{"metadata":{"transaction_key":"deprecated","request_id":"019f7dff-6d93-7fd2-b141-239dc235ec85","sha256":"dcaa70c70af4e16f0809737dc8e6ae67ab49dc5f8bfd8a83d07be1848d7f7ba0","created":"2026-07-20T05:28:44.287Z","duration":1412.568,"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":5425,"output_tokens":133},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6103,"output_tokens":6115},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6103,"output_tokens":689}},"results":{"channels":[{"alternatives":[{"transcript":"Good day, Colin. Tommy here from Oakview Financial senior adviser. How are you doing? Yeah. It's Tommy. How are you doing? Mate, I can hear you loud and clear. How am I coming on your end? Okay. No worries. Do you mind if I go through and update a few details with you while you're driving? Perfect, mate. So I've got a bit of an annual review pack to send through to your email. Before I do that, could you just confirm your date of birth and address for security for me, Carl? Yep. Fantastic. Thank you for that, mate. And you okay for the call to be recorded? Amazing. Amazing. So I'm gonna pop this through. I know you're driving, so I'm just gonna make sure this is through to your email address. I'm assuming your y seven mail is still okay? Perfect. So what's coming through to you today is just a bit of an updated report from your hub twenty four. They've got a bit more of a fancier report these days, but easier on the eyes than the old ones. And we've got some updated financial services guides and agreements for Oakview as well there, mate. Okay? Cool. Now in particular, is there anything you would like me to focus on for this review? Anything in particular you're hoping to get out of this conversation? Fantastic. So just while I've got you in the car, I'm gonna go through a couple details because we've got a new system now custom built for us. Just make sure the details match if that's alright. Perfect. So we've got phone, email, and address is all correct. We had you married with two children and electrician for DP World. Now I'm assuming based on the contributions I'm seeing that your income's probably gone up to about 200,000 for the year. Does that sound about right? Yep. Okay. I'll go for $1.90 to be a bit conservative to start with. Sensational. And the only other thing I wanted to quickly check with you just in terms of assets and liabilities, Cole, we had your home, two cars, an offset account, and a home in Samoa. Now with the home, we had you owing about 305,000 at the time, and that was a pretty big focus for you to pay off. Have you put a chunk out of that so far? Awesome. And now you've got a few more rentals to go? Or oh, perfect. Okay. And I'm gonna get a bit of an updated online valuation here because the market's changed a little bit. Not so much out your way, but they're they're still saying around about that 715,000 mark. Perfect. Thank you for that. Two cars. We had about 15,000 in the offset. Did you use most of that for the renos, or have you managed to build your savings? Yep. Sensational. And outside of the home in Samoa there, any other loans or assets you picked up since we last spoke to you? So you've got one that's $3,538,000. I think we had a combined of two vehicles of about 60. Is the other one worth about 25? Yes. Okay. That's perfect. Thank you for that. Alrighty. And nothing else floating around, loans or assets? Amazing. Thank you heaps for that. And, mate, did you get a end up getting, like, a will in place since we last spoke to you? No. That's fair enough, mate. It's usually in the back of people's minds, so yearly reminder at some point. Oh, yeah? Cool. So if it's easy for you, because I know when you've got assets between countries, probably better off to talk to a lawyer as point number one. You've got the public trust in courthouse of the state can also do wills. And if you wanna go that way, you can get a kit from the post office for $25, but they're very basic. Okay? The one thing I wanted to sort out for you today as well was just in terms of beneficiaries for the super. Because once we moved you across from Netwealth into the hub, I just wanna make sure that that's been put in place. I'm assuming you would you're trying to put your wife on there as the beneficiary for the super. Is that correct? Yeah. So kids in a will is at any point. When it comes to beneficiaries of your super, if you include someone who's under 18, then if they get the money, whoever's their guardian looks after the funds on their behalf. So it's a bit easier to go to, like, a spouse because then it's all kind of tax free. Whereas when they're over 18, they're no longer a tax dependent, so they cop a little bit on there. Okay. So I will have to send you out a form to get that witnessed for it to be on the hub. Is that okay? Cool. I'll get that all that prefilled for you. We'll do a nice clean binding legally binding nomination. And do you want it to expire every three years or just have it continuous until you change it? Easy done. Because that way I can kind of prefill most of the details for you, and then it's just getting it witnessed. Beautiful. Now when it comes to the super day call, do you usually log in and check-in Netwealth or your hub away, or do you usually just wait for the reviews? Perfect. And do you tie kind of marry it up with whatever's going on in the news at the time? Or yeah. Absolutely. You've had a pretty good run of it, thankfully, because I know that the team puts you in a bit better of a portfolio when they switched you across the hub, so it hasn't gone into the negative like the previous one. It's still up. I think you you've gone from $683,000 to $7.33, including your contributions and your growth. So there's been about $30 worth of net growth on top of your contributions in there. So it's still growing, but it's definitely had a bit of a slow year compared to last year. Perfect. Two things I wanted to talk to you about. So one thing in terms of risk level, because I had you with retiring around age 60, you hit your preservation age. You're wanting to retire pretty early. Does that sound right? Absolutely. So I wanna have a little bit of a a careful talk about risk level because what's essentially gonna happen is you're in a growth portfolio. You're a four out of five at this point, just above medium. Now growth portfolio is great. You get your nine to 12% average returns. We love that double digits are great. You're in your last period of getting that growth because each year, you could be 800,900 then a million all in a few years' time. Does that make sense? But at the same time, if the market crashes and the world explodes, I don't want you to drop down to 500,000 all of a sudden, and then you've got to wait another five years to retire. Do you know what I mean? So I kinda call that the sequencing risk where it's like, it's all good to get the returns now, but if you're a day off retirement, you probably don't wanna be too high risk. So in terms of risk level, I was gonna talk to you about whether we stay growth or whether we just drop it down a peg into the middle, go a bit more medium with it, but it depends on how much you're wanting for that retirement income. So the question I've got is the mortgage, how close do you reckon you're gonna be to kind of knocking that out over the next few years? Yep. Yep. Then that would be good. You can kind of finish off the mortgage and have that left over to live off. Perfect. Perfect. So what that'll kind of do, let's say you get there and there's a well, let's say worst case scenario, you've still got a couple $100 owing on the mortgage and you hit a million and you trim 200 off, that 800,000 is gonna be paying you somewhere between 40 to 80,000 tax free, and that's, like, enough to go past life expectancy. So that thousand dollars a week, $1,500 a week, that kind of thing with the mortgage paid down. K. How's that sounding for you? Okay. Perfect. Now when you're in a growth portfolio, I usually recommend that if you're if you're staring at more like seven to eight years. If we're still possibly looking at that three or four, we might be cutting it a bit tight in terms of risk level. So what I wanted to talk to you about today so I'll give you a bit of an example. You've got about 24,000 going in in contributions before tax. So let's just say you've got $7.33, and you add in that sort of 19,000 after tax. And let's say you only get, like, a seven and a half percent return, like a medium balance one, that'll kinda get you more like a $9.50, $9.60 mark. K? That's by taking a a lower level of risk than what you're currently doing. So whether you wanted to maybe just go down that one peg and then whether it's 60 or 61, we just kind of decide together when to pull the trigger based on, you know, when you get that last really good jump in the markets, you just take the winnings and kind of convert it over into a pension after that. Yeah. That's kind of what I would advise. Like, if it's the difference between a twelve month difference in retirement versus potentially having to wait four years for it to bounce back from a market crash, I would kind of be looking towards the former. Okay. Cool. Again, we don't wanna get all this growth and lose it all at the end point, so I think that would be pretty prudent. At the same time, though, the other thing I wanted to do is we're looking at a few investments. I've just gotten back talking to the investment committee and a few different seminars with some fund managers, and we've found some really good funds that are a little bit lower fees. So what I'm thinking is if I lower down the risk level a little bit, we could also maybe lower your investment fees. And there's, I think, out of the eight funds that you've got, one of them has not been doing so well. So if I do a bit of an engine tune up and switch that guy out, I could probably bump up the returns a little bit too. Perfect. So I can put that together as a bit of a updated projections for you and kind of show you what that retirement looks like. Now in terms of the mortgages and the contributions, are you making any extra repayments on the mortgage or pulling funds in the offset, or is it just the standard monthly? Perfect. Do you know around about how much your fortnightly repayments are? Just so I can include that in the projections. Yep. Okay. That'll help me just project out what's gonna be left over on that liability for you. And in terms of the contributions, do you want me to model it on just what your employer's putting in? Are you looking at doing a bit of salary sacrifice? What's your thoughts on that side? You're right. Yeah. It's gone up to 32 and a half, which works out to be about $3.26 a fortnight for you. And whenever I do that, I like to go a bit more conservative with it. So safely, 300 a fortnight or less. Okay. Alright. Now just so your own like, I know you've done it before, but that 200, if we go off the standard kind of tax thing, probably costs you about 140 in the hand for that pretax contribution. So if you want, I can at least just model that and show you the difference that that makes over the next few years of doing that 200 a fortnight. Yep. Alrighty. So I'll mix that in. That's looking pretty good too. So the aim of the game basically is I wanna drop down the risk level a little bit, drop down the fees a little bit, improve the contributions, and switch out some of the investments that aren't doing as well as the other ones, and that should get you a really good outcome for the next few years. Perfect. So I will get the team to research that and put together an updated plan. I'm gonna do a bit of a retirement analysis to show you kind of once you pay off the mortgage, how long the funds are gonna last based on that thousand to 1,500 a week after tax. Alrighty. Any questions on that so far? I know I'm still gonna put the plan together, but do you like what what we're leaning towards? Perfect. Well, that's my job, mate, is to guide you nice and safely into port for the next few years and then send you away within a low half flowers around your neck, and you can send us some photos back. Oh, no. That's right. You are in the port. That's fantastic. I didn't mean that pun, but worked out pretty well. Alrighty. So, mate, anything else that I can do for you today? You can do that, but as an adviser, I have to advise you to wait until you see the document first because it's kind of that wants you to implement the advice before I've shown you. But if you feel confident and safe that you've done it before, by all means. Yeah. Yep. And see if it's worth it in terms of an impact to to bother. Amazing. I know there's probably not any need to do anything insurance wise. Just wanted to ask the question if you were wanting me to look at anything insurances wise or just focus on the retirement. Yep. Yeah. And that'll clear the mortgage. It'll have a whole bunch left over. Like, you use insurance to cover the deficit of the assets that you don't have. Now that you've got the assets, do you need it? And the last thing you probably want is another $10,000 coming out of your super and additional fees for something that you don't necessarily need. Yeah. And you can get a policy for everything these days. Absolutely. So between the wills, the beneficiaries, the portfolio, and everything, that's all looking pretty good. Alrighty. Outside of that, inside that pack I've sent you, it's just got the updated service agreement to remain advisers on hub twenty four if you're still comfortable with the services. Just bear in mind two little things. First of all, you are well and truly above our cap, which is 600,000 in terms of the fees. So the 1.65% caps at 600,000. You're well and truly above that, so it's flat at this point. Next year, Colin, we are bringing in tiered fee structures. So for everyone above 200,000, we're gonna start dropping and giving some percentage discounts to everybody. So I'll leave that as the current agreement for the twelve months, but next time I speak to you after that, we'll go through that new update once we've got all the the guides and legal documents written up. Perfect. Alright. That's pretty much everything I needed so far. Anything else I can help you with before I let you enjoy your day picking up your daughter? Yeah. That's half our job, Colton. It's just good reminder and just to get that little bit of movement going where people otherwise wouldn't. But leave it with me. I'll put together a nice, beautiful plan for you. We'll get everything kind of moving smoothly in towards that port. And like I said, drop the risk down, drop the fees, get the performance up a little bit, and you should be having a good few years. The only warning I'm gonna give you is the same one I'll give you when we go through the document is sometime over the next few years, the market is probably gonna have a bit of a dive again. We kind of expect that with what's currently going on, but I'm factoring in that we can still get you there even once it bounces back after that. Cool. So the main thing is, again, I don't want you dropping down $250,000 in a single year because we've left you in too high risk for too long. Cool. Outside of that, mate, I probably need a couple of weeks. I've just gotten back from paternity leave, so I've booked out at the moment. But are you okay if the team reaches out in a fortnight and just gets you booked in to go through that plan with me? Perfect. Perfect. Perfect. If there's anything else we need, we will reach out. But outside of that, we'll send you those beneficiary forms. Colin, do you have access to a a printer to print out the forms, or do you want me to post them with a return envelope? Well, it's easier. Easy done. And I'll prefill them in with that binding nonlapsing nomination to your spouse there. Do you want me to put in her details as well in terms of date of birth and everything? Or the only one I don't have is the date of birth. 1984. So we've got MacNeil, 11/29/1984. And middle name? No middle name. Perfect. Alrighty. Yeah. I can get that prefilled. No worries at all. No worries. Thank you for yours, Colin, and I will speak to you in a couple of weeks. Alrighty, man. Have a great day. Thank you so much. Bye.","confidence":0.9992518,"words":[{"word":"good","start":2.72,"end":2.96,"confidence":0.95743644,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.4303606450557709},{"word":"day","start":2.96,"end":3.12,"confidence":0.99149287,"punctuated_word":"day,","sentiment":"positive","sentiment_score":0.3789854049682617},{"word":"colin","start":3.12,"end":3.4399998,"confidence":0.8574743,"punctuated_word":"Colin.","sentiment":"neutral","sentiment_score":0.3273223340511322},{"word":"tommy","start":3.4399998,"end":3.6799998,"confidence":0.9917065,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.24701878428459167},{"word":"here","start":3.6799998,"end":3.84,"confidence":0.9996314,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.31019189953804016},{"word":"from","start":3.84,"end":4.08,"confidence":0.99894875,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.361878514289856},{"word":"oakview","start":4.08,"end":4.48,"confidence":0.8856095,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.22311699390411377},{"word":"financial","start":4.48,"end":4.96,"confidence":0.9919436,"punctuated_word":"Financial","sentiment":"neutral","sentiment_score":0.28741931915283203},{"word":"senior","start":4.96,"end":5.2799997,"confidence":0.6856934,"punctuated_word":"senior","sentiment":"neutral","sentiment_score":0.23461303114891052},{"word":"adviser","start":5.2799997,"end":5.68,"confidence":0.95265055,"punctuated_word":"adviser.","sentiment":"neutral","sentiment_score":0.24954518675804135},{"word":"how","start":5.68,"end":5.8399997,"confidence":0.99987257,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.26731622219085693},{"word":"are","start":5.8399997,"end":5.92,"confidence":0.71723205,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.24109624326229095},{"word":"you","start":5.92,"end":6.0,"confidence":0.9997912,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20513875782489777},{"word":"doing","start":6.0,"end":6.5,"confidence":0.999944,"punctuated_word":"doing?","sentiment":"neutral","sentiment_score":0.17234893143177032},{"word":"yeah","start":8.88,"end":9.12,"confidence":0.9752333,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03552959859371185},{"word":"it's","start":9.12,"end":9.28,"confidence":0.9990827,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.05295150727033615},{"word":"tommy","start":9.28,"end":9.599999,"confidence":0.998847,"punctuated_word":"Tommy.","sentiment":"neutral","sentiment_score":0.0753353163599968},{"word":"how","start":9.599999,"end":9.76,"confidence":0.99989164,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.14036531746387482},{"word":"are","start":9.76,"end":9.92,"confidence":0.8742238,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1128465011715889},{"word":"you","start":9.92,"end":10.0,"confidence":0.99985576,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08987888693809509},{"word":"doing","start":10.0,"end":10.5,"confidence":0.9999405,"punctuated_word":"doing?","sentiment":"neutral","sentiment_score":0.07342376559972763},{"word":"mate","start":18.095001,"end":18.255001,"confidence":0.96398544,"punctuated_word":"Mate,","sentiment":"neutral","sentiment_score":0.03505488485097885},{"word":"i","start":18.255001,"end":18.415,"confidence":0.9998516,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03821145370602608},{"word":"can","start":18.415,"end":18.575,"confidence":0.9996799,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03018027171492577},{"word":"hear","start":18.575,"end":18.815,"confidence":0.999632,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.014984449371695518},{"word":"you","start":18.815,"end":18.895,"confidence":0.999108,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02787733264267445},{"word":"loud","start":18.895,"end":19.215,"confidence":0.99980575,"punctuated_word":"loud","sentiment":"neutral","sentiment_score":0.04379609227180481},{"word":"and","start":19.215,"end":19.295,"confidence":0.99976856,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0461910143494606},{"word":"clear","start":19.295,"end":19.615,"confidence":0.99907744,"punctuated_word":"clear.","sentiment":"neutral","sentiment_score":0.013797061517834663},{"word":"how","start":19.615,"end":19.775,"confidence":0.9995254,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.011817168444395064},{"word":"am","start":19.775,"end":19.855,"confidence":0.9954389,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.012621607631444933},{"word":"i","start":19.855,"end":20.015,"confidence":0.9997874,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01057341694831848},{"word":"coming","start":20.015,"end":20.335,"confidence":0.995739,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.01194498036056757},{"word":"on","start":20.335,"end":20.575,"confidence":0.9980842,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.014657434076070786},{"word":"your","start":20.575,"end":20.815,"confidence":0.99916935,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0019334517419338224},{"word":"end","start":20.815,"end":21.315,"confidence":0.99381554,"punctuated_word":"end?","sentiment":"neutral","sentiment_score":0.0035419752821326256},{"word":"okay","start":30.990002,"end":31.310001,"confidence":0.99856997,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09714768826961516},{"word":"no","start":31.310001,"end":31.550001,"confidence":0.9998902,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.12057554721832275},{"word":"worries","start":31.550001,"end":31.87,"confidence":0.99990183,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.09373916685581209},{"word":"do","start":31.87,"end":31.95,"confidence":0.9995683,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.05399039760231972},{"word":"you","start":31.95,"end":32.11,"confidence":0.99991715,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05395173281431198},{"word":"mind","start":32.11,"end":32.27,"confidence":0.9999896,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.0667901337146759},{"word":"if","start":32.27,"end":32.43,"confidence":0.9998934,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08068875223398209},{"word":"i","start":32.43,"end":32.59,"confidence":0.9997136,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08584050089120865},{"word":"go","start":32.59,"end":32.75,"confidence":0.99993956,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07827037572860718},{"word":"through","start":32.75,"end":32.99,"confidence":0.9999627,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07406535744667053},{"word":"and","start":32.99,"end":33.15,"confidence":0.980899,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06945556402206421},{"word":"update","start":33.15,"end":33.47,"confidence":0.99989426,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.06342897564172745},{"word":"a","start":33.47,"end":33.55,"confidence":0.999856,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0754154771566391},{"word":"few","start":33.55,"end":33.71,"confidence":0.99999,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.062172383069992065},{"word":"details","start":33.71,"end":34.190002,"confidence":0.9998901,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.08667542040348053},{"word":"with","start":34.190002,"end":34.27,"confidence":0.9999355,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06419631838798523},{"word":"you","start":34.27,"end":34.43,"confidence":0.9997162,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06859955191612244},{"word":"while","start":34.43,"end":34.67,"confidence":0.9989706,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.06860844790935516},{"word":"you're","start":34.67,"end":34.75,"confidence":0.9991827,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06686095148324966},{"word":"driving","start":34.75,"end":35.25,"confidence":0.99973744,"punctuated_word":"driving?","sentiment":"neutral","sentiment_score":0.0647437646985054},{"word":"perfect","start":37.565,"end":37.964996,"confidence":0.98032653,"punctuated_word":"Perfect,","sentiment":"positive","sentiment_score":0.5124438405036926},{"word":"mate","start":37.964996,"end":38.204998,"confidence":0.9969516,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.4665861129760742},{"word":"so","start":38.204998,"end":38.364998,"confidence":0.99982303,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.32570773363113403},{"word":"i've","start":38.364998,"end":38.524998,"confidence":0.99966085,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2790749967098236},{"word":"got","start":38.524998,"end":38.605,"confidence":0.9998727,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2127812057733536},{"word":"a","start":38.605,"end":38.684998,"confidence":0.9997495,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20211806893348697},{"word":"bit","start":38.684998,"end":38.765,"confidence":0.99995863,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2125687599182129},{"word":"of","start":38.765,"end":38.925,"confidence":0.9998784,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2833223342895508},{"word":"an","start":38.925,"end":39.004997,"confidence":0.99988043,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2694839537143707},{"word":"annual","start":39.004997,"end":39.324997,"confidence":0.99972016,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.2760593295097351},{"word":"review","start":39.324997,"end":39.644997,"confidence":0.9999018,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.22264985740184784},{"word":"pack","start":39.644997,"end":39.804996,"confidence":0.9916392,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.25189128518104553},{"word":"to","start":39.804996,"end":39.964996,"confidence":0.99899274,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2188170850276947},{"word":"send","start":39.964996,"end":40.204998,"confidence":0.99928576,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1739361137151718},{"word":"through","start":40.204998,"end":40.445,"confidence":0.99990225,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2159561961889267},{"word":"to","start":40.445,"end":40.605,"confidence":0.9989998,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26887568831443787},{"word":"your","start":40.605,"end":40.844997,"confidence":0.99979573,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24719171226024628},{"word":"email","start":40.844997,"end":41.344997,"confidence":0.9960555,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.2151212841272354},{"word":"before","start":41.565,"end":42.045,"confidence":0.999363,"punctuated_word":"Before","sentiment":"neutral","sentiment_score":0.1152980700135231},{"word":"i","start":42.045,"end":42.125,"confidence":0.9999665,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.105254165828228},{"word":"do","start":42.125,"end":42.364998,"confidence":0.99996114,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1372324824333191},{"word":"that","start":42.364998,"end":42.864998,"confidence":0.9994557,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.10887128114700316},{"word":"could","start":43.004997,"end":43.164997,"confidence":0.99919444,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.11549099534749983},{"word":"you","start":43.164997,"end":43.405,"confidence":0.9999143,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1115785539150238},{"word":"just","start":43.405,"end":43.644997,"confidence":0.9998988,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11627563089132308},{"word":"confirm","start":43.644997,"end":44.144997,"confidence":0.9997931,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.1000334843993187},{"word":"your","start":44.284996,"end":44.765,"confidence":0.9997925,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07441394031047821},{"word":"date","start":44.765,"end":44.925,"confidence":0.9998801,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.08170270919799805},{"word":"of","start":44.925,"end":45.085,"confidence":0.99778986,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09495113044977188},{"word":"birth","start":45.085,"end":45.324997,"confidence":0.99998045,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.08382607251405716},{"word":"and","start":45.324997,"end":45.484997,"confidence":0.9996686,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10829946398735046},{"word":"address","start":45.484997,"end":45.885,"confidence":0.9998776,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.0866328552365303},{"word":"for","start":45.885,"end":46.125,"confidence":0.9961971,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11199453473091124},{"word":"security","start":46.125,"end":46.604996,"confidence":0.99992967,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.11756043136119844},{"word":"for","start":46.604996,"end":46.765,"confidence":0.997407,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12015672773122787},{"word":"me","start":46.765,"end":46.925,"confidence":0.9897639,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.13258588314056396},{"word":"carl","start":46.925,"end":47.425,"confidence":0.7060629,"punctuated_word":"Carl?","sentiment":"neutral","sentiment_score":0.1072053462266922},{"word":"yep","start":51.58,"end":52.08,"confidence":0.98242855,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.059125274419784546},{"word":"fantastic","start":57.58,"end":58.08,"confidence":0.99935853,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5954493284225464},{"word":"thank","start":58.14,"end":58.38,"confidence":0.99992585,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6516770124435425},{"word":"you","start":58.38,"end":58.54,"confidence":0.9998871,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6426806449890137},{"word":"for","start":58.54,"end":58.620003,"confidence":0.9999238,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6658668518066406},{"word":"that","start":58.620003,"end":58.78,"confidence":0.9980147,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.60901939868927},{"word":"mate","start":58.78,"end":58.940002,"confidence":0.77205294,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.5862273573875427},{"word":"and","start":58.940002,"end":59.100002,"confidence":0.9960486,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2566268742084503},{"word":"you","start":59.100002,"end":59.34,"confidence":0.8732988,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1507078856229782},{"word":"okay","start":59.34,"end":59.58,"confidence":0.53542376,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.1140257641673088},{"word":"for","start":59.58,"end":59.74,"confidence":0.9988626,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1452870815992355},{"word":"the","start":59.74,"end":59.82,"confidence":0.99987626,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1554986536502838},{"word":"call","start":59.82,"end":59.980003,"confidence":0.9999682,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.14852261543273926},{"word":"to","start":59.980003,"end":60.14,"confidence":0.9997662,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11857351660728456},{"word":"be","start":60.14,"end":60.300003,"confidence":0.9999156,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1429743617773056},{"word":"recorded","start":60.300003,"end":60.800003,"confidence":0.9995514,"punctuated_word":"recorded?","sentiment":"neutral","sentiment_score":0.1544112116098404},{"word":"amazing","start":63.325,"end":63.725002,"confidence":0.9971441,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.43997177481651306},{"word":"amazing","start":63.725002,"end":64.125,"confidence":0.99972117,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.3993757963180542},{"word":"so","start":64.125,"end":64.285,"confidence":0.9996815,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21122777462005615},{"word":"i'm","start":64.285,"end":64.445,"confidence":0.9999366,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.23300276696681976},{"word":"gonna","start":64.445,"end":64.685,"confidence":0.8846702,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.20806728303432465},{"word":"pop","start":64.685,"end":64.925,"confidence":0.9993826,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.17015230655670166},{"word":"this","start":64.925,"end":65.085,"confidence":0.9997913,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1350875049829483},{"word":"through","start":65.085,"end":65.325,"confidence":0.9910407,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.16468438506126404},{"word":"i","start":65.325,"end":65.405,"confidence":0.99996996,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07664551585912704},{"word":"know","start":65.405,"end":65.565,"confidence":0.99995327,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.06921958923339844},{"word":"you're","start":65.565,"end":65.805,"confidence":0.9993876,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.057217150926589966},{"word":"driving","start":65.805,"end":66.125,"confidence":0.9780124,"punctuated_word":"driving,","sentiment":"neutral","sentiment_score":0.06760411709547043},{"word":"so","start":66.125,"end":66.285,"confidence":0.9998417,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0815841406583786},{"word":"i'm","start":66.285,"end":66.365,"confidence":0.99997365,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1289718598127365},{"word":"just","start":66.365,"end":66.525,"confidence":0.99973315,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13067975640296936},{"word":"gonna","start":66.525,"end":66.765,"confidence":0.9770971,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.13561579585075378},{"word":"make","start":66.765,"end":66.925,"confidence":0.9993475,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1152029186487198},{"word":"sure","start":66.925,"end":67.165,"confidence":0.9996259,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1403004825115204},{"word":"this","start":67.165,"end":67.405,"confidence":0.9997813,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.15195272862911224},{"word":"is","start":67.405,"end":67.565,"confidence":0.9988605,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15922421216964722},{"word":"through","start":67.565,"end":67.805,"confidence":0.9998054,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.13604502379894257},{"word":"to","start":67.805,"end":67.965004,"confidence":0.99771947,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13880906999111176},{"word":"your","start":67.965004,"end":68.205,"confidence":0.9997211,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.125156432390213},{"word":"email","start":68.205,"end":68.525,"confidence":0.99982125,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.13782747089862823},{"word":"address","start":68.525,"end":69.025,"confidence":0.99989575,"punctuated_word":"address.","sentiment":"neutral","sentiment_score":0.09534020721912384},{"word":"i'm","start":69.325,"end":69.485,"confidence":0.75925547,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05488930270075798},{"word":"assuming","start":69.485,"end":69.885,"confidence":0.9820723,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.05582641437649727},{"word":"your","start":69.885,"end":70.125,"confidence":0.99658835,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0547608882188797},{"word":"y","start":70.125,"end":70.285,"confidence":0.9811265,"punctuated_word":"y","sentiment":"neutral","sentiment_score":0.06397266685962677},{"word":"seven","start":70.285,"end":70.685,"confidence":0.99965894,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.07004532217979431},{"word":"mail","start":70.685,"end":70.845,"confidence":0.97917753,"punctuated_word":"mail","sentiment":"neutral","sentiment_score":0.04787503927946091},{"word":"is","start":70.845,"end":71.005005,"confidence":0.99679655,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04269896447658539},{"word":"still","start":71.005005,"end":71.245,"confidence":0.9999026,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.05082469061017037},{"word":"okay","start":71.245,"end":71.745,"confidence":0.7740625,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.06341905891895294},{"word":"perfect","start":73.899994,"end":74.21999,"confidence":0.99776495,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.29790830612182617},{"word":"so","start":74.21999,"end":74.619995,"confidence":0.999711,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18950381875038147},{"word":"what's","start":74.619995,"end":74.939995,"confidence":0.9992583,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.1918250322341919},{"word":"coming","start":74.939995,"end":75.17999,"confidence":0.9999379,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.2098613679409027},{"word":"through","start":75.17999,"end":75.42,"confidence":0.99984014,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.215548574924469},{"word":"to","start":75.42,"end":75.5,"confidence":0.9971192,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18777285516262057},{"word":"you","start":75.5,"end":75.579994,"confidence":0.9960592,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18447890877723697},{"word":"today","start":75.579994,"end":75.899994,"confidence":0.99988437,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.17443302273750305},{"word":"is","start":75.899994,"end":76.06,"confidence":0.9996246,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1568949818611145},{"word":"just","start":76.06,"end":76.14,"confidence":0.9999064,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16747015714645386},{"word":"a","start":76.14,"end":76.21999,"confidence":0.9999094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14586792886257172},{"word":"bit","start":76.21999,"end":76.46,"confidence":0.9999888,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14986513555049896},{"word":"of","start":76.46,"end":76.53999,"confidence":0.9998903,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15002472698688507},{"word":"an","start":76.53999,"end":76.7,"confidence":0.9999145,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.14274126291275024},{"word":"updated","start":76.7,"end":77.1,"confidence":0.99411076,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.1510532945394516},{"word":"report","start":77.1,"end":77.5,"confidence":0.9997867,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.17366085946559906},{"word":"from","start":77.5,"end":77.74,"confidence":0.9997695,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.13873115181922913},{"word":"your","start":77.74,"end":77.899994,"confidence":0.99596846,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17582941055297852},{"word":"hub","start":77.899994,"end":78.21999,"confidence":0.67167026,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.1975669860839844},{"word":"twenty","start":78.21999,"end":78.53999,"confidence":0.9991014,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.16000188887119293},{"word":"four","start":78.53999,"end":79.03999,"confidence":0.9981031,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.16505813598632812},{"word":"they've","start":79.259995,"end":79.5,"confidence":0.8472973,"punctuated_word":"They've","sentiment":"neutral","sentiment_score":0.21689431369304657},{"word":"got","start":79.5,"end":79.659996,"confidence":0.99990714,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2472396343946457},{"word":"a","start":79.659996,"end":79.82,"confidence":0.9998153,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20185497403144836},{"word":"bit","start":79.82,"end":80.06,"confidence":0.99997866,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1267174631357193},{"word":"more","start":80.06,"end":80.21999,"confidence":0.9997516,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.12667524814605713},{"word":"of","start":80.21999,"end":80.38,"confidence":0.99984086,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14982978999614716},{"word":"a","start":80.38,"end":80.46,"confidence":0.9996419,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1569298803806305},{"word":"fancier","start":80.46,"end":80.939995,"confidence":0.99698305,"punctuated_word":"fancier","sentiment":"neutral","sentiment_score":0.1793542057275772},{"word":"report","start":80.939995,"end":81.34,"confidence":0.9992743,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.2341763377189636},{"word":"these","start":81.34,"end":81.579994,"confidence":0.9991217,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.2060391902923584},{"word":"days","start":81.579994,"end":81.82,"confidence":0.95810926,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":0.2421608865261078},{"word":"but","start":81.82,"end":82.14,"confidence":0.5136811,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.24158842861652377},{"word":"easier","start":82.14,"end":82.46,"confidence":0.9997043,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.2238956093788147},{"word":"on","start":82.46,"end":82.619995,"confidence":0.9996551,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2108047753572464},{"word":"the","start":82.619995,"end":82.78,"confidence":0.997785,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2319462150335312},{"word":"eyes","start":82.78,"end":83.02,"confidence":0.88652724,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.3085152506828308},{"word":"than","start":83.02,"end":83.17999,"confidence":0.95912784,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.14437609910964966},{"word":"the","start":83.17999,"end":83.34,"confidence":0.9990507,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2215556800365448},{"word":"old","start":83.34,"end":83.579994,"confidence":0.9976503,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.15519770979881287},{"word":"ones","start":83.579994,"end":84.079994,"confidence":0.9359064,"punctuated_word":"ones.","sentiment":"neutral","sentiment_score":0.17831343412399292},{"word":"and","start":84.21999,"end":84.46,"confidence":0.99935,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1998734474182129},{"word":"we've","start":84.46,"end":84.78,"confidence":0.9998733,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.1812783479690552},{"word":"got","start":84.78,"end":85.02,"confidence":0.9998795,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.21292473375797272},{"word":"some","start":85.02,"end":85.259995,"confidence":0.9996462,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.16267776489257812},{"word":"updated","start":85.259995,"end":85.759995,"confidence":0.99890125,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.13291488587856293},{"word":"financial","start":86.21999,"end":86.7,"confidence":0.97788405,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.12598887085914612},{"word":"services","start":86.7,"end":87.2,"confidence":0.9995449,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.1187984049320221},{"word":"guides","start":87.259995,"end":87.579994,"confidence":0.96251124,"punctuated_word":"guides","sentiment":"neutral","sentiment_score":0.168411523103714},{"word":"and","start":87.579994,"end":87.74,"confidence":0.9956279,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21437184512615204},{"word":"agreements","start":87.74,"end":88.24,"confidence":0.95004034,"punctuated_word":"agreements","sentiment":"neutral","sentiment_score":0.15139447152614594},{"word":"for","start":88.245,"end":88.485,"confidence":0.9954491,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1988239884376526},{"word":"oakview","start":88.485,"end":88.985,"confidence":0.8595829,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.174417644739151},{"word":"as","start":89.365005,"end":89.525,"confidence":0.9884576,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2020893692970276},{"word":"well","start":89.525,"end":89.845,"confidence":0.99994445,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.23332379758358},{"word":"there","start":89.845,"end":90.085,"confidence":0.9958679,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.23470890522003177},{"word":"mate","start":90.085,"end":90.325005,"confidence":0.99859154,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":0.19959424436092377},{"word":"okay","start":90.325005,"end":90.825005,"confidence":0.99215555,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.11169078946113586},{"word":"cool","start":92.325005,"end":92.645004,"confidence":0.98099315,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.21547645330429077},{"word":"now","start":92.645004,"end":93.045006,"confidence":0.99928087,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1376832127571106},{"word":"in","start":93.045006,"end":93.285,"confidence":0.76494855,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0822453498840332},{"word":"particular","start":93.285,"end":93.685005,"confidence":0.99794143,"punctuated_word":"particular,","sentiment":"neutral","sentiment_score":0.09722249209880827},{"word":"is","start":93.685005,"end":93.845,"confidence":0.9997714,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10615988075733183},{"word":"there","start":93.845,"end":94.005005,"confidence":0.99811256,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.11726945638656616},{"word":"anything","start":94.005005,"end":94.325005,"confidence":0.9999106,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.10163116455078124},{"word":"you","start":94.325005,"end":94.405,"confidence":0.9998683,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07397113740444183},{"word":"would","start":94.405,"end":94.565,"confidence":0.9999796,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08489800989627838},{"word":"like","start":94.565,"end":94.725006,"confidence":0.9999329,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08684759587049484},{"word":"me","start":94.725006,"end":94.885,"confidence":0.99943274,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0989769995212555},{"word":"to","start":94.885,"end":95.125,"confidence":0.99875796,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0908048152923584},{"word":"focus","start":95.125,"end":95.445,"confidence":0.99992883,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.12165340781211852},{"word":"on","start":95.445,"end":95.605,"confidence":0.9998499,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14805525541305542},{"word":"for","start":95.605,"end":95.765,"confidence":0.9995109,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14577098190784454},{"word":"this","start":95.765,"end":96.005005,"confidence":0.99989855,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.13030169904232025},{"word":"review","start":96.005005,"end":96.405,"confidence":0.8362299,"punctuated_word":"review?","sentiment":"neutral","sentiment_score":0.11496491730213164},{"word":"anything","start":96.405,"end":96.725006,"confidence":0.99955064,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":0.05454012006521225},{"word":"in","start":96.725006,"end":96.885,"confidence":0.9823261,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03255363553762436},{"word":"particular","start":96.885,"end":97.285,"confidence":0.99961865,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":0.0417223647236824},{"word":"you're","start":97.285,"end":97.445,"confidence":0.996678,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.03182612359523773},{"word":"hoping","start":97.445,"end":97.604996,"confidence":0.9994832,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.04587370157241821},{"word":"to","start":97.604996,"end":97.765,"confidence":0.99939775,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.049165498465299606},{"word":"get","start":97.765,"end":97.925,"confidence":0.99995995,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05180983617901802},{"word":"out","start":97.925,"end":98.08501,"confidence":0.9998958,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09511151164770126},{"word":"of","start":98.08501,"end":98.245,"confidence":0.9993913,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07513298094272614},{"word":"this","start":98.245,"end":98.405,"confidence":0.99988055,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08099326491355896},{"word":"conversation","start":98.405,"end":98.905,"confidence":0.99927723,"punctuated_word":"conversation?","sentiment":"neutral","sentiment_score":0.07786160707473755},{"word":"fantastic","start":109.3,"end":109.8,"confidence":0.9990754,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.7408673763275146},{"word":"so","start":110.18,"end":110.68,"confidence":0.9992131,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.40582501888275146},{"word":"just","start":110.98,"end":111.22,"confidence":0.8195072,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2870713472366333},{"word":"while","start":111.22,"end":111.46,"confidence":0.9985475,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.23841439187526703},{"word":"i've","start":111.46,"end":111.62,"confidence":0.99978423,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.25995057821273804},{"word":"got","start":111.62,"end":111.78,"confidence":0.9999027,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11349590122699738},{"word":"you","start":111.78,"end":111.94,"confidence":0.9996805,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08809063583612442},{"word":"in","start":111.94,"end":112.100006,"confidence":0.99910295,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08758881688117981},{"word":"the","start":112.100006,"end":112.18,"confidence":0.9997366,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11891962587833405},{"word":"car","start":112.18,"end":112.42,"confidence":0.992767,"punctuated_word":"car,","sentiment":"neutral","sentiment_score":0.13390064239501953},{"word":"i'm","start":112.42,"end":112.58,"confidence":0.999858,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1146855503320694},{"word":"gonna","start":112.58,"end":112.82,"confidence":0.86840504,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.10982928425073624},{"word":"go","start":112.82,"end":112.98,"confidence":0.99914646,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.12059225142002106},{"word":"through","start":112.98,"end":113.14,"confidence":0.99993086,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1686493307352066},{"word":"a","start":113.14,"end":113.22,"confidence":0.9915221,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12418773025274275},{"word":"couple","start":113.22,"end":113.46,"confidence":0.99997544,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.06478273868560791},{"word":"details","start":113.46,"end":113.78,"confidence":0.6238524,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.060712069272994995},{"word":"because","start":113.78,"end":113.94,"confidence":0.7217023,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05573232099413872},{"word":"we've","start":113.94,"end":114.100006,"confidence":0.8677755,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.13356482982635498},{"word":"got","start":114.100006,"end":114.26,"confidence":0.99981195,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.15297864377498627},{"word":"a","start":114.26,"end":114.340004,"confidence":0.9990736,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16162705421447754},{"word":"new","start":114.340004,"end":114.58,"confidence":0.9995714,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.1400270164012909},{"word":"system","start":114.58,"end":114.9,"confidence":0.999894,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.11159197986125946},{"word":"now","start":114.9,"end":115.305,"confidence":0.99924743,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.14372482895851135},{"word":"custom","start":115.385,"end":115.785,"confidence":0.9990876,"punctuated_word":"custom","sentiment":"neutral","sentiment_score":0.22649556398391724},{"word":"built","start":115.785,"end":115.865,"confidence":0.99915135,"punctuated_word":"built","sentiment":"neutral","sentiment_score":0.24432817101478577},{"word":"for","start":115.865,"end":116.025,"confidence":0.99986684,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21011699736118317},{"word":"us","start":116.025,"end":116.345,"confidence":0.96737385,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.10891644656658173},{"word":"just","start":116.345,"end":116.505,"confidence":0.9990408,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.07423502206802368},{"word":"make","start":116.505,"end":116.665,"confidence":0.8650586,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.060734935104846954},{"word":"sure","start":116.665,"end":116.825,"confidence":0.99985003,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.08126188814640045},{"word":"the","start":116.825,"end":116.985,"confidence":0.99930847,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08089589327573776},{"word":"details","start":116.985,"end":117.385,"confidence":0.99951565,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.05911196768283844},{"word":"match","start":117.385,"end":117.705,"confidence":0.9979513,"punctuated_word":"match","sentiment":"neutral","sentiment_score":0.08319453150033951},{"word":"if","start":117.705,"end":117.865,"confidence":0.6228796,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07787124067544937},{"word":"that's","start":117.865,"end":118.025,"confidence":0.9999385,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06210629269480705},{"word":"alright","start":118.025,"end":118.525,"confidence":0.9842378,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.07278313487768173},{"word":"perfect","start":120.105,"end":120.505,"confidence":0.9943388,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4538341760635376},{"word":"so","start":120.505,"end":120.665,"confidence":0.9998814,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2043495178222656},{"word":"we've","start":120.665,"end":120.905,"confidence":0.9999143,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.2306914329528809},{"word":"got","start":120.905,"end":121.225,"confidence":0.99994767,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2172918915748596},{"word":"phone","start":121.225,"end":121.625,"confidence":0.9931481,"punctuated_word":"phone,","sentiment":"neutral","sentiment_score":0.1671769767999649},{"word":"email","start":121.625,"end":121.945,"confidence":0.98181593,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.1478440910577774},{"word":"and","start":121.945,"end":122.185,"confidence":0.9983027,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1520041823387146},{"word":"address","start":122.185,"end":122.505,"confidence":0.53031355,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.1212598979473114},{"word":"is","start":122.505,"end":122.665,"confidence":0.95244384,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15773823857307434},{"word":"all","start":122.665,"end":122.905,"confidence":0.99987364,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1744210571050644},{"word":"correct","start":122.905,"end":123.405,"confidence":0.99970156,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.19086681306362152},{"word":"we","start":123.705,"end":123.945,"confidence":0.6639261,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.054309289902448654},{"word":"had","start":123.945,"end":124.105,"confidence":0.9992286,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.0666421502828598},{"word":"you","start":124.105,"end":124.265,"confidence":0.9900024,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06904169917106628},{"word":"married","start":124.265,"end":124.585,"confidence":0.9989625,"punctuated_word":"married","sentiment":"neutral","sentiment_score":0.05706503242254257},{"word":"with","start":124.585,"end":124.825,"confidence":0.99987745,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08630318194627762},{"word":"two","start":124.825,"end":125.065,"confidence":0.99974626,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.07976400852203369},{"word":"children","start":125.065,"end":125.565,"confidence":0.9999311,"punctuated_word":"children","sentiment":"neutral","sentiment_score":0.08601582795381546},{"word":"and","start":127.145004,"end":127.645004,"confidence":0.7764838,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.060380689799785614},{"word":"electrician","start":127.785,"end":128.285,"confidence":0.9984985,"punctuated_word":"electrician","sentiment":"neutral","sentiment_score":0.1119781658053398},{"word":"for","start":128.425,"end":128.745,"confidence":0.9973924,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07719513773918152},{"word":"dp","start":128.745,"end":129.225,"confidence":0.98162055,"punctuated_word":"DP","sentiment":"neutral","sentiment_score":0.12571734189987183},{"word":"world","start":129.225,"end":129.725,"confidence":0.97985065,"punctuated_word":"World.","sentiment":"neutral","sentiment_score":0.11606106907129288},{"word":"now","start":131.32,"end":131.56001,"confidence":0.9991309,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0578613206744194},{"word":"i'm","start":131.56001,"end":131.88,"confidence":0.9970082,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.061291616410017014},{"word":"assuming","start":131.88,"end":132.36,"confidence":0.9999428,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.0728522464632988},{"word":"based","start":132.36,"end":132.6,"confidence":0.8532179,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.050241246819496155},{"word":"on","start":132.6,"end":132.68001,"confidence":0.99990857,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05796585977077484},{"word":"the","start":132.68001,"end":132.92001,"confidence":0.99839574,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05476366728544235},{"word":"contributions","start":132.92001,"end":133.42001,"confidence":0.9998029,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.04410138726234436},{"word":"i'm","start":133.64,"end":133.88,"confidence":0.9021419,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05370734632015228},{"word":"seeing","start":133.88,"end":134.12001,"confidence":0.9980128,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":0.05889815092086792},{"word":"that","start":134.12001,"end":134.28,"confidence":0.9634665,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06302511692047119},{"word":"your","start":134.28,"end":134.52,"confidence":0.99861324,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05036960542201996},{"word":"income's","start":134.52,"end":134.92001,"confidence":0.83711195,"punctuated_word":"income's","sentiment":"neutral","sentiment_score":0.05691470950841904},{"word":"probably","start":134.92001,"end":135.24,"confidence":0.9997956,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.06051319092512131},{"word":"gone","start":135.24,"end":135.48001,"confidence":0.9539522,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.07332020998001099},{"word":"up","start":135.48001,"end":135.56001,"confidence":0.999913,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.057748276740312576},{"word":"to","start":135.56001,"end":135.8,"confidence":0.99971765,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06111688166856766},{"word":"about","start":135.8,"end":136.04001,"confidence":0.99969363,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.052203334867954254},{"word":"200,000","start":136.04001,"end":137.08,"confidence":0.99968904,"punctuated_word":"200,000","sentiment":"neutral","sentiment_score":0.06710660457611084},{"word":"for","start":137.08,"end":137.32,"confidence":0.9990484,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04470650851726532},{"word":"the","start":137.32,"end":137.48001,"confidence":0.999632,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04405932500958443},{"word":"year","start":137.48001,"end":137.72,"confidence":0.9960426,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.04395595192909241},{"word":"does","start":137.72,"end":137.88,"confidence":0.81405896,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.05058910697698593},{"word":"that","start":137.88,"end":138.04001,"confidence":0.99984443,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0697026178240776},{"word":"sound","start":138.04001,"end":138.28,"confidence":0.9999138,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.041404783725738525},{"word":"about","start":138.28,"end":138.6,"confidence":0.9998215,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.02739911526441574},{"word":"right","start":138.6,"end":139.1,"confidence":0.9992207,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.035368241369724274},{"word":"yep","start":147.895,"end":148.21501,"confidence":0.97609055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0713629424571991},{"word":"okay","start":148.21501,"end":148.535,"confidence":0.9990757,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08446073532104492},{"word":"i'll","start":148.535,"end":148.695,"confidence":0.9998385,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0986180528998375},{"word":"go","start":148.695,"end":148.85501,"confidence":0.99989426,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11993908882141112},{"word":"for","start":148.85501,"end":149.095,"confidence":0.99861956,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11849865317344666},{"word":"$1.90","start":149.095,"end":149.57501,"confidence":0.99738276,"punctuated_word":"$1.90","sentiment":"neutral","sentiment_score":0.1048639714717865},{"word":"to","start":149.57501,"end":149.735,"confidence":0.47469276,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07821211963891983},{"word":"be","start":149.735,"end":149.895,"confidence":0.9976769,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08127574622631073},{"word":"a","start":149.895,"end":149.975,"confidence":0.9967704,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07815943658351898},{"word":"bit","start":149.975,"end":150.13501,"confidence":0.9991647,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.052190471440553665},{"word":"conservative","start":150.13501,"end":150.63501,"confidence":0.9998723,"punctuated_word":"conservative","sentiment":"neutral","sentiment_score":0.11911112070083618},{"word":"to","start":150.85501,"end":150.93501,"confidence":0.9964412,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1178225353360176},{"word":"start","start":150.93501,"end":151.175,"confidence":0.99987614,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.1005914956331253},{"word":"with","start":151.175,"end":151.675,"confidence":0.99709916,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.10825420916080476},{"word":"sensational","start":153.175,"end":153.675,"confidence":0.99743557,"punctuated_word":"Sensational.","sentiment":"neutral","sentiment_score":0.11624743789434432},{"word":"and","start":154.47,"end":154.71,"confidence":0.95558125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.024849822744727135},{"word":"the","start":154.71,"end":154.87001,"confidence":0.99952257,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009974472224712372},{"word":"only","start":154.87001,"end":155.03,"confidence":0.9972024,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.005964457988739014},{"word":"other","start":155.03,"end":155.19,"confidence":0.9994968,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.011397499591112137},{"word":"thing","start":155.19,"end":155.35,"confidence":0.9997789,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.010596640408039091},{"word":"i","start":155.35,"end":155.43001,"confidence":0.9995152,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00017002597451210022},{"word":"wanted","start":155.43001,"end":155.59001,"confidence":0.737218,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.009210094809532166},{"word":"to","start":155.59001,"end":155.67,"confidence":0.98804504,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.015118008479475977},{"word":"quickly","start":155.67,"end":155.91,"confidence":0.99878687,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.03782704100012779},{"word":"check","start":155.91,"end":156.15001,"confidence":0.9991652,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.02220652438700199},{"word":"with","start":156.15001,"end":156.23001,"confidence":0.99961025,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.01716817170381546},{"word":"you","start":156.23001,"end":156.47,"confidence":0.9997663,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024209588766098022},{"word":"just","start":156.47,"end":156.63,"confidence":0.64780813,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01694321259856224},{"word":"in","start":156.63,"end":156.71,"confidence":0.99947566,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02404896728694439},{"word":"terms","start":156.71,"end":156.95001,"confidence":0.9999715,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.018980182707309723},{"word":"of","start":156.95001,"end":157.19,"confidence":0.99971634,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015610482543706894},{"word":"assets","start":157.19,"end":157.51001,"confidence":0.9941513,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.011530540883541107},{"word":"and","start":157.51001,"end":157.67,"confidence":0.9993298,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.010026983916759493},{"word":"liabilities","start":157.67,"end":158.17,"confidence":0.99159074,"punctuated_word":"liabilities,","sentiment":"neutral","sentiment_score":0.014559854753315449},{"word":"cole","start":158.47,"end":158.97,"confidence":0.5965048,"punctuated_word":"Cole,","sentiment":"neutral","sentiment_score":0.012483126483857632},{"word":"we","start":159.03,"end":159.35,"confidence":0.9987866,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01317025162279606},{"word":"had","start":159.35,"end":159.85,"confidence":0.9995472,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.009467627853155136},{"word":"your","start":159.91,"end":160.41,"confidence":0.9995351,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.010635517537593842},{"word":"home","start":160.63,"end":161.13,"confidence":0.81050086,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":0.00674230232834816},{"word":"two","start":161.35,"end":161.59001,"confidence":0.99924964,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.01728293113410473},{"word":"cars","start":161.59001,"end":162.09001,"confidence":0.96168476,"punctuated_word":"cars,","sentiment":"neutral","sentiment_score":0.0195276141166687},{"word":"an","start":162.31,"end":162.55,"confidence":0.91059256,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.021689413115382195},{"word":"offset","start":162.55,"end":162.87001,"confidence":0.99502486,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.01554521918296814},{"word":"account","start":162.87001,"end":163.27,"confidence":0.94180304,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.016022056341171265},{"word":"and","start":163.27,"end":163.43001,"confidence":0.99930847,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.009525574743747711},{"word":"a","start":163.43001,"end":163.51001,"confidence":0.9995041,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015024416148662567},{"word":"home","start":163.51001,"end":163.75,"confidence":0.9996803,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.011679958552122116},{"word":"in","start":163.75,"end":163.99,"confidence":0.9973718,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.011079523712396622},{"word":"samoa","start":163.99,"end":164.49,"confidence":0.9857124,"punctuated_word":"Samoa.","sentiment":"neutral","sentiment_score":0.00974569283425808},{"word":"now","start":166.485,"end":166.725,"confidence":0.99947184,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0010287836194038391},{"word":"with","start":166.725,"end":167.045,"confidence":0.9928653,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0023261941969394684},{"word":"the","start":167.045,"end":167.205,"confidence":0.9998344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004614364355802536},{"word":"home","start":167.205,"end":167.685,"confidence":0.9862296,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":0.006971636787056923},{"word":"we","start":167.685,"end":167.925,"confidence":0.99981934,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.012854982167482376},{"word":"had","start":167.925,"end":168.085,"confidence":0.9993025,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.0003656409680843354},{"word":"you","start":168.085,"end":168.24501,"confidence":0.9773631,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0039060525596141815},{"word":"owing","start":168.24501,"end":168.565,"confidence":0.83865535,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":-0.005060527473688126},{"word":"about","start":168.565,"end":168.725,"confidence":0.9996226,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.017097841948270798},{"word":"305,000","start":168.725,"end":169.925,"confidence":0.9986397,"punctuated_word":"305,000","sentiment":"neutral","sentiment_score":-0.014354471117258072},{"word":"at","start":169.925,"end":170.085,"confidence":0.9981938,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02545446902513504},{"word":"the","start":170.085,"end":170.24501,"confidence":0.9886184,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.013824373483657835},{"word":"time","start":170.24501,"end":170.405,"confidence":0.9819615,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.024989737197756767},{"word":"and","start":170.405,"end":170.565,"confidence":0.9998956,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01124582439661026},{"word":"that","start":170.565,"end":170.725,"confidence":0.9998399,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.006626959890127182},{"word":"was","start":170.725,"end":170.88501,"confidence":0.9999237,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.02416813001036644},{"word":"a","start":170.88501,"end":170.96501,"confidence":0.9997123,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01852613128721714},{"word":"pretty","start":170.96501,"end":171.205,"confidence":0.9999368,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.012312926352024078},{"word":"big","start":171.205,"end":171.365,"confidence":0.9998592,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.00033746659755706787},{"word":"focus","start":171.365,"end":171.685,"confidence":0.99981457,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":-0.010983269661664965},{"word":"for","start":171.685,"end":171.845,"confidence":0.9995128,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0010725706815719604},{"word":"you","start":171.845,"end":172.005,"confidence":0.99990165,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004760026931762695},{"word":"to","start":172.005,"end":172.16501,"confidence":0.99959,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0003414750099182129},{"word":"pay","start":172.16501,"end":172.32501,"confidence":0.9878927,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.01920002698898315},{"word":"off","start":172.32501,"end":172.82501,"confidence":0.99948716,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.012751290574669838},{"word":"have","start":172.88501,"end":173.125,"confidence":0.9997416,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.010738670825958252},{"word":"you","start":173.125,"end":173.625,"confidence":0.9998673,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01544543355703354},{"word":"put","start":173.765,"end":173.925,"confidence":0.99950504,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.015323512256145476},{"word":"a","start":173.925,"end":174.085,"confidence":0.99974555,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01715390384197235},{"word":"chunk","start":174.085,"end":174.405,"confidence":0.9996792,"punctuated_word":"chunk","sentiment":"neutral","sentiment_score":0.014999862760305405},{"word":"out","start":174.405,"end":174.565,"confidence":0.99890614,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.030846402049064636},{"word":"of","start":174.565,"end":174.645,"confidence":0.9997553,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01535075157880783},{"word":"that","start":174.645,"end":174.80501,"confidence":0.9999504,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.017602574080228806},{"word":"so","start":174.80501,"end":175.045,"confidence":0.9991571,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.009090028703212738},{"word":"far","start":175.045,"end":175.545,"confidence":0.9993551,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.0028502028435468674},{"word":"awesome","start":192.115,"end":192.595,"confidence":0.88883066,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.27110934257507324},{"word":"and","start":192.595,"end":192.755,"confidence":0.9948155,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10980475693941116},{"word":"now","start":192.755,"end":192.91501,"confidence":0.3226146,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.06379137188196182},{"word":"you've","start":192.91501,"end":193.075,"confidence":0.97896624,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.07285422086715698},{"word":"got","start":193.075,"end":193.235,"confidence":0.9997377,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07262773811817169},{"word":"a","start":193.235,"end":193.315,"confidence":0.9993061,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.033022113144397736},{"word":"few","start":193.315,"end":193.475,"confidence":0.9999447,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.04143005982041359},{"word":"more","start":193.475,"end":193.715,"confidence":0.9997701,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.018404120579361916},{"word":"rentals","start":193.715,"end":194.035,"confidence":0.5294721,"punctuated_word":"rentals","sentiment":"neutral","sentiment_score":0.041856542229652405},{"word":"to","start":194.035,"end":194.195,"confidence":0.9994642,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01744643785059452},{"word":"go","start":194.195,"end":194.595,"confidence":0.73960257,"punctuated_word":"go?","sentiment":"neutral","sentiment_score":0.025899797677993774},{"word":"or","start":194.595,"end":195.095,"confidence":0.9881522,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.03682920336723328},{"word":"oh","start":198.675,"end":198.835,"confidence":0.9853068,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.12738192081451416},{"word":"perfect","start":198.835,"end":199.315,"confidence":0.9993386,"punctuated_word":"perfect.","sentiment":"neutral","sentiment_score":0.20800364017486572},{"word":"okay","start":199.315,"end":199.815,"confidence":0.99913067,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07100842893123627},{"word":"and","start":200.115,"end":200.35501,"confidence":0.6993798,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.049634866416454315},{"word":"i'm","start":200.35501,"end":200.435,"confidence":0.99983585,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05316583439707756},{"word":"gonna","start":200.435,"end":200.755,"confidence":0.7941477,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.05261218547821045},{"word":"get","start":200.755,"end":200.91501,"confidence":0.9990337,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.033632680773735046},{"word":"a","start":200.91501,"end":200.99501,"confidence":0.99972874,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.040161456912755966},{"word":"bit","start":200.99501,"end":201.155,"confidence":0.9999404,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04654807597398758},{"word":"of","start":201.155,"end":201.315,"confidence":0.9999261,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04891221970319748},{"word":"an","start":201.315,"end":201.475,"confidence":0.99995184,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.04443664848804474},{"word":"updated","start":201.475,"end":201.975,"confidence":0.9993413,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.037139832973480225},{"word":"online","start":202.035,"end":202.515,"confidence":0.9974427,"punctuated_word":"online","sentiment":"neutral","sentiment_score":0.04159647226333618},{"word":"valuation","start":202.515,"end":203.015,"confidence":0.58878934,"punctuated_word":"valuation","sentiment":"neutral","sentiment_score":0.03571043163537979},{"word":"here","start":203.075,"end":203.315,"confidence":0.99963796,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.03727404400706291},{"word":"because","start":203.315,"end":203.55501,"confidence":0.932665,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.008825838565826416},{"word":"the","start":203.55501,"end":203.715,"confidence":0.9988306,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012101538479328156},{"word":"market's","start":203.715,"end":204.195,"confidence":0.9268995,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":0.012487128376960754},{"word":"changed","start":204.195,"end":204.595,"confidence":0.99904376,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.02719634771347046},{"word":"a","start":204.595,"end":204.755,"confidence":0.9998209,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.002978149801492691},{"word":"little","start":204.755,"end":204.99501,"confidence":0.9999597,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0030256323516368866},{"word":"bit","start":204.99501,"end":205.35,"confidence":0.9627197,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.004987608641386032},{"word":"not","start":205.59001,"end":205.75,"confidence":0.9990706,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.05886320769786835},{"word":"so","start":205.75,"end":205.83,"confidence":0.9994659,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.06079217419028282},{"word":"much","start":205.83,"end":206.31001,"confidence":0.99991596,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.053166911005973816},{"word":"out","start":206.31001,"end":206.47,"confidence":0.66800046,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.03813912346959114},{"word":"your","start":206.47,"end":206.71,"confidence":0.98300064,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05097801983356476},{"word":"way","start":206.71,"end":207.21,"confidence":0.99240375,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":-0.032530978322029114},{"word":"but","start":207.35,"end":207.59001,"confidence":0.9996631,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.04912352189421654},{"word":"they're","start":207.59001,"end":207.83,"confidence":0.9800768,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.04560384154319763},{"word":"they're","start":207.83,"end":208.07,"confidence":0.9850111,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.04334007203578949},{"word":"still","start":208.07,"end":208.39,"confidence":0.99924445,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.0448266975581646},{"word":"saying","start":208.39,"end":208.63,"confidence":0.7276828,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.02971302345395088},{"word":"around","start":208.63,"end":208.95001,"confidence":0.99785054,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.0229019932448864},{"word":"about","start":208.95001,"end":209.27,"confidence":0.9972494,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.03233029693365097},{"word":"that","start":209.27,"end":209.51001,"confidence":0.9851987,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02207445353269577},{"word":"715,000","start":209.51001,"end":211.11,"confidence":0.99734306,"punctuated_word":"715,000","sentiment":"neutral","sentiment_score":-0.0225172471255064},{"word":"mark","start":211.11,"end":211.61,"confidence":0.98673165,"punctuated_word":"mark.","sentiment":"neutral","sentiment_score":-0.022325392812490463},{"word":"perfect","start":225.045,"end":225.545,"confidence":0.9133967,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2935205101966858},{"word":"thank","start":225.685,"end":225.925,"confidence":0.9991399,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6209176182746887},{"word":"you","start":225.925,"end":226.16501,"confidence":0.9999305,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6203640103340149},{"word":"for","start":226.16501,"end":226.32501,"confidence":0.9998092,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6699100732803345},{"word":"that","start":226.32501,"end":226.82501,"confidence":0.99946964,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.35165709257125854},{"word":"two","start":227.52501,"end":227.765,"confidence":0.74822897,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":0.002086374908685684},{"word":"cars","start":227.765,"end":228.085,"confidence":0.88667655,"punctuated_word":"cars.","sentiment":"neutral","sentiment_score":0.002332050120458007},{"word":"we","start":228.085,"end":228.16501,"confidence":0.9997249,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.012979354709386826},{"word":"had","start":228.16501,"end":228.405,"confidence":0.9997253,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.006823363713920116},{"word":"about","start":228.405,"end":228.645,"confidence":0.999749,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.008023092523217201},{"word":"15,000","start":228.645,"end":229.365,"confidence":0.99984884,"punctuated_word":"15,000","sentiment":"neutral","sentiment_score":0.01448657549917698},{"word":"in","start":229.365,"end":229.445,"confidence":0.9934849,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.014235945418477058},{"word":"the","start":229.445,"end":229.60501,"confidence":0.99992454,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01232136134058237},{"word":"offset","start":229.60501,"end":229.925,"confidence":0.9977761,"punctuated_word":"offset.","sentiment":"neutral","sentiment_score":0.004456750582903624},{"word":"did","start":229.925,"end":230.085,"confidence":0.9998592,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.002018596976995468},{"word":"you","start":230.085,"end":230.32501,"confidence":0.9998584,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005684183910489082},{"word":"use","start":230.32501,"end":230.565,"confidence":0.9789392,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.01742859184741974},{"word":"most","start":230.565,"end":230.80501,"confidence":0.99974746,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.01078264880925417},{"word":"of","start":230.80501,"end":230.88501,"confidence":0.9991673,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01386975310742855},{"word":"that","start":230.88501,"end":231.045,"confidence":0.99992394,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01430387981235981},{"word":"for","start":231.045,"end":231.205,"confidence":0.9993622,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.011262042447924614},{"word":"the","start":231.205,"end":231.285,"confidence":0.99958056,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010722601786255836},{"word":"renos","start":231.285,"end":231.60501,"confidence":0.8434181,"punctuated_word":"renos,","sentiment":"neutral","sentiment_score":0.01542541105300188},{"word":"or","start":231.60501,"end":231.765,"confidence":0.9998826,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.008482232689857483},{"word":"have","start":231.765,"end":231.925,"confidence":0.9835661,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0034706220030784607},{"word":"you","start":231.925,"end":232.005,"confidence":0.999871,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006524663418531418},{"word":"managed","start":232.005,"end":232.32501,"confidence":0.99841154,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.010744629427790642},{"word":"to","start":232.32501,"end":232.485,"confidence":0.99993,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006258698180317879},{"word":"build","start":232.485,"end":232.725,"confidence":0.9998493,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.010569247417151928},{"word":"your","start":232.725,"end":232.88501,"confidence":0.9990721,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0018891748040914536},{"word":"savings","start":232.88501,"end":233.34,"confidence":0.9991373,"punctuated_word":"savings?","sentiment":"neutral","sentiment_score":0.0005578314885497093},{"word":"yep","start":237.34,"end":237.84,"confidence":0.9962101,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.017804374918341637},{"word":"sensational","start":237.98,"end":238.48,"confidence":0.9993358,"punctuated_word":"Sensational.","sentiment":"neutral","sentiment_score":0.006298494525253773},{"word":"and","start":239.01999,"end":239.51999,"confidence":0.9994925,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.004769850522279739},{"word":"outside","start":239.58,"end":239.98,"confidence":0.9993616,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.008701551705598831},{"word":"of","start":239.98,"end":240.14,"confidence":0.9998727,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0076424796134233475},{"word":"the","start":240.14,"end":240.37999,"confidence":0.99978286,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00806221179664135},{"word":"home","start":240.37999,"end":240.78,"confidence":0.9992834,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.020395178347826004},{"word":"in","start":240.78,"end":241.18,"confidence":0.9968528,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.014171410351991652},{"word":"samoa","start":241.18,"end":241.66,"confidence":0.9970601,"punctuated_word":"Samoa","sentiment":"neutral","sentiment_score":0.016787530854344368},{"word":"there","start":241.66,"end":241.9,"confidence":0.80214155,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.007216182071715593},{"word":"any","start":241.9,"end":242.14,"confidence":0.9941928,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.004345003515481949},{"word":"other","start":242.14,"end":242.45999,"confidence":0.999445,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.006593702360987663},{"word":"loans","start":242.45999,"end":242.78,"confidence":0.9980551,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":-0.0012947376817464828},{"word":"or","start":242.78,"end":242.94,"confidence":0.99940145,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0011404845863580704},{"word":"assets","start":242.94,"end":243.34,"confidence":0.9996747,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.011994648724794388},{"word":"you","start":243.34,"end":243.5,"confidence":0.99913484,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00018522515892982483},{"word":"picked","start":243.5,"end":243.73999,"confidence":0.5087732,"punctuated_word":"picked","sentiment":"neutral","sentiment_score":0.002257334068417549},{"word":"up","start":243.73999,"end":243.9,"confidence":0.9998098,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0011306125670671463},{"word":"since","start":243.9,"end":244.14,"confidence":0.9998128,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.00554591603577137},{"word":"we","start":244.14,"end":244.3,"confidence":0.9997682,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.004925472661852837},{"word":"last","start":244.3,"end":244.54,"confidence":0.9997652,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.006181742995977402},{"word":"spoke","start":244.54,"end":244.78,"confidence":0.9997621,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.0020694099366664886},{"word":"to","start":244.78,"end":244.86,"confidence":0.9986028,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.003239629790186882},{"word":"you","start":244.86,"end":245.355,"confidence":0.9913771,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":-0.005369577556848526},{"word":"so","start":267.13,"end":267.29,"confidence":0.48771322,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.008750887587666512},{"word":"you've","start":267.29,"end":267.53,"confidence":0.9959794,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.004355428274720907},{"word":"got","start":267.53,"end":267.85,"confidence":0.99988043,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.01478741504251957},{"word":"one","start":267.85,"end":268.01,"confidence":0.99896157,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.0021742582321166992},{"word":"that's","start":268.01,"end":268.41,"confidence":0.99534416,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.007444459013640881},{"word":"$3,538,000","start":268.41,"end":269.94998,"confidence":0.97418165,"punctuated_word":"$3,538,000.","sentiment":"neutral","sentiment_score":-0.006783893797546625},{"word":"i","start":270.495,"end":270.655,"confidence":0.9887657,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.013025276362895966},{"word":"think","start":270.655,"end":270.73502,"confidence":0.99985313,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.012697620317339895},{"word":"we","start":270.73502,"end":270.89502,"confidence":0.99902034,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.009400706738233566},{"word":"had","start":270.89502,"end":271.135,"confidence":0.9983669,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.014293018728494644},{"word":"a","start":271.135,"end":271.295,"confidence":0.9692115,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004602277651429176},{"word":"combined","start":271.295,"end":271.695,"confidence":0.9929456,"punctuated_word":"combined","sentiment":"neutral","sentiment_score":-0.0063271112740039825},{"word":"of","start":271.695,"end":271.855,"confidence":0.9987036,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004549829289317131},{"word":"two","start":271.855,"end":272.015,"confidence":0.99970704,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.005151940509676933},{"word":"vehicles","start":272.015,"end":272.415,"confidence":0.99920255,"punctuated_word":"vehicles","sentiment":"neutral","sentiment_score":-0.0002236589789390564},{"word":"of","start":272.415,"end":272.575,"confidence":0.99672914,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.005025789141654968},{"word":"about","start":272.575,"end":272.975,"confidence":0.98975986,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.005233997479081154},{"word":"60","start":272.975,"end":273.475,"confidence":0.9943882,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":-0.0018441341817379},{"word":"is","start":273.535,"end":273.695,"confidence":0.9950772,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.00442738551646471},{"word":"the","start":273.695,"end":273.855,"confidence":0.97513515,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008898381143808365},{"word":"other","start":273.855,"end":274.015,"confidence":0.9971129,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.011442678049206734},{"word":"one","start":274.015,"end":274.17502,"confidence":0.8978539,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.008956197649240494},{"word":"worth","start":274.17502,"end":274.415,"confidence":0.9907211,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.008634353056550026},{"word":"about","start":274.415,"end":274.575,"confidence":0.9956209,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.010950050316751003},{"word":"25","start":274.575,"end":275.315,"confidence":0.9988054,"punctuated_word":"25?","sentiment":"neutral","sentiment_score":-0.007494027260690928},{"word":"yes","start":293.71,"end":294.21,"confidence":0.784191,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0954170823097229},{"word":"okay","start":294.27,"end":294.77,"confidence":0.9971809,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2100376337766647},{"word":"that's","start":294.83,"end":295.22998,"confidence":0.99893546,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4632373452186585},{"word":"perfect","start":295.22998,"end":295.72998,"confidence":0.99991024,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.6386162042617798},{"word":"thank","start":295.78998,"end":296.03,"confidence":0.9996038,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6003629565238953},{"word":"you","start":296.03,"end":296.19,"confidence":0.99996567,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6577627658843994},{"word":"for","start":296.19,"end":296.34998,"confidence":0.9999281,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6575165390968323},{"word":"that","start":296.34998,"end":296.84998,"confidence":0.99991953,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5778489708900452},{"word":"alrighty","start":297.215,"end":297.61502,"confidence":0.96762055,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.15370404720306396},{"word":"and","start":297.61502,"end":297.855,"confidence":0.9958527,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04393511265516281},{"word":"nothing","start":297.855,"end":298.095,"confidence":0.9989563,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":0.017385287210345268},{"word":"else","start":298.095,"end":298.255,"confidence":0.999979,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.012299221009016035},{"word":"floating","start":298.255,"end":298.575,"confidence":0.99475324,"punctuated_word":"floating","sentiment":"neutral","sentiment_score":0.013707663863897324},{"word":"around","start":298.575,"end":298.89502,"confidence":0.71929485,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":0.006198990158736706},{"word":"loans","start":298.89502,"end":299.295,"confidence":0.9986896,