{"metadata":{"transaction_key":"deprecated","request_id":"df416ffa-f86a-462f-a944-8b2cfa516ee6","sha256":"0a7a1f7aa60d91f6a57b8a9ec1ca8b6de0539655505600764b31193739bc8caf","created":"2026-03-04T00:36:31.795Z","duration":2023.344,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":7943,"output_tokens":93},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8857,"output_tokens":8874},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8857,"output_tokens":895}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning, Daniel. It's Carl calling from IP Financial Aid today. Yeah. Not too bad at all. Thanks for asking. I've got you scheduled in for that interview now. Is that now is still a good time? Perfect. Just to get started on that one, Daniel, if I could just pass you through security, just that name, date of birth, and kind of just we can get stuck into that one today. Perfect. Thank you for that one. Now I know you already signed that ongoing service grant at the end of last year. Things obviously just got a little bit busy. We didn't get around to actually completing the full annual review there for you. So what we'll be doing there today is just running through a few documents there, how things have gone for the last twelve months, and then any potential updates there as well. So what I will do there, Daniel, is I'll just run through, and I'll confirm a few details, make sure everything else is up to date there if that's alright. Perfect. The address hasn't changed. So yep. Great. And then you're still married to Brianna, and she's your next of kin. Is that still fine? Perfect. Just in regards to that one, we don't have a phone number for Brianna in the event that we couldn't reach you. Did you wanna put down a contact number for her? Or Yep. Perfect. Yep. Perfect. Great. And as I said, that's an interview that we couldn't reach you because that's not for any sort of marketing purchase purposes or anything like that as well. Right. Perfect. And still just the three kids at home? Perfect. Now in regards to your work, I know you're self employed there. Now are you still doing that role? Has that changed at all? Perfect. And then within regards to that one, we don't have your business name because you were sort of yet to name it the last time it was really spoken about. Okay. Still no. That's perfectly fine. And how long have you been self employed now since as opposed to, like, industry experience of, like, other employers? So, like, five years out. Alright. And how long have you been operating heavy equipment? Yep. Perfect. So quite some time. Got a bit under your belt. Right. And in terms of, like, hours you're working per week, do you know roughly sort of what hours you're pulling each week? Perfect. And you're still paying yourself the $1.20 per annum? Yeah. Not a problem. And then as far as your, like, savings and expenditures go, do you know roughly obviously, you know, with the the build on the land and things like that, things are probably a little bit more stretched than usual. But do you know roughly what your expenditures and savings are per week? You don't have a set amount that you're sort of trying to put away in a savings account or an offset account, I think? Yep. And did your partner deal with, like, the household expenses type deal and you're just putting yeah. Yep. Not a problem. And in terms of super guarantee, now I know at one point you were, like, sort of doing 20,000 per annum as, like, lump sum concessional contributions. Are you planning on starting those back up at all, or are you Okay. Yeah. Because, obviously, that does make a difference in regards to your superannuation. Like, obviously, you've got nice amount of assets outside of superannuation from, like, being self employed and being able to contribute a lot more of that money towards those sort of assets paying off the mortgage investment property, things like that as well. But it does sort of, you know, affect your your balance and how that does grow as well if you're not contributing to to superannuation. That's that's fine. I'll leave that with you in your meeting with the account. And if you're just sort of planning on do it as well, you can obviously do the concession and claim that notice of intent, but he'll know all about that as well. Perfect. And then as far as the assets and liabilities, you know, it's updated. So the house is worth around 400 with no no mortgage left on that one. Yeah. The old primary. Yep. And is that now an investment property like you're not living in anymore? Yep. And then as far as, like, the land you had in that build there, that's all finalized now, and you're living in that one currently? Yep. And do you know roughly what that one's worth now? Close to a yep. Perfect. And then do you know roughly what's owing left on that one? Yep. Yep. And then with that one, did you speak to a mortgage broker when you set up that sort of split of, like, not having any loan against the investment property versus, like, your primary residence and things like that? Yeah. Yeah. Because just, obviously, in regards to, like, investment properties at the moment, you can still deduct the interest on, like, the loans for investments versus, like, your primary residence. So sometimes they do do a split between, like, the investment and your primary. So at least, like, the interest getting paid on the investment, one, you're earning an income with that, and then two, the interest on those repayments is a deduction versus, like, your your primary residence. And then if you did wanna review your home loan, we do have some mortgage brokers that we sort of liaison that are part of, like, trusted partners. So if you ever do wanna, like, look at revisiting or refinancing and things like that as well, feel free to give us a shout, and we can sort of pass your details along if you'd like. Yeah. Especially if you, like, haven't really looked at your loan since, like, the house was built and finalized and things like that because you might have a bit more equity than you think, and that might sort of be able to, you know, affect, like, what sort of loan rate you can get as well and whether or not it's worth Yeah. So if you have a chat with your your partner there and wanna have a look into that, feel free, and we can just pass along your your details to one of the mortgage brokers here. And other assets there, I've got your truck worth around the 55,000 and a machine estimated worth around the 85. Is that about right? Yep. Yep. And have you managed to pay most of that off now? Is there anything owing on that escrow? Perfect. And as far as any other assets and liabilities that I haven't mentioned, you said you've got a bit of a savings built up as well. Do you know roughly sort of how much is sitting in that? $1.40. And is that an offset or a savings account? Yep. And do you have that in a high interest savings account at the moment? Because with that too, obviously oh, sorry? Yes. The other option there is you can look at setting up an offset account with your your bank or, like, with the your, like, loan provider there, so, like, who it's with. And you can leave it sitting in the offset. And what that does is essentially, like, it's like being on the mortgage, but it's not. Like, you still have full access to it. It's the exact same as in everyday spending, but you won't get interest on it. All it would do is, like, offset the interest that you would be paying on your home loan. So, essentially, instead of paying the interest on a $700,000 debt, you'd be paying it closer to, you know, that $5.60 mark in terms of, like, the interest repayment you'd be making. So that's something you can look into as well if you're not really got in a high interest or not doing much with it. I'm assuming your home rate is probably up around that sort of five, maybe sort of 5% mark in terms of, like, what you're paying. Yeah. Which which is, yeah, which is definitely higher than what you'd be getting currently at least, not being in, like, a high interest saver or, like, a term deposit and things like that as well. So you could be offsetting, like, the interest of, like, four to 5% of your mortgage as opposed to getting, you know, like, your two two point something percent interest earned on the the savings account, if that makes sense. So that's another thing to be be mindful of and potentially look into there as well. Obviously, if you wanna have a bit more conversation around it or with your partner as well, that's more than fine. Happy to have a a bit more of a chat. But it seems like she does deal with a lot of it as well, so feel free just to mention it to her. And so if you've entered these one previously as well, it's updated the workbook a little bit, but you've now declared bankruptcy or a partner on debt agreement? Yeah. No. That's fine. And as far as your health's going, you're not sort of a smoker still, no injuries, medications currently? Perfect. And have you got private health cover at the moment there, Danny? No. That's fine. And then as far as the estate planning side of things goes, I know you didn't have a will set up the last time you spoke to us there. Have you managed to get around to looking into a will? Yep. Because yeah. We don't draw up wills. We can have conversations around how you can split your estates and things like that and have a general sort of discussion on how you might wanna split it. Obviously, with the young family and your partner, generally, you know, you just leave it to your spouse. And then, like, worst case scenario, there'd be, like, someone else that would look after potentially the children. They'd get you know, as they come of age type deal, which a lawyer all can do. We can send you through just a local solicitor's information booklet on their general pricing a little bit more about wills and estates. And then the other thing you can look to potentially do is if you're just looking to get a slot together one is just like a post office full, they're generally a lot cheaper, not as ironclad. But in saying that yeah. No. And even then, like, even if you've got, like, a will set up by a solicitor, the the likelihood is is, like, if someone comes out of the woodwork, you know, your next spouse, there's a separation, things like that, and people tend to claim anyway and, like, challenge the estates. So even with with a will, it can sort of be tied up sort of thing. And when there's not a will, it just gets real messy real quickly. Yeah. So with that, we could just send that through and then any sort of updates so we can put a reminder in those documents just to make sure you've got those sort of set. Perfect. And I'll just double check-in regards to your beneficiary forms and see if that's up to date. Yes. I've got the three children there as beneficiaries on your your superannuation. Yeah. Perfect. Something to be mindful of is that as well as spouses will always receive money from superannuation and, like, insurance policy through super tax free because they'll always be a tax dependent as well as, like, a dependent through super law. Children are always a dependent through super law, but once they turn, like, over 18 and you're no longer sort of supporting them if they move out of home, things like that, they're no longer considered, like, dependent on you, and then they might not be considered a tax dependent. So they can still receive the funds. They'll just have to pay tax on that. Other yeah. Otherwise, you can look at sort of sending it to the the estate, and you can get rid of sort of the Medicare levy taxes that might be associated with that death benefit. Or you can just leave it to your spouse and then sort of leave other things outside of that to your your children to sort of equal things out once they sort of get a bit older and things like that. Something just to be mindful of. Yeah. Obviously, I think the kids are still quite young. They're sort of in their early teens there, so you've still got a bit of time to think about how you might wanna structure that. And you can even have a chat with the lawyer how you might wanna structure things a little bit as well with, like, a joint will with your partner and things like that as well. Yeah. Perfect. And this one's a bit of a random one, but you're not politically exposed at all that I you don't have any sort of role in politics or any family in politics or local council, things like that? Yeah. Brilliant. Bit of a weird one, but it's part of our anti money laundering. Yeah. And then you're no tax resident anywhere else but Australia at the moment? Sorry. Yeah. There's just a few ones that have updated there. And as far as goals are concerned there, I know your main goal is to just pay down your current loans there, make sure everything on the bill was finalized, get in there. Is there any other goals that you're working towards at the moment? Yeah. Grow the business a little bit. Maybe get someone under your sort of thing as well. Just expand just a tiny bit. Yep. And is that sort of the main goal moving forward? You're not sort of looking at anything major in the next sort of two or three years, the next five years? Perfect. Give that to to someone else and run a second crew, something like that. You get the nice machine. Yeah. That that'd be the way. As far as your risk profile goes, we'll just go through a few questions there and make sure that's still up to date there. So you're currently in a high growth. It's around that ninety ten sort of split. So 90% growth assets, about 10% defensive. And we'll just go through a few questions to make sure that's still up to date there for you. So in regards to most aggressive investment you've made, have you had any direct share holdings or bought any direct shares recently or before? Yep. That's fine. And then with inflation, obviously, you know, having a younger family probably feel it a little bit more than most of the cost of living, but are you still willing to accept a moderate sort of amount of risk to outpace inflation or a higher amount of risk to outpace inflation? No. That's fine. So in regards to, like, inflation, obviously, as that goes up, your money can sort of devalue if it's just sort of sitting in the blank the bank or you're just getting, like, the cash interest rate as opposed to, like, being invested in getting a greater return. Obviously, that caves with the level of risk. How much risk do you think you'd be willing to take to sort of grow your money? Would you say you're a bit of a moderate risk taker or a higher risk taker? Yep. Not a problem. And then as far as if your portfolio was to decrease, so, obviously, there's ups and downs in the market. And with, you know, what's been going on the past sort of year with Trump's tariffs, the wars, those sort of things kicking off. It's been a bit of a a bit of a down. But in saying that, how much would it have to drop before you'd be quite concerned? Like, if it dropped by 20%, would you just still hold it out and know that sort of, you know, the markets would turn around, or would you say that you'd look to maybe be a bit more secure and a bit more defensive in your investments? Or Yeah. So, like, in regards to the markets, obviously, they've gone backwards a little bit this sort of last twelve months. But if it was to die sort of like COVID, would you still be comfortable putting money, like, in your superannuation for those investments to return at a later date and like having sort of conviction that they will sort of return at some point? Yeah. Yep. Perfect. And then with that, though, did that make you a bit cautious at all or sorta concerned when it did dip during COVID? Yeah. So previously, you're a little bit more optimistic about market outcomes, but obviously, if a World War three kicks off, you're a little bit more pessimistic with that one. Yeah. No. Completely understandable. And then with borrowed money, obviously, you've got borrowed money for, you know, like, the investment property there and your your primary residence. But would you ever put borrowed money into anything riskier like an investment portfolio? So if you had, like, a loan or redraw on your mortgage to have, like, an investment outside of superannuation, would you ever consider that? Yeah. So, obviously, you've, like, set yourself up well with, like, the property side of things, having your primary residence there, having an investment property. The next sort of step after that, once you're sort of comfortable with your level of debt and paying down your your mortgage would be to sort of potentially look at, you know, leveraging some some debt there to either have, like, an investment portfolio and or another investment outside of superannuation to help continue to grow your wealth while you're you're working sort of thing. Because, obviously, the the potential upside is a lot higher with, like, using other people's money or the bank's money to be able to sort of get a return on investment versus, like, the loan repayments. Obviously, you know, the risk of that is if, like, the markets were to go down, you're still liable for that loan at the rate you sort of borrowed at as well, which is something to be mindful of. But that's a few years down the track yet, so that's more than fine. That does bring you out to a high growth investor, which is still in line with what they currently got you in. Are you still happy being in a high growth portfolio? Yep. Obviously, you've got the the time horizon there as well to be able to weather those dips in the market a little bit as well. Now in terms of the other documents we're gonna provide you there, so I know you completed that ongoing service agreement already, but I'll send out a notice on there. Some of this contain a tax file opt in form as a signable docket. That's just the they've updated the form on where we store your tax file number. It'll also have your your Vanguard index chart shows the sort of market that we're at thirty year period, your dividend currency for your insurances, also your twelve month performance. Now in regards to that, as I said, with everything that did occur, it has not had a great year. It only did, like, point 47% after fees, and that's largely due to the tech sector taking a bit of a dive. The the market sort of dipping with the announcement of those wars and then also a your underlying investment, the active portion, Benelon. They had an underlying asset that was done for not reporting correctly, which caused them to have to reevaluate that stock and the fund itself to, like, basically, they've lost a a bit of funds under management due to that. Now because of that dip and then the fact that everything has occurred there, as a business, they made a decision to move away from the Bennelong, equities managed fund and look at updating those portfolios. Now given your time on board, it's probably better to have, like, a bit of a refresh totally of your portfolio because it is a little bit tech heavy, which I'm a bit concerned about there as well, given how that has sort of traveled the last year as well. So we can look at just updating that as a whole. Now the options there is we can look to have it to where you still have an active portion in that, or we can look to just go sort of fully passive. And then with that, you do pay a lower investment cost, and it just kinda tracks what the markets are doing. And you're not sort of betting on a fund manager to make the right decisions, especially with the markets at the moment, there is obviously opportunities to be able to outperform the market when the markets are topsy-turvy like this. But also with those many funds, it's also like that did occur as the option that it does potentially out like, perform worse than just what the markets are doing as well, if that makes sense. Yeah. Because we can show you sort of what it looks like, and then you can sort of make a decision. We can show you what the, like, if we go with a more passive approach, which is that lower cost, it will save you sort of ongoing money. And given that you're not contributing sorta at the moment, it'll mean that you sort of like, fees are lower in terms of, like, the investment cost, which is, like, a guaranteed savings even if it doesn't perform as well as, like, if you didn't have an active portal portion that did perform well, if that makes sense. Because it's not like the whole port yeah. It's not like the whole portfolio would be active anyway. There would be a portion that would be passive that sorta is lower cost. The core of the portfolio with, like, either the active portion or not. It's a bit of a flip of the coin at the moment. Obviously, with the markets, like, overall, they still, like, have been tracking well over the past five years just with the indexes. So you can't really go wrong if you were just in the indexes for the past five years. And in saying that it is oh, sorry. Yeah. So yeah. So so with that, like, as long as the the markets continue to tick along, like, they haven't responded, like, horrifically to those, like, wars. Obviously, if it kicks off a little bit more, it may sort of take, like, a significant dive, but it's still sorta, you know, ticking along at a pace. Whereas, like, if you do a managed fund, they're obviously making those bets and, you know, it's a lot harder to make the the right sort of bets when the the times like now when things change so significantly and sort of something you can't really put on paper as to what you think is gonna happen because, you know, no one sort of saw the the Iran and Venezuela thing coming sort of, you know, in your bingo card for the start of 2026. Yep. As I said, like yeah. And you'll still have the same allocation to, like, growth assets. You just won't have, like, an active fund manager trying to, like, do buyers and sales to find value in the market. It'll just track what the market themselves are doing. Perfect. And then with that there, that documents there for you to review just what did occur the last twelve months there will just be going to DanielMullins1@BigPond.com, if that's still correct? Perfect. So that'll come through. So feel free to review that and come back with any questions you may have. Now the other thing I want to have a quick chat about is that you've got the the life and TPD portion. With your insurances, you don't currently hold any income protection or, like, trauma insurance. Now given that you have through business. Yep. Is it like a key person's business insurance, or is it like an actual income protection policy? Okay. That's how long it will last through to? Yep. And are your insurances something that you wanna review? Because, obviously, at the moment, your death and total parent dispute at the moment, they cover, you know, for about, like, a bit over half of, like, your current mortgage debt. Okay. And you don't like, obviously, you have the income protection policy with us or the trauma insurance, which is, like, an outside super insurance in the event that anything needs to happen, but, like, strokes, heart attacks, things like that. Is this something you wanna look at reviewing and going through the pre assessment process to be out of sort of review those insurances, giving you a new level of debt? Or yeah. Obviously, it, like, it comes down to, like, what you're comfortable with. Obviously, if your partner is still working as well and she's able to cover, like, her half of the debt, if, like, were to go wrong, it just means that worst case scenario, if something did happen to you and you're unable to work and you are totally permanently disabled, you would be able to pay off about half the mortgage. But when it comes to anything far that, you'd probably have to look at either, you know, relying on your investment property income, government assistance programs that you're eligible for, things like that as well. If you could yeah. That yeah. If you increase the sum insured, obviously, it does go up. At the moment, you're only paying around 1,100 per annum in terms of, like, insurance cost, so it's not very high. You could look to either increase, you know, the the benefit amount for life and TPD or look at, you know, doing a lump sort of together with an IP policy and just having it all in one spot or looking at, you know, the outside trauma insurance as well. But if you're comfortable with the level of amount that you do have currently, it's not to say that it's bad by any means. It just means you'd have to work towards being a little bit more self insured, which is where savings comes into it, building up your equity within the property, things like that as well. Because all yeah. All insurance is at the end of the day is, like, risk mitigation. There's no, like, sort of guarantee you're ever gonna claim on it. So some people do prefer to work towards being a little bit more self insured and not having to pay as high premium and just having a little bit of it. Some people like to cover fully if anything was to go wrong and then sort of not self insure as much at the end of the day as well. Yep. No. Completely understandable. If you're you're happy with that and you're happy with the level of covers that you have, if you could email through the the IP policy just so we could have it on file as something we have, and then we might get them to send out a third party authority just to get a bit of information on that one just so we've got it for our reference as well if anything does happen. But I'll what was that? Sorry. Just cut out just a little bit. Yeah. Perfect. Do you have one of our emails there, like info at Oakview Financial already? I'm not too sure if it does come through as the same one as the newsletter, but it is just info at Oakview Financial dot com dot a u. Yeah. Okay. Brilliant. If you just send that one through, that'd be great. So we're gonna review that. And then in the back end there, we'll just look at doing the research on that, look at getting that updated there for you in terms of the investment review. But is there any anything else that you wanted particular advice on anything else you wanted to review at the moment? Like, obviously, I know you're speaking to an account and maybe have a chat with a a mortgage broker down the track, but if you reach out. But is there anything that you want specifically addressed or reviewed at this time? Like or pretty yeah. That's not a problem at all. Obviously yeah. I think when would that be coming up? I'd have to check when her annual review would be be coming up there as okay. Yep. Right. Well, yeah, I'll see where that's at with that as well. In regards to that and, yeah, you do have that 1.1% coupling fee, which is still active. So that's good as well in terms of, like, your ongoing fees, which is good. Perfect. I'll see with the team and touch base when she's sort of due for annual review and when that's coming up there as well. And then, yeah, even if she wants to have a chat about sort of the the mortgage broker or anything like that and doing that review, then that's more than fine as well. Yeah. Even if it's like, you know, you don't know unless you sort of have a look at it. And mortgage brokers are generally paid through the institution, so it doesn't really cost you to to check. And then with that, you might be getting a better rate sort of thing as well. Perfect. But any questions for me there, Danny, while you've got me in regards to anything? Not a problem at all. Well, I'll let you get back to your day. Obviously, we'll be in touch once they sort of get everything together, get the research together, and get that document together for you in terms of that update and getting that together for you. And then we'll have book in, have a chat, and see what you you think about it. And if you do wanna make some changes from that as well, feel free to sort of vase any concerns you may have in regards to it because, obviously, at the end of the day, it's your money, so you can have a say if you wanna go ahead with it or not. Not a problem, Daniel. Well, enjoy the rest of your day. Take it easy. Don't work too hard out there. Brilliant. Alright, mate. I'll talk soon. Catch you later. Bye.","confidence":0.9971794,"words":[{"word":"good","start":2.24,"end":2.3999999,"confidence":0.9983139,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.30924931168556213},{"word":"morning","start":2.3999999,"end":2.6399999,"confidence":0.9977071,"punctuated_word":"morning,","sentiment":"neutral","sentiment_score":0.2203508019447327},{"word":"daniel","start":2.6399999,"end":2.96,"confidence":0.9989313,"punctuated_word":"Daniel.","sentiment":"neutral","sentiment_score":0.2127714157104492},{"word":"it's","start":2.96,"end":3.1999998,"confidence":0.99870557,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1982541382312775},{"word":"carl","start":3.1999998,"end":3.4399998,"confidence":0.7176272,"punctuated_word":"Carl","sentiment":"neutral","sentiment_score":0.15431296825408936},{"word":"calling","start":3.4399998,"end":3.9199998,"confidence":0.99296594,"punctuated_word":"calling","sentiment":"neutral","sentiment_score":0.0924447625875473},{"word":"from","start":3.9199998,"end":4.24,"confidence":0.99840873,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.10135594010353088},{"word":"ip","start":4.24,"end":4.56,"confidence":0.17225844,"punctuated_word":"IP","sentiment":"neutral","sentiment_score":0.06389088183641434},{"word":"financial","start":4.56,"end":5.06,"confidence":0.98979354,"punctuated_word":"Financial","sentiment":"neutral","sentiment_score":0.1110905110836029},{"word":"aid","start":5.12,"end":5.2799997,"confidence":0.39962557,"punctuated_word":"Aid","sentiment":"neutral","sentiment_score":0.09446044266223907},{"word":"today","start":5.2799997,"end":5.7799997,"confidence":0.9736128,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.10680986940860748},{"word":"yeah","start":7.8399997,"end":8.24,"confidence":0.7783866,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22327575087547305},{"word":"not","start":8.24,"end":8.4,"confidence":0.99817634,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.3876111209392547},{"word":"too","start":8.4,"end":8.559999,"confidence":0.9939872,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.2902927100658417},{"word":"bad","start":8.559999,"end":8.639999,"confidence":0.99993515,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":0.3089164197444916},{"word":"at","start":8.639999,"end":8.8,"confidence":0.9994911,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.327488511800766},{"word":"all","start":8.8,"end":8.88,"confidence":0.999284,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.44367021322250366},{"word":"thanks","start":8.88,"end":9.12,"confidence":0.99899596,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.6898380517959595},{"word":"for","start":9.12,"end":9.28,"confidence":0.9938412,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6780405044555664},{"word":"asking","start":9.28,"end":9.5199995,"confidence":0.99775755,"punctuated_word":"asking.","sentiment":"positive","sentiment_score":0.6225477457046509},{"word":"i've","start":9.5199995,"end":9.599999,"confidence":0.98348385,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.39095860719680786},{"word":"got","start":9.599999,"end":9.76,"confidence":0.99902475,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.39719438552856445},{"word":"you","start":9.76,"end":9.92,"confidence":0.9836854,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2961061894893646},{"word":"scheduled","start":9.92,"end":10.24,"confidence":0.99834037,"punctuated_word":"scheduled","sentiment":"neutral","sentiment_score":0.3191254734992981},{"word":"in","start":10.24,"end":10.4,"confidence":0.9934722,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.36442291736602783},{"word":"for","start":10.4,"end":10.639999,"confidence":0.9977431,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3175952434539795},{"word":"that","start":10.639999,"end":10.719999,"confidence":0.99958724,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3784787654876709},{"word":"interview","start":10.719999,"end":11.219999,"confidence":0.6234945,"punctuated_word":"interview","sentiment":"neutral","sentiment_score":0.29208308458328247},{"word":"now","start":11.44,"end":11.679999,"confidence":0.9357941,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.3140592575073242},{"word":"is","start":11.679999,"end":11.84,"confidence":0.98282987,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.2132987678050995},{"word":"that","start":11.84,"end":12.0,"confidence":0.97356707,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2937367558479309},{"word":"now","start":12.16,"end":12.32,"confidence":0.5806549,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.2783971130847931},{"word":"is","start":12.32,"end":12.4,"confidence":0.4153123,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2650131583213806},{"word":"still","start":12.4,"end":12.559999,"confidence":0.7399157,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2504591941833496},{"word":"a","start":12.559999,"end":12.639999,"confidence":0.9329198,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3228212594985962},{"word":"good","start":12.639999,"end":12.799999,"confidence":0.99972874,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2671668231487274},{"word":"time","start":12.799999,"end":13.155,"confidence":0.9988163,"punctuated_word":"time?","sentiment":"neutral","sentiment_score":0.285456120967865},{"word":"perfect","start":15.715,"end":16.215,"confidence":0.97447884,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6131665110588074},{"word":"just","start":16.275,"end":16.435,"confidence":0.9919614,"punctuated_word":"Just","sentiment":"positive","sentiment_score":0.38102447986602783},{"word":"to","start":16.435,"end":16.515,"confidence":0.9825476,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30365851521492004},{"word":"get","start":16.515,"end":16.675,"confidence":0.9932769,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2472400963306427},{"word":"started","start":16.675,"end":16.914999,"confidence":0.9855092,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.3320910930633545},{"word":"on","start":16.914999,"end":16.994999,"confidence":0.99894017,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3303070068359375},{"word":"that","start":16.994999,"end":17.074999,"confidence":0.9998591,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.35103458166122437},{"word":"one","start":17.074999,"end":17.235,"confidence":0.998018,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.2312835454940796},{"word":"daniel","start":17.235,"end":17.474998,"confidence":0.95449126,"punctuated_word":"Daniel,","sentiment":"neutral","sentiment_score":0.25301894545555115},{"word":"if","start":17.474998,"end":17.555,"confidence":0.97395974,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2748047113418579},{"word":"i","start":17.555,"end":17.635,"confidence":0.9940188,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24140486121177673},{"word":"could","start":17.635,"end":17.795,"confidence":0.9677126,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.22926944494247437},{"word":"just","start":17.795,"end":17.955,"confidence":0.9987288,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23560573160648343},{"word":"pass","start":17.955,"end":18.115,"confidence":0.99554896,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.26213863492012024},{"word":"you","start":18.115,"end":18.275,"confidence":0.9519503,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25072136521339417},{"word":"through","start":18.275,"end":18.515,"confidence":0.92626613,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.22744828462600708},{"word":"security","start":18.515,"end":18.835,"confidence":0.912215,"punctuated_word":"security,","sentiment":"neutral","sentiment_score":0.2356148362159729},{"word":"just","start":18.835,"end":18.994999,"confidence":0.9899358,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2314930260181427},{"word":"that","start":18.994999,"end":19.154999,"confidence":0.99749374,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23792599141597748},{"word":"name","start":19.154999,"end":19.395,"confidence":0.96435916,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.1817048192024231},{"word":"date","start":19.395,"end":19.555,"confidence":0.9990576,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.21017524600028992},{"word":"of","start":19.555,"end":19.635,"confidence":0.989076,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.222325399518013},{"word":"birth","start":19.635,"end":19.795,"confidence":0.9476484,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.2586454153060913},{"word":"and","start":19.795,"end":19.955,"confidence":0.9955064,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29441678524017334},{"word":"kind","start":19.955,"end":20.195,"confidence":0.46496746,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2722007632255554},{"word":"of","start":20.195,"end":20.355,"confidence":0.7548074,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25738033652305603},{"word":"just","start":20.355,"end":20.435,"confidence":0.49570018,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2622411251068115},{"word":"we","start":20.435,"end":20.515,"confidence":0.7472053,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3073532283306122},{"word":"can","start":20.515,"end":20.675,"confidence":0.9977208,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3225570023059845},{"word":"get","start":20.675,"end":20.835,"confidence":0.99788266,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3284643888473511},{"word":"stuck","start":20.835,"end":20.994999,"confidence":0.99467236,"punctuated_word":"stuck","sentiment":"neutral","sentiment_score":0.26077038049697876},{"word":"into","start":20.994999,"end":21.235,"confidence":0.9854879,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.3387238681316376},{"word":"that","start":21.235,"end":21.395,"confidence":0.99533045,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3349790573120117},{"word":"one","start":21.395,"end":21.555,"confidence":0.98523396,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.22880470752716064},{"word":"today","start":21.555,"end":22.055,"confidence":0.73913944,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.21587976813316345},{"word":"perfect","start":31.25,"end":31.65,"confidence":0.99559164,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5404756665229797},{"word":"thank","start":31.65,"end":31.97,"confidence":0.99966073,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6622889637947083},{"word":"you","start":31.97,"end":32.05,"confidence":0.99989474,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6648472547531128},{"word":"for","start":32.05,"end":32.29,"confidence":0.9997975,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6144722700119019},{"word":"that","start":32.29,"end":32.45,"confidence":0.9999746,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5881810188293457},{"word":"one","start":32.45,"end":32.95,"confidence":0.9998956,"punctuated_word":"one.","sentiment":"positive","sentiment_score":0.6497576832771301},{"word":"now","start":33.17,"end":33.67,"confidence":0.98605716,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2770269513130188},{"word":"i","start":33.73,"end":33.89,"confidence":0.9849668,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17190030217170715},{"word":"know","start":33.89,"end":34.21,"confidence":0.9998516,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1237410232424736},{"word":"you","start":34.21,"end":34.45,"confidence":0.9995285,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15809649229049683},{"word":"already","start":34.45,"end":34.77,"confidence":0.9744377,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.14470209181308746},{"word":"signed","start":34.77,"end":34.93,"confidence":0.97746426,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.12130635976791382},{"word":"that","start":34.93,"end":35.17,"confidence":0.9695628,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1616194248199463},{"word":"ongoing","start":35.17,"end":35.489998,"confidence":0.99807847,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.12154790759086607},{"word":"service","start":35.489998,"end":35.809998,"confidence":0.9642459,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.12585045397281647},{"word":"grant","start":35.809998,"end":35.97,"confidence":0.53698,"punctuated_word":"grant","sentiment":"neutral","sentiment_score":0.20187535881996155},{"word":"at","start":35.97,"end":36.05,"confidence":0.3981138,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11586372554302216},{"word":"the","start":36.05,"end":36.13,"confidence":0.940906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13980859518051147},{"word":"end","start":36.13,"end":36.21,"confidence":0.9998148,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.12968163192272186},{"word":"of","start":36.21,"end":36.45,"confidence":0.99952984,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13099567592144012},{"word":"last","start":36.45,"end":36.69,"confidence":0.8928277,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.12040556222200394},{"word":"year","start":36.69,"end":36.85,"confidence":0.9957522,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.13217444717884064},{"word":"things","start":36.85,"end":37.09,"confidence":0.99345905,"punctuated_word":"Things","sentiment":"neutral","sentiment_score":-0.0454915314912796},{"word":"obviously","start":37.09,"end":37.33,"confidence":0.9423549,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.037357307970523834},{"word":"just","start":37.33,"end":37.489998,"confidence":0.9975439,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03777160495519638},{"word":"got","start":37.489998,"end":37.57,"confidence":0.9941928,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.057129837572574615},{"word":"a","start":37.57,"end":37.65,"confidence":0.99798054,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03627362102270126},{"word":"little","start":37.65,"end":37.809998,"confidence":0.999668,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.07561467587947845},{"word":"bit","start":37.809998,"end":37.97,"confidence":0.9995247,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.056260935962200165},{"word":"busy","start":37.97,"end":38.13,"confidence":0.99578416,"punctuated_word":"busy.","sentiment":"neutral","sentiment_score":-0.08348219096660614},{"word":"we","start":38.13,"end":38.21,"confidence":0.9992366,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.05650356039404869},{"word":"didn't","start":38.21,"end":38.45,"confidence":0.99972475,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.01797930710017681},{"word":"get","start":38.45,"end":38.61,"confidence":0.99839884,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.031670115888118744},{"word":"around","start":38.61,"end":38.85,"confidence":0.99690276,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.05552038550376892},{"word":"to","start":38.85,"end":39.075,"confidence":0.8544073,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.018286295235157013},{"word":"actually","start":39.075,"end":39.395,"confidence":0.9906087,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.0283796563744545},{"word":"completing","start":39.395,"end":39.715,"confidence":0.9996636,"punctuated_word":"completing","sentiment":"neutral","sentiment_score":0.048401474952697754},{"word":"the","start":39.715,"end":39.955,"confidence":0.99970883,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07640040665864944},{"word":"full","start":39.955,"end":40.195,"confidence":0.9997199,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.10568194091320038},{"word":"annual","start":40.195,"end":40.435,"confidence":0.9799876,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.038458503782749176},{"word":"review","start":40.435,"end":40.755,"confidence":0.9952975,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.06609803438186646},{"word":"there","start":40.755,"end":40.915,"confidence":0.99774504,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05652598291635513},{"word":"for","start":40.915,"end":40.995,"confidence":0.9998165,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06807137280702591},{"word":"you","start":40.995,"end":41.155,"confidence":0.99432623,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.06013137847185135},{"word":"so","start":41.155,"end":41.315002,"confidence":0.99973077,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05563334748148918},{"word":"what","start":41.315002,"end":41.555,"confidence":0.97960556,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04841016232967377},{"word":"we'll","start":41.555,"end":41.635002,"confidence":0.9828549,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.07750773429870605},{"word":"be","start":41.635002,"end":41.795002,"confidence":0.9945695,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06681239604949951},{"word":"doing","start":41.795002,"end":41.955,"confidence":0.9999201,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.08930999040603638},{"word":"there","start":41.955,"end":42.115,"confidence":0.9490013,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.12260101735591888},{"word":"today","start":42.115,"end":42.355,"confidence":0.99958616,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.11074027419090272},{"word":"is","start":42.355,"end":42.515,"confidence":0.99917954,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12353751063346864},{"word":"just","start":42.515,"end":42.755,"confidence":0.9990702,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11540115624666214},{"word":"running","start":42.755,"end":43.075,"confidence":0.99974424,"punctuated_word":"running","sentiment":"neutral","sentiment_score":0.10837770253419876},{"word":"through","start":43.075,"end":43.575,"confidence":0.999871,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.11611254513263702},{"word":"a","start":44.435,"end":44.595,"confidence":0.78426975,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09948548674583436},{"word":"few","start":44.595,"end":44.835,"confidence":0.99943024,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.05798850208520889},{"word":"documents","start":44.835,"end":45.335,"confidence":0.99974114,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.06935746222734451},{"word":"there","start":45.395,"end":45.715,"confidence":0.7484018,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.09190275520086288},{"word":"how","start":45.715,"end":45.955,"confidence":0.9228745,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0587814524769783},{"word":"things","start":45.955,"end":46.195,"confidence":0.9941843,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.06406336277723312},{"word":"have","start":46.195,"end":46.355,"confidence":0.7755716,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05763174593448639},{"word":"gone","start":46.355,"end":46.595,"confidence":0.9963922,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.08453275263309479},{"word":"for","start":46.595,"end":46.675,"confidence":0.969947,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06381015479564667},{"word":"the","start":46.675,"end":46.755,"confidence":0.8009272,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06770817935466766},{"word":"last","start":46.755,"end":46.995,"confidence":0.99907506,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.02377433329820633},{"word":"twelve","start":46.995,"end":47.235,"confidence":0.99982554,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.05011536926031113},{"word":"months","start":47.235,"end":47.555,"confidence":0.8977413,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.0917125642299652},{"word":"and","start":47.555,"end":47.715,"confidence":0.9998847,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13211487233638763},{"word":"then","start":47.715,"end":48.215,"confidence":0.99935347,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13947485387325287},{"word":"any","start":48.275,"end":48.515,"confidence":0.99923885,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1000937968492508},{"word":"potential","start":48.515,"end":49.015,"confidence":0.99990916,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":0.0313606821000576},{"word":"updates","start":49.075,"end":49.475,"confidence":0.9354754,"punctuated_word":"updates","sentiment":"neutral","sentiment_score":0.053924743086099625},{"word":"there","start":49.475,"end":49.715,"confidence":0.99949145,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05883016064763069},{"word":"as","start":49.715,"end":49.875,"confidence":0.9999219,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06985687464475632},{"word":"well","start":49.875,"end":50.355,"confidence":0.99986446,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.0815962702035904},{"word":"so","start":50.355,"end":50.515,"confidence":0.93775517,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08371206372976303},{"word":"what","start":50.515,"end":50.755,"confidence":0.9995365,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06429612636566162},{"word":"i","start":50.755,"end":50.835,"confidence":0.99763703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07925905287265778},{"word":"will","start":50.835,"end":51.075,"confidence":0.99721694,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06957615911960602},{"word":"do","start":51.075,"end":51.155,"confidence":0.9995004,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06719102710485458},{"word":"there","start":51.155,"end":51.395,"confidence":0.9970891,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.0788104310631752},{"word":"daniel","start":51.395,"end":51.715,"confidence":0.9911913,"punctuated_word":"Daniel,","sentiment":"neutral","sentiment_score":0.06797482073307037},{"word":"is","start":51.715,"end":51.795,"confidence":0.99684626,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0961134433746338},{"word":"i'll","start":51.795,"end":51.955,"confidence":0.9985876,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0907442569732666},{"word":"just","start":51.955,"end":52.115,"confidence":0.9997583,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07732956111431122},{"word":"run","start":52.115,"end":52.355,"confidence":0.9997776,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.07366830855607986},{"word":"through","start":52.355,"end":52.595,"confidence":0.84532285,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.06883183866739273},{"word":"and","start":52.595,"end":52.755,"confidence":0.99983597,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08803807199001312},{"word":"i'll","start":52.755,"end":52.995003,"confidence":0.9989847,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10325276851654051},{"word":"confirm","start":52.995003,"end":53.195,"confidence":0.99791616,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.09060892462730408},{"word":"a","start":53.195,"end":53.395,"confidence":0.83201027,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08479786664247513},{"word":"few","start":53.395,"end":53.635002,"confidence":0.999984,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.05971477925777435},{"word":"details","start":53.635002,"end":54.035,"confidence":0.9285846,"punctuated_word":"details,","sentiment":"neutral","sentiment_score":0.09644012153148653},{"word":"make","start":54.035,"end":54.195,"confidence":0.99785125,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.11962847411632538},{"word":"sure","start":54.195,"end":54.355,"confidence":0.9995228,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.14443492889404297},{"word":"everything","start":54.355,"end":54.595,"confidence":0.9997255,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.11817193776369096},{"word":"else","start":54.595,"end":54.835,"confidence":0.999114,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.07870419323444366},{"word":"is","start":54.835,"end":55.05,"confidence":0.72548676,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07585760951042175},{"word":"up","start":55.05,"end":55.13,"confidence":0.99748224,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.08219659328460693},{"word":"to","start":55.13,"end":55.29,"confidence":0.9993623,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0857338160276413},{"word":"date","start":55.29,"end":55.79,"confidence":0.9998536,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.08414880186319351},{"word":"there","start":56.25,"end":56.489998,"confidence":0.9980269,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1018686592578888},{"word":"if","start":56.489998,"end":56.809998,"confidence":0.40099707,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07331651449203491},{"word":"that's","start":56.809998,"end":56.969997,"confidence":0.99980974,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08799737691879272},{"word":"alright","start":56.969997,"end":57.469997,"confidence":0.9326289,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.12639033794403076},{"word":"perfect","start":58.09,"end":58.59,"confidence":0.92571956,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2655019760131836},{"word":"the","start":59.69,"end":59.77,"confidence":0.7740526,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.10255816578865053},{"word":"address","start":59.77,"end":60.25,"confidence":0.9979042,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.10156022757291794},{"word":"hasn't","start":60.25,"end":60.75,"confidence":0.99989974,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":0.06201070547103882},{"word":"changed","start":60.809998,"end":61.29,"confidence":0.7366541,"punctuated_word":"changed.","sentiment":"neutral","sentiment_score":0.01938243769109249},{"word":"so","start":61.29,"end":61.79,"confidence":0.8531909,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.058067042380571365},{"word":"yep","start":62.329998,"end":62.829998,"confidence":0.8587418,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.08790029585361481},{"word":"great","start":63.53,"end":64.03,"confidence":0.8522385,"punctuated_word":"Great.","sentiment":"neutral","sentiment_score":0.2735966742038727},{"word":"and","start":65.13,"end":65.29,"confidence":0.9820629,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1328851282596588},{"word":"then","start":65.29,"end":65.79,"confidence":0.9977991,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1584780514240265},{"word":"you're","start":66.01,"end":66.409996,"confidence":0.9775654,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.12452203035354614},{"word":"still","start":66.409996,"end":66.729996,"confidence":0.999723,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.109262116253376},{"word":"married","start":66.729996,"end":67.05,"confidence":0.9997718,"punctuated_word":"married","sentiment":"neutral","sentiment_score":0.08793127536773682},{"word":"to","start":67.05,"end":67.29,"confidence":0.9994117,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13616511225700378},{"word":"brianna","start":67.29,"end":67.77,"confidence":0.9352925,"punctuated_word":"Brianna,","sentiment":"neutral","sentiment_score":0.1228642389178276},{"word":"and","start":67.77,"end":68.01,"confidence":0.9999052,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12519489228725433},{"word":"she's","start":68.01,"end":68.25,"confidence":0.9974953,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.14147716760635376},{"word":"your","start":68.25,"end":68.409996,"confidence":0.9951691,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13802558183670044},{"word":"next","start":68.409996,"end":68.65,"confidence":0.9906669,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.15181562304496765},{"word":"of","start":68.65,"end":68.81,"confidence":0.97476655,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1473560929298401},{"word":"kin","start":68.81,"end":69.05,"confidence":0.98552984,"punctuated_word":"kin.","sentiment":"neutral","sentiment_score":0.1311918944120407},{"word":"is","start":69.05,"end":69.13,"confidence":0.9991929,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1119598001241684},{"word":"that","start":69.13,"end":69.369995,"confidence":0.999782,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14236530661582947},{"word":"still","start":69.369995,"end":69.61,"confidence":0.99839216,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07216653227806091},{"word":"fine","start":69.61,"end":70.035,"confidence":0.8250787,"punctuated_word":"fine?","sentiment":"neutral","sentiment_score":0.10201875865459442},{"word":"perfect","start":72.115005,"end":72.615005,"confidence":0.97076327,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.1685842126607895},{"word":"just","start":72.83501,"end":73.075005,"confidence":0.81143636,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.004425134509801865},{"word":"in","start":73.075005,"end":73.235,"confidence":0.9994991,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02912496216595173},{"word":"regards","start":73.235,"end":73.635,"confidence":0.99960285,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.025087416172027588},{"word":"to","start":73.635,"end":73.795006,"confidence":0.99985015,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02072719857096672},{"word":"that","start":73.795006,"end":73.955,"confidence":0.99996746,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02549666538834572},{"word":"one","start":73.955,"end":74.19501,"confidence":0.98860145,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.04532046616077423},{"word":"we","start":74.19501,"end":74.355,"confidence":0.9998368,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0768294483423233},{"word":"don't","start":74.355,"end":74.755005,"confidence":0.9999865,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05743445083498955},{"word":"have","start":74.755005,"end":75.255005,"confidence":0.99992764,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06504523754119873},{"word":"a","start":75.635,"end":75.795006,"confidence":0.97587854,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06567651033401489},{"word":"phone","start":75.795006,"end":75.955,"confidence":0.9994067,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.08355102688074112},{"word":"number","start":75.955,"end":76.275,"confidence":0.9999521,"punctuated_word":"number","sentiment":"neutral","sentiment_score":-0.0801619365811348},{"word":"for","start":76.275,"end":76.435005,"confidence":0.9995931,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07359408587217331},{"word":"brianna","start":76.435005,"end":76.755005,"confidence":0.99706876,"punctuated_word":"Brianna","sentiment":"neutral","sentiment_score":-0.04123322293162346},{"word":"in","start":76.755005,"end":76.83501,"confidence":0.95037764,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06220971792936325},{"word":"the","start":76.83501,"end":76.915,"confidence":0.98970556,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05094016715884209},{"word":"event","start":76.915,"end":77.15501,"confidence":0.99965084,"punctuated_word":"event","sentiment":"neutral","sentiment_score":-0.07243530452251434},{"word":"that","start":77.15501,"end":77.235,"confidence":0.9984793,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04427792876958847},{"word":"we","start":77.235,"end":77.395004,"confidence":0.99967086,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04521927237510681},{"word":"couldn't","start":77.395004,"end":77.555,"confidence":0.99984473,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.05152703076601029},{"word":"reach","start":77.555,"end":77.715004,"confidence":0.99941444,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":-0.06786765158176422},{"word":"you","start":77.715004,"end":77.955,"confidence":0.999627,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.05642218515276909},{"word":"did","start":77.955,"end":78.035,"confidence":0.99847394,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.036525096744298935},{"word":"you","start":78.035,"end":78.19501,"confidence":0.9997749,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.032094623893499374},{"word":"wanna","start":78.19501,"end":78.435005,"confidence":0.91025096,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.015849478542804718},{"word":"put","start":78.435005,"end":78.595,"confidence":0.99948895,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.02220757491886616},{"word":"down","start":78.595,"end":78.83501,"confidence":0.9995297,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.018535448238253593},{"word":"a","start":78.83501,"end":78.995,"confidence":0.99858946,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01932632178068161},{"word":"contact","start":78.995,"end":79.315,"confidence":0.9998234,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":-0.03381712734699249},{"word":"number","start":79.315,"end":79.815,"confidence":0.9999113,"punctuated_word":"number","sentiment":"neutral","sentiment_score":-0.018958359956741333},{"word":"for","start":80.035,"end":80.19501,"confidence":0.99897397,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02578163333237171},{"word":"her","start":80.19501,"end":80.515,"confidence":0.85444534,"punctuated_word":"her?","sentiment":"neutral","sentiment_score":-0.01929646357893944},{"word":"or","start":80.515,"end":81.015,"confidence":0.9968533,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.004987269639968872},{"word":"yep","start":81.875,"end":82.35,"confidence":0.9312038,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03509300947189331},{"word":"perfect","start":82.35,"end":82.85,"confidence":0.7819082,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.10349036753177644},{"word":"yep","start":85.07,"end":85.57,"confidence":0.7711761,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02694916725158691},{"word":"perfect","start":88.75,"end":89.25,"confidence":0.98303705,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.08113323897123337},{"word":"great","start":92.03,"end":92.53,"confidence":0.87930906,"punctuated_word":"Great.","sentiment":"neutral","sentiment_score":0.12066524475812912},{"word":"and","start":92.75,"end":92.99,"confidence":0.858946,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.006151385605335236},{"word":"as","start":92.99,"end":93.229996,"confidence":0.88559496,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0337003692984581},{"word":"i","start":93.229996,"end":93.31,"confidence":0.9761534,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.030089102685451508},{"word":"said","start":93.31,"end":93.47,"confidence":0.99168074,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.02110292762517929},{"word":"that's","start":93.47,"end":93.63,"confidence":0.9857762,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.08314931392669678},{"word":"an","start":93.63,"end":93.79,"confidence":0.42362475,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.10833794623613358},{"word":"interview","start":93.79,"end":94.11,"confidence":0.49511385,"punctuated_word":"interview","sentiment":"neutral","sentiment_score":-0.04860426485538483},{"word":"that","start":94.11,"end":94.27,"confidence":0.95434535,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11128003895282744},{"word":"we","start":94.27,"end":94.35,"confidence":0.9671565,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12436334043741226},{"word":"couldn't","start":94.35,"end":94.59,"confidence":0.9986841,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.11442768573760986},{"word":"reach","start":94.59,"end":94.83,"confidence":0.9982925,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":-0.1285458356142044},{"word":"you","start":94.83,"end":94.909996,"confidence":0.9917983,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0757017731666565},{"word":"because","start":94.909996,"end":95.149994,"confidence":0.562166,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.10570592433214188},{"word":"that's","start":95.149994,"end":95.31,"confidence":0.90447986,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.08531348407268524},{"word":"not","start":95.31,"end":95.47,"confidence":0.99895155,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08518136292695999},{"word":"for","start":95.47,"end":95.549995,"confidence":0.99906427,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.14316272735595703},{"word":"any","start":95.549995,"end":95.79,"confidence":0.99906987,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.11943493783473969},{"word":"sort","start":95.79,"end":95.95,"confidence":0.99740666,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.12441661208868028},{"word":"of","start":95.95,"end":96.03,"confidence":0.99325067,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15294870734214783},{"word":"marketing","start":96.03,"end":96.43,"confidence":0.99965715,"punctuated_word":"marketing","sentiment":"neutral","sentiment_score":-0.13545793294906616},{"word":"purchase","start":96.43,"end":96.93,"confidence":0.25311896,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":-0.1258415728807449},{"word":"purposes","start":97.07,"end":97.549995,"confidence":0.9962894,"punctuated_word":"purposes","sentiment":"neutral","sentiment_score":-0.12515659630298617},{"word":"or","start":97.549995,"end":97.71,"confidence":0.990334,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07473360002040863},{"word":"anything","start":97.71,"end":98.085,"confidence":0.9984421,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.06391969323158264},{"word":"like","start":98.085,"end":98.245,"confidence":0.89198333,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.09842804074287416},{"word":"that","start":98.245,"end":98.325,"confidence":0.99966455,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.051021549850702286},{"word":"as","start":98.325,"end":98.485,"confidence":0.9997818,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03636275976896286},{"word":"well","start":98.485,"end":98.985,"confidence":0.9791045,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.032130658626556396},{"word":"right","start":100.405,"end":100.905,"confidence":0.88695085,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.12467234581708908},{"word":"perfect","start":102.485,"end":102.805,"confidence":0.98898304,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.21237841248512268},{"word":"and","start":102.805,"end":103.045,"confidence":0.99615866,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06374241411685944},{"word":"still","start":103.045,"end":103.284996,"confidence":0.9556616,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0515902042388916},{"word":"just","start":103.284996,"end":103.445,"confidence":0.9773851,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06019235774874687},{"word":"the","start":103.445,"end":103.604996,"confidence":0.99190736,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09653784334659576},{"word":"three","start":103.604996,"end":103.765,"confidence":0.99987364,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.07252615690231323},{"word":"kids","start":103.765,"end":104.085,"confidence":0.9999504,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.12820090353488922},{"word":"at","start":104.085,"end":104.165,"confidence":0.9998267,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06649628281593323},{"word":"home","start":104.165,"end":104.665,"confidence":0.99292874,"punctuated_word":"home?","sentiment":"neutral","sentiment_score":0.08309903740882874},{"word":"perfect","start":108.085,"end":108.585,"confidence":0.95087534,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.0395457036793232},{"word":"now","start":109.445,"end":109.685,"confidence":0.86192787,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.007333321496844292},{"word":"in","start":109.685,"end":109.845,"confidence":0.97598433,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.005742187611758709},{"word":"regards","start":109.845,"end":110.244995,"confidence":0.9996991,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.0060991523787379265},{"word":"to","start":110.244995,"end":110.325,"confidence":0.9997968,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009887834079563618},{"word":"your","start":110.325,"end":110.485,"confidence":0.9998167,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.008370107971131802},{"word":"work","start":110.485,"end":110.725,"confidence":0.991913,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":0.00533464876934886},{"word":"i","start":110.725,"end":110.805,"confidence":0.99634784,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006240571849048138},{"word":"know","start":110.805,"end":110.965,"confidence":0.99952567,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0048158783465623856},{"word":"you're","start":110.965,"end":111.205,"confidence":0.99508697,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.005819682031869888},{"word":"self","start":111.205,"end":111.525,"confidence":0.9994128,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.015186145901679993},{"word":"employed","start":111.525,"end":112.025,"confidence":0.9995989,"punctuated_word":"employed","sentiment":"neutral","sentiment_score":0.005950683727860451},{"word":"there","start":112.085,"end":112.585,"confidence":0.9968318,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.011369697749614716},{"word":"now","start":113.329994,"end":113.57,"confidence":0.9945564,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.016131684184074402},{"word":"are","start":113.57,"end":113.649994,"confidence":0.9793314,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.016373418271541595},{"word":"you","start":113.649994,"end":113.81,"confidence":0.9999356,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027119843289256096},{"word":"still","start":113.81,"end":114.13,"confidence":0.9996126,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.023847877979278564},{"word":"doing","start":114.13,"end":114.60999,"confidence":0.99993074,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.017439618706703186},{"word":"that","start":114.60999,"end":114.85,"confidence":0.9996043,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.016862140968441963},{"word":"role","start":114.85,"end":115.09,"confidence":0.9910349,"punctuated_word":"role?","sentiment":"neutral","sentiment_score":0.015753306448459625},{"word":"has","start":115.09,"end":115.329994,"confidence":0.7198001,"punctuated_word":"Has","sentiment":"neutral","sentiment_score":-0.0018617063760757448},{"word":"that","start":115.329994,"end":115.57,"confidence":0.9950781,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0004369989037513733},{"word":"changed","start":115.57,"end":115.89,"confidence":0.99948263,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.004168236628174782},{"word":"at","start":115.89,"end":115.96999,"confidence":0.99296784,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.005511462688446045},{"word":"all","start":115.96999,"end":116.46999,"confidence":0.99982834,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.02392511814832687},{"word":"perfect","start":119.49,"end":119.99,"confidence":0.99637747,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.3281155824661255},{"word":"and","start":120.28999,"end":120.53,"confidence":0.9259707,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.028358839452266693},{"word":"then","start":120.53,"end":120.92999,"confidence":0.9983499,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.021445412188768387},{"word":"within","start":120.92999,"end":121.25,"confidence":0.8093036,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.011010684072971344},{"word":"regards","start":121.25,"end":121.41,"confidence":0.9969875,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.02631266601383686},{"word":"to","start":121.41,"end":121.57,"confidence":0.96933895,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02252507209777832},{"word":"that","start":121.57,"end":121.729996,"confidence":0.9996778,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.012582562863826752},{"word":"one","start":121.729996,"end":121.96999,"confidence":0.99890107,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.036996662616729736},{"word":"we","start":121.96999,"end":122.049995,"confidence":0.99986494,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03265383467078209},{"word":"don't","start":122.049995,"end":122.28999,"confidence":0.9999797,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.055774908512830734},{"word":"have","start":122.28999,"end":122.45,"confidence":0.999897,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06110642850399017},{"word":"your","start":122.45,"end":122.689995,"confidence":0.99785465,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.08970355242490768},{"word":"business","start":122.689995,"end":123.009995,"confidence":0.9998246,"punctuated_word":"business","sentiment":"neutral","sentiment_score":-0.08893400430679321},{"word":"name","start":123.009995,"end":123.17,"confidence":0.9998204,"punctuated_word":"name","sentiment":"neutral","sentiment_score":-0.039389315992593765},{"word":"because","start":123.17,"end":123.409996,"confidence":0.91094905,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.040367841720581055},{"word":"you","start":123.409996,"end":123.49,"confidence":0.99885106,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03540089353919029},{"word":"were","start":123.49,"end":123.649994,"confidence":0.7980385,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.03924068808555603},{"word":"sort","start":123.649994,"end":123.89,"confidence":0.98174286,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.032812267541885376},{"word":"of","start":123.89,"end":124.049995,"confidence":0.7890014,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03549642488360405},{"word":"yet","start":124.049995,"end":124.28999,"confidence":0.9840254,"punctuated_word":"yet","sentiment":"neutral","sentiment_score":-0.037552978843450546},{"word":"to","start":124.28999,"end":124.45,"confidence":0.99904364,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.033559560775756836},{"word":"name","start":124.45,"end":124.61,"confidence":0.9998153,"punctuated_word":"name","sentiment":"neutral","sentiment_score":-0.059188589453697205},{"word":"it","start":124.61,"end":124.77,"confidence":0.9938022,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03572023659944534},{"word":"the","start":124.77,"end":124.85,"confidence":0.99810994,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07164760679006577},{"word":"last","start":124.85,"end":125.09,"confidence":0.99988925,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.06176770478487015},{"word":"time","start":125.09,"end":125.25,"confidence":0.99975413,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.05484218895435333},{"word":"it","start":125.25,"end":125.329994,"confidence":0.8993275,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03464796394109726},{"word":"was","start":125.329994,"end":125.56999,"confidence":0.9960995,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.055767931044101715},{"word":"really","start":125.56999,"end":125.729996,"confidence":0.9992918,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.0298575758934021},{"word":"spoken","start":125.729996,"end":126.13,"confidence":0.99952936,"punctuated_word":"spoken","sentiment":"neutral","sentiment_score":-0.033550113439559937},{"word":"about","start":126.13,"end":126.495,"confidence":0.9510063,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":-0.05228777974843979},{"word":"okay","start":128.575,"end":129.075,"confidence":0.9830293,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.017471352592110634},{"word":"still","start":129.615,"end":129.77501,"confidence":0.5476868,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":-0.0024453215301036835},{"word":"no","start":130.175,"end":130.41501,"confidence":0.9537072,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":0.052626609802246094},{"word":"that's","start":130.41501,"end":130.735,"confidence":0.8929266,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.25252318382263184},{"word":"perfectly","start":130.735,"end":131.215,"confidence":0.9961177,"punctuated_word":"perfectly","sentiment":"neutral","sentiment_score":0.2450941801071167},{"word":"fine","start":131.215,"end":131.715,"confidence":0.99881667,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.17989683151245117},{"word":"and","start":132.575,"end":132.815,"confidence":0.81281126,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04890494793653488},{"word":"how","start":132.815,"end":132.975,"confidence":0.99932873,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.023987390100955963},{"word":"long","start":132.975,"end":133.13501,"confidence":0.99995685,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.046701058745384216},{"word":"have","start":133.13501,"end":133.295,"confidence":0.9995722,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0198068730533123},{"word":"you","start":133.295,"end":133.375,"confidence":0.9998754,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04114818572998047},{"word":"been","start":133.375,"end":133.695,"confidence":0.99951804,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.016774015501141548},{"word":"self","start":133.695,"end":134.015,"confidence":0.99962866,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.060224585235118866},{"word":"employed","start":134.015,"end":134.335,"confidence":0.99945337,"punctuated_word":"employed","sentiment":"neutral","sentiment_score":0.03489040583372116},{"word":"now","start":134.335,"end":134.655,"confidence":0.9981394,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.01964660733938217},{"word":"since","start":134.655,"end":134.975,"confidence":0.81009746,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.035855259746313095},{"word":"as","start":135.215,"end":135.455,"confidence":0.9985026,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.030466405674815174},{"word":"opposed","start":135.455,"end":135.77501,"confidence":0.99872524,"punctuated_word":"opposed","sentiment":"neutral","sentiment_score":0.021083690226078033},{"word":"to","start":135.77501,"end":135.855,"confidence":0.93791145,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.021268542855978012},{"word":"like","start":135.855,"end":136.095,"confidence":0.9989332,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02213626727461815},{"word":"industry","start":136.095,"end":136.575,"confidence":0.9945808,"punctuated_word":"industry","sentiment":"neutral","sentiment_score":0.007210776209831238},{"word":"experience","start":136.575,"end":136.975,"confidence":0.9968786,"punctuated_word":"experience","sentiment":"neutral","sentiment_score":-0.0006017237901687622},{"word":"of","start":136.975,"end":137.13501,"confidence":0.5772943,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.0031617339700460434},{"word":"like","start":137.13501,"end":137.295,"confidence":0.99937606,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.010524438694119452},{"word":"other","start":137.295,"end":137.535,"confidence":0.9997962,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.006343606859445572},{"word":"employers","start":137.535,"end":138.035,"confidence":0.9531708,"punctuated_word":"employers?","sentiment":"neutral","sentiment_score":0.016370614990592003},{"word":"so","start":147.06999,"end":147.15,"confidence":0.6187477,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.03918198496103287},{"word":"like","start":147.15,"end":147.39,"confidence":0.99649966,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0378136932849884},{"word":"five","start":147.39,"end":147.62999,"confidence":0.99941564,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.022296320647001263},{"word":"years","start":147.62999,"end":147.87,"confidence":0.99973136,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.014575978741049768},{"word":"out","start":147.87,"end":148.03,"confidence":0.8544768,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.034150995314121246},{"word":"alright","start":148.03,"end":148.26999,"confidence":0.7651192,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.04544548690319061},{"word":"and","start":148.26999,"end":148.43,"confidence":0.9331981,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02123823389410973},{"word":"how","start":148.43,"end":148.59,"confidence":0.9306949,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.017453625798225403},{"word":"long","start":148.59,"end":148.75,"confidence":0.99945825,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.01733626239001751},{"word":"have","start":148.75,"end":148.82999,"confidence":0.52926844,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.015916310250759125},{"word":"you","start":148.82999,"end":148.90999,"confidence":0.9943686,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020207751542329788},{"word":"been","start":148.90999,"end":149.40999,"confidence":0.9411109,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.017769495025277138},{"word":"operating","start":149.62999,"end":149.95,"confidence":0.50911516,"punctuated_word":"operating","sentiment":"neutral","sentiment_score":0.03744601458311081},{"word":"heavy","start":149.95,"end":150.26999,"confidence":0.9991447,"punctuated_word":"heavy","sentiment":"neutral","sentiment_score":0.030669281259179115},{"word":"equipment","start":150.26999,"end":150.76999,"confidence":0.99920106,"punctuated_word":"equipment?","sentiment":"neutral","sentiment_score":0.0267543476074934},{"word":"yep","start":156.495,"end":156.995,"confidence":0.9844941,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21784794330596924},{"word":"perfect","start":157.05501,"end":157.455,"confidence":0.7493685,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.47590702772140503},{"word":"so","start":157.455,"end":157.615,"confidence":0.9608562,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.25471290946006775},{"word":"quite","start":157.615,"end":157.855,"confidence":0.9918806,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.19443011283874512},{"word":"some","start":157.855,"end":158.015,"confidence":0.98739594,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2524196207523346},{"word":"time","start":158.015,"end":158.515,"confidence":0.97124106,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.33399784564971924},{"word":"got","start":158.575,"end":158.735,"confidence":0.5584497,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.22524744272232056},{"word":"a","start":158.735,"end":158.815,"confidence":0.99561334,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12879617512226105},{"word":"bit","start":158.815,"end":158.975,"confidence":0.9957944,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11237218976020812},{"word":"under","start":158.975,"end":159.215,"confidence":0.99918526,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.162378191947937},{"word":"your","start":159.215,"end":159.375,"confidence":0.9996437,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15803930163383484},{"word":"belt","start":159.375,"end":159.875,"confidence":0.85515845,"punctuated_word":"belt.","sentiment":"neutral","sentiment_score":0.1745687574148178},{"word":"right","start":162.41501,"end":162.91501,"confidence":0.70153195,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.08022917807102203},{"word":"and","start":163.295,"end":163.455,"confidence":0.925171,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04004180431365967},{"word":"in","start":163.455,"end":163.775,"confidence":0.62954855,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.043278008699417114},{"word":"terms","start":163.775,"end":164.015,"confidence":0.9997516,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.03739677369594574},{"word":"of","start":164.015,"end":164.175,"confidence":0.9400499,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.03789907321333885},{"word":"like","start":164.175,"end":164.495,"confidence":0.9989985,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.03728111833333969},{"word":"hours","start":164.495,"end":164.735,"confidence":0.99833244,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":0.026552889496088028},{"word":"you're","start":164.735,"end":164.975,"confidence":0.9980016,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.03232254460453987},{"word":"working","start":164.975,"end":165.475,"confidence":0.9999366,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.03251796215772629},{"word":"per","start":166.03,"end":166.34999,"confidence":0.99814415,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.03771489858627319},{"word":"week","start":166.34999,"end":166.84999,"confidence":0.99581856,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.027788976207375526},{"word":"do","start":166.98999,"end":167.15,"confidence":0.99955565,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.020068753510713577},{"word":"you","start":167.15,"end":167.23,"confidence":0.99828595,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026598479598760605},{"word":"know","start":167.23,"end":167.47,"confidence":0.9991947,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.022941002622246746},{"word":"roughly","start":167.47,"end":167.95,"confidence":0.98303115,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.02797183208167553},{"word":"sort","start":167.95,"end":168.11,"confidence":0.9749494,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.033095475286245346},{"word":"of","start":168.11,"end":168.26999,"confidence":0.9997557,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.034362200647592545},{"word":"what","start":168.26999,"end":168.51,"confidence":0.9992798,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.02629564329981804},{"word":"hours","start":168.51,"end":168.83,"confidence":0.9983626,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":0.011673999950289726},{"word":"you're","start":168.83,"end":168.98999,"confidence":0.9981352,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.02193678729236126},{"word":"pulling","start":168.98999,"end":169.39,"confidence":0.99891007,"punctuated_word":"pulling","sentiment":"neutral","sentiment_score":0.02928715944290161},{"word":"each","start":169.39,"end":169.62999,"confidence":0.99895084,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.016047624871134758},{"word":"week","start":169.62999,"end":170.12999,"confidence":0.9984696,"punctuated_word":"week?","sentiment":"neutral","sentiment_score":0.016485925763845444},{"word":"perfect","start":184.125,"end":184.625,"confidence":0.687286,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.29069843888282776},{"word":"and","start":186.765,"end":187.08499,"confidence":0.9671555,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05306107550859451},{"word":"you're","start":187.08499,"end":187.245,"confidence":0.9378871,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.046871401369571686},{"word":"still","start":187.245,"end":187.745,"confidence":0.99981505,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.03824187070131302},{"word":"paying","start":187.885,"end":188.20499,"confidence":0.8998486,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.021603194996714592},{"word":"yourself","start":188.20499,"end":188.525,"confidence":0.999683,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.018957510590553284},{"word":"the","start":188.525,"end":188.605,"confidence":0.9964767,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02017684280872345},{"word":"$1.20","start":188.605,"end":189.165,"confidence":0.9878533,"punctuated_word":"$1.20","sentiment":"neutral","sentiment_score":0.02001504972577095},{"word":"per","start":189.165,"end":189.325,"confidence":0.9970939,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.037007976323366165},{"word":"annum","start":189.325,"end":189.825,"confidence":0.9962039,"punctuated_word":"annum?","sentiment":"neutral","sentiment_score":0.014386918395757675},{"word":"yeah","start":196.78,"end":197.09999,"confidence":0.8600706,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06725335121154785},{"word":"not","start":197.09999,"end":197.34,"confidence":0.64939857,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.17141905426979065},{"word":"a","start":197.34,"end":197.42,"confidence":0.98504055,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06044350191950798},{"word":"problem","start":197.42,"end":197.92,"confidence":0.99378604,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.08367904275655746},{"word":"and","start":199.09999,"end":199.26,"confidence":0.8881429,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03964587673544884},{"word":"then","start":199.26,"end":199.76,"confidence":0.9910507,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.031884800642728806},{"word":"as","start":200.06,"end":200.22,"confidence":0.97519106,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.016079075634479523},{"word":"far","start":200.22,"end":200.45999,"confidence":0.99336123,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.0013630613684654236},{"word":"as","start":200.45999,"end":200.7,"confidence":0.9911758,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.007381215691566467},{"word":"your","start":200.7,"end":201.18,"confidence":0.935629,"punctuated_word":"your,","sentiment":"neutral","sentiment_score":-0.0094134584069252},{"word":"like","start":201.18,"end":201.5,"confidence":0.99294794,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.001156821846961975},{"word":"savings","start":201.5,"end":201.9,"confidence":0.9922849,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":-0.021015584468841553},{"word":"and","start":201.9,"end":202.06,"confidence":0.914846,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02064264565706253},{"word":"expenditures","start":202.06,"end":202.485,"confidence":0.8978785,"punctuated_word":"expenditures","sentiment":"neutral","sentiment_score":-0.0010181888937950134},{"word":"go","start":202.565,"end":202.725,"confidence":0.99634093,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":-0.005223345011472702},{"word":"do","start":202.725,"end":202.805,"confidence":0.9994741,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.014314979314804075},{"word":"you","start":202.805,"end":202.885,"confidence":0.99688786,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.022870074957609177},{"word":"know","start":202.885,"end":203.205,"confidence":0.9947038,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.027498986572027206},{"word":"roughly","start":203.205,"end":203.605,"confidence":0.98120797,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":-0.035444483160972595},{"word":"obviously","start":203.685,"end":204.085,"confidence":0.9985639,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.031919412314891815},{"word":"you","start":204.085,"end":204.165,"confidence":0.99636936,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03400114178657532},{"word":"know","start":204.165,"end":204.325,"confidence":0.9986428,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.03631085902452469},{"word":"with","start":204.325,"end":204.565,"confidence":0.99974173,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0639035552740097},{"word":"the","start":204.565,"end":204.80501,"confidence":0.9998272,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06038033217191696},{"word":"the","start":204.80501,"end":204.965,"confidence":0.9845308,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05686594918370247},{"word":"build","start":204.965,"end":205.205,"confidence":0.6900956,"punctuated_word":"build","sentiment":"neutral","sentiment_score":-0.03932632505893707},{"word":"on","start":205.205,"end":205.365,"confidence":0.9992762,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06874328851699829},{"word":"the","start":205.365,"end":205.525,"confidence":0.9993229,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05951080843806267},{"word":"land","start":205.525,"end":205.765,"confidence":0.9930345,"punctuated_word":"land","sentiment":"neutral","sentiment_score":-0.028135977685451508},{"word":"and","start":205.765,"end":205.845,"confidence":0.99895966,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.054852649569511414},{"word":"things","start":205.845,"end":206.085,"confidence":0.99992514,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.07384667545557022},{"word":"like","start":206.085,"end":206.165,"confidence":0.99947065,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0753704309463501},{"word":"that","start":206.165,"end":206.485,"confidence":0.9917749,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.06372880935668945},{"word":"things","start":206.485,"end":206.645,"confidence":0.9995975,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.14063450694084167},{"word":"are","start":206.645,"end":206.805,"confidence":0.99645835,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1441269814968109},{"word":"probably","start":206.805,"end":207.045,"confidence":0.9992095,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.1588503271341324},{"word":"a","start":207.045,"end":207.125,"confidence":0.9995351,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15606990456581116},{"word":"little","start":207.125,"end":207.285,"confidence":0.999915,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.1466212421655655},{"word":"bit","start":207.285,"end":207.445,"confidence":0.9996476,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.17740345001220703},{"word":"more","start":207.445,"end":207.605,"confidence":0.99988043,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.20700962841510773},{"word":"stretched","start":207.605,"end":207.845,"confidence":0.97822523,"punctuated_word":"stretched","sentiment":"neutral","sentiment_score":-0.14551633596420288},{"word":"than","start":207.845,"end":208.085,"confidence":0.99782264,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.17339754104614258},{"word":"usual","start":208.085,"end":208.485,"confidence":0.78148437,"punctuated_word":"usual.","sentiment":"neutral","sentiment_score":-0.11372297257184982},{"word":"but","start":208.485,"end":208.805,"confidence":0.99867576,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.01964646577835083},{"word":"do","start":208.805,"end":208.885,"confidence":0.99553007,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.01918274536728859},{"word":"you","start":208.885,"end":208.965,"confidence":0.99933857,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.013649862259626389},{"word":"know","start":208.965,"end":209.205,"confidence":0.9994165,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.024219341576099396},{"word":"roughly","start":209.205,"end":209.445,"confidence":0.9853337,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":-0.012190867215394974},{"word":"what","start":209.445,"end":209.605,"confidence":0.9996586,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.00917750597000122},{"word":"your","start":209.605,"end":209.845,"confidence":0.9958326,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.034928277134895325},{"word":"expenditures","start":209.845,"end":210.345,"confidence":0.87432945,"punctuated_word":"expenditures","sentiment":"neutral","sentiment_score":-0.020741302520036697},{"word":"and","start":210.565,"end":210.805,"confidence":0.9812579,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03459727764129639},{"word":"savings","start":210.805,"end":211.305,"confidence":0.99911326,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":-0.03846384957432747},{"word":"are","start":211.365,"end":211.605,"confidence":0.98981535,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.014317769557237623},{"word":"per","start":211.605,"end":211.765,"confidence":0.998145,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.019022513180971146},{"word":"week","start":211.765,"end":212.265,"confidence":0.99347085,"punctuated_word":"week?","sentiment":"neutral","sentiment_score":-0.024832066148519516},{"word":"you","start":231.875,"end":232.035,"confidence":0.653177,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.14751261472702026},{"word":"don't","start":232.035,"end":232.19499,"confidence":0.9993941,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1273804008960724},{"word":"have","start":232.19499,"end":232.355,"confidence":0.99972767,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.13611872494220734},{"word":"a","start":232.355,"end":232.435,"confidence":0.9986394,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1545904278755188},{"word":"set","start":232.435,"end":232.675,"confidence":0.9931646,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.16343145072460177},{"word":"amount","start":232.675,"end":232.915,"confidence":0.99987984,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.14269495010375977},{"word":"that","start":232.915,"end":232.995,"confidence":0.63345534,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14133724570274353},{"word":"you're","start":232.995,"end":233.235,"confidence":0.87400055,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.14509016275405884},{"word":"sort","start":233.235,"end":233.315,"confidence":0.99404365,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.13564032316207886},{"word":"of","start":233.315,"end":233.395,"confidence":0.9779283,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.166750967502594},{"word":"trying","start":233.395,"end":233.635,"confidence":0.9982646,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.16505712270736694},{"word":"to","start":233.635,"end":233.715,"confidence":0.99842995,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15691092610359192},{"word":"put","start":233.715,"end":233.875,"confidence":0.9998092,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.12675729393959043},{"word":"away","start":233.875,"end":233.955,"confidence":0.9997632,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.117267943918705},{"word":"in","start":233.955,"end":234.115,"confidence":0.9940889,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1266628056764603},{"word":"a","start":234.115,"end":234.275,"confidence":0.9256057,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1252712607383728},{"word":"savings","start":234.275,"end":234.675,"confidence":0.99672914,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":-0.15109258890151978},{"word":"account","start":234.675,"end":234.83499,"confidence":0.9986731,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.0888424813747406},{"word":"or","start":234.83499,"end":234.995,"confidence":0.9667937,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07322730123996735},{"word":"an","start":234.995,"end":235.075,"confidence":0.9478682,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.07151275128126144},{"word":"offset","start":235.075,"end":235.395,"confidence":0.95272,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":-0.09043075144290924},{"word":"account","start":235.395,"end":235.635,"confidence":0.89228106,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":-0.08970022201538086},{"word":"i","start":235.635,"end":235.715,"confidence":0.9890644,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06083790957927704},{"word":"think","start":235.715,"end":236.215,"confidence":0.6789634,"punctuated_word":"think?","sentiment":"neutral","sentiment_score":-0.05671810731291771},{"word":"yep","start":244.61,"end":245.11,"confidence":0.8050953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03535347431898117},{"word":"and","start":245.17,"end":245.41,"confidence":0.9736041,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.012354344129562378},{"word":"did","start":245.41,"end":245.56999,"confidence":0.8473359,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.002319883555173874},{"word":"your","start":245.56999,"end":245.73,"confidence":0.980416,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.00825781375169754},{"word":"partner","start":245.73,"end":246.05,"confidence":0.99920124,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.017132561653852463},{"word":"deal","start":246.05,"end":246.20999,"confidence":0.96995825,"punctuated_word":"deal","sentiment":"neutral","sentiment_score":0.01923300325870514},{"word":"with","start":246.20999,"end":246.37,"confidence":0.94056976,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.0030844546854496},{"word":"like","start":246.37,"end":246.45,"confidence":0.9994874,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.011505385860800745},{"word":"the","start":246.45,"end":246.61,"confidence":0.99668854,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017604704946279526},{"word":"household","start":246.61,"end":247.09,"confidence":0.9996458,"punctuated_word":"household","sentiment":"neutral","sentiment_score":0.007134057581424713},{"word":"expenses","start":247.09,"end":247.59,"confidence":0.99901354,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.02505720779299736},{"word":"type","start":247.65,"end":247.89,"confidence":0.98499644,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.008872535079717636},{"word":"deal","start":247.89,"end":248.05,"confidence":0.9927005,"punctuated_word":"deal","sentiment":"neutral","sentiment_score":0.021362636238336563},{"word":"and","start":248.05,"end":248.29,"confidence":0.568592,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.001970795914530754},{"word":"you're","start":248.29,"end":248.45,"confidence":0.759738,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.012389905750751495},{"word":"just","start":248.45,"end":248.69,"confidence":0.99950635,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.009908970445394516},{"word":"putting","start":248.69,"end":248.93,"confidence":0.97370696,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.013854088261723518},{"word":"yeah","start":249.25,"end":249.75,"confidence":0.9645287,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0020029600709676743},{"word":"yep","start":263.81998,"end":264.3,"confidence":0.79255223,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.033179283142089844},{"word":"not","start":264.3,"end":264.53998,"confidence":0.9901433,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.17670896649360657},{"word":"a","start":264.53998,"end":264.78,"confidence":0.9993599,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05324361473321915},{"word":"problem","start":264.78,"end":265.28,"confidence":0.9992724,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.26626676321029663},{"word":"and","start":266.13998,"end":266.37997,"confidence":0.8423678,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1105562299489975},{"word":"in","start":266.37997,"end":266.53998,"confidence":0.99407417,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10594427585601808},{"word":"terms","start":266.53998,"end":266.93997,"confidence":0.9999653,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.05353791266679764},{"word":"of","start":266.93997,"end":267.18,"confidence":0.9998355,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1391659677028656},{"word":"super","start":267.18,"end":267.58,"confidence":0.89177954,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.20253562927246097},{"word":"guarantee","start":267.58,"end":268.06,"confidence":0.8872931,"punctuated_word":"guarantee,","sentiment":"neutral","sentiment_score":0.1321972906589508},{"word":"now","start":268.06,"end":268.3,"confidence":0.99323434,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.0528903603553772},{"word":"i","start":268.3,"end":268.37997,"confidence":0.97449476,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.060129135847091675},{"word":"know","start":268.37997,"end":268.69998,"confidence":0.9968059,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0406816229224205},{"word":"at","start":268.69998,"end":268.86,"confidence":0.92062825,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.039974313229322433},{"word":"one","start":268.86,"end":269.02,"confidence":0.99975497,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.03461555391550064},{"word":"point","start":269.02,"end":269.34,"confidence":0.99990845,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.03721342608332634},{"word":"you","start":269.34,"end":269.5,"confidence":0.7204715,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020518489181995392},{"word":"were","start":269.5,"end":269.81998,"confidence":0.92101264,"punctuated_word":"were,","sentiment":"neutral","sentiment_score":0.02249297127127647},{"word":"like","start":269.81998,"end":270.13998,"confidence":0.9941736,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.03884360194206238},{"word":"sort","start":270.13998,"end":270.21997,"confidence":0.9995617,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.023093514144420624},{"word":"of","start":270.21997,"end":270.37997,"confidence":0.9780149,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05464703589677811},{"word":"doing","start":270.37997,"end":270.62,"confidence":0.9868413,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.0579020231962204},{"word":"20,000","start":270.62,"end":271.25998,"confidence":0.99975413,"punctuated_word":"20,000","sentiment":"neutral","sentiment_score":0.1063101887702942},{"word":"per","start":271.25998,"end":271.5,"confidence":0.99533075,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.13338711857795715},{"word":"annum","start":271.5,"end":272.0,"confidence":0.99464214,"punctuated_word":"annum","sentiment":"neutral","sentiment_score":0.1020277738571167},{"word":"as","start":272.06,"end":272.3,"confidence":0.8961872,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":0.04669025540351868},{"word":"like","start":272.3,"end":272.62,"confidence":0.9988507,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02964359149336815},{"word":"lump","start":272.62,"end":272.86,"confidence":0.998749,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.1234990805387497},{"word":"sum","start":272.86,"end":273.09998,"confidence":0.9984433,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.10807828605175018},{"word":"concessional","start":273.09998,"end":273.59998,"confidence":0.9918778,"punctuated_word":"concessional","sentiment":"neutral","sentiment_score":0.14888805150985718},{"word":"contributions","start":273.74,"end":274.24,"confidence":0.993659,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.07475261390209198},{"word":"are","start":274.53998,"end":274.78,"confidence":0.99091035,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.0032274872064590454},{"word":"you","start":274.78,"end":275.02,"confidence":0.98435783,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03362197056412697},{"word":"planning","start":275.02,"end":275.34,"confidence":0.9995466,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.05745379626750946},{"word":"on","start":275.34,"end":275.5,"confidence":0.99963844,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03739244490861893},{"word":"starting","start":275.5,"end":275.81998,"confidence":0.9953016,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":0.020674459636211395},{"word":"those","start":275.81998,"end":276.06,"confidence":0.99941206,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1172330528497696},{"word":"back","start":276.06,"end":276.3,"confidence":0.9835789,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.012697339057922363},{"word":"up","start":276.3,"end":276.53998,"confidence":0.99945074,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.002875976264476776},{"word":"at","start":276.53998,"end":276.62,"confidence":0.9991019,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.001621827483177185},{"word":"all","start":276.62,"end":276.86,"confidence":0.72284496,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":0.02479653991758823},{"word":"or","start":276.86,"end":277.09998,"confidence":0.9975752,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.011482629925012589},{"word":"are","start":277.09998,"end":277.18,"confidence":0.74182415,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.006866376847028732},{"word":"you","start":277.18,"end":277.68,"confidence":0.9956553,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.028345540165901184},{"word":"okay","start":289.93,"end":290.43,"confidence":0.8076067,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.035259030759334564},{"word":"yeah","start":298.72998,"end":298.97,"confidence":0.9549625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1627202033996582},{"word":"because","start":298.97,"end":299.21,"confidence":0.84353423,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":0.08489863574504852},{"word":"obviously","start":299.21,"end":299.53,"confidence":0.9992444,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.1090477928519249},{"word":"that","start":299.53,"end":299.77,"confidence":0.9984509,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16592547297477722},{"word":"does","start":299.77,"end":299.93,"confidence":0.9998878,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.17855829000473022},{"word":"make","start":299.93,"end":300.09,"confidence":0.9996731,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.16984637081623075},{"word":"a","start":300.09,"end":300.16998,"confidence":0.99838877,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18157069385051727},{"word":"difference","start":300.16998,"end":300.56998,"confidence":0.99982506,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.08646278083324432},{"word":"in","start":300.56998,"end":300.65,"confidence":0.99956924,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1689988523721695},{"word":"regards","start":300.65,"end":301.05,"confidence":0.99733174,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.12544621527194977},{"word":"to","start":301.05,"end":301.21,"confidence":0.99954516,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24318024516105652},{"word":"your","start":301.21,"end":301.37,"confidence":0.96188647,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2267137914896011},{"word":"superannuation","start":301.37,"end":301.87,"confidence":0.9969226,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.2054586410522461},{"word":"like","start":302.33,"end":302.56998,"confidence":0.80267817,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.0988086611032486},{"word":"obviously","start":302.56998,"end":303.05,"confidence":0.998459,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.10103966295719148},{"word":"you've","start":303.05,"end":303.21,"confidence":0.9997792,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1589275449514389},{"word":"got","start":303.21,"end":303.44998,"confidence":0.999744,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14132556319236755},{"word":"nice","start":303.44998,"end":303.69,"confidence":0.8788159,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.3258397877216339},{"word":"amount","start":303.69,"end":304.00998,"confidence":0.9950695,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.17903929948806763},{"word":"of","start":304.00998,"end":304.16998,"confidence":0.99954516,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17400911450386047},{"word":"assets","start":304.16998,"end":304.56998,"confidence":0.9679546,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.07447575032711029},{"word":"outside","start":304.56998,"end":305.05,"confidence":0.9963062,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.14185096323490143},{"word":"of","start":305.05,"end":305.415,"confidence":0.9991786,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0893954262137413},{"word":"superannuation","start":305.975,"end":306.475,"confidence":0.9932297,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.09115371108055116},{"word":"from","start":306.855,"end":307.095,"confidence":0.8437165,"punctuated_word":"from,","sentiment":"neutral","sentiment_score":0.0852462500333786},{"word":"like","start":307.095,"end":307.415,"confidence":0.9987037,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.09752245992422104},{"word":"being","start":307.415,"end":307.655,"confidence":0.99968874,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.1239566206932068},{"word":"self","start":307.655,"end":307.89502,"confidence":0.9997396,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.2148641049861908},{"word":"employed","start":307.89502,"end":308.215,"confidence":0.99900466,"punctuated_word":"employed","sentiment":"neutral","sentiment_score":0.1226694881916046},{"word":"and","start":308.215,"end":308.295,"confidence":0.99454767,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14112740755081177},{"word":"being","start":308.295,"end":308.535,"confidence":0.99975806,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.14926959574222565},{"word":"able","start":308.535,"end":308.695,"confidence":0.99988115,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.25776755809783936},{"word":"to","start":308.695,"end":308.855,"confidence":0.9987061,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2516286075115204},{"word":"contribute","start":308.855,"end":309.055,"confidence":0.99994934,"punctuated_word":"contribute","sentiment":"neutral","sentiment_score":0.13702581822872162},{"word":"a","start":309.055,"end":309.255,"confidence":0.99986255,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27708807587623596},{"word":"lot","start":309.255,"end":309.415,"confidence":0.9999558,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.31924116611480713},{"word":"more","start":309.415,"end":309.575,"confidence":0.9994704,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.25464725494384766},{"word":"of","start":309.575,"end":309.655,"confidence":0.99692106,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19202882051467896},{"word":"that","start":309.655,"end":309.815,"confidence":0.9997633,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1898033171892166},{"word":"money","start":309.815,"end":310.05502,"confidence":0.99978405,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.16426721215248108},{"word":"towards","start":310.05502,"end":310.45502,"confidence":0.9965061,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.18207085132598877},{"word":"those","start":310.45502,"end":310.695,"confidence":0.91138935,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.22976496815681455},{"word":"sort","start":310.695,"end":310.935,"confidence":0.9578392,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04206523299217224},{"word":"of","start":310.935,"end":311.33502,"confidence":0.9955642,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12716281414031982},{"word":"assets","start":311.33502,"end":311.73502,"confidence":0.98108083,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.12517178058624268},{"word":"paying","start":311.73502,"end":311.975,"confidence":0.88089,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.1619822382926941},{"word":"off","start":311.975,"end":312.05502,"confidence":0.99679714,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.03928770124912262},{"word":"the","start":312.05502,"end":312.215,"confidence":0.99048436,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009970903396606444},{"word":"mortgage","start":312.215,"end":312.61502,"confidence":0.9997677,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.02047114074230194},{"word":"investment","start":312.61502,"end":313.015,"confidence":0.5225458,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.0003311634063720703},{"word":"property","start":313.015,"end":313.415,"confidence":0.93594396,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.028631340712308884},{"word":"things","start":313.415,"end":313.655,"confidence":0.998933,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.03177589178085327},{"word":"like","start":313.655,"end":313.815,"confidence":0.998632,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.035459622740745544},{"word":"that","start":313.815,"end":313.975,"confidence":0.9997993,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06884254515171051},{"word":"as","start":313.975,"end":314.135,"confidence":0.99827063,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07114676386117935},{"word":"well","start":314.135,"end":314.635,"confidence":0.95648587,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1025446206331253},{"word":"but","start":315.73502,"end":316.055,"confidence":0.93980813,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03594931215047836},{"word":"it","start":316.055,"end":316.135,"confidence":0.9988952,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09704750031232834},{"word":"does","start":316.135,"end":316.45502,"confidence":0.9977563,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.12958748638629913},{"word":"sort","start":316.45502,"end":316.695,"confidence":0.9899011,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.20454902946949005},{"word":"of","start":316.695,"end":316.775,"confidence":0.98119533,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.1625300645828247},{"word":"you","start":316.775,"end":316.935,"confidence":0.99970156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1864103376865387},{"word":"know","start":316.935,"end":317.255,"confidence":0.99989825,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.182065024971962},{"word":"affect","start":317.255,"end":317.655,"confidence":0.99709725,"punctuated_word":"affect","sentiment":"neutral","sentiment_score":-0.08562606573104858},{"word":"your","start":317.655,"end":317.89502,"confidence":0.95526683,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1119181513786316},{"word":"your","start":317.89502,"end":318.135,"confidence":0.94726217,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1353309005498886},{"word":"balance","start":318.135,"end":318.535,"confidence":0.9997701,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.2019437551498413},{"word":"and","start":318.535,"end":318.695,"confidence":0.9737259,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0639035552740097},{"word":"how","start":318.695,"end":318.935,"confidence":0.999938,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.05554930865764618},{"word":"that","start":318.935,"end":319.095,"confidence":0.9996252,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12680640816688538},{"word":"does","start":319.095,"end":319.415,"confidence":0.9997429,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.047055795788764954},{"word":"grow","start":319.415,"end":319.655,"confidence":0.9996051,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.031492769718170166},{"word":"as","start":319.655,"end":319.815,"confidence":0.9997451,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.04463498294353485},{"word":"well","start":319.815,"end":320.055,"confidence":0.99992883,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.010487034916877748},{"word":"if","start":320.055,"end":320.295,"confidence":0.8875456,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.15353626012802124},{"word":"you're","start":320.295,"end":320.45502,"confidence":0.9999336,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.08890142291784286},{"word":"not","start":320.45502,"end":320.85,"confidence":0.9998235,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04259394854307175},{"word":"contributing","start":321.09,"end":321.59,"confidence":0.9991007,"punctuated_word":"contributing","sentiment":"neutral","sentiment_score":-0.024092458188533783},{"word":"to","start":321.81,"end":321.97,"confidence":0.99627614,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.015962831676006317},{"word":"to","start":321.97,"end":322.13,"confidence":0.8271851,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04721284657716751},{"word":"superannuation","start":322.13,"end":322.63,"confidence":0.9502055,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.11168460547924042},{"word":"that's","start":323.41,"end":323.73,"confidence":0.86612284,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3441793918609619},{"word":"that's","start":323.73,"end":324.13,"confidence":0.9991467,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.3611869215965271},{"word":"fine","start":324.13,"end":324.63,"confidence":0.9988899,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.3297823965549469},{"word":"i'll","start":325.09,"end":325.25,"confidence":0.9801526,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.32833239436149597},{"word":"leave","start":325.25,"end":325.49002,"confidence":0.9998179,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.30385664105415344},{"word":"that","start":325.49002,"end":325.65,"confidence":0.9999298,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.30750977993011475},{"word":"with","start":325.65,"end":325.81,"confidence":0.9997402,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.25490742921829224},{"word":"you","start":325.81,"end":325.97,"confidence":0.99976045,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3586491048336029},{"word":"in","start":325.97,"end":326.05002,"confidence":0.6593085,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.27253156900405884},{"word":"your","start":326.05002,"end":326.21,"confidence":0.99388885,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3020418882369995},{"word":"meeting","start":326.21,"end":326.45,"confidence":0.999073,"punctuated_word":"meeting","sentiment":"neutral","sentiment_score":0.29979056119918823},{"word":"with","start":326.45,"end":326.53,"confidence":0.9963715,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.32404929399490356},{"word":"the","start":326.53,"end":326.61002,"confidence":0.89811283,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3174467980861664},{"word":"account","start":326.61002,"end":326.93,"confidence":0.9161593,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.28131788969039917},{"word":"and","start":326.93,"end":327.01,"confidence":0.6913417,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2326711863279343},{"word":"if","start":327.01,"end":327.25,"confidence":0.9888024,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2759043574333191},{"word":"you're","start":327.25,"end":327.41,"confidence":0.6846167,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.22742924094200137},{"word":"just","start":327.41,"end":327.65,"confidence":0.54467756,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2036819159984589},{"word":"sort","start":327.65,"end":327.81,"confidence":0.9875732,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.13575635850429535},{"word":"of","start":327.81,"end":328.31,"confidence":0.9993186,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21234317123889923},{"word":"planning","start":328.85,"end":329.17,"confidence":0.6809933,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.17437124252319336},{"word":"on","start":329.17,"end":329.33002,"confidence":0.9910528,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.26819726824760437},{"word":"do","start":329.33002,"end":329.65,"confidence":0.75866324,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1808470189571381},{"word":"it","start":329.65,"end":330.15,"confidence":0.99910283,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2017848789691925},{"word":"as","start":330.37,"end":330.61002,"confidence":0.96108043,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2521938383579254},{"word":"well","start":330.61002,"end":330.85,"confidence":0.99610615,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.24410170316696167},{"word":"you","start":330.85,"end":330.93,"confidence":0.9985831,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2917960286140442},{"word":"can","start":330.93,"end":331.17,"confidence":0.99978036,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2710551619529724},{"word":"obviously","start":331.17,"end":331.41,"confidence":0.9607795,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.27468544244766235},{"word":"do","start":331.41,"end":331.57,"confidence":0.9989004,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.191910520195961},{"word":"the","start":331.57,"end":331.65,"confidence":0.99429435,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24821767210960388},{"word":"concession","start":331.65,"end":332.13,"confidence":0.553825,"punctuated_word":"concession","sentiment":"neutral","sentiment_score":0.15351422131061554},{"word":"and","start":332.13,"end":332.29,"confidence":0.945764,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2065546214580536},{"word":"claim","start":332.29,"end":332.61002,"confidence":0.9982975,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.1777334064245224},{"word":"that","start":332.61002,"end":332.77002,"confidence":0.97573674,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2061794400215149},{"word":"notice","start":332.77002,"end":333.09,"confidence":0.99047583,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.12767982482910156},{"word":"of","start":333.09,"end":333.17,"confidence":0.90677476,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12283902615308762},{"word":"intent","start":333.17,"end":333.57,"confidence":0.74581236,"punctuated_word":"intent,","sentiment":"neutral","sentiment_score":0.056415945291519165},{"word":"but","start":333.57,"end":333.73,"confidence":0.9339454,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.18303611874580383},{"word":"he'll","start":333.73,"end":334.13,"confidence":0.9761181,"punctuated_word":"he'll","sentiment":"neutral","sentiment_score":0.18631476163864136},{"word":"know","start":334.13,"end":334.37,"confidence":0.9991991,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1555977761745453},{"word":"all","start":334.37,"end":334.53,"confidence":0.9943533,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.14432156085968018},{"word":"about","start":334.53,"end":334.77002,"confidence":0.9994035,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0726616233587265},{"word":"that","start":334.77002,"end":335.01,"confidence":0.99986017,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13150222599506378},{"word":"as","start":335.01,"end":335.25,"confidence":0.9996625,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20572775602340695},{"word":"well","start":335.25,"end":335.75,"confidence":0.9995476,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.17978417873382568},{"word":"perfect","start":338.205,"end":338.705,"confidence":0.99496853,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5983860492706299},{"word":"and","start":339.245,"end":339.485,"confidence":0.88607156,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14804765582084656},{"word":"then","start":339.485,"end":339.725,"confidence":0.99908507,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12450763583183289},{"word":"as","start":339.725,"end":339.805,"confidence":0.99726856,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0694117397069931},{"word":"far","start":339.805,"end":340.04498,"confidence":0.9998411,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.07473482191562653},{"word":"as","start":340.04498,"end":340.285,"confidence":0.9985662,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07804849743843079},{"word":"the","start":340.285,"end":340.525,"confidence":0.9985953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1155436560511589},{"word":"assets","start":340.525,"end":340.76498,"confidence":0.9878528,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.004792645573616028},{"word":"and","start":340.76498,"end":340.925,"confidence":0.975299,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03690649569034576},{"word":"liabilities","start":340.925,"end":341.405,"confidence":0.67852503,"punctuated_word":"liabilities,","sentiment":"neutral","sentiment_score":0.039320461452007294},{"word":"you","start":341.405,"end":341.485,"confidence":0.8499179,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06941809505224228},{"word":"know","start":341.485,"end":341.645,"confidence":0.9482713,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.11176872253417967},{"word":"it's","start":341.645,"end":341.725,"confidence":0.63655394,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1126798614859581},{"word":"updated","start":341.725,"end":342.225,"confidence":0.9224865,"punctuated_word":"updated.","sentiment":"neutral","sentiment_score":0.13592727482318878},{"word":"so","start":342.365,"end":342.685,"confidence":0.99954695,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09906569123268127},{"word":"the","start":342.685,"end":342.925,"confidence":0.9986891,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11678067594766615},{"word":"house","start":342.925,"end":343.16498,"confidence":0.99833626,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.17491266131401062},{"word":"is","start":343.16498,"end":343.32498,"confidence":0.99662364,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0798519030213356},{"word":"worth","start":343.32498,"end":343.565,"confidence":0.9984616,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.12440621107816696},{"word":"around","start":343.565,"end":343.805,"confidence":0.9990984,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.15827302634716034},{"word":"400","start":343.805,"end":344.365,"confidence":0.9997752,"punctuated_word":"400","sentiment":"neutral","sentiment_score":0.18340173363685608},{"word":"with","start":344.365,"end":344.76498,"confidence":0.996409,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.052852921187877655},{"word":"no","start":344.76498,"end":345.26498,"confidence":0.9997181,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.0708661675453186},{"word":"no","start":345.485,"end":345.725,"confidence":0.9752163,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.1525188535451889},{"word":"mortgage","start":345.725,"end":346.205,"confidence":0.9685042,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.21909545361995697},{"word":"left","start":346.205,"end":346.445,"confidence":0.77522886,"punctuated_word":"left","sentiment":"neutral","sentiment_score":-0.10509105026721954},{"word":"on","start":346.445,"end":346.525,"confidence":0.9978517,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03961515426635742},{"word":"that","start":346.525,"end":346.685,"confidence":0.9994522,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.008772999048233032},{"word":"one","start":346.685,"end":347.185,"confidence":0.79010046,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.016096021980047226},{"word":"yeah","start":350.22,"end":350.46002,"confidence":0.9773436,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0008350033313035965},{"word":"the","start":350.46002,"end":350.62,"confidence":0.99906737,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.03659795969724655},{"word":"old","start":350.62,"end":350.86002,"confidence":0.9978187,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.07023551315069199},{"word":"primary","start":350.86002,"end":351.36002,"confidence":0.9912606,"punctuated_word":"primary.","sentiment":"neutral","sentiment_score":-0.013142546638846396},{"word":"yep","start":359.66,"end":359.9,"confidence":0.9366261,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.027340471744537354},{"word":"and","start":359.9,"end":360.14,"confidence":0.99949956,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0150996595621109},{"word":"is","start":360.14,"end":360.22,"confidence":0.9994394,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05542849004268646},{"word":"that","start":360.22,"end":360.38,"confidence":0.99985397,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.032417550683021545},{"word":"now","start":360.38,"end":360.54,"confidence":0.9991818,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.09631097316741943},{"word":"an","start":360.54,"end":360.7,"confidence":0.9991773,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.1293790340423584},{"word":"investment","start":360.7,"end":361.18,"confidence":0.9998561,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.1435406506061554},{"word":"property","start":361.18,"end":361.5,"confidence":0.99987066,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.1300015151500702},{"word":"like","start":361.5,"end":361.66,"confidence":0.44184983,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.1912378966808319},{"word":"you're","start":361.66,"end":361.82,"confidence":0.995302,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.17030036449432373},{"word":"not","start":361.82,"end":361.98,"confidence":0.9996351,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.15467357635498047},{"word":"living","start":361.98,"end":362.22,"confidence":0.9967397,"punctuated_word":"living","sentiment":"neutral","sentiment_score":-0.1529269814491272},{"word":"in","start":362.22,"end":362.38,"confidence":0.9183168,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13852709531784058},{"word":"anymore","start":362.38,"end":362.88,"confidence":0.9938123,"punctuated_word":"anymore?","sentiment":"neutral","sentiment_score":-0.1447814255952835},{"word":"yep","start":370.64502,"end":371.125,"confidence":0.9947998,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08676785230636597},{"word":"and","start":371.125,"end":371.36502,"confidence":0.99837756,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09505078196525574},{"word":"then","start":371.36502,"end":371.845,"confidence":0.9996402,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08625143021345139},{"word":"as","start":371.845,"end":372.08502,"confidence":0.9975683,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07552017271518707},{"word":"far","start":372.08502,"end":372.325,"confidence":0.9998392,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.06006910651922226},{"word":"as","start":372.325,"end":372.565,"confidence":0.9699407,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":0.06666632741689682},{"word":"like","start":372.565,"end":372.80502,"confidence":0.9994745,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.09291321039199828},{"word":"the","start":372.80502,"end":372.96503,"confidence":0.9996604,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16674886643886566},{"word":"land","start":372.96503,"end":373.20502,"confidence":0.91019636,"punctuated_word":"land","sentiment":"neutral","sentiment_score":0.2503684461116791},{"word":"you","start":373.20502,"end":373.285,"confidence":0.99949145,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12483016401529312},{"word":"had","start":373.285,"end":373.445,"confidence":0.99706143,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.1834663599729538},{"word":"in","start":373.445,"end":373.605,"confidence":0.9447887,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17612393200397491},{"word":"that","start":373.605,"end":373.765,"confidence":0.999198,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1938386857509613},{"word":"build","start":373.765,"end":374.08502,"confidence":0.96870327,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.18102678656578064},{"word":"there","start":374.08502,"end":374.325,"confidence":0.9882463,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.15858924388885498},{"word":"that's","start":374.325,"end":374.64502,"confidence":0.9692198,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.25063419342041016},{"word":"all","start":374.64502,"end":374.885,"confidence":0.99954116,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.251644104719162},{"word":"finalized","start":374.885,"end":375.20502,"confidence":0.9967636,"punctuated_word":"finalized","sentiment":"neutral","sentiment_score":0.2928427457809448},{"word":"now","start":375.20502,"end":375.285,"confidence":0.8124667,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.2157665491104126},{"word":"and","start":375.285,"end":375.445,"confidence":0.99929357,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16757896542549133},{"word":"you're","start":375.445,"end":375.605,"confidence":0.9994019,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.14209473133087158},{"word":"living","start":375.605,"end":375.845,"confidence":0.9995272,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.1883920133113861},{"word":"in","start":375.845,"end":375.92502,"confidence":0.99983764,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1898886114358902},{"word":"that","start":375.92502,"end":376.08502,"confidence":0.9998976,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18770042061805725},{"word":"one","start":376.08502,"end":376.325,"confidence":0.99990237,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.14647404849529266},{"word":"currently","start":376.325,"end":376.825,"confidence":0.9944474,"punctuated_word":"currently?","sentiment":"neutral","sentiment_score":0.092415913939476},{"word":"yep","start":378.47,"end":378.79,"confidence":0.88996077,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13877953588962555},{"word":"and","start":378.79,"end":379.03,"confidence":0.9989386,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07039538025856018},{"word":"do","start":379.03,"end":379.11002,"confidence":0.99231225,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0452447384595871},{"word":"you","start":379.11002,"end":379.19,"confidence":0.9997751,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06289318203926086},{"word":"know","start":379.19,"end":379.35,"confidence":0.9994511,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.05736590921878815},{"word":"roughly","start":379.35,"end":379.67,"confidence":0.9925713,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.0687418282032013},{"word":"what","start":379.67,"end":379.83002,"confidence":0.99984527,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.045586325228214264},{"word":"that","start":379.83002,"end":379.91,"confidence":0.99975353,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11937470734119417},{"word":"one's","start":379.91,"end":380.15002,"confidence":0.99684167,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":0.0649469643831253},{"word":"worth","start":380.15002,"end":380.47,"confidence":0.99983835,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.045293815433979034},{"word":"now","start":380.47,"end":380.97,"confidence":0.9991265,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.0693141371011734},{"word":"close","start":395.925,"end":396.165,"confidence":0.62768674,"punctuated_word":"Close","sentiment":"neutral","sentiment_score":0.06861463934183121},{"word":"to","start":396.165,"end":396.405,"confidence":0.9976858,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13088484108448029},{"word":"a","start":396.405,"end":396.485,"confidence":0.384569,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0871078372001648},{"word":"yep","start":397.205,"end":397.705,"confidence":0.9785606,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.21729035675525665},{"word":"perfect","start":398.645,"end":399.145,"confidence":0.9793602,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.627604603767395},{"word":"and","start":399.205,"end":399.365,"confidence":0.9985404,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.23820830881595612},{"word":"then","start":399.365,"end":399.60498,"confidence":0.9989606,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.21599507331848145},{"word":"do","start":399.60498,"end":399.76498,"confidence":0.990177,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1194821298122406},{"word":"you","start":399.76498,"end":399.845,"confidence":0.9987098,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1803687214851379},{"word":"know","start":399.845,"end":400.085,"confidence":0.99778026,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1881249099969864},{"word":"roughly","start":400.085,"end":400.405,"confidence":0.98479015,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.13316603004932404},{"word":"what's","start":400.405,"end":400.645,"confidence":0.9976777,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.06153961271047592},{"word":"owing","start":400.645,"end":400.965,"confidence":0.92392826,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":0.07524405419826508},{"word":"left","start":400.965,"end":401.205,"confidence":0.9970921,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.05386429280042648},{"word":"on","start":401.205,"end":401.285,"confidence":0.9996191,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08782611787319183},{"word":"that","start":401.285,"end":401.445,"confidence":0.99979335,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15653526782989502},{"word":"one","start":401.445,"end":401.88,"confidence":0.99891645,"punctuated_word":"one?","sentiment":"neutral","sentiment_score":0.05918112397193909},{"word":"yep","start":412.68,"end":413.18,"confidence":0.7919376,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0774749144911766},{"word":"yep","start":418.69498,"end":419.175,"confidence":0.7748586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06666477769613266},{"word":"and","start":419.175,"end":419.335,"confidence":0.9823042,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.019884929060935978},{"word":"then","start":419.335,"end":419.57498,"confidence":0.99979705,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0245719812810421},{"word":"with","start":419.57498,"end":419.735,"confidence":0.99263954,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.015211351215839386},{"word":"that","start":419.735,"end":419.815,"confidence":0.9999534,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.024707093834877018},{"word":"one","start":419.815,"end":420.055,"confidence":0.99402857,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.0000360533595085144},{"word":"did","start":420.055,"end":420.215,"confidence":0.99987483,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.010557623580098152},{"word":"you","start":420.215,"end":420.29498,"confidence":0.99985576,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0048495568335056305},{"word":"speak","start":420.29498,"end":420.535,"confidence":0.99986434,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":-0.01667570322751999},{"word":"to","start":420.535,"end":420.69498,"confidence":0.9997725,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00942760705947876},{"word":"a","start":420.69498,"end":420.775,"confidence":0.9978713,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0030215494334697723},{"word":"mortgage","start":420.775,"end":421.095,"confidence":0.999595,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.018507517874240875},{"word":"broker","start":421.095,"end":421.335,"confidence":0.9972453,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":-0.02076173573732376},{"word":"when","start":421.335,"end":421.41498,"confidence":0.99863064,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.009271752089262009},{"word":"you","start":421.41498,"end":421.57498,"confidence":0.99977845,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0070655457675457},{"word":"set","start":421.57498,"end":421.735,"confidence":0.99683017,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.01074325293302536},{"word":"up","start":421.735,"end":421.895,"confidence":0.99952483,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.02121005207300186},{"word":"that","start":421.895,"end":422.055,"confidence":0.99967074,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.036464810371398926},{"word":"sort","start":422.055,"end":422.29498,"confidence":0.99827576,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.010870128870010376},{"word":"of","start":422.29498,"end":422.455,"confidence":0.93307424,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014055095613002775},{"word":"split","start":422.455,"end":422.775,"confidence":0.99983084,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.002617977559566498},{"word":"of","start":422.775,"end":422.935,"confidence":0.98961127,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.005751835182309151},{"word":"like","start":422.935,"end":423.095,"confidence":0.9996934,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0011496618390083313},{"word":"not","start":423.095,"end":423.25497,"confidence":0.99960834,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.036152470856904984},{"word":"having","start":423.25497,"end":423.495,"confidence":0.9999374,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.07176967710256577},{"word":"any","start":423.495,"end":423.655,"confidence":0.999783,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.10471829771995544},{"word":"loan","start":423.655,"end":423.895,"confidence":0.9996203,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.18813352286815643},{"word":"against","start":423.895,"end":424.215,"confidence":0.99990237,"punctuated_word":"against","sentiment":"neutral","sentiment_score":-0.0789160281419754},{"word":"the","start":424.215,"end":424.29498,"confidence":0.9946749,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04585698246955872},{"word":"investment","start":424.29498,"end":424.69498,"confidence":0.9992423,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.07639826834201813},{"word":"property","start":424.69498,"end":425.01498,"confidence":0.9998288,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.07278065383434296},{"word":"versus","start":425.01498,"end":425.41498,"confidence":0.9828222,"punctuated_word":"versus,","sentiment":"neutral","sentiment_score":-0.04581325501203537},{"word":"like","start":425.41498,"end":425.57498,"confidence":0.99958974,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.04366280511021614},{"word":"your","start":425.57498,"end":425.735,"confidence":0.9995703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.056534215807914734},{"word":"primary","start":425.735,"end":426.055,"confidence":0.9996668,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":-0.07897260785102844},{"word":"residence","start":426.055,"end":426.455,"confidence":0.98704463,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":-0.03939412534236908},{"word":"and","start":426.455,"end":426.615,"confidence":0.998863,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.026016704738140103},{"word":"things","start":426.615,"end":426.85498,"confidence":0.999871,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.014977376908063889},{"word":"like","start":426.85498,"end":427.01498,"confidence":0.99910337,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.03512182831764221},{"word":"that","start":427.01498,"end":427.5,"confidence":0.9976035,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.021735094487667084},{"word":"yeah","start":437.26,"end":437.76,"confidence":0.7434356,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.047709763050079346},{"word":"yeah","start":445.035,"end":445.355,"confidence":0.99603266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0607592836022377},{"word":"because","start":445.355,"end":445.755,"confidence":0.9730219,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.03639983385801315},{"word":"just","start":445.755,"end":445.99503,"confidence":0.7268926,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":0.04943937063217163},{"word":"obviously","start":445.99503,"end":446.39502,"confidence":0.9980892,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.04730387032032013},{"word":"in","start":446.39502,"end":446.635,"confidence":0.99927205,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.041856784373521805},{"word":"regards","start":446.635,"end":446.875,"confidence":0.99259806,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.013462483882904053},{"word":"to","start":446.875,"end":447.035,"confidence":0.89155555,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.014602724462747574},{"word":"like","start":447.035,"end":447.27502,"confidence":0.9995625,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.016073506325483322},{"word":"investment","start":447.27502,"end":447.67502,"confidence":0.99850106,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.01064348965883255},{"word":"properties","start":447.67502,"end":448.075,"confidence":0.9994037,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":0.018038444221019745},{"word":"at","start":448.075,"end":448.15503,"confidence":0.98621655,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.005014598369598389},{"word":"the","start":448.15503,"end":448.23502,"confidence":0.9993098,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017776980996131897},{"word":"moment","start":448.23502,"end":448.73502,"confidence":0.9984591,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.02362050488591194},{"word":"you","start":448.795,"end":448.95502,"confidence":0.642315,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03655484318733215},{"word":"can","start":448.95502,"end":449.195,"confidence":0.99984777,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05260910838842392},{"word":"still","start":449.195,"end":449.515,"confidence":0.99958557,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0571003258228302},{"word":"deduct","start":449.515,"end":449.915,"confidence":0.99942136,"punctuated_word":"deduct","sentiment":"neutral","sentiment_score":0.03679640218615532},{"word":"the","start":449.915,"end":450.075,"confidence":0.99888796,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.023476891219615936},{"word":"interest","start":450.075,"end":450.475,"confidence":0.99942076,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.05413217842578888},{"word":"on","start":450.475,"end":450.635,"confidence":0.8392559,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.0005223080515861511},{"word":"like","start":450.635,"end":450.875,"confidence":0.99961567,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.01491278037428856},{"word":"the","start":450.875,"end":450.95502,"confidence":0.99879706,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.018591389060020447},{"word":"loans","start":450.95502,"end":451.355,"confidence":0.998825,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":-0.02741820365190506},{"word":"for","start":451.355,"end":451.515,"confidence":0.99699914,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.00719703733921051},{"word":"investments","start":451.515,"end":452.015,"confidence":0.9676087,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.009599924087524414},{"word":"versus","start":452.075,"end":452.475,"confidence":0.9769101,"punctuated_word":"versus,","sentiment":"neutral","sentiment_score":-0.0016945203533396125},{"word":"like","start":452.475,"end":452.635,"confidence":0.99964094,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0037345215678215023},{"word":"your","start":452.635,"end":452.795,"confidence":0.99903655,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.002375870943069458},{"word":"primary","start":452.795,"end":453.195,"confidence":0.9990982,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":-0.026238292455673214},{"word":"residence","start":453.195,"end":453.595,"confidence":0.957595,"punctuated_word":"residence.","sentiment":"neutral","sentiment_score":0.00015024468302726746},{"word":"so","start":453.595,"end":453.755,"confidence":0.9950658,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06180768832564354},{"word":"sometimes","start":453.755,"end":454.15503,"confidence":0.99664223,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":0.08013343065977097},{"word":"they","start":454.15503,"end":454.315,"confidence":0.7944206,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.051008306443691254},{"word":"do","start":454.315,"end":454.55502,"confidence":0.9947695,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07779648154973984},{"word":"do","start":454.55502,"end":454.635,"confidence":0.97820216,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06214036792516709},{"word":"a","start":454.635,"end":454.71503,"confidence":0.9904615,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06437956541776657},{"word":"split","start":454.71503,"end":455.21503,"confidence":0.9983663,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.016597159206867218},{"word":"between","start":455.50998,"end":455.66998,"confidence":0.95786446,"punctuated_word":"between,","sentiment":"neutral","sentiment_score":0.03700854629278183},{"word":"like","start":455.66998,"end":455.91,"confidence":0.99937546,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.050474513322114944},{"word":"the","start":455.91,"end":456.07,"confidence":0.7063513,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.044876500964164734},{"word":"investment","start":456.07,"end":456.38998,"confidence":0.9997825,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.02345576137304306},{"word":"and","start":456.38998,"end":456.63,"confidence":0.9954074,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01567884534597397},{"word":"your","start":456.63,"end":456.87,"confidence":0.9976562,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.050275012850761414},{"word":"primary","start":456.87,"end":457.19,"confidence":0.88849425,"punctuated_word":"primary.","sentiment":"neutral","sentiment_score":0.05005764961242676},{"word":"so","start":457.19,"end":457.35,"confidence":0.99931073,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.116900272667408},{"word":"at","start":457.35,"end":457.50998,"confidence":0.9516187,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10854983329772948},{"word":"least","start":457.50998,"end":457.83,"confidence":0.9188491,"punctuated_word":"least,","sentiment":"neutral","sentiment_score":0.09259295463562012},{"word":"like","start":457.83,"end":457.99,"confidence":0.99689966,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.14983820915222168},{"word":"the","start":457.99,"end":458.15,"confidence":0.97779775,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14190132915973663},{"word":"interest","start":458.15,"end":458.55,"confidence":0.99664485,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.10179071873426436},{"word":"getting","start":458.55,"end":458.71,"confidence":0.9811147,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.1455317735671997},{"word":"paid","start":458.71,"end":458.94998,"confidence":0.9997323,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.07162214070558548},{"word":"on","start":458.94998,"end":459.11,"confidence":0.9998692,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10698066651821136},{"word":"the","start":459.11,"end":459.19,"confidence":0.9957847,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05921289324760437},{"word":"investment","start":459.19,"end":459.66998,"confidence":0.89091533,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.06162406876683235},{"word":"one","start":459.66998,"end":459.83,"confidence":0.9802699,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.12805497646331787},{"word":"you're","start":459.83,"end":459.99,"confidence":0.99761736,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.14637519419193268},{"word":"earning","start":459.99,"end":460.22998,"confidence":0.9992865,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":0.1255031377077103},{"word":"an","start":460.22998,"end":460.38998,"confidence":0.9961849,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.12166997790336607},{"word":"income","start":460.38998,"end":460.63,"confidence":0.9998939,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.09401079267263412},{"word":"with","start":460.63,"end":460.78998,"confidence":0.9996437,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.116902157664299},{"word":"that","start":460.78998,"end":460.94998,"confidence":0.8316903,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.10548625886440276},{"word":"and","start":460.94998,"end":461.19,"confidence":0.99355125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09042014181613922},{"word":"then","start":461.19,"end":461.35,"confidence":0.9961128,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08080099523067474},{"word":"two","start":461.35,"end":461.85,"confidence":0.82234454,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":0.07218073308467865},{"word":"the","start":461.99,"end":462.22998,"confidence":0.99801385,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0645439550280571},{"word":"interest","start":462.22998,"end":462.55,"confidence":0.999736,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.054106444120407104},{"word":"on","start":462.55,"end":462.71,"confidence":0.99981743,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04058831185102463},{"word":"those","start":462.71,"end":462.94998,"confidence":0.99979335,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.033192045986652374},{"word":"repayments","start":462.94998,"end":463.44998,"confidence":0.9527571,"punctuated_word":"repayments","sentiment":"neutral","sentiment_score":0.018914036452770233},{"word":"is","start":463.50998,"end":463.66998,"confidence":0.96850103,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04214811325073242},{"word":"a","start":463.66998,"end":463.75,"confidence":0.7884458,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.039668455719947815},{"word":"deduction","start":463.75,"end":464.25,"confidence":0.9996207,"punctuated_word":"deduction","sentiment":"neutral","sentiment_score":0.0622434988617897},{"word":"versus","start":465.43,"end":465.83,"confidence":0.92201555,"punctuated_word":"versus,","sentiment":"neutral","sentiment_score":0.013060597702860832},{"word":"like","start":465.83,"end":466.07,"confidence":0.99961644,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02760612964630127},{"word":"your","start":466.07,"end":466.38998,"confidence":0.98561513,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.027047693729400635},{"word":"your","start":466.38998,"end":466.63,"confidence":0.9883978,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.00009887665510177612},{"word":"primary","start":466.63,"end":467.11,"confidence":0.99965847,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":-0.02931886166334152},{"word":"residence","start":467.11,"end":467.61,"confidence":0.99632406,"punctuated_word":"residence.","sentiment":"neutral","sentiment_score":0.02435706183314323},{"word":"and","start":468.285,"end":468.445,"confidence":0.9970886,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08887599408626556},{"word":"then","start":468.445,"end":468.685,"confidence":0.9997664,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08186043798923492},{"word":"if","start":468.685,"end":468.765,"confidence":0.99656904,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10630796104669572},{"word":"you","start":468.765,"end":469.005,"confidence":0.9997857,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10364904999732973},{"word":"did","start":469.005,"end":469.245,"confidence":0.9203963,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.10837409645318984},{"word":"wanna","start":469.245,"end":469.565,"confidence":0.9830216,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0999174565076828},{"word":"review","start":469.565,"end":469.885,"confidence":0.99961,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.05332072079181671},{"word":"your","start":469.885,"end":470.045,"confidence":0.9997408,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06593428552150726},{"word":"home","start":470.045,"end":470.20502,"confidence":0.9914044,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.0566461980342865},{"word":"loan","start":470.20502,"end":470.445,"confidence":0.9640468,"punctuated_word":"loan,","sentiment":"neutral","sentiment_score":0.09551040828227995},{"word":"we","start":470.445,"end":470.605,"confidence":0.9993467,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15808604657649994},{"word":"do","start":470.605,"end":470.845,"confidence":0.999936,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1832652688026428},{"word":"have","start":470.845,"end":471.345,"confidence":0.9997999,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1731385886669159},{"word":"some","start":471.885,"end":472.125,"confidence":0.93101954,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11308054625988008},{"word":"mortgage","start":472.125,"end":472.525,"confidence":0.99984694,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.08203475177288055},{"word":"brokers","start":472.525,"end":473.025,"confidence":0.9995622,"punctuated_word":"brokers","sentiment":"neutral","sentiment_score":0.06852450221776962},{"word":"that","start":474.125,"end":474.20502,"confidence":0.9726716,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13126280903816223},{"word":"we","start":474.20502,"end":474.365,"confidence":0.9981623,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13429924845695496},{"word":"sort","start":474.365,"end":474.525,"confidence":0.9831717,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10455484688282012},{"word":"of","start":474.525,"end":474.685,"confidence":0.7534391,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14121268689632416},{"word":"liaison","start":474.685,"end":475.165,"confidence":0.8933643,"punctuated_word":"liaison","sentiment":"neutral","sentiment_score":0.13049262762069702},{"word":"that","start":475.165,"end":475.325,"confidence":0.911528,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1095314770936966},{"word":"are","start":475.325,"end":475.48502,"confidence":0.9538248,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1393922120332718},{"word":"part","start":475.48502,"end":475.645,"confidence":0.99531484,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.1376563310623169},{"word":"of","start":475.645,"end":475.805,"confidence":0.9900044,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.15516714751720428},{"word":"like","start":475.805,"end":475.965,"confidence":0.99913484,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.14681433141231537},{"word":"trusted","start":475.965,"end":476.365,"confidence":0.99592197,"punctuated_word":"trusted","sentiment":"neutral","sentiment_score":0.1092078685760498},{"word":"partners","start":476.365,"end":476.865,"confidence":0.9939226,"punctuated_word":"partners.","sentiment":"neutral","sentiment_score":0.11998900026082993},{"word":"so","start":477.245,"end":477.405,"confidence":0.96612954,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10943898558616638},{"word":"if","start":477.405,"end":477.565,"confidence":0.9992162,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07713469862937927},{"word":"you","start":477.565,"end":477.645,"confidence":0.9972542,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06558498740196228},{"word":"ever","start":477.645,"end":477.885,"confidence":0.99719316,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.12232932448387146},{"word":"do","start":477.885,"end":478.045,"confidence":0.9957842,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.046464309096336365},{"word":"wanna","start":478.045,"end":478.285,"confidence":0.96770966,"punctuated_word":"wanna,","sentiment":"neutral","sentiment_score":0.050294458866119385},{"word":"like","start":478.285,"end":478.525,"confidence":0.9987476,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04123122990131378},{"word":"look","start":478.525,"end":478.685,"confidence":0.99952924,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.003415152430534363},{"word":"at","start":478.685,"end":479.005,"confidence":0.99980134,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0015423595905303955},{"word":"revisiting","start":479.005,"end":479.505,"confidence":0.99882615,"punctuated_word":"revisiting","sentiment":"neutral","sentiment_score":0.07204057276248932},{"word":"or","start":479.645,"end":479.885,"confidence":0.99596184,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.028441116213798523},{"word":"refinancing","start":479.885,"end":480.385,"confidence":0.99918187,"punctuated_word":"refinancing","sentiment":"neutral","sentiment_score":0.02873095311224461},{"word":"and","start":480.605,"end":480.765,"confidence":0.99758875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06595595180988312},{"word":"things","start":480.765,"end":481.005,"confidence":0.99989164,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.08012610673904419},{"word":"like","start":481.005,"end":481.245,"confidence":0.99934894,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0343654528260231},{"word":"that","start":481.245,"end":481.405,"confidence":0.9996369,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09199197590351103},{"word":"as","start":481.405,"end":481.565,"confidence":0.9996736,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12545226514339447},{"word":"well","start":481.565,"end":482.045,"confidence":0.9972863,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.13259738683700562},{"word":"feel","start":482.045,"end":482.20502,"confidence":0.97201884,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.1469462811946869},{"word":"free","start":482.20502,"end":482.365,"confidence":0.99964714,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.16279038786888125},{"word":"to","start":482.365,"end":482.525,"confidence":0.9986808,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.139509916305542},{"word":"give","start":482.525,"end":482.605,"confidence":0.99922717,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.11961021274328232},{"word":"us","start":482.605,"end":482.85,"confidence":0.98292416,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.10854393243789671},{"word":"a","start":482.85,"end":482.93,"confidence":0.8856073,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1126546561717987},{"word":"shout","start":482.93,"end":483.01,"confidence":0.8525695,"punctuated_word":"shout,","sentiment":"neutral","sentiment_score":0.1372673213481903},{"word":"and","start":483.01,"end":483.25,"confidence":0.9995177,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1362685263156891},{"word":"we","start":483.25,"end":483.33002,"confidence":0.99996924,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15552501380443573},{"word":"can","start":483.33002,"end":483.49002,"confidence":0.9998963,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21455875039100647},{"word":"sort","start":483.49002,"end":483.73,"confidence":0.9971506,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.14106540381908417},{"word":"of","start":483.73,"end":483.81,"confidence":0.96920437,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2199132740497589},{"word":"pass","start":483.81,"end":483.97,"confidence":0.9974147,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.22292478382587433},{"word":"your","start":483.97,"end":484.13,"confidence":0.8561059,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1803956776857376},{"word":"details","start":484.13,"end":484.53,"confidence":0.999819,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.2055002599954605},{"word":"along","start":484.53,"end":484.69,"confidence":0.9995215,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.1926966607570648},{"word":"if","start":484.69,"end":484.77002,"confidence":0.96792954,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17203176021575928},{"word":"you'd","start":484.77002,"end":485.27002,"confidence":0.9995354,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.10006648302078248},{"word":"like","start":490.45,"end":490.61002,"confidence":0.99881685,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":-0.030282143503427505},{"word":"yeah","start":490.61002,"end":491.09,"confidence":0.9931282,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0283677838742733},{"word":"especially","start":491.09,"end":491.41,"confidence":0.845269,"punctuated_word":"Especially","sentiment":"neutral","sentiment_score":-0.15161079168319702},{"word":"if","start":491.41,"end":491.57,"confidence":0.91796446,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.14638450741767883},{"word":"you","start":491.57,"end":491.73,"confidence":0.96144605,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.1686444729566574},{"word":"like","start":491.73,"end":491.89,"confidence":0.9980442,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1697271466255188},{"word":"haven't","start":491.89,"end":492.13,"confidence":0.9995665,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.1523834764957428},{"word":"really","start":492.13,"end":492.37,"confidence":0.999861,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.14295810461044312},{"word":"looked","start":492.37,"end":492.53,"confidence":0.9991874,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.14648763835430145},{"word":"at","start":492.53,"end":492.69,"confidence":0.9996019,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1632385551929474},{"word":"your","start":492.69,"end":492.85,"confidence":0.9996697,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2082168161869049},{"word":"loan","start":492.85,"end":493.17,"confidence":0.94647115,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.13602390885353088},{"word":"since","start":493.17,"end":493.49,"confidence":0.92198575,"punctuated_word":"since,","sentiment":"neutral","sentiment_score":-0.1707998812198639},{"word":"like","start":493.49,"end":493.65,"confidence":0.999262,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.12253151834011078},{"word":"the","start":493.65,"end":493.81,"confidence":0.90941554,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08834211528301239},{"word":"house","start":493.81,"end":494.05002,"confidence":0.9994696,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.036686837673187256},{"word":"was","start":494.05002,"end":494.21,"confidence":0.9996283,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.024725668132305145},{"word":"built","start":494.21,"end":494.53,"confidence":0.9997049,"punctuated_word":"built","sentiment":"neutral","sentiment_score":0.013381093740463257},{"word":"and","start":494.53,"end":494.69,"confidence":0.9980963,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04204268753528595},{"word":"finalized","start":494.69,"end":495.17,"confidence":0.9897433,"punctuated_word":"finalized","sentiment":"neutral","sentiment_score":0.0009713731706142426},{"word":"and","start":495.17,"end":495.25,"confidence":0.99170023,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0882885605096817},{"word":"things","start":495.25,"end":495.435,"confidence":0.99516946,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.06496043503284454},{"word":"like","start":495.51498,"end":495.675,"confidence":0.99963474,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.09373783320188522},{"word":"that","start":495.675,"end":495.835,"confidence":0.99953616,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0912473276257515},{"word":"because","start":495.835,"end":496.075,"confidence":0.5329106,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0884280726313591},{"word":"you","start":496.075,"end":496.155,"confidence":0.9997416,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12986837327480316},{"word":"might","start":496.155,"end":496.475,"confidence":0.9998412,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.10300598293542862},{"word":"have","start":496.475,"end":496.635,"confidence":0.9905255,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1346742808818817},{"word":"a","start":496.635,"end":496.715,"confidence":0.99969935,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0872160866856575},{"word":"bit","start":496.715,"end":496.875,"confidence":0.9997352,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08435684442520142},{"word":"more","start":496.875,"end":497.115,"confidence":0.99993277,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.13306456804275513},{"word":"equity","start":497.115,"end":497.355,"confidence":0.99990726,"punctuated_word":"equity","sentiment":"neutral","sentiment_score":-0.14681124687194824},{"word":"than","start":497.355,"end":497.595,"confidence":0.9995427,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.18243739008903503},{"word":"you","start":497.595,"end":497.675,"confidence":0.99984,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.29387059807777405},{"word":"think","start":497.675,"end":497.915,"confidence":0.83558786,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":-0.19395318627357483},{"word":"and","start":497.915,"end":498.155,"confidence":0.99975353,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14270809292793274},{"word":"that","start":498.155,"end":498.395,"confidence":0.99981934,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06654147803783417},{"word":"might","start":498.395,"end":498.555,"confidence":0.99955446,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.10856564342975616},{"word":"sort","start":498.555,"end":498.715,"confidence":0.9966338,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.10344461351633072},{"word":"of","start":498.715,"end":498.875,"confidence":0.9973137,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06610795110464096},{"word":"be","start":498.875,"end":499.035,"confidence":0.9884343,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.10325144976377489},{"word":"able","start":499.035,"end":499.315,"confidence":0.70745564,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.10480533540248872},{"word":"to","start":499.315,"end":499.595,"confidence":0.9524088,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.1148340031504631},{"word":"you","start":499.595,"end":499.755,"confidence":0.9987692,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2419907748699188},{"word":"know","start":499.755,"end":499.995,"confidence":0.99969304,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.17609064280986786},{"word":"affect","start":499.995,"end":500.315,"confidence":0.9523754,"punctuated_word":"affect,","sentiment":"neutral","sentiment_score":-0.09509965777397156},{"word":"like","start":500.315,"end":500.555,"confidence":0.99845445,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.11513377726078032},{"word":"what","start":500.555,"end":500.79498,"confidence":0.9989982,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.10396134853363036},{"word":"sort","start":500.79498,"end":500.955,"confidence":0.9919777,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.16726170480251312},{"word":"of","start":500.955,"end":501.115,"confidence":0.9898718,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1310214400291443},{"word":"loan","start":501.115,"end":501.275,"confidence":0.9994242,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.16606993973255155},{"word":"rate","start":501.275,"end":501.51498,"confidence":0.9707529,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":-0.027561970055103305},{"word":"you","start":501.51498,"end":501.595,"confidence":0.999785,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0831388533115387},{"word":"can","start":501.595,"end":501.755,"confidence":0.9998956,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.08829338103532791},{"word":"get","start":501.755,"end":501.915,"confidence":0.9998754,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.12067439407110214},{"word":"as","start":501.915,"end":502.155,"confidence":0.9998228,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.08215680718421936},{"word":"well","start":502.155,"end":502.655,"confidence":0.99989676,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