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And I figured I would jump on first because I sent you the updated document, and Jack only does things when things get signed. And I figured I would jump on and just talk through the document, make sure that you're all good. So I I updated it all with with our conversation. So we're gonna cancel the income protection in Clearview and and go through and roll over the uni super. So that's all included in that document that was sent through to you. And I just wanted to make sure that you'd got it, had a chance to read it, and then pop you through to Jack, really. But I kind of jumped ahead of things and forgot to tell you that the calls are recorded and just security with you. We're in a mood today. We're just all over the place today, my love. Absolutely. Our call is recorded. And if you call, just for coaching and secure and security, could you could do your full name, date of birth, and address? Address. Perfect. The narrowbanda one is the one we have on file moving forward. That's the one you you can use. Cool. Okay. Did you have a look through the document by any chance? Oh, that's me. I sent it to you again today about some time ago. When did I send it? Oh, 01:00 ish? Because I noticed that it hadn't it hadn't been signed yet. Yes. Yeah. That that's my beautiful power planner. I I made him send it to you. Yeah. Of course. You can open it. Yeah. It has so many pages just for fun. So, realistically, the first few pages just go through the goals that we set out, your personal situation, the assets you currently hold, the insurance you currently hold, risk profile, and then the recommendations are exactly what we talked about last time, updating your hub twenty four fund with a new investment and also rolling over your uni super funds and disclosing that And where those funds will go once that's all consolidated. And then the cancellation of the income protection with Clearview keeping the life and TPD. And then with closing the Uniflooper fund, it'll cancel the the life TPD and income protection policy that's sitting within that fund. And then as we went through last week, nothing's changed to the personal investment account with Hub. So that's gonna be the the IDPS that we set up with Hub, $30,000 going in there. And then we have the generation life life builder bond, which is setting up for you, and that's $10 that we're not gonna touch. The pilot yeah. $10 that goes away for him to build and grow for him. And then we have also the $10 that we're putting together for you. So there's the two Generation Life accounts, both with $10 in them. One is $10 to set aside for you for some retirement tax effectively in the future, help to pay off future mortgage, stuff like that for ten years down the line to give you a bit of a savings account that we can't touch, we can't play with. So it's just gonna 10 grand's going in there. We don't look at it. We don't think about it. Same with the money for our little boy. It goes in there. We set him up for the future. The $30 that we put into the investment account is to help you build the investment so we can get back into the the property market in the nearer future. Yeah. Not we don't need to touch it. Like, the 30 gram, we don't need to touch anytime soon. It's still in the future. The longer it's in there, the better it's gonna go. But we just we can we can touch it. We can do what we need to do if and when we're ready to do it. Means that not for the IDPS and not for the hub twenty four investment account. And there's there's not with the there's realistically not with the $10 in either of the bonds either. It's just that after ten years, it's tax paid, so we don't pay any tax tax on it. So there's no capital gains or anything like that when we fill it out. It's it's literally what is in the account is in the account that's paid to you. So that's why I wanna put $10 in for you. So that way, in ten years' time, when we're back in the property market, we have you know you know, if that's the way we end up still going, of course, things can still go up in the air for change that we have that money tucked aside to help you, and it can also be for your son. Like, if things change, it's additional money that was put aside for him. But right now, with the strategy now, it's put away for you to help pay off some of the mortgage or to help you in ten years' time, and that's also the money for for him. I know. I'm nice like that. No. So, realistically, at this point, we can still go ahead and we can get the applications up and running. Jack just needs to go through a few details. It's nothing too arduous, to be honest. He just needs, like, specific details, spelling of names and the date of birth and specifically for your son, not you, and and bank details and stuff like that to be able to get the money paid over into those accounts. And then he'll just go through and finalize the applications and organize with you the best time to pop the money in, and he'll sort of be done. Nothing too too stressful. That comes out of the the account, the the the super cap. Yes. They're cash payments. Yes. That's across the the whole year. And that's, like, that's including, like, Clearview commissions that that Clearview pay to us as comms. Yeah. It's percentage based, but we I disclose it to you every year as we go through. Absolutely. Investment changes, each of these conversations, make sure that we're still on track. You know, you ad hoc call me and say, oh, I done messed up and I need money. I can get it out to you, everything and anything that your heart desires that I can do within my will power. Bargain on a plane and fly somewhere? I mean, I would probably. Absolutely. Yep. So you so are you sort of looking at the how to implement our advice table? Cool. So there's the complete the investment switch in your hub 24 that's the super account. We're gonna alter your ClearView policy by canceling the income protection. We're gonna roll the funds from UniSuper over into your Hub 24 super account. Then we set up the Hub twenty four. It's a personal investment account, IDPS, and we complete a deposit from your bank account into that account. And then we have the Generation Life adult and the Generation Life child builder bond. And they're they're those steps six and seven are the $210,000 accounts. Correct. Yep. Death TPD. Yeah. So death death and total pump facility will stay. IP goes, and then the entirety of the Uniswap policy goes. And then when you go back to work in twelve, eighteen months, two years, Whatever that time line ends up being, we rewrite the whole policy. We rereview it all and make sure we're all kosher on that front. Yep. Absolutely correct. And the IDPS, while I know they both say Hub 24, when you log in to your Hub 24 account, you'll see two different like, it's like logging into a bank and having two different accounts. One's your super account, can't touch it. One's basically an investment account that you own personally that you can touch. Absolutely. Yes. There should be two signatures if I am correct. Three. Sorry. Three. So one is one for the cancellation letter that I'm gonna send to Clearview. I just figured I'd get ahead of the game and get that sent off so that way we can cancel it. And then there's the statement of advice and the authorization for us to charge your fees on your hub twenty four account. Jack's gonna set up the applications for all three of the brand new accounts. And once they're set up, he'll send the applications to you for you to authorize. But he needs all the bank details and stuff to to get the account set up. Yeah. So if you don't want, if there's anything in the advice document that you didn't want to implement, you can freeform text there. If you're happy with everything, you just just put a dot in. Just put a just, yeah, just a dot so that way it indicates that you've read the document, you're happy to go ahead with all of it. Because sometimes some clients wanna cut out some of the advice or not not implement all of it. Obviously, there's there's a number of strategies in this alone, so sometimes they wanna cut some. Is Rylan at a day care today? Has he been enjoying it? Yeah. He's off. Yeah. I had a couple of kids like that. Yeah. Yeah. Yeah. You do. Nothing like like, a stage five clinger is really nice, but there is a little bit of heartbreak in you when they just kinda toddle off by themselves. I remember first day of school with my youngest. He literally just we walked into school, had his backpack on that was way too big in his uniform that looks way too big, and he just toddled off in. And I didn't get a backwards glance, and I followed him. Got to the classroom, and I was trying to help him. He goes, I don't need help. I was like, oh, okay. Shot through the heart much. Yeah. Yeah. Of course it does. They need you. They're supposed to need you. Amazing. Cool. Now I have that through. Well, I'll start implementing everything on my side, and what I'll do is I will pop you through to Jack, and Jack can grab a couple of details to get those three applications running and get them implemented on that side. Yeah. You shouldn't. And and if you do, we we can always just do, like, $10,000 across sort of five days if there is any issues. Do you know what your bank limit is? No. Okay. Yeah. I'll I'll when I transfer you, I'll let Jack know that so that way he can have a look at time frames on his side. He does all the implementation of, like, applications, so he's a little bit more in tune with how long it takes to get things set up. I don't think it takes too too long for the the for everything, but he'll give you calls and everything, and he can keep on on top of it with you. So that way, you're not gonna miss anything. You're not gonna have anything bounce back. And worst case scenario, if it does, he'll be straight on the phone to you. Cool. I will let him know. Just give me one moment, and I will pop you over to him. That's okay. 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Ainsley. It's Larissa from Oakview Financial. How are you going? You were. And I figured I would jump on first because I sent you the updated document, and Jack only does things when things get signed.\n\nAnd I figured I would jump on and just talk through the document, make sure that you're all good. So I I updated it all with with our conversation. So we're gonna cancel the income protection in Clearview and and go through and roll over the uni super. So that's all included in that document that was sent through to you. And I just wanted to make sure that you'd got it, had a chance to read it, and then pop you through to Jack, really.\n\nBut I kind of jumped ahead of things and forgot to tell you that the calls are recorded and just security with you. We're in a mood today. We're just all over the place today, my love. Absolutely. Our call is recorded.\n\nAnd if you call, just for coaching and secure and security, could you could do your full name, date of birth, and address? Address. Perfect. The narrowbanda one is the one we have on file moving forward. That's the one you you can use.\n\nCool. Okay. Did you have a look through the document by any chance? Oh, that's me. I sent it to you again today about some time ago.\n\nWhen did I send it? Oh, 01:00 ish? Because I noticed that it hadn't it hadn't been signed yet. Yes. Yeah.\n\nThat that's my beautiful power planner. I I made him send it to you. Yeah. Of course. You can open it.\n\nYeah. It has so many pages just for fun. So, realistically, the first few pages just go through the goals that we set out, your personal situation, the assets you currently hold, the insurance you currently hold, risk profile, and then the recommendations are exactly what we talked about last time, updating your hub twenty four fund with a new investment and also rolling over your uni super funds and disclosing that And where those funds will go once that's all consolidated. And then the cancellation of the income protection with Clearview keeping the life and TPD. And then with closing the Uniflooper fund, it'll cancel the the life TPD and income protection policy that's sitting within that fund.\n\nAnd then as we went through last week, nothing's changed to the personal investment account with Hub. So that's gonna be the the IDPS that we set up with Hub, $30,000 going in there. And then we have the generation life life builder bond, which is setting up for you, and that's $10 that we're not gonna touch. The pilot yeah. $10 that goes away for him to build and grow for him.\n\nAnd then we have also the $10 that we're putting together for you. So there's the two Generation Life accounts, both with $10 in them. One is $10 to set aside for you for some retirement tax effectively in the future, help to pay off future mortgage, stuff like that for ten years down the line to give you a bit of a savings account that we can't touch, we can't play with. So it's just gonna 10 grand's going in there. We don't look at it.\n\nWe don't think about it. Same with the money for our little boy. It goes in there. We set him up for the future. The $30 that we put into the investment account is to help you build the investment so we can get back into the the property market in the nearer future.\n\nYeah. Not we don't need to touch it. Like, the 30 gram, we don't need to touch anytime soon. It's still in the future. The longer it's in there, the better it's gonna go.\n\nBut we just we can we can touch it. We can do what we need to do if and when we're ready to do it. Means that not for the IDPS and not for the hub twenty four investment account. And there's there's not with the there's realistically not with the $10 in either of the bonds either. It's just that after ten years, it's tax paid, so we don't pay any tax tax on it.\n\nSo there's no capital gains or anything like that when we fill it out. It's it's literally what is in the account is in the account that's paid to you. So that's why I wanna put $10 in for you. So that way, in ten years' time, when we're back in the property market, we have you know you know, if that's the way we end up still going, of course, things can still go up in the air for change that we have that money tucked aside to help you, and it can also be for your son. Like, if things change, it's additional money that was put aside for him.\n\nBut right now, with the strategy now, it's put away for you to help pay off some of the mortgage or to help you in ten years' time, and that's also the money for for him. I know. I'm nice like that. No. So, realistically, at this point, we can still go ahead and we can get the applications up and running.\n\nJack just needs to go through a few details. It's nothing too arduous, to be honest. He just needs, like, specific details, spelling of names and the date of birth and specifically for your son, not you, and and bank details and stuff like that to be able to get the money paid over into those accounts. And then he'll just go through and finalize the applications and organize with you the best time to pop the money in, and he'll sort of be done. Nothing too too stressful.\n\nThat comes out of the the account, the the the super cap. Yes. They're cash payments. Yes. That's across the the whole year.\n\nAnd that's, like, that's including, like, Clearview commissions that that Clearview pay to us as comms. Yeah. It's percentage based, but we I disclose it to you every year as we go through. Absolutely. Investment changes, each of these conversations, make sure that we're still on track.\n\nYou know, you ad hoc call me and say, oh, I done messed up and I need money. I can get it out to you, everything and anything that your heart desires that I can do within my will power. Bargain on a plane and fly somewhere? I mean, I would probably. Absolutely.\n\nYep. So you so are you sort of looking at the how to implement our advice table? Cool. So there's the complete the investment switch in your hub 24 that's the super account. We're gonna alter your ClearView policy by canceling the income protection.\n\nWe're gonna roll the funds from UniSuper over into your Hub 24 super account. Then we set up the Hub twenty four. It's a personal investment account, IDPS, and we complete a deposit from your bank account into that account. And then we have the Generation Life adult and the Generation Life child builder bond. And they're they're those steps six and seven are the $210,000 accounts.