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":0.003224441781640053},{"word":"or","start":299.295,"end":299.535,"confidence":0.991211,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.002499660477042198},{"word":"assets","start":299.535,"end":300.035,"confidence":0.99785507,"punctuated_word":"assets?","sentiment":"neutral","sentiment_score":0.016735050827264786},{"word":"amazing","start":302.33502,"end":302.83502,"confidence":0.99826163,"punctuated_word":"Amazing.","sentiment":"neutral","sentiment_score":0.1801210641860962},{"word":"thank","start":302.89502,"end":303.135,"confidence":0.99972564,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.33054113388061523},{"word":"you","start":303.135,"end":303.295,"confidence":0.9998398,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3277703523635864},{"word":"heaps","start":303.295,"end":303.61502,"confidence":0.9863229,"punctuated_word":"heaps","sentiment":"positive","sentiment_score":0.3964802026748657},{"word":"for","start":303.61502,"end":303.77502,"confidence":0.9986779,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5161675214767456},{"word":"that","start":303.77502,"end":303.935,"confidence":0.9984857,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.4463134706020355},{"word":"and","start":303.935,"end":304.17502,"confidence":0.98281336,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.11239084601402284},{"word":"mate","start":304.17502,"end":304.415,"confidence":0.9962994,"punctuated_word":"mate,","sentiment":"neutral","sentiment_score":0.07378032058477402},{"word":"did","start":304.415,"end":304.575,"confidence":0.99972755,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.02361968159675598},{"word":"you","start":304.575,"end":304.655,"confidence":0.999637,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03138723224401474},{"word":"get","start":304.655,"end":304.975,"confidence":0.98695564,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03139713406562805},{"word":"a","start":304.975,"end":305.05502,"confidence":0.9270371,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03542608767747879},{"word":"end","start":305.295,"end":305.45502,"confidence":0.9170662,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.05554430931806564},{"word":"up","start":305.45502,"end":305.535,"confidence":0.99847406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.01812686026096344},{"word":"getting","start":305.535,"end":305.855,"confidence":0.9317641,"punctuated_word":"getting,","sentiment":"neutral","sentiment_score":0.04870370775461197},{"word":"like","start":305.855,"end":305.935,"confidence":0.9995554,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05652351677417755},{"word":"a","start":305.935,"end":306.095,"confidence":0.9998517,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07438397407531738},{"word":"will","start":306.095,"end":306.33502,"confidence":0.9812604,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.11586395651102066},{"word":"in","start":306.33502,"end":306.495,"confidence":0.9996253,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0683596283197403},{"word":"place","start":306.495,"end":306.89502,"confidence":0.99985516,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.07932420819997787},{"word":"since","start":306.89502,"end":307.135,"confidence":0.99904686,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.026146087795495987},{"word":"we","start":307.135,"end":307.295,"confidence":0.99985385,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03977188095450401},{"word":"last","start":307.295,"end":307.535,"confidence":0.99989355,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.019933003932237625},{"word":"spoke","start":307.535,"end":307.77502,"confidence":0.99988806,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.05689917132258415},{"word":"to","start":307.77502,"end":307.935,"confidence":0.9981982,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03809214383363724},{"word":"you","start":307.935,"end":308.435,"confidence":0.99626124,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.011148665100336077},{"word":"no","start":311.71,"end":311.94998,"confidence":0.98599017,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1116904765367508},{"word":"that's","start":311.94998,"end":312.19,"confidence":0.9992039,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.07846808433532715},{"word":"fair","start":312.19,"end":312.35,"confidence":0.99667895,"punctuated_word":"fair","sentiment":"neutral","sentiment_score":-0.06262567639350891},{"word":"enough","start":312.35,"end":312.59,"confidence":0.9941193,"punctuated_word":"enough,","sentiment":"neutral","sentiment_score":-0.06979309022426605},{"word":"mate","start":312.59,"end":312.83,"confidence":0.99462503,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":-0.021770929917693135},{"word":"it's","start":312.83,"end":312.91,"confidence":0.9949411,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.03262914717197418},{"word":"usually","start":312.91,"end":313.22998,"confidence":0.9996014,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":-0.034780196845531464},{"word":"in","start":313.22998,"end":313.31,"confidence":0.9985728,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.024727657437324524},{"word":"the","start":313.31,"end":313.38998,"confidence":0.99938416,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03627276420593262},{"word":"back","start":313.38998,"end":313.55,"confidence":0.9998442,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.01846098154783249},{"word":"of","start":313.55,"end":313.63,"confidence":0.9993481,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06731439381837845},{"word":"people's","start":313.63,"end":314.03,"confidence":0.9995244,"punctuated_word":"people's","sentiment":"neutral","sentiment_score":-0.08184654265642166},{"word":"minds","start":314.03,"end":314.27,"confidence":0.6194122,"punctuated_word":"minds,","sentiment":"neutral","sentiment_score":-0.06363315880298615},{"word":"so","start":314.27,"end":314.66998,"confidence":0.998833,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.06405031681060791},{"word":"yearly","start":314.66998,"end":315.15,"confidence":0.9884123,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":-0.041958943009376526},{"word":"reminder","start":315.15,"end":315.65,"confidence":0.9996749,"punctuated_word":"reminder","sentiment":"neutral","sentiment_score":-0.028824888169765472},{"word":"at","start":316.03,"end":316.27,"confidence":0.97017956,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.082732193171978},{"word":"some","start":316.27,"end":316.50998,"confidence":0.99973875,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.0843769758939743},{"word":"point","start":316.50998,"end":317.00998,"confidence":0.9891839,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":-0.06127296760678291},{"word":"oh","start":320.59,"end":320.83,"confidence":0.99410427,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.04736477509140968},{"word":"yeah","start":320.83,"end":321.33,"confidence":0.97141385,"punctuated_word":"yeah?","sentiment":"neutral","sentiment_score":-0.08562599122524261},{"word":"cool","start":326.52502,"end":326.765,"confidence":0.9852167,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.1964859664440155},{"word":"so","start":326.765,"end":327.005,"confidence":0.9991517,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14734485745429993},{"word":"if","start":327.005,"end":327.165,"confidence":0.99761754,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16425347328186035},{"word":"it's","start":327.165,"end":327.325,"confidence":0.9999384,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.19351181387901303},{"word":"easy","start":327.325,"end":327.64502,"confidence":0.97783786,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":0.22681671380996704},{"word":"for","start":327.64502,"end":327.80502,"confidence":0.9998204,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23697856068611145},{"word":"you","start":327.80502,"end":327.965,"confidence":0.79168,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.19541168212890625},{"word":"because","start":327.965,"end":328.20502,"confidence":0.9953805,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1544073224067688},{"word":"i","start":328.20502,"end":328.285,"confidence":0.9993119,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16566497087478638},{"word":"know","start":328.285,"end":328.765,"confidence":0.99985015,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1665789932012558},{"word":"when","start":328.765,"end":329.005,"confidence":0.9941936,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.13988365232944489},{"word":"you've","start":329.005,"end":329.245,"confidence":0.9972455,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.11321605741977692},{"word":"got","start":329.245,"end":329.405,"confidence":0.9996927,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09233736991882324},{"word":"assets","start":329.405,"end":329.80502,"confidence":0.9991266,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.04956436902284622},{"word":"between","start":329.80502,"end":330.125,"confidence":0.99965715,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.034396637231111526},{"word":"countries","start":330.125,"end":330.625,"confidence":0.99219966,"punctuated_word":"countries,","sentiment":"neutral","sentiment_score":0.06535612046718597},{"word":"probably","start":331.005,"end":331.405,"confidence":0.77648497,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.03268987685441971},{"word":"better","start":331.405,"end":331.64502,"confidence":0.9951565,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.03200512379407883},{"word":"off","start":331.64502,"end":331.80502,"confidence":0.9937308,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.059073738753795624},{"word":"to","start":331.80502,"end":332.045,"confidence":0.9986947,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08194135874509811},{"word":"talk","start":332.045,"end":332.285,"confidence":0.99978644,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.09442728757858276},{"word":"to","start":332.285,"end":332.52502,"confidence":0.99948776,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11042675375938416},{"word":"a","start":332.52502,"end":332.685,"confidence":0.9997472,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08690173923969269},{"word":"lawyer","start":332.685,"end":333.185,"confidence":0.99989176,"punctuated_word":"lawyer","sentiment":"neutral","sentiment_score":0.05837308242917061},{"word":"as","start":333.245,"end":333.48502,"confidence":0.9951609,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09104114770889282},{"word":"point","start":333.48502,"end":333.725,"confidence":0.99841607,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.06955521553754807},{"word":"number","start":333.725,"end":334.045,"confidence":0.9998882,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.13049587607383728},{"word":"one","start":334.045,"end":334.545,"confidence":0.95055914,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.11145440489053726},{"word":"you've","start":335.21,"end":335.53,"confidence":0.99403703,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.11711236089468002},{"word":"got","start":335.53,"end":335.85,"confidence":0.99989057,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11970868706703186},{"word":"the","start":335.85,"end":336.09,"confidence":0.9618183,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1095859557390213},{"word":"public","start":336.09,"end":336.49,"confidence":0.91957414,"punctuated_word":"public","sentiment":"neutral","sentiment_score":0.1044524312019348},{"word":"trust","start":336.49,"end":336.72998,"confidence":0.44914564,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":0.09890781342983246},{"word":"in","start":336.72998,"end":336.97,"confidence":0.5608184,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11875192821025848},{"word":"courthouse","start":336.97,"end":337.47,"confidence":0.8289958,"punctuated_word":"courthouse","sentiment":"neutral","sentiment_score":0.1366780549287796},{"word":"of","start":337.61,"end":337.77,"confidence":0.9972588,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.150178000330925},{"word":"the","start":337.77,"end":337.93,"confidence":0.9987679,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1264011263847351},{"word":"state","start":337.93,"end":338.43,"confidence":0.9964226,"punctuated_word":"state","sentiment":"neutral","sentiment_score":0.15065714716911316},{"word":"can","start":338.49,"end":338.65,"confidence":0.6630818,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16834567487239838},{"word":"also","start":338.65,"end":338.97,"confidence":0.99985135,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.15603522956371307},{"word":"do","start":338.97,"end":339.13,"confidence":0.99894935,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13017551600933075},{"word":"wills","start":339.13,"end":339.63,"confidence":0.9569454,"punctuated_word":"wills.","sentiment":"neutral","sentiment_score":0.14591851830482483},{"word":"and","start":340.00998,"end":340.41,"confidence":0.9991794,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15602445602416992},{"word":"if","start":340.41,"end":340.65,"confidence":0.9987502,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15805616974830627},{"word":"you","start":340.65,"end":340.88998,"confidence":0.999861,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13880151510238647},{"word":"wanna","start":340.88998,"end":341.21,"confidence":0.8785832,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1741880178451538},{"word":"go","start":341.21,"end":341.37,"confidence":0.99909675,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1550191044807434},{"word":"that","start":341.37,"end":341.61,"confidence":0.99951804,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15196684002876282},{"word":"way","start":341.61,"end":341.85,"confidence":0.9985796,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.1454583704471588},{"word":"you","start":341.85,"end":341.93,"confidence":0.9998771,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1424422562122345},{"word":"can","start":341.93,"end":342.09,"confidence":0.9998994,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14049717783927915},{"word":"get","start":342.09,"end":342.25,"confidence":0.9998653,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11006858199834824},{"word":"a","start":342.25,"end":342.33,"confidence":0.999258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10500010848045348},{"word":"kit","start":342.33,"end":342.49,"confidence":0.99759907,"punctuated_word":"kit","sentiment":"neutral","sentiment_score":0.10456457734107973},{"word":"from","start":342.49,"end":342.72998,"confidence":0.9997937,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.12946969270706177},{"word":"the","start":342.72998,"end":342.88998,"confidence":0.99980015,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11286406219005583},{"word":"post","start":342.88998,"end":343.13,"confidence":0.99773395,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.11512595415115356},{"word":"office","start":343.13,"end":343.44998,"confidence":0.99988735,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.09842348098754884},{"word":"for","start":343.44998,"end":343.69,"confidence":0.99873585,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1282285749912262},{"word":"$25","start":343.69,"end":344.57,"confidence":0.9957578,"punctuated_word":"$25,","sentiment":"neutral","sentiment_score":0.10820670425891876},{"word":"but","start":344.57,"end":344.81,"confidence":0.99975795,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1022748127579689},{"word":"they're","start":344.81,"end":345.05,"confidence":0.999838,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.07964327186346054},{"word":"very","start":345.05,"end":345.28998,"confidence":0.9999006,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.07663034647703171},{"word":"basic","start":345.28998,"end":345.78998,"confidence":0.999879,"punctuated_word":"basic.","sentiment":"neutral","sentiment_score":0.10727444291114809},{"word":"okay","start":348.105,"end":348.605,"confidence":0.8681862,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.0655776709318161},{"word":"the","start":348.745,"end":348.905,"confidence":0.93033785,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.01819560304284096},{"word":"one","start":348.905,"end":349.065,"confidence":0.9996799,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.02152683213353157},{"word":"thing","start":349.065,"end":349.225,"confidence":0.9998165,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.02504511922597885},{"word":"i","start":349.225,"end":349.30502,"confidence":0.9997029,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.034682199358940125},{"word":"wanted","start":349.30502,"end":349.545,"confidence":0.86375296,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.04661345109343529},{"word":"to","start":349.545,"end":349.625,"confidence":0.99826235,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.041666775941848755},{"word":"sort","start":349.625,"end":349.785,"confidence":0.999148,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07598330080509186},{"word":"out","start":349.785,"end":349.86502,"confidence":0.9971064,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09733811020851137},{"word":"for","start":349.86502,"end":350.025,"confidence":0.999134,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09113721549510956},{"word":"you","start":350.025,"end":350.185,"confidence":0.99978346,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13432633876800537},{"word":"today","start":350.185,"end":350.42502,"confidence":0.999808,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.10494272410869598},{"word":"as","start":350.42502,"end":350.665,"confidence":0.99733007,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08979630470275879},{"word":"well","start":350.665,"end":351.165,"confidence":0.99993134,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.07579691708087921},{"word":"was","start":351.30502,"end":351.465,"confidence":0.96929145,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05031158030033112},{"word":"just","start":351.465,"end":351.625,"confidence":0.99850535,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.051404714584350586},{"word":"in","start":351.625,"end":351.785,"confidence":0.99960846,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.047281570732593536},{"word":"terms","start":351.785,"end":351.945,"confidence":0.99996984,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.04761771857738495},{"word":"of","start":351.945,"end":352.185,"confidence":0.99993634,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.052211880683898926},{"word":"beneficiaries","start":352.185,"end":352.685,"confidence":0.9996106,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.05774560570716858},{"word":"for","start":352.745,"end":352.825,"confidence":0.99927956,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06786420196294785},{"word":"the","start":352.825,"end":352.98502,"confidence":0.9986854,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0764816403388977},{"word":"super","start":352.98502,"end":353.385,"confidence":0.6847464,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.0834907740354538},{"word":"because","start":353.385,"end":353.625,"confidence":0.9983311,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.029093390330672264},{"word":"once","start":353.625,"end":353.86502,"confidence":0.99971765,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.05078311264514923},{"word":"we","start":353.86502,"end":354.105,"confidence":0.9998692,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07075170427560806},{"word":"moved","start":354.105,"end":354.345,"confidence":0.85707486,"punctuated_word":"moved","sentiment":"neutral","sentiment_score":0.09699719399213792},{"word":"you","start":354.345,"end":354.505,"confidence":0.9960598,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0772968977689743},{"word":"across","start":354.505,"end":354.825,"confidence":0.99980634,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.06876032799482346},{"word":"from","start":354.825,"end":355.065,"confidence":0.99989367,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.05837469547986984},{"word":"netwealth","start":355.065,"end":355.545,"confidence":0.956813,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.02704130113124847},{"word":"into","start":355.545,"end":355.86502,"confidence":0.998741,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.06715670228004456},{"word":"the","start":355.86502,"end":356.025,"confidence":0.99463356,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0764036476612091},{"word":"hub","start":356.025,"end":356.505,"confidence":0.98785615,"punctuated_word":"hub,","sentiment":"neutral","sentiment_score":0.05109851434826851},{"word":"i","start":356.505,"end":356.665,"confidence":0.99959475,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05845309793949127},{"word":"just","start":356.665,"end":356.825,"confidence":0.999902,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06128377467393875},{"word":"wanna","start":356.825,"end":357.14502,"confidence":0.9374923,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.08177294582128525},{"word":"make","start":357.14502,"end":357.305,"confidence":0.99911433,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.046481452882289886},{"word":"sure","start":357.305,"end":357.465,"confidence":0.9997991,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.054811447858810425},{"word":"that","start":357.465,"end":357.70502,"confidence":0.9999738,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0589476153254509},{"word":"that's","start":357.70502,"end":357.945,"confidence":0.99827075,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.05733756721019745},{"word":"been","start":357.945,"end":358.185,"confidence":0.99973124,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.06302773952484131},{"word":"put","start":358.185,"end":358.42502,"confidence":0.9997156,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.05045834556221962},{"word":"in","start":358.42502,"end":358.58502,"confidence":0.99950147,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05866455286741257},{"word":"place","start":358.58502,"end":358.98,"confidence":0.9968343,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.06388157606124878},{"word":"i'm","start":359.46002,"end":359.7,"confidence":0.98285407,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07179220020771027},{"word":"assuming","start":359.7,"end":360.18002,"confidence":0.99600035,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.04607575386762619},{"word":"you","start":360.18002,"end":360.26,"confidence":0.9992787,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034749116748571396},{"word":"would","start":360.26,"end":360.42,"confidence":0.90242016,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.04763184487819672},{"word":"you're","start":360.5,"end":360.74002,"confidence":0.72382665,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.03125022351741791},{"word":"trying","start":360.74002,"end":360.98,"confidence":0.982383,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.04065597057342529},{"word":"to","start":360.98,"end":361.14,"confidence":0.9989166,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.059122636914253235},{"word":"put","start":361.14,"end":361.38,"confidence":0.9998037,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.06879615783691406},{"word":"your","start":361.38,"end":361.54,"confidence":0.99956197,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04148248955607414},{"word":"wife","start":361.54,"end":361.78,"confidence":0.99984956,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":0.0535007081925869},{"word":"on","start":361.78,"end":362.02002,"confidence":0.99972266,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07222995162010193},{"word":"there","start":362.02002,"end":362.52002,"confidence":0.99967074,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.07714283466339111},{"word":"as","start":362.58002,"end":362.82,"confidence":0.99973494,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08232258260250092},{"word":"the","start":362.82,"end":363.06,"confidence":0.9995265,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06247473135590553},{"word":"beneficiary","start":363.06,"end":363.56,"confidence":0.9998542,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.07908839732408524},{"word":"for","start":363.62003,"end":363.78,"confidence":0.9992374,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08671651780605316},{"word":"the","start":363.78,"end":363.86002,"confidence":0.99775934,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08907196670770645},{"word":"super","start":363.86002,"end":364.18002,"confidence":0.9151951,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.0793222039937973},{"word":"is","start":364.18002,"end":364.26,"confidence":0.99935645,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.058197781443595886},{"word":"that","start":364.26,"end":364.42,"confidence":0.99983704,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0665690153837204},{"word":"correct","start":364.42,"end":364.92,"confidence":0.99979347,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.0567532554268837},{"word":"yeah","start":370.42,"end":370.92,"confidence":0.86383164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00672796368598938},{"word":"so","start":378.595,"end":379.095,"confidence":0.95596445,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.004815844818949699},{"word":"kids","start":379.155,"end":379.475,"confidence":0.7464584,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.022127334028482437},{"word":"in","start":379.475,"end":379.635,"confidence":0.93147606,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.007260095328092575},{"word":"a","start":379.635,"end":379.79498,"confidence":0.9919925,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0031729191541671753},{"word":"will","start":379.79498,"end":380.275,"confidence":0.9916558,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.006586723029613495},{"word":"is","start":380.275,"end":380.755,"confidence":0.9930727,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.003437608480453491},{"word":"at","start":380.755,"end":380.995,"confidence":0.6473238,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.003786474466323853},{"word":"any","start":380.995,"end":381.235,"confidence":0.99953103,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03716331720352173},{"word":"point","start":381.235,"end":381.735,"confidence":0.7433791,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":0.00336482934653759},{"word":"when","start":383.33002,"end":383.49002,"confidence":0.9968274,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.03580342233181},{"word":"it","start":383.49002,"end":383.65002,"confidence":0.9999405,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03771458566188812},{"word":"comes","start":383.65002,"end":383.97,"confidence":0.99980646,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.02948315441608429},{"word":"to","start":383.97,"end":384.21002,"confidence":0.99925536,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.046718768775463104},{"word":"beneficiaries","start":384.21002,"end":384.71002,"confidence":0.9999347,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.09774191677570344},{"word":"of","start":384.77002,"end":384.93002,"confidence":0.9887446,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07551994919776917},{"word":"your","start":384.93002,"end":385.17,"confidence":0.9766035,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.061215341091156006},{"word":"super","start":385.17,"end":385.67,"confidence":0.9929372,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.07218089699745178},{"word":"if","start":386.05002,"end":386.21002,"confidence":0.99840647,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0716194286942482},{"word":"you","start":386.21002,"end":386.37,"confidence":0.99995124,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07283907383680344},{"word":"include","start":386.37,"end":386.85,"confidence":0.9997881,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.07614399492740631},{"word":"someone","start":386.85,"end":387.17,"confidence":0.9998462,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.05266772955656051},{"word":"who's","start":387.17,"end":387.49002,"confidence":0.9977299,"punctuated_word":"who's","sentiment":"neutral","sentiment_score":0.04419472813606262},{"word":"under","start":387.49002,"end":387.97,"confidence":0.9995807,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.04725044593214989},{"word":"18","start":387.97,"end":388.47,"confidence":0.9895511,"punctuated_word":"18,","sentiment":"neutral","sentiment_score":0.03104356862604618},{"word":"then","start":388.53,"end":388.93002,"confidence":0.99781007,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04254467040300369},{"word":"if","start":388.93002,"end":389.09,"confidence":0.9966174,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0638313740491867},{"word":"they","start":389.09,"end":389.33002,"confidence":0.9999168,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.05959475040435791},{"word":"get","start":389.33002,"end":389.49002,"confidence":0.99991894,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.059663571417331696},{"word":"the","start":389.49002,"end":389.65002,"confidence":0.9995414,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05226292088627815},{"word":"money","start":389.65002,"end":389.97,"confidence":0.99147046,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":0.0737013891339302},{"word":"whoever's","start":389.97,"end":390.45,"confidence":0.94277173,"punctuated_word":"whoever's","sentiment":"neutral","sentiment_score":0.06240258738398552},{"word":"their","start":390.45,"end":390.61002,"confidence":0.9475893,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.038939591497182846},{"word":"guardian","start":390.61002,"end":391.09,"confidence":0.9998555,"punctuated_word":"guardian","sentiment":"neutral","sentiment_score":0.05901169404387474},{"word":"looks","start":391.09,"end":391.33002,"confidence":0.9786078,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.04385353997349739},{"word":"after","start":391.33002,"end":391.65002,"confidence":0.9992925,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.074373759329319},{"word":"the","start":391.65002,"end":391.73,"confidence":0.9994091,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07168357074260712},{"word":"funds","start":391.73,"end":392.13,"confidence":0.99959856,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.06885827332735062},{"word":"on","start":392.13,"end":392.29,"confidence":0.99979323,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09971433132886888},{"word":"their","start":392.29,"end":392.53,"confidence":0.9988844,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.06333133578300476},{"word":"behalf","start":392.53,"end":393.03,"confidence":0.9947388,"punctuated_word":"behalf.","sentiment":"neutral","sentiment_score":0.07471050322055817},{"word":"so","start":398.465,"end":398.785,"confidence":0.9977113,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07451272010803223},{"word":"it's","start":398.785,"end":399.025,"confidence":0.99959344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08980538696050644},{"word":"a","start":399.025,"end":399.10498,"confidence":0.9999038,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11559388041496275},{"word":"bit","start":399.10498,"end":399.345,"confidence":0.9999763,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.032936543226242065},{"word":"easier","start":399.345,"end":399.665,"confidence":0.9996458,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.1559002697467804},{"word":"to","start":399.665,"end":399.82498,"confidence":0.99968624,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1446525603532791},{"word":"go","start":399.82498,"end":399.985,"confidence":0.9998425,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.08202951401472092},{"word":"to","start":399.985,"end":400.145,"confidence":0.96699905,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.09407322853803636},{"word":"like","start":400.145,"end":400.305,"confidence":0.9989804,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08052778244018555},{"word":"a","start":400.305,"end":400.465,"confidence":0.99965274,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16389024257659912},{"word":"spouse","start":400.465,"end":400.865,"confidence":0.9999696,"punctuated_word":"spouse","sentiment":"neutral","sentiment_score":0.22574763000011444},{"word":"because","start":400.865,"end":401.10498,"confidence":0.93638325,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1380371451377869},{"word":"then","start":401.10498,"end":401.26498,"confidence":0.9975357,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2235165238380432},{"word":"it's","start":401.26498,"end":401.505,"confidence":0.9987893,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.22056329250335693},{"word":"all","start":401.505,"end":401.745,"confidence":0.9993268,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1990366131067276},{"word":"kind","start":401.745,"end":402.245,"confidence":0.9964619,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.10514535009860992},{"word":"of","start":402.625,"end":402.705,"confidence":0.9995586,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23344989120960236},{"word":"tax","start":402.705,"end":403.025,"confidence":0.9998572,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.25885117053985596},{"word":"free","start":403.025,"end":403.525,"confidence":0.867082,"punctuated_word":"free.","sentiment":"neutral","sentiment_score":0.1108606457710266},{"word":"whereas","start":403.905,"end":404.305,"confidence":0.99824166,"punctuated_word":"Whereas","sentiment":"neutral","sentiment_score":0.07329724729061127},{"word":"when","start":404.305,"end":404.465,"confidence":0.87479913,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.13834193348884585},{"word":"they're","start":404.465,"end":404.705,"confidence":0.9864711,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.1274561583995819},{"word":"over","start":404.705,"end":405.025,"confidence":0.99904543,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.18116626143455505},{"word":"18","start":405.025,"end":405.345,"confidence":0.9989089,"punctuated_word":"18,","sentiment":"neutral","sentiment_score":0.11365525424480438},{"word":"they're","start":405.345,"end":405.505,"confidence":0.9942442,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.14374685287475586},{"word":"no","start":405.505,"end":405.66498,"confidence":0.999416,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.08962073177099228},{"word":"longer","start":405.66498,"end":405.985,"confidence":0.9999367,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.093998022377491},{"word":"a","start":405.985,"end":406.065,"confidence":0.98768437,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12649419903755188},{"word":"tax","start":406.065,"end":406.305,"confidence":0.99992156,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.06543304026126862},{"word":"dependent","start":406.305,"end":406.705,"confidence":0.8803539,"punctuated_word":"dependent,","sentiment":"neutral","sentiment_score":0.11512237042188644},{"word":"so","start":406.705,"end":406.865,"confidence":0.9978759,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15862679481506348},{"word":"they","start":406.865,"end":407.025,"confidence":0.9979709,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.14755907654762268},{"word":"cop","start":407.025,"end":407.26498,"confidence":0.8230132,"punctuated_word":"cop","sentiment":"neutral","sentiment_score":0.07593737542629242},{"word":"a","start":407.26498,"end":407.345,"confidence":0.9994752,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11019676923751832},{"word":"little","start":407.345,"end":407.505,"confidence":0.9999491,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.04656875133514404},{"word":"bit","start":407.505,"end":407.66498,"confidence":0.99975914,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04028870165348053},{"word":"on","start":407.66498,"end":407.905,"confidence":0.9995048,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06525798887014389},{"word":"there","start":407.905,"end":408.36,"confidence":0.94592535,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0888688936829567},{"word":"okay","start":413.4,"end":413.8,"confidence":0.9850391,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09521149098873138},{"word":"so","start":413.8,"end":413.96,"confidence":0.9997634,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06852409243583679},{"word":"i","start":413.96,"end":414.19998,"confidence":0.99895513,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09247447550296783},{"word":"will","start":414.19998,"end":414.36,"confidence":0.9996406,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09720218181610107},{"word":"have","start":414.36,"end":414.52,"confidence":0.9999442,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11359558254480362},{"word":"to","start":414.52,"end":414.59998,"confidence":0.9996846,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1096855401992798},{"word":"send","start":414.59998,"end":414.84,"confidence":0.99977547,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.0938759446144104},{"word":"you","start":414.84,"end":415.0,"confidence":0.99597555,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.091303288936615},{"word":"out","start":415.0,"end":415.08,"confidence":0.9895989,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.13032564520835876},{"word":"a","start":415.08,"end":415.24,"confidence":0.9944576,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10065647214651108},{"word":"form","start":415.24,"end":415.56,"confidence":0.9998338,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.09139224886894226},{"word":"to","start":415.56,"end":415.63998,"confidence":0.9998925,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1101594865322113},{"word":"get","start":415.63998,"end":415.87997,"confidence":0.9999417,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11124017834663393},{"word":"that","start":415.87997,"end":416.37997,"confidence":0.99987614,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10483589768409728},{"word":"witnessed","start":416.59998,"end":417.09998,"confidence":0.78597087,"punctuated_word":"witnessed","sentiment":"neutral","sentiment_score":0.1599990874528885},{"word":"for","start":417.47998,"end":417.63998,"confidence":0.9829463,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10341641306877136},{"word":"it","start":417.63998,"end":417.8,"confidence":0.9971311,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0823143720626831},{"word":"to","start":417.8,"end":417.87997,"confidence":0.99762005,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08136378228664398},{"word":"be","start":417.87997,"end":418.03998,"confidence":0.9996965,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05645871162414551},{"word":"on","start":418.03998,"end":418.19998,"confidence":0.9997763,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.025398630648851395},{"word":"the","start":418.19998,"end":418.28,"confidence":0.99828845,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03449332341551781},{"word":"hub","start":418.28,"end":418.59998,"confidence":0.99152684,"punctuated_word":"hub.","sentiment":"neutral","sentiment_score":0.04215829819440842},{"word":"is","start":418.59998,"end":418.75998,"confidence":0.99973863,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.042592309415340424},{"word":"that","start":418.75998,"end":418.91998,"confidence":0.99988616,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07130836695432663},{"word":"okay","start":418.91998,"end":419.41998,"confidence":0.99972975,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.06273060292005539},{"word":"cool","start":421.175,"end":421.415,"confidence":0.9948157,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.5788842439651489},{"word":"i'll","start":421.415,"end":421.575,"confidence":0.9997572,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.48155149817466736},{"word":"get","start":421.575,"end":421.815,"confidence":0.9998933,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5813504457473755},{"word":"that","start":421.815,"end":421.89502,"confidence":0.5978614,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5503050684928894},{"word":"all","start":421.975,"end":422.055,"confidence":0.9894565,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.510277271270752},{"word":"that","start":422.055,"end":422.215,"confidence":0.9964405,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5105014443397522},{"word":"prefilled","start":422.215,"end":422.715,"confidence":0.911754,"punctuated_word":"prefilled","sentiment":"positive","sentiment_score":0.5578160285949707},{"word":"for","start":422.775,"end":422.935,"confidence":0.9998517,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5449032187461853},{"word":"you","start":422.935,"end":423.435,"confidence":0.999459,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4888901114463806},{"word":"we'll","start":423.575,"end":423.735,"confidence":0.93931895,"punctuated_word":"We'll","sentiment":"positive","sentiment_score":0.4810384511947632},{"word":"do","start":423.735,"end":423.895,"confidence":0.99997115,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5513321161270142},{"word":"a","start":423.895,"end":424.055,"confidence":0.99992144,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5382444858551025},{"word":"nice","start":424.055,"end":424.375,"confidence":0.9999523,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.6324269771575928},{"word":"clean","start":424.375,"end":424.875,"confidence":0.7972428,"punctuated_word":"clean","sentiment":"positive","sentiment_score":0.5832860469818115},{"word":"binding","start":425.415,"end":425.895,"confidence":0.7834068,"punctuated_word":"binding","sentiment":"positive","sentiment_score":0.5216724872589111},{"word":"legally","start":425.975,"end":426.475,"confidence":0.99994063,"punctuated_word":"legally","sentiment":"positive","sentiment_score":0.4307588934898377},{"word":"binding","start":426.535,"end":426.855,"confidence":0.9999411,"punctuated_word":"binding","sentiment":"positive","sentiment_score":0.3833529055118561},{"word":"nomination","start":426.855,"end":427.355,"confidence":0.98258865,"punctuated_word":"nomination.","sentiment":"positive","sentiment_score":0.4302505552768707},{"word":"and","start":427.815,"end":428.315,"confidence":0.99895775,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1662810891866684},{"word":"do","start":428.375,"end":428.535,"confidence":0.9715076,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07814885675907135},{"word":"you","start":428.535,"end":428.615,"confidence":0.9998387,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14296142756938934},{"word":"want","start":428.615,"end":428.775,"confidence":0.99970466,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.10053884238004684},{"word":"it","start":428.775,"end":428.935,"confidence":0.99921155,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15443038940429688},{"word":"to","start":428.935,"end":429.095,"confidence":0.99952924,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10606713593006134},{"word":"expire","start":429.095,"end":429.575,"confidence":0.999892,"punctuated_word":"expire","sentiment":"neutral","sentiment_score":0.10603038966655733},{"word":"every","start":429.575,"end":429.815,"confidence":0.999846,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.031655412167310715},{"word":"three","start":429.815,"end":429.975,"confidence":0.9998305,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.04730471596121788},{"word":"years","start":429.975,"end":430.215,"confidence":0.9994622,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.06074144318699837},{"word":"or","start":430.215,"end":430.375,"confidence":0.82269645,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06808940321207047},{"word":"just","start":430.375,"end":430.535,"confidence":0.99982893,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06324899196624756},{"word":"have","start":430.535,"end":430.775,"confidence":0.9996518,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09146680682897568},{"word":"it","start":430.775,"end":430.935,"confidence":0.9498884,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14714136719703674},{"word":"continuous","start":430.935,"end":431.415,"confidence":0.99700975,"punctuated_word":"continuous","sentiment":"neutral","sentiment_score":0.11717939376831056},{"word":"until","start":431.415,"end":431.735,"confidence":0.9998203,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.0868857204914093},{"word":"you","start":431.735,"end":431.895,"confidence":0.99974626,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1031726449728012},{"word":"change","start":431.895,"end":432.135,"confidence":0.99928015,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.08254584670066833},{"word":"it","start":432.135,"end":432.39,"confidence":0.9934927,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.13203877210617063},{"word":"easy","start":436.87003,"end":437.19,"confidence":0.9777559,"punctuated_word":"Easy","sentiment":"positive","sentiment_score":0.5713208913803101},{"word":"done","start":437.19,"end":437.35,"confidence":0.8219639,"punctuated_word":"done.","sentiment":"positive","sentiment_score":0.49197888374328613},{"word":"because","start":437.35,"end":437.51,"confidence":0.9763324,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.21406039595603943},{"word":"that","start":437.51,"end":437.59003,"confidence":0.9976489,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2651379108428955},{"word":"way","start":437.59003,"end":437.75,"confidence":0.99933463,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.30138498544692993},{"word":"i","start":437.75,"end":437.91,"confidence":0.5213,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.39290958642959595},{"word":"can","start":437.91,"end":438.07,"confidence":0.9997044,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.42170044779777527},{"word":"kind","start":438.07,"end":438.23,"confidence":0.9965945,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.3500993847846985},{"word":"of","start":438.23,"end":438.39,"confidence":0.9999161,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4267146587371826},{"word":"prefill","start":438.39,"end":438.87003,"confidence":0.9005407,"punctuated_word":"prefill","sentiment":"positive","sentiment_score":0.3875855803489685},{"word":"most","start":438.87003,"end":439.11002,"confidence":0.99809784,"punctuated_word":"most","sentiment":"positive","sentiment_score":0.45884448289871216},{"word":"of","start":439.11002,"end":439.27002,"confidence":0.99992716,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4485063552856446},{"word":"the","start":439.27002,"end":439.43002,"confidence":0.9998271,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4035812020301819},{"word":"details","start":439.43002,"end":439.91,"confidence":0.99989784,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.31764551997184753},{"word":"for","start":439.91,"end":439.99002,"confidence":0.9998945,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3684113323688507},{"word":"you","start":439.99002,"end":440.31003,"confidence":0.9486896,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.37637126445770264},{"word":"and","start":440.31003,"end":440.47,"confidence":0.9997522,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3309069275856018},{"word":"then","start":440.47,"end":440.63,"confidence":0.99922955,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.31005793809890747},{"word":"it's","start":440.63,"end":440.79,"confidence":0.99968886,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.3044147789478302},{"word":"just","start":440.79,"end":441.03003,"confidence":0.9999597,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.26256266236305237},{"word":"getting","start":441.03003,"end":441.27002,"confidence":0.99996006,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.2546849250793457},{"word":"it","start":441.27002,"end":441.43002,"confidence":0.99411017,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23141469061374664},{"word":"witnessed","start":441.43002,"end":441.93002,"confidence":0.99855113,"punctuated_word":"witnessed.","sentiment":"neutral","sentiment_score":0.262725293636322},{"word":"beautiful","start":444.645,"end":445.125,"confidence":0.9993955,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6792435646057129},{"word":"now","start":445.125,"end":445.445,"confidence":0.99977404,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.11565011739730836},{"word":"when","start":445.445,"end":445.685,"confidence":0.989682,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.030414164066314697},{"word":"it","start":445.685,"end":445.76498,"confidence":0.9998878,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.049294497817754745},{"word":"comes","start":445.76498,"end":446.005,"confidence":0.99991584,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.053512826561927795},{"word":"to","start":446.005,"end":446.085,"confidence":0.999826,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06281717121601105},{"word":"the","start":446.085,"end":446.245,"confidence":0.99804187,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0609663687646389},{"word":"super","start":446.245,"end":446.565,"confidence":0.56929,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.06289070099592209},{"word":"day","start":446.565,"end":446.725,"confidence":0.6167739,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.018202651292085648},{"word":"call","start":446.725,"end":446.965,"confidence":0.698216,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.004155304282903671},{"word":"do","start":446.965,"end":447.125,"confidence":0.9989849,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04588840901851654},{"word":"you","start":447.125,"end":447.205,"confidence":0.99739623,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.027604717761278152},{"word":"usually","start":447.205,"end":447.525,"confidence":0.99943966,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":-0.02007512748241425},{"word":"log","start":447.525,"end":447.685,"confidence":0.9844976,"punctuated_word":"log","sentiment":"neutral","sentiment_score":-0.024061642587184903},{"word":"in","start":447.685,"end":447.845,"confidence":0.99985063,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.004740752279758453},{"word":"and","start":447.845,"end":448.005,"confidence":0.99816906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.029579948633909225},{"word":"check-in","start":448.005,"end":448.405,"confidence":0.9008729,"punctuated_word":"check-in","sentiment":"neutral","sentiment_score":-0.007372750900685787},{"word":"netwealth","start":448.405,"end":448.805,"confidence":0.79334533,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":-0.010948470793664455},{"word":"or","start":448.805,"end":448.965,"confidence":0.9512686,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.043490078300237656},{"word":"your","start":448.965,"end":449.125,"confidence":0.9906837,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.025516048073768616},{"word":"hub","start":449.125,"end":449.625,"confidence":0.97287434,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.040722429752349854},{"word":"away","start":449.76498,"end":450.245,"confidence":0.8031659,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":0.02446042187511921},{"word":"or","start":450.245,"end":450.405,"confidence":0.9998191,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.041349269449710846},{"word":"do","start":450.405,"end":450.485,"confidence":0.9995845,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04094483703374863},{"word":"you","start":450.485,"end":450.645,"confidence":0.9997454,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03613616153597832},{"word":"usually","start":450.645,"end":450.965,"confidence":0.9995419,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":-0.021787483245134354},{"word":"just","start":450.965,"end":451.125,"confidence":0.9998721,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06363555043935776},{"word":"wait","start":451.125,"end":451.285,"confidence":0.9997178,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.062157612293958664},{"word":"for","start":451.285,"end":451.525,"confidence":0.9998709,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.052105434238910675},{"word":"the","start":451.525,"end":451.605,"confidence":0.9997688,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03187776356935501},{"word":"reviews","start":451.605,"end":452.105,"confidence":0.99955285,"punctuated_word":"reviews?","sentiment":"neutral","sentiment_score":0.0044593047350645065},{"word":"perfect","start":461.94,"end":462.42,"confidence":0.8975658,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4967301487922669},{"word":"and","start":462.42,"end":462.58002,"confidence":0.9979102,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1535303294658661},{"word":"do","start":462.58002,"end":462.66,"confidence":0.9814741,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.059628285467624664},{"word":"you","start":462.66,"end":462.82,"confidence":0.99850357,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07275830209255219},{"word":"tie","start":462.82,"end":462.98,"confidence":0.44334164,"punctuated_word":"tie","sentiment":"neutral","sentiment_score":0.05894796550273895},{"word":"kind","start":463.06003,"end":463.22,"confidence":0.9962929,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.09521453082561492},{"word":"of","start":463.22,"end":463.46002,"confidence":0.9996761,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08945424109697342},{"word":"marry","start":463.46002,"end":463.7,"confidence":0.9813411,"punctuated_word":"marry","sentiment":"neutral","sentiment_score":0.04952281713485718},{"word":"it","start":463.7,"end":463.78,"confidence":0.99973327,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04413412883877754},{"word":"up","start":463.78,"end":463.94,"confidence":0.9997408,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.03872155025601387},{"word":"with","start":463.94,"end":464.1,"confidence":0.9994392,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06072954088449478},{"word":"whatever's","start":464.1,"end":464.5,"confidence":0.8899182,"punctuated_word":"whatever's","sentiment":"neutral","sentiment_score":0.06297843158245087},{"word":"going","start":464.5,"end":464.74002,"confidence":0.99787605,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.09095761179924013},{"word":"on","start":464.74002,"end":464.90002,"confidence":0.9993703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07390975952148438},{"word":"in","start":464.90002,"end":464.98,"confidence":0.9108348,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05363332852721214},{"word":"the","start":464.98,"end":465.14,"confidence":0.99977714,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0853273794054985},{"word":"news","start":465.14,"end":465.46002,"confidence":0.99977773,"punctuated_word":"news","sentiment":"neutral","sentiment_score":0.06488144397735596},{"word":"at","start":465.46002,"end":465.54,"confidence":0.99721706,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.025785481557250023},{"word":"the","start":465.54,"end":465.7,"confidence":0.9894354,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06549347192049026},{"word":"time","start":465.7,"end":465.94,"confidence":0.9352577,"punctuated_word":"time?","sentiment":"neutral","sentiment_score":0.04783036559820175},{"word":"or","start":465.94,"end":466.44,"confidence":0.97356194,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.015484213829040527},{"word":"yeah","start":474.595,"end":474.915,"confidence":0.9189596,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.007165282964706421},{"word":"absolutely","start":474.915,"end":475.415,"confidence":0.9960334,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.16140606999397278},{"word":"you've","start":476.435,"end":476.675,"confidence":0.87536037,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.12461751699447632},{"word":"had","start":476.675,"end":476.835,"confidence":0.99984205,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.2275273948907852},{"word":"a","start":476.835,"end":476.915,"confidence":0.99986947,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4054759740829468},{"word":"pretty","start":476.915,"end":477.155,"confidence":0.9999007,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.38924601674079895},{"word":"good","start":477.155,"end":477.315,"confidence":0.9999536,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4328073561191559},{"word":"run","start":477.315,"end":477.475,"confidence":0.99933064,"punctuated_word":"run","sentiment":"positive","sentiment_score":0.44891899824142456},{"word":"of","start":477.475,"end":477.635,"confidence":0.99765944,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5256326794624329},{"word":"it","start":477.635,"end":477.79498,"confidence":0.8480079,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.44909974932670593},{"word":"thankfully","start":477.79498,"end":478.29498,"confidence":0.938182,"punctuated_word":"thankfully,","sentiment":"positive","sentiment_score":0.4354444146156311},{"word":"because","start":478.675,"end":479.075,"confidence":0.99982387,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.19474177062511444},{"word":"i","start":479.075,"end":479.155,"confidence":0.999845,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.27795088291168213},{"word":"know","start":479.155,"end":479.475,"confidence":0.99988544,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.26268690824508667},{"word":"that","start":479.475,"end":479.79498,"confidence":0.99747145,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1987700313329697},{"word":"the","start":479.79498,"end":479.955,"confidence":0.99938023,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2658931612968445},{"word":"team","start":479.955,"end":480.195,"confidence":0.9997559,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.22253528237342832},{"word":"puts","start":480.195,"end":480.435,"confidence":0.5857919,"punctuated_word":"puts","sentiment":"neutral","sentiment_score":0.14857687056064606},{"word":"you","start":480.435,"end":480.595,"confidence":0.9998623,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1741313636302948},{"word":"in","start":480.595,"end":480.755,"confidence":0.99927837,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15423095226287842},{"word":"a","start":480.755,"end":480.835,"confidence":0.99986994,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14914169907569885},{"word":"bit","start":480.835,"end":480.995,"confidence":0.9998996,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.014038324356079102},{"word":"better","start":480.995,"end":481.235,"confidence":0.9991254,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.020073555409908295},{"word":"of","start":481.235,"end":481.395,"confidence":0.99836475,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20664402842521667},{"word":"a","start":481.395,"end":481.475,"confidence":0.9979724,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1752343624830246},{"word":"portfolio","start":481.475,"end":481.975,"confidence":0.9998516,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.03632298111915589},{"word":"when","start":482.50998,"end":482.59,"confidence":0.9999387,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2103738933801651},{"word":"they","start":482.59,"end":482.83,"confidence":0.99957114,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1952659487724304},{"word":"switched","start":482.83,"end":483.07,"confidence":0.59948486,"punctuated_word":"switched","sentiment":"neutral","sentiment_score":0.21668526530265808},{"word":"you","start":483.07,"end":483.31,"confidence":0.99173135,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2187158167362213},{"word":"across","start":483.31,"end":483.55,"confidence":0.99974674,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.1638733446598053},{"word":"the","start":483.55,"end":483.71,"confidence":0.8923882,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18706096708774567},{"word":"hub","start":483.71,"end":483.94998,"confidence":0.7435305,"punctuated_word":"hub,","sentiment":"neutral","sentiment_score":0.1486927568912506},{"word":"so","start":483.94998,"end":484.19,"confidence":0.9996705,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1594112366437912},{"word":"it","start":484.19,"end":484.27,"confidence":0.9994355,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16574521362781525},{"word":"hasn't","start":484.27,"end":484.50998,"confidence":0.999952,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":0.10538182407617568},{"word":"gone","start":484.50998,"end":484.75,"confidence":0.99845624,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.05402178317308426},{"word":"into","start":484.75,"end":484.99,"confidence":0.9982546,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.09064579755067824},{"word":"the","start":484.99,"end":485.15,"confidence":0.9989261,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05130915343761444},{"word":"negative","start":485.15,"end":485.63,"confidence":0.9998865,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.07090254127979279},{"word":"like","start":485.63,"end":485.78998,"confidence":0.9491354,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.06929869949817657},{"word":"the","start":485.78998,"end":485.94998,"confidence":0.9990796,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04969532787799835},{"word":"previous","start":485.94998,"end":486.43,"confidence":0.9999472,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":0.07438130676746368},{"word":"one","start":486.43,"end":486.93,"confidence":0.9977118,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.05003458634018898},{"word":"it's","start":487.22998,"end":487.47,"confidence":0.84285545,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1286080777645111},{"word":"still","start":487.47,"end":487.71,"confidence":0.9998418,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.20475336909294128},{"word":"up","start":487.71,"end":488.11,"confidence":0.976019,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.2061854600906372},{"word":"i","start":488.11,"end":488.19,"confidence":0.9997073,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23238840699195865},{"word":"think","start":488.19,"end":488.43,"confidence":0.99996674,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.2044482529163361},{"word":"you","start":488.43,"end":488.59,"confidence":0.9966845,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26027169823646545},{"word":"you've","start":488.66998,"end":488.91,"confidence":0.99974024,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.2743443250656128},{"word":"gone","start":488.91,"end":489.07,"confidence":0.9993523,"punctuated_word":"gone","sentiment":"positive","sentiment_score":0.33480533957481384},{"word":"from","start":489.07,"end":489.31,"confidence":0.9996487,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.3085784316062927},{"word":"$683,000","start":489.31,"end":490.77,"confidence":0.9977516,"punctuated_word":"$683,000","sentiment":"neutral","sentiment_score":0.2512458860874176},{"word":"to","start":490.99,"end":491.22998,"confidence":0.9965653,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2897196412086487},{"word":"$7.33","start":491.22998,"end":492.44998,"confidence":0.9571272,"punctuated_word":"$7.33,","sentiment":"neutral","sentiment_score":0.2607114613056183},{"word":"including","start":492.75,"end":493.25,"confidence":0.9999305,"punctuated_word":"including","sentiment":"neutral","sentiment_score":0.2848115563392639},{"word":"your","start":493.47,"end":493.78998,"confidence":0.91271955,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.26186445355415344},{"word":"contributions","start":493.78998,"end":494.28998,"confidence":0.99962366,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.24947716295719147},{"word":"and","start":494.50998,"end":494.66998,"confidence":0.8754146,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3235754072666168},{"word":"your","start":494.66998,"end":494.91,"confidence":0.9995134,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3061060905456543},{"word":"growth","start":494.91,"end":495.41,"confidence":0.975526,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.2929684519767761},{"word":"so","start":495.51498,"end":495.595,"confidence":0.99937016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22661906480789185},{"word":"there's","start":495.595,"end":495.915,"confidence":0.99147666,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.25129106640815735},{"word":"been","start":495.915,"end":496.075,"confidence":0.99974734,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.27468517422676086},{"word":"about","start":496.075,"end":496.475,"confidence":0.9994704,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.21814221143722537},{"word":"$30","start":496.475,"end":497.195,"confidence":0.9991628,"punctuated_word":"$30","sentiment":"neutral","sentiment_score":0.2955317795276642},{"word":"worth","start":497.195,"end":497.435,"confidence":0.9995204,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.17081531882286072},{"word":"of","start":497.435,"end":497.675,"confidence":0.9998741,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21721889078617096},{"word":"net","start":497.675,"end":498.175,"confidence":0.99869436,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.2635849118232727},{"word":"growth","start":498.235,"end":498.635,"confidence":0.99971753,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2679786682128906},{"word":"on","start":498.635,"end":498.875,"confidence":0.99971074,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2003820836544037},{"word":"top","start":498.875,"end":499.375,"confidence":0.9999026,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.11512522399425508},{"word":"of","start":499.435,"end":499.595,"confidence":0.99964356,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20514410734176636},{"word":"your","start":499.595,"end":499.835,"confidence":0.99935263,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18524739146232605},{"word":"contributions","start":499.835,"end":500.335,"confidence":0.99964166,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.14592738449573517},{"word":"in","start":500.555,"end":500.635,"confidence":0.99933416,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1812145859003067},{"word":"there","start":500.635,"end":500.79498,"confidence":0.8560287,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.15105979144573212},{"word":"so","start":500.79498,"end":501.035,"confidence":0.99942964,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07812526822090149},{"word":"it's","start":501.035,"end":501.195,"confidence":0.999193,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08406683802604675},{"word":"still","start":501.195,"end":501.435,"confidence":0.999936,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07722166180610657},{"word":"growing","start":501.435,"end":501.935,"confidence":0.9331451,"punctuated_word":"growing,","sentiment":"neutral","sentiment_score":0.06216966360807419},{"word":"but","start":502.235,"end":502.735,"confidence":0.9960322,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.012692227959632874},{"word":"it's","start":502.79498,"end":502.955,"confidence":0.93594694,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.3805660605430603},{"word":"definitely","start":502.955,"end":503.275,"confidence":0.9997178,"punctuated_word":"definitely","sentiment":"negative","sentiment_score":-0.463310182094574},{"word":"had","start":503.275,"end":503.435,"confidence":0.9984427,"punctuated_word":"had","sentiment":"negative","sentiment_score":-0.3798268139362335},{"word":"a","start":503.435,"end":503.51498,"confidence":0.9998487,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4286192059516907},{"word":"bit","start":503.51498,"end":503.675,"confidence":0.99963605,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.4382505118846894},{"word":"of","start":503.675,"end":503.835,"confidence":0.99977654,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4345548450946808},{"word":"a","start":503.835,"end":503.915,"confidence":0.99941075,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.42997246980667114},{"word":"slow","start":503.915,"end":504.235,"confidence":0.99851304,"punctuated_word":"slow","sentiment":"negative","sentiment_score":-0.4571562707424164},{"word":"year","start":504.235,"end":504.635,"confidence":0.99978536,"punctuated_word":"year","sentiment":"negative","sentiment_score":-0.5283976197242737},{"word":"compared","start":504.635,"end":505.035,"confidence":0.99826115,"punctuated_word":"compared","sentiment":"negative","sentiment_score":-0.43222057819366455},{"word":"to","start":505.035,"end":505.195,"confidence":0.9993449,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.414715439081192},{"word":"last","start":505.195,"end":505.435,"confidence":0.9992355,"punctuated_word":"last","sentiment":"negative","sentiment_score":-0.34328970313072205},{"word":"year","start":505.435,"end":505.935,"confidence":0.99960923,"punctuated_word":"year.","sentiment":"negative","sentiment_score":-0.3527856469154358},{"word":"perfect","start":507.85,"end":508.33002,"confidence":0.99789965,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.17231737077236176},{"word":"two","start":508.33002,"end":508.49002,"confidence":0.99885297,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":0.03516261279582977},{"word":"things","start":508.49002,"end":508.73,"confidence":0.99989593,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.011397607624530792},{"word":"i","start":508.73,"end":508.81,"confidence":0.9997311,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006178971379995346},{"word":"wanted","start":508.81,"end":509.05002,"confidence":0.9977107,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.02148088812828064},{"word":"to","start":509.05002,"end":509.13,"confidence":0.9986576,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.033245839178562164},{"word":"talk","start":509.13,"end":509.29,"confidence":0.9998554,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.04912148043513298},{"word":"to","start":509.29,"end":509.37003,"confidence":0.99598503,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010294675827026367},{"word":"you","start":509.37003,"end":509.45,"confidence":0.99292433,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.021085243672132492},{"word":"about","start":509.45,"end":509.69,"confidence":0.9863659,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":0.02299029566347599},{"word":"so","start":509.69,"end":510.19,"confidence":0.99897444,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.008570749312639236},{"word":"one","start":510.57,"end":510.81,"confidence":0.9955395,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.004240728914737701},{"word":"thing","start":510.81,"end":511.05002,"confidence":0.999966,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.0027141906321048737},{"word":"in","start":511.05002,"end":511.13,"confidence":0.9904327,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.015488710254430773},{"word":"terms","start":511.13,"end":511.45,"confidence":0.9999789,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.016574211418628693},{"word":"of","start":511.45,"end":511.61002,"confidence":0.9997967,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.030610039830207825},{"word":"risk","start":511.61002,"end":511.77002,"confidence":0.9997898,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.04225573316216469},{"word":"level","start":511.77002,"end":512.09,"confidence":0.73116624,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":-0.03010326623916626},{"word":"because","start":512.09,"end":512.41003,"confidence":0.9997962,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.05293380841612816},{"word":"i","start":512.41003,"end":512.49,"confidence":0.99974245,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03185378387570381},{"word":"had","start":512.49,"end":512.73004,"confidence":0.9996238,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.04529145359992981},{"word":"you","start":512.73004,"end":513.05,"confidence":0.9995295,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.027119822800159454},{"word":"with","start":513.05,"end":513.37,"confidence":0.9653184,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.06110693886876106},{"word":"retiring","start":513.37,"end":513.87,"confidence":0.99978906,"punctuated_word":"retiring","sentiment":"neutral","sentiment_score":-0.06046853959560394},{"word":"around","start":513.93,"end":514.33,"confidence":0.9977976,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.06902685761451721},{"word":"age","start":514.33,"end":514.65,"confidence":0.99134326,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.046435561031103134},{"word":"60","start":514.65,"end":515.15,"confidence":0.7633909,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":-0.03281746432185173},{"word":"you","start":515.29004,"end":515.45,"confidence":0.99857724,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.041327957063913345},{"word":"hit","start":515.45,"end":515.69,"confidence":0.9989625,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":-0.058084506541490555},{"word":"your","start":515.69,"end":515.85004,"confidence":0.9990212,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03831419721245766},{"word":"preservation","start":515.85004,"end":516.35004,"confidence":0.9884674,"punctuated_word":"preservation","sentiment":"neutral","sentiment_score":-0.06470140814781189},{"word":"age","start":516.41003,"end":516.65,"confidence":0.85608464,"punctuated_word":"age.","sentiment":"neutral","sentiment_score":-0.06933312118053436},{"word":"you're","start":516.65,"end":516.89,"confidence":0.7995283,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.04317434132099152},{"word":"wanting","start":516.89,"end":517.21,"confidence":0.9989374,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.051217734813690186},{"word":"to","start":517.21,"end":517.37,"confidence":0.99961084,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04272155463695526},{"word":"retire","start":517.37,"end":517.77,"confidence":0.9998247,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":-0.033981211483478546},{"word":"pretty","start":517.77,"end":518.01,"confidence":0.99870574,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.0538291335105896},{"word":"early","start":518.01,"end":518.33,"confidence":0.9995531,"punctuated_word":"early.","sentiment":"neutral","sentiment_score":-0.04749058187007904},{"word":"does","start":518.33,"end":518.49,"confidence":0.97751087,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.013918772339820862},{"word":"that","start":518.49,"end":518.65,"confidence":0.99987733,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04003787040710449},{"word":"sound","start":518.65,"end":518.89,"confidence":0.9999056,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.01023588329553604},{"word":"right","start":518.89,"end":519.39,"confidence":0.99948895,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.011735837906599045},{"word":"absolutely","start":522.34503,"end":522.84503,"confidence":0.9585626,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.05687834322452545},{"word":"so","start":523.065,"end":523.54504,"confidence":0.9996444,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0064081065356731415},{"word":"i","start":523.54504,"end":523.78503,"confidence":0.9930513,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0021614469587802887},{"word":"wanna","start":523.78503,"end":524.025,"confidence":0.9705629,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.016902074217796326},{"word":"have","start":524.025,"end":524.265,"confidence":0.9997199,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.022275887429714203},{"word":"a","start":524.265,"end":524.34503,"confidence":0.9999368,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004893112927675247},{"word":"little","start":524.34503,"end":524.585,"confidence":0.9996282,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.006568282842636108},{"word":"bit","start":524.585,"end":524.66504,"confidence":0.9999435,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.001117803156375885},{"word":"of","start":524.66504,"end":524.825,"confidence":0.9997452,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009637750685214996},{"word":"a","start":524.825,"end":525.065,"confidence":0.9995177,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.005434196442365646},{"word":"a","start":525.065,"end":525.22504,"confidence":0.89913946,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02070562168955803},{"word":"careful","start":525.22504,"end":525.625,"confidence":0.9997664,"punctuated_word":"careful","sentiment":"neutral","sentiment_score":-0.028011508285999295},{"word":"talk","start":525.625,"end":525.945,"confidence":0.9997454,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.0026956796646118164},{"word":"about","start":525.945,"end":526.265,"confidence":0.9998852,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0038873255252838135},{"word":"risk","start":526.265,"end":526.505,"confidence":0.99981457,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.0008935779333114624},{"word":"level","start":526.505,"end":527.005,"confidence":0.999923,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.026265986263751984},{"word":"because","start":527.145,"end":527.54504,"confidence":0.68612117,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0219266414642334},{"word":"what's","start":527.54504,"end":527.945,"confidence":0.9988431,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.008880558423697948},{"word":"essentially","start":527.945,"end":528.42505,"confidence":0.99623674,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.01962186768651009},{"word":"gonna","start":528.42505,"end":528.66504,"confidence":0.99615437,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.00930463895201683},{"word":"happen","start":528.66504,"end":528.905,"confidence":0.99941933,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.011515196412801744},{"word":"is","start":528.905,"end":529.065,"confidence":0.99807763,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02083846554160118},{"word":"you're","start":529.065,"end":529.22504,"confidence":0.9986849,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.013421054929494858},{"word":"in","start":529.22504,"end":529.385,"confidence":0.9982768,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.005453336983919144},{"word":"a","start":529.385,"end":529.54504,"confidence":0.9996082,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026599332690238953},{"word":"growth","start":529.54504,"end":529.86505,"confidence":0.9993291,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.031360626220703125},{"word":"portfolio","start":529.86505,"end":530.36505,"confidence":0.9977333,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.008859658613801003},{"word":"you're","start":530.505,"end":530.825,"confidence":0.9985821,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.026724886149168015},{"word":"a","start":530.825,"end":530.905,"confidence":0.47194347,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03677258640527725},{"word":"four","start":530.905,"end":531.22504,"confidence":0.99971074,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.030161580070853233},{"word":"out","start":531.22504,"end":531.385,"confidence":0.9992956,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.02727404795587063},{"word":"of","start":531.385,"end":531.465,"confidence":0.9970042,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02967885136604309},{"word":"five","start":531.465,"end":531.9,"confidence":0.99973327,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.013721633702516556},{"word":"at","start":531.98004,"end":532.22003,"confidence":0.99987125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.008518215268850327},{"word":"this","start":532.22003,"end":532.38,"confidence":0.99991477,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.03659162297844887},{"word":"point","start":532.38,"end":532.62,"confidence":0.858446,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.020151717588305473},{"word":"just","start":532.62,"end":532.86005,"confidence":0.999734,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01613912731409073},{"word":"above","start":532.86005,"end":533.18005,"confidence":0.9966503,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.03797837346792221},{"word":"medium","start":533.18005,"end":533.68005,"confidence":0.9755422,"punctuated_word":"medium.","sentiment":"neutral","sentiment_score":0.02802254445850849},{"word":"now","start":533.9,"end":534.30005,"confidence":0.99962664,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.30135613679885864},{"word":"growth","start":534.30005,"end":534.62,"confidence":0.98057646,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.4208787679672241},{"word":"portfolio","start":534.62,"end":535.02,"confidence":0.8934155,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.36073678731918335},{"word":"is","start":535.02,"end":535.26,"confidence":0.7811275,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5321506261825562},{"word":"great","start":535.26,"end":535.58,"confidence":0.99242103,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.48762208223342896},{"word":"you","start":535.58,"end":535.74005,"confidence":0.99984896,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.4418147802352905},{"word":"get","start":535.74005,"end":535.9,"confidence":0.99976486,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4483516812324524},{"word":"your","start":535.9,"end":536.14,"confidence":0.9918467,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4236869215965271},{"word":"nine","start":536.14,"end":536.38,"confidence":0.99954,"punctuated_word":"nine","sentiment":"positive","sentiment_score":0.3722795844078064},{"word":"to","start":536.38,"end":536.54004,"confidence":0.9714531,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3162209391593933},{"word":"12%","start":536.54004,"end":537.18005,"confidence":0.99925876,"punctuated_word":"12%","sentiment":"positive","sentiment_score":0.3768541216850281},{"word":"average","start":537.18005,"end":537.58,"confidence":0.9991788,"punctuated_word":"average","sentiment":"positive","sentiment_score":0.3638014197349548},{"word":"returns","start":537.58,"end":538.08,"confidence":0.9966581,"punctuated_word":"returns.","sentiment":"neutral","sentiment_score":0.3320905566215515},{"word":"we","start":538.38,"end":538.62,"confidence":0.9995191,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.5652639269828796},{"word":"love","start":538.62,"end":538.86005,"confidence":0.9984138,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.6227836012840271},{"word":"that","start":538.86005,"end":539.18005,"confidence":0.9993599,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6123648285865784},{"word":"double","start":539.18005,"end":539.5,"confidence":0.49658072,"punctuated_word":"double","sentiment":"positive","sentiment_score":0.6175500154495239},{"word":"digits","start":539.5,"end":539.9,"confidence":0.99699247,"punctuated_word":"digits","sentiment":"positive","sentiment_score":0.6272568702697754},{"word":"are","start":539.9,"end":539.98004,"confidence":0.97976524,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.5555990934371948},{"word":"great","start":539.98004,"end":540.48004,"confidence":0.9996425,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.47111958265304565},{"word":"you're","start":540.94,"end":541.18005,"confidence":0.9993216,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.1833552122116089},{"word":"in","start":541.18005,"end":541.34,"confidence":0.9999385,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1952979564666748},{"word":"your","start":541.34,"end":541.5,"confidence":0.99796695,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23181596398353577},{"word":"last","start":541.5,"end":541.82,"confidence":0.9998411,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.16677561402320862},{"word":"period","start":541.82,"end":542.14,"confidence":0.9997398,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.2467312663793564},{"word":"of","start":542.14,"end":542.30005,"confidence":0.9995647,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18278415501117704},{"word":"getting","start":542.30005,"end":542.54004,"confidence":0.9999044,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.1714211404323578},{"word":"that","start":542.54004,"end":542.78,"confidence":0.99952745,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24957790970802307},{"word":"growth","start":542.78,"end":543.18005,"confidence":0.9997279,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2507188320159912},{"word":"because","start":543.18005,"end":543.68005,"confidence":0.85157067,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0985717475414276},{"word":"each","start":544.07495,"end":544.315,"confidence":0.99981755,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.1477588266134262},{"word":"year","start":544.315,"end":544.39496,"confidence":0.86914814,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.18433409929275513},{"word":"you","start":544.39496,"end":544.63495,"confidence":0.999345,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2181463837623596},{"word":"could","start":544.63495,"end":544.795,"confidence":0.9993467,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.20690278708934784},{"word":"be","start":544.795,"end":545.035,"confidence":0.9945761,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.241466224193573},{"word":"800,900","start":545.035,"end":546.95496,"confidence":0.90066904,"punctuated_word":"800,900","sentiment":"neutral","sentiment_score":0.2010166347026825},{"word":"then","start":546.95496,"end":547.115,"confidence":0.35668805,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.25422072410583496},{"word":"a","start":547.115,"end":547.195,"confidence":0.99596894,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21488864719867704},{"word":"million","start":547.195,"end":547.595,"confidence":0.9991437,"punctuated_word":"million","sentiment":"neutral","sentiment_score":0.2306279093027115},{"word":"all","start":547.595,"end":547.755,"confidence":0.82743835,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.23457986116409305},{"word":"in","start":547.755,"end":547.915,"confidence":0.9972626,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.132081538438797},{"word":"a","start":547.915,"end":547.995,"confidence":0.9994899,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12755058705806732},{"word":"few","start":547.995,"end":548.15497,"confidence":0.99962616,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.13118308782577515},{"word":"years'","start":548.15497,"end":548.475,"confidence":0.8767185,"punctuated_word":"years'","sentiment":"neutral","sentiment_score":0.1947421133518219},{"word":"time","start":548.475,"end":548.975,"confidence":0.99961615,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.18679912388324735},{"word":"does","start":549.115,"end":549.355,"confidence":0.9994584,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.12146702408790588},{"word":"that","start":549.355,"end":549.51495,"confidence":0.99993885,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1699257791042328},{"word":"make","start":549.51495,"end":549.675,"confidence":0.99620926,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10294077545404434},{"word":"sense","start":549.675,"end":550.175,"confidence":0.99991864,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.0657995268702507},{"word":"but","start":550.475,"end":550.63495,"confidence":0.9972168,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.05954796448349953},{"word":"at","start":550.63495,"end":550.795,"confidence":0.9891868,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.21923092007637024},{"word":"the","start":550.795,"end":550.95496,"confidence":0.99944526,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1860736608505249},{"word":"same","start":550.95496,"end":551.27496,"confidence":0.9998267,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.17289578914642334},{"word":"time","start":551.27496,"end":551.77496,"confidence":0.9978721,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.17964085936546326},{"word":"if","start":552.07495,"end":552.315,"confidence":0.99873585,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2611202299594879},{"word":"the","start":552.315,"end":552.475,"confidence":0.99954236,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.32495033740997314},{"word":"market","start":552.475,"end":552.95496,"confidence":0.9998679,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.3594626486301422},{"word":"crashes","start":552.95496,"end":553.45496,"confidence":0.9988071,"punctuated_word":"crashes","sentiment":"neutral","sentiment_score":-0.24963320791721344},{"word":"and","start":553.675,"end":553.83496,"confidence":0.98446935,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.30105188488960266},{"word":"the","start":553.83496,"end":553.995,"confidence":0.9997483,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3261267840862274},{"word":"world","start":553.995,"end":554.315,"confidence":0.9996798,"punctuated_word":"world","sentiment":"negative","sentiment_score":-0.4069424271583557},{"word":"explodes","start":554.315,"end":554.815,"confidence":0.99944466,"punctuated_word":"explodes,","sentiment":"neutral","sentiment_score":-0.27587637305259705},{"word":"i","start":555.035,"end":555.195,"confidence":0.9997944,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3083222508430481},{"word":"don't","start":555.195,"end":555.355,"confidence":0.99997115,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2676900327205658},{"word":"want","start":555.355,"end":555.595,"confidence":0.9997279,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.3218027949333191},{"word":"you","start":555.595,"end":555.755,"confidence":0.99984705,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.32439908385276794},{"word":"to","start":555.755,"end":555.915,"confidence":0.99859005,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3584079146385193},{"word":"drop","start":555.915,"end":556.15497,"confidence":0.99981266,"punctuated_word":"drop","sentiment":"negative","sentiment_score":-0.3496790826320648},{"word":"down","start":556.15497,"end":556.475,"confidence":0.9997609,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.2888277471065521},{"word":"to","start":556.475,"end":556.95496,"confidence":0.99775875,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.35274559259414673},{"word":"500,000","start":556.95496,"end":558.255,"confidence":0.998635,"punctuated_word":"500,000","sentiment":"neutral","sentiment_score":-0.3058761954307556},{"word":"all","start":558.475,"end":558.63495,"confidence":0.9856909,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.3495645523071289},{"word":"of","start":558.63495,"end":558.795,"confidence":0.9998876,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.32023856043815613},{"word":"a","start":558.795,"end":558.875,"confidence":0.9984816,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.33524322509765625},{"word":"sudden","start":558.875,"end":559.375,"confidence":0.9361596,"punctuated_word":"sudden,","sentiment":"neutral","sentiment_score":-0.2902653217315674},{"word":"and","start":559.72,"end":559.96,"confidence":0.99979323,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2389000952243805},{"word":"then","start":559.96,"end":560.04,"confidence":0.9999502,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.19823592901229856},{"word":"you've","start":560.04,"end":560.36,"confidence":0.99947846,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.24208758771419525},{"word":"got","start":560.36,"end":560.52,"confidence":0.6223413,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.26155874133110046},{"word":"to","start":560.52,"end":560.6,"confidence":0.996093,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2639235556125641},{"word":"wait","start":560.6,"end":560.92,"confidence":0.9996693,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.28981006145477295},{"word":"another","start":560.92,"end":561.4,"confidence":0.9996376,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.32059237360954285},{"word":"five","start":561.4,"end":561.48,"confidence":0.99976236,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.30039411783218384},{"word