.09492066502571106},{"word":"and","start":502.955,"end":503.115,"confidence":0.82872975,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05543643236160278},{"word":"whether","start":503.115,"end":503.435,"confidence":0.9959382,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.01422404870390892},{"word":"or","start":503.435,"end":503.51498,"confidence":0.9778537,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.021527893841266632},{"word":"not","start":503.51498,"end":503.835,"confidence":0.9998149,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04575596749782562},{"word":"it's","start":503.835,"end":503.915,"confidence":0.82921666,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0090932697057724},{"word":"worth","start":503.915,"end":504.075,"confidence":0.9652494,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.010821133852005003},{"word":"yeah","start":508.65002,"end":508.81,"confidence":0.8023468,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21433177590370175},{"word":"so","start":508.81,"end":508.89,"confidence":0.99762756,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23676268756389615},{"word":"if","start":508.89,"end":509.05002,"confidence":0.99479806,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2744329571723938},{"word":"you","start":509.05002,"end":509.13,"confidence":0.99900836,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24607938528060913},{"word":"have","start":509.13,"end":509.21002,"confidence":0.99497354,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2557547688484192},{"word":"a","start":509.21002,"end":509.29,"confidence":0.9988537,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23513254523277283},{"word":"chat","start":509.29,"end":509.53,"confidence":0.9996679,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.25487199425697327},{"word":"with","start":509.53,"end":509.77002,"confidence":0.9998456,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2368083298206329},{"word":"your","start":509.77002,"end":509.93002,"confidence":0.9811871,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17492160201072693},{"word":"your","start":509.93002,"end":510.01,"confidence":0.91439706,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17163370549678802},{"word":"partner","start":510.01,"end":510.33002,"confidence":0.99970335,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.19850227236747744},{"word":"there","start":510.33002,"end":510.49002,"confidence":0.99407816,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.19722139835357663},{"word":"and","start":510.49002,"end":510.57,"confidence":0.98265487,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21347087621688843},{"word":"wanna","start":510.57,"end":510.81,"confidence":0.8829536,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2898813486099243},{"word":"have","start":510.81,"end":510.89,"confidence":0.99885845,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.26387760043144226},{"word":"a","start":510.89,"end":510.97,"confidence":0.9994105,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27027827501296997},{"word":"look","start":510.97,"end":511.13,"confidence":0.9999695,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.15804263949394226},{"word":"into","start":511.13,"end":511.29,"confidence":0.99920887,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2096169888973236},{"word":"that","start":511.29,"end":511.53,"confidence":0.9979238,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.184385284781456},{"word":"feel","start":511.53,"end":511.69,"confidence":0.99962413,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.2545031011104584},{"word":"free","start":511.69,"end":511.85,"confidence":0.8518486,"punctuated_word":"free,","sentiment":"neutral","sentiment_score":0.2561354637145996},{"word":"and","start":511.85,"end":511.93002,"confidence":0.9990258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24004247784614563},{"word":"we","start":511.93002,"end":512.09,"confidence":0.999835,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2095024436712265},{"word":"can","start":512.09,"end":512.25,"confidence":0.99963677,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20754505693912503},{"word":"just","start":512.25,"end":512.33,"confidence":0.9988518,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2487165927886963},{"word":"pass","start":512.33,"end":512.57,"confidence":0.9986512,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.2313428372144699},{"word":"along","start":512.57,"end":512.89,"confidence":0.99905163,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.2066195011138916},{"word":"your","start":512.89,"end":513.05,"confidence":0.9580316,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1989259123802185},{"word":"your","start":513.05,"end":513.21,"confidence":0.85259855,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1911781132221222},{"word":"details","start":513.21,"end":513.61,"confidence":0.9998142,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.20248177647590637},{"word":"to","start":513.61,"end":513.77,"confidence":0.99906486,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06173356622457504},{"word":"one","start":513.77,"end":513.85,"confidence":0.999683,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1108936369419098},{"word":"of","start":513.85,"end":513.93,"confidence":0.9996741,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10868188738822936},{"word":"the","start":513.93,"end":514.09,"confidence":0.9983224,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12296202778816225},{"word":"mortgage","start":514.09,"end":514.41003,"confidence":0.999393,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.11001165211200714},{"word":"brokers","start":514.41003,"end":514.81,"confidence":0.99842864,"punctuated_word":"brokers","sentiment":"neutral","sentiment_score":0.04039919003844261},{"word":"here","start":514.81,"end":515.31,"confidence":0.9987891,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.0943731814622879},{"word":"and","start":516.09,"end":516.57,"confidence":0.9250487,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05322890728712082},{"word":"other","start":516.57,"end":516.81,"confidence":0.98208046,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.07293294370174408},{"word":"assets","start":516.81,"end":517.21,"confidence":0.99618965,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.0495074987411499},{"word":"there","start":517.21,"end":517.37,"confidence":0.88747823,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.06355550140142441},{"word":"i've","start":517.37,"end":517.45,"confidence":0.9915223,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.09745659679174425},{"word":"got","start":517.45,"end":517.61,"confidence":0.99990237,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07084663212299347},{"word":"your","start":517.61,"end":517.85004,"confidence":0.9602294,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06109391152858734},{"word":"truck","start":517.85004,"end":518.01,"confidence":0.9971149,"punctuated_word":"truck","sentiment":"neutral","sentiment_score":0.09366916120052338},{"word":"worth","start":518.01,"end":518.25,"confidence":0.9699985,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.07068679481744766},{"word":"around","start":518.25,"end":518.57,"confidence":0.9922172,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.10352374613285063},{"word":"the","start":518.57,"end":518.73004,"confidence":0.9589477,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08356238901615143},{"word":"55,000","start":518.73004,"end":519.77,"confidence":0.99961597,"punctuated_word":"55,000","sentiment":"neutral","sentiment_score":0.08542804419994354},{"word":"and","start":519.77,"end":520.01,"confidence":0.9074565,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.054681628942489624},{"word":"a","start":520.01,"end":520.09,"confidence":0.9918086,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.061215583235025406},{"word":"machine","start":520.09,"end":520.41003,"confidence":0.99644524,"punctuated_word":"machine","sentiment":"neutral","sentiment_score":0.06250743567943573},{"word":"estimated","start":520.41003,"end":520.81,"confidence":0.77951896,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":0.09233752638101578},{"word":"worth","start":520.81,"end":521.05,"confidence":0.98943824,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.07998683303594589},{"word":"around","start":521.05,"end":521.29004,"confidence":0.99490887,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.1224556714296341},{"word":"the","start":521.29004,"end":521.37,"confidence":0.68376935,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0691261813044548},{"word":"85","start":521.37,"end":521.85004,"confidence":0.9972774,"punctuated_word":"85.","sentiment":"neutral","sentiment_score":0.0742202028632164},{"word":"is","start":521.85004,"end":522.01,"confidence":0.9995453,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.08940555900335312},{"word":"that","start":522.01,"end":522.17,"confidence":0.99991286,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07516613602638245},{"word":"about","start":522.17,"end":522.41003,"confidence":0.9995776,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03554556891322136},{"word":"right","start":522.41003,"end":522.855,"confidence":0.99900246,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.044685568660497665},{"word":"yep","start":524.535,"end":525.035,"confidence":0.9985126,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01961402967572212},{"word":"yep","start":532.055,"end":532.375,"confidence":0.8042828,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.006250757724046707},{"word":"and","start":532.375,"end":532.695,"confidence":0.9038856,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01160505786538124},{"word":"have","start":532.695,"end":532.935,"confidence":0.99651045,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.002891354262828827},{"word":"you","start":532.935,"end":533.01495,"confidence":0.99963784,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.028647415339946747},{"word":"managed","start":533.01495,"end":533.415,"confidence":0.99912506,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.016093231737613678},{"word":"to","start":533.415,"end":533.57495,"confidence":0.9997372,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.022494740784168243},{"word":"pay","start":533.57495,"end":533.815,"confidence":0.99978644,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.03278166055679321},{"word":"most","start":533.815,"end":534.055,"confidence":0.9997985,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.04634970426559448},{"word":"of","start":534.055,"end":534.135,"confidence":0.99977344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.006756395101547241},{"word":"that","start":534.135,"end":534.295,"confidence":0.9998946,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.011843077838420868},{"word":"off","start":534.295,"end":534.45496,"confidence":0.99953806,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.010502826422452928},{"word":"now","start":534.45496,"end":534.695,"confidence":0.9965131,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":-0.009677542373538016},{"word":"is","start":534.695,"end":534.77496,"confidence":0.99956805,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.013810981065034866},{"word":"there","start":534.77496,"end":534.935,"confidence":0.9996749,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.019096888601779934},{"word":"anything","start":534.935,"end":535.175,"confidence":0.9997209,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.025982540100812912},{"word":"owing","start":535.175,"end":535.415,"confidence":0.65920717,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":-0.03445405513048172},{"word":"on","start":535.415,"end":535.495,"confidence":0.9979334,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05305526405572891},{"word":"that","start":535.495,"end":535.65497,"confidence":0.9967145,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05979492515325546},{"word":"escrow","start":535.65497,"end":536.15497,"confidence":0.47581032,"punctuated_word":"escrow?","sentiment":"neutral","sentiment_score":-0.07297773659229279},{"word":"perfect","start":540.36005,"end":540.86005,"confidence":0.98707974,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.19682422280311584},{"word":"and","start":541.0,"end":541.32,"confidence":0.9990747,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06492415070533752},{"word":"as","start":541.32,"end":541.48004,"confidence":0.999491,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.061921995133161545},{"word":"far","start":541.48004,"end":541.72003,"confidence":0.9998965,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.08016584813594818},{"word":"as","start":541.72003,"end":541.88,"confidence":0.99956053,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08355450630187988},{"word":"any","start":541.88,"end":542.12006,"confidence":0.9999286,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.10070855915546416},{"word":"other","start":542.12006,"end":542.36005,"confidence":0.9994566,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.017917945981025696},{"word":"assets","start":542.36005,"end":542.68005,"confidence":0.9996238,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.0069168806076049805},{"word":"and","start":542.68005,"end":542.84,"confidence":0.99726427,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.005525059998035431},{"word":"liabilities","start":542.84,"end":543.16003,"confidence":0.9992901,"punctuated_word":"liabilities","sentiment":"neutral","sentiment_score":0.013803750276565552},{"word":"that","start":543.16003,"end":543.4,"confidence":0.9997284,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0024339333176612854},{"word":"i","start":543.4,"end":543.48004,"confidence":0.9996145,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.002942953258752823},{"word":"haven't","start":543.48004,"end":543.72003,"confidence":0.9998754,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.006237689405679703},{"word":"mentioned","start":543.72003,"end":544.04004,"confidence":0.9978734,"punctuated_word":"mentioned,","sentiment":"neutral","sentiment_score":0.010150372982025146},{"word":"you","start":544.04004,"end":544.12006,"confidence":0.99971646,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.028506368398666385},{"word":"said","start":544.12006,"end":544.28,"confidence":0.99933535,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.03724355250597},{"word":"you've","start":544.28,"end":544.36005,"confidence":0.7871473,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.036417365074157715},{"word":"got","start":544.36005,"end":544.44006,"confidence":0.9995443,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04516267403960228},{"word":"a","start":544.44006,"end":544.52,"confidence":0.9993988,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07493549585342407},{"word":"bit","start":544.52,"end":544.76,"confidence":0.99984825,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06145662069320679},{"word":"of","start":544.76,"end":544.84,"confidence":0.9999285,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06784644722938538},{"word":"a","start":544.84,"end":545.0,"confidence":0.9756117,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.013436343520879744},{"word":"savings","start":545.0,"end":545.4,"confidence":0.9994349,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":-0.034560926258563995},{"word":"built","start":545.4,"end":545.64,"confidence":0.99918336,"punctuated_word":"built","sentiment":"neutral","sentiment_score":0.06554345041513443},{"word":"up","start":545.64,"end":545.80005,"confidence":0.9998882,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.06836817413568497},{"word":"as","start":545.80005,"end":545.96,"confidence":0.9999225,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02462727576494217},{"word":"well","start":545.96,"end":546.12006,"confidence":0.99810106,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.015838783234357834},{"word":"do","start":546.12006,"end":546.28,"confidence":0.99984705,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.011660516262054443},{"word":"you","start":546.28,"end":546.36005,"confidence":0.9996629,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023184463381767273},{"word":"know","start":546.36005,"end":546.52,"confidence":0.9993136,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.016525130718946457},{"word":"roughly","start":546.52,"end":546.84,"confidence":0.99166733,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.03509627282619476},{"word":"sort","start":546.84,"end":547.0,"confidence":0.9898453,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.016985289752483368},{"word":"of","start":547.0,"end":547.08,"confidence":0.83319724,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.023431211709976196},{"word":"how","start":547.08,"end":547.24005,"confidence":0.9997075,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0017025358974933624},{"word":"much","start":547.24005,"end":547.4,"confidence":0.99994886,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.008141156286001205},{"word":"is","start":547.4,"end":547.56006,"confidence":0.99640477,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01178337261080742},{"word":"sitting","start":547.56006,"end":547.80005,"confidence":0.9996823,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.03342176228761673},{"word":"in","start":547.80005,"end":547.96,"confidence":0.9995117,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0028595849871635437},{"word":"that","start":547.96,"end":548.295,"confidence":0.8290546,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.005472427234053612},{"word":"$1.40","start":552.055,"end":552.695,"confidence":0.76613045,"punctuated_word":"$1.40.","sentiment":"neutral","sentiment_score":0.0032167560420930386},{"word":"and","start":552.695,"end":552.855,"confidence":0.99703836,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0005319844931364059},{"word":"is","start":552.855,"end":552.935,"confidence":0.9995511,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.007023399695754051},{"word":"that","start":552.935,"end":553.175,"confidence":0.9997768,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.006497059017419815},{"word":"an","start":553.175,"end":553.33496,"confidence":0.50786334,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.005591746419668198},{"word":"offset","start":553.33496,"end":553.735,"confidence":0.9958753,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.00679171085357666},{"word":"or","start":553.735,"end":553.89496,"confidence":0.9985312,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.012014731764793396},{"word":"a","start":553.89496,"end":554.055,"confidence":0.9963398,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00811508297920227},{"word":"savings","start":554.055,"end":554.45496,"confidence":0.9998702,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":-0.03603789955377579},{"word":"account","start":554.45496,"end":554.95496,"confidence":0.99965036,"punctuated_word":"account?","sentiment":"neutral","sentiment_score":-0.000897066667675972},{"word":"yep","start":560.375,"end":560.875,"confidence":0.75522685,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.081135094165802},{"word":"and","start":561.47,"end":561.62994,"confidence":0.7048133,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03990405797958374},{"word":"do","start":561.62994,"end":561.70996,"confidence":0.5744733,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.026792364194989204},{"word":"you","start":561.70996,"end":561.79,"confidence":0.9966456,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03564615920186043},{"word":"have","start":561.79,"end":561.87,"confidence":0.9794223,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.019705476239323616},{"word":"that","start":561.87,"end":562.02997,"confidence":0.9897127,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.034176070243120193},{"word":"in","start":562.02997,"end":562.11,"confidence":0.95944875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.007480096071958542},{"word":"a","start":562.11,"end":562.19,"confidence":0.8880621,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01199459470808506},{"word":"high","start":562.19,"end":562.35,"confidence":0.9846111,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.003618992865085602},{"word":"interest","start":562.35,"end":562.75,"confidence":0.99950147,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.0043203383684158325},{"word":"savings","start":562.75,"end":563.06995,"confidence":0.99908614,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":-0.025613859295845032},{"word":"account","start":563.06995,"end":563.38995,"confidence":0.999553,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.03038020431995392},{"word":"at","start":563.38995,"end":563.47,"confidence":0.99905795,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.014054033905267715},{"word":"the","start":563.47,"end":563.55,"confidence":0.99921584,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0018602274358272552},{"word":"moment","start":563.55,"end":564.05,"confidence":0.9973658,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":-0.02193247154355049},{"word":"because","start":573.885,"end":574.205,"confidence":0.5963614,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.07501767575740814},{"word":"with","start":574.205,"end":574.445,"confidence":0.9897921,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.056206781417131424},{"word":"that","start":574.445,"end":574.765,"confidence":0.9993318,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08866873383522034},{"word":"too","start":574.765,"end":575.08496,"confidence":0.86987394,"punctuated_word":"too,","sentiment":"neutral","sentiment_score":-0.12668931484222412},{"word":"obviously","start":575.08496,"end":575.58496,"confidence":0.9984314,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.20417025685310364},{"word":"oh","start":575.885,"end":576.045,"confidence":0.96797943,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.211480051279068},{"word":"sorry","start":576.045,"end":576.545,"confidence":0.87297916,"punctuated_word":"sorry?","sentiment":"neutral","sentiment_score":-0.1709437072277069},{"word":"yes","start":583.725,"end":584.225,"confidence":0.9462894,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08336952328681946},{"word":"the","start":585.1,"end":585.34,"confidence":0.82528585,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.04575883969664574},{"word":"other","start":585.34,"end":585.66,"confidence":0.68311507,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.06375374644994736},{"word":"option","start":585.66,"end":586.06,"confidence":0.9996339,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.038010984659194946},{"word":"there","start":586.06,"end":586.3,"confidence":0.9990497,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.026366502046585083},{"word":"is","start":586.3,"end":586.8,"confidence":0.9997094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.035303086042404175},{"word":"you","start":587.18,"end":587.42,"confidence":0.8179383,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.031035885214805603},{"word":"can","start":587.42,"end":587.58,"confidence":0.99996376,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.0012082383036613464},{"word":"look","start":587.58,"end":587.82,"confidence":0.99981076,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.011009745299816132},{"word":"at","start":587.82,"end":587.98,"confidence":0.99952674,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.023269563913345337},{"word":"setting","start":587.98,"end":588.22003,"confidence":0.99946266,"punctuated_word":"setting","sentiment":"neutral","sentiment_score":0.023986458778381348},{"word":"up","start":588.22003,"end":588.3,"confidence":0.9997409,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.04781496524810791},{"word":"an","start":588.3,"end":588.46,"confidence":0.99966633,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.053578369319438934},{"word":"offset","start":588.46,"end":588.86,"confidence":0.9922024,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":-0.11013904958963394},{"word":"account","start":588.86,"end":589.26,"confidence":0.99960285,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.02961111068725586},{"word":"with","start":589.26,"end":589.42,"confidence":0.9997266,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.030507385730743408},{"word":"your","start":589.42,"end":589.82,"confidence":0.99449545,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.008657887578010559},{"word":"your","start":589.82,"end":589.98,"confidence":0.9177441,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0003636777400970459},{"word":"bank","start":589.98,"end":590.3,"confidence":0.9978241,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.01967661827802658},{"word":"or","start":590.3,"end":590.54,"confidence":0.9378485,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":-0.005270242691040039},{"word":"like","start":590.54,"end":590.78,"confidence":0.99942887,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.007409181445837021},{"word":"with","start":590.78,"end":591.14,"confidence":0.998911,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03946860134601593},{"word":"the","start":591.14,"end":591.5,"confidence":0.525344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03677763789892197},{"word":"your","start":591.58,"end":591.82,"confidence":0.8467269,"punctuated_word":"your,","sentiment":"neutral","sentiment_score":-0.012551911175251009},{"word":"like","start":591.82,"end":592.06,"confidence":0.9993636,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.017266951501369476},{"word":"loan","start":592.06,"end":592.38,"confidence":0.99963784,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.0008127838373184204},{"word":"provider","start":592.38,"end":592.78,"confidence":0.9332284,"punctuated_word":"provider","sentiment":"neutral","sentiment_score":0.011967889964580536},{"word":"there","start":592.78,"end":593.28,"confidence":0.70657057,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.006196331232786179},{"word":"so","start":593.74,"end":593.98,"confidence":0.83446264,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.019872676581144333},{"word":"like","start":593.98,"end":594.14,"confidence":0.99893236,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.017130393534898758},{"word":"who","start":594.14,"end":594.3,"confidence":0.99201316,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.0044953301548957825},{"word":"it's","start":594.3,"end":594.62,"confidence":0.99752295,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.011350478045642376},{"word":"with","start":594.62,"end":594.86,"confidence":0.8481108,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":-0.004381965845823288},{"word":"and","start":594.86,"end":595.18,"confidence":0.9970579,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.025394931435585025},{"word":"you","start":595.18,"end":595.42,"confidence":0.9997881,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06290335953235626},{"word":"can","start":595.42,"end":595.66,"confidence":0.9999616,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04742592200636864},{"word":"leave","start":595.66,"end":595.9,"confidence":0.9997515,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.0016405582427978516},{"word":"it","start":595.9,"end":596.06,"confidence":0.9996766,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03131479024887085},{"word":"sitting","start":596.06,"end":596.22003,"confidence":0.99968994,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.0020926296710968018},{"word":"in","start":596.22003,"end":596.38,"confidence":0.9994387,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.004107117652893066},{"word":"the","start":596.38,"end":596.46,"confidence":0.99917346,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007408082485198975},{"word":"offset","start":596.46,"end":596.86,"confidence":0.782503,"punctuated_word":"offset.","sentiment":"neutral","sentiment_score":-0.05477951094508171},{"word":"and","start":596.86,"end":596.94,"confidence":0.99787164,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05272040516138077},{"word":"what","start":596.94,"end":597.18,"confidence":0.99988747,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07475057989358902},{"word":"that","start":597.18,"end":597.34,"confidence":0.9994288,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06201271712779999},{"word":"does","start":597.34,"end":597.5,"confidence":0.99985874,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.07284757494926453},{"word":"is","start":597.5,"end":597.66,"confidence":0.96491766,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06450828164815903},{"word":"essentially","start":597.66,"end":598.14,"confidence":0.8144301,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.05714503675699234},{"word":"like","start":598.14,"end":598.455,"confidence":0.99306214,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05703691020607948},{"word":"it's","start":598.53503,"end":598.85504,"confidence":0.99970466,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04757262021303177},{"word":"like","start":598.85504,"end":599.015,"confidence":0.9458913,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05177709460258484},{"word":"being","start":599.015,"end":599.495,"confidence":0.99821115,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.062260836362838745},{"word":"on","start":599.495,"end":599.655,"confidence":0.9997553,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06937269866466522},{"word":"the","start":599.655,"end":599.815,"confidence":0.99946135,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04724081978201866},{"word":"mortgage","start":599.815,"end":600.215,"confidence":0.9786606,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.052837684750556946},{"word":"but","start":600.215,"end":600.455,"confidence":0.9999027,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05414934456348419},{"word":"it's","start":600.455,"end":600.695,"confidence":0.9999232,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04342120885848999},{"word":"not","start":600.695,"end":601.015,"confidence":0.9586289,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":0.02679106779396534},{"word":"like","start":601.015,"end":601.09503,"confidence":0.9934019,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.11585080623626708},{"word":"you","start":601.09503,"end":601.255,"confidence":0.9995937,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16509506106376648},{"word":"still","start":601.255,"end":601.495,"confidence":0.9975967,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.17379382252693176},{"word":"have","start":601.495,"end":601.575,"confidence":0.9990727,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19269411265850067},{"word":"full","start":601.575,"end":601.73505,"confidence":0.9995689,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.2326823323965073},{"word":"access","start":601.73505,"end":602.055,"confidence":0.9999032,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.199679896235466},{"word":"to","start":602.055,"end":602.135,"confidence":0.998577,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22557905316352844},{"word":"it","start":602.135,"end":602.29504,"confidence":0.99031734,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.15447521209716797},{"word":"it's","start":602.29504,"end":602.455,"confidence":0.9993596,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07551514357328415},{"word":"the","start":602.455,"end":602.53503,"confidence":0.99434364,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11166047304868698},{"word":"exact","start":602.53503,"end":602.775,"confidence":0.99946815,"punctuated_word":"exact","sentiment":"neutral","sentiment_score":0.16566209495067596},{"word":"same","start":602.775,"end":602.935,"confidence":0.997373,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.13918766379356384},{"word":"as","start":602.935,"end":603.015,"confidence":0.9315438,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13482406735420227},{"word":"in","start":603.015,"end":603.09503,"confidence":0.5223157,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1478370577096939},{"word":"everyday","start":603.09503,"end":603.495,"confidence":0.95896065,"punctuated_word":"everyday","sentiment":"neutral","sentiment_score":0.14467567205429077},{"word":"spending","start":603.495,"end":603.995,"confidence":0.95447636,"punctuated_word":"spending,","sentiment":"neutral","sentiment_score":0.12342068552970886},{"word":"but","start":604.135,"end":604.29504,"confidence":0.9949714,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.08514688909053802},{"word":"you","start":604.29504,"end":604.455,"confidence":0.9998902,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.060906872153282166},{"word":"won't","start":604.455,"end":604.695,"confidence":0.9996588,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.04410307854413986},{"word":"get","start":604.695,"end":604.935,"confidence":0.9990349,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.036367692053318024},{"word":"interest","start":604.935,"end":605.255,"confidence":0.99932325,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.022476613521575928},{"word":"on","start":605.255,"end":605.335,"confidence":0.99982363,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08304622769355774},{"word":"it","start":605.335,"end":605.495,"confidence":0.9979759,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.055315181612968445},{"word":"all","start":605.495,"end":605.73505,"confidence":0.9973883,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.10158558934926988},{"word":"it","start":605.73505,"end":605.815,"confidence":0.9538464,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12208452820777892},{"word":"would","start":605.815,"end":605.97504,"confidence":0.9945679,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.16191735863685608},{"word":"do","start":605.97504,"end":606.135,"confidence":0.99955136,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16058503091335297},{"word":"is","start":606.135,"end":606.29504,"confidence":0.9757018,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.157218798995018},{"word":"like","start":606.29504,"end":606.455,"confidence":0.99979043,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.17227521538734436},{"word":"offset","start":606.455,"end":606.85504,"confidence":0.99920315,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.09526074677705763},{"word":"the","start":606.85504,"end":607.015,"confidence":0.99774444,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1958859860897064},{"word":"interest","start":607.015,"end":607.515,"confidence":0.9995233,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.018527328968048096},{"word":"that","start":607.575,"end":607.73505,"confidence":0.9998461,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22777843475341797},{"word":"you","start":607.73505,"end":607.97504,"confidence":0.9999429,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14889606833457947},{"word":"would","start":607.97504,"end":608.135,"confidence":0.99992955,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.16818641126155853},{"word":"be","start":608.135,"end":608.29504,"confidence":0.9996393,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16172966361045835},{"word":"paying","start":608.29504,"end":608.53503,"confidence":0.9999157,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.050206877291202545},{"word":"on","start":608.53503,"end":608.695,"confidence":0.99950767,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15065652132034302},{"word":"your","start":608.695,"end":608.85504,"confidence":0.99992347,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12984342873096466},{"word":"home","start":608.85504,"end":609.015,"confidence":0.9995517,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.095818430185318},{"word":"loan","start":609.015,"end":609.175,"confidence":0.97891474,"punctuated_word":"loan.","sentiment":"neutral","sentiment_score":0.10459506511688232},{"word":"so","start":609.175,"end":609.41504,"confidence":0.8803264,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.15520286560058594},{"word":"essentially","start":609.41504,"end":609.73505,"confidence":0.99984527,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.13971880078315735},{"word":"instead","start":609.73505,"end":610.055,"confidence":0.99986327,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.1111341193318367},{"word":"of","start":610.055,"end":610.215,"confidence":0.999065,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08494692295789719},{"word":"paying","start":610.215,"end":610.715,"confidence":0.9995565,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.030571669340133667},{"word":"the","start":610.775,"end":610.935,"confidence":0.9994318,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1337057799100876},{"word":"interest","start":610.935,"end":611.255,"confidence":0.99994516,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.07530052959918976},{"word":"on","start":611.255,"end":611.41504,"confidence":0.99980026,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04570627957582474},{"word":"a","start":611.41504,"end":611.495,"confidence":0.9932417,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.051344044506549835},{"word":"$700,000","start":611.495,"end":613.03503,"confidence":0.99116045,"punctuated_word":"$700,000","sentiment":"neutral","sentiment_score":0.1251908540725708},{"word":"debt","start":613.43,"end":613.67,"confidence":0.99392843,"punctuated_word":"debt,","sentiment":"neutral","sentiment_score":0.057314932346343994},{"word":"you'd","start":613.67,"end":613.82996,"confidence":0.9998483,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.1657012104988098},{"word":"be","start":613.82996,"end":614.14996,"confidence":0.99963975,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16434919834136963},{"word":"paying","start":614.14996,"end":614.47,"confidence":0.9998036,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.07358501851558685},{"word":"it","start":614.47,"end":614.70996,"confidence":0.9949173,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15652821958065033},{"word":"closer","start":614.70996,"end":615.20996,"confidence":0.999345,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.08863148093223572},{"word":"to","start":615.75,"end":615.99,"confidence":0.94597465,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.12785956263542175},{"word":"you","start":615.99,"end":616.06995,"confidence":0.99947625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09245046973228456},{"word":"know","start":616.06995,"end":616.31,"confidence":0.9998567,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.11946386098861694},{"word":"that","start":616.31,"end":616.55,"confidence":0.9993451,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12872697412967682},{"word":"$5.60","start":616.55,"end":617.35,"confidence":0.998529,"punctuated_word":"$5.60","sentiment":"neutral","sentiment_score":0.10679175704717636},{"word":"mark","start":617.35,"end":617.85,"confidence":0.99705374,"punctuated_word":"mark","sentiment":"neutral","sentiment_score":0.09171514213085176},{"word":"in","start":618.38995,"end":618.63,"confidence":0.84290326,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09816104918718338},{"word":"terms","start":618.63,"end":618.87,"confidence":0.99992645,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.0991218239068985},{"word":"of","start":618.87,"end":619.02997,"confidence":0.97549367,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.14680662751197815},{"word":"like","start":619.02997,"end":619.35,"confidence":0.9993454,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.13410982489585876},{"word":"the","start":619.35,"end":619.50995,"confidence":0.9993199,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13174839317798617},{"word":"interest","start":619.50995,"end":619.91,"confidence":0.9987399,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.06595931947231293},{"word":"repayment","start":619.91,"end":620.41,"confidence":0.6162778,"punctuated_word":"repayment","sentiment":"neutral","sentiment_score":0.05994764342904091},{"word":"you'd","start":620.47,"end":620.70996,"confidence":0.9994018,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.1090499758720398},{"word":"be","start":620.70996,"end":620.87,"confidence":0.99982184,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12930801510810852},{"word":"making","start":620.87,"end":621.19,"confidence":0.98146915,"punctuated_word":"making.","sentiment":"neutral","sentiment_score":0.08246561884880066},{"word":"so","start":621.19,"end":621.35,"confidence":0.9996594,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09118729084730148},{"word":"that's","start":621.35,"end":621.50995,"confidence":0.9992739,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.09990480542182922},{"word":"something","start":621.50995,"end":621.75,"confidence":0.9989741,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.07492172718048096},{"word":"you","start":621.75,"end":621.91,"confidence":0.9987464,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07699074596166611},{"word":"can","start":621.91,"end":622.06995,"confidence":0.99475443,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0788402333855629},{"word":"look","start":622.06995,"end":622.23,"confidence":0.99976176,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04020010679960251},{"word":"into","start":622.23,"end":622.47,"confidence":0.99954563,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.03892003744840622},{"word":"as","start":622.47,"end":622.70996,"confidence":0.9997063,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03512564301490784},{"word":"well","start":622.70996,"end":622.94995,"confidence":0.99995613,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.07552097737789154},{"word":"if","start":622.94995,"end":623.11,"confidence":0.56463504,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.016228631138801575},{"word":"you're","start":623.11,"end":623.26996,"confidence":0.8978324,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.03348471224308014},{"word":"not","start":623.26996,"end":623.43,"confidence":0.99987423,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06775112450122833},{"word":"really","start":623.43,"end":623.67,"confidence":0.99956816,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.12007218599319458},{"word":"got","start":623.67,"end":623.82996,"confidence":0.878008,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.13752150535583496},{"word":"in","start":623.82996,"end":623.94995,"confidence":0.91793543,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1879080832004547},{"word":"a","start":623.94995,"end":624.06995,"confidence":0.98273784,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13689754903316498},{"word":"high","start":624.06995,"end":624.31,"confidence":0.9978848,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.18911077082157135},{"word":"interest","start":624.31,"end":624.63,"confidence":0.99986625,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.28476816415786743},{"word":"or","start":624.63,"end":624.79,"confidence":0.9764065,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.17389792203903198},{"word":"not","start":624.79,"end":624.94995,"confidence":0.9990068,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.15363579988479614},{"word":"doing","start":624.94995,"end":625.19,"confidence":0.99988663,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.20399335026741028},{"word":"much","start":625.19,"end":625.43,"confidence":0.99980694,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.15680234134197235},{"word":"with","start":625.43,"end":625.58997,"confidence":0.99969304,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1718602478504181},{"word":"it","start":625.58997,"end":625.875,"confidence":0.99622655,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.1157771497964859},{"word":"i'm","start":626.435,"end":626.675,"confidence":0.9800916,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.02322310209274292},{"word":"assuming","start":626.675,"end":627.155,"confidence":0.9974146,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.002608511596918106},{"word":"your","start":627.155,"end":627.395,"confidence":0.9986212,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06614718586206436},{"word":"home","start":627.395,"end":627.635,"confidence":0.9994653,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.05624321103096008},{"word":"rate","start":627.635,"end":627.875,"confidence":0.9888948,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.015261106193065643},{"word":"is","start":627.875,"end":628.115,"confidence":0.99976295,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03004082292318344},{"word":"probably","start":628.115,"end":628.435,"confidence":0.9996563,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.028853237628936768},{"word":"up","start":628.435,"end":628.595,"confidence":0.9959336,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.013017043471336365},{"word":"around","start":628.595,"end":628.835,"confidence":0.9986785,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.002054847776889801},{"word":"that","start":628.835,"end":628.995,"confidence":0.9788968,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02469516545534134},{"word":"sort","start":628.995,"end":629.235,"confidence":0.99159265,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.05655481293797493},{"word":"of","start":629.235,"end":629.395,"confidence":0.9962877,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02047138661146164},{"word":"five","start":629.395,"end":629.895,"confidence":0.8279289,"punctuated_word":"five,","sentiment":"neutral","sentiment_score":-0.0010165050625801086},{"word":"maybe","start":630.115,"end":630.435,"confidence":0.9995091,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.002633616328239441},{"word":"sort","start":630.435,"end":630.675,"confidence":0.9039691,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.01183699071407318},{"word":"of","start":630.675,"end":630.835,"confidence":0.9461683,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.010165423154830933},{"word":"5%","start":630.835,"end":632.275,"confidence":0.9603598,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.014431294053792952},{"word":"mark","start":632.275,"end":632.595,"confidence":0.9841271,"punctuated_word":"mark","sentiment":"neutral","sentiment_score":0.01730683445930481},{"word":"in","start":632.595,"end":632.755,"confidence":0.96689826,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.001531347632408142},{"word":"terms","start":632.755,"end":632.995,"confidence":0.99994695,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.01972033828496933},{"word":"of","start":632.995,"end":633.155,"confidence":0.9537148,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.009764693677425385},{"word":"like","start":633.155,"end":633.315,"confidence":0.99857783,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.00031223148107528687},{"word":"what","start":633.315,"end":633.475,"confidence":0.99986374,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0005811303853988647},{"word":"you're","start":633.475,"end":633.795,"confidence":0.85013616,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.017455507069826126},{"word":"paying","start":633.795,"end":634.295,"confidence":0.9644715,"punctuated_word":"paying.","sentiment":"neutral","sentiment_score":-0.0367257222533226},{"word":"yeah","start":640.29004,"end":640.79004,"confidence":0.9780526,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0625552386045456},{"word":"which","start":641.41003,"end":641.91003,"confidence":0.9580383,"punctuated_word":"Which","sentiment":"neutral","sentiment_score":0.042611535638570786},{"word":"which","start":642.29004,"end":642.53,"confidence":0.95210344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0446353480219841},{"word":"is","start":642.53,"end":643.03,"confidence":0.9183565,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.04532044753432274},{"word":"yeah","start":643.81,"end":644.13,"confidence":0.9952785,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1042485237121582},{"word":"which","start":644.13,"end":644.37,"confidence":0.9982516,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.13871881365776062},{"word":"is","start":644.37,"end":644.61,"confidence":0.9997563,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09809697419404984},{"word":"definitely","start":644.61,"end":645.11,"confidence":0.99782264,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.1249256581068039},{"word":"higher","start":645.17004,"end":645.49,"confidence":0.999355,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.10229425877332687},{"word":"than","start":645.49,"end":645.65,"confidence":0.99980694,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.05499859154224396},{"word":"what","start":645.65,"end":645.89,"confidence":0.99969757,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09304195642471312},{"word":"you'd","start":645.89,"end":646.05,"confidence":0.9996084,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.055052634328603745},{"word":"be","start":646.05,"end":646.21,"confidence":0.99980885,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03598201274871826},{"word":"getting","start":646.21,"end":646.53,"confidence":0.9996973,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.019353553652763367},{"word":"currently","start":646.53,"end":646.93,"confidence":0.9951787,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.08680491149425507},{"word":"at","start":646.93,"end":647.09,"confidence":0.74273044,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.034188464283943176},{"word":"least","start":647.09,"end":647.33,"confidence":0.78825593,"punctuated_word":"least,","sentiment":"neutral","sentiment_score":0.013426877558231354},{"word":"not","start":647.33,"end":647.57,"confidence":0.99968886,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.011171288788318634},{"word":"being","start":647.57,"end":647.81,"confidence":0.9993814,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.04346197098493576},{"word":"in","start":647.81,"end":647.89,"confidence":0.8676765,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.0563809834420681},{"word":"like","start":647.89,"end":648.05,"confidence":0.9989809,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0772915631532669},{"word":"a","start":648.05,"end":648.13,"confidence":0.99962556,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0762035995721817},{"word":"high","start":648.13,"end":648.29004,"confidence":0.9938153,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.0689360573887825},{"word":"interest","start":648.29004,"end":648.69,"confidence":0.9995166,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.09382221847772598},{"word":"saver","start":648.69,"end":649.01,"confidence":0.99302644,"punctuated_word":"saver","sentiment":"neutral","sentiment_score":-0.0640171617269516},{"word":"or","start":649.01,"end":649.17004,"confidence":0.8740305,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":-0.08270721882581711},{"word":"like","start":649.17004,"end":649.41003,"confidence":0.9994097,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.06087525933980942},{"word":"a","start":649.41003,"end":649.57,"confidence":0.9986119,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015692368149757385},{"word":"term","start":649.57,"end":649.81,"confidence":0.9939167,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.05255986750125885},{"word":"deposit","start":649.81,"end":650.21,"confidence":0.9997061,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":-0.03694562613964081},{"word":"and","start":650.21,"end":650.29004,"confidence":0.99297684,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02437540888786316},{"word":"things","start":650.29004,"end":650.53,"confidence":0.9999157,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.01237991452217102},{"word":"like","start":650.53,"end":650.69,"confidence":0.99951875,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.006400935351848602},{"word":"that","start":650.69,"end":650.85004,"confidence":0.9998271,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08265441656112671},{"word":"as","start":650.85004,"end":651.09,"confidence":0.9998499,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09928656369447708},{"word":"well","start":651.09,"end":651.57,"confidence":0.994035,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.07763367146253586},{"word":"so","start":651.57,"end":651.73004,"confidence":0.99709177,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10001196712255478},{"word":"you","start":651.73004,"end":651.81,"confidence":0.98914206,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11789694428443909},{"word":"could","start":651.81,"end":652.05,"confidence":0.9981439,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.17571768164634705},{"word":"be","start":652.05,"end":652.29004,"confidence":0.8232807,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12680301070213318},{"word":"offsetting","start":652.29004,"end":652.79004,"confidence":0.9910864,"punctuated_word":"offsetting,","sentiment":"neutral","sentiment_score":0.08304950594902039},{"word":"like","start":653.33,"end":653.83,"confidence":0.99901533,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0754735916852951},{"word":"the","start":653.945,"end":654.02496,"confidence":0.9993943,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07702699303627014},{"word":"interest","start":654.02496,"end":654.52496,"confidence":0.9996712,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.00346238911151886},{"word":"of","start":654.745,"end":654.985,"confidence":0.9816035,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.06234721839427948},{"word":"like","start":654.985,"end":655.46497,"confidence":0.99881154,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.09383855760097504},{"word":"four","start":655.46497,"end":655.705,"confidence":0.990288,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.09237050265073776},{"word":"to","start":655.705,"end":655.945,"confidence":0.958902,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04716668277978897},{"word":"5%","start":655.945,"end":656.765,"confidence":0.9997717,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.14990496635437012},{"word":"of","start":657.225,"end":657.385,"confidence":0.87318647,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10630590468645096},{"word":"your","start":657.385,"end":657.625,"confidence":0.9986921,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07863827794790268},{"word":"mortgage","start":657.625,"end":658.105,"confidence":0.99968934,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.006438776850700378},{"word":"as","start":658.105,"end":658.265,"confidence":0.9875409,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06460259109735489},{"word":"opposed","start":658.265,"end":658.505,"confidence":0.9993761,"punctuated_word":"opposed","sentiment":"neutral","sentiment_score":0.02250981330871582},{"word":"to","start":658.505,"end":658.665,"confidence":0.99885035,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005973495543003082},{"word":"getting","start":658.665,"end":658.90497,"confidence":0.98779196,"punctuated_word":"getting,","sentiment":"neutral","sentiment_score":0.04357609152793884},{"word":"you","start":658.90497,"end":659.065,"confidence":0.94457114,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04283805936574936},{"word":"know","start":659.065,"end":659.225,"confidence":0.9984946,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.06943204253911972},{"word":"like","start":659.225,"end":659.545,"confidence":0.96609414,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11918308585882188},{"word":"your","start":659.545,"end":659.785,"confidence":0.67636025,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1560724973678589},{"word":"two","start":659.785,"end":660.285,"confidence":0.9892805,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.15593567490577698},{"word":"two","start":660.505,"end":660.825,"confidence":0.8451894,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.11645235121250153},{"word":"point","start":660.825,"end":661.145,"confidence":0.9848991,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.16726285219192505},{"word":"something","start":661.145,"end":661.545,"confidence":0.9836168,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.11669814586639404},{"word":"percent","start":661.545,"end":662.045,"confidence":0.93793887,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.14172743260860443},{"word":"interest","start":662.265,"end":662.745,"confidence":0.9815331,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.09827268868684769},{"word":"earned","start":662.745,"end":662.985,"confidence":0.9111762,"punctuated_word":"earned","sentiment":"neutral","sentiment_score":0.07732837647199631},{"word":"on","start":662.985,"end":663.145,"confidence":0.99982774,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10019861161708832},{"word":"the","start":663.145,"end":663.385,"confidence":0.98074967,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09808123111724854},{"word":"the","start":663.385,"end":663.545,"confidence":0.68449706,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07774405926465988},{"word":"savings","start":663.545,"end":663.945,"confidence":0.99968576,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.021569490432739254},{"word":"account","start":663.945,"end":664.345,"confidence":0.89904654,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.050254009664058685},{"word":"if","start":664.345,"end":664.58496,"confidence":0.9992843,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08900335431098938},{"word":"that","start":664.58496,"end":664.745,"confidence":0.9998927,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07816207408905029},{"word":"makes","start":664.745,"end":664.985,"confidence":0.98083085,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.010682351887226105},{"word":"sense","start":664.985,"end":665.485,"confidence":0.9670637,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.02753440849483013},{"word":"so","start":668.36,"end":668.52,"confidence":0.9614718,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1240234076976776},{"word":"that's","start":668.52,"end":668.68,"confidence":0.9961715,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.13325802981853485},{"word":"another","start":668.68,"end":669.0,"confidence":0.9998872,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.11962203681468964},{"word":"thing","start":669.0,"end":669.32,"confidence":0.99983907,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.11930514872074129},{"word":"to","start":669.32,"end":669.72003,"confidence":0.9981927,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11274781823158264},{"word":"be","start":669.72003,"end":669.96,"confidence":0.9930345,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.11702786386013032},{"word":"be","start":669.96,"end":670.12,"confidence":0.84365666,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.12144635617733002},{"word":"mindful","start":670.12,"end":670.6,"confidence":0.9992434,"punctuated_word":"mindful","sentiment":"neutral","sentiment_score":-0.09224343299865724},{"word":"of","start":670.6,"end":670.68,"confidence":0.9904749,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09719646722078323},{"word":"and","start":670.68,"end":670.84,"confidence":0.9792204,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07252369821071625},{"word":"potentially","start":670.84,"end":671.34,"confidence":0.9983682,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":-0.06471534818410873},{"word":"look","start":671.4,"end":671.56,"confidence":0.97918254,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.08158180117607117},{"word":"into","start":671.56,"end":671.96,"confidence":0.9990633,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.07783199101686478},{"word":"there","start":671.96,"end":672.12,"confidence":0.91120225,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1268962919712067},{"word":"as","start":672.12,"end":672.28,"confidence":0.99989295,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06278213858604431},{"word":"well","start":672.28,"end":672.78,"confidence":0.999071,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.04542899876832962},{"word":"obviously","start":674.2,"end":674.44,"confidence":0.9698063,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.1355348527431488},{"word":"if","start":674.44,"end":674.52,"confidence":0.99752086,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1999443769454956},{"word":"you","start":674.52,"end":674.6,"confidence":0.9979929,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20908917486667633},{"word":"wanna","start":674.6,"end":674.84,"confidence":0.8240143,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2168393433094025},{"word":"have","start":674.84,"end":674.92004,"confidence":0.71936685,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.198613703250885},{"word":"a","start":674.92004,"end":675.0,"confidence":0.97186726,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22252289950847623},{"word":"bit","start":675.0,"end":675.16003,"confidence":0.99274594,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18025824427604675},{"word":"more","start":675.16003,"end":675.32,"confidence":0.9989637,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1611432433128357},{"word":"conversation","start":675.32,"end":675.72003,"confidence":0.91862714,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.1955546736717224},{"word":"around","start":675.72003,"end":675.96,"confidence":0.9981237,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.21657177805900577},{"word":"it","start":675.96,"end":676.12,"confidence":0.95047027,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1580035239458084},{"word":"or","start":676.12,"end":676.28,"confidence":0.95225805,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2102534770965576},{"word":"with","start":676.28,"end":676.44,"confidence":0.9995492,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2423251122236252},{"word":"your","start":676.44,"end":676.6,"confidence":0.999622,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2194848358631134},{"word":"partner","start":676.6,"end":676.92,"confidence":0.9982722,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.13756415247917175},{"word":"as","start":676.92,"end":677.08,"confidence":0.99922717,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20854508876800537},{"word":"well","start":677.08,"end":677.16003,"confidence":0.99682575,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.24549946188926697},{"word":"that's","start":677.16003,"end":677.48,"confidence":0.9997687,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.3879691958427429},{"word":"more","start":677.48,"end":677.64,"confidence":0.999716,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.3571447730064392},{"word":"than","start":677.64,"end":677.8,"confidence":0.99977654,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.3635284006595611},{"word":"fine","start":677.8,"end":677.96,"confidence":0.9343711,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.3359699249267578},{"word":"happy","start":677.96,"end":678.12,"confidence":0.9545514,"punctuated_word":"Happy","sentiment":"positive","sentiment_score":0.5508221983909607},{"word":"to","start":678.12,"end":678.28,"confidence":0.99842775,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5652926564216614},{"word":"have","start":678.28,"end":678.52,"confidence":0.99961156,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5327297449111938},{"word":"a","start":678.52,"end":678.6,"confidence":0.98739296,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5217404365539551},{"word":"a","start":678.6,"end":678.68,"confidence":0.6526161,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4691542983055115},{"word":"bit","start":678.68,"end":678.84,"confidence":0.9997174,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4542860984802246},{"word":"more","start":678.84,"end":679.08,"confidence":0.9990257,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.379299521446228},{"word":"of","start":679.08,"end":679.16003,"confidence":0.99942505,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.40373727679252625},{"word":"a","start":679.16003,"end":679.24,"confidence":0.99716765,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3881765604019165},{"word":"chat","start":679.24,"end":679.74,"confidence":0.8100812,"punctuated_word":"chat.","sentiment":"positive","sentiment_score":0.3891336917877197},{"word":"but","start":680.465,"end":680.545,"confidence":0.9549526,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.23218612372875216},{"word":"it","start":680.545,"end":680.705,"confidence":0.99901974,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14664462208747864},{"word":"seems","start":680.705,"end":680.865,"confidence":0.99977404,"punctuated_word":"seems","sentiment":"neutral","sentiment_score":0.18861210346221924},{"word":"like","start":680.865,"end":681.105,"confidence":0.9673614,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1866970807313919},{"word":"she","start":681.105,"end":681.34503,"confidence":0.99864584,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.13962680101394653},{"word":"does","start":681.34503,"end":681.505,"confidence":0.9999058,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.19005657732486725},{"word":"deal","start":681.505,"end":681.66504,"confidence":0.9992841,"punctuated_word":"deal","sentiment":"neutral","sentiment_score":0.17877191305160522},{"word":"with","start":681.66504,"end":681.985,"confidence":0.9996216,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22251304984092712},{"word":"a","start":681.985,"end":682.065,"confidence":0.93988985,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2253790646791458},{"word":"lot","start":682.065,"end":682.22504,"confidence":0.93462616,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.2376166731119156},{"word":"of","start":682.22504,"end":682.305,"confidence":0.9996978,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2700345814228058},{"word":"it","start":682.305,"end":682.385,"confidence":0.9997621,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.30185604095458984},{"word":"as","start":682.385,"end":682.545,"confidence":0.99996674,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2595939338207245},{"word":"well","start":682.545,"end":682.705,"confidence":0.90036213,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.28631144762039185},{"word":"so","start":682.705,"end":682.945,"confidence":0.9998159,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2727925479412079},{"word":"feel","start":682.945,"end":683.105,"confidence":0.99826944,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.1847876012325287},{"word":"free","start":683.105,"end":683.265,"confidence":0.9997029,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.2193644642829895},{"word":"just","start":683.265,"end":683.425,"confidence":0.9457481,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2558428943157196},{"word":"to","start":683.425,"end":683.585,"confidence":0.99844056,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24285587668418884},{"word":"mention","start":683.585,"end":683.825,"confidence":0.998838,"punctuated_word":"mention","sentiment":"neutral","sentiment_score":0.21180438995361328},{"word":"it","start":683.825,"end":683.985,"confidence":0.9995332,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2899625301361084},{"word":"to","start":683.985,"end":684.145,"confidence":0.9980209,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2579445242881775},{"word":"her","start":684.145,"end":684.645,"confidence":0.9991939,"punctuated_word":"her.","sentiment":"neutral","sentiment_score":0.20227375626564023},{"word":"and","start":689.265,"end":689.66504,"confidence":0.9524557,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.034231483936309814},{"word":"so","start":689.66504,"end":689.745,"confidence":0.82235616,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03155558556318283},{"word":"if","start":689.745,"end":689.905,"confidence":0.86203223,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02773165702819824},{"word":"you've","start":689.905,"end":690.145,"confidence":0.9918988,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.020034536719322205},{"word":"entered","start":690.145,"end":690.465,"confidence":0.6712299,"punctuated_word":"entered","sentiment":"neutral","sentiment_score":0.00610201433300972},{"word":"these","start":690.465,"end":690.705,"confidence":0.76004905,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.02118152566254139},{"word":"one","start":690.705,"end":690.865,"confidence":0.89110124,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.01940464973449707},{"word":"previously","start":690.865,"end":691.265,"confidence":0.9987502,"punctuated_word":"previously","sentiment":"neutral","sentiment_score":0.02431580424308777},{"word":"as","start":691.265,"end":691.425,"confidence":0.9991742,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05754057690501213},{"word":"well","start":691.425,"end":691.66504,"confidence":0.96476114,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.06036537140607834},{"word":"it's","start":691.66504,"end":691.905,"confidence":0.68738794,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.034213706851005554},{"word":"updated","start":691.905,"end":692.305,"confidence":0.73499113,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.021831318736076355},{"word":"the","start":692.305,"end":692.465,"confidence":0.97185564,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03970177844166756},{"word":"workbook","start":692.465,"end":692.865,"confidence":0.9966661,"punctuated_word":"workbook","sentiment":"neutral","sentiment_score":0.022590497508645058},{"word":"a","start":692.865,"end":692.945,"confidence":0.99957806,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009307263419032097},{"word":"little","start":692.945,"end":693.105,"confidence":0.9999515,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.015630193054676056},{"word":"bit","start":693.105,"end":693.265,"confidence":0.7475422,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.0025253556668758392},{"word":"but","start":693.265,"end":693.425,"confidence":0.98935854,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0010154694318771362},{"word":"you've","start":693.425,"end":693.66504,"confidence":0.9808693,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.05756605789065361},{"word":"now","start":693.66504,"end":693.905,"confidence":0.74545544,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.06498575955629349},{"word":"declared","start":693.905,"end":694.305,"confidence":0.99907887,"punctuated_word":"declared","sentiment":"neutral","sentiment_score":-0.07887589186429977},{"word":"bankruptcy","start":694.305,"end":694.78503,"confidence":0.99939,"punctuated_word":"bankruptcy","sentiment":"neutral","sentiment_score":-0.08327460289001465},{"word":"or","start":694.78503,"end":694.865,"confidence":0.99496514,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.09916700422763824},{"word":"a","start":694.865,"end":694.945,"confidence":0.9310225,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07050986588001251},{"word":"partner","start":694.945,"end":695.265,"confidence":0.5914172,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":-0.043531790375709534},{"word":"on","start":695.265,"end":695.425,"confidence":0.5968372,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.016582109034061432},{"word":"debt","start":695.425,"end":695.585,"confidence":0.9880867,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.07160952687263489},{"word":"agreement","start":695.585,"end":696.085,"confidence":0.80463594,"punctuated_word":"agreement?","sentiment":"neutral","sentiment_score":-0.01973089575767517},{"word":"yeah","start":697.57,"end":697.81,"confidence":0.98454183,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07557952404022217},{"word":"no","start":697.81,"end":697.97003,"confidence":0.9898405,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06116873025894165},{"word":"that's","start":697.97003,"end":698.21,"confidence":0.99946284,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.24671714007854464},{"word":"fine","start":698.21,"end":698.71,"confidence":0.999435,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.12071353197097778},{"word":"and","start":699.25,"end":699.57,"confidence":0.76589525,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.103755421936512},{"word":"as","start":699.57,"end":699.73004,"confidence":0.9981988,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15676437318325043},{"word":"far","start":699.73004,"end":699.97003,"confidence":0.9999131,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.09208128601312636},{"word":"as","start":699.97003,"end":700.05005,"confidence":0.99972755,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08784860372543335},{"word":"your","start":700.05005,"end":700.21,"confidence":0.99645585,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16360647976398468},{"word":"health's","start":700.21,"end":700.45,"confidence":0.87966293,"punctuated_word":"health's","sentiment":"neutral","sentiment_score":0.15614014863967896},{"word":"going","start":700.45,"end":700.69,"confidence":0.99886155,"punctuated_word":"going,","sentiment":"neutral","sentiment_score":0.12099098414182664},{"word":"you're","start":700.69,"end":700.85004,"confidence":0.999548,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.10241210460662842},{"word":"not","start":700.85004,"end":701.09,"confidence":0.9998869,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.01370328664779663},{"word":"sort","start":701.09,"end":701.25,"confidence":0.9948842,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.061618559062480927},{"word":"of","start":701.25,"end":701.33,"confidence":0.9996623,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.007678546011447907},{"word":"a","start":701.33,"end":701.49005,"confidence":0.9996306,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06847387552261353},{"word":"smoker","start":701.49005,"end":701.89,"confidence":0.9989729,"punctuated_word":"smoker","sentiment":"neutral","sentiment_score":-0.12767961621284485},{"word":"still","start":701.89,"end":702.29004,"confidence":0.7317091,"punctuated_word":"still,","sentiment":"neutral","sentiment_score":-0.04890981689095497},{"word":"no","start":702.29004,"end":702.61005,"confidence":0.85280955,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.0011704936623573303},{"word":"injuries","start":702.61005,"end":703.11005,"confidence":0.9688437,"punctuated_word":"injuries,","sentiment":"neutral","sentiment_score":-0.05480336770415306},{"word":"medications","start":703.17004,"end":703.67004,"confidence":0.997905,"punctuated_word":"medications","sentiment":"neutral","sentiment_score":0.00013768672943115234},{"word":"currently","start":703.73004,"end":704.23004,"confidence":0.9204742,"punctuated_word":"currently?","sentiment":"neutral","sentiment_score":-0.010524088516831398},{"word":"perfect","start":705.73004,"end":706.23004,"confidence":0.9259092,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4174152612686157},{"word":"and","start":706.29004,"end":706.79004,"confidence":0.99875295,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1422077119350433},{"word":"have","start":706.85004,"end":707.09,"confidence":0.9992483,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1242476999759674},{"word":"you","start":707.09,"end":707.33,"confidence":0.99956137,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14195555448532104},{"word":"got","start":707.33,"end":707.57,"confidence":0.99943405,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1340871304273605},{"word":"private","start":707.57,"end":707.89,"confidence":0.992878,"punctuated_word":"private","sentiment":"neutral","sentiment_score":0.1558655947446823},{"word":"health","start":707.89,"end":708.13,"confidence":0.9979678,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.1675657331943512},{"word":"cover","start":708.13,"end":708.37,"confidence":0.93998843,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.0986664742231369},{"word":"at","start":708.37,"end":708.45,"confidence":0.9995105,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0672006607055664},{"word":"the","start":708.45,"end":708.53,"confidence":0.99953973,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1202126294374466},{"word":"moment","start":708.53,"end":708.85004,"confidence":0.99992883,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.09434575587511064},{"word":"there","start":708.85004,"end":709.01,"confidence":0.9492983,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.11379803717136384},{"word":"danny","start":709.01,"end":709.51,"confidence":0.7557663,"punctuated_word":"Danny?","sentiment":"neutral","sentiment_score":0.10383249819278716},{"word":"no","start":712.79504,"end":712.955,"confidence":0.8652826,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05569665879011154},{"word":"that's","start":712.955,"end":713.195,"confidence":0.99302983,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2094062566757202},{"word":"fine","start":713.195,"end":713.695,"confidence":0.99713033,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.16657018661499023},{"word":"and","start":714.075,"end":714.315,"confidence":0.9994437,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06955286860466003},{"word":"then","start":714.315,"end":714.815,"confidence":0.9997795,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07941293716430664},{"word":"as","start":714.875,"end":715.115,"confidence":0.99563193,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04346293956041336},{"word":"far","start":715.115,"end":715.35504,"confidence":0.99978775,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.03406158834695816},{"word":"as","start":715.35504,"end":715.515,"confidence":0.9991326,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03637398034334183},{"word":"the","start":715.515,"end":715.675,"confidence":0.9963833,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.051230184733867645},{"word":"estate","start":715.675,"end":715.995,"confidence":0.9793331,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":-0.009616687893867493},{"word":"planning","start":715.995,"end":716.315,"confidence":0.9997862,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.03797515481710434},{"word":"side","start":716.315,"end":716.47504,"confidence":0.9924003,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.06695674359798431},{"word":"of","start":716.47504,"end":716.555,"confidence":0.9988544,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07324719429016113},{"word":"things","start":716.555,"end":716.875,"confidence":0.9990558,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07957174628973007},{"word":"goes","start":716.875,"end":717.115,"confidence":0.98308724,"punctuated_word":"goes,","sentiment":"neutral","sentiment_score":0.04861018806695938},{"word":"i","start":717.115,"end":717.275,"confidence":0.9995629,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.037111006677150726},{"word":"know","start":717.275,"end":717.35504,"confidence":0.9998989,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.026597879827022552},{"word":"you","start":717.35504,"end":717.675,"confidence":0.9997774,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.019948534667491913},{"word":"didn't","start":717.675,"end":717.835,"confidence":0.9999215,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.006248502992093563},{"word":"have","start":717.835,"end":718.075,"confidence":0.99984884,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.004144817590713501},{"word":"a","start":718.075,"end":718.155,"confidence":0.99936646,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.022186394780874252},{"word":"will","start":718.155,"end":718.395,"confidence":0.83506966,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.053550951182842255},{"word":"set","start":718.395,"end":718.555,"confidence":0.98928344,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.04128463193774223},{"word":"up","start":718.555,"end":718.715,"confidence":0.99988246,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.029324311763048172},{"word":"the","start":718.715,"end":718.875,"confidence":0.99936765,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.013814929872751236},{"word":"last","start":718.875,"end":719.03503,"confidence":0.9999796,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.02426670491695404},{"word":"time","start":719.03503,"end":719.195,"confidence":0.9998958,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.009981241077184675},{"word":"you","start":719.195,"end":719.35504,"confidence":0.9985806,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007602952420711517},{"word":"spoke","start":719.35504,"end":719.59503,"confidence":0.9999459,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.010553278028964996},{"word":"to","start":719.59503,"end":719.755,"confidence":0.9970732,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01850774884223938},{"word":"us","start":719.755,"end":719.835,"confidence":0.98202986,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.01268526166677475},{"word":"there","start":719.835,"end":719.995,"confidence":0.7819482,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.013829642906785011},{"word":"have","start":719.995,"end":720.155,"confidence":0.9981229,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.015802815556526184},{"word":"you","start":720.155,"end":720.315,"confidence":0.99972683,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02224468439817429},{"word":"managed","start":720.315,"end":720.635,"confidence":0.99843365,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.005485106259584427},{"word":"to","start":720.635,"end":720.715,"confidence":0.9997838,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00237903743982315},{"word":"get","start":720.715,"end":720.875,"confidence":0.99993455,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0018643438816070557},{"word":"around","start":720.875,"end":721.35504,"confidence":0.99963,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.0034773871302604675},{"word":"to","start":721.35504,"end":721.59503,"confidence":0.9927285,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004168625921010971},{"word":"looking","start":721.59503,"end":721.995,"confidence":0.99887305,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.0009276308119297028},{"word":"into","start":721.995,"end":722.395,"confidence":0.99896204,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.007347658276557922},{"word":"a","start":722.395,"end":722.555,"confidence":0.9722745,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02530023828148842},{"word":"will","start":722.555,"end":723.055,"confidence":0.90278924,"punctuated_word":"will?","sentiment":"neutral","sentiment_score":-0.04073644429445267},{"word":"yep","start":729.08,"end":729.32,"confidence":0.9039345,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.06562730669975281},{"word":"because","start":729.32,"end":729.82,"confidence":0.95955527,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.0571470707654953},{"word":"yeah","start":732.36005,"end":732.86005,"confidence":0.977466,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.006490157917141914},{"word":"we","start":732.92004,"end":733.24005,"confidence":0.9973023,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.03809191286563873},{"word":"don't","start":733.24005,"end":733.64,"confidence":0.99948025,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.04845098778605461},{"word":"draw","start":733.64,"end":734.04004,"confidence":0.99734974,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":-0.06336984783411026},{"word":"up","start":734.04004,"end":734.2,"confidence":0.5497311,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.10814327001571657},{"word":"wills","start":734.2,"end":734.44,"confidence":0.90635526,"punctuated_word":"wills.","sentiment":"neutral","sentiment_score":-0.1134864091873169},{"word":"we","start":734.44,"end":734.60004,"confidence":0.99856865,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.02441897988319397},{"word":"can","start":734.60004,"end":734.76,"confidence":0.78062445,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.005725257098674774},{"word":"have","start":734.76,"end":734.92004,"confidence":0.99959654,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.00009064376354217528},{"word":"conversations","start":734.92004,"end":735.42004,"confidence":0.99808073,"punctuated_word":"conversations","sentiment":"neutral","sentiment_score":0.015309400856494904},{"word":"around","start":735.56,"end":735.80005,"confidence":0.99493754,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.014550767838954926},{"word":"how","start":735.80005,"end":735.88,"confidence":0.99603516,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.0013820752501487732},{"word":"you","start":735.88,"end":735.96,"confidence":0.99815184,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013527914881706238},{"word":"can","start":735.96,"end":736.2,"confidence":0.99839526,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.01438247412443161},{"word":"split","start":736.2,"end":736.44,"confidence":0.9990023,"punctuated_word":"split","sentiment":"neutral","sentiment_score":-0.009577065706253052},{"word":"your","start":736.44,"end":736.665,"confidence":0.9965707,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.012332729995250702},{"word":"estates","start":736.745,"end":736.90497,"confidence":0.5350122,"punctuated_word":"estates","sentiment":"neutral","sentiment_score":-0.01046200841665268},{"word":"and","start":736.90497,"end":737.065,"confidence":0.99252844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03519684076309204},{"word":"things","start":737.065,"end":737.14496,"confidence":0.99956733,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.0195419043302536},{"word":"like","start":737.14496,"end":737.305,"confidence":0.97483224,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.024320043623447415},{"word":"that","start":737.305,"end":737.46497,"confidence":0.99938655,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0018557310104370115},{"word":"and","start":737.46497,"end":737.625,"confidence":0.9017183,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03069157898426056},{"word":"have","start":737.625,"end":737.70496,"confidence":0.999458,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.027451492846012115},{"word":"a","start":737.70496,"end":737.785,"confidence":0.9994029,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026256542652845383},{"word":"general","start":737.785,"end":738.105,"confidence":0.99967575,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.025632858276367188},{"word":"sort","start":738.105,"end":738.26495,"confidence":0.99381083,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.006214797496795654},{"word":"of","start":738.26495,"end":738.345,"confidence":0.97717994,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04091557860374451},{"word":"discussion","start":738.345,"end":738.745,"confidence":0.99936205,"punctuated_word":"discussion","sentiment":"neutral","sentiment_score":0.05021648854017258},{"word":"on","start":738.745,"end":738.90497,"confidence":0.9997509,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.033900752663612366},{"word":"how","start":738.90497,"end":739.065,"confidence":0.99972767,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.021727509796619415},{"word":"you","start":739.065,"end":739.225,"confidence":0.99961877,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02969914674758911},{"word":"might","start":739.225,"end":739.305,"confidence":0.99972004,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.0235600546002388},{"word":"wanna","start":739.305,"end":739.545,"confidence":0.9061787,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0389239676296711},{"word":"split","start":739.545,"end":739.785,"confidence":0.99899775,"punctuated_word":"split","sentiment":"neutral","sentiment_score":-0.0032264292240142822},{"word":"it","start":739.785,"end":740.285,"confidence":0.9987742,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.03846043348312378},{"word":"obviously","start":740.345,"end":740.745,"confidence":0.9906273,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.020637985318899155},{"word":"with","start":740.745,"end":740.90497,"confidence":0.9996593,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03260435163974762},{"word":"the","start":740.90497,"end":741.065,"confidence":0.99467814,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01919606328010559},{"word":"young","start":741.065,"end":741.38495,"confidence":0.9991787,"punctuated_word":"young","sentiment":"neutral","sentiment_score":-0.02604583650827408},{"word":"family","start":741.38495,"end":741.70496,"confidence":0.99986815,"punctuated_word":"family","sentiment":"neutral","sentiment_score":-0.000209711492061615},{"word":"and","start":741.70496,"end":741.785,"confidence":0.9976283,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0398470014333725},{"word":"your","start":741.785,"end":742.02496,"confidence":0.9998522,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04890020936727524},{"word":"partner","start":742.02496,"end":742.345,"confidence":0.95626557,"punctuated_word":"partner,","sentiment":"neutral","sentiment_score":-0.05105213075876236},{"word":"generally","start":742.345,"end":742.745,"confidence":0.9987918,"punctuated_word":"generally,","sentiment":"neutral","sentiment_score":-0.04035906493663788},{"word":"you","start":742.745,"end":742.905,"confidence":0.99930286,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025774240493774418},{"word":"know","start":742.905,"end":743.065,"confidence":0.9966568,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.022324223071336743},{"word":"you","start":743.065,"end":743.225,"confidence":0.99896705,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02014341950416565},{"word":"just","start":743.225,"end":743.38495,"confidence":0.99730957,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03448305279016495},{"word":"leave","start":743.38495,"end":743.625,"confidence":0.9997249,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.0838986337184906},{"word":"it","start":743.625,"end":743.70496,"confidence":0.99837494,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06543394923210144},{"word":"to","start":743.70496,"end":743.865,"confidence":0.99535996,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07390695810317993},{"word":"your","start":743.865,"end":744.02496,"confidence":0.9950722,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06782963871955872},{"word":"spouse","start":744.02496,"end":744.345,"confidence":0.69440246,"punctuated_word":"spouse.","sentiment":"neutral","sentiment_score":-0.04085901007056236},{"word":"and","start":744.345,"end":744.505,"confidence":0.99951386,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.012059442698955536},{"word":"then","start":744.505,"end":744.745,"confidence":0.98302305,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.032512467354536057},{"word":"like","start":744.745,"end":744.985,"confidence":0.99783444,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.05411647632718086},{"word":"worst","start":744.985,"end":745.225,"confidence":0.99410266,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":-0.10637529194355012},{"word":"case","start":745.225,"end":745.46497,"confidence":0.99931526,"punctuated_word":"case","sentiment":"neutral","sentiment_score":-0.08048896491527557},{"word":"scenario","start":745.46497,"end":745.945,"confidence":0.97918725,"punctuated_word":"scenario,","sentiment":"neutral","sentiment_score":-0.07255829870700836},{"word":"there'd","start":745.945,"end":746.105,"confidence":0.78760874,"punctuated_word":"there'd","sentiment":"neutral","sentiment_score":-0.07173195481300354},{"word":"be","start":746.105,"end":746.345,"confidence":0.88839424,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":-0.07626700401306152},{"word":"like","start":746.345,"end":746.505,"confidence":0.9983349,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.07495832443237305},{"word":"someone","start":746.505,"end":746.745,"confidence":0.99969876,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":-0.05067934840917587},{"word":"else","start":746.745,"end":746.985,"confidence":0.99987113,"punctuated_word":"else","sentiment":"neutral","sentiment_score":-0.05065322667360306},{"word":"that","start":746.985,"end":747.14496,"confidence":0.99950206,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05146831274032593},{"word":"would","start":747.14496,"end":747.305,"confidence":0.99946886,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.06647061556577682},{"word":"look","start":747.305,"end":747.46497,"confidence":0.998137,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.08146199584007263},{"word":"after","start":747.46497,"end":747.70496,"confidence":0.9450594,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.08313535153865814},{"word":"potentially","start":747.70496,"end":748.105,"confidence":0.88315153,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":-0.06742870062589645},{"word":"the","start":748.105,"end":748.185,"confidence":0.66841364,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06129760295152664},{"word":"children","start":748.185,"end":748.58496,"confidence":0.80161726,"punctuated_word":"children.","sentiment":"neutral","sentiment_score":-0.0682625100016594},{"word":"they'd","start":748.58496,"end":748.745,"confidence":0.97724664,"punctuated_word":"They'd","sentiment":"neutral","sentiment_score":-0.039300356060266495},{"word":"get","start":748.745,"end":749.1,"confidence":0.99497163,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.033477455377578735},{"word":"you","start":749.25995,"end":749.5,"confidence":0.9998621,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04070005193352699},{"word":"know","start":749.5,"end":749.57996,"confidence":0.99984527,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0318562388420105},{"word":"as","start":749.57996,"end":749.81995,"confidence":0.999814,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03445269539952278},{"word":"they","start":749.81995,"end":750.06,"confidence":0.9990388,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.0305747352540493},{"word":"come","start":750.06,"end":750.3,"confidence":0.9998084,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.03490857034921646},{"word":"of","start":750.3,"end":750.38,"confidence":0.9976178,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03927997127175331},{"word":"age","start":750.38,"end":750.69995,"confidence":0.99876606,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.06747358292341232},{"word":"type","start":750.69995,"end":750.94,"confidence":0.99388593,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.07857410609722137},{"word":"deal","start":750.94,"end":751.44,"confidence":0.9819858,"punctuated_word":"deal,","sentiment":"neutral","sentiment_score":-0.0035403985530138016},{"word":"which","start":751.57996,"end":751.81995,"confidence":0.700012,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.011974383145570757},{"word":"a","start":751.81995,"end":751.89996,"confidence":0.63427275,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0007259882986545563},{"word":"lawyer","start":751.89996,"end":752.3,"confidence":0.98700744,"punctuated_word":"lawyer","sentiment":"neutral","sentiment_score":0.02699100598692894},{"word":"all","start":752.3,"end":752.45996,"confidence":0.85192406,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.04806595295667648},{"word":"can","start":752.45996,"end":752.69995,"confidence":0.9993716,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06724266707897186},{"word":"do","start":752.69995,"end":753.1,"confidence":0.99447715,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.05904966592788696},{"word":"we","start":753.1,"end":753.18,"confidence":0.99979967,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.05608576536178589},{"word":"can","start":753.18,"end":753.42,"confidence":0.9999356,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07377798855304718},{"word":"send","start":753.42,"end":753.57996,"confidence":0.99983215,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.06287511438131332},{"word":"you","start":753.57996,"end":753.81995,"confidence":0.99960417,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06357337534427643},{"word":"through","start":753.81995,"end":754.06,"confidence":0.999858,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06241252273321152},{"word":"just","start":754.06,"end":754.22,"confidence":0.99854976,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05334554985165596},{"word":"a","start":754.22,"end":754.38,"confidence":0.8007,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05042151361703873},{"word":"local","start":754.38,"end":754.77997,"confidence":0.9997669,"punctuated_word":"local","sentiment":"neutral","sentiment_score":0.058017000555992126},{"word":"solicitor's","start":754.77997,"end":755.27997,"confidence":0.9489305,"punctuated_word":"solicitor's","sentiment":"neutral","sentiment_score":0.06413144618272781},{"word":"information","start":755.42,"end":755.92,"confidence":0.99969065,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.052929505705833435},{"word":"booklet","start":755.98,"end":756.38,"confidence":0.99034554,"punctuated_word":"booklet","sentiment":"neutral","sentiment_score":0.061401091516017914},{"word":"on","start":756.38,"end":756.54,"confidence":0.99923134,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06797225773334503},{"word":"their","start":756.54,"end":756.69995,"confidence":0.9937715,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.059842128306627274},{"word":"general","start":756.69995,"end":757.01996,"confidence":0.99995816,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.09608413279056548},{"word":"pricing","start":757.01996,"end":757.42,"confidence":0.9993187,"punctuated_word":"pricing","sentiment":"neutral","sentiment_score":0.06134260445833206},{"word":"a","start":757.42,"end":757.5,"confidence":0.7257932,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03840961307287216},{"word":"little","start":757.5,"end":757.66,"confidence":0.99995995,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.021029263734817505},{"word":"bit","start":757.66,"end":757.81995,"confidence":0.99973637,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.026119187474250793},{"word":"more","start":757.81995,"end":758.06,"confidence":0.9997358,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.04076427221298218},{"word":"about","start":758.06,"end":758.3,"confidence":0.9998118,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.051784634590148926},{"word":"wills","start":758.3,"end":758.45996,"confidence":0.93784124,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":0.03564305603504181},{"word":"and","start":758.45996,"end":758.69995,"confidence":0.97313976,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.054366275668144226},{"word":"estates","start":758.69995,"end":759.19995,"confidence":0.95148957,"punctuated_word":"estates.","sentiment":"neutral","sentiment_score":0.05326532945036888},{"word":"and","start":759.66,"end":759.81995,"confidence":0.9991165,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05471348389983177},{"word":"then","start":759.81995,"end":760.31995,"confidence":0.9996486,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05211387202143669},{"word":"the","start":761.01996,"end":761.18,"confidence":0.99449074,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0525653101503849},{"word":"other","start":761.18,"end":761.42,"confidence":0.9990044,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.04427201300859451},{"word":"thing","start":761.42,"end":761.66,"confidence":0.99969375,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.04700335115194321},{"word":"you","start":761.66,"end":761.74,"confidence":0.99887544,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05009913444519043},{"word":"can","start":761.74,"end":761.89996,"confidence":0.9997712,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05238273739814758},{"word":"look","start":761.89996,"end":762.13995,"confidence":0.9989429,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03757252171635628},{"word":"to","start":762.13995,"end":762.3,"confidence":0.994294,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.034240949898958206},{"word":"potentially","start":762.3,"end":762.77997,"confidence":0.9986816,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.02567043900489807},{"word":"do","start":762.77997,"end":763.01996,"confidence":0.99905723,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.020002450793981552},{"word":"is","start":763.01996,"end":763.51996,"confidence":0.99805534,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03027318045496941},{"word":"if","start":763.755,"end":763.915,"confidence":0.9915018,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0260714590549469},{"word":"you're","start":763.915,"end":764.075,"confidence":0.99502814,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0101937185972929},{"word":"just","start":764.075,"end":764.235,"confidence":0.99952304,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.013018675148487093},{"word":"looking","start":764.235,"end":764.475,"confidence":0.9992567,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.02077353373169899},{"word":"to","start":764.475,"end":764.715,"confidence":0.7920016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02068750187754631},{"word":"get","start":764.715,"end":764.795,"confidence":0.7763781,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.01449383795261383},{"word":"a","start":764.795,"end":764.955,"confidence":0.557291,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.019528726115822792},{"word":"slot","start":764.955,"end":765.275,"confidence":0.37770855,"punctuated_word":"slot","sentiment":"neutral","sentiment_score":0.014134518802165983},{"word":"together","start":765.275,"end":765.515,"confidence":0.9782476,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.026763461530208588},{"word":"one","start":765.515,"end":765.675,"confidence":0.63042736,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.027266569435596463},{"word":"is","start":765.675,"end":765.915,"confidence":0.5872858,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02973896637558937},{"word":"just","start":765.915,"end":766.075,"confidence":0.9957944,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03391927480697632},{"word":"like","start":766.075,"end":766.235,"confidence":0.9078423,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.021264873445034027},{"word":"a","start":766.235,"end":766.315,"confidence":0.997785,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.033644355833530426},{"word":"post","start":766.315,"end":766.555,"confidence":0.9973405,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.016820773482322693},{"word":"office","start":766.555,"end":766.875,"confidence":0.9956779,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.02477024495601654},{"word":"full","start":766.875,"end":767.03503,"confidence":0.3909984,"punctuated_word":"full,","sentiment":"neutral","sentiment_score":0.03889588266611099},{"word":"they're","start":767.03503,"end":767.195,"confidence":0.9825004,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.0630132257938385},{"word":"generally","start":767.195,"end":767.355,"confidence":0.88165593,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.07279860973358154},{"word":"a","start":767.355,"end":767.515,"confidence":0.9829768,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11297129094600676},{"word":"lot","start":767.515,"end":767.755,"confidence":0.99946374,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.09730538725852966},{"word":"cheaper","start":767.755,"end":768.255,"confidence":0.9284307,"punctuated_word":"cheaper,","sentiment":"neutral","sentiment_score":0.051416873931884766},{"word":"not","start":768.475,"end":768.715,"confidence":0.9975661,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.008908815681934357},{"word":"as","start":768.715,"end":768.875,"confidence":0.98506284,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.009422771632671356},{"word":"ironclad","start":768.875,"end":769.375,"confidence":0.8133233,"punctuated_word":"ironclad.","sentiment":"neutral","sentiment_score":0.01362891122698784},{"word":"but","start":770.155,"end":770.315,"confidence":0.80511755,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.005550023168325424},{"word":"in","start":770.315,"end":770.475,"confidence":0.9509066,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0071894321590662},{"word":"saying","start":770.475,"end":770.795,"confidence":0.9986915,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.007512908428907394},{"word":"that","start":770.795,"end":771.295,"confidence":0.99924016,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.00575125589966774},{"word":"yeah","start":771.755,"end":772.255,"confidence":0.9903629,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.007396882399916649},{"word":"no","start":779.45,"end":779.85004,"confidence":0.749444,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17576727271080017},{"word":"and","start":779.85004,"end":780.09,"confidence":0.99433786,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.16067053377628326},{"word":"even","start":780.09,"end":780.33,"confidence":0.9991492,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.15893681347370148},{"word":"then","start":780.33,"end":780.73004,"confidence":0.98306376,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.15910586714744568},{"word":"like","start":780.73004,"end":781.13,"confidence":0.9536977,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.18217116594314575},{"word":"even","start":781.13,"end":781.37,"confidence":0.99928504,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.15634138882160187},{"word":"if","start":781.37,"end":781.45,"confidence":0.99961156,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.15330946445465088},{"word":"you've","start":781.45,"end":781.69,"confidence":0.99897623,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.13008572161197662},{"word":"got","start":781.69,"end":781.85004,"confidence":0.9191129,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":-0.1558818221092224},{"word":"like","start":781.85004,"end":782.17004,"confidence":0.9984639,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.14342162013053894},{"word":"a","start":782.17004,"end":782.33,"confidence":0.99126023,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13666552305221558},{"word":"will","start":782.33,"end":782.65,"confidence":0.44661823,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.1711793690919876},{"word":"set","start":782.65,"end":782.81,"confidence":0.9798947,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.12567512691020966},{"word":"up","start":782.81,"end":782.97003,"confidence":0.9992773,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1139569878578186},{"word":"by","start":782.97003,"end":783.21,"confidence":0.99756926,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.12274570763111116},{"word":"a","start":783.21,"end":783.37,"confidence":0.97040063,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12144521623849867},{"word":"solicitor","start":783.37,"end":783.87,"confidence":0.99458927,"punctuated_word":"solicitor,","sentiment":"neutral","sentiment_score":-0.1195538491010666},{"word":"the","start":783.93,"end":784.43,"confidence":0.9965879,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1588851809501648},{"word":"the","start":784.57,"end":784.73004,"confidence":0.88081414,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16418564319610596},{"word":"likelihood","start":784.73004,"end":785.21,"confidence":0.9966979,"punctuated_word":"likelihood","sentiment":"neutral","sentiment_score":-0.2183694839477539},{"word":"is","start":785.21,"end":785.45,"confidence":0.9973449,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.19321274757385257},{"word":"is","start":785.45,"end":785.61005,"confidence":0.86777544,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.1864816248416901},{"word":"like","start":785.61005,"end":785.85004,"confidence":0.9988072,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1660689115524292},{"word":"if","start":785.85004,"end":786.01,"confidence":0.9995009,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1748434603214264},{"word":"someone","start":786.01,"end":786.33,"confidence":0.99986935,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":-0.1254204362630844},{"word":"comes","start":786.33,"end":786.49,"confidence":0.99971765,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.11952561140060423},{"word":"out","start":786.49,"end":786.65,"confidence":0.999438,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1516316533088684},{"word":"of","start":786.65,"end":786.73004,"confidence":0.9990422,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15101358294487},{"word":"the","start":786.73004,"end":786.81,"confidence":0.9982022,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16131269931793213},{"word":"woodwork","start":786.81,"end":787.29004,"confidence":0.98794794,"punctuated_word":"woodwork,","sentiment":"neutral","sentiment_score":-0.14319391548633575},{"word":"you","start":787.29004,"end":787.37,"confidence":0.9815129,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16954566538333893},{"word":"know","start":787.37,"end":787.45,"confidence":0.9926212,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.14994555711746216},{"word":"your","start":787.45,"end":787.815,"confidence":0.6914342,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1964177638292313},{"word":"next","start":787.815,"end":787.975,"confidence":0.9953642,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.17265582084655762},{"word":"spouse","start":787.975,"end":788.215,"confidence":0.94229174,"punctuated_word":"spouse,","sentiment":"neutral","sentiment_score":-0.13263171911239624},{"word":"there's","start":788.215,"end":788.295,"confidence":0.99873203,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.15660926699638367},{"word":"a","start":788.295,"end":788.615,"confidence":0.99537414,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14321932196617126},{"word":"separation","start":788.615,"end":789.09503,"confidence":0.98148024,"punctuated_word":"separation,","sentiment":"neutral","sentiment_score":-0.17708677053451538},{"word":"things","start":789.09503,"end":789.335,"confidence":0.9981834,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.1627633422613144},{"word":"like","start":789.335,"end":789.575,"confidence":0.99973255,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.14526793360710144},{"word":"that","start":789.575,"end":789.815,"confidence":0.9106071,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.14544066786766052},{"word":"and","start":789.815,"end":789.975,"confidence":0.7565496,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1340649425983429},{"word":"people","start":789.975,"end":790.295,"confidence":0.9995316,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.14380855858325958},{"word":"tend","start":790.295,"end":790.615,"confidence":0.9454403,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.10697685182094574},{"word":"to","start":790.615,"end":790.775,"confidence":0.99855906,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1194922775030136},{"word":"claim","start":790.775,"end":791.255,"confidence":0.9987332,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.16545960307121277},{"word":"anyway","start":791.255,"end":791.755,"confidence":0.9902928,"punctuated_word":"anyway","sentiment":"neutral","sentiment_score":-0.1904829144477844},{"word":"and","start":792.455,"end":792.695,"confidence":0.8874586,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.16888825595378876},{"word":"like","start":792.695,"end":793.015,"confidence":0.9992069,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1788363754749298},{"word":"challenge","start":793.015,"end":793.415,"confidence":0.99221534,"punctuated_word":"challenge","sentiment":"neutral","sentiment_score":-0.20501285791397095},{"word":"the","start":793.415,"end":793.575,"confidence":0.916035,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2385992407798767},{"word":"estates","start":793.575,"end":794.075,"confidence":0.82681096,"punctuated_word":"estates.","sentiment":"neutral","sentiment_score":-0.19457249343395233},{"word":"so","start":794.215,"end":794.715,"confidence":0.9982015,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10233490914106368},{"word":"even","start":794.855,"end":795.175,"confidence":0.9974554,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.1423097401857376},{"word":"with","start":795.175,"end":795.415,"confidence":0.99985576,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.17007306218147278},{"word":"with","start":795.415,"end":795.655,"confidence":0.9930876,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.17611806094646454},{"word":"a","start":795.655,"end":795.815,"confidence":0.92408365,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16883021593093872},{"word":"will","start":795.815,"end":796.055,"confidence":0.9916587,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":-0.2044290006160736},{"word":"it","start":796.055,"end":796.215,"confidence":0.9957898,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1994580030441284},{"word":"can","start":796.215,"end":796.455,"confidence":0.9996904,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.20069576799869537},{"word":"sort","start":796.455,"end":796.695,"confidence":0.99447787,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.24049797654151917},{"word":"of","start":796.695,"end":796.855,"confidence":0.9754098,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.22202342748641968},{"word":"be","start":796.855,"end":797.09503,"confidence":0.99858093,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1968013346195221},{"word":"tied","start":797.09503,"end":797.335,"confidence":0.99766636,"punctuated_word":"tied","sentiment":"neutral","sentiment_score":-0.22441621124744415},{"word":"up","start":797.335,"end":797.495,"confidence":0.9997106,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.2353879064321518},{"word":"sort","start":797.495,"end":797.655,"confidence":0.96517164,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.2580738067626953},{"word":"of","start":797.655,"end":797.735,"confidence":0.95265734,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.27704015374183655},{"word":"thing","start":797.735,"end":797.895,"confidence":0.84607667,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.10434044152498244},{"word":"and","start":797.895,"end":798.055,"confidence":0.99887174,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.11764207482337952},{"word":"when","start":798.055,"end":798.215,"confidence":0.9995028,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.16034317016601562},{"word":"there's","start":798.215,"end":798.455,"confidence":0.9995494,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.20582687854766848},{"word":"not","start":798.455,"end":798.615,"confidence":0.9988814,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2069658488035202},{"word":"a","start":798.615,"end":798.695,"confidence":0.9997762,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2879101634025574},{"word":"will","start":798.695,"end":798.855,"confidence":0.99753296,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":-0.26060616970062256},{"word":"it","start":798.855,"end":799.015,"confidence":0.9996427,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.30138295888900757},{"word":"just","start":799.015,"end":799.175,"confidence":0.99950755,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.30413058400154114},{"word":"gets","start":799.175,"end":799.415,"confidence":0.9997421,"punctuated_word":"gets","sentiment":"negative","sentiment_score":-0.35813894867897034},{"word":"real","start":799.415,"end":799.575,"confidence":0.9891431,"punctuated_word":"real","sentiment":"negative","sentiment_score":-0.3665423691272736},{"word":"messy","start":799.575,"end":799.895,"confidence":0.9985864,"punctuated_word":"messy","sentiment":"negative","sentiment_score":-0.35602015256881714},{"word":"real","start":799.895,"end":800.135,"confidence":0.9210106,"punctuated_word":"real","sentiment":"negative","sentiment_score":-0.44409507513046265},{"word":"quickly","start":800.135,"end":800.635,"confidence":0.99964404,"punctuated_word":"quickly.","sentiment":"neutral","sentiment_score":-0.32385367155075073},{"word":"yeah","start":803.66,"end":804.16,"confidence":0.9910126,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.002432622015476227},{"word":"so","start":804.69995,"end":804.86,"confidence":0.929205,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.012997008860111237},{"word":"with","start":804.86,"end":805.1,"confidence":0.99686676,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.023038338869810104},{"word":"that","start":805.1,"end":805.6,"confidence":0.99868274,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.03268437832593918},{"word":"we","start":805.81995,"end":806.13995,"confidence":0.9998056,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0677269846200943},{"word":"could","start":806.13995,"end":806.3,"confidence":0.97246313,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.08506745100021362},{"word":"just","start":806.3,"end":806.45996,"confidence":0.99713755,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0591682642698288},{"word":"send","start":806.45996,"end":806.69995,"confidence":0.9998123,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.06633420288562775},{"word":"that","start":806.69995,"end":806.86,"confidence":0.99993825,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06376464664936066},{"word":"through","start":806.86,"end":807.36,"confidence":0.99996495,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06109575927257538},{"word":"and","start":807.57996,"end":807.74,"confidence":0.4975669,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07658170163631439},{"word":"then","start":807.74,"end":807.98,"confidence":0.99974185,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09612062573432922},{"word":"any","start":807.98,"end":808.13995,"confidence":0.999283,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07548405975103378},{"word":"sort","start":808.13995,"end":808.37994,"confidence":0.9965844,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04540296643972397},{"word":"of","start":808.37994,"end":808.45996,"confidence":0.95777804,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07188379019498825},{"word":"updates","start":808.45996,"end":808.86,"confidence":0.99021447,"punctuated_word":"updates","sentiment":"neutral","sentiment_score":0.05131657049059868},{"word":"so","start":808.86,"end":809.01996,"confidence":0.46748757,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1060410737991333},{"word":"we","start":809.01996,"end":809.1,"confidence":0.99501425,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10079030692577362},{"word":"can","start":809.1,"end":809.25995,"confidence":0.9990062,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10786387324333192},{"word":"put","start":809.25995,"end":809.42,"confidence":0.9998584,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.08957269787788391},{"word":"a","start":809.42,"end":809.5,"confidence":0.99609643,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13709259033203125},{"word":"reminder","start":809.5,"end":809.98,"confidence":0.99916065,"punctuated_word":"reminder","sentiment":"neutral","sentiment_score":0.0979831889271736},{"word":"in","start":809.98,"end":810.13995,"confidence":0.98287094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1286100447177887},{"word":"those","start":810.13995,"end":810.3,"confidence":0.9998079,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09411270916461945},{"word":"documents","start":810.3,"end":810.77997,"confidence":0.9997789,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.07285459339618683},{"word":"just","start":810.77997,"end":810.94,"confidence":0.98051536,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12148720771074296},{"word":"to","start":810.94,"end":811.1,"confidence":0.9998099,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09163501858711244},{"word":"make","start":811.1,"end":811.18,"confidence":0.9999509,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.0853927731513977},{"word":"sure","start":811.18,"end":811.42,"confidence":0.99969864,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.10803534835577012},{"word":"you've","start":811.42,"end":811.66,"confidence":0.9994092,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.10163670778274536},{"word":"got","start":811.66,"end":811.81995,"confidence":0.9998691,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0779707133769989},{"word":"those","start":811.81995,"end":812.22,"confidence":0.99956363,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.08579875528812408},{"word":"sort","start":812.22,"end":812.45996,"confidence":0.977974,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.053110502660274506},{"word":"of","start":812.45996,"end":812.94,"confidence":0.93160737,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1036939173936844},{"word":"set","start":812.94,"end":813.44,"confidence":0.9969789,"punctuated_word":"set.","sentiment":"neutral","sentiment_score":0.07989523559808731},{"word":"perfect","start":815.83496,"end":816.315,"confidence":0.9973843,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6309018731117249},{"word":"and","start":816.315,"end":816.555,"confidence":0.99921954,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.40027204155921936},{"word":"i'll","start":816.555,"end":816.71497,"confidence":0.9987018,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.382520854473114},{"word":"just","start":816.71497,"end":816.955,"confidence":0.999899,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3852836191654206},{"word":"double","start":816.955,"end":817.455,"confidence":0.9984316,"punctuated_word":"double","sentiment":"positive","sentiment_score":0.3397078812122345},{"word":"check-in","start":817.755,"end":818.15497,"confidence":0.9997842,"punctuated_word":"check-in","sentiment":"neutral","sentiment_score":0.24137911200523376},{"word":"regards","start":818.15497,"end":818.65497,"confidence":0.9986784,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.1679328680038452},{"word":"to","start":818.71497,"end":819.21497,"confidence":0.9995914,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2267400324344635},{"word":"your","start":820.795,"end":820.955,"confidence":0.9782598,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17363160848617554},{"word":"beneficiary","start":820.955,"end":821.455,"confidence":0.9836113,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.17114228010177612},{"word":"forms","start":821.755,"end":822.15497,"confidence":0.9938392,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.17046646773815155},{"word":"and","start":822.15497,"end":822.315,"confidence":0.9944813,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1816686689853668},{"word":"see","start":822.315,"end":822.555,"confidence":0.99975306,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.21299362182617188},{"word":"if","start":822.555,"end":822.71497,"confidence":0.9999329,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.21193677186965945},{"word":"that's","start":822.71497,"end":823.21497,"confidence":0.9999575,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2094164937734604},{"word":"up","start":823.27496,"end":823.435,"confidence":0.99908507,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.18695971369743347},{"word":"to","start":823.435,"end":823.595,"confidence":0.998953,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.221452534198761},{"word":"date","start":823.595,"end":824.095,"confidence":0.9990735,"punctuated_word":"date.","sentiment":"neutral","sentiment_score":0.20490342378616333},{"word":"yes","start":825.595,"end":825.83496,"confidence":0.85094476,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10791311413049698},{"word":"i've","start":825.83496,"end":825.995,"confidence":0.9692597,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.10675885528326036},{"word":"got","start":825.995,"end":826.15497,"confidence":0.999961,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09492744505405426},{"word":"the","start":826.15497,"end":826.315,"confidence":0.9987991,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11262612789869308},{"word":"three","start":826.315,"end":826.635,"confidence":0.99930894,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.09420494735240936},{"word":"children","start":826.635,"end":827.135,"confidence":0.9999534,"punctuated_word":"children","sentiment":"neutral","sentiment_score":0.11380457878112792},{"word":"there","start":827.195,"end":827.435,"confidence":0.99913687,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15295875072479248},{"word":"as","start":827.435,"end":827.675,"confidence":0.99982315,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16016627848148346},{"word":"beneficiaries","start":827.675,"end":828.175,"confidence":0.9998319,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.11361945420503616},{"word":"on","start":828.475,"end":828.635,"confidence":0.9991103,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1397969275712967},{"word":"your","start":828.635,"end":829.02,"confidence":0.7975397,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17861407995224},{"word":"your","start":829.10004,"end":829.26,"confidence":0.9862097,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18420639634132385},{"word":"superannuation","start":829.26,"end":829.76,"confidence":0.9984613,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.17716443538665771},{"word":"yeah","start":830.78,"end":831.18,"confidence":0.99572444,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.25662440061569214},{"word":"perfect","start":831.18,"end":831.68,"confidence":0.9993687,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.451799750328064},{"word":"something","start":833.10004,"end":833.42004,"confidence":0.42566568,"punctuated_word":"Something","sentiment":"neutral","sentiment_score":0.16490094363689425},{"word":"to","start":833.42004,"end":833.5,"confidence":0.996861,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11798200756311417},{"word":"be","start":833.5,"end":833.66003,"confidence":0.99725,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.096752867102623},{"word":"mindful","start":833.66003,"end":833.98004,"confidence":0.9998272,"punctuated_word":"mindful","sentiment":"neutral","sentiment_score":0.105853833258152},{"word":"of","start":833.98004,"end":834.14,"confidence":0.991835,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16738919913768768},{"word":"is","start":834.14,"end":834.30005,"confidence":0.8210266,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1406542956829071},{"word":"that","start":834.30005,"end":834.46,"confidence":0.9866151,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07634694129228592},{"word":"as","start":834.46,"end":834.62,"confidence":0.9641308,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06610807776451111},{"word":"well","start":834.62,"end":834.86005,"confidence":0.999642,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.05182602256536484},{"word":"as","start":834.86005,"end":834.94,"confidence":0.65348077,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08603818714618683},{"word":"spouses","start":834.94,"end":835.42004,"confidence":0.95475954,"punctuated_word":"spouses","sentiment":"neutral","sentiment_score":0.10634677112102509},{"word":"will","start":835.42004,"end":835.58,"confidence":0.9735178,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09741771221160889},{"word":"always","start":835.58,"end":835.98004,"confidence":0.99873143,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.08376258611679077},{"word":"receive","start":835.98004,"end":836.48004,"confidence":0.9438133,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.08957192301750183},{"word":"money","start":837.02,"end":837.42004,"confidence":0.9835016,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.16205503046512604},{"word":"from","start":837.42004,"end":837.66003,"confidence":0.99982506,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.11156675219535828},{"word":"superannuation","start":837.66003,"end":838.16003,"confidence":0.9995651,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.14190872013568878},{"word":"and","start":838.38,"end":838.54004,"confidence":0.79546946,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.08766905963420868},{"word":"like","start":838.54004,"end":838.94,"confidence":0.99836546,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.13133388757705688},{"word":"insurance","start":838.94,"end":839.34,"confidence":0.9993254,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.10591162741184236},{"word":"policy","start":839.34,"end":839.74,"confidence":0.97395825,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.08249150961637497},{"word":"through","start":839.74,"end":840.06,"confidence":0.9993262,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0735546201467514},{"word":"super","start":840.06,"end":840.56,"confidence":0.99431384,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1349066197872162},{"word":"tax","start":840.62,"end":840.94,"confidence":0.957464,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.21158915758132937},{"word":"free","start":840.94,"end":841.10004,"confidence":0.9991364,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.08997007459402084},{"word":"because","start":841.10004,"end":841.42004,"confidence":0.8629349,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06912434101104736},{"word":"they'll","start":841.42004,"end":841.66003,"confidence":0.97915286,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.09860306978225708},{"word":"always","start":841.66003,"end":842.06,"confidence":0.999666,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.06896268576383591},{"word":"be","start":842.06,"end":842.22003,"confidence":0.99917173,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09384537488222122},{"word":"a","start":842.22003,"end":842.30005,"confidence":0.94356245,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0909118503332138},{"word":"tax","start":842.30005,"end":842.625,"confidence":0.9996989,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.11912442743778227},{"word":"dependent","start":842.785,"end":843.185,"confidence":0.9975056,"punctuated_word":"dependent","sentiment":"neutral","sentiment_score":0.07923261821269989},{"word":"as","start":843.185,"end":843.345,"confidence":0.858254,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09610912948846816},{"word":"well","start":843.345,"end":843.585,"confidence":0.99982256,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.10124112665653227},{"word":"as","start":843.585,"end":843.825,"confidence":0.9335978,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":0.06036095693707466},{"word":"like","start":843.825,"end":844.145,"confidence":0.99749833,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06675848364830017},{"word":"a","start":844.145,"end":844.305,"confidence":0.88977987,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07096819579601288},{"word":"dependent","start":844.305,"end":844.785,"confidence":0.996816,"punctuated_word":"dependent","sentiment":"neutral","sentiment_score":0.05633390694856644},{"word":"through","start":844.785,"end":845.025,"confidence":0.9993604,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0515369176864624},{"word":"super","start":845.025,"end":845.265,"confidence":0.92074543,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08223451673984528},{"word":"law","start":845.265,"end":845.765,"confidence":0.9805319,"punctuated_word":"law.","sentiment":"neutral","sentiment_score":0.061509035527706146},{"word":"children","start":845.985,"end":846.385,"confidence":0.9998287,"punctuated_word":"Children","sentiment":"neutral","sentiment_score":0.01329312101006508},{"word":"are","start":846.385,"end":846.545,"confidence":0.9690011,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.009769704192876816},{"word":"always","start":846.545,"end":846.865,"confidence":0.99483275,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.03998978808522224},{"word":"a","start":846.865,"end":846.945,"confidence":0.5402529,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.030320752412080765},{"word":"dependent","start":846.945,"end":847.345,"confidence":0.99818724,"punctuated_word":"dependent","sentiment":"neutral","sentiment_score":0.01435888186097145},{"word":"through","start":847.345,"end":847.505,"confidence":0.9986143,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.005161646753549576},{"word":"super","start":847.505,"end":847.745,"confidence":0.99840623,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.03277921304106712},{"word":"law","start":847.745,"end":847.985,"confidence":0.88124067,"punctuated_word":"law,","sentiment":"neutral","sentiment_score":0.02727452479302883},{"word":"but","start":847.985,"end":848.145,"confidence":0.9991703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.014996446669101717},{"word":"once","start":848.145,"end":848.385,"confidence":0.9995472,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.016936849802732468},{"word":"they","start":848.385,"end":848.545,"confidence":0.99842227,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.012918632477521896},{"word":"turn","start":848.545,"end":848.785,"confidence":0.9769835,"punctuated_word":"turn,","sentiment":"neutral","sentiment_score":0.0003299880772829056},{"word":"like","start":848.785,"end":849.025,"confidence":0.99936485,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0017426982522010803},{"word":"over","start":849.025,"end":849.345,"confidence":0.99964714,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.007285967469215393},{"word":"18","start":849.345,"end":849.825,"confidence":0.9986286,"punctuated_word":"18","sentiment":"neutral","sentiment_score":-0.01011427491903305},{"word":"and","start":849.825,"end":849.985,"confidence":0.9088797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0007054992020130157},{"word":"you're","start":849.985,"end":850.145,"confidence":0.7983341,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.004122716840356588},{"word":"no","start":850.145,"end":850.305,"confidence":0.99625045,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.043787047266960144},{"word":"longer","start":850.305,"end":850.545,"confidence":0.9997682,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.054088104516267776},{"word":"sort","start":850.545,"end":850.705,"confidence":0.9792931,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.049792949110269547},{"word":"of","start":850.705,"end":850.865,"confidence":0.9251891,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.043378524482250214},{"word":"supporting","start":850.865,"end":851.185,"confidence":0.9994795,"punctuated_word":"supporting","sentiment":"neutral","sentiment_score":-0.06643341481685638},{"word":"them","start":851.185,"end":851.345,"confidence":0.68815506,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.01826229691505432},{"word":"if","start":851.345,"end":851.505,"confidence":0.48317847,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0184718556702137},{"word":"they","start":851.505,"end":851.585,"confidence":0.9981869,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.012271836400032043},{"word":"move","start":851.585,"end":851.825,"confidence":0.9975049,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.05195455998182297},{"word":"out","start":851.825,"end":851.905,"confidence":0.9836088,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.039817243814468384},{"word":"of","start":851.905,"end":852.065,"confidence":0.9892315,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04010551795363426},{"word":"home","start":852.065,"end":852.305,"confidence":0.9902374,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":-0.027038130909204483},{"word":"things","start":852.305,"end":852.545,"confidence":0.9995962,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.035279057919979095},{"word":"like","start":852.545,"end":852.785,"confidence":0.99981433,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.021707996726036072},{"word":"that","start":852.785,"end":853.185,"confidence":0.9847534,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.005368970334529877},{"word":"they're","start":853.185,"end":853.345,"confidence":0.984352,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.010199042968451977},{"word":"no","start":853.345,"end":853.505,"confidence":0.9990694,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.036113012582063675},{"word":"longer","start":853.505,"end":853.745,"confidence":0.9851407,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.042836934328079224},{"word":"considered","start":853.745,"end":854.245,"confidence":0.97450334,"punctuated_word":"considered,","sentiment":"neutral","sentiment_score":-0.02022949978709221},{"word":"like","start":854.305,"end":854.545,"confidence":0.9987322,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0017515495419502258},{"word":"dependent","start":854.545,"end":855.045,"confidence":0.9966807,"punctuated_word":"dependent","sentiment":"neutral","sentiment_score":-0.0014757513999938965},{"word":"on","start":855.105,"end":855.265,"confidence":0.9998528,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.011572830379009249},{"word":"you","start":855.265,"end":855.765,"confidence":0.7864841,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.03600490838289261},{"word":"and","start":855.985,"end":856.145,"confidence":0.85018045,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01763918623328209},{"word":"then","start":856.145,"end":856.385,"confidence":0.9997607,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03688361868262291},{"word":"they","start":856.385,"end":856.625,"confidence":0.99938345,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.03556879237294197},{"word":"might","start":856.625,"end":856.785,"confidence":0.99988246,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.02158559486269951},{"word":"not","start":856.785,"end":856.945,"confidence":0.99862564,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.029918111860752106},{"word":"be","start":856.945,"end":857.105,"confidence":0.99977463,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.025460846722126007},{"word":"considered","start":857.105,"end":857.585,"confidence":0.9993387,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":-0.04260609298944473},{"word":"a","start":857.585,"end":857.665,"confidence":0.9823439,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02879318967461586},{"word":"tax","start":857.665,"end":857.905,"confidence":0.9998673,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.014065682888031006},{"word":"dependent","start":857.905,"end":858.405,"confidence":0.98866165,"punctuated_word":"dependent.","sentiment":"neutral","sentiment_score":0.01881549134850502},{"word":"so","start":858.75,"end":858.83,"confidence":0.99971277,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10370370000600816},{"word":"they","start":858.83,"end":858.91003,"confidence":0.99973005,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.11530455201864244},{"word":"can","start":858.91003,"end":858.99,"confidence":0.9998356,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11925242841243744},{"word":"still","start":858.99,"end":859.39,"confidence":0.99970573,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1228557676076889},{"word":"receive","start":859.39,"end":859.63,"confidence":0.99978036,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.05307961255311966},{"word":"the","start":859.63,"end":859.71,"confidence":0.99943,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06510793417692184},{"word":"funds","start":859.71,"end":860.03,"confidence":0.9613129,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.07878151535987854},{"word":"they'll","start":860.03,"end":860.19,"confidence":0.9974401,"punctuated_word":"They'll","sentiment":"neutral","sentiment_score":0.05340927094221115},{"word":"just","start":860.19,"end":860.35004,"confidence":0.9998677,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05886618047952652},{"word":"have","start":860.35004,"end":860.59,"confidence":0.9998841,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.019881539046764377},{"word":"to","start":860.59,"end":860.67,"confidence":0.99925226,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0036043524742126465},{"word":"pay","start":860.67,"end":860.91003,"confidence":0.99978846,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.03604142367839813},{"word":"tax","start":860.91003,"end":861.23,"confidence":0.9987948,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.00735049694776535},{"word":"on","start":861.23,"end":861.39,"confidence":0.9999541,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.042671672999858856},{"word":"that","start":861.39,"end":861.89,"confidence":0.9735556,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.016452759504318237},{"word":"other","start":862.83,"end":863.15,"confidence":0.3538054,"punctuated_word":"Other","sentiment":"neutral","sentiment_score":0.04285600408911705},{"word":"yeah","start":863.79004,"end":864.11,"confidence":0.98385364,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0443454384803772},{"word":"otherwise","start":864.11,"end":864.51,"confidence":0.9980112,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":0.030508318915963173},{"word":"you","start":864.51,"end":864.67,"confidence":0.99986887,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04227348417043686},{"word":"can","start":864.67,"end":864.75,"confidence":0.99991155,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04572555422782898},{"word":"look","start":864.75,"end":864.91003,"confidence":0.99988496,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.01596721261739731},{"word":"at","start":864.91003,"end":865.07,"confidence":0.99790287,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.005800168961286545},{"word":"sort","start":865.07,"end":865.31,"confidence":0.9879844,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.017515260726213455},{"word":"of","start":865.31,"end":865.63,"confidence":0.99032766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03170275688171387},{"word":"sending","start":865.63,"end":865.95,"confidence":0.7154115,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":0.02822587639093399},{"word":"it","start":865.95,"end":866.11,"confidence":0.9990151,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02228345349431038},{"word":"to","start":866.11,"end":866.27,"confidence":0.99945885,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03487802669405937},{"word":"the","start":866.27,"end":866.59,"confidence":0.9997657,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024434000253677368},{"word":"the","start":866.59,"end":866.83,"confidence":0.97399515,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0286916084587574},{"word":"estate","start":866.83,"end":867.23,"confidence":0.8791893,"punctuated_word":"estate,","sentiment":"neutral","sentiment_score":0.03329799696803093},{"word":"and","start":867.23,"end":867.39,"confidence":0.9998745,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04803835600614548},{"word":"you","start":867.39,"end":867.47003,"confidence":0.9984334,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06695123016834259},{"word":"can","start":867.47003,"end":867.71,"confidence":0.99980944,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05564674735069275},{"word":"get","start":867.71,"end":867.87,"confidence":0.9989568,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.02657221257686615},{"word":"rid","start":867.87,"end":868.03,"confidence":0.99992156,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.014636784791946411},{"word":"of","start":868.03,"end":868.19,"confidence":0.998879,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0185062512755394},{"word":"sort","start":868.19,"end":868.35004,"confidence":0.98562324,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.04476826637983322},{"word":"of","start":868.35004,"end":868.43,"confidence":0.99100894,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.025723285973072052},{"word":"the","start":868.43,"end":868.67,"confidence":0.98255426,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04930046945810318},{"word":"medicare","start":868.67,"end":869.07,"confidence":0.98979086,"punctuated_word":"Medicare","sentiment":"neutral","sentiment_score":-0.08321233093738556},{"word":"levy","start":869.07,"end":869.57,"confidence":0.9580131,"punctuated_word":"levy","sentiment":"neutral","sentiment_score":-0.05466961860656738},{"word":"taxes","start":869.79004,"end":870.29004,"confidence":0.95920855,"punctuated_word":"taxes","sentiment":"neutral","sentiment_score":-0.04337706416845322},{"word":"that","start":870.35004,"end":870.59,"confidence":0.9997453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04054638370871544},{"word":"might","start":870.59,"end":870.83,"confidence":0.99993646,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.06544297188520432},{"word":"be","start":870.83,"end":870.99,"confidence":0.99978083,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03470022603869438},{"word":"associated","start":870.99,"end":871.49,"confidence":0.9997781,"punctuated_word":"associated","sentiment":"neutral","sentiment_score":-0.06133060529828072},{"word":"with","start":871.63,"end":871.87,"confidence":0.9998907,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.059537455439567566},{"word":"that","start":871.87,"end":872.03,"confidence":0.99579644,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03568195551633835},{"word":"death","start":872.03,"end":872.27,"confidence":0.96099854,"punctuated_word":"death","sentiment":"neutral","sentiment_score":-0.03834311664104462},{"word":"benefit","start":872.27,"end":872.77,"confidence":0.741127,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.021200992166996},{"word":"or","start":873.875,"end":874.11505,"confidence":0.98459446,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.08098752796649933},{"word":"you","start":874.11505,"end":874.275,"confidence":0.999759,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06959798187017441},{"word":"can","start":874.275,"end":874.435,"confidence":0.99959165,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08567743748426437},{"word":"just","start":874.435,"end":874.515,"confidence":0.9999049,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07385766506195068},{"word":"leave","start":874.515,"end":874.755,"confidence":0.99988294,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.04868870228528976},{"word":"it","start":874.755,"end":874.91504,"confidence":0.9995766,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.025824613869190216},{"word":"to","start":874.91504,"end":875.075,"confidence":0.99776006,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03019346296787262},{"word":"your","start":875.075,"end":875.23505,"confidence":0.9981786,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.023556962609291077},{"word":"spouse","start":875.23505,"end":875.635,"confidence":0.999811,"punctuated_word":"spouse","sentiment":"neutral","sentiment_score":0.04495904594659805},{"word":"and","start":875.635,"end":875.79504,"confidence":0.9571699,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04441102221608162},{"word":"then","start":875.79504,"end":876.03503,"confidence":0.99958736,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05524070933461189},{"word":"sort","start":876.03503,"end":876.195,"confidence":0.996619,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.019254170358181},{"word":"of","start":876.195,"end":876.435,"confidence":0.9993536,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03941331058740616},{"word":"leave","start":876.435,"end":876.755,"confidence":0.999373,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.02594431489706039},{"word":"other","start":876.755,"end":876.995,"confidence":0.99951494,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.02660350501537323},{"word":"things","start":876.995,"end":877.395,"confidence":0.9998449,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.022465139627456665},{"word":"outside","start":877.395,"end":877.895,"confidence":0.9989011,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.03787488490343094},{"word":"of","start":877.955,"end":878.11505,"confidence":0.999811,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02154744416475296},{"word":"that","start":878.11505,"end":878.515,"confidence":0.99972075,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01358826458454132},{"word":"to","start":878.515,"end":878.755,"confidence":0.9956547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.017777040600776672},{"word":"your","start":878.755,"end":878.995,"confidence":0.90672815,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.013857312500476835},{"word":"your","start":878.995,"end":879.155,"confidence":0.786576,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.018231935799121857},{"word":"children","start":879.155,"end":879.635,"confidence":0.9998497,"punctuated_word":"children","sentiment":"neutral","sentiment_score":0.03101695328950882},{"word":"to","start":879.635,"end":879.715,"confidence":0.9555851,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03608865290880203},{"word":"sort","start":879.715,"end":879.955,"confidence":0.997308,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.02453683316707611},{"word":"of","start":879.955,"end":880.11505,"confidence":0.615867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.032880187034606934},{"word":"equal","start":880.11505,"end":880.435,"confidence":0.99907756,"punctuated_word":"equal","sentiment":"neutral","sentiment_score":0.033115461468696594},{"word":"things","start":880.435,"end":880.67505,"confidence":0.9997274,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.060024797916412354},{"word":"out","start":880.67505,"end":881.17505,"confidence":0.981779,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.03161412850022316},{"word":"once","start":882.435,"end":882.67505,"confidence":0.8987447,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.012727130204439163},{"word":"they","start":882.67505,"end":882.835,"confidence":0.9833605,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.014592356979846954},{"word":"sort","start":882.835,"end":882.995,"confidence":0.9950718,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.01798579841852188},{"word":"of","start":882.995,"end":883.155,"confidence":0.8916492,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.014222316443920135},{"word":"get","start":883.155,"end":883.23505,"confidence":0.99959034,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.043191466480493546},{"word":"a","start":883.23505,"end":883.315,"confidence":0.9991153,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.036297932267189026},{"word":"bit","start":883.315,"end":883.47504,"confidence":0.9993722,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.03855288028717041},{"word":"older","start":883.47504,"end":883.635,"confidence":0.9992741,"punctuated_word":"older","sentiment":"neutral","sentiment_score":-0.04338010400533676},{"word":"and","start":883.635,"end":883.79504,"confidence":0.9963791,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.037286173552274704},{"word":"things","start":883.79504,"end":883.955,"confidence":0.9999033,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.03526468575000763},{"word":"like","start":883.955,"end":884.11505,"confidence":0.9988078,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.04122335463762283},{"word":"that","start":884.11505,"end":884.275,"confidence":0.7992994,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.022054249420762066},{"word":"something","start":884.275,"end":884.515,"confidence":0.92052186,"punctuated_word":"Something","sentiment":"neutral","sentiment_score":-0.004623103886842728},{"word":"just","start":884.515,"end":884.67505,"confidence":0.9966349,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.008496604859828949},{"word":"to","start":884.67505,"end":884.835,"confidence":0.9984459,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004215199500322342},{"word":"be","start":884.835,"end":884.91504,"confidence":0.9995871,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.011575598269701004},{"word":"mindful","start":884.91504,"end":885.315,"confidence":0.99946505,"punctuated_word":"mindful","sentiment":"neutral","sentiment_score":-0.008385226130485535},{"word":"of","start":885.315,"end":885.66,"confidence":0.9800916,"punctuated_word":"of.","sentiment":"neutral","sentiment_score":0.025543320924043655},{"word":"yeah","start":891.66,"end":891.81995,"confidence":0.99738646,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05174126476049423},{"word":"obviously","start":891.81995,"end":892.22,"confidence":0.99046767,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.023569900542497635},{"word":"i","start":892.22,"end":892.3,"confidence":0.9994381,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.037963129580020905},{"word":"think","start":892.3,"end":892.54,"confidence":0.9999471,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0253564715385437},{"word":"the","start":892.54,"end":892.62,"confidence":0.95975524,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006221868097782135},{"word":"kids","start":892.62,"end":892.94,"confidence":0.99659216,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.00018473714590072632},{"word":"are","start":892.94,"end":893.01996,"confidence":0.99498653,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.003088027238845825},{"word":"still","start":893.01996,"end":893.25995,"confidence":0.9997789,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.001006387174129486},{"word":"quite","start":893.25995,"end":893.75995,"confidence":0.9996666,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.0009192302823066713},{"word":"young","start":893.81995,"end":894.06,"confidence":0.98634017,"punctuated_word":"young.","sentiment":"neutral","sentiment_score":0.022645652294158936},{"word":"they're","start":894.06,"end":894.22,"confidence":0.9799428,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.027624264359474186},{"word":"sort","start":894.22,"end":894.45996,"confidence":0.99565023,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.013557963073253632},{"word":"of","start":894.45996,"end":894.69995,"confidence":0.99874747,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.019500888884067535},{"word":"in","start":894.69995,"end":894.86,"confidence":0.62286186,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03622249513864517},{"word":"their","start":894.86,"end":895.1,"confidence":0.99635553,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.044100888073444366},{"word":"early","start":895.1,"end":895.33997,"confidence":0.9993594,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.015168756246566772},{"word":"teens","start":895.33997,"end":895.57996,"confidence":0.98438257,"punctuated_word":"teens","sentiment":"neutral","sentiment_score":0.05627311021089554},{"word":"there","start":895.57996,"end":895.81995,"confidence":0.82840514,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.053455598652362823},{"word":"so","start":895.81995,"end":895.89996,"confidence":0.9994993,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04910048469901085},{"word":"you've","start":895.89996,"end":896.06,"confidence":0.89708984,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.09625648707151412},{"word":"still","start":896.06,"end":896.22,"confidence":0.99980766,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.08807060867547989},{"word":"got","start":896.22,"end":896.37994,"confidence":0.9962204,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08681073784828186},{"word":"a","start":896.37994,"end":896.45996,"confidence":0.9987097,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08155129104852676},{"word":"bit","start":896.45996,"end":896.54,"confidence":0.999199,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09579160064458848},{"word":"of","start":896.54,"end":896.69995,"confidence":0.99870956,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06284940242767334},{"word":"time","start":896.69995,"end":896.86,"confidence":0.99941397,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.13904540240764618},{"word":"to","start":896.86,"end":896.94,"confidence":0.9992482,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10766249150037766},{"word":"think","start":896.94,"end":897.18,"confidence":0.99988735,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.10693366080522536},{"word":"about","start":897.18,"end":897.42,"confidence":0.99970055,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10989009588956831},{"word":"how","start":897.42,"end":897.5,"confidence":0.9987764,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.06840457022190094},{"word":"you","start":897.5,"end":897.57996,"confidence":0.9984127,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0987452119588852},{"word":"might","start":897.57996,"end":897.74,"confidence":0.9984666,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.11182095855474472},{"word":"wanna","start":897.74,"end":897.98,"confidence":0.74824303,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.13096244633197784},{"word":"structure","start":897.98,"end":898.22,"confidence":0.99597234,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.08253967761993408},{"word":"that","start":898.22,"end":898.37994,"confidence":0.74411535,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.11025120317935944},{"word":"and","start":898.37994,"end":898.45996,"confidence":0.9696175,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1230432540178299},{"word":"you","start":898.45996,"end":898.54,"confidence":0.9996644,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14542527496814728},{"word":"can","start":898.54,"end":898.69995,"confidence":0.9987814,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1578100174665451},{"word":"even","start":898.69995,"end":898.94,"confidence":0.99958783,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.12914274632930756},{"word":"have","start":898.94,"end":899.02,"confidence":0.99954224,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1371699571609497},{"word":"a","start":899.02,"end":899.1,"confidence":0.9972785,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1265091747045517},{"word":"chat","start":899.1,"end":899.25995,"confidence":0.99982965,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.13607387244701383},{"word":"with","start":899.25995,"end":899.5,"confidence":0.9993723,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.135757178068161},{"word":"the","start":899.5,"end":899.57996,"confidence":0.70771855,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10620541870594025},{"word":"lawyer","start":899.57996,"end":899.89996,"confidence":0.9985764,"punctuated_word":"lawyer","sentiment":"neutral","sentiment_score":0.09329771250486374},{"word":"how","start":899.89996,"end":899.98,"confidence":0.6491096,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.11834205687046052},{"word":"you","start":899.98,"end":900.13995,"confidence":0.999074,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11830666661262512},{"word":"might","start":900.13995,"end":900.3,"confidence":0.9971089,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.11704987287521362},{"word":"wanna","start":900.3,"end":900.54,"confidence":0.92176,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.13362202048301697},{"word":"structure","start":900.54,"end":900.94,"confidence":0.995883,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.10587197542190552},{"word":"things","start":900.94,"end":901.18,"confidence":0.9959778,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.14782893657684326},{"word":"a","start":901.18,"end":901.25995,"confidence":0.9672335,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14077657461166382},{"word":"little","start":901.25995,"end":901.635,"confidence":0.9972404,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.11590178310871124},{"word":"bit","start":901.635,"end":901.835,"confidence":0.7604116,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07885181903839111},{"word":"as","start":901.835,"end":902.03503,"confidence":0.9917092,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0802050530910492},{"word":"well","start":902.03503,"end":902.115,"confidence":0.9995135,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.10935799777507782},{"word":"with","start":902.115,"end":902.355,"confidence":0.71913767,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.11083094030618668},{"word":"like","start":902.355,"end":902.515,"confidence":0.99700093,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11184327304363252},{"word":"a","start":902.515,"end":902.59503,"confidence":0.9982405,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10767901688814165},{"word":"joint","start":902.59503,"end":902.835,"confidence":0.9986519,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":0.08917738497257233},{"word":"will","start":902.835,"end":902.995,"confidence":0.8434763,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09673496335744858},{"word":"with","start":902.995,"end":903.155,"confidence":0.99625325,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0779459998011589},{"word":"your","start":903.155,"end":903.315,"confidence":0.99923074,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07002019882202148},{"word":"partner","start":903.315,"end":903.555,"confidence":0.9998884,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.08295711874961853},{"word":"and","start":903.555,"end":903.715,"confidence":0.99344206,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09851989150047302},{"word":"things","start":903.715,"end":903.875,"confidence":0.9998901,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07847872376441956},{"word":"like","start":903.875,"end":904.03503,"confidence":0.9966035,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.059233807027339935},{"word":"that","start":904.03503,"end":904.195,"confidence":0.99966466,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12038345634937286},{"word":"as","start":904.195,"end":904.355,"confidence":0.9992884,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11628386378288268},{"word":"well","start":904.355,"end":904.855,"confidence":0.99965096,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.06734219193458557},{"word":"yeah","start":908.115,"end":908.515,"confidence":0.9899747,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.020272359251976013},{"word":"perfect","start":908.515,"end":909.015,"confidence":0.9038684,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.3173137307167053},{"word":"and","start":910.03503,"end":910.275,"confidence":0.9460376,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07934412360191345},{"word":"this","start":910.275,"end":910.515,"confidence":0.9974819,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04396526888012886},{"word":"one's","start":910.515,"end":910.755,"confidence":0.963702,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":0.05802088230848312},{"word":"a","start":910.755,"end":910.835,"confidence":0.99499524,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03485310822725296},{"word":"bit","start":910.835,"end":910.995,"confidence":0.9912788,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.014630641788244247},{"word":"of","start":910.995,"end":911.075,"confidence":0.9950541,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03297734260559082},{"word":"a","start":911.075,"end":911.155,"confidence":0.98740447,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04566694051027298},{"word":"random","start":911.155,"end":911.555,"confidence":0.9997695,"punctuated_word":"random","sentiment":"neutral","sentiment_score":0.04773802310228348},{"word":"one","start":911.555,"end":911.715,"confidence":0.9871286,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.020496096462011337},{"word":"but","start":911.715,"end":911.955,"confidence":0.99913967,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.008729886263608932},{"word":"you're","start":911.955,"end":912.115,"confidence":0.9996033,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.01443408988416195},{"word":"not","start":912.115,"end":912.275,"confidence":0.9999026,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03575298935174942},{"word":"politically","start":912.275,"end":912.755,"confidence":0.9981711,"punctuated_word":"politically","sentiment":"neutral","sentiment_score":-0.11346973478794098},{"word":"exposed","start":912.755,"end":913.235,"confidence":0.9996264,"punctuated_word":"exposed","sentiment":"neutral","sentiment_score":-0.07394129782915115},{"word":"at","start":913.235,"end":913.315,"confidence":0.9953492,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07889188826084137},{"word":"all","start":913.315,"end":913.555,"confidence":0.99933136,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.05306271091103554},{"word":"that","start":913.555,"end":914.055,"confidence":0.4328704,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05091472342610359},{"word":"i","start":914.75,"end":914.82996,"confidence":0.47919726,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.058212727308273315},{"word":"you","start":914.91,"end":915.07,"confidence":0.9946538,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07050500810146332},{"word":"don't","start":915.07,"end":915.31,"confidence":0.99985075,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0505807101726532},{"word":"have","start":915.31,"end":915.47003,"confidence":0.9998084,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05237868055701256},{"word":"any","start":915.47003,"end":915.71,"confidence":0.9995995,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.06047912687063217},{"word":"sort","start":915.71,"end":915.87,"confidence":0.9979182,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0637158453464508},{"word":"of","start":915.87,"end":916.03,"confidence":0.9992254,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04092303290963173},{"word":"role","start":916.03,"end":916.19,"confidence":0.9990445,"punctuated_word":"role","sentiment":"neutral","sentiment_score":-0.0856999084353447},{"word":"in","start":916.19,"end":916.35,"confidence":0.99920744,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06916658580303192},{"word":"politics","start":916.35,"end":916.67,"confidence":0.99992466,"punctuated_word":"politics","sentiment":"neutral","sentiment_score":-0.052151378244161606},{"word":"or","start":916.67,"end":916.83,"confidence":0.9648869,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04774204641580582},{"word":"any","start":916.83,"end":917.07,"confidence":0.99959666,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.05180717259645462},{"word":"family","start":917.07,"end":917.31,"confidence":0.9998734,"punctuated_word":"family","sentiment":"neutral","sentiment_score":-0.0806950181722641},{"word":"in","start":917.31,"end":917.47003,"confidence":0.9155373,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.032380830496549606},{"word":"politics","start":917.47003,"end":917.79,"confidence":0.99987876,"punctuated_word":"politics","sentiment":"neutral","sentiment_score":-0.03748045116662979},{"word":"or","start":917.79,"end":918.03,"confidence":0.9893327,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.037953052669763565},{"word":"local","start":918.03,"end":918.35,"confidence":0.9991629,"punctuated_word":"local","sentiment":"neutral","sentiment_score":-0.06139248237013817},{"word":"council","start":918.35,"end":918.75,"confidence":0.7262641,"punctuated_word":"council,","sentiment":"neutral","sentiment_score":-0.03500327467918396},{"word":"things","start":918.75,"end":919.07,"confidence":0.9980354,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.05042406544089317},{"word":"like","start":919.07,"end":919.15,"confidence":0.99966586,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.06785278767347336},{"word":"that","start":919.15,"end":919.65,"confidence":0.8889297,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.024986492469906807},{"word":"yeah","start":919.71,"end":919.87,"confidence":0.9122943,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16306625306606293},{"word":"brilliant","start":919.87,"end":920.37,"confidence":0.89039826,"punctuated_word":"Brilliant.","sentiment":"positive","sentiment_score":0.5469383597373962},{"word":"bit","start":921.31,"end":921.47003,"confidence":0.7955859,"punctuated_word":"Bit","sentiment":"neutral","sentiment_score":0.1158505380153656},{"word":"of","start":921.47003,"end":921.63,"confidence":0.99990904,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10334828495979308},{"word":"a","start":921.63,"end":921.71,"confidence":0.99956053,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15909767150878906},{"word":"weird","start":921.71,"end":921.95,"confidence":0.9995278,"punctuated_word":"weird","sentiment":"neutral","sentiment_score":0.12816306948661804},{"word":"one","start":921.95,"end":922.03,"confidence":0.9946473,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.11386112123727798},{"word":"but","start":922.03,"end":922.27,"confidence":0.9998578,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05153319984674454},{"word":"it's","start":922.27,"end":922.43,"confidence":0.9996036,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08060365915298462},{"word":"part","start":922.43,"end":922.67,"confidence":0.9974256,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.0869484394788742},{"word":"of","start":922.67,"end":922.75,"confidence":0.9992644,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14991334080696106},{"word":"our","start":922.75,"end":922.91,"confidence":0.95369774,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.12265907973051073},{"word":"anti","start":922.91,"end":923.15,"confidence":0.9739174,"punctuated_word":"anti","sentiment":"neutral","sentiment_score":0.04356252774596214},{"word":"money","start":923.15,"end":923.47003,"confidence":0.99953294,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.009967111051082613},{"word":"laundering","start":923.47003,"end":923.87,"confidence":0.8775417,"punctuated_word":"laundering.","sentiment":"neutral","sentiment_score":0.06451799720525742},{"word":"yeah","start":923.87,"end":924.37,"confidence":0.9265811,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.033586326986551285},{"word":"and","start":926.03,"end":926.19,"confidence":0.94263947,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.00030953995883464813},{"word":"then","start":926.19,"end":926.43,"confidence":0.9985362,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.004927903413772583},{"word":"you're","start":926.43,"end":926.59,"confidence":0.67342865,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.005991168320178986},{"word":"no","start":926.59,"end":926.83,"confidence":0.8653926,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.014878949150443075},{"word":"tax","start":926.83,"end":927.07,"confidence":0.99340856,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.009823225438594818},{"word":"resident","start":927.07,"end":927.39,"confidence":0.9940598,"punctuated_word":"resident","sentiment":"neutral","sentiment_score":-0.01256757229566574},{"word":"anywhere","start":927.39,"end":927.71,"confidence":0.9990627,"punctuated_word":"anywhere","sentiment":"neutral","sentiment_score":-0.02061820402741432},{"word":"else","start":927.71,"end":927.95,"confidence":0.9998971,"punctuated_word":"else","sentiment":"neutral","sentiment_score":-0.005695361644029617},{"word":"but","start":927.95,"end":928.11,"confidence":0.95123523,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.025195814669132233},{"word":"australia","start":928.11,"end":928.51,"confidence":0.9987703,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":-0.006734203547239304},{"word":"at","start":928.51,"end":928.59,"confidence":0.9994968,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01878093183040619},{"word":"the","start":928.59,"end":928.75,"confidence":0.9997583,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.002650875598192215},{"word":"moment","start":928.75,"end":929.145,"confidence":0.99090064,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.0026199333369731903},{"word":"sorry","start":930.98505,"end":931.22504,"confidence":0.5335767,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.0020263027399778366},{"word":"yeah","start":931.22504,"end":931.54504,"confidence":0.98181903,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.039656490087509155},{"word":"there's","start":931.54504,"end":931.78503,"confidence":0.95642585,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.04168499633669853},{"word":"just","start":931.78503,"end":931.865,"confidence":0.9941202,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04663929343223572},{"word":"a","start":931.865,"end":932.025,"confidence":0.99896455,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07269643247127533},{"word":"few","start":932.025,"end":932.185,"confidence":0.9999615,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.052496157586574554},{"word":"ones","start":932.185,"end":932.34503,"confidence":0.9992455,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.044637419283390045},{"word":"that","start":932.34503,"end":932.505,"confidence":0.9990853,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09074413031339644},{"word":"have","start":932.505,"end":932.