\n\nCorrect. Yep. Death TPD. Yeah. So death death and total pump facility will stay.\n\nIP goes, and then the entirety of the Uniswap policy goes. And then when you go back to work in twelve, eighteen months, two years, Whatever that time line ends up being, we rewrite the whole policy. We rereview it all and make sure we're all kosher on that front. Yep. Absolutely correct.\n\nAnd the IDPS, while I know they both say Hub 24, when you log in to your Hub 24 account, you'll see two different like, it's like logging into a bank and having two different accounts. One's your super account, can't touch it. One's basically an investment account that you own personally that you can touch. Absolutely. Yes.\n\nThere should be two signatures if I am correct. Three. Sorry. Three. So one is one for the cancellation letter that I'm gonna send to Clearview.\n\nI just figured I'd get ahead of the game and get that sent off so that way we can cancel it. And then there's the statement of advice and the authorization for us to charge your fees on your hub twenty four account. Jack's gonna set up the applications for all three of the brand new accounts. And once they're set up, he'll send the applications to you for you to authorize. But he needs all the bank details and stuff to to get the account set up.\n\nYeah. So if you don't want, if there's anything in the advice document that you didn't want to implement, you can freeform text there. If you're happy with everything, you just just put a dot in. Just put a just, yeah, just a dot so that way it indicates that you've read the document, you're happy to go ahead with all of it. Because sometimes some clients wanna cut out some of the advice or not not implement all of it.\n\nObviously, there's there's a number of strategies in this alone, so sometimes they wanna cut some. Is Rylan at a day care today? Has he been enjoying it? Yeah. He's off.\n\nYeah. I had a couple of kids like that. Yeah. Yeah. Yeah.\n\nYou do. Nothing like like, a stage five clinger is really nice, but there is a little bit of heartbreak in you when they just kinda toddle off by themselves. I remember first day of school with my youngest. He literally just we walked into school, had his backpack on that was way too big in his uniform that looks way too big, and he just toddled off in. And I didn't get a backwards glance, and I followed him.\n\nGot to the classroom, and I was trying to help him. He goes, I don't need help. I was like, oh, okay. Shot through the heart much. Yeah.\n\nYeah. Of course it does. They need you. They're supposed to need you. Amazing.\n\nCool. Now I have that through. Well, I'll start implementing everything on my side, and what I'll do is I will pop you through to Jack, and Jack can grab a couple of details to get those three applications running and get them implemented on that side. Yeah. You shouldn't.\n\nAnd and if you do, we we can always just do, like, $10,000 across sort of five days if there is any issues. Do you know what your bank limit is? No. Okay. Yeah.\n\nI'll I'll when I transfer you, I'll let Jack know that so that way he can have a look at time frames on his side. He does all the implementation of, like, applications, so he's a little bit more in tune with how long it takes to get things set up. I don't think it takes too too long for the the for everything, but he'll give you calls and everything, and he can keep on on top of it with you. So that way, you're not gonna miss anything. You're not gonna have anything bounce back.\n\nAnd worst case scenario, if it does, he'll be straight on the phone to you. Cool. I will let him know. Just give me one moment, and I will pop you over to him. That's okay.\n\nOne sec.","paragraphs":[{"sentences":[{"text":"Hi, Ainsley.","start":2.3999999,"end":3.12,"sentiment":"neutral","sentiment_score":0.20635871589183807},{"text":"It's Larissa from Oakview Financial.","start":3.12,"end":4.72,"sentiment":"neutral","sentiment_score":0.20889754593372345},{"text":"How are you going?","start":4.72,"end":5.62,"sentiment":"neutral","sentiment_score":0.2836843654513359},{"text":"You were.","start":8.72,"end":9.36,"sentiment":"neutral","sentiment_score":0.07046264037489891},{"text":"And I figured I would jump on first because I sent you the updated document, and Jack only does things when things get signed.","start":9.36,"end":16.835,"sentiment":"neutral","sentiment_score":0.05675415671430528}],"sentiment":"neutral","sentiment_score":0.1106748017608314,"num_words":37,"start":2.3999999,"end":16.835},{"sentences":[{"text":"And I figured I would jump on and just talk through the document, make sure that you're all good.","start":16.895,"end":25.455,"sentiment":"neutral","sentiment_score":0.2801397631042882},{"text":"So I I updated it all with with our conversation.","start":25.455,"end":29.220001,"sentiment":"neutral","sentiment_score":0.12300946936011314},{"text":"So we're gonna cancel the income protection in Clearview and and go through and roll over the uni super.","start":29.220001,"end":37.46,"sentiment":"neutral","sentiment_score":-0.043173040606473624},{"text":"So that's all included in that document that was sent through to you.","start":37.46,"end":43.505,"sentiment":"neutral","sentiment_score":0.08028660485377678},{"text":"And I just wanted to make sure that you'd got it, had a chance to read it, and then pop you through to Jack, really.","start":43.505,"end":48.645,"sentiment":"neutral","sentiment_score":0.12866237059235572}],"sentiment":"neutral","sentiment_score":0.11619473894148372,"num_words":86,"start":16.895,"end":48.645},{"sentences":[{"text":"But I kind of jumped ahead of things and forgot to tell you that the calls are recorded and just security with you.","start":48.864998,"end":54.61,"sentiment":"neutral","sentiment_score":-0.051422861121270966},{"text":"We're in a mood today.","start":55.030003,"end":56.25,"sentiment":"positive","sentiment_score":0.3417621076107025},{"text":"We're just all over the place today, my love.","start":56.550003,"end":58.57,"sentiment":"positive","sentiment_score":0.3887310226758321},{"text":"Absolutely.","start":66.435005,"end":66.935005,"sentiment":"neutral","sentiment_score":0.10038408637046814},{"text":"Our call is recorded.","start":67.155,"end":67.955,"sentiment":"neutral","sentiment_score":0.06557461991906166}],"sentiment":"neutral","sentiment_score":0.10446063100936867,"num_words":42,"start":48.864998,"end":67.955},{"sentences":[{"text":"And if you call, just for coaching and secure and security, could you could do your full name, date of birth, and address?","start":67.955,"end":73.255005,"sentiment":"neutral","sentiment_score":0.046717283356448876},{"text":"Address.","start":81.880005,"end":82.380005,"sentiment":"neutral","sentiment_score":-0.0001480141654610634},{"text":"Perfect.","start":95.655,"end":96.155,"sentiment":"positive","sentiment_score":0.4940543174743652},{"text":"The narrowbanda one is the one we have on file moving forward.","start":96.215004,"end":99.015,"sentiment":"neutral","sentiment_score":0.19070145239432654},{"text":"That's the one you you can use.","start":99.015,"end":101.275,"sentiment":"neutral","sentiment_score":0.1221574183021273}],"sentiment":"neutral","sentiment_score":0.10708916312168268,"num_words":44,"start":67.955,"end":101.275},{"sentences":[{"text":"Cool.","start":102.295,"end":102.795,"sentiment":"neutral","sentiment_score":0.2421504110097885},{"text":"Okay.","start":103.255,"end":103.755,"sentiment":"neutral","sentiment_score":0.06698952615261078},{"text":"Did you have a look through the document by any chance?","start":104.055,"end":106.875,"sentiment":"neutral","sentiment_score":0.008165169337933714},{"text":"Oh, that's me.","start":113.19,"end":114.17,"sentiment":"neutral","sentiment_score":-0.20496719578901926},{"text":"I sent it to you again today about some time ago.","start":123.845,"end":130.825,"sentiment":"neutral","sentiment_score":0.03554035350680351}],"sentiment":"neutral","sentiment_score":0.006481448188424111,"num_words":27,"start":102.295,"end":130.825},{"sentences":[{"text":"When did I send it?","start":131.445,"end":132.54,"sentiment":"neutral","sentiment_score":-0.007127338368445635},{"text":"Oh, 01:00 ish?","start":134.14,"end":135.84,"sentiment":"neutral","sentiment_score":-0.03456297144293785},{"text":"Because I noticed that it hadn't it hadn't been signed yet.","start":138.06,"end":142.23999,"sentiment":"neutral","sentiment_score":-0.14159771529110995},{"text":"Yes.","start":142.45999,"end":142.85999,"sentiment":"neutral","sentiment_score":0.09213367104530334},{"text":"Yeah.","start":142.85999,"end":143.18,"sentiment":"neutral","sentiment_score":0.2692052721977234}],"sentiment":"neutral","sentiment_score":-0.0635981681490583,"num_words":21,"start":131.445,"end":143.18},{"sentences":[{"text":"That that's my beautiful power planner.","start":143.18,"end":145.2,"sentiment":"positive","sentiment_score":0.7370348274707794},{"text":"I I made him send it to you.","start":145.81999,"end":148.765,"sentiment":"neutral","sentiment_score":0.1496697962284088},{"text":"Yeah.","start":152.74501,"end":153.145,"sentiment":"neutral","sentiment_score":0.080149807035923},{"text":"Of course.","start":153.145,"end":153.46501,"sentiment":"neutral","sentiment_score":0.10899845883250237},{"text":"You can open it.","start":153.46501,"end":154.185,"sentiment":"neutral","sentiment_score":0.1099320724606514}],"sentiment":"neutral","sentiment_score":0.30273534996168955,"num_words":21,"start":143.18,"end":154.185},{"sentences":[{"text":"Yeah.","start":154.185,"end":154.685,"sentiment":"neutral","sentiment_score":0.1018972545862198},{"text":"It has so many pages just for fun.","start":167.37001,"end":170.67,"sentiment":"neutral","sentiment_score":0.29223812744021416},{"text":"So, realistically, the first few pages just go through the goals that we set out, your personal situation, the assets you currently hold, the insurance you currently hold, risk profile, and then the recommendations are exactly what we talked about last time, updating your hub twenty four fund with a new investment and also rolling over your uni super funds and disclosing that And where those funds will go once that's all consolidated.","start":173.05,"end":204.64499,"sentiment":"neutral","sentiment_score":0.18148709231451765},{"text":"And then the cancellation of the income protection with Clearview keeping the life and TPD.","start":206.385,"end":212.64499,"sentiment":"neutral","sentiment_score":-0.0664290284117063},{"text":"And then with closing the Uniflooper fund, it'll cancel the the life TPD and income protection policy that's sitting within that fund.","start":215.76,"end":225.54,"sentiment":"neutral","sentiment_score":-0.07605356045744636}],"sentiment":"neutral","sentiment_score":0.10940122904897738,"num_words":119,"start":154.185,"end":225.54},{"sentences":[{"text":"And then as we went through last week, nothing's changed to the personal investment account with Hub.","start":235.755,"end":240.975,"sentiment":"neutral","sentiment_score":-0.06781614265021156},{"text":"So that's gonna be the the IDPS that we set up with Hub, $30,000 going in there.","start":241.46,"end":246.28,"sentiment":"neutral","sentiment_score":0.04910250468289151},{"text":"And then we have the generation life life builder bond, which is setting up for you, and that's $10 that we're not gonna touch.","start":247.3,"end":260.445,"sentiment":"neutral","sentiment_score":0.03459726565051824},{"text":"The pilot yeah.","start":262.985,"end":264.525,"sentiment":"neutral","sentiment_score":-0.03111199289560318},{"text":"$10 that goes away for him to build and grow for him.","start":265.625,"end":271.37,"sentiment":"neutral","sentiment_score":0.1266199896732966}],"sentiment":"neutral","sentiment_score":0.0265521428432979,"num_words":73,"start":235.755,"end":271.37},{"sentences":[{"text":"And then we have also the $10 that we're putting together for you.","start":271.75,"end":276.33,"sentiment":"neutral","sentiment_score":0.17264502724775901},{"text":"So there's the two Generation Life accounts, both with $10 in them.","start":276.95,"end":281.475,"sentiment":"neutral","sentiment_score":0.10550954286009073},{"text":"One is $10 to set aside for you for some retirement tax effectively in the future, help to pay off future mortgage, stuff like that for ten years down the line to give you a bit of a savings account that we can't touch, we can't play with.","start":282.035,"end":298.22,"sentiment":"positive","sentiment_score":0.41345832869410515},{"text":"So it's just gonna 10 grand's going in there.","start":299.08,"end":300.91998,"sentiment":"neutral","sentiment_score":0.29144075016180676},{"text":"We don't look at it.","start":300.91998,"end":301.72,"sentiment":"neutral","sentiment_score":-0.11531253457069397}],"sentiment":"neutral","sentiment_score":0.29198739913174476,"num_words":87,"start":271.75,"end":301.72},{"sentences":[{"text":"We don't think about it.","start":301.72,"end":302.94,"sentiment":"neutral","sentiment_score":-0.12155424952507018},{"text":"Same with the money for our little boy.","start":303.31998,"end":306.22,"sentiment":"neutral","sentiment_score":0.3119753319770098},{"text":"It goes in there.","start":306.75998,"end":307.56,"sentiment":"neutral","sentiment_score":0.3163546919822693},{"text":"We set him up for the future.","start":307.56,"end":309.18,"sentiment":"positive","sentiment_score":0.48558009948049274},{"text":"The $30 that we put into the investment account is to help you build the investment so we can get back into the the property market in the nearer future.","start":309.24,"end":318.505,"sentiment":"positive","sentiment_score":0.4581595420837402}],"sentiment":"positive","sentiment_score":0.3758758728702863,"num_words":54,"start":301.72,"end":318.505},{"sentences":[{"text":"Yeah.","start":323.605,"end":324.105,"sentiment":"neutral","sentiment_score":-0.004343472421169281},{"text":"Not we don't need to touch it.","start":325.08,"end":326.44,"sentiment":"neutral","sentiment_score":-0.09785001272601741},{"text":"Like, the 30 gram, we don't need to touch anytime soon.","start":326.44,"end":329.0,"sentiment":"neutral","sentiment_score":-0.00872736136344346},{"text":"It's still in the future.","start":329.0,"end":330.52,"sentiment":"neutral","sentiment_score":0.19009777009487153},{"text":"The longer it's in there, the better it's gonna go.","start":330.52,"end":332.78,"sentiment":"neutral","sentiment_score":0.14172089621424674}],"sentiment":"neutral","sentiment_score":0.04654127282693105,"num_words":34,"start":323.605,"end":332.78},{"sentences":[{"text":"But we just we can we can touch it.","start":333.4,"end":336.04,"sentiment":"neutral","sentiment_score":0.24592629902892643},{"text":"We can do what we need to do if and when we're ready to do it.","start":336.04,"end":340.765,"sentiment":"positive","sentiment_score":0.4099015276879072},{"text":"Means that not for the IDPS and not for the hub twenty four investment account.","start":342.18503,"end":349.005,"sentiment":"neutral","sentiment_score":-0.04674114212393761},{"text":"And there's there's not with the there's realistically not with the $10 in either of the bonds either.","start":349.545,"end":355.72,"sentiment":"neutral","sentiment_score":-0.17323490894503063},{"text":"It's just that after ten years, it's tax paid, so we don't pay any tax tax on it.","start":355.78,"end":360.76,"sentiment":"neutral","sentiment_score":-0.08730191054443519}],"sentiment":"neutral","sentiment_score":0.04448659541575532,"num_words":76,"start":333.4,"end":360.76},{"sentences":[{"text":"So there's no capital gains or anything like that when we fill it out.","start":360.98,"end":364.42,"sentiment":"neutral","sentiment_score":0.058812807713236125},{"text":"It's it's literally what is in the account is in the account that's paid to you.","start":364.42,"end":367.725,"sentiment":"neutral","sentiment_score":0.2946574967354536},{"text":"So that's why I wanna put $10 in for you.","start":368.285,"end":370.765,"sentiment":"neutral","sentiment_score":0.3107566263526678},{"text":"So that way, in ten years' time, when we're back in the property market, we have you know you know, if that's the