":"years","start":561.48,"end":561.88,"confidence":0.9997029,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.28048229217529297},{"word":"to","start":561.88,"end":562.04,"confidence":0.9997677,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2677350342273712},{"word":"retire","start":562.04,"end":562.36,"confidence":0.99849,"punctuated_word":"retire.","sentiment":"neutral","sentiment_score":-0.23650652170181272},{"word":"do","start":562.36,"end":562.44,"confidence":0.99670726,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.1021043062210083},{"word":"you","start":562.44,"end":562.52,"confidence":0.999923,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0882389098405838},{"word":"know","start":562.52,"end":562.68,"confidence":0.99989593,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.10621041804552078},{"word":"what","start":562.68,"end":562.84,"confidence":0.9998591,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.1042543351650238},{"word":"i","start":562.84,"end":562.92,"confidence":0.999711,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08753916621208191},{"word":"mean","start":562.92,"end":563.42,"confidence":0.99995255,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":-0.10810074955224992},{"word":"so","start":564.44,"end":564.76,"confidence":0.9935548,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.011327311396598816},{"word":"i","start":564.76,"end":564.92,"confidence":0.99906665,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.001135110855102539},{"word":"kinda","start":564.92,"end":565.16,"confidence":0.66516787,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.025420669466257095},{"word":"call","start":565.16,"end":565.4,"confidence":0.9969818,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.02048546075820923},{"word":"that","start":565.4,"end":565.56,"confidence":0.9995654,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0013783499598503113},{"word":"the","start":565.56,"end":565.72,"confidence":0.9579143,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009065113961696625},{"word":"sequencing","start":565.72,"end":566.12,"confidence":0.99990034,"punctuated_word":"sequencing","sentiment":"neutral","sentiment_score":-0.009331963956356049},{"word":"risk","start":566.12,"end":566.36,"confidence":0.9976699,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.00448434054851532},{"word":"where","start":566.36,"end":566.6,"confidence":0.82344466,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.007544673979282379},{"word":"it's","start":566.6,"end":566.68,"confidence":0.9984745,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.009119236841797829},{"word":"like","start":566.68,"end":566.84,"confidence":0.668671,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.01858044415712357},{"word":"it's","start":566.84,"end":567.0,"confidence":0.999543,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09316849708557128},{"word":"all","start":567.0,"end":567.16,"confidence":0.99884254,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2337035536766052},{"word":"good","start":567.16,"end":567.32,"confidence":0.99995065,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2686350643634796},{"word":"to","start":567.32,"end":567.48,"confidence":0.9996537,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20029166340827945},{"word":"get","start":567.48,"end":567.64,"confidence":0.9999347,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3081861138343811},{"word":"the","start":567.64,"end":567.8,"confidence":0.9987293,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27351897954940796},{"word":"returns","start":567.8,"end":568.27997,"confidence":0.99984527,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.3355507552623749},{"word":"now","start":568.27997,"end":568.77997,"confidence":0.7922753,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.16197960078716278},{"word":"but","start":568.84,"end":569.0,"confidence":0.9993356,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03144326061010361},{"word":"if","start":569.0,"end":569.16,"confidence":0.9995708,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.10838864743709564},{"word":"you're","start":569.16,"end":569.4,"confidence":0.99068093,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.09895597398281096},{"word":"a","start":569.4,"end":569.48,"confidence":0.9581442,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12198223173618317},{"word":"day","start":569.48,"end":569.64,"confidence":0.9999232,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.10203299671411514},{"word":"off","start":569.64,"end":569.8,"confidence":0.9916877,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.12479536235332488},{"word":"retirement","start":569.8,"end":570.2,"confidence":0.99296355,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":-0.13681621849536896},{"word":"you","start":570.2,"end":570.36,"confidence":0.99979895,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2295534461736679},{"word":"probably","start":570.36,"end":570.6,"confidence":0.9986375,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.18612195551395416},{"word":"don't","start":570.6,"end":570.84,"confidence":0.99982935,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.14606784284114838},{"word":"wanna","start":570.84,"end":571.08,"confidence":0.69360083,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.17855730652809143},{"word":"be","start":571.08,"end":571.24,"confidence":0.9975418,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1625095009803772},{"word":"too","start":571.24,"end":571.4,"confidence":0.99953926,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.25410762429237366},{"word":"high","start":571.4,"end":571.56,"confidence":0.9998908,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.21471832692623136},{"word":"risk","start":571.56,"end":572.06,"confidence":0.9992329,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":-0.12265283614397048},{"word":"so","start":574.005,"end":574.505,"confidence":0.9990252,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02166314423084259},{"word":"in","start":574.72504,"end":574.965,"confidence":0.9917048,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.015709687024354935},{"word":"terms","start":574.965,"end":575.36505,"confidence":0.99997485,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.026746053248643875},{"word":"of","start":575.36505,"end":575.60504,"confidence":0.9996593,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015648454427719116},{"word":"risk","start":575.60504,"end":575.92505,"confidence":0.9999151,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.012359559535980225},{"word":"level","start":575.92505,"end":576.245,"confidence":0.999555,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":0.006001284345984459},{"word":"i","start":576.245,"end":576.405,"confidence":0.9998305,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.018945738673210144},{"word":"was","start":576.405,"end":576.565,"confidence":0.9996132,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.013296078890562056},{"word":"gonna","start":576.565,"end":576.72504,"confidence":0.9444023,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.015545230358839037},{"word":"talk","start":576.72504,"end":576.965,"confidence":0.9875065,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.02025465667247772},{"word":"to","start":576.965,"end":577.04504,"confidence":0.9976507,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04120366647839546},{"word":"you","start":577.04504,"end":577.125,"confidence":0.99959475,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04776909947395325},{"word":"about","start":577.125,"end":577.445,"confidence":0.99980336,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.01640082150697708},{"word":"whether","start":577.445,"end":577.685,"confidence":0.99942625,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.004666268825531006},{"word":"we","start":577.685,"end":577.92505,"confidence":0.99987435,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.006121855229139328},{"word":"stay","start":577.92505,"end":578.16504,"confidence":0.9184058,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":-0.01988574117422104},{"word":"growth","start":578.16504,"end":578.405,"confidence":0.8749318,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.009721264243125916},{"word":"or","start":578.405,"end":578.565,"confidence":0.9867871,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02409173548221588},{"word":"whether","start":578.565,"end":578.72504,"confidence":0.9997371,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.032637692987918854},{"word":"we","start":578.72504,"end":578.965,"confidence":0.9928468,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.021121572703123093},{"word":"just","start":578.965,"end":579.205,"confidence":0.93958277,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03247859328985214},{"word":"drop","start":579.205,"end":579.445,"confidence":0.9911107,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.042120397090911865},{"word":"it","start":579.445,"end":579.60504,"confidence":0.9967776,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.004141613841056824},{"word":"down","start":579.60504,"end":579.765,"confidence":0.9998561,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.00983373075723648},{"word":"a","start":579.765,"end":579.84503,"confidence":0.8852571,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007916942238807678},{"word":"peg","start":579.84503,"end":580.085,"confidence":0.9988187,"punctuated_word":"peg","sentiment":"neutral","sentiment_score":-0.009070023894309998},{"word":"into","start":580.085,"end":580.405,"confidence":0.99268687,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.02388986200094223},{"word":"the","start":580.405,"end":580.565,"confidence":0.9977064,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023142151534557343},{"word":"middle","start":580.565,"end":581.04504,"confidence":0.9335778,"punctuated_word":"middle,","sentiment":"neutral","sentiment_score":0.009350348263978958},{"word":"go","start":581.04504,"end":581.205,"confidence":0.9725127,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.031167037785053253},{"word":"a","start":581.205,"end":581.28503,"confidence":0.9978842,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.034760911017656326},{"word":"bit","start":581.28503,"end":581.445,"confidence":0.99771935,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.027738109230995175},{"word":"more","start":581.445,"end":581.685,"confidence":0.99942064,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.010029934346675873},{"word":"medium","start":581.685,"end":582.085,"confidence":0.987248,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":0.04111248254776001},{"word":"with","start":582.085,"end":582.245,"confidence":0.9997454,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03552611172199249},{"word":"it","start":582.245,"end":582.72504,"confidence":0.89032686,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.026759952306747437},{"word":"but","start":582.72504,"end":582.965,"confidence":0.99950373,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03433077782392502},{"word":"it","start":582.965,"end":583.205,"confidence":0.9997087,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.016194749623537064},{"word":"depends","start":583.205,"end":583.685,"confidence":0.9997093,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":0.055570363998413086},{"word":"on","start":583.685,"end":584.005,"confidence":0.99967384,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07559895515441895},{"word":"how","start":584.005,"end":584.245,"confidence":0.9995573,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.04882070794701576},{"word":"much","start":584.245,"end":584.48505,"confidence":0.999798,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.05242937058210373},{"word":"you're","start":584.48505,"end":584.645,"confidence":0.99924546,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06901733577251434},{"word":"wanting","start":584.645,"end":585.04504,"confidence":0.99912995,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.03870868682861328},{"word":"for","start":585.04504,"end":585.205,"confidence":0.999658,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05425176024436951},{"word":"that","start":585.205,"end":585.445,"confidence":0.99986315,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06424727290868759},{"word":"retirement","start":585.445,"end":585.945,"confidence":0.99948126,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.039957255125045776},{"word":"income","start":586.005,"end":586.505,"confidence":0.99977213,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.07267538458108902},{"word":"so","start":588.56,"end":589.06,"confidence":0.9990037,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.010328032076358795},{"word":"the","start":589.44,"end":589.6,"confidence":0.99766266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009555373340845108},{"word":"question","start":589.6,"end":589.92,"confidence":0.9996699,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.0014432519674301147},{"word":"i've","start":589.92,"end":590.16,"confidence":0.99845135,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.023027997463941578},{"word":"got","start":590.16,"end":590.64,"confidence":0.9998062,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.027690183371305466},{"word":"is","start":590.64,"end":591.14,"confidence":0.995145,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03151374310255051},{"word":"the","start":591.2,"end":591.36,"confidence":0.89299935,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.042024437338113785},{"word":"mortgage","start":591.36,"end":591.86,"confidence":0.8150847,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":-0.034729838371276855},{"word":"how","start":592.08,"end":592.32,"confidence":0.9994708,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.057615138590335846},{"word":"close","start":592.32,"end":592.56,"confidence":0.9990171,"punctuated_word":"close","sentiment":"neutral","sentiment_score":-0.06434181332588196},{"word":"do","start":592.56,"end":592.64,"confidence":0.9806095,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0740002691745758},{"word":"you","start":592.64,"end":592.72,"confidence":0.9624484,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04432031884789467},{"word":"reckon","start":592.72,"end":592.96,"confidence":0.99984574,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":-0.04122821241617203},{"word":"you're","start":592.96,"end":593.04,"confidence":0.9732071,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.03826592490077019},{"word":"gonna","start":593.04,"end":593.27997,"confidence":0.6461745,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.04697304964065552},{"word":"be","start":593.27997,"end":593.44,"confidence":0.99074835,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.04439466446638107},{"word":"to","start":593.44,"end":593.6,"confidence":0.95229787,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03034847229719162},{"word":"kind","start":593.6,"end":593.76,"confidence":0.99130225,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.04568655788898468},{"word":"of","start":593.76,"end":593.92,"confidence":0.99971646,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02973778173327446},{"word":"knocking","start":593.92,"end":594.16,"confidence":0.99883455,"punctuated_word":"knocking","sentiment":"neutral","sentiment_score":-0.027636034414172173},{"word":"that","start":594.16,"end":594.32,"confidence":0.99957293,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.045134734362363815},{"word":"out","start":594.32,"end":594.48,"confidence":0.9994873,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.051185570657253265},{"word":"over","start":594.48,"end":594.72,"confidence":0.99908364,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.03118575364351273},{"word":"the","start":594.72,"end":594.8,"confidence":0.9994573,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.031190838664770126},{"word":"next","start":594.8,"end":595.04,"confidence":0.9999279,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.03638418763875961},{"word":"few","start":595.04,"end":595.27997,"confidence":0.9994228,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.026411086320877075},{"word":"years","start":595.27997,"end":595.77997,"confidence":0.99297667,"punctuated_word":"years?","sentiment":"neutral","sentiment_score":-0.0263298824429512},{"word":"yep","start":605.425,"end":605.925,"confidence":0.9317181,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.032778605818748474},{"word":"yep","start":632.255,"end":632.755,"confidence":0.6661313,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11676929891109468},{"word":"then","start":635.71,"end":635.87,"confidence":0.96316606,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.15496276319026947},{"word":"that","start":635.87,"end":636.03,"confidence":0.99956495,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21710826456546783},{"word":"would","start":636.03,"end":636.27,"confidence":0.77889353,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2273557335138321},{"word":"be","start":636.27,"end":636.43,"confidence":0.99879503,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2629750370979309},{"word":"good","start":636.43,"end":636.59,"confidence":0.9989723,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2590171694755554},{"word":"you","start":636.59,"end":636.75,"confidence":0.99980384,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.18641288578510284},{"word":"can","start":636.75,"end":636.91003,"confidence":0.9999112,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2129589468240738},{"word":"kind","start":636.91003,"end":637.15,"confidence":0.99840134,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.18171201646327972},{"word":"of","start":637.15,"end":637.65,"confidence":0.9996692,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1986258029937744},{"word":"finish","start":638.03,"end":638.43,"confidence":0.9992506,"punctuated_word":"finish","sentiment":"neutral","sentiment_score":0.13047726452350616},{"word":"off","start":638.43,"end":638.59,"confidence":0.99814904,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.039281610399484634},{"word":"the","start":638.59,"end":638.75,"confidence":0.9998852,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03755339980125427},{"word":"mortgage","start":638.75,"end":639.07,"confidence":0.99995375,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.03921862691640854},{"word":"and","start":639.07,"end":639.23004,"confidence":0.9970379,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014547038823366163},{"word":"have","start":639.23004,"end":639.39,"confidence":0.9998785,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0343373641371727},{"word":"that","start":639.39,"end":639.63,"confidence":0.9997421,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03103843703866005},{"word":"left","start":639.63,"end":639.87,"confidence":0.5729042,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.0029076114296913147},{"word":"over","start":639.87,"end":640.11005,"confidence":0.99847776,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.0148368701338768},{"word":"to","start":640.11005,"end":640.19,"confidence":0.99773633,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004778571426868439},{"word":"live","start":640.19,"end":640.43,"confidence":0.9990866,"punctuated_word":"live","sentiment":"neutral","sentiment_score":0.0395817905664444},{"word":"off","start":640.43,"end":640.93,"confidence":0.99532497,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.025573605671525},{"word":"perfect","start":642.27,"end":642.75,"confidence":0.99768484,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.43563467264175415},{"word":"perfect","start":642.75,"end":643.07,"confidence":0.9997749,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3731765747070313},{"word":"so","start":643.07,"end":643.23004,"confidence":0.99990964,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2082090675830841},{"word":"what","start":643.23004,"end":643.47003,"confidence":0.9998394,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.20920692384243011},{"word":"that'll","start":643.47003,"end":643.71,"confidence":0.95673364,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.1811835020780563},{"word":"kind","start":643.71,"end":643.95,"confidence":0.99210584,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1441158652305603},{"word":"of","start":643.95,"end":644.03,"confidence":0.9997402,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1084078699350357},{"word":"do","start":644.03,"end":644.35004,"confidence":0.8584472,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.11386412382125854},{"word":"let's","start":644.35004,"end":644.59,"confidence":0.9996681,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.1291389912366867},{"word":"say","start":644.59,"end":645.09,"confidence":0.9998703,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.13437588512897491},{"word":"you","start":645.63,"end":645.79004,"confidence":0.6554564,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14439663290977478},{"word":"get","start":645.79004,"end":645.95,"confidence":0.9998969,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10580063611268996},{"word":"there","start":645.95,"end":646.19,"confidence":0.99991286,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09161215275526048},{"word":"and","start":646.19,"end":646.35004,"confidence":0.850055,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10295280814170836},{"word":"there's","start":646.35004,"end":646.59,"confidence":0.9982685,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.07780775427818298},{"word":"a","start":646.59,"end":646.84,"confidence":0.9074523,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08651356399059296},{"word":"well","start":647.485,"end":647.645,"confidence":0.9659345,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.08558070659637451},{"word":"let's","start":647.645,"end":647.805,"confidence":0.9989314,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.07311604917049408},{"word":"say","start":647.805,"end":647.965,"confidence":0.99965525,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.10439129173755646},{"word":"worst","start":647.965,"end":648.205,"confidence":0.824046,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":0.023164041340351105},{"word":"case","start":648.205,"end":648.365,"confidence":0.9996018,"punctuated_word":"case","sentiment":"neutral","sentiment_score":0.04789510369300842},{"word":"scenario","start":648.365,"end":648.685,"confidence":0.9665906,"punctuated_word":"scenario,","sentiment":"neutral","sentiment_score":0.028179552406072617},{"word":"you've","start":648.685,"end":648.925,"confidence":0.97201765,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.03981520235538483},{"word":"still","start":648.925,"end":649.005,"confidence":0.99960977,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.02440321445465088},{"word":"got","start":649.005,"end":649.16504,"confidence":0.99851304,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0656500905752182},{"word":"a","start":649.16504,"end":649.245,"confidence":0.9993505,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0798851028084755},{"word":"couple","start":649.245,"end":649.485,"confidence":0.99988735,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.04148297756910324},{"word":"$100","start":649.485,"end":650.045,"confidence":0.958569,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.10014645010232924},{"word":"owing","start":650.045,"end":650.28503,"confidence":0.83261305,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":0.0931277722120285},{"word":"on","start":650.28503,"end":650.445,"confidence":0.9995579,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07501490414142609},{"word":"the","start":650.445,"end":650.525,"confidence":0.9992144,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04833506792783737},{"word":"mortgage","start":650.525,"end":651.025,"confidence":0.99991333,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.0325498953461647},{"word":"and","start":651.16504,"end":651.405,"confidence":0.55380094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05219625309109688},{"word":"you","start":651.405,"end":651.565,"confidence":0.99966776,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0931038036942482},{"word":"hit","start":651.565,"end":651.72504,"confidence":0.9991359,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.09040437638759612},{"word":"a","start":651.72504,"end":651.885,"confidence":0.99669206,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08597207069396973},{"word":"million","start":651.885,"end":652.365,"confidence":0.9992519,"punctuated_word":"million","sentiment":"neutral","sentiment_score":0.10875174403190611},{"word":"and","start":652.365,"end":652.60504,"confidence":0.85113853,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07864423096179962},{"word":"you","start":652.60504,"end":652.765,"confidence":0.9830443,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09506457298994064},{"word":"trim","start":652.765,"end":653.16504,"confidence":0.7954927,"punctuated_word":"trim","sentiment":"neutral","sentiment_score":0.03650496155023575},{"word":"200","start":653.16504,"end":653.565,"confidence":0.9993163,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.10790605843067168},{"word":"off","start":653.565,"end":654.065,"confidence":0.80910397,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":0.07022932171821594},{"word":"that","start":654.125,"end":654.60504,"confidence":0.7518141,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.056303057819604874},{"word":"800,000","start":654.60504,"end":655.485,"confidence":0.94523317,"punctuated_word":"800,000","sentiment":"neutral","sentiment_score":0.11563649028539658},{"word":"is","start":655.485,"end":655.645,"confidence":0.8770578,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10614699125289916},{"word":"gonna","start":655.645,"end":655.885,"confidence":0.9503464,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.11269498616456984},{"word":"be","start":655.885,"end":656.045,"confidence":0.99739045,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11090417206287384},{"word":"paying","start":656.045,"end":656.28503,"confidence":0.9997234,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.07951057702302933},{"word":"you","start":656.28503,"end":656.60504,"confidence":0.9989819,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08933360874652863},{"word":"somewhere","start":656.60504,"end":657.005,"confidence":0.9996413,"punctuated_word":"somewhere","sentiment":"neutral","sentiment_score":0.10778708010911942},{"word":"between","start":657.005,"end":657.505,"confidence":0.9998375,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.09879545122385024},{"word":"40","start":657.805,"end":658.205,"confidence":0.99942696,"punctuated_word":"40","sentiment":"neutral","sentiment_score":0.13128186762332916},{"word":"to","start":658.205,"end":658.445,"confidence":0.89093107,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05402028560638428},{"word":"80,000","start":658.445,"end":659.245,"confidence":0.99978614,"punctuated_word":"80,000","sentiment":"neutral","sentiment_score":0.13189128041267395},{"word":"tax","start":659.245,"end":659.645,"confidence":0.9985587,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.25762689113616943},{"word":"free","start":659.645,"end":660.145,"confidence":0.8305049,"punctuated_word":"free,","sentiment":"neutral","sentiment_score":0.10252832621335985},{"word":"and","start":660.925,"end":661.16504,"confidence":0.89609915,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06263525784015656},{"word":"that's","start":661.16504,"end":661.485,"confidence":0.9534027,"punctuated_word":"that's,","sentiment":"neutral","sentiment_score":0.06778191030025482},{"word":"like","start":661.485,"end":661.985,"confidence":0.9981961,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.03048654273152351},{"word":"enough","start":662.6,"end":663.0,"confidence":0.9979747,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":-0.001108318567276001},{"word":"to","start":663.0,"end":663.07996,"confidence":0.99978536,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01248951256275177},{"word":"go","start":663.07996,"end":663.32,"confidence":0.99991274,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.019599981606006622},{"word":"past","start":663.32,"end":663.63995,"confidence":0.99551904,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.003969058394432068},{"word":"life","start":663.63995,"end":663.95996,"confidence":0.99953866,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.046388350427150726},{"word":"expectancy","start":663.95996,"end":664.45996,"confidence":0.97985035,"punctuated_word":"expectancy.","sentiment":"neutral","sentiment_score":-0.00953044556081295},{"word":"so","start":665.0,"end":665.5,"confidence":0.9981511,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04969319701194763},{"word":"that","start":665.56,"end":665.88,"confidence":0.994595,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04977225512266159},{"word":"thousand","start":665.88,"end":666.19995,"confidence":0.80573446,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.032710835337638855},{"word":"dollars","start":666.19995,"end":666.51996,"confidence":0.9989104,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.08323079347610474},{"word":"a","start":666.51996,"end":666.6,"confidence":0.9997389,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0503600649535656},{"word":"week","start":666.6,"end":666.92,"confidence":0.994841,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.06017613038420677},{"word":"$1,500","start":666.92,"end":667.8,"confidence":0.9937679,"punctuated_word":"$1,500","sentiment":"neutral","sentiment_score":0.0935734212398529},{"word":"a","start":667.8,"end":667.88,"confidence":0.9990017,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06393332779407501},{"word":"week","start":667.88,"end":668.12,"confidence":0.9934894,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.04770660027861595},{"word":"that","start":668.12,"end":668.27997,"confidence":0.99976,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04700331389904022},{"word":"kind","start":668.27997,"end":668.44,"confidence":0.9327414,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.017261311411857605},{"word":"of","start":668.44,"end":668.51996,"confidence":0.99893683,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03773336112499237},{"word":"thing","start":668.51996,"end":668.75995,"confidence":0.9998586,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.08203346282243729},{"word":"with","start":668.75995,"end":668.92,"confidence":0.8334215,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04683568328619003},{"word":"the","start":668.92,"end":669.0,"confidence":0.9871356,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0481293722987175},{"word":"mortgage","start":669.0,"end":669.39996,"confidence":0.9999194,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.03348991274833679},{"word":"paid","start":669.39996,"end":669.72,"confidence":0.933125,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.07161124050617218},{"word":"down","start":669.72,"end":670.22,"confidence":0.98683316,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.04421825706958771},{"word":"k","start":671.72,"end":671.95996,"confidence":0.81827044,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.09889166057109831},{"word":"how's","start":671.95996,"end":672.27997,"confidence":0.9654194,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.1660788655281067},{"word":"that","start":672.27997,"end":672.44,"confidence":0.9992182,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22912393510341644},{"word":"sounding","start":672.44,"end":672.75995,"confidence":0.99646974,"punctuated_word":"sounding","sentiment":"neutral","sentiment_score":0.14457590878009796},{"word":"for","start":672.75995,"end":673.0,"confidence":0.99359775,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1311805546283722},{"word":"you","start":673.0,"end":673.5,"confidence":0.99961543,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.13184428215026855},{"word":"okay","start":677.735,"end":678.135,"confidence":0.9834093,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2478340119123459},{"word":"perfect","start":678.135,"end":678.635,"confidence":0.9995897,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3868290781974793},{"word":"now","start":679.415,"end":679.815,"confidence":0.6285777,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.17831888794898987},{"word":"when","start":679.815,"end":679.975,"confidence":0.9926508,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.16562001407146454},{"word":"you're","start":679.975,"end":680.135,"confidence":0.99944305,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.17351612448692322},{"word":"in","start":680.135,"end":680.21497,"confidence":0.9989943,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18885257840156555},{"word":"a","start":680.21497,"end":680.375,"confidence":0.99819225,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16690488159656525},{"word":"growth","start":680.375,"end":680.615,"confidence":0.99956566,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.15640830993652344},{"word":"portfolio","start":680.615,"end":681.115,"confidence":0.99933994,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.14861999452114105},{"word":"i","start":681.175,"end":681.335,"confidence":0.9998636,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19603320956230164},{"word":"usually","start":681.335,"end":681.735,"confidence":0.9997092,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.20341593027114868},{"word":"recommend","start":681.735,"end":682.135,"confidence":0.99990225,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":0.15998943150043488},{"word":"that","start":682.135,"end":682.375,"confidence":0.99970347,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09088634699583054},{"word":"if","start":682.375,"end":682.535,"confidence":0.98164994,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1237729638814926},{"word":"you're","start":682.535,"end":682.77496,"confidence":0.98721313,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0958963930606842},{"word":"if","start":682.77496,"end":682.935,"confidence":0.991043,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0720827728509903},{"word":"you're","start":682.935,"end":683.175,"confidence":0.9995095,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05385925620794296},{"word":"staring","start":683.175,"end":683.495,"confidence":0.99244666,"punctuated_word":"staring","sentiment":"neutral","sentiment_score":0.04065852612257004},{"word":"at","start":683.495,"end":683.65497,"confidence":0.9791008,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03582093119621277},{"word":"more","start":683.65497,"end":683.815,"confidence":0.99904937,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.051059573888778687},{"word":"like","start":683.815,"end":684.135,"confidence":0.734932,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06380464136600494},{"word":"seven","start":684.135,"end":684.455,"confidence":0.99534154,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.023938722908496857},{"word":"to","start":684.455,"end":684.615,"confidence":0.99939966,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04141648858785629},{"word":"eight","start":684.615,"end":684.855,"confidence":0.9998723,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.05164853855967522},{"word":"years","start":684.855,"end":685.355,"confidence":0.84172404,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.02858426794409752},{"word":"if","start":685.895,"end":686.055,"confidence":0.9458633,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.16357561945915222},{"word":"we're","start":686.055,"end":686.295,"confidence":0.99981713,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.14591901004314425},{"word":"still","start":686.295,"end":686.615,"confidence":0.9999286,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.19227731227874756},{"word":"possibly","start":686.615,"end":687.095,"confidence":0.9965551,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":-0.1620338261127472},{"word":"looking","start":687.095,"end":687.415,"confidence":0.99964976,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.13887791335582733},{"word":"at","start":687.415,"end":687.495,"confidence":0.99984074,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.15758585929870603},{"word":"that","start":687.495,"end":687.735,"confidence":0.9992119,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10387614369392396},{"word":"three","start":687.735,"end":687.975,"confidence":0.9995521,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.11139675974845886},{"word":"or","start":687.975,"end":688.135,"confidence":0.99670887,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.16590102016925812},{"word":"four","start":688.135,"end":688.635,"confidence":0.9994743,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":-0.15051299333572388},{"word":"we","start":688.94,"end":689.18,"confidence":0.9998135,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2259018123149872},{"word":"might","start":689.18,"end":689.68,"confidence":0.9999629,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.21631278097629547},{"word":"be","start":689.74,"end":689.82,"confidence":0.99957556,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2317648082971573},{"word":"cutting","start":689.82,"end":690.14,"confidence":0.99710935,"punctuated_word":"cutting","sentiment":"neutral","sentiment_score":-0.24754269421100616},{"word":"it","start":690.14,"end":690.38,"confidence":0.9968131,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2675792872905731},{"word":"a","start":690.38,"end":690.45996,"confidence":0.9997259,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3040412962436676},{"word":"bit","start":690.45996,"end":690.77997,"confidence":0.9999186,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.301127165555954},{"word":"tight","start":690.77997,"end":691.18,"confidence":0.99942267,"punctuated_word":"tight","sentiment":"neutral","sentiment_score":-0.2401486039161682},{"word":"in","start":691.18,"end":691.33997,"confidence":0.99941313,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.29233506321907043},{"word":"terms","start":691.33997,"end":691.57996,"confidence":0.99995875,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.19598130881786344},{"word":"of","start":691.57996,"end":691.74,"confidence":0.99971944,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2292509078979492},{"word":"risk","start":691.74,"end":691.98,"confidence":0.99977785,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.2518274188041687},{"word":"level","start":691.98,"end":692.48,"confidence":0.9989887,"punctuated_word":"level.","sentiment":"neutral","sentiment_score":-0.22117996215820312},{"word":"so","start":694.06,"end":694.45996,"confidence":0.9947196,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11653852462768556},{"word":"what","start":694.45996,"end":694.62,"confidence":0.9985526,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.11834923923015594},{"word":"i","start":694.62,"end":694.77997,"confidence":0.99992526,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1359104365110397},{"word":"wanted","start":694.77997,"end":695.01996,"confidence":0.999424,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1192099303007126},{"word":"to","start":695.01996,"end":695.1,"confidence":0.9993956,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1374287307262421},{"word":"talk","start":695.1,"end":695.26,"confidence":0.99985886,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.15267793834209442},{"word":"to","start":695.26,"end":695.33997,"confidence":0.99725866,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16950200498104095},{"word":"you","start":695.33997,"end":695.5,"confidence":0.9996928,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1644318550825119},{"word":"about","start":695.5,"end":695.66,"confidence":0.9996276,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.16470518708229065},{"word":"today","start":695.66,"end":695.82,"confidence":0.99926966,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.14017897844314575},{"word":"so","start":695.89996,"end":696.06,"confidence":0.9987882,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13831672072410583},{"word":"i'll","start":696.06,"end":696.22,"confidence":0.9998243,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.11810797452926636},{"word":"give","start":696.22,"end":696.3,"confidence":0.99991286,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.08796434849500656},{"word":"you","start":696.3,"end":696.45996,"confidence":0.9998628,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10844464600086212},{"word":"a","start":696.45996,"end":696.54,"confidence":0.9976069,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10396675765514374},{"word":"bit","start":696.54,"end":696.7,"confidence":0.9992061,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0906197801232338},{"word":"of","start":696.7,"end":696.77997,"confidence":0.9989158,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0907723233103752},{"word":"an","start":696.77997,"end":696.86,"confidence":0.9998566,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10285868495702744},{"word":"example","start":696.86,"end":697.33997,"confidence":0.9979334,"punctuated_word":"example.","sentiment":"neutral","sentiment_score":0.08285415172576904},{"word":"you've","start":697.33997,"end":697.57996,"confidence":0.9997635,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.11007221043109894},{"word":"got","start":697.57996,"end":697.74,"confidence":0.99995375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08639512211084366},{"word":"about","start":697.74,"end":698.14,"confidence":0.99977595,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08046597242355347},{"word":"24,000","start":698.14,"end":699.01996,"confidence":0.9998234,"punctuated_word":"24,000","sentiment":"neutral","sentiment_score":0.10112333297729492},{"word":"going","start":699.01996,"end":699.33997,"confidence":0.99378914,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.12235063314437866},{"word":"in","start":699.33997,"end":699.5,"confidence":0.99776804,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08660760521888733},{"word":"in","start":699.5,"end":699.66,"confidence":0.94090116,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07415223866701126},{"word":"contributions","start":699.66,"end":700.16,"confidence":0.9997664,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.07937704771757126},{"word":"before","start":700.38,"end":700.77997,"confidence":0.9995442,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.09916286170482635},{"word":"tax","start":700.77997,"end":701.27997,"confidence":0.98402214,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":0.08584184944629669},{"word":"so","start":702.995,"end":703.235,"confidence":0.9994784,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1824401319026947},{"word":"let's","start":703.235,"end":703.475,"confidence":0.99967366,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.18916654586791992},{"word":"just","start":703.475,"end":703.795,"confidence":0.99969566,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1804829239845276},{"word":"say","start":703.795,"end":704.19495,"confidence":0.99970955,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.18488967418670657},{"word":"you've","start":704.19495,"end":704.51495,"confidence":0.97967005,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.18574258685112},{"word":"got","start":704.51495,"end":704.675,"confidence":0.99991393,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1745336949825287},{"word":"$7.33","start":704.675,"end":705.89496,"confidence":0.93936485,"punctuated_word":"$7.33,","sentiment":"neutral","sentiment_score":0.16831132769584656},{"word":"and","start":706.435,"end":706.675,"confidence":0.8822471,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18034806847572327},{"word":"you","start":706.675,"end":706.915,"confidence":0.99939275,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17297974228858948},{"word":"add","start":706.915,"end":707.15497,"confidence":0.9985133,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.1383272409439087},{"word":"in","start":707.15497,"end":707.235,"confidence":0.99984646,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14214017987251282},{"word":"that","start":707.235,"end":707.475,"confidence":0.9998323,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20403891801834104},{"word":"sort","start":707.475,"end":707.63495,"confidence":0.99581605,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12558147311210632},{"word":"of","start":707.63495,"end":707.875,"confidence":0.9989219,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14694732427597046},{"word":"19,000","start":707.875,"end":708.675,"confidence":0.99975026,"punctuated_word":"19,000","sentiment":"neutral","sentiment_score":0.1454831212759018},{"word":"after","start":708.675,"end":708.995,"confidence":0.9940976,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.14310823380947113},{"word":"tax","start":708.995,"end":709.495,"confidence":0.94267315,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":0.1537494957447052},{"word":"and","start":709.95496,"end":710.27496,"confidence":0.9990727,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.117057204246521},{"word":"let's","start":710.27496,"end":710.51495,"confidence":0.9983107,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.15406540036201477},{"word":"say","start":710.51495,"end":710.675,"confidence":0.99932563,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.1513187289237976},{"word":"you","start":710.675,"end":710.755,"confidence":0.98607326,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1655404418706894},{"word":"only","start":710.755,"end":710.995,"confidence":0.9982768,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.1292855143547058},{"word":"get","start":710.995,"end":711.15497,"confidence":0.89947116,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":0.1659160554409027},{"word":"like","start":711.15497,"end":711.315,"confidence":0.9989114,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.18974965810775757},{"word":"a","start":711.315,"end":711.475,"confidence":0.99874806,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2445170283317566},{"word":"seven","start":711.475,"end":711.795,"confidence":0.99985147,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.28937920928001404},{"word":"and","start":711.795,"end":711.875,"confidence":0.74673164,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.153335303068161},{"word":"a","start":711.875,"end":711.95496,"confidence":0.997929,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2875743508338928},{"word":"half","start":711.95496,"end":712.19495,"confidence":0.99914813,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.20248642563819885},{"word":"percent","start":712.19495,"end":712.51495,"confidence":0.99965596,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.297080397605896},{"word":"return","start":712.51495,"end":712.915,"confidence":0.9362484,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.28587472438812256},{"word":"like","start":712.915,"end":713.07495,"confidence":0.99963415,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.27403903007507324},{"word":"a","start":713.07495,"end":713.235,"confidence":0.69128203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3025569021701813},{"word":"medium","start":713.235,"end":713.735,"confidence":0.99633896,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":0.2775258421897888},{"word":"balance","start":714.25,"end":714.75,"confidence":0.6018949,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.32294559478759766},{"word":"one","start":716.05,"end":716.55,"confidence":0.79715097,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.3003193140029907},{"word":"that'll","start":717.85,"end":718.17,"confidence":0.9934887,"punctuated_word":"that'll","sentiment":"positive","sentiment_score":0.41905903816223145},{"word":"kinda","start":718.17,"end":718.49,"confidence":0.78818387,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.4406000971794128},{"word":"get","start":718.49,"end":718.73,"confidence":0.9972023,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3997900784015655},{"word":"you","start":718.73,"end":719.05,"confidence":0.9986298,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3806957304477692},{"word":"more","start":719.05,"end":719.37,"confidence":0.97947276,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.3850580155849457},{"word":"like","start":719.37,"end":719.76996,"confidence":0.8278866,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3616929054260254},{"word":"a","start":719.76996,"end":720.00995,"confidence":0.9669843,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.41691386699676514},{"word":"$9.50","start":720.00995,"end":720.73,"confidence":0.9237889,"punctuated_word":"$9.50,","sentiment":"positive","sentiment_score":0.36356356739997864},{"word":"$9.60","start":720.73,"end":721.37,"confidence":0.99892676,"punctuated_word":"$9.60","sentiment":"positive","sentiment_score":0.34512782096862793},{"word":"mark","start":721.37,"end":721.87,"confidence":0.99660945,"punctuated_word":"mark.","sentiment":"neutral","sentiment_score":0.30291134119033813},{"word":"k","start":724.08997,"end":724.49,"confidence":0.9371513,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.13459083437919617},{"word":"that's","start":724.49,"end":724.73,"confidence":0.9998323,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2801990509033203},{"word":"by","start":724.73,"end":725.05,"confidence":0.9761723,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2766883373260498},{"word":"taking","start":725.05,"end":725.52997,"confidence":0.99956125,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.3275618851184845},{"word":"a","start":725.52997,"end":725.85,"confidence":0.99957377,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3389025032520294},{"word":"a","start":725.85,"end":725.93,"confidence":0.6529725,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3033180832862854},{"word":"lower","start":725.93,"end":726.17,"confidence":0.6854161,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.1735028475522995},{"word":"level","start":726.17,"end":726.41,"confidence":0.9999491,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.13745813071727753},{"word":"of","start":726.41,"end":726.49,"confidence":0.99959046,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1681528389453888},{"word":"risk","start":726.49,"end":726.73,"confidence":0.9984687,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.04685993492603302},{"word":"than","start":726.73,"end":726.88995,"confidence":0.9978326,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.2597639262676239},{"word":"what","start":726.88995,"end":727.05,"confidence":0.9998956,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2532632052898407},{"word":"you're","start":727.05,"end":727.20996,"confidence":0.99816895,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.24575594067573547},{"word":"currently","start":727.20996,"end":727.69,"confidence":0.9999249,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.01267765462398529},{"word":"doing","start":727.69,"end":728.115,"confidence":0.9981848,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":0.15654312074184418},{"word":"so","start":729.875,"end":730.375,"confidence":0.99859875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.30962100625038147},{"word":"whether","start":730.515,"end":730.755,"confidence":0.9978148,"punctuated_word":"whether","sentiment":"positive","sentiment_score":0.3631191551685333},{"word":"you","start":730.755,"end":730.915,"confidence":0.9999269,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32602405548095703},{"word":"wanted","start":730.915,"end":731.235,"confidence":0.9842083,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.24920186400413513},{"word":"to","start":731.235,"end":731.315,"confidence":0.99974924,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3017125427722931},{"word":"maybe","start":731.315,"end":731.635,"confidence":0.9926082,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.2843162715435028},{"word":"just","start":731.635,"end":731.795,"confidence":0.99831307,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2606685757637024},{"word":"go","start":731.795,"end":731.955,"confidence":0.999894,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.24627284705638883},{"word":"down","start":731.955,"end":732.27496,"confidence":0.99985564,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2150956392288208},{"word":"that","start":732.27496,"end":732.435,"confidence":0.9995697,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2884616553783417},{"word":"one","start":732.435,"end":732.675,"confidence":0.99958605,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.20433476567268372},{"word":"peg","start":732.675,"end":733.15497,"confidence":0.9953236,"punctuated_word":"peg","sentiment":"neutral","sentiment_score":0.14199960231781006},{"word":"and","start":733.15497,"end":733.395,"confidence":0.6962373,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20057159662246704},{"word":"then","start":733.395,"end":733.555,"confidence":0.9997795,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2147257924079895},{"word":"whether","start":733.555,"end":733.875,"confidence":0.99945456,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.2318907082080841},{"word":"it's","start":733.875,"end":734.035,"confidence":0.99860114,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1562953144311905},{"word":"60","start":734.035,"end":734.355,"confidence":0.99806505,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.17347775399684906},{"word":"or","start":734.355,"end":734.595,"confidence":0.99834657,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.17251749336719513},{"word":"61","start":734.595,"end":735.15497,"confidence":0.9976269,"punctuated_word":"61,","sentiment":"neutral","sentiment_score":0.22989901900291443},{"word":"we","start":735.15497,"end":735.315,"confidence":0.99938774,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3412359356880188},{"word":"just","start":735.315,"end":735.555,"confidence":0.9987669,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.34253808856010437},{"word":"kind","start":735.555,"end":735.71497,"confidence":0.99114436,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.3512987792491913},{"word":"of","start":735.71497,"end":735.875,"confidence":0.9996644,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3666022419929504},{"word":"decide","start":735.875,"end":736.195,"confidence":0.9969715,"punctuated_word":"decide","sentiment":"positive","sentiment_score":0.3401099145412445},{"word":"together","start":736.195,"end":736.675,"confidence":0.99906033,"punctuated_word":"together","sentiment":"positive","sentiment_score":0.383154422044754},{"word":"when","start":736.675,"end":736.915,"confidence":0.99958533,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.366331160068512},{"word":"to","start":736.915,"end":736.995,"confidence":0.99897766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30148884654045105},{"word":"pull","start":736.995,"end":737.235,"confidence":0.9998641,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.281451940536499},{"word":"the","start":737.235,"end":737.395,"confidence":0.99925953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.309196412563324},{"word":"trigger","start":737.395,"end":737.895,"confidence":0.9999281,"punctuated_word":"trigger","sentiment":"neutral","sentiment_score":0.2383463978767395},{"word":"based","start":737.955,"end":738.27496,"confidence":0.94568074,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.32514628767967224},{"word":"on","start":738.27496,"end":738.435,"confidence":0.8981601,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.33203601837158203},{"word":"you","start":738.435,"end":738.515,"confidence":0.99636745,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2599989175796509},{"word":"know","start":738.515,"end":738.755,"confidence":0.9922319,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.30610179901123047},{"word":"when","start":738.755,"end":738.915,"confidence":0.99951863,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.3481321632862091},{"word":"you","start":738.915,"end":738.995,"confidence":0.99986064,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3082410395145416},{"word":"get","start":738.995,"end":739.15497,"confidence":0.99974424,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.30995649099349976},{"word":"that","start":739.15497,"end":739.395,"confidence":0.9986498,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3223460614681244},{"word":"last","start":739.395,"end":739.635,"confidence":0.9995968,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.28154897689819336},{"word":"really","start":739.635,"end":739.955,"confidence":0.9934685,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.3636512458324432},{"word":"good","start":739.955,"end":740.195,"confidence":0.99987435,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4082493782043457},{"word":"jump","start":740.195,"end":740.435,"confidence":0.99917287,"punctuated_word":"jump","sentiment":"positive","sentiment_score":0.4329763650894165},{"word":"in","start":740.435,"end":740.595,"confidence":0.99986494,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5026189684867859},{"word":"the","start":740.595,"end":740.755,"confidence":0.9995927,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5362822413444519},{"word":"markets","start":740.755,"end":741.255,"confidence":0.8188626,"punctuated_word":"markets,","sentiment":"positive","sentiment_score":0.3935055732727051},{"word":"you","start":741.475,"end":741.635,"confidence":0.99931216,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3862365186214447},{"word":"just","start":741.635,"end":741.875,"confidence":0.9995228,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3335876762866974},{"word":"take","start":741.875,"end":742.115,"confidence":0.99981695,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.36658841371536255},{"word":"the","start":742.115,"end":742.195,"confidence":0.999353,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3711453676223755},{"word":"winnings","start":742.195,"end":742.595,"confidence":0.99948573,"punctuated_word":"winnings","sentiment":"positive","sentiment_score":0.3947814106941223},{"word":"and","start":742.595,"end":742.755,"confidence":0.97154826,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2946273684501648},{"word":"kind","start":742.755,"end":742.995,"confidence":0.9968976,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.33190497756004333},{"word":"of","start":742.995,"end":743.43,"confidence":0.9994618,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.36554303765296936},{"word":"convert","start":743.67,"end":743.91,"confidence":0.9863268,"punctuated_word":"convert","sentiment":"positive","sentiment_score":0.36000657081604004},{"word":"it","start":743.91,"end":744.14996,"confidence":0.999742,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3025898337364197},{"word":"over","start":744.14996,"end":744.39,"confidence":0.9998784,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.3812767565250397},{"word":"into","start":744.39,"end":744.63,"confidence":0.98782665,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2547426223754883},{"word":"a","start":744.63,"end":744.71,"confidence":0.9976332,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2819153070449829},{"word":"pension","start":744.71,"end":745.11,"confidence":0.99988806,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.22092820703983307},{"word":"after","start":745.11,"end":745.35,"confidence":0.99945575,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.17939937114715576},{"word":"that","start":745.35,"end":745.85,"confidence":0.99929655,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.18565744161605835},{"word":"yeah","start":759.28503,"end":759.525,"confidence":0.8573282,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07381700724363327},{"word":"that's","start":759.525,"end":759.925,"confidence":0.9957124,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11776171624660492},{"word":"kind","start":759.925,"end":760.165,"confidence":0.9914282,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.17472243309020996},{"word":"of","start":760.165,"end":760.245,"confidence":0.9997532,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17503729462623596},{"word":"what","start":760.245,"end":760.485,"confidence":0.9999145,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17776766419410706},{"word":"i","start":760.485,"end":760.565,"confidence":0.9999014,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1625775396823883},{"word":"would","start":760.565,"end":760.72504,"confidence":0.9997682,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.19009777903556824},{"word":"advise","start":760.72504,"end":761.205,"confidence":0.9903185,"punctuated_word":"advise.","sentiment":"neutral","sentiment_score":0.16248442232608795},{"word":"like","start":761.205,"end":761.605,"confidence":0.9968358,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.14474663138389587},{"word":"if","start":761.605,"end":761.84503,"confidence":0.9989489,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16183726489543915},{"word":"it's","start":761.84503,"end":762.085,"confidence":0.9999137,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.10896392911672592},{"word":"the","start":762.085,"end":762.245,"confidence":0.80031544,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09235307574272156},{"word":"difference","start":762.245,"end":762.645,"confidence":0.99976844,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.05756622552871704},{"word":"between","start":762.645,"end":763.145,"confidence":0.9999187,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.05200809985399246},{"word":"a","start":763.765,"end":764.005,"confidence":0.9246812,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07433570921421051},{"word":"twelve","start":764.005,"end":764.405,"confidence":0.7284296,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.05793352425098419},{"word":"month","start":764.405,"end":764.805,"confidence":0.8936587,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.06363353878259659},{"word":"difference","start":764.805,"end":765.205,"confidence":0.9908351,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.07177290320396423},{"word":"in","start":765.205,"end":765.445,"confidence":0.9999069,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05685862898826599},{"word":"retirement","start":765.445,"end":765.945,"confidence":0.99984074,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.036464765667915344},{"word":"versus","start":766.485,"end":766.965,"confidence":0.9864586,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":0.05806299671530723},{"word":"potentially","start":766.965,"end":767.445,"confidence":0.99053955,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":-0.07855653017759323},{"word":"having","start":767.445,"end":767.685,"confidence":0.9997062,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.006277009844779968},{"word":"to","start":767.685,"end":767.84503,"confidence":0.99630415,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05419322848320007},{"word":"wait","start":767.84503,"end":768.085,"confidence":0.9999145,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.08187896013259888},{"word":"four","start":768.085,"end":768.245,"confidence":0.99217004,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.06571497768163681},{"word":"years","start":768.245,"end":768.565,"confidence":0.9998754,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.07069166749715805},{"word":"for","start":768.565,"end":768.72504,"confidence":0.9991447,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.060785822570323944},{"word":"it","start":768.72504,"end":768.885,"confidence":0.99631065,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02156846225261688},{"word":"to","start":768.885,"end":768.965,"confidence":0.9993026,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.035182446241378784},{"word":"bounce","start":768.965,"end":769.23,"confidence":0.9998209,"punctuated_word":"bounce","sentiment":"neutral","sentiment_score":0.08040735125541687},{"word":"back","start":769.23,"end":769.47,"confidence":0.9999254,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.051516175270080566},{"word":"from","start":769.47,"end":769.63,"confidence":0.99990416,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.04738977551460266},{"word":"a","start":769.63,"end":769.70996,"confidence":0.9977957,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07168653607368469},{"word":"market","start":769.70996,"end":770.19,"confidence":0.99986553,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.17765483260154724},{"word":"crash","start":770.19,"end":770.51,"confidence":0.96215594,"punctuated_word":"crash,","sentiment":"neutral","sentiment_score":-0.04838839918375015},{"word":"i","start":770.51,"end":770.67,"confidence":0.9997434,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.057064324617385864},{"word":"would","start":770.67,"end":770.91,"confidence":0.99996364,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06569300591945648},{"word":"kind","start":770.91,"end":771.07,"confidence":0.9953395,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03198076784610748},{"word":"of","start":771.07,"end":771.23,"confidence":0.999705,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06977410614490509},{"word":"be","start":771.23,"end":771.38995,"confidence":0.99937516,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03391405940055847},{"word":"looking","start":771.38995,"end":771.70996,"confidence":0.9988549,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.0029074177145957947},{"word":"towards","start":771.70996,"end":772.19,"confidence":0.99679995,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":-0.013112850487232208},{"word":"the","start":772.19,"end":772.26996,"confidence":0.9925408,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03898145258426666},{"word":"former","start":772.26996,"end":772.76996,"confidence":0.9937377,"punctuated_word":"former.","sentiment":"neutral","sentiment_score":0.02389156073331833},{"word":"okay","start":778.02997,"end":778.43,"confidence":0.9445139,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.24950766563415527},{"word":"cool","start":778.43,"end":778.93,"confidence":0.99701643,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.29461079835891724},{"word":"again","start":779.38995,"end":779.88995,"confidence":0.83394235,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.09858013689517976},{"word":"we","start":780.11,"end":780.35,"confidence":0.9992213,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.002546757459640503},{"word":"don't","start":780.35,"end":780.51,"confidence":0.9998355,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.007993236184120178},{"word":"wanna","start":780.51,"end":780.75,"confidence":0.713317,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.10039742290973663},{"word":"get","start":780.75,"end":780.91,"confidence":0.9989791,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.17901861667633057},{"word":"all","start":780.91,"end":781.07,"confidence":0.99981064,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1250922977924347},{"word":"this","start":781.07,"end":781.23,"confidence":0.99431473,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.13419204950332642},{"word":"growth","start":781.23,"end":781.47,"confidence":0.9826849,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.14752626419067383},{"word":"and","start":781.47,"end":781.63,"confidence":0.9949327,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15462803840637207},{"word":"lose","start":781.63,"end":781.87,"confidence":0.99830484,"punctuated_word":"lose","sentiment":"neutral","sentiment_score":-0.10017455369234084},{"word":"it","start":781.87,"end":782.02997,"confidence":0.9603769,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.019879594445228577},{"word":"all","start":782.02997,"end":782.19,"confidence":0.99336505,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.027828961610794067},{"word":"at","start":782.19,"end":782.26996,"confidence":0.9920717,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07670466601848602},{"word":"the","start":782.26996,"end":782.43,"confidence":0.9994154,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01396949589252472},{"word":"end","start":782.43,"end":782.58997,"confidence":0.6104336,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.01687559485435486},{"word":"point","start":782.58997,"end":782.82996,"confidence":0.8254912,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.0518546998500824},{"word":"so","start":782.82996,"end":783.32996,"confidence":0.9995994,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05559722334146499},{"word":"i","start":783.625,"end":783.86505,"confidence":0.9998721,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.016464456915855408},{"word":"think","start":783.86505,"end":784.025,"confidence":0.9999589,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.13916099071502686},{"word":"that","start":784.025,"end":784.185,"confidence":0.9998679,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13168352842330933},{"word":"would","start":784.185,"end":784.34503,"confidence":0.9996531,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.12993958592414856},{"word":"be","start":784.34503,"end":784.505,"confidence":0.999808,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13491998612880707},{"word":"pretty","start":784.505,"end":784.825,"confidence":0.9996464,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.19183103740215304},{"word":"prudent","start":784.825,"end":785.325,"confidence":0.99935865,"punctuated_word":"prudent.","sentiment":"neutral","sentiment_score":0.026941239833831787},{"word":"at","start":786.905,"end":787.145,"confidence":0.9987571,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.10122328996658324},{"word":"the","start":787.145,"end":787.30505,"confidence":0.99979883,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13285431265830994},{"word":"same","start":787.30505,"end":787.465,"confidence":0.9999393,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.13127653300762177},{"word":"time","start":787.465,"end":787.705,"confidence":0.91905916,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.15675190091133118},{"word":"though","start":787.705,"end":787.945,"confidence":0.99863493,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":0.16319316625595093},{"word":"the","start":787.945,"end":788.025,"confidence":0.9999138,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23989397287368777},{"word":"other","start":788.025,"end":788.265,"confidence":0.9998516,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.24866324663162231},{"word":"thing","start":788.265,"end":788.42505,"confidence":0.9998524,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.2328617721796036},{"word":"i","start":788.42505,"end":788.585,"confidence":0.99971586,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1841661036014557},{"word":"wanted","start":788.585,"end":788.825,"confidence":0.9998536,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1859404593706131},{"word":"to","start":788.825,"end":788.98505,"confidence":0.99957234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19499099254608152},{"word":"do","start":788.98505,"end":789.48505,"confidence":0.9997485,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20683340728282928},{"word":"is","start":789.705,"end":790.185,"confidence":0.9959967,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1878942996263504},{"word":"we're","start":790.185,"end":790.505,"confidence":0.9827079,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1931764930486679},{"word":"looking","start":790.505,"end":790.825,"confidence":0.9997297,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1708793044090271},{"word":"at","start":790.825,"end":790.905,"confidence":0.8626882,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1729477345943451},{"word":"a","start":790.905,"end":790.98505,"confidence":0.99428844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2371312975883484},{"word":"few","start":790.98505,"end":791.22504,"confidence":0.99992406,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.17189455032348633},{"word":"investments","start":791.22504,"end":791.625,"confidence":0.9950654,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.17966115474700928},{"word":"i've","start":791.625,"end":791.86505,"confidence":0.9995112,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.3235055208206177},{"word":"just","start":791.86505,"end":792.025,"confidence":0.99990535,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.32320377230644226},{"word":"gotten","start":792.025,"end":792.265,"confidence":0.9923855,"punctuated_word":"gotten","sentiment":"positive","sentiment_score":0.3530004620552063},{"word":"back","start":792.265,"end":792.505,"confidence":0.99980944,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.329220175743103},{"word":"talking","start":792.505,"end":792.74506,"confidence":0.89523274,"punctuated_word":"talking","sentiment":"positive","sentiment_score":0.3599386215209961},{"word":"to","start":792.74506,"end":792.905,"confidence":0.99973506,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4344867467880249},{"word":"the","start":792.905,"end":792.98505,"confidence":0.9996462,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3802252411842346},{"word":"investment","start":792.98505,"end":793.48505,"confidence":0.9967655,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.20912018418312073},{"word":"committee","start":793.54504,"end":794.04504,"confidence":0.999706,"punctuated_word":"committee","sentiment":"positive","sentiment_score":0.3383045792579651},{"word":"and","start":794.585,"end":794.74506,"confidence":0.80664915,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2736978232860565},{"word":"a","start":794.74506,"end":794.905,"confidence":0.99932086,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3452166020870209},{"word":"few","start":794.905,"end":795.065,"confidence":0.9999815,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.26584574580192566},{"word":"different","start":795.065,"end":795.465,"confidence":0.9999541,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.31978097558021545},{"word":"seminars","start":795.465,"end":795.945,"confidence":0.9998462,"punctuated_word":"seminars","sentiment":"neutral","sentiment_score":0.3098701536655426},{"word":"with","start":795.945,"end":796.185,"confidence":0.999777,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.42489320039749146},{"word":"some","start":796.185,"end":796.34503,"confidence":0.99679106,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.3167068064212799},{"word":"fund","start":796.34503,"end":796.585,"confidence":0.9982993,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.23422732949256897},{"word":"managers","start":796.585,"end":797.085,"confidence":0.8135301,"punctuated_word":"managers,","sentiment":"neutral","sentiment_score":0.33221080899238586},{"word":"and","start":797.52,"end":797.68005,"confidence":0.9993666,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3862335681915283},{"word":"we've","start":797.68005,"end":798.0,"confidence":0.86124134,"punctuated_word":"we've","sentiment":"positive","sentiment_score":0.5010894536972046},{"word":"found","start":798.0,"end":798.32,"confidence":0.99976593,"punctuated_word":"found","sentiment":"positive","sentiment_score":0.466106116771698},{"word":"some","start":798.32,"end":798.82,"confidence":0.99936396,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3912575244903565},{"word":"really","start":798.96,"end":799.2,"confidence":0.99980277,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.520682692527771},{"word":"good","start":799.2,"end":799.36005,"confidence":0.9999219,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4413045644760132},{"word":"funds","start":799.36005,"end":799.68005,"confidence":0.9997385,"punctuated_word":"funds","sentiment":"positive","sentiment_score":0.4408392906188965},{"word":"that","start":799.68005,"end":799.84,"confidence":0.8454574,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4739481210708618},{"word":"are","start":799.84,"end":799.88,"confidence":0.99148506,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.44125649333000183},{"word":"a","start":799.88,"end":799.92004,"confidence":0.9955876,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5068414211273193},{"word":"little","start":799.92004,"end":800.08,"confidence":0.99991906,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.4684656262397766},{"word":"bit","start":800.08,"end":800.24005,"confidence":0.9999027,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4190492630004883},{"word":"lower","start":800.24005,"end":800.56006,"confidence":0.99557185,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.32985955476760864},{"word":"fees","start":800.56006,"end":801.06006,"confidence":0.9955048,"punctuated_word":"fees.","sentiment":"positive","sentiment_score":0.3591848611831665},{"word":"so","start":803.2,"end":803.52,"confidence":0.99728966,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13857392966747284},{"word":"what","start":803.52,"end":803.68005,"confidence":0.98774844,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.15067610144615173},{"word":"i'm","start":803.68005,"end":803.92004,"confidence":0.9989277,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.157756969332695},{"word":"thinking","start":803.92004,"end":804.16003,"confidence":0.9998373,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.16058231890201569},{"word":"is","start":804.16003,"end":804.32,"confidence":0.99963903,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15876418352127075},{"word":"if","start":804.32,"end":804.48004,"confidence":0.9746314,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2141314148902893},{"word":"i","start":804.48004,"end":804.64,"confidence":0.9996425,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21965399384498596},{"word":"lower","start":804.64,"end":804.80005,"confidence":0.98959595,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.150516077876091},{"word":"down","start":804.80005,"end":805.04004,"confidence":0.9993856,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.23544728755950928},{"word":"the","start":805.04004,"end":805.12006,"confidence":0.9994599,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22700124979019165},{"word":"risk","start":805.12006,"end":805.28,"confidence":0.9997527,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.00888398289680481},{"word":"level","start":805.28,"end":805.60004,"confidence":0.9982381,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.10813938081264496},{"word":"a","start":805.60004,"end":805.68005,"confidence":0.9959331,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2078331857919693},{"word":"little","start":805.68005,"end":805.84,"confidence":0.9999572,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.13211897015571594},{"word":"bit","start":805.84,"end":806.08,"confidence":0.9995315,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.21353422105312347},{"word":"we","start":806.08,"end":806.16003,"confidence":0.9999081,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3515062630176544},{"word":"could","start":806.16003,"end":806.4,"confidence":0.99570775,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.4305545687675476},{"word":"also","start":806.4,"end":806.64,"confidence":0.9995665,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.36068195104599},{"word":"maybe","start":806.64,"end":806.96,"confidence":0.98942065,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.30571478605270386},{"word":"lower","start":806.96,"end":807.2,"confidence":0.9999033,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.25284820795059204},{"word":"your","start":807.2,"end":807.36005,"confidence":0.9993667,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3177386522293091},{"word":"investment","start":807.36005,"end":807.86005,"confidence":0.99968576,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.10434193909168243},{"word":"fees","start":807.92004,"end":808.4,"confidence":0.92148423,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.21663573384284973},{"word":"and","start":808.4,"end":808.56006,"confidence":0.9986106,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10034852474927902},{"word":"there's","start":808.56006,"end":808.80005,"confidence":0.79608923,"punctuated_word":"there's,","sentiment":"neutral","sentiment_score":0.04722832143306732},{"word":"i","start":808.80005,"end":808.88,"confidence":0.99972934,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.004997283220291138},{"word":"think","start":808.88,"end":809.2,"confidence":0.98800015,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":-0.016382336616516113},{"word":"out","start":809.2,"end":809.36005,"confidence":0.9996997,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.13353118300437927},{"word":"of","start":809.36005,"end":809.44,"confidence":0.99987805,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1547718048095703},{"word":"the","start":809.44,"end":809.60004,"confidence":0.99899346,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14386655390262604},{"word":"eight","start":809.60004,"end":809.76,"confidence":0.9970251,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":-0.09551753848791122},{"word":"funds","start":809.76,"end":810.0,"confidence":0.9996024,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.14914879202842712},{"word":"that","start":810.0,"end":810.16003,"confidence":0.9995214,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0913219228386879},{"word":"you've","start":810.16003,"end":810.32,"confidence":0.9997815,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.07950620353221893},{"word":"got","start":810.32,"end":810.48004,"confidence":0.9987633,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":-0.16031035780906677},{"word":"one","start":810.48004,"end":810.72003,"confidence":0.9998579,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.3588879108428955},{"word":"of","start":810.72003,"end":810.80005,"confidence":0.999785,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.22378048300743103},{"word":"them","start":810.80005,"end":810.96,"confidence":0.9996425,"punctuated_word":"them","sentiment":"negative","sentiment_score":-0.38114386796951294},{"word":"has","start":810.96,"end":811.12006,"confidence":0.99247336,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.4165655970573426},{"word":"not","start":811.12006,"end":811.28,"confidence":0.99975735,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4106714129447937},{"word":"been","start":811.28,"end":811.52,"confidence":0.9998616,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.4252420961856842},{"word":"doing","start":811.52,"end":811.84,"confidence":0.99975234,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.29845908284187317},{"word":"so","start":811.84,"end":812.0,"confidence":0.9995171,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.29632246494293213},{"word":"well","start":812.0,"end":812.445,"confidence":0.99843454,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.25005024671554565},{"word":"so","start":812.445,"end":812.605,"confidence":0.997542,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.010647997260093687},{"word":"if","start":812.605,"end":812.765,"confidence":0.9988549,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.120328888297081},{"word":"i","start":812.765,"end":812.84503,"confidence":0.99980086,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.101718507707119},{"word":"do","start":812.84503,"end":812.885,"confidence":0.9998759,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1358715295791626},{"word":"a","start":812.885,"end":812.925,"confidence":0.9995158,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1036575213074684},{"word":"bit","start":812.925,"end":813.165,"confidence":0.9999169,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0812426283955574},{"word":"of","start":813.165,"end":813.325,"confidence":0.9997974,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11181268095970154},{"word":"an","start":813.325,"end":813.485,"confidence":0.9995524,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.009680017828941343},{"word":"engine","start":813.485,"end":813.72504,"confidence":0.999894,"punctuated_word":"engine","sentiment":"neutral","sentiment_score":-0.03952859342098236},{"word":"tune","start":813.72504,"end":813.965,"confidence":0.9972364,"punctuated_word":"tune","sentiment":"neutral","sentiment_score":-0.0127541646361351},{"word":"up","start":813.965,"end":814.125,"confidence":0.98611164,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0007818788290023804},{"word":"and","start":814.125,"end":814.28503,"confidence":0.99875665,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.012724384665489197},{"word":"switch","start":814.28503,"end":814.605,"confidence":0.9991061,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":-0.0016657263040542605},{"word":"that","start":814.605,"end":814.765,"confidence":0.9995633,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07382762432098389},{"word":"guy","start":814.765,"end":815.005,"confidence":0.9996692,"punctuated_word":"guy","sentiment":"neutral","sentiment_score":-0.020966708660125732},{"word":"out","start":815.005,"end":815.505,"confidence":0.9910501,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.05834213271737099},{"word":"i","start":815.565,"end":815.645,"confidence":0.999818,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14306919276714325},{"word":"could","start":815.645,"end":815.805,"confidence":0.98517483,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.1844998598098755},{"word":"probably","start":815.805,"end":816.125,"confidence":0.9997172,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.11581651866436005},{"word":"bump","start":816.125,"end":816.365,"confidence":0.9995449,"punctuated_word":"bump","sentiment":"positive","sentiment_score":0.37936681509017944},{"word":"up","start":816.365,"end":816.445,"confidence":0.9992335,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3648276627063751},{"word":"the","start":816.445,"end":816.605,"confidence":0.997472,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3932751417160034},{"word":"returns","start":816.605,"end":817.005,"confidence":0.99941576,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.35680079460144043},{"word":"a","start":817.005,"end":817.085,"confidence":0.99983454,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.30170750617980957},{"word":"little","start":817.085,"end":817.325,"confidence":0.99994934,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1552274376153946},{"word":"bit","start":817.325,"end":817.565,"confidence":0.99942124,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2085975706577301},{"word":"too","start":817.565,"end":818.065,"confidence":0.99633086,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.27229228615760803},{"word":"perfect","start":820.605,"end":821.105,"confidence":0.99836487,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.7441641092300415},{"word":"so","start":821.405,"end":821.905,"confidence":0.99952304,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5680137872695923},{"word":"i","start":821.965,"end":822.125,"confidence":0.9983339,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.604633629322052},{"word":"can","start":822.125,"end":822.365,"confidence":0.9999156,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6552074551582336},{"word":"put","start":822.365,"end":822.525,"confidence":0.9999646,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.6759881377220154},{"word":"that","start":822.525,"end":822.765,"confidence":0.9999491,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.7075809836387634},{"word":"together","start":822.765,"end":823.085,"confidence":0.99981385,"punctuated_word":"together","sentiment":"positive","sentiment_score":0.6606160998344421},{"word":"as","start":823.085,"end":823.245,"confidence":0.99975437,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.6243083477020264},{"word":"a","start":823.245,"end":823.325,"confidence":0.99957603,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6221441030502319},{"word":"bit","start":823.325,"end":823.565,"confidence":0.99991655,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.568094789981842},{"word":"of","start":823.565,"end":823.965,"confidence":0.99969494,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6944035291671753},{"word":"a","start":823.965,"end":824.125,"confidence":0.51840514,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6901898384094238},{"word":"updated","start":824.125,"end":824.525,"confidence":0.81642723,"punctuated_word":"updated","sentiment":"positive","sentiment_score":0.6509060859680176},{"word":"projections","start":824.525,"end":825.025,"confidence":0.99799687,"punctuated_word":"projections","sentiment":"positive","sentiment_score":0.6704916954040527},{"word":"for","start":825.085,"end":825.245,"confidence":0.99989736,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7147245407104492},{"word":"you","start":825.245,"end":825.405,"confidence":0.999954,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.675106406211853},{"word":"and","start":825.405,"end":825.565,"confidence":0.9946509,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5865508913993835},{"word":"kind","start":825.565,"end":825.805,"confidence":0.78863907,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.6164305210113525},{"word":"of","start":825.805,"end":825.885,"confidence":0.9993629,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6650874614715576},{"word":"show","start":825.885,"end":826.045,"confidence":0.99976605,"punctuated_word":"show","sentiment":"positive","sentiment_score":0.5309890508651733},{"word":"you","start":826.045,"end":826.205,"confidence":0.99949694,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.652485191822052},{"word":"what","start":826.205,"end":826.365,"confidence":0.9998417,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.6418846845626831},{"word":"that","start":826.365,"end":826.525,"confidence":0.9997558,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6588380336761475},{"word":"retirement","start":826.525,"end":827.025,"confidence":0.9986743,"punctuated_word":"retirement","sentiment":"positive","sentiment_score":0.5874385237693787},{"word":"looks","start":827.085,"end":827.325,"confidence":0.9994512,"punctuated_word":"looks","sentiment":"positive","sentiment_score":0.474844366312027},{"word":"like","start":827.325,"end":827.76,"confidence":0.999318,"punctuated_word":"like.","sentiment":"positive","sentiment_score":0.4360100626945496},{"word":"now","start":829.68,"end":830.08,"confidence":0.9988825,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.03781333193182945},{"word":"in","start":830.08,"end":830.32,"confidence":0.98813987,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03732098266482353},{"word":"terms","start":830.32,"end":830.56,"confidence":0.99998534,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.03439971059560776},{"word":"of","start":830.56,"end":830.8,"confidence":0.9999447,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03851054608821869},{"word":"the","start":830.8,"end":831.04004,"confidence":0.9994332,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.032816082239151},{"word":"mortgages","start":831.04004,"end":831.52,"confidence":0.9992574,"punctuated_word":"mortgages","sentiment":"neutral","sentiment_score":0.03380511328577995},{"word":"and","start":831.52,"end":831.68,"confidence":0.9945904,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.023219173774123192},{"word":"the","start":831.68,"end":831.84,"confidence":0.999042,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04081067442893982},{"word":"contributions","start":831.84,"end":832.34,"confidence":0.9959519,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.036529116332530975},{"word":"are","start":833.28,"end":833.44,"confidence":0.6416404,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.004533957690000534},{"word":"you","start":833.44,"end":833.60004,"confidence":0.99988544,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013556988909840584},{"word":"making","start":833.60004,"end":833.92,"confidence":0.9999075,