66504,"confidence":0.7194658,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08022360503673553},{"word":"updated","start":932.66504,"end":933.065,"confidence":0.9978143,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.05748143419623375},{"word":"there","start":933.065,"end":933.565,"confidence":0.99718106,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.07420487701892853},{"word":"and","start":934.505,"end":934.745,"confidence":0.9545319,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07537773251533508},{"word":"as","start":934.745,"end":934.905,"confidence":0.9973617,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07735735177993774},{"word":"far","start":934.905,"end":935.145,"confidence":0.9994733,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.05599453300237656},{"word":"as","start":935.145,"end":935.305,"confidence":0.99459887,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07483191788196564},{"word":"goals","start":935.305,"end":935.625,"confidence":0.989195,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.056856878101825714},{"word":"are","start":935.625,"end":935.705,"confidence":0.9771778,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1158955544233322},{"word":"concerned","start":935.705,"end":936.10504,"confidence":0.9959409,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":0.10894830524921416},{"word":"there","start":936.10504,"end":936.34503,"confidence":0.8843808,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.09551303088665009},{"word":"i","start":936.34503,"end":936.42505,"confidence":0.9977265,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10096508264541626},{"word":"know","start":936.42505,"end":936.745,"confidence":0.99957865,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1154840812087059},{"word":"your","start":936.745,"end":936.905,"confidence":0.99400675,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08601704984903336},{"word":"main","start":936.905,"end":937.145,"confidence":0.99941313,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.10100746899843216},{"word":"goal","start":937.145,"end":937.465,"confidence":0.99966335,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.08442465960979462},{"word":"is","start":937.465,"end":937.625,"confidence":0.94043595,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11293265968561172},{"word":"to","start":937.625,"end":937.78503,"confidence":0.99822825,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14586341381072998},{"word":"just","start":937.78503,"end":938.28503,"confidence":0.9993387,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14129436016082764},{"word":"pay","start":938.66504,"end":938.98505,"confidence":0.9906268,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.1443742960691452},{"word":"down","start":938.98505,"end":939.305,"confidence":0.9967033,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.11344486474990843},{"word":"your","start":939.305,"end":939.54504,"confidence":0.99474204,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11865692585706712},{"word":"current","start":939.54504,"end":939.78503,"confidence":0.99937254,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.08962026238441467},{"word":"loans","start":939.78503,"end":940.10504,"confidence":0.9790086,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":0.09456367790699004},{"word":"there","start":940.10504,"end":940.34503,"confidence":0.8799617,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.11429733783006668},{"word":"make","start":940.34503,"end":940.585,"confidence":0.9679615,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10704032331705092},{"word":"sure","start":940.585,"end":940.745,"confidence":0.9997452,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.10208670049905776},{"word":"everything","start":940.745,"end":940.98505,"confidence":0.9997968,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.11698509007692336},{"word":"on","start":940.98505,"end":941.145,"confidence":0.9997626,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10152918100357056},{"word":"the","start":941.145,"end":941.305,"confidence":0.99934465,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1178760901093483},{"word":"bill","start":941.305,"end":941.465,"confidence":0.9784168,"punctuated_word":"bill","sentiment":"neutral","sentiment_score":0.12976208329200745},{"word":"was","start":941.465,"end":941.625,"confidence":0.98076344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.13307122886180878},{"word":"finalized","start":941.625,"end":942.10504,"confidence":0.9673872,"punctuated_word":"finalized,","sentiment":"neutral","sentiment_score":0.14357160031795502},{"word":"get","start":942.10504,"end":942.265,"confidence":0.9433398,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.09639086574316023},{"word":"in","start":942.265,"end":942.42505,"confidence":0.99895227,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07696592062711716},{"word":"there","start":942.42505,"end":942.81,"confidence":0.99748373,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.07665688544511795},{"word":"is","start":943.13,"end":943.20996,"confidence":0.99375075,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.043688468635082245},{"word":"there","start":943.20996,"end":943.29,"confidence":0.9976108,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05402990058064461},{"word":"any","start":943.29,"end":943.52997,"confidence":0.9990483,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.05249909311532974},{"word":"other","start":943.52997,"end":943.77,"confidence":0.99966824,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.04010849446058273},{"word":"goals","start":943.77,"end":944.01,"confidence":0.9982376,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.03171670809388161},{"word":"that","start":944.01,"end":944.17,"confidence":0.99977463,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04771282896399498},{"word":"you're","start":944.17,"end":944.33,"confidence":0.9998723,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.04295270889997482},{"word":"working","start":944.33,"end":944.57,"confidence":0.999962,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.06065875291824341},{"word":"towards","start":944.57,"end":944.97,"confidence":0.9998276,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.07160723954439163},{"word":"at","start":944.97,"end":945.05,"confidence":0.99971646,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.021012835204601288},{"word":"the","start":945.05,"end":945.13,"confidence":0.9997205,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03687935695052147},{"word":"moment","start":945.13,"end":945.63,"confidence":0.99939954,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.03835495561361313},{"word":"yeah","start":963.945,"end":964.445,"confidence":0.8458384,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02748987078666687},{"word":"grow","start":966.585,"end":966.825,"confidence":0.9662045,"punctuated_word":"Grow","sentiment":"neutral","sentiment_score":0.07357750833034515},{"word":"the","start":966.825,"end":966.985,"confidence":0.760775,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.082016721367836},{"word":"business","start":966.985,"end":967.305,"confidence":0.99962735,"punctuated_word":"business","sentiment":"neutral","sentiment_score":0.0974251627922058},{"word":"a","start":967.305,"end":967.385,"confidence":0.9994011,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06877141445875168},{"word":"little","start":967.385,"end":967.625,"confidence":0.9999583,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.06263437122106552},{"word":"bit","start":967.625,"end":967.78503,"confidence":0.7741565,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.033560603857040405},{"word":"maybe","start":967.78503,"end":968.025,"confidence":0.99684143,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":0.047842878848314285},{"word":"get","start":968.025,"end":968.185,"confidence":0.9949409,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0449754074215889},{"word":"someone","start":968.185,"end":968.505,"confidence":0.9994943,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.07822151482105255},{"word":"under","start":968.505,"end":968.745,"confidence":0.97921705,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.08931773900985718},{"word":"your","start":968.745,"end":968.905,"confidence":0.7804922,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0616685152053833},{"word":"sort","start":968.905,"end":969.065,"confidence":0.99739635,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.05325223505496979},{"word":"of","start":969.065,"end":969.145,"confidence":0.99150544,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08334892988204956},{"word":"thing","start":969.145,"end":969.385,"confidence":0.9979473,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.10701553523540495},{"word":"as","start":969.385,"end":969.545,"confidence":0.9976019,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08913760632276535},{"word":"well","start":969.545,"end":969.705,"confidence":0.89392257,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.0639658123254776},{"word":"just","start":969.705,"end":969.945,"confidence":0.9987953,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.061537452042102814},{"word":"expand","start":969.945,"end":970.265,"confidence":0.9978992,"punctuated_word":"expand","sentiment":"neutral","sentiment_score":0.11741481721401216},{"word":"just","start":970.265,"end":970.59,"confidence":0.73478204,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0917738601565361},{"word":"a","start":972.59,"end":972.8567,"confidence":0.9609403,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.049182772636413574},{"word":"tiny","start":972.8567,"end":973.12335,"confidence":0.9989976,"punctuated_word":"tiny","sentiment":"neutral","sentiment_score":0.058034662157297134},{"word":"bit","start":973.12335,"end":973.39,"confidence":0.77114797,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.05845818668603897},{"word":"yep","start":973.39,"end":973.89,"confidence":0.7796132,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10102495551109314},{"word":"and","start":973.95,"end":974.19,"confidence":0.8864101,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07487836480140686},{"word":"is","start":974.19,"end":974.43005,"confidence":0.9986015,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08268648386001587},{"word":"that","start":974.43005,"end":974.59,"confidence":0.9999181,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14038388431072235},{"word":"sort","start":974.59,"end":974.67004,"confidence":0.984874,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0938190370798111},{"word":"of","start":974.67004,"end":974.83,"confidence":0.98848456,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0965927243232727},{"word":"the","start":974.83,"end":974.91003,"confidence":0.9978532,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0756363645195961},{"word":"main","start":974.91003,"end":975.15,"confidence":0.998684,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.12504535913467407},{"word":"goal","start":975.15,"end":975.39,"confidence":0.9983417,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.10028734058141708},{"word":"moving","start":975.39,"end":975.55005,"confidence":0.99694663,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.10402846336364746},{"word":"forward","start":975.55005,"end":975.87006,"confidence":0.9842491,"punctuated_word":"forward?","sentiment":"neutral","sentiment_score":0.10833954811096191},{"word":"you're","start":975.87006,"end":975.95,"confidence":0.9901558,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.02377941273152828},{"word":"not","start":975.95,"end":976.19,"confidence":0.9996779,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06921817362308502},{"word":"sort","start":976.19,"end":976.35004,"confidence":0.9944074,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.08848246932029724},{"word":"of","start":976.35004,"end":976.43005,"confidence":0.98321956,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07279448956251144},{"word":"looking","start":976.43005,"end":976.67004,"confidence":0.999689,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.07660791277885437},{"word":"at","start":976.67004,"end":976.91003,"confidence":0.9989557,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1276707798242569},{"word":"anything","start":976.91003,"end":977.23004,"confidence":0.99871814,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.1285010427236557},{"word":"major","start":977.23004,"end":977.47003,"confidence":0.99965453,"punctuated_word":"major","sentiment":"neutral","sentiment_score":-0.1360476166009903},{"word":"in","start":977.47003,"end":977.55005,"confidence":0.9996387,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11968719214200974},{"word":"the","start":977.55005,"end":977.63,"confidence":0.99973744,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06514282524585724},{"word":"next","start":977.63,"end":977.95,"confidence":0.9988199,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.05933099985122681},{"word":"sort","start":977.95,"end":978.11005,"confidence":0.5217944,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.09015483409166336},{"word":"of","start":978.11005,"end":978.27,"confidence":0.9576172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07836171984672546},{"word":"two","start":978.27,"end":978.51,"confidence":0.96827424,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.09322139620780943},{"word":"or","start":978.51,"end":978.67004,"confidence":0.9524562,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07317961007356644},{"word":"three","start":978.67004,"end":978.83,"confidence":0.999777,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.0715302899479866},{"word":"years","start":978.83,"end":979.15,"confidence":0.91888154,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.06675279885530472},{"word":"the","start":979.15,"end":979.31,"confidence":0.9304276,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05747237801551819},{"word":"next","start":979.31,"end":979.55005,"confidence":0.9998178,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.05517483875155449},{"word":"five","start":979.55005,"end":979.79004,"confidence":0.99940085,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.07620396465063095},{"word":"years","start":979.79004,"end":980.29004,"confidence":0.98478824,"punctuated_word":"years?","sentiment":"neutral","sentiment_score":-0.07222335040569305},{"word":"perfect","start":993.725,"end":994.225,"confidence":0.6887495,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.38221144676208496},{"word":"give","start":994.365,"end":994.605,"confidence":0.96499467,"punctuated_word":"Give","sentiment":"neutral","sentiment_score":0.18779665231704712},{"word":"that","start":994.605,"end":994.925,"confidence":0.99763894,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2494757175445557},{"word":"to","start":994.925,"end":995.08496,"confidence":0.9977596,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28906911611557007},{"word":"to","start":995.08496,"end":995.165,"confidence":0.83417016,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3486033082008362},{"word":"someone","start":995.165,"end":995.565,"confidence":0.99916255,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.32409030199050903},{"word":"else","start":995.565,"end":995.885,"confidence":0.99912614,"punctuated_word":"else","sentiment":"positive","sentiment_score":0.37879908084869385},{"word":"and","start":995.885,"end":996.125,"confidence":0.9642759,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18149113655090332},{"word":"run","start":996.125,"end":996.285,"confidence":0.9928952,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.299329936504364},{"word":"a","start":996.285,"end":996.365,"confidence":0.9831502,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32449495792388916},{"word":"second","start":996.365,"end":996.685,"confidence":0.99313945,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.2865043878555298},{"word":"crew","start":996.685,"end":997.11,"confidence":0.6228229,"punctuated_word":"crew,","sentiment":"positive","sentiment_score":0.33705493807792664},{"word":"something","start":997.11,"end":997.35,"confidence":0.9933842,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.28508737683296204},{"word":"like","start":997.35,"end":997.51,"confidence":0.99858886,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.283378541469574},{"word":"that","start":997.51,"end":997.58997,"confidence":0.87040925,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.31537705659866333},{"word":"you","start":997.58997,"end":997.82996,"confidence":0.9973937,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.512968122959137},{"word":"get","start":997.82996,"end":998.07,"confidence":0.96693724,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5411568284034729},{"word":"the","start":998.07,"end":998.14996,"confidence":0.8917215,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4708746075630188},{"word":"nice","start":998.14996,"end":998.39,"confidence":0.9100418,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.5476831793785095},{"word":"machine","start":998.39,"end":998.89,"confidence":0.9572113,"punctuated_word":"machine.","sentiment":"positive","sentiment_score":0.4125992953777313},{"word":"yeah","start":1003.02997,"end":1003.35,"confidence":0.97680914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06323941051959991},{"word":"that","start":1003.35,"end":1003.58997,"confidence":0.9964696,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.07072794437408447},{"word":"that'd","start":1003.67,"end":1003.99,"confidence":0.9968865,"punctuated_word":"that'd","sentiment":"neutral","sentiment_score":0.07511572539806366},{"word":"be","start":1003.99,"end":1004.14996,"confidence":0.99736613,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08142825216054916},{"word":"the","start":1004.14996,"end":1004.23,"confidence":0.9769232,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06652630865573883},{"word":"way","start":1004.23,"end":1004.73,"confidence":0.9970273,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.07357971370220184},{"word":"as","start":1006.23,"end":1006.47,"confidence":0.87958914,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.03734574094414711},{"word":"far","start":1006.47,"end":1006.95,"confidence":0.9992429,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.018377721309661865},{"word":"as","start":1006.95,"end":1007.43,"confidence":0.9983113,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.023288697004318237},{"word":"your","start":1007.43,"end":1007.75,"confidence":0.9364569,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.015575192868709564},{"word":"risk","start":1007.75,"end":1007.99,"confidence":0.7692946,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.01941772550344467},{"word":"profile","start":1007.99,"end":1008.39,"confidence":0.60542786,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.022543728351593018},{"word":"goes","start":1008.39,"end":1008.63,"confidence":0.64955974,"punctuated_word":"goes,","sentiment":"neutral","sentiment_score":0.05855004861950874},{"word":"we'll","start":1008.63,"end":1008.79,"confidence":0.94184995,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.0726914256811142},{"word":"just","start":1008.79,"end":1009.02997,"confidence":0.9965913,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08050881326198578},{"word":"go","start":1009.02997,"end":1009.19,"confidence":0.9926347,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10402919352054596},{"word":"through","start":1009.19,"end":1009.35,"confidence":0.98115176,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0902157723903656},{"word":"a","start":1009.35,"end":1009.4475,"confidence":0.896006,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08701641857624054},{"word":"few","start":1009.4475,"end":1009.545,"confidence":0.9904379,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.08660019934177399},{"word":"questions","start":1009.545,"end":1009.785,"confidence":0.9982035,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.08908168971538544},{"word":"there","start":1009.785,"end":1009.90497,"confidence":0.9660018,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06979602575302124},{"word":"and","start":1009.90497,"end":1010.02496,"confidence":0.95663804,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06852857023477554},{"word":"make","start":1010.02496,"end":1010.26495,"confidence":0.99947506,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.07811369001865387},{"word":"sure","start":1010.26495,"end":1010.425,"confidence":0.9998598,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.07010815292596817},{"word":"that's","start":1010.425,"end":1010.745,"confidence":0.9980606,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06825333833694458},{"word":"still","start":1010.745,"end":1010.90497,"confidence":0.9997429,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07691948860883713},{"word":"up","start":1010.90497,"end":1011.065,"confidence":0.9998816,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.06275089085102081},{"word":"to","start":1011.065,"end":1011.14496,"confidence":0.99943846,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06496383994817734},{"word":"date","start":1011.14496,"end":1011.305,"confidence":0.9998373,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.04604433476924896},{"word":"there","start":1011.305,"end":1011.46497,"confidence":0.9979067,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.048125818371772766},{"word":"so","start":1011.46497,"end":1011.625,"confidence":0.9958787,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.053838491439819336},{"word":"you're","start":1011.625,"end":1011.70496,"confidence":0.9749878,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.08286946266889572},{"word":"currently","start":1011.70496,"end":1012.02496,"confidence":0.9990664,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.08457361906766891},{"word":"in","start":1012.02496,"end":1012.105,"confidence":0.98794055,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10301867872476578},{"word":"a","start":1012.105,"end":1012.185,"confidence":0.9806966,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11106416583061218},{"word":"high","start":1012.185,"end":1012.425,"confidence":0.87324834,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.10372992604970932},{"word":"growth","start":1012.425,"end":1012.665,"confidence":0.6821518,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.10482959449291228},{"word":"it's","start":1012.665,"end":1012.825,"confidence":0.9692775,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07198625057935715},{"word":"around","start":1012.825,"end":1013.065,"confidence":0.99143046,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.09608165919780733},{"word":"that","start":1013.065,"end":1013.305,"confidence":0.9494778,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08402848243713379},{"word":"ninety","start":1013.305,"end":1013.545,"confidence":0.9940766,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.0487235002219677},{"word":"ten","start":1013.545,"end":1013.865,"confidence":0.63104784,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.05805701017379761},{"word":"sort","start":1013.865,"end":1014.105,"confidence":0.9967709,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03972330316901207},{"word":"of","start":1014.105,"end":1014.185,"confidence":0.9575601,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.054862383753061295},{"word":"split","start":1014.185,"end":1014.505,"confidence":0.8056438,"punctuated_word":"split.","sentiment":"neutral","sentiment_score":0.0781673863530159},{"word":"so","start":1014.505,"end":1014.665,"confidence":0.9727069,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0750262588262558},{"word":"90%","start":1014.665,"end":1015.385,"confidence":0.99527264,"punctuated_word":"90%","sentiment":"neutral","sentiment_score":0.08925235271453857},{"word":"growth","start":1015.385,"end":1015.625,"confidence":0.93781775,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.14982561767101288},{"word":"assets","start":1015.625,"end":1016.02496,"confidence":0.4795587,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.12866781651973724},{"word":"about","start":1016.02496,"end":1016.26495,"confidence":0.926473,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14370374381542206},{"word":"10%","start":1016.26495,"end":1016.825,"confidence":0.99921525,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.14475423097610474},{"word":"defensive","start":1016.825,"end":1017.325,"confidence":0.87868994,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":0.1178993433713913},{"word":"and","start":1017.945,"end":1018.445,"confidence":0.99556905,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12286343425512314},{"word":"we'll","start":1018.665,"end":1018.825,"confidence":0.9908023,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1407371461391449},{"word":"just","start":1018.825,"end":1019.065,"confidence":0.9990754,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15769359469413757},{"word":"go","start":1019.065,"end":1019.225,"confidence":0.99907124,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.19401128590106964},{"word":"through","start":1019.225,"end":1019.385,"confidence":0.9935415,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.18867333233356476},{"word":"a","start":1019.385,"end":1019.46497,"confidence":0.99712294,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16208603978157043},{"word":"few","start":1019.46497,"end":1019.625,"confidence":0.9997775,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.14632980525493622},{"word":"questions","start":1019.625,"end":1019.945,"confidence":0.99797577,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.17048384249210358},{"word":"to","start":1019.945,"end":1020.105,"confidence":0.5371946,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1558423936367035},{"word":"make","start":1020.105,"end":1020.26495,"confidence":0.99889296,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1296880841255188},{"word":"sure","start":1020.26495,"end":1020.425,"confidence":0.9984132,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.13852137327194214},{"word":"that's","start":1020.425,"end":1020.665,"confidence":0.99660647,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.14159980416297913},{"word":"still","start":1020.665,"end":1021.065,"confidence":0.9956156,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.17783741652965546},{"word":"up","start":1021.065,"end":1021.225,"confidence":0.99659145,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14133016765117645},{"word":"to","start":1021.225,"end":1021.385,"confidence":0.99515164,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13367673754692078},{"word":"date","start":1021.385,"end":1021.625,"confidence":0.9957975,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.13685041666030884},{"word":"there","start":1021.625,"end":1021.785,"confidence":0.98642296,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15333569049835205},{"word":"for","start":1021.785,"end":1022.02496,"confidence":0.9961611,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.163178950548172},{"word":"you","start":1022.02496,"end":1022.26495,"confidence":0.9976654,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.05899525806307793},{"word":"so","start":1022.26495,"end":1022.76495,"confidence":0.99033,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.014597328379750252},{"word":"in","start":1023.065,"end":1023.225,"confidence":0.8894472,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.014028234407305716},{"word":"regards","start":1023.225,"end":1023.70496,"confidence":0.94458497,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.012712979689240456},{"word":"to","start":1023.70496,"end":1024.205,"confidence":0.96884346,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.025296207517385483},{"word":"most","start":1024.46,"end":1024.7,"confidence":0.8680371,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.03171198070049286},{"word":"aggressive","start":1024.7,"end":1024.86,"confidence":0.98985124,"punctuated_word":"aggressive","sentiment":"neutral","sentiment_score":0.05981491133570671},{"word":"investment","start":1024.86,"end":1025.26,"confidence":0.9914464,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.04033789411187172},{"word":"you've","start":1025.26,"end":1025.42,"confidence":0.9807776,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.02583720162510872},{"word":"made","start":1025.42,"end":1025.58,"confidence":0.9975288,"punctuated_word":"made,","sentiment":"neutral","sentiment_score":0.03351021930575371},{"word":"have","start":1025.58,"end":1025.74,"confidence":0.9944858,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0058826301246881485},{"word":"you","start":1025.74,"end":1025.98,"confidence":0.99930036,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00858711265027523},{"word":"had","start":1025.98,"end":1026.14,"confidence":0.99129254,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.007249914109706879},{"word":"any","start":1026.14,"end":1026.38,"confidence":0.95251435,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.014350335113704205},{"word":"direct","start":1026.38,"end":1026.7,"confidence":0.99201304,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":0.008130619302392006},{"word":"share","start":1026.7,"end":1027.02,"confidence":0.9969584,"punctuated_word":"share","sentiment":"neutral","sentiment_score":0.007708892226219177},{"word":"holdings","start":1027.02,"end":1027.42,"confidence":0.9580038,"punctuated_word":"holdings","sentiment":"neutral","sentiment_score":0.011763090267777445},{"word":"or","start":1027.42,"end":1027.58,"confidence":0.9955022,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.010776357725262642},{"word":"bought","start":1027.58,"end":1027.74,"confidence":0.96616566,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":0.010830032639205456},{"word":"any","start":1027.74,"end":1027.9,"confidence":0.9870041,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.010800297372043133},{"word":"direct","start":1027.9,"end":1028.22,"confidence":0.99860805,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":0.006098998710513115},{"word":"shares","start":1028.22,"end":1028.7,"confidence":0.99924195,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.016374243423342705},{"word":"recently","start":1028.7,"end":1029.18,"confidence":0.9992079,"punctuated_word":"recently","sentiment":"neutral","sentiment_score":0.009669993072748184},{"word":"or","start":1029.18,"end":1029.5,"confidence":0.99660987,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0057764844968914986},{"word":"before","start":1029.5,"end":1030.0,"confidence":0.9957205,"punctuated_word":"before?","sentiment":"neutral","sentiment_score":-0.009112726897001266},{"word":"yep","start":1030.86,"end":1031.26,"confidence":0.7567587,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16209113597869873},{"word":"that's","start":1031.26,"end":1031.58,"confidence":0.9593425,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3801597058773041},{"word":"fine","start":1031.58,"end":1032.08,"confidence":0.9976102,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2882896661758423},{"word":"and","start":1033.26,"end":1033.5,"confidence":0.9109894,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0936155617237091},{"word":"then","start":1033.5,"end":1033.82,"confidence":0.99937624,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09380095452070236},{"word":"with","start":1033.82,"end":1034.14,"confidence":0.99221593,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07035166770219803},{"word":"inflation","start":1034.14,"end":1034.62,"confidence":0.8429614,"punctuated_word":"inflation,","sentiment":"neutral","sentiment_score":0.06796082109212875},{"word":"obviously","start":1034.62,"end":1034.78,"confidence":0.9941576,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.018142763525247577},{"word":"you","start":1034.78,"end":1034.9401,"confidence":0.82189107,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00666297972202301},{"word":"know","start":1034.9401,"end":1035.1,"confidence":0.948648,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0001237913966178894},{"word":"having","start":1035.1,"end":1035.26,"confidence":0.99888057,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.0019678696990013123},{"word":"a","start":1035.26,"end":1035.42,"confidence":0.97568727,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04009757190942764},{"word":"younger","start":1035.42,"end":1035.66,"confidence":0.9997929,"punctuated_word":"younger","sentiment":"neutral","sentiment_score":-0.02195332944393158},{"word":"family","start":1035.66,"end":1035.98,"confidence":0.99990046,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.09532018005847932},{"word":"probably","start":1035.98,"end":1036.3,"confidence":0.60289246,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.02203008532524109},{"word":"feel","start":1036.3,"end":1036.46,"confidence":0.9733368,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.015079647302627563},{"word":"it","start":1036.46,"end":1036.62,"confidence":0.96636194,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.001411840319633484},{"word":"a","start":1036.62,"end":1036.7,"confidence":0.99891007,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0011955015361309052},{"word":"little","start":1036.7,"end":1036.86,"confidence":0.99987423,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.02770816534757614},{"word":"bit","start":1036.86,"end":1036.9401,"confidence":0.99912506,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.045076653361320496},{"word":"more","start":1036.9401,"end":1037.1,"confidence":0.9997756,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.0018384456634521484},{"word":"than","start":1037.1,"end":1037.26,"confidence":0.99253684,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.031700581312179565},{"word":"most","start":1037.26,"end":1037.5,"confidence":0.9993531,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.006324484944343567},{"word":"of","start":1037.5,"end":1037.58,"confidence":0.70655584,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03329748660326004},{"word":"the","start":1037.58,"end":1037.74,"confidence":0.99905926,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017415665090084076},{"word":"cost","start":1037.74,"end":1037.98,"confidence":0.9989103,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.0003122985363006592},{"word":"of","start":1037.98,"end":1038.14,"confidence":0.9994122,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03675182908773422},{"word":"living","start":1038.14,"end":1038.38,"confidence":0.80829465,"punctuated_word":"living,","sentiment":"neutral","sentiment_score":0.0205388180911541},{"word":"but","start":1038.38,"end":1038.88,"confidence":0.99771404,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.001385800540447235},{"word":"are","start":1038.885,"end":1039.045,"confidence":0.9997075,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.030885986983776093},{"word":"you","start":1039.045,"end":1039.205,"confidence":0.999811,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.028855979442596436},{"word":"still","start":1039.205,"end":1039.365,"confidence":0.99887675,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.0065908730030059814},{"word":"willing","start":1039.365,"end":1039.685,"confidence":0.9998945,"punctuated_word":"willing","sentiment":"neutral","sentiment_score":-0.02591727674007416},{"word":"to","start":1039.685,"end":1039.925,"confidence":0.9956382,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03126183897256851},{"word":"accept","start":1039.925,"end":1040.425,"confidence":0.9997892,"punctuated_word":"accept","sentiment":"neutral","sentiment_score":-0.035824403166770935},{"word":"a","start":1040.725,"end":1040.885,"confidence":0.86027473,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.042650606483221054},{"word":"moderate","start":1040.885,"end":1041.365,"confidence":0.999241,"punctuated_word":"moderate","sentiment":"neutral","sentiment_score":0.021450340747833252},{"word":"sort","start":1041.365,"end":1041.525,"confidence":0.9859585,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03107398748397827},{"word":"of","start":1041.525,"end":1041.605,"confidence":0.94868463,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05292963236570358},{"word":"amount","start":1041.605,"end":1041.845,"confidence":0.9960328,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.009982898831367493},{"word":"of","start":1041.845,"end":1041.925,"confidence":0.99622786,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.035212330520153046},{"word":"risk","start":1041.925,"end":1042.165,"confidence":0.9712605,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.09306400269269945},{"word":"to","start":1042.165,"end":1042.245,"confidence":0.9435566,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05335330218076706},{"word":"outpace","start":1042.245,"end":1042.645,"confidence":0.9924215,"punctuated_word":"outpace","sentiment":"neutral","sentiment_score":-0.06756603717803955},{"word":"inflation","start":1042.645,"end":1043.125,"confidence":0.99957925,"punctuated_word":"inflation","sentiment":"neutral","sentiment_score":-0.11096855252981186},{"word":"or","start":1043.125,"end":1043.245,"confidence":0.9852468,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06743451207876205},{"word":"a","start":1043.245,"end":1043.365,"confidence":0.9432986,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.021948475390672684},{"word":"higher","start":1043.365,"end":1043.605,"confidence":0.9782713,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.048968955874443054},{"word":"amount","start":1043.605,"end":1043.845,"confidence":0.9984295,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.029403649270534515},{"word":"of","start":1043.845,"end":1043.925,"confidence":0.99318355,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05724196135997772},{"word":"risk","start":1043.925,"end":1044.165,"confidence":0.99804735,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.08353447914123535},{"word":"to","start":1044.165,"end":1044.245,"confidence":0.9886003,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.014150839298963548},{"word":"outpace","start":1044.245,"end":1044.645,"confidence":0.9960624,"punctuated_word":"outpace","sentiment":"neutral","sentiment_score":-0.06850975006818771},{"word":"inflation","start":1044.645,"end":1045.145,"confidence":0.99868953,"punctuated_word":"inflation?","sentiment":"neutral","sentiment_score":-0.10048869997262956},{"word":"no","start":1048.485,"end":1048.645,"confidence":0.7036532,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05373719334602356},{"word":"that's","start":1048.645,"end":1048.885,"confidence":0.9964528,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07453635334968567},{"word":"fine","start":1048.885,"end":1049.385,"confidence":0.99606824,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.04216878488659859},{"word":"so","start":1049.765,"end":1050.265,"confidence":0.9098016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03234109282493591},{"word":"in","start":1050.325,"end":1050.5651,"confidence":0.98563737,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.004179798066616058},{"word":"regards","start":1050.5651,"end":1050.885,"confidence":0.99814284,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.010141156613826752},{"word":"to","start":1050.885,"end":1051.045,"confidence":0.96759695,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.008671112358570099},{"word":"like","start":1051.045,"end":1051.285,"confidence":0.99833184,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.03340806066989899},{"word":"inflation","start":1051.285,"end":1051.785,"confidence":0.9915668,"punctuated_word":"inflation,","sentiment":"neutral","sentiment_score":-0.04525735601782799},{"word":"obviously","start":1051.845,"end":1052.345,"confidence":0.992169,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.07094264775514603},{"word":"as","start":1052.43,"end":1052.5901,"confidence":0.9999076,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06836571544408798},{"word":"that","start":1052.5901,"end":1052.8301,"confidence":0.9996551,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0632849782705307},{"word":"goes","start":1052.8301,"end":1052.91,"confidence":0.99988484,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.04828459769487381},{"word":"up","start":1052.91,"end":1053.2301,"confidence":0.9919189,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.07541827857494354},{"word":"your","start":1053.2301,"end":1053.4701,"confidence":0.9928417,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.24626751244068143},{"word":"money","start":1053.4701,"end":1053.7101,"confidence":0.9999529,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.28559163212776184},{"word":"can","start":1053.7101,"end":1053.87,"confidence":0.9994431,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.1910158693790436},{"word":"sort","start":1053.87,"end":1054.1101,"confidence":0.98768497,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1982150226831436},{"word":"of","start":1054.1101,"end":1054.1901,"confidence":0.8566136,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2409876137971878},{"word":"devalue","start":1054.1901,"end":1054.67,"confidence":0.9983821,"punctuated_word":"devalue","sentiment":"neutral","sentiment_score":-0.3250265121459961},{"word":"if","start":1054.67,"end":1054.8301,"confidence":0.7797396,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.22617408633232117},{"word":"it's","start":1054.8301,"end":1054.9901,"confidence":0.99668765,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.20533299446105957},{"word":"just","start":1054.9901,"end":1055.15,"confidence":0.9963069,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1992921084165573},{"word":"sort","start":1055.15,"end":1055.31,"confidence":0.98808926,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.14936095476150513},{"word":"of","start":1055.31,"end":1055.39,"confidence":0.94858354,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16104966402053833},{"word":"sitting","start":1055.39,"end":1055.63,"confidence":0.997881,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.19551369547843933},{"word":"in","start":1055.63,"end":1055.79,"confidence":0.9990621,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.19428196549415588},{"word":"the","start":1055.79,"end":1055.9501,"confidence":0.9964401,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16944123804569244},{"word":"blank","start":1055.9501,"end":1056.3501,"confidence":0.97300285,"punctuated_word":"blank","sentiment":"neutral","sentiment_score":-0.2283976972103119},{"word":"the","start":1056.43,"end":1056.5901,"confidence":0.9574077,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2321826368570328},{"word":"bank","start":1056.5901,"end":1056.8301,"confidence":0.9575727,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.30593833327293396},{"word":"or","start":1056.8301,"end":1056.9901,"confidence":0.55434597,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2053428590297699},{"word":"you're","start":1056.9901,"end":1057.0701,"confidence":0.9419937,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.11417850106954576},{"word":"just","start":1057.0701,"end":1057.2301,"confidence":0.99910575,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.14695791900157928},{"word":"getting","start":1057.2301,"end":1057.4701,"confidence":0.9190903,"punctuated_word":"getting,","sentiment":"neutral","sentiment_score":-0.13221822679042816},{"word":"like","start":1057.4701,"end":1057.63,"confidence":0.9978453,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.13512477278709412},{"word":"the","start":1057.63,"end":1057.79,"confidence":0.9271743,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12123158574104308},{"word":"cash","start":1057.79,"end":1058.03,"confidence":0.9993325,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.13199737668037417},{"word":"interest","start":1058.03,"end":1058.43,"confidence":0.99901664,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.055207572877407074},{"word":"rate","start":1058.43,"end":1058.93,"confidence":0.98333585,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":-0.012174464762210846},{"word":"as","start":1058.9901,"end":1059.31,"confidence":0.89751273,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.11952546238899232},{"word":"opposed","start":1059.31,"end":1059.63,"confidence":0.9988366,"punctuated_word":"opposed","sentiment":"neutral","sentiment_score":-0.11176494508981703},{"word":"to","start":1059.63,"end":1059.79,"confidence":0.99054694,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.11700466275215148},{"word":"like","start":1059.79,"end":1059.9501,"confidence":0.99950826,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.10203413665294649},{"word":"being","start":1059.9501,"end":1060.27,"confidence":0.9987614,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.09348275512456894},{"word":"invested","start":1060.27,"end":1060.5901,"confidence":0.6896272,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.07715418934822083},{"word":"in","start":1060.5901,"end":1060.75,"confidence":0.7806836,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0710490494966507},{"word":"getting","start":1060.75,"end":1060.9901,"confidence":0.99799675,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.1006675511598587},{"word":"a","start":1060.9901,"end":1061.0701,"confidence":0.9992505,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.031856343150138855},{"word":"greater","start":1061.0701,"end":1061.4701,"confidence":0.9989384,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":-0.09290540218353271},{"word":"return","start":1061.4701,"end":1061.9701,"confidence":0.97276616,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":-0.09990136325359344},{"word":"obviously","start":1062.51,"end":1062.91,"confidence":0.9904971,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.140767440199852},{"word":"that","start":1062.91,"end":1063.0701,"confidence":0.9899065,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.18143516778945923},{"word":"caves","start":1063.0701,"end":1063.39,"confidence":0.29014143,"punctuated_word":"caves","sentiment":"neutral","sentiment_score":-0.2338557541370392},{"word":"with","start":1063.39,"end":1063.55,"confidence":0.6832369,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.263176292181015},{"word":"the","start":1063.55,"end":1063.7101,"confidence":0.69277716,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.269091933965683},{"word":"level","start":1063.7101,"end":1063.87,"confidence":0.9996226,"punctuated_word":"level","sentiment":"negative","sentiment_score":-0.3339250385761261},{"word":"of","start":1063.87,"end":1064.03,"confidence":0.99922276,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3680282533168793},{"word":"risk","start":1064.03,"end":1064.445,"confidence":0.9978101,"punctuated_word":"risk.","sentiment":"negative","sentiment_score":-0.35565751791000366},{"word":"how","start":1064.7649,"end":1064.9249,"confidence":0.9848125,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.09124097228050232},{"word":"much","start":1064.9249,"end":1065.1649,"confidence":0.9999478,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.11158905923366548},{"word":"risk","start":1065.1649,"end":1065.4049,"confidence":0.9993042,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.17222312092781067},{"word":"do","start":1065.4049,"end":1065.445,"confidence":0.9994869,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.12824730575084686},{"word":"you","start":1065.445,"end":1065.485,"confidence":0.9999225,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09175517410039902},{"word":"think","start":1065.485,"end":1065.6449,"confidence":0.9999291,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.09243417531251907},{"word":"you'd","start":1065.6449,"end":1065.8849,"confidence":0.9997418,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.10035736858844756},{"word":"be","start":1065.8849,"end":1065.965,"confidence":0.999788,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.12760989367961884},{"word":"willing","start":1065.965,"end":1066.125,"confidence":0.9996462,"punctuated_word":"willing","sentiment":"neutral","sentiment_score":-0.1046864613890648},{"word":"to","start":1066.125,"end":1066.2849,"confidence":0.99722064,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07676032930612564},{"word":"take","start":1066.2849,"end":1066.605,"confidence":0.99981636,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.0949465036392212},{"word":"to","start":1066.605,"end":1066.7649,"confidence":0.99912256,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09318389743566512},{"word":"sort","start":1066.7649,"end":1067.005,"confidence":0.9951153,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.09588219970464706},{"word":"of","start":1067.005,"end":1067.085,"confidence":0.9254839,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10964501649141312},{"word":"grow","start":1067.085,"end":1067.485,"confidence":0.9992556,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":-0.09220851212739944},{"word":"your","start":1067.485,"end":1067.6449,"confidence":0.99983144,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.12027473002672195},{"word":"money","start":1067.6449,"end":1067.965,"confidence":0.9985306,"punctuated_word":"money?","sentiment":"neutral","sentiment_score":-0.08037028461694717},{"word":"would","start":1067.965,"end":1068.125,"confidence":0.999496,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.053583525121212006},{"word":"you","start":1068.125,"end":1068.2849,"confidence":0.9996468,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.034309715032577515},{"word":"say","start":1068.2849,"end":1068.445,"confidence":0.9996711,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.04366637021303177},{"word":"you're","start":1068.445,"end":1068.4849,"confidence":0.83798504,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.05947079882025719},{"word":"a","start":1068.4849,"end":1068.5249,"confidence":0.98120433,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06198886036872864},{"word":"bit","start":1068.5249,"end":1068.6849,"confidence":0.99990094,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07557761669158936},{"word":"of","start":1068.6849,"end":1068.7649,"confidence":0.9997147,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06705338507890701},{"word":"a","start":1068.7649,"end":1068.845,"confidence":0.9998242,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07123638689517975},{"word":"moderate","start":1068.845,"end":1069.1649,"confidence":0.9998349,"punctuated_word":"moderate","sentiment":"neutral","sentiment_score":-0.06884855031967163},{"word":"risk","start":1069.1649,"end":1069.4049,"confidence":0.99979717,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.10420577228069304},{"word":"taker","start":1069.4049,"end":1069.6449,"confidence":0.9988771,"punctuated_word":"taker","sentiment":"neutral","sentiment_score":-0.06885548681020737},{"word":"or","start":1069.6449,"end":1069.8049,"confidence":0.9979048,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.09884212911128998},{"word":"a","start":1069.8049,"end":1069.8849,"confidence":0.92750525,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07457654178142548},{"word":"higher","start":1069.8849,"end":1070.125,"confidence":0.9630662,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.1034003347158432},{"word":"risk","start":1070.125,"end":1070.2849,"confidence":0.9997532,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.12001988291740416},{"word":"taker","start":1070.2849,"end":1070.7849,"confidence":0.99934435,"punctuated_word":"taker?","sentiment":"neutral","sentiment_score":-0.08304491639137268},{"word":"yep","start":1076.46,"end":1076.96,"confidence":0.99173903,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1084907054901123},{"word":"not","start":1078.0599,"end":1078.2999,"confidence":0.99584204,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.1871848106384277},{"word":"a","start":1078.2999,"end":1078.46,"confidence":0.99953187,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10302884876728058},{"word":"problem","start":1078.46,"end":1078.96,"confidence":0.9993683,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.14032673835754397},{"word":"and","start":1079.26,"end":1079.5,"confidence":0.9981824,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.01870512217283249},{"word":"then","start":1079.5,"end":1080.0,"confidence":0.9997037,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.02093106508255005},{"word":"as","start":1080.5399,"end":1080.7799,"confidence":0.9826104,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.053690385073423386},{"word":"far","start":1080.7799,"end":1081.02,"confidence":0.9998659,"punctuated_word":"far","sentiment":"neutral","sentiment_score":-0.057930923998355865},{"word":"as","start":1081.02,"end":1081.26,"confidence":0.99979466,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.057527974247932434},{"word":"if","start":1081.26,"end":1081.5,"confidence":0.9068617,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06831671297550201},{"word":"your","start":1081.5,"end":1081.82,"confidence":0.9938611,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.12518732249736786},{"word":"portfolio","start":1081.82,"end":1082.32,"confidence":0.9996686,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.2060999870300293},{"word":"was","start":1082.38,"end":1082.62,"confidence":0.998052,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.11643758416175842},{"word":"to","start":1082.62,"end":1082.86,"confidence":0.99945205,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1458396464586258},{"word":"decrease","start":1082.86,"end":1083.26,"confidence":0.88504124,"punctuated_word":"decrease,","sentiment":"neutral","sentiment_score":-0.09951965510845184},{"word":"so","start":1083.26,"end":1083.5,"confidence":0.78056943,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.09605608135461809},{"word":"obviously","start":1083.5,"end":1083.98,"confidence":0.99871206,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.11727426201105118},{"word":"there's","start":1083.98,"end":1084.2999,"confidence":0.99943805,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.13674917817115784},{"word":"ups","start":1084.2999,"end":1084.46,"confidence":0.9984571,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.17570072412490845},{"word":"and","start":1084.46,"end":1084.62,"confidence":0.9995679,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2152360826730728},{"word":"downs","start":1084.62,"end":1084.94,"confidence":0.99959475,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":-0.18028539419174192},{"word":"in","start":1084.94,"end":1085.02,"confidence":0.9992654,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.22026972472667697},{"word":"the","start":1085.02,"end":1085.1799,"confidence":0.999579,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20328304171562195},{"word":"market","start":1085.1799,"end":1085.5,"confidence":0.7156423,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.2456267476081848},{"word":"and","start":1085.5,"end":1085.74,"confidence":0.997463,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.107549250125885},{"word":"with","start":1085.74,"end":1086.14,"confidence":0.97418034,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":-0.1505461037158966},{"word":"you","start":1086.14,"end":1086.38,"confidence":0.5128422,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11226528882980348},{"word":"know","start":1086.38,"end":1086.62,"confidence":0.9995091,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.11689399182796478},{"word":"what's","start":1086.62,"end":1086.86,"confidence":0.9998541,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.1285969763994217},{"word":"been","start":1086.86,"end":1087.1,"confidence":0.9993413,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.14505496621131897},{"word":"going","start":1087.1,"end":1087.34,"confidence":0.99984455,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.16380514204502106},{"word":"on","start":1087.34,"end":1087.5,"confidence":0.999119,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1556299775838852},{"word":"the","start":1087.5,"end":1087.58,"confidence":0.94068867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16132578253746033},{"word":"past","start":1087.58,"end":1087.82,"confidence":0.99585706,"punctuated_word":"past","sentiment":"neutral","sentiment_score":-0.18919038772583008},{"word":"sort","start":1087.82,"end":1088.0599,"confidence":0.8785021,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.158951535820961},{"word":"of","start":1088.0599,"end":1088.14,"confidence":0.90955853,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1560196578502655},{"word":"year","start":1088.14,"end":1088.2999,"confidence":0.9891186,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.16134992241859436},{"word":"with","start":1088.2999,"end":1088.46,"confidence":0.80344063,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1473962366580963},{"word":"trump's","start":1088.46,"end":1088.7799,"confidence":0.91920686,"punctuated_word":"Trump's","sentiment":"neutral","sentiment_score":-0.18818072974681857},{"word":"tariffs","start":1088.7799,"end":1089.2799,"confidence":0.956422,"punctuated_word":"tariffs,","sentiment":"neutral","sentiment_score":-0.160744309425354},{"word":"the","start":1089.34,"end":1089.5,"confidence":0.97806007,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1837524175643921},{"word":"wars","start":1089.5,"end":1090.0,"confidence":0.9678843,"punctuated_word":"wars,","sentiment":"neutral","sentiment_score":-0.18709763884544373},{"word":"those","start":1090.3451,"end":1090.505,"confidence":0.962088,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.14593973755836487},{"word":"sort","start":1090.505,"end":1090.545,"confidence":0.98216796,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.14777891337871552},{"word":"of","start":1090.545,"end":1090.5851,"confidence":0.9679091,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14657695591449738},{"word":"things","start":1090.5851,"end":1090.8251,"confidence":0.99629337,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.21919061243534088},{"word":"kicking","start":1090.8251,"end":1091.145,"confidence":0.993818,"punctuated_word":"kicking","sentiment":"neutral","sentiment_score":-0.17468112707138062},{"word":"off","start":1091.145,"end":1091.2251,"confidence":0.8402645,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.23862536251544952},{"word":"it's","start":1091.2251,"end":1091.4651,"confidence":0.9994593,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.19951318204402924},{"word":"been","start":1091.4651,"end":1091.625,"confidence":0.99964917,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.18970175087451935},{"word":"a","start":1091.625,"end":1091.7051,"confidence":0.999506,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18275313079357147},{"word":"bit","start":1091.7051,"end":1091.8651,"confidence":0.99987185,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.18753424286842343},{"word":"of","start":1091.8651,"end":1091.9451,"confidence":0.995144,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21269077062606812},{"word":"a","start":1091.9451,"end":1092.1051,"confidence":0.9829132,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17265494167804718},{"word":"a","start":1092.1051,"end":1092.185,"confidence":0.8493576,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18342670798301697},{"word":"bit","start":1092.185,"end":1092.425,"confidence":0.99948174,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.19306844472885132},{"word":"of","start":1092.425,"end":1092.5851,"confidence":0.9932516,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21143220365047455},{"word":"a","start":1092.5851,"end":1092.665,"confidence":0.98408717,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1979808807373047},{"word":"down","start":1092.665,"end":1093.165,"confidence":0.8758341,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.19720880687236783},{"word":"but","start":1093.305,"end":1093.545,"confidence":0.82688135,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.08158423006534576},{"word":"in","start":1093.545,"end":1093.7051,"confidence":0.9950616,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06665057688951492},{"word":"saying","start":1093.7051,"end":1094.1051,"confidence":0.99952376,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.05929433926939964},{"word":"that","start":1094.1051,"end":1094.425,"confidence":0.9021051,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.08389443904161453},{"word":"how","start":1094.425,"end":1094.5851,"confidence":0.9997707,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.106525756418705},{"word":"much","start":1094.5851,"end":1094.7451,"confidence":0.99965334,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.18150629103183744},{"word":"would","start":1094.7451,"end":1094.8651,"confidence":0.97855306,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.149146169424057},{"word":"it","start":1094.8651,"end":1094.9851,"confidence":0.9292227,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1802583932876587},{"word":"have","start":1094.9851,"end":1095.2251,"confidence":0.99936694,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1859038472175598},{"word":"to","start":1095.2251,"end":1095.305,"confidence":0.99832016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2121884822845459},{"word":"drop","start":1095.305,"end":1095.545,"confidence":0.99936503,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.1572769433259964},{"word":"before","start":1095.545,"end":1095.785,"confidence":0.9995449,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.1803918033838272},{"word":"you'd","start":1095.785,"end":1096.185,"confidence":0.99822176,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.23413822054862976},{"word":"be","start":1096.185,"end":1096.3451,"confidence":0.9996278,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2274157553911209},{"word":"quite","start":1096.3451,"end":1096.5851,"confidence":0.9993855,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.18473941087722776},{"word":"concerned","start":1096.5851,"end":1097.0851,"confidence":0.96787906,"punctuated_word":"concerned?","sentiment":"neutral","sentiment_score":-0.18122217059135437},{"word":"like","start":1097.545,"end":1097.7051,"confidence":0.9912207,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.09116655588150024},{"word":"if","start":1097.7051,"end":1097.9451,"confidence":0.99982446,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11724795401096344},{"word":"it","start":1097.9451,"end":1098.025,"confidence":0.9990957,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.17214909195899963},{"word":"dropped","start":1098.025,"end":1098.3451,"confidence":0.96217114,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":-0.16236713528633118},{"word":"by","start":1098.3451,"end":1098.505,"confidence":0.99825543,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.14496661722660065},{"word":"20%","start":1098.505,"end":1099.0651,"confidence":0.9992398,"punctuated_word":"20%,","sentiment":"neutral","sentiment_score":-0.14858610928058624},{"word":"would","start":1099.0651,"end":1099.2251,"confidence":0.99980146,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1286550760269165},{"word":"you","start":1099.2251,"end":1099.385,"confidence":0.99990666,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12921196222305298},{"word":"just","start":1099.385,"end":1099.545,"confidence":0.98702246,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.13318195939064026},{"word":"still","start":1099.545,"end":1099.785,"confidence":0.9970884,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.15558522939682007},{"word":"hold","start":1099.785,"end":1100.025,"confidence":0.99982893,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.14091069996356964},{"word":"it","start":1100.025,"end":1100.1051,"confidence":0.9997862,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13464587926864624},{"word":"out","start":1100.1051,"end":1100.3451,"confidence":0.99968314,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.15862764418125153},{"word":"and","start":1100.3451,"end":1100.5851,"confidence":0.992969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1121971309185028},{"word":"know","start":1100.5851,"end":1100.7451,"confidence":0.99845076,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.151178777217865},{"word":"that","start":1100.7451,"end":1100.905,"confidence":0.99889946,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1427634358406067},{"word":"sort","start":1100.905,"end":1101.145,"confidence":0.94722354,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1337364912033081},{"word":"of","start":1101.145,"end":1101.385,"confidence":0.8635649,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.13952499628067017},{"word":"you","start":1101.385,"end":1101.4651,"confidence":0.99980396,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10829512774944304},{"word":"know","start":1101.4651,"end":1101.625,"confidence":0.9994878,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.12954887747764587},{"word":"the","start":1101.625,"end":1101.7051,"confidence":0.99974984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19018778204917908},{"word":"markets","start":1101.7051,"end":1102.185,"confidence":0.9864391,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.27278849482536316},{"word":"would","start":1102.185,"end":1102.3451,"confidence":0.99965394,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.2502765655517578},{"word":"turn","start":1102.3451,"end":1102.5851,"confidence":0.9866862,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":-0.21800145506858823},{"word":"around","start":1102.5851,"end":1102.8251,"confidence":0.8450612,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":-0.15847563743591309},{"word":"or","start":1102.8251,"end":1102.9851,"confidence":0.9996731,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.13152621686458588},{"word":"would","start":1102.9851,"end":1103.145,"confidence":0.9997259,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08767569065093994},{"word":"you","start":1103.145,"end":1103.305,"confidence":0.999464,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06507694721221924},{"word":"say","start":1103.305,"end":1103.545,"confidence":0.9997489,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.087740957736969},{"word":"that","start":1103.545,"end":1103.785,"confidence":0.9997323,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11773957312107086},{"word":"you'd","start":1103.785,"end":1104.285,"confidence":0.97792435,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.1238674521446228},{"word":"look","start":1104.49,"end":1104.8099,"confidence":0.99128145,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.15199807286262512},{"word":"to","start":1104.8099,"end":1105.0499,"confidence":0.99663925,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1300613433122635},{"word":"maybe","start":1105.0499,"end":1105.5299,"confidence":0.9692365,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.12596189975738523},{"word":"be","start":1105.5299,"end":1105.61,"confidence":0.61982685,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.14344090223312378},{"word":"a","start":1105.61,"end":1105.69,"confidence":0.99002784,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13380959630012512},{"word":"bit","start":1105.69,"end":1105.85,"confidence":0.9990212,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08713194727897644},{"word":"more","start":1105.85,"end":1106.09,"confidence":0.9996624,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.15949124097824097},{"word":"secure","start":1106.09,"end":1106.33,"confidence":0.99943024,"punctuated_word":"secure","sentiment":"neutral","sentiment_score":-0.18903198838233948},{"word":"and","start":1106.33,"end":1106.57,"confidence":0.997288,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11205420643091202},{"word":"a","start":1106.57,"end":1106.6499,"confidence":0.99959093,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11185382306575777},{"word":"bit","start":1106.6499,"end":1106.8099,"confidence":0.99992514,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08447296172380447},{"word":"more","start":1106.8099,"end":1106.97,"confidence":0.9993006,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.11706115305423737},{"word":"defensive","start":1106.97,"end":1107.37,"confidence":0.95001715,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.2195231467485428},{"word":"in","start":1107.37,"end":1107.5299,"confidence":0.9995059,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1156029850244522},{"word":"your","start":1107.5299,"end":1107.7699,"confidence":0.9997918,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.16498306393623352},{"word":"investments","start":1107.7699,"end":1108.2699,"confidence":0.8918785,"punctuated_word":"investments?","sentiment":"neutral","sentiment_score":-0.09367705136537552},{"word":"or","start":1108.33,"end":1108.83,"confidence":0.9060587,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.0934407189488411},{"word":"yeah","start":1120.585,"end":1120.985,"confidence":0.83030343,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.18870830535888672},{"word":"so","start":1120.985,"end":1121.225,"confidence":0.9132209,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.17701953649520874},{"word":"like","start":1121.225,"end":1121.725,"confidence":0.9981084,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.16023482382297516},{"word":"in","start":1121.865,"end":1122.025,"confidence":0.9748628,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1402474343776703},{"word":"regards","start":1122.025,"end":1122.345,"confidence":0.9946315,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.1193147599697113},{"word":"to","start":1122.345,"end":1122.4249,"confidence":0.98933893,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15175214409828186},{"word":"the","start":1122.4249,"end":1122.505,"confidence":0.5473905,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19320525228977203},{"word":"markets","start":1122.505,"end":1122.825,"confidence":0.9661281,"punctuated_word":"markets,","sentiment":"neutral","sentiment_score":-0.1840691864490509},{"word":"obviously","start":1122.825,"end":1123.225,"confidence":0.97080356,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.15470074117183685},{"word":"they've","start":1123.225,"end":1123.385,"confidence":0.993412,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.2097865343093872},{"word":"gone","start":1123.385,"end":1123.705,"confidence":0.99095553,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.267317533493042},{"word":"backwards","start":1123.705,"end":1124.105,"confidence":0.9926571,"punctuated_word":"backwards","sentiment":"neutral","sentiment_score":-0.2677982449531555},{"word":"a","start":1124.105,"end":1124.1849,"confidence":0.99959224,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2161509394645691},{"word":"little","start":1124.1849,"end":1124.4249,"confidence":0.99996185,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.18368306756019592},{"word":"bit","start":1124.4249,"end":1124.6649,"confidence":0.9997328,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.21590527892112732},{"word":"this","start":1124.6649,"end":1125.1649,"confidence":0.71851426,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.2222355604171753},{"word":"sort","start":1125.225,"end":1125.465,"confidence":0.60625327,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.17827075719833374},{"word":"of","start":1125.465,"end":1125.625,"confidence":0.9148416,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.22075241804122925},{"word":"last","start":1125.625,"end":1125.865,"confidence":0.995475,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.2257564961910248},{"word":"twelve","start":1125.865,"end":1126.1849,"confidence":0.9997054,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.238047257065773},{"word":"months","start":1126.1849,"end":1126.505,"confidence":0.87455684,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.10140064358711244},{"word":"but","start":1126.505,"end":1126.745,"confidence":0.9994536,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.036500364542007446},{"word":"if","start":1126.745,"end":1126.985,"confidence":0.9989648,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03517371788620949},{"word":"it","start":1126.985,"end":1127.065,"confidence":0.9995347,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02791254222393036},{"word":"was","start":1127.065,"end":1127.385,"confidence":0.99927324,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.0504598468542099},{"word":"to","start":1127.385,"end":1127.5449,"confidence":0.9709599,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07101523876190186},{"word":"die","start":1127.5449,"end":1127.705,"confidence":0.6153759,"punctuated_word":"die","sentiment":"neutral","sentiment_score":-0.06563998758792877},{"word":"sort","start":1127.705,"end":1127.945,"confidence":0.71689457,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.13858750462532043},{"word":"of","start":1127.945,"end":1128.025,"confidence":0.9304919,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12587153911590576},{"word":"like","start":1128.025,"end":1128.265,"confidence":0.78868186,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.1187840774655342},{"word":"covid","start":1128.265,"end":1128.585,"confidence":0.9942655,"punctuated_word":"COVID,","sentiment":"neutral","sentiment_score":-0.07100144028663635},{"word":"would","start":1128.585,"end":1128.745,"confidence":0.9995956,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.03422638773918152},{"word":"you","start":1128.745,"end":1128.905,"confidence":0.9997701,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01534879207611084},{"word":"still","start":1128.905,"end":1129.145,"confidence":0.99937564,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.013931095600128174},{"word":"be","start":1129.145,"end":1129.3049,"confidence":0.9993413,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.018268734216690063},{"word":"comfortable","start":1129.3049,"end":1129.705,"confidence":0.9997601,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.03370475769042969},{"word":"putting","start":1129.705,"end":1129.945,"confidence":0.99983275,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.011265479028224943},{"word":"money","start":1129.945,"end":1130.1849,"confidence":0.85893273,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":0.026315324008464813},{"word":"like","start":1130.1849,"end":1130.345,"confidence":0.99805665,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04867227375507355},{"word":"in","start":1130.345,"end":1130.505,"confidence":0.8950858,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05653353035449982},{"word":"your","start":1130.505,"end":1130.6649,"confidence":0.90439314,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04513990879058838},{"word":"superannuation","start":1130.6649,"end":1131.1649,"confidence":0.994934,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.06166569143533707},{"word":"for","start":1131.57,"end":1131.8099,"confidence":0.985302,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1044960767030716},{"word":"those","start":1131.8099,"end":1131.97,"confidence":0.9996685,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.11118154227733612},{"word":"investments","start":1131.97,"end":1132.47,"confidence":0.9994929,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.06033419072628021},{"word":"to","start":1132.5299,"end":1132.69,"confidence":0.99933654,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10108676552772522},{"word":"return","start":1132.69,"end":1133.09,"confidence":0.9998178,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.21883776783943176},{"word":"at","start":1133.09,"end":1133.1699,"confidence":0.99858475,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06524313986301422},{"word":"a","start":1133.1699,"end":1133.25,"confidence":0.9979582,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06611357629299164},{"word":"later","start":1133.25,"end":1133.49,"confidence":0.99979264,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.12148814648389816},{"word":"date","start":1133.49,"end":1133.73,"confidence":0.99891603,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.1661437749862671},{"word":"and","start":1133.73,"end":1134.0499,"confidence":0.856833,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03209201991558075},{"word":"like","start":1134.0499,"end":1134.45,"confidence":0.8059644,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08467112481594086},{"word":"having","start":1134.45,"end":1134.85,"confidence":0.9686441,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.1452213078737259},{"word":"sort","start":1134.85,"end":1135.09,"confidence":0.99500716,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1219698041677475},{"word":"of","start":1135.09,"end":1135.33,"confidence":0.99153626,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1461668312549591},{"word":"conviction","start":1135.33,"end":1135.73,"confidence":0.98487085,"punctuated_word":"conviction","sentiment":"neutral","sentiment_score":0.11890070140361786},{"word":"that","start":1135.73,"end":1135.8899,"confidence":0.9996586,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12962613999843595},{"word":"they","start":1135.8899,"end":1136.0499,"confidence":0.9964168,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1476271152496338},{"word":"will","start":1136.0499,"end":1136.2899,"confidence":0.99965656,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09910483658313753},{"word":"sort","start":1136.2899,"end":1136.5299,"confidence":0.99675936,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06831441819667816},{"word":"of","start":1136.5299,"end":1136.61,"confidence":0.99506575,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.112259142100811},{"word":"return","start":1136.61,"end":1136.9299,"confidence":0.9996195,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.18964435160160065},{"word":"at","start":1136.9299,"end":1137.09,"confidence":0.9977818,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01590258628129959},{"word":"some","start":1137.09,"end":1137.25,"confidence":0.9994752,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.004602715373039246},{"word":"point","start":1137.25,"end":1137.75,"confidence":0.9924674,"punctuated_word":"point?","sentiment":"neutral","sentiment_score":0.0307399220764637},{"word":"yeah","start":1152.5449,"end":1152.7849,"confidence":0.81962365,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10805339366197586},{"word":"yep","start":1152.7849,"end":1153.2849,"confidence":0.91781926,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18550264835357663},{"word":"perfect","start":1153.825,"end":1154.3049,"confidence":0.7332707,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4318746328353882},{"word":"and","start":1154.3049,"end":1154.465,"confidence":0.99891496,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.16425657272338867},{"word":"then","start":1154.465,"end":1154.7849,"confidence":0.9982664,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11931782960891724},{"word":"with","start":1154.7849,"end":1155.0249,"confidence":0.99353117,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08495145291090012},{"word":"that","start":1155.0249,"end":1155.345,"confidence":0.85964173,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.11584553122520448},{"word":"though","start":1155.345,"end":1155.845,"confidence":0.99778706,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":0.03736717626452446},{"word":"did","start":1155.985,"end":1156.145,"confidence":0.99929416,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.02860298752784729},{"word":"that","start":1156.145,"end":1156.3049,"confidence":0.9997913,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02131391316652298},{"word":"make","start":1156.3049,"end":1156.5449,"confidence":0.9997991,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.06894370913505554},{"word":"you","start":1156.5449,"end":1156.705,"confidence":0.9845328,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.016903571784496307},{"word":"a","start":1156.705,"end":1156.7849,"confidence":0.9958568,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07222871482372284},{"word":"bit","start":1156.7849,"end":1157.0249,"confidence":0.99949825,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.06032394617795944},{"word":"cautious","start":1157.0249,"end":1157.505,"confidence":0.99980026,"punctuated_word":"cautious","sentiment":"neutral","sentiment_score":-0.12499440461397172},{"word":"at","start":1157.505,"end":1157.585,"confidence":0.9995571,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.17841237783432007},{"word":"all","start":1157.585,"end":1157.825,"confidence":0.9998996,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.05526426434516907},{"word":"or","start":1157.825,"end":1158.3,"confidence":0.9545818,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.12060483545064926},{"word":"sorta","start":1158.38,"end":1158.78,"confidence":0.7539362,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":-0.0844760313630104},{"word":"concerned","start":1158.78,"end":1159.26,"confidence":0.86075467,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":-0.10242987424135208},{"word":"when","start":1159.26,"end":1159.5,"confidence":0.9996177,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.06715425848960876},{"word":"it","start":1159.5,"end":1159.66,"confidence":0.9993799,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07581909745931625},{"word":"did","start":1159.66,"end":1159.8201,"confidence":0.99835134,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.04050622135400772},{"word":"dip","start":1159.8201,"end":1160.06,"confidence":0.9723928,"punctuated_word":"dip","sentiment":"neutral","sentiment_score":-0.02310938388109207},{"word":"during","start":1160.06,"end":1160.38,"confidence":0.99953794,"punctuated_word":"during","sentiment":"neutral","sentiment_score":-0.09422460943460464},{"word":"covid","start":1160.38,"end":1160.88,"confidence":0.9988501,"punctuated_word":"COVID?","sentiment":"neutral","sentiment_score":-0.04251551628112793},{"word":"yeah","start":1176.075,"end":1176.3949,"confidence":0.81740737,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10417485237121582},{"word":"so","start":1176.3949,"end":1176.6349,"confidence":0.98689425,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13560865819454193},{"word":"previously","start":1176.6349,"end":1177.0349,"confidence":0.81646156,"punctuated_word":"previously,","sentiment":"neutral","sentiment_score":-0.13982254266738892},{"word":"you're","start":1177.0349,"end":1177.195,"confidence":0.9583448,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.14133575558662417},{"word":"a","start":1177.195,"end":1177.2749,"confidence":0.9991227,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17323407530784607},{"word":"little","start":1177.2749,"end":1177.4349,"confidence":0.99983156,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.13457652926445007},{"word":"bit","start":1177.4349,"end":1177.5149,"confidence":0.9993117,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.16689705848693848},{"word":"more","start":1177.5149,"end":1177.7549,"confidence":0.99953556,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.13354969024658203},{"word":"optimistic","start":1177.7549,"end":1178.2549,"confidence":0.9999329,"punctuated_word":"optimistic","sentiment":"neutral","sentiment_score":-0.06246364116668701},{"word":"about","start":1178.315,"end":1178.475,"confidence":0.9997923,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.007208496332168579},{"word":"market","start":1178.475,"end":1178.875,"confidence":0.99857485,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.07194116711616516},{"word":"outcomes","start":1178.875,"end":1179.195,"confidence":0.7701167,"punctuated_word":"outcomes,","sentiment":"neutral","sentiment_score":-0.10299883037805556},{"word":"but","start":1179.195,"end":1179.4349,"confidence":0.99963737,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.10205889493227004},{"word":"obviously","start":1179.4349,"end":1179.7549,"confidence":0.59560156,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.22042755782604215},{"word":"if","start":1179.7549,"end":1179.835,"confidence":0.77951443,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.29228702187538147},{"word":"a","start":1179.835,"end":1179.9149,"confidence":0.7333728,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3848070204257965},{"word":"world","start":1179.9149,"end":1180.1549,"confidence":0.7815141,"punctuated_word":"World","sentiment":"negative","sentiment_score":-0.3603541553020478},{"word":"war","start":1180.1549,"end":1180.3949,"confidence":0.9998186,"punctuated_word":"War","sentiment":"neutral","sentiment_score":-0.32223600149154663},{"word":"three","start":1180.3949,"end":1180.6349,"confidence":0.89605814,"punctuated_word":"three","sentiment":"negative","sentiment_score":-0.3357540965080261},{"word":"kicks","start":1180.6349,"end":1180.7949,"confidence":0.9948678,"punctuated_word":"kicks","sentiment":"negative","sentiment_score":-0.35171812772750854},{"word":"off","start":1180.7949,"end":1180.955,"confidence":0.9933597,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":-0.2805899679660797},{"word":"you're","start":1180.955,"end":1181.195,"confidence":0.9986906,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.4068536162376404},{"word":"a","start":1181.195,"end":1181.2749,"confidence":0.99835205,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3570416569709778},{"word":"little","start":1181.2749,"end":1181.4349,"confidence":0.9998555,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2993081510066986},{"word":"bit","start":1181.4349,"end":1181.595,"confidence":0.9982103,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3686547577381134},{"word":"more","start":1181.595,"end":1181.7549,"confidence":0.9998186,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.439309686422348},{"word":"pessimistic","start":1181.7549,"end":1182.2549,"confidence":0.9998518,"punctuated_word":"pessimistic","sentiment":"negative","sentiment_score":-0.47946539521217346},{"word":"with","start":1182.3949,"end":1182.5549,"confidence":0.9997843,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.5111154913902283},{"word":"that","start":1182.5549,"end":1182.7949,"confidence":0.9998252,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4277310371398926},{"word":"one","start":1182.7949,"end":1183.11,"confidence":0.9593524,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.3222673535346985},{"word":"yeah","start":1184.71,"end":1185.11,"confidence":0.91705966,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":4.153698682785034e-6},{"word":"no","start":1185.11,"end":1185.51,"confidence":0.78461975,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11903049051761629},{"word":"completely","start":1185.51,"end":1186.01,"confidence":0.99280095,"punctuated_word":"Completely","sentiment":"neutral","sentiment_score":-0.10111194849014282},{"word":"understandable","start":1186.07,"end":1186.57,"confidence":0.99738526,"punctuated_word":"understandable.","sentiment":"neutral","sentiment_score":-0.116892509162426},{"word":"and","start":1188.47,"end":1188.5499,"confidence":0.9420893,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.02581949532032013},{"word":"then","start":1188.5499,"end":1188.79,"confidence":0.88374937,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.026189647614955906},{"word":"with","start":1188.79,"end":1189.11,"confidence":0.984133,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05990740656852722},{"word":"borrowed","start":1189.11,"end":1189.35,"confidence":0.9980855,"punctuated_word":"borrowed","sentiment":"neutral","sentiment_score":-0.05632704496383667},{"word":"money","start":1189.35,"end":1189.67,"confidence":0.9854549,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":-0.06318022310733795},{"word":"obviously","start":1189.67,"end":1189.99,"confidence":0.9839728,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.03910481557250023},{"word":"you've","start":1189.99,"end":1190.15,"confidence":0.999222,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.05576049908995629},{"word":"got","start":1190.15,"end":1190.39,"confidence":0.9929004,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.06803306937217712},{"word":"borrowed","start":1190.39,"end":1190.63,"confidence":0.99905914,"punctuated_word":"borrowed","sentiment":"neutral","sentiment_score":-0.08004758507013321},{"word":"money","start":1190.63,"end":1190.87,"confidence":0.9997787,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.06711652129888535},{"word":"for","start":1190.87,"end":1191.03,"confidence":0.9571376,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.05387416481971741},{"word":"you","start":1191.03,"end":1191.11,"confidence":0.87633646,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.045964643359184265},{"word":"know","start":1191.11,"end":1191.35,"confidence":0.9977221,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.03812369704246521},{"word":"like","start":1191.35,"end":1191.67,"confidence":0.8460134,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.01633182168006897},{"word":"the","start":1191.67,"end":1191.75,"confidence":0.9515022,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0000379905104637146},{"word":"investment","start":1191.75,"end":1192.25,"confidence":0.99985373,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.0063219740986824036},{"word":"property","start":1192.3099,"end":1192.71,"confidence":0.9998841,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.007885485887527466},{"word":"there","start":1192.71,"end":1193.21,"confidence":0.9995129,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.00508156418800354},{"word":"and","start":1194.23,"end":1194.39,"confidence":0.8756369,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00521598756313324},{"word":"your","start":1194.39,"end":1194.63,"confidence":0.94300646,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.010774955153465273},{"word":"your","start":1194.63,"end":1194.87,"confidence":0.88377273,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.00906115025281906},{"word":"primary","start":1194.87,"end":1195.35,"confidence":0.9985374,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.03657999634742737},{"word":"residence","start":1195.35,"end":1195.75,"confidence":0.8917079,"punctuated_word":"residence.","sentiment":"neutral","sentiment_score":-0.0009384527802467346},{"word":"but","start":1195.75,"end":1196.145,"confidence":0.9979253,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.06687998026609421},{"word":"would","start":1196.305,"end":1196.545,"confidence":0.99986196,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08421558141708374},{"word":"you","start":1196.545,"end":1196.625,"confidence":0.9998627,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09532121568918228},{"word":"ever","start":1196.625,"end":1196.785,"confidence":0.9997521,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.03330034017562866},{"word":"put","start":1196.785,"end":1197.105,"confidence":0.99970347,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.14050215482711792},{"word":"borrowed","start":1197.105,"end":1197.345,"confidence":0.9958383,"punctuated_word":"borrowed","sentiment":"neutral","sentiment_score":-0.15057885646820068},{"word":"money","start":1197.345,"end":1197.505,"confidence":0.99987304,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.1544625461101532},{"word":"into","start":1197.505,"end":1197.745,"confidence":0.995542,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.22036731243133545},{"word":"anything","start":1197.745,"end":1198.0651,"confidence":0.99976987,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.2015133500099182},{"word":"riskier","start":1198.0651,"end":1198.465,"confidence":0.9943434,"punctuated_word":"riskier","sentiment":"neutral","sentiment_score":-0.2363806664943695},{"word":"like","start":1198.465,"end":1198.7051,"confidence":0.56794614,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.2023441344499588},{"word":"an","start":1198.7051,"end":1198.865,"confidence":0.9911356,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.15549540519714355},{"word":"investment","start":1198.865,"end":1199.365,"confidence":0.9998801,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.13827189803123474},{"word":"portfolio","start":1199.425,"end":1199.905,"confidence":0.906881,"punctuated_word":"portfolio?","sentiment":"neutral","sentiment_score":-0.13750521838665009},{"word":"so","start":1199.905,"end":1200.0651,"confidence":0.57926613,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09498722851276398},{"word":"if","start":1200.0651,"end":1200.225,"confidence":0.9979717,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1006220281124115},{"word":"you","start":1200.225,"end":1200.385,"confidence":0.98781747,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10996810346841812},{"word":"had","start":1200.385,"end":1200.7051,"confidence":0.94793296,"punctuated_word":"had,","sentiment":"neutral","sentiment_score":-0.14050471782684326},{"word":"like","start":1200.7051,"end":1200.865,"confidence":0.9980097,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.11614805459976196},{"word":"a","start":1200.865,"end":1201.025,"confidence":0.9996598,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09180746972560884},{"word":"loan","start":1201.025,"end":1201.185,"confidence":0.999801,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.09234883636236192},{"word":"or","start":1201.185,"end":1201.345,"confidence":0.99771285,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.10224204510450365},{"word":"redraw","start":1201.345,"end":1201.745,"confidence":0.9832562,"punctuated_word":"redraw","sentiment":"neutral","sentiment_score":-0.09896644949913024},{"word":"on","start":1201.745,"end":1201.905,"confidence":0.998273,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.11787120997905733},{"word":"your","start":1201.905,"end":1202.0651,"confidence":0.9997408,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.12506073713302612},{"word":"mortgage","start":1202.0651,"end":1202.465,"confidence":0.99992275,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.0885530486702919},{"word":"to","start":1202.465,"end":1202.625,"confidence":0.9965912,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08504336327314377},{"word":"have","start":1202.625,"end":1202.865,"confidence":0.9834486,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.08568115532398224},{"word":"like","start":1202.865,"end":1203.105,"confidence":0.9993618,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.07629938423633575},{"word":"an","start":1203.105,"end":1203.265,"confidence":0.99965835,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.06763240694999695},{"word":"investment","start":1203.265,"end":1203.665,"confidence":0.9998266,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.07767687737941742},{"word":"outside","start":1203.665,"end":1204.0651,"confidence":0.99889463,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.04979771375656128},{"word":"of","start":1204.0651,"end":1204.225,"confidence":0.9998691,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07079732418060303},{"word":"superannuation","start":1204.225,"end":1204.725,"confidence":0.98630464,"punctuated_word":"superannuation,","sentiment":"neutral","sentiment_score":-0.07053419202566147},{"word":"would","start":1204.865,"end":1205.025,"confidence":0.9997203,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.04783345013856888},{"word":"you","start":1205.025,"end":1205.185,"confidence":0.9997427,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05487101525068283},{"word":"ever","start":1205.185,"end":1205.505,"confidence":0.9958134,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.05378945171833038},{"word":"consider","start":1205.505,"end":1205.905,"confidence":0.997968,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.07950784265995026},{"word":"that","start":1205.905,"end":1206.405,"confidence":0.99922943,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.07375167310237885},{"word":"yeah","start":1222.0951,"end":1222.5751,"confidence":0.9084691,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11159047484397888},{"word":"so","start":1222.5751,"end":1223.055,"confidence":0.8793588,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.1331767588853836},{"word":"obviously","start":1223.055,"end":1223.535,"confidence":0.9993997,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.13612203299999237},{"word":"you've","start":1223.535,"end":1223.935,"confidence":0.90508145,"punctuated_word":"you've,","sentiment":"neutral","sentiment_score":0.14011622965335846},{"word":"like","start":1223.935,"end":1224.175,"confidence":0.9881657,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1541314721107483},{"word":"set","start":1224.175,"end":1224.415,"confidence":0.99740463,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.20364594459533691},{"word":"yourself","start":1224.415,"end":1224.7351,"confidence":0.997759,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.22028088569641113},{"word":"up","start":1224.7351,"end":1224.895,"confidence":0.9991627,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2091677039861679},{"word":"well","start":1224.895,"end":1225.055,"confidence":0.99833137,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.20658139884471893},{"word":"with","start":1225.055,"end":1225.295,"confidence":0.9869828,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.17222076654434204},{"word":"like","start":1225.295,"end":1225.4551,"confidence":0.99947286,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.16022101044654846},{"word":"the","start":1225.4551,"end":1225.535,"confidence":0.92064583,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21177300810813904},{"word":"property","start":1225.535,"end":1225.8551,"confidence":0.99547595,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.1652744859457016},{"word":"side","start":1225.8551,"end":1226.0951,"confidence":0.99911433,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.19840313494205475},{"word":"of","start":1226.0951,"end":1226.175,"confidence":0.9996401,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14369329810142517},{"word":"things","start":1226.175,"end":1226.495,"confidence":0.9227474,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.15049996972084043},{"word":"having","start":1226.495,"end":1226.7351,"confidence":0.9998381,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.18733416497707367},{"word":"your","start":1226.7351,"end":1226.9751,"confidence":0.96082044,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12877675890922546},{"word":"primary","start":1226.9751,"end":1227.375,"confidence":0.9996112,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.12272641807794572},{"word":"residence","start":1227.375,"end":1227.775,"confidence":0.89270586,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":0.09902797639369965},{"word":"there","start":1227.775,"end":1228.015,"confidence":0.9866072,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1437331736087799},{"word":"having","start":1228.015,"end":1228.3351,"confidence":0.99966574,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.21170777082443237},{"word":"an","start":1228.3351,"end":1228.415,"confidence":0.70060253,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.14134511351585388},{"word":"investment","start":1228.415,"end":1228.8151,"confidence":0.99986625,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.10064854472875596},{"word":"property","start":1228.8151,"end":1229.3151,"confidence":0.9372729,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.12729695439338684},{"word":"the","start":1229.4551,"end":1229.615,"confidence":0.9915206,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.13632363080978394},{"word":"next","start":1229.615,"end":1229.8551,"confidence":0.99993706,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.105581633746624},{"word":"sort","start":1229.8551,"end":1230.015,"confidence":0.9912627,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09036035090684892},{"word":"of","start":1230.015,"end":1230.175,"confidence":0.9417534,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10336007177829742},{"word":"step","start":1230.175,"end":1230.495,"confidence":0.9992859,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.11907581984996796},{"word":"after","start":1230.495,"end":1230.7351,"confidence":0.9987704,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.08755140006542206},{"word":"that","start":1230.7351,"end":1230.895,"confidence":0.88785946,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.09306709468364716},{"word":"once","start":1230.895,"end":1231.135,"confidence":0.9994879,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.10881082713603972},{"word":"you're","start":1231.135,"end":1231.375,"confidence":0.7765218,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.11881047487258913},{"word":"sort","start":1231.375,"end":1231.535,"confidence":0.9960633,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09013918042182922},{"word":"of","start":1231.535,"end":1231.6951,"confidence":0.8894679,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12111062556505205},{"word":"comfortable","start":1231.6951,"end":1232.0951,"confidence":0.99905497,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.0987234264612198},{"word":"with","start":1232.0951,"end":1232.255,"confidence":0.99979407,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10681410133838654},{"word":"your","start":1232.255,"end":1232.3351,"confidence":0.99891996,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.059457793831825256},{"word":"level","start":1232.3351,"end":1232.655,"confidence":0.9999759,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.04155723750591278},{"word":"of","start":1232.655,"end":1232.7351,"confidence":0.99929357,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06706401705741882},{"word":"debt","start":1232.7351,"end":1232.895,"confidence":0.99945897,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.03411829471588135},{"word":"and","start":1232.895,"end":1233.055,"confidence":0.943873,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07842829823493958},{"word":"paying","start":1233.055,"end":1233.295,"confidence":0.9997681,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.10155023634433746},{"word":"down","start":1233.295,"end":1233.535,"confidence":0.99745125,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.10187530517578124},{"word":"your","start":1233.535,"end":1233.6951,"confidence":0.6709636,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10506544262170792},{"word":"your","start":1233.6951,"end":1233.8551,"confidence":0.87329465,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07791972160339355},{"word":"mortgage","start":1233.8551,"end":1234.175,"confidence":0.99955136,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.0024373680353164673},{"word":"would","start":1234.175,"end":1234.3351,"confidence":0.584036,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.14215236902236938},{"word":"be","start":1234.3351,"end":1234.495,"confidence":0.9997782,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.18868976831436157},{"word":"to","start":1234.495,"end":1234.655,"confidence":0.98773426,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1413230001926422},{"word":"sort","start":1234.655,"end":1234.8151,"confidence":0.98671514,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12894508242607117},{"word":"of","start":1234.8151,"end":1234.9751,"confidence":0.99189585,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17147335410118103},{"word":"potentially","start":1234.9751,"end":1235.4751,"confidence":0.98981607,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.12608587741851807},{"word":"look","start":1235.535,"end":1235.775,"confidence":0.9990626,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08450926840305328},{"word":"at","start":1235.775,"end":1236.06,"confidence":0.97509915,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.08514410257339478},{"word":"you","start":1236.06,"end":1236.4601,"confidence":0.99774265,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07307574152946472},{"word":"know","start":1236.4601,"end":1236.9601,"confidence":0.99912465,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.09756296873092651},{"word":"leveraging","start":1237.02,"end":1237.52,"confidence":0.9402166,"punctuated_word":"leveraging","sentiment":"neutral","sentiment_score":0.15529902279376984},{"word":"some","start":1237.9,"end":1238.2201,"confidence":0.99931824,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07937423884868622},{"word":"some","start":1238.2201,"end":1238.38,"confidence":0.98410296,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.06930232793092728},{"word":"debt","start":1238.38,"end":1238.7001,"confidence":0.9976962,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.0328870564699173},{"word":"there","start":1238.7001,"end":1239.02,"confidence":0.9214106,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05864151567220688},{"word":"to","start":1239.02,"end":1239.3401,"confidence":0.994659,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.019139133393764496},{"word":"either","start":1239.3401,"end":1239.5801,"confidence":0.99294394,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.11540035903453828},{"word":"have","start":1239.5801,"end":1239.8201,"confidence":0.91918635,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.10189313441514967},{"word":"like","start":1239.8201,"end":1240.3,"confidence":0.9972962,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10631784796714784},{"word":"an","start":1240.3,"end":1240.4601,"confidence":0.9996092,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.17958009243011477},{"word":"investment","start":1240.4601,"end":1240.9601,"confidence":0.9997744,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.08803467452526093},{"word":"portfolio","start":1241.02,"end":1241.5,"confidence":0.99967504,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.09241313487291336},{"word":"and","start":1241.5,"end":1241.66,"confidence":0.9837917,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10172856599092484},{"word":"or","start":1241.66,"end":1241.9,"confidence":0.87287307,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11917796730995178},{"word":"another","start":1241.9,"end":1242.3,"confidence":0.998517,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.12969110906124115},{"word":"investment","start":1242.3,"end":1242.8,"confidence":0.99791914,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.12646646797657013},{"word":"outside","start":1242.8601,"end":1243.26,"confidence":0.99874735,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.19564436376094815},{"word":"of","start":1243.26,"end":1243.42,"confidence":0.9992859,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.165766641497612},{"word":"superannuation","start":1243.42,"end":1243.92,"confidence":0.9961457,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.23165416717529297},{"word":"to","start":1244.2201,"end":1244.4601,"confidence":0.88326454,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19393658638000488},{"word":"help","start":1244.4601,"end":1244.7001,"confidence":0.905888,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.3089727461338043},{"word":"continue","start":1244.7001,"end":1245.18,"confidence":0.9019674,"punctuated_word":"continue","sentiment":"positive","sentiment_score":0.4415813982486725},{"word":"to","start":1245.18,"end":1245.26,"confidence":0.99856097,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35223424434661865},{"word":"grow","start":1245.26,"end":1245.42,"confidence":0.9997067,"punctuated_word":"grow","sentiment":"positive","sentiment_score":0.4441985785961151},{"word":"your","start":1245.42,"end":1245.5801,"confidence":0.9888924,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.44149553775787354},{"word":"wealth","start":1245.5801,"end":1245.8201,"confidence":0.9876243,"punctuated_word":"wealth","sentiment":"positive","sentiment_score":0.5926113128662109},{"word":"while","start":1245.8201,"end":1246.06,"confidence":0.9851118,"punctuated_word":"while","sentiment":"positive","sentiment_score":0.394799530506134},{"word":"you're","start":1246.06,"end":1246.4601,"confidence":0.8487031,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3514312207698822},{"word":"you're","start":1246.4601,"end":1246.7001,"confidence":0.93015605,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2222258299589157},{"word":"working","start":1246.7001,"end":1247.1001,"confidence":0.99967706,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.2660674452781677},{"word":"sort","start":1247.1001,"end":1247.26,"confidence":0.9552924,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.15342985093593595},{"word":"of","start":1247.26,"end":1247.42,"confidence":0.9637937,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1452740728855133},{"word":"thing","start":1247.42,"end":1247.92,"confidence":0.9119218,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.1541784703731537},{"word":"because","start":1250.1549,"end":1250.475,"confidence":0.6537924,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":0.08911999315023422},{"word":"obviously","start":1250.475,"end":1250.7949,"confidence":0.9996932,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.11030720919370653},{"word":"the","start":1250.7949,"end":1251.115,"confidence":0.9991398,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1927753388881683},{"word":"the","start":1251.115,"end":1251.195,"confidence":0.9580249,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20572184026241305},{"word":"potential","start":1251.195,"end":1251.595,"confidence":0.9962405,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":0.2994411885738373},{"word":"upside","start":1251.595,"end":1251.995,"confidence":0.94093674,"punctuated_word":"upside","sentiment":"neutral","sentiment_score":0.3124423027038574},{"word":"is","start":1251.995,"end":1252.075,"confidence":0.6629695,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2966286838054657},{"word":"a","start":1252.075,"end":1252.1549,"confidence":0.99945766,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3507480025291443},{"word":"lot","start":1252.1549,"end":1252.3949,"confidence":0.9996464,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.32601872086524963},{"word":"higher","start":1252.3949,"end":1252.635,"confidence":0.99838984,"punctuated_word":"higher","sentiment":"positive","sentiment_score":0.4539828896522522},{"word":"with","start":1252.635,"end":1252.955,"confidence":0.9773289,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.21819953620433807},{"word":"like","start":1252.955,"end":1253.2749,"confidence":0.99786395,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.20768779516220093},{"word":"using","start":1253.2749,"end":1253.595,"confidence":0.999534,"punctuated_word":"using","sentiment":"neutral","sentiment_score":0.29234081506729126},{"word":"other","start":1253.595,"end":1253.835,"confidence":0.99977607,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.23946183919906616},{"word":"people's","start":1253.835,"end":1254.235,"confidence":0.9992247,"punctuated_word":"people's","sentiment":"neutral","sentiment_score":0.21739336848258972},{"word":"money","start":1254.235,"end":1254.735,"confidence":0.99989724,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.22387832403182983},{"word":"or","start":1254.875,"end":1255.0349,"confidence":0.89474475,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.17627163231372833},{"word":"the","start":1255.0349,"end":1255.195,"confidence":0.9996593,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2149551510810852},{"word":"bank's","start":1255.195,"end":1255.5149,"confidence":0.90775687,"punctuated_word":"bank's","sentiment":"neutral","sentiment_score":0.22325126826763153},{"word":"money","start":1255.5149,"end":1255.835,"confidence":0.97954994,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.24850846827030185},{"word":"to","start":1255.835,"end":1255.995,"confidence":0.9919517,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2421518117189407},{"word":"be","start":1255.995,"end":1256.1549,"confidence":0.99923193,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.25896039605140686},{"word":"able","start":1256.1549,"end":1256.315,"confidence":0.76066107,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.2608647048473358},{"word":"to","start":1256.315,"end":1256.3949,"confidence":0.99647325,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28239452838897705},{"word":"sort","start":1256.3949,"end":1256.635,"confidence":0.9887834,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.20971918106079104},{"word":"of","start":1256.635,"end":1256.715,"confidence":0.92858833,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30219754576683044},{"word":"get","start":1256.715,"end":1256.875,"confidence":0.9983557,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.23436173796653748},{"word":"a","start":1256.875,"end":1257.0349,"confidence":0.9948015,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2328825294971466},{"word":"return","start":1257.0349,"end":1257.355,"confidence":0.99993885,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.3399568200111389},{"word":"on","start":1257.355,"end":1257.595,"confidence":0.999332,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3052240014076233},{"word":"investment","start":1257.595,"end":1258.095,"confidence":0.9983631,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.141842782497406},{"word":"versus","start":1258.3949,"end":1258.7949,"confidence":0.9403218,"punctuated_word":"versus,","sentiment":"neutral","sentiment_score":0.021222680807113647},{"word":"like","start":1258.7949,"end":1258.955,"confidence":0.9993762,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.05372115224599838},{"word":"the","start":1258.955,"end":1259.115,"confidence":0.99875665,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06066480278968811},{"word":"loan","start":1259.115,"end":1259.2749,"confidence":0.99880934,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.16345515847206116},{"word":"repayments","start":1259.2749,"end":1259.7749,"confidence":0.9447644,"punctuated_word":"repayments.","sentiment":"neutral","sentiment_score":-0.04103127121925354},{"word":"obviously","start":1259.835,"end":1260.0349,"confidence":0.99949276,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.11128079891204834},{"word":"you","start":1260.0349,"end":1260.235,"confidence":0.99201584,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17495326697826383},{"word":"know","start":1260.235,"end":1260.3949,"confidence":0.9598844,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1881076991558075},{"word":"the","start":1260.3949,"end":1260.475,"confidence":0.9990544,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2796739339828491},{"word":"risk","start":1260.475,"end":1260.715,"confidence":0.9985454,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.3904246687889099},{"word":"of","start":1260.715,"end":1260.875,"confidence":0.99824464,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.48521870374679565},{"word":"that","start":1260.875,"end":1260.955,"confidence":0.99865615,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4831588566303253},{"word":"is","start":1260.955,"end":1261.32,"confidence":0.99295926,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3867492079734802},{"word":"if","start":1261.32,"end":1261.3999,"confidence":0.9854556,"punctuated_word":"if,","sentiment":"negative","sentiment_score":-0.4965214729309082},{"word":"like","start":1261.3999,"end":1261.5599,"confidence":0.99960786,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.4288891553878784},{"word":"the","start":1261.5599,"end":1261.72,"confidence":0.98383546,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.48886609077453613},{"word":"markets","start":1261.72,"end":1262.2,"confidence":0.8970198,"punctuated_word":"markets","sentiment":"negative","sentiment_score":-0.4086949825286865},{"word":"were","start":1262.2,"end":1262.36,"confidence":0.96136063,"punctuated_word":"were","sentiment":"negative","sentiment_score":-0.3783486783504486},{"word":"to","start":1262.36,"end":1262.44,"confidence":0.9984597,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4516621232032776},{"word":"go","start":1262.44,"end":1262.6,"confidence":0.999764,"punctuated_word":"go","sentiment":"negative","sentiment_score":-0.46914681792259216},{"word":"down","start":1262.6,"end":1262.84,"confidence":0.95386004,"punctuated_word":"down,","sentiment":"negative","sentiment_score":-0.4083788990974426},{"word":"you're","start":1262.84,"end":1263.08,"confidence":0.9847871,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.4334262013435364},{"word":"still","start":1263.08,"end":1263.24,"confidence":0.999411,"punctuated_word":"still","sentiment":"negative","sentiment_score":-0.4575907289981842},{"word":"liable","start":1263.24,"end":1263.6399,"confidence":0.99993014,"punctuated_word":"liable","sentiment":"negative","sentiment_score":-0.4151279926300049},{"word":"for","start":1263.6399,"end":1263.7999,"confidence":0.9996203,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.3601815700531006},{"word":"that","start":1263.7999,"end":1263.96,"confidence":0.99969673,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.27628833055496216},{"word":"loan","start":1263.96,"end":1264.2,"confidence":0.99957496,"punctuated_word":"loan","sentiment":"negative","sentiment_score":-0.3649195432662964},{"word":"at","start":1264.2,"end":1264.36,"confidence":0.994478,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.3042569160461426},{"word":"the","start":1264.36,"end":1264.44,"confidence":0.99960405,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.26112285256385803},{"word":"rate","start":1264.44,"end":1264.6,"confidence":0.993152,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":-0.15569862723350525},{"word":"you","start":1264.6,"end":1264.84,"confidence":0.9582744,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2251415103673935},{"word":"sort","start":1264.84,"end":1265.0,"confidence":0.9944325,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.2042369246482849},{"word":"of","start":1265.0,"end":1265.08,"confidence":0.92472726,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2348678857088089},{"word":"borrowed","start":1265.08,"end":1265.32,"confidence":0.8526241,"punctuated_word":"borrowed","sentiment":"neutral","sentiment_score":-0.20103055238723755},{"word":"at","start":1265.32,"end":1265.48,"confidence":0.5585266,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.22624333202838895},{"word":"as","start":1265.48,"end":1265.6399,"confidence":0.99883825,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.217173233628273},{"word":"well","start":1265.6399,"end":1266.12,"confidence":0.9923323,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.20673152804374695},{"word":"which","start":1266.12,"end":1266.36,"confidence":0.9994098,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.1776634156703949},{"word":"is","start":1266.36,"end":1266.5199,"confidence":0.9978567,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.234725221991539},{"word":"something","start":1266.5199,"end":1266.84,"confidence":0.98960996,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.2376285046339035},{"word":"to","start":1266.84,"end":1266.9199,"confidence":0.9994199,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2032366544008255},{"word":"be","start":1266.9199,"end":1267.08,"confidence":0.9992644,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.22823043167591095},{"word":"mindful","start":1267.08,"end":1267.3999,"confidence":0.99990976,"punctuated_word":"mindful","sentiment":"neutral","sentiment_score":-0.2390085607767105},{"word":"of","start":1267.3999,"end":1267.8999,"confidence":0.95219815,"punctuated_word":"of.","sentiment":"neutral","sentiment_score":-0.2118302583694458},{"word":"but","start":1268.9199,"end":1269.08,"confidence":0.5303851,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02628951519727707},{"word":"that's","start":1269.08,"end":1269.58,"confidence":0.89752895,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.11050447821617126},{"word":"a","start":1269.6399,"end":1269.7999,"confidence":0.6833391,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.323253870010376},{"word":"few","start":1269.7999,"end":1270.0399,"confidence":0.48839507,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.2635960876941681},{"word":"years","start":1270.0399,"end":1270.2,"confidence":0.42242083,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.30795401334762573},{"word":"down","start":1270.2,"end":1270.44,"confidence":0.9985821,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.29609113931655884},{"word":"the","start":1270.44,"end":1270.6,"confidence":0.9911293,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2777962386608124},{"word":"track","start":1270.6,"end":1270.84,"confidence":0.9994448,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.2600064277648926},{"word":"yet","start":1270.84,"end":1271.08,"confidence":0.953835,"punctuated_word":"yet,","sentiment":"neutral","sentiment_score":0.20152416825294495},{"word":"so","start":1271.08,"end":1271.24,"confidence":0.9998728,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2637394666671753},{"word":"that's","start":1271.24,"end":1271.48,"confidence":0.99968356,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.44282492995262146},{"word":"more","start":1271.48,"end":1271.6399,"confidence":0.99247086,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.42729783058166504},{"word":"than","start":1271.6399,"end":1271.96,"confidence":0.998429,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.4229236841201782},{"word":"fine","start":1271.96,"end":1272.46,"confidence":0.70215976,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.43661046028137207},{"word":"that","start":1272.84,"end":1273.0,"confidence":0.8636843,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.5952951908111572},{"word":"does","start":1273.0,"end":1273.24,"confidence":0.9994753,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.5584471821784973},{"word":"bring","start":1273.24,"end":1273.3999,"confidence":0.99982494,"punctuated_word":"bring","sentiment":"positive","sentiment_score":0.562654435634613},{"word":"you","start":1273.3999,"end":1273.5599,"confidence":0.99818426,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6352168321609497},{"word":"out","start":1273.5599,"end":1273.6399,"confidence":0.9727035,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.600886881351471},{"word":"to","start":1273.6399,"end":1273.7999,"confidence":0.99850285,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6204965710639954},{"word":"a","start":1273.7999,"end":1273.88,"confidence":0.981281,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6260044574737549},{"word":"high","start":1273.88,"end":1274.0399,"confidence":0.98454607,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.570804238319397},{"word":"growth","start":1274.0399,"end":1274.36,"confidence":0.99921703,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.6325568556785583},{"word":"investor","start":1274.36,"end":1274.86,"confidence":0.9601985,"punctuated_word":"investor,","sentiment":"positive","sentiment_score":0.5518350005149841},{"word":"which","start":1275.0,"end":1275.24,"confidence":0.99954826,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6241406202316284},{"word":"is","start":1275.24,"end":1275.705,"confidence":0.9982601,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5928130149841309},{"word":"still","start":1275.705,"end":1275.865,"confidence":0.9965982,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.505768358707428},{"word":"in","start":1275.865,"end":1276.0249,"confidence":0.9906261,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.512662947177887},{"word":"line","start":1276.0249,"end":1276.1849,"confidence":0.9997795,"punctuated_word":"line","sentiment":"positive","sentiment_score":0.5506440997123718},{"word":"with","start":1276.1849,"end":1276.345,"confidence":0.9995159,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5942116975784302},{"word":"what","start":1276.345,"end":1276.505,"confidence":0.9989046,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.5885024666786194},{"word":"they","start":1276.505,"end":1276.6649,"confidence":0.3937948,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.583821177482605},{"word":"currently","start":1276.6649,"end":1276.9049,"confidence":0.9848075,"punctuated_word":"currently","sentiment":"positive","sentiment_score":0.3870753049850464},{"word":"got","start":1276.9049,"end":1277.1449,"confidence":0.99847454,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.46377015113830566},{"word":"you","start":1277.1449,"end":1277.225,"confidence":0.9991352,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4945712685585022},{"word":"in","start":1277.225,"end":1277.345,"confidence":0.9979527,"punctuated_word":"in.","sentiment":"positive","sentiment_score":0.4201074242591858},{"word":"are","start":1277.345,"end":1277.465,"confidence":0.8882656,"punctuated_word":"Are","sentiment":"positive","sentiment_score":0.3925386369228363},{"word":"you","start":1277.465,"end":1277.705,"confidence":0.9994363,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.482984334230423},{"word":"still","start":1277.705,"end":1278.0249,"confidence":0.9991448,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3634277284145355},{"word":"happy","start":1278.0249,"end":1278.345,"confidence":0.99973434,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.42861661314964294},{"word":"being","start":1278.345,"end":1278.505,"confidence":0.9987191,"punctuated_word":"being","sentiment":"positive","sentiment_score":0.5478402972221375},{"word":"in","start":1278.505,"end":1278.6649,"confidence":0.9981183,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.46148261427879333},{"word":"a","start":1278.6649,"end":1278.745,"confidence":0.9963174,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4718783795833587},{"word":"high","start":1278.745,"end":1278.9049,"confidence":0.995545,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.4342830777168274},{"word":"growth","start":1278.9049,"end":1279.225,"confidence":0.99652183,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.4935252070426941},{"word":"portfolio","start":1279.225,"end":1279.725,"confidence":0.99889517,"punctuated_word":"portfolio?","sentiment":"positive","sentiment_score":0.3850204348564148},{"word":"yep","start":1284.265,"end":1284.585,"confidence":0.9867473,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2981876730918884},{"word":"obviously","start":1284.585,"end":1284.985,"confidence":0.9951373,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.25636163353919983},{"word":"you've","start":1284.985,"end":1285.225,"confidence":0.99949217,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.30140823125839233},{"word":"got","start":1285.225,"end":1285.465,"confidence":0.99988556,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.20634761452674863},{"word":"the","start":1285.465,"end":1285.7849,"confidence":0.9957189,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20950469374656677},{"word":"the","start":1285.7849,"end":1285.945,"confidence":0.96231943,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17759859561920166},{"word":"time","start":1285.945,"end":1286.1849,"confidence":0.999635,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1394728273153305},{"word":"horizon","start":1286.1849,"end":1286.6649,"confidence":0.99989533,"punctuated_word":"horizon","sentiment":"neutral","sentiment_score":0.16785737872123718},{"word":"there","start":1286.6649,"end":1286.985,"confidence":0.99954814,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.29223769903182983},{"word":"as","start":1286.985,"end":1287.1449,"confidence":0.9992373,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24158775806427},{"word":"well","start":1287.1449,"end":1287.465,"confidence":0.99986196,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.25436314940452576},{"word":"to","start":1287.465,"end":1287.7849,"confidence":0.9588109,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24735119938850403},{"word":"be","start":1287.7849,"end":1287.945,"confidence":0.9992268,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2643386721611023},{"word":"able","start":1287.945,"end":1288.265,"confidence":0.999877,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.33746448159217834},{"word":"to","start":1288.265,"end":1288.765,"confidence":0.9993661,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34174463152885437},{"word":"weather","start":1289.37,"end":1289.61,"confidence":0.9183948,"punctuated_word":"weather","sentiment":"neutral","sentiment_score":0.2794094681739807},{"word":"those","start":1289.61,"end":1289.77,"confidence":0.9995491,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.24308772385120392},{"word":"dips","start":1289.77,"end":1290.01,"confidence":0.9864412,"punctuated_word":"dips","sentiment":"neutral","sentiment_score":0.10900334268808363},{"word":"in","start":1290.01,"end":1290.17,"confidence":0.99942005,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15109936892986298},{"word":"the","start":1290.17,"end":1290.25,"confidence":0.9995363,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1721048504114151},{"word":"market","start":1290.25,"end":1290.5701,"confidence":0.9999211,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.08117315173149109},{"word":"a","start":1290.5701,"end":1290.65,"confidence":0.9997929,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26051485538482666},{"word":"little","start":1290.65,"end":1290.81,"confidence":0.9999763,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.15144598484039307},{"word":"bit","start":1290.81,"end":1291.05,"confidence":0.99991393,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.23443710803985596},{"word":"as","start":1291.05,"end":1291.21,"confidence":0.99982697,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.26375848054885864},{"word":"well","start":1291.21,"end":1291.71,"confidence":0.9991832,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1849014312028885},{"word":"now","start":1292.09,"end":1292.49,"confidence":0.9816095,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.11353400349617004},{"word":"in","start":1292.49,"end":1292.73,"confidence":0.9611911,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07333354651927948},{"word":"terms","start":1292.73,"end":1293.05,"confidence":0.9999628,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.06950167566537857},{"word":"of","start":1293.05,"end":1293.21,"confidence":0.99987507,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11715587973594666},{"word":"the","start":1293.21,"end":1293.37,"confidence":0.99982244,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08767469227313995},{"word":"other","start":1293.37,"end":1293.6901,"confidence":0.99992335,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.10607169568538666},{"word":"documents","start":1293.6901,"end":1294.09,"confidence":0.9990619,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.08194693922996521},{"word":"we're","start":1294.09,"end":1294.25,"confidence":0.91900194,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.10577621310949326},{"word":"gonna","start":1294.25,"end":1294.49,"confidence":0.88842785,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1274811327457428},{"word":"provide","start":1294.49,"end":1294.89,"confidence":0.99571407,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.08588748425245285},{"word":"you","start":1294.89,"end":1295.05,"confidence":0.9967949,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09908010810613632},{"word":"there","start":1295.05,"end":1295.29,"confidence":0.865917,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.09771455824375153},{"word":"so","start":1295.29,"end":1295.4501,"confidence":0.9984597,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08649453520774841},{"word":"i","start":1295.4501,"end":1295.53,"confidence":0.9985306,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0920790359377861},{"word":"know","start":1295.53,"end":1295.6901,"confidence":0.9998646,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.10138831287622452},{"word":"you","start":1295.6901,"end":1295.85,"confidence":0.9996476,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10284805297851562},{"word":"completed","start":1295.85,"end":1296.25,"confidence":0.99254954,"punctuated_word":"completed","sentiment":"neutral","sentiment_score":0.12505881488323212},{"word":"that","start":1296.25,"end":1296.41,"confidence":0.9709664,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13129758834838867},{"word":"ongoing","start":1296.41,"end":1296.81,"confidence":0.99945647,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.10935503244400024},{"word":"service","start":1296.81,"end":1297.29,"confidence":0.9995679,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.1051073521375656},{"word":"agreement","start":1297.29,"end":1297.79,"confidence":0.99987006,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.11520421504974364},{"word":"already","start":1298.17,"end":1298.67,"confidence":0.8156111,"punctuated_word":"already,","sentiment":"neutral","sentiment_score":0.11240241676568984},{"word":"but","start":1298.97,"end":1299.21,"confidence":0.83096415,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0806187093257904},{"word":"i'll","start":1299.21,"end":1299.37,"confidence":0.999449,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07364045083522797},{"word":"send","start":1299.37,"end":1299.61,"confidence":0.99820423,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.06572988629341125},{"word":"out","start":1299.61,"end":1299.85,"confidence":0.83641654,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0687490850687027},{"word":"a","start":1299.85,"end":1299.93,"confidence":0.86934906,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05598592758178711},{"word":"notice","start":1299.93,"end":1300.41,"confidence":0.5525049,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.06363777816295624},{"word":"on","start":1300.41,"end":1300.5701,"confidence":0.9495083,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06339509040117264},{"word":"there","start":1300.5701,"end":1300.905,"confidence":0.6022364,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.08014838397502899},{"word":"some","start":1300.985,"end":1301.0651,"confidence":0.37009552,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":0.06625133007764816},{"word":"of","start":1301.0651,"end":1301.305,"confidence":0.40112406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.062111783772706985},{"word":"this","start":1301.305,"end":1301.4651,"confidence":0.8811389,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04960229992866516},{"word":"contain","start":1301.4651,"end":1301.9651,"confidence":0.89222276,"punctuated_word":"contain","sentiment":"neutral","sentiment_score":0.04450021684169769},{"word":"a","start":1302.185,"end":1302.345,"confidence":0.9930957,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06853047013282776},{"word":"tax","start":1302.345,"end":1302.5851,"confidence":0.9966067,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.09934863448143004},{"word":"file","start":1302.5851,"end":1302.905,"confidence":0.96945256,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.05470194295048714},{"word":"opt","start":1302.905,"end":1303.225,"confidence":0.867208,"punctuated_word":"opt","sentiment":"neutral","sentiment_score":0.07327031344175339},{"word":"in","start":1303.225,"end":1303.385,"confidence":0.97668785,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06306742131710052},{"word":"form","start":1303.385,"end":1303.545,"confidence":0.9017346,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.08413881063461304},{"word":"as","start":1303.545,"end":1303.7051,"confidence":0.8239838,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.092108353972435},{"word":"a","start":1303.7051,"end":1303.785,"confidence":0.6634995,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07569123804569244},{"word":"signable","start":1303.785,"end":1304.185,"confidence":0.9832432,"punctuated_word":"signable","sentiment":"neutral","sentiment_score":0.07285268604755402},{"word":"docket","start":1304.185,"end":1304.685,"confidence":0.9590483,"punctuated_word":"docket.","sentiment":"neutral","sentiment_score":0.07653279602527618},{"word":"that's","start":1304.745,"end":1304.985,"confidence":0.83171904,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.08482229709625244},{"word":"just","start":1304.985,"end":1305.385,"confidence":0.9993523,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0931258499622345},{"word":"the","start":1305.385,"end":1305.4651,"confidence":0.5245307,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08975458145141602},{"word":"they've","start":1305.545,"end":1305.785,"confidence":0.9985075,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":0.11697262525558472},{"word":"updated","start":1305.785,"end":1306.105,"confidence":0.9989982,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.12526653707027435},{"word":"the","start":1306.105,"end":1306.185,"confidence":0.7860631,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10470856726169586},{"word":"form","start":1306.185,"end":1306.425,"confidence":0.98728055,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.08581332862377167},{"word":"on","start":1306.425,"end":1306.505,"confidence":0.8973189,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10683421790599824},{"word":"where","start":1306.505,"end":1306.745,"confidence":0.9944659,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.10501296073198318},{"word":"we","start":1306.745,"end":1306.8251,"confidence":0.997969,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1032952070236206},{"word":"store","start":1306.8251,"end":1307.0651,"confidence":0.966749,"punctuated_word":"store","sentiment":"neutral","sentiment_score":0.10782712697982788},{"word":"your","start":1307.0651,"end":1307.305,"confidence":0.97699296,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12279525399208067},{"word":"tax","start":1307.305,"end":1307.545,"confidence":0.9957903,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.12379340827465056},{"word":"file","start":1307.545,"end":1307.785,"confidence":0.9752702,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.09506014734506608},{"word":"number","start":1307.785,"end":1308.285,"confidence":0.99929845,"punctuated_word":"number.","sentiment":"neutral","sentiment_score":0.10729169845581056},{"word":"it'll","start":1308.425,"end":1308.8251,"confidence":0.99027985,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.12520894408226013},{"word":"also","start":1308.8251,"end":1309.3251,"confidence":0.999741,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10505034774541856},{"word":"have","start":1309.385,"end":1309.885,"confidence":0.9994241,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13266749680042267},{"word":"your","start":1309.9451,"end":1310.185,"confidence":0.79355913,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13486650586128235},{"word":"your","start":1310.185,"end":1310.345,"confidence":0.9648393,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1387024074792862},{"word":"vanguard","start":1310.345,"end":1310.745,"confidence":0.96046793,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.09894364327192308},{"word":"index","start":1310.745,"end":1311.0651,"confidence":0.946964,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.07620905339717865},{"word":"chart","start":1311.0651,"end":1311.305,"confidence":0.9564686,"punctuated_word":"chart","sentiment":"neutral","sentiment_score":0.10668902099132538},{"word":"shows","start":1311.305,"end":1311.545,"confidence":0.86750126,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.10068132728338242},{"word":"the","start":1311.545,"end":1311.625,"confidence":0.5564667,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08851829916238785},{"word":"sort","start":1311.625,"end":1311.865,"confidence":0.9912384,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.11915498971939088},{"word":"of","start":1311.865,"end":1311.9451,"confidence":0.98313206,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1358073651790619},{"word":"market","start":1311.9451,"end":1312.265,"confidence":0.84516436,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.1328015774488449},{"word":"that","start":1312.265,"end":1312.425,"confidence":0.23566324,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1415441334247589},{"word":"we're","start":1312.425,"end":1312.505,"confidence":0.6429254,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.14362168312072754},{"word":"at","start":1312.505,"end":1312.665,"confidence":0.8812417,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1026684120297432},{"word":"thirty","start":1312.665,"end":1312.985,"confidence":0.88738644,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.13633164763450625},{"word":"year","start":1312.985,"end":1313.0651,"confidence":0.5378247,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.14782416820526123},{"word":"period","start":1313.0651,"end":1313.52,"confidence":0.76749146,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.20650151371955872},{"word":"your","start":1313.92,"end":1314.0801,"confidence":0.63472253,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19080884754657745},{"word":"dividend","start":1314.0801,"end":1314.48,"confidence":0.058559485,"punctuated_word":"dividend","sentiment":"neutral","sentiment_score":0.18730151653289795},{"word":"currency","start":1314.48,"end":1314.8,"confidence":0.6746277,"punctuated_word":"currency","sentiment":"neutral","sentiment_score":0.15367689728736875},{"word":"for","start":1314.8,"end":1314.96,"confidence":0.72255933,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1680091917514801},{"word":"your","start":1314.96,"end":1315.12,"confidence":0.8162954,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14581236243247986},{"word":"insurances","start":1315.12,"end":1315.62,"confidence":0.9039712,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.1645503044128418},{"word":"also","start":1316.0,"end":1316.5,"confidence":0.97502816,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.15051889419555664},{"word":"your","start":1316.64,"end":1317.12,"confidence":0.8797964,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15782999992370603},{"word":"twelve","start":1317.12,"end":1317.4401,"confidence":0.9993753,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.13589106500148773},{"word":"month","start":1317.4401,"end":1317.68,"confidence":0.9819719,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.13235752284526825},{"word":"performance","start":1317.68,"end":1318.18,"confidence":0.994402,"punctuated_word":"performance.","sentiment":"neutral","sentiment_score":0.10140878707170486},{"word":"now","start":1318.24,"end":1318.74,"confidence":0.99921715,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.031350817531347275},{"word":"in","start":1319.12,"end":1319.28,"confidence":0.88459957,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.16954848170280457},{"word":"regards","start":1319.28,"end":1319.6,"confidence":0.9915394,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.12815512716770172},{"word":"to","start":1319.6,"end":1319.68,"confidence":0.9908935,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1626986563205719},{"word":"that","start":1319.68,"end":1319.84,"confidence":0.9837153,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.17374995350837708},{"word":"as","start":1319.84,"end":1320.0,"confidence":0.9995914,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.17275768518447876},{"word":"i","start":1320.0,"end":1320.0801,"confidence":0.9989924,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16321372985839844},{"word":"said","start":1320.0801,"end":1320.3201,"confidence":0.81326914,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.12083131074905396},{"word":"with","start":1320.3201,"end":1320.48,"confidence":0.99928313,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.20497676730155945},{"word":"everything","start":1320.48,"end":1320.8,"confidence":0.99967015,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.2208009362220764},{"word":"that","start":1320.8,"end":1321.04,"confidence":0.9993005,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.19745105504989624},{"word":"did","start":1321.04,"end":1321.2001,"confidence":0.99923253,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.14402872323989868},{"word":"occur","start":1321.2001,"end":1321.7001,"confidence":0.9963181,"punctuated_word":"occur,","sentiment":"neutral","sentiment_score":-0.19293469190597537},{"word":"it","start":1321.84,"end":1322.0801,"confidence":0.9985801,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.378555566072464},{"word":"has","start":1322.0801,"end":1322.48,"confidence":0.9995615,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.4981171488761902},{"word":"not","start":1322.48,"end":1322.72,"confidence":0.9994547,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4828979969024658},{"word":"had","start":1322.72,"end":1322.88,"confidence":0.9991999,"punctuated_word":"had","sentiment":"negative","sentiment_score":-0.3685988187789917},{"word":"a","start":1322.88,"end":1322.96,"confidence":0.99949765,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.41777825355529785},{"word":"great","start":1322.96,"end":1323.2001,"confidence":0.9997502,"punctuated_word":"great","sentiment":"neutral","sentiment_score":-0.1935485601425171},{"word":"year","start":1323.2001,"end":1323.4401,"confidence":0.9842887,"punctuated_word":"year.","sentiment":"negative","sentiment_score":-0.3949680924415589},{"word":"it","start":1323.4401,"end":1323.52,"confidence":0.97087586,"punctuated_word":"It","sentiment":"negative","sentiment_score":-0.4147504568099976},{"word":"only","start":1323.52,"end":1323.76,"confidence":0.99841845,"punctuated_word":"only","sentiment":"negative","sentiment_score":-0.4545656442642212},{"word":"did","start":1323.76,"end":1323.92,"confidence":0.9256281,"punctuated_word":"did,","sentiment":"negative","sentiment_score":-0.35477215051651},{"word":"like","start":1323.92,"end":1324.16,"confidence":0.997743,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.330430805683136},{"word":"point","start":1324.16,"end":1324.4,"confidence":0.99448556,"punctuated_word":"point","sentiment":"negative","sentiment_score":-0.3461523652076721},{"word":"47%","start":1324.4,"end":1325.4401,"confidence":0.98724794,"punctuated_word":"47%","sentiment":"neutral","sentiment_score":-0.293582022190094},{"word":"after","start":1325.4401,"end":1325.84,"confidence":0.9935787,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.3064010739326477},{"word":"fees","start":1325.84,"end":1326.24,"confidence":0.933349,"punctuated_word":"fees,","sentiment":"negative","sentiment_score":-0.3335978388786316},{"word":"and","start":1326.24,"end":1326.4,"confidence":0.99979454,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.33031293749809265},{"word":"that's","start":1326.4,"end":1326.72,"confidence":0.99992275,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.40078991651535034},{"word":"largely","start":1326.72,"end":1327.22,"confidence":0.9996699,"punctuated_word":"largely","sentiment":"negative","sentiment_score":-0.42079636454582214},{"word":"due","start":1327.28,"end":1327.78,"confidence":0.9992155,"punctuated_word":"due","sentiment":"negative","sentiment_score":-0.3913605809211731},{"word":"to","start":1327.995,"end":1328.235,"confidence":0.99988174,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3957020044326782},{"word":"the","start":1328.235,"end":1328.395,"confidence":0.9997631,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5166088342666626},{"word":"tech","start":1328.395,"end":1328.635,"confidence":0.99371076,"punctuated_word":"tech","sentiment":"negative","sentiment_score":-0.3821212351322174},{"word":"sector","start":1328.635,"end":1329.035,"confidence":0.9997936,"punctuated_word":"sector","sentiment":"negative","sentiment_score":-0.4053219258785248},{"word":"taking","start":1329.035,"end":1329.355,"confidence":0.9988356,"punctuated_word":"taking","sentiment":"negative","sentiment_score":-0.489904910326004},{"word":"a","start":1329.355,"end":1329.4349,"confidence":0.9997037,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.44962215423583984},{"word":"bit","start":1329.4349,"end":1329.595,"confidence":0.99991703,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.40841299295425415},{"word":"of","start":1329.595,"end":1329.755,"confidence":0.9998691,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.45520639419555664},{"word":"a","start":1329.755,"end":1329.835,"confidence":0.99887425,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5112239122390747},{"word":"dive","start":1329.835,"end":1330.315,"confidence":0.74661267,"punctuated_word":"dive.","sentiment":"negative","sentiment_score":-0.458138644695282},{"word":"the","start":1330.315,"end":1330.815,"confidence":0.99827886,"punctuated_word":"The","sentiment":"negative","sentiment_score":-0.3431633710861206},{"word":"the","start":1331.115,"end":1331.355,"confidence":0.967442,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3407990336418152},{"word":"market","start":1331.355,"end":1331.755,"confidence":0.9800929,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.3688356280326843},{"word":"sort","start":1331.755,"end":1331.995,"confidence":0.744557,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.3553321659564972},{"word":"of","start":1331.995,"end":1332.075,"confidence":0.9645068,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3877747654914856},{"word":"dipping","start":1332.075,"end":1332.395,"confidence":0.99042624,"punctuated_word":"dipping","sentiment":"negative","sentiment_score":-0.39973145723342896},{"word":"with","start":1332.395,"end":1332.795,"confidence":0.99980134,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.43665504455566406},{"word":"the","start":1332.795,"end":1332.955,"confidence":0.99670225,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.34700265526771545},{"word":"announcement","start":1332.955,"end":1333.4349,"confidence":0.99922705,"punctuated_word":"announcement","sentiment":"negative","sentiment_score":-0.3728456199169159},{"word":"of","start":1333.4349,"end":1333.595,"confidence":0.9998056,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3788362443447113},{"word":"those","start":1333.595,"end":1333.835,"confidence":0.99830925,"punctuated_word":"those","sentiment":"negative","sentiment_score":-0.3400329351425171},{"word":"wars","start":1333.835,"end":1334.155,"confidence":0.5547153,"punctuated_word":"wars","sentiment":"neutral","sentiment_score":-0.2908036708831787},{"word":"and","start":1334.155,"end":1334.395,"confidence":0.40202764,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.22847820818424225},{"word":"then","start":1334.395,"end":1334.555,"confidence":0.998408,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.08392482250928879},{"word":"also","start":1334.555,"end":1335.055,"confidence":0.86848366,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.12573754787445068},{"word":"a","start":1335.4349,"end":1335.5149,"confidence":0.5004796,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.119119793176651},{"word":"your","start":1335.595,"end":1335.755,"confidence":0.8862529,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1156749576330185},{"word":"underlying","start":1335.755,"end":1336.235,"confidence":0.9976203,"punctuated_word":"underlying","sentiment":"neutral","sentiment_score":-0.03949346765875816},{"word":"investment","start":1336.235,"end":1336.715,"confidence":0.96760905,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":-0.03748702630400658},{"word":"the","start":1336.715,"end":1336.875,"confidence":0.9997416,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.035862214863300323},{"word":"active","start":1336.875,"end":1337.195,"confidence":0.99840635,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.05435342341661453},{"word":"portion","start":1337.195,"end":1337.675,"confidence":0.7493532,"punctuated_word":"portion,","sentiment":"neutral","sentiment_score":0.0019216388463974},{"word":"benelon","start":1337.675,"end":1338.175,"confidence":0.7738911,"punctuated_word":"Benelon.","sentiment":"neutral","sentiment_score":-0.07994498312473297},{"word":"they","start":1339.035,"end":1339.275,"confidence":0.5762773,"punctuated_word":"They","sentiment":"negative","sentiment_score":-0.41660210490226746},{"word":"had","start":1339.275,"end":1339.4349,"confidence":0.9991824,"punctuated_word":"had","sentiment":"negative","sentiment_score":-0.36662131547927856},{"word":"an","start":1339.4349,"end":1339.675,"confidence":0.9988164,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.4086216688156128},{"word":"underlying","start":1339.675,"end":1340.175,"confidence":0.99945563,"punctuated_word":"underlying","sentiment":"negative","sentiment_score":-0.43018639087677},{"word":"asset","start":1340.235,"end":1340.635,"confidence":0.99988806,"punctuated_word":"asset","sentiment":"negative","sentiment_score":-0.4565957188606262},{"word":"that","start":1340.635,"end":1341.06,"confidence":0.9997693,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4299325048923493},{"word":"was","start":1341.06,"end":1341.3,"confidence":0.999966,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.4283181130886078},{"word":"done","start":1341.3,"end":1341.54,"confidence":0.9998925,"punctuated_word":"done","sentiment":"negative","sentiment_score":-0.47028377652168274},{"word":"for","start":1341.54,"end":1341.7001,"confidence":0.99952734,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.4808064103126526},{"word":"not","start":1341.7001,"end":1342.02,"confidence":0.99956137,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.536969780921936},{"word":"reporting","start":1342.02,"end":1342.42,"confidence":0.9995741,"punctuated_word":"reporting","sentiment":"negative","sentiment_score":-0.5087985992431641},{"word":"correctly","start":1342.42,"end":1342.92,"confidence":0.9507834,"punctuated_word":"correctly,","sentiment":"negative","sentiment_score":-0.4750751554965973},{"word":"which","start":1342.9801,"end":1343.2201,"confidence":0.9998958,"punctuated_word":"which","sentiment":"negative","sentiment_score":-0.42197784781455994},{"word":"caused","start":1343.2201,"end":1343.54,"confidence":0.99727875,"punctuated_word":"caused","sentiment":"negative","sentiment_score":-0.45940130949020386},{"word":"them","start":1343.54,"end":1343.7001,"confidence":0.99636286,"punctuated_word":"them","sentiment":"negative","sentiment_score":-0.5946846008300781},{"word":"to","start":1343.7001,"end":1343.78,"confidence":0.9971322,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5328326225280762},{"word":"have","start":1343.78,"end":1343.9401,"confidence":0.99753296,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.6091788411140442},{"word":"to","start":1343.9401,"end":1344.02,"confidence":0.9932481,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.6272616982460022},{"word":"reevaluate","start":1344.02,"end":1344.52,"confidence":0.9975722,"punctuated_word":"reevaluate","sentiment":"negative","sentiment_score":-0.5539270639419556},{"word":"that","start":1344.66,"end":1344.9,"confidence":0.99883825,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5453355312347412},{"word":"stock","start":1344.9,"end":1345.06,"confidence":0.9807108,"punctuated_word":"stock","sentiment":"negative","sentiment_score":-0.5058346390724182},{"word":"and","start":1345.06,"end":1345.2201,"confidence":0.7893472,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3503210246562958},{"word":"the","start":1345.2201,"end":1345.38,"confidence":0.99758136,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5372593402862549},{"word":"fund","start":1345.38,"end":1345.6201,"confidence":0.99830365,"punctuated_word":"fund","sentiment":"negative","sentiment_score":-0.5630733370780945},{"word":"itself","start":1345.6201,"end":1346.1201,"confidence":0.99981993,"punctuated_word":"itself","sentiment":"negative","sentiment_score":-0.520132839679718},{"word":"to","start":1346.18,"end":1346.5,"confidence":0.7331677,"punctuated_word":"to,","sentiment":"negative","sentiment_score":-0.4297135472297669},{"word":"like","start":1346.5,"end":1346.8201,"confidence":0.8702276,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.4120984673500061},{"word":"basically","start":1346.8201,"end":1347.3201,"confidence":0.8310417,"punctuated_word":"basically,","sentiment":"negative","sentiment_score":-0.3614891767501831},{"word":"they've","start":1348.5801,"end":1349.06,"confidence":0.9869656,"punctuated_word":"they've","sentiment":"negative","sentiment_score":-0.6153066158294678},{"word":"lost","start":1349.06,"end":1349.56,"confidence":0.999783,"punctuated_word":"lost","sentiment":"negative","sentiment_score":-0.6260996460914612},{"word":"a","start":1349.6201,"end":1349.78,"confidence":0.98978734,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.656240701675415},{"word":"a","start":1349.78,"end":1349.8601,"confidence":0.7409746,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.6104463338851929},{"word":"bit","start":1349.8601,"end":1350.18,"confidence":0.9838674,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.5255892276763916},{"word":"of","start":1350.18,"end":1350.3401,"confidence":0.9993893,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.6508208513259888},{"word":"funds","start":1350.3401,"end":1350.5801,"confidence":0.9990005,"punctuated_word":"funds","sentiment":"negative","sentiment_score":-0.6919357776641846},{"word":"under","start":1350.5801,"end":1350.8201,"confidence":0.98362285,"punctuated_word":"under","sentiment":"negative","sentiment_score":-0.4601319134235382},{"word":"management","start":1350.8201,"end":1351.3,"confidence":0.9993585,"punctuated_word":"management","sentiment":"negative","sentiment_score":-0.5704989433288574},{"word":"due","start":1351.3,"end":1351.54,"confidence":0.99965096,"punctuated_word":"due","sentiment":"negative","sentiment_score":-0.5518642663955688},{"word":"to","start":1351.54,"end":1351.7001,"confidence":0.9994677,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.49621227383613586},{"word":"that","start":1351.7001,"end":1351.8601,"confidence":0.9968451,"punctuated_word":"that.","sentiment":"negative","sentiment_score":-0.4240266084671021},{"word":"now","start":1351.8601,"end":1352.3601,"confidence":0.9986092,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.26229092478752136},{"word":"because","start":1353.06,"end":1353.54,"confidence":0.9267418,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.3266819715499878},{"word":"of","start":1353.54,"end":1353.855,"confidence":0.99963355,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.33575958013534546},{"word":"that","start":1354.095,"end":1354.335,"confidence":0.99940026,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3320595920085907},{"word":"dip","start":1354.335,"end":1354.655,"confidence":0.99500436,"punctuated_word":"dip","sentiment":"negative","sentiment_score":-0.3531748652458191},{"word":"and","start":1354.655,"end":1354.815,"confidence":0.9422163,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3920081555843353},{"word":"then","start":1354.815,"end":1355.0549,"confidence":0.9948985,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.23353274166584015},{"word":"the","start":1355.0549,"end":1355.135,"confidence":0.99923253,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.33828720450401306},{"word":"fact","start":1355.135,"end":1355.375,"confidence":0.99989104,"punctuated_word":"fact","sentiment":"negative","sentiment_score":-0.3689788281917572},{"word":"that","start":1355.375,"end":1355.535,"confidence":0.9998142,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3605809211730957},{"word":"everything","start":1355.535,"end":1355.9349,"confidence":0.99969316,"punctuated_word":"everything","sentiment":"negative","sentiment_score":-0.4395749568939209},{"word":"has","start":1355.9349,"end":1356.255,"confidence":0.99966955,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.37802618741989136},{"word":"occurred","start":1356.255,"end":1356.575,"confidence":0.9960517,"punctuated_word":"occurred","sentiment":"negative","sentiment_score":-0.3828110992908478},{"word":"there","start":1356.575,"end":1357.075,"confidence":0.7733374,"punctuated_word":"there,","sentiment":"negative","sentiment_score":-0.3432804048061371},{"word":"as","start":1357.2949,"end":1357.455,"confidence":0.9897301,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.4105973541736603},{"word":"a","start":1357.455,"end":1357.695,"confidence":0.99679285,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.36689162254333496},{"word":"business","start":1357.695,"end":1358.015,"confidence":0.88798547,"punctuated_word":"business,","sentiment":"negative","sentiment_score":-0.3379265367984772},{"word":"they","start":1358.015,"end":1358.1749,"confidence":0.94491047,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.38110706210136414},{"word":"made","start":1358.1749,"end":1358.335,"confidence":0.9590271,"punctuated_word":"made","sentiment":"negative","sentiment_score":-0.4522928595542908},{"word":"a","start":1358.335,"end":1358.415,"confidence":0.46433452,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4182872176170349},{"word":"decision","start":1358.415,"end":1358.815,"confidence":0.9999504,"punctuated_word":"decision","sentiment":"negative","sentiment_score":-0.39436787366867065},{"word":"to","start":1358.815,"end":1358.895,"confidence":0.99901426,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3668839931488037},{"word":"move","start":1358.895,"end":1359.135,"confidence":0.99993086,"punctuated_word":"move","sentiment":"negative","sentiment_score":-0.4349619448184967},{"word":"away","start":1359.135,"end":1359.535,"confidence":0.9999002,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.2976961135864258},{"word":"from","start":1359.535,"end":1359.855,"confidence":0.99980587,"punctuated_word":"from","sentiment":"negative","sentiment_score":-0.37984031438827515},{"word":"the","start":1359.855,"end":1360.015,"confidence":0.99651104,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3769768476486206},{"word":"bennelong","start":1360.015,"end":1360.515,"confidence":0.7358348,"punctuated_word":"Bennelong,","sentiment":"negative","sentiment_score":-0.3525158762931824},{"word":"equities","start":1360.895,"end":1361.375,"confidence":0.92151713,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":-0.30466774106025696},{"word":"managed","start":1361.375,"end":1361.775,"confidence":0.95406437,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":-0.26787447929382324},{"word":"fund","start":1361.775,"end":1362.275,"confidence":0.99588436,"punctuated_word":"fund","sentiment":"negative","sentiment_score":-0.34160447120666504},{"word":"and","start":1362.415,"end":1362.655,"confidence":0.95121217,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.26809948682785034},{"word":"look","start":1362.655,"end":1362.815,"confidence":0.9989506,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.25657138228416443},{"word":"at","start":1362.815,"end":1363.0549,"confidence":0.9995197,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.23180492222309113},{"word":"updating","start":1363.0549,"end":1363.5549,"confidence":0.9996511,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":-0.13703690469264984},{"word":"those","start":1363.9349,"end":1364.255,"confidence":0.99962246,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.24420011043548584},{"word":"portfolios","start":1364.255,"end":1364.755,"confidence":0.9907613,"punctuated_word":"portfolios.","sentiment":"neutral","sentiment_score":-0.18025276064872744},{"word":"now","start":1365.215,"end":1365.715,"confidence":0.9975921,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.05040900409221649},{"word":"given","start":1366.42,"end":1366.5801,"confidence":0.984806,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.06688596308231354},{"word":"your","start":1366.5801,"end":1366.8201,"confidence":0.9917291,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07458794116973877},{"word":"time","start":1366.8201,"end":1367.06,"confidence":0.9999161,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.15410807728767395},{"word":"on","start":1367.06,"end":1367.14,"confidence":0.61088896,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15346714854240415},{"word":"board","start":1367.14,"end":1367.38,"confidence":0.9934007,"punctuated_word":"board,","sentiment":"neutral","sentiment_score":0.14286859333515167},{"word":"it's","start":1367.38,"end":1367.62,"confidence":0.99882865,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1076394021511078},{"word":"probably","start":1367.62,"end":1367.9401,"confidence":0.9997763,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.06685969233512878},{"word":"better","start":1367.9401,"end":1368.26,"confidence":0.9996754,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.042864859104156494},{"word":"to","start":1368.26,"end":1368.34,"confidence":0.9994211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10641969740390778},{"word":"have","start":1368.34,"end":1368.5801,"confidence":0.9312357,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.08560381829738617},{"word":"like","start":1368.5801,"end":1368.66,"confidence":0.9988915,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05887550115585327},{"word":"a","start":1368.66,"end":1368.8201,"confidence":0.99990296,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14376027882099152},{"word":"bit","start":1368.8201,"end":1368.9,"confidence":0.99990845,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09359101206064224},{"word":"of","start":1368.9,"end":1369.06,"confidence":0.9999298,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08423231542110443},{"word":"a","start":1369.06,"end":1369.3,"confidence":0.9993087,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08856994658708572},{"word":"refresh","start":1369.3,"end":1369.8,"confidence":0.9966287,"punctuated_word":"refresh","sentiment":"neutral","sentiment_score":0.10640665143728256},{"word":"totally","start":1369.9401,"end":1370.42,"confidence":0.8886945,"punctuated_word":"totally","sentiment":"neutral","sentiment_score":0.11121481657028198},{"word":"of","start":1370.42,"end":1370.66,"confidence":0.99778205,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.031959474086761475},{"word":"your","start":1370.66,"end":1371.06,"confidence":0.9997608,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09895804524421692},{"word":"portfolio","start":1371.06,"end":1371.56,"confidence":0.999777,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.02452951669692993},{"word":"because","start":1371.62,"end":1371.9401,"confidence":0.85390073,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06118117272853851},{"word":"it","start":1371.9401,"end":1372.02,"confidence":0.9998067,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0020160824060440063},{"word":"is","start":1372.02,"end":1372.18,"confidence":0.9997999,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03510992228984833},{"word":"a","start":1372.18,"end":1372.26,"confidence":0.9997477,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03784424066543579},{"word":"little","start":1372.26,"end":1372.42,"confidence":0.9999205,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.006853923201560974},{"word":"bit","start":1372.42,"end":1372.5801,"confidence":0.9992047,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.03759048879146576},{"word":"tech","start":1372.5801,"end":1372.8201,"confidence":0.9988374,"punctuated_word":"tech","sentiment":"neutral","sentiment_score":-0.1411462277173996},{"word":"heavy","start":1372.8201,"end":1372.98,"confidence":0.97935116,"punctuated_word":"heavy,","sentiment":"neutral","sentiment_score":-0.043567199259996414},{"word":"which","start":1372.98,"end":1373.22,"confidence":0.9998827,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.062956303358078},{"word":"i'm","start":1373.22,"end":1373.3,"confidence":0.9982271,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05239423364400864},{"word":"a","start":1373.3,"end":1373.38,"confidence":0.95117843,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04231373220682144},{"word":"bit","start":1373.38,"end":1373.54,"confidence":0.9980848,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.03367052227258682},{"word":"concerned","start":1373.54,"end":1373.86,"confidence":0.9986418,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":-0.1075717955827713},{"word":"about","start":1373.86,"end":1374.1,"confidence":0.99976677,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.08349200338125229},{"word":"there","start":1374.1,"end":1374.26,"confidence":0.9974769,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.12952609360218048},{"word":"as","start":1374.26,"end":1374.42,"confidence":0.99965155,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.009516067802906036},{"word":"well","start":1374.42,"end":1374.92,"confidence":0.8037492,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.00979526713490486},{"word":"given","start":1374.98,"end":1375.3,"confidence":0.9958752,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.05275404453277588},{"word":"how","start":1375.3,"end":1375.54,"confidence":0.9987185,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05395537614822388},{"word":"that","start":1375.54,"end":1375.7001,"confidence":0.99979645,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06523870676755905},{"word":"has","start":1375.7001,"end":1375.9401,"confidence":0.9969279,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.02093394100666046},{"word":"sort","start":1375.9401,"end":1376.18,"confidence":0.983898,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.01734893023967743},{"word":"of","start":1376.18,"end":1376.26,"confidence":0.925998,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04304782301187515},{"word":"traveled","start":1376.26,"end":1376.76,"confidence":0.98679787,"punctuated_word":"traveled","sentiment":"neutral","sentiment_score":0.029207922518253326},{"word":"the","start":1377.14,"end":1377.3,"confidence":0.7924907,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03189966082572937},{"word":"last","start":1377.3,"end":1377.54,"confidence":0.9996358,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.0041679441928863525},{"word":"year","start":1377.54,"end":1377.78,"confidence":0.99963963,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.00929585099220276},{"word":"as","start":1377.78,"end":1377.9401,"confidence":0.9997795,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08741578459739685},{"word":"well","start":1377.9401,"end":1378.1,"confidence":0.9737886,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.04363790154457092},{"word":"so","start":1378.1,"end":1378.26,"confidence":0.9998097,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09048593044281006},{"word":"we","start":1378.26,"end":1378.34,"confidence":0.999701,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1543225646018982},{"word":"can","start":1378.34,"end":1378.5,"confidence":0.99992585,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16305938363075256},{"word":"look","start":1378.5,"end":1378.66,"confidence":0.99983144,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.12310971319675446},{"word":"at","start":1378.66,"end":1378.8201,"confidence":0.9992619,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15595266222953796},{"word":"just","start":1378.8201,"end":1379.06,"confidence":0.99919623,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.156873419880867},{"word":"updating","start":1379.06,"end":1379.46,"confidence":0.9996239,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.14830946922302246},{"word":"that","start":1379.46,"end":1379.78,"confidence":0.9998173,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09752582013607024},{"word":"as","start":1379.78,"end":1379.9401,"confidence":0.9997662,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14976271986961365},{"word":"a","start":1379.9401,"end":1380.02,"confidence":0.9993106,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1912946105003357},{"word":"whole","start":1380.02,"end":1380.52,"confidence":0.9996588,"punctuated_word":"whole.","sentiment":"neutral","sentiment_score":0.12382571399211884},{"word":"now","start":1380.8201,"end":1381.3201,"confidence":0.9994578,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.11387307941913603},{"word":"the","start":1381.6549,"end":1381.8949,"confidence":0.999579,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13690891861915588},{"word":"options","start":1381.8949,"end":1382.215,"confidence":0.9146929,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.1108630746603012},{"word":"there","start":1382.215,"end":1382.615,"confidence":0.9971174,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.142675518989563},{"word":"is","start":1382.615,"end":1382.7749,"confidence":0.7912642,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14966773986816406},{"word":"we","start":1382.7749,"end":1382.855,"confidence":0.98688567,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1700543463230133},{"word":"can","start":1382.855,"end":1383.095,"confidence":0.9997019,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1453900784254074},{"word":"look","start":1383.095,"end":1383.335,"confidence":0.99978846,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13062235713005066},{"word":"to","start":1383.335,"end":1383.835,"confidence":0.99552745,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13404177129268646},{"word":"have","start":1384.615,"end":1384.