{"metadata":{"transaction_key":"deprecated","request_id":"06423d81-48a6-4ca9-9e3b-9a65f800b82d","sha256":"9f2bc1785cab12a21f39945e7a04733ee53839f8f498c5aa8055e205b8fe8a1b","created":"2026-03-25T06:22:20.483Z","duration":1011.67194,"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":3369,"output_tokens":111},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3650,"output_tokens":3658},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3650,"output_tokens":342}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Pippa. This is Veronica from ICU Financial. How are you this afternoon? I'm good. Thanks. I just had you booked in for a pretty quick catch up, really, just to go through the recommendation after the reset after last catch up. Is now still a good time for you? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address to me, please? Yep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy? Oh, yeah. Oh, yeah. That's good. Now I won't keep you for too long, but I have just sent you an email with the SOA to go through quickly. Do you have access to your emails at the moment? Yep. Okay. Perfect. Just let me know. Yep. Yes. Can you hear me? You can hear me okay? Yes. I can hear you. Can you hear me okay? Yeah. No. That's okay. Just let me know if that one comes through. Sometimes it doesn't up in the spam folder. Great. Now if you can just click on the link for me, it will then allow you to open up the document. And yes. Please. Because it will let you view it first. And then you should see a cover page where it says statement of advice. Can you see that okay? Yep. Perfect. So it is pretty straightforward. Today, from our last conversation, just kind of focusing on reviewing your super investments to see if we want to swap out some of those through other ones that's going to do a little bit better today. So it is pretty straightforward. It is still quite a long document. A lot of it is for no. A lot of it is for compliance to make sure you understand everything because you kind of have gone through this a little bit already. I will kind of skip through some of it and just kind of touch on the most important, and then I'll let you have a read over it in your own time. But any questions, just let me know. Perfect. Now you will see, obviously, on the cover page that this has been tailored just to you. Now you will see my authorized representative number listed on the on the cover page there, and I am licensed under Oku Financial. Now on the second page, you will see the best interest you to outline, which obviously just says that we have to act in your best interest at all time. The advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yeah. Perfect. Now as you scroll through table of contents, pretty self explanatory, you will then see two pages or three pages actually just talking about both of the device. Now, essentially, that is just the areas we are focusing on today. So simply today, what we are looking at is your superannuation just to make sure we can make sure it grows as much as possible so that you can retire comfortably. Other things we're not considering, not making any changes to your insurances. You're quite happy with your IP policy and not really making any recommendations on debt or saving for travel. If it is something you do need assistance, leave down the track. Always just let us know, and we can always consider it then. Yep. Perfect. Now as you scroll through, sorry, seven and eight, just some personal information about you. If you could just have a quick read over that for me just to make sure that's all up to date or if I need to make any changes in the back end. All looks pretty good. Great. Which then takes us to page nine, which just shows you your current superannuation. So you have your super in net worth. You have approximately 264,359, and then you do have your Neos income protection listed under there as well. Yep. Perfect. Now on the next two pages, I'll let you have a read over that in your own time. If you just highlight that risk profile, So do you remember last time kind of talking about, you know, fluctuations and, you know, how much risk you are comfortable taking in your superannuation? Do you remember that? Yes. Perfect. Now you did come out as a high growth investor. You were quite comfortable with it, so not making any changes at all in regards through that. Just literally swapping and changing some of the investments for you. Now if you wanna scroll to page 12 for me, it's basically yep. So this basically outlines the recommendation. So I did do a lot of research on your Netwealth as well just to see if there were other options out there that was going to be quite competitive to Netwealth just to make sure we do have you in the best option. And Netwealth still very much is a very good option for you. That was another one I did consider. It was slightly cheaper in administration fees, similar with investment choices. But because your investments have grown quite a lot, which is great, by making the switch through a new option, you would have to sell down all your investments, which will trigger a capital gains tax of 6,966. And the minimal changes in Admisie just wasn't worth you paying almost 7,000 in tax. Does that make sense? Yes. Perfect. Now this basically puts all of that in words for you. It will outline the advantages in regards to the recommendations. So keeping you in net worth by changing some of the investments. What those changes are, I'll go over with you shortly. You will have some disadvantages and some risks associated as well. So one of the risk is that there's always a level of risk associated with any investment option. That all makes sense so far? Yes. Perfect. So what I'll actually get you to do first, if you wanna scroll down to page 17 for me, it should say the comparison table. 17. And it's like a table with some numbers. Perfect. This often yeah, now this often makes it a bit easier to see, which is kind of all the words that I talked about earlier. But, essentially, you can see here your current situation. So you can see your current net worth, what you are paying for in that fees. You can then also see your five year rolling average on your current portfolio. So what I have recommended, you can see on the other side, staying within net wealth, but changing some of those investments. And you can actually see that by swapping the investments even though we are keeping you in a high growth portfolio, it's saving you $1,185 a year in investment fees alone, which is pretty big. Yes. Now at the top where it says the difference of the balance of 439, that is the approximate capital gains tax. So by switching some of the investments, there will be some tax within superannuation, and we've managed to get it down to about 439, which isn't that much given the investment fee changes alone that you will save. Yep. Now you can also see using the same five year rolling average period on the new recommended portfolio. You can see that it has, you know, historically performed quite a bit better, which is great. Do you have any questions so far? Yes. Yes. Perfect. Now if you scroll down one more page to page 18, it kind of shows you this projected five and ten years so that you can see. Assuming, obviously, kind of contributions, insurances, and stuff stays the same, it will then show you, you know, that it does make quite a big difference by changing some of those investments around for you. And underneath that, you can also see the investment return. So you can see the twelve month, three, and five, outlined. So, again, the new recommended investments have performed better, which is correct. But we do wanna look at changing those for you. Now, Pippa, if you can scroll back up for me to page 15. Yeah. Perfect. Now this outlines the changes in the investment. So this one can look a bit messy. Essentially, the reds are the ones we are selling. So we are selling some of those investments. Now you can see that we are still even though it says minus 737 in gold, we are still keeping gold at 7%, just rebalancing it. So those are basically just a change in the value. We are completely selling out of the iShares miscue, which is the one, two, three, four down. We are also completely selling out of that Benelon Australian equity. That was the one I kind of spoke a little bit about last time that recently has underperformed, so we do wanna swap that one out for you. And, again, Japan, we are keeping that in the portfolio because it's done pretty good, just rebalancing it again for you. So those are kind of the the changes, and then the bottom three is what we are then introducing instead. So instead of the Benelon, we have changed it to the beta shares Australia 200 because we do still wanna give you the Australian equity exposure. So if we take away the Australian equity, we wanna make sure we replace it with another option to make sure that overall your portfolio is well diversified across the globe as well. So the BetaShares Australia, 200 at 25%, Basically, just invests in the 200 largest companies listed on the ASX. So in Australia and you'll have all the big companies like, you know, Commonwealth and BHP and Woolworths, for example. So it is kind of all those big companies there. And then instead of the whiskey world, so kind of a similar one, we have swapped this for the Vanguard all worlds. You may have heard of Vanguard. They are quite big before, but, essentially, that one is at 8%. But sorry. You basically invest in around the globe, but it's excluding The US because we already have that US exposure in the ISF S and P 540. So we don't wanna obviously overdo one area as well. We wanna make sure it is well rounded. So so, overall, there's no big changes. There's just a couple of those investments that we have changed out simply to try and improve the returns and reduce the fees a little bit for you so that when you do retire, it'll put in a little bit better position. Yep. Now in the appendix, which is if you go back out later, I don't have to do it now, you will see a couple of attachments. So you'll have a appendix and some supporting documents. That is basically some research for you if you do wanna read up on it. And in the appendix, there are actually investment links to all of these investments. So if it is that you want to go and have a read over this in a bit more detail as well, you're more than welcome to do so. Yep. Perfect. Now on the next page, you will then see the asset allocation table. You're gonna have a little pie chart as well. Can you see that? Yep. Perfect. So you can see here the the second column where it says the risk profile is that ninety ten split, 90 growth, 10 defensive. You have the existing portfolio and then the proposed. And you can see that both existing and the proposed are quite similar in regards through that risk allocation for you. Any questions so far? No. Yeah. Mhmm. Perfect. Which almost takes us through the end, actually. And if you then wanna scroll through page 21 for me, I just wanna highlight the remuneration for you once more just to be sure. Yes. So, obviously, if you are happy to go ahead with this change when you've had a time to have a read over it, there is no additional fees or charges at all to make the change. It is simply just that usual 1.65 ongoing device fee. It's all part of the service. Obviously, all the research and everything is all part of that. So if it is that you do wanna go ahead, no additional fees or charges at all. Yep. Now we have this listed underneath that as well, the insurances. So we do get commissions from the insurer, which is 23% of the premium ongoing, but that is me of paying us. It is not you paying us But for compliance purposes and to make sure that you are fully informed of everything, we do have to disclose it so you are aware. But, again, it is not you paying that amount. It is the insurer paying us. Any questions? No. Yeah. Perfect. Which essentially just summarizes everything at the end. So it talks about authority to proceed. That is if you are happy to go ahead. Basically, we are keeping your net wealth and not making any changes there. Literally just swapping some of those investments for you. And by going ahead when you've had a time to have a read over it, if you do read over it and you have a couple of more questions, just give me a call or we can always go through it. If you go through it and you don't have any questions and you are happy to to go ahead, then from here would be for you to just sign the document digitally. I will then get notified, and then I can let the team know to go ahead with the change, essentially. Yeah. That was essentially everything I had to run through with you today. So pretty straightforward, but do you have any questions for me otherwise at this point? Yep. Yes. That is perfectly fine. Take your time to have a read over it. Like I said, you can always give me a call or even just send send us an email if there's any questions, and we can always go through anything that way as well. Perfect. Well, thank you so much for your time this afternoon, and I will let you get back to you afternoon. And like I said, any questions, don't hesitate to give me a call. Mhmm. No no problem at all. We'll speak soon. Okay. Bye.","confidence":0.9985184,"words":[{"word":"good","start":2.8799999,"end":3.1999998,"confidence":0.9978052,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.4362232089042664},{"word":"afternoon","start":3.1999998,"end":3.6799998,"confidence":0.99896556,"punctuated_word":"afternoon,","sentiment":"positive","sentiment_score":0.4576742649078369},{"word":"pippa","start":3.6799998,"end":4.0,"confidence":0.9535875,"punctuated_word":"Pippa.","sentiment":"positive","sentiment_score":0.45020592212677},{"word":"this","start":4.0,"end":4.16,"confidence":0.99994123,"punctuated_word":"This","sentiment":"positive","sentiment_score":0.4270388185977936},{"word":"is","start":4.16,"end":4.4,"confidence":0.96629894,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.268966406583786},{"word":"veronica","start":4.4,"end":4.9,"confidence":0.9788492,"punctuated_word":"Veronica","sentiment":"neutral","sentiment_score":0.31720632314682007},{"word":"from","start":5.04,"end":5.3599997,"confidence":0.9991036,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.3143395781517029},{"word":"icu","start":5.3599997,"end":5.7599998,"confidence":0.79371226,"punctuated_word":"ICU","sentiment":"neutral","sentiment_score":0.27125492691993713},{"word":"financial","start":5.7599998,"end":6.2599998,"confidence":0.98562044,"punctuated_word":"Financial.","sentiment":"positive","sentiment_score":0.3404158353805542},{"word":"how","start":6.48,"end":6.56,"confidence":0.99990034,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.3160666525363922},{"word":"are","start":6.56,"end":6.72,"confidence":0.9999608,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.31316888332366943},{"word":"you","start":6.72,"end":6.96,"confidence":0.99998105,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34604412317276},{"word":"this","start":6.96,"end":7.2,"confidence":0.99997306,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3494859039783478},{"word":"afternoon","start":7.2,"end":7.7,"confidence":0.9999386,"punctuated_word":"afternoon?","sentiment":"neutral","sentiment_score":0.30657243728637695},{"word":"i'm","start":9.679999,"end":10.0,"confidence":0.789412,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5192002654075623},{"word":"good","start":10.0,"end":10.5,"confidence":0.9978378,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5766159296035767},{"word":"thanks","start":10.559999,"end":11.059999,"confidence":0.9979919,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.641715407371521},{"word":"i","start":12.305,"end":12.385,"confidence":0.987608,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4200362861156464},{"word":"just","start":12.385,"end":12.625,"confidence":0.9311459,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4077526330947876},{"word":"had","start":12.625,"end":12.705,"confidence":0.9778651,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.4159168004989624},{"word":"you","start":12.705,"end":12.945001,"confidence":0.9989784,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34583982825279236},{"word":"booked","start":12.945001,"end":13.185,"confidence":0.9998337,"punctuated_word":"booked","sentiment":"positive","sentiment_score":0.335507869720459},{"word":"in","start":13.185,"end":13.585,"confidence":0.99974126,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3765096962451935},{"word":"for","start":13.585,"end":13.905001,"confidence":0.99968314,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.31326326727867126},{"word":"a","start":13.905001,"end":14.065001,"confidence":0.99983704,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.33626967668533325},{"word":"pretty","start":14.065001,"end":14.385,"confidence":0.999729,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.3228192925453186},{"word":"quick","start":14.385,"end":14.705,"confidence":0.9997831,"punctuated_word":"quick","sentiment":"positive","sentiment_score":0.4207772314548493},{"word":"catch","start":14.705,"end":14.945001,"confidence":0.99553514,"punctuated_word":"catch","sentiment":"positive","sentiment_score":0.3739450871944427},{"word":"up","start":14.945001,"end":15.265,"confidence":0.7892625,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.29836106300354004},{"word":"really","start":15.265,"end":15.585,"confidence":0.98128736,"punctuated_word":"really,","sentiment":"neutral","sentiment_score":0.30911195278167725},{"word":"just","start":15.585,"end":15.825001,"confidence":0.9997503,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3445315361022949},{"word":"to","start":15.825001,"end":15.985001,"confidence":0.99970007,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31726858019828796},{"word":"go","start":15.985001,"end":16.145,"confidence":0.9998202,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.30745959281921387},{"word":"through","start":16.145,"end":16.625,"confidence":0.9998524,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3585953712463379},{"word":"the","start":16.625,"end":16.865,"confidence":0.85528404,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34607070684432983},{"word":"recommendation","start":16.865,"end":17.365,"confidence":0.9990368,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.28958630561828613},{"word":"after","start":17.905,"end":18.225,"confidence":0.99787354,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.2654566764831543},{"word":"the","start":18.225,"end":18.545,"confidence":0.9965132,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26047417521476746},{"word":"reset","start":18.545,"end":19.025,"confidence":0.7498562,"punctuated_word":"reset","sentiment":"neutral","sentiment_score":0.31807225942611694},{"word":"after","start":19.025,"end":19.265,"confidence":0.40669551,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.1935248821973801},{"word":"last","start":19.265,"end":19.765,"confidence":0.392627,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1684681624174118},{"word":"catch","start":19.825,"end":20.145,"confidence":0.98876303,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.25418782234191895},{"word":"up","start":20.145,"end":20.645,"confidence":0.99852335,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.21849866211414337},{"word":"is","start":21.185001,"end":21.505001,"confidence":0.99744713,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.2958652377128601},{"word":"now","start":21.505001,"end":21.825,"confidence":0.99933857,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.2790153920650482},{"word":"still","start":21.825,"end":21.985,"confidence":0.99770135,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.27219465374946594},{"word":"a","start":21.985,"end":22.145,"confidence":0.99982184,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3637503385543823},{"word":"good","start":22.145,"end":22.305,"confidence":0.99998677,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3376888036727905},{"word":"time","start":22.305,"end":22.545,"confidence":0.99993026,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.39569130539894104},{"word":"for","start":22.545,"end":22.705,"confidence":0.99945456,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.33778491616249084},{"word":"you","start":22.705,"end":23.205,"confidence":0.9999618,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.2944413423538208},{"word":"yeah","start":23.744999,"end":24.24,"confidence":0.8873099,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1801582872867584},{"word":"perfect","start":25.279999,"end":25.779999,"confidence":0.99990565,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.32770979404449463},{"word":"now","start":26.08,"end":26.32,"confidence":0.94800854,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.11347312480211258},{"word":"just","start":26.32,"end":26.56,"confidence":0.99559766,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06896510720252991},{"word":"before","start":26.56,"end":26.8,"confidence":0.9999454,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.06120450794696808},{"word":"i","start":26.8,"end":26.96,"confidence":0.99997866,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1078093945980072},{"word":"do","start":26.96,"end":27.2,"confidence":0.99995184,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09148148447275162},{"word":"go","start":27.2,"end":27.36,"confidence":0.9999049,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.08193723857402802},{"word":"any","start":27.36,"end":27.6,"confidence":0.99983716,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.051666371524333954},{"word":"further","start":27.6,"end":28.0,"confidence":0.99933517,"punctuated_word":"further,","sentiment":"neutral","sentiment_score":0.04727735370397568},{"word":"i","start":28.0,"end":28.08,"confidence":0.9999044,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0778617411851883},{"word":"just","start":28.08,"end":28.32,"confidence":0.9997526,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09497487545013428},{"word":"need","start":28.32,"end":28.56,"confidence":0.9992593,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.08628366142511368},{"word":"to","start":28.56,"end":28.8,"confidence":0.99867046,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08473727852106094},{"word":"let","start":28.8,"end":29.039999,"confidence":0.9997161,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.08412262052297592},{"word":"you","start":29.039999,"end":29.2,"confidence":0.99920577,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07913518697023392},{"word":"know","start":29.2,"end":29.36,"confidence":0.9998634,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.07355082035064697},{"word":"that","start":29.36,"end":29.599998,"confidence":0.9991436,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07211415469646454},{"word":"our","start":29.599998,"end":29.76,"confidence":0.9988722,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.04773298650979996},{"word":"calls","start":29.76,"end":30.16,"confidence":0.9995981,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.06471452116966248},{"word":"are","start":30.16,"end":30.32,"confidence":0.9998211,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06302451342344284},{"word":"being","start":30.32,"end":30.64,"confidence":0.9999162,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.06185689568519592},{"word":"recorded","start":30.64,"end":31.039999,"confidence":0.9999424,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":0.05588279664516449},{"word":"for","start":31.039999,"end":31.2,"confidence":0.999881,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04385647550225258},{"word":"quality","start":31.2,"end":31.599998,"confidence":0.9999484,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.059258121997118},{"word":"and","start":31.599998,"end":31.76,"confidence":0.99874866,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0634850487112999},{"word":"coaching","start":31.76,"end":32.16,"confidence":0.99963844,"punctuated_word":"coaching","sentiment":"neutral","sentiment_score":0.08995619416236877},{"word":"purposes","start":32.16,"end":32.559998,"confidence":0.8339946,"punctuated_word":"purposes,","sentiment":"neutral","sentiment_score":0.0722021758556366},{"word":"if","start":32.559998,"end":32.72,"confidence":0.9981969,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10287609696388245},{"word":"that's","start":32.72,"end":33.04,"confidence":0.99995375,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.07306359708309174},{"word":"okay","start":33.04,"end":33.54,"confidence":0.7677901,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.08185099810361862},{"word":"perfect","start":34.96,"end":35.46,"confidence":0.9534903,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.18548913300037384},{"word":"and","start":35.6,"end":35.84,"confidence":0.99943656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07735420763492584},{"word":"just","start":35.84,"end":36.08,"confidence":0.9998307,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06679195165634155},{"word":"to","start":36.08,"end":36.239998,"confidence":0.99973017,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.059727780520915985},{"word":"confirm","start":36.239998,"end":36.72,"confidence":0.9999769,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.11197251081466676},{"word":"i","start":36.72,"end":36.8,"confidence":0.92965037,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07334978878498077},{"word":"am","start":36.8,"end":37.275,"confidence":0.9999256,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.07972713559865952},{"word":"speaking","start":37.355003,"end":37.755,"confidence":0.9997004,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":0.06023021787405014},{"word":"with","start":37.755,"end":38.075,"confidence":0.9999312,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.048400189727544785},{"word":"the","start":38.075,"end":38.315002,"confidence":0.999783,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0739239901304245},{"word":"right","start":38.315002,"end":38.715,"confidence":0.9997254,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.09509193152189256},{"word":"person","start":38.715,"end":39.215,"confidence":0.99529934,"punctuated_word":"person,","sentiment":"neutral","sentiment_score":0.09431606531143188},{"word":"could","start":39.275,"end":39.435,"confidence":0.9994024,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.09714552760124208},{"word":"you","start":39.435,"end":39.595,"confidence":0.9999113,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09559208154678343},{"word":"just","start":39.595,"end":39.835003,"confidence":0.99987113,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08834869414567947},{"word":"confirm","start":39.835003,"end":40.315002,"confidence":0.9993717,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.06982140243053436},{"word":"your","start":40.315002,"end":40.555,"confidence":0.9994874,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06327754259109497},{"word":"full","start":40.555,"end":40.795002,"confidence":0.99994767,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.08783075213432312},{"word":"name","start":40.795002,"end":41.195,"confidence":0.99620897,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.06340507417917252},{"word":"date","start":41.195,"end":41.435,"confidence":0.99838984,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.10166913270950316},{"word":"of","start":41.435,"end":41.595,"confidence":0.9974591,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07883387804031372},{"word":"birth","start":41.595,"end":41.915,"confidence":0.99291027,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.09454801678657532},{"word":"and","start":41.915,"end":42.155003,"confidence":0.9998221,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08800889551639557},{"word":"address","start":42.155003,"end":42.555,"confidence":0.9994924,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.07696615904569626},{"word":"to","start":42.555,"end":42.635002,"confidence":0.5407203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09946294128894806},{"word":"me","start":42.635002,"end":42.955,"confidence":0.9994856,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.08494789898395538},{"word":"please","start":42.955,"end":43.455,"confidence":0.9960743,"punctuated_word":"please?","sentiment":"neutral","sentiment_score":0.09760811179876328},{"word":"yep","start":50.57,"end":51.07,"confidence":0.70282614,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14808793365955353},{"word":"perfect","start":51.13,"end":51.530003,"confidence":0.95210546,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.379685640335083},{"word":"that's","start":51.530003,"end":51.850002,"confidence":0.99926496,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.39301663637161255},{"word":"exactly","start":51.850002,"end":52.25,"confidence":0.9994943,"punctuated_word":"exactly","sentiment":"positive","sentiment_score":0.5034216046333313},{"word":"what","start":52.25,"end":52.49,"confidence":0.99985147,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.5019246339797974},{"word":"i","start":52.49,"end":52.57,"confidence":0.99990153,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4897119402885437},{"word":"have","start":52.57,"end":52.73,"confidence":0.99994385,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4904625415802002},{"word":"here","start":52.73,"end":53.23,"confidence":0.996104,"punctuated_word":"here.","sentiment":"positive","sentiment_score":0.4683132767677307},{"word":"and","start":53.29,"end":53.61,"confidence":0.998223,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.18415741622447968},{"word":"how's","start":53.61,"end":53.93,"confidence":0.94469607,"punctuated_word":"how's","sentiment":"neutral","sentiment_score":0.13229015469551086},{"word":"your","start":53.93,"end":54.170002,"confidence":0.9979855,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11317186802625656},{"word":"day","start":54.170002,"end":54.41,"confidence":0.9998518,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.1569833904504776},{"word":"been","start":54.41,"end":54.57,"confidence":0.9978929,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.11624549329280852},{"word":"so","start":54.57,"end":54.81,"confidence":0.9994735,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08546345680952072},{"word":"far","start":54.81,"end":55.13,"confidence":0.9949782,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.10448014736175536},{"word":"been","start":55.13,"end":55.370003,"confidence":0.97420055,"punctuated_word":"Been","sentiment":"neutral","sentiment_score":-0.022583281621336937},{"word":"busy","start":55.370003,"end":55.870003,"confidence":0.9977336,"punctuated_word":"busy?","sentiment":"neutral","sentiment_score":0.04757433012127876},{"word":"oh","start":59.53,"end":59.77,"confidence":0.91891515,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.08456829935312271},{"word":"yeah","start":59.77,"end":60.27,"confidence":0.9891851,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07796351611614227},{"word":"oh","start":61.21,"end":61.45,"confidence":0.97060084,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.12240053713321686},{"word":"yeah","start":61.45,"end":61.93,"confidence":0.9941969,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.18317896127700808},{"word":"that's","start":61.93,"end":62.295,"confidence":0.97116065,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.37939536571502686},{"word":"good","start":62.454998,"end":62.954998,"confidence":0.9334724,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3721256256103515},{"word":"now","start":63.414997,"end":63.914997,"confidence":0.49300823,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.20198452472686768},{"word":"i","start":64.134995,"end":64.295,"confidence":0.98125917,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13481158018112183},{"word":"won't","start":64.295,"end":64.615,"confidence":0.99281275,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.07953678071498871},{"word":"keep","start":64.615,"end":64.935,"confidence":0.99911803,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.018935427069664},{"word":"you","start":64.935,"end":65.095,"confidence":0.9994487,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04420458525419235},{"word":"for","start":65.095,"end":65.494995,"confidence":0.9977931,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0013570263981819153},{"word":"too","start":65.494995,"end":65.735,"confidence":0.99964416,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.006685800850391388},{"word":"long","start":65.735,"end":66.134995,"confidence":0.9909253,"punctuated_word":"long,","sentiment":"neutral","sentiment_score":0.04745006561279297},{"word":"but","start":66.134995,"end":66.375,"confidence":0.9997924,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06667855381965637},{"word":"i","start":66.375,"end":66.534996,"confidence":0.999892,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1245298981666565},{"word":"have","start":66.534996,"end":66.775,"confidence":0.99954575,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12607203423976898},{"word":"just","start":66.775,"end":66.935,"confidence":0.8203704,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1491868495941162},{"word":"sent","start":66.935,"end":67.174995,"confidence":0.98712033,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.1295442432165146},{"word":"you","start":67.174995,"end":67.415,"confidence":0.99960726,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14182046055793762},{"word":"an","start":67.415,"end":67.655,"confidence":0.999887,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.114796444773674},{"word":"email","start":67.655,"end":68.155,"confidence":0.9998859,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.11370804905891418},{"word":"with","start":69.015,"end":69.515,"confidence":0.94023097,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17820045351982117},{"word":"the","start":69.895,"end":70.055,"confidence":0.9998159,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19077493250370023},{"word":"soa","start":70.055,"end":70.534996,"confidence":0.9854176,"punctuated_word":"SOA","sentiment":"neutral","sentiment_score":0.13681459426879883},{"word":"to","start":70.534996,"end":70.695,"confidence":0.9982639,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15361887216567993},{"word":"go","start":70.695,"end":70.935,"confidence":0.9995789,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1719435602426529},{"word":"through","start":70.935,"end":71.095,"confidence":0.99954057,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.18548744916915896},{"word":"quickly","start":71.095,"end":71.595,"confidence":0.99662554,"punctuated_word":"quickly.","sentiment":"neutral","sentiment_score":0.14258749783039093},{"word":"do","start":72.055,"end":72.215,"confidence":0.99179924,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.020583676174283028},{"word":"you","start":72.215,"end":72.375,"confidence":0.9999312,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025169873610138893},{"word":"have","start":72.375,"end":72.695,"confidence":0.999966,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.014956409111618996},{"word":"access","start":72.695,"end":73.015,"confidence":0.9996216,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.013754701241850851},{"word":"to","start":73.015,"end":73.095,"confidence":0.9945351,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.024981440976262093},{"word":"your","start":73.095,"end":73.255,"confidence":0.99275064,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.020718060433864594},{"word":"emails","start":73.255,"end":73.575,"confidence":0.9826431,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.02586977370083332},{"word":"at","start":73.575,"end":73.655,"confidence":0.99928766,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.009270068258047104},{"word":"the","start":73.655,"end":73.814995,"confidence":0.8819468,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03637110814452171},{"word":"moment","start":73.814995,"end":74.314995,"confidence":0.9925704,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.05050621181726456},{"word":"yep","start":77.29,"end":77.770004,"confidence":0.66349304,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.053617559373378754},{"word":"okay","start":77.770004,"end":78.090004,"confidence":0.9518672,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10257193446159364},{"word":"perfect","start":78.090004,"end":78.590004,"confidence":0.99881613,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.16170287132263184},{"word":"just","start":78.65,"end":78.89,"confidence":0.99147403,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.03607874363660813},{"word":"let","start":78.89,"end":78.97,"confidence":0.99289286,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.05035623162984848},{"word":"me","start":78.97,"end":79.29,"confidence":0.99798286,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.04135849326848984},{"word":"know","start":79.29,"end":79.79,"confidence":0.97911197,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.04209638759493828},{"word":"yep","start":80.33,"end":80.83,"confidence":0.7258987,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.017034117132425308},{"word":"yes","start":82.89,"end":83.29,"confidence":0.98375326,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.005750017240643501},{"word":"can","start":83.29,"end":83.53001,"confidence":0.9985184,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.0137187410145998},{"word":"you","start":83.53001,"end":83.61,"confidence":0.999676,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012296944856643677},{"word":"hear","start":83.61,"end":83.770004,"confidence":0.999767,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.014814160764217377},{"word":"me","start":83.770004,"end":84.270004,"confidence":0.99950755,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":-0.011802488937973976},{"word":"you","start":91.865005,"end":92.105,"confidence":0.99526536,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.024570703506469727},{"word":"can","start":92.105,"end":92.265,"confidence":0.998953,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.02346538752317429},{"word":"hear","start":92.265,"end":92.425,"confidence":0.99888104,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.025263875722885132},{"word":"me","start":92.425,"end":92.665,"confidence":0.99973315,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.021541055291891095},{"word":"okay","start":92.665,"end":93.165,"confidence":0.99754846,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":-0.013014408759772778},{"word":"yes","start":110.12,"end":110.44,"confidence":0.8647794,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0039415135979652405},{"word":"i","start":110.44,"end":110.600006,"confidence":0.9987754,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.014773322269320488},{"word":"can","start":110.600006,"end":110.76,"confidence":0.99995935,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.019609425216913223},{"word":"hear","start":110.76,"end":110.92,"confidence":0.9998363,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.02505060657858849},{"word":"you","start":110.92,"end":111.08,"confidence":0.99972785,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.011000791564583778},{"word":"can","start":111.08,"end":111.240005,"confidence":0.9998272,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.009355349466204643},{"word":"you","start":111.240005,"end":111.32,"confidence":0.9998233,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01091867871582508},{"word":"hear","start":111.32,"end":111.56,"confidence":0.9997279,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.01922760158777237},{"word":"me","start":111.56,"end":111.72,"confidence":0.9999434,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.011880652979016304},{"word":"okay","start":111.72,"end":112.22,"confidence":0.9995168,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":-0.0017686253413558006},{"word":"yeah","start":117.985,"end":118.305,"confidence":0.92826426,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03416008502244949},{"word":"no","start":118.305,"end":118.545,"confidence":0.98692006,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06626687943935394},{"word":"that's","start":118.545,"end":118.945,"confidence":0.9992496,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.04038744419813156},{"word":"okay","start":118.945,"end":119.445,"confidence":0.99974,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.026711422950029373},{"word":"just","start":120.465,"end":120.705,"confidence":0.9032511,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.031174946576356888},{"word":"let","start":120.705,"end":120.945,"confidence":0.9999199,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.003479890525341034},{"word":"me","start":120.945,"end":121.105,"confidence":0.9999169,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.0019460953772068024},{"word":"know","start":121.105,"end":121.345,"confidence":0.99991727,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.00013668090105056763},{"word":"if","start":121.345,"end":121.585,"confidence":0.9993808,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.009373191744089128},{"word":"that","start":121.585,"end":121.665,"confidence":0.99985254,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02578030154109001},{"word":"one","start":121.665,"end":121.825,"confidence":0.9769036,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.045072607696056366},{"word":"comes","start":121.825,"end":122.065,"confidence":0.7593726,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.03330443799495697},{"word":"through","start":122.065,"end":122.385,"confidence":0.9969369,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.04771372303366661},{"word":"sometimes","start":122.385,"end":122.785,"confidence":0.9965977,"punctuated_word":"Sometimes","sentiment":"neutral","sentiment_score":-0.08495597541332245},{"word":"it","start":122.785,"end":122.945,"confidence":0.8640609,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09741667658090591},{"word":"doesn't","start":122.945,"end":123.185,"confidence":0.8184812,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.0942033752799034},{"word":"up","start":123.185,"end":123.345,"confidence":0.61318004,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.0739811435341835},{"word":"in","start":123.345,"end":123.505,"confidence":0.99770963,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10263434052467346},{"word":"the","start":123.505,"end":123.665,"confidence":0.807555,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08372131735086441},{"word":"spam","start":123.665,"end":123.985,"confidence":0.99798965,"punctuated_word":"spam","sentiment":"neutral","sentiment_score":-0.06965096294879913},{"word":"folder","start":123.985,"end":124.485,"confidence":0.9983375,"punctuated_word":"folder.","sentiment":"neutral","sentiment_score":-0.0757843554019928},{"word":"great","start":125.78999,"end":126.28999,"confidence":0.9495323,"punctuated_word":"Great.","sentiment":"neutral","sentiment_score":0.1932077407836914},{"word":"now","start":126.509995,"end":126.75,"confidence":0.9860249,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0746082216501236},{"word":"if","start":126.75,"end":126.99,"confidence":0.9906595,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08270470798015594},{"word":"you","start":126.99,"end":127.149994,"confidence":0.99994314,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08659092336893082},{"word":"can","start":127.149994,"end":127.31,"confidence":0.99990046,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09819848090410233},{"word":"just","start":127.31,"end":127.71,"confidence":0.999713,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10242022573947906},{"word":"click","start":127.71,"end":127.95,"confidence":0.99991167,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.09661079198122025},{"word":"on","start":127.95,"end":128.19,"confidence":0.99971384,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1366245001554489},{"word":"the","start":128.19,"end":128.67,"confidence":0.9995468,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1177455708384514},{"word":"link","start":128.67,"end":129.17,"confidence":0.9998411,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.11529715359210968},{"word":"for","start":129.31,"end":129.47,"confidence":0.99963033,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13663016259670258},{"word":"me","start":129.47,"end":129.95,"confidence":0.9854243,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.14875373244285583},{"word":"it","start":129.95,"end":130.11,"confidence":0.9984693,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1776472181081772},{"word":"will","start":130.11,"end":130.26999,"confidence":0.9999417,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1572759747505188},{"word":"then","start":130.26999,"end":130.67,"confidence":0.9997775,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.15297578275203705},{"word":"allow","start":130.67,"end":131.06999,"confidence":0.9997285,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":0.13202784955501556},{"word":"you","start":131.06999,"end":131.47,"confidence":0.9997651,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1296737641096115},{"word":"to","start":131.47,"end":131.79,"confidence":0.9989812,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12211540341377258},{"word":"open","start":131.79,"end":132.11,"confidence":0.9997758,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.1235342025756836},{"word":"up","start":132.11,"end":132.61,"confidence":0.9997681,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1358625292778015},{"word":"the","start":132.83,"end":133.15,"confidence":0.6480026,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.106207013130188},{"word":"document","start":133.15,"end":133.65,"confidence":0.84820575,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.09158175438642502},{"word":"and","start":134.34999,"end":134.84999,"confidence":0.9864108,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.035345178097486496},{"word":"yes","start":135.39,"end":135.79,"confidence":0.7990077,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.08072136342525482},{"word":"please","start":135.79,"end":136.11,"confidence":0.951978,"punctuated_word":"Please.","sentiment":"neutral","sentiment_score":0.08864641189575195},{"word":"because","start":136.11,"end":136.43,"confidence":0.97606134,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.07383573055267334},{"word":"it","start":136.43,"end":136.59,"confidence":0.9918154,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10030148923397064},{"word":"will","start":136.59,"end":137.09,"confidence":0.99976987,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09892337769269945},{"word":"let","start":137.31,"end":137.55,"confidence":0.96143514,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.09638772159814836},{"word":"you","start":137.55,"end":137.87,"confidence":0.9997917,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06512504816055298},{"word":"view","start":137.87,"end":138.11,"confidence":0.9984199,"punctuated_word":"view","sentiment":"neutral","sentiment_score":0.08237152546644211},{"word":"it","start":138.11,"end":138.34999,"confidence":0.9711158,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08190640807151794},{"word":"first","start":138.34999,"end":138.84999,"confidence":0.9493258,"punctuated_word":"first.","sentiment":"neutral","sentiment_score":0.09126576781272888},{"word":"and","start":141.065,"end":141.30501,"confidence":0.99873203,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06412885338068008},{"word":"then","start":141.30501,"end":141.545,"confidence":0.9999404,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06283874809741974},{"word":"you","start":141.545,"end":141.785,"confidence":0.9990288,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.054230764508247375},{"word":"should","start":141.785,"end":142.185,"confidence":0.9998609,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.08304740488529205},{"word":"see","start":142.185,"end":142.685,"confidence":0.9986827,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.05916093289852142},{"word":"a","start":143.145,"end":143.38501,"confidence":0.9838165,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03829152137041092},{"word":"cover","start":143.38501,"end":143.705,"confidence":0.99758506,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.02195744216442108},{"word":"page","start":143.705,"end":144.185,"confidence":0.99940825,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.033903419971466064},{"word":"where","start":144.185,"end":144.425,"confidence":0.94739056,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.03509445860981941},{"word":"it","start":144.425,"end":144.505,"confidence":0.995765,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03478994965553284},{"word":"says","start":144.505,"end":144.905,"confidence":0.9844333,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.04792511463165283},{"word":"statement","start":144.905,"end":145.38501,"confidence":0.98655695,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.03003856912255287},{"word":"of","start":145.38501,"end":145.625,"confidence":0.9983222,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.044870730489492416},{"word":"advice","start":145.625,"end":146.02501,"confidence":0.9942515,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.03986765444278717},{"word":"can","start":146.02501,"end":146.265,"confidence":0.9992742,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.042110420763492584},{"word":"you","start":146.265,"end":146.345,"confidence":0.9998456,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02765731140971184},{"word":"see","start":146.345,"end":146.505,"confidence":0.95934886,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.03398773446679115},{"word":"that","start":146.505,"end":146.745,"confidence":0.99996793,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04528681933879852},{"word":"okay","start":146.745,"end":147.245,"confidence":0.9985752,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.05277034267783165},{"word":"yep","start":148.425,"end":148.925,"confidence":0.88602805,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.30831509828567505},{"word":"perfect","start":149.065,"end":149.565,"confidence":0.9987565,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.7324734926223755},{"word":"so","start":150.505,"end":150.745,"confidence":0.9810534,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5746140480041504},{"word":"it","start":150.745,"end":150.985,"confidence":0.99861443,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5991718173027039},{"word":"is","start":150.985,"end":151.38501,"confidence":0.9992551,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6080196499824524},{"word":"pretty","start":151.38501,"end":151.705,"confidence":0.99983335,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6510717272758484},{"word":"straightforward","start":151.705,"end":152.205,"confidence":0.8457644,"punctuated_word":"straightforward.","sentiment":"positive","sentiment_score":0.5796091556549072},{"word":"today","start":152.585,"end":153.085,"confidence":0.7977061,"punctuated_word":"Today,","sentiment":"neutral","sentiment_score":0.25235646963119507},{"word":"from","start":153.75,"end":153.87,"confidence":0.9993298,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1759389191865921},{"word":"our","start":153.87,"end":153.98999,"confidence":0.53654194,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.14004108309745789},{"word":"last","start":153.98999,"end":154.47,"confidence":0.9994361,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1040017232298851},{"word":"conversation","start":154.47,"end":154.97,"confidence":0.7231918,"punctuated_word":"conversation,","sentiment":"neutral","sentiment_score":0.16347965598106384},{"word":"just","start":155.11,"end":155.26999,"confidence":0.9992405,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1867658644914627},{"word":"kind","start":155.26999,"end":155.43,"confidence":0.6101601,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.15602247416973114},{"word":"of","start":155.43,"end":155.59,"confidence":0.99813014,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1725062131881714},{"word":"focusing","start":155.59,"end":156.09,"confidence":0.9997688,"punctuated_word":"focusing","sentiment":"neutral","sentiment_score":0.14078110456466675},{"word":"on","start":156.15,"end":156.47,"confidence":0.9997154,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.21022598445415497},{"word":"reviewing","start":156.47,"end":156.97,"confidence":0.9985727,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.20450451970100403},{"word":"your","start":157.11,"end":157.43,"confidence":0.9998542,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21820023655891416},{"word":"super","start":157.43,"end":157.82999,"confidence":0.9971776,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1671261191368103},{"word":"investments","start":157.82999,"end":158.32999,"confidence":0.9348057,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1203361600637436},{"word":"to","start":158.47,"end":158.70999,"confidence":0.99691474,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10812892019748688},{"word":"see","start":158.70999,"end":158.87,"confidence":0.99995565,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.13949967920780182},{"word":"if","start":158.87,"end":158.95,"confidence":0.9998241,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1431222707033157},{"word":"we","start":158.95,"end":159.11,"confidence":0.9981219,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.185237780213356},{"word":"want","start":159.11,"end":159.43,"confidence":0.5985011,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.15446168184280396},{"word":"to","start":159.43,"end":159.59,"confidence":0.9941538,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1829957515001297},{"word":"swap","start":159.59,"end":159.90999,"confidence":0.98180103,"punctuated_word":"swap","sentiment":"neutral","sentiment_score":0.21285617351531985},{"word":"out","start":159.90999,"end":160.15,"confidence":0.9992673,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.15869975090026855},{"word":"some","start":160.15,"end":160.39,"confidence":0.99949265,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1886152476072311},{"word":"of","start":160.39,"end":160.47,"confidence":0.9999181,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2067540138959885},{"word":"those","start":160.47,"end":160.97,"confidence":0.99976414,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.16714373230934143},{"word":"through","start":161.67,"end":161.90999,"confidence":0.96026474,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14416727423667908},{"word":"other","start":161.90999,"end":162.15,"confidence":0.99781287,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.2313021570444107},{"word":"ones","start":162.15,"end":162.39,"confidence":0.99526936,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.16046303510665894},{"word":"that's","start":162.39,"end":162.62999,"confidence":0.99068177,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.21513402462005615},{"word":"going","start":162.62999,"end":162.87,"confidence":0.99973553,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.25811442732810974},{"word":"to","start":162.87,"end":163.03,"confidence":0.999297,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2366333603858948},{"word":"do","start":163.03,"end":163.18999,"confidence":0.999295,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2651480436325073},{"word":"a","start":163.18999,"end":163.26999,"confidence":0.9971654,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2359713613986969},{"word":"little","start":163.26999,"end":163.43,"confidence":0.9998492,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.17913201451301575},{"word":"bit","start":163.43,"end":163.67,"confidence":0.9996779,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20615500211715695},{"word":"better","start":163.67,"end":164.06999,"confidence":0.99962175,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.17732851207256317},{"word":"today","start":164.06999,"end":164.54999,"confidence":0.9484723,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.20178082585334775},{"word":"so","start":164.54999,"end":164.79,"confidence":0.9996505,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.363699734210968},{"word":"it","start":164.79,"end":164.87,"confidence":0.99969625,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3807133734226227},{"word":"is","start":164.87,"end":165.11,"confidence":0.9996518,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3649162948131562},{"word":"pretty","start":165.11,"end":165.43,"confidence":0.99969375,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.36822259426116943},{"word":"straightforward","start":165.43,"end":165.93,"confidence":0.9925455,"punctuated_word":"straightforward.","sentiment":"neutral","sentiment_score":0.23432132601737976},{"word":"it","start":166.815,"end":166.895,"confidence":0.95914704,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.01858101785182953},{"word":"is","start":166.895,"end":167.05501,"confidence":0.99825627,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.003578644245862961},{"word":"still","start":167.05501,"end":167.375,"confidence":0.99964654,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.017609909176826477},{"word":"quite","start":167.375,"end":167.615,"confidence":0.99851674,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.05326071009039879},{"word":"a","start":167.615,"end":167.695,"confidence":0.9995383,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03991590440273285},{"word":"long","start":167.695,"end":168.095,"confidence":0.99955505,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.05984248220920563},{"word":"document","start":168.095,"end":168.595,"confidence":0.9807955,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":-0.07344284653663635},{"word":"a","start":168.65501,"end":168.815,"confidence":0.9992912,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.05531170964241028},{"word":"lot","start":168.815,"end":168.975,"confidence":0.9999521,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.03844238072633743},{"word":"of","start":168.975,"end":169.13501,"confidence":0.99960476,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.053040988743305206},{"word":"it","start":169.13501,"end":169.29501,"confidence":0.9888875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05201420187950134},{"word":"is","start":169.29501,"end":169.535,"confidence":0.99514306,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.053482890129089355},{"word":"for","start":169.535,"end":169.85501,"confidence":0.8384736,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.05337560549378395},{"word":"no","start":171.29501,"end":171.695,"confidence":0.8267756,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.08753477782011032},{"word":"a","start":171.695,"end":171.85501,"confidence":0.9960498,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.10093476623296738},{"word":"lot","start":171.85501,"end":172.015,"confidence":0.9998535,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.0780428946018219},{"word":"of","start":172.015,"end":172.175,"confidence":0.9995047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06438024342060089},{"word":"it","start":172.175,"end":172.335,"confidence":0.998963,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09124886989593506},{"word":"is","start":172.335,"end":172.57501,"confidence":0.9974468,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09396083652973176},{"word":"for","start":172.57501,"end":172.735,"confidence":0.9957514,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.111317440867424},{"word":"compliance","start":172.735,"end":173.21501,"confidence":0.99409026,"punctuated_word":"compliance","sentiment":"neutral","sentiment_score":-0.03111204504966736},{"word":"to","start":173.21501,"end":173.455,"confidence":0.7468715,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06759245693683624},{"word":"make","start":173.455,"end":173.615,"confidence":0.9993718,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.07100331783294678},{"word":"sure","start":173.615,"end":173.85501,"confidence":0.9997867,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.051602765917778015},{"word":"you","start":173.85501,"end":174.015,"confidence":0.996512,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.022075124084949493},{"word":"understand","start":174.015,"end":174.49501,"confidence":0.99991417,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.08098222315311432},{"word":"everything","start":174.49501,"end":174.895,"confidence":0.99973804,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.017260782420635223},{"word":"because","start":174.895,"end":175.21501,"confidence":0.7147767,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.05250915139913559},{"word":"you","start":175.21501,"end":175.375,"confidence":0.9996464,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.001927390694618225},{"word":"kind","start":175.375,"end":175.535,"confidence":0.98974985,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.03351818025112152},{"word":"of","start":175.535,"end":175.695,"confidence":0.9977724,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0064663365483284},{"word":"have","start":175.695,"end":175.93501,"confidence":0.999173,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.024708643555641174},{"word":"gone","start":175.93501,"end":176.095,"confidence":0.9981881,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.03690055012702942},{"word":"through","start":176.095,"end":176.335,"confidence":0.9998416,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.0220479816198349},{"word":"this","start":176.335,"end":176.835,"confidence":0.9997793,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.02383490651845932},{"word":"a","start":177.29501,"end":177.375,"confidence":0.96002144,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0561782568693161},{"word":"little","start":177.375,"end":177.615,"confidence":0.9998666,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.04353713244199753},{"word":"bit","start":177.615,"end":177.85501,"confidence":0.9998822,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.03450071066617966},{"word":"already","start":177.85501,"end":178.335,"confidence":0.9930419,"punctuated_word":"already.","sentiment":"neutral","sentiment_score":-0.06799162924289703},{"word":"i","start":178.335,"end":178.49501,"confidence":0.99989974,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00317547470331192},{"word":"will","start":178.49501,"end":178.655,"confidence":0.99992275,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.014923643320798874},{"word":"kind","start":178.655,"end":178.895,"confidence":0.9953864,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.009063571691513062},{"word":"of","start":178.895,"end":179.13,"confidence":0.99884206,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0194992795586586},{"word":"skip","start":179.29001,"end":179.61,"confidence":0.82414514,"punctuated_word":"skip","sentiment":"neutral","sentiment_score":0.01308980956673622},{"word":"through","start":179.61,"end":180.09001,"confidence":0.9997191,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.014041226357221603},{"word":"some","start":180.09001,"end":180.33,"confidence":0.99964964,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.00006305798888206482},{"word":"of","start":180.33,"end":180.41,"confidence":0.99987483,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.016938671469688416},{"word":"it","start":180.41,"end":180.65001,"confidence":0.9998287,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0044777244329452515},{"word":"and","start":180.65001,"end":180.81,"confidence":0.9802305,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.007124848663806915},{"word":"just","start":180.81,"end":181.05,"confidence":0.9997824,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.006496075540781021},{"word":"kind","start":181.05,"end":181.21,"confidence":0.98911977,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.004197496920824051},{"word":"of","start":181.21,"end":181.29001,"confidence":0.9982356,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009135939180850984},{"word":"touch","start":181.29001,"end":181.53,"confidence":0.99220663,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.029439227655529976},{"word":"on","start":181.53,"end":181.69,"confidence":0.99587435,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03946280851960182},{"word":"the","start":181.69,"end":181.85,"confidence":0.9952253,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03613533079624176},{"word":"most","start":181.85,"end":182.09001,"confidence":0.99925405,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.03685570880770683},{"word":"important","start":182.09001,"end":182.41,"confidence":0.9407369,"punctuated_word":"important,","sentiment":"neutral","sentiment_score":0.0355781614780426},{"word":"and","start":182.41,"end":182.57,"confidence":0.99972135,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05351584404706955},{"word":"then","start":182.57,"end":182.73001,"confidence":0.99944407,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08959311246871948},{"word":"i'll","start":182.73001,"end":182.89,"confidence":0.9997017,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07754553854465485},{"word":"let","start":182.89,"end":183.05,"confidence":0.99989974,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.09094751626253128},{"word":"you","start":183.05,"end":183.21,"confidence":0.9994955,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09674783051013948},{"word":"have","start":183.21,"end":183.37001,"confidence":0.9997732,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09617739915847778},{"word":"a","start":183.37001,"end":183.45001,"confidence":0.992923,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08768968284130096},{"word":"read","start":183.45001,"end":183.69,"confidence":0.99766916,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.06690767407417297},{"word":"over","start":183.69,"end":183.93001,"confidence":0.99737144,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.0970548689365387},{"word":"it","start":183.93001,"end":184.43001,"confidence":0.98764265,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08057138323783875},{"word":"in","start":184.65001,"end":184.81,"confidence":0.9727769,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09000124037265778},{"word":"your","start":184.81,"end":184.97,"confidence":0.9995695,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.059461478143930435},{"word":"own","start":184.97,"end":185.13,"confidence":0.999691,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.06258177012205124},{"word":"time","start":185.13,"end":185.45001,"confidence":0.9923067,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.05486912280321121},{"word":"but","start":185.45001,"end":185.69,"confidence":0.9846777,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06703758984804153},{"word":"any","start":185.69,"end":185.93001,"confidence":0.9991972,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.04992392286658287},{"word":"questions","start":185.93001,"end":186.43001,"confidence":0.9946091,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.04350217059254646},{"word":"just","start":186.57,"end":186.81,"confidence":0.9997844,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03621559590101242},{"word":"let","start":186.81,"end":186.97,"confidence":0.99995315,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.03208352252840996},{"word":"me","start":186.97,"end":187.13,"confidence":0.9999299,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.04629576951265335},{"word":"know","start":187.13,"end":187.63,"confidence":0.99977446,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.04244207963347435},{"word":"perfect","start":188.81,"end":189.31,"confidence":0.9641705,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4735594689846039},{"word":"now","start":189.85,"end":190.17,"confidence":0.9990514,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2479442209005356},{"word":"you","start":190.17,"end":190.33,"confidence":0.9977101,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17319178581237793},{"word":"will","start":190.33,"end":190.49,"confidence":0.9999559,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.22971245646476743},{"word":"see","start":190.49,"end":190.73001,"confidence":0.83471274,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.2408581376075745},{"word":"obviously","start":190.73001,"end":191.05,"confidence":0.9974482,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.17788241803646088},{"word":"on","start":191.05,"end":191.21,"confidence":0.99683315,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1571769118309021},{"word":"the","start":191.21,"end":191.29001,"confidence":0.9997681,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16671529412269592},{"word":"cover","start":191.29001,"end":191.53,"confidence":0.9991254,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.143045574426651},{"word":"page","start":191.53,"end":191.85,"confidence":0.99929786,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.16418717801570892},{"word":"that","start":191.85,"end":192.09001,"confidence":0.9564217,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20415329933166504},{"word":"this","start":192.09001,"end":192.25,"confidence":0.99975353,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.20162104070186615},{"word":"has","start":192.25,"end":192.57,"confidence":0.999785,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.19037801027297976},{"word":"been","start":192.57,"end":192.81,"confidence":0.9998492,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.19789057970046997},{"word":"tailored","start":192.81,"end":193.29001,"confidence":0.9988366,"punctuated_word":"tailored","sentiment":"neutral","sentiment_score":0.21475337445735931},{"word":"just","start":193.29001,"end":193.605,"confidence":0.95161736,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2830096483230591},{"word":"to","start":193.765,"end":194.00499,"confidence":0.99964523,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22732461988925937},{"word":"you","start":194.00499,"end":194.50499,"confidence":0.99831516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.216054767370224},{"word":"now","start":194.805,"end":195.125,"confidence":0.9990916,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.09935571253299712},{"word":"you","start":195.125,"end":195.28499,"confidence":0.998546,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10211282223463058},{"word":"will","start":195.28499,"end":195.44499,"confidence":0.999498,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.10582747310400008},{"word":"see","start":195.44499,"end":195.685,"confidence":0.99947196,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11029455065727234},{"word":"my","start":195.685,"end":195.925,"confidence":0.9993236,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1024341806769371},{"word":"authorized","start":195.925,"end":196.245,"confidence":0.94348,"punctuated_word":"authorized","sentiment":"neutral","sentiment_score":0.10124503076076508},{"word":"representative","start":196.245,"end":196.745,"confidence":0.99926025,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.07657212018966675},{"word":"number","start":197.205,"end":197.44499,"confidence":0.9987411,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.09010321646928789},{"word":"listed","start":197.44499,"end":197.765,"confidence":0.9058019,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.10714427381753922},{"word":"on","start":197.765,"end":197.92499,"confidence":0.9917584,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10455697774887084},{"word":"the","start":197.92499,"end":198.08499,"confidence":0.9046552,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0919506773352623},{"word":"on","start":198.08499,"end":198.245,"confidence":0.8014851,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09522803127765656},{"word":"the","start":198.245,"end":198.405,"confidence":0.99955064,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0894455835223198},{"word":"cover","start":198.405,"end":198.72499,"confidence":0.9992454,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.0732356458902359},{"word":"page","start":198.72499,"end":198.965,"confidence":0.99969923,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.09727279841899872},{"word":"there","start":198.965,"end":199.28499,"confidence":0.9885443,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.11432477831840517},{"word":"and","start":199.28499,"end":199.525,"confidence":0.99975723,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.091551311314106},{"word":"i","start":199.525,"end":199.605,"confidence":0.99988496,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0980246514081955},{"word":"am","start":199.605,"end":200.00499,"confidence":0.9997577,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.0950636938214302},{"word":"licensed","start":200.00499,"end":200.485,"confidence":0.97344345,"punctuated_word":"licensed","sentiment":"neutral","sentiment_score":0.0793837234377861},{"word":"under","start":200.485,"end":200.805,"confidence":0.99587613,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.0836867168545723},{"word":"oku","start":200.805,"end":201.28499,"confidence":0.42766842,"punctuated_word":"Oku","sentiment":"neutral","sentiment_score":0.0810767412185669},{"word":"financial","start":201.28499,"end":201.78499,"confidence":0.96445537,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.07489091902971268},{"word":"now","start":203.045,"end":203.545,"confidence":0.9994979,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07898855954408646},{"word":"on","start":203.685,"end":204.00499,"confidence":0.9974336,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07752092182636261},{"word":"the","start":204.00499,"end":204.325,"confidence":0.99983895,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08207044005393982},{"word":"second","start":204.325,"end":204.72499,"confidence":0.9998696,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.09472374618053436},{"word":"page","start":204.72499,"end":205.045,"confidence":0.99935687,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.082806296646595},{"word":"you","start":205.045,"end":205.125,"confidence":0.99960154,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10036042332649232},{"word":"will","start":205.125,"end":205.36499,"confidence":0.9992092,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.10479846596717834},{"word":"see","start":205.36499,"end":205.605,"confidence":0.9996861,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10675357282161713},{"word":"the","start":205.605,"end":205.845,"confidence":0.8280925,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09183239936828612},{"word":"best","start":205.845,"end":206.245,"confidence":0.9991037,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.12256234884262084},{"word":"interest","