score":-0.08921376243233681},{"text":"But...","start":689.735,"end":689.97504,"sentiment":"neutral","sentiment_score":-0.054825205355882645},{"text":"No.","start":689.97504,"end":690.215,"sentiment":"neutral","sentiment_score":-0.17915210127830505},{"text":"And I'm I'm still smoking, and I probably won't plan on not smoking depending on what happens with the pricing if it goes up anymore.","start":690.215,"end":698.155,"sentiment":"neutral","sentiment_score":-0.23316039860248566}],"sentiment":"neutral","sentiment_score":-0.2152211998814139,"channel":1,"num_words":29,"start":688.935,"end":698.155},{"sentences":[{"text":"That's okay.","start":698.005,"end":698.825,"sentiment":"neutral","sentiment_score":-0.07012074813246727},{"text":"It's one of those fun things where, yeah, the excise tax makes everything get more expensive, and then they up your insurances too.","start":699.48,"end":706.04,"sentiment":"neutral","sentiment_score":-0.28128918940606323},{"text":"So it's a little bit of a vicious cycle there.","start":706.04,"end":708.22,"sentiment":"neutral","sentiment_score":-0.30127084255218506}],"sentiment":"neutral","sentiment_score":-0.27493146508932115,"channel":0,"num_words":35,"start":698.005,"end":708.22},{"sentences":[{"text":"Yeah.","start":708.45996,"end":708.95996,"sentiment":"neutral","sentiment_score":-0.0509735532104969}],"sentiment":"neutral","sentiment_score":-0.0509735532104969,"channel":1,"num_words":1,"start":708.45996,"end":708.95996},{"sentences":[{"text":"But, again, I'll pencil in for a bit of a a quick check on the the occupation in a couple of weeks.","start":710.36,"end":716.105,"sentiment":"neutral","sentiment_score":-0.003944281657988375},{"text":"So","start":716.105,"end":716.345,"sentiment":"neutral","sentiment_score":0.030813202261924744}],"sentiment":"neutral","sentiment_score":-0.002433086704948674,"channel":0,"num_words":23,"start":710.36,"end":716.345},{"sentences":[{"text":"Yes.","start":716.22,"end":716.72,"sentiment":"neutral","sentiment_score":0.040876902639865875}],"sentiment":"neutral","sentiment_score":0.040876902639865875,"channel":1,"num_words":1,"start":716.22,"end":716.72},{"sentences":[{"text":"I'll leave those alone for now.","start":716.345,"end":717.805,"sentiment":"neutral","sentiment_score":-0.013511935151958218},{"text":"You don't have any trauma insurance as well.","start":718.185,"end":720.425,"sentiment":"negative","sentiment_score":-0.33516477793455124},{"text":"That's the last one for heart attack, stroke, and cancer, but that's more like a...","start":720.425,"end":725.14496,"sentiment":"neutral","sentiment_score":-0.27011738419532777},{"text":"You have to pay for that one out of pocket.","start":725.14496,"end":727.08496,"sentiment":"negative","sentiment_score":-0.5294462531805039}],"sentiment":"neutral","sentiment_score":-0.3104772597211055,"channel":0,"num_words":39,"start":716.345,"end":727.08496},{"sentences":[{"text":"Okay.","start":727.625,"end":728.025,"sentiment":"neutral","sentiment_score":0.09753035008907318},{"text":"Yep.","start":728.025,"end":728.525,"sentiment":"neutral","sentiment_score":0.20073185861110687}],"sentiment":"neutral","sentiment_score":0.14913110435009003,"channel":1,"num_words":2,"start":727.625,"end":728.525},{"sentences":[{"text":"Cool.","start":730.32,"end":730.82,"sentiment":"neutral","sentiment_score":0.3328384757041931},{"text":"Now swinging over to the super there, if you go to the next next document, you should see that big blue table for the hub 20 four report.","start":731.28,"end":741.38,"sentiment":"neutral","sentiment_score":0.15412043274513312}],"sentiment":"neutral","sentiment_score":0.16028312388165245,"channel":0,"num_words":29,"start":730.32,"end":741.38},{"sentences":[{"text":"Oh, yep.","start":741.48,"end":742.14,"sentiment":"neutral","sentiment_score":0.07126201689243317},{"text":"Enlarge it a bit.","start":745.735,"end":746.955,"sentiment":"neutral","sentiment_score":0.056259400211274624}],"sentiment":"neutral","sentiment_score":0.06126027243832747,"channel":1,"num_words":6,"start":741.48,"end":746.955},{"sentences":[{"text":"Now I'm not sure if you're on computer or phone.","start":746.81494,"end":749.295,"sentiment":"neutral","sentiment_score":-0.11428029350936413},{"text":"I'm just wondering if you can make out any of the figures in that table or the words.","start":749.295,"end":753.055,"sentiment":"neutral","sentiment_score":-0.08954324490494198},{"text":"Is it clear?","start":753.055,"end":753.95496,"sentiment":"neutral","sentiment_score":-0.045542243868112564},{"text":"Can you see it?","start":754.01495,"end":755.01,"sentiment":"neutral","sentiment_score":-0.03492116089910269}],"sentiment":"neutral","sentiment_score":-0.08659693481666701,"channel":0,"num_words":35,"start":746.81494,"end":755.01},{"sentences":[{"text":"I'm on my phone, so I'm just trying to enlarge our performance with IRA, is it?","start":755.495,"end":762.41,"sentiment":"neutral","sentiment_score":0.012150347465649247}],"sentiment":"neutral","sentiment_score":0.012150347465649247,"channel":1,"num_words":16,"start":755.495,"end":762.41},{"sentences":[{"text":"Yep.","start":763.49,"end":763.89,"sentiment":"neutral","sentiment_score":0.07821956276893616},{"text":"That's the one.","start":763.89,"end":764.87,"sentiment":"neutral","sentiment_score":0.09260354439417522},{"text":"Now what I wanna kind of point out here on this one is I don't know if you're able to see all of the names of the funds on the left hand column where it's got, like, a Benelon and a BetaShares and a Global X Gold and all this kind of thing all down that left hand side.","start":767.705,"end":782.98,"sentiment":"neutral","sentiment_score":0.019776790907953756}],"sentiment":"neutral","sentiment_score":0.024172394595567196,"channel":0,"num_words":63,"start":763.49,"end":782.98},{"sentences":[{"text":"Yes.","start":783.315,"end":783.815,"sentiment":"neutral","sentiment_score":0.1215066909790039}],"sentiment":"neutral","sentiment_score":0.1215066909790039,"channel":1,"num_words":1,"start":783.315,"end":783.815},{"sentences":[{"text":"Now that's all of the options inside the server.","start":785.52,"end":788.48,"sentiment":"neutral","sentiment_score":0.1703723528318935},{"text":"There's a good sort of seven, eight of them.","start":788.48,"end":790.5,"sentiment":"neutral","sentiment_score":0.15374736901786593},{"text":"Some of them are for shares, some for gold, some for safe things like term deposits.","start":791.12,"end":795.46,"sentiment":"neutral","sentiment_score":0.10608569253236055},{"text":"What I really...","start":796.445,"end":797.42505,"sentiment":"neutral","sentiment_score":0.1306240657965342},{"text":"I guess the way I'd explain it is if you put all of them together, it makes a bit of a pie chart for the different assets that you're invested in.","start":797.72504,"end":805.98505,"sentiment":"neutral","sentiment_score":0.15479376599673303}],"sentiment":"neutral","sentiment_score":0.14419011059491074,"channel":0,"num_words":68,"start":785.52,"end":805.98505},{"sentences":[{"text":"Okay.","start":806.46497,"end":806.96497,"sentiment":"neutral","sentiment_score":0.15570670366287231}],"sentiment":"neutral","sentiment_score":0.15570670366287231,"channel":1,"num_words":1,"start":806.46497,"end":806.96497},{"sentences":[{"text":"Now you're in what's called a a growth portfolio.","start":808.365,"end":811.185,"sentiment":"neutral","sentiment_score":0.15540961093372768},{"text":"So, technically speaking, four out of five on the risk scale.","start":811.83,"end":815.93005,"sentiment":"neutral","sentiment_score":0.09409280189058998},{"text":"You're a little bit above medium in terms of risk and return.","start":816.31,"end":820.09,"sentiment":"neutral","sentiment_score":0.046255359426140785},{"text":"You're not high risk.","start":820.23004,"end":821.53,"sentiment":"neutral","sentiment_score":-0.05823856336064637},{"text":"So","start":821.91003,"end":822.39,"sentiment":"neutral","sentiment_score":0.14745214581489563}],"sentiment":"neutral","sentiment_score":0.07846674391043347,"channel":0,"num_words":37,"start":808.365,"end":822.39},{"sentences":[{"text":"Yes.","start":822.0,"end":822.5,"sentiment":"positive","sentiment_score":0.3363052010536194}],"sentiment":"positive","sentiment_score":0.3363052010536194,"channel":1,"num_words":1,"start":822.0,"end":822.5},{"sentences":[{"text":"what that does, we're basically putting 80% of your money into growth assets, which is like shares company goal, 20% in the safest side of things, if that makes sense.","start":822.39,"end":833.785,"sentiment":"positive","sentiment_score":0.3541044051448504}],"sentiment":"positive","sentiment_score":0.3541044051448504,"channel":0,"num_words":30,"start":822.39,"end":833.785},{"sentences":[{"text":"Yes.","start":834.255,"end":834.755,"sentiment":"neutral","sentiment_score":0.29536497592926025}],"sentiment":"neutral","sentiment_score":0.29536497592926025,"channel":1,"num_words":1,"start":834.255,"end":834.755},{"sentences":[{"text":"Cool.","start":836.245,"end":836.745,"sentiment":"neutral","sentiment_score":0.03194695711135864},{"text":"Now what I can kind of see here is the very right hand column, it gives you percentage returns for all those options.","start":837.045,"end":844.95,"sentiment":"neutral","sentiment_score":0.11917241533165393}],"sentiment":"neutral","sentiment_score":0.11553802123914163,"channel":0,"num_words":24,"start":836.245,"end":844.95},{"sentences":[{"text":"Oh, yeah.","start":846.39,"end":847.05,"sentiment":"neutral","sentiment_score":0.15852126479148865}],"sentiment":"neutral","sentiment_score":0.15852126479148865,"channel":1,"num_words":2,"start":846.39,"end":847.05},{"sentences":[{"text":"Now when I look at the portfolio, what I basically gotta do is say, okay.","start":848.29004,"end":852.255,"sentiment":"neutral","sentiment_score":0.13409225593010585},{"text":"If you're in a growth portfolio, we we kind of want the super growing at about 9% of the year as a bit of a benchmark.","start":852.415,"end":859.635,"sentiment":"neutral","sentiment_score":0.21472638644851172},{"text":"Does that make sense?","start":859.695,"end":860.675,"sentiment":"neutral","sentiment_score":0.12120283953845501}],"sentiment":"neutral","sentiment_score":0.1795351387725936,"channel":0,"num_words":45,"start":848.29004,"end":860.675},{"sentences":[{"text":"Yeah.","start":861.11505,"end":861.42,"sentiment":"neutral","sentiment_score":0.06887312233448029}],"sentiment":"neutral","sentiment_score":0.06887312233448029,"channel":1,"num_words":1,"start":861.11505,"end":861.42},{"sentences":[{"text":"So some years it goes up 15.","start":862.895,"end":865.395,"sentiment":"neutral","sentiment_score":0.040352284376110346},{"text":"Some years it goes down 8%, that kind of thing.","start":865.53503,"end":868.02,"sentiment":"neutral","sentiment_score":-0.08760958015918732},{"text":"You've still cleared 9.2% after fees since you've been on board.","start":868.82,"end":873.64,"sentiment":"neutral","sentiment_score":0.054516264322129165},{"text":"It's had a bit of an up and down.","start":874.10004,"end":875.7,"sentiment":"neutral","sentiment_score":-0.31245998707082534},{"text":"I don't know if you...","start":875.7,"end":876.5,"sentiment":"neutral","sentiment_score":-0.13218733072280883}],"sentiment":"neutral","sentiment_score":-0.08254827239683696,"channel":0,"num_words":42,"start":862.895,"end":876.5},{"sentences":[{"text":"Do you log in to to look at your super every now and then?","start":876.5,"end":879.16003,"sentiment":"neutral","sentiment_score":-0.0049707042053341866}],"sentiment":"neutral","sentiment_score":-0.0049707042053341866,"channel":0,"num_words":14,"start":876.5,"end":879.16003},{"sentences":[{"text":"I haven't lately, actually, but I I was previously.","start":879.13495,"end":883.15497,"sentiment":"neutral","sentiment_score":-0.07597483942906062}],"sentiment":"neutral","sentiment_score":-0.07597483942906062,"channel":1,"num_words":9,"start":879.13495,"end":883.15497},{"sentences":[{"text":"So what's basically been happening is January to March, we had the war on Iran kickoff, and it stopped us.","start":885.625,"end":891.785,"sentiment":"neutral","sentiment_score":-0.16598205268383026},{"text":"It went down, then it went back up again, and then it's come down again last month.","start":891.785,"end":896.76,"sentiment":"neutral","sentiment_score":-0.1309809310033041},{"text":"Basically, your super went from 213,000 down to $20.02 and then back","start":897.16003,"end":902.84,"sentiment":"neutral","sentiment_score":0.08847174777959783}],"sentiment":"neutral","sentiment_score":-0.09152358994648165,"channel":0,"num_words":49,"start":885.625,"end":902.84},{"sentences":[{"text":"Yes.","start":902.65,"end":903.15,"sentiment":"neutral","sentiment_score":0.1380476355552673}],"sentiment":"neutral","sentiment_score":0.1380476355552673,"channel":1,"num_words":1,"start":902.65,"end":903.15},{"sentences":[{"text":"up to $2.27.","start":902.84,"end":904.2,"sentiment":"neutral","sentiment_score":0.2757211724917094},{"text":"So it's kind of bounced back up into the positive this year.","start":904.2,"end":907.18,"sentiment":"positive","sentiment_score":0.4487195387482643}],"sentiment":"positive","sentiment_score":0.41411986549695334,"channel":0,"num_words":15,"start":902.84,"end":907.18},{"sentences":[{"text":"Yeah.","start":907.375,"end":907.875,"sentiment":"neutral","sentiment_score":0.07653473317623138}],"sentiment":"neutral","sentiment_score":0.07653473317623138,"channel":1,"num_words":1,"start":907.375,"end":907.875},{"sentences":[{"text":"Now it's only up a few percent because of those market drops.","start":909.375,"end":913.235,"sentiment":"neutral","sentiment_score":-0.14888315089046955},{"text":"Like I said, still going good since you've become a client about, but","start":913.375,"end":917.295,"sentiment":"neutral","sentiment_score":0.2026115395128727}],"sentiment":"neutral","sentiment_score":0.03389408811926842,"channel":0,"num_words":25,"start":909.375,"end":917.295},{"sentences":[{"text":"Yeah.","start":917.215,"end":917.715,"sentiment":"neutral","sentiment_score":0.009291514754295347}],"sentiment":"neutral","sentiment_score":0.009291514754295347,"channel":1,"num_words":1,"start":917.215,"end":917.715},{"sentences":[{"text":"there's a couple of little points that I would like to address.","start":917.295,"end":920.275,"sentiment":"neutral","sentiment_score":0.013871987660725912}],"sentiment":"neutral","sentiment_score":0.013871987660725912,"channel":0,"num_words":12,"start":917.295,"end":920.275},{"sentences":[{"text":"Okay.","start":920.7,"end":921.2,"sentiment":"neutral","sentiment_score":0.06707792729139328}],"sentiment":"neutral","sentiment_score":0.06707792729139328,"channel":1,"num_words":1,"start":920.7,"end":921.2},{"sentences":[{"text":"The very top option and the very bottom option.","start":923.215,"end":926.39996,"sentiment":"neutral","sentiment_score":0.07634893763396475},{"text":"I don't know if you can make out those percentages, but they've got brackets around.","start":926.39996,"end":929.77997,"sentiment":"neutral","sentiment_score":0.028949781134724618}],"sentiment":"neutral","sentiment_score":0.04672446482193967,"channel":0,"num_words":24,"start":923.215,"end":929.77997},{"sentences":[{"text":"Yeah.","start":931.92505,"end":932.405,"sentiment":"neutral","sentiment_score":0.01862270012497902},{"text":"The...","start":932.405,"end":932.905,"sentiment":"neutral","sentiment_score":0.0023491382598876953},{"text":"Oh, very top of...","start":933.92505,"end":935.68506,"sentiment":"neutral","sentiment_score":0.029455528361722827},{"text":"Oh, yeah.","start":935.68506,"end":935.92505,"sentiment":"neutral","sentiment_score":0.06756730191409588},{"text":"Very top.","start":935.92505,"end":936.48505,"sentiment":"neutral","sentiment_score":0.11716610565781593}],"sentiment":"neutral","sentiment_score":0.05082607669755816,"channel":1,"num_words":10,"start":931.92505,"end":936.48505},{"sentences":[{"text":"The 17...","start":936.48505,"end":937.60504,"sentiment":"neutral","sentiment_score":0.02942825574427843},{"text":"What is it?","start":937.60504,"end":938.325,"sentiment":"neutral","sentiment_score":0.014639790480335554},{"text":"Four nine.","start":938.325,"end":939.145,"sentiment":"neutral","sentiment_score":0.018620483111590147}],"sentiment":"neutral","sentiment_score":0.020002407021820545,"channel":1,"num_words":7,"start":936.48505,"end":939.145},{"sentences":[{"text":"Yes.","start":940.425,"end":940.745,"sentiment":"neutral","sentiment_score":0.09364736080169678},{"text":"Yes.","start":940.745,"end":941.145,"sentiment":"neutral","sentiment_score":0.13224434852600098},{"text":"That's the one.","start":941.145,"end":942.025,"sentiment":"neutral","sentiment_score":0.13979037602742514},{"text":"So","start":942.025,"end":942.525,"sentiment":"neutral","sentiment_score":0.09804936498403548}],"sentiment":"neutral","sentiment_score":0.1238853670656681,"channel":0,"num_words":6,"start":940.425,"end":942.525},{"sentences":[{"text":"Point two","start":942.965,"end":943.60504,"sentiment":"neutral","sentiment_score":0.07741809636354446}],"sentiment":"neutral","sentiment_score":0.07741809636354446,"channel":1,"num_words":2,"start":942.965,"end":943.60504},{"sentences":[{"text":"that","start":943.385,"end":943.625,"sentiment":"neutral","sentiment_score":0.059592198580503464}],"sentiment":"neutral","sentiment_score":0.059592198580503464,"channel":0,"num_words":1,"start":943.385,"end":943.625},{"sentences":[{"text":"six.","start":943.60504,"end":944.1,"sentiment":"neutral","sentiment_score":0.030334478244185448}],"sentiment":"neutral","sentiment_score":0.030334478244185448,"channel":1,"num_words":1,"start":943.60504,"end":944.1},{"sentences":[{"text":"option at the top, that dropped 17%, and the property at the bottom dropped 15.","start":943.625,"end":949.805,"sentiment":"neutral","sentiment_score":0.026510588886837164},{"text":"Everything else in the middle looks pretty well positive or double digit.","start":950.185,"end":953.805,"sentiment":"positive","sentiment_score":0.4066157514850299}],"sentiment":"neutral","sentiment_score":0.19544621670825613,"channel":0,"num_words":27,"start":943.625,"end":953.805},{"sentences":[{"text":"Yep.","start":954.42,"end":954.92,"sentiment":"neutral","sentiment_score":-0.01930651068687439}],"sentiment":"neutral","sentiment_score":-0.01930651068687439,"channel":1,"num_words":1,"start":954.42,"end":954.92},{"sentences":[{"text":"What that basically means is when the government came out with that capital gains tax negative gearing law, the property options dropped, and the Australian market's also been dropping for the rate rises and and fuel prices as well.","start":956.35004,"end":968.865,"sentiment":"neutral","sentiment_score":-0.21411193668460235}],"sentiment":"neutral","sentiment_score":-0.21411193668460235,"channel":0,"num_words":39,"start":956.35004,"end":968.865},{"sentences":[{"text":"Yep.","start":969.345,"end":969.845,"sentiment":"neutral","sentiment_score":0.04349611699581146}],"sentiment":"neutral","sentiment_score":0.04349611699581146,"channel":1,"num_words":1,"start":969.345,"end":969.845},{"sentences":[{"text":"So what I can do is while you're going through the the the job application, I can do a bit of a research on a couple of options to maybe switch out to those.","start":971.345,"end":981.36,"sentiment":"neutral","sentiment_score":0.07126632606720223},{"text":"We don't maybe have to overhaul everything.","start":981.92,"end":984.07996,"sentiment":"neutral","sentiment_score":-0.05609880414392267},{"text":"It could just be a bit of an engine tune up on just a couple of options.","start":984.07996,"end":987.3,"sentiment":"neutral","sentiment_score":0.0032581333070993423}],"sentiment":"neutral","sentiment_score":0.03596123661203631,"channel":0,"num_words":58,"start":971.345,"end":987.3},{"sentences":[{"text":"Yep.","start":987.925,"end":988.425,"sentiment":"neutral","sentiment_score":0.07379993051290512},{"text":"Whatever you think.","start":988.885,"end":989.945,"sentiment":"neutral","sentiment_score":0.07029053196310997},{"text":"Yeah.","start":990.005,"end":990.505,"sentiment":"neutral","sentiment_score":0.21610021591186523}],"sentiment":"neutral","sentiment_score":0.10015434846282005,"channel":1,"num_words":5,"start":987.925,"end":990.505},{"sentences":[{"text":"Cool.","start":992.72,"end":993.22,"sentiment":"positive","sentiment_score":0.4324074983596802},{"text":"Would you be comfortable for me to kind of try and find some lower fee investments as as well, maybe go for a slightly different style?","start":993.27997,"end":999.405,"sentiment":"neutral","sentiment_score":0.23954753778301752}],"sentiment":"neutral","sentiment_score":0.24669049928585687,"channel":0,"num_words":27,"start":992.72,"end":999.405},{"sentences":[{"text":"Yeah.","start":1001.29004,"end":1001.53,"sentiment":"neutral","sentiment_score":0.08006694912910461},{"text":"What...","start":1001.53,"end":1001.93,"sentiment":"neutral","sentiment_score":0.05386510118842125},{"text":"Yeah.","start":1001.93,"end":1002.25,"sentiment":"neutral","sentiment_score":0.14593657851219177},{"text":"Whatever gives me the best outcome.","start":1002.25,"end":1004.51,"sentiment":"neutral","sentiment_score":0.18518496553103128}],"sentiment":"neutral","sentiment_score":0.15455315800176728,"channel":1,"num_words":9,"start":1001.29004,"end":1004.51},{"sentences":[{"text":"Yeah.","start":1005.785,"end":1006.105,"sentiment":"neutral","sentiment_score":0.23008672893047333},{"text":"Absolutely.","start":1006.105,"end":1006.605,"sentiment":"neutral","sentiment_score":0.30313587188720703},{"text":"So what I'll do is we'll give you a call in a couple of weeks for the the other job plan.","start":1006.825,"end":1010.985,"sentiment":"neutral","sentiment_score":0.1290795544073695},{"text":"That'll give me an indication for the income protection.","start":1010.985,"end":1013.82,"sentiment":"neutral","sentiment_score":0.07449618520008193},{"text":"In","start":1013.82,"end":1014.06,"sentiment":"neutral","sentiment_score":0.05412009730935097}],"sentiment":"neutral","sentiment_score":0.12025693962068269,"channel":0,"num_words":33,"start":1005.785,"end":1014.06},{"sentences":[{"text":"Yes.","start":1014.025,"end":1014.525,"sentiment":"neutral","sentiment_score":0.07067649066448212}],"sentiment":"neutral","sentiment_score":0.07067649066448212,"channel":1,"num_words":1,"start":1014.025,"end":1014.525},{"sentences":[{"text":"the interim, I'll get the team to to look at a couple of options to mix in.","start":1014.06,"end":1018.0,"sentiment":"neutral","sentiment_score":0.08721995331785258},{"text":"We've got a couple we have been researching as well.","start":1018.3,"end":1021.36,"sentiment":"neutral","sentiment_score":0.12675724774599076},{"text":"That should at least, while the world's on fire, at least maybe drop the fees a little bit and hopefully","start":1021.82,"end":1026.405,"sentiment":"neutral","sentiment_score":0.07127650016918778}],"sentiment":"neutral","sentiment_score":0.08884769547334377,"channel":0,"num_words":47,"start":1014.06,"end":1026.405},{"sentences":[{"text":"Yep.","start":1026.39,"end":1026.89,"sentiment":"neutral","sentiment_score":0.10527794063091278}],"sentiment":"neutral","sentiment_score":0.10527794063091278,"channel":1,"num_words":1,"start":1026.39,"end":1026.89},{"sentences":[{"text":"bump up the returns a little bit until things calm down.","start":1026.405,"end":1029.305,"sentiment":"neutral","sentiment_score":0.08261474425142462}],"sentiment":"neutral","sentiment_score":0.08261474425142462,"channel":0,"num_words":11,"start":1026.405,"end":1029.305},{"sentences":[{"text":"Alright.","start":1029.83,"end":1030.33,"sentiment":"neutral","sentiment_score":0.16771090030670166}],"sentiment":"neutral","sentiment_score":0.16771090030670166,"channel":1,"num_words":1,"start":1029.83,"end":1030.33},{"sentences":[{"text":"Cool.","start":1032.005,"end":1032.505,"sentiment":"neutral","sentiment_score":0.24087215960025787},{"text":"Does all that make sense so far?","start":1033.125,"end":1034.645,"sentiment":"neutral","sentiment_score":0.18128501517432077},{"text":"Any questions at the moment?","start":1034.645,"end":1036.025,"sentiment":"neutral","sentiment_score":0.04481865093111992}],"sentiment":"neutral","sentiment_score":0.13338157849816176,"channel":0,"num_words":13,"start":1032.005,"end":1036.025},{"sentences":[{"text":"As much as I understand it.","start":1036.225,"end":1037.745,"sentiment":"neutral","sentiment_score":0.030786126231153805},{"text":"Yeah.","start":1037.745,"end":1038.245,"sentiment":"neutral","sentiment_score":0.18194830417633057}],"sentiment":"neutral","sentiment_score":0.05238072308046477,"channel":1,"num_words":7,"start":1036.225,"end":1038.245},{"sentences":[{"text":"Cool.","start":1039.6051,"end":1040.04,"sentiment":"neutral","sentiment_score":0.23637579381465912},{"text":"The last thing I'll ask you is when it comes to that risk profile I mentioned being broke, realistically, because you've got fifteen years into retirement, you've got the option either stay as you are and get as much growth as you can for, let's say, the next eight or nine years.","start":1040.68,"end":1058.145,"sentiment":"neutral","sentiment_score":-0.006328211398795247}],"sentiment":"neutral","sentiment_score":-0.0017488905457112025,"channel":0,"num_words":53,"start":1039.6051,"end":1058.145},{"sentences":[{"text":"Mhmm.","start":1058.4,"end":1058.9,"sentiment":"neutral","sentiment_score":0.007018790580332279}],"sentiment":"neutral","sentiment_score":0.007018790580332279,"channel":1,"num_words":1,"start":1058.4,"end":1058.9},{"sentences":[{"text":"When you're close to retirement, we can reduce the risk down so you don't lose it all when you've been in 