way we end up still going, of course, things can still go up in the air for change that we have that money tucked aside to help you, and it can also be for your son.","start":370.765,"end":387.00998,"sentiment":"neutral","sentiment_score":0.19423220773874703},{"text":"Like, if things change, it's additional money that was put aside for him.","start":387.00998,"end":390.71,"sentiment":"neutral","sentiment_score":0.17653261239712054}],"sentiment":"neutral","sentiment_score":0.20000080122346325,"num_words":112,"start":360.98,"end":390.71},{"sentences":[{"text":"But right now, with the strategy now, it's put away for you to help pay off some of the mortgage or to help you in ten years' time, and that's also the money for for him.","start":390.77,"end":401.16498,"sentiment":"neutral","sentiment_score":0.18548443209793833},{"text":"I know.","start":406.44,"end":411.58002,"sentiment":"positive","sentiment_score":0.4497385025024414},{"text":"I'm nice like that.","start":412.6,"end":413.82,"sentiment":"positive","sentiment_score":0.5018629804253578},{"text":"No.","start":416.44,"end":416.76,"sentiment":"neutral","sentiment_score":0.03388041630387306},{"text":"So, realistically, at this point, we can still go ahead and we can get the applications up and running.","start":416.76,"end":423.815,"sentiment":"neutral","sentiment_score":0.19521431468035044}],"sentiment":"neutral","sentiment_score":0.21495678834617138,"num_words":62,"start":390.77,"end":423.815},{"sentences":[{"text":"Jack just needs to go through a few details.","start":425.155,"end":427.39502,"sentiment":"neutral","sentiment_score":0.09649197508891423},{"text":"It's nothing too arduous, to be honest.","start":427.39502,"end":429.495,"sentiment":"neutral","sentiment_score":-0.01802017167210579},{"text":"He just needs, like, specific details, spelling of names and the date of birth and specifically for your son, not you, and and bank details and stuff like that to be able to get the money paid over into those accounts.","start":430.195,"end":444.915,"sentiment":"neutral","sentiment_score":0.115398748437079},{"text":"And then he'll just go through and finalize the applications and organize with you the best time to pop the money in, and he'll sort of be done.","start":445.875,"end":456.215,"sentiment":"neutral","sentiment_score":0.2021181953272649},{"text":"Nothing too too stressful.","start":456.995,"end":458.375,"sentiment":"neutral","sentiment_score":0.15376561507582664}],"sentiment":"neutral","sentiment_score":0.1320000807807017,"num_words":89,"start":425.155,"end":458.375},{"sentences":[{"text":"That comes out of the the account, the the the super cap.","start":479.435,"end":482.815,"sentiment":"neutral","sentiment_score":0.02927372915049394},{"text":"Yes.","start":484.075,"end":484.575,"sentiment":"neutral","sentiment_score":0.05801665410399437},{"text":"They're cash payments.","start":487.115,"end":488.255,"sentiment":"neutral","sentiment_score":0.049500649174054466},{"text":"Yes.","start":492.13,"end":492.44998,"sentiment":"neutral","sentiment_score":0.06899011135101318},{"text":"That's across the the whole year.","start":492.44998,"end":494.22998,"sentiment":"neutral","sentiment_score":0.07456700379649799}],"sentiment":"neutral","sentiment_score":0.04670415154617766,"num_words":23,"start":479.435,"end":494.22998},{"sentences":[{"text":"And that's, like, that's including, like, Clearview commissions that that Clearview pay to us as comms.","start":494.69,"end":502.44998,"sentiment":"neutral","sentiment_score":0.07677293894812465},{"text":"Yeah.","start":502.44998,"end":502.725,"sentiment":"neutral","sentiment_score":0.0240262933075428},{"text":"It's percentage based, but we I disclose it to you every year as we go through.","start":509.92502,"end":516.39,"sentiment":"neutral","sentiment_score":0.012475801551772747},{"text":"Absolutely.","start":526.39,"end":526.79004,"sentiment":"neutral","sentiment_score":0.2235180288553238},{"text":"Investment changes, each of these conversations, make sure that we're still on track.","start":526.79004,"end":531.69,"sentiment":"neutral","sentiment_score":0.2454227449802252}],"sentiment":"neutral","sentiment_score":0.10353233733838622,"num_words":47,"start":494.69,"end":531.69},{"sentences":[{"text":"You know, you ad hoc call me and say, oh, I done messed up and I need money.","start":533.115,"end":537.295,"sentiment":"neutral","sentiment_score":0.15123733008901277},{"text":"I can get it out to you, everything and anything that your heart desires that I can do within my will power.","start":537.675,"end":544.01495,"sentiment":"neutral","sentiment_score":0.2413481683893637},{"text":"Bargain on a plane and fly somewhere?","start":544.26,"end":545.96,"sentiment":"neutral","sentiment_score":0.034517429769039154},{"text":"I mean, I would probably.","start":546.74,"end":547.88,"sentiment":"neutral","sentiment_score":-0.028918613120913504},{"text":"Absolutely.","start":566.375,"end":566.875,"sentiment":"neutral","sentiment_score":0.020985083654522896}],"sentiment":"neutral","sentiment_score":0.15377255986040494,"num_words":53,"start":533.115,"end":566.875},{"sentences":[{"text":"Yep.","start":576.63,"end":576.95,"sentiment":"neutral","sentiment_score":-0.014760124497115612},{"text":"So you so are you sort of looking at the how to implement our advice table?","start":576.95,"end":582.21497,"sentiment":"neutral","sentiment_score":-0.003261902544181794},{"text":"Cool.","start":582.435,"end":582.935,"sentiment":"neutral","sentiment_score":0.16292254626750946},{"text":"So there's the complete the investment switch in your hub 24 that's the super account.","start":583.235,"end":587.89496,"sentiment":"neutral","sentiment_score":0.01948376763612032},{"text":"We're gonna alter your ClearView policy by canceling the income protection.","start":588.995,"end":592.135,"sentiment":"neutral","sentiment_score":-0.03588646138086915}],"sentiment":"neutral","sentiment_score":-0.00014824044509706172,"num_words":44,"start":576.63,"end":592.135},{"sentences":[{"text":"We're gonna roll the funds from UniSuper over into your Hub 24 super account.","start":593.075,"end":597.85,"sentiment":"neutral","sentiment_score":0.00522982282564044},{"text":"Then we set up the Hub twenty four.","start":598.87,"end":601.21,"sentiment":"neutral","sentiment_score":0.03678832878358662},{"text":"It's a personal investment account, IDPS, and we complete a deposit from your bank account into that account.","start":602.07,"end":609.69,"sentiment":"neutral","sentiment_score":0.04342528898268938},{"text":"And then we have the Generation Life adult and the Generation Life child builder bond.","start":610.13495,"end":614.45496,"sentiment":"neutral","sentiment_score":0.02804958410561085},{"text":"And they're they're those steps six and seven are the $210,000 accounts.","start":614.45496,"end":618.71497,"sentiment":"neutral","sentiment_score":0.016367686291535694}],"sentiment":"neutral","sentiment_score":0.02636321415818894,"num_words":67,"start":593.075,"end":618.71497},{"sentences":[{"text":"Correct.","start":624.58,"end":625.08,"sentiment":"neutral","sentiment_score":0.1248834952712059},{"text":"Yep.","start":646.275,"end":646.775,"sentiment":"neutral","sentiment_score":-0.039010778069496155},{"text":"Death TPD.","start":650.675,"end":651.495,"sentiment":"neutral","sentiment_score":-0.09562912955880165},{"text":"Yeah.","start":651.95996,"end":652.12,"sentiment":"neutral","sentiment_score":-0.003377694636583328},{"text":"So death death and total pump facility will stay.","start":652.12,"end":654.93994,"sentiment":"neutral","sentiment_score":-0.047899415923489466}],"sentiment":"neutral","sentiment_score":-0.03856128427599158,"num_words":14,"start":624.58,"end":654.93994},{"sentences":[{"text":"IP goes, and then the entirety of the Uniswap policy goes.","start":655.56,"end":659.24,"sentiment":"neutral","sentiment_score":0.027282397855411877},{"text":"And then when you go back to work in twelve, eighteen months, two years, Whatever that time line ends up being, we rewrite the whole policy.","start":659.24,"end":669.325,"sentiment":"neutral","sentiment_score":0.011826158991495434},{"text":"We rereview it all and make sure we're all kosher on that front.","start":669.385,"end":673.565,"sentiment":"neutral","sentiment_score":0.07656212322987042},{"text":"Yep.","start":680.12,"end":680.62,"sentiment":"neutral","sentiment_score":0.09078877419233322},{"text":"Absolutely correct.","start":689.4,"end":690.36,"sentiment":"positive","sentiment_score":0.3627988398075104}],"sentiment":"neutral","sentiment_score":0.045646803131775125,"num_words":53,"start":655.56,"end":690.36},{"sentences":[{"text":"And the IDPS, while I know they both say Hub 24, when you log in to your Hub 24 account, you'll see two different like, it's like logging into a bank and having two different accounts.","start":690.36,"end":698.915,"sentiment":"neutral","sentiment_score":0.02874383811528484},{"text":"One's your super account, can't touch it.","start":699.055,"end":700.815,"sentiment":"neutral","sentiment_score":0.015380159818700381},{"text":"One's basically an investment account that you own personally that you can touch.","start":700.815,"end":706.115,"sentiment":"neutral","sentiment_score":0.0381462829044232},{"text":"Absolutely.","start":712.27,"end":712.77,"sentiment":"neutral","sentiment_score":0.11660757660865784},{"text":"Yes.","start":741.14,"end":741.64,"sentiment":"neutral","sentiment_score":0.06259113550186157}],"sentiment":"neutral","sentiment_score":0.03133689104739962,"num_words":58,"start":690.36,"end":741.64},{"sentences":[{"text":"There should be two signatures if I am correct.","start":746.515,"end":750.215,"sentiment":"neutral","sentiment_score":0.028016927755541272},{"text":"Three.","start":751.075,"end":751.47504,"sentiment":"neutral","sentiment_score":-0.008799415081739426},{"text":"Sorry.","start":751.47504,"end":751.97504,"sentiment":"neutral","sentiment_score":-0.044323407113552094},{"text":"Three.","start":752.03503,"end":752.515,"sentiment":"neutral","sentiment_score":-0.016921479254961014},{"text":"So one is one for the cancellation letter that I'm gonna send to Clearview.","start":752.515,"end":755.97504,"sentiment":"neutral","sentiment_score":0.0034847680778641787}],"sentiment":"neutral","sentiment_score":0.008880569286142977,"num_words":26,"start":746.515,"end":755.97504},{"sentences":[{"text":"I just figured I'd get ahead of the game and get that sent off so that way we can cancel it.","start":757.47504,"end":761.43,"sentiment":"neutral","sentiment_score":0.023171021115212215},{"text":"And then there's the statement of advice and the authorization for us to charge your fees on your hub twenty four account.","start":762.47,"end":770.89,"sentiment":"neutral","sentiment_score":0.07643348842181942},{"text":"Jack's gonna set up the applications for all three of the brand new accounts.","start":771.19,"end":774.97,"sentiment":"neutral","sentiment_score":0.11413823759981565},{"text":"And once they're set up, he'll send the applications to you for you to authorize.","start":775.11,"end":780.185,"sentiment":"neutral","sentiment_score":0.1214813843369484},{"text":"But he needs all the bank details and stuff to to get the account set up.","start":780.40497,"end":784.345,"sentiment":"neutral","sentiment_score":0.026913225650787354}],"sentiment":"neutral","sentiment_score":0.06839654421095144,"num_words":88,"start":757.47504,"end":784.345},{"sentences":[{"text":"Yeah.","start":799.80005,"end":800.12,"sentiment":"neutral","sentiment_score":-0.00834118202328682},{"text":"So if you don't want, if there's anything in the advice document that you didn't want to implement, you can freeform text there.","start":800.12,"end":807.015,"sentiment":"neutral","sentiment_score":-0.13873059901854265},{"text":"If you're happy with everything, you just just put a dot in.","start":807.015,"end":809.83496,"sentiment":"neutral","sentiment_score":0.1806313352038463},{"text":"Just put a just, yeah, just a dot so that way it indicates that you've read the document, you're happy to go ahead with all of it.","start":810.695,"end":819.19,"sentiment":"neutral","sentiment_score":0.25604298103738715},{"text":"Because sometimes some clients wanna cut out some of the advice or not not implement all of it.","start":819.19,"end":825.13,"sentiment":"neutral","sentiment_score":-0.09055995030535592}],"sentiment":"neutral","sentiment_score":0.052487807969252266,"num_words":81,"start":799.80005,"end":825.13},{"sentences":[{"text":"Obviously, there's there's a number of strategies in this alone, so sometimes they wanna cut 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youngest.","start":892.155,"end":893.995,"sentiment":"neutral","sentiment_score":-0.256057255797916},{"text":"He literally just we walked into school, had his backpack on that was way too big in his uniform that looks way too big, and he just toddled off in.","start":893.995,"end":903.515,"sentiment":"negative","sentiment_score":-0.33550909062226614},{"text":"And I didn't get a backwards glance, and I followed him.","start":903.515,"end":906.0,"sentiment":"neutral","sentiment_score":-0.22964122755960983}],"sentiment":"negative","sentiment_score":-0.35078384857624767,"num_words":80,"start":882.0,"end":906.0},{"sentences":[{"text":"Got to the classroom, and I was trying to help him.","start":906.16,"end":907.84,"sentiment":"neutral","sentiment_score":-0.19129048016938296},{"text":"He goes, I don't need help.","start":907.84,"end":909.46,"sentiment":"negative","sentiment_score":-0.3406045312682788},{"text":"I was like, oh, okay.","start":910.0,"end":912.02,"sentiment":"neutral","sentiment_score":0.03397746123373509},{"text":"Shot through the heart much.","start":912.64,"end":914.1,"sentiment":"neutral","sentiment_score":-0.01856870874762535},{"text":"Yeah.","start":915.92,"end":916.42,"sentiment":"neutral","sentiment_score":0.09339194744825365}],"sentiment":"neutral","sentiment_score":-0.1420495271283601,"num_words":28,"start":906.16,"end":916.42},{"sentences":[{"text":"Yeah.","start":917.36,"end":917.86,"sentiment":"neutral","sentiment_score":-0.06726520508527756},{"text":"Of course it does.","start":923.955,"end":925.015,"sentiment":"neutral","sentiment_score":-0.1298901680856943},{"text":"They need you.","start":925.315,"end":926.115,"sentiment":"neutral","sentiment_score":-0.07480867207050323},{"text":"They're supposed to need you.","start":926.115,"end":927.575,"sentiment":"neutral","sentiment_score":-0.046706259995698926},{"text":"Amazing.","start":939.73,"end":940.23,"sentiment":"positive","sentiment_score":0.7682906985282898}],"sentiment":"neutral","sentiment_score":-0.019749463934983526,"num_words":14,"start":917.36,"end":940.23},{"sentences":[{"text":"Cool.","start":940.61,"end":940.93,"sentiment":"positive","sentiment_score":0.7072882652282715},{"text":"Now I have that through.","start":940.93,"end":941.97,"sentiment":"positive","sentiment_score":0.47610207796096804},{"text":"Well, I'll start implementing everything on my side, and what I'll do is I will pop you through to Jack, and Jack can grab a couple of details to get those three applications running and get them implemented on that side.","start":941.97,"end":955.255,"sentiment":"neutral","sentiment_score":0.30873721111111524},{"text":"Yeah.","start":957.875,"end":958.375,"sentiment":"neutral","sentiment_score":0.007513703778386116},{"text":"You 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you.","start":1041.395,"end":1044.295,"sentiment":"neutral","sentiment_score":0.21384287228186924},{"text":"Cool.","start":1046.78,"end":1047.28,"sentiment":"positive","sentiment_score":0.7814434170722961},{"text":"I will let him know.","start":1047.42,"end":1048.38,"sentiment":"positive","sentiment_score":0.5733404219150543},{"text":"Just give me one moment, and I will pop you over to him.","start":1048.38,"end":1051.04,"sentiment":"positive","sentiment_score":0.3777807526863538},{"text":"That's okay.","start":1052.38,"end":1053.28,"sentiment":"positive","sentiment_score":0.3815342038869858}],"sentiment":"positive","sentiment_score":0.3480557445436716,"num_words":36,"start":1041.395,"end":1053.28},{"sentences":[{"text":"One sec.","start":1053.5,"end":1054.24,"sentiment":"neutral","sentiment_score":-0.028708260506391525}],"sentiment":"neutral","sentiment_score":-0.028708260506391525,"num_words":2,"start":1053.5,"end":1054.24}]}}]},{"alternatives":[{"transcript":"Hello? Good. How are you? I thought I was gonna call Jack. Oh. Oh. Oh, okay. Yeah. That's okay. It happens. Okay. So, firstly, do you wanna do the security question? Fourteen through the eighth nineteen eighty three. Ainsley Brown. What else? Sorry. Is that it? Alright. So today, I'm at 30 South Street, my own Bateman. Next Wednesday, I will be at 61 Of 44 Girabumbra Avenue, Narrabumbra. Right. No. I haven't received it, but I found that your emails are going into my junk system. So let me see if it's here. When Oh, Ryan Henry. Oh, I oh, what's yes. Then I did just open it. Okay. Alright. So it's definitely has so many pages in it. Yeah. Yes. Yes. Yeah. I think they just ended anyway because I didn't do anything with it. I think it was almost today. That's $4.07, isn't it? Uh-huh. Yeah. That's that's been a bit far off, I think, my mind, isn't it? Yes. Is there was there a look at time for that? Uh-huh. Yes. Yep. Yep. Okay. Excellent. Oh, I document just never ends. Goodness me. Uh-huh. Okay. Yep. Okay. Excellent. And so I just rolled into the for the remuneration. 