855,"confidence":0.9483872,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1432213932275772},{"word":"it","start":1384.855,"end":1385.1749,"confidence":0.99652135,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1138494610786438},{"word":"to","start":1385.1749,"end":1385.335,"confidence":0.9080436,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08951318264007568},{"word":"where","start":1385.335,"end":1385.495,"confidence":0.99822956,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.09513560682535172},{"word":"you","start":1385.495,"end":1385.6549,"confidence":0.99971503,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13143865764141083},{"word":"still","start":1385.6549,"end":1385.8949,"confidence":0.9996227,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1051994264125824},{"word":"have","start":1385.8949,"end":1386.135,"confidence":0.9997229,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10739227384328842},{"word":"an","start":1386.135,"end":1386.2949,"confidence":0.9997948,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1021314188838005},{"word":"active","start":1386.2949,"end":1386.615,"confidence":0.99988043,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.12331701815128326},{"word":"portion","start":1386.615,"end":1387.0149,"confidence":0.9985201,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.11040617525577544},{"word":"in","start":1387.0149,"end":1387.1749,"confidence":0.99966264,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1404370218515396},{"word":"that","start":1387.1749,"end":1387.335,"confidence":0.8471899,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.09234216809272766},{"word":"or","start":1387.335,"end":1387.495,"confidence":0.99968743,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11412937194108964},{"word":"we","start":1387.495,"end":1387.6549,"confidence":0.9999145,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1517375111579895},{"word":"can","start":1387.6549,"end":1387.815,"confidence":0.9997235,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12218331545591354},{"word":"look","start":1387.815,"end":1387.975,"confidence":0.9996785,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11247482150793076},{"word":"to","start":1387.975,"end":1388.135,"confidence":0.99791485,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15973667800426483},{"word":"just","start":1388.135,"end":1388.375,"confidence":0.55671585,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18041154742240903},{"word":"go","start":1388.375,"end":1388.5349,"confidence":0.9901973,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.16173432767391205},{"word":"sort","start":1388.5349,"end":1388.695,"confidence":0.98656946,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1949612945318222},{"word":"of","start":1388.695,"end":1388.855,"confidence":0.99502265,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16559454798698425},{"word":"fully","start":1388.855,"end":1389.1749,"confidence":0.99843484,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.29093143343925476},{"word":"passive","start":1389.1749,"end":1389.6749,"confidence":0.9805251,"punctuated_word":"passive.","sentiment":"neutral","sentiment_score":0.2237639278173447},{"word":"and","start":1390.0549,"end":1390.215,"confidence":0.9994498,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.18092910945415497},{"word":"then","start":1390.215,"end":1390.455,"confidence":0.9997892,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1869127452373505},{"word":"with","start":1390.455,"end":1390.695,"confidence":0.9912384,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2700945734977722},{"word":"that","start":1390.695,"end":1390.855,"confidence":0.9982174,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.2187269628047943},{"word":"you","start":1390.855,"end":1391.0149,"confidence":0.99110645,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28898701071739197},{"word":"do","start":1391.0149,"end":1391.1749,"confidence":0.9951906,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.28687188029289246},{"word":"pay","start":1391.1749,"end":1391.335,"confidence":0.9982077,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.28121185302734375},{"word":"a","start":1391.335,"end":1391.495,"confidence":0.9984675,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2752070724964142},{"word":"lower","start":1391.495,"end":1391.735,"confidence":0.99833614,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.29048722982406616},{"word":"investment","start":1391.735,"end":1392.215,"confidence":0.99953973,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.09054893255233765},{"word":"cost","start":1392.215,"end":1392.375,"confidence":0.86486757,"punctuated_word":"cost,","sentiment":"neutral","sentiment_score":0.2399076521396637},{"word":"and","start":1392.375,"end":1392.5349,"confidence":0.9778064,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26600268483161926},{"word":"it","start":1392.5349,"end":1392.695,"confidence":0.99277204,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.26842623949050903},{"word":"just","start":1392.695,"end":1392.855,"confidence":0.9982982,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.277940571308136},{"word":"kinda","start":1392.855,"end":1393.095,"confidence":0.89453655,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.2409692406654358},{"word":"tracks","start":1393.095,"end":1393.4149,"confidence":0.987931,"punctuated_word":"tracks","sentiment":"neutral","sentiment_score":0.2952635884284973},{"word":"what","start":1393.4149,"end":1393.575,"confidence":0.99931586,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.31913137435913086},{"word":"the","start":1393.575,"end":1393.735,"confidence":0.9991868,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34335848689079285},{"word":"markets","start":1393.735,"end":1394.215,"confidence":0.9751441,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.2143321931362152},{"word":"are","start":1394.215,"end":1394.455,"confidence":0.9997625,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2657291293144226},{"word":"doing","start":1394.455,"end":1394.955,"confidence":0.8619071,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":0.2292080819606781},{"word":"and","start":1395.7001,"end":1395.9401,"confidence":0.93436265,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07214440405368805},{"word":"you're","start":1395.9401,"end":1396.02,"confidence":0.9921888,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1491047590970993},{"word":"not","start":1396.02,"end":1396.26,"confidence":0.9993656,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.0982181876897812},{"word":"sort","start":1396.26,"end":1396.42,"confidence":0.9967294,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03421764075756073},{"word":"of","start":1396.42,"end":1396.5,"confidence":0.9732728,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12329833209514618},{"word":"betting","start":1396.5,"end":1396.8201,"confidence":0.99849033,"punctuated_word":"betting","sentiment":"neutral","sentiment_score":-0.11037798225879668},{"word":"on","start":1396.8201,"end":1396.9801,"confidence":0.99975497,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.20748312771320343},{"word":"a","start":1396.9801,"end":1397.06,"confidence":0.9993899,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.24758687615394592},{"word":"fund","start":1397.06,"end":1397.38,"confidence":0.99704415,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.30665361881256104},{"word":"manager","start":1397.38,"end":1397.8601,"confidence":0.99962294,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":-0.24063345789909363},{"word":"to","start":1397.8601,"end":1398.02,"confidence":0.9993954,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0861930251121521},{"word":"make","start":1398.02,"end":1398.18,"confidence":0.99978656,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.007687032222747803},{"word":"the","start":1398.18,"end":1398.3401,"confidence":0.9996251,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04412756860256195},{"word":"right","start":1398.3401,"end":1398.5801,"confidence":0.99982077,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.058580756187438965},{"word":"decisions","start":1398.5801,"end":1398.9801,"confidence":0.7149068,"punctuated_word":"decisions,","sentiment":"neutral","sentiment_score":0.020803265273571014},{"word":"especially","start":1398.9801,"end":1399.3,"confidence":0.9987826,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":0.07630118727684021},{"word":"with","start":1399.3,"end":1399.4601,"confidence":0.9857085,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17371554672718048},{"word":"the","start":1399.4601,"end":1399.6201,"confidence":0.99903214,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13172203302383423},{"word":"markets","start":1399.6201,"end":1400.02,"confidence":0.9581417,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.018091216683387756},{"word":"at","start":1400.02,"end":1400.18,"confidence":0.99765646,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1014150083065033},{"word":"the","start":1400.18,"end":1400.26,"confidence":0.99963045,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14668363332748413},{"word":"moment","start":1400.26,"end":1400.76,"confidence":0.76741374,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.1383679211139679},{"word":"there","start":1401.06,"end":1401.3,"confidence":0.9442207,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.3103618621826172},{"word":"is","start":1401.3,"end":1401.4601,"confidence":0.9997874,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2345775067806244},{"word":"obviously","start":1401.4601,"end":1401.9401,"confidence":0.889499,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.2723090648651123},{"word":"opportunities","start":1401.9401,"end":1402.4401,"confidence":0.9954609,"punctuated_word":"opportunities","sentiment":"neutral","sentiment_score":0.2849671244621277},{"word":"to","start":1402.5,"end":1402.5801,"confidence":0.99966323,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2203264832496643},{"word":"be","start":1402.5801,"end":1402.7401,"confidence":0.99901056,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2419209331274033},{"word":"able","start":1402.7401,"end":1402.9,"confidence":0.91942275,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.31974300742149353},{"word":"to","start":1402.9,"end":1402.9801,"confidence":0.99535936,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2685033082962036},{"word":"outperform","start":1402.9801,"end":1403.38,"confidence":0.9887496,"punctuated_word":"outperform","sentiment":"neutral","sentiment_score":0.20659731328487396},{"word":"the","start":1403.38,"end":1403.4601,"confidence":0.99513525,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12159977853298189},{"word":"market","start":1403.4601,"end":1403.78,"confidence":0.94307566,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.04775139689445496},{"word":"when","start":1403.78,"end":1403.9401,"confidence":0.9648921,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.06767839193344116},{"word":"the","start":1403.9401,"end":1404.02,"confidence":0.99766785,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2664935886859894},{"word":"markets","start":1404.02,"end":1404.3401,"confidence":0.86394614,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.26039445400238037},{"word":"are","start":1404.3401,"end":1404.5,"confidence":0.99536055,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.20112168788909912},{"word":"topsy-turvy","start":1404.5,"end":1405.0,"confidence":0.9880298,"punctuated_word":"topsy-turvy","sentiment":"neutral","sentiment_score":-0.3000657558441162},{"word":"like","start":1405.2201,"end":1405.38,"confidence":0.99795556,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.17492571473121643},{"word":"this","start":1405.38,"end":1405.88,"confidence":0.9509137,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":-0.1447170078754425},{"word":"but","start":1405.9401,"end":1406.1001,"confidence":0.9957203,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.11915573477745056},{"word":"also","start":1406.1001,"end":1406.42,"confidence":0.74288636,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.19486290216445923},{"word":"with","start":1406.42,"end":1406.5801,"confidence":0.87326425,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.4265962839126587},{"word":"those","start":1406.5801,"end":1406.8201,"confidence":0.9986929,"punctuated_word":"those","sentiment":"negative","sentiment_score":-0.4175085425376892},{"word":"many","start":1406.8201,"end":1407.14,"confidence":0.97630954,"punctuated_word":"many","sentiment":"negative","sentiment_score":-0.4627601504325866},{"word":"funds","start":1407.14,"end":1407.4601,"confidence":0.9667402,"punctuated_word":"funds,","sentiment":"negative","sentiment_score":-0.3772957921028137},{"word":"it's","start":1407.4601,"end":1407.6201,"confidence":0.7810903,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.4671395719051361},{"word":"also","start":1407.6201,"end":1408.02,"confidence":0.99419737,"punctuated_word":"also","sentiment":"negative","sentiment_score":-0.39539289474487305},{"word":"like","start":1408.02,"end":1408.18,"confidence":0.5767445,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.3884464502334595},{"word":"that","start":1408.18,"end":1408.68,"confidence":0.513224,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.33249974250793457},{"word":"did","start":1408.8201,"end":1408.9801,"confidence":0.36972737,"punctuated_word":"did","sentiment":"negative","sentiment_score":-0.345014750957489},{"word":"occur","start":1408.9801,"end":1409.4801,"confidence":0.9913428,"punctuated_word":"occur","sentiment":"negative","sentiment_score":-0.43619081377983093},{"word":"as","start":1409.615,"end":1409.775,"confidence":0.4517068,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.4577126204967499},{"word":"the","start":1409.775,"end":1409.935,"confidence":0.99961495,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4966249465942383},{"word":"option","start":1409.935,"end":1410.255,"confidence":0.99981767,"punctuated_word":"option","sentiment":"negative","sentiment_score":-0.5053871273994446},{"word":"that","start":1410.255,"end":1410.495,"confidence":0.99123377,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.46399396657943726},{"word":"it","start":1410.495,"end":1410.655,"confidence":0.99967897,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.6001104116439819},{"word":"does","start":1410.655,"end":1411.055,"confidence":0.999846,"punctuated_word":"does","sentiment":"negative","sentiment_score":-0.4881271123886109},{"word":"potentially","start":1411.055,"end":1411.4551,"confidence":0.9859599,"punctuated_word":"potentially","sentiment":"negative","sentiment_score":-0.5146798491477966},{"word":"out","start":1411.4551,"end":1411.935,"confidence":0.29791445,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.4738577604293823},{"word":"like","start":1412.0951,"end":1412.495,"confidence":0.9837506,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.5421562790870667},{"word":"perform","start":1412.495,"end":1412.8151,"confidence":0.99039197,"punctuated_word":"perform","sentiment":"negative","sentiment_score":-0.5690069794654846},{"word":"worse","start":1412.8151,"end":1413.055,"confidence":0.9942266,"punctuated_word":"worse","sentiment":"negative","sentiment_score":-0.6683106422424316},{"word":"than","start":1413.055,"end":1413.2151,"confidence":0.99616396,"punctuated_word":"than","sentiment":"negative","sentiment_score":-0.5625958442687988},{"word":"just","start":1413.2151,"end":1413.375,"confidence":0.9853645,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.5364500284194946},{"word":"what","start":1413.375,"end":1413.535,"confidence":0.99891615,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.5629307627677917},{"word":"the","start":1413.535,"end":1413.6951,"confidence":0.9989864,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5933240056037903},{"word":"markets","start":1413.6951,"end":1414.015,"confidence":0.9957644,"punctuated_word":"markets","sentiment":"negative","sentiment_score":-0.5331626534461975},{"word":"are","start":1414.015,"end":1414.175,"confidence":0.998665,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.5151796936988831},{"word":"doing","start":1414.175,"end":1414.495,"confidence":0.99976426,"punctuated_word":"doing","sentiment":"negative","sentiment_score":-0.5567148327827454},{"word":"as","start":1414.495,"end":1414.655,"confidence":0.9995559,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.4270104169845581},{"word":"well","start":1414.655,"end":1415.155,"confidence":0.7964837,"punctuated_word":"well,","sentiment":"negative","sentiment_score":-0.3693205714225769},{"word":"if","start":1417.615,"end":1417.855,"confidence":0.9916038,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2422211468219757},{"word":"that","start":1417.855,"end":1418.015,"confidence":0.99944633,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1865884959697723},{"word":"makes","start":1418.015,"end":1418.255,"confidence":0.94167125,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.0024498552083969116},{"word":"sense","start":1418.255,"end":1418.755,"confidence":0.95431066,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.05453897267580032},{"word":"yeah","start":1430.5901,"end":1430.99,"confidence":0.87370515,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1541808843612671},{"word":"because","start":1430.99,"end":1431.31,"confidence":0.9488591,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.1585468947887421},{"word":"we","start":1431.31,"end":1431.55,"confidence":0.9993506,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2140523791313171},{"word":"can","start":1431.55,"end":1432.05,"confidence":0.99993277,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.26157382130622864},{"word":"show","start":1432.1901,"end":1432.43,"confidence":0.9991093,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.2721697986125946},{"word":"you","start":1432.43,"end":1432.91,"confidence":0.99968565,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2711265981197357},{"word":"sort","start":1432.91,"end":1433.15,"confidence":0.9832065,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2881273031234741},{"word":"of","start":1433.15,"end":1433.39,"confidence":0.9946057,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30482017993927},{"word":"what","start":1433.39,"end":1433.63,"confidence":0.9995702,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.29197579622268677},{"word":"it","start":1433.63,"end":1433.79,"confidence":0.9997824,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2477695643901825},{"word":"looks","start":1433.79,"end":1434.11,"confidence":0.9997758,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.2404298186302185},{"word":"like","start":1434.11,"end":1434.43,"confidence":0.87228596,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.23968946933746335},{"word":"and","start":1434.43,"end":1434.5901,"confidence":0.9997619,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2937491536140442},{"word":"then","start":1434.5901,"end":1434.75,"confidence":0.9999361,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.29703426361083984},{"word":"you","start":1434.75,"end":1434.91,"confidence":0.99881065,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3272417187690735},{"word":"can","start":1434.91,"end":1435.15,"confidence":0.99989724,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.31606927514076233},{"word":"sort","start":1435.15,"end":1435.39,"confidence":0.9985434,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.3050098121166229},{"word":"of","start":1435.39,"end":1435.47,"confidence":0.9212695,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3415222764015198},{"word":"make","start":1435.47,"end":1435.63,"confidence":0.99963593,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.3044383227825165},{"word":"a","start":1435.63,"end":1435.79,"confidence":0.9996674,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35214245319366455},{"word":"decision","start":1435.79,"end":1436.1901,"confidence":0.9948359,"punctuated_word":"decision.","sentiment":"neutral","sentiment_score":0.3070605397224426},{"word":"we","start":1436.1901,"end":1436.27,"confidence":0.9993704,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.27619457244873047},{"word":"can","start":1436.27,"end":1436.51,"confidence":0.9998604,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.33345603942871094},{"word":"show","start":1436.51,"end":1436.67,"confidence":0.99943835,"punctuated_word":"show","sentiment":"positive","sentiment_score":0.34276291728019714},{"word":"you","start":1436.67,"end":1436.75,"confidence":0.9864451,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.38460221886634827},{"word":"what","start":1436.75,"end":1437.0701,"confidence":0.99761546,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4113646149635315},{"word":"the","start":1437.0701,"end":1437.465,"confidence":0.9211472,"punctuated_word":"the,","sentiment":"neutral","sentiment_score":0.2795538902282715},{"word":"like","start":1437.625,"end":1437.865,"confidence":0.98948765,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2179032415151596},{"word":"if","start":1437.865,"end":1437.905,"confidence":0.9722453,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3703081011772156},{"word":"we","start":1437.905,"end":1437.945,"confidence":0.99375606,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3401743769645691},{"word":"go","start":1437.945,"end":1438.1849,"confidence":0.9960562,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.302797794342041},{"word":"with","start":1438.1849,"end":1438.345,"confidence":0.9895579,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3067285418510437},{"word":"a","start":1438.345,"end":1438.4249,"confidence":0.581563,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3670129179954529},{"word":"more","start":1438.4249,"end":1438.6649,"confidence":0.99993026,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2762414813041687},{"word":"passive","start":1438.6649,"end":1439.065,"confidence":0.9986551,"punctuated_word":"passive","sentiment":"neutral","sentiment_score":0.30679094791412354},{"word":"approach","start":1439.065,"end":1439.465,"confidence":0.9884773,"punctuated_word":"approach,","sentiment":"positive","sentiment_score":0.35769951343536377},{"word":"which","start":1439.465,"end":1439.625,"confidence":0.99992275,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.3982342779636383},{"word":"is","start":1439.625,"end":1439.865,"confidence":0.99986887,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3284221291542053},{"word":"that","start":1439.865,"end":1440.025,"confidence":0.99285877,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.33976709842681885},{"word":"lower","start":1440.025,"end":1440.1849,"confidence":0.9982578,"punctuated_word":"lower","sentiment":"positive","sentiment_score":0.4420574903488159},{"word":"cost","start":1440.1849,"end":1440.4249,"confidence":0.9169665,"punctuated_word":"cost,","sentiment":"positive","sentiment_score":0.4242241680622101},{"word":"it","start":1440.4249,"end":1440.585,"confidence":0.9799264,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4916537702083587},{"word":"will","start":1440.585,"end":1440.745,"confidence":0.9984238,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.5190187692642212},{"word":"save","start":1440.745,"end":1440.9049,"confidence":0.99837744,"punctuated_word":"save","sentiment":"positive","sentiment_score":0.452111542224884},{"word":"you","start":1440.9049,"end":1441.065,"confidence":0.9967043,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5071671605110168},{"word":"sort","start":1441.065,"end":1441.225,"confidence":0.99338734,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.4350651800632477},{"word":"of","start":1441.225,"end":1441.385,"confidence":0.8273352,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.530852198600769},{"word":"ongoing","start":1441.385,"end":1441.7849,"confidence":0.99846965,"punctuated_word":"ongoing","sentiment":"positive","sentiment_score":0.5574254989624023},{"word":"money","start":1441.7849,"end":1441.945,"confidence":0.89061356,"punctuated_word":"money.","sentiment":"positive","sentiment_score":0.415988564491272},{"word":"and","start":1441.945,"end":1442.105,"confidence":0.99956626,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.24588388204574585},{"word":"given","start":1442.105,"end":1442.345,"confidence":0.99868065,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.27721744775772095},{"word":"that","start":1442.345,"end":1442.4249,"confidence":0.9998042,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.188009575009346},{"word":"you're","start":1442.4249,"end":1442.585,"confidence":0.9994941,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.23017029464244845},{"word":"not","start":1442.585,"end":1442.745,"confidence":0.999019,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.17885839939117432},{"word":"contributing","start":1442.745,"end":1443.245,"confidence":0.99927896,"punctuated_word":"contributing","sentiment":"neutral","sentiment_score":0.07312887907028198},{"word":"sorta","start":1443.3049,"end":1443.625,"confidence":0.7578985,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.11710991710424425},{"word":"at","start":1443.625,"end":1443.705,"confidence":0.99034953,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08901563286781311},{"word":"the","start":1443.705,"end":1443.7849,"confidence":0.9986174,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12789607048034668},{"word":"moment","start":1443.7849,"end":1444.2849,"confidence":0.99442565,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.10570485889911652},{"word":"it'll","start":1445.145,"end":1445.465,"confidence":0.9064993,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.2845781743526459},{"word":"mean","start":1445.465,"end":1445.705,"confidence":0.99902046,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.2667946517467499},{"word":"that","start":1445.705,"end":1445.945,"confidence":0.9997552,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2146482616662979},{"word":"you","start":1445.945,"end":1446.1849,"confidence":0.92747164,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22016456723213196},{"word":"sort","start":1446.1849,"end":1446.4249,"confidence":0.79704005,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2696717083454132},{"word":"of","start":1446.4249,"end":1446.585,"confidence":0.97512645,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27504757046699524},{"word":"like","start":1446.745,"end":1447.065,"confidence":0.97500944,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.24429717659950256},{"word":"fees","start":1447.065,"end":1447.465,"confidence":0.9971163,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.2736268639564514},{"word":"are","start":1447.465,"end":1447.625,"confidence":0.99208647,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2280718982219696},{"word":"lower","start":1447.625,"end":1447.945,"confidence":0.9997559,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.2821236848831177},{"word":"in","start":1447.945,"end":1448.105,"confidence":0.9978808,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.30660194158554077},{"word":"terms","start":1448.105,"end":1448.345,"confidence":0.9999461,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.30440065264701843},{"word":"of","start":1448.345,"end":1448.505,"confidence":0.97184664,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.27381351590156555},{"word":"like","start":1448.505,"end":1448.6649,"confidence":0.9981635,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.27606087923049927},{"word":"the","start":1448.6649,"end":1448.745,"confidence":0.9989183,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31075698137283325},{"word":"investment","start":1448.745,"end":1449.225,"confidence":0.99981695,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1410801261663437},{"word":"cost","start":1449.225,"end":1449.385,"confidence":0.84726757,"punctuated_word":"cost,","sentiment":"neutral","sentiment_score":0.22664618492126465},{"word":"which","start":1449.385,"end":1449.5449,"confidence":0.9994137,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.31955790519714355},{"word":"is","start":1449.5449,"end":1449.705,"confidence":0.7944919,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.2691335678100586},{"word":"like","start":1449.705,"end":1449.865,"confidence":0.999105,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2844040095806122},{"word":"a","start":1449.865,"end":1450.025,"confidence":0.99832326,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25060150027275085},{"word":"guaranteed","start":1450.025,"end":1450.525,"confidence":0.9830876,"punctuated_word":"guaranteed","sentiment":"neutral","sentiment_score":0.24575769901275635},{"word":"savings","start":1450.585,"end":1451.065,"confidence":0.98911524,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":-0.0009498149156570436},{"word":"even","start":1451.065,"end":1451.225,"confidence":0.8200439,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.02913360297679901},{"word":"if","start":1451.225,"end":1451.465,"confidence":0.9942456,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04134947806596756},{"word":"it","start":1451.465,"end":1451.5449,"confidence":0.8461898,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.005196243524551392},{"word":"doesn't","start":1451.5449,"end":1452.0449,"confidence":0.9921319,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.18987058103084564},{"word":"perform","start":1452.14,"end":1452.54,"confidence":0.9599742,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":-0.18414461612701416},{"word":"as","start":1452.54,"end":1452.7001,"confidence":0.9991159,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.15440359711647034},{"word":"well","start":1452.7001,"end":1453.02,"confidence":0.9996716,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.12088316679000854},{"word":"as","start":1453.02,"end":1453.26,"confidence":0.96854585,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":-0.10874873399734496},{"word":"like","start":1453.26,"end":1453.42,"confidence":0.9991572,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.06204359605908394},{"word":"if","start":1453.42,"end":1453.5801,"confidence":0.9996768,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06162991002202034},{"word":"you","start":1453.5801,"end":1453.7401,"confidence":0.9835856,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.013894788920879364},{"word":"didn't","start":1453.7401,"end":1453.9801,"confidence":0.90751207,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.0027741766534745693},{"word":"have","start":1453.9801,"end":1454.14,"confidence":0.99970526,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0005018189549446106},{"word":"an","start":1454.14,"end":1454.3,"confidence":0.99837875,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.002750098705291748},{"word":"active","start":1454.3,"end":1454.6201,"confidence":0.9985298,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.02290010452270508},{"word":"portal","start":1454.6201,"end":1454.78,"confidence":0.18335222,"punctuated_word":"portal","sentiment":"neutral","sentiment_score":0.1019606739282608},{"word":"portion","start":1455.26,"end":1455.66,"confidence":0.9573267,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.06554660946130753},{"word":"that","start":1455.66,"end":1455.8201,"confidence":0.9993044,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11021091043949129},{"word":"did","start":1455.8201,"end":1455.9801,"confidence":0.9862569,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.1810320615768433},{"word":"perform","start":1455.9801,"end":1456.3,"confidence":0.9994999,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":0.09185785055160522},{"word":"well","start":1456.3,"end":1456.54,"confidence":0.94919264,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.14809218049049375},{"word":"if","start":1456.54,"end":1456.78,"confidence":0.99395096,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19537779688835144},{"word":"that","start":1456.78,"end":1456.9401,"confidence":0.99995613,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1749330461025238},{"word":"makes","start":1456.9401,"end":1457.18,"confidence":0.97229755,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.1026582419872284},{"word":"sense","start":1457.18,"end":1457.68,"confidence":0.8627878,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.05047627165913582},{"word":"because","start":1458.2201,"end":1458.6201,"confidence":0.99606246,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.023845739662647247},{"word":"it's","start":1458.6201,"end":1458.8601,"confidence":0.999727,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.011174624785780908},{"word":"not","start":1458.8601,"end":1459.02,"confidence":0.9998915,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04850810766220093},{"word":"like","start":1459.02,"end":1459.18,"confidence":0.939808,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.06595177948474884},{"word":"the","start":1459.18,"end":1459.3401,"confidence":0.99613357,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08154730498790741},{"word":"whole","start":1459.3401,"end":1459.5,"confidence":0.9941292,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.1408364474773407},{"word":"port","start":1459.5,"end":1459.66,"confidence":0.5638208,"punctuated_word":"port","sentiment":"neutral","sentiment_score":-0.09933961927890778},{"word":"yeah","start":1460.2201,"end":1460.4601,"confidence":0.9863712,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.004504486918449402},{"word":"it's","start":1460.4601,"end":1460.6201,"confidence":0.98882186,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.05298219621181488},{"word":"not","start":1460.6201,"end":1460.78,"confidence":0.99737525,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1163102462887764},{"word":"like","start":1460.78,"end":1460.9401,"confidence":0.9890617,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.10248488932847977},{"word":"the","start":1460.9401,"end":1461.02,"confidence":0.9954106,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09230591356754304},{"word":"whole","start":1461.02,"end":1461.26,"confidence":0.9988268,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.11960539221763612},{"word":"portfolio","start":1461.26,"end":1461.7401,"confidence":0.9863197,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.1690586656332016},{"word":"would","start":1461.7401,"end":1461.9,"confidence":0.9938466,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.05415437370538711},{"word":"be","start":1461.9,"end":1462.06,"confidence":0.9998128,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07061795890331268},{"word":"active","start":1462.06,"end":1462.38,"confidence":0.9998857,"punctuated_word":"active","sentiment":"neutral","sentiment_score":-0.1215089112520218},{"word":"anyway","start":1462.38,"end":1462.7001,"confidence":0.9471884,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":-0.05691611394286156},{"word":"there","start":1462.7001,"end":1462.8601,"confidence":0.99730754,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.02039630711078644},{"word":"would","start":1462.8601,"end":1463.02,"confidence":0.99978405,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.05856771767139435},{"word":"be","start":1463.02,"end":1463.18,"confidence":0.9994413,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04545886069536209},{"word":"a","start":1463.18,"end":1463.26,"confidence":0.9997248,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04299316927790642},{"word":"portion","start":1463.26,"end":1463.66,"confidence":0.99974936,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.09971361607313156},{"word":"that","start":1463.66,"end":1463.8201,"confidence":0.99970275,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12693341076374054},{"word":"would","start":1463.8201,"end":1463.9801,"confidence":0.9997868,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.122023306787014},{"word":"be","start":1463.9801,"end":1464.4801,"confidence":0.9988092,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0938645526766777},{"word":"passive","start":1464.655,"end":1465.155,"confidence":0.9979658,"punctuated_word":"passive","sentiment":"neutral","sentiment_score":0.2222019284963608},{"word":"that","start":1465.535,"end":1465.775,"confidence":0.47355595,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1948097348213196},{"word":"sorta","start":1465.775,"end":1466.015,"confidence":0.7212361,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.1737929731607437},{"word":"is","start":1466.015,"end":1466.175,"confidence":0.9957866,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13605470955371857},{"word":"lower","start":1466.175,"end":1466.495,"confidence":0.9991736,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.16634827852249146},{"word":"cost","start":1466.495,"end":1466.995,"confidence":0.82697654,"punctuated_word":"cost.","sentiment":"neutral","sentiment_score":0.10153868049383163},{"word":"the","start":1467.055,"end":1467.215,"confidence":0.9722074,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.03700236231088638},{"word":"core","start":1467.215,"end":1467.455,"confidence":0.9992323,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.10572683811187744},{"word":"of","start":1467.455,"end":1467.535,"confidence":0.9996252,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07911083102226257},{"word":"the","start":1467.535,"end":1467.695,"confidence":0.9963756,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08590846508741379},{"word":"portfolio","start":1467.695,"end":1468.195,"confidence":0.9995499,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.07118681073188782},{"word":"with","start":1468.335,"end":1468.575,"confidence":0.82142484,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.07785614579916},{"word":"like","start":1468.575,"end":1468.815,"confidence":0.99933517,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05737709254026413},{"word":"either","start":1468.815,"end":1469.055,"confidence":0.9988293,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.08637358248233795},{"word":"the","start":1469.055,"end":1469.215,"confidence":0.9866084,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.061031293123960495},{"word":"active","start":1469.215,"end":1469.615,"confidence":0.9997222,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.13186213374137878},{"word":"portion","start":1469.615,"end":1469.9349,"confidence":0.9993869,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.11378391087055206},{"word":"or","start":1469.9349,"end":1470.095,"confidence":0.995154,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.007689587771892548},{"word":"not","start":1470.095,"end":1470.595,"confidence":0.827183,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":0.020497582852840424},{"word":"it's","start":1474.175,"end":1474.295,"confidence":0.9576831,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.0011046355357393622},{"word":"a","start":1474.295,"end":1474.415,"confidence":0.99703383,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.045188479125499725},{"word":"bit","start":1474.415,"end":1474.575,"confidence":0.99964535,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0431598499417305},{"word":"of","start":1474.575,"end":1474.655,"confidence":0.99932766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.057637810707092285},{"word":"a","start":1474.655,"end":1474.735,"confidence":0.9961205,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07300057262182236},{"word":"flip","start":1474.735,"end":1474.975,"confidence":0.99013025,"punctuated_word":"flip","sentiment":"neutral","sentiment_score":-0.040604375302791595},{"word":"of","start":1474.975,"end":1475.055,"confidence":0.9736777,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08577349781990051},{"word":"the","start":1475.055,"end":1475.215,"confidence":0.9938226,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08849489688873291},{"word":"coin","start":1475.215,"end":1475.455,"confidence":0.99951196,"punctuated_word":"coin","sentiment":"neutral","sentiment_score":-0.03956993669271469},{"word":"at","start":1475.455,"end":1475.615,"confidence":0.99973744,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1014075204730034},{"word":"the","start":1475.615,"end":1475.695,"confidence":0.9994247,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07920998334884644},{"word":"moment","start":1475.695,"end":1475.9349,"confidence":0.97270525,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.02095707505941391},{"word":"obviously","start":1475.9349,"end":1476.335,"confidence":0.9914272,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.05345342308282852},{"word":"with","start":1476.335,"end":1476.495,"confidence":0.99966514,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12542036175727844},{"word":"the","start":1476.495,"end":1476.655,"confidence":0.9992119,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1625155806541443},{"word":"markets","start":1476.655,"end":1477.135,"confidence":0.8014177,"punctuated_word":"markets,","sentiment":"neutral","sentiment_score":0.1332838088274002},{"word":"like","start":1477.135,"end":1477.41,"confidence":0.96404773,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1188809871673584},{"word":"overall","start":1477.73,"end":1478.23,"confidence":0.9858475,"punctuated_word":"overall,","sentiment":"neutral","sentiment_score":0.20475630462169647},{"word":"they","start":1478.29,"end":1478.53,"confidence":0.97670174,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.30542322993278503},{"word":"still","start":1478.53,"end":1479.01,"confidence":0.9500563,"punctuated_word":"still,","sentiment":"neutral","sentiment_score":0.21422593295574188},{"word":"like","start":1479.01,"end":1479.25,"confidence":0.9961627,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2108443379402161},{"word":"have","start":1479.25,"end":1479.41,"confidence":0.98990846,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.35238930583000183},{"word":"been","start":1479.41,"end":1479.65,"confidence":0.99988127,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.2694646716117859},{"word":"tracking","start":1479.65,"end":1479.9701,"confidence":0.99960214,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.29566940665245056},{"word":"well","start":1479.9701,"end":1480.13,"confidence":0.9998166,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.379571795463562},{"word":"over","start":1480.13,"end":1480.37,"confidence":0.99985754,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.3281342387199402},{"word":"the","start":1480.37,"end":1480.4501,"confidence":0.9983972,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.236299991607666},{"word":"past","start":1480.4501,"end":1480.6901,"confidence":0.9996289,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.17890343070030212},{"word":"five","start":1480.6901,"end":1480.93,"confidence":0.9989784,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.15579301118850708},{"word":"years","start":1480.93,"end":1481.25,"confidence":0.999495,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.19891873002052307},{"word":"just","start":1481.25,"end":1481.41,"confidence":0.9649344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3196377158164978},{"word":"with","start":1481.41,"end":1481.5701,"confidence":0.9946943,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4270369112491608},{"word":"the","start":1481.5701,"end":1481.73,"confidence":0.9998149,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30635738372802734},{"word":"indexes","start":1481.73,"end":1482.2101,"confidence":0.8042174,"punctuated_word":"indexes.","sentiment":"neutral","sentiment_score":0.2119738757610321},{"word":"so","start":1482.2101,"end":1482.4501,"confidence":0.9995559,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.31586676836013794},{"word":"you","start":1482.4501,"end":1482.61,"confidence":0.99968255,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3543725609779358},{"word":"can't","start":1482.61,"end":1482.85,"confidence":0.99969274,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":0.2861958146095276},{"word":"really","start":1482.85,"end":1483.0901,"confidence":0.99974686,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.008164659142494202},{"word":"go","start":1483.0901,"end":1483.25,"confidence":0.9996996,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.17015685141086578},{"word":"wrong","start":1483.25,"end":1483.49,"confidence":0.9997955,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":0.09212267398834229},{"word":"if","start":1483.49,"end":1483.5701,"confidence":0.99863726,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1202482059597969},{"word":"you","start":1483.5701,"end":1483.73,"confidence":0.9990853,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06846079230308533},{"word":"were","start":1483.73,"end":1483.89,"confidence":0.99116325,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.055829182267189026},{"word":"just","start":1483.89,"end":1484.05,"confidence":0.9966388,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03649905323982239},{"word":"in","start":1484.05,"end":1484.2101,"confidence":0.9593247,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10503286123275755},{"word":"the","start":1484.2101,"end":1484.29,"confidence":0.994948,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0917181521654129},{"word":"indexes","start":1484.29,"end":1484.6901,"confidence":0.99752754,"punctuated_word":"indexes","sentiment":"neutral","sentiment_score":0.07841787487268448},{"word":"for","start":1484.6901,"end":1484.93,"confidence":0.88715166,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09017056971788406},{"word":"the","start":1484.93,"end":1485.01,"confidence":0.998002,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04023567587137222},{"word":"past","start":1485.01,"end":1485.3301,"confidence":0.9994267,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.09646998345851898},{"word":"five","start":1485.3301,"end":1485.49,"confidence":0.99887735,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.043601736426353455},{"word":"years","start":1485.49,"end":1485.99,"confidence":0.7913461,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.09017059206962584},{"word":"and","start":1487.0901,"end":1487.3301,"confidence":0.96655923,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05852655693888664},{"word":"in","start":1487.3301,"end":1487.5701,"confidence":0.90506935,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.008156895637512207},{"word":"saying","start":1487.5701,"end":1487.81,"confidence":0.99700886,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.0018877238035202024},{"word":"that","start":1487.81,"end":1488.05,"confidence":0.8775673,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.005580410361289978},{"word":"it","start":1488.05,"end":1488.2101,"confidence":0.9798338,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.042639389634132385},{"word":"is","start":1488.2101,"end":1488.7101,"confidence":0.99930036,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04102513939142227},{"word":"oh","start":1489.25,"end":1489.49,"confidence":0.76681805,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.0306777935475111},{"word":"sorry","start":1489.49,"end":1489.99,"confidence":0.8574616,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.1868366003036499},{"word":"yeah","start":1496.1649,"end":1496.565,"confidence":0.9181977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.023873740807175636},{"word":"so","start":1496.565,"end":1497.065,"confidence":0.7244953,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.039571069180965424},{"word":"yeah","start":1498.645,"end":1499.0449,"confidence":0.99386835,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.02946789376437664},{"word":"so","start":1499.0449,"end":1499.365,"confidence":0.97783333,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04157952591776848},{"word":"so","start":1499.365,"end":1499.6849,"confidence":0.8710884,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.036767639219760895},{"word":"with","start":1499.6849,"end":1500.005,"confidence":0.9955,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03761233389377594},{"word":"that","start":1500.005,"end":1500.4049,"confidence":0.99534106,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.044249169528484344},{"word":"like","start":1500.4049,"end":1500.8049,"confidence":0.9964886,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.04437553137540817},{"word":"as","start":1500.8049,"end":1500.965,"confidence":0.9997838,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05089777708053589},{"word":"long","start":1500.965,"end":1501.205,"confidence":0.99946517,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.06303828954696655},{"word":"as","start":1501.205,"end":1501.365,"confidence":0.9987214,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.07018595188856125},{"word":"the","start":1501.365,"end":1501.5249,"confidence":0.9980665,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06957054883241653},{"word":"the","start":1501.5249,"end":1501.765,"confidence":0.97594315,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09770087897777556},{"word":"markets","start":1501.765,"end":1502.085,"confidence":0.81951594,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.11038997769355774},{"word":"continue","start":1502.085,"end":1502.485,"confidence":0.99796236,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":-0.08503652364015579},{"word":"to","start":1502.485,"end":1502.565,"confidence":0.99077004,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08741509914398193},{"word":"tick","start":1502.565,"end":1502.8049,"confidence":0.97311425,"punctuated_word":"tick","sentiment":"neutral","sentiment_score":-0.03328350931406021},{"word":"along","start":1502.8049,"end":1503.125,"confidence":0.90290296,"punctuated_word":"along,","sentiment":"neutral","sentiment_score":-0.08919239789247513},{"word":"like","start":1503.125,"end":1503.365,"confidence":0.9716488,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.11307071894407272},{"word":"they","start":1503.365,"end":1503.5249,"confidence":0.99955255,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1230715960264206},{"word":"haven't","start":1503.5249,"end":1504.02,"confidence":0.99988186,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.10238052904605864},{"word":"responded","start":1504.34,"end":1504.74,"confidence":0.9827747,"punctuated_word":"responded,","sentiment":"neutral","sentiment_score":-0.3124755620956421},{"word":"like","start":1504.74,"end":1505.14,"confidence":0.9988899,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.4165328443050385},{"word":"horrifically","start":1505.14,"end":1505.64,"confidence":0.9943045,"punctuated_word":"horrifically","sentiment":"negative","sentiment_score":-0.49757522344589233},{"word":"to","start":1505.78,"end":1506.18,"confidence":0.9948833,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.42596545815467834},{"word":"those","start":1506.18,"end":1506.5801,"confidence":0.98568034,"punctuated_word":"those,","sentiment":"negative","sentiment_score":-0.38862210512161255},{"word":"like","start":1506.5801,"end":1506.8201,"confidence":0.99359685,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.4626324474811554},{"word":"wars","start":1506.8201,"end":1507.14,"confidence":0.943679,"punctuated_word":"wars.","sentiment":"negative","sentiment_score":-0.4217976927757263},{"word":"obviously","start":1507.14,"end":1507.46,"confidence":0.99819183,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.21460476517677307},{"word":"if","start":1507.46,"end":1507.62,"confidence":0.9994735,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2518453896045685},{"word":"it","start":1507.62,"end":1507.7001,"confidence":0.9994868,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.23815886676311493},{"word":"kicks","start":1507.7001,"end":1507.9401,"confidence":0.94278246,"punctuated_word":"kicks","sentiment":"neutral","sentiment_score":-0.2677862346172333},{"word":"off","start":1507.9401,"end":1508.18,"confidence":0.9946892,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.22469858825206757},{"word":"a","start":1508.18,"end":1508.26,"confidence":0.9998666,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2561578154563904},{"word":"little","start":1508.26,"end":1508.42,"confidence":0.9999349,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.20931412279605863},{"word":"bit","start":1508.42,"end":1508.66,"confidence":0.9997869,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.25405701994895935},{"word":"more","start":1508.66,"end":1508.9,"confidence":0.9974407,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":-0.2328127920627594},{"word":"it","start":1508.9,"end":1509.06,"confidence":0.99971944,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2279481589794159},{"word":"may","start":1509.06,"end":1509.3,"confidence":0.9987055,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.220695361495018},{"word":"sort","start":1509.3,"end":1509.46,"confidence":0.9885324,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.27960073947906494},{"word":"of","start":1509.46,"end":1509.62,"confidence":0.64569616,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.28493618965148926},{"word":"take","start":1509.62,"end":1509.78,"confidence":0.9422296,"punctuated_word":"take,","sentiment":"neutral","sentiment_score":-0.26565343141555786},{"word":"like","start":1509.78,"end":1509.9401,"confidence":0.9990453,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2892196774482727},{"word":"a","start":1509.9401,"end":1510.1,"confidence":0.9961299,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.27960914373397827},{"word":"significant","start":1510.1,"end":1510.5801,"confidence":0.99960107,"punctuated_word":"significant","sentiment":"neutral","sentiment_score":-0.27377864718437195},{"word":"dive","start":1510.5801,"end":1510.8201,"confidence":0.96591485,"punctuated_word":"dive,","sentiment":"neutral","sentiment_score":-0.27923089265823364},{"word":"but","start":1510.8201,"end":1511.06,"confidence":0.99958366,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.19075335562229156},{"word":"it's","start":1511.06,"end":1511.22,"confidence":0.99423033,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.34075698256492615},{"word":"still","start":1511.22,"end":1511.46,"confidence":0.99977034,"punctuated_word":"still","sentiment":"negative","sentiment_score":-0.35218876600265503},{"word":"sorta","start":1511.46,"end":1511.96,"confidence":0.85239315,"punctuated_word":"sorta,","sentiment":"negative","sentiment_score":-0.3349858224391937},{"word":"you","start":1512.02,"end":1512.18,"confidence":0.99987626,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.29747164249420166},{"word":"know","start":1512.18,"end":1512.34,"confidence":0.9998642,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.3121222257614136},{"word":"ticking","start":1512.34,"end":1512.66,"confidence":0.9826171,"punctuated_word":"ticking","sentiment":"neutral","sentiment_score":-0.30491629242897034},{"word":"along","start":1512.66,"end":1512.9,"confidence":0.9976158,"punctuated_word":"along","sentiment":"neutral","sentiment_score":-0.3291760981082916},{"word":"at","start":1512.9,"end":1513.06,"confidence":0.9969386,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.37874090671539307},{"word":"a","start":1513.06,"end":1513.22,"confidence":0.9946202,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.41756653785705566},{"word":"pace","start":1513.22,"end":1513.46,"confidence":0.8838727,"punctuated_word":"pace.","sentiment":"neutral","sentiment_score":-0.33022385835647583},{"word":"whereas","start":1513.46,"end":1513.78,"confidence":0.9854327,"punctuated_word":"Whereas,","sentiment":"neutral","sentiment_score":-0.1210373267531395},{"word":"like","start":1513.78,"end":1513.9401,"confidence":0.9975587,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.10702437907457352},{"word":"if","start":1513.9401,"end":1514.02,"confidence":0.844515,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11295191943645476},{"word":"you","start":1514.02,"end":1514.18,"confidence":0.99747974,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07066401094198227},{"word":"do","start":1514.18,"end":1514.26,"confidence":0.99241334,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07126449048519135},{"word":"a","start":1514.26,"end":1514.42,"confidence":0.88237023,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08638612926006317},{"word":"managed","start":1514.42,"end":1514.74,"confidence":0.7788405,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":-0.08869467675685883},{"word":"fund","start":1514.74,"end":1514.98,"confidence":0.944906,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":-0.05680496245622635},{"word":"they're","start":1514.98,"end":1515.14,"confidence":0.7617074,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.07892030477523804},{"word":"obviously","start":1515.14,"end":1515.54,"confidence":0.9676347,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.0671880692243576},{"word":"making","start":1515.54,"end":1515.86,"confidence":0.9973363,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.10641104727983476},{"word":"those","start":1515.86,"end":1516.1,"confidence":0.99964917,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.12912355363368988},{"word":"bets","start":1516.1,"end":1516.34,"confidence":0.99780613,"punctuated_word":"bets","sentiment":"neutral","sentiment_score":-0.14978456497192383},{"word":"and","start":1516.34,"end":1516.5801,"confidence":0.69593835,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.08784899115562439},{"word":"you","start":1516.5801,"end":1516.66,"confidence":0.99935454,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07443176209926605},{"word":"know","start":1516.66,"end":1517.16,"confidence":0.99963,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.05718383193016052},{"word":"it's","start":1517.3,"end":1517.8,"confidence":0.99816287,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0459645614027977},{"word":"a","start":1517.925,"end":1518.245,"confidence":0.688315,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2950313091278076},{"word":"lot","start":1518.245,"end":1518.405,"confidence":0.99440926,"punctuated_word":"lot","sentiment":"negative","sentiment_score":-0.42150333523750305},{"word":"harder","start":1518.405,"end":1518.805,"confidence":0.99959403,"punctuated_word":"harder","sentiment":"negative","sentiment_score":-0.4008899927139282},{"word":"to","start":1518.805,"end":1518.885,"confidence":0.9998115,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3879190981388092},{"word":"make","start":1518.885,"end":1519.285,"confidence":0.9998871,"punctuated_word":"make","sentiment":"negative","sentiment_score":-0.4238010346889496},{"word":"the","start":1519.285,"end":1519.6051,"confidence":0.9998198,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3804446756839752},{"word":"the","start":1519.6051,"end":1519.8451,"confidence":0.99117625,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3444656431674957},{"word":"right","start":1519.8451,"end":1520.0851,"confidence":0.998505,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.29273509979248047},{"word":"sort","start":1520.0851,"end":1520.245,"confidence":0.99693584,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.37482425570487976},{"word":"of","start":1520.245,"end":1520.405,"confidence":0.99347633,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.38081714510917664},{"word":"bets","start":1520.405,"end":1520.7251,"confidence":0.99879444,"punctuated_word":"bets","sentiment":"negative","sentiment_score":-0.35963600873947144},{"word":"when","start":1520.7251,"end":1521.2251,"confidence":0.9924712,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.2680068910121918},{"word":"the","start":1521.365,"end":1521.6051,"confidence":0.98678607,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22974492609500885},{"word":"the","start":1521.6051,"end":1521.685,"confidence":0.8561948,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19950035214424133},{"word":"times","start":1521.685,"end":1522.005,"confidence":0.9909292,"punctuated_word":"times","sentiment":"neutral","sentiment_score":-0.1819801926612854},{"word":"like","start":1522.005,"end":1522.165,"confidence":0.7249059,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.21701380610466003},{"word":"now","start":1522.165,"end":1522.3251,"confidence":0.99814355,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.19237518310546875},{"word":"when","start":1522.3251,"end":1522.645,"confidence":0.7272827,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.1399109661579132},{"word":"things","start":1522.645,"end":1522.885,"confidence":0.69325864,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.19332799315452576},{"word":"change","start":1522.885,"end":1523.2051,"confidence":0.86512065,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.282503604888916},{"word":"so","start":1523.2051,"end":1523.4451,"confidence":0.9804033,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.25442421436309814},{"word":"significantly","start":1523.4451,"end":1523.9451,"confidence":0.99902594,"punctuated_word":"significantly","sentiment":"neutral","sentiment_score":-0.2511645555496216},{"word":"and","start":1524.005,"end":1524.245,"confidence":0.81402814,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.24572336673736572},{"word":"sort","start":1524.245,"end":1524.405,"confidence":0.98064065,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.33081403374671936},{"word":"of","start":1524.405,"end":1524.645,"confidence":0.9988757,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3176943063735962},{"word":"something","start":1524.645,"end":1524.9651,"confidence":0.78847176,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.3034683167934418},{"word":"you","start":1524.9651,"end":1525.045,"confidence":0.91273123,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.33077746629714966},{"word":"can't","start":1525.045,"end":1525.285,"confidence":0.9995225,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.2838011384010315},{"word":"really","start":1525.285,"end":1525.6051,"confidence":0.9997911,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.2222919166088104},{"word":"put","start":1525.6051,"end":1525.8451,"confidence":0.9998566,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.26139676570892334},{"word":"on","start":1525.8451,"end":1526.005,"confidence":0.9988036,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2459299862384796},{"word":"paper","start":1526.005,"end":1526.405,"confidence":0.9998574,"punctuated_word":"paper","sentiment":"neutral","sentiment_score":-0.22334948182106015},{"word":"as","start":1526.405,"end":1526.645,"confidence":0.9990189,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1986512839794159},{"word":"to","start":1526.645,"end":1526.7251,"confidence":0.9997539,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15258246660232544},{"word":"what","start":1526.7251,"end":1526.885,"confidence":0.99991095,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.13124993443489075},{"word":"you","start":1526.885,"end":1527.045,"confidence":0.9998184,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09979882836341858},{"word":"think","start":1527.045,"end":1527.2051,"confidence":0.9978271,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.14943140745162964},{"word":"is","start":1527.2051,"end":1527.365,"confidence":0.7625444,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.16217738389968872},{"word":"gonna","start":1527.365,"end":1527.6051,"confidence":0.9897445,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.16326668858528137},{"word":"happen","start":1527.6051,"end":1528.1051,"confidence":0.9994504,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.0823749229311943},{"word":"because","start":1528.805,"end":1529.305,"confidence":0.82094383,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.0223894827067852},{"word":"you","start":1529.365,"end":1529.525,"confidence":0.99730957,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04732446372509003},{"word":"know","start":1529.525,"end":1529.94,"confidence":0.9975647,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.05516786873340607},{"word":"no","start":1530.4199,"end":1530.5,"confidence":0.99961424,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.1547781080007553},{"word":"one","start":1530.5,"end":1530.6599,"confidence":0.9998871,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.20139579474925995},{"word":"sort","start":1530.6599,"end":1530.8999,"confidence":0.99306184,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.20739291608333588},{"word":"of","start":1530.8999,"end":1531.0599,"confidence":0.9963032,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17402364313602448},{"word":"saw","start":1531.0599,"end":1531.3799,"confidence":0.9967423,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.1802693009376526},{"word":"the","start":1531.3799,"end":1531.7,"confidence":0.9352427,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1701289564371109},{"word":"the","start":1531.7,"end":1531.86,"confidence":0.9374002,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17181238532066345},{"word":"iran","start":1531.86,"end":1532.2599,"confidence":0.99274147,"punctuated_word":"Iran","sentiment":"neutral","sentiment_score":-0.14217408001422882},{"word":"and","start":1532.2599,"end":1532.58,"confidence":0.98948085,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.183879554271698},{"word":"venezuela","start":1532.58,"end":1533.08,"confidence":0.99373984,"punctuated_word":"Venezuela","sentiment":"neutral","sentiment_score":-0.15232126414775848},{"word":"thing","start":1533.1399,"end":1533.2999,"confidence":0.9657998,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.1391303539276123},{"word":"coming","start":1533.2999,"end":1533.5399,"confidence":0.99739516,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.1884322613477707},{"word":"sort","start":1533.5399,"end":1533.7,"confidence":0.9116962,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1577501893043518},{"word":"of","start":1533.7,"end":1533.74,"confidence":0.8880644,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.14459003508090973},{"word":"you","start":1533.74,"end":1533.7799,"confidence":0.99835616,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12276362627744676},{"word":"know","start":1533.7799,"end":1534.0199,"confidence":0.9988176,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.12400992959737778},{"word":"in","start":1534.0199,"end":1534.1,"confidence":0.5997155,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1364707499742508},{"word":"your","start":1534.1,"end":1534.1799,"confidence":0.9892105,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.10903581231832504},{"word":"bingo","start":1534.1799,"end":1534.58,"confidence":0.9784912,"punctuated_word":"bingo","sentiment":"neutral","sentiment_score":-0.08480112999677658},{"word":"card","start":1534.58,"end":1534.82,"confidence":0.9619775,"punctuated_word":"card","sentiment":"neutral","sentiment_score":-0.04755913466215134},{"word":"for","start":1534.82,"end":1534.98,"confidence":0.9948272,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1487654149532318},{"word":"the","start":1534.98,"end":1535.0599,"confidence":0.9991953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10634960234165192},{"word":"start","start":1535.0599,"end":1535.2999,"confidence":0.9980817,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.07038582861423492},{"word":"of","start":1535.2999,"end":1535.3799,"confidence":0.9951361,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0959688276052475},{"word":"2026","start":1535.3799,"end":1536.44,"confidence":0.99656075,"punctuated_word":"2026.","sentiment":"neutral","sentiment_score":-0.07228615880012512},{"word":"yep","start":1541.5399,"end":1542.0399,"confidence":0.9499557,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.020884735509753227},{"word":"as","start":1542.5,"end":1542.74,"confidence":0.50485873,"punctuated_word":"As","sentiment":"neutral","sentiment_score":-0.0006612744182348251},{"word":"i","start":1542.74,"end":1542.82,"confidence":0.8364899,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0026395563036203384},{"word":"said","start":1542.82,"end":1543.0599,"confidence":0.97033656,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.00027005095034837723},{"word":"like","start":1543.0599,"end":1543.5599,"confidence":0.9979964,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0008570011705160141},{"word":"yeah","start":1546.8049,"end":1547.3049,"confidence":0.81978023,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.030314218252897263},{"word":"and","start":1549.525,"end":1549.765,"confidence":0.9539809,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11761940270662308},{"word":"you'll","start":1549.765,"end":1550.005,"confidence":0.9118775,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.21992850303649905},{"word":"still","start":1550.005,"end":1550.325,"confidence":0.9998708,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2429828345775604},{"word":"have","start":1550.325,"end":1550.565,"confidence":0.9998424,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24311132729053497},{"word":"the","start":1550.565,"end":1550.645,"confidence":0.99930704,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23032741248607635},{"word":"same","start":1550.645,"end":1550.965,"confidence":0.9997123,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.2976221740245819},{"word":"allocation","start":1550.965,"end":1551.465,"confidence":0.9989831,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.2701154053211212},{"word":"to","start":1551.525,"end":1551.6849,"confidence":0.9462908,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.2635030746459961},{"word":"like","start":1551.6849,"end":1551.9249,"confidence":0.99769825,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.22286668419837952},{"word":"growth","start":1551.9249,"end":1552.245,"confidence":0.9851972,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.3054882287979126},{"word":"assets","start":1552.245,"end":1552.725,"confidence":0.9583913,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.24480485916137695},{"word":"you","start":1552.725,"end":1552.965,"confidence":0.99696165,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1017741560935974},{"word":"just","start":1552.965,"end":1553.205,"confidence":0.9962507,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08816864341497421},{"word":"won't","start":1553.205,"end":1553.445,"confidence":0.9995843,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.06761129945516586},{"word":"have","start":1553.445,"end":1553.765,"confidence":0.9247433,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.036966558545827866},{"word":"like","start":1553.765,"end":1553.9249,"confidence":0.99850905,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.025600548833608627},{"word":"an","start":1553.9249,"end":1554.085,"confidence":0.9997322,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.02427150309085846},{"word":"active","start":1554.085,"end":1554.485,"confidence":0.99981135,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.005527384579181671},{"word":"fund","start":1554.485,"end":1554.8049,"confidence":0.9977543,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.022259317338466644},{"word":"manager","start":1554.8049,"end":1555.285,"confidence":0.9994885,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":0.0473136380314827},{"word":"trying","start":1555.285,"end":1555.525,"confidence":0.9984518,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.04861316829919815},{"word":"to","start":1555.525,"end":1555.6849,"confidence":0.97596645,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.05324627831578255},{"word":"like","start":1555.6849,"end":1556.005,"confidence":0.9989219,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04963986575603485},{"word":"do","start":1556.005,"end":1556.165,"confidence":0.9943119,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0733068659901619},{"word":"buyers","start":1556.165,"end":1556.405,"confidence":0.4683715,"punctuated_word":"buyers","sentiment":"neutral","sentiment_score":0.11032475531101228},{"word":"and","start":1556.405,"end":1556.565,"confidence":0.88557476,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11836562305688858},{"word":"sales","start":1556.565,"end":1556.885,"confidence":0.7900298,"punctuated_word":"sales","sentiment":"neutral","sentiment_score":0.1084483414888382},{"word":"to","start":1556.885,"end":1557.0449,"confidence":0.9928093,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07354769110679626},{"word":"find","start":1557.0449,"end":1557.285,"confidence":0.99950314,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.09031518548727036},{"word":"value","start":1557.285,"end":1557.525,"confidence":0.99955326,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.08340257406234741},{"word":"in","start":1557.525,"end":1557.6849,"confidence":0.99922216,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0733005702495575},{"word":"the","start":1557.6849,"end":1557.765,"confidence":0.9985474,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019053209573030472},{"word":"market","start":1557.765,"end":1558.165,"confidence":0.9950988,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.049412764608860016},{"word":"it'll","start":1558.165,"end":1558.405,"confidence":0.99150336,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.04792509600520134},{"word":"just","start":1558.405,"end":1558.645,"confidence":0.9990957,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.043120671063661575},{"word":"track","start":1558.645,"end":1558.885,"confidence":0.9974239,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.03843642771244049},{"word":"what","start":1558.885,"end":1559.0449,"confidence":0.9951133,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03350679948925972},{"word":"the","start":1559.0449,"end":1559.205,"confidence":0.9930506,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04299398884177208},{"word":"market","start":1559.205,"end":1559.49,"confidence":0.7856455,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.035895295441150665},{"word":"themselves","start":1559.57,"end":1559.97,"confidence":0.99788684,"punctuated_word":"themselves","sentiment":"neutral","sentiment_score":0.042056869715452194},{"word":"are","start":1559.97,"end":1560.47,"confidence":0.9960879,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.014173852279782295},{"word":"doing","start":1561.53,"end":1562.03,"confidence":0.9943646,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":-0.07040254026651382},{"word":"perfect","start":1563.09,"end":1563.59,"confidence":0.82451236,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.478250116109848},{"word":"and","start":1565.09,"end":1565.25,"confidence":0.93123025,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19986945390701297},{"word":"then","start":1565.25,"end":1565.57,"confidence":0.9994124,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.15359078347682953},{"word":"with","start":1565.57,"end":1565.73,"confidence":0.98962736,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1834409385919571},{"word":"that","start":1565.73,"end":1565.97,"confidence":0.9996966,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1409086138010025},{"word":"there","start":1565.97,"end":1566.29,"confidence":0.97567284,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.10754379630088806},{"word":"that","start":1566.29,"end":1566.77,"confidence":0.94311666,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10270940512418748},{"word":"documents","start":1566.77,"end":1567.25,"confidence":0.513726,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.0879492461681366},{"word":"there","start":1567.25,"end":1567.49,"confidence":0.96754074,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.16312725841999054},{"word":"for","start":1567.49,"end":1567.65,"confidence":0.99149597,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15878096222877502},{"word":"you","start":1567.65,"end":1567.8099,"confidence":0.99976987,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16518455743789673},{"word":"to","start":1567.8099,"end":1567.97,"confidence":0.99779534,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14909957349300385},{"word":"review","start":1567.97,"end":1568.37,"confidence":0.9996038,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.12971580028533936},{"word":"just","start":1568.37,"end":1568.61,"confidence":0.6892252,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09264612197875977},{"word":"what","start":1568.61,"end":1568.85,"confidence":0.9943849,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0892694890499115},{"word":"did","start":1568.85,"end":1569.09,"confidence":0.984615,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.05737431347370148},{"word":"occur","start":1569.09,"end":1569.41,"confidence":0.98812175,"punctuated_word":"occur","sentiment":"neutral","sentiment_score":0.07810547947883606},{"word":"the","start":1569.41,"end":1569.57,"confidence":0.9491191,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06105067953467369},{"word":"last","start":1569.57,"end":1569.73,"confidence":0.9998536,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.04134387895464897},{"word":"twelve","start":1569.73,"end":1569.97,"confidence":0.9996718,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.05944707244634628},{"word":"months","start":1569.97,"end":1570.29,"confidence":0.9996377,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.05061757564544678},{"word":"there","start":1570.29,"end":1570.53,"confidence":0.9466725,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10406149923801422},{"word":"will","start":1570.53,"end":1570.69,"confidence":0.57637036,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07692673057317734},{"word":"just","start":1570.69,"end":1570.85,"confidence":0.99599,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1060868576169014},{"word":"be","start":1570.85,"end":1570.9299,"confidence":0.99882835,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07326873391866684},{"word":"going","start":1570.9299,"end":1571.17,"confidence":0.9992624,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.09334175288677216},{"word":"to","start":1571.17,"end":1571.33,"confidence":0.9982735,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09082677960395812},{"word":"danielmullins1@bigpond.com","start":1571.33,"end":1573.25,"confidence":0.8352385,"punctuated_word":"DanielMullins1@BigPond.com,","sentiment":"neutral","sentiment_score":0.10167659819126128},{"word":"if","start":1573.25,"end":1573.33,"confidence":0.87001437,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0937272608280182},{"word":"that's","start":1573.33,"end":1573.57,"confidence":0.9941927,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06057355925440788},{"word":"still","start":1573.57,"end":1573.73,"confidence":0.9943606,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.05188861861824989},{"word":"correct","start":1573.73,"end":1574.23,"confidence":0.84155655,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.09337667375802994},{"word":"perfect","start":1576.325,"end":1576.825,"confidence":0.9681055,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5010747909545898},{"word":"so","start":1577.205,"end":1577.365,"confidence":0.861945,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3843324780464173},{"word":"that'll","start":1577.365,"end":1577.6849,"confidence":0.9770115,"punctuated_word":"that'll","sentiment":"positive","sentiment_score":0.4131942689418793},{"word":"come","start":1577.6849,"end":1577.845,"confidence":0.99942833,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.47518613934516907},{"word":"through","start":1577.845,"end":1578.1649,"confidence":0.86003995,"punctuated_word":"through.","sentiment":"positive","sentiment_score":0.4349832236766815},{"word":"so","start":1578.1649,"end":1578.325,"confidence":0.99957925,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4072324931621551},{"word":"feel","start":1578.325,"end":1578.485,"confidence":0.9991603,"punctuated_word":"feel","sentiment":"positive","sentiment_score":0.3696519136428833},{"word":"free","start":1578.485,"end":1578.6449,"confidence":0.99971706,"punctuated_word":"free","sentiment":"positive","sentiment_score":0.4262919127941131},{"word":"to","start":1578.6449,"end":1578.8049,"confidence":0.9936947,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4301236867904663},{"word":"review","start":1578.8049,"end":1579.0449,"confidence":0.9819556,"punctuated_word":"review","sentiment":"positive","sentiment_score":0.3424038290977478},{"word":"that","start":1579.0449,"end":1579.365,"confidence":0.9994628,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4708283841609955},{"word":"and","start":1579.365,"end":1579.605,"confidence":0.63995606,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4176103472709656},{"word":"come","start":1579.605,"end":1579.7649,"confidence":0.9591516,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.45970863103866577},{"word":"back","start":1579.7649,"end":1579.9249,"confidence":0.99931455,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.4637645184993744},{"word":"with","start":1579.9249,"end":1580.085,"confidence":0.99968636,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4500252604484558},{"word":"any","start":1580.085,"end":1580.245,"confidence":0.99953246,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.4062313735485077},{"word":"questions","start":1580.245,"end":1580.6449,"confidence":0.9998436,"punctuated_word":"questions","sentiment":"positive","sentiment_score":0.37233561277389526},{"word":"you","start":1580.6449,"end":1580.8049,"confidence":0.9997658,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4333827793598175},{"word":"may","start":1580.8049,"end":1580.965,"confidence":0.9978073,"punctuated_word":"may","sentiment":"positive","sentiment_score":0.36187395453453064},{"word":"have","start":1580.965,"end":1581.205,"confidence":0.9998449,"punctuated_word":"have.","sentiment":"positive","sentiment_score":0.35185712575912476},{"word":"now","start":1581.205,"end":1581.445,"confidence":0.9997639,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04452819377183914},{"word":"the","start":1581.445,"end":1581.5249,"confidence":0.9944179,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.020159080624580383},{"word":"other","start":1581.5249,"end":1581.6849,"confidence":0.993407,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.009999807924032211},{"word":"thing","start":1581.6849,"end":1581.845,"confidence":0.9994363,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.022988248616456985},{"word":"i","start":1581.845,"end":1581.9249,"confidence":0.9901822,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0008208975195884705},{"word":"want","start":1581.9249,"end":1582.1649,"confidence":0.47968262,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.008003514260053635},{"word":"to","start":1582.1649,"end":1582.245,"confidence":0.9819895,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009255822747945786},{"word":"have","start":1582.245,"end":1582.325,"confidence":0.99118257,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.002448704093694687},{"word":"a","start":1582.325,"end":1582.4049,"confidence":0.85836124,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015135357156395912},{"word":"quick","start":1582.4049,"end":1582.565,"confidence":0.99948454,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.026027601212263107},{"word":"chat","start":1582.565,"end":1582.725,"confidence":0.99587965,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.033942896872758865},{"word":"about","start":1582.725,"end":1582.965,"confidence":0.99960047,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.01991724595427513},{"word":"is","start":1582.965,"end":1583.125,"confidence":0.99808514,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.004001900553703308},{"word":"that","start":1583.125,"end":1583.2849,"confidence":0.99932003,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.000696524977684021},{"word":"you've","start":1583.2849,"end":1583.445,"confidence":0.9994146,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.005411780904978514},{"word":"got","start":1583.445,"end":1583.945,"confidence":0.99960154,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.008607164025306702},{"word":"the","start":1584.1649,"end":1584.565,"confidence":0.9929894,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006657132878899574},{"word":"the","start":1584.565,"end":1584.8049,"confidence":0.9873634,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008502351120114326},{"word":"life","start":1584.8049,"end":1585.125,"confidence":0.9844326,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.013165034353733064},{"word":"and","start":1585.125,"end":1585.365,"confidence":0.941252,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02221382781863213},{"word":"tpd","start":1585.365,"end":1585.865,"confidence":0.97052467,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.01339644379913807},{"word":"portion","start":1586.085,"end":1586.585,"confidence":0.8613819,"punctuated_word":"portion.","sentiment":"neutral","sentiment_score":-0.01612183451652527},{"word":"with","start":1586.8049,"end":1587.0449,"confidence":0.99159676,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.05675522983074188},{"word":"your","start":1587.0449,"end":1587.205,"confidence":0.9979138,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06315401196479797},{"word":"insurances","start":1587.205,"end":1587.705,"confidence":0.99906635,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":-0.06996777653694153},{"word":"you","start":1587.845,"end":1587.9249,"confidence":0.9995758,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08869943767786026},{"word":"don't","start":1587.9249,"end":1588.1649,"confidence":0.9999286,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07304857671260834},{"word":"currently","start":1588.1649,"end":1588.565,"confidence":0.99760854,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.14083510637283325},{"word":"hold","start":1588.565,"end":1588.725,"confidence":0.9994659,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.09503811597824097},{"word":"any","start":1588.725,"end":1588.965,"confidence":0.99933916,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.10119827836751938},{"word":"income","start":1588.965,"end":1589.205,"confidence":0.99963725,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.13165432214736938},{"word":"protection","start":1589.205,"end":1589.705,"confidence":0.99851805,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.08365312218666077},{"word":"or","start":1589.7649,"end":1590.005,"confidence":0.93877876,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":-0.14352494478225708},{"word":"like","start":1590.005,"end":1590.3,"confidence":0.99832344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.13105273246765137},{"word":"trauma","start":1590.38,"end":1590.78,"confidence":0.97378856,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.18310870230197904},{"word":"insurance","start":1590.78,"end":1591.28,"confidence":0.88079464,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":-0.08254535496234894},{"word":"now","start":1592.2201,"end":1592.38,"confidence":0.9868001,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.024637816473841667},{"word":"given","start":1592.38,"end":1592.7001,"confidence":0.92694145,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.025965839624404907},{"word":"that","start":1592.7001,"end":1592.8601,"confidence":0.99898666,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.022929485887289047},{"word":"you","start":1592.8601,"end":1593.3601,"confidence":0.99701166,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.026204336434602737},{"word":"have","start":1598.3,"end":1598.38,"confidence":0.9889748,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04273759946227074},{"word":"through","start":1598.62,"end":1598.8601,"confidence":0.72095233,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.03913335874676704},{"word":"business","start":1598.8601,"end":1599.3601,"confidence":0.67773294,"punctuated_word":"business.","sentiment":"neutral","sentiment_score":-0.024694282561540604},{"word":"yep","start":1606.875,"end":1607.115,"confidence":0.9669002,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0032208003103733063},{"word":"is","start":1607.115,"end":1607.2749,"confidence":0.9870569,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.0193386971950531},{"word":"it","start":1607.2749,"end":1607.355,"confidence":0.9976411,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.016632530838251114},{"word":"like","start":1607.355,"end":1607.595,"confidence":0.7889916,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.014123696833848952},{"word":"a","start":1607.595,"end":1607.6749,"confidence":0.9941223,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.011693725362420082},{"word":"key","start":1607.6749,"end":1607.995,"confidence":0.99449253,"punctuated_word":"key","sentiment":"neutral","sentiment_score":-0.03331104293465614},{"word":"person's","start":1607.995,"end":1608.475,"confidence":0.9811574,"punctuated_word":"person's","sentiment":"neutral","sentiment_score":-0.015054434537887572},{"word":"business","start":1608.475,"end":1608.875,"confidence":0.99793077,"punctuated_word":"business","sentiment":"neutral","sentiment_score":-0.02828691527247429},{"word":"insurance","start":1608.875,"end":1609.355,"confidence":0.81477964,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":-0.031301118433475494},{"word":"or","start":1609.355,"end":1609.5149,"confidence":0.9997472,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04367542639374733},{"word":"is","start":1609.5149,"end":1609.6749,"confidence":0.99951506,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.030734729021787643},{"word":"it","start":1609.6749,"end":1609.835,"confidence":0.9997162,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02593011036515236},{"word":"like","start":1609.835,"end":1609.995,"confidence":0.95626324,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.02206689491868019},{"word":"an","start":1609.995,"end":1610.075,"confidence":0.9969934,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.023396596312522888},{"word":"actual","start":1610.075,"end":1610.475,"confidence":0.9993237,"punctuated_word":"actual","sentiment":"neutral","sentiment_score":-0.024729110300540924},{"word":"income","start":1610.475,"end":1610.715,"confidence":0.99858725,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.03175867721438408},{"word":"protection","start":1610.715,"end":1611.195,"confidence":0.99885225,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.029789019376039505},{"word":"policy","start":1611.195,"end":1611.695,"confidence":0.9993341,"punctuated_word":"policy?","sentiment":"neutral","sentiment_score":-0.03503940999507904},{"word":"okay","start":1618.1699,"end":1618.6699,"confidence":0.96342933,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.017320310696959496},{"word":"that's","start":1628.745,"end":1628.985,"confidence":0.628914,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.05747048184275627},{"word":"how","start":1628.985,"end":1629.065,"confidence":0.5516603,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.08831841498613358},{"word":"long","start":1629.065,"end":1629.225,"confidence":0.5325408,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.07331777364015579},{"word":"it","start":1629.225,"end":1629.385,"confidence":0.86739326,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06416373699903488},{"word":"will","start":1629.385,"end":1629.5449,"confidence":0.8637693,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.09280936419963837},{"word":"last","start":1629.5449,"end":1629.865,"confidence":0.99892384,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.07096461206674576},{"word":"through","start":1629.865,"end":1630.105,"confidence":0.717765,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.07406709343194962},{"word":"to","start":1630.105,"end":1630.605,"confidence":0.5031084,"punctuated_word":"to?","sentiment":"neutral","sentiment_score":-0.061796270310878754},{"word":"yep","start":1635.465,"end":1635.965,"confidence":0.9722423,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.003105985000729561},{"word":"and","start":1636.4249,"end":1636.9249,"confidence":0.9967424,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.007755551487207413},{"word":"are","start":1637.3049,"end":1637.465,"confidence":0.985552,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.02470756322145462},{"word":"your","start":1637.465,"end":1637.705,"confidence":0.99425733,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.035350508987903595},{"word":"insurances","start":1637.705,"end":1638.205,"confidence":0.97496974,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.038814425468444824},{"word":"something","start":1638.265,"end":1638.585,"confidence":0.75830543,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.02394384518265724},{"word":"that","start":1638.585,"end":1638.745,"confidence":0.99875927,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.007569584995508194},{"word":"you","start":1638.745,"end":1638.905,"confidence":0.9997111,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0054388269782066345},{"word":"wanna","start":1638.905,"end":1639.225,"confidence":0.909986,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.015243858098983765},{"word":"review","start":1639.225,"end":1639.625,"confidence":0.9840044,"punctuated_word":"review?","sentiment":"neutral","sentiment_score":-0.013719674199819565},{"word":"because","start":1639.625,"end":1639.945,"confidence":0.7698285,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":-0.05353548377752304},{"word":"obviously","start":1639.945,"end":1640.345,"confidence":0.99836063,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.06140250712633133},{"word":"at","start":1640.345,"end":1640.505,"confidence":0.99932957,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0940570905804634},{"word":"the","start":1640.505,"end":1640.585,"confidence":0.9998018,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07814595103263855},{"word":"moment","start":1640.585,"end":1640.985,"confidence":0.9657993,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.08570197224617004},{"word":"your","start":1640.985,"end":1641.39,"confidence":0.90709955,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.12521734833717346},{"word":"death","start":1641.39,"end":1641.63,"confidence":0.9124917,"punctuated_word":"death","sentiment":"neutral","sentiment_score":-0.11619746685028076},{"word":"and","start":1641.63,"end":1641.79,"confidence":0.8989243,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15560175478458405},{"word":"total","start":1641.79,"end":1642.03,"confidence":0.9692467,"punctuated_word":"total","sentiment":"neutral","sentiment_score":-0.17835450172424316},{"word":"parent","start":1642.03,"end":1642.35,"confidence":0.38747516,"punctuated_word":"parent","sentiment":"neutral","sentiment_score":-0.15090098977088928},{"word":"dispute","start":1642.35,"end":1642.67,"confidence":0.8303763,"punctuated_word":"dispute","sentiment":"neutral","sentiment_score":-0.11454126983880995},{"word":"at","start":1642.67,"end":1642.75,"confidence":0.957481,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1271420568227768},{"word":"the","start":1642.75,"end":1642.91,"confidence":0.9993661,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10980291664600372},{"word":"moment","start":1642.91,"end":1643.23,"confidence":0.98447126,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.09860976785421371},{"word":"they","start":1643.23,"end":1643.39,"confidence":0.9995395,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.09680095314979552},{"word":"cover","start":1643.39,"end":1643.87,"confidence":0.9941219,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":-0.08519904315471649},{"word":"you","start":1643.87,"end":1644.03,"confidence":0.9998252,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09701944887638092},{"word":"know","start":1644.03,"end":1644.35,"confidence":0.99979556,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.07541321218013763},{"word":"for","start":1644.35,"end":1644.59,"confidence":0.99991083,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09630095213651656},{"word":"about","start":1644.59,"end":1644.99,"confidence":0.9840008,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":-0.093517005443573},{"word":"like","start":1644.99,"end":1645.49,"confidence":0.9962485,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0934763178229332},{"word":"a","start":1645.87,"end":1645.9501,"confidence":0.76234084,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0878157690167427},{"word":"bit","start":1645.9501,"end":1646.11,"confidence":0.9991358,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08503736555576324},{"word":"over","start":1646.11,"end":1646.51,"confidence":0.9992538,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.11556436121463776},{"word":"half","start":1646.51,"end":1646.75,"confidence":0.99952245,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.07791139930486679},{"word":"of","start":1646.75,"end":1646.99,"confidence":0.98499084,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.09003075957298279},{"word":"like","start":1646.99,"end":1647.23,"confidence":0.9990695,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.09190285205841064},{"word":"your","start":1647.23,"end":1647.39,"confidence":0.99892694,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.09522388875484468},{"word":"current","start":1647.39,"end":1647.71,"confidence":0.9994429,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.1189805269241333},{"word":"mortgage","start":1647.71,"end":1648.21,"confidence":0.9998988,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.07019995152950287},{"word":"debt","start":1648.35,"end":1648.85,"confidence":0.85405266,"punctuated_word":"debt.","sentiment":"neutral","sentiment_score":-0.07471831887960434},{"word":"okay","start":1650.11,"end":1650.61,"confidence":0.8113446,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.05645489692687988},{"word":"and","start":1650.83,"end":1650.99,"confidence":0.91200817,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.09938667714595796},{"word":"you","start":1650.99,"end":1651.15,"confidence":0.99618006,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16007401049137115},{"word":"don't","start":1651.15,"end":1651.39,"confidence":0.9995152,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13301509618759155},{"word":"like","start":1651.47,"end":1651.63,"confidence":0.9968645,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.13348139822483063},{"word":"obviously","start":1651.63,"end":1651.79,"confidence":0.98980975,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.1490403413772583},{"word":"you","start":1651.79,"end":1651.9501,"confidence":0.75614554,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17278869450092316},{"word":"have","start":1651.9501,"end":1652.11,"confidence":0.98020315,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.17942370474338531},{"word":"the","start":1652.11,"end":1652.1901,"confidence":0.99474525,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18390044569969177},{"word":"income","start":1652.1901,"end":1652.43,"confidence":0.9906996,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.16974768042564392},{"word":"protection","start":1652.43,"end":1652.83,"confidence":0.998486,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.11710011214017868},{"word":"policy","start":1652.83,"end":1653.23,"confidence":0.99959713,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.16352605819702148},{"word":"with","start":1653.23,"end":1653.39,"confidence":0.9998404,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.17435070872306824},{"word":"us","start":1653.39,"end":1653.71,"confidence":0.99971384,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.13571101427078247},{"word":"or","start":1653.71,"end":1653.9501,"confidence":0.96541744,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1573885679244995},{"word":"the","start":1653.9501,"end":1654.4501,"confidence":0.9988833,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1879952847957611},{"word":"trauma","start":1654.915,"end":1655.155,"confidence":0.9965055,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.228198304772377},{"word":"insurance","start":1655.155,"end":1655.555,"confidence":0.89065564,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":-0.13310754299163818},{"word":"which","start":1655.555,"end":1655.635,"confidence":0.98038644,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.15598711371421814},{"word":"is","start":1655.635,"end":1655.875,"confidence":0.7400887,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.13007156550884247},{"word":"like","start":1655.875,"end":1655.955,"confidence":0.99891806,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.10642169415950777},{"word":"an","start":1655.955,"end":1656.1951,"confidence":0.96573514,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.08618074655532837},{"word":"outside","start":1656.1951,"end":1656.515,"confidence":0.97903526,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.11870447546243668},{"word":"super","start":1656.515,"end":1656.915,"confidence":0.9631539,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.12038810551166534},{"word":"insurance","start":1656.915,"end":1657.3151,"confidence":0.919311,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.04492031782865524},{"word":"in","start":1657.3151,"end":1657.475,"confidence":0.97659653,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.031411271542310715},{"word":"the","start":1657.475,"end":1657.555,"confidence":0.99921787,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04293893277645111},{"word":"event","start":1657.555,"end":1657.795,"confidence":0.9995561,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.04048876464366913},{"word":"that","start":1657.795,"end":1657.955,"confidence":0.9991911,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009745461866259577},{"word":"anything","start":1657.955,"end":1658.275,"confidence":0.99379444,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.06213349476456642},{"word":"needs","start":1658.275,"end":1658.515,"confidence":0.4521689,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":-0.13941508531570437},{"word":"to","start":1658.515,"end":1658.675,"confidence":0.96980804,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1328349411487579},{"word":"happen","start":1658.675,"end":1659.175,"confidence":0.7530527,"punctuated_word":"happen,","sentiment":"neutral","sentiment_score":-0.10193760693073271},{"word":"but","start":1659.875,"end":1660.115,"confidence":0.7173977,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.09061135351657867},{"word":"like","start":1660.115,"end":1660.435,"confidence":0.9983224,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.12461010366678238},{"word":"strokes","start":1660.435,"end":1660.755,"confidence":0.9961804,"punctuated_word":"strokes,","sentiment":"neutral","sentiment_score":-0.11265745759010316},{"word":"heart","start":1660.755,"end":1660.995,"confidence":0.99923635,"punctuated_word":"heart","sentiment":"neutral","sentiment_score":-0.11217857897281648},{"word":"attacks","start":1660.995,"end":1661.3151,"confidence":0.9782331,"punctuated_word":"attacks,","sentiment":"neutral","sentiment_score":-0.11180521547794342},{"word":"things","start":1661.3151,"end":1661.475,"confidence":0.9992532,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.13549892604351044},{"word":"like","start":1661.475,"end":1661.715,"confidence":0.99915254,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.11900945007801056},{"word":"that","start":1661.715,"end":1662.215,"confidence":0.8485744,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.10850445926189424},{"word":"is","start":1662.275,"end":1662.355,"confidence":0.93346465,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.020380742847919464},{"word":"this","start":1662.355,"end":1662.515,"confidence":0.7149426,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.012642726302146912},{"word":"something","start":1662.515,"end":1662.835,"confidence":0.9953661,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.02978472411632538},{"word":"you","start":1662.835,"end":1662.995,"confidence":0.9963091,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.008457303047180176},{"word":"wanna","start":1662.995,"end":1663.475,"confidence":0.52932537,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.019249681383371353},{"word":"look","start":1663.475,"end":1663.715,"confidence":0.99934775,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.005361199378967285},{"word":"at","start":1663.715,"end":1663.955,"confidence":0.99982136,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02501782774925232},{"word":"reviewing","start":1663.955,"end":1664.435,"confidence":0.9973385,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.038531094789505005},{"word":"and","start":1664.435,"end":1664.595,"confidence":0.9937297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04585166275501251},{"word":"going","start":1664.595,"end":1664.835,"confidence":0.9906589,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.05054875463247299},{"word":"through","start":1664.835,"end":1664.995,"confidence":0.62425846,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.020804964005947113},{"word":"the","start":1664.995,"end":1665.0751,"confidence":0.99901855,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0386505126953125},{"word":"pre","start":1665.0751,"end":1665.3151,"confidence":0.97463,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.08488301932811737},{"word":"assessment","start":1665.3151,"end":1665.715,"confidence":0.9240288,"punctuated_word":"assessment","sentiment":"neutral","sentiment_score":0.01603613793849945},{"word":"process","start":1665.715,"end":1666.115,"confidence":0.9996774,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.03575846925377846},{"word":"to","start":1666.115,"end":1666.275,"confidence":0.997424,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03740151971578598},{"word":"be","start":1666.275,"end":1666.435,"confidence":0.9988071,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.031026318669319153},{"word":"out","start":1666.435,"end":1666.595,"confidence":0.65998054,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.05328775197267532},{"word":"of","start":1666.595,"end":1666.755,"confidence":0.9409539,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009107515215873718},{"word":"sort","start":1666.755,"end":1666.915,"confidence":0.5105298,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.04155336320400238},{"word":"of","start":1666.915,"end":1667.0751,"confidence":0.8352952,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01997534930706024},{"word":"review","start":1667.0751,"end":1667.395,"confidence":0.99705553,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.03687260299921036},{"word":"those","start":1667.395,"end":1667.555,"confidence":0.9975206,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.034639179706573486},{"word":"insurances","start":1667.555,"end":1668.055,"confidence":0.79925126,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":-0.04064559191465378},{"word":"giving","start":1668.1951,"end":1668.435,"confidence":0.74091,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":-0.049788616597652435},{"word":"you","start":1668.435,"end":1668.595,"confidence":0.98474413,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.015852637588977814},{"word":"a","start":1668.595,"end":1668.675,"confidence":0.60263556,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.014952171593904495},{"word":"new","start":1668.675,"end":1668.835,"confidence":0.9998319,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.0011953860521316528},{"word":"level","start":1668.835,"end":1669.0751,"confidence":0.9999478,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.002358078956604004},{"word":"of","start":1669.0751,"end":1669.235,"confidence":0.9995864,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.021075546741485596},{"word":"debt","start":1669.235,"end":1669.555,"confidence":0.954263,"punctuated_word":"debt?","sentiment":"neutral","sentiment_score":-0.043992191553115845},{"word":"or","start":1669.555,"end":1670.055,"confidence":0.9848359,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.0524895004928112},{"word":"yeah","start":1679.62,"end":1680.02,"confidence":0.9596261,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.05669523775577545},{"word":"obviously","start":1680.02,"end":1680.52,"confidence":0.99503183,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.08932140469551086},{"word":"it","start":1680.66,"end":1680.82,"confidence":0.8213907,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.10231661051511765},{"word":"like","start":1680.82,"end":1681.22,"confidence":0.96074486,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.05363447964191437},{"word":"it","start":1681.22,"end":1681.46,"confidence":0.99908316,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04366882145404816},{"word":"comes","start":1681.46,"end":1681.78,"confidence":0.99937433,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.011300832033157349},{"word":"down","start":1681.78,"end":1682.02,"confidence":0.9995567,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0065338462591171265},{"word":"to","start":1682.02,"end":1682.1799,"confidence":0.983443,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.024703532457351685},{"word":"like","start":1682.1799,"end":1682.34,"confidence":0.9996356,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.044725202023983},{"word":"what","start":1682.34,"end":1682.5,"confidence":0.99989605,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08155456185340881},{"word":"you're","start":1682.5,"end":1682.66,"confidence":0.9930885,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.06168399751186371},{"word":"comfortable","start":1682.66,"end":1683.0599,"confidence":0.99978536,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.09034552425146104},{"word":"with","start":1683.0599,"end":1683.2999,"confidence":0.9915632,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":-0.10105901956558228},{"word":"obviously","start":1683.2999,"end":1683.7,"confidence":0.99701524,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.08144944906234741},{"word":"if","start":1683.7,"end":1683.86,"confidence":0.99955124,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1212313547730446},{"word":"your","start":1683.86,"end":1684.1,"confidence":0.9940599,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.17896902561187744},{"word":"partner","start":1684.1,"end":1684.4199,"confidence":0.9976382,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":-0.18833550810813904},{"word":"is","start":1684.4199,"end":1684.58,"confidence":0.8170799,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1530614197254181},{"word":"still","start":1684.58,"end":1684.82,"confidence":0.99981564,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.1655901074409485},{"word":"working","start":1684.82,"end":1685.14,"confidence":0.99992645,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.07861009985208511},{"word":"as","start":1685.14,"end":1685.445,"confidence":0.999652,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.09811238944530488},{"word":"well","start":1685.5249,"end":1685.6849,"confidence":0.99998426,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.09098850935697556},{"word":"and","start":1685.6849,"end":1685.9249,"confidence":0.85349315,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02577446401119232},{"word":"she's","start":1685.9249,"end":1686.085,"confidence":0.9981252,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.03506595641374588},{"word":"able","start":1686.085,"end":1686.4049,"confidence":0.9997434,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.025348473340272903},{"word":"to","start":1686.4049,"end":1686.485,"confidence":0.99953127,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0026956796646118164},{"word":"cover","start":1686.485,"end":1686.725,"confidence":0.97489715,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":-0.08203840255737305},{"word":"like","start":1686.725,"end":1686.965,"confidence":0.9991859,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.08022065460681915},{"word":"her","start":1686.965,"end":1687.2849,"confidence":0.9981275,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.21007117629051208},{"word":"half","start":1687.2849,"end":1687.445,"confidence":0.9992155,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.12039103358983994},{"word":"of","start":1687.445,"end":1687.605,"confidence":0.99953175,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14864520728588104},{"word":"the","start":1687.605,"end":1687.7649,"confidence":0.9993131,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1078038290143013},{"word":"debt","start":1687.7649,"end":1688.005,"confidence":0.84094006,"punctuated_word":"debt,","sentiment":"neutral","sentiment_score":-0.1388542652130127},{"word":"if","start":1688.005,"end":1688.1649,"confidence":0.7259556,"punctuated_word":"if,","sentiment":"neutral","sentiment_score":-0.19717690348625183},{"word":"like","start":1688.1649,"end":1688.325,"confidence":0.9906987,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.18927502632141113},{"word":"were","start":1688.325,"end":1688.565,"confidence":0.7827316,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.17964473366737366},{"word":"to","start":1688.565,"end":1688.6449,"confidence":0.9953532,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24707448482513428},{"word":"go","start":1688.6449,"end":1688.8049,"confidence":0.999158,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.29253482818603516},{"word":"wrong","start":1688.8049,"end":1689.125,"confidence":0.9678767,"punctuated_word":"wrong,","sentiment":"neutral","sentiment_score":-0.2578716278076172},{"word":"it","start":1689.125,"end":1689.2849,"confidence":0.99842536,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.275739461183548},{"word":"just","start":1689.2849,"end":1689.445,"confidence":0.9990758,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.21512404084205627},{"word":"means","start":1689.445,"end":1689.6849,"confidence":0.99978155,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.2787040174007416},{"word":"that","start":1689.6849,"end":1690.1849,"confidence":0.9952618,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2093635052442551},{"word":"worst","start":1690.245,"end":1690.485,"confidence":0.7655186,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":-0.26734715700149536},{"word":"case","start":1690.485,"end":1690.8049,"confidence":0.9994517,"punctuated_word":"case","sentiment":"neutral","sentiment_score":-0.23006407916545868},{"word":"scenario","start":1690.8049,"end":1691.0449,"confidence":0.9055449,"punctuated_word":"scenario,","sentiment":"neutral","sentiment_score":-0.1451382339000702},{"word":"if","start":1691.0449,"end":1691.125,"confidence":0.57194793,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1686181128025055},{"word":"something","start":1691.125,"end":1691.365,"confidence":0.92541784,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.2421439290046692},{"word":"did","start":1691.365,"end":1691.605,"confidence":0.99374795,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.1915006935596466},{"word":"happen","start":1691.605,"end":1691.845,"confidence":0.974396,"punctuated_word":"happen","sentiment":"negative","sentiment_score":-0.33747729659080505},{"word":"to","start":1691.845,"end":1692.005,"confidence":0.9737161,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3710367679595947},{"word":"you","start":1692.005,"end":1692.085,"confidence":0.9743819,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3644960522651672},{"word":"and","start":1692.085,"end":1692.1649,"confidence":0.59595716,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.28407466411590576},{"word":"you're","start":1692.1649,"end":1692.325,"confidence":0.9605823,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.3388192653656006},{"word":"unable","start":1692.325,"end":1692.725,"confidence":0.9977112,"punctuated_word":"unable","sentiment":"negative","sentiment_score":-0.41438451409339905},{"word":"to","start":1692.725,"end":1692.8049,"confidence":0.99954104,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4380955994129181},{"word":"work","start":1692.8049,"end":1693.0449,"confidence":0.99988294,"punctuated_word":"work","sentiment":"negative","sentiment_score":-0.3954955041408539},{"word":"and","start":1693.0449,"end":1693.125,"confidence":0.8911998,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3358921706676483},{"word":"you","start":1693.125,"end":1693.2849,"confidence":0.99974877,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3670850098133087},{"word":"are","start":1693.2849,"end":1693.445,"confidence":0.99616635,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.388241171836853},{"word":"totally","start":1693.445,"end":1693.845,"confidence":0.9799162,"punctuated_word":"totally","sentiment":"negative","sentiment_score":-0.4626134932041168},{"word":"permanently","start":1693.845,"end":1694.245,"confidence":0.89366186,"punctuated_word":"permanently","sentiment":"negative","sentiment_score":-0.46296218037605286},{"word":"disabled","start":1694.245,"end":1694.745,"confidence":0.9943627,"punctuated_word":"disabled,","sentiment":"neutral","sentiment_score":-0.31448593735694885},{"word":"you","start":1695.125,"end":1695.2849,"confidence":0.9994611,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.26799318194389343},{"word":"would","start":1695.2849,"end":1695.605,"confidence":0.99934405,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.234462171792984},{"word":"be","start":1695.605,"end":1695.7649,"confidence":0.9969175,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2327781766653061},{"word":"able","start":1695.7649,"end":1695.9249,"confidence":0.9664108,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.0951978787779808},{"word":"to","start":1695.9249,"end":1696.085,"confidence":0.9864261,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08437325060367584},{"word":"pay","start":1696.085,"end":1696.1649,"confidence":0.99004436,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.016818851232528687},{"word":"off","start":1696.1649,"end":1696.4049,"confidence":0.99720794,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.02009706199169159},{"word":"about","start":1696.4049,"end":1696.725,"confidence":0.975277,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08702205866575241},{"word":"half","start":1696.725,"end":1696.965,"confidence":0.9993963,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.17688757181167605},{"word":"the","start":1696.965,"end":1697.125,"confidence":0.9789874,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0997496247291565},{"word":"mortgage","start":1697.125,"end":1697.52,"confidence":0.9642209,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":0.13715983927249908},{"word":"but","start":1697.52,"end":1697.68,"confidence":0.99589133,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.032328687608242035},{"word":"when","start":1697.68,"end":1697.84,"confidence":0.9993649,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.03904047608375549},{"word":"it","start":1697.84,"end":1697.92,"confidence":0.9998093,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02119532972574234},{"word":"comes","start":1697.92,"end":1698.0,"confidence":0.9998209,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.06070903688669205},{"word":"to","start":1698.0,"end":1698.24,"confidence":0.99776626,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08494077622890472},{"word":"anything","start":1698.24,"end":1698.74,"confidence":0.9997322,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.07460358738899231},{"word":"far","start":1698.8,"end":1699.12,"confidence":0.3417876,"punctuated_word":"far","sentiment":"neutral","sentiment_score":-0.11966241896152496},{"word":"that","start":1699.12,"end":1699.36,"confidence":0.88673955,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.1340959072113037},{"word":"you'd","start":1699.36,"end":1699.6,"confidence":0.99187684,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.13952535390853882},{"word":"probably","start":1699.6,"end":1699.84,"confidence":0.9993554,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.14099326729774475},{"word":"have","start":1699.84,"end":1699.96,"confidence":0.99943286,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.14825502038002014},{"word":"to","start":1699.96,"end":1700.0801,"confidence":0.9996965,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07876767218112946},{"word":"look","start":1700.0801,"end":1700.24,"confidence":0.9997459,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.06919518113136292},{"word":"at","start":1700.24,"end":1700.4,"confidence":0.9948519,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07593043893575668},{"word":"either","start":1700.4,"end":1700.64,"confidence":0.95449543,"punctuated_word":"either,","sentiment":"neutral","sentiment_score":-0.07783611118793488},{"word":"you","start":1700.64,"end":1700.72,"confidence":0.99976987,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04587327688932419},{"word":"know","start":1700.72,"end":1701.04,"confidence":0.99922115,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.04512818157672882},{"word":"relying","start":1701.04,"end":1701.36,"confidence":0.9987465,"punctuated_word":"relying","sentiment":"neutral","sentiment_score":-0.048149507492780685},{"word":"on","start":1701.36,"end":1701.52,"confidence":0.99983776,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.02573349326848984},{"word":"your","start":1701.52,"end":1701.68,"confidence":0.9982054,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.027872689068317413},{"word":"investment","start":1701.68,"end":1702.16,"confidence":0.99845254,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.011094421148300173},{"word":"property","start":1702.16,"end":1702.48,"confidence":0.9942297,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.0021716877818107605},{"word":"income","start":1702.48,"end":1702.98,"confidence":0.99342346,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.02115945890545845},{"word":"government","start":1703.2001,"end":1703.6,"confidence":0.9978522,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.06627567857503891},{"word":"assistance","start":1703.6,"end":1704.0,"confidence":0.49573275,"punctuated_word":"assistance","sentiment":"neutral","sentiment_score":0.03171873092651367},{"word":"programs","start":1704.0,"end":1704.4,"confidence":0.9942882,"punctuated_word":"programs","sentiment":"neutral","sentiment_score":0.02879156917333603},{"word":"that","start":1704.4,"end":1704.56,"confidence":0.9851157,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03542400896549225},{"word":"you're","start":1704.56,"end":1704.72,"confidence":0.9920743,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0037687718868255615},{"word":"eligible","start":1704.72,"end":1705.04,"confidence":0.9997669,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.05141427367925644},{"word":"for","start":1705.04,"end":1705.36,"confidence":0.98389095,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.042738139629364014},{"word":"things","start":1705.36,"end":1705.6,"confidence":0.99636,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.019335605204105377},{"word":"like","start":1705.6,"end":1705.76,"confidence":0.99918395,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.06532406061887741},{"word":"that","start":1705.76,"end":1706.0,"confidence":0.99934775,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01846963167190552},{"word":"as","start":1706.0,"end":1706.0801,"confidence":0.99930525,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06528855115175247},{"word":"well","start":1706.0801,"end":1706.5801,"confidence":0.99936235,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.05682028830051422},{"word":"if","start":1707.84,"end":1708.16,"confidence":0.6819369,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.036327119916677475},{"word":"you","start":1708.16,"end":1708.24,"confidence":0.9976063,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09900793433189392},{"word":"could","start":1708.24,"end":1708.56,"confidence":0.9979152,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.13420957326889038},{"word":"yeah","start":1712.975,"end":1713.215,"confidence":0.9456549,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.03533192723989487},{"word":"that","start":1713.215,"end":1713.295,"confidence":0.4801198,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.030174188315868378},{"word":"yeah","start":1714.095,"end":1714.415,"confidence":0.9846988,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.04702121019363403},{"word":"if","start":1714.415,"end":1714.495,"confidence":0.9455681,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.0910693034529686},{"word":"you","start":1714.495,"end":1714.655,"confidence":0.9954111,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10207217186689375},{"word":"increase","start":1714.655,"end":1715.055,"confidence":0.981089,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.03632859140634537},{"word":"the","start":1715.055,"end":1715.215,"confidence":0.87706053,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06815195828676224},{"word":"sum","start":1715.215,"end":1715.455,"confidence":0.9718292,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":-0.02562197297811508},{"word":"insured","start":1715.455,"end":1715.775,"confidence":0.9540981,"punctuated_word":"insured,","sentiment":"neutral","sentiment_score":-0.0489569827914238},{"word":"obviously","start":1715.775,"end":1716.095,"confidence":0.96432257,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.07945631444454193},{"word":"it","start":1716.095,"end":1716.175,"confidence":0.8640874,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07807644456624985},{"word":"does","start":1716.175,"end":1716.335,"confidence":0.99823666,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.05818357318639755},{"word":"go","start":1716.335,"end":1716.495,"confidence":0.9992754,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.06195040047168732},{"word":"up","start":1716.495,"end":1716.655,"confidence":0.99592733,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.07912299782037735},{"word":"at","start":1716.655,"end":1716.8151,"confidence":0.98907787,"punctuated_word":"At","sentiment":"neutral","sentiment_score":-0.12053734064102171},{"word":"the","start":1716.8151,"end":1716.895,"confidence":0.99977034,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1078605204820633},{"word":"moment","start":1716.895,"end":1717.215,"confidence":0.992493,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.11481349170207976},{"word":"you're","start":1717.215,"end":1717.375,"confidence":0.9994614,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.09558285772800446},{"word":"only","start":1717.375,"end":1717.615,"confidence":0.99945134,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.1338236778974533},{"word":"paying","start":1717.615,"end":1717.935,"confidence":0.99972934,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.11254914849996568},{"word":"around","start":1717.935,"end":1718.255,"confidence":0.9987412,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.06703824549913406},{"word":"1,100","start":1718.255,"end":1719.155,"confidence":0.9987235,"punctuated_word":"1,100","sentiment":"neutral","sentiment_score":-0.03748110681772232},{"word":"per","start":1719.6951,"end":1719.935,"confidence":0.9812136,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.07219914346933365},{"word":"annum","start":1719.935,"end":1720.435,"confidence":0.9885704,"punctuated_word":"annum","sentiment":"neutral","sentiment_score":-0.0560869500041008},{"word":"in","start":1721.295,"end":1721.455,"confidence":0.84990144,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07346418499946594},{"word":"terms","start":1721.455,"end":1721.775,"confidence":0.9997155,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.06332390755414963},{"word":"of","start":1721.775,"end":1721.935,"confidence":0.8567953,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.16314920783042908},{"word":"like","start":1721.935,"end":1722.18,"confidence":0.99721617,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.16655537486076355},{"word":"insurance","start":1722.26,"end":1722.66,"confidence":0.621958,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.2370596379041672},{"word":"cost","start":1722.66,"end":1722.9,"confidence":0.56203777,"punctuated_word":"cost,","sentiment":"neutral","sentiment_score":-0.2503296434879303},{"word":"so","start":1722.9,"end":1723.14,"confidence":0.99363047,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.23554085195064545},{"word":"it's","start":1723.14,"end":1723.3,"confidence":0.99644095,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.269010990858078},{"word":"not","start":1723.3,"end":1723.54,"confidence":0.9999188,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.30230242013931274},{"word":"very","start":1723.54,"end":1723.7001,"confidence":0.9997787,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.3592081069946289},{"word":"high","start":1723.7001,"end":1724.2001,"confidence":0.98712564,"punctuated_word":"high.","sentiment":"neutral","sentiment_score":-0.2817075252532959},{"word":"you","start":1724.3401,"end":1724.5,"confidence":0.972667,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.17479756474494934},{"word":"could","start":1724.5,"end":1724.7401,"confidence":0.999931,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.16352692246437073},{"word":"look","start":1724.7401,"end":1724.9801,"confidence":0.9998272,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.20484651625156405},{"word":"to","start":1724.9801,"end":1725.14,"confidence":0.9995034,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17485608160495758},{"word":"either","start":1725.14,"end":1725.4601,"confidence":0.99813926,"punctuated_word":"either","sentiment":"neutral","sentiment_score":-0.1604795753955841},{"word":"increase","start":1725.4601,"end":1725.9601,"confidence":0.95532143,"punctuated_word":"increase,","sentiment":"neutral","sentiment_score":-0.0896664410829544},{"word":"you","start":1726.5,"end":1726.5801,"confidence":0.9995511,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09115771949291228},{"word":"know","start":1726.5801,"end":1726.8201,"confidence":0.9997921,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0513276532292366},{"word":"the","start":1726.8201,"end":1727.14,"confidence":0.9999224,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03754673898220062},{"word":"the","start":1727.14,"end":1727.2201,"confidence":0.9707666,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03352300822734833},{"word":"benefit","start":1727.2201,"end":1727.62,"confidence":0.9994677,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":-0.00571037083864212},{"word":"amount","start":1727.62,"end":1727.9401,"confidence":0.9995566,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.019589975476264954},{"word":"for","start":1727.9401,"end":1728.1001,"confidence":0.99792635,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.024354323744773865},{"word":"life","start":1728.1001,"end":1728.26,"confidence":0.94671226,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.00845395028591156},{"word":"and","start":1728.26,"end":1728.5,"confidence":0.7136067,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0033571049571037292},{"word":"tpd","start":1728.5,"end":1728.9,"confidence":0.990468,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.02579883113503456},{"word":"or","start":1728.9,"end":1729.06,"confidence":0.87617755,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.005746051669120789},{"word":"look","start":1729.06,"end":1729.2201,"confidence":0.9990171,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.04293106496334076},{"word":"at","start":1729.2201,"end":1729.38,"confidence":0.98619103,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":-0.041165076196193695},{"word":"you","start":1729.38,"end":1729.54,"confidence":0.99963593,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025853484869003296},{"word":"know","start":1729.54,"end":1730.02,"confidence":0.9996667,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.005158077925443649},{"word":"doing","start":1730.02,"end":1730.26,"confidence":0.999258,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.01186099648475647},{"word":"a","start":1730.26,"end":1730.42,"confidence":0.9990343,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008336752653121948},{"word":"lump","start":1730.42,"end":1730.8201,"confidence":0.9994708,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":-0.01715683937072754},{"word":"sort","start":1730.8201,"end":1731.14,"confidence":0.95657045,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.06968008726835251},{"word":"of","start":1731.14,"end":1731.38,"confidence":0.9089185,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.007641807198524475},{"word":"together","start":1731.38,"end":1731.8601,"confidence":0.9941525,"punctuated_word":"together","sentiment":"neutral","sentiment_score":-0.011678114533424376},{"word":"with","start":1731.8601,"end":1732.1001,"confidence":0.8872299,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.002026587724685669},{"word":"an","start":1732.1001,"end":1732.3401,"confidence":0.9949319,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.013419732451438904},{"word":"ip","start":1732.3401,"end":1732.66,"confidence":0.99422485,"punctuated_word":"IP","sentiment":"neutral","sentiment_score":0.008026175200939178},{"word":"policy","start":1732.66,"end":1732.9801,"confidence":0.99944824,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.0064710527658462524},{"word":"and","start":1732.9801,"end":1733.14,"confidence":0.9880596,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.005469381809234619},{"word":"just","start":1733.14,"end":1733.3,"confidence":0.9999263,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.007552929222583771},{"word":"having","start":1733.3,"end":1733.54,"confidence":0.996302,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.027491234242916107},{"word":"it","start":1733.54,"end":1733.7001,"confidence":0.99672157,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03356153517961502},{"word":"all","start":1733.7001,"end":1733.8601,"confidence":0.9995172,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.024533003568649292},{"word":"in","start":1733.8601,"end":1734.02,"confidence":0.57830584,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0118032768368721},{"word":"one","start":1734.02,"end":1734.26,"confidence":0.9995419,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.009168170392513275},{"word":"spot","start":1734.26,"end":1734.735,"confidence":0.99961096,"punctuated_word":"spot","sentiment":"neutral","sentiment_score":-0.0013058632612228394},{"word":"or","start":1734.895,"end":1735.135,"confidence":0.9996063,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04660595208406448},{"word":"looking","start":1735.135,"end":1735.375,"confidence":0.9965249,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.055951714515686035},{"word":"at","start":1735.375,"end":1735.535,"confidence":0.9968755,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":-0.08193785697221756},{"word":"you","start":1735.535,"end":1735.695,"confidence":0.9999573,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07860502600669861},{"word":"know","start":1735.695,"end":1735.855,"confidence":0.999889,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.06528893113136292},{"word":"the","start":1735.855,"end":1736.015,"confidence":0.9971615,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.058584339916706085},{"word":"outside","start":1736.015,"end":1736.495,"confidence":0.9974661,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.041773490607738495},{"word":"trauma","start":1736.495,"end":1736.895,"confidence":0.99759173,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.07942260801792145},{"word":"insurance","start":1736.895,"end":1737.395,"confidence":0.9924845,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.0862400084733963},{"word":"as","start":1737.455,"end":1737.615,"confidence":0.99927324,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06937626004219055},{"word":"well","start":1737.615,"end":1738.115,"confidence":0.99673414,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.027939625084400177},{"word":"but","start":1738.575,"end":1738.735,"confidence":0.7248587,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.038613758981227875},{"word":"if","start":1738.735,"end":1738.895,"confidence":0.9995426,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03769324719905853},{"word":"you're","start":1738.895,"end":1739.0549,"confidence":0.98850775,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.11257391422986984},{"word":"comfortable","start":1739.0549,"end":1739.455,"confidence":0.99927646,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.10624639689922331},{"word":"with","start":1739.455,"end":1739.695,"confidence":0.99988675,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14219224452972412},{"word":"the","start":1739.695,"end":1739.855,"confidence":0.90536505,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11537042260169984},{"word":"level","start":1739.855,"end":1740.095,"confidence":0.9979699,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.09019114077091216},{"word":"of","start":1740.095,"end":1740.1749,"confidence":0.8989906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10463546216487885},{"word":"amount","start":1740.1749,"end":1740.495,"confidence":0.9692114,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.0848923772573471},{"word":"that","start":1740.495,"end":1740.735,"confidence":0.9994764,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22591125965118408},{"word":"you","start":1740.735,"end":1741.0549,"confidence":0.9998869,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17573073506355286},{"word":"do","start":1741.0549,"end":1741.215,"confidence":0.9987394,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1140030473470688},{"word":"have","start":1741.215,"end":1741.535,"confidence":0.9989084,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1069728434085846},{"word":"currently","start":1741.535,"end":1742.035,"confidence":0.9918994,"punctuated_word":"currently,","sentiment":"neutral","sentiment_score":0.09255126863718031},{"word":"it's","start":1742.095,"end":1742.255,"confidence":0.9995998,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07556294649839401},{"word":"not","start":1742.255,"end":1742.495,"confidence":0.9999455,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.05890578031539917},{"word":"to","start":1742.495,"end":1742.575,"confidence":0.99451905,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.008582830429077148},{"word":"say","start":1742.575,"end":1742.735,"confidence":0.99993455,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.07780268788337708},{"word":"that","start":1742.735,"end":1742.895,"confidence":0.9998826,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03292357921600342},{"word":"it's","start":1742.895,"end":1743.135,"confidence":0.9990796,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.04093196243047714},{"word":"bad","start":1743.135,"end":1743.375,"confidence":0.9995472,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":-0.016959980130195618},{"word":"by","start":1743.375,"end":1743.535,"confidence":0.97858334,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.04006077349185944},{"word":"any","start":1743.535,"end":1743.695,"confidence":0.9999522,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07538874447345734},{"word":"means","start":1743.695,"end":1743.9349,"confidence":0.935243,"punctuated_word":"means.","sentiment":"neutral","sentiment_score":0.06113781780004501},{"word":"it","start":1743.9349,"end":1744.015,"confidence":0.9982317,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.16920289397239685},{"word":"just","start":1744.015,"end":1744.1749,"confidence":0.99858737,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18068239092826843},{"word":"means","start":1744.1749,"end":1744.415,"confidence":0.9997161,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.12828895449638367},{"word":"you'd","start":1744.415,"end":1744.575,"confidence":0.9829149,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.16234390437602997},{"word":"have","start":1744.575,"end":1744.735,"confidence":0.9997397,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13782276213169098},{"word":"to","start":1744.735,"end":1744.815,"confidence":0.99880075,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10853143036365508},{"word":"work","start":1744.815,"end":1744.975,"confidence":0.999876,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.10979290306568146},{"word":"towards","start":1744.975,"end":1745.295,"confidence":0.9992298,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.1741517186164856},{"word":"being","start":1745.295,"end":1745.535,"confidence":0.9995633,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.16081127524375916},{"word":"a","start":1745.535,"end":1745.695,"confidence":0.99981374,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1526503562927246},{"word":"little","start":1745.695,"end":1745.855,"confidence":0.9999535,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.17611247301101685},{"word":"bit","start":1745.855,"end":1746.015,"confidence":0.99955064,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1762438714504242},{"word":"more","start":1746.015,"end":1746.255,"confidence":0.99979585,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.13432201743125916},{"word":"self","start":1746.255,"end":1746.575,"confidence":0.9991041,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.18010924756526947},{"word":"insured","start":1746.575,"end":1747.075,"confidence":0.9459611,"punctuated_word":"insured,","sentiment":"neutral","sentiment_score":0.10811714828014374},{"word":"which","start":1747.65,"end":1747.81,"confidence":0.99655175,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.20466171205043793},{"word":"is","start":1747.81,"end":1748.05,"confidence":0.9996294,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17912334203720093},{"word":"where","start":1748.05,"end":1748.37,"confidence":0.901162,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.18356868624687195},{"word":"savings","start":1748.37,"end":1748.87,"confidence":0.24505545,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.2647131681442261},{"word":"comes","start":1749.0901,"end":1749.3301,"confidence":0.99756145,"punctuated_word":"comes","sentiment":"positive","sentiment_score":0.35062822699546814},{"word":"into","start":1749.3301,"end":1749.65,"confidence":0.9966634,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.31326282024383545},{"word":"it","start":1749.65,"end":1749.89,"confidence":0.9755975,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.3305038809776306},{"word":"building","start":1749.89,"end":1750.2101,"confidence":0.99976534,"punctuated_word":"building","sentiment":"positive","sentiment_score":0.4624297022819519},{"word":"up","start":1750.2101,"end":1750.37,"confidence":0.9995134,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3553122878074646},{"word":"your","start":1750.37,"end":1750.53,"confidence":0.9994221,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3324320316314697},{"word":"equity","start":1750.53,"end":1750.8501,"confidence":0.99977714,"punctuated_word":"equity","sentiment":"positive","sentiment_score":0.34824231266975403},{"word":"within","start":1750.8501,"end":1751.17,"confidence":0.999428,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.29127106070518494},{"word":"the","start":1751.17,"end":1751.25,"confidence":0.99901617,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2826765477657318},{"word":"property","start":1751.25,"end":1751.65,"confidence":0.96163344,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.2782631516456604},{"word":"things","start":1751.65,"end":1751.81,"confidence":0.98539066,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2295437604188919},{"word":"like","start":1751.81,"end":1752.05,"confidence":0.99940634,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.22949331998825073},{"word":"that","start":1752.05,"end":1752.2101,"confidence":0.9997781,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2796497046947479},{"word":"as","start":1752.2101,"end":1752.37,"confidence":0.9991259,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2833205759525299},{"word":"well","start":1752.37,"end":1752.87,"confidence":0.985683,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.24489396810531616},{"word":"because","start":1757.7301,"end":1757.9701,"confidence":0.8198165,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.1789989024400711},{"word":"all","start":1757.9701,"end":1758.13,"confidence":0.9889915,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2527815103530884},{"word":"yeah","start":1759.17,"end":1759.67,"confidence":0.94776386,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.26328375935554504},{"word":"all","start":1759.835,"end":1760.155,"confidence":0.9991234,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.3498343527317047},{"word":"insurance","start":1760.155,"end":1760.555,"confidence":0.50388664,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.2862322926521301},{"word":"is","start":1760.555,"end":1760.715,"confidence":0.96588266,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3453533947467804},{"word":"at","start":1760.715,"end":1760.795,"confidence":0.6681879,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3661447763442993},{"word":"the","start":1760.795,"end":1760.955,"confidence":0.9982222,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3287833333015442},{"word":"end","start":1760.955,"end":1761.035,"confidence":0.9993747,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.376863032579422},{"word":"of","start":1761.035,"end":1761.075,"confidence":0.992923,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3801013231277466},{"word":"the","start":1761.075,"end":1761.115,"confidence":0.51837593,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3207247853279114},{"word":"day","start":1761.115,"end":1761.275,"confidence":0.98482406,"punctuated_word":"day","sentiment":"positive","sentiment_score":0.37206974625587463},{"word":"is","start":1761.275,"end":1761.355,"confidence":0.84778893,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.3290400505065918},{"word":"like","start":1761.355,"end":1761.595,"confidence":0.9983406,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.28050661087036133},{"word":"risk","start":1761.595,"end":1761.915,"confidence":0.99914265,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.21784402430057528},{"word":"mitigation","start":1761.915,"end":1762.395,"confidence":0.9965712,"punctuated_word":"mitigation.","sentiment":"neutral","sentiment_score":0.1752248257398605},{"word":"there's","start":1762.395,"end":1762.635,"confidence":0.9997208,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.1221960112452507},{"word":"no","start":1762.635,"end":1762.795,"confidence":0.9622504,"punctuated_word":"no,","sentiment":"neutral","sentiment_score":-0.17896130681037903},{"word":"like","start":1762.795,"end":1763.035,"confidence":0.9948915,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.19396699965000153},{"word":"sort","start":1763.035,"end":1763.195,"confidence":0.95224446,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.17952731251716614},{"word":"of","start":1763.195,"end":1763.275,"confidence":0.90727144,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20087119936943057},{"word":"guarantee","start":1763.275,"end":1763.595,"confidence":0.97051245,"punctuated_word":"guarantee","sentiment":"neutral","sentiment_score":-0.20698292553424835},{"word":"you're","start":1763.595,"end":1763.835,"confidence":0.9588357,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.15418478846549988},{"word":"ever","start":1763.835,"end":1763.995,"confidence":0.9988795,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.07852068543434143},{"word":"gonna","start":1763.995,"end":1764.235,"confidence":0.9856624,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.14586032927036283},{"word":"claim","start":1764.235,"end":1764.475,"confidence":0.9974497,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.06734149158000946},{"word":"on","start":1764.475,"end":1764.555,"confidence":0.99943835,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07108999788761139},{"word":"it","start":1764.555,"end":1765.055,"confidence":0.9569343,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.08034873008728027},{"word":"so","start":1765.355,"end":1765.835,"confidence":0.9989091,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03549640625715256},{"word":"some","start":1765.835,"end":1766.075,"confidence":0.9969308,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1326785683631897},{"word":"people","start":1766.075,"end":1766.475,"confidence":0.9999678,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.1834723949432373},{"word":"do","start":1766.475,"end":1766.715,"confidence":0.9995066,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21482707560062408},{"word":"prefer","start":1766.715,"end":1767.215,"confidence":0.99957234,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.21138858795166016},{"word":"to","start":1767.275,"end":1767.595,"confidence":0.99936694,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24231624603271484},{"word":"work","start":1767.595,"end":1767.835,"confidence":0.99948454,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.23961466550827024},{"word":"towards","start":1767.835,"end":1768.235,"confidence":0.9985538,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.2986488342285156},{"word":"being","start":1768.235,"end":1768.355,"confidence":0.99985373,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.29771605134010315},{"word":"a","start":1768.355,"end":1768.475,"confidence":0.9998728,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3262035846710205},{"word":"little","start":1768.475,"end":1768.635,"confidence":0.99997187,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.26822394132614136},{"word":"bit","start":1768.635,"end":1768.795,"confidence":0.99908316,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.26621559262275696},{"word":"more","start":1768.795,"end":1769.035,"confidence":0.9997676,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.29179105162620544},{"word":"self","start":1769.035,"end":1769.275,"confidence":0.999663,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.28941023349761963},{"word":"insured","start":1769.275,"end":1769.595,"confidence":0.99880517,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":0.18303294479846952},{"word":"and","start":1769.595,"end":1769.755,"confidence":0.7257167,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.169124037027359},{"word":"not","start":1769.755,"end":1769.995,"confidence":0.9998216,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1351999044418335},{"word":"having","start":1769.995,"end":1770.475,"confidence":0.9996799,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.15635928511619568},{"word":"to","start":1770.475,"end":1770.635,"confidence":0.9983746,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11977973580360413},{"word":"pay","start":1770.635,"end":1770.875,"confidence":0.99912494,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.0862894058227539},{"word":"as","start":1770.875,"end":1771.115,"confidence":0.97248954,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1774706393480301},{"word":"high","start":1771.115,"end":1771.275,"confidence":0.98581463,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.05949088931083679},{"word":"premium","start":1771.275,"end":1771.775,"confidence":0.42985198,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.085141122341156},{"word":"and","start":1772.11,"end":1772.2699,"confidence":0.9996829,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2052002102136612},{"word":"just","start":1772.2699,"end":1772.35,"confidence":0.99923444,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22893935441970825},{"word":"having","start":1772.35,"end":1772.6699,"confidence":0.9986077,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.26807576417922974},{"word":"a","start":1772.6699,"end":1772.75,"confidence":0.9989053,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2532415986061096},{"word":"little","start":1772.75,"end":1772.9099,"confidence":0.9997211,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.22943806648254397},{"word":"bit","start":1772.9099,"end":1773.0299,"confidence":0.99864405,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2530095875263214},{"word":"of","start":1773.0299,"end":1773.1499,"confidence":0.6026072,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2573150098323822},{"word":"it","start":1773.1499,"end":1773.47,"confidence":0.6901009,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.19197438657283783},{"word":"some","start":1773.47,"end":1773.71,"confidence":0.99587554,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":0.17269450426101685},{"word":"people","start":1773.71,"end":1774.0299,"confidence":0.9999068,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.18603193759918213},{"word":"like","start":1774.0299,"end":1774.19,"confidence":0.9923097,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.21731966733932495},{"word":"to","start":1774.19,"end":1774.2699,"confidence":0.9995715,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13815703988075256},{"word":"cover","start":1774.2699,"end":1774.59,"confidence":0.9998708,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.1373542696237564},{"word":"fully","start":1774.59,"end":1775.09,"confidence":0.99953103,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.1967652440071106},{"word":"if","start":1775.1499,"end":1775.3899,"confidence":0.69347787,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1351357400417328},{"word":"anything","start":1775.3899,"end":1775.63,"confidence":0.99949825,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.13953809440135956},{"word":"was","start":1775.63,"end":1775.87,"confidence":0.99360174,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.08307470381259918},{"word":"to","start":1775.87,"end":1776.0299,"confidence":0.9995952,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03756245970726013},{"word":"go","start":1776.0299,"end":1776.19,"confidence":0.9998078,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.009755529463291168},{"word":"wrong","start":1776.19,"end":1776.6699,"confidence":0.9995776,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":0.03304164111614227},{"word":"and","start":1776.6699,"end":1776.83,"confidence":0.59594274,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.022693760693073273},{"word":"then","start":1776.83,"end":1777.07,"confidence":0.99982184,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09226393699645996},{"word":"sort","start":1777.07,"end":1777.3099,"confidence":0.9884289,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06816952675580978},{"word":"of","start":1777.3099,"end":1777.47,"confidence":0.88026106,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08697309345006943},{"word":"not","start":1777.47,"end":1777.71,"confidence":0.99872476,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.04495396465063095},{"word":"self","start":1777.71,"end":1777.95,"confidence":0.9989386,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.014329180121421814},{"word":"insure","start":1777.95,"end":1778.2699,"confidence":0.88192177,"punctuated_word":"insure","sentiment":"neutral","sentiment_score":0.03870522975921631},{"word":"as","start":1778.2699,"end":1778.4299,"confidence":0.99898523,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10054833441972733},{"word":"much","start":1778.4299,"end":1778.6699,"confidence":0.99994934,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.10829420387744904},{"word":"at","start":1778.6699,"end":1778.75,"confidence":0.9967355,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0830143392086029},{"word":"the","start":1778.75,"end":1778.83,"confidence":0.9995461,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.147416353225708},{"word":"end","start":1778.83,"end":1778.99,"confidence":0.9998945,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.12500202655792236},{"word":"of","start":1778.99,"end":1779.1499,"confidence":0.9996439,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17697183787822723},{"word":"the","start":1779.1499,"end":1779.23,"confidence":0.99505216,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1498526632785797},{"word":"day","start":1779.23,"end":1779.3899,"confidence":0.99988604,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.09512002021074296},{"word":"as","start":1779.3899,"end":1779.5499,"confidence":0.9993703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1041375696659088},{"word":"well","start":1779.5499,"end":1780.0499,"confidence":0.9991019,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.09213890880346298},{"word":"yep","start":1791.325,"end":1791.8049,"confidence":0.7036947,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05701054632663727},{"word":"no","start":1791.8049,"end":1792.0449,"confidence":0.9894774,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0020210593938827515},{"word":"completely","start":1792.0449,"end":1792.5449,"confidence":0.99944663,"punctuated_word":"Completely","sentiment":"neutral","sentiment_score":0.0960218757390976},{"word":"understandable","start":1792.605,"end":1793.105,"confidence":0.90042734,"punctuated_word":"understandable.","sentiment":"neutral","sentiment_score":0.025273293256759644},{"word":"if","start":1793.485,"end":1793.725,"confidence":0.767524,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.22898150980472565},{"word":"you're","start":1793.725,"end":1793.965,"confidence":0.9126432,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3335821032524109},{"word":"you're","start":1793.965,"end":1794.205,"confidence":0.972831,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.39141497015953064},{"word":"happy","start":1794.205,"end":1794.445,"confidence":0.9996797,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.4478484094142914},{"word":"with","start":1794.445,"end":1794.605,"confidence":0.9997727,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6052330136299133},{"word":"that","start":1794.605,"end":1794.765,"confidence":0.99981385,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4556526839733124},{"word":"and","start":1794.765,"end":1794.9249,"confidence":0.8906353,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3378993570804596},{"word":"you're","start":1794.9249,"end":1795.085,"confidence":0.9980495,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4182533025741577},{"word":"happy","start":1795.085,"end":1795.325,"confidence":0.99965453,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.45486852526664734},{"word":"with","start":1795.325,"end":1795.485,"confidence":0.99871624,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.502732515335083},{"word":"the","start":1795.485,"end":1795.565,"confidence":0.9991499,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4283297657966614},{"word":"level","start":1795.565,"end":1795.8049,"confidence":0.99983084,"punctuated_word":"level","sentiment":"positive","sentiment_score":0.39675411581993103},{"word":"of","start":1795.8049,"end":1795.965,"confidence":0.99941003,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3834246695041657},{"word":"covers","start":1795.965,"end":1796.205,"confidence":0.8407563,"punctuated_word":"covers","sentiment":"positive","sentiment_score":0.39363348484039307},{"word":"that","start":1796.205,"end":1796.365,"confidence":0.9992473,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4693777859210968},{"word":"you","start":1796.365,"end":1796.525,"confidence":0.99965096,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3910505771636963},{"word":"have","start":1796.525,"end":1797.025,"confidence":0.77013683,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.3175335228443146},{"word":"if","start":1797.085,"end":1797.1649,"confidence":0.9526146,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.26585423946380615},{"word":"you","start":1797.1649,"end":1797.325,"confidence":0.9994191,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23766806721687317},{"word":"could","start":1797.325,"end":1797.645,"confidence":0.999645,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.2548132538795471},{"word":"email","start":1797.645,"end":1798.0449,"confidence":0.9913605,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.21136751770973208},{"word":"through","start":1798.0449,"end":1798.365,"confidence":0.99479795,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.19531400501728055},{"word":"the","start":1798.365,"end":1798.865,"confidence":0.96526784,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2408978641033173},{"word":"the","start":1799.0299,"end":1799.2699,"confidence":0.50349677,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19030100107192993},{"word":"ip","start":1799.2699,"end":1799.4299,"confidence":0.9889937,"punctuated_word":"IP","sentiment":"neutral","sentiment_score":0.1233999952673912},{"word":"policy","start":1799.4299,"end":1799.83,"confidence":0.99938095,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.18114660680294037},{"word":"just","start":1799.83,"end":1800.07,"confidence":0.94191647,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1711813658475876},{"word":"so","start":1800.07,"end":1800.1499,"confidence":0.9997942,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.17594987154006958},{"word":"we","start":1800.1499,"end":1800.23,"confidence":0.9997881,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21043819189071655},{"word":"could","start":1800.23,"end":1800.3899,"confidence":0.79837656,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.25977468490600586},{"word":"have","start":1800.3899,"end":1800.8899,"confidence":0.9998411,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24870559573173523},{"word":"it","start":1801.0499,"end":1801.5499,"confidence":0.99907994,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1954841315746307},{"word":"on","start":1801.71,"end":1802.21,"confidence":0.9998733,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2180301249027252},{"word":"file","start":1802.3699,"end":1802.8699,"confidence":0.9997255,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.18957090377807617},{"word":"as","start":1803.0299,"end":1803.2699,"confidence":0.5624968,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15048518776893616},{"word":"something","start":1803.2699,"end":1803.59,"confidence":0.9935022,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.14585354924201965},{"word":"we","start":1803.59,"end":1803.75,"confidence":0.9327935,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12042120844125748},{"word":"have","start":1803.75,"end":1803.83,"confidence":0.8548585,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.1384367197751999},{"word":"and","start":1803.83,"end":1803.99,"confidence":0.9985165,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11314195394515993},{"word":"then","start":1803.99,"end":1804.07,"confidence":0.9994974,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13696399331092834},{"word":"we","start":1804.07,"end":1804.23,"confidence":0.9992674,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.131220281124115},{"word":"might","start":1804.23,"end":1804.3899,"confidence":0.9992872,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.16596639156341553},{"word":"get","start":1804.3899,"end":1804.5499,"confidence":0.99133366,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15112754702568054},{"word":"them","start":1804.5499,"end":1804.71,"confidence":0.99528486,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1381407082080841},{"word":"to","start":1804.71,"end":1804.7899,"confidence":0.9950009,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14407391846179962},{"word":"send","start":1804.7899,"end":1804.95,"confidence":0.9965821,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1298878788948059},{"word":"out","start":1804.95,"end":1805.11,"confidence":0.9984775,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11788184940814972},{"word":"a","start":1805.11,"end":1805.2699,"confidence":0.993386,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11524274945259094},{"word":"third","start":1805.2699,"end":1805.51,"confidence":0.9994809,"punctuated_word":"third","sentiment":"neutral","sentiment_score":0.0819757878780365},{"word":"party","start":1805.51,"end":1805.9099,"confidence":0.9994677,"punctuated_word":"party","sentiment":"neutral","sentiment_score":0.08785457909107208},{"word":"authority","start":1805.9099,"end":1806.3099,"confidence":0.99915075,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.11801189929246902},{"word":"just","start":1806.3099,"end":1806.47,"confidence":0.9894879,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14549070596694946},{"word":"to","start":1806.47,"end":1806.63,"confidence":0.9906294,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12257852405309676},{"word":"get","start":1806.63,"end":1806.7899,"confidence":0.95370317,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11422083526849748},{"word":"a","start":1806.7899,"end":1806.87,"confidence":0.5212552,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17789937555789948},{"word":"bit","start":1806.87,"end":1806.95,"confidence":0.9805509,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18133601546287537},{"word":"of","start":1806.95,"end":1807.11,"confidence":0.67782146,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19401630759239197},{"word":"information","start":1807.11,"end":1807.51,"confidence":0.99949074,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.1386200785636902},{"word":"on","start":1807.51,"end":1807.6699,"confidence":0.999808,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13051837682724},{"word":"that","start":1807.6699,"end":1807.75,"confidence":0.9999219,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17499542236328125},{"word":"one","start":1807.75,"end":1807.9099,"confidence":0.9994217,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.11015257239341736},{"word":"just","start":1807.9099,"end":1808.1499,"confidence":0.911518,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1359371840953827},{"word":"so","start":1808.1499,"end":1808.23,"confidence":0.9905392,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.17925554513931274},{"word":"we've","start":1808.23,"end":1808.3899,"confidence":0.99308264,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.23005390167236328},{"word":"got","start":1808.3899,"end":1808.63,"confidence":0.9997068,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2550201714038849},{"word":"it","start":1808.63,"end":1808.7899,"confidence":0.9986897,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19055625796318057},{"word":"for","start":1808.7899,"end":1809.11,"confidence":0.99878126,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15348434448242188},{"word":"our","start":1809.11,"end":1809.2699,"confidence":0.8669138,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.1798572838306427},{"word":"reference","start":1809.2699,"end":1809.75,"confidence":0.99627185,"punctuated_word":"reference","sentiment":"neutral","sentiment_score":0.1620769202709198},{"word":"as","start":1809.75,"end":1809.99,"confidence":0.9997216,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17425863444805145},{"word":"well","start":1809.99,"end":1810.49,"confidence":0.9996902,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.132376030087471},{"word":"if","start":1810.95,"end":1811.19,"confidence":0.72790635,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0205713864415884},{"word":"anything","start":1811.19,"end":1811.6699,"confidence":0.9985257,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.01418830081820488},{"word":"does","start":1811.6699,"end":1811.9099,"confidence":0.95486593,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.006103012710809708},{"word":"happen","start":1811.9099,"end":1812.405,"confidence":0.97850096,"punctuated_word":"happen.","sentiment":"neutral","sentiment_score":-0.017928598448634148},{"word":"but","start":1814.3251,"end":1814.5651,"confidence":0.9893294,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.031954310834407806},{"word":"i'll","start":1814.5651,"end":1815.0651,"confidence":0.99008864,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.042285364121198654},{"word":"what","start":1815.925,"end":1816.425,"confidence":0.47638115,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.04669518396258354},{"word":"was","start":1820.0851,"end":1820.245,"confidence":0.99517184,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.053252387791872025},{"word":"that","start":1820.245,"end":1820.405,"confidence":0.9825947,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.045547790825366974},{"word":"sorry","start":1820.405,"end":1820.725,"confidence":0.9342352,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.09071258455514908},{"word":"just","start":1820.725,"end":1820.885,"confidence":0.46257484,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.07462474703788757},{"word":"cut","start":1820.885,"end":1821.045,"confidence":0.99314755,"punctuated_word":"cut","sentiment":"neutral","sentiment_score":-0.05778055265545845},{"word":"out","start":1821.045,"end":1821.2051,"confidence":0.876908,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.05887700989842415},{"word":"just","start":1821.2051,"end":1821.365,"confidence":0.80797607,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06725939363241196},{"word":"a","start":1821.365,"end":1821.4451,"confidence":0.998665,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0491611585021019},{"word":"little","start":1821.4451,"end":1821.605,"confidence":0.9998714,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.03722863644361496},{"word":"bit","start":1821.605,"end":1822.105,"confidence":0.9957817,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.031276725232601166},{"word":"yeah","start":1824.9801,"end":1825.2201,"confidence":0.99557185,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12999236583709717},{"word":"perfect","start":1825.2201,"end":1825.7201,"confidence":0.99964863,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.31640782952308655},{"word":"do","start":1826.02,"end":1826.3401,"confidence":0.9057458,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.06884771585464478},{"word":"you","start":1826.3401,"end":1826.42,"confidence":0.9998634,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06823144108057022},{"word":"have","start":1826.42,"end":1826.66,"confidence":0.999974,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07159353047609329},{"word":"one","start":1826.66,"end":1826.9,"confidence":0.99987566,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.08072954416275024},{"word":"of","start":1826.9,"end":1826.9801,"confidence":0.99991095,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12023741006851196},{"word":"our","start":1826.9801,"end":1827.14,"confidence":0.9991841,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.10878895223140717},{"word":"emails","start":1827.14,"end":1827.4601,"confidence":0.9984823,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.0708271935582161},{"word":"there","start":1827.4601,"end":1827.62,"confidence":0.7790725,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.06770612299442291},{"word":"like","start":1827.62,"end":1827.86,"confidence":0.99926704,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08041416853666306},{"word":"info","start":1827.86,"end":1828.18,"confidence":0.5880395,"punctuated_word":"info","sentiment":"neutral","sentiment_score":0.09332546591758728},{"word":"at","start":1828.18,"end":1828.3401,"confidence":0.5986819,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1015632227063179},{"word":"oakview","start":1828.3401,"end":1828.66,"confidence":0.6387267,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.09786058217287064},{"word":"financial","start":1828.66,"end":1829.06,"confidence":0.99430484,"punctuated_word":"Financial","sentiment":"neutral","sentiment_score":0.0878487229347229},{"word":"already","start":1829.06,"end":1829.56,"confidence":0.9936686,"punctuated_word":"already?","sentiment":"neutral","sentiment_score":0.08377805352210999},{"word":"i'm","start":1838.675,"end":1838.915,"confidence":0.8217795,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.004169359803199768},{"word":"not","start":1838.915,"end":1839.0751,"confidence":0.99435425,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.012428391724824904},{"word":"too","start":1839.0751,"end":1839.2351,"confidence":0.99668413,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.00663582980632782},{"word":"sure","start":1839.2351,"end":1839.555,"confidence":0.99996567,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.04374855756759643},{"word":"if","start":1839.555,"end":1839.795,"confidence":0.99893504,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.002598734572529793},{"word":"it","start":1839.795,"end":1840.1151,"confidence":0.99950397,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.023183751851320267},{"word":"does","start":1840.1151,"end":1840.435,"confidence":0.99946374,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.01368097960948944},{"word":"come","start":1840.435,"end":1840.5951,"confidence":0.99924856,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.