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.0235862135887146},{"word":"any","start":833.92,"end":834.16003,"confidence":0.9998271,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.019292287528514866},{"word":"extra","start":834.16003,"end":834.48,"confidence":0.99784815,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.0100332610309124},{"word":"repayments","start":834.48,"end":834.96,"confidence":0.99812055,"punctuated_word":"repayments","sentiment":"neutral","sentiment_score":0.021169578656554226},{"word":"on","start":834.96,"end":835.12,"confidence":0.99984396,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.011137695983052254},{"word":"the","start":835.12,"end":835.28,"confidence":0.9998141,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02546105906367302},{"word":"mortgage","start":835.28,"end":835.68,"confidence":0.9998623,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.02741093933582306},{"word":"or","start":835.68,"end":835.84,"confidence":0.9794151,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.00484866090118885},{"word":"pulling","start":835.84,"end":836.16003,"confidence":0.6982323,"punctuated_word":"pulling","sentiment":"neutral","sentiment_score":0.01712554693222046},{"word":"funds","start":836.16003,"end":836.4,"confidence":0.9505668,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.02204091288149357},{"word":"in","start":836.4,"end":836.56,"confidence":0.9848744,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.018513914197683334},{"word":"the","start":836.56,"end":836.64,"confidence":0.9998784,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028621915727853775},{"word":"offset","start":836.64,"end":837.04004,"confidence":0.92920876,"punctuated_word":"offset,","sentiment":"neutral","sentiment_score":0.014035604894161224},{"word":"or","start":837.04004,"end":837.2,"confidence":0.99984086,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.00412999652326107},{"word":"is","start":837.2,"end":837.28,"confidence":0.9995902,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.006320592015981674},{"word":"it","start":837.28,"end":837.44,"confidence":0.9997739,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.014687245711684229},{"word":"just","start":837.44,"end":837.68,"confidence":0.99978536,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.001215621829032898},{"word":"the","start":837.68,"end":837.84,"confidence":0.6385556,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0025594867765903473},{"word":"standard","start":837.84,"end":838.34,"confidence":0.99982315,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":-0.007956493645906448},{"word":"monthly","start":838.88,"end":839.38,"confidence":0.99837714,"punctuated_word":"monthly?","sentiment":"neutral","sentiment_score":0.01743408665060997},{"word":"perfect","start":854.67,"end":855.17,"confidence":0.9280156,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.40011027455329895},{"word":"do","start":855.31,"end":855.55,"confidence":0.9990645,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.11489230394363403},{"word":"you","start":855.55,"end":855.63,"confidence":0.99978274,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15299218893051147},{"word":"know","start":855.63,"end":855.87,"confidence":0.9996977,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.16705141961574554},{"word":"around","start":855.87,"end":856.19,"confidence":0.8537727,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.23482419550418857},{"word":"about","start":856.19,"end":856.50995,"confidence":0.99106324,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.22834181785583496},{"word":"how","start":856.50995,"end":856.58997,"confidence":0.9991942,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.19551005959510803},{"word":"much","start":856.58997,"end":856.82996,"confidence":0.9999243,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1580965518951416},{"word":"your","start":856.82996,"end":856.99,"confidence":0.91310483,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15637096762657166},{"word":"fortnightly","start":856.99,"end":857.47,"confidence":0.99785066,"punctuated_word":"fortnightly","sentiment":"neutral","sentiment_score":0.15008071064949036},{"word":"repayments","start":857.47,"end":857.97,"confidence":0.9918306,"punctuated_word":"repayments","sentiment":"neutral","sentiment_score":0.2028447985649109},{"word":"are","start":858.02997,"end":858.26996,"confidence":0.7333816,"punctuated_word":"are?","sentiment":"neutral","sentiment_score":0.11866407096385956},{"word":"just","start":858.26996,"end":858.43,"confidence":0.9978873,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.08943438529968262},{"word":"so","start":858.43,"end":858.58997,"confidence":0.99920386,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08006635308265686},{"word":"i","start":858.58997,"end":858.67,"confidence":0.9997372,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1760866791009903},{"word":"can","start":858.67,"end":858.82996,"confidence":0.98007166,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17585408687591553},{"word":"include","start":858.82996,"end":859.14996,"confidence":0.99977607,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.2021706700325012},{"word":"that","start":859.14996,"end":859.38995,"confidence":0.9997985,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1766825020313263},{"word":"in","start":859.38995,"end":859.47,"confidence":0.99972874,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.163803830742836},{"word":"the","start":859.47,"end":859.63,"confidence":0.99638736,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24568819999694824},{"word":"projections","start":859.63,"end":860.13,"confidence":0.9329455,"punctuated_word":"projections.","sentiment":"neutral","sentiment_score":0.18544261157512665},{"word":"yep","start":867.40497,"end":867.885,"confidence":0.96557,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18005870282649994},{"word":"okay","start":867.885,"end":868.385,"confidence":0.96286714,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1755906343460083},{"word":"that'll","start":870.045,"end":870.445,"confidence":0.9840597,"punctuated_word":"That'll","sentiment":"neutral","sentiment_score":0.25721612572669983},{"word":"help","start":870.445,"end":870.605,"confidence":0.9997681,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.21845492720603943},{"word":"me","start":870.605,"end":870.765,"confidence":0.9998752,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.24792511761188507},{"word":"just","start":870.765,"end":871.085,"confidence":0.9991146,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2738277018070221},{"word":"project","start":871.085,"end":871.40497,"confidence":0.9995902,"punctuated_word":"project","sentiment":"positive","sentiment_score":0.3581249713897705},{"word":"out","start":871.40497,"end":871.645,"confidence":0.99840087,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.34351876378059387},{"word":"what's","start":871.645,"end":871.885,"confidence":0.999071,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.2642962634563446},{"word":"gonna","start":871.885,"end":872.125,"confidence":0.6145801,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2851700782775879},{"word":"be","start":872.125,"end":872.285,"confidence":0.99680686,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.21666774153709412},{"word":"left","start":872.285,"end":872.52496,"confidence":0.9275341,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.050302132964134216},{"word":"over","start":872.52496,"end":872.765,"confidence":0.9996909,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.13037721812725067},{"word":"on","start":872.765,"end":872.925,"confidence":0.9997273,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1163121461868286},{"word":"that","start":872.925,"end":873.325,"confidence":0.9990087,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1222623810172081},{"word":"liability","start":873.325,"end":873.825,"confidence":0.9998547,"punctuated_word":"liability","sentiment":"neutral","sentiment_score":0.11114618182182312},{"word":"for","start":874.045,"end":874.285,"confidence":0.99968886,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10235816240310668},{"word":"you","start":874.285,"end":874.785,"confidence":0.99565405,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.09056268632411955},{"word":"and","start":876.22003,"end":876.54,"confidence":0.99908614,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.047954484820365906},{"word":"in","start":876.54,"end":876.78,"confidence":0.99959975,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05309046804904938},{"word":"terms","start":876.78,"end":876.94,"confidence":0.9999913,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.07885855436325073},{"word":"of","start":876.94,"end":877.10004,"confidence":0.99995816,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08187632262706757},{"word":"the","start":877.10004,"end":877.34,"confidence":0.9985065,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07548151910305023},{"word":"contributions","start":877.34,"end":877.84,"confidence":0.99965346,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.06693702936172485},{"word":"do","start":877.9,"end":878.06,"confidence":0.9949734,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.007112246006727219},{"word":"you","start":878.06,"end":878.14,"confidence":0.99947554,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04949385300278664},{"word":"want","start":878.14,"end":878.3,"confidence":0.99994874,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.05367432162165642},{"word":"me","start":878.3,"end":878.46,"confidence":0.99985635,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.07535210251808167},{"word":"to","start":878.46,"end":878.54,"confidence":0.9996543,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08701689541339874},{"word":"model","start":878.54,"end":878.86,"confidence":0.9999436,"punctuated_word":"model","sentiment":"neutral","sentiment_score":0.10358043015003204},{"word":"it","start":878.86,"end":879.10004,"confidence":0.99990916,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10553687810897829},{"word":"on","start":879.10004,"end":879.26,"confidence":0.9998965,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11571124196052553},{"word":"just","start":879.26,"end":879.42,"confidence":0.99990773,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08660714328289032},{"word":"what","start":879.42,"end":879.66003,"confidence":0.9997397,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.11404120922088624},{"word":"your","start":879.66003,"end":879.9,"confidence":0.9957105,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06875959783792496},{"word":"employer's","start":879.9,"end":880.3,"confidence":0.75788474,"punctuated_word":"employer's","sentiment":"neutral","sentiment_score":0.06020200252532959},{"word":"putting","start":880.3,"end":880.62,"confidence":0.9993919,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.047693200409412384},{"word":"in","start":880.62,"end":880.78,"confidence":0.99734926,"punctuated_word":"in?","sentiment":"neutral","sentiment_score":0.022542810067534447},{"word":"are","start":880.78,"end":880.94,"confidence":0.99980885,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.03452518582344055},{"word":"you","start":880.94,"end":881.02,"confidence":0.99989784,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0034166574478149414},{"word":"looking","start":881.02,"end":881.26,"confidence":0.99893934,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.014865875244140623},{"word":"at","start":881.26,"end":881.42,"confidence":0.9908529,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0071097686886787415},{"word":"doing","start":881.42,"end":881.58,"confidence":0.9999113,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.000772617757320404},{"word":"a","start":881.58,"end":881.66003,"confidence":0.9992642,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.006709232926368713},{"word":"bit","start":881.66003,"end":881.82,"confidence":0.9979955,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.000651821494102478},{"word":"of","start":881.82,"end":881.98,"confidence":0.9958657,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0048967525362968445},{"word":"salary","start":881.98,"end":882.46,"confidence":0.9996861,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.007902808487415314},{"word":"sacrifice","start":882.46,"end":882.96,"confidence":0.9993892,"punctuated_word":"sacrifice?","sentiment":"neutral","sentiment_score":-0.00578375905752182},{"word":"what's","start":883.18,"end":883.42,"confidence":0.99970007,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.0031633786857128143},{"word":"your","start":883.42,"end":883.58,"confidence":0.9995005,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.006540238857269287},{"word":"thoughts","start":883.58,"end":883.9,"confidence":0.99971837,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":-0.045298416167497635},{"word":"on","start":883.9,"end":884.06,"confidence":0.9997297,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0012113675475120544},{"word":"that","start":884.06,"end":884.22003,"confidence":0.99986637,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.009992294013500214},{"word":"side","start":884.22003,"end":884.72003,"confidence":0.99895346,"punctuated_word":"side?","sentiment":"neutral","sentiment_score":0.006957702338695526},{"word":"you're","start":909.85,"end":910.25,"confidence":0.87917525,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.17172430455684662},{"word":"right","start":910.25,"end":910.75,"confidence":0.9934522,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.12888571619987488},{"word":"yeah","start":923.545,"end":923.865,"confidence":0.92277336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13264912366867063},{"word":"it's","start":923.865,"end":924.105,"confidence":0.9980457,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.14587953686714172},{"word":"gone","start":924.105,"end":924.265,"confidence":0.89630055,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.20576855540275577},{"word":"up","start":924.265,"end":924.425,"confidence":0.999479,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.17712269723415375},{"word":"to","start":924.425,"end":924.58496,"confidence":0.9988249,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23618623614311215},{"word":"32","start":924.58496,"end":925.145,"confidence":0.9995003,"punctuated_word":"32","sentiment":"neutral","sentiment_score":0.17331649363040924},{"word":"and","start":925.145,"end":925.305,"confidence":0.99755377,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1798272430896759},{"word":"a","start":925.305,"end":925.385,"confidence":0.9984781,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2291889488697052},{"word":"half","start":925.385,"end":925.785,"confidence":0.98424196,"punctuated_word":"half,","sentiment":"neutral","sentiment_score":0.17174750566482544},{"word":"which","start":925.785,"end":926.02496,"confidence":0.99991274,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.18648169934749603},{"word":"works","start":926.02496,"end":926.425,"confidence":0.99942315,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.20847733318805697},{"word":"out","start":926.425,"end":926.58496,"confidence":0.99793774,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.24544376134872437},{"word":"to","start":926.58496,"end":926.665,"confidence":0.9996642,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16658592224121094},{"word":"be","start":926.665,"end":927.165,"confidence":0.99963844,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.19525106251239777},{"word":"about","start":927.56,"end":927.95996,"confidence":0.9847877,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.17067041993141174},{"word":"$3.26","start":927.95996,"end":928.68,"confidence":0.9993661,"punctuated_word":"$3.26","sentiment":"neutral","sentiment_score":0.1934891790151596},{"word":"a","start":928.68,"end":928.83997,"confidence":0.94460565,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23977342247962952},{"word":"fortnight","start":928.83997,"end":929.32,"confidence":0.99938715,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.20174674689769745},{"word":"for","start":929.32,"end":929.48,"confidence":0.999841,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22600595653057096},{"word":"you","start":929.48,"end":929.98,"confidence":0.96418697,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.20713070034980777},{"word":"and","start":930.12,"end":930.44,"confidence":0.9994386,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15827150642871857},{"word":"whenever","start":930.44,"end":930.76,"confidence":0.99966455,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.19498226046562195},{"word":"i","start":930.76,"end":930.92,"confidence":0.9999509,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16888409852981567},{"word":"do","start":930.92,"end":931.07996,"confidence":0.9999168,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1370747685432434},{"word":"that","start":931.07996,"end":931.24,"confidence":0.99629605,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1460766643285751},{"word":"i","start":931.24,"end":931.39996,"confidence":0.99989665,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17721810936927795},{"word":"like","start":931.39996,"end":931.56,"confidence":0.93402547,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1529686003923416},{"word":"to","start":931.56,"end":931.63995,"confidence":0.99980766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15606363117694855},{"word":"go","start":931.63995,"end":931.8,"confidence":0.99959654,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.16458730399608612},{"word":"a","start":931.8,"end":931.88,"confidence":0.9996263,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15424419939517975},{"word":"bit","start":931.88,"end":932.04,"confidence":0.99938715,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1169150322675705},{"word":"more","start":932.04,"end":932.27997,"confidence":0.99962115,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1021784320473671},{"word":"conservative","start":932.27997,"end":932.76,"confidence":0.9999131,"punctuated_word":"conservative","sentiment":"neutral","sentiment_score":0.17219802737236023},{"word":"with","start":932.76,"end":932.92,"confidence":0.999882,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1433584690093994},{"word":"it","start":932.92,"end":933.42,"confidence":0.9897961,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.12411339581012726},{"word":"so","start":935.32,"end":935.82,"confidence":0.99869823,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07720474153757095},{"word":"safely","start":935.95996,"end":936.45996,"confidence":0.78809255,"punctuated_word":"safely,","sentiment":"neutral","sentiment_score":0.09128336608409882},{"word":"300","start":936.51996,"end":937.0,"confidence":0.99961245,"punctuated_word":"300","sentiment":"neutral","sentiment_score":0.10640907287597656},{"word":"a","start":937.0,"end":937.16,"confidence":0.9888116,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.105403333902359},{"word":"fortnight","start":937.16,"end":937.56,"confidence":0.99990547,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.06366956233978271},{"word":"or","start":937.56,"end":937.72,"confidence":0.9985057,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07164237648248672},{"word":"less","start":937.72,"end":938.22,"confidence":0.8431275,"punctuated_word":"less.","sentiment":"neutral","sentiment_score":0.09972458332777023},{"word":"okay","start":956.63,"end":957.13,"confidence":0.8747984,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10037678480148315},{"word":"alright","start":959.75,"end":960.25,"confidence":0.99619126,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.1189466267824173},{"word":"now","start":960.63,"end":961.03,"confidence":0.9982559,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08466801792383194},{"word":"just","start":961.03,"end":961.27,"confidence":0.9759627,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.069877989590168},{"word":"so","start":961.27,"end":961.43,"confidence":0.9660886,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07487630844116211},{"word":"your","start":961.43,"end":961.67,"confidence":0.8352082,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08597621321678162},{"word":"own","start":961.67,"end":961.83,"confidence":0.9955778,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.09184843301773073},{"word":"like","start":962.15,"end":962.31,"confidence":0.9848288,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08096987009048462},{"word":"i","start":962.31,"end":962.39,"confidence":0.99987304,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06732173264026642},{"word":"know","start":962.39,"end":962.55,"confidence":0.9997458,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.04951382055878639},{"word":"you've","start":962.55,"end":962.71,"confidence":0.9998615,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.05607546120882034},{"word":"done","start":962.71,"end":962.87,"confidence":0.999946,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.061417918652296066},{"word":"it","start":962.87,"end":963.03,"confidence":0.9996928,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0661197304725647},{"word":"before","start":963.03,"end":963.53,"confidence":0.9759056,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":0.05190026015043259},{"word":"but","start":963.795,"end":964.035,"confidence":0.99970055,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04088723659515381},{"word":"that","start":964.035,"end":964.27496,"confidence":0.9994165,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.035183850675821304},{"word":"200","start":964.27496,"end":965.095,"confidence":0.9681454,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.03208889812231064},{"word":"if","start":965.15497,"end":965.395,"confidence":0.999803,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03910689055919647},{"word":"we","start":965.395,"end":965.635,"confidence":0.999956,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03992214426398277},{"word":"go","start":965.635,"end":965.795,"confidence":0.99941945,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.049288176000118256},{"word":"off","start":965.795,"end":965.955,"confidence":0.9933744,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.01712227240204811},{"word":"the","start":965.955,"end":966.115,"confidence":0.9974497,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017193559557199478},{"word":"standard","start":966.115,"end":966.595,"confidence":0.9997317,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":0.002785824239253998},{"word":"kind","start":966.595,"end":966.835,"confidence":0.9058597,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.00033295899629592896},{"word":"of","start":966.835,"end":966.915,"confidence":0.9991371,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.003872215747833252},{"word":"tax","start":966.915,"end":967.15497,"confidence":0.98844737,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.06335774809122086},{"word":"thing","start":967.15497,"end":967.555,"confidence":0.9824054,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.016351841390132904},{"word":"probably","start":967.555,"end":967.875,"confidence":0.93805707,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.0030954405665397644},{"word":"costs","start":967.875,"end":968.115,"confidence":0.51664764,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":0.04653352126479149},{"word":"you","start":968.115,"end":968.27496,"confidence":0.99350643,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04854534938931465},{"word":"about","start":968.27496,"end":968.515,"confidence":0.997001,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04597479850053787},{"word":"140","start":968.515,"end":969.075,"confidence":0.93306774,"punctuated_word":"140","sentiment":"neutral","sentiment_score":0.06535119563341141},{"word":"in","start":969.075,"end":969.235,"confidence":0.9965321,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.058618444949388504},{"word":"the","start":969.235,"end":969.395,"confidence":0.99341595,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04392372816801071},{"word":"hand","start":969.395,"end":969.895,"confidence":0.9937471,"punctuated_word":"hand","sentiment":"neutral","sentiment_score":0.07914796471595764},{"word":"for","start":971.475,"end":971.795,"confidence":0.99759954,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.050931647419929504},{"word":"that","start":971.795,"end":972.115,"confidence":0.9994216,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03951168805360794},{"word":"pretax","start":972.115,"end":972.615,"confidence":0.9528415,"punctuated_word":"pretax","sentiment":"neutral","sentiment_score":0.1205584853887558},{"word":"contribution","start":972.755,"end":973.255,"confidence":0.9993485,"punctuated_word":"contribution.","sentiment":"neutral","sentiment_score":0.07644526660442352},{"word":"so","start":973.795,"end":974.035,"confidence":0.99961483,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11949692666530608},{"word":"if","start":974.035,"end":974.195,"confidence":0.9964185,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14940881729125977},{"word":"you","start":974.195,"end":974.435,"confidence":0.99994576,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14962002635002136},{"word":"want","start":974.435,"end":974.835,"confidence":0.999563,"punctuated_word":"want,","sentiment":"neutral","sentiment_score":0.12220396846532822},{"word":"i","start":974.835,"end":974.915,"confidence":0.99980766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15841493010520935},{"word":"can","start":974.915,"end":975.15497,"confidence":0.9999573,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16377083957195282},{"word":"at","start":975.15497,"end":975.235,"confidence":0.9960477,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14087091386318207},{"word":"least","start":975.235,"end":975.475,"confidence":0.99989486,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.13604657351970673},{"word":"just","start":975.475,"end":975.71497,"confidence":0.99964404,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21030914783477783},{"word":"model","start":975.71497,"end":976.035,"confidence":0.99995255,"punctuated_word":"model","sentiment":"neutral","sentiment_score":0.2885223627090454},{"word":"that","start":976.035,"end":976.195,"confidence":0.9990356,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.28596723079681396},{"word":"and","start":976.195,"end":976.355,"confidence":0.998514,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28047141432762146},{"word":"show","start":976.355,"end":976.515,"confidence":0.9996985,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.21707460284233093},{"word":"you","start":976.515,"end":976.755,"confidence":0.99958223,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26052531599998474},{"word":"the","start":976.755,"end":976.835,"confidence":0.9994404,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27448901534080505},{"word":"difference","start":976.835,"end":977.19,"confidence":0.99980074,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.32269424200057983},{"word":"that","start":977.19,"end":977.27,"confidence":0.99469346,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4336068034172058},{"word":"that","start":977.27,"end":977.51,"confidence":0.9663076,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3953912556171417},{"word":"makes","start":977.51,"end":977.67,"confidence":0.9995326,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.2381591796875},{"word":"over","start":977.67,"end":977.91,"confidence":0.9992512,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.3078828752040863},{"word":"the","start":977.91,"end":978.07,"confidence":0.99971896,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2269816696643829},{"word":"next","start":978.07,"end":978.31,"confidence":0.99994135,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.20624253153800964},{"word":"few","start":978.31,"end":978.47003,"confidence":0.999635,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.1848064810037613},{"word":"years","start":978.47003,"end":978.79,"confidence":0.999778,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.21352344751358032},{"word":"of","start":978.79,"end":978.95,"confidence":0.99968505,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1646404266357422},{"word":"doing","start":978.95,"end":979.19,"confidence":0.99980134,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.13779869675636292},{"word":"that","start":979.19,"end":979.35,"confidence":0.99953556,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16586801409721377},{"word":"200","start":979.35,"end":979.83,"confidence":0.9996464,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.15696419775485992},{"word":"a","start":979.83,"end":979.91,"confidence":0.95071507,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17306643724441528},{"word":"fortnight","start":979.91,"end":980.41,"confidence":0.98764765,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":0.1070176213979721},{"word":"yep","start":986.31,"end":986.81,"confidence":0.99427307,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2208065241575241},{"word":"alrighty","start":988.63,"end":989.13,"confidence":0.99898076,"punctuated_word":"Alrighty.","sentiment":"positive","sentiment_score":0.35841792821884155},{"word":"so","start":990.095,"end":990.415,"confidence":0.9994522,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3932188153266907},{"word":"i'll","start":990.415,"end":990.495,"confidence":0.99965763,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3721951842308045},{"word":"mix","start":990.495,"end":990.735,"confidence":0.9992428,"punctuated_word":"mix","sentiment":"positive","sentiment_score":0.47935739159584045},{"word":"that","start":990.735,"end":990.89496,"confidence":0.9998876,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29239752888679504},{"word":"in","start":990.89496,"end":991.13495,"confidence":0.9860202,"punctuated_word":"in.","sentiment":"positive","sentiment_score":0.37710678577423096},{"word":"that's","start":991.13495,"end":991.375,"confidence":0.99823886,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7086619138717651},{"word":"looking","start":991.375,"end":991.615,"confidence":0.99984026,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.740786612033844},{"word":"pretty","start":991.615,"end":991.855,"confidence":0.99978596,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.7191848158836365},{"word":"good","start":991.855,"end":992.095,"confidence":0.99997926,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6744208335876465},{"word":"too","start":992.095,"end":992.415,"confidence":0.99776137,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.580122709274292},{"word":"so","start":992.415,"end":992.65497,"confidence":0.9997528,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.43961605429649353},{"word":"the","start":992.65497,"end":992.815,"confidence":0.99915314,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4614890217781067},{"word":"aim","start":992.815,"end":993.055,"confidence":0.9987173,"punctuated_word":"aim","sentiment":"positive","sentiment_score":0.5274216532707214},{"word":"of","start":993.055,"end":993.13495,"confidence":0.9772347,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5299279689788818},{"word":"the","start":993.13495,"end":993.295,"confidence":0.9995528,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.553808331489563},{"word":"game","start":993.295,"end":993.535,"confidence":0.9991091,"punctuated_word":"game","sentiment":"positive","sentiment_score":0.4745764434337616},{"word":"basically","start":993.535,"end":994.035,"confidence":0.7035136,"punctuated_word":"basically","sentiment":"positive","sentiment_score":0.4467431306838989},{"word":"is","start":994.415,"end":994.65497,"confidence":0.9913714,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4412143528461456},{"word":"i","start":994.65497,"end":994.815,"confidence":0.99204284,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4851575493812561},{"word":"wanna","start":994.815,"end":995.21497,"confidence":0.6210149,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.5170611143112183},{"word":"drop","start":995.21497,"end":995.45496,"confidence":0.99886775,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.310777485370636},{"word":"down","start":995.45496,"end":995.69495,"confidence":0.99960154,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2595610022544861},{"word":"the","start":995.69495,"end":995.77496,"confidence":0.9994894,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.43344956636428833},{"word":"risk","start":995.77496,"end":996.01495,"confidence":0.9999002,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.12859287858009338},{"word":"level","start":996.01495,"end":996.415,"confidence":0.9973138,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.24473825097084043},{"word":"a","start":996.415,"end":996.495,"confidence":0.99680066,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3774546980857849},{"word":"little","start":996.495,"end":996.65497,"confidence":0.9999832,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2954151928424835},{"word":"bit","start":996.65497,"end":997.15497,"confidence":0.9610323,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.30943989753723145},{"word":"drop","start":998.25494,"end":998.495,"confidence":0.99930346,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.3219377398490906},{"word":"down","start":998.495,"end":998.735,"confidence":0.99960655,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.3368554413318634},{"word":"the","start":998.735,"end":998.89496,"confidence":0.9994785,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4618405103683472},{"word":"fees","start":998.89496,"end":999.21497,"confidence":0.97722214,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.3043522238731384},{"word":"a","start":999.21497,"end":999.295,"confidence":0.99978286,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.40723156929016113},{"word":"little","start":999.295,"end":999.535,"confidence":0.99996674,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.3540833294391632},{"word":"bit","start":999.535,"end":1000.035,"confidence":0.99872565,"punctuated_word":"bit,","sentiment":"positive","sentiment_score":0.35197287797927856},{"word":"improve","start":1000.175,"end":1000.65497,"confidence":0.99889356,"punctuated_word":"improve","sentiment":"positive","sentiment_score":0.3453828692436218},{"word":"the","start":1000.65497,"end":1000.89496,"confidence":0.99937016,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4766055643558502},{"word":"contributions","start":1000.89496,"end":1001.39496,"confidence":0.9609735,"punctuated_word":"contributions,","sentiment":"positive","sentiment_score":0.4092758297920227},{"word":"and","start":1002.01495,"end":1002.33496,"confidence":0.99986315,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3838559985160827},{"word":"switch","start":1002.33496,"end":1002.65497,"confidence":0.9997744,"punctuated_word":"switch","sentiment":"positive","sentiment_score":0.48768073320388794},{"word":"out","start":1002.65497,"end":1002.89496,"confidence":0.99953496,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.38834312558174133},{"word":"some","start":1002.89496,"end":1003.055,"confidence":0.9998023,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.48470520973205566},{"word":"of","start":1003.055,"end":1003.13495,"confidence":0.9999354,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.472225159406662},{"word":"the","start":1003.13495,"end":1003.295,"confidence":0.99988043,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.44120436906814575},{"word":"investments","start":1003.295,"end":1003.77496,"confidence":0.99933606,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1355891078710556},{"word":"that","start":1003.77496,"end":1003.935,"confidence":0.99971503,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32668283581733704},{"word":"aren't","start":1003.935,"end":1004.095,"confidence":0.99866986,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":0.31233537197113037},{"word":"doing","start":1004.095,"end":1004.33496,"confidence":0.9997645,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.43083325028419495},{"word":"as","start":1004.33496,"end":1004.495,"confidence":0.99979585,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4764567017555237},{"word":"well","start":1004.495,"end":1004.735,"confidence":0.9999596,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.4454059898853302},{"word":"as","start":1004.735,"end":1004.815,"confidence":0.9863679,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5524512529373169},{"word":"the","start":1004.815,"end":1004.975,"confidence":0.9991786,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5508767366409302},{"word":"other","start":1004.975,"end":1005.13495,"confidence":0.99991286,"punctuated_word":"other","sentiment":"positive","sentiment_score":0.47484731674194336},{"word":"ones","start":1005.13495,"end":1005.48,"confidence":0.8821304,"punctuated_word":"ones,","sentiment":"positive","sentiment_score":0.4056174159049988},{"word":"and","start":1005.63995,"end":1005.88,"confidence":0.9998221,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4914336800575256},{"word":"that","start":1005.88,"end":1005.95996,"confidence":0.99982625,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5911073088645935},{"word":"should","start":1005.95996,"end":1006.12,"confidence":0.999744,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.6631497740745544},{"word":"get","start":1006.12,"end":1006.36,"confidence":0.99973863,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.6281211376190186},{"word":"you","start":1006.36,"end":1006.44,"confidence":0.9997801,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.568634569644928},{"word":"a","start":1006.44,"end":1006.51996,"confidence":0.99983454,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5776252746582031},{"word":"really","start":1006.51996,"end":1006.76,"confidence":0.9998994,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.599708080291748},{"word":"good","start":1006.76,"end":1007.0,"confidence":0.99992263,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.57098388671875},{"word":"outcome","start":1007.0,"end":1007.32,"confidence":0.99832124,"punctuated_word":"outcome","sentiment":"positive","sentiment_score":0.5975764989852905},{"word":"for","start":1007.32,"end":1007.48,"confidence":0.9884775,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5440032482147217},{"word":"the","start":1007.48,"end":1007.6,"confidence":0.99884003,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.545913815498352},{"word":"next","start":1007.6,"end":1007.72,"confidence":0.9999267,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.48745909333229065},{"word":"few","start":1007.72,"end":1007.95996,"confidence":0.99791163,"punctuated_word":"few","sentiment":"positive","sentiment_score":0.48318982124328613},{"word":"years","start":1007.95996,"end":1008.45996,"confidence":0.9990506,"punctuated_word":"years.","sentiment":"positive","sentiment_score":0.4188794493675232},{"word":"perfect","start":1011.63995,"end":1012.12,"confidence":0.9976371,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.7691446542739868},{"word":"so","start":1012.12,"end":1012.62,"confidence":0.9997769,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5536195635795593},{"word":"i","start":1012.68,"end":1012.92,"confidence":0.99759275,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5212082266807556},{"word":"will","start":1012.92,"end":1013.16,"confidence":0.9999436,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.5834497213363647},{"word":"get","start":1013.16,"end":1013.32,"confidence":0.9998276,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.55092453956604},{"word":"the","start":1013.32,"end":1013.48,"confidence":0.99987495,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.49501389265060425},{"word":"team","start":1013.48,"end":1013.72,"confidence":0.99896157,"punctuated_word":"team","sentiment":"positive","sentiment_score":0.4838480055332184},{"word":"to","start":1013.72,"end":1013.88,"confidence":0.99921453,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.423443078994751},{"word":"research","start":1013.88,"end":1014.27997,"confidence":0.9998198,"punctuated_word":"research","sentiment":"positive","sentiment_score":0.37027570605278015},{"word":"that","start":1014.27997,"end":1014.44,"confidence":0.9996056,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.37823686003685},{"word":"and","start":1014.44,"end":1014.6,"confidence":0.9989102,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3373490571975708},{"word":"put","start":1014.6,"end":1014.76,"confidence":0.99997175,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.45708340406417847},{"word":"together","start":1014.76,"end":1015.0,"confidence":0.9998975,"punctuated_word":"together","sentiment":"positive","sentiment_score":0.47221383452415466},{"word":"an","start":1015.0,"end":1015.16,"confidence":0.9998504,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.4608756899833679},{"word":"updated","start":1015.16,"end":1015.63995,"confidence":0.9990559,"punctuated_word":"updated","sentiment":"positive","sentiment_score":0.42441272735595703},{"word":"plan","start":1015.63995,"end":1016.12,"confidence":0.99963397,"punctuated_word":"plan.","sentiment":"positive","sentiment_score":0.4784492254257202},{"word":"i'm","start":1016.12,"end":1016.36,"confidence":0.9998784,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.3313230574131012},{"word":"gonna","start":1016.36,"end":1016.6,"confidence":0.7601027,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.32028722763061523},{"word":"do","start":1016.6,"end":1016.76,"confidence":0.99852765,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.27761614322662354},{"word":"a","start":1016.76,"end":1016.83997,"confidence":0.9996101,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.30901938676834106},{"word":"bit","start":1016.83997,"end":1017.07996,"confidence":0.9999186,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.28834694623947144},{"word":"of","start":1017.07996,"end":1017.24,"confidence":0.99995077,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3652478158473969},{"word":"a","start":1017.24,"end":1017.32,"confidence":0.9995555,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.34723055362701416},{"word":"retirement","start":1017.32,"end":1017.82,"confidence":0.99890554,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.22919227182865143},{"word":"analysis","start":1017.88,"end":1018.38,"confidence":0.9999242,"punctuated_word":"analysis","sentiment":"neutral","sentiment_score":0.30567246675491333},{"word":"to","start":1018.44,"end":1018.6,"confidence":0.9995384,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23356691002845764},{"word":"show","start":1018.6,"end":1018.76,"confidence":0.99991333,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.2472514808177948},{"word":"you","start":1018.76,"end":1019.0,"confidence":0.99954236,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2356945276260376},{"word":"kind","start":1019.0,"end":1019.16,"confidence":0.99041873,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2283841073513031},{"word":"of","start":1019.16,"end":1019.535,"confidence":0.9995024,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2373463213443756},{"word":"once","start":1019.615,"end":1019.77496,"confidence":0.99949265,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.2491358518600464},{"word":"you","start":1019.77496,"end":1019.89496,"confidence":0.9998877,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24632830917835236},{"word":"pay","start":1019.89496,"end":1020.01495,"confidence":0.9987355,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.2189316600561142},{"word":"off","start":1020.01495,"end":1020.25494,"confidence":0.9994282,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.2100314199924469},{"word":"the","start":1020.25494,"end":1020.495,"confidence":0.99827135,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2777179777622223},{"word":"mortgage","start":1020.495,"end":1020.815,"confidence":0.9221319,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.2512401342391968},{"word":"how","start":1020.815,"end":1020.975,"confidence":0.9998331,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.22778941690921783},{"word":"long","start":1020.975,"end":1021.21497,"confidence":0.9998863,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2392978072166443},{"word":"the","start":1021.21497,"end":1021.375,"confidence":0.99892044,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22632341086864471},{"word":"funds","start":1021.375,"end":1021.69495,"confidence":0.9979638,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.29339373111724854},{"word":"are","start":1021.69495,"end":1021.77496,"confidence":0.9974681,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.22194640338420868},{"word":"gonna","start":1021.77496,"end":1022.01495,"confidence":0.9856457,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2550244629383087},{"word":"last","start":1022.01495,"end":1022.51495,"confidence":0.9972805,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.23621714115142825},{"word":"based","start":1022.89496,"end":1023.21497,"confidence":0.93526024,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.3124532103538513},{"word":"on","start":1023.21497,"end":1023.375,"confidence":0.99986136,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3356066048145294},{"word":"that","start":1023.375,"end":1023.855,"confidence":0.9994511,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.318265438079834},{"word":"thousand","start":1023.855,"end":1024.335,"confidence":0.9907968,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.30267444252967834},{"word":"to","start":1024.335,"end":1024.4149,"confidence":0.99462456,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2020549178123474},{"word":"1,500","start":1024.4149,"end":1025.135,"confidence":0.99946725,"punctuated_word":"1,500","sentiment":"neutral","sentiment_score":0.2980380058288574},{"word":"a","start":1025.135,"end":1025.2949,"confidence":0.9994931,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2692457139492035},{"word":"week","start":1025.2949,"end":1025.775,"confidence":0.9999896,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.16882312297821045},{"word":"after","start":1025.775,"end":1026.095,"confidence":0.9868528,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.1825423240661621},{"word":"tax","start":1026.095,"end":1026.595,"confidence":0.99743724,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":0.1860317885875702},{"word":"alrighty","start":1029.215,"end":1029.715,"confidence":0.9966944,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.24238654971122744},{"word":"any","start":1030.1749,"end":1030.495,"confidence":0.99980205,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.14559780061244965},{"word":"questions","start":1030.495,"end":1030.815,"confidence":0.99986124,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.12774616479873657},{"word":"on","start":1030.815,"end":1030.975,"confidence":0.99995875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08627635985612869},{"word":"that","start":1030.975,"end":1031.215,"confidence":0.99996996,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15571384131908417},{"word":"so","start":1031.215,"end":1031.375,"confidence":0.9995216,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13756871223449707},{"word":"far","start":1031.375,"end":1031.615,"confidence":0.9992196,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.12851649522781372},{"word":"i","start":1031.615,"end":1031.775,"confidence":0.99949217,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08152308315038681},{"word":"know","start":1031.775,"end":1031.855,"confidence":0.99958307,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.02734111249446869},{"word":"i'm","start":1031.855,"end":1032.015,"confidence":0.9674741,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06821683049201965},{"word":"still","start":1032.015,"end":1032.1749,"confidence":0.99891794,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.06112896651029587},{"word":"gonna","start":1032.1749,"end":1032.4149,"confidence":0.9598177,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0853322446346283},{"word":"put","start":1032.4149,"end":1032.575,"confidence":0.9964587,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.11216109246015547},{"word":"the","start":1032.575,"end":1032.735,"confidence":0.9993086,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16751283407211304},{"word":"plan","start":1032.735,"end":1032.975,"confidence":0.9982717,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.2674906551837921},{"word":"together","start":1032.975,"end":1033.2949,"confidence":0.9868068,"punctuated_word":"together,","sentiment":"neutral","sentiment_score":0.13747745752334595},{"word":"but","start":1033.2949,"end":1033.455,"confidence":0.9997961,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.016443714499473572},{"word":"do","start":1033.455,"end":1033.615,"confidence":0.99815035,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.002836868166923523},{"word":"you","start":1033.615,"end":1033.695,"confidence":0.9998869,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08026299625635147},{"word":"like","start":1033.695,"end":1033.9349,"confidence":0.9996124,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0794033333659172},{"word":"what","start":1033.9349,"end":1034.095,"confidence":0.99967253,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03152906894683838},{"word":"what","start":1034.095,"end":1034.335,"confidence":0.9857722,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05556119978427887},{"word":"we're","start":1034.335,"end":1034.495,"confidence":0.99088275,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.014311025850474834},{"word":"leaning","start":1034.495,"end":1034.815,"confidence":0.89448106,"punctuated_word":"leaning","sentiment":"neutral","sentiment_score":0.02805357053875923},{"word":"towards","start":1034.815,"end":1035.315,"confidence":0.9985841,"punctuated_word":"towards?","sentiment":"neutral","sentiment_score":0.047753117978572845},{"word":"perfect","start":1043.0,"end":1043.5,"confidence":0.9962665,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5711023807525635},{"word":"well","start":1043.5599,"end":1043.7999,"confidence":0.9755752,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.23014703392982483},{"word":"that's","start":1043.7999,"end":1043.96,"confidence":0.9984566,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.22865872085094452},{"word":"my","start":1043.96,"end":1044.2,"confidence":0.9837669,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.19982242584228516},{"word":"job","start":1044.2,"end":1044.44,"confidence":0.9936911,"punctuated_word":"job,","sentiment":"neutral","sentiment_score":0.21018843352794647},{"word":"mate","start":1044.44,"end":1044.6799,"confidence":0.96683794,"punctuated_word":"mate,","sentiment":"neutral","sentiment_score":0.3136097192764282},{"word":"is","start":1044.6799,"end":1045.0,"confidence":0.9977538,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18447142839431763},{"word":"to","start":1045.0,"end":1045.5,"confidence":0.99966145,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22049984335899353},{"word":"guide","start":1045.5599,"end":1045.88,"confidence":0.92827135,"punctuated_word":"guide","sentiment":"positive","sentiment_score":0.39335864782333374},{"word":"you","start":1045.88,"end":1046.04,"confidence":0.9992848,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24360400438308716},{"word":"nice","start":1046.04,"end":1046.28,"confidence":0.99526393,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.34844180941581726},{"word":"and","start":1046.28,"end":1046.44,"confidence":0.9996352,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3689439296722412},{"word":"safely","start":1046.44,"end":1046.84,"confidence":0.9987871,"punctuated_word":"safely","sentiment":"neutral","sentiment_score":0.323469877243042},{"word":"into","start":1046.84,"end":1047.08,"confidence":0.55745643,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.23810942471027377},{"word":"port","start":1047.08,"end":1047.32,"confidence":0.9304997,"punctuated_word":"port","sentiment":"positive","sentiment_score":0.3387572765350342},{"word":"for","start":1047.32,"end":1047.48,"confidence":0.9974126,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20244181156158447},{"word":"the","start":1047.48,"end":1047.5599,"confidence":0.9989115,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21358159184455872},{"word":"next","start":1047.5599,"end":1047.7999,"confidence":0.99991465,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1470852941274643},{"word":"few","start":1047.7999,"end":1048.04,"confidence":0.9987514,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.18385495245456696},{"word":"years","start":1048.04,"end":1048.28,"confidence":0.99982077,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.20931603014469147},{"word":"and","start":1048.28,"end":1048.44,"confidence":0.7600122,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18275198340415957},{"word":"then","start":1048.44,"end":1048.94,"confidence":0.9998599,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1378408670425415},{"word":"send","start":1048.995,"end":1049.235,"confidence":0.9973464,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.21533231437206268},{"word":"you","start":1049.235,"end":1049.395,"confidence":0.9874407,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1532440185546875},{"word":"away","start":1049.395,"end":1049.715,"confidence":0.980789,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.15562543272972107},{"word":"within","start":1049.715,"end":1050.115,"confidence":0.97166234,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.11128038167953493},{"word":"a","start":1050.115,"end":1050.195,"confidence":0.9881053,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16248475015163422},{"word":"low","start":1050.195,"end":1050.4349,"confidence":0.97229666,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.14102782309055328},{"word":"half","start":1050.4349,"end":1050.675,"confidence":0.9707236,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.13504816591739657},{"word":"flowers","start":1050.675,"end":1050.915,"confidence":0.81789035,"punctuated_word":"flowers","sentiment":"neutral","sentiment_score":0.14404433965682983},{"word":"around","start":1050.915,"end":1051.235,"confidence":0.9988172,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.16152247786521912},{"word":"your","start":1051.235,"end":1051.395,"confidence":0.99806315,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16505515575408936},{"word":"neck","start":1051.395,"end":1051.555,"confidence":0.8474114,"punctuated_word":"neck,","sentiment":"neutral","sentiment_score":0.1476566195487976},{"word":"and","start":1051.555,"end":1051.715,"confidence":0.9995695,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13717669248580933},{"word":"you","start":1051.715,"end":1051.795,"confidence":0.9997626,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13150450587272644},{"word":"can","start":1051.795,"end":1051.955,"confidence":0.9994916,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1479189544916153},{"word":"send","start":1051.955,"end":1052.195,"confidence":0.99960476,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.14223995804786682},{"word":"us","start":1052.195,"end":1052.275,"confidence":0.99892104,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.11696186661720276},{"word":"some","start":1052.275,"end":1052.515,"confidence":0.9992518,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09074045717716216},{"word":"photos","start":1052.515,"end":1052.915,"confidence":0.99989164,"punctuated_word":"photos","sentiment":"neutral","sentiment_score":0.08864997327327728},{"word":"back","start":1052.915,"end":1053.415,"confidence":0.9934069,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.11973096430301666},{"word":"oh","start":1058.115,"end":1058.355,"confidence":0.88091624,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.04445631057024002},{"word":"no","start":1058.355,"end":1058.855,"confidence":0.99729127,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":0.03236015886068344},{"word":"that's","start":1058.995,"end":1059.315,"confidence":0.9990251,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.08881247043609619},{"word":"right","start":1059.315,"end":1059.555,"confidence":0.9965979,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.08716868609189987},{"word":"you","start":1059.555,"end":1059.715,"confidence":0.99975485,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.3506546914577484},{"word":"are","start":1059.715,"end":1059.875,"confidence":0.9995921,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3102538585662842},{"word":"in","start":1059.875,"end":1060.035,"confidence":0.87991285,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3327135443687439},{"word":"the","start":1060.035,"end":1060.115,"confidence":0.9887518,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.33939146995544434},{"word":"port","start":1060.115,"end":1060.4349,"confidence":0.96886265,"punctuated_word":"port.","sentiment":"positive","sentiment_score":0.35636311769485474},{"word":"that's","start":1060.4349,"end":1060.755,"confidence":0.96168625,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7709188461303711},{"word":"fantastic","start":1060.755,"end":1061.255,"confidence":0.9998332,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.7626464366912842},{"word":"i","start":1061.315,"end":1061.475,"confidence":0.99983835,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5562117099761963},{"word":"didn't","start":1061.475,"end":1061.715,"confidence":0.9999333,"punctuated_word":"didn't","sentiment":"positive","sentiment_score":0.4800052046775818},{"word":"mean","start":1061.715,"end":1061.875,"confidence":0.9992042,"punctuated_word":"mean","sentiment":"positive","sentiment_score":0.4140844643115998},{"word":"that","start":1061.875,"end":1062.115,"confidence":0.99640477,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5245711207389832},{"word":"pun","start":1062.115,"end":1062.4349,"confidence":0.970121,"punctuated_word":"pun,","sentiment":"neutral","sentiment_score":0.3011934161186218},{"word":"but","start":1062.4349,"end":1062.9349,"confidence":0.99981433,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.30972546339035034},{"word":"worked","start":1063.315,"end":1063.635,"confidence":0.89487934,"punctuated_word":"worked","sentiment":"positive","sentiment_score":0.5634408593177795},{"word":"out","start":1063.635,"end":1063.795,"confidence":0.99465454,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5792933106422424},{"word":"pretty","start":1063.795,"end":1064.195,"confidence":0.99697113,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5380949378013611},{"word":"well","start":1064.195,"end":1064.695,"confidence":0.9992001,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.5293606519699097},{"word":"alrighty","start":1067.03,"end":1067.53,"confidence":0.9987917,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.30014485120773315},{"word":"so","start":1067.8301,"end":1068.3301,"confidence":0.9371133,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.1891556978225708},{"word":"mate","start":1068.7101,"end":1069.03,"confidence":0.94885147,"punctuated_word":"mate,","sentiment":"neutral","sentiment_score":0.2246317118406296},{"word":"anything","start":1069.03,"end":1069.27,"confidence":0.9992003,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.21999534964561465},{"word":"else","start":1069.27,"end":1069.5901,"confidence":0.99991155,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.1808171272277832},{"word":"that","start":1069.5901,"end":1069.67,"confidence":0.9994898,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1544276773929596},{"word":"i","start":1069.67,"end":1069.8301,"confidence":0.9998362,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1547946333885193},{"word":"can","start":1069.8301,"end":1069.91,"confidence":0.9996592,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1437002569437027},{"word":"do","start":1069.91,"end":1070.0701,"confidence":0.9997211,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14423951506614685},{"word":"for","start":1070.0701,"end":1070.23,"confidence":0.9995459,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13939762115478516},{"word":"you","start":1070.23,"end":1070.39,"confidence":0.9997975,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14966422319412231},{"word":"today","start":1070.39,"end":1070.89,"confidence":0.9992743,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.1395220309495926},{"word":"you","start":1087.285,"end":1087.525,"confidence":0.71693176,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07263469696044922},{"word":"can","start":1087.525,"end":1087.8451,"confidence":0.99971,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0946473777294159},{"word":"do","start":1087.8451,"end":1088.005,"confidence":0.99914503,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07128243148326874},{"word":"that","start":1088.005,"end":1088.245,"confidence":0.7558652,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.07049891352653503},{"word":"but","start":1088.245,"end":1088.4851,"confidence":0.9992459,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.036706797778606415},{"word":"as","start":1088.4851,"end":1088.645,"confidence":0.99054784,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.021129049360752106},{"word":"an","start":1088.645,"end":1088.805,"confidence":0.9998406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.04751576483249664},{"word":"adviser","start":1088.805,"end":1089.285,"confidence":0.93549,"punctuated_word":"adviser,","sentiment":"neutral","sentiment_score":0.021621977910399437},{"word":"i","start":1089.285,"end":1089.3651,"confidence":0.99935764,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02578812465071678},{"word":"have","start":1089.3651,"end":1089.525,"confidence":0.99922204,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.019572891294956207},{"word":"to","start":1089.525,"end":1089.6051,"confidence":0.9988256,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.007729046046733856},{"word":"advise","start":1089.6051,"end":1089.925,"confidence":0.9983695,"punctuated_word":"advise","sentiment":"neutral","sentiment_score":0.017460927367210388},{"word":"you","start":1089.925,"end":1090.0851,"confidence":0.99944335,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006767183542251587},{"word":"to","start":1090.0851,"end":1090.165,"confidence":0.9993493,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0148712620139122},{"word":"wait","start":1090.165,"end":1090.3251,"confidence":0.99994135,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.00556519627571106},{"word":"until","start":1090.3251,"end":1090.645,"confidence":0.9995839,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.003931380808353424},{"word":"you","start":1090.645,"end":1090.805,"confidence":0.9996681,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005765654146671295},{"word":"see","start":1090.805,"end":1090.9651,"confidence":0.9977793,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.007603414356708527},{"word":"the","start":1090.9651,"end":1091.045,"confidence":0.9996191,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011462807655334473},{"word":"document","start":1091.045,"end":1091.525,"confidence":0.9996898,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.01798831671476364},{"word":"first","start":1091.525,"end":1091.8451,"confidence":0.9998134,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.004383385181427002},{"word":"because","start":1091.8451,"end":1092.0851,"confidence":0.84115106,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.016482733190059662},{"word":"it's","start":1092.0851,"end":1092.3251,"confidence":0.99931234,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03894932195544243},{"word":"kind","start":1092.3251,"end":1092.4851,"confidence":0.9961288,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03596959635615349},{"word":"of","start":1092.4851,"end":1092.78,"confidence":0.9992981,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04700786620378494},{"word":"that","start":1092.9401,"end":1093.18,"confidence":0.5208549,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05085745081305504},{"word":"wants","start":1093.18,"end":1093.26,"confidence":0.64313215,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.048606883734464645},{"word":"you","start":1093.26,"end":1093.5,"confidence":0.9987919,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0506429523229599},{"word":"to","start":1093.5,"end":1093.74,"confidence":0.99942374,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0025481432676315308},{"word":"implement","start":1093.74,"end":1094.06,"confidence":0.9997681,"punctuated_word":"implement","sentiment":"neutral","sentiment_score":0.009472936391830444},{"word":"the","start":1094.06,"end":1094.22,"confidence":0.99969053,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03162810206413269},{"word":"advice","start":1094.22,"end":1094.62,"confidence":0.967093,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.04719056189060211},{"word":"before","start":1094.62,"end":1094.86,"confidence":0.9992981,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.021405965089797977},{"word":"i've","start":1094.86,"end":1095.1,"confidence":0.9980515,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.041034311056137085},{"word":"shown","start":1095.1,"end":1095.3401,"confidence":0.99874914,"punctuated_word":"shown","sentiment":"neutral","sentiment_score":0.05248824506998062},{"word":"you","start":1095.3401,"end":1095.5801,"confidence":0.90285575,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.04585421457886696},{"word":"but","start":1095.5801,"end":1095.98,"confidence":0.998587,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06824842095375061},{"word":"if","start":1095.98,"end":1096.22,"confidence":0.8815376,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06546999514102936},{"word":"you","start":1096.22,"end":1096.38,"confidence":0.9994149,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0804111659526825},{"word":"feel","start":1096.38,"end":1096.62,"confidence":0.99975675,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.08913237601518631},{"word":"confident","start":1096.62,"end":1097.02,"confidence":0.9993192,"punctuated_word":"confident","sentiment":"neutral","sentiment_score":0.05405760556459427},{"word":"and","start":1097.02,"end":1097.1,"confidence":0.989933,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11222022026777267},{"word":"safe","start":1097.1,"end":1097.3401,"confidence":0.9855853,"punctuated_word":"safe","sentiment":"neutral","sentiment_score":0.055505067110061646},{"word":"that","start":1097.3401,"end":1097.5,"confidence":0.9958556,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1081068515777588},{"word":"you've","start":1097.5,"end":1097.66,"confidence":0.999665,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1492074877023697},{"word":"done","start":1097.66,"end":1097.8201,"confidence":0.999925,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.12621116638183594},{"word":"it","start":1097.8201,"end":1097.9,"confidence":0.99773836,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11190272867679596},{"word":"before","start":1097.9,"end":1098.3,"confidence":0.99187875,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":0.09543067216873168},{"word":"by","start":1098.3,"end":1098.4601,"confidence":0.99927324,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.06553835421800613},{"word":"all","start":1098.4601,"end":1098.62,"confidence":0.9998331,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06772717833518982},{"word":"means","start":1098.62,"end":1099.12,"confidence":0.99427223,"punctuated_word":"means.","sentiment":"neutral","sentiment_score":0.05776793882250786},{"word":"yeah","start":1109.3551,"end":1109.5951,"confidence":0.951393,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.043377745896577835},{"word":"yep","start":1109.5951,"end":1109.915,"confidence":0.9802278,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04149429500102997},{"word":"and","start":1109.915,"end":1110.0751,"confidence":0.9987325,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.027165960520505905},{"word":"see","start":1110.0751,"end":1110.235,"confidence":0.9890258,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.012857001274824142},{"word":"if","start":1110.235,"end":1110.395,"confidence":0.9997502,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.027380911633372307},{"word":"it's","start":1110.395,"end":1110.555,"confidence":0.9995431,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03791406005620957},{"word":"worth","start":1110.555,"end":1110.875,"confidence":0.99902034,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.040539585053920746},{"word":"it","start":1110.875,"end":1111.1951,"confidence":0.96915084,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04460236802697182},{"word":"in","start":1111.1951,"end":1111.3551,"confidence":0.98809993,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04280019551515579},{"word":"terms","start":1111.3551,"end":1111.5951,"confidence":0.9999312,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.05601922422647476},{"word":"of","start":1111.5951,"end":1111.8351,"confidence":0.99987364,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03028833121061325},{"word":"an","start":1111.8351,"end":1112.0751,"confidence":0.99729675,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.013756923377513884},{"word":"impact","start":1112.0751,"end":1112.5751,"confidence":0.99986804,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":-0.009501665830612184},{"word":"to","start":1112.7151,"end":1113.035,"confidence":0.9972153,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.019843727350234985},{"word":"to","start":1113.035,"end":1113.115,"confidence":0.9918256,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.022221503779292107},{"word":"bother","start":1113.115,"end":1113.615,"confidence":0.9941559,"punctuated_word":"bother.","sentiment":"neutral","sentiment_score":0.006895033642649651},{"word":"amazing","start":1115.8351,"end":1116.3351,"confidence":0.99856496,"punctuated_word":"Amazing.","sentiment":"neutral","sentiment_score":0.2238888144493103},{"word":"i","start":1117.0399,"end":1117.2,"confidence":0.9825618,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08142979443073273},{"word":"know","start":1117.2,"end":1117.36,"confidence":0.9997198,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.052072152495384216},{"word":"there's","start":1117.36,"end":1117.6799,"confidence":0.9236108,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.040085356682538986},{"word":"probably","start":1117.6799,"end":1118.0,"confidence":0.9988005,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.06087563931941986},{"word":"not","start":1118.0,"end":1118.1599,"confidence":0.99730575,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0007040724158287048},{"word":"any","start":1118.1599,"end":1118.3999,"confidence":0.9997435,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.013921774923801422},{"word":"need","start":1118.3999,"end":1118.64,"confidence":0.9998648,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0003246292471885681},{"word":"to","start":1118.64,"end":1118.7999,"confidence":0.9998592,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002443060278892517},{"word":"do","start":1118.7999,"end":1118.96,"confidence":0.9998709,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.02499571442604065},{"word":"anything","start":1118.96,"end":1119.44,"confidence":0.9988808,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.02262718975543976},{"word":"insurance","start":1119.44,"end":1119.94,"confidence":0.9877558,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.01916409283876419},{"word":"wise","start":1120.0,"end":1120.3999,"confidence":0.96409357,"punctuated_word":"wise.","sentiment":"neutral","sentiment_score":-0.0028361864387989044},{"word":"just","start":1120.3999,"end":1120.64,"confidence":0.9175228,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.03183164447546005},{"word":"wanted","start":1120.64,"end":1120.88,"confidence":0.99740964,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.026083342730998993},{"word":"to","start":1120.88,"end":1120.96,"confidence":0.9994282,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03600393235683441},{"word":"ask","start":1120.96,"end":1121.2799,"confidence":0.99974865,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.05058643966913223},{"word":"the","start":1121.2799,"end":1121.44,"confidence":0.9809027,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02588663250207901},{"word":"question","start":1121.44,"end":1121.84,"confidence":0.9997814,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.048902831971645355},{"word":"if","start":1121.84,"end":1122.0,"confidence":0.9171564,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01663183607161045},{"word":"you","start":1122.0,"end":1122.3999,"confidence":0.9998808,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008302070200443268},{"word":"were","start":1122.3999,"end":1122.5599,"confidence":0.9880525,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.003818921744823456},{"word":"wanting","start":1122.5599,"end":1122.88,"confidence":0.99974674,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.01720622181892395},{"word":"me","start":1122.88,"end":1123.0399,"confidence":0.9997181,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.018400117754936215},{"word":"to","start":1123.0399,"end":1123.12,"confidence":0.9996151,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02035553753376007},{"word":"look","start":1123.12,"end":1123.2799,"confidence":0.99990106,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.017400085926055908},{"word":"at","start":1123.2799,"end":1123.44,"confidence":0.9998148,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.014421522617340088},{"word":"anything","start":1123.44,"end":1123.9199,"confidence":0.9995197,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.044734060764312744},{"word":"insurances","start":1123.9199,"end":1124.3999,"confidence":0.9743502,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.003780907019972801},{"word":"wise","start":1124.3999,"end":1124.64,"confidence":0.99600106,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":0.0009072870016098022},{"word":"or","start":1124.64,"end":1124.88,"confidence":0.88462967,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.016455188393592834},{"word":"just","start":1124.88,"end":1125.0399,"confidence":0.99974257,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0013561919331550598},{"word":"focus","start":1125.0399,"end":1125.36,"confidence":0.98374903,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":-0.007143840193748474},{"word":"on","start":1125.36,"end":1125.52,"confidence":0.99978596,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02856427431106567},{"word":"the","start":1125.52,"end":1125.6799,"confidence":0.99823064,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05254582315683365},{"word":"retirement","start":1125.6799,"end":1126.1799,"confidence":0.9155277,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.01985834166407585},{"word":"yep","start":1135.855,"end":1136.355,"confidence":0.9613184,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.042547207325696945},{"word":"yeah","start":1148.35,"end":1148.67,"confidence":0.9015974,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.008215564303100109},{"word":"and","start":1148.67,"end":1148.91,"confidence":0.9954407,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09700188040733336},{"word":"that'll","start":1148.91,"end":1149.23,"confidence":0.98770595,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.13216397166252136},{"word":"clear","start":1149.23,"end":1149.47,"confidence":0.9971992,"punctuated_word":"clear","sentiment":"neutral","sentiment_score":0.0927468091249466},{"word":"the","start":1149.47,"end":1149.63,"confidence":0.9995197,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04598337411880493},{"word":"mortgage","start":1149.63,"end":1150.03,"confidence":0.99400496,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":0.08005385845899582},{"word":"it'll","start":1150.03,"end":1150.27,"confidence":0.99085927,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.124875009059906},{"word":"have","start":1150.27,"end":1150.51,"confidence":0.99966514,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08739807456731796},{"word":"a","start":1150.51,"end":1150.59,"confidence":0.9997348,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08073022216558456},{"word":"whole","start":1150.59,"end":1150.75,"confidence":0.9999627,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.07615165412425995},{"word":"bunch","start":1150.75,"end":1151.07,"confidence":0.99986243,"punctuated_word":"bunch","sentiment":"neutral","sentiment_score":0.08917629718780518},{"word":"left","start":1151.07,"end":1151.3099,"confidence":0.8799831,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.12230263650417328},{"word":"over","start":1151.3099,"end":1151.55,"confidence":0.98434454,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":0.08645953238010406},{"word":"like","start":1151.55,"end":1151.79,"confidence":0.99135405,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.06125946342945099},{"word":"you","start":1151.79,"end":1152.03,"confidence":0.99230427,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06751271337270737},{"word":"use","start":1152.03,"end":1152.19,"confidence":0.5208436,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.07285337895154953},{"word":"insurance","start":1152.19,"end":1152.69,"confidence":0.9985397,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.05903882533311844},{"word":"to","start":1152.75,"end":1152.83,"confidence":0.9996815,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04625663906335831},{"word":"cover","start":1152.83,"end":1153.15,"confidence":0.9999726,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.07728785276412964},{"word":"the","start":1153.15,"end":1153.3099,"confidence":0.9998697,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05558079853653908},{"word":"deficit","start":1153.3099,"end":1153.8099,"confidence":0.9997049,"punctuated_word":"deficit","sentiment":"neutral","sentiment_score":0.057171307504177094},{"word":"of","start":1153.965,"end":1154.205,"confidence":0.9998964,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06154896691441536},{"word":"the","start":1154.205,"end":1154.365,"confidence":0.99980253,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05578620359301567},{"word":"assets","start":1154.365,"end":1154.605,"confidence":0.9944596,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.04068354517221451},{"word":"that","start":1154.605,"end":1154.765,"confidence":0.99985504,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.053582604974508286},{"word":"you","start":1154.765,"end":1154.9249,"confidence":0.99992085,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03772145137190819},{"word":"don't","start":1154.9249,"end":1155.1649,"confidence":0.99995005,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.03576676920056343},{"word":"have","start":1155.1649,"end":1155.4049,"confidence":0.97298217,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.04265446215867996},{"word":"now","start":1155.4049,"end":1155.645,"confidence":0.99935466,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.028389614075422287},{"word":"that","start":1155.645,"end":1155.725,"confidence":0.9995453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02451344020664692},{"word":"you've","start":1155.725,"end":1155.965,"confidence":0.99449575,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.028192788362503052},{"word":"got","start":1155.965,"end":1156.125,"confidence":0.9996635,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.028255434706807137},{"word":"the","start":1156.125,"end":1156.2849,"confidence":0.999401,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02002696506679058},{"word":"assets","start":1156.2849,"end":1156.605,"confidence":0.9979605,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.024413306266069412},{"word":"do","start":1156.605,"end":1156.845,"confidence":0.99942017,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.020941682159900665},{"word":"you","start":1156.845,"end":1156.9249,"confidence":0.9998832,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.036790866404771805},{"word":"need","start":1156.9249,"end":1157.1649,"confidence":0.9997515,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.037531547248363495},{"word":"it","start":1157.1649,"end":1157.6649,"confidence":0.9961988,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.047986920922994614},{"word":"and","start":1159.4049,"end":1159.565,"confidence":0.99120414,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06167271360754967},{"word":"the","start":1159.565,"end":1159.725,"confidence":0.9996675,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.038809679448604584},{"word":"last","start":1159.725,"end":1159.885,"confidence":0.99997425,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.030982837080955505},{"word":"thing","start":1159.885,"end":1160.0449,"confidence":0.99984086,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.00317271426320076},{"word":"you","start":1160.0449,"end":1160.2849,"confidence":0.999084,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00955834612250328},{"word":"probably","start":1160.2849,"end":1160.525,"confidence":0.9631909,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.02824542671442032},{"word":"want","start":1160.525,"end":1160.765,"confidence":0.99352103,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.038278479129076},{"word":"is","start":1160.765,"end":1160.845,"confidence":0.99968696,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05176914855837822},{"word":"another","start":1160.845,"end":1161.1649,"confidence":0.9999124,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.06422054767608643},{"word":"$10,000","start":1161.1649,"end":1161.965,"confidence":0.99971616,"punctuated_word":"$10,000","sentiment":"neutral","sentiment_score":-0.03944611921906471},{"word":"coming","start":1161.965,"end":1162.205,"confidence":0.9997967,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.002172764390707016},{"word":"out","start":1162.205,"end":1162.365,"confidence":0.9997923,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.0062472037971019745},{"word":"of","start":1162.365,"end":1162.445,"confidence":0.9968245,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03966222703456879},{"word":"your","start":1162.445,"end":1162.6849,"confidence":0.9943904,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03783601522445679},{"word":"super","start":1162.6849,"end":1162.9249,"confidence":0.96074057,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.01071280986070633},{"word":"and","start":1162.9249,"end":1163.085,"confidence":0.90015835,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03442998602986336},{"word":"additional","start":1163.085,"end":1163.585,"confidence":0.99946815,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.02121283113956451},{"word":"fees","start":1163.645,"end":1164.145,"confidence":0.9986185,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.002263672649860382},{"word":"for","start":1164.445,"end":1164.6849,"confidence":0.9985688,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.01555783674120903},{"word":"something","start":1164.6849,"end":1165.005,"confidence":0.9997757,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.015910863876342773},{"word":"that","start":1165.005,"end":1165.1649,"confidence":0.99973816,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0883990079164505},{"word":"you","start":1165.1649,"end":1165.245,"confidence":0.9997639,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1095338985323906},{"word":"don't","start":1165.245,"end":1165.565,"confidence":0.99989223,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.09403793513774872},{"word":"necessarily","start":1165.565,"end":1166.065,"confidence":0.9993882,"punctuated_word":"necessarily","sentiment":"neutral","sentiment_score":-0.09119896590709686},{"word":"need","start":1166.125,"end":1166.625,"confidence":0.99636286,"punctuated_word":"need.","sentiment":"neutral","sentiment_score":-0.15352879464626312},{"word":"yeah","start":1171.55,"end":1171.87,"confidence":0.992977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1578490138053894},{"word":"and","start":1171.87,"end":1172.03,"confidence":0.9990196,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.23010458052158356},{"word":"you","start":1172.03,"end":1172.1901,"confidence":0.9998665,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22659751772880551},{"word":"can","start":1172.1901,"end":1172.27,"confidence":0.9999672,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18052026629447937},{"word":"get","start":1172.27,"end":1172.43,"confidence":0.9999454,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.16777615249156952},{"word":"a","start":1172.43,"end":1172.5901,"confidence":0.9998847,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2022480070590973},{"word":"policy","start":1172.5901,"end":1172.8301,"confidence":0.99904937,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.2647740840911865},{"word":"for","start":1172.8301,"end":1173.0701,"confidence":0.999915,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18012478947639465},{"word":"everything","start":1173.0701,"end":1173.39,"confidence":0.9999275,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.19435477256774905},{"word":"these","start":1173.39,"end":1173.63,"confidence":0.9976138,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.18552018702030185},{"word":"days","start":1173.63,"end":1174.13,"confidence":0.99737364,"punctuated_word":"days.","sentiment":"neutral","sentiment_score":0.1348205208778381},{"word":"absolutely","start":1176.1901,"end":1176.6901,"confidence":0.99757636,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.5368435382843018},{"word":"so","start":1177.55,"end":1178.03,"confidence":0.72776926,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5742776989936829},{"word":"between","start":1178.03,"end":1178.43,"confidence":0.99822253,"punctuated_word":"between","sentiment":"positive","sentiment_score":0.629156231880188},{"word":"the","start":1178.43,"end":1178.5901,"confidence":0.999808,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5447854399681091},{"word":"wills","start":1178.5901,"end":1178.91,"confidence":0.90580547,"punctuated_word":"wills,","sentiment":"positive","sentiment_score":0.5754922032356262},{"word":"the","start":1178.91,"end":1179.0701,"confidence":0.99450433,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5641561150550842},{"word":"beneficiaries","start":1179.0701,"end":1179.5701,"confidence":0.99948,"punctuated_word":"beneficiaries,","sentiment":"positive","sentiment_score":0.4710553288459778},{"word":"the","start":1179.79,"end":1179.9501,"confidence":0.9997749,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6132143139839172},{"word":"portfolio","start":1179.9501,"end":1180.3501,"confidence":0.91588706,"punctuated_word":"portfolio,","sentiment":"positive","sentiment_score":0.5084249973297119},{"word":"and","start":1180.3501,"end":1180.51,"confidence":0.9993895,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6280763149261475},{"word":"everything","start":1180.51,"end":1180.8301,"confidence":0.99584913,"punctuated_word":"everything,","sentiment":"positive","sentiment_score":0.5826916098594666},{"word":"that's","start":1180.8301,"end":1181.15,"confidence":0.99981093,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.6942465305328369},{"word":"all","start":1181.15,"end":1181.39,"confidence":0.9993905,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.672176718711853},{"word":"looking","start":1181.39,"end":1181.79,"confidence":0.9998723,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.6316928863525391},{"word":"pretty","start":1181.79,"end":1182.11,"confidence":0.9998266,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6415713429450989},{"word":"good","start":1182.11,"end":1182.61,"confidence":0.9996199,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4916774034500122},{"word":"alrighty","start":1184.085,"end":1184.585,"confidence":0.9778173,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.325700044631958},{"word":"outside","start":1184.805,"end":1185.305,"confidence":0.32161972,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":0.311990350484848},{"word":"of","start":1185.4451,"end":1185.605,"confidence":0.9994671,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2207029014825821},{"word":"that","start":1185.605,"end":1185.925,"confidence":0.9455476,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1941295266151428},{"word":"inside","start":1185.925,"end":1186.405,"confidence":0.9995376,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.2446989268064499},{"word":"that","start":1186.405,"end":1186.645,"confidence":0.9976865,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.28122109174728394},{"word":"pack","start":1186.645,"end":1186.885,"confidence":0.9922084,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.16963502764701843},{"word":"i've","start":1186.885,"end":1187.045,"confidence":0.95357746,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2425501048564911},{"word":"sent","start":1187.045,"end":1187.285,"confidence":0.9996433,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.1933160126209259},{"word":"you","start":1187.285,"end":1187.525,"confidence":0.98265445,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.22176335752010343},{"word":"it's","start":1187.525,"end":1187.685,"confidence":0.8834028,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2601855397224426},{"word":"just","start":1187.685,"end":1187.765,"confidence":0.9961474,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2978806793689728},{"word":"got","start":1187.765,"end":1188.005,"confidence":0.9993344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.3048877716064453},{"word":"the","start":1188.005,"end":1188.165,"confidence":0.99912685,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2663141191005707},{"word":"updated","start":1188.165,"end":1188.645,"confidence":0.99891496,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.273685485124588},{"word":"service","start":1188.645,"end":1189.045,"confidence":0.9995658,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.1906817257404327},{"word":"agreement","start":1189.045,"end":1189.545,"confidence":0.9997993,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.2532852292060852},{"word":"to","start":1189.605,"end":1189.765,"confidence":0.97940433,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2230905145406723},{"word":"remain","start":1189.765,"end":1190.165,"confidence":0.95614326,"punctuated_word":"remain","sentiment":"neutral","sentiment_score":0.2299739569425583},{"word":"advisers","start":1190.165,"end":1190.665,"confidence":0.7688954,"punctuated_word":"advisers","sentiment":"neutral","sentiment_score":0.23425503075122833},{"word":"on","start":1190.885,"end":1191.125,"confidence":0.9982346,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.24753977358341217},{"word":"hub","start":1191.125,"end":1191.365,"confidence":0.5079661,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.24391765892505649},{"word":"twenty","start":1191.365,"end":1191.605,"confidence":0.9992132,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.2704372704029083},{"word":"four","start":1191.605,"end":1191.845,"confidence":0.99971026,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.27261629700660706},{"word":"if","start":1191.845,"end":1192.005,"confidence":0.8277204,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.299909770488739},{"word":"you're","start":1192.005,"end":1192.165,"confidence":0.9989362,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.26631736755371094},{"word":"still","start":1192.165,"end":1192.3251,"confidence":0.99944764,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.216540589928627},{"word":"comfortable","start":1192.3251,"end":1192.805,"confidence":0.9997589,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.2147374451160431},{"word":"with","start":1192.805,"end":1192.965,"confidence":0.99971145,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