64.","start":1058.4451,"end":1064.0651,"sentiment":"neutral","sentiment_score":0.00803831724492325}],"sentiment":"neutral","sentiment_score":0.00803831724492325,"channel":0,"num_words":22,"start":1058.4451,"end":1064.0651},{"sentences":[{"text":"Yes.","start":1064.3201,"end":1064.655,"sentiment":"neutral","sentiment_score":0.024029597640037537}],"sentiment":"neutral","sentiment_score":0.024029597640037537,"channel":1,"num_words":1,"start":1064.3201,"end":1064.655},{"sentences":[{"text":"Or you could kick it up into high growth if you really wanna try and increase the return, but that has increased the risk.","start":1064.925,"end":1071.51,"sentiment":"neutral","sentiment_score":-0.0680346932883064}],"sentiment":"neutral","sentiment_score":-0.0680346932883064,"channel":0,"num_words":24,"start":1064.925,"end":1071.51},{"sentences":[{"text":"No.","start":1072.415,"end":1072.655,"sentiment":"negative","sentiment_score":-0.46404898166656494},{"text":"I'm happy to stay where I am.","start":1072.655,"end":1074.515,"sentiment":"negative","sentiment_score":-0.36630699038505554}],"sentiment":"negative","sentiment_score":-0.3785247392952442,"channel":1,"num_words":8,"start":1072.415,"end":1074.515},{"sentences":[{"text":"Cool.","start":1077.1699,"end":1077.49,"sentiment":"neutral","sentiment_score":0.0805719792842865},{"text":"We'll keep it as the growth profile, give it an engine sure enough, and we should be good for a while.","start":1077.49,"end":1082.15,"sentiment":"positive","sentiment_score":0.5201469872679029}],"sentiment":"positive","sentiment_score":0.5001663050868295,"channel":0,"num_words":22,"start":1077.1699,"end":1082.15},{"sentences":[{"text":"Alright.","start":1082.6,"end":1083.0,"sentiment":"positive","sentiment_score":0.5714770555496216},{"text":"Cool.","start":1083.0,"end":1083.5,"sentiment":"positive","sentiment_score":0.7900484204292297}],"sentiment":"positive","sentiment_score":0.6807627379894257,"channel":1,"num_words":2,"start":1082.6,"end":1083.5},{"sentences":[{"text":"Awesome.","start":1084.6649,"end":1085.1649,"sentiment":"positive","sentiment_score":0.7452206611633301},{"text":"Now just for the rest of those documents that are in there, if you skip past to the next document, you'll see a big red Vanguard chart.","start":1085.225,"end":1091.8049,"sentiment":"neutral","sentiment_score":0.14708905970608746}],"sentiment":"neutral","sentiment_score":0.1684509026152747,"channel":0,"num_words":28,"start":1084.6649,"end":1091.8049},{"sentences":[{"text":"So next document.","start":1093.735,"end":1095.5684,"sentiment":"neutral","sentiment_score":0.02401069241265456},{"text":"Oh, yep.","start":1095.735,"end":1096.395,"sentiment":"neutral","sentiment_score":0.04721212014555931}],"sentiment":"neutral","sentiment_score":0.03329126350581646,"channel":1,"num_words":5,"start":1093.735,"end":1096.395},{"sentences":[{"text":"Yeah.","start":1097.5399,"end":1097.7,"sentiment":"neutral","sentiment_score":0.043865639716386795},{"text":"You may have seen this one a few times, but it basically just shows that if you factor in all of the stock market crashes and financial","start":1097.7,"end":1104.02,"sentiment":"neutral","sentiment_score":0.022692630343415118}],"sentiment":"neutral","sentiment_score":0.023448809249592677,"channel":0,"num_words":28,"start":1097.5399,"end":1104.02},{"sentences":[{"text":"Yes.","start":1103.8301,"end":1104.3301,"sentiment":"neutral","sentiment_score":0.09508619457483292}],"sentiment":"neutral","sentiment_score":0.09508619457483292,"channel":1,"num_words":1,"start":1103.8301,"end":1104.3301},{"sentences":[{"text":"crises that happen, you can still get good returns long term as long as you've got enough time in the market.","start":1104.02,"end":1109.775,"sentiment":"neutral","sentiment_score":0.27873132768131437},{"text":"The next document there is your certificate of currency for the income protection.","start":1112.415,"end":1117.155,"sentiment":"neutral","sentiment_score":0.07775452733039856}],"sentiment":"neutral","sentiment_score":0.2018872569589054,"channel":0,"num_words":34,"start":1104.02,"end":1117.155},{"sentences":[{"text":"Yes.","start":1118.15,"end":1118.65,"sentiment":"neutral","sentiment_score":0.12241166085004808}],"sentiment":"neutral","sentiment_score":0.12241166085004808,"channel":1,"num_words":1,"start":1118.15,"end":1118.65},{"sentences":[{"text":"So that's just a validity certificate.","start":1120.495,"end":1122.3351,"sentiment":"neutral","sentiment_score":0.13923472414414087},{"text":"If anything happens, we can help you with the claim and claims advice as well.","start":1122.3351,"end":1126.93,"sentiment":"neutral","sentiment_score":0.2075995534658432},{"text":"If you click on the next one, that is your life and disability.","start":1127.0701,"end":1130.6901,"sentiment":"neutral","sentiment_score":0.07353804489740959}],"sentiment":"neutral","sentiment_score":0.1442763597211417,"channel":0,"num_words":34,"start":1120.495,"end":1130.6901},{"sentences":[{"text":"I've got the certificate of currency, and then you said next document.","start":1135.1699,"end":1139.91,"sentiment":"neutral","sentiment_score":0.05204046688353022},{"text":"Oh, is that the the blue one?","start":1141.33,"end":1143.09,"sentiment":"neutral","sentiment_score":0.011650890444538422},{"text":"I view service guide one?","start":1143.09,"end":1146.285,"sentiment":"neutral","sentiment_score":0.002403129171580076}],"sentiment":"neutral","sentiment_score":0.029919061732168,"channel":1,"num_words":24,"start":1135.1699,"end":1146.285},{"sentences":[{"text":"Yeah.","start":1146.685,"end":1146.925,"sentiment":"neutral","sentiment_score":0.011231793090701103}],"sentiment":"neutral","sentiment_score":0.011231793090701103,"channel":0,"num_words":1,"start":1146.685,"end":1146.925},{"sentences":[{"text":"Yeah.","start":1146.825,"end":1147.225,"sentiment":"neutral","sentiment_score":0.016127021983265877}],"sentiment":"neutral","sentiment_score":0.016127021983265877,"channel":1,"num_words":1,"start":1146.825,"end":1147.225},{"sentences":[{"text":"Yep.","start":1146.925,"end":1147.2451,"sentiment":"neutral","sentiment_score":0.014777789823710918}],"sentiment":"neutral","sentiment_score":0.014777789823710918,"channel":0,"num_words":1,"start":1146.925,"end":1147.2451},{"sentences":[{"text":"The...","start":1147.225,"end":1147.725,"sentiment":"neutral","sentiment_score":0.003171951975673437}],"sentiment":"neutral","sentiment_score":0.003171951975673437,"channel":1,"num_words":1,"start":1147.225,"end":1147.725},{"sentences":[{"text":"That's the next one.","start":1147.2451,"end":1148.4651,"sentiment":"neutral","sentiment_score":0.012222623685374856}],"sentiment":"neutral","sentiment_score":0.012222623685374856,"channel":0,"num_words":4,"start":1147.2451,"end":1148.4651},{"sentences":[{"text":"Yeah.","start":1148.905,"end":1149.405,"sentiment":"neutral","sentiment_score":0.012929642572999}],"sentiment":"neutral","sentiment_score":0.012929642572999,"channel":1,"num_words":1,"start":1148.905,"end":1149.405},{"sentences":[{"text":"Now this one's got a few pages in it, but I just want you to...","start":1149.0851,"end":1152.98,"sentiment":"neutral","sentiment_score":0.009391057956963777},{"text":"If you can scroll down.","start":1152.98,"end":1154.82,"sentiment":"neutral","sentiment_score":-0.006057124212384224},{"text":"I don't know if you can skip pages or scroll down for us.","start":1154.82,"end":1158.74,"sentiment":"neutral","sentiment_score":-0.0010191998802698576},{"text":"You'll see basically, like, our our values and pictures of the team and directors.","start":1158.74,"end":1163.5599,"sentiment":"neutral","sentiment_score":0.04737912863492966},{"text":"But when you get to about the thirteenth page, there'll be another blue document saying financial services guide about halfway down.","start":1164.6749,"end":1173.815,"sentiment":"neutral","sentiment_score":0.005694737258766379}],"sentiment":"neutral","sentiment_score":0.012944528429002008,"channel":0,"num_words":68,"start":1149.0851,"end":1173.815},{"sentences":[{"text":"I reckon I can...","start":1174.1449,"end":1175.1849,"sentiment":"neutral","sentiment_score":0.013086431194096804},{"text":"I'll just...","start":1175.1849,"end":1175.585,"sentiment":"neutral","sentiment_score":0.01423665788024664},{"text":"I've just zoomed in to see the page numbers.","start":1175.585,"end":1178.1449,"sentiment":"neutral","sentiment_score":0.019425755884084437},{"text":"So 13, did you say?","start":1178.1449,"end":1179.9249,"sentiment":"neutral","sentiment_score":0.007110149972140789}],"sentiment":"neutral","sentiment_score":0.014560079667717218,"channel":1,"num_words":20,"start":1174.1449,"end":1179.9249},{"sentences":[{"text":"Yeah.","start":1181.32,"end":1181.72,"sentiment":"neutral","sentiment_score":0.01437884196639061},{"text":"About 13 on the software.","start":1181.72,"end":1183.34,"sentiment":"neutral","sentiment_score":0.019642069190740585},{"text":"It'll be kind of the fourteenth on the document.","start":1184.12,"end":1186.3,"sentiment":"neutral","sentiment_score":0.03741050076981386},{"text":"And you'll see, like, at the end, there's a big team photo, and then it'll go back to another blue document that that you picture straight after it.","start":1190.705,"end":1197.925,"sentiment":"neutral","sentiment_score":0.04739339463412762},{"text":"Cool.","start":1199.905,"end":1200.305,"sentiment":"neutral","sentiment_score":0.16323858499526978}],"sentiment":"neutral","sentiment_score":0.044080393854528666,"channel":0,"num_words":44,"start":1181.32,"end":1200.305},{"sentences":[{"text":"Now if you could just go down...","start":1200.305,"end":1201.925,"sentiment":"neutral","sentiment_score":0.025620666731681143},{"text":"Yep.","start":1202.625,"end":1203.125,"sentiment":"neutral","sentiment_score":0.013484438881278038},{"text":"Does it say financial services guide on it rather than overview services?","start":1203.185,"end":1211.34,"sentiment":"neutral","sentiment_score":-0.006010217669730385}],"sentiment":"neutral","sentiment_score":0.0060353246983140705,"channel":0,"num_words":20,"start":1200.305,"end":1211.34},{"sentences":[{"text":"Paying charges.","start":1211.655,"end":1212.555,"sentiment":"neutral","sentiment_score":-0.07430913299322128},{"text":"I've gone too far, paying charges?","start":1212.935,"end":1214.875,"sentiment":"neutral","sentiment_score":-0.1356226106484731},{"text":"Individual clients?","start":1215.0951,"end":1216.395,"sentiment":"neutral","sentiment_score":-0.0826745443046093}],"sentiment":"neutral","sentiment_score":-0.11277030184864997,"channel":1,"num_words":10,"start":1211.655,"end":1216.395},{"sentences":[{"text":"No.","start":1216.0399,"end":1216.2,"sentiment":"neutral","sentiment_score":-0.04708198830485344},{"text":"That's perfect.","start":1216.2,"end":1217.02,"sentiment":"positive","sentiment_score":0.8131158947944641},{"text":"So if you go one more page, you'll see a couple of tables there, And you should see individually coupled with some little tables of, like, a fee structure.","start":1217.4,"end":1228.825,"sentiment":"neutral","sentiment_score":0.09687596264070478},{"text":"It was the one after fees and charges","start":1235.605,"end":1237.625,"sentiment":"neutral","sentiment_score":0.040447261184453964}],"sentiment":"neutral","sentiment_score":0.11780327018350363,"channel":0,"num_words":40,"start":1216.0399,"end":1237.625},{"sentences":[{"text":"I just","start":1238.025,"end":1238.425,"sentiment":"neutral","sentiment_score":0.02817616704851389}],"sentiment":"neutral","sentiment_score":0.02817616704851389,"channel":1,"num_words":2,"start":1238.025,"end":1238.425},{"sentences":[{"text":"before","start":1238.21,"end":1238.71,"sentiment":"neutral","sentiment_score":0.0118170827627182}],"sentiment":"neutral","sentiment_score":0.0118170827627182,"channel":0,"num_words":1,"start":1238.21,"end":1238.71},{"sentences":[{"text":"hit the financial","start":1238.425,"end":1239.3251,"sentiment":"neutral","sentiment_score":0.014475720624128977}],"sentiment":"neutral","sentiment_score":0.014475720624128977,"channel":1,"num_words":3,"start":1238.425,"end":1239.3251},{"sentences":[{"text":"the associate.","start":1239.01,"end":1239.83,"sentiment":"neutral","sentiment_score":0.010554314590990543}],"sentiment":"neutral","sentiment_score":0.010554314590990543,"channel":0,"num_words":2,"start":1239.01,"end":1239.83},{"sentences":[{"text":"advice.","start":1239.865,"end":1240.365,"sentiment":"neutral","sentiment_score":0.010129561647772787},{"text":"I reckon that you've talked to before.","start":1240.425,"end":1242.365,"sentiment":"neutral","sentiment_score":0.01627547453556742}],"sentiment":"neutral","sentiment_score":0.015507235424593091,"channel":1,"num_words":8,"start":1239.865,"end":1242.365},{"sentences":[{"text":"Oh, yes.","start":1244.61,"end":1245.51,"sentiment":"neutral","sentiment_score":0.07015222311019897}],"sentiment":"neutral","sentiment_score":0.07015222311019897,"channel":0,"num_words":2,"start":1244.61,"end":1245.51},{"sentences":[{"text":"Oh, well,","start":1246.4401,"end":1246.76,"sentiment":"neutral","sentiment_score":0.1084059365093708}],"sentiment":"neutral","sentiment_score":0.1084059365093708,"channel":1,"num_words":2,"start":1246.4401,"end":1246.76},{"sentences":[{"text":"Cool.","start":1246.6901,"end":1247.1901,"sentiment":"neutral","sentiment_score":0.27395951747894287}],"sentiment":"neutral","sentiment_score":0.27395951747894287,"channel":0,"num_words":1,"start":1246.6901,"end":1247.1901},{"sentences":[{"text":"let