start":206.245,"end":206.72499,"confidence":0.9900739,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.1034662276506424},{"word":"you","start":206.72499,"end":206.885,"confidence":0.48098442,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12896814942359924},{"word":"to","start":206.885,"end":207.045,"confidence":0.23216207,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1565755307674408},{"word":"outline","start":207.045,"end":207.545,"confidence":0.98325676,"punctuated_word":"outline,","sentiment":"neutral","sentiment_score":0.14394380152225494},{"word":"which","start":208.62999,"end":208.79,"confidence":0.9975799,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.11800996959209442},{"word":"obviously","start":208.79,"end":209.26999,"confidence":0.8276632,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.09034011512994766},{"word":"just","start":209.26999,"end":209.51,"confidence":0.7581008,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.057486243546009064},{"word":"says","start":209.51,"end":209.75,"confidence":0.9962069,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.08211325109004974},{"word":"that","start":209.75,"end":209.90999,"confidence":0.9984665,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08515863865613937},{"word":"we","start":209.90999,"end":210.15,"confidence":0.9995598,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1142282858490944},{"word":"have","start":210.15,"end":210.39,"confidence":0.9998429,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1001308485865593},{"word":"to","start":210.39,"end":210.55,"confidence":0.99932873,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06340768188238144},{"word":"act","start":210.55,"end":210.79,"confidence":0.99188626,"punctuated_word":"act","sentiment":"neutral","sentiment_score":0.11240624636411668},{"word":"in","start":210.79,"end":211.19,"confidence":0.9995946,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1618630439043045},{"word":"your","start":211.19,"end":211.43,"confidence":0.9971033,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13894379138946533},{"word":"best","start":211.43,"end":211.83,"confidence":0.99972457,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.14410845935344696},{"word":"interest","start":211.83,"end":212.31,"confidence":0.99400675,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.19623681902885437},{"word":"at","start":212.31,"end":212.47,"confidence":0.99945086,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16434139013290405},{"word":"all","start":212.47,"end":212.70999,"confidence":0.99864215,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.15037758648395538},{"word":"time","start":212.70999,"end":213.20999,"confidence":0.95628124,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.1693287193775177},{"word":"the","start":213.34999,"end":213.59,"confidence":0.98959106,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.030065588653087616},{"word":"advice","start":213.59,"end":213.98999,"confidence":0.73394895,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.05067704617977142},{"word":"itself","start":213.98999,"end":214.39,"confidence":0.9882245,"punctuated_word":"itself","sentiment":"neutral","sentiment_score":0.005504518747329712},{"word":"has","start":214.39,"end":214.70999,"confidence":0.9858892,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.026514962315559387},{"word":"to","start":214.70999,"end":214.79,"confidence":0.9929133,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.020393475890159607},{"word":"put","start":214.79,"end":215.03,"confidence":0.9974208,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.0001624971628189087},{"word":"you","start":215.03,"end":215.19,"confidence":0.93388313,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02665126323699951},{"word":"in","start":215.19,"end":215.26999,"confidence":0.9986941,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05786105990409851},{"word":"a","start":215.26999,"end":215.43,"confidence":0.99911886,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06646965444087982},{"word":"better","start":215.43,"end":215.75,"confidence":0.9999616,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.006434574723243713},{"word":"position","start":215.75,"end":216.25,"confidence":0.9995209,"punctuated_word":"position","sentiment":"neutral","sentiment_score":0.10171598941087724},{"word":"as","start":216.47,"end":216.70999,"confidence":0.99863774,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06927336752414703},{"word":"a","start":216.70999,"end":216.87,"confidence":0.99923456,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05454957112669945},{"word":"result","start":216.87,"end":217.37,"confidence":0.9996383,"punctuated_word":"result","sentiment":"neutral","sentiment_score":0.019371286034584045},{"word":"of","start":217.51,"end":217.67,"confidence":0.99968445,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04273424297571182},{"word":"the","start":217.67,"end":217.90999,"confidence":0.99842924,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01344682276248932},{"word":"advice","start":217.90999,"end":218.40999,"confidence":0.9318413,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.006626080721616745},{"word":"otherwise","start":218.62999,"end":219.03,"confidence":0.999526,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":-0.1708759069442749},{"word":"we","start":219.03,"end":219.19,"confidence":0.9998568,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12508100271224976},{"word":"can't","start":219.19,"end":219.43,"confidence":0.99768996,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.13438951969146729},{"word":"actually","start":219.43,"end":219.83,"confidence":0.9993529,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.100249245762825},{"word":"make","start":219.83,"end":220.06999,"confidence":0.9998223,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.16990754008293152},{"word":"the","start":220.06999,"end":220.31,"confidence":0.9701886,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11219430714845656},{"word":"recommendation","start":220.31,"end":220.81,"confidence":0.9818887,"punctuated_word":"recommendation.","sentiment":"neutral","sentiment_score":-0.16217035055160522},{"word":"does","start":221.505,"end":221.665,"confidence":0.9992256,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.02512756735086441},{"word":"that","start":221.665,"end":221.745,"confidence":0.9999547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02829203754663467},{"word":"make","start":221.745,"end":221.985,"confidence":0.99765706,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.019455119967460632},{"word":"sense","start":221.985,"end":222.485,"confidence":0.9998487,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.03918410837650299},{"word":"yeah","start":223.265,"end":223.765,"confidence":0.79478437,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2048850953578949},{"word":"perfect","start":224.065,"end":224.565,"confidence":0.99820924,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.35101866722106934},{"word":"now","start":224.705,"end":225.025,"confidence":0.9958697,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.14665508270263672},{"word":"as","start":225.025,"end":225.185,"confidence":0.97416806,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15405330061912537},{"word":"you","start":225.185,"end":225.345,"confidence":0.9979304,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15477733314037323},{"word":"scroll","start":225.345,"end":225.665,"confidence":0.99984956,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.16234631836414337},{"word":"through","start":225.665,"end":226.065,"confidence":0.999926,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1785358190536499},{"word":"table","start":226.065,"end":226.465,"confidence":0.8621916,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.18530584871768951},{"word":"of","start":226.465,"end":226.625,"confidence":0.99966574,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08477563410997391},{"word":"contents","start":226.625,"end":227.125,"confidence":0.62331,"punctuated_word":"contents,","sentiment":"neutral","sentiment_score":0.08367355912923813},{"word":"pretty","start":227.185,"end":227.425,"confidence":0.6826464,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.14051753282546997},{"word":"self","start":227.425,"end":227.745,"confidence":0.9992576,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.12849199771881104},{"word":"explanatory","start":227.745,"end":228.245,"confidence":0.98079556,"punctuated_word":"explanatory,","sentiment":"neutral","sentiment_score":0.1387876719236374},{"word":"you","start":229.105,"end":229.265,"confidence":0.9994079,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14146889746189115},{"word":"will","start":229.265,"end":229.505,"confidence":0.99995196,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.13505038619041443},{"word":"then","start":229.505,"end":229.825,"confidence":0.9998287,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13982883095741272},{"word":"see","start":229.825,"end":230.305,"confidence":0.99973375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1232421174645424},{"word":"two","start":230.305,"end":230.625,"confidence":0.99399096,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.07315780222415924},{"word":"pages","start":230.625,"end":231.025,"confidence":0.9992095,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.056269146502017975},{"word":"or","start":231.025,"end":231.265,"confidence":0.8938571,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07622477412223816},{"word":"three","start":231.265,"end":231.505,"confidence":0.9996088,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.05685102194547653},{"word":"pages","start":231.505,"end":231.985,"confidence":0.99897826,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.05554162710905075},{"word":"actually","start":231.985,"end":232.385,"confidence":0.8278917,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.09186632931232452},{"word":"just","start":232.385,"end":232.705,"confidence":0.96952283,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08247648179531097},{"word":"talking","start":232.705,"end":233.025,"confidence":0.9976618,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.07104559242725372},{"word":"about","start":233.025,"end":233.525,"confidence":0.9916461,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0836201012134552},{"word":"both","start":233.58499,"end":233.985,"confidence":0.97467446,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.1170228272676468},{"word":"of","start":233.985,"end":234.225,"confidence":0.86750513,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11523005366325378},{"word":"the","start":234.225,"end":234.465,"confidence":0.9868695,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0774897038936615},{"word":"device","start":234.465,"end":234.965,"confidence":0.88714796,"punctuated_word":"device.","sentiment":"neutral","sentiment_score":0.06865337491035461},{"word":"now","start":235.98001,"end":236.22,"confidence":0.9041785,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.04883608594536781},{"word":"essentially","start":236.22,"end":236.72,"confidence":0.9990158,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.04576430842280388},{"word":"that","start":236.78,"end":236.94,"confidence":0.99992037,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04574224352836609},{"word":"is","start":236.94,"end":237.1,"confidence":0.999926,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02973806858062744},{"word":"just","start":237.1,"end":237.34001,"confidence":0.99991715,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04006342962384224},{"word":"the","start":237.34001,"end":237.42,"confidence":0.9972716,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04178919643163681},{"word":"areas","start":237.42,"end":237.82,"confidence":0.92571306,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.0844738632440567},{"word":"we","start":237.82,"end":238.06,"confidence":0.99771994,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06677548587322235},{"word":"are","start":238.06,"end":238.38,"confidence":0.99969816,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.057837121188640594},{"word":"focusing","start":238.38,"end":238.88,"confidence":0.9995963,"punctuated_word":"focusing","sentiment":"neutral","sentiment_score":0.062134742736816406},{"word":"on","start":239.02,"end":239.5,"confidence":0.99978477,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09212638437747955},{"word":"today","start":239.5,"end":240.0,"confidence":0.991807,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.08251306414604187},{"word":"so","start":240.14,"end":240.46,"confidence":0.9994511,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08736297488212585},{"word":"simply","start":240.46,"end":240.86,"confidence":0.80084676,"punctuated_word":"simply","sentiment":"neutral","sentiment_score":0.07043136656284332},{"word":"today","start":240.86,"end":241.1,"confidence":0.8874692,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.09367410838603972},{"word":"what","start":241.1,"end":241.34,"confidence":0.9962022,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08898501098155975},{"word":"we","start":241.34,"end":241.42,"confidence":0.9996909,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09206907451152802},{"word":"are","start":241.42,"end":241.5,"confidence":0.9919121,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07838206738233566},{"word":"looking","start":241.5,"end":241.82,"confidence":0.9999242,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.097715362906456},{"word":"at","start":241.82,"end":241.98001,"confidence":0.9992205,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08332324773073196},{"word":"is","start":241.98001,"end":242.22,"confidence":0.9780051,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0885041356086731},{"word":"your","start":242.22,"end":242.46,"confidence":0.99282855,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15855631232261658},{"word":"superannuation","start":242.46,"end":242.96,"confidence":0.99357575,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.15047821402549744},{"word":"just","start":243.74,"end":244.06,"confidence":0.74272704,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11470475047826768},{"word":"to","start":244.06,"end":244.22,"confidence":0.9998248,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11968094855546953},{"word":"make","start":244.22,"end":244.38,"confidence":0.99992585,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.12562358379364014},{"word":"sure","start":244.38,"end":244.62001,"confidence":0.999801,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.16008804738521576},{"word":"we","start":244.62001,"end":244.78,"confidence":0.99839205,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18217319250106812},{"word":"can","start":244.78,"end":245.28,"confidence":0.99983835,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18788817524909973},{"word":"make","start":245.58,"end":245.74,"confidence":0.61172086,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.18401481211185455},{"word":"sure","start":245.74,"end":245.98001,"confidence":0.9991357,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.18571652472019196},{"word":"it","start":245.98001,"end":246.22,"confidence":0.7750876,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1973681747913361},{"word":"grows","start":246.22,"end":246.54001,"confidence":0.9225565,"punctuated_word":"grows","sentiment":"neutral","sentiment_score":0.24969804286956787},{"word":"as","start":246.54001,"end":246.7,"confidence":0.9993186,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2199449986219406},{"word":"much","start":246.7,"end":246.94,"confidence":0.99963033,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.25154125690460205},{"word":"as","start":246.94,"end":247.1,"confidence":0.99899966,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1961442530155182},{"word":"possible","start":247.1,"end":247.58,"confidence":0.99989045,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.19001176953315735},{"word":"so","start":247.58,"end":247.74,"confidence":0.9954081,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2097429931163788},{"word":"that","start":247.74,"end":247.90001,"confidence":0.99985826,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23290511965751648},{"word":"you","start":247.90001,"end":248.06,"confidence":0.9997391,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2279159873723984},{"word":"can","start":248.06,"end":248.38,"confidence":0.9997472,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22090256214141848},{"word":"retire","start":248.38,"end":248.88,"confidence":0.9995788,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.1252247393131256},{"word":"comfortably","start":249.02,"end":249.52,"confidence":0.9976591,"punctuated_word":"comfortably.","sentiment":"neutral","sentiment_score":0.08557446300983429},{"word":"other","start":251.075,"end":251.235,"confidence":0.99559766,"punctuated_word":"Other","sentiment":"neutral","sentiment_score":-0.06075309216976166},{"word":"things","start":251.235,"end":251.47499,"confidence":0.99922216,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.03989171236753464},{"word":"we're","start":251.47499,"end":251.715,"confidence":0.92456806,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.07419802993535995},{"word":"not","start":251.715,"end":252.11499,"confidence":0.9995072,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.11663985252380372},{"word":"considering","start":252.11499,"end":252.61499,"confidence":0.9642943,"punctuated_word":"considering,","sentiment":"neutral","sentiment_score":-0.10014556348323822},{"word":"not","start":253.235,"end":253.555,"confidence":0.78107196,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.11181893199682236},{"word":"making","start":253.555,"end":253.795,"confidence":0.99984694,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.09956659376621246},{"word":"any","start":253.795,"end":254.03499,"confidence":0.9993913,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.14393118023872375},{"word":"changes","start":254.03499,"end":254.53499,"confidence":0.99956685,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.1783508062362671},{"word":"to","start":254.595,"end":254.75499,"confidence":0.99946576,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17218029499053955},{"word":"your","start":254.75499,"end":254.995,"confidence":0.99617636,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.09534652531147005},{"word":"insurances","start":254.995,"end":255.495,"confidence":0.97283095,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":-0.06366875767707825},{"word":"you're","start":255.635,"end":255.875,"confidence":0.99209476,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.15658709406852722},{"word":"quite","start":255.875,"end":256.115,"confidence":0.99984396,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.15962740778923035},{"word":"happy","start":256.115,"end":256.51498,"confidence":0.9997702,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.2163999080657959},{"word":"with","start":256.51498,"end":256.675,"confidence":0.9996277,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1981097310781479},{"word":"your","start":256.675,"end":256.995,"confidence":0.94619197,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1801474690437317},{"word":"ip","start":256.995,"end":257.315,"confidence":0.9927988,"punctuated_word":"IP","sentiment":"neutral","sentiment_score":0.2241051197052002},{"word":"policy","start":257.315,"end":257.815,"confidence":0.99956423,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.0014734640717506409},{"word":"and","start":258.915,"end":259.155,"confidence":0.78049594,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10217930376529694},{"word":"not","start":259.155,"end":259.315,"confidence":0.99976593,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1701197326183319},{"word":"really","start":259.315,"end":259.635,"confidence":0.99992704,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.1511356383562088},{"word":"making","start":259.635,"end":259.955,"confidence":0.9997905,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.1767721027135849},{"word":"any","start":259.955,"end":260.435,"confidence":0.9995415,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.1963675916194916},{"word":"recommendations","start":260.435,"end":260.935,"confidence":0.9932114,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":-0.25116199254989624},{"word":"on","start":261.475,"end":261.79498,"confidence":0.9992611,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2267223745584488},{"word":"debt","start":261.79498,"end":262.035,"confidence":0.93310505,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.29582443833351135},{"word":"or","start":262.035,"end":262.275,"confidence":0.8191045,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2405514270067215},{"word":"saving","start":262.275,"end":262.675,"confidence":0.6622857,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":-0.09357394278049468},{"word":"for","start":262.675,"end":262.835,"confidence":0.9443618,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.20215369760990143},{"word":"travel","start":262.835,"end":263.235,"confidence":0.98983645,"punctuated_word":"travel.","sentiment":"neutral","sentiment_score":-0.09442441165447236},{"word":"if","start":263.235,"end":263.395,"confidence":0.9994789,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.00393720343708992},{"word":"it","start":263.395,"end":263.555,"confidence":0.99693954,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.015653960406780243},{"word":"is","start":263.555,"end":263.715,"confidence":0.99943596,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0008893907070159912},{"word":"something","start":263.715,"end":264.035,"confidence":0.9998319,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.016974806785583496},{"word":"you","start":264.035,"end":264.195,"confidence":0.9953689,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007751710712909699},{"word":"do","start":264.195,"end":264.35498,"confidence":0.9998481,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.007938332855701447},{"word":"need","start":264.35498,"end":264.51498,"confidence":0.99947125,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0008209124207496643},{"word":"assistance","start":264.51498,"end":264.995,"confidence":0.7859182,"punctuated_word":"assistance,","sentiment":"neutral","sentiment_score":-0.004518091678619385},{"word":"leave","start":264.995,"end":265.235,"confidence":0.60643476,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.0020000487565994263},{"word":"down","start":265.235,"end":265.475,"confidence":0.7764134,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.01730016991496086},{"word":"the","start":265.475,"end":265.635,"confidence":0.74130636,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.036369651556015015},{"word":"track","start":265.635,"end":266.07,"confidence":0.7451114,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":0.009661599062383177},{"word":"always","start":266.15,"end":266.47,"confidence":0.94262326,"punctuated_word":"Always","sentiment":"neutral","sentiment_score":0.06753716617822647},{"word":"just","start":266.47,"end":266.55002,"confidence":0.98699003,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08258138597011566},{"word":"let","start":266.55002,"end":266.67,"confidence":0.9981536,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.10596998780965804},{"word":"us","start":266.67,"end":266.79,"confidence":0.9990558,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.08513709902763367},{"word":"know","start":266.79,"end":267.03,"confidence":0.75099134,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.13949421048164368},{"word":"and","start":267.03,"end":267.19,"confidence":0.9922828,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12521016597747803},{"word":"we","start":267.19,"end":267.27002,"confidence":0.99960953,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1608191579580307},{"word":"can","start":267.27002,"end":267.43,"confidence":0.9995974,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14987771213054657},{"word":"always","start":267.43,"end":267.75,"confidence":0.999728,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.1442389041185379},{"word":"consider","start":267.75,"end":268.07,"confidence":0.9950511,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.11620437353849412},{"word":"it","start":268.07,"end":268.23,"confidence":0.7025705,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10928120464086533},{"word":"then","start":268.23,"end":268.73,"confidence":0.82729876,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.08796900510787964},{"word":"yep","start":269.75,"end":270.25,"confidence":0.8120102,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06177174299955368},{"word":"perfect","start":270.31,"end":270.81,"confidence":0.84249616,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.572335958480835},{"word":"now","start":271.91,"end":272.41,"confidence":0.919525,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1487783044576645},{"word":"as","start":272.95,"end":273.19,"confidence":0.74230146,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1407860517501831},{"word":"you","start":273.19,"end":273.59,"confidence":0.9978588,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13096490502357483},{"word":"scroll","start":273.59,"end":274.09,"confidence":0.999542,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.08953426033258438},{"word":"through","start":274.63,"end":275.13,"confidence":0.90619755,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.10071299970149994},{"word":"sorry","start":275.27002,"end":275.77002,"confidence":0.7162063,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.06719470024108887},{"word":"seven","start":275.83002,"end":276.33002,"confidence":0.99904174,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.0345681831240654},{"word":"and","start":276.47,"end":276.97,"confidence":0.9984274,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.024858128279447556},{"word":"eight","start":277.11002,"end":277.61002,"confidence":0.92949915,"punctuated_word":"eight,","sentiment":"neutral","sentiment_score":0.04641128331422806},{"word":"just","start":278.15,"end":278.39,"confidence":0.9480246,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09584611654281616},{"word":"some","start":278.39,"end":278.63,"confidence":0.9918424,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08177124708890915},{"word":"personal","start":278.63,"end":279.11002,"confidence":0.9999311,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.05400242656469345},{"word":"information","start":279.11002,"end":279.61002,"confidence":0.99991465,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.08389667421579361},{"word":"about","start":279.75,"end":279.99002,"confidence":0.999871,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05984300747513771},{"word":"you","start":279.99002,"end":280.23,"confidence":0.87649894,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.05840286612510681},{"word":"if","start":280.23,"end":280.39,"confidence":0.9989845,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.046607911586761475},{"word":"you","start":280.39,"end":280.47,"confidence":0.9997056,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.050250086933374405},{"word":"could","start":280.47,"end":280.63,"confidence":0.99976283,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.04912254214286804},{"word":"just","start":280.63,"end":280.87,"confidence":0.99952984,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06658263504505157},{"word":"have","start":280.87,"end":281.03,"confidence":0.99981254,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.054994091391563416},{"word":"a","start":281.03,"end":281.11002,"confidence":0.99966013,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06661173701286316},{"word":"quick","start":281.11002,"end":281.43,"confidence":0.9990982,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.09248877316713332},{"word":"read","start":281.43,"end":281.67,"confidence":0.990396,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.07574126124382019},{"word":"over","start":281.67,"end":281.83002,"confidence":0.98395765,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.08341384679079056},{"word":"that","start":281.83002,"end":282.045,"confidence":0.9985031,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09412577003240584},{"word":"for","start":282.045,"end":282.285,"confidence":0.9994166,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08512003719806671},{"word":"me","start":282.285,"end":282.785,"confidence":0.9999355,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08205527812242508},{"word":"just","start":282.92502,"end":283.165,"confidence":0.62795556,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06257902830839157},{"word":"to","start":283.165,"end":283.24503,"confidence":0.9998234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05852275341749191},{"word":"make","start":283.24503,"end":283.325,"confidence":0.9998498,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.06671599298715591},{"word":"sure","start":283.325,"end":283.565,"confidence":0.9996799,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.07813677191734314},{"word":"that's","start":283.565,"end":283.80502,"confidence":0.99618715,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.07121844589710236},{"word":"all","start":283.80502,"end":283.96503,"confidence":0.9996165,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07659912109375},{"word":"up","start":283.96503,"end":284.20502,"confidence":0.9970983,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.08732850849628448},{"word":"to","start":284.20502,"end":284.445,"confidence":0.9962697,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08915168046951294},{"word":"date","start":284.445,"end":284.765,"confidence":0.9965413,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.0888751670718193},{"word":"or","start":284.765,"end":284.92502,"confidence":0.7903027,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07589513808488846},{"word":"if","start":284.92502,"end":285.08502,"confidence":0.99989545,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08587738871574402},{"word":"i","start":285.08502,"end":285.165,"confidence":0.9993911,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07414641231298447},{"word":"need","start":285.165,"end":285.405,"confidence":0.9998192,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.038870520889759064},{"word":"to","start":285.405,"end":285.48502,"confidence":0.9996482,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06068098545074463},{"word":"make","start":285.48502,"end":285.64502,"confidence":0.9998814,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.03825867176055908},{"word":"any","start":285.64502,"end":285.885,"confidence":0.9990785,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06197185814380646},{"word":"changes","start":285.885,"end":286.285,"confidence":0.99927825,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.06425261497497559},{"word":"in","start":286.285,"end":286.36502,"confidence":0.99665326,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05693843215703964},{"word":"the","start":286.36502,"end":286.52502,"confidence":0.9991774,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08351113647222519},{"word":"back","start":286.52502,"end":286.68503,"confidence":0.9173118,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.09240027517080308},{"word":"end","start":286.68503,"end":287.18503,"confidence":0.9823983,"punctuated_word":"end.","sentiment":"neutral","sentiment_score":0.08719897270202637},{"word":"all","start":290.845,"end":291.005,"confidence":0.3527615,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.6448297500610352},{"word":"looks","start":291.005,"end":291.325,"confidence":0.8048297,"punctuated_word":"looks","sentiment":"positive","sentiment_score":0.7070885300636292},{"word":"pretty","start":291.325,"end":291.48502,"confidence":0.99754983,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6372087597846985},{"word":"good","start":291.48502,"end":291.98502,"confidence":0.9882512,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.67103111743927},{"word":"great","start":293.725,"end":294.225,"confidence":0.9682105,"punctuated_word":"Great.","sentiment":"positive","sentiment_score":0.6628751158714294},{"word":"which","start":295.22,"end":295.54,"confidence":0.9569586,"punctuated_word":"Which","sentiment":"neutral","sentiment_score":0.2998088002204895},{"word":"then","start":295.54,"end":295.78,"confidence":0.9990338,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2317698448896408},{"word":"takes","start":295.78,"end":296.02,"confidence":0.9993179,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.2346130013465881},{"word":"us","start":296.02,"end":296.26,"confidence":0.99842167,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.2250342220067978},{"word":"to","start":296.26,"end":296.5,"confidence":0.9986588,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22481843829154968},{"word":"page","start":296.5,"end":296.9,"confidence":0.9995315,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.21998891234397888},{"word":"nine","start":296.9,"end":297.30002,"confidence":0.96741545,"punctuated_word":"nine,","sentiment":"neutral","sentiment_score":0.11095952987670898},{"word":"which","start":297.30002,"end":297.54,"confidence":0.9966522,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.12166428565979004},{"word":"just","start":297.54,"end":297.78,"confidence":0.97237927,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13836465775966644},{"word":"shows","start":297.78,"end":298.02,"confidence":0.9993303,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.14023379981517792},{"word":"you","start":298.02,"end":298.34,"confidence":0.99782276,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13524986803531647},{"word":"your","start":298.34,"end":298.58002,"confidence":0.99842405,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13135531544685364},{"word":"current","start":298.58002,"end":299.08002,"confidence":0.99941504,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.1450389325618744},{"word":"superannuation","start":299.14,"end":299.64,"confidence":0.96667135,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.17654871940612793},{"word":"so","start":300.66,"end":300.82,"confidence":0.6699224,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08580867946147919},{"word":"you","start":300.82,"end":300.98,"confidence":0.99920803,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04889850318431854},{"word":"have","start":300.98,"end":301.22,"confidence":0.999858,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.060025494545698166},{"word":"your","start":301.22,"end":301.54,"confidence":0.99894744,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0919983610510826},{"word":"super","start":301.54,"end":301.94,"confidence":0.8964026,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.12379292398691176},{"word":"in","start":301.94,"end":302.1,"confidence":0.70139617,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09812511503696442},{"word":"net","start":302.1,"end":302.34,"confidence":0.79417455,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.0874350517988205},{"word":"worth","start":302.34,"end":302.84,"confidence":0.7734638,"punctuated_word":"worth.","sentiment":"neutral","sentiment_score":0.08617279678583145},{"word":"you","start":302.98,"end":303.14,"confidence":0.99933076,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.0829622745513916},{"word":"have","start":303.14,"end":303.38,"confidence":0.9999635,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.090306356549263},{"word":"approximately","start":303.38,"end":303.88,"confidence":0.9971103,"punctuated_word":"approximately","sentiment":"neutral","sentiment_score":0.07989327609539032},{"word":"264,359","start":304.1,"end":307.46,"confidence":0.9870603,"punctuated_word":"264,359,","sentiment":"neutral","sentiment_score":0.099433034658432},{"word":"and","start":307.46,"end":307.62,"confidence":0.9993542,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08671409636735916},{"word":"then","start":307.62,"end":307.86002,"confidence":0.99741745,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11646555364131927},{"word":"you","start":307.86002,"end":308.02,"confidence":0.99981815,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09245069324970244},{"word":"do","start":308.02,"end":308.26,"confidence":0.99984324,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1154731512069702},{"word":"have","start":308.26,"end":308.42,"confidence":0.9998318,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09280044585466383},{"word":"your","start":308.42,"end":308.74,"confidence":0.99928194,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09033489227294922},{"word":"neos","start":308.74,"end":309.24,"confidence":0.60465217,"punctuated_word":"Neos","sentiment":"neutral","sentiment_score":0.08137191832065582},{"word":"income","start":309.505,"end":309.98502,"confidence":0.9980496,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0824768915772438},{"word":"protection","start":309.98502,"end":310.48502,"confidence":0.99960035,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.09097614139318466},{"word":"listed","start":310.545,"end":310.945,"confidence":0.9998287,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.11220738291740416},{"word":"under","start":310.945,"end":311.185,"confidence":0.9958483,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.100627101957798},{"word":"there","start":311.185,"end":311.425,"confidence":0.99841976,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.14335380494594574},{"word":"as","start":311.425,"end":311.665,"confidence":0.99606884,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11841821670532228},{"word":"well","start":311.665,"end":312.165,"confidence":0.99914646,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.10671161115169524},{"word":"yep","start":313.105,"end":313.605,"confidence":0.8951205,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13214632868766785},{"word":"perfect","start":313.825,"end":314.325,"confidence":0.9788655,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.3022907078266144},{"word":"now","start":314.865,"end":315.345,"confidence":0.9982199,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.09358671307563782},{"word":"on","start":315.345,"end":315.665,"confidence":0.99450374,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07986870408058167},{"word":"the","start":315.665,"end":315.905,"confidence":0.99985564,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07639389485120773},{"word":"next","start":315.905,"end":316.405,"confidence":0.9996132,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.09044265002012251},{"word":"two","start":316.625,"end":316.945,"confidence":0.988331,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.07561283558607101},{"word":"pages","start":316.945,"end":317.445,"confidence":0.99078315,"punctuated_word":"pages,","sentiment":"neutral","sentiment_score":0.060891661792993546},{"word":"i'll","start":318.065,"end":318.225,"confidence":0.9156865,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05638451874256134},{"word":"let","start":318.225,"end":318.465,"confidence":0.99995184,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.06786599010229111},{"word":"you","start":318.465,"end":318.625,"confidence":0.9998957,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07226788997650146},{"word":"have","start":318.625,"end":318.705,"confidence":0.9995597,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07578352093696594},{"word":"a","start":318.705,"end":318.785,"confidence":0.99470973,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07674559950828552},{"word":"read","start":318.785,"end":319.025,"confidence":0.9956601,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.08091101050376892},{"word":"over","start":319.025,"end":319.265,"confidence":0.9495318,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.10067062824964523},{"word":"that","start":319.265,"end":319.425,"confidence":0.9969946,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1010621339082718},{"word":"in","start":319.425,"end":319.505,"confidence":0.9993606,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10043702274560928},{"word":"your","start":319.505,"end":319.665,"confidence":0.99980897,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1157638132572174},{"word":"own","start":319.665,"end":319.825,"confidence":0.9995307,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.09277704358100893},{"word":"time","start":319.825,"end":320.065,"confidence":0.8877415,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.07787986099720001},{"word":"if","start":320.065,"end":320.225,"confidence":0.48951522,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.03110177256166935},{"word":"you","start":320.225,"end":320.305,"confidence":0.9909003,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02432439476251602},{"word":"just","start":320.305,"end":320.545,"confidence":0.9989956,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02618774026632309},{"word":"highlight","start":320.545,"end":321.045,"confidence":0.84213805,"punctuated_word":"highlight","sentiment":"neutral","sentiment_score":0.026154454797506332},{"word":"that","start":321.105,"end":321.425,"confidence":0.9780862,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02177007496356964},{"word":"risk","start":321.425,"end":321.825,"confidence":0.9887051,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.010422620922327042},{"word":"profile","start":321.825,"end":322.325,"confidence":0.83216804,"punctuated_word":"profile,","sentiment":"neutral","sentiment_score":0.008506765589118004},{"word":"so","start":322.84998,"end":322.88998,"confidence":0.42280924,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.005172589793801308},{"word":"do","start":322.88998,"end":322.93,"confidence":0.98947096,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.007895542308688164},{"word":"you","start":322.93,"end":323.16998,"confidence":0.9944484,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008672723546624184},{"word":"remember","start":323.16998,"end":323.49,"confidence":0.99987006,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":0.015839340165257454},{"word":"last","start":323.49,"end":323.72998,"confidence":0.9487919,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.0016182251274585724},{"word":"time","start":323.72998,"end":323.97,"confidence":0.9954861,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.00820297934114933},{"word":"kind","start":323.97,"end":324.21,"confidence":0.9012523,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0117677990347147},{"word":"of","start":324.21,"end":324.37,"confidence":0.99960274,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.004686335101723671},{"word":"talking","start":324.37,"end":324.77,"confidence":0.9991353,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.011199094355106354},{"word":"about","start":324.77,"end":325.16998,"confidence":0.9815526,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":0.02343994751572609},{"word":"you","start":325.16998,"end":325.25,"confidence":0.9998852,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00732007622718811},{"word":"know","start":325.25,"end":325.65,"confidence":0.99917024,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.01979587972164154},{"word":"fluctuations","start":325.65,"end":326.15,"confidence":0.9967867,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.029804740101099014},{"word":"and","start":326.77,"end":327.00998,"confidence":0.9730977,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.015370771288871763},{"word":"you","start":327.00998,"end":327.16998,"confidence":0.99964654,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005719445645809174},{"word":"know","start":327.16998,"end":327.41,"confidence":0.99990433,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.01595131866633892},{"word":"how","start":327.41,"end":327.56998,"confidence":0.999461,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.009686093777418137},{"word":"much","start":327.56998,"end":327.81,"confidence":0.999785,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.0025391653180122375},{"word":"risk","start":327.81,"end":328.05,"confidence":0.95445365,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.009275725111365318},{"word":"you","start":328.05,"end":328.28998,"confidence":0.99442285,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0014902949333190918},{"word":"are","start":328.28998,"end":328.37,"confidence":0.8126557,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.002350997179746628},{"word":"comfortable","start":328.37,"end":328.87,"confidence":0.9997304,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.00023761019110679624},{"word":"taking","start":328.93,"end":329.43,"confidence":0.998552,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.0078815259039402},{"word":"in","start":329.49,"end":329.65,"confidence":0.99875784,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02945036813616753},{"word":"your","start":329.65,"end":329.97,"confidence":0.9989372,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02665111795067787},{"word":"superannuation","start":329.97,"end":330.47,"confidence":0.97481346,"punctuated_word":"superannuation?","sentiment":"neutral","sentiment_score":0.06661202758550644},{"word":"do","start":331.40997,"end":331.56998,"confidence":0.99215394,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.002088800072669983},{"word":"you","start":331.56998,"end":331.65,"confidence":0.9976682,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00026668980717658997},{"word":"remember","start":331.65,"end":332.05,"confidence":0.9999125,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":0.01757982186973095},{"word":"that","start":332.05,"end":332.55,"confidence":0.99964345,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.014655545353889464},{"word":"yes","start":333.49,"end":333.81,"confidence":0.87828,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13807527720928192},{"word":"perfect","start":333.81,"end":334.31,"confidence":0.9991668,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.39261364936828613},{"word":"now","start":334.61,"end":334.84998,"confidence":0.99244976,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.25023871660232544},{"word":"you","start":334.84998,"end":335.00998,"confidence":0.99441767,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27539747953414917},{"word":"did","start":335.00998,"end":335.16998,"confidence":0.9993387,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.31289005279541016},{"word":"come","start":335.16998,"end":335.40997,"confidence":0.9982256,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.2908078730106354},{"word":"out","start":335.40997,"end":335.56998,"confidence":0.99771166,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.29992353916168213},{"word":"as","start":335.56998,"end":335.72998,"confidence":0.9971529,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2481504827737808},{"word":"a","start":335.72998,"end":335.88998,"confidence":0.91674346,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28458571434020996},{"word":"high","start":335.88998,"end":336.05,"confidence":0.99281436,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.3199355900287628},{"word":"growth","start":336.05,"end":336.28998,"confidence":0.9872054,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.3821412324905395},{"word":"investor","start":336.28998,"end":336.735,"confidence":0.91102123,"punctuated_word":"investor.","sentiment":"neutral","sentiment_score":0.21995247900485992},{"word":"you","start":336.735,"end":336.895,"confidence":0.99891186,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.27190232276916504},{"word":"were","start":336.895,"end":337.13498,"confidence":0.96478856,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.2679274380207062},{"word":"quite","start":337.13498,"end":337.375,"confidence":0.9997999,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.27454325556755066},{"word":"comfortable","start":337.375,"end":337.775,"confidence":0.99985087,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.2281050831079483},{"word":"with","start":337.775,"end":338.01498,"confidence":0.9988794,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.30680862069129944},{"word":"it","start":338.01498,"end":338.175,"confidence":0.67197824,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.23167818784713745},{"word":"so","start":338.175,"end":338.57498,"confidence":0.98971295,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2117774784564972},{"word":"not","start":338.57498,"end":338.81497,"confidence":0.95248437,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1884213984012604},{"word":"making","start":338.81497,"end":339.055,"confidence":0.9997342,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.12324082106351852},{"word":"any","start":339.055,"end":339.375,"confidence":0.99903035,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08765122294425964},{"word":"changes","start":339.375,"end":339.875,"confidence":0.99981576,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.007482849061489105},{"word":"at","start":339.935,"end":340.175,"confidence":0.9997495,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1557828038930893},{"word":"all","start":340.175,"end":340.675,"confidence":0.99988174,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.20513905584812164},{"word":"in","start":340.81497,"end":341.055,"confidence":0.8824624,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10637922585010529},{"word":"regards","start":341.055,"end":341.53497,"confidence":0.96405023,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.10403019189834596},{"word":"through","start":341.53497,"end":341.775,"confidence":0.72406954,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14960794150829315},{"word":"that","start":341.775,"end":342.01498,"confidence":0.77687573,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1642579436302185},{"word":"just","start":342.01498,"end":342.335,"confidence":0.9990089,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.17757485806941986},{"word":"literally","start":342.335,"end":342.735,"confidence":0.98445916,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":0.14782287180423737},{"word":"swapping","start":342.735,"end":343.13498,"confidence":0.99819535,"punctuated_word":"swapping","sentiment":"neutral","sentiment_score":0.1772899031639099},{"word":"and","start":343.13498,"end":343.29498,"confidence":0.9991474,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1860973089933395},{"word":"changing","start":343.29498,"end":343.775,"confidence":0.9970361,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.21522919833660129},{"word":"some","start":343.775,"end":344.01498,"confidence":0.9998216,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1440144032239914},{"word":"of","start":344.01498,"end":344.175,"confidence":0.9998642,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15612570941448212},{"word":"the","start":344.175,"end":344.335,"confidence":0.9995297,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14647501707077026},{"word":"investments","start":344.335,"end":344.835,"confidence":0.9617959,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.03973828628659248},{"word":"for","start":345.055,"end":345.215,"confidence":0.99956864,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1576921045780182},{"word":"you","start":345.215,"end":345.715,"confidence":0.99965346,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.14871516823768616},{"word":"now","start":348.25497,"end":348.655,"confidence":0.6756057,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06947783380746841},{"word":"if","start":348.655,"end":348.81497,"confidence":0.99460286,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05536602437496185},{"word":"you","start":348.81497,"end":348.97498,"confidence":0.99992645,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05504552274942398},{"word":"wanna","start":348.97498,"end":349.29498,"confidence":0.9774984,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0644075870513916},{"word":"scroll","start":349.29498,"end":349.53497,"confidence":0.9892898,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.047239333391189575},{"word":"to","start":349.53497,"end":349.775,"confidence":0.989972,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06566619873046875},{"word":"page","start":349.775,"end":350.275,"confidence":0.99598455,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.05218448489904404},{"word":"12","start":350.495,"end":350.995,"confidence":0.99916077,"punctuated_word":"12","sentiment":"neutral","sentiment_score":0.061778150498867035},{"word":"for","start":351.53497,"end":351.775,"confidence":0.8575187,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0448412150144577},{"word":"me","start":351.775,"end":352.275,"confidence":0.9368415,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.061973705887794495},{"word":"it's","start":352.63,"end":352.87,"confidence":0.7437838,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06442989408969879},{"word":"basically","start":352.87,"end":353.37,"confidence":0.980899,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.08984661102294922},{"word":"yep","start":354.39,"end":354.79,"confidence":0.9880996,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.058565665036439896},{"word":"so","start":354.79,"end":355.03,"confidence":0.999114,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08409104496240616},{"word":"this","start":355.03,"end":355.35,"confidence":0.98097974,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0793679803609848},{"word":"basically","start":355.35,"end":355.85,"confidence":0.9972084,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.07333782315254211},{"word":"outlines","start":355.91,"end":356.41,"confidence":0.9958372,"punctuated_word":"outlines","sentiment":"neutral","sentiment_score":0.090728759765625},{"word":"the","start":356.47,"end":356.63,"confidence":0.97167957,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08956518769264221},{"word":"recommendation","start":356.63,"end":357.13,"confidence":0.8384222,"punctuated_word":"recommendation.","sentiment":"neutral","sentiment_score":0.11419223248958588},{"word":"so","start":357.59,"end":357.83,"confidence":0.9989716,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15576709806919098},{"word":"i","start":357.83,"end":357.99,"confidence":0.99985635,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1620704084634781},{"word":"did","start":357.99,"end":358.23,"confidence":0.99947387,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.18777629733085632},{"word":"do","start":358.23,"end":358.47,"confidence":0.9982773,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15126650035381317},{"word":"a","start":358.47,"end":358.55,"confidence":0.9997167,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1459091305732727},{"word":"lot","start":358.55,"end":358.71,"confidence":0.9998777,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.13225030899047852},{"word":"of","start":358.71,"end":358.87,"confidence":0.99964845,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13055378198623657},{"word":"research","start":358.87,"end":359.19,"confidence":0.9064972,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.08296582847833633},{"word":"on","start":359.19,"end":359.43,"confidence":0.9998833,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08659407496452332},{"word":"your","start":359.43,"end":359.59,"confidence":0.9997472,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09625216573476791},{"word":"netwealth","start":359.59,"end":360.09,"confidence":0.6754985,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.06012102589011192},{"word":"as","start":360.23,"end":360.39,"confidence":0.996624,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11218880861997604},{"word":"well","start":360.39,"end":360.89,"confidence":0.9999789,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.11856739968061449},{"word":"just","start":361.59,"end":361.83,"confidence":0.55580336,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09766382724046709},{"word":"to","start":361.83,"end":361.99,"confidence":0.9996542,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09165525436401369},{"word":"see","start":361.99,"end":362.49,"confidence":0.9999529,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09598580747842787},{"word":"if","start":362.55,"end":363.03,"confidence":0.9996419,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09148670732975006},{"word":"there","start":363.03,"end":363.27,"confidence":0.9994394,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09893836081027985},{"word":"were","start":363.27,"end":363.51,"confidence":0.99946576,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.09723442792892456},{"word":"other","start":363.51,"end":363.75,"confidence":0.9997851,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.11367017030715942},{"word":"options","start":363.75,"end":364.23,"confidence":0.9994604,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.07798837870359421},{"word":"out","start":364.23,"end":364.47,"confidence":0.99966705,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12766841053962708},{"word":"there","start":364.47,"end":364.63,"confidence":0.9990497,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.13250072300434113},{"word":"that","start":364.63,"end":364.87,"confidence":0.99621236,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1398850679397583},{"word":"was","start":364.87,"end":365.03,"confidence":0.9413475,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.15811540186405182},{"word":"going","start":365.03,"end":365.27,"confidence":0.9996606,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2020653486251831},{"word":"to","start":365.27,"end":365.43,"confidence":0.99805695,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17934785783290863},{"word":"be","start":365.43,"end":365.67,"confidence":0.999706,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.201898530125618},{"word":"quite","start":365.67,"end":366.17,"confidence":0.99934226,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.18796929717063904},{"word":"competitive","start":366.23,"end":366.73,"confidence":0.98797995,"punctuated_word":"competitive","sentiment":"neutral","sentiment_score":0.15442264080047607},{"word":"to","start":367.03,"end":367.27,"confidence":0.91025007,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14984636008739471},{"word":"netwealth","start":367.27,"end":367.77,"confidence":0.9653851,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.08991134166717529},{"word":"just","start":367.955,"end":368.115,"confidence":0.9998951,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13184107840061188},{"word":"to","start":368.115,"end":368.275,"confidence":0.9996723,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12439348548650742},{"word":"make","start":368.275,"end":368.355,"confidence":0.9998311,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.20588861405849457},{"word":"sure","start":368.355,"end":368.675,"confidence":0.9998079,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.29240143299102783},{"word":"we","start":368.675,"end":368.755,"confidence":0.9656302,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3131150007247925},{"word":"do","start":368.755,"end":368.915,"confidence":0.979834,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3061983287334442},{"word":"have","start":368.915,"end":369.075,"confidence":0.64748096,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3204367160797119},{"word":"you","start":369.075,"end":369.155,"confidence":0.66090614,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2601664066314697},{"word":"in","start":369.155,"end":369.235,"confidence":0.8292166,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.27723848819732666},{"word":"the","start":369.235,"end":369.395,"confidence":0.9991278,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2297779619693756},{"word":"best","start":369.395,"end":369.635,"confidence":0.99975353,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.20509712398052216},{"word":"option","start":369.635,"end":370.135,"confidence":0.88439786,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":0.17161506414413452},{"word":"and","start":370.915,"end":371.075,"confidence":0.8245504,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4278532564640045},{"word":"netwealth","start":371.075,"end":371.555,"confidence":0.9139417,"punctuated_word":"Netwealth","sentiment":"positive","sentiment_score":0.3851974606513977},{"word":"still","start":371.555,"end":371.955,"confidence":0.77069426,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4951184391975403},{"word":"very","start":371.955,"end":372.115,"confidence":0.99435115,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.546523928642273},{"word":"much","start":372.115,"end":372.435,"confidence":0.99983656,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5700138211250305},{"word":"is","start":372.435,"end":372.935,"confidence":0.98375756,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5176287889480591},{"word":"a","start":373.075,"end":373.235,"confidence":0.9783313,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5484095811843872},{"word":"very","start":373.235,"end":373.475,"confidence":0.99927145,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5960167050361633},{"word":"good","start":373.475,"end":373.715,"confidence":0.99985945,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5069887638092041},{"word":"option","start":373.715,"end":374.195,"confidence":0.99978894,"punctuated_word":"option","sentiment":"positive","sentiment_score":0.3697271943092346},{"word":"for","start":374.195,"end":374.355,"confidence":0.99969304,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5208975076675415},{"word":"you","start":374.355,"end":374.755,"confidence":0.9992533,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4993804097175598},{"word":"that","start":374.755,"end":374.995,"confidence":0.953602,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.340064138174057},{"word":"was","start":374.995,"end":375.235,"confidence":0.9990019,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.3203808665275574},{"word":"another","start":375.235,"end":375.635,"confidence":0.9997867,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.23192116618156433},{"word":"one","start":375.635,"end":375.875,"confidence":0.9993025,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.18788784742355347},{"word":"i","start":375.875,"end":376.035,"confidence":0.99919015,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2815857231616974},{"word":"did","start":376.035,"end":376.515,"confidence":0.9995765,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.26183053851127625},{"word":"consider","start":376.515,"end":377.015,"confidence":0.9980297,"punctuated_word":"consider.","sentiment":"neutral","sentiment_score":0.269788920879364},{"word":"it","start":377.715,"end":377.955,"confidence":0.99161595,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.31236371397972107},{"word":"was","start":377.955,"end":378.435,"confidence":0.9998418,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.3964519202709198},{"word":"slightly","start":378.435,"end":378.935,"confidence":0.9995517,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":0.29028376936912537},{"word":"cheaper","start":378.995,"end":379.395,"confidence":0.99894446,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.24444618821144104},{"word":"in","start":379.395,"end":379.635,"confidence":0.98402774,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.35151758790016174},{"word":"administration","start":379.635,"end":380.135,"confidence":0.99722594,"punctuated_word":"administration","sentiment":"neutral","sentiment_score":0.21531018614768985},{"word":"fees","start":380.755,"end":381.255,"confidence":0.65978557,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.279461532831192},{"word":"similar","start":381.56998,"end":381.81,"confidence":0.9995894,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.2713485658168793},{"word":"with","start":381.81,"end":382.28998,"confidence":0.9998134,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3013981580734253},{"word":"investment","start":382.28998,"end":382.78998,"confidence":0.9724454,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.12309610843658449},{"word":"choices","start":383.00998,"end":383.50998,"confidence":0.9471971,"punctuated_word":"choices.","sentiment":"neutral","sentiment_score":0.051760222762823105},{"word":"but","start":384.05,"end":384.37,"confidence":0.99913317,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.00323253870010376},{"word":"because","start":384.37,"end":384.68997,"confidence":0.99222165,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.13396450877189636},{"word":"your","start":384.68997,"end":384.93,"confidence":0.99890697,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.040003702044487},{"word":"investments","start":384.93,"end":385.43,"confidence":0.9952054,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.07309405505657196},{"word":"have","start":385.56998,"end":385.81,"confidence":0.99970585,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.017429575324058533},{"word":"grown","start":385.81,"end":386.31,"confidence":0.99889475,"punctuated_word":"grown","sentiment":"neutral","sentiment_score":0.10354557633399963},{"word":"quite","start":386.44998,"end":386.77,"confidence":0.75526714,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.05031508207321167},{"word":"a","start":386.77,"end":386.84998,"confidence":0.99970907,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05897983908653259},{"word":"lot","start":386.84998,"end":387.09,"confidence":0.98593915,"punctuated_word":"lot,","sentiment":"neutral","sentiment_score":0.011674385517835615},{"word":"which","start":387.09,"end":387.33,"confidence":0.99986553,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.04518285393714905},{"word":"is","start":387.33,"end":387.65,"confidence":0.99935144,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.29848653078079224},{"word":"great","start":387.65,"end":388.15,"confidence":0.9816009,"punctuated_word":"great,","sentiment":"positive","sentiment_score":0.3446720242500305},{"word":"by","start":388.84998,"end":389.09,"confidence":0.8829648,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.08012202382087708},{"word":"making","start":389.09,"end":389.59,"confidence":0.9998815,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.1626984030008316},{"word":"the","start":389.65,"end":389.96997,"confidence":0.7602602,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2182370126247406},{"word":"switch","start":389.96997,"end":390.46997,"confidence":0.9987815,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.2611180245876312},{"word":"through","start":390.61,"end":390.84998,"confidence":0.80972165,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14449219405651093},{"word":"a","start":390.84998,"end":391.00998,"confidence":0.9992244,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10794410854578018},{"word":"new","start":391.00998,"end":391.25,"confidence":0.99998164,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.04126639664173126},{"word":"option","start":391.25,"end":391.75,"confidence":0.9952656,"punctuated_word":"option,","sentiment":"neutral","sentiment_score":0.020306505262851715},{"word":"you","start":392.61,"end":392.77,"confidence":0.9913492,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0964975506067276},{"word":"would","start":392.77,"end":393.00998,"confidence":0.9998857,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.03971904516220093},{"word":"have","start":393.00998,"end":393.25,"confidence":0.99980646,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08082988858222961},{"word":"to","start":393.25,"end":393.40997,"confidence":0.9995603,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13993969559669495},{"word":"sell","start":393.40997,"end":393.72998,"confidence":0.95039034,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.3021848201751709},{"word":"down","start":393.72998,"end":393.96997,"confidence":0.9836115,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.2151036113500595},{"word":"all","start":393.96997,"end":394.12997,"confidence":0.99781585,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.14405757188796997},{"word":"your","start":394.12997,"end":394.37,"confidence":0.9986572,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.21620967984199524},{"word":"investments","start":394.37,"end":394.87,"confidence":0.88031197,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":-0.19607940316200256},{"word":"which","start":395.00998,"end":395.25,"confidence":0.9998969,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.17604295909404755},{"word":"will","start":395.25,"end":395.49,"confidence":0.9818928,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.1418830156326294},{"word":"trigger","start":395.49,"end":395.88998,"confidence":0.99989915,"punctuated_word":"trigger","sentiment":"neutral","sentiment_score":-0.017205342650413513},{"word":"a","start":395.88998,"end":396.05,"confidence":0.99923205,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.020902343094348907},{"word":"capital","start":396.05,"end":396.53,"confidence":0.9936417,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.189715638756752},{"word":"gains","start":396.53,"end":396.93,"confidence":0.85783035,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.1543956995010376},{"word":"tax","start":396.93,"end":397.305,"confidence":0.9864553,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.08872276544570923},{"word":"of","start":398.185,"end":398.345,"confidence":0.9998721,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.016533106565475464},{"word":"6,966","start":398.345,"end":400.505,"confidence":0.9280389,"punctuated_word":"6,966.","sentiment":"neutral","sentiment_score":0.003074420616030693},{"word":"and","start":400.505,"end":400.745,"confidence":0.9976857,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.13832658529281616},{"word":"the","start":400.745,"end":400.985,"confidence":0.99879396,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2532922029495239},{"word":"minimal","start":400.985,"end":401.38498,"confidence":0.9953531,"punctuated_word":"minimal","sentiment":"neutral","sentiment_score":-0.25079238414764404},{"word":"changes","start":401.38498,"end":401.705,"confidence":0.99893063,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.2965747117996216},{"word":"in","start":401.705,"end":401.945,"confidence":0.9928455,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3416863977909088},{"word":"admisie","start":401.945,"end":402.425,"confidence":0.31102556,"punctuated_word":"Admisie","sentiment":"neutral","sentiment_score":-0.31289827823638916},{"word":"just","start":402.425,"end":402.66498,"confidence":0.9733751,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.26693087816238403},{"word":"wasn't","start":402.66498,"end":402.905,"confidence":0.9978111,"punctuated_word":"wasn't","sentiment":"negative","sentiment_score":-0.33921560645103455},{"word":"worth","start":402.905,"end":403.225,"confidence":0.998509,"punctuated_word":"worth","sentiment":"negative","sentiment_score":-0.38836267590522766},{"word":"you","start":403.225,"end":403.38498,"confidence":0.9905765,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.36533740162849426},{"word":"paying","start":403.38498,"end":403.705,"confidence":0.9944891,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.3065783679485321},{"word":"almost","start":403.705,"end":404.025,"confidence":0.99732435,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":-0.2386334091424942},{"word":"7,000","start":404.025,"end":404.745,"confidence":0.99963224,"punctuated_word":"7,000","sentiment":"neutral","sentiment_score":-0.23094196617603305},{"word":"in","start":404.745,"end":404.82498,"confidence":0.99085367,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.298807293176651},{"word":"tax","start":404.82498,"end":405.32498,"confidence":0.99850506,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.1688980609178543},{"word":"does","start":406.345,"end":406.585,"confidence":0.9877314,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":-0.006040997803211212},{"word":"that","start":406.585,"end":406.745,"confidence":0.9999145,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01158333569765091},{"word":"make","start":406.745,"end":406.985,"confidence":0.9940977,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.00973379611968994},{"word":"sense","start":406.985,"end":407.485,"confidence":0.9998773,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.0007721036672592163},{"word":"yes","start":408.345,"end":408.845,"confidence":0.8229693,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.21894213557243347},{"word":"perfect","start":408.905,"end":409.405,"confidence":0.99884117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5954903960227966},{"word":"now","start":409.865,"end":410.10498,"confidence":0.9926717,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.4051024317741394},{"word":"this","start":410.10498,"end":410.26498,"confidence":0.996148,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.3203875422477722},{"word":"basically","start":410.26498,"end":410.76498,"confidence":0.9945538,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.2985086739063263},{"word":"puts","start":410.82498,"end":411.32498,"confidence":0.95378697,"punctuated_word":"puts","sentiment":"neutral","sentiment_score":0.2719508707523346},{"word":"all","start":411.625,"end":411.785,"confidence":0.96722466,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.38759922981262207},{"word":"of","start":411.785,"end":411.945,"confidence":0.99966097,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.33437734842300415},{"word":"that","start":411.945,"end":412.185,"confidence":0.9998055,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2750694751739502},{"word":"in","start":412.185,"end":412.425,"confidence":0.99650466,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2946232557296753},{"word":"words","start":412.425,"end":412.925,"confidence":0.97705567,"punctuated_word":"words","sentiment":"neutral","sentiment_score":0.30546054244041443},{"word":"for","start":413.23,"end":413.47,"confidence":0.9786219,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.33841556310653687},{"word":"you","start":413.47,"end":413.63,"confidence":0.99182785,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3851122558116913},{"word":"it","start":413.63,"end":413.95,"confidence":0.9984951,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.38325151801109314},{"word":"will","start":413.95,"end":414.11002,"confidence":0.9997602,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.35362744331359863},{"word":"outline","start":414.11002,"end":414.51,"confidence":0.99961287,"punctuated_word":"outline","sentiment":"positive","sentiment_score":0.4228138029575348},{"word":"the","start":414.51,"end":414.75,"confidence":0.999762,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35318