6,187. Does that does that come out of my sofa, or does that come out of my cat? Okay. Alright. And is is that an annual fee? Okay. And then and then but every year, it's at 6,000? Oh. Yeah. Okay. Right. Okay. And then for that, you guys do all the yep. Yep. Okay. Okay. Alright. So I've just got into the implementation. So sign up. Wait. Hub twenty four. I'm just I'm just gonna read that so I make sure I understand what what it is. So Hub twenty four I just confused with all the different names. That's the super investment? Yeah. Yep. Yeah. Mhmm. Oh, okay. And so they have a 24 IDPS with these 30,000. Okay. That's great. Yeah. Sure. Alright. Yep. Okay. Alright. So I'll just so we're canceling Clearview income protection and the that's in the death and that's right. Yeah. Yep. Excellent. And then we roll over UniSuper into Hub 24. And then Hub 24 has the IDPS for 30,000, and then general's no life is the two ten thousand. Oh. Yep. Okay. Alright. Which hopefully, I won't need to okay. Alright. That sounds good. Alright. So let me find the signing part. Okay. Date today is the twelfth. Is it just one section to sign? Yeah. Okay. Excellent. Taking me to one square. So under the how to implement our rights, there's a a text line. It says multiline. Mhmm. Oh, okay. Mhmm. Yeah. Okay. Oh, goodness. Yeah. I'm I've been running oh, he loves it. It's that's been making me feel a bit guilty about taking him out. So but, yeah, he he loves it. We'll we'll walk in there and he he just starts playing, says hello to everyone. He's listed popular and I'm like, okay. Can I have a hug? He's like, no, mom. Bye. Okay. Yeah. Yep. Yeah. I mean, it's so great, but also I feel so rejected. Yeah. Oh. Oh, goodness, mate. Yeah. It's tough. It's oh, it's it's obvious, but, yes, it hurts. Yeah. Yeah. Exactly. Okay. That is that is all good now. So yeah. Do would you know do I have to increase my debt limit or anything like that to transfer those funds? Or Okay. I don't know. I got caught out the other day. And yeah. It was nice. I think it's 5,000 a day, but I think I can increase it manually. I just don't know how. It's not something you do it very often. So I'm I'm guessing if I know when you guys gonna do it, because if I increase it, it only stays increased to three days. So if I can get a message, but, yeah, oh, yeah. We're gonna do it today or, like, tomorrow, then I can put it in place. Okay. Okay. That's great. 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Good. How are you? I thought I was gonna call Jack. Oh.\n\nOh. Oh, okay. Yeah. That's okay. It happens.\n\nOkay. So, firstly, do you wanna do the security question? Fourteen through the eighth nineteen eighty three. Ainsley Brown. What else?\n\nSorry. Is that it? Alright. So today, I'm at 30 South Street, my own Bateman. Next Wednesday, I will be at 61 Of 44 Girabumbra Avenue, Narrabumbra.\n\nRight. No. I haven't received it, but I found that your emails are going into my junk system. So let me see if it's here. When Oh, Ryan Henry.\n\nOh, I oh, what's yes. Then I did just open it. Okay. Alright. So it's definitely has so many pages in it.\n\nYeah. Yes. Yes. Yeah. I think they just ended anyway because I didn't do anything with it.\n\nI think it was almost today. That's $4.07, isn't it? Uh-huh. Yeah. That's that's been a bit far off, I think, my mind, isn't it?\n\nYes. Is there was there a look at time for that? Uh-huh. Yes. Yep.\n\nYep. Okay. Excellent. Oh, I document just never ends. Goodness me.\n\nUh-huh. Okay. Yep. Okay. Excellent.\n\nAnd so I just rolled into the for the remuneration. 6,187. Does that does that come out of my sofa, or does that come out of my cat? Okay. Alright.\n\nAnd is is that an annual fee? Okay. And then and then but every year, it's at 6,000? Oh. Yeah.\n\nOkay. Right. Okay. And then for that, you guys do all the yep. Yep.\n\nOkay. Okay. Alright. So I've just got into the implementation. So sign up.\n\nWait. Hub twenty four. I'm just I'm just gonna read that so I make sure I understand what what it is. So Hub twenty four I just confused with all the different names. That's the super investment?\n\nYeah. Yep. Yeah. Mhmm. Oh, okay.\n\nAnd so they have a 24 IDPS with these 30,000. Okay. That's great. Yeah. Sure.\n\nAlright. Yep. Okay. Alright. So I'll just so we're canceling Clearview income protection and the that's in the death and that's right.\n\nYeah. Yep. Excellent. And then we roll over UniSuper into Hub 24. And then Hub 24 has the IDPS for 30,000, and then general's no life is the two ten thousand.\n\nOh. Yep. Okay. Alright. Which hopefully, I won't need to okay.\n\nAlright. That sounds good. Alright. So let me find the signing part. Okay.\n\nDate today is the twelfth. Is it just one section to sign? Yeah. Okay. Excellent.\n\nTaking me to one square. So under the how to implement our rights, there's a a text line. It says multiline. Mhmm. Oh, okay.\n\nMhmm. Yeah. Okay. Oh, goodness. Yeah.\n\nI'm I've been running oh, he loves it. It's that's been making me feel a bit guilty about taking him out. So but, yeah, he he loves it. We'll we'll walk in there and he he just starts playing, says hello to everyone. He's listed popular and I'm like, okay.\n\nCan I have a hug? He's like, no, mom. Bye. Okay. Yeah.\n\nYep. Yeah. I mean, it's so great, but also I feel so rejected. Yeah. Oh.\n\nOh, goodness, mate. Yeah. It's tough. It's oh, it's it's obvious, but, yes, it hurts. Yeah.\n\nYeah. Exactly. Okay. That is that is all good now. So yeah.\n\nDo would you know do I have to increase my debt limit or anything like that to transfer those funds? Or Okay. I don't know. I got caught out the other day. And yeah.\n\nIt was nice. I think it's 5,000 a day, but I think I can increase it manually. I just don't know how. It's not something you do it very often. So I'm I'm guessing if I know when you guys gonna do it, because if I increase it, it only stays increased to three days.\n\nSo if I can get a message, but, yeah, oh, yeah. We're gonna do it today or, like, tomorrow, then I can put it in place. Okay. Okay. That's great.\n\nThank you.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.03704001381993294},{"text":"Good.","start":5.7599998,"end":6.08,"sentiment":"positive","sentiment_score":0.5767749547958374},{"text":"How are you?","start":6.08,"end":6.64,"sentiment":"positive","sentiment_score":0.34894437591234845},{"text":"I thought I was gonna call Jack.","start":6.64,"end":8.42,"sentiment":"neutral","sentiment_score":0.06439045018383435},{"text":"Oh.","start":14.48,"end":14.98,"sentiment":"neutral","sentiment_score":0.009701771661639214}],"sentiment":"neutral","sentiment_score":0.1631602322539458,"num_words":13,"start":1.04,"end":14.98},{"sentences":[{"text":"Oh.","start":15.845,"end":16.345001,"sentiment":"neutral","sentiment_score":0.048545509576797485},{"text":"Oh, 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today.","start":230.9,"end":232.36,"sentiment":"neutral","sentiment_score":-0.12788757557670274},{"text":"That's $4.07, isn't it?","start":261.49,"end":263.88498,"sentiment":"neutral","sentiment_score":-0.0025295329978689547},{"text":"Uh-huh.","start":303.11502,"end":303.61502,"sentiment":"neutral","sentiment_score":0.08251461386680603},{"text":"Yeah.","start":319.995,"end":320.495,"sentiment":"neutral","sentiment_score":0.043001025915145874},{"text":"That's that's been a bit far off, I think, my mind, isn't it?","start":320.635,"end":323.615,"sentiment":"neutral","sentiment_score":-0.2948662340641022}],"sentiment":"neutral","sentiment_score":-0.17940755954012275,"num_words":25,"start":230.9,"end":323.615},{"sentences":[{"text":"Yes.","start":341.8,"end":342.28,"sentiment":"neutral","sentiment_score":0.09510070085525511},{"text":"Is there was there a look at time for that?","start":342.28,"end":345.41998,"sentiment":"neutral","sentiment_score":-0.004550839588046074},{"text":"Uh-huh.","start":349.265,"end":349.765,"sentiment":"neutral","sentiment_score":-0.002740531461313367},{"text":"Yes.","start":361.56,"end":362.06,"sentiment":"neutral","sentiment_score":0.041582141071558},{"text":"Yep.","start":368.36002,"end":368.86002,"sentiment":"neutral","sentiment_score":0.32134395837783813}],"sentiment":"neutral","sentiment_score":0.02926984806877694,"num_words":14,"start":341.8,"end":368.86002},{"sentences":[{"text":"Yep.","start":401.63998,"end":402.12,"sentiment":"neutral","sentiment_score":0.22221434116363523},{"text":"Okay.","start":402.12,"end":402.62,"sentiment":"positive","sentiment_score":0.3769890964031219},{"text":"Excellent.","start":403.845,"end":404.345,"sentiment":"positive","sentiment_score":0.6129817962646484},{"text":"Oh, I document just never ends.","start":407.52502,"end":410.265,"sentiment":"neutral","sentiment_score":0.305256150662899},{"text":"Goodness me.","start":410.325,"end":411.30502,"sentiment":"positive","sentiment_score":0.4561093747615814}],"sentiment":"positive","sentiment_score":0.35963098975745117,"num_words":11,"start":401.63998,"end":411.30502},{"sentences":[{"text":"Uh-huh.","start":429.81,"end":430.31,"sentiment":"neutral","sentiment_score":0.04979444667696953},{"text":"Okay.","start":456.78,"end":457.28,"sentiment":"neutral","sentiment_score":0.14149069786071777},{"text":"Yep.","start":458.965,"end":459.465,"sentiment":"neutral","sentiment_score":0.2384587526321411},{"text":"Okay.","start":459.525,"end":460.025,"sentiment":"neutral","sentiment_score":0.31656622886657715},{"text":"Excellent.","start":460.16498,"end":460.66498,"sentiment":"positive","sentiment_score":0.46206969022750854}],"sentiment":"neutral","sentiment_score":0.24167596325278282,"num_words":5,"start":429.81,"end":460.66498},{"sentences":[{"text":"And so I just rolled into the for the remuneration.","start":462.805,"end":465.865,"sentiment":"neutral","sentiment_score":0.19694337993860245},{"text":"6,187.","start":471.4,"end":473.24,"sentiment":"neutral","sentiment_score":0.024348940700292587},{"text":"Does that does that come out of my sofa, or does that come out of my cat?","start":473.24,"end":477.74,"sentiment":"neutral","sentiment_score":-0.0019926504396340426},{"text":"Okay.","start":483.16,"end":483.66,"sentiment":"neutral","sentiment_score":0.05439434200525284},{"text":"Alright.","start":483.8,"end":484.3,"sentiment":"neutral","sentiment_score":0.066911980509758}],"sentiment":"neutral","sentiment_score":0.0693738001709183,"num_words":30,"start":462.805,"end":484.3},{"sentences":[{"text":"And is is that an annual fee?","start":487.075,"end":491.575,"sentiment":"neutral","sentiment_score":0.0389073413929769},{"text":"Okay.","start":501.01,"end":501.51,"sentiment":"neutral","sentiment_score":0.05293697491288185},{"text":"And then and then but every year, it's at 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yep.","start":522.625,"end":530.32,"sentiment":"neutral","sentiment_score":0.08614909127354622},{"text":"Yep.","start":530.32,"end":530.82,"sentiment":"neutral","sentiment_score":0.25584372878074646}],"sentiment":"neutral","sentiment_score":0.09469920583069324,"num_words":14,"start":518.70496,"end":530.82},{"sentences":[{"text":"Okay.","start":550.265,"end":550.765,"sentiment":"neutral","sentiment_score":0.05160536244511604},{"text":"Okay.","start":550.985,"end":551.465,"sentiment":"neutral","sentiment_score":0.0605820007622242},{"text":"Alright.","start":551.465,"end":551.705,"sentiment":"neutral","sentiment_score":0.10437452048063278},{"text":"So I've just got into the implementation.","start":551.705,"end":553.645,"sentiment":"neutral","sentiment_score":0.10280649470431465},{"text":"So sign up.","start":554.265,"end":556.56,"sentiment":"neutral","sentiment_score":0.06631212929884593}],"sentiment":"neutral","sentiment_score":0.08731874880882409,"num_words":13,"start":550.265,"end":556.56},{"sentences":[{"text":"Wait.","start":557.42,"end":557.5,"sentiment":"neutral","sentiment_score":0.027552086859941483},{"text":"Hub twenty four.","start":557.5,"end":559.2,"sentiment":"neutral","sentiment_score":0.01593949490537246},{"text":"I'm just I'm just gonna read that so I make sure I understand what what it is.","start":561.74,"end":566.72,"sentiment":"neutral","sentiment_score":-0.00008991060723714968},{"text":"So Hub twenty four I just confused with all the different names.","start":568.62,"end":573.025,"sentiment":"neutral","sentiment_score":-0.07957946012417476},{"text":"That's the super 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30,000.","start":620.64,"end":624.02,"sentiment":"neutral","sentiment_score":0.02557228095829487},{"text":"Okay.","start":625.84,"end":626.32,"sentiment":"neutral","sentiment_score":0.2797260284423828},{"text":"That's great.","start":626.32,"end":627.14,"sentiment":"positive","sentiment_score":0.46358048915863037},{"text":"Yeah.","start":629.255,"end":629.575,"sentiment":"neutral","sentiment_score":0.24025145173072815},{"text":"Sure.","start":629.575,"end":630.075,"sentiment":"neutral","sentiment_score":0.16810667514801023}],"sentiment":"neutral","sentiment_score":0.12473119621475538,"num_words":15,"start":620.64,"end":630.075},{"sentences":[{"text":"Alright.","start":630.21497,"end":630.71497,"sentiment":"neutral","sentiment_score":0.09000600874423981},{"text":"Yep.","start":631.015,"end":631.515,"sentiment":"neutral","sentiment_score":0.04145268723368645},{"text":"Okay.","start":631.575,"end":631.975,"sentiment":"neutral","sentiment_score":0.02307998016476631},{"text":"Alright.","start":631.975,"end":632.475,"sentiment":"neutral","sentiment_score":0.016620690003037453},{"text":"So I'll just so we're canceling Clearview income protection and the that's in the death and that's right.","start":637.415,"end":655.51996,"sentiment":"neutral","sentiment_score":-0.052896502479496926}],"sentiment":"neutral","sentiment_score":-0.03549898538569158,"num_words":22,"start":630.21497,"end":655.51996},{"sentences":[{"text":"Yeah.","start":655.51996,"end":656.01996,"sentiment":"neutral","sentiment_score":0.03824165463447571},{"text":"Yep.","start":672.435,"end":672.84,"sentiment":"neutral","sentiment_score":0.06742198765277863},{"text":"Excellent.","start":673.80005,"end":674.30005,"sentiment":"positive","sentiment_score":0.6349411606788635},{"text":"And then we roll over UniSuper into Hub 24.","start":675.72003,"end":679.82,"sentiment":"neutral","sentiment_score":0.22752793464395735},{"text":"And then Hub 24 has the IDPS for 30,000, and then general's no life is the two ten thousand.","start":681.08,"end":688.54004,"sentiment":"neutral","sentiment_score":0.04800410951046567}],"sentiment":"neutral","sentiment_score":0.11936884824066393,"num_words":31,"start":655.51996,"end":688.54004},{"sentences":[{"text":"Oh.","start":699.46497,"end":699.96497,"sentiment":"neutral","sentiment_score":0.05751184001564979},{"text":"Yep.","start":706.42,"end":706.89996,"sentiment":"neutral","sentiment_score":0.06965857744216919},{"text":"Okay.","start":706.89996,"end":707.39996,"sentiment":"neutral","sentiment_score":0.08075056970119476},{"text":"Alright.","start":707.54,"end":708.04,"sentiment":"neutral","sentiment_score":0.10690097510814668},{"text":"Which hopefully, I won't need to 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twelfth.","start":737.62994,"end":739.32996,"sentiment":"neutral","sentiment_score":0.04331481754779816},{"text":"Is