me get it.","start":1246.76,"end":1247.56,"sentiment":"neutral","sentiment_score":0.16090240329504013},{"text":"What what...","start":1247.56,"end":1249.26,"sentiment":"neutral","sentiment_score":0.023532778024673462},{"text":"Oh, so that's the last page, the financial advice.","start":1249.3201,"end":1252.3,"sentiment":"neutral","sentiment_score":0.02082396588391728},{"text":"I'm on the last page.","start":1254.1201,"end":1255.3401,"sentiment":"neutral","sentiment_score":0.01755478959530592}],"sentiment":"neutral","sentiment_score":0.048293240508064626,"channel":1,"num_words":20,"start":1246.76,"end":1255.3401},{"sentences":[{"text":"And the last page...","start":1257.335,"end":1258.215,"sentiment":"neutral","sentiment_score":-0.0012610609410330653},{"text":"Let me just have a quick look.","start":1258.215,"end":1259.595,"sentiment":"neutral","sentiment_score":0.0030685526185802053},{"text":"Alright.","start":1265.095,"end":1265.575,"sentiment":"neutral","sentiment_score":0.01858934573829174},{"text":"That one.","start":1265.575,"end":1266.0549,"sentiment":"neutral","sentiment_score":0.003296657931059599},{"text":"Oh, sorry.","start":1266.0549,"end":1266.7949,"sentiment":"neutral","sentiment_score":-0.09024741128087044}],"sentiment":"neutral","sentiment_score":-0.008679783524712548,"channel":0,"num_words":16,"start":1257.335,"end":1266.7949},{"sentences":[{"text":"My computer's lagging now.","start":1266.855,"end":1268.475,"sentiment":"neutral","sentiment_score":-0.28422077000141144},{"text":"The...","start":1269.52,"end":1269.84,"sentiment":"neutral","sentiment_score":-0.08590196073055267}],"sentiment":"neutral","sentiment_score":-0.24455700814723969,"channel":0,"num_words":5,"start":1266.855,"end":1269.84},{"sentences":[{"text":"Yeah.","start":1269.61,"end":1270.11,"sentiment":"neutral","sentiment_score":-0.04218895733356476}],"sentiment":"neutral","sentiment_score":-0.04218895733356476,"channel":1,"num_words":1,"start":1269.61,"end":1270.11},{"sentences":[{"text":"It says financial advice for everyday Australians on the last page, but that one says financial services guide.","start":1269.84,"end":1276.58,"sentiment":"neutral","sentiment_score":-0.025970193247000378}],"sentiment":"neutral","sentiment_score":-0.025970193247000378,"channel":0,"num_words":18,"start":1269.84,"end":1276.58},{"sentences":[{"text":"What is that?","start":1280.4099,"end":1281.3099,"sentiment":"neutral","sentiment_score":-0.02245175962646802},{"text":"Oh, about...","start":1281.85,"end":1282.57,"sentiment":"neutral","sentiment_score":-0.045865437015891075},{"text":"Oh, it's been a challenge.","start":1282.57,"end":1283.61,"sentiment":"neutral","sentiment_score":-0.22400320172309876},{"text":"Is that what you just said?","start":1283.61,"end":1285.005,"sentiment":"neutral","sentiment_score":-0.16770430902640024}],"sentiment":"neutral","sentiment_score":-0.1428330009803176,"channel":1,"num_words":16,"start":1280.4099,"end":1285.005},{"sentences":[{"text":"It'd be...","start":1288.425,"end":1289.245,"sentiment":"neutral","sentiment_score":-0.08786002174019814},{"text":"Oh, yes.","start":1290.105,"end":1290.665,"sentiment":"neutral","sentiment_score":-0.08810131624341011},{"text":"So go backwards.","start":1290.665,"end":1291.5651,"sentiment":"neutral","sentiment_score":-0.1004341294368108},{"text":"I do apologize, sir.","start":1292.025,"end":1293.4651,"sentiment":"neutral","sentiment_score":-0.12565511651337147},{"text":"If you go back","start":1293.4651,"end":1294.185,"sentiment":"neutral","sentiment_score":-0.04107153881341219}],"sentiment":"neutral","sentiment_score":-0.08800877903898557,"channel":0,"num_words":15,"start":1288.425,"end":1294.185},{"sentences":[{"text":"Yep.","start":1293.965,"end":1294.465,"sentiment":"neutral","sentiment_score":-0.029032044112682343}],"sentiment":"neutral","sentiment_score":-0.029032044112682343,"channel":1,"num_words":1,"start":1293.965,"end":1294.465},{"sentences":[{"text":"one to...","start":1294.185,"end":1295.245,"sentiment":"neutral","sentiment_score":-0.018766471184790134},{"text":"Yeah.","start":1297.0651,"end":1297.385,"sentiment":"neutral","sentiment_score":-0.004544619470834732},{"text":"One to two pages, You'll see ongoing service fee with the individual clients in couple with a couple little pages in the middle.","start":1297.385,"end":1304.6901,"sentiment":"neutral","sentiment_score":0.006933559339655482}],"sentiment":"neutral","sentiment_score":0.0045151654989100416,"channel":0,"num_words":26,"start":1294.185,"end":1304.6901},{"sentences":[{"text":"Oh, yeah.","start":1305.3301,"end":1306.0701,"sentiment":"neutral","sentiment_score":0.01962080132216215},{"text":"Yeah.","start":1306.1461,"end":1306.6461,"sentiment":"neutral","sentiment_score":0.02207939699292183},{"text":"Yeah.","start":1306.722,"end":1307.222,"sentiment":"neutral","sentiment_score":0.024578101933002472},{"text":"It's individual client ongoing, and then it's got the","start":1307.2981,"end":1312.29,"sentiment":"neutral","sentiment_score":0.016700100153684616}],"sentiment":"neutral","sentiment_score":0.018169230996416166,"channel":1,"num_words":13,"start":1305.3301,"end":1312.29},{"sentences":[{"text":"There","start":1312.27,"end":1312.51,"sentiment":"neutral","sentiment_score":0.005483608692884445}],"sentiment":"neutral","sentiment_score":0.005483608692884445,"channel":0,"num_words":1,"start":1312.27,"end":1312.51},{"sentences":[{"text":"couple.","start":1312.29,"end":1312.79,"sentiment":"neutral","sentiment_score":0.00298917293548584}],"sentiment":"neutral","sentiment_score":0.00298917293548584,"channel":1,"num_words":1,"start":1312.29,"end":1312.79},{"sentences":[{"text":"we go.","start":1312.51,"end":1313.25,"sentiment":"neutral","sentiment_score":0.01379402820020914}],"sentiment":"neutral","sentiment_score":0.01379402820020914,"channel":0,"num_words":2,"start":1312.51,"end":1313.25},{"sentences":[{"text":"Yeah.","start":1313.675,"end":1314.175,"sentiment":"neutral","sentiment_score":0.06270553916692734}],"sentiment":"neutral","sentiment_score":0.06270553916692734,"channel":1,"num_words":1,"start":1313.675,"end":1314.175},{"sentences":[{"text":"So what I wanted to let you know here is that OPU has updated its fee structure as a business.","start":1315.895,"end":1322.155,"sentiment":"neutral","sentiment_score":0.12240791656076908},{"text":"So previously, you were paying that 1.65% spread throughout the year, but we've","start":1322.375,"end":1328.13,"sentiment":"neutral","sentiment_score":0.09775999331703553}],"sentiment":"neutral","sentiment_score":0.11269812861626799,"channel":0,"num_words":33,"start":1315.895,"end":1328.13},{"sentences":[{"text":"Mhmm.","start":1328.075,"end":1328.575,"sentiment":"neutral","sentiment_score":0.08212408423423767}],"sentiment":"neutral","sentiment_score":0.08212408423423767,"channel":1,"num_words":1,"start":1328.075,"end":1328.575},{"sentences":[{"text":"added in some tier three discount.","start":1328.13,"end":1329.91,"sentiment":"neutral","sentiment_score":0.11812722807129224},{"text":"So, basically, everybody above $200,000 will start to get some discounted percentages, and then further discounts if you get 500,000 and million.","start":1332.6901,"end":1342.15,"sentiment":"neutral","sentiment_score":0.14280976456674663},{"text":"So what I've done is I've added in a service agreement and consent form for you if you're happy to receive that that discount and remain the client for that.","start":1342.485,"end":1352.1849,"sentiment":"neutral","sentiment_score":0.21680331205328304}],"sentiment":"neutral","sentiment_score":0.17852892328439088,"channel":0,"num_words":58,"start":1328.13,"end":1352.1849},{"sentences":[{"text":"Yep.","start":1352.565,"end":1352.6449,"sentiment":"neutral","sentiment_score":0.20417913794517517},{"text":"Yes.","start":1352.6449,"end":1353.1449,"sentiment":"positive","sentiment_score":0.33360910415649414}],"sentiment":"neutral","sentiment_score":0.26889412105083466,"channel":1,"num_words":2,"start":1352.565,"end":1353.1449},{"sentences":[{"text":"Perfect.","start":1355.205,"end":1355.705,"sentiment":"positive","sentiment_score":0.5232759714126587},{"text":"What it will do too is it'll kind of just do a bit of a flat fee so it doesn't follow your balance up as well, and that'll","start":1356.4701,"end":1362.23,"sentiment":"neutral","sentiment_score":0.22404185522879874}],"sentiment":"neutral","sentiment_score":0.23436027302824217,"channel":0,"num_words":29,"start":1355.205,"end":1362.23},{"sentences":[{"text":"Yep.","start":1362.15,"end":1362.65,"sentiment":"neutral","sentiment_score":0.2433915734291077}],"sentiment":"neutral","sentiment_score":0.2433915734291077,"channel":1,"num_words":1,"start":1362.15,"end":1362.65},{"sentences":[{"text":"save you a bit more.","start":1362.23,"end":1363.4501,"sentiment":"neutral","sentiment_score":0.19177510142326354},{"text":"Is there a next document button there as well?","start":1364.0701,"end":1366.73,"sentiment":"neutral","sentiment_score":0.020752992894914415}],"sentiment":"neutral","sentiment_score":0.08183231736932482,"channel":0,"num_words":14,"start":1362.23,"end":1366.73},{"sentences":[{"text":"Yep.","start":1367.5901,"end":1368.0901,"sentiment":"neutral","sentiment_score":0.12174920737743378},{"text":"Yep.","start":1369.27,"end":1369.75,"sentiment":"neutral","sentiment_score":0.2480389773845673},{"text":"Brings","start":1369.75,"end":1370.0701,"sentiment":"positive","sentiment_score":0.4153189957141876}],"sentiment":"neutral","sentiment_score":0.26170239349206287,"channel":1,"num_words":3,"start":1367.5901,"end":1370.0701},{"sentences":[{"text":"Cool.","start":1369.8301,"end":1370.15,"sentiment":"positive","sentiment_score":0.3695814609527588}],"sentiment":"positive","sentiment_score":0.3695814609527588,"channel":0,"num_words":1,"start":1369.8301,"end":1370.15},{"sentences":[{"text":"me","start":1370.0701,"end":1370.5701,"sentiment":"neutral","sentiment_score":0.13955767452716827}],"sentiment":"neutral","sentiment_score":0.13955767452716827,"channel":1,"num_words":1,"start":1370.0701,"end":1370.5701},{"sentences":[{"text":"So you should","start":1370.15,"end":1370.79,"sentiment":"neutral","sentiment_score":0.1288054883480072}],"sentiment":"neutral","sentiment_score":0.1288054883480072,"channel":0,"num_words":3,"start":1370.15,"end":1370.79},{"sentences":[{"text":"on.","start":1370.775,"end":1371.275,"sentiment":"neutral","sentiment_score":0.09116014093160628}],"sentiment":"neutral","sentiment_score":0.09116014093160628,"channel":1,"num_words":1,"start":1370.775,"end":1371.275},{"sentences":[{"text":"go to the","start":1370.79,"end":1371.61,"sentiment":"neutral","sentiment_score":0.06405667339762051}],"sentiment":"neutral","sentiment_score":0.06405667339762051,"channel":0,"num_words":3,"start":1370.79,"end":1371.61},{"sentences":[{"text":"Yeah.","start":1373.015,"end":1373.3351,"sentiment":"neutral","sentiment_score":0.050942324101924896},{"text":"Consent, and I'm going free...","start":1373.3351,"end":1375.355,"sentiment":"neutral","sentiment_score":0.04020972475409508},{"text":"Not free.","start":1375.895,"end":1376.715,"sentiment":"neutral","sentiment_score":-0.07213994488120079},{"text":"Free arrangement.","start":1376.775,"end":1377.515,"sentiment":"neutral","sentiment_score":-0.04393128305673599}],"sentiment":"neutral","sentiment_score":0.0019848491996526723,"channel":1,"num_words":10,"start":1373.015,"end":1377.515},{"sentences":[{"text":"consent.","start":1379.655,"end":1380.155,"sentiment":"neutral","sentiment_score":-0.0387343093752861},{"text":"Not free yet.","start":1380.215,"end":1381.195,"sentiment":"neutral","sentiment_score":-0.07399404297272365},{"text":"Not until we retire.","start":1381.495,"end":1382.5549,"sentiment":"neutral","sentiment_score":-0.053407346829771996}],"sentiment":"neutral","sentiment_score":-0.05929322820156813,"channel":0,"num_words":8,"start":1379.655,"end":1382.5549},{"sentences":[{"text":"Free.","start":1382.215,"end":1382.6951,"sentiment":"neutral","sentiment_score":0.03898970037698746},{"text":"Free.","start":1382.6951,"end":1383.1951,"sentiment":"neutral","sentiment_score":0.057378944009542465}],"sentiment":"neutral","sentiment_score":0.04818432219326496,"channel":1,"num_words":2,"start":1382.215,"end":1383.1951},{"sentences":[{"text":"But these are pretty much the last document.","start":1382.855,"end":1387.13,"sentiment":"neutral","sentiment_score":0.10369006637483835},{"text":"So if you are comfortable with the services, just have a pop on a signature at the bottom of that document, and then the last one will just be a