.31096145510673523},{"word":"the","start":1192.965,"end":1193.125,"confidence":0.99941564,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3185822069644928},{"word":"services","start":1193.125,"end":1193.625,"confidence":0.9977224,"punctuated_word":"services.","sentiment":"neutral","sentiment_score":0.2207123339176178},{"word":"just","start":1194.165,"end":1194.405,"confidence":0.99947506,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.1307429075241089},{"word":"bear","start":1194.405,"end":1194.645,"confidence":0.99959594,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":0.08244684338569641},{"word":"in","start":1194.645,"end":1194.805,"confidence":0.99974054,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05680025368928909},{"word":"mind","start":1194.805,"end":1195.305,"confidence":0.99845445,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.11609023809432983},{"word":"two","start":1195.605,"end":1195.845,"confidence":0.5075798,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.07919691503047943},{"word":"little","start":1195.845,"end":1196.165,"confidence":0.9998271,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.099032461643219},{"word":"things","start":1196.165,"end":1196.665,"confidence":0.9929929,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.03639483451843262},{"word":"first","start":1197.33,"end":1197.57,"confidence":0.99981815,"punctuated_word":"First","sentiment":"neutral","sentiment_score":0.024926260113716125},{"word":"of","start":1197.57,"end":1197.73,"confidence":0.99992883,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02617308497428894},{"word":"all","start":1197.73,"end":1198.23,"confidence":0.999761,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":0.03972357511520386},{"word":"you","start":1198.69,"end":1198.85,"confidence":0.99976236,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04607822000980377},{"word":"are","start":1198.85,"end":1199.09,"confidence":0.9998605,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03646154701709747},{"word":"well","start":1199.09,"end":1199.33,"confidence":0.9998111,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.11140526831150056},{"word":"and","start":1199.33,"end":1199.49,"confidence":0.99933404,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0792527049779892},{"word":"truly","start":1199.49,"end":1199.89,"confidence":0.99988186,"punctuated_word":"truly","sentiment":"neutral","sentiment_score":0.08647869527339935},{"word":"above","start":1199.89,"end":1200.37,"confidence":0.99979657,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.1138664036989212},{"word":"our","start":1200.37,"end":1200.61,"confidence":0.99717736,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.019843772053718567},{"word":"cap","start":1200.61,"end":1201.09,"confidence":0.984059,"punctuated_word":"cap,","sentiment":"neutral","sentiment_score":0.01948373392224312},{"word":"which","start":1201.09,"end":1201.41,"confidence":0.9999212,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.016758598387241364},{"word":"is","start":1201.41,"end":1201.65,"confidence":0.9986687,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.000986471772193909},{"word":"600,000","start":1201.65,"end":1202.63,"confidence":0.9997921,"punctuated_word":"600,000","sentiment":"neutral","sentiment_score":0.04802699014544487},{"word":"in","start":1202.69,"end":1202.85,"confidence":0.9796299,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02601408213376999},{"word":"terms","start":1202.85,"end":1203.09,"confidence":0.9999682,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.06038160622119904},{"word":"of","start":1203.09,"end":1203.1699,"confidence":0.9998739,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.023997530341148376},{"word":"the","start":1203.1699,"end":1203.33,"confidence":0.99980646,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007236853241920471},{"word":"fees","start":1203.33,"end":1203.73,"confidence":0.9530184,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.0038442574441432953},{"word":"so","start":1203.73,"end":1203.89,"confidence":0.99974304,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.00044286996126174927},{"word":"the","start":1203.89,"end":1204.0499,"confidence":0.9982698,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02283103764057159},{"word":"1.65%","start":1204.0499,"end":1205.41,"confidence":0.992013,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.00562744215130806},{"word":"caps","start":1205.41,"end":1205.73,"confidence":0.9413465,"punctuated_word":"caps","sentiment":"neutral","sentiment_score":-0.009524837136268616},{"word":"at","start":1205.73,"end":1205.89,"confidence":0.9754837,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.017072513699531555},{"word":"600,000","start":1205.89,"end":1207.03,"confidence":0.9487035,"punctuated_word":"600,000.","sentiment":"neutral","sentiment_score":0.020313285291194916},{"word":"you're","start":1207.25,"end":1207.49,"confidence":0.99828136,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.026613499969244003},{"word":"well","start":1207.49,"end":1207.65,"confidence":0.99961436,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.0928138941526413},{"word":"and","start":1207.65,"end":1207.8099,"confidence":0.9986412,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05652788281440735},{"word":"truly","start":1207.8099,"end":1208.13,"confidence":0.99910647,"punctuated_word":"truly","sentiment":"neutral","sentiment_score":0.04923795908689499},{"word":"above","start":1208.13,"end":1208.45,"confidence":0.9995233,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.08744914829730988},{"word":"that","start":1208.45,"end":1208.69,"confidence":0.8589121,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.016400527209043503},{"word":"so","start":1208.69,"end":1208.85,"confidence":0.99968135,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.047404006123542786},{"word":"it's","start":1208.85,"end":1209.1699,"confidence":0.99947405,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0018730189185589552},{"word":"flat","start":1209.1699,"end":1209.49,"confidence":0.99964726,"punctuated_word":"flat","sentiment":"neutral","sentiment_score":0.03686344623565674},{"word":"at","start":1209.49,"end":1209.65,"confidence":0.9997024,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.009389802813529968},{"word":"this","start":1209.65,"end":1209.89,"confidence":0.9997793,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.019894003868103027},{"word":"point","start":1209.89,"end":1210.39,"confidence":0.9995351,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":-0.003010071814060211},{"word":"next","start":1211.01,"end":1211.41,"confidence":0.9993154,"punctuated_word":"Next","sentiment":"neutral","sentiment_score":-0.00948188453912735},{"word":"year","start":1211.41,"end":1211.91,"confidence":0.9991478,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.014498572796583176},{"word":"colin","start":1212.335,"end":1212.655,"confidence":0.85475856,"punctuated_word":"Colin,","sentiment":"neutral","sentiment_score":0.017844289541244507},{"word":"we","start":1212.655,"end":1212.735,"confidence":0.999824,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.024807818233966827},{"word":"are","start":1212.735,"end":1212.895,"confidence":0.99986947,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.013098455965518951},{"word":"bringing","start":1212.895,"end":1213.375,"confidence":0.9997638,"punctuated_word":"bringing","sentiment":"neutral","sentiment_score":0.05254345387220383},{"word":"in","start":1213.375,"end":1213.775,"confidence":0.99941134,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07370202243328094},{"word":"tiered","start":1213.775,"end":1214.175,"confidence":0.99880147,"punctuated_word":"tiered","sentiment":"neutral","sentiment_score":0.05126242712140083},{"word":"fee","start":1214.175,"end":1214.495,"confidence":0.9929148,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.05717817693948746},{"word":"structures","start":1214.495,"end":1214.995,"confidence":0.9970969,"punctuated_word":"structures.","sentiment":"neutral","sentiment_score":0.04539083316922188},{"word":"so","start":1215.135,"end":1215.295,"confidence":0.99971765,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0672173798084259},{"word":"for","start":1215.295,"end":1215.455,"confidence":0.99749595,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07298178970813751},{"word":"everyone","start":1215.455,"end":1215.935,"confidence":0.9992429,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":0.0671619176864624},{"word":"above","start":1215.935,"end":1216.335,"confidence":0.99971026,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.059871941804885864},{"word":"200,000","start":1216.335,"end":1217.215,"confidence":0.99923515,"punctuated_word":"200,000,","sentiment":"neutral","sentiment_score":0.07730309665203094},{"word":"we're","start":1217.215,"end":1217.375,"confidence":0.9997454,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.10417821258306505},{"word":"gonna","start":1217.375,"end":1217.615,"confidence":0.7939677,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.12102733552455902},{"word":"start","start":1217.615,"end":1217.935,"confidence":0.9974698,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.09091202169656754},{"word":"dropping","start":1217.935,"end":1218.435,"confidence":0.99982244,"punctuated_word":"dropping","sentiment":"neutral","sentiment_score":0.08969190716743469},{"word":"and","start":1218.495,"end":1218.735,"confidence":0.9988952,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.029420211911201477},{"word":"giving","start":1218.735,"end":1219.135,"confidence":0.9996829,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.07146835327148438},{"word":"some","start":1219.135,"end":1219.535,"confidence":0.99977046,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09511936455965042},{"word":"percentage","start":1219.535,"end":1220.035,"confidence":0.99893266,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.08772054314613342},{"word":"discounts","start":1220.175,"end":1220.575,"confidence":0.9962282,"punctuated_word":"discounts","sentiment":"neutral","sentiment_score":0.05972025543451309},{"word":"to","start":1220.575,"end":1220.655,"confidence":0.99274105,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08501498401165009},{"word":"everybody","start":1220.655,"end":1221.155,"confidence":0.99823236,"punctuated_word":"everybody.","sentiment":"neutral","sentiment_score":0.07946541905403137},{"word":"so","start":1223.375,"end":1223.695,"confidence":0.99682,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05479582399129867},{"word":"i'll","start":1223.695,"end":1224.175,"confidence":0.99964607,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0682123526930809},{"word":"leave","start":1224.175,"end":1224.415,"confidence":0.99981683,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.04959804564714432},{"word":"that","start":1224.415,"end":1224.735,"confidence":0.9996556,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0908324122428894},{"word":"as","start":1224.735,"end":1224.895,"confidence":0.9998361,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04468052089214325},{"word":"the","start":1224.895,"end":1225.135,"confidence":0.9997845,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06903144717216492},{"word":"current","start":1225.135,"end":1225.455,"confidence":0.9999131,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.05781978368759155},{"word":"agreement","start":1225.455,"end":1225.855,"confidence":0.9999223,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.06447499990463257},{"word":"for","start":1225.855,"end":1226.015,"confidence":0.99967706,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05799601972103119},{"word":"the","start":1226.015,"end":1226.175,"confidence":0.9996593,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06769368052482605},{"word":"twelve","start":1226.175,"end":1226.415,"confidence":0.94613993,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.06741183251142502},{"word":"months","start":1226.415,"end":1226.735,"confidence":0.6878995,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.05982949584722519},{"word":"but","start":1226.735,"end":1226.895,"confidence":0.9994868,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05313451960682869},{"word":"next","start":1226.895,"end":1227.135,"confidence":0.99871266,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.031498320400714874},{"word":"time","start":1227.135,"end":1227.295,"confidence":0.99978036,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.02774444967508316},{"word":"i","start":1227.295,"end":1227.57,"confidence":0.9993635,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.042391274124383926},{"word":"speak","start":1227.57,"end":1227.8099,"confidence":0.9995103,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.03615732863545418},{"word":"to","start":1227.8099,"end":1227.8899,"confidence":0.9980572,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03720063716173172},{"word":"you","start":1227.8899,"end":1228.0499,"confidence":0.9990029,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05318857356905937},{"word":"after","start":1228.0499,"end":1228.5499,"confidence":0.99391794,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.04990651085972786},{"word":"that","start":1228.57,"end":1229.07,"confidence":0.99872535,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.06104825437068939},{"word":"we'll","start":1229.09,"end":1229.57,"confidence":0.9994487,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.08511580526828766},{"word":"go","start":1229.57,"end":1229.73,"confidence":0.9996375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09696398675441742},{"word":"through","start":1229.73,"end":1229.97,"confidence":0.9999529,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09497303515672684},{"word":"that","start":1229.97,"end":1230.21,"confidence":0.9998617,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.099091038107872},{"word":"new","start":1230.21,"end":1230.5299,"confidence":0.9997271,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.07820960879325867},{"word":"update","start":1230.5299,"end":1230.9299,"confidence":0.9998134,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.08805261552333832},{"word":"once","start":1230.9299,"end":1231.1699,"confidence":0.9913884,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.08763855695724487},{"word":"we've","start":1231.1699,"end":1231.4099,"confidence":0.9994929,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.07940512895584106},{"word":"got","start":1231.4099,"end":1231.57,"confidence":0.9996094,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08757663518190384},{"word":"all","start":1231.57,"end":1231.73,"confidence":0.9996985,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06227754428982735},{"word":"the","start":1231.73,"end":1232.23,"confidence":0.9926804,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.039157964289188385},{"word":"the","start":1232.37,"end":1232.45,"confidence":0.7621582,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02873927727341652},{"word":"guides","start":1232.45,"end":1232.95,"confidence":0.9966822,"punctuated_word":"guides","sentiment":"neutral","sentiment_score":0.04142622649669647},{"word":"and","start":1233.4099,"end":1233.9099,"confidence":0.99719065,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0423566959798336},{"word":"legal","start":1234.21,"end":1234.61,"confidence":0.94993,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.03417009115219116},{"word":"documents","start":1234.61,"end":1235.11,"confidence":0.9989575,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.04575180262327194},{"word":"written","start":1235.1699,"end":1235.57,"confidence":0.5787675,"punctuated_word":"written","sentiment":"neutral","sentiment_score":0.06746017932891846},{"word":"up","start":1235.57,"end":1236.07,"confidence":0.9811056,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.047211356461048126},{"word":"perfect","start":1239.25,"end":1239.75,"confidence":0.9982827,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4554647207260132},{"word":"alright","start":1240.125,"end":1240.365,"confidence":0.9968053,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.3696679472923279},{"word":"that's","start":1240.365,"end":1240.845,"confidence":0.9997996,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.44630202651023865},{"word":"pretty","start":1240.845,"end":1241.005,"confidence":0.99989986,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4231778085231781},{"word":"much","start":1241.005,"end":1241.165,"confidence":0.99997807,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4366852045059204},{"word":"everything","start":1241.165,"end":1241.485,"confidence":0.9999573,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.5122977495193481},{"word":"i","start":1241.485,"end":1241.645,"confidence":0.99981385,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4967329502105713},{"word":"needed","start":1241.645,"end":1242.045,"confidence":0.9998858,"punctuated_word":"needed","sentiment":"positive","sentiment_score":0.45790931582450867},{"word":"so","start":1242.045,"end":1242.285,"confidence":0.9996836,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.3922456204891205},{"word":"far","start":1242.285,"end":1242.785,"confidence":0.999902,"punctuated_word":"far.","sentiment":"positive","sentiment_score":0.4082016050815582},{"word":"anything","start":1243.005,"end":1243.325,"confidence":0.88434255,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":0.3090333640575409},{"word":"else","start":1243.325,"end":1243.485,"confidence":0.99997735,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.2529216408729553},{"word":"i","start":1243.485,"end":1243.645,"confidence":0.9974566,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22396793961524963},{"word":"can","start":1243.645,"end":1243.725,"confidence":0.99986565,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2276768833398819},{"word":"help","start":1243.725,"end":1243.965,"confidence":0.9999093,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.2370442897081375},{"word":"you","start":1243.965,"end":1244.045,"confidence":0.9997856,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3033899664878845},{"word":"with","start":1244.045,"end":1244.205,"confidence":0.99993086,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2128525972366333},{"word":"before","start":1244.205,"end":1244.4451,"confidence":0.9996954,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.2169933170080185},{"word":"i","start":1244.4451,"end":1244.525,"confidence":0.99902165,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.245890811085701},{"word":"let","start":1244.525,"end":1244.685,"confidence":0.99960893,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.27864450216293335},{"word":"you","start":1244.685,"end":1245.185,"confidence":0.999899,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2794491946697235},{"word":"enjoy","start":1245.485,"end":1245.885,"confidence":0.97628015,"punctuated_word":"enjoy","sentiment":"neutral","sentiment_score":0.23644375801086423},{"word":"your","start":1245.885,"end":1246.045,"confidence":0.99989223,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3312413990497589},{"word":"day","start":1246.045,"end":1246.285,"confidence":0.99994457,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.2939547002315521},{"word":"picking","start":1246.285,"end":1246.605,"confidence":0.9927699,"punctuated_word":"picking","sentiment":"neutral","sentiment_score":0.2669295072555542},{"word":"up","start":1246.605,"end":1246.685,"confidence":0.99993,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.19641804695129397},{"word":"your","start":1246.685,"end":1246.925,"confidence":0.99991465,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3061797618865967},{"word":"daughter","start":1246.925,"end":1247.425,"confidence":0.9990392,"punctuated_word":"daughter?","sentiment":"neutral","sentiment_score":0.21841229498386383},{"word":"yeah","start":1259.26,"end":1259.5801,"confidence":0.9070654,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15117254853248596},{"word":"that's","start":1259.5801,"end":1259.8201,"confidence":0.929458,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.19575950503349304},{"word":"half","start":1259.8201,"end":1260.06,"confidence":0.9574034,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.26364991068840027},{"word":"our","start":1260.06,"end":1260.14,"confidence":0.8520732,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.2865104675292969},{"word":"job","start":1260.14,"end":1260.38,"confidence":0.67312926,"punctuated_word":"job,","sentiment":"positive","sentiment_score":0.367936372756958},{"word":"colton","start":1260.38,"end":1260.7001,"confidence":0.8043716,"punctuated_word":"Colton.","sentiment":"positive","sentiment_score":0.3476356863975525},{"word":"it's","start":1260.7001,"end":1260.86,"confidence":0.97829026,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4377150535583496},{"word":"just","start":1260.86,"end":1261.1,"confidence":0.99765223,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3935840129852295},{"word":"good","start":1261.1,"end":1261.34,"confidence":0.62018573,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4338897466659546},{"word":"reminder","start":1261.34,"end":1261.84,"confidence":0.99927264,"punctuated_word":"reminder","sentiment":"positive","sentiment_score":0.5085228681564331},{"word":"and","start":1261.98,"end":1262.22,"confidence":0.7698867,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3769177794456482},{"word":"just","start":1262.22,"end":1262.4601,"confidence":0.99867576,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.38088104128837585},{"word":"to","start":1262.4601,"end":1262.62,"confidence":0.99967563,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3891337513923645},{"word":"get","start":1262.62,"end":1262.78,"confidence":0.9999461,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3320118188858032},{"word":"that","start":1262.78,"end":1262.9401,"confidence":0.9996475,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3813661634922027},{"word":"little","start":1262.9401,"end":1263.18,"confidence":0.9967429,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.35917210578918457},{"word":"bit","start":1263.18,"end":1263.34,"confidence":0.9999076,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.32017216086387634},{"word":"of","start":1263.34,"end":1263.5,"confidence":0.9998357,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.38098084926605225},{"word":"movement","start":1263.5,"end":1263.8201,"confidence":0.9990734,"punctuated_word":"movement","sentiment":"positive","sentiment_score":0.3925481736660004},{"word":"going","start":1263.8201,"end":1264.06,"confidence":0.99985147,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.4934172034263611},{"word":"where","start":1264.06,"end":1264.3,"confidence":0.9834472,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.26631373167037964},{"word":"people","start":1264.3,"end":1264.54,"confidence":0.9999633,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.28910401463508606},{"word":"otherwise","start":1264.54,"end":1265.02,"confidence":0.984059,"punctuated_word":"otherwise","sentiment":"neutral","sentiment_score":0.2094658464193344},{"word":"wouldn't","start":1265.02,"end":1265.52,"confidence":0.98029083,"punctuated_word":"wouldn't.","sentiment":"neutral","sentiment_score":0.1864642798900604},{"word":"but","start":1268.5249,"end":1268.7649,"confidence":0.9926871,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.01571524143218994},{"word":"leave","start":1268.7649,"end":1268.9249,"confidence":0.9988638,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.008486308157444},{"word":"it","start":1268.9249,"end":1269.085,"confidence":0.9998865,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.045005954802036285},{"word":"with","start":1269.085,"end":1269.245,"confidence":0.9999213,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0003363564610481262},{"word":"me","start":1269.245,"end":1269.4049,"confidence":0.98185503,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.012336313724517822},{"word":"i'll","start":1269.4049,"end":1269.6449,"confidence":0.99995995,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.7552685737609863},{"word":"put","start":1269.6449,"end":1269.725,"confidence":0.9999752,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.819959819316864},{"word":"together","start":1269.725,"end":1270.125,"confidence":0.9998721,"punctuated_word":"together","sentiment":"positive","sentiment_score":0.8498302698135376},{"word":"a","start":1270.125,"end":1270.205,"confidence":0.99990165,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8655307292938232},{"word":"nice","start":1270.205,"end":1270.445,"confidence":0.75096405,"punctuated_word":"nice,","sentiment":"positive","sentiment_score":0.9003487825393677},{"word":"beautiful","start":1270.445,"end":1270.845,"confidence":0.99994195,"punctuated_word":"beautiful","sentiment":"positive","sentiment_score":0.92520272731781},{"word":"plan","start":1270.845,"end":1271.085,"confidence":0.9996873,"punctuated_word":"plan","sentiment":"positive","sentiment_score":0.8777431845664978},{"word":"for","start":1271.085,"end":1271.245,"confidence":0.99991715,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8932863473892212},{"word":"you","start":1271.245,"end":1271.485,"confidence":0.99770725,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.845609188079834},{"word":"we'll","start":1271.485,"end":1271.6449,"confidence":0.99971247,"punctuated_word":"We'll","sentiment":"positive","sentiment_score":0.8493313789367676},{"word":"get","start":1271.6449,"end":1271.8849,"confidence":0.9999263,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.8775783777236938},{"word":"everything","start":1271.8849,"end":1272.2849,"confidence":0.99989426,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.8600327372550964},{"word":"kind","start":1272.2849,"end":1272.445,"confidence":0.99697495,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.7808247208595276},{"word":"of","start":1272.445,"end":1272.945,"confidence":0.999699,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.8204731941223145},{"word":"moving","start":1273.085,"end":1273.585,"confidence":0.99946505,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.8414499163627625},{"word":"smoothly","start":1273.6449,"end":1274.125,"confidence":0.9998466,"punctuated_word":"smoothly","sentiment":"positive","sentiment_score":0.863989531993866},{"word":"in","start":1274.125,"end":1274.2849,"confidence":0.9656352,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.8052405118942261},{"word":"towards","start":1274.2849,"end":1274.605,"confidence":0.96195453,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.7928050756454468},{"word":"that","start":1274.605,"end":1274.845,"confidence":0.9997056,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.7531002759933472},{"word":"port","start":1274.845,"end":1275.345,"confidence":0.94716084,"punctuated_word":"port.","sentiment":"positive","sentiment_score":0.6977185010910034},{"word":"and","start":1275.4049,"end":1275.8049,"confidence":0.9991812,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.671770453453064},{"word":"like","start":1275.8049,"end":1275.965,"confidence":0.6328507,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.704539954662323},{"word":"i","start":1275.965,"end":1276.125,"confidence":0.9994789,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6568343639373779},{"word":"said","start":1276.125,"end":1276.625,"confidence":0.9993335,"punctuated_word":"said,","sentiment":"positive","sentiment_score":0.6352535486221313},{"word":"drop","start":1276.6849,"end":1276.9249,"confidence":0.9991518,"punctuated_word":"drop","sentiment":"positive","sentiment_score":0.6094507575035095},{"word":"the","start":1276.9249,"end":1277.085,"confidence":0.9994325,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6741461157798767},{"word":"risk","start":1277.085,"end":1277.245,"confidence":0.6417641,"punctuated_word":"risk","sentiment":"positive","sentiment_score":0.5050885677337646},{"word":"down","start":1277.245,"end":1277.565,"confidence":0.94209385,"punctuated_word":"down,","sentiment":"positive","sentiment_score":0.5151684284210205},{"word":"drop","start":1277.565,"end":1277.8049,"confidence":0.99967813,"punctuated_word":"drop","sentiment":"positive","sentiment_score":0.5848769545555115},{"word":"the","start":1277.8049,"end":1277.965,"confidence":0.99900526,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6231921911239624},{"word":"fees","start":1277.965,"end":1278.205,"confidence":0.9920069,"punctuated_word":"fees,","sentiment":"positive","sentiment_score":0.5877386331558228},{"word":"get","start":1278.205,"end":1278.365,"confidence":0.99956685,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.7429816126823425},{"word":"the","start":1278.365,"end":1278.5249,"confidence":0.9955781,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6930346488952637},{"word":"performance","start":1278.5249,"end":1279.0049,"confidence":0.9997594,"punctuated_word":"performance","sentiment":"positive","sentiment_score":0.6796281933784485},{"word":"up","start":1279.0049,"end":1279.1649,"confidence":0.9988148,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.7024064660072327},{"word":"a","start":1279.1649,"end":1279.245,"confidence":0.999795,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.683394193649292},{"word":"little","start":1279.245,"end":1279.485,"confidence":0.99995935,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.6024324297904968},{"word":"bit","start":1279.485,"end":1279.83,"confidence":0.99311996,"punctuated_word":"bit,","sentiment":"positive","sentiment_score":0.6890384554862976},{"word":"and","start":1279.9099,"end":1279.99,"confidence":0.9998958,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7404369115829468},{"word":"you","start":1279.99,"end":1280.23,"confidence":0.9997658,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8135668635368347},{"word":"should","start":1280.23,"end":1280.39,"confidence":0.9999541,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.8163989782333374},{"word":"be","start":1280.39,"end":1280.5499,"confidence":0.99990976,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.7880227565765381},{"word":"having","start":1280.5499,"end":1280.87,"confidence":0.9998951,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.7142071723937988},{"word":"a","start":1280.87,"end":1280.95,"confidence":0.99916303,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6772559881210327},{"word":"good","start":1280.95,"end":1281.19,"confidence":0.99990046,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6701305508613586},{"word":"few","start":1281.19,"end":1281.4299,"confidence":0.99963975,"punctuated_word":"few","sentiment":"positive","sentiment_score":0.6663567423820496},{"word":"years","start":1281.4299,"end":1281.9299,"confidence":0.99964106,"punctuated_word":"years.","sentiment":"positive","sentiment_score":0.5800148248672485},{"word":"the","start":1281.99,"end":1282.1499,"confidence":0.9996532,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.016002684831619263},{"word":"only","start":1282.1499,"end":1282.39,"confidence":0.9999746,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.24079960584640503},{"word":"warning","start":1282.39,"end":1282.63,"confidence":0.9987191,"punctuated_word":"warning","sentiment":"neutral","sentiment_score":-0.25301265716552734},{"word":"i'm","start":1282.63,"end":1282.7899,"confidence":0.99974275,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.13010968267917633},{"word":"gonna","start":1282.7899,"end":1283.0299,"confidence":0.8940254,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.18341302871704104},{"word":"give","start":1283.0299,"end":1283.11,"confidence":0.99847704,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.22288359701633453},{"word":"you","start":1283.11,"end":1283.35,"confidence":0.99863917,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13224749267101288},{"word":"is","start":1283.35,"end":1283.4299,"confidence":0.98091596,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.14016951620578766},{"word":"the","start":1283.4299,"end":1283.59,"confidence":0.9903459,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1413535177707672},{"word":"same","start":1283.59,"end":1283.75,"confidence":0.9995521,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.1802481710910797},{"word":"one","start":1283.75,"end":1283.9099,"confidence":0.97755164,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.18145601451396945},{"word":"i'll","start":1283.9099,"end":1284.07,"confidence":0.9724306,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.1137002557516098},{"word":"give","start":1284.07,"end":1284.1499,"confidence":0.99988294,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.13515053689479828},{"word":"you","start":1284.1499,"end":1284.3099,"confidence":0.9991738,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.056407805532217026},{"word":"when","start":1284.3099,"end":1284.5499,"confidence":0.9981511,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.10184858739376068},{"word":"we","start":1284.5499,"end":1284.63,"confidence":0.99811196,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06561519205570221},{"word":"go","start":1284.63,"end":1284.7899,"confidence":0.99985576,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.05427340045571327},{"word":"through","start":1284.7899,"end":1284.95,"confidence":0.99988544,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.028803303837776184},{"word":"the","start":1284.95,"end":1285.11,"confidence":0.9981773,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10963842272758484},{"word":"document","start":1285.11,"end":1285.61,"confidence":0.9996631,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.04516817629337311},{"word":"is","start":1285.9099,"end":1286.4099,"confidence":0.64503354,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.17650654911994934},{"word":"sometime","start":1286.47,"end":1286.87,"confidence":0.91496426,"punctuated_word":"sometime","sentiment":"neutral","sentiment_score":-0.1907142698764801},{"word":"over","start":1286.87,"end":1287.11,"confidence":0.99869007,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.14475610852241516},{"word":"the","start":1287.11,"end":1287.19,"confidence":0.99972636,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18219521641731265},{"word":"next","start":1287.19,"end":1287.35,"confidence":0.9999137,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.18323402106761932},{"word":"few","start":1287.35,"end":1287.51,"confidence":0.99925965,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.17356254160404205},{"word":"years","start":1287.51,"end":1287.83,"confidence":0.9573419,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.2163745164871216},{"word":"the","start":1287.83,"end":1287.99,"confidence":0.99967074,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.33839544653892517},{"word":"market","start":1287.99,"end":1288.23,"confidence":0.99994683,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.34888696670532227},{"word":"is","start":1288.23,"end":1288.39,"confidence":0.99979645,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2746444344520569},{"word":"probably","start":1288.39,"end":1288.71,"confidence":0.9996051,"punctuated_word":"probably","sentiment":"negative","sentiment_score":-0.3715173602104187},{"word":"gonna","start":1288.71,"end":1288.95,"confidence":0.9756765,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.331892192363739},{"word":"have","start":1288.95,"end":1289.11,"confidence":0.9976332,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.28274890780448914},{"word":"a","start":1289.11,"end":1289.19,"confidence":0.9996106,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2793556749820709},{"word":"bit","start":1289.19,"end":1289.35,"confidence":0.9998679,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.256692111492157},{"word":"of","start":1289.35,"end":1289.51,"confidence":0.9997749,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3077300190925598},{"word":"a","start":1289.51,"end":1289.59,"confidence":0.99834657,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3397899866104126},{"word":"dive","start":1289.59,"end":1289.83,"confidence":0.999295,"punctuated_word":"dive","sentiment":"neutral","sentiment_score":-0.31571781635284424},{"word":"again","start":1289.83,"end":1290.33,"confidence":0.9923779,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.26286637783050537},{"word":"we","start":1290.63,"end":1290.7899,"confidence":0.950422,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.0891246646642685},{"word":"kind","start":1290.7899,"end":1291.0299,"confidence":0.5222745,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.06889748573303223},{"word":"of","start":1291.0299,"end":1291.2699,"confidence":0.99963665,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09174783527851103},{"word":"expect","start":1291.2699,"end":1291.59,"confidence":0.9997013,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.08775380253791809},{"word":"that","start":1291.59,"end":1291.75,"confidence":0.99991035,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07920177280902863},{"word":"with","start":1291.75,"end":1291.99,"confidence":0.99990726,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.10028975456953047},{"word":"what's","start":1291.99,"end":1292.23,"confidence":0.9983885,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.07110579311847687},{"word":"currently","start":1292.23,"end":1292.71,"confidence":0.99976164,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.1314474642276764},{"word":"going","start":1292.71,"end":1292.95,"confidence":0.99974114,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.08828047662973404},{"word":"on","start":1292.95,"end":1293.45,"confidence":0.8518842,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.06823397427797318},{"word":"but","start":1293.625,"end":1293.945,"confidence":0.9994011,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.02586076408624649},{"word":"i'm","start":1293.945,"end":1294.1849,"confidence":0.9997601,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07717634737491608},{"word":"factoring","start":1294.1849,"end":1294.6849,"confidence":0.9999657,"punctuated_word":"factoring","sentiment":"neutral","sentiment_score":0.09359896183013916},{"word":"in","start":1294.825,"end":1295.225,"confidence":0.9993389,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10927987098693848},{"word":"that","start":1295.225,"end":1295.465,"confidence":0.9909423,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12344227731227876},{"word":"we","start":1295.465,"end":1295.625,"confidence":0.9992093,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16854484379291534},{"word":"can","start":1295.625,"end":1295.7849,"confidence":0.9999151,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1587740033864975},{"word":"still","start":1295.7849,"end":1296.025,"confidence":0.9999114,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.11822289973497392},{"word":"get","start":1296.025,"end":1296.1849,"confidence":0.9998516,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1602555513381958},{"word":"you","start":1296.1849,"end":1296.4249,"confidence":0.9995772,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1190606653690338},{"word":"there","start":1296.4249,"end":1296.9249,"confidence":0.9983576,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1100398451089859},{"word":"even","start":1297.065,"end":1297.465,"confidence":0.99648786,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.03705361858010292},{"word":"once","start":1297.465,"end":1297.705,"confidence":0.9994986,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.009816326200962068},{"word":"it","start":1297.705,"end":1297.865,"confidence":0.9996631,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06386855244636536},{"word":"bounces","start":1297.865,"end":1298.345,"confidence":0.99967504,"punctuated_word":"bounces","sentiment":"neutral","sentiment_score":-0.04541172459721565},{"word":"back","start":1298.345,"end":1298.585,"confidence":0.99949765,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.057206060737371445},{"word":"after","start":1298.585,"end":1298.825,"confidence":0.99606544,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.04344235360622406},{"word":"that","start":1298.825,"end":1299.325,"confidence":0.99966294,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.008588794618844986},{"word":"cool","start":1301.3049,"end":1301.705,"confidence":0.98384035,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.1517663300037384},{"word":"so","start":1301.705,"end":1301.865,"confidence":0.9992986,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.018354609608650208},{"word":"the","start":1301.865,"end":1302.025,"confidence":0.99950194,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07757118344306946},{"word":"main","start":1302.025,"end":1302.1849,"confidence":0.99994206,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.1055080220103264},{"word":"thing","start":1302.1849,"end":1302.345,"confidence":0.9997379,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.04236423969268799},{"word":"is","start":1302.345,"end":1302.585,"confidence":0.9664202,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.0848708301782608},{"word":"again","start":1302.585,"end":1302.825,"confidence":0.9998802,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.1641187220811844},{"word":"i","start":1302.825,"end":1302.985,"confidence":0.99991405,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.28871503472328186},{"word":"don't","start":1302.985,"end":1303.145,"confidence":0.99999183,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.25636571645736694},{"word":"want","start":1303.145,"end":1303.385,"confidence":0.9996125,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.27321234345436096},{"word":"you","start":1303.385,"end":1303.5449,"confidence":0.9977864,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.278909832239151},{"word":"dropping","start":1303.5449,"end":1303.945,"confidence":0.9978263,"punctuated_word":"dropping","sentiment":"neutral","sentiment_score":-0.25896334648132324},{"word":"down","start":1303.945,"end":1304.445,"confidence":0.9997267,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.1959685385227203},{"word":"$250,000","start":1304.505,"end":1306.025,"confidence":0.9976549,"punctuated_word":"$250,000","sentiment":"neutral","sentiment_score":-0.15236367285251615},{"word":"in","start":1306.025,"end":1306.105,"confidence":0.9994862,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.218917578458786},{"word":"a","start":1306.105,"end":1306.265,"confidence":0.99990785,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15075364708900452},{"word":"single","start":1306.265,"end":1306.585,"confidence":0.9999844,"punctuated_word":"single","sentiment":"neutral","sentiment_score":-0.1933535635471344},{"word":"year","start":1306.585,"end":1306.825,"confidence":0.99984896,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.1539776176214218},{"word":"because","start":1306.825,"end":1307.065,"confidence":0.9310248,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2841860353946686},{"word":"we've","start":1307.065,"end":1307.3049,"confidence":0.9994016,"punctuated_word":"we've","sentiment":"negative","sentiment_score":-0.33816033601760864},{"word":"left","start":1307.3049,"end":1307.465,"confidence":0.9998709,"punctuated_word":"left","sentiment":"neutral","sentiment_score":-0.33117103576660156},{"word":"you","start":1307.465,"end":1307.625,"confidence":0.9998325,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3950790762901306},{"word":"in","start":1307.625,"end":1307.7849,"confidence":0.8020879,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3799017071723938},{"word":"too","start":1307.7849,"end":1308.025,"confidence":0.927539,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.35012656450271606},{"word":"high","start":1308.025,"end":1308.1849,"confidence":0.99984837,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.3292548358440399},{"word":"risk","start":1308.1849,"end":1308.6849,"confidence":0.9983485,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.30979830026626587},{"word":"for","start":1308.69,"end":1308.85,"confidence":0.99864656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.31003788113594055},{"word":"too","start":1308.85,"end":1309.1699,"confidence":0.99945897,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.30084314942359924},{"word":"long","start":1309.1699,"end":1309.6699,"confidence":0.92294776,"punctuated_word":"long.","sentiment":"neutral","sentiment_score":-0.3041987419128418},{"word":"cool","start":1312.0499,"end":1312.5499,"confidence":0.99717987,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.17346099019050598},{"word":"outside","start":1312.9299,"end":1313.25,"confidence":0.7836946,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":0.07670179754495621},{"word":"of","start":1313.25,"end":1313.33,"confidence":0.99981886,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0008147060871124268},{"word":"that","start":1313.33,"end":1313.49,"confidence":0.99709773,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.016513194888830185},{"word":"mate","start":1313.49,"end":1313.8099,"confidence":0.9773766,"punctuated_word":"mate,","sentiment":"neutral","sentiment_score":0.028332576155662537},{"word":"i","start":1313.8099,"end":1314.2899,"confidence":0.9991059,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0023209452629089355},{"word":"probably","start":1314.2899,"end":1314.69,"confidence":0.905183,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.006201647222042084},{"word":"need","start":1314.69,"end":1314.9299,"confidence":0.9986313,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.00208195298910141},{"word":"a","start":1314.9299,"end":1315.0099,"confidence":0.99978215,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.008038144558668137},{"word":"couple","start":1315.0099,"end":1315.25,"confidence":0.9999275,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.008855223655700684},{"word":"of","start":1315.25,"end":1315.33,"confidence":0.9969644,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0007827132940292358},{"word":"weeks","start":1315.33,"end":1315.49,"confidence":0.9981706,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":-0.007813170552253723},{"word":"i've","start":1315.49,"end":1315.73,"confidence":0.9996266,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.004789702594280243},{"word":"just","start":1315.73,"end":1315.8899,"confidence":0.9998908,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0062292516231536865},{"word":"gotten","start":1315.8899,"end":1316.1299,"confidence":0.9990758,"punctuated_word":"gotten","sentiment":"neutral","sentiment_score":0.01879363134503365},{"word":"back","start":1316.1299,"end":1316.2899,"confidence":0.9998294,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.00122959166765213},{"word":"from","start":1316.2899,"end":1316.5299,"confidence":0.999723,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.010950066149234772},{"word":"paternity","start":1316.5299,"end":1317.0099,"confidence":0.9754744,"punctuated_word":"paternity","sentiment":"neutral","sentiment_score":0.032745618373155594},{"word":"leave","start":1317.0099,"end":1317.25,"confidence":0.955577,"punctuated_word":"leave,","sentiment":"neutral","sentiment_score":0.013846080750226974},{"word":"so","start":1317.25,"end":1317.49,"confidence":0.99932754,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05854174122214317},{"word":"i've","start":1317.49,"end":1317.57,"confidence":0.9348264,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.06233030185103416},{"word":"booked","start":1317.57,"end":1318.0499,"confidence":0.4300184,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.10831855982542038},{"word":"out","start":1318.0499,"end":1318.2899,"confidence":0.9835096,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.055562276393175125},{"word":"at","start":1318.2899,"end":1318.37,"confidence":0.99925464,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02625152468681335},{"word":"the","start":1318.37,"end":1318.5299,"confidence":0.99954444,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.042992327362298965},{"word":"moment","start":1318.5299,"end":1319.0299,"confidence":0.99088156,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.04086809605360031},{"word":"but","start":1321.0249,"end":1321.345,"confidence":0.99921525,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.04951397329568863},{"word":"are","start":1321.345,"end":1321.505,"confidence":0.9926242,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06619320064783096},{"word":"you","start":1321.505,"end":1321.6649,"confidence":0.999936,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.107893668115139},{"word":"okay","start":1321.6649,"end":1321.9049,"confidence":0.9998723,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.11073271930217744},{"word":"if","start":1321.9049,"end":1322.065,"confidence":0.99954635,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1231401264667511},{"word":"the","start":1322.065,"end":1322.225,"confidence":0.9998005,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12325949221849442},{"word":"team","start":1322.225,"end":1322.385,"confidence":0.99991024,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.11715540289878844},{"word":"reaches","start":1322.385,"end":1322.705,"confidence":0.99993,"punctuated_word":"reaches","sentiment":"neutral","sentiment_score":0.1383936107158661},{"word":"out","start":1322.705,"end":1322.865,"confidence":0.99966836,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.119140163064003},{"word":"in","start":1322.865,"end":1323.0249,"confidence":0.99980515,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1169559359550476},{"word":"a","start":1323.0249,"end":1323.1849,"confidence":0.99868375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13250085711479187},{"word":"fortnight","start":1323.1849,"end":1323.505,"confidence":0.99962187,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.11904575675725936},{"word":"and","start":1323.505,"end":1323.585,"confidence":0.9955354,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1443886011838913},{"word":"just","start":1323.585,"end":1323.745,"confidence":0.99931884,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1397181749343872},{"word":"gets","start":1323.745,"end":1323.9049,"confidence":0.97602534,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.12376756966114044},{"word":"you","start":1323.9049,"end":1324.065,"confidence":0.9983248,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12210403382778168},{"word":"booked","start":1324.065,"end":1324.3049,"confidence":0.99984443,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.170002743601799},{"word":"in","start":1324.3049,"end":1324.465,"confidence":0.99019873,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14725914597511292},{"word":"to","start":1324.465,"end":1324.5449,"confidence":0.9996835,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14938928186893463},{"word":"go","start":1324.5449,"end":1324.7849,"confidence":0.9998789,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1508813202381134},{"word":"through","start":1324.7849,"end":1324.945,"confidence":0.99989676,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1930077224969864},{"word":"that","start":1324.945,"end":1325.105,"confidence":0.9994568,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1752007156610489},{"word":"plan","start":1325.105,"end":1325.345,"confidence":0.9998412,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.18909482657909393},{"word":"with","start":1325.345,"end":1325.585,"confidence":0.9999013,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1359294950962067},{"word":"me","start":1325.585,"end":1326.085,"confidence":0.99938726,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.1005680114030838},{"word":"perfect","start":1329.6649,"end":1330.065,"confidence":0.99176466,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4576961696147918},{"word":"perfect","start":1330.065,"end":1330.465,"confidence":0.9993572,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4479196667671203},{"word":"perfect","start":1330.465,"end":1330.965,"confidence":0.99917346,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3767218589782715},{"word":"if","start":1331.0249,"end":1331.265,"confidence":0.7124866,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.2094971388578415},{"word":"there's","start":1331.265,"end":1331.4249,"confidence":0.9991093,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.16903023421764374},{"word":"anything","start":1331.4249,"end":1331.745,"confidence":0.99963164,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.21134665608406067},{"word":"else","start":1331.745,"end":1331.9049,"confidence":0.99963415,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.17652267217636108},{"word":"we","start":1331.9049,"end":1331.985,"confidence":0.9991172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11725468188524246},{"word":"need","start":1331.985,"end":1332.225,"confidence":0.99900603,"punctuated_word":"need,","sentiment":"neutral","sentiment_score":0.14950774610042572},{"word":"we","start":1332.225,"end":1332.385,"confidence":0.99988043,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16443252563476562},{"word":"will","start":1332.385,"end":1332.625,"confidence":0.9998166,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.17817379534244537},{"word":"reach","start":1332.625,"end":1332.865,"confidence":0.9998259,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.17751726508140564},{"word":"out","start":1332.865,"end":1333.105,"confidence":0.8095902,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.14280518889427185},{"word":"but","start":1333.105,"end":1333.265,"confidence":0.9996226,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06261752545833588},{"word":"outside","start":1333.265,"end":1333.6649,"confidence":0.9991948,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.06255058944225311},{"word":"of","start":1333.6649,"end":1333.825,"confidence":0.99991393,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04337970912456513},{"word":"that","start":1333.825,"end":1334.25,"confidence":0.9996752,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.05987895280122757},{"word":"we'll","start":1334.33,"end":1334.49,"confidence":0.9996965,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.08027581870555878},{"word":"send","start":1334.49,"end":1334.65,"confidence":0.99988604,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.12229881435632706},{"word":"you","start":1334.65,"end":1334.73,"confidence":0.99995196,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14421483874320984},{"word":"those","start":1334.73,"end":1335.21,"confidence":0.99993587,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.13656404614448547},{"word":"beneficiary","start":1335.21,"end":1335.71,"confidence":0.9988741,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.1373419463634491},{"word":"forms","start":1335.77,"end":1336.27,"confidence":0.9993453,"punctuated_word":"forms.","sentiment":"neutral","sentiment_score":0.08450595289468765},{"word":"colin","start":1336.49,"end":1336.97,"confidence":0.96504366,"punctuated_word":"Colin,","sentiment":"neutral","sentiment_score":0.04636403918266296},{"word":"do","start":1336.97,"end":1337.13,"confidence":0.99982786,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.029760558158159256},{"word":"you","start":1337.13,"end":1337.21,"confidence":0.9998671,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04456708580255509},{"word":"have","start":1337.21,"end":1337.45,"confidence":0.99983895,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04658199101686478},{"word":"access","start":1337.45,"end":1337.85,"confidence":0.9996138,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.05492395907640457},{"word":"to","start":1337.85,"end":1338.35,"confidence":0.99893993,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06503095477819443},{"word":"a","start":1338.49,"end":1338.81,"confidence":0.9998159,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05174354091286659},{"word":"a","start":1338.81,"end":1338.89,"confidence":0.64830214,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05168530344963074},{"word":"printer","start":1338.89,"end":1339.37,"confidence":0.9998565,"punctuated_word":"printer","sentiment":"neutral","sentiment_score":0.06415034085512161},{"word":"to","start":1339.37,"end":1339.61,"confidence":0.9977775,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04940113052725792},{"word":"print","start":1339.61,"end":1339.85,"confidence":0.999938,"punctuated_word":"print","sentiment":"neutral","sentiment_score":0.047249067574739456},{"word":"out","start":1339.85,"end":1340.01,"confidence":0.9988192,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.058589547872543335},{"word":"the","start":1340.01,"end":1340.17,"confidence":0.9992132,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0542043000459671},{"word":"forms","start":1340.17,"end":1340.41,"confidence":0.9417605,"punctuated_word":"forms,","sentiment":"neutral","sentiment_score":0.04497634619474411},{"word":"or","start":1340.41,"end":1340.57,"confidence":0.9997981,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03471023961901665},{"word":"do","start":1340.57,"end":1340.65,"confidence":0.999376,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.029910903424024585},{"word":"you","start":1340.65,"end":1340.73,"confidence":0.99961984,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03409460932016373},{"word":"want","start":1340.73,"end":1340.81,"confidence":0.9997906,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.0389472171664238},{"word":"me","start":1340.81,"end":1340.97,"confidence":0.99979025,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05455281585454941},{"word":"to","start":1340.97,"end":1341.13,"confidence":0.9995915,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.056770555675029755},{"word":"post","start":1341.13,"end":1341.37,"confidence":0.99984384,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.05558541789650917},{"word":"them","start":1341.37,"end":1341.53,"confidence":0.99965405,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.06552106142044067},{"word":"with","start":1341.53,"end":1341.69,"confidence":0.99967337,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05168963596224785},{"word":"a","start":1341.69,"end":1341.77,"confidence":0.91926736,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05519695952534675},{"word":"return","start":1341.77,"end":1342.17,"confidence":0.9998722,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.0493190735578537},{"word":"envelope","start":1342.17,"end":1342.57,"confidence":0.90289575,"punctuated_word":"envelope?","sentiment":"neutral","sentiment_score":0.04594399780035019},{"word":"well","start":1342.57,"end":1342.73,"confidence":0.76066965,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.11692618578672408},{"word":"it's","start":1342.73,"end":1342.89,"confidence":0.9904323,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.13724982738494873},{"word":"easier","start":1342.89,"end":1343.39,"confidence":0.9969015,"punctuated_word":"easier.","sentiment":"neutral","sentiment_score":0.14233621954917908},{"word":"easy","start":1350.105,"end":1350.345,"confidence":0.9969246,"punctuated_word":"Easy","sentiment":"neutral","sentiment_score":0.3167300820350647},{"word":"done","start":1350.345,"end":1350.745,"confidence":0.94234973,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.27725276350975037},{"word":"and","start":1350.745,"end":1351.245,"confidence":0.9972052,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17722497880458832},{"word":"i'll","start":1352.105,"end":1352.345,"confidence":0.89901865,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.17999260127544403},{"word":"prefill","start":1352.345,"end":1352.745,"confidence":0.73519766,"punctuated_word":"prefill","sentiment":"neutral","sentiment_score":0.20981822907924652},{"word":"them","start":1352.745,"end":1352.985,"confidence":0.9991721,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1586935818195343},{"word":"in","start":1352.985,"end":1353.385,"confidence":0.999652,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16014401614665985},{"word":"with","start":1353.385,"end":1353.545,"confidence":0.99691606,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18716038763523105},{"word":"that","start":1353.545,"end":1353.785,"confidence":0.9992094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23350529372692108},{"word":"binding","start":1353.785,"end":1354.185,"confidence":0.9997867,"punctuated_word":"binding","sentiment":"neutral","sentiment_score":0.20506007969379425},{"word":"nonlapsing","start":1354.185,"end":1354.685,"confidence":0.8201843,"punctuated_word":"nonlapsing","sentiment":"neutral","sentiment_score":0.1453082412481308},{"word":"nomination","start":1354.8251,"end":1355.3251,"confidence":0.99702436,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":0.2033727467060089},{"word":"to","start":1355.545,"end":1355.705,"confidence":0.9993961,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22296297550201416},{"word":"your","start":1355.705,"end":1355.9451,"confidence":0.99944526,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18063348531723025},{"word":"spouse","start":1355.9451,"end":1356.345,"confidence":0.99993825,"punctuated_word":"spouse","sentiment":"neutral","sentiment_score":0.17803944647312164},{"word":"there","start":1356.345,"end":1356.845,"confidence":0.99958825,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.13478949666023254},{"word":"do","start":1358.185,"end":1358.345,"confidence":0.91334856,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.07221560180187225},{"word":"you","start":1358.345,"end":1358.425,"confidence":0.99950886,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06239216029644013},{"word":"want","start":1358.425,"end":1358.585,"confidence":0.9999161,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.06654895097017288},{"word":"me","start":1358.585,"end":1358.8251,"confidence":0.99977916,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.09749232977628708},{"word":"to","start":1358.8251,"end":1359.145,"confidence":0.99945444,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08218000829219818},{"word":"put","start":1359.145,"end":1359.385,"confidence":0.9999161,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.06721897423267365},{"word":"in","start":1359.385,"end":1359.625,"confidence":0.9995685,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07659060508012772},{"word":"her","start":1359.625,"end":1359.9451,"confidence":0.99924636,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.05499747022986412},{"word":"details","start":1359.9451,"end":1360.425,"confidence":0.999316,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.08534996211528778},{"word":"as","start":1360.425,"end":1360.505,"confidence":0.9991171,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07804509997367859},{"word":"well","start":1360.505,"end":1360.745,"confidence":0.99985135,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.07000668346881866},{"word":"in","start":1360.745,"end":1360.95,"confidence":0.99610436,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07320426404476166},{"word":"terms","start":1360.95,"end":1361.4299,"confidence":0.9999492,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.07542923837900162},{"word":"of","start":1361.4299,"end":1361.6699,"confidence":0.9990933,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05090692639350891},{"word":"date","start":1361.6699,"end":1361.83,"confidence":0.95774984,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.06660142540931702},{"word":"of","start":1361.83,"end":1361.99,"confidence":0.9916226,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05305070802569389},{"word":"birth","start":1361.99,"end":1362.23,"confidence":0.99990296,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.057112760841846466},{"word":"and","start":1362.23,"end":1362.3899,"confidence":0.9984326,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07409743964672089},{"word":"everything","start":1362.3899,"end":1362.87,"confidence":0.8176759,"punctuated_word":"everything?","sentiment":"neutral","sentiment_score":0.05025073885917664},{"word":"or","start":1362.87,"end":1363.37,"confidence":0.90999067,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.03868940472602844},{"word":"the","start":1367.9099,"end":1368.23,"confidence":0.90212154,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.049650296568870544},{"word":"only","start":1368.23,"end":1368.47,"confidence":0.99817646,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.0883386880159378},{"word":"one","start":1368.47,"end":1368.59,"confidence":0.99927014,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.07831086963415146},{"word":"i","start":1368.59,"end":1368.71,"confidence":0.99888605,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.097122922539711},{"word":"don't","start":1368.71,"end":1368.95,"confidence":0.99998206,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07607309520244598},{"word":"have","start":1368.95,"end":1369.11,"confidence":0.99986625,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06545132398605347},{"word":"is","start":1369.11,"end":1369.2699,"confidence":0.995509,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09005769342184067},{"word":"the","start":1369.2699,"end":1369.4299,"confidence":0.9983089,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05519043281674385},{"word":"date","start":1369.4299,"end":1369.59,"confidence":0.99984384,"punctuated_word":"date","sentiment":"neutral","sentiment_score":-0.037784237414598465},{"word":"of","start":1369.59,"end":1369.6699,"confidence":0.9950812,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05021636188030243},{"word":"birth","start":1369.6699,"end":1370.1699,"confidence":0.96494234,"punctuated_word":"birth.","sentiment":"neutral","sentiment_score":-0.051570940762758255},{"word":"1984","start":1377.345,"end":1378.305,"confidence":0.99701244,"punctuated_word":"1984.","sentiment":"neutral","sentiment_score":-0.01388163398951292},{"word":"so","start":1378.305,"end":1378.385,"confidence":0.99933726,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04005501791834831},{"word":"we've","start":1378.385,"end":1378.625,"confidence":0.997606,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.06913825869560242},{"word":"got","start":1378.625,"end":1379.125,"confidence":0.99876523,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06745649129152298},{"word":"macneil","start":1379.345,"end":1379.845,"confidence":0.55501956,"punctuated_word":"MacNeil,","sentiment":"neutral","sentiment_score":0.06583907455205917},{"word":"11/29/1984","start":1381.185,"end":1384.405,"confidence":0.98505914,"punctuated_word":"11/29/1984.","sentiment":"neutral","sentiment_score":0.040282245725393295},{"word":"and","start":1385.105,"end":1385.425,"confidence":0.6666656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01390592660754919},{"word":"middle","start":1385.425,"end":1385.745,"confidence":0.99655104,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":0.00755731575191021},{"word":"name","start":1385.745,"end":1386.245,"confidence":0.99790823,"punctuated_word":"name?","sentiment":"neutral","sentiment_score":0.00924195535480976},{"word":"no","start":1388.91,"end":1389.23,"confidence":0.9982901,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.04599040001630783},{"word":"middle","start":1389.23,"end":1389.47,"confidence":0.96101534,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":-0.007660858333110809},{"word":"name","start":1389.47,"end":1389.97,"confidence":0.79357094,"punctuated_word":"name.","sentiment":"neutral","sentiment_score":-0.021380340680480003},{"word":"perfect","start":1391.79,"end":1392.29,"confidence":0.99926543,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5973423719406128},{"word":"alrighty","start":1392.8301,"end":1393.3301,"confidence":0.99870706,"punctuated_word":"Alrighty.","sentiment":"positive","sentiment_score":0.42233049869537354},{"word":"yeah","start":1393.39,"end":1393.55,"confidence":0.93508863,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3287809193134308},{"word":"i","start":1393.55,"end":1393.63,"confidence":0.99978477,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3011072874069214},{"word":"can","start":1393.63,"end":1393.79,"confidence":0.9999387,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2986838221549988},{"word":"get","start":1393.79,"end":1393.87,"confidence":0.99987495,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.33827313780784607},{"word":"that","start":1393.87,"end":1394.03,"confidence":0.99991727,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3034857511520386},{"word":"prefilled","start":1394.03,"end":1394.43,"confidence":0.86485046,"punctuated_word":"prefilled.","sentiment":"positive","sentiment_score":0.3932458758354187},{"word":"no","start":1394.43,"end":1394.59,"confidence":0.9998078,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.23736591637134552},{"word":"worries","start":1394.59,"end":1394.91,"confidence":0.999846,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.13513539731502533},{"word":"at","start":1394.91,"end":1394.99,"confidence":0.99975485,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1754322350025177},{"word":"all","start":1394.99,"end":1395.49,"confidence":0.9997166,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.26290223002433777},{"word":"no","start":1398.525,"end":1398.685,"confidence":0.9983442,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.31034043431282043},{"word":"worries","start":1398.685,"end":1399.165,"confidence":0.99966043,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.4299594163894654},{"word":"thank","start":1399.165,"end":1399.3251,"confidence":0.9998779,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6319830417633057},{"word":"you","start":1399.3251,"end":1399.485,"confidence":0.99885,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7235050797462463},{"word":"for","start":1399.485,"end":1399.645,"confidence":0.9641474,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6623087525367737},{"word":"yours","start":1399.645,"end":1399.9651,"confidence":0.97908026,"punctuated_word":"yours,","sentiment":"positive","sentiment_score":0.6402961015701294},{"word":"colin","start":1399.9651,"end":1400.365,"confidence":0.7126622,"punctuated_word":"Colin,","sentiment":"positive","sentiment_score":0.6037079095840454},{"word":"and","start":1400.365,"end":1400.525,"confidence":0.99947256,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5720361471176147},{"word":"i","start":1400.525,"end":1400.685,"confidence":0.9999039,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.60042405128479},{"word":"will","start":1400.685,"end":1400.8451,"confidence":0.99995685,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.4877398610115051},{"word":"speak","start":1400.8451,"end":1401.005,"confidence":0.999913,"punctuated_word":"speak","sentiment":"positive","sentiment_score":0.553562343120575},{"word":"to","start":1401.005,"end":1401.165,"confidence":0.9977477,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4831078052520752},{"word":"you","start":1401.165,"end":1401.245,"confidence":0.99764377,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4482947587966919},{"word":"in","start":1401.245,"end":1401.3251,"confidence":0.9995821,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3557583689689636},{"word":"a","start":1401.3251,"end":1401.405,"confidence":0.99967706,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5217514038085938},{"word":"couple","start":1401.405,"end":1401.645,"confidence":0.9999089,"punctuated_word":"couple","sentiment":"positive","sentiment_score":0.34046587347984314},{"word":"of","start":1401.645,"end":1401.805,"confidence":0.9961434,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.527831494808197},{"word":"weeks","start":1401.805,"end":1402.305,"confidence":0.99977434,"punctuated_word":"weeks.","sentiment":"positive","sentiment_score":0.5202834606170654},{"word":"alrighty","start":1404.925,"end":1405.405,"confidence":0.9961674,"punctuated_word":"Alrighty,","sentiment":"positive","sentiment_score":0.4675229489803314},{"word":"man","start":1405.405,"end":1405.645,"confidence":0.95113736,"punctuated_word":"man.","sentiment":"positive","sentiment_score":0.5861178636550903},{"word":"have","start":1405.645,"end":1405.805,"confidence":0.99982953,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.7017055749893188},{"word":"a","start":1405.805,"end":1405.885,"confidence":0.999728,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6748653650283813},{"word":"great","start":1405.885,"end":1406.125,"confidence":0.99997103,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.7912534475326538},{"word":"day","start":1406.125,"end":1406.285,"confidence":0.99994785,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.47454625368118286},{"word":"thank","start":1406.285,"end":1406.4451,"confidence":0.9999331,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6425918340682983},{"word":"you","start":1406.4451,"end":1406.605,"confidence":0.9999664,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7379106879234314},{"word":"so","start":1406.605,"end":1406.765,"confidence":0.9997751,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7363346815109253},{"word":"much","start":1406.765,"end":1407.265,"confidence":0.9999289,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.7023650407791138},{"word":"bye","start":1409.165,"end":1409.665,"confidence":0.9857911,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.11348368972539902}],"paragraphs":{"transcript":"\nGood day, Colin. Tommy here from Oakview Financial senior adviser. How are you doing? Yeah. It's Tommy.\n\nHow are you doing? Mate, I can hear you loud and clear. How am I coming on your end? Okay. No worries.\n\nDo you mind if I go through and update a few details with you while you're driving? Perfect, mate. So I've got a bit of an annual review pack to send through to your email. Before I do that, could you just confirm your date of birth and address for security for me, Carl? Yep.\n\nFantastic. Thank you for that, mate. And you okay for the call to be recorded? Amazing. Amazing.\n\nSo I'm gonna pop this through. I know you're driving, so I'm just gonna make sure this is through to your email address. I'm assuming your y seven mail is still okay? Perfect. So what's coming through to you today is just a bit of an updated report from your hub twenty four.\n\nThey've got a bit more of a fancier report these days, but easier on the eyes than the old ones. And we've got some updated financial services guides and agreements for Oakview as well there, mate. Okay? Cool. Now in particular, is there anything you would like me to focus on for this review?\n\nAnything in particular you're hoping to get out of this conversation? Fantastic. So just while I've got you in the car, I'm gonna go through a couple details because we've got a new system now custom built for us. Just make sure the details match if that's alright. Perfect.\n\nSo we've got phone, email, and address is all correct. We had you married with two children and electrician for DP World. Now I'm assuming based on the contributions I'm seeing that your income's probably gone up to about 200,000 for the year. Does that sound about right? Yep.\n\nOkay. I'll go for $1.90 to be a bit conservative to start with. Sensational. And the only other thing I wanted to quickly check with you just in terms of assets and liabilities, Cole, we had your home, two cars, an offset account, and a home in Samoa. Now with the home, we had you owing about 305,000 at the time, and that was a pretty big focus for you to pay off.\n\nHave you put a chunk out of that so far? Awesome. And now you've got a few more rentals to go? Or oh, perfect. Okay.\n\nAnd I'm gonna get a bit of an updated online valuation here because the market's changed a little bit. Not so much out your way, but they're they're still saying around about that 715,000 mark. Perfect. Thank you for that. Two cars.\n\nWe had about 15,000 in the offset. Did you use most of that for the renos, or have you managed to build your savings? Yep. Sensational. And outside of the home in Samoa there, any other loans or assets you picked up since we last spoke to you?\n\nSo you've got one that's $3,538,000. I think we had a combined of two vehicles of about 60. Is the other one worth about 25? Yes. Okay.\n\nThat's perfect. Thank you for that. Alrighty. And nothing else floating around, loans or assets? Amazing.\n\nThank you heaps for that. And, mate, did you get a end up getting, like, a will in place since we last spoke to you? No. That's fair enough, mate. It's usually in the back of people's minds, so yearly reminder at some point.\n\nOh, yeah? Cool. So if it's easy for you, because I know when you've got assets between countries, probably better off to talk to a lawyer as point number one. You've got the public trust in courthouse of the state can also do wills. And if you wanna go that way, you can get a kit from the post office for $25, but they're very basic.\n\nOkay? The one thing I wanted to sort out for you today as well was just in terms of beneficiaries for the super. Because once we moved you across from Netwealth into the hub, I just wanna make sure that that's been put in place. I'm assuming you would you're trying to put your wife on there as the beneficiary for the super. Is that correct?\n\nYeah. So kids in a will is at any point. When it comes to beneficiaries of your super, if you include someone who's under 18, then if they get the money, whoever's their guardian looks after the funds on their behalf. So it's a bit easier to go to, like, a spouse because then it's all kind of tax free. Whereas when they're over 18, they're no longer a tax dependent, so they cop a little bit on there.\n\nOkay. So I will have to send you out a form to get that witnessed for it to be on the hub. Is that okay? Cool. I'll get that all that prefilled for you.\n\nWe'll do a nice clean binding legally binding nomination. And do you want it to expire every three years or just have it continuous until you change it? Easy done. Because that way I can kind of prefill most of the details for you, and then it's just getting it witnessed. Beautiful.\n\nNow when it comes to the super day call, do you usually log in and check-in Netwealth or your hub away, or do you usually just wait for the reviews? Perfect. And do you tie kind of marry it up with whatever's going on in the news at the time? Or yeah. Absolutely.\n\nYou've had a pretty good run of it, thankfully, because I know that the team puts you in a bit better of a portfolio when they switched you across the hub, so it hasn't gone into the negative like the previous one. It's still up. I think you you've gone from $683,000 to $7.33, including your contributions and your growth. So there's been about $30 worth of net growth on top of your contributions in there. So it's still growing, but it's definitely had a bit of a slow year compared to last year.\n\nPerfect. Two things I wanted to talk to you about. So one thing in terms of risk level, because I had you with retiring around age 60, you hit your preservation age. You're wanting to retire pretty early. Does that sound right?\n\nAbsolutely. So I wanna have a little bit of a a careful talk about risk level because what's essentially gonna happen is you're in a growth portfolio. You're a four out of five at this point, just above medium. Now growth portfolio is great. You get your nine to 12% average returns.\n\nWe love that double digits are great. You're in your last period of getting that growth because each year, you could be 800,900 then a million all in a few years' time. Does that make sense? But at the same time, if the market crashes and the world explodes, I don't want you to drop down to 500,000 all of a sudden, and then you've got to wait another five years to retire. Do you know what I mean?\n\nSo I kinda call that the sequencing risk where it's like, it's all good to get the returns now, but if you're a day off retirement, you probably don't wanna be too high risk. So in terms of risk level, I was gonna talk to you about whether we stay growth or whether we just drop it down a peg into the middle, go a bit more medium with it, but it depends on how much you're wanting for that retirement income. So the question I've got is the mortgage, how close do you reckon you're gonna be to kind of knocking that out over the next few years? Yep. Yep.\n\nThen that would be good. You can kind of finish off the mortgage and have that left over to live off. Perfect. Perfect. So what that'll kind of do, let's say you get there and there's a well, let's say worst case scenario, you've still got a couple $100 owing on the mortgage and you hit a million and you trim 200 off, that 800,000 is gonna be paying you somewhere between 40 to 80,000 tax free, and that's, like, enough to go past life expectancy.\n\nSo that thousand dollars a week, $1,500 a week, that kind of thing with the mortgage paid down. K. How's that sounding for you? Okay. Perfect.\n\nNow when you're in a growth portfolio, I usually recommend that if you're if you're staring at more like seven to eight years. If we're still possibly looking at that three or four, we might be cutting it a bit tight in terms of risk level. So what I wanted to talk to you about today so I'll give you a bit of an example. You've got about 24,000 going in in contributions before tax. So let's just say you've got $7.33, and you add in that sort of 19,000 after tax.\n\nAnd let's say you only get, like, a seven and a half percent return, like a medium balance one, that'll kinda get you more like a $9.50, $9.60 mark. K? That's by taking a a lower level of risk than what you're currently doing. So whether you wanted to maybe just go down that one peg and then whether it's 60 or 61, we just kind of decide together when to pull the trigger based on, you know, when you get that last really good jump in the markets, you just take the winnings and kind of convert it over into a pension after that. Yeah.\n\nThat's kind of what I would advise. Like, if it's the difference between a twelve month difference in retirement versus potentially having to wait four years for it to bounce back from a market crash, I would kind of be looking towards the former. Okay. Cool. Again, we don't wanna get all this growth and lose it all at the end point, so I think that would be pretty prudent.\n\nAt the same time, though, the other thing I wanted to do is we're looking at a few investments. I've just gotten back talking to the investment committee and a few different seminars with some fund managers, and we've found some really good funds that are a little bit lower fees. So what I'm thinking is if I lower down the risk level a little bit, we could also maybe lower your investment fees. And there's, I think, out of the eight funds that you've got, one of them has not been doing so well. So if I do a bit of an engine tune up and switch that guy out, I could probably bump up the returns a little bit too.\n\nPerfect. So I can put that together as a bit of a updated projections for you and kind of show you what that retirement looks like. Now in terms of the mortgages and the contributions, are you making any extra repayments on the mortgage or pulling funds in the offset, or is it just the standard monthly? Perfect. Do you know around about how much your fortnightly repayments are?\n\nJust so I can include that in the projections. Yep. Okay. That'll help me just project out what's gonna be left over on that liability for you. And in terms of the contributions, do you want me to model it on just what your employer's putting in?\n\nAre you looking at doing a bit of salary sacrifice? What's your thoughts on that side? You're right. Yeah. It's gone up to 32 and a half, which works out to be about $3.26 a fortnight for you.\n\nAnd whenever I do that, I like to go a bit more conservative with it. So safely, 300 a fortnight or less. Okay. Alright. Now just so your own like, I know you've done it before, but that 200, if we go off the standard kind of tax thing, probably costs you about 140 in the hand for that pretax contribution.\n\nSo if you want, I can at least just model that and show you the difference that that makes over the next few years of doing that 200 a fortnight. Yep. Alrighty. So I'll mix that in. That's looking pretty good too.\n\nSo the aim of the game basically is I wanna drop down the risk level a little bit, drop down the fees a little bit, improve the contributions, and switch out some of the investments that aren't doing as well as the other ones, and that should get you a really good outcome for the next few years. Perfect. So I will get the team to research that and put together an updated plan. I'm gonna do a bit of a retirement analysis to show you kind of once you pay off the mortgage, how long the funds are gonna last based on that thousand to 1,500 a week after tax. Alrighty.\n\nAny questions on that so far? I know I'm still gonna put the plan together, but do you like what what we're leaning towards? Perfect. Well, that's my job, mate, is to guide you nice and safely into port for the next few years and then send you away within a low half flowers around your neck, and you can send us some photos back. Oh, no.\n\nThat's right. You are in the port. That's fantastic. I didn't mean that pun, but worked out pretty well. Alrighty.\n\nSo, mate, anything else that I can do for you today? You can do that, but as an adviser, I have to advise you to wait until you see the document first because it's kind of that wants you to implement the advice before I've shown you. But if you feel confident and safe that you've done it before, by all means. Yeah. Yep.\n\nAnd see if it's worth it in terms of an impact to to bother. Amazing. I know there's probably not any need to do anything insurance wise. Just wanted to ask the question if you were wanting me to look at anything insurances wise or just focus on the retirement. Yep.\n\nYeah. And that'll clear the mortgage. It'll have a whole bunch left over. Like, you use insurance to cover the deficit of the assets that you don't have. Now that you've got the assets, do you need it?\n\nAnd the last thing you probably want is another $10,000 coming out of your super and additional fees for something that you don't necessarily need. Yeah. And you can get a policy for everything these days. Absolutely. So between the wills, the beneficiaries, the portfolio, and everything, that's all looking pretty good.\n\nAlrighty. Outside of that, inside that pack I've sent you, it's just got the updated service agreement to remain advisers on hub twenty four if you're still comfortable with the services. Just bear in mind two little things. First of all, you are well and truly above our cap, which is 600,000 in terms of the fees. So the 1.65% caps at 600,000.\n\nYou're well and truly above that, so it's flat at this point. Next year, Colin, we are bringing in tiered fee structures. So for everyone above 200,000, we're gonna start dropping and giving some percentage discounts to everybody. So I'll leave that as the current agreement for the twelve months, but next time I speak to you after that, we'll go through that new update once we've got all the the guides and legal documents written up. Perfect.\n\nAlright. That's pretty much everything I needed so far. Anything else I can help you with before I let you enjoy your day picking up your daughter? Yeah. That's half our job, Colton.\n\nIt's just good reminder and just to get that little bit of movement going where people otherwise wouldn't. But leave it with me. I'll put together a nice, beautiful plan for you. We'll get everything kind of moving smoothly in towards that port. And like I said, drop the risk down, drop the fees, get the performance up a little bit, and you should be having a good few years.\n\nThe only warning I'm gonna give you is the same one I'll give you when we go through the document is sometime over the next few years, the market is probably gonna have a bit of a dive again. We kind of expect that with what's currently going on, but I'm factoring in that we can still get you there even once it bounces back after that. Cool. So the main thing is, again, I don't want you dropping down $250,000 in a single year because we've left you in too high risk for too long. Cool.\n\nOutside of that, mate, I probably need a couple of weeks. I've just gotten back from paternity leave, so I've booked out at the moment. But are you okay if the team reaches out in a fortnight and just gets you booked in to go through that plan with me? Perfect. Perfect.\n\nPerfect. If there's anything else we need, we will reach out. But outside of that, we'll send you those beneficiary forms. Colin, do you have access to a a printer to print out the forms, or do you want me to post them with a return envelope? Well, it's easier.\n\nEasy done. And I'll prefill them in with that binding nonlapsing nomination to your spouse there. Do you want me to put in her details as well in terms of date of birth and everything? Or the only one I don't have is the date of birth. 1984.\n\nSo we've got MacNeil, 11/29/1984. And middle name? No middle name. Perfect. Alrighty.\n\nYeah. I can get that prefilled. No worries at all. No worries. Thank you for yours, Colin, and I will speak to you in a couple of weeks.\n\nAlrighty, man. Have a great day. Thank you so much. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Colin.","start":2.72,"end":3.4399998,"sentiment":"positive","sentiment_score":0.37888946135838825},{"text":"Tommy here from Oakview Financial senior adviser.","start":3.4399998,"end":5.68,"sentiment":"neutral","sentiment_score":0.2733976755823408},{"text":"How are you doing?","start":5.68,"end":6.5,"sentiment":"neutral","sentiment_score":0.221475038677454},{"text":"Yeah.","start":8.88,"end":9.12,"sentiment":"neutral","sentiment_score":0.03552959859371185},{"text":"It's Tommy.","start":9.12,"end":9.599999,"sentiment":"neutral","sentiment_score":0.06414341181516647}],"sentiment":"neutral","sentiment_score":0.24118639353443594,"num_words":17,"start":2.72,"end":9.599999},{"sentences":[{"text":"How are you doing?","start":9.599999,"end":10.5,"sentiment":"neutral","sentiment_score":0.10412861779332161},{"text":"Mate, I can hear you loud and clear.","start":18.095001,"end":19.615,"sentiment":"neutral","sentiment_score":0.03126157005317509},{"text":"How am I coming on your end?","start":19.615,"end":21.315,"sentiment":"neutral","sentiment_score":0.009584290640694755},{"text":"Okay.","start":30.990002,"end":31.310001,"sentiment":"neutral","sentiment_score":0.09714768826961516},{"text":"No worries.","start":31.310001,"end":31.87,"sentiment":"neutral","sentiment_score":0.10715735703706741}],"sentiment":"neutral","sentiment_score":0.04750724856487729,"num_words":22,"start":9.599999,"end":31.87},{"sentences":[{"text":"Do you mind if I go through and update a few details with you while you're driving?","start":31.87,"end":35.25,"sentiment":"neutral","sentiment_score":0.06963259441887631},{"text":"Perfect, mate.","start":37.565,"end":38.204998,"sentiment":"positive","sentiment_score":0.4895149767398834},{"text":"So I've got a bit of an annual review pack to send through to your email.","start":38.204998,"end":41.344997,"sentiment":"neutral","sentiment_score":0.2422222252935171},{"text":"Before I do that, could you just confirm your date of birth and address for security for me, Carl?","start":41.565,"end":47.425,"sentiment":"neutral","sentiment_score":0.10680861888747466},{"text":"Yep.","start":51.58,"end":52.08,"sentiment":"neutral","sentiment_score":0.059125274419784546}],"sentiment":"neutral","sentiment_score":0.14776052175597712,"num_words":55,"start":31.87,"end":52.08},{"sentences":[{"text":"Fantastic.","start":57.58,"end":58.08,"sentiment":"positive","sentiment_score":0.5954493284225464},{"text":"Thank you for that, mate.","start":58.14,"end":58.940002,"sentiment":"positive","sentiment_score":0.6310942530632019},{"text":"And you okay for the call to be recorded?","start":58.940002,"end":60.800003,"sentiment":"neutral","sentiment_score":0.15406977385282516},{"text":"Amazing.","start":63.325,"end":63.725002,"sentiment":"positive","sentiment_score":0.43997177481651306},{"text":"Amazing.","start":63.725002,"end":64.125,"sentiment":"positive","sentiment_score":0.3993757963180542}],"sentiment":"positive","sentiment_score":0.3515821252675617,"num_words":17,"start":57.58,"end":64.125},{"sentences":[{"text":"So I'm gonna pop this through.","start":64.125,"end":65.325,"sentiment":"neutral","sentiment_score":0.1870370035370191},{"text":"I know you're driving, so I'm just gonna make sure this is through to your email address.","start":65.325,"end":69.025,"sentiment":"neutral","sentiment_score":0.11455273365273196},{"text":"I'm assuming your y seven mail is still okay?","start":69.325,"end":71.745,"sentiment":"neutral","sentiment_score":0.056034705291191735},{"text":"Perfect.","start":73.899994,"end":74.21999,"sentiment":"neutral","sentiment_score":0.29790830612182617},{"text":"So what's coming through to you today is just a bit of an updated report from your hub twenty four.","start":74.21999,"end":79.03999,"sentiment":"neutral","sentiment_score":0.1714094750583172}],"sentiment":"neutral","sentiment_score":0.13773638958919723,"num_words":53,"start":64.125,"end":79.03999},{"sentences":[{"text":"They've got a bit more of a fancier report these days, but easier on the eyes than the old ones.","start":79.259995,"end":84.079994,"sentiment":"neutral","sentiment_score":0.20020325630903243},{"text":"And we've got some updated financial services guides and agreements for Oakview as well there, mate.","start":84.21999,"end":90.325005,"sentiment":"neutral","sentiment_score":0.18197451531887054},{"text":"Okay?","start":90.325005,"end":90.825005,"sentiment":"neutral","sentiment_score":0.11169078946113586},{"text":"Cool.","start":92.325005,"end":92.645004,"sentiment":"neutral","sentiment_score":0.21547645330429077},{"text":"Now in particular, is there anything you would like me to focus on for this review?","start":92.645004,"end":96.405,"sentiment":"neutral","sentiment_score":0.10865352349355817}],"sentiment":"neutral","sentiment_score":0.1663200183323136,"num_words":54,"start":79.259995,"end":96.405},{"sentences":[{"text":"Anything in particular you're hoping to get out of this conversation?","start":96.405,"end":98.905,"sentiment":"neutral","sentiment_score":0.05787187679247423},{"text":"Fantastic.","start":109.3,"end":109.8,"sentiment":"positive","sentiment_score":0.7408673763275146},{"text":"So just while I've got you in the car, I'm gonna go through a couple details because we've got a new system now custom built for us.","start":110.18,"end":116.345,"sentiment":"neutral","sentiment_score":0.15502962097525597},{"text":"Just make sure the details match if that's alright.","start":116.345,"end":118.525,"sentiment":"neutral","sentiment_score":0.07246610066956943},{"text":"Perfect.","start":120.105,"end":120.505,"sentiment":"positive","sentiment_score":0.4538341760635376}],"sentiment":"neutral","sentiment_score":0.1361078952952307,"num_words":49,"start":96.405,"end":120.505},{"sentences":[{"text":"So we've got phone, email, and address is all correct.","start":120.505,"end":123.405,"sentiment":"neutral","sentiment_score":0.17636440992355346},{"text":"We had you married with two children and electrician for DP World.","start":123.705,"end":129.725,"sentiment":"neutral","sentiment_score":0.08253946620970964},{"text":"Now I'm assuming based on the contributions I'm seeing that your income's probably gone up to about 200,000 for the year.","start":131.32,"end":137.72,"sentiment":"neutral","sentiment_score":0.05651059799960682},{"text":"Does that sound about right?","start":137.72,"end":139.1,"sentiment":"neutral","sentiment_score":0.044892773032188416},{"text":"Yep.","start":147.895,"end":148.21501,"sentiment":"neutral","sentiment_score":0.0713629424571991}],"sentiment":"neutral","sentiment_score":0.08646259304820275,"num_words":49,"start":120.505,"end":148.21501},{"sentences":[{"text":"Okay.","start":148.21501,"end":148.535,"sentiment":"neutral","sentiment_score":0.08446073532104492},{"text":"I'll go for $1.90 to be a bit conservative to start with.","start":148.535,"end":151.675,"sentiment":"neutral","sentiment_score":0.0981280750905474},{"text":"Sensational.","start":153.175,"end":153.675,"sentiment":"neutral","sentiment_score":0.11624743789434432},{"text":"And the only other thing I wanted to quickly check with you just in terms of assets and liabilities, Cole, we had your home, two cars, an offset account, and a home in Samoa.","start":154.47,"end":164.49,"sentiment":"neutral","sentiment_score":0.014706288190448986},{"text":"Now with the home, we had you owing about 305,000 at the time, and that was a pretty big focus for you to pay off.","start":166.485,"end":172.82501,"sentiment":"neutral","sentiment_score":-0.006039528399705887}],"sentiment":"neutral","sentiment_score":0.0236612419559531,"num_words":73,"start":148.21501,"end":172.82501},{"sentences":[{"text":"Have you put a chunk out of that so far?","start":172.88501,"end":175.545,"sentiment":"neutral","sentiment_score":0.01494013424962759},{"text":"Awesome.","start":192.115,"end":192.595,"sentiment":"neutral","sentiment_score":0.27110934257507324},{"text":"And now you've got a few more rentals to go?","start":192.595,"end":194.595,"sentiment":"neutral","sentiment_score":0.04971371591091156},{"text":"Or oh, perfect.","start":194.595,"end":199.315,"sentiment":"neutral","sentiment_score":0.09951878587404887},{"text":"Okay.","start":199.315,"end":199.815,"sentiment":"neutral","sentiment_score":0.07100842893123627}],"sentiment":"neutral","sentiment_score":0.05148850522935391,"num_words":25,"start":172.88501,"end":199.815},{"sentences":[{"text":"And I'm gonna get a bit of an updated online valuation here because the market's changed a little bit.","start":200.115,"end":205.35,"sentiment":"neutral","sentiment_score":0.02927454482567938},{"text":"Not so much out your way, but they're they're still saying around about that 715,000 mark.","start":205.59001,"end":211.61,"sentiment":"neutral","sentiment_score":-0.039326684665866196},{"text":"Perfect.","start":225.045,"end":225.545,"sentiment":"neutral","sentiment_score":0.2935205101966858},{"text":"Thank you for that.","start":225.685,"end":226.82501,"sentiment":"positive","sentiment_score":0.5657121986150742},{"text":"Two cars.","start":227.52501,"end":228.085,"sentiment":"neutral","sentiment_score":0.0022092125145718455}],"sentiment":"neutral","sentiment_score":0.05923278873143274,"num_words":42,"start":200.115,"end":228.085},{"sentences":[{"text":"We had about 15,000 in the offset.","start":228.085,"end":229.925,"sentiment":"neutral","sentiment_score":0.010475206255380596},{"text":"Did you use most of that for the renos, or have you managed to build your savings?","start":229.925,"end":233.34,"sentiment":"neutral","sentiment_score":0.008600968210136188},{"text":"Yep.","start":237.34,"end":237.84,"sentiment":"neutral","sentiment_score":0.017804374918341637},{"text":"Sensational.","start":237.98,"end":238.48,"sentiment":"neutral","sentiment_score":0.006298494525253773},{"text":"And outside of the home in Samoa there, any other loans or assets you picked up since we last spoke to you?","start":239.01999,"end":245.355,"sentiment":"neutral","sentiment_score":0.003080830591815439}],"sentiment":"neutral","sentiment_score":0.006488000954656552,"num_words":48,"start":228.085,"end":245.355},{"sentences":[{"text":"So you've got one that's $3,538,000.","start":267.13,"end":269.94998,"sentiment":"neutral","sentiment_score":-0.007382723658035199},{"text":"I think we had a combined of two vehicles of about 60.","start":270.495,"end":273.475,"sentiment":"neutral","sentiment_score":-0.006864613387733698},{"text":"Is the other one worth about 25?","start":273.535,"end":275.315,"sentiment":"neutral","sentiment_score":-0.00868615328467318},{"text":"Yes.","start":293.71,"end":294.21,"sentiment":"neutral","sentiment_score":0.0954170823097229},{"text":"Okay.","start":294.27,"end":294.77,"sentiment":"neutral","sentiment_score":0.2100376337766647}],"sentiment":"neutral","sentiment_score":0.004369627425654066,"num_words":27,"start":267.13,"end":294.77},{"sentences":[{"text":"That's perfect.","start":294.83,"end":295.72998,"sentiment":"positive","sentiment_score":0.5509267747402191},{"text":"Thank you for that.","start":295.78998,"end":296.84998,"sentiment":"positive","sentiment_score":0.623372808098793},{"text":"Alrighty.","start":297.215,"end":297.61502,"sentiment":"neutral","sentiment_score":0.15370404720306396},{"text":"And nothing else floating around, loans or assets?","start":297.61502,"end":300.035,"sentiment":"neutral","sentiment_score":0.013873263378627598},{"text":"Amazing.","start":302.33502,"end":302.83502,"sentiment":"neutral","sentiment_score":0.1801210641860962}],"sentiment":"neutral","sentiment_score":0.25250975001836196,"num_words":16,"start":294.83,"end":302.83502},{"sentences":[{"text":"Thank you heaps for that.","start":302.89502,"end":303.935,"sentiment":"positive","sentiment_score":0.4034545361995697},{"text":"And, mate, did you get a end up getting, like, a will in place since we last spoke to you?","start":303.935,"end":308.435,"sentiment":"neutral","sentiment_score":0.05084112081676721},{"text":"No.","start":311.71,"end":311.94998,"sentiment":"neutral","sentiment_score":-0.1116904765367508},{"text":"That's fair enough, mate.","start":311.94998,"end":312.83,"sentiment":"neutral","sentiment_score":-0.05816444521769881},{"text":"It's usually in the back of people's minds, so yearly reminder at some point.","start":312.83,"end":317.00998,"sentiment":"neutral","sentiment_score":-0.05163436622491905}],"sentiment":"neutral","sentiment_score":0.044701493472199545,"num_words":44,"start":302.89502,"end":317.00998},{"sentences":[{"text":"Oh, yeah?","start":320.59,"end":321.33,"sentiment":"neutral","sentiment_score":-0.06649538315832615},{"text":"Cool.","start":326.52502,"end":326.765,"sentiment":"neutral","sentiment_score":0.1964859664440155},{"text":"So if it's easy for you, because I know when you've got assets between countries, probably better off to talk to a lawyer as point number one.","start":326.765,"end":334.545,"sentiment":"neutral","sentiment_score":0.11496697035100725},{"text":"You've got the public trust in courthouse of the state can also do wills.","start":335.21,"end":339.63,"sentiment":"neutral","sentiment_score":0.13092203172189848},{"text":"And if you wanna go that way, you can get a kit from the post office for $25, but they're very basic.","start":340.00998,"end":345.78998,"sentiment":"neutral","sentiment_score":0.1245558417656205}],"sentiment":"neutral","sentiment_score":0.11728394488719376,"num_words":66,"start":320.59,"end":345.78998},{"sentences":[{"text":"Okay?","start":348.105,"end":348.605,"sentiment":"neutral","sentiment_score":0.0655776709318161},{"text":"The one thing I wanted to sort out for you today as well was just in terms of beneficiaries for the super.","start":348.745,"end":353.385,"sentiment":"neutral","sentiment_score":0.06324820813130248},{"text":"Because once we moved you across from Netwealth into the hub, I just wanna make sure that that's been put in place.","start":353.385,"end":358.98,"sentiment":"neutral","sentiment_score":0.06040352743796327},{"text":"I'm assuming you would you're trying to put your wife on there as the beneficiary for the super.","start":359.46002,"end":364.18002,"sentiment":"neutral","sentiment_score":0.062412571575906545},{"text":"Is that correct?","start":364.18002,"end":364.92,"sentiment":"neutral","sentiment_score":0.06050668408473333}],"sentiment":"neutral","sentiment_score":0.06198276051630577,"num_words":66,"start":348.105,"end":364.92},{"sentences":[{"text":"Yeah.","start":370.42,"end":370.92,"sentiment":"neutral","sentiment_score":0.00672796368598938},{"text":"So kids in a will is at any point.","start":378.595,"end":381.735,"sentiment":"neutral","sentiment_score":0.006743116511238946},{"text":"When it comes to beneficiaries of your super, if you include someone who's under 18, then if they get the money, whoever's their guardian looks after the funds on their behalf.","start":383.33002,"end":393.03,"sentiment":"neutral","sentiment_score":0.06001983444777227},{"text":"So it's a bit easier to go to, like, a spouse because then it's all kind of tax free.","start":398.465,"end":403.525,"sentiment":"neutral","sentiment_score":0.14469107318865626},{"text":"Whereas when they're over 18, they're no longer a tax dependent, so they cop a little bit on there.","start":403.905,"end":408.36,"sentiment":"neutral","sentiment_score":0.10534928543002982}],"sentiment":"neutral","sentiment_score":0.0845417429610521,"num_words":79,"start":370.42,"end":408.36},{"sentences":[{"text":"Okay.","start":413.4,"end":413.8,"sentiment":"neutral","sentiment_score":0.09521149098873138},{"text":"So I will have to send you out a form to get that witnessed for it to be on the hub.","start":413.8,"end":418.59998,"sentiment":"neutral","sentiment_score":0.09051779302812758},{"text":"Is that okay?","start":418.59998,"end":419.41998,"sentiment":"neutral","sentiment_score":0.05887709309657415},{"text":"Cool.","start":421.175,"end":421.415,"sentiment":"positive","sentiment_score":0.5788842439651489},{"text":"I'll get that all that prefilled for you.","start":421.415,"end":423.435,"sentiment":"positive","sentiment_score":0.5281993858516216}],"sentiment":"neutral","sentiment_score":0.20521163984256632,"num_words":34,"start":413.4,"end":423.435},{"sentences":[{"text":"We'll do a nice clean binding legally binding nomination.","start":423.575,"end":427.355,"sentiment":"positive","sentiment_score":0.5058181020948622},{"text":"And do you want it to expire every three years or just have it continuous until you change it?","start":427.815,"end":432.39,"sentiment":"neutral","sentiment_score":0.099259402602911},{"text":"Easy done.","start":436.87003,"end":437.35,"sentiment":"positive","sentiment_score":0.5316498875617981},{"text":"Because that way I can kind of prefill most of the details for you, and then it's just getting it witnessed.","start":437.35,"end":441.93002,"sentiment":"positive","sentiment_score":0.3376057296991348},{"text":"Beautiful.","start":444.645,"end":445.125,"sentiment":"positive","sentiment_score":0.6792435646057129}],"sentiment":"neutral","sentiment_score":0.2936645236869271,"num_words":52,"start":423.575,"end":445.125},{"sentences":[{"text":"Now when it comes to the super day call, do you usually log in and check-in Netwealth or your hub away, or do you usually just wait for the reviews?","start":445.125,"end":452.105,"sentiment":"neutral","sentiment_score":0.00006764760861794154},{"text":"Perfect.","start":461.94,"end":462.42,"sentiment":"positive","sentiment_score":0.4967301487922669},{"text":"And do you tie kind of marry it up with whatever's going on in the news at the time?","start":462.42,"end":465.94,"sentiment":"neutral","sentiment_score":0.06807573502393145},{"text":"Or yeah.","start":465.94,"end":474.915,"sentiment":"neutral","sentiment_score":0.011324748396873474},{"text":"Absolutely.","start":474.915,"end":475.415,"sentiment":"neutral","sentiment_score":0.16140606999397278}],"sentiment":"neutral","sentiment_score":0.037287813382890986,"num_words":53,"start":445.125,"end":475.415},{"sentences":[{"text":"You've had a pretty good run of it, thankfully, because I know that the team puts you in a bit better of a portfolio when they switched you across the hub, so it hasn't gone into the negative like the previous one.","start":476.435,"end":486.93,"sentiment":"neutral","sentiment_score":0.17973528066206546},{"text":"It's still up.","start":487.22998,"end":488.11,"sentiment":"neutral","sentiment_score":0.17984896898269653},{"text":"I think you you've gone from $683,000 to $7.33, including your contributions and your growth.","start":488.11,"end":495.41,"sentiment":"neutral","sentiment_score":0.275687771042188},{"text":"So there's been about $30 worth of net growth on top of your contributions in there.","start":495.51498,"end":500.79498,"sentiment":"neutral","sentiment_score":0.21062297839671373},{"text":"So it's still growing, but it's definitely had a bit of a slow year compared to last year.","start":500.79498,"end":505.935,"sentiment":"neutral","sentiment_score":-0.2871883159710301}],"sentiment":"neutral","sentiment_score":0.11089705560911209,"num_words":94,"start":476.435,"end":505.935},{"sentences":[{"text":"Perfect.","start":507.85,"end":508.33002,"sentiment":"neutral","sentiment_score":0.17231737077236176},{"text":"Two things I wanted to talk to you about.","start":508.33002,"end":509.69,"sentiment":"neutral","sentiment_score":0.023439734967218503},{"text":"So one thing in terms of risk level, because I had you with retiring around age 60, you hit your preservation age.","start":509.69,"end":516.65,"sentiment":"neutral","sentiment_score":-0.038607865910638466},{"text":"You're wanting to retire pretty early.","start":516.65,"end":518.33,"sentiment":"neutral","sentiment_score":-0.04540242627263069},{"text":"Does that sound right?","start":518.33,"end":519.39,"sentiment":"neutral","sentiment_score":0.01898209098726511}],"sentiment":"neutral","sentiment_score":-0.015775815672462896,"num_words":42,"start":507.85,"end":519.39},{"sentences":[{"text":"Absolutely.","start":522.34503,"end":522.84503,"sentiment":"neutral","sentiment_score":0.05687834322452545},{"text":"So I wanna have a little bit of a a careful talk about risk level because what's essentially gonna happen is you're in a growth portfolio.","start":523.065,"end":530.36505,"sentiment":"neutral","sentiment_score":0.0005738465473628961},{"text":"You're a four out of five at this point, just above medium.","start":530.505,"end":533.68005,"sentiment":"neutral","sentiment_score":0.02597793222715457},{"text":"Now growth portfolio is great.","start":533.9,"end":535.58,"sentiment":"positive","sentiment_score":0.42054888010025027},{"text":"You get your nine to 12% average returns.","start":535.58,"end":538.08,"sentiment":"positive","sentiment_score":0.3843875005841255}],"sentiment":"neutral","sentiment_score":0.10694957587223214,"num_words":52,"start":522.34503,"end":538.08},{"sentences":[{"text":"We love that double digits are great.","start":538.38,"end":540.48004,"sentiment":"positive","sentiment_score":0.5817054169518607},{"text":"You're in your last period of getting that growth because each year, you could be 800,900 then a million all in a few years' time.","start":540.94,"end":548.975,"sentiment":"neutral","sentiment_score":0.19533393383026124},{"text":"Does that make sense?","start":549.115,"end":550.175,"sentiment":"neutral","sentiment_score":0.11503327637910843},{"text":"But at the same time, if the market crashes and the world explodes, I don't want you to drop down to 500,000 all of a sudden, and then you've got to wait another five years to retire.","start":550.475,"end":562.36,"sentiment":"neutral","sentiment_score":-0.28096869597966606},{"text":"Do you know what I mean?","start":562.36,"end":563.42,"sentiment":"neutral","sentiment_score":-0.09940798083941142}],"sentiment":"neutral","sentiment_score":-0.019960383118330677,"num_words":79,"start":538.38,"end":563.42},{"sentences":[{"text":"So I kinda call that the sequencing risk where it's like, it's all good to get the returns now, but if you're a day off retirement, you probably don't wanna be too high risk.","start":564.44,"end":572.06,"sentiment":"neutral","sentiment_score":-0.006384230328395085},{"text":"So in terms of risk level, I was gonna talk to you about whether we stay growth or whether we just drop it down a peg into the middle, go a bit more medium with it, but it depends on how much you're wanting for that retirement income.","start":574.005,"end":586.505,"sentiment":"neutral","sentiment_score":0.02079482194191466},{"text":"So the question I've got is the mortgage, how close do you reckon you're gonna be to kind of knocking that out over the next few years?","start":588.56,"end":595.77997,"sentiment":"neutral","sentiment_score":-0.036025301794762966},{"text":"Yep.","start":605.425,"end":605.925,"sentiment":"neutral","sentiment_score":0.032778605818748474},{"text":"Yep.","start":632.255,"end":632.755,"sentiment":"neutral","sentiment_score":0.11676929891109468}],"sentiment":"neutral","sentiment_score":-0.0003788074025431194,"num_words":111,"start":564.44,"end":632.755},{"sentences":[{"text":"Then that would be good.","start":635.71,"end":636.59,"sentiment":"neutral","sentiment_score":0.22428379356861114},{"text":"You can kind of finish off the mortgage and have that left over to live off.","start":636.59,"end":640.93,"sentiment":"neutral","sentiment_score":0.07276050641667098},{"text":"Perfect.","start":642.27,"end":642.75,"sentiment":"positive","sentiment_score":0.43563467264175415},{"text":"Perfect.","start":642.75,"end":643.07,"sentiment":"positive","sentiment_score":0.3731765747070313},{"text":"So what that'll kind of do, let's say you get there and there's a well, let's say worst case scenario, you've still got a couple $100 owing on the mortgage and you hit a million and you trim 200 off, that 800,000 is gonna be paying you somewhere between 40 to 80,000 tax free, and that's, like, enough to go past life expectancy.","start":643.07,"end":664.45996,"sentiment":"neutral","sentiment_score":0.08394472670578768}],"sentiment":"neutral","sentiment_score":0.0974757686084093,"num_words":86,"start":635.71,"end":664.45996},{"sentences":[{"text":"So that thousand dollars a week, $1,500 a week, that kind of thing with the mortgage paid down.","start":665.0,"end":670.22,"sentiment":"neutral","sentiment_score":0.0533040300425556},{"text":"K.","start":671.72,"end":671.95996,"sentiment":"neutral","sentiment_score":0.09889166057109831},{"text":"How's that sounding for you?","start":671.95996,"end":673.5,"sentiment":"neutral","sentiment_score":0.16056070923805238},{"text":"Okay.","start":677.735,"end":678.135,"sentiment":"neutral","sentiment_score":0.2478340119123459},{"text":"Perfect.","start":678.135,"end":678.635,"sentiment":"positive","sentiment_score":0.3868290781974793}],"sentiment":"neutral","sentiment_score":0.09599349375527638,"num_words":26,"start":665.0,"end":678.635},{"sentences":[{"text":"Now when you're in a growth portfolio, I usually recommend that if you're if you're staring at more like seven to eight years.","start":679.415,"end":685.355,"sentiment":"neutral","sentiment_score":0.10917864286381265},{"text":"If we're still possibly looking at that three or four, we might be cutting it a bit tight in terms of risk level.","start":685.895,"end":692.48,"sentiment":"neutral","sentiment_score":-0.20508476379125015},{"text":"So what I wanted to talk to you about today so I'll give you a bit of an example.","start":694.06,"end":697.33997,"sentiment":"neutral","sentiment_score":0.12330727436040577},{"text":"You've got about 24,000 going in in contributions before tax.","start":697.33997,"end":701.27997,"sentiment":"neutral","sentiment_score":0.09255488738417625},{"text":"So let's just say you've got $7.33, and you add in that sort of 19,000 after tax.","start":702.995,"end":709.495,"sentiment":"neutral","sentiment_score":0.16578062842873967}],"sentiment":"neutral","sentiment_score":0.04218279335485852,"num_words":92,"start":679.415,"end":709.495},{"sentences":[{"text":"And let's say you only get, like, a seven and a half percent return, like a medium balance one, that'll kinda get you more like a $9.50, $9.60 mark.","start":709.95496,"end":721.87,"sentiment":"neutral","sentiment_score":0.2802061926701973},{"text":"K?","start":724.08997,"end":724.49,"sentiment":"neutral","sentiment_score":0.13459083437919617},{"text":"That's by taking a a lower level of risk than what you're currently doing.","start":724.49,"end":728.115,"sentiment":"neutral","sentiment_score":0.21290338997329986},{"text":"So whether you wanted to maybe just go down that one peg and then whether it's 60 or 61, we just kind of decide together when to pull the trigger based on, you know, when you get that last really good jump in the markets, you just take the winnings and kind of convert it over into a pension after that.","start":729.875,"end":745.85,"sentiment":"neutral","sentiment_score":0.3054702001028374},{"text":"Yeah.","start":759.28503,"end":759.525,"sentiment":"neutral","sentiment_score":0.07381700724363327}],"sentiment":"neutral","sentiment_score":0.2825350669335644,"num_words":106,"start":709.95496,"end":759.525},{"sentences":[{"text":"That's kind of what I would advise.","start":759.525,"end":761.205,"sentiment":"neutral","sentiment_score":0.1657784070287432},{"text":"Like, if it's the difference between a twelve month difference in retirement versus potentially having to wait four years for it to bounce back from a market crash, I would kind of be looking towards the former.","start":761.205,"end":772.76996,"sentiment":"neutral","sentiment_score":0.018165946912926598},{"text":"Okay.","start":778.02997,"end":778.43,"sentiment":"neutral","sentiment_score":0.24950766563415527},{"text":"Cool.","start":778.43,"end":778.93,"sentiment":"neutral","sentiment_score":0.29461079835891724},{"text":"Again, we don't wanna get all this growth and lose it all at the end point, so I think that would be pretty prudent.","start":779.38995,"end":785.325,"sentiment":"neutral","sentiment_score":-0.0003088768571615208}],"sentiment":"neutral","sentiment_score":0.03384706149143832,"num_words":70,"start":759.525,"end":785.325},{"sentences":[{"text":"At the same time, though, the other thing I wanted to do is we're looking at a few investments.","start":786.905,"end":791.625,"sentiment":"neutral","sentiment_score":0.18380178903278552},{"text":"I've just gotten back talking to the investment committee and a few different seminars with some fund managers, and we've found some really good funds that are a little bit lower fees.","start":791.625,"end":801.06006,"sentiment":"positive","sentiment_score":0.3756116656586528},{"text":"So what I'm thinking is if I lower down the risk level a little bit, we could also maybe lower your investment fees.","start":803.2,"end":808.4,"sentiment":"neutral","sentiment_score":0.20895075668459354},{"text":"And there's, I think, out of the eight funds that you've got, one of them has not been doing so well.","start":808.4,"end":812.445,"sentiment":"neutral","sentiment_score":-0.18775715678930283},{"text":"So if I do a bit of an engine tune up and switch that guy out, I could probably bump up the returns a little bit too.","start":812.445,"end":818.065,"sentiment":"neutral","sentiment_score":0.1277073098829499}],"sentiment":"neutral","sentiment_score":0.16248255549762092,"num_words":122,"start":786.905,"end":818.065},{"sentences":[{"text":"Perfect.","start":820.605,"end":821.105,"sentiment":"positive","sentiment_score":0.7441641092300415},{"text":"So I can put that together as a bit of a updated projections for you and kind of show you what that retirement looks like.","start":821.405,"end":827.76,"sentiment":"positive","sentiment_score":0.6253187286853791},{"text":"Now in terms of the mortgages and the contributions, are you making any extra repayments on the mortgage or pulling funds in the offset, or is it just the standard monthly?","start":829.68,"end":839.38,"sentiment":"neutral","sentiment_score":0.018627886930781025},{"text":"Perfect.","start":854.67,"end":855.17,"sentiment":"positive","sentiment_score":0.40011027455329895},{"text":"Do you know around about how much your fortnightly repayments are?","start":855.31,"end":858.26996,"sentiment":"neutral","sentiment_score":0.17087900774045425}],"sentiment":"neutral","sentiment_score":0.278759075085754,"num_words":69,"start":820.605,"end":858.26996},{"sentences":[{"text":"Just so I can include that in the projections.","start":858.26996,"end":860.13,"sentiment":"neutral","sentiment_score":0.16613659097088707},{"text":"Yep.","start":867.40497,"end":867.885,"sentiment":"neutral","sentiment_score":0.18005870282649994},{"text":"Okay.","start":867.885,"end":868.385,"sentiment":"neutral","sentiment_score":0.1755906343460083},{"text":"That'll help me just project out what's gonna be left over on that liability for you.","start":870.045,"end":874.785,"sentiment":"neutral","sentiment_score":0.19928266247734427},{"text":"And in terms of the contributions, do you want me to model it on just what your employer's putting in?","start":876.22003,"end":880.78,"sentiment":"neutral","sentiment_score":0.07007611552253365}],"sentiment":"neutral","sentiment_score":0.13704092693614198,"num_words":47,"start":858.26996,"end":880.78},{"sentences":[{"text":"Are you looking at doing a bit of salary sacrifice?","start":880.78,"end":882.96,"sentiment":"neutral","sentiment_score":-0.003130360692739487},{"text":"What's your thoughts on that side?","start":883.18,"end":884.72003,"sentiment":"neutral","sentiment_score":-0.008820205926895142},{"text":"You're right.","start":909.85,"end":910.75,"sentiment":"neutral","sentiment_score":-0.15030501037836075},{"text":"Yeah.","start":923.545,"end":923.865,"sentiment":"neutral","sentiment_score":0.13264912366867063},{"text":"It's gone up to 32 and a half, which works out to be about $3.26 a fortnight for you.","start":923.865,"end":929.98,"sentiment":"neutral","sentiment_score":0.19789965372336538}],"sentiment":"neutral","sentiment_score":0.09231336003071383,"num_words":38,"start":880.78,"end":929.98},{"sentences":[{"text":"And whenever I do that, I like to go a bit more conservative with it.","start":930.12,"end":933.42,"sentiment":"neutral","sentiment_score":0.1512756332755089},{"text":"So safely, 300 a fortnight or less.","start":935.32,"end":938.22,"sentiment":"neutral","sentiment_score":0.08790529093572072},{"text":"Okay.","start":956.63,"end":957.13,"sentiment":"neutral","sentiment_score":0.10037678480148315},{"text":"Alright.","start":959.75,"end":960.25,"sentiment":"neutral","sentiment_score":0.1189466267824173},{"text":"Now just so your own like, I know you've done it before, but that 200, if we go off the standard kind of tax thing, probably costs you about 140 in the hand for that pretax contribution.","start":960.63,"end":973.255,"sentiment":"neutral","sentiment_score":0.05070354014232352}],"sentiment":"neutral","sentiment_score":0.0816364906972549,"num_words":61,"start":930.12,"end":973.255},{"sentences":[{"text":"So if you want, I can at least just model that and show you the difference that that makes over the next few years of doing that 200 a fortnight.","start":973.795,"end":980.41,"sentiment":"neutral","sentiment_score":0.21306119884053867},{"text":"Yep.","start":986.31,"end":986.81,"sentiment":"neutral","sentiment_score":0.2208065241575241},{"text":"Alrighty.","start":988.63,"end":989.13,"sentiment":"positive","sentiment_score":0.35841792821884155},{"text":"So I'll mix that in.","start":990.095,"end":991.13495,"sentiment":"positive","sentiment_score":0.38285514116287234},{"text":"That's looking pretty good too.","start":991.13495,"end":992.415,"sentiment":"positive","sentiment_score":0.6846353769302368}],"sentiment":"neutral","sentiment_score":0.29305983352519216,"num_words":42,"start":973.795,"end":992.415},{"sentences":[{"text":"So the aim of the game basically is I wanna drop down the risk level a little bit, drop down the fees a little bit, improve the contributions, and switch out some of the investments that aren't doing as well as the other ones, and that should get you a really good outcome for the next few years.","start":992.415,"end":1008.45996,"sentiment":"positive","sentiment_score":0.44039446141185434},{"text":"Perfect.","start":1011.63995,"end":1012.12,"sentiment":"positive","sentiment_score":0.7691446542739868},{"text":"So I will get the team to research that and put together an updated plan.","start":1012.12,"end":1016.12,"sentiment":"positive","sentiment_score":0.4660269021987915},{"text":"I'm gonna do a bit of a retirement analysis to show you kind of once you pay off the mortgage, how long the funds are gonna last based on that thousand to 1,500 a week after tax.","start":1016.12,"end":1026.595,"sentiment":"neutral","sentiment_score":0.2617646624913087},{"text":"Alrighty.","start":1029.215,"end":1029.715,"sentiment":"neutral","sentiment_score":0.24238654971122744}],"sentiment":"positive","sentiment_score":0.3859830893842237,"num_words":112,"start":992.415,"end":1029.715},{"sentences":[{"text":"Any questions on that so far?","start":1030.1749,"end":1031.615,"sentiment":"neutral","sentiment_score":0.13023656234145164},{"text":"I know I'm still gonna put the plan together, but do you like what what we're leaning towards?","start":1031.615,"end":1035.315,"sentiment":"neutral","sentiment_score":0.06580471656181747},{"text":"Perfect.","start":1043.0,"end":1043.5,"sentiment":"positive","sentiment_score":0.5711023807525635},{"text":"Well, that's my job, mate, is to guide you nice and safely into port for the next few years and then send you away within a low half flowers around your neck, and you can send us some photos back.","start":1043.5599,"end":1053.415,"sentiment":"neutral","sentiment_score":0.19465499892830848},{"text":"Oh, no.","start":1058.115,"end":1058.855,"sentiment":"neutral","sentiment_score":0.03840823471546173}],"sentiment":"neutral","sentiment_score":0.15522422506682462,"num_words":67,"start":1030.1749,"end":1058.855},{"sentences":[{"text":"That's right.","start":1058.995,"end":1059.555,"sentiment":"neutral","sentiment_score":0.08799057826399803},{"text":"You are in the port.","start":1059.555,"end":1060.4349,"sentiment":"positive","sentiment_score":0.3378753364086151},{"text":"That's fantastic.","start":1060.4349,"end":1061.255,"sentiment":"positive","sentiment_score":0.7667826414108276},{"text":"I didn't mean that pun, but worked out pretty well.","start":1061.315,"end":1064.695,"sentiment":"positive","sentiment_score":0.4795981138944626},{"text":"Alrighty.","start":1067.03,"end":1067.53,"sentiment":"neutral","sentiment_score":0.30014485120773315}],"sentiment":"positive","sentiment_score":0.4247524555772543,"num_words":20,"start":1058.995,"end":1067.53},{"sentences":[{"text":"So, mate, anything else that I can do for you today?","start":1067.8301,"end":1070.89,"sentiment":"neutral","sentiment_score":0.16730416769331152},{"text":"You can do that, but as an adviser, I have to advise you to wait until you see the document first because it's kind of that wants you to implement the advice before I've shown you.","start":1087.285,"end":1095.5801,"sentiment":"neutral","sentiment_score":0.029464512804730073},{"text":"But if you feel confident and safe that you've done it before, by all means.","start":1095.5801,"end":1099.12,"sentiment":"neutral","sentiment_score":0.08712914859255155},{"text":"Yeah.","start":1109.3551,"end":1109.5951,"sentiment":"neutral","sentiment_score":0.043377745896577835},{"text":"Yep.","start":1109.5951,"end":1109.915,"sentiment":"neutral","sentiment_score":0.04149429500102997}],"sentiment":"neutral","sentiment_score":0.06707621211535297,"num_words":64,"start":1067.8301,"end":1109.915},{"sentences":[{"text":"And see if it's worth it in terms of an impact to to bother.","start":1109.915,"end":1113.615,"sentiment":"neutral","sentiment_score":0.020618049827005182},{"text":"Amazing.","start":1115.8351,"end":1116.3351,"sentiment":"neutral","sentiment_score":0.2238888144493103},{"text":"I know there's probably not any need to do anything insurance wise.","start":1117.0399,"end":1120.3999,"sentiment":"neutral","sentiment_score":0.016112488384048145},{"text":"Just wanted to ask the question if you were wanting me to look at anything insurances wise or just focus on the retirement.","start":1120.3999,"end":1126.1799,"sentiment":"neutral","sentiment_score":0.019844225243381832},{"text":"Yep.","start":1135.855,"end":1136.355,"sentiment":"neutral","sentiment_score":0.042547207325696945}],"sentiment":"neutral","sentiment_score":0.023624622756067443,"num_words":51,"start":1109.915,"end":1136.355},{"sentences":[{"text":"Yeah.","start":1148.35,"end":1148.67,"sentiment":"neutral","sentiment_score":0.008215564303100109},{"text":"And that'll clear the mortgage.","start":1148.67,"end":1150.03,"sentiment":"neutral","sentiment_score":0.08958997875452042},{"text":"It'll have a whole bunch left over.","start":1150.03,"end":1151.55,"sentiment":"neutral","sentiment_score":0.095299060855593},{"text":"Like, you use insurance to cover the deficit of the assets that you don't have.","start":1151.55,"end":1155.4049,"sentiment":"neutral","sentiment_score":0.05498033215602239},{"text":"Now that you've got the assets, do you need it?","start":1155.4049,"end":1157.6649,"sentiment":"neutral","sentiment_score":0.029704256542026998}],"sentiment":"neutral","sentiment_score":0.05907911662698576,"num_words":38,"start":1148.35,"end":1157.6649},{"sentences":[{"text":"And the last thing you probably want is another $10,000 coming out of your super and additional fees for something that you don't necessarily need.","start":1159.4049,"end":1166.625,"sentiment":"neutral","sentiment_score":-0.03405008465051651},{"text":"Yeah.","start":1171.55,"end":1171.87,"sentiment":"neutral","sentiment_score":0.1578490138053894},{"text":"And you can get a policy for everything these days.","start":1171.87,"end":1174.13,"sentiment":"neutral","sentiment_score":0.19668408781290053},{"text":"Absolutely.","start":1176.1901,"end":1176.6901,"sentiment":"positive","sentiment_score":0.5368435382843018},{"text":"So between the wills, the beneficiaries, the portfolio, and everything, that's all looking pretty good.","start":1177.55,"end":1182.61,"sentiment":"positive","sentiment_score":0.5881796757380168}],"sentiment":"neutral","sentiment_score":0.20448031634665453,"num_words":52,"start":1159.4049,"end":1182.61},{"sentences":[{"text":"Alrighty.","start":1184.085,"end":1184.585,"sentiment":"neutral","sentiment_score":0.325700044631958},{"text":"Outside of that, inside that pack I've sent you, it's just got the updated service agreement to remain advisers on hub twenty four if you're still comfortable with the services.","start":1184.805,"end":1193.625,"sentiment":"neutral","sentiment_score":0.24988398402929307},{"text":"Just bear in mind two little things.","start":1194.165,"end":1196.665,"sentiment":"neutral","sentiment_score":0.08581492198365075},{"text":"First of all, you are well and truly above our cap, which is 600,000 in terms of the fees.","start":1197.33,"end":1203.73,"sentiment":"neutral","sentiment_score":0.04152456376897661},{"text":"So the 1.65% caps at 600,000.","start":1203.73,"end":1207.03,"sentiment":"neutral","sentiment_score":-0.0038407985121011734}],"sentiment":"neutral","sentiment_score":0.14585469745927387,"num_words":63,"start":1184.085,"end":1207.03},{"sentences":[{"text":"You're well and truly above that, so it's flat at this point.","start":1207.25,"end":1210.39,"sentiment":"neutral","sentiment_score":0.03491095618422454},{"text":"Next year, Colin, we are bringing in tiered fee structures.","start":1211.01,"end":1214.995,"sentiment":"neutral","sentiment_score":0.03408441655337811},{"text":"So for everyone above 200,000, we're gonna start dropping and giving some percentage discounts to everybody.","start":1215.135,"end":1221.155,"sentiment":"neutral","sentiment_score":0.07864217087626457},{"text":"So I'll leave that as the current agreement for the twelve months, but next time I speak to you after that, we'll go through that new update once we've got all the the guides and legal documents written up.","start":1223.375,"end":1236.07,"sentiment":"neutral","sentiment_score":0.06026214953416433},{"text":"Perfect.","start":1239.25,"end":1239.75,"sentiment":"positive","sentiment_score":0.4554647207260132}],"sentiment":"neutral","sentiment_score":0.061842806747732446,"num_words":78,"start":1207.25,"end":1239.75},{"sentences":[{"text":"Alright.","start":1240.125,"end":1240.365,"sentiment":"positive","sentiment_score":0.3696679472923279},{"text":"That's pretty much everything I needed so far.","start":1240.365,"end":1242.785,"sentiment":"positive","sentiment_score":0.4466940350830555},{"text":"Anything else I can help you with before I let you enjoy your day picking up your daughter?","start":1243.005,"end":1247.425,"sentiment":"neutral","sentiment_score":0.2576357763674524},{"text":"Yeah.","start":1259.26,"end":1259.5801,"sentiment":"neutral","sentiment_score":0.15117254853248596},{"text":"That's half our job, Colton.","start":1259.5801,"end":1260.7001,"sentiment":"neutral","sentiment_score":0.29229838848114015}],"sentiment":"neutral","sentiment_score":0.3088887482881546,"num_words":33,"start":1240.125,"end":1260.7001},{"sentences":[{"text":"It's just good reminder and just to get that little bit of movement going where people otherwise wouldn't.","start":1260.7001,"end":1265.52,"sentiment":"positive","sentiment_score":0.36287003341648316},{"text":"But leave it with me.","start":1268.5249,"end":1269.4049,"sentiment":"neutral","sentiment_score":0.016241492331027986},{"text":"I'll put together a nice, beautiful plan for you.","start":1269.4049,"end":1271.485,"sentiment":"positive","sentiment_score":0.859197735786438},{"text":"We'll get everything kind of moving smoothly in towards that port.","start":1271.485,"end":1275.345,"sentiment":"positive","sentiment_score":0.8129585656252775},{"text":"And like I said, drop the risk down, drop the fees, get the performance up a little bit, and you should be having a good few years.","start":1275.4049,"end":1281.9299,"sentiment":"positive","sentiment_score":0.6676802502738105}],"sentiment":"positive","sentiment_score":0.5902222666357245,"num_words":70,"start":1260.7001,"end":1281.9299},{"sentences":[{"text":"The only warning I'm gonna give you is the same one I'll give you when we go through the document is sometime over the next few years, the market is probably gonna have a bit of a dive again.","start":1281.99,"end":1290.33,"sentiment":"neutral","sentiment_score":-0.1925610812046589},{"text":"We kind of expect that with what's currently going on, but I'm factoring in that we can still get you there even once it bounces back after that.","start":1290.63,"end":1299.325,"sentiment":"neutral","sentiment_score":0.006499340225543294},{"text":"Cool.","start":1301.3049,"end":1301.705,"sentiment":"neutral","sentiment_score":0.1517663300037384},{"text":"So the main thing is, again, I don't want you dropping down $250,000 in a single year because we've left you in too high risk for too long.","start":1301.705,"end":1309.6699,"sentiment":"neutral","sentiment_score":-0.2338230772210019},{"text":"Cool.","start":1312.0499,"end":1312.5499,"sentiment":"neutral","sentiment_score":0.17346099019050598}],"sentiment":"neutral","sentiment_score":-0.13968782971814736,"num_words":97,"start":1281.99,"end":1312.5499},{"sentences":[{"text":"Outside of that, mate, I probably need a couple of weeks.","start":1312.9299,"end":1315.49,"sentiment":"neutral","sentiment_score":0.011226351965557445},{"text":"I've just gotten back from paternity leave, so I've booked out at the moment.","start":1315.49,"end":1319.0299,"sentiment":"neutral","sentiment_score":0.0321078606482063},{"text":"But are you okay if the team reaches out in a fortnight and just gets you booked in to go through that plan with me?","start":1321.0249,"end":1326.085,"sentiment":"neutral","sentiment_score":0.13060946196317672},{"text":"Perfect.","start":1329.6649,"end":1330.065,"sentiment":"positive","sentiment_score":0.4576961696147918},{"text":"Perfect.","start":1330.065,"end":1330.465,"sentiment":"positive","sentiment_score":0.4479196667671203}],"sentiment":"neutral","sentiment_score":0.09122792896456443,"num_words":52,"start":1312.9299,"end":1330.465},{"sentences":[{"text":"Perfect.","start":1330.465,"end":1330.965,"sentiment":"positive","sentiment_score":0.3767218589782715},{"text":"If there's anything else we need, we will reach out.","start":1331.0249,"end":1333.105,"sentiment":"neutral","sentiment_score":0.16960879042744637},{"text":"But outside of that, we'll send you those beneficiary forms.","start":1333.105,"end":1336.27,"sentiment":"neutral","sentiment_score":0.09336281940340996},{"text":"Colin, do you have access to a a printer to print out the forms, or do you want me to post them with a return envelope?","start":1336.49,"end":1342.57,"sentiment":"neutral","sentiment_score":0.04928733279498724},{"text":"Well, it's easier.","start":1342.57,"end":1343.39,"sentiment":"neutral","sentiment_score":0.13217074424028397}],"sentiment":"neutral","sentiment_score":0.09368841685354709,"num_words":50,"start":1330.465,"end":1343.39},{"sentences":[{"text":"Easy done.","start":1350.105,"end":1350.745,"sentiment":"neutral","sentiment_score":0.29699142277240753},{"text":"And I'll prefill them in with that binding nonlapsing nomination to your spouse there.","start":1350.745,"end":1356.845,"sentiment":"neutral","sentiment_score":0.1840503971491541},{"text":"Do you want me to put in her details as well in terms of date of birth and everything?","start":1358.185,"end":1362.87,"sentiment":"neutral","sentiment_score":0.06914164988618147},{"text":"Or the only one I don't have is the date of birth.","start":1362.87,"end":1370.1699,"sentiment":"neutral","sentiment_score":-0.058423121459782124},{"text":"1984.","start":1377.345,"end":1378.305,"sentiment":"neutral","sentiment_score":-0.01388163398951292}],"sentiment":"neutral","sentiment_score":0.07852959712424006,"num_words":48,"start":1350.105,"end":1378.305},{"sentences":[{"text":"So we've got MacNeil, 11/29/1984.","start":1378.305,"end":1384.405,"sentiment":"neutral","sentiment_score":0.05655421763658523},{"text":"And middle name?","start":1385.105,"end":1386.245,"sentiment":"neutral","sentiment_score":0.010235065904756388},{"text":"No middle name.","start":1388.91,"end":1389.97,"sentiment":"neutral","sentiment_score":-0.025010533009966213},{"text":"Perfect.","start":1391.79,"end":1392.29,"sentiment":"positive","sentiment_score":0.5973423719406128},{"text":"Alrighty.","start":1392.8301,"end":1393.3301,"sentiment":"positive","sentiment_score":0.42233049869537354}],"sentiment":"neutral","sentiment_score":0.09677827365409869,"num_words":13,"start":1378.305,"end":1393.3301},{"sentences":[{"text":"Yeah.","start":1393.39,"end":1393.55,"sentiment":"neutral","sentiment_score":0.3287809193134308},{"text":"I can get that prefilled.","start":1393.55,"end":1394.43,"sentiment":"neutral","sentiment_score":0.3269591748714447},{"text":"No worries at all.","start":1394.43,"end":1395.49,"sentiment":"neutral","sentiment_score":0.20270894467830658},{"text":"No worries.","start":1398.525,"end":1399.165,"sentiment":"positive","sentiment_score":0.3701499253511429},{"text":"Thank you for yours, Colin, and I will speak to you in a couple of weeks.","start":1399.165,"end":1402.305,"sentiment":"positive","sentiment_score":0.542066028341651}],"sentiment":"positive","sentiment_score":0.43527745987687794,"num_words":28,"start":1393.39,"end":1402.305},{"sentences":[{"text":"Alrighty, man.","start":1404.925,"end":1405.645,"sentiment":"positive","sentiment_score":0.5268204063177109},{"text":"Have a great day.","start":1405.645,"end":1406.285,"sentiment":"positive","sentiment_score":0.6605926603078842},{"text":"Thank you so much.","start":1406.285,"end":1407.265,"sentiment":"positive","sentiment_score":0.7048005610704422},{"text":"Bye.","start":1409.165,"end":1409.665,"sentiment":"neutral","sentiment_score":-0.11348368972539902}],"sentiment":"positive","sentiment_score":0.5819754553112116,"num_words":11,"start":1404.925,"end":1409.665}]}}]},{"alternatives":[{"transcript":"Hello? Hi. Who's outside Tommy? I don't tell me. Sorry, Tommy. I'm in the car at the moment, so I'm hands free in case I'm difficult to hear. Three. Yeah. No. That's fine. I'm just picking up my daughter from school, and I'll be I'll I'll go on to normal phone in about ten ten minutes or so. Yeah. That's fine. Yeah. Yeah. Yes. Twenty second of the fourth nineteen sixty nine. My address is 7 Essence Boulevard, Mattingly, Victoria. Yeah. That's fine. Yeah. Yes. That's it. Yep. Yes. Uh-huh. No. Listen. You've been pretty good throughout the years, so just go ahead with what you have. And if I if I think of anything, I'll fire back at you. Yeah. Okay. Yes. Yes. Yes. I think probably it's yes. Probably a little bit short of that, but round about $2.02 90 or or sorry, $1.90 or $1.90 something. Yes. Yes. Listen. To be to to be honest, Tommy, I'm probably in around the 300 and that because I did use a bit. I've done a bit of renovation in the house this year. I put new doors in, new floors in, bits and pieces. So I'm probably sitting on the home loan around about 300 approximately. No. That's that's me more or less finished now. Yep. Yes. Well, I I got evaluation done probably two months ago. They were saying 7 to $7.50. So, yes, I would say you're probably right. $7.15, $7.20, something like that. No. I've I've probably about 9 on that at the moment. No. I did sell I did sell one of my vehicles, but then the one already I've still got two vehicles. Probably, I sold one of them. I have a novated lease vehicle through work and then a a u a u that I own, which is probably worth $3,538,000. Yep. Yeah. Well, say the other the other one that is the other one I sold, but I have an ovation vehicle, which is probably about two years there's probably approximately two years in in lease of three years left in that, and then I own the other one. No. No. To be honest, I did not know. I do I was speaking about it actually two weeks ago to a guy, and I said my wife would need to get her fingers right. So I I do need to pursue that. Definitely. Yeah. Yes. Okay. Right. Yes. Yep. Yeah. So I'm there. Just a just a question for you and not Tommy just for down the track. At what at what age do kids do your kids need to be to to include them in the will? Okay. Yep. Okay. So the super end of it's when the when the turn 18. Okay. Yes. Okay. So just leave it as it is. That for my wife. Yeah. Okay. Yes. That's fine. Yep. Just continue until if I decide to change it. Yeah? Yep. Okay. Yep. Fine. No. No. I would probably I wouldn't say every week, but probably once a month, I would have a look at it just to see how it's going. Well, you know yes. You know you know absolutely with the the the I I Iranian stuff and that going on, you know you're gonna get a hit. Yes. Yes. Yes. Yes. Uh-huh. Yes. Well, that would be my plan. Yeah? Yes. Uh-huh. Yes. Yes. Yes. Uh-huh. Yes. Yeah. Mhmm. What listen. Probably probably if I come to retirement, I would probably be using something to pay the mortgage off. So at at this point, I'm probably looking like if probably if I have another three years, just if that I'm not saying I will at 60, but if I'm looking at 60 and, you know, actually, say, three years for me roughly, well, or 61, whatever, if you if you could try and get to your 900 or whatever by then. Yeah. Yes. Mhmm. Yep. Yes. Yes. Yeah. That's that's sort of where where I would like to be if possible. Yeah. Yes. Uh-huh. Yes. Yes. Yep. Yes. Yes. Okay. Yes. So so probably, I'm saying, taking your honest advice, probably, as you're saying, I'm probably cheaper dropping the DynaPeg to a medium level risk. Yeah? Yes. Okay. Yes. Yeah. Well, that that's fair enough. Maybe we'll go with that. Yep. Yes. Mhmm. Mhmm. Yes. Okay. Yeah. Mhmm. No. It's just a it's a standard actually fortnightly. No. And I don't I don't pull funds on the offset notice. As as I said there, there's probably eight or nine grams sitting there, I think. Yes. Our fortnightly repayments are in around $1,700. Yes. Yes. That's not the thing too, Tommy, that that that I'd wonder about. To be honest with you, I used to I know I know the threshold's changed. I used to salary sacrifice. I can't remember exactly. It was probably a couple of $100 a pay, a fortnight. Now that was pre COVID. And then once I did my tax return, I actually owed the tax amount. It wasn't a lot of money, but I still owed them some money because I went over the threshold. That that was the issue. Now as you're saying there, Tommy, if what's the threshold now? Is it 32 or something you're allowed to contribute? Mhmm. You see okay. So what what I what I might do then, Tom, talking about this then, I might actually get on to my pay office and maybe just thinking probably maybe deduct an extra $200 a fortnight into my super. Mhmm. Yes. Mhmm. Yes. That's fine. Yes. Because, actually, I've I've I've spoken about this in recent in recent times. Okay. Yes. Yep. Brilliant. Yes. Okay. Yep. No. Yes. You're you're helping me out here, but you're bringing up a lot of things that I've had in the back of my head recently. Yeah? Well, that's my aim to get out of the port. I'll work in the port. Yep. Yep. No. No. You've just you've been good, Tommy. So what what what way working this? You're gonna put this together. Do you reckon I just go ahead with the pay office and put this structure in place for an extra $200 a fortnight? I just go ahead and do that. Yep. Yep. Yep. Yep. Well, by your figures, that's that'll be able to tell me what way I am without doing that or what way I am not doing it, you know, doing it or not doing it. Yes. Yep. Okay. No. I think down the track many years ago when when I started with you guys, when I was had a lot of car of sport in SwissBV, and he advised me back then probably just leave the insurances alone because at the end of the day, if something happens, your spouse is going to get your your super anyway. Yes. Yes. That's right. Yep. Yep. That's true, Tommy. But at the end of the day, we pay that much insurance for everything. You know? Yeah. Yes. Okay. Okay. Tell me. Yep. No. No. Thanks. No. Appreciate your call and your help. You yes. Appreciate it, miss Beanie. You say you've jogged my memory a bit because you put things in the back burner and then you forget about them. Yeah. Yes. Yeah. Yeah. Uh-huh. Yes. Fair enough. Yes. Okay. Fair enough. Yep. Yes. You know, that's fine. Tell me. Yeah. Uh-huh. I can know if you send them to me via email. Yes. I can print them out at home. No problem. Yeah. Yep. Yes. Have you got all those details or do you need them off me now? It's the twenty ninth of the eleventh nineteen eighty four. No. No middle name. No. Just La Portia. Yeah. Uh-huh. Alright, Tommy. Thanks for your time. Yes. Alright. Alright. See you.","confidence":0.987613,"words":[{"word":"hello","start":0.48,"end":0.98,"confidence":0.9828954,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.07550719380378723},{"word":"hi","start":6.8799996,"end":7.2799997,"confidence":0.65113604,"punctuated_word":"Hi.","sentiment":"neutral","sentiment_score":0.026451854035258293},{"word":"who's","start":7.2799997,"end":7.68,"confidence":0.86283433,"punctuated_word":"Who's","sentiment":"neutral","sentiment_score":0.007555127143859863},{"word":"outside","start":7.68,"end":8.16,"confidence":0.60418534,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.01619352586567402},{"word":"tommy","start":8.16,"end":8.66,"confidence":0.6585187,"punctuated_word":"Tommy?","sentiment":"neutral","sentiment_score":0.010632866062223911},{"word":"i","start":10.88,"end":10.96,"confidence":0.29155704,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.050565194338560104},{"word":"don't","start":10.96,"end":11.2,"confidence":0.7082721,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06161564588546753},{"word":"tell","start":11.2,"end":11.36,"confidence":0.43352205,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":-0.05997645854949951},{"word":"me","start":11.36,"end":11.599999,"confidence":0.8810434,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.08417953550815582},{"word":"sorry","start":11.599999,"end":11.92,"confidence":0.932608,"punctuated_word":"Sorry,","sentiment":"neutral","sentiment_score":-0.08718927204608917},{"word":"tommy","start":11.92,"end":12.32,"confidence":0.99279916,"punctuated_word":"Tommy.","sentiment":"neutral","sentiment_score":-0.04608848690986633},{"word":"i'm","start":12.32,"end":12.48,"confidence":0.98001397,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05215321108698845},{"word":"in","start":12.48,"end":12.719999,"confidence":0.98921496,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04309714585542679},{"word":"the","start":12.719999,"end":12.88,"confidence":0.9948619,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02411162108182907},{"word":"car","start":12.88,"end":13.12,"confidence":0.9804356,"punctuated_word":"car","sentiment":"neutral","sentiment_score":-0.014054201543331146},{"word":"at","start":13.12,"end":13.28,"confidence":0.9993462,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0537940114736557},{"word":"the","start":13.28,"end":13.36,"confidence":0.99952185,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.052218981087207794},{"word":"moment","start":13.36,"end":13.759999,"confidence":0.8751707,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.03766071796417236},{"word":"so","start":13.759999,"end":14.259999,"confidence":0.9988605,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.04115677624940872},{"word":"i'm","start":14.345,"end":14.665,"confidence":0.9997461,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.01422174833714962},{"word":"hands","start":14.665,"end":15.145,"confidence":0.9576465,"punctuated_word":"hands","sentiment":"neutral","sentiment_score":-0.017788801342248917},{"word":"free","start":15.145,"end":15.385,"confidence":0.99736553,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.005144871771335602},{"word":"in","start":15.385,"end":15.625,"confidence":0.98985124,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.038880396634340286},{"word":"case","start":15.625,"end":15.865,"confidence":0.99958366,"punctuated_word":"case","sentiment":"neutral","sentiment_score":-0.03513451665639877},{"word":"i'm","start":15.865,"end":16.105,"confidence":0.9923631,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0525660440325737},{"word":"difficult","start":16.105,"end":16.605,"confidence":0.99869496,"punctuated_word":"difficult","sentiment":"neutral","sentiment_score":-0.06115762144327164},{"word":"to","start":16.745,"end":16.825,"confidence":0.999569,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08386722207069397},{"word":"hear","start":16.825,"end":17.325,"confidence":0.9987489,"punctuated_word":"hear.","sentiment":"neutral","sentiment_score":-0.04880073294043541},{"word":"three","start":20.425,"end":20.925,"confidence":0.6540754,"punctuated_word":"Three.","sentiment":"neutral","sentiment_score":0.007512685842812061},{"word":"yeah","start":21.865,"end":22.105,"confidence":0.99845695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01341230608522892},{"word":"no","start":22.105,"end":22.425,"confidence":0.9954561,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.009300634264945984},{"word":"that's","start":22.425,"end":22.665,"confidence":0.9996679,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10270944237709044},{"word":"fine","start":22.665,"end":23.145,"confidence":0.9998671,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.10902494192123412},{"word":"i'm","start":23.145,"end":23.385,"confidence":0.9997755,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.12269268929958344},{"word":"just","start":23.385,"end":23.625,"confidence":0.9999521,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15097813308238983},{"word":"picking","start":23.625,"end":23.945,"confidence":0.9997558,"punctuated_word":"picking","sentiment":"neutral","sentiment_score":0.0873611643910408},{"word":"up","start":23.945,"end":24.105,"confidence":0.99967754,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.08992280066013336},{"word":"my","start":24.105,"end":24.265,"confidence":0.93390185,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.07948271930217743},{"word":"daughter","start":24.265,"end":24.665,"confidence":0.9999366,"punctuated_word":"daughter","sentiment":"neutral","sentiment_score":0.06732942163944244},{"word":"from","start":24.665,"end":24.904999,"confidence":0.99944276,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1011308580636978},{"word":"school","start":24.904999,"end":25.404999,"confidence":0.96871996,"punctuated_word":"school,","sentiment":"neutral","sentiment_score":0.11525840312242508},{"word":"and","start":25.545,"end":25.785,"confidence":0.9997782,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08127231895923615},{"word":"i'll","start":25.785,"end":26.105,"confidence":0.99585843,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08843117952346802},{"word":"be","start":26.105,"end":26.265,"confidence":0.9914187,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07753978669643402},{"word":"i'll","start":26.505001,"end":26.825,"confidence":0.9832674,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09098242223262788},{"word":"i'll","start":26.825,"end":27.325,"confidence":0.9979885,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08793555200099945},{"word":"go","start":27.33,"end":27.57,"confidence":0.9993926,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.08704239875078201},{"word":"on","start":27.57,"end":27.689999,"confidence":0.9428736,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10226429998874664},{"word":"to","start":27.689999,"end":27.81,"confidence":0.99647105,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09126436710357666},{"word":"normal","start":27.81,"end":28.31,"confidence":0.84962106,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":0.10166686773300172},{"word":"phone","start":28.369999,"end":28.61,"confidence":0.99204224,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.062342531979084015},{"word":"in","start":28.61,"end":28.77,"confidence":0.99697125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.060613252222537994},{"word":"about","start":28.77,"end":29.17,"confidence":0.9940882,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0697941929101944},{"word":"ten","start":29.17,"end":29.49,"confidence":0.9984854,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.0842399001121521},{"word":"ten","start":29.49,"end":29.73,"confidence":0.9688192,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.06054927036166191},{"word":"minutes","start":29.73,"end":30.05,"confidence":0.9996123,"punctuated_word":"minutes","sentiment":"neutral","sentiment_score":0.07727432250976562},{"word":"or","start":30.05,"end":30.21,"confidence":0.9992187,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06170174106955528},{"word":"so","start":30.21,"end":30.71,"confidence":0.99950117,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.06629063934087753},{"word":"yeah","start":35.73,"end":35.97,"confidence":0.9701405,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0865773931145668},{"word":"that's","start":35.97,"end":36.21,"confidence":0.99903053,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13891462981700897},{"word":"fine","start":36.21,"end":36.61,"confidence":0.9987535,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.15492165088653564},{"word":"yeah","start":36.61,"end":36.85,"confidence":0.99670327,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15615540742874146},{"word":"yeah","start":36.85,"end":37.35,"confidence":0.9738885,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20331603288650513},{"word":"yes","start":47.925,"end":48.245003,"confidence":0.74627656,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04098749905824661},{"word":"twenty","start":48.245003,"end":48.725002,"confidence":0.9944518,"punctuated_word":"Twenty","sentiment":"neutral","sentiment_score":0.024871043860912323},{"word":"second","start":48.725002,"end":49.125,"confidence":0.99859756,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.03523452952504158},{"word":"of","start":49.125,"end":49.365,"confidence":0.99908304,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02746672555804253},{"word":"the","start":49.365,"end":49.525,"confidence":0.9984459,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025433460250496864},{"word":"fourth","start":49.525,"end":50.005,"confidence":0.9935684,"punctuated_word":"fourth","sentiment":"neutral","sentiment_score":0.030550962314009663},{"word":"nineteen","start":50.005,"end":50.485,"confidence":0.96812683,"punctuated_word":"nineteen","sentiment":"neutral","sentiment_score":0.03865361213684082},{"word":"sixty","start":50.485,"end":50.965,"confidence":0.9991794,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.03138337284326553},{"word":"nine","start":50.965,"end":51.465,"confidence":0.81313515,"punctuated_word":"nine.","sentiment":"neutral","sentiment_score":0.05270606651902199},{"word":"my","start":52.725,"end":52.965,"confidence":0.6356374,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.039874445647001266},{"word":"address","start":52.965,"end":53.465,"confidence":0.99963,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.06057021766901016},{"word":"is","start":53.525,"end":53.845,"confidence":0.9990361,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.050542205572128296},{"word":"7","start":53.845,"end":54.165,"confidence":0.6979954,"punctuated_word":"7","sentiment":"neutral","sentiment_score":0.05639253556728363},{"word":"essence","start":54.165,"end":54.645,"confidence":0.558471,"punctuated_word":"Essence","sentiment":"neutral","sentiment_score":0.07367061078548431},{"word":"boulevard","start":54.645,"end":55.145,"confidence":0.9860156,"punctuated_word":"Boulevard,","sentiment":"neutral","sentiment_score":0.0642143040895462},{"word":"mattingly","start":55.285,"end":55.785,"confidence":0.9890712,"punctuated_word":"Mattingly,","sentiment":"neutral","sentiment_score":0.08173949271440506},{"word":"victoria","start":55.845,"end":56.345,"confidence":0.9842696,"punctuated_word":"Victoria.","sentiment":"neutral","sentiment_score":0.09885939955711363},{"word":"yeah","start":61.66,"end":61.9,"confidence":0.93034095,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07627081871032715},{"word":"that's","start":61.9,"end":62.22,"confidence":0.9991334,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11257230490446092},{"word":"fine","start":62.22,"end":62.46,"confidence":0.99807584,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1371115893125534},{"word":"yeah","start":62.46,"end":62.96,"confidence":0.887457,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22873809933662417},{"word":"yes","start":72.22,"end":72.54,"confidence":0.9778008,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0551084503531456},{"word":"that's","start":72.54,"end":72.78,"confidence":0.99911505,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.05598332732915878},{"word":"it","start":72.78,"end":73.095,"confidence":0.9991969,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.08428773283958435},{"word":"yep","start":73.255005,"end":73.755005,"confidence":0.8935466,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1486329883337021},{"word":"yes","start":91.35,"end":91.43,"confidence":0.8184468,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06189517676830292},{"word":"uh-huh","start":91.43,"end":91.93,"confidence":0.99764454,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":0.06164320185780525},{"word":"no","start":99.67,"end":99.909996,"confidence":0.9527676,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0803753137588501},{"word":"listen","start":99.909996,"end":100.409996,"confidence":0.7853667,"punctuated_word":"Listen.","sentiment":"neutral","sentiment_score":0.012386757880449297},{"word":"you've","start":100.63,"end":100.95,"confidence":0.5042391,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.16335514187812805},{"word":"been","start":100.95,"end":101.27,"confidence":0.852352,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.2914539575576782},{"word":"pretty","start":101.27,"end":101.509995,"confidence":0.99700373,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4179297089576721},{"word":"good","start":101.509995,"end":101.909996,"confidence":0.9987124,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4304541051387787},{"word":"throughout","start":101.909996,"end":102.229996,"confidence":0.9930293,"punctuated_word":"throughout","sentiment":"positive","sentiment_score":0.3935680687427521},{"word":"the","start":102.229996,"end":102.39,"confidence":0.9989281,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.402380883693695},{"word":"years","start":102.39,"end":102.71,"confidence":0.7277481,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.3325108289718628},{"word":"so","start":102.71,"end":103.21,"confidence":0.99902654,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.29435601830482483},{"word":"just","start":103.465004,"end":103.785,"confidence":0.99958926,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.32225826382637024},{"word":"go","start":103.785,"end":103.945,"confidence":0.9997627,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.4201609790325165},{"word":"ahead","start":103.945,"end":104.265,"confidence":0.99991953,"punctuated_word":"ahead","sentiment":"positive","sentiment_score":0.37053611874580383},{"word":"with","start":104.265,"end":104.425,"confidence":0.9977069,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.39380770921707153},{"word":"what","start":104.425,"end":104.665,"confidence":0.9934371,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3913355767726898},{"word":"you","start":104.665,"end":104.825,"confidence":0.99087864,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2914441227912903},{"word":"have","start":104.825,"end":105.065,"confidence":0.95178473,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.26952993869781494},{"word":"and","start":105.065,"end":105.225,"confidence":0.99211097,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.20157767832279205},{"word":"if","start":105.225,"end":105.465,"confidence":0.99763596,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19130030274391177},{"word":"i","start":105.465,"end":105.545,"confidence":0.7159716,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14620929956436157},{"word":"if","start":105.545,"end":105.785,"confidence":0.98431325,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16894355416297913},{"word":"i","start":105.785,"end":105.945,"confidence":0.9963946,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14041686058044434},{"word":"think","start":105.945,"end":106.105,"confidence":0.99739707,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0978001281619072},{"word":"of","start":106.105,"end":106.265,"confidence":0.9967049,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14986926317214966},{"word":"anything","start":106.265,"end":106.665,"confidence":0.9869204,"punctuated_word":"anything,","sentiment":"neutral","sentiment_score":0.12946496903896332},{"word":"i'll","start":106.665,"end":107.065,"confidence":0.85168207,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10000991821289062},{"word":"fire","start":107.065,"end":107.305,"confidence":0.95053947,"punctuated_word":"fire","sentiment":"neutral","sentiment_score":0.06636353582143784},{"word":"back","start":107.305,"end":107.465,"confidence":0.99360293,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.05120363086462021},{"word":"at","start":107.465,"end":107.705,"confidence":0.99253666,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.054963789880275726},{"word":"you","start":107.705,"end":108.205,"confidence":0.9918176,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.06633499264717102},{"word":"yeah","start":116.025,"end":116.25,"confidence":0.9048903,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07460099458694458},{"word":"okay","start":118.89,"end":119.29,"confidence":0.9630428,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1168370246887207},{"word":"yes","start":119.29,"end":119.79,"confidence":0.9959581,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2241809070110321},{"word":"yes","start":129.61,"end":130.11,"confidence":0.9972844,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06292399019002914},{"word":"yes","start":130.49,"end":130.99,"confidence":0.99839634,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05827329307794571},{"word":"i","start":131.895,"end":132.395,"confidence":0.9282024,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.046401213854551315},{"word":"think","start":139.41501,"end":139.735,"confidence":0.9672842,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.013863472267985344},{"word":"probably","start":139.735,"end":140.05501,"confidence":0.2568312,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.03259504586458206},{"word":"it's","start":140.05501,"end":140.13501,"confidence":0.77364606,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.003873323556035757},{"word":"yes","start":140.215,"end":140.455,"confidence":0.9293959,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":-0.00007585156708955765},{"word":"probably","start":140.455,"end":140.77501,"confidence":0.9646739,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.06636551022529602},{"word":"a","start":140.77501,"end":140.85501,"confidence":0.98158044,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.042844198644161224},{"word":"little","start":140.85501,"end":141.095,"confidence":0.9998273,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.06706272065639496},{"word":"bit","start":141.095,"end":141.255,"confidence":0.99856323,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05996687337756157},{"word":"short","start":141.255,"end":141.49501,"confidence":0.9821982,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.07674552500247955},{"word":"of","start":141.49501,"end":141.655,"confidence":0.9959805,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04976039007306099},{"word":"that","start":141.655,"end":141.815,"confidence":0.8702508,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.034949030727148056},{"word":"but","start":141.815,"end":142.315,"confidence":0.99899167,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.026409652084112167},{"word":"round","start":142.455,"end":142.77501,"confidence":0.48182356,"punctuated_word":"round","sentiment":"neutral","sentiment_score":0.016039138659834862},{"word":"about","start":142.77501,"end":143.27501,"confidence":0.71618396,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.005610879510641098},{"word":"$2.02","start":143.335,"end":144.295,"confidence":0.98259115,"punctuated_word":"$2.02","sentiment":"neutral","sentiment_score":0.0015591582050547004},{"word":"90","start":144.295,"end":144.695,"confidence":0.99735814,"punctuated_word":"90","sentiment":"neutral","sentiment_score":0.002506859600543976},{"word":"or","start":144.695,"end":144.935,"confidence":0.76829904,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.008352212607860565},{"word":"or","start":144.935,"end":145.095,"confidence":0.606093,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.01097450777888298},{"word":"sorry","start":145.095,"end":145.41501,"confidence":0.56483305,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.019166504964232445},{"word":"$1.90","start":145.41501,"end":146.05501,"confidence":0.99585027,"punctuated_word":"$1.90","sentiment":"neutral","sentiment_score":0.0006037491257302463},{"word":"or","start":146.05501,"end":146.295,"confidence":0.9965629,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.00458092987537384},{"word":"$1.90","start":146.295,"end":147.015,"confidence":0.99703795,"punctuated_word":"$1.90","sentiment":"neutral","sentiment_score":0.003515442367643118},{"word":"something","start":147.015,"end":147.515,"confidence":0.99371994,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":0.003884468227624893},{"word":"yes","start":160.795,"end":161.295,"confidence":0.9922679,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.02334694936871529},{"word":"yes","start":175.515,"end":175.75499,"confidence":0.7454587,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.02765297144651413},{"word":"listen","start":175.75499,"end":176.155,"confidence":0.44325358,"punctuated_word":"Listen.","sentiment":"neutral","sentiment_score":0.0178536269813776},{"word":"to","start":176.155,"end":176.31499,"confidence":0.944128,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.010922426357865334},{"word":"be","start":176.31499,"end":176.4625,"confidence":0.8739231,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.01011565327644348},{"word":"to","start":176.4625,"end":176.61,"confidence":0.68445975,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005520783364772797},{"word":"to","start":176.61,"end":176.73001,"confidence":0.9294675,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0070833563804626465},{"word":"be","start":176.73001,"end":176.85,"confidence":0.9986112,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0011681877076625824},{"word":"honest","start":176.85,"end":177.09,"confidence":0.9962158,"punctuated_word":"honest,","sentiment":"neutral","sentiment_score":0.009390255436301231},{"word":"tommy","start":177.09,"end":177.49,"confidence":0.9834335,"punctuated_word":"Tommy,","sentiment":"neutral","sentiment_score":0.014836041256785393},{"word":"i'm","start":177.49,"end":177.65,"confidence":0.9990661,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.009310925379395483},{"word":"probably","start":177.65,"end":177.97,"confidence":0.99961925,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.013940934091806412},{"word":"in","start":177.97,"end":178.21,"confidence":0.97556055,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.009347569197416306},{"word":"around","start":178.21,"end":178.53,"confidence":0.84058625,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.004801657050848007},{"word":"the","start":178.53,"end":178.69,"confidence":0.56527805,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005853906273841858},{"word":"300","start":178.69,"end":179.33,"confidence":0.99928504,"punctuated_word":"300","sentiment":"neutral","sentiment_score":0.002661909908056259},{"word":"and","start":179.33,"end":179.49,"confidence":0.457133,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00718143954873085},{"word":"that","start":179.49,"end":179.65,"confidence":0.79353315,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0019765011966228485},{"word":"because","start":179.65,"end":179.97,"confidence":0.8600703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.002705160528421402},{"word":"i","start":179.97,"end":180.05,"confidence":0.9524065,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0043241605162620544},{"word":"did","start":180.05,"end":180.29,"confidence":0.9990025,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.016952916979789734},{"word":"use","start":180.29,"end":180.53,"confidence":0.99385226,"punctuated_word":"use","sentiment":"neutral","sentiment_score":-0.006651733070611954},{"word":"a","start":180.53,"end":180.61,"confidence":0.89589405,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.010519837960600851},{"word":"bit","start":180.61,"end":180.85,"confidence":0.75373685,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.005425017327070236},{"word":"i've","start":180.85,"end":181.01,"confidence":0.9994482,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.005195838864892721},{"word":"done","start":181.01,"end":181.13,"confidence":0.99773324,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.0028851255774497986},{"word":"a","start":181.13,"end":181.25,"confidence":0.99283534,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007027661427855492},{"word":"bit","start":181.25,"end":181.49,"confidence":0.9693336,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.018542535603046417},{"word":"of","start":181.49,"end":181.65,"confidence":0.995037,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.005134023725986481},{"word":"renovation","start":181.65,"end":182.15,"confidence":0.9966897,"punctuated_word":"renovation","sentiment":"neutral","sentiment_score":0.050001874566078186},{"word":"in","start":182.21,"end":182.37,"confidence":0.99801385,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.00571008026599884},{"word":"the","start":182.37,"end":182.45,"confidence":0.9969524,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004930358380079269},{"word":"house","start":182.45,"end":182.77,"confidence":0.994866,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.019147686660289764},{"word":"this","start":182.77,"end":182.93,"confidence":0.992428,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.02175500988960266},{"word":"year","start":182.93,"end":183.25,"confidence":0.9489324,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.016317645087838173},{"word":"i","start":183.25,"end":183.41,"confidence":0.9879138,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.035276442766189575},{"word":"put","start":183.41,"end":183.91,"confidence":0.6427643,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.034155335277318954},{"word":"new","start":183.97,"end":184.21,"confidence":0.998273,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.03974897414445877},{"word":"doors","start":184.21,"end":184.53,"confidence":0.9991792,"punctuated_word":"doors","sentiment":"neutral","sentiment_score":0.031854595988988876},{"word":"in","start":184.53,"end":184.93,"confidence":0.76132655,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.022229138761758804},{"word":"new","start":184.93,"end":185.17,"confidence":0.9985629,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.03571135550737381},{"word":"floors","start":185.17,"end":185.57,"confidence":0.9976446,"punctuated_word":"floors","sentiment":"neutral","sentiment_score":0.04489051550626755},{"word":"in","start":185.57,"end":186.07,"confidence":0.94253135,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.022962071001529697},{"word":"bits","start":186.29,"end":186.53,"confidence":0.9893668,"punctuated_word":"bits","sentiment":"neutral","sentiment_score":0.03209180012345314},{"word":"and","start":186.53,"end":186.77,"confidence":0.9951826,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013318482786417007},{"word":"pieces","start":186.77,"end":187.27,"confidence":0.814824,"punctuated_word":"pieces.","sentiment":"neutral","sentiment_score":0.0121622271835804},{"word":"so","start":187.33,"end":187.73,"confidence":0.99927825,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.015780005604028702},{"word":"i'm","start":187.73,"end":188.13,"confidence":0.93766737,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.026857322081923485},{"word":"probably","start":188.13,"end":188.61,"confidence":0.9152012,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.031508781015872955},{"word":"sitting","start":188.61,"end":188.93,"confidence":0.98409814,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.04321538284420967},{"word":"on","start":188.93,"end":189.09,"confidence":0.93563116,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.042720992118120193},{"word":"the","start":189.09,"end":189.17,"confidence":0.9889298,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03231481835246086},{"word":"home","start":189.17,"end":189.41,"confidence":0.99494547,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.01956259086728096},{"word":"loan","start":189.41,"end":189.65,"confidence":0.9043458,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.05159910395741463},{"word":"around","start":189.65,"end":189.97,"confidence":0.54073703,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.03290340304374695},{"word":"about","start":189.97,"end":190.21,"confidence":0.9882024,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.02123171091079712},{"word":"300","start":190.21,"end":190.93,"confidence":0.99952185,"punctuated_word":"300","sentiment":"neutral","sentiment_score":0.026359492912888527},{"word":"approximately","start":190.93,"end":191.43,"confidence":0.9385365,"punctuated_word":"approximately.","sentiment":"neutral","sentiment_score":0.026185940951108932},{"word":"no","start":195.805,"end":196.045,"confidence":0.94990563,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1109808087348938},{"word":"that's","start":196.045,"end":196.36499,"confidence":0.99850607,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.16218572854995728},{"word":"that's","start":196.36499,"end":196.525,"confidence":0.9973561,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.15465036034584043},{"word":"me","start":196.525,"end":196.765,"confidence":0.98572,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.14229775965213776},{"word":"more","start":196.765,"end":196.92499,"confidence":0.9188297,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.13769052922725675},{"word":"or","start":196.92499,"end":197.08499,"confidence":0.9628347,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1142132580280304},{"word":"less","start":197.08499,"end":197.325,"confidence":0.9999603,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.06345904618501663},{"word":"finished","start":197.325,"end":197.805,"confidence":0.92796695,"punctuated_word":"finished","sentiment":"neutral","sentiment_score":-0.07384350895881653},{"word":"now","start":197.805,"end":198.305,"confidence":0.8568222,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.06843124330043793},{"word":"yep","start":205.805,"end":206.305,"confidence":0.81363034,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.045461371541023254},{"word":"yes","start":212.15,"end":212.46999,"confidence":0.99237955,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.038858525454998016},{"word":"well","start":212.46999,"end":212.70999,"confidence":0.9830659,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.039446279406547546},{"word":"i","start":212.70999,"end":212.87,"confidence":0.9991596,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.034353822469711304},{"word":"i","start":212.87,"end":213.26999,"confidence":0.56387633,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04391435161232948},{"word":"got","start":213.26999,"end":213.59,"confidence":0.99790394,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0498247854411602},{"word":"evaluation","start":213.59,"end":214.09,"confidence":0.6878561,"punctuated_word":"evaluation","sentiment":"neutral","sentiment_score":0.06190933659672737},{"word":"done","start":214.46999,"end":214.79,"confidence":0.9973273,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.029910512268543243},{"word":"probably","start":214.79,"end":215.26999,"confidence":0.96758723,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.031317342072725296},{"word":"two","start":215.26999,"end":215.51,"confidence":0.9940322,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.03595628961920738},{"word":"months","start":215.51,"end":215.82999,"confidence":0.9997693,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.04639586806297302},{"word":"ago","start":215.82999,"end":216.23,"confidence":0.99516714,"punctuated_word":"ago.","sentiment":"neutral","sentiment_score":0.045139238238334656},{"word":"they","start":216.23,"end":216.39,"confidence":0.9989286,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.017185308039188385},{"word":"were","start":216.39,"end":216.62999,"confidence":0.99903584,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.01499902829527855},{"word":"saying","start":216.62999,"end":217.12999,"confidence":0.99631846,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.05599378049373627},{"word":"7","start":217.67,"end":218.15,"confidence":0.9869436,"punctuated_word":"7","sentiment":"neutral","sentiment_score":0.03760256618261337},{"word":"to","start":218.15,"end":218.39,"confidence":0.99795854,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.025022447109222412},{"word":"$7.50","start":218.39,"end":219.18999,"confidence":0.971004,"punctuated_word":"$7.50.","sentiment":"neutral","sentiment_score":0.04096587002277374},{"word":"so","start":219.18999,"end":219.34999,"confidence":0.9297085,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.10351911187171936},{"word":"yes","start":219.34999,"end":219.59,"confidence":0.98088145,"punctuated_word":"yes,","sentiment":"neutral","sentiment_score":0.13747936487197876},{"word":"i","start":219.59,"end":219.67,"confidence":0.65504974,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1460850089788437},{"word":"would","start":219.67,"end":219.90999,"confidence":0.99873024,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1272963434457779},{"word":"say","start":219.90999,"end":220.15,"confidence":0.99631715,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.13886761665344238},{"word":"you're","start":220.15,"end":220.31,"confidence":0.97011685,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.10778290033340454},{"word":"probably","start":220.31,"end":220.79,"confidence":0.9980253,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.09665007889270782},{"word":"right","start":220.79,"end":221.175,"confidence":0.8351792,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.08746980130672455},{"word":"$7.15","start":221.255,"end":222.155,"confidence":0.98930395,"punctuated_word":"$7.15,","sentiment":"neutral","sentiment_score":0.07057242840528488},{"word":"$7.20","start":222.295,"end":223.095,"confidence":0.9827423,"punctuated_word":"$7.20,","sentiment":"neutral","sentiment_score":0.09327583014965056},{"word":"something","start":223.095,"end":223.49501,"confidence":0.9995369,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.1011694073677063},{"word":"like","start":223.49501,"end":223.99501,"confidence":0.9991425,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1241980642080307},{"word":"that","start":233.575,"end":233.815,"confidence":0.9714898,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.019786179065704346},{"word":"no","start":233.815,"end":234.13501,"confidence":0.97704387,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14265881478786469},{"word":"i've","start":234.13501,"end":234.455,"confidence":0.93497944,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.11997298896312714},{"word":"i've","start":234.455,"end":234.77501,"confidence":0.9468017,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.18676483631134033},{"word":"probably","start":234.77501,"end":235.175,"confidence":0.99026674,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.14395758509635925},{"word":"about","start":235.175,"end":235.655,"confidence":0.9827361,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.12618550658226013},{"word":"9","start":235.655,"end":235.895,"confidence":0.9992267,"punctuated_word":"9","sentiment":"neutral","sentiment_score":-0.11506827175617218},{"word":"on","start":235.895,"end":236.05501,"confidence":0.70233893,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.12062198668718338},{"word":"that","start":236.05501,"end":236.295,"confidence":0.99882823,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1644667088985443},{"word":"at","start":236.295,"end":236.375,"confidence":0.99692553,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.19326986372470856},{"word":"the","start":236.375,"end":236.535,"confidence":0.999569,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2095731794834137},{"word":"moment","start":236.535,"end":237.035,"confidence":0.99923027,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.15596140921115875},{"word":"no","start":246.03,"end":246.43,"confidence":0.99900377,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04735000431537628},{"word":"i","start":246.43,"end":246.67,"confidence":0.9985941,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04226700961589813},{"word":"did","start":246.67,"end":247.06999,"confidence":0.9996538,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.03446940705180168},{"word":"sell","start":247.06999,"end":247.54999,"confidence":0.99712026,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.046248286962509155},{"word":"i","start":247.54999,"end":247.70999,"confidence":0.9964477,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05358327925205231},{"word":"did","start":247.70999,"end":248.03,"confidence":0.9999101,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.044555407017469406},{"word":"sell","start":248.03,"end":248.26999,"confidence":0.9996137,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.07488223910331726},{"word":"one","start":248.26999,"end":248.51,"confidence":0.9996201,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.05164163187146187},{"word":"of","start":248.51,"end":248.67,"confidence":0.9995865,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05033675208687782},{"word":"my","start":248.67,"end":248.90999,"confidence":0.99989295,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0535990372300148},{"word":"vehicles","start":248.90999,"end":249.40999,"confidence":0.942436,"punctuated_word":"vehicles,","sentiment":"neutral","sentiment_score":-0.03219711035490036},{"word":"but","start":249.62999,"end":249.87,"confidence":0.9995403,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.04684342443943024},{"word":"then","start":249.87,"end":250.335,"confidence":0.99535453,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.06990654021501541},{"word":"the","start":250.815,"end":250.895,"confidence":0.8363789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07183893024921417},{"word":"one","start":250.895,"end":251.29501,"confidence":0.9972873,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.057841956615448},{"word":"already","start":251.29501,"end":251.535,"confidence":0.94063467,"punctuated_word":"already","sentiment":"neutral","sentiment_score":-0.0664428323507309},{"word":"i've","start":251.695,"end":251.93501,"confidence":0.99611735,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.05414722114801407},{"word":"still","start":251.93501,"end":252.175,"confidence":0.9998723,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.0721731185913086},{"word":"got","start":252.175,"end":252.41501,"confidence":0.9987987,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.06462739408016205},{"word":"two","start":252.41501,"end":252.735,"confidence":0.9005164,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.04440862685441971},{"word":"vehicles","start":252.735,"end":253.235,"confidence":0.92298055,"punctuated_word":"vehicles.","sentiment":"neutral","sentiment_score":-0.041228022426366806},{"word":"probably","start":253.375,"end":253.875,"confidence":0.9473