it just one section to sign?","start":743.77496,"end":745.71497,"sentiment":"neutral","sentiment_score":0.04063392510371549},{"text":"Yeah.","start":784.8,"end":785.2,"sentiment":"neutral","sentiment_score":0.12447738647460938},{"text":"Okay.","start":785.2,"end":785.7,"sentiment":"neutral","sentiment_score":0.22291159629821777},{"text":"Excellent.","start":785.84,"end":786.34,"sentiment":"positive","sentiment_score":0.4442854523658752}],"sentiment":"neutral","sentiment_score":0.08617906657358011,"num_words":15,"start":737.62994,"end":786.34},{"sentences":[{"text":"Taking me to one square.","start":788.24,"end":790.02,"sentiment":"neutral","sentiment_score":0.25668312311172486},{"text":"So under the how to implement our rights, there's a a text line.","start":791.68,"end":797.075,"sentiment":"neutral","sentiment_score":0.06454861393341652},{"text":"It says multiline.","start":797.075,"end":798.135,"sentiment":"neutral","sentiment_score":0.03207981400191784},{"text":"Mhmm.","start":805.315,"end":805.815,"sentiment":"neutral","sentiment_score":-0.04118126630783081},{"text":"Oh, okay.","start":810.27496,"end":810.84,"sentiment":"neutral","sentiment_score":0.15609800815582275}],"sentiment":"neutral","sentiment_score":0.10374174119594197,"num_words":24,"start":788.24,"end":810.84},{"sentences":[{"text":"Mhmm.","start":825.495,"end":825.995,"sentiment":"neutral","sentiment_score":-0.035420551896095276},{"text":"Yeah.","start":828.935,"end":829.435,"sentiment":"neutral","sentiment_score":-0.05568745732307434},{"text":"Okay.","start":834.695,"end":835.195,"sentiment":"neutral","sentiment_score":0.033900462090969086},{"text":"Oh, goodness.","start":838.215,"end":838.955,"sentiment":"neutral","sentiment_score":0.09196508303284645},{"text":"Yeah.","start":848.83,"end":849.33,"sentiment":"neutral","sentiment_score":0.047702983021736145}],"sentiment":"neutral","sentiment_score":0.029070933659871418,"num_words":6,"start":825.495,"end":849.33},{"sentences":[{"text":"I'm I've been running oh, he loves it.","start":849.63,"end":852.75,"sentiment":"neutral","sentiment_score":0.21474829781800508},{"text":"It's that's been making me feel a bit guilty about taking him out.","start":852.75,"end":855.63,"sentiment":"neutral","sentiment_score":-0.2927253638895658},{"text":"So but, yeah, he he loves it.","start":855.63,"end":860.24506,"sentiment":"positive","sentiment_score":0.3892795629799366},{"text":"We'll we'll walk in there and he he just starts playing, says hello to everyone.","start":860.24506,"end":863.945,"sentiment":"neutral","sentiment_score":0.2633008460203807},{"text":"He's listed popular and I'm like, okay.","start":864.005,"end":867.36505,"sentiment":"neutral","sentiment_score":0.20578694875751222}],"sentiment":"neutral","sentiment_score":0.12055069848895072,"num_words":50,"start":849.63,"end":867.36505},{"sentences":[{"text":"Can I have a hug?","start":867.36505,"end":868.42505,"sentiment":"neutral","sentiment_score":0.08329259380698203},{"text":"He's like, no, mom.","start":868.645,"end":869.84503,"sentiment":"neutral","sentiment_score":-0.08404427859932184},{"text":"Bye.","start":869.84503,"end":870.27,"sentiment":"neutral","sentiment_score":-0.05030697584152222},{"text":"Okay.","start":870.83,"end":871.33,"sentiment":"neutral","sentiment_score":-0.0517161563038826},{"text":"Yeah.","start":872.75,"end":873.25,"sentiment":"neutral","sentiment_score":-0.057429034262895584}],"sentiment":"neutral","sentiment_score":-0.006597192647556464,"num_words":12,"start":867.36505,"end":873.25},{"sentences":[{"text":"Yep.","start":873.63,"end":874.13,"sentiment":"neutral","sentiment_score":-0.06131159886717796},{"text":"Yeah.","start":875.63,"end":876.13,"sentiment":"neutral","sentiment_score":-0.22153542935848236},{"text":"I mean, it's so great, but also I feel so 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hurts.","start":918.69495,"end":922.875,"sentiment":"neutral","sentiment_score":-0.31122633318106335},{"text":"Yeah.","start":925.415,"end":925.915,"sentiment":"neutral","sentiment_score":-0.05060894042253494}],"sentiment":"neutral","sentiment_score":-0.15912571211811155,"num_words":16,"start":914.77496,"end":925.915},{"sentences":[{"text":"Yeah.","start":927.91003,"end":928.23004,"sentiment":"neutral","sentiment_score":0.08768801391124725},{"text":"Exactly.","start":928.23004,"end":928.73004,"sentiment":"neutral","sentiment_score":0.1816029995679855},{"text":"Okay.","start":931.99005,"end":932.49005,"sentiment":"neutral","sentiment_score":0.3054986596107483},{"text":"That is that is all good now.","start":932.55005,"end":938.33,"sentiment":"positive","sentiment_score":0.5484410354069301},{"text":"So 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yeah.","start":980.525,"end":981.725,"sentiment":"neutral","sentiment_score":0.0995391421020031}],"sentiment":"neutral","sentiment_score":-0.017484647112295908,"num_words":34,"start":955.84,"end":981.725},{"sentences":[{"text":"It was nice.","start":981.725,"end":982.625,"sentiment":"neutral","sentiment_score":0.3027186989784241},{"text":"I think it's 5,000 a day, but I think I can increase it manually.","start":983.87,"end":993.47,"sentiment":"neutral","sentiment_score":0.024391730182937214},{"text":"I just don't know how.","start":993.47,"end":995.00995,"sentiment":"neutral","sentiment_score":-0.062031204253435133},{"text":"It's not something you do it very often.","start":995.14996,"end":997.00995,"sentiment":"neutral","sentiment_score":-0.08640353661030531},{"text":"So I'm I'm guessing if I know when you guys gonna do it, because if I increase it, it only stays increased to three days.","start":999.145,"end":1005.805,"sentiment":"neutral","sentiment_score":-0.08322287410497665}],"sentiment":"neutral","sentiment_score":-0.033314833586866203,"num_words":55,"start":981.725,"end":1005.805},{"sentences":[{"text":"So if I can get a message, but, yeah, oh, yeah.","start":1007.785,"end":1009.625,"sentiment":"neutral","sentiment_score":0.04320775277235291},{"text":"We're gonna do it today or, like, tomorrow, then I can put it in place.","start":1009.625,"end":1013.245,"sentiment":"neutral","sentiment_score":0.10017788211504618},{"text":"Okay.","start":1038.155,"end":1038.655,"sentiment":"neutral","sentiment_score":0.2956695556640625},{"text":"Okay.","start":1044.4199,"end":1044.8999,"sentiment":"positive","sentiment_score":0.5322138071060181},{"text":"That's 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It's Larissa from Oakview Financial. How are you going?\n\nChannel 1: Good. How are you? I thought I was gonna call Jack.\n\nChannel 0: You were. And I figured I would jump on first because I sent you the updated document, and\n\nChannel 1: Oh.\n\nChannel 0: Jack only does things when things\n\nChannel 1: Oh.\n\nChannel 0: get signed. And I figured I would jump on and just talk through the document, make sure that you're all good. So I I updated it all with with our conversation. So we're gonna cancel the income protection in Clearview and and go through and roll over the uni super. So that's all included in that document that was sent through to you.\n\nAnd I just wanted to make sure that you'd got it, had a chance to read it, and then pop you through to Jack, really. But I kind of jumped ahead of things and forgot to tell you that the calls are recorded and just security with you.\n\nChannel 1: Oh, okay. Yeah.\n\nChannel 0: We're in a mood today. We're just all over the place today, my love.\n\nChannel 1: That's okay. It happens. Okay. So, firstly, do you wanna do the security question?\n\nChannel 0: Absolutely. Our call is recorded. And if you call, just for coaching and secure and security, could you could do your full name, date of birth, and address?\n\nChannel 1: Fourteen through the eighth nineteen eighty three. Ainsley Brown. What else? Sorry. Is that it?\n\nChannel 0: Address.\n\nChannel 1: Alright. So today, I'm at 30 South Street, my own Bateman. Next Wednesday, I will be at 61 Of 44 Girabumbra Avenue, Narrabumbra.\n\nChannel 0: Perfect. The narrowbanda one is the one we have on file moving forward. That's the one\n\nChannel 1: Right.\n\nChannel 0: you you can use. Cool. Okay. Did you have a look through the document by any chance?\n\nChannel 1: No. I haven't received it, but I found that your emails are going into my junk system.\n\nChannel 0: Oh, that's me.\n\nChannel 1: So let me see if it's here. When\n\nChannel 0: I sent it to you again today about some time ago. When did I send it? Oh, 01:00 ish? Because\n\nChannel 1: Oh,\n\nChannel 0: I noticed that it hadn't it\n\nChannel 1: Ryan\n\nChannel 0: hadn't been\n\nChannel 1: Henry.\n\nChannel 0: signed yet. Yes. Yeah. That that's my beautiful power planner.\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: I made him send it to\n\nChannel 1: oh,\n\nChannel 0: you.\n\nChannel 1: what's yes. Then I did just open it.\n\nChannel 0: Yeah. Of course. You can open it. Yeah.\n\nChannel 1: Okay. Alright. So it's definitely has so many pages in it.\n\nChannel 0: It has so many pages just for fun.\n\nChannel 1: Yeah.\n\nChannel 0: So, realistically, the first few pages just go through the goals that we set out, your personal situation, the assets you currently hold, the insurance you currently hold, risk profile, and then the recommendations are exactly what we talked about last time, updating your hub twenty four fund with a new investment and also rolling over your uni super funds and disclosing that\n\nChannel 1: Yes.\n\nChannel 0: And where those funds will go once that's all consolidated. And then the cancellation of the income protection with Clearview keeping the life and TPD.\n\nChannel 1: Yes.\n\nChannel 0: And then with closing the Uniflooper fund, it'll cancel the the life TPD and income protection policy that's sitting within that fund.\n\nChannel 1: Yeah. I think they just ended anyway because I didn't do anything with it. I think it was almost today.\n\nChannel 0: And then as we went through last week, nothing's changed to the personal investment account with Hub. So that's gonna be the the IDPS that we set up with Hub, $30,000 going in there. And then we have the generation life life builder bond, which is setting up for you, and that's $10 that we're not gonna touch.\n\nChannel 1: That's $4.07, isn't\n\nChannel 0: The\n\nChannel 1: it?\n\nChannel 0: pilot yeah. $10 that goes away for him to build and grow for him. And then we have also the $10 that we're putting together for you. So there's the two Generation Life accounts, both with $10 in them. One is $10 to set aside for you for some retirement tax effectively in the future, help to pay off future mortgage, stuff like that for ten years down the line to give you a bit of a savings account that we can't touch, we can't play with.\n\nSo it's just gonna 10 grand's going in there. We don't look at it. We don't think about it.\n\nChannel 1: Uh-huh.\n\nChannel 0: Same with the money for our little boy. It goes in there. We set him up for the future. The $30 that we put into the investment account is to help you build the investment so we can get back into the the property market in the nearer future.\n\nChannel 1: Yeah. That's that's been a bit far off, I think, my mind, isn't it?\n\nChannel 0: Yeah. Not we don't need to touch it. Like, the 30 gram, we don't need to touch anytime soon. It's still in the future. The longer it's in there, the better it's gonna go.\n\nBut we just we can we can touch it. We can do what we need to do if and when we're ready to do it.\n\nChannel 1: Yes.\n\nChannel 0: Means\n\nChannel 1: Is there was there a look\n\nChannel 0: that\n\nChannel 1: at time for that?\n\nChannel 0: not for the IDPS and not for the hub twenty four investment account.\n\nChannel 1: Uh-huh.\n\nChannel 0: And there's there's not with the there's realistically not with the $10 in either of the bonds either. It's just that after ten years, it's tax paid, so we don't pay any tax tax on it. So there's no\n\nChannel 1: Yes.\n\nChannel 0: capital gains or anything like that when we fill it out. It's it's literally what is in the account is in the account that's paid to you. So\n\nChannel 1: Yep.\n\nChannel 0: that's why I wanna put $10 in for you. So that way, in ten years' time, when we're back in the property market, we have you know you know, if that's the way we end up still going, of course, things can still go up in the air for change that we have that money tucked aside to help you, and it can also be for your son. Like, if things change, it's additional money that was put aside for him. But right now, with the strategy now, it's put away for you to help pay off some of the mortgage or to help you in ten years' time, and that's also the money for for him.\n\nChannel 1: Yep. Okay. Excellent.\n\nChannel 0: I\n\nChannel 1: Oh, I document just never ends. Goodness me.\n\nChannel 0: know. I'm nice like that. No. So, realistically, at this point, we can still go ahead and we can get the applications up and running. Jack just needs to go through a few details.\n\nIt's nothing too arduous, to be honest.\n\nChannel 1: Uh-huh.\n\nChannel 0: He just needs, like, specific details, spelling of names and the date of birth and specifically for your son, not you, and and bank details and stuff like that to be able to get the money paid over into those accounts. And then he'll just go through and finalize the applications and organize with you the best time to pop the money in, and he'll sort of be done.\n\nChannel 1: Okay.\n\nChannel 0: Nothing too too stressful.\n\nChannel 1: Yep. Okay. Excellent. And so I just rolled into the for the remuneration. 6,187.\n\nDoes that does that come out of my sofa, or does that come out of my cat?\n\nChannel 0: That comes out of the the account, the the the super cap.\n\nChannel 1: Okay. Alright.\n\nChannel 0: Yes.\n\nChannel 1: And\n\nChannel 0: They're cash\n\nChannel 1: is\n\nChannel 0: payments.\n\nChannel 1: is that an annual fee?\n\nChannel 0: Yes. That's across the the whole year. And that's, like, that's including, like, Clearview commissions that that Clearview\n\nChannel 1: Okay.\n\nChannel 0: pay to us as comms. Yeah.\n\nChannel 1: And then and then but every year, it's at 6,000?\n\nChannel 0: It's percentage based, but we I disclose it to you every year as we go through.\n\nChannel 1: Oh. Yeah. Okay. Right. Okay.\n\nAnd then for that, you guys do all the\n\nChannel 0: Absolutely. Investment changes, each of these conversations, make\n\nChannel 1: yep.\n\nChannel 0: sure\n\nChannel 1: Yep.\n\nChannel 0: that we're still on track. You know, you ad hoc call me and say, oh, I done messed up and I need money. I can get it out to you, everything and anything that your heart desires that I can do within my will power. Bargain on a plane and fly somewhere? I mean, I would probably.\n\nChannel 1: Okay. Okay. Alright. So I've just got into the implementation. So sign up.\n\nWait. Hub twenty four. I'm just I'm just gonna read that so I make sure I understand what what it is.\n\nChannel 0: Absolutely.\n\nChannel 1: So Hub twenty four I just confused with all the different names. That's the super investment?\n\nChannel 0: Yep. So you so are you sort of looking at the how to implement our advice table?\n\nChannel 1: Yeah.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: So there's the complete the investment switch in your hub 24 that's the super account. We're gonna alter your ClearView policy by canceling the income protection. We're\n\nChannel 1: Yeah.\n\nChannel 0: gonna roll the funds from UniSuper over into your Hub 24 super account.\n\nChannel 1: Mhmm.\n\nChannel 0: Then we set up the Hub twenty four. It's a personal investment account, IDPS, and we complete a deposit from your bank account into that account. And then we have the Generation Life adult and the Generation Life child builder bond. And they're they're those steps six and seven are the $210,000 accounts.\n\nChannel 1: Oh, okay. And so they have a 24 IDPS with these 30,000.\n\nChannel 0: Correct.\n\nChannel 1: Okay. That's great. Yeah. Sure. Alright.\n\nYep. Okay. Alright. So I'll just so we're canceling Clearview income protection and the\n\nChannel 0: Yep.\n\nChannel 1: that's in the death and\n\nChannel 0: Death TPD. Yeah. So death death and total pump facility will stay.