tax file number opt in form.","start":1387.13,"end":1396.305,"sentiment":"neutral","sentiment_score":0.11098707601841953}],"sentiment":"neutral","sentiment_score":0.10966034699231386,"channel":0,"num_words":44,"start":1382.855,"end":1396.305},{"sentences":[{"text":"Okay.","start":1397.4401,"end":1397.9401,"sentiment":"neutral","sentiment_score":0.0941980928182602},{"text":"And it says sign the lawyer.","start":1400.8351,"end":1403.415,"sentiment":"neutral","sentiment_score":0.06486448831856251},{"text":"Wherever I will find it.","start":1404.115,"end":1406.8351,"sentiment":"neutral","sentiment_score":0.05558014214038849},{"text":"Signatures here.","start":1406.8351,"end":1407.875,"sentiment":"neutral","sentiment_score":0.07729765772819519},{"text":"So I can just click on that and add my.","start":1407.875,"end":1410.6951,"sentiment":"neutral","sentiment_score":0.09474393799901008}],"sentiment":"neutral","sentiment_score":0.07763835120325287,"channel":1,"num_words":24,"start":1397.4401,"end":1410.6951},{"sentences":[{"text":"Yeah.","start":1414.1599,"end":1414.48,"sentiment":"neutral","sentiment_score":0.2150108814239502}],"sentiment":"neutral","sentiment_score":0.2150108814239502,"channel":0,"num_words":1,"start":1414.1599,"end":1414.48},{"sentences":[{"text":"Let's","start":1414.2001,"end":1414.6,"sentiment":"neutral","sentiment_score":0.3100131154060364}],"sentiment":"neutral","sentiment_score":0.3100131154060364,"channel":1,"num_words":1,"start":1414.2001,"end":1414.6},{"sentences":[{"text":"Hopefully,","start":1414.48,"end":1414.7999,"sentiment":"positive","sentiment_score":0.3545442223548889}],"sentiment":"positive","sentiment_score":0.3545442223548889,"channel":0,"num_words":1,"start":1414.48,"end":1414.7999},{"sentences":[{"text":"go.","start":1414.6,"end":1415.1,"sentiment":"neutral","sentiment_score":0.3049435019493103}],"sentiment":"neutral","sentiment_score":0.3049435019493103,"channel":1,"num_words":1,"start":1414.6,"end":1415.1},{"sentences":[{"text":"it's pretty user friendly.","start":1414.7999,"end":1415.84,"sentiment":"positive","sentiment_score":0.5031028836965561},{"text":"It should just be a bit of a click and a stamp.","start":1415.84,"end":1417.94,"sentiment":"neutral","sentiment_score":0.3253319064776103}],"sentiment":"positive","sentiment_score":0.3697746507823467,"channel":0,"num_words":16,"start":1414.7999,"end":1417.94},{"sentences":[{"text":"So once I've signed it...","start":1420.36,"end":1422.86,"sentiment":"neutral","sentiment_score":0.07319826856255532},{"text":"Oh, what's the date?","start":1423.0,"end":1424.14,"sentiment":"neutral","sentiment_score":0.016229145228862762},{"text":"Yep.","start":1425.535,"end":1425.775,"sentiment":"neutral","sentiment_score":0.04853421449661255},{"text":"That's the right date.","start":1425.775,"end":1426.995,"sentiment":"neutral","sentiment_score":0.042571527883410454},{"text":"Date of birth.","start":1428.335,"end":1429.395,"sentiment":"neutral","sentiment_score":0.017671986172596615}],"sentiment":"neutral","sentiment_score":0.04133789460448658,"channel":1,"num_words":17,"start":1420.36,"end":1429.395},{"sentences":[{"text":"Oh, is it my date of...","start":1431.6951,"end":1432.735,"sentiment":"neutral","sentiment_score":0.005209511145949364},{"text":"No.","start":1432.735,"end":1433.235,"sentiment":"neutral","sentiment_score":-0.06620804220438004},{"text":"It's the...","start":1433.375,"end":1433.855,"sentiment":"neutral","sentiment_score":-0.043997086584568024},{"text":"Oh, no.","start":1433.855,"end":1434.175,"sentiment":"neutral","sentiment_score":-0.05845521576702595},{"text":"The date's gone on there.","start":1434.175,"end":1435.535,"sentiment":"neutral","sentiment_score":-0.03262970112264156}],"sentiment":"neutral","sentiment_score":-0.025187755352817476,"channel":1,"num_words":16,"start":1431.6951,"end":1435.535},{"sentences":[{"text":"So it's just signing it and date.","start":1435.535,"end":1437.3151,"sentiment":"neutral","sentiment_score":0.0009228390242372243}],"sentiment":"neutral","sentiment_score":0.0009228390242372243,"channel":1,"num_words":7,"start":1435.535,"end":1437.3151},{"sentences":[{"text":"Yeah.","start":1436.99,"end":1437.23,"sentiment":"neutral","sentiment_score":0.020111527293920517},{"text":"Today's date.","start":1437.23,"end":1438.21,"sentiment":"neutral","sentiment_score":0.02684067375957966},{"text":"Yep.","start":1438.91,"end":1439.3099,"sentiment":"neutral","sentiment_score":0.058272793889045715}],"sentiment":"neutral","sentiment_score":0.03301641717553139,"channel":0,"num_words":4,"start":1436.99,"end":1439.3099},{"sentences":[{"text":"Yeah.","start":1438.975,"end":1439.295,"sentiment":"neutral","sentiment_score":0.059164442121982574},{"text":"That's","start":1439.295,"end":1439.535,"sentiment":"neutral","sentiment_score":0.07058553397655487}],"sentiment":"neutral","sentiment_score":0.06487498804926872,"channel":1,"num_words":2,"start":1438.975,"end":1439.535},{"sentences":[{"text":"And then","start":1439.3099,"end":1439.7899,"sentiment":"neutral","sentiment_score":0.056179385632276535}],"sentiment":"neutral","sentiment_score":0.056179385632276535,"channel":0,"num_words":2,"start":1439.3099,"end":1439.7899},{"sentences":[{"text":"it.","start":1439.535,"end":1440.035,"sentiment":"neutral","sentiment_score":0.06014791131019592}],"sentiment":"neutral","sentiment_score":0.06014791131019592,"channel":1,"num_words":1,"start":1439.535,"end":1440.035},{"sentences":[{"text":"once you go to the next document, it'll take you to the last one.","start":1439.7899,"end":1443.1699,"sentiment":"neutral","sentiment_score":0.04789242893457413},{"text":"So this is pretty much whether you're consenting for us to still hold the tax file number.","start":1450.925,"end":1456.045,"sentiment":"neutral","sentiment_score":0.0564726558240021},{"text":"It's a very important number.","start":1456.045,"end":1457.505,"sentiment":"neutral","sentiment_score":0.12132658958435058},{"text":"Just need to make sure that you're still okay for us to hold on","start":1457.565,"end":1460.16,"sentiment":"neutral","sentiment_score":0.00888888564492975}],"sentiment":"neutral","sentiment_score":0.047232130020856855,"channel":0,"num_words":50,"start":1439.7899,"end":1460.16},{"sentences":[{"text":"You were holding on to it beforehand?","start":1460.785,"end":1462.405,"sentiment":"neutral","sentiment_score":-0.03207948112062046}],"sentiment":"neutral","sentiment_score":-0.03207948112062046,"channel":1,"num_words":7,"start":1460.785,"end":1462.405},{"sentences":[{"text":"to it.","start":1464.0,"end":1464.3201,"sentiment":"neutral","sentiment_score":0.0016438458114862442},{"text":"Yeah.","start":1464.3201,"end":1464.56,"sentiment":"neutral","sentiment_score":0.028885668143630028},{"text":"It's what we use to open up the accounts and insurances","start":1464.56,"end":1467.14,"sentiment":"neutral","sentiment_score":0.039858285676349296}],"sentiment":"neutral","sentiment_score":0.033615321586174626,"channel":0,"num_words":14,"start":1464.0,"end":1467.14},{"sentences":[{"text":"Yeah.","start":1466.9451,"end":1467.4451,"sentiment":"neutral","sentiment_score":0.053084127604961395}],"sentiment":"neutral","sentiment_score":0.053084127604961395,"channel":1,"num_words":1,"start":1466.9451,"end":1467.4451},{"sentences":[{"text":"and super","start":1467.36,"end":1467.8401,"sentiment":"neutral","sentiment_score":0.07601209729909897}],"sentiment":"neutral","sentiment_score":0.07601209729909897,"channel":0,"num_words":2,"start":1467.36,"end":1467.8401},{"sentences":[{"text":"Yes.","start":1467.5851,"end":1468.0851,"sentiment":"neutral","sentiment_score":0.05771863833069801}],"sentiment":"neutral","sentiment_score":0.05771863833069801,"channel":1,"num_words":1,"start":1467.5851,"end":1468.0851},{"sentences":[{"text":"funds and all that stuff.","start":1467.8401,"end":1468.88,"sentiment":"neutral","sentiment_score":0.08540172278881072},{"text":"Cool.","start":1468.88,"end":1469.38,"sentiment":"neutral","sentiment_score":0.1741495132446289}],"sentiment":"neutral","sentiment_score":0.10019302119811375,"channel":0,"num_words":6,"start":1467.8401,"end":1469.38},{"sentences":[{"text":"Just click validate on the......","start":1470.19,"end":1471.63,"sentiment":"neutral","sentiment_score":0.09363454282283783},{"text":"One.","start":1471.63,"end":1472.13,"sentiment":"neutral","sentiment_score":0.08526713401079178}],"sentiment":"neutral","sentiment_score":0.09223997468749683,"channel":1,"num_words":6,"start":1470.19,"end":1472.13},{"sentences":[{"text":"Yep.","start":1474.1549,"end":1474.5549,"sentiment":"neutral","sentiment_score":0.17225782573223114},{"text":"That'll come back through to us.","start":1474.5549,"end":1476.7949,"sentiment":"neutral","sentiment_score":0.2449673886100451},{"text":"You'll get a signed copy as well.","start":1476.7949,"end":1478.575,"sentiment":"neutral","sentiment_score":0.23644177402768815}],"sentiment":"neutral","sentiment_score":0.2355110411133085,"channel":0,"num_words":14,"start":1474.1549,"end":1478.575},{"sentences":[{"text":"Yep.","start":1478.99,"end":1479.49,"sentiment":"neutral","sentiment_score":0.22485867142677307}],"sentiment":"neutral","sentiment_score":0.22485867142677307,"channel":1,"num_words":1,"start":1478.99,"end":1479.49},{"sentences":[{"text":"If you ever need one, you can let us know, but it does give you options to download it, and that has come back signed.","start":1479.0349,"end":1485.355,"sentiment":"neutral","sentiment_score":0.2763757759332657},{"text":"Thank you very much for that, Joe.","start":1485.355,"end":1486.86,"sentiment":"positive","sentiment_score":0.710762517792838}],"sentiment":"positive","sentiment_score":0.3713978757150471,"channel":0,"num_words":32,"start":1479.0349,"end":1486.86},{"sentences":[{"text":"Alright.","start":1487.2151,"end":1487.7151,"sentiment":"positive","sentiment_score":0.3417825698852539}],"sentiment":"positive","sentiment_score":0.3417825698852539,"channel":1,"num_words":1,"start":1487.2151,"end":1487.7151},{"sentences":[{"text":"So, basically, from here, I will get the team to double check those insurance beneficiaries for you.","start":1489.82,"end":1496.4,"sentiment":"neutral","sentiment_score":0.23126353586421294}],"sentiment":"neutral","sentiment_score":0.23126353586421294,"channel":0,"num_words":17,"start":1489.82,"end":1496.4},{"sentences":[{"text":"Yep.","start":1496.5751,"end":1497.0751,"sentiment":"neutral","sentiment_score":0.06802066415548325}],"sentiment":"neutral","sentiment_score":0.06802066415548325,"channel":1,"num_words":1,"start":1496.5751,"end":1497.0751},{"sentences":[{"text":"We'll give you a buzz in a couple of weeks to follow-up on how the job hunting went, and","start":1496.62,"end":1500.915,"sentiment":"neutral","sentiment_score":0.20781869558911575}],"sentiment":"neutral","sentiment_score":0.20781869558911575,"channel":0,"num_words":19,"start":1496.62,"end":1500.915},{"sentences":[{"text":"Yep.","start":1500.8601,"end":1501.3601,"sentiment":"neutral","sentiment_score":0.13375750184059143}],"sentiment":"neutral","sentiment_score":0.13375750184059143,"channel":1,"num_words":1,"start":1500.8601,"end":1501.3601},{"sentences":[{"text":"then we'll get you booked in to go through the updated investments you may after","start":1500.915,"end":1505.0951,"sentiment":"neutral","sentiment_score":0.1966909925142924}],"sentiment":"neutral","sentiment_score":0.1966909925142924,"channel":0,"num_words":15,"start":1500.915,"end":1505.0951},{"sentences":[{"text":"Alright.","start":1505.42,"end":1505.9,"sentiment":"neutral","sentiment_score":0.32708585262298584},{"text":"Sounds good.","start":1505.9,"end":1506.7201,"sentiment":"positive","sentiment_score":0.7087047100067139}],"sentiment":"positive","sentiment_score":0.5814984242121378,"channel":1,"num_words":3,"start":1505.42,"end":1506.7201},{"sentences":[{"text":"that.","start":1507.875,"end":1508.1151,"sentiment":"positive","sentiment_score":0.5899252891540527},{"text":"Perfect.","start":1508.1151,"end":1508.5951,"sentiment":"positive","sentiment_score":0.7637511491775513},{"text":"Any questions for me before I let you go?","start":1508.5951,"end":1510.6151,"sentiment":"neutral","sentiment_score":0.2456154301762581}],"sentiment":"neutral","sentiment_score":0.32401957362890244,"channel":0,"num_words":11,"start":1507.875,"end":1510.6151},{"sentences":[{"text":"No.","start":1510.7001,"end":1510.9401,"sentiment":"neutral","sentiment_score":-0.06657961755990982},{"text":"I'm I'm all good.","start":1510.9401,"end":1511.8201,"sentiment":"neutral","sentiment_score":0.26848441921174526},{"text":"Thank you.","start":1511.8201,"end":1512.555,"sentiment":"positive","sentiment_score":0.7072096765041351}],"sentiment":"positive","sentiment_score":0.34596820175647736,"channel":1,"num_words":7,"start":1510.7001,"end":1512.555},{"sentences":[{"text":"Awesome.","start":1514.2001,"end":1514.6001,"sentiment":"positive","sentiment_score":0.7692524194717407},{"text":"Thank you so much again for calling