827629089355},{"word":"advantages","start":414.75,"end":415.25,"confidence":0.99947757,"punctuated_word":"advantages","sentiment":"positive","sentiment_score":0.3349478244781494},{"word":"in","start":415.39,"end":415.55002,"confidence":0.99954766,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4454902708530426},{"word":"regards","start":415.55002,"end":415.95,"confidence":0.99635893,"punctuated_word":"regards","sentiment":"positive","sentiment_score":0.454594224691391},{"word":"to","start":415.95,"end":416.11002,"confidence":0.52316576,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.469904899597168},{"word":"the","start":416.11002,"end":416.43,"confidence":0.9947621,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4579962491989136},{"word":"recommendations","start":416.43,"end":416.93,"confidence":0.47593755,"punctuated_word":"recommendations.","sentiment":"positive","sentiment_score":0.39055976271629333},{"word":"so","start":417.15,"end":417.39,"confidence":0.7324376,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3335849344730377},{"word":"keeping","start":417.39,"end":417.79,"confidence":0.99746776,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.23558002710342407},{"word":"you","start":417.79,"end":417.95,"confidence":0.9685287,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30084848403930664},{"word":"in","start":417.95,"end":418.19,"confidence":0.9900399,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3088138699531555},{"word":"net","start":418.19,"end":418.27002,"confidence":0.7483657,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.24688652157783508},{"word":"worth","start":418.27002,"end":418.77002,"confidence":0.852739,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.19716623425483704},{"word":"by","start":419.07,"end":419.31,"confidence":0.98019695,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.25220710039138794},{"word":"changing","start":419.31,"end":419.79,"confidence":0.9988708,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.24840480089187625},{"word":"some","start":419.79,"end":420.03,"confidence":0.9997004,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.17779335379600525},{"word":"of","start":420.03,"end":420.11002,"confidence":0.99986875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2103792428970337},{"word":"the","start":420.11002,"end":420.35,"confidence":0.99956995,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16498613357543945},{"word":"investments","start":420.35,"end":420.85,"confidence":0.95735174,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.11271996051073074},{"word":"what","start":421.31,"end":421.55002,"confidence":0.9989441,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.07889191061258316},{"word":"those","start":421.55002,"end":421.79,"confidence":0.99195147,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1002143919467926},{"word":"changes","start":421.79,"end":422.27002,"confidence":0.99933463,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.037269286811351776},{"word":"are","start":422.27002,"end":422.43,"confidence":0.89366347,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.0843246579170227},{"word":"i'll","start":422.43,"end":422.67,"confidence":0.94939154,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08882114291191101},{"word":"go","start":422.67,"end":422.91,"confidence":0.96020836,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11241957545280457},{"word":"over","start":422.91,"end":423.31,"confidence":0.99835145,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1363110989332199},{"word":"with","start":423.31,"end":423.47,"confidence":0.99488467,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.036500558257102966},{"word":"you","start":423.47,"end":423.95,"confidence":0.9995553,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08326636254787445},{"word":"shortly","start":423.95,"end":424.45,"confidence":0.9879391,"punctuated_word":"shortly.","sentiment":"neutral","sentiment_score":0.0784558355808258},{"word":"you","start":424.99002,"end":425.15,"confidence":0.99803215,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.09696420282125472},{"word":"will","start":425.15,"end":425.31,"confidence":0.963621,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.10489986091852188},{"word":"have","start":425.31,"end":425.55002,"confidence":0.9998648,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08972622454166412},{"word":"some","start":425.55002,"end":425.79,"confidence":0.9996805,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.11147944629192352},{"word":"disadvantages","start":425.79,"end":426.29,"confidence":0.99888104,"punctuated_word":"disadvantages","sentiment":"neutral","sentiment_score":-0.2381259799003601},{"word":"and","start":426.75,"end":427.15,"confidence":0.99797875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2912040054798126},{"word":"some","start":427.15,"end":427.47,"confidence":0.9996995,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.2692263722419739},{"word":"risks","start":427.47,"end":427.875,"confidence":0.9387955,"punctuated_word":"risks","sentiment":"neutral","sentiment_score":-0.2900186777114868},{"word":"associated","start":428.195,"end":428.695,"confidence":0.99915445,"punctuated_word":"associated","sentiment":"neutral","sentiment_score":-0.19945958256721497},{"word":"as","start":429.475,"end":429.875,"confidence":0.6099483,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1639733910560608},{"word":"well","start":429.875,"end":430.115,"confidence":0.83587563,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.18174760043621063},{"word":"so","start":430.115,"end":430.355,"confidence":0.7053445,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09758004546165466},{"word":"one","start":430.355,"end":430.515,"confidence":0.9991629,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.11579553782939912},{"word":"of","start":430.515,"end":430.675,"confidence":0.99951935,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12702032923698425},{"word":"the","start":430.675,"end":430.755,"confidence":0.9994962,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15118199586868286},{"word":"risk","start":430.755,"end":431.075,"confidence":0.57025236,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.1790214478969574},{"word":"is","start":431.075,"end":431.235,"confidence":0.9703555,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2043243497610092},{"word":"that","start":431.235,"end":431.395,"confidence":0.9990528,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.19526468217372897},{"word":"there's","start":431.395,"end":431.715,"confidence":0.9984939,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.2282373607158661},{"word":"always","start":431.715,"end":432.035,"confidence":0.99967706,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.150890052318573},{"word":"a","start":432.035,"end":432.115,"confidence":0.5805601,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17911198735237122},{"word":"level","start":432.115,"end":432.435,"confidence":0.9998715,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.21015864610671997},{"word":"of","start":432.435,"end":432.675,"confidence":0.99956197,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20127785205841064},{"word":"risk","start":432.675,"end":433.075,"confidence":0.99658763,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.17553962767124176},{"word":"associated","start":433.075,"end":433.575,"confidence":0.9994154,"punctuated_word":"associated","sentiment":"neutral","sentiment_score":-0.13304473459720612},{"word":"with","start":433.715,"end":433.875,"confidence":0.9998337,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.12233512848615646},{"word":"any","start":433.875,"end":434.275,"confidence":0.9997055,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.13334771990776062},{"word":"investment","start":434.275,"end":434.775,"confidence":0.99744654,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.17510195076465607},{"word":"option","start":434.835,"end":435.335,"confidence":0.95955414,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":-0.15913811326026917},{"word":"that","start":437.475,"end":437.635,"confidence":0.9880504,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.012653842568397522},{"word":"all","start":437.635,"end":437.795,"confidence":0.94987774,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.026689596474170685},{"word":"makes","start":437.795,"end":438.035,"confidence":0.52559227,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.010998472571372986},{"word":"sense","start":438.035,"end":438.195,"confidence":0.9994943,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":-0.04579433798789978},{"word":"so","start":438.195,"end":438.435,"confidence":0.99545234,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.01350514590740204},{"word":"far","start":438.435,"end":438.935,"confidence":0.9981234,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":-0.029526883736252785},{"word":"yes","start":439.475,"end":439.975,"confidence":0.9297552,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08334610611200333},{"word":"perfect","start":440.34,"end":440.84,"confidence":0.99979913,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.29160618782043457},{"word":"so","start":441.06,"end":441.30002,"confidence":0.99721473,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13171255588531494},{"word":"what","start":441.30002,"end":441.54,"confidence":0.99799407,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13219419121742249},{"word":"i'll","start":441.54,"end":441.78,"confidence":0.9997523,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.13922083377838135},{"word":"actually","start":441.78,"end":442.1,"confidence":0.998845,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.13105596601963043},{"word":"get","start":442.1,"end":442.34,"confidence":0.99981076,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1295669823884964},{"word":"you","start":442.34,"end":442.5,"confidence":0.99984014,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09983783215284348},{"word":"to","start":442.5,"end":442.66,"confidence":0.9992993,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11071228981018066},{"word":"do","start":442.66,"end":443.06,"confidence":0.99780065,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12362222373485564},{"word":"first","start":443.06,"end":443.30002,"confidence":0.9209174,"punctuated_word":"first,","sentiment":"neutral","sentiment_score":0.13064032793045044},{"word":"if","start":443.30002,"end":443.46,"confidence":0.99801314,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15150496363639832},{"word":"you","start":443.46,"end":443.62,"confidence":0.99992836,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09394392371177672},{"word":"wanna","start":443.62,"end":443.94,"confidence":0.9949221,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.10238812118768692},{"word":"scroll","start":443.94,"end":444.26,"confidence":0.99957424,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.10104244202375412},{"word":"down","start":444.26,"end":444.5,"confidence":0.9996886,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.12491841614246368},{"word":"to","start":444.5,"end":444.74002,"confidence":0.9974311,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11606700718402864},{"word":"page","start":444.74002,"end":445.22,"confidence":0.9994134,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.09652689099311829},{"word":"17","start":445.22,"end":445.72,"confidence":0.9997422,"punctuated_word":"17","sentiment":"neutral","sentiment_score":0.10880660265684128},{"word":"for","start":446.1,"end":446.34,"confidence":0.9958911,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09219064563512802},{"word":"me","start":446.34,"end":446.84,"confidence":0.9914303,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.10585829615592957},{"word":"it","start":447.22,"end":447.54,"confidence":0.9623255,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08513298630714417},{"word":"should","start":447.54,"end":448.04,"confidence":0.999833,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.05562444031238556},{"word":"say","start":448.1,"end":448.6,"confidence":0.99854386,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.07721614837646484},{"word":"the","start":448.66,"end":449.06,"confidence":0.6351309,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06949073821306229},{"word":"comparison","start":449.06,"end":449.56,"confidence":0.9994723,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.06494675576686859},{"word":"table","start":449.78,"end":450.28,"confidence":0.9424572,"punctuated_word":"table.","sentiment":"neutral","sentiment_score":0.04964091256260872},{"word":"17","start":459.07498,"end":459.57498,"confidence":0.7682983,"punctuated_word":"17.","sentiment":"neutral","sentiment_score":0.04262880235910416},{"word":"and","start":460.275,"end":460.51498,"confidence":0.98158777,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.032386280596256256},{"word":"it's","start":460.51498,"end":460.675,"confidence":0.9983447,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05197334289550781},{"word":"like","start":460.675,"end":460.91498,"confidence":0.73893213,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05378450080752373},{"word":"a","start":460.91498,"end":461.07498,"confidence":0.99605113,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0633130818605423},{"word":"table","start":461.07498,"end":461.555,"confidence":0.9995283,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.0533866323530674},{"word":"with","start":461.555,"end":461.79498,"confidence":0.9996413,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06572728604078293},{"word":"some","start":461.79498,"end":462.115,"confidence":0.9981998,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.04755706340074539},{"word":"numbers","start":462.115,"end":462.615,"confidence":0.9070363,"punctuated_word":"numbers.","sentiment":"neutral","sentiment_score":0.05086356773972511},{"word":"perfect","start":464.035,"end":464.535,"confidence":0.9996207,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2501683533191681},{"word":"this","start":464.675,"end":464.91498,"confidence":0.87040406,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.0803443193435669},{"word":"often","start":464.91498,"end":465.41498,"confidence":0.9959778,"punctuated_word":"often","sentiment":"neutral","sentiment_score":0.08252718299627304},{"word":"yeah","start":466.18002,"end":466.5,"confidence":0.98890406,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1336820423603058},{"word":"now","start":466.5,"end":466.74002,"confidence":0.9500471,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.1634528487920761},{"word":"this","start":466.74002,"end":466.98,"confidence":0.98915523,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.15126290917396543},{"word":"often","start":466.98,"end":467.22,"confidence":0.99758375,"punctuated_word":"often","sentiment":"neutral","sentiment_score":0.23179349303245544},{"word":"makes","start":467.22,"end":467.38,"confidence":0.9990453,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.20723433792591095},{"word":"it","start":467.38,"end":467.46002,"confidence":0.9971411,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1775662899017334},{"word":"a","start":467.46002,"end":467.54,"confidence":0.9986999,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21108755469322205},{"word":"bit","start":467.54,"end":467.78,"confidence":0.99896836,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.17898228764533997},{"word":"easier","start":467.78,"end":468.18002,"confidence":0.99975854,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.18924599885940552},{"word":"to","start":468.18002,"end":468.34,"confidence":0.999496,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19533097743988037},{"word":"see","start":468.34,"end":468.66,"confidence":0.97246516,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.21018296480178833},{"word":"which","start":468.66,"end":468.82,"confidence":0.9999453,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.20791314542293549},{"word":"is","start":468.82,"end":468.98,"confidence":0.99872535,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17677690088748932},{"word":"kind","start":468.98,"end":469.14,"confidence":0.99511284,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.21206319332122803},{"word":"of","start":469.14,"end":469.30002,"confidence":0.999841,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19861680269241333},{"word":"all","start":469.30002,"end":469.46002,"confidence":0.9964378,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2262420803308487},{"word":"the","start":469.46002,"end":469.54,"confidence":0.9997061,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17150841653347015},{"word":"words","start":469.54,"end":469.78,"confidence":0.9933896,"punctuated_word":"words","sentiment":"neutral","sentiment_score":0.16908517479896543},{"word":"that","start":469.78,"end":470.02002,"confidence":0.99698275,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1978186070919037},{"word":"i","start":470.02002,"end":470.1,"confidence":0.72755325,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16608306765556335},{"word":"talked","start":470.1,"end":470.34,"confidence":0.9880851,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.16593681275844574},{"word":"about","start":470.34,"end":470.84,"confidence":0.9994357,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1981794536113739},{"word":"earlier","start":471.06,"end":471.56,"confidence":0.90402436,"punctuated_word":"earlier.","sentiment":"neutral","sentiment_score":0.15304431319236755},{"word":"but","start":471.78,"end":472.1,"confidence":0.94455993,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.12533509731292725},{"word":"essentially","start":472.1,"end":472.6,"confidence":0.99987113,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.12098367512226103},{"word":"you","start":472.74002,"end":472.9,"confidence":0.9999049,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16036733984947205},{"word":"can","start":472.9,"end":473.14,"confidence":0.99995816,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1711527854204178},{"word":"see","start":473.14,"end":473.38,"confidence":0.9997615,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.16712093353271484},{"word":"here","start":473.38,"end":473.62,"confidence":0.99886775,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.1611088216304779},{"word":"your","start":473.62,"end":473.78,"confidence":0.9990146,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10267890244722366},{"word":"current","start":473.78,"end":474.28,"confidence":0.99996245,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.10151606798171996},{"word":"situation","start":474.5,"end":475.0,"confidence":0.91573185,"punctuated_word":"situation.","sentiment":"neutral","sentiment_score":0.1388539969921112},{"word":"so","start":475.22,"end":475.46002,"confidence":0.9924246,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16726835072040558},{"word":"you","start":475.46002,"end":475.54,"confidence":0.9998233,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1887296438217163},{"word":"can","start":475.54,"end":475.78,"confidence":0.9997608,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1855206936597824},{"word":"see","start":475.78,"end":476.02002,"confidence":0.99822086,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.20027634501457217},{"word":"your","start":476.02002,"end":476.26,"confidence":0.9995346,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16025516390800476},{"word":"current","start":476.26,"end":476.58002,"confidence":0.9998425,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.15441137552261353},{"word":"net","start":476.58002,"end":476.82,"confidence":0.57031095,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.19064147770404816},{"word":"worth","start":476.82,"end":477.32,"confidence":0.9204825,"punctuated_word":"worth,","sentiment":"neutral","sentiment_score":0.18199095129966736},{"word":"what","start":477.54,"end":477.7,"confidence":0.9998066,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2180696576833725},{"word":"you","start":477.7,"end":477.94,"confidence":0.9996655,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22518828511238095},{"word":"are","start":477.94,"end":478.1,"confidence":0.99936634,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1892789900302887},{"word":"paying","start":478.1,"end":478.34,"confidence":0.9998319,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.11009550839662552},{"word":"for","start":478.34,"end":478.74002,"confidence":0.99755716,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14494991302490234},{"word":"in","start":478.74002,"end":478.9,"confidence":0.95713013,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1199621558189392},{"word":"that","start":478.9,"end":479.14,"confidence":0.35407278,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15832871198654175},{"word":"fees","start":479.14,"end":479.64,"confidence":0.8460262,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.13955965638160706},{"word":"you","start":480.135,"end":480.215,"confidence":0.9944449,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.17270448803901672},{"word":"can","start":480.215,"end":480.375,"confidence":0.99978536,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19847293198108673},{"word":"then","start":480.375,"end":480.775,"confidence":0.9988558,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1881140768527985},{"word":"also","start":480.775,"end":481.275,"confidence":0.99768317,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.16848619282245636},{"word":"see","start":481.335,"end":481.815,"confidence":0.9997534,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.19909903407096863},{"word":"your","start":481.815,"end":482.295,"confidence":0.99975663,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17021529376506803},{"word":"five","start":482.295,"end":482.615,"confidence":0.9994936,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.1590968668460846},{"word":"year","start":482.615,"end":482.855,"confidence":0.9968631,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.197300985455513},{"word":"rolling","start":482.855,"end":483.355,"confidence":0.99056387,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.1563425064086914},{"word":"average","start":483.415,"end":483.915,"confidence":0.9994773,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.12702111899852753},{"word":"on","start":484.455,"end":484.615,"confidence":0.6174109,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.163621723651886},{"word":"your","start":484.615,"end":484.855,"confidence":0.9994367,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1185825765132904},{"word":"current","start":484.855,"end":485.335,"confidence":0.9997074,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.08957116305828094},{"word":"portfolio","start":485.335,"end":485.835,"confidence":0.9993206,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.08940653502941132},{"word":"so","start":486.695,"end":487.195,"confidence":0.99598515,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19287824630737305},{"word":"what","start":487.335,"end":487.575,"confidence":0.9988086,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2594176232814789},{"word":"i","start":487.575,"end":487.655,"confidence":0.9999651,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.296114444732666},{"word":"have","start":487.655,"end":487.895,"confidence":0.99983835,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3012520670890808},{"word":"recommended","start":487.895,"end":488.375,"confidence":0.9540089,"punctuated_word":"recommended,","sentiment":"neutral","sentiment_score":0.3171338737010956},{"word":"you","start":488.375,"end":488.455,"confidence":0.9555578,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3483857214450836},{"word":"can","start":488.455,"end":488.695,"confidence":0.99969137,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.32173973321914673},{"word":"see","start":488.695,"end":488.855,"confidence":0.9988194,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.34231388568878174},{"word":"on","start":488.855,"end":489.01498,"confidence":0.9831057,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.304402619600296},{"word":"the","start":489.01498,"end":489.095,"confidence":0.9988489,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2837883234024048},{"word":"other","start":489.095,"end":489.495,"confidence":0.99971336,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.21658547222614288},{"word":"side","start":489.495,"end":489.995,"confidence":0.922375,"punctuated_word":"side,","sentiment":"neutral","sentiment_score":0.2254123091697693},{"word":"staying","start":490.135,"end":490.455,"confidence":0.998099,"punctuated_word":"staying","sentiment":"neutral","sentiment_score":0.2212047427892685},{"word":"within","start":490.455,"end":490.955,"confidence":0.99980766,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.208405077457428},{"word":"net","start":491.01498,"end":491.175,"confidence":0.95949715,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.19567209482192993},{"word":"wealth","start":491.175,"end":491.575,"confidence":0.73005134,"punctuated_word":"wealth,","sentiment":"neutral","sentiment_score":0.22428619861602783},{"word":"but","start":491.575,"end":491.895,"confidence":0.98815584,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.22906513512134552},{"word":"changing","start":491.895,"end":492.395,"confidence":0.9991912,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.21478316187858584},{"word":"some","start":492.455,"end":492.615,"confidence":0.9992933,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.19543328881263733},{"word":"of","start":492.615,"end":492.775,"confidence":0.99967766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24264703691005707},{"word":"those","start":492.775,"end":493.095,"confidence":0.9988794,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.21253013610839844},{"word":"investments","start":493.095,"end":493.595,"confidence":0.9273212,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.136348694562912},{"word":"and","start":494.65,"end":494.81,"confidence":0.99920243,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3473384976387024},{"word":"you","start":494.81,"end":495.05,"confidence":0.9998703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.39533594250679016},{"word":"can","start":495.05,"end":495.37,"confidence":0.99951303,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4213857650756836},{"word":"actually","start":495.37,"end":495.85,"confidence":0.99573696,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.3832073211669922},{"word":"see","start":495.85,"end":496.09,"confidence":0.9964573,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.46021968126297},{"word":"that","start":496.09,"end":496.41,"confidence":0.9998399,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4238405227661133},{"word":"by","start":496.41,"end":496.73,"confidence":0.99348384,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.44168737530708313},{"word":"swapping","start":496.73,"end":497.13,"confidence":0.99966276,"punctuated_word":"swapping","sentiment":"positive","sentiment_score":0.386723130941391},{"word":"the","start":497.13,"end":497.37,"confidence":0.9990835,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3695196509361267},{"word":"investments","start":497.37,"end":497.87,"confidence":0.90123665,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1366441398859024},{"word":"even","start":498.09,"end":498.33,"confidence":0.49374226,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.3098868131637573},{"word":"though","start":498.33,"end":498.57,"confidence":0.99958056,"punctuated_word":"though","sentiment":"neutral","sentiment_score":0.22200830280780792},{"word":"we","start":498.57,"end":498.73,"confidence":0.99950707,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3894195556640625},{"word":"are","start":498.73,"end":498.97,"confidence":0.99873525,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3755888342857361},{"word":"keeping","start":498.97,"end":499.37,"confidence":0.99971586,"punctuated_word":"keeping","sentiment":"positive","sentiment_score":0.35730722546577454},{"word":"you","start":499.37,"end":499.53,"confidence":0.79122436,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5032235980033875},{"word":"in","start":499.53,"end":499.61,"confidence":0.975621,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4573301672935486},{"word":"a","start":499.61,"end":499.77,"confidence":0.9891076,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4940564036369324},{"word":"high","start":499.77,"end":499.93,"confidence":0.997712,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.4245528876781464},{"word":"growth","start":499.93,"end":500.33,"confidence":0.9914875,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.4683722853660583},{"word":"portfolio","start":500.33,"end":500.83,"confidence":0.9178678,"punctuated_word":"portfolio,","sentiment":"positive","sentiment_score":0.475899875164032},{"word":"it's","start":501.77,"end":502.01,"confidence":0.82794344,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5072460770606995},{"word":"saving","start":502.01,"end":502.41,"confidence":0.99974555,"punctuated_word":"saving","sentiment":"positive","sentiment_score":0.40659651160240173},{"word":"you","start":502.41,"end":502.73,"confidence":0.99858993,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5071808695793152},{"word":"$1,185","start":502.73,"end":505.29,"confidence":0.9988813,"punctuated_word":"$1,185","sentiment":"positive","sentiment_score":0.4601184129714966},{"word":"a","start":505.29,"end":505.45,"confidence":0.99972206,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5138722658157349},{"word":"year","start":505.45,"end":505.77,"confidence":0.99997294,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.4312713146209717},{"word":"in","start":505.77,"end":506.01,"confidence":0.9992281,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4485304653644562},{"word":"investment","start":506.01,"end":506.51,"confidence":0.9898913,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.25239843130111694},{"word":"fees","start":506.57,"end":506.97,"confidence":0.9966815,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.4691189229488373},{"word":"alone","start":506.97,"end":507.47,"confidence":0.99255586,"punctuated_word":"alone,","sentiment":"neutral","sentiment_score":0.30436384677886963},{"word":"which","start":507.78497,"end":507.865,"confidence":0.9999409,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.3184431493282318},{"word":"is","start":507.865,"end":508.185,"confidence":0.9997439,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3842038214206696},{"word":"pretty","start":508.185,"end":508.425,"confidence":0.9997638,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3758194148540497},{"word":"big","start":508.425,"end":508.925,"confidence":0.9989672,"punctuated_word":"big.","sentiment":"positive","sentiment_score":0.4713155031204224},{"word":"yes","start":510.26498,"end":510.76498,"confidence":0.97786343,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10638250410556792},{"word":"now","start":511.78497,"end":512.285,"confidence":0.5843191,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06717008352279663},{"word":"at","start":512.345,"end":512.58496,"confidence":0.99139386,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0477660708129406},{"word":"the","start":512.58496,"end":512.825,"confidence":0.97707456,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0299675390124321},{"word":"top","start":512.825,"end":513.225,"confidence":0.99988925,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.04660781845450401},{"word":"where","start":513.225,"end":513.46497,"confidence":0.8816001,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.022791750729084015},{"word":"it","start":513.46497,"end":513.545,"confidence":0.9986078,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.019171280786395073},{"word":"says","start":513.545,"end":513.865,"confidence":0.99671054,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.014789799228310583},{"word":"the","start":513.865,"end":514.105,"confidence":0.9859206,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0040507130324840546},{"word":"difference","start":514.105,"end":514.605,"confidence":0.99246794,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.028445862233638763},{"word":"of","start":514.665,"end":514.825,"confidence":0.99974054,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02523423731327057},{"word":"the","start":514.825,"end":515.065,"confidence":0.9990664,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02410944178700447},{"word":"balance","start":515.065,"end":515.46497,"confidence":0.99990475,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.007265053689479828},{"word":"of","start":515.46497,"end":515.70496,"confidence":0.99509203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02486974000930786},{"word":"439","start":515.70496,"end":517.40497,"confidence":0.99674624,"punctuated_word":"439,","sentiment":"neutral","sentiment_score":0.02403471432626247},{"word":"that","start":517.865,"end":518.02496,"confidence":0.9997092,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04618489742279053},{"word":"is","start":518.02496,"end":518.265,"confidence":0.99994993,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.024579182267189022},{"word":"the","start":518.265,"end":518.505,"confidence":0.9956774,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0182795487344265},{"word":"approximate","start":518.505,"end":519.005,"confidence":0.99925536,"punctuated_word":"approximate","sentiment":"neutral","sentiment_score":-0.010810986161231996},{"word":"capital","start":519.225,"end":519.625,"confidence":0.99970394,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.013483546674251556},{"word":"gains","start":519.625,"end":520.105,"confidence":0.99331576,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.022572189569473267},{"word":"tax","start":520.105,"end":520.605,"confidence":0.9969362,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":0.00800582766532898},{"word":"so","start":521.0,"end":521.5,"confidence":0.9963876,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1055700033903122},{"word":"by","start":521.56,"end":521.88,"confidence":0.9959831,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.1805511713027954},{"word":"switching","start":521.88,"end":522.36,"confidence":0.9991535,"punctuated_word":"switching","sentiment":"neutral","sentiment_score":0.13302206993103027},{"word":"some","start":522.36,"end":522.6,"confidence":0.9998385,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1469419002532959},{"word":"of","start":522.6,"end":522.76,"confidence":0.99984336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.104315847158432},{"word":"the","start":522.76,"end":522.92,"confidence":0.9993579,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0832148939371109},{"word":"investments","start":522.92,"end":523.42,"confidence":0.99236137,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.060901135206222534},{"word":"there","start":523.48,"end":523.72,"confidence":0.99512273,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10836612433195114},{"word":"will","start":523.72,"end":523.96,"confidence":0.9999485,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07835529744625092},{"word":"be","start":523.96,"end":524.12,"confidence":0.9996319,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.004632771015167236},{"word":"some","start":524.12,"end":524.36,"confidence":0.99942756,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.006817951798439026},{"word":"tax","start":524.36,"end":524.86,"confidence":0.99870193,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.14428535103797913},{"word":"within","start":525.16,"end":525.66,"confidence":0.8469783,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.009803608059883118},{"word":"superannuation","start":525.96,"end":526.46,"confidence":0.93181616,"punctuated_word":"superannuation,","sentiment":"neutral","sentiment_score":0.09436546266078948},{"word":"and","start":527.8,"end":528.04,"confidence":0.9305206,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13875597715377808},{"word":"we've","start":528.04,"end":528.27997,"confidence":0.7547008,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.2422845363616943},{"word":"managed","start":528.27997,"end":528.68,"confidence":0.99626535,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.2698986530303955},{"word":"to","start":528.68,"end":528.76,"confidence":0.9995192,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1926037073135376},{"word":"get","start":528.76,"end":529.0,"confidence":0.99990463,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2347361445426941},{"word":"it","start":529.0,"end":529.08,"confidence":0.99893945,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13234546780586243},{"word":"down","start":529.08,"end":529.32,"confidence":0.99964213,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.13954654335975647},{"word":"to","start":529.32,"end":529.56,"confidence":0.9975249,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1258641481399536},{"word":"about","start":529.56,"end":529.88,"confidence":0.9995166,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07696409523487091},{"word":"439","start":529.88,"end":531.66,"confidence":0.99221784,"punctuated_word":"439,","sentiment":"neutral","sentiment_score":0.05653918907046318},{"word":"which","start":532.04,"end":532.27997,"confidence":0.97975713,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.01473325490951538},{"word":"isn't","start":532.27997,"end":532.6,"confidence":0.99970156,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.04021892696619034},{"word":"that","start":532.6,"end":532.83997,"confidence":0.99857974,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03302305191755295},{"word":"much","start":532.83997,"end":533.16,"confidence":0.9999181,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.043934598565101624},{"word":"given","start":533.16,"end":533.56,"confidence":0.9760351,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.08452624082565308},{"word":"the","start":533.56,"end":533.8,"confidence":0.9994536,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.014857634902000427},{"word":"investment","start":533.8,"end":534.3,"confidence":0.9981705,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.048536188900470734},{"word":"fee","start":534.36,"end":534.76,"confidence":0.9972038,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.04283197224140167},{"word":"changes","start":534.76,"end":535.26,"confidence":0.9910669,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.03975129872560501},{"word":"alone","start":535.32,"end":535.72,"confidence":0.9322286,"punctuated_word":"alone","sentiment":"neutral","sentiment_score":-0.03328484296798706},{"word":"that","start":535.72,"end":535.88,"confidence":0.998911,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1461217999458313},{"word":"you","start":535.88,"end":536.04,"confidence":0.9997274,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19954299926757812},{"word":"will","start":536.04,"end":536.2,"confidence":0.9972187,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1730431318283081},{"word":"save","start":536.2,"end":536.655,"confidence":0.9924972,"punctuated_word":"save.","sentiment":"neutral","sentiment_score":0.04933647066354752},{"word":"yep","start":537.85504,"end":538.35504,"confidence":0.94238055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20013010501861572},{"word":"now","start":538.97504,"end":539.215,"confidence":0.7423012,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.29740220308303833},{"word":"you","start":539.215,"end":539.29504,"confidence":0.9970536,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.33991745114326477},{"word":"can","start":539.29504,"end":539.53503,"confidence":0.9999007,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3050738275051117},{"word":"also","start":539.53503,"end":539.85504,"confidence":0.9990232,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2793412208557129},{"word":"see","start":539.85504,"end":540.17505,"confidence":0.98982364,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.23747435212135315},{"word":"using","start":540.17505,"end":540.67505,"confidence":0.8674155,"punctuated_word":"using","sentiment":"neutral","sentiment_score":0.29003021121025085},{"word":"the","start":540.73505,"end":540.97504,"confidence":0.9853844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3241366744041443},{"word":"same","start":540.97504,"end":541.47504,"confidence":0.99968505,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.3487720191478729},{"word":"five","start":541.61505,"end":541.93506,"confidence":0.99848074,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.25730791687965393},{"word":"year","start":541.93506,"end":542.17505,"confidence":0.99893266,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.285514771938324},{"word":"rolling","start":542.17505,"end":542.49506,"confidence":0.99929416,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.2690556049346924},{"word":"average","start":542.49506,"end":542.895,"confidence":0.99874604,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.2287515252828598},{"word":"period","start":542.895,"end":543.29504,"confidence":0.9962209,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.2827547788619995},{"word":"on","start":543.29504,"end":543.455,"confidence":0.9984219,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.32560110092163086},{"word":"the","start":543.455,"end":543.61505,"confidence":0.9997664,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34263724088668823},{"word":"new","start":543.61505,"end":543.93506,"confidence":0.99972516,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.2950236201286316},{"word":"recommended","start":543.93506,"end":544.43506,"confidence":0.9993237,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.2334737926721573},{"word":"portfolio","start":544.73505,"end":545.23505,"confidence":0.7688583,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.17936429381370544},{"word":"you","start":545.85504,"end":546.015,"confidence":0.99889046,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5170161724090576},{"word":"can","start":546.015,"end":546.335,"confidence":0.9998596,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.47539737820625305},{"word":"see","start":546.335,"end":546.575,"confidence":0.9976548,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.516950249671936},{"word":"that","start":546.575,"end":546.895,"confidence":0.9997813,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5867244601249695},{"word":"it","start":546.895,"end":547.05505,"confidence":0.97019416,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6508005261421204},{"word":"has","start":547.05505,"end":547.55505,"confidence":0.76075983,"punctuated_word":"has,","sentiment":"positive","sentiment_score":0.5095252990722656},{"word":"you","start":548.015,"end":548.17505,"confidence":0.9028131,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5910908579826355},{"word":"know","start":548.17505,"end":548.49506,"confidence":0.9939069,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.4956311583518982},{"word":"historically","start":548.49506,"end":548.99506,"confidence":0.9865878,"punctuated_word":"historically","sentiment":"positive","sentiment_score":0.6586681008338928},{"word":"performed","start":549.05505,"end":549.53503,"confidence":0.88209206,"punctuated_word":"performed","sentiment":"positive","sentiment_score":0.5476531386375427},{"word":"quite","start":549.53503,"end":549.775,"confidence":0.99909973,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.5318397879600525},{"word":"a","start":549.775,"end":549.85504,"confidence":0.9997969,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6274811029434204},{"word":"bit","start":549.85504,"end":550.015,"confidence":0.9998759,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.5157060623168945},{"word":"better","start":550.015,"end":550.335,"confidence":0.98592514,"punctuated_word":"better,","sentiment":"positive","sentiment_score":0.5615225434303284},{"word":"which","start":550.335,"end":550.575,"confidence":0.9997403,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.7021206617355347},{"word":"is","start":550.575,"end":550.73505,"confidence":0.99898833,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7586048245429993},{"word":"great","start":550.73505,"end":551.23505,"confidence":0.9951738,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.7355145215988159},{"word":"do","start":553.2,"end":553.44,"confidence":0.9978405,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.2727906405925751},{"word":"you","start":553.44,"end":553.52,"confidence":0.99989796,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2882126271724701},{"word":"have","start":553.52,"end":553.76,"confidence":0.9999001,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24116694927215576},{"word":"any","start":553.76,"end":553.92004,"confidence":0.9997769,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.25425198674201965},{"word":"questions","start":553.92004,"end":554.4,"confidence":0.99616456,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.23049528896808624},{"word":"so","start":554.4,"end":554.64,"confidence":0.9993357,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2059222161769867},{"word":"far","start":554.64,"end":555.14,"confidence":0.9998647,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.15335902571678162},{"word":"yes","start":559.60004,"end":560.10004,"confidence":0.9852216,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0804668664932251},{"word":"yes","start":560.96,"end":561.46,"confidence":0.9940798,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.22770054638385773},{"word":"perfect","start":562.0,"end":562.48004,"confidence":0.9810448,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.499009370803833},{"word":"now","start":562.48004,"end":562.64,"confidence":0.9977597,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.3254837393760681},{"word":"if","start":562.64,"end":562.80005,"confidence":0.9952389,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3166830241680145},{"word":"you","start":562.80005,"end":563.04004,"confidence":0.99988234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27640825510025024},{"word":"scroll","start":563.04004,"end":563.28,"confidence":0.9993368,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.2764054834842682},{"word":"down","start":563.28,"end":563.76,"confidence":0.9997496,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.3193357288837433},{"word":"one","start":563.76,"end":564.0,"confidence":0.9930992,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.21255764365196228},{"word":"more","start":564.0,"end":564.24005,"confidence":0.9998056,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.12488869577646255},{"word":"page","start":564.24005,"end":564.56006,"confidence":0.9997515,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.15147143602371216},{"word":"to","start":564.56006,"end":564.80005,"confidence":0.912431,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1532713919878006},{"word":"page","start":564.80005,"end":565.28,"confidence":0.99979526,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.1541825383901596},{"word":"18","start":565.28,"end":565.78,"confidence":0.9960507,"punctuated_word":"18,","sentiment":"neutral","sentiment_score":0.11928070336580276},{"word":"it","start":567.10504,"end":567.42505,"confidence":0.9792205,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.25184565782546997},{"word":"kind","start":567.42505,"end":567.585,"confidence":0.9946461,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.24178045988082889},{"word":"of","start":567.585,"end":567.745,"confidence":0.9998128,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2499525099992752},{"word":"shows","start":567.745,"end":568.065,"confidence":0.9996717,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.2215316146612167},{"word":"you","start":568.065,"end":568.305,"confidence":0.9978672,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2710361182689667},{"word":"this","start":568.305,"end":568.625,"confidence":0.67000496,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2533019781112671},{"word":"projected","start":568.625,"end":569.125,"confidence":0.99778396,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.2567993104457855},{"word":"five","start":569.505,"end":569.745,"confidence":0.9968046,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.20002374053001404},{"word":"and","start":569.745,"end":569.98505,"confidence":0.9976508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20339226722717285},{"word":"ten","start":569.98505,"end":570.22504,"confidence":0.99680305,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.17617098987102509},{"word":"years","start":570.22504,"end":570.465,"confidence":0.86894435,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.1708201766014099},{"word":"so","start":570.465,"end":570.625,"confidence":0.98627025,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.26636838912963867},{"word":"that","start":570.625,"end":570.78503,"confidence":0.9999324,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2282390296459198},{"word":"you","start":570.78503,"end":571.025,"confidence":0.99988854,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23544682562351227},{"word":"can","start":571.025,"end":571.265,"confidence":0.9999058,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17147786915302277},{"word":"see","start":571.265,"end":571.765,"confidence":0.8175118,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.20470556616783145},{"word":"assuming","start":572.54504,"end":573.04504,"confidence":0.80406326,"punctuated_word":"Assuming,","sentiment":"neutral","sentiment_score":0.2551822066307068},{"word":"obviously","start":573.185,"end":573.585,"confidence":0.99611485,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.19703929126262665},{"word":"kind","start":573.585,"end":573.745,"confidence":0.9876559,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.20044058561325073},{"word":"of","start":573.745,"end":573.98505,"confidence":0.9994942,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17658865451812744},{"word":"contributions","start":573.98505,"end":574.48505,"confidence":0.97634304,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.124161496758461},{"word":"insurances","start":574.865,"end":575.365,"confidence":0.9557616,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.13047997653484344},{"word":"and","start":575.505,"end":575.66504,"confidence":0.99746704,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14476248621940613},{"word":"stuff","start":575.66504,"end":576.065,"confidence":0.9765206,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.16847296059131622},{"word":"stays","start":576.065,"end":576.385,"confidence":0.9873886,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":0.20630213618278503},{"word":"the","start":576.385,"end":576.54504,"confidence":0.99910164,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2282443195581436},{"word":"same","start":576.54504,"end":577.04504,"confidence":0.9907298,"punctuated_word":"same,","sentiment":"neutral","sentiment_score":0.28521034121513367},{"word":"it","start":577.10504,"end":577.34503,"confidence":0.9987212,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4154711365699768},{"word":"will","start":577.34503,"end":577.585,"confidence":0.9999509,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.33993956446647644},{"word":"then","start":577.585,"end":577.825,"confidence":0.999762,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.34532830119132996},{"word":"show","start":577.825,"end":578.065,"confidence":0.9997168,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.268439382314682},{"word":"you","start":578.065,"end":578.385,"confidence":0.85084915,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.3596545457839966},{"word":"you","start":578.385,"end":578.54504,"confidence":0.9995009,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3493810296058655},{"word":"know","start":578.54504,"end":578.705,"confidence":0.99716866,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.36145174503326416},{"word":"that","start":578.705,"end":578.945,"confidence":0.9979317,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3696131408214569},{"word":"it","start":578.945,"end":579.265,"confidence":0.9910027,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4176075756549835},{"word":"does","start":579.265,"end":579.585,"confidence":0.9989856,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.4163505434989929},{"word":"make","start":579.585,"end":579.825,"confidence":0.99418515,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.3314150869846344},{"word":"quite","start":579.825,"end":580.065,"confidence":0.99849856,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.3538815379142761},{"word":"a","start":580.065,"end":580.145,"confidence":0.9996151,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.40786826610565186},{"word":"big","start":580.145,"end":580.465,"confidence":0.8928842,"punctuated_word":"big","sentiment":"positive","sentiment_score":0.3794163465499878},{"word":"difference","start":580.465,"end":580.965,"confidence":0.99957675,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.310183048248291},{"word":"by","start":581.10504,"end":581.60504,"confidence":0.99909663,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.3479771018028259},{"word":"changing","start":582.02997,"end":582.26996,"confidence":0.999899,"punctuated_word":"changing","sentiment":"positive","sentiment_score":0.3994024395942688},{"word":"some","start":582.26996,"end":582.58997,"confidence":0.9998982,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3655272126197815},{"word":"of","start":582.58997,"end":582.67,"confidence":0.99994755,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3663226068019867},{"word":"those","start":582.67,"end":582.99,"confidence":0.99988616,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2535790503025055},{"word":"investments","start":582.99,"end":583.49,"confidence":0.99932015,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1001247689127922},{"word":"around","start":583.87,"end":584.35,"confidence":0.99992156,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.3137549161911011},{"word":"for","start":584.35,"end":584.43,"confidence":0.9997571,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2567516565322876},{"word":"you","start":584.43,"end":584.93,"confidence":0.9982766,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.17919567227363586},{"word":"and","start":586.02997,"end":586.35,"confidence":0.9979406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07884155958890915},{"word":"underneath","start":586.35,"end":586.85,"confidence":0.9985384,"punctuated_word":"underneath","sentiment":"neutral","sentiment_score":0.08364567160606384},{"word":"that","start":586.91,"end":587.14996,"confidence":0.9942771,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.0655088946223259},{"word":"you","start":587.14996,"end":587.31,"confidence":0.9999467,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08171268552541733},{"word":"can","start":587.31,"end":587.55,"confidence":0.99988675,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08792131394147873},{"word":"also","start":587.55,"end":587.94995,"confidence":0.99989486,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06886918842792511},{"word":"see","start":587.94995,"end":588.44995,"confidence":0.99960285,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0763297826051712},{"word":"the","start":588.67,"end":588.91,"confidence":0.8481123,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06063183397054672},{"word":"investment","start":588.91,"end":589.41,"confidence":0.9998197,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.03082202561199665},{"word":"return","start":589.47,"end":589.94995,"confidence":0.87265766,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.06540036201477051},{"word":"so","start":589.94995,"end":590.11,"confidence":0.99963844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07943370193243027},{"word":"you","start":590.11,"end":590.26996,"confidence":0.99988604,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08918333053588867},{"word":"can","start":590.26996,"end":590.43,"confidence":0.9997725,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0847071036696434},{"word":"see","start":590.43,"end":590.58997,"confidence":0.9997805,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09164107590913773},{"word":"the","start":590.58997,"end":590.75,"confidence":0.99978155,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07401496171951294},{"word":"twelve","start":590.75,"end":591.07,"confidence":0.99936575,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.07050617039203644},{"word":"month","start":591.07,"end":591.57,"confidence":0.6435741,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":0.062180161476135254},{"word":"three","start":591.63,"end":591.94995,"confidence":0.8692274,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":0.05152624100446701},{"word":"and","start":591.94995,"end":592.26996,"confidence":0.9998023,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.045242540538311005},{"word":"five","start":592.26996,"end":592.76996,"confidence":0.7605934,"punctuated_word":"five,","sentiment":"neutral","sentiment_score":0.06301353871822357},{"word":"outlined","start":594.02997,"end":594.50995,"confidence":0.87505454,"punctuated_word":"outlined.","sentiment":"neutral","sentiment_score":0.06348645687103271},{"word":"so","start":594.50995,"end":594.75,"confidence":0.9734842,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.06275977194309235},{"word":"again","start":594.75,"end":595.14996,"confidence":0.9998331,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.0523330420255661},{"word":"the","start":595.14996,"end":595.31,"confidence":0.9940361,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15660376846790314},{"word":"new","start":595.31,"end":595.63,"confidence":0.9994567,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.17646494507789612},{"word":"recommended","start":595.63,"end":596.13,"confidence":0.9993832,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.18717749416828156},{"word":"investments","start":596.26996,"end":596.76996,"confidence":0.96317244,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1166197583079338},{"word":"have","start":596.99,"end":597.375,"confidence":0.99487656,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21460126340389252},{"word":"performed","start":597.535,"end":598.035,"confidence":0.99888486,"punctuated_word":"performed","sentiment":"neutral","sentiment_score":0.210606187582016},{"word":"better","start":599.135,"end":599.635,"confidence":0.8778056,"punctuated_word":"better,","sentiment":"neutral","sentiment_score":0.17950457334518433},{"word":"which","start":599.935,"end":600.095,"confidence":0.89299536,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.16449680924415588},{"word":"is","start":600.095,"end":600.415,"confidence":0.99129933,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13130982220172882},{"word":"correct","start":600.415,"end":600.655,"confidence":0.8035171,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.0976381003856659},{"word":"but","start":600.655,"end":600.815,"confidence":0.6275335,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.04711327329277992},{"word":"we","start":600.815,"end":601.055,"confidence":0.99742365,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05960875749588013},{"word":"do","start":601.055,"end":601.215,"confidence":0.999308,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0653696283698082},{"word":"wanna","start":601.215,"end":601.455,"confidence":0.9815414,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.06383108347654343},{"word":"look","start":601.455,"end":601.535,"confidence":0.9990114,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04780765622854233},{"word":"at","start":601.535,"end":601.935,"confidence":0.9995395,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.049002211540937424},{"word":"changing","start":601.935,"end":602.415,"confidence":0.9986627,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.06698942184448242},{"word":"those","start":602.415,"end":602.895,"confidence":0.9953082,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.08110793679952621},{"word":"for","start":602.895,"end":603.135,"confidence":0.99750596,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07360482215881348},{"word":"you","start":603.135,"end":603.635,"confidence":0.9997045,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.047672539949417114},{"word":"now","start":604.895,"end":605.135,"confidence":0.9669794,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.03474808484315872},{"word":"pippa","start":605.135,"end":605.455,"confidence":0.7682543,"punctuated_word":"Pippa,","sentiment":"neutral","sentiment_score":0.045480623841285706},{"word":"if","start":605.455,"end":605.615,"confidence":0.9990331,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.035374656319618225},{"word":"you","start":605.615,"end":605.695,"confidence":0.9995455,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0293712317943573},{"word":"can","start":605.695,"end":606.015,"confidence":0.9985588,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.023555755615234375},{"word":"scroll","start":606.015,"end":606.335,"confidence":0.99906474,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.028321556746959686},{"word":"back","start":606.335,"end":606.655,"confidence":0.99954104,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.0313645601272583},{"word":"up","start":606.655,"end":606.895,"confidence":0.9997036,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.03165184706449509},{"word":"for","start":606.895,"end":607.055,"confidence":0.9993241,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.026493459939956665},{"word":"me","start":607.055,"end":607.455,"confidence":0.999905,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.029348941519856453},{"word":"to","start":607.455,"end":607.695,"confidence":0.99557793,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02521061711013317},{"word":"page","start":607.695,"end":608.195,"confidence":0.9993088,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.031652551144361496},{"word":"15","start":609.055,"end":609.555,"confidence":0.9879088,"punctuated_word":"15.","sentiment":"neutral","sentiment_score":0.03277270495891571},{"word":"yeah","start":612.45,"end":612.76996,"confidence":0.75838083,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11359388381242752},{"word":"perfect","start":612.76996,"end":613.25,"confidence":0.9993825,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2303173691034317},{"word":"now","start":613.25,"end":613.57,"confidence":0.9992168,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04780120030045509},{"word":"this","start":613.57,"end":613.97,"confidence":0.99724436,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.02663230523467064},{"word":"outlines","start":613.97,"end":614.45,"confidence":0.99126244,"punctuated_word":"outlines","sentiment":"neutral","sentiment_score":0.031939953565597534},{"word":"the","start":614.45,"end":614.69,"confidence":0.998052,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03200607746839523},{"word":"changes","start":614.69,"end":615.17,"confidence":0.9992943,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.040579453110694885},{"word":"in","start":615.17,"end":615.41,"confidence":0.99984384,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.007787033915519714},{"word":"the","start":615.41,"end":615.57,"confidence":0.9913715,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015658117830753326},{"word":"investment","start":615.57,"end":616.05,"confidence":0.7672442,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.0029093660414218903},{"word":"so","start":616.05,"end":616.20996,"confidence":0.99938333,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08778899908065796},{"word":"this","start":616.20996,"end":616.45,"confidence":0.9998771,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.1320271193981171},{"word":"one","start":616.45,"end":616.76996,"confidence":0.9998647,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.1252192109823227},{"word":"can","start":616.76996,"end":617.08997,"confidence":0.99969876,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.12642881274223328},{"word":"look","start":617.08997,"end":617.49,"confidence":0.9997656,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.09314894676208496},{"word":"a","start":617.49,"end":617.57,"confidence":0.99958473,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14137518405914307},{"word":"bit","start":617.57,"end":617.89,"confidence":0.9999144,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.14310191571712494},{"word":"messy","start":617.89,"end":618.39,"confidence":0.99939686,"punctuated_word":"messy.","sentiment":"neutral","sentiment_score":-0.1325814723968506},{"word":"essentially","start":619.97,"end":620.47,"confidence":0.8818528,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":-0.12292619794607162},{"word":"the","start":620.69,"end":620.93,"confidence":0.9997639,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1258961707353592},{"word":"reds","start":620.93,"end":621.43,"confidence":0.7938821,"punctuated_word":"reds","sentiment":"neutral","sentiment_score":-0.14602956175804138},{"word":"are","start":621.57,"end":621.73,"confidence":0.9977373,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.15440760552883148},{"word":"the","start":621.73,"end":621.81,"confidence":0.9993011,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1312233954668045},{"word":"ones","start":621.81,"end":622.13,"confidence":0.9991823,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":-0.12390546500682832},{"word":"we","start":622.13,"end":622.29,"confidence":0.993334,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1612052321434021},{"word":"are","start":622.29,"end":622.52997,"confidence":0.9994904,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1666550487279892},{"word":"selling","start":622.52997,"end":623.02997,"confidence":0.9941467,"punctuated_word":"selling.","sentiment":"neutral","sentiment_score":-0.13155175745487213},{"word":"so","start":624.795,"end":625.115,"confidence":0.8834464,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08209805190563202},{"word":"we","start":625.115,"end":625.355,"confidence":0.9986098,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09892389923334122},{"word":"are","start":625.355,"end":625.51495,"confidence":0.9951414,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.11754446476697922},{"word":"selling","start":625.51495,"end":625.995,"confidence":0.9997212,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.1411304473876953},{"word":"some","start":625.995,"end":626.235,"confidence":0.9997749,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.08769692480564117},{"word":"of","start":626.235,"end":626.39496,"confidence":0.9999372,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08439039438962936},{"word":"those","start":626.39496,"end":626.875,"confidence":0.9994438,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.04849695414304733},{"word":"investments","start":626.875,"end":627.375,"confidence":0.9920762,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":-0.05913644656538963},{"word":"now","start":627.435,"end":627.675,"confidence":0.99965835,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.05434821546077728},{"word":"you","start":627.675,"end":627.915,"confidence":0.999014,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02907012403011322},{"word":"can","start":627.915,"end":628.235,"confidence":0.9999255,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.011521391570568085},{"word":"see","start":628.235,"end":628.39496,"confidence":0.9995265,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.01476384699344635},{"word":"that","start":628.39496,"end":628.635,"confidence":0.99956816,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05103977024555206},{"word":"we","start":628.635,"end":628.71497,"confidence":0.9996971,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08009306341409683},{"word":"are","start":628.71497,"end":628.95496,"confidence":0.9954673,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.08489289879798889},{"word":"still","start":628.95496,"end":629.355,"confidence":0.99825853,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.1160188764333725},{"word":"even","start":629.595,"end":629.915,"confidence":0.7808116,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.06168302521109581},{"word":"though","start":629.915,"end":630.07495,"confidence":0.9998037,"punctuated_word":"though","sentiment":"neutral","sentiment_score":-0.09450697898864746},{"word":"it","start":630.07495,"end":630.315,"confidence":0.99975365,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1161244735121727},{"word":"says","start":630.315,"end":630.815,"confidence":0.996097,"punctuated_word":"says","sentiment":"neutral","sentiment_score":-0.10077662765979768},{"word":"minus","start":631.355,"end":631.83496,"confidence":0.86175627,"punctuated_word":"minus","sentiment":"neutral","sentiment_score":-0.08192890882492065},{"word":"737","start":631.83496,"end":633.355,"confidence":0.99826,"punctuated_word":"737","sentiment":"neutral","sentiment_score":-0.07610218226909637},{"word":"in","start":633.355,"end":633.51495,"confidence":0.99495137,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13474728167057037},{"word":"gold","start":633.51495,"end":633.83496,"confidence":0.99672484,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":-0.10346835851669312},{"word":"we","start":633.83496,"end":633.995,"confidence":0.99975103,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11915355920791626},{"word":"are","start":633.995,"end":634.15497,"confidence":0.9988734,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.11135661602020264},{"word":"still","start":634.15497,"end":634.475,"confidence":0.9986619,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.10271203517913818},{"word":"keeping","start":634.475,"end":634.95496,"confidence":0.98383594,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":-0.09123535454273224},{"word":"gold","start":634.95496,"end":635.27496,"confidence":0.99364257,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":-0.11524230986833572},{"word":"at","start":635.27496,"end":635.51495,"confidence":0.99453086,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.12190119177103044},{"word":"7%","start":635.51495,"end":636.33496,"confidence":0.9120378,"punctuated_word":"7%,","sentiment":"neutral","sentiment_score":-0.06151573359966278},{"word":"just","start":636.86,"end":637.18,"confidence":0.99944586,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.12129027396440506},{"word":"rebalancing","start":637.18,"end":637.68,"confidence":0.9989688,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":-0.08622618019580841},{"word":"it","start":637.89996,"end":638.06,"confidence":0.9964709,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.12565237283706665},{"word":"so","start":638.06,"end":638.3,"confidence":0.99941397,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0821872353553772},{"word":"those","start":638.3,"end":638.45996,"confidence":0.9888138,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.13678941130638125},{"word":"are","start":638.45996,"end":638.62,"confidence":0.9989768,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1226043701171875},{"word":"basically","start":638.62,"end":639.1,"confidence":0.9900073,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.09938516467809676},{"word":"just","start":639.1,"end":639.42,"confidence":0.9981875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.11168523877859116},{"word":"a","start":639.42,"end":639.66,"confidence":0.73907036,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1228448525071144},{"word":"change","start":639.66,"end":640.06,"confidence":0.9996599,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.102529339492321},{"word":"in","start":640.06,"end":640.3,"confidence":0.99982685,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13815993070602417},{"word":"the","start":640.3,"end":640.54,"confidence":0.99958974,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13160622119903564},{"word":"value","start":640.54,"end":641.04,"confidence":0.99928784,"punctuated_word":"value.","sentiment":"neutral","sentiment_score":-0.16449256241321564},{"word":"we","start":643.01996,"end":643.25995,"confidence":0.8139813,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.2972062826156616},{"word":"are","start":643.25995,"end":643.66,"confidence":0.9998486,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.3167501389980316},{"word":"completely","start":643.66,"end":644.16,"confidence":0.9991116,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.2890591025352478},{"word":"selling","start":644.38,"end":644.86,"confidence":0.9992557,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.3115181028842926},{"word":"out","start":644.86,"end":645.33997,"confidence":0.99636734,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.29331037402153015},{"word":"of","start":645.33997,"end":645.74,"confidence":0.99876046,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2979052662849426},{"word":"the","start":645.74,"end":645.82,"confidence":0.9908631,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2349541187286377},{"word":"ishares","start":645.82,"end":646.32,"confidence":0.79163337,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":-0.16298261284828186},{"word":"miscue","start":646.77997,"end":647.27997,"confidence":0.70699924,"punctuated_word":"miscue,","sentiment":"neutral","sentiment_score":-0.122341126203537},{"word":"which","start":647.5,"end":647.74,"confidence":0.99966645,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.11699198931455612},{"word":"is","start":647.74,"end":648.06,"confidence":0.99254006,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07856272161006927},{"word":"the","start":648.06,"end":648.38,"confidence":0.53155357,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07443693280220032},{"word":"one","start":648.38,"end":648.77997,"confidence":0.7772871,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.06544949114322662},{"word":"two","start":648.77997,"end":649.1,"confidence":0.99812114,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":-0.04180966690182686},{"word":"three","start":649.1,"end":649.5,"confidence":0.9970329,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":-0.0441695936024189},{"word":"four","start":649.5,"end":649.98,"confidence":0.98964816,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.0554749071598053},{"word":"down","start":649.98,"end":650.48,"confidence":0.8869467,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.04845913499593735},{"word":"we","start":651.905,"end":652.065,"confidence":0.9912178,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.12852057814598083},{"word":"are","start":652.065,"end":652.22504,"confidence":0.9596856,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10220926254987717