\n\nChannel 1: that's right. Yeah.\n\nChannel 0: IP goes, and then the entirety of the Uniswap policy goes. And then when you go back to work in twelve, eighteen months, two years, Whatever that time line ends up being, we rewrite the whole policy. We rereview it all and make sure we're all kosher\n\nChannel 1: Yep.\n\nChannel 0: on that front.\n\nChannel 1: Excellent. And then we roll over UniSuper into Hub 24.\n\nChannel 0: Yep.\n\nChannel 1: And then Hub 24 has the IDPS for 30,000, and then general's no life is the two ten thousand.\n\nChannel 0: Absolutely correct. And the IDPS, while I know they both say Hub 24, when you log in to your Hub 24 account, you'll see two different like, it's like logging into a bank and having two different accounts. One's your\n\nChannel 1: Oh.\n\nChannel 0: super account, can't touch it. One's basically an investment account that you own personally that you can touch.\n\nChannel 1: Yep. Okay. Alright. Which hopefully, I won't need to\n\nChannel 0: Absolutely.\n\nChannel 1: okay. Alright. That sounds good. Alright. So let me find the signing part.\n\nOkay. Date today is the twelfth.\n\nChannel 0: Yes.\n\nChannel 1: Is it just one section to sign?\n\nChannel 0: There should be two signatures if I am correct. Three. Sorry. Three. So one is one for the cancellation letter that I'm gonna send to Clearview.\n\nI just figured I'd get ahead of the game and get that sent off so that way we can cancel it. And then there's the statement of advice and the authorization for us to charge your fees on your hub twenty four account. Jack's gonna set up the applications for all three of the brand new accounts. And once they're set up, he'll send the applications to you for you to authorize. But he needs all the bank details and stuff to to get the account set up.\n\nChannel 1: Yeah. Okay. Excellent. Taking me to one square. So under the how to implement our rights, there's a a text line.\n\nIt says multiline.\n\nChannel 0: Yeah. So if you don't want, if there's anything in the advice document that you didn't want to implement,\n\nChannel 1: Mhmm.\n\nChannel 0: you can freeform text there. If you're happy with everything, you just just put a dot in.\n\nChannel 1: Oh, okay.\n\nChannel 0: Just put a just, yeah, just a dot so that way it indicates that you've read the document, you're happy to go ahead with all of it. Because sometimes some clients wanna cut out some of the advice or not not implement all of it. Obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: there's there's a number of strategies in this alone,\n\nChannel 1: Yeah.\n\nChannel 0: so sometimes they wanna cut some.\n\nChannel 1: Okay. Oh, goodness.\n\nChannel 0: Is Rylan at a day care today?\n\nChannel 1: Yeah. I'm I've\n\nChannel 0: Has he\n\nChannel 1: been\n\nChannel 0: been\n\nChannel 1: running\n\nChannel 0: enjoying it?\n\nChannel 1: oh, he loves it. It's that's been making me feel a bit guilty about taking him out. So but, yeah, he he loves it. We'll we'll walk in there and he he just starts playing, says hello to everyone. He's listed popular and I'm like, okay.\n\nCan I have a hug? He's like, no, mom. Bye.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: He's off.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: I had a couple of kids like that.\n\nChannel 1: Yeah. I mean, it's so great, but also I feel so rejected.\n\nChannel 0: Yeah. Yeah. Yeah. You do. Nothing like like, a stage five clinger is really nice, but there is a little bit of heartbreak in you when they just kinda toddle off by themselves.\n\nChannel 1: Yeah.\n\nChannel 0: I remember first day of school with my youngest. He literally just we walked into school, had his backpack on that was way too big in his uniform that looks way too big, and he just toddled off in. And I didn't get a backwards glance, and I followed him. Got to the classroom, and I was trying to help him. He goes, I don't need help.\n\nI was like,\n\nChannel 1: Oh.\n\nChannel 0: oh, okay. Shot through the heart much.\n\nChannel 1: Oh, goodness, mate.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It's tough. It's oh, it's it's obvious, but, yes, it hurts.\n\nChannel 0: Of course it does. They\n\nChannel 1: Yeah.\n\nChannel 0: need you. They're supposed to need you.\n\nChannel 1: Yeah. Exactly. Okay. That is that is all good now. So yeah.\n\nChannel 0: Amazing. Cool. Now I have that through. Well, I'll start implementing everything on my side, and what I'll do is I will pop you through to Jack, and Jack can grab a couple of details to get those three applications running and get them implemented on that side.\n\nChannel 1: Do would you know do I have to increase\n\nChannel 0: Yeah.\n\nChannel 1: my debt limit or anything like that to transfer those funds? Or\n\nChannel 0: You shouldn't. And and if you do, we we can always just do, like, $10,000\n\nChannel 1: Okay.\n\nChannel 0: across sort of five days if there is any issues. Do you know what your bank limit is?\n\nChannel 1: I don't know. I got caught out the other day. And yeah. It was nice. I think it's 5,000 a day, but I think I can increase it manually.\n\nI just don't know how. It's not something you do it very often.\n\nChannel 0: No.\n\nChannel 1: So I'm I'm guessing if I know when you guys gonna do it, because if I increase it, it only stays increased to three days.\n\nChannel 0: Okay.\n\nChannel 1: So if I can get a message, but, yeah, oh, yeah. We're gonna do it today or, like, tomorrow, then I can put it in place.\n\nChannel 0: Yeah. I'll I'll when I transfer you, I'll let Jack know that so that way he can have a look at time frames on his side. He does all the implementation of, like, applications, so he's a little bit more in tune with how long it takes to get things set up. I don't think it takes too too long for the the for everything, but he'll give you calls and everything, and he can keep on on top of it with you.\n\nChannel 1: Okay.\n\nChannel 0: So that way, you're not gonna miss anything. You're not gonna have anything bounce back. And worst case scenario, if it does, he'll be straight on the phone to you.\n\nChannel 1: Okay. That's great.\n\nChannel 0: Cool. I will let him know. Just give me one moment, and I will pop you over to him.\n\nChannel 1: Thank you.\n\nChannel 0: That's okay. One sec.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.03704001381993294}],"sentiment":"neutral","sentiment_score":0.03704001381993294,"channel":1,"num_words":1,"start":1.04,"end":1.54},{"sentences":[{"text":"Hi, Ainsley.","start":2.3999999,"end":3.12,"sentiment":"neutral","sentiment_score":0.20635871589183807},{"text":"It's Larissa from Oakview Financial.","start":3.12,"end":4.72,"sentiment":"neutral","sentiment_score":0.20889754593372345},{"text":"How are you going?","start":4.72,"end":5.62,"sentiment":"neutral","sentiment_score":0.2836843654513359}],"sentiment":"neutral","sentiment_score":0.2356311475688761,"channel":0,"num_words":11,"start":2.3999999,"end":5.62},{"sentences":[{"text":"Good.","start":5.7599998,"end":6.08,"sentiment":"positive","sentiment_score":0.5767749547958374},{"text":"How are you?","start":6.08,"end":6.64,"sentiment":"positive","sentiment_score":0.34894437591234845},{"text":"I thought I was gonna call Jack.","start":6.64,"end":8.42,"sentiment":"neutral","sentiment_score":0.06439045018383435}],"sentiment":"neutral","sentiment_score":0.18857647580179301,"channel":1,"num_words":11,"start":5.7599998,"end":8.42},{"sentences":[{"text":"You were.","start":8.72,"end":9.36,"sentiment":"neutral","sentiment_score":0.07046264037489891},{"text":"And I figured I would jump on first because I sent you the updated document, and","start":9.36,"end":14.415,"sentiment":"neutral","sentiment_score":0.07680585409980267}],"sentiment":"neutral","sentiment_score":0.07610105257481337,"channel":0,"num_words":18,"start":8.72,"end":14.415},{"sentences":[{"text":"Oh.","start":14.48,"end":14.98,"sentiment":"neutral","sentiment_score":0.009701771661639214}],"sentiment":"neutral","sentiment_score":0.009701771661639214,"channel":1,"num_words":1,"start":14.48,"end":14.98},{"sentences":[{"text":"Jack only does things when things","start":14.575,"end":16.015,"sentiment":"neutral","sentiment_score":-0.000826498493552208}],"sentiment":"neutral","sentiment_score":-0.000826498493552208,"channel":0,"num_words":6,"start":14.575,"end":16.015},{"sentences":[{"text":"Oh.","start":15.845,"end":16.345001,"sentiment":"neutral","sentiment_score":0.048545509576797485}],"sentiment":"neutral","sentiment_score":0.048545509576797485,"channel":1,"num_words":1,"start":15.845,"end":16.345001},{"sentences":[{"text":"get signed.","start":16.015,"end":16.835,"sentiment":"neutral","sentiment_score":0.06908254325389862},{"text":"And I figured I would jump on and just talk through the document, make sure that you're all good.","start":16.895,"end":25.455,"sentiment":"neutral","sentiment_score":0.2801397631042882},{"text":"So I I updated it all with with our conversation.","start":25.455,"end":29.220001,"sentiment":"neutral","sentiment_score":0.12300946936011314},{"text":"So we're gonna cancel the income protection in Clearview and and go through and roll over the uni super.","start":29.220001,"end":37.46,"sentiment":"neutral","sentiment_score":-0.043173040606473624},{"text":"So that's all included in that document that was sent through to you.","start":37.46,"end":43.505,"sentiment":"neutral","sentiment_score":0.08028660485377678}],"sentiment":"neutral","sentiment_score":0.10975164080423022,"channel":0,"num_words":63,"start":16.015,"end":43.505},{"sentences":[{"text":"And I just wanted to make sure that you'd got it, had a chance to read it, and then pop you through to Jack, really.","start":43.505,"end":48.645,"sentiment":"neutral","sentiment_score":0.12866237059235572},{"text":"But I kind of jumped ahead of things and forgot to tell you that the calls are recorded and just security with you.","start":48.864998,"end":54.61,"sentiment":"neutral","sentiment_score":-0.051422861121270966}],"sentiment":"neutral","sentiment_score":0.04237153039624294,"channel":0,"num_words":48,"start":43.505,"end":54.61},{"sentences":[{"text":"Oh, okay.","start":54.235,"end":54.875,"sentiment":"neutral","sentiment_score":0.1495489552617073},{"text":"Yeah.","start":54.875,"end":55.375,"sentiment":"neutral","sentiment_score":0.19972458481788635}],"sentiment":"neutral","sentiment_score":0.166274165113767,"channel":1,"num_words":3,"start":54.235,"end":55.375},{"sentences":[{"text":"We're in a mood today.","start":55.030003,"end":56.25,"sentiment":"positive","sentiment_score":0.3417621076107025},{"text":"We're just all over the place today, my love.","start":56.550003,"end":58.57,"sentiment":"positive","sentiment_score":0.3887310226758321}],"sentiment":"positive","sentiment_score":0.3719564101525715,"channel":0,"num_words":14,"start":55.030003,"end":58.57},{"sentences":[{"text":"That's okay.","start":59.559998,"end":60.36,"sentiment":"positive","sentiment_score":0.3406549096107483},{"text":"It happens.","start":60.36,"end":61.019997,"sentiment":"neutral","sentiment_score":0.2359555959701538},{"text":"Okay.","start":62.6,"end":63.079998,"sentiment":"neutral","sentiment_score":0.05381535738706589},{"text":"So, firstly, do you wanna do the security question?","start":63.079998,"end":66.06,"sentiment":"neutral","sentiment_score":0.021248893191417057}],"sentiment":"neutral","sentiment_score":0.0998768862336874,"channel":1,"num_words":14,"start":59.559998,"end":66.06},{"sentences":[{"text":"Absolutely.","start":66.435005,"end":66.935005,"sentiment":"neutral","sentiment_score":0.10038408637046814},{"text":"Our call is recorded.","start":67.155,"end":67.955,"sentiment":"neutral","sentiment_score":0.06557461991906166},{"text":"And if you call, just for coaching and secure and security, could you could do your full name, date of birth, and address?","start":67.955,"end":73.255005,"sentiment":"neutral","sentiment_score":0.046717283356448876}],"sentiment":"neutral","sentiment_score":0.05132786011589425,"channel":0,"num_words":28,"start":66.435005,"end":73.255005},{"sentences":[{"text":"Fourteen through the eighth nineteen eighty three.","start":74.685,"end":77.025,"sentiment":"neutral","sentiment_score":0.014917464527700628},{"text":"Ainsley Brown.","start":77.645004,"end":78.785,"sentiment":"neutral","sentiment_score":0.01814856193959713},{"text":"What else?","start":79.725,"end":80.285,"sentiment":"neutral","sentiment_score":0.007483434863388539},{"text":"Sorry.","start":80.285,"end":80.785,"sentiment":"neutral","sentiment_score":-0.030713900923728943},{"text":"Is that it?","start":81.325,"end":82.225,"sentiment":"neutral","sentiment_score":-0.015236259748538336}],"sentiment":"neutral","sentiment_score":0.005284237675368786,"channel":1,"num_words":15,"start":74.685,"end":82.225},{"sentences":[{"text":"Address.","start":81.880005,"end":82.380005,"sentiment":"neutral","sentiment_score":-0.0001480141654610634}],"sentiment":"neutral","sentiment_score":-0.0001480141654610634,"channel":0,"num_words":1,"start":81.880005,"end":82.380005},{"sentences":[{"text":"Alright.","start":84.34,"end":84.42,"sentiment":"neutral","sentiment_score":0.02182570099830627},{"text":"So today, I'm at 30 South Street, my own Bateman.","start":84.42,"end":89.079994,"sentiment":"neutral","sentiment_score":0.030356338247656822},{"text":"Next Wednesday, I will be at 61 Of 44 Girabumbra Avenue, Narrabumbra.","start":90.259995,"end":95.0,"sentiment":"neutral","sentiment_score":0.035293249102930226}],"sentiment":"neutral","sentiment_score":0.032561220552610314,"channel":1,"num_words":23,"start":84.34,"end":95.0},{"sentences":[{"text":"Perfect.","start":95.655,"end":96.155,"sentiment":"positive","sentiment_score":0.4940543174743652},{"text":"The narrowbanda one is the one we have on file moving forward.","start":96.215004,"end":99.015,"sentiment":"neutral","sentiment_score":0.19070145239432654},{"text":"That's the one","start":99.015,"end":99.575,"sentiment":"neutral","sentiment_score":0.15279409289360046}],"sentiment":"neutral","sentiment_score":0.2025533765554428,"channel":0,"num_words":16,"start":95.655,"end":99.575},{"sentences":[{"text":"Right.","start":99.535,"end":100.035,"sentiment":"neutral","sentiment_score":0.12371604144573212}],"sentiment":"neutral","sentiment_score":0.12371604144573212,"channel":1,"num_words":1,"start":99.535,"end":100.035},{"sentences":[{"text":"you you can use.","start":99.575,"end":101.275,"sentiment":"neutral","sentiment_score":0.09917991235852242},{"text":"Cool.","start":102.295,"end":102.795,"sentiment":"neutral","sentiment_score":0.2421504110097885},{"text":"Okay.","start":103.255,"end":103.755,"sentiment":"neutral","sentiment_score":0.06698952615261078},{"text":"Did you have a look through the document by any chance?","start":104.055,"end":106.875,"sentiment":"neutral","sentiment_score":0.008165169337933714}],"sentiment":"neutral","sentiment_score":0.04680449701845646,"channel":0,"num_words":17,"start":99.575,"end":106.875},{"sentences":[{"text":"No.","start":107.535,"end":107.775,"sentiment":"negative","sentiment_score":-0.4077128171920776},{"text":"I haven't received it, but I found that your emails are going into my junk system.","start":107.775,"end":113.66,"sentiment":"negative","sentiment_score":-0.5115903727710247}],"sentiment":"negative","sentiment_score":-0.5054799283252043,"channel":1,"num_words":17,"start":107.535,"end":113.66},{"sentences":[{"text":"Oh, that's me.","start":113.19,"end":114.17,"sentiment":"neutral","sentiment_score":-0.20496719578901926}],"sentiment":"neutral","sentiment_score":-0.20496719578901926,"channel":0,"num_words":3,"start":113.19,"end":114.17},{"sentences":[{"text":"So let me see if it's here.","start":114.28001,"end":119.66,"sentiment":"neutral","sentiment_score":-0.0618618300982884},{"text":"When","start":121.880005,"end":122.200005,"sentiment":"neutral","sentiment_score":0.029182232916355133}],"sentiment":"neutral","sentiment_score":-0.05048132222145796,"channel":1,"num_words":8,"start":114.28001,"end":122.200005},{"sentences":[{"text":"I sent it to you again today about some time ago.","start":123.845,"end":130.825,"sentiment":"neutral","sentiment_score":0.03554035350680351},{"text":"When did I send it?","start":131.445,"end":132.54,"sentiment":"neutral","sentiment_score":-0.007127338368445635},{"text":"Oh, 01:00 