back in, and","start":1514.6001,"end":1517.16,"sentiment":"positive","sentiment_score":0.7605969727039337}],"sentiment":"positive","sentiment_score":0.7613838315010071,"channel":0,"num_words":11,"start":1514.2001,"end":1517.16},{"sentences":[{"text":"That's","start":1516.9551,"end":1517.1951,"sentiment":"positive","sentiment_score":0.5208215713500977}],"sentiment":"positive","sentiment_score":0.5208215713500977,"channel":1,"num_words":1,"start":1516.9551,"end":1517.1951},{"sentences":[{"text":"I'll","start":1517.16,"end":1517.4,"sentiment":"positive","sentiment_score":0.5469745993614197}],"sentiment":"positive","sentiment_score":0.5469745993614197,"channel":0,"num_words":1,"start":1517.16,"end":1517.4},{"sentences":[{"text":"it.","start":1517.1951,"end":1517.6951,"sentiment":"positive","sentiment_score":0.4577556252479553}],"sentiment":"positive","sentiment_score":0.4577556252479553,"channel":1,"num_words":1,"start":1517.1951,"end":1517.6951},{"sentences":[{"text":"talk to you in a few weeks.","start":1517.4,"end":1518.6201,"sentiment":"positive","sentiment_score":0.38268122928483145}],"sentiment":"positive","sentiment_score":0.38268122928483145,"channel":0,"num_words":7,"start":1517.4,"end":1518.6201},{"sentences":[{"text":"Okay.","start":1518.795,"end":1519.275,"sentiment":"neutral","sentiment_score":0.3115558624267578},{"text":"Cool.","start":1519.275,"end":1519.675,"sentiment":"positive","sentiment_score":0.49728700518608093},{"text":"No worries.","start":1519.675,"end":1520.0751,"sentiment":"positive","sentiment_score":0.33678679168224335},{"text":"Thanks, Tommy.","start":1520.0751,"end":1520.895,"sentiment":"positive","sentiment_score":0.6413439810276031}],"sentiment":"positive","sentiment_score":0.46085073550542194,"channel":1,"num_words":6,"start":1518.795,"end":1520.895},{"sentences":[{"text":"Thanks, Joe.","start":1522.52,"end":1523.16,"sentiment":"positive","sentiment_score":0.6997079253196716},{"text":"See you later.","start":1523.16,"end":1523.9801,"sentiment":"positive","sentiment_score":0.5687289237976074}],"sentiment":"positive","sentiment_score":0.6211205244064331,"channel":0,"num_words":5,"start":1522.52,"end":1523.9801},{"sentences":[{"text":"Bye bye.","start":1524.395,"end":1525.055,"sentiment":"neutral","sentiment_score":0.06645340844988823}],"sentiment":"neutral","sentiment_score":0.06645340844988823,"channel":1,"num_words":2,"start":1524.395,"end":1525.055}]},"summary":{"result":"success","short":" Tommy is looking for a house deposit, property, and cash flow priority to retire at age 65. He also wants to update his retirement goals and retirement from a previous job where he worked as a project admin. The speakers discuss retirement plans, assets, liabilities, insurance coverage, and the importance of cutting premiums to get the right insurance policy. They also discuss the process for insurance coverage, premiums, and the risk profile of the company's stock portfolio. The agent provides instructions on accessing a certificate of currency for income protection and offers a follow-up call to follow up on Tommy's job hunting."},"intents":{"segments":[{"text":"I have got Joanna Hello? on I've got Joanna on the phone. Are you able to take her Yeah.","start_word":28,"end_word":46,"intents":[{"intent":"Check joanna's availability","confidence_score":0.008835403}]},{"text":"I'm just gonna merge the calls. I won't do a soft handover.","start_word":57,"end_word":68,"intents":[{"intent":"Merge calls","confidence_score":0.0005553056}]},{"text":"So in terms of... Or start with goals to begin with, we had you kind of wanting to retire around about age 65 on about 1200 a week. We do have a few goals noted down to just obviously kind of build up a bit of a house deposit, purchase property, that kind of thing, being your your sort of main cash flow priority. Does that sound about right? Yeah.","start_word":322,"end_word":391,"intents":[{"intent":"Set goals","confidence_score":0.015259461}]},{"text":"I talk to Australians every single day, and I think 90% of my calls is just how difficult it is at the moment. So I I can leave that on there as a bit of a five year goal for yourself, and I can always just keep an eye on that together. Yes.","start_word":445,"end_word":497,"intents":[{"intent":"Maintain communication","confidence_score":0.006746441}]},{"text":"Now in terms of the occupation side of things, now please forgive me. We do have a new system, and I'm just merging everything across. Yep.","start_word":501,"end_word":526,"intents":[{"intent":"Merge information","confidence_score":0.13172776}]},{"text":"Do you know what the annual income is sitting out of the month?","start_word":557,"end_word":569,"intents":[{"intent":"Provide income information","confidence_score":0.002003938}]},{"text":"And you feel like you're able... I mean, you just said it was pretty hard, but are you able to set aside any savings at the moment per week that you're aiming for or not so much at the moment?","start_word":683,"end_word":722,"intents":[{"intent":"Set aside savings","confidence_score":0.07812443}]},{"text":"In terms of assets and liabilities, we've got the motor vehicle there.","start_word":765,"end_word":776,"intents":[{"intent":"Discuss assets and liabilities","confidence_score":0.3479312}]},{"text":"Like, a a will and a power of attorney? Oh, yeah.","start_word":840,"end_word":850,"intents":[{"intent":"Discuss will and power of attorney","confidence_score":0.50010234}]},{"text":"You talked about the beneficiary That's my... nominations for Yeah. the super.","start_word":902,"end_word":913,"intents":[{"intent":"Explain beneficiary options","confidence_score":0.0000065629324}]},{"text":"So that's as far as One I've gotten. I didn't actually put anything on paper. thing I was gonna double check with you too is for the life insurance. I wasn't able to see it today with Zurich whether your nephew is listed on there. But if he's not... Like, life insurance go to anybody.","start_word":929,"end_word":983,"intents":[{"intent":"Clarify trust in insurance coverage","confidence_score":0.00044610535}]},{"text":"Hopefully, aiming for a little bit more. Absolutely. Heaps more. I'm hoping, but, yeah, I've gotta call them back. I'm gonna call them tomorrow and find out a bit more about it.","start_word":1642,"end_word":1673,"intents":[{"intent":"Get more information","confidence_score":0.0024467427}]},{"text":"Also, do you want me to kind of leave this one as is for now? And then if you do get that other job, we'll just kind of reassess the Yeah.","start_word":1674,"end_word":1704,"intents":[{"intent":"Stay in the current position","confidence_score":0.000006595986}]},{"text":"What I might do too is we'll get the team to kind of give you a buzz in a couple of weeks just to see Okay. how that went.","start_word":1726,"end_word":1754,"intents":[{"intent":"Get the team to give a buzz","confidence_score":0.0001174717}]},{"text":"Premiums, $215.07 per year, 15% rebate drops down under $2, so that's pretty good.","start_word":1757,"end_word":1770,"intents":[{"intent":"Assist with premiums","confidence_score":0.00008722609}]},{"text":"I do need to keep an eye on premiums because the insurance would increase every year. I don't Yes.","start_word":1771,"end_word":1789,"intents":[{"intent":"Check insurance coverage","confidence_score":0.34326425}]},{"text":"One thing I will double check with you is I believe you might have, like, a smoker's rates applied to the policy. I'm just wondering if you might be twelve months cigarette free or anything like that.","start_word":1798,"end_word":1834,"intents":[{"intent":"Check policy rates","confidence_score":0.030589988}]},{"text":"And I'm I'm still smoking, and I probably won't plan on not smoking depending on what happens with the pricing if it goes up anymore. That's okay.","start_word":1864,"end_word":1890,"intents":[{"intent":"Plan to quit smoking","confidence_score":0.09139687}]},{"text":"Now when I look at the portfolio, what I basically gotta do is say, okay. If you're in a growth portfolio, we we kind of want the super growing at about 9% of the year as a bit of a benchmark. Does that make sense? Yeah.","start_word":2304,"end_word":2349,"intents":[{"intent":"Discuss portfolio growth","confidence_score":0.06991731},{"intent":"Discuss portfolio growth","confidence_score":0.12279217}]},{"text":"So some years it goes up 15. Some years it goes down 8%, that kind of thing. You've still cleared 9.2% after fees since you've been on board. It's had a bit of an up and down. I don't know if you... Do you log in to to look at your super every now and then?","start_word":2350,"end_word":2405,"intents":[{"intent":"Ask about super usage","confidence_score":0.000042456555}]},{"text":"Now it's only up a few percent because of those market drops.","start_word":2481,"end_word":2492,"intents":[{"intent":"Report market decline","confidence_score":0.0010999233}]},{"text":"there's a couple of little points that I would like to address. Okay.","start_word":2507,"end_word":2519,"intents":[{"intent":"Address points and portfolio","confidence_score":2.7323017e-7}]},{"text":"Would you be comfortable for me to kind of try and find some lower fee investments as as well, maybe go for a slightly different style? Yeah.","start_word":2703,"end_word":2729,"intents":[{"intent":"Explore options for lower fee investments","confidence_score":0.0049425736},{"intent":"Explore lower fees options","confidence_score":0.005639635}]},{"text":"That should at least, while the world's on fire, at least maybe drop the fees a little bit and hopefully Yep. bump up the returns a little bit until things calm down. Alright.","start_word":2799,"end_word":2831,"intents":[{"intent":"Discuss impact of economic factors on return","confidence_score":5.810381e-7}]},{"text":"The last thing I'll ask you is when it comes to that risk profile I mentioned being broke, realistically, because you've got fifteen years into retirement, you've got the option either stay as you are and get as much growth as you can for, let's say, the next eight or nine years. Mhmm.","start_word":2853,"end_word":2905,"intents":[{"intent":"Discuss risk profile and decision-making","confidence_score":0.00081740454}]},{"text":"Now just for the rest of those documents that are in there, if you skip past to the next document, you'll see a big red Vanguard chart. So next document.","start_word":2986,"end_word":3015,"intents":[{"intent":"Guide documents","confidence_score":0.12851812}]},{"text":"One to two pages, You'll see ongoing service fee with the individual clients in couple with a couple little pages in the middle. Oh, yeah.","start_word":3467,"end_word":3491,"intents":[{"intent":"Confirm details","confidence_score":0.0009031764}]},{"text":"But these are pretty much the last document. So if you are comfortable with the services, just have a pop on a signature at the bottom of that document, and then the last one will just be a tax file number opt in form. Okay.","start_word":3678,"end_word":3722,"intents":[{"intent":"Sign document","confidence_score":0.2194373}]},{"text":"So this is pretty much whether you're consenting for us to still hold the tax file number. It's a very important number. Just need to make sure that you're still okay for us to hold on You were holding on to it beforehand?","start_word":3829,"end_word":3871,"intents":[{"intent":"Confirm consent","confidence_score":0.1799259}]},{"text":"Just click validate on the...... One.","start_word":3896,"end_word":3901,"intents":[{"intent":"Validate document","confidence_score":0.0040231803}]},{"text":"So, basically, from here, I will get the team to double check those insurance beneficiaries for you. Yep.","start_word":3950,"end_word":3967,"intents":[{"intent":"Double check insurance beneficiaries","confidence_score":0.713852}]}]},"sentiments":{"segments":[{"text":"Hello? Hello, Tommy? Can you hear me? Hello? Okay. Hello. This is Tommy speaking. Oh, Tommy. I I was just talking. I couldn't hear you. It's Michelle, obviously. I have got Joanna Hello? on I've got Joanna on the phone. Are you able to take her Yeah. Absolutely. Pop her through when you're ready, man. call? Okay. I'm just gonna merge the calls. I won't do a soft handover. The next voice you'll hear will be... Well, it'll be you talking to her. Okay. Here you go.","start_word":0,"end_word":86,"sentiment":"neutral","sentiment_score":-0.004765360150486231},{"text":"Thank you. Good evening, Joe.","start_word":87,"end_word":91,"sentiment":"positive","sentiment_score":0.3722582459449768},{"text":"It's Tommy here. How are you doing? I'm alright. How are you?","start_word":92,"end_word":103,"sentiment":"neutral","sentiment_score":0.2344311773777008},{"text":"I'm doing fantastic. Thank you so much for calling me back in. That's alright. Perfect.","start_word":104,"end_word":118,"sentiment":"positive","sentiment_score":0.613243579864502},{"text":"We have each other now. I've got I've got a bit of an annual view