},{"word":"also","start":652.22504,"end":652.72504,"confidence":0.9980494,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10657750815153122},{"word":"completely","start":652.945,"end":653.445,"confidence":0.99550444,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.14083194732666016},{"word":"selling","start":653.505,"end":653.825,"confidence":0.99655616,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.03095303475856781},{"word":"out","start":653.825,"end":653.985,"confidence":0.9998267,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.02665962278842926},{"word":"of","start":653.985,"end":654.145,"confidence":0.99935955,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.013649411499500276},{"word":"that","start":654.145,"end":654.385,"confidence":0.99592435,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08494728058576584},{"word":"benelon","start":654.385,"end":654.885,"confidence":0.7426963,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":0.02636128105223179},{"word":"australian","start":654.945,"end":655.425,"confidence":0.97579885,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.10641279816627502},{"word":"equity","start":655.425,"end":655.825,"confidence":0.8702085,"punctuated_word":"equity.","sentiment":"neutral","sentiment_score":0.09140680730342864},{"word":"that","start":655.825,"end":656.065,"confidence":0.9996786,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.1313578188419342},{"word":"was","start":656.065,"end":656.145,"confidence":0.9944852,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.14346900582313538},{"word":"the","start":656.145,"end":656.305,"confidence":0.99628276,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10984443128108978},{"word":"one","start":656.305,"end":656.545,"confidence":0.99969137,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.10460630059242249},{"word":"i","start":656.545,"end":656.625,"confidence":0.97856915,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12941792607307434},{"word":"kind","start":656.625,"end":656.865,"confidence":0.9851976,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08388189971446991},{"word":"of","start":656.865,"end":657.34503,"confidence":0.9993925,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10768212378025056},{"word":"spoke","start":657.34503,"end":657.66504,"confidence":0.99673367,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.11102040112018584},{"word":"a","start":657.66504,"end":657.745,"confidence":0.99964726,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09213798493146896},{"word":"little","start":657.745,"end":657.985,"confidence":0.99988484,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.05343715101480484},{"word":"bit","start":657.985,"end":658.145,"confidence":0.9989004,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.03870877623558045},{"word":"about","start":658.145,"end":658.465,"confidence":0.9919288,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03485175967216492},{"word":"last","start":658.465,"end":658.705,"confidence":0.99737406,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.06422603875398636},{"word":"time","start":658.705,"end":659.025,"confidence":0.9995536,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.03632713109254837},{"word":"that","start":659.025,"end":659.265,"confidence":0.8046652,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10821940749883652},{"word":"recently","start":659.265,"end":659.745,"confidence":0.99827206,"punctuated_word":"recently","sentiment":"neutral","sentiment_score":0.10554558038711548},{"word":"has","start":659.745,"end":659.985,"confidence":0.9955782,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.063386470079422},{"word":"underperformed","start":659.985,"end":660.485,"confidence":0.89717185,"punctuated_word":"underperformed,","sentiment":"neutral","sentiment_score":0.14053957164287567},{"word":"so","start":660.625,"end":660.865,"confidence":0.9844087,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.20442989468574524},{"word":"we","start":660.865,"end":661.025,"confidence":0.9998274,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22806240618228912},{"word":"do","start":661.025,"end":661.10504,"confidence":0.99968064,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1966325342655182},{"word":"wanna","start":661.10504,"end":661.505,"confidence":0.9761766,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.22797784209251404},{"word":"swap","start":661.505,"end":661.745,"confidence":0.9172477,"punctuated_word":"swap","sentiment":"neutral","sentiment_score":0.1968911737203598},{"word":"that","start":661.745,"end":661.985,"confidence":0.99945015,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14922982454299927},{"word":"one","start":661.985,"end":662.22504,"confidence":0.99886084,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.036924056708812714},{"word":"out","start":662.22504,"end":662.705,"confidence":0.99976546,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.161025732755661},{"word":"for","start":662.705,"end":662.945,"confidence":0.9990553,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15868401527404785},{"word":"you","start":662.945,"end":663.445,"confidence":0.9968542,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.16043943166732788},{"word":"and","start":664.51,"end":664.83,"confidence":0.8977136,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.2411210834980011},{"word":"again","start":664.83,"end":665.15,"confidence":0.9996027,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.2338247299194336},{"word":"japan","start":665.15,"end":665.55,"confidence":0.958089,"punctuated_word":"Japan,","sentiment":"neutral","sentiment_score":0.2908124327659607},{"word":"we","start":665.55,"end":665.71,"confidence":0.9998623,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4016838669776917},{"word":"are","start":665.71,"end":665.87,"confidence":0.9998485,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4421224594116211},{"word":"keeping","start":665.87,"end":666.19,"confidence":0.9999733,"punctuated_word":"keeping","sentiment":"positive","sentiment_score":0.42780935764312744},{"word":"that","start":666.19,"end":666.43,"confidence":0.9997385,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3972003161907196},{"word":"in","start":666.43,"end":666.58997,"confidence":0.999814,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.35473769903182983},{"word":"the","start":666.58997,"end":666.83,"confidence":0.9765876,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4042505919933319},{"word":"portfolio","start":666.83,"end":667.31,"confidence":0.9994593,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.3609156906604767},{"word":"because","start":667.31,"end":667.55,"confidence":0.93901914,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.5209917426109314},{"word":"it's","start":667.55,"end":667.71,"confidence":0.9899795,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6512454152107239},{"word":"done","start":667.71,"end":668.02997,"confidence":0.99119085,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.650195300579071},{"word":"pretty","start":668.02997,"end":668.27,"confidence":0.9997565,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.70807945728302},{"word":"good","start":668.27,"end":668.75,"confidence":0.7728152,"punctuated_word":"good,","sentiment":"positive","sentiment_score":0.6357686519622803},{"word":"just","start":668.75,"end":669.15,"confidence":0.997591,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5649589896202087},{"word":"rebalancing","start":669.15,"end":669.65,"confidence":0.9975417,"punctuated_word":"rebalancing","sentiment":"positive","sentiment_score":0.5782756805419922},{"word":"it","start":669.87,"end":670.11,"confidence":0.997036,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5671084523200989},{"word":"again","start":670.11,"end":670.61,"confidence":0.9804673,"punctuated_word":"again","sentiment":"positive","sentiment_score":0.6010671854019165},{"word":"for","start":670.75,"end":670.99,"confidence":0.99890196,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.534048318862915},{"word":"you","start":670.99,"end":671.49,"confidence":0.99964064,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4230068624019623},{"word":"so","start":671.79,"end":672.02997,"confidence":0.98861,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17176327109336853},{"word":"those","start":672.02997,"end":672.27,"confidence":0.9986236,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.23741547763347623},{"word":"are","start":672.27,"end":672.35,"confidence":0.9992434,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18192137777805328},{"word":"kind","start":672.35,"end":672.58997,"confidence":0.9939324,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1749243587255478},{"word":"of","start":672.58997,"end":672.75,"confidence":0.99975187,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15261046588420868},{"word":"the","start":672.75,"end":673.07,"confidence":0.991302,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15030953288078308},{"word":"the","start":673.07,"end":673.31,"confidence":0.9966202,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1328732669353485},{"word":"changes","start":673.31,"end":673.81,"confidence":0.7697668,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.1428985595703125},{"word":"and","start":673.87,"end":674.02997,"confidence":0.99965906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08848107606172562},{"word":"then","start":674.02997,"end":674.35,"confidence":0.9998005,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11121401190757751},{"word":"the","start":674.35,"end":674.58997,"confidence":0.99827385,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09045571088790894},{"word":"bottom","start":674.58997,"end":675.08997,"confidence":0.99951994,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.0904674381017685},{"word":"three","start":675.15,"end":675.63,"confidence":0.9977047,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.09891588240861891},{"word":"is","start":675.63,"end":675.79,"confidence":0.99970263,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07252414524555206},{"word":"what","start":675.79,"end":676.02997,"confidence":0.9998053,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06436493992805481},{"word":"we","start":676.02997,"end":676.11,"confidence":0.99853516,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05878031626343727},{"word":"are","start":676.11,"end":676.27,"confidence":0.9971853,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05638871341943741},{"word":"then","start":676.27,"end":676.58997,"confidence":0.99877185,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07334388047456741},{"word":"introducing","start":676.58997,"end":677.08997,"confidence":0.9976681,"punctuated_word":"introducing","sentiment":"neutral","sentiment_score":0.05607839673757553},{"word":"instead","start":677.79,"end":678.29,"confidence":0.99875593,"punctuated_word":"instead.","sentiment":"neutral","sentiment_score":0.06085175275802612},{"word":"so","start":679.15,"end":679.65,"confidence":0.99700063,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10215528309345244},{"word":"instead","start":680.08496,"end":680.32495,"confidence":0.99916744,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.043460458517074585},{"word":"of","start":680.32495,"end":680.64496,"confidence":0.9999156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.021460924297571186},{"word":"the","start":680.64496,"end":680.805,"confidence":0.99907047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015319176018238068},{"word":"benelon","start":680.805,"end":681.305,"confidence":0.7850286,"punctuated_word":"Benelon,","sentiment":"neutral","sentiment_score":0.011031176894903185},{"word":"we","start":681.44495,"end":681.76495,"confidence":0.99847156,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1180092990398407},{"word":"have","start":681.76495,"end":682.26495,"confidence":0.9994344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10658881813287736},{"word":"changed","start":682.485,"end":682.96497,"confidence":0.9989473,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.0905260294675827},{"word":"it","start":682.96497,"end":683.125,"confidence":0.9820388,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05359881371259689},{"word":"to","start":683.125,"end":683.44495,"confidence":0.99864584,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04930432513356209},{"word":"the","start":683.44495,"end":683.685,"confidence":0.9981232,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07826076447963715},{"word":"beta","start":683.685,"end":684.08496,"confidence":0.54273957,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.07166847586631775},{"word":"shares","start":684.08496,"end":684.485,"confidence":0.95226586,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.051847077906131744},{"word":"australia","start":684.485,"end":684.985,"confidence":0.90032667,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.09747382998466492},{"word":"200","start":685.365,"end":686.105,"confidence":0.9970839,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.11690082401037216},{"word":"because","start":686.485,"end":686.88495,"confidence":0.71893406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1122886687517166},{"word":"we","start":686.88495,"end":687.045,"confidence":0.99686533,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12438911944627762},{"word":"do","start":687.045,"end":687.285,"confidence":0.9982216,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16716894507408142},{"word":"still","start":687.285,"end":687.52496,"confidence":0.9987073,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.16222766041755676},{"word":"wanna","start":687.52496,"end":687.845,"confidence":0.9794587,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.15800495445728302},{"word":"give","start":687.845,"end":688.165,"confidence":0.9987538,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.10448557883501051},{"word":"you","start":688.165,"end":688.485,"confidence":0.9991478,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14492595195770264},{"word":"the","start":688.485,"end":688.725,"confidence":0.9997199,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09395703673362732},{"word":"australian","start":688.725,"end":689.225,"confidence":0.9984139,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.108112171292305},{"word":"equity","start":689.44495,"end":689.94495,"confidence":0.97856575,"punctuated_word":"equity","sentiment":"neutral","sentiment_score":0.07695336639881134},{"word":"exposure","start":690.165,"end":690.665,"confidence":0.99351346,"punctuated_word":"exposure.","sentiment":"neutral","sentiment_score":0.08199776709079742},{"word":"so","start":690.725,"end":691.045,"confidence":0.9994597,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08413749188184738},{"word":"if","start":691.045,"end":691.20496,"confidence":0.9994043,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01948406547307968},{"word":"we","start":691.20496,"end":691.70496,"confidence":0.9987562,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.01207171380519867},{"word":"take","start":691.76495,"end":692.00494,"confidence":0.999161,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.018843069672584537},{"word":"away","start":692.00494,"end":692.40497,"confidence":0.99969745,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.023357249796390533},{"word":"the","start":692.40497,"end":692.56494,"confidence":0.9346419,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07300115376710892},{"word":"australian","start":692.56494,"end":693.06494,"confidence":0.9988707,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.07912079244852066},{"word":"equity","start":693.125,"end":693.52496,"confidence":0.9958634,"punctuated_word":"equity,","sentiment":"neutral","sentiment_score":-0.05022035539150238},{"word":"we","start":693.52496,"end":693.76495,"confidence":0.99197865,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01969253271818161},{"word":"wanna","start":693.76495,"end":694.00494,"confidence":0.99395233,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.03890669345855713},{"word":"make","start":694.00494,"end":694.23,"confidence":0.9597095,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.041895173490047455},{"word":"sure","start":694.31,"end":694.55,"confidence":0.99428433,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.045827776193618774},{"word":"we","start":694.55,"end":694.70996,"confidence":0.99902475,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07464831322431564},{"word":"replace","start":694.70996,"end":695.11,"confidence":0.98902017,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":0.06532996892929077},{"word":"it","start":695.11,"end":695.26996,"confidence":0.96582866,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.034095413982868195},{"word":"with","start":695.26996,"end":695.51,"confidence":0.9997762,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04945825040340424},{"word":"another","start":695.51,"end":696.01,"confidence":0.9998324,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.0985746756196022},{"word":"option","start":696.14996,"end":696.64996,"confidence":0.99973947,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.06165609508752823},{"word":"to","start":697.02997,"end":697.26996,"confidence":0.98936534,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.088639035820961},{"word":"make","start":697.26996,"end":697.51,"confidence":0.99985147,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10272789001464844},{"word":"sure","start":697.51,"end":697.75,"confidence":0.99959224,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2581607401371002},{"word":"that","start":697.75,"end":698.07,"confidence":0.9989134,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2676115036010742},{"word":"overall","start":698.07,"end":698.47,"confidence":0.78974694,"punctuated_word":"overall","sentiment":"positive","sentiment_score":0.3389991223812103},{"word":"your","start":698.47,"end":698.79,"confidence":0.64322555,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.36000651121139526},{"word":"portfolio","start":698.79,"end":699.29,"confidence":0.99978346,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.2039251923561096},{"word":"is","start":699.43,"end":699.75,"confidence":0.9994961,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2655482888221741},{"word":"well","start":699.75,"end":700.14996,"confidence":0.99163777,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.3322644531726837},{"word":"diversified","start":700.14996,"end":700.64996,"confidence":0.99737525,"punctuated_word":"diversified","sentiment":"neutral","sentiment_score":0.2698986530303955},{"word":"across","start":700.87,"end":701.19,"confidence":0.99945396,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.2884930372238159},{"word":"the","start":701.19,"end":701.35,"confidence":0.996458,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2698097229003906},{"word":"globe","start":701.35,"end":701.75,"confidence":0.99967206,"punctuated_word":"globe","sentiment":"neutral","sentiment_score":0.2673628330230713},{"word":"as","start":701.75,"end":701.91,"confidence":0.9938817,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.30747684836387634},{"word":"well","start":701.91,"end":702.41,"confidence":0.9995497,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2170422077178955},{"word":"so","start":702.87,"end":703.26996,"confidence":0.9838848,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04852638766169548},{"word":"the","start":703.26996,"end":703.51,"confidence":0.9926468,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.047709397971630096},{"word":"betashares","start":703.51,"end":704.01,"confidence":0.7322539,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":0.08085031807422638},{"word":"australia","start":704.07,"end":704.57,"confidence":0.77837175,"punctuated_word":"Australia,","sentiment":"neutral","sentiment_score":0.05803903192281723},{"word":"200","start":704.87,"end":705.52997,"confidence":0.9850462,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.08036373555660248},{"word":"at","start":705.58997,"end":705.91,"confidence":0.95425546,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05941192805767059},{"word":"25%","start":705.91,"end":707.05,"confidence":0.9095268,"punctuated_word":"25%,","sentiment":"neutral","sentiment_score":0.05885283276438713},{"word":"basically","start":707.915,"end":708.315,"confidence":0.86958706,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":0.06094750389456749},{"word":"just","start":708.315,"end":708.795,"confidence":0.98447466,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07837530970573425},{"word":"invests","start":708.795,"end":709.27496,"confidence":0.5401254,"punctuated_word":"invests","sentiment":"neutral","sentiment_score":0.06368482112884521},{"word":"in","start":709.27496,"end":709.51495,"confidence":0.9989993,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07596887648105621},{"word":"the","start":709.51495,"end":709.755,"confidence":0.99939156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08441802859306335},{"word":"200","start":709.755,"end":710.315,"confidence":0.99976295,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.10219697654247284},{"word":"largest","start":710.315,"end":710.795,"confidence":0.9991953,"punctuated_word":"largest","sentiment":"neutral","sentiment_score":0.09678474813699722},{"word":"companies","start":710.795,"end":711.295,"confidence":0.9991008,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.054391153156757355},{"word":"listed","start":711.435,"end":711.83496,"confidence":0.99972206,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.09705638140439989},{"word":"on","start":711.83496,"end":712.07495,"confidence":0.9994356,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08229856193065643},{"word":"the","start":712.07495,"end":712.235,"confidence":0.99939,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07991573959589005},{"word":"asx","start":712.235,"end":712.71497,"confidence":0.74005455,"punctuated_word":"ASX.","sentiment":"neutral","sentiment_score":0.08011245727539062},{"word":"so","start":712.71497,"end":712.95496,"confidence":0.99928457,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07640055567026138},{"word":"in","start":712.95496,"end":713.195,"confidence":0.9903167,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06660763919353485},{"word":"australia","start":713.195,"end":713.695,"confidence":0.99977297,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.08471411466598511},{"word":"and","start":714.15497,"end":714.39496,"confidence":0.998613,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07120166718959808},{"word":"you'll","start":714.39496,"end":714.635,"confidence":0.87331074,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.07712505757808685},{"word":"have","start":714.635,"end":714.875,"confidence":0.99857795,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05586373060941696},{"word":"all","start":714.875,"end":715.035,"confidence":0.9985399,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.047215621918439865},{"word":"the","start":715.035,"end":715.195,"confidence":0.99930763,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029807958751916885},{"word":"big","start":715.195,"end":715.595,"confidence":0.9993099,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.04255789518356323},{"word":"companies","start":715.595,"end":716.07495,"confidence":0.9995536,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.029109731316566467},{"word":"like","start":716.07495,"end":716.315,"confidence":0.8531364,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.03703021258115768},{"word":"you","start":716.315,"end":716.475,"confidence":0.9989963,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07664109766483307},{"word":"know","start":716.475,"end":716.71497,"confidence":0.9997997,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07162050157785416},{"word":"commonwealth","start":716.71497,"end":717.21497,"confidence":0.9717039,"punctuated_word":"Commonwealth","sentiment":"neutral","sentiment_score":0.09414263069629668},{"word":"and","start":717.435,"end":717.675,"confidence":0.9125469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06730882823467255},{"word":"bhp","start":717.675,"end":718.175,"confidence":0.989166,"punctuated_word":"BHP","sentiment":"neutral","sentiment_score":0.07175105810165405},{"word":"and","start":718.315,"end":718.555,"confidence":0.9289129,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07524867355823517},{"word":"woolworths","start":718.555,"end":719.035,"confidence":0.87124777,"punctuated_word":"Woolworths,","sentiment":"neutral","sentiment_score":0.06682153046131134},{"word":"for","start":719.035,"end":719.27496,"confidence":0.9995977,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04248807579278946},{"word":"example","start":719.27496,"end":719.77496,"confidence":0.9642881,"punctuated_word":"example.","sentiment":"neutral","sentiment_score":0.04048777371644974},{"word":"so","start":719.83496,"end":719.995,"confidence":0.99296606,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07359230518341064},{"word":"it","start":719.995,"end":720.15497,"confidence":0.9388375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08098822087049484},{"word":"is","start":720.15497,"end":720.315,"confidence":0.997378,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07658076286315918},{"word":"kind","start":720.315,"end":720.555,"confidence":0.99625885,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.049094852060079575},{"word":"of","start":720.555,"end":720.71497,"confidence":0.999788,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04018184915184975},{"word":"all","start":720.71497,"end":720.875,"confidence":0.992159,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.044279202818870544},{"word":"those","start":720.875,"end":721.115,"confidence":0.9570182,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.05844986438751221},{"word":"big","start":721.115,"end":721.615,"confidence":0.9982358,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.03991437703371048},{"word":"companies","start":721.675,"end":722.175,"confidence":0.9994236,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.028006572276353836},{"word":"there","start":722.39496,"end":722.89496,"confidence":0.9938488,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0422014519572258},{"word":"and","start":723.64,"end":723.96,"confidence":0.9993193,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05808157846331597},{"word":"then","start":723.96,"end":724.46,"confidence":0.99964917,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06596174091100693},{"word":"instead","start":724.92,"end":725.24,"confidence":0.8557511,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.026554126292467117},{"word":"of","start":725.24,"end":725.48,"confidence":0.9998467,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015565413981676102},{"word":"the","start":725.48,"end":725.56,"confidence":0.99761885,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016889017075300217},{"word":"whiskey","start":725.56,"end":726.06,"confidence":0.33330348,"punctuated_word":"whiskey","sentiment":"neutral","sentiment_score":0.022226482629776},{"word":"world","start":726.36,"end":726.84,"confidence":0.616148,"punctuated_word":"world,","sentiment":"neutral","sentiment_score":0.02124090865254402},{"word":"so","start":726.84,"end":727.0,"confidence":0.7483067,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04355645179748535},{"word":"kind","start":727.0,"end":727.24,"confidence":0.9880298,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.039749693125486374},{"word":"of","start":727.24,"end":727.32,"confidence":0.99960226,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04362701624631882},{"word":"a","start":727.32,"end":727.48,"confidence":0.9990214,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05918499082326889},{"word":"similar","start":727.48,"end":727.96,"confidence":0.9999107,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.038347821682691574},{"word":"one","start":727.96,"end":728.2,"confidence":0.9882115,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.05993065610527992},{"word":"we","start":728.2,"end":728.36,"confidence":0.9997553,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12134142220020294},{"word":"have","start":728.36,"end":728.68,"confidence":0.99906844,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10354818403720856},{"word":"swapped","start":728.68,"end":729.0,"confidence":0.34444606,"punctuated_word":"swapped","sentiment":"neutral","sentiment_score":0.08831297606229782},{"word":"this","start":729.0,"end":729.16,"confidence":0.48614928,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0841839388012886},{"word":"for","start":729.16,"end":729.4,"confidence":0.7169565,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06446419656276703},{"word":"the","start":729.4,"end":729.64,"confidence":0.9896101,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08460352569818497},{"word":"vanguard","start":729.64,"end":730.14,"confidence":0.9837924,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.0494963563978672},{"word":"all","start":730.36,"end":730.52,"confidence":0.47033975,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07261347025632858},{"word":"worlds","start":730.52,"end":730.92,"confidence":0.75118023,"punctuated_word":"worlds.","sentiment":"neutral","sentiment_score":0.08374617993831635},{"word":"you","start":730.92,"end":731.08,"confidence":0.9968575,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07088001072406769},{"word":"may","start":731.08,"end":731.24,"confidence":0.99988866,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.05090787261724472},{"word":"have","start":731.24,"end":731.48,"confidence":0.9997142,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05914919078350067},{"word":"heard","start":731.48,"end":731.64,"confidence":0.99965084,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":0.0284268781542778},{"word":"of","start":731.64,"end":731.8,"confidence":0.9994444,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.037745390087366104},{"word":"vanguard","start":731.8,"end":732.3,"confidence":0.9902492,"punctuated_word":"Vanguard.","sentiment":"neutral","sentiment_score":0.02689766138792038},{"word":"they","start":732.36,"end":732.52,"confidence":0.99955994,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.05351712554693222},{"word":"are","start":732.52,"end":732.68,"confidence":0.9997942,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.049021050333976746},{"word":"quite","start":732.68,"end":733.0,"confidence":0.9997602,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.04229314997792244},{"word":"big","start":733.0,"end":733.5,"confidence":0.9959753,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.04450038820505142},{"word":"before","start":735.0,"end":735.5,"confidence":0.8932936,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":0.046238452196121216},{"word":"but","start":735.56,"end":735.96,"confidence":0.87394166,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.046764083206653595},{"word":"essentially","start":735.96,"end":736.46,"confidence":0.9996388,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.048521917313337326},{"word":"that","start":736.6,"end":736.76,"confidence":0.9999354,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05061858147382736},{"word":"one","start":736.76,"end":736.92,"confidence":0.99990857,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.061217568814754486},{"word":"is","start":736.92,"end":737.16,"confidence":0.9996723,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04909786954522133},{"word":"at","start":737.16,"end":737.4,"confidence":0.92962646,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05344114080071449},{"word":"8%","start":737.4,"end":738.22,"confidence":0.9831788,"punctuated_word":"8%.","sentiment":"neutral","sentiment_score":0.06148581951856613},{"word":"but","start":739.36505,"end":739.525,"confidence":0.9844207,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02204570174217224},{"word":"sorry","start":739.68506,"end":740.085,"confidence":0.75231934,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.02247476764023304},{"word":"you","start":740.085,"end":740.16504,"confidence":0.46455464,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.02526020258665085},{"word":"basically","start":740.16504,"end":740.645,"confidence":0.97984207,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.03336041793227196},{"word":"invest","start":740.645,"end":741.145,"confidence":0.9842589,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.016058383509516716},{"word":"in","start":741.28503,"end":741.78503,"confidence":0.9981269,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0322297140955925},{"word":"around","start":742.48505,"end":742.80505,"confidence":0.86724913,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.04094422981142998},{"word":"the","start":742.80505,"end":742.965,"confidence":0.998979,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0309874564409256},{"word":"globe","start":742.965,"end":743.28503,"confidence":0.9946896,"punctuated_word":"globe,","sentiment":"neutral","sentiment_score":0.043858468532562256},{"word":"but","start":743.28503,"end":743.525,"confidence":0.99963903,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.02957172505557537},{"word":"it's","start":743.525,"end":743.765,"confidence":0.9988381,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.032288044691085815},{"word":"excluding","start":743.765,"end":744.265,"confidence":0.9994056,"punctuated_word":"excluding","sentiment":"neutral","sentiment_score":0.02665836736559868},{"word":"the","start":744.405,"end":744.72504,"confidence":0.9987649,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.007288120687007904},{"word":"us","start":744.72504,"end":745.04504,"confidence":0.9989126,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.010864511132240295},{"word":"because","start":745.04504,"end":745.445,"confidence":0.5147172,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03233141079545021},{"word":"we","start":745.445,"end":745.68506,"confidence":0.9814455,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05533647909760475},{"word":"already","start":745.68506,"end":746.085,"confidence":0.9991278,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.05544794350862503},{"word":"have","start":746.085,"end":746.405,"confidence":0.9996847,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04059014841914177},{"word":"that","start":746.405,"end":746.72504,"confidence":0.9979748,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03666925430297851},{"word":"us","start":746.72504,"end":747.205,"confidence":0.9993356,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.0043884143233299255},{"word":"exposure","start":747.205,"end":747.705,"confidence":0.9983972,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.029448416084051132},{"word":"in","start":748.16504,"end":748.565,"confidence":0.999106,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06424840539693832},{"word":"the","start":748.565,"end":748.80505,"confidence":0.98480517,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06416937708854675},{"word":"isf","start":748.80505,"end":749.205,"confidence":0.50723547,"punctuated_word":"ISF","sentiment":"neutral","sentiment_score":0.04518171399831772},{"word":"s","start":749.205,"end":749.36505,"confidence":0.49233404,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.04797007888555527},{"word":"and","start":749.36505,"end":749.525,"confidence":0.9335961,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04791994392871857},{"word":"p","start":749.525,"end":749.84503,"confidence":0.9974469,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.042382411658763885},{"word":"540","start":749.84503,"end":751.04504,"confidence":0.9870905,"punctuated_word":"540.","sentiment":"neutral","sentiment_score":0.056749265640974045},{"word":"so","start":751.04504,"end":751.2,"confidence":0.80064994,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10467533767223358},{"word":"we","start":751.36,"end":751.52,"confidence":0.9999237,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0960949957370758},{"word":"don't","start":751.52,"end":751.60004,"confidence":0.9999576,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.07443144917488098},{"word":"wanna","start":751.60004,"end":751.84,"confidence":0.9578539,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.03241482004523277},{"word":"obviously","start":751.84,"end":752.34,"confidence":0.8717294,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.03400961309671402},{"word":"overdo","start":752.4,"end":752.8,"confidence":0.95391834,"punctuated_word":"overdo","sentiment":"neutral","sentiment_score":0.0018245454411953688},{"word":"one","start":752.8,"end":753.04004,"confidence":0.99937373,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.020578943192958832},{"word":"area","start":753.04004,"end":753.36,"confidence":0.9998271,"punctuated_word":"area","sentiment":"neutral","sentiment_score":0.026367276906967163},{"word":"as","start":753.36,"end":753.52,"confidence":0.9942994,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06057651340961456},{"word":"well","start":753.52,"end":753.76,"confidence":0.9881022,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.12738265097141266},{"word":"we","start":753.76,"end":753.84,"confidence":0.999265,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.2552958130836487},{"word":"wanna","start":753.84,"end":754.16003,"confidence":0.99543154,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.28058159351348877},{"word":"make","start":754.16003,"end":754.32,"confidence":0.9991787,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.270913302898407},{"word":"sure","start":754.32,"end":754.56,"confidence":0.9993042,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.34751632809638977},{"word":"it","start":754.56,"end":754.72003,"confidence":0.9992077,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3636979162693024},{"word":"is","start":754.72003,"end":754.96,"confidence":0.99958605,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.33640363812446594},{"word":"well","start":754.96,"end":755.2,"confidence":0.99781644,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.38444823026657104},{"word":"rounded","start":755.2,"end":755.7,"confidence":0.9841868,"punctuated_word":"rounded.","sentiment":"neutral","sentiment_score":0.3320828378200531},{"word":"so","start":755.84,"end":756.34,"confidence":0.98484737,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.25554803013801575},{"word":"so","start":756.56,"end":756.8,"confidence":0.75130385,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.32753515243530273},{"word":"overall","start":756.8,"end":757.3,"confidence":0.99931836,"punctuated_word":"overall,","sentiment":"neutral","sentiment_score":0.3297487497329712},{"word":"there's","start":757.52,"end":757.84,"confidence":0.9993243,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.2994791865348816},{"word":"no","start":757.84,"end":758.34,"confidence":0.7040407,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.22324693202972412},{"word":"big","start":758.72003,"end":759.12,"confidence":0.99638546,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.154986634850502},{"word":"changes","start":759.12,"end":759.60004,"confidence":0.9913807,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":0.17879793047904968},{"word":"there's","start":759.60004,"end":759.84,"confidence":0.76255655,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.264166921377182},{"word":"just","start":759.84,"end":760.08,"confidence":0.99956256,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2838086485862732},{"word":"a","start":760.08,"end":760.24,"confidence":0.9993487,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3126889169216156},{"word":"couple","start":760.24,"end":760.56,"confidence":0.9996197,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.30609315633773804},{"word":"of","start":760.56,"end":760.72003,"confidence":0.99990094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29537588357925415},{"word":"those","start":760.72003,"end":761.04004,"confidence":0.9984255,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.3569885194301605},{"word":"investments","start":761.04004,"end":761.54004,"confidence":0.9928698,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.20433031022548676},{"word":"that","start":761.60004,"end":761.84,"confidence":0.99985147,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3789581060409546},{"word":"we","start":761.84,"end":762.08,"confidence":0.99955267,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3893207907676697},{"word":"have","start":762.08,"end":762.48004,"confidence":0.99928147,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3785206079483032},{"word":"changed","start":762.48004,"end":762.88,"confidence":0.9994129,"punctuated_word":"changed","sentiment":"positive","sentiment_score":0.4615904688835144},{"word":"out","start":762.88,"end":763.38,"confidence":0.998348,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3612000346183777},{"word":"simply","start":763.79504,"end":764.03503,"confidence":0.99779886,"punctuated_word":"simply","sentiment":"positive","sentiment_score":0.4208923876285553},{"word":"to","start":764.03503,"end":764.195,"confidence":0.9830494,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3911316990852356},{"word":"try","start":764.195,"end":764.435,"confidence":0.9293343,"punctuated_word":"try","sentiment":"positive","sentiment_score":0.45931124687194824},{"word":"and","start":764.435,"end":764.515,"confidence":0.49864388,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3847463130950928},{"word":"improve","start":764.515,"end":764.995,"confidence":0.90919936,"punctuated_word":"improve","sentiment":"positive","sentiment_score":0.4636133313179016},{"word":"the","start":764.995,"end":765.155,"confidence":0.9973834,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.466555118560791},{"word":"returns","start":765.155,"end":765.555,"confidence":0.99193996,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.5954702496528625},{"word":"and","start":765.555,"end":765.79504,"confidence":0.99853075,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4008552134037018},{"word":"reduce","start":765.79504,"end":766.115,"confidence":0.9988188,"punctuated_word":"reduce","sentiment":"positive","sentiment_score":0.3579496145248413},{"word":"the","start":766.115,"end":766.35504,"confidence":0.99538827,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4224490821361542},{"word":"fees","start":766.35504,"end":766.67505,"confidence":0.9957326,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.434466689825058},{"word":"a","start":766.67505,"end":766.755,"confidence":0.9994624,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4523462653160095},{"word":"little","start":766.755,"end":766.995,"confidence":0.9999713,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.42965102195739746},{"word":"bit","start":766.995,"end":767.155,"confidence":0.99983835,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.5109491944313049},{"word":"for","start":767.155,"end":767.315,"confidence":0.99978405,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4712165892124176},{"word":"you","start":767.315,"end":767.555,"confidence":0.99990416,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4118402898311615},{"word":"so","start":767.555,"end":767.715,"confidence":0.92524135,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.35892820358276367},{"word":"that","start":767.715,"end":767.955,"confidence":0.9999336,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.37458711862564087},{"word":"when","start":767.955,"end":768.195,"confidence":0.9964498,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.4147204160690307},{"word":"you","start":768.195,"end":768.35504,"confidence":0.9992461,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.392939805984497},{"word":"do","start":768.35504,"end":768.59503,"confidence":0.9996314,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3344781696796417},{"word":"retire","start":768.59503,"end":768.995,"confidence":0.9682853,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":0.32225167751312256},{"word":"it'll","start":768.995,"end":769.23505,"confidence":0.87542635,"punctuated_word":"it'll","sentiment":"positive","sentiment_score":0.3566438555717468},{"word":"put","start":769.23505,"end":769.395,"confidence":0.99147123,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.3882109522819519},{"word":"in","start":769.395,"end":769.555,"confidence":0.50096613,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.40840497612953186},{"word":"a","start":769.555,"end":769.635,"confidence":0.9982887,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3208961486816406},{"word":"little","start":769.635,"end":769.875,"confidence":0.99968517,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.26623278856277466},{"word":"bit","start":769.875,"end":770.03503,"confidence":0.9995246,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.29703763127326965},{"word":"better","start":770.03503,"end":770.35504,"confidence":0.994207,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.2228520065546036},{"word":"position","start":770.35504,"end":770.85504,"confidence":0.9947222,"punctuated_word":"position.","sentiment":"neutral","sentiment_score":0.21228155493736267},{"word":"yep","start":771.875,"end":772.375,"confidence":0.96236444,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16957800090312958},{"word":"now","start":772.755,"end":773.23505,"confidence":0.9959561,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1162431389093399},{"word":"in","start":773.23505,"end":773.47504,"confidence":0.9926456,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08403122425079346},{"word":"the","start":773.47504,"end":773.715,"confidence":0.9998392,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10788946598768234},{"word":"appendix","start":773.715,"end":774.215,"confidence":0.9828686,"punctuated_word":"appendix,","sentiment":"neutral","sentiment_score":0.07580588757991791},{"word":"which","start":774.435,"end":774.67505,"confidence":0.99778455,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.062290385365486145},{"word":"is","start":774.67505,"end":774.91504,"confidence":0.9921783,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06939352303743362},{"word":"if","start":774.91504,"end":775.075,"confidence":0.8877065,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1007126197218895},{"word":"you","start":775.075,"end":775.315,"confidence":0.99986017,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08957153558731079},{"word":"go","start":775.315,"end":775.47504,"confidence":0.9995234,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06890882551670074},{"word":"back","start":775.47504,"end":775.635,"confidence":0.9998037,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.07306033372879028},{"word":"out","start":775.635,"end":775.955,"confidence":0.9996124,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0750100314617157},{"word":"later","start":775.955,"end":776.275,"confidence":0.91052115,"punctuated_word":"later,","sentiment":"neutral","sentiment_score":0.09030891954898834},{"word":"i","start":776.275,"end":776.35504,"confidence":0.6150029,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11456944793462752},{"word":"don't","start":776.35504,"end":776.59503,"confidence":0.9864327,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.06156864017248154},{"word":"have","start":776.59503,"end":776.755,"confidence":0.9993349,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.060658738017082214},{"word":"to","start":776.755,"end":776.91504,"confidence":0.9992316,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.061819255352020264},{"word":"do","start":776.91504,"end":777.075,"confidence":0.9996351,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05939872562885285},{"word":"it","start":777.075,"end":777.23505,"confidence":0.99974066,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08941569924354553},{"word":"now","start":777.23505,"end":777.73505,"confidence":0.9452591,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.0891365185379982},{"word":"you","start":777.89,"end":778.05,"confidence":0.9990657,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11033299565315248},{"word":"will","start":778.05,"end":778.29,"confidence":0.99992895,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.11037785559892654},{"word":"see","start":778.29,"end":778.45,"confidence":0.99974734,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09220463782548904},{"word":"a","start":778.45,"end":778.52997,"confidence":0.99937576,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09160760045051576},{"word":"couple","start":778.52997,"end":778.77,"confidence":0.9999379,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.07868489623069763},{"word":"of","start":778.77,"end":779.09,"confidence":0.9989642,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10710453987121582},{"word":"attachments","start":779.09,"end":779.59,"confidence":0.9363631,"punctuated_word":"attachments.","sentiment":"neutral","sentiment_score":0.0818328782916069},{"word":"so","start":779.81,"end":779.97,"confidence":0.9930744,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12422710657119752},{"word":"you'll","start":779.97,"end":780.21,"confidence":0.9951831,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.13232605159282684},{"word":"have","start":780.21,"end":780.45,"confidence":0.9998455,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15346939861774445},{"word":"a","start":780.45,"end":780.77,"confidence":0.9209376,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1316695660352707},{"word":"appendix","start":780.77,"end":781.25,"confidence":0.99947876,"punctuated_word":"appendix","sentiment":"neutral","sentiment_score":0.09416791051626204},{"word":"and","start":781.25,"end":781.41,"confidence":0.9991002,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10533492267131804},{"word":"some","start":781.41,"end":781.73,"confidence":0.99929297,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1271316260099411},{"word":"supporting","start":781.73,"end":782.23,"confidence":0.99857545,"punctuated_word":"supporting","sentiment":"neutral","sentiment_score":0.11319883167743684},{"word":"documents","start":782.37,"end":782.87,"confidence":0.7814752,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.11181287467479706},{"word":"that","start":783.17,"end":783.25,"confidence":0.9996253,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.13761454820632937},{"word":"is","start":783.25,"end":783.49,"confidence":0.99991095,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13520218431949615},{"word":"basically","start":783.49,"end":783.97,"confidence":0.987558,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.1535540074110031},{"word":"some","start":783.97,"end":784.29,"confidence":0.9990544,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11898975074291228},{"word":"research","start":784.29,"end":784.77,"confidence":0.9985661,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.12504515051841736},{"word":"for","start":784.77,"end":784.93,"confidence":0.99978894,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15308667719364166},{"word":"you","start":784.93,"end":785.17,"confidence":0.9997663,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14280012249946594},{"word":"if","start":785.17,"end":785.33,"confidence":0.96447355,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15890836715698242},{"word":"you","start":785.33,"end":785.49,"confidence":0.99976295,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16058838367462158},{"word":"do","start":785.49,"end":785.65,"confidence":0.99974674,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11724654585123062},{"word":"wanna","start":785.65,"end":785.97,"confidence":0.99157315,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1417340636253357},{"word":"read","start":785.97,"end":786.21,"confidence":0.9986082,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.090400792658329},{"word":"up","start":786.21,"end":786.37,"confidence":0.9938573,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.10967078059911728},{"word":"on","start":786.37,"end":786.52997,"confidence":0.99987423,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14100900292396543},{"word":"it","start":786.52997,"end":787.02997,"confidence":0.99170786,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.11006343364715576},{"word":"and","start":787.17,"end":787.41,"confidence":0.9984347,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1366453617811203},{"word":"in","start":787.41,"end":787.65,"confidence":0.9991486,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12701070308685303},{"word":"the","start":787.65,"end":788.15,"confidence":0.9995042,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14624297618865967},{"word":"appendix","start":788.21,"end":788.71,"confidence":0.96603954,"punctuated_word":"appendix,","sentiment":"neutral","sentiment_score":0.11350753903388976},{"word":"there","start":788.77,"end":789.01,"confidence":0.9902441,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.16062963008880615},{"word":"are","start":789.01,"end":789.17,"confidence":0.99934226,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16953416168689728},{"word":"actually","start":789.17,"end":789.67,"confidence":0.992765,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.16708815097808838},{"word":"investment","start":789.73,"end":790.23,"confidence":0.98759496,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.08551543951034546},{"word":"links","start":790.29,"end":790.61,"confidence":0.9170157,"punctuated_word":"links","sentiment":"neutral","sentiment_score":0.13324370980262756},{"word":"to","start":790.61,"end":790.77,"confidence":0.99959546,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18774116039276123},{"word":"all","start":790.77,"end":791.01,"confidence":0.9998728,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.13180771470069885},{"word":"of","start":791.01,"end":791.17,"confidence":0.99956995,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14503127336502075},{"word":"these","start":791.17,"end":791.41,"confidence":0.9980509,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.15928861498832703},{"word":"investments","start":791.41,"end":791.91,"confidence":0.9747821,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.09959707409143448},{"word":"so","start":791.97,"end":792.255,"confidence":0.8368226,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16444964706897736},{"word":"if","start":792.255,"end":792.415,"confidence":0.99962735,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2279428988695145},{"word":"it","start":792.415,"end":792.655,"confidence":0.99812907,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20387037098407745},{"word":"is","start":792.655,"end":792.735,"confidence":0.99875045,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1795826405286789},{"word":"that","start":792.735,"end":793.055,"confidence":0.9969892,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18416108191013336},{"word":"you","start":793.055,"end":793.215,"confidence":0.9996643,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17987793684005737},{"word":"want","start":793.215,"end":793.53503,"confidence":0.9988424,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.16424763202667236},{"word":"to","start":793.53503,"end":793.695,"confidence":0.9983328,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17462299764156342},{"word":"go","start":793.695,"end":793.855,"confidence":0.99946266,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.20028990507125857},{"word":"and","start":793.855,"end":794.015,"confidence":0.998147,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1942559778690338},{"word":"have","start":794.015,"end":794.175,"confidence":0.9999553,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16724301874637604},{"word":"a","start":794.175,"end":794.255,"confidence":0.9984629,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1571778655052185},{"word":"read","start":794.255,"end":794.575,"confidence":0.9982016,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.12909960746765137},{"word":"over","start":794.575,"end":794.815,"confidence":0.999561,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2066824585199356},{"word":"this","start":794.815,"end":795.135,"confidence":0.9940246,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2196226269006729},{"word":"in","start":795.135,"end":795.375,"confidence":0.9890431,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2067846953868866},{"word":"a","start":795.375,"end":795.455,"confidence":0.9999244,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21085816621780396},{"word":"bit","start":795.455,"end":795.615,"confidence":0.9998919,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1795182079076767},{"word":"more","start":795.615,"end":796.015,"confidence":0.9996816,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.15149840712547302},{"word":"detail","start":796.015,"end":796.495,"confidence":0.9992224,"punctuated_word":"detail","sentiment":"neutral","sentiment_score":0.19904978573322296},{"word":"as","start":796.495,"end":796.655,"confidence":0.999808,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21661719679832456},{"word":"well","start":796.655,"end":797.155,"confidence":0.998968,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.26290860772132874},{"word":"you're","start":797.215,"end":797.53503,"confidence":0.9993721,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.29880020022392273},{"word":"more","start":797.53503,"end":797.695,"confidence":0.99996173,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.3387066721916199},{"word":"than","start":797.695,"end":797.935,"confidence":0.99986637,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.34552624821662903},{"word":"welcome","start":797.935,"end":798.335,"confidence":0.99945825,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.3383203446865082},{"word":"to","start":798.335,"end":798.415,"confidence":0.999694,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27195337414741516},{"word":"do","start":798.415,"end":798.575,"confidence":0.99990296,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.22543653845787048},{"word":"so","start":798.575,"end":799.075,"confidence":0.99696076,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.21072882413864136},{"word":"yep","start":800.255,"end":800.755,"confidence":0.8721155,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4935533404350281},{"word":"perfect","start":801.215,"end":801.715,"confidence":0.9814782,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6390088200569153},{"word":"now","start":802.255,"end":802.575,"confidence":0.9976507,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.3023565411567688},{"word":"on","start":802.575,"end":802.735,"confidence":0.9977296,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.25418388843536377},{"word":"the","start":802.735,"end":802.895,"confidence":0.9997893,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2387220412492752},{"word":"next","start":802.895,"end":803.295,"confidence":0.99992716,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.19758571684360504},{"word":"page","start":803.295,"end":803.695,"confidence":0.9992882,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.19367654621601105},{"word":"you","start":803.695,"end":803.855,"confidence":0.99975353,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10051021724939346},{"word":"will","start":803.855,"end":804.09503,"confidence":0.99997044,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.13633573055267334},{"word":"then","start":804.09503,"end":804.415,"confidence":0.99989605,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1602475345134735},{"word":"see","start":804.415,"end":804.815,"confidence":0.9994729,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.22898462414741516},{"word":"the","start":804.815,"end":805.315,"confidence":0.946594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17501136660575867},{"word":"asset","start":805.615,"end":806.01,"confidence":0.5827342,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.15768416225910187},{"word":"allocation","start":806.25,"end":806.75,"confidence":0.99967265,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.20526841282844543},{"word":"table","start":806.81,"end":807.05,"confidence":0.9817046,"punctuated_word":"table.","sentiment":"neutral","sentiment_score":0.19670788943767548},{"word":"you're","start":807.05,"end":807.29004,"confidence":0.7418847,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.1581156998872757},{"word":"gonna","start":807.29004,"end":807.53,"confidence":0.9906199,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2061022073030472},{"word":"have","start":807.53,"end":807.61,"confidence":0.99928313,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2175171971321106},{"word":"a","start":807.61,"end":807.69,"confidence":0.99912494,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17159947752952576},{"word":"little","start":807.69,"end":807.93,"confidence":0.99953735,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.19814981520175937},{"word":"pie","start":807.93,"end":808.17,"confidence":0.9983004,"punctuated_word":"pie","sentiment":"neutral","sentiment_score":0.18724000453948977},{"word":"chart","start":808.17,"end":808.57,"confidence":0.997291,"punctuated_word":"chart","sentiment":"neutral","sentiment_score":0.25454750657081604},{"word":"as","start":808.57,"end":808.73,"confidence":0.9995683,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18930642306804657},{"word":"well","start":808.73,"end":808.97003,"confidence":0.99799055,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1715679168701172},{"word":"can","start":808.97003,"end":809.13,"confidence":0.9997824,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.09817125648260117},{"word":"you","start":809.13,"end":809.29004,"confidence":0.9999502,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09703869372606276},{"word":"see","start":809.29004,"end":809.45,"confidence":0.99962413,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1170538291335106},{"word":"that","start":809.45,"end":809.95,"confidence":0.9999086,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.1011422723531723},{"word":"yep","start":810.49,"end":810.99,"confidence":0.9183799,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1462106555700302},{"word":"perfect","start":811.37,"end":811.87,"confidence":0.9993303,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.45734575390815735},{"word":"so","start":812.01,"end":812.17,"confidence":0.99959487,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20633096992969513},{"word":"you","start":812.17,"end":812.33,"confidence":0.99974316,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19297237694263455},{"word":"can","start":812.33,"end":812.57,"confidence":0.99988616,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.23443710803985596},{"word":"see","start":812.57,"end":812.81,"confidence":0.99913883,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2679705321788788},{"word":"here","start":812.81,"end":813.13,"confidence":0.99971074,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.22541913390159607},{"word":"the","start":813.13,"end":813.45,"confidence":0.6586935,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2034582942724228},{"word":"the","start":813.45,"end":813.95,"confidence":0.99350375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12449684739112854},{"word":"second","start":814.41003,"end":814.81,"confidence":0.9970694,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.12487366050481796},{"word":"column","start":814.81,"end":815.21,"confidence":0.99980956,"punctuated_word":"column","sentiment":"neutral","sentiment_score":0.1636086404323578},{"word":"where","start":815.21,"end":815.37,"confidence":0.9254067,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.11539541184902193},{"word":"it","start":815.37,"end":815.45,"confidence":0.9902866,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1241685003042221},{"word":"says","start":815.45,"end":815.69,"confidence":0.9799754,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.16077634692192078},{"word":"the","start":815.69,"end":815.85004,"confidence":0.9867394,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16172124445438385},{"word":"risk","start":815.85004,"end":816.25,"confidence":0.99233246,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.13704785704612732},{"word":"profile","start":816.25,"end":816.75,"confidence":0.9967288,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.12897011637687683},{"word":"is","start":817.05,"end":817.29004,"confidence":0.9627489,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15694743394851685},{"word":"that","start":817.29004,"end":817.61,"confidence":0.96137553,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18119904398918152},{"word":"ninety","start":817.61,"end":818.11,"confidence":0.9968453,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.1219353973865509},{"word":"ten","start":818.17,"end":818.57,"confidence":0.88901424,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.1349799931049347},{"word":"split","start":818.57,"end":819.07,"confidence":0.86471283,"punctuated_word":"split,","sentiment":"neutral","sentiment_score":0.12002459913492204},{"word":"90","start":819.515,"end":820.015,"confidence":0.9978846,"punctuated_word":"90","sentiment":"neutral","sentiment_score":0.1118067055940628},{"word":"growth","start":820.155,"end":820.47504,"confidence":0.76558805,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.1510269045829773},{"word":"10","start":820.47504,"end":820.955,"confidence":0.993983,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.17117944359779358},{"word":"defensive","start":820.955,"end":821.455,"confidence":0.9570041,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":0.12571711838245392},{"word":"you","start":822.315,"end":822.47504,"confidence":0.99934524,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.12416818737983704},{"word":"have","start":822.47504,"end":822.97504,"confidence":0.9999461,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16907362639904022},{"word":"the","start":823.03503,"end":823.275,"confidence":0.99890256,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15171445906162262},{"word":"existing","start":823.275,"end":823.775,"confidence":0.99992204,"punctuated_word":"existing","sentiment":"neutral","sentiment_score":0.104709692299366},{"word":"portfolio","start":823.915,"end":824.415,"confidence":0.9998374,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.11013834178447723},{"word":"and","start":824.555,"end":824.715,"confidence":0.8187444,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1332864612340927},{"word":"then","start":824.715,"end":824.955,"confidence":0.99950147,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.19263069331645968},{"word":"the","start":824.955,"end":825.115,"confidence":0.9991259,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14748647809028623},{"word":"proposed","start":825.115,"end":825.615,"confidence":0.8707637,"punctuated_word":"proposed.","sentiment":"neutral","sentiment_score":0.1433907300233841},{"word":"and","start":825.755,"end":825.915,"confidence":0.9987676,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1581711769104004},{"word":"you","start":825.915,"end":826.075,"confidence":0.9998692,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13514594733715057},{"word":"can","start":826.075,"end":826.315,"confidence":0.9996069,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1619415432214737},{"word":"see","start":826.315,"end":826.555,"confidence":0.9962845,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1749325543642044},{"word":"that","start":826.555,"end":826.715,"confidence":0.989311,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13824623823165894},{"word":"both","start":826.715,"end":827.115,"confidence":0.9979273,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.12431473284959792},{"word":"existing","start":827.115,"end":827.59503,"confidence":0.94057167,"punctuated_word":"existing","sentiment":"neutral","sentiment_score":0.10611995309591292},{"word":"and","start":827.59503,"end":827.755,"confidence":0.9990746,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13801538944244385},{"word":"the","start":827.755,"end":827.915,"confidence":0.9971175,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1749703735113144},{"word":"proposed","start":827.915,"end":828.415,"confidence":0.99806005,"punctuated_word":"proposed","sentiment":"neutral","sentiment_score":0.118535578250885},{"word":"are","start":828.47504,"end":828.635,"confidence":0.99971753,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.19701583683490753},{"word":"quite","start":828.635,"end":828.955,"confidence":0.9999236,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.1974408328533173},{"word":"similar","start":828.955,"end":829.455,"confidence":0.9998926,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.18496301770210263},{"word":"in","start":829.915,"end":830.235,"confidence":0.9980191,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20274265110492704},{"word":"regards","start":830.235,"end":830.715,"confidence":0.9983051,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.2057156562805176},{"word":"through","start":830.715,"end":831.03503,"confidence":0.6072673,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.18451587855815887},{"word":"that","start":831.03503,"end":831.435,"confidence":0.99557674,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.257746160030365},{"word":"risk","start":831.435,"end":831.835,"confidence":0.9988426,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.13394370675086975},{"word":"allocation","start":831.835,"end":832.335,"confidence":0.9996008,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.15898913145065308},{"word":"for","start":832.635,"end":832.795,"confidence":0.999671,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16317574679851532},{"word":"you","start":832.795,"end":833.28,"confidence":0.9997071,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1096409112215042},{"word":"any","start":835.2,"end":835.44,"confidence":0.99948764,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.025905774906277657},{"word":"questions","start":835.44,"end":835.92004,"confidence":0.9920934,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.016765132546424866},{"word":"so","start":835.92004,"end":836.08,"confidence":0.99957687,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.019072813913226128},{"word":"far","start":836.08,"end":836.58,"confidence":0.9998871,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.024942003190517426},{"word":"no","start":838.0,"end":838.5,"confidence":0.7454949,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13417239487171173},{"word":"yeah","start":840.08,"end":840.48004,"confidence":0.7835606,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.033205702900886536},{"word":"mhmm","start":840.48004,"end":840.72003,"confidence":0.893571,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09721869230270386},{"word":"perfect","start":840.72003,"end":841.22003,"confidence":0.985322,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.31305062770843506},{"word":"which","start":841.60004,"end":841.92004,"confidence":0.9949142,"punctuated_word":"Which","sentiment":"neutral","sentiment_score":0.18771180510520935},{"word":"almost","start":841.92004,"end":842.32,"confidence":0.9990513,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":0.16652755439281464},{"word":"takes","start":842.32,"end":842.64,"confidence":0.9989793,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.20220912992954257},{"word":"us","start":842.64,"end":843.14,"confidence":0.9991478,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.2125311493873596},{"word":"through","start":843.36005,"end":843.86005,"confidence":0.6411929,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2073577791452408},{"word":"the","start":843.92004,"end":844.24005,"confidence":0.99722797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1815340518951416},{"word":"end","start":844.24005,"end":844.64,"confidence":0.89445955,"punctuated_word":"end,","sentiment":"neutral","sentiment_score":0.1754572093486786},{"word":"actually","start":844.64,"end":845.14,"confidence":0.9651407,"punctuated_word":"actually.","sentiment":"neutral","sentiment_score":0.17271080613136292},{"word":"and","start":845.52,"end":845.76,"confidence":0.9893022,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.16223983466625214},{"word":"if","start":845.76,"end":845.92004,"confidence":0.9989471,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16019508242607117},{"word":"you","start":845.92004,"end":846.08,"confidence":0.99991333,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1496286690235138},{"word":"then","start":846.08,"end":846.24005,"confidence":0.9895527,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16636748611927032},{"word":"wanna","start":846.24005,"end":846.64,"confidence":0.9908568,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1559441089630127},{"word":"scroll","start":846.64,"end":847.04004,"confidence":0.9987747,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.09501881152391434},{"word":"through","start":847.04004,"end":847.28,"confidence":0.9476883,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14175058901309967},{"word":"page","start":847.28,"end":847.665,"confidence":0.9993368,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.1284514218568802},{"word":"21","start":847.90497,"end":848.64496,"confidence":0.9997866,"punctuated_word":"21","sentiment":"neutral","sentiment_score":0.15636980533599854},{"word":"for","start":848.70496,"end":848.865,"confidence":0.9991379,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13150201737880707},{"word":"me","start":848.865,"end":849.185,"confidence":0.9863694,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.15010330080986023},{"word":"i","start":849.185,"end":849.345,"confidence":0.99919385,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18553458154201508},{"word":"just","start":849.345,"end":849.58496,"confidence":0.94468325,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16860294342041016},{"word":"wanna","start":849.58496,"end":849.985,"confidence":0.9949142,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.19383153319358823},{"word":"highlight","start":849.985,"end":850.38495,"confidence":0.99975556,"punctuated_word":"highlight","sentiment":"neutral","sentiment_score":0.1876774430274963},{"word":"the","start":850.38495,"end":850.625,"confidence":0.95016366,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22678199410438535},{"word":"remuneration","start":850.625,"end":851.125,"confidence":0.9263237,"punctuated_word":"remuneration","sentiment":"neutral","sentiment_score":0.17453455924987793},{"word":"for","start":851.505,"end":851.745,"confidence":0.99956995,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19812831282615664},{"word":"you","start":851.745,"end":851.985,"confidence":0.9998963,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21438653767108917},{"word":"once","start":851.985,"end":852.38495,"confidence":0.9445501,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.2410044223070145},{"word":"more","start":852.38495,"end":852.88495,"confidence":0.99649304,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.21577538549900055},{"word":"just","start":853.185,"end":853.505,"confidence":0.6364068,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18765974044799805},{"word":"to","start":853.505,"end":853.58496,"confidence":0.9998078,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1714468151330948},{"word":"be","start":853.58496,"end":853.745,"confidence":0.9997631,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17269347608089447},{"word":"sure","start":853.745,"end":854.245,"confidence":0.99716055,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.18627306818962097},{"word":"yes","start":857.505,"end":858.005,"confidence":0.99390626,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.18226143717765808},{"word":"so","start":858.46497,"end":858.70496,"confidence":0.8135836,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.2951892614364624},{"word":"obviously","start":858.70496,"end":859.185,"confidence":0.999699,"punctuated_word":"obviously,","sentiment":"positive","sentiment_score":0.3473249077796936},{"word":"if","start":859.185,"end":859.345,"confidence":0.99979085,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4179641902446747},{"word":"you","start":859.345,"end":859.505,"confidence":0.9999732,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4517269730567932},{"word":"are","start":859.505,"end":859.745,"confidence":0.9768255,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4019969701766968},{"word":"happy","start":859.745,"end":860.14496,"confidence":0.9999783,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.43661782145500183},{"word":"to","start":860.14496,"end":860.305,"confidence":0.9994573,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27068832516670227},{"word":"go","start":860.305,"end":860.545,"confidence":0.999959,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.3238900303840637},{"word":"ahead","start":860.545,"end":860.865,"confidence":0.9998394,"punctuated_word":"ahead","sentiment":"positive","sentiment_score":0.3432352840900421},{"word":"with","start":860.865,"end":861.02496,"confidence":0.99988234,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.36999955773353577},{"word":"this","start":861.02496,"end":861.42,"confidence":0.99498665,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3635797500610352},{"word":"change","start":861.42,"end":861.66,"confidence":0.9992513,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.2803410589694977},{"word":"when","start":861.66,"end":861.89996,"confidence":0.9528927,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.25126564502716064},{"word":"you've","start":861.89996,"end":862.1,"confidence":0.948897,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.2572157382965088},{"word":"had","start":862.1,"end":862.3,"confidence":0.9991161,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.2702483534812927},{"word":"a","start":862.3,"end":862.45996,"confidence":0.85337716,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24289119243621823},{"word":"time","start":862.45996,"end":862.7,"confidence":0.98298484,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2414929121732712},{"word":"to","start":862.7,"end":862.86,"confidence":0.9996132,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22360500693321228},{"word":"have","start":862.86,"end":863.01996,"confidence":0.9998821,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23278634250164032},{"word":"a","start":863.01996,"end":863.1,"confidence":0.9975297,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2149748057126999},{"word":"read","start":863.1,"end":863.33997,"confidence":0.9945315,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.19193929433822632},{"word":"over","start":863.33997,"end":863.66,"confidence":0.99895895,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.21778430044651031},{"word":"it","start":863.66,"end":864.16,"confidence":0.9873233,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.2303699553012848},{"word":"there","start":864.45996,"end":864.62,"confidence":0.8886425,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2084038257598877},{"word":"is","start":864.62,"end":864.86,"confidence":0.99971634,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15099835395812988},{"word":"no","start":864.86,"end":865.1,"confidence":0.9999032,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.1820257604122162},{"word":"additional","start":865.1,"end":865.6,"confidence":0.9998876,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.05763638019561768},{"word":"fees","start":865.66,"end":866.16,"confidence":0.994319,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.09566136449575424},{"word":"or","start":866.62,"end":866.77997,"confidence":0.9731758,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0931582972407341},{"word":"charges","start":866.77997,"end":867.27997,"confidence":0.99948406,"punctuated_word":"charges","sentiment":"neutral","sentiment_score":0.06571588665246964},{"word":"at","start":867.42,"end":867.57996,"confidence":0.999694,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2135046124458313},{"word":"all","start":867.57996,"end":868.07996,"confidence":0.9996784,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.27065426111221313},{"word":"to","start":868.3,"end":868.54,"confidence":0.99707806,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2324720025062561},{"word":"make","start":868.54,"end":868.86,"confidence":0.99974173,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2786792516708374},{"word":"the","start":868.86,"end":869.1,"confidence":0.9884553,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2751290202140808},{"word":"change","start":869.1,"end":869.57996,"confidence":0.99981844,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":0.23287782073020935},{"word":"it","start":869.57996,"end":869.74,"confidence":0.9997645,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2113361954689026},{"word":"is","start":869.74,"end":869.98,"confidence":0.99989235,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.25202375650405884},{"word":"simply","start":869.98,"end":870.48,"confidence":0.9998117,"punctuated_word":"simply","sentiment":"neutral","sentiment_score":0.29281699657440186},{"word":"just","start":870.77997,"end":870.94,"confidence":0.9940105,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3218240737915039},{"word":"that","start":870.94,"end":871.18,"confidence":0.99215335,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.364263653755188},{"word":"usual","start":871.18,"end":871.68,"confidence":0.9635081,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":0.3266885578632355},{"word":"1.65","start":871.74,"end":872.94,"confidence":0.9915456,"punctuated_word":"1.65","sentiment":"neutral","sentiment_score":0.2290547788143158},{"word":"ongoing","start":872.94,"end":873.44,"confidence":0.9981369,"punctuated_word":"ongoing","sentiment":"positive","sentiment_score":0.3346361219882965},{"word":"device","start":873.57996,"end":873.98,"confidence":0.33882543,"punctuated_word":"device","sentiment":"neutral","sentiment_score":0.24748358130455017},{"word":"fee","start":873.98,"end":874.13995,"confidence":0.9719043,"punctuated_word":"fee.","sentiment":"neutral","sentiment_score":0.2743990421295166},{"word":"it's","start":874.13995,"end":874.3,"confidence":0.99956656,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2894953489303589},{"word":"all","start":874.3,"end":874.54,"confidence":0.99978966,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2864448130130768},{"word":"part","start":874.54,"end":874.86,"confidence":0.9997806,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.3227655589580536},{"word":"of","start":874.86,"end":874.94,"confidence":0.99985766,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.36011603474617004},{"word":"the","start":874.94,"end":875.18,"confidence":0.98838776,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3808857202529907},{"word":"service","start":875.18,"end":875.68,"confidence":0.9898554,"punctuated_word":"service.","sentiment":"positive","sentiment_score":0.3542918860912323},{"word":"obviously","start":876.605,"end":876.845,"confidence":0.977596,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.3125319480895996},{"word":"all","start":876.845,"end":877.085,"confidence":0.999861,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.41342464089393616},{"word":"the","start":877.085,"end":877.245,"confidence":0.9989083,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3859424889087677},{"word":"research","start":877.245,"end":877.645,"confidence":0.99916947,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.33208829164505005},{"word":"and","start":877.645,"end":877.805,"confidence":0.99879634,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3893782198429108},{"word":"everything","start":877.805,"end":878.125,"confidence":0.9999212,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.4612968266010285},{"word":"is","start":878.125,"end":878.365,"confidence":0.6253148,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.369983047246933},{"word":"all","start":878.365,"end":878.52496,"confidence":0.9998259,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3810887932777405},{"word":"part","start":878.52496,"end":878.765,"confidence":0.99972826,"punctuated_word":"part","sentiment":"positive","sentiment_score":0.3779357373714447},{"word":"of","start":878.765,"end":878.925,"confidence":0.9998499,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3954007923603058},{"word":"that","start":878.925,"end":879.165,"confidence":0.96623194,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.33249756693840027},{"word":"so","start":879.165,"end":879.40497,"confidence":0.99084985,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.30781617760658264},{"word":"if","start":879.40497,"end":879.645,"confidence":0.99843496,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.30812138319015503},{"word":"it","start":879.645,"end":879.805,"confidence":0.99958986,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3082185983657837},{"word":"is","start":879.805,"end":879.96497,"confidence":0.9996835,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2941741645336151},{"word":"that","start":879.96497,"end":880.045,"confidence":0.9987135,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.33102601766586304},{"word":"you","start":880.045,"end":880.205,"confidence":0.9998745,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32363903522491455},{"word":"do","start":880.205,"end":880.365,"confidence":0.99978596,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.31071746349334717},{"word":"wanna","start":880.365,"end":880.605,"confidence":0.99012905,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.3145082890987396},{"word":"go","start":880.605,"end":880.845,"confidence":0.9996146,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.36950668692588806},{"word":"ahead","start":880.845,"end":881.345,"confidence":0.9994109,"punctuated_word":"ahead,","sentiment":"neutral","sentiment_score":0.31537091732025146},{"word":"no","start":881.725,"end":881.885,"confidence":0.9997359,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.1970321089029312},{"word":"additional","start":881.885,"end":882.365,"confidence":0.9999163,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.013295285403728483},{"word":"fees","start":882.365,"end":882.765,"confidence":0.99811125,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.09868010878562929},{"word":"or","start":882.765,"end":883.005,"confidence":0.9952181,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11239281296730042},{"word":"charges","start":883.005,"end":883.505,"confidence":0.99948114,"punctuated_word":"charges","sentiment":"neutral","sentiment_score":0.08601057529449463},{"word":"at","start":883.565,"end":883.725,"confidence":0.9993197,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2939876616001129},{"word":"all","start":883.725,"end":884.225,"confidence":0.9998208,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.23006129264831543},{"word":"yep","start":885.485,"end":885.985,"confidence":0.99237454,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04713387042284012},{"word":"now","start":886.125,"end":886.365,"confidence":0.9988219,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.02673291601240635},{"word":"we","start":886.365,"end":886.52496,"confidence":0.99714285,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02558104880154133},{"word":"have","start":886.52496,"end":886.685,"confidence":0.99975806,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04258736968040466},{"word":"this","start":886.685,"end":886.925,"confidence":0.97209597,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.036567866802215576},{"word":"listed","start":886.925,"end":887.325,"confidence":0.9983228,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.04283937066793442},{"word":"underneath","start":887.325,"end":887.825,"confidence":0.998934,"punctuated_word":"underneath","sentiment":"neutral","sentiment_score":0.03842343017458916},{"word":"that","start":887.96497,"end":888.285,"confidence":0.99923944,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.031266819685697556},{"word":"as","start":888.285,"end":888.445,"confidence":0.9998753,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03153812885284424},{"word":"well","start":888.445,"end":888.945,"confidence":0.89574647,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.03744354099035263},{"word":"the","start":889.44,"end":889.76,"confidence":0.8163358,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.037078358232975006},{"word":"insurances","start":889.76,"end":890.26,"confidence":0.9809809,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":0.03082447499036789},{"word":"so","start":890.4,"end":890.64,"confidence":0.9935638,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02986730076372623},{"word":"we","start":890.64,"end":890.80005,"confidence":0.99979025,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03302215412259102},{"word":"do","start":890.80005,"end":890.96,"confidence":0.99979216,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03875263035297394},{"word":"get","start":890.96,"end":891.28,"confidence":0.9995078,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.04793024063110352},{"word":"commissions","start":891.28,"end":891.78,"confidence":0.9889081,"punctuated_word":"commissions","sentiment":"neutral","sentiment_score":0.029012050479650497},{"word":"from","start":892.0,"end":892.5,"confidence":0.99972874,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.06096464395523071},{"word":"the","start":892.64,"end":892.96,"confidence":0.99558556,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06688422709703445},{"word":"insurer","start":892.96,"end":893.46,"confidence":0.9632819,"punctuated_word":"insurer,","sentiment":"neutral","sentiment_score":0.06145942583680153},{"word":"which","start":894.24005,"end":894.48004,"confidence":0.9429791,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.05584230273962021},{"word":"is","start":894.48004,"end":894.72003,"confidence":0.99982786,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03276091068983078},{"word":"23%","start":894.72003,"end":895.92004,"confidence":0.9100208,"punctuated_word":"23%","sentiment":"neutral","sentiment_score":0.05004379898309707},{"word":"of","start":895.92004,"end":896.24005,"confidence":0.99768364,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04708119481801987},{"word":"the","start":896.24005,"end":896.48004,"confidence":0.99826837,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.036807574331760406},{"word":"premium","start":896.48004,"end":896.98004,"confidence":0.9997348,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.025788072496652603},{"word":"ongoing","start":897.28,"end":897.78,"confidence":0.7731823,"punctuated_word":"ongoing,","sentiment":"neutral","sentiment_score":0.026394546031951904},{"word":"but","start":898.4,"end":898.48004,"confidence":0.9652865,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0017646104097366333},{"word":"that","start":898.48004,"end":898.64,"confidence":0.9991928,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.017314009368419647},{"word":"is","start":898.64,"end":898.88,"confidence":0.9953094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.007556196302175522},{"word":"me","start":898.88,"end":899.2,"confidence":0.7495003,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.00027563050389289856},{"word":"of","start":899.2,"end":899.44,"confidence":0.67275894,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01468309760093689},{"word":"paying","start":899.44,"end":899.84,"confidence":0.9985306,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.018722541630268097},{"word":"us","start":899.84,"end":900.24005,"confidence":0.9840927,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":-0.004462325945496559},{"word":"it","start":900.24005,"end":900.4,"confidence":0.9993938,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.03166796267032623},{"word":"is","start":900.4,"end":900.56,"confidence":0.999889,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03781713545322418},{"word":"not","start":900.56,"end":900.88,"confidence":0.99992347,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03846871107816696},{"word":"you","start":900.88,"end":901.12,"confidence":0.9993375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.024707045406103138},{"word":"paying","start":901.12,"end":901.52,"confidence":0.9994522,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.019148215651512143},{"word":"us","start":901.52,"end":901.875,"confidence":0.93170905,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.020713942125439644},{"word":"but","start":902.355,"end":902.515,"confidence":0.5256042,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03810354694724083},{"word":"for","start":902.515,"end":902.915,"confidence":0.9961892,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02872702479362488},{"word":"compliance","start":902.915,"end":903.395,"confidence":0.99647385,"punctuated_word":"compliance","sentiment":"neutral","sentiment_score":0.01083531603217125},{"word":"purposes","start":903.395,"end":903.795,"confidence":0.9759173,"punctuated_word":"purposes","sentiment":"neutral","sentiment_score":0.0028939731419086456},{"word":"and","start":903.795,"end":904.035,"confidence":0.72840977,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.019541796296834946},{"word":"to","start":904.035,"end":904.195,"confidence":0.99953604,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.022759299725294113},{"word":"make","start":904.195,"end":904.355,"confidence":0.9992773,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.02852994203567505},{"word":"sure","start":904.355,"end":904.515,"confidence":0.99955314,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.04014180228114128},{"word":"that","start":904.515,"end":904.675,"confidence":0.9989712,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05923125892877579},{"word":"you","start":904.675,"end":904.835,"confidence":0.99989116,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10692179203033449},{"word":"are","start":904.835,"end":905.075,"confidence":0.9990464,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08785044401884079},{"word":"fully","start":905.075,"end":905.395,"confidence":0.99987185,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.11199492961168288},{"word":"informed","start":905.395,"end":905.795,"confidence":0.9993856,"punctuated_word":"informed","sentiment":"neutral","sentiment_score":0.09248730540275574},{"word":"of","start":905.795,"end":906.035,"confidence":0.9995277,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12171973288059236},{"word":"everything","start":906.035,"end":906.355,"confidence":0.997077,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":0.06575041264295578},{"word":"we","start":906.355,"end":906.595,"confidence":0.99910825,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05009721964597702},{"word":"do","start":906.595,"end":906.755,"confidence":0.99942434,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.045408427715301514},{"word":"have","start":906.755,"end":906.995,"confidence":0.9995689,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06581063568592072},{"word":"to","start":906.995,"end":907.475,"confidence":0.96449727,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05058667063713074},{"word":"disclose","start":907.475,"end":907.875,"confidence":0.99057275,"punctuated_word":"disclose","sentiment":"neutral","sentiment_score":0.05054238066077232},{"word":"it","start":907.875,"end":908.035,"confidence":0.974871,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03726133704185486},{"word":"so","start":908.035,"end":908.275,"confidence":0.95899147,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.013025321066379549},{"word":"you","start":908.275,"end":908.435,"confidence":0.99951875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07140401005744934},{"word":"are","start":908.435,"end":908.835,"confidence":0.9985512,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03774869814515114},{"word":"aware","start":908.835,"end":909.335,"confidence":0.9652364,"punctuated_word":"aware.","sentiment":"neutral","sentiment_score":0.02844640426337719},{"word":"but","start":909.715,"end":909.955,"confidence":0.9480506,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.011009720154106615},{"word":"again","start":909.955,"end":910.275,"confidence":0.9999701,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.009547209367156029},{"word":"it","start":910.275,"end":910.435,"confidence":0.99983716,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.013088393956422806},{"word":"is","start":910.435,"end":910.595,"confidence":0.99979323,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01736108958721161},{"word":"not","start":910.595,"end":910.915,"confidence":0.99969566,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03808826208114624},{"word":"you","start":910.915,"end":911.155,"confidence":0.99898833,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03009842336177826},{"word":"paying","start":911.155,"end":911.395,"confidence":0.9996032,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.03411320596933365},{"word":"that","start":911.395,"end":911.555,"confidence":0.9997677,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.024806059896945953},{"word":"amount","start":911.555,"end":911.955,"confidence":0.9457385,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":-0.05513756722211838},{"word":"it","start":911.955,"end":912.035,"confidence":0.9991431,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.016749240458011627},{"word":"is","start":912.035,"end":912.195,"confidence":0.9998393,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.009382560849189758},{"word":"the","start":912.195,"end":912.435,"confidence":0.9988575,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00869569182395935},{"word":"insurer","start":912.435,"end":912.915,"confidence":0.97849613,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":0.019295575097203255},{"word":"paying","start":912.915,"end":913.315,"confidence":0.9857547,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.007044102996587753},{"word":"us","start":913.315,"end":913.815,"confidence":0.95451033,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.013058941811323166},{"word":"any","start":915.65,"end":916.05,"confidence":0.9979539,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.005397694185376167},{"word":"questions","start":916.05,"end":916.55,"confidence":0.8857585,"punctuated_word":"questions?","sentiment":"neutral","sentiment_score":-0.0022872155532240868},{"word":"no","start":917.49,"end":917.99,"confidence":0.88371074,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14000192284584043},{"word":"yeah","start":918.37,"end":918.85004,"confidence":0.96385825,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10391484200954436},{"word":"perfect","start":918.85004,"end":919.35004,"confidence":0.98685503,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.430396020412445},{"word":"which","start":919.89,"end":920.29004,"confidence":0.98816663,"punctuated_word":"Which","sentiment":"neutral","sentiment_score":0.2349186539649963},{"word":"essentially","start":920.29004,"end":920.79004,"confidence":0.90629405,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.14762960374355316},{"word":"just","start":920.85004,"end":921.09,"confidence":0.98651034,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17766740918159485},{"word":"summarizes","start":921.09,"end":921.59,"confidence":0.9990146,"punctuated_word":"summarizes","sentiment":"neutral","sentiment_score":0.2021852880716324},{"word":"everything","start":921.89,"end":922.37,"confidence":0.99979264,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.21539516746997833},{"word":"at","start":922.37,"end":922.61,"confidence":0.99849355,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18338769674301147},{"word":"the","start":922.61,"end":922.77,"confidence":0.99963534,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21605531871318817},{"word":"end","start":922.77,"end":923.27,"confidence":0.97563845,"punctuated_word":"end.","sentiment":"neutral","sentiment_score":0.2163153886795044},{"word":"so","start":923.41003,"end":923.57,"confidence":0.9806927,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1516193151473999},{"word":"it","start":923.57,"end":923.73004,"confidence":0.98711956,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1548108011484146},{"word":"talks","start":923.73004,"end":924.13,"confidence":0.998777,"punctuated_word":"talks","sentiment":"neutral","sentiment_score":0.12297748029232024},{"word":"about","start":924.13,"end":924.37,"confidence":0.9928186,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12308736890554428},{"word":"authority","start":924.37,"end":924.87,"confidence":0.85570955,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.22260712087154388},{"word":"to","start":924.93,"end":925.17004,"confidence":0.99519026,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21783296763896945},{"word":"proceed","start":925.17004,"end":925.65,"confidence":0.8225405,"punctuated_word":"proceed.","sentiment":"neutral","sentiment_score":0.2566325068473816},{"word":"that","start":925.65,"end":925.89,"confidence":0.9441728,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2198214530944824},{"word":"is","start":925.89,"end":926.05,"confidence":0.99820745,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1766556054353714},{"word":"if","start":926.05,"end":926.21,"confidence":0.83084846,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2737889885902405},{"word":"you","start":926.21,"end":926.37,"confidence":0.99981433,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3845673203468323},{"word":"are","start":926.37,"end":926.53,"confidence":0.9691955,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3616516888141632},{"word":"happy","start":926.53,"end":926.93,"confidence":0.999895,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.3411535620689392},{"word":"to","start":926.93,"end":927.09,"confidence":0.99944884,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3995771408081054},{"word":"go","start":927.09,"end":927.33,"confidence":0.99991536,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.44672709703445435},{"word":"ahead","start":927.33,"end":927.83,"confidence":0.8194547,"punctuated_word":"ahead.","sentiment":"positive","sentiment_score":0.3761838674545288},{"word":"basically","start":928.53,"end":929.03,"confidence":0.8042104,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":0.14533866941928864},{"word":"we","start":929.09,"end":929.25,"confidence":0.99969995,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18921621143817904},{"word":"are","start":929.25,"end":929.75,"confidence":0.9997584,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2404659688472748},{"word":"keeping","start":929.775,"end":930.015,"confidence":0.9995746,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.2498236298561096},{"word":"your","start":930.015,"end":930.255,"confidence":0.5400137,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22901497781276703},{"word":"net","start":930.255,"end":930.41504,"confidence":0.9359215,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.2446123957633972},{"word":"wealth","start":930.41504,"end":930.73505,"confidence":0.7205528,"punctuated_word":"wealth","sentiment":"neutral","sentiment_score":0.3009459972381592},{"word":"and","start":930.73505,"end":930.895,"confidence":0.98124,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16000036895275116},{"word":"not","start":930.895,"end":931.135,"confidence":0.9977723,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.13618287444114685},{"word":"making","start":931.135,"end":931.375,"confidence":0.99987924,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.09826873242855072},{"word":"any","start":931.375,"end":931.695,"confidence":0.99917245,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.05639416724443436},{"word":"changes","start":931.695,"end":932.015,"confidence":0.9994923,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.0446554496884346},{"word":"there","start":932.015,"end":932.335,"confidence":0.7280708,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.15376976132392883},{"word":"literally","start":932.335,"end":932.815,"confidence":0.8554715,"punctuated_word":"Literally","sentiment":"neutral","sentiment_score":0.1827118843793869},{"word":"just","start":932.815,"end":933.135,"confidence":0.7110456,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2471456527709961},{"word":"swapping","start":933.135,"end":933.61505,"confidence":0.9861022,"punctuated_word":"swapping","sentiment":"neutral","sentiment_score":0.2924518585205078},{"word":"some","start":933.61505,"end":933.775,"confidence":0.99790204,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2644267678260803},{"word":"of","start":933.775,"end":933.935,"confidence":0.99952364,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3630654215812683},{"word":"those","start":933.935,"end":934.435,"confidence":0.99766266,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.3363042175769806},{"word":"investments","start":934.495,"end":934.995,"confidence":0.99626523,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.07616263628005981},{"word":"for","start":935.53503,"end":935.775,"confidence":0.99804723,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2713083028793335},{"word":"you","start":935.775,"end":936.275,"confidence":0.9203548,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.24966226518154144},{"word":"and","start":936.895,"end":937.215,"confidence":0.9929295,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.18505588173866272},{"word":"by","start":937.215,"end":937.455,"confidence":0.9396919,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.15206599235534668},{"word":"going","start":937.455,"end":937.695,"confidence":0.99986494,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.25488439202308655},{"word":"ahead","start":937.695,"end":937.935,"confidence":0.9996836,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.2643921971321106},{"word":"when","start":937.935,"end":938.17505,"confidence":0.92192477,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2486475855112076},{"word":"you've","start":938.17505,"end":938.335,"confidence":0.9959521,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.2104153335094452},{"word":"had","start":938.335,"end":938.495,"confidence":0.99848574,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.1866066008806229},{"word":"a","start":938.495,"end":938.655,"confidence":0.8522017,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2124162316322327},{"word":"time","start":938.655,"end":939.135,"confidence":0.99952435,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.21354293823242188},{"word":"to","start":939.135,"end":939.455,"confidence":0.9445647,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2202264368534088},{"word":"have","start":939.455,"end":939.61505,"confidence":0.99966717,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2242904156446457},{"word":"a","start":939.61505,"end":939.775,"confidence":0.9976788,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22900553047657013},{"word":"read","start":939.775,"end":940.09503,"confidence":0.99910873,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.20409497618675232},{"word":"over","start":940.09503,"end":940.41504,"confidence":0.9992207,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.25280922651290894},{"word":"it","start":940.41504,"end":940.895,"confidence":0.76240957,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.2660163640975952},{"word":"if","start":940.895,"end":941.05505,"confidence":0.9937437,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.26475995779037476},{"word":"you","start":941.05505,"end":941.215,"confidence":0.9998567,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21751803159713745},{"word":"do","start":941.215,"end":941.455,"confidence":0.9998115,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20235860347747803},{"word":"read","start":941.455,"end":941.695,"confidence":0.9996717,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.14830654859542847},{"word":"over","start":941.695,"end":941.935,"confidence":0.9982765,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.20096975564956665},{"word":"it","start":941.935,"end":942.015,"confidence":0.6514352,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2781675457954407},{"word":"and","start":942.015,"end":942.17505,"confidence":0.98362666,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19159182906150815},{"word":"you","start":942.17505,"end":942.335,"confidence":0.9995974,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22028957307338717},{"word":"have","start":942.335,"end":942.495,"confidence":0.99874383,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1750074326992035},{"word":"a","start":942.495,"end":942.655,"confidence":0.9983822,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19149595499038696},{"word":"couple","start":942.655,"end":942.895,"confidence":0.9992478,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.20108014345169067},{"word":"of","start":942.895,"end":943.05505,"confidence":0.9987024,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20634347200393677},{"word":"more","start":943.05505,"end":943.375,"confidence":0.999156,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.13006769120693207},{"word":"questions","start":943.375,"end":943.875,"confidence":0.9968333,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.15699276328086853},{"word":"just","start":944.015,"end":944.255,"confidence":0.9950257,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15739554166793823},{"word":"give","start":944.255,"end":944.495,"confidence":0.99632394,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.12478652596473694},{"word":"me","start":944.495,"end":944.655,"confidence":0.990575,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.19635796546936035},{"word":"a","start":944.655,"end":944.73505,"confidence":0.8706231,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1604464054107666},{"word":"call","start":944.73505,"end":944.91,"confidence":0.6054409,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.13566574454307556},{"word":"or","start":944.91,"end":945.06995,"confidence":0.65577817,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.13308057188987732},{"word":"we","start":945.06995,"end":945.23,"confidence":0.9998555,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2045121192932129},{"word":"can","start":945.23,"end":945.38995,"confidence":0.9998149,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22355403006076813},{"word":"always","start":945.38995,"end":945.87,"confidence":0.9997217,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.1936228424310684},{"word":"go","start":945.87,"end":946.02997,"confidence":0.99959654,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.19445739686489105},{"word":"through","start":946.02997,"end":946.19,"confidence":0.9999087,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.22657033801078796},{"word":"it","start":946.19,"end":946.69,"confidence":0.99973893,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2003875970840454},{"word":"if","start":947.79,"end":948.02997,"confidence":0.7406834,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.2567642033100128},{"word":"you","start":948.02997,"end":948.11,"confidence":0.9997764,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2631152868270874},{"word":"go","start":948.11,"end":948.35,"confidence":0.99756193,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.24527058005332947},{"word":"through","start":948.35,"end":948.50995,"confidence":0.9980274,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.31622064113616943},{"word":"it","start":948.50995,"end":948.58997,"confidence":0.73063725,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.31359395384788513},{"word":"and","start":948.58997,"end":948.75,"confidence":0.98353267,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2795505225658417},{"word":"you","start":948.75,"end":948.82996,"confidence":0.99959475,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27401721477508545},{"word":"don't","start":948.82996,"end":949.06995,"confidence":0.9998621,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.25321778655052185},{"word":"have","start":949.06995,"end":949.31,"confidence":0.9997682,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24462665617465973},{"word":"any","start":949.31,"end":949.55,"confidence":0.9986803,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.20443910360336304},{"word":"questions","start":949.55,"end":950.05,"confidence":0.9992483,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.21714264154434204},{"word":"and","start":950.11,"end":950.35,"confidence":0.89405304,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2312488704919815},{"word":"you","start":950.35,"end":950.58997,"confidence":0.99990773,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3296686112880707},{"word":"are","start":950.58997,"end":950.82996,"confidence":0.99965,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3284081816673279},{"word":"happy","start":950.82996,"end":951.32996,"confidence":0.9998504,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.34571200609207153},{"word":"to","start":951.38995,"end":951.79,"confidence":0.9994648,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.44920483231544495},{"word":"to","start":951.79,"end":951.94995,"confidence":0.99709034,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3986179828643799},{"word":"go","start":951.94995,"end":952.19,"confidence":0.9999242,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.4580535292625427},{"word":"ahead","start":952.19,"end":952.69,"confidence":0.9962305,"punctuated_word":"ahead,","sentiment":"positive","sentiment_score":0.3931892216205597},{"word":"then","start":953.14996,"end":953.64996,"confidence":0.9990395,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.36239901185035706},{"word":"from","start":954.02997,"end":954.26996,"confidence":0.94941556,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.29682424664497375},{"word":"here","start":954.26996,"end":954.58997,"confidence":0.9964283,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.2210540622472763},{"word":"would","start":954.58997,"end":954.82996,"confidence":0.89822054,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2583652436733246},{"word":"be","start":954.82996,"end":955.06995,"confidence":0.9998908,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.24925477802753448},{"word":"for","start":955.06995,"end":955.31,"confidence":0.99711764,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.24216386675834656},{"word":"you","start":955.31,"end":955.70996,"confidence":0.99991477,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2632954716682434},{"word":"to","start":955.70996,"end":956.02997,"confidence":0.9978522,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2501051425933838},{"word":"just","start":956.02997,"end":956.43,"confidence":0.9792291,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.28102874755859375},{"word":"sign","start":956.43,"end":956.75,"confidence":0.9811576,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.15853486955165863},{"word":"the","start":956.75,"end":956.91,"confidence":0.9989498,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1999395936727524},{"word":"document","start":956.91,"end":957.41,"confidence":0.66905606,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.21072284877300265},{"word":"digitally","start":957.55,"end":958.05,"confidence":0.99425507,"punctuated_word":"digitally.","sentiment":"neutral","sentiment_score":0.2362734079360962},{"word":"i","start":958.67505,"end":958.755,"confidence":0.99994826,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22743937373161316},{"word":"will","start":958.755,"end":958.995,"confidence":0.99968183,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2180466651916504},{"word":"then","start":958.995,"end":959.315,"confidence":0.9997222,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.21302197873592377},{"word":"get","start":959.315,"end":959.715,"confidence":0.99972063,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2195560783147812},{"word":"notified","start":959.715,"end":960.215,"confidence":0.96786654,"punctuated_word":"notified,","sentiment":"neutral","sentiment_score":0.23096375167369845},{"word":"and","start":960.275,"end":960.515,"confidence":0.99970335,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21838164329528809},{"word":"then","start":960.515,"end":960.67505,"confidence":0.9999206,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.301302433013916},{"word":"i","start":960.67505,"end":960.835,"confidence":0.99987566,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2613537311553955},{"word":"can","start":960.835,"end":960.995,"confidence":0.9990491,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.28884032368659973},{"word":"let","start":960.995,"end":961.23505,"confidence":0.9996178,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.3384336233139038},{"word":"the","start":961.23505,"end":961.47504,"confidence":0.99481034,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3186984360218048},{"word":"team","start":961.47504,"end":961.875,"confidence":0.999731,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.28378984332084656},{"word":"know","start":961.875,"end":962.375,"confidence":0.9990723,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.3391503095626831},{"word":"to","start":962.515,"end":962.67505,"confidence":0.717869,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28361693024635315},{"word":"go","start":962.67505,"end":962.835,"confidence":0.9997265,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.34329861402511597},{"word":"ahead","start":962.835,"end":963.155,"confidence":0.99990237,"punctuated_word":"ahead","sentiment":"positive","sentiment_score":0.4053792357444763},{"word":"with","start":963.155,"end":963.315,"confidence":0.9990859,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.34391161799430847},{"word":"the","start":963.315,"end":963.47504,"confidence":0.882489,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3241032361984253},{"word":"change","start":963.47504,"end":963.875,"confidence":0.7742756,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":0.28318992257118225},{"word":"essentially","start":963.875,"end":964.375,"confidence":0.9994433,"punctuated_word":"essentially.","sentiment":"neutral","sentiment_score":0.190056711435318},{"word":"yeah","start":965.715,"end":966.215,"confidence":0.81639266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.30986058712005615},{"word":"that","start":967.075,"end":967.315,"confidence":0.819104,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.5070993304252625},{"word":"was","start":967.315,"end":967.635,"confidence":0.9621573,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.5555307865142822},{"word":"essentially","start":967.635,"end":968.135,"confidence":0.96882856,"punctuated_word":"essentially","sentiment":"positive","sentiment_score":0.5362210273742676},{"word":"everything","start":968.275,"end":968.755,"confidence":0.99955076,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.6056826710700989},{"word":"i","start":968.755,"end":968.91504,"confidence":0.9983827,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5823960900306702},{"word":"had","start":968.91504,"end":969.155,"confidence":0.99631196,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.6431608200073242},{"word":"to","start":969.155,"end":969.315,"confidence":0.9993893,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6068933606147766},{"word":"run","start":969.315,"end":969.55505,"confidence":0.9998129,"punctuated_word":"run","sentiment":"positive","sentiment_score":0.5265241861343384},{"word":"through","start":969.55505,"end":969.79504,"confidence":0.99986196,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.5842175483703613},{"word":"with","start":969.79504,"end":970.03503,"confidence":0.999238,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5447520613670349},{"word":"you","start":970.03503,"end":970.275,"confidence":0.99835134,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6572567820549011},{"word":"today","start":970.275,"end":970.67505,"confidence":0.84293044,"punctuated_word":"today.","sentiment":"positive","sentiment_score":0.545257031917572},{"word":"so","start":970.67505,"end":970.91504,"confidence":0.8953196,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.376951664686203},{"word":"pretty","start":970.91504,"end":971.23505,"confidence":0.88810706,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4356624186038971},{"word":"straightforward","start":971.23505,"end":971.73505,"confidence":0.76232076,"punctuated_word":"straightforward,","sentiment":"positive","sentiment_score":0.3430582284927368},{"word":"but","start":971.875,"end":972.11505,"confidence":0.9992918,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2427845597267151},{"word":"do","start":972.11505,"end":972.35504,"confidence":0.99865305,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13877496123313904},{"word":"you","start":972.35504,"end":972.515,"confidence":0.99983907,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2040024995803833},{"word":"have","start":972.515,"end":972.755,"confidence":0.99979895,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.118299201130867},{"word":"any","start":972.755,"end":973.255,"confidence":0.9995995,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1035102903842926},{"word":"questions","start":973.68,"end":974.0,"confidence":0.9981345,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.03940390050411224},{"word":"for","start":974.0,"end":974.4,"confidence":0.9895544,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.051626913249492645},{"word":"me","start":974.4,"end":974.64,"confidence":0.99994016,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.13086703419685364},{"word":"otherwise","start":974.64,"end":975.04,"confidence":0.78291476,"punctuated_word":"otherwise","sentiment":"neutral","sentiment_score":0.11968927830457687},{"word":"at","start":975.04,"end":975.28,"confidence":0.98899263,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11422143876552582},{"word":"this","start":975.28,"end":975.6,"confidence":0.9993855,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2038167417049408},{"word":"point","start":975.6,"end":976.1,"confidence":0.999375,"punctuated_word":"point?","sentiment":"neutral","sentiment_score":0.13623592257499695},{"word":"yep","start":977.76,"end":978.26,"confidence":0.8417604,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01309228129684925},{"word":"yes","start":978.88,"end":979.38,"confidence":0.9380423,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.20496684312820437},{"word":"that","start":980.0,"end":980.24,"confidence":0.49554765,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.36827781796455383},{"word":"is","start":980.24,"end":980.48,"confidence":0.9998869,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.381742388010025},{"word":"perfectly","start":980.48,"end":980.96,"confidence":0.99961805,"punctuated_word":"perfectly","sentiment":"positive","sentiment_score":0.3944759368896485},{"word":"fine","start":980.96,"end":981.28,"confidence":0.9998592,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.3868116438388825},{"word":"take","start":981.28,"end":981.52,"confidence":0.99978584,"punctuated_word":"Take","sentiment":"neutral","sentiment_score":0.3274613916873932},{"word":"your","start":981.52,"end":981.68,"confidence":0.998895,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.32469242811203003},{"word":"time","start":981.68,"end":982.0,"confidence":0.99995875,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.3767971992492676},{"word":"to","start":982.0,"end":982.16,"confidence":0.9997768,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.40497565269470215},{"word":"have","start":982.16,"end":982.32,"confidence":0.9999286,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3645351231098175},{"word":"a","start":982.32,"end":982.4,"confidence":0.99568814,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.33456459641456604},{"word":"read","start":982.4,"end":982.72003,"confidence":0.9938221,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.3048722445964813},{"word":"over","start":982.72003,"end":982.88,"confidence":0.99812037,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.38138332962989807},{"word":"it","start":982.88,"end":983.38,"confidence":0.9986861,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.28987807035446167},{"word":"like","start":983.52,"end":983.68,"confidence":0.78524375,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":0.2178240716457367},{"word":"i","start":983.68,"end":983.84,"confidence":0.9980861,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22371703386306763},{"word":"said","start":983.84,"end":984.0,"confidence":0.99958944,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.18155688047409055},{"word":"you","start":984.0,"end":984.16,"confidence":0.9996643,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.200432151556015},{"word":"can","start":984.16,"end":984.32,"confidence":0.9995586,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18541628122329712},{"word":"always","start":984.32,"end":984.64,"confidence":0.99993587,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.21983802318573},{"word":"give","start":984.64,"end":984.8,"confidence":0.99984205,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.18862435221672055},{"word":"me","start":984.8,"end":984.88,"confidence":0.9998896,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.24535790085792544},{"word":"a","start":984.88,"end":985.04,"confidence":0.9989489,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2289927899837494},{"word":"call","start":985.04,"end":985.28,"confidence":0.99962366,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.22325178980827332},{"word":"or","start":985.28,"end":985.44,"confidence":0.97126514,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.19477137923240664},{"word":"even","start":985.44,"end":985.76,"confidence":0.99851245,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.1995828747749329},{"word":"just","start":985.76,"end":986.0,"confidence":0.9912826,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2290492057800293},{"word":"send","start":986.0,"end":986.24,"confidence":0.9995277,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2191370278596878},{"word":"send","start":986.24,"end":986.48,"confidence":0.9967272,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2004315555095673},{"word":"us","start":986.48,"end":986.64,"confidence":0.99965096,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.2286562621593475},{"word":"an","start":986.64,"end":986.88,"confidence":0.99977964,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1964469254016876},{"word":"email","start":986.88,"end":987.2,"confidence":0.9999069,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.25462591648101807},{"word":"if","start":987.2,"end":987.36,"confidence":0.98306596,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2558622360229492},{"word":"there's","start":987.36,"end":987.6,"confidence":0.9996365,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.2227819859981537},{"word":"any","start":987.6,"end":987.84,"confidence":0.9997069,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2192482054233551},{"word":"questions","start":987.84,"end":988.34,"confidence":0.917737,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.16926977038383484},{"word":"and","start":989.165,"end":989.40497,"confidence":0.9829928,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.39753884077072144},{"word":"we","start":989.40497,"end":989.485,"confidence":0.9995951,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.450896680355072},{"word":"can","start":989.485,"end":989.725,"confidence":0.9998215,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.47853824496269226},{"word":"always","start":989.725,"end":990.225,"confidence":0.9997688,"punctuated_word":"always","sentiment":"positive","sentiment_score":0.4993897378444672},{"word":"go","start":990.285,"end":990.52496,"confidence":0.9232597,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.513653576374054},{"word":"through","start":990.52496,"end":990.76495,"confidence":0.9998411,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.6019157767295837},{"word":"anything","start":990.76495,"end":991.08496,"confidence":0.9997187,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.4724056124687195},{"word":"that","start":991.08496,"end":991.245,"confidence":0.999508,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.45291557908058167},{"word":"way","start":991.245,"end":991.485,"confidence":0.9998567,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.48893246054649353},{"word":"as","start":991.485,"end":991.64496,"confidence":0.9996513,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4573694765567779},{"word":"well","start":991.64496,"end":992.14496,"confidence":0.99962616,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.39712023735046387},{"word":"perfect","start":993.885,"end":994.365,"confidence":0.98519677,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6241492033004761},{"word":"well","start":994.365,"end":994.76495,"confidence":0.9980844,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.5917887687683105},{"word":"thank","start":994.76495,"end":994.925,"confidence":0.99961925,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.7301087975502014},{"word":"you","start":994.925,"end":995.165,"confidence":0.9998605,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7102310657501221},{"word":"so","start":995.165,"end":995.32495,"confidence":0.9996973,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7200561761856079},{"word":"much","start":995.32495,"end":995.485,"confidence":0.99997616,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.7477584481239319},{"word":"for","start":995.485,"end":995.64496,"confidence":0.9996202,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7506358027458191},{"word":"your","start":995.64496,"end":995.885,"confidence":0.9978806,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.76376873254776},{"word":"time","start":995.885,"end":996.125,"confidence":0.9999771,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.7892445921897888},{"word":"this","start":996.125,"end":996.365,"confidence":0.99981743,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.7876256108283997},{"word":"afternoon","start":996.365,"end":996.865,"confidence":0.98427004,"punctuated_word":"afternoon,","sentiment":"positive","sentiment_score":0.7380776405334473},{"word":"and","start":996.925,"end":997.425,"confidence":0.99979085,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6743500232696533},{"word":"i","start":997.485,"end":997.64496,"confidence":0.9998821,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.645284116268158},{"word":"will","start":997.64496,"end":997.805,"confidence":0.99992955,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.5533556938171387},{"word":"let","start":997.805,"end":998.045,"confidence":0.9998524,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.6250035166740417},{"word":"you","start":998.045,"end":998.20496,"confidence":0.99935263,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6065018177032471},{"word":"get","start":998.20496,"end":998.445,"confidence":0.9846236,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5697054862976074},{"word":"back","start":998.445,"end":998.685,"confidence":0.9999207,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.6050118803977966},{"word":"to","start":998.685,"end":998.76495,"confidence":0.99970657,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5299280881881714},{"word":"you","start":998.76495,"end":999.005,"confidence":0.64743197,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5789427757263184},{"word":"afternoon","start":999.005,"end":999.40497,"confidence":0.92869115,"punctuated_word":"afternoon.","sentiment":"neutral","sentiment_score":0.10602609813213348},{"word":"and","start":999.40497,"end":999.64496,"confidence":0.9993185,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1971689015626907},{"word":"like","start":999.64496,"end":999.885,"confidence":0.8561339,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.16853179037570953},{"word":"i","start":999.885,"end":999.96497,"confidence":0.9995453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1752423197031021},{"word":"said","start":999.96497,"end":1000.20496,"confidence":0.99866164,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.14952176809310913},{"word":"any","start":1000.20496,"end":1000.445,"confidence":0.99974984,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.20347271859645844},{"word":"questions","start":1000.445,"end":1000.925,"confidence":0.9788748,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.170777827501297},{"word":"don't","start":1000.925,"end":1001.165,"confidence":0.9998952,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.0786859393119812},{"word":"hesitate","start":1001.165,"end":1001.64496,"confidence":0.9987826,"punctuated_word":"hesitate","sentiment":"neutral","sentiment_score":0.1184481680393219},{"word":"to","start":1001.64496,"end":1001.805,"confidence":0.9997538,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15947265923023224},{"word":"give","start":1001.805,"end":1002.045,"confidence":0.9998652,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1490844190120697},{"word":"me","start":1002.045,"end":1002.20496,"confidence":0.99973315,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.13540847599506378},{"word":"a","start":1002.20496,"end":1002.285,"confidence":0.99807006,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14712324738502502},{"word":"call","start":1002.285,"end":1002.7169,"confidence":0.99691415,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.1544763594865799},{"word":"mhmm","start":1003.91693,"end":1004.41693,"confidence":0.9919597,"punctuated_word":"Mhmm.","sentiment":"positive","sentiment_score":0.5118630528450012},{"word":"no","start":1004.7169,"end":1005.1969,"confidence":0.76999086,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.23468926548957825},{"word":"no","start":1005.1969,"end":1005.5169,"confidence":0.9698127,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.21118465065956116},{"word":"problem","start":1005.5169,"end":1005.8369,"confidence":0.9903066,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.09204088151454926},{"word":"at","start":1005.8369,"end":1005.91693,"confidence":0.99869555,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.14450906217098236},{"word":"all","start":1005.91693,"end":1006.23694,"confidence":0.99956214,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.08321087807416916},{"word":"we'll","start":1006.23694,"end":1006.55695,"confidence":0.9886196,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.15283654630184174},{"word":"speak","start":1006.55695,"end":1006.79694,"confidence":0.9996006,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.22429391741752625},{"word":"soon","start":1006.79694,"end":1007.29694,"confidence":0.9989927,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":0.18090173602104187},{"word":"okay","start":1008.6369,"end":1009.0369,"confidence":0.92240226,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1726454496383667},{"word":"bye","start":1009.0369,"end":1009.5369,"confidence":0.85278773,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.11815814673900604}],"paragraphs":{"transcript":"\nGood afternoon, Pippa. This is Veronica from ICU Financial. How are you this afternoon? I'm good. Thanks.\n\nI just had you booked in for a pretty quick catch up, really, just to go through the recommendation after the reset after last catch up. Is now still a good time for you? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?\n\nPerfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address to me, please? Yep. Perfect. That's exactly what I have here.\n\nAnd how's your day been so far? Been busy? Oh, yeah. Oh, yeah. That's good.\n\nNow I won't keep you for too long, but I have just sent you an email with the SOA to go through quickly. Do you have access to your emails at the moment? Yep. Okay. Perfect.\n\nJust let me know. Yep. Yes. Can you hear me? You can hear me okay?\n\nYes. I can hear you. Can you hear me okay? Yeah. No.\n\nThat's okay. Just let me know if that one comes through. Sometimes it doesn't up in the spam folder. Great. Now if you can just click on the link for me, it will then allow you to open up the document.\n\nAnd yes. Please. Because it will let you view it first. And then you should see a cover page where it says statement of advice. Can you see that okay?\n\nYep. Perfect. So it is pretty straightforward. Today, from our last conversation, just kind of focusing on reviewing your super investments to see if we want to swap out some of those through other ones that's going to do a little bit better today. So it is pretty straightforward.\n\nIt is still quite a long document. A lot of it is for no. A lot of it is for compliance to make sure you understand everything because you kind of have gone through this a little bit already. I will kind of skip through some of it and just kind of touch on the most important, and then I'll let you have a read over it in your own time. But any questions, just let me know.\n\nPerfect. Now you will see, obviously, on the cover page that this has been tailored just to you. Now you will see my authorized representative number listed on the on the cover page there, and I am licensed under Oku Financial. Now on the second page, you will see the best interest you to outline, which obviously just says that we have to act in your best interest at all time. The advice itself has to put you in a better position as a result of the advice.\n\nOtherwise, we can't actually make the recommendation. Does that make sense? Yeah. Perfect. Now as you scroll through table of contents, pretty self explanatory, you will then see two pages or three pages actually just talking about both of the device.\n\nNow, essentially, that is just the areas we are focusing on today. So simply today, what we are looking at is your superannuation just to make sure we can make sure it grows as much as possible so that you can retire comfortably. Other things we're not considering, not making any changes to your insurances. You're quite happy with your IP policy and not really making any recommendations on debt or saving for travel. If it is something you do need assistance, leave down the track.\n\nAlways just let us know, and we can always consider it then. Yep. Perfect. Now as you scroll through, sorry, seven and eight, just some personal information about you. If you could just have a quick read over that for me just to make sure that's all up to date or if I need to make any changes in the back end.\n\nAll looks pretty good. Great. Which then takes us to page nine, which just shows you your current superannuation. So you have your super in net worth. You have approximately 264,359, and then you do have your Neos income protection listed under there as well.\n\nYep. Perfect. Now on the next two pages, I'll let you have a read over that in your own time. If you just highlight that risk profile, So do you remember last time kind of talking about, you know, fluctuations and, you know, how much risk you are comfortable taking in your superannuation? Do you remember that?\n\nYes. Perfect. Now you did come out as a high growth investor. You were quite comfortable with it, so not making any changes at all in regards through that. Just literally swapping and changing some of the investments for you.\n\nNow if you wanna scroll to page 12 for me, it's basically yep. So this basically outlines the recommendation. So I did do a lot of research on your Netwealth as well just to see if there were other options out there that was going to be quite competitive to Netwealth just to make sure we do have you in the best option. And Netwealth still very much is a very good option for you. That was another one I did consider.\n\nIt was slightly cheaper in administration fees, similar with investment choices. But because your investments have grown quite a lot, which is great, by making the switch through a new option, you would have to sell down all your investments, which will trigger a capital gains tax of 6,966. And the minimal changes in Admisie just wasn't worth you paying almost 7,000 in tax. Does that make sense? Yes.\n\nPerfect. Now this basically puts all of that in words for you. It will outline the advantages in regards to the recommendations. So keeping you in net worth by changing some of the investments. What those changes are, I'll go over with you shortly.\n\nYou will have some disadvantages and some risks associated as well. So one of the risk is that there's always a level of risk associated with any investment option. That all makes sense so far? Yes. Perfect.\n\nSo what I'll actually get you to do first, if you wanna scroll down to page 17 for me, it should say the comparison table. 17. And it's like a table with some numbers. Perfect. This often yeah, now this often makes it a bit easier to see, which is kind of all the words that I talked about earlier.\n\nBut, essentially, you can see here your current situation. So you can see your current net worth, what you are paying for in that fees. You can then also see your five year rolling average on your current portfolio. So what I have recommended, you can see on the other side, staying within net wealth, but changing some of those investments. And you can actually see that by swapping the investments even though we are keeping you in a high growth portfolio, it's saving you $1,185 a year in investment fees alone, which is pretty big.\n\nYes. Now at the top where it says the difference of the balance of 439, that is the approximate capital gains tax. So by switching some of the investments, there will be some tax within superannuation, and we've managed to get it down to about 439, which isn't that much given the investment fee changes alone that you will save. Yep. Now you can also see using the same five year rolling average period on the new recommended portfolio.\n\nYou can see that it has, you know, historically performed quite a bit better, which is great. Do you have any questions so far? Yes. Yes. Perfect.\n\nNow if you scroll down one more page to page 18, it kind of shows you this projected five and ten years so that you can see. Assuming, obviously, kind of contributions, insurances, and stuff stays the same, it will then show you, you know, that it does make quite a big difference by changing some of those investments around for you. And underneath that, you can also see the investment return. So you can see the twelve month, three, and five, outlined. So, again, the new recommended investments have performed better, which is correct.\n\nBut we do wanna look at changing those for you. Now, Pippa, if you can scroll back up for me to page 15. Yeah. Perfect. Now this outlines the changes in the investment.\n\nSo this one can look a bit messy. Essentially, the reds are the ones we are selling. So we are selling some of those investments. Now you can see that we are still even though it says minus 737 in gold, we are still keeping gold at 7%, just rebalancing it. So those are basically just a change in the value.\n\nWe are completely selling out of the iShares miscue, which is the one, two, three, four down. We are also completely selling out of that Benelon Australian equity. That was the one I kind of spoke a little bit about last time that recently has underperformed, so we do wanna swap that one out for you. And, again, Japan, we are keeping that in the portfolio because it's done pretty good, just rebalancing it again for you. So those are kind of the the changes, and then the bottom three is what we are then introducing instead.\n\nSo instead of the Benelon, we have changed it to the beta shares Australia 200 because we do still wanna give you the Australian equity exposure. So if we take away the Australian equity, we wanna make sure we replace it with another option to make sure that overall your portfolio is well diversified across the globe as well. So the BetaShares Australia, 200 at 25%, Basically, just invests in the 200 largest companies listed on the ASX. So in Australia and you'll have all the big companies like, you know, Commonwealth and BHP and Woolworths, for example. So it is kind of all those big companies there.\n\nAnd then instead of the whiskey world, so kind of a similar one, we have swapped this for the Vanguard all worlds. You may have heard of Vanguard. They are quite big before, but, essentially, that one is at 8%. But sorry. You basically invest in around the globe, but it's excluding The US because we already have that US exposure in the ISF S and P 540.\n\nSo we don't wanna obviously overdo one area as well. We wanna make sure it is well rounded. So so, overall, there's no big changes. There's just a couple of those investments that we have changed out simply to try and improve the returns and reduce the fees a little bit for you so that when you do retire, it'll put in a little bit better position. Yep.\n\nNow in the appendix, which is if you go back out later, I don't have to do it now, you will see a couple of attachments. So you'll have a appendix and some supporting documents. That is basically some research for you if you do wanna read up on it. And in the appendix, there are actually investment links to all of these investments. So if it is that you want to go and have a read over this in a bit more detail as well, you're more than welcome to do so.\n\nYep. Perfect. Now on the next page, you will then see the asset allocation table. You're gonna have a little pie chart as well. Can you see that?\n\nYep. Perfect. So you can see here the the second column where it says the risk profile is that ninety ten split, 90 growth, 10 defensive. You have the existing portfolio and then the proposed. And you can see that both existing and the proposed are quite similar in regards through that risk allocation for you.\n\nAny questions so far? No. Yeah. Mhmm. Perfect.\n\nWhich almost takes us through the end, actually. And if you then wanna scroll through page 21 for me, I just wanna highlight the remuneration for you once more just to be sure. Yes. So, obviously, if you are happy to go ahead with this change when you've had a time to have a read over it, there is no additional fees or charges at all to make the change. It is simply just that usual 1.65 ongoing device fee.\n\nIt's all part of the service. Obviously, all the research and everything is all part of that. So if it is that you do wanna go ahead, no additional fees or charges at all. Yep. Now we have this listed underneath that as well, the insurances.\n\nSo we do get commissions from the insurer, which is 23% of the premium ongoing, but that is me of paying us. It is not you paying us But for compliance purposes and to make sure that you are fully informed of everything, we do have to disclose it so you are aware. But, again, it is not you paying that amount. It is the insurer paying us. Any questions?\n\nNo. Yeah. Perfect. Which essentially just summarizes everything at the end. So it talks about authority to proceed.\n\nThat is if you are happy to go ahead. Basically, we are keeping your net wealth and not making any changes there. Literally just swapping some of those investments for you. And by going ahead when you've had a time to have a read over it, if you do read over it and you have a couple of more questions, just give me a call or we can always go through it. If you go through it and you don't have any questions and you are happy to to go ahead, then from here would be for you to just sign the document digitally.\n\nI will then get notified, and then I can let the team know to go ahead with the change, essentially. Yeah. That was essentially everything I had to run through with you today. So pretty straightforward, but do you have any questions for me otherwise at this point? Yep.\n\nYes. That is perfectly fine. Take your time to have a read over it. Like I said, you can always give me a call or even just send send us an email if there's any questions, and we can always go through anything that way as well. Perfect.\n\nWell, thank you so much for your time this afternoon, and I will let you get back to you afternoon. And like I said, any questions, don't hesitate to give me a call. Mhmm. No no problem at all. We'll speak soon.