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it.","start":149.67,"end":152.41,"sentiment":"neutral","sentiment_score":0.06216897753377756}],"sentiment":"neutral","sentiment_score":0.07120571983978152,"channel":1,"num_words":8,"start":148.31,"end":152.41},{"sentences":[{"text":"Yeah.","start":152.74501,"end":153.145,"sentiment":"neutral","sentiment_score":0.080149807035923},{"text":"Of course.","start":153.145,"end":153.46501,"sentiment":"neutral","sentiment_score":0.10899845883250237},{"text":"You can open 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funds?","start":958.16,"end":961.38,"sentiment":"neutral","sentiment_score":0.0031028025868264112},{"text":"Or","start":962.56,"end":962.64,"sentiment":"neutral","sentiment_score":0.002658288925886154}],"sentiment":"neutral","sentiment_score":0.0030657597817480564,"channel":1,"num_words":12,"start":958.16,"end":962.64},{"sentences":[{"text":"You shouldn't.","start":963.66,"end":964.3,"sentiment":"neutral","sentiment_score":-0.0030873750802129507},{"text":"And and if you do, we we can always just do, like, $10,000","start":964.3,"end":969.2,"sentiment":"neutral","sentiment_score":0.044043077155947685}],"sentiment":"neutral","sentiment_score":0.03775901685779293,"channel":0,"num_words":15,"start":963.66,"end":969.2},{"sentences":[{"text":"Okay.","start":969.165,"end":969.665,"sentiment":"neutral","sentiment_score":0.03610276058316231}],"sentiment":"neutral","sentiment_score":0.03610276058316231,"channel":1,"num_words":1,"start":969.165,"end":969.665},{"sentences":[{"text":"across sort of five days if there is any issues.","start":969.82,"end":973.27997,"sentiment":"neutral","sentiment_score":0.01790710762143135},{"text":"Do you know what your bank limit is?","start":973.33997,"end":975.015,"sentiment":"neutral","sentiment_score":-0.015435023000463843}],"sentiment":"neutral","sentiment_score":0.0030883829005890423,"channel":0,"num_words":18,"start":969.82,"end":975.015},{"sentences":[{"text":"I don't know.","start":976.365,"end":977.325,"sentiment":"neutral","sentiment_score":-0.07057433823744456},{"text":"I got caught out the other day.","start":977.325,"end":978.865,"sentiment":"neutral","sentiment_score":-0.12065931409597397},{"text":"And yeah.","start":980.525,"end":981.725,"sentiment":"neutral","sentiment_score":0.0995391421020031},{"text":"It was nice.","start":981.725,"end":982.625,"sentiment":"neutral","sentiment_score":0.3027186989784241},{"text":"I think it's 5,000 a day, but I think I can increase it manually.","start":983.87,"end":993.47,"sentiment":"neutral","sentiment_score":0.024391730182937214}],"sentiment":"neutral","sentiment_score":0.01353035828676717,"channel":1,"num_words":29,"start":976.365,"end":993.47},{"sentences":[{"text":"I just don't know how.","start":993.47,"end":995.00995,"sentiment":"neutral","sentiment_score":-0.062031204253435133},{"text":"It's not something you do it very often.","start":995.14996,"end":997.00995,"sentiment":"neutral","sentiment_score":-0.08640353661030531}],"sentiment":"neutral","sentiment_score":-0.0770295626268937,"channel":1,"num_words":13,"start":993.47,"end":997.00995},{"sentences":[{"text":"No.","start":997.85004,"end":998.35004,"sentiment":"neutral","sentiment_score":-0.08052678406238556}],"sentiment":"neutral","sentiment_score":-0.08052678406238556,"channel":0,"num_words":1,"start":997.85004,"end":998.35004},{"sentences":[{"text":"So I'm I'm guessing if I know when you guys gonna do it, because if I increase it, it only stays increased to three days.","start":999.145,"end":1005.805,"sentiment":"neutral","sentiment_score":-0.08322287410497665}],"sentiment":"neutral","sentiment_score":-0.08322287410497665,"channel":1,"num_words":25,"start":999.145,"end":1005.805},{"sentences":[{"text":"Okay.","start":1006.865,"end":1007.365,"sentiment":"neutral","sentiment_score":0.02819930762052536}],"sentiment":"neutral","sentiment_score":0.02819930762052536,"channel":0,"num_words":1,"start":1006.865,"end":1007.365},{"sentences":[{"text":"So if I can get a message, but, yeah, oh, yeah.","start":1007.785,"end":1009.625,"sentiment":"neutral","sentiment_score":0.04320775277235291},{"text":"We're gonna do it today or, like, tomorrow, then I can put it in place.","start":1009.625,"end":1013.245,"sentiment":"neutral","sentiment_score":0.10017788211504618}],"sentiment":"neutral","sentiment_score":0.07607513508544518,"channel":1,"num_words":26,"start":1007.785,"end":1013.245},{"sentences":[{"text":"Yeah.","start":1015.34503,"end":1015.665,"sentiment":"neutral","sentiment_score":0.10355500876903534},{"text":"I'll I'll when I transfer you, I'll let Jack know that so that way he can have a look at time frames on his side.","start":1015.665,"end":1022.56,"sentiment":"neutral","sentiment_score":0.10598370134830475},{"text":"He does all the implementation of, like, applications, so he's a little bit more in tune with how long it takes to get things set up.","start":1022.56,"end":1030.035,"sentiment":"neutral","sentiment_score":0.1165351417596237},{"text":"I don't think it takes too too long for the the for everything, but he'll give you calls and everything, and he can keep on on top of it with you.","start":1030.1951,"end":1037.975,"sentiment":"positive","sentiment_score":0.3492650351216716}],"sentiment":"neutral","sentiment_score":0.20012382309636975,"channel":0,"num_words":83,"start":1015.34503,"end":1037.975},{"sentences":[{"text":"Okay.","start":1038.155,"end":1038.655,"sentiment":"neutral","sentiment_score":0.2956695556640625}],"sentiment":"neutral","sentiment_score":0.2956695556640625,"channel":1,"num_words":1,"start":1038.155,"end":1038.655},{"sentences":[{"text":"So that way, you're not gonna miss anything.","start":1038.355,"end":1040.1951,"sentiment":"neutral","sentiment_score":0.3225536569952965},{"text":"You're not gonna have anything bounce back.","start":1040.1951,"end":1041.395,"sentiment":"neutral","sentiment_score":0.19160400863204682},{"text":"And worst case scenario, if it does, he'll be straight on the phone to you.","start":1041.395,"end":1044.295,"sentiment":"neutral","sentiment_score":0.21384287228186924}],"sentiment":"neutral","sentiment_score":0.23764334668715795,"channel":0,"num_words":30,"start":1038.355,"end":1044.295},{"sentences":[{"text":"Okay.","start":1044.4199,"end":1044.8999,"sentiment":"positive","sentiment_score":0.5322138071060181},{"text":"That's great.","start":1044.8999,"end":1045.7999,"sentiment":"positive","sentiment_score":0.8505573868751526}],"sentiment":"positive","sentiment_score":0.744442860285441,"channel":1,"num_words":3,"start":1044.4199,"end":1045.7999},{"sentences":[{"text":"Cool.","start":1046.78,"end":1047.28,"sentiment":"positive","sentiment_score":0.7814434170722961},{"text":"I will let him know.","start":1047.42,"end":1048.38,"sentiment":"positive","sentiment_score":0.5733404219150543},{"text":"Just give me one moment, and I will pop you over to him.","start":1048.38,"end":1051.04,"sentiment":"positive","sentiment_score":0.3777807526863538}],"sentiment":"positive","sentiment_score":0.45048922692474563,"channel":0,"num_words":19,"start":1046.78,"end":1051.04},{"sentences":[{"text":"Thank you.","start":1050.98,"end":1051.7999,"sentiment":"positive","sentiment_score":0.7859627306461334}],"sentiment":"positive","sentiment_score":0.7859627306461334,"channel":1,"num_words":2,"start":1050.98,"end":1051.7999},{"sentences":[{"text":"That's okay.","start":1052.38,"end":1053.28,"sentiment":"positive","sentiment_score":0.3815342038869858},{"text":"One sec.","start":1053.5,"end":1054.24,"sentiment":"neutral","sentiment_score":-0.028708260506391525}],"sentiment":"neutral","sentiment_score":0.17641297169029713,"channel":0,"num_words":4,"start":1052.38,"end":1054.24}]},"summary":{"result":"success","short":"Ainsley receives a call from Larissa at Oakview Financial regarding their income protection and cancellation of their hub 24 plan. Larissa explains the process of accessing and reading the document, including the retirement plans and retirement funds. The speaker emphasizes the importance of providing specific details for each customer to ensure their retirement plans are still in place. The process for implementing the new hub 24 policy involves cancelling income protection and rolling funds into the account, setting up a new investment account, and creating a deposit into it. The customer is advised to read readiness and is transferred to a representative who will handle their account and provide further details."},"intents":{"segments":[{"text":"I thought I was gonna call Jack. You were.","start_word":16,"end_word":24,"intents":[{"intent":"Call jack","confidence_score":0.016548444}]},{"text":"And I figured I would jump on first because I sent you the updated document, and Oh.","start_word":25,"end_word":41,"intents":[{"intent":"Update document","confidence_score":0.49876636}]},{"text":"So we're gonna cancel the income protection in Clearview and and go through and roll over the uni super.","start_word":80,"end_word":98,"intents":[{"intent":"Cancel income protection","confidence_score":0.6637035}]},{"text":"So, firstly, do you wanna do the security question? Absolutely.","start_word":182,"end_word":191,"intents":[{"intent":"Resolve security question","confidence_score":0.0009229192}]},{"text":"So, realistically, the first few pages just go through the goals that we set out, your personal situation, the assets you currently hold, the insurance you currently hold, risk profile, and then the recommendations are exactly what we talked about last time, updating your hub twenty four fund with a new investment and also rolling over your uni super funds and disclosing that Yes.","start_word":408,"end_word":471,"intents":[{"intent":"Update funds","confidence_score":0.0771937}]},{"text":"One is $10 to set aside for you for some retirement tax effectively in the future, help to pay off future mortgage, stuff like that for ten years down the line to give you a bit of a savings account that we can't touch, we can't play with.","start_word":643,"end_word":690,"intents":[{"intent":"Set aside for retirement tax","confidence_score":0.041748326}]},{"text":"The $30 that we put into the investment account is to help you build the investment so we can get back into the the property market in the nearer future. Yeah.","start_word":729,"end_word":759,"intents":[{"intent":"Build investment","confidence_score":0.20760185}]},{"text":"We can do what we need to do if and when we're ready to do it.","start_word":816,"end_word":831,"intents":[{"intent":"Complete tasks","confidence_score":0.0038300157}]},{"text":"And then he'll just go through and finalize the applications and organize with you the best time to pop the money in, and he'll sort of be done. Okay.","start_word":1140,"end_word":1168,"intents":[{"intent":"Finalize applications and organize funds","confidence_score":0.0062739286}]},{"text":"And They're cash is payments. is that an annual fee? Yes.","start_word":1219,"end_word":1229,"intents":[{"intent":"Explain fees and taxes","confidence_score":0.0000059661897}]},{"text":"That's across the the whole year. And that's, like, that's including, like, Clearview commissions that that Clearview Okay. pay to us as comms. Yeah.","start_word":1230,"end_word":1253,"intents":[{"intent":"Payments and commissions","confidence_score":0.000016694466}]},{"text":"IP goes, and then the entirety of the Uniswap policy goes. And then when you go back to work in twelve, eighteen months, two years, Whatever that time line ends up being, we rewrite the whole policy. We rereview it all and make sure we're all kosher Yep.","start_word":1582,"end_word":1629,"intents":[{"intent":"Rewrite policy","confidence_score":0.3665769},{"intent":"Rereview policy","confidence_score":0.1901573}]},{"text":"So let me find the signing part. Okay. Date today is the twelfth. Yes. Is it just one section to sign? There should be two signatures if I am correct. Three.","start_word":1738,"end_word":1768,"intents":[{"intent":"Sign in","confidence_score":0.0018092587}]},{"text":"Is it just one section to sign? There should be two signatures if I am correct. Three. Sorry.","start_word":1752,"end_word":1769,"intents":[{"intent":"Sign section","confidence_score":0.00012634226}]},{"text":"Jack's gonna set up the applications for all three of the brand new accounts. And once they're set up, he'll send the applications to you for you to authorize. But he needs all the bank details and stuff to to get the account set up. Yeah.","start_word":1828,"end_word":1873,"intents":[{"intent":"Set up applications","confidence_score":0.33637968}]},{"text":"Is Rylan at a day care today? Yeah.","start_word":2002,"end_word":2009,"intents":[{"intent":"Promote rylan's activities","confidence_score":0.00014145419}]},{"text":"Well, I'll start implementing everything on my side, and what I'll do is I will pop you through to Jack, and Jack can grab a couple of details to get those three applications running and get them implemented on that side.","start_word":2263,"end_word":2303,"intents":[{"intent":"Implement applications","confidence_score":0.35093117}]},{"text":"my debt limit or anything like that to transfer those funds? Or You shouldn't.","start_word":2314,"end_word":2327,"intents":[{"intent":"Transfer funds","confidence_score":0.79819775}]},{"text":"So if I can get a message, but, yeah, oh, yeah. We're gonna do it today or, like, tomorrow, then I can put it in place. Yeah.","start_word":2429,"end_word":2455,"intents":[{"intent":"Get a message","confidence_score":0.017901218}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Ainsley. It's Larissa from Oakview Financial. How are you going?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.21139593422412872},{"text":"Good. How are you?","start_word":12,"end_word":15,"sentiment":"positive","sentiment_score":0.4260055720806122},{"text":"I thought I was gonna call Jack. You were. And I figured I would jump on first because I sent you the updated document, and Oh. Jack only does things when things Oh. get signed. And I figured I would jump on and just talk through the document, make sure that you're all good. So I I updated it all with with our conversation. So we're gonna cancel the income protection in Clearview and and go through and roll over the uni super. So that's all included in that document that was sent through to you. And I just wanted to make sure that you'd got it, had a chance to read it, and then pop you through to Jack, really. But I kind of jumped ahead of things and forgot to tell you that the calls are recorded and just security with you. Oh, okay. Yeah.","start_word":16,"end_word":162,"sentiment":"neutral","sentiment_score":0.08110515028238297},{"text":"We're in a mood today. We're just all over the place today, my love. That's okay.","start_word":163,"end_word":178,"sentiment":"positive","sentiment_score":0.3573080003261566},{"text":"It happens. Okay. So, firstly, do you wanna do the security question? Absolutely. Our call is recorded. And if you call, just for coaching and secure and security, could you could do your full name, date of birth, and address? Fourteen through the eighth nineteen eighty three. Ainsley Brown. What else? Sorry. Is that it? Address. Alright. So today, I'm at 30 South Street, my own Bateman. Next Wednesday, I will be at 61 Of 44 Girabumbra Avenue, Narrabumbra.","start_word":179,"end_word":257,"sentiment":"neutral","sentiment_score":0.036304619163274765},{"text":"Perfect.","start_word":258,"end_word":258,"sentiment":"positive","sentiment_score":0.4940543174743652},{"text":"The narrowbanda one is the one we have on file moving forward. That's the one Right. you you can use. Cool. Okay. Did you have a look through the document by any chance?","start_word":259,"end_word":291,"sentiment":"neutral","sentiment_score":0.11658021062612534},{"text":"No. I haven't received it, but I found that your emails are going into my junk system.","start_word":292,"end_word":308,"sentiment":"negative","sentiment_score":-0.47405144572258},{"text":"Oh, that's me. So let me see if it's here. When I sent it to you again today about some time ago. When did I send it? Oh, 01:00 ish? Because Oh, I noticed that it hadn't it Ryan hadn't been Henry. signed yet. Yes. Yeah.","start_word":309,"end_word":354,"sentiment":"neutral","sentiment_score":-0.06163586740908415},{"text":"That that's