packet sent through to you on your email. Just wondering if you'll have to look on that with me today, or should I just kind of walk you through what I'm sending? Yeah. You can do both if you want. Did you say you're sending it or you've sent it? Just sending it now. It usually takes a minute or so. It's got a bit of a few attachments there. But Yeah. I'm just sending it through to the the Hotmail that we have on file. Yep. Yep.","start_word":119,"end_word":221,"sentiment":"neutral","sentiment_score":0.07400401681661606},{"text":"That's good. Perfect.","start_word":222,"end_word":224,"sentiment":"positive","sentiment_score":0.3649386167526245},{"text":"Before I jump into it, is there anything in particular that you were hoping to get out of this review? No. No. Just the normal stuff, I guess. Just nothing's really changed. Yeah. Just a bit of a general update, that kind of thing. Yeah. Yeah. Awesome. So while that's coming through here, what I might do if you do have a pen is I might just update a few details that we've got on file, and then I can kind of jump into that pack with you. How's that then? Yep. Yeah. That... That's good.","start_word":225,"end_word":320,"sentiment":"neutral","sentiment_score":0.05905564874410629},{"text":"Perfect.","start_word":321,"end_word":321,"sentiment":"positive","sentiment_score":0.699042797088623},{"text":"So in terms of... Or start with goals to begin with, we had you kind of wanting to retire around about age 65 on about 1200 a week. We do have a few goals noted down to just obviously kind of build up a bit of a house deposit, purchase property, that kind of thing, being your your sort of main cash flow priority. Does that sound about right? Yeah. That... Yeah. That... Yeah. Cool. Have you managed any headway on that at the moment? I know the world's gone crazy and the cost of living through the roof, but have No. you come with No. the deposit? No. I haven't, actually.","start_word":322,"end_word":433,"sentiment":"neutral","sentiment_score":0.06282379478216171},{"text":"It's it's hard.","start_word":434,"end_word":436,"sentiment":"negative","sentiment_score":-0.37952977418899536},{"text":"That's totally so. It is. It Yeah. is. I talk to Australians every single day, and I think 90% of my calls is just how difficult it is at the moment. So I I can leave that on there as a bit of a five year goal for yourself, and I can always just keep an eye on that together. Yes. Alright.","start_word":437,"end_word":498,"sentiment":"neutral","sentiment_score":0.05362430214881897},{"text":"Cool. Perfect.","start_word":499,"end_word":500,"sentiment":"positive","sentiment_score":0.4700725078582764},{"text":"Now in terms of the occupation side of things, now please forgive me. We do have a new system, and I'm just merging everything across. Yep. I have the employer listed down as exact cleaning and maintenance. Is that right? Yeah. That's... Yep. That's correct. Cool. And we did go through end of financial year recently. Do you know what the annual income is sitting out of the month? My annual income with Exactors? Yeah. I think we had you close to around the 80,000 miles. Is it close to that still? No. Not with the Exact. It will... It's 68. 68. I'll add that in. 68,000. And I'm assuming you're not doing a similar role as you were with Rexha. Is it still, like, project admin, or is it a bit different? Yeah. Because Rexel, that was a project project's job where Exact Cleaning is more sales support and front desk Yep. administration That'll support the front desk, and that's all just kind of office space, working from home over work. the phone. Yeah. All office based. All office space.","start_word":501,"end_word":681,"sentiment":"neutral","sentiment_score":0.042076788276680925},{"text":"Perfect.","start_word":682,"end_word":682,"sentiment":"positive","sentiment_score":0.7513100504875183},{"text":"And you feel like you're able... I mean, you just said it was pretty hard, but are you able to set aside any savings at the moment per week that you're aiming for or not so much at the moment? I have... I'm real... Not really. Okay. I'll leave that. So, basically, I'm not gonna recommend any salary sacrifice to super or anything like that. If If you don't have the cash flow, we can come back to that later. Yeah. Cool. In terms of assets and liabilities, we've got the motor vehicle there. Any other kind of... Any loans or or assets floating around, any cash or shares or anything? Nah. No. I'm just doing... I just No. own my car. Perfect. That's out right. And I know that you were having a bit of, like, a like, a will on your to do list. Did you put one of those in place? Which what? Sorry. Like, a a will and a power of attorney? Oh, yeah. I did look into that, but I haven't actually done anything because I think I couldn't put my nephew as a, like... Yeah. For him to have my stuff or whatever because he's my nephew, not... Has to be a partner or something like that or a parent. Oh, yeah. Yeah. You talked about the beneficiary That's my... nominations for Yeah. the super. Yeah. Has to be like a financial dependent or something like that. Yeah. Yes. Cool. So that's as far as One I've gotten. I didn't actually put anything on paper. thing I was gonna double check with you too is for the life insurance. I wasn't able to see it today with Zurich whether your nephew is listed on there. But if he's not... Like, life insurance go to anybody. Do you want do you want him listed for at least a 100,000 Yeah. of the Yeah. life insurance? Or... Yeah. Yeah.","start_word":683,"end_word":1005,"sentiment":"neutral","sentiment_score":-0.019841942342211587},{"text":"That'll be that'll be good. Alrighty.","start_word":1006,"end_word":1011,"sentiment":"positive","sentiment_score":0.4876351654529571},{"text":"I will have a little look at that. What I'll do is I'll get the team to kind of give Zurich a call when their office reopens tomorrow. And Yeah. if that's not on there, we'll get the form sent out to you to the life insurance. Yeah. Alright.","start_word":1012,"end_word":1060,"sentiment":"neutral","sentiment_score":0.14406472444534302},{"text":"Cool. Perfect.","start_word":1061,"end_word":1062,"sentiment":"positive","sentiment_score":0.4933459162712097},{"text":"Yeah. Outside I don't know of that, so the two if... Yeah. Mate... Yeah. Maybe do check that because I don't know about if we did do that or we're gonna do that last time. yeah. Cool. I'll I'll have a look and I'll let you know. The super still still got him on there at the moment, but if there's no one else to to nominate, I'll then have to touch it. Cool. Yep.","start_word":1063,"end_word":1137,"sentiment":"neutral","sentiment_score":0.030993491411209103},{"text":"Cool.","start_word":1138,"end_word":1138,"sentiment":"positive","sentiment_score":0.3571234941482544},{"text":"I'll just quickly touch base on the insurance for a minute, and then we'll jump into the super there. Yeah. The the pack that I've sent you out, just to let you know what's kind of there, we've got a bit of a summary for the super insurances, your performance, the certificates of currency from Zurich for the life insurance, the disability, the income protection, a few service guides and consent forms from us, and a bit of a tax file number opt in form as well. Are you able to look onto that email with me at the moment, or how are you going to the What do I click on? Because the other... There's no attachment to the one that you sent me. tech side? Yeah. That's right. So with the Odoo system, if you actually click the sign button, it brings open all documents to scroll through. Oh, okay. It Yep. doesn't actually sign anything until the end. Cool. I've just pressed on it now. So it may take a second to load, but you should see our letterhead at the top of the first one for the super and insurance summary. Oh, yeah. Yep. I've got the summary of superannuation insurance, the twenty eighth, the twenty sixth, hub, and direct. That's the one. So Yep. with Zurich, you've got a 110,000 of life and disability insurance. Yeah. That's your your lump sum if you can never work again or you pass away. They're kind of linked together. And you wanted me to do any kind of changes or quotes for those amounts this year? No. That that should be alright.","start_word":1139,"end_word":1412,"sentiment":"neutral","sentiment_score":0.12212617809537551},{"text":"Cool.","start_word":1413,"end_word":1413,"sentiment":"positive","sentiment_score":0.4276495575904846},{"text":"When it comes to the income protection, so I do a little bit of a a calculation work back. Now just bear in mind, they cover you for 70% of your income, and they're technically insuring you for an income of 72,000. You mentioned 68,000, so it's pretty Yep. close, but you're technically a tiny bit over insured with your current income. Oh, okay. Now it's one of the things where you can trim it down a little bit to try and get the premiums down. Probably wouldn't do too much, but does that sort of over insurance make sense? So... Yeah. I think so. If I Yeah. go 68070% in monthly... So, realistically, let's say you went on claim now and you said, Yeah. oh, here's my tax return. I'm on 68,000. Yep. They would pay you 4,000 a month instead of 4,200 a month because that's your your income on paper. Oh, okay. Yeah. Yeah. I get it. K? It's a thirty day waiting period. So if you're out of work for more than a month, so, you know, illness or injury, it'll kick in monthly for up to two years. Okay. Yep. Now are you expecting any kind of job changes or pay rises the next couple of years? Funny you say that. I didn't get it off a a job offer yesterday. Yeah. Right. Hopefully, aiming for a little bit more.","start_word":1414,"end_word":1648,"sentiment":"neutral","sentiment_score":0.00001662497450795738},{"text":"Absolutely.","start_word":1649,"end_word":1649,"sentiment":"positive","sentiment_score":0.3951289057731629},{"text":"Heaps more. I'm hoping, but, yeah, I've gotta call them back. I'm gonna call them tomorrow and find out a bit more about it. Also, do you want me to kind of leave this one as is for now? And then if you do get that other job, we'll just kind of reassess the Yeah. Maybe that'll be easier because, yeah, it's not not set in stone yet. the amount. Oh, okay. Yeah. We'll do that. What I might do too is we'll get the team to kind of give you a buzz in a couple of weeks just to see Okay. how that went. Yep.","start_word":1650,"end_word":1755,"sentiment":"neutral","sentiment_score":0.06496987491846085},{"text":"Cool. Premiums, $215.07 per year, 15% rebate drops down under $2, so that's pretty good.","start_word":1756,"end_word":1770,"sentiment":"positive","sentiment_score":0.4820291996002197},{"text":"I do need to keep an eye on premiums because the insurance would increase every year. I don't Yes. want you to be going backwards from. Yeah. One thing I will double check with you is I believe you might have, like, a smoker's rates applied to the policy. I'm just wondering if you might be twelve months cigarette free or anything like that. For smoke... Like, if I'm gonna give up smoking? Yeah. If we or if we already have since the last review or anything like that. I'm sorry. But... No. And I'm I'm still smoking, and I probably won't plan on not smoking depending on what happens with the pricing if it goes up anymore. That's okay. It's one of those fun things where, yeah, the excise tax makes everything get more expensive, and then they up your insurances too. So it's a little bit of a vicious cycle there. Yeah. But, again, I'll pencil in for a bit of a a quick check on the the occupation in a couple of weeks. So Yes. I'll leave those alone for now. You don't have any trauma insurance as well.","start_word":1771,"end_word":1962,"sentiment":"neutral","sentiment_score":-0.1309471381828189},{"text":"That's the last one for heart attack, stroke, and cancer, but that's more like a... You have to pay for that one out of pocket.","start_word":1963,"end_word":1987,"sentiment":"negative","sentiment_score":-0.35134974122047424},{"text":"Okay. Yep. Cool. Now swinging over to the super there, if you go to the next next document, you should see that big blue table for the hub 20 four report. Oh, yep. Enlarge it a bit. Now I'm not sure if you're on computer or phone. I'm just wondering if you can make out any of the figures in that table or the words. Is it clear? Can you see it? I'm on my phone, so I'm just trying to enlarge our performance with IRA, is it? Yep. That's the one. Now what I wanna kind of point out here on this one is I don't know if you're able to see all of the names of the funds on the left hand column where it's got, like, a Benelon and a BetaShares and a Global X Gold and all this kind of thing all down that left hand side. Yes. Now that's all of the options inside the server. There's a good sort of seven, eight of them. Some of them are for shares, some for gold, some for safe things like term