015224885195493698},{"word":"through","start":1840.5951,"end":1840.8351,"confidence":0.96636003,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.009496431797742844},{"word":"as","start":1840.8351,"end":1840.915,"confidence":0.9356028,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02950607612729073},{"word":"the","start":1840.915,"end":1840.9951,"confidence":0.9967866,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03991127014160156},{"word":"same","start":1840.9951,"end":1841.2351,"confidence":0.9993857,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.02969338744878769},{"word":"one","start":1841.2351,"end":1841.4751,"confidence":0.99783343,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.054644763469696045},{"word":"as","start":1841.4751,"end":1841.635,"confidence":0.99724567,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03149710223078728},{"word":"the","start":1841.635,"end":1841.9551,"confidence":0.99948704,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0500350184738636},{"word":"newsletter","start":1841.9551,"end":1842.4551,"confidence":0.8485005,"punctuated_word":"newsletter,","sentiment":"neutral","sentiment_score":0.026398440822958943},{"word":"but","start":1842.915,"end":1843.155,"confidence":0.89490515,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.018925877287983894},{"word":"it","start":1843.155,"end":1843.2351,"confidence":0.9984157,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.041147224605083466},{"word":"is","start":1843.2351,"end":1843.4751,"confidence":0.99957556,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03933189809322357},{"word":"just","start":1843.4751,"end":1843.795,"confidence":0.999818,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04999534040689469},{"word":"info","start":1843.795,"end":1844.295,"confidence":0.9971794,"punctuated_word":"info","sentiment":"neutral","sentiment_score":0.03297673538327217},{"word":"at","start":1844.3551,"end":1844.675,"confidence":0.9995204,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02658131532371044},{"word":"oakview","start":1844.675,"end":1845.175,"confidence":0.7391188,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.02870395965874195},{"word":"financial","start":1845.3151,"end":1845.8151,"confidence":0.97490746,"punctuated_word":"Financial","sentiment":"neutral","sentiment_score":0.020496094599366188},{"word":"dot","start":1846.035,"end":1846.1951,"confidence":0.9986405,"punctuated_word":"dot","sentiment":"neutral","sentiment_score":0.02119068428874016},{"word":"com","start":1846.1951,"end":1846.435,"confidence":0.99858093,"punctuated_word":"com","sentiment":"neutral","sentiment_score":0.02324017509818077},{"word":"dot","start":1846.435,"end":1846.5951,"confidence":0.990462,"punctuated_word":"dot","sentiment":"neutral","sentiment_score":0.026780731976032257},{"word":"a","start":1846.5951,"end":1846.755,"confidence":0.8112013,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02798864245414734},{"word":"u","start":1846.755,"end":1847.255,"confidence":0.9761753,"punctuated_word":"u.","sentiment":"neutral","sentiment_score":0.03147155046463013},{"word":"yeah","start":1848.035,"end":1848.275,"confidence":0.9730363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11963389068841934},{"word":"okay","start":1848.275,"end":1848.515,"confidence":0.9494957,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.32704246044158936},{"word":"brilliant","start":1848.515,"end":1849.015,"confidence":0.9948235,"punctuated_word":"Brilliant.","sentiment":"positive","sentiment_score":0.5564495325088501},{"word":"if","start":1849.7999,"end":1849.96,"confidence":0.9830261,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.5175781846046448},{"word":"you","start":1849.96,"end":1850.0399,"confidence":0.9996698,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5112737417221069},{"word":"just","start":1850.0399,"end":1850.2799,"confidence":0.97980344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4788177013397217},{"word":"send","start":1850.2799,"end":1850.44,"confidence":0.996203,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.5508570671081543},{"word":"that","start":1850.44,"end":1850.6,"confidence":0.9997851,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5175195932388306},{"word":"one","start":1850.6,"end":1850.76,"confidence":0.9993463,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.42099499702453613},{"word":"through","start":1850.76,"end":1850.9199,"confidence":0.9951441,"punctuated_word":"through,","sentiment":"positive","sentiment_score":0.4124680161476135},{"word":"that'd","start":1850.9199,"end":1851.24,"confidence":0.9992292,"punctuated_word":"that'd","sentiment":"positive","sentiment_score":0.5515186190605164},{"word":"be","start":1851.24,"end":1851.3999,"confidence":0.99955565,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5187240242958069},{"word":"great","start":1851.3999,"end":1851.7999,"confidence":0.9960127,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.526984453201294},{"word":"so","start":1851.7999,"end":1852.12,"confidence":0.63692725,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.28593260049819946},{"word":"we're","start":1852.12,"end":1852.2799,"confidence":0.96352124,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.29639101028442383},{"word":"gonna","start":1852.2799,"end":1852.5199,"confidence":0.9839647,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2014329731464386},{"word":"review","start":1852.5199,"end":1852.84,"confidence":0.9956156,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.18773852288722992},{"word":"that","start":1852.84,"end":1853.32,"confidence":0.77848613,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1938360631465912},{"word":"and","start":1853.32,"end":1853.48,"confidence":0.98381317,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14140725135803223},{"word":"then","start":1853.48,"end":1853.72,"confidence":0.99960715,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.15394742786884308},{"word":"in","start":1853.72,"end":1853.88,"confidence":0.97780436,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17296291887760162},{"word":"the","start":1853.88,"end":1853.96,"confidence":0.99939716,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16227653622627258},{"word":"back","start":1853.96,"end":1854.12,"confidence":0.9482182,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.15396209061145782},{"word":"end","start":1854.12,"end":1854.2799,"confidence":0.9924205,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.12765677273273468},{"word":"there","start":1854.2799,"end":1854.5199,"confidence":0.9834441,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1457226574420929},{"word":"we'll","start":1854.5199,"end":1854.6799,"confidence":0.9958414,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.16410323977470398},{"word":"just","start":1854.6799,"end":1854.9199,"confidence":0.99970967,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19204890727996823},{"word":"look","start":1854.9199,"end":1855.08,"confidence":0.99966395,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1635631024837494},{"word":"at","start":1855.08,"end":1855.32,"confidence":0.9996532,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1622007191181183},{"word":"doing","start":1855.32,"end":1855.5599,"confidence":0.9990717,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.2005343437194824},{"word":"the","start":1855.5599,"end":1855.72,"confidence":0.99663,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2102941870689392},{"word":"research","start":1855.72,"end":1856.12,"confidence":0.99973637,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.16243457794189453},{"word":"on","start":1856.12,"end":1856.2799,"confidence":0.9989594,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15932869911193848},{"word":"that","start":1856.2799,"end":1856.44,"confidence":0.9052801,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.19760775566101071},{"word":"look","start":1856.44,"end":1856.6,"confidence":0.99230427,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.20248788595199585},{"word":"at","start":1856.6,"end":1856.76,"confidence":0.99911636,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1884264349937439},{"word":"getting","start":1856.76,"end":1857.0,"confidence":0.9996001,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.17562760412693024},{"word":"that","start":1857.0,"end":1857.1599,"confidence":0.9990375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20970085263252256},{"word":"updated","start":1857.1599,"end":1857.64,"confidence":0.99910504,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2166796326637268},{"word":"there","start":1857.64,"end":1857.96,"confidence":0.9984079,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.3023448884487152},{"word":"for","start":1857.96,"end":1858.0399,"confidence":0.9999114,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.29029157757759094},{"word":"you","start":1858.0399,"end":1858.5399,"confidence":0.999143,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2539242208003998},{"word":"in","start":1858.76,"end":1858.9199,"confidence":0.91035753,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.27778732776641846},{"word":"terms","start":1858.9199,"end":1859.32,"confidence":0.9999722,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.2715712785720825},{"word":"of","start":1859.32,"end":1859.3999,"confidence":0.9998987,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3221984803676605},{"word":"the","start":1859.3999,"end":1859.64,"confidence":0.9996201,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29126667976379395},{"word":"investment","start":1859.64,"end":1860.12,"confidence":0.99815065,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.21126580238342285},{"word":"review","start":1860.12,"end":1860.62,"confidence":0.97899544,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.20418038964271543},{"word":"but","start":1860.9199,"end":1861.08,"confidence":0.99676514,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.13438932597637177},{"word":"is","start":1861.08,"end":1861.1599,"confidence":0.99881774,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09238749742507936},{"word":"there","start":1861.1599,"end":1861.32,"confidence":0.99914265,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.11091303825378418},{"word":"any","start":1861.32,"end":1861.48,"confidence":0.5317359,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.13712960481643677},{"word":"anything","start":1861.5599,"end":1861.7999,"confidence":0.99760085,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.1543796807527542},{"word":"else","start":1861.7999,"end":1862.0399,"confidence":0.999529,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.17832793295383453},{"word":"that","start":1862.0399,"end":1862.2,"confidence":0.9991835,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10770367085933684},{"word":"you","start":1862.2,"end":1862.36,"confidence":0.9996418,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1362185180187225},{"word":"wanted","start":1862.36,"end":1862.655,"confidence":0.7698796,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1526956558227539},{"word":"particular","start":1862.735,"end":1863.135,"confidence":0.8889327,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":0.19970041513442993},{"word":"advice","start":1863.135,"end":1863.295,"confidence":0.98582584,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.18124040961265564},{"word":"on","start":1863.295,"end":1863.535,"confidence":0.601983,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13483673334121704},{"word":"anything","start":1863.535,"end":1863.6951,"confidence":0.7433894,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.1881716400384903},{"word":"else","start":1863.6951,"end":1863.935,"confidence":0.9986022,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.17572623491287231},{"word":"you","start":1863.935,"end":1864.015,"confidence":0.9960699,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10694655776023863},{"word":"wanted","start":1864.015,"end":1864.255,"confidence":0.46651143,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.10667784512043},{"word":"to","start":1864.255,"end":1864.3351,"confidence":0.9656799,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12518294155597687},{"word":"review","start":1864.3351,"end":1864.5751,"confidence":0.997804,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.1037098541855812},{"word":"at","start":1864.5751,"end":1864.655,"confidence":0.99945146,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07471399009227753},{"word":"the","start":1864.655,"end":1864.735,"confidence":0.9991985,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13303643465042114},{"word":"moment","start":1864.735,"end":1865.055,"confidence":0.99679077,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.12215398997068404},{"word":"like","start":1865.055,"end":1865.2151,"confidence":0.9885919,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.0692276805639267},{"word":"obviously","start":1865.2151,"end":1865.535,"confidence":0.99482733,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.0544549822807312},{"word":"i","start":1865.535,"end":1865.615,"confidence":0.99813193,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04515755921602249},{"word":"know","start":1865.615,"end":1865.855,"confidence":0.9989729,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.05268873646855354},{"word":"you're","start":1865.855,"end":1866.095,"confidence":0.7783433,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.03648891672492027},{"word":"speaking","start":1866.095,"end":1866.415,"confidence":0.98088086,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":0.06403291970491409},{"word":"to","start":1866.415,"end":1866.495,"confidence":0.98965734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.044988393783569336},{"word":"an","start":1866.495,"end":1866.735,"confidence":0.9932585,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.05129200220108032},{"word":"account","start":1866.735,"end":1866.9751,"confidence":0.8103564,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.07811488211154938},{"word":"and","start":1866.9751,"end":1867.2151,"confidence":0.6256507,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04429414123296738},{"word":"maybe","start":1867.2151,"end":1867.7151,"confidence":0.99789965,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.04123815149068832},{"word":"have","start":1867.775,"end":1868.015,"confidence":0.5264558,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06437024474143982},{"word":"a","start":1868.015,"end":1868.095,"confidence":0.78469133,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.058940790593624115},{"word":"chat","start":1868.095,"end":1868.3351,"confidence":0.998985,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.09713086485862732},{"word":"with","start":1868.3351,"end":1868.5751,"confidence":0.9994351,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08536776900291443},{"word":"a","start":1868.5751,"end":1868.655,"confidence":0.60290545,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0936676561832428},{"word":"a","start":1868.655,"end":1868.735,"confidence":0.5357599,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1006212830543518},{"word":"mortgage","start":1868.735,"end":1869.055,"confidence":0.9941766,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.09969337284564972},{"word":"broker","start":1869.055,"end":1869.295,"confidence":0.9907267,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":0.09260162711143494},{"word":"down","start":1869.295,"end":1869.535,"confidence":0.9854248,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1209629699587822},{"word":"the","start":1869.535,"end":1869.6951,"confidence":0.99361247,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09701678156852722},{"word":"track","start":1869.6951,"end":1869.935,"confidence":0.81320685,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.07871188968420029},{"word":"but","start":1869.935,"end":1870.255,"confidence":0.9952369,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06506463140249252},{"word":"if","start":1870.255,"end":1870.415,"confidence":0.915634,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07127657532691956},{"word":"you","start":1870.415,"end":1870.735,"confidence":0.9993771,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06354999542236328},{"word":"reach","start":1870.735,"end":1870.975,"confidence":0.99454343,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.071913942694664},{"word":"out","start":1870.975,"end":1871.135,"confidence":0.89182186,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.07303434610366821},{"word":"but","start":1871.135,"end":1871.295,"confidence":0.9993079,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.038722336292266846},{"word":"is","start":1871.295,"end":1871.375,"confidence":0.9962845,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0017105937004089355},{"word":"there","start":1871.375,"end":1871.4551,"confidence":0.98233724,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.028597548604011536},{"word":"anything","start":1871.4551,"end":1871.775,"confidence":0.9994789,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.026634827256202694},{"word":"that","start":1871.775,"end":1871.935,"confidence":0.99604625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.00616668164730072},{"word":"you","start":1871.935,"end":1872.095,"confidence":0.99979705,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.020075209438800812},{"word":"want","start":1872.095,"end":1872.3351,"confidence":0.98605704,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.012396585196256638},{"word":"specifically","start":1872.3351,"end":1872.8351,"confidence":0.9975393,"punctuated_word":"specifically","sentiment":"neutral","sentiment_score":-0.02098168432712555},{"word":"addressed","start":1872.895,"end":1873.295,"confidence":0.99690586,"punctuated_word":"addressed","sentiment":"neutral","sentiment_score":0.0003835409879684448},{"word":"or","start":1873.295,"end":1873.535,"confidence":0.9983493,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.00893700122833252},{"word":"reviewed","start":1873.535,"end":1873.935,"confidence":0.9994178,"punctuated_word":"reviewed","sentiment":"neutral","sentiment_score":-0.0008503496646881104},{"word":"at","start":1873.935,"end":1874.015,"confidence":0.9994259,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.026394911110401154},{"word":"this","start":1874.015,"end":1874.255,"confidence":0.9997137,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.011631645262241364},{"word":"time","start":1874.255,"end":1874.495,"confidence":0.79796714,"punctuated_word":"time?","sentiment":"neutral","sentiment_score":0.012172142043709757},{"word":"like","start":1874.495,"end":1874.735,"confidence":0.99514896,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":-0.04900232329964638},{"word":"or","start":1874.985,"end":1875.36,"confidence":0.99322057,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04313267022371292},{"word":"pretty","start":1876.96,"end":1877.46,"confidence":0.37691513,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.030585037544369698},{"word":"yeah","start":1887.2,"end":1887.52,"confidence":0.7956995,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08345600217580795},{"word":"that's","start":1887.52,"end":1887.84,"confidence":0.9984679,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12495855987071992},{"word":"not","start":1887.84,"end":1887.96,"confidence":0.9993345,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1418769508600235},{"word":"a","start":1887.96,"end":1888.08,"confidence":0.99894255,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13411587476730347},{"word":"problem","start":1888.08,"end":1888.48,"confidence":0.9998222,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.157762810587883},{"word":"at","start":1888.48,"end":1888.64,"confidence":0.9988385,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10213860869407654},{"word":"all","start":1888.64,"end":1888.7999,"confidence":0.9920515,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.14574038982391355},{"word":"obviously","start":1888.7999,"end":1889.2999,"confidence":0.96673846,"punctuated_word":"Obviously","sentiment":"neutral","sentiment_score":0.1434803158044815},{"word":"yeah","start":1899.965,"end":1900.205,"confidence":0.98178864,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06966350227594376},{"word":"i","start":1900.205,"end":1900.365,"confidence":0.9989881,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04431375116109848},{"word":"think","start":1900.365,"end":1900.6849,"confidence":0.999818,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.01896208338439465},{"word":"when","start":1901.325,"end":1901.6449,"confidence":0.99173623,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.035811200737953186},{"word":"would","start":1901.6449,"end":1902.06,"confidence":0.99934834,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.02405417338013649},{"word":"that","start":1902.3,"end":1902.54,"confidence":0.9822605,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04427970200777054},{"word":"be","start":1902.54,"end":1902.7001,"confidence":0.9968149,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.02954482100903988},{"word":"coming","start":1902.7001,"end":1903.02,"confidence":0.9998275,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.03134409338235855},{"word":"up","start":1903.02,"end":1903.26,"confidence":0.98209625,"punctuated_word":"up?","sentiment":"neutral","sentiment_score":0.04320527985692024},{"word":"i'd","start":1903.26,"end":1903.5,"confidence":0.9872279,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.07483033835887909},{"word":"have","start":1903.5,"end":1903.66,"confidence":0.99968016,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03950788453221321},{"word":"to","start":1903.66,"end":1903.8201,"confidence":0.9995627,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0464911051094532},{"word":"check","start":1903.8201,"end":1904.14,"confidence":0.9999137,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.03881580010056496},{"word":"when","start":1904.14,"end":1904.38,"confidence":0.9988538,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05923186615109444},{"word":"her","start":1904.38,"end":1904.54,"confidence":0.99631727,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.08168153464794159},{"word":"annual","start":1904.54,"end":1904.9401,"confidence":0.9858683,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.08132100105285645},{"word":"review","start":1904.9401,"end":1905.26,"confidence":0.9837667,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.06906341016292572},{"word":"would","start":1905.26,"end":1905.42,"confidence":0.9993199,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06042524427175522},{"word":"be","start":1905.42,"end":1905.92,"confidence":0.99950886,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06476585566997528},{"word":"be","start":1906.06,"end":1906.14,"confidence":0.62443066,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0621655136346817},{"word":"coming","start":1906.14,"end":1906.38,"confidence":0.9987632,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.06856159120798111},{"word":"up","start":1906.38,"end":1906.54,"confidence":0.9910353,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07795867323875427},{"word":"there","start":1906.54,"end":1906.78,"confidence":0.9817669,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.07962681353092194},{"word":"as","start":1906.78,"end":1906.9401,"confidence":0.8086619,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09206638485193253},{"word":"okay","start":1914.14,"end":1914.64,"confidence":0.89917,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1351698338985443},{"word":"yep","start":1923.1951,"end":1923.6951,"confidence":0.75695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2149868607521057},{"word":"right","start":1924.155,"end":1924.655,"confidence":0.7853496,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.240924209356308},{"word":"well","start":1924.9551,"end":1925.1951,"confidence":0.92206997,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.268058717250824},{"word":"yeah","start":1925.1951,"end":1925.435,"confidence":0.97029674,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.2796308398246765},{"word":"i'll","start":1925.435,"end":1925.675,"confidence":0.9789597,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2684779167175293},{"word":"see","start":1925.675,"end":1926.0751,"confidence":0.9993864,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.23002707958221436},{"word":"where","start":1926.0751,"end":1926.3151,"confidence":0.9945148,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.1586168110370636},{"word":"that's","start":1926.3151,"end":1926.7151,"confidence":0.9716295,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.21878856420516968},{"word":"at","start":1926.7151,"end":1926.875,"confidence":0.9944946,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18030963838100433},{"word":"with","start":1926.875,"end":1927.035,"confidence":0.98392975,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2894943654537201},{"word":"that","start":1927.035,"end":1927.275,"confidence":0.9978237,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.28282472491264343},{"word":"as","start":1927.275,"end":1927.515,"confidence":0.99967325,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2926700711250305},{"word":"well","start":1927.515,"end":1928.015,"confidence":0.88606703,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.24645446240901947},{"word":"in","start":1928.8401,"end":1929.16,"confidence":0.97500616,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.2526499629020691},{"word":"regards","start":1929.16,"end":1929.4,"confidence":0.9858474,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.1516791135072708},{"word":"to","start":1929.4,"end":1929.44,"confidence":0.93200904,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.299742192029953},{"word":"that","start":1929.44,"end":1929.48,"confidence":0.99612325,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2952919900417328},{"word":"and","start":1929.56,"end":1929.64,"confidence":0.88266253,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.24524612724781036},{"word":"yeah","start":1929.64,"end":1929.8,"confidence":0.9969967,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.3086933195590973},{"word":"you","start":1929.8,"end":1929.9601,"confidence":0.99770737,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.427030473947525},{"word":"do","start":1929.9601,"end":1930.2001,"confidence":0.99926835,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3771621584892273},{"word":"have","start":1930.2001,"end":1930.36,"confidence":0.9973884,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4063806831836701},{"word":"that","start":1930.36,"end":1930.6,"confidence":0.99878126,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4624149203300476},{"word":"1.1%","start":1930.6,"end":1931.8,"confidence":0.99742895,"punctuated_word":"1.1%","sentiment":"positive","sentiment_score":0.36335182189941406},{"word":"coupling","start":1931.8,"end":1932.28,"confidence":0.9402167,"punctuated_word":"coupling","sentiment":"neutral","sentiment_score":0.2734762132167816},{"word":"fee","start":1932.28,"end":1932.52,"confidence":0.9466779,"punctuated_word":"fee,","sentiment":"positive","sentiment_score":0.33932262659072876},{"word":"which","start":1932.52,"end":1932.76,"confidence":0.9999535,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.3447255790233612},{"word":"is","start":1932.76,"end":1933.0801,"confidence":0.9997428,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.33514606952667236},{"word":"still","start":1933.0801,"end":1933.3201,"confidence":0.9987186,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3505130410194397},{"word":"active","start":1933.3201,"end":1933.72,"confidence":0.7394692,"punctuated_word":"active.","sentiment":"neutral","sentiment_score":0.33254683017730713},{"word":"so","start":1933.72,"end":1933.88,"confidence":0.99956614,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4820048213005066},{"word":"that's","start":1933.88,"end":1934.12,"confidence":0.9994862,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.6369010806083679},{"word":"good","start":1934.12,"end":1934.28,"confidence":0.9995229,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6324175596237183},{"word":"as","start":1934.28,"end":1934.36,"confidence":0.99984014,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.6510759592056274},{"word":"well","start":1934.36,"end":1934.68,"confidence":0.99992645,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.6207175254821777},{"word":"in","start":1934.68,"end":1934.8401,"confidence":0.9491066,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6218478679656982},{"word":"terms","start":1934.8401,"end":1935.0801,"confidence":0.9999585,"punctuated_word":"terms","sentiment":"positive","sentiment_score":0.572162926197052},{"word":"of","start":1935.0801,"end":1935.16,"confidence":0.93910015,"punctuated_word":"of,","sentiment":"positive","sentiment_score":0.5150039196014404},{"word":"like","start":1935.16,"end":1935.3201,"confidence":0.9989441,"punctuated_word":"like,","sentiment":"positive","sentiment_score":0.4767303168773651},{"word":"your","start":1935.3201,"end":1935.48,"confidence":0.9967601,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5669680237770081},{"word":"ongoing","start":1935.48,"end":1935.88,"confidence":0.9995053,"punctuated_word":"ongoing","sentiment":"positive","sentiment_score":0.535951554775238},{"word":"fees","start":1935.88,"end":1936.28,"confidence":0.98835266,"punctuated_word":"fees,","sentiment":"positive","sentiment_score":0.4627578854560852},{"word":"which","start":1936.28,"end":1936.4401,"confidence":0.99995875,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5811063647270203},{"word":"is","start":1936.4401,"end":1936.6,"confidence":0.9997528,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5457711815834045},{"word":"good","start":1936.6,"end":1937.1,"confidence":0.9964788,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.42551058530807495},{"word":"perfect","start":1940.04,"end":1940.52,"confidence":0.9898758,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6158660650253296},{"word":"i'll","start":1940.52,"end":1941.02,"confidence":0.9997462,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.44287264347076416},{"word":"see","start":1941.125,"end":1941.365,"confidence":0.9974782,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.4914615750312805},{"word":"with","start":1941.365,"end":1941.4451,"confidence":0.97537416,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.49989068508148193},{"word":"the","start":1941.4451,"end":1941.525,"confidence":0.9993272,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5010563135147095},{"word":"team","start":1941.525,"end":1941.925,"confidence":0.999723,"punctuated_word":"team","sentiment":"positive","sentiment_score":0.38856276869773865},{"word":"and","start":1941.925,"end":1942.005,"confidence":0.9218087,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.40799227356910706},{"word":"touch","start":1942.005,"end":1942.165,"confidence":0.9995466,"punctuated_word":"touch","sentiment":"positive","sentiment_score":0.3628222644329071},{"word":"base","start":1942.165,"end":1942.405,"confidence":0.9990526,"punctuated_word":"base","sentiment":"positive","sentiment_score":0.3941168487071991},{"word":"when","start":1942.405,"end":1942.645,"confidence":0.99583745,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.4677765369415283},{"word":"she's","start":1942.645,"end":1942.805,"confidence":0.9535457,"punctuated_word":"she's","sentiment":"positive","sentiment_score":0.4727972149848938},{"word":"sort","start":1942.805,"end":1942.9651,"confidence":0.9958669,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.4077891707420349},{"word":"of","start":1942.9651,"end":1943.045,"confidence":0.9348688,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.503511905670166},{"word":"due","start":1943.045,"end":1943.285,"confidence":0.99735165,"punctuated_word":"due","sentiment":"positive","sentiment_score":0.42945340275764465},{"word":"for","start":1943.285,"end":1943.4451,"confidence":0.9975803,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4430376291275024},{"word":"annual","start":1943.4451,"end":1943.685,"confidence":0.61823034,"punctuated_word":"annual","sentiment":"positive","sentiment_score":0.42640653252601624},{"word":"review","start":1943.685,"end":1943.925,"confidence":0.9944174,"punctuated_word":"review","sentiment":"positive","sentiment_score":0.3775597214698791},{"word":"and","start":1943.925,"end":1944.0851,"confidence":0.9605291,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.45864352583885193},{"word":"when","start":1944.0851,"end":1944.245,"confidence":0.99968445,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.4016205668449402},{"word":"that's","start":1944.245,"end":1944.485,"confidence":0.99969316,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.43815624713897705},{"word":"coming","start":1944.485,"end":1944.7251,"confidence":0.9999194,"punctuated_word":"coming","sentiment":"positive","sentiment_score":0.38342785835266113},{"word":"up","start":1944.7251,"end":1944.885,"confidence":0.9998041,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3962453603744507},{"word":"there","start":1944.885,"end":1945.125,"confidence":0.99950767,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.469926655292511},{"word":"as","start":1945.125,"end":1945.2051,"confidence":0.9998833,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.42984190583229065},{"word":"well","start":1945.2051,"end":1945.7051,"confidence":0.9872639,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3359501361846924},{"word":"and","start":1946.165,"end":1946.405,"confidence":0.9189437,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1082729622721672},{"word":"then","start":1946.405,"end":1946.645,"confidence":0.96128786,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.10136209428310394},{"word":"yeah","start":1946.645,"end":1946.885,"confidence":0.9972254,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.09577257186174391},{"word":"even","start":1946.885,"end":1947.045,"confidence":0.99964213,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.07848487794399261},{"word":"if","start":1947.045,"end":1947.2051,"confidence":0.9999081,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07106112688779831},{"word":"she","start":1947.2051,"end":1947.365,"confidence":0.99991953,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.07655125111341476},{"word":"wants","start":1947.365,"end":1947.6051,"confidence":0.9988789,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.07292990386486053},{"word":"to","start":1947.6051,"end":1947.685,"confidence":0.99298346,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08082584291696548},{"word":"have","start":1947.685,"end":1947.8451,"confidence":0.9991737,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07623538374900818},{"word":"a","start":1947.8451,"end":1947.925,"confidence":0.9906968,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08579467236995697},{"word":"chat","start":1947.925,"end":1948.3251,"confidence":0.9998247,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.08653075248003006},{"word":"about","start":1948.3251,"end":1948.645,"confidence":0.99975294,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.061963967978954315},{"word":"sort","start":1948.645,"end":1948.885,"confidence":0.9819374,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06182581186294556},{"word":"of","start":1948.885,"end":1949.385,"confidence":0.99945503,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0834745317697525},{"word":"the","start":1949.4451,"end":1949.925,"confidence":0.9978682,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08263560384511948},{"word":"the","start":1949.925,"end":1950.005,"confidence":0.7905643,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07351202517747879},{"word":"mortgage","start":1950.005,"end":1950.505,"confidence":0.9601694,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.0716351568698883},{"word":"broker","start":1950.645,"end":1950.885,"confidence":0.9986946,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":0.06285595148801804},{"word":"or","start":1950.885,"end":1950.9651,"confidence":0.90804,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08934460580348969},{"word":"anything","start":1950.9651,"end":1951.285,"confidence":0.99980634,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.08725352585315704},{"word":"like","start":1951.285,"end":1951.4451,"confidence":0.9990963,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05448115989565849},{"word":"that","start":1951.4451,"end":1951.6051,"confidence":0.9993,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09874673187732697},{"word":"and","start":1951.6051,"end":1951.685,"confidence":0.55901146,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0833025723695755},{"word":"doing","start":1951.685,"end":1951.925,"confidence":0.9973283,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.09887291491031648},{"word":"that","start":1951.925,"end":1952.0851,"confidence":0.9995247,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11913181841373444},{"word":"review","start":1952.0851,"end":1952.485,"confidence":0.99000347,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.07187902927398682},{"word":"then","start":1952.485,"end":1952.7251,"confidence":0.99962556,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10755778849124908},{"word":"that's","start":1952.7251,"end":1952.9651,"confidence":0.9996594,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08885063976049423},{"word":"more","start":1952.9651,"end":1953.125,"confidence":0.9997408,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.06703350692987442},{"word":"than","start":1953.125,"end":1953.285,"confidence":0.9996811,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.049505531787872314},{"word":"fine","start":1953.285,"end":1953.6051,"confidence":0.99793845,"punctuated_word":"fine","sentiment":"neutral","sentiment_score":0.1908217966556549},{"word":"as","start":1953.6051,"end":1953.765,"confidence":0.9998894,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17700962722301483},{"word":"well","start":1953.765,"end":1954.2,"confidence":0.99966943,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.22909289598464969},{"word":"yeah","start":1957.1599,"end":1957.48,"confidence":0.9959811,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11757473647594452},{"word":"even","start":1957.48,"end":1957.7999,"confidence":0.9982383,"punctuated_word":"Even","sentiment":"neutral","sentiment_score":0.1038622036576271},{"word":"if","start":1957.7999,"end":1957.96,"confidence":0.99967444,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09329229593276978},{"word":"it's","start":1957.96,"end":1958.2799,"confidence":0.9883118,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07601034641265869},{"word":"like","start":1958.2799,"end":1958.7799,"confidence":0.5067434,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07698391377925873},{"word":"you","start":1958.84,"end":1958.8799,"confidence":0.9985227,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07454655319452286},{"word":"know","start":1958.8799,"end":1958.9199,"confidence":0.86073023,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07824142277240753},{"word":"you","start":1958.9199,"end":1959.08,"confidence":0.99935716,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07363612949848175},{"word":"don't","start":1959.08,"end":1959.32,"confidence":0.99992454,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.04748963564634323},{"word":"know","start":1959.32,"end":1959.6399,"confidence":0.9995283,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.032712239772081375},{"word":"unless","start":1959.6399,"end":1959.96,"confidence":0.9869892,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":0.05822458490729332},{"word":"you","start":1959.96,"end":1960.2,"confidence":0.9996277,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08894313871860504},{"word":"sort","start":1960.2,"end":1960.36,"confidence":0.9961808,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06481648981571198},{"word":"of","start":1960.36,"end":1960.6,"confidence":0.9982253,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0854262113571167},{"word":"have","start":1960.6,"end":1960.6799,"confidence":0.9995993,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08738552033901215},{"word":"a","start":1960.6799,"end":1960.76,"confidence":0.9992999,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1159999743103981},{"word":"look","start":1960.76,"end":1960.9199,"confidence":0.99998057,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05867962911725044},{"word":"at","start":1960.9199,"end":1961.0,"confidence":0.99972695,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09633653610944748},{"word":"it","start":1961.0,"end":1961.1599,"confidence":0.6749433,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.10659289360046388},{"word":"and","start":1961.1599,"end":1961.32,"confidence":0.8088902,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15817518532276154},{"word":"mortgage","start":1961.32,"end":1961.5599,"confidence":0.99379104,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.10667656362056732},{"word":"brokers","start":1961.5599,"end":1961.88,"confidence":0.9360704,"punctuated_word":"brokers","sentiment":"neutral","sentiment_score":0.12010591477155684},{"word":"are","start":1961.88,"end":1961.96,"confidence":0.9205646,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1852196753025055},{"word":"generally","start":1961.96,"end":1962.2799,"confidence":0.9992786,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.21625173091888428},{"word":"paid","start":1962.2799,"end":1962.5199,"confidence":0.99817824,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.19270560145378113},{"word":"through","start":1962.5199,"end":1962.6799,"confidence":0.9990214,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14387162029743197},{"word":"the","start":1962.6799,"end":1962.9199,"confidence":0.99905056,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1700844019651413},{"word":"institution","start":1962.9199,"end":1963.3999,"confidence":0.8824326,"punctuated_word":"institution,","sentiment":"neutral","sentiment_score":0.1929000020027161},{"word":"so","start":1963.3999,"end":1963.48,"confidence":0.9997614,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2147722840309143},{"word":"it","start":1963.48,"end":1963.6399,"confidence":0.999605,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.24425190687179563},{"word":"doesn't","start":1963.6399,"end":1963.88,"confidence":0.9999253,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.2138775885105133},{"word":"really","start":1963.88,"end":1964.12,"confidence":0.999603,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.16704854369163513},{"word":"cost","start":1964.12,"end":1964.44,"confidence":0.99937564,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.15731674432754517},{"word":"you","start":1964.44,"end":1964.84,"confidence":0.99905115,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16205531358718872},{"word":"to","start":1964.84,"end":1965.34,"confidence":0.9906617,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15588290989398956},{"word":"to","start":1965.48,"end":1965.6399,"confidence":0.88690543,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.135513573884964},{"word":"check","start":1965.6399,"end":1966.1399,"confidence":0.9936893,"punctuated_word":"check.","sentiment":"neutral","sentiment_score":0.10595189779996872},{"word":"and","start":1968.055,"end":1968.2151,"confidence":0.9930021,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21579812467098236},{"word":"then","start":1968.2151,"end":1968.4551,"confidence":0.99854386,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2193617969751358},{"word":"with","start":1968.4551,"end":1968.6951,"confidence":0.9747838,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.26611095666885376},{"word":"that","start":1968.6951,"end":1968.8551,"confidence":0.9743858,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.26188236474990845},{"word":"you","start":1968.8551,"end":1969.015,"confidence":0.999933,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.280280202627182},{"word":"might","start":1969.015,"end":1969.255,"confidence":0.9999356,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.3009859323501587},{"word":"be","start":1969.255,"end":1969.3351,"confidence":0.9997683,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.3120597302913666},{"word":"getting","start":1969.3351,"end":1969.5751,"confidence":0.99953806,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.27774736285209656},{"word":"a","start":1969.5751,"end":1969.7351,"confidence":0.9984706,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2897484302520752},{"word":"better","start":1969.7351,"end":1969.9751,"confidence":0.9998325,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.19273220002651217},{"word":"rate","start":1969.9751,"end":1970.375,"confidence":0.9959305,"punctuated_word":"rate","sentiment":"positive","sentiment_score":0.3645685315132141},{"word":"sort","start":1970.375,"end":1970.535,"confidence":0.9862634,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2114512026309967},{"word":"of","start":1970.535,"end":1970.615,"confidence":0.9968317,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27979472279548645},{"word":"thing","start":1970.615,"end":1970.8551,"confidence":0.9991423,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.28413766622543335},{"word":"as","start":1970.8551,"end":1971.015,"confidence":0.9993267,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.31236985325813293},{"word":"well","start":1971.015,"end":1971.515,"confidence":0.9966846,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.22991251945495603},{"word":"perfect","start":1974.6951,"end":1975.1951,"confidence":0.9903505,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.38792145252227783},{"word":"but","start":1975.5751,"end":1975.7351,"confidence":0.98089224,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.15443523228168488},{"word":"any","start":1975.7351,"end":1975.9751,"confidence":0.9915998,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.11250244081020357},{"word":"questions","start":1975.9751,"end":1976.295,"confidence":0.9992242,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.10896310210227966},{"word":"for","start":1976.295,"end":1976.4551,"confidence":0.97252333,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10384106636047365},{"word":"me","start":1976.4551,"end":1976.615,"confidence":0.9787996,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.13755038380622864},{"word":"there","start":1976.615,"end":1976.775,"confidence":0.60399485,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.12540121376514435},{"word":"danny","start":1976.775,"end":1976.935,"confidence":0.8586514,"punctuated_word":"Danny,","sentiment":"neutral","sentiment_score":0.10490158200263976},{"word":"while","start":1976.935,"end":1977.0951,"confidence":0.9931491,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.08091297000646591},{"word":"you've","start":1977.0951,"end":1977.3351,"confidence":0.9974898,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.11801531165838242},{"word":"got","start":1977.3351,"end":1977.415,"confidence":0.99901676,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1116720885038376},{"word":"me","start":1977.415,"end":1977.5751,"confidence":0.99858886,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06021769344806671},{"word":"in","start":1977.5751,"end":1977.655,"confidence":0.9987471,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0651644617319107},{"word":"regards","start":1977.655,"end":1978.055,"confidence":0.9985227,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.04011482372879982},{"word":"to","start":1978.055,"end":1978.135,"confidence":0.999572,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07798617333173752},{"word":"anything","start":1978.135,"end":1978.635,"confidence":0.99803275,"punctuated_word":"anything?","sentiment":"neutral","sentiment_score":0.07788834720849991},{"word":"not","start":1981.9099,"end":1982.1499,"confidence":0.9968772,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.09870155155658722},{"word":"a","start":1982.1499,"end":1982.23,"confidence":0.9996892,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11743219196796416},{"word":"problem","start":1982.23,"end":1982.47,"confidence":0.99889994,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.13350951671600342},{"word":"at","start":1982.47,"end":1982.5499,"confidence":0.9996147,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15188729763031006},{"word":"all","start":1982.5499,"end":1982.71,"confidence":0.9980228,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.21680857241153717},{"word":"well","start":1982.71,"end":1982.87,"confidence":0.9810288,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.21906766295433044},{"word":"i'll","start":1982.87,"end":1983.0299,"confidence":0.9996119,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.21857967972755432},{"word":"let","start":1983.0299,"end":1983.11,"confidence":0.9994892,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.21370944380760193},{"word":"you","start":1983.11,"end":1983.2699,"confidence":0.9996675,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23635372519493103},{"word":"get","start":1983.2699,"end":1983.4299,"confidence":0.9956873,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.19632132351398468},{"word":"back","start":1983.4299,"end":1983.59,"confidence":0.9999074,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2450985610485077},{"word":"to","start":1983.59,"end":1983.6699,"confidence":0.99362385,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2579059302806854},{"word":"your","start":1983.6699,"end":1983.83,"confidence":0.9630083,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.26325348019599915},{"word":"day","start":1983.83,"end":1984.07,"confidence":0.9984591,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":0.2622183561325073},{"word":"obviously","start":1984.07,"end":1984.47,"confidence":0.9973562,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.21695952117443085},{"word":"we'll","start":1984.47,"end":1984.6299,"confidence":0.999277,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2402711808681488},{"word":"be","start":1984.6299,"end":1984.7899,"confidence":0.9997974,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.253545343875885},{"word":"in","start":1984.7899,"end":1984.95,"confidence":0.999335,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23453515768051147},{"word":"touch","start":1984.95,"end":1985.2699,"confidence":0.99994683,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.19562436640262604},{"word":"once","start":1985.2699,"end":1985.5099,"confidence":0.9954456,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.2619538903236389},{"word":"they","start":1985.5099,"end":1985.6699,"confidence":0.98108655,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.20483754575252533},{"word":"sort","start":1985.6699,"end":1985.83,"confidence":0.9911873,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.21996229887008667},{"word":"of","start":1985.83,"end":1985.99,"confidence":0.8205824,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24247491359710693},{"word":"get","start":1985.99,"end":1986.23,"confidence":0.99942684,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.19976508617401123},{"word":"everything","start":1986.23,"end":1986.6299,"confidence":0.9998215,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.24621054530143735},{"word":"together","start":1986.6299,"end":1986.95,"confidence":0.9446264,"punctuated_word":"together,","sentiment":"neutral","sentiment_score":0.20997992157936096},{"word":"get","start":1986.95,"end":1987.0299,"confidence":0.9918996,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2339808493852615},{"word":"the","start":1987.0299,"end":1987.19,"confidence":0.9630701,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20790639519691467},{"word":"research","start":1987.19,"end":1987.5099,"confidence":0.9900718,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.2148532271385193},{"word":"together","start":1987.5099,"end":1987.75,"confidence":0.8214487,"punctuated_word":"together,","sentiment":"neutral","sentiment_score":0.21393200755119324},{"word":"and","start":1987.75,"end":1987.83,"confidence":0.9042244,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24053503572940824},{"word":"get","start":1987.83,"end":1987.99,"confidence":0.9959264,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2187743782997131},{"word":"that","start":1987.99,"end":1988.1499,"confidence":0.99892527,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23808418214321136},{"word":"document","start":1988.1499,"end":1988.6299,"confidence":0.9976004,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.26080286502838135},{"word":"together","start":1988.6299,"end":1988.95,"confidence":0.99974483,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.2603553831577301},{"word":"for","start":1988.95,"end":1989.19,"confidence":0.99968123,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.30110493302345276},{"word":"you","start":1989.19,"end":1989.59,"confidence":0.99981517,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2615657150745392},{"word":"in","start":1989.59,"end":1989.75,"confidence":0.8276427,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2662488520145416},{"word":"terms","start":1989.75,"end":1990.07,"confidence":0.99996376,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.2588515281677246},{"word":"of","start":1990.07,"end":1990.23,"confidence":0.9997452,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26163432002067566},{"word":"that","start":1990.23,"end":1990.73,"confidence":0.9949169,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2180570811033249},{"word":"update","start":1990.87,"end":1991.37,"confidence":0.99905354,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.22205060720443728},{"word":"and","start":1991.655,"end":1991.895,"confidence":0.989618,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19612373411655423},{"word":"getting","start":1991.895,"end":1992.135,"confidence":0.999532,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.22291623055934903},{"word":"that","start":1992.135,"end":1992.375,"confidence":0.99975234,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23326891660690308},{"word":"together","start":1992.375,"end":1992.6951,"confidence":0.99953425,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.24269211292266848},{"word":"for","start":1992.6951,"end":1992.935,"confidence":0.9996612,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3032763600349426},{"word":"you","start":1992.935,"end":1993.0951,"confidence":0.8906564,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11903943121433258},{"word":"and","start":1993.0951,"end":1993.255,"confidence":0.99923086,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2617794871330261},{"word":"then","start":1993.255,"end":1993.495,"confidence":0.9998342,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.18352961540222168},{"word":"we'll","start":1993.495,"end":1993.735,"confidence":0.9970617,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.33915913105010986},{"word":"have","start":1993.735,"end":1993.9751,"confidence":0.962701,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4093129634857178},{"word":"book","start":1993.9751,"end":1994.2151,"confidence":0.52002096,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.3167411983013153},{"word":"in","start":1994.2151,"end":1994.535,"confidence":0.7494131,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.25219398736953735},{"word":"have","start":1994.535,"end":1994.6951,"confidence":0.99768543,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3753949701786041},{"word":"a","start":1994.6951,"end":1994.855,"confidence":0.99783427,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31659162044525146},{"word":"chat","start":1994.855,"end":1995.0951,"confidence":0.8310683,"punctuated_word":"chat,","sentiment":"neutral","sentiment_score":0.3137233853340149},{"word":"and","start":1995.0951,"end":1995.175,"confidence":0.9995092,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3165437579154968},{"word":"see","start":1995.175,"end":1995.415,"confidence":0.999089,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.34012487530708313},{"word":"what","start":1995.415,"end":1995.5751,"confidence":0.9960522,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3678417503833771},{"word":"you","start":1995.5751,"end":1995.735,"confidence":0.99974114,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4878945946693421},{"word":"you","start":1995.735,"end":1995.8151,"confidence":0.62183,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4377168118953705},{"word":"think","start":1995.8151,"end":1996.055,"confidence":0.9995084,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.30932924151420593},{"word":"about","start":1996.055,"end":1996.2151,"confidence":0.9996723,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.3717610538005829},{"word":"it","start":1996.2151,"end":1996.295,"confidence":0.9145904,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.3449980616569519},{"word":"and","start":1996.295,"end":1996.375,"confidence":0.6116632,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.31918981671333313},{"word":"if","start":1996.375,"end":1996.4551,"confidence":0.9969909,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3399040997028351},{"word":"you","start":1996.4551,"end":1996.535,"confidence":0.999295,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.40797391533851624},{"word":"do","start":1996.535,"end":1996.6951,"confidence":0.9995264,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.29211917519569397},{"word":"wanna","start":1996.6951,"end":1996.935,"confidence":0.82001436,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.4125192761421203},{"word":"make","start":1996.935,"end":1997.0951,"confidence":0.9983364,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.3155333995819092},{"word":"some","start":1997.0951,"end":1997.3351,"confidence":0.99956256,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.23721101880073547},{"word":"changes","start":1997.3351,"end":1997.735,"confidence":0.9998012,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.25093135237693787},{"word":"from","start":1997.735,"end":1997.895,"confidence":0.9996495,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.30284279584884644},{"word":"that","start":1997.895,"end":1998.055,"confidence":0.9999201,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24024564027786255},{"word":"as","start":1998.055,"end":1998.135,"confidence":0.99904484,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2655947506427765},{"word":"well","start":1998.135,"end":1998.4551,"confidence":0.9970591,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.22287483513355255},{"word":"feel","start":1998.4551,"end":1998.6951,"confidence":0.99968946,"punctuated_word":"feel","sentiment":"positive","sentiment_score":0.339253306388855},{"word":"free","start":1998.6951,"end":1998.935,"confidence":0.99970394,"punctuated_word":"free","sentiment":"positive","sentiment_score":0.3427165746688843},{"word":"to","start":1998.935,"end":1999.175,"confidence":0.99938154,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3503895401954651},{"word":"sort","start":1999.175,"end":1999.495,"confidence":0.9913809,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.22305229306221008},{"word":"of","start":1999.495,"end":1999.5751,"confidence":0.99515945,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3227500319480896},{"word":"vase","start":1999.5751,"end":1999.895,"confidence":0.31526008,"punctuated_word":"vase","sentiment":"neutral","sentiment_score":0.24106431007385257},{"word":"any","start":1999.895,"end":2000.135,"confidence":0.6342665,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2223723530769348},{"word":"concerns","start":2000.135,"end":2000.615,"confidence":0.99847025,"punctuated_word":"concerns","sentiment":"neutral","sentiment_score":0.0696413666009903},{"word":"you","start":2000.615,"end":2000.775,"confidence":0.9992999,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30128735303878784},{"word":"may","start":2000.775,"end":2000.935,"confidence":0.9994524,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.09219588339328766},{"word":"have","start":2000.935,"end":2001.435,"confidence":0.99953055,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07948563992977142},{"word":"in","start":2001.495,"end":2001.655,"confidence":0.99834585,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14063040912151337},{"word":"regards","start":2001.655,"end":2002.055,"confidence":0.99826163,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.17921870946884155},{"word":"to","start":2002.055,"end":2002.135,"confidence":0.9951597,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24604517221450808},{"word":"it","start":2002.135,"end":2002.375,"confidence":0.9160264,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22510793805122375},{"word":"because","start":2002.375,"end":2002.6951,"confidence":0.5758498,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.16029533743858335},{"word":"obviously","start":2002.6951,"end":2003.015,"confidence":0.99845207,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.1273914873600006},{"word":"at","start":2003.015,"end":2003.175,"confidence":0.9962984,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15096652507781982},{"word":"the","start":2003.175,"end":2003.255,"confidence":0.95099705,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22599738836288452},{"word":"end","start":2003.255,"end":2003.415,"confidence":0.99956995,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.07934564352035522},{"word":"of","start":2003.415,"end":2003.495,"confidence":0.99642,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20405739545822144},{"word":"the","start":2003.495,"end":2003.5751,"confidence":0.7605641,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22778862714767456},{"word":"day","start":2003.5751,"end":2003.735,"confidence":0.9911847,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":0.1925247311592102},{"word":"it's","start":2003.735,"end":2003.895,"confidence":0.99658936,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.22969341278076172},{"word":"your","start":2003.895,"end":2004.055,"confidence":0.82310194,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.26516497135162354},{"word":"money","start":2004.055,"end":2004.295,"confidence":0.73409784,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":0.23396478593349457},{"word":"so","start":2004.295,"end":2004.535,"confidence":0.9997205,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.223586767911911},{"word":"you","start":2004.535,"end":2004.6951,"confidence":0.9997595,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3156992495059967},{"word":"can","start":2004.6951,"end":2005.015,"confidence":0.9976368,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.270282119512558},{"word":"have","start":2005.015,"end":2005.175,"confidence":0.9992512,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21641436219215393},{"word":"a","start":2005.175,"end":2005.255,"confidence":0.98788595,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17348453402519226},{"word":"say","start":2005.255,"end":2005.495,"confidence":0.9879743,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.13691118359565735},{"word":"if","start":2005.495,"end":2005.655,"confidence":0.9560496,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14127570390701294},{"word":"you","start":2005.655,"end":2005.8151,"confidence":0.6488034,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21554268896579745},{"word":"wanna","start":2005.8151,"end":2006.135,"confidence":0.90835625,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.18596097826957703},{"word":"go","start":2006.135,"end":2006.295,"confidence":0.99668425,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.18234294652938843},{"word":"ahead","start":2006.295,"end":2006.535,"confidence":0.99912196,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.2155553698539734},{"word":"with","start":2006.535,"end":2006.6951,"confidence":0.9995745,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1664820909500122},{"word":"it","start":2006.6951,"end":2006.775,"confidence":0.9990854,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12960253655910492},{"word":"or","start":2006.775,"end":2006.935,"confidence":0.9991742,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08016778528690338},{"word":"not","start":2006.935,"end":2007.27,"confidence":0.9991708,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":0.03474568948149681},{"word":"not","start":2008.9501,"end":2009.1901,"confidence":0.9564594,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.5370200276374817},{"word":"a","start":2009.1901,"end":2009.27,"confidence":0.9993781,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4682402014732361},{"word":"problem","start":2009.27,"end":2009.59,"confidence":0.9990402,"punctuated_word":"problem,","sentiment":"positive","sentiment_score":0.6053756475448608},{"word":"daniel","start":2009.59,"end":2009.91,"confidence":0.9908004,"punctuated_word":"Daniel.","sentiment":"positive","sentiment_score":0.607315182685852},{"word":"well","start":2009.91,"end":2010.23,"confidence":0.9993048,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.7391610741615295},{"word":"enjoy","start":2010.23,"end":2010.47,"confidence":0.99970263,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.7261520028114319},{"word":"the","start":2010.47,"end":2010.55,"confidence":0.9994898,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.811879575252533},{"word":"rest","start":2010.55,"end":2010.67,"confidence":0.9999708,"punctuated_word":"rest","sentiment":"positive","sentiment_score":0.7953187823295593},{"word":"of","start":2010.67,"end":2010.79,"confidence":0.9992324,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.843379557132721},{"word":"your","start":2010.79,"end":2010.9501,"confidence":0.9986732,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8100703358650208},{"word":"day","start":2010.9501,"end":2011.11,"confidence":0.9900644,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.7814120054244995},{"word":"take","start":2011.11,"end":2011.35,"confidence":0.9997744,"punctuated_word":"Take","sentiment":"positive","sentiment_score":0.6400046944618225},{"word":"it","start":2011.35,"end":2011.43,"confidence":0.9998729,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6386323571205139},{"word":"easy","start":2011.43,"end":2011.75,"confidence":0.97111636,"punctuated_word":"easy.","sentiment":"positive","sentiment_score":0.5481208562850952},{"word":"don't","start":2011.75,"end":2011.99,"confidence":0.9984338,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":0.11096976697444916},{"word":"work","start":2011.99,"end":2012.23,"confidence":0.9816297,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.15517571568489075},{"word":"too","start":2012.23,"end":2012.39,"confidence":0.99602306,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.06270165741443634},{"word":"hard","start":2012.39,"end":2012.55,"confidence":0.9959096,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.04022490978240967},{"word":"out","start":2012.55,"end":2012.63,"confidence":0.9989937,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09185856580734252},{"word":"there","start":2012.63,"end":2013.13,"confidence":0.9968136,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.09446993470191956},{"word":"brilliant","start":2017.2389,"end":2017.7389,"confidence":0.80184376,"punctuated_word":"Brilliant.","sentiment":"neutral","sentiment_score":0.26968079805374146},{"word":"alright","start":2017.8789,"end":2018.039,"confidence":0.88474137,"punctuated_word":"Alright,","sentiment":"neutral","sentiment_score":0.17420223355293274},{"word":"mate","start":2018.039,"end":2018.3589,"confidence":0.9734764,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":0.23428921401500705},{"word":"i'll","start":2018.3589,"end":2018.5189,"confidence":0.78361034,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.14250057935714722},{"word":"talk","start":2018.5189,"end":2018.7589,"confidence":0.99948955,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.1279796063899994},{"word":"soon","start":2018.7589,"end":2019.079,"confidence":0.9114004,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":0.07104681432247162},{"word":"catch","start":2019.079,"end":2019.319,"confidence":0.6992331,"punctuated_word":"Catch","sentiment":"neutral","sentiment_score":0.19184044003486633},{"word":"you","start":2019.319,"end":2019.4789,"confidence":0.97446966,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.657945454120636},{"word":"later","start":2019.4789,"end":2019.719,"confidence":0.99521685,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.4947129487991333},{"word":"bye","start":2019.719,"end":2020.219,"confidence":0.99432206,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.18356597423553467}],"paragraphs":{"transcript":"\nGood morning, Daniel. It's Carl calling from IP Financial Aid today. Yeah. Not too bad at all. Thanks for asking.\n\nI've got you scheduled in for that interview now. Is that now is still a good time? Perfect. Just to get started on that one, Daniel, if I could just pass you through security, just that name, date of birth, and kind of just we can get stuck into that one today. Perfect.\n\nThank you for that one. Now I know you already signed that ongoing service grant at the end of last year. Things obviously just got a little bit busy. We didn't get around to actually completing the full annual review there for you. So what we'll be doing there today is just running through a few documents there, how things have gone for the last twelve months, and then any potential updates there as well.\n\nSo what I will do there, Daniel, is I'll just run through, and I'll confirm a few details, make sure everything else is up to date there if that's alright. Perfect. The address hasn't changed. So yep. Great.\n\nAnd then you're still married to Brianna, and she's your next of kin. Is that still fine? Perfect. Just in regards to that one, we don't have a phone number for Brianna in the event that we couldn't reach you. Did you wanna put down a contact number for her?\n\nOr Yep. Perfect. Yep. Perfect. Great.\n\nAnd as I said, that's an interview that we couldn't reach you because that's not for any sort of marketing purchase purposes or anything like that as well. Right. Perfect. And still just the three kids at home? Perfect.\n\nNow in regards to your work, I know you're self employed there. Now are you still doing that role? Has that changed at all? Perfect. And then within regards to that one, we don't have your business name because you were sort of yet to name it the last time it was really spoken about.\n\nOkay. Still no. That's perfectly fine. And how long have you been self employed now since as opposed to, like, industry experience of, like, other employers? So, like, five years out.\n\nAlright. And how long have you been operating heavy equipment? Yep. Perfect. So quite some time.\n\nGot a bit under your belt. Right. And in terms of, like, hours you're working per week, do you know roughly sort of what hours you're pulling each week? Perfect. And you're still paying yourself the $1.20 per annum?\n\nYeah. Not a problem. And then as far as your, like, savings and expenditures go, do you know roughly obviously, you know, with the the build on the land and things like that, things are probably a little bit more stretched than usual. But do you know roughly what your expenditures and savings are per week? You don't have a set amount that you're sort of trying to put away in a savings account or an offset account, I think?\n\nYep. And did your partner deal with, like, the household expenses type deal and you're just putting yeah. Yep. Not a problem. And in terms of super guarantee, now I know at one point you were, like, sort of doing 20,000 per annum as, like, lump sum concessional contributions.\n\nAre you planning on starting those back up at all, or are you Okay. Yeah. Because, obviously, that does make a difference in regards to your superannuation. Like, obviously, you've got nice amount of assets outside of superannuation from, like, being self employed and being able to contribute a lot more of that money towards those sort of assets paying off the mortgage investment property, things like that as well. But it does sort of, you know, affect your your balance and how that does grow as well if you're not contributing to to superannuation.\n\nThat's that's fine. I'll leave that with you in your meeting with the account. And if you're just sort of planning on do it as well, you can obviously do the concession and claim that notice of intent, but he'll know all about that as well. Perfect. And then as far as the assets and liabilities, you know, it's updated.\n\nSo the house is worth around 400 with no no mortgage left on that one. Yeah. The old primary. Yep. And is that now an investment property like you're not living in anymore?\n\nYep. And then as far as, like, the land you had in that build there, that's all finalized now, and you're living in that one currently? Yep. And do you know roughly what that one's worth now? Close to a yep.\n\nPerfect. And then do you know roughly what's owing left on that one? Yep. Yep. And then with that one, did you speak to a mortgage broker when you set up that sort of split of, like, not having any loan against the investment property versus, like, your primary residence and things like that?\n\nYeah. Yeah. Because just, obviously, in regards to, like, investment properties at the moment, you can still deduct the interest on, like, the loans for investments versus, like, your primary residence. So sometimes they do do a split between, like, the investment and your primary. So at least, like, the interest getting paid on the investment, one, you're earning an income with that, and then two, the interest on those repayments is a deduction versus, like, your your primary residence.\n\nAnd then if you did wanna review your home loan, we do have some mortgage brokers that we sort of liaison that are part of, like, trusted partners. So if you ever do wanna, like, look at revisiting or refinancing and things like that as well, feel free to give us a shout, and we can sort of pass your details along if you'd like. Yeah. Especially if you, like, haven't really looked at your loan since, like, the house was built and finalized and things like that because you might have a bit more equity than you think, and that might sort of be able to, you know, affect, like, what sort of loan rate you can get as well and whether or not it's worth Yeah. So if you have a chat with your your partner there and wanna have a look into that, feel free, and we can just pass along your your details to one of the mortgage brokers here.\n\nAnd other assets there, I've got your truck worth around the 55,000 and a machine estimated worth around the 85. Is that about right? Yep. Yep. And have you managed to pay most of that off now?\n\nIs there anything owing on that escrow? Perfect. And as far as any other assets and liabilities that I haven't mentioned, you said you've got a bit of a savings built up as well. Do you know roughly sort of how much is sitting in that? $1.40.\n\nAnd is that an offset or a savings account? Yep. And do you have that in a high interest savings account at the moment? Because with that too, obviously oh, sorry? Yes.\n\nThe other option there is you can look at setting up an offset account with your your bank or, like, with the your, like, loan provider there, so, like, who it's with. And you can leave it sitting in the offset. And what that does is essentially, like, it's like being on the mortgage, but it's not. Like, you still have full access to it. It's the exact same as in everyday spending, but you won't get interest on it.\n\nAll it would do is, like, offset the interest that you would be paying on your home loan. So, essentially, instead of paying the interest on a $700,000 debt, you'd be paying it closer to, you know, that $5.60 mark in terms of, like, the interest repayment you'd be making. So that's something you can look into as well if you're not really got in a high interest or not doing much with it. I'm assuming your home rate is probably up around that sort of five, maybe sort of 5% mark in terms of, like, what you're paying. Yeah.\n\nWhich which is, yeah, which is definitely higher than what you'd be getting currently at least, not being in, like, a high interest saver or, like, a term deposit and things like that as well. So you could be offsetting, like, the interest of, like, four to 5% of your mortgage as opposed to getting, you know, like, your two two point something percent interest earned on the the savings account, if that makes sense. So that's another thing to be be mindful of and potentially look into there as well. Obviously, if you wanna have a bit more conversation around it or with your partner as well, that's more than fine. Happy to have a a bit more of a chat.\n\nBut it seems like she does deal with a lot of it as well, so feel free just to mention it to her. And so if you've entered these one previously as well, it's updated the workbook a little bit, but you've now declared bankruptcy or a partner on debt agreement? Yeah. No. That's fine.\n\nAnd as far as your health's going, you're not sort of a smoker still, no injuries, medications currently? Perfect. And have you got private health cover at the moment there, Danny? No. That's fine.\n\nAnd then as far as the estate planning side of things goes, I know you didn't have a will set up the last time you spoke to us there. Have you managed to get around to looking into a will? Yep. Because yeah. We don't draw up wills.\n\nWe can have conversations around how you can split your estates and things like that and have a general sort of discussion on how you might wanna split it. Obviously, with the young family and your partner, generally, you know, you just leave it to your spouse. And then, like, worst case scenario, there'd be, like, someone else that would look after potentially the children. They'd get you know, as they come of age type deal, which a lawyer all can do. We can send you through just a local solicitor's information booklet on their general pricing a little bit more about wills and estates.\n\nAnd then the other thing you can look to potentially do is if you're just looking to get a slot together one is just like a post office full, they're generally a lot cheaper, not as ironclad. But in saying that yeah. No. And even then, like, even if you've got, like, a will set up by a solicitor, the the likelihood is is, like, if someone comes out of the woodwork, you know, your next spouse, there's a separation, things like that, and people tend to claim anyway and, like, challenge the estates. So even with with a will, it can sort of be tied up sort of thing.\n\nAnd when there's not a will, it just gets real messy real quickly. Yeah. So with that, we could just send that through and then any sort of updates so we can put a reminder in those documents just to make sure you've got those sort of set. Perfect. And I'll just double check-in regards to your beneficiary forms and see if that's up to date.\n\nYes. I've got the three children there as beneficiaries on your your superannuation. Yeah. Perfect. Something to be mindful of is that as well as spouses will always receive money from superannuation and, like, insurance policy through super tax free because they'll always be a tax dependent as well as, like, a dependent through super law.\n\nChildren are always a dependent through super law, but once they turn, like, over 18 and you're no longer sort of supporting them if they move out of home, things like that, they're no longer considered, like, dependent on you, and then they might not be considered a tax dependent. So they can still receive the funds. They'll just have to pay tax on that. Other yeah. Otherwise, you can look at sort of sending it to the the estate, and you can get rid of sort of the Medicare levy taxes that might be associated with that death benefit.\n\nOr you can just leave it to your spouse and then sort of leave other things outside of that to your your children to sort of equal things out once they sort of get a bit older and things like that. Something just to be mindful of. Yeah. Obviously, I think the kids are still quite young. They're sort of in their early teens there, so you've still got a bit of time to think about how you might wanna structure that.\n\nAnd you can even have a chat with the lawyer how you might wanna structure things a little bit as well with, like, a joint will with your partner and things like that as well. Yeah. Perfect. And this one's a bit of a random one, but you're not politically exposed at all that I you don't have any sort of role in politics or any family in politics or local council, things like that? Yeah.\n\nBrilliant. Bit of a weird one, but it's part of our anti money laundering. Yeah. And then you're no tax resident anywhere else but Australia at the moment? Sorry.\n\nYeah. There's just a few ones that have updated there. And as far as goals are concerned there, I know your main goal is to just pay down your current loans there, make sure everything on the bill was finalized, get in there. Is there any other goals that you're working towards at the moment? Yeah.\n\nGrow the business a little bit. Maybe get someone under your sort of thing as well. Just expand just a tiny bit. Yep. And is that sort of the main goal moving forward?\n\nYou're not sort of looking at anything major in the next sort of two or three years, the next five years? Perfect. Give that to to someone else and run a second crew, something like that. You get the nice machine. Yeah.\n\nThat that'd be the way. As far as your risk profile goes, we'll just go through a few questions there and make sure that's still up to date there. So you're currently in a high growth. It's around that ninety ten sort of split. So 90% growth assets, about 10% defensive.\n\nAnd we'll just go through a few questions to make sure that's still up to date there for you. So in regards to most aggressive investment you've made, have you had any direct share holdings or bought any direct shares recently or before? Yep. That's fine. And then with inflation, obviously, you know, having a younger family probably feel it a little bit more than most of the cost of living, but are you still willing to accept a moderate sort of amount of risk to outpace inflation or a higher amount of risk to outpace inflation?\n\nNo. That's fine. So in regards to, like, inflation, obviously, as that goes up, your money can sort of devalue if it's just sort of sitting in the blank the bank or you're just getting, like, the cash interest rate as opposed to, like, being invested in getting a greater return. Obviously, that caves with the level of risk. How much risk do you think you'd be willing to take to sort of grow your money?\n\nWould you say you're a bit of a moderate risk taker or a higher risk taker? Yep. Not a problem. And then as far as if your portfolio was to decrease, so, obviously, there's ups and downs in the market. And with, you know, what's been going on the past sort of year with Trump's tariffs, the wars, those sort of things kicking off.\n\nIt's been a bit of a a bit of a down. But in saying that, how much would it have to drop before you'd be quite concerned? Like, if it dropped by 20%, would you just still hold it out and know that sort of, you know, the markets would turn around, or would you say that you'd look to maybe be a bit more secure and a bit more defensive in your investments? Or Yeah. So, like, in regards to the markets, obviously, they've gone backwards a little bit this sort of last twelve months.\n\nBut if it was to die sort of like COVID, would you still be comfortable putting money, like, in your superannuation for those investments to return at a later date and like having sort of conviction that they will sort of return at some point? Yeah. Yep. Perfect. And then with that, though, did that make you a bit cautious at all or sorta concerned when it did dip during COVID?\n\nYeah. So previously, you're a little bit more optimistic about market outcomes, but obviously, if a World War three kicks off, you're a little bit more pessimistic with that one. Yeah. No. Completely understandable.\n\nAnd then with borrowed money, obviously, you've got borrowed money for, you know, like, the investment property there and your your primary residence. But would you ever put borrowed money into anything riskier like an investment portfolio? So if you had, like, a loan or redraw on your mortgage to have, like, an investment outside of superannuation, would you ever consider that? Yeah. So, obviously, you've, like, set yourself up well with, like, the property side of things, having your primary residence there, having an investment property.\n\nThe next sort of step after that, once you're sort of comfortable with your level of debt and paying down your your mortgage would be to sort of potentially look at, you know, leveraging some some debt there to either have, like, an investment portfolio and or another investment outside of superannuation to help continue to grow your wealth while you're you're working sort of thing. Because, obviously, the the potential upside is a lot higher with, like, using other people's money or the bank's money to be able to sort of get a return on investment versus, like, the loan repayments. Obviously, you know, the risk of that is if, like, the markets were to go down, you're still liable for that loan at the rate you sort of borrowed at as well, which is something to be mindful of. But that's a few years down the track yet, so that's more than fine. That does bring you out to a high growth investor, which is still in line with what they currently got you in.\n\nAre you still happy being in a high growth portfolio? Yep. Obviously, you've got the the time horizon there as well to be able to weather those dips in the market a little bit as well. Now in terms of the other documents we're gonna provide you there, so I know you completed that ongoing service agreement already, but I'll send out a notice on there. Some of this contain a tax file opt in form as a signable docket.\n\nThat's just the they've updated the form on where we store your tax file number. It'll also have your your Vanguard index chart shows the sort of market that we're at thirty year period, your dividend currency for your insurances, also your twelve month performance. Now in regards to that, as I said, with everything that did occur, it has not had a great year. It only did, like, point 47% after fees, and that's largely due to the tech sector taking a bit of a dive. The the market sort of dipping with the announcement of those wars and then also a your underlying investment, the active portion, Benelon.\n\nThey had an underlying asset that was done for not reporting correctly, which caused them to have to reevaluate that stock and the fund itself to, like, basically, they've lost a a bit of funds under management due to that. Now because of that dip and then the fact that everything has occurred there, as a business, they made a decision to move away from the Bennelong, equities managed fund and look at updating those portfolios. Now given your time on board, it's probably better to have, like, a bit of a refresh totally of your portfolio because it is a little bit tech heavy, which I'm a bit concerned about there as well, given how that has sort of traveled the last year as well. So we can look at just updating that as a whole. Now the options there is we can look to have it to where you still have an active portion in that, or we can look to just go sort of fully passive.\n\nAnd then with that, you do pay a lower investment cost, and it just kinda tracks what the markets are doing. And you're not sort of betting on a fund manager to make the right decisions, especially with the markets at the moment, there is obviously opportunities to be able to outperform the market when the markets are topsy-turvy like this. But also with those many funds, it's also like that did occur as the option that it does potentially out like, perform worse than just what the markets are doing as well, if that makes sense. Yeah. Because we can show you sort of what it looks like, and then you can sort of make a decision.\n\nWe can show you what the, like, if we go with a more passive approach, which is that lower cost, it will save you sort of ongoing money. And given that you're not contributing sorta at the moment, it'll mean that you sort of like, fees are lower in terms of, like, the investment cost, which is, like, a guaranteed savings even if it doesn't perform as well as, like, if you didn't have an active portal portion that did perform well, if that makes sense. Because it's not like the whole port yeah. It's not like the whole portfolio would be active anyway. There would be a portion that would be passive that sorta is lower cost.\n\nThe core of the portfolio with, like, either the active portion or not. It's a bit of a flip of the coin at the moment. Obviously, with the markets, like, overall, they still, like, have been tracking well over the past five years just with the indexes. So you can't really go wrong if you were just in the indexes for the past five years. And in saying that it is oh, sorry.\n\nYeah. So yeah. So so with that, like, as long as the the markets continue to tick along, like, they haven't responded, like, horrifically to those, like, wars. Obviously, if it kicks off a little bit more, it may sort of take, like, a significant dive, but it's still sorta, you know, ticking along at a pace. Whereas, like, if you do a managed fund, they're obviously making those bets and, you know, it's a lot harder to make the the right sort of bets when the the times like now when things change so significantly and sort of something you can't really put on paper as to what you think is gonna happen because, you know, no one sort of saw the the Iran and Venezuela thing coming sort of, you know, in your bingo card for the start of 2026.\n\nYep. As I said, like yeah. And you'll still have the same allocation to, like, growth assets. You just won't have, like, an active fund manager trying to, like, do buyers and sales to find value in the market. It'll just track what the market themselves are doing.\n\nPerfect. And then with that there, that documents there for you to review just what did occur the last twelve months there will just be going to DanielMullins1@BigPond.com, if that's still correct? Perfect. So that'll come through. So feel free to review that and come back with any questions you may have.\n\nNow the other thing I want to have a quick chat about is that you've got the the life and TPD portion. With your insurances, you don't currently hold any income protection or, like, trauma insurance. Now given that you have through business. Yep. Is it like a key person's business insurance, or is it like an actual income protection policy?\n\nOkay. That's how long it will last through to? Yep. And are your insurances something that you wanna review? Because, obviously, at the moment, your death and total parent dispute at the moment, they cover, you know, for about, like, a bit over half of, like, your current mortgage debt.\n\nOkay. And you don't like, obviously, you have the income protection policy with us or the trauma insurance, which is, like, an outside super insurance in the event that anything needs to happen, but, like, strokes, heart attacks, things like that. Is this something you wanna look at reviewing and going through the pre assessment process to be out of sort of review those insurances, giving you a new level of debt? Or yeah. Obviously, it, like, it comes down to, like, what you're comfortable with.\n\nObviously, if your partner is still working as well and she's able to cover, like, her half of the debt, if, like, were to go wrong, it just means that worst case scenario, if something did happen to you and you're unable to work and you are totally permanently disabled, you would be able to pay off about half the mortgage. But when it comes to anything far that, you'd probably have to look at either, you know, relying on your investment property income, government assistance programs that you're eligible for, things like that as well. If you could yeah. That yeah. If you increase the sum insured, obviously, it does go up.\n\nAt the moment, you're only paying around 1,100 per annum in terms of, like, insurance cost, so it's not very high. You could look to either increase, you know, the the benefit amount for life and TPD or look at, you know, doing a lump sort of together with an IP policy and just having it all in one spot or looking at, you know, the outside trauma insurance as well. But if you're comfortable with the level of amount that you do have currently, it's not to say that it's bad by any means. It just means you'd have to work towards being a little bit more self insured, which is where savings comes into it, building up your equity within the property, things like that as well. Because all yeah.\n\nAll insurance is at the end of the day is, like, risk mitigation. There's no, like, sort of guarantee you're ever gonna claim on it. So some people do prefer to work towards being a little bit more self insured and not having to pay as high premium and just having a little bit of it. Some people like to cover fully if anything was to go wrong and then sort of not self insure as much at the end of the day as well. Yep.\n\nNo. Completely understandable. If you're you're happy with that and you're happy with the level of covers that you have, if you could email through the the IP policy just so we could have it on file as something we have, and then we might get them to send out a third party authority just to get a bit of information on that one just so we've got it for our reference as well if anything does happen. But I'll what was that? Sorry.\n\nJust cut out just a little bit. Yeah. Perfect. Do you have one of our emails there, like info at Oakview Financial already? I'm not too sure if it does come through as the same one as the newsletter, but it is just info at Oakview Financial dot com dot a u.\n\nYeah. Okay. Brilliant. If you just send that one through, that'd be great. So we're gonna review that.\n\nAnd then in the back end there, we'll just look at doing the research on that, look at getting that updated there for you in terms of the investment review. But is there any anything else that you wanted particular advice on anything else you wanted to review at the moment? Like, obviously, I know you're speaking to an account and maybe have a chat with a a mortgage broker down the track, but if you reach out. But is there anything that you want specifically addressed or reviewed at this time? Like or pretty yeah.\n\nThat's not a problem at all. Obviously yeah. I think when would that be coming up? I'd have to check when her annual review would be be coming up there as okay. Yep.\n\nRight. Well, yeah, I'll see where that's at with that as well. In regards to that and, yeah, you do have that 1.1% coupling fee, which is still active. So that's good as well in terms of, like, your ongoing fees, which is good. Perfect.\n\nI'll see with the team and touch base when she's sort of due for annual review and when that's coming up there as well. And then, yeah, even if she wants to have a chat about sort of the the mortgage broker or anything like that and doing that review, then that's more than fine as well. Yeah. Even if it's like, you know, you don't know unless you sort of have a look at it. And mortgage brokers are generally paid through the institution, so it doesn't really cost you to to check.\n\nAnd then with that, you might be getting a better rate sort of thing as well. Perfect. But any questions for me there, Danny, while you've got me in regards to anything? Not a problem at all. Well, I'll let you get back to your day.\n\nObviously, we'll be in touch once they sort of get everything together, get the research together, and get that document together for you in terms of that update and getting that together for you. And then we'll have book in, have a chat, and see what you you think about it. And if you do wanna make some changes from that as well, feel free to sort of vase any concerns you may have in regards to it because, obviously, at the end of the day, it's your money, so you can have a say if you wanna go ahead with it or not. Not a problem, Daniel. Well, enjoy the rest of your day.\n\nTake it easy. Don't work too hard out there. Brilliant. Alright, mate. I'll talk soon.\n\nCatch you later. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Daniel.","start":2.24,"end":2.96,"sentiment":"neutral","sentiment_score":0.24745717644691467},{"text":"It's Carl calling from IP Financial Aid today.","start":2.96,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.1153274392709136},{"text":"Yeah.","start":7.8399997,"end":8.24,"sentiment":"neutral","sentiment_score":0.22327575087547305},{"text":"Not too bad at all.","start":8.24,"end":8.88,"sentiment":"positive","sentiment_score":0.3515957951545715},{"text":"Thanks for asking.","start":8.88,"end":9.5199995,"sentiment":"positive","sentiment_score":0.6634754339853922}],"sentiment":"neutral","sentiment_score":0.28183360360562804,"num_words":20,"start":2.24,"end":9.5199995},{"sentences":[{"text":"I've got you scheduled in for that interview now.","start":9.5199995,"end":11.679999,"sentiment":"positive","sentiment_score":0.34111376934581333},{"text":"Is that now is still a good time?","start":11.679999,"end":13.155,"sentiment":"neutral","sentiment_score":0.2720436491072178},{"text":"Perfect.","start":15.715,"end":16.215,"sentiment":"positive","sentiment_score":0.6131665110588074},{"text":"Just to get started on that one, Daniel, if I could just pass you through security, just that name, date of birth, and kind of just we can get stuck into that one today.","start":16.275,"end":22.055,"sentiment":"neutral","sentiment_score":0.2691972777247429},{"text":"Perfect.","start":31.25,"end":31.65,"sentiment":"positive","sentiment_score":0.5404756665229797}],"sentiment":"neutral","sentiment_score":0.2934475988149643,"num_words":53,"start":9.5199995,"end":31.65},{"sentences":[{"text":"Thank you for that one.","start":31.65,"end":32.95,"sentiment":"positive","sentiment_score":0.6359094381332397},{"text":"Now I know you already signed that ongoing service grant at the end of last year.","start":33.17,"end":36.85,"sentiment":"neutral","sentiment_score":0.14853725023567677},{"text":"Things obviously just got a little bit busy.","start":36.85,"end":38.13,"sentiment":"neutral","sentiment_score":-0.05367271322757006},{"text":"We didn't get around to actually completing the full annual review there for you.","start":38.13,"end":41.155,"sentiment":"neutral","sentiment_score":0.026299220509827137},{"text":"So what we'll be doing there today is just running through a few documents there, how things have gone for the last twelve months, and then any potential updates there as well.","start":41.155,"end":50.355,"sentiment":"neutral","sentiment_score":0.08070500660687685}],"sentiment":"neutral","sentiment_score":0.10770014382898807,"num_words":75,"start":31.65,"end":50.355},{"sentences":[{"text":"So what I will do there, Daniel, is I'll just run through, and I'll confirm a few details, make sure everything else is up to date there if that's alright.","start":50.355,"end":57.469997,"sentiment":"neutral","sentiment_score":0.08729362885157267},{"text":"Perfect.","start":58.09,"end":58.59,"sentiment":"neutral","sentiment_score":0.2655019760131836},{"text":"The address hasn't changed.","start":59.69,"end":61.29,"sentiment":"neutral","sentiment_score":0.07137788413092494},{"text":"So yep.","start":61.29,"end":62.829998,"sentiment":"neutral","sentiment_score":0.07298366911709309},{"text":"Great.","start":63.53,"end":64.03,"sentiment":"neutral","sentiment_score":0.2735966742038727}],"sentiment":"neutral","sentiment_score":0.09445753659268744,"num_words":38,"start":50.355,"end":64.03},{"sentences":[{"text":"And then you're still married to Brianna, and she's your next of kin.","start":65.13,"end":69.05,"sentiment":"neutral","sentiment_score":0.1313207080731025},{"text":"Is that still fine?","start":69.05,"end":70.035,"sentiment":"neutral","sentiment_score":0.1071275994181633},{"text":"Perfect.","start":72.115005,"end":72.615005,"sentiment":"neutral","sentiment_score":0.1685842126607895},{"text":"Just in regards to that one, we don't have a phone number for Brianna in the event that we couldn't reach you.","start":72.83501,"end":77.955,"sentiment":"neutral","sentiment_score":-0.05202759184281935},{"text":"Did you wanna put down a contact number for her?","start":77.955,"end":80.515,"sentiment":"neutral","sentiment_score":-0.024239212833344938}],"sentiment":"neutral","sentiment_score":0.018345293328166007,"num_words":50,"start":65.13,"end":80.515},{"sentences":[{"text":"Or Yep.","start":80.515,"end":82.35,"sentiment":"neutral","sentiment_score":0.01505286991596222},{"text":"Perfect.","start":82.35,"end":82.85,"sentiment":"neutral","sentiment_score":0.10349036753177644},{"text":"Yep.","start":85.07,"end":85.57,"sentiment":"neutral","sentiment_score":0.02694916725158691},{"text":"Perfect.","start":88.75,"end":89.25,"sentiment":"neutral","sentiment_score":0.08113323897123337},{"text":"Great.","start":92.03,"end":92.53,"sentiment":"neutral","sentiment_score":0.12066524475812912}],"sentiment":"neutral","sentiment_score":0.06039062639077505,"num_words":6,"start":80.515,"end":92.53},{"sentences":[{"text":"And as I said, that's an interview that we couldn't reach you because that's not for any sort of marketing purchase purposes or anything like that as well.","start":92.75,"end":98.985,"sentiment":"neutral","sentiment_score":-0.08687026333063841},{"text":"Right.","start":100.405,"end":100.905,"sentiment":"neutral","sentiment_score":0.12467234581708908},{"text":"Perfect.","start":102.485,"end":102.805,"sentiment":"neutral","sentiment_score":0.21237841248512268},{"text":"And still just the three kids at home?","start":102.805,"end":104.665,"sentiment":"neutral","sentiment_score":0.07779815001413226},{"text":"Perfect.","start":108.085,"end":108.585,"sentiment":"neutral","sentiment_score":0.0395457036793232}],"sentiment":"neutral","sentiment_score":-0.036753479773417495,"num_words":39,"start":92.75,"end":108.585},{"sentences":[{"text":"Now in regards to your work, I know you're self employed there.","start":109.445,"end":112.585,"sentiment":"neutral","sentiment_score":0.007679159326168398},{"text":"Now are you still doing that role?","start":113.329994,"end":115.09,"sentiment":"neutral","sentiment_score":0.019075412835393633},{"text":"Has that changed at all?","start":115.09,"end":116.46999,"sentiment":"neutral","sentiment_score":0.006436021998524666},{"text":"Perfect.","start":119.49,"end":119.99,"sentiment":"neutral","sentiment_score":0.3281155824661255},{"text":"And then within regards to that one, we don't have your business name because you were sort of yet to name it the last time it was really spoken about.","start":120.28999,"end":126.495,"sentiment":"neutral","sentiment_score":-0.03727561514824629}],"sentiment":"neutral","sentiment_score":-0.009678090185942975,"num_words":55,"start":109.445,"end":126.495},{"sentences":[{"text":"Okay.","start":128.575,"end":129.075,"sentiment":"neutral","sentiment_score":0.017471352592110634},{"text":"Still no.","start":129.615,"end":130.41501,"sentiment":"neutral","sentiment_score":0.025090644136071205},{"text":"That's perfectly fine.","start":130.41501,"end":131.715,"sentiment":"neutral","sentiment_score":0.2258380651473999},{"text":"And how long have you been self employed now since as opposed to, like, industry experience of, like, other employers?","start":132.575,"end":138.035,"sentiment":"neutral","sentiment_score":0.02334465002641082},{"text":"So, like, five years out.","start":147.06999,"end":148.03,"sentiment":"neutral","sentiment_score":0.02960379458963871}],"sentiment":"neutral","sentiment_score":0.04387350999299557,"num_words":31,"start":128.575,"end":148.03},{"sentences":[{"text":"Alright.","start":148.03,"end":148.26999,"sentiment":"neutral","sentiment_score":0.04544548690319061},{"text":"And how long have you been operating heavy equipment?","start":148.26999,"end":150.76999,"sentiment":"neutral","sentiment_score":0.022754591372278},{"text":"Yep.","start":156.495,"end":156.995,"sentiment":"neutral","sentiment_score":0.21784794330596924},{"text":"Perfect.","start":157.05501,"end":157.455,"sentiment":"positive","sentiment_score":0.47590702772140503},{"text":"So quite some time.","start":157.455,"end":158.515,"sentiment":"neutral","sentiment_score":0.2588901221752167}],"sentiment":"neutral","sentiment_score":0.12372201681137085,"num_words":16,"start":148.03,"end":158.515},{"sentences":[{"text":"Got a bit under your belt.","start":158.575,"end":159.875,"sentiment":"neutral","sentiment_score":0.16023367643356323},{"text":"Right.","start":162.41501,"end":162.91501,"sentiment":"neutral","sentiment_score":0.08022917807102203},{"text":"And in terms of, like, hours you're working per week, do you know roughly sort of what hours you're pulling each week?","start":163.295,"end":170.12999,"sentiment":"neutral","sentiment_score":0.029070860621604053},{"text":"Perfect.","start":184.125,"end":184.625,"sentiment":"neutral","sentiment_score":0.29069843888282776},{"text":"And you're still paying yourself the $1.20 per annum?","start":186.765,"end":189.825,"sentiment":"neutral","sentiment_score":0.030035760046707258}],"sentiment":"neutral","sentiment_score":0.05749257563207394,"num_words":39,"start":158.575,"end":189.825},{"sentences":[{"text":"Yeah.","start":196.78,"end":197.09999,"sentiment":"neutral","sentiment_score":0.06725335121154785},{"text":"Not a problem.","start":197.09999,"end":197.92,"sentiment":"neutral","sentiment_score":0.10518053298195203},{"text":"And then as far as your, like, savings and expenditures go, do you know roughly obviously, you know, with the the build on the land and things like that, things are probably a little bit more stretched than usual.","start":199.09999,"end":208.485,"sentiment":"neutral","sentiment_score":-0.060833170341375545},{"text":"But do you know roughly what your expenditures and savings are per week?","start":208.485,"end":212.265,"sentiment":"neutral","sentiment_score":-0.021920757224926583},{"text":"You don't have a set amount that you're sort of trying to put away in a savings account or an offset account, I think?","start":231.875,"end":236.215,"sentiment":"neutral","sentiment_score":-0.12336819727594654}],"sentiment":"neutral","sentiment_score":-0.06544381589628756,"num_words":80,"start":196.78,"end":236.215},{"sentences":[{"text":"Yep.","start":244.61,"end":245.11,"sentiment":"neutral","sentiment_score":0.03535347431898117},{"text":"And did your partner deal with, like, the household expenses type deal and you're just putting yeah.","start":245.17,"end":249.75,"sentiment":"neutral","sentiment_score":0.007574948317864362},{"text":"Yep.","start":263.81998,"end":264.3,"sentiment":"neutral","sentiment_score":-0.033179283142089844},{"text":"Not a problem.","start":264.3,"end":265.28,"sentiment":"neutral","sentiment_score":0.16540644814570746},{"text":"And in terms of super guarantee, now I know at one point you were, like, sort of doing 20,000 per annum as, like, lump sum concessional contributions.","start":266.13998,"end":274.24,"sentiment":"neutral","sentiment_score":0.07778578941468839}],"sentiment":"neutral","sentiment_score":0.055660897371720294,"num_words":49,"start":244.61,"end":274.24},{"sentences":[{"text":"Are you planning on starting those back up at all, or are you Okay.","start":274.53998,"end":290.43,"sentiment":"neutral","sentiment_score":0.02811060513236693},{"text":"Yeah.","start":298.72998,"end":298.97,"sentiment":"neutral","sentiment_score":0.1627202033996582},{"text":"Because, obviously, that does make a difference in regards to your superannuation.","start":298.97,"end":301.87,"sentiment":"neutral","sentiment_score":0.16217564853529134},{"text":"Like, obviously, you've got nice amount of assets outside of superannuation from, like, being self employed and being able to contribute a lot more of that money towards those sort of assets paying off the mortgage investment property, things like that as well.","start":302.33,"end":314.635,"sentiment":"neutral","sentiment_score":0.1346300979859607},{"text":"But it does sort of, you know, affect your your balance and how that does grow as well if you're not contributing to to superannuation.","start":315.73502,"end":322.63,"sentiment":"neutral","sentiment_score":-0.07936663001775741}],"sentiment":"neutral","sentiment_score":0.0663926833750386,"num_words":95,"start":274.53998,"end":322.63},{"sentences":[{"text":"That's that's fine.","start":323.41,"end":324.63,"sentiment":"positive","sentiment_score":0.3450495700041453},{"text":"I'll leave that with you in your meeting with the account.","start":325.09,"end":326.93,"sentiment":"neutral","sentiment_score":0.30458484996448865},{"text":"And if you're just sort of planning on do it as well, you can obviously do the concession and claim that notice of intent, but he'll know all about that as well.","start":326.93,"end":335.75,"sentiment":"neutral","sentiment_score":0.19365029665641487},{"text":"Perfect.","start":338.205,"end":338.705,"sentiment":"positive","sentiment_score":0.5983860492706299},{"text":"And then as far as the assets and liabilities, you know, it's updated.","start":339.245,"end":342.225,"sentiment":"neutral","sentiment_score":0.08550171324839959}],"sentiment":"neutral","sentiment_score":0.20487166456878186,"num_words":60,"start":323.41,"end":342.225},{"sentences":[{"text":"So the house is worth around 400 with no no mortgage left on that one.","start":342.365,"end":347.185,"sentiment":"neutral","sentiment_score":0.025165941566228867},{"text":"Yeah.","start":350.22,"end":350.46002,"sentiment":"neutral","sentiment_score":0.0008350033313035965},{"text":"The old primary.","start":350.46002,"end":351.36002,"sentiment":"neutral","sentiment_score":-0.03999200649559498},{"text":"Yep.","start":359.66,"end":359.9,"sentiment":"neutral","sentiment_score":0.027340471744537354},{"text":"And is that now an investment property like you're not living in anymore?","start":359.9,"end":362.88,"sentiment":"neutral","sentiment_score":-0.11958655485740075}],"sentiment":"neutral","sentiment_score":-0.0384526252746582,"num_words":33,"start":342.365,"end":362.88},{"sentences":[{"text":"Yep.","start":370.64502,"end":371.125,"sentiment":"neutral","sentiment_score":-0.08676785230636597},{"text":"And then as far as, like, the land you had in that build there, that's all finalized now, and you're living in that one currently?","start":371.125,"end":376.825,"sentiment":"neutral","sentiment_score":0.1614758324623108},{"text":"Yep.","start":378.47,"end":378.79,"sentiment":"neutral","sentiment_score":0.13877953588962555},{"text":"And do you know roughly what that one's worth now?","start":378.79,"end":380.97,"sentiment":"neutral","sentiment_score":0.06491569876670837},{"text":"Close to a yep.","start":395.925,"end":397.705,"sentiment":"neutral","sentiment_score":0.12597441859543324}],"sentiment":"neutral","sentiment_score":0.12785273554121576,"num_words":41,"start":370.64502,"end":397.705},{"sentences":[{"text":"Perfect.","start":398.645,"end":399.145,"sentiment":"positive","sentiment_score":0.627604603767395},{"text":"And then do you know roughly what's owing left on that one?","start":399.205,"end":401.88,"sentiment":"neutral","sentiment_score":0.13079463690519333},{"text":"Yep.","start":412.68,"end":413.18,"sentiment":"neutral","sentiment_score":0.0774749144911766},{"text":"Yep.","start":418.69498,"end":419.175,"sentiment":"neutral","sentiment_score":0.06666477769613266},{"text":"And then with that one, did you speak to a mortgage broker when you set up that sort of split of, like, not having any loan against the investment property versus, like, your primary residence and things like that?","start":419.175,"end":427.5,"sentiment":"neutral","sentiment_score":-0.024347751090923946}],"sentiment":"neutral","sentiment_score":0.02577254900501834,"num_words":54,"start":398.645,"end":427.5},{"sentences":[{"text":"Yeah.","start":437.26,"end":437.76,"sentiment":"neutral","sentiment_score":0.047709763050079346},{"text":"Yeah.","start":445.035,"end":445.355,"sentiment":"neutral","sentiment_score":0.0607592836022377},{"text":"Because just, obviously, in regards to, like, investment properties at the moment, you can still deduct the interest on, like, the loans for investments versus, like, your primary residence.","start":445.355,"end":453.595,"sentiment":"neutral","sentiment_score":0.010979992261252784},{"text":"So sometimes they do do a split between, like, the investment and your primary.","start":453.595,"end":457.19,"sentiment":"neutral","sentiment_score":0.048977844949279516},{"text":"So at least, like, the interest getting paid on the investment, one, you're earning an income with that, and then two, the interest on those repayments is a deduction versus, like, your your primary residence.","start":457.19,"end":467.61,"sentiment":"neutral","sentiment_score":0.07588593805474894}],"sentiment":"neutral","sentiment_score":0.04710733104293467,"num_words":80,"start":437.26,"end":467.61},{"sentences":[{"text":"And then if you did wanna review your home loan, we do have some mortgage brokers that we sort of liaison that are part of, like, trusted partners.","start":468.285,"end":476.865,"sentiment":"neutral","sentiment_score":0.11421810356634003},{"text":"So if you ever do wanna, like, look at revisiting or refinancing and things like that as well, feel free to give us a shout, and we can sort of pass your details along if you'd like.","start":477.245,"end":490.61002,"sentiment":"neutral","sentiment_score":0.10824890329024277},{"text":"Yeah.","start":490.61002,"end":491.09,"sentiment":"neutral","sentiment_score":-0.0283677838742733},{"text":"Especially if you, like, haven't really looked at your loan since, like, the house was built and finalized and things like that because you might have a bit more equity than you think, and that might sort of be able to, you know, affect, like, what sort of loan rate you can get as well and whether or not it's worth Yeah.","start":491.09,"end":508.81,"sentiment":"neutral","sentiment_score":-0.10352473129187861},{"text":"So if you have a chat with your your partner there and wanna have a look into that, feel free, and we can just pass along your your details to one of the mortgage brokers here.","start":508.81,"end":515.31,"sentiment":"neutral","sentiment_score":0.1991034188411302}],"sentiment":"neutral","sentiment_score":0.0483179163165027,"num_words":164,"start":468.285,"end":515.31},{"sentences":[{"text":"And other assets there, I've got your truck worth around the 55,000 and a machine estimated worth around the 85.","start":516.09,"end":521.85004,"sentiment":"neutral","sentiment_score":0.07610115949064493},{"text":"Is that about right?","start":521.85004,"end":522.855,"sentiment":"neutral","sentiment_score":0.06120070815086365},{"text":"Yep.","start":524.535,"end":525.035,"sentiment":"neutral","sentiment_score":0.01961402967572212},{"text":"Yep.","start":532.055,"end":532.375,"sentiment":"neutral","sentiment_score":0.006250757724046707},{"text":"And have you managed to pay most of that off now?","start":532.375,"end":534.695,"sentiment":"neutral","sentiment_score":0.006366617469625039}],"sentiment":"neutral","sentiment_score":0.050343881134648584,"num_words":37,"start":516.09,"end":534.695},{"sentences":[{"text":"Is there anything owing on that escrow?","start":534.695,"end":536.15497,"sentiment":"neutral","sentiment_score":-0.039881770099912374},{"text":"Perfect.","start":540.36005,"end":540.86005,"sentiment":"neutral","sentiment_score":0.19682422280311584},{"text":"And as far as any other assets and liabilities that I haven't mentioned, you said you've got a bit of a savings built up as well.","start":541.0,"end":546.12006,"sentiment":"neutral","sentiment_score":0.036468904178876146},{"text":"Do you know roughly sort of how much is sitting in that?","start":546.12006,"end":548.295,"sentiment":"neutral","sentiment_score":0.014466641626010338},{"text":"$1.40.","start":552.055,"end":552.695,"sentiment":"neutral","sentiment_score":0.0032167560420930386}],"sentiment":"neutral","sentiment_score":0.022184250985292045,"num_words":47,"start":534.695,"end":552.695},{"sentences":[{"text":"And is that an offset or a savings account?","start":552.695,"end":554.95496,"sentiment":"neutral","sentiment_score":-0.006206574746304088},{"text":"Yep.","start":560.375,"end":560.875,"sentiment":"neutral","sentiment_score":0.081135094165802},{"text":"And do you have that in a high interest savings account at the moment?","start":561.47,"end":564.05,"sentiment":"neutral","sentiment_score":0.005545653269759246},{"text":"Because with that too, obviously oh, sorry?","start":573.885,"end":576.545,"sentiment":"neutral","sentiment_score":-0.13331093160169466},{"text":"Yes.","start":583.725,"end":584.225,"sentiment":"neutral","sentiment_score":0.08336952328681946}],"sentiment":"neutral","sentiment_score":-0.02334037283435464,"num_words":32,"start":552.695,"end":584.225},{"sentences":[{"text":"The other option there is you can look at setting up an offset account with your your bank or, like, with the your, like, loan provider there, so, like, who it's with.","start":585.1,"end":594.86,"sentiment":"neutral","sentiment_score":-0.0021581057517323643},{"text":"And you can leave it sitting in the offset.","start":594.86,"end":596.86,"sentiment":"neutral","sentiment_score":0.005466409855418735},{"text":"And what that does is essentially, like, it's like being on the mortgage, but it's not.","start":596.86,"end":601.015,"sentiment":"neutral","sentiment_score":0.056027805083431304},{"text":"Like, you still have full access to it.","start":601.015,"end":602.29504,"sentiment":"neutral","sentiment_score":0.18248128704726696},{"text":"It's the exact same as in everyday spending, but you won't get interest on it.","start":602.29504,"end":605.495,"sentiment":"neutral","sentiment_score":0.09234614570935568}],"sentiment":"neutral","sentiment_score":0.04652032084995881,"num_words":80,"start":585.1,"end":605.495},{"sentences":[{"text":"All it would do is, like, offset the interest that you would be paying on your home loan.","start":605.495,"end":609.175,"sentiment":"neutral","sentiment_score":0.13461397132939762},{"text":"So, essentially, instead of paying the interest on a $700,000 debt, you'd be paying it closer to, you know, that $5.60 mark in terms of, like, the interest repayment you'd be making.","start":609.175,"end":621.19,"sentiment":"neutral","sentiment_score":0.09908979956526309},{"text":"So that's something you can look into as well if you're not really got in a high interest or not doing much with it.","start":621.19,"end":625.875,"sentiment":"neutral","sentiment_score":-0.06273502949625254},{"text":"I'm assuming your home rate is probably up around that sort of five, maybe sort of 5% mark in terms of, like, what you're paying.","start":626.435,"end":634.295,"sentiment":"neutral","sentiment_score":-0.008125734329223634},{"text":"Yeah.","start":640.29004,"end":640.79004,"sentiment":"neutral","sentiment_score":0.0625552386045456}],"sentiment":"neutral","sentiment_score":0.0394769624248147,"num_words":100,"start":605.495,"end":640.79004},{"sentences":[{"text":"Which which is, yeah, which is definitely higher than what you'd be getting currently at least, not being in, like, a high interest saver or, like, a term deposit and things like that as well.","start":641.41003,"end":651.57,"sentiment":"neutral","sentiment_score":0.015592865433011737},{"text":"So you could be offsetting, like, the interest of, like, four to 5% of your mortgage as opposed to getting, you know, like, your two two point something percent interest earned on the the savings account, if that makes sense.","start":651.57,"end":665.485,"sentiment":"neutral","sentiment_score":0.08351557455025613},{"text":"So that's another thing to be be mindful of and potentially look into there as well.","start":668.36,"end":672.78,"sentiment":"neutral","sentiment_score":-0.09803942684084177},{"text":"Obviously, if you wanna have a bit more conversation around it or with your partner as well, that's more than fine.","start":674.2,"end":677.96,"sentiment":"neutral","sentiment_score":0.2286838207926069},{"text":"Happy to have a a bit more of a chat.","start":677.96,"end":679.74,"sentiment":"positive","sentiment_score":0.46543724834918976}],"sentiment":"neutral","sentiment_score":0.0965120914987609,"num_words":122,"start":641.41003,"end":679.74},{"sentences":[{"text":"But it seems like she does deal with a lot of it as well, so feel free just to mention it to her.","start":680.465,"end":684.645,"sentiment":"neutral","sentiment_score":0.2262403738239537},{"text":"And so if you've entered these one previously as well, it's updated the workbook a little bit, but you've now declared bankruptcy or a partner on debt agreement?","start":689.265,"end":696.085,"sentiment":"neutral","sentiment_score":-0.005591239846710648},{"text":"Yeah.","start":697.57,"end":697.81,"sentiment":"neutral","sentiment_score":0.07557952404022217},{"text":"No.","start":697.81,"end":697.97003,"sentiment":"neutral","sentiment_score":-0.06116873025894165},{"text":"That's fine.","start":697.97003,"end":698.71,"sentiment":"neutral","sentiment_score":0.1837153360247612}],"sentiment":"neutral","sentiment_score":0.09870573360134255,"num_words":55,"start":680.465,"end":698.71},{"sentences":[{"text":"And as far as your health's going, you're not sort of a smoker still, no injuries, medications currently?","start":699.25,"end":704.23004,"sentiment":"neutral","sentiment_score":0.03438461106270552},{"text":"Perfect.","start":705.73004,"end":706.23004,"sentiment":"positive","sentiment_score":0.4174152612686157},{"text":"And have you got private health cover at the moment there, Danny?","start":706.29004,"end":709.51,"sentiment":"neutral","sentiment_score":0.12199879003067811},{"text":"No.","start":712.79504,"end":712.955,"sentiment":"neutral","sentiment_score":-0.05569665879011154},{"text":"That's fine.","start":712.955,"end":713.695,"sentiment":"neutral","sentiment_score":0.18798822164535522}],"sentiment":"neutral","sentiment_score":0.08295892721370739,"num_words":34,"start":699.25,"end":713.695},{"sentences":[{"text":"And then as far as the estate planning side of things goes, I know you didn't have a will set up the last time you spoke to us there.","start":714.075,"end":719.995,"sentiment":"neutral","sentiment_score":0.0201838670683832},{"text":"Have you managed to get around to looking into a will?","start":719.995,"end":723.055,"sentiment":"neutral","sentiment_score":-0.0021104880354621196},{"text":"Yep.","start":729.08,"end":729.32,"sentiment":"neutral","sentiment_score":-0.06562730669975281},{"text":"Because yeah.","start":729.32,"end":732.86005,"sentiment":"neutral","sentiment_score":-0.025328456424176693},{"text":"We don't draw up wills.","start":732.92004,"end":734.44,"sentiment":"neutral","sentiment_score":-0.07430848553776741}],"sentiment":"neutral","sentiment_score":0.001547711028251797,"num_words":48,"start":714.075,"end":734.44},{"sentences":[{"text":"We can have conversations around how you can split your estates and things like that and have a general sort of discussion on how you might wanna split it.","start":734.44,"end":740.285,"sentiment":"neutral","sentiment_score":0.01213089659296233},{"text":"Obviously, with the young family and your partner, generally, you know, you just leave it to your spouse.","start":740.345,"end":744.345,"sentiment":"neutral","sentiment_score":-0.03963919335769282},{"text":"And then, like, worst case scenario, there'd be, like, someone else that would look after potentially the children.","start":744.345,"end":748.58496,"sentiment":"neutral","sentiment_score":-0.06455143830842441},{"text":"They'd get you know, as they come of age type deal, which a lawyer all can do.","start":748.58496,"end":753.1,"sentiment":"neutral","sentiment_score":-0.014355133232824942},{"text":"We can send you through just a local solicitor's information booklet on their general pricing a little bit more about wills and estates.","start":753.1,"end":759.19995,"sentiment":"neutral","sentiment_score":0.05502580997088681}],"sentiment":"neutral","sentiment_score":-0.00478170480401743,"num_words":105,"start":734.44,"end":759.19995},{"sentences":[{"text":"And then the other thing you can look to potentially do is if you're just looking to get a slot together one is just like a post office full, they're generally a lot cheaper, not as ironclad.","start":759.66,"end":769.375,"sentiment":"neutral","sentiment_score":0.035739505512488855},{"text":"But in saying that yeah.","start":770.155,"end":772.255,"sentiment":"neutral","sentiment_score":-0.0014549277722835541},{"text":"No.","start":779.45,"end":779.85004,"sentiment":"neutral","sentiment_score":-0.17576727271080017},{"text":"And even then, like, even if you've got, like, a will set up by a solicitor, the the likelihood is is, like, if someone comes out of the woodwork, you know, your next spouse, there's a separation, things like that, and people tend to claim anyway and, like, challenge the estates.","start":779.85004,"end":794.075,"sentiment":"neutral","sentiment_score":-0.15731508489332946},{"text":"So even with with a will, it can sort of be tied up sort of thing.","start":794.215,"end":797.895,"sentiment":"neutral","sentiment_score":-0.19517687615007162}],"sentiment":"neutral","sentiment_score":-0.09096890505064617,"num_words":110,"start":759.66,"end":797.895},{"sentences":[{"text":"And when there's not a will, it just gets real messy real quickly.","start":797.895,"end":800.635,"sentiment":"neutral","sentiment_score":-0.284112158876199},{"text":"Yeah.","start":803.66,"end":804.16,"sentiment":"neutral","sentiment_score":0.002432622015476227},{"text":"So with that, we could just send that through and then any sort of updates so we can put a reminder in those documents just to make sure you've got those sort of set.","start":804.69995,"end":813.44,"sentiment":"neutral","sentiment_score":0.08036011786145322},{"text":"Perfect.","start":815.83496,"end":816.315,"sentiment":"positive","sentiment_score":0.6309018731117249},{"text":"And I'll just double check-in regards to your beneficiary forms and see if that's up to date.","start":816.315,"end":824.095,"sentiment":"neutral","sentiment_score":0.2404945878421559}],"sentiment":"neutral","sentiment_score":0.05697770349004052,"num_words":66,"start":797.895,"end":824.095},{"sentences":[{"text":"Yes.","start":825.595,"end":825.83496,"sentiment":"neutral","sentiment_score":0.10791311413049698},{"text":"I've got the three children there as beneficiaries on your your superannuation.","start":825.83496,"end":829.76,"sentiment":"neutral","sentiment_score":0.1357373564193646},{"text":"Yeah.","start":830.78,"end":831.18,"sentiment":"neutral","sentiment_score":0.25662440061569214},{"text":"Perfect.","start":831.18,"end":831.68,"sentiment":"positive","sentiment_score":0.451799750328064},{"text":"Something to be mindful of is that as well as spouses will always receive money from superannuation and, like, insurance policy through super tax free because they'll always be a tax dependent as well as, like, a dependent through super law.","start":833.10004,"end":845.765,"sentiment":"neutral","sentiment_score":0.09879914789301593}],"sentiment":"neutral","sentiment_score":0.11599911795929074,"num_words":56,"start":825.595,"end":845.765},{"sentences":[{"text":"Children are always a dependent through super law, but once they turn, like, over 18 and you're no longer sort of supporting them if they move out of home, things like that, they're no longer considered, like, dependent on you, and then they might not be considered a tax dependent.","start":845.985,"end":858.405,"sentiment":"neutral","sentiment_score":-0.003339345818385482},{"text":"So they can still receive the funds.","start":858.75,"end":860.03,"sentiment":"neutral","sentiment_score":0.09401221573352814},{"text":"They'll just have to pay tax on that.","start":860.03,"end":861.89,"sentiment":"neutral","sentiment_score":0.0032545356079936028},{"text":"Other yeah.","start":862.83,"end":864.11,"sentiment":"neutral","sentiment_score":0.043600721284747124},{"text":"Otherwise, you can look at sort of sending it to the the estate, and you can get rid of sort of the Medicare levy taxes that might be associated with that death benefit.","start":864.11,"end":872.77,"sentiment":"neutral","sentiment_score":-0.0027291978511846428}],"sentiment":"neutral","sentiment_score":0.0051429241755977274,"num_words":100,"start":845.985,"end":872.77},{"sentences":[{"text":"Or you can just leave it to your spouse and then sort of leave other things outside of that to your your children to sort of equal things out once they sort of get a bit older and things like that.","start":873.875,"end":884.275,"sentiment":"neutral","sentiment_score":0.017854902938735193},{"text":"Something just to be mindful of.","start":884.275,"end":885.66,"sentiment":"neutral","sentiment_score":0.0008734663327534994},{"text":"Yeah.","start":891.66,"end":891.81995,"sentiment":"neutral","sentiment_score":0.05174126476049423},{"text":"Obviously, I think the kids are still quite young.","start":891.81995,"end":894.06,"sentiment":"neutral","sentiment_score":0.013174795028236177},{"text":"They're sort of in their early teens there, so you've still got a bit of time to think about how you might wanna structure that.","start":894.06,"end":898.37994,"sentiment":"neutral","sentiment_score":0.0757036118209362}],"sentiment":"neutral","sentiment_score":0.034148738219788886,"num_words":82,"start":873.875,"end":898.37994},{"sentences":[{"text":"And you can even have a chat with the lawyer how you might wanna structure things a little bit as well with, like, a joint will with your partner and things like that as well.","start":898.37994,"end":904.855,"sentiment":"neutral","sentiment_score":0.10982800551823207},{"text":"Yeah.","start":908.115,"end":908.515,"sentiment":"neutral","sentiment_score":-0.020272359251976013},{"text":"Perfect.","start":908.515,"end":909.015,"sentiment":"neutral","sentiment_score":0.3173137307167053},{"text":"And this one's a bit of a random one, but you're not politically exposed at all that I you don't have any sort of role in politics or any family in politics or local council, things like that?","start":910.03503,"end":919.65,"sentiment":"neutral","sentiment_score":-0.03113251502968763},{"text":"Yeah.","start":919.71,"end":919.87,"sentiment":"neutral","sentiment_score":0.16306625306606293}],"sentiment":"neutral","sentiment_score":0.04106647692816822,"num_words":76,"start":898.37994,"end":919.87},{"sentences":[{"text":"Brilliant.","start":919.87,"end":920.37,"sentiment":"positive","sentiment_score":0.5469383597373962},{"text":"Bit of a weird one, but it's part of our anti money laundering.","start":921.31,"end":923.87,"sentiment":"neutral","sentiment_score":0.09308398600954276},{"text":"Yeah.","start":923.87,"end":924.37,"sentiment":"neutral","sentiment_score":0.033586326986551285},{"text":"And then you're no tax resident anywhere else but Australia at the moment?","start":926.03,"end":929.145,"sentiment":"neutral","sentiment_score":-0.006011414699829542},{"text":"Sorry.","start":930.98505,"end":931.22504,"sentiment":"neutral","sentiment_score":-0.0020263027399778366}],"sentiment":"neutral","sentiment_score":0.05898075210380143,"num_words":29,"start":919.87,"end":931.22504},{"sentences":[{"text":"Yeah.","start":931.22504,"end":931.54504,"sentiment":"neutral","sentiment_score":0.039656490087509155},{"text":"There's just a few ones that have updated there.","start":931.54504,"end":933.565,"sentiment":"neutral","sentiment_score":0.06231203840838538},{"text":"And as far as goals are concerned there, I know your main goal is to just pay down your current loans there, make sure everything on the bill was finalized, get in there.","start":934.505,"end":942.81,"sentiment":"neutral","sentiment_score":0.10380780042120905},{"text":"Is there any other goals that you're working towards at the moment?","start":943.13,"end":945.63,"sentiment":"neutral","sentiment_score":0.04510177858173847},{"text":"Yeah.","start":963.945,"end":964.445,"sentiment":"neutral","sentiment_score":0.02748987078666687}],"sentiment":"neutral","sentiment_score":0.08205059756125722,"num_words":56,"start":931.22504,"end":964.445},{"sentences":[{"text":"Grow the business a little bit.","start":966.585,"end":967.78503,"sentiment":"neutral","sentiment_score":0.06966429700454076},{"text":"Maybe get someone under your sort of thing as well.","start":967.78503,"end":969.705,"sentiment":"neutral","sentiment_score":0.07187461741268635},{"text":"Just expand just a tiny bit.","start":969.705,"end":973.39,"sentiment":"neutral","sentiment_score":0.07273362514873345},{"text":"Yep.","start":973.39,"end":973.89,"sentiment":"neutral","sentiment_score":0.10102495551109314},{"text":"And is that sort of the main goal moving forward?","start":973.95,"end":975.87006,"sentiment":"neutral","sentiment_score":0.10016975700855255}],"sentiment":"neutral","sentiment_score":0.08108655250433719,"num_words":33,"start":966.585,"end":975.87006},{"sentences":[{"text":"You're not sort of looking at anything major in the next sort of two or three years, the next five years?","start":975.87006,"end":980.29004,"sentiment":"neutral","sentiment_score":-0.08102562358336789},{"text":"Perfect.","start":993.725,"end":994.225,"sentiment":"positive","sentiment_score":0.38221144676208496},{"text":"Give that to to someone else and run a second crew, something like that.","start":994.365,"end":997.58997,"sentiment":"neutral","sentiment_score":0.29218232205935885},{"text":"You get the nice machine.","start":997.58997,"end":998.89,"sentiment":"positive","sentiment_score":0.4970564067363739},{"text":"Yeah.","start":1003.02997,"end":1003.35,"sentiment":"neutral","sentiment_score":0.06323941051959991}],"sentiment":"neutral","sentiment_score":0.12666065010818697,"num_words":42,"start":975.87006,"end":1003.35},{"sentences":[{"text":"That that'd be the way.","start":1003.35,"end":1004.73,"sentiment":"neutral","sentiment_score":0.07347558885812759},{"text":"As far as your risk profile goes, we'll just go through a few questions there and make sure that's still up to date there.","start":1006.23,"end":1011.46497,"sentiment":"neutral","sentiment_score":0.06078527153780063},{"text":"So you're currently in a high growth.","start":1011.46497,"end":1012.665,"sentiment":"neutral","sentiment_score":0.09198913403919765},{"text":"It's around that ninety ten sort of split.","start":1012.665,"end":1014.505,"sentiment":"neutral","sentiment_score":0.0664537469856441},{"text":"So 90% growth assets, about 10% defensive.","start":1014.505,"end":1017.325,"sentiment":"neutral","sentiment_score":0.12130419484206609}],"sentiment":"neutral","sentiment_score":0.07550799488729122,"num_words":51,"start":1003.35,"end":1017.325},{"sentences":[{"text":"And we'll just go through a few questions to make sure that's still up to date there for you.","start":1017.945,"end":1022.26495,"sentiment":"neutral","sentiment_score":0.14809130387086616},{"text":"So in regards to most aggressive investment you've made, have you had any direct share holdings or bought any direct shares recently or before?","start":1022.26495,"end":1030.0,"sentiment":"neutral","sentiment_score":0.015947217975432675},{"text":"Yep.","start":1030.86,"end":1031.26,"sentiment":"neutral","sentiment_score":0.16209113597869873},{"text":"That's fine.","start":1031.26,"end":1032.08,"sentiment":"positive","sentiment_score":0.3342246860265732},{"text":"And then with inflation, obviously, you know, having a younger family probably feel it a little bit more than most of the cost of living, but are you still willing to accept a moderate sort of amount of risk to outpace inflation or a higher amount of risk to outpace inflation?","start":1033.26,"end":1045.145,"sentiment":"neutral","sentiment_score":-0.003904509193757001}],"sentiment":"neutral","sentiment_score":0.039462665403165766,"num_words":97,"start":1017.945,"end":1045.145},{"sentences":[{"text":"No.","start":1048.485,"end":1048.645,"sentiment":"neutral","sentiment_score":-0.05373719334602356},{"text":"That's fine.","start":1048.645,"end":1049.385,"sentiment":"neutral","sentiment_score":0.05835256911814213},{"text":"So in regards to, like, inflation, obviously, as that goes up, your money can sort of devalue if it's just sort of sitting in the blank the bank or you're just getting, like, the cash interest rate as opposed to, like, being invested in getting a greater return.","start":1049.765,"end":1061.9701,"sentiment":"neutral","sentiment_score":-0.13078716405046484},{"text":"Obviously, that caves with the level of risk.","start":1062.51,"end":1064.445,"sentiment":"neutral","sentiment_score":-0.2682421747595072},{"text":"How much risk do you think you'd be willing to take to sort of grow your money?","start":1064.7649,"end":1067.965,"sentiment":"neutral","sentiment_score":-0.10490676497711855}],"sentiment":"neutral","sentiment_score":-0.13347589910814636,"num_words":76,"start":1048.485,"end":1067.965},{"sentences":[{"text":"Would you say you're a bit of a moderate risk taker or a higher risk taker?","start":1067.965,"end":1070.7849,"sentiment":"neutral","sentiment_score":-0.07429251703433692},{"text":"Yep.","start":1076.46,"end":1076.96,"sentiment":"neutral","sentiment_score":0.1084907054901123},{"text":"Not a problem.","start":1078.0599,"end":1078.96,"sentiment":"neutral","sentiment_score":0.14351346592108408},{"text":"And then as far as if your portfolio was to decrease, so, obviously, there's ups and downs in the market.","start":1079.26,"end":1085.5,"sentiment":"neutral","sentiment_score":-0.12803338076919318},{"text":"And with, you know, what's been going on the past sort of year with Trump's tariffs, the wars, those sort of things kicking off.","start":1085.5,"end":1091.2251,"sentiment":"neutral","sentiment_score":-0.16029762600859007}],"sentiment":"neutral","sentiment_score":-0.11027280951384455,"num_words":64,"start":1067.965,"end":1091.2251},{"sentences":[{"text":"It's been a bit of a a bit of a down.","start":1091.2251,"end":1093.165,"sentiment":"neutral","sentiment_score":-0.19345136935060675},{"text":"But in saying that, how much would it have to drop before you'd be quite concerned?","start":1093.305,"end":1097.0851,"sentiment":"neutral","sentiment_score":-0.1545085518155247},{"text":"Like, if it dropped by 20%, would you just still hold it out and know that sort of, you know, the markets would turn around, or would you say that you'd look to maybe be a bit more secure and a bit more defensive in your investments?","start":1097.545,"end":1108.2699,"sentiment":"neutral","sentiment_score":-0.1399587001255218},{"text":"Or Yeah.","start":1108.33,"end":1120.985,"sentiment":"neutral","sentiment_score":-0.1410745121538639},{"text":"So, like, in regards to the markets, obviously, they've gone backwards a little bit this sort of last twelve months.","start":1120.985,"end":1126.505,"sentiment":"neutral","sentiment_score":-0.19138243049383163}],"sentiment":"neutral","sentiment_score":-0.15924956699988493,"num_words":96,"start":1091.2251,"end":1126.505},{"sentences":[{"text":"But if it was to die sort of like COVID, would you still be comfortable putting money, like, in your superannuation for those investments to return at a later date and like having sort of conviction that they will sort of return at some point?","start":1126.505,"end":1137.75,"sentiment":"neutral","sentiment_score":0.042342309984895916},{"text":"Yeah.","start":1152.5449,"end":1152.7849,"sentiment":"neutral","sentiment_score":0.10805339366197586},{"text":"Yep.","start":1152.7849,"end":1153.2849,"sentiment":"neutral","sentiment_score":0.18550264835357663},{"text":"Perfect.","start":1153.825,"end":1154.3049,"sentiment":"positive","sentiment_score":0.4318746328353882},{"text":"And then with that, though, did that make you a bit cautious at all or sorta concerned when it did dip during COVID?","start":1154.3049,"end":1160.88,"sentiment":"neutral","sentiment_score":-0.03287344150569128}],"sentiment":"neutral","sentiment_score":0.02640486576817405,"num_words":71,"start":1126.505,"end":1160.88},{"sentences":[{"text":"Yeah.","start":1176.075,"end":1176.3949,"sentiment":"neutral","sentiment_score":-0.10417485237121582},{"text":"So previously, you're a little bit more optimistic about market outcomes, but obviously, if a World War three kicks off, you're a little bit more pessimistic with that one.","start":1176.3949,"end":1183.11,"sentiment":"neutral","sentiment_score":-0.25474945173181335},{"text":"Yeah.","start":1184.71,"end":1185.11,"sentiment":"neutral","sentiment_score":4.153698682785034e-6},{"text":"No.","start":1185.11,"end":1185.51,"sentiment":"neutral","sentiment_score":-0.11903049051761629},{"text":"Completely understandable.","start":1185.51,"end":1186.57,"sentiment":"neutral","sentiment_score":-0.10900222882628441}],"sentiment":"neutral","sentiment_score":-0.23026293373721488,"num_words":34,"start":1176.075,"end":1186.57},{"sentences":[{"text":"And then with borrowed money, obviously, you've got borrowed money for, you know, like, the investment property there and your your primary residence.","start":1188.47,"end":1195.75,"sentiment":"neutral","sentiment_score":-0.027763785227485325},{"text":"But would you ever put borrowed money into anything riskier like an investment portfolio?","start":1195.75,"end":1199.905,"sentiment":"neutral","sentiment_score":-0.1440813328538622},{"text":"So if you had, like, a loan or redraw on your mortgage to have, like, an investment outside of superannuation, would you ever consider that?","start":1199.905,"end":1206.405,"sentiment":"neutral","sentiment_score":-0.08689183115959168},{"text":"Yeah.","start":1222.0951,"end":1222.5751,"sentiment":"neutral","sentiment_score":0.11159047484397888},{"text":"So, obviously, you've, like, set yourself up well with, like, the property side of things, having your primary residence there, having an investment property.","start":1222.5751,"end":1229.3151,"sentiment":"neutral","sentiment_score":0.16116270733376345}],"sentiment":"neutral","sentiment_score":-0.009752943084157747,"num_words":87,"start":1188.47,"end":1229.3151},{"sentences":[{"text":"The next sort of step after that, once you're sort of comfortable with your level of debt and paying down your your mortgage would be to sort of potentially look at, you know, leveraging some some debt there to either have, like, an investment portfolio and or another investment outside of superannuation to help continue to grow your wealth while you're you're working sort of thing.","start":1229.4551,"end":1247.92,"sentiment":"neutral","sentiment_score":0.14918032130508713},{"text":"Because, obviously, the the potential upside is a lot higher with, like, using other people's money or the bank's money to be able to sort of get a return on investment versus, like, the loan repayments.","start":1250.1549,"end":1259.7749,"sentiment":"neutral","sentiment_score":0.20589001952773994},{"text":"Obviously, you know, the risk of that is if, like, the markets were to go down, you're still liable for that loan at the rate you sort of borrowed at as well, which is something to be mindful of.","start":1259.835,"end":1267.8999,"sentiment":"neutral","sentiment_score":-0.3104214393175565},{"text":"But that's a few years down the track yet, so that's more than fine.","start":1268.9199,"end":1272.46,"sentiment":"neutral","sentiment_score":0.2900294507188456},{"text":"That does bring you out to a high growth investor, which is still in line with what they currently got you in.","start":1272.84,"end":1277.345,"sentiment":"positive","sentiment_score":0.5578311898491599}],"sentiment":"neutral","sentiment_score":0.12137968509884203,"num_words":177,"start":1229.4551,"end":1277.345},{"sentences":[{"text":"Are you still happy being in a high growth portfolio?","start":1277.345,"end":1279.725,"sentiment":"positive","sentiment_score":0.44615973234176637},{"text":"Yep.","start":1284.265,"end":1284.585,"sentiment":"neutral","sentiment_score":0.2981876730918884},{"text":"Obviously, you've got the the time horizon there as well to be able to weather those dips in the market a little bit as well.","start":1284.585,"end":1291.71,"sentiment":"neutral","sentiment_score":0.22274297326803208},{"text":"Now in terms of the other documents we're gonna provide you there, so I know you completed that ongoing service agreement already, but I'll send out a notice on there.","start":1292.09,"end":1300.905,"sentiment":"neutral","sentiment_score":0.09327661991119385},{"text":"Some of this contain a tax file opt in form as a signable docket.","start":1300.985,"end":1304.685,"sentiment":"neutral","sentiment_score":0.07019344983356339}],"sentiment":"neutral","sentiment_score":0.17636707779020072,"num_words":80,"start":1277.345,"end":1304.685},{"sentences":[{"text":"That's just the they've updated the form on where we store your tax file number.","start":1304.745,"end":1308.285,"sentiment":"neutral","sentiment_score":0.10482492049535115},{"text":"It'll also have your your Vanguard index chart shows the sort of market that we're at thirty year period, your dividend currency for your insurances, also your twelve month performance.","start":1308.425,"end":1318.18,"sentiment":"neutral","sentiment_score":0.135398597518603},{"text":"Now in regards to that, as I said, with everything that did occur, it has not had a great year.","start":1318.24,"end":1323.4401,"sentiment":"neutral","sentiment_score":-0.24084811862558125},{"text":"It only did, like, point 47% after fees, and that's largely due to the tech sector taking a bit of a dive.","start":1323.4401,"end":1330.315,"sentiment":"negative","sentiment_score":-0.40226250751452014},{"text":"The the market sort of dipping with the announcement of those wars and then also a your underlying investment, the active portion, Benelon.","start":1330.315,"end":1338.175,"sentiment":"neutral","sentiment_score":-0.22483741524426834}],"sentiment":"neutral","sentiment_score":-0.12003333050418984,"num_words":110,"start":1304.745,"end":1338.175},{"sentences":[{"text":"They had an underlying asset that was done for not reporting correctly, which caused them to have to reevaluate that stock and the fund itself to, like, basically, they've lost a a bit of funds under management due to that.","start":1339.035,"end":1351.8601,"sentiment":"negative","sentiment_score":-0.5078126646578311},{"text":"Now because of that dip and then the fact that everything has occurred there, as a business, they made a decision to move away from the Bennelong, equities managed fund and look at updating those portfolios.","start":1351.8601,"end":1364.755,"sentiment":"negative","sentiment_score":-0.3347084807852904},{"text":"Now given your time on board, it's probably better to have, like, a bit of a refresh totally of your portfolio because it is a little bit tech heavy, which I'm a bit concerned about there as well, given how that has sort of traveled the last year as well.","start":1365.215,"end":1378.1,"sentiment":"neutral","sentiment_score":0.03153031960129738},{"text":"So we can look at just updating that as a whole.","start":1378.1,"end":1380.52,"sentiment":"neutral","sentiment_score":0.14132018251852554},{"text":"Now the options there is we can look to have it to where you still have an active portion in that, or we can look to just go sort of fully passive.","start":1380.8201,"end":1389.6749,"sentiment":"neutral","sentiment_score":0.13956685829907656}],"sentiment":"neutral","sentiment_score":-0.14653748190085564,"num_words":169,"start":1339.035,"end":1389.6749},{"sentences":[{"text":"And then with that, you do pay a lower investment cost, and it just kinda tracks what the markets are doing.","start":1390.0549,"end":1394.955,"sentiment":"neutral","sentiment_score":0.25382126725855325},{"text":"And you're not sort of betting on a fund manager to make the right decisions, especially with the markets at the moment, there is obviously opportunities to be able to outperform the market when the markets are topsy-turvy like this.","start":1395.7001,"end":1405.88,"sentiment":"neutral","sentiment_score":0.03610420916229486},{"text":"But also with those many funds, it's also like that did occur as the option that it does potentially out like, perform worse than just what the markets are doing as well, if that makes sense.","start":1405.9401,"end":1418.755,"sentiment":"negative","sentiment_score":-0.4244560804218054},{"text":"Yeah.","start":1430.5901,"end":1430.99,"sentiment":"neutral","sentiment_score":0.1541808843612671},{"text":"Because we can show you sort of what it looks like, and then you can sort of make a decision.","start":1430.99,"end":1436.1901,"sentiment":"neutral","sentiment_score":0.28172747194767}],"sentiment":"neutral","sentiment_score":-0.023027742313126386,"num_words":118,"start":1390.0549,"end":1436.1901},{"sentences":[{"text":"We can show you what the, like, if we go with a more passive approach, which is that lower cost, it will save you sort of ongoing money.","start":1436.1901,"end":1441.945,"sentiment":"positive","sentiment_score":0.3826992506427424},{"text":"And given that you're not contributing sorta at the moment, it'll mean that you sort of like, fees are lower in terms of, like, the investment cost, which is, like, a guaranteed savings even if it doesn't perform as well as, like, if you didn't have an active portal portion that did perform well, if that makes sense.","start":1441.945,"end":1457.68,"sentiment":"neutral","sentiment_score":0.132407899841602},{"text":"Because it's not like the whole port yeah.","start":1458.2201,"end":1460.4601,"sentiment":"neutral","sentiment_score":-0.05237595713697374},{"text":"It's not like the whole portfolio would be active anyway.","start":1460.4601,"end":1462.7001,"sentiment":"neutral","sentiment_score":-0.0955944661051035},{"text":"There would be a portion that would be passive that sorta is lower cost.","start":1462.7001,"end":1466.995,"sentiment":"neutral","sentiment_score":0.11462123186460563}],"sentiment":"neutral","sentiment_score":0.15783883166751997,"num_words":118,"start":1436.1901,"end":1466.995},{"sentences":[{"text":"The core of the portfolio with, like, either the active portion or not.","start":1467.055,"end":1470.595,"sentiment":"neutral","sentiment_score":0.07195435664974727},{"text":"It's a bit of a flip of the coin at the moment.","start":1474.175,"end":1475.9349,"sentiment":"neutral","sentiment_score":-0.05634238612644064},{"text":"Obviously, with the markets, like, overall, they still, like, have been tracking well over the past five years just with the indexes.","start":1475.9349,"end":1482.2101,"sentiment":"neutral","sentiment_score":0.23586156524040483},{"text":"So you can't really go wrong if you were just in the indexes for the past five years.","start":1482.2101,"end":1485.99,"sentiment":"neutral","sentiment_score":0.11909633378187816},{"text":"And in saying that it is oh, sorry.","start":1487.0901,"end":1489.99,"sentiment":"neutral","sentiment_score":-0.029773519607260823}],"sentiment":"neutral","sentiment_score":0.10073696286895963,"num_words":73,"start":1467.055,"end":1489.99},{"sentences":[{"text":"Yeah.","start":1496.1649,"end":1496.565,"sentiment":"neutral","sentiment_score":-0.023873740807175636},{"text":"So yeah.","start":1496.565,"end":1499.0449,"sentiment":"neutral","sentiment_score":-0.03451948147267103},{"text":"So so with that, like, as long as the the markets continue to tick along, like, they haven't responded, like, horrifically to those, like, wars.","start":1499.0449,"end":1507.14,"sentiment":"neutral","sentiment_score":-0.16901677325367928},{"text":"Obviously, if it kicks off a little bit more, it may sort of take, like, a significant dive, but it's still sorta, you know, ticking along at a pace.","start":1507.14,"end":1513.46,"sentiment":"neutral","sentiment_score":-0.28065552845083436},{"text":"Whereas, like, if you do a managed fund, they're obviously making those bets and, you know, it's a lot harder to make the the right sort of bets when the the times like now when things change so significantly and sort of something you can't really put on paper as to what you think is gonna happen because, you know, no one sort of saw the the Iran and Venezuela thing coming sort of, you know, in your bingo card for the start of 2026.","start":1513.46,"end":1536.44,"sentiment":"neutral","sentiment_score":-0.18235107568256995}],"sentiment":"neutral","sentiment_score":-0.19688157600836015,"num_words":142,"start":1496.1649,"end":1536.44},{"sentences":[{"text":"Yep.","start":1541.5399,"end":1542.0399,"sentiment":"neutral","sentiment_score":-0.020884735509753227},{"text":"As I said, like yeah.","start":1542.5,"end":1547.3049,"sentiment":"neutral","sentiment_score":0.006341109983623028},{"text":"And you'll still have the same allocation to, like, growth assets.","start":1549.525,"end":1552.725,"sentiment":"neutral","sentiment_score":0.2416699914769693},{"text":"You just won't have, like, an active fund manager trying to, like, do buyers and sales to find value in the market.","start":1552.725,"end":1558.165,"sentiment":"neutral","sentiment_score":0.06008758802305569},{"text":"It'll just track what the market themselves are doing.","start":1558.165,"end":1562.03,"sentiment":"neutral","sentiment_score":0.02530071780913406}],"sentiment":"neutral","sentiment_score":0.08789216911342616,"num_words":48,"start":1541.5399,"end":1562.03},{"sentences":[{"text":"Perfect.","start":1563.09,"end":1563.59,"sentiment":"positive","sentiment_score":0.478250116109848},{"text":"And then with that there, that documents there for you to review just what did occur the last twelve months there will just be going to DanielMullins1@BigPond.com, if that's still correct?","start":1565.09,"end":1574.23,"sentiment":"neutral","sentiment_score":0.10379129239628392},{"text":"Perfect.","start":1576.325,"end":1576.825,"sentiment":"positive","sentiment_score":0.5010747909545898},{"text":"So that'll come through.","start":1577.205,"end":1578.1649,"sentiment":"positive","sentiment_score":0.4269240275025368},{"text":"So feel free to review that and come back with any questions you may have.","start":1578.1649,"end":1581.205,"sentiment":"positive","sentiment_score":0.41088812152544657}],"sentiment":"neutral","sentiment_score":0.23207447892771318,"num_words":52,"start":1563.09,"end":1581.205},{"sentences":[{"text":"Now the other thing I want to have a quick chat about is that you've got the the life and TPD portion.","start":1581.205,"end":1586.585,"sentiment":"neutral","sentiment_score":0.005566235314207998},{"text":"With your insurances, you don't currently hold any income protection or, like, trauma insurance.","start":1586.8049,"end":1591.28,"sentiment":"neutral","sentiment_score":-0.10315969373498644},{"text":"Now given that you have through business.","start":1592.2201,"end":1599.3601,"sentiment":"neutral","sentiment_score":-0.02947181702724525},{"text":"Yep.","start":1606.875,"end":1607.115,"sentiment":"neutral","sentiment_score":0.0032208003103733063},{"text":"Is it like a key person's business insurance, or is it like an actual income protection policy?","start":1607.115,"end":1611.695,"sentiment":"neutral","sentiment_score":-0.025697772665058866}],"sentiment":"neutral","sentiment_score":-0.03215938671415702,"num_words":61,"start":1581.205,"end":1611.695},{"sentences":[{"text":"Okay.","start":1618.1699,"end":1618.6699,"sentiment":"neutral","sentiment_score":-0.017320310696959496},{"text":"That's how long it will last through to?","start":1628.745,"end":1630.605,"sentiment":"neutral","sentiment_score":-0.07286346843466163},{"text":"Yep.","start":1635.465,"end":1635.965,"sentiment":"neutral","sentiment_score":0.003105985000729561},{"text":"And are your insurances something that you wanna review?","start":1636.4249,"end":1639.625,"sentiment":"neutral","sentiment_score":-0.015784013602468703},{"text":"Because, obviously, at the moment, your death and total parent dispute at the moment, they cover, you know, for about, like, a bit over half of, like, your current mortgage debt.","start":1639.625,"end":1648.85,"sentiment":"neutral","sentiment_score":-0.09981687751508528}],"sentiment":"neutral","sentiment_score":-0.0766700279712677,"num_words":50,"start":1618.1699,"end":1648.85},{"sentences":[{"text":"Okay.","start":1650.11,"end":1650.61,"sentiment":"neutral","sentiment_score":-0.05645489692687988},{"text":"And you don't like, obviously, you have the income protection policy with us or the trauma insurance, which is, like, an outside super insurance in the event that anything needs to happen, but, like, strokes, heart attacks, things like that.","start":1650.83,"end":1662.215,"sentiment":"neutral","sentiment_score":-0.10842262641526759},{"text":"Is this something you wanna look at reviewing and going through the pre assessment process to be out of sort of review those insurances, giving you a new level of debt?","start":1662.275,"end":1669.555,"sentiment":"neutral","sentiment_score":0.006268135121753139},{"text":"Or yeah.","start":1669.555,"end":1680.02,"sentiment":"neutral","sentiment_score":-0.05459236912429333},{"text":"Obviously, it, like, it comes down to, like, what you're comfortable with.","start":1680.02,"end":1683.2999,"sentiment":"neutral","sentiment_score":-0.05814834497869015}],"sentiment":"neutral","sentiment_score":-0.05820944933437331,"num_words":86,"start":1650.11,"end":1683.2999},{"sentences":[{"text":"Obviously, if your partner is still working as well and she's able to cover, like, her half of the debt, if, like, were to go wrong, it just means that worst case scenario, if something did happen to you and you're unable to work and you are totally permanently disabled, you would be able to pay off about half the mortgage.","start":1683.2999,"end":1697.52,"sentiment":"neutral","sentiment_score":-0.18027222321414557},{"text":"But when it comes to anything far that, you'd probably have to look at either, you know, relying on your investment property income, government assistance programs that you're eligible for, things like that as well.","start":1697.52,"end":1706.5801,"sentiment":"neutral","sentiment_score":-0.04215447072471891},{"text":"If you could yeah.","start":1707.84,"end":1713.215,"sentiment":"neutral","sentiment_score":-0.07621913868933916},{"text":"That yeah.","start":1713.215,"end":1714.415,"sentiment":"neutral","sentiment_score":-0.038597699254751205},{"text":"If you increase the sum insured, obviously, it does go up.","start":1714.415,"end":1716.655,"sentiment":"neutral","sentiment_score":-0.06627188284288753}],"sentiment":"neutral","sentiment_score":-0.12020420138023596,"num_words":113,"start":1683.2999,"end":1716.655},{"sentences":[{"text":"At the moment, you're only paying around 1,100 per annum in terms of, like, insurance cost, so it's not very high.","start":1716.655,"end":1724.2001,"sentiment":"neutral","sentiment_score":-0.15807734926541647},{"text":"You could look to either increase, you know, the the benefit amount for life and TPD or look at, you know, doing a lump sort of together with an IP policy and just having it all in one spot or looking at, you know, the outside trauma insurance as well.","start":1724.3401,"end":1738.115,"sentiment":"neutral","sentiment_score":-0.04325199767947197},{"text":"But if you're comfortable with the level of amount that you do have currently, it's not to say that it's bad by any means.","start":1738.575,"end":1743.9349,"sentiment":"neutral","sentiment_score":0.0700597142179807},{"text":"It just means you'd have to work towards being a little bit more self insured, which is where savings comes into it, building up your equity within the property, things like that as well.","start":1743.9349,"end":1752.87,"sentiment":"neutral","sentiment_score":0.2265639296349357},{"text":"Because all yeah.","start":1757.7301,"end":1759.67,"sentiment":"neutral","sentiment_score":0.23168805738290152}],"sentiment":"neutral","sentiment_score":0.034829141685005394,"num_words":132,"start":1716.655,"end":1759.67},{"sentences":[{"text":"All insurance is at the end of the day is, like, risk mitigation.","start":1759.835,"end":1762.395,"sentiment":"neutral","sentiment_score":0.3175940421911386},{"text":"There's no, like, sort of guarantee you're ever gonna claim on it.","start":1762.395,"end":1765.055,"sentiment":"neutral","sentiment_score":-0.13998764815429846},{"text":"So some people do prefer to work towards being a little bit more self insured and not having to pay as high premium and just having a little bit of it.","start":1765.355,"end":1773.47,"sentiment":"neutral","sentiment_score":0.20506726373587886},{"text":"Some people like to cover fully if anything was to go wrong and then sort of not self insure as much at the end of the day as well.","start":1773.47,"end":1780.0499,"sentiment":"neutral","sentiment_score":0.1047246820967773},{"text":"Yep.","start":1791.325,"end":1791.8049,"sentiment":"neutral","sentiment_score":0.05701054632663727}],"sentiment":"neutral","sentiment_score":0.13837188690207725,"num_words":86,"start":1759.835,"end":1791.8049},{"sentences":[{"text":"No.","start":1791.8049,"end":1792.0449,"sentiment":"neutral","sentiment_score":-0.0020210593938827515},{"text":"Completely understandable.","start":1792.0449,"end":1793.105,"sentiment":"neutral","sentiment_score":0.06064758449792862},{"text":"If you're you're happy with that and you're happy with the level of covers that you have, if you could email through the the IP policy just so we could have it on file as something we have, and then we might get them to send out a third party authority just to get a bit of information on that one just so we've got it for our reference as well if anything does happen.","start":1793.485,"end":1812.405,"sentiment":"neutral","sentiment_score":0.21358390033245087},{"text":"But I'll what was that?","start":1814.3251,"end":1820.405,"sentiment":"neutral","sentiment_score":-0.0439470075070858},{"text":"Sorry.","start":1820.405,"end":1820.725,"sentiment":"neutral","sentiment_score":-0.09071258455514908}],"sentiment":"neutral","sentiment_score":0.188424035862443,"num_words":84,"start":1791.8049,"end":1820.725},{"sentences":[{"text":"Just cut out just a little bit.","start":1820.725,"end":1822.105,"sentiment":"neutral","sentiment_score":-0.05374403191464288},{"text":"Yeah.","start":1824.9801,"end":1825.2201,"sentiment":"neutral","sentiment_score":0.12999236583709717},{"text":"Perfect.","start":1825.2201,"end":1825.7201,"sentiment":"neutral","sentiment_score":0.31640782952308655},{"text":"Do you have one of our emails there, like info at Oakview Financial already?","start":1826.02,"end":1829.56,"sentiment":"neutral","sentiment_score":0.0858394375869206},{"text":"I'm not too sure if it does come through as the same one as the newsletter, but it is just info at Oakview Financial dot com dot a u.","start":1838.675,"end":1847.255,"sentiment":"neutral","sentiment_score":0.022622677658138603}],"sentiment":"neutral","sentiment_score":0.037076956735780604,"num_words":52,"start":1820.725,"end":1847.255},{"sentences":[{"text":"Yeah.","start":1848.035,"end":1848.275,"sentiment":"neutral","sentiment_score":0.11963389068841934},{"text":"Okay.","start":1848.275,"end":1848.515,"sentiment":"neutral","sentiment_score":0.32704246044158936},{"text":"Brilliant.","start":1848.515,"end":1849.015,"sentiment":"positive","sentiment_score":0.5564495325088501},{"text":"If you just send that one through, that'd be great.","start":1849.7999,"end":1851.7999,"sentiment":"positive","sentiment_score":0.5006736397743226},{"text":"So we're gonna review that.","start":1851.7999,"end":1853.32,"sentiment":"neutral","sentiment_score":0.2330662339925766}],"sentiment":"positive","sentiment_score":0.3986218584080537,"num_words":18,"start":1848.035,"end":1853.32},{"sentences":[{"text":"And then in the back end there, we'll just look at doing the research on that, look at getting that updated there for you in terms of the investment review.","start":1853.32,"end":1860.62,"sentiment":"neutral","sentiment_score":0.20292680809895197},{"text":"But is there any anything else that you wanted particular advice on anything else you wanted to review at the moment?","start":1860.9199,"end":1865.055,"sentiment":"neutral","sentiment_score":0.13601152244068326},{"text":"Like, obviously, I know you're speaking to an account and maybe have a chat with a a mortgage broker down the track, but if you reach out.","start":1865.055,"end":1871.135,"sentiment":"neutral","sentiment_score":0.07095937430858612},{"text":"But is there anything that you want specifically addressed or reviewed at this time?","start":1871.135,"end":1874.495,"sentiment":"neutral","sentiment_score":0.0027502161849822316},{"text":"Like or pretty yeah.","start":1874.495,"end":1887.52,"sentiment":"neutral","sentiment_score":-0.00981600722298026}],"sentiment":"neutral","sentiment_score":0.11311654498179753,"num_words":96,"start":1853.32,"end":1887.52},{"sentences":[{"text":"That's not a problem at all.","start":1887.52,"end":1888.7999,"sentiment":"neutral","sentiment_score":0.13443219910065332},{"text":"Obviously yeah.","start":1888.7999,"end":1900.205,"sentiment":"neutral","sentiment_score":0.10657190904021263},{"text":"I think when would that be coming up?","start":1900.205,"end":1903.26,"sentiment":"neutral","sentiment_score":0.033939388114959},{"text":"I'd have to check when her annual review would be be coming up there as okay.","start":1903.26,"end":1914.64,"sentiment":"neutral","sentiment_score":0.07073017815127969},{"text":"Yep.","start":1923.1951,"end":1923.6951,"sentiment":"neutral","sentiment_score":0.2149868607521057}],"sentiment":"neutral","sentiment_score":0.07993702511444237,"num_words":33,"start":1887.52,"end":1923.6951},{"sentences":[{"text":"Right.","start":1924.155,"end":1924.655,"sentiment":"neutral","sentiment_score":0.240924209356308},{"text":"Well, yeah, I'll see where that's at with that as well.","start":1924.9551,"end":1928.015,"sentiment":"neutral","sentiment_score":0.24685029008171774},{"text":"In regards to that and, yeah, you do have that 1.1% coupling fee, which is still active.","start":1928.8401,"end":1933.72,"sentiment":"neutral","sentiment_score":0.327374889570124},{"text":"So that's good as well in terms of, like, your ongoing fees, which is good.","start":1933.72,"end":1937.1,"sentiment":"positive","sentiment_score":0.5551285048325857},{"text":"Perfect.","start":1940.04,"end":1940.52,"sentiment":"positive","sentiment_score":0.6158660650253296}],"sentiment":"positive","sentiment_score":0.38809875912136504,"num_words":45,"start":1924.155,"end":1940.52},{"sentences":[{"text":"I'll see with the team and touch base when she's sort of due for annual review and when that's coming up there as well.","start":1940.52,"end":1945.7051,"sentiment":"positive","sentiment_score":0.43045498927434284},{"text":"And then, yeah, even if she wants to have a chat about sort of the the mortgage broker or anything like that and doing that review, then that's more than fine as well.","start":1946.165,"end":1954.2,"sentiment":"neutral","sentiment_score":0.09226086769591678},{"text":"Yeah.","start":1957.1599,"end":1957.48,"sentiment":"neutral","sentiment_score":0.11757473647594452},{"text":"Even if it's like, you know, you don't know unless you sort of have a look at it.","start":1957.48,"end":1961.1599,"sentiment":"neutral","sentiment_score":0.07884331771896945},{"text":"And mortgage brokers are generally paid through the institution, so it doesn't really cost you to to check.","start":1961.1599,"end":1966.1399,"sentiment":"neutral","sentiment_score":0.16903674768077004}],"sentiment":"neutral","sentiment_score":0.19101004564064614,"num_words":94,"start":1940.52,"end":1966.1399},{"sentences":[{"text":"And then with that, you might be getting a better rate sort of thing as well.","start":1968.055,"end":1971.515,"sentiment":"neutral","sentiment_score":0.2686838498339057},{"text":"Perfect.","start":1974.6951,"end":1975.1951,"sentiment":"positive","sentiment_score":0.38792145252227783},{"text":"But any questions for me there, Danny, while you've got me in regards to anything?","start":1975.5751,"end":1978.635,"sentiment":"neutral","sentiment_score":0.09863779271642367},{"text":"Not a problem at all.","start":1981.9099,"end":1982.71,"sentiment":"neutral","sentiment_score":0.1436678260564804},{"text":"Well, I'll let you get back to your day.","start":1982.71,"end":1984.07,"sentiment":"neutral","sentiment_score":0.23472312920623356}],"sentiment":"neutral","sentiment_score":0.19559298334238323,"num_words":46,"start":1968.055,"end":1984.07},{"sentences":[{"text":"Obviously, we'll be in touch once they sort of get everything together, get the research together, and get that document together for you in terms of that update and getting that together for you.","start":1984.07,"end":1993.0951,"sentiment":"neutral","sentiment_score":0.23300511521451614},{"text":"And then we'll have book in, have a chat, and see what you you think about it.","start":1993.0951,"end":1996.295,"sentiment":"positive","sentiment_score":0.3379197944613064},{"text":"And if you do wanna make some changes from that as well, feel free to sort of vase any concerns you may have in regards to it because, obviously, at the end of the day, it's your money, so you can have a say if you wanna go ahead with it or not.","start":1996.295,"end":2007.27,"sentiment":"neutral","sentiment_score":0.22202632583256038},{"text":"Not a problem, Daniel.","start":2008.9501,"end":2009.91,"sentiment":"positive","sentiment_score":0.5544877648353577},{"text":"Well, enjoy the rest of your day.","start":2009.91,"end":2011.11,"sentiment":"positive","sentiment_score":0.7867676189967564}],"sentiment":"neutral","sentiment_score":0.28834373986591466,"num_words":115,"start":1984.07,"end":2011.11},{"sentences":[{"text":"Take it easy.","start":2011.11,"end":2011.75,"sentiment":"positive","sentiment_score":0.6089193026224772},{"text":"Don't work too hard out there.","start":2011.75,"end":2013.13,"sentiment":"neutral","sentiment_score":0.05825790266195933},{"text":"Brilliant.","start":2017.2389,"end":2017.7389,"sentiment":"neutral","sentiment_score":0.26968079805374146},{"text":"Alright, mate.","start":2017.8789,"end":2018.3589,"sentiment":"neutral","sentiment_score":0.20424572378396988},{"text":"I'll talk soon.","start":2018.3589,"end":2019.079,"sentiment":"neutral","sentiment_score":0.11384233335653941}],"sentiment":"neutral","sentiment_score":0.21306697130203248,"num_words":15,"start":2011.11,"end":2019.079},{"sentences":[{"text":"Catch you later.","start":2019.079,"end":2019.719,"sentiment":"positive","sentiment_score":0.44816628098487854},{"text":"Bye.","start":2019.719,"end":2020.219,"sentiment":"neutral","sentiment_score":0.18356597423553467}],"sentiment":"positive","sentiment_score":0.38201620429754257,"num_words":4,"start":2019.079,"end":2020.219}]}}]},{"alternatives":[{"transcript":"Hello? Good morning, sir. Hello? Good call there. You might Yeah, mate. Yeah. Daniel Mullins. So that's the 5981. And eighty three Mossman's Lane, Menildra. Yep. Yep. That's right. Yeah. I can. Yep. Alright. So it's 0428 387 08 four. Yep. That's fine. Yeah, mate. Yep. Yep. Yeah. Yes. No. I haven't changed. I still haven't. Yeah. Okay. And on Beyond, 2021, I think it was, or 2020. Yeah. Made on and off since I was 18. So yeah. Yeah. Yep. Forty forty odd forty five. Around that. Yeah. And I hadn't really changed the water. If it did, it wouldn't have been much. Well, fuel because I'm busy in weeks, fuel would be 300 to 400. Saving me, I'm not totally sure. Well, everything we got everything we got, and then go straight off into more bank. And then yeah. She does. Yeah. Yeah. And then once I get, like which I'm yet to. Like, once my account builds up to what it is at the moment, I usually just take a whack off the health plan. Yeah. Well, yeah, I'd have I've actually got a mate to chat on Monday. I'm pretty sure. So I'd I'd get yet to speak to he's got he's been with us for the last two years, and I'm yet to meet him. So yeah. Possibly, yeah. Yeah. Yeah. For sure. Yeah. Yeah. On the old house? That's right. Yeah. I think it'd be still around at 4, maybe $4.04 50 probably maybe now. No. No. Yeah. No. It's been been ran to the right. Yep. Yep. Well, $700,007.30 or 40 build on the price was $2.50. So yeah. I suppose it'd be close to a million. 700, I think. Yeah. Mate, but but probably the late sevens. Okay. I didn't we didn't speak to anyone. We just did not going with the bank. Brianna was with, and I, yeah, met met them and then had a meeting and then, yeah, they approved it, I think, a couple of weeks later. Hello? Okay. Yep. Yeah. Okay. It might be something we need to look into. Yeah. We you're right. Yeah. For sure. Yep. Okay. Yeah. Yeah. It's taken the the escalator model is deteriorated a bit now. I've put a few noise on it, but No. No. It's paid off. $1.40. Oh, that's the sailing. Yeah. No. No. It's just yeah. That's just my everyday account. And I I don't yeah. I don't gain any interest on it. I think because it's always up and down and that's good everything. Yeah. Sorry. Yeah. Yes. Yep. Yeah. I think it's yeah. Around that four $5.04, possibly. I think I thought she mentioned it the other day. Yep. Okay. Yeah. Yeah. It's odd. Yep. Yeah. Well, that's for what? No. No. No. No. We don't. No. No. I haven't. I was actually only woke up this morning and thought about that or yesterday morning. Yep. Yeah. Yep. Yeah. I have looked at them at the end. Sort of didn't elaborate on a lot of things that it was sent. Yep. Well, that's all of it. Yep. Yes. Yep. Yep. Yep. Oh, okay. Yes. Yeah. Yeah. Yeah. That's alright. Yep. Yeah. It's cool. Never actually knew that. Yeah. Yep. Yeah. It would not extend. No. No. Yeah. Yeah. I think next thing is be well, get a bigger machine. Sort of and I'm not, yeah, in and out of the truck load. Yeah. That was probably on the next that was one thing on the to do this in the next sort of couple of years. That's right. No. Not at this stage. That's yeah. Probably just upgrade the truck and, yeah, bigger probably a bigger machine to a bit more weather likely that rather than sitting in the open cab. All all the hot dogs are sitting there. Connor. No. Sorry. I got off just a minute with the machine. Probably more on the moderate, I think. I would imagine. I I reckon. Yeah. Yes. Yeah. That's a hard one. Is it real signs if it ever crashed? Yeah. I think so. I have to talk to someone like you guys, I reckon, and I'll get the best advice, like, if it was because it was a bit nuts. Not extremely. No. Yeah. Thought it was always gonna be a lot at the end. But, yeah, this was probably was I don't know what's gonna happen with ours. Yeah. That's right. Yeah. I think, like yeah. Potentially. Yeah. Like, one like I said, like you said, main thing is we get rid of that house loan. We'll get it down. And then, yeah, if we'll sit down well, yeah, I would definitely. Yep. Yeah. Yeah. Yep. Yep. Yeah. That's right. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Okay. Yeah. Yeah. It does. Yeah. I know. That one. Yep. Yeah. Yeah. Sounds a little bit. Yeah. Yep. What what would you what what would you recommend? Yeah. Well, I've done it. I've done anything in the next sort of twelve months. He's gonna settle settle down, is it? Like, with the walls on time. Yeah. Yeah. True. Yeah. Yep. Yep. Yeah. No. Definitely not. Yeah. Yeah. I'll probably start then with the log what you're saying the log restart. If it's just poking along, it's better than yeah. Yep. Yep. Sure. I lost it. Yep. That's it. Correct. Yep. Oh, I have got I have got income protection. I had to do that to get to, like, a business in town. So I that that was one of their requirements. I think it's a proper policy. Yeah. And I think I'm locked in to it to 2047 for memory. Like, I can opt out what I want, but so yeah. It's it's for me to get any work with this company or I have to be in one. Yep. No. What? Yep. I'll probably I don't even know when I'm talking anytime soon. Yes. Yes. Yeah. What would would that be a higher premium if if I did up that rate? Obviously, it would be. Yep. Yeah. Yeah. I got. Yep. Yeah. Well, I think yeah. I'll probably just leave it where it is, but the current time. Yep. Yeah. Okay. And, yeah, I'll I'll get the it'll be just the same as what the newsletter and everything. Yes. Yes. Okay. Not really. Yeah. It's just both of us to just knock on down sort of thing. Yeah. But as I say, is that because my wife's with you guys as well, so I have no doubt easily talking to her in the next couple of days or weeks. So and normally, she's Monday because she's she's in the office on a Monday. But she does all the accounts Monday. So yeah. So I'd say probably like to do some yeah. Monday or the next fortnight or so. Okay. Yep. Yeah. It was that's definitely something to look into. Yep. Yeah. For sure. I'm not right now. Yep. Okay. No. I'm probably sitting there. Go ahead and tell him what billing to alright. Thanks a lot. Alright, guys. Bye bye.","confidence":0.8903571,"words":[{"word":"hello","start":0.88,"end":1.38,"confidence":0.928134,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.024542024359107018},{"word":"good","start":2.6399999,"end":2.8799999,"confidence":0.3870897,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.33193686604499817},{"word":"morning","start":2.8799999,"end":3.1999998,"confidence":0.48714387,"punctuated_word":"morning,","sentiment":"neutral","sentiment_score":0.3057137429714203},{"word":"sir","start":3.1999998,"end":3.6999998,"confidence":0.5849225,"punctuated_word":"sir.","sentiment":"neutral","sentiment_score":0.16439731419086456},{"word":"hello","start":4.48,"end":4.98,"confidence":0.6620921,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.09661053121089937},{"word":"good","start":6.16,"end":6.3999996,"confidence":0.9111771,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.49060943722724915},{"word":"call","start":6.3999996,"end":6.64,"confidence":0.8345319,"punctuated_word":"call","sentiment":"positive","sentiment_score":0.4126148819923401},{"word":"there","start":6.64,"end":6.7999997,"confidence":0.5706575,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.3942559063434601},{"word":"you","start":6.7999997,"end":7.04,"confidence":0.48081553,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.19936978816986084},{"word":"might","start":7.04,"end":7.54,"confidence":0.38916576,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.19719713926315308},{"word":"yeah","start":13.44,"end":13.679999,"confidence":0.64331305,"punctuated_word":"Yeah,","sentiment":"neutral","sentiment_score":0.20041365921497345},{"word":"mate","start":13.679999,"end":14.08,"confidence":0.85420275,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":0.24080543220043185},{"word":"yeah","start":14.08,"end":14.58,"confidence":0.82236063,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.33224087953567505},{"word":"daniel","start":22.625,"end":23.025,"confidence":0.585225,"punctuated_word":"Daniel","sentiment":"neutral","sentiment_score":0.032323624938726425},{"word":"mullins","start":23.025,"end":23.525,"confidence":0.7137337,"punctuated_word":"Mullins.","sentiment":"neutral","sentiment_score":0.038916658610105515},{"word":"so","start":23.985,"end":24.145,"confidence":0.31251386,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05526656284928322},{"word":"that's","start":24.145,"end":24.465,"confidence":0.78533065,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.05723051354289055},{"word":"the","start":24.465,"end":24.625,"confidence":0.6028057,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04859748110175133},{"word":"5981","start":24.625,"end":26.085,"confidence":0.6574904,"punctuated_word":"5981.","sentiment":"neutral","sentiment_score":0.061005957424640656},{"word":"and","start":26.785,"end":27.105,"confidence":0.39715827,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04700278863310814},{"word":"eighty","start":27.105,"end":27.425,"confidence":0.84354085,"punctuated_word":"eighty","sentiment":"neutral","sentiment_score":0.04773484915494919},{"word":"three","start":27.425,"end":27.744999,"confidence":0.9939219,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.03579256683588028},{"word":"mossman's","start":27.744999,"end":28.244999,"confidence":0.5735769,"punctuated_word":"Mossman's","sentiment":"neutral","sentiment_score":0.06950255483388901},{"word":"lane","start":28.305,"end":28.805,"confidence":0.78528273,"punctuated_word":"Lane,","sentiment":"neutral","sentiment_score":0.07459785044193268},{"word":"menildra","start":28.865,"end":29.365,"confidence":0.75463593,"punctuated_word":"Menildra.","sentiment":"neutral","sentiment_score":0.10590382665395735},{"word":"yep","start":56.704998,"end":57.204998,"confidence":0.7911782,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04402809590101242},{"word":"yep","start":70.43,"end":70.83,"confidence":0.74185556,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.051389820873737335},{"word":"that's","start":70.83,"end":71.15,"confidence":0.88468647,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07893378287553787},{"word":"right","start":71.15,"end":71.65,"confidence":0.975484,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.1310534626245499},{"word":"yeah","start":80.285,"end":80.525,"confidence":0.99323106,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.006093800999224186},{"word":"i","start":80.525,"end":80.765,"confidence":0.9867382,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.001535484567284584},{"word":"can","start":80.765,"end":81.265,"confidence":0.9974625,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.006268834695219994},{"word":"yep","start":81.325,"end":81.825,"confidence":0.817032,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01787889376282692},{"word":"alright","start":82.685,"end":83.005,"confidence":0.72342694,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.053389813750982285},{"word":"so","start":83.005,"end":83.245,"confidence":0.9771823,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.039473094046115875},{"word":"it's","start":83.245,"end":83.405,"confidence":0.954794,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04227001592516899},{"word":"0428","start":83.405,"end":84.625,"confidence":0.96876776,"punctuated_word":"0428","sentiment":"neutral","sentiment_score":0.037619903683662415},{"word":"387","start":85.965,"end":87.025,"confidence":0.9984719,"punctuated_word":"387","sentiment":"neutral","sentiment_score":0.02941681072115898},{"word":"08","start":89.78,"end":90.44,"confidence":0.9192413,"punctuated_word":"08","sentiment":"neutral","sentiment_score":0.029647119343280792},{"word":"four","start":97.22,"end":97.72,"confidence":0.93962944,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":-0.0675455629825592},{"word":"yep","start":98.659996,"end":99.159996,"confidence":0.91168153,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.036249928176403046},{"word":"that's","start":99.94,"end":100.34,"confidence":0.64993227,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.08658967912197113},{"word":"fine","start":100.34,"end":100.84,"confidence":0.9960507,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.11045923084020616},{"word":"yeah","start":104.965004,"end":105.205,"confidence":0.86168385,"punctuated_word":"Yeah,","sentiment":"neutral","sentiment_score":0.08147461712360382},{"word":"mate","start":105.205,"end":105.705,"confidence":0.98747045,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":0.0988151878118515},{"word":"yep","start":105.765,"end":106.265,"confidence":0.9394877,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08825920522212982},{"word":"yep","start":112.965004,"end":113.465004,"confidence":0.89889276,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05876901745796203},{"word":"yeah","start":115.685,"end":116.185,"confidence":0.8589606,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02092912048101425},{"word":"yes","start":116.67,"end":117.17,"confidence":0.8203356,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05230490863323212},{"word":"no","start":118.21,"end":118.71,"confidence":0.6127458,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0427795872092247},{"word":"i","start":119.75,"end":120.25,"confidence":0.7971431,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04126466065645218},{"word":"haven't","start":121.29,"end":121.79,"confidence":0.767822,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.015721231698989868},{"word":"changed","start":122.83,"end":123.33,"confidence":0.572446,"punctuated_word":"changed.","sentiment":"neutral","sentiment_score":-0.06557347625494003},{"word":"i","start":125.31,"end":125.47,"confidence":0.39144197,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04515356943011284},{"word":"still","start":125.47,"end":125.97,"confidence":0.70120573,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.04643718898296356},{"word":"haven't","start":127.23,"end":127.73,"confidence":0.83060557,"punctuated_word":"haven't.","sentiment":"neutral","sentiment_score":-0.06614787131547928},{"word":"yeah","start":129.295,"end":129.795,"confidence":0.9188392,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.031323906034231186},{"word":"okay","start":140.33499,"end":140.655,"confidence":0.7879251,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02443009614944458},{"word":"and","start":140.655,"end":140.735,"confidence":0.5068142,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01669374294579029},{"word":"on","start":140.735,"end":140.895,"confidence":0.6989265,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.009223599918186665},{"word":"beyond","start":140.895,"end":141.395,"confidence":0.5873569,"punctuated_word":"Beyond,","sentiment":"neutral","sentiment_score":0.010000618174672129},{"word":"2021","start":141.935,"end":144.40999,"confidence":0.8585606,"punctuated_word":"2021,","sentiment":"neutral","sentiment_score":0.020549843087792397},{"word":"i","start":144.46999,"end":144.54999,"confidence":0.98297966,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02797390334308147},{"word":"think","start":144.54999,"end":144.87,"confidence":0.99980265,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.015789413824677467},{"word":"it","start":144.87,"end":144.95,"confidence":0.96785194,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.024121761322021484},{"word":"was","start":144.95,"end":145.26999,"confidence":0.89168465,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":0.015679992735385895},{"word":"or","start":145.26999,"end":145.59,"confidence":0.9925568,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01908562332391739},{"word":"2020","start":145.59,"end":146.40999,"confidence":0.97869915,"punctuated_word":"2020.","sentiment":"neutral","sentiment_score":0.02670743688941002},{"word":"yeah","start":148.79,"end":149.29,"confidence":0.99580944,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.023560013622045517},{"word":"made","start":151.82999,"end":152.32999,"confidence":0.63065386,"punctuated_word":"Made","sentiment":"neutral","sentiment_score":0.032409973442554474},{"word":"on","start":153.18999,"end":153.34999,"confidence":0.60652816,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.032569319009780884},{"word":"and","start":153.34999,"end":153.59,"confidence":0.9099898,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.031191851943731308},{"word":"off","start":153.59,"end":153.67,"confidence":0.9989925,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.03154482692480087},{"word":"since","start":153.67,"end":153.98999,"confidence":0.99306667,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.03666265681385994},{"word":"i","start":153.98999,"end":154.06999,"confidence":0.97786695,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.045710138976573944},{"word":"was","start":154.06999,"end":154.15,"confidence":0.9885699,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.035249222069978714},{"word":"18","start":154.15,"end":154.65,"confidence":0.87802655,"punctuated_word":"18.","sentiment":"neutral","sentiment_score":0.054152846336364746},{"word":"so","start":154.70999,"end":155.20999,"confidence":0.96272105,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08862436562776566},{"word":"yeah","start":158.895,"end":159.395,"confidence":0.94942313,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.16656041145324707},{"word":"yeah","start":159.935,"end":160.335,"confidence":0.872265,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12341216206550598},{"word":"yep","start":160.335,"end":160.835,"confidence":0.81896245,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11473974585533142},{"word":"forty","start":177.3,"end":177.8,"confidence":0.6506059,"punctuated_word":"Forty","sentiment":"neutral","sentiment_score":0.02474426291882992},{"word":"forty","start":178.26,"end":178.58,"confidence":0.97888786,"punctuated_word":"forty","sentiment":"neutral","sentiment_score":0.02265511453151703},{"word":"odd","start":178.58,"end":178.9,"confidence":0.5665755,"punctuated_word":"odd","sentiment":"neutral","sentiment_score":0.013140931725502014},{"word":"forty","start":178.9,"end":179.22,"confidence":0.82664496,"punctuated_word":"forty","sentiment":"neutral","sentiment_score":0.02325225993990898},{"word":"five","start":179.22,"end":179.72,"confidence":0.7616927,"punctuated_word":"five.","sentiment":"neutral","sentiment_score":0.031473271548748016},{"word":"around","start":182.835,"end":183.335,"confidence":0.40742418,"punctuated_word":"Around","sentiment":"neutral","sentiment_score":0.17969337105751038},{"word":"that","start":184.43501,"end":184.93501,"confidence":0.53984225,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.14460796117782593},{"word":"yeah","start":188.11502,"end":188.61502,"confidence":0.9241655,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01240449585020542},{"word":"and","start":191.79501,"end":192.035,"confidence":0.5087356,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.034115586429834366},{"word":"i","start":192.035,"end":192.195,"confidence":0.9451831,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07543222606182098},{"word":"hadn't","start":192.195,"end":192.595,"confidence":0.63891804,"punctuated_word":"hadn't","sentiment":"neutral","sentiment_score":-0.08811178803443909},{"word":"really","start":192.595,"end":192.835,"confidence":0.9715623,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.10779182612895966},{"word":"changed","start":192.835,"end":193.155,"confidence":0.7396488,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.12039517611265182},{"word":"the","start":193.155,"end":193.315,"confidence":0.58783746,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1059301495552063},{"word":"water","start":193.315,"end":193.55501,"confidence":0.45448878,"punctuated_word":"water.","sentiment":"neutral","sentiment_score":-0.061634741723537445},{"word":"if","start":193.55501,"end":193.71501,"confidence":0.82713944,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.05787961930036545},{"word":"it","start":193.71501,"end":193.875,"confidence":0.83235925,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04832451045513153},{"word":"did","start":193.875,"end":194.115,"confidence":0.7345153,"punctuated_word":"did,","sentiment":"neutral","sentiment_score":-0.02936363220214844},{"word":"it","start":194.115,"end":194.27501,"confidence":0.7373277,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01516057550907135},{"word":"wouldn't","start":194.27501,"end":194.595,"confidence":0.99333894,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.011123488657176496},{"word":"have","start":194.595,"end":194.675,"confidence":0.977566,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.017434947192668915},{"word":"been","start":194.675,"end":194.91501,"confidence":0.98677456,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.0587012842297554},{"word":"much","start":194.91501,"end":195.41501,"confidence":0.9950316,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.017674090340733528},{"word":"well","start":216.255,"end":216.655,"confidence":0.866981,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.044939737766981125},{"word":"fuel","start":216.655,"end":216.815,"confidence":0.71989685,"punctuated_word":"fuel","sentiment":"neutral","sentiment_score":-0.07940192520618439},{"word":"because","start":216.975,"end":217.295,"confidence":0.9537577,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.10646282881498335},{"word":"i'm","start":217.295,"end":217.455,"confidence":0.9908942,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.084614098072052},{"word":"busy","start":217.455,"end":217.935,"confidence":0.9938852,"punctuated_word":"busy","sentiment":"neutral","sentiment_score":-0.08174210786819458},{"word":"in","start":217.935,"end":218.095,"confidence":0.20128202,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08002327382564545},{"word":"weeks","start":218.095,"end":218.41501,"confidence":0.46529508,"punctuated_word":"weeks,","sentiment":"neutral","sentiment_score":-0.07231533527374268},{"word":"fuel","start":218.41501,"end":218.735,"confidence":0.9533132,"punctuated_word":"fuel","sentiment":"neutral","sentiment_score":-0.0959220603108406},{"word":"would","start":218.735,"end":219.05501,"confidence":0.91217214,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08042481541633606},{"word":"be","start":219.05501,"end":219.55501,"confidence":0.9956878,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07368215918540955},{"word":"300","start":220.255,"end":220.995,"confidence":0.4242634,"punctuated_word":"300","sentiment":"neutral","sentiment_score":-0.06242665648460388},{"word":"to","start":222.095,"end":222.335,"confidence":0.2410023,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08017290383577347},{"word":"400","start":222.335,"end":223.075,"confidence":0.87832355,"punctuated_word":"400.","sentiment":"neutral","sentiment_score":-0.05011477321386337},{"word":"saving","start":227.63,"end":228.13,"confidence":0.58900183,"punctuated_word":"Saving","sentiment":"neutral","sentiment_score":-0.12246978282928468},{"word":"me","start":228.19,"end":228.27,"confidence":0.2975336,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":-0.13794277608394623},{"word":"i'm","start":228.27,"end":228.77,"confidence":0.9762784,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.14877697825431824},{"word":"not","start":229.39001,"end":229.55,"confidence":0.995777,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.18824374675750732},{"word":"totally","start":229.55,"end":230.03001,"confidence":0.9778917,"punctuated_word":"totally","sentiment":"neutral","sentiment_score":-0.13993339240550995},{"word":"sure","start":230.03001,"end":230.53001,"confidence":0.99859226,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.17172519862651825},{"word":"well","start":234.59001,"end":234.91,"confidence":0.9302093,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.08175937831401825},{"word":"everything","start":234.91,"end":235.15001,"confidence":0.39974716,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.07887808978557587},{"word":"we","start":235.15001,"end":235.39001,"confidence":0.38637936,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06448161602020264},{"word":"got","start":235.39001,"end":235.89001,"confidence":0.5985013,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.07802095264196396},{"word":"everything","start":236.43001,"end":236.83,"confidence":0.8098847,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.05497622862458229},{"word":"we","start":236.83,"end":236.99,"confidence":0.6269555,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08939851075410843},{"word":"got","start":236.99,"end":237.31001,"confidence":0.6439831,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":-0.09752731025218964},{"word":"and","start":237.31001,"end":237.39001,"confidence":0.4617085,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10561532527208328},{"word":"then","start":237.39001,"end":237.55,"confidence":0.7384427,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.07529736310243607},{"word":"go","start":237.55,"end":237.79001,"confidence":0.5355202,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.11496706306934357},{"word":"straight","start":237.79001,"end":238.11,"confidence":0.9664302,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":-0.1320614367723465},{"word":"off","start":238.11,"end":238.61,"confidence":0.64664465,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.07233037054538727},{"word":"into","start":238.91,"end":239.15001,"confidence":0.71211255,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.08459735661745071},{"word":"more","start":239.15001,"end":239.47,"confidence":0.6425058,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.08660919964313507},{"word":"bank","start":239.47,"end":239.95001,"confidence":0.65780944,"punctuated_word":"bank.","sentiment":"neutral","sentiment_score":-0.07388550788164139},{"word":"and","start":239.95001,"end":240.11,"confidence":0.8517867,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.012977544218301771},{"word":"then","start":240.11,"end":240.61,"confidence":0.998664,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.005597759038209915},{"word":"yeah","start":241.47,"end":241.97,"confidence":0.9944483,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.009200159460306168},{"word":"she","start":248.085,"end":248.405,"confidence":0.98213744,"punctuated_word":"She","sentiment":"neutral","sentiment_score":0.022239500656723976},{"word":"does","start":248.405,"end":248.80501,"confidence":0.78458184,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":-0.0002953130751848221},{"word":"yeah","start":248.80501,"end":249.30501,"confidence":0.99656177,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0008561089634895325},{"word":"yeah","start":249.68501,"end":250.005,"confidence":0.9783937,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.003055775538086891},{"word":"and","start":250.005,"end":250.16501,"confidence":0.9683035,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0057323649525642395},{"word":"then","start":250.16501,"end":250.405,"confidence":0.9975616,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0011941678822040558},{"word":"once","start":250.405,"end":250.645,"confidence":0.98461074,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.015023335814476011},{"word":"i","start":250.645,"end":250.80501,"confidence":0.92580926,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.016881778836250305},{"word":"get","start":250.80501,"end":251.30501,"confidence":0.62177354,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":-0.021305222064256668},{"word":"like","start":251.365,"end":251.52501,"confidence":0.8766987,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.013741087168455124},{"word":"which","start":252.485,"end":252.725,"confidence":0.98490703,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.025925401598215103},{"word":"i'm","start":252.725,"end":252.96501,"confidence":0.93398,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03570260852575302},{"word":"yet","start":252.96501,"end":253.285,"confidence":0.87301016,"punctuated_word":"yet","sentiment":"neutral","sentiment_score":-0.04356259107589722},{"word":"to","start":253.285,"end":253.785,"confidence":0.63806266,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.029613276943564415},{"word":"like","start":254.725,"end":254.96501,"confidence":0.7175534,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.09682506322860718},{"word":"once","start":254.96501,"end":255.46501,"confidence":0.72641623,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.17776864767074585},{"word":"my","start":255.94,"end":256.26,"confidence":0.96237034,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.17504319548606873},{"word":"account","start":256.26,"end":256.66,"confidence":0.98570806,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.21782079339027405},{"word":"builds","start":256.66,"end":256.98,"confidence":0.47649983,"punctuated_word":"builds","sentiment":"neutral","sentiment_score":-0.04909992218017578},{"word":"up","start":256.98,"end":257.13998,"confidence":0.9979079,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.10482914745807648},{"word":"to","start":257.13998,"end":257.22,"confidence":0.8473638,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10220074653625488},{"word":"what","start":257.22,"end":257.38,"confidence":0.8445656,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06894022226333618},{"word":"it","start":257.38,"end":257.62,"confidence":0.94704837,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11560354381799698},{"word":"is","start":257.62,"end":258.12,"confidence":0.98422736,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11134491860866548},{"word":"at","start":258.26,"end":258.42,"confidence":0.31742793,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.15024447441101074},{"word":"the","start":258.42,"end":258.58,"confidence":0.99397695,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.138433575630188},{"word":"moment","start":258.58,"end":258.98,"confidence":0.89266026,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.15621092915534973},{"word":"i","start":258.98,"end":259.06,"confidence":0.93639445,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3033990263938904},{"word":"usually","start":259.06,"end":259.46,"confidence":0.8601017,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":-0.23405151069164276},{"word":"just","start":259.46,"end":259.78,"confidence":0.9956721,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2446087896823883},{"word":"take","start":259.78,"end":260.02,"confidence":0.9459934,"punctuated_word":"take","sentiment":"negative","sentiment_score":-0.396541029214859},{"word":"a","start":260.02,"end":260.1,"confidence":0.763408,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.30186164379119873},{"word":"whack","start":260.1,"end":260.34,"confidence":0.95544326,"punctuated_word":"whack","sentiment":"negative","sentiment_score":-0.5322988033294678},{"word":"off","start":260.34,"end":260.82,"confidence":0.8066287,"punctuated_word":"off","sentiment":"negative","sentiment_score":-0.40888646245002747},{"word":"the","start":260.82,"end":261.06,"confidence":0.7001278,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.47793757915496826},{"word":"health","start":261.06,"end":261.3,"confidence":0.1928128,"punctuated_word":"health","sentiment":"negative","sentiment_score":-0.5288558602333069},{"word":"plan","start":261.3,"end":261.8,"confidence":0.781578,"punctuated_word":"plan.","sentiment":"negative","sentiment_score":-0.4081459641456604},{"word":"yeah","start":272.435,"end":272.935,"confidence":0.9839011,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06585808098316193},{"word":"well","start":277.31497,"end":277.81497,"confidence":0.70717347,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.06815844774246216},{"word":"yeah","start":278.115,"end":278.51498,"confidence":0.86643606,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.09131403267383575},{"word":"i'd","start":278.51498,"end":278.675,"confidence":0.79104674,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.09283946454524994},{"word":"have","start":278.675,"end":278.91498,"confidence":0.9339612,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07981966435909271},{"word":"i've","start":279.07498,"end":279.235,"confidence":0.96515083,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.09982728958129884},{"word":"actually","start":279.235,"end":279.63498,"confidence":0.98997444,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.11029564589262009},{"word":"got","start":279.63498,"end":279.79498,"confidence":0.5741892,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10618945211172104},{"word":"a","start":279.79498,"end":279.875,"confidence":0.38122186,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.139458566904068},{"word":"mate","start":279.875,"end":280.35498,"confidence":0.47013304,"punctuated_word":"mate","sentiment":"neutral","sentiment_score":0.1688540279865265},{"word":"to","start":280.35498,"end":280.51498,"confidence":0.31652552,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14243653416633606},{"word":"chat","start":280.51498,"end":280.91498,"confidence":0.11407302,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.15560652315616608},{"word":"on","start":280.91498,"end":281.235,"confidence":0.8260152,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11265860497951508},{"word":"monday","start":281.235,"end":281.735,"confidence":0.6041039,"punctuated_word":"Monday.","sentiment":"neutral","sentiment_score":0.12497813999652864},{"word":"i'm","start":283.47498,"end":283.63498,"confidence":0.9959271,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09190736711025238},{"word":"pretty","start":283.63498,"end":284.03497,"confidence":0.9990889,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.11936257034540176},{"word":"sure","start":284.03497,"end":284.275,"confidence":0.70071673,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.07923279702663422},{"word":"so","start":284.275,"end":284.775,"confidence":0.84853125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06582633405923843},{"word":"i'd","start":285.15,"end":285.63,"confidence":0.46780092,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.07271541655063629},{"word":"i'd","start":285.63,"end":285.78998,"confidence":0.69759595,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.05571144446730614},{"word":"get","start":285.78998,"end":285.94998,"confidence":0.5493735,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.062374379485845566},{"word":"yet","start":286.03,"end":286.27,"confidence":0.4146224,"punctuated_word":"yet","sentiment":"neutral","sentiment_score":0.03337108716368675},{"word":"to","start":286.27,"end":286.43,"confidence":0.957781,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.043273452669382095},{"word":"speak","start":286.43,"end":286.66998,"confidence":0.9962745,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.049667444080114365},{"word":"to","start":286.66998,"end":286.91,"confidence":0.98765695,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07367885112762451},{"word":"he's","start":286.99,"end":287.15,"confidence":0.8531252,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.06410328298807144},{"word":"got","start":287.15,"end":287.22998,"confidence":0.78989637,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05402933433651924},{"word":"he's","start":287.31,"end":287.55,"confidence":0.9697466,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.06863569468259811},{"word":"been","start":287.55,"end":287.71,"confidence":0.95094484,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.02498004212975502},{"word":"with","start":287.71,"end":287.94998,"confidence":0.9554218,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.036367520689964294},{"word":"us","start":287.94998,"end":288.11,"confidence":0.9180179,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.0825859010219574},{"word":"for","start":288.11,"end":288.35,"confidence":0.9905751,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0420590341091156},{"word":"the","start":288.35,"end":288.50998,"confidence":0.9973572,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0532960444688797},{"word":"last","start":288.50998,"end":289.00998,"confidence":0.9984586,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.02826926112174988},{"word":"two","start":290.50998,"end":290.75,"confidence":0.9764766,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.019822608679533005},{"word":"years","start":290.75,"end":291.07,"confidence":0.8122309,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.03049338422715664},{"word":"and","start":291.07,"end":291.22998,"confidence":0.8372653,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.011736076325178146},{"word":"i'm","start":291.22998,"end":291.38998,"confidence":0.98745203,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.02922455035150051},{"word":"yet","start":291.38998,"end":291.63,"confidence":0.940147,"punctuated_word":"yet","sentiment":"neutral","sentiment_score":0.021864209324121475},{"word":"to","start":291.63,"end":291.79,"confidence":0.6616255,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04783927649259567},{"word":"meet","start":291.79,"end":292.03,"confidence":0.52638084,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":0.06465568393468857},{"word":"him","start":292.03,"end":292.53,"confidence":0.92027336,"punctuated_word":"him.","sentiment":"neutral","sentiment_score":0.0677594467997551},{"word":"so","start":293.63,"end":293.87,"confidence":0.99050975,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06937616318464279},{"word":"yeah","start":294.11,"end":294.61,"confidence":0.9935084,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08280458301305771},{"word":"possibly","start":295.07,"end":295.57,"confidence":0.6492116,"punctuated_word":"Possibly,","sentiment":"neutral","sentiment_score":0.062255989760160446},{"word":"yeah","start":295.87,"end":296.11,"confidence":0.5661694,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.10948914289474489},{"word":"yeah","start":296.11,"end":296.61,"confidence":0.66005784,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13458165526390076},{"word":"yeah","start":320.63,"end":321.03,"confidence":0.95628476,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00024436041712760925},{"word":"for","start":321.03,"end":321.27002,"confidence":0.8203392,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.0028803572058677673},{"word":"sure","start":321.27002,"end":321.77002,"confidence":0.9989557,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.017879173159599304},{"word":"yeah","start":335.775,"end":336.275,"confidence":0.7445447,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2671096622943878},{"word":"yeah","start":336.735,"end":337.235,"confidence":0.79233384,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4101609885692597},{"word":"on","start":347.72,"end":347.88,"confidence":0.5343273,"punctuated_word":"On","sentiment":"neutral","sentiment_score":-0.02004687860608101},{"word":"the","start":347.88,"end":348.12,"confidence":0.97226185,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.042466435581445694},{"word":"old","start":348.12,"end":348.44,"confidence":0.93747085,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.08634965121746063},{"word":"house","start":348.44,"end":348.94,"confidence":0.9020242,"punctuated_word":"house?","sentiment":"neutral","sentiment_score":-0.029116280376911163},{"word":"that's","start":352.04,"end":352.36,"confidence":0.9469388,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.02789086103439331},{"word":"right","start":352.36,"end":352.86,"confidence":0.9867767,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.07937493920326233},{"word":"yeah","start":354.04,"end":354.36,"confidence":0.95238125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07584095746278763},{"word":"i","start":354.36,"end":354.52,"confidence":0.9694029,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03911779448390007},{"word":"think","start":354.52,"end":354.68,"confidence":0.81928366,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.02945796400308609},{"word":"it'd","start":354.68,"end":354.84,"confidence":0.89688873,"punctuated_word":"it'd","sentiment":"neutral","sentiment_score":0.04005701467394829},{"word":"be","start":354.84,"end":355.0,"confidence":0.9908618,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05885737389326096},{"word":"still","start":355.0,"end":355.32,"confidence":0.90618825,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.04739204794168472},{"word":"around","start":355.32,"end":355.63998,"confidence":0.9797347,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.045808471739292145},{"word":"at","start":355.63998,"end":355.88,"confidence":0.75320107,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.052289530634880066},{"word":"4","start":355.88,"end":356.28,"confidence":0.7209662,"punctuated_word":"4,","sentiment":"neutral","sentiment_score":0.05364498123526573},{"word":"maybe","start":356.28,"end":356.68,"confidence":0.99323237,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.018663782626390457},{"word":"$4.04","start":356.68,"end":357.8,"confidence":0.82668597,"punctuated_word":"$4.04","sentiment":"neutral","sentiment_score":0.05704113095998764},{"word":"50","start":357.8,"end":358.19998,"confidence":0.918806,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.051143016666173935},{"word":"probably","start":358.19998,"end":358.68,"confidence":0.2516679,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.03104332461953163},{"word":"maybe","start":358.68,"end":359.0,"confidence":0.8319439,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.00963876023888588},{"word":"now","start":359.0,"end":359.5,"confidence":0.86328477,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.027076587080955505},{"word":"no","start":364.385,"end":364.705,"confidence":0.76969486,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.3425719141960144},{"word":"no","start":364.705,"end":365.025,"confidence":0.9808005,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.342936635017395},{"word":"yeah","start":365.025,"end":365.26498,"confidence":0.9170808,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1838420927524567},{"word":"no","start":365.26498,"end":365.76498,"confidence":0.94507277,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.399758517742157},{"word":"it's","start":366.305,"end":366.625,"confidence":0.9963887,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.2965344488620758},{"word":"been","start":366.625,"end":367.125,"confidence":0.98283225,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.31494250893592834},{"word":"been","start":368.065,"end":368.385,"confidence":0.40789318,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.34755939245224},{"word":"ran","start":368.385,"end":368.54498,"confidence":0.11351383,"punctuated_word":"ran","sentiment":"negative","sentiment_score":-0.38059452176094055},{"word":"to","start":368.54498,"end":368.705,"confidence":0.46816978,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2703442871570587},{"word":"the","start":368.705,"end":368.945,"confidence":0.94094855,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20585598051548004},{"word":"right","start":368.945,"end":369.445,"confidence":0.7833036,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.17072762548923492},{"word":"yep","start":377.39,"end":377.87003,"confidence":0.990026,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1491820216178894},{"word":"yep","start":377.87003,"end":378.37003,"confidence":0.9800761,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12489072978496552},{"word":"well","start":383.71002,"end":384.21002,"confidence":0.92762375,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.04361707717180252},{"word":"$700,007.30","start":384.43002,"end":387.47,"confidence":0.94920766,"punctuated_word":"$700,007.30","sentiment":"neutral","sentiment_score":0.05558586865663528},{"word":"or","start":387.47,"end":387.63,"confidence":0.9965036,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07179886102676392},{"word":"40","start":387.63,"end":388.13,"confidence":0.99862826,"punctuated_word":"40","sentiment":"neutral","sentiment_score":0.07178746908903122},{"word":"build","start":388.51,"end":388.83002,"confidence":0.2974638,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.1191849485039711},{"word":"on","start":388.83002,"end":388.99002,"confidence":0.46644223,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09423581510782242},{"word":"the","start":388.99002,"end":389.49002,"confidence":0.85789186,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06257514655590057},{"word":"price","start":389.85498,"end":390.175,"confidence":0.9013425,"punctuated_word":"price","sentiment":"neutral","sentiment_score":0.10201950371265411},{"word":"was","start":390.175,"end":390.455,"confidence":0.97803587,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05646725744009018},{"word":"$2.50","start":390.455,"end":391.13498,"confidence":0.8273031,"punctuated_word":"$2.50.","sentiment":"neutral","sentiment_score":0.06490688771009445},{"word":"so","start":391.13498,"end":391.63498,"confidence":0.78753734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08889341354370117},{"word":"yeah","start":393.695,"end":394.01498,"confidence":0.9626447,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.12381253391504288},{"word":"i","start":394.01498,"end":394.175,"confidence":0.6287765,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0910087451338768},{"word":"suppose","start":394.175,"end":394.415,"confidence":0.88576734,"punctuated_word":"suppose","sentiment":"neutral","sentiment_score":0.08427904546260834},{"word":"it'd","start":394.415,"end":394.655,"confidence":0.8398992,"punctuated_word":"it'd","sentiment":"neutral","sentiment_score":0.13439778983592987},{"word":"be","start":394.655,"end":395.155,"confidence":0.9951584,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1255560964345932},{"word":"close","start":395.695,"end":396.01498,"confidence":0.8295088,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.08219733089208603},{"word":"to","start":396.01498,"end":396.255,"confidence":0.8813826,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10411399602890016},{"word":"a","start":396.255,"end":396.505,"confidence":0.43222842,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11798374354839324},{"word":"million","start":396.505,"end":397.005,"confidence":0.803431,"punctuated_word":"million.","sentiment":"neutral","sentiment_score":0.12500876188278198},{"word":"700","start":407.22,"end":408.1,"confidence":0.9282576,"punctuated_word":"700,","sentiment":"neutral","sentiment_score":0.003132479265332222},{"word":"i","start":408.1,"end":408.26,"confidence":0.9968616,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.028131989762187004},{"word":"think","start":408.26,"end":408.76,"confidence":0.87382174,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.03442283719778061},{"word":"yeah","start":412.26,"end":412.76,"confidence":0.9516783,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06416526436805725},{"word":"mate","start":414.66,"end":414.98,"confidence":0.57208693,"punctuated_word":"Mate,","sentiment":"neutral","sentiment_score":0.03870079293847084},{"word":"but","start":414.98,"end":415.22,"confidence":0.4678459,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.015421915799379349},{"word":"but","start":415.22,"end":415.46,"confidence":0.29181936,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.007293581962585449},{"word":"probably","start":415.46,"end":415.94,"confidence":0.79293406,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.011688802391290665},{"word":"the","start":415.94,"end":416.1,"confidence":0.9460165,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01846050471067429},{"word":"late","start":416.1,"end":416.42,"confidence":0.9631847,"punctuated_word":"late","sentiment":"neutral","sentiment_score":-0.025252535939216617},{"word":"sevens","start":416.42,"end":416.9,"confidence":0.7217153,"punctuated_word":"sevens.","sentiment":"neutral","sentiment_score":0.004925806075334549},{"word":"okay","start":416.9,"end":417.4,"confidence":0.63575625,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07723076641559601},{"word":"i","start":429.66498,"end":429.82498,"confidence":0.60064584,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17382028698921204},{"word":"didn't","start":429.82498,"end":429.945,"confidence":0.9979136,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.15946292877197266},{"word":"we","start":430.065,"end":430.22498,"confidence":0.94073105,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1886577010154724},{"word":"didn't","start":430.22498,"end":430.54498,"confidence":0.99349725,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.16543202102184296},{"word":"speak","start":430.54498,"end":430.785,"confidence":0.99422413,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":-0.235938161611557},{"word":"to","start":430.785,"end":430.94498,"confidence":0.93914074,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18078768253326416},{"word":"anyone","start":430.94498,"end":431.345,"confidence":0.90107054,"punctuated_word":"anyone.","sentiment":"neutral","sentiment_score":-0.16588899493217468},{"word":"we","start":431.345,"end":431.505,"confidence":0.7334902,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.18541550636291504},{"word":"just","start":431.505,"end":431.745,"confidence":0.90529037,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.16007408499717712},{"word":"did","start":431.745,"end":431.905,"confidence":0.6216526,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.16753490269184113},{"word":"not","start":431.905,"end":432.405,"confidence":0.9876688,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.15127719938755035},{"word":"going","start":433.05,"end":433.29,"confidence":0.68647766,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.19659510254859924},{"word":"with","start":433.29,"end":433.53,"confidence":0.9575719,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2076440304517746},{"word":"the","start":433.53,"end":433.77,"confidence":0.9721595,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20021000504493713},{"word":"bank","start":433.77,"end":434.27,"confidence":0.92315453,"punctuated_word":"bank.","sentiment":"neutral","sentiment_score":-0.2511350214481354},{"word":"brianna","start":434.97,"end":435.47,"confidence":0.8902676,"punctuated_word":"Brianna","sentiment":"neutral","sentiment_score":-0.04359850287437439},{"word":"was","start":435.53,"end":435.69,"confidence":0.9529653,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.023636028170585632},{"word":"with","start":435.69,"end":436.19,"confidence":0.64050037,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":-0.023866264149546623},{"word":"and","start":436.88998,"end":437.13,"confidence":0.98647785,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.008954696357250214},{"word":"i","start":437.13,"end":437.45,"confidence":0.600283,"punctuated_word":"I,","sentiment":"neutral","sentiment_score":-0.005233118310570717},{"word":"yeah","start":437.45,"end":437.95,"confidence":0.9045346,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.06254525482654572},{"word":"met","start":438.01,"end":438.33,"confidence":0.97859555,"punctuated_word":"met","sentiment":"neutral","sentiment_score":0.05318323522806168},{"word":"met","start":438.33,"end":438.57,"confidence":0.9974202,"punctuated_word":"met","sentiment":"neutral","sentiment_score":0.07212768495082855},{"word":"them","start":438.57,"end":438.81,"confidence":0.9832727,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.0607636496424675},{"word":"and","start":438.81,"end":439.31,"confidence":0.7682416,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05242248624563217},{"word":"then","start":439.77,"end":439.85,"confidence":0.98831683,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.024820838123559952},{"word":"had","start":439.85,"end":440.16998,"confidence":0.95786315,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.04234188422560692},{"word":"a","start":440.16998,"end":440.25,"confidence":0.9950777,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.016955165192484856},{"word":"meeting","start":440.25,"end":440.57,"confidence":0.997943,"punctuated_word":"meeting","sentiment":"neutral","sentiment_score":0.019279636442661285},{"word":"and","start":440.57,"end":440.65,"confidence":0.422196,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03549939766526222},{"word":"then","start":440.65,"end":440.97,"confidence":0.82236814,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.015828583389520645},{"word":"yeah","start":440.97,"end":441.29,"confidence":0.95854366,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.06601360440254211},{"word":"they","start":441.29,"end":441.53,"confidence":0.90653354,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.0823921263217926},{"word":"approved","start":441.53,"end":442.03,"confidence":0.5473648,"punctuated_word":"approved","sentiment":"neutral","sentiment_score":0.05491137504577637},{"word":"it","start":442.09,"end":442.16998,"confidence":0.56460077,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.02693052962422371},{"word":"i","start":442.16998,"end":442.33,"confidence":0.9127032,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0016849935054779053},{"word":"think","start":442.33,"end":442.57,"confidence":0.8219713,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.012804023921489716},{"word":"a","start":442.57,"end":442.65,"confidence":0.97123665,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015354927629232408},{"word":"couple","start":442.65,"end":442.97,"confidence":0.9997497,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.015937253832817078},{"word":"of","start":442.97,"end":443.13,"confidence":0.7920424,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007418327033519745},{"word":"weeks","start":443.13,"end":443.45,"confidence":0.9983576,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.010595135390758514},{"word":"later","start":443.45,"end":443.95,"confidence":0.9973186,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":-0.0003280043601989746},{"word":"hello","start":465.27,"end":465.77,"confidence":0.7218624,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.027094176039099693},{"word":"okay","start":477.435,"end":477.935,"confidence":0.81015396,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0743320882320404},{"word":"yep","start":485.755,"end":486.255,"confidence":0.9340539,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08033911138772964},{"word":"yeah","start":487.035,"end":487.195,"confidence":0.81101006,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04033711552619934},{"word":"okay","start":487.195,"end":487.435,"confidence":0.8180322,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.012566417455673218},{"word":"it","start":487.435,"end":487.51498,"confidence":0.30434054,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.03489760309457779},{"word":"might","start":487.51498,"end":487.755,"confidence":0.47722387,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.03708892315626144},{"word":"be","start":487.755,"end":487.91498,"confidence":0.9831959,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.02938254177570343},{"word":"something","start":487.91498,"end":488.235,"confidence":0.99439704,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.08419942110776901},{"word":"we","start":488.235,"end":488.395,"confidence":0.5592672,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0817573219537735},{"word":"need","start":488.395,"end":488.63498,"confidence":0.94970095,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.10655903071165083},{"word":"to","start":488.63498,"end":488.715,"confidence":0.99167866,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08715784549713135},{"word":"look","start":488.715,"end":488.955,"confidence":0.98863655,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.13601848483085632},{"word":"into","start":488.955,"end":489.455,"confidence":0.7130723,"punctuated_word":"into.","sentiment":"neutral","sentiment_score":-0.05543731898069382},{"word":"yeah","start":502.98,"end":503.38,"confidence":0.8703791,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.014728739857673643},{"word":"we","start":503.38,"end":503.7,"confidence":0.4847228,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.06264235824346542},{"word":"you're","start":504.02,"end":504.26,"confidence":0.8287411,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0628734827041626},{"word":"right","start":504.26,"end":504.76,"confidence":0.94493467,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.15711849927902222},{"word":"yeah","start":506.435,"end":506.755,"confidence":0.85814404,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17396089434623718},{"word":"for","start":506.755,"end":506.995,"confidence":0.94129425,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.1603647917509079},{"word":"sure","start":506.995,"end":507.495,"confidence":0.9991268,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.21463491022586825},{"word":"yep","start":513.235,"end":513.735,"confidence":0.96609074,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11276401579380035},{"word":"okay","start":515.555,"end":516.055,"confidence":0.8075143,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09668375551700592},{"word":"yeah","start":523.1,"end":523.6,"confidence":0.9557049,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016125904396176338},{"word":"yeah","start":524.38,"end":524.62,"confidence":0.6295225,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.024589035660028458},{"word":"it's","start":524.62,"end":524.7,"confidence":0.50270504,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.22707360982894895},{"word":"taken","start":524.7,"end":524.94,"confidence":0.10984047,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":-0.3110070824623108},{"word":"the","start":525.82,"end":525.98,"confidence":0.5048723,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.36371269822120667},{"word":"the","start":525.98,"end":526.14,"confidence":0.50084394,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4103371500968933},{"word":"escalator","start":526.14,"end":526.62,"confidence":0.57894987,"punctuated_word":"escalator","sentiment":"negative","sentiment_score":-0.4015306830406189},{"word":"model","start":526.62,"end":526.94,"confidence":0.2754259,"punctuated_word":"model","sentiment":"negative","sentiment_score":-0.5078041553497314},{"word":"is","start":526.94,"end":527.1,"confidence":0.28579205,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3847895562648773},{"word":"deteriorated","start":527.1,"end":527.5,"confidence":0.81945735,"punctuated_word":"deteriorated","sentiment":"negative","sentiment_score":-0.47939449548721313},{"word":"a","start":527.5,"end":527.89996,"confidence":0.97985554,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4782741069793701},{"word":"bit","start":527.89996,"end":528.22,"confidence":0.9953597,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.45351308584213257},{"word":"now","start":528.22,"end":528.54,"confidence":0.700462,"punctuated_word":"now.","sentiment":"negative","sentiment_score":-0.4584360122680664},{"word":"i've","start":528.54,"end":528.7,"confidence":0.5125244,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.2507206201553345},{"word":"put","start":528.7,"end":528.86,"confidence":0.6881215,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.24404826760292053},{"word":"a","start":528.86,"end":529.01996,"confidence":0.9813239,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2514536380767822},{"word":"few","start":529.01996,"end":529.26,"confidence":0.995069,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.2104872614145279},{"word":"noise","start":529.26,"end":529.66,"confidence":0.3904817,"punctuated_word":"noise","sentiment":"neutral","sentiment_score":-0.21907484531402588},{"word":"on","start":529.66,"end":529.89996,"confidence":0.9891789,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.21681958436965945},{"word":"it","start":529.89996,"end":530.06,"confidence":0.86885345,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.2821798324584961},{"word":"but","start":530.06,"end":530.56,"confidence":0.99046785,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06875652074813843},{"word":"no","start":536.535,"end":536.77496,"confidence":0.97795033,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08909487724304199},{"word":"no","start":536.77496,"end":537.175,"confidence":0.9827408,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.025243889540433884},{"word":"it's","start":537.175,"end":537.675,"confidence":0.92859757,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.13023367524147034},{"word":"paid","start":540.615,"end":541.115,"confidence":0.97378683,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.0963018387556076},{"word":"off","start":542.695,"end":543.195,"confidence":0.9966961,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.005035391077399254},{"word":"$1.40","start":548.695,"end":549.51495,"confidence":0.980453,"punctuated_word":"$1.40.","sentiment":"neutral","sentiment_score":0.001225046580657363},{"word":"oh","start":555.23004,"end":555.73004,"confidence":0.64761287,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.045534610748291016},{"word":"that's","start":556.43,"end":556.93,"confidence":0.9135697,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.043637778609991074},{"word":"the","start":557.07,"end":557.23004,"confidence":0.8203079,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03383614122867584},{"word":"sailing","start":557.23004,"end":557.73004,"confidence":0.60329825,"punctuated_word":"sailing.","sentiment":"neutral","sentiment_score":0.06967584788799286},{"word":"yeah","start":561.71,"end":562.21,"confidence":0.9957656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.041476115584373474},{"word":"no","start":566.685,"end":567.185,"confidence":0.96927726,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14000923931598663},{"word":"no","start":568.525,"end":568.84503,"confidence":0.98833877,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.16090449690818787},{"word":"it's","start":568.84503,"end":569.085,"confidence":0.9264953,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.14974159002304077},{"word":"just","start":569.085,"end":569.325,"confidence":0.99365497,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2192692309617996},{"word":"yeah","start":569.48505,"end":569.98505,"confidence":0.982857,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.1347654014825821},{"word":"that's","start":570.04504,"end":570.36505,"confidence":0.9713287,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.12856262922286987},{"word":"just","start":570.36505,"end":570.525,"confidence":0.9836765,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.16091173887252808},{"word":"my","start":570.525,"end":570.685,"confidence":0.8506001,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.14059944450855255},{"word":"everyday","start":570.685,"end":571.185,"confidence":0.94795024,"punctuated_word":"everyday","sentiment":"neutral","sentiment_score":-0.11722730100154875},{"word":"account","start":571.325,"end":571.825,"confidence":0.96443975,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.14640413224697113},{"word":"and","start":574.36505,"end":574.60504,"confidence":0.5300873,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.048727791756391525},{"word":"i","start":574.60504,"end":574.765,"confidence":0.8503778,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.105708509683609},{"word":"i","start":574.765,"end":574.84503,"confidence":0.8915439,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18096059560775757},{"word":"don't","start":574.84503,"end":575.34503,"confidence":0.8510289,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.18390968441963196},{"word":"yeah","start":576.84503,"end":577.16504,"confidence":0.9866377,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.2237468659877777},{"word":"i","start":577.16504,"end":577.245,"confidence":0.98868775,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3816109895706177},{"word":"don't","start":577.245,"end":577.48505,"confidence":0.9961267,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.35645195841789246},{"word":"gain","start":577.48505,"end":577.80505,"confidence":0.94745904,"punctuated_word":"gain","sentiment":"negative","sentiment_score":-0.38131219148635864},{"word":"any","start":577.80505,"end":578.125,"confidence":0.9947166,"punctuated_word":"any","sentiment":"negative","sentiment_score":-0.3858488202095032},{"word":"interest","start":578.125,"end":578.525,"confidence":0.97998625,"punctuated_word":"interest","sentiment":"negative","sentiment_score":-0.3469974398612976},{"word":"on","start":578.525,"end":578.765,"confidence":0.942161,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.41571223735809326},{"word":"it","start":578.765,"end":579.15,"confidence":0.94909954,"punctuated_word":"it.","sentiment":"negative","sentiment_score":-0.3587028384208679},{"word":"i","start":579.31,"end":579.47003,"confidence":0.99113643,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.26939332485198975},{"word":"think","start":579.47003,"end":579.55005,"confidence":0.99750453,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.2542555034160614},{"word":"because","start":579.55005,"end":579.95,"confidence":0.53368837,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.20314577221870425},{"word":"it's","start":579.95,"end":580.19,"confidence":0.83633333,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2677653431892395},{"word":"always","start":580.19,"end":580.51,"confidence":0.8763699,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.12762033939361572},{"word":"up","start":580.51,"end":580.75,"confidence":0.9766913,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.12954697012901306},{"word":"and","start":580.75,"end":580.83,"confidence":0.9978079,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.27477163076400757},{"word":"down","start":580.83,"end":581.33,"confidence":0.9884211,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.1553131341934204},{"word":"and","start":582.99005,"end":583.15,"confidence":0.5407831,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13041198253631592},{"word":"that's","start":583.15,"end":583.39,"confidence":0.69447166,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.08623938262462616},{"word":"good","start":583.39,"end":583.71,"confidence":0.16663313,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.01929500699043274},{"word":"everything","start":583.71,"end":584.19,"confidence":0.36096728,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":-0.05130574852228165},{"word":"yeah","start":584.19,"end":584.69,"confidence":0.6723242,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04767385497689247},{"word":"sorry","start":585.31,"end":585.81,"confidence":0.9800917,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.06828165054321289},{"word":"yeah","start":602.34503,"end":602.84503,"confidence":0.7521148,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09899713099002838},{"word":"yes","start":618.08,"end":618.58,"confidence":0.72573316,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12880918383598328},{"word":"yep","start":621.925,"end":622.425,"confidence":0.99363947,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0886993259191513},{"word":"yeah","start":634.28,"end":634.68,"confidence":0.99493647,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0441831536591053},{"word":"i","start":634.68,"end":634.76,"confidence":0.9875097,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03353514149785042},{"word":"think","start":634.76,"end":634.92,"confidence":0.9747672,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.047484662383794785},{"word":"it's","start":634.92,"end":635.16,"confidence":0.7747022,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04939044639468193},{"word":"yeah","start":635.48,"end":635.8,"confidence":0.94055796,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06773799657821655},{"word":"around","start":635.8,"end":636.2,"confidence":0.9596128,"punctuated_word":"Around","sentiment":"neutral","sentiment_score":0.07283663749694824},{"word":"that","start":636.2,"end":636.6,"confidence":0.6590261,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08171197772026062},{"word":"four","start":636.6,"end":637.1,"confidence":0.92618585,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.03534531220793724},{"word":"$5.04","start":637.96,"end":638.76,"confidence":0.6230722,"punctuated_word":"$5.04,","sentiment":"neutral","sentiment_score":0.05646871030330658},{"word":"possibly","start":638.76,"end":639.26,"confidence":0.9858103,"punctuated_word":"possibly.","sentiment":"neutral","sentiment_score":0.03051796555519104},{"word":"i","start":640.44,"end":640.6,"confidence":0.80826944,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05689048022031784},{"word":"think","start":640.6,"end":641.0,"confidence":0.6929853,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.036312706768512726},{"word":"i","start":641.0,"end":641.24,"confidence":0.78590053,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04640664905309677},{"word":"thought","start":641.24,"end":641.72,"confidence":0.6882862,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.0376843586564064},{"word":"she","start":641.72,"end":641.96,"confidence":0.9561167,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.048291802406311035},{"word":"mentioned","start":641.96,"end":642.36,"confidence":0.9954397,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.07041804492473602},{"word":"it","start":642.36,"end":642.52,"confidence":0.84970963,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0394381582736969},{"word":"the","start":642.52,"end":642.68,"confidence":0.9965586,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.032421380281448364},{"word":"other","start":642.68,"end":642.92,"confidence":0.9984225,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.08482704311609268},{"word":"day","start":642.92,"end":643.42,"confidence":0.9960724,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":0.058380790054798126},{"word":"yep","start":651.685,"end":652.185,"confidence":0.78950816,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12635847926139832},{"word":"okay","start":664.81,"end":665.31,"confidence":0.75398684,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06243303418159485},{"word":"yeah","start":665.61,"end":665.93,"confidence":0.7077361,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.003533078357577324},{"word":"yeah","start":665.93,"end":666.17004,"confidence":0.89919806,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.019925789907574657},{"word":"it's","start":666.17004,"end":666.41003,"confidence":0.616186,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.09839989244937895},{"word":"odd","start":666.41003,"end":666.91003,"confidence":0.5917021,"punctuated_word":"odd.","sentiment":"neutral","sentiment_score":-0.15352723002433777},{"word":"yep","start":673.16504,"end":673.66504,"confidence":0.94863397,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10048379749059676},{"word":"yeah","start":684.765,"end":685.005,"confidence":0.9842365,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08061333000659943},{"word":"well","start":685.005,"end":685.245,"confidence":0.86482596,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.05297572910785675},{"word":"that's","start":685.245,"end":685.485,"confidence":0.75481474,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.05233180522918701},{"word":"for","start":685.485,"end":685.72504,"confidence":0.6319052,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03262602537870407},{"word":"what","start":685.72504,"end":686.22504,"confidence":0.57738876,"punctuated_word":"what?","sentiment":"neutral","sentiment_score":0.031243473291397095},{"word":"no","start":696.60004,"end":697.10004,"confidence":0.9625088,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05047164857387543},{"word":"no","start":702.795,"end":703.295,"confidence":0.98602605,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.046255700290203094},{"word":"no","start":704.63495,"end":705.13495,"confidence":0.8158256,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.040720075368881226},{"word":"no","start":710.07495,"end":710.475,"confidence":0.9579667,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.16116806864738464},{"word":"we","start":710.475,"end":710.71497,"confidence":0.9486801,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.16500243544578552},{"word":"don't","start":710.71497,"end":711.21497,"confidence":0.9496613,"punctuated_word":"don't.","sentiment":"neutral","sentiment_score":-0.0985729843378067},{"word":"no","start":723.62,"end":723.7,"confidence":0.84216464,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15753090381622314},{"word":"no","start":723.7,"end":724.02,"confidence":0.8471489,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1934162080287933},{"word":"i","start":724.02,"end":724.18,"confidence":0.62904936,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18004025518894196},{"word":"haven't","start":724.18,"end":724.68,"confidence":0.9733979,"punctuated_word":"haven't.","sentiment":"neutral","sentiment_score":-0.17559151351451874},{"word":"i","start":725.22003,"end":725.38,"confidence":0.829504,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11951804161071776},{"word":"was","start":725.38,"end":725.54,"confidence":0.565658,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.100444957613945},{"word":"actually","start":725.54,"end":725.94,"confidence":0.93370384,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.08230625838041306},{"word":"only","start":725.94,"end":726.18,"confidence":0.5491,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.09397906810045242},{"word":"woke","start":726.18,"end":726.42,"confidence":0.963577,"punctuated_word":"woke","sentiment":"neutral","sentiment_score":-0.08555354177951813},{"word":"up","start":726.42,"end":726.58,"confidence":0.9961571,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.09503454715013504},{"word":"this","start":726.58,"end":726.82,"confidence":0.9645395,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.08480328321456909},{"word":"morning","start":726.82,"end":727.22003,"confidence":0.98120433,"punctuated_word":"morning","sentiment":"neutral","sentiment_score":-0.07413376867771149},{"word":"and","start":727.22003,"end":727.38,"confidence":0.9514732,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06352618336677551},{"word":"thought","start":727.38,"end":727.62,"confidence":0.98786294,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.07926598191261292},{"word":"about","start":727.62,"end":727.86,"confidence":0.99478674,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.08856136351823807},{"word":"that","start":727.86,"end":728.36,"confidence":0.96797276,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08341148495674133},{"word":"or","start":729.46497,"end":729.625,"confidence":0.7872716,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03749330714344978},{"word":"yesterday","start":729.625,"end":730.125,"confidence":0.98056865,"punctuated_word":"yesterday","sentiment":"neutral","sentiment_score":-0.03521805629134178},{"word":"morning","start":730.265,"end":730.765,"confidence":0.7821125,"punctuated_word":"morning.","sentiment":"neutral","sentiment_score":-0.026336604729294777},{"word":"yep","start":730.825,"end":731.325,"confidence":0.69330376,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.022505857050418857},{"word":"yeah","start":751.56,"end":752.06,"confidence":0.9436409,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.025805490091443065},{"word":"yep","start":756.175,"end":756.675,"confidence":0.91924226,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05716584622859955},{"word":"yeah","start":770.575,"end":771.075,"confidence":0.99151635,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.004681229591369629},{"word":"i","start":772.13,"end":772.29004,"confidence":0.9486911,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01409311220049858},{"word":"have","start":772.29004,"end":772.61005,"confidence":0.743169,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.015167057514190674},{"word":"looked","start":772.61005,"end":772.85004,"confidence":0.9034565,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.024751007556915283},{"word":"at","start":772.85004,"end":773.01,"confidence":0.922097,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.047709498554468155},{"word":"them","start":773.01,"end":773.17004,"confidence":0.95977837,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.027726534754037857},{"word":"at","start":773.17004,"end":773.33,"confidence":0.23687553,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.034029390662908554},{"word":"the","start":773.33,"end":773.57,"confidence":0.23203476,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.026501715183258057},{"word":"end","start":773.57,"end":774.07,"confidence":0.6409486,"punctuated_word":"end.","sentiment":"neutral","sentiment_score":-0.018519414588809013},{"word":"sort","start":774.93,"end":775.25,"confidence":0.62146807,"punctuated_word":"Sort","sentiment":"neutral","sentiment_score":-0.057162247598171234},{"word":"of","start":775.25,"end":775.57,"confidence":0.96432775,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02955416962504387},{"word":"didn't","start":775.57,"end":775.89,"confidence":0.7403798,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.06083936616778374},{"word":"elaborate","start":775.89,"end":776.39,"confidence":0.89895266,"punctuated_word":"elaborate","sentiment":"neutral","sentiment_score":-0.06099830940365791},{"word":"on","start":776.53,"end":776.69,"confidence":0.9905376,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04961432516574859},{"word":"a","start":776.69,"end":776.77,"confidence":0.9617438,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0684133768081665},{"word":"lot","start":776.77,"end":777.01,"confidence":0.9994979,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.07445527613162994},{"word":"of","start":777.01,"end":777.09,"confidence":0.9954359,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.055236123502254486},{"word":"things","start":777.09,"end":777.41003,"confidence":0.9959914,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.046807508915662766},{"word":"that","start":777.41003,"end":777.73004,"confidence":0.6833767,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04332499951124191},{"word":"it","start":777.73004,"end":777.97003,"confidence":0.5770308,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.037564605474472046},{"word":"was","start":777.97003,"end":778.29004,"confidence":0.5008658,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05040866509079933},{"word":"sent","start":778.29004,"end":778.79004,"confidence":0.67039424,"punctuated_word":"sent.","sentiment":"neutral","sentiment_score":-0.06619761884212494},{"word":"yep","start":794.735,"end":795.235,"confidence":0.8832274,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08217811584472656},{"word":"well","start":800.52,"end":800.92004,"confidence":0.93020666,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.0780719444155693},{"word":"that's","start":800.92004,"end":801.24,"confidence":0.962178,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.06551165878772736},{"word":"all","start":801.24,"end":801.74,"confidence":0.95389676,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.03197728842496872},{"word":"of","start":805.48004,"end":805.73004,"confidence":0.49504805,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04269430786371231},{"word":"it","start":805.73004,"end":806.23004,"confidence":0.9848641,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.034382615238428116},{"word":"yep","start":820.015,"end":820.515,"confidence":0.8684521,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1674841344356537},{"word":"yes","start":827.59,"end":828.09,"confidence":0.84824646,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09744976460933684},{"word":"yep","start":829.59,"end":830.09,"confidence":0.6531368,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17082786560058594},{"word":"yep","start":846.205,"end":846.705,"confidence":0.9921049,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.022381998598575592},{"word":"yep","start":862.2,"end":862.51996,"confidence":0.6503775,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03222966939210892},{"word":"oh","start":862.51996,"end":862.92,"confidence":0.8170052,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.030909759923815727},{"word":"okay","start":862.92,"end":863.16,"confidence":0.7043064,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.04954688251018524},{"word":"yes","start":863.16,"end":863.66,"confidence":0.63780624,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.053394418209791183},{"word":"yeah","start":872.055,"end":872.375,"confidence":0.8810067,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013337844982743263},{"word":"yeah","start":872.375,"end":872.45496,"confidence":0.8534143,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03339838981628418},{"word":"yeah","start":872.45496,"end":872.615,"confidence":0.8189001,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03929569199681282},{"word":"that's","start":872.615,"end":872.855,"confidence":0.6589989,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.045052312314510345},{"word":"alright","start":872.855,"end":873.355,"confidence":0.8320321,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.07644307613372803},{"word":"yep","start":881.82996,"end":882.32996,"confidence":0.77408755,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0017310406547039747},{"word":"yeah","start":886.23,"end":886.73,"confidence":0.8450812,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16166165471076965},{"word":"it's","start":886.79,"end":887.02997,"confidence":0.60781443,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.233828604221344},{"word":"cool","start":887.02997,"end":887.52997,"confidence":0.68668413,"punctuated_word":"cool.","sentiment":"neutral","sentiment_score":0.25025829672813416},{"word":"never","start":888.55,"end":888.95,"confidence":0.73869383,"punctuated_word":"Never","sentiment":"neutral","sentiment_score":0.11415813863277437},{"word":"actually","start":888.95,"end":889.35,"confidence":0.9852282,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.041597507894039154},{"word":"knew","start":889.35,"end":889.58997,"confidence":0.98006755,"punctuated_word":"knew","sentiment":"neutral","sentiment_score":0.1088181808590889},{"word":"that","start":889.58997,"end":890.08997,"confidence":0.97932124,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.13311098515987396},{"word":"yeah","start":901.565,"end":902.065,"confidence":0.8515004,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06896218657493591},{"word":"yep","start":902.525,"end":903.025,"confidence":0.9918563,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08705472946166992},{"word":"yeah","start":905.9,"end":906.06006,"confidence":0.84271073,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.013215628452599049},{"word":"it","start":906.06006,"end":906.22003,"confidence":0.25005448,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.0366271398961544},{"word":"would","start":906.22003,"end":906.38,"confidence":0.27054274,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.03113454580307007},{"word":"not","start":906.38,"end":906.88,"confidence":0.42879966,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.02258947119116783},{"word":"extend","start":908.46,"end":908.96,"confidence":0.8897666,"punctuated_word":"extend.","sentiment":"neutral","sentiment_score":-0.021813541650772095},{"word":"no","start":918.7,"end":919.2,"confidence":0.7014575,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05844953656196594},{"word":"no","start":925.425,"end":925.925,"confidence":0.9567133,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0021039238199591637},{"word":"yeah","start":943.35,"end":943.85,"confidence":0.80037487,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04862184822559357},{"word":"yeah","start":948.985,"end":949.38495,"confidence":0.9905054,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014446061104536057},{"word":"i","start":949.38495,"end":949.46497,"confidence":0.9853129,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.006162725389003754},{"word":"think","start":949.46497,"end":949.96497,"confidence":0.9905408,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.002773873507976532},{"word":"next","start":950.425,"end":950.665,"confidence":0.63749194,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.009015068411827087},{"word":"thing","start":950.665,"end":950.90497,"confidence":0.9936196,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.008820749819278717},{"word":"is","start":950.90497,"end":951.14496,"confidence":0.55984694,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.005616076290607452},{"word":"be","start":951.14496,"end":951.46497,"confidence":0.54486215,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.01030351221561432},{"word":"well","start":951.545,"end":951.785,"confidence":0.6404571,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.01714538037776947},{"word":"get","start":951.785,"end":951.94495,"confidence":0.96479356,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.01863954961299896},{"word":"a","start":951.94495,"end":952.105,"confidence":0.99641293,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.013035964220762253},{"word":"bigger","start":952.105,"end":952.425,"confidence":0.99493283,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":-0.0282965749502182},{"word":"machine","start":952.425,"end":952.925,"confidence":0.692627,"punctuated_word":"machine.","sentiment":"neutral","sentiment_score":-0.012498445808887482},{"word":"sort","start":954.50494,"end":954.90497,"confidence":0.79589343,"punctuated_word":"Sort","sentiment":"neutral","sentiment_score":-0.04603414982557297},{"word":"of","start":954.90497,"end":955.40497,"confidence":0.6870775,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.030332371592521667},{"word":"and","start":955.865,"end":956.105,"confidence":0.94248635,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03636564314365387},{"word":"i'm","start":956.105,"end":956.26495,"confidence":0.99836385,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04879301413893699},{"word":"not","start":956.26495,"end":956.745,"confidence":0.6985222,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":-0.04967772960662842},{"word":"yeah","start":956.745,"end":957.06494,"confidence":0.92373335,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.05982209742069245},{"word":"in","start":957.06494,"end":957.225,"confidence":0.97402066,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06270527839660645},{"word":"and","start":957.225,"end":957.38495,"confidence":0.9753053,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03926187753677368},{"word":"out","start":957.38495,"end":957.545,"confidence":0.9929676,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.05074033513665199},{"word":"of","start":957.545,"end":957.70496,"confidence":0.9932156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.046903159469366074},{"word":"the","start":957.70496,"end":957.865,"confidence":0.7480113,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02786087989807129},{"word":"truck","start":957.865,"end":958.345,"confidence":0.92936176,"punctuated_word":"truck","sentiment":"neutral","sentiment_score":-0.02938215620815754},{"word":"load","start":958.345,"end":958.665,"confidence":0.7220057,"punctuated_word":"load.","sentiment":"neutral","sentiment_score":-0.024525191634893417},{"word":"yeah","start":958.665,"end":958.985,"confidence":0.98333585,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005853134207427502},{"word":"that","start":958.985,"end":959.14496,"confidence":0.98911333,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.007349353283643723},{"word":"was","start":959.14496,"end":959.38495,"confidence":0.99136996,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.012948058545589449},{"word":"probably","start":959.38495,"end":959.865,"confidence":0.9701589,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.028892870992422104},{"word":"on","start":959.865,"end":960.02496,"confidence":0.53250617,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.013117723166942596},{"word":"the","start":960.02496,"end":960.185,"confidence":0.906466,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01696927100419998},{"word":"next","start":960.185,"end":960.425,"confidence":0.9742286,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.004359167069196701},{"word":"that","start":961.14996,"end":961.39,"confidence":0.9921639,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.010043282061815262},{"word":"was","start":961.39,"end":961.63,"confidence":0.9295971,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.00487237423658371},{"word":"one","start":961.63,"end":961.87,"confidence":0.9896994,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.02724144235253334},{"word":"thing","start":961.87,"end":962.11,"confidence":0.9984755,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.02991577237844467},{"word":"on","start":962.11,"end":962.19,"confidence":0.6554552,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.013153117150068285},{"word":"the","start":962.19,"end":962.35,"confidence":0.44930375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01951523870229721},{"word":"to","start":963.63,"end":963.79,"confidence":0.98472035,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.014998160302639008},{"word":"do","start":963.79,"end":964.02997,"confidence":0.9843127,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.008312419056892395},{"word":"this","start":964.02997,"end":964.27,"confidence":0.48166448,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.024919703602790833},{"word":"in","start":964.27,"end":964.43,"confidence":0.9348625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02934180572628975},{"word":"the","start":964.43,"end":964.58997,"confidence":0.99690104,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03660018742084503},{"word":"next","start":964.58997,"end":964.83,"confidence":0.99778795,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.014051634818315506},{"word":"sort","start":964.83,"end":965.07,"confidence":0.7520671,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.013639967888593674},{"word":"of","start":965.07,"end":965.14996,"confidence":0.9669388,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02092943713068962},{"word":"couple","start":965.14996,"end":965.55,"confidence":0.96538645,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.016024351119995117},{"word":"of","start":965.55,"end":965.63,"confidence":0.57329625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01995125785470009},{"word":"years","start":965.63,"end":966.13,"confidence":0.8893273,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.01949152536690235},{"word":"that's","start":967.39,"end":967.89,"confidence":0.59762925,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.051449231803417206},{"word":"right","start":971.70996,"end":972.20996,"confidence":0.93028945,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.08171772956848145},{"word":"no","start":979.365,"end":979.845,"confidence":0.91621566,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07879826426506042},{"word":"not","start":979.845,"end":980.165,"confidence":0.5756112,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.10696497559547424},{"word":"at","start":980.165,"end":980.325,"confidence":0.54229337,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.13180407881736755},{"word":"this","start":980.325,"end":980.485,"confidence":0.33054918,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.14923951029777527},{"word":"stage","start":980.485,"end":980.725,"confidence":0.7111498,"punctuated_word":"stage.","sentiment":"neutral","sentiment_score":-0.10468482971191406},{"word":"that's","start":980.725,"end":980.965,"confidence":0.9909638,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.044339410960674286},{"word":"yeah","start":981.125,"end":981.445,"confidence":0.9788015,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.00412973016500473},{"word":"probably","start":981.445,"end":981.925,"confidence":0.9652456,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":0.005739733576774597},{"word":"just","start":981.925,"end":982.425,"confidence":0.9341896,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0032367557287216187},{"word":"upgrade","start":983.045,"end":983.445,"confidence":0.9546217,"punctuated_word":"upgrade","sentiment":"neutral","sentiment_score":0.04621153324842453},{"word":"the","start":983.445,"end":983.605,"confidence":0.99599624,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0319962352514267},{"word":"truck","start":983.605,"end":983.845,"confidence":0.96783674,"punctuated_word":"truck","sentiment":"neutral","sentiment_score":0.0241696834564209},{"word":"and","start":983.845,"end":984.165,"confidence":0.6315066,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.03003460168838501},{"word":"yeah","start":984.165,"end":984.405,"confidence":0.9049304,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.052369117736816406},{"word":"bigger","start":984.405,"end":984.805,"confidence":0.5817241,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":0.03366217762231827},{"word":"probably","start":984.885,"end":985.285,"confidence":0.9956583,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.013012021780014038},{"word":"a","start":985.285,"end":985.365,"confidence":0.6797587,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.027285374701023105},{"word":"bigger","start":985.365,"end":985.685,"confidence":0.9986198,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":0.025782600045204163},{"word":"machine","start":985.685,"end":986.165,"confidence":0.99217355,"punctuated_word":"machine","sentiment":"neutral","sentiment_score":0.016104213893413544},{"word":"to","start":986.165,"end":986.665,"confidence":0.3742663,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.020366743206977844},{"word":"a","start":988.17004,"end":988.25,"confidence":0.985238,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0027063675224781036},{"word":"bit","start":988.25,"end":988.49005,"confidence":0.98653865,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.00005727261304855347},{"word":"more","start":988.49005,"end":988.73004,"confidence":0.9929462,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.003696572035551071},{"word":"weather","start":988.73004,"end":989.23004,"confidence":0.6420828,"punctuated_word":"weather","sentiment":"neutral","sentiment_score":0.009820245206356049},{"word":"likely","start":989.77,"end":990.27,"confidence":0.40079632,"punctuated_word":"likely","sentiment":"neutral","sentiment_score":0.004822522401809692},{"word":"that","start":990.41003,"end":990.49005,"confidence":0.46283364,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01855745166540146},{"word":"rather","start":990.49005,"end":990.81,"confidence":0.32214707,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.0010075196623802185},{"word":"than","start":990.81,"end":990.89,"confidence":0.76573175,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.009865127503871918},{"word":"sitting","start":990.89,"end":991.13,"confidence":0.97436315,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.05059971660375595},{"word":"in","start":991.13,"end":991.37,"confidence":0.6436996,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06039724498987198},{"word":"the","start":991.37,"end":991.45,"confidence":0.9880441,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02069929987192154},{"word":"open","start":991.45,"end":991.77,"confidence":0.9110984,"punctuated_word":"open","sentiment":"neutral","sentiment_score":-0.03391634672880173},{"word":"cab","start":991.77,"end":992.27,"confidence":0.82329386,"punctuated_word":"cab.","sentiment":"neutral","sentiment_score":-0.003833726048469543},{"word":"all","start":999.29004,"end":999.69,"confidence":0.38927367,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.2096382975578308},{"word":"all","start":999.69,"end":999.93,"confidence":0.90850514,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.17647621035575867},{"word":"the","start":999.93,"end":1000.01,"confidence":0.9775278,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1962504684925079},{"word":"hot","start":1000.01,"end":1000.25,"confidence":0.42858365,"punctuated_word":"hot","sentiment":"neutral","sentiment_score":0.14940570294857025},{"word":"dogs","start":1000.25,"end":1000.57,"confidence":0.67535305,"punctuated_word":"dogs","sentiment":"neutral","sentiment_score":0.12312953174114229},{"word":"are","start":1000.57,"end":1000.73004,"confidence":0.2763729,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1192791759967804},{"word":"sitting","start":1000.73004,"end":1001.13,"confidence":0.37075418,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.1823696345090866},{"word":"there","start":1001.13,"end":1001.37,"confidence":0.49147177,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.12891829013824463},{"word":"connor","start":1001.37,"end":1001.87,"confidence":0.6513187,"punctuated_word":"Connor.","sentiment":"neutral","sentiment_score":0.044907912611961365},{"word":"no","start":1029.49,"end":1029.99,"confidence":0.9549266,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03728300333023071},{"word":"sorry","start":1044.24,"end":1044.64,"confidence":0.62189627,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.08278369903564453},{"word":"i","start":1044.64,"end":1045.14,"confidence":0.36104766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08321480453014374},{"word":"got","start":1046.24,"end":1046.5599,"confidence":0.64695185,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.10041230916976927},{"word":"off","start":1046.5599,"end":1046.72,"confidence":0.4051048,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.141403928399086},{"word":"just","start":1046.72,"end":1046.88,"confidence":0.4249887,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1311720758676529},{"word":"a","start":1046.88,"end":1046.96,"confidence":0.6381123,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09694597125053406},{"word":"minute","start":1046.96,"end":1047.28,"confidence":0.9771707,"punctuated_word":"minute","sentiment":"neutral","sentiment_score":-0.1083771139383316},{"word":"with","start":1047.28,"end":1047.36,"confidence":0.1841945,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.14022476971149445},{"word":"the","start":1047.36,"end":1047.44,"confidence":0.88085467,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1603383719921112},{"word":"machine","start":1047.44,"end":1047.94,"confidence":0.8691552,"punctuated_word":"machine.","sentiment":"neutral","sentiment_score":-0.0925341472029686},{"word":"probably","start":1072.9099,"end":1073.3099,"confidence":0.91793364,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.05749843269586563},{"word":"more","start":1073.3099,"end":1073.5499,"confidence":0.9847819,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.07849504053592682},{"word":"on","start":1073.5499,"end":1073.6299,"confidence":0.8935896,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.08615969121456146},{"word":"the","start":1073.6299,"end":1073.71,"confidence":0.9226943,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04691801220178604},{"word":"moderate","start":1073.71,"end":1074.11,"confidence":0.6465202,"punctuated_word":"moderate,","sentiment":"neutral","sentiment_score":-0.04962720721960068},{"word":"i","start":1074.11,"end":1074.2699,"confidence":0.99548364,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03571996092796326},{"word":"think","start":1074.2699,"end":1074.4299,"confidence":0.595042,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":-0.04674866795539856},{"word":"i","start":1074.4299,"end":1074.59,"confidence":0.9785684,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03393469378352165},{"word":"would","start":1074.59,"end":1074.83,"confidence":0.7823457,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.01993408799171448},{"word":"imagine","start":1074.83,"end":1075.33,"confidence":0.7295944,"punctuated_word":"imagine.","sentiment":"neutral","sentiment_score":-0.026157867163419724},{"word":"i","start":1075.3899,"end":1075.7899,"confidence":0.18507227,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0012479498982429504},{"word":"i","start":1075.7899,"end":1075.87,"confidence":0.5585246,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006214980036020279},{"word":"reckon","start":1075.87,"end":1076.37,"confidence":0.7576033,"punctuated_word":"reckon.","sentiment":"neutral","sentiment_score":0.02933989278972149},{"word":"yeah","start":1079.23,"end":1079.73,"confidence":0.7466354,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04204362630844116},{"word":"yes","start":1090.225,"end":1090.725,"confidence":0.90896344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.08091103285551071},{"word":"yeah","start":1110.23,"end":1110.55,"confidence":0.9958384,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.15109431743621826},{"word":"that's","start":1110.55,"end":1110.79,"confidence":0.9984536,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.318067729473114},{"word":"a","start":1110.79,"end":1110.87,"confidence":0.98665166,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.38091498613357544},{"word":"hard","start":1110.87,"end":1111.11,"confidence":0.99677074,"punctuated_word":"hard","sentiment":"negative","sentiment_score":-0.3819965720176697},{"word":"one","start":1111.11,"end":1111.61,"confidence":0.99649155,"punctuated_word":"one.","sentiment":"negative","sentiment_score":-0.3793666362762451},{"word":"is","start":1116.0449,"end":1116.365,"confidence":0.45297104,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.3042994737625122},{"word":"it","start":1116.365,"end":1116.765,"confidence":0.7333438,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.335408091545105},{"word":"real","start":1116.765,"end":1117.005,"confidence":0.6650311,"punctuated_word":"real","sentiment":"negative","sentiment_score":-0.40913125872612},{"word":"signs","start":1117.005,"end":1117.325,"confidence":0.300859,"punctuated_word":"signs","sentiment":"neutral","sentiment_score":-0.3097976744174957},{"word":"if","start":1117.325,"end":1117.565,"confidence":0.91754484,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.39428964257240295},{"word":"it","start":1117.565,"end":1117.6449,"confidence":0.7935664,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3334343731403351},{"word":"ever","start":1117.6449,"end":1117.885,"confidence":0.57006127,"punctuated_word":"ever","sentiment":"negative","sentiment_score":-0.37208735942840576},{"word":"crashed","start":1117.885,"end":1118.385,"confidence":0.7441371,"punctuated_word":"crashed?","sentiment":"negative","sentiment_score":-0.3581286072731018},{"word":"yeah","start":1138.8451,"end":1139.165,"confidence":0.9887454,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.028506841510534286},{"word":"i","start":1139.165,"end":1139.3251,"confidence":0.9958118,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06339868158102036},{"word":"think","start":1139.3251,"end":1139.645,"confidence":0.9988697,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.06321945041418076},{"word":"so","start":1139.645,"end":1140.145,"confidence":0.9946388,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.05233624577522278},{"word":"i","start":1141.405,"end":1141.5651,"confidence":0.9144133,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15123024582862854},{"word":"have","start":1141.5651,"end":1141.805,"confidence":0.47338566,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.14542274177074432},{"word":"to","start":1141.805,"end":1141.9651,"confidence":0.9988085,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1718248724937439},{"word":"talk","start":1141.9651,"end":1142.2051,"confidence":0.9981889,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":-0.17120474576950073},{"word":"to","start":1142.2051,"end":1142.285,"confidence":0.99250424,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19931599497795105},{"word":"someone","start":1142.285,"end":1142.685,"confidence":0.9778797,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":-0.1324443817138672},{"word":"like","start":1142.685,"end":1142.765,"confidence":0.967097,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.13752487301826477},{"word":"you","start":1142.765,"end":1143.005,"confidence":0.99189353,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08390796929597855},{"word":"guys","start":1143.005,"end":1143.3251,"confidence":0.68874043,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":-0.08390964567661285},{"word":"i","start":1143.3251,"end":1143.5651,"confidence":0.86898214,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06893932074308395},{"word":"reckon","start":1143.5651,"end":1144.0651,"confidence":0.8110216,"punctuated_word":"reckon,","sentiment":"neutral","sentiment_score":-0.06230449676513672},{"word":"and","start":1144.525,"end":1144.685,"confidence":0.67827857,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09092161059379578},{"word":"i'll","start":1144.685,"end":1144.925,"confidence":0.66998565,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.06426065415143967},{"word":"get","start":1144.925,"end":1145.165,"confidence":0.99074554,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.07012559473514557},{"word":"the","start":1145.165,"end":1145.3251,"confidence":0.9953955,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08726420998573303},{"word":"best","start":1145.3251,"end":1145.645,"confidence":0.9994253,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.07174518704414368},{"word":"advice","start":1145.645,"end":1146.145,"confidence":0.69470906,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":-0.07217151671648026},{"word":"like","start":1146.2051,"end":1146.4451,"confidence":0.76074135,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0631333440542221},{"word":"if","start":1146.4451,"end":1146.525,"confidence":0.9699489,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0919891744852066},{"word":"it","start":1146.525,"end":1146.6051,"confidence":0.9914163,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.12547799944877625},{"word":"was","start":1146.6051,"end":1147.1051,"confidence":0.84200984,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.07785055041313171},{"word":"because","start":1149.165,"end":1149.4851,"confidence":0.39298153,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1471836417913437},{"word":"it","start":1149.4851,"end":1149.645,"confidence":0.96249527,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.273401141166687},{"word":"was","start":1149.645,"end":1149.885,"confidence":0.9717766,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.22168633341789248},{"word":"a","start":1149.885,"end":1150.045,"confidence":0.989007,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.24267727136611936},{"word":"bit","start":1150.045,"end":1150.285,"confidence":0.99180377,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.200408935546875},{"word":"nuts","start":1150.285,"end":1150.785,"confidence":0.90556324,"punctuated_word":"nuts.","sentiment":"neutral","sentiment_score":-0.14385123550891876},{"word":"not","start":1161.7001,"end":1162.02,"confidence":0.961847,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.2811201214790344},{"word":"extremely","start":1162.02,"end":1162.52,"confidence":0.7009984,"punctuated_word":"extremely.","sentiment":"neutral","sentiment_score":-0.2261454463005066},{"word":"no","start":1162.5801,"end":1163.0801,"confidence":0.9119767,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2389477491378784},{"word":"yeah","start":1164.5,"end":1165.0,"confidence":0.7779559,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.16350162029266355},{"word":"thought","start":1165.14,"end":1165.38,"confidence":0.42079407,"punctuated_word":"Thought","sentiment":"neutral","sentiment_score":-0.19400539994239807},{"word":"it","start":1165.38,"end":1165.54,"confidence":0.45527428,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2392672598361969},{"word":"was","start":1165.54,"end":1165.7001,"confidence":0.9897489,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.17837725579738617},{"word":"always","start":1165.7001,"end":1165.9401,"confidence":0.78345156,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.07813706248998642},{"word":"gonna","start":1165.9401,"end":1166.26,"confidence":0.97686744,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.22364582121372223},{"word":"be","start":1166.26,"end":1166.7401,"confidence":0.9926483,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.18110522627830505},{"word":"a","start":1166.7401,"end":1166.8201,"confidence":0.74284464,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2289154976606369},{"word":"lot","start":1166.8201,"end":1167.14,"confidence":0.9832302,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.23175568878650665},{"word":"at","start":1167.14,"end":1167.2201,"confidence":0.56669694,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.20454663038253784},{"word":"the","start":1167.2201,"end":1167.38,"confidence":0.94410735,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16764849424362183},{"word":"end","start":1167.38,"end":1167.88,"confidence":0.6793878,"punctuated_word":"end.","sentiment":"neutral","sentiment_score":-0.1367008239030838},{"word":"but","start":1169.355,"end":1169.595,"confidence":0.7581419,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.14438088238239288},{"word":"yeah","start":1169.595,"end":1169.915,"confidence":0.9755292,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.15210112929344177},{"word":"this","start":1169.915,"end":1170.155,"confidence":0.58359385,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.22421887516975403},{"word":"was","start":1170.155,"end":1170.475,"confidence":0.62172484,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.19185273349285129},{"word":"probably","start":1170.475,"end":1170.915,"confidence":0.94273216,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.24041476845741272},{"word":"was","start":1171.355,"end":1171.595,"confidence":0.27214396,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2506810128688812},{"word":"i","start":1173.515,"end":1173.595,"confidence":0.12213947,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2875463366508484},{"word":"don't","start":1173.595,"end":1173.755,"confidence":0.8937048,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2239067554473877},{"word":"know","start":1173.755,"end":1173.995,"confidence":0.98857725,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.3301275372505188},{"word":"what's","start":1173.995,"end":1174.235,"confidence":0.8157909,"punctuated_word":"what's","sentiment":"negative","sentiment_score":-0.34291666746139526},{"word":"gonna","start":1174.235,"end":1174.475,"confidence":0.8580383,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2995985150337219},{"word":"happen","start":1174.475,"end":1174.795,"confidence":0.7928944,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.2758960425853729},{"word":"with","start":1174.795,"end":1174.9551,"confidence":0.72350186,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2844529151916504},{"word":"ours","start":1174.9551,"end":1175.4551,"confidence":0.59936756,"punctuated_word":"ours.","sentiment":"neutral","sentiment_score":-0.217141255736351},{"word":"yeah","start":1182.9299,"end":1183.25,"confidence":0.98463416,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.013630662113428116},{"word":"that's","start":1183.25,"end":1183.6499,"confidence":0.7903729,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.02173773944377899},{"word":"right","start":1183.6499,"end":1184.1499,"confidence":0.9107815,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.07073120772838593},{"word":"yeah","start":1187.09,"end":1187.59,"confidence":0.91265655,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04138675704598427},{"word":"i","start":1207.585,"end":1207.745,"confidence":0.962628,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04412265121936798},{"word":"think","start":1207.745,"end":1208.145,"confidence":0.68995696,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":-0.03722452372312546},{"word":"like","start":1208.145,"end":1208.385,"confidence":0.8774966,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.016823746263980865},{"word":"yeah","start":1208.465,"end":1208.965,"confidence":0.98745036,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0012219250202178955},{"word":"potentially","start":1209.66,"end":1210.16,"confidence":0.8722845,"punctuated_word":"Potentially.","sentiment":"neutral","sentiment_score":0.008902117609977722},{"word":"yeah","start":1210.38,"end":1210.78,"confidence":0.9972656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0293787382543087},{"word":"like","start":1210.78,"end":1211.02,"confidence":0.74538636,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.03968367353081703},{"word":"one","start":1211.02,"end":1211.3401,"confidence":0.6185229,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05060432106256485},{"word":"like","start":1211.66,"end":1211.8201,"confidence":0.7322553,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05250179022550583},{"word":"i","start":1211.8201,"end":1211.9801,"confidence":0.5175996,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0458851233124733},{"word":"said","start":1211.9801,"end":1212.3,"confidence":0.7652655,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.041775546967983246},{"word":"like","start":1212.3,"end":1212.54,"confidence":0.63568807,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.052510179579257965},{"word":"you","start":1212.54,"end":1212.7001,"confidence":0.58339936,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0347893089056015},{"word":"said","start":1212.7001,"end":1213.2001,"confidence":0.932716,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.044436194002628326},{"word":"main","start":1213.3401,"end":1213.5,"confidence":0.39174792,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.04055303335189819},{"word":"thing","start":1213.5,"end":1213.66,"confidence":0.86238813,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.06100691854953766},{"word":"is","start":1213.66,"end":1213.74,"confidence":0.61443114,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.009770207107067108},{"word":"we","start":1213.74,"end":1213.9801,"confidence":0.59166485,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.007647350430488586},{"word":"get","start":1213.9801,"end":1214.06,"confidence":0.9104756,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.029271207749843597},{"word":"rid","start":1214.06,"end":1214.2201,"confidence":0.9972459,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.05399465560913086},{"word":"of","start":1214.2201,"end":1214.38,"confidence":0.9961706,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05457676947116852},{"word":"that","start":1214.38,"end":1214.88,"confidence":0.9947856,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.029837973415851593},{"word":"house","start":1214.9401,"end":1215.18,"confidence":0.6876348,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.09438672661781312},{"word":"loan","start":1215.18,"end":1215.42,"confidence":0.45628732,"punctuated_word":"loan.","sentiment":"neutral","sentiment_score":-0.06594303250312805},{"word":"we'll","start":1215.42,"end":1215.5801,"confidence":0.9594548,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.04828615114092827},{"word":"get","start":1215.5801,"end":1215.74,"confidence":0.99073106,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07149817794561386},{"word":"it","start":1215.74,"end":1215.9,"confidence":0.9889592,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.010161876678466795},{"word":"down","start":1215.9,"end":1216.4,"confidence":0.83401835,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.028864845633506775},{"word":"and","start":1217.9801,"end":1218.14,"confidence":0.99565697,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08141733705997467},{"word":"then","start":1218.14,"end":1218.4601,"confidence":0.83012277,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.08626583218574524},{"word":"yeah","start":1218.4601,"end":1218.7001,"confidence":0.9696703,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.13938727974891665},{"word":"if","start":1218.7001,"end":1218.78,"confidence":0.45399642,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17765918374061584},{"word":"we'll","start":1218.78,"end":1219.02,"confidence":0.7823405,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.14141838252544403},{"word":"sit","start":1219.02,"end":1219.42,"confidence":0.9567367,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":0.20195358991622925},{"word":"down","start":1219.42,"end":1219.74,"confidence":0.86915004,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.17769545316696167},{"word":"well","start":1219.74,"end":1219.895,"confidence":0.66481495,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.20300230383872983},{"word":"yeah","start":1219.895,"end":1220.05,"confidence":0.9242853,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.24181422591209412},{"word":"i","start":1220.05,"end":1220.3,"confidence":0.6282727,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23322026431560516},{"word":"would","start":1220.3,"end":1220.54,"confidence":0.93271655,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2850508689880371},{"word":"definitely","start":1220.54,"end":1221.04,"confidence":0.8300092,"punctuated_word":"definitely.","sentiment":"neutral","sentiment_score":0.2016761153936386},{"word":"yep","start":1239.33,"end":1239.83,"confidence":0.8689954,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.008601527661085129},{"word":"yeah","start":1247.97,"end":1248.47,"confidence":0.9460722,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14952944219112396},{"word":"yeah","start":1249.09,"end":1249.59,"confidence":0.79124916,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12966421246528623},{"word":"yep","start":1255.275,"end":1255.775,"confidence":0.8386411,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16259285807609558},{"word":"yep","start":1266.24,"end":1266.74,"confidence":0.9012451,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.17033535242080688},{"word":"yeah","start":1268.56,"end":1268.88,"confidence":0.7502794,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02343658171594143},{"word":"that's","start":1268.88,"end":1269.12,"confidence":0.5667652,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.019600771367549896},{"word":"right","start":1269.12,"end":1269.52,"confidence":0.61005276,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.1907534301280975},{"word":"yep","start":1269.52,"end":1270.02,"confidence":0.763042,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3035770356655121},{"word":"yeah","start":1282.335,"end":1282.835,"confidence":0.9425302,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2924748361110687},{"word":"yep","start":1305.66,"end":1306.16,"confidence":0.8956933,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11162712424993516},{"word":"yep","start":1318.985,"end":1319.485,"confidence":0.87080026,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.07358035445213318},{"word":"yep","start":1352.5801,"end":1353.0801,"confidence":0.9764514,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.2195261716842651},{"word":"yep","start":1365.62,"end":1366.12,"confidence":0.73297286,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03617337718605995},{"word":"yep","start":1375.375,"end":1375.875,"confidence":0.98886144,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04773204028606415},{"word":"yep","start":1399.745,"end":1400.245,"confidence":0.86389685,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09986434876918791},{"word":"yep","start":1406.225,"end":1406.725,"confidence":0.9971042,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.22751128673553467},{"word":"yeah","start":1417.94,"end":1418.26,"confidence":0.92159384,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07508228719234467},{"word":"okay","start":1418.26,"end":1418.76,"confidence":0.95281535,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.019628237932920456},{"word":"yeah","start":1419.06,"end":1419.22,"confidence":0.98628736,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.059798434376716614},{"word":"yeah","start":1419.22,"end":1419.54,"confidence":0.9763607,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12898464500904083},{"word":"it","start":1419.54,"end":1419.62,"confidence":0.97287256,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.15935058891773224},{"word":"does","start":1419.62,"end":1420.12,"confidence":0.99602354,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.14936599135398865},{"word":"yeah","start":1428.075,"end":1428.235,"confidence":0.8687055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1017419621348381},{"word":"i","start":1428.235,"end":1428.395,"confidence":0.60787284,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08324068784713745},{"word":"know","start":1428.395,"end":1428.7949,"confidence":0.6272539,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.07676073908805847},{"word":"that","start":1428.7949,"end":1428.955,"confidence":0.6449911,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.05954645946621895},{"word":"one","start":1428.955,"end":1429.455,"confidence":0.77982235,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.05651184171438217},{"word":"yep","start":1444.85,"end":1445.35,"confidence":0.9698602,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24843654036521912},{"word":"yeah","start":1450.53,"end":1451.03,"confidence":0.916638,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028615761548280716},{"word":"yeah","start":1458.605,"end":1458.925,"confidence":0.7710817,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02591949701309204},{"word":"sounds","start":1458.925,"end":1459.245,"confidence":0.22125983,"punctuated_word":"Sounds","sentiment":"neutral","sentiment_score":-0.0465000756084919},{"word":"a","start":1459.245,"end":1459.3251,"confidence":0.9930918,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1021229326725006},{"word":"little","start":1459.3251,"end":1459.5651,"confidence":0.9984652,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.07689899206161499},{"word":"bit","start":1459.5651,"end":1460.0651,"confidence":0.99483883,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.06943970173597336},{"word":"yeah","start":1460.4451,"end":1460.9451,"confidence":0.9817226,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014561653137207031},{"word":"yep","start":1463.405,"end":1463.905,"confidence":0.8543903,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.093800388276577},{"word":"what","start":1470.4299,"end":1470.67,"confidence":0.9634574,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.036713793873786926},{"word":"what","start":1470.67,"end":1470.75,"confidence":0.91331416,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.039949461817741394},{"word":"would","start":1470.75,"end":1471.07,"confidence":0.9740356,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06273932754993439},{"word":"you","start":1471.07,"end":1471.3099,"confidence":0.9916359,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.059175245463848114},{"word":"what","start":1471.3099,"end":1471.63,"confidence":0.3514389,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03574167937040329},{"word":"what","start":1471.63,"end":1471.79,"confidence":0.48387253,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04969656467437744},{"word":"would","start":1471.79,"end":1472.03,"confidence":0.93815494,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06307623535394669},{"word":"you","start":1472.03,"end":1472.19,"confidence":0.9936056,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05393631011247635},{"word":"recommend","start":1472.19,"end":1472.69,"confidence":0.9901791,"punctuated_word":"recommend?","sentiment":"neutral","sentiment_score":0.0743074119091034},{"word":"yeah","start":1487.225,"end":1487.385,"confidence":0.91262305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05617053806781769},{"word":"well","start":1487.385,"end":1487.785,"confidence":0.74411243,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.008030552417039871},{"word":"i've","start":1487.785,"end":1488.025,"confidence":0.83899164,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.009994703345000744},{"word":"done","start":1488.025,"end":1488.525,"confidence":0.95851314,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.07004658877849579},{"word":"it","start":1489.225,"end":1489.385,"confidence":0.6298008,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.02674711123108864},{"word":"i've","start":1489.385,"end":1489.625,"confidence":0.91373485,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.12539497017860413},{"word":"done","start":1489.625,"end":1489.865,"confidence":0.9941459,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.22026540338993073},{"word":"anything","start":1489.865,"end":1490.185,"confidence":0.48645064,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.11369317770004272},{"word":"in","start":1490.185,"end":1490.425,"confidence":0.5796949,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.20520523190498352},{"word":"the","start":1490.425,"end":1490.665,"confidence":0.939657,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17893338203430176},{"word":"next","start":1490.665,"end":1491.145,"confidence":0.9874386,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.15139031410217285},{"word":"sort","start":1491.145,"end":1491.385,"confidence":0.9141614,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.12963011860847473},{"word":"of","start":1491.385,"end":1491.465,"confidence":0.9499424,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1411522626876831},{"word":"twelve","start":1491.465,"end":1491.785,"confidence":0.9966042,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.1493704915046692},{"word":"months","start":1491.785,"end":1492.285,"confidence":0.8655325,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.09655120968818665},{"word":"he's","start":1492.76,"end":1493.0,"confidence":0.87692344,"punctuated_word":"He's","sentiment":"neutral","sentiment_score":-0.12686143815517426},{"word":"gonna","start":1493.0,"end":1493.16,"confidence":0.9537022,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.1297097206115723},{"word":"settle","start":1493.16,"end":1493.66,"confidence":0.9155452,"punctuated_word":"settle","sentiment":"neutral","sentiment_score":-0.10071036219596864},{"word":"settle","start":1493.7201,"end":1494.2001,"confidence":0.9597753,"punctuated_word":"settle","sentiment":"neutral","sentiment_score":-0.06653998792171478},{"word":"down","start":1494.2001,"end":1494.4401,"confidence":0.8453171,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.04830080643296242},{"word":"is","start":1494.4401,"end":1494.68,"confidence":0.99865556,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.006938837468624115},{"word":"it","start":1494.68,"end":1495.18,"confidence":0.9933066,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.03307999670505524},{"word":"like","start":1496.28,"end":1496.68,"confidence":0.74385494,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.018951375037431717},{"word":"with","start":1496.68,"end":1496.92,"confidence":0.88957965,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.08193589001893997},{"word":"the","start":1496.92,"end":1497.0,"confidence":0.99052936,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11056338250637054},{"word":"walls","start":1497.0,"end":1497.4,"confidence":0.9580697,"punctuated_word":"walls","sentiment":"neutral","sentiment_score":-0.1103341430425644},{"word":"on","start":1497.4,"end":1497.64,"confidence":0.573642,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07876625657081604},{"word":"time","start":1497.64,"end":1498.14,"confidence":0.4901433,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.062062934041023254},{"word":"yeah","start":1504.28,"end":1504.78,"confidence":0.784554,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1990140676498413},{"word":"yeah","start":1517.065,"end":1517.465,"confidence":0.81438816,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.038319241255521774},{"word":"true","start":1517.465,"end":1517.965,"confidence":0.6949407,"punctuated_word":"True.","sentiment":"neutral","sentiment_score":-0.05625791475176811},{"word":"yeah","start":1522.1,"end":1522.6,"confidence":0.8702119,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1702648401260376},{"word":"yep","start":1527.46,"end":1527.96,"confidence":0.85730565,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08098943531513214},{"word":"yep","start":1528.5,"end":1528.8999,"confidence":0.78992176,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.024632692337036133},{"word":"yeah","start":1528.8999,"end":1529.3999,"confidence":0.6279996,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.028478777036070824},{"word":"no","start":1537.1951,"end":1537.275,"confidence":0.97886145,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.30058151483535767},{"word":"definitely","start":1537.275,"end":1537.775,"confidence":0.9871338,"punctuated_word":"Definitely","sentiment":"neutral","sentiment_score":-0.3307660222053528},{"word":"not","start":1537.8351,"end":1538.3351,"confidence":0.9948357,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.2390883266925812},{"word":"yeah","start":1538.635,"end":1539.035,"confidence":0.9564024,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.052547916769981384},{"word":"yeah","start":1539.035,"end":1539.435,"confidence":0.78512967,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00773192010819912},{"word":"i'll","start":1539.435,"end":1539.515,"confidence":0.81876254,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.01329299807548523},{"word":"probably","start":1539.515,"end":1539.915,"confidence":0.98403144,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.02173571288585663},{"word":"start","start":1539.915,"end":1540.235,"confidence":0.47563905,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.012442581355571749},{"word":"then","start":1540.235,"end":1540.735,"confidence":0.7334744,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0547347329556942},{"word":"with","start":1542.155,"end":1542.4751,"confidence":0.5927273,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.004701570607721806},{"word":"the","start":1542.4751,"end":1542.795,"confidence":0.9535402,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0014126775786280632},{"word":"log","start":1542.795,"end":1543.035,"confidence":0.2081451,"punctuated_word":"log","sentiment":"neutral","sentiment_score":0.00278557650744915},{"word":"what","start":1543.1951,"end":1543.435,"confidence":0.17340478,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.007653163745999336},{"word":"you're","start":1543.435,"end":1543.515,"confidence":0.4206201,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.004356306046247482},{"word":"saying","start":1543.515,"end":1543.8351,"confidence":0.9622509,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.004751274362206459},{"word":"the","start":1543.8351,"end":1543.915,"confidence":0.47000274,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004165878519415855},{"word":"log","start":1543.915,"end":1544.0751,"confidence":0.78905886,"punctuated_word":"log","sentiment":"neutral","sentiment_score":0.0009402120485901831},{"word":"restart","start":1544.0751,"end":1544.5751,"confidence":0.46629447,"punctuated_word":"restart.","sentiment":"neutral","sentiment_score":-0.003186233341693878},{"word":"if","start":1546.235,"end":1546.4751,"confidence":0.6918053,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.006892554461956024},{"word":"it's","start":1546.4751,"end":1546.7151,"confidence":0.9159062,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.008866602554917336},{"word":"just","start":1546.7151,"end":1546.9551,"confidence":0.9899811,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.009625609964132307},{"word":"poking","start":1546.9551,"end":1547.275,"confidence":0.47944206,"punctuated_word":"poking","sentiment":"neutral","sentiment_score":0.04895967990159989},{"word":"along","start":1547.275,"end":1547.5951,"confidence":0.92683935,"punctuated_word":"along,","sentiment":"neutral","sentiment_score":0.09250089526176453},{"word":"it's","start":1547.5951,"end":1547.8351,"confidence":0.98089355,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0902249738574028},{"word":"better","start":1547.8351,"end":1548.155,"confidence":0.99799675,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.05777749419212341},{"word":"than","start":1548.155,"end":1548.3151,"confidence":0.98571825,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.06401870399713516},{"word":"yeah","start":1548.635,"end":1549.135,"confidence":0.9829571,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1654011458158493},{"word":"yep","start":1557.54,"end":1558.04,"confidence":0.74878913,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0335417315363884},{"word":"yep","start":1560.8201,"end":1561.06,"confidence":0.75480473,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.017889801412820816},{"word":"sure","start":1561.06,"end":1561.38,"confidence":0.51808745,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.005837557837367058},{"word":"i","start":1561.38,"end":1561.46,"confidence":0.59891474,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14590881764888763},{"word":"lost","start":1561.46,"end":1561.7,"confidence":0.3566202,"punctuated_word":"lost","sentiment":"neutral","sentiment_score":-0.05989725515246391},{"word":"it","start":1561.7,"end":1561.78,"confidence":0.7842339,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.03055260330438614},{"word":"yep","start":1561.78,"end":1562.28,"confidence":0.8887676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11230538785457612},{"word":"that's","start":1564.845,"end":1565.345,"confidence":0.6800047,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2676118016242981},{"word":"it","start":1573.965,"end":1574.465,"confidence":0.9107058,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.06568155437707901},{"word":"correct","start":1574.605,"end":1575.005,"confidence":0.8828746,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.17179641127586365},{"word":"yep","start":1575.005,"end":1575.505,"confidence":0.99710274,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22413060069084167},{"word":"oh","start":1592.375,"end":1592.5349,"confidence":0.7698078,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.013528436422348022},{"word":"i","start":1592.5349,"end":1592.695,"confidence":0.9978491,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02337714657187462},{"word":"have","start":1592.695,"end":1592.9349,"confidence":0.9932341,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03153526782989502},{"word":"got","start":1592.9349,"end":1593.4149,"confidence":0.9971398,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.025864023715257645},{"word":"i","start":1593.4149,"end":1593.6549,"confidence":0.9830451,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04045395180583},{"word":"have","start":1593.6549,"end":1593.895,"confidence":0.99710804,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01916004717350006},{"word":"got","start":1593.895,"end":1594.215,"confidence":0.9897043,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.037731751799583435},{"word":"income","start":1594.215,"end":1594.695,"confidence":0.97405994,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.06884726881980896},{"word":"protection","start":1594.695,"end":1595.195,"confidence":0.9703032,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":-0.03600405156612396},{"word":"i","start":1595.735,"end":1595.975,"confidence":0.96772164,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.028299860656261444},{"word":"had","start":1595.975,"end":1596.215,"confidence":0.9811674,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.03338814526796341},{"word":"to","start":1596.215,"end":1596.715,"confidence":0.99844414,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.028726857155561447},{"word":"do","start":1597.335,"end":1597.495,"confidence":0.997086,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03045552596449852},{"word":"that","start":1597.495,"end":1597.815,"confidence":0.99862266,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03154671937227249},{"word":"to","start":1597.815,"end":1597.975,"confidence":0.99782085,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04026692733168602},{"word":"get","start":1597.975,"end":1598.475,"confidence":0.9990176,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.04044095799326897},{"word":"to","start":1600.615,"end":1600.855,"confidence":0.6080851,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.028002118691802025},{"word":"like","start":1600.855,"end":1601.1749,"confidence":0.9940607,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.01907375268638134},{"word":"a","start":1601.1749,"end":1601.335,"confidence":0.94108194,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0065621137619018555},{"word":"business","start":1601.335,"end":1601.735,"confidence":0.98550004,"punctuated_word":"business","sentiment":"neutral","sentiment_score":-0.005937501788139343},{"word":"in","start":1601.735,"end":1601.975,"confidence":0.9513768,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.002703629434108734},{"word":"town","start":1601.975,"end":1602.475,"confidence":0.94579107,"punctuated_word":"town.","sentiment":"neutral","sentiment_score":0.002357127144932747},{"word":"so","start":1602.49,"end":1602.99,"confidence":0.47005388,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.012179940938949583},{"word":"i","start":1603.005,"end":1603.255,"confidence":0.4155557,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005839433521032333},{"word":"that","start":1603.495,"end":1603.89,"confidence":0.7182184,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009442079812288284},{"word":"that","start":1603.89,"end":1604.13,"confidence":0.99948573,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008580226451158524},{"word":"was","start":1604.13,"end":1604.63,"confidence":0.9912115,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.004023376852273941},{"word":"one","start":1609.09,"end":1609.59,"confidence":0.9715863,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03846330940723419},{"word":"of","start":1610.49,"end":1610.99,"confidence":0.9960063,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.024507742375135425},{"word":"their","start":1611.89,"end":1612.39,"confidence":0.85698974,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.054156091064214706},{"word":"requirements","start":1613.29,"end":1613.79,"confidence":0.9672644,"punctuated_word":"requirements.","sentiment":"neutral","sentiment_score":-0.03921081870794296},{"word":"i","start":1614.6901,"end":1614.85,"confidence":0.7859977,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006529785692691803},{"word":"think","start":1614.85,"end":1615.01,"confidence":0.88241005,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.026853151619434357},{"word":"it's","start":1615.01,"end":1615.17,"confidence":0.97046435,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.017517035827040672},{"word":"a","start":1615.17,"end":1615.25,"confidence":0.9654657,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009835194796323776},{"word":"proper","start":1615.25,"end":1615.5701,"confidence":0.97374976,"punctuated_word":"proper","sentiment":"neutral","sentiment_score":-0.009942784905433657},{"word":"policy","start":1615.5701,"end":1616.0701,"confidence":0.9082178,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":-0.027019981294870377},{"word":"yeah","start":1616.13,"end":1616.63,"confidence":0.98746455,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.006170464679598808},{"word":"and","start":1617.8151,"end":1617.975,"confidence":0.5388141,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.011421440169215202},{"word":"i","start":1617.975,"end":1618.135,"confidence":0.9968541,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01815597526729107},{"word":"think","start":1618.135,"end":1618.295,"confidence":0.99641883,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.011736631393432615},{"word":"i'm","start":1618.295,"end":1618.535,"confidence":0.9656371,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.038061872124671936},{"word":"locked","start":1618.535,"end":1618.775,"confidence":0.72361636,"punctuated_word":"locked","sentiment":"neutral","sentiment_score":-0.04989040642976761},{"word":"in","start":1618.775,"end":1618.935,"confidence":0.47446346,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.057341158390045166},{"word":"to","start":1618.935,"end":1619.095,"confidence":0.67162156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04304036870598793},{"word":"it","start":1619.095,"end":1619.255,"confidence":0.384163,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03751233220100403},{"word":"to","start":1619.255,"end":1619.755,"confidence":0.552361,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04539883136749267},{"word":"2047","start":1620.215,"end":1622.3151,"confidence":0.9768618,"punctuated_word":"2047","sentiment":"neutral","sentiment_score":-0.02710233628749847},{"word":"for","start":1622.935,"end":1623.175,"confidence":0.52065957,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04726542532444},{"word":"memory","start":1623.175,"end":1623.675,"confidence":0.7982993,"punctuated_word":"memory.","sentiment":"neutral","sentiment_score":-0.03708814829587936},{"word":"like","start":1625.335,"end":1625.655,"confidence":0.79768074,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.031154224649071693},{"word":"i","start":1625.655,"end":1625.735,"confidence":0.98740256,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03281348571181297},{"word":"can","start":1625.735,"end":1625.975,"confidence":0.8641879,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.027550257742404934},{"word":"opt","start":1625.975,"end":1626.215,"confidence":0.85746723,"punctuated_word":"opt","sentiment":"neutral","sentiment_score":-0.04260213300585747},{"word":"out","start":1626.215,"end":1626.375,"confidence":0.94913244,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.06164824217557907},{"word":"what","start":1626.375,"end":1626.615,"confidence":0.49728966,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05237624794244766},{"word":"i","start":1626.615,"end":1626.695,"confidence":0.99807835,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04695245251059532},{"word":"want","start":1626.695,"end":1627.015,"confidence":0.7653444,"punctuated_word":"want,","sentiment":"neutral","sentiment_score":-0.04675498604774475},{"word":"but","start":1627.015,"end":1627.515,"confidence":0.99806327,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0361318364739418},{"word":"so","start":1628.215,"end":1628.455,"confidence":0.2530277,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.04692690074443817},{"word":"yeah","start":1628.535,"end":1628.695,"confidence":0.88428366,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.026040535420179367},{"word":"it's","start":1628.695,"end":1628.935,"confidence":0.8967628,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.016570430248975754},{"word":"it's","start":1628.935,"end":1629.175,"confidence":0.7408929,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.08141963928937912},{"word":"for","start":1629.175,"end":1629.335,"confidence":0.66446996,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06815192103385925},{"word":"me","start":1629.335,"end":1629.495,"confidence":0.9917875,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.07469717413187027},{"word":"to","start":1629.495,"end":1629.655,"confidence":0.9911014,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08279841393232346},{"word":"get","start":1629.655,"end":1629.975,"confidence":0.9951261,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.08029544353485107},{"word":"any","start":1629.975,"end":1630.295,"confidence":0.9344532,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.06077883020043373},{"word":"work","start":1630.295,"end":1630.615,"confidence":0.98965377,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.06805547326803207},{"word":"with","start":1630.615,"end":1631.04,"confidence":0.99437475,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.10103904455900192},{"word":"this","start":1631.36,"end":1631.6001,"confidence":0.9966017,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.10084548592567444},{"word":"company","start":1631.6001,"end":1632.1001,"confidence":0.9992588,"punctuated_word":"company","sentiment":"neutral","sentiment_score":-0.08273904025554657},{"word":"or","start":1632.64,"end":1632.68,"confidence":0.5582824,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08871488273143768},{"word":"i","start":1632.68,"end":1632.7201,"confidence":0.6342833,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09470293670892715},{"word":"have","start":1632.7201,"end":1632.88,"confidence":0.42802554,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08473558723926544},{"word":"to","start":1632.88,"end":1633.04,"confidence":0.9952317,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06241011619567871},{"word":"be","start":1633.04,"end":1633.52,"confidence":0.982154,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06270705908536911},{"word":"in","start":1633.52,"end":1633.76,"confidence":0.9347781,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06856973469257355},{"word":"one","start":1633.76,"end":1634.26,"confidence":0.9748251,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.04655712470412254},{"word":"yep","start":1649.6849,"end":1650.1849,"confidence":0.9368864,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03015239909291267},{"word":"no","start":1656.325,"end":1656.825,"confidence":0.7092893,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07508788257837296},{"word":"what","start":1657.845,"end":1658.345,"confidence":0.98230016,"punctuated_word":"What?","sentiment":"neutral","sentiment_score":-0.03362362086772919},{"word":"yep","start":1662.2201,"end":1662.7201,"confidence":0.96690273,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0024891707580536604},{"word":"i'll","start":1673.9801,"end":1674.14,"confidence":0.63375586,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.12036418914794922},{"word":"probably","start":1674.14,"end":1674.64,"confidence":0.9815066,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.1581483781337738},{"word":"i","start":1675.9551,"end":1676.035,"confidence":0.25116998,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16898877918720245},{"word":"don't","start":1676.035,"end":1676.355,"confidence":0.70874435,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.15991276502609253},{"word":"even","start":1676.355,"end":1676.595,"confidence":0.35859135,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.17904037237167358},{"word":"know","start":1676.595,"end":1676.675,"confidence":0.51696676,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.12847310304641724},{"word":"when","start":1676.675,"end":1676.915,"confidence":0.6653715,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.1432718187570572},{"word":"i'm","start":1676.915,"end":1677.155,"confidence":0.7652296,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.13327088952064514},{"word":"talking","start":1677.155,"end":1677.635,"confidence":0.51597077,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.07856613397598267},{"word":"anytime","start":1677.635,"end":1678.035,"confidence":0.6358661,"punctuated_word":"anytime","sentiment":"neutral","sentiment_score":-0.1172746792435646},{"word":"soon","start":1678.035,"end":1678.535,"confidence":0.9889895,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":-0.10282565653324129},{"word":"yes","start":1690.76,"end":1691.26,"confidence":0.74641824,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.16104137897491455},{"word":"yes","start":1695.72,"end":1696.22,"confidence":0.7437865,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.007377114146947861},{"word":"yeah","start":1707.815,"end":1707.975,"confidence":0.7184551,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02534138783812523},{"word":"what","start":1707.975,"end":1708.2949,"confidence":0.75468904,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.0705006942152977},{"word":"would","start":1708.2949,"end":1708.5349,"confidence":0.98791903,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1392788141965866},{"word":"would","start":1708.695,"end":1708.855,"confidence":0.58795786,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1334724873304367},{"word":"that","start":1708.855,"end":1709.095,"confidence":0.99500304,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12049266695976256},{"word":"be","start":1709.095,"end":1709.4149,"confidence":0.99212086,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1132335364818573},{"word":"a","start":1709.4149,"end":1709.575,"confidence":0.67598736,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13224759697914124},{"word":"higher","start":1709.575,"end":1709.895,"confidence":0.8993743,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.1653268188238144},{"word":"premium","start":1709.895,"end":1710.375,"confidence":0.9939188,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":-0.23765292763710025},{"word":"if","start":1710.375,"end":1710.695,"confidence":0.97376716,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.19202592968940735},{"word":"if","start":1710.695,"end":1710.9349,"confidence":0.88860756,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.18030333518981936},{"word":"i","start":1710.9349,"end":1711.015,"confidence":0.99583167,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17594513297080994},{"word":"did","start":1711.015,"end":1711.335,"confidence":0.9311478,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.18700316548347473},{"word":"up","start":1711.335,"end":1711.495,"confidence":0.84271604,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.10705861449241638},{"word":"that","start":1711.495,"end":1711.735,"confidence":0.9949458,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12364794313907625},{"word":"rate","start":1711.735,"end":1712.235,"confidence":0.9189409,"punctuated_word":"rate?","sentiment":"neutral","sentiment_score":-0.0986361801624298},{"word":"obviously","start":1712.615,"end":1713.015,"confidence":0.9708358,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.05730894207954407},{"word":"it","start":1713.015,"end":1713.1749,"confidence":0.9572103,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02008301578462124},{"word":"would","start":1713.1749,"end":1713.4149,"confidence":0.97674406,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.036642372608184814},{"word":"be","start":1713.4149,"end":1713.9149,"confidence":0.8280896,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":-0.053446270525455475},{"word":"yep","start":1721.5701,"end":1722.0701,"confidence":0.99085873,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.09429910778999329},{"word":"yeah","start":1747.7401,"end":1748.2401,"confidence":0.7849361,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19464318454265592},{"word":"yeah","start":1754.235,"end":1754.475,"confidence":0.8703205,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1969928741455078},{"word":"i","start":1754.475,"end":1754.715,"confidence":0.58222044,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.174330934882164},{"word":"got","start":1754.715,"end":1755.215,"confidence":0.5180993,"punctuated_word":"got.","sentiment":"neutral","sentiment_score":0.18855492770671844},{"word":"yep","start":1779.2699,"end":1779.7699,"confidence":0.9380437,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11477731168270112},{"word":"yeah","start":1781.11,"end":1781.61,"confidence":0.98177433,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10235455632209778},{"word":"well","start":1784.695,"end":1784.855,"confidence":0.77674675,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.05898776650428772},{"word":"i","start":1784.855,"end":1785.015,"confidence":0.98590106,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09177205711603165},{"word":"think","start":1785.015,"end":1785.1749,"confidence":0.98869413,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.08364060521125793},{"word":"yeah","start":1785.335,"end":1785.575,"confidence":0.99670184,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07027266919612885},{"word":"i'll","start":1785.575,"end":1785.815,"confidence":0.7882792,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.04375238344073296},{"word":"probably","start":1785.815,"end":1786.135,"confidence":0.9861877,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.05932105332612991},{"word":"just","start":1786.135,"end":1786.455,"confidence":0.9965617,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03133874014019966},{"word":"leave","start":1786.455,"end":1786.695,"confidence":0.9780272,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.020786724984645844},{"word":"it","start":1786.695,"end":1786.855,"confidence":0.9942825,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.003860782831907272},{"word":"where","start":1786.855,"end":1787.015,"confidence":0.9818677,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.012895889580249786},{"word":"it","start":1787.015,"end":1787.095,"confidence":0.9305302,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.010120049118995668},{"word":"is","start":1787.095,"end":1787.335,"confidence":0.7107071,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.0099208801984787},{"word":"but","start":1787.335,"end":1787.835,"confidence":0.7041064,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.010437557473778725},{"word":"the","start":1788.855,"end":1789.015,"confidence":0.8903571,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.011171944439411163},{"word":"current","start":1789.015,"end":1789.415,"confidence":0.891675,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.0035858415067195892},{"word":"time","start":1789.415,"end":1789.915,"confidence":0.51877254,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.028681742027401924},{"word":"yep","start":1802.1,"end":1802.6,"confidence":0.89329267,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16151008009910583},{"word":"yeah","start":1810.9,"end":1811.14,"confidence":0.9186975,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04695785045623779},{"word":"okay","start":1811.14,"end":1811.64,"confidence":0.7334556,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.029043929651379585},{"word":"and","start":1830.8201,"end":1830.98,"confidence":0.53229326,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.07237085700035095},{"word":"yeah","start":1830.98,"end":1831.48,"confidence":0.7427299,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.09478051960468292},{"word":"i'll","start":1831.54,"end":1831.7001,"confidence":0.93086994,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08732723444700241},{"word":"i'll","start":1831.7001,"end":1831.9401,"confidence":0.98854005,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09193643182516098},{"word":"get","start":1831.9401,"end":1832.18,"confidence":0.94289833,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07346903532743454},{"word":"the","start":1832.18,"end":1832.5801,"confidence":0.9594045,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10169076919555664},{"word":"it'll","start":1832.8201,"end":1833.06,"confidence":0.6113413,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.09168534725904463},{"word":"be","start":1833.06,"end":1833.3,"confidence":0.9843925,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11307355016469955},{"word":"just","start":1833.3,"end":1833.62,"confidence":0.9968611,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1096373200416565},{"word":"the","start":1833.62,"end":1833.78,"confidence":0.9410066,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11288625001907349},{"word":"same","start":1833.78,"end":1834.18,"confidence":0.54828703,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.09995423257350922},{"word":"as","start":1834.18,"end":1834.42,"confidence":0.9688723,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10925911366939545},{"word":"what","start":1834.42,"end":1834.8201,"confidence":0.8114703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10781444609165192},{"word":"the","start":1834.9,"end":1835.14,"confidence":0.9902007,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09929058700799942},{"word":"newsletter","start":1835.14,"end":1835.64,"confidence":0.7454946,"punctuated_word":"newsletter","sentiment":"neutral","sentiment_score":0.06916934251785278},{"word":"and","start":1835.7001,"end":1835.86,"confidence":0.9934622,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07294775545597076},{"word":"everything","start":1835.86,"end":1836.36,"confidence":0.8489997,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.0669415071606636},{"word":"yes","start":1844.475,"end":1844.955,"confidence":0.77720886,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.044173888862133026},{"word":"yes","start":1844.955,"end":1845.455,"confidence":0.6965189,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.029452525079250336},{"word":"okay","start":1852.155,"end":1852.655,"confidence":0.83615744,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2845996618270874},{"word":"not","start":1877.3351,"end":1877.5751,"confidence":0.40203395,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.09072419255971909},{"word":"really","start":1877.5751,"end":1878.055,"confidence":0.82806915,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.0821763202548027},{"word":"yeah","start":1878.055,"end":1878.555,"confidence":0.7092602,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.019136514514684677},{"word":"it's","start":1879.175,"end":1879.3351,"confidence":0.39709765,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.05868431180715561},{"word":"just","start":1879.3351,"end":1879.655,"confidence":0.4134966,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.01382829248905182},{"word":"both","start":1879.655,"end":1879.895,"confidence":0.744909,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.020416773855686188},{"word":"of","start":1879.895,"end":1880.055,"confidence":0.98841536,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02813497930765152},{"word":"us","start":1880.055,"end":1880.2151,"confidence":0.9889333,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.010118484497070312},{"word":"to","start":1880.2151,"end":1880.375,"confidence":0.88244104,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04178525134921074},{"word":"just","start":1880.375,"end":1880.6951,"confidence":0.99608886,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.018264643847942352},{"word":"knock","start":1880.6951,"end":1880.935,"confidence":0.90652066,"punctuated_word":"knock","sentiment":"neutral","sentiment_score":-0.03446335345506668},{"word":"on","start":1880.935,"end":1881.0951,"confidence":0.98647994,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.038305386900901794},{"word":"down","start":1881.0951,"end":1881.5951,"confidence":0.9478544,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.004100572317838669},{"word":"sort","start":1883.93,"end":1884.17,"confidence":0.49350664,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.05056597664952278},{"word":"of","start":1884.17,"end":1884.3301,"confidence":0.9524663,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04910850152373314},{"word":"thing","start":1884.3301,"end":1884.65,"confidence":0.8426532,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.050006456673145294},{"word":"yeah","start":1884.65,"end":1885.15,"confidence":0.9227198,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06896920502185822},{"word":"but","start":1888.25,"end":1888.65,"confidence":0.2728068,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.16152846813201904},{"word":"as","start":1888.65,"end":1888.81,"confidence":0.61771804,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13170340657234192},{"word":"i","start":1888.81,"end":1888.9701,"confidence":0.9901092,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1205619052052498},{"word":"say","start":1888.9701,"end":1889.29,"confidence":0.7460036,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.13648313283920288},{"word":"is","start":1889.29,"end":1889.4501,"confidence":0.28989282,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1342041790485382},{"word":"that","start":1889.4501,"end":1889.6901,"confidence":0.58847827,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1710733324289322},{"word":"because","start":1889.6901,"end":1890.1901,"confidence":0.7055761,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.22003698348999023},{"word":"my","start":1890.3301,"end":1890.65,"confidence":0.3913117,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.2855840027332306},{"word":"wife's","start":1890.65,"end":1890.9701,"confidence":0.9475133,"punctuated_word":"wife's","sentiment":"neutral","sentiment_score":0.28176259994506836},{"word":"with","start":1890.9701,"end":1891.2101,"confidence":0.97545433,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2765914797782898},{"word":"you","start":1891.2101,"end":1891.37,"confidence":0.99218833,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.345906525850296},{"word":"guys","start":1891.37,"end":1891.6901,"confidence":0.9928515,"punctuated_word":"guys","sentiment":"positive","sentiment_score":0.36758217215538025},{"word":"as","start":1891.6901,"end":1891.8501,"confidence":0.99553347,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3082021474838257},{"word":"well","start":1891.8501,"end":1892.0901,"confidence":0.7442068,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2856414318084717},{"word":"so","start":1892.0901,"end":1892.17,"confidence":0.99396825,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2181960940361023},{"word":"i","start":1892.17,"end":1892.25,"confidence":0.24980828,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.35377219319343567},{"word":"have","start":1892.25,"end":1892.4901,"confidence":0.40656734,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.29856765270233154},{"word":"no","start":1892.4901,"end":1892.65,"confidence":0.9604511,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.20553995668888092},{"word":"doubt","start":1892.65,"end":1892.9701,"confidence":0.98202676,"punctuated_word":"doubt","sentiment":"neutral","sentiment_score":0.1797502338886261},{"word":"easily","start":1892.9701,"end":1893.4701,"confidence":0.25231576,"punctuated_word":"easily","sentiment":"neutral","sentiment_score":0.28579244017601013},{"word":"talking","start":1894.01,"end":1894.3301,"confidence":0.4510519,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.20450350642204285},{"word":"to","start":1894.3301,"end":1894.4901,"confidence":0.991052,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2001628279685974},{"word":"her","start":1894.4901,"end":1894.7301,"confidence":0.99784625,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.17094416916370392},{"word":"in","start":1894.7301,"end":1894.9701,"confidence":0.98067504,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1925174444913864},{"word":"the","start":1894.9701,"end":1895.05,"confidence":0.99787045,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22284960746765137},{"word":"next","start":1895.05,"end":1895.55,"confidence":0.9666334,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.16674640774726868},{"word":"couple","start":1896.885,"end":1897.085,"confidence":0.94868827,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.10319480299949646},{"word":"of","start":1897.085,"end":1897.285,"confidence":0.5389793,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15746162831783295},{"word":"days","start":1897.285,"end":1897.685,"confidence":0.9977331,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.12945076823234558},{"word":"or","start":1897.685,"end":1898.185,"confidence":0.9629657,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.12195947021245956},{"word":"weeks","start":1899.785,"end":1900.285,"confidence":0.8510825,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":0.13000547885894775},{"word":"so","start":1901.885,"end":1902.385,"confidence":0.9021778,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0247397068887949},{"word":"and","start":1906.0851,"end":1906.3251,"confidence":0.9615969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07729236781597137},{"word":"normally","start":1906.3251,"end":1906.8251,"confidence":0.5798569,"punctuated_word":"normally,","sentiment":"neutral","sentiment_score":0.11118252575397491},{"word":"she's","start":1906.885,"end":1907.2051,"confidence":0.9207697,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.07994842529296875},{"word":"monday","start":1907.2051,"end":1907.6051,"confidence":0.97757494,"punctuated_word":"Monday","sentiment":"neutral","sentiment_score":0.0636386051774025},{"word":"because","start":1907.6051,"end":1907.8451,"confidence":0.7804824,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.07418602705001831},{"word":"she's","start":1907.8451,"end":1908.165,"confidence":0.75764817,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.06598567962646484},{"word":"she's","start":1908.165,"end":1908.405,"confidence":0.97686744,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.07190590351819992},{"word":"in","start":1908.405,"end":1908.5651,"confidence":0.98880494,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.056981973350048065},{"word":"the","start":1908.5651,"end":1908.7251,"confidence":0.97763556,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08212044090032578},{"word":"office","start":1908.7251,"end":1909.2051,"confidence":0.99965453,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.044632770121097565},{"word":"on","start":1909.2051,"end":1909.365,"confidence":0.9992828,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06479848176240921},{"word":"a","start":1909.365,"end":1909.525,"confidence":0.9955114,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07851850241422653},{"word":"monday","start":1909.525,"end":1910.025,"confidence":0.74162585,"punctuated_word":"Monday.","sentiment":"neutral","sentiment_score":0.037472598254680634},{"word":"but","start":1911.0599,"end":1911.2999,"confidence":0.8117157,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05574224144220352},{"word":"she","start":1911.2999,"end":1911.46,"confidence":0.9924338,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.0561242550611496},{"word":"does","start":1911.46,"end":1911.7799,"confidence":0.9835437,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.05590374022722244},{"word":"all","start":1911.7799,"end":1911.94,"confidence":0.9780529,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.060166046023368835},{"word":"the","start":1911.94,"end":1912.0199,"confidence":0.47851968,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04383159428834915},{"word":"accounts","start":1912.0199,"end":1912.5,"confidence":0.8782101,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.03934306651353836},{"word":"monday","start":1912.5,"end":1913.0,"confidence":0.64455026,"punctuated_word":"Monday.","sentiment":"neutral","sentiment_score":0.04710734263062477},{"word":"so","start":1914.8999,"end":1914.98,"confidence":0.9664579,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10857885330915452},{"word":"yeah","start":1915.0599,"end":1915.38,"confidence":0.982108,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.12775661051273346},{"word":"so","start":1915.38,"end":1915.7,"confidence":0.9717075,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11302823573350906},{"word":"i'd","start":1915.7,"end":1915.7799,"confidence":0.5681153,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.13812893629074097},{"word":"say","start":1915.7799,"end":1916.2799,"confidence":0.5390138,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.1421327441930771},{"word":"probably","start":1916.8999,"end":1917.2999,"confidence":0.59887105,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.1603221297264099},{"word":"like","start":1917.2999,"end":1917.5399,"confidence":0.32836175,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.14226095378398895},{"word":"to","start":1917.5399,"end":1917.7,"confidence":0.28970164,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12126921117305756},{"word":"do","start":1917.7,"end":1918.2,"confidence":0.7812842,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09304916113615036},{"word":"some","start":1918.34,"end":1918.82,"confidence":0.9491915,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08762228488922119},{"word":"yeah","start":1918.8999,"end":1919.38,"confidence":0.9066589,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1009097546339035},{"word":"monday","start":1919.38,"end":1919.7799,"confidence":0.9964882,"punctuated_word":"Monday","sentiment":"neutral","sentiment_score":0.07064270228147507},{"word":"or","start":1919.7799,"end":1919.86,"confidence":0.43525967,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08344466984272003},{"word":"the","start":1919.86,"end":1920.0199,"confidence":0.9806152,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08063904196023941},{"word":"next","start":1920.0199,"end":1920.5199,"confidence":0.99231553,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.08026587218046188},{"word":"fortnight","start":1920.74,"end":1921.22,"confidence":0.97914577,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.07766327261924744},{"word":"or","start":1921.22,"end":1921.38,"confidence":0.92262787,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08324399590492249},{"word":"so","start":1921.38,"end":1921.88,"confidence":0.8775251,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.09924359619617462},{"word":"okay","start":1937.3049,"end":1937.8049,"confidence":0.93325,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.4471772015094757},{"word":"yep","start":1946.09,"end":1946.59,"confidence":0.9626038,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14676982164382937},{"word":"yeah","start":1953.21,"end":1953.53,"confidence":0.922856,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1060141548514366},{"word":"it","start":1953.53,"end":1953.69,"confidence":0.6238883,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.19893023371696472},{"word":"was","start":1953.69,"end":1953.85,"confidence":0.91501373,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.18135148286819455},{"word":"that's","start":1953.93,"end":1954.25,"confidence":0.799364,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1945531815290451},{"word":"definitely","start":1954.25,"end":1954.75,"confidence":0.91376185,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.214240163564682},{"word":"something","start":1954.81,"end":1955.21,"confidence":0.7893544,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.18700450658798215},{"word":"to","start":1955.21,"end":1955.29,"confidence":0.2782731,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.186932772397995},{"word":"look","start":1955.29,"end":1955.45,"confidence":0.8512092,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.14928452670574188},{"word":"into","start":1955.45,"end":1955.95,"confidence":0.9650019,"punctuated_word":"into.","sentiment":"neutral","sentiment_score":0.1879329085350037},{"word":"yep","start":1966.4249,"end":1966.9249,"confidence":0.9967022,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1879444122314453},{"word":"yeah","start":1972.04,"end":1972.44,"confidence":0.7176968,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1602466106414795},{"word":"for","start":1972.44,"end":1972.76,"confidence":0.45050952,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.16617968678474426},{"word":"sure","start":1972.76,"end":1973.26,"confidence":0.99798846,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.22219303250312805},{"word":"i'm","start":1979.4,"end":1979.64,"confidence":0.55969733,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0556623712182045},{"word":"not","start":1979.64,"end":1979.7999,"confidence":0.9439757,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04081316664814949},{"word":"right","start":1979.7999,"end":1980.04,"confidence":0.4807358,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.04210821911692619},{"word":"now","start":1980.04,"end":1980.54,"confidence":0.86098754,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.05451168119907379},{"word":"yep","start":1991.105,"end":1991.605,"confidence":0.98514915,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1801261156797409},{"word":"okay","start":2007.65,"end":2008.15,"confidence":0.937264,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2895136773586273},{"word":"no","start":2013.289,"end":2013.5289,"confidence":0.9020323,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.19439354538917544},{"word":"i'm","start":2013.5289,"end":2013.7689,"confidence":0.94789875,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2264566868543625},{"word":"probably","start":2013.7689,"end":2014.2489,"confidence":0.3809671,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.24916227161884308},{"word":"sitting","start":2014.2489,"end":2014.4889,"confidence":0.35454157,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.24695590138435364},{"word":"there","start":2014.4889,"end":2014.7289,"confidence":0.30317742,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.22623929381370544},{"word":"go","start":2014.7289,"end":2014.8889,"confidence":0.43897396,"punctuated_word":"Go","sentiment":"neutral","sentiment_score":-0.07520104944705963},{"word":"ahead","start":2014.8889,"end":2015.049,"confidence":0.99692243,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":-0.0236625075340271},{"word":"and","start":2015.049,"end":2015.1289,"confidence":0.87903565,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0675770491361618},{"word":"tell","start":2015.1289,"end":2015.3689,"confidence":0.95457757,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":-0.0065260231494903564},{"word":"him","start":2015.3689,"end":2015.4489,"confidence":0.47285512,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.06389973312616348},{"word":"what","start":2015.4489,"end":2015.5289,"confidence":0.846296,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05995138734579086},{"word":"billing","start":2015.5289,"end":2015.929,"confidence":0.5117898,"punctuated_word":"billing","sentiment":"neutral","sentiment_score":0.04192718863487244},{"word":"to","start":2015.929,"end":2016.2489,"confidence":0.8053569,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06153492629528046},{"word":"alright","start":2018.8889,"end":2019.289,"confidence":0.7713611,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.1049063354730606},{"word":"thanks","start":2019.289,"end":2019.6089,"confidence":0.95980805,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.5796847939491272},{"word":"a","start":2019.6089,"end":2019.7689,"confidence":0.9714624,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19486120343208313},{"word":"lot","start":2019.7689,"end":2020.2489,"confidence":0.99570465,"punctuated_word":"lot.","sentiment":"neutral","sentiment_score":0.15914186835289},{"word":"alright","start":2020.2489,"end":2020.5688,"confidence":0.59556466,"punctuated_word":"Alright,","sentiment":"neutral","sentiment_score":0.18903259932994845},{"word":"guys","start":2020.5688,"end":2020.809,"confidence":0.9941313,"punctuated_word":"guys.","sentiment":"neutral","sentiment_score":0.3129710555076599},{"word":"bye","start":2020.809,"end":2020.9689,"confidence":0.9852077,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.1743420660495758},{"word":"bye","start":2020.9689,"end":2021.4689,"confidence":0.8376135,"punctuated_word":"bye.","sentiment":"neutral","sentiment_score":-0.12773403525352478}],"paragraphs":{"transcript":"\nHello? Good morning, sir. Hello? Good call there. You might Yeah, mate.\n\nYeah. Daniel Mullins. So that's the 5981. And eighty three Mossman's Lane, Menildra. Yep.\n\nYep. That's right. Yeah. I can. Yep.\n\nAlright. So it's 0428 387 08 four. Yep. That's fine. Yeah, mate.\n\nYep. Yep. Yeah. Yes. No.\n\nI haven't changed. I still haven't. Yeah. Okay. And on Beyond, 2021, I think it was, or 2020.\n\nYeah. Made on and off since I was 18. So yeah. Yeah. Yep.\n\nForty forty odd forty five. Around that. Yeah. And I hadn't really changed the water. If it did, it wouldn't have been much.\n\nWell, fuel because I'm busy in weeks, fuel would be 300 to 400. Saving me, I'm not totally sure. Well, everything we got everything we got, and then go straight off into more bank. And then yeah. She does.