\n\nOkay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Pippa.","start":2.8799999,"end":4.0,"sentiment":"positive","sentiment_score":0.44803446531295776},{"text":"This is Veronica from ICU Financial.","start":4.0,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.323203648130099},{"text":"How are you this afternoon?","start":6.48,"end":7.7,"sentiment":"neutral","sentiment_score":0.3262676000595093},{"text":"I'm good.","start":9.679999,"end":10.5,"sentiment":"positive","sentiment_score":0.5479080975055695},{"text":"Thanks.","start":10.559999,"end":11.059999,"sentiment":"positive","sentiment_score":0.641715407371521}],"sentiment":"positive","sentiment_score":0.3913055816117455,"num_words":17,"start":2.8799999,"end":11.059999},{"sentences":[{"text":"I just had you booked in for a pretty quick catch up, really, just to go through the recommendation after the reset after last catch up.","start":12.305,"end":20.645,"sentiment":"neutral","sentiment_score":0.3199348237652045},{"text":"Is now still a good time for you?","start":21.185001,"end":23.205,"sentiment":"neutral","sentiment_score":0.322053998708725},{"text":"Yeah.","start":23.744999,"end":24.24,"sentiment":"neutral","sentiment_score":0.1801582872867584},{"text":"Perfect.","start":25.279999,"end":25.779999,"sentiment":"neutral","sentiment_score":0.32770979404449463},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?","start":26.08,"end":33.54,"sentiment":"neutral","sentiment_score":0.07435708081927793}],"sentiment":"neutral","sentiment_score":0.20859939742546815,"num_words":65,"start":12.305,"end":33.54},{"sentences":[{"text":"Perfect.","start":34.96,"end":35.46,"sentiment":"neutral","sentiment_score":0.18548913300037384},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address to me, please?","start":35.6,"end":43.455,"sentiment":"neutral","sentiment_score":0.08185968762980057},{"text":"Yep.","start":50.57,"end":51.07,"sentiment":"neutral","sentiment_score":0.14808793365955353},{"text":"Perfect.","start":51.13,"end":51.530003,"sentiment":"positive","sentiment_score":0.379685640335083},{"text":"That's exactly what I have here.","start":51.530003,"end":53.23,"sentiment":"positive","sentiment_score":0.47447510560353595}],"sentiment":"neutral","sentiment_score":0.1625275776854583,"num_words":35,"start":34.96,"end":53.23},{"sentences":[{"text":"And how's your day been so far?","start":53.29,"end":55.13,"sentiment":"neutral","sentiment_score":0.12754170383725846},{"text":"Been busy?","start":55.13,"end":55.870003,"sentiment":"neutral","sentiment_score":0.012495524249970913},{"text":"Oh, yeah.","start":59.53,"end":60.27,"sentiment":"neutral","sentiment_score":0.08126590773463249},{"text":"Oh, yeah.","start":61.21,"end":61.93,"sentiment":"neutral","sentiment_score":0.15278974920511246},{"text":"That's good.","start":61.93,"end":62.954998,"sentiment":"positive","sentiment_score":0.3757604956626892}],"sentiment":"neutral","sentiment_score":0.14249435203770797,"num_words":15,"start":53.29,"end":62.954998},{"sentences":[{"text":"Now I won't keep you for too long, but I have just sent you an email with the SOA to go through quickly.","start":63.414997,"end":71.595,"sentiment":"neutral","sentiment_score":0.11510252531455911},{"text":"Do you have access to your emails at the moment?","start":72.055,"end":74.314995,"sentiment":"neutral","sentiment_score":0.024218132346868516},{"text":"Yep.","start":77.29,"end":77.770004,"sentiment":"neutral","sentiment_score":0.053617559373378754},{"text":"Okay.","start":77.770004,"end":78.090004,"sentiment":"neutral","sentiment_score":0.10257193446159364},{"text":"Perfect.","start":78.090004,"end":78.590004,"sentiment":"neutral","sentiment_score":0.16170287132263184}],"sentiment":"neutral","sentiment_score":0.08909532696836525,"num_words":36,"start":63.414997,"end":78.590004},{"sentences":[{"text":"Just let me know.","start":78.65,"end":79.79,"sentiment":"neutral","sentiment_score":0.04247246403247118},{"text":"Yep.","start":80.33,"end":80.83,"sentiment":"neutral","sentiment_score":0.017034117132425308},{"text":"Yes.","start":82.89,"end":83.29,"sentiment":"neutral","sentiment_score":0.005750017240643501},{"text":"Can you hear me?","start":83.29,"end":84.270004,"sentiment":"neutral","sentiment_score":-0.013158083893358707},{"text":"You can hear me okay?","start":91.865005,"end":93.165,"sentiment":"neutral","sentiment_score":-0.021571086160838603}],"sentiment":"neutral","sentiment_score":0.002145748275021712,"num_words":15,"start":78.65,"end":93.165},{"sentences":[{"text":"Yes.","start":110.12,"end":110.44,"sentiment":"neutral","sentiment_score":-0.0039415135979652405},{"text":"I can hear you.","start":110.44,"end":111.08,"sentiment":"neutral","sentiment_score":-0.017608536407351494},{"text":"Can you hear me okay?","start":111.08,"end":112.22,"sentiment":"neutral","sentiment_score":-0.01063018161803484},{"text":"Yeah.","start":117.985,"end":118.305,"sentiment":"neutral","sentiment_score":-0.03416008502244949},{"text":"No.","start":118.305,"end":118.545,"sentiment":"neutral","sentiment_score":-0.06626687943935394}],"sentiment":"neutral","sentiment_score":-0.01899612764827907,"num_words":12,"start":110.12,"end":118.545},{"sentences":[{"text":"That's okay.","start":118.545,"end":119.445,"sentiment":"neutral","sentiment_score":-0.03354943357408047},{"text":"Just let me know if that one comes through.","start":120.465,"end":122.385,"sentiment":"neutral","sentiment_score":-0.021997986154423818},{"text":"Sometimes it doesn't up in the spam folder.","start":122.385,"end":124.485,"sentiment":"neutral","sentiment_score":-0.08529351837933064},{"text":"Great.","start":125.78999,"end":126.28999,"sentiment":"neutral","sentiment_score":0.1932077407836914},{"text":"Now if you can just click on the link for me, it will then allow you to open up the document.","start":126.509995,"end":133.65,"sentiment":"neutral","sentiment_score":0.120242188728991}],"sentiment":"neutral","sentiment_score":0.04319182474438737,"num_words":41,"start":118.545,"end":133.65},{"sentences":[{"text":"And yes.","start":134.34999,"end":135.79,"sentiment":"neutral","sentiment_score":0.05803327076137066},{"text":"Please.","start":135.79,"end":136.11,"sentiment":"neutral","sentiment_score":0.08864641189575195},{"text":"Because it will let you view it first.","start":136.11,"end":138.84999,"sentiment":"neutral","sentiment_score":0.08626463357359171},{"text":"And then you should see a cover page where it says statement of advice.","start":141.065,"end":146.02501,"sentiment":"neutral","sentiment_score":0.04643896887344973},{"text":"Can you see that okay?","start":146.02501,"end":147.245,"sentiment":"neutral","sentiment_score":0.04036252573132515}],"sentiment":"neutral","sentiment_score":0.0582262738297383,"num_words":30,"start":134.34999,"end":147.245},{"sentences":[{"text":"Yep.","start":148.425,"end":148.925,"sentiment":"neutral","sentiment_score":0.30831509828567505},{"text":"Perfect.","start":149.065,"end":149.565,"sentiment":"positive","sentiment_score":0.7324734926223755},{"text":"So it is pretty straightforward.","start":150.505,"end":152.205,"sentiment":"positive","sentiment_score":0.6024972796440125},{"text":"Today, from our last conversation, just kind of focusing on reviewing your super investments to see if we want to swap out some of those through other ones that's going to do a little bit better today.","start":152.585,"end":164.54999,"sentiment":"neutral","sentiment_score":0.18300355588262146},{"text":"So it is pretty straightforward.","start":164.54999,"end":165.93,"sentiment":"positive","sentiment_score":0.3423746645450592}],"sentiment":"neutral","sentiment_score":0.25584244652062044,"num_words":49,"start":148.425,"end":165.93},{"sentences":[{"text":"It is still quite a long document.","start":166.815,"end":168.595,"sentiment":"neutral","sentiment_score":-0.032724211258547645},{"text":"A lot of it is for no.","start":168.65501,"end":171.695,"sentiment":"neutral","sentiment_score":-0.05617179349064827},{"text":"A lot of it is for compliance to make sure you understand everything because you kind of have gone through this a little bit already.","start":171.695,"end":178.335,"sentiment":"neutral","sentiment_score":-0.051425385475158694},{"text":"I will kind of skip through some of it and just kind of touch on the most important, and then I'll let you have a read over it in your own time.","start":178.335,"end":185.45001,"sentiment":"neutral","sentiment_score":0.04232979071093723},{"text":"But any questions, just let me know.","start":185.45001,"end":187.63,"sentiment":"neutral","sentiment_score":0.045357235840388706}],"sentiment":"neutral","sentiment_score":-0.0030237527755208504,"num_words":78,"start":166.815,"end":187.63},{"sentences":[{"text":"Perfect.","start":188.81,"end":189.31,"sentiment":"positive","sentiment_score":0.4735594689846039},{"text":"Now you will see, obviously, on the cover page that this has been tailored just to you.","start":189.85,"end":194.50499,"sentiment":"neutral","sentiment_score":0.20211172454497395},{"text":"Now you will see my authorized representative number listed on the on the cover page there, and I am licensed under Oku Financial.","start":194.805,"end":201.78499,"sentiment":"neutral","sentiment_score":0.09412094043648761},{"text":"Now on the second page, you will see the best interest you to outline, which obviously just says that we have to act in your best interest at all time.","start":203.045,"end":213.20999,"sentiment":"neutral","sentiment_score":0.11412839914361636},{"text":"The advice itself has to put you in a better position as a result of the advice.","start":213.34999,"end":218.40999,"sentiment":"neutral","sentiment_score":0.03518394161673153}],"sentiment":"neutral","sentiment_score":0.11472976588728753,"num_words":88,"start":188.81,"end":218.40999},{"sentences":[{"text":"Otherwise, we can't actually make the recommendation.","start":218.62999,"end":220.81,"sentiment":"neutral","sentiment_score":-0.13926683898483003},{"text":"Does that make sense?","start":221.505,"end":222.485,"sentiment":"neutral","sentiment_score":-0.0013049058616161346},{"text":"Yeah.","start":223.265,"end":223.765,"sentiment":"neutral","sentiment_score":0.2048850953578949},{"text":"Perfect.","start":224.065,"end":224.565,"sentiment":"positive","sentiment_score":0.35101866722106934},{"text":"Now as you scroll through table of contents, pretty self explanatory, you will then see two pages or three pages actually just talking about both of the device.","start":224.705,"end":234.965,"sentiment":"neutral","sentiment_score":0.11153425595590047}],"sentiment":"neutral","sentiment_score":0.06582379104887567,"num_words":41,"start":218.62999,"end":234.965},{"sentences":[{"text":"Now, essentially, that is just the areas we are focusing on today.","start":235.98001,"end":240.0,"sentiment":"neutral","sentiment_score":0.05814949950824181},{"text":"So simply today, what we are looking at is your superannuation just to make sure we can make sure it grows as much as possible so that you can retire comfortably.","start":240.14,"end":249.52,"sentiment":"neutral","sentiment_score":0.15343052485296804},{"text":"Other things we're not considering, not making any changes to your insurances.","start":251.075,"end":255.495,"sentiment":"neutral","sentiment_score":-0.1047076117247343},{"text":"You're quite happy with your IP policy and not really making any recommendations on debt or saving for travel.","start":255.635,"end":263.235,"sentiment":"neutral","sentiment_score":-0.05602823472336719},{"text":"If it is something you do need assistance, leave down the track.","start":263.235,"end":266.07,"sentiment":"neutral","sentiment_score":0.00810510036535561}],"sentiment":"neutral","sentiment_score":0.037562484517260346,"num_words":86,"start":235.98001,"end":266.07},{"sentences":[{"text":"Always just let us know, and we can always consider it then.","start":266.15,"end":268.73,"sentiment":"neutral","sentiment_score":0.11452669774492581},{"text":"Yep.","start":269.75,"end":270.25,"sentiment":"neutral","sentiment_score":0.06177174299955368},{"text":"Perfect.","start":270.31,"end":270.81,"sentiment":"positive","sentiment_score":0.572335958480835},{"text":"Now as you scroll through, sorry, seven and eight, just some personal information about you.","start":271.91,"end":280.23,"sentiment":"neutral","sentiment_score":0.08117141028245291},{"text":"If you could just have a quick read over that for me just to make sure that's all up to date or if I need to make any changes in the back end.","start":280.23,"end":287.18503,"sentiment":"neutral","sentiment_score":0.07109829839883429}],"sentiment":"neutral","sentiment_score":0.08987488831964231,"num_words":62,"start":266.15,"end":287.18503},{"sentences":[{"text":"All looks pretty good.","start":290.845,"end":291.98502,"sentiment":"positive","sentiment_score":0.6650395393371582},{"text":"Great.","start":293.725,"end":294.225,"sentiment":"positive","sentiment_score":0.6628751158714294},{"text":"Which then takes us to page nine, which just shows you your current superannuation.","start":295.22,"end":299.64,"sentiment":"neutral","sentiment_score":0.18110345197575434},{"text":"So you have your super in net worth.","start":300.66,"end":302.84,"sentiment":"neutral","sentiment_score":0.08528211573138833},{"text":"You have approximately 264,359, and then you do have your Neos income protection listed under there as well.","start":302.98,"end":312.165,"sentiment":"neutral","sentiment_score":0.09905426907870504}],"sentiment":"neutral","sentiment_score":0.1849714526699649,"num_words":45,"start":290.845,"end":312.165},{"sentences":[{"text":"Yep.","start":313.105,"end":313.605,"sentiment":"neutral","sentiment_score":0.13214632868766785},{"text":"Perfect.","start":313.825,"end":314.325,"sentiment":"neutral","sentiment_score":0.3022907078266144},{"text":"Now on the next two pages, I'll let you have a read over that in your own time.","start":314.865,"end":320.065,"sentiment":"neutral","sentiment_score":0.08307474955088562},{"text":"If you just highlight that risk profile, So do you remember last time kind of talking about, you know, fluctuations and, you know, how much risk you are comfortable taking in your superannuation?","start":320.065,"end":330.47,"sentiment":"neutral","sentiment_score":0.01506362296640873},{"text":"Do you remember that?","start":331.40997,"end":332.55,"sentiment":"neutral","sentiment_score":0.0076033142395317554}],"sentiment":"neutral","sentiment_score":0.04311044461894454,"num_words":57,"start":313.105,"end":332.55},{"sentences":[{"text":"Yes.","start":333.49,"end":333.81,"sentiment":"neutral","sentiment_score":0.13807527720928192},{"text":"Perfect.","start":333.81,"end":334.31,"sentiment":"positive","sentiment_score":0.39261364936828613},{"text":"Now you did come out as a high growth investor.","start":334.61,"end":336.735,"sentiment":"neutral","sentiment_score":0.28840231597423555},{"text":"You were quite comfortable with it, so not making any changes at all in regards through that.","start":336.735,"end":342.01498,"sentiment":"neutral","sentiment_score":0.1814550494446474},{"text":"Just literally swapping and changing some of the investments for you.","start":342.01498,"end":345.715,"sentiment":"neutral","sentiment_score":0.15425225719809532}],"sentiment":"neutral","sentiment_score":0.20490556890144945,"num_words":40,"start":333.49,"end":345.715},{"sentences":[{"text":"Now if you wanna scroll to page 12 for me, it's basically yep.","start":348.25497,"end":354.79,"sentiment":"neutral","sentiment_score":0.060832478965704255},{"text":"So this basically outlines the recommendation.","start":354.79,"end":357.13,"sentiment":"neutral","sentiment_score":0.08854717140396436},{"text":"So I did do a lot of research on your Netwealth as well just to see if there were other options out there that was going to be quite competitive to Netwealth just to make sure we do have you in the best option.","start":357.59,"end":370.135,"sentiment":"neutral","sentiment_score":0.1579251464625651},{"text":"And Netwealth still very much is a very good option for you.","start":370.915,"end":374.755,"sentiment":"positive","sentiment_score":0.498646321396033},{"text":"That was another one I did consider.","start":374.755,"end":377.015,"sentiment":"neutral","sentiment_score":0.2704941715512957}],"sentiment":"neutral","sentiment_score":0.19692715557246673,"num_words":82,"start":348.25497,"end":377.015},{"sentences":[{"text":"It was slightly cheaper in administration fees, similar with investment choices.","start":377.715,"end":383.50998,"sentiment":"neutral","sentiment_score":0.2579489048909057},{"text":"But because your investments have grown quite a lot, which is great, by making the switch through a new option, you would have to sell down all your investments, which will trigger a capital gains tax of 6,966.","start":384.05,"end":400.505,"sentiment":"neutral","sentiment_score":-0.016840680992524875},{"text":"And the minimal changes in Admisie just wasn't worth you paying almost 7,000 in tax.","start":400.505,"end":405.32498,"sentiment":"neutral","sentiment_score":-0.2798184146483739},{"text":"Does that make sense?","start":406.345,"end":407.485,"sentiment":"neutral","sentiment_score":0.004012059420347214},{"text":"Yes.","start":408.345,"end":408.845,"sentiment":"neutral","sentiment_score":0.21894213557243347}],"sentiment":"neutral","sentiment_score":-0.025576721309967663,"num_words":69,"start":377.715,"end":408.845},{"sentences":[{"text":"Perfect.","start":408.905,"end":409.405,"sentiment":"positive","sentiment_score":0.5954903960227966},{"text":"Now this basically puts all of that in words for you.","start":409.865,"end":413.63,"sentiment":"neutral","sentiment_score":0.328782471743497},{"text":"It will outline the advantages in regards to the recommendations.","start":413.63,"end":416.93,"sentiment":"positive","sentiment_score":0.4066374272108078},{"text":"So keeping you in net worth by changing some of the investments.","start":417.15,"end":420.85,"sentiment":"neutral","sentiment_score":0.23244755528867245},{"text":"What those changes are, I'll go over with you shortly.","start":421.31,"end":424.45,"sentiment":"neutral","sentiment_score":0.0836474820971489}],"sentiment":"neutral","sentiment_score":0.27055266685783863,"num_words":44,"start":408.905,"end":424.45},{"sentences":[{"text":"You will have some disadvantages and some risks associated as well.","start":424.99002,"end":430.115,"sentiment":"neutral","sentiment_score":-0.18516594036058945},{"text":"So one of the risk is that there's always a level of risk associated with any investment option.","start":430.115,"end":435.335,"sentiment":"neutral","sentiment_score":-0.1632428645259804},{"text":"That all makes sense so far?","start":437.475,"end":438.935,"sentiment":"neutral","sentiment_score":-0.009796465747058392},{"text":"Yes.","start":439.475,"end":439.975,"sentiment":"neutral","sentiment_score":0.08334610611200333},{"text":"Perfect.","start":440.34,"end":440.84,"sentiment":"neutral","sentiment_score":0.29160618782043457}],"sentiment":"neutral","sentiment_score":-0.12591955151308226,"num_words":37,"start":424.99002,"end":440.84},{"sentences":[{"text":"So what I'll actually get you to do first, if you wanna scroll down to page 17 for me, it should say the comparison table.","start":441.06,"end":450.28,"sentiment":"neutral","sentiment_score":0.10495449975132942},{"text":"17.","start":459.07498,"end":459.57498,"sentiment":"neutral","sentiment_score":0.04262880235910416},{"text":"And it's like a table with some numbers.","start":460.275,"end":462.615,"sentiment":"neutral","sentiment_score":0.052373969461768866},{"text":"Perfect.","start":464.035,"end":464.535,"sentiment":"neutral","sentiment_score":0.2501683533191681},{"text":"This often yeah, now this often makes it a bit easier to see, which is kind of all the words that I talked about earlier.","start":464.675,"end":471.56,"sentiment":"neutral","sentiment_score":0.1782384470105171}],"sentiment":"neutral","sentiment_score":0.12986020967364312,"num_words":60,"start":441.06,"end":471.56},{"sentences":[{"text":"But, essentially, you can see here your current situation.","start":471.78,"end":475.0,"sentiment":"neutral","sentiment_score":0.13879084669881397},{"text":"So you can see your current net worth, what you are paying for in that fees.","start":475.22,"end":479.64,"sentiment":"neutral","sentiment_score":0.17090793000534177},{"text":"You can then also see your five year rolling average on your current portfolio.","start":480.135,"end":485.835,"sentiment":"neutral","sentiment_score":0.15700253524950572},{"text":"So what I have recommended, you can see on the other side, staying within net wealth, but changing some of those investments.","start":486.695,"end":493.595,"sentiment":"neutral","sentiment_score":0.24953635849735953},{"text":"And you can actually see that by swapping the investments even though we are keeping you in a high growth portfolio, it's saving you $1,185 a year in investment fees alone, which is pretty big.","start":494.65,"end":508.925,"sentiment":"positive","sentiment_score":0.40268648522240774}],"sentiment":"neutral","sentiment_score":0.2683906964957714,"num_words":96,"start":471.78,"end":508.925},{"sentences":[{"text":"Yes.","start":510.26498,"end":510.76498,"sentiment":"neutral","sentiment_score":0.10638250410556792},{"text":"Now at the top where it says the difference of the balance of 439, that is the approximate capital gains tax.","start":511.78497,"end":520.605,"sentiment":"neutral","sentiment_score":0.02421753862429233},{"text":"So by switching some of the investments, there will be some tax within superannuation, and we've managed to get it down to about 439, which isn't that much given the investment fee changes alone that you will save.","start":521.0,"end":536.655,"sentiment":"neutral","sentiment_score":0.08442618374369647},{"text":"Yep.","start":537.85504,"end":538.35504,"sentiment":"neutral","sentiment_score":0.20013010501861572},{"text":"Now you can also see using the same five year rolling average period on the new recommended portfolio.","start":538.97504,"end":545.23505,"sentiment":"neutral","sentiment_score":0.28453514476617175}],"sentiment":"neutral","sentiment_score":0.11575833554792253,"num_words":79,"start":510.26498,"end":545.23505},{"sentences":[{"text":"You can see that it has, you know, historically performed quite a bit better, which is great.","start":545.85504,"end":551.23505,"sentiment":"positive","sentiment_score":0.5871909909388598},{"text":"Do you have any questions so far?","start":553.2,"end":555.14,"sentiment":"neutral","sentiment_score":0.23517124780586787},{"text":"Yes.","start":559.60004,"end":560.10004,"sentiment":"neutral","sentiment_score":0.0804668664932251},{"text":"Yes.","start":560.96,"end":561.46,"sentiment":"neutral","sentiment_score":0.22770054638385773},{"text":"Perfect.","start":562.0,"end":562.48004,"sentiment":"positive","sentiment_score":0.499009370803833}],"sentiment":"positive","sentiment_score":0.46057860608454104,"num_words":27,"start":545.85504,"end":562.48004},{"sentences":[{"text":"Now if you scroll down one more page to page 18, it kind of shows you this projected five and ten years so that you can see.","start":562.48004,"end":571.765,"sentiment":"neutral","sentiment_score":0.22343930160557782},{"text":"Assuming, obviously, kind of contributions, insurances, and stuff stays the same, it will then show you, you know, that it does make quite a big difference by changing some of those investments around for you.","start":572.54504,"end":584.93,"sentiment":"neutral","sentiment_score":0.2893006037388529},{"text":"And underneath that, you can also see the investment return.","start":586.02997,"end":589.94995,"sentiment":"neutral","sentiment_score":0.06996833179146052},{"text":"So you can see the twelve month, three, and five, outlined.","start":589.94995,"end":594.50995,"sentiment":"neutral","sentiment_score":0.07044866206971082},{"text":"So, again, the new recommended investments have performed better, which is correct.","start":594.50995,"end":600.655,"sentiment":"neutral","sentiment_score":0.14584296134610972}],"sentiment":"neutral","sentiment_score":0.20403280432679152,"num_words":95,"start":562.48004,"end":600.655},{"sentences":[{"text":"But we do wanna look at changing those for you.","start":600.655,"end":603.635,"sentiment":"neutral","sentiment_score":0.060210733115673064},{"text":"Now, Pippa, if you can scroll back up for me to page 15.","start":604.895,"end":609.555,"sentiment":"neutral","sentiment_score":0.03118050700196853},{"text":"Yeah.","start":612.45,"end":612.76996,"sentiment":"neutral","sentiment_score":0.11359388381242752},{"text":"Perfect.","start":612.76996,"end":613.25,"sentiment":"neutral","sentiment_score":0.2303173691034317},{"text":"Now this outlines the changes in the investment.","start":613.25,"end":616.05,"sentiment":"neutral","sentiment_score":0.02371742995455861}],"sentiment":"neutral","sentiment_score":0.04670013984044393,"num_words":33,"start":600.655,"end":616.05},{"sentences":[{"text":"So this one can look a bit messy.","start":616.05,"end":618.39,"sentiment":"neutral","sentiment_score":-0.12270895764231682},{"text":"Essentially, the reds are the ones we are selling.","start":619.97,"end":623.02997,"sentiment":"neutral","sentiment_score":-0.1404222705298},{"text":"So we are selling some of those investments.","start":624.795,"end":627.375,"sentiment":"neutral","sentiment_score":-0.08992719789966941},{"text":"Now you can see that we are still even though it says minus 737 in gold, we are still keeping gold at 7%, just rebalancing it.","start":627.435,"end":638.06,"sentiment":"neutral","sentiment_score":-0.08720660195327722},{"text":"So those are basically just a change in the value.","start":638.06,"end":641.04,"sentiment":"neutral","sentiment_score":-0.12122843265533448}],"sentiment":"neutral","sentiment_score":-0.10564828944987938,"num_words":61,"start":616.05,"end":641.04},{"sentences":[{"text":"We are completely selling out of the iShares miscue, which is the one, two, three, four down.","start":643.01996,"end":650.48,"sentiment":"neutral","sentiment_score":-0.16772832721471786},{"text":"We are also completely selling out of that Benelon Australian equity.","start":651.905,"end":655.825,"sentiment":"neutral","sentiment_score":0.078048139302568},{"text":"That was the one I kind of spoke a little bit about last time that recently has underperformed, so we do wanna swap that one out for you.","start":655.825,"end":663.445,"sentiment":"neutral","sentiment_score":0.12067702465823718},{"text":"And, again, Japan, we are keeping that in the portfolio because it's done pretty good, just rebalancing it again for you.","start":664.51,"end":671.49,"sentiment":"positive","sentiment_score":0.4756773468993959},{"text":"So those are kind of the the changes, and then the bottom three is what we are then introducing instead.","start":671.79,"end":678.29,"sentiment":"neutral","sentiment_score":0.11332912873476744}],"sentiment":"neutral","sentiment_score":0.14063826308960153,"num_words":97,"start":643.01996,"end":678.29},{"sentences":[{"text":"So instead of the Benelon, we have changed it to the beta shares Australia 200 because we do still wanna give you the Australian equity exposure.","start":679.15,"end":690.665,"sentiment":"neutral","sentiment_score":0.09085063450038433},{"text":"So if we take away the Australian equity, we wanna make sure we replace it with another option to make sure that overall your portfolio is well diversified across the globe as well.","start":690.725,"end":702.41,"sentiment":"neutral","sentiment_score":0.12772903501084357},{"text":"So the BetaShares Australia, 200 at 25%, Basically, just invests in the 200 largest companies listed on the ASX.","start":702.87,"end":712.71497,"sentiment":"neutral","sentiment_score":0.07315285209762423},{"text":"So in Australia and you'll have all the big companies like, you know, Commonwealth and BHP and Woolworths, for example.","start":712.71497,"end":719.77496,"sentiment":"neutral","sentiment_score":0.06120721772313118},{"text":"So it is kind of all those big companies there.","start":719.83496,"end":722.89496,"sentiment":"neutral","sentiment_score":0.05332894586026669}],"sentiment":"neutral","sentiment_score":0.09004178384525909,"num_words":108,"start":679.15,"end":722.89496},{"sentences":[{"text":"And then instead of the whiskey world, so kind of a similar one, we have swapped this for the Vanguard all worlds.","start":723.64,"end":730.92,"sentiment":"neutral","sentiment_score":0.05741937035186724},{"text":"You may have heard of Vanguard.","start":730.92,"end":732.3,"sentiment":"neutral","sentiment_score":0.045667833959062896},{"text":"They are quite big before, but, essentially, that one is at 8%.","start":732.36,"end":738.22,"sentiment":"neutral","sentiment_score":0.05055976224442323},{"text":"But sorry.","start":739.36505,"end":740.085,"sentiment":"neutral","sentiment_score":0.02226023469120264},{"text":"You basically invest in around the globe, but it's excluding The US because we already have that US exposure in the ISF S and P 540.","start":740.085,"end":751.04504,"sentiment":"neutral","sentiment_score":0.0366231886526713}],"sentiment":"neutral","sentiment_score":0.046186377540888154,"num_words":68,"start":723.64,"end":751.04504},{"sentences":[{"text":"So we don't wanna obviously overdo one area as well.","start":751.04504,"end":753.76,"sentiment":"neutral","sentiment_score":0.05783561456482857},{"text":"We wanna make sure it is well rounded.","start":753.76,"end":755.7,"sentiment":"neutral","sentiment_score":0.32136745750904083},{"text":"So so, overall, there's no big changes.","start":755.84,"end":759.60004,"sentiment":"neutral","sentiment_score":0.2527632308857782},{"text":"There's just a couple of those investments that we have changed out simply to try and improve the returns and reduce the fees a little bit for you so that when you do retire, it'll put in a little bit better position.","start":759.60004,"end":770.85504,"sentiment":"positive","sentiment_score":0.37468933278606054},{"text":"Yep.","start":771.875,"end":772.375,"sentiment":"neutral","sentiment_score":0.16957800090312958}],"sentiment":"neutral","sentiment_score":0.30625247646821663,"num_words":68,"start":751.04504,"end":772.375},{"sentences":[{"text":"Now in the appendix, which is if you go back out later, I don't have to do it now, you will see a couple of attachments.","start":772.755,"end":779.59,"sentiment":"neutral","sentiment_score":0.08545916613477927},{"text":"So you'll have a appendix and some supporting documents.","start":779.81,"end":782.87,"sentiment":"neutral","sentiment_score":0.12148203204075496},{"text":"That is basically some research for you if you do wanna read up on it.","start":783.17,"end":787.02997,"sentiment":"neutral","sentiment_score":0.13306092073520023},{"text":"And in the appendix, there are actually investment links to all of these investments.","start":787.17,"end":791.91,"sentiment":"neutral","sentiment_score":0.14020596497825213},{"text":"So if it is that you want to go and have a read over this in a bit more detail as well, you're more than welcome to do so.","start":791.97,"end":799.075,"sentiment":"neutral","sentiment_score":0.21413220465183258}],"sentiment":"neutral","sentiment_score":0.14498825659674983,"num_words":93,"start":772.755,"end":799.075},{"sentences":[{"text":"Yep.","start":800.255,"end":800.755,"sentiment":"positive","sentiment_score":0.4935533404350281},{"text":"Perfect.","start":801.215,"end":801.715,"sentiment":"positive","sentiment_score":0.6390088200569153},{"text":"Now on the next page, you will then see the asset allocation table.","start":802.255,"end":807.05,"sentiment":"neutral","sentiment_score":0.19594420549961236},{"text":"You're gonna have a little pie chart as well.","start":807.05,"end":808.97003,"sentiment":"neutral","sentiment_score":0.1949051386780209},{"text":"Can you see that?","start":808.97003,"end":809.95,"sentiment":"neutral","sentiment_score":0.10335151292383671}],"sentiment":"neutral","sentiment_score":0.20883532613515854,"num_words":28,"start":800.255,"end":809.95},{"sentences":[{"text":"Yep.","start":810.49,"end":810.99,"sentiment":"neutral","sentiment_score":0.1462106555700302},{"text":"Perfect.","start":811.37,"end":811.87,"sentiment":"positive","sentiment_score":0.45734575390815735},{"text":"So you can see here the the second column where it says the risk profile is that ninety ten split, 90 growth, 10 defensive.","start":812.01,"end":821.455,"sentiment":"neutral","sentiment_score":0.16026932001113892},{"text":"You have the existing portfolio and then the proposed.","start":822.315,"end":825.615,"sentiment":"neutral","sentiment_score":0.14184429662095177},{"text":"And you can see that both existing and the proposed are quite similar in regards through that risk allocation for you.","start":825.755,"end":833.28,"sentiment":"neutral","sentiment_score":0.16315633413337527}],"sentiment":"neutral","sentiment_score":0.1634446745738387,"num_words":56,"start":810.49,"end":833.28},{"sentences":[{"text":"Any questions so far?","start":835.2,"end":836.58,"sentiment":"neutral","sentiment_score":0.02167143113911152},{"text":"No.","start":838.0,"end":838.5,"sentiment":"neutral","sentiment_score":-0.13417239487171173},{"text":"Yeah.","start":840.08,"end":840.48004,"sentiment":"neutral","sentiment_score":0.033205702900886536},{"text":"Mhmm.","start":840.48004,"end":840.72003,"sentiment":"neutral","sentiment_score":0.09721869230270386},{"text":"Perfect.","start":840.72003,"end":841.22003,"sentiment":"neutral","sentiment_score":0.31305062770843506}],"sentiment":"neutral","sentiment_score":0.049498544074594975,"num_words":8,"start":835.2,"end":841.22003},{"sentences":[{"text":"Which almost takes us through the end, actually.","start":841.60004,"end":845.14,"sentiment":"neutral","sentiment_score":0.18825493566691875},{"text":"And if you then wanna scroll through page 21 for me, I just wanna highlight the remuneration for you once more just to be sure.","start":845.52,"end":854.245,"sentiment":"neutral","sentiment_score":0.1728760775923729},{"text":"Yes.","start":857.505,"end":858.005,"sentiment":"neutral","sentiment_score":0.18226143717765808},{"text":"So, obviously, if you are happy to go ahead with this change when you've had a time to have a read over it, there is no additional fees or charges at all to make the change.","start":858.46497,"end":869.57996,"sentiment":"neutral","sentiment_score":0.2565012365165684},{"text":"It is simply just that usual 1.65 ongoing device fee.","start":869.57996,"end":874.13995,"sentiment":"neutral","sentiment_score":0.285452675819397}],"sentiment":"neutral","sentiment_score":0.22623467668890954,"num_words":80,"start":841.60004,"end":874.13995},{"sentences":[{"text":"It's all part of the service.","start":874.13995,"end":875.68,"sentiment":"neutral","sentiment_score":0.33233322699864704},{"text":"Obviously, all the research and everything is all part of that.","start":876.605,"end":879.165,"sentiment":"positive","sentiment_score":0.37741530483419244},{"text":"So if it is that you do wanna go ahead, no additional fees or charges at all.","start":879.165,"end":884.225,"sentiment":"neutral","sentiment_score":0.2479152105310384},{"text":"Yep.","start":885.485,"end":885.985,"sentiment":"neutral","sentiment_score":0.04713387042284012},{"text":"Now we have this listed underneath that as well, the insurances.","start":886.125,"end":890.26,"sentiment":"neutral","sentiment_score":0.03462575680830262}],"sentiment":"neutral","sentiment_score":0.2345248584676048,"num_words":46,"start":874.13995,"end":890.26},{"sentences":[{"text":"So we do get commissions from the insurer, which is 23% of the premium ongoing, but that is me of paying us.","start":890.4,"end":900.24005,"sentiment":"neutral","sentiment_score":0.026265120980414478},{"text":"It is not you paying us But for compliance purposes and to make sure that you are fully informed of everything, we do have to disclose it so you are aware.","start":900.24005,"end":909.335,"sentiment":"neutral","sentiment_score":0.03166566212331095},{"text":"But, again, it is not you paying that amount.","start":909.715,"end":911.955,"sentiment":"neutral","sentiment_score":-0.025916659066246614},{"text":"It is the insurer paying us.","start":911.955,"end":913.815,"sentiment":"neutral","sentiment_score":0.0036604184036453566},{"text":"Any questions?","start":915.65,"end":916.55,"sentiment":"neutral","sentiment_score":0.0015552393160760403}],"sentiment":"neutral","sentiment_score":0.01930416064070804,"num_words":70,"start":890.4,"end":916.55},{"sentences":[{"text":"No.","start":917.49,"end":917.99,"sentiment":"neutral","sentiment_score":-0.14000192284584043},{"text":"Yeah.","start":918.37,"end":918.85004,"sentiment":"neutral","sentiment_score":0.10391484200954436},{"text":"Perfect.","start":918.85004,"end":919.35004,"sentiment":"positive","sentiment_score":0.430396020412445},{"text":"Which essentially just summarizes everything at the end.","start":919.89,"end":923.27,"sentiment":"neutral","sentiment_score":0.1991943158209324},{"text":"So it talks about authority to proceed.","start":923.41003,"end":925.65,"sentiment":"neutral","sentiment_score":0.17850965155022486}],"sentiment":"neutral","sentiment_score":0.1798572792775101,"num_words":18,"start":917.49,"end":925.65},{"sentences":[{"text":"That is if you are happy to go ahead.","start":925.65,"end":927.83,"sentiment":"neutral","sentiment_score":0.3311251915163464},{"text":"Basically, we are keeping your net wealth and not making any changes there.","start":928.53,"end":932.335,"sentiment":"neutral","sentiment_score":0.17297609265034014},{"text":"Literally just swapping some of those investments for you.","start":932.335,"end":936.275,"sentiment":"neutral","sentiment_score":0.25369322299957275},{"text":"And by going ahead when you've had a time to have a read over it, if you do read over it and you have a couple of more questions, just give me a call or we can always go through it.","start":936.895,"end":946.69,"sentiment":"neutral","sentiment_score":0.20146967034514357},{"text":"If you go through it and you don't have any questions and you are happy to to go ahead, then from here would be for you to just sign the document digitally.","start":947.79,"end":958.05,"sentiment":"neutral","sentiment_score":0.2822507224045694}],"sentiment":"neutral","sentiment_score":0.2385032166941808,"num_words":104,"start":925.65,"end":958.05},{"sentences":[{"text":"I will then get notified, and then I can let the team know to go ahead with the change, essentially.","start":958.67505,"end":964.375,"sentiment":"neutral","sentiment_score":0.2816267229616642},{"text":"Yeah.","start":965.715,"end":966.215,"sentiment":"neutral","sentiment_score":0.30986058712005615},{"text":"That was essentially everything I had to run through with you today.","start":967.075,"end":970.67505,"sentiment":"positive","sentiment_score":0.5745826413234075},{"text":"So pretty straightforward, but do you have any questions for me otherwise at this point?","start":970.67505,"end":976.1,"sentiment":"neutral","sentiment_score":0.1839270035425822},{"text":"Yep.","start":977.76,"end":978.26,"sentiment":"neutral","sentiment_score":0.01309228129684925}],"sentiment":"neutral","sentiment_score":0.3185588587075472,"num_words":49,"start":958.67505,"end":978.26},{"sentences":[{"text":"Yes.","start":978.88,"end":979.38,"sentiment":"neutral","sentiment_score":0.20496684312820437},{"text":"That is perfectly fine.","start":980.0,"end":981.28,"sentiment":"positive","sentiment_score":0.38282694667577744},{"text":"Take your time to have a read over it.","start":981.28,"end":983.38,"sentiment":"positive","sentiment_score":0.34546222620540196},{"text":"Like I said, you can always give me a call or even just send send us an email if there's any questions, and we can always go through anything that way as well.","start":983.52,"end":992.14496,"sentiment":"neutral","sentiment_score":0.30047123766306677},{"text":"Perfect.","start":993.885,"end":994.365,"sentiment":"positive","sentiment_score":0.6241492033004761}],"sentiment":"neutral","sentiment_score":0.32052363983045024,"num_words":48,"start":978.88,"end":994.365},{"sentences":[{"text":"Well, thank you so much for your time this afternoon, and I will let you get back to you afternoon.","start":994.365,"end":999.40497,"sentiment":"positive","sentiment_score":0.6411702565848827},{"text":"And like I said, any questions, don't hesitate to give me a call.","start":999.40497,"end":1002.7169,"sentiment":"neutral","sentiment_score":0.15441650725328004},{"text":"Mhmm.","start":1003.91693,"end":1004.41693,"sentiment":"positive","sentiment_score":0.5118630528450012},{"text":"No no problem at all.","start":1004.7169,"end":1006.23694,"sentiment":"neutral","sentiment_score":-0.08302624374628068},{"text":"We'll speak soon.","start":1006.23694,"end":1007.29694,"sentiment":"neutral","sentiment_score":0.18601073324680328}],"sentiment":"positive","sentiment_score":0.36870437523438815,"num_words":42,"start":994.365,"end":1007.29694},{"sentences":[{"text":"Okay.","start":1008.6369,"end":1009.0369,"sentiment":"neutral","sentiment_score":0.1726454496383667},{"text":"Bye.","start":1009.0369,"end":1009.5369,"sentiment":"neutral","sentiment_score":-0.11815814673900604}],"sentiment":"neutral","sentiment_score":0.02724365144968033,"num_words":2,"start":1008.6369,"end":1009.5369}]}}]},{"alternatives":[{"transcript":"Hello? Pippa speaking. I'm well. Thank you. How are you? Yep. I do. Give me a second and I'll you're still there? Are you there? Sorry. Yes. I can. Sorry. It's just the speaker dropped when I shifted across to yep. Now it's there. I can see it there. The signed document. Yes. Yep. Yes. I can see that. Mhmm. It is quite a long document. Yep. Mhmm. Yep. Okay. Yep. Mhmm. Yep. Mhmm. Yes. It makes sense. Yep. Yep. Yes. Mhmm. Yep. Pampers. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Yep. The best recommendation. Mhmm. Mhmm. Yes. Yes. Yes. That makes sense. Yep. Yep. What page was it? 17. Yep. Post comparison. Alright. Yep. Mhmm. Yes. That is a lot. Yes. Mhmm. Yep. Mhmm. No. I think I've I've I've I'll go back over it in more detail, but it's making sense so far. Yep. Yep. Yes. Mhmm. Yes. Mhmm. Yep. Yep. Okay. Yep. Yep. Mhmm. Okay. Yes. Mhmm. Mhmm. Yep. Yep. Yeah. Mhmm. Yes. Okay. Yep. Yep. Correct. Thank you. Yep. Yes. I did. No. I think I can Yep. Yep. Page 20 one. Mhmm. Yes. Mhmm. Yep. Yes. No. I think that makes sense. Mhmm. Yep. Okay. Great. Look. Not not at this stage. I may be in touch, but yeah. Mhmm. Great. Thank you. Great. Thank you so much, Veronica. Alright. Thanks. Bye.","confidence":0.95938253,"words":[{"word":"hello","start":0.96,"end":1.4399999,"confidence":0.9302689,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.02411135658621788},{"word":"pippa","start":1.4399999,"end":1.76,"confidence":0.6183801,"punctuated_word":"Pippa","sentiment":"neutral","sentiment_score":0.04516546055674553},{"word":"speaking","start":1.76,"end":2.26,"confidence":0.9952686,"punctuated_word":"speaking.","sentiment":"neutral","sentiment_score":0.05785968899726868},{"word":"i'm","start":7.52,"end":7.9199996,"confidence":0.76234484,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.42629915475845337},{"word":"well","start":7.9199996,"end":8.24,"confidence":0.9905573,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.4444870948791504},{"word":"thank","start":8.24,"end":8.4,"confidence":0.99968123,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.658713698387146},{"word":"you","start":8.4,"end":8.639999,"confidence":0.9997526,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5720129609107971},{"word":"how","start":8.639999,"end":8.8,"confidence":0.9992256,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.3756917119026184},{"word":"are","start":8.8,"end":8.96,"confidence":0.99882334,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3108200430870056},{"word":"you","start":8.96,"end":9.46,"confidence":0.9996362,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.4077707529067993},{"word":"yep","start":76.095,"end":76.495,"confidence":0.65228057,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04436866566538811},{"word":"i","start":76.495,"end":76.655,"confidence":0.9917257,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.056101880967617035},{"word":"do","start":76.655,"end":77.155,"confidence":0.9956771,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.06340248137712479},{"word":"give","start":78.095,"end":78.255005,"confidence":0.97342616,"punctuated_word":"Give","sentiment":"neutral","sentiment_score":0.06423715502023697},{"word":"me","start":78.255005,"end":78.495,"confidence":0.9987826,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06685153394937515},{"word":"a","start":78.495,"end":78.655,"confidence":0.9960751,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05455271527171135},{"word":"second","start":78.655,"end":79.135,"confidence":0.99922514,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.05438333749771118},{"word":"and","start":79.135,"end":79.375,"confidence":0.393908,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03891269862651825},{"word":"i'll","start":79.375,"end":79.875,"confidence":0.96064186,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.03444641828536987},{"word":"you're","start":81.775,"end":81.935,"confidence":0.67583567,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.003236082848161459},{"word":"still","start":81.935,"end":82.175,"confidence":0.993986,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.0020936578512191772},{"word":"there","start":82.175,"end":82.675,"confidence":0.8942276,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":-0.0012519322335720062},{"word":"are","start":108.465,"end":108.545,"confidence":0.8132644,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.021338552236557007},{"word":"you","start":108.545,"end":108.705,"confidence":0.9938539,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.022220337763428688},{"word":"there","start":108.705,"end":109.024994,"confidence":0.996837,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":-0.021582171320915226},{"word":"sorry","start":109.024994,"end":109.524994,"confidence":0.9915857,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.03461656719446182},{"word":"yes","start":112.064995,"end":112.384995,"confidence":0.847253,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.006408416666090488},{"word":"i","start":112.384995,"end":112.545,"confidence":0.99702793,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00014685466885566711},{"word":"can","start":112.545,"end":112.945,"confidence":0.9968177,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":9.416602551937103e-6},{"word":"sorry","start":112.945,"end":113.345,"confidence":0.988184,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.054089564830064774},{"word":"it's","start":113.345,"end":113.845,"confidence":0.7713516,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.06595694273710251},{"word":"just","start":114.509995,"end":114.75,"confidence":0.99116737,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.069283127784729},{"word":"the","start":114.75,"end":114.99,"confidence":0.86041373,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0869755893945694},{"word":"speaker","start":114.99,"end":115.39,"confidence":0.97571135,"punctuated_word":"speaker","sentiment":"neutral","sentiment_score":-0.0845317393541336},{"word":"dropped","start":115.39,"end":115.71,"confidence":0.9385053,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":-0.06417269259691238},{"word":"when","start":115.71,"end":115.869995,"confidence":0.99458164,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.07230985909700394},{"word":"i","start":115.869995,"end":115.95,"confidence":0.9988022,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0608661063015461},{"word":"shifted","start":115.95,"end":116.35,"confidence":0.96245253,"punctuated_word":"shifted","sentiment":"neutral","sentiment_score":-0.04636280983686447},{"word":"across","start":116.35,"end":116.75,"confidence":0.9894643,"punctuated_word":"across","sentiment":"neutral","sentiment_score":-0.04395872354507446},{"word":"to","start":116.75,"end":117.25,"confidence":0.8951665,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04703556001186371},{"word":"yep","start":122.75,"end":123.149994,"confidence":0.91848636,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.08192706108093262},{"word":"now","start":123.149994,"end":123.31,"confidence":0.75671816,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.08834750950336456},{"word":"it's","start":123.31,"end":123.549995,"confidence":0.9851173,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.10169470310211182},{"word":"there","start":123.549995,"end":123.869995,"confidence":0.97744983,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.08037014305591583},{"word":"i","start":123.869995,"end":123.95,"confidence":0.9979153,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08030810207128525},{"word":"can","start":123.95,"end":124.189995,"confidence":0.9988783,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.07036018371582031},{"word":"see","start":124.189995,"end":124.42999,"confidence":0.9735388,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.035650379955768585},{"word":"it","start":124.42999,"end":124.59,"confidence":0.98198664,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04630395025014877},{"word":"there","start":124.59,"end":125.09,"confidence":0.94888365,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.02186250686645508},{"word":"the","start":133.855,"end":134.095,"confidence":0.50990224,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04161389544606209},{"word":"signed","start":134.095,"end":134.415,"confidence":0.57906395,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.05045989900827408},{"word":"document","start":134.415,"end":134.915,"confidence":0.8363919,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.05825419723987579},{"word":"yes","start":139.055,"end":139.555,"confidence":0.8646786,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08041533827781677},{"word":"yep","start":144.75,"end":145.25,"confidence":0.9312773,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02279861643910408},{"word":"yes","start":147.31,"end":147.63,"confidence":0.9709327,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04900151491165161},{"word":"i","start":147.63,"end":147.70999,"confidence":0.56910914,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04013374447822571},{"word":"can","start":147.70999,"end":147.95,"confidence":0.8751795,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03300987556576729},{"word":"see","start":147.95,"end":148.11,"confidence":0.45391786,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.036372773349285126},{"word":"that","start":148.11,"end":148.61,"confidence":0.99944127,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.023675587028265},{"word":"mhmm","start":168.035,"end":168.535,"confidence":0.85564005,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.04257555305957794},{"word":"it","start":168.835,"end":168.99501,"confidence":0.7839173,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.03647755458950997},{"word":"is","start":168.99501,"end":169.235,"confidence":0.96915174,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05363032966852188},{"word":"quite","start":169.235,"end":169.475,"confidence":0.9968899,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.06040330231189728},{"word":"a","start":169.475,"end":169.55501,"confidence":0.99571544,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.058019980788230896},{"word":"long","start":169.55501,"end":169.79501,"confidence":0.9929229,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.06629644334316254},{"word":"document","start":169.79501,"end":170.29501,"confidence":0.9929719,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":-0.05809526890516281},{"word":"yep","start":177.12001,"end":177.62001,"confidence":0.92234993,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03209051862359047},{"word":"mhmm","start":181.12001,"end":181.62001,"confidence":0.99168944,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.019232986494898796},{"word":"yep","start":184.8,"end":185.025,"confidence":0.9900609,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.050625771284103394},{"word":"okay","start":187.745,"end":188.245,"confidence":0.9985291,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.23667806386947632},{"word":"yep","start":194.94499,"end":195.44499,"confidence":0.925747,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09950993955135344},{"word":"mhmm","start":199.905,"end":200.31,"confidence":0.99864304,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07978613674640656},{"word":"yep","start":205.75,"end":206.25,"confidence":0.7838003,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11516760289669035},{"word":"mhmm","start":222.205,"end":222.44499,"confidence":0.88494337,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.027645066380500793},{"word":"yes","start":222.44499,"end":222.765,"confidence":0.69698673,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10463044047355652},{"word":"it","start":222.765,"end":222.845,"confidence":0.35875517,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.14397090673446655},{"word":"makes","start":222.845,"end":223.165,"confidence":0.9750029,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.12929600477218628},{"word":"sense","start":223.165,"end":223.665,"confidence":0.8690834,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.1057661399245262},{"word":"yep","start":235.5,"end":236.0,"confidence":0.9625796,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06643690168857574},{"word":"yep","start":248.075,"end":248.575,"confidence":0.8426189,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12680195271968842},{"word":"yes","start":257.21,"end":257.71,"confidence":0.9602839,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08379632234573364},{"word":"mhmm","start":258.25,"end":258.75,"confidence":0.9992349,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.046321287751197815},{"word":"yep","start":269.785,"end":269.945,"confidence":0.86640173,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06879107654094696},{"word":"pampers","start":269.945,"end":270.445,"confidence":0.6956745,"punctuated_word":"Pampers.","sentiment":"neutral","sentiment_score":0.21750259399414065},{"word":"yep","start":270.665,"end":271.165,"confidence":0.937148,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.234173983335495},{"word":"mhmm","start":275.625,"end":276.03,"confidence":0.9983506,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05092844367027283},{"word":"yep","start":282.91,"end":283.41,"confidence":0.93732405,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04822338744997978},{"word":"yep","start":289.67502,"end":290.17502,"confidence":0.8676555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.29438692331314087},{"word":"mhmm","start":300.795,"end":301.05,"confidence":0.98198986,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06759976595640182},{"word":"yep","start":332.59998,"end":333.09998,"confidence":0.92907214,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04811229556798935},{"word":"mhmm","start":337.24,"end":337.74,"confidence":0.93842745,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.2591080665588379},{"word":"yep","start":340.75998,"end":341.055,"confidence":0.9367743,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0886462926864624},{"word":"yep","start":351.935,"end":352.435,"confidence":0.92435956,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.056843437254428864},{"word":"the","start":352.57498,"end":352.735,"confidence":0.41031244,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.06211034208536148},{"word":"best","start":352.735,"end":352.975,"confidence":0.9462315,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.08561378717422485},{"word":"recommendation","start":352.975,"end":353.475,"confidence":0.6668657,"punctuated_word":"recommendation.","sentiment":"neutral","sentiment_score":0.09406216442584991},{"word":"mhmm","start":361.29,"end":361.79,"confidence":0.97641027,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08643552660942078},{"word":"mhmm","start":368.16998,"end":368.66998,"confidence":0.9363151,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1373240351676941},{"word":"yes","start":407.435,"end":407.835,"confidence":0.79432714,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09673060476779938},{"word":"yes","start":407.835,"end":408.335,"confidence":0.7786757,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1217227429151535},{"word":"yes","start":438.66,"end":438.90002,"confidence":0.92198896,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08208353817462921},{"word":"that","start":438.90002,"end":439.14,"confidence":0.95013607,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.11670337617397308},{"word":"makes","start":439.14,"end":439.38,"confidence":0.7263871,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.08708696812391281},{"word":"sense","start":439.38,"end":439.7,"confidence":0.99775356,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.05516578257083893},{"word":"yep","start":439.7,"end":440.2,"confidence":0.9221698,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13311678171157837},{"word":"yep","start":447.30002,"end":447.80002,"confidence":0.95938253,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0670768991112709},{"word":"what","start":457.475,"end":457.79498,"confidence":0.7672964,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.025081969797611237},{"word":"page","start":457.79498,"end":458.115,"confidence":0.9982058,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.02402789890766144},{"word":"was","start":458.115,"end":458.615,"confidence":0.9938545,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03975633904337883},{"word":"it","start":459.955,"end":460.35498,"confidence":0.98642766,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.02627139538526535},{"word":"17","start":460.35498,"end":460.85498,"confidence":0.8176837,"punctuated_word":"17.","sentiment":"neutral","sentiment_score":0.05007338896393776},{"word":"yep","start":462.595,"end":462.99,"confidence":0.7715651,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10232962667942049},{"word":"post","start":464.43,"end":464.75,"confidence":0.124466054,"punctuated_word":"Post","sentiment":"neutral","sentiment_score":0.0925978273153305},{"word":"comparison","start":464.75,"end":465.25,"confidence":0.6517092,"punctuated_word":"comparison.","sentiment":"neutral","sentiment_score":0.12083415687084198},{"word":"alright","start":465.31,"end":465.55,"confidence":0.65002173,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.1010003387928009},{"word":"yep","start":465.55,"end":466.05,"confidence":0.96749496,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10895174741744997},{"word":"mhmm","start":483.465,"end":483.965,"confidence":0.9492737,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.11371521651744844},{"word":"yes","start":507.335,"end":507.835,"confidence":0.9301369,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.32514482736587524},{"word":"that","start":509.01498,"end":509.175,"confidence":0.6732226,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.5258236527442932},{"word":"is","start":509.175,"end":509.415,"confidence":0.9968002,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4668319523334503},{"word":"a","start":509.415,"end":509.495,"confidence":0.97189665,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.46063828468322754},{"word":"lot","start":509.495,"end":509.815,"confidence":0.9920281,"punctuated_word":"lot.","sentiment":"positive","sentiment_score":0.38583850860595703},{"word":"yes","start":509.815,"end":510.315,"confidence":0.83902085,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.16269643604755402},{"word":"mhmm","start":532.005,"end":532.505,"confidence":0.9157574,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03929521888494491},{"word":"yep","start":537.125,"end":537.625,"confidence":0.66147625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17808091640472412},{"word":"mhmm","start":545.765,"end":546.09,"confidence":0.89684266,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.27359306812286377},{"word":"no","start":555.77,"end":556.01,"confidence":0.79801166,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.006259839981794357},{"word":"i","start":556.01,"end":556.17004,"confidence":0.99773276,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02805572748184204},{"word":"think","start":556.17004,"end":556.57,"confidence":0.9983424,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0010411068797111511},{"word":"i've","start":556.57,"end":556.81,"confidence":0.7412113,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.008091730996966362},{"word":"i've","start":556.81,"end":557.05005,"confidence":0.927927,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.011230981908738611},{"word":"i've","start":557.05005,"end":557.21,"confidence":0.96748006,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.004389016889035702},{"word":"i'll","start":557.37006,"end":557.61005,"confidence":0.99580693,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0013676075031980872},{"word":"go","start":557.61005,"end":557.77,"confidence":0.96960497,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.03433063626289368},{"word":"back","start":557.77,"end":558.09,"confidence":0.9994122,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.04341955855488777},{"word":"over","start":558.09,"end":558.41003,"confidence":0.99950016,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.08337055891752243},{"word":"it","start":558.41003,"end":558.49005,"confidence":0.7220156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07004168629646301},{"word":"in","start":558.49005,"end":558.65,"confidence":0.8901085,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.026279091835021973},{"word":"more","start":558.65,"end":558.81,"confidence":0.9959525,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.004065200686454773},{"word":"detail","start":558.81,"end":559.13,"confidence":0.9354545,"punctuated_word":"detail,","sentiment":"neutral","sentiment_score":0.010503973811864851},{"word":"but","start":559.13,"end":559.37006,"confidence":0.99941456,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.025358393788337708},{"word":"it's","start":559.37006,"end":559.45,"confidence":0.9991274,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.057601407170295715},{"word":"making","start":559.45,"end":559.77,"confidence":0.99967265,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.02265162020921707},{"word":"sense","start":559.77,"end":560.01,"confidence":0.9981212,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.0935138612985611},{"word":"so","start":560.01,"end":560.25,"confidence":0.98203504,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13099826872348783},{"word":"far","start":560.25,"end":560.535,"confidence":0.99776125,"punctuated_word":"far.","sentiment":"neutral","sentiment_score":0.11583032459020616},{"word":"yep","start":560.535,"end":561.035,"confidence":0.9555261,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1318403035402298},{"word":"yep","start":566.5425,"end":567.0425,"confidence":0.7282415,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1889512538909912},{"word":"yes","start":584.87,"end":585.045,"confidence":0.95816046,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11181570589542388},{"word":"mhmm","start":585.045,"end":585.545,"confidence":0.86552817,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07548192143440247},{"word":"yes","start":595.125,"end":595.625,"confidence":0.89400613,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12838178873062134},{"word":"mhmm","start":600.245,"end":600.6,"confidence":0.99868304,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.10067567229270936},{"word":"yep","start":608.04,"end":608.54,"confidence":0.9515181,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.022831683978438377},{"word":"yep","start":611.63995,"end":612.13995,"confidence":0.9901898,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04637305065989494},{"word":"okay","start":623.65497,"end":624.15497,"confidence":0.99620736,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.07866740226745605},{"word":"yep","start":663.89996,"end":664.215,"confidence":0.83990777,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22584816813468933},{"word":"yep","start":697.285,"end":697.785,"confidence":0.75941277,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17238712310791016},{"word":"mhmm","start":702.165,"end":702.665,"confidence":0.9989396,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.055106550455093384},{"word":"okay","start":714.99,"end":715.305,"confidence":0.96090835,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04116342216730118},{"word":"yes","start":716.105,"end":716.605,"confidence":0.7550162,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05573345720767975},{"word":"mhmm","start":720.185,"end":720.685,"confidence":0.998604,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06152310222387314},{"word":"mhmm","start":739.0,"end":739.335,"confidence":0.9040897,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.036257337778806686},{"word":"yep","start":751.015,"end":751.515,"confidence":0.91983056,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10920163989067078},{"word":"yep","start":753.495,"end":753.72,"confidence":0.7488353,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06998015940189362},{"word":"yeah","start":753.72,"end":754.22,"confidence":0.7243372,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20614680647850037},{"word":"mhmm","start":759.7275,"end":760.2275,"confidence":0.94360095,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.2603903114795685},{"word":"yes","start":771.015,"end":771.515,"confidence":0.879916,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.24623587727546692},{"word":"okay","start":787.03,"end":787.51,"confidence":0.97740155,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12181907892227171},{"word":"yep","start":787.51,"end":788.01,"confidence":0.74657655,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13632075488567352},{"word":"yep","start":799.28503,"end":799.445,"confidence":0.9670547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16161763668060303},{"word":"correct","start":799.445,"end":799.945,"confidence":0.8621235,"punctuated_word":"Correct.","sentiment":"positive","sentiment_score":0.35539549589157104},{"word":"thank","start":800.085,"end":800.325,"confidence":0.99929154,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6346437335014343},{"word":"you","start":800.325,"end":800.825,"confidence":0.9997119,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5750608444213867},{"word":"yep","start":809.54004,"end":810.04004,"confidence":0.9804517,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08238188922405243},{"word":"yes","start":810.26,"end":810.58,"confidence":0.9856288,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11277621984481812},{"word":"i","start":810.58,"end":810.74005,"confidence":0.77112347,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.26057761907577515},{"word":"did","start":810.74005,"end":811.24005,"confidence":0.8719384,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":0.2855466902256012},{"word":"no","start":837.01,"end":837.41,"confidence":0.7809392,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11340384185314178},{"word":"i","start":837.41,"end":837.57,"confidence":0.996283,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10228963941335678},{"word":"think","start":837.57,"end":838.07,"confidence":0.9993061,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.11683781445026398},{"word":"i","start":838.13,"end":838.29,"confidence":0.99796426,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08853740990161896},{"word":"can","start":838.29,"end":838.52997,"confidence":0.9990878,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.09504835307598114},{"word":"yep","start":839.33,"end":839.655,"confidence":0.9987649,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.04255745932459831},{"word":"yep","start":855.255,"end":855.63,"confidence":0.950073,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0768851563334465},{"word":"page","start":856.11,"end":856.51,"confidence":0.7707165,"punctuated_word":"Page","sentiment":"neutral","sentiment_score":0.06782819330692291},{"word":"20","start":856.51,"end":857.01,"confidence":0.998357,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.0882396399974823},{"word":"one","start":859.95,"end":860.45,"confidence":0.97980845,"punctuated_word":"one.","sentiment":"positive","sentiment_score":0.38597798347473145},{"word":"mhmm","start":864.59,"end":865.09,"confidence":0.8986048,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.20471985638141632},{"word":"yes","start":873.16504,"end":873.66504,"confidence":0.77996063,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2174842655658722},{"word":"mhmm","start":884.94,"end":885.44,"confidence":0.98534256,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.11128469556570052},{"word":"yep","start":894.06,"end":894.285,"confidence":0.98178256,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06559822708368301},{"word":"yes","start":915.35004,"end":915.85004,"confidence":0.791913,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.017295125871896744},{"word":"no","start":916.79004,"end":917.03,"confidence":0.9863533,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0895807296037674},{"word":"i","start":917.03,"end":917.19,"confidence":0.9961868,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08088692277669907},{"word":"think","start":917.19,"end":917.43005,"confidence":0.99791414,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.07911261171102524},{"word":"that","start":917.43005,"end":917.59,"confidence":0.99846506,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08558060228824615},{"word":"makes","start":917.59,"end":917.83,"confidence":0.94102645,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.09891808032989502},{"word":"sense","start":917.83,"end":918.33,"confidence":0.99898696,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.0979042947292328},{"word":"mhmm","start":931.7,"end":932.2,"confidence":0.8745647,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.11184847354888916},{"word":"yep","start":947.14,"end":947.415,"confidence":0.90364575,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22814695537090304},{"word":"okay","start":964.22,"end":964.72,"confidence":0.9860743,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.23064489662647247},{"word":"great","start":967.42,"end":967.92,"confidence":0.9759933,"punctuated_word":"Great.","sentiment":"positive","sentiment_score":0.6495769023895264},{"word":"look","start":975.755,"end":976.235,"confidence":0.66218686,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.025943076238036156},{"word":"not","start":976.235,"end":976.475,"confidence":0.91403335,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.08223095536231995},{"word":"not","start":976.475,"end":976.635,"confidence":0.840256,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08416828513145447},{"word":"at","start":976.635,"end":976.875,"confidence":0.9970187,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05180835351347923},{"word":"this","start":976.875,"end":977.115,"confidence":0.9941425,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.051805026829242706},{"word":"stage","start":977.115,"end":977.435,"confidence":0.97114795,"punctuated_word":"stage.","sentiment":"neutral","sentiment_score":-0.07036697864532471},{"word":"i","start":977.435,"end":977.595,"confidence":0.9421949,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.041504863649606705},{"word":"may","start":977.595,"end":977.835,"confidence":0.8922062,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.04310934618115425},{"word":"be","start":977.835,"end":977.915,"confidence":0.99634117,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0015632957220077517},{"word":"in","start":977.915,"end":978.075,"confidence":0.96404314,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.009370863437652588},{"word":"touch","start":978.075,"end":978.23,"confidence":0.7969109,"punctuated_word":"touch,","sentiment":"neutral","sentiment_score":0.02709087170660496},{"word":"but","start":978.23,"end":978.385,"confidence":0.99866533,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.010855458676815031},{"word":"yeah","start":978.635,"end":979.135,"confidence":0.86137176,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.05462312698364258},{"word":"mhmm","start":983.755,"end":984.255,"confidence":0.94449,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1761125922203064},{"word":"great","start":988.53,"end":989.03,"confidence":0.68211794,"punctuated_word":"Great.","sentiment":"positive","sentiment_score":0.5411306023597717},{"word":"thank","start":994.05005,"end":994.37006,"confidence":0.9418774,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.68934166431427},{"word":"you","start":994.37006,"end":994.87006,"confidence":0.99140954,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6338529586791992},{"word":"great","start":1003.05695,"end":1003.37695,"confidence":0.75507,"punctuated_word":"Great.","sentiment":"positive","sentiment_score":0.7981201410293579},{"word":"thank","start":1003.37695,"end":1003.61694,"confidence":0.95914584,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8055998682975769},{"word":"you","start":1003.61694,"end":1003.85693,"confidence":0.9992481,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7924489974975586},{"word":"so","start":1003.85693,"end":1004.01697,"confidence":0.9978963,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7861484289169312},{"word":"much","start":1004.01697,"end":1004.337,"confidence":0.97376925,"punctuated_word":"much,","sentiment":"positive","sentiment_score":0.5501296520233154},{"word":"veronica","start":1004.337,"end":1004.837,"confidence":0.9961712,"punctuated_word":"Veronica.","sentiment":"positive","sentiment_score":0.39091557264328},{"word":"alright","start":1005.457,"end":1005.957,"confidence":0.96290874,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":-0.04802848398685455},{"word":"thanks","start":1007.69696,"end":1008.19696,"confidence":0.99215704,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5651530027389526},{"word":"bye","start":1008.337,"end":1008.837,"confidence":0.9932537,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.25874385237693787}],"paragraphs":{"transcript":"\nHello? Pippa speaking. I'm well. Thank you. How are you?\n\nYep. I do. Give me a second and I'll you're still there? Are you there? Sorry.\n\nYes. I can. Sorry. It's just the speaker dropped when I shifted across to yep. Now it's there.\n\nI can see it there. The signed document. Yes. Yep. Yes.\n\nI can see that. Mhmm. It is quite a long document. Yep. Mhmm.\n\nYep. Okay. Yep. Mhmm. Yep.\n\nMhmm. Yes. It makes sense. Yep. Yep.\n\nYes. Mhmm. Yep. Pampers. Yep.\n\nMhmm. Yep. Yep. Mhmm. Yep.\n\nMhmm. Yep. Yep. The best recommendation. Mhmm.\n\nMhmm. Yes. Yes. Yes. That makes sense.\n\nYep. Yep. What page was it? 17. Yep.\n\nPost comparison. Alright. Yep. Mhmm. Yes.\n\nThat is a lot. Yes. Mhmm. Yep. Mhmm.\n\nNo. I think I've I've I've I'll go back over it in more detail, but it's making sense so far. Yep. Yep. Yes.\n\nMhmm. Yes. Mhmm. Yep. Yep.\n\nOkay. Yep. Yep. Mhmm. Okay.\n\nYes. Mhmm. Mhmm. Yep. Yep.\n\nYeah. Mhmm. Yes. Okay. Yep.\n\nYep. Correct. Thank you. Yep. Yes.\n\nI did. No. I think I can Yep. Yep. Page 20 one.\n\nMhmm. Yes. Mhmm. Yep. Yes.\n\nNo. I think that makes sense. Mhmm. Yep. Okay.\n\nGreat. Look. Not not at this stage. I may be in touch, but yeah. Mhmm.\n\nGreat. Thank you. Great. Thank you so much, Veronica. Alright.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.02411135658621788},{"text":"Pippa speaking.