my beautiful power planner.","start_word":355,"end_word":360,"sentiment":"positive","sentiment_score":0.7325928807258606},{"text":"Oh, I I I made him send it to oh, you. what's yes. Then I did just open it. Yeah. Of course. You can open it. Yeah. Okay. Alright. So it's definitely has so many pages in it. It has so many pages just for fun. Yeah. So, realistically, the first few pages just go through the goals that we set out, your personal situation, the assets you currently hold, the insurance you currently hold, risk profile, and then the recommendations are exactly what we talked about last time, updating your hub twenty four fund with a new investment and also rolling over your uni super funds and disclosing that Yes. And where those funds will go once that's all consolidated. And then the cancellation of the income protection with Clearview keeping the life and TPD. Yes. And then with closing the Uniflooper fund, it'll cancel the the life TPD and income protection policy that's sitting within that fund. Yeah. I think they just ended anyway because I didn't do anything with it. I think it was almost today. And then as we went through last week, nothing's changed to the personal investment account with Hub. So that's gonna be the the IDPS that we set up with Hub, $30,000 going in there. And then we have the generation life life builder bond, which is setting up for you, and that's $10 that we're not gonna touch. That's $4.07, The isn't it? pilot yeah. $10 that goes away for him to build and grow for him. And then we have also the $10 that we're putting together for you. So there's the two Generation Life accounts, both with $10 in them.","start_word":361,"end_word":641,"sentiment":"neutral","sentiment_score":0.06907926499843597},{"text":"One is $10 to set aside for you for some retirement tax effectively in the future, help to pay off future mortgage, stuff like that for ten years down the line to give you a bit of a savings account that we can't touch, we can't play with.","start_word":642,"end_word":689,"sentiment":"positive","sentiment_score":0.3982920944690704},{"text":"So it's just gonna 10 grand's going in there. We don't look at it. We don't think about it. Uh-huh. Same with the money for our little boy. It goes in there.","start_word":690,"end_word":721,"sentiment":"neutral","sentiment_score":0.14727166295051575},{"text":"We set him up for the future. The $30 that we put into the investment account is to help you build the investment so we can get back into the the property market in the nearer future.","start_word":722,"end_word":758,"sentiment":"positive","sentiment_score":0.4526193737983704},{"text":"Yeah. That's that's been a bit far off, I think, my mind, isn't it? Yeah. Not we don't need to touch it. Like, the 30 gram, we don't need to touch anytime soon. It's still in the future. The longer it's in there, the better it's gonna go. But we just we can we can touch it.","start_word":759,"end_word":815,"sentiment":"neutral","sentiment_score":-0.00914936326444149},{"text":"We can do what we need to do if and when we're ready to do it.","start_word":816,"end_word":831,"sentiment":"positive","sentiment_score":0.4072572886943817},{"text":"Yes. Means Is there was there a look that at time for that? not for the IDPS and not for the hub twenty four investment account. Uh-huh. And there's there's not with the there's realistically not with the $10 in either of the bonds either. It's just that after ten years, it's tax paid, so we don't pay any tax tax on it. So there's no Yes. capital gains or anything like that when we fill it out. It's it's literally what is in the account is in the account that's paid to you. So Yep.","start_word":832,"end_word":927,"sentiment":"neutral","sentiment_score":0.012319914065301418},{"text":"that's why I wanna put $10 in for you.","start_word":928,"end_word":936,"sentiment":"positive","sentiment_score":0.3596498966217041},{"text":"So that way, in ten years' time, when we're back in the property market, we have you know you know, if that's the way we end up still going, of course, things can still go up in the air for change that we have that money tucked aside to help you, and it can also be for your son. Like, if things change, it's additional money that was put aside for him. But right now, with the strategy now, it's put away for you to help pay off some of the mortgage or to help you in ten years' time, and that's also the money for for him. Yep.","start_word":937,"end_word":1045,"sentiment":"neutral","sentiment_score":0.18658913671970367},{"text":"Okay. Excellent.","start_word":1046,"end_word":1047,"sentiment":"positive","sentiment_score":0.4949854612350464},{"text":"I Oh, I document just never ends.","start_word":1048,"end_word":1054,"sentiment":"neutral","sentiment_score":0.33225196599960327},{"text":"Goodness me. know. I'm nice like that.","start_word":1055,"end_word":1061,"sentiment":"positive","sentiment_score":0.46324291825294495},{"text":"No. So, realistically, at this point, we can still go ahead and we can get the applications up and running. Jack just needs to go through a few details. It's nothing too arduous, to be honest. Uh-huh. He just needs, like, specific details, spelling of names and the date of birth and specifically for your son, not you, and and bank details and stuff like that to be able to get the money paid over into those accounts. And then he'll just go through and finalize the applications and organize with you the best time to pop the money in, and he'll sort of be done. Okay. Nothing too too stressful. Yep. Okay.","start_word":1062,"end_word":1174,"sentiment":"neutral","sentiment_score":0.13262984156608582},{"text":"Excellent.","start_word":1175,"end_word":1175,"sentiment":"positive","sentiment_score":0.46206969022750854},{"text":"And so I just rolled into the for the remuneration. 6,187. Does that does that come out of my sofa, or does that come out of my cat? That comes out of the the account, the the the super cap. Okay. Alright. Yes. And They're cash is payments. is that an annual fee? Yes. That's across the the whole year. And that's, like, that's including, like, Clearview commissions that that Clearview Okay. pay to us as comms. Yeah. And then and then but every year, it's at 6,000? It's percentage based, but we I disclose it to you every year as we go through. Oh. Yeah. Okay. Right. Okay. And then for that, you guys do all the Absolutely. Investment changes, each of these conversations, make yep. sure Yep. that we're still on track. You know, you ad hoc call me and say, oh, I done messed up and I need money. I can get it out to you, everything and anything that your heart desires that I can do within my will power. Bargain on a plane and fly somewhere? I mean, I would probably. Okay. Okay. Alright. So I've just got into the implementation. So sign up. Wait. Hub twenty four. I'm just I'm just gonna read that so I make sure I understand what what it is. Absolutely. So Hub twenty four I just confused with all the different names. That's the super investment? Yep. So you so are you sort of looking at the how to implement our advice table? Yeah. Cool. Yep. So there's the complete the investment switch in your hub 24 that's the super account. We're gonna alter your ClearView policy by canceling the income protection. We're Yeah. gonna roll the funds from UniSuper over into your Hub 24 super account. Mhmm. Then we set up the Hub twenty four. It's a personal investment account, IDPS, and we complete a deposit from your bank account into that account. And then we have the Generation Life adult and the Generation Life child builder bond. And they're they're those steps six and seven are the $210,000 accounts. Oh, okay. And so they have a 24 IDPS with these 30,000. Correct. Okay.","start_word":1176,"end_word":1541,"sentiment":"neutral","sentiment_score":0.059370662385974424},{"text":"That's great.","start_word":1542,"end_word":1543,"sentiment":"positive","sentiment_score":0.4571398794651031},{"text":"Yeah. Sure. Alright. Yep. Okay. Alright. So I'll just so we're canceling Clearview income protection and the Yep. that's in the death and Death TPD. Yeah. So death death and total pump facility will stay. that's right. Yeah. IP goes, and then the entirety of the Uniswap policy goes. And then when you go back to work in twelve, eighteen months, two years, Whatever that time line ends up being, we rewrite the whole policy. We rereview it all and make sure we're all kosher Yep. on that front.","start_word":1544,"end_word":1632,"sentiment":"neutral","sentiment_score":0.016259898483920635},{"text":"Excellent.","start_word":1633,"end_word":1633,"sentiment":"positive","sentiment_score":0.6349411606788635},{"text":"And then we roll over UniSuper into Hub 24. Yep. And then Hub 24 has the IDPS for 30,000, and then general's no life is the two ten thousand.","start_word":1634,"end_word":1662,"sentiment":"neutral","sentiment_score":0.09682097285985948},{"text":"Absolutely correct.","start_word":1663,"end_word":1664,"sentiment":"positive","sentiment_score":0.3403182029724121},{"text":"And the IDPS, while I know they both say Hub 24, when you log in to your Hub 24 account, you'll see two different like, it's like logging into a bank and having two different accounts. One's your Oh. super account, can't touch it. One's basically an investment account that you own personally that you can touch. Yep. Okay. Alright. Which hopefully, I won't need to Absolutely. okay.","start_word":1665,"end_word":1732,"sentiment":"neutral","sentiment_score":0.04188322275876999},{"text":"Alright. That sounds good.","start_word":1733,"end_word":1736,"sentiment":"positive","sentiment_score":0.4832513928413391},{"text":"Alright. So let me find the signing part. Okay. Date today is the twelfth. Yes. Is it just one section to sign? There should be two signatures if I am correct. Three. Sorry. Three. So one is one for the cancellation letter that I'm gonna send to Clearview. I just figured I'd get ahead of the game and get that sent off so that way we can cancel it. And then there's the statement of advice and the authorization for us to charge your fees on your hub twenty four account. Jack's gonna set up the applications for all three of the brand new accounts. And once they're set up, he'll send the applications to you for you to authorize. But he needs all the bank details and stuff to to get the account set up. Yeah. Okay.","start_word":1737,"end_word":1874,"sentiment":"neutral","sentiment_score":0.05779602751135826},{"text":"Excellent.","start_word":1875,"end_word":1875,"sentiment":"positive","sentiment_score":0.4442854523658752},{"text":"Taking me to one square. So under the how to implement our rights, there's a a text line. It says multiline. Yeah. So if you don't want, if there's anything in the advice document that you didn't want to implement, Mhmm. you can freeform text there. If you're happy with everything, you just just put a dot in. Oh, okay. Just put a just, yeah, just a dot so that way it indicates that you've read the document, you're happy to go ahead with all of it. Because sometimes some clients wanna cut out some of the advice or not not implement all of it. Obviously, Mhmm. there's there's a number of strategies in this alone, Yeah. so sometimes they wanna cut some. Okay. Oh, goodness. Is Rylan at a day care today? Yeah. I'm I've Has he been been running enjoying it? oh, he loves it. It's that's been making me feel a bit guilty about taking him out.","start_word":1876,"end_word":2035,"sentiment":"neutral","sentiment_score":0.03708177849184722},{"text":"So but, yeah, he he loves it.","start_word":2036,"end_word":2042,"sentiment":"positive","sentiment_score":0.3897239565849304},{"text":"We'll we'll walk in there and he he just starts playing, says hello to everyone. He's listed popular and I'm like, okay. Can I have a hug? He's like, no, mom. Bye. Yeah. Okay. He's off. Yeah. Yeah. Yep. I had a couple of kids like that. Yeah.","start_word":2043,"end_word":2090,"sentiment":"neutral","sentiment_score":0.06831292062997818},{"text":"I mean, it's so great, but also I feel so rejected.","start_word":2091,"end_word":2101,"sentiment":"negative","sentiment_score":-0.4151029288768768},{"text":"Yeah. Yeah. Yeah. You do.","start_word":2102,"end_word":2106,"sentiment":"neutral","sentiment_score":-0.21403199434280396},{"text":"Nothing like like, a stage five clinger is really nice, but there is a little bit of heartbreak in you when they just kinda toddle off by themselves.","start_word":2107,"end_word":2134,"sentiment":"negative","sentiment_score":-0.45075157284736633},{"text":"Yeah. I remember first day of school with my youngest.","start_word":2135,"end_word":2144,"sentiment":"neutral","sentiment_score":-0.24520771205425265},{"text":"He literally just we walked into school, had his backpack on that was way too big in his uniform that looks way too big, and he just toddled off in.","start_word":2145,"end_word":2174,"sentiment":"negative","sentiment_score":-0.3333410322666168},{"text":"And I didn't get a backwards glance, and I followed him. Got to the classroom, and I was trying to help him.","start_word":2175,"end_word":2196,"sentiment":"neutral","sentiment_score":-0.21037833392620087},{"text":"He goes, I don't need help.","start_word":2197,"end_word":2202,"sentiment":"negative","sentiment_score":-0.34146496653556824},{"text":"I was like, Oh. oh, okay. Shot through the heart much. Oh, goodness, mate. Yeah. Yeah. Yeah. It's tough. It's oh, it's it's obvious, but, yes, it hurts. Of course it does. They Yeah. need you. They're supposed to need you. Yeah. Exactly. Okay.","start_word":2203,"end_word":2246,"sentiment":"neutral","sentiment_score":-0.07004959881305695},{"text":"That is that is all good now. So yeah. Amazing. Cool. Now I have that through.","start_word":2247,"end_word":2262,"sentiment":"positive","sentiment_score":0.5647491216659546},{"text":"Well, I'll start implementing everything on my side, and what I'll do is I will pop you through to Jack, and Jack can grab a couple of details to get those three applications running and get them implemented on that side. Do would you know do I have to increase Yeah. my debt limit or anything like that to transfer those funds? Or You shouldn't. And and if you do, we we can always just do, like, $10,000 Okay. across sort of five days if there is any issues. Do you know what your bank limit is? I don't know. I got caught out the other day. And yeah. It was nice. I think it's 5,000 a day, but I think I can increase it manually. I just don't know how. It's not something you do it very often. No. So I'm I'm guessing if I know when you guys gonna do it, because if I increase it, it only stays increased to three days. Okay. So if I can get a message, but, yeah, oh, yeah. We're gonna do it today or, like, tomorrow, then I can put it in place. Yeah. I'll I'll when I transfer you, I'll let Jack know that so that way he can have a look at time frames on his side. He does all the implementation of, like, applications, so he's a little bit more in tune with how long it takes to get things set up.","start_word":2263,"end_word":2506,"sentiment":"neutral","sentiment_score":0.07194927334785461},{"text":"I don't think it takes too too long for the the for everything, but he'll give you calls and everything, and he can keep on on top of it with you.","start_word":2507,"end_word":2537,"sentiment":"positive","sentiment_score":0.34350621700286865},{"text":"Okay.","start_word":2538,"end_word":2538,"sentiment":"neutral","sentiment_score":0.2956695556640625},{"text":"So that way, you're not gonna miss anything.","start_word":2539,"end_word":2546,"sentiment":"positive","sentiment_score":0.34807103872299194},{"text":"You're not gonna have anything bounce back. And worst case scenario, if it does, he'll be straight on the phone to you.","start_word":2547,"end_word":2568,"sentiment":"neutral","sentiment_score":0.21340353786945343},{"text":"Okay. That's great. Cool. I will let him know. Just give me one moment, and I will pop you over to him. Thank you. That's okay.","start_word":2569,"end_word":2594,"sentiment":"positive","sentiment_score":0.5273122191429138},{"text":"One sec.","start_word":2595,"end_word":2596,"sentiment":"neutral","sentiment_score":0.11541207879781724}],"average":{"sentiment":"neutral","sentiment_score":0.077448885321778}}}}