\n\nYeah. Yeah. And then once I get, like which I'm yet to. Like, once my account builds up to what it is at the moment, I usually just take a whack off the health plan. Yeah.\n\nWell, yeah, I'd have I've actually got a mate to chat on Monday. I'm pretty sure. So I'd I'd get yet to speak to he's got he's been with us for the last two years, and I'm yet to meet him. So yeah. Possibly, yeah.\n\nYeah. Yeah. For sure. Yeah. Yeah.\n\nOn the old house? That's right. Yeah. I think it'd be still around at 4, maybe $4.04 50 probably maybe now. No.\n\nNo. Yeah. No. It's been been ran to the right. Yep.\n\nYep. Well, $700,007.30 or 40 build on the price was $2.50. So yeah. I suppose it'd be close to a million. 700, I think.\n\nYeah. Mate, but but probably the late sevens. Okay. I didn't we didn't speak to anyone. We just did not going with the bank.\n\nBrianna was with, and I, yeah, met met them and then had a meeting and then, yeah, they approved it, I think, a couple of weeks later. Hello? Okay. Yep. Yeah.\n\nOkay. It might be something we need to look into. Yeah. We you're right. Yeah.\n\nFor sure. Yep. Okay. Yeah. Yeah.\n\nIt's taken the the escalator model is deteriorated a bit now. I've put a few noise on it, but No. No. It's paid off. $1.40.\n\nOh, that's the sailing. Yeah. No. No. It's just yeah.\n\nThat's just my everyday account. And I I don't yeah. I don't gain any interest on it. I think because it's always up and down and that's good everything. Yeah.\n\nSorry. Yeah. Yes. Yep. Yeah.\n\nI think it's yeah. Around that four $5.04, possibly. I think I thought she mentioned it the other day. Yep. Okay.\n\nYeah. Yeah. It's odd. Yep. Yeah.\n\nWell, that's for what? No. No. No. No.\n\nWe don't. No. No. I haven't. I was actually only woke up this morning and thought about that or yesterday morning.\n\nYep. Yeah. Yep. Yeah. I have looked at them at the end.\n\nSort of didn't elaborate on a lot of things that it was sent. Yep. Well, that's all of it. Yep. Yes.\n\nYep. Yep. Yep. Oh, okay. Yes.\n\nYeah. Yeah. Yeah. That's alright. Yep.\n\nYeah. It's cool. Never actually knew that. Yeah. Yep.\n\nYeah. It would not extend. No. No. Yeah.\n\nYeah. I think next thing is be well, get a bigger machine. Sort of and I'm not, yeah, in and out of the truck load. Yeah. That was probably on the next that was one thing on the to do this in the next sort of couple of years.\n\nThat's right. No. Not at this stage. That's yeah. Probably just upgrade the truck and, yeah, bigger probably a bigger machine to a bit more weather likely that rather than sitting in the open cab.\n\nAll all the hot dogs are sitting there. Connor. No. Sorry. I got off just a minute with the machine.\n\nProbably more on the moderate, I think. I would imagine. I I reckon. Yeah. Yes.\n\nYeah. That's a hard one. Is it real signs if it ever crashed? Yeah. I think so.\n\nI have to talk to someone like you guys, I reckon, and I'll get the best advice, like, if it was because it was a bit nuts. Not extremely. No. Yeah. Thought it was always gonna be a lot at the end.\n\nBut, yeah, this was probably was I don't know what's gonna happen with ours. Yeah. That's right. Yeah. I think, like yeah.\n\nPotentially. Yeah. Like, one like I said, like you said, main thing is we get rid of that house loan. We'll get it down. And then, yeah, if we'll sit down well, yeah, I would definitely.\n\nYep. Yeah. Yeah. Yep. Yep.\n\nYeah. That's right. Yep. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Okay. Yeah. Yeah.\n\nIt does. Yeah. I know. That one. Yep.\n\nYeah. Yeah. Sounds a little bit. Yeah. Yep.\n\nWhat what would you what what would you recommend? Yeah. Well, I've done it. I've done anything in the next sort of twelve months. He's gonna settle settle down, is it?\n\nLike, with the walls on time. Yeah. Yeah. True. Yeah.\n\nYep. Yep. Yeah. No. Definitely not.\n\nYeah. Yeah. I'll probably start then with the log what you're saying the log restart. If it's just poking along, it's better than yeah. Yep.\n\nYep. Sure. I lost it. Yep. That's it.\n\nCorrect. Yep. Oh, I have got I have got income protection. I had to do that to get to, like, a business in town. So I that that was one of their requirements.\n\nI think it's a proper policy. Yeah. And I think I'm locked in to it to 2047 for memory. Like, I can opt out what I want, but so yeah. It's it's for me to get any work with this company or I have to be in one.\n\nYep. No. What? Yep. I'll probably I don't even know when I'm talking anytime soon.\n\nYes. Yes. Yeah. What would would that be a higher premium if if I did up that rate? Obviously, it would be.\n\nYep. Yeah. Yeah. I got. Yep.\n\nYeah. Well, I think yeah. I'll probably just leave it where it is, but the current time. Yep. Yeah.\n\nOkay. And, yeah, I'll I'll get the it'll be just the same as what the newsletter and everything. Yes. Yes. Okay.\n\nNot really. Yeah. It's just both of us to just knock on down sort of thing. Yeah. But as I say, is that because my wife's with you guys as well, so I have no doubt easily talking to her in the next couple of days or weeks.\n\nSo and normally, she's Monday because she's she's in the office on a Monday. But she does all the accounts Monday. So yeah. So I'd say probably like to do some yeah. Monday or the next fortnight or so.\n\nOkay. Yep. Yeah. It was that's definitely something to look into. Yep.\n\nYeah. For sure. I'm not right now. Yep. Okay.\n\nNo. I'm probably sitting there. Go ahead and tell him what billing to alright. Thanks a lot. Alright, guys.\n\nBye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.024542024359107018},{"text":"Good morning, sir.","start":2.6399999,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.267349307735761},{"text":"Hello?","start":4.48,"end":4.98,"sentiment":"neutral","sentiment_score":0.09661053121089937},{"text":"Good call there.","start":6.16,"end":6.7999997,"sentiment":"positive","sentiment_score":0.4324934085210164},{"text":"You might Yeah, mate.","start":6.7999997,"end":14.08,"sentiment":"neutral","sentiment_score":0.2094465047121048}],"sentiment":"neutral","sentiment_score":0.2548722269323965,"num_words":12,"start":0.88,"end":14.08},{"sentences":[{"text":"Yeah.","start":14.08,"end":14.58,"sentiment":"neutral","sentiment_score":0.33224087953567505},{"text":"Daniel Mullins.","start":22.625,"end":23.525,"sentiment":"neutral","sentiment_score":0.03562014177441597},{"text":"So that's the 5981.","start":23.985,"end":26.085,"sentiment":"neutral","sentiment_score":0.05552512872964144},{"text":"And eighty three Mossman's Lane, Menildra.","start":26.785,"end":29.365,"sentiment":"neutral","sentiment_score":0.06342240609228611},{"text":"Yep.","start":56.704998,"end":57.204998,"sentiment":"neutral","sentiment_score":0.04402809590101242}],"sentiment":"neutral","sentiment_score":0.07501030074698585,"num_words":14,"start":14.08,"end":57.204998},{"sentences":[{"text":"Yep.","start":70.43,"end":70.83,"sentiment":"neutral","sentiment_score":0.051389820873737335},{"text":"That's right.","start":70.83,"end":71.65,"sentiment":"neutral","sentiment_score":0.10499362275004388},{"text":"Yeah.","start":80.285,"end":80.525,"sentiment":"neutral","sentiment_score":-0.006093800999224186},{"text":"I can.","start":80.525,"end":81.265,"sentiment":"neutral","sentiment_score":0.003902159631252289},{"text":"Yep.","start":81.325,"end":81.825,"sentiment":"neutral","sentiment_score":0.01787889376282692}],"sentiment":"neutral","sentiment_score":0.040138068342847485,"num_words":7,"start":70.43,"end":81.825},{"sentences":[{"text":"Alright.","start":82.685,"end":83.005,"sentiment":"neutral","sentiment_score":0.053389813750982285},{"text":"So it's 0428 387 08 four.","start":83.005,"end":97.72,"sentiment":"neutral","sentiment_score":0.01848023012280464},{"text":"Yep.","start":98.659996,"end":99.159996,"sentiment":"neutral","sentiment_score":0.036249928176403046},{"text":"That's fine.","start":99.94,"end":100.84,"sentiment":"neutral","sentiment_score":0.09852445498108864},{"text":"Yeah, mate.","start":104.965004,"end":105.705,"sentiment":"neutral","sentiment_score":0.09014490246772766}],"sentiment":"neutral","sentiment_score":0.04815498646348715,"num_words":12,"start":82.685,"end":105.705},{"sentences":[{"text":"Yep.","start":105.765,"end":106.265,"sentiment":"neutral","sentiment_score":0.08825920522212982},{"text":"Yep.","start":112.965004,"end":113.465004,"sentiment":"neutral","sentiment_score":0.05876901745796203},{"text":"Yeah.","start":115.685,"end":116.185,"sentiment":"neutral","sentiment_score":0.02092912048101425},{"text":"Yes.","start":116.67,"end":117.17,"sentiment":"neutral","sentiment_score":0.05230490863323212},{"text":"No.","start":118.21,"end":118.71,"sentiment":"neutral","sentiment_score":0.0427795872092247}],"sentiment":"neutral","sentiment_score":0.05260836780071258,"num_words":5,"start":105.765,"end":118.71},{"sentences":[{"text":"I haven't changed.","start":119.75,"end":123.33,"sentiment":"neutral","sentiment_score":-0.01334334909915924},{"text":"I still haven't.","start":125.31,"end":127.73,"sentiment":"neutral","sentiment_score":-0.05257954324285189},{"text":"Yeah.","start":129.295,"end":129.795,"sentiment":"neutral","sentiment_score":0.031323906034231186},{"text":"Okay.","start":140.33499,"end":140.655,"sentiment":"neutral","sentiment_score":0.02443009614944458},{"text":"And on Beyond, 2021, I think it was, or 2020.","start":140.655,"end":146.40999,"sentiment":"neutral","sentiment_score":0.01858259355649352}],"sentiment":"neutral","sentiment_score":0.0024339589290320873,"num_words":18,"start":119.75,"end":146.40999},{"sentences":[{"text":"Yeah.","start":148.79,"end":149.29,"sentiment":"neutral","sentiment_score":0.023560013622045517},{"text":"Made on and off since I was 18.","start":151.82999,"end":154.65,"sentiment":"neutral","sentiment_score":0.03743635443970561},{"text":"So yeah.","start":154.70999,"end":159.395,"sentiment":"neutral","sentiment_score":0.12759238854050636},{"text":"Yeah.","start":159.935,"end":160.335,"sentiment":"neutral","sentiment_score":0.12341216206550598},{"text":"Yep.","start":160.335,"end":160.835,"sentiment":"neutral","sentiment_score":0.11473974585533142}],"sentiment":"neutral","sentiment_score":0.06279904108781081,"num_words":13,"start":148.79,"end":160.835},{"sentences":[{"text":"Forty forty odd forty five.","start":177.3,"end":179.72,"sentiment":"neutral","sentiment_score":0.023053168132901192},{"text":"Around that.","start":182.835,"end":184.93501,"sentiment":"neutral","sentiment_score":0.16215066611766815},{"text":"Yeah.","start":188.11502,"end":188.61502,"sentiment":"neutral","sentiment_score":0.01240449585020542},{"text":"And I hadn't really changed the water.","start":191.79501,"end":193.55501,"sentiment":"neutral","sentiment_score":-0.08477307057806424},{"text":"If it did, it wouldn't have been much.","start":193.55501,"end":195.41501,"sentiment":"neutral","sentiment_score":-0.03195776848588139}],"sentiment":"neutral","sentiment_score":-0.017265303181889263,"num_words":23,"start":177.3,"end":195.41501},{"sentences":[{"text":"Well, fuel because I'm busy in weeks, fuel would be 300 to 400.","start":216.255,"end":223.075,"sentiment":"neutral","sentiment_score":-0.0763263596365085},{"text":"Saving me, I'm not totally sure.","start":227.63,"end":230.53001,"sentiment":"neutral","sentiment_score":-0.15151531249284744},{"text":"Well, everything we got everything we got, and then go straight off into more bank.","start":234.59001,"end":239.95001,"sentiment":"neutral","sentiment_score":-0.086027047286431},{"text":"And then yeah.","start":239.95001,"end":241.97,"sentiment":"neutral","sentiment_score":-0.0031250479320685067},{"text":"She does.","start":248.085,"end":248.80501,"sentiment":"neutral","sentiment_score":0.010972093790769577}],"sentiment":"neutral","sentiment_score":-0.08151721066007248,"num_words":39,"start":216.255,"end":248.80501},{"sentences":[{"text":"Yeah.","start":248.80501,"end":249.30501,"sentiment":"neutral","sentiment_score":-0.0008561089634895325},{"text":"Yeah.","start":249.68501,"end":250.005,"sentiment":"neutral","sentiment_score":0.003055775538086891},{"text":"And then once I get, like which I'm yet to.","start":250.005,"end":253.785,"sentiment":"neutral","sentiment_score":-0.020629349909722806},{"text":"Like, once my account builds up to what it is at the moment, I usually just take a whack off the health plan.","start":254.725,"end":261.8,"sentiment":"neutral","sentiment_score":-0.23917181951844174},{"text":"Yeah.","start":272.435,"end":272.935,"sentiment":"neutral","sentiment_score":0.06585808098316193}],"sentiment":"neutral","sentiment_score":-0.15664410001287857,"num_words":36,"start":248.80501,"end":272.935},{"sentences":[{"text":"Well, yeah, I'd have I've actually got a mate to chat on Monday.","start":277.31497,"end":281.735,"sentiment":"neutral","sentiment_score":0.11480279954580161},{"text":"I'm pretty sure.","start":283.47498,"end":284.275,"sentiment":"neutral","sentiment_score":0.09683424482742946},{"text":"So I'd I'd get yet to speak to he's got he's been with us for the last two years, and I'm yet to meet him.","start":284.275,"end":292.53,"sentiment":"neutral","sentiment_score":0.04817359045147896},{"text":"So yeah.","start":293.63,"end":294.61,"sentiment":"neutral","sentiment_score":0.07609037309885025},{"text":"Possibly, yeah.","start":295.07,"end":296.11,"sentiment":"neutral","sentiment_score":0.08587256632745266}],"sentiment":"neutral","sentiment_score":0.07358232819371753,"num_words":45,"start":277.31497,"end":296.11},{"sentences":[{"text":"Yeah.","start":296.11,"end":296.61,"sentiment":"neutral","sentiment_score":0.13458165526390076},{"text":"Yeah.","start":320.63,"end":321.03,"sentiment":"neutral","sentiment_score":0.00024436041712760925},{"text":"For sure.","start":321.03,"end":321.77002,"sentiment":"neutral","sentiment_score":0.010379765182733536},{"text":"Yeah.","start":335.775,"end":336.275,"sentiment":"neutral","sentiment_score":0.2671096622943878},{"text":"Yeah.","start":336.735,"end":337.235,"sentiment":"positive","sentiment_score":0.4101609885692597}],"sentiment":"neutral","sentiment_score":0.13880936615169048,"num_words":6,"start":296.11,"end":337.235},{"sentences":[{"text":"On the old house?","start":347.72,"end":348.94,"sentiment":"neutral","sentiment_score":-0.044494811445474625},{"text":"That's right.","start":352.04,"end":352.86,"sentiment":"neutral","sentiment_score":0.05363290011882782},{"text":"Yeah.","start":354.04,"end":354.36,"sentiment":"neutral","sentiment_score":0.07584095746278763},{"text":"I think it'd be still around at 4, maybe $4.04 50 probably maybe now.","start":354.36,"end":359.5,"sentiment":"neutral","sentiment_score":0.04008798434266022},{"text":"No.","start":364.385,"end":364.705,"sentiment":"negative","sentiment_score":-0.3425719141960144}],"sentiment":"neutral","sentiment_score":0.010172153569080612,"num_words":22,"start":347.72,"end":364.705},{"sentences":[{"text":"No.","start":364.705,"end":365.025,"sentiment":"negative","sentiment_score":-0.342936635017395},{"text":"Yeah.","start":365.025,"end":365.26498,"sentiment":"neutral","sentiment_score":-0.1838420927524567},{"text":"No.","start":365.26498,"end":365.76498,"sentiment":"negative","sentiment_score":-0.399758517742157},{"text":"It's been been ran to the right.","start":366.305,"end":369.445,"sentiment":"neutral","sentiment_score":-0.28379410931042265},{"text":"Yep.","start":377.39,"end":377.87003,"sentiment":"neutral","sentiment_score":0.1491820216178894}],"sentiment":"neutral","sentiment_score":-0.2512649080970071,"num_words":11,"start":364.705,"end":377.87003},{"sentences":[{"text":"Yep.","start":377.87003,"end":378.37003,"sentiment":"neutral","sentiment_score":0.12489072978496552},{"text":"Well, $700,007.30 or 40 build on the price was $2.50.","start":383.71002,"end":391.13498,"sentiment":"neutral","sentiment_score":0.07421788349747657},{"text":"So yeah.","start":391.13498,"end":394.01498,"sentiment":"neutral","sentiment_score":0.10635297372937202},{"text":"I suppose it'd be close to a million.","start":394.01498,"end":397.005,"sentiment":"neutral","sentiment_score":0.1080681886523962},{"text":"700, I think.","start":407.22,"end":408.76,"sentiment":"neutral","sentiment_score":0.021895768741766613}],"sentiment":"neutral","sentiment_score":0.08375034698595603,"num_words":24,"start":377.87003,"end":408.76},{"sentences":[{"text":"Yeah.","start":412.26,"end":412.76,"sentiment":"neutral","sentiment_score":0.06416526436805725},{"text":"Mate, but but probably the late sevens.","start":414.66,"end":416.9,"sentiment":"neutral","sentiment_score":0.0015628933906555171},{"text":"Okay.","start":416.9,"end":417.4,"sentiment":"neutral","sentiment_score":0.07723076641559601},{"text":"I didn't we didn't speak to anyone.","start":429.66498,"end":431.345,"sentiment":"neutral","sentiment_score":-0.181426825267928},{"text":"We just did not going with the bank.","start":431.345,"end":434.27,"sentiment":"neutral","sentiment_score":-0.18998573161661625}],"sentiment":"neutral","sentiment_score":-0.109897389387091,"num_words":24,"start":412.26,"end":434.27},{"sentences":[{"text":"Brianna was with, and I, yeah, met met them and then had a meeting and then, yeah, they approved it, I think, a couple of weeks later.","start":434.97,"end":443.95,"sentiment":"neutral","sentiment_score":0.022678481138966703},{"text":"Hello?","start":465.27,"end":465.77,"sentiment":"neutral","sentiment_score":0.027094176039099693},{"text":"Okay.","start":477.435,"end":477.935,"sentiment":"neutral","sentiment_score":0.0743320882320404},{"text":"Yep.","start":485.755,"end":486.255,"sentiment":"neutral","sentiment_score":0.08033911138772964},{"text":"Yeah.","start":487.035,"end":487.195,"sentiment":"neutral","sentiment_score":0.04033711552619934}],"sentiment":"neutral","sentiment_score":0.026916821997973225,"num_words":31,"start":434.97,"end":487.195},{"sentences":[{"text":"Okay.","start":487.195,"end":487.435,"sentiment":"neutral","sentiment_score":0.012566417455673218},{"text":"It might be something we need to look into.","start":487.435,"end":489.455,"sentiment":"neutral","sentiment_score":-0.07249983234537972},{"text":"Yeah.","start":502.98,"end":503.38,"sentiment":"neutral","sentiment_score":-0.014728739857673643},{"text":"We you're right.","start":503.38,"end":504.76,"sentiment":"neutral","sentiment_score":0.052449874579906464},{"text":"Yeah.","start":506.435,"end":506.755,"sentiment":"neutral","sentiment_score":0.17396089434623718}],"sentiment":"neutral","sentiment_score":-0.02155668636163076,"num_words":15,"start":487.195,"end":506.755},{"sentences":[{"text":"For sure.","start":506.755,"end":507.495,"sentiment":"neutral","sentiment_score":0.18749985098838806},{"text":"Yep.","start":513.235,"end":513.735,"sentiment":"neutral","sentiment_score":0.11276401579380035},{"text":"Okay.","start":515.555,"end":516.055,"sentiment":"neutral","sentiment_score":0.09668375551700592},{"text":"Yeah.","start":523.1,"end":523.6,"sentiment":"neutral","sentiment_score":0.016125904396176338},{"text":"Yeah.","start":524.38,"end":524.62,"sentiment":"neutral","sentiment_score":0.024589035660028458}],"sentiment":"neutral","sentiment_score":0.10419373555729787,"num_words":6,"start":506.755,"end":524.62},{"sentences":[{"text":"It's taken the the escalator model is deteriorated a bit now.","start":524.62,"end":528.54,"sentiment":"negative","sentiment_score":-0.4068975123492154},{"text":"I've put a few noise on it, but No.","start":528.54,"end":536.77496,"sentiment":"neutral","sentiment_score":-0.20362616082032522},{"text":"No.","start":536.77496,"end":537.175,"sentiment":"neutral","sentiment_score":-0.025243889540433884},{"text":"It's paid off.","start":537.175,"end":543.195,"sentiment":"neutral","sentiment_score":0.0771903016914924},{"text":"$1.40.","start":548.695,"end":549.51495,"sentiment":"neutral","sentiment_score":0.001225046580657363}],"sentiment":"neutral","sentiment_score":-0.24403824084438383,"num_words":25,"start":524.62,"end":549.51495},{"sentences":[{"text":"Oh, that's the sailing.","start":555.23004,"end":557.73004,"sentiment":"neutral","sentiment_score":0.0481710946187377},{"text":"Yeah.","start":561.71,"end":562.21,"sentiment":"neutral","sentiment_score":0.041476115584373474},{"text":"No.","start":566.685,"end":567.185,"sentiment":"neutral","sentiment_score":-0.14000923931598663},{"text":"No.","start":568.525,"end":568.84503,"sentiment":"neutral","sentiment_score":-0.16090449690818787},{"text":"It's just yeah.","start":568.84503,"end":569.98505,"sentiment":"neutral","sentiment_score":-0.16792540748914084}],"sentiment":"neutral","sentiment_score":-0.05705294646322727,"num_words":10,"start":555.23004,"end":569.98505},{"sentences":[{"text":"That's just my everyday account.","start":570.04504,"end":571.825,"sentiment":"neutral","sentiment_score":-0.13874104917049407},{"text":"And I I don't yeah.","start":574.36505,"end":577.16504,"sentiment":"neutral","sentiment_score":-0.14861068949103357},{"text":"I don't gain any interest on it.","start":577.16504,"end":579.15,"sentiment":"negative","sentiment_score":-0.375233782189233},{"text":"I think because it's always up and down and that's good everything.","start":579.31,"end":584.19,"sentiment":"neutral","sentiment_score":-0.16087284373740354},{"text":"Yeah.","start":584.19,"end":584.69,"sentiment":"neutral","sentiment_score":0.04767385497689247}],"sentiment":"neutral","sentiment_score":-0.1982065146168073,"num_words":30,"start":570.04504,"end":584.69},{"sentences":[{"text":"Sorry.","start":585.31,"end":585.81,"sentiment":"neutral","sentiment_score":-0.06828165054321289},{"text":"Yeah.","start":602.34503,"end":602.84503,"sentiment":"neutral","sentiment_score":0.09899713099002838},{"text":"Yes.","start":618.08,"end":618.58,"sentiment":"neutral","sentiment_score":0.12880918383598328},{"text":"Yep.","start":621.925,"end":622.425,"sentiment":"neutral","sentiment_score":0.0886993259191513},{"text":"Yeah.","start":634.28,"end":634.68,"sentiment":"neutral","sentiment_score":0.0441831536591053}],"sentiment":"neutral","sentiment_score":0.058481428772211075,"num_words":5,"start":585.31,"end":634.68},{"sentences":[{"text":"I think it's yeah.","start":634.68,"end":635.8,"sentiment":"neutral","sentiment_score":0.04953706171363592},{"text":"Around that four $5.04, possibly.","start":635.8,"end":639.26,"sentiment":"neutral","sentiment_score":0.05537612065672874},{"text":"I think I thought she mentioned it the other day.","start":640.44,"end":643.42,"sentiment":"neutral","sentiment_score":0.05110714137554169},{"text":"Yep.","start":651.685,"end":652.185,"sentiment":"neutral","sentiment_score":0.12635847926139832},{"text":"Okay.","start":664.81,"end":665.31,"sentiment":"neutral","sentiment_score":0.06243303418159485}],"sentiment":"neutral","sentiment_score":0.05594722749221893,"num_words":21,"start":634.68,"end":665.31},{"sentences":[{"text":"Yeah.","start":665.61,"end":665.93,"sentiment":"neutral","sentiment_score":0.003533078357577324},{"text":"Yeah.","start":665.93,"end":666.17004,"sentiment":"neutral","sentiment_score":-0.019925789907574657},{"text":"It's odd.","start":666.17004,"end":666.91003,"sentiment":"neutral","sentiment_score":-0.12596356123685837},{"text":"Yep.","start":673.16504,"end":673.66504,"sentiment":"neutral","sentiment_score":0.10048379749059676},{"text":"Yeah.","start":684.765,"end":685.005,"sentiment":"neutral","sentiment_score":0.08061333000659943}],"sentiment":"neutral","sentiment_score":-0.014537117754419645,"num_words":6,"start":665.61,"end":685.005},{"sentences":[{"text":"Well, that's for what?","start":685.005,"end":686.22504,"sentiment":"neutral","sentiment_score":0.04229425825178623},{"text":"No.","start":696.60004,"end":697.10004,"sentiment":"neutral","sentiment_score":-0.05047164857387543},{"text":"No.","start":702.795,"end":703.295,"sentiment":"neutral","sentiment_score":-0.046255700290203094},{"text":"No.","start":704.63495,"end":705.13495,"sentiment":"neutral","sentiment_score":0.040720075368881226},{"text":"No.","start":710.07495,"end":710.475,"sentiment":"neutral","sentiment_score":-0.16116806864738464}],"sentiment":"neutral","sentiment_score":-0.0059997886419296265,"num_words":8,"start":685.005,"end":710.475},{"sentences":[{"text":"We don't.","start":710.475,"end":711.21497,"sentiment":"neutral","sentiment_score":-0.1317877098917961},{"text":"No.","start":723.62,"end":723.7,"sentiment":"neutral","sentiment_score":-0.15753090381622314},{"text":"No.","start":723.7,"end":724.02,"sentiment":"neutral","sentiment_score":-0.1934162080287933},{"text":"I haven't.","start":724.02,"end":724.68,"sentiment":"neutral","sentiment_score":-0.17781588435173035},{"text":"I was actually only woke up this morning and thought about that or yesterday morning.","start":725.22003,"end":730.765,"sentiment":"neutral","sentiment_score":-0.07663909656306107}],"sentiment":"neutral","sentiment_score":-0.10094003565609455,"num_words":21,"start":710.475,"end":730.765},{"sentences":[{"text":"Yep.","start":730.825,"end":731.325,"sentiment":"neutral","sentiment_score":0.022505857050418857},{"text":"Yeah.","start":751.56,"end":752.06,"sentiment":"neutral","sentiment_score":0.025805490091443065},{"text":"Yep.","start":756.175,"end":756.675,"sentiment":"neutral","sentiment_score":0.05716584622859955},{"text":"Yeah.","start":770.575,"end":771.075,"sentiment":"neutral","sentiment_score":0.004681229591369629},{"text":"I have looked at them at the end.","start":772.13,"end":774.07,"sentiment":"neutral","sentiment_score":-0.026062216376885772}],"sentiment":"neutral","sentiment_score":-0.008194942337771257,"num_words":12,"start":730.825,"end":774.07},{"sentences":[{"text":"Sort of didn't elaborate on a lot of things that it was sent.","start":774.93,"end":778.79004,"sentiment":"neutral","sentiment_score":-0.053890507095135175},{"text":"Yep.","start":794.735,"end":795.235,"sentiment":"neutral","sentiment_score":-0.08217811584472656},{"text":"Well, that's all of it.","start":800.52,"end":806.23004,"sentiment":"neutral","sentiment_score":-0.01969679370522499},{"text":"Yep.","start":820.015,"end":820.515,"sentiment":"neutral","sentiment_score":0.1674841344356537},{"text":"Yes.","start":827.59,"end":828.09,"sentiment":"neutral","sentiment_score":0.09744976460933684}],"sentiment":"neutral","sentiment_score":-0.02934784655060087,"num_words":21,"start":774.93,"end":828.09},{"sentences":[{"text":"Yep.","start":829.59,"end":830.09,"sentiment":"neutral","sentiment_score":0.17082786560058594},{"text":"Yep.","start":846.205,"end":846.705,"sentiment":"neutral","sentiment_score":0.022381998598575592},{"text":"Yep.","start":862.2,"end":862.51996,"sentiment":"neutral","sentiment_score":0.03222966939210892},{"text":"Oh, okay.","start":862.51996,"end":863.16,"sentiment":"neutral","sentiment_score":0.040228321217000484},{"text":"Yes.","start":863.16,"end":863.66,"sentiment":"neutral","sentiment_score":0.053394418209791183}],"sentiment":"neutral","sentiment_score":0.05988176570584377,"num_words":6,"start":829.59,"end":863.66},{"sentences":[{"text":"Yeah.","start":872.055,"end":872.375,"sentiment":"neutral","sentiment_score":0.013337844982743263},{"text":"Yeah.","start":872.375,"end":872.45496,"sentiment":"neutral","sentiment_score":0.03339838981628418},{"text":"Yeah.","start":872.45496,"end":872.615,"sentiment":"neutral","sentiment_score":0.03929569199681282},{"text":"That's alright.","start":872.615,"end":873.355,"sentiment":"neutral","sentiment_score":0.060747694224119186},{"text":"Yep.","start":881.82996,"end":882.32996,"sentiment":"neutral","sentiment_score":0.0017310406547039747}],"sentiment":"neutral","sentiment_score":0.034876392649797104,"num_words":6,"start":872.055,"end":882.32996},{"sentences":[{"text":"Yeah.","start":886.23,"end":886.73,"sentiment":"neutral","sentiment_score":0.16166165471076965},{"text":"It's cool.","start":886.79,"end":887.52997,"sentiment":"neutral","sentiment_score":0.24204345047473907},{"text":"Never actually knew that.","start":888.55,"end":890.08997,"sentiment":"neutral","sentiment_score":0.09942120313644409},{"text":"Yeah.","start":901.565,"end":902.065,"sentiment":"neutral","sentiment_score":0.06896218657493591},{"text":"Yep.","start":902.525,"end":903.025,"sentiment":"neutral","sentiment_score":0.08705472946166992}],"sentiment":"neutral","sentiment_score":0.13327225380473667,"num_words":9,"start":886.23,"end":903.025},{"sentences":[{"text":"Yeah.","start":905.9,"end":906.06006,"sentiment":"neutral","sentiment_score":-0.013215628452599049},{"text":"It would not extend.","start":906.06006,"end":908.96,"sentiment":"neutral","sentiment_score":-0.0280411746352911},{"text":"No.","start":918.7,"end":919.2,"sentiment":"neutral","sentiment_score":-0.05844953656196594},{"text":"No.","start":925.425,"end":925.925,"sentiment":"neutral","sentiment_score":0.0021039238199591637},{"text":"Yeah.","start":943.35,"end":943.85,"sentiment":"neutral","sentiment_score":0.04862184822559357}],"sentiment":"neutral","sentiment_score":-0.016638011438772082,"num_words":8,"start":905.9,"end":943.85},{"sentences":[{"text":"Yeah.","start":948.985,"end":949.38495,"sentiment":"neutral","sentiment_score":0.014446061104536057},{"text":"I think next thing is be well, get a bigger machine.","start":949.38495,"end":952.925,"sentiment":"neutral","sentiment_score":-0.010424220087853346},{"text":"Sort of and I'm not, yeah, in and out of the truck load.","start":954.50494,"end":958.665,"sentiment":"neutral","sentiment_score":-0.04249260646219437},{"text":"Yeah.","start":958.665,"end":958.985,"sentiment":"neutral","sentiment_score":0.005853134207427502},{"text":"That was probably on the next that was one thing on the to do this in the next sort of couple of years.","start":958.985,"end":966.13,"sentiment":"neutral","sentiment_score":0.017679918314451756}],"sentiment":"neutral","sentiment_score":-0.004900673233276727,"num_words":49,"start":948.985,"end":966.13},{"sentences":[{"text":"That's right.","start":967.39,"end":972.20996,"sentiment":"neutral","sentiment_score":0.06658348068594933},{"text":"No.","start":979.365,"end":979.845,"sentiment":"neutral","sentiment_score":-0.07879826426506042},{"text":"Not at this stage.","start":979.845,"end":980.725,"sentiment":"neutral","sentiment_score":-0.12317334860563278},{"text":"That's yeah.","start":980.725,"end":981.445,"sentiment":"neutral","sentiment_score":-0.020104840397834778},{"text":"Probably just upgrade the truck and, yeah, bigger probably a bigger machine to a bit more weather likely that rather than sitting in the open cab.","start":981.445,"end":992.27,"sentiment":"neutral","sentiment_score":0.0057425768329547}],"sentiment":"neutral","sentiment_score":-0.009406496584415436,"num_words":35,"start":967.39,"end":992.27},{"sentences":[{"text":"All all the hot dogs are sitting there.","start":999.29004,"end":1001.37,"sentiment":"neutral","sentiment_score":0.1606834139674902},{"text":"Connor.","start":1001.37,"end":1001.87,"sentiment":"neutral","sentiment_score":0.044907912611961365},{"text":"No.","start":1029.49,"end":1029.99,"sentiment":"neutral","sentiment_score":-0.03728300333023071},{"text":"Sorry.","start":1044.24,"end":1044.64,"sentiment":"neutral","sentiment_score":-0.08278369903564453},{"text":"I got off just a minute with the machine.","start":1044.64,"end":1047.94,"sentiment":"neutral","sentiment_score":-0.11718038800689909}],"sentiment":"neutral","sentiment_score":0.0077842514961957935,"num_words":20,"start":999.29004,"end":1047.94},{"sentences":[{"text":"Probably more on the moderate, I think.","start":1072.9099,"end":1074.4299,"sentiment":"neutral","sentiment_score":-0.057309573250157494},{"text":"I would imagine.","start":1074.4299,"end":1075.33,"sentiment":"neutral","sentiment_score":-0.026675549646218617},{"text":"I I reckon.","start":1075.3899,"end":1076.37,"sentiment":"neutral","sentiment_score":0.012267607574661573},{"text":"Yeah.","start":1079.23,"end":1079.73,"sentiment":"neutral","sentiment_score":0.04204362630844116},{"text":"Yes.","start":1090.225,"end":1090.725,"sentiment":"neutral","sentiment_score":-0.08091103285551071}],"sentiment":"neutral","sentiment_score":-0.03221721636752287,"num_words":15,"start":1072.9099,"end":1090.725},{"sentences":[{"text":"Yeah.","start":1110.23,"end":1110.55,"sentiment":"neutral","sentiment_score":-0.15109431743621826},{"text":"That's a hard one.","start":1110.55,"end":1111.61,"sentiment":"negative","sentiment_score":-0.36508648097515106},{"text":"Is it real signs if it ever crashed?","start":1116.0449,"end":1118.385,"sentiment":"negative","sentiment_score":-0.3520720601081848},{"text":"Yeah.","start":1138.8451,"end":1139.165,"sentiment":"neutral","sentiment_score":-0.028506841510534286},{"text":"I think so.","start":1139.165,"end":1140.145,"sentiment":"neutral","sentiment_score":-0.05965145925680796}],"sentiment":"neutral","sentiment_score":-0.27267517302842703,"num_words":17,"start":1110.23,"end":1140.145},{"sentences":[{"text":"I have to talk to someone like you guys, I reckon, and I'll get the best advice, like, if it was because it was a bit nuts.","start":1141.405,"end":1150.785,"sentiment":"neutral","sentiment_score":-0.1278584329066453},{"text":"Not extremely.","start":1161.7001,"end":1162.52,"sentiment":"neutral","sentiment_score":-0.2536327838897705},{"text":"No.","start":1162.5801,"end":1163.0801,"sentiment":"neutral","sentiment_score":-0.2389477491378784},{"text":"Yeah.","start":1164.5,"end":1165.0,"sentiment":"neutral","sentiment_score":-0.16350162029266355},{"text":"Thought it was always gonna be a lot at the end.","start":1165.14,"end":1167.88,"sentiment":"neutral","sentiment_score":-0.18764592368494382}],"sentiment":"neutral","sentiment_score":-0.15299994729104496,"num_words":42,"start":1141.405,"end":1167.88},{"sentences":[{"text":"But, yeah, this was probably was I don't know what's gonna happen with ours.","start":1169.355,"end":1175.4551,"sentiment":"neutral","sentiment_score":-0.24751681621585572},{"text":"Yeah.","start":1182.9299,"end":1183.25,"sentiment":"neutral","sentiment_score":-0.013630662113428116},{"text":"That's right.","start":1183.25,"end":1184.1499,"sentiment":"neutral","sentiment_score":0.04623447358608246},{"text":"Yeah.","start":1187.09,"end":1187.59,"sentiment":"neutral","sentiment_score":-0.04138675704598427},{"text":"I think, like yeah.","start":1207.585,"end":1208.965,"sentiment":"neutral","sentiment_score":-0.024237249046564102}],"sentiment":"neutral","sentiment_score":-0.16021513159979472,"num_words":22,"start":1169.355,"end":1208.965},{"sentences":[{"text":"Potentially.","start":1209.66,"end":1210.16,"sentiment":"neutral","sentiment_score":0.008902117609977722},{"text":"Yeah.","start":1210.38,"end":1210.78,"sentiment":"neutral","sentiment_score":0.0293787382543087},{"text":"Like, one like I said, like you said, main thing is we get rid of that house loan.","start":1210.78,"end":1215.42,"sentiment":"neutral","sentiment_score":0.007658810044328372},{"text":"We'll get it down.","start":1215.42,"end":1216.4,"sentiment":"neutral","sentiment_score":0.039702762849628925},{"text":"And then, yeah, if we'll sit down well, yeah, I would definitely.","start":1217.9801,"end":1221.04,"sentiment":"neutral","sentiment_score":0.18088006973266602}],"sentiment":"neutral","sentiment_score":0.06959753680146402,"num_words":36,"start":1209.66,"end":1221.04},{"sentences":[{"text":"Yep.","start":1239.33,"end":1239.83,"sentiment":"neutral","sentiment_score":0.008601527661085129},{"text":"Yeah.","start":1247.97,"end":1248.47,"sentiment":"neutral","sentiment_score":0.14952944219112396},{"text":"Yeah.","start":1249.09,"end":1249.59,"sentiment":"neutral","sentiment_score":0.12966421246528623},{"text":"Yep.","start":1255.275,"end":1255.775,"sentiment":"neutral","sentiment_score":0.16259285807609558},{"text":"Yep.","start":1266.24,"end":1266.74,"sentiment":"neutral","sentiment_score":-0.17033535242080688}],"sentiment":"neutral","sentiment_score":0.056010537594556806,"num_words":5,"start":1239.33,"end":1266.74},{"sentences":[{"text":"Yeah.","start":1268.56,"end":1268.88,"sentiment":"neutral","sentiment_score":0.02343658171594143},{"text":"That's right.","start":1268.88,"end":1269.52,"sentiment":"neutral","sentiment_score":0.1051771007478237},{"text":"Yep.","start":1269.52,"end":1270.02,"sentiment":"neutral","sentiment_score":0.3035770356655121},{"text":"Yeah.","start":1282.335,"end":1282.835,"sentiment":"neutral","sentiment_score":0.2924748361110687},{"text":"Yep.","start":1305.66,"end":1306.16,"sentiment":"neutral","sentiment_score":0.11162712424993516}],"sentiment":"neutral","sentiment_score":0.15691162987301746,"num_words":6,"start":1268.56,"end":1306.16},{"sentences":[{"text":"Yep.","start":1318.985,"end":1319.485,"sentiment":"neutral","sentiment_score":-0.07358035445213318},{"text":"Yep.","start":1352.5801,"end":1353.0801,"sentiment":"neutral","sentiment_score":-0.2195261716842651},{"text":"Yep.","start":1365.62,"end":1366.12,"sentiment":"neutral","sentiment_score":0.03617337718605995},{"text":"Yep.","start":1375.375,"end":1375.875,"sentiment":"neutral","sentiment_score":0.04773204028606415},{"text":"Yep.","start":1399.745,"end":1400.245,"sentiment":"neutral","sentiment_score":0.09986434876918791}],"sentiment":"neutral","sentiment_score":-0.02186735197901726,"num_words":5,"start":1318.985,"end":1400.245},{"sentences":[{"text":"Yep.","start":1406.225,"end":1406.725,"sentiment":"neutral","sentiment_score":-0.22751128673553467},{"text":"Yeah.","start":1417.94,"end":1418.26,"sentiment":"neutral","sentiment_score":-0.07508228719234467},{"text":"Okay.","start":1418.26,"end":1418.76,"sentiment":"neutral","sentiment_score":0.019628237932920456},{"text":"Yeah.","start":1419.06,"end":1419.22,"sentiment":"neutral","sentiment_score":0.059798434376716614},{"text":"Yeah.","start":1419.22,"end":1419.54,"sentiment":"neutral","sentiment_score":0.12898464500904083}],"sentiment":"neutral","sentiment_score":-0.018836451321840288,"num_words":5,"start":1406.225,"end":1419.54},{"sentences":[{"text":"It does.","start":1419.54,"end":1420.12,"sentiment":"neutral","sentiment_score":0.15435829013586044},{"text":"Yeah.","start":1428.075,"end":1428.235,"sentiment":"neutral","sentiment_score":0.1017419621348381},{"text":"I know.","start":1428.235,"end":1428.7949,"sentiment":"neutral","sentiment_score":0.08000071346759796},{"text":"That one.","start":1428.7949,"end":1429.455,"sentiment":"neutral","sentiment_score":0.05802915059030056},{"text":"Yep.","start":1444.85,"end":1445.35,"sentiment":"neutral","sentiment_score":0.24843654036521912}],"sentiment":"neutral","sentiment_score":0.1168693513609469,"num_words":8,"start":1419.54,"end":1445.35},{"sentences":[{"text":"Yeah.","start":1450.53,"end":1451.03,"sentiment":"neutral","sentiment_score":0.028615761548280716},{"text":"Yeah.","start":1458.605,"end":1458.925,"sentiment":"neutral","sentiment_score":0.02591949701309204},{"text":"Sounds a little bit.","start":1458.925,"end":1460.0651,"sentiment":"neutral","sentiment_score":-0.07374042551964521},{"text":"Yeah.","start":1460.4451,"end":1460.9451,"sentiment":"neutral","sentiment_score":0.014561653137207031},{"text":"Yep.","start":1463.405,"end":1463.905,"sentiment":"neutral","sentiment_score":0.093800388276577}],"sentiment":"neutral","sentiment_score":-0.01650805026292801,"num_words":8,"start":1450.53,"end":1463.905},{"sentences":[{"text":"What what would you what what would you recommend?","start":1470.4299,"end":1472.69,"sentiment":"neutral","sentiment_score":0.052815114458402},{"text":"Yeah.","start":1487.225,"end":1487.385,"sentiment":"neutral","sentiment_score":0.05617053806781769},{"text":"Well, I've done it.","start":1487.385,"end":1489.385,"sentiment":"neutral","sentiment_score":-0.024689462734386325},{"text":"I've done anything in the next sort of twelve months.","start":1489.385,"end":1492.285,"sentiment":"neutral","sentiment_score":-0.15115865617990493},{"text":"He's gonna settle settle down, is it?","start":1492.76,"end":1495.18,"sentiment":"neutral","sentiment_score":-0.07316302135586739}],"sentiment":"neutral","sentiment_score":-0.05132190303336228,"num_words":31,"start":1470.4299,"end":1495.18},{"sentences":[{"text":"Like, with the walls on time.","start":1496.28,"end":1498.14,"sentiment":"neutral","sentiment_score":-0.07710233020285766},{"text":"Yeah.","start":1504.28,"end":1504.78,"sentiment":"neutral","sentiment_score":-0.1990140676498413},{"text":"Yeah.","start":1517.065,"end":1517.465,"sentiment":"neutral","sentiment_score":-0.038319241255521774},{"text":"True.","start":1517.465,"end":1517.965,"sentiment":"neutral","sentiment_score":-0.05625791475176811},{"text":"Yeah.","start":1522.1,"end":1522.6,"sentiment":"neutral","sentiment_score":-0.1702648401260376}],"sentiment":"neutral","sentiment_score":-0.09264700450003147,"num_words":10,"start":1496.28,"end":1522.6},{"sentences":[{"text":"Yep.","start":1527.46,"end":1527.96,"sentiment":"neutral","sentiment_score":-0.08098943531513214},{"text":"Yep.","start":1528.5,"end":1528.8999,"sentiment":"neutral","sentiment_score":-0.024632692337036133},{"text":"Yeah.","start":1528.8999,"end":1529.3999,"sentiment":"neutral","sentiment_score":-0.028478777036070824},{"text":"No.","start":1537.1951,"end":1537.275,"sentiment":"neutral","sentiment_score":-0.30058151483535767},{"text":"Definitely not.","start":1537.275,"end":1538.3351,"sentiment":"neutral","sentiment_score":-0.284927174448967}],"sentiment":"neutral","sentiment_score":-0.1674227947369218,"num_words":6,"start":1527.46,"end":1538.3351},{"sentences":[{"text":"Yeah.","start":1538.635,"end":1539.035,"sentiment":"neutral","sentiment_score":-0.052547916769981384},{"text":"Yeah.","start":1539.035,"end":1539.435,"sentiment":"neutral","sentiment_score":0.00773192010819912},{"text":"I'll probably start then with the log what you're saying the log restart.","start":1539.435,"end":1544.5751,"sentiment":"neutral","sentiment_score":0.006764092769187231},{"text":"If it's just poking along, it's better than yeah.","start":1546.235,"end":1549.135,"sentiment":"neutral","sentiment_score":0.060474184445208974},{"text":"Yep.","start":1557.54,"end":1558.04,"sentiment":"neutral","sentiment_score":0.0335417315363884}],"sentiment":"neutral","sentiment_score":0.024837064035236837,"num_words":25,"start":1538.635,"end":1558.04},{"sentences":[{"text":"Yep.","start":1560.8201,"end":1561.06,"sentiment":"neutral","sentiment_score":0.017889801412820816},{"text":"Sure.","start":1561.06,"end":1561.38,"sentiment":"neutral","sentiment_score":0.005837557837367058},{"text":"I lost it.","start":1561.38,"end":1561.78,"sentiment":"neutral","sentiment_score":-0.07878622536857922},{"text":"Yep.","start":1561.78,"end":1562.28,"sentiment":"neutral","sentiment_score":0.11230538785457612},{"text":"That's it.","start":1564.845,"end":1574.465,"sentiment":"neutral","sentiment_score":0.16664667800068855}],"sentiment":"neutral","sentiment_score":0.029120928375050426,"num_words":8,"start":1560.8201,"end":1574.465},{"sentences":[{"text":"Correct.","start":1574.605,"end":1575.005,"sentiment":"neutral","sentiment_score":0.17179641127586365},{"text":"Yep.","start":1575.005,"end":1575.505,"sentiment":"neutral","sentiment_score":0.22413060069084167},{"text":"Oh, I have got I have got income protection.","start":1592.375,"end":1595.195,"sentiment":"neutral","sentiment_score":-0.032944660633802414},{"text":"I had to do that to get to, like, a business in town.","start":1595.735,"end":1602.475,"sentiment":"neutral","sentiment_score":-0.022542075612224065},{"text":"So I that that was one of their requirements.","start":1602.49,"end":1613.79,"sentiment":"neutral","sentiment_score":-0.013813295298152499}],"sentiment":"neutral","sentiment_score":-0.009634593163024296,"num_words":33,"start":1574.605,"end":1613.79},{"sentences":[{"text":"I think it's a proper policy.","start":1614.6901,"end":1616.0701,"sentiment":"neutral","sentiment_score":0.0039620669558644295},{"text":"Yeah.","start":1616.13,"end":1616.63,"sentiment":"neutral","sentiment_score":-0.006170464679598808},{"text":"And I think I'm locked in to it to 2047 for memory.","start":1617.8151,"end":1623.675,"sentiment":"neutral","sentiment_score":-0.03533457716306051},{"text":"Like, I can opt out what I want, but so yeah.","start":1625.335,"end":1628.695,"sentiment":"neutral","sentiment_score":-0.04099557294764302},{"text":"It's it's for me to get any work with this company or I have to be in one.","start":1628.695,"end":1634.26,"sentiment":"neutral","sentiment_score":-0.07365490765207344}],"sentiment":"neutral","sentiment_score":-0.04548234643880278,"num_words":48,"start":1614.6901,"end":1634.26},{"sentences":[{"text":"Yep.","start":1649.6849,"end":1650.1849,"sentiment":"neutral","sentiment_score":-0.03015239909291267},{"text":"No.","start":1656.325,"end":1656.825,"sentiment":"neutral","sentiment_score":-0.07508788257837296},{"text":"What?","start":1657.845,"end":1658.345,"sentiment":"neutral","sentiment_score":-0.03362362086772919},{"text":"Yep.","start":1662.2201,"end":1662.7201,"sentiment":"neutral","sentiment_score":-0.0024891707580536604},{"text":"I'll probably I don't even know when I'm talking anytime soon.","start":1673.9801,"end":1678.535,"sentiment":"neutral","sentiment_score":-0.13546697863123633}],"sentiment":"neutral","sentiment_score":-0.10876598921604455,"num_words":15,"start":1649.6849,"end":1678.535},{"sentences":[{"text":"Yes.","start":1690.76,"end":1691.26,"sentiment":"neutral","sentiment_score":-0.16104137897491455},{"text":"Yes.","start":1695.72,"end":1696.22,"sentiment":"neutral","sentiment_score":0.007377114146947861},{"text":"Yeah.","start":1707.815,"end":1707.975,"sentiment":"neutral","sentiment_score":-0.02534138783812523},{"text":"What would would that be a higher premium if if I did up that rate?","start":1707.975,"end":1712.235,"sentiment":"neutral","sentiment_score":-0.14512172291676204},{"text":"Obviously, it would be.","start":1712.615,"end":1713.9149,"sentiment":"neutral","sentiment_score":-0.0418701502494514}],"sentiment":"neutral","sentiment_score":-0.11469600442796946,"num_words":22,"start":1690.76,"end":1713.9149},{"sentences":[{"text":"Yep.","start":1721.5701,"end":1722.0701,"sentiment":"neutral","sentiment_score":-0.09429910778999329},{"text":"Yeah.","start":1747.7401,"end":1748.2401,"sentiment":"neutral","sentiment_score":0.19464318454265592},{"text":"Yeah.","start":1754.235,"end":1754.475,"sentiment":"neutral","sentiment_score":0.1969928741455078},{"text":"I got.","start":1754.475,"end":1755.215,"sentiment":"neutral","sentiment_score":0.18144293129444122},{"text":"Yep.","start":1779.2699,"end":1779.7699,"sentiment":"neutral","sentiment_score":0.11477731168270112}],"sentiment":"neutral","sentiment_score":0.12916668752829233,"num_words":6,"start":1721.5701,"end":1779.7699},{"sentences":[{"text":"Yeah.","start":1781.11,"end":1781.61,"sentiment":"neutral","sentiment_score":0.10235455632209778},{"text":"Well, I think yeah.","start":1784.695,"end":1785.575,"sentiment":"neutral","sentiment_score":0.07616827450692654},{"text":"I'll probably just leave it where it is, but the current time.","start":1785.575,"end":1789.915,"sentiment":"neutral","sentiment_score":0.018029834764699142},{"text":"Yep.","start":1802.1,"end":1802.6,"sentiment":"neutral","sentiment_score":0.16151008009910583},{"text":"Yeah.","start":1810.9,"end":1811.14,"sentiment":"neutral","sentiment_score":0.04695785045623779}],"sentiment":"neutral","sentiment_score":0.043781768530607224,"num_words":19,"start":1781.11,"end":1811.14},{"sentences":[{"text":"Okay.","start":1811.14,"end":1811.64,"sentiment":"neutral","sentiment_score":0.029043929651379585},{"text":"And, yeah, I'll I'll get the it'll be just the same as what the newsletter and everything.","start":1830.8201,"end":1836.36,"sentiment":"neutral","sentiment_score":0.0926020176095121},{"text":"Yes.","start":1844.475,"end":1844.955,"sentiment":"neutral","sentiment_score":0.044173888862133026},{"text":"Yes.","start":1844.955,"end":1845.455,"sentiment":"neutral","sentiment_score":0.029452525079250336},{"text":"Okay.","start":1852.155,"end":1852.655,"sentiment":"neutral","sentiment_score":0.2845996618270874}],"sentiment":"neutral","sentiment_score":0.09340496689435981,"num_words":21,"start":1811.14,"end":1852.655},{"sentences":[{"text":"Not really.","start":1877.3351,"end":1878.055,"sentiment":"neutral","sentiment_score":-0.0864502564072609},{"text":"Yeah.","start":1878.055,"end":1878.555,"sentiment":"neutral","sentiment_score":-0.019136514514684677},{"text":"It's just both of us to just knock on down sort of thing.","start":1879.175,"end":1884.65,"sentiment":"neutral","sentiment_score":-0.03150629538756151},{"text":"Yeah.","start":1884.65,"end":1885.15,"sentiment":"neutral","sentiment_score":0.06896920502185822},{"text":"But as I say, is that because my wife's with you guys as well, so I have no doubt easily talking to her in the next couple of days or weeks.","start":1888.25,"end":1900.285,"sentiment":"neutral","sentiment_score":0.21187988548509537}],"sentiment":"neutral","sentiment_score":0.12574222474358976,"num_words":48,"start":1877.3351,"end":1900.285},{"sentences":[{"text":"So and normally, she's Monday because she's she's in the office on a Monday.","start":1901.885,"end":1910.025,"sentiment":"neutral","sentiment_score":0.06667171485189881},{"text":"But she does all the accounts Monday.","start":1911.0599,"end":1913.0,"sentiment":"neutral","sentiment_score":0.051174040883779526},{"text":"So yeah.","start":1914.8999,"end":1915.38,"sentiment":"neutral","sentiment_score":0.11816773191094398},{"text":"So I'd say probably like to do some yeah.","start":1915.38,"end":1919.38,"sentiment":"neutral","sentiment_score":0.12208037906222874},{"text":"Monday or the next fortnight or so.","start":1919.38,"end":1921.88,"sentiment":"neutral","sentiment_score":0.08216330728360585}],"sentiment":"neutral","sentiment_score":0.08209805949949302,"num_words":39,"start":1901.885,"end":1921.88},{"sentences":[{"text":"Okay.","start":1937.3049,"end":1937.8049,"sentiment":"positive","sentiment_score":0.4471772015094757},{"text":"Yep.","start":1946.09,"end":1946.59,"sentiment":"neutral","sentiment_score":0.14676982164382937},{"text":"Yeah.","start":1953.21,"end":1953.53,"sentiment":"neutral","sentiment_score":0.1060141548514366},{"text":"It was that's definitely something to look into.","start":1953.53,"end":1955.95,"sentiment":"neutral","sentiment_score":0.18752872198820114},{"text":"Yep.","start":1966.4249,"end":1966.9249,"sentiment":"neutral","sentiment_score":0.1879444122314453}],"sentiment":"neutral","sentiment_score":0.19901128051181635,"num_words":12,"start":1937.3049,"end":1966.9249},{"sentences":[{"text":"Yeah.","start":1972.04,"end":1972.44,"sentiment":"neutral","sentiment_score":0.1602466106414795},{"text":"For sure.","start":1972.44,"end":1973.26,"sentiment":"neutral","sentiment_score":0.19418635964393616},{"text":"I'm not right now.","start":1979.4,"end":1980.54,"sentiment":"neutral","sentiment_score":-0.04827385954558849},{"text":"Yep.","start":1991.105,"end":1991.605,"sentiment":"neutral","sentiment_score":0.1801261156797409},{"text":"Okay.","start":2007.65,"end":2008.15,"sentiment":"neutral","sentiment_score":0.2895136773586273}],"sentiment":"neutral","sentiment_score":0.09168485386504067,"num_words":9,"start":1972.04,"end":2008.15},{"sentences":[{"text":"No.","start":2013.289,"end":2013.5289,"sentiment":"neutral","sentiment_score":-0.19439354538917544},{"text":"I'm probably sitting there.","start":2013.5289,"end":2014.7289,"sentiment":"neutral","sentiment_score":-0.23720353841781616},{"text":"Go ahead and tell him what billing to alright.","start":2014.7289,"end":2019.289,"sentiment":"neutral","sentiment_score":-0.023502127991782293},{"text":"Thanks a lot.","start":2019.289,"end":2020.2489,"sentiment":"neutral","sentiment_score":0.31122928857803345},{"text":"Alright, guys.","start":2020.2489,"end":2020.809,"sentiment":"neutral","sentiment_score":0.25100182741880417}],"sentiment":"neutral","sentiment_score":0.004261298399222526,"num_words":19,"start":2013.289,"end":2020.809},{"sentences":[{"text":"Bye bye.","start":2020.809,"end":2021.4689,"sentiment":"neutral","sentiment_score":0.023304015398025513}],"sentiment":"neutral","sentiment_score":0.023304015398025513,"num_words":2,"start":2020.809,"end":2021.4689}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning,\n\nChannel 1: Good\n\nChannel 0: Daniel.\n\nChannel 1: morning,\n\nChannel 0: It's\n\nChannel 1: sir.\n\nChannel 0: Carl calling from IP\n\nChannel 1: Hello?\n\nChannel 0: Financial Aid today.\n\nChannel 1: Good call there. You might\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I've got you scheduled in for that interview now. Is that now is still a good time?\n\nChannel 1: Yeah, mate. Yeah.\n\nChannel 0: Perfect. Just to get started on that one, Daniel, if I could just pass you through security, just that name, date of birth, and kind of just we can get stuck into that one today.\n\nChannel 1: Daniel Mullins. So that's the 5981. And eighty three Mossman's Lane, Menildra.\n\nChannel 0: Perfect. Thank you for that one. Now I know you already signed that ongoing service grant at the end of last year. Things obviously just got a little bit busy. We didn't get around to actually completing the full annual review there for you.\n\nSo what we'll be doing there today is just running through a few documents there, how things have gone for the last twelve months, and then any potential updates there as well. So what I will do there, Daniel, is I'll just run through, and I'll confirm a few details, make sure everything else is up to date there if\n\nChannel 1: Yep.\n\nChannel 0: that's alright. Perfect. The address hasn't changed. So yep. Great.\n\nAnd then you're still married to Brianna, and she's your next of kin. Is that still fine?\n\nChannel 1: Yep. That's right.\n\nChannel 0: Perfect. Just in regards to that one, we don't have a phone number for Brianna in the event that we couldn't reach you. Did you wanna put down a contact number for her?\n\nChannel 1: Yeah.\n\nChannel 0: Or\n\nChannel 1: I can. Yep.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Alright. So it's 0428\n\nChannel 0: Yep.\n\nChannel 1: 387\n\nChannel 0: Perfect.\n\nChannel 1: 08\n\nChannel 0: Great. And as I said, that's an interview that we couldn't reach you because that's not for any sort of marketing purchase purposes\n\nChannel 1: four.\n\nChannel 0: or anything like that as well.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Right. Perfect. And still just the three kids at home?\n\nChannel 1: Yeah, mate. Yep.\n\nChannel 0: Perfect. Now in regards to your work, I know you're self employed there.\n\nChannel 1: Yep.\n\nChannel 0: Now are you still doing that role? Has that changed\n\nChannel 1: Yeah.\n\nChannel 0: at all?\n\nChannel 1: Yes. No.\n\nChannel 0: Perfect.\n\nChannel 1: I\n\nChannel 0: And then within regards\n\nChannel 1: haven't\n\nChannel 0: to that one, we don't have your business\n\nChannel 1: changed.\n\nChannel 0: name because you were sort of yet to name it the last time it\n\nChannel 1: I\n\nChannel 0: was\n\nChannel 1: still\n\nChannel 0: really spoken about.\n\nChannel 1: haven't.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Still no. That's perfectly fine. And how long have you been self employed now since as opposed to, like, industry experience of, like, other employers?\n\nChannel 1: Okay. And on Beyond, 2021, I think it was, or 2020.\n\nChannel 0: So, like, five years out. Alright. And how long have\n\nChannel 1: Yeah.\n\nChannel 0: you been operating heavy equipment?\n\nChannel 1: Made on and off since I was 18. So\n\nChannel 0: Yep. Perfect. So quite some time. Got a bit\n\nChannel 1: yeah.\n\nChannel 0: under your belt.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Right. And in terms of, like, hours you're working per week, do you know roughly sort of what hours you're pulling each week?\n\nChannel 1: Forty forty odd forty five. Around\n\nChannel 0: Perfect.\n\nChannel 1: that.\n\nChannel 0: And you're still paying\n\nChannel 1: Yeah.\n\nChannel 0: yourself the $1.20 per annum?\n\nChannel 1: And I hadn't really changed the water. If it did, it wouldn't have been much.\n\nChannel 0: Yeah. Not a problem. And then as far as your, like, savings and expenditures go, do you know roughly obviously, you know, with the the build on the land and things like that, things are probably a little bit more stretched than usual. But do you know roughly what your expenditures and savings are per week?\n\nChannel 1: Well, fuel because I'm busy in weeks, fuel would be 300 to 400. Saving me, I'm not totally sure.\n\nChannel 0: You don't have a set amount that you're sort of trying to put away in a savings\n\nChannel 1: Well,\n\nChannel 0: account or\n\nChannel 1: everything\n\nChannel 0: an offset\n\nChannel 1: we got\n\nChannel 0: account, I think?\n\nChannel 1: everything we got, and then go straight off into more bank. And then yeah.\n\nChannel 0: Yep. And did your partner deal with, like, the household expenses type deal and\n\nChannel 1: She\n\nChannel 0: you're\n\nChannel 1: does.\n\nChannel 0: just putting\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. And then once I get, like which I'm yet to. Like, once my account builds up to what it is at the moment, I usually just take a whack off the health plan.\n\nChannel 0: Yep. Not a problem. And in terms of super guarantee, now I know at one point you were, like, sort of doing 20,000 per annum as, like,\n\nChannel 1: Yeah.\n\nChannel 0: lump sum concessional contributions. Are you planning on starting those back up at all, or are you\n\nChannel 1: Well, yeah, I'd have I've actually got a mate to chat on Monday. I'm pretty sure. So I'd I'd get yet to speak to he's got he's been with us for the last\n\nChannel 0: Okay.\n\nChannel 1: two years, and I'm yet to meet him. So yeah. Possibly, yeah. Yeah.\n\nChannel 0: Yeah. Because, obviously, that does make a difference in regards to your superannuation. Like, obviously, you've got nice amount of assets outside of superannuation from, like, being self employed and being able to contribute a lot more of that money towards those sort of assets paying off the mortgage investment property, things like that as well. But it does sort of, you know, affect your your balance and how that does grow as well if you're not\n\nChannel 1: Yeah. For\n\nChannel 0: contributing\n\nChannel 1: sure.\n\nChannel 0: to to superannuation. That's that's fine. I'll leave that with you in your meeting with the account. And if you're just sort of planning on do it as well, you can obviously do the concession and claim that notice of intent, but he'll know all about that as well.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Perfect. And then as far as the assets and liabilities, you know, it's updated. So the house is worth around 400 with no no mortgage left on that one.\n\nChannel 1: On the old house?\n\nChannel 0: Yeah. The old primary.\n\nChannel 1: That's right. Yeah. I think it'd be still around at 4, maybe $4.04 50 probably maybe now.\n\nChannel 0: Yep. And is that now an investment property like you're not living in anymore?\n\nChannel 1: No. No. Yeah. No. It's been been ran to the right.\n\nChannel 0: Yep. And then as far as, like, the land you had in that build there, that's all finalized now, and you're living in that one currently?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. And do you know roughly what that one's worth now?\n\nChannel 1: Well, $700,007.30 or 40 build on the price was $2.50. So yeah. I suppose it'd be close\n\nChannel 0: Close\n\nChannel 1: to\n\nChannel 0: to\n\nChannel 1: a\n\nChannel 0: a\n\nChannel 1: million.\n\nChannel 0: yep. Perfect. And then do you know roughly what's owing left on that one?\n\nChannel 1: 700, I think. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Mate, but but probably the late sevens. Okay.\n\nChannel 0: Yep. And then with that one, did you speak to a mortgage broker when you set up that sort of split of, like, not having any loan against the investment property versus, like, your primary residence and things like that?\n\nChannel 1: I didn't we didn't speak to anyone. We just did not going with the bank. Brianna was with, and I,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, met met them and then had a meeting and then, yeah, they approved it, I think, a couple of weeks later.\n\nChannel 0: Yeah. Because just, obviously, in regards to, like, investment properties at the moment, you can still deduct the interest on, like, the loans for investments versus, like, your primary residence. So sometimes they do do a split between, like, the investment and your primary. So at least, like, the interest getting paid on the investment, one, you're earning an income with that, and then two, the interest on those repayments is a deduction\n\nChannel 1: Hello?\n\nChannel 0: versus, like, your your primary residence. And then if you did wanna review your home loan, we do have some mortgage brokers that we sort of liaison that are part of, like, trusted partners. So if\n\nChannel 1: Okay.\n\nChannel 0: you ever do wanna, like, look at revisiting or refinancing and things like that as well, feel free to give us a shout, and we can sort of pass your details along if you'd\n\nChannel 1: Yep. Yeah. Okay. It might be something we need to look into.\n\nChannel 0: like. Yeah. Especially if you, like, haven't really looked at your loan since, like, the house was built and finalized and things like that because you might have a bit more equity than you think, and that might sort of be able to, you know, affect, like, what sort of loan rate you can get as well and\n\nChannel 1: Yeah.\n\nChannel 0: whether\n\nChannel 1: We\n\nChannel 0: or not it's worth\n\nChannel 1: you're right. Yeah. For sure.\n\nChannel 0: Yeah. So if you have a chat with your your partner there and wanna have a look into that, feel free, and we can just pass along your your details\n\nChannel 1: Yep.\n\nChannel 0: to one of the mortgage brokers here.\n\nChannel 1: Okay.\n\nChannel 0: And other assets there, I've got your truck worth around the 55,000 and a machine estimated worth around the 85. Is that about right?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: It's taken the the escalator model is deteriorated a bit now. I've put a few noise on it, but\n\nChannel 0: Yep. And have you managed to pay most of that off now? Is there anything owing on that escrow?\n\nChannel 1: No. No. It's\n\nChannel 0: Perfect.\n\nChannel 1: paid\n\nChannel 0: And as far as any other assets and\n\nChannel 1: off.\n\nChannel 0: liabilities that I haven't mentioned, you said you've got a bit of a savings built up as well. Do you know roughly sort of how much is sitting in that?\n\nChannel 1: $1.40.\n\nChannel 0: $1.40. And is that an offset or a savings account?\n\nChannel 1: Oh, that's the sailing.\n\nChannel 0: Yep. And do you\n\nChannel 1: Yeah.\n\nChannel 0: have that in a high interest savings account at the moment?\n\nChannel 1: No. No. It's just yeah. That's just my everyday account.\n\nChannel 0: Because with\n\nChannel 1: And\n\nChannel 0: that\n\nChannel 1: I I\n\nChannel 0: too,\n\nChannel 1: don't\n\nChannel 0: obviously oh, sorry?\n\nChannel 1: yeah. I don't gain any interest on it. I think because it's always up and down and that's good everything.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: The\n\nChannel 1: Sorry.\n\nChannel 0: other option there is you can look at setting up an offset account with your your bank or, like, with the your, like, loan provider there, so, like, who it's with. And you can leave it sitting in the offset. And what that does is essentially, like, it's like being on the mortgage, but it's not. Like, you still have full access to it. It's\n\nChannel 1: Yeah.\n\nChannel 0: the exact same as in everyday spending, but you won't get interest on it. All it would do is, like, offset the interest that you would be paying on your home loan. So, essentially, instead of paying the interest on a $700,000 debt, you'd be paying it closer to, you know, that $5.60 mark\n\nChannel 1: Yes.\n\nChannel 0: in terms of, like, the interest repayment you'd be making. So that's something you can\n\nChannel 1: Yep.\n\nChannel 0: look into as well if you're not really got in a high interest or not doing much with it. I'm assuming your home rate is probably up around that sort of five, maybe sort of 5% mark in terms of, like, what you're paying.\n\nChannel 1: Yeah. I think it's yeah. Around that four $5.04, possibly.\n\nChannel 0: Yeah.\n\nChannel 1: I think I thought\n\nChannel 0: Which\n\nChannel 1: she mentioned\n\nChannel 0: which\n\nChannel 1: it the\n\nChannel 0: is,\n\nChannel 1: other day.\n\nChannel 0: yeah, which is definitely higher than what you'd be getting currently at least, not being in, like, a high interest saver or, like, a term deposit and things like that as well. So\n\nChannel 1: Yep.\n\nChannel 0: you could be offsetting, like, the interest of, like, four to 5% of your mortgage as opposed to getting, you know, like, your two two point something percent interest earned on the the savings account, if that makes\n\nChannel 1: Okay.\n\nChannel 0: sense.\n\nChannel 1: Yeah. Yeah. It's odd.\n\nChannel 0: So that's another thing to be be mindful of and potentially look into there as well.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, if you wanna have a bit more conversation around it or with your partner as well, that's more than fine. Happy to have a a bit more of a chat. But it seems like she does deal with a lot of it as well, so feel free just to mention it to her.\n\nChannel 1: Yeah. Well, that's for what?\n\nChannel 0: And so if you've entered these one previously as well, it's updated the workbook a little bit, but you've now declared bankruptcy or a partner on debt agreement?\n\nChannel 1: No.\n\nChannel 0: Yeah. No. That's fine. And as far as your health's going, you're not sort of a smoker still, no injuries,\n\nChannel 1: No.\n\nChannel 0: medications currently?\n\nChannel 1: No.\n\nChannel 0: Perfect. And have you got private health cover at the moment there, Danny?\n\nChannel 1: No. We don't.\n\nChannel 0: No. That's fine. And then as far as the estate planning side of things goes, I know you didn't have a will set up the last time you spoke to us there. Have you managed to get around to looking into a will?\n\nChannel 1: No. No. I haven't. I was actually only woke up this morning and thought about that\n\nChannel 0: Yep. Because\n\nChannel 1: or yesterday morning. Yep.\n\nChannel 0: yeah. We don't draw up wills. We can have conversations around how you can split your estates and things like that and have a general sort of discussion on how you might wanna split it. Obviously, with the young family and your partner, generally, you know, you just leave it to your spouse. And then, like, worst case scenario, there'd be, like, someone else that would look after potentially the children.\n\nThey'd get you know, as they come of age type deal,\n\nChannel 1: Yeah.\n\nChannel 0: which a lawyer all can do. We can send you through just a local solicitor's information booklet\n\nChannel 1: Yep.\n\nChannel 0: on their general pricing a little bit more about wills and estates. And then the other thing you can look to potentially do is if you're just looking to get a slot together one is just like a post office full, they're generally a lot cheaper, not as ironclad. But in saying\n\nChannel 1: Yeah.\n\nChannel 0: that yeah.\n\nChannel 1: I have looked at them at the end. Sort of didn't elaborate on a lot of things that it was sent.\n\nChannel 0: No. And even then, like, even if you've got, like, a will set up by a solicitor, the the likelihood is is, like, if someone comes out of the woodwork, you know, your next spouse, there's a separation, things like that, and people tend to claim anyway and, like, challenge the estates. So\n\nChannel 1: Yep.\n\nChannel 0: even with with a will, it can sort of be tied up sort of thing. And when there's not a will, it just gets real messy real quickly.\n\nChannel 1: Well, that's all\n\nChannel 0: Yeah. So with that,\n\nChannel 1: of it.\n\nChannel 0: we could just send that through and then any sort of updates so we can put a reminder in those documents just to make sure you've got those sort of set. Perfect. And I'll just double check-in regards to\n\nChannel 1: Yep.\n\nChannel 0: your beneficiary forms and see if that's up to date. Yes. I've got the three children there as\n\nChannel 1: Yes.\n\nChannel 0: beneficiaries on your your superannuation.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Something to be mindful of is that as well as spouses will always receive money from superannuation and, like, insurance policy through super tax free because they'll always be a tax dependent as well as, like, a dependent through super law. Children\n\nChannel 1: Yep.\n\nChannel 0: are always a dependent through super law, but once they turn, like, over 18 and you're no longer sort of supporting them if they move out of home, things like that, they're no longer considered, like, dependent on you, and then they might not be considered a tax dependent. So they can still receive the funds. They'll just have to pay tax on that.\n\nChannel 1: Yep. Oh,\n\nChannel 0: Other\n\nChannel 1: okay. Yes.\n\nChannel 0: yeah. Otherwise, you can look at sort of sending it to the the estate, and you can get rid of sort of the Medicare levy taxes that might be associated with that death\n\nChannel 1: Yeah.\n\nChannel 0: benefit.\n\nChannel 1: Yeah. Yeah. That's alright.\n\nChannel 0: Or you can just leave it to your spouse and then sort of leave other things outside of that to your your children to sort of equal things out\n\nChannel 1: Yep.\n\nChannel 0: once they sort of get a bit older and things like that. Something just to be mindful of.\n\nChannel 1: Yeah. It's cool. Never actually knew that.\n\nChannel 0: Yeah. Obviously, I think the kids are still quite young. They're sort of in their early teens there, so you've still got a bit of time to think about how you might wanna structure that. And you can even have a chat with the lawyer how you might wanna structure things a little\n\nChannel 1: Yeah.\n\nChannel 0: bit as well with, like, a\n\nChannel 1: Yep.\n\nChannel 0: joint will with your partner and things like that as well.\n\nChannel 1: Yeah. It would not\n\nChannel 0: Yeah.\n\nChannel 1: extend.\n\nChannel 0: Perfect. And this one's a bit of a random one, but you're not politically exposed at all that I you don't have any sort of role in politics or any family in politics or local council,\n\nChannel 1: No.\n\nChannel 0: things like that? Yeah. Brilliant. Bit of a weird one, but it's part of our anti money laundering. Yeah.\n\nChannel 1: No.\n\nChannel 0: And then you're no tax resident anywhere else but Australia at the moment? Sorry. Yeah. There's just a few ones that have updated there. And as far as goals are concerned there, I know your main goal is to just pay down your current loans there, make sure everything on the bill was finalized, get in there.\n\nIs there any\n\nChannel 1: Yeah.\n\nChannel 0: other goals that you're working towards at the moment?\n\nChannel 1: Yeah. I think next thing is be well, get a bigger machine. Sort of and I'm not, yeah, in and out of the truck load. Yeah. That was probably on the next that was one thing on the to do\n\nChannel 0: Yeah.\n\nChannel 1: this in the next sort of couple of years.\n\nChannel 0: Grow the business a little\n\nChannel 1: That's\n\nChannel 0: bit. Maybe get someone under your sort of thing as well. Just expand just\n\nChannel 1: right.\n\nChannel 0: a tiny bit. Yep. And is that sort of the main goal moving forward? You're not sort of looking at anything major in the next sort of two or three years, the next\n\nChannel 1: No.\n\nChannel 0: five years?\n\nChannel 1: Not at this stage. That's yeah. Probably just upgrade the truck and, yeah, bigger probably a bigger machine to a bit more weather likely that rather than sitting in the open cab.\n\nChannel 0: Perfect. Give that to to someone else and run a second crew, something like that. You get the nice machine.\n\nChannel 1: All all the hot dogs are sitting there. Connor.\n\nChannel 0: Yeah. That that'd be the way. As far as your risk profile goes, we'll just go through a few questions there and make sure that's still up to date there. So you're currently in a high growth. It's around that ninety ten sort of split.\n\nSo 90% growth assets, about 10% defensive. And we'll just go through a few questions to make sure that's still up to date there for you. So in regards to most aggressive investment you've made, have you had any direct share holdings or bought any direct shares recently or\n\nChannel 1: No.\n\nChannel 0: before? Yep. That's fine. And then with inflation, obviously, you know, having a younger family probably feel it a little bit more than most of the cost of living, but are you still willing to accept a moderate sort of amount of risk to outpace inflation or a higher amount of risk to\n\nChannel 1: Sorry.\n\nChannel 0: outpace\n\nChannel 1: I\n\nChannel 0: inflation?\n\nChannel 1: got off just a minute with the machine.\n\nChannel 0: No. That's fine. So in regards to, like, inflation, obviously, as that goes up, your money can sort of devalue if it's just sort of sitting in the blank the bank or you're just getting, like, the cash interest rate as opposed to, like, being invested in getting a greater return. Obviously, that caves with the level of risk. How much risk do you think you'd be willing to take to sort of grow your money?\n\nWould you say you're a bit of a moderate risk taker or a higher risk taker?\n\nChannel 1: Probably more on the moderate, I think. I would imagine. I I reckon.\n\nChannel 0: Yep. Not a problem.\n\nChannel 1: Yeah.\n\nChannel 0: And then as far as if your portfolio was to decrease, so, obviously, there's ups and downs in the market. And with, you know, what's been going on the past sort of year with Trump's tariffs, the wars,\n\nChannel 1: Yes.\n\nChannel 0: those sort of things kicking off. It's been a bit of a a bit of a down. But in saying that, how much would it have to drop before you'd be quite concerned? Like, if it dropped by 20%, would you just still hold it out and know that sort of, you know, the markets would turn around, or would you say that you'd look to maybe be a bit more secure and a bit more defensive in your investments? Or\n\nChannel 1: Yeah. That's a hard one. Is it real signs if it ever crashed?\n\nChannel 0: Yeah. So, like, in regards to the markets, obviously, they've gone backwards a little bit this sort of last twelve months. But if it was to die sort of like COVID, would you still be comfortable putting money, like, in your superannuation for those investments to return at a later date and like having sort of conviction that they will sort of return at some point?\n\nChannel 1: Yeah. I think so. I have to talk to someone like you guys, I reckon, and I'll get the best advice, like, if it was because it was a bit nuts.\n\nChannel 0: Yeah. Yep. Perfect. And then with that, though, did that make you a bit cautious at all or sorta concerned when it did dip during COVID?\n\nChannel 1: Not extremely. No. Yeah. Thought it was always gonna be a lot at the end. But, yeah, this was probably was I don't know what's gonna happen with ours.\n\nChannel 0: Yeah. So previously, you're a little bit more optimistic about market outcomes, but obviously, if a World War three kicks off, you're a little bit more pessimistic with that one.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yeah. No. Completely understandable.\n\nChannel 1: Yeah.\n\nChannel 0: And then with borrowed money, obviously, you've got borrowed money for, you know, like, the investment property there and your your primary residence. But would you ever put borrowed money into anything riskier like an investment portfolio? So if you had, like, a loan or redraw on your mortgage to have, like, an investment outside of superannuation, would you ever consider that?\n\nChannel 1: I think, like yeah. Potentially. Yeah. Like, one like I said, like you said, main thing is we get rid of that house loan. We'll get it down.\n\nAnd then, yeah, if we'll sit down well, yeah, I would definitely.\n\nChannel 0: Yeah. So, obviously, you've, like, set yourself up well with, like, the property side of things, having your primary residence there, having an investment property. The next sort of step after that, once you're sort of comfortable with your level of debt and paying down your your mortgage would be to sort of potentially look at, you know, leveraging some some debt there to\n\nChannel 1: Yep.\n\nChannel 0: either have, like, an investment portfolio and or another investment outside of superannuation to help continue to grow your wealth while you're you're working sort of thing.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Because, obviously, the the potential upside is a lot higher with, like, using other people's money or the bank's\n\nChannel 1: Yep.\n\nChannel 0: money to be able to sort of get a return on investment versus, like, the loan repayments. Obviously, you know, the risk of that is if, like, the markets were to go down, you're still liable for that loan at the rate you sort of borrowed at as well, which\n\nChannel 1: Yep.\n\nChannel 0: is something to be mindful of.\n\nChannel 1: Yeah. That's\n\nChannel 0: But that's\n\nChannel 1: right. Yep.\n\nChannel 0: a few years down the track yet, so that's more than fine. That does bring you out to a high growth investor, which is still in line with what they currently got you in. Are you still happy being in a high growth portfolio?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Obviously, you've got the the time horizon there as well to be able to weather those dips in the market a little bit as well. Now in terms of the other documents we're gonna provide you there, so I know you completed that ongoing service agreement already, but I'll send out a notice on there. Some of this contain a tax file opt in form as a signable docket. That's just the they've\n\nChannel 1: Yep.\n\nChannel 0: updated the form on where we store your tax file number. It'll also have your your Vanguard index chart shows the sort of market that we're at thirty year period, your dividend currency for your insurances, also your twelve month performance. Now\n\nChannel 1: Yep.\n\nChannel 0: in regards to that, as I said, with everything that did occur, it has not had a great year. It only did, like, point 47% after fees, and that's largely due to the tech sector taking a bit of a dive. The the market sort of dipping with the announcement of those wars and then also a your underlying investment, the active portion, Benelon. They had an underlying asset that was done for not reporting correctly, which caused them to have to reevaluate that stock and the fund itself to, like, basically, they've lost a a bit of funds under management due to that. Now\n\nChannel 1: Yep.\n\nChannel 0: because of that dip and then the fact that everything has occurred there, as a business, they made a decision to move away from the Bennelong, equities managed fund and look at updating those portfolios. Now\n\nChannel 1: Yep.\n\nChannel 0: given your time on board, it's probably better to have, like, a bit of a refresh totally of your portfolio because it is a little bit tech heavy, which I'm a bit concerned about there as well, given how\n\nChannel 1: Yep.\n\nChannel 0: that has sort of traveled the last year as well. So we can look at just updating that as a whole. Now the options there is we can look to have it to where you still have an active portion in that, or we can look to just go sort of fully passive. And then with that, you do pay a lower investment cost, and it just kinda tracks what the markets are doing. And you're not sort of betting on a fund manager to make the right decisions, especially with the markets\n\nChannel 1: Yep.\n\nChannel 0: at the moment, there is obviously opportunities to be able to outperform the market when the markets are topsy-turvy like this. But also\n\nChannel 1: Yep.\n\nChannel 0: with those many funds, it's also like that did occur as the option that it does potentially out like, perform worse than just what the markets are doing as well, if that\n\nChannel 1: Yeah.\n\nChannel 0: makes sense.\n\nChannel 1: Okay. Yeah. Yeah. It does. Yeah.\n\nI know. That one.\n\nChannel 0: Yeah. Because we can show you sort of what it looks like, and then you can sort of make a decision. We can show you what the, like, if we go with a more passive approach, which is that lower cost, it will save you sort of ongoing money. And given that you're not contributing sorta at the moment,\n\nChannel 1: Yep.\n\nChannel 0: it'll mean that you sort of like, fees are lower in terms of, like, the investment cost, which is, like, a guaranteed\n\nChannel 1: Yeah.\n\nChannel 0: savings even if it doesn't perform as well as, like, if you didn't have an active portal portion that did perform well, if that makes sense. Because\n\nChannel 1: Yeah.\n\nChannel 0: it's not\n\nChannel 1: Sounds\n\nChannel 0: like the\n\nChannel 1: a little\n\nChannel 0: whole port\n\nChannel 1: bit.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: It's not like the whole portfolio would be active anyway. There would be a portion\n\nChannel 1: Yep.\n\nChannel 0: that would be passive that sorta is lower cost. The core of the portfolio with, like, either the active portion or not.\n\nChannel 1: What what would you what what would you recommend?\n\nChannel 0: It's a bit of a flip of the coin at the moment. Obviously, with the markets, like, overall, they still, like, have been tracking well over the past five years just with the indexes. So you can't really go wrong if you were just in the indexes for the past five years. And\n\nChannel 1: Yeah.\n\nChannel 0: in\n\nChannel 1: Well,\n\nChannel 0: saying\n\nChannel 1: I've\n\nChannel 0: that\n\nChannel 1: done\n\nChannel 0: it is\n\nChannel 1: it.\n\nChannel 0: oh,\n\nChannel 1: I've\n\nChannel 0: sorry.\n\nChannel 1: done anything in the next sort of twelve months. He's gonna settle settle down, is it?\n\nChannel 0: Yeah.\n\nChannel 1: Like,\n\nChannel 0: So\n\nChannel 1: with the walls on time.\n\nChannel 0: yeah. So so with that, like, as long as the the markets continue to tick along, like, they haven't\n\nChannel 1: Yeah.\n\nChannel 0: responded, like, horrifically to those, like, wars. Obviously, if it kicks off a little bit more, it may sort of take, like, a significant dive, but it's still sorta, you know, ticking along at a pace. Whereas, like, if you do a managed fund, they're obviously making those bets and, you know,\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: True.\n\nChannel 0: a lot harder to make the the right sort of bets when the the times like\n\nChannel 1: Yeah.\n\nChannel 0: now when things change so significantly and sort of something you can't really put on paper as to what you think is gonna\n\nChannel 1: Yep.\n\nChannel 0: happen\n\nChannel 1: Yep.\n\nChannel 0: because,\n\nChannel 1: Yeah.\n\nChannel 0: you know, no one sort of saw the the Iran and Venezuela thing coming sort of, you know, in your bingo card for the start of 2026.\n\nChannel 1: No. Definitely not. Yeah. Yeah. I'll probably start then\n\nChannel 0: Yep.\n\nChannel 1: with the\n\nChannel 0: As I\n\nChannel 1: log\n\nChannel 0: said, like\n\nChannel 1: what you're saying the log restart. If it's just\n\nChannel 0: yeah.\n\nChannel 1: poking along, it's better than yeah.\n\nChannel 0: And you'll still have the same allocation to, like, growth assets. You just won't have, like, an active fund manager trying to, like, do buyers and sales to find value in\n\nChannel 1: Yep.\n\nChannel 0: the market. It'll just track what the market themselves are\n\nChannel 1: Yep. Sure. I lost\n\nChannel 0: doing.\n\nChannel 1: it. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: That's\n\nChannel 0: And then with that there, that documents there for you to review just what did occur the last twelve months there will just be going to DanielMullins1@BigPond.com, if that's still correct?\n\nChannel 1: it. Correct. Yep.\n\nChannel 0: Perfect. So that'll come through. So feel free to review that and come back with any questions you may have. Now the other thing I want to have a quick chat about is that you've got the the life and TPD portion. With your insurances, you don't currently hold any income protection or, like, trauma insurance.\n\nNow\n\nChannel 1: Oh,\n\nChannel 0: given\n\nChannel 1: I have\n\nChannel 0: that you\n\nChannel 1: got I have got income protection. I had to do that to get\n\nChannel 0: have through business.\n\nChannel 1: to, like, a business in town. So I that that was\n\nChannel 0: Yep. Is it like a key person's business insurance,\n\nChannel 1: one\n\nChannel 0: or is it like an actual income\n\nChannel 1: of\n\nChannel 0: protection policy?\n\nChannel 1: their requirements. I think it's a proper policy. Yeah. And I think\n\nChannel 0: Okay.\n\nChannel 1: I'm locked in to it to 2047 for memory. Like, I can opt out what I want, but so yeah. It's\n\nChannel 0: That's\n\nChannel 1: it's\n\nChannel 0: how long\n\nChannel 1: for\n\nChannel 0: it\n\nChannel 1: me\n\nChannel 0: will\n\nChannel 1: to\n\nChannel 0: last\n\nChannel 1: get\n\nChannel 0: through\n\nChannel 1: any\n\nChannel 0: to?\n\nChannel 1: work with this company or I have to be in one.\n\nChannel 0: Yep. And are your insurances something that you wanna review? Because, obviously, at the moment, your death and total parent dispute at the moment, they cover, you know, for about, like, a bit over half of, like, your current mortgage debt.\n\nChannel 1: Yep.\n\nChannel 0: Okay. And you don't like, obviously, you have the income protection policy with us or the trauma insurance, which is, like, an outside\n\nChannel 1: No.\n\nChannel 0: super insurance in the event that\n\nChannel 1: What?\n\nChannel 0: anything needs to happen, but, like, strokes, heart attacks, things like that.\n\nChannel 1: Yep.\n\nChannel 0: Is this something you wanna look at reviewing and going through the pre assessment process to be out of sort of review those insurances, giving you a new level of debt? Or\n\nChannel 1: I'll probably I don't even know when I'm talking anytime soon.\n\nChannel 0: yeah. Obviously, it, like, it comes down to, like, what you're comfortable with. Obviously, if your partner is still working as well and she's able to cover, like, her half of the debt, if, like, were to go wrong, it just means that worst case\n\nChannel 1: Yes.\n\nChannel 0: scenario, if something did happen to you and you're unable to work and you are totally permanently disabled, you would be\n\nChannel 1: Yes.\n\nChannel 0: able to pay off about half the mortgage. But when it comes to anything far that, you'd probably have to look at either, you know, relying on your investment property income, government assistance programs that you're eligible for, things like that as well.\n\nChannel 1: Yeah.\n\nChannel 0: If\n\nChannel 1: What\n\nChannel 0: you could\n\nChannel 1: would would that be a higher premium if if I did up that rate? Obviously,\n\nChannel 0: yeah.\n\nChannel 1: it would\n\nChannel 0: That\n\nChannel 1: be.\n\nChannel 0: yeah. If you increase the sum insured, obviously, it does go up. At the moment, you're only paying around 1,100 per annum in terms\n\nChannel 1: Yep.\n\nChannel 0: of, like, insurance cost, so it's not very high. You could look to either increase, you know, the the benefit amount for life and TPD or look at, you know, doing a lump sort of together with an IP policy and just having it all in one spot or looking at, you know, the outside trauma insurance as well. But if you're comfortable with the level of amount that you do have currently, it's not to say that it's bad by any means. It just means you'd have to work towards being a little bit more self insured, which\n\nChannel 1: Yeah.\n\nChannel 0: is where savings comes into it, building up your equity within the property, things like that as well.\n\nChannel 1: Yeah. I got.\n\nChannel 0: Because all yeah. All insurance is at the end of the day is, like, risk mitigation. There's no, like, sort of guarantee you're ever gonna claim on it. So some people do prefer to work towards being a little bit more self insured and not having to pay as high premium and just having a little bit of it. Some people like to cover fully if anything was to go wrong and then sort of not self insure as much at the end of the day\n\nChannel 1: Yep.\n\nChannel 0: as well.\n\nChannel 1: Yeah. Well, I think yeah. I'll probably just leave it where it is, but the current time.\n\nChannel 0: Yep. No. Completely understandable. If you're you're happy with that and you're happy with the level of covers that you have, if you could email through the the IP policy just so we could have it on\n\nChannel 1: Yep.\n\nChannel 0: file as something we have, and then we might get them to send out a third party authority just to get a bit of information on that one just so we've got it for our reference as well\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: Okay.\n\nChannel 0: anything does happen. But I'll what was that? Sorry. Just cut out just a little bit. Yeah.\n\nPerfect. Do you have one of our emails there, like info at Oakview Financial already?\n\nChannel 1: And, yeah, I'll I'll get the it'll be just the same as what the newsletter and everything.\n\nChannel 0: I'm not too sure if it does come through as the same one as the newsletter, but it is just info at\n\nChannel 1: Yes.\n\nChannel 0: Oakview\n\nChannel 1: Yes.\n\nChannel 0: Financial dot com dot a u. Yeah. Okay. Brilliant. If you just send that one through, that'd be great.\n\nSo we're\n\nChannel 1: Okay.\n\nChannel 0: gonna review that. And then in the back end there, we'll just look at doing the research on that, look at getting that updated there for you in terms of the investment review. But is there any anything else that you wanted particular advice on anything else you wanted to review at the moment? Like, obviously, I know you're speaking to an account and maybe have a chat with a a mortgage broker down the track, but if you reach out. But is there anything that you want specifically addressed or reviewed at this time?\n\nLike or pretty\n\nChannel 1: Not really. Yeah. It's just both of us to just knock on down sort of thing. Yeah.\n\nChannel 0: yeah. That's not a problem\n\nChannel 1: But\n\nChannel 0: at all.\n\nChannel 1: as\n\nChannel 0: Obviously\n\nChannel 1: I say, is that because my wife's with you guys as well, so I have no doubt easily talking to her in the next couple of days or weeks.\n\nChannel 0: yeah. I think when would\n\nChannel 1: So\n\nChannel 0: that be coming up? I'd have to check when her annual review would be be\n\nChannel 1: and\n\nChannel 0: coming\n\nChannel 1: normally,\n\nChannel 0: up there as\n\nChannel 1: she's Monday because she's she's in the office on a Monday. But she does all the accounts Monday.\n\nChannel 0: okay.\n\nChannel 1: So yeah. So I'd say probably like to do some yeah. Monday or the next fortnight or so.\n\nChannel 0: Yep. Right. Well, yeah, I'll see where that's at with that as well. In regards to that and, yeah, you do have that 1.1% coupling fee, which is still active. So that's good as well in terms of, like, your ongoing fees, which is good.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. I'll see with the team and touch base when she's sort of due for annual review and when that's coming up there as well.\n\nChannel 1: Yep.\n\nChannel 0: And then, yeah, even if she wants to have a chat about sort of the the mortgage broker or anything like that and doing that review, then that's more than\n\nChannel 1: Yeah.\n\nChannel 0: fine\n\nChannel 1: It\n\nChannel 0: as\n\nChannel 1: was\n\nChannel 0: well.\n\nChannel 1: that's definitely something to look into.\n\nChannel 0: Yeah. Even if it's like, you know, you don't know unless you sort of have a look at it. And mortgage brokers are generally paid through the institution, so it doesn't really cost you to to check.\n\nChannel 1: Yep.\n\nChannel 0: And then with that, you might be getting a better rate sort of thing as well.\n\nChannel 1: Yeah. For sure.\n\nChannel 0: Perfect. But any questions for me there, Danny, while you've got me in regards to anything?\n\nChannel 1: I'm not right now.\n\nChannel 0: Not a problem at all. Well, I'll let you get back to your day. Obviously, we'll be in touch once they sort of get everything together, get the research together, and get that document together for you in terms of that update\n\nChannel 1: Yep.\n\nChannel 0: and getting that together for you. And then we'll have book in, have a chat, and see what you you think about it. And if you do wanna make some changes from that as well, feel free to sort of vase any concerns you may have in regards to it because, obviously, at the end of the day, it's your money, so you can have a say if you wanna go ahead with it or not.\n\nChannel 1: Okay.\n\nChannel 0: Not a problem, Daniel. Well, enjoy the rest of your day. Take it easy. Don't work too hard out there.\n\nChannel 1: No. I'm probably sitting there. Go ahead and tell him what billing to\n\nChannel 0: Brilliant. Alright, mate. I'll talk soon.\n\nChannel 1: alright.\n\nChannel 0: Catch\n\nChannel 1: Thanks\n\nChannel 0: you later.\n\nChannel 1: a\n\nChannel 0: Bye.\n\nChannel 1: lot. Alright, guys. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.024542024359107018}],"sentiment":"neutral","sentiment_score":0.024542024359107018,"channel":1,"num_words":1,"start":0.88,"end":1.38},{"sentences":[{"text":"Good morning,","start":2.24,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.2648000568151474}],"sentiment":"neutral","sentiment_score":0.2648000568151474,"channel":0,"num_words":2,"start":2.24,"end":2.6399999},{"sentences":[{"text":"Good","start":2.6399999,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.33193686604499817}],"sentiment":"neutral","sentiment_score":0.33193686604499817,"channel":1,"num_words":1,"start":2.6399999,"end":2.8799999},{"sentences":[{"text":"Daniel.","start":2.6399999,"end":2.96,"sentiment":"neutral","sentiment_score":0.2127714157104492}],"sentiment":"neutral","sentiment_score":0.2127714157104492,"channel":0,"num_words":1,"start":2.6399999,"end":2.96},{"sentences":[{"text":"morning,","start":2.8799999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.3057137429714203}],"sentiment":"neutral","sentiment_score":0.3057137429714203,"channel":1,"num_words":1,"start":2.8799999,"end":3.1999998},{"sentences":[{"text":"It's","start":2.96,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.1982541382312775}],"sentiment":"neutral","sentiment_score":0.1982541382312775,"channel":0,"num_words":1,"start":2.96,"end":3.1999998},{"sentences":[{"text":"sir.","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.16439731419086456}],"sentiment":"neutral","sentiment_score":0.16439731419086456,"channel":1,"num_words":1,"start":3.1999998,"end":3.6999998},{"sentences":[{"text":"Carl calling from IP","start":3.1999998,"end":4.56,"sentiment":"neutral","sentiment_score":0.10300113819539547}],"sentiment":"neutral","sentiment_score":0.10300113819539547,"channel":0,"num_words":4,"start":3.1999998,"end":4.56},{"sentences":[{"text":"Hello?","start":4.48,"end":4.98,"sentiment":"neutral","sentiment_score":0.09661053121089937}],"sentiment":"neutral","sentiment_score":0.09661053121089937,"channel":1,"num_words":1,"start":4.48,"end":4.98},{"sentences":[{"text":"Financial Aid today.","start":4.56,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.10412027438481648}],"sentiment":"neutral","sentiment_score":0.10412027438481648,"channel":0,"num_words":3,"start":4.56,"end":5.7799997},{"sentences":[{"text":"Good call there.","start":6.16,"end":6.7999997,"sentiment":"positive","sentiment_score":0.4324934085210164},{"text":"You might","start":6.7999997,"end":7.54,"sentiment":"neutral","sentiment_score":0.19828346371650696}],"sentiment":"positive","sentiment_score":0.33880943059921265,"channel":1,"num_words":5,"start":6.16,"end":7.54},{"sentences":[{"text":"Yeah.","start":7.8399997,"end":8.24,"sentiment":"neutral","sentiment_score":0.22327575087547305},{"text":"Not too bad at all.","start":8.24,"end":8.88,"sentiment":"positive","sentiment_score":0.3515957951545715},{"text":"Thanks for asking.","start":8.88,"end":9.5199995,"sentiment":"positive","sentiment_score":0.6634754339853922},{"text":"I've got you scheduled in for that interview now.","start":9.5199995,"end":11.679999,"sentiment":"positive","sentiment_score":0.34111376934581333},{"text":"Is that now is still a good time?","start":11.679999,"end":13.155,"sentiment":"neutral","sentiment_score":0.2720436491072178}],"sentiment":"positive","sentiment_score":0.35454054406056035,"channel":0,"num_words":26,"start":7.8399997,"end":13.155},{"sentences":[{"text":"Yeah, mate.","start":13.44,"end":14.08,"sentiment":"neutral","sentiment_score":0.22060954570770264},{"text":"Yeah.","start":14.08,"end":14.58,"sentiment":"neutral","sentiment_score":0.33224087953567505}],"sentiment":"neutral","sentiment_score":0.2578199903170268,"channel":1,"num_words":3,"start":13.44,"end":14.58},{"sentences":[{"text":"Perfect.","start":15.715,"end":16.215,"sentiment":"positive","sentiment_score":0.6131665110588074},{"text":"Just to get started on that one, Daniel, if I could just pass you through security, just that name, date of birth, and kind of just we can get stuck into that one today.","start":16.275,"end":22.055,"sentiment":"neutral","sentiment_score":0.2691972777247429}],"sentiment":"neutral","sentiment_score":0.27902497010571614,"channel":0,"num_words":35,"start":15.715,"end":22.055},{"sentences":[{"text":"Daniel Mullins.","start":22.625,"end":23.525,"sentiment":"neutral","sentiment_score":0.03562014177441597},{"text":"So that's the 5981.","start":23.985,"end":26.085,"sentiment":"neutral","sentiment_score":0.05552512872964144},{"text":"And eighty three Mossman's Lane, Menildra.","start":26.785,"end":29.365,"sentiment":"neutral","sentiment_score":0.06342240609228611}],"sentiment":"neutral","sentiment_score":0.056156269585092865,"channel":1,"num_words":12,"start":22.625,"end":29.365},{"sentences":[{"text":"Perfect.","start":31.25,"end":31.65,"sentiment":"positive","sentiment_score":0.5404756665229797},{"text":"Thank you for that one.","start":31.65,"end":32.95,"sentiment":"positive","sentiment_score":0.6359094381332397},{"text":"Now I know you already signed that ongoing service grant at the end of last year.","start":33.17,"end":36.85,"sentiment":"neutral","sentiment_score":0.14853725023567677},{"text":"Things obviously just got a little bit busy.","start":36.85,"end":38.13,"sentiment":"neutral","sentiment_score":-0.05367271322757006},{"text":"We didn't get around to actually completing the full annual review there for you.","start":38.13,"end":41.155,"sentiment":"neutral","sentiment_score":0.026299220509827137}],"sentiment":"neutral","sentiment_score":0.13716877823356877,"channel":0,"num_words":44,"start":31.25,"end":41.155},{"sentences":[{"text":"So what we'll be doing there today is just running through a few documents there, how things have gone for the last twelve months, and then any potential updates there as well.","start":41.155,"end":50.355,"sentiment":"neutral","sentiment_score":0.08070500660687685},{"text":"So what I will do there, Daniel, is I'll just run through, and I'll confirm a few details, make sure everything else is up to date there if","start":50.355,"end":56.809998,"sentiment":"neutral","sentiment_score":0.08587218395301274}],"sentiment":"neutral","sentiment_score":0.0831163560350736,"channel":0,"num_words":60,"start":41.155,"end":56.809998},{"sentences":[{"text":"Yep.","start":56.704998,"end":57.204998,"sentiment":"neutral","sentiment_score":0.04402809590101242}],"sentiment":"neutral","sentiment_score":0.04402809590101242,"channel":1,"num_words":1,"start":56.704998,"end":57.204998},{"sentences":[{"text":"that's alright.","start":56.809998,"end":57.469997,"sentiment":"neutral","sentiment_score":0.10719385743141174},{"text":"Perfect.","start":58.09,"end":58.59,"sentiment":"neutral","sentiment_score":0.2655019760131836},{"text":"The address hasn't changed.","start":59.69,"end":61.29,"sentiment":"neutral","sentiment_score":0.07137788413092494},{"text":"So yep.","start":61.29,"end":62.829998,"sentiment":"neutral","sentiment_score":0.07298366911709309},{"text":"Great.","start":63.53,"end":64.03,"sentiment":"neutral","sentiment_score":0.2735966742038727}],"sentiment":"neutral","sentiment_score":0.11849652398377657,"channel":0,"num_words":10,"start":56.809998,"end":64.03},{"sentences":[{"text":"And then you're still married to Brianna, and she's your next of kin.","start":65.13,"end":69.05,"sentiment":"neutral","sentiment_score":0.1313207080731025},{"text":"Is that still fine?","start":69.05,"end":70.035,"sentiment":"neutral","sentiment_score":0.1071275994181633}],"sentiment":"neutral","sentiment_score":0.12562821191899917,"channel":0,"num_words":17,"start":65.13,"end":70.035},{"sentences":[{"text":"Yep.","start":70.43,"end":70.83,"sentiment":"neutral","sentiment_score":0.051389820873737335},{"text":"That's right.","start":70.83,"end":71.65,"sentiment":"neutral","sentiment_score":0.10499362275004388}],"sentiment":"neutral","sentiment_score":0.08712568879127502,"channel":1,"num_words":3,"start":70.43,"end":71.65},{"sentences":[{"text":"Perfect.","start":72.115005,"end":72.615005,"sentiment":"neutral","sentiment_score":0.1685842126607895},{"text":"Just in regards to that one, we don't have a phone number for Brianna in the event that we couldn't reach you.","start":72.83501,"end":77.955,"sentiment":"neutral","sentiment_score":-0.05202759184281935},{"text":"Did you wanna put down a contact number for her?","start":77.955,"end":80.515,"sentiment":"neutral","sentiment_score":-0.024239212833344938}],"sentiment":"neutral","sentiment_score":-0.036921664733778344,"channel":0,"num_words":33,"start":72.115005,"end":80.515},{"sentences":[{"text":"Yeah.","start":80.285,"end":80.525,"sentiment":"neutral","sentiment_score":-0.006093800999224186}],"sentiment":"neutral","sentiment_score":-0.006093800999224186,"channel":1,"num_words":1,"start":80.285,"end":80.525},{"sentences":[{"text":"Or","start":80.515,"end":81.015,"sentiment":"neutral","sentiment_score":-0.004987269639968872}],"sentiment":"neutral","sentiment_score":-0.004987269639968872,"channel":0,"num_words":1,"start":80.515,"end":81.015},{"sentences":[{"text":"I can.","start":80.525,"end":81.265,"sentiment":"neutral","sentiment_score":0.003902159631252289},{"text":"Yep.","start":81.325,"end":81.825,"sentiment":"neutral","sentiment_score":0.01787889376282692}],"sentiment":"neutral","sentiment_score":0.008561071008443832,"channel":1,"num_words":3,"start":80.525,"end":81.825},{"sentences":[{"text":"Yep.","start":81.875,"end":82.35,"sentiment":"neutral","sentiment_score":0.03509300947189331},{"text":"Perfect.","start":82.35,"end":82.85,"sentiment":"neutral","sentiment_score":0.10349036753177644}],"sentiment":"neutral","sentiment_score":0.06929168850183487,"channel":0,"num_words":2,"start":81.875,"end":82.85},{"sentences":[{"text":"Alright.","start":82.685,"end":83.005,"sentiment":"neutral","sentiment_score":0.053389813750982285},{"text":"So it's 0428","start":83.005,"end":84.625,"sentiment":"neutral","sentiment_score":0.03978767121831576}],"sentiment":"neutral","sentiment_score":0.04318820685148239,"channel":1,"num_words":4,"start":82.685,"end":84.625},{"sentences":[{"text":"Yep.","start":85.07,"end":85.57,"sentiment":"neutral","sentiment_score":0.02694916725158691}],"sentiment":"neutral","sentiment_score":0.02694916725158691,"channel":0,"num_words":1,"start":85.07,"end":85.57},{"sentences":[{"text":"387","start":85.965,"end":87.025,"sentiment":"neutral","sentiment_score":0.02941681072115898}],"sentiment":"neutral","sentiment_score":0.02941681072115898,"channel":1,"num_words":1,"start":85.965,"end":87.025},{"sentences":[{"text":"Perfect.","start":88.75,"end":89.25,"sentiment":"neutral","sentiment_score":0.08113323897123337}],"sentiment":"neutral","sentiment_score":0.08113323897123337,"channel":0,"num_words":1,"start":88.75,"end":89.25},{"sentences":[{"text":"08","start":89.78,"end":90.44,"sentiment":"neutral","sentiment_score":0.029647119343280792}],"sentiment":"neutral","sentiment_score":0.029647119343280792,"channel":1,"num_words":1,"start":89.78,"end":90.44},{"sentences":[{"text":"Great.","start":92.03,"end":92.53,"sentiment":"neutral","sentiment_score":0.12066524475812912},{"text":"And as I said, that's an interview that we couldn't reach you because that's not for any sort of marketing purchase purposes","start":92.75,"end":97.549995,"sentiment":"neutral","sentiment_score":-0.09435323050076311}],"sentiment":"neutral","sentiment_score":-0.08500460114168085,"channel":0,"num_words":23,"start":92.03,"end":97.549995},{"sentences":[{"text":"four.","start":97.22,"end":97.72,"sentiment":"neutral","sentiment_score":-0.0675455629825592}],"sentiment":"neutral","sentiment_score":-0.0675455629825592,"channel":1,"num_words":1,"start":97.22,"end":97.72},{"sentences":[{"text":"or anything like that as well.","start":97.549995,"end":98.985,"sentiment":"neutral","sentiment_score":-0.05943271704018116}],"sentiment":"neutral","sentiment_score":-0.05943271704018116,"channel":0,"num_words":6,"start":97.549995,"end":98.985},{"sentences":[{"text":"Yep.","start":98.659996,"end":99.159996,"sentiment":"neutral","sentiment_score":0.036249928176403046},{"text":"That's fine.","start":99.94,"end":100.84,"sentiment":"neutral","sentiment_score":0.09852445498108864}],"sentiment":"neutral","sentiment_score":0.07776627937952678,"channel":1,"num_words":3,"start":98.659996,"end":100.84},{"sentences":[{"text":"Right.","start":100.405,"end":100.905,"sentiment":"neutral","sentiment_score":0.12467234581708908},{"text":"Perfect.","start":102.485,"end":102.805,"sentiment":"neutral","sentiment_score":0.21237841248512268},{"text":"And still just the three kids at home?","start":102.805,"end":104.665,"sentiment":"neutral","sentiment_score":0.07779815001413226}],"sentiment":"neutral","sentiment_score":0.09594359584152698,"channel":0,"num_words":10,"start":100.405,"end":104.665},{"sentences":[{"text":"Yeah, mate.","start":104.965004,"end":105.705,"sentiment":"neutral","sentiment_score":0.09014490246772766},{"text":"Yep.","start":105.765,"end":106.265,"sentiment":"neutral","sentiment_score":0.08825920522212982}],"sentiment":"neutral","sentiment_score":0.08951633671919505,"channel":1,"num_words":3,"start":104.965004,"end":106.265},{"sentences":[{"text":"Perfect.","start":108.085,"end":108.585,"sentiment":"neutral","sentiment_score":0.0395457036793232},{"text":"Now in regards to your work, I know you're self employed there.","start":109.445,"end":112.585,"sentiment":"neutral","sentiment_score":0.007679159326168398}],"sentiment":"neutral","sentiment_score":0.010130431968718767,"channel":0,"num_words":13,"start":108.085,"end":112.585},{"sentences":[{"text":"Yep.","start":112.965004,"end":113.465004,"sentiment":"neutral","sentiment_score":0.05876901745796203}],"sentiment":"neutral","sentiment_score":0.05876901745796203,"channel":1,"num_words":1,"start":112.965004,"end":113.465004},{"sentences":[{"text":"Now are you still doing that role?","start":113.329994,"end":115.09,"sentiment":"neutral","sentiment_score":0.019075412835393633},{"text":"Has that changed","start":115.09,"end":115.89,"sentiment":"neutral","sentiment_score":0.0009145097186168035}],"sentiment":"neutral","sentiment_score":0.013627141900360584,"channel":0,"num_words":10,"start":113.329994,"end":115.89},{"sentences":[{"text":"Yeah.","start":115.685,"end":116.185,"sentiment":"neutral","sentiment_score":0.02092912048101425}],"sentiment":"neutral","sentiment_score":0.02092912048101425,"channel":1,"num_words":1,"start":115.685,"end":116.185},{"sentences":[{"text":"at all?","start":115.89,"end":116.46999,"sentiment":"neutral","sentiment_score":0.014718290418386458}],"sentiment":"neutral","sentiment_score":0.014718290418386458,"channel":0,"num_words":2,"start":115.89,"end":116.46999},{"sentences":[{"text":"Yes.","start":116.67,"end":117.17,"sentiment":"neutral","sentiment_score":0.05230490863323212},{"text":"No.","start":118.21,"end":118.71,"sentiment":"neutral","sentiment_score":0.0427795872092247}],"sentiment":"neutral","sentiment_score":0.04754224792122841,"channel":1,"num_words":2,"start":116.67,"end":118.71},{"sentences":[{"text":"Perfect.","start":119.49,"end":119.99,"sentiment":"neutral","sentiment_score":0.3281155824661255}],"sentiment":"neutral","sentiment_score":0.3281155824661255,"channel":0,"num_words":1,"start":119.49,"end":119.99},{"sentences":[{"text":"I","start":119.75,"end":120.25,"sentiment":"neutral","sentiment_score":0.04126466065645218}],"sentiment":"neutral","sentiment_score":0.04126466065645218,"channel":1,"num_words":1,"start":119.75,"end":120.25},{"sentences":[{"text":"And then within regards","start":120.28999,"end":121.41,"sentiment":"neutral","sentiment_score":0.01627655839547515}],"sentiment":"neutral","sentiment_score":0.01627655839547515,"channel":0,"num_words":4,"start":120.28999,"end":121.41},{"sentences":[{"text":"haven't","start":121.29,"end":121.79,"sentiment":"neutral","sentiment_score":-0.015721231698989868}],"sentiment":"neutral","sentiment_score":-0.015721231698989868,"channel":1,"num_words":1,"start":121.29,"end":121.79},{"sentences":[{"text":"to that one, we don't have your business","start":121.41,"end":123.009995,"sentiment":"neutral","sentiment_score":-0.05003462824970484}],"sentiment":"neutral","sentiment_score":-0.05003462824970484,"channel":0,"num_words":8,"start":121.41,"end":123.009995},{"sentences":[{"text":"changed.","start":122.83,"end":123.33,"sentiment":"neutral","sentiment_score":-0.06557347625494003}],"sentiment":"neutral","sentiment_score":-0.06557347625494003,"channel":1,"num_words":1,"start":122.83,"end":123.33},{"sentences":[{"text":"name because you were sort of yet to name it the last time it","start":123.009995,"end":125.329994,"sentiment":"neutral","sentiment_score":-0.043688161564724784}],"sentiment":"neutral","sentiment_score":-0.043688161564724784,"channel":0,"num_words":14,"start":123.009995,"end":125.329994},{"sentences":[{"text":"I","start":125.31,"end":125.47,"sentiment":"neutral","sentiment_score":-0.04515356943011284}],"sentiment":"neutral","sentiment_score":-0.04515356943011284,"channel":1,"num_words":1,"start":125.31,"end":125.47},{"sentences":[{"text":"was","start":125.329994,"end":125.56999,"sentiment":"neutral","sentiment_score":-0.055767931044101715}],"sentiment":"neutral","sentiment_score":-0.055767931044101715,"channel":0,"num_words":1,"start":125.329994,"end":125.56999},{"sentences":[{"text":"still","start":125.47,"end":125.97,"sentiment":"neutral","sentiment_score":-0.04643718898296356}],"sentiment":"neutral","sentiment_score":-0.04643718898296356,"channel":1,"num_words":1,"start":125.47,"end":125.97},{"sentences":[{"text":"really spoken about.","start":125.56999,"end":126.495,"sentiment":"neutral","sentiment_score":-0.03856515636046728}],"sentiment":"neutral","sentiment_score":-0.03856515636046728,"channel":0,"num_words":3,"start":125.56999,"end":126.495},{"sentences":[{"text":"haven't.","start":127.23,"end":127.73,"sentiment":"neutral","sentiment_score":-0.06614787131547928}],"sentiment":"neutral","sentiment_score":-0.06614787131547928,"channel":1,"num_words":1,"start":127.23,"end":127.73},{"sentences":[{"text":"Okay.","start":128.575,"end":129.075,"sentiment":"neutral","sentiment_score":0.017471352592110634}],"sentiment":"neutral","sentiment_score":0.017471352592110634,"channel":0,"num_words":1,"start":128.575,"end":129.075},{"sentences":[{"text":"Yeah.","start":129.295,"end":129.795,"sentiment":"neutral","sentiment_score":0.031323906034231186}],"sentiment":"neutral","sentiment_score":0.031323906034231186,"channel":1,"num_words":1,"start":129.295,"end":129.795},{"sentences":[{"text":"Still no.","start":129.615,"end":130.41501,"sentiment":"neutral","sentiment_score":0.025090644136071205},{"text":"That's perfectly fine.","start":130.41501,"end":131.715,"sentiment":"neutral","sentiment_score":0.2258380651473999},{"text":"And how long have you been self employed now since as opposed to, like, industry experience of, like, other employers?","start":132.575,"end":138.035,"sentiment":"neutral","sentiment_score":0.02334465002641082}],"sentiment":"neutral","sentiment_score":0.04778353936970234,"channel":0,"num_words":25,"start":129.615,"end":138.035},{"sentences":[{"text":"Okay.","start":140.33499,"end":140.655,"sentiment":"neutral","sentiment_score":0.02443009614944458},{"text":"And on Beyond, 2021, I think it was, or 2020.","start":140.655,"end":146.40999,"sentiment":"neutral","sentiment_score":0.01858259355649352}],"sentiment":"neutral","sentiment_score":0.019114184701307255,"channel":1,"num_words":11,"start":140.33499,"end":146.40999},{"sentences":[{"text":"So, like, five years out.","start":147.06999,"end":148.03,"sentiment":"neutral","sentiment_score":0.02960379458963871},{"text":"Alright.","start":148.03,"end":148.26999,"sentiment":"neutral","sentiment_score":0.04544548690319061},{"text":"And how long have","start":148.26999,"end":148.82999,"sentiment":"neutral","sentiment_score":0.01798610808327794}],"sentiment":"neutral","sentiment_score":0.026540889218449593,"channel":0,"num_words":10,"start":147.06999,"end":148.82999},{"sentences":[{"text":"Yeah.","start":148.79,"end":149.29,"sentiment":"neutral","sentiment_score":0.023560013622045517}],"sentiment":"neutral","sentiment_score":0.023560013622045517,"channel":1,"num_words":1,"start":148.79,"end":149.29},{"sentences":[{"text":"you been operating heavy equipment?","start":148.82999,"end":150.76999,"sentiment":"neutral","sentiment_score":0.02656937800347805}],"sentiment":"neutral","sentiment_score":0.02656937800347805,"channel":0,"num_words":5,"start":148.82999,"end":150.76999},{"sentences":[{"text":"Made on and off since I was 18.","start":151.82999,"end":154.65,"sentiment":"neutral","sentiment_score":0.03743635443970561},{"text":"So","start":154.70999,"end":155.20999,"sentiment":"neutral","sentiment_score":0.08862436562776566}],"sentiment":"neutral","sentiment_score":0.04312391123837895,"channel":1,"num_words":9,"start":151.82999,"end":155.20999},{"sentences":[{"text":"Yep.","start":156.495,"end":156.995,"sentiment":"neutral","sentiment_score":0.21784794330596924},{"text":"Perfect.","start":157.05501,"end":157.455,"sentiment":"positive","sentiment_score":0.47590702772140503},{"text":"So quite some time.","start":157.455,"end":158.515,"sentiment":"neutral","sentiment_score":0.2588901221752167},{"text":"Got a bit","start":158.575,"end":158.975,"sentiment":"neutral","sentiment_score":0.15547193586826324}],"sentiment":"neutral","sentiment_score":0.2439701408147812,"channel":0,"num_words":9,"start":156.495,"end":158.975},{"sentences":[{"text":"yeah.","start":158.895,"end":159.395,"sentiment":"neutral","sentiment_score":0.16656041145324707}],"sentiment":"neutral","sentiment_score":0.16656041145324707,"channel":1,"num_words":1,"start":158.895,"end":159.395},{"sentences":[{"text":"under your belt.","start":158.975,"end":159.875,"sentiment":"neutral","sentiment_score":0.16499541699886322}],"sentiment":"neutral","sentiment_score":0.16499541699886322,"channel":0,"num_words":3,"start":158.975,"end":159.875},{"sentences":[{"text":"Yeah.","start":159.935,"end":160.335,"sentiment":"neutral","sentiment_score":0.12341216206550598},{"text":"Yep.","start":160.335,"end":160.835,"sentiment":"neutral","sentiment_score":0.11473974585533142}],"sentiment":"neutral","sentiment_score":0.1190759539604187,"channel":1,"num_words":2,"start":159.935,"end":160.835},{"sentences":[{"text":"Right.","start":162.41501,"end":162.91501,"sentiment":"neutral","sentiment_score":0.08022917807102203},{"text":"And in terms of, like, hours you're working per week, do you know roughly sort of what hours you're pulling each week?","start":163.295,"end":170.12999,"sentiment":"neutral","sentiment_score":0.029070860621604053}],"sentiment":"neutral","sentiment_score":0.03129513529331788,"channel":0,"num_words":23,"start":162.41501,"end":170.12999},{"sentences":[{"text":"Forty forty odd forty five.","start":177.3,"end":179.72,"sentiment":"neutral","sentiment_score":0.023053168132901192},{"text":"Around","start":182.835,"end":183.335,"sentiment":"neutral","sentiment_score":0.17969337105751038}],"sentiment":"neutral","sentiment_score":0.049159868620336056,"channel":1,"num_words":6,"start":177.3,"end":183.335},{"sentences":[{"text":"Perfect.","start":184.125,"end":184.625,"sentiment":"neutral","sentiment_score":0.29069843888282776}],"sentiment":"neutral","sentiment_score":0.29069843888282776,"channel":0,"num_words":1,"start":184.125,"end":184.625},{"sentences":[{"text":"that.","start":184.43501,"end":184.93501,"sentiment":"neutral","sentiment_score":0.14460796117782593}],"sentiment":"neutral","sentiment_score":0.14460796117782593,"channel":1,"num_words":1,"start":184.43501,"end":184.93501},{"sentences":[{"text":"And you're still paying","start":186.765,"end":188.20499,"sentiment":"neutral","sentiment_score":0.03994438564404845}],"sentiment":"neutral","sentiment_score":0.03994438564404845,"channel":0,"num_words":4,"start":186.765,"end":188.20499},{"sentences":[{"text":"Yeah.","start":188.11502,"end":188.61502,"sentiment":"neutral","sentiment_score":0.01240449585020542}],"sentiment":"neutral","sentiment_score":0.01240449585020542,"channel":1,"num_words":1,"start":188.11502,"end":188.61502},{"sentences":[{"text":"yourself the $1.20 per annum?","start":188.20499,"end":189.825,"sentiment":"neutral","sentiment_score":0.022108859568834304}],"sentiment":"neutral","sentiment_score":0.022108859568834304,"channel":0,"num_words":5,"start":188.20499,"end":189.825},{"sentences":[{"text":"And I hadn't really changed the water.","start":191.79501,"end":193.55501,"sentiment":"neutral","sentiment_score":-0.08477307057806424},{"text":"If it did, it wouldn't have been much.","start":193.55501,"end":195.41501,"sentiment":"neutral","sentiment_score":-0.03195776848588139}],"sentiment":"neutral","sentiment_score":-0.056604909462233385,"channel":1,"num_words":15,"start":191.79501,"end":195.41501},{"sentences":[{"text":"Yeah.","start":196.78,"end":197.09999,"sentiment":"neutral","sentiment_score":0.06725335121154785},{"text":"Not a problem.","start":197.09999,"end":197.92,"sentiment":"neutral","sentiment_score":0.10518053298195203},{"text":"And then as far as your, like, savings and expenditures go, do you know roughly obviously, you know, with the the build on the land and things like that, things are probably a little bit more stretched than usual.","start":199.09999,"end":208.485,"sentiment":"neutral","sentiment_score":-0.060833170341375545},{"text":"But do you know roughly what your expenditures and savings are per week?","start":208.485,"end":212.265,"sentiment":"neutral","sentiment_score":-0.021920757224926583}],"sentiment":"neutral","sentiment_score":-0.040619081019290855,"channel":0,"num_words":56,"start":196.78,"end":212.265},{"sentences":[{"text":"Well, fuel because I'm busy in weeks, fuel would be 300 to 400.","start":216.255,"end":223.075,"sentiment":"neutral","sentiment_score":-0.0763263596365085},{"text":"Saving me, I'm not totally sure.","start":227.63,"end":230.53001,"sentiment":"neutral","sentiment_score":-0.15151531249284744}],"sentiment":"neutral","sentiment_score":-0.10007023948587869,"channel":1,"num_words":19,"start":216.255,"end":230.53001},{"sentences":[{"text":"You don't have a set amount that you're sort of trying to put away in a savings","start":231.875,"end":234.675,"sentiment":"neutral","sentiment_score":-0.14291571825742722}],"sentiment":"neutral","sentiment_score":-0.14291571825742722,"channel":0,"num_words":17,"start":231.875,"end":234.675},{"sentences":[{"text":"Well,","start":234.59001,"end":234.91,"sentiment":"neutral","sentiment_score":-0.08175937831401825}],"sentiment":"neutral","sentiment_score":-0.08175937831401825,"channel":1,"num_words":1,"start":234.59001,"end":234.91},{"sentences":[{"text":"account or","start":234.675,"end":234.995,"sentiment":"neutral","sentiment_score":-0.08103489130735397}],"sentiment":"neutral","sentiment_score":-0.08103489130735397,"channel":0,"num_words":2,"start":234.675,"end":234.995},{"sentences":[{"text":"everything","start":234.91,"end":235.15001,"sentiment":"neutral","sentiment_score":-0.07887808978557587}],"sentiment":"neutral","sentiment_score":-0.07887808978557587,"channel":1,"num_words":1,"start":234.91,"end":235.15001},{"sentences":[{"text":"an offset","start":234.995,"end":235.395,"sentiment":"neutral","sentiment_score":-0.08097175136208534}],"sentiment":"neutral","sentiment_score":-0.08097175136208534,"channel":0,"num_words":2,"start":234.995,"end":235.395},{"sentences":[{"text":"we got","start":235.15001,"end":235.89001,"sentiment":"neutral","sentiment_score":-0.0712512843310833}],"sentiment":"neutral","sentiment_score":-0.0712512843310833,"channel":1,"num_words":2,"start":235.15001,"end":235.89001},{"sentences":[{"text":"account, I think?","start":235.395,"end":236.215,"sentiment":"neutral","sentiment_score":-0.06908541296919186}],"sentiment":"neutral","sentiment_score":-0.06908541296919186,"channel":0,"num_words":3,"start":235.395,"end":236.215},{"sentences":[{"text":"everything we got, and then go straight off into more bank.","start":236.43001,"end":239.95001,"sentiment":"neutral","sentiment_score":-0.0897514247758822},{"text":"And then yeah.","start":239.95001,"end":241.97,"sentiment":"neutral","sentiment_score":-0.0031250479320685067}],"sentiment":"neutral","sentiment_score":-0.07118862973792213,"channel":1,"num_words":14,"start":236.43001,"end":241.97},{"sentences":[{"text":"Yep.","start":244.61,"end":245.11,"sentiment":"neutral","sentiment_score":0.03535347431898117},{"text":"And did your partner deal with, like, the household expenses type deal and","start":245.17,"end":248.29,"sentiment":"neutral","sentiment_score":0.010626485714545617}],"sentiment":"neutral","sentiment_score":0.012392699186291014,"channel":0,"num_words":14,"start":244.61,"end":248.29},{"sentences":[{"text":"She","start":248.085,"end":248.405,"sentiment":"neutral","sentiment_score":0.022239500656723976}],"sentiment":"neutral","sentiment_score":0.022239500656723976,"channel":1,"num_words":1,"start":248.085,"end":248.405},{"sentences":[{"text":"you're","start":248.29,"end":248.45,"sentiment":"neutral","sentiment_score":0.012389905750751495}],"sentiment":"neutral","sentiment_score":0.012389905750751495,"channel":0,"num_words":1,"start":248.29,"end":248.45},{"sentences":[{"text":"does.","start":248.405,"end":248.80501,"sentiment":"neutral","sentiment_score":-0.0002953130751848221}],"sentiment":"neutral","sentiment_score":-0.0002953130751848221,"channel":1,"num_words":1,"start":248.405,"end":248.80501},{"sentences":[{"text":"just putting","start":248.45,"end":248.93,"sentiment":"neutral","sentiment_score":-0.011881529353559017}],"sentiment":"neutral","sentiment_score":-0.011881529353559017,"channel":0,"num_words":2,"start":248.45,"end":248.93},{"sentences":[{"text":"Yeah.","start":248.80501,"end":249.30501,"sentiment":"neutral","sentiment_score":-0.0008561089634895325}],"sentiment":"neutral","sentiment_score":-0.0008561089634895325,"channel":1,"num_words":1,"start":248.80501,"end":249.30501},{"sentences":[{"text":"yeah.","start":249.25,"end":249.75,"sentiment":"neutral","sentiment_score":0.0020029600709676743}],"sentiment":"neutral","sentiment_score":0.0020029600709676743,"channel":0,"num_words":1,"start":249.25,"end":249.75},{"sentences":[{"text":"Yeah.","start":249.68501,"end":250.005,"sentiment":"neutral","sentiment_score":0.003055775538086891},{"text":"And then once I get, like which I'm yet to.","start":250.005,"end":253.785,"sentiment":"neutral","sentiment_score":-0.020629349909722806},{"text":"Like, once my account builds up to what it is at the moment, I usually just take a whack off the health plan.","start":254.725,"end":261.8,"sentiment":"neutral","sentiment_score":-0.23917181951844174}],"sentiment":"neutral","sentiment_score":-0.1677702815436265,"channel":1,"num_words":34,"start":249.68501,"end":261.8},{"sentences":[{"text":"Yep.","start":263.81998,"end":264.3,"sentiment":"neutral","sentiment_score":-0.033179283142089844},{"text":"Not a problem.","start":264.3,"end":265.28,"sentiment":"neutral","sentiment_score":0.16540644814570746},{"text":"And in terms of super guarantee, now I know at one point you were, like, sort of doing 20,000 per annum as, like,","start":266.13998,"end":272.62,"sentiment":"neutral","sentiment_score":0.07152166444322337}],"sentiment":"neutral","sentiment_score":0.07807549420330259,"channel":0,"num_words":27,"start":263.81998,"end":272.62},{"sentences":[{"text":"Yeah.","start":272.435,"end":272.935,"sentiment":"neutral","sentiment_score":0.06585808098316193}],"sentiment":"neutral","sentiment_score":0.06585808098316193,"channel":1,"num_words":1,"start":272.435,"end":272.935},{"sentences":[{"text":"lump sum concessional contributions.","start":272.62,"end":274.24,"sentiment":"neutral","sentiment_score":0.11380450800061226},{"text":"Are you planning on starting those back up at all, or are you","start":274.53998,"end":277.68,"sentiment":"neutral","sentiment_score":0.027560726237984803}],"sentiment":"neutral","sentiment_score":0.047853380770367736,"channel":0,"num_words":17,"start":272.62,"end":277.68},{"sentences":[{"text":"Well, yeah, I'd have I've actually got a mate to chat on Monday.","start":277.31497,"end":281.735,"sentiment":"neutral","sentiment_score":0.11480279954580161},{"text":"I'm pretty sure.","start":283.47498,"end":284.275,"sentiment":"neutral","sentiment_score":0.09683424482742946},{"text":"So I'd I'd get yet to speak to he's got he's been with us for the last","start":284.275,"end":289.00998,"sentiment":"neutral","sentiment_score":0.05358497206779087}],"sentiment":"neutral","sentiment_score":0.08163283799182285,"channel":1,"num_words":33,"start":277.31497,"end":289.00998},{"sentences":[{"text":"Okay.","start":289.93,"end":290.43,"sentiment":"neutral","sentiment_score":0.035259030759334564}],"sentiment":"neutral","sentiment_score":0.035259030759334564,"channel":0,"num_words":1,"start":289.93,"end":290.43},{"sentences":[{"text":"two years, and I'm yet to meet him.","start":290.50998,"end":292.53,"sentiment":"neutral","sentiment_score":0.03667440451681614},{"text":"So yeah.","start":293.63,"end":294.61,"sentiment":"neutral","sentiment_score":0.07609037309885025},{"text":"Possibly, yeah.","start":295.07,"end":296.11,"sentiment":"neutral","sentiment_score":0.08587256632745266},{"text":"Yeah.","start":296.11,"end":296.61,"sentiment":"neutral","sentiment_score":0.13458165526390076}],"sentiment":"neutral","sentiment_score":0.05783867463469505,"channel":1,"num_words":13,"start":290.50998,"end":296.61},{"sentences":[{"text":"Yeah.","start":298.72998,"end":298.97,"sentiment":"neutral","sentiment_score":0.1627202033996582},{"text":"Because, obviously, that does make a difference in regards to your superannuation.","start":298.97,"end":301.87,"sentiment":"neutral","sentiment_score":0.16217564853529134},{"text":"Like, obviously, you've got nice amount of assets outside of superannuation from, like, being self employed and being able to contribute a lot more of that money towards those sort of assets paying off the mortgage investment property, things like that as well.","start":302.33,"end":314.635,"sentiment":"neutral","sentiment_score":0.1346300979859607},{"text":"But it does sort of, you know, affect your your balance and how that does grow as well if you're not","start":315.73502,"end":320.85,"sentiment":"neutral","sentiment_score":-0.10166350361846742}],"sentiment":"neutral","sentiment_score":0.07484400809391753,"channel":0,"num_words":77,"start":298.72998,"end":320.85},{"sentences":[{"text":"Yeah.","start":320.63,"end":321.03,"sentiment":"neutral","sentiment_score":0.00024436041712760925},{"text":"For","start":321.03,"end":321.27002,"sentiment":"neutral","sentiment_score":0.0028803572058677673}],"sentiment":"neutral","sentiment_score":0.0015623588114976883,"channel":1,"num_words":2,"start":320.63,"end":321.27002},{"sentences":[{"text":"contributing","start":321.09,"end":321.59,"sentiment":"neutral","sentiment_score":-0.024092458188533783}],"sentiment":"neutral","sentiment_score":-0.024092458188533783,"channel":0,"num_words":1,"start":321.09,"end":321.59},{"sentences":[{"text":"sure.","start":321.27002,"end":321.77002,"sentiment":"neutral","sentiment_score":0.017879173159599304}],"sentiment":"neutral","sentiment_score":0.017879173159599304,"channel":1,"num_words":1,"start":321.27002,"end":321.77002},{"sentences":[{"text":"to to superannuation.","start":321.81,"end":322.63,"sentiment":"neutral","sentiment_score":0.058286761244138084},{"text":"That's that's fine.","start":323.41,"end":324.63,"sentiment":"positive","sentiment_score":0.3450495700041453},{"text":"I'll leave that with you in your meeting with the account.","start":325.09,"end":326.93,"sentiment":"neutral","sentiment_score":0.30458484996448865},{"text":"And if you're just sort of planning on do it as well, you can obviously do the concession and claim that notice of intent, but he'll know all about that as well.","start":326.93,"end":335.75,"sentiment":"neutral","sentiment_score":0.19365029665641487}],"sentiment":"neutral","sentiment_score":0.21953575176243878,"channel":0,"num_words":49,"start":321.81,"end":335.75},{"sentences":[{"text":"Yeah.","start":335.775,"end":336.275,"sentiment":"neutral","sentiment_score":0.2671096622943878},{"text":"Yeah.","start":336.735,"end":337.235,"sentiment":"positive","sentiment_score":0.4101609885692597}],"sentiment":"positive","sentiment_score":0.33863532543182373,"channel":1,"num_words":2,"start":335.775,"end":337.235},{"sentences":[{"text":"Perfect.","start":338.205,"end":338.705,"sentiment":"positive","sentiment_score":0.5983860492706299},{"text":"And then as far as the assets and liabilities, you know, it's updated.","start":339.245,"end":342.225,"sentiment":"neutral","sentiment_score":0.08550171324839959},{"text":"So the house is worth around 400 with no no mortgage left on that one.","start":342.365,"end":347.185,"sentiment":"neutral","sentiment_score":0.025165941566228867}],"sentiment":"neutral","sentiment_score":0.0719792222411468,"channel":0,"num_words":29,"start":338.205,"end":347.185},{"sentences":[{"text":"On the old house?","start":347.72,"end":348.94,"sentiment":"neutral","sentiment_score":-0.044494811445474625}],"sentiment":"neutral","sentiment_score":-0.044494811445474625,"channel":1,"num_words":4,"start":347.72,"end":348.94},{"sentences":[{"text":"Yeah.","start":350.22,"end":350.46002,"sentiment":"neutral","sentiment_score":0.0008350033313035965},{"text":"The old primary.","start":350.46002,"end":351.36002,"sentiment":"neutral","sentiment_score":-0.03999200649559498}],"sentiment":"neutral","sentiment_score":-0.029785254038870335,"channel":0,"num_words":4,"start":350.22,"end":351.36002},{"sentences":[{"text":"That's right.","start":352.04,"end":352.86,"sentiment":"neutral","sentiment_score":0.05363290011882782},{"text":"Yeah.","start":354.04,"end":354.36,"sentiment":"neutral","sentiment_score":0.07584095746278763},{"text":"I think it'd be still around at 4, maybe $4.04 50 probably maybe now.","start":354.36,"end":359.5,"sentiment":"neutral","sentiment_score":0.04008798434266022}],"sentiment":"neutral","sentiment_score":0.04378461991162861,"channel":1,"num_words":17,"start":352.04,"end":359.5},{"sentences":[{"text":"Yep.","start":359.66,"end":359.9,"sentiment":"neutral","sentiment_score":0.027340471744537354},{"text":"And is that now an investment property like you're not living in anymore?","start":359.9,"end":362.88,"sentiment":"neutral","sentiment_score":-0.11958655485740075}],"sentiment":"neutral","sentiment_score":-0.1090917672429766,"channel":0,"num_words":14,"start":359.66,"end":362.88},{"sentences":[{"text":"No.","start":364.385,"end":364.705,"sentiment":"negative","sentiment_score":-0.3425719141960144},{"text":"No.","start":364.705,"end":365.025,"sentiment":"negative","sentiment_score":-0.342936635017395},{"text":"Yeah.","start":365.025,"end":365.26498,"sentiment":"neutral","sentiment_score":-0.1838420927524567},{"text":"No.","start":365.26498,"end":365.76498,"sentiment":"negative","sentiment_score":-0.399758517742157},{"text":"It's been been ran to the right.","start":366.305,"end":369.445,"sentiment":"neutral","sentiment_score":-0.28379410931042265}],"sentiment":"neutral","sentiment_score":-0.29596981135281647,"channel":1,"num_words":11,"start":364.385,"end":369.445},{"sentences":[{"text":"Yep.","start":370.64502,"end":371.125,"sentiment":"neutral","sentiment_score":-0.08676785230636597},{"text":"And then as far as, like, the land you had in that build there, that's all finalized now, and you're living in that one currently?","start":371.125,"end":376.825,"sentiment":"neutral","sentiment_score":0.1614758324623108}],"sentiment":"neutral","sentiment_score":0.1519279984327463,"channel":0,"num_words":26,"start":370.64502,"end":376.825},{"sentences":[{"text":"Yep.","start":377.39,"end":377.87003,"sentiment":"neutral","sentiment_score":0.1491820216178894},{"text":"Yep.","start":377.87003,"end":378.37003,"sentiment":"neutral","sentiment_score":0.12489072978496552}],"sentiment":"neutral","sentiment_score":0.13703637570142746,"channel":1,"num_words":2,"start":377.39,"end":378.37003},{"sentences":[{"text":"Yep.","start":378.47,"end":378.79,"sentiment":"neutral","sentiment_score":0.13877953588962555},{"text":"And do you know roughly what that one's worth now?","start":378.79,"end":380.97,"sentiment":"neutral","sentiment_score":0.06491569876670837}],"sentiment":"neutral","sentiment_score":0.07163059305060994,"channel":0,"num_words":11,"start":378.47,"end":380.97},{"sentences":[{"text":"Well, $700,007.30 or 40 build on the price was $2.50.","start":383.71002,"end":391.13498,"sentiment":"neutral","sentiment_score":0.07421788349747657},{"text":"So yeah.","start":391.13498,"end":394.01498,"sentiment":"neutral","sentiment_score":0.10635297372937202},{"text":"I suppose it'd be close","start":394.01498,"end":396.01498,"sentiment":"neutral","sentiment_score":0.10348780155181884}],"sentiment":"neutral","sentiment_score":0.08660728177603554,"channel":1,"num_words":17,"start":383.71002,"end":396.01498},{"sentences":[{"text":"Close","start":395.925,"end":396.165,"sentiment":"neutral","sentiment_score":0.06861463934183121}],"sentiment":"neutral","sentiment_score":0.06861463934183121,"channel":0,"num_words":1,"start":395.925,"end":396.165},{"sentences":[{"text":"to","start":396.01498,"end":396.255,"sentiment":"neutral","sentiment_score":0.10411399602890016}],"sentiment":"neutral","sentiment_score":0.10411399602890016,"channel":1,"num_words":1,"start":396.01498,"end":396.255},{"sentences":[{"text":"to","start":396.165,"end":396.405,"sentiment":"neutral","sentiment_score":0.13088484108448029}],"sentiment":"neutral","sentiment_score":0.13088484108448029,"channel":0,"num_words":1,"start":396.165,"end":396.405},{"sentences":[{"text":"a","start":396.255,"end":396.505,"sentiment":"neutral","sentiment_score":0.11798374354839324}],"sentiment":"neutral","sentiment_score":0.11798374354839324,"channel":1,"num_words":1,"start":396.255,"end":396.505},{"sentences":[{"text":"a","start":396.405,"end":396.485,"sentiment":"neutral","sentiment_score":0.0871078372001648}],"sentiment":"neutral","sentiment_score":0.0871078372001648,"channel":0,"num_words":1,"start":396.405,"end":396.485},{"sentences":[{"text":"million.","start":396.505,"end":397.005,"sentiment":"neutral","sentiment_score":0.12500876188278198}],"sentiment":"neutral","sentiment_score":0.12500876188278198,"channel":1,"num_words":1,"start":396.505,"end":397.005},{"sentences":[{"text":"yep.","start":397.205,"end":397.705,"sentiment":"neutral","sentiment_score":0.21729035675525665},{"text":"Perfect.","start":398.645,"end":399.145,"sentiment":"positive","sentiment_score":0.627604603767395},{"text":"And then do you know roughly what's owing left on that one?","start":399.205,"end":401.88,"sentiment":"neutral","sentiment_score":0.13079463690519333}],"sentiment":"neutral","sentiment_score":0.17245932881321227,"channel":0,"num_words":14,"start":397.205,"end":401.88},{"sentences":[{"text":"700, I think.","start":407.22,"end":408.76,"sentiment":"neutral","sentiment_score":0.021895768741766613},{"text":"Yeah.","start":412.26,"end":412.76,"sentiment":"neutral","sentiment_score":0.06416526436805725}],"sentiment":"neutral","sentiment_score":0.03246314264833927,"channel":1,"num_words":4,"start":407.22,"end":412.76},{"sentences":[{"text":"Yep.","start":412.68,"end":413.18,"sentiment":"neutral","sentiment_score":0.0774749144911766}],"sentiment":"neutral","sentiment_score":0.0774749144911766,"channel":0,"num_words":1,"start":412.68,"end":413.18},{"sentences":[{"text":"Mate, but but probably the late sevens.","start":414.66,"end":416.9,"sentiment":"neutral","sentiment_score":0.0015628933906555171},{"text":"Okay.","start":416.9,"end":417.4,"sentiment":"neutral","sentiment_score":0.07723076641559601}],"sentiment":"neutral","sentiment_score":0.011021377518773079,"channel":1,"num_words":8,"start":414.66,"end":417.4},{"sentences":[{"text":"Yep.","start":418.69498,"end":419.175,"sentiment":"neutral","sentiment_score":0.06666477769613266},{"text":"And then with that one, did you speak to a mortgage broker when you set up that sort of split of, like, not having any loan against the investment property versus, like, your primary residence and things like that?","start":419.175,"end":427.5,"sentiment":"neutral","sentiment_score":-0.024347751090923946}],"sentiment":"neutral","sentiment_score":-0.02207243787124753,"channel":0,"num_words":40,"start":418.69498,"end":427.5},{"sentences":[{"text":"I didn't we didn't speak to anyone.","start":429.66498,"end":431.345,"sentiment":"neutral","sentiment_score":-0.181426825267928},{"text":"We just did not going with the bank.","start":431.345,"end":434.27,"sentiment":"neutral","sentiment_score":-0.18998573161661625},{"text":"Brianna was with, and I,","start":434.97,"end":437.45,"sentiment":"neutral","sentiment_score":-0.021057721972465516}],"sentiment":"neutral","sentiment_score":-0.14475811198353766,"channel":1,"num_words":20,"start":429.66498,"end":437.45},{"sentences":[{"text":"Yeah.","start":437.26,"end":437.76,"sentiment":"neutral","sentiment_score":0.047709763050079346}],"sentiment":"neutral","sentiment_score":0.047709763050079346,"channel":0,"num_words":1,"start":437.26,"end":437.76},{"sentences":[{"text":"yeah, met met them and then had a meeting and then, yeah, they approved it, I think, a couple of weeks later.","start":437.45,"end":443.95,"sentiment":"neutral","sentiment_score":0.03261852730065584}],"sentiment":"neutral","sentiment_score":0.03261852730065584,"channel":1,"num_words":22,"start":437.45,"end":443.95},{"sentences":[{"text":"Yeah.","start":445.035,"end":445.355,"sentiment":"neutral","sentiment_score":0.0607592836022377},{"text":"Because just, obviously, in regards to, like, investment properties at the moment, you can still deduct the interest on, like, the loans for investments versus, like, your primary residence.","start":445.355,"end":453.595,"sentiment":"neutral","sentiment_score":0.010979992261252784},{"text":"So sometimes they do do a split between, like, the investment and your primary.","start":453.595,"end":457.19,"sentiment":"neutral","sentiment_score":0.048977844949279516},{"text":"So at least, like, the interest getting paid on the investment, one, you're earning an income with that, and then two, the interest on those repayments is a deduction","start":457.19,"end":464.25,"sentiment":"neutral","sentiment_score":0.08942600301113622}],"sentiment":"neutral","sentiment_score":0.05011264350399222,"channel":0,"num_words":73,"start":445.035,"end":464.25},{"sentences":[{"text":"Hello?","start":465.27,"end":465.77,"sentiment":"neutral","sentiment_score":0.027094176039099693}],"sentiment":"neutral","sentiment_score":0.027094176039099693,"channel":1,"num_words":1,"start":465.27,"end":465.77},{"sentences":[{"text":"versus, like, your your primary residence.","start":465.43,"end":467.61,"sentiment":"neutral","sentiment_score":0.01044229076554378},{"text":"And then if you did wanna review your home loan, we do have some mortgage brokers that we sort of liaison that are part of, like, trusted partners.","start":468.285,"end":476.865,"sentiment":"neutral","sentiment_score":0.11421810356634003},{"text":"So if","start":477.245,"end":477.565,"sentiment":"neutral","sentiment_score":0.09328684210777283}],"sentiment":"neutral","sentiment_score":0.09575928690739804,"channel":0,"num_words":36,"start":465.43,"end":477.565},{"sentences":[{"text":"Okay.","start":477.435,"end":477.935,"sentiment":"neutral","sentiment_score":0.0743320882320404}],"sentiment":"neutral","sentiment_score":0.0743320882320404,"channel":1,"num_words":1,"start":477.435,"end":477.935},{"sentences":[{"text":"you ever do wanna, like, look at revisiting or refinancing and things like that as well, feel free to give us a shout, and we can sort of pass your details along if you'd","start":477.565,"end":485.27002,"sentiment":"neutral","sentiment_score":0.11320346708902541}],"sentiment":"neutral","sentiment_score":0.11320346708902541,"channel":0,"num_words":34,"start":477.565,"end":485.27002},{"sentences":[{"text":"Yep.","start":485.755,"end":486.255,"sentiment":"neutral","sentiment_score":0.08033911138772964},{"text":"Yeah.","start":487.035,"end":487.195,"sentiment":"neutral","sentiment_score":0.04033711552619934},{"text":"Okay.","start":487.195,"end":487.435,"sentiment":"neutral","sentiment_score":0.012566417455673218},{"text":"It might be something we need to look into.","start":487.435,"end":489.455,"sentiment":"neutral","sentiment_score":-0.07249983234537972}],"sentiment":"neutral","sentiment_score":-0.04327132056156794,"channel":1,"num_words":12,"start":485.755,"end":489.455},{"sentences":[{"text":"like.","start":490.45,"end":490.61002,"sentiment":"neutral","sentiment_score":-0.030282143503427505},{"text":"Yeah.","start":490.61002,"end":491.09,"sentiment":"neutral","sentiment_score":-0.0283677838742733},{"text":"Especially if you, like, haven't really looked at your loan since, like, the house was built and finalized and things like that because you might have a bit more equity than you think, and that might sort of be able to, you know, affect, like, what sort of loan rate you can get as well and","start":491.09,"end":503.115,"sentiment":"neutral","sentiment_score":-0.11663290718570352}],"sentiment":"neutral","sentiment_score":-0.11362228844443271,"channel":0,"num_words":58,"start":490.45,"end":503.115},{"sentences":[{"text":"Yeah.","start":502.98,"end":503.38,"sentiment":"neutral","sentiment_score":-0.014728739857673643}],"sentiment":"neutral","sentiment_score":-0.014728739857673643,"channel":1,"num_words":1,"start":502.98,"end":503.38},{"sentences":[{"text":"whether","start":503.115,"end":503.435,"sentiment":"neutral","sentiment_score":-0.01422404870390892}],"sentiment":"neutral","sentiment_score":-0.01422404870390892,"channel":0,"num_words":1,"start":503.115,"end":503.435},{"sentences":[{"text":"We","start":503.38,"end":503.7,"sentiment":"neutral","sentiment_score":-0.06264235824346542}],"sentiment":"neutral","sentiment_score":-0.06264235824346542,"channel":1,"num_words":1,"start":503.38,"end":503.7},{"sentences":[{"text":"or not it's worth","start":503.435,"end":504.075,"sentiment":"neutral","sentiment_score":-0.021799566224217415}],"sentiment":"neutral","sentiment_score":-0.021799566224217415,"channel":0,"num_words":4,"start":503.435,"end":504.075},{"sentences":[{"text":"you're right.","start":504.02,"end":504.76,"sentiment":"neutral","sentiment_score":0.10999599099159241},{"text":"Yeah.","start":506.435,"end":506.755,"sentiment":"neutral","sentiment_score":0.17396089434623718},{"text":"For sure.","start":506.755,"end":507.495,"sentiment":"neutral","sentiment_score":0.18749985098838806}],"sentiment":"neutral","sentiment_score":0.15379051566123964,"channel":1,"num_words":5,"start":504.02,"end":507.495},{"sentences":[{"text":"Yeah.","start":508.65002,"end":508.81,"sentiment":"neutral","sentiment_score":0.21433177590370175},{"text":"So if you have a chat with your your partner there and wanna have a look into that, feel free, and we can just pass along your your details","start":508.81,"end":513.61,"sentiment":"neutral","sentiment_score":0.22478165297672667}],"sentiment":"neutral","sentiment_score":0.22443332374095917,"channel":0,"num_words":30,"start":508.65002,"end":513.61},{"sentences":[{"text":"Yep.","start":513.235,"end":513.735,"sentiment":"neutral","sentiment_score":0.11276401579380035}],"sentiment":"neutral","sentiment_score":0.11276401579380035,"channel":1,"num_words":1,"start":513.235,"end":513.735},{"sentences":[{"text":"to one of the mortgage brokers here.","start":513.61,"end":515.31,"sentiment":"neutral","sentiment_score":0.0927221631365163}],"sentiment":"neutral","sentiment_score":0.0927221631365163,"channel":0,"num_words":7,"start":513.61,"end":515.31},{"sentences":[{"text":"Okay.","start":515.555,"end":516.055,"sentiment":"neutral","sentiment_score":0.09668375551700592}],"sentiment":"neutral","sentiment_score":0.09668375551700592,"channel":1,"num_words":1,"start":515.555,"end":516.055},{"sentences":[{"text":"And other assets there, I've got your truck worth around the 55,000 and a machine estimated worth around the 85.","start":516.09,"end":521.85004,"sentiment":"neutral","sentiment_score":0.07610115949064493},{"text":"Is that about right?","start":521.85004,"end":522.855,"sentiment":"neutral","sentiment_score":0.06120070815086365}],"sentiment":"neutral","sentiment_score":0.07361775093401472,"channel":0,"num_words":24,"start":516.09,"end":522.855},{"sentences":[{"text":"Yeah.","start":523.1,"end":523.6,"sentiment":"neutral","sentiment_score":0.016125904396176338},{"text":"Yeah.","start":524.38,"end":524.62,"sentiment":"neutral","sentiment_score":0.024589035660028458}],"sentiment":"neutral","sentiment_score":0.020357470028102398,"channel":1,"num_words":2,"start":523.1,"end":524.62},{"sentences":[{"text":"Yep.","start":524.535,"end":525.035,"sentiment":"neutral","sentiment_score":0.01961402967572212}],"sentiment":"neutral","sentiment_score":0.01961402967572212,"channel":0,"num_words":1,"start":524.535,"end":525.035},{"sentences":[{"text":"It's taken the the escalator model is deteriorated a bit now.","start":524.62,"end":528.54,"sentiment":"negative","sentiment_score":-0.4068975123492154},{"text":"I've put a few noise on it, but","start":528.54,"end":530.56,"sentiment":"neutral","sentiment_score":-0.21794257126748562}],"sentiment":"neutral","sentiment_score":-0.3273375371569081,"channel":1,"num_words":19,"start":524.62,"end":530.56},{"sentences":[{"text":"Yep.","start":532.055,"end":532.375,"sentiment":"neutral","sentiment_score":0.006250757724046707},{"text":"And have you managed to pay most of that off now?","start":532.375,"end":534.695,"sentiment":"neutral","sentiment_score":0.006366617469625039},{"text":"Is there anything owing on that escrow?","start":534.695,"end":536.15497,"sentiment":"neutral","sentiment_score":-0.039881770099912374}],"sentiment":"neutral","sentiment_score":-0.010678360042603393,"channel":0,"num_words":19,"start":532.055,"end":536.15497},{"sentences":[{"text":"No.","start":536.535,"end":536.77496,"sentiment":"neutral","sentiment_score":-0.08909487724304199},{"text":"No.","start":536.77496,"end":537.175,"sentiment":"neutral","sentiment_score":-0.025243889540433884},{"text":"It's","start":537.175,"end":537.675,"sentiment":"neutral","sentiment_score":0.13023367524147034}],"sentiment":"neutral","sentiment_score":0.005298302819331487,"channel":1,"num_words":3,"start":536.535,"end":537.675},{"sentences":[{"text":"Perfect.","start":540.36005,"end":540.86005,"sentiment":"neutral","sentiment_score":0.19682422280311584}],"sentiment":"neutral","sentiment_score":0.19682422280311584,"channel":0,"num_words":1,"start":540.36005,"end":540.86005},{"sentences":[{"text":"paid","start":540.615,"end":541.115,"sentiment":"neutral","sentiment_score":0.0963018387556076}],"sentiment":"neutral","sentiment_score":0.0963018387556076,"channel":1,"num_words":1,"start":540.615,"end":541.115},{"sentences":[{"text":"And as far as any other assets and","start":541.0,"end":542.84,"sentiment":"neutral","sentiment_score":0.05097514810040593}],"sentiment":"neutral","sentiment_score":0.05097514810040593,"channel":0,"num_words":8,"start":541.0,"end":542.84},{"sentences":[{"text":"off.","start":542.695,"end":543.195,"sentiment":"neutral","sentiment_score":0.005035391077399254}],"sentiment":"neutral","sentiment_score":0.005035391077399254,"channel":1,"num_words":1,"start":542.695,"end":543.195},{"sentences":[{"text":"liabilities that I haven't mentioned, you said you've got a bit of a savings built up as well.","start":542.84,"end":546.12006,"sentiment":"neutral","sentiment_score":0.030021684658196237},{"text":"Do you know roughly sort of how much is sitting in that?","start":546.12006,"end":548.295,"sentiment":"neutral","sentiment_score":0.014466641626010338}],"sentiment":"neutral","sentiment_score":0.023799667445321877,"channel":0,"num_words":30,"start":542.84,"end":548.295},{"sentences":[{"text":"$1.40.","start":548.695,"end":549.51495,"sentiment":"neutral","sentiment_score":0.001225046580657363}],"sentiment":"neutral","sentiment_score":0.001225046580657363,"channel":1,"num_words":1,"start":548.695,"end":549.51495},{"sentences":[{"text":"$1.40.","start":552.055,"end":552.695,"sentiment":"neutral","sentiment_score":0.0032167560420930386},{"text":"And is that an offset or a savings account?","start":552.695,"end":554.95496,"sentiment":"neutral","sentiment_score":-0.006206574746304088}],"sentiment":"neutral","sentiment_score":-0.005264241667464376,"channel":0,"num_words":10,"start":552.055,"end":554.95496},{"sentences":[{"text":"Oh, that's the sailing.","start":555.23004,"end":557.73004,"sentiment":"neutral","sentiment_score":0.0481710946187377}],"sentiment":"neutral","sentiment_score":0.0481710946187377,"channel":1,"num_words":4,"start":555.23004,"end":557.73004},{"sentences":[{"text":"Yep.","start":560.375,"end":560.875,"sentiment":"neutral","sentiment_score":0.081135094165802},{"text":"And do you","start":561.47,"end":561.79,"sentiment":"neutral","sentiment_score":0.034114193792144455}],"sentiment":"neutral","sentiment_score":0.045869418885558844,"channel":0,"num_words":4,"start":560.375,"end":561.79},{"sentences":[{"text":"Yeah.","start":561.71,"end":562.21,"sentiment":"neutral","sentiment_score":0.041476115584373474}],"sentiment":"neutral","sentiment_score":0.041476115584373474,"channel":1,"num_words":1,"start":561.71,"end":562.21},{"sentences":[{"text":"have that in a high interest savings account at the moment?","start":561.79,"end":564.05,"sentiment":"neutral","sentiment_score":-0.002245766872709448}],"sentiment":"neutral","sentiment_score":-0.002245766872709448,"channel":0,"num_words":11,"start":561.79,"end":564.05},{"sentences":[{"text":"No.","start":566.685,"end":567.185,"sentiment":"neutral","sentiment_score":-0.14000923931598663},{"text":"No.","start":568.525,"end":568.84503,"sentiment":"neutral","sentiment_score":-0.16090449690818787},{"text":"It's just yeah.","start":568.84503,"end":569.98505,"sentiment":"neutral","sentiment_score":-0.16792540748914084},{"text":"That's just my everyday account.","start":570.04504,"end":571.825,"sentiment":"neutral","sentiment_score":-0.13874104917049407}],"sentiment":"neutral","sentiment_score":-0.14983952045440674,"channel":1,"num_words":10,"start":566.685,"end":571.825},{"sentences":[{"text":"Because with","start":573.885,"end":574.445,"sentiment":"neutral","sentiment_score":-0.06561222858726978}],"sentiment":"neutral","sentiment_score":-0.06561222858726978,"channel":0,"num_words":2,"start":573.885,"end":574.445},{"sentences":[{"text":"And","start":574.36505,"end":574.60504,"sentiment":"neutral","sentiment_score":-0.048727791756391525}],"sentiment":"neutral","sentiment_score":-0.048727791756391525,"channel":1,"num_words":1,"start":574.36505,"end":574.60504},{"sentences":[{"text":"that","start":574.445,"end":574.765,"sentiment":"neutral","sentiment_score":-0.08866873383522034}],"sentiment":"neutral","sentiment_score":-0.08866873383522034,"channel":0,"num_words":1,"start":574.445,"end":574.765},{"sentences":[{"text":"I I","start":574.60504,"end":574.84503,"sentiment":"neutral","sentiment_score":-0.1433345526456833}],"sentiment":"neutral","sentiment_score":-0.1433345526456833,"channel":1,"num_words":2,"start":574.60504,"end":574.84503},{"sentences":[{"text":"too,","start":574.765,"end":575.08496,"sentiment":"neutral","sentiment_score":-0.12668931484222412}],"sentiment":"neutral","sentiment_score":-0.12668931484222412,"channel":0,"num_words":1,"start":574.765,"end":575.08496},{"sentences":[{"text":"don't","start":574.84503,"end":575.34503,"sentiment":"neutral","sentiment_score":-0.18390968441963196}],"sentiment":"neutral","sentiment_score":-0.18390968441963196,"channel":1,"num_words":1,"start":574.84503,"end":575.34503},{"sentences":[{"text":"obviously oh, sorry?","start":575.08496,"end":576.545,"sentiment":"neutral","sentiment_score":-0.19553133845329285}],"sentiment":"neutral","sentiment_score":-0.19553133845329285,"channel":0,"num_words":3,"start":575.08496,"end":576.545},{"sentences":[{"text":"yeah.","start":576.84503,"end":577.16504,"sentiment":"neutral","sentiment_score":-0.2237468659877777},{"text":"I don't gain any interest on it.","start":577.16504,"end":579.15,"sentiment":"negative","sentiment_score":-0.375233782189233},{"text":"I think because it's always up and down and that's good everything.","start":579.31,"end":584.19,"sentiment":"neutral","sentiment_score":-0.16087284373740354}],"sentiment":"neutral","sentiment_score":-0.23904287330806256,"channel":1,"num_words":20,"start":576.84503,"end":584.19},{"sentences":[{"text":"Yes.","start":583.725,"end":584.225,"sentiment":"neutral","sentiment_score":0.08336952328681946}],"sentiment":"neutral","sentiment_score":0.08336952328681946,"channel":0,"num_words":1,"start":583.725,"end":584.225},{"sentences":[{"text":"Yeah.","start":584.19,"end":584.69,"sentiment":"neutral","sentiment_score":0.04767385497689247}],"sentiment":"neutral","sentiment_score":0.04767385497689247,"channel":1,"num_words":1,"start":584.19,"end":584.69},{"sentences":[{"text":"The","start":585.1,"end":585.34,"sentiment":"neutral","sentiment_score":-0.04575883969664574}],"sentiment":"neutral","sentiment_score":-0.04575883969664574,"channel":0,"num_words":1,"start":585.1,"end":585.34},{"sentences":[{"text":"Sorry.","start":585.31,"end":585.81,"sentiment":"neutral","sentiment_score":-0.06828165054321289}],"sentiment":"neutral","sentiment_score":-0.06828165054321289,"channel":1,"num_words":1,"start":585.31,"end":585.81},{"sentences":[{"text":"other option there is you can look at setting up an offset account with your your bank or, like, with the your, like, loan provider there, so, like, who it's with.","start":585.34,"end":594.86,"sentiment":"neutral","sentiment_score":-0.0007516304631867717},{"text":"And you can leave it sitting in the offset.","start":594.86,"end":596.86,"sentiment":"neutral","sentiment_score":0.005466409855418735},{"text":"And what that does is essentially, like, it's like being on the mortgage, but it's not.","start":596.86,"end":601.015,"sentiment":"neutral","sentiment_score":0.056027805083431304},{"text":"Like, you still have full access to it.","start":601.015,"end":602.29504,"sentiment":"neutral","sentiment_score":0.18248128704726696},{"text":"It's","start":602.29504,"end":602.455,"sentiment":"neutral","sentiment_score":0.07551514357328415}],"sentiment":"neutral","sentiment_score":0.03781088408655845,"channel":0,"num_words":65,"start":585.34,"end":602.455},{"sentences":[{"text":"Yeah.","start":602.34503,"end":602.84503,"sentiment":"neutral","sentiment_score":0.09899713099002838}],"sentiment":"neutral","sentiment_score":0.09899713099002838,"channel":1,"num_words":1,"start":602.34503,"end":602.84503},{"sentences":[{"text":"the exact same as in everyday spending, but you won't get interest on it.","start":602.455,"end":605.495,"sentiment":"neutral","sentiment_score":0.09354836014764649},{"text":"All it would do is, like, offset the interest that you would be paying on your home loan.","start":605.495,"end":609.175,"sentiment":"neutral","sentiment_score":0.13461397132939762},{"text":"So, essentially, instead of paying the interest on a $700,000 debt, you'd be paying it closer to, you know, that $5.60 mark","start":609.175,"end":617.85,"sentiment":"neutral","sentiment_score":0.09609978612173688}],"sentiment":"neutral","sentiment_score":0.10827636704952628,"channel":0,"num_words":54,"start":602.455,"end":617.85},{"sentences":[{"text":"Yes.","start":618.08,"end":618.58,"sentiment":"neutral","sentiment_score":0.12880918383598328}],"sentiment":"neutral","sentiment_score":0.12880918383598328,"channel":1,"num_words":1,"start":618.08,"end":618.58},{"sentences":[{"text":"in terms of, like, the interest repayment you'd be making.","start":618.38995,"end":621.19,"sentiment":"neutral","sentiment_score":0.10566782914102077},{"text":"So that's something you can","start":621.19,"end":622.06995,"sentiment":"neutral","sentiment_score":0.08436896055936813}],"sentiment":"neutral","sentiment_score":0.09856820628046989,"channel":0,"num_words":15,"start":618.38995,"end":622.06995},{"sentences":[{"text":"Yep.","start":621.925,"end":622.425,"sentiment":"neutral","sentiment_score":0.0886993259191513}],"sentiment":"neutral","sentiment_score":0.0886993259191513,"channel":1,"num_words":1,"start":621.925,"end":622.425},{"sentences":[{"text":"look into as well if you're not really got in a high interest or not doing much with it.","start":622.06995,"end":625.875,"sentiment":"neutral","sentiment_score":-0.10144660582667903},{"text":"I'm assuming your home rate is probably up around that sort of five, maybe sort of 5% mark in terms of, like, what you're paying.","start":626.435,"end":634.295,"sentiment":"neutral","sentiment_score":-0.008125734329223634}],"sentiment":"neutral","sentiment_score":-0.04842338338494301,"channel":0,"num_words":44,"start":622.06995,"end":634.295},{"sentences":[{"text":"Yeah.","start":634.28,"end":634.68,"sentiment":"neutral","sentiment_score":0.0441831536591053},{"text":"I think it's yeah.","start":634.68,"end":635.8,"sentiment":"neutral","sentiment_score":0.04953706171363592},{"text":"Around that four $5.04, possibly.","start":635.8,"end":639.26,"sentiment":"neutral","sentiment_score":0.05537612065672874}],"sentiment":"neutral","sentiment_score":0.05192120037972927,"channel":1,"num_words":10,"start":634.28,"end":639.26},{"sentences":[{"text":"Yeah.","start":640.29004,"end":640.79004,"sentiment":"neutral","sentiment_score":0.0625552386045456}],"sentiment":"neutral","sentiment_score":0.0625552386045456,"channel":0,"num_words":1,"start":640.29004,"end":640.79004},{"sentences":[{"text":"I think I thought","start":640.44,"end":641.72,"sentiment":"neutral","sentiment_score":0.044323548674583435}],"sentiment":"neutral","sentiment_score":0.044323548674583435,"channel":1,"num_words":4,"start":640.44,"end":641.72},{"sentences":[{"text":"Which","start":641.41003,"end":641.91003,"sentiment":"neutral","sentiment_score":0.042611535638570786}],"sentiment":"neutral","sentiment_score":0.042611535638570786,"channel":0,"num_words":1,"start":641.41003,"end":641.91003},{"sentences":[{"text":"she mentioned","start":641.72,"end":642.36,"sentiment":"neutral","sentiment_score":0.05935492366552353}],"sentiment":"neutral","sentiment_score":0.05935492366552353,"channel":1,"num_words":2,"start":641.72,"end":642.36},{"sentences":[{"text":"which","start":642.29004,"end":642.53,"sentiment":"neutral","sentiment_score":0.0446353480219841}],"sentiment":"neutral","sentiment_score":0.0446353480219841,"channel":0,"num_words":1,"start":642.29004,"end":642.53},{"sentences":[{"text":"it the","start":642.36,"end":642.68,"sentiment":"neutral","sentiment_score":0.03592976927757263}],"sentiment":"neutral","sentiment_score":0.03592976927757263,"channel":1,"num_words":2,"start":642.36,"end":642.68},{"sentences":[{"text":"is,","start":642.53,"end":643.03,"sentiment":"neutral","sentiment_score":0.04532044753432274}],"sentiment":"neutral","sentiment_score":0.04532044753432274,"channel":0,"num_words":1,"start":642.53,"end":643.03},{"sentences":[{"text":"other day.","start":642.68,"end":643.42,"sentiment":"neutral","sentiment_score":0.0716039165854454}],"sentiment":"neutral","sentiment_score":0.0716039165854454,"channel":1,"num_words":2,"start":642.68,"end":643.42},{"sentences":[{"text":"yeah, which is definitely higher than what you'd be getting currently at least, not being in, like, a high interest saver or, like, a term deposit and things like that as well.","start":643.81,"end":651.57,"sentiment":"neutral","sentiment_score":0.01291196746751666},{"text":"So","start":651.57,"end":651.73004,"sentiment":"neutral","sentiment_score":0.10001196712255478}],"sentiment":"neutral","sentiment_score":0.01555136139645721,"channel":0,"num_words":33,"start":643.81,"end":651.73004},{"sentences":[{"text":"Yep.","start":651.685,"end":652.185,"sentiment":"neutral","sentiment_score":0.12635847926139832}],"sentiment":"neutral","sentiment_score":0.12635847926139832,"channel":1,"num_words":1,"start":651.685,"end":652.185},{"sentences":[{"text":"you could be offsetting, like, the interest of, like, four to 5% of your mortgage as opposed to getting, you know, like, your two two point something percent interest earned on the the savings account, if that makes","start":651.73004,"end":664.985,"sentiment":"neutral","sentiment_score":0.08455464753665422}],"sentiment":"neutral","sentiment_score":0.08455464753665422,"channel":0,"num_words":38,"start":651.73004,"end":664.985},{"sentences":[{"text":"Okay.","start":664.81,"end":665.31,"sentiment":"neutral","sentiment_score":0.06243303418159485}],"sentiment":"neutral","sentiment_score":0.06243303418159485,"channel":1,"num_words":1,"start":664.81,"end":665.31},{"sentences":[{"text":"sense.","start":664.985,"end":665.485,"sentiment":"neutral","sentiment_score":0.02753440849483013}],"sentiment":"neutral","sentiment_score":0.02753440849483013,"channel":0,"num_words":1,"start":664.985,"end":665.485},{"sentences":[{"text":"Yeah.","start":665.61,"end":665.93,"sentiment":"neutral","sentiment_score":0.003533078357577324},{"text":"Yeah.","start":665.93,"end":666.17004,"sentiment":"neutral","sentiment_score":-0.019925789907574657},{"text":"It's odd.","start":666.17004,"end":666.91003,"sentiment":"neutral","sentiment_score":-0.12596356123685837}],"sentiment":"neutral","sentiment_score":-0.06707995850592852,"channel":1,"num_words":4,"start":665.61,"end":666.91003},{"sentences":[{"text":"So that's another thing to be be mindful of and potentially look into there as well.","start":668.36,"end":672.78,"sentiment":"neutral","sentiment_score":-0.09803942684084177}],"sentiment":"neutral","sentiment_score":-0.09803942684084177,"channel":0,"num_words":16,"start":668.36,"end":672.78},{"sentences":[{"text":"Yep.","start":673.16504,"end":673.66504,"sentiment":"neutral","sentiment_score":0.10048379749059676}],"sentiment":"neutral","sentiment_score":0.10048379749059676,"channel":1,"num_words":1,"start":673.16504,"end":673.66504},{"sentences":[{"text":"Obviously, if you wanna have a bit more conversation around it or with your partner as well, that's more than fine.","start":674.2,"end":677.96,"sentiment":"neutral","sentiment_score":0.2286838207926069},{"text":"Happy to have a a bit more of a chat.","start":677.96,"end":679.74,"sentiment":"positive","sentiment_score":0.46543724834918976},{"text":"But it seems like she does deal with a lot of it as well, so feel free just to mention it to her.","start":680.465,"end":684.645,"sentiment":"neutral","sentiment_score":0.2262403738239537}],"sentiment":"neutral","sentiment_score":0.2714863207053255,"channel":0,"num_words":54,"start":674.2,"end":684.645},{"sentences":[{"text":"Yeah.","start":684.765,"end":685.005,"sentiment":"neutral","sentiment_score":0.08061333000659943},{"text":"Well, that's for what?","start":685.005,"end":686.22504,"sentiment":"neutral","sentiment_score":0.04229425825178623}],"sentiment":"neutral","sentiment_score":0.04995807260274887,"channel":1,"num_words":5,"start":684.765,"end":686.22504},{"sentences":[{"text":"And so if you've entered these one previously as well, it's updated the workbook a little bit, but you've now declared bankruptcy or a partner on debt agreement?","start":689.265,"end":696.085,"sentiment":"neutral","sentiment_score":-0.005591239846710648}],"sentiment":"neutral","sentiment_score":-0.005591239846710648,"channel":0,"num_words":28,"start":689.265,"end":696.085},{"sentences":[{"text":"No.","start":696.60004,"end":697.10004,"sentiment":"neutral","sentiment_score":-0.05047164857387543}],"sentiment":"neutral","sentiment_score":-0.05047164857387543,"channel":1,"num_words":1,"start":696.60004,"end":697.10004},{"sentences":[{"text":"Yeah.","start":697.57,"end":697.81,"sentiment":"neutral","sentiment_score":0.07557952404022217},{"text":"No.","start":697.81,"end":697.97003,"sentiment":"neutral","sentiment_score":-0.06116873025894165},{"text":"That's fine.","start":697.97003,"end":698.71,"sentiment":"neutral","sentiment_score":0.1837153360247612},{"text":"And as far as your health's going, you're not sort of a smoker still, no injuries,","start":699.25,"end":703.11005,"sentiment":"neutral","sentiment_score":0.03933183755725622}],"sentiment":"neutral","sentiment_score":0.05055754333734512,"channel":0,"num_words":20,"start":697.57,"end":703.11005},{"sentences":[{"text":"No.","start":702.795,"end":703.295,"sentiment":"neutral","sentiment_score":-0.046255700290203094}],"sentiment":"neutral","sentiment_score":-0.046255700290203094,"channel":1,"num_words":1,"start":702.795,"end":703.295},{"sentences":[{"text":"medications currently?","start":703.17004,"end":704.23004,"sentiment":"neutral","sentiment_score":-0.005193200893700123}],"sentiment":"neutral","sentiment_score":-0.005193200893700123,"channel":0,"num_words":2,"start":703.17004,"end":704.23004},{"sentences":[{"text":"No.","start":704.63495,"end":705.13495,"sentiment":"neutral","sentiment_score":0.040720075368881226}],"sentiment":"neutral","sentiment_score":0.040720075368881226,"channel":1,"num_words":1,"start":704.63495,"end":705.13495},{"sentences":[{"text":"Perfect.","start":705.73004,"end":706.23004,"sentiment":"positive","sentiment_score":0.4174152612686157},{"text":"And have you got private health cover at the moment there, Danny?","start":706.29004,"end":709.51,"sentiment":"neutral","sentiment_score":0.12199879003067811}],"sentiment":"neutral","sentiment_score":0.14472313397205794,"channel":0,"num_words":13,"start":705.73004,"end":709.51},{"sentences":[{"text":"No.","start":710.07495,"end":710.475,"sentiment":"neutral","sentiment_score":-0.16116806864738464},{"text":"We don't.","start":710.475,"end":711.21497,"sentiment":"neutral","sentiment_score":-0.1317877098917961}],"sentiment":"neutral","sentiment_score":-0.14158116281032562,"channel":1,"num_words":3,"start":710.07495,"end":711.21497},{"sentences":[{"text":"No.","start":712.79504,"end":712.955,"sentiment":"neutral","sentiment_score":-0.05569665879011154},{"text":"That's fine.","start":712.955,"end":713.695,"sentiment":"neutral","sentiment_score":0.18798822164535522},{"text":"And then as far as the estate planning side of things goes, I know you didn't have a will set up the last time you spoke to us there.","start":714.075,"end":719.995,"sentiment":"neutral","sentiment_score":0.0201838670683832},{"text":"Have you managed to get around to looking into a will?","start":719.995,"end":723.055,"sentiment":"neutral","sentiment_score":-0.0021104880354621196}],"sentiment":"neutral","sentiment_score":0.020520850257991358,"channel":0,"num_words":43,"start":712.79504,"end":723.055},{"sentences":[{"text":"No.","start":723.62,"end":723.7,"sentiment":"neutral","sentiment_score":-0.15753090381622314},{"text":"No.","start":723.7,"end":724.02,"sentiment":"neutral","sentiment_score":-0.1934162080287933},{"text":"I haven't.","start":724.02,"end":724.68,"sentiment":"neutral","sentiment_score":-0.17781588435173035},{"text":"I was actually only woke up this morning and thought about that","start":725.22003,"end":728.36,"sentiment":"neutral","sentiment_score":-0.08754487335681915}],"sentiment":"neutral","sentiment_score":-0.10981983505189419,"channel":1,"num_words":16,"start":723.62,"end":728.36},{"sentences":[{"text":"Yep.","start":729.08,"end":729.32,"sentiment":"neutral","sentiment_score":-0.06562730669975281},{"text":"Because","start":729.32,"end":729.82,"sentiment":"neutral","sentiment_score":-0.0571470707654953}],"sentiment":"neutral","sentiment_score":-0.061387188732624054,"channel":0,"num_words":2,"start":729.08,"end":729.82},{"sentences":[{"text":"or yesterday morning.","start":729.46497,"end":730.765,"sentiment":"neutral","sentiment_score":-0.03301598938802878},{"text":"Yep.","start":730.825,"end":731.325,"sentiment":"neutral","sentiment_score":0.022505857050418857}],"sentiment":"neutral","sentiment_score":-0.019135527778416872,"channel":1,"num_words":4,"start":729.46497,"end":731.325},{"sentences":[{"text":"yeah.","start":732.36005,"end":732.86005,"sentiment":"neutral","sentiment_score":0.006490157917141914},{"text":"We don't draw up wills.","start":732.92004,"end":734.44,"sentiment":"neutral","sentiment_score":-0.07430848553776741},{"text":"We can have conversations around how you can split your estates and things like that and have a general sort of discussion on how you might wanna split it.","start":734.44,"end":740.285,"sentiment":"neutral","sentiment_score":0.01213089659296233},{"text":"Obviously, with the young family and your partner, generally, you know, you just leave it to your spouse.","start":740.345,"end":744.345,"sentiment":"neutral","sentiment_score":-0.03963919335769282},{"text":"And then, like, worst case scenario, there'd be, like, someone else that would look after potentially the children.","start":744.345,"end":748.58496,"sentiment":"neutral","sentiment_score":-0.06455143830842441}],"sentiment":"neutral","sentiment_score":-0.02660123434599856,"channel":0,"num_words":71,"start":732.36005,"end":748.58496},{"sentences":[{"text":"They'd get you know, as they come of age type deal,","start":748.58496,"end":751.44,"sentiment":"neutral","sentiment_score":-0.0394671056419611}],"sentiment":"neutral","sentiment_score":-0.0394671056419611,"channel":0,"num_words":11,"start":748.58496,"end":751.44},{"sentences":[{"text":"Yeah.","start":751.56,"end":752.06,"sentiment":"neutral","sentiment_score":0.025805490091443065}],"sentiment":"neutral","sentiment_score":0.025805490091443065,"channel":1,"num_words":1,"start":751.56,"end":752.06},{"sentences":[{"text":"which a lawyer all can do.","start":751.57996,"end":753.1,"sentiment":"neutral","sentiment_score":0.03168348285059134},{"text":"We can send you through just a local solicitor's information booklet","start":753.1,"end":756.38,"sentiment":"neutral","sentiment_score":0.059906443072990936}],"sentiment":"neutral","sentiment_score":0.049945398288614606,"channel":0,"num_words":17,"start":751.57996,"end":756.38},{"sentences":[{"text":"Yep.","start":756.175,"end":756.675,"sentiment":"neutral","sentiment_score":0.05716584622859955}],"sentiment":"neutral","sentiment_score":0.05716584622859955,"channel":1,"num_words":1,"start":756.175,"end":756.675},{"sentences":[{"text":"on their general pricing a little bit more about wills and estates.","start":756.38,"end":759.19995,"sentiment":"neutral","sentiment_score":0.05055189629395803},{"text":"And then the other thing you can look to potentially do is if you're just looking to get a slot together one is just like a post office full, they're generally a lot cheaper, not as ironclad.","start":759.66,"end":769.375,"sentiment":"neutral","sentiment_score":0.035739505512488855},{"text":"But in saying","start":770.155,"end":770.795,"sentiment":"neutral","sentiment_score":0.0019578331460555396}],"sentiment":"neutral","sentiment_score":0.037208806902456745,"channel":0,"num_words":52,"start":756.38,"end":770.795},{"sentences":[{"text":"Yeah.","start":770.575,"end":771.075,"sentiment":"neutral","sentiment_score":0.004681229591369629}],"sentiment":"neutral","sentiment_score":0.004681229591369629,"channel":1,"num_words":1,"start":770.575,"end":771.075},{"sentences":[{"text":"that yeah.","start":770.795,"end":772.255,"sentiment":"neutral","sentiment_score":-0.006574069149792194}],"sentiment":"neutral","sentiment_score":-0.006574069149792194,"channel":0,"num_words":2,"start":770.795,"end":772.255},{"sentences":[{"text":"I have looked at them at the end.","start":772.13,"end":774.07,"sentiment":"neutral","sentiment_score":-0.026062216376885772},{"text":"Sort of didn't elaborate on a lot of things that it was sent.","start":774.93,"end":778.79004,"sentiment":"neutral","sentiment_score":-0.053890507095135175}],"sentiment":"neutral","sentiment_score":-0.04328925348818302,"channel":1,"num_words":21,"start":772.13,"end":778.79004},{"sentences":[{"text":"No.","start":779.45,"end":779.85004,"sentiment":"neutral","sentiment_score":-0.17576727271080017},{"text":"And even then, like, even if you've got, like, a will set up by a solicitor, the the likelihood is is, like, if someone comes out of the woodwork, you know, your next spouse, there's a separation, things like that, and people tend to claim anyway and, like, challenge the estates.","start":779.85004,"end":794.075,"sentiment":"neutral","sentiment_score":-0.15731508489332946},{"text":"So","start":794.215,"end":794.715,"sentiment":"neutral","sentiment_score":-0.10233490914106368}],"sentiment":"neutral","sentiment_score":-0.15662587757380503,"channel":0,"num_words":53,"start":779.45,"end":794.715},{"sentences":[{"text":"Yep.","start":794.735,"end":795.235,"sentiment":"neutral","sentiment_score":-0.08217811584472656}],"sentiment":"neutral","sentiment_score":-0.08217811584472656,"channel":1,"num_words":1,"start":794.735,"end":795.235},{"sentences":[{"text":"even with with a will, it can sort of be tied up sort of thing.","start":794.855,"end":797.895,"sentiment":"neutral","sentiment_score":-0.20136634061733882},{"text":"And when there's not a will, it just gets real messy real quickly.","start":797.895,"end":800.635,"sentiment":"neutral","sentiment_score":-0.284112158876199}],"sentiment":"neutral","sentiment_score":-0.2397840419518096,"channel":0,"num_words":28,"start":794.855,"end":800.635},{"sentences":[{"text":"Well, that's all","start":800.52,"end":801.74,"sentiment":"neutral","sentiment_score":-0.05852029720942179}],"sentiment":"neutral","sentiment_score":-0.05852029720942179,"channel":1,"num_words":3,"start":800.52,"end":801.74},{"sentences":[{"text":"Yeah.","start":803.66,"end":804.16,"sentiment":"neutral","sentiment_score":0.002432622015476227},{"text":"So with that,","start":804.69995,"end":805.6,"sentiment":"neutral","sentiment_score":0.022906575351953506}],"sentiment":"neutral","sentiment_score":0.017788087017834187,"channel":0,"num_words":4,"start":803.66,"end":805.6},{"sentences":[{"text":"of it.","start":805.48004,"end":806.23004,"sentiment":"neutral","sentiment_score":0.03853846155107021}],"sentiment":"neutral","sentiment_score":0.03853846155107021,"channel":1,"num_words":2,"start":805.48004,"end":806.23004},{"sentences":[{"text":"we could just send that through and then any sort of updates so we can put a reminder in those documents just to make sure you've got those sort of