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.0515125747770071},{"text":"I'm well.","start":7.52,"end":8.24,"sentiment":"positive","sentiment_score":0.4353931248188019},{"text":"Thank you.","start":8.24,"end":8.639999,"sentiment":"positive","sentiment_score":0.6153633296489716},{"text":"How are you?","start":8.639999,"end":9.46,"sentiment":"positive","sentiment_score":0.36476083596547443}],"sentiment":"neutral","sentiment_score":0.3322931922972202,"num_words":10,"start":0.96,"end":9.46},{"sentences":[{"text":"Yep.","start":76.095,"end":76.495,"sentiment":"neutral","sentiment_score":0.04436866566538811},{"text":"I do.","start":76.495,"end":77.155,"sentiment":"neutral","sentiment_score":0.05975218117237091},{"text":"Give me a second and I'll you're still there?","start":78.095,"end":82.675,"sentiment":"neutral","sentiment_score":0.034808261268254787},{"text":"Are you there?","start":108.465,"end":109.024994,"sentiment":"neutral","sentiment_score":-0.021713687106966972},{"text":"Sorry.","start":109.024994,"end":109.524994,"sentiment":"neutral","sentiment_score":-0.03461656719446182}],"sentiment":"neutral","sentiment_score":0.023586859431816265,"num_words":16,"start":76.095,"end":109.524994},{"sentences":[{"text":"Yes.","start":112.064995,"end":112.384995,"sentiment":"neutral","sentiment_score":0.006408416666090488},{"text":"I can.","start":112.384995,"end":112.945,"sentiment":"neutral","sentiment_score":0.00007813563570380211},{"text":"Sorry.","start":112.945,"end":113.345,"sentiment":"neutral","sentiment_score":-0.054089564830064774},{"text":"It's just the speaker dropped when I shifted across to yep.","start":113.345,"end":123.149994,"sentiment":"neutral","sentiment_score":-0.06576183743097565},{"text":"Now it's there.","start":123.149994,"end":123.869995,"sentiment":"neutral","sentiment_score":-0.09013745188713074}],"sentiment":"neutral","sentiment_score":-0.05785096912748284,"num_words":18,"start":112.064995,"end":123.869995},{"sentences":[{"text":"I can see it there.","start":123.869995,"end":125.09,"sentiment":"neutral","sentiment_score":-0.0508970245718956},{"text":"The signed document.","start":133.855,"end":134.915,"sentiment":"neutral","sentiment_score":0.05010933056473732},{"text":"Yes.","start":139.055,"end":139.555,"sentiment":"neutral","sentiment_score":0.08041533827781677},{"text":"Yep.","start":144.75,"end":145.25,"sentiment":"neutral","sentiment_score":0.02279861643910408},{"text":"Yes.","start":147.31,"end":147.63,"sentiment":"neutral","sentiment_score":0.04900151491165161}],"sentiment":"neutral","sentiment_score":0.004368939860300584,"num_words":11,"start":123.869995,"end":147.63},{"sentences":[{"text":"I can see that.","start":147.63,"end":148.61,"sentiment":"neutral","sentiment_score":0.03329799510538578},{"text":"Mhmm.","start":168.035,"end":168.535,"sentiment":"neutral","sentiment_score":-0.04257555305957794},{"text":"It is quite a long document.","start":168.835,"end":170.29501,"sentiment":"neutral","sentiment_score":-0.055487146601080894},{"text":"Yep.","start":177.12001,"end":177.62001,"sentiment":"neutral","sentiment_score":-0.03209051862359047},{"text":"Mhmm.","start":181.12001,"end":181.62001,"sentiment":"neutral","sentiment_score":0.019232986494898796}],"sentiment":"neutral","sentiment_score":-0.019627998797939375,"num_words":13,"start":147.63,"end":181.62001},{"sentences":[{"text":"Yep.","start":184.8,"end":185.025,"sentiment":"neutral","sentiment_score":0.050625771284103394},{"text":"Okay.","start":187.745,"end":188.245,"sentiment":"neutral","sentiment_score":0.23667806386947632},{"text":"Yep.","start":194.94499,"end":195.44499,"sentiment":"neutral","sentiment_score":0.09950993955135344},{"text":"Mhmm.","start":199.905,"end":200.31,"sentiment":"neutral","sentiment_score":0.07978613674640656},{"text":"Yep.","start":205.75,"end":206.25,"sentiment":"neutral","sentiment_score":0.11516760289669035}],"sentiment":"neutral","sentiment_score":0.11635350286960602,"num_words":5,"start":184.8,"end":206.25},{"sentences":[{"text":"Mhmm.","start":222.205,"end":222.44499,"sentiment":"neutral","sentiment_score":0.027645066380500793},{"text":"Yes.","start":222.44499,"end":222.765,"sentiment":"neutral","sentiment_score":0.10463044047355652},{"text":"It makes sense.","start":222.765,"end":223.665,"sentiment":"neutral","sentiment_score":0.1263443504770597},{"text":"Yep.","start":235.5,"end":236.0,"sentiment":"neutral","sentiment_score":0.06643690168857574},{"text":"Yep.","start":248.075,"end":248.575,"sentiment":"neutral","sentiment_score":0.12680195271968842}],"sentiment":"neutral","sentiment_score":0.10064963038478579,"num_words":7,"start":222.205,"end":248.575},{"sentences":[{"text":"Yes.","start":257.21,"end":257.71,"sentiment":"neutral","sentiment_score":0.08379632234573364},{"text":"Mhmm.","start":258.25,"end":258.75,"sentiment":"neutral","sentiment_score":-0.046321287751197815},{"text":"Yep.","start":269.785,"end":269.945,"sentiment":"neutral","sentiment_score":0.06879107654094696},{"text":"Pampers.","start":269.945,"end":270.445,"sentiment":"neutral","sentiment_score":0.21750259399414065},{"text":"Yep.","start":270.665,"end":271.165,"sentiment":"neutral","sentiment_score":0.234173983335495}],"sentiment":"neutral","sentiment_score":0.11158853769302368,"num_words":5,"start":257.21,"end":271.165},{"sentences":[{"text":"Mhmm.","start":275.625,"end":276.03,"sentiment":"neutral","sentiment_score":0.05092844367027283},{"text":"Yep.","start":282.91,"end":283.41,"sentiment":"neutral","sentiment_score":0.04822338744997978},{"text":"Yep.","start":289.67502,"end":290.17502,"sentiment":"neutral","sentiment_score":0.29438692331314087},{"text":"Mhmm.","start":300.795,"end":301.05,"sentiment":"neutral","sentiment_score":0.06759976595640182},{"text":"Yep.","start":332.59998,"end":333.09998,"sentiment":"neutral","sentiment_score":0.04811229556798935}],"sentiment":"neutral","sentiment_score":0.10185016319155693,"num_words":5,"start":275.625,"end":333.09998},{"sentences":[{"text":"Mhmm.","start":337.24,"end":337.74,"sentiment":"neutral","sentiment_score":0.2591080665588379},{"text":"Yep.","start":340.75998,"end":341.055,"sentiment":"neutral","sentiment_score":0.0886462926864624},{"text":"Yep.","start":351.935,"end":352.435,"sentiment":"neutral","sentiment_score":0.056843437254428864},{"text":"The best recommendation.","start":352.57498,"end":353.475,"sentiment":"neutral","sentiment_score":0.08059543122847874},{"text":"Mhmm.","start":361.29,"end":361.79,"sentiment":"neutral","sentiment_score":0.08643552660942078}],"sentiment":"neutral","sentiment_score":0.10468851668494088,"num_words":7,"start":337.24,"end":361.79},{"sentences":[{"text":"Mhmm.","start":368.16998,"end":368.66998,"sentiment":"neutral","sentiment_score":0.1373240351676941},{"text":"Yes.","start":407.435,"end":407.835,"sentiment":"neutral","sentiment_score":0.09673060476779938},{"text":"Yes.","start":407.835,"end":408.335,"sentiment":"neutral","sentiment_score":0.1217227429151535},{"text":"Yes.","start":438.66,"end":438.90002,"sentiment":"neutral","sentiment_score":0.08208353817462921},{"text":"That makes sense.","start":438.90002,"end":439.7,"sentiment":"neutral","sentiment_score":0.08631870895624161}],"sentiment":"neutral","sentiment_score":0.09954529255628586,"num_words":7,"start":368.16998,"end":439.7},{"sentences":[{"text":"Yep.","start":439.7,"end":440.2,"sentiment":"neutral","sentiment_score":0.13311678171157837},{"text":"Yep.","start":447.30002,"end":447.80002,"sentiment":"neutral","sentiment_score":0.0670768991112709},{"text":"What page was it?","start":457.475,"end":460.35498,"sentiment":"neutral","sentiment_score":0.028784400783479214},{"text":"17.","start":460.35498,"end":460.85498,"sentiment":"neutral","sentiment_score":0.05007338896393776},{"text":"Yep.","start":462.595,"end":462.99,"sentiment":"neutral","sentiment_score":0.10232962667942049}],"sentiment":"neutral","sentiment_score":0.058466787450015545,"num_words":8,"start":439.7,"end":462.99},{"sentences":[{"text":"Post comparison.","start":464.43,"end":465.25,"sentiment":"neutral","sentiment_score":0.10671599209308624},{"text":"Alright.","start":465.31,"end":465.55,"sentiment":"neutral","sentiment_score":0.1010003387928009},{"text":"Yep.","start":465.55,"end":466.05,"sentiment":"neutral","sentiment_score":0.10895174741744997},{"text":"Mhmm.","start":483.465,"end":483.965,"sentiment":"neutral","sentiment_score":0.11371521651744844},{"text":"Yes.","start":507.335,"end":507.835,"sentiment":"neutral","sentiment_score":0.32514482736587524}],"sentiment":"neutral","sentiment_score":0.14370735237995783,"num_words":6,"start":464.43,"end":507.835},{"sentences":[{"text":"That is a lot.","start":509.01498,"end":509.815,"sentiment":"positive","sentiment_score":0.459783099591732},{"text":"Yes.","start":509.815,"end":510.315,"sentiment":"neutral","sentiment_score":0.16269643604755402},{"text":"Mhmm.","start":532.005,"end":532.505,"sentiment":"neutral","sentiment_score":0.03929521888494491},{"text":"Yep.","start":537.125,"end":537.625,"sentiment":"neutral","sentiment_score":0.17808091640472412},{"text":"Mhmm.","start":545.765,"end":546.09,"sentiment":"neutral","sentiment_score":0.27359306812286377}],"sentiment":"neutral","sentiment_score":0.31159975472837687,"num_words":8,"start":509.01498,"end":546.09},{"sentences":[{"text":"No.","start":555.77,"end":556.01,"sentiment":"neutral","sentiment_score":0.006259839981794357},{"text":"I think I've I've I've I'll go back over it in more detail, but it's making sense so far.","start":556.01,"end":560.535,"sentiment":"neutral","sentiment_score":0.03565178279103221},{"text":"Yep.","start":560.535,"end":561.035,"sentiment":"neutral","sentiment_score":0.1318403035402298},{"text":"Yep.","start":566.5425,"end":567.0425,"sentiment":"neutral","sentiment_score":0.1889512538909912},{"text":"Yes.","start":584.87,"end":585.045,"sentiment":"neutral","sentiment_score":0.11181570589542388}],"sentiment":"neutral","sentiment_score":0.048532651145132666,"num_words":23,"start":555.77,"end":585.045},{"sentences":[{"text":"Mhmm.","start":585.045,"end":585.545,"sentiment":"neutral","sentiment_score":0.07548192143440247},{"text":"Yes.","start":595.125,"end":595.625,"sentiment":"neutral","sentiment_score":0.12838178873062134},{"text":"Mhmm.","start":600.245,"end":600.6,"sentiment":"neutral","sentiment_score":0.10067567229270936},{"text":"Yep.","start":608.04,"end":608.54,"sentiment":"neutral","sentiment_score":0.022831683978438377},{"text":"Yep.","start":611.63995,"end":612.13995,"sentiment":"neutral","sentiment_score":0.04637305065989494}],"sentiment":"neutral","sentiment_score":0.0747488234192133,"num_words":5,"start":585.045,"end":612.13995},{"sentences":[{"text":"Okay.","start":623.65497,"end":624.15497,"sentiment":"neutral","sentiment_score":-0.07866740226745605},{"text":"Yep.","start":663.89996,"end":664.215,"sentiment":"neutral","sentiment_score":0.22584816813468933},{"text":"Yep.","start":697.285,"end":697.785,"sentiment":"neutral","sentiment_score":0.17238712310791016},{"text":"Mhmm.","start":702.165,"end":702.665,"sentiment":"neutral","sentiment_score":0.055106550455093384},{"text":"Okay.","start":714.99,"end":715.305,"sentiment":"neutral","sentiment_score":0.04116342216730118}],"sentiment":"neutral","sentiment_score":0.0831675723195076,"num_words":5,"start":623.65497,"end":715.305},{"sentences":[{"text":"Yes.","start":716.105,"end":716.605,"sentiment":"neutral","sentiment_score":0.05573345720767975},{"text":"Mhmm.","start":720.185,"end":720.685,"sentiment":"neutral","sentiment_score":0.06152310222387314},{"text":"Mhmm.","start":739.0,"end":739.335,"sentiment":"neutral","sentiment_score":0.036257337778806686},{"text":"Yep.","start":751.015,"end":751.515,"sentiment":"neutral","sentiment_score":0.10920163989067078},{"text":"Yep.","start":753.495,"end":753.72,"sentiment":"neutral","sentiment_score":0.06998015940189362}],"sentiment":"neutral","sentiment_score":0.06653913930058479,"num_words":5,"start":716.105,"end":753.72},{"sentences":[{"text":"Yeah.","start":753.72,"end":754.22,"sentiment":"neutral","sentiment_score":0.20614680647850037},{"text":"Mhmm.","start":759.7275,"end":760.2275,"sentiment":"neutral","sentiment_score":0.2603903114795685},{"text":"Yes.","start":771.015,"end":771.515,"sentiment":"neutral","sentiment_score":0.24623587727546692},{"text":"Okay.","start":787.03,"end":787.51,"sentiment":"neutral","sentiment_score":0.12181907892227171},{"text":"Yep.","start":787.51,"end":788.01,"sentiment":"neutral","sentiment_score":0.13632075488567352}],"sentiment":"neutral","sentiment_score":0.1941825658082962,"num_words":5,"start":753.72,"end":788.01},{"sentences":[{"text":"Yep.","start":799.28503,"end":799.445,"sentiment":"neutral","sentiment_score":0.16161763668060303},{"text":"Correct.","start":799.445,"end":799.945,"sentiment":"positive","sentiment_score":0.35539549589157104},{"text":"Thank you.","start":800.085,"end":800.825,"sentiment":"positive","sentiment_score":0.6048522889614105},{"text":"Yep.","start":809.54004,"end":810.04004,"sentiment":"neutral","sentiment_score":0.08238188922405243},{"text":"Yes.","start":810.26,"end":810.58,"sentiment":"neutral","sentiment_score":0.11277621984481812}],"sentiment":"neutral","sentiment_score":0.32031263659397763,"num_words":6,"start":799.28503,"end":810.58},{"sentences":[{"text":"I did.","start":810.58,"end":811.24005,"sentiment":"neutral","sentiment_score":0.27306215465068817},{"text":"No.","start":837.01,"end":837.41,"sentiment":"neutral","sentiment_score":-0.11340384185314178},{"text":"I think I can Yep.","start":837.41,"end":839.655,"sentiment":"neutral","sentiment_score":-0.08905413523316383},{"text":"Yep.","start":855.255,"end":855.63,"sentiment":"neutral","sentiment_score":0.0768851563334465},{"text":"Page 20 one.","start":856.11,"end":860.45,"sentiment":"neutral","sentiment_score":0.18068193892637888}],"sentiment":"neutral","sentiment_score":0.05053173036624988,"num_words":12,"start":810.58,"end":860.45},{"sentences":[{"text":"Mhmm.","start":864.59,"end":865.09,"sentiment":"neutral","sentiment_score":0.20471985638141632},{"text":"Yes.","start":873.16504,"end":873.66504,"sentiment":"neutral","sentiment_score":0.2174842655658722},{"text":"Mhmm.","start":884.94,"end":885.44,"sentiment":"neutral","sentiment_score":0.11128469556570052},{"text":"Yep.","start":894.06,"end":894.285,"sentiment":"neutral","sentiment_score":0.06559822708368301},{"text":"Yes.","start":915.35004,"end":915.85004,"sentiment":"neutral","sentiment_score":0.017295125871896744}],"sentiment":"neutral","sentiment_score":0.12327643409371376,"num_words":5,"start":864.59,"end":915.85004},{"sentences":[{"text":"No.","start":916.79004,"end":917.03,"sentiment":"neutral","sentiment_score":-0.0895807296037674},{"text":"I think that makes sense.","start":917.03,"end":918.33,"sentiment":"neutral","sentiment_score":-0.08848050236701965},{"text":"Mhmm.","start":931.7,"end":932.2,"sentiment":"neutral","sentiment_score":0.11184847354888916},{"text":"Yep.","start":947.14,"end":947.415,"sentiment":"neutral","sentiment_score":0.22814695537090304},{"text":"Okay.","start":964.22,"end":964.72,"sentiment":"neutral","sentiment_score":0.23064489662647247}],"sentiment":"neutral","sentiment_score":0.004295231567488779,"num_words":9,"start":916.79004,"end":964.72},{"sentences":[{"text":"Great.","start":967.42,"end":967.92,"sentiment":"positive","sentiment_score":0.6495769023895264},{"text":"Look.","start":975.755,"end":976.235,"sentiment":"neutral","sentiment_score":0.025943076238036156},{"text":"Not not at this stage.","start":976.235,"end":977.435,"sentiment":"neutral","sentiment_score":-0.06807591989636422},{"text":"I may be in touch, but yeah.","start":977.435,"end":979.135,"sentiment":"neutral","sentiment_score":0.0022518307502780643},{"text":"Mhmm.","start":983.755,"end":984.255,"sentiment":"neutral","sentiment_score":0.1761125922203064}],"sentiment":"neutral","sentiment_score":0.035134385774532956,"num_words":15,"start":967.42,"end":984.255},{"sentences":[{"text":"Great.","start":988.53,"end":989.03,"sentiment":"positive","sentiment_score":0.5411306023597717},{"text":"Thank you.","start":994.05005,"end":994.87006,"sentiment":"positive","sentiment_score":0.6615973114967346},{"text":"Great.","start":1003.05695,"end":1003.37695,"sentiment":"positive","sentiment_score":0.7981201410293579},{"text":"Thank you so much, Veronica.","start":1003.37695,"end":1004.837,"sentiment":"positive","sentiment_score":0.6650485038757324},{"text":"Alright.","start":1005.457,"end":1005.957,"sentiment":"neutral","sentiment_score":-0.04802848398685455}],"sentiment":"positive","sentiment_score":0.5939659401774406,"num_words":10,"start":988.53,"end":1005.957},{"sentences":[{"text":"Thanks.","start":1007.69696,"end":1008.19696,"sentiment":"positive","sentiment_score":0.5651530027389526},{"text":"Bye.","start":1008.337,"end":1008.837,"sentiment":"neutral","sentiment_score":0.25874385237693787}],"sentiment":"positive","sentiment_score":0.41194842755794525,"num_words":2,"start":1007.69696,"end":1008.837}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Pippa speaking.\n\nChannel 0: Good afternoon, Pippa. This is Veronica from ICU Financial. How are you this afternoon?\n\nChannel 1: I'm well. Thank you. How are you?\n\nChannel 0: I'm good. Thanks. I just had you booked in for a pretty quick catch up, really, just to go through the recommendation after the reset after last catch up. Is now still a good time for you? Yeah.\n\nPerfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address to me, please? Yep.\n\nPerfect. That's exactly what I have here. And how's your day been so far? Been busy? Oh, yeah.\n\nOh, yeah. That's good. Now I won't keep you for too long, but I have just sent you an email with the SOA to go through quickly. Do you have access to your emails at the moment?\n\nChannel 1: Yep. I do.\n\nChannel 0: Yep. Okay. Perfect.\n\nChannel 1: Give me a\n\nChannel 0: Just\n\nChannel 1: second\n\nChannel 0: let me\n\nChannel 1: and\n\nChannel 0: know.\n\nChannel 1: I'll\n\nChannel 0: Yep.\n\nChannel 1: you're still there?\n\nChannel 0: Yes. Can you hear me? You can hear me okay?\n\nChannel 1: Are you there? Sorry.\n\nChannel 0: Yes. I can hear you. Can you hear me okay?\n\nChannel 1: Yes. I can. Sorry. It's just the speaker dropped when I shifted across to\n\nChannel 0: Yeah. No. That's okay. Just let me know if that one comes through. Sometimes\n\nChannel 1: yep.\n\nChannel 0: it doesn't\n\nChannel 1: Now\n\nChannel 0: up\n\nChannel 1: it's\n\nChannel 0: in the\n\nChannel 1: there.\n\nChannel 0: spam\n\nChannel 1: I can\n\nChannel 0: folder.\n\nChannel 1: see it there.\n\nChannel 0: Great. Now if you can just click on the link for me, it will then allow you to open up the document.\n\nChannel 1: The signed\n\nChannel 0: And\n\nChannel 1: document.\n\nChannel 0: yes. Please. Because it will let you view it first.\n\nChannel 1: Yes.\n\nChannel 0: And then you should see a cover page where it says\n\nChannel 1: Yep.\n\nChannel 0: statement of advice. Can you see that okay?\n\nChannel 1: Yes. I can see that.\n\nChannel 0: Yep. Perfect. So it is pretty straightforward. Today, from our last conversation, just kind of focusing on reviewing your super investments to see if we want to swap out some of those through other ones that's going to do a little bit better today. So it is pretty straightforward.\n\nIt is still quite a long\n\nChannel 1: Mhmm.\n\nChannel 0: document. A lot\n\nChannel 1: It\n\nChannel 0: of\n\nChannel 1: is\n\nChannel 0: it\n\nChannel 1: quite\n\nChannel 0: is\n\nChannel 1: a\n\nChannel 0: for\n\nChannel 1: long document.\n\nChannel 0: no. A lot of it is for compliance to make sure you understand everything because you kind of have gone through this\n\nChannel 1: Yep.\n\nChannel 0: a little bit already. I will kind of skip through some of it and just kind\n\nChannel 1: Mhmm.\n\nChannel 0: of touch on the most important, and then I'll let you have a read over it in\n\nChannel 1: Yep.\n\nChannel 0: your own time. But any questions, just let me know.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Now you will see, obviously, on the cover page that this has been tailored just to you. Now\n\nChannel 1: Yep.\n\nChannel 0: you will see my authorized representative number listed on the on the cover page there, and I am\n\nChannel 1: Mhmm.\n\nChannel 0: licensed under Oku Financial. Now on the second page, you will see the\n\nChannel 1: Yep.\n\nChannel 0: best interest you to outline, which obviously just says that we have to act in your best interest at all time. The advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense?\n\nChannel 1: Mhmm. Yes. It makes sense.\n\nChannel 0: Yeah. Perfect. Now as you scroll through table of contents, pretty self explanatory, you will then see two pages or three pages actually just talking about both of the device.\n\nChannel 1: Yep.\n\nChannel 0: Now, essentially, that is just the areas we are focusing on today. So simply today, what we are looking at is your superannuation just to make sure we can make sure it grows as much as possible so that you can\n\nChannel 1: Yep.\n\nChannel 0: retire comfortably. Other things we're not considering, not making any changes to your insurances. You're quite happy with your IP\n\nChannel 1: Yes.\n\nChannel 0: policy\n\nChannel 1: Mhmm.\n\nChannel 0: and not really making any recommendations on debt or saving for travel. If it is something you do need assistance, leave down the track. Always just let us know, and we can always consider it then. Yep.\n\nChannel 1: Yep. Pampers.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now as you scroll through, sorry,\n\nChannel 1: Mhmm.\n\nChannel 0: seven and eight, just some personal information about you. If you could just have a quick read over that for me\n\nChannel 1: Yep.\n\nChannel 0: just to make sure that's all up to date or if I need to make any changes in the back end.\n\nChannel 1: Yep.\n\nChannel 0: All looks pretty good. Great. Which then takes us to page nine, which just shows you your current superannuation. So\n\nChannel 1: Mhmm.\n\nChannel 0: you have your super in net worth. You have approximately 264,359, and then you do have your Neos income protection listed under there as well. Yep. Perfect. Now on the next two pages, I'll let you have a read over that in your own time.\n\nIf you just highlight that risk profile, So do you remember last time kind of talking about, you know, fluctuations and, you know, how much risk you are comfortable taking in your superannuation? Do you remember that?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Perfect. Now you did come out as a high growth investor. You were quite\n\nChannel 1: Mhmm.\n\nChannel 0: comfortable with it, so not making any changes at all\n\nChannel 1: Yep.\n\nChannel 0: in regards through that. Just literally swapping and changing some of the investments for you. Now if you wanna scroll to page 12 for me,\n\nChannel 1: Yep. The\n\nChannel 0: it's\n\nChannel 1: best\n\nChannel 0: basically\n\nChannel 1: recommendation.\n\nChannel 0: yep. So this basically outlines the recommendation. So I did do a lot of research on your Netwealth as well\n\nChannel 1: Mhmm.\n\nChannel 0: just to see if there were other options out there that was going to be quite competitive to Netwealth just to\n\nChannel 1: Mhmm.\n\nChannel 0: make sure we do have you in the best option. And Netwealth still very much is a very good option for you. That was another one I did consider. It was slightly cheaper in administration fees, similar with investment choices. But because your investments have grown quite a lot, which is great, by making the switch through a new option, you would have to sell down all your investments, which will trigger a capital gains tax of 6,966.\n\nAnd the minimal changes in Admisie just wasn't worth you paying almost 7,000 in tax. Does that make sense?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yes. Perfect. Now this basically puts all of that in words for you. It will outline the advantages in regards to the recommendations. So keeping you in net worth by changing some of the investments.\n\nWhat those changes are, I'll go over with you shortly. You will have some disadvantages and some risks associated as well. So one of the risk is that there's always a level of risk associated with any investment option. That all makes sense so far?\n\nChannel 1: Yes. That makes sense.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So what I'll actually get you to do first, if you wanna scroll down to page 17 for me, it\n\nChannel 1: Yep.\n\nChannel 0: should say the comparison table.\n\nChannel 1: What page was\n\nChannel 0: 17.\n\nChannel 1: it?\n\nChannel 0: And\n\nChannel 1: 17.\n\nChannel 0: it's like a table with some numbers.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Post\n\nChannel 0: This\n\nChannel 1: comparison.\n\nChannel 0: often\n\nChannel 1: Alright. Yep.\n\nChannel 0: yeah, now this often makes it a bit easier to see, which is kind of all the words that I talked about earlier. But, essentially, you can see here your current situation. So you can see your current net worth, what you are paying for in that fees. You can then also see your five year rolling average\n\nChannel 1: Mhmm.\n\nChannel 0: on your current portfolio. So what I have recommended, you can see on the other side, staying within net wealth, but changing some of those investments. And you can actually see that by swapping the investments even though we are keeping you in a high growth portfolio, it's saving you $1,185 a year in investment fees alone,\n\nChannel 1: Yes.\n\nChannel 0: which is pretty big.\n\nChannel 1: That is a lot. Yes.\n\nChannel 0: Yes. Now at the top where it says the difference of the balance of 439, that is the approximate capital gains tax. So by switching some of the investments, there will be some tax within superannuation, and we've managed to get it down to about 439,\n\nChannel 1: Mhmm.\n\nChannel 0: which isn't that much given the investment fee changes alone that you will save.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now you can also see using the same five year rolling average period on the new recommended portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: You can see that it has, you know, historically performed quite a bit better, which is great. Do you have any questions so far?\n\nChannel 1: No. I think I've I've I've I'll go back over it in more detail, but it's making\n\nChannel 0: Yes.\n\nChannel 1: sense so far. Yep.\n\nChannel 0: Yes. Perfect. Now if you scroll down one more page to page 18,\n\nChannel 1: Yep.\n\nChannel 0: it kind of shows you this projected five and ten years so that you can see. Assuming, obviously, kind of contributions, insurances, and stuff stays the same, it will then show you, you know, that it does make quite a big difference by changing some of those investments around for you.\n\nChannel 1: Yes. Mhmm.\n\nChannel 0: And underneath that, you can also see the investment return. So you can see the twelve month, three, and five, outlined. So, again,\n\nChannel 1: Yes.\n\nChannel 0: the new recommended investments have performed better, which is\n\nChannel 1: Mhmm.\n\nChannel 0: correct. But we do wanna look at changing those for you. Now, Pippa, if you can scroll back up for me to page\n\nChannel 1: Yep.\n\nChannel 0: 15.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now this outlines the changes in the investment. So this one can look a bit messy. Essentially, the reds are the ones we are selling.\n\nChannel 1: Okay.\n\nChannel 0: So we are selling some of those investments. Now you can see that we are still even though it says minus 737 in gold, we are still keeping gold at 7%, just rebalancing it. So those are basically just a change in the value. We are completely selling out of the iShares miscue, which is the one, two, three, four down. We are also completely selling out of that Benelon Australian equity.\n\nThat was the one I kind of spoke a little bit about last time that recently has underperformed, so we do wanna swap that one out for you.\n\nChannel 1: Yep.\n\nChannel 0: And, again, Japan, we are keeping that in the portfolio because it's done pretty good, just rebalancing it again for you. So those are kind of the the changes, and then the bottom three is what we are then introducing instead. So instead of the Benelon, we have changed it to the beta shares Australia 200 because we do still wanna give you the Australian equity exposure. So if we take away the Australian equity, we wanna make sure we replace it with another option to make\n\nChannel 1: Yep.\n\nChannel 0: sure that overall your portfolio is well diversified across the globe as well.\n\nChannel 1: Mhmm.\n\nChannel 0: So the BetaShares Australia, 200 at 25%, Basically, just invests in the 200 largest companies listed on the ASX. So in Australia and you'll have all\n\nChannel 1: Okay.\n\nChannel 0: the big companies like,\n\nChannel 1: Yes.\n\nChannel 0: you know, Commonwealth and BHP and Woolworths, for example. So it is\n\nChannel 1: Mhmm.\n\nChannel 0: kind of all those big companies there. And then instead of the whiskey world, so kind of a similar one, we have swapped this for the Vanguard all worlds. You may have heard of Vanguard. They are quite big before, but, essentially, that one is at 8%.\n\nChannel 1: Mhmm.\n\nChannel 0: But sorry. You basically invest in around the globe, but it's excluding The US because we already have that US exposure in the ISF S and P 540.\n\nChannel 1: Yep.\n\nChannel 0: So we don't wanna obviously overdo one area as\n\nChannel 1: Yep.\n\nChannel 0: well.\n\nChannel 1: Yeah.\n\nChannel 0: We wanna make sure it is well rounded. So so, overall, there's no big changes. There's\n\nChannel 1: Mhmm.\n\nChannel 0: just a couple of those investments that we have changed out simply to try and improve the returns and reduce the fees a little bit for you so that when you do retire, it'll put in a little bit better position.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Now in the appendix, which is if you go back out later, I don't have to do it now, you will see a couple of attachments. So you'll have a appendix and some supporting documents. That is basically some research for you if you do wanna read up on it.\n\nChannel 1: Okay.\n\nChannel 0: And in\n\nChannel 1: Yep.\n\nChannel 0: the appendix, there are actually investment links to all of these investments. So if it is that you want to go and have a read over this in a bit more detail as well, you're more than welcome to do so.\n\nChannel 1: Yep. Correct. Thank\n\nChannel 0: Yep.\n\nChannel 1: you.\n\nChannel 0: Perfect. Now on the next page, you will then see the asset allocation table. You're gonna have a little pie chart as well. Can you see that?\n\nChannel 1: Yep. Yes.\n\nChannel 0: Yep.\n\nChannel 1: I did.\n\nChannel 0: Perfect. So you can see here the the second column where it says the risk profile is that ninety ten split, 90 growth, 10 defensive. You have the existing portfolio and then the proposed. And you can see that both existing and the proposed are quite similar in regards through that risk allocation for you. Any questions so far?\n\nChannel 1: No. I think\n\nChannel 0: No.\n\nChannel 1: I can Yep.\n\nChannel 0: Yeah. Mhmm. Perfect. Which almost takes us through the end, actually. And if you then wanna scroll through page 21 for me, I just wanna highlight the remuneration for you once more just to be sure.\n\nChannel 1: Yep. Page 20\n\nChannel 0: Yes. So, obviously, if you are happy\n\nChannel 1: one.\n\nChannel 0: to go ahead with this change when you've had a time to have a read over it, there\n\nChannel 1: Mhmm.\n\nChannel 0: is no additional fees or charges at all to make the change. It is simply just that usual 1.65 ongoing\n\nChannel 1: Yes.\n\nChannel 0: device fee. It's all part of the service. Obviously, all the research and everything is all part of that. So if it is that you do wanna go ahead, no additional fees or charges at all.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now we have this listed underneath that as well, the insurances. So we do get commissions from the insurer,\n\nChannel 1: Yep.\n\nChannel 0: which is 23% of the premium ongoing, but that is me of paying us. It is not you paying us But for compliance purposes and to make sure that you are fully informed of everything, we do have to disclose it so you are aware. But, again, it is not you paying that amount. It is the insurer paying us.\n\nChannel 1: Yes.\n\nChannel 0: Any questions?\n\nChannel 1: No. I think that\n\nChannel 0: No.\n\nChannel 1: makes sense.\n\nChannel 0: Yeah. Perfect. Which essentially just summarizes everything at the end. So it talks about authority to proceed. That is if you are happy to go ahead.\n\nBasically, we are keeping your net wealth and not making any changes\n\nChannel 1: Mhmm.\n\nChannel 0: there. Literally just swapping some of those investments for you. And by going ahead when you've had a time to have a read over it, if you do read over it and you have a couple of more questions, just give me a call or we can always go through it.\n\nChannel 1: Yep.\n\nChannel 0: If you go through it and you don't have any questions and you are happy to to go ahead, then from here would be for you to just sign the document digitally. I will then get notified, and then I can let the team know to go ahead with the change, essentially.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. That was\n\nChannel 1: Great.\n\nChannel 0: essentially everything I had to run through with you today. So pretty straightforward, but do you have any questions for me otherwise at this point?\n\nChannel 1: Look. Not not at this stage. I may\n\nChannel 0: Yep.\n\nChannel 1: be in touch, but yeah.\n\nChannel 0: Yes. That is perfectly fine. Take your time to have a read over it. Like I\n\nChannel 1: Mhmm.\n\nChannel 0: said, you can always give me a call or even just send send us an email if there's any questions,\n\nChannel 1: Great.\n\nChannel 0: and we can always go through anything that way as well. Perfect.\n\nChannel 1: Thank\n\nChannel 0: Well,\n\nChannel 1: you.\n\nChannel 0: thank you so much for your time this afternoon, and I will let you get back to you afternoon. And like I said, any questions, don't hesitate to give me a call.\n\nChannel 1: Great. Thank you so\n\nChannel 0: Mhmm.\n\nChannel 1: much, Veronica.\n\nChannel 0: No no\n\nChannel 1: Alright.\n\nChannel 0: problem at all. We'll speak soon.\n\nChannel 1: Thanks. Bye.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.02411135658621788},{"text":"Pippa speaking.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.0515125747770071}],"sentiment":"neutral","sentiment_score":0.04237883538007736,"channel":1,"num_words":3,"start":0.96,"end":2.26},{"sentences":[{"text":"Good afternoon, Pippa.","start":2.8799999,"end":4.0,"sentiment":"positive","sentiment_score":0.44803446531295776},{"text":"This is Veronica from ICU Financial.","start":4.0,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.323203648130099},{"text":"How are you this afternoon?","start":6.48,"end":7.7,"sentiment":"neutral","sentiment_score":0.3262676000595093}],"sentiment":"positive","sentiment_score":0.35104737750121523,"channel":0,"num_words":14,"start":2.8799999,"end":7.7},{"sentences":[{"text":"I'm well.","start":7.52,"end":8.24,"sentiment":"positive","sentiment_score":0.4353931248188019},{"text":"Thank you.","start":8.24,"end":8.639999,"sentiment":"positive","sentiment_score":0.6153633296489716},{"text":"How are you?","start":8.639999,"end":9.46,"sentiment":"positive","sentiment_score":0.36476083596547443}],"sentiment":"positive","sentiment_score":0.45654220240456717,"channel":1,"num_words":7,"start":7.52,"end":9.46},{"sentences":[{"text":"I'm good.","start":9.679999,"end":10.5,"sentiment":"positive","sentiment_score":0.5479080975055695},{"text":"Thanks.","start":10.559999,"end":11.059999,"sentiment":"positive","sentiment_score":0.641715407371521},{"text":"I just had you booked in for a pretty quick catch up, really, just to go through the recommendation after the reset after last catch up.","start":12.305,"end":20.645,"sentiment":"neutral","sentiment_score":0.3199348237652045},{"text":"Is now still a good time for you?","start":21.185001,"end":23.205,"sentiment":"neutral","sentiment_score":0.322053998708725},{"text":"Yeah.","start":23.744999,"end":24.24,"sentiment":"neutral","sentiment_score":0.1801582872867584}],"sentiment":"positive","sentiment_score":0.3371691394009088,"channel":0,"num_words":38,"start":9.679999,"end":24.24},{"sentences":[{"text":"Perfect.","start":25.279999,"end":25.779999,"sentiment":"neutral","sentiment_score":0.32770979404449463},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?","start":26.08,"end":33.54,"sentiment":"neutral","sentiment_score":0.07435708081927793},{"text":"Perfect.","start":34.96,"end":35.46,"sentiment":"neutral","sentiment_score":0.18548913300037384},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address to me, please?","start":35.6,"end":43.455,"sentiment":"neutral","sentiment_score":0.08185968762980057},{"text":"Yep.","start":50.57,"end":51.07,"sentiment":"neutral","sentiment_score":0.14808793365955353}],"sentiment":"neutral","sentiment_score":0.08527576004893615,"channel":0,"num_words":58,"start":25.279999,"end":51.07},{"sentences":[{"text":"Perfect.","start":51.13,"end":51.530003,"sentiment":"positive","sentiment_score":0.379685640335083},{"text":"That's exactly what I have here.","start":51.530003,"end":53.23,"sentiment":"positive","sentiment_score":0.47447510560353595},{"text":"And how's your day been so far?","start":53.29,"end":55.13,"sentiment":"neutral","sentiment_score":0.12754170383725846},{"text":"Been busy?","start":55.13,"end":55.870003,"sentiment":"neutral","sentiment_score":0.012495524249970913},{"text":"Oh, yeah.","start":59.53,"end":60.27,"sentiment":"neutral","sentiment_score":0.08126590773463249}],"sentiment":"neutral","sentiment_score":0.2392695035992397,"channel":0,"num_words":18,"start":51.13,"end":60.27},{"sentences":[{"text":"Oh, yeah.","start":61.21,"end":61.93,"sentiment":"neutral","sentiment_score":0.15278974920511246},{"text":"That's good.","start":61.93,"end":62.954998,"sentiment":"positive","sentiment_score":0.3757604956626892},{"text":"Now I won't keep you for too long, but I have just sent you an email with the SOA to go through quickly.","start":63.414997,"end":71.595,"sentiment":"neutral","sentiment_score":0.11510252531455911},{"text":"Do you have access to your emails at the moment?","start":72.055,"end":74.314995,"sentiment":"neutral","sentiment_score":0.024218132346868516}],"sentiment":"neutral","sentiment_score":0.10666594311997697,"channel":0,"num_words":37,"start":61.21,"end":74.314995},{"sentences":[{"text":"Yep.","start":76.095,"end":76.495,"sentiment":"neutral","sentiment_score":0.04436866566538811},{"text":"I do.","start":76.495,"end":77.155,"sentiment":"neutral","sentiment_score":0.05975218117237091}],"sentiment":"neutral","sentiment_score":0.05462434267004331,"channel":1,"num_words":3,"start":76.095,"end":77.155},{"sentences":[{"text":"Yep.","start":77.29,"end":77.770004,"sentiment":"neutral","sentiment_score":0.053617559373378754},{"text":"Okay.","start":77.770004,"end":78.090004,"sentiment":"neutral","sentiment_score":0.10257193446159364},{"text":"Perfect.","start":78.090004,"end":78.590004,"sentiment":"neutral","sentiment_score":0.16170287132263184}],"sentiment":"neutral","sentiment_score":0.1059641217192014,"channel":0,"num_words":3,"start":77.29,"end":78.590004},{"sentences":[{"text":"Give me a","start":78.095,"end":78.655,"sentiment":"neutral","sentiment_score":0.061880468080441155}],"sentiment":"neutral","sentiment_score":0.061880468080441155,"channel":1,"num_words":3,"start":78.095,"end":78.655},{"sentences":[{"text":"Just","start":78.65,"end":78.89,"sentiment":"neutral","sentiment_score":0.03607874363660813}],"sentiment":"neutral","sentiment_score":0.03607874363660813,"channel":0,"num_words":1,"start":78.65,"end":78.89},{"sentences":[{"text":"second","start":78.655,"end":79.135,"sentiment":"neutral","sentiment_score":0.05438333749771118}],"sentiment":"neutral","sentiment_score":0.05438333749771118,"channel":1,"num_words":1,"start":78.655,"end":79.135},{"sentences":[{"text":"let me","start":78.89,"end":79.29,"sentiment":"neutral","sentiment_score":0.04585736244916916}],"sentiment":"neutral","sentiment_score":0.04585736244916916,"channel":0,"num_words":2,"start":78.89,"end":79.29},{"sentences":[{"text":"and","start":79.135,"end":79.375,"sentiment":"neutral","sentiment_score":0.03891269862651825}],"sentiment":"neutral","sentiment_score":0.03891269862651825,"channel":1,"num_words":1,"start":79.135,"end":79.375},{"sentences":[{"text":"know.","start":79.29,"end":79.79,"sentiment":"neutral","sentiment_score":0.04209638759493828}],"sentiment":"neutral","sentiment_score":0.04209638759493828,"channel":0,"num_words":1,"start":79.29,"end":79.79},{"sentences":[{"text":"I'll","start":79.375,"end":79.875,"sentiment":"neutral","sentiment_score":0.03444641828536987}],"sentiment":"neutral","sentiment_score":0.03444641828536987,"channel":1,"num_words":1,"start":79.375,"end":79.875},{"sentences":[{"text":"Yep.","start":80.33,"end":80.83,"sentiment":"neutral","sentiment_score":0.017034117132425308}],"sentiment":"neutral","sentiment_score":0.017034117132425308,"channel":0,"num_words":1,"start":80.33,"end":80.83},{"sentences":[{"text":"you're still there?","start":81.775,"end":82.675,"sentiment":"neutral","sentiment_score":-0.000036502412209908165}],"sentiment":"neutral","sentiment_score":-0.000036502412209908165,"channel":1,"num_words":3,"start":81.775,"end":82.675},{"sentences":[{"text":"Yes.","start":82.89,"end":83.29,"sentiment":"neutral","sentiment_score":0.005750017240643501},{"text":"Can you hear me?","start":83.29,"end":84.270004,"sentiment":"neutral","sentiment_score":-0.013158083893358707},{"text":"You can hear me okay?","start":91.865005,"end":93.165,"sentiment":"neutral","sentiment_score":-0.021571086160838603}],"sentiment":"neutral","sentiment_score":-0.015473774913698436,"channel":0,"num_words":10,"start":82.89,"end":93.165},{"sentences":[{"text":"Are you there?","start":108.465,"end":109.024994,"sentiment":"neutral","sentiment_score":-0.021713687106966972},{"text":"Sorry.","start":109.024994,"end":109.524994,"sentiment":"neutral","sentiment_score":-0.03461656719446182}],"sentiment":"neutral","sentiment_score":-0.024939407128840685,"channel":1,"num_words":4,"start":108.465,"end":109.524994},{"sentences":[{"text":"Yes.","start":110.12,"end":110.44,"sentiment":"neutral","sentiment_score":-0.0039415135979652405},{"text":"I can hear you.","start":110.44,"end":111.08,"sentiment":"neutral","sentiment_score":-0.017608536407351494},{"text":"Can you hear me okay?","start":111.08,"end":112.22,"sentiment":"neutral","sentiment_score":-0.01063018161803484}],"sentiment":"neutral","sentiment_score":-0.012752656731754542,"channel":0,"num_words":10,"start":110.12,"end":112.22},{"sentences":[{"text":"Yes.","start":112.064995,"end":112.384995,"sentiment":"neutral","sentiment_score":0.006408416666090488},{"text":"I can.","start":112.384995,"end":112.945,"sentiment":"neutral","sentiment_score":0.00007813563570380211},{"text":"Sorry.","start":112.945,"end":113.345,"sentiment":"neutral","sentiment_score":-0.054089564830064774},{"text":"It's just the speaker dropped when I shifted across to","start":113.345,"end":117.25,"sentiment":"neutral","sentiment_score":-0.06414531506597995}],"sentiment":"neutral","sentiment_score":-0.04921271625374045,"channel":1,"num_words":14,"start":112.064995,"end":117.25},{"sentences":[{"text":"Yeah.","start":117.985,"end":118.305,"sentiment":"neutral","sentiment_score":-0.03416008502244949},{"text":"No.","start":118.305,"end":118.545,"sentiment":"neutral","sentiment_score":-0.06626687943935394},{"text":"That's okay.","start":118.545,"end":119.445,"sentiment":"neutral","sentiment_score":-0.03354943357408047},{"text":"Just let me know if that one comes through.","start":120.465,"end":122.385,"sentiment":"neutral","sentiment_score":-0.021997986154423818},{"text":"Sometimes","start":122.385,"end":122.785,"sentiment":"neutral","sentiment_score":-0.08495597541332245}],"sentiment":"neutral","sentiment_score":-0.03217597731522152,"channel":0,"num_words":14,"start":117.985,"end":122.785},{"sentences":[{"text":"yep.","start":122.75,"end":123.149994,"sentiment":"neutral","sentiment_score":-0.08192706108093262}],"sentiment":"neutral","sentiment_score":-0.08192706108093262,"channel":1,"num_words":1,"start":122.75,"end":123.149994},{"sentences":[{"text":"it doesn't","start":122.785,"end":123.185,"sentiment":"neutral","sentiment_score":-0.09581002593040466}],"sentiment":"neutral","sentiment_score":-0.09581002593040466,"channel":0,"num_words":2,"start":122.785,"end":123.185},{"sentences":[{"text":"Now","start":123.149994,"end":123.31,"sentiment":"neutral","sentiment_score":-0.08834750950336456}],"sentiment":"neutral","sentiment_score":-0.08834750950336456,"channel":1,"num_words":1,"start":123.149994,"end":123.31},{"sentences":[{"text":"up","start":123.185,"end":123.345,"sentiment":"neutral","sentiment_score":-0.0739811435341835}],"sentiment":"neutral","sentiment_score":-0.0739811435341835,"channel":0,"num_words":1,"start":123.185,"end":123.345},{"sentences":[{"text":"it's","start":123.31,"end":123.549995,"sentiment":"neutral","sentiment_score":-0.10169470310211182}],"sentiment":"neutral","sentiment_score":-0.10169470310211182,"channel":1,"num_words":1,"start":123.31,"end":123.549995},{"sentences":[{"text":"in the","start":123.345,"end":123.665,"sentiment":"neutral","sentiment_score":-0.09317782893776894}],"sentiment":"neutral","sentiment_score":-0.09317782893776894,"channel":0,"num_words":2,"start":123.345,"end":123.665},{"sentences":[{"text":"there.","start":123.549995,"end":123.869995,"sentiment":"neutral","sentiment_score":-0.08037014305591583}],"sentiment":"neutral","sentiment_score":-0.08037014305591583,"channel":1,"num_words":1,"start":123.549995,"end":123.869995},{"sentences":[{"text":"spam","start":123.665,"end":123.985,"sentiment":"neutral","sentiment_score":-0.06965096294879913}],"sentiment":"neutral","sentiment_score":-0.06965096294879913,"channel":0,"num_words":1,"start":123.665,"end":123.985},{"sentences":[{"text":"I can","start":123.869995,"end":124.189995,"sentiment":"neutral","sentiment_score":-0.07533414289355278}],"sentiment":"neutral","sentiment_score":-0.07533414289355278,"channel":1,"num_words":2,"start":123.869995,"end":124.189995},{"sentences":[{"text":"folder.","start":123.985,"end":124.485,"sentiment":"neutral","sentiment_score":-0.0757843554019928}],"sentiment":"neutral","sentiment_score":-0.0757843554019928,"channel":0,"num_words":1,"start":123.985,"end":124.485},{"sentences":[{"text":"see it there.","start":124.189995,"end":125.09,"sentiment":"neutral","sentiment_score":-0.03460561235745748}],"sentiment":"neutral","sentiment_score":-0.03460561235745748,"channel":1,"num_words":3,"start":124.189995,"end":125.09},{"sentences":[{"text":"Great.","start":125.78999,"end":126.28999,"sentiment":"neutral","sentiment_score":0.1932077407836914},{"text":"Now if you can just click on the link for me, it will then allow you to open up the document.","start":126.509995,"end":133.65,"sentiment":"neutral","sentiment_score":0.120242188728991}],"sentiment":"neutral","sentiment_score":0.12355880473147739,"channel":0,"num_words":22,"start":125.78999,"end":133.65},{"sentences":[{"text":"The signed","start":133.855,"end":134.415,"sentiment":"neutral","sentiment_score":0.04603689722716808}],"sentiment":"neutral","sentiment_score":0.04603689722716808,"channel":1,"num_words":2,"start":133.855,"end":134.415},{"sentences":[{"text":"And","start":134.34999,"end":134.84999,"sentiment":"neutral","sentiment_score":0.035345178097486496}],"sentiment":"neutral","sentiment_score":0.035345178097486496,"channel":0,"num_words":1,"start":134.34999,"end":134.84999},{"sentences":[{"text":"document.","start":134.415,"end":134.915,"sentiment":"neutral","sentiment_score":0.05825419723987579}],"sentiment":"neutral","sentiment_score":0.05825419723987579,"channel":1,"num_words":1,"start":134.415,"end":134.915},{"sentences":[{"text":"yes.","start":135.39,"end":135.79,"sentiment":"neutral","sentiment_score":0.08072136342525482},{"text":"Please.","start":135.79,"end":136.11,"sentiment":"neutral","sentiment_score":0.08864641189575195},{"text":"Because it will let you view it first.","start":136.11,"end":138.84999,"sentiment":"neutral","sentiment_score":0.08626463357359171}],"sentiment":"neutral","sentiment_score":0.08594848439097405,"channel":0,"num_words":10,"start":135.39,"end":138.84999},{"sentences":[{"text":"Yes.","start":139.055,"end":139.555,"sentiment":"neutral","sentiment_score":0.08041533827781677}],"sentiment":"neutral","sentiment_score":0.08041533827781677,"channel":1,"num_words":1,"start":139.055,"end":139.555},{"sentences":[{"text":"And then you should see a cover page where it says","start":141.065,"end":144.905,"sentiment":"neutral","sentiment_score":0.04866987365213307}],"sentiment":"neutral","sentiment_score":0.04866987365213307,"channel":0,"num_words":11,"start":141.065,"end":144.905},{"sentences":[{"text":"Yep.","start":144.75,"end":145.25,"sentiment":"neutral","sentiment_score":0.02279861643910408}],"sentiment":"neutral","sentiment_score":0.02279861643910408,"channel":1,"num_words":1,"start":144.75,"end":145.25},{"sentences":[{"text":"statement of advice.","start":144.905,"end":146.02501,"sentiment":"neutral","sentiment_score":0.03825898468494415},{"text":"Can you see that okay?","start":146.02501,"end":147.245,"sentiment":"neutral","sentiment_score":0.04036252573132515}],"sentiment":"neutral","sentiment_score":0.039573697838932276,"channel":0,"num_words":8,"start":144.905,"end":147.245},{"sentences":[{"text":"Yes.","start":147.31,"end":147.63,"sentiment":"neutral","sentiment_score":0.04900151491165161},{"text":"I can see that.","start":147.63,"end":148.61,"sentiment":"neutral","sentiment_score":0.03329799510538578}],"sentiment":"neutral","sentiment_score":0.03643869906663895,"channel":1,"num_words":5,"start":147.31,"end":148.61},{"sentences":[{"text":"Yep.","start":148.425,"end":148.925,"sentiment":"neutral","sentiment_score":0.30831509828567505},{"text":"Perfect.","start":149.065,"end":149.565,"sentiment":"positive","sentiment_score":0.7324734926223755},{"text":"So it is pretty straightforward.","start":150.505,"end":152.205,"sentiment":"positive","sentiment_score":0.6024972796440125},{"text":"Today, from our last conversation, just kind of focusing on reviewing your super investments to see if we want to swap out some of those through other ones that's going to do a little bit better today.","start":152.585,"end":164.54999,"sentiment":"neutral","sentiment_score":0.18300355588262146},{"text":"So it is pretty straightforward.","start":164.54999,"end":165.93,"sentiment":"positive","sentiment_score":0.3423746645450592}],"sentiment":"neutral","sentiment_score":0.25584244652062044,"channel":0,"num_words":49,"start":148.425,"end":165.93},{"sentences":[{"text":"It is still quite a long","start":166.815,"end":168.095,"sentiment":"neutral","sentiment_score":-0.025937772045532864}],"sentiment":"neutral","sentiment_score":-0.025937772045532864,"channel":0,"num_words":6,"start":166.815,"end":168.095},{"sentences":[{"text":"Mhmm.","start":168.035,"end":168.535,"sentiment":"neutral","sentiment_score":-0.04257555305957794}],"sentiment":"neutral","sentiment_score":-0.04257555305957794,"channel":1,"num_words":1,"start":168.035,"end":168.535},{"sentences":[{"text":"document.","start":168.095,"end":168.595,"sentiment":"neutral","sentiment_score":-0.07344284653663635},{"text":"A lot","start":168.65501,"end":168.975,"sentiment":"neutral","sentiment_score":-0.046877045184373856}],"sentiment":"neutral","sentiment_score":-0.055732312301794686,"channel":0,"num_words":3,"start":168.095,"end":168.975},{"sentences":[{"text":"It","start":168.835,"end":168.99501,"sentiment":"neutral","sentiment_score":-0.03647755458950997}],"sentiment":"neutral","sentiment_score":-0.03647755458950997,"channel":1,"num_words":1,"start":168.835,"end":168.99501},{"sentences":[{"text":"of","start":168.975,"end":169.13501,"sentiment":"neutral","sentiment_score":-0.053040988743305206}],"sentiment":"neutral","sentiment_score":-0.053040988743305206,"channel":0,"num_words":1,"start":168.975,"end":169.13501},{"sentences":[{"text":"is","start":168.99501,"end":169.235,"sentiment":"neutral","sentiment_score":-0.05363032966852188}],"sentiment":"neutral","sentiment_score":-0.05363032966852188,"channel":1,"num_words":1,"start":168.99501,"end":169.235},{"sentences":[{"text":"it","start":169.13501,"end":169.29501,"sentiment":"neutral","sentiment_score":-0.05201420187950134}],"sentiment":"neutral","sentiment_score":-0.05201420187950134,"channel":0,"num_words":1,"start":169.13501,"end":169.29501},{"sentences":[{"text":"quite","start":169.235,"end":169.475,"sentiment":"neutral","sentiment_score":-0.06040330231189728}],"sentiment":"neutral","sentiment_score":-0.06040330231189728,"channel":1,"num_words":1,"start":169.235,"end":169.475},{"sentences":[{"text":"is","start":169.29501,"end":169.535,"sentiment":"neutral","sentiment_score":-0.053482890129089355}],"sentiment":"neutral","sentiment_score":-0.053482890129089355,"channel":0,"num_words":1,"start":169.29501,"end":169.535},{"sentences":[{"text":"a","start":169.475,"end":169.55501,"sentiment":"neutral","sentiment_score":-0.058019980788230896}],"sentiment":"neutral","sentiment_score":-0.058019980788230896,"channel":1,"num_words":1,"start":169.475,"end":169.55501},{"sentences":[{"text":"for","start":169.535,"end":169.85501,"sentiment":"neutral","sentiment_score":-0.05337560549378395}],"sentiment":"neutral","sentiment_score":-0.05337560549378395,"channel":0,"num_words":1,"start":169.535,"end":169.85501},{"sentences":[{"text":"long document.","start":169.55501,"end":170.29501,"sentiment":"neutral","sentiment_score":-0.062195856124162674}],"sentiment":"neutral","sentiment_score":-0.062195856124162674,"channel":1,"num_words":2,"start":169.55501,"end":170.29501},{"sentences":[{"text":"no.","start":171.29501,"end":171.695,"sentiment":"neutral","sentiment_score":-0.08753477782011032},{"text":"A lot of it is for compliance to make sure you understand everything because you kind of have gone through this","start":171.695,"end":176.835,"sentiment":"neutral","sentiment_score":-0.05159175750755128}],"sentiment":"neutral","sentiment_score":-0.05322553115812215,"channel":0,"num_words":22,"start":171.29501,"end":176.835},{"sentences":[{"text":"Yep.","start":177.12001,"end":177.62001,"sentiment":"neutral","sentiment_score":-0.03209051862359047}],"sentiment":"neutral","sentiment_score":-0.03209051862359047,"channel":1,"num_words":1,"start":177.12001,"end":177.62001},{"sentences":[{"text":"a little bit already.","start":177.29501,"end":178.335,"sentiment":"neutral","sentiment_score":-0.05055193230509758},{"text":"I will kind of skip through some of it and just kind","start":178.335,"end":181.21,"sentiment":"neutral","sentiment_score":0.005356805399060249}],"sentiment":"neutral","sentiment_score":-0.008620379026979208,"channel":0,"num_words":16,"start":177.29501,"end":181.21},{"sentences":[{"text":"Mhmm.","start":181.12001,"end":181.62001,"sentiment":"neutral","sentiment_score":0.019232986494898796}],"sentiment":"neutral","sentiment_score":0.019232986494898796,"channel":1,"num_words":1,"start":181.12001,"end":181.62001},{"sentences":[{"text":"of touch on the most important, and then I'll let you have a read over it in","start":181.21,"end":184.81,"sentiment":"neutral","sentiment_score":0.06549172158188679}],"sentiment":"neutral","sentiment_score":0.06549172158188679,"channel":0,"num_words":17,"start":181.21,"end":184.81},{"sentences":[{"text":"Yep.","start":184.8,"end":185.025,"sentiment":"neutral","sentiment_score":0.050625771284103394}],"sentiment":"neutral","sentiment_score":0.050625771284103394,"channel":1,"num_words":1,"start":184.8,"end":185.025},{"sentences":[{"text":"your own time.","start":184.81,"end":185.45001,"sentiment":"neutral","sentiment_score":0.05897079035639763},{"text":"But any questions, just let me know.","start":185.45001,"end":187.63,"sentiment":"neutral","sentiment_score":0.045357235840388706}],"sentiment":"neutral","sentiment_score":0.04944130219519138,"channel":0,"num_words":10,"start":184.81,"end":187.63},{"sentences":[{"text":"Okay.","start":187.745,"end":188.245,"sentiment":"neutral","sentiment_score":0.23667806386947632}],"sentiment":"neutral","sentiment_score":0.23667806386947632,"channel":1,"num_words":1,"start":187.745,"end":188.245},{"sentences":[{"text":"Perfect.","start":188.81,"end":189.31,"sentiment":"positive","sentiment_score":0.4735594689846039},{"text":"Now you will see, obviously, on the cover page that this has been tailored just to you.","start":189.85,"end":194.50499,"sentiment":"neutral","sentiment_score":0.20211172454497395},{"text":"Now","start":194.805,"end":195.125,"sentiment":"neutral","sentiment_score":0.09935571253299712}],"sentiment":"neutral","sentiment_score":0.21099023677800832,"channel":0,"num_words":19,"start":188.81,"end":195.125},{"sentences":[{"text":"Yep.","start":194.94499,"end":195.44499,"sentiment":"neutral","sentiment_score":0.09950993955135344}],"sentiment":"neutral","sentiment_score":0.09950993955135344,"channel":1,"num_words":1,"start":194.94499,"end":195.44499},{"sentences":[{"text":"you will see my authorized representative number listed on the on the cover page there, and I am","start":195.125,"end":200.00499,"sentiment":"neutral","sentiment_score":0.09702154538697666}],"sentiment":"neutral","sentiment_score":0.09702154538697666,"channel":0,"num_words":18,"start":195.125,"end":200.00499},{"sentences":[{"text":"Mhmm.","start":199.905,"end":200.31,"sentiment":"neutral","sentiment_score":0.07978613674640656}],"sentiment":"neutral","sentiment_score":0.07978613674640656,"channel":1,"num_words":1,"start":199.905,"end":200.31},{"sentences":[{"text":"licensed under Oku Financial.","start":200.00499,"end":201.78499,"sentiment":"neutral","sentiment_score":0.07975952513515949},{"text":"Now on the second page, you will see the","start":203.045,"end":205.845,"sentiment":"neutral","sentiment_score":0.09109498063723247}],"sentiment":"neutral","sentiment_score":0.08760714817505616,"channel":0,"num_words":13,"start":200.00499,"end":205.845},{"sentences":[{"text":"Yep.","start":205.75,"end":206.25,"sentiment":"neutral","sentiment_score":0.11516760289669035}],"sentiment":"neutral","sentiment_score":0.11516760289669035,"channel":1,"num_words":1,"start":205.75,"end":206.25},{"sentences":[{"text":"best interest you to outline, which obviously just says that we have to act in your best interest at all time.","start":205.845,"end":213.20999,"sentiment":"neutral","sentiment_score":0.12399986421778089},{"text":"The advice itself has to put you in a better position as a result of the advice.","start":213.34999,"end":218.40999,"sentiment":"neutral","sentiment_score":0.03518394161673153},{"text":"Otherwise, we can't actually make the recommendation.","start":218.62999,"end":220.81,"sentiment":"neutral","sentiment_score":-0.13926683898483003},{"text":"Does that make sense?","start":221.505,"end":222.485,"sentiment":"neutral","sentiment_score":-0.0013049058616161346}],"sentiment":"neutral","sentiment_score":0.04534768693301142,"channel":0,"num_words":49,"start":205.845,"end":222.485},{"sentences":[{"text":"Mhmm.","start":222.205,"end":222.44499,"sentiment":"neutral","sentiment_score":0.027645066380500793},{"text":"Yes.","start":222.44499,"end":222.765,"sentiment":"neutral","sentiment_score":0.10463044047355652},{"text":"It makes sense.","start":222.765,"end":223.665,"sentiment":"neutral","sentiment_score":0.1263443504770597}],"sentiment":"neutral","sentiment_score":0.10226171165704727,"channel":1,"num_words":5,"start":222.205,"end":223.665},{"sentences":[{"text":"Yeah.","start":223.265,"end":223.765,"sentiment":"neutral","sentiment_score":0.2048850953578949},{"text":"Perfect.","start":224.065,"end":224.565,"sentiment":"positive","sentiment_score":0.35101866722106934},{"text":"Now as you scroll through table of contents, pretty self explanatory, you will then see two pages or three pages actually just talking about both of the device.","start":224.705,"end":234.965,"sentiment":"neutral","sentiment_score":0.11153425595590047}],"sentiment":"neutral","sentiment_score":0.12262876431147257,"channel":0,"num_words":30,"start":223.265,"end":234.965},{"sentences":[{"text":"Yep.","start":235.5,"end":236.0,"sentiment":"neutral","sentiment_score":0.06643690168857574}],"sentiment":"neutral","sentiment_score":0.06643690168857574,"channel":1,"num_words":1,"start":235.5,"end":236.0},{"sentences":[{"text":"Now, essentially, that is just the areas we are focusing on today.","start":235.98001,"end":240.0,"sentiment":"neutral","sentiment_score":0.05814949950824181},{"text":"So simply today, what we are looking at is your superannuation just to make sure we can make sure it grows as much as possible so that you can","start":240.14,"end":248.38,"sentiment":"neutral","sentiment_score":0.15674300234893274}],"sentiment":"neutral","sentiment_score":0.12788636737116954,"channel":0,"num_words":41,"start":235.98001,"end":248.38},{"sentences":[{"text":"Yep.","start":248.075,"end":248.575,"sentiment":"neutral","sentiment_score":0.12680195271968842}],"sentiment":"neutral","sentiment_score":0.12680195271968842,"channel":1,"num_words":1,"start":248.075,"end":248.575},{"sentences":[{"text":"retire comfortably.","start":248.38,"end":249.52,"sentiment":"neutral","sentiment_score":0.10539960116147995},{"text":"Other things we're not considering, not making any changes to your insurances.","start":251.075,"end":255.495,"sentiment":"neutral","sentiment_score":-0.1047076117247343},{"text":"You're quite happy with your IP","start":255.635,"end":257.315,"sentiment":"neutral","sentiment_score":0.18916278829177222}],"sentiment":"neutral","sentiment_score":0.004464229568839073,"channel":0,"num_words":20,"start":248.38,"end":257.315},{"sentences":[{"text":"Yes.","start":257.21,"end":257.71,"sentiment":"neutral","sentiment_score":0.08379632234573364}],"sentiment":"neutral","sentiment_score":0.08379632234573364,"channel":1,"num_words":1,"start":257.21,"end":257.71},{"sentences":[{"text":"policy","start":257.315,"end":257.815,"sentiment":"neutral","sentiment_score":0.0014734640717506409}],"sentiment":"neutral","sentiment_score":0.0014734640717506409,"channel":0,"num_words":1,"start":257.315,"end":257.815},{"sentences":[{"text":"Mhmm.","start":258.25,"end":258.75,"sentiment":"neutral","sentiment_score":-0.046321287751197815}],"sentiment":"neutral","sentiment_score":-0.046321287751197815,"channel":1,"num_words":1,"start":258.25,"end":258.75},{"sentences":[{"text":"and not really making any recommendations on debt or saving for travel.","start":258.915,"end":263.235,"sentiment":"neutral","sentiment_score":-0.18341555446386337},{"text":"If it is something you do need assistance, leave down the track.","start":263.235,"end":266.07,"sentiment":"neutral","sentiment_score":0.00810510036535561},{"text":"Always just let us know, and we can always consider it then.","start":266.15,"end":268.73,"sentiment":"neutral","sentiment_score":0.11452669774492581},{"text":"Yep.","start":269.75,"end":270.25,"sentiment":"neutral","sentiment_score":0.06177174299955368}],"sentiment":"neutral","sentiment_score":-0.018044144141714315,"channel":0,"num_words":37,"start":258.915,"end":270.25},{"sentences":[{"text":"Yep.","start":269.785,"end":269.945,"sentiment":"neutral","sentiment_score":0.06879107654094696},{"text":"Pampers.","start":269.945,"end":270.445,"sentiment":"neutral","sentiment_score":0.21750259399414065}],"sentiment":"neutral","sentiment_score":0.1431468352675438,"channel":1,"num_words":2,"start":269.785,"end":270.445},{"sentences":[{"text":"Perfect.","start":270.31,"end":270.81,"sentiment":"positive","sentiment_score":0.572335958480835}],"sentiment":"positive","sentiment_score":0.572335958480835,"channel":0,"num_words":1,"start":270.31,"end":270.81},{"sentences":[{"text":"Yep.","start":270.665,"end":271.165,"sentiment":"neutral","sentiment_score":0.234173983335495}],"sentiment":"neutral","sentiment_score":0.234173983335495,"channel":1,"num_words":1,"start":270.665,"end":271.165},{"sentences":[{"text":"Now as you scroll through, sorry,","start":271.91,"end":275.77002,"sentiment":"neutral","sentiment_score":0.1129952035844326}],"sentiment":"neutral","sentiment_score":0.1129952035844326,"channel":0,"num_words":6,"start":271.91,"end":275.77002},{"sentences":[{"text":"Mhmm.","start":275.625,"end":276.03,"sentiment":"neutral","sentiment_score":0.05092844367027283}],"sentiment":"neutral","sentiment_score":0.05092844367027283,"channel":1,"num_words":1,"start":275.625,"end":276.03},{"sentences":[{"text":"seven and eight, just some personal information about you.","start":275.83002,"end":280.23,"sentiment":"neutral","sentiment_score":0.0599555480811331},{"text":"If you could just have a quick read over that for me","start":280.23,"end":282.785,"sentiment":"neutral","sentiment_score":0.07059283088892698}],"sentiment":"neutral","sentiment_score":0.06603399539987247,"channel":0,"num_words":21,"start":275.83002,"end":282.785},{"sentences":[{"text":"Yep.","start":282.91,"end":283.41,"sentiment":"neutral","sentiment_score":0.04822338744997978}],"sentiment":"neutral","sentiment_score":0.04822338744997978,"channel":1,"num_words":1,"start":282.91,"end":283.41},{"sentences":[{"text":"just to make sure that's all up to date or if I need to make any changes in the back end.","start":282.92502,"end":287.18503,"sentiment":"neutral","sentiment_score":0.07138713697592418}],"sentiment":"neutral","sentiment_score":0.07138713697592418,"channel":0,"num_words":21,"start":282.92502,"end":287.18503},{"sentences":[{"text":"Yep.","start":289.67502,"end":290.17502,"sentiment":"neutral","sentiment_score":0.29438692331314087}],"sentiment":"neutral","sentiment_score":0.29438692331314087,"channel":1,"num_words":1,"start":289.67502,"end":290.17502},{"sentences":[{"text":"All looks pretty good.","start":290.845,"end":291.98502,"sentiment":"positive","sentiment_score":0.6650395393371582},{"text":"Great.","start":293.725,"end":294.225,"sentiment":"positive","sentiment_score":0.6628751158714294},{"text":"Which then takes us to page nine, which just shows you your current superannuation.","start":295.22,"end":299.64,"sentiment":"neutral","sentiment_score":0.18110345197575434},{"text":"So","start":300.66,"end":300.82,"sentiment":"neutral","sentiment_score":0.08580867946147919}],"sentiment":"neutral","sentiment_score":0.2972145140171051,"channel":0,"num_words":20,"start":290.845,"end":300.82},{"sentences":[{"text":"Mhmm.","start":300.795,"end":301.05,"sentiment":"neutral","sentiment_score":0.06759976595640182}],"sentiment":"neutral","sentiment_score":0.06759976595640182,"channel":1,"num_words":1,"start":300.795,"end":301.05},{"sentences":[{"text":"you have your super in net worth.","start":300.82,"end":302.84,"sentiment":"neutral","sentiment_score":0.08520689234137535},{"text":"You have approximately 264,359, and then you do have your Neos income protection listed under there as well.","start":302.98,"end":312.165,"sentiment":"neutral","sentiment_score":0.09905426907870504},{"text":"Yep.","start":313.105,"end":313.605,"sentiment":"neutral","sentiment_score":0.13214632868766785},{"text":"Perfect.","start":313.825,"end":314.325,"sentiment":"neutral","sentiment_score":0.3022907078266144},{"text":"Now on the next two pages, I'll let you have a read over that in your own time.","start":314.865,"end":320.065,"sentiment":"neutral","sentiment_score":0.08307474955088562}],"sentiment":"neutral","sentiment_score":0.09576016929414537,"channel":0,"num_words":45,"start":300.82,"end":320.065},{"sentences":[{"text":"If you just highlight that risk profile, So do you remember last time kind of talking about, you know, fluctuations and, you know, how much risk you are comfortable taking in your superannuation?","start":320.065,"end":330.47,"sentiment":"neutral","sentiment_score":0.01506362296640873},{"text":"Do you remember that?","start":331.40997,"end":332.55,"sentiment":"neutral","sentiment_score":0.0076033142395317554}],"sentiment":"neutral","sentiment_score":0.01425710310404365,"channel":0,"num_words":37,"start":320.065,"end":332.55},{"sentences":[{"text":"Yep.","start":332.59998,"end":333.09998,"sentiment":"neutral","sentiment_score":0.04811229556798935}],"sentiment":"neutral","sentiment_score":0.04811229556798935,"channel":1,"num_words":1,"start":332.59998,"end":333.09998},{"sentences":[{"text":"Yes.","start":333.49,"end":333.81,"sentiment":"neutral","sentiment_score":0.13807527720928192},{"text":"Perfect.","start":333.81,"end":334.31,"sentiment":"positive","sentiment_score":0.39261364936828613},{"text":"Now you did come out as a high growth investor.","start":334.61,"end":336.735,"sentiment":"neutral","sentiment_score":0.28840231597423555},{"text":"You were quite","start":336.735,"end":337.375,"sentiment":"neutral","sentiment_score":0.2714576721191406}],"sentiment":"neutral","sentiment_score":0.2819390068451563,"channel":0,"num_words":15,"start":333.49,"end":337.375},{"sentences":[{"text":"Mhmm.","start":337.24,"end":337.74,"sentiment":"neutral","sentiment_score":0.2591080665588379}],"sentiment":"neutral","sentiment_score":0.2591080665588379,"channel":1,"num_words":1,"start":337.24,"end":337.74},{"sentences":[{"text":"comfortable with it, so not making any changes at all","start":337.375,"end":340.675,"sentiment":"neutral","sentiment_score":0.1746087521314621}],"sentiment":"neutral","sentiment_score":0.1746087521314621,"channel":0,"num_words":10,"start":337.375,"end":340.675},{"sentences":[{"text":"Yep.","start":340.75998,"end":341.055,"sentiment":"neutral","sentiment_score":0.0886462926864624}],"sentiment":"neutral","sentiment_score":0.0886462926864624,"channel":1,"num_words":1,"start":340.75998,"end":341.055},{"sentences":[{"text":"in regards through that.","start":340.81497,"end":342.01498,"sentiment":"neutral","sentiment_score":0.13106882572174072},{"text":"Just literally swapping and changing some of the investments for you.","start":342.01498,"end":345.715,"sentiment":"neutral","sentiment_score":0.15425225719809532},{"text":"Now if you wanna scroll to page 12 for me,","start":348.25497,"end":352.275,"sentiment":"neutral","sentiment_score":0.057798005640506744}],"sentiment":"neutral","sentiment_score":0.11196120753884316,"channel":0,"num_words":25,"start":340.81497,"end":352.275},{"sentences":[{"text":"Yep.","start":351.935,"end":352.435,"sentiment":"neutral","sentiment_score":0.056843437254428864},{"text":"The","start":352.57498,"end":352.735,"sentiment":"neutral","sentiment_score":0.06211034208536148}],"sentiment":"neutral","sentiment_score":0.05947688966989517,"channel":1,"num_words":2,"start":351.935,"end":352.735},{"sentences":[{"text":"it's","start":352.63,"end":352.87,"sentiment":"neutral","sentiment_score":0.06442989408969879}],"sentiment":"neutral","sentiment_score":0.06442989408969879,"channel":0,"num_words":1,"start":352.63,"end":352.87},{"sentences":[{"text":"best","start":352.735,"end":352.975,"sentiment":"neutral","sentiment_score":0.08561378717422485}],"sentiment":"neutral","sentiment_score":0.08561378717422485,"channel":1,"num_words":1,"start":352.735,"end":352.975},{"sentences":[{"text":"basically","start":352.87,"end":353.37,"sentiment":"neutral","sentiment_score":0.08984661102294922}],"sentiment":"neutral","sentiment_score":0.08984661102294922,"channel":0,"num_words":1,"start":352.87,"end":353.37},{"sentences":[{"text":"recommendation.","start":352.975,"end":353.475,"sentiment":"neutral","sentiment_score":0.09406216442584991}],"sentiment":"neutral","sentiment_score":0.09406216442584991,"channel":1,"num_words":1,"start":352.975,"end":353.475},{"sentences":[{"text":"yep.","start":354.39,"end":354.79,"sentiment":"neutral","sentiment_score":0.058565665036439896},{"text":"So this basically outlines the recommendation.","start":354.79,"end":357.13,"sentiment":"neutral","sentiment_score":0.08854717140396436},{"text":"So I did do a lot of research on your Netwealth as well","start":357.59,"end":360.89,"sentiment":"neutral","sentiment_score":0.12479098685658895}],"sentiment":"neutral","sentiment_score":0.11060657612979412,"channel":0,"num_words":20,"start":354.39,"end":360.89},{"sentences":[{"text":"Mhmm.","start":361.29,"end":361.79,"sentiment":"neutral","sentiment_score":0.08643552660942078}],"sentiment":"neutral","sentiment_score":0.08643552660942078,"channel":1,"num_words":1,"start":361.29,"end":361.79},{"sentences":[{"text":"just to see if there were other options out there that was going to be quite competitive to Netwealth just to","start":361.59,"end":368.275,"sentiment":"neutral","sentiment_score":0.1306899275098528}],"sentiment":"neutral","sentiment_score":0.1306899275098528,"channel":0,"num_words":21,"start":361.59,"end":368.275},{"sentences":[{"text":"Mhmm.","start":368.16998,"end":368.66998,"sentiment":"neutral","sentiment_score":0.1373240351676941}],"sentiment":"neutral","sentiment_score":0.1373240351676941,"channel":1,"num_words":1,"start":368.16998,"end":368.66998},{"sentences":[{"text":"make sure we do have you in the best option.","start":368.275,"end":370.135,"sentiment":"neutral","sentiment_score":0.25819351375102995},{"text":"And Netwealth still very much is a very good option for you.","start":370.915,"end":374.755,"sentiment":"positive","sentiment_score":0.498646321396033},{"text":"That was another one I did consider.","start":374.755,"end":377.015,"sentiment":"neutral","sentiment_score":0.2704941715512957},{"text":"It was slightly cheaper in administration fees, similar with investment choices.","start":377.715,"end":383.50998,"sentiment":"neutral","sentiment_score":0.2579489048909057},{"text":"But because your investments have grown quite a lot, which is great, by making the switch through a new option, you would have to sell down all your investments, which will trigger a capital gains tax of 6,966.","start":384.05,"end":400.505,"sentiment":"neutral","sentiment_score":-0.016840680992524875}],"sentiment":"neutral","sentiment_score":0.16226464450263825,"channel":0,"num_words":78,"start":368.275,"end":400.505},{"sentences":[{"text":"And the minimal changes in Admisie just wasn't worth you paying almost 7,000 in tax.","start":400.505,"end":405.32498,"sentiment":"neutral","sentiment_score":-0.2798184146483739},{"text":"Does that make sense?","start":406.345,"end":407.485,"sentiment":"neutral","sentiment_score":0.004012059420347214}],"sentiment":"neutral","sentiment_score":-0.22006463063390633,"channel":0,"num_words":19,"start":400.505,"end":407.485},{"sentences":[{"text":"Yes.","start":407.435,"end":407.835,"sentiment":"neutral","sentiment_score":0.09673060476779938},{"text":"Yes.","start":407.835,"end":408.335,"sentiment":"neutral","sentiment_score":0.1217227429151535}],"sentiment":"neutral","sentiment_score":0.10922667384147644,"channel":1,"num_words":2,"start":407.435,"end":408.335},{"sentences":[{"text":"Yes.","start":408.345,"end":408.845,"sentiment":"neutral","sentiment_score":0.21894213557243347},{"text":"Perfect.","start":408.905,"end":409.405,"sentiment":"positive","sentiment_score":0.5954903960227966},{"text":"Now this basically puts all of that in words for you.","start":409.865,"end":413.63,"sentiment":"neutral","sentiment_score":0.328782471743497},{"text":"It will outline the advantages in regards to the recommendations.","start":413.63,"end":416.93,"sentiment":"positive","sentiment_score":0.4066374272108078},{"text":"So keeping you in net worth by changing some of the investments.","start":417.15,"end":420.85,"sentiment":"neutral","sentiment_score":0.23244755528867245}],"sentiment":"neutral","sentiment_score":0.3224795616098813,"channel":0,"num_words":35,"start":408.345,"end":420.85},{"sentences":[{"text":"What those changes are, I'll go over with you shortly.","start":421.31,"end":424.45,"sentiment":"neutral","sentiment_score":0.0836474820971489},{"text":"You will have some disadvantages and some risks associated as well.","start":424.99002,"end":430.115,"sentiment":"neutral","sentiment_score":-0.18516594036058945},{"text":"So one of the risk is that there's always a level of risk associated with any investment option.","start":430.115,"end":435.335,"sentiment":"neutral","sentiment_score":-0.1632428645259804},{"text":"That all makes sense so far?","start":437.475,"end":438.935,"sentiment":"neutral","sentiment_score":-0.009796465747058392}],"sentiment":"neutral","sentiment_score":-0.09327779730988874,"channel":0,"num_words":45,"start":421.31,"end":438.935},{"sentences":[{"text":"Yes.","start":438.66,"end":438.90002,"sentiment":"neutral","sentiment_score":0.08208353817462921},{"text":"That makes sense.","start":438.90002,"end":439.7,"sentiment":"neutral","sentiment_score":0.08631870895624161}],"sentiment":"neutral","sentiment_score":0.08525991626083851,"channel":1,"num_words":4,"start":438.66,"end":439.7},{"sentences":[{"text":"Yes.","start":439.475,"end":439.975,"sentiment":"neutral","sentiment_score":0.08334610611200333}],"sentiment":"neutral","sentiment_score":0.08334610611200333,"channel":0,"num_words":1,"start":439.475,"end":439.975},{"sentences":[{"text":"Yep.","start":439.7,"end":440.2,"sentiment":"neutral","sentiment_score":0.13311678171157837}],"sentiment":"neutral","sentiment_score":0.13311678171157837,"channel":1,"num_words":1,"start":439.7,"end":440.2},{"sentences":[{"text":"Perfect.","start":440.34,"end":440.84,"sentiment":"neutral","sentiment_score":0.29160618782043457},{"text":"So