218,"punctuated_word":"Probably,","sentiment":"neutral","sentiment_score":-0.03517730534076691},{"word":"i","start":254.335,"end":254.57501,"confidence":0.9998229,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.034837305545806885},{"word":"sold","start":254.57501,"end":254.895,"confidence":0.9972669,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":-0.034920185804367065},{"word":"one","start":254.895,"end":255.13501,"confidence":0.99909973,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03963891416788101},{"word":"of","start":255.13501,"end":255.21501,"confidence":0.99929416,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.027397625148296356},{"word":"them","start":255.21501,"end":255.71501,"confidence":0.9111874,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":-0.0303802452981472},{"word":"i","start":255.85501,"end":256.095,"confidence":0.99012214,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.002957461401820183},{"word":"have","start":256.095,"end":256.595,"confidence":0.95394206,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.002376630902290344},{"word":"a","start":256.655,"end":256.815,"confidence":0.7115853,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.006558087654411793},{"word":"novated","start":256.815,"end":257.315,"confidence":0.5441253,"punctuated_word":"novated","sentiment":"neutral","sentiment_score":0.016651753336191177},{"word":"lease","start":257.375,"end":257.775,"confidence":0.9257945,"punctuated_word":"lease","sentiment":"neutral","sentiment_score":0.015452902764081957},{"word":"vehicle","start":257.775,"end":258.255,"confidence":0.9846971,"punctuated_word":"vehicle","sentiment":"neutral","sentiment_score":0.00535823218524456},{"word":"through","start":258.255,"end":258.415,"confidence":0.98975325,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.003136221319437027},{"word":"work","start":258.415,"end":258.915,"confidence":0.9989459,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.008819473907351494},{"word":"and","start":259.055,"end":259.215,"confidence":0.58123785,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0026551634073257446},{"word":"then","start":259.215,"end":259.61502,"confidence":0.9987141,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0029873009771108627},{"word":"a","start":259.61502,"end":259.855,"confidence":0.950299,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0010598991066217422},{"word":"a","start":259.855,"end":259.935,"confidence":0.983142,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0021963026374578476},{"word":"u","start":259.935,"end":260.415,"confidence":0.42981595,"punctuated_word":"u","sentiment":"neutral","sentiment_score":0.006556437350809574},{"word":"a","start":260.415,"end":260.73502,"confidence":0.6798943,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.002417895942926407},{"word":"u","start":260.73502,"end":260.89502,"confidence":0.9953864,"punctuated_word":"u","sentiment":"neutral","sentiment_score":0.00438340287655592},{"word":"that","start":260.89502,"end":261.215,"confidence":0.88183916,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.004032205790281296},{"word":"i","start":261.215,"end":261.375,"confidence":0.99923265,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005766520276665688},{"word":"own","start":261.375,"end":261.775,"confidence":0.9158584,"punctuated_word":"own,","sentiment":"neutral","sentiment_score":-0.0027286503463983536},{"word":"which","start":261.775,"end":262.17502,"confidence":0.9917738,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0022183507680892944},{"word":"is","start":262.17502,"end":262.415,"confidence":0.9966434,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00366189144551754},{"word":"probably","start":262.415,"end":262.915,"confidence":0.9983808,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.000431649386882782},{"word":"worth","start":263.055,"end":263.555,"confidence":0.998713,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.0019579753279685974},{"word":"$3,538,000","start":263.695,"end":265.795,"confidence":0.98314935,"punctuated_word":"$3,538,000.","sentiment":"neutral","sentiment_score":-0.00007451623969245702},{"word":"yep","start":276.12,"end":276.36002,"confidence":0.756174,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.011762749403715134},{"word":"yeah","start":276.36002,"end":276.68,"confidence":0.99422383,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01277192309498787},{"word":"well","start":276.68,"end":277.16,"confidence":0.97997284,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.0027815699577331543},{"word":"say","start":277.16,"end":277.4,"confidence":0.45893136,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.008386660367250443},{"word":"the","start":277.4,"end":277.56,"confidence":0.54953355,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01243945024907589},{"word":"other","start":277.56,"end":277.80002,"confidence":0.97198594,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.010436970740556715},{"word":"the","start":277.80002,"end":277.96002,"confidence":0.9577938,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00983826071023941},{"word":"other","start":277.96002,"end":278.2,"confidence":0.9993882,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.013818150386214256},{"word":"one","start":278.2,"end":278.44,"confidence":0.9989157,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.010079197585582731},{"word":"that","start":278.44,"end":278.6,"confidence":0.97565347,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.002347715198993683},{"word":"is","start":278.6,"end":278.76,"confidence":0.8070506,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.004598405212163925},{"word":"the","start":278.84,"end":279.0,"confidence":0.9984823,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008526826277375221},{"word":"other","start":279.0,"end":279.24002,"confidence":0.99932563,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.01018376275897026},{"word":"one","start":279.24002,"end":279.48,"confidence":0.99943167,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.005516115576028824},{"word":"i","start":279.48,"end":279.72,"confidence":0.92360365,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.015729833394289017},{"word":"sold","start":279.72,"end":280.22,"confidence":0.9629881,"punctuated_word":"sold,","sentiment":"neutral","sentiment_score":-0.014642506837844849},{"word":"but","start":280.66498,"end":280.905,"confidence":0.9997075,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.008950846269726753},{"word":"i","start":280.905,"end":281.22498,"confidence":0.9996755,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.011724058538675308},{"word":"have","start":281.22498,"end":281.465,"confidence":0.9887822,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.008348725736141205},{"word":"an","start":281.465,"end":281.625,"confidence":0.820074,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.002965439110994339},{"word":"ovation","start":281.625,"end":282.125,"confidence":0.38144943,"punctuated_word":"ovation","sentiment":"neutral","sentiment_score":0.014668745920062063},{"word":"vehicle","start":282.26498,"end":282.585,"confidence":0.8295088,"punctuated_word":"vehicle,","sentiment":"neutral","sentiment_score":0.005495654419064522},{"word":"which","start":282.585,"end":282.905,"confidence":0.99986005,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0018322914838790896},{"word":"is","start":282.905,"end":283.065,"confidence":0.9983481,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0015454962849617004},{"word":"probably","start":283.065,"end":283.54498,"confidence":0.9993343,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.003697190433740616},{"word":"about","start":283.54498,"end":284.04498,"confidence":0.9941168,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.004677889868617058},{"word":"two","start":284.66498,"end":284.905,"confidence":0.98432493,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0006443392485380173},{"word":"years","start":284.905,"end":285.305,"confidence":0.99978226,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.004721455276012421},{"word":"there's","start":285.78497,"end":285.94498,"confidence":0.8921435,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.004098867531865835},{"word":"probably","start":285.94498,"end":286.345,"confidence":0.9935207,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.00007018819451332092},{"word":"approximately","start":286.345,"end":286.845,"confidence":0.97806484,"punctuated_word":"approximately","sentiment":"neutral","sentiment_score":-0.0010689012706279757},{"word":"two","start":287.065,"end":287.305,"confidence":0.99529415,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0015617571771144867},{"word":"years","start":287.305,"end":287.625,"confidence":0.99973863,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.010638473555445673},{"word":"in","start":287.625,"end":287.865,"confidence":0.9542517,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.007216563448309898},{"word":"in","start":287.865,"end":288.185,"confidence":0.9921399,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.008086185902357101},{"word":"lease","start":288.185,"end":288.685,"confidence":0.9913088,"punctuated_word":"lease","sentiment":"neutral","sentiment_score":0.008996943011879921},{"word":"of","start":289.305,"end":289.54498,"confidence":0.45322856,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004637259989976883},{"word":"three","start":289.54498,"end":289.78497,"confidence":0.9947413,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.003598041832447052},{"word":"years","start":289.78497,"end":290.185,"confidence":0.99974304,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.011409632861614227},{"word":"left","start":290.185,"end":290.50497,"confidence":0.9866462,"punctuated_word":"left","sentiment":"neutral","sentiment_score":-0.0016151480376720428},{"word":"in","start":290.50497,"end":290.66498,"confidence":0.7753398,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.004036184400320053},{"word":"that","start":290.66498,"end":291.16498,"confidence":0.89219594,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.003957351669669151},{"word":"and","start":291.38498,"end":291.625,"confidence":0.99933475,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00031066499650478363},{"word":"then","start":291.625,"end":292.125,"confidence":0.9995865,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.0008550211787223816},{"word":"i","start":292.185,"end":292.425,"confidence":0.99814963,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0016580894589424131},{"word":"own","start":292.425,"end":292.66498,"confidence":0.97982913,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.0023039616644382477},{"word":"the","start":292.66498,"end":292.82498,"confidence":0.99913675,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.002554990351200104},{"word":"other","start":292.82498,"end":293.145,"confidence":0.9998147,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.008964765816926956},{"word":"one","start":293.145,"end":293.645,"confidence":0.99767065,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.0048460159450769424},{"word":"no","start":301.19,"end":301.69,"confidence":0.9376465,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0633329302072525},{"word":"no","start":309.165,"end":309.565,"confidence":0.77881587,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09229319542646408},{"word":"to","start":309.565,"end":309.64502,"confidence":0.9936248,"punctuated_word":"To","sentiment":"neutral","sentiment_score":-0.08735289424657822},{"word":"be","start":309.64502,"end":309.805,"confidence":0.99979526,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0890788808465004},{"word":"honest","start":309.805,"end":310.125,"confidence":0.99338406,"punctuated_word":"honest,","sentiment":"neutral","sentiment_score":-0.11031297594308852},{"word":"i","start":310.125,"end":310.36502,"confidence":0.9985135,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12473287433385848},{"word":"did","start":310.36502,"end":310.525,"confidence":0.9955888,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.11468057334423064},{"word":"not","start":310.525,"end":310.92502,"confidence":0.99950397,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08722289651632309},{"word":"know","start":310.92502,"end":311.42502,"confidence":0.9262425,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.11059938371181488},{"word":"i","start":316.285,"end":316.445,"confidence":0.7239125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06074930727481842},{"word":"do","start":316.445,"end":316.605,"confidence":0.86364,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.061694368720054626},{"word":"i","start":317.085,"end":317.245,"confidence":0.46921197,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04779873043298721},{"word":"was","start":317.245,"end":317.48502,"confidence":0.94176185,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.059015486389398575},{"word":"speaking","start":317.48502,"end":317.885,"confidence":0.9962405,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":-0.02645004540681839},{"word":"about","start":317.885,"end":318.045,"confidence":0.99924624,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.04151225835084915},{"word":"it","start":318.045,"end":318.20502,"confidence":0.9973636,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04478487744927406},{"word":"actually","start":318.20502,"end":318.605,"confidence":0.75813633,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.043459732085466385},{"word":"two","start":318.605,"end":318.765,"confidence":0.80320346,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.04651973396539688},{"word":"weeks","start":318.765,"end":319.085,"confidence":0.99967575,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":-0.028704337775707245},{"word":"ago","start":319.085,"end":319.405,"confidence":0.9916073,"punctuated_word":"ago","sentiment":"neutral","sentiment_score":-0.02654679119586945},{"word":"to","start":319.405,"end":319.64502,"confidence":0.99379516,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03683026880025864},{"word":"a","start":319.64502,"end":319.805,"confidence":0.993638,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0448865108191967},{"word":"guy","start":319.805,"end":320.28,"confidence":0.8943647,"punctuated_word":"guy,","sentiment":"neutral","sentiment_score":-0.0439579114317894},{"word":"and","start":320.28,"end":320.44,"confidence":0.9983103,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.046164341270923615},{"word":"i","start":320.44,"end":320.6,"confidence":0.831658,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.047242842614650726},{"word":"said","start":320.6,"end":320.76,"confidence":0.98808926,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.05068723112344742},{"word":"my","start":320.76,"end":321.0,"confidence":0.90707195,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.09047631919384004},{"word":"wife","start":321.0,"end":321.47998,"confidence":0.9986664,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":-0.136296346783638},{"word":"would","start":321.47998,"end":321.96,"confidence":0.4324234,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.18926946818828583},{"word":"need","start":321.96,"end":322.12,"confidence":0.50393414,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.18161210417747495},{"word":"to","start":322.12,"end":322.2,"confidence":0.9982986,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19805261492729187},{"word":"get","start":322.2,"end":322.44,"confidence":0.99959856,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.17449888586997986},{"word":"her","start":322.44,"end":322.6,"confidence":0.54415184,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.2177463471889496},{"word":"fingers","start":322.6,"end":323.0,"confidence":0.9815672,"punctuated_word":"fingers","sentiment":"neutral","sentiment_score":-0.15045885741710663},{"word":"right","start":323.0,"end":323.32,"confidence":0.80827665,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.16754090785980225},{"word":"so","start":323.32,"end":323.56,"confidence":0.99924684,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1095372587442398},{"word":"i","start":323.56,"end":323.72,"confidence":0.9986743,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16081038117408752},{"word":"i","start":323.72,"end":323.96,"confidence":0.96372354,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16221602261066437},{"word":"do","start":323.96,"end":324.12,"confidence":0.99555534,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1120133101940155},{"word":"need","start":324.12,"end":324.36,"confidence":0.9979638,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.076859250664711},{"word":"to","start":324.36,"end":324.44,"confidence":0.999501,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10319112986326218},{"word":"pursue","start":324.44,"end":324.84,"confidence":0.9970149,"punctuated_word":"pursue","sentiment":"neutral","sentiment_score":-0.09130294620990752},{"word":"that","start":324.84,"end":325.08,"confidence":0.85445404,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.09406079351902008},{"word":"definitely","start":325.08,"end":325.58,"confidence":0.9955175,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.06645677983760834},{"word":"yeah","start":325.72,"end":326.22,"confidence":0.865414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13111230731010437},{"word":"yes","start":335.0,"end":335.415,"confidence":0.9629349,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13417448103427887},{"word":"okay","start":346.45502,"end":346.95502,"confidence":0.9717945,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09120896458625792},{"word":"right","start":347.015,"end":347.33502,"confidence":0.9980055,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.08228705823421478},{"word":"yes","start":347.33502,"end":347.83502,"confidence":0.9993218,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.048614501953125},{"word":"yep","start":359.65997,"end":360.15997,"confidence":0.85865223,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07098962366580963},{"word":"yeah","start":364.725,"end":365.205,"confidence":0.7340528,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.030682124197483063},{"word":"so","start":365.205,"end":365.685,"confidence":0.27931276,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.021043162792921063},{"word":"i'm","start":365.685,"end":365.925,"confidence":0.7949793,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0244266577064991},{"word":"there","start":365.925,"end":366.085,"confidence":0.7813637,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.03458721935749054},{"word":"just","start":366.085,"end":366.405,"confidence":0.9967424,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.024148907512426376},{"word":"a","start":366.405,"end":366.565,"confidence":0.95307946,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.017577413469552994},{"word":"just","start":366.565,"end":366.885,"confidence":0.9912736,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.016577430069446564},{"word":"a","start":366.885,"end":367.125,"confidence":0.9993948,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.006792277097702026},{"word":"question","start":367.125,"end":367.60498,"confidence":0.99767417,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.016168124973773956},{"word":"for","start":367.60498,"end":367.76498,"confidence":0.9988335,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.004813726991415024},{"word":"you","start":367.76498,"end":368.005,"confidence":0.9980661,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0272647961974144},{"word":"and","start":368.005,"end":368.165,"confidence":0.45854387,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.002154871821403503},{"word":"not","start":368.165,"end":368.32498,"confidence":0.83437294,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.022589977830648426},{"word":"tommy","start":368.32498,"end":368.805,"confidence":0.49738944,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":-0.023942753672599792},{"word":"just","start":368.805,"end":369.04498,"confidence":0.42697656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.015479348599910736},{"word":"for","start":369.04498,"end":369.205,"confidence":0.9872503,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.013479426503181458},{"word":"down","start":369.205,"end":369.525,"confidence":0.7625459,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.024379625916481015},{"word":"the","start":369.525,"end":369.60498,"confidence":0.97351086,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02944738045334816},{"word":"track","start":369.60498,"end":370.10498,"confidence":0.98048115,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":-0.00003550853580236435},{"word":"at","start":370.725,"end":370.965,"confidence":0.89400196,"punctuated_word":"At","sentiment":"neutral","sentiment_score":-0.01346399448812008},{"word":"what","start":370.965,"end":371.365,"confidence":0.99639744,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.012933231890201569},{"word":"at","start":371.365,"end":371.60498,"confidence":0.9906413,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01200103759765625},{"word":"what","start":371.60498,"end":371.925,"confidence":0.99975747,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.011934388428926468},{"word":"age","start":371.925,"end":372.425,"confidence":0.9984854,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.01368970051407814},{"word":"do","start":372.805,"end":373.04498,"confidence":0.97943497,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.037567317485809326},{"word":"kids","start":373.04498,"end":373.525,"confidence":0.9964232,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.007333148270845413},{"word":"do","start":373.60498,"end":373.845,"confidence":0.8985314,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0288456492125988},{"word":"your","start":373.845,"end":374.345,"confidence":0.7838314,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.017862696200609207},{"word":"kids","start":374.405,"end":374.805,"confidence":0.9404056,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.015989743173122406},{"word":"need","start":374.805,"end":375.04498,"confidence":0.9964761,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.011769425123929976},{"word":"to","start":375.04498,"end":375.125,"confidence":0.99731076,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.016173968091607094},{"word":"be","start":375.125,"end":375.445,"confidence":0.92423326,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.007339980453252792},{"word":"to","start":375.445,"end":375.76498,"confidence":0.948384,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002161238342523575},{"word":"to","start":375.76498,"end":376.005,"confidence":0.99337405,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0012672655284404757},{"word":"include","start":376.005,"end":376.405,"confidence":0.9997949,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.018233418464660645},{"word":"them","start":376.405,"end":376.645,"confidence":0.9988532,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.013597141951322556},{"word":"in","start":376.645,"end":376.805,"confidence":0.9840761,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.002992890775203705},{"word":"the","start":376.805,"end":376.885,"confidence":0.9951786,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008442994207143784},{"word":"will","start":376.885,"end":377.385,"confidence":0.85855436,"punctuated_word":"will?","sentiment":"neutral","sentiment_score":0.012441329658031464},{"word":"okay","start":382.59,"end":383.09,"confidence":0.9182994,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04703166335821152},{"word":"yep","start":386.51,"end":387.01,"confidence":0.9411018,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03984205797314644},{"word":"okay","start":393.88498,"end":394.28497,"confidence":0.8213269,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04180758446455002},{"word":"so","start":394.28497,"end":394.525,"confidence":0.99196386,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02844112552702427},{"word":"the","start":394.525,"end":394.685,"confidence":0.9964044,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.035005755722522736},{"word":"super","start":394.685,"end":395.00497,"confidence":0.8577407,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.05846381559967995},{"word":"end","start":395.00497,"end":395.245,"confidence":0.86412275,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.0600164569914341},{"word":"of","start":395.245,"end":395.32498,"confidence":0.7559047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.057997927069664},{"word":"it's","start":395.32498,"end":395.56497,"confidence":0.7889639,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04370551556348801},{"word":"when","start":395.56497,"end":395.72498,"confidence":0.6413595,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04392047971487045},{"word":"the","start":395.72498,"end":395.965,"confidence":0.3785448,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03704670071601868},{"word":"when","start":395.965,"end":396.125,"confidence":0.958852,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03481925278902054},{"word":"the","start":396.125,"end":396.28497,"confidence":0.48625627,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03621586412191391},{"word":"turn","start":396.28497,"end":396.60498,"confidence":0.8864294,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":0.041813936084508896},{"word":"18","start":396.60498,"end":397.10498,"confidence":0.91879445,"punctuated_word":"18.","sentiment":"neutral","sentiment_score":0.06414245814085007},{"word":"okay","start":397.16498,"end":397.66498,"confidence":0.99725485,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08851028233766556},{"word":"yes","start":404.28497,"end":404.78497,"confidence":0.87147784,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1448877453804016},{"word":"okay","start":409.36,"end":409.76,"confidence":0.9550497,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.14412125945091248},{"word":"so","start":409.76,"end":410.26,"confidence":0.8684334,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13981592655181885},{"word":"just","start":410.32,"end":410.56,"confidence":0.8681085,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14900004863739014},{"word":"leave","start":410.56,"end":410.8,"confidence":0.9831034,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.21312394738197327},{"word":"it","start":410.8,"end":410.96,"confidence":0.9947061,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1629060059785843},{"word":"as","start":410.96,"end":411.12,"confidence":0.9985928,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2887091040611267},{"word":"it","start":411.12,"end":411.19998,"confidence":0.9898233,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20969299972057345},{"word":"is","start":411.19998,"end":411.52,"confidence":0.6619433,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.19914494454860687},{"word":"that","start":411.52,"end":411.84,"confidence":0.3299022,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.14132601022720337},{"word":"for","start":411.91998,"end":412.16,"confidence":0.91748416,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10575440526008606},{"word":"my","start":412.16,"end":412.32,"confidence":0.9899121,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.18100278079509735},{"word":"wife","start":412.32,"end":412.63998,"confidence":0.9463234,"punctuated_word":"wife.","sentiment":"neutral","sentiment_score":0.15463490784168243},{"word":"yeah","start":412.63998,"end":413.13998,"confidence":0.7832432,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10391099750995636},{"word":"okay","start":418.0,"end":418.5,"confidence":0.98868775,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.043425917625427246},{"word":"yes","start":419.6,"end":419.91998,"confidence":0.9962325,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.15178775787353516},{"word":"that's","start":419.91998,"end":420.24,"confidence":0.99940413,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2864989638328552},{"word":"fine","start":420.24,"end":420.56,"confidence":0.9996615,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2980729937553406},{"word":"yep","start":420.56,"end":420.825,"confidence":0.8628845,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3947688043117523},{"word":"just","start":433.545,"end":433.945,"confidence":0.95182025,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.07428769767284393},{"word":"continue","start":433.945,"end":434.445,"confidence":0.6520823,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.08771662414073944},{"word":"until","start":434.505,"end":434.905,"confidence":0.7563989,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.08144784718751907},{"word":"if","start":434.905,"end":435.065,"confidence":0.6600848,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1017288863658905},{"word":"i","start":435.065,"end":435.14502,"confidence":0.9854952,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.123968705534935},{"word":"decide","start":435.14502,"end":435.545,"confidence":0.9889213,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.05731884017586708},{"word":"to","start":435.545,"end":435.785,"confidence":0.99949753,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09616660326719284},{"word":"change","start":435.785,"end":436.02502,"confidence":0.9997744,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.10871069133281708},{"word":"it","start":436.02502,"end":436.265,"confidence":0.9938612,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.13323825597763062},{"word":"yeah","start":436.265,"end":436.62,"confidence":0.8434139,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.272327721118927},{"word":"yep","start":441.02,"end":441.52,"confidence":0.8315626,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19633370637893677},{"word":"okay","start":442.78,"end":443.28,"confidence":0.95973396,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.22208711504936215},{"word":"yep","start":443.34,"end":443.74,"confidence":0.97956944,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2577137351036072},{"word":"fine","start":443.74,"end":444.24,"confidence":0.931776,"punctuated_word":"Fine.","sentiment":"positive","sentiment_score":0.5532740354537964},{"word":"no","start":452.965,"end":453.205,"confidence":0.9808634,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2248866856098175},{"word":"no","start":453.205,"end":453.445,"confidence":0.99769294,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06816021353006363},{"word":"i","start":453.445,"end":453.605,"confidence":0.99785346,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006630375981330872},{"word":"would","start":453.605,"end":453.845,"confidence":0.99899906,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.01574717089533806},{"word":"probably","start":453.845,"end":454.345,"confidence":0.9931098,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.02330150082707405},{"word":"i","start":454.965,"end":455.205,"confidence":0.99965084,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.017067812383174896},{"word":"wouldn't","start":455.205,"end":455.525,"confidence":0.9998834,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.020274100825190544},{"word":"say","start":455.525,"end":456.025,"confidence":0.9997396,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.02306698076426983},{"word":"every","start":456.565,"end":456.885,"confidence":0.9956754,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.010312607511878014},{"word":"week","start":456.885,"end":457.205,"confidence":0.9466237,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":-0.014603031799197195},{"word":"but","start":457.205,"end":457.525,"confidence":0.9996464,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.013879233971238136},{"word":"probably","start":457.525,"end":458.025,"confidence":0.9455783,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.020847031846642498},{"word":"once","start":458.325,"end":458.565,"confidence":0.9351499,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.00528704933822155},{"word":"a","start":458.565,"end":458.725,"confidence":0.99970895,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.005676044151186943},{"word":"month","start":458.725,"end":458.965,"confidence":0.83452594,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":0.014776397496461868},{"word":"i","start":458.965,"end":459.125,"confidence":0.756268,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04056686535477638},{"word":"would","start":459.125,"end":459.285,"confidence":0.9990441,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.02753422036767006},{"word":"have","start":459.285,"end":459.525,"confidence":0.9996295,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03382471203804016},{"word":"a","start":459.525,"end":459.605,"confidence":0.99651957,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03870166838169098},{"word":"look","start":459.605,"end":459.845,"confidence":0.9998406,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.040762633085250854},{"word":"at","start":459.845,"end":460.005,"confidence":0.9972289,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06523393839597702},{"word":"it","start":460.005,"end":460.085,"confidence":0.99622476,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04819030314683914},{"word":"just","start":460.085,"end":460.325,"confidence":0.977621,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05089585483074188},{"word":"to","start":460.325,"end":460.485,"confidence":0.51010686,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04965994507074356},{"word":"see","start":460.485,"end":460.725,"confidence":0.9931126,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06419972330331802},{"word":"how","start":460.725,"end":460.965,"confidence":0.9657447,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05085963755846024},{"word":"it's","start":460.965,"end":461.205,"confidence":0.9964752,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05325080454349518},{"word":"going","start":461.205,"end":461.705,"confidence":0.9962826,"punctuated_word":"going.","sentiment":"neutral","sentiment_score":0.13444365561008453},{"word":"well","start":466.91998,"end":467.08,"confidence":0.750764,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.04411832615733147},{"word":"you","start":467.08,"end":467.32,"confidence":0.99695456,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06433626264333725},{"word":"know","start":467.32,"end":467.4,"confidence":0.9961708,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.042175956070423126},{"word":"yes","start":467.63998,"end":467.96,"confidence":0.9608325,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":-0.02290358394384384},{"word":"you","start":467.96,"end":468.04,"confidence":0.9979017,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.0632353276014328},{"word":"know","start":468.04,"end":468.28,"confidence":0.998809,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06539296358823776},{"word":"you","start":468.28,"end":468.36,"confidence":0.96735716,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0813390463590622},{"word":"know","start":468.36,"end":468.6,"confidence":0.99987745,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06174685060977936},{"word":"absolutely","start":468.6,"end":469.1,"confidence":0.8961017,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":-0.09945876896381378},{"word":"with","start":469.32,"end":469.82,"confidence":0.74768615,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.11461733281612396},{"word":"the","start":470.28,"end":470.44,"confidence":0.9820209,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07997852563858032},{"word":"the","start":470.44,"end":470.6,"confidence":0.9863581,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07540969550609589},{"word":"the","start":470.6,"end":470.68,"confidence":0.49622276,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07176602631807327},{"word":"i","start":470.68,"end":470.84,"confidence":0.6104831,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08591899275779724},{"word":"i","start":470.84,"end":471.16,"confidence":0.5249147,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09665897488594057},{"word":"iranian","start":471.32,"end":471.8,"confidence":0.9193171,"punctuated_word":"Iranian","sentiment":"neutral","sentiment_score":-0.11899375915527344},{"word":"stuff","start":471.8,"end":472.12,"confidence":0.98975974,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.16070318222045898},{"word":"and","start":472.12,"end":472.19998,"confidence":0.8931233,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07750368118286133},{"word":"that","start":472.19998,"end":472.36,"confidence":0.9010707,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0777948722243309},{"word":"going","start":472.36,"end":472.68,"confidence":0.93439776,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.09853320568799973},{"word":"on","start":472.68,"end":472.84,"confidence":0.7976573,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.10839005559682846},{"word":"you","start":472.84,"end":473.0,"confidence":0.99872905,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1301821768283844},{"word":"know","start":473.0,"end":473.08,"confidence":0.9992163,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.11393965035676956},{"word":"you're","start":473.08,"end":473.32,"confidence":0.9475612,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.1952023208141327},{"word":"gonna","start":473.32,"end":473.63998,"confidence":0.8884098,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.16986548900604248},{"word":"get","start":473.63998,"end":473.8,"confidence":0.99580294,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.18768201768398285},{"word":"a","start":473.8,"end":473.88,"confidence":0.97957397,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12221968173980712},{"word":"hit","start":473.88,"end":474.38,"confidence":0.92524135,"punctuated_word":"hit.","sentiment":"neutral","sentiment_score":-0.10978257656097412},{"word":"yes","start":487.445,"end":487.71,"confidence":0.9916724,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.17352238297462463},{"word":"yes","start":502.59,"end":502.905,"confidence":0.9928232,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.06515523791313171},{"word":"yes","start":506.26498,"end":506.585,"confidence":0.9934925,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.02508542686700821},{"word":"yes","start":506.585,"end":506.825,"confidence":0.97070515,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.018773235380649567},{"word":"uh-huh","start":506.825,"end":507.325,"confidence":0.99542636,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":-0.0007225286099128425},{"word":"yes","start":519.78,"end":520.02,"confidence":0.99592316,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.028184089809656143},{"word":"well","start":520.02,"end":520.26,"confidence":0.9809649,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.03009832836687565},{"word":"that","start":520.26,"end":520.42004,"confidence":0.9981559,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0537300743162632},{"word":"would","start":520.42004,"end":520.58,"confidence":0.9993293,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.056874632835388184},{"word":"be","start":520.58,"end":520.82,"confidence":0.9992779,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.02680162340402603},{"word":"my","start":520.82,"end":521.06,"confidence":0.8340205,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.04514463245868683},{"word":"plan","start":521.06,"end":521.46,"confidence":0.9160541,"punctuated_word":"plan.","sentiment":"neutral","sentiment_score":0.030528292059898376},{"word":"yeah","start":521.46,"end":521.96,"confidence":0.8725251,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.042843252420425415},{"word":"yes","start":531.41504,"end":531.91504,"confidence":0.979824,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.029299981892108917},{"word":"uh-huh","start":532.455,"end":532.955,"confidence":0.9440468,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":0.01100266259163618},{"word":"yes","start":549.72003,"end":550.22003,"confidence":0.9907752,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.008803177624940872},{"word":"yes","start":550.52,"end":551.02,"confidence":0.8410629,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.10994083434343338},{"word":"yes","start":563.66504,"end":564.065,"confidence":0.9958862,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.03413451835513115},{"word":"uh-huh","start":564.065,"end":564.565,"confidence":0.9956919,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":-0.051432497799396515},{"word":"yes","start":572.91,"end":573.41,"confidence":0.93566215,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04628828912973404},{"word":"yeah","start":582.99,"end":583.49,"confidence":0.7571564,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028304601088166237},{"word":"mhmm","start":587.47,"end":587.97,"confidence":0.99487376,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.01609860733151436},{"word":"what","start":588.555,"end":589.055,"confidence":0.4588719,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.009819507598876951},{"word":"listen","start":596.635,"end":597.135,"confidence":0.8425492,"punctuated_word":"listen.","sentiment":"neutral","sentiment_score":-0.015530673786997797},{"word":"probably","start":597.195,"end":597.695,"confidence":0.9261817,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.03444739431142807},{"word":"probably","start":598.075,"end":598.395,"confidence":0.9641871,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.05298028141260147},{"word":"if","start":598.395,"end":598.635,"confidence":0.7378356,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04457741975784302},{"word":"i","start":598.635,"end":598.795,"confidence":0.96726626,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04639138653874397},{"word":"come","start":598.795,"end":599.035,"confidence":0.31013665,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.04621218889951706},{"word":"to","start":599.035,"end":599.195,"confidence":0.95127714,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06232665851712227},{"word":"retirement","start":599.195,"end":599.695,"confidence":0.98554873,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":-0.050805386155843735},{"word":"i","start":599.755,"end":599.915,"confidence":0.99236894,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04568405821919441},{"word":"would","start":599.915,"end":600.15497,"confidence":0.99955684,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.035904571413993835},{"word":"probably","start":600.15497,"end":600.475,"confidence":0.9988475,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.04274456202983856},{"word":"be","start":600.475,"end":600.635,"confidence":0.99898523,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.04502923786640167},{"word":"using","start":600.635,"end":601.115,"confidence":0.9992136,"punctuated_word":"using","sentiment":"neutral","sentiment_score":-0.03598792850971222},{"word":"something","start":601.115,"end":601.595,"confidence":0.99947494,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.03771035745739937},{"word":"to","start":601.595,"end":602.095,"confidence":0.6975199,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0720401331782341},{"word":"pay","start":603.76,"end":603.84,"confidence":0.854086,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.0817725658416748},{"word":"the","start":603.84,"end":604.08,"confidence":0.9905014,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07796362042427063},{"word":"mortgage","start":604.08,"end":604.56,"confidence":0.99933225,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.06180555373430252},{"word":"off","start":604.56,"end":605.06,"confidence":0.9906969,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.04375274479389191},{"word":"so","start":606.0,"end":606.5,"confidence":0.998418,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004361849278211594},{"word":"at","start":606.64,"end":606.8,"confidence":0.9475344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01791679859161377},{"word":"at","start":606.8,"end":606.88,"confidence":0.7172623,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.021036915481090546},{"word":"this","start":606.88,"end":607.12,"confidence":0.99892443,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0006810203194618225},{"word":"point","start":607.12,"end":607.44,"confidence":0.9888748,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":-0.011025678366422651},{"word":"i'm","start":607.44,"end":607.84,"confidence":0.7758305,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.022751187905669212},{"word":"probably","start":607.84,"end":608.24,"confidence":0.9936386,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.039766713976860046},{"word":"looking","start":608.24,"end":608.64,"confidence":0.9892776,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.03908005729317665},{"word":"like","start":608.64,"end":608.88,"confidence":0.66615033,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.03780678287148475},{"word":"if","start":609.04,"end":609.54,"confidence":0.7112579,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02070719748735428},{"word":"probably","start":610.16003,"end":610.66003,"confidence":0.50138956,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.05266038700938225},{"word":"if","start":611.2,"end":611.32,"confidence":0.49864963,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04321917146444321},{"word":"i","start":611.32,"end":611.44,"confidence":0.99273986,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0473640002310276},{"word":"have","start":611.44,"end":611.6,"confidence":0.99910575,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07112333178520203},{"word":"another","start":611.6,"end":612.1,"confidence":0.99960357,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.057026639580726624},{"word":"three","start":612.88,"end":613.12,"confidence":0.99127567,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.05641322582960129},{"word":"years","start":613.12,"end":613.62,"confidence":0.7813742,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.05024762451648712},{"word":"just","start":613.76,"end":614.16003,"confidence":0.9979085,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05509395524859429},{"word":"if","start":614.16003,"end":614.32,"confidence":0.72115034,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.053532712161540985},{"word":"that","start":614.32,"end":614.48,"confidence":0.67451257,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.036984045058488846},{"word":"i'm","start":614.56,"end":614.72003,"confidence":0.9995922,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03869997709989548},{"word":"not","start":614.72003,"end":614.88,"confidence":0.99977964,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.048160865902900696},{"word":"saying","start":614.88,"end":615.2,"confidence":0.96261704,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.05678832903504371},{"word":"i","start":615.2,"end":615.36,"confidence":0.9875695,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05501503124833107},{"word":"will","start":615.36,"end":615.6,"confidence":0.9963243,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.05737333372235298},{"word":"at","start":615.6,"end":615.76,"confidence":0.98245883,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.046080343425273895},{"word":"60","start":615.76,"end":616.24,"confidence":0.8972906,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":-0.04791880398988724},{"word":"but","start":616.24,"end":616.64,"confidence":0.9992787,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.04077152535319328},{"word":"if","start":616.64,"end":616.8,"confidence":0.99428695,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.035756759345531464},{"word":"i'm","start":616.8,"end":617.04,"confidence":0.99985576,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.01994326338171959},{"word":"looking","start":617.04,"end":617.36,"confidence":0.99947864,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.015291728079319},{"word":"at","start":617.36,"end":617.6,"confidence":0.9994566,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0043686144053936005},{"word":"60","start":617.6,"end":618.1,"confidence":0.99949956,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.0052367523312568665},{"word":"and","start":618.285,"end":618.785,"confidence":0.91918004,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.030484244227409363},{"word":"you","start":620.045,"end":620.125,"confidence":0.9992305,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05434499680995941},{"word":"know","start":620.125,"end":620.285,"confidence":0.9923693,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.03144126012921333},{"word":"actually","start":620.285,"end":620.785,"confidence":0.52691287,"punctuated_word":"actually,","sentiment":"neutral","sentiment_score":-0.02637667953968048},{"word":"say","start":620.925,"end":621.245,"confidence":0.87677836,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.007528264075517654},{"word":"three","start":621.245,"end":621.485,"confidence":0.98798263,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.007102660834789276},{"word":"years","start":621.485,"end":621.805,"confidence":0.9993623,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.010593302547931671},{"word":"for","start":621.805,"end":621.96497,"confidence":0.98891735,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.029680095613002777},{"word":"me","start":621.96497,"end":622.20496,"confidence":0.999861,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.020405374467372894},{"word":"roughly","start":622.20496,"end":622.70496,"confidence":0.6572951,"punctuated_word":"roughly,","sentiment":"neutral","sentiment_score":-0.02578283473849297},{"word":"well","start":623.08496,"end":623.40497,"confidence":0.7630167,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.01053176075220108},{"word":"or","start":623.40497,"end":623.565,"confidence":0.9652577,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.007811658084392548},{"word":"61","start":623.565,"end":624.365,"confidence":0.94962436,"punctuated_word":"61,","sentiment":"neutral","sentiment_score":0.003393580671399832},{"word":"whatever","start":624.365,"end":624.865,"confidence":0.8972145,"punctuated_word":"whatever,","sentiment":"neutral","sentiment_score":-0.007304251194000244},{"word":"if","start":625.88495,"end":626.045,"confidence":0.81114024,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0009374357759952544},{"word":"you","start":626.045,"end":626.285,"confidence":0.97867864,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0066439807415008545},{"word":"if","start":626.285,"end":626.605,"confidence":0.95850164,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.007878731936216354},{"word":"you","start":626.605,"end":627.105,"confidence":0.99840564,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008405402302742004},{"word":"could","start":627.165,"end":627.32495,"confidence":0.99086565,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.025598883628845215},{"word":"try","start":627.32495,"end":627.64496,"confidence":0.96435434,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.012070007622241974},{"word":"and","start":627.64496,"end":627.805,"confidence":0.99619126,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01066732406616211},{"word":"get","start":627.805,"end":628.045,"confidence":0.99967754,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.007285133004188538},{"word":"to","start":628.045,"end":628.545,"confidence":0.9370921,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03664499893784523},{"word":"your","start":629.00494,"end":629.32495,"confidence":0.99476904,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.022223100066185},{"word":"900","start":629.32495,"end":630.125,"confidence":0.9996947,"punctuated_word":"900","sentiment":"neutral","sentiment_score":0.03973069041967392},{"word":"or","start":630.125,"end":630.285,"confidence":0.99836785,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.015762820839881897},{"word":"whatever","start":630.285,"end":630.785,"confidence":0.9992755,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":-0.008214950561523438},{"word":"by","start":630.845,"end":631.08496,"confidence":0.9925333,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.009364832192659378},{"word":"then","start":631.08496,"end":631.58496,"confidence":0.71711457,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.0033021308481693268},{"word":"yeah","start":638.12,"end":638.62,"confidence":0.99161804,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07248887419700623},{"word":"yes","start":640.84,"end":641.34,"confidence":0.9977053,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.204830065369606},{"word":"mhmm","start":654.265,"end":654.425,"confidence":0.8844174,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05836121737957001},{"word":"yep","start":654.425,"end":654.925,"confidence":0.82452625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09222716093063354},{"word":"yes","start":670.16,"end":670.48,"confidence":0.980145,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11358916759490968},{"word":"yes","start":670.48,"end":670.98,"confidence":0.75315267,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1004182994365692},{"word":"yeah","start":673.575,"end":673.815,"confidence":0.84523714,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11155889928340912},{"word":"that's","start":673.815,"end":674.135,"confidence":0.9939539,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10630743205547331},{"word":"that's","start":674.135,"end":674.455,"confidence":0.99476266,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08350535482168198},{"word":"sort","start":674.455,"end":674.695,"confidence":0.986187,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09174962341785432},{"word":"of","start":674.695,"end":674.775,"confidence":0.8960215,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07924563437700272},{"word":"where","start":674.775,"end":674.935,"confidence":0.9944687,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.05666608735918999},{"word":"where","start":674.935,"end":675.17505,"confidence":0.9866651,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.06221405789256096},{"word":"i","start":675.17505,"end":675.335,"confidence":0.9381926,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0931057557463646},{"word":"would","start":675.335,"end":675.495,"confidence":0.99862003,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.10745617747306824},{"word":"like","start":675.495,"end":675.73505,"confidence":0.99934536,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0975007340312004},{"word":"to","start":675.73505,"end":675.895,"confidence":0.9968869,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09155163168907166},{"word":"be","start":675.895,"end":676.135,"confidence":0.99954957,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08473673462867737},{"word":"if","start":676.135,"end":676.29504,"confidence":0.6476883,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12432798743247986},{"word":"possible","start":676.29504,"end":676.775,"confidence":0.99338114,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.0973201021552086},{"word":"yeah","start":676.775,"end":677.275,"confidence":0.93806016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14451554417610168},{"word":"yes","start":693.01996,"end":693.42,"confidence":0.99713695,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.042302679270505905},{"word":"uh-huh","start":693.42,"end":693.92,"confidence":0.9977175,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":0.060271985828876495},{"word":"yes","start":701.81995,"end":702.195,"confidence":0.99895847,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1465601623058319},{"word":"yes","start":715.635,"end":716.135,"confidence":0.9988104,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.293631911277771},{"word":"yep","start":722.93,"end":723.43,"confidence":0.988547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2039995789527893},{"word":"yes","start":728.61,"end":729.11,"confidence":0.997459,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.3126899003982544},{"word":"yes","start":742.135,"end":742.635,"confidence":0.83350146,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.3228723406791687},{"word":"okay","start":746.98,"end":747.38,"confidence":0.98564786,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.17731259763240814},{"word":"yes","start":747.38,"end":747.86,"confidence":0.9972411,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.15995195508003235},{"word":"so","start":747.86,"end":748.26,"confidence":0.99849904,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12368543446063995},{"word":"so","start":748.26,"end":748.74,"confidence":0.9861427,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11897913366556168},{"word":"probably","start":748.74,"end":749.24,"confidence":0.59757507,"punctuated_word":"probably,","sentiment":"neutral","sentiment_score":0.10646440088748932},{"word":"i'm","start":749.3,"end":749.46,"confidence":0.47297567,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.11512648314237596},{"word":"saying","start":749.46,"end":749.7,"confidence":0.63833773,"punctuated_word":"saying,","sentiment":"neutral","sentiment_score":0.14521880447864532},{"word":"taking","start":749.7,"end":750.1,"confidence":0.6276555,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.1316448152065277},{"word":"your","start":750.1,"end":750.6,"confidence":0.99375325,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.157372385263443},{"word":"honest","start":750.66,"end":751.14,"confidence":0.9981061,"punctuated_word":"honest","sentiment":"neutral","sentiment_score":0.1595064103603363},{"word":"advice","start":751.14,"end":751.54,"confidence":0.78617203,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.1804446280002594},{"word":"probably","start":751.54,"end":752.04,"confidence":0.72272545,"punctuated_word":"probably,","sentiment":"neutral","sentiment_score":0.1745266616344452},{"word":"as","start":752.18,"end":752.33997,"confidence":0.9860247,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18133053183555603},{"word":"you're","start":752.33997,"end":752.5,"confidence":0.98091334,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.13774216175079346},{"word":"saying","start":752.5,"end":752.74,"confidence":0.969937,"punctuated_word":"saying,","sentiment":"neutral","sentiment_score":0.12793123722076416},{"word":"i'm","start":752.74,"end":752.89996,"confidence":0.9493145,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.11949016898870468},{"word":"probably","start":752.89996,"end":753.39996,"confidence":0.99786514,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.14525382220745087},{"word":"cheaper","start":754.58,"end":754.98,"confidence":0.3785839,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.02868334949016571},{"word":"dropping","start":754.98,"end":755.3,"confidence":0.8021003,"punctuated_word":"dropping","sentiment":"neutral","sentiment_score":0.0010856688022613523},{"word":"the","start":755.3,"end":755.46,"confidence":0.47771183,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05663433670997619},{"word":"dynapeg","start":755.46,"end":755.96,"confidence":0.6989222,"punctuated_word":"DynaPeg","sentiment":"neutral","sentiment_score":0.03005392849445343},{"word":"to","start":756.1,"end":756.33997,"confidence":0.9550863,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.006398901343345642},{"word":"a","start":756.33997,"end":756.5,"confidence":0.82376754,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12769988179206848},{"word":"medium","start":756.5,"end":757.0,"confidence":0.9958215,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":0.0840701162815094},{"word":"level","start":757.14,"end":757.62,"confidence":0.9991677,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.08710064738988876},{"word":"risk","start":757.62,"end":758.02,"confidence":0.9849962,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":0.007554326206445694},{"word":"yeah","start":758.02,"end":758.52,"confidence":0.9598638,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.04323152080178261},{"word":"yes","start":759.47504,"end":759.97504,"confidence":0.98772794,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12927834689617157},{"word":"okay","start":773.635,"end":774.0,"confidence":0.9930687,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0636918842792511},{"word":"yes","start":774.24,"end":774.4,"confidence":0.9960723,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08629468083381653},{"word":"yeah","start":774.4,"end":774.56,"confidence":0.9988625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08952732384204865},{"word":"well","start":774.56,"end":774.88,"confidence":0.97976077,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.12531061470508575},{"word":"that","start":774.88,"end":774.95996,"confidence":0.990021,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19569161534309387},{"word":"that's","start":775.04,"end":775.28,"confidence":0.999871,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.18340270221233368},{"word":"fair","start":775.28,"end":775.52,"confidence":0.870237,"punctuated_word":"fair","sentiment":"neutral","sentiment_score":0.1640276163816452},{"word":"enough","start":775.52,"end":776.0,"confidence":0.9535994,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":0.20865945518016815},{"word":"maybe","start":776.0,"end":776.4,"confidence":0.40566394,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":0.19543296098709104},{"word":"we'll","start":776.4,"end":776.56,"confidence":0.9657918,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1806341856718063},{"word":"go","start":776.56,"end":776.72,"confidence":0.99714583,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.202224463224411},{"word":"with","start":776.72,"end":776.88,"confidence":0.99655354,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1568484008312225},{"word":"that","start":776.88,"end":777.12,"confidence":0.98037374,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.18646445870399475},{"word":"yep","start":777.12,"end":777.62,"confidence":0.7948821,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1731492131948471},{"word":"yes","start":783.68,"end":784.18,"confidence":0.8383281,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.16420641541481018},{"word":"mhmm","start":785.84,"end":786.34,"confidence":0.9971789,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07222728431224823},{"word":"mhmm","start":801.585,"end":802.085,"confidence":0.9295852,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.043683018535375595},{"word":"yes","start":816.04,"end":816.405,"confidence":0.9925621,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1817260980606079},{"word":"okay","start":818.565,"end":819.04504,"confidence":0.9406735,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.3060084283351898},{"word":"yeah","start":819.04504,"end":819.54504,"confidence":0.85447323,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4530143141746521},{"word":"mhmm","start":828.405,"end":828.905,"confidence":0.9985959,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06202685832977295},{"word":"no","start":840.17,"end":840.41,"confidence":0.9597789,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10067057609558104},{"word":"it's","start":840.41,"end":840.57,"confidence":0.9981532,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.046414148062467575},{"word":"just","start":840.57,"end":840.81,"confidence":0.996944,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08605685830116272},{"word":"a","start":840.81,"end":841.13,"confidence":0.9330102,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05544872581958771},{"word":"it's","start":841.13,"end":841.45,"confidence":0.683923,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.039397232234478},{"word":"a","start":841.45,"end":841.52997,"confidence":0.9622658,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05692203342914581},{"word":"standard","start":841.52997,"end":841.93,"confidence":0.99772495,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":-0.06295610964298248},{"word":"actually","start":841.93,"end":842.33,"confidence":0.49839246,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.06698138266801834},{"word":"fortnightly","start":842.33,"end":842.83,"confidence":0.8789988,"punctuated_word":"fortnightly.","sentiment":"neutral","sentiment_score":-0.06125081703066826},{"word":"no","start":843.05,"end":843.20996,"confidence":0.975989,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14500151574611664},{"word":"and","start":843.20996,"end":843.52997,"confidence":0.96894944,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1245395690202713},{"word":"i","start":843.52997,"end":843.69,"confidence":0.9926443,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14543357491493225},{"word":"don't","start":843.69,"end":844.065,"confidence":0.96798974,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13326165080070496},{"word":"i","start":844.305,"end":844.545,"confidence":0.9648398,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20289131999015808},{"word":"don't","start":844.545,"end":845.025,"confidence":0.9931685,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1442166417837143},{"word":"pull","start":845.025,"end":845.34503,"confidence":0.9053498,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":-0.17820873856544495},{"word":"funds","start":845.34503,"end":845.745,"confidence":0.9926813,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.1578618735074997},{"word":"on","start":845.745,"end":845.905,"confidence":0.91876817,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.15194368362426758},{"word":"the","start":845.905,"end":846.065,"confidence":0.9983746,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17844536900520325},{"word":"offset","start":846.065,"end":846.565,"confidence":0.8517231,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":-0.16061615943908691},{"word":"notice","start":846.625,"end":847.105,"confidence":0.63834834,"punctuated_word":"notice.","sentiment":"neutral","sentiment_score":-0.157758429646492},{"word":"as","start":847.105,"end":847.265,"confidence":0.9888455,"punctuated_word":"As","sentiment":"neutral","sentiment_score":-0.14106351137161255},{"word":"as","start":847.265,"end":847.505,"confidence":0.9068622,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.10712338984012604},{"word":"i","start":847.505,"end":847.665,"confidence":0.8893756,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06495656073093414},{"word":"said","start":847.665,"end":847.905,"confidence":0.9756403,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.07801772654056549},{"word":"there","start":847.905,"end":848.145,"confidence":0.7637119,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.07572920620441437},{"word":"there's","start":848.145,"end":848.465,"confidence":0.9972701,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.07014535367488861},{"word":"probably","start":848.465,"end":848.965,"confidence":0.99925226,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.05455482751131058},{"word":"eight","start":850.545,"end":850.705,"confidence":0.9596474,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":-0.07731154561042786},{"word":"or","start":850.705,"end":850.945,"confidence":0.998245,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07913149893283844},{"word":"nine","start":850.945,"end":851.265,"confidence":0.9996238,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":-0.06726208329200745},{"word":"grams","start":851.265,"end":851.665,"confidence":0.6508694,"punctuated_word":"grams","sentiment":"neutral","sentiment_score":-0.07173813134431839},{"word":"sitting","start":851.665,"end":851.985,"confidence":0.99816066,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.04085640981793403},{"word":"there","start":851.985,"end":852.225,"confidence":0.97756773,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.09207061678171158},{"word":"i","start":852.225,"end":852.385,"confidence":0.9995485,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08788016438484192},{"word":"think","start":852.385,"end":852.885,"confidence":0.99712235,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":-0.06807947903871536},{"word":"yes","start":860.43,"end":860.83,"confidence":0.76654494,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.15425927937030792},{"word":"our","start":860.83,"end":861.23,"confidence":0.97699946,"punctuated_word":"Our","sentiment":"neutral","sentiment_score":0.1664947122335434},{"word":"fortnightly","start":861.23,"end":861.73,"confidence":0.97107273,"punctuated_word":"fortnightly","sentiment":"neutral","sentiment_score":0.18664246797561648},{"word":"repayments","start":861.95,"end":862.45,"confidence":0.9851446,"punctuated_word":"repayments","sentiment":"neutral","sentiment_score":0.22603489458560944},{"word":"are","start":862.91,"end":863.41,"confidence":0.9757145,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16163817048072815},{"word":"in","start":864.51,"end":864.67,"confidence":0.46885347,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18208067119121552},{"word":"around","start":864.67,"end":865.15,"confidence":0.9475578,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.17636579275131226},{"word":"$1,700","start":865.15,"end":866.61,"confidence":0.9959681,"punctuated_word":"$1,700.","sentiment":"neutral","sentiment_score":0.18851034343242645},{"word":"yes","start":872.135,"end":872.635,"confidence":0.73681134,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10643744468688963},{"word":"yes","start":875.095,"end":875.595,"confidence":0.9499146,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08904808759689331},{"word":"that's","start":885.00995,"end":885.25,"confidence":0.96223086,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.13578534126281738},{"word":"not","start":885.25,"end":885.41,"confidence":0.88202053,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.18963438272476196},{"word":"the","start":885.41,"end":885.56995,"confidence":0.93666595,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1868513822555542},{"word":"thing","start":885.56995,"end":885.97,"confidence":0.998035,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.17120787501335144},{"word":"too","start":885.97,"end":886.20996,"confidence":0.93836856,"punctuated_word":"too,","sentiment":"neutral","sentiment_score":-0.1842772364616394},{"word":"tommy","start":886.20996,"end":886.70996,"confidence":0.91033256,"punctuated_word":"Tommy,","sentiment":"neutral","sentiment_score":-0.1286643147468567},{"word":"that","start":886.76996,"end":887.17,"confidence":0.9755539,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14849212765693665},{"word":"that","start":887.17,"end":887.41,"confidence":0.99164164,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1357254534959793},{"word":"that","start":887.41,"end":887.56995,"confidence":0.88587236,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14924587309360504},{"word":"i'd","start":887.56995,"end":887.88995,"confidence":0.97159266,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.15717338025569916},{"word":"wonder","start":887.88995,"end":888.29,"confidence":0.97699547,"punctuated_word":"wonder","sentiment":"neutral","sentiment_score":-0.1932455748319626},{"word":"about","start":888.29,"end":888.69,"confidence":0.91636527,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":-0.2055643200874329},{"word":"to","start":888.69,"end":888.85,"confidence":0.99925727,"punctuated_word":"To","sentiment":"neutral","sentiment_score":-0.15746891498565674},{"word":"be","start":888.85,"end":889.00995,"confidence":0.9998134,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1677575558423996},{"word":"honest","start":889.00995,"end":889.32996,"confidence":0.99995565,"punctuated_word":"honest","sentiment":"neutral","sentiment_score":-0.13434460759162903},{"word":"with","start":889.32996,"end":889.56995,"confidence":0.9993869,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1525515764951706},{"word":"you","start":889.56995,"end":890.06995,"confidence":0.9984806,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.12649953365325928},{"word":"i","start":890.20996,"end":890.52997,"confidence":0.9997789,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12234248965978622},{"word":"used","start":890.52997,"end":890.85,"confidence":0.99847966,"punctuated_word":"used","sentiment":"neutral","sentiment_score":-0.12171827256679536},{"word":"to","start":890.85,"end":891.25,"confidence":0.9995994,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10518476366996764},{"word":"i","start":891.32996,"end":891.56995,"confidence":0.99989915,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12308182567358016},{"word":"know","start":891.56995,"end":891.88995,"confidence":0.999539,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.12065988779067992},{"word":"i","start":891.88995,"end":892.05,"confidence":0.9988236,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13120223581790924},{"word":"know","start":892.05,"end":892.20996,"confidence":0.99891317,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.13424131274223328},{"word":"the","start":892.20996,"end":892.44995,"confidence":0.99744344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1521865725517273},{"word":"threshold's","start":892.44995,"end":892.94995,"confidence":0.6406156,"punctuated_word":"threshold's","sentiment":"neutral","sentiment_score":-0.17902402579784393},{"word":"changed","start":893.17,"end":893.64996,"confidence":0.9860053,"punctuated_word":"changed.","sentiment":"neutral","sentiment_score":-0.14294078946113586},{"word":"i","start":893.64996,"end":893.81,"confidence":0.56523174,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1169678345322609},{"word":"used","start":893.81,"end":894.05,"confidence":0.9852667,"punctuated_word":"used","sentiment":"neutral","sentiment_score":-0.09668844938278198},{"word":"to","start":894.05,"end":894.20996,"confidence":0.93908954,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1037931889295578},{"word":"salary","start":894.20996,"end":894.70996,"confidence":0.7612565,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.23369036614894867},{"word":"sacrifice","start":894.93,"end":895.43,"confidence":0.8698803,"punctuated_word":"sacrifice.","sentiment":"neutral","sentiment_score":-0.13551443815231323},{"word":"i","start":896.05,"end":896.20996,"confidence":0.99987435,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.122406467795372},{"word":"can't","start":896.20996,"end":896.44995,"confidence":0.99994284,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1090695708990097},{"word":"remember","start":896.44995,"end":896.85,"confidence":0.9999155,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":-0.083030104637146},{"word":"exactly","start":896.85,"end":897.32996,"confidence":0.9928123,"punctuated_word":"exactly.","sentiment":"neutral","sentiment_score":-0.0986701175570488},{"word":"it","start":897.32996,"end":897.49,"confidence":0.99859506,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.09668216854333878},{"word":"was","start":897.49,"end":897.73,"confidence":0.9994363,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.08804671466350555},{"word":"probably","start":897.73,"end":898.05,"confidence":0.99807006,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.09326533228158952},{"word":"a","start":898.05,"end":898.13,"confidence":0.999453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07590965926647186},{"word":"couple","start":898.13,"end":898.44995,"confidence":0.9998969,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.08091951906681061},{"word":"of","start":898.44995,"end":898.61,"confidence":0.9657132,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07393813878297806},{"word":"$100","start":898.61,"end":899.505,"confidence":0.999304,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":-0.057860102504491806},{"word":"a","start":899.985,"end":900.225,"confidence":0.94026923,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06588742136955261},{"word":"pay","start":900.225,"end":900.725,"confidence":0.7673578,"punctuated_word":"pay,","sentiment":"neutral","sentiment_score":-0.06994697451591492},{"word":"a","start":900.945,"end":901.185,"confidence":0.9986933,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07757042348384857},{"word":"fortnight","start":901.185,"end":901.685,"confidence":0.9932622,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":-0.10098525881767272},{"word":"now","start":902.065,"end":902.565,"confidence":0.98630977,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.09717711061239244},{"word":"that","start":902.705,"end":902.865,"confidence":0.91609246,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09694381803274156},{"word":"was","start":902.865,"end":903.185,"confidence":0.99952936,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.08704888820648193},{"word":"pre","start":903.185,"end":903.505,"confidence":0.995398,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":-0.080106720328331},{"word":"covid","start":903.505,"end":903.985,"confidence":0.8766928,"punctuated_word":"COVID.","sentiment":"neutral","sentiment_score":-0.12701404094696045},{"word":"and","start":903.985,"end":904.145,"confidence":0.9897738,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.13561095297336578},{"word":"then","start":904.145,"end":904.645,"confidence":0.99944466,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.11215327680110931},{"word":"once","start":904.78503,"end":905.105,"confidence":0.98222685,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.1404590904712677},{"word":"i","start":905.105,"end":905.265,"confidence":0.99581945,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1444641351699829},{"word":"did","start":905.265,"end":905.505,"confidence":0.9853234,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.1395793855190277},{"word":"my","start":905.505,"end":905.665,"confidence":0.98933625,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.16303810477256775},{"word":"tax","start":905.665,"end":905.985,"confidence":0.99413,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.12772537767887115},{"word":"return","start":905.985,"end":906.485,"confidence":0.9868672,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":-0.11829587817192078},{"word":"i","start":906.865,"end":907.025,"confidence":0.9974482,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1770806908607483},{"word":"actually","start":907.025,"end":907.425,"confidence":0.9803622,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.16342703998088837},{"word":"owed","start":907.425,"end":907.585,"confidence":0.73083246,"punctuated_word":"owed","sentiment":"neutral","sentiment_score":-0.17840535938739777},{"word":"the","start":907.585,"end":907.745,"confidence":0.8038133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20815058052539823},{"word":"tax","start":907.745,"end":908.065,"confidence":0.6442928,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.14480756223201752},{"word":"amount","start":908.065,"end":908.225,"confidence":0.6788486,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":-0.1940511018037796},{"word":"it","start":908.225,"end":908.385,"confidence":0.99391705,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.20610399544239044},{"word":"wasn't","start":908.385,"end":908.705,"confidence":0.99767816,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.20988914370536804},{"word":"a","start":908.705,"end":908.78503,"confidence":0.9989907,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2318985015153885},{"word":"lot","start":908.78503,"end":908.945,"confidence":0.99991286,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.2323293387889862},{"word":"of","start":908.945,"end":909.025,"confidence":0.999071,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2553377151489258},{"word":"money","start":909.025,"end":909.34503,"confidence":0.99430156,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":-0.1917775273323059},{"word":"but","start":909.34503,"end":909.505,"confidence":0.99991274,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.13356932997703552},{"word":"i","start":909.505,"end":909.585,"confidence":0.9895259,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17233076691627502},{"word":"still","start":909.585,"end":909.825,"confidence":0.99869835,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.17010875046253204},{"word":"owed","start":909.825,"end":910.065,"confidence":0.6419665,"punctuated_word":"owed","sentiment":"neutral","sentiment_score":-0.16509798169136047},{"word":"them","start":910.065,"end":910.225,"confidence":0.59957975,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.22233854234218595},{"word":"some","start":910.225,"end":910.465,"confidence":0.99931693,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.1961660236120224},{"word":"money","start":910.465,"end":910.78503,"confidence":0.9999465,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.1856585144996643},{"word":"because","start":910.78503,"end":911.025,"confidence":0.95724154,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2912951409816742},{"word":"i","start":911.025,"end":911.185,"confidence":0.8880419,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.401153951883316},{"word":"went","start":911.185,"end":911.425,"confidence":0.9449703,"punctuated_word":"went","sentiment":"negative","sentiment_score":-0.34286344051361084},{"word":"over","start":911.425,"end":911.665,"confidence":0.998869,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.31294843554496765},{"word":"the","start":911.665,"end":911.825,"confidence":0.9908546,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.32134872674942017},{"word":"threshold","start":911.825,"end":912.325,"confidence":0.9945383,"punctuated_word":"threshold.","sentiment":"neutral","sentiment_score":-0.26742953062057495},{"word":"that","start":914.85004,"end":915.09,"confidence":0.96318597,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.2920319736003876},{"word":"that","start":915.09,"end":915.33,"confidence":0.99234676,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3158513903617859},{"word":"was","start":915.33,"end":915.57,"confidence":0.9996623,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.28062689304351807},{"word":"the","start":915.57,"end":915.73004,"confidence":0.9994217,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.28335145115852356},{"word":"issue","start":915.73004,"end":916.23004,"confidence":0.99954796,"punctuated_word":"issue.","sentiment":"neutral","sentiment_score":-0.22777970135211945},{"word":"now","start":916.37,"end":916.87,"confidence":0.9963568,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.11434765160083772},{"word":"as","start":917.09,"end":917.33,"confidence":0.9077562,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.09695178270339966},{"word":"you're","start":917.33,"end":917.57,"confidence":0.9896821,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.07239318639039993},{"word":"saying","start":917.57,"end":917.89,"confidence":0.9914465,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.03916674479842186},{"word":"there","start":917.89,"end":918.29004,"confidence":0.96964264,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.03834754228591919},{"word":"tommy","start":918.29004,"end":918.77,"confidence":0.9778638,"punctuated_word":"Tommy,","sentiment":"neutral","sentiment_score":-0.03075200319290161},{"word":"if","start":918.77,"end":919.25,"confidence":0.93029606,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07347732782363892},{"word":"what's","start":919.41003,"end":919.73004,"confidence":0.9981294,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.1066622957587242},{"word":"the","start":919.73004,"end":919.97003,"confidence":0.95189303,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13036274909973145},{"word":"threshold","start":919.97003,"end":920.37,"confidence":0.997974,"punctuated_word":"threshold","sentiment":"neutral","sentiment_score":-0.12276363372802734},{"word":"now","start":920.37,"end":920.61,"confidence":0.7283063,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":-0.08102844655513763},{"word":"is","start":920.61,"end":920.77,"confidence":0.6732453,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.0038585197180509567},{"word":"it","start":920.77,"end":920.93,"confidence":0.9862866,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.004462560638785362},{"word":"32","start":920.93,"end":921.49,"confidence":0.9936546,"punctuated_word":"32","sentiment":"neutral","sentiment_score":0.01420726627111435},{"word":"or","start":921.49,"end":921.65,"confidence":0.9925845,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.004714169539511204},{"word":"something","start":921.65,"end":922.05,"confidence":0.9999149,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.003860443830490112},{"word":"you're","start":922.05,"end":922.29004,"confidence":0.9897816,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.004091192036867142},{"word":"allowed","start":922.29004,"end":922.61,"confidence":0.99537885,"punctuated_word":"allowed","sentiment":"neutral","sentiment_score":0.01547645591199398},{"word":"to","start":922.61,"end":922.77,"confidence":0.9981693,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.019779633730649948},{"word":"contribute","start":922.77,"end":923.27,"confidence":0.9985504,"punctuated_word":"contribute?","sentiment":"neutral","sentiment_score":0.022818222641944885},{"word":"mhmm","start":933.935,"end":934.435,"confidence":0.92676157,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07467999309301376},{"word":"you","start":935.61505,"end":935.775,"confidence":0.69944245,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.09557020664215088},{"word":"see","start":935.775,"end":936.275,"confidence":0.9110209,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10105202347040176},{"word":"okay","start":939.215,"end":939.61505,"confidence":0.84106964,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.15786528587341309},{"word":"so","start":939.61505,"end":940.11505,"confidence":0.99852645,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0862242728471756},{"word":"what","start":940.52,"end":940.76,"confidence":0.9995003,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07922743260860443},{"word":"what","start":940.76,"end":940.92,"confidence":0.9787249,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09676992893218994},{"word":"i","start":940.92,"end":941.24,"confidence":0.77731985,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1151309460401535},{"word":"what","start":941.24,"end":941.4,"confidence":0.96599936,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12536367774009705},{"word":"i","start":941.4,"end":941.64,"confidence":0.99941695,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13394518196582794},{"word":"might","start":941.64,"end":942.12,"confidence":0.9840716,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.12054405361413956},{"word":"do","start":942.12,"end":942.44,"confidence":0.9963516,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1015823632478714},{"word":"then","start":942.44,"end":942.76,"confidence":0.82867247,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.10440376400947572},{"word":"tom","start":942.76,"end":943.08,"confidence":0.9435259,"punctuated_word":"Tom,","sentiment":"neutral","sentiment_score":0.0988895148038864},{"word":"talking","start":943.08,"end":943.4,"confidence":0.99507916,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.0752163827419281},{"word":"about","start":943.4,"end":943.72003,"confidence":0.9980399,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08350838720798492},{"word":"this","start":943.72003,"end":944.04,"confidence":0.9939103,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08281764388084412},{"word":"then","start":944.04,"end":944.54,"confidence":0.8009956,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.07617255300283432},{"word":"i","start":944.6,"end":944.84,"confidence":0.9988318,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09752830862998962},{"word":"might","start":944.84,"end":945.08,"confidence":0.9984126,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.13078680634498596},{"word":"actually","start":945.08,"end":945.48,"confidence":0.99714714,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.09661807119846344},{"word":"get","start":945.48,"end":945.72003,"confidence":0.9990584,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0668918788433075},{"word":"on","start":945.72003,"end":945.96,"confidence":0.8513588,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.042495958507061005},{"word":"to","start":945.96,"end":946.2,"confidence":0.99521387,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05474521219730377},{"word":"my","start":946.2,"end":946.44,"confidence":0.99859816,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.0729554295539856},{"word":"pay","start":946.44,"end":946.76,"confidence":0.9763523,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.06056128814816475},{"word":"office","start":946.76,"end":947.26,"confidence":0.94025487,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.06193561851978302},{"word":"and","start":947.32,"end":947.56,"confidence":0.9355142,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06522256135940552},{"word":"maybe","start":947.56,"end":948.06,"confidence":0.9907996,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.07871547341346741},{"word":"just","start":948.76,"end":949.16,"confidence":0.9881904,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08908581733703613},{"word":"thinking","start":949.16,"end":949.64,"confidence":0.98438513,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.11283882707357408},{"word":"probably","start":949.64,"end":950.04,"confidence":0.68025535,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.08658338338136673},{"word":"maybe","start":950.04,"end":950.28,"confidence":0.85711277,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.10405995696783066},{"word":"deduct","start":950.28,"end":950.78,"confidence":0.77648675,"punctuated_word":"deduct","sentiment":"neutral","sentiment_score":0.09860026091337204},{"word":"an","start":952.6,"end":952.84,"confidence":0.9962723,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07619264721870422},{"word":"extra","start":952.84,"end":953.24,"confidence":0.9998907,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.0724470242857933},{"word":"$200","start":953.24,"end":954.2,"confidence":0.9992548,"punctuated_word":"$200","sentiment":"neutral","sentiment_score":0.10264701396226884},{"word":"a","start":954.2,"end":954.36,"confidence":0.96701604,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11558149755001068},{"word":"fortnight","start":954.36,"end":954.86,"confidence":0.9926974,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.0659043937921524},{"word":"into","start":955.0,"end":955.4,"confidence":0.99844545,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.09502570331096648},{"word":"my","start":955.4,"end":955.72003,"confidence":0.9986726,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.07236228883266449},{"word":"super","start":955.72003,"end":956.22003,"confidence":0.79037106,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.1123150885105133},{"word":"mhmm","start":964.22504,"end":964.72504,"confidence":0.95407325,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0238531157374382},{"word":"yes","start":972.03,"end":972.53,"confidence":0.813396,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06561708450317383},{"word":"mhmm","start":974.03,"end":974.53,"confidence":0.99541056,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.11993974447250366},{"word":"yes","start":980.75,"end":981.23004,"confidence":0.6780399,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.19943583011627197},{"word":"that's","start":981.23004,"end":981.55,"confidence":0.91242707,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.31652212142944336},{"word":"fine","start":981.55,"end":981.87,"confidence":0.9982381,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.31623131036758423},{"word":"yes","start":981.87,"end":982.11005,"confidence":0.99621964,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2543807029724121},{"word":"because","start":982.11005,"end":982.43,"confidence":0.74116206,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":0.24284201860427856},{"word":"actually","start":982.43,"end":982.91003,"confidence":0.9942