set.","start":805.81995,"end":813.44,"sentiment":"neutral","sentiment_score":0.08592013810430804},{"text":"Perfect.","start":815.83496,"end":816.315,"sentiment":"positive","sentiment_score":0.6309018731117249},{"text":"And I'll just double check-in regards to","start":816.315,"end":819.21497,"sentiment":"neutral","sentiment_score":0.306262344121933}],"sentiment":"neutral","sentiment_score":0.13944262982561037,"channel":0,"num_words":39,"start":805.81995,"end":819.21497},{"sentences":[{"text":"Yep.","start":820.015,"end":820.515,"sentiment":"neutral","sentiment_score":0.1674841344356537}],"sentiment":"neutral","sentiment_score":0.1674841344356537,"channel":1,"num_words":1,"start":820.015,"end":820.515},{"sentences":[{"text":"your beneficiary forms and see if that's up to date.","start":820.795,"end":824.095,"sentiment":"neutral","sentiment_score":0.19445715844631195},{"text":"Yes.","start":825.595,"end":825.83496,"sentiment":"neutral","sentiment_score":0.10791311413049698},{"text":"I've got the three children there as","start":825.83496,"end":827.675,"sentiment":"neutral","sentiment_score":0.11934956908226013}],"sentiment":"neutral","sentiment_score":0.16044064900941318,"channel":0,"num_words":18,"start":820.795,"end":827.675},{"sentences":[{"text":"Yes.","start":827.59,"end":828.09,"sentiment":"neutral","sentiment_score":0.09744976460933684}],"sentiment":"neutral","sentiment_score":0.09744976460933684,"channel":1,"num_words":1,"start":827.59,"end":828.09},{"sentences":[{"text":"beneficiaries on your your superannuation.","start":827.675,"end":829.76,"sentiment":"neutral","sentiment_score":0.1586802586913109}],"sentiment":"neutral","sentiment_score":0.1586802586913109,"channel":0,"num_words":5,"start":827.675,"end":829.76},{"sentences":[{"text":"Yep.","start":829.59,"end":830.09,"sentiment":"neutral","sentiment_score":0.17082786560058594}],"sentiment":"neutral","sentiment_score":0.17082786560058594,"channel":1,"num_words":1,"start":829.59,"end":830.09},{"sentences":[{"text":"Yeah.","start":830.78,"end":831.18,"sentiment":"neutral","sentiment_score":0.25662440061569214},{"text":"Perfect.","start":831.18,"end":831.68,"sentiment":"positive","sentiment_score":0.451799750328064},{"text":"Something to be mindful of is that as well as spouses will always receive money from superannuation and, like, insurance policy through super tax free because they'll always be a tax dependent as well as, like, a dependent through super law.","start":833.10004,"end":845.765,"sentiment":"neutral","sentiment_score":0.09879914789301593},{"text":"Children","start":845.985,"end":846.385,"sentiment":"neutral","sentiment_score":0.01329312101006508}],"sentiment":"neutral","sentiment_score":0.10846550762653351,"channel":0,"num_words":44,"start":830.78,"end":846.385},{"sentences":[{"text":"Yep.","start":846.205,"end":846.705,"sentiment":"neutral","sentiment_score":0.022381998598575592}],"sentiment":"neutral","sentiment_score":0.022381998598575592,"channel":1,"num_words":1,"start":846.205,"end":846.705},{"sentences":[{"text":"are always a dependent through super law, but once they turn, like, over 18 and you're no longer sort of supporting them if they move out of home, things like that, they're no longer considered, like, dependent on you, and then they might not be considered a tax dependent.","start":846.385,"end":858.405,"sentiment":"neutral","sentiment_score":-0.0036787839169252893},{"text":"So they can still receive the funds.","start":858.75,"end":860.03,"sentiment":"neutral","sentiment_score":0.09401221573352814},{"text":"They'll just have to pay tax on that.","start":860.03,"end":861.89,"sentiment":"neutral","sentiment_score":0.0032545356079936028}],"sentiment":"neutral","sentiment_score":0.007872834110457916,"channel":0,"num_words":64,"start":846.385,"end":861.89},{"sentences":[{"text":"Yep.","start":862.2,"end":862.51996,"sentiment":"neutral","sentiment_score":0.03222966939210892},{"text":"Oh,","start":862.51996,"end":862.92,"sentiment":"neutral","sentiment_score":0.030909759923815727}],"sentiment":"neutral","sentiment_score":0.03156971465796232,"channel":1,"num_words":2,"start":862.2,"end":862.92},{"sentences":[{"text":"Other","start":862.83,"end":863.15,"sentiment":"neutral","sentiment_score":0.04285600408911705}],"sentiment":"neutral","sentiment_score":0.04285600408911705,"channel":0,"num_words":1,"start":862.83,"end":863.15},{"sentences":[{"text":"okay.","start":862.92,"end":863.16,"sentiment":"neutral","sentiment_score":0.04954688251018524},{"text":"Yes.","start":863.16,"end":863.66,"sentiment":"neutral","sentiment_score":0.053394418209791183}],"sentiment":"neutral","sentiment_score":0.05147065035998821,"channel":1,"num_words":2,"start":862.92,"end":863.66},{"sentences":[{"text":"yeah.","start":863.79004,"end":864.11,"sentiment":"neutral","sentiment_score":0.0443454384803772},{"text":"Otherwise, you can look at sort of sending it to the the estate, and you can get rid of sort of the Medicare levy taxes that might be associated with that death","start":864.11,"end":872.27,"sentiment":"neutral","sentiment_score":-0.003477016289252788}],"sentiment":"neutral","sentiment_score":-0.0020278509932033944,"channel":0,"num_words":33,"start":863.79004,"end":872.27},{"sentences":[{"text":"Yeah.","start":872.055,"end":872.375,"sentiment":"neutral","sentiment_score":0.013337844982743263}],"sentiment":"neutral","sentiment_score":0.013337844982743263,"channel":1,"num_words":1,"start":872.055,"end":872.375},{"sentences":[{"text":"benefit.","start":872.27,"end":872.77,"sentiment":"neutral","sentiment_score":0.021200992166996}],"sentiment":"neutral","sentiment_score":0.021200992166996,"channel":0,"num_words":1,"start":872.27,"end":872.77},{"sentences":[{"text":"Yeah.","start":872.375,"end":872.45496,"sentiment":"neutral","sentiment_score":0.03339838981628418},{"text":"Yeah.","start":872.45496,"end":872.615,"sentiment":"neutral","sentiment_score":0.03929569199681282},{"text":"That's alright.","start":872.615,"end":873.355,"sentiment":"neutral","sentiment_score":0.060747694224119186}],"sentiment":"neutral","sentiment_score":0.04854736756533384,"channel":1,"num_words":4,"start":872.375,"end":873.355},{"sentences":[{"text":"Or you can just leave it to your spouse and then sort of leave other things outside of that to your your children to sort of equal things out","start":873.875,"end":881.17505,"sentiment":"neutral","sentiment_score":0.037545843756404414}],"sentiment":"neutral","sentiment_score":0.037545843756404414,"channel":0,"num_words":29,"start":873.875,"end":881.17505},{"sentences":[{"text":"Yep.","start":881.82996,"end":882.32996,"sentiment":"neutral","sentiment_score":0.0017310406547039747}],"sentiment":"neutral","sentiment_score":0.0017310406547039747,"channel":1,"num_words":1,"start":881.82996,"end":882.32996},{"sentences":[{"text":"once they sort of get a bit older and things like that.","start":882.435,"end":884.275,"sentiment":"neutral","sentiment_score":-0.029731537370632093},{"text":"Something just to be mindful of.","start":884.275,"end":885.66,"sentiment":"neutral","sentiment_score":0.0008734663327534994}],"sentiment":"neutral","sentiment_score":-0.019529869469503563,"channel":0,"num_words":18,"start":882.435,"end":885.66},{"sentences":[{"text":"Yeah.","start":886.23,"end":886.73,"sentiment":"neutral","sentiment_score":0.16166165471076965},{"text":"It's cool.","start":886.79,"end":887.52997,"sentiment":"neutral","sentiment_score":0.24204345047473907},{"text":"Never actually knew that.","start":888.55,"end":890.08997,"sentiment":"neutral","sentiment_score":0.09942120313644409}],"sentiment":"neutral","sentiment_score":0.14906190974371775,"channel":1,"num_words":7,"start":886.23,"end":890.08997},{"sentences":[{"text":"Yeah.","start":891.66,"end":891.81995,"sentiment":"neutral","sentiment_score":0.05174126476049423},{"text":"Obviously, I think the kids are still quite young.","start":891.81995,"end":894.06,"sentiment":"neutral","sentiment_score":0.013174795028236177},{"text":"They're sort of in their early teens there, so you've still got a bit of time to think about how you might wanna structure that.","start":894.06,"end":898.37994,"sentiment":"neutral","sentiment_score":0.0757036118209362},{"text":"And you can even have a chat with the lawyer how you might wanna structure things a little","start":898.37994,"end":901.635,"sentiment":"neutral","sentiment_score":0.1271185829407639}],"sentiment":"neutral","sentiment_score":0.08209507940512784,"channel":0,"num_words":53,"start":891.66,"end":901.635},{"sentences":[{"text":"Yeah.","start":901.565,"end":902.065,"sentiment":"neutral","sentiment_score":0.06896218657493591}],"sentiment":"neutral","sentiment_score":0.06896218657493591,"channel":1,"num_words":1,"start":901.565,"end":902.065},{"sentences":[{"text":"bit as well with, like, a","start":901.635,"end":902.59503,"sentiment":"neutral","sentiment_score":0.09979468335707982}],"sentiment":"neutral","sentiment_score":0.09979468335707982,"channel":0,"num_words":6,"start":901.635,"end":902.59503},{"sentences":[{"text":"Yep.","start":902.525,"end":903.025,"sentiment":"neutral","sentiment_score":0.08705472946166992}],"sentiment":"neutral","sentiment_score":0.08705472946166992,"channel":1,"num_words":1,"start":902.525,"end":903.025},{"sentences":[{"text":"joint will with your partner and things like that as well.","start":902.59503,"end":904.855,"sentiment":"neutral","sentiment_score":0.08700705455108122}],"sentiment":"neutral","sentiment_score":0.08700705455108122,"channel":0,"num_words":11,"start":902.59503,"end":904.855},{"sentences":[{"text":"Yeah.","start":905.9,"end":906.06006,"sentiment":"neutral","sentiment_score":-0.013215628452599049},{"text":"It would not","start":906.06006,"end":906.88,"sentiment":"neutral","sentiment_score":-0.030117052296797436}],"sentiment":"neutral","sentiment_score":-0.025891696335747838,"channel":1,"num_words":4,"start":905.9,"end":906.88},{"sentences":[{"text":"Yeah.","start":908.115,"end":908.515,"sentiment":"neutral","sentiment_score":-0.020272359251976013}],"sentiment":"neutral","sentiment_score":-0.020272359251976013,"channel":0,"num_words":1,"start":908.115,"end":908.515},{"sentences":[{"text":"extend.","start":908.46,"end":908.96,"sentiment":"neutral","sentiment_score":-0.021813541650772095}],"sentiment":"neutral","sentiment_score":-0.021813541650772095,"channel":1,"num_words":1,"start":908.46,"end":908.96},{"sentences":[{"text":"Perfect.","start":908.515,"end":909.015,"sentiment":"neutral","sentiment_score":0.3173137307167053},{"text":"And this one's a bit of a random one, but you're not politically exposed at all that I you don't have any sort of role in politics or any family in politics or local council,","start":910.03503,"end":918.75,"sentiment":"neutral","sentiment_score":-0.02970777787268162}],"sentiment":"neutral","sentiment_score":-0.020068291522976425,"channel":0,"num_words":36,"start":908.515,"end":918.75},{"sentences":[{"text":"No.","start":918.7,"end":919.2,"sentiment":"neutral","sentiment_score":-0.05844953656196594}],"sentiment":"neutral","sentiment_score":-0.05844953656196594,"channel":1,"num_words":1,"start":918.7,"end":919.2},{"sentences":[{"text":"things like that?","start":918.75,"end":919.65,"sentiment":"neutral","sentiment_score":-0.04775444852809111},{"text":"Yeah.","start":919.71,"end":919.87,"sentiment":"neutral","sentiment_score":0.16306625306606293},{"text":"Brilliant.","start":919.87,"end":920.37,"sentiment":"positive","sentiment_score":0.5469383597373962},{"text":"Bit of a weird one, but it's part of our anti money laundering.","start":921.31,"end":923.87,"sentiment":"neutral","sentiment_score":0.09308398600954276},{"text":"Yeah.","start":923.87,"end":924.37,"sentiment":"neutral","sentiment_score":0.033586326986551285}],"sentiment":"neutral","sentiment_score":0.09528523222788383,"channel":0,"num_words":19,"start":918.75,"end":924.37},{"sentences":[{"text":"No.","start":925.425,"end":925.925,"sentiment":"neutral","sentiment_score":0.0021039238199591637}],"sentiment":"neutral","sentiment_score":0.0021039238199591637,"channel":1,"num_words":1,"start":925.425,"end":925.925},{"sentences":[{"text":"And then you're no tax resident anywhere else but Australia at the moment?","start":926.03,"end":929.145,"sentiment":"neutral","sentiment_score":-0.006011414699829542},{"text":"Sorry.","start":930.98505,"end":931.22504,"sentiment":"neutral","sentiment_score":-0.0020263027399778366},{"text":"Yeah.","start":931.22504,"end":931.54504,"sentiment":"neutral","sentiment_score":0.039656490087509155},{"text":"There's just a few ones that have updated there.","start":931.54504,"end":933.565,"sentiment":"neutral","sentiment_score":0.06231203840838538},{"text":"And as far as goals are concerned there, I know your main goal is to just pay down your current loans there, make sure everything on the bill was finalized, get in there.","start":934.505,"end":942.81,"sentiment":"neutral","sentiment_score":0.10380780042120905}],"sentiment":"neutral","sentiment_score":0.06922715010219499,"channel":0,"num_words":57,"start":926.03,"end":942.81},{"sentences":[{"text":"Is there any","start":943.13,"end":943.52997,"sentiment":"neutral","sentiment_score":0.05007248744368553}],"sentiment":"neutral","sentiment_score":0.05007248744368553,"channel":0,"num_words":3,"start":943.13,"end":943.52997},{"sentences":[{"text":"Yeah.","start":943.35,"end":943.85,"sentiment":"neutral","sentiment_score":0.04862184822559357}],"sentiment":"neutral","sentiment_score":0.04862184822559357,"channel":1,"num_words":1,"start":943.35,"end":943.85},{"sentences":[{"text":"other goals that you're working towards at the moment?","start":943.52997,"end":945.63,"sentiment":"neutral","sentiment_score":0.04344487562775612}],"sentiment":"neutral","sentiment_score":0.04344487562775612,"channel":0,"num_words":9,"start":943.52997,"end":945.63},{"sentences":[{"text":"Yeah.","start":948.985,"end":949.38495,"sentiment":"neutral","sentiment_score":0.014446061104536057},{"text":"I think next thing is be well, get a bigger machine.","start":949.38495,"end":952.925,"sentiment":"neutral","sentiment_score":-0.010424220087853346},{"text":"Sort of and I'm not, yeah, in and out of the truck load.","start":954.50494,"end":958.665,"sentiment":"neutral","sentiment_score":-0.04249260646219437},{"text":"Yeah.","start":958.665,"end":958.985,"sentiment":"neutral","sentiment_score":0.005853134207427502},{"text":"That was probably on the next that was one thing on the to do","start":958.985,"end":964.02997,"sentiment":"neutral","sentiment_score":0.015120589307376317}],"sentiment":"neutral","sentiment_score":-0.01087707148399204,"channel":1,"num_words":40,"start":948.985,"end":964.02997},{"sentences":[{"text":"Yeah.","start":963.945,"end":964.445,"sentiment":"neutral","sentiment_score":0.02748987078666687}],"sentiment":"neutral","sentiment_score":0.02748987078666687,"channel":0,"num_words":1,"start":963.945,"end":964.445},{"sentences":[{"text":"this in the next sort of couple of years.","start":964.02997,"end":966.13,"sentiment":"neutral","sentiment_score":0.02166109676990244}],"sentiment":"neutral","sentiment_score":0.02166109676990244,"channel":1,"num_words":9,"start":964.02997,"end":966.13},{"sentences":[{"text":"Grow the business a little","start":966.585,"end":967.625,"sentiment":"neutral","sentiment_score":0.07688503563404084}],"sentiment":"neutral","sentiment_score":0.07688503563404084,"channel":0,"num_words":5,"start":966.585,"end":967.625},{"sentences":[{"text":"That's","start":967.39,"end":967.89,"sentiment":"neutral","sentiment_score":0.051449231803417206}],"sentiment":"neutral","sentiment_score":0.051449231803417206,"channel":1,"num_words":1,"start":967.39,"end":967.89},{"sentences":[{"text":"bit.","start":967.625,"end":967.78503,"sentiment":"neutral","sentiment_score":0.033560603857040405},{"text":"Maybe get someone under your sort of thing as well.","start":967.78503,"end":969.705,"sentiment":"neutral","sentiment_score":0.07187461741268635},{"text":"Just expand just","start":969.705,"end":970.59,"sentiment":"neutral","sentiment_score":0.09024204313755035}],"sentiment":"neutral","sentiment_score":0.07307377909975392,"channel":0,"num_words":14,"start":967.625,"end":970.59},{"sentences":[{"text":"right.","start":971.70996,"end":972.20996,"sentiment":"neutral","sentiment_score":0.08171772956848145}],"sentiment":"neutral","sentiment_score":0.08171772956848145,"channel":1,"num_words":1,"start":971.70996,"end":972.20996},{"sentences":[{"text":"a tiny bit.","start":972.59,"end":973.39,"sentiment":"neutral","sentiment_score":0.05522520715991656},{"text":"Yep.","start":973.39,"end":973.89,"sentiment":"neutral","sentiment_score":0.10102495551109314},{"text":"And is that sort of the main goal moving forward?","start":973.95,"end":975.87006,"sentiment":"neutral","sentiment_score":0.10016975700855255},{"text":"You're not sort of looking at anything major in the next sort of two or three years, the next","start":975.87006,"end":979.55005,"sentiment":"neutral","sentiment_score":-0.08174267264181062}],"sentiment":"neutral","sentiment_score":-0.008627655549031315,"channel":0,"num_words":33,"start":972.59,"end":979.55005},{"sentences":[{"text":"No.","start":979.365,"end":979.845,"sentiment":"neutral","sentiment_score":-0.07879826426506042}],"sentiment":"neutral","sentiment_score":-0.07879826426506042,"channel":1,"num_words":1,"start":979.365,"end":979.845},{"sentences":[{"text":"five years?","start":979.55005,"end":980.29004,"sentiment":"neutral","sentiment_score":-0.074213657528162}],"sentiment":"neutral","sentiment_score":-0.074213657528162,"channel":0,"num_words":2,"start":979.55005,"end":980.29004},{"sentences":[{"text":"Not at this stage.","start":979.845,"end":980.725,"sentiment":"neutral","sentiment_score":-0.12317334860563278},{"text":"That's yeah.","start":980.725,"end":981.445,"sentiment":"neutral","sentiment_score":-0.020104840397834778},{"text":"Probably just upgrade the truck and, yeah, bigger probably a bigger machine to a bit more weather likely that rather than sitting in the open cab.","start":981.445,"end":992.27,"sentiment":"neutral","sentiment_score":0.0057425768329547}],"sentiment":"neutral","sentiment_score":-0.011987377423793077,"channel":1,"num_words":32,"start":979.845,"end":992.27},{"sentences":[{"text":"Perfect.","start":993.725,"end":994.225,"sentiment":"positive","sentiment_score":0.38221144676208496},{"text":"Give that to to someone else and run a second crew, something like that.","start":994.365,"end":997.58997,"sentiment":"neutral","sentiment_score":0.29218232205935885},{"text":"You get the nice machine.","start":997.58997,"end":998.89,"sentiment":"positive","sentiment_score":0.4970564067363739}],"sentiment":"positive","sentiment_score":0.34790229946374895,"channel":0,"num_words":20,"start":993.725,"end":998.89},{"sentences":[{"text":"All all the hot dogs are sitting there.","start":999.29004,"end":1001.37,"sentiment":"neutral","sentiment_score":0.1606834139674902},{"text":"Connor.","start":1001.37,"end":1001.87,"sentiment":"neutral","sentiment_score":0.044907912611961365}],"sentiment":"neutral","sentiment_score":0.14781946937243143,"channel":1,"num_words":9,"start":999.29004,"end":1001.87},{"sentences":[{"text":"Yeah.","start":1003.02997,"end":1003.35,"sentiment":"neutral","sentiment_score":0.06323941051959991},{"text":"That that'd be the way.","start":1003.35,"end":1004.73,"sentiment":"neutral","sentiment_score":0.07347558885812759},{"text":"As far as your risk profile goes, we'll just go through a few questions there and make sure that's still up to date there.","start":1006.23,"end":1011.46497,"sentiment":"neutral","sentiment_score":0.06078527153780063},{"text":"So you're currently in a high growth.","start":1011.46497,"end":1012.665,"sentiment":"neutral","sentiment_score":0.09198913403919765},{"text":"It's around that ninety ten sort of split.","start":1012.665,"end":1014.505,"sentiment":"neutral","sentiment_score":0.0664537469856441}],"sentiment":"neutral","sentiment_score":0.06811150635282198,"channel":0,"num_words":45,"start":1003.02997,"end":1014.505},{"sentences":[{"text":"So 90% growth assets, about 10% defensive.","start":1014.505,"end":1017.325,"sentiment":"neutral","sentiment_score":0.12130419484206609},{"text":"And we'll just go through a few questions to make sure that's still up to date there for you.","start":1017.945,"end":1022.26495,"sentiment":"neutral","sentiment_score":0.14809130387086616},{"text":"So in regards to most aggressive investment you've made, have you had any direct share holdings or bought any direct shares recently or","start":1022.26495,"end":1029.5,"sentiment":"neutral","sentiment_score":0.01703678079597328}],"sentiment":"neutral","sentiment_score":0.08274918562751643,"channel":0,"num_words":49,"start":1014.505,"end":1029.5},{"sentences":[{"text":"No.","start":1029.49,"end":1029.99,"sentiment":"neutral","sentiment_score":-0.03728300333023071}],"sentiment":"neutral","sentiment_score":-0.03728300333023071,"channel":1,"num_words":1,"start":1029.49,"end":1029.99},{"sentences":[{"text":"before?","start":1029.5,"end":1030.0,"sentiment":"neutral","sentiment_score":-0.009112726897001266},{"text":"Yep.","start":1030.86,"end":1031.26,"sentiment":"neutral","sentiment_score":0.16209113597869873},{"text":"That's fine.","start":1031.26,"end":1032.08,"sentiment":"positive","sentiment_score":0.3342246860265732},{"text":"And then with inflation, obviously, you know, having a younger family probably feel it a little bit more than most of the cost of living, but are you still willing to accept a moderate sort of amount of risk to outpace inflation or a higher amount of risk to","start":1033.26,"end":1044.245,"sentiment":"neutral","sentiment_score":-0.0006149289559344856}],"sentiment":"neutral","sentiment_score":0.014930118156491586,"channel":0,"num_words":53,"start":1029.5,"end":1044.245},{"sentences":[{"text":"Sorry.","start":1044.24,"end":1044.64,"sentiment":"neutral","sentiment_score":-0.08278369903564453}],"sentiment":"neutral","sentiment_score":-0.08278369903564453,"channel":1,"num_words":1,"start":1044.24,"end":1044.64},{"sentences":[{"text":"outpace","start":1044.245,"end":1044.645,"sentiment":"neutral","sentiment_score":-0.06850975006818771}],"sentiment":"neutral","sentiment_score":-0.06850975006818771,"channel":0,"num_words":1,"start":1044.245,"end":1044.645},{"sentences":[{"text":"I","start":1044.64,"end":1045.14,"sentiment":"neutral","sentiment_score":-0.08321480453014374}],"sentiment":"neutral","sentiment_score":-0.08321480453014374,"channel":1,"num_words":1,"start":1044.64,"end":1045.14},{"sentences":[{"text":"inflation?","start":1044.645,"end":1045.145,"sentiment":"neutral","sentiment_score":-0.10048869997262956}],"sentiment":"neutral","sentiment_score":-0.10048869997262956,"channel":0,"num_words":1,"start":1044.645,"end":1045.145},{"sentences":[{"text":"got off just a minute with the machine.","start":1046.24,"end":1047.94,"sentiment":"neutral","sentiment_score":-0.12142608594149351}],"sentiment":"neutral","sentiment_score":-0.12142608594149351,"channel":1,"num_words":8,"start":1046.24,"end":1047.94},{"sentences":[{"text":"No.","start":1048.485,"end":1048.645,"sentiment":"neutral","sentiment_score":-0.05373719334602356},{"text":"That's fine.","start":1048.645,"end":1049.385,"sentiment":"neutral","sentiment_score":0.05835256911814213},{"text":"So in regards to, like, inflation, obviously, as that goes up, your money can sort of devalue if it's just sort of sitting in the blank the bank or you're just getting, like, the cash interest rate as opposed to, like, being invested in getting a greater return.","start":1049.765,"end":1061.9701,"sentiment":"neutral","sentiment_score":-0.13078716405046484},{"text":"Obviously, that caves with the level of risk.","start":1062.51,"end":1064.445,"sentiment":"neutral","sentiment_score":-0.2682421747595072},{"text":"How much risk do you think you'd be willing to take to sort of grow your money?","start":1064.7649,"end":1067.965,"sentiment":"neutral","sentiment_score":-0.10490676497711855}],"sentiment":"neutral","sentiment_score":-0.13347589910814636,"channel":0,"num_words":76,"start":1048.485,"end":1067.965},{"sentences":[{"text":"Would you say you're a bit of a moderate risk taker or a higher risk taker?","start":1067.965,"end":1070.7849,"sentiment":"neutral","sentiment_score":-0.07429251703433692}],"sentiment":"neutral","sentiment_score":-0.07429251703433692,"channel":0,"num_words":16,"start":1067.965,"end":1070.7849},{"sentences":[{"text":"Probably more on the moderate, I think.","start":1072.9099,"end":1074.4299,"sentiment":"neutral","sentiment_score":-0.057309573250157494},{"text":"I would imagine.","start":1074.4299,"end":1075.33,"sentiment":"neutral","sentiment_score":-0.026675549646218617},{"text":"I I reckon.","start":1075.3899,"end":1076.37,"sentiment":"neutral","sentiment_score":0.012267607574661573}],"sentiment":"neutral","sentiment_score":-0.03418391068967489,"channel":1,"num_words":13,"start":1072.9099,"end":1076.37},{"sentences":[{"text":"Yep.","start":1076.46,"end":1076.96,"sentiment":"neutral","sentiment_score":0.1084907054901123},{"text":"Not a problem.","start":1078.0599,"end":1078.96,"sentiment":"neutral","sentiment_score":0.14351346592108408}],"sentiment":"neutral","sentiment_score":0.13475777581334114,"channel":0,"num_words":4,"start":1076.46,"end":1078.96},{"sentences":[{"text":"Yeah.","start":1079.23,"end":1079.73,"sentiment":"neutral","sentiment_score":0.04204362630844116}],"sentiment":"neutral","sentiment_score":0.04204362630844116,"channel":1,"num_words":1,"start":1079.23,"end":1079.73},{"sentences":[{"text":"And then as far as if your portfolio was to decrease, so, obviously, there's ups and downs in the market.","start":1079.26,"end":1085.5,"sentiment":"neutral","sentiment_score":-0.12803338076919318},{"text":"And with, you know, what's been going on the past sort of year with Trump's tariffs, the wars,","start":1085.5,"end":1090.0,"sentiment":"neutral","sentiment_score":-0.15413057307402292}],"sentiment":"neutral","sentiment_score":-0.1403952087030599,"channel":0,"num_words":38,"start":1079.26,"end":1090.0},{"sentences":[{"text":"Yes.","start":1090.225,"end":1090.725,"sentiment":"neutral","sentiment_score":-0.08091103285551071}],"sentiment":"neutral","sentiment_score":-0.08091103285551071,"channel":1,"num_words":1,"start":1090.225,"end":1090.725},{"sentences":[{"text":"those sort of things kicking off.","start":1090.3451,"end":1091.2251,"sentiment":"neutral","sentiment_score":-0.17879878481229147},{"text":"It's been a bit of a a bit of a down.","start":1091.2251,"end":1093.165,"sentiment":"neutral","sentiment_score":-0.19345136935060675},{"text":"But in saying that, how much would it have to drop before you'd be quite concerned?","start":1093.305,"end":1097.0851,"sentiment":"neutral","sentiment_score":-0.1545085518155247},{"text":"Like, if it dropped by 20%, would you just still hold it out and know that sort of, you know, the markets would turn around, or would you say that you'd look to maybe be a bit more secure and a bit more defensive in your investments?","start":1097.545,"end":1108.2699,"sentiment":"neutral","sentiment_score":-0.1399587001255218},{"text":"Or","start":1108.33,"end":1108.83,"sentiment":"neutral","sentiment_score":-0.0934407189488411}],"sentiment":"neutral","sentiment_score":-0.15239992871144672,"channel":0,"num_words":81,"start":1090.3451,"end":1108.83},{"sentences":[{"text":"Yeah.","start":1110.23,"end":1110.55,"sentiment":"neutral","sentiment_score":-0.15109431743621826},{"text":"That's a hard one.","start":1110.55,"end":1111.61,"sentiment":"negative","sentiment_score":-0.36508648097515106},{"text":"Is it real signs if it ever crashed?","start":1116.0449,"end":1118.385,"sentiment":"negative","sentiment_score":-0.3520720601081848}],"sentiment":"negative","sentiment_score":-0.34061667093863857,"channel":1,"num_words":13,"start":1110.23,"end":1118.385},{"sentences":[{"text":"Yeah.","start":1120.585,"end":1120.985,"sentiment":"neutral","sentiment_score":-0.18870830535888672},{"text":"So, like, in regards to the markets, obviously, they've gone backwards a little bit this sort of last twelve months.","start":1120.985,"end":1126.505,"sentiment":"neutral","sentiment_score":-0.19138243049383163},{"text":"But if it was to die sort of like COVID, would you still be comfortable putting money, like, in your superannuation for those investments to return at a later date and like having sort of conviction that they will sort of return at some point?","start":1126.505,"end":1137.75,"sentiment":"neutral","sentiment_score":0.042342309984895916}],"sentiment":"neutral","sentiment_score":-0.03198413584720005,"channel":0,"num_words":66,"start":1120.585,"end":1137.75},{"sentences":[{"text":"Yeah.","start":1138.8451,"end":1139.165,"sentiment":"neutral","sentiment_score":-0.028506841510534286},{"text":"I think so.","start":1139.165,"end":1140.145,"sentiment":"neutral","sentiment_score":-0.05965145925680796},{"text":"I have to talk to someone like you guys, I reckon, and I'll get the best advice, like, if it was because it was a bit nuts.","start":1141.405,"end":1150.785,"sentiment":"neutral","sentiment_score":-0.1278584329066453}],"sentiment":"neutral","sentiment_score":-0.11805286799227038,"channel":1,"num_words":31,"start":1138.8451,"end":1150.785},{"sentences":[{"text":"Yeah.","start":1152.5449,"end":1152.7849,"sentiment":"neutral","sentiment_score":0.10805339366197586},{"text":"Yep.","start":1152.7849,"end":1153.2849,"sentiment":"neutral","sentiment_score":0.18550264835357663},{"text":"Perfect.","start":1153.825,"end":1154.3049,"sentiment":"positive","sentiment_score":0.4318746328353882},{"text":"And then with that, though, did that make you a bit cautious at all or sorta concerned when it did dip during COVID?","start":1154.3049,"end":1160.88,"sentiment":"neutral","sentiment_score":-0.03287344150569128}],"sentiment":"neutral","sentiment_score":-0.0011791722992291818,"channel":0,"num_words":26,"start":1152.5449,"end":1160.88},{"sentences":[{"text":"Not extremely.","start":1161.7001,"end":1162.52,"sentiment":"neutral","sentiment_score":-0.2536327838897705},{"text":"No.","start":1162.5801,"end":1163.0801,"sentiment":"neutral","sentiment_score":-0.2389477491378784},{"text":"Yeah.","start":1164.5,"end":1165.0,"sentiment":"neutral","sentiment_score":-0.16350162029266355},{"text":"Thought it was always gonna be a lot at the end.","start":1165.14,"end":1167.88,"sentiment":"neutral","sentiment_score":-0.18764592368494382},{"text":"But, yeah, this was probably was I don't know what's gonna happen with ours.","start":1169.355,"end":1175.4551,"sentiment":"neutral","sentiment_score":-0.24751681621585572}],"sentiment":"neutral","sentiment_score":-0.2220363974057395,"channel":1,"num_words":29,"start":1161.7001,"end":1175.4551},{"sentences":[{"text":"Yeah.","start":1176.075,"end":1176.3949,"sentiment":"neutral","sentiment_score":-0.10417485237121582},{"text":"So previously, you're a little bit more optimistic about market outcomes, but obviously, if a World War three kicks off, you're a little bit more pessimistic with that one.","start":1176.3949,"end":1183.11,"sentiment":"neutral","sentiment_score":-0.25474945173181335}],"sentiment":"neutral","sentiment_score":-0.24973029841979344,"channel":0,"num_words":30,"start":1176.075,"end":1183.11},{"sentences":[{"text":"Yeah.","start":1182.9299,"end":1183.25,"sentiment":"neutral","sentiment_score":-0.013630662113428116},{"text":"That's right.","start":1183.25,"end":1184.1499,"sentiment":"neutral","sentiment_score":0.04623447358608246}],"sentiment":"neutral","sentiment_score":0.026279428352912266,"channel":1,"num_words":3,"start":1182.9299,"end":1184.1499},{"sentences":[{"text":"Yeah.","start":1184.71,"end":1185.11,"sentiment":"neutral","sentiment_score":4.153698682785034e-6},{"text":"No.","start":1185.11,"end":1185.51,"sentiment":"neutral","sentiment_score":-0.11903049051761629},{"text":"Completely understandable.","start":1185.51,"end":1186.57,"sentiment":"neutral","sentiment_score":-0.10900222882628441}],"sentiment":"neutral","sentiment_score":-0.08425769861787558,"channel":0,"num_words":4,"start":1184.71,"end":1186.57},{"sentences":[{"text":"Yeah.","start":1187.09,"end":1187.59,"sentiment":"neutral","sentiment_score":-0.04138675704598427}],"sentiment":"neutral","sentiment_score":-0.04138675704598427,"channel":1,"num_words":1,"start":1187.09,"end":1187.59},{"sentences":[{"text":"And then with borrowed money, obviously, you've got borrowed money for, you know, like, the investment property there and your your primary residence.","start":1188.47,"end":1195.75,"sentiment":"neutral","sentiment_score":-0.027763785227485325},{"text":"But would you ever put borrowed money into anything riskier like an investment portfolio?","start":1195.75,"end":1199.905,"sentiment":"neutral","sentiment_score":-0.1440813328538622},{"text":"So if you had, like, a loan or redraw on your mortgage to have, like, an investment outside of superannuation, would you ever consider that?","start":1199.905,"end":1206.405,"sentiment":"neutral","sentiment_score":-0.08689183115959168}],"sentiment":"neutral","sentiment_score":-0.07787099192219396,"channel":0,"num_words":62,"start":1188.47,"end":1206.405},{"sentences":[{"text":"I think, like yeah.","start":1207.585,"end":1208.965,"sentiment":"neutral","sentiment_score":-0.024237249046564102},{"text":"Potentially.","start":1209.66,"end":1210.16,"sentiment":"neutral","sentiment_score":0.008902117609977722},{"text":"Yeah.","start":1210.38,"end":1210.78,"sentiment":"neutral","sentiment_score":0.0293787382543087},{"text":"Like, one like I said, like you said, main thing is we get rid of that house loan.","start":1210.78,"end":1215.42,"sentiment":"neutral","sentiment_score":0.007658810044328372},{"text":"We'll get it down.","start":1215.42,"end":1216.4,"sentiment":"neutral","sentiment_score":0.039702762849628925}],"sentiment":"neutral","sentiment_score":0.008500053281230586,"channel":1,"num_words":28,"start":1207.585,"end":1216.4},{"sentences":[{"text":"And then, yeah, if we'll sit down well, yeah, I would definitely.","start":1217.9801,"end":1221.04,"sentiment":"neutral","sentiment_score":0.18088006973266602}],"sentiment":"neutral","sentiment_score":0.18088006973266602,"channel":1,"num_words":12,"start":1217.9801,"end":1221.04},{"sentences":[{"text":"Yeah.","start":1222.0951,"end":1222.5751,"sentiment":"neutral","sentiment_score":0.11159047484397888},{"text":"So, obviously, you've, like, set yourself up well with, like, the property side of things, having your primary residence there, having an investment property.","start":1222.5751,"end":1229.3151,"sentiment":"neutral","sentiment_score":0.16116270733376345},{"text":"The next sort of step after that, once you're sort of comfortable with your level of debt and paying down your your mortgage would be to sort of potentially look at, you know, leveraging some some debt there to","start":1229.4551,"end":1239.3401,"sentiment":"neutral","sentiment_score":0.0930691244892585}],"sentiment":"neutral","sentiment_score":0.11889361415524036,"channel":0,"num_words":64,"start":1222.0951,"end":1239.3401},{"sentences":[{"text":"Yep.","start":1239.33,"end":1239.83,"sentiment":"neutral","sentiment_score":0.008601527661085129}],"sentiment":"neutral","sentiment_score":0.008601527661085129,"channel":1,"num_words":1,"start":1239.33,"end":1239.83},{"sentences":[{"text":"either have, like, an investment portfolio and or another investment outside of superannuation to help continue to grow your wealth while you're you're working sort of thing.","start":1239.3401,"end":1247.92,"sentiment":"neutral","sentiment_score":0.23022982781683957}],"sentiment":"neutral","sentiment_score":0.23022982781683957,"channel":0,"num_words":27,"start":1239.3401,"end":1247.92},{"sentences":[{"text":"Yeah.","start":1247.97,"end":1248.47,"sentiment":"neutral","sentiment_score":0.14952944219112396},{"text":"Yeah.","start":1249.09,"end":1249.59,"sentiment":"neutral","sentiment_score":0.12966421246528623}],"sentiment":"neutral","sentiment_score":0.1395968273282051,"channel":1,"num_words":2,"start":1247.97,"end":1249.59},{"sentences":[{"text":"Because, obviously, the the potential upside is a lot higher with, like, using other people's money or the bank's","start":1250.1549,"end":1255.5149,"sentiment":"neutral","sentiment_score":0.24476978418074155}],"sentiment":"neutral","sentiment_score":0.24476978418074155,"channel":0,"num_words":19,"start":1250.1549,"end":1255.5149},{"sentences":[{"text":"Yep.","start":1255.275,"end":1255.775,"sentiment":"neutral","sentiment_score":0.16259285807609558}],"sentiment":"neutral","sentiment_score":0.16259285807609558,"channel":1,"num_words":1,"start":1255.275,"end":1255.775},{"sentences":[{"text":"money to be able to sort of get a return on investment versus, like, the loan repayments.","start":1255.5149,"end":1259.7749,"sentiment":"neutral","sentiment_score":0.16243616491556168},{"text":"Obviously, you know, the risk of that is if, like, the markets were to go down, you're still liable for that loan at the rate you sort of borrowed at as well, which","start":1259.835,"end":1266.36,"sentiment":"neutral","sentiment_score":-0.32581140913746576}],"sentiment":"neutral","sentiment_score":-0.1598072339594364,"channel":0,"num_words":50,"start":1255.5149,"end":1266.36},{"sentences":[{"text":"Yep.","start":1266.24,"end":1266.74,"sentiment":"neutral","sentiment_score":-0.17033535242080688}],"sentiment":"neutral","sentiment_score":-0.17033535242080688,"channel":1,"num_words":1,"start":1266.24,"end":1266.74},{"sentences":[{"text":"is something to be mindful of.","start":1266.36,"end":1267.8999,"sentiment":"neutral","sentiment_score":-0.22577660530805588}],"sentiment":"neutral","sentiment_score":-0.22577660530805588,"channel":0,"num_words":6,"start":1266.36,"end":1267.8999},{"sentences":[{"text":"Yeah.","start":1268.56,"end":1268.88,"sentiment":"neutral","sentiment_score":0.02343658171594143},{"text":"That's","start":1268.88,"end":1269.12,"sentiment":"neutral","sentiment_score":0.019600771367549896}],"sentiment":"neutral","sentiment_score":0.021518676541745663,"channel":1,"num_words":2,"start":1268.56,"end":1269.12},{"sentences":[{"text":"But that's","start":1268.9199,"end":1269.58,"sentiment":"neutral","sentiment_score":0.06839699670672417}],"sentiment":"neutral","sentiment_score":0.06839699670672417,"channel":0,"num_words":2,"start":1268.9199,"end":1269.58},{"sentences":[{"text":"right.","start":1269.12,"end":1269.52,"sentiment":"neutral","sentiment_score":0.1907534301280975},{"text":"Yep.","start":1269.52,"end":1270.02,"sentiment":"neutral","sentiment_score":0.3035770356655121}],"sentiment":"neutral","sentiment_score":0.2471652328968048,"channel":1,"num_words":2,"start":1269.12,"end":1270.02},{"sentences":[{"text":"a few years down the track yet, so that's more than fine.","start":1269.6399,"end":1272.46,"sentiment":"neutral","sentiment_score":0.3269681930541992},{"text":"That does bring you out to a high growth investor, which is still in line with what they currently got you in.","start":1272.84,"end":1277.345,"sentiment":"positive","sentiment_score":0.5578311898491599},{"text":"Are you still happy being in a high growth portfolio?","start":1277.345,"end":1279.725,"sentiment":"positive","sentiment_score":0.44615973234176637}],"sentiment":"positive","sentiment_score":0.46948867765339936,"channel":0,"num_words":44,"start":1269.6399,"end":1279.725},{"sentences":[{"text":"Yeah.","start":1282.335,"end":1282.835,"sentiment":"neutral","sentiment_score":0.2924748361110687}],"sentiment":"neutral","sentiment_score":0.2924748361110687,"channel":1,"num_words":1,"start":1282.335,"end":1282.835},{"sentences":[{"text":"Yep.","start":1284.265,"end":1284.585,"sentiment":"neutral","sentiment_score":0.2981876730918884},{"text":"Obviously, you've got the the time horizon there as well to be able to weather those dips in the market a little bit as well.","start":1284.585,"end":1291.71,"sentiment":"neutral","sentiment_score":0.22274297326803208},{"text":"Now in terms of the other documents we're gonna provide you there, so I know you completed that ongoing service agreement already, but I'll send out a notice on there.","start":1292.09,"end":1300.905,"sentiment":"neutral","sentiment_score":0.09327661991119385},{"text":"Some of this contain a tax file opt in form as a signable docket.","start":1300.985,"end":1304.685,"sentiment":"neutral","sentiment_score":0.07019344983356339},{"text":"That's just the they've","start":1304.745,"end":1305.785,"sentiment":"neutral","sentiment_score":0.09616883844137192}],"sentiment":"neutral","sentiment_score":0.1355735709941065,"channel":0,"num_words":74,"start":1284.265,"end":1305.785},{"sentences":[{"text":"Yep.","start":1305.66,"end":1306.16,"sentiment":"neutral","sentiment_score":0.11162712424993516}],"sentiment":"neutral","sentiment_score":0.11162712424993516,"channel":1,"num_words":1,"start":1305.66,"end":1306.16},{"sentences":[{"text":"updated the form on where we store your tax file number.","start":1305.785,"end":1308.285,"sentiment":"neutral","sentiment_score":0.10797258669679816},{"text":"It'll also have your your Vanguard index chart shows the sort of market that we're at thirty year period, your dividend currency for your insurances, also your twelve month performance.","start":1308.425,"end":1318.18,"sentiment":"neutral","sentiment_score":0.135398597518603},{"text":"Now","start":1318.24,"end":1318.74,"sentiment":"neutral","sentiment_score":-0.031350817531347275}],"sentiment":"neutral","sentiment_score":0.12424537051646482,"channel":0,"num_words":42,"start":1305.785,"end":1318.74},{"sentences":[{"text":"Yep.","start":1318.985,"end":1319.485,"sentiment":"neutral","sentiment_score":-0.07358035445213318}],"sentiment":"neutral","sentiment_score":-0.07358035445213318,"channel":1,"num_words":1,"start":1318.985,"end":1319.485},{"sentences":[{"text":"in regards to that, as I said, with everything that did occur, it has not had a great year.","start":1319.12,"end":1323.4401,"sentiment":"neutral","sentiment_score":-0.25187429236738307},{"text":"It only did, like, point 47% after fees, and that's largely due to the tech sector taking a bit of a dive.","start":1323.4401,"end":1330.315,"sentiment":"negative","sentiment_score":-0.40226250751452014},{"text":"The the market sort of dipping with the announcement of those wars and then also a your underlying investment, the active portion, Benelon.","start":1330.315,"end":1338.175,"sentiment":"neutral","sentiment_score":-0.22483741524426834},{"text":"They had an underlying asset that was done for not reporting correctly, which caused them to have to reevaluate that stock and the fund itself to, like, basically, they've lost a a bit of funds under management due to that.","start":1339.035,"end":1351.8601,"sentiment":"negative","sentiment_score":-0.5078126646578311},{"text":"Now","start":1351.8601,"end":1352.3601,"sentiment":"neutral","sentiment_score":-0.26229092478752136}],"sentiment":"negative","sentiment_score":-0.3750613788763682,"channel":0,"num_words":105,"start":1319.12,"end":1352.3601},{"sentences":[{"text":"Yep.","start":1352.5801,"end":1353.0801,"sentiment":"neutral","sentiment_score":-0.2195261716842651}],"sentiment":"neutral","sentiment_score":-0.2195261716842651,"channel":1,"num_words":1,"start":1352.5801,"end":1353.0801},{"sentences":[{"text":"because of that dip and then the fact that everything has occurred there, as a business, they made a decision to move away from the Bennelong, equities managed fund and look at updating those portfolios.","start":1353.06,"end":1364.755,"sentiment":"negative","sentiment_score":-0.3367775538137981},{"text":"Now","start":1365.215,"end":1365.715,"sentiment":"neutral","sentiment_score":-0.05040900409221649}],"sentiment":"neutral","sentiment_score":-0.3288228718770875,"channel":0,"num_words":36,"start":1353.06,"end":1365.715},{"sentences":[{"text":"Yep.","start":1365.62,"end":1366.12,"sentiment":"neutral","sentiment_score":0.03617337718605995}],"sentiment":"neutral","sentiment_score":0.03617337718605995,"channel":1,"num_words":1,"start":1365.62,"end":1366.12},{"sentences":[{"text":"given your time on board, it's probably better to have, like, a bit of a refresh totally of your portfolio because it is a little bit tech heavy, which I'm a bit concerned about there as well, given how","start":1366.42,"end":1375.54,"sentiment":"neutral","sentiment_score":0.03268539790923779}],"sentiment":"neutral","sentiment_score":0.03268539790923779,"channel":0,"num_words":39,"start":1366.42,"end":1375.54},{"sentences":[{"text":"Yep.","start":1375.375,"end":1375.875,"sentiment":"neutral","sentiment_score":0.04773204028606415}],"sentiment":"neutral","sentiment_score":0.04773204028606415,"channel":1,"num_words":1,"start":1375.375,"end":1375.875},{"sentences":[{"text":"that has sort of traveled the last year as well.","start":1375.54,"end":1378.1,"sentiment":"neutral","sentiment_score":0.035219446569681165},{"text":"So we can look at just updating that as a whole.","start":1378.1,"end":1380.52,"sentiment":"neutral","sentiment_score":0.14132018251852554},{"text":"Now the options there is we can look to have it to where you still have an active portion in that, or we can look to just go sort of fully passive.","start":1380.8201,"end":1389.6749,"sentiment":"neutral","sentiment_score":0.13956685829907656},{"text":"And then with that, you do pay a lower investment cost, and it just kinda tracks what the markets are doing.","start":1390.0549,"end":1394.955,"sentiment":"neutral","sentiment_score":0.25382126725855325},{"text":"And you're not sort of betting on a fund manager to make the right decisions, especially with the markets","start":1395.7001,"end":1400.02,"sentiment":"neutral","sentiment_score":-0.010048218855732366}],"sentiment":"neutral","sentiment_score":0.12378695046388975,"channel":0,"num_words":93,"start":1375.54,"end":1400.02},{"sentences":[{"text":"Yep.","start":1399.745,"end":1400.245,"sentiment":"neutral","sentiment_score":0.09986434876918791}],"sentiment":"neutral","sentiment_score":0.09986434876918791,"channel":1,"num_words":1,"start":1399.745,"end":1400.245},{"sentences":[{"text":"at the moment, there is obviously opportunities to be able to outperform the market when the markets are topsy-turvy like this.","start":1400.02,"end":1405.88,"sentiment":"neutral","sentiment_score":0.07786116784527189},{"text":"But also","start":1405.9401,"end":1406.42,"sentiment":"neutral","sentiment_score":-0.1570093184709549}],"sentiment":"neutral","sentiment_score":0.057437647296034774,"channel":0,"num_words":23,"start":1400.02,"end":1406.42},{"sentences":[{"text":"Yep.","start":1406.225,"end":1406.725,"sentiment":"neutral","sentiment_score":-0.22751128673553467}],"sentiment":"neutral","sentiment_score":-0.22751128673553467,"channel":1,"num_words":1,"start":1406.225,"end":1406.725},{"sentences":[{"text":"with those many funds, it's also like that did occur as the option that it does potentially out like, perform worse than just what the markets are doing as well, if that","start":1406.42,"end":1418.015,"sentiment":"negative","sentiment_score":-0.46607222314924}],"sentiment":"negative","sentiment_score":-0.46607222314924,"channel":0,"num_words":32,"start":1406.42,"end":1418.015},{"sentences":[{"text":"Yeah.","start":1417.94,"end":1418.26,"sentiment":"neutral","sentiment_score":-0.07508228719234467}],"sentiment":"neutral","sentiment_score":-0.07508228719234467,"channel":1,"num_words":1,"start":1417.94,"end":1418.26},{"sentences":[{"text":"makes sense.","start":1418.015,"end":1418.755,"sentiment":"neutral","sentiment_score":-0.026044558733701702}],"sentiment":"neutral","sentiment_score":-0.026044558733701702,"channel":0,"num_words":2,"start":1418.015,"end":1418.755},{"sentences":[{"text":"Okay.","start":1418.26,"end":1418.76,"sentiment":"neutral","sentiment_score":0.019628237932920456},{"text":"Yeah.","start":1419.06,"end":1419.22,"sentiment":"neutral","sentiment_score":0.059798434376716614},{"text":"Yeah.","start":1419.22,"end":1419.54,"sentiment":"neutral","sentiment_score":0.12898464500904083},{"text":"It does.","start":1419.54,"end":1420.12,"sentiment":"neutral","sentiment_score":0.15435829013586044},{"text":"Yeah.","start":1428.075,"end":1428.235,"sentiment":"neutral","sentiment_score":0.1017419621348381}],"sentiment":"neutral","sentiment_score":0.10314497662087281,"channel":1,"num_words":6,"start":1418.26,"end":1428.235},{"sentences":[{"text":"I know.","start":1428.235,"end":1428.7949,"sentiment":"neutral","sentiment_score":0.08000071346759796},{"text":"That one.","start":1428.7949,"end":1429.455,"sentiment":"neutral","sentiment_score":0.05802915059030056}],"sentiment":"neutral","sentiment_score":0.06901493202894926,"channel":1,"num_words":4,"start":1428.235,"end":1429.455},{"sentences":[{"text":"Yeah.","start":1430.5901,"end":1430.99,"sentiment":"neutral","sentiment_score":0.1541808843612671},{"text":"Because we can show you sort of what it looks like, and then you can sort of make a decision.","start":1430.99,"end":1436.1901,"sentiment":"neutral","sentiment_score":0.28172747194767},{"text":"We can show you what the, like, if we go with a more passive approach, which is that lower cost, it will save you sort of ongoing money.","start":1436.1901,"end":1441.945,"sentiment":"positive","sentiment_score":0.3826992506427424},{"text":"And given that you're not contributing sorta at the moment,","start":1441.945,"end":1444.2849,"sentiment":"neutral","sentiment_score":0.1632994957268238}],"sentiment":"neutral","sentiment_score":0.3074119372640626,"channel":0,"num_words":59,"start":1430.5901,"end":1444.2849},{"sentences":[{"text":"Yep.","start":1444.85,"end":1445.35,"sentiment":"neutral","sentiment_score":0.24843654036521912}],"sentiment":"neutral","sentiment_score":0.24843654036521912,"channel":1,"num_words":1,"start":1444.85,"end":1445.35},{"sentences":[{"text":"it'll mean that you sort of like, fees are lower in terms of, like, the investment cost, which is, like, a guaranteed","start":1445.145,"end":1450.525,"sentiment":"neutral","sentiment_score":0.2621745236895301}],"sentiment":"neutral","sentiment_score":0.2621745236895301,"channel":0,"num_words":22,"start":1445.145,"end":1450.525},{"sentences":[{"text":"Yeah.","start":1450.53,"end":1451.03,"sentiment":"neutral","sentiment_score":0.028615761548280716}],"sentiment":"neutral","sentiment_score":0.028615761548280716,"channel":1,"num_words":1,"start":1450.53,"end":1451.03},{"sentences":[{"text":"savings even if it doesn't perform as well as, like, if you didn't have an active portal portion that did perform well, if that makes sense.","start":1450.585,"end":1457.68,"sentiment":"neutral","sentiment_score":0.010723988937500577},{"text":"Because","start":1458.2201,"end":1458.6201,"sentiment":"neutral","sentiment_score":0.023845739662647247}],"sentiment":"neutral","sentiment_score":0.011209979705098603,"channel":0,"num_words":27,"start":1450.585,"end":1458.6201},{"sentences":[{"text":"Yeah.","start":1458.605,"end":1458.925,"sentiment":"neutral","sentiment_score":0.02591949701309204}],"sentiment":"neutral","sentiment_score":0.02591949701309204,"channel":1,"num_words":1,"start":1458.605,"end":1458.925},{"sentences":[{"text":"it's not","start":1458.6201,"end":1459.02,"sentiment":"neutral","sentiment_score":-0.029841366223990917}],"sentiment":"neutral","sentiment_score":-0.029841366223990917,"channel":0,"num_words":2,"start":1458.6201,"end":1459.02},{"sentences":[{"text":"Sounds","start":1458.925,"end":1459.245,"sentiment":"neutral","sentiment_score":-0.0465000756084919}],"sentiment":"neutral","sentiment_score":-0.0465000756084919,"channel":1,"num_words":1,"start":1458.925,"end":1459.245},{"sentences":[{"text":"like the","start":1459.02,"end":1459.3401,"sentiment":"neutral","sentiment_score":-0.07374954223632812}],"sentiment":"neutral","sentiment_score":-0.07374954223632812,"channel":0,"num_words":2,"start":1459.02,"end":1459.3401},{"sentences":[{"text":"a little","start":1459.245,"end":1459.5651,"sentiment":"neutral","sentiment_score":-0.0895109623670578}],"sentiment":"neutral","sentiment_score":-0.0895109623670578,"channel":1,"num_words":2,"start":1459.245,"end":1459.5651},{"sentences":[{"text":"whole port","start":1459.3401,"end":1459.66,"sentiment":"neutral","sentiment_score":-0.12008803337812424}],"sentiment":"neutral","sentiment_score":-0.12008803337812424,"channel":0,"num_words":2,"start":1459.3401,"end":1459.66},{"sentences":[{"text":"bit.","start":1459.5651,"end":1460.0651,"sentiment":"neutral","sentiment_score":-0.06943970173597336}],"sentiment":"neutral","sentiment_score":-0.06943970173597336,"channel":1,"num_words":1,"start":1459.5651,"end":1460.0651},{"sentences":[{"text":"yeah.","start":1460.2201,"end":1460.4601,"sentiment":"neutral","sentiment_score":0.004504486918449402}],"sentiment":"neutral","sentiment_score":0.004504486918449402,"channel":0,"num_words":1,"start":1460.2201,"end":1460.4601},{"sentences":[{"text":"Yeah.","start":1460.4451,"end":1460.9451,"sentiment":"neutral","sentiment_score":0.014561653137207031}],"sentiment":"neutral","sentiment_score":0.014561653137207031,"channel":1,"num_words":1,"start":1460.4451,"end":1460.9451},{"sentences":[{"text":"It's not like the whole portfolio would be active anyway.","start":1460.4601,"end":1462.7001,"sentiment":"neutral","sentiment_score":-0.0955944661051035},{"text":"There would be a portion","start":1462.7001,"end":1463.66,"sentiment":"neutral","sentiment_score":0.05342593416571617}],"sentiment":"neutral","sentiment_score":-0.045920999348163606,"channel":0,"num_words":15,"start":1460.4601,"end":1463.66},{"sentences":[{"text":"Yep.","start":1463.405,"end":1463.905,"sentiment":"neutral","sentiment_score":0.093800388276577}],"sentiment":"neutral","sentiment_score":0.093800388276577,"channel":1,"num_words":1,"start":1463.405,"end":1463.905},{"sentences":[{"text":"that would be passive that sorta is lower cost.","start":1463.66,"end":1466.995,"sentiment":"neutral","sentiment_score":0.14861861947509977},{"text":"The core of the portfolio with, like, either the active portion or not.","start":1467.055,"end":1470.595,"sentiment":"neutral","sentiment_score":0.07195435664974727}],"sentiment":"neutral","sentiment_score":0.1033170096237551,"channel":0,"num_words":22,"start":1463.66,"end":1470.595},{"sentences":[{"text":"What what would you what what would you recommend?","start":1470.4299,"end":1472.69,"sentiment":"neutral","sentiment_score":0.052815114458402}],"sentiment":"neutral","sentiment_score":0.052815114458402,"channel":1,"num_words":9,"start":1470.4299,"end":1472.69},{"sentences":[{"text":"It's a bit of a flip of the coin at the moment.","start":1474.175,"end":1475.9349,"sentiment":"neutral","sentiment_score":-0.05634238612644064},{"text":"Obviously, with the markets, like, overall, they still, like, have been tracking well over the past five years just with the indexes.","start":1475.9349,"end":1482.2101,"sentiment":"neutral","sentiment_score":0.23586156524040483},{"text":"So you can't really go wrong if you were just in the indexes for the past five years.","start":1482.2101,"end":1485.99,"sentiment":"neutral","sentiment_score":0.11909633378187816},{"text":"And","start":1487.0901,"end":1487.3301,"sentiment":"neutral","sentiment_score":0.05852655693888664}],"sentiment":"neutral","sentiment_score":0.12670012012800588,"channel":0,"num_words":53,"start":1474.175,"end":1487.3301},{"sentences":[{"text":"Yeah.","start":1487.225,"end":1487.385,"sentiment":"neutral","sentiment_score":0.05617053806781769}],"sentiment":"neutral","sentiment_score":0.05617053806781769,"channel":1,"num_words":1,"start":1487.225,"end":1487.385},{"sentences":[{"text":"in","start":1487.3301,"end":1487.5701,"sentiment":"neutral","sentiment_score":0.008156895637512207}],"sentiment":"neutral","sentiment_score":0.008156895637512207,"channel":0,"num_words":1,"start":1487.3301,"end":1487.5701},{"sentences":[{"text":"Well,","start":1487.385,"end":1487.785,"sentiment":"neutral","sentiment_score":0.008030552417039871}],"sentiment":"neutral","sentiment_score":0.008030552417039871,"channel":1,"num_words":1,"start":1487.385,"end":1487.785},{"sentences":[{"text":"saying","start":1487.5701,"end":1487.81,"sentiment":"neutral","sentiment_score":0.0018877238035202024}],"sentiment":"neutral","sentiment_score":0.0018877238035202024,"channel":0,"num_words":1,"start":1487.5701,"end":1487.81},{"sentences":[{"text":"I've","start":1487.785,"end":1488.025,"sentiment":"neutral","sentiment_score":-0.009994703345000744}],"sentiment":"neutral","sentiment_score":-0.009994703345000744,"channel":1,"num_words":1,"start":1487.785,"end":1488.025},{"sentences":[{"text":"that","start":1487.81,"end":1488.05,"sentiment":"neutral","sentiment_score":-0.005580410361289978}],"sentiment":"neutral","sentiment_score":-0.005580410361289978,"channel":0,"num_words":1,"start":1487.81,"end":1488.05},{"sentences":[{"text":"done","start":1488.025,"end":1488.525,"sentiment":"neutral","sentiment_score":-0.07004658877849579}],"sentiment":"neutral","sentiment_score":-0.07004658877849579,"channel":1,"num_words":1,"start":1488.025,"end":1488.525},{"sentences":[{"text":"it is","start":1488.05,"end":1488.7101,"sentiment":"neutral","sentiment_score":-0.04183226451277733}],"sentiment":"neutral","sentiment_score":-0.04183226451277733,"channel":0,"num_words":2,"start":1488.05,"end":1488.7101},{"sentences":[{"text":"it.","start":1489.225,"end":1489.385,"sentiment":"neutral","sentiment_score":-0.02674711123108864}],"sentiment":"neutral","sentiment_score":-0.02674711123108864,"channel":1,"num_words":1,"start":1489.225,"end":1489.385},{"sentences":[{"text":"oh,","start":1489.25,"end":1489.49,"sentiment":"neutral","sentiment_score":-0.0306777935475111}],"sentiment":"neutral","sentiment_score":-0.0306777935475111,"channel":0,"num_words":1,"start":1489.25,"end":1489.49},{"sentences":[{"text":"I've","start":1489.385,"end":1489.625,"sentiment":"neutral","sentiment_score":-0.12539497017860413}],"sentiment":"neutral","sentiment_score":-0.12539497017860413,"channel":1,"num_words":1,"start":1489.385,"end":1489.625},{"sentences":[{"text":"sorry.","start":1489.49,"end":1489.99,"sentiment":"neutral","sentiment_score":-0.1868366003036499}],"sentiment":"neutral","sentiment_score":-0.1868366003036499,"channel":0,"num_words":1,"start":1489.49,"end":1489.99},{"sentences":[{"text":"done anything in the next sort of twelve months.","start":1489.625,"end":1492.285,"sentiment":"neutral","sentiment_score":-0.15402128795782724},{"text":"He's gonna settle settle down, is it?","start":1492.76,"end":1495.18,"sentiment":"neutral","sentiment_score":-0.07316302135586739}],"sentiment":"neutral","sentiment_score":-0.11864579631946981,"channel":1,"num_words":16,"start":1489.625,"end":1495.18},{"sentences":[{"text":"Yeah.","start":1496.1649,"end":1496.565,"sentiment":"neutral","sentiment_score":-0.023873740807175636}],"sentiment":"neutral","sentiment_score":-0.023873740807175636,"channel":0,"num_words":1,"start":1496.1649,"end":1496.565},{"sentences":[{"text":"Like,","start":1496.28,"end":1496.68,"sentiment":"neutral","sentiment_score":-0.018951375037431717}],"sentiment":"neutral","sentiment_score":-0.018951375037431717,"channel":1,"num_words":1,"start":1496.28,"end":1496.68},{"sentences":[{"text":"So","start":1496.565,"end":1497.065,"sentiment":"neutral","sentiment_score":-0.039571069180965424}],"sentiment":"neutral","sentiment_score":-0.039571069180965424,"channel":0,"num_words":1,"start":1496.565,"end":1497.065},{"sentences":[{"text":"with the walls on time.","start":1496.68,"end":1498.14,"sentiment":"neutral","sentiment_score":-0.08873252123594284}],"sentiment":"neutral","sentiment_score":-0.08873252123594284,"channel":1,"num_words":5,"start":1496.68,"end":1498.14},{"sentences":[{"text":"yeah.","start":1498.645,"end":1499.0449,"sentiment":"neutral","sentiment_score":-0.02946789376437664},{"text":"So so with that, like, as long as the the markets continue to tick along, like, they haven't","start":1499.0449,"end":1504.02,"sentiment":"neutral","sentiment_score":-0.07221211099790202}],"sentiment":"neutral","sentiment_score":-0.06996241535403226,"channel":0,"num_words":19,"start":1498.645,"end":1504.02},{"sentences":[{"text":"Yeah.","start":1504.28,"end":1504.78,"sentiment":"neutral","sentiment_score":-0.1990140676498413}],"sentiment":"neutral","sentiment_score":-0.1990140676498413,"channel":1,"num_words":1,"start":1504.28,"end":1504.78},{"sentences":[{"text":"responded, like, horrifically to those, like, wars.","start":1504.34,"end":1507.14,"sentiment":"negative","sentiment_score":-0.4179430476256779},{"text":"Obviously, if it kicks off a little bit more, it may sort of take, like, a significant dive, but it's still sorta, you know, ticking along at a pace.","start":1507.14,"end":1513.46,"sentiment":"neutral","sentiment_score":-0.28065552845083436},{"text":"Whereas, like, if you do a managed fund, they're obviously making those bets and, you know,","start":1513.46,"end":1517.16,"sentiment":"neutral","sentiment_score":-0.09160750126466155}],"sentiment":"neutral","sentiment_score":-0.24096791689785627,"channel":0,"num_words":52,"start":1504.34,"end":1517.16},{"sentences":[{"text":"Yeah.","start":1517.065,"end":1517.465,"sentiment":"neutral","sentiment_score":-0.038319241255521774}],"sentiment":"neutral","sentiment_score":-0.038319241255521774,"channel":1,"num_words":1,"start":1517.065,"end":1517.465},{"sentences":[{"text":"it's","start":1517.3,"end":1517.8,"sentiment":"neutral","sentiment_score":-0.0459645614027977}],"sentiment":"neutral","sentiment_score":-0.0459645614027977,"channel":0,"num_words":1,"start":1517.3,"end":1517.8},{"sentences":[{"text":"True.","start":1517.465,"end":1517.965,"sentiment":"neutral","sentiment_score":-0.05625791475176811}],"sentiment":"neutral","sentiment_score":-0.05625791475176811,"channel":1,"num_words":1,"start":1517.465,"end":1517.965},{"sentences":[{"text":"a lot harder to make the the right sort of bets when the the times like","start":1517.925,"end":1522.165,"sentiment":"neutral","sentiment_score":-0.3223946103826165}],"sentiment":"neutral","sentiment_score":-0.3223946103826165,"channel":0,"num_words":16,"start":1517.925,"end":1522.165},{"sentences":[{"text":"Yeah.","start":1522.1,"end":1522.6,"sentiment":"neutral","sentiment_score":-0.1702648401260376}],"sentiment":"neutral","sentiment_score":-0.1702648401260376,"channel":1,"num_words":1,"start":1522.1,"end":1522.6},{"sentences":[{"text":"now when things change so significantly and sort of something you can't really put on paper as to what you think is gonna","start":1522.165,"end":1527.6051,"sentiment":"neutral","sentiment_score":-0.22330918648968573}],"sentiment":"neutral","sentiment_score":-0.22330918648968573,"channel":0,"num_words":23,"start":1522.165,"end":1527.6051},{"sentences":[{"text":"Yep.","start":1527.46,"end":1527.96,"sentiment":"neutral","sentiment_score":-0.08098943531513214}],"sentiment":"neutral","sentiment_score":-0.08098943531513214,"channel":1,"num_words":1,"start":1527.46,"end":1527.96},{"sentences":[{"text":"happen","start":1527.6051,"end":1528.1051,"sentiment":"neutral","sentiment_score":-0.0823749229311943}],"sentiment":"neutral","sentiment_score":-0.0823749229311943,"channel":0,"num_words":1,"start":1527.6051,"end":1528.1051},{"sentences":[{"text":"Yep.","start":1528.5,"end":1528.8999,"sentiment":"neutral","sentiment_score":-0.024632692337036133}],"sentiment":"neutral","sentiment_score":-0.024632692337036133,"channel":1,"num_words":1,"start":1528.5,"end":1528.8999},{"sentences":[{"text":"because,","start":1528.805,"end":1529.305,"sentiment":"neutral","sentiment_score":-0.0223894827067852}],"sentiment":"neutral","sentiment_score":-0.0223894827067852,"channel":0,"num_words":1,"start":1528.805,"end":1529.305},{"sentences":[{"text":"Yeah.","start":1528.8999,"end":1529.3999,"sentiment":"neutral","sentiment_score":-0.028478777036070824}],"sentiment":"neutral","sentiment_score":-0.028478777036070824,"channel":1,"num_words":1,"start":1528.8999,"end":1529.3999},{"sentences":[{"text":"you know, no one sort of saw the the Iran and Venezuela thing coming sort of, you know, in your bingo card for the start of 2026.","start":1529.365,"end":1536.44,"sentiment":"neutral","sentiment_score":-0.132924718161424}],"sentiment":"neutral","sentiment_score":-0.132924718161424,"channel":0,"num_words":27,"start":1529.365,"end":1536.44},{"sentences":[{"text":"No.","start":1537.1951,"end":1537.275,"sentiment":"neutral","sentiment_score":-0.30058151483535767},{"text":"Definitely not.","start":1537.275,"end":1538.3351,"sentiment":"neutral","sentiment_score":-0.284927174448967},{"text":"Yeah.","start":1538.635,"end":1539.035,"sentiment":"neutral","sentiment_score":-0.052547916769981384},{"text":"Yeah.","start":1539.035,"end":1539.435,"sentiment":"neutral","sentiment_score":0.00773192010819912},{"text":"I'll probably start then","start":1539.435,"end":1540.735,"sentiment":"neutral","sentiment_score":0.02555150631815195}],"sentiment":"neutral","sentiment_score":-0.09033842612471846,"channel":1,"num_words":9,"start":1537.1951,"end":1540.735},{"sentences":[{"text":"Yep.","start":1541.5399,"end":1542.0399,"sentiment":"neutral","sentiment_score":-0.020884735509753227}],"sentiment":"neutral","sentiment_score":-0.020884735509753227,"channel":0,"num_words":1,"start":1541.5399,"end":1542.0399},{"sentences":[{"text":"with the","start":1542.155,"end":1542.795,"sentiment":"neutral","sentiment_score":0.0030571240931749344}],"sentiment":"neutral","sentiment_score":0.0030571240931749344,"channel":1,"num_words":2,"start":1542.155,"end":1542.795},{"sentences":[{"text":"As I","start":1542.5,"end":1542.82,"sentiment":"neutral","sentiment_score":0.0009891409426927567}],"sentiment":"neutral","sentiment_score":0.0009891409426927567,"channel":0,"num_words":2,"start":1542.5,"end":1542.82},{"sentences":[{"text":"log","start":1542.795,"end":1543.035,"sentiment":"neutral","sentiment_score":0.00278557650744915}],"sentiment":"neutral","sentiment_score":0.00278557650744915,"channel":1,"num_words":1,"start":1542.795,"end":1543.035},{"sentences":[{"text":"said, like","start":1542.82,"end":1543.5599,"sentiment":"neutral","sentiment_score":-0.00029347511008381844}],"sentiment":"neutral","sentiment_score":-0.00029347511008381844,"channel":0,"num_words":2,"start":1542.82,"end":1543.5599},{"sentences":[{"text":"what you're saying the log restart.","start":1543.1951,"end":1544.5751,"sentiment":"neutral","sentiment_score":-0.0038621073278288045},{"text":"If it's just","start":1546.235,"end":1546.9551,"sentiment":"neutral","sentiment_score":0.008461588993668556}],"sentiment":"neutral","sentiment_score":0.00024579144600364876,"channel":1,"num_words":9,"start":1543.1951,"end":1546.9551},{"sentences":[{"text":"yeah.","start":1546.8049,"end":1547.3049,"sentiment":"neutral","sentiment_score":0.030314218252897263}],"sentiment":"neutral","sentiment_score":0.030314218252897263,"channel":0,"num_words":1,"start":1546.8049,"end":1547.3049},{"sentences":[{"text":"poking along, it's better than yeah.","start":1546.9551,"end":1549.135,"sentiment":"neutral","sentiment_score":0.08648048217097919}],"sentiment":"neutral","sentiment_score":0.08648048217097919,"channel":1,"num_words":6,"start":1546.9551,"end":1549.135},{"sentences":[{"text":"And you'll still have the same allocation to, like, growth assets.","start":1549.525,"end":1552.725,"sentiment":"neutral","sentiment_score":0.2416699914769693},{"text":"You just won't have, like, an active fund manager trying to, like, do buyers and sales to find value in","start":1552.725,"end":1557.6849,"sentiment":"neutral","sentiment_score":0.06267304811626673}],"sentiment":"neutral","sentiment_score":0.12618809253458055,"channel":0,"num_words":31,"start":1549.525,"end":1557.6849},{"sentences":[{"text":"Yep.","start":1557.54,"end":1558.04,"sentiment":"neutral","sentiment_score":0.0335417315363884}],"sentiment":"neutral","sentiment_score":0.0335417315363884,"channel":1,"num_words":1,"start":1557.54,"end":1558.04},{"sentences":[{"text":"the market.","start":1557.6849,"end":1558.165,"sentiment":"neutral","sentiment_score":0.034232987090945244},{"text":"It'll just track what the market themselves are","start":1558.165,"end":1560.47,"sentiment":"neutral","sentiment_score":0.037263625068590045}],"sentiment":"neutral","sentiment_score":0.03665749747306109,"channel":0,"num_words":10,"start":1557.6849,"end":1560.47},{"sentences":[{"text":"Yep.","start":1560.8201,"end":1561.06,"sentiment":"neutral","sentiment_score":0.017889801412820816},{"text":"Sure.","start":1561.06,"end":1561.38,"sentiment":"neutral","sentiment_score":0.005837557837367058},{"text":"I lost","start":1561.38,"end":1561.7,"sentiment":"neutral","sentiment_score":-0.10290303640067577}],"sentiment":"neutral","sentiment_score":-0.04551967838779092,"channel":1,"num_words":4,"start":1560.8201,"end":1561.7},{"sentences":[{"text":"doing.","start":1561.53,"end":1562.03,"sentiment":"neutral","sentiment_score":-0.07040254026651382}],"sentiment":"neutral","sentiment_score":-0.07040254026651382,"channel":0,"num_words":1,"start":1561.53,"end":1562.03},{"sentences":[{"text":"it.","start":1561.7,"end":1561.78,"sentiment":"neutral","sentiment_score":-0.03055260330438614},{"text":"Yep.","start":1561.78,"end":1562.28,"sentiment":"neutral","sentiment_score":0.11230538785457612}],"sentiment":"neutral","sentiment_score":0.04087639227509499,"channel":1,"num_words":2,"start":1561.7,"end":1562.28},{"sentences":[{"text":"Perfect.","start":1563.09,"end":1563.59,"sentiment":"positive","sentiment_score":0.478250116109848}],"sentiment":"positive","sentiment_score":0.478250116109848,"channel":0,"num_words":1,"start":1563.09,"end":1563.59},{"sentences":[{"text":"That's","start":1564.845,"end":1565.345,"sentiment":"neutral","sentiment_score":0.2676118016242981}],"sentiment":"neutral","sentiment_score":0.2676118016242981,"channel":1,"num_words":1,"start":1564.845,"end":1565.345},{"sentences":[{"text":"And then with that there, that documents there for you to review just what did occur the last twelve months there will just be going to DanielMullins1@BigPond.com, if that's still correct?","start":1565.09,"end":1574.23,"sentiment":"neutral","sentiment_score":0.10379129239628392}],"sentiment":"neutral","sentiment_score":0.10379129239628392,"channel":0,"num_words":31,"start":1565.09,"end":1574.23},{"sentences":[{"text":"it.","start":1573.965,"end":1574.465,"sentiment":"neutral","sentiment_score":0.06568155437707901},{"text":"Correct.","start":1574.605,"end":1575.005,"sentiment":"neutral","sentiment_score":0.17179641127586365},{"text":"Yep.","start":1575.005,"end":1575.505,"sentiment":"neutral","sentiment_score":0.22413060069084167}],"sentiment":"neutral","sentiment_score":0.1538695221145948,"channel":1,"num_words":3,"start":1573.965,"end":1575.505},{"sentences":[{"text":"Perfect.","start":1576.325,"end":1576.825,"sentiment":"positive","sentiment_score":0.5010747909545898},{"text":"So that'll come through.","start":1577.205,"end":1578.1649,"sentiment":"positive","sentiment_score":0.4269240275025368},{"text":"So feel free to review that and come back with any questions you may have.","start":1578.1649,"end":1581.205,"sentiment":"positive","sentiment_score":0.41088812152544657},{"text":"Now the other thing I want to have a quick chat about is that you've got the the life and TPD portion.","start":1581.205,"end":1586.585,"sentiment":"neutral","sentiment_score":0.005566235314207998},{"text":"With your insurances, you don't currently hold any income protection or, like, trauma insurance.","start":1586.8049,"end":1591.28,"sentiment":"neutral","sentiment_score":-0.10315969373498644}],"sentiment":"neutral","sentiment_score":0.12589846765123575,"channel":0,"num_words":56,"start":1576.325,"end":1591.28},{"sentences":[{"text":"Now","start":1592.2201,"end":1592.38,"sentiment":"neutral","sentiment_score":-0.024637816473841667}],"sentiment":"neutral","sentiment_score":-0.024637816473841667,"channel":0,"num_words":1,"start":1592.2201,"end":1592.38},{"sentences":[{"text":"Oh,","start":1592.375,"end":1592.5349,"sentiment":"neutral","sentiment_score":-0.013528436422348022}],"sentiment":"neutral","sentiment_score":-0.013528436422348022,"channel":1,"num_words":1,"start":1592.375,"end":1592.5349},{"sentences":[{"text":"given","start":1592.38,"end":1592.7001,"sentiment":"neutral","sentiment_score":-0.025965839624404907}],"sentiment":"neutral","sentiment_score":-0.025965839624404907,"channel":0,"num_words":1,"start":1592.38,"end":1592.7001},{"sentences":[{"text":"I have","start":1592.5349,"end":1592.9349,"sentiment":"neutral","sentiment_score":-0.02745620720088482}],"sentiment":"neutral","sentiment_score":-0.02745620720088482,"channel":1,"num_words":2,"start":1592.5349,"end":1592.9349},{"sentences":[{"text":"that you","start":1592.7001,"end":1593.3601,"sentiment":"neutral","sentiment_score":-0.024566911160945892}],"sentiment":"neutral","sentiment_score":-0.024566911160945892,"channel":0,"num_words":2,"start":1592.7001,"end":1593.3601},{"sentences":[{"text":"got I have got income protection.","start":1592.9349,"end":1595.195,"sentiment":"neutral","sentiment_score":-0.03801018248001734},{"text":"I had to do that to get","start":1595.735,"end":1598.475,"sentiment":"neutral","sentiment_score":-0.03330357053450176}],"sentiment":"neutral","sentiment_score":-0.03547585297089357,"channel":1,"num_words":13,"start":1592.9349,"end":1598.475},{"sentences":[{"text":"have through business.","start":1598.3,"end":1599.3601,"sentiment":"neutral","sentiment_score":-0.03552174692352613}],"sentiment":"neutral","sentiment_score":-0.03552174692352613,"channel":0,"num_words":3,"start":1598.3,"end":1599.3601},{"sentences":[{"text":"to, like, a business in town.","start":1600.615,"end":1602.475,"sentiment":"neutral","sentiment_score":-0.009986998202900091},{"text":"So I that that was","start":1602.49,"end":1604.63,"sentiment":"neutral","sentiment_score":0.006403660774230957}],"sentiment":"neutral","sentiment_score":-0.002536698667840524,"channel":1,"num_words":11,"start":1600.615,"end":1604.63},{"sentences":[{"text":"Yep.","start":1606.875,"end":1607.115,"sentiment":"neutral","sentiment_score":0.0032208003103733063},{"text":"Is it like a key person's business insurance,","start":1607.115,"end":1609.355,"sentiment":"neutral","sentiment_score":-0.021217770176008344}],"sentiment":"neutral","sentiment_score":-0.018502373455299273,"channel":0,"num_words":9,"start":1606.875,"end":1609.355},{"sentences":[{"text":"one","start":1609.09,"end":1609.59,"sentiment":"neutral","sentiment_score":-0.03846330940723419}],"sentiment":"neutral","sentiment_score":-0.03846330940723419,"channel":1,"num_words":1,"start":1609.09,"end":1609.59},{"sentences":[{"text":"or is it like an actual income","start":1609.355,"end":1610.715,"sentiment":"neutral","sentiment_score":-0.028898792075259343}],"sentiment":"neutral","sentiment_score":-0.028898792075259343,"channel":0,"num_words":7,"start":1609.355,"end":1610.715},{"sentences":[{"text":"of","start":1610.49,"end":1610.99,"sentiment":"neutral","sentiment_score":-0.024507742375135425}],"sentiment":"neutral","sentiment_score":-0.024507742375135425,"channel":1,"num_words":1,"start":1610.49,"end":1610.99},{"sentences":[{"text":"protection policy?","start":1610.715,"end":1611.695,"sentiment":"neutral","sentiment_score":-0.03241421468555927}],"sentiment":"neutral","sentiment_score":-0.03241421468555927,"channel":0,"num_words":2,"start":1610.715,"end":1611.695},{"sentences":[{"text":"their requirements.","start":1611.89,"end":1613.79,"sentiment":"neutral","sentiment_score":-0.046683454886078835},{"text":"I think it's a proper policy.","start":1614.6901,"end":1616.0701,"sentiment":"neutral","sentiment_score":0.0039620669558644295},{"text":"Yeah.","start":1616.13,"end":1616.63,"sentiment":"neutral","sentiment_score":-0.006170464679598808},{"text":"And I think","start":1617.8151,"end":1618.295,"sentiment":"neutral","sentiment_score":-0.013771348943312963}],"sentiment":"neutral","sentiment_score":-0.009756584962209066,"channel":1,"num_words":12,"start":1611.89,"end":1618.295},{"sentences":[{"text":"Okay.","start":1618.1699,"end":1618.6699,"sentiment":"neutral","sentiment_score":-0.017320310696959496}],"sentiment":"neutral","sentiment_score":-0.017320310696959496,"channel":0,"num_words":1,"start":1618.1699,"end":1618.6699},{"sentences":[{"text":"I'm locked in to it to 2047 for memory.","start":1618.295,"end":1623.675,"sentiment":"neutral","sentiment_score":-0.042522319902976356},{"text":"Like, I can opt out what I want, but so yeah.","start":1625.335,"end":1628.695,"sentiment":"neutral","sentiment_score":-0.04099557294764302},{"text":"It's","start":1628.695,"end":1628.935,"sentiment":"neutral","sentiment_score":-0.016570430248975754}],"sentiment":"neutral","sentiment_score":-0.04048679103808744,"channel":1,"num_words":21,"start":1618.295,"end":1628.935},{"sentences":[{"text":"That's","start":1628.745,"end":1628.985,"sentiment":"neutral","sentiment_score":-0.05747048184275627}],"sentiment":"neutral","sentiment_score":-0.05747048184275627,"channel":0,"num_words":1,"start":1628.745,"end":1628.985},{"sentences":[{"text":"it's","start":1628.935,"end":1629.175,"sentiment":"neutral","sentiment_score":-0.08141963928937912}],"sentiment":"neutral","sentiment_score":-0.08141963928937912,"channel":1,"num_words":1,"start":1628.935,"end":1629.175},{"sentences":[{"text":"how long","start":1628.985,"end":1629.225,"sentiment":"neutral","sentiment_score":-0.08081809431314468}],"sentiment":"neutral","sentiment_score":-0.08081809431314468,"channel":0,"num_words":2,"start":1628.985,"end":1629.225},{"sentences":[{"text":"for","start":1629.175,"end":1629.335,"sentiment":"neutral","sentiment_score":-0.06815192103385925}],"sentiment":"neutral","sentiment_score":-0.06815192103385925,"channel":1,"num_words":1,"start":1629.175,"end":1629.335},{"sentences":[{"text":"it","start":1629.225,"end":1629.385,"sentiment":"neutral","sentiment_score":-0.06416373699903488}],"sentiment":"neutral","sentiment_score":-0.06416373699903488,"channel":0,"num_words":1,"start":1629.225,"end":1629.385},{"sentences":[{"text":"me","start":1629.335,"end":1629.495,"sentiment":"neutral","sentiment_score":-0.07469717413187027}],"sentiment":"neutral","sentiment_score":-0.07469717413187027,"channel":1,"num_words":1,"start":1629.335,"end":1629.495},{"sentences":[{"text":"will","start":1629.385,"end":1629.5449,"sentiment":"neutral","sentiment_score":-0.09280936419963837}],"sentiment":"neutral","sentiment_score":-0.09280936419963837,"channel":0,"num_words":1,"start":1629.385,"end":1629.5449},{"sentences":[{"text":"to","start":1629.495,"end":1629.655,"sentiment":"neutral","sentiment_score":-0.08279841393232346}],"sentiment":"neutral","sentiment_score":-0.08279841393232346,"channel":1,"num_words":1,"start":1629.495,"end":1629.655},{"sentences":[{"text":"last","start":1629.5449,"end":1629.865,"sentiment":"neutral","sentiment_score":-0.07096461206674576}],"sentiment":"neutral","sentiment_score":-0.07096461206674576,"channel":0,"num_words":1,"start":1629.5449,"end":1629.865},{"sentences":[{"text":"get","start":1629.655,"end":1629.975,"sentiment":"neutral","sentiment_score":-0.08029544353485107}],"sentiment":"neutral","sentiment_score":-0.08029544353485107,"channel":1,"num_words":1,"start":1629.655,"end":1629.975},{"sentences":[{"text":"through","start":1629.865,"end":1630.105,"sentiment":"neutral","sentiment_score":-0.07406709343194962}],"sentiment":"neutral","sentiment_score":-0.07406709343194962,"channel":0,"num_words":1,"start":1629.865,"end":1630.105},{"sentences":[{"text":"any","start":1629.975,"end":1630.295,"sentiment":"neutral","sentiment_score":-0.06077883020043373}],"sentiment":"neutral","sentiment_score":-0.06077883020043373,"channel":1,"num_words":1,"start":1629.975,"end":1630.295},{"sentences":[{"text":"to?","start":1630.105,"end":1630.605,"sentiment":"neutral","sentiment_score":-0.061796270310878754}],"sentiment":"neutral","sentiment_score":-0.061796270310878754,"channel":0,"num_words":1,"start":1630.105,"end":1630.605},{"sentences":[{"text":"work with this company or I have to be in one.","start":1630.295,"end":1634.26,"sentiment":"neutral","sentiment_score":-0.07827968048778447}],"sentiment":"neutral","sentiment_score":-0.07827968048778447,"channel":1,"num_words":11,"start":1630.295,"end":1634.26},{"sentences":[{"text":"Yep.","start":1635.465,"end":1635.965,"sentiment":"neutral","sentiment_score":0.003105985000729561},{"text":"And are your insurances something that you wanna review?","start":1636.4249,"end":1639.625,"sentiment":"neutral","sentiment_score":-0.015784013602468703},{"text":"Because, obviously, at the moment, your death and total parent dispute at the moment, they cover, you know, for about, like, a bit over half of, like, your current mortgage debt.","start":1639.625,"end":1648.85,"sentiment":"neutral","sentiment_score":-0.09981687751508528}],"sentiment":"neutral","sentiment_score":-0.0788603253753447,"channel":0,"num_words":41,"start":1635.465,"end":1648.85},{"sentences":[{"text":"Yep.","start":1649.6849,"end":1650.1849,"sentiment":"neutral","sentiment_score":-0.03015239909291267}],"sentiment":"neutral","sentiment_score":-0.03015239909291267,"channel":1,"num_words":1,"start":1649.6849,"end":1650.1849},{"sentences":[{"text":"Okay.","start":1650.11,"end":1650.61,"sentiment":"neutral","sentiment_score":-0.05645489692687988},{"text":"And you don't like, obviously, you have the income protection policy with us or the trauma insurance, which is, like, an outside","start":1650.83,"end":1656.515,"sentiment":"neutral","sentiment_score":-0.14889096536419608}],"sentiment":"neutral","sentiment_score":-0.14487200586692148,"channel":0,"num_words":23,"start":1650.11,"end":1656.515},{"sentences":[{"text":"No.","start":1656.325,"end":1656.825,"sentiment":"neutral","sentiment_score":-0.07508788257837296}],"sentiment":"neutral","sentiment_score":-0.07508788257837296,"channel":1,"num_words":1,"start":1656.325,"end":1656.825},{"sentences":[{"text":"super insurance in the event that","start":1656.515,"end":1657.955,"sentiment":"neutral","sentiment_score":0.048315475694835186}],"sentiment":"neutral","sentiment_score":0.048315475694835186,"channel":0,"num_words":6,"start":1656.515,"end":1657.955},{"sentences":[{"text":"What?","start":1657.845,"end":1658.345,"sentiment":"neutral","sentiment_score":-0.03362362086772919}],"sentiment":"neutral","sentiment_score":-0.03362362086772919,"channel":1,"num_words":1,"start":1657.845,"end":1658.345},{"sentences":[{"text":"anything needs to happen, but, like, strokes, heart attacks, things like that.","start":1657.955,"end":1662.215,"sentiment":"neutral","sentiment_score":-0.11259972273061673}],"sentiment":"neutral","sentiment_score":-0.11259972273061673,"channel":0,"num_words":12,"start":1657.955,"end":1662.215},{"sentences":[{"text":"Yep.","start":1662.2201,"end":1662.7201,"sentiment":"neutral","sentiment_score":-0.0024891707580536604}],"sentiment":"neutral","sentiment_score":-0.0024891707580536604,"channel":1,"num_words":1,"start":1662.2201,"end":1662.7201},{"sentences":[{"text":"Is this something you wanna look at reviewing and going through the pre assessment process to be out of sort of review those insurances, giving you a new level of debt?","start":1662.275,"end":1669.555,"sentiment":"neutral","sentiment_score":0.006268135121753139},{"text":"Or","start":1669.555,"end":1670.055,"sentiment":"neutral","sentiment_score":-0.0524895004928112}],"sentiment":"neutral","sentiment_score":0.004431959008798003,"channel":0,"num_words":32,"start":1662.275,"end":1670.055},{"sentences":[{"text":"I'll probably I don't even know when I'm talking anytime soon.","start":1673.9801,"end":1678.535,"sentiment":"neutral","sentiment_score":-0.13546697863123633}],"sentiment":"neutral","sentiment_score":-0.13546697863123633,"channel":1,"num_words":11,"start":1673.9801,"end":1678.535},{"sentences":[{"text":"yeah.","start":1679.62,"end":1680.02,"sentiment":"neutral","sentiment_score":-0.05669523775577545},{"text":"Obviously, it, like, it comes down to, like, what you're comfortable with.","start":1680.02,"end":1683.2999,"sentiment":"neutral","sentiment_score":-0.05814834497869015},{"text":"Obviously, if your partner is still working as well and she's able to cover, like, her half of the debt, if, like, were to go wrong, it just means that worst case","start":1683.2999,"end":1690.8049,"sentiment":"neutral","sentiment_score":-0.15382749761920422}],"sentiment":"neutral","sentiment_score":-0.1261545622514354,"channel":0,"num_words":45,"start":1679.62,"end":1690.8049},{"sentences":[{"text":"Yes.","start":1690.76,"end":1691.26,"sentiment":"neutral","sentiment_score":-0.16104137897491455}],"sentiment":"neutral","sentiment_score":-0.16104137897491455,"channel":1,"num_words":1,"start":1690.76,"end":1691.26},{"sentences":[{"text":"scenario, if something did happen to you and you're unable to work and you are totally permanently disabled, you would be","start":1690.8049,"end":1695.7649,"sentiment":"neutral","sentiment_score":-0.32179972032705945}],"sentiment":"neutral","sentiment_score":-0.32179972032705945,"channel":0,"num_words":21,"start":1690.8049,"end":1695.7649},{"sentences":[{"text":"Yes.","start":1695.72,"end":1696.22,"sentiment":"neutral","sentiment_score":0.007377114146947861}],"sentiment":"neutral","sentiment_score":0.007377114146947861,"channel":1,"num_words":1,"start":1695.72,"end":1696.22},{"sentences":[{"text":"able to pay off about half the mortgage.","start":1695.7649,"end":1697.52,"sentiment":"neutral","sentiment_score":0.08545855432748795},{"text":"But when it comes to anything far that, you'd probably have to look at either, you know, relying on your investment property income, government assistance programs that you're eligible for, things like that as well.","start":1697.52,"end":1706.5801,"sentiment":"neutral","sentiment_score":-0.04215447072471891}],"sentiment":"neutral","sentiment_score":-0.018412512575471125,"channel":0,"num_words":43,"start":1695.7649,"end":1706.5801},{"sentences":[{"text":"Yeah.","start":1707.815,"end":1707.975,"sentiment":"neutral","sentiment_score":-0.02534138783812523}],"sentiment":"neutral","sentiment_score":-0.02534138783812523,"channel":1,"num_words":1,"start":1707.815,"end":1707.975},{"sentences":[{"text":"If","start":1707.84,"end":1708.16,"sentiment":"neutral","sentiment_score":-0.036327119916677475}],"sentiment":"neutral","sentiment_score":-0.036327119916677475,"channel":0,"num_words":1,"start":1707.84,"end":1708.16},{"sentences":[{"text":"What","start":1707.975,"end":1708.2949,"sentiment":"neutral","sentiment_score":-0.0705006942152977}],"sentiment":"neutral","sentiment_score":-0.0705006942152977,"channel":1,"num_words":1,"start":1707.975,"end":1708.2949},{"sentences":[{"text":"you could","start":1708.16,"end":1708.56,"sentiment":"neutral","sentiment_score":-0.11660875380039215}],"sentiment":"neutral","sentiment_score":-0.11660875380039215,"channel":0,"num_words":2,"start":1708.16,"end":1708.56},{"sentences":[{"text":"would would that be a higher premium if if I did up that rate?","start":1708.2949,"end":1712.235,"sentiment":"neutral","sentiment_score":-0.15045179639543807},{"text":"Obviously,","start":1712.615,"end":1713.015,"sentiment":"neutral","sentiment_score":-0.05730894207954407}],"sentiment":"neutral","sentiment_score":-0.14424227277437845,"channel":1,"num_words":15,"start":1708.2949,"end":1713.015},{"sentences":[{"text":"yeah.","start":1712.975,"end":1713.215,"sentiment":"neutral","sentiment_score":-0.03533192723989487}],"sentiment":"neutral","sentiment_score":-0.03533192723989487,"channel":0,"num_words":1,"start":1712.975,"end":1713.215},{"sentences":[{"text":"it would","start":1713.015,"end":1713.4149,"sentiment":"neutral","sentiment_score":-0.028362694196403027}],"sentiment":"neutral","sentiment_score":-0.028362694196403027,"channel":1,"num_words":2,"start":1713.015,"end":1713.4149},{"sentences":[{"text":"That","start":1713.215,"end":1713.295,"sentiment":"neutral","sentiment_score":-0.030174188315868378}],"sentiment":"neutral","sentiment_score":-0.030174188315868378,"channel":0,"num_words":1,"start":1713.215,"end":1713.295},{"sentences":[{"text":"be.","start":1713.4149,"end":1713.9149,"sentiment":"neutral","sentiment_score":-0.053446270525455475}],"sentiment":"neutral","sentiment_score":-0.053446270525455475,"channel":1,"num_words":1,"start":1713.4149,"end":1713.9149},{"sentences":[{"text":"yeah.","start":1714.095,"end":1714.415,"sentiment":"neutral","sentiment_score":-0.04702121019363403},{"text":"If you increase the sum insured, obviously, it does go up.","start":1714.415,"end":1716.655,"sentiment":"neutral","sentiment_score":-0.06627188284288753},{"text":"At the moment, you're only paying around 1,100 per annum in terms","start":1716.655,"end":1721.775,"sentiment":"neutral","sentiment_score":-0.08789671460787456}],"sentiment":"neutral","sentiment_score":-0.07628218736499548,"channel":0,"num_words":24,"start":1714.095,"end":1721.775},{"sentences":[{"text":"Yep.","start":1721.5701,"end":1722.0701,"sentiment":"neutral","sentiment_score":-0.09429910778999329}],"sentiment":"neutral","sentiment_score":-0.09429910778999329,"channel":1,"num_words":1,"start":1721.5701,"end":1722.0701},{"sentences":[{"text":"of, like, insurance cost, so it's not very high.","start":1721.775,"end":1724.2001,"sentiment":"neutral","sentiment_score":-0.2516515288088057},{"text":"You could look to either increase, you know, the the benefit amount for life and TPD or look at, you know, doing a lump sort of together with an IP policy and just having it all in one spot or looking at, you know, the outside trauma insurance as well.","start":1724.3401,"end":1738.115,"sentiment":"neutral","sentiment_score":-0.04325199767947197},{"text":"But if you're comfortable with the level of amount that you do have currently, it's not to say that it's bad by any means.","start":1738.575,"end":1743.9349,"sentiment":"neutral","sentiment_score":0.0700597142179807},{"text":"It just means you'd have to work towards being a little bit more self insured, which","start":1743.9349,"end":1747.81,"sentiment":"neutral","sentiment_score":0.1539903162047267}],"sentiment":"neutral","sentiment_score":-0.0028503580075321775,"channel":0,"num_words":99,"start":1721.775,"end":1747.81},{"sentences":[{"text":"Yeah.","start":1747.7401,"end":1748.2401,"sentiment":"neutral","sentiment_score":0.19464318454265592}],"sentiment":"neutral","sentiment_score":0.19464318454265592,"channel":1,"num_words":1,"start":1747.7401,"end":1748.2401},{"sentences":[{"text":"is where savings comes into it, building up your equity within the property, things like that as well.","start":1747.81,"end":1752.87,"sentiment":"neutral","sentiment_score":0.29107380823956597}],"sentiment":"neutral","sentiment_score":0.29107380823956597,"channel":0,"num_words":18,"start":1747.81,"end":1752.87},{"sentences":[{"text":"Yeah.","start":1754.235,"end":1754.475,"sentiment":"neutral","sentiment_score":0.1969928741455078},{"text":"I got.","start":1754.475,"end":1755.215,"sentiment":"neutral","sentiment_score":0.18144293129444122}],"sentiment":"neutral","sentiment_score":0.1866262455781301,"channel":1,"num_words":3,"start":1754.235,"end":1755.215},{"sentences":[{"text":"Because all yeah.","start":1757.7301,"end":1759.67,"sentiment":"neutral","sentiment_score":0.23168805738290152},{"text":"All insurance is at the end of the day is, like, risk mitigation.","start":1759.835,"end":1762.395,"sentiment":"neutral","sentiment_score":0.3175940421911386},{"text":"There's no, like, sort of guarantee you're ever gonna claim on it.","start":1762.395,"end":1765.055,"sentiment":"neutral","sentiment_score":-0.13998764815429846},{"text":"So some people do prefer to work towards being a little bit more self insured and not having to pay as high premium and just having a little bit of it.","start":1765.355,"end":1773.47,"sentiment":"neutral","sentiment_score":0.20506726373587886},{"text":"Some people like to cover fully if anything was to go wrong and then sort of not self insure as much at the end of the day","start":1773.47,"end":1779.3899,"sentiment":"neutral","sentiment_score":0.1052125667532285}],"sentiment":"neutral","sentiment_score":0.14350883047594581,"channel":0,"num_words":86,"start":1757.7301,"end":1779.3899},{"sentences":[{"text":"Yep.","start":1779.2699,"end":1779.7699,"sentiment":"neutral","sentiment_score":0.11477731168270112}],"sentiment":"neutral","sentiment_score":0.11477731168270112,"channel":1,"num_words":1,"start":1779.2699,"end":1779.7699},{"sentences":[{"text":"as well.","start":1779.3899,"end":1780.0499,"sentiment":"neutral","sentiment_score":0.0981382392346859}],"sentiment":"neutral","sentiment_score":0.0981382392346859,"channel":0,"num_words":2,"start":1779.3899,"end":1780.0499},{"sentences":[{"text":"Yeah.","start":1781.11,"end":1781.61,"sentiment":"neutral","sentiment_score":0.10235455632209778},{"text":"Well, I think yeah.","start":1784.695,"end":1785.575,"sentiment":"neutral","sentiment_score":0.07616827450692654},{"text":"I'll probably just leave it where it is, but the current time.","start":1785.575,"end":1789.915,"sentiment":"neutral","sentiment_score":0.018029834764699142}],"sentiment":"neutral","sentiment_score":0.03666974538389374,"channel":1,"num_words":17,"start":1781.11,"end":1789.915},{"sentences":[{"text":"Yep.","start":1791.325,"end":1791.8049,"sentiment":"neutral","sentiment_score":0.05701054632663727},{"text":"No.","start":1791.8049,"end":1792.0449,"sentiment":"neutral","sentiment_score":-0.0020210593938827515},{"text":"Completely understandable.","start":1792.0449,"end":1793.105,"sentiment":"neutral","sentiment_score":0.06064758449792862},{"text":"If you're you're happy with that and you're happy with the level of covers that you have, if you could email through the the IP policy just so we could have it on","start":1793.485,"end":1802.21,"sentiment":"neutral","sentiment_score":0.31323929785779026}],"sentiment":"neutral","sentiment_score":0.2841400401415052,"channel":0,"num_words":37,"start":1791.325,"end":1802.21},{"sentences":[{"text":"Yep.","start":1802.1,"end":1802.6,"sentiment":"neutral","sentiment_score":0.16151008009910583}],"sentiment":"neutral","sentiment_score":0.16151008009910583,"channel":1,"num_words":1,"start":1802.1,"end":1802.6},{"sentences":[{"text":"file as something we have, and then we might get them to send out a third party authority just to get a bit of information on that one just so we've got it for our reference as well","start":1802.3699,"end":1810.49,"sentiment":"neutral","sentiment_score":0.14892004195012545}],"sentiment":"neutral","sentiment_score":0.14892004195012545,"channel":0,"num_words":38,"start":1802.3699,"end":1810.49},{"sentences":[{"text":"Yeah.","start":1810.9,"end":1811.14,"sentiment":"neutral","sentiment_score":0.04695785045623779}],"sentiment":"neutral","sentiment_score":0.04695785045623779,"channel":1,"num_words":1,"start":1810.9,"end":1811.14},{"sentences":[{"text":"if","start":1810.95,"end":1811.19,"sentiment":"neutral","sentiment_score":0.0205713864415884}],"sentiment":"neutral","sentiment_score":0.0205713864415884,"channel":0,"num_words":1,"start":1810.95,"end":1811.19},{"sentences":[{"text":"Okay.","start":1811.14,"end":1811.64,"sentiment":"neutral","sentiment_score":0.029043929651379585}],"sentiment":"neutral","sentiment_score":0.029043929651379585,"channel":1,"num_words":1,"start":1811.14,"end":1811.64},{"sentences":[{"text":"anything does happen.","start":1811.19,"end":1812.405,"sentiment":"neutral","sentiment_score":0.0007875716934601465},{"text":"But I'll what was that?","start":1814.3251,"end":1820.405,"sentiment":"neutral","sentiment_score":-0.0439470075070858},{"text":"Sorry.","start":1820.405,"end":1820.725,"sentiment":"neutral","sentiment_score":-0.09071258455514908},{"text":"Just cut out just a little bit.","start":1820.725,"end":1822.105,"sentiment":"neutral","sentiment_score":-0.05374403191464288},{"text":"Yeah.","start":1824.9801,"end":1825.2201,"sentiment":"neutral","sentiment_score":0.12999236583709717}],"sentiment":"neutral","sentiment_score":-0.03260592732797651,"channel":0,"num_words":17,"start":1811.19,"end":1825.2201},{"sentences":[{"text":"Perfect.","start":1825.2201,"end":1825.7201,"sentiment":"neutral","sentiment_score":0.31640782952308655},{"text":"Do you have one of our emails there, like info at Oakview Financial already?","start":1826.02,"end":1829.56,"sentiment":"neutral","sentiment_score":0.0858394375869206}],"sentiment":"neutral","sentiment_score":0.10121066371599834,"channel":0,"num_words":15,"start":1825.2201,"end":1829.56},{"sentences":[{"text":"And, yeah, I'll I'll get the it'll be just the same as what the newsletter and everything.","start":1830.8201,"end":1836.36,"sentiment":"neutral","sentiment_score":0.0926020176095121}],"sentiment":"neutral","sentiment_score":0.0926020176095121,"channel":1,"num_words":17,"start":1830.8201,"end":1836.36},{"sentences":[{"text":"I'm not too sure if it does come through as the same one as the newsletter, but it is just info at","start":1838.675,"end":1844.675,"sentiment":"neutral","sentiment_score":0.021644809706644577}],"sentiment":"neutral","sentiment_score":0.021644809706644577,"channel":0,"num_words":22,"start":1838.675,"end":1844.675},{"sentences":[{"text":"Yes.","start":1844.475,"end":1844.955,"sentiment":"neutral","sentiment_score":0.044173888862133026}],"sentiment":"neutral","sentiment_score":0.044173888862133026,"channel":1,"num_words":1,"start":1844.475,"end":1844.955},{"sentences":[{"text":"Oakview","start":1844.675,"end":1845.175,"sentiment":"neutral","sentiment_score":0.02870395965874195}],"sentiment":"neutral","sentiment_score":0.02870395965874195,"channel":0,"num_words":1,"start":1844.675,"end":1845.175},{"sentences":[{"text":"Yes.","start":1844.955,"end":1845.455,"sentiment":"neutral","sentiment_score":0.029452525079250336}],"sentiment":"neutral","sentiment_score":0.029452525079250336,"channel":1,"num_words":1,"start":1844.955,"end":1845.455},{"sentences":[{"text":"Financial dot com dot a u.","start":1845.3151,"end":1847.255,"sentiment":"neutral","sentiment_score":0.025194646480182808},{"text":"Yeah.","start":1848.035,"end":1848.275,"sentiment":"neutral","sentiment_score":0.11963389068841934},{"text":"Okay.","start":1848.275,"end":1848.515,"sentiment":"neutral","sentiment_score":0.32704246044158936},{"text":"Brilliant.","start":1848.515,"end":1849.015,"sentiment":"positive","sentiment_score":0.5564495325088501},{"text":"If you just send that one through, that'd be great.","start":1849.7999,"end":1851.7999,"sentiment":"positive","sentiment_score":0.5006736397743226}],"sentiment":"neutral","sentiment_score":0.3242647452770095,"channel":0,"num_words":19,"start":1845.3151,"end":1851.7999},{"sentences":[{"text":"So we're","start":1851.7999,"end":1852.2799,"sentiment":"neutral","sentiment_score":0.29116180539131165}],"sentiment":"neutral","sentiment_score":0.29116180539131165,"channel":0,"num_words":2,"start":1851.7999,"end":1852.2799},{"sentences":[{"text":"Okay.","start":1852.155,"end":1852.655,"sentiment":"neutral","sentiment_score":0.2845996618270874}],"sentiment":"neutral","sentiment_score":0.2845996618270874,"channel":1,"num_words":1,"start":1852.155,"end":1852.655},{"sentences":[{"text":"gonna review that.","start":1852.2799,"end":1853.32,"sentiment":"neutral","sentiment_score":0.19433585306008658},{"text":"And then in the back end there, we'll just look at doing the research on that, look at getting that updated there for you in terms of the investment review.","start":1853.32,"end":1860.62,"sentiment":"neutral","sentiment_score":0.20292680809895197},{"text":"But is there any anything else that you wanted particular advice on anything else you wanted to review at the moment?","start":1860.9199,"end":1865.055,"sentiment":"neutral","sentiment_score":0.13601152244068326},{"text":"Like, obviously, I know you're speaking to an account and maybe have a chat with a a mortgage broker down the track, but if you reach out.","start":1865.055,"end":1871.135,"sentiment":"neutral","sentiment_score":0.07095937430858612},{"text":"But is there anything that you want specifically addressed or reviewed at this time?","start":1871.135,"end":1874.495,"sentiment":"neutral","sentiment_score":0.0027502161849822316}],"sentiment":"neutral","sentiment_score":0.12085747269815521,"channel":0,"num_words":95,"start":1852.2799,"end":1874.495},{"sentences":[{"text":"Like or pretty","start":1874.495,"end":1877.46,"sentiment":"neutral","sentiment_score":-0.04090667702257633}],"sentiment":"neutral","sentiment_score":-0.04090667702257633,"channel":0,"num_words":3,"start":1874.495,"end":1877.46},{"sentences":[{"text":"Not really.","start":1877.3351,"end":1878.055,"sentiment":"neutral","sentiment_score":-0.0864502564072609},{"text":"Yeah.","start":1878.055,"end":1878.555,"sentiment":"neutral","sentiment_score":-0.019136514514684677},{"text":"It's just both of us to just knock on down sort of thing.","start":1879.175,"end":1884.65,"sentiment":"neutral","sentiment_score":-0.03150629538756151},{"text":"Yeah.","start":1884.65,"end":1885.15,"sentiment":"neutral","sentiment_score":0.06896920502185822}],"sentiment":"neutral","sentiment_score":-0.031332333079155755,"channel":1,"num_words":17,"start":1877.3351,"end":1885.15},{"sentences":[{"text":"yeah.","start":1887.2,"end":1887.52,"sentiment":"neutral","sentiment_score":0.08345600217580795},{"text":"That's not a problem","start":1887.52,"end":1888.48,"sentiment":"neutral","sentiment_score":0.13967854902148247}],"sentiment":"neutral","sentiment_score":0.12843403965234756,"channel":0,"num_words":5,"start":1887.2,"end":1888.48},{"sentences":[{"text":"But","start":1888.25,"end":1888.65,"sentiment":"neutral","sentiment_score":0.16152846813201904}],"sentiment":"neutral","sentiment_score":0.16152846813201904,"channel":1,"num_words":1,"start":1888.25,"end":1888.65},{"sentences":[{"text":"at all.","start":1888.48,"end":1888.7999,"sentiment":"neutral","sentiment_score":0.12393949925899504}],"sentiment":"neutral","sentiment_score":0.12393949925899504,"channel":0,"num_words":2,"start":1888.48,"end":1888.7999},{"sentences":[{"text":"as","start":1888.65,"end":1888.81,"sentiment":"neutral","sentiment_score":0.13170340657234192}],"sentiment":"neutral","sentiment_score":0.13170340657234192,"channel":1,"num_words":1,"start":1888.65,"end":1888.81},{"sentences":[{"text":"Obviously","start":1888.7999,"end":1889.2999,"sentiment":"neutral","sentiment_score":0.1434803158044815}],"sentiment":"neutral","sentiment_score":0.1434803158044815,"channel":0,"num_words":1,"start":1888.7999,"end":1889.2999},{"sentences":[{"text":"I say, is that because my wife's with you guys as well, so I have no doubt easily talking to her in the next couple of days or weeks.","start":1888.81,"end":1900.285,"sentiment":"neutral","sentiment_score":0.2163808474252964}],"sentiment":"neutral","sentiment_score":0.2163808474252964,"channel":1,"num_words":29,"start":1888.81,"end":1900.285},{"sentences":[{"text":"yeah.","start":1899.965,"end":1900.205,"sentiment":"neutral","sentiment_score":0.06966350227594376},{"text":"I think when would","start":1900.205,"end":1902.06,"sentiment":"neutral","sentiment_score":0.0307853021658957}],"sentiment":"neutral","sentiment_score":0.03856094218790531,"channel":0,"num_words":5,"start":1899.965,"end":1902.06},{"sentences":[{"text":"So","start":1901.885,"end":1902.385,"sentiment":"neutral","sentiment_score":0.0247397068887949}],"sentiment":"neutral","sentiment_score":0.0247397068887949,"channel":1,"num_words":1,"start":1901.885,"end":1902.385},{"sentences":[{"text":"that be coming up?","start":1902.3,"end":1903.26,"sentiment":"neutral","sentiment_score":0.0370934740640223},{"text":"I'd have to check when her annual review would be be","start":1903.26,"end":1906.14,"sentiment":"neutral","sentiment_score":0.061663595790212807}],"sentiment":"neutral","sentiment_score":0.055111563329895336,"channel":0,"num_words":15,"start":1902.3,"end":1906.14},{"sentences":[{"text":"and","start":1906.0851,"end":1906.3251,"sentiment":"neutral","sentiment_score":0.07729236781597137}],"sentiment":"neutral","sentiment_score":0.07729236781597137,"channel":1,"num_words":1,"start":1906.0851,"end":1906.3251},{"sentences":[{"text":"coming","start":1906.14,"end":1906.38,"sentiment":"neutral","sentiment_score":0.06856159120798111}],"sentiment":"neutral","sentiment_score":0.06856159120798111,"channel":0,"num_words":1,"start":1906.14,"end":1906.38},{"sentences":[{"text":"normally,","start":1906.3251,"end":1906.8251,"sentiment":"neutral","sentiment_score":0.11118252575397491}],"sentiment":"neutral","sentiment_score":0.11118252575397491,"channel":1,"num_words":1,"start":1906.3251,"end":1906.8251},{"sentences":[{"text":"up there as","start":1906.38,"end":1906.9401,"sentiment":"neutral","sentiment_score":0.08321729054053624}],"sentiment":"neutral","sentiment_score":0.08321729054053624,"channel":0,"num_words":3,"start":1906.38,"end":1906.9401},{"sentences":[{"text":"she's Monday because she's she's in the office on a Monday.","start":1906.885,"end":1910.025,"sentiment":"neutral","sentiment_score":0.06547176431525838},{"text":"But she does all the accounts Monday.","start":1911.0599,"end":1913.0,"sentiment":"neutral","sentiment_score":0.051174040883779526}],"sentiment":"neutral","sentiment_score":0.05991153853634993,"channel":1,"num_words":18,"start":1906.885,"end":1913.0},{"sentences":[{"text":"okay.","start":1914.14,"end":1914.64,"sentiment":"neutral","sentiment_score":0.1351698338985443}],"sentiment":"neutral","sentiment_score":0.1351698338985443,"channel":0,"num_words":1,"start":1914.14,"end":1914.64},{"sentences":[{"text":"So yeah.","start":1914.8999,"end":1915.38,"sentiment":"neutral","sentiment_score":0.11816773191094398},{"text":"So I'd say probably like to do some yeah.","start":1915.38,"end":1919.38,"sentiment":"neutral","sentiment_score":0.12208037906222874},{"text":"Monday or the next fortnight or so.","start":1919.38,"end":1921.88,"sentiment":"neutral","sentiment_score":0.08216330728360585}],"sentiment":"neutral","sentiment_score":0.10612233479817708,"channel":1,"num_words":18,"start":1914.8999,"end":1921.88},{"sentences":[{"text":"Yep.","start":1923.1951,"end":1923.6951,"sentiment":"neutral","sentiment_score":0.2149868607521057},{"text":"Right.","start":1924.155,"end":1924.655,"sentiment":"neutral","sentiment_score":0.240924209356308},{"text":"Well, yeah, I'll see where that's at with that as well.","start":1924.9551,"end":1928.015,"sentiment":"neutral","sentiment_score":0.24685029008171774},{"text":"In regards to that and, yeah, you do have that 1.1% coupling fee, which is still active.","start":1928.8401,"end":1933.72,"sentiment":"neutral","sentiment_score":0.327374889570124},{"text":"So that's good as well in terms of, like, your ongoing fees, which is good.","start":1933.72,"end":1937.1,"sentiment":"positive","sentiment_score":0.5551285048325857}],"sentiment":"positive","sentiment_score":0.3791903323597378,"channel":0,"num_words":45,"start":1923.1951,"end":1937.1},{"sentences":[{"text":"Okay.","start":1937.3049,"end":1937.8049,"sentiment":"positive","sentiment_score":0.4471772015094757}],"sentiment":"positive","sentiment_score":0.4471772015094757,"channel":1,"num_words":1,"start":1937.3049,"end":1937.8049},{"sentences":[{"text":"Perfect.","start":1940.04,"end":1940.52,"sentiment":"positive","sentiment_score":0.6158660650253296},{"text":"I'll see with the team and touch base when she's sort of due for annual review and when that's coming up there as well.","start":1940.52,"end":1945.7051,"sentiment":"positive","sentiment_score":0.43045498927434284}],"sentiment":"positive","sentiment_score":0.4378714323043823,"channel":0,"num_words":25,"start":1940.04,"end":1945.7051},{"sentences":[{"text":"Yep.","start":1946.09,"end":1946.59,"sentiment":"neutral","sentiment_score":0.14676982164382937}],"sentiment":"neutral","sentiment_score":0.14676982164382937,"channel":1,"num_words":1,"start":1946.09,"end":1946.59},{"sentences":[{"text":"And then, yeah, even if she wants to have a chat about sort of the the mortgage broker or anything like that and doing that review, then that's more than","start":1946.165,"end":1953.285,"sentiment":"neutral","sentiment_score":0.08158947713673115}],"sentiment":"neutral","sentiment_score":0.08158947713673115,"channel":0,"num_words":30,"start":1946.165,"end":1953.285},{"sentences":[{"text":"Yeah.","start":1953.21,"end":1953.53,"sentiment":"neutral","sentiment_score":0.1060141548514366}],"sentiment":"neutral","sentiment_score":0.1060141548514366,"channel":1,"num_words":1,"start":1953.21,"end":1953.53},{"sentences":[{"text":"fine","start":1953.285,"end":1953.6051,"sentiment":"neutral","sentiment_score":0.1908217966556549}],"sentiment":"neutral","sentiment_score":0.1908217966556549,"channel":0,"num_words":1,"start":1953.285,"end":1953.6051},{"sentences":[{"text":"It","start":1953.53,"end":1953.69,"sentiment":"neutral","sentiment_score":0.19893023371696472}],"sentiment":"neutral","sentiment_score":0.19893023371696472,"channel":1,"num_words":1,"start":1953.53,"end":1953.69},{"sentences":[{"text":"as","start":1953.6051,"end":1953.765,"sentiment":"neutral","sentiment_score":0.17700962722301483}],"sentiment":"neutral","sentiment_score":0.17700962722301483,"channel":0,"num_words":1,"start":1953.6051,"end":1953.765},{"sentences":[{"text":"was","start":1953.69,"end":1953.85,"sentiment":"neutral","sentiment_score":0.18135148286819455}],"sentiment":"neutral","sentiment_score":0.18135148286819455,"channel":1,"num_words":1,"start":1953.69,"end":1953.85},{"sentences":[{"text":"well.","start":1953.765,"end":1954.2,"sentiment":"neutral","sentiment_score":0.22909289598464969}],"sentiment":"neutral","sentiment_score":0.22909289598464969,"channel":0,"num_words":1,"start":1953.765,"end":1954.2},{"sentences":[{"text":"that's definitely something to look into.","start":1953.93,"end":1955.95,"sentiment":"neutral","sentiment_score":0.18665800988674164}],"sentiment":"neutral","sentiment_score":0.18665800988674164,"channel":1,"num_words":6,"start":1953.93,"end":1955.95},{"sentences":[{"text":"Yeah.","start":1957.1599,"end":1957.48,"sentiment":"neutral","sentiment_score":0.11757473647594452},{"text":"Even if it's like, you know, you don't know unless you sort of have a look at it.","start":1957.48,"end":1961.1599,"sentiment":"neutral","sentiment_score":0.07884331771896945},{"text":"And mortgage brokers are generally paid through the institution, so it doesn't really cost you to to check.","start":1961.1599,"end":1966.1399,"sentiment":"neutral","sentiment_score":0.16903674768077004}],"sentiment":"neutral","sentiment_score":0.12376799766679068,"channel":0,"num_words":37,"start":1957.1599,"end":1966.1399},{"sentences":[{"text":"Yep.","start":1966.4249,"end":1966.9249,"sentiment":"neutral","sentiment_score":0.1879444122314453}],"sentiment":"neutral","sentiment_score":0.1879444122314453,"channel":1,"num_words":1,"start":1966.4249,"end":1966.9249},{"sentences":[{"text":"And then with that, you might be getting a better rate sort of thing as well.","start":1968.055,"end":1971.515,"sentiment":"neutral","sentiment_score":0.2686838498339057}],"sentiment":"neutral","sentiment_score":0.2686838498339057,"channel":0,"num_words":16,"start":1968.055,"end":1971.515},{"sentences":[{"text":"Yeah.","start":1972.04,"end":1972.44,"sentiment":"neutral","sentiment_score":0.1602466106414795},{"text":"For sure.","start":1972.44,"end":1973.26,"sentiment":"neutral","sentiment_score":0.19418635964393616}],"sentiment":"neutral","sentiment_score":0.1828731099764506,"channel":1,"num_words":3,"start":1972.04,"end":1973.26},{"sentences":[{"text":"Perfect.","start":1974.6951,"end":1975.1951,"sentiment":"positive","sentiment_score":0.38792145252227783},{"text":"But any questions for me there, Danny, while you've got me in regards to anything?","start":1975.5751,"end":1978.635,"sentiment":"neutral","sentiment_score":0.09863779271642367}],"sentiment":"neutral","sentiment_score":0.11671802145428956,"channel":0,"num_words":16,"start":1974.6951,"end":1978.635},{"sentences":[{"text":"I'm not right now.","start":1979.4,"end":1980.54,"sentiment":"neutral","sentiment_score":-0.04827385954558849}],"sentiment":"neutral","sentiment_score":-0.04827385954558849,"channel":1,"num_words":4,"start":1979.4,"end":1980.54},{"sentences":[{"text":"Not a problem at all.","start":1981.9099,"end":1982.71,"sentiment":"neutral","sentiment_score":0.1436678260564804},{"text":"Well, I'll let you get back to your day.","start":1982.71,"end":1984.07,"sentiment":"neutral","sentiment_score":0.23472312920623356},{"text":"Obviously, we'll be in touch once they sort of get everything together, get the research together, and get that document together for you in terms of that update","start":1984.07,"end":1991.37,"sentiment":"neutral","sentiment_score":0.23588775470852852}],"sentiment":"neutral","sentiment_score":0.22465962916612625,"channel":0,"num_words":42,"start":1981.9099,"end":1991.37},{"sentences":[{"text":"Yep.","start":1991.105,"end":1991.605,"sentiment":"neutral","sentiment_score":0.1801261156797409}],"sentiment":"neutral","sentiment_score":0.1801261156797409,"channel":1,"num_words":1,"start":1991.105,"end":1991.605},{"sentences":[{"text":"and getting that together for you.","start":1991.655,"end":1993.0951,"sentiment":"neutral","sentiment_score":0.21955279757579169},{"text":"And then we'll have book in, have a chat, and see what you you think about it.","start":1993.0951,"end":1996.295,"sentiment":"positive","sentiment_score":0.3379197944613064},{"text":"And if you do wanna make some changes from that as well, feel free to sort of vase any concerns you may have in regards to it because, obviously, at the end of the day, it's your money, so you can have a say if you wanna go ahead with it or not.","start":1996.295,"end":2007.27,"sentiment":"neutral","sentiment_score":0.22202632583256038}],"sentiment":"neutral","sentiment_score":0.24775458632135078,"channel":0,"num_words":76,"start":1991.655,"end":2007.27},{"sentences":[{"text":"Okay.","start":2007.65,"end":2008.15,"sentiment":"neutral","sentiment_score":0.2895136773586273}],"sentiment":"neutral","sentiment_score":0.2895136773586273,"channel":1,"num_words":1,"start":2007.65,"end":2008.15},{"sentences":[{"text":"Not a problem, Daniel.","start":2008.9501,"end":2009.91,"sentiment":"positive","sentiment_score":0.5544877648353577},{"text":"Well, enjoy the rest of your day.","start":2009.91,"end":2011.11,"sentiment":"positive","sentiment_score":0.7867676189967564},{"text":"Take it easy.","start":2011.11,"end":2011.75,"sentiment":"positive","sentiment_score":0.6089193026224772},{"text":"Don't work too hard out there.","start":2011.75,"end":2013.13,"sentiment":"neutral","sentiment_score":0.05825790266195933}],"sentiment":"positive","sentiment_score":0.4950814858078957,"channel":0,"num_words":20,"start":2008.9501,"end":2013.13},{"sentences":[{"text":"No.","start":2013.289,"end":2013.5289,"sentiment":"neutral","sentiment_score":-0.19439354538917544},{"text":"I'm probably sitting there.","start":2013.5289,"end":2014.7289,"sentiment":"neutral","sentiment_score":-0.23720353841781616},{"text":"Go ahead and tell him what billing to","start":2014.7289,"end":2016.2489,"sentiment":"neutral","sentiment_score":-0.03955318592488766}],"sentiment":"neutral","sentiment_score":-0.11227947588150318,"channel":1,"num_words":13,"start":2013.289,"end":2016.2489},{"sentences":[{"text":"Brilliant.","start":2017.2389,"end":2017.7389,"sentiment":"neutral","sentiment_score":0.26968079805374146},{"text":"Alright, mate.","start":2017.8789,"end":2018.3589,"sentiment":"neutral","sentiment_score":0.20424572378396988},{"text":"I'll talk soon.","start":2018.3589,"end":2019.079,"sentiment":"neutral","sentiment_score":0.11384233335653941}],"sentiment":"neutral","sentiment_score":0.16994987428188324,"channel":0,"num_words":6,"start":2017.2389,"end":2019.079},{"sentences":[{"text":"alright.","start":2018.8889,"end":2019.289,"sentiment":"neutral","sentiment_score":0.1049063354730606}],"sentiment":"neutral","sentiment_score":0.1049063354730606,"channel":1,"num_words":1,"start":2018.8889,"end":2019.289},{"sentences":[{"text":"Catch","start":2019.079,"end":2019.319,"sentiment":"neutral","sentiment_score":0.19184044003486633}],"sentiment":"neutral","sentiment_score":0.19184044003486633,"channel":0,"num_words":1,"start":2019.079,"end":2019.319},{"sentences":[{"text":"Thanks","start":2019.289,"end":2019.6089,"sentiment":"positive","sentiment_score":0.5796847939491272}],"sentiment":"positive","sentiment_score":0.5796847939491272,"channel":1,"num_words":1,"start":2019.289,"end":2019.6089},{"sentences":[{"text":"you later.","start":2019.319,"end":2019.719,"sentiment":"positive","sentiment_score":0.5763292014598846}],"sentiment":"positive","sentiment_score":0.5763292014598846,"channel":0,"num_words":2,"start":2019.319,"end":2019.719},{"sentences":[{"text":"a","start":2019.6089,"end":2019.7689,"sentiment":"neutral","sentiment_score":0.19486120343208313}],"sentiment":"neutral","sentiment_score":0.19486120343208313,"channel":1,"num_words":1,"start":2019.6089,"end":2019.7689},{"sentences":[{"text":"Bye.","start":2019.719,"end":2020.219,"sentiment":"neutral","sentiment_score":0.18356597423553467}],"sentiment":"neutral","sentiment_score":0.18356597423553467,"channel":0,"num_words":1,"start":2019.719,"end":2020.219},{"sentences":[{"text":"lot.","start":2019.7689,"end":2020.2489,"sentiment":"neutral","sentiment_score":0.15914186835289},{"text":"Alright, guys.","start":2020.2489,"end":2020.809,"sentiment":"neutral","sentiment_score":0.25100182741880417},{"text":"Bye bye.","start":2020.809,"end":2021.4689,"sentiment":"neutral","sentiment_score":0.023304015398025513}],"sentiment":"neutral","sentiment_score":0.14155071079730988,"channel":1,"num_words":5,"start":2019.7689,"end":2021.4689}]},"summary":{"result":"success","short":"Representatives from IP Hello conduct a job interview with Daniel, including employment details, savings and expenditures, and retirement savings. The customer's financial situation is discussed, including their home and investment property, and their risk profile is addressed. The conversation also covers topics such as life and TPD insurance policies, risk management, and updating portfolios. The speakers emphasize the importance of working towards being more self-insured and recommend reviewing and updating their insurances."},"intents":{"segments":[{"text":"I've got you scheduled in for that interview now. Is that now is still a good time? Yeah, mate.","start_word":30,"end_word":48,"intents":[{"intent":"Schedule interview","confidence_score":0.59315675}]},{"text":"Just to get started on that one, Daniel, if I could just pass you through security, just that name, date of birth, and kind of just we can get stuck into that one today. Daniel Mullins.","start_word":51,"end_word":86,"intents":[{"intent":"Pass through security","confidence_score":0.74030614}]},{"text":"Now I know you already signed that ongoing service grant at the end of last year. Things obviously just got a little bit busy. We didn't get around to actually completing the full annual review there for you.","start_word":103,"end_word":140,"intents":[{"intent":"Complete annual review","confidence_score":0.8503592}]},{"text":"So what I will do there, Daniel, is I'll just run through, and I'll confirm a few details, make sure everything else is up to date there if Yep.","start_word":173,"end_word":201,"intents":[{"intent":"Confirm information","confidence_score":0.0054070386}]},{"text":"Just in regards to that one, we don't have a phone number for Brianna in the event that we couldn't reach you. Did you wanna put down a contact number for her?","start_word":233,"end_word":264,"intents":[{"intent":"Contact brenna","confidence_score":0.00067518157}]},{"text":"Because, obviously, that does make a difference in regards to your superannuation. Like, obviously, you've got nice amount of assets outside of superannuation from, like, being self employed and being able to contribute a lot more of that money towards those sort of assets paying off the mortgage investment property, things like that as well.","start_word":791,"end_word":845,"intents":[{"intent":"Discuss superannuation and assets","confidence_score":0.0046104062}]},{"text":"And then as far as, like, the land you had in that build there, that's all finalized now, and you're living in that one currently? Yep.","start_word":1003,"end_word":1028,"intents":[{"intent":"Finalize land","confidence_score":0.77444744}]},{"text":"And do you know roughly what that one's worth now?","start_word":1030,"end_word":1039,"intents":[{"intent":"Determine cost","confidence_score":0.004235313}]},{"text":"And then with that one, did you speak to a mortgage broker when you set up that sort of split of, like, not having any loan against the investment property versus, like, your primary residence and things like that?","start_word":1091,"end_word":1129,"intents":[{"intent":"Discuss mortgage broker options","confidence_score":0.0010647291}]},{"text":"Because just, obviously, in regards to, like, investment properties at the moment, you can still deduct the interest on, like, the loans for investments versus, like, your primary residence. So sometimes they do do a split between, like, the investment and your primary. So at least, like, the interest getting paid on the investment, one, you're earning an income with that, and then two, the interest on those repayments is a deduction Hello?","start_word":1174,"end_word":1246,"intents":[{"intent":"Confirm interest deduction","confidence_score":0.024211282},{"intent":"Discuss loan options","confidence_score":0.0070806458}]},{"text":"And then if you did wanna review your home loan, we do have some mortgage brokers that we sort of liaison that are part of, like, trusted partners. So if Okay.","start_word":1253,"end_word":1283,"intents":[{"intent":"Discuss home loan review","confidence_score":0.032822706},{"intent":"Review home loan details","confidence_score":0.07689096}]},{"text":"It might be something we need to look into. like. Yeah.","start_word":1321,"end_word":1331,"intents":[{"intent":"Consider options","confidence_score":0.0010090149}]},{"text":"And what that does is essentially, like, it's like being on the mortgage, but it's not. Like, you still have full access to it. It's Yeah.","start_word":1665,"end_word":1690,"intents":[{"intent":"Discuss home loan interest","confidence_score":0.0075961854}]},{"text":"the exact same as in everyday spending, but you won't get interest on it. All it would do is, like, offset the interest that you would be paying on your home loan. So, essentially, instead of paying the interest on a $700,000 debt, you'd be paying it closer to, you know, that $5.60 mark Yes.","start_word":1690,"end_word":1744,"intents":[{"intent":"Consider debt","confidence_score":0.000009535313}]},{"text":"All it would do is, like, offset the interest that you would be paying on your home loan.","start_word":1704,"end_word":1721,"intents":[{"intent":"Discuss interest offset","confidence_score":0.103911005}]},{"text":"yeah, which is definitely higher than what you'd be getting currently at least, not being in, like, a high interest saver or, like, a term deposit and things like that as well.","start_word":1829,"end_word":1860,"intents":[{"intent":"Discuss high interest saver interest","confidence_score":0.24830091}]},{"text":"And then as far as the estate planning side of things goes, I know you didn't have a will set up the last time you spoke to us there. Have you managed to get around to looking into a will?","start_word":2055,"end_word":2094,"intents":[{"intent":"Gather information about wills and estate planning","confidence_score":0.000653337}]},{"text":"And then as far as the estate planning side of things goes, I know you didn't have a will set up the last time you spoke to us there. Have you managed to get around to looking into a will? No.","start_word":2055,"end_word":2095,"intents":[{"intent":"Discuss estate planning and will options","confidence_score":0.020075092}]},{"text":"We don't draw up wills. We can have conversations around how you can split your estates and things like that and have a general sort of discussion on how you might wanna split it.","start_word":2118,"end_word":2151,"intents":[{"intent":"Discuss will options","confidence_score":0.0055356976},{"intent":"Discuss wills and estates","confidence_score":0.30617148},{"intent":"Discuss wills and estates","confidence_score":0.4365091},{"intent":"Discuss will and estates","confidence_score":0.011884319}]},{"text":"And even then, like, even if you've got, like, a will set up by a solicitor, the the likelihood is is, like, if someone comes out of the woodwork, you know, your next spouse, there's a separation, things like that, and people tend to claim anyway and, like, challenge the estates. So Yep.","start_word":2295,"end_word":2347,"intents":[{"intent":"Address challenges with wills and wills","confidence_score":0.000001982227}]},{"text":"And I'll just double check-in regards to Yep. your beneficiary forms and see if that's up to date. Yes.","start_word":2417,"end_word":2435,"intents":[{"intent":"Update beneficiary forms","confidence_score":0.032791335}]},{"text":"And then you're no tax resident anywhere else but Australia at the moment? Sorry.","start_word":2793,"end_word":2806,"intents":[{"intent":"Ensure correct balance","confidence_score":0.0006103871}]},{"text":"And as far as goals are concerned there, I know your main goal is to just pay down your current loans there, make sure everything on the bill was finalized, get in there. Is there any Yeah.","start_word":2817,"end_word":2853,"intents":[{"intent":"Give goals","confidence_score":0.000015774189}]},{"text":"I think next thing is be well, get a bigger machine. Sort of and I'm not, yeah, in and out of the truck load. Yeah.","start_word":2864,"end_word":2888,"intents":[{"intent":"Maximize machine","confidence_score":0.0009893179}]},{"text":"You're not sort of looking at anything major in the next sort of two or three years, the next No. five years?","start_word":2948,"end_word":2969,"intents":[{"intent":"End conversation","confidence_score":0.0068890927}]},{"text":"Probably just upgrade the truck and, yeah, bigger probably a bigger machine to a bit more weather likely that rather than sitting in the open cab. Perfect.","start_word":2976,"end_word":3002,"intents":[{"intent":"Upgrade truck","confidence_score":0.43335444}]},{"text":"Give that to to someone else and run a second crew, something like that.","start_word":3003,"end_word":3016,"intents":[{"intent":"Run second crew","confidence_score":0.93741035}]},{"text":"As far as your risk profile goes, we'll just go through a few questions there and make sure that's still up to date there. So you're currently in a high growth. It's around that ninety ten sort of split. So 90% growth assets, about 10% defensive. And we'll just go through a few questions to make sure that's still up to date there for you.","start_word":3037,"end_word":3101,"intents":[{"intent":"Confirm risk profile","confidence_score":0.050503187}]},{"text":"So in regards to most aggressive investment you've made, have you had any direct share holdings or bought any direct shares recently or No. before? Yep.","start_word":3103,"end_word":3128,"intents":[{"intent":"Evaluate investment opportunities","confidence_score":0.005894022}]},{"text":"I have to talk to someone like you guys, I reckon, and I'll get the best advice, like, if it was because it was a bit nuts. Yeah.","start_word":3504,"end_word":3531,"intents":[{"intent":"Gather advice","confidence_score":0.0014413628}]},{"text":"either have, like, an investment portfolio and or another investment outside of superannuation to help continue to grow your wealth while you're you're working sort of thing.","start_word":3792,"end_word":3818,"intents":[{"intent":"Discuss investment portfolio and policy options","confidence_score":0.0000016119089}]},{"text":"Because, obviously, the the potential upside is a lot higher with, like, using other people's money or the bank's Yep. money to be able to sort of get a return on investment versus, like, the loan repayments.","start_word":3820,"end_word":3856,"intents":[{"intent":"Discuss low return on investment","confidence_score":0.000021207954}]},{"text":"Obviously, you know, the risk of that is if, like, the markets were to go down, you're still liable for that loan at the rate you sort of borrowed at as well, which Yep. is something to be mindful of. Yeah.","start_word":3857,"end_word":3897,"intents":[{"intent":"Discuss market volatility","confidence_score":0.17355554},{"intent":"Discuss market volatility","confidence_score":0.0054398533}]},{"text":"because of that dip and then the fact that everything has occurred there, as a business, they made a decision to move away from the Bennelong, equities managed fund and look at updating those portfolios.","start_word":4172,"end_word":4206,"intents":[{"intent":"Update portfolios","confidence_score":0.029069128}]},{"text":"What what would you what what would you recommend?","start_word":4573,"end_word":4581,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.113500684}]},{"text":"That's And then with that there, that documents there for you to review just what did occur the last twelve months there will just be going to DanielMullins1@BigPond.com, if that's still correct? it. Correct.","start_word":4902,"end_word":4935,"intents":[{"intent":"Review documents","confidence_score":0.15770891}]},{"text":"Now the other thing I want to have a quick chat about is that you've got the the life and TPD portion. With your insurances, you don't currently hold any income protection or, like, trauma insurance.","start_word":4957,"end_word":4992,"intents":[{"intent":"Discuss life and tpd coverage","confidence_score":0.03786202}]},{"text":"I think it's a proper policy.","start_word":5049,"end_word":5054,"intents":[{"intent":"Clarify policy requirements","confidence_score":0.011260131}]},{"text":"And are your insurances something that you wanna review? Because, obviously, at the moment, your death and total parent dispute at the moment, they cover, you know, for about, like, a bit over half of, like, your current mortgage debt. Yep.","start_word":5107,"end_word":5147,"intents":[{"intent":"Review insurances","confidence_score":0.00047066435}]},{"text":"Is this something you wanna look at reviewing and going through the pre assessment process to be out of sort of review those insurances, giving you a new level of debt?","start_word":5192,"end_word":5222,"intents":[{"intent":"Review insurance","confidence_score":0.117967114}]},{"text":"But if you're comfortable with the level of amount that you do have currently, it's not to say that it's bad by any means. It just means you'd have to work towards being a little bit more self insured, which Yeah.","start_word":5455,"end_word":5495,"intents":[{"intent":"Review self-insured","confidence_score":0.0000013684866}]},{"text":"So some people do prefer to work towards being a little bit more self insured and not having to pay as high premium and just having a little bit of it. Some people like to cover fully if anything was to go wrong and then sort of not self insure as much at the end of the day Yep. as well. Yeah.","start_word":5545,"end_word":5606,"intents":[{"intent":"Discuss premium coverage and coverage levels","confidence_score":6.1860504e-8}]},{"text":"If you're you're happy with that and you're happy with the level of covers that you have, if you could email through the the IP policy just so we could have it on Yep. file as something we have, and then we might get them to send out a third party authority just to get a bit of information on that one just so we've got it for our reference as well Yeah.","start_word":5627,"end_word":5699,"intents":[{"intent":"Send email through ip policy","confidence_score":0.026540577}]},{"text":"Do you have one of our emails there, like info at Oakview Financial already? And, yeah, I'll I'll get the it'll be just the same as what the newsletter and everything. I'm not too sure if it does come through as the same one as the newsletter, but it is just info at Yes.","start_word":5720,"end_word":5773,"intents":[{"intent":"Review newsletter","confidence_score":0.26048753}]},{"text":"Do you have one of our emails there, like info at Oakview Financial already? And, yeah, I'll I'll get the it'll be just the same as what the newsletter and everything. I'm not too sure if it does come through as the same one as the newsletter, but it is just info at Yes. Oakview Yes. Financial dot com dot a u. Yeah.","start_word":5720,"end_word":5782,"intents":[{"intent":"Confirm email","confidence_score":0.00092239643}]},{"text":"gonna review that. And then in the back end there, we'll just look at doing the research on that, look at getting that updated there for you in terms of the investment review.","start_word":5798,"end_word":5830,"intents":[{"intent":"Review investment review","confidence_score":0.41296887},{"intent":"Review research","confidence_score":0.19302471}]},{"text":"gonna review that. And then in the back end there, we'll just look at doing the research on that, look at getting that updated there for you in terms of the investment review. But is there any anything else that you wanted particular advice on anything else you wanted to review at the moment?","start_word":5798,"end_word":5851,"intents":[{"intent":"Review specific recommendations","confidence_score":0.0014219017}]},{"text":"Like, obviously, I know you're speaking to an account and maybe have a chat with a a mortgage broker down the track, but if you reach out. But is there anything that you want specifically addressed or reviewed at this time? Like or pretty Not really.","start_word":5852,"end_word":5897,"intents":[{"intent":"Reach out to broker","confidence_score":0.028260587}]},{"text":"I'd have to check when her annual review would be be and coming normally, up there as she's Monday because she's she's in the office on a Monday. But she does all the accounts Monday. okay.","start_word":5962,"end_word":5997,"intents":[{"intent":"Schedule annual review","confidence_score":0.3136198}]},{"text":"In regards to that and, yeah, you do have that 1.1% coupling fee, which is still active. So that's good as well in terms of, like, your ongoing fees, which is good. Okay. Perfect.","start_word":6029,"end_word":6062,"intents":[{"intent":"Provide information","confidence_score":0.051986337}]},{"text":"And then, yeah, even if she wants to have a chat about sort of the the mortgage broker or anything like that and doing that review, then that's more than Yeah.","start_word":6088,"end_word":6118,"intents":[{"intent":"Discuss mortgage broker","confidence_score":0.3483167}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning, Daniel. Good morning, It's Carl sir. calling from IP Hello? Financial Aid today.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.16462665796279907},{"text":"Good call there.","start_word":16,"end_word":18,"sentiment":"positive","sentiment_score":0.42293405532836914},{"text":"You might Yeah.","start_word":19,"end_word":21,"sentiment":"neutral","sentiment_score":0.21077960729599},{"text":"Not too bad at all. Thanks for asking. I've got you scheduled in for that interview now.","start_word":22,"end_word":38,"sentiment":"positive","sentiment_score":0.4082101583480835},{"text":"Is that now is still a good time? Yeah, mate. Yeah.","start_word":39,"end_word":49,"sentiment":"neutral","sentiment_score":0.26586946845054626},{"text":"Perfect.","start_word":50,"end_word":50,"sentiment":"positive","sentiment_score":0.6131665110588074},{"text":"Just to get started on that one, Daniel, if I could just pass you through security, just that name, date of birth, and kind of just we can get stuck into that one today. Daniel Mullins. So that's the 5981. And eighty three Mossman's Lane, Menildra.","start_word":51,"end_word":96,"sentiment":"neutral","sentiment_score":0.18014025688171387},{"text":"Perfect. Thank you for that one.","start_word":97,"end_word":102,"sentiment":"positive","sentiment_score":0.6137820482254028},{"text":"Now I know you already signed that ongoing service grant at the end of last year. Things obviously just got a little bit busy. We didn't get around to actually completing the full annual review there for you. So what we'll be doing there today is just running through a few documents there, how things have gone for the last twelve months, and then any potential updates there as well. So what I will do there, Daniel, is I'll just run through, and I'll confirm a few details, make sure everything else is up to date there if Yep. that's alright. Perfect. The address hasn't changed. So yep. Great. And then you're still married to Brianna, and she's your next of kin. Is that still fine? Yep. That's right. Perfect. Just in regards to that one, we don't have a phone number for Brianna in the event that we couldn't reach you. Did you wanna put down a contact number for her? Yeah. Or I can. Yep. Yep. Perfect. Alright. So it's 0428 Yep. 387 Perfect. 08 Great. And as I said, that's an interview that we couldn't reach you because that's not for any sort of marketing purchase purposes four. or anything like that as well. Yep. That's fine. Right. Perfect. And still just the three kids at home? Yeah, mate. Yep. Perfect. Now in regards to your work, I know you're self employed there. Yep. Now are you still doing that role? Has that changed Yeah. at all? Yes. No. Perfect. I And then within regards haven't to that one, we don't have your business changed. name because you were sort of yet to name it the last time it I was still really spoken about. haven't. Okay. Yeah. Still no. That's perfectly fine. And how long have you been self employed now since as opposed to, like, industry experience of, like, other employers? Okay. And on Beyond, 2021, I think it was, or 2020. So, like, five years out. Alright. And how long have Yeah. you been operating heavy equipment? Made on and off since I was 18. So Yep.","start_word":103,"end_word":455,"sentiment":"neutral","sentiment_score":0.03705608933931876},{"text":"Perfect.","start_word":456,"end_word":456,"sentiment":"positive","sentiment_score":0.47590702772140503},{"text":"So quite some time. Got a bit yeah. under your belt. Yeah. Yep. Right. And in terms of, like, hours you're working per week, do you know roughly sort of what hours you're pulling each week? Forty forty odd forty five. Around Perfect. that. And you're still paying Yeah. yourself the $1.20 per annum? And I hadn't really changed the water. If it did, it wouldn't have been much. Yeah. Not a problem. And then as far as your, like, savings and expenditures go, do you know roughly obviously, you know, with the the build on the land and things like that, things are probably a little bit more stretched than usual. But do you know roughly what your expenditures and savings are per week? Well, fuel because I'm busy in weeks, fuel would be 300 to 400. Saving me, I'm not totally sure. You don't have a set amount that you're sort of trying to put away in a savings Well, account or everything an offset we got account, I think? everything we got, and then go straight off into more bank. And then yeah. Yep. And did your partner deal with, like, the household expenses type deal and She you're does. just putting Yeah. yeah. Yeah. And then once I get, like which I'm yet to. Like, once my account builds up to what it is at the moment, I usually just take a whack off the health plan. Yep. Not a problem. And in terms of super guarantee, now I know at one point you were, like, sort of doing 20,000 per annum as, like, Yeah. lump sum concessional contributions. Are you planning on starting those back up at all, or are you Well, yeah, I'd have I've actually got a mate to chat on Monday. I'm pretty sure. So I'd I'd get yet to speak to he's got he's been with us for the last Okay. two years, and I'm yet to meet him. So yeah. Possibly, yeah. Yeah. Yeah. Because, obviously, that does make a difference in regards to your superannuation. Like, obviously, you've got nice amount of assets outside of superannuation from, like, being self employed and being able to contribute a lot more of that money towards those sort of assets paying off the mortgage investment property, things like that as well. But it does sort of, you know, affect your your balance and how that does grow as well if you're not Yeah. For contributing sure. to to superannuation.","start_word":457,"end_word":873,"sentiment":"neutral","sentiment_score":0.009410911844931633},{"text":"That's that's fine.","start_word":874,"end_word":876,"sentiment":"positive","sentiment_score":0.3469579517841339},{"text":"I'll leave that with you in your meeting with the account. And if you're just sort of planning on do it as well, you can obviously do the concession and claim that notice of intent, but he'll know all about that as well. Yeah.","start_word":877,"end_word":920,"sentiment":"neutral","sentiment_score":0.224376380443573},{"text":"Yeah. Perfect.","start_word":921,"end_word":922,"sentiment":"positive","sentiment_score":0.504273533821106},{"text":"And then as far as the assets and liabilities, you know, it's updated. So the house is worth around 400 with no no mortgage left on that one. On the old house? Yeah. The old primary. That's right. Yeah. I think it'd be still around at 4, maybe $4.04 50 probably maybe now. Yep. And is that now an investment property like you're not living in anymore?","start_word":923,"end_word":989,"sentiment":"neutral","sentiment_score":0.009615227580070496},{"text":"No. No.","start_word":990,"end_word":991,"sentiment":"negative","sentiment_score":-0.3427542746067047},{"text":"Yeah.","start_word":992,"end_word":992,"sentiment":"neutral","sentiment_score":-0.1838420927524567},{"text":"No.","start_word":993,"end_word":993,"sentiment":"negative","sentiment_score":-0.399758517742157},{"text":"It's been been ran to the right. Yep. And then as far as, like, the land you had in that build there, that's all finalized now, and you're living in that one currently? Yep. Yep. Yep. And do you know roughly what that one's worth now? Well, $700,007.30 or 40 build on the price was $2.50. So yeah. I suppose it'd be close Close to to a a million. yep.","start_word":994,"end_word":1063,"sentiment":"neutral","sentiment_score":0.0841315997498376},{"text":"Perfect.","start_word":1064,"end_word":1064,"sentiment":"positive","sentiment_score":0.627604603767395},{"text":"And then do you know roughly what's owing left on that one? 700, I think. Yeah. Yep. Mate, but but probably the late sevens. Okay. Yep. And then with that one, did you speak to a mortgage broker when you set up that sort of split of, like, not having any loan against the investment property versus, like, your primary residence and things like that? I didn't we didn't speak to anyone. We just did not going with the bank. Brianna was with, and I, Yeah. yeah, met met them and then had a meeting and then, yeah, they approved it, I think, a couple of weeks later. Yeah. Because just, obviously, in regards to, like, investment properties at the moment, you can still deduct the interest on, like, the loans for investments versus, like, your primary residence. So sometimes they do do a split between, like, the investment and your primary. So at least, like, the interest getting paid on the investment, one, you're earning an income with that, and then two, the interest on those repayments is a deduction Hello? versus, like, your your primary residence. And then if you did wanna review your home loan, we do have some mortgage brokers that we sort of liaison that are part of, like, trusted partners. So if Okay. you ever do wanna, like, look at revisiting or refinancing and things like that as well, feel free to give us a shout, and we can sort of pass your details along if you'd Yep. Yeah. Okay. It might be something we need to look into. like. Yeah. Especially if you, like, haven't really looked at your loan since, like, the house was built and finalized and things like that because you might have a bit more equity than you think, and that might sort of be able to, you know, affect, like, what sort of loan rate you can get as well and Yeah. whether We or not it's worth you're right. Yeah. For sure. Yeah. So if you have a chat with your your partner there and wanna have a look into that, feel free, and we can just pass along your your details Yep. to one of the mortgage brokers here. Okay. And other assets there, I've got your truck worth around the 55,000 and a machine estimated worth around the 85. Is that about right? Yeah. Yeah. Yep.","start_word":1065,"end_word":1465,"sentiment":"neutral","sentiment_score":0.03141609504075716},{"text":"It's taken the the escalator model is deteriorated a bit now.","start_word":1466,"end_word":1476,"sentiment":"negative","sentiment_score":-0.4052145481109619},{"text":"I've put a few noise on it, but Yep. And have you managed to pay most of that off now? Is there anything owing on that escrow? No. No. It's Perfect. paid And as far as any other assets and off. liabilities that I haven't mentioned, you said you've got a bit of a savings built up as well. Do you know roughly sort of how much is sitting in that? $1.40. $1.40. And is that an offset or a savings account? Oh, that's the sailing. Yep. And do you Yeah. have that in a high interest savings account at the moment? No. No. It's just yeah. That's just my everyday account. Because with And that I too, I don't obviously oh, sorry? yeah.","start_word":1477,"end_word":1600,"sentiment":"neutral","sentiment_score":-0.03435911983251572},{"text":"I don't gain any interest on it.","start_word":1601,"end_word":1607,"sentiment":"negative","sentiment_score":-0.3698243498802185},{"text":"I think because it's always up and down and that's good everything. Yes. Yeah. The Sorry. other option there is you can look at setting up an offset account with your your bank or, like, with the your, like, loan provider there, so, like, who it's with. And you can leave it sitting in the offset. And what that does is essentially, like, it's like being on the mortgage, but it's not. Like, you still have full access to it. It's Yeah. the exact same as in everyday spending, but you won't get interest on it. All it would do is, like, offset the interest that you would be paying on your home loan. So, essentially, instead of paying the interest on a $700,000 debt, you'd be paying it closer to, you know, that $5.60 mark Yes. in terms of, like, the interest repayment you'd be making. So that's something you can Yep. look into as well if you're not really got in a high interest or not doing much with it. I'm assuming your home rate is probably up around that sort of five, maybe sort of 5% mark in terms of, like, what you're paying. Yeah. I think it's yeah. Around that four $5.04, possibly. Yeah. I think I thought Which she mentioned which it the is, other day. yeah, which is definitely higher than what you'd be getting currently at least, not being in, like, a high interest saver or, like, a term deposit and things like that as well. So Yep. you could be offsetting, like, the interest of, like, four to 5% of your mortgage as opposed to getting, you know, like, your two two point something percent interest earned on the the savings account, if that makes Okay. sense. Yeah. Yeah. It's odd. So that's another thing to be be mindful of and potentially look into there as well. Yep. Obviously, if you wanna have a bit more conversation around it or with your partner as well, that's more than fine.","start_word":1608,"end_word":1944,"sentiment":"neutral","sentiment_score":0.04405675225998952},{"text":"Happy to have a a bit more of a chat.","start_word":1945,"end_word":1954,"sentiment":"positive","sentiment_score":0.4587555527687073},{"text":"But it seems like she does deal with a lot of it as well, so feel free just to mention it to her. Yeah. Well, that's for what? And so if you've entered these one previously as well, it's updated the workbook a little bit, but you've now declared bankruptcy or a partner on debt agreement? No. Yeah. No. That's fine. And as far as your health's going, you're not sort of a smoker still, no injuries, No. medications currently? No.","start_word":1955,"end_word":2035,"sentiment":"neutral","sentiment_score":0.07014674555372309},{"text":"Perfect.","start_word":2036,"end_word":2036,"sentiment":"positive","sentiment_score":0.4174152612686157},{"text":"And have you got private health cover at the moment there, Danny? No. We don't. No. That's fine. And then as far as the estate planning side of things goes, I know you didn't have a will set up the last time you spoke to us there. Have you managed to get around to looking into a will? No. No. I haven't. I was actually only woke up this morning and thought about that Yep. Because or yesterday morning. Yep. yeah. We don't draw up wills. We can have conversations around how you can split your estates and things like that and have a general sort of discussion on how you might wanna split it. Obviously, with the young family and your partner, generally, you know, you just leave it to your spouse. And then, like, worst case scenario, there'd be, like, someone else that would look after potentially the children. They'd get you know, as they come of age type deal, Yeah. which a lawyer all can do. We can send you through just a local solicitor's information booklet Yep. on their general pricing a little bit more about wills and estates. And then the other thing you can look to potentially do is if you're just looking to get a slot together one is just like a post office full, they're generally a lot cheaper, not as ironclad. But in saying Yeah. that yeah. I have looked at them at the end. Sort of didn't elaborate on a lot of things that it was sent. No. And even then, like, even if you've got, like, a will set up by a solicitor, the the likelihood is is, like, if someone comes out of the woodwork, you know, your next spouse, there's a separation, things like that, and people tend to claim anyway and, like, challenge the estates. So Yep. even with with a will, it can sort of be tied up sort of thing. And when there's not a will, it just gets real messy real quickly. Well, that's all Yeah. So with that, of it. we could just send that through and then any sort of updates so we can put a reminder in those documents just to make sure you've got those sort of set.","start_word":2037,"end_word":2415,"sentiment":"neutral","sentiment_score":-0.03937532401356188},{"text":"Perfect.","start_word":2416,"end_word":2416,"sentiment":"positive","sentiment_score":0.6309018731117249},{"text":"And I'll just double check-in regards to Yep. your beneficiary forms and see if that's up to date. Yes. I've got the three children there as Yes. beneficiaries on your your superannuation. Yep. Yeah.","start_word":2417,"end_word":2450,"sentiment":"neutral","sentiment_score":0.19355322420597076},{"text":"Perfect.","start_word":2451,"end_word":2451,"sentiment":"positive","sentiment_score":0.451799750328064},{"text":"Something to be mindful of is that as well as spouses will always receive money from superannuation and, like, insurance policy through super tax free because they'll always be a tax dependent as well as, like, a dependent through super law. Children Yep. are always a dependent through super law, but once they turn, like, over 18 and you're no longer sort of supporting them if they move out of home, things like that, they're no longer considered, like, dependent on you, and then they might not be considered a tax dependent. So they can still receive the funds. They'll just have to pay tax on that. Yep. Oh, Other okay. Yes. yeah. Otherwise, you can look at sort of sending it to the the estate, and you can get rid of sort of the Medicare levy taxes that might be associated with that death Yeah. benefit. Yeah. Yeah. That's alright. Or you can just leave it to your spouse and then sort of leave other things outside of that to your your children to sort of equal things out Yep. once they sort of get a bit older and things like that. Something just to be mindful of. Yeah. It's cool. Never actually knew that. Yeah. Obviously, I think the kids are still quite young. They're sort of in their early teens there, so you've still got a bit of time to think about how you might wanna structure that. And you can even have a chat with the lawyer how you might wanna structure things a little Yeah. bit as well with, like, a Yep. joint will with your partner and things like that as well. Yeah. It would not Yeah. extend. Perfect. And this one's a bit of a random one, but you're not politically exposed at all that I you don't have any sort of role in politics or any family in politics or local council, No. things like that? Yeah.","start_word":2452,"end_word":2776,"sentiment":"neutral","sentiment_score":0.0410432939689893},{"text":"Brilliant.","start_word":2777,"end_word":2777,"sentiment":"positive","sentiment_score":0.5469383597373962},{"text":"Bit of a weird one, but it's part of our anti money laundering. Yeah. No. And then you're no tax resident anywhere else but Australia at the moment? Sorry. Yeah. There's just a few ones that have updated there. And as far as goals are concerned there, I know your main goal is to just pay down your current loans there, make sure everything on the bill was finalized, get in there. Is there any Yeah. other goals that you're working towards at the moment? Yeah. I think next thing is be well, get a bigger machine. Sort of and I'm not, yeah, in and out of the truck load. Yeah. That was probably on the next that was one thing on the to do Yeah. this in the next sort of couple of years. Grow the business a little That's bit. Maybe get someone under your sort of thing as well. Just expand just right. a tiny bit. Yep. And is that sort of the main goal moving forward? You're not sort of looking at anything major in the next sort of two or three years, the next No. five years? Not at this stage. That's yeah. Probably just upgrade the truck and, yeah, bigger probably a bigger machine to a bit more weather likely that rather than sitting in the open cab.","start_word":2778,"end_word":3001,"sentiment":"neutral","sentiment_score":0.02781631425023079},{"text":"Perfect.","start_word":3002,"end_word":3002,"sentiment":"positive","sentiment_score":0.38221144676208496},{"text":"Give that to to someone else and run a second crew, something like that.","start_word":3003,"end_word":3016,"sentiment":"neutral","sentiment_score":0.2980870306491852},{"text":"You get the nice machine.","start_word":3017,"end_word":3021,"sentiment":"positive","sentiment_score":0.4829802215099334},{"text":"All all the hot dogs are sitting there. Connor. Yeah. That that'd be the way. As far as your risk profile goes, we'll just go through a few questions there and make sure that's still up to date there. So you're currently in a high growth. It's around that ninety ten sort of split. So 90% growth assets, about 10% defensive. And we'll just go through a few questions to make sure that's still up to date there for you. So in regards to most aggressive investment you've made, have you had any direct share holdings or bought any direct shares recently or No. before? Yep.","start_word":3022,"end_word":3127,"sentiment":"neutral","sentiment_score":0.07976892776787281},{"text":"That's fine.","start_word":3128,"end_word":3129,"sentiment":"positive","sentiment_score":0.3434116840362549},{"text":"And then with inflation, obviously, you know, having a younger family probably feel it a little bit more than most of the cost of living, but are you still willing to accept a moderate sort of amount of risk to outpace inflation or a higher amount of risk to Sorry. outpace I inflation? got off just a minute with the machine. No. That's fine. So in regards to, like, inflation, obviously, as that goes up, your money can sort of devalue if it's just sort of sitting in the blank the bank or you're just getting, like, the cash interest rate as opposed to, like, being invested in getting a greater return. Obviously, that caves with the level of risk. How much risk do you think you'd be willing to take to sort of grow your money? Would you say you're a bit of a moderate risk taker or a higher risk taker? Probably more on the moderate, I think. I would imagine. I I reckon. Yep. Not a problem. Yeah. And then as far as if your portfolio was to decrease, so, obviously, there's ups and downs in the market. And with, you know, what's been going on the past sort of year with Trump's tariffs, the wars, Yes. those sort of things kicking off. It's been a bit of a a bit of a down. But in saying that, how much would it have to drop before you'd be quite concerned? Like, if it dropped by 20%, would you just still hold it out and know that sort of, you know, the markets would turn around, or would you say that you'd look to maybe be a bit more secure and a bit more defensive in your investments? Or Yeah.","start_word":3130,"end_word":3421,"sentiment":"neutral","sentiment_score":-0.10307250916957857},{"text":"That's a hard one. Is it real signs if it ever crashed?","start_word":3422,"end_word":3433,"sentiment":"negative","sentiment_score":-0.35421353578567505},{"text":"Yeah. So, like, in regards to the markets, obviously, they've gone backwards a little bit this sort of last twelve months. But if it was to die sort of like COVID, would you still be comfortable putting money, like, in your superannuation for those investments to return at a later date and like having sort of conviction that they will sort of return at some point? Yeah. I think so. I have to talk to someone like you guys, I reckon, and I'll get the best advice, like, if it was because it was a bit nuts. Yeah. Yep.","start_word":3434,"end_word":3532,"sentiment":"neutral","sentiment_score":-0.05514382898355975},{"text":"Perfect.","start_word":3533,"end_word":3533,"sentiment":"positive","sentiment_score":0.4318746328353882},{"text":"And then with that, though, did that make you a bit cautious at all or sorta concerned when it did dip during COVID? Not extremely. No. Yeah. Thought it was always gonna be a lot at the end. But, yeah, this was probably was I don't know what's gonna happen with ours. Yeah. So previously, you're a little bit more optimistic about market outcomes, but obviously, if a World War three kicks off, you're a little bit more pessimistic with that one. Yeah. That's right. Yeah. No. Completely understandable. Yeah. And then with borrowed money, obviously, you've got borrowed money for, you know, like, the investment property there and your your primary residence. But would you ever put borrowed money into anything riskier like an investment portfolio? So if you had, like, a loan or redraw on your mortgage to have, like, an investment outside of superannuation, would you ever consider that? I think, like yeah. Potentially. Yeah. Like, one like I said, like you said, main thing is we get rid of that house loan. We'll get it down. And then, yeah, if we'll sit down well, yeah, I would definitely. Yeah. So, obviously, you've, like, set yourself up well with, like, the property side of things, having your primary residence there, having an investment property. The next sort of step after that, once you're sort of comfortable with your level of debt and paying down your your mortgage would be to sort of potentially look at, you know, leveraging some some debt there to Yep. either have, like, an investment portfolio and or another investment outside of superannuation to help continue to grow your wealth while you're you're working sort of thing. Yeah. Yeah. Because, obviously, the the potential upside is a lot higher with, like, using other people's money or the bank's Yep. money to be able to sort of get a return on investment versus, like, the loan repayments. Obviously, you know, the risk of that is if, like, the markets were to go down, you're still liable for that loan at the rate you sort of borrowed at as well, which Yep. is something to be mindful of. Yeah. That's But that's right. Yep.","start_word":3534,"end_word":3902,"sentiment":"neutral","sentiment_score":-0.02433832246194364},{"text":"a few years down the track yet, so that's more than fine. That does bring you out to a high growth investor, which is still in line with what they currently got you in. Are you still happy being in a high growth portfolio?","start_word":3903,"end_word":3946,"sentiment":"positive","sentiment_score":0.4622108340263366},{"text":"Yeah. Yep. Obviously, you've got the the time horizon there as well to be able to weather those dips in the market a little bit as well. Now in terms of the other documents we're gonna provide you there, so I know you completed that ongoing service agreement already, but I'll send out a notice on there. Some of this contain a tax file opt in form as a signable docket. That's just the they've Yep. updated the form on where we store your tax file number. It'll also have your your Vanguard index chart shows the sort of market that we're at thirty year period, your dividend currency for your insurances, also your twelve month performance. Now Yep. in regards to that, as I said, with everything that did occur, it has not had a great year.","start_word":3947,"end_word":4084,"sentiment":"neutral","sentiment_score":0.08350721746683121},{"text":"It only did, like, point 47% after fees, and that's largely due to the tech sector taking a bit of a dive.","start_word":4085,"end_word":4106,"sentiment":"negative","sentiment_score":-0.4001099467277527},{"text":"The the market sort of dipping with the announcement of those wars and then also a your underlying investment, the active portion, Benelon.","start_word":4107,"end_word":4129,"sentiment":"neutral","sentiment_score":-0.18622341752052307},{"text":"They had an underlying asset that was done for not reporting correctly, which caused them to have to reevaluate that stock and the fund itself to, like, basically, they've lost a a bit of funds under management due to that.","start_word":4130,"end_word":4169,"sentiment":"negative","sentiment_score":-0.5095127820968628},{"text":"Now Yep. because of that dip and then the fact that everything has occurred there, as a business, they made a decision to move away from the Bennelong, equities managed fund and look at updating those portfolios. Now Yep. given your time on board, it's probably better to have, like, a bit of a refresh totally of your portfolio because it is a little bit tech heavy, which I'm a bit concerned about there as well, given how Yep. that has sort of traveled the last year as well. So we can look at just updating that as a whole. Now the options there is we can look to have it to where you still have an active portion in that, or we can look to just go sort of fully passive. And then with that, you do pay a lower investment cost, and it just kinda tracks what the markets are doing. And you're not sort of betting on a fund manager to make the right decisions, especially with the markets Yep. at the moment, there is obviously opportunities to be able to outperform the market when the markets are topsy-turvy like this. But also Yep.","start_word":4170,"end_word":4366,"sentiment":"neutral","sentiment_score":-0.0031706299632787704},{"text":"with those many funds, it's also like that did occur as the option that it does potentially out like, perform worse than just what the markets are doing as well, if that Yeah.","start_word":4367,"end_word":4399,"sentiment":"negative","sentiment_score":-0.43824371695518494},{"text":"makes sense. Okay. Yeah. Yeah. It does. Yeah. I know. That one. Yeah. Because we can show you sort of what it looks like, and then you can sort of make a decision.","start_word":4400,"end_word":4432,"sentiment":"neutral","sentiment_score":0.182731032371521},{"text":"We can show you what the, like, if we go with a more passive approach, which is that lower cost, it will save you sort of ongoing money.","start_word":4433,"end_word":4460,"sentiment":"positive","sentiment_score":0.3756648600101471},{"text":"And given that you're not contributing sorta at the moment, Yep. it'll mean that you sort of like, fees are lower in terms of, like, the investment cost, which is, like, a guaranteed Yeah. savings even if it doesn't perform as well as, like, if you didn't have an active portal portion that did perform well, if that makes sense. Because Yeah. it's not Sounds like the a little whole port bit. yeah. Yeah. It's not like the whole portfolio would be active anyway. There would be a portion Yep. that would be passive that sorta is lower cost. The core of the portfolio with, like, either the active portion or not. What what would you what what would you recommend? It's a bit of a flip of the coin at the moment. Obviously, with the markets, like, overall, they still, like, have been tracking well over the past five years just with the indexes. So you can't really go wrong if you were just in the indexes for the past five years. And Yeah. in Well, saying I've that done it is it. oh, I've sorry. done anything in the next sort of twelve months. He's gonna settle settle down, is it? Yeah. Like, So with the walls on time. yeah. So so with that, like, as long as the the markets continue to tick along, like, they haven't Yeah.","start_word":4461,"end_word":4691,"sentiment":"neutral","sentiment_score":0.04836522716045122},{"text":"responded, like, horrifically to those, like, wars.","start_word":4692,"end_word":4698,"sentiment":"negative","sentiment_score":-0.41764533519744873},{"text":"Obviously, if it kicks off a little bit more, it may sort of take, like, a significant dive, but it's still sorta, you know, ticking along at a pace. Whereas, like, if you do a managed fund, they're obviously making those bets and, you know, Yeah. it's True. a lot harder to make the the right sort of bets when the the times like Yeah. now when things change so significantly and sort of something you can't really put on paper as to what you think is gonna Yep. happen Yep. because, Yeah. you know, no one sort of saw the the Iran and Venezuela thing coming sort of, you know, in your bingo card for the start of 2026. No. Definitely not. Yeah. Yeah. I'll probably start then Yep. with the As I log said, like what you're saying the log restart. If it's just yeah. poking along, it's better than yeah. And you'll still have the same allocation to, like, growth assets. You just won't have, like, an active fund manager trying to, like, do buyers and sales to find value in Yep. the market. It'll just track what the market themselves are Yep. Sure. I lost doing. it. Yep.","start_word":4699,"end_word":4900,"sentiment":"neutral","sentiment_score":-0.09399465139549558},{"text":"Perfect.","start_word":4901,"end_word":4901,"sentiment":"positive","sentiment_score":0.478250116109848},{"text":"That's And then with that there, that documents there for you to review just what did occur the last twelve months there will just be going to DanielMullins1@BigPond.com, if that's still correct? it. Correct. Yep.","start_word":4902,"end_word":4936,"sentiment":"neutral","sentiment_score":0.116783007979393},{"text":"Perfect. So that'll come through. So feel free to review that and come back with any questions you may have.","start_word":4937,"end_word":4956,"sentiment":"positive","sentiment_score":0.4194558560848236},{"text":"Now the other thing I want to have a quick chat about is that you've got the the life and TPD portion. With your insurances, you don't currently hold any income protection or, like, trauma insurance. Now Oh, given I have that you got I have got income protection. I had to do that to get have through business. to, like, a business in town. So I that that was Yep. Is it like a key person's business insurance, one or is it like an actual income of protection policy? their requirements. I think it's a proper policy. Yeah. And I think Okay. I'm locked in to it to 2047 for memory. Like, I can opt out what I want, but so yeah. It's That's it's how long for it me will to last get through any to? work with this company or I have to be in one. Yep. And are your insurances something that you wanna review? Because, obviously, at the moment, your death and total parent dispute at the moment, they cover, you know, for about, like, a bit over half of, like, your current mortgage debt. Yep. Okay. And you don't like, obviously, you have the income protection policy with us or the trauma insurance, which is, like, an outside No. super insurance in the event that What? anything needs to happen, but, like, strokes, heart attacks, things like that. Yep. Is this something you wanna look at reviewing and going through the pre assessment process to be out of sort of review those insurances, giving you a new level of debt? Or I'll probably I don't even know when I'm talking anytime soon. yeah. Obviously, it, like, it comes down to, like, what you're comfortable with. Obviously, if your partner is still working as well and she's able to cover, like, her half of the debt, if, like, were to go wrong, it just means that worst case Yes. scenario, if something did happen to you and you're unable to work and you are totally permanently disabled, you would be Yes. able to pay off about half the mortgage. But when it comes to anything far that, you'd probably have to look at either, you know, relying on your investment property income, government assistance programs that you're eligible for, things like that as well. Yeah. If What you could would would that be a higher premium if if I did up that rate? Obviously, yeah. it would That be. yeah. If you increase the sum insured, obviously, it does go up. At the moment, you're only paying around 1,100 per annum in terms Yep. of, like, insurance cost, so it's not very high. You could look to either increase, you know, the the benefit amount for life and TPD or look at, you know, doing a lump sort of together with an IP policy and just having it all in one spot or looking at, you know, the outside trauma insurance as well. But if you're comfortable with the level of amount that you do have currently, it's not to say that it's bad by any means. It just means you'd have to work towards being a little bit more self insured, which Yeah. is where savings comes into it, building up your equity within the property, things like that as well. Yeah. I got. Because all yeah. All insurance is at the end of the day is, like, risk mitigation. There's no, like, sort of guarantee you're ever gonna claim on it. So some people do prefer to work towards being a little bit more self insured and not having to pay as high premium and just having a little bit of it. Some people like to cover fully if anything was to go wrong and then sort of not self insure as much at the end of the day Yep. as well. Yeah. Well, I think yeah. I'll probably just leave it where it is, but the current time. Yep. No. Completely understandable. If you're you're happy with that and you're happy with the level of covers that you have, if you could email through the the IP policy just so we could have it on Yep. file as something we have, and then we might get them to send out a third party authority just to get a bit of information on that one just so we've got it for our reference as well Yeah. if Okay. anything does happen. But I'll what was that? Sorry. Just cut out just a little bit. Yeah. Perfect. Do you have one of our emails there, like info at Oakview Financial already? And, yeah, I'll I'll get the it'll be just the same as what the newsletter and everything. I'm not too sure if it does come through as the same one as the newsletter, but it is just info at Yes. Oakview Yes. Financial dot com dot a u. Yeah. Okay.","start_word":4957,"end_word":5783,"sentiment":"neutral","sentiment_score":0.003661779274639224},{"text":"Brilliant. If you just send that one through, that'd be great.","start_word":5784,"end_word":5794,"sentiment":"positive","sentiment_score":0.5101328492164612},{"text":"So we're Okay. gonna review that. And then in the back end there, we'll just look at doing the research on that, look at getting that updated there for you in terms of the investment review. But is there any anything else that you wanted particular advice on anything else you wanted to review at the moment? Like, obviously, I know you're speaking to an account and maybe have a chat with a a mortgage broker down the track, but if you reach out. But is there anything that you want specifically addressed or reviewed at this time? Like or pretty Not really. Yeah. It's just both of us to just knock on down sort of thing. Yeah. yeah. That's not a problem But at all. as Obviously I say, is that because my wife's with you guys as well, so I have no doubt easily talking to her in the next couple of days or weeks. yeah. I think when would So that be coming up? I'd have to check when her annual review would be be and coming normally, up there as she's Monday because she's she's in the office on a Monday. But she does all the accounts Monday. okay. So yeah. So I'd say probably like to do some yeah. Monday or the next fortnight or so. Yep. Right. Well, yeah, I'll see where that's at with that as well. In regards to that and, yeah, you do have that 1.1% coupling fee, which is still active.","start_word":5795,"end_word":6045,"sentiment":"neutral","sentiment_score":0.1319545111451966},{"text":"So that's good as well in terms of, like, your ongoing fees, which is good. Okay. Perfect. I'll see with the team and touch base when she's sort of due for annual review and when that's coming up there as well.","start_word":6046,"end_word":6086,"sentiment":"positive","sentiment_score":0.4818097054958343},{"text":"Yep. And then, yeah, even if she wants to have a chat about sort of the the mortgage broker or anything like that and doing that review, then that's more than Yeah. fine It as was well. that's definitely something to look into. Yeah. Even if it's like, you know, you don't know unless you sort of have a look at it. And mortgage brokers are generally paid through the institution, so it doesn't really cost you to to check. Yep. And then with that, you might be getting a better rate sort of thing as well. Yeah. For sure.","start_word":6087,"end_word":6186,"sentiment":"neutral","sentiment_score":0.14251607656478882},{"text":"Perfect.","start_word":6187,"end_word":6187,"sentiment":"positive","sentiment_score":0.38792145252227783},{"text":"But any questions for me there, Danny, while you've got me in regards to anything? I'm not right now. Not a problem at all. Well, I'll let you get back to your day. Obviously, we'll be in touch once they sort of get everything together, get the research together, and get that document together for you in terms of that update Yep. and getting that together for you. And then we'll have book in, have a chat, and see what you you think about it. And if you do wanna make some changes from that as well, feel free to sort of vase any concerns you may have in regards to it because, obviously, at the end of the day, it's your money, so you can have a say if you wanna go ahead with it or not. Okay.","start_word":6188,"end_word":6326,"sentiment":"neutral","sentiment_score":0.2128142589073387},{"text":"Not a problem, Daniel. Well, enjoy the rest of your day. Take it easy.","start_word":6327,"end_word":6340,"sentiment":"positive","sentiment_score":0.6650853753089905},{"text":"Don't work too hard out there. No. I'm probably sitting there. Go ahead and tell him what billing to Brilliant. Alright, mate. I'll talk soon. alright.","start_word":6341,"end_word":6366,"sentiment":"neutral","sentiment_score":0.02581179328262806},{"text":"Catch Thanks you later.","start_word":6367,"end_word":6370,"sentiment":"positive","sentiment_score":0.48377934098243713},{"text":"a Bye. lot. Alright, guys. Bye bye.","start_word":6371,"end_word":6377,"sentiment":"neutral","sentiment_score":0.19707979261875153}],"average":{"sentiment":"neutral","sentiment_score":0.02933860023950762}}}}