what I'll actually get you to do first, if you wanna scroll down to page 17 for me, it","start":441.06,"end":447.54,"sentiment":"neutral","sentiment_score":0.11534717492759228}],"sentiment":"neutral","sentiment_score":0.12374046125582286,"channel":0,"num_words":21,"start":440.34,"end":447.54},{"sentences":[{"text":"Yep.","start":447.30002,"end":447.80002,"sentiment":"neutral","sentiment_score":0.0670768991112709}],"sentiment":"neutral","sentiment_score":0.0670768991112709,"channel":1,"num_words":1,"start":447.30002,"end":447.80002},{"sentences":[{"text":"should say the comparison table.","start":447.54,"end":450.28,"sentiment":"neutral","sentiment_score":0.063383799046278}],"sentiment":"neutral","sentiment_score":0.063383799046278,"channel":0,"num_words":5,"start":447.54,"end":450.28},{"sentences":[{"text":"What page was","start":457.475,"end":458.615,"sentiment":"neutral","sentiment_score":0.029622069249550503}],"sentiment":"neutral","sentiment_score":0.029622069249550503,"channel":1,"num_words":3,"start":457.475,"end":458.615},{"sentences":[{"text":"17.","start":459.07498,"end":459.57498,"sentiment":"neutral","sentiment_score":0.04262880235910416}],"sentiment":"neutral","sentiment_score":0.04262880235910416,"channel":0,"num_words":1,"start":459.07498,"end":459.57498},{"sentences":[{"text":"it?","start":459.955,"end":460.35498,"sentiment":"neutral","sentiment_score":0.02627139538526535}],"sentiment":"neutral","sentiment_score":0.02627139538526535,"channel":1,"num_words":1,"start":459.955,"end":460.35498},{"sentences":[{"text":"And","start":460.275,"end":460.51498,"sentiment":"neutral","sentiment_score":0.032386280596256256}],"sentiment":"neutral","sentiment_score":0.032386280596256256,"channel":0,"num_words":1,"start":460.275,"end":460.51498},{"sentences":[{"text":"17.","start":460.35498,"end":460.85498,"sentiment":"neutral","sentiment_score":0.05007338896393776}],"sentiment":"neutral","sentiment_score":0.05007338896393776,"channel":1,"num_words":1,"start":460.35498,"end":460.85498},{"sentences":[{"text":"it's like a table with some numbers.","start":460.51498,"end":462.615,"sentiment":"neutral","sentiment_score":0.055229353585413525}],"sentiment":"neutral","sentiment_score":0.055229353585413525,"channel":0,"num_words":7,"start":460.51498,"end":462.615},{"sentences":[{"text":"Yep.","start":462.595,"end":462.99,"sentiment":"neutral","sentiment_score":0.10232962667942049}],"sentiment":"neutral","sentiment_score":0.10232962667942049,"channel":1,"num_words":1,"start":462.595,"end":462.99},{"sentences":[{"text":"Perfect.","start":464.035,"end":464.535,"sentiment":"neutral","sentiment_score":0.2501683533191681}],"sentiment":"neutral","sentiment_score":0.2501683533191681,"channel":0,"num_words":1,"start":464.035,"end":464.535},{"sentences":[{"text":"Post","start":464.43,"end":464.75,"sentiment":"neutral","sentiment_score":0.0925978273153305}],"sentiment":"neutral","sentiment_score":0.0925978273153305,"channel":1,"num_words":1,"start":464.43,"end":464.75},{"sentences":[{"text":"This","start":464.675,"end":464.91498,"sentiment":"neutral","sentiment_score":0.0803443193435669}],"sentiment":"neutral","sentiment_score":0.0803443193435669,"channel":0,"num_words":1,"start":464.675,"end":464.91498},{"sentences":[{"text":"comparison.","start":464.75,"end":465.25,"sentiment":"neutral","sentiment_score":0.12083415687084198}],"sentiment":"neutral","sentiment_score":0.12083415687084198,"channel":1,"num_words":1,"start":464.75,"end":465.25},{"sentences":[{"text":"often","start":464.91498,"end":465.41498,"sentiment":"neutral","sentiment_score":0.08252718299627304}],"sentiment":"neutral","sentiment_score":0.08252718299627304,"channel":0,"num_words":1,"start":464.91498,"end":465.41498},{"sentences":[{"text":"Alright.","start":465.31,"end":465.55,"sentiment":"neutral","sentiment_score":0.1010003387928009},{"text":"Yep.","start":465.55,"end":466.05,"sentiment":"neutral","sentiment_score":0.10895174741744997}],"sentiment":"neutral","sentiment_score":0.10497604310512543,"channel":1,"num_words":2,"start":465.31,"end":466.05},{"sentences":[{"text":"yeah, now this often makes it a bit easier to see, which is kind of all the words that I talked about earlier.","start":466.18002,"end":471.56,"sentiment":"neutral","sentiment_score":0.18665607273578644},{"text":"But, essentially, you can see here your current situation.","start":471.78,"end":475.0,"sentiment":"neutral","sentiment_score":0.13879084669881397},{"text":"So you can see your current net worth, what you are paying for in that fees.","start":475.22,"end":479.64,"sentiment":"neutral","sentiment_score":0.17090793000534177},{"text":"You can then also see your five year rolling average","start":480.135,"end":483.915,"sentiment":"neutral","sentiment_score":0.17368534952402115}],"sentiment":"neutral","sentiment_score":0.1726480632506568,"channel":0,"num_words":58,"start":466.18002,"end":483.915},{"sentences":[{"text":"Mhmm.","start":483.465,"end":483.965,"sentiment":"neutral","sentiment_score":0.11371521651744844}],"sentiment":"neutral","sentiment_score":0.11371521651744844,"channel":1,"num_words":1,"start":483.465,"end":483.965},{"sentences":[{"text":"on your current portfolio.","start":484.455,"end":485.835,"sentiment":"neutral","sentiment_score":0.11529549956321716},{"text":"So what I have recommended, you can see on the other side, staying within net wealth, but changing some of those investments.","start":486.695,"end":493.595,"sentiment":"neutral","sentiment_score":0.24953635849735953},{"text":"And you can actually see that by swapping the investments even though we are keeping you in a high growth portfolio, it's saving you $1,185 a year in investment fees alone,","start":494.65,"end":507.47,"sentiment":"positive","sentiment_score":0.4046530675503515}],"sentiment":"neutral","sentiment_score":0.32447766630273117,"channel":0,"num_words":57,"start":484.455,"end":507.47},{"sentences":[{"text":"Yes.","start":507.335,"end":507.835,"sentiment":"neutral","sentiment_score":0.32514482736587524}],"sentiment":"neutral","sentiment_score":0.32514482736587524,"channel":1,"num_words":1,"start":507.335,"end":507.835},{"sentences":[{"text":"which is pretty big.","start":507.78497,"end":508.925,"sentiment":"positive","sentiment_score":0.38744547218084335}],"sentiment":"positive","sentiment_score":0.38744547218084335,"channel":0,"num_words":4,"start":507.78497,"end":508.925},{"sentences":[{"text":"That is a lot.","start":509.01498,"end":509.815,"sentiment":"positive","sentiment_score":0.459783099591732},{"text":"Yes.","start":509.815,"end":510.315,"sentiment":"neutral","sentiment_score":0.16269643604755402}],"sentiment":"positive","sentiment_score":0.40036576688289643,"channel":1,"num_words":5,"start":509.01498,"end":510.315},{"sentences":[{"text":"Yes.","start":510.26498,"end":510.76498,"sentiment":"neutral","sentiment_score":0.10638250410556792},{"text":"Now at the top where it says the difference of the balance of 439, that is the approximate capital gains tax.","start":511.78497,"end":520.605,"sentiment":"neutral","sentiment_score":0.02421753862429233},{"text":"So by switching some of the investments, there will be some tax within superannuation, and we've managed to get it down to about 439,","start":521.0,"end":531.66,"sentiment":"neutral","sentiment_score":0.11961175206427772}],"sentiment":"neutral","sentiment_score":0.07577462749474723,"channel":0,"num_words":46,"start":510.26498,"end":531.66},{"sentences":[{"text":"Mhmm.","start":532.005,"end":532.505,"sentiment":"neutral","sentiment_score":0.03929521888494491}],"sentiment":"neutral","sentiment_score":0.03929521888494491,"channel":1,"num_words":1,"start":532.005,"end":532.505},{"sentences":[{"text":"which isn't that much given the investment fee changes alone that you will save.","start":532.04,"end":536.655,"sentiment":"neutral","sentiment_score":0.02410806662270001}],"sentiment":"neutral","sentiment_score":0.02410806662270001,"channel":0,"num_words":14,"start":532.04,"end":536.655},{"sentences":[{"text":"Yep.","start":537.125,"end":537.625,"sentiment":"neutral","sentiment_score":0.17808091640472412}],"sentiment":"neutral","sentiment_score":0.17808091640472412,"channel":1,"num_words":1,"start":537.125,"end":537.625},{"sentences":[{"text":"Yep.","start":537.85504,"end":538.35504,"sentiment":"neutral","sentiment_score":0.20013010501861572},{"text":"Now you can also see using the same five year rolling average period on the new recommended portfolio.","start":538.97504,"end":545.23505,"sentiment":"neutral","sentiment_score":0.28453514476617175}],"sentiment":"neutral","sentiment_score":0.2800927742531425,"channel":0,"num_words":19,"start":537.85504,"end":545.23505},{"sentences":[{"text":"Mhmm.","start":545.765,"end":546.09,"sentiment":"neutral","sentiment_score":0.27359306812286377}],"sentiment":"neutral","sentiment_score":0.27359306812286377,"channel":1,"num_words":1,"start":545.765,"end":546.09},{"sentences":[{"text":"You can see that it has, you know, historically performed quite a bit better, which is great.","start":545.85504,"end":551.23505,"sentiment":"positive","sentiment_score":0.5871909909388598},{"text":"Do you have any questions so far?","start":553.2,"end":555.14,"sentiment":"neutral","sentiment_score":0.23517124780586787}],"sentiment":"positive","sentiment_score":0.48451856585840386,"channel":0,"num_words":24,"start":545.85504,"end":555.14},{"sentences":[{"text":"No.","start":555.77,"end":556.01,"sentiment":"neutral","sentiment_score":0.006259839981794357},{"text":"I think I've I've I've I'll go back over it in more detail, but it's making","start":556.01,"end":559.77,"sentiment":"neutral","sentiment_score":0.021065088651084807}],"sentiment":"neutral","sentiment_score":0.02019419167053831,"channel":1,"num_words":17,"start":555.77,"end":559.77},{"sentences":[{"text":"Yes.","start":559.60004,"end":560.10004,"sentiment":"neutral","sentiment_score":0.0804668664932251}],"sentiment":"neutral","sentiment_score":0.0804668664932251,"channel":0,"num_words":1,"start":559.60004,"end":560.10004},{"sentences":[{"text":"sense so far.","start":559.77,"end":560.535,"sentiment":"neutral","sentiment_score":0.1134474848707517},{"text":"Yep.","start":560.535,"end":561.035,"sentiment":"neutral","sentiment_score":0.1318403035402298}],"sentiment":"neutral","sentiment_score":0.11804568953812122,"channel":1,"num_words":4,"start":559.77,"end":561.035},{"sentences":[{"text":"Yes.","start":560.96,"end":561.46,"sentiment":"neutral","sentiment_score":0.22770054638385773},{"text":"Perfect.","start":562.0,"end":562.48004,"sentiment":"positive","sentiment_score":0.499009370803833},{"text":"Now if you scroll down one more page to page 18,","start":562.48004,"end":565.78,"sentiment":"neutral","sentiment_score":0.2209062400189313}],"sentiment":"neutral","sentiment_score":0.242821427491995,"channel":0,"num_words":13,"start":560.96,"end":565.78},{"sentences":[{"text":"Yep.","start":566.5425,"end":567.0425,"sentiment":"neutral","sentiment_score":0.1889512538909912}],"sentiment":"neutral","sentiment_score":0.1889512538909912,"channel":1,"num_words":1,"start":566.5425,"end":567.0425},{"sentences":[{"text":"it kind of shows you this projected five and ten years so that you can see.","start":567.10504,"end":571.765,"sentiment":"neutral","sentiment_score":0.2251807814463973},{"text":"Assuming, obviously, kind of contributions, insurances, and stuff stays the same, it will then show you, you know, that it does make quite a big difference by changing some of those investments around for you.","start":572.54504,"end":584.93,"sentiment":"neutral","sentiment_score":0.2893006037388529}],"sentiment":"neutral","sentiment_score":0.26918458105886683,"channel":0,"num_words":51,"start":567.10504,"end":584.93},{"sentences":[{"text":"Yes.","start":584.87,"end":585.045,"sentiment":"neutral","sentiment_score":0.11181570589542388},{"text":"Mhmm.","start":585.045,"end":585.545,"sentiment":"neutral","sentiment_score":0.07548192143440247}],"sentiment":"neutral","sentiment_score":0.09364881366491318,"channel":1,"num_words":2,"start":584.87,"end":585.545},{"sentences":[{"text":"And underneath that, you can also see the investment return.","start":586.02997,"end":589.94995,"sentiment":"neutral","sentiment_score":0.06996833179146052},{"text":"So you can see the twelve month, three, and five, outlined.","start":589.94995,"end":594.50995,"sentiment":"neutral","sentiment_score":0.07044866206971082},{"text":"So, again,","start":594.50995,"end":595.14996,"sentiment":"neutral","sentiment_score":0.057546406984329224}],"sentiment":"neutral","sentiment_score":0.06911788759348185,"channel":0,"num_words":23,"start":586.02997,"end":595.14996},{"sentences":[{"text":"Yes.","start":595.125,"end":595.625,"sentiment":"neutral","sentiment_score":0.12838178873062134}],"sentiment":"neutral","sentiment_score":0.12838178873062134,"channel":1,"num_words":1,"start":595.125,"end":595.625},{"sentences":[{"text":"the new recommended investments have performed better, which is","start":595.14996,"end":600.415,"sentiment":"neutral","sentiment_score":0.17082051353322136}],"sentiment":"neutral","sentiment_score":0.17082051353322136,"channel":0,"num_words":9,"start":595.14996,"end":600.415},{"sentences":[{"text":"Mhmm.","start":600.245,"end":600.6,"sentiment":"neutral","sentiment_score":0.10067567229270936}],"sentiment":"neutral","sentiment_score":0.10067567229270936,"channel":1,"num_words":1,"start":600.245,"end":600.6},{"sentences":[{"text":"correct.","start":600.415,"end":600.655,"sentiment":"neutral","sentiment_score":0.0976381003856659},{"text":"But we do wanna look at changing those for you.","start":600.655,"end":603.635,"sentiment":"neutral","sentiment_score":0.060210733115673064},{"text":"Now, Pippa, if you can scroll back up for me to page","start":604.895,"end":608.195,"sentiment":"neutral","sentiment_score":0.0310478238388896}],"sentiment":"neutral","sentiment_score":0.04662257902648138,"channel":0,"num_words":23,"start":600.415,"end":608.195},{"sentences":[{"text":"Yep.","start":608.04,"end":608.54,"sentiment":"neutral","sentiment_score":0.022831683978438377}],"sentiment":"neutral","sentiment_score":0.022831683978438377,"channel":1,"num_words":1,"start":608.04,"end":608.54},{"sentences":[{"text":"15.","start":609.055,"end":609.555,"sentiment":"neutral","sentiment_score":0.03277270495891571}],"sentiment":"neutral","sentiment_score":0.03277270495891571,"channel":0,"num_words":1,"start":609.055,"end":609.555},{"sentences":[{"text":"Yep.","start":611.63995,"end":612.13995,"sentiment":"neutral","sentiment_score":0.04637305065989494}],"sentiment":"neutral","sentiment_score":0.04637305065989494,"channel":1,"num_words":1,"start":611.63995,"end":612.13995},{"sentences":[{"text":"Yeah.","start":612.45,"end":612.76996,"sentiment":"neutral","sentiment_score":0.11359388381242752},{"text":"Perfect.","start":612.76996,"end":613.25,"sentiment":"neutral","sentiment_score":0.2303173691034317},{"text":"Now this outlines the changes in the investment.","start":613.25,"end":616.05,"sentiment":"neutral","sentiment_score":0.02371742995455861},{"text":"So this one can look a bit messy.","start":616.05,"end":618.39,"sentiment":"neutral","sentiment_score":-0.12270895764231682},{"text":"Essentially, the reds are the ones we are selling.","start":619.97,"end":623.02997,"sentiment":"neutral","sentiment_score":-0.1404222705298}],"sentiment":"neutral","sentiment_score":-0.06340079271682987,"channel":0,"num_words":27,"start":612.45,"end":623.02997},{"sentences":[{"text":"Okay.","start":623.65497,"end":624.15497,"sentiment":"neutral","sentiment_score":-0.07866740226745605}],"sentiment":"neutral","sentiment_score":-0.07866740226745605,"channel":1,"num_words":1,"start":623.65497,"end":624.15497},{"sentences":[{"text":"So we are selling some of those investments.","start":624.795,"end":627.375,"sentiment":"neutral","sentiment_score":-0.08992719789966941},{"text":"Now you can see that we are still even though it says minus 737 in gold, we are still keeping gold at 7%, just rebalancing it.","start":627.435,"end":638.06,"sentiment":"neutral","sentiment_score":-0.08720660195327722},{"text":"So those are basically just a change in the value.","start":638.06,"end":641.04,"sentiment":"neutral","sentiment_score":-0.12122843265533448},{"text":"We are completely selling out of the iShares miscue, which is the one, two, three, four down.","start":643.01996,"end":650.48,"sentiment":"neutral","sentiment_score":-0.16772832721471786},{"text":"We are also completely selling out of that Benelon Australian equity.","start":651.905,"end":655.825,"sentiment":"neutral","sentiment_score":0.078048139302568}],"sentiment":"neutral","sentiment_score":-0.08599896653969255,"channel":0,"num_words":72,"start":624.795,"end":655.825},{"sentences":[{"text":"That was the one I kind of spoke a little bit about last time that recently has underperformed, so we do wanna swap that one out for you.","start":655.825,"end":663.445,"sentiment":"neutral","sentiment_score":0.12067702465823718}],"sentiment":"neutral","sentiment_score":0.12067702465823718,"channel":0,"num_words":28,"start":655.825,"end":663.445},{"sentences":[{"text":"Yep.","start":663.89996,"end":664.215,"sentiment":"neutral","sentiment_score":0.22584816813468933}],"sentiment":"neutral","sentiment_score":0.22584816813468933,"channel":1,"num_words":1,"start":663.89996,"end":664.215},{"sentences":[{"text":"And, again, Japan, we are keeping that in the portfolio because it's done pretty good, just rebalancing it again for you.","start":664.51,"end":671.49,"sentiment":"positive","sentiment_score":0.4756773468993959},{"text":"So those are kind of the the changes, and then the bottom three is what we are then introducing instead.","start":671.79,"end":678.29,"sentiment":"neutral","sentiment_score":0.11332912873476744},{"text":"So instead of the Benelon, we have changed it to the beta shares Australia 200 because we do still wanna give you the Australian equity exposure.","start":679.15,"end":690.665,"sentiment":"neutral","sentiment_score":0.09085063450038433},{"text":"So if we take away the Australian equity, we wanna make sure we replace it with another option to make","start":690.725,"end":697.51,"sentiment":"neutral","sentiment_score":0.02842295207083225}],"sentiment":"neutral","sentiment_score":0.17455611951734828,"channel":0,"num_words":87,"start":664.51,"end":697.51},{"sentences":[{"text":"Yep.","start":697.285,"end":697.785,"sentiment":"neutral","sentiment_score":0.17238712310791016}],"sentiment":"neutral","sentiment_score":0.17238712310791016,"channel":1,"num_words":1,"start":697.285,"end":697.785},{"sentences":[{"text":"sure that overall your portfolio is well diversified across the globe as well.","start":697.51,"end":702.41,"sentiment":"neutral","sentiment_score":0.2805076241493225}],"sentiment":"neutral","sentiment_score":0.2805076241493225,"channel":0,"num_words":13,"start":697.51,"end":702.41},{"sentences":[{"text":"Mhmm.","start":702.165,"end":702.665,"sentiment":"neutral","sentiment_score":0.055106550455093384}],"sentiment":"neutral","sentiment_score":0.055106550455093384,"channel":1,"num_words":1,"start":702.165,"end":702.665},{"sentences":[{"text":"So the BetaShares Australia, 200 at 25%, Basically, just invests in the 200 largest companies listed on the ASX.","start":702.87,"end":712.71497,"sentiment":"neutral","sentiment_score":0.07315285209762423},{"text":"So in Australia and you'll have all","start":712.71497,"end":715.035,"sentiment":"neutral","sentiment_score":0.06844691240361758}],"sentiment":"neutral","sentiment_score":0.07188586833385321,"channel":0,"num_words":26,"start":702.87,"end":715.035},{"sentences":[{"text":"Okay.","start":714.99,"end":715.305,"sentiment":"neutral","sentiment_score":0.04116342216730118}],"sentiment":"neutral","sentiment_score":0.04116342216730118,"channel":1,"num_words":1,"start":714.99,"end":715.305},{"sentences":[{"text":"the big companies like,","start":715.035,"end":716.315,"sentiment":"neutral","sentiment_score":0.03462644945830107}],"sentiment":"neutral","sentiment_score":0.03462644945830107,"channel":0,"num_words":4,"start":715.035,"end":716.315},{"sentences":[{"text":"Yes.","start":716.105,"end":716.605,"sentiment":"neutral","sentiment_score":0.05573345720767975}],"sentiment":"neutral","sentiment_score":0.05573345720767975,"channel":1,"num_words":1,"start":716.105,"end":716.605},{"sentences":[{"text":"you know, Commonwealth and BHP and Woolworths, for example.","start":716.315,"end":719.77496,"sentiment":"neutral","sentiment_score":0.0673900188671218},{"text":"So it is","start":719.83496,"end":720.315,"sentiment":"neutral","sentiment_score":0.07705376297235489}],"sentiment":"neutral","sentiment_score":0.06980595489343007,"channel":0,"num_words":12,"start":716.315,"end":720.315},{"sentences":[{"text":"Mhmm.","start":720.185,"end":720.685,"sentiment":"neutral","sentiment_score":0.06152310222387314}],"sentiment":"neutral","sentiment_score":0.06152310222387314,"channel":1,"num_words":1,"start":720.185,"end":720.685},{"sentences":[{"text":"kind of all those big companies there.","start":720.315,"end":722.89496,"sentiment":"neutral","sentiment_score":0.04316116709794317},{"text":"And then instead of the whiskey world, so kind of a similar one, we have swapped this for the Vanguard all worlds.","start":723.64,"end":730.92,"sentiment":"neutral","sentiment_score":0.05741937035186724},{"text":"You may have heard of Vanguard.","start":730.92,"end":732.3,"sentiment":"neutral","sentiment_score":0.045667833959062896},{"text":"They are quite big before, but, essentially, that one is at 8%.","start":732.36,"end":738.22,"sentiment":"neutral","sentiment_score":0.05055976224442323}],"sentiment":"neutral","sentiment_score":0.052044222725832714,"channel":0,"num_words":47,"start":720.315,"end":738.22},{"sentences":[{"text":"Mhmm.","start":739.0,"end":739.335,"sentiment":"neutral","sentiment_score":0.036257337778806686}],"sentiment":"neutral","sentiment_score":0.036257337778806686,"channel":1,"num_words":1,"start":739.0,"end":739.335},{"sentences":[{"text":"But sorry.","start":739.36505,"end":740.085,"sentiment":"neutral","sentiment_score":0.02226023469120264},{"text":"You basically invest in around the globe, but it's excluding The US because we already have that US exposure in the ISF S and P 540.","start":740.085,"end":751.04504,"sentiment":"neutral","sentiment_score":0.0366231886526713}],"sentiment":"neutral","sentiment_score":0.03559726336970925,"channel":0,"num_words":28,"start":739.36505,"end":751.04504},{"sentences":[{"text":"Yep.","start":751.015,"end":751.515,"sentiment":"neutral","sentiment_score":0.10920163989067078}],"sentiment":"neutral","sentiment_score":0.10920163989067078,"channel":1,"num_words":1,"start":751.015,"end":751.515},{"sentences":[{"text":"So we don't wanna obviously overdo one area as","start":751.04504,"end":753.52,"sentiment":"neutral","sentiment_score":0.05010816607520812}],"sentiment":"neutral","sentiment_score":0.05010816607520812,"channel":0,"num_words":9,"start":751.04504,"end":753.52},{"sentences":[{"text":"Yep.","start":753.495,"end":753.72,"sentiment":"neutral","sentiment_score":0.06998015940189362}],"sentiment":"neutral","sentiment_score":0.06998015940189362,"channel":1,"num_words":1,"start":753.495,"end":753.72},{"sentences":[{"text":"well.","start":753.52,"end":753.76,"sentiment":"neutral","sentiment_score":0.12738265097141266}],"sentiment":"neutral","sentiment_score":0.12738265097141266,"channel":0,"num_words":1,"start":753.52,"end":753.76},{"sentences":[{"text":"Yeah.","start":753.72,"end":754.22,"sentiment":"neutral","sentiment_score":0.20614680647850037}],"sentiment":"neutral","sentiment_score":0.20614680647850037,"channel":1,"num_words":1,"start":753.72,"end":754.22},{"sentences":[{"text":"We wanna make sure it is well rounded.","start":753.76,"end":755.7,"sentiment":"neutral","sentiment_score":0.32136745750904083},{"text":"So so, overall, there's no big changes.","start":755.84,"end":759.60004,"sentiment":"neutral","sentiment_score":0.2527632308857782},{"text":"There's","start":759.60004,"end":759.84,"sentiment":"neutral","sentiment_score":0.264166921377182}],"sentiment":"neutral","sentiment_score":0.28777807485312223,"channel":0,"num_words":16,"start":753.76,"end":759.84},{"sentences":[{"text":"Mhmm.","start":759.7275,"end":760.2275,"sentiment":"neutral","sentiment_score":0.2603903114795685}],"sentiment":"neutral","sentiment_score":0.2603903114795685,"channel":1,"num_words":1,"start":759.7275,"end":760.2275},{"sentences":[{"text":"just a couple of those investments that we have changed out simply to try and improve the returns and reduce the fees a little bit for you so that when you do retire, it'll put in a little bit better position.","start":759.84,"end":770.85504,"sentiment":"positive","sentiment_score":0.37738500135700875}],"sentiment":"positive","sentiment_score":0.37738500135700875,"channel":0,"num_words":41,"start":759.84,"end":770.85504},{"sentences":[{"text":"Yes.","start":771.015,"end":771.515,"sentiment":"neutral","sentiment_score":0.24623587727546692}],"sentiment":"neutral","sentiment_score":0.24623587727546692,"channel":1,"num_words":1,"start":771.015,"end":771.515},{"sentences":[{"text":"Yep.","start":771.875,"end":772.375,"sentiment":"neutral","sentiment_score":0.16957800090312958},{"text":"Now in the appendix, which is if you go back out later, I don't have to do it now, you will see a couple of attachments.","start":772.755,"end":779.59,"sentiment":"neutral","sentiment_score":0.08545916613477927},{"text":"So you'll have a appendix and some supporting documents.","start":779.81,"end":782.87,"sentiment":"neutral","sentiment_score":0.12148203204075496},{"text":"That is basically some research for you if you do wanna read up on it.","start":783.17,"end":787.02997,"sentiment":"neutral","sentiment_score":0.13306092073520023}],"sentiment":"neutral","sentiment_score":0.10746604744710174,"channel":0,"num_words":51,"start":771.875,"end":787.02997},{"sentences":[{"text":"Okay.","start":787.03,"end":787.51,"sentiment":"neutral","sentiment_score":0.12181907892227171}],"sentiment":"neutral","sentiment_score":0.12181907892227171,"channel":1,"num_words":1,"start":787.03,"end":787.51},{"sentences":[{"text":"And in","start":787.17,"end":787.65,"sentiment":"neutral","sentiment_score":0.13182803243398666}],"sentiment":"neutral","sentiment_score":0.13182803243398666,"channel":0,"num_words":2,"start":787.17,"end":787.65},{"sentences":[{"text":"Yep.","start":787.51,"end":788.01,"sentiment":"neutral","sentiment_score":0.13632075488567352}],"sentiment":"neutral","sentiment_score":0.13632075488567352,"channel":1,"num_words":1,"start":787.51,"end":788.01},{"sentences":[{"text":"the appendix, there are actually investment links to all of these investments.","start":787.65,"end":791.91,"sentiment":"neutral","sentiment_score":0.14160228706896305},{"text":"So if it is that you want to go and have a read over this in a bit more detail as well, you're more than welcome to do so.","start":791.97,"end":799.075,"sentiment":"neutral","sentiment_score":0.21413220465183258}],"sentiment":"neutral","sentiment_score":0.1929039360909927,"channel":0,"num_words":41,"start":787.65,"end":799.075},{"sentences":[{"text":"Yep.","start":799.28503,"end":799.445,"sentiment":"neutral","sentiment_score":0.16161763668060303},{"text":"Correct.","start":799.445,"end":799.945,"sentiment":"positive","sentiment_score":0.35539549589157104},{"text":"Thank","start":800.085,"end":800.325,"sentiment":"positive","sentiment_score":0.6346437335014343}],"sentiment":"positive","sentiment_score":0.38388562202453613,"channel":1,"num_words":3,"start":799.28503,"end":800.325},{"sentences":[{"text":"Yep.","start":800.255,"end":800.755,"sentiment":"positive","sentiment_score":0.4935533404350281}],"sentiment":"positive","sentiment_score":0.4935533404350281,"channel":0,"num_words":1,"start":800.255,"end":800.755},{"sentences":[{"text":"you.","start":800.325,"end":800.825,"sentiment":"positive","sentiment_score":0.5750608444213867}],"sentiment":"positive","sentiment_score":0.5750608444213867,"channel":1,"num_words":1,"start":800.325,"end":800.825},{"sentences":[{"text":"Perfect.","start":801.215,"end":801.715,"sentiment":"positive","sentiment_score":0.6390088200569153},{"text":"Now on the next page, you will then see the asset allocation table.","start":802.255,"end":807.05,"sentiment":"neutral","sentiment_score":0.19594420549961236},{"text":"You're gonna have a little pie chart as well.","start":807.05,"end":808.97003,"sentiment":"neutral","sentiment_score":0.1949051386780209},{"text":"Can you see that?","start":808.97003,"end":809.95,"sentiment":"neutral","sentiment_score":0.10335151292383671}],"sentiment":"neutral","sentiment_score":0.19829021449442263,"channel":0,"num_words":27,"start":801.215,"end":809.95},{"sentences":[{"text":"Yep.","start":809.54004,"end":810.04004,"sentiment":"neutral","sentiment_score":0.08238188922405243},{"text":"Yes.","start":810.26,"end":810.58,"sentiment":"neutral","sentiment_score":0.11277621984481812}],"sentiment":"neutral","sentiment_score":0.09757905453443527,"channel":1,"num_words":2,"start":809.54004,"end":810.58},{"sentences":[{"text":"Yep.","start":810.49,"end":810.99,"sentiment":"neutral","sentiment_score":0.1462106555700302}],"sentiment":"neutral","sentiment_score":0.1462106555700302,"channel":0,"num_words":1,"start":810.49,"end":810.99},{"sentences":[{"text":"I did.","start":810.58,"end":811.24005,"sentiment":"neutral","sentiment_score":0.27306215465068817}],"sentiment":"neutral","sentiment_score":0.27306215465068817,"channel":1,"num_words":2,"start":810.58,"end":811.24005},{"sentences":[{"text":"Perfect.","start":811.37,"end":811.87,"sentiment":"positive","sentiment_score":0.45734575390815735},{"text":"So you can see here the the second column where it says the risk profile is that ninety ten split, 90 growth, 10 defensive.","start":812.01,"end":821.455,"sentiment":"neutral","sentiment_score":0.16026932001113892},{"text":"You have the existing portfolio and then the proposed.","start":822.315,"end":825.615,"sentiment":"neutral","sentiment_score":0.14184429662095177},{"text":"And you can see that both existing and the proposed are quite similar in regards through that risk allocation for you.","start":825.755,"end":833.28,"sentiment":"neutral","sentiment_score":0.16315633413337527},{"text":"Any questions so far?","start":835.2,"end":836.58,"sentiment":"neutral","sentiment_score":0.02167143113911152}],"sentiment":"neutral","sentiment_score":0.15412503127324378,"channel":0,"num_words":59,"start":811.37,"end":836.58},{"sentences":[{"text":"No.","start":837.01,"end":837.41,"sentiment":"neutral","sentiment_score":-0.11340384185314178},{"text":"I think","start":837.41,"end":838.07,"sentiment":"neutral","sentiment_score":-0.10956372693181038}],"sentiment":"neutral","sentiment_score":-0.11084376523892085,"channel":1,"num_words":3,"start":837.01,"end":838.07},{"sentences":[{"text":"No.","start":838.0,"end":838.5,"sentiment":"neutral","sentiment_score":-0.13417239487171173}],"sentiment":"neutral","sentiment_score":-0.13417239487171173,"channel":0,"num_words":1,"start":838.0,"end":838.5},{"sentences":[{"text":"I can Yep.","start":838.13,"end":839.655,"sentiment":"neutral","sentiment_score":-0.0753810741007328}],"sentiment":"neutral","sentiment_score":-0.0753810741007328,"channel":1,"num_words":3,"start":838.13,"end":839.655},{"sentences":[{"text":"Yeah.","start":840.08,"end":840.48004,"sentiment":"neutral","sentiment_score":0.033205702900886536},{"text":"Mhmm.","start":840.48004,"end":840.72003,"sentiment":"neutral","sentiment_score":0.09721869230270386},{"text":"Perfect.","start":840.72003,"end":841.22003,"sentiment":"neutral","sentiment_score":0.31305062770843506},{"text":"Which almost takes us through the end, actually.","start":841.60004,"end":845.14,"sentiment":"neutral","sentiment_score":0.18825493566691875},{"text":"And if you then wanna scroll through page 21 for me, I just wanna highlight the remuneration for you once more just to be sure.","start":845.52,"end":854.245,"sentiment":"neutral","sentiment_score":0.1728760775923729}],"sentiment":"neutral","sentiment_score":0.17420601244601938,"channel":0,"num_words":36,"start":840.08,"end":854.245},{"sentences":[{"text":"Yep.","start":855.255,"end":855.63,"sentiment":"neutral","sentiment_score":0.0768851563334465},{"text":"Page 20","start":856.11,"end":857.01,"sentiment":"neutral","sentiment_score":0.0780339166522026}],"sentiment":"neutral","sentiment_score":0.07765099654595058,"channel":1,"num_words":3,"start":855.255,"end":857.01},{"sentences":[{"text":"Yes.","start":857.505,"end":858.005,"sentiment":"neutral","sentiment_score":0.18226143717765808},{"text":"So, obviously, if you are happy","start":858.46497,"end":860.14496,"sentiment":"positive","sentiment_score":0.3918033540248871}],"sentiment":"positive","sentiment_score":0.3618687944752829,"channel":0,"num_words":7,"start":857.505,"end":860.14496},{"sentences":[{"text":"one.","start":859.95,"end":860.45,"sentiment":"positive","sentiment_score":0.38597798347473145}],"sentiment":"positive","sentiment_score":0.38597798347473145,"channel":1,"num_words":1,"start":859.95,"end":860.45},{"sentences":[{"text":"to go ahead with this change when you've had a time to have a read over it, there","start":860.14496,"end":864.62,"sentiment":"neutral","sentiment_score":0.263039521045155}],"sentiment":"neutral","sentiment_score":0.263039521045155,"channel":0,"num_words":18,"start":860.14496,"end":864.62},{"sentences":[{"text":"Mhmm.","start":864.59,"end":865.09,"sentiment":"neutral","sentiment_score":0.20471985638141632}],"sentiment":"neutral","sentiment_score":0.20471985638141632,"channel":1,"num_words":1,"start":864.59,"end":865.09},{"sentences":[{"text":"is no additional fees or charges at all to make the change.","start":864.62,"end":869.57996,"sentiment":"neutral","sentiment_score":0.17904275096952915},{"text":"It is simply just that usual 1.65 ongoing","start":869.57996,"end":873.44,"sentiment":"neutral","sentiment_score":0.29158051684498787}],"sentiment":"neutral","sentiment_score":0.22405785731971264,"channel":0,"num_words":20,"start":864.62,"end":873.44},{"sentences":[{"text":"Yes.","start":873.16504,"end":873.66504,"sentiment":"neutral","sentiment_score":0.2174842655658722}],"sentiment":"neutral","sentiment_score":0.2174842655658722,"channel":1,"num_words":1,"start":873.16504,"end":873.66504},{"sentences":[{"text":"device fee.","start":873.57996,"end":874.13995,"sentiment":"neutral","sentiment_score":0.2609413117170334},{"text":"It's all part of the service.","start":874.13995,"end":875.68,"sentiment":"neutral","sentiment_score":0.33233322699864704},{"text":"Obviously, all the research and everything is all part of that.","start":876.605,"end":879.165,"sentiment":"positive","sentiment_score":0.37741530483419244},{"text":"So if it is that you do wanna go ahead, no additional fees or charges at all.","start":879.165,"end":884.225,"sentiment":"neutral","sentiment_score":0.2479152105310384}],"sentiment":"neutral","sentiment_score":0.3022780254897144,"channel":0,"num_words":36,"start":873.57996,"end":884.225},{"sentences":[{"text":"Mhmm.","start":884.94,"end":885.44,"sentiment":"neutral","sentiment_score":0.11128469556570052}],"sentiment":"neutral","sentiment_score":0.11128469556570052,"channel":1,"num_words":1,"start":884.94,"end":885.44},{"sentences":[{"text":"Yep.","start":885.485,"end":885.985,"sentiment":"neutral","sentiment_score":0.04713387042284012},{"text":"Now we have this listed underneath that as well, the insurances.","start":886.125,"end":890.26,"sentiment":"neutral","sentiment_score":0.03462575680830262},{"text":"So we do get commissions from the insurer,","start":890.4,"end":893.46,"sentiment":"neutral","sentiment_score":0.04598658415488899}],"sentiment":"neutral","sentiment_score":0.039795493427664044,"channel":0,"num_words":20,"start":885.485,"end":893.46},{"sentences":[{"text":"Yep.","start":894.06,"end":894.285,"sentiment":"neutral","sentiment_score":0.06559822708368301}],"sentiment":"neutral","sentiment_score":0.06559822708368301,"channel":1,"num_words":1,"start":894.06,"end":894.285},{"sentences":[{"text":"which is 23% of the premium ongoing, but that is me of paying us.","start":894.24005,"end":900.24005,"sentiment":"neutral","sentiment_score":0.014995713452143329},{"text":"It is not you paying us But for compliance purposes and to make sure that you are fully informed of everything, we do have to disclose it so you are aware.","start":900.24005,"end":909.335,"sentiment":"neutral","sentiment_score":0.03166566212331095},{"text":"But, again, it is not you paying that amount.","start":909.715,"end":911.955,"sentiment":"neutral","sentiment_score":-0.025916659066246614},{"text":"It is the insurer paying us.","start":911.955,"end":913.815,"sentiment":"neutral","sentiment_score":0.0036604184036453566}],"sentiment":"neutral","sentiment_score":0.016338134882971644,"channel":0,"num_words":60,"start":894.24005,"end":913.815},{"sentences":[{"text":"Yes.","start":915.35004,"end":915.85004,"sentiment":"neutral","sentiment_score":0.017295125871896744}],"sentiment":"neutral","sentiment_score":0.017295125871896744,"channel":1,"num_words":1,"start":915.35004,"end":915.85004},{"sentences":[{"text":"Any questions?","start":915.65,"end":916.55,"sentiment":"neutral","sentiment_score":0.0015552393160760403}],"sentiment":"neutral","sentiment_score":0.0015552393160760403,"channel":0,"num_words":2,"start":915.65,"end":916.55},{"sentences":[{"text":"No.","start":916.79004,"end":917.03,"sentiment":"neutral","sentiment_score":-0.0895807296037674},{"text":"I think that","start":917.03,"end":917.59,"sentiment":"neutral","sentiment_score":-0.08186004559199016}],"sentiment":"neutral","sentiment_score":-0.08379021659493446,"channel":1,"num_words":4,"start":916.79004,"end":917.59},{"sentences":[{"text":"No.","start":917.49,"end":917.99,"sentiment":"neutral","sentiment_score":-0.14000192284584043}],"sentiment":"neutral","sentiment_score":-0.14000192284584043,"channel":0,"num_words":1,"start":917.49,"end":917.99},{"sentences":[{"text":"makes sense.","start":917.59,"end":918.33,"sentiment":"neutral","sentiment_score":-0.0984111875295639}],"sentiment":"neutral","sentiment_score":-0.0984111875295639,"channel":1,"num_words":2,"start":917.59,"end":918.33},{"sentences":[{"text":"Yeah.","start":918.37,"end":918.85004,"sentiment":"neutral","sentiment_score":0.10391484200954436},{"text":"Perfect.","start":918.85004,"end":919.35004,"sentiment":"positive","sentiment_score":0.430396020412445},{"text":"Which essentially just summarizes everything at the end.","start":919.89,"end":923.27,"sentiment":"neutral","sentiment_score":0.1991943158209324},{"text":"So it talks about authority to proceed.","start":923.41003,"end":925.65,"sentiment":"neutral","sentiment_score":0.17850965155022486},{"text":"That is if you are happy to go ahead.","start":925.65,"end":927.83,"sentiment":"neutral","sentiment_score":0.3311251915163464}],"sentiment":"neutral","sentiment_score":0.24452152590339,"channel":0,"num_words":26,"start":918.37,"end":927.83},{"sentences":[{"text":"Basically, we are keeping your net wealth and not making any changes","start":928.53,"end":932.015,"sentiment":"neutral","sentiment_score":0.17457662026087442}],"sentiment":"neutral","sentiment_score":0.17457662026087442,"channel":0,"num_words":12,"start":928.53,"end":932.015},{"sentences":[{"text":"Mhmm.","start":931.7,"end":932.2,"sentiment":"neutral","sentiment_score":0.11184847354888916}],"sentiment":"neutral","sentiment_score":0.11184847354888916,"channel":1,"num_words":1,"start":931.7,"end":932.2},{"sentences":[{"text":"there.","start":932.015,"end":932.335,"sentiment":"neutral","sentiment_score":0.15376976132392883},{"text":"Literally just swapping some of those investments for you.","start":932.335,"end":936.275,"sentiment":"neutral","sentiment_score":0.25369322299957275},{"text":"And by going ahead when you've had a time to have a read over it, if you do read over it and you have a couple of more questions, just give me a call or we can always go through it.","start":936.895,"end":946.69,"sentiment":"neutral","sentiment_score":0.20146967034514357}],"sentiment":"neutral","sentiment_score":0.20975029906805823,"channel":0,"num_words":51,"start":932.015,"end":946.69},{"sentences":[{"text":"Yep.","start":947.14,"end":947.415,"sentiment":"neutral","sentiment_score":0.22814695537090304}],"sentiment":"neutral","sentiment_score":0.22814695537090304,"channel":1,"num_words":1,"start":947.14,"end":947.415},{"sentences":[{"text":"If you go through it and you don't have any questions and you are happy to to go ahead, then from here would be for you to just sign the document digitally.","start":947.79,"end":958.05,"sentiment":"neutral","sentiment_score":0.2822507224045694},{"text":"I will then get notified, and then I can let the team know to go ahead with the change, essentially.","start":958.67505,"end":964.375,"sentiment":"neutral","sentiment_score":0.2816267229616642}],"sentiment":"neutral","sentiment_score":0.28201072261883664,"channel":0,"num_words":52,"start":947.79,"end":964.375},{"sentences":[{"text":"Okay.","start":964.22,"end":964.72,"sentiment":"neutral","sentiment_score":0.23064489662647247}],"sentiment":"neutral","sentiment_score":0.23064489662647247,"channel":1,"num_words":1,"start":964.22,"end":964.72},{"sentences":[{"text":"Yeah.","start":965.715,"end":966.215,"sentiment":"neutral","sentiment_score":0.30986058712005615},{"text":"That was","start":967.075,"end":967.635,"sentiment":"positive","sentiment_score":0.5313150584697723}],"sentiment":"positive","sentiment_score":0.45749690135320026,"channel":0,"num_words":3,"start":965.715,"end":967.635},{"sentences":[{"text":"Great.","start":967.42,"end":967.92,"sentiment":"positive","sentiment_score":0.6495769023895264}],"sentiment":"positive","sentiment_score":0.6495769023895264,"channel":1,"num_words":1,"start":967.42,"end":967.92},{"sentences":[{"text":"essentially everything I had to run through with you today.","start":967.635,"end":970.67505,"sentiment":"positive","sentiment_score":0.5832361578941345},{"text":"So pretty straightforward, but do you have any questions for me otherwise at this point?","start":970.67505,"end":976.1,"sentiment":"neutral","sentiment_score":0.1839270035425822}],"sentiment":"positive","sentiment_score":0.34365066528320315,"channel":0,"num_words":25,"start":967.635,"end":976.1},{"sentences":[{"text":"Look.","start":975.755,"end":976.235,"sentiment":"neutral","sentiment_score":0.025943076238036156},{"text":"Not not at this stage.","start":976.235,"end":977.435,"sentiment":"neutral","sentiment_score":-0.06807591989636422},{"text":"I may","start":977.435,"end":977.835,"sentiment":"neutral","sentiment_score":-0.04230710491538048}],"sentiment":"neutral","sentiment_score":-0.04988134163431823,"channel":1,"num_words":8,"start":975.755,"end":977.835},{"sentences":[{"text":"Yep.","start":977.76,"end":978.26,"sentiment":"neutral","sentiment_score":0.01309228129684925}],"sentiment":"neutral","sentiment_score":0.01309228129684925,"channel":0,"num_words":1,"start":977.76,"end":978.26},{"sentences":[{"text":"be in touch, but yeah.","start":977.835,"end":979.135,"sentiment":"neutral","sentiment_score":0.02007540501654148}],"sentiment":"neutral","sentiment_score":0.02007540501654148,"channel":1,"num_words":5,"start":977.835,"end":979.135},{"sentences":[{"text":"Yes.","start":978.88,"end":979.38,"sentiment":"neutral","sentiment_score":0.20496684312820437},{"text":"That is perfectly fine.","start":980.0,"end":981.28,"sentiment":"positive","sentiment_score":0.38282694667577744},{"text":"Take your time to have a read over it.","start":981.28,"end":983.38,"sentiment":"positive","sentiment_score":0.34546222620540196},{"text":"Like I","start":983.52,"end":983.84,"sentiment":"neutral","sentiment_score":0.22077055275440216}],"sentiment":"neutral","sentiment_score":0.330435985699296,"channel":0,"num_words":16,"start":978.88,"end":983.84},{"sentences":[{"text":"Mhmm.","start":983.755,"end":984.255,"sentiment":"neutral","sentiment_score":0.1761125922203064}],"sentiment":"neutral","sentiment_score":0.1761125922203064,"channel":1,"num_words":1,"start":983.755,"end":984.255},{"sentences":[{"text":"said, you can always give me a call or even just send send us an email if there's any questions,","start":983.84,"end":988.34,"sentiment":"neutral","sentiment_score":0.21316667571663855}],"sentiment":"neutral","sentiment_score":0.21316667571663855,"channel":0,"num_words":20,"start":983.84,"end":988.34},{"sentences":[{"text":"Great.","start":988.53,"end":989.03,"sentiment":"positive","sentiment_score":0.5411306023597717}],"sentiment":"positive","sentiment_score":0.5411306023597717,"channel":1,"num_words":1,"start":988.53,"end":989.03},{"sentences":[{"text":"and we can always go through anything that way as well.","start":989.165,"end":992.14496,"sentiment":"positive","sentiment_score":0.4736978384581479},{"text":"Perfect.","start":993.885,"end":994.365,"sentiment":"positive","sentiment_score":0.6241492033004761}],"sentiment":"positive","sentiment_score":0.4862354521950086,"channel":0,"num_words":12,"start":989.165,"end":994.365},{"sentences":[{"text":"Thank","start":994.05005,"end":994.37006,"sentiment":"positive","sentiment_score":0.68934166431427}],"sentiment":"positive","sentiment_score":0.68934166431427,"channel":1,"num_words":1,"start":994.05005,"end":994.37006},{"sentences":[{"text":"Well,","start":994.365,"end":994.76495,"sentiment":"positive","sentiment_score":0.5917887687683105}],"sentiment":"positive","sentiment_score":0.5917887687683105,"channel":0,"num_words":1,"start":994.365,"end":994.76495},{"sentences":[{"text":"you.","start":994.37006,"end":994.87006,"sentiment":"positive","sentiment_score":0.6338529586791992}],"sentiment":"positive","sentiment_score":0.6338529586791992,"channel":1,"num_words":1,"start":994.37006,"end":994.87006},{"sentences":[{"text":"thank you so much for your time this afternoon, and I will let you get back to you afternoon.","start":994.76495,"end":999.40497,"sentiment":"positive","sentiment_score":0.6437692822594392},{"text":"And like I said, any questions, don't hesitate to give me a call.","start":999.40497,"end":1002.7169,"sentiment":"neutral","sentiment_score":0.15441650725328004}],"sentiment":"positive","sentiment_score":0.444969717413187,"channel":0,"num_words":32,"start":994.76495,"end":1002.7169},{"sentences":[{"text":"Great.","start":1003.05695,"end":1003.37695,"sentiment":"positive","sentiment_score":0.7981201410293579},{"text":"Thank you so","start":1003.37695,"end":1004.01697,"sentiment":"positive","sentiment_score":0.7947324315706888}],"sentiment":"positive","sentiment_score":0.7955793589353561,"channel":1,"num_words":4,"start":1003.05695,"end":1004.01697},{"sentences":[{"text":"Mhmm.","start":1003.91693,"end":1004.41693,"sentiment":"positive","sentiment_score":0.5118630528450012}],"sentiment":"positive","sentiment_score":0.5118630528450012,"channel":0,"num_words":1,"start":1003.91693,"end":1004.41693},{"sentences":[{"text":"much, Veronica.","start":1004.01697,"end":1004.837,"sentiment":"positive","sentiment_score":0.47052261233329773}],"sentiment":"positive","sentiment_score":0.47052261233329773,"channel":1,"num_words":2,"start":1004.01697,"end":1004.837},{"sentences":[{"text":"No no","start":1004.7169,"end":1005.5169,"sentiment":"neutral","sentiment_score":-0.2229369580745697}],"sentiment":"neutral","sentiment_score":-0.2229369580745697,"channel":0,"num_words":2,"start":1004.7169,"end":1005.5169},{"sentences":[{"text":"Alright.","start":1005.457,"end":1005.957,"sentiment":"neutral","sentiment_score":-0.04802848398685455}],"sentiment":"neutral","sentiment_score":-0.04802848398685455,"channel":1,"num_words":1,"start":1005.457,"end":1005.957},{"sentences":[{"text":"problem at all.","start":1005.5169,"end":1006.23694,"sentiment":"neutral","sentiment_score":0.010247565805912018},{"text":"We'll speak soon.","start":1006.23694,"end":1007.29694,"sentiment":"neutral","sentiment_score":0.18601073324680328}],"sentiment":"neutral","sentiment_score":0.09812914952635765,"channel":0,"num_words":6,"start":1005.5169,"end":1007.29694},{"sentences":[{"text":"Thanks.","start":1007.69696,"end":1008.19696,"sentiment":"positive","sentiment_score":0.5651530027389526},{"text":"Bye.","start":1008.337,"end":1008.837,"sentiment":"neutral","sentiment_score":0.25874385237693787}],"sentiment":"positive","sentiment_score":0.41194842755794525,"channel":1,"num_words":2,"start":1007.69696,"end":1008.837},{"sentences":[{"text":"Okay.","start":1008.6369,"end":1009.0369,"sentiment":"neutral","sentiment_score":0.1726454496383667},{"text":"Bye.","start":1009.0369,"end":1009.5369,"sentiment":"neutral","sentiment_score":-0.11815814673900604}],"sentiment":"neutral","sentiment_score":0.02724365144968033,"channel":0,"num_words":2,"start":1008.6369,"end":1009.5369}]},"summary":{"result":"success","short":"A representative from ICU Financial called Pippa to discuss her investment recommendation and provided a cover page with personal information and financial information. They then guided her through recommendations and provided information on risk profiles and capital gains tax. The new recommended portfolio performed better than the old one, but the old one is still being sold. The speaker highlighted the investment links and asset allocation table, and provided supporting documents and a chart for the risk profile and portfolio. The speaker emphasizes the customer's ability to sign the document digitally and offers to be in touch with any questions."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address to me, please? Yep. Perfect.","start_word":93,"end_word":120,"intents":[{"intent":"Confirm call details","confidence_score":0.0001379378}]},{"text":"Today, from our last conversation, just kind of focusing on reviewing your super investments to see if we want to swap out some of those through other ones that's going to do a little bit better today. So it is pretty straightforward.","start_word":332,"end_word":373,"intents":[{"intent":"Review super investments","confidence_score":0.8198069},{"intent":"Guide through document review","confidence_score":0.0000014102154},{"intent":"Review policies","confidence_score":0.0017503791}]},{"text":"A lot of it is for compliance to make sure you understand everything because you kind of have gone through this Yep. a little bit already. I will kind of skip through some of it and just kind Mhmm. of touch on the most important, and then I'll let you have a read over it in Yep. your own time. But any questions, just let me know. Okay. Perfect.","start_word":395,"end_word":463,"intents":[{"intent":"Ensure understanding","confidence_score":0.013267647}]},{"text":"Now, essentially, that is just the areas we are focusing on today. So simply today, what we are looking at is your superannuation just to make sure we can make sure it grows as much as possible so that you can Yep. retire comfortably.","start_word":601,"end_word":644,"intents":[{"intent":"Focus on superannuation growth","confidence_score":0.0008411895}]},{"text":"and not really making any recommendations on debt or saving for travel.","start_word":666,"end_word":677,"intents":[{"intent":"Recommend travel recommendations","confidence_score":0.01889697}]},{"text":"If it is something you do need assistance, leave down the track. Always just let us know, and we can always consider it then. Yep.","start_word":679,"end_word":703,"intents":[{"intent":"Guide clients","confidence_score":0.0013041819}]},{"text":"So what I'll actually get you to do first, if you wanna scroll down to page 17 for me, it Yep. should say the comparison table. What page was 17. it? And 17. it's like a table with some numbers. Yep. Perfect.","start_word":1149,"end_word":1190,"intents":[{"intent":"Analyze investments","confidence_score":0.03595878}]},{"text":"You can see that it has, you know, historically performed quite a bit better, which is great. Do you have any questions so far? No.","start_word":1405,"end_word":1429,"intents":[{"intent":"Discuss investment performance","confidence_score":0.005352017}]},{"text":"And underneath that, you can also see the investment return. So you can see the twelve month, three, and five, outlined. So, again, Yes.","start_word":1518,"end_word":1541,"intents":[{"intent":"Discuss investment return","confidence_score":0.09243546}]},{"text":"So we are selling some of those investments. Now you can see that we are still even though it says minus 737 in gold, we are still keeping gold at 7%, just rebalancing it. So those are basically just a change in the value. We are completely selling out of the iShares miscue, which is the one, two, three, four down.","start_word":1606,"end_word":1666,"intents":[{"intent":"Explain investment value","confidence_score":0.035437398}]},{"text":"Now you can see that we are still even though it says minus 737 in gold, we are still keeping gold at 7%, just rebalancing it.","start_word":1614,"end_word":1639,"intents":[{"intent":"Reveal gold value","confidence_score":0.00077882595}]},{"text":"We are also completely selling out of that Benelon Australian equity. That was the one I kind of spoke a little bit about last time that recently has underperformed, so we do wanna swap that one out for you. Yep.","start_word":1668,"end_word":1707,"intents":[{"intent":"Swap benelon equity","confidence_score":0.08355859},{"intent":"Acquiring benelon equity","confidence_score":0.00031950074}]},{"text":"And, again, Japan, we are keeping that in the portfolio because it's done pretty good, just rebalancing it again for you.","start_word":1707,"end_word":1727,"intents":[{"intent":"Rebalancing portfolio","confidence_score":0.14775178}]},{"text":"sure that overall your portfolio is well diversified across the globe as well.","start_word":1795,"end_word":1807,"intents":[{"intent":"Diversifying portfolio","confidence_score":0.3116394}]},{"text":"just a couple of those investments that we have changed out simply to try and improve the returns and reduce the fees a little bit for you so that when you do retire, it'll put in a little bit better position.","start_word":1960,"end_word":2000,"intents":[{"intent":"Changing investments","confidence_score":0.014807865},{"intent":"Optimize returns and fees","confidence_score":0.024896177}]},{"text":"Which almost takes us through the end, actually. And if you then wanna scroll through page 21 for me, I just wanna highlight the remuneration for you once more just to be sure. Yep.","start_word":2204,"end_word":2237,"intents":[{"intent":"Highlight remuneration and explain","confidence_score":0.00077131944}]},{"text":"Now we have this listed underneath that as well, the insurances. So we do get commissions from the insurer, Yep. which is 23% of the premium ongoing, but that is me of paying us. It is not you paying us But for compliance purposes and to make sure that you are fully informed of everything, we do have to disclose it so you are aware. But, again, it is not you paying that amount. It is the insurer paying us. Yes.","start_word":2327,"end_word":2407,"intents":[{"intent":"Define insurance coverage","confidence_score":0.00002101476}]},{"text":"So we do get commissions from the insurer, Yep. which is 23% of the premium ongoing, but that is me of paying us. It is not you paying us But for compliance purposes and to make sure that you are fully informed of everything, we do have to disclose it so you are aware. But, again, it is not you paying that amount. It is the insurer paying us. Yes.","start_word":2337,"end_word":2406,"intents":[{"intent":"Discuss commissions and information","confidence_score":2.628851e-7},{"intent":"Inform about compensation","confidence_score":0.00005962882}]},{"text":"Not not at this stage. I may Yep. be in touch, but yeah. Yes. That is perfectly fine. Take your time to have a read over it. Like I Mhmm. said, you can always give me a call or even just send send us an email if there's any questions, Great. and we can always go through anything that way as well. Perfect.","start_word":2590,"end_word":2652,"intents":[{"intent":"Suggest future communication","confidence_score":0.00060098525}]},{"text":"Thank Well, you. thank you so much for your time this afternoon, and I will let you get back to you afternoon.","start_word":2653,"end_word":2674,"intents":[{"intent":"Express gratitude","confidence_score":0.077257186}]}]},"sentiments":{"segments":[{"text":"Hello? Pippa speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.0427769273519516},{"text":"Good afternoon, Pippa.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.45034220814704895},{"text":"This is Veronica from ICU Financial. How are you this afternoon?","start_word":6,"end_word":16,"sentiment":"neutral","sentiment_score":0.3204006254673004},{"text":"I'm well. Thank you. How are you? I'm good. Thanks.","start_word":17,"end_word":26,"sentiment":"positive","sentiment_score":0.4982593357563019},{"text":"I just had you booked in for a pretty quick catch up, really, just to go through the recommendation after the reset after last catch up. Is now still a good time for you? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address to me, please? Yep.","start_word":27,"end_word":119,"sentiment":"neutral","sentiment_score":0.17251621186733246},{"text":"Perfect. That's exactly what I have here.","start_word":120,"end_word":126,"sentiment":"positive","sentiment_score":0.4418698847293854},{"text":"And how's your day been so far? Been busy? Oh, yeah. Oh, yeah.","start_word":127,"end_word":139,"sentiment":"neutral","sentiment_score":0.10218441486358644},{"text":"That's good.","start_word":140,"end_word":141,"sentiment":"positive","sentiment_score":0.37648746371269226},{"text":"Now I won't keep you for too long, but I have just sent you an email with the SOA to go through quickly. Do you have access to your emails at the moment? Yep. I do. Yep. Okay. Perfect. Give me a Just second let me and know. I'll Yep. you're still there? Yes. Can you hear me? You can hear me okay? Are you there? Sorry. Yes. I can hear you. Can you hear me okay? Yes. I can. Sorry. It's just the speaker dropped when I shifted across to Yeah. No. That's okay. Just let me know if that one comes through. Sometimes yep. it doesn't Now up it's in the there. spam I can folder. see it there. Great. Now if you can just click on the link for me, it will then allow you to open up the document. The signed And document. yes. Please. Because it will let you view it first. Yes. And then you should see a cover page where it says Yep. statement of advice. Can you see that okay? Yes. I can see that. Yep.","start_word":142,"end_word":325,"sentiment":"neutral","sentiment_score":0.029292033570211217},{"text":"Perfect. So it is pretty straightforward.","start_word":326,"end_word":331,"sentiment":"positive","sentiment_score":0.6321303248405457},{"text":"Today, from our last conversation, just kind of focusing on reviewing your super investments to see if we want to swap out some of those through other ones that's going to do a little bit better today. So it is pretty straightforward. It is still quite a long Mhmm. document. A lot It of is it quite is a for long document. no. A lot of it is for compliance to make sure you understand everything because you kind of have gone through this Yep. a little bit already. I will kind of skip through some of it and just kind Mhmm. of touch on the most important, and then I'll let you have a read over it in Yep. your own time. But any questions, just let me know. Okay.","start_word":332,"end_word":462,"sentiment":"neutral","sentiment_score":0.06139330938458443},{"text":"Perfect.","start_word":463,"end_word":463,"sentiment":"positive","sentiment_score":0.4735594689846039},{"text":"Now you will see, obviously, on the cover page that this has been tailored just to you. Now Yep. you will see my authorized representative number listed on the on the cover page there, and I am Mhmm. licensed under Oku Financial. Now on the second page, you will see the Yep. best interest you to outline, which obviously just says that we have to act in your best interest at all time. The advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Mhmm. Yes. It makes sense. Yeah.","start_word":464,"end_word":570,"sentiment":"neutral","sentiment_score":0.08472965657711029},{"text":"Perfect.","start_word":571,"end_word":571,"sentiment":"positive","sentiment_score":0.35101866722106934},{"text":"Now as you scroll through table of contents, pretty self explanatory, you will then see two pages or three pages actually just talking about both of the device. Yep. Now, essentially, that is just the areas we are focusing on today. So simply today, what we are looking at is your superannuation just to make sure we can make sure it grows as much as possible so that you can Yep. retire comfortably. Other things we're not considering, not making any changes to your insurances. You're quite happy with your IP Yes. policy Mhmm. and not really making any recommendations on debt or saving for travel. If it is something you do need assistance, leave down the track. Always just let us know, and we can always consider it then. Yep. Yep. Pampers.","start_word":572,"end_word":704,"sentiment":"neutral","sentiment_score":0.06215182719822217},{"text":"Perfect.","start_word":705,"end_word":705,"sentiment":"positive","sentiment_score":0.572335958480835},{"text":"Yep. Now as you scroll through, sorry, Mhmm. seven and eight, just some personal information about you. If you could just have a quick read over that for me Yep. just to make sure that's all up to date or if I need to make any changes in the back end. Yep.","start_word":706,"end_word":757,"sentiment":"neutral","sentiment_score":0.08789612352848053},{"text":"All looks pretty good. Great.","start_word":758,"end_word":762,"sentiment":"positive","sentiment_score":0.6652771234512329},{"text":"Which then takes us to page nine, which just shows you your current superannuation. So Mhmm. you have your super in net worth. You have approximately 264,359, and then you do have your Neos income protection listed under there as well. Yep. Perfect. Now on the next two pages, I'll let you have a read over that in your own time. If you just highlight that risk profile, So do you remember last time kind of talking about, you know, fluctuations and, you know, how much risk you are comfortable taking in your superannuation? Do you remember that? Yep. Yes.","start_word":763,"end_word":862,"sentiment":"neutral","sentiment_score":0.08086071163415909},{"text":"Perfect.","start_word":863,"end_word":863,"sentiment":"positive","sentiment_score":0.39261364936828613},{"text":"Now you did come out as a high growth investor. You were quite Mhmm. comfortable with it, so not making any changes at all Yep. in regards through that. Just literally swapping and changing some of the investments for you. Now if you wanna scroll to page 12 for me, Yep. The it's best basically recommendation. yep. So this basically outlines the recommendation. So I did do a lot of research on your Netwealth as well Mhmm. just to see if there were other options out there that was going to be quite competitive to Netwealth just to Mhmm. make sure we do have you in the best option.","start_word":864,"end_word":972,"sentiment":"neutral","sentiment_score":0.14413094520568848},{"text":"And Netwealth still very much is a very good option for you.","start_word":973,"end_word":984,"sentiment":"positive","sentiment_score":0.4815963208675385},{"text":"That was another one I did consider. It was slightly cheaper in administration fees, similar with investment choices. But because your investments have grown quite a lot, which is great, by making the switch through a new option, you would have to sell down all your investments, which will trigger a capital gains tax of 6,966. And the minimal changes in Admisie just wasn't worth you paying almost 7,000 in tax. Does that make sense? Yes. Yes. Yes.","start_word":985,"end_word":1062,"sentiment":"neutral","sentiment_score":0.006414367602421687},{"text":"Perfect. Now this basically puts all of that in words for you. It will outline the advantages in regards to the recommendations.","start_word":1063,"end_word":1084,"sentiment":"positive","sentiment_score":0.3859853148460388},{"text":"So keeping you in net worth by changing some of the investments. What those changes are, I'll go over with you shortly. You will have some disadvantages and some risks associated as well. So one of the risk is that there's always a level of risk associated with any investment option. That all makes sense so far? Yes. That makes sense. Yes. Yep. Perfect. So what I'll actually get you to do first, if you wanna scroll down to page 17 for me, it Yep. should say the comparison table. What page was 17. it? And 17. it's like a table with some numbers. Yep. Perfect. Post This comparison. often Alright. Yep. yeah, now this often makes it a bit easier to see, which is kind of all the words that I talked about earlier. But, essentially, you can see here your current situation. So you can see your current net worth, what you are paying for in that fees. You can then also see your five year rolling average Mhmm. on your current portfolio. So what I have recommended, you can see on the other side, staying within net wealth, but changing some of those investments.","start_word":1085,"end_word":1281,"sentiment":"neutral","sentiment_score":0.097353994846344},{"text":"And you can actually see that by swapping the investments even though we are keeping you in a high growth portfolio, it's saving you $1,185 a year in investment fees alone, Yes. which is pretty big. That is a lot.","start_word":1282,"end_word":1321,"sentiment":"positive","sentiment_score":0.4152997732162475},{"text":"Yes. Yes. Now at the top where it says the difference of the balance of 439, that is the approximate capital gains tax. So by switching some of the investments, there will be some tax within superannuation, and we've managed to get it down to about 439, Mhmm. which isn't that much given the investment fee changes alone that you will save. Yep. Yep. Now you can also see using the same five year rolling average period on the new recommended portfolio. Mhmm.","start_word":1322,"end_word":1404,"sentiment":"neutral","sentiment_score":0.11342632218477236},{"text":"You can see that it has, you know, historically performed quite a bit better, which is great.","start_word":1405,"end_word":1421,"sentiment":"positive","sentiment_score":0.5869055390357971},{"text":"Do you have any questions so far? No. I think I've I've I've I'll go back over it in more detail, but it's making Yes. sense so far. Yep. Yes.","start_word":1422,"end_word":1451,"sentiment":"neutral","sentiment_score":0.07741087675094604},{"text":"Perfect.","start_word":1452,"end_word":1452,"sentiment":"positive","sentiment_score":0.499009370803833},{"text":"Now if you scroll down one more page to page 18, Yep. it kind of shows you this projected five and ten years so that you can see. Assuming, obviously, kind of contributions, insurances, and stuff stays the same, it will then show you, you know, that it does make quite a big difference by changing some of those investments around for you. Yes. Mhmm. And underneath that, you can also see the investment return. So you can see the twelve month, three, and five, outlined. So, again, Yes. the new recommended investments have performed better, which is Mhmm. correct. But we do wanna look at changing those for you. Now, Pippa, if you can scroll back up for me to page Yep. 15. Yep. Yeah. Perfect. Now this outlines the changes in the investment. So this one can look a bit messy. Essentially, the reds are the ones we are selling. Okay. So we are selling some of those investments. Now you can see that we are still even though it says minus 737 in gold, we are still keeping gold at 7%, just rebalancing it. So those are basically just a change in the value. We are completely selling out of the iShares miscue, which is the one, two, three, four down. We are also completely selling out of that Benelon Australian equity. That was the one I kind of spoke a little bit about last time that recently has underperformed, so we do wanna swap that one out for you. Yep.","start_word":1453,"end_word":1706,"sentiment":"neutral","sentiment_score":0.06282228589292586},{"text":"And, again, Japan, we are keeping that in the portfolio because it's done pretty good, just rebalancing it again for you.","start_word":1707,"end_word":1727,"sentiment":"positive","sentiment_score":0.4790669679641723},{"text":"So those are kind of the the changes, and then the bottom three is what we are then introducing instead. So instead of the Benelon, we have changed it to the beta shares Australia 200 because we do still wanna give you the Australian equity exposure. So if we take away the Australian equity, we wanna make sure we replace it with another option to make Yep. sure that overall your portfolio is well diversified across the globe as well. Mhmm. So the BetaShares Australia, 200 at 25%, Basically, just invests in the 200 largest companies listed on the ASX. So in Australia and you'll have all Okay. the big companies like, Yes. you know, Commonwealth and BHP and Woolworths, for example. So it is Mhmm. kind of all those big companies there. And then instead of the whiskey world, so kind of a similar one, we have swapped this for the Vanguard all worlds. You may have heard of Vanguard. They are quite big before, but, essentially, that one is at 8%. Mhmm. But sorry. You basically invest in around the globe, but it's excluding The US because we already have that US exposure in the ISF S and P 540. Yep. So we don't wanna obviously overdo one area as Yep. well. Yeah. We wanna make sure it is well rounded. So so, overall, there's no big changes. There's Mhmm.","start_word":1728,"end_word":1959,"sentiment":"neutral","sentiment_score":0.0931043103337288},{"text":"just a couple of those investments that we have changed out simply to try and improve the returns and reduce the fees a little bit for you so that when you do retire, it'll put in a little bit better position.","start_word":1960,"end_word":2000,"sentiment":"positive","sentiment_score":0.3754408955574035},{"text":"Yes. Yep. Now in the appendix, which is if you go back out later, I don't have to do it now, you will see a couple of attachments. So you'll have a appendix and some supporting documents. That is basically some research for you if you do wanna read up on it. Okay. And in Yep. the appendix, there are actually investment links to all of these investments. So if it is that you want to go and have a read over this in a bit more detail as well, you're more than welcome to do so. Yep.","start_word":2001,"end_word":2098,"sentiment":"neutral","sentiment_score":0.1439639925956726},{"text":"Correct. Thank Yep. you. Perfect.","start_word":2099,"end_word":2103,"sentiment":"positive","sentiment_score":0.5254234075546265},{"text":"Now on the next page, you will then see the asset allocation table. You're gonna have a little pie chart as well. Can you see that? Yep. Yes. Yep. I did.","start_word":2104,"end_word":2134,"sentiment":"neutral","sentiment_score":0.17366346716880798},{"text":"Perfect.","start_word":2135,"end_word":2135,"sentiment":"positive","sentiment_score":0.45734575390815735},{"text":"So you can see here the the second column where it says the risk profile is that ninety ten split, 90 growth, 10 defensive. You have the existing portfolio and then the proposed. And you can see that both existing and the proposed are quite similar in regards through that risk allocation for you. Any questions so far? No. I think No. I can Yep. Yeah. Mhmm. Perfect. Which almost takes us through the end, actually. And if you then wanna scroll through page 21 for me, I just wanna highlight the remuneration for you once more just to be sure. Yep. Page 20 Yes.","start_word":2136,"end_word":2240,"sentiment":"neutral","sentiment_score":0.1329731047153473},{"text":"So, obviously, if you are happy one.","start_word":2241,"end_word":2247,"sentiment":"positive","sentiment_score":0.38029590249061584},{"text":"to go ahead with this change when you've had a time to have a read over it, there Mhmm. is no additional fees or charges at all to make the change. It is simply just that usual 1.65 ongoing Yes. device fee. It's all part of the service.","start_word":2248,"end_word":2295,"sentiment":"neutral","sentiment_score":0.2517123818397522},{"text":"Obviously, all the research and everything is all part of that.","start_word":2296,"end_word":2306,"sentiment":"positive","sentiment_score":0.3649378716945648},{"text":"So if it is that you do wanna go ahead, no additional fees or charges at all. Mhmm. Yep. Now we have this listed underneath that as well, the insurances. So we do get commissions from the insurer, Yep. which is 23% of the premium ongoing, but that is me of paying us. It is not you paying us But for compliance purposes and to make sure that you are fully informed of everything, we do have to disclose it so you are aware. But, again, it is not you paying that amount. It is the insurer paying us. Yes. Any questions? No. I think that No. makes sense. Yeah.","start_word":2307,"end_word":2416,"sentiment":"neutral","sentiment_score":0.04841491427611221},{"text":"Perfect.","start_word":2417,"end_word":2417,"sentiment":"positive","sentiment_score":0.430396020412445},{"text":"Which essentially just summarizes everything at the end. So it talks about authority to proceed. That is if you are happy to go ahead. Basically, we are keeping your net wealth and not making any changes Mhmm. there. Literally just swapping some of those investments for you. And by going ahead when you've had a time to have a read over it, if you do read over it and you have a couple of more questions, just give me a call or we can always go through it. Yep. If you go through it and you don't have any questions and you are happy to to go ahead, then from here would be for you to just sign the document digitally. I will then get notified, and then I can let the team know to go ahead with the change, essentially. Okay. Yeah.","start_word":2418,"end_word":2560,"sentiment":"neutral","sentiment_score":0.23480549454689023},{"text":"That was Great. essentially everything I had to run through with you today.","start_word":2561,"end_word":2573,"sentiment":"positive","sentiment_score":0.5797264575958252},{"text":"So pretty straightforward, but do you have any questions for me otherwise at this point? Look. Not not at this stage. I may Yep. be in touch, but yeah. Yes.","start_word":2574,"end_word":2603,"sentiment":"neutral","sentiment_score":0.08784682303667068},{"text":"That is perfectly fine. Take your time to have a read over it.","start_word":2604,"end_word":2616,"sentiment":"positive","sentiment_score":0.35323262214660645},{"text":"Like I Mhmm. said, you can always give me a call or even just send send us an email if there's any questions, Great.","start_word":2617,"end_word":2640,"sentiment":"neutral","sentiment_score":0.22861269116401672},{"text":"and we can always go through anything that way as well. Perfect. Thank Well, you. thank you so much for your time this afternoon, and I will let you get back to you afternoon.","start_word":2641,"end_word":2674,"sentiment":"positive","sentiment_score":0.5984278321266174},{"text":"And like I said, any questions, don't hesitate to give me a call.","start_word":2675,"end_word":2687,"sentiment":"neutral","sentiment_score":0.14666765928268433},{"text":"Great. Thank you so Mhmm. much, Veronica.","start_word":2688,"end_word":2694,"sentiment":"positive","sentiment_score":0.5929211378097534},{"text":"No no Alright. problem at all. We'll speak soon.","start_word":2695,"end_word":2703,"sentiment":"neutral","sentiment_score":0.03790675103664398},{"text":"Thanks.","start_word":2704,"end_word":2704,"sentiment":"positive","sentiment_score":0.5651530027389526},{"text":"Bye. Okay. Bye.","start_word":2705,"end_word":2707,"sentiment":"neutral","sentiment_score":0.18149395287036896}],"average":{"sentiment":"neutral","sentiment_score":0.13996175575152064}}}}