deposits. What I really... I guess the way I'd explain it is if you put all of them together, it makes a bit of a pie chart for the different assets that you're invested in. Okay. Now you're in what's called a a growth portfolio. So, technically speaking, four out of five on the risk scale. You're a little bit above medium in terms of risk and return. You're not high risk. So Yes.","start_word":1988,"end_word":2246,"sentiment":"neutral","sentiment_score":0.06681659817695618},{"text":"what that does, we're basically putting 80% of your money into growth assets, which is like shares company goal, 20% in the safest side of things, if that makes sense.","start_word":2247,"end_word":2276,"sentiment":"positive","sentiment_score":0.34811779856681824},{"text":"Yes.","start_word":2277,"end_word":2277,"sentiment":"neutral","sentiment_score":0.29536497592926025},{"text":"Cool.","start_word":2278,"end_word":2278,"sentiment":"positive","sentiment_score":0.3853924870491028},{"text":"Now what I can kind of see here is the very right hand column, it gives you percentage returns for all those options. Oh, yeah. Now when I look at the portfolio, what I basically gotta do is say, okay. If you're in a growth portfolio, we we kind of want the super growing at about 9% of the year as a bit of a benchmark. Does that make sense? Yeah. So some years it goes up 15. Some years it goes down 8%, that kind of thing. You've still cleared 9.2% after fees since you've been on board. It's had a bit of an up and down. I don't know if you... Do you log in to to look at your super every now and then? I haven't lately, actually, but I I was previously. So what's basically been happening is January to March, we had the war on Iran kickoff, and it stopped us. It went down, then it went back up again, and then it's come down again last month. Basically, your super went from 213,000 down to $20.02 and then back Yes. up to $2.27.","start_word":2279,"end_word":2467,"sentiment":"neutral","sentiment_score":0.014366913586854936},{"text":"So it's kind of bounced back up into the positive this year.","start_word":2468,"end_word":2479,"sentiment":"positive","sentiment_score":0.4476243555545807},{"text":"Yeah. Now it's only up a few percent because of those market drops. Like I said, still going good since you've become a client about, but Yeah. there's a couple of little points that I would like to address. Okay. The very top option and the very bottom option. I don't know if you can make out those percentages, but they've got brackets around. Yeah. The... Oh, very top of... Oh, yeah. Very top. The 17... What is it? Four nine. Yes. Yes. That's the one. So Point two that six. option at the top, that dropped 17%, and the property at the bottom dropped 15. Everything else in the middle looks pretty well positive or double digit. Yep. What that basically means is when the government came out with that capital gains tax negative gearing law, the property options dropped, and the Australian market's also been dropping for the rate rises and and fuel prices as well. Yep. So what I can do is while you're going through the the the job application, I can do a bit of a research on a couple of options to maybe switch out to those. We don't maybe have to overhaul everything. It could just be a bit of an engine tune up on just a couple of options. Yep. Whatever you think. Yeah.","start_word":2480,"end_word":2701,"sentiment":"neutral","sentiment_score":0.01801860095882738},{"text":"Cool.","start_word":2702,"end_word":2702,"sentiment":"positive","sentiment_score":0.4324074983596802},{"text":"Would you be comfortable for me to kind of try and find some lower fee investments as as well, maybe go for a slightly different style? Yeah. What... Yeah. Whatever gives me the best outcome. Yeah. Absolutely. So what I'll do is we'll give you a call in a couple of weeks for the the other job plan. That'll give me an indication for the income protection. In Yes. the interim, I'll get the team to to look at a couple of options to mix in. We've got a couple we have been researching as well. That should at least, while the world's on fire, at least maybe drop the fees a little bit and hopefully Yep. bump up the returns a little bit until things calm down. Alright. Cool. Does all that make sense so far? Any questions at the moment? As much as I understand it. Yeah. Cool. The last thing I'll ask you is when it comes to that risk profile I mentioned being broke, realistically, because you've got fifteen years into retirement, you've got the option either stay as you are and get as much growth as you can for, let's say, the next eight or nine years. Mhmm. When you're close to retirement, we can reduce the risk down so you don't lose it all when you've been in 64. Yes. Or you could kick it up into high growth if you really wanna try and increase the return, but that has increased the risk.","start_word":2703,"end_word":2952,"sentiment":"neutral","sentiment_score":0.07015613466501236},{"text":"No. I'm happy to stay where I am.","start_word":2953,"end_word":2960,"sentiment":"negative","sentiment_score":-0.37884247303009033},{"text":"Cool.","start_word":2961,"end_word":2961,"sentiment":"neutral","sentiment_score":0.24154797196388245},{"text":"We'll keep it as the growth profile, give it an engine sure enough, and we should be good for a while. Alright. Cool. Awesome.","start_word":2962,"end_word":2985,"sentiment":"positive","sentiment_score":0.5460799932479858},{"text":"Now just for the rest of those documents that are in there, if you skip past to the next document, you'll see a big red Vanguard chart. So next document. Oh, yep. Yeah. You may have seen this one a few times, but it basically just shows that if you factor in all of the stock market crashes and financial Yes. crises that happen, you can still get good returns long term as long as you've got enough time in the market. The next document there is your certificate of currency for the income protection. Yes. So that's just a validity certificate. If anything happens, we can help you with the claim and claims advice as well. If you click on the next one, that is your life and disability. I've got the certificate of currency, and then you said next document. Oh, is that the the blue one? I view service guide one? Yeah. Yeah. Yep. The... That's the next one. Yeah. Now this one's got a few pages in it, but I just want you to... If you can scroll down. I don't know if you can skip pages or scroll down for us. You'll see basically, like, our our values and pictures of the team and directors. But when you get to about the thirteenth page, there'll be another blue document saying financial services guide about halfway down. I reckon I can... I'll just... I've just zoomed in to see the page numbers. So 13, did you say? Yeah. About 13 on the software. It'll be kind of the fourteenth on the document. And you'll see, like, at the end, there's a big team photo, and then it'll go back to another blue document that that you picture straight after it. Cool. Now if you could just go down... Yep. Does it say financial services guide on it rather than overview services? Paying charges. I've gone too far, paying charges? Individual clients? No.","start_word":2986,"end_word":3311,"sentiment":"neutral","sentiment_score":0.05521077662706375},{"text":"That's perfect.","start_word":3312,"end_word":3313,"sentiment":"positive","sentiment_score":0.8204742670059204},{"text":"So if you go one more page, you'll see a couple of tables there, And you should see individually coupled with some little tables of, like, a fee structure. It was the one after fees and charges I just before hit the financial the associate. advice. I reckon that you've talked to before. Oh, yes. Oh, well, Cool. let me get it. What what... Oh, so that's the last page, the financial advice. I'm on the last page. And the last page... Let me just have a quick look. Alright. That one. Oh, sorry. My computer's lagging now. The... Yeah. It says financial advice for everyday Australians on the last page, but that one says financial services guide. What is that? Oh, about... Oh, it's been a challenge. Is that what you just said? It'd be... Oh, yes. So go backwards. I do apologize, sir. If you go back Yep. one to... Yeah. One to two pages, You'll see ongoing service fee with the individual clients in couple with a couple little pages in the middle. Oh, yeah. Yeah. Yeah. It's individual client ongoing, and then it's got the There couple. we go. Yeah. So what I wanted to let you know here is that OPU has updated its fee structure as a business. So previously, you were paying that 1.65% spread throughout the year, but we've Mhmm. added in some tier three discount. So, basically, everybody above $200,000 will start to get some discounted percentages, and then further discounts if you get 500,000 and million. So what I've done is I've added in a service agreement and consent form for you if you're happy to receive that that discount and remain the client for that. Yep.","start_word":3314,"end_word":3600,"sentiment":"neutral","sentiment_score":0.04110729321837425},{"text":"Yes. Perfect.","start_word":3601,"end_word":3602,"sentiment":"positive","sentiment_score":0.4284425377845764},{"text":"What it will do too is it'll kind of just do a bit of a flat fee so it doesn't follow your balance up as well, and that'll Yep. save you a bit more. Is there a next document button there as well? Yep. Yep.","start_word":3603,"end_word":3647,"sentiment":"neutral","sentiment_score":0.18649862888786528},{"text":"Brings Cool.","start_word":3648,"end_word":3649,"sentiment":"positive","sentiment_score":0.392450213432312},{"text":"me So you should on. go to the Yeah. Consent, and I'm going free... Not free. Free arrangement. consent. Not free yet. Not until we retire. Free. Free. But these are pretty much the last document. So if you are comfortable with the services, just have a pop on a signature at the bottom of that document, and then the last one will just be a tax file number opt in form. Okay. And it says sign the lawyer. Wherever I will find it. Signatures here. So I can just click on that and add my. Yeah. Let's Hopefully, go.","start_word":3650,"end_word":3749,"sentiment":"neutral","sentiment_score":0.0873882994055748},{"text":"it's pretty user friendly.","start_word":3750,"end_word":3753,"sentiment":"positive","sentiment_score":0.5031992793083191},{"text":"It should just be a bit of a click and a stamp. So once I've signed it... Oh, what's the date? Yep. That's the right date. Date of birth. Oh, is it my date of... No. It's the... Oh, no. The date's gone on there. So it's just signing it and date. Yeah. Today's date. Yep. Yeah. That's And then it. once you go to the next document, it'll take you to the last one. So this is pretty much whether you're consenting for us to still hold the tax file number. It's a very important number. Just need to make sure that you're still okay for us to hold on You were holding on to it beforehand? to it. Yeah. It's what we use to open up the accounts and insurances Yeah. and super Yes. funds and all that stuff. Cool. Just click validate on the...... One. Yep. That'll come back through to us. You'll get a signed copy as well. Yep. If you ever need one, you can let us know, but it does give you options to download it, and that has come back signed.","start_word":3754,"end_word":3941,"sentiment":"neutral","sentiment_score":0.0955558493733406},{"text":"Thank you very much for that, Joe. Alright.","start_word":3942,"end_word":3949,"sentiment":"positive","sentiment_score":0.6154479384422302},{"text":"So, basically, from here, I will get the team to double check those insurance beneficiaries for you. Yep. We'll give you a buzz in a couple of weeks to follow-up on how the job hunting went, and Yep. then we'll get you booked in to go through the updated investments you may after Alright.","start_word":3950,"end_word":4003,"sentiment":"neutral","sentiment_score":0.2074885666370392},{"text":"Sounds good. that. Perfect.","start_word":4004,"end_word":4007,"sentiment":"positive","sentiment_score":0.6827825903892517},{"text":"Any questions for me before I let you go? No. I'm I'm all good.","start_word":4008,"end_word":4021,"sentiment":"neutral","sentiment_score":0.20929645001888275},{"text":"Thank you. Awesome. Thank you so much again for calling back in, and That's I'll it. talk to you in a few weeks.","start_word":4022,"end_word":4044,"sentiment":"positive","sentiment_score":0.5878023505210876},{"text":"Okay.","start_word":4045,"end_word":4045,"sentiment":"neutral","sentiment_score":0.3115558624267578},{"text":"Cool. No worries. Thanks, Tommy. Thanks, Joe. See you later.","start_word":4046,"end_word":4055,"sentiment":"positive","sentiment_score":0.5735235214233398},{"text":"Bye bye.","start_word":4056,"end_word":4057,"sentiment":"neutral","sentiment_score":0.3101814389228821}],"average":{"sentiment":"neutral","sentiment_score":0.06400502904944959}}}}