528,"punctuated_word":"actually,","sentiment":"neutral","sentiment_score":0.24010413885116577},{"word":"i've","start":982.91003,"end":983.15,"confidence":0.93647456,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1912173330783844},{"word":"i've","start":983.15,"end":983.31,"confidence":0.9685631,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.15500277280807495},{"word":"i've","start":983.31,"end":983.47003,"confidence":0.75041866,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.14374123513698578},{"word":"spoken","start":983.47003,"end":983.79004,"confidence":0.9897914,"punctuated_word":"spoken","sentiment":"neutral","sentiment_score":0.15158973634243011},{"word":"about","start":983.79004,"end":984.03,"confidence":0.9989679,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13334281742572784},{"word":"this","start":984.03,"end":984.23,"confidence":0.99599767,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.15794600546360016},{"word":"in","start":984.23,"end":984.43,"confidence":0.9130608,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12903760373592377},{"word":"recent","start":984.43,"end":984.75,"confidence":0.6942779,"punctuated_word":"recent","sentiment":"neutral","sentiment_score":0.16262224316596985},{"word":"in","start":984.75,"end":984.99,"confidence":0.5112156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12090196460485458},{"word":"recent","start":984.99,"end":985.39,"confidence":0.9920832,"punctuated_word":"recent","sentiment":"neutral","sentiment_score":0.1541910171508789},{"word":"times","start":985.39,"end":985.89,"confidence":0.9651642,"punctuated_word":"times.","sentiment":"neutral","sentiment_score":0.15767446160316467},{"word":"okay","start":1009.12,"end":1009.51996,"confidence":0.9912504,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.31753772497177124},{"word":"yes","start":1009.51996,"end":1009.92,"confidence":0.99665296,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.33978623151779175},{"word":"yep","start":1009.92,"end":1010.32,"confidence":0.9989058,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.49417728185653687},{"word":"brilliant","start":1010.32,"end":1010.82,"confidence":0.98546135,"punctuated_word":"Brilliant.","sentiment":"positive","sentiment_score":0.794474184513092},{"word":"yes","start":1027.5449,"end":1027.865,"confidence":0.99274814,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1495770514011383},{"word":"okay","start":1027.865,"end":1028.345,"confidence":0.9975933,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.16318385303020477},{"word":"yep","start":1028.345,"end":1028.845,"confidence":0.9586998,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1575993448495865},{"word":"no","start":1035.8099,"end":1036.13,"confidence":0.9528829,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13181114196777344},{"word":"yes","start":1036.13,"end":1036.45,"confidence":0.87234104,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.03179704397916794},{"word":"you're","start":1036.45,"end":1036.69,"confidence":0.9567126,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.009737692773342133},{"word":"you're","start":1036.69,"end":1036.85,"confidence":0.9847386,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.002070307731628418},{"word":"helping","start":1036.85,"end":1037.25,"confidence":0.9980046,"punctuated_word":"helping","sentiment":"neutral","sentiment_score":0.05725852772593498},{"word":"me","start":1037.25,"end":1037.41,"confidence":0.49950287,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.035796672105789185},{"word":"out","start":1037.41,"end":1037.49,"confidence":0.45372057,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.07098910212516785},{"word":"here","start":1037.49,"end":1037.73,"confidence":0.79257476,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.01635703817009926},{"word":"but","start":1037.73,"end":1038.21,"confidence":0.89148766,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0036695152521133423},{"word":"you're","start":1038.21,"end":1038.45,"confidence":0.74064994,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.04531218111515045},{"word":"bringing","start":1038.45,"end":1038.85,"confidence":0.9691297,"punctuated_word":"bringing","sentiment":"neutral","sentiment_score":-0.058021336793899536},{"word":"up","start":1038.85,"end":1039.01,"confidence":0.95595485,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.07405020296573639},{"word":"a","start":1039.01,"end":1039.09,"confidence":0.8478326,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.032432734966278076},{"word":"lot","start":1039.09,"end":1039.25,"confidence":0.9986141,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.006228908896446228},{"word":"of","start":1039.25,"end":1039.41,"confidence":0.9982621,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01927568018436432},{"word":"things","start":1039.41,"end":1039.65,"confidence":0.9987005,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.03151524439454079},{"word":"that","start":1039.65,"end":1039.8099,"confidence":0.9835771,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05251282826066017},{"word":"i've","start":1039.8099,"end":1039.97,"confidence":0.9711979,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.04968215525150299},{"word":"had","start":1039.97,"end":1040.13,"confidence":0.99853635,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.06604723632335663},{"word":"in","start":1040.13,"end":1040.37,"confidence":0.8195375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06547272205352783},{"word":"the","start":1040.37,"end":1040.53,"confidence":0.9977811,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02121568098664284},{"word":"back","start":1040.53,"end":1040.77,"confidence":0.99808145,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.0007438696920871735},{"word":"of","start":1040.77,"end":1040.9299,"confidence":0.9983481,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.019297659397125244},{"word":"my","start":1040.9299,"end":1041.09,"confidence":0.9994795,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.001729968935251236},{"word":"head","start":1041.09,"end":1041.33,"confidence":0.99883133,"punctuated_word":"head","sentiment":"neutral","sentiment_score":0.00940478965640068},{"word":"recently","start":1041.33,"end":1041.83,"confidence":0.9918649,"punctuated_word":"recently.","sentiment":"neutral","sentiment_score":-0.02155373990535736},{"word":"yeah","start":1041.89,"end":1042.39,"confidence":0.88832307,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.20358994603157043},{"word":"well","start":1053.835,"end":1054.075,"confidence":0.8123628,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.05763974040746689},{"word":"that's","start":1054.075,"end":1054.395,"confidence":0.9968376,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06193704530596733},{"word":"my","start":1054.395,"end":1054.5549,"confidence":0.98795044,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.05980559065937996},{"word":"aim","start":1054.5549,"end":1054.7949,"confidence":0.97756803,"punctuated_word":"aim","sentiment":"neutral","sentiment_score":-0.0005031228065490723},{"word":"to","start":1054.7949,"end":1054.875,"confidence":0.6662332,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07536887377500534},{"word":"get","start":1054.875,"end":1055.035,"confidence":0.9992901,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.058976948261260986},{"word":"out","start":1055.035,"end":1055.275,"confidence":0.99855584,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.08405473083257675},{"word":"of","start":1055.275,"end":1055.355,"confidence":0.9977496,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09283427894115448},{"word":"the","start":1055.355,"end":1055.515,"confidence":0.9974343,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09462852030992508},{"word":"port","start":1055.515,"end":1055.88,"confidence":0.91910946,"punctuated_word":"port.","sentiment":"neutral","sentiment_score":0.0924590528011322},{"word":"i'll","start":1055.96,"end":1056.04,"confidence":0.7502722,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.128837913274765},{"word":"work","start":1056.04,"end":1056.2,"confidence":0.9905709,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.08481933921575546},{"word":"in","start":1056.2,"end":1056.36,"confidence":0.53892124,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08398152887821198},{"word":"the","start":1056.36,"end":1056.52,"confidence":0.99898034,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11261609941720964},{"word":"port","start":1056.52,"end":1057.02,"confidence":0.9955165,"punctuated_word":"port.","sentiment":"neutral","sentiment_score":0.1083611249923706},{"word":"yep","start":1059.4,"end":1059.9,"confidence":0.7031788,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2315242737531662},{"word":"yep","start":1066.04,"end":1066.54,"confidence":0.70731914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22458630800247192},{"word":"no","start":1071.665,"end":1071.905,"confidence":0.9968902,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04560127109289169},{"word":"no","start":1071.905,"end":1072.145,"confidence":0.99817693,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05630810186266899},{"word":"you've","start":1072.145,"end":1072.385,"confidence":0.97029245,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":-0.028974836692214012},{"word":"just","start":1072.385,"end":1072.625,"confidence":0.4667682,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08155296742916107},{"word":"you've","start":1072.785,"end":1073.025,"confidence":0.9974971,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.03356156125664711},{"word":"been","start":1073.025,"end":1073.265,"confidence":0.99120355,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.10015186667442322},{"word":"good","start":1073.265,"end":1073.505,"confidence":0.98200995,"punctuated_word":"good,","sentiment":"neutral","sentiment_score":0.05527394637465477},{"word":"tommy","start":1073.505,"end":1073.905,"confidence":0.97460467,"punctuated_word":"Tommy.","sentiment":"neutral","sentiment_score":-0.03741201385855675},{"word":"so","start":1073.905,"end":1074.385,"confidence":0.9989496,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03522319719195366},{"word":"what","start":1074.385,"end":1074.625,"confidence":0.9986364,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.02703702449798584},{"word":"what","start":1074.625,"end":1075.025,"confidence":0.9984478,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.026332765817642212},{"word":"what","start":1075.025,"end":1075.265,"confidence":0.99067956,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.010226737707853316},{"word":"way","start":1075.265,"end":1075.665,"confidence":0.7436584,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.01147342100739479},{"word":"working","start":1075.8251,"end":1076.145,"confidence":0.4390875,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.003938347101211548},{"word":"this","start":1076.145,"end":1076.385,"confidence":0.5957615,"punctuated_word":"this?","sentiment":"neutral","sentiment_score":-0.01153719425201416},{"word":"you're","start":1076.385,"end":1076.545,"confidence":0.8967664,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.01507454365491867},{"word":"gonna","start":1076.545,"end":1076.865,"confidence":0.9542663,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.031416453421115875},{"word":"put","start":1076.865,"end":1077.105,"confidence":0.9801906,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.039150260388851166},{"word":"this","start":1077.105,"end":1077.265,"confidence":0.99794227,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04246827214956283},{"word":"together","start":1077.265,"end":1077.765,"confidence":0.9357343,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.03521966189146042},{"word":"do","start":1077.985,"end":1078.2251,"confidence":0.9990013,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.008963257074356079},{"word":"you","start":1078.2251,"end":1078.385,"confidence":0.99974996,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.019399482756853104},{"word":"reckon","start":1078.385,"end":1078.7051,"confidence":0.9833239,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":0.03014836087822914},{"word":"i","start":1078.7051,"end":1078.9451,"confidence":0.99718225,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.048097334802150726},{"word":"just","start":1078.9451,"end":1079.185,"confidence":0.97250956,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04844370856881142},{"word":"go","start":1079.185,"end":1079.425,"confidence":0.99922395,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06358890235424042},{"word":"ahead","start":1079.425,"end":1079.8251,"confidence":0.99988437,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.053569644689559937},{"word":"with","start":1079.8251,"end":1079.985,"confidence":0.99979216,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.033382348716259},{"word":"the","start":1079.985,"end":1080.2251,"confidence":0.99865496,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03922905772924423},{"word":"pay","start":1080.2251,"end":1080.4651,"confidence":0.92907625,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.025114554911851883},{"word":"office","start":1080.4651,"end":1080.865,"confidence":0.95899016,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.03605610877275467},{"word":"and","start":1080.865,"end":1081.185,"confidence":0.9860687,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013203367590904236},{"word":"put","start":1081.185,"end":1081.3451,"confidence":0.9989305,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0329708531498909},{"word":"this","start":1081.3451,"end":1081.68,"confidence":0.82929945,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.040048591792583466},{"word":"structure","start":1081.76,"end":1081.96,"confidence":0.992362,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.0275372676551342},{"word":"in","start":1081.96,"end":1082.16,"confidence":0.9951697,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04948779940605163},{"word":"place","start":1082.16,"end":1082.66,"confidence":0.99895847,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.09038880467414856},{"word":"for","start":1082.7201,"end":1083.04,"confidence":0.99964345,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05978409945964813},{"word":"an","start":1083.04,"end":1083.28,"confidence":0.99932206,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.02655600756406784},{"word":"extra","start":1083.28,"end":1083.6001,"confidence":0.99988985,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.03384704887866974},{"word":"$200","start":1083.6001,"end":1084.4801,"confidence":0.9871331,"punctuated_word":"$200","sentiment":"neutral","sentiment_score":0.0502321794629097},{"word":"a","start":1084.4801,"end":1084.64,"confidence":0.96575123,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.043820105493068695},{"word":"fortnight","start":1084.64,"end":1085.12,"confidence":0.9597616,"punctuated_word":"fortnight?","sentiment":"neutral","sentiment_score":0.012734445743262768},{"word":"i","start":1085.12,"end":1085.2001,"confidence":0.9945405,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06199439987540245},{"word":"just","start":1085.2001,"end":1085.4401,"confidence":0.9379545,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06187257543206215},{"word":"go","start":1085.4401,"end":1085.6001,"confidence":0.9989712,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06310528516769409},{"word":"ahead","start":1085.6001,"end":1085.8401,"confidence":0.9997458,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.07505486905574799},{"word":"and","start":1085.8401,"end":1086.0,"confidence":0.9992192,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07947007566690445},{"word":"do","start":1086.0,"end":1086.16,"confidence":0.99965775,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.046836964786052704},{"word":"that","start":1086.16,"end":1086.4,"confidence":0.9812645,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.07552264630794525},{"word":"yep","start":1086.4,"end":1086.9,"confidence":0.7310451,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10682493448257446},{"word":"yep","start":1093.28,"end":1093.78,"confidence":0.7492067,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0361962765455246},{"word":"yep","start":1095.04,"end":1095.54,"confidence":0.7817389,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.049750372767448425},{"word":"yep","start":1098.0549,"end":1098.5549,"confidence":0.73447394,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05607715994119644},{"word":"well","start":1099.575,"end":1099.895,"confidence":0.7763305,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.013040794059634209},{"word":"by","start":1099.895,"end":1100.135,"confidence":0.9806889,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.005025461316108704},{"word":"your","start":1100.135,"end":1100.375,"confidence":0.99403137,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.005943484604358673},{"word":"figures","start":1100.375,"end":1100.875,"confidence":0.855507,"punctuated_word":"figures,","sentiment":"neutral","sentiment_score":0.008514739573001862},{"word":"that's","start":1100.9349,"end":1101.1749,"confidence":0.8978397,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.011193125508725643},{"word":"that'll","start":1101.255,"end":1101.575,"confidence":0.9129847,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.02916756272315979},{"word":"be","start":1101.575,"end":1101.735,"confidence":0.98562753,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03414180129766464},{"word":"able","start":1101.735,"end":1101.975,"confidence":0.99905103,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.03438713401556015},{"word":"to","start":1101.975,"end":1102.0549,"confidence":0.9981078,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00677095353603363},{"word":"tell","start":1102.0549,"end":1102.295,"confidence":0.9992772,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":-0.0050358846783638},{"word":"me","start":1102.295,"end":1102.795,"confidence":0.9996593,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.02985703945159912},{"word":"what","start":1103.015,"end":1103.255,"confidence":0.9959753,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.037910401821136475},{"word":"way","start":1103.255,"end":1103.495,"confidence":0.98501784,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.04703737795352936},{"word":"i","start":1103.495,"end":1103.655,"confidence":0.9716752,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.019691102206707},{"word":"am","start":1103.655,"end":1103.895,"confidence":0.93256223,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.025478042662143707},{"word":"without","start":1103.895,"end":1104.295,"confidence":0.94094306,"punctuated_word":"without","sentiment":"neutral","sentiment_score":-0.02331491932272911},{"word":"doing","start":1104.295,"end":1104.615,"confidence":0.99906987,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.06625184416770935},{"word":"that","start":1104.615,"end":1104.9349,"confidence":0.99511826,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03647172451019287},{"word":"or","start":1104.9349,"end":1105.095,"confidence":0.9001437,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0871841311454773},{"word":"what","start":1105.095,"end":1105.255,"confidence":0.99883,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.09219127148389816},{"word":"way","start":1105.255,"end":1105.655,"confidence":0.99184155,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.10748229920864104},{"word":"i","start":1105.655,"end":1105.735,"confidence":0.9903577,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07509779930114746},{"word":"am","start":1105.735,"end":1106.235,"confidence":0.870628,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.07249154150485992},{"word":"not","start":1106.455,"end":1106.695,"confidence":0.9855114,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.041654665023088455},{"word":"doing","start":1106.695,"end":1106.9349,"confidence":0.999564,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.06249834969639778},{"word":"it","start":1106.9349,"end":1107.095,"confidence":0.49595436,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.06690067052841187},{"word":"you","start":1107.095,"end":1107.255,"confidence":0.9991684,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.066849485039711},{"word":"know","start":1107.255,"end":1107.575,"confidence":0.9672802,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.05703820288181305},{"word":"doing","start":1107.575,"end":1107.815,"confidence":0.99441975,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.06430366635322571},{"word":"it","start":1107.815,"end":1107.975,"confidence":0.99775827,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0475923977792263},{"word":"or","start":1107.975,"end":1108.135,"confidence":0.99580055,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06321124732494354},{"word":"not","start":1108.135,"end":1108.375,"confidence":0.99942017,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.050356682389974594},{"word":"doing","start":1108.375,"end":1108.535,"confidence":0.99925536,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.06653641164302826},{"word":"it","start":1108.535,"end":1109.035,"confidence":0.9563263,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.03458194434642792},{"word":"yes","start":1111.8401,"end":1112.3401,"confidence":0.78193337,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.001230143941938877},{"word":"yep","start":1114.0801,"end":1114.48,"confidence":0.732772,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04951569065451622},{"word":"okay","start":1114.48,"end":1114.98,"confidence":0.9986092,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1388716697692871},{"word":"no","start":1126.8049,"end":1127.045,"confidence":0.9965527,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.01594105176627636},{"word":"i","start":1127.045,"end":1127.205,"confidence":0.99877244,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.009538881480693815},{"word":"think","start":1127.205,"end":1127.705,"confidence":0.9949857,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.010198384523391724},{"word":"down","start":1127.845,"end":1128.085,"confidence":0.66549385,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.007446102797985077},{"word":"the","start":1128.085,"end":1128.245,"confidence":0.965965,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007175136357545853},{"word":"track","start":1128.245,"end":1128.645,"confidence":0.99244916,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.0004145391285419464},{"word":"many","start":1128.645,"end":1128.885,"confidence":0.9249446,"punctuated_word":"many","sentiment":"neutral","sentiment_score":-0.013111479580402374},{"word":"years","start":1128.885,"end":1129.125,"confidence":0.9996145,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.007941771298646927},{"word":"ago","start":1129.125,"end":1129.365,"confidence":0.9996642,"punctuated_word":"ago","sentiment":"neutral","sentiment_score":0.010755054652690887},{"word":"when","start":1129.365,"end":1129.6849,"confidence":0.81737924,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.00996612012386322},{"word":"when","start":1129.6849,"end":1129.845,"confidence":0.99430865,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.01185714453458786},{"word":"i","start":1129.845,"end":1130.165,"confidence":0.9993895,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.021100059151649475},{"word":"started","start":1130.165,"end":1130.565,"confidence":0.9993844,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.027842093259096146},{"word":"with","start":1130.565,"end":1130.8049,"confidence":0.9991353,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03164778649806976},{"word":"you","start":1130.8049,"end":1130.965,"confidence":0.9995252,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0564432255923748},{"word":"guys","start":1130.965,"end":1131.365,"confidence":0.747543,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":0.03993278741836548},{"word":"when","start":1131.365,"end":1131.865,"confidence":0.9983475,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.016695119440555573},{"word":"i","start":1132.085,"end":1132.245,"confidence":0.9900677,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02100206539034843},{"word":"was","start":1132.245,"end":1132.745,"confidence":0.9987822,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.01991800218820572},{"word":"had","start":1133.045,"end":1133.285,"confidence":0.9723211,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.02318850159645081},{"word":"a","start":1133.285,"end":1133.365,"confidence":0.99814844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.011061513796448708},{"word":"lot","start":1133.365,"end":1133.525,"confidence":0.99909985,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.015900444239377975},{"word":"of","start":1133.525,"end":1133.6849,"confidence":0.9977095,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011070340871810911},{"word":"car","start":1133.6849,"end":1133.925,"confidence":0.47587988,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.01960761845111847},{"word":"of","start":1133.925,"end":1134.005,"confidence":0.17947693,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02493317797780037},{"word":"sport","start":1134.005,"end":1134.325,"confidence":0.52982646,"punctuated_word":"sport","sentiment":"neutral","sentiment_score":0.04041217640042305},{"word":"in","start":1134.325,"end":1134.485,"confidence":0.6641221,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02780020982027054},{"word":"swissbv","start":1134.485,"end":1134.985,"confidence":0.33753544,"punctuated_word":"SwissBV,","sentiment":"neutral","sentiment_score":0.03159917891025543},{"word":"and","start":1135.87,"end":1136.37,"confidence":0.9994068,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.038316454738378525},{"word":"he","start":1136.83,"end":1137.07,"confidence":0.99769515,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.048711441457271576},{"word":"advised","start":1137.07,"end":1137.5499,"confidence":0.9045676,"punctuated_word":"advised","sentiment":"neutral","sentiment_score":0.047293782234191895},{"word":"me","start":1137.5499,"end":1137.7899,"confidence":0.99982846,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.013322457671165466},{"word":"back","start":1137.7899,"end":1138.03,"confidence":0.9979487,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.01197846233844757},{"word":"then","start":1138.03,"end":1138.4299,"confidence":0.9910886,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.014161236584186554},{"word":"probably","start":1138.4299,"end":1138.9099,"confidence":0.7778053,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.0016961172223091123},{"word":"just","start":1138.9099,"end":1139.23,"confidence":0.9552192,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.006731592118740082},{"word":"leave","start":1139.23,"end":1139.47,"confidence":0.91918045,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.02214287593960762},{"word":"the","start":1139.47,"end":1139.71,"confidence":0.99913555,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.031222611665725708},{"word":"insurances","start":1139.71,"end":1140.21,"confidence":0.99849105,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.0015574842691421509},{"word":"alone","start":1140.35,"end":1140.75,"confidence":0.9980544,"punctuated_word":"alone","sentiment":"neutral","sentiment_score":-0.03531608730554581},{"word":"because","start":1140.75,"end":1141.15,"confidence":0.6160373,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03331310302019119},{"word":"at","start":1141.15,"end":1141.3099,"confidence":0.9581219,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0326729491353035},{"word":"the","start":1141.3099,"end":1141.39,"confidence":0.9994491,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028043627738952637},{"word":"end","start":1141.39,"end":1141.63,"confidence":0.99990535,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.01732061058282852},{"word":"of","start":1141.63,"end":1141.71,"confidence":0.9995141,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.032130882143974304},{"word":"the","start":1141.71,"end":1141.87,"confidence":0.9985683,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04480783641338349},{"word":"day","start":1141.87,"end":1142.37,"confidence":0.9789655,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":0.0342530719935894},{"word":"if","start":1142.4299,"end":1142.6699,"confidence":0.9985897,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03490317612886429},{"word":"something","start":1142.6699,"end":1143.15,"confidence":0.99912053,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.015015393495559692},{"word":"happens","start":1143.15,"end":1143.47,"confidence":0.98672175,"punctuated_word":"happens,","sentiment":"neutral","sentiment_score":0.008881386369466782},{"word":"your","start":1143.47,"end":1143.71,"confidence":0.9984151,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01167789101600647},{"word":"spouse","start":1143.71,"end":1144.03,"confidence":0.9989089,"punctuated_word":"spouse","sentiment":"neutral","sentiment_score":0.0549042746424675},{"word":"is","start":1144.03,"end":1144.19,"confidence":0.99432594,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.028118975460529327},{"word":"going","start":1144.19,"end":1144.4299,"confidence":0.9881188,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.017054833471775055},{"word":"to","start":1144.4299,"end":1144.51,"confidence":0.9987936,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.019726485013961792},{"word":"get","start":1144.51,"end":1144.83,"confidence":0.9994649,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.01657191663980484},{"word":"your","start":1144.83,"end":1145.33,"confidence":0.9880043,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.007069163024425507},{"word":"your","start":1146.35,"end":1146.59,"confidence":0.6599547,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.012008674442768095},{"word":"super","start":1146.59,"end":1146.99,"confidence":0.9751729,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.036937832832336426},{"word":"anyway","start":1146.99,"end":1147.49,"confidence":0.9766034,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":0.00625898502767086},{"word":"yes","start":1157.655,"end":1158.155,"confidence":0.9159227,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08167695254087448},{"word":"yes","start":1158.295,"end":1158.535,"confidence":0.7610027,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1019965410232544},{"word":"that's","start":1158.535,"end":1158.855,"confidence":0.9874915,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.16286972165107727},{"word":"right","start":1158.855,"end":1159.175,"confidence":0.9993224,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.2179793119430542},{"word":"yep","start":1159.175,"end":1159.675,"confidence":0.9917727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12776100635528564},{"word":"yep","start":1164.99,"end":1165.49,"confidence":0.79277945,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.017780784517526627},{"word":"that's","start":1166.8301,"end":1167.0701,"confidence":0.789762,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.01817837730050087},{"word":"true","start":1167.0701,"end":1167.31,"confidence":0.98383427,"punctuated_word":"true,","sentiment":"neutral","sentiment_score":0.08078205585479736},{"word":"tommy","start":1167.31,"end":1167.63,"confidence":0.76952386,"punctuated_word":"Tommy.","sentiment":"neutral","sentiment_score":0.09028386324644087},{"word":"but","start":1167.63,"end":1167.87,"confidence":0.7916175,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08579083532094955},{"word":"at","start":1167.87,"end":1167.9501,"confidence":0.98728764,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07125616073608398},{"word":"the","start":1167.9501,"end":1168.03,"confidence":0.99631774,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11468185484409332},{"word":"end","start":1168.03,"end":1168.27,"confidence":0.9995803,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.06516240537166595},{"word":"of","start":1168.27,"end":1168.35,"confidence":0.9986387,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08871686458587646},{"word":"the","start":1168.35,"end":1168.51,"confidence":0.9943604,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07753269374370575},{"word":"day","start":1168.51,"end":1168.67,"confidence":0.97507393,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":0.07053938508033752},{"word":"we","start":1168.67,"end":1168.8301,"confidence":0.9966298,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08641573786735535},{"word":"pay","start":1168.8301,"end":1169.0701,"confidence":0.8436689,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.10940209031105042},{"word":"that","start":1169.0701,"end":1169.23,"confidence":0.9948895,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.116172157227993},{"word":"much","start":1169.23,"end":1169.55,"confidence":0.9990472,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.09048213064670564},{"word":"insurance","start":1169.55,"end":1170.05,"confidence":0.99406826,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.10136551409959792},{"word":"for","start":1170.11,"end":1170.27,"confidence":0.9984497,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13444557785987854},{"word":"everything","start":1170.27,"end":1170.75,"confidence":0.8078991,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.08725787699222565},{"word":"you","start":1170.75,"end":1170.91,"confidence":0.99745876,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.06787325441837311},{"word":"know","start":1170.91,"end":1171.41,"confidence":0.9961367,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.07390544563531876},{"word":"yeah","start":1174.59,"end":1175.09,"confidence":0.98660743,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3405127227306366},{"word":"yes","start":1194.36,"end":1194.86,"confidence":0.9927866,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1346716582775116},{"word":"okay","start":1222.39,"end":1222.89,"confidence":0.97583693,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06255558878183365},{"word":"okay","start":1232.115,"end":1232.615,"confidence":0.81154275,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.028468603268265724},{"word":"tell","start":1237.875,"end":1238.115,"confidence":0.7316057,"punctuated_word":"Tell","sentiment":"neutral","sentiment_score":0.04303453117609024},{"word":"me","start":1238.115,"end":1238.275,"confidence":0.87499946,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.06488093733787537},{"word":"yep","start":1238.275,"end":1238.775,"confidence":0.96744484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20524486899375916},{"word":"no","start":1247.87,"end":1248.11,"confidence":0.9489734,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.049374017864465714},{"word":"no","start":1248.11,"end":1248.35,"confidence":0.98641104,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04382174462080002},{"word":"thanks","start":1248.35,"end":1248.59,"confidence":0.99147284,"punctuated_word":"Thanks.","sentiment":"neutral","sentiment_score":0.04043085128068924},{"word":"no","start":1248.59,"end":1248.83,"confidence":0.99391365,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.008367177098989487},{"word":"appreciate","start":1248.83,"end":1249.33,"confidence":0.89800024,"punctuated_word":"Appreciate","sentiment":"neutral","sentiment_score":0.3331965208053589},{"word":"your","start":1249.39,"end":1249.55,"confidence":0.99854726,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.32342398166656494},{"word":"call","start":1249.55,"end":1249.79,"confidence":0.9992078,"punctuated_word":"call","sentiment":"positive","sentiment_score":0.46609237790107727},{"word":"and","start":1249.79,"end":1250.29,"confidence":0.8877887,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3754304647445678},{"word":"your","start":1250.43,"end":1250.75,"confidence":0.97127074,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.430909126996994},{"word":"help","start":1250.75,"end":1250.99,"confidence":0.9671385,"punctuated_word":"help.","sentiment":"positive","sentiment_score":0.4088608324527741},{"word":"you","start":1250.99,"end":1251.31,"confidence":0.63354516,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.22897301614284515},{"word":"yes","start":1251.47,"end":1251.97,"confidence":0.9396169,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.27130961418151855},{"word":"appreciate","start":1252.11,"end":1252.61,"confidence":0.89212006,"punctuated_word":"Appreciate","sentiment":"positive","sentiment_score":0.4036974608898163},{"word":"it","start":1252.67,"end":1252.75,"confidence":0.82848155,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.407895028591156},{"word":"miss","start":1252.75,"end":1252.99,"confidence":0.9755814,"punctuated_word":"miss","sentiment":"neutral","sentiment_score":0.300947368144989},{"word":"beanie","start":1252.99,"end":1253.49,"confidence":0.73720217,"punctuated_word":"Beanie.","sentiment":"positive","sentiment_score":0.346493661403656},{"word":"you","start":1253.63,"end":1253.79,"confidence":0.23055142,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.05335228145122528},{"word":"say","start":1253.79,"end":1254.03,"confidence":0.8988304,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.05693569779396057},{"word":"you've","start":1254.03,"end":1254.1901,"confidence":0.91005164,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.050976257771253586},{"word":"jogged","start":1254.1901,"end":1254.51,"confidence":0.66431713,"punctuated_word":"jogged","sentiment":"neutral","sentiment_score":0.02760288491845131},{"word":"my","start":1254.51,"end":1254.67,"confidence":0.9977615,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.004558742046356201},{"word":"memory","start":1254.67,"end":1254.99,"confidence":0.99930394,"punctuated_word":"memory","sentiment":"neutral","sentiment_score":0.06655526161193848},{"word":"a","start":1254.99,"end":1255.07,"confidence":0.97424996,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.018846679478883743},{"word":"bit","start":1255.07,"end":1255.23,"confidence":0.99890137,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.00667157769203186},{"word":"because","start":1255.23,"end":1255.55,"confidence":0.91230214,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.02792482078075409},{"word":"you","start":1255.55,"end":1255.63,"confidence":0.98358107,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015283599495887756},{"word":"put","start":1255.63,"end":1255.87,"confidence":0.9603283,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.02051092684268951},{"word":"things","start":1255.87,"end":1256.11,"confidence":0.4341962,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.00868844985961914},{"word":"in","start":1256.11,"end":1256.27,"confidence":0.8813794,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.049778491258621216},{"word":"the","start":1256.27,"end":1256.43,"confidence":0.9962691,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004363581538200378},{"word":"back","start":1256.43,"end":1256.59,"confidence":0.99575305,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.06125572323799133},{"word":"burner","start":1256.59,"end":1256.99,"confidence":0.9702195,"punctuated_word":"burner","sentiment":"neutral","sentiment_score":0.05847179889678955},{"word":"and","start":1256.99,"end":1257.15,"confidence":0.6016684,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.052026063203811646},{"word":"then","start":1257.15,"end":1257.55,"confidence":0.9979532,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03074193000793457},{"word":"you","start":1257.55,"end":1257.79,"confidence":0.9923624,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08664168417453766},{"word":"forget","start":1257.79,"end":1258.11,"confidence":0.995669,"punctuated_word":"forget","sentiment":"neutral","sentiment_score":0.027399852871894836},{"word":"about","start":1258.11,"end":1258.35,"confidence":0.9958038,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.005043536424636841},{"word":"them","start":1258.35,"end":1258.85,"confidence":0.9849218,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.0772516280412674},{"word":"yeah","start":1266.245,"end":1266.745,"confidence":0.75092643,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05782127380371094},{"word":"yes","start":1290.985,"end":1291.485,"confidence":0.9835061,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.06097078695893288},{"word":"yeah","start":1293.705,"end":1293.7849,"confidence":0.8345989,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.020963432267308235},{"word":"yeah","start":1293.7849,"end":1293.865,"confidence":0.98362744,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017529523000121117},{"word":"uh-huh","start":1293.865,"end":1294.365,"confidence":0.9146143,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":0.06085316091775894},{"word":"yes","start":1299.625,"end":1300.0249,"confidence":0.98372245,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0740853101015091},{"word":"fair","start":1300.0249,"end":1300.265,"confidence":0.9904022,"punctuated_word":"Fair","sentiment":"neutral","sentiment_score":0.08102399855852127},{"word":"enough","start":1300.265,"end":1300.765,"confidence":0.99929255,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":0.135298490524292},{"word":"yes","start":1310.0,"end":1310.32,"confidence":0.98875034,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.026704180985689163},{"word":"okay","start":1310.32,"end":1310.72,"confidence":0.9908581,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02372395247220993},{"word":"fair","start":1310.72,"end":1310.88,"confidence":0.9982685,"punctuated_word":"Fair","sentiment":"neutral","sentiment_score":0.04366184026002884},{"word":"enough","start":1310.88,"end":1311.28,"confidence":0.9996445,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":0.07245153188705444},{"word":"yep","start":1311.28,"end":1311.78,"confidence":0.99227583,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.133661150932312},{"word":"yes","start":1319.545,"end":1320.045,"confidence":0.92709386,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07644607126712799},{"word":"you","start":1326.425,"end":1326.585,"confidence":0.4705274,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.06111128255724907},{"word":"know","start":1326.585,"end":1326.745,"confidence":0.89847684,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.08664017915725708},{"word":"that's","start":1326.745,"end":1326.985,"confidence":0.99743843,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1104741320014},{"word":"fine","start":1326.985,"end":1327.385,"confidence":0.9825231,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.10181508958339693},{"word":"tell","start":1327.385,"end":1327.625,"confidence":0.80949086,"punctuated_word":"Tell","sentiment":"neutral","sentiment_score":0.09437178820371628},{"word":"me","start":1327.625,"end":1327.785,"confidence":0.79116,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.09166193753480913},{"word":"yeah","start":1327.785,"end":1328.025,"confidence":0.90518844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09575366973876952},{"word":"uh-huh","start":1328.025,"end":1328.525,"confidence":0.9868553,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":0.10627448558807372},{"word":"i","start":1344.035,"end":1344.275,"confidence":0.89262277,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1507958322763443},{"word":"can","start":1344.275,"end":1344.515,"confidence":0.53444403,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11420900374650957},{"word":"know","start":1344.515,"end":1344.8351,"confidence":0.7981938,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1256197690963745},{"word":"if","start":1344.8351,"end":1344.995,"confidence":0.75963587,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12810339033603668},{"word":"you","start":1344.995,"end":1345.3151,"confidence":0.98558074,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11330902576446532},{"word":"send","start":1345.3151,"end":1345.635,"confidence":0.7755592,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.12716592848300934},{"word":"them","start":1345.635,"end":1345.795,"confidence":0.987613,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.14278483390808103},{"word":"to","start":1345.795,"end":1345.875,"confidence":0.997823,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11673528701066972},{"word":"me","start":1345.875,"end":1346.115,"confidence":0.9984981,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.11290949583053587},{"word":"via","start":1346.115,"end":1346.3551,"confidence":0.9915475,"punctuated_word":"via","sentiment":"neutral","sentiment_score":0.1141565442085266},{"word":"email","start":1346.3551,"end":1346.755,"confidence":0.72239745,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.1393212229013443},{"word":"yes","start":1346.755,"end":1347.0751,"confidence":0.8227641,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12140537798404694},{"word":"i","start":1347.0751,"end":1347.155,"confidence":0.9720505,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12273813039064407},{"word":"can","start":1347.155,"end":1347.3151,"confidence":0.9973049,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1163327693939209},{"word":"print","start":1347.3151,"end":1347.555,"confidence":0.87664497,"punctuated_word":"print","sentiment":"neutral","sentiment_score":0.13449826836586},{"word":"them","start":1347.555,"end":1347.7151,"confidence":0.99320304,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.15073992311954498},{"word":"out","start":1347.7151,"end":1347.875,"confidence":0.9696674,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.14560385048389435},{"word":"at","start":1347.875,"end":1347.9551,"confidence":0.78150403,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.122485414147377},{"word":"home","start":1347.9551,"end":1348.1951,"confidence":0.9947186,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":0.11794795095920564},{"word":"no","start":1348.1951,"end":1348.435,"confidence":0.9973688,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.1616906225681305},{"word":"problem","start":1348.435,"end":1348.8351,"confidence":0.9957049,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.18027935922145844},{"word":"yeah","start":1348.8351,"end":1349.3351,"confidence":0.79120326,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21761798858642575},{"word":"yep","start":1364.2101,"end":1364.6901,"confidence":0.9631896,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03112669102847576},{"word":"yes","start":1364.6901,"end":1364.93,"confidence":0.9893104,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.053314756602048874},{"word":"have","start":1364.93,"end":1365.17,"confidence":0.74084574,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.03644556552171707},{"word":"you","start":1365.17,"end":1365.25,"confidence":0.9994035,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03912968188524246},{"word":"got","start":1365.25,"end":1365.49,"confidence":0.997498,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04393747448921203},{"word":"all","start":1365.49,"end":1365.65,"confidence":0.9988986,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.04119277745485306},{"word":"those","start":1365.65,"end":1365.89,"confidence":0.9897133,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.029499439522624016},{"word":"details","start":1365.89,"end":1366.29,"confidence":0.99925655,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.03616971522569656},{"word":"or","start":1366.29,"end":1366.4501,"confidence":0.42979306,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.016036877408623695},{"word":"do","start":1366.4501,"end":1366.61,"confidence":0.938238,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.018869752064347267},{"word":"you","start":1366.61,"end":1366.6901,"confidence":0.9806174,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023242974653840065},{"word":"need","start":1366.6901,"end":1366.8501,"confidence":0.99715,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.023294080048799515},{"word":"them","start":1366.8501,"end":1367.01,"confidence":0.9806713,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.006195586174726486},{"word":"off","start":1367.01,"end":1367.25,"confidence":0.9584965,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.017033778131008148},{"word":"me","start":1367.25,"end":1367.49,"confidence":0.9440794,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.026255406439304352},{"word":"now","start":1367.49,"end":1367.99,"confidence":0.7805317,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.017650621011853218},{"word":"it's","start":1371.095,"end":1371.595,"confidence":0.9944794,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.0303838849067688},{"word":"the","start":1372.055,"end":1372.555,"confidence":0.8709762,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.017880083993077278},{"word":"twenty","start":1372.855,"end":1373.175,"confidence":0.7268719,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.01812513917684555},{"word":"ninth","start":1373.175,"end":1373.675,"confidence":0.97577953,"punctuated_word":"ninth","sentiment":"neutral","sentiment_score":-0.0004953742027282715},{"word":"of","start":1374.215,"end":1374.455,"confidence":0.9979874,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.018368138000369072},{"word":"the","start":1374.455,"end":1374.775,"confidence":0.998343,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.023908624425530434},{"word":"eleventh","start":1374.775,"end":1375.275,"confidence":0.99206567,"punctuated_word":"eleventh","sentiment":"neutral","sentiment_score":-0.010138333775103092},{"word":"nineteen","start":1375.415,"end":1375.915,"confidence":0.9846928,"punctuated_word":"nineteen","sentiment":"neutral","sentiment_score":-0.019013894721865657},{"word":"eighty","start":1376.055,"end":1376.375,"confidence":0.9985135,"punctuated_word":"eighty","sentiment":"neutral","sentiment_score":-0.032619718462228775},{"word":"four","start":1376.375,"end":1376.875,"confidence":0.9974543,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":-0.02544083073735237},{"word":"no","start":1387.74,"end":1387.9,"confidence":0.80933297,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.057572443038225174},{"word":"no","start":1387.9,"end":1388.14,"confidence":0.99535793,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.06178545206785202},{"word":"middle","start":1388.14,"end":1388.38,"confidence":0.95382094,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":-0.0669253021478653},{"word":"name","start":1388.38,"end":1388.7001,"confidence":0.9711728,"punctuated_word":"name.","sentiment":"neutral","sentiment_score":-0.07136963307857513},{"word":"no","start":1388.7001,"end":1388.9401,"confidence":0.98574966,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06087318807840347},{"word":"just","start":1388.9401,"end":1389.4401,"confidence":0.97857726,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.052079882472753525},{"word":"la","start":1389.5801,"end":1389.8201,"confidence":0.52495915,"punctuated_word":"La","sentiment":"neutral","sentiment_score":0.0183924101293087},{"word":"portia","start":1389.8201,"end":1390.3,"confidence":0.51332885,"punctuated_word":"Portia.","sentiment":"neutral","sentiment_score":0.03591548651456833},{"word":"yeah","start":1390.3,"end":1390.62,"confidence":0.88973904,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.038080379366874695},{"word":"uh-huh","start":1390.62,"end":1391.12,"confidence":0.99551183,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":0.0856078565120697},{"word":"alright","start":1396.14,"end":1396.62,"confidence":0.8820579,"punctuated_word":"Alright,","sentiment":"positive","sentiment_score":0.3817308843135834},{"word":"tommy","start":1396.62,"end":1396.9401,"confidence":0.9804177,"punctuated_word":"Tommy.","sentiment":"positive","sentiment_score":0.4917187094688415},{"word":"thanks","start":1396.9401,"end":1397.26,"confidence":0.9976909,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.7861725687980652},{"word":"for","start":1397.26,"end":1397.42,"confidence":0.99915695,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7794726490974426},{"word":"your","start":1397.42,"end":1397.66,"confidence":0.9977367,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7329965829849243},{"word":"time","start":1397.66,"end":1398.16,"confidence":0.9966217,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.7560657262802124},{"word":"yes","start":1402.555,"end":1402.875,"confidence":0.9604103,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.3053857088088989},{"word":"alright","start":1402.875,"end":1403.375,"confidence":0.994653,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.33717960119247437},{"word":"alright","start":1406.0751,"end":1406.395,"confidence":0.8702259,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.46233972907066345},{"word":"see","start":1406.395,"end":1406.875,"confidence":0.28172058,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.6898161172866821},{"word":"you","start":1406.875,"end":1407.375,"confidence":0.96410143,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4559049904346466}],"paragraphs":{"transcript":"\nHello? Hi. Who's outside Tommy? I don't tell me. Sorry, Tommy.\n\nI'm in the car at the moment, so I'm hands free in case I'm difficult to hear. Three. Yeah. No. That's fine.\n\nI'm just picking up my daughter from school, and I'll be I'll I'll go on to normal phone in about ten ten minutes or so. Yeah. That's fine. Yeah. Yeah.\n\nYes. Twenty second of the fourth nineteen sixty nine. My address is 7 Essence Boulevard, Mattingly, Victoria. Yeah. That's fine.\n\nYeah. Yes. That's it. Yep. Yes.\n\nUh-huh. No. Listen. You've been pretty good throughout the years, so just go ahead with what you have. And if I if I think of anything, I'll fire back at you.\n\nYeah. Okay. Yes. Yes. Yes.\n\nI think probably it's yes. Probably a little bit short of that, but round about $2.02 90 or or sorry, $1.90 or $1.90 something. Yes. Yes. Listen.\n\nTo be to to be honest, Tommy, I'm probably in around the 300 and that because I did use a bit. I've done a bit of renovation in the house this year. I put new doors in, new floors in, bits and pieces. So I'm probably sitting on the home loan around about 300 approximately. No.\n\nThat's that's me more or less finished now. Yep. Yes. Well, I I got evaluation done probably two months ago. They were saying 7 to $7.50.\n\nSo, yes, I would say you're probably right. $7.15, $7.20, something like that. No. I've I've probably about 9 on that at the moment. No.\n\nI did sell I did sell one of my vehicles, but then the one already I've still got two vehicles. Probably, I sold one of them. I have a novated lease vehicle through work and then a a u a u that I own, which is probably worth $3,538,000. Yep. Yeah.\n\nWell, say the other the other one that is the other one I sold, but I have an ovation vehicle, which is probably about two years there's probably approximately two years in in lease of three years left in that, and then I own the other one. No. No. To be honest, I did not know. I do I was speaking about it actually two weeks ago to a guy, and I said my wife would need to get her fingers right.\n\nSo I I do need to pursue that. Definitely. Yeah. Yes. Okay.\n\nRight. Yes. Yep. Yeah. So I'm there.\n\nJust a just a question for you and not Tommy just for down the track. At what at what age do kids do your kids need to be to to include them in the will? Okay. Yep. Okay.\n\nSo the super end of it's when the when the turn 18. Okay. Yes. Okay. So just leave it as it is.\n\nThat for my wife. Yeah. Okay. Yes. That's fine.\n\nYep. Just continue until if I decide to change it. Yeah? Yep. Okay.\n\nYep. Fine. No. No. I would probably I wouldn't say every week, but probably once a month, I would have a look at it just to see how it's going.\n\nWell, you know yes. You know you know absolutely with the the the I I Iranian stuff and that going on, you know you're gonna get a hit. Yes. Yes. Yes.\n\nYes. Uh-huh. Yes. Well, that would be my plan. Yeah?\n\nYes. Uh-huh. Yes. Yes. Yes.\n\nUh-huh. Yes. Yeah. Mhmm. What listen.\n\nProbably probably if I come to retirement, I would probably be using something to pay the mortgage off. So at at this point, I'm probably looking like if probably if I have another three years, just if that I'm not saying I will at 60, but if I'm looking at 60 and, you know, actually, say, three years for me roughly, well, or 61, whatever, if you if you could try and get to your 900 or whatever by then. Yeah. Yes. Mhmm.\n\nYep. Yes. Yes. Yeah. That's that's sort of where where I would like to be if possible.\n\nYeah. Yes. Uh-huh. Yes. Yes.\n\nYep. Yes. Yes. Okay. Yes.\n\nSo so probably, I'm saying, taking your honest advice, probably, as you're saying, I'm probably cheaper dropping the DynaPeg to a medium level risk. Yeah? Yes. Okay. Yes.\n\nYeah. Well, that that's fair enough. Maybe we'll go with that. Yep. Yes.\n\nMhmm. Mhmm. Yes. Okay. Yeah.\n\nMhmm. No. It's just a it's a standard actually fortnightly. No. And I don't I don't pull funds on the offset notice.\n\nAs as I said there, there's probably eight or nine grams sitting there, I think. Yes. Our fortnightly repayments are in around $1,700. Yes. Yes.\n\nThat's not the thing too, Tommy, that that that I'd wonder about. To be honest with you, I used to I know I know the threshold's changed. I used to salary sacrifice. I can't remember exactly. It was probably a couple of $100 a pay, a fortnight.\n\nNow that was pre COVID. And then once I did my tax return, I actually owed the tax amount. It wasn't a lot of money, but I still owed them some money because I went over the threshold. That that was the issue. Now as you're saying there, Tommy, if what's the threshold now?\n\nIs it 32 or something you're allowed to contribute? Mhmm. You see okay. So what what I what I might do then, Tom, talking about this then, I might actually get on to my pay office and maybe just thinking probably maybe deduct an extra $200 a fortnight into my super. Mhmm.\n\nYes. Mhmm. Yes. That's fine. Yes.\n\nBecause, actually, I've I've I've spoken about this in recent in recent times. Okay. Yes. Yep. Brilliant.\n\nYes. Okay. Yep. No. Yes.\n\nYou're you're helping me out here, but you're bringing up a lot of things that I've had in the back of my head recently. Yeah? Well, that's my aim to get out of the port. I'll work in the port. Yep.\n\nYep. No. No. You've just you've been good, Tommy. So what what what way working this?\n\nYou're gonna put this together. Do you reckon I just go ahead with the pay office and put this structure in place for an extra $200 a fortnight? I just go ahead and do that. Yep. Yep.\n\nYep. Yep. Well, by your figures, that's that'll be able to tell me what way I am without doing that or what way I am not doing it, you know, doing it or not doing it. Yes. Yep.\n\nOkay. No. I think down the track many years ago when when I started with you guys, when I was had a lot of car of sport in SwissBV, and he advised me back then probably just leave the insurances alone because at the end of the day, if something happens, your spouse is going to get your your super anyway. Yes. Yes.\n\nThat's right. Yep. Yep. That's true, Tommy. But at the end of the day, we pay that much insurance for everything.\n\nYou know? Yeah. Yes. Okay. Okay.\n\nTell me. Yep. No. No. Thanks.\n\nNo. Appreciate your call and your help. You yes. Appreciate it, miss Beanie. You say you've jogged my memory a bit because you put things in the back burner and then you forget about them.\n\nYeah. Yes. Yeah. Yeah. Uh-huh.\n\nYes. Fair enough. Yes. Okay. Fair enough.\n\nYep. Yes. You know, that's fine. Tell me. Yeah.\n\nUh-huh. I can know if you send them to me via email. Yes. I can print them out at home. No problem.\n\nYeah. Yep. Yes. Have you got all those details or do you need them off me now? It's the twenty ninth of the eleventh nineteen eighty four.\n\nNo. No middle name. No. Just La Portia. Yeah.\n\nUh-huh. Alright, Tommy. Thanks for your time. Yes. Alright.\n\nAlright. See you.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.07550719380378723},{"text":"Hi.","start":6.8799996,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.026451854035258293},{"text":"Who's outside Tommy?","start":7.2799997,"end":8.66,"sentiment":"neutral","sentiment_score":0.011460506357252598},{"text":"I don't tell me.","start":10.88,"end":11.599999,"sentiment":"neutral","sentiment_score":-0.06408420857042074},{"text":"Sorry, Tommy.","start":11.599999,"end":12.32,"sentiment":"neutral","sentiment_score":-0.06663887947797775}],"sentiment":"neutral","sentiment_score":-0.02302491148425774,"num_words":11,"start":0.48,"end":12.32},{"sentences":[{"text":"I'm in the car at the moment, so I'm hands free in case I'm difficult to hear.","start":12.32,"end":17.325,"sentiment":"neutral","sentiment_score":-0.03914816929575275},{"text":"Three.","start":20.425,"end":20.925,"sentiment":"neutral","sentiment_score":0.007512685842812061},{"text":"Yeah.","start":21.865,"end":22.105,"sentiment":"neutral","sentiment_score":0.01341230608522892},{"text":"No.","start":22.105,"end":22.425,"sentiment":"neutral","sentiment_score":0.009300634264945984},{"text":"That's fine.","start":22.425,"end":23.145,"sentiment":"neutral","sentiment_score":0.10586719214916228}],"sentiment":"neutral","sentiment_score":-0.019252675797112963,"num_words":22,"start":12.32,"end":23.145},{"sentences":[{"text":"I'm just picking up my daughter from school, and I'll be I'll I'll go on to normal phone in about ten ten minutes or so.","start":23.145,"end":30.71,"sentiment":"neutral","sentiment_score":0.08661444932222366},{"text":"Yeah.","start":35.73,"end":35.97,"sentiment":"neutral","sentiment_score":0.0865773931145668},{"text":"That's fine.","start":35.97,"end":36.61,"sentiment":"neutral","sentiment_score":0.1469181403517723},{"text":"Yeah.","start":36.61,"end":36.85,"sentiment":"neutral","sentiment_score":0.15615540742874146},{"text":"Yeah.","start":36.85,"end":37.35,"sentiment":"neutral","sentiment_score":0.20331603288650513}],"sentiment":"neutral","sentiment_score":0.09684154490629832,"num_words":30,"start":23.145,"end":37.35},{"sentences":[{"text":"Yes.","start":47.925,"end":48.245003,"sentiment":"neutral","sentiment_score":0.04098749905824661},{"text":"Twenty second of the fourth nineteen sixty nine.","start":48.245003,"end":51.465,"sentiment":"neutral","sentiment_score":0.03328747162595391},{"text":"My address is 7 Essence Boulevard, Mattingly, Victoria.","start":52.725,"end":56.345,"sentiment":"neutral","sentiment_score":0.06573290145024657},{"text":"Yeah.","start":61.66,"end":61.9,"sentiment":"neutral","sentiment_score":0.07627081871032715},{"text":"That's fine.","start":61.9,"end":62.46,"sentiment":"neutral","sentiment_score":0.12484194710850716}],"sentiment":"neutral","sentiment_score":0.057955259829759596,"num_words":20,"start":47.925,"end":62.46},{"sentences":[{"text":"Yeah.","start":62.46,"end":62.96,"sentiment":"neutral","sentiment_score":0.22873809933662417},{"text":"Yes.","start":72.22,"end":72.54,"sentiment":"neutral","sentiment_score":0.0551084503531456},{"text":"That's it.","start":72.54,"end":73.095,"sentiment":"neutral","sentiment_score":0.07013553008437157},{"text":"Yep.","start":73.255005,"end":73.755005,"sentiment":"neutral","sentiment_score":0.1486329883337021},{"text":"Yes.","start":91.35,"end":91.43,"sentiment":"neutral","sentiment_score":0.06189517676830292}],"sentiment":"neutral","sentiment_score":0.10577429582675298,"num_words":6,"start":62.46,"end":91.43},{"sentences":[{"text":"Uh-huh.","start":91.43,"end":91.93,"sentiment":"neutral","sentiment_score":0.06164320185780525},{"text":"No.","start":99.67,"end":99.909996,"sentiment":"neutral","sentiment_score":-0.0803753137588501},{"text":"Listen.","start":99.909996,"end":100.409996,"sentiment":"neutral","sentiment_score":0.012386757880449297},{"text":"You've been pretty good throughout the years, so just go ahead with what you have.","start":100.63,"end":105.065,"sentiment":"positive","sentiment_score":0.34567209482192995},{"text":"And if I if I think of anything, I'll fire back at you.","start":105.065,"end":108.205,"sentiment":"neutral","sentiment_score":0.12034291716722342}],"sentiment":"neutral","sentiment_score":0.2175223868220083,"num_words":31,"start":91.43,"end":108.205},{"sentences":[{"text":"Yeah.","start":116.025,"end":116.25,"sentiment":"neutral","sentiment_score":0.07460099458694458},{"text":"Okay.","start":118.89,"end":119.29,"sentiment":"neutral","sentiment_score":0.1168370246887207},{"text":"Yes.","start":119.29,"end":119.79,"sentiment":"neutral","sentiment_score":0.2241809070110321},{"text":"Yes.","start":129.61,"end":130.11,"sentiment":"neutral","sentiment_score":0.06292399019002914},{"text":"Yes.","start":130.49,"end":130.99,"sentiment":"neutral","sentiment_score":0.05827329307794571}],"sentiment":"neutral","sentiment_score":0.10736324191093445,"num_words":5,"start":116.025,"end":130.99},{"sentences":[{"text":"I think probably it's yes.","start":131.895,"end":140.455,"sentiment":"neutral","sentiment_score":-0.000801295880228281},{"text":"Probably a little bit short of that, but round about $2.02 90 or or sorry, $1.90 or $1.90 something.","start":140.455,"end":147.515,"sentiment":"neutral","sentiment_score":-0.02340421680740914},{"text":"Yes.","start":160.795,"end":161.295,"sentiment":"neutral","sentiment_score":0.02334694936871529},{"text":"Yes.","start":175.515,"end":175.75499,"sentiment":"neutral","sentiment_score":0.02765297144651413},{"text":"Listen.","start":175.75499,"end":176.155,"sentiment":"neutral","sentiment_score":0.0178536269813776}],"sentiment":"neutral","sentiment_score":-0.01406789077575215,"num_words":27,"start":131.895,"end":176.155},{"sentences":[{"text":"To be to to be honest, Tommy, I'm probably in around the 300 and that because I did use a bit.","start":176.155,"end":180.85,"sentiment":"neutral","sentiment_score":0.0011536974814676103},{"text":"I've done a bit of renovation in the house this year.","start":180.85,"end":183.25,"sentiment":"neutral","sentiment_score":0.013716144444928928},{"text":"I put new doors in, new floors in, bits and pieces.","start":183.25,"end":187.27,"sentiment":"neutral","sentiment_score":0.02949099445884878},{"text":"So I'm probably sitting on the home loan around about 300 approximately.","start":187.33,"end":191.43,"sentiment":"neutral","sentiment_score":0.030853295388321083},{"text":"No.","start":195.805,"end":196.045,"sentiment":"neutral","sentiment_score":-0.1109808087348938}],"sentiment":"neutral","sentiment_score":0.013549373410309531,"num_words":56,"start":176.155,"end":196.045},{"sentences":[{"text":"That's that's me more or less finished now.","start":196.045,"end":198.305,"sentiment":"neutral","sentiment_score":-0.11459642928093672},{"text":"Yep.","start":205.805,"end":206.305,"sentiment":"neutral","sentiment_score":-0.045461371541023254},{"text":"Yes.","start":212.15,"end":212.46999,"sentiment":"neutral","sentiment_score":0.038858525454998016},{"text":"Well, I I got evaluation done probably two months ago.","start":212.46999,"end":216.23,"sentiment":"neutral","sentiment_score":0.04181678257882595},{"text":"They were saying 7 to $7.50.","start":216.23,"end":219.18999,"sentiment":"neutral","sentiment_score":0.031961500023802124}],"sentiment":"neutral","sentiment_score":-0.012055286707786413,"num_words":26,"start":196.045,"end":219.18999},{"sentences":[{"text":"So, yes, I would say you're probably right.","start":219.18999,"end":221.175,"sentiment":"neutral","sentiment_score":0.11814377829432487},{"text":"$7.15, $7.20, something like that.","start":221.255,"end":233.815,"sentiment":"neutral","sentiment_score":0.07388591021299362},{"text":"No.","start":233.815,"end":234.13501,"sentiment":"neutral","sentiment_score":-0.14265881478786469},{"text":"I've I've probably about 9 on that at the moment.","start":234.13501,"end":237.035,"sentiment":"neutral","sentiment_score":-0.15358423367142676},{"text":"No.","start":246.03,"end":246.43,"sentiment":"neutral","sentiment_score":-0.04735000431537628}],"sentiment":"neutral","sentiment_score":-0.016450855135917663,"num_words":25,"start":219.18999,"end":246.43},{"sentences":[{"text":"I did sell I did sell one of my vehicles, but then the one already I've still got two vehicles.","start":246.43,"end":253.235,"sentiment":"neutral","sentiment_score":-0.05366191137582064},{"text":"Probably, I sold one of them.","start":253.375,"end":255.71501,"sentiment":"neutral","sentiment_score":-0.03372526355087757},{"text":"I have a novated lease vehicle through work and then a a u a u that I own, which is probably worth $3,538,000.","start":255.85501,"end":265.795,"sentiment":"neutral","sentiment_score":0.0030590836686315015},{"text":"Yep.","start":276.12,"end":276.36002,"sentiment":"neutral","sentiment_score":0.011762749403715134},{"text":"Yeah.","start":276.36002,"end":276.68,"sentiment":"neutral","sentiment_score":0.01277192309498787}],"sentiment":"neutral","sentiment_score":-0.023150906116557856,"num_words":51,"start":246.43,"end":276.68},{"sentences":[{"text":"Well, say the other the other one that is the other one I sold, but I have an ovation vehicle, which is probably about two years there's probably approximately two years in in lease of three years left in that, and then I own the other one.","start":276.68,"end":293.645,"sentiment":"neutral","sentiment_score":-0.0021470806046210707},{"text":"No.","start":301.19,"end":301.69,"sentiment":"neutral","sentiment_score":0.0633329302072525},{"text":"No.","start":309.165,"end":309.565,"sentiment":"neutral","sentiment_score":-0.09229319542646408},{"text":"To be honest, I did not know.","start":309.565,"end":311.42502,"sentiment":"neutral","sentiment_score":-0.10342578270605632},{"text":"I do I was speaking about it actually two weeks ago to a guy, and I said my wife would need to get her fingers right.","start":316.285,"end":323.32,"sentiment":"neutral","sentiment_score":-0.087036793335126}],"sentiment":"neutral","sentiment_score":-0.038009879991366735,"num_words":82,"start":276.68,"end":323.32},{"sentences":[{"text":"So I I do need to pursue that.","start":323.32,"end":325.08,"sentiment":"neutral","sentiment_score":-0.1137488866224885},{"text":"Definitely.","start":325.08,"end":325.58,"sentiment":"neutral","sentiment_score":0.06645677983760834},{"text":"Yeah.","start":325.72,"end":326.22,"sentiment":"neutral","sentiment_score":0.13111230731010437},{"text":"Yes.","start":335.0,"end":335.415,"sentiment":"neutral","sentiment_score":0.13417448103427887},{"text":"Okay.","start":346.45502,"end":346.95502,"sentiment":"neutral","sentiment_score":0.09120896458625792}],"sentiment":"neutral","sentiment_score":-0.04058654668430487,"num_words":12,"start":323.32,"end":346.95502},{"sentences":[{"text":"Right.","start":347.015,"end":347.33502,"sentiment":"neutral","sentiment_score":0.08228705823421478},{"text":"Yes.","start":347.33502,"end":347.83502,"sentiment":"neutral","sentiment_score":0.048614501953125},{"text":"Yep.","start":359.65997,"end":360.15997,"sentiment":"neutral","sentiment_score":0.07098962366580963},{"text":"Yeah.","start":364.725,"end":365.205,"sentiment":"neutral","sentiment_score":0.030682124197483063},{"text":"So I'm there.","start":365.205,"end":366.085,"sentiment":"neutral","sentiment_score":0.02668567995230357}],"sentiment":"neutral","sentiment_score":0.04466147827250617,"num_words":7,"start":347.015,"end":366.085},{"sentences":[{"text":"Just a just a question for you and not Tommy just for down the track.","start":366.085,"end":370.10498,"sentiment":"neutral","sentiment_score":0.006253169290721417},{"text":"At what at what age do kids do your kids need to be to to include them in the will?","start":370.725,"end":377.385,"sentiment":"neutral","sentiment_score":-0.005398961342871189},{"text":"Okay.","start":382.59,"end":383.09,"sentiment":"neutral","sentiment_score":0.04703166335821152},{"text":"Yep.","start":386.51,"end":387.01,"sentiment":"neutral","sentiment_score":0.03984205797314644},{"text":"Okay.","start":393.88498,"end":394.28497,"sentiment":"neutral","sentiment_score":0.04180758446455002}],"sentiment":"neutral","sentiment_score":0.003013147849981722,"num_words":38,"start":366.085,"end":394.28497},{"sentences":[{"text":"So the super end of it's when the when the turn 18.","start":394.28497,"end":397.10498,"sentiment":"neutral","sentiment_score":0.045132440670082964},{"text":"Okay.","start":397.16498,"end":397.66498,"sentiment":"neutral","sentiment_score":0.08851028233766556},{"text":"Yes.","start":404.28497,"end":404.78497,"sentiment":"neutral","sentiment_score":0.1448877453804016},{"text":"Okay.","start":409.36,"end":409.76,"sentiment":"neutral","sentiment_score":0.14412125945091248},{"text":"So just leave it as it is.","start":409.76,"end":411.52,"sentiment":"neutral","sentiment_score":0.1946275681257248}],"sentiment":"neutral","sentiment_score":0.10370461600409313,"num_words":22,"start":394.28497,"end":411.52},{"sentences":[{"text":"That for my wife.","start":411.52,"end":412.63998,"sentiment":"neutral","sentiment_score":0.1456795260310173},{"text":"Yeah.","start":412.63998,"end":413.13998,"sentiment":"neutral","sentiment_score":0.10391099750995636},{"text":"Okay.","start":418.0,"end":418.5,"sentiment":"neutral","sentiment_score":0.043425917625427246},{"text":"Yes.","start":419.6,"end":419.91998,"sentiment":"neutral","sentiment_score":0.15178775787353516},{"text":"That's fine.","start":419.91998,"end":420.56,"sentiment":"neutral","sentiment_score":0.2922859787940979}],"sentiment":"neutral","sentiment_score":0.16293497052457598,"num_words":9,"start":411.52,"end":420.56},{"sentences":[{"text":"Yep.","start":420.56,"end":420.825,"sentiment":"positive","sentiment_score":0.3947688043117523},{"text":"Just continue until if I decide to change it.","start":433.545,"end":436.265,"sentiment":"neutral","sentiment_score":0.09606490573949283},{"text":"Yeah?","start":436.265,"end":436.62,"sentiment":"neutral","sentiment_score":0.272327721118927},{"text":"Yep.","start":441.02,"end":441.52,"sentiment":"neutral","sentiment_score":0.19633370637893677},{"text":"Okay.","start":442.78,"end":443.28,"sentiment":"neutral","sentiment_score":0.22208711504936215}],"sentiment":"neutral","sentiment_score":0.15000780757803184,"num_words":13,"start":420.56,"end":443.28},{"sentences":[{"text":"Yep.","start":443.34,"end":443.74,"sentiment":"neutral","sentiment_score":0.2577137351036072},{"text":"Fine.","start":443.74,"end":444.24,"sentiment":"positive","sentiment_score":0.5532740354537964},{"text":"No.","start":452.965,"end":453.205,"sentiment":"neutral","sentiment_score":-0.2248866856098175},{"text":"No.","start":453.205,"end":453.445,"sentiment":"neutral","sentiment_score":-0.06816021353006363},{"text":"I would probably I wouldn't say every week, but probably once a month, I would have a look at it just to see how it's going.","start":453.445,"end":461.705,"sentiment":"neutral","sentiment_score":0.021976706070395615}],"sentiment":"neutral","sentiment_score":0.03631117430826028,"num_words":30,"start":443.34,"end":461.705},{"sentences":[{"text":"Well, you know yes.","start":466.91998,"end":467.96,"sentiment":"neutral","sentiment_score":-0.04338353220373392},{"text":"You know you know absolutely with the the the I I Iranian stuff and that going on, you know you're gonna get a hit.","start":467.96,"end":474.38,"sentiment":"neutral","sentiment_score":-0.1069297989209493},{"text":"Yes.","start":487.445,"end":487.71,"sentiment":"neutral","sentiment_score":0.17352238297462463},{"text":"Yes.","start":502.59,"end":502.905,"sentiment":"neutral","sentiment_score":-0.06515523791313171},{"text":"Yes.","start":506.26498,"end":506.585,"sentiment":"neutral","sentiment_score":-0.02508542686700821}],"sentiment":"neutral","sentiment_score":-0.08569572853945917,"num_words":31,"start":466.91998,"end":506.585},{"sentences":[{"text":"Yes.","start":506.585,"end":506.825,"sentiment":"neutral","sentiment_score":-0.018773235380649567},{"text":"Uh-huh.","start":506.825,"end":507.325,"sentiment":"neutral","sentiment_score":-0.0007225286099128425},{"text":"Yes.","start":519.78,"end":520.02,"sentiment":"neutral","sentiment_score":0.028184089809656143},{"text":"Well, that would be my plan.","start":520.02,"end":521.46,"sentiment":"neutral","sentiment_score":0.04052959724018971},{"text":"Yeah?","start":521.46,"end":521.96,"sentiment":"neutral","sentiment_score":0.042843252420425415}],"sentiment":"neutral","sentiment_score":0.02947091616806574,"num_words":10,"start":506.585,"end":521.96},{"sentences":[{"text":"Yes.","start":531.41504,"end":531.91504,"sentiment":"neutral","sentiment_score":0.029299981892108917},{"text":"Uh-huh.","start":532.455,"end":532.955,"sentiment":"neutral","sentiment_score":0.01100266259163618},{"text":"Yes.","start":549.72003,"end":550.22003,"sentiment":"neutral","sentiment_score":-0.008803177624940872},{"text":"Yes.","start":550.52,"end":551.02,"sentiment":"neutral","sentiment_score":-0.10994083434343338},{"text":"Yes.","start":563.66504,"end":564.065,"sentiment":"neutral","sentiment_score":-0.03413451835513115}],"sentiment":"neutral","sentiment_score":-0.02251517716795206,"num_words":5,"start":531.41504,"end":564.065},{"sentences":[{"text":"Uh-huh.","start":564.065,"end":564.565,"sentiment":"neutral","sentiment_score":-0.051432497799396515},{"text":"Yes.","start":572.91,"end":573.41,"sentiment":"neutral","sentiment_score":0.04628828912973404},{"text":"Yeah.","start":582.99,"end":583.49,"sentiment":"neutral","sentiment_score":0.028304601088166237},{"text":"Mhmm.","start":587.47,"end":587.97,"sentiment":"neutral","sentiment_score":0.01609860733151436},{"text":"What listen.","start":588.555,"end":597.135,"sentiment":"neutral","sentiment_score":-0.012675090692937374}],"sentiment":"neutral","sentiment_score":0.002318136394023895,"num_words":6,"start":564.065,"end":597.135},{"sentences":[{"text":"Probably probably if I come to retirement, I would probably be using something to pay the mortgage off.","start":597.195,"end":605.06,"sentiment":"neutral","sentiment_score":-0.05100755828122298},{"text":"So at at this point, I'm probably looking like if probably if I have another three years, just if that I'm not saying I will at 60, but if I'm looking at 60 and, you know, actually, say, three years for me roughly, well, or 61, whatever, if you if you could try and get to your 900 or whatever by then.","start":606.0,"end":631.58496,"sentiment":"neutral","sentiment_score":-0.022024449809724764},{"text":"Yeah.","start":638.12,"end":638.62,"sentiment":"neutral","sentiment_score":0.07248887419700623},{"text":"Yes.","start":640.84,"end":641.34,"sentiment":"neutral","sentiment_score":0.204830065369606},{"text":"Mhmm.","start":654.265,"end":654.425,"sentiment":"neutral","sentiment_score":0.05836121737957001}],"sentiment":"neutral","sentiment_score":-0.023469539521912854,"num_words":83,"start":597.195,"end":654.425},{"sentences":[{"text":"Yep.","start":654.425,"end":654.925,"sentiment":"neutral","sentiment_score":0.09222716093063354},{"text":"Yes.","start":670.16,"end":670.48,"sentiment":"neutral","sentiment_score":0.11358916759490968},{"text":"Yes.","start":670.48,"end":670.98,"sentiment":"neutral","sentiment_score":0.1004182994365692},{"text":"Yeah.","start":673.575,"end":673.815,"sentiment":"neutral","sentiment_score":0.11155889928340912},{"text":"That's that's sort of where where I would like to be if possible.","start":673.815,"end":676.775,"sentiment":"neutral","sentiment_score":0.09043748562152569}],"sentiment":"neutral","sentiment_score":0.09373416707796209,"num_words":17,"start":654.425,"end":676.775},{"sentences":[{"text":"Yeah.","start":676.775,"end":677.275,"sentiment":"neutral","sentiment_score":0.14451554417610168},{"text":"Yes.","start":693.01996,"end":693.42,"sentiment":"neutral","sentiment_score":0.042302679270505905},{"text":"Uh-huh.","start":693.42,"end":693.92,"sentiment":"neutral","sentiment_score":0.060271985828876495},{"text":"Yes.","start":701.81995,"end":702.195,"sentiment":"neutral","sentiment_score":0.1465601623058319},{"text":"Yes.","start":715.635,"end":716.135,"sentiment":"neutral","sentiment_score":0.293631911277771}],"sentiment":"neutral","sentiment_score":0.1374564565718174,"num_words":5,"start":676.775,"end":716.135},{"sentences":[{"text":"Yep.","start":722.93,"end":723.43,"sentiment":"neutral","sentiment_score":0.2039995789527893},{"text":"Yes.","start":728.61,"end":729.11,"sentiment":"neutral","sentiment_score":0.3126899003982544},{"text":"Yes.","start":742.135,"end":742.635,"sentiment":"neutral","sentiment_score":0.3228723406791687},{"text":"Okay.","start":746.98,"end":747.38,"sentiment":"neutral","sentiment_score":0.17731259763240814},{"text":"Yes.","start":747.38,"end":747.86,"sentiment":"neutral","sentiment_score":0.15995195508003235}],"sentiment":"neutral","sentiment_score":0.23536527454853057,"num_words":5,"start":722.93,"end":747.86},{"sentences":[{"text":"So so probably, I'm saying, taking your honest advice, probably, as you're saying, I'm probably cheaper dropping the DynaPeg to a medium level risk.","start":747.86,"end":758.02,"sentiment":"neutral","sentiment_score":0.10116382331276934},{"text":"Yeah?","start":758.02,"end":758.52,"sentiment":"neutral","sentiment_score":0.04323152080178261},{"text":"Yes.","start":759.47504,"end":759.97504,"sentiment":"neutral","sentiment_score":0.12927834689617157},{"text":"Okay.","start":773.635,"end":774.0,"sentiment":"neutral","sentiment_score":0.0636918842792511},{"text":"Yes.","start":774.24,"end":774.4,"sentiment":"neutral","sentiment_score":0.08629468083381653}],"sentiment":"neutral","sentiment_score":0.09822957829705306,"num_words":28,"start":747.86,"end":774.4},{"sentences":[{"text":"Yeah.","start":774.4,"end":774.56,"sentiment":"neutral","sentiment_score":0.08952732384204865},{"text":"Well, that that's fair enough.","start":774.56,"end":776.0,"sentiment":"neutral","sentiment_score":0.17541840076446533},{"text":"Maybe we'll go with that.","start":776.0,"end":777.12,"sentiment":"neutral","sentiment_score":0.18432089388370515},{"text":"Yep.","start":777.12,"end":777.62,"sentiment":"neutral","sentiment_score":0.1731492131948471},{"text":"Yes.","start":783.68,"end":784.18,"sentiment":"neutral","sentiment_score":0.16420641541481018}],"sentiment":"neutral","sentiment_score":0.17119841736096603,"num_words":13,"start":774.4,"end":784.18},{"sentences":[{"text":"Mhmm.","start":785.84,"end":786.34,"sentiment":"neutral","sentiment_score":0.07222728431224823},{"text":"Mhmm.","start":801.585,"end":802.085,"sentiment":"neutral","sentiment_score":0.043683018535375595},{"text":"Yes.","start":816.04,"end":816.405,"sentiment":"neutral","sentiment_score":0.1817260980606079},{"text":"Okay.","start":818.565,"end":819.04504,"sentiment":"neutral","sentiment_score":0.3060084283351898},{"text":"Yeah.","start":819.04504,"end":819.54504,"sentiment":"positive","sentiment_score":0.4530143141746521}],"sentiment":"neutral","sentiment_score":0.21133182868361472,"num_words":5,"start":785.84,"end":819.54504},{"sentences":[{"text":"Mhmm.","start":828.405,"end":828.905,"sentiment":"neutral","sentiment_score":0.06202685832977295},{"text":"No.","start":840.17,"end":840.41,"sentiment":"neutral","sentiment_score":-0.10067057609558104},{"text":"It's just a it's a standard actually fortnightly.","start":840.41,"end":842.83,"sentiment":"neutral","sentiment_score":-0.05942841339856386},{"text":"No.","start":843.05,"end":843.20996,"sentiment":"neutral","sentiment_score":-0.14500151574611664},{"text":"And I don't I don't pull funds on the offset notice.","start":843.20996,"end":847.105,"sentiment":"neutral","sentiment_score":-0.15774336457252502}],"sentiment":"neutral","sentiment_score":-0.10882952504537323,"num_words":22,"start":828.405,"end":847.105},{"sentences":[{"text":"As as I said there, there's probably eight or nine grams sitting there, I think.","start":847.105,"end":852.885,"sentiment":"neutral","sentiment_score":-0.07839470033844312},{"text":"Yes.","start":860.43,"end":860.83,"sentiment":"neutral","sentiment_score":0.15425927937030792},{"text":"Our fortnightly repayments are in around $1,700.","start":860.83,"end":866.61,"sentiment":"neutral","sentiment_score":0.18396672180720738},{"text":"Yes.","start":872.135,"end":872.635,"sentiment":"neutral","sentiment_score":0.10643744468688963},{"text":"Yes.","start":875.095,"end":875.595,"sentiment":"neutral","sentiment_score":0.08904808759689331}],"sentiment":"neutral","sentiment_score":0.01846365436911583,"num_words":25,"start":847.105,"end":875.595},{"sentences":[{"text":"That's not the thing too, Tommy, that that that I'd wonder about.","start":885.00995,"end":888.69,"sentiment":"neutral","sentiment_score":-0.16548893849054971},{"text":"To be honest with you, I used to I know I know the threshold's changed.","start":888.69,"end":893.64996,"sentiment":"neutral","sentiment_score":-0.13808029095331828},{"text":"I used to salary sacrifice.","start":893.64996,"end":895.43,"sentiment":"neutral","sentiment_score":-0.1373308554291725},{"text":"I can't remember exactly.","start":896.05,"end":897.32996,"sentiment":"neutral","sentiment_score":-0.10329406522214413},{"text":"It was probably a couple of $100 a pay, a fortnight.","start":897.32996,"end":901.685,"sentiment":"neutral","sentiment_score":-0.08009197393601591}],"sentiment":"neutral","sentiment_score":-0.12846625271312734,"num_words":47,"start":885.00995,"end":901.685},{"sentences":[{"text":"Now that was pre COVID.","start":902.065,"end":903.985,"sentiment":"neutral","sentiment_score":-0.09765811562538147},{"text":"And then once I did my tax return, I actually owed the tax amount.","start":903.985,"end":908.225,"sentiment":"neutral","sentiment_score":-0.15337489545345306},{"text":"It wasn't a lot of money, but I still owed them some money because I went over the threshold.","start":908.225,"end":912.325,"sentiment":"neutral","sentiment_score":-0.23734975566989497},{"text":"That that was the issue.","start":914.85004,"end":916.23004,"sentiment":"neutral","sentiment_score":-0.2799282819032669},{"text":"Now as you're saying there, Tommy, if what's the threshold now?","start":916.37,"end":920.61,"sentiment":"neutral","sentiment_score":-0.08238666944883087}],"sentiment":"neutral","sentiment_score":-0.17501998603068017,"num_words":54,"start":902.065,"end":920.61},{"sentences":[{"text":"Is it 32 or something you're allowed to contribute?","start":920.61,"end":923.27,"sentiment":"neutral","sentiment_score":0.009505713875922892},{"text":"Mhmm.","start":933.935,"end":934.435,"sentiment":"neutral","sentiment_score":0.07467999309301376},{"text":"You see okay.","start":935.61505,"end":939.61505,"sentiment":"neutral","sentiment_score":0.11816250532865524},{"text":"So what what I what I might do then, Tom, talking about this then, I might actually get on to my pay office and maybe just thinking probably maybe deduct an extra $200 a fortnight into my super.","start":939.61505,"end":956.22003,"sentiment":"neutral","sentiment_score":0.08978675296039958},{"text":"Mhmm.","start":964.22504,"end":964.72504,"sentiment":"neutral","sentiment_score":0.0238531157374382}],"sentiment":"neutral","sentiment_score":0.07597055119605592,"num_words":52,"start":920.61,"end":964.72504},{"sentences":[{"text":"Yes.","start":972.03,"end":972.53,"sentiment":"neutral","sentiment_score":0.06561708450317383},{"text":"Mhmm.","start":974.03,"end":974.53,"sentiment":"neutral","sentiment_score":0.11993974447250366},{"text":"Yes.","start":980.75,"end":981.23004,"sentiment":"neutral","sentiment_score":0.19943583011627197},{"text":"That's fine.","start":981.23004,"end":981.87,"sentiment":"neutral","sentiment_score":0.3163767158985138},{"text":"Yes.","start":981.87,"end":982.11005,"sentiment":"neutral","sentiment_score":0.2543807029724121}],"sentiment":"neutral","sentiment_score":0.21202113231023154,"num_words":6,"start":972.03,"end":982.11005},{"sentences":[{"text":"Because, actually, I've I've I've spoken about this in recent in recent times.","start":982.11005,"end":985.89,"sentiment":"neutral","sentiment_score":0.16463179599780303},{"text":"Okay.","start":1009.12,"end":1009.51996,"sentiment":"neutral","sentiment_score":0.31753772497177124},{"text":"Yes.","start":1009.51996,"end":1009.92,"sentiment":"positive","sentiment_score":0.33978623151779175},{"text":"Yep.","start":1009.92,"end":1010.32,"sentiment":"positive","sentiment_score":0.49417728185653687},{"text":"Brilliant.","start":1010.32,"end":1010.82,"sentiment":"positive","sentiment_score":0.794474184513092}],"sentiment":"neutral","sentiment_score":0.2403640453429783,"num_words":17,"start":982.11005,"end":1010.82},{"sentences":[{"text":"Yes.","start":1027.5449,"end":1027.865,"sentiment":"neutral","sentiment_score":0.1495770514011383},{"text":"Okay.","start":1027.865,"end":1028.345,"sentiment":"neutral","sentiment_score":0.16318385303020477},{"text":"Yep.","start":1028.345,"end":1028.845,"sentiment":"neutral","sentiment_score":0.1575993448495865},{"text":"No.","start":1035.8099,"end":1036.13,"sentiment":"neutral","sentiment_score":-0.13181114196777344},{"text":"Yes.","start":1036.13,"end":1036.45,"sentiment":"neutral","sentiment_score":-0.03179704397916794}],"sentiment":"neutral","sentiment_score":0.06135041266679764,"num_words":5,"start":1027.5449,"end":1036.45},{"sentences":[{"text":"You're you're helping me out here, but you're bringing up a lot of things that I've had in the back of my head recently.","start":1036.45,"end":1041.83,"sentiment":"neutral","sentiment_score":-0.016281814003984135},{"text":"Yeah?","start":1041.89,"end":1042.39,"sentiment":"neutral","sentiment_score":0.20358994603157043},{"text":"Well, that's my aim to get out of the port.","start":1053.835,"end":1055.88,"sentiment":"neutral","sentiment_score":0.067720165848732},{"text":"I'll work in the port.","start":1055.96,"end":1057.02,"sentiment":"neutral","sentiment_score":0.10372320115566254},{"text":"Yep.","start":1059.4,"end":1059.9,"sentiment":"neutral","sentiment_score":0.2315242737531662}],"sentiment":"neutral","sentiment_score":0.03024800848670122,"num_words":41,"start":1036.45,"end":1059.9},{"sentences":[{"text":"Yep.","start":1066.04,"end":1066.54,"sentiment":"neutral","sentiment_score":0.22458630800247192},{"text":"No.","start":1071.665,"end":1071.905,"sentiment":"neutral","sentiment_score":-0.04560127109289169},{"text":"No.","start":1071.905,"end":1072.145,"sentiment":"neutral","sentiment_score":-0.05630810186266899},{"text":"You've just you've been good, Tommy.","start":1072.145,"end":1073.905,"sentiment":"neutral","sentiment_score":0.006841259387632211},{"text":"So what what what way working this?","start":1073.905,"end":1076.385,"sentiment":"neutral","sentiment_score":-0.016841713339090347}],"sentiment":"neutral","sentiment_score":0.0028645311249420047,"num_words":16,"start":1066.04,"end":1076.385},{"sentences":[{"text":"You're gonna put this together.","start":1076.385,"end":1077.765,"sentiment":"neutral","sentiment_score":0.03266583830118179},{"text":"Do you reckon I just go ahead with the pay office and put this structure in place for an extra $200 a fortnight?","start":1077.985,"end":1085.12,"sentiment":"neutral","sentiment_score":0.03776855730330166},{"text":"I just go ahead and do that.","start":1085.12,"end":1086.4,"sentiment":"neutral","sentiment_score":0.06626525947025844},{"text":"Yep.","start":1086.4,"end":1086.9,"sentiment":"neutral","sentiment_score":0.10682493448257446},{"text":"Yep.","start":1093.28,"end":1093.78,"sentiment":"neutral","sentiment_score":0.0361962765455246}],"sentiment":"neutral","sentiment_score":0.0442941631568042,"num_words":37,"start":1076.385,"end":1093.78},{"sentences":[{"text":"Yep.","start":1095.04,"end":1095.54,"sentiment":"neutral","sentiment_score":0.049750372767448425},{"text":"Yep.","start":1098.0549,"end":1098.5549,"sentiment":"neutral","sentiment_score":0.05607715994119644},{"text":"Well, by your figures, that's that'll be able to tell me what way I am without doing that or what way I am not doing it, you know, doing it or not doing it.","start":1099.575,"end":1109.035,"sentiment":"neutral","sentiment_score":-0.03555544024771627},{"text":"Yes.","start":1111.8401,"end":1112.3401,"sentiment":"neutral","sentiment_score":-0.001230143941938877},{"text":"Yep.","start":1114.0801,"end":1114.48,"sentiment":"neutral","sentiment_score":0.04951569065451622}],"sentiment":"neutral","sentiment_score":-0.027757154973713977,"num_words":38,"start":1095.04,"end":1114.48},{"sentences":[{"text":"Okay.","start":1114.48,"end":1114.98,"sentiment":"neutral","sentiment_score":0.1388716697692871},{"text":"No.","start":1126.8049,"end":1127.045,"sentiment":"neutral","sentiment_score":-0.01594105176627636},{"text":"I think down the track many years ago when when I started with you guys, when I was had a lot of car of sport in SwissBV, and he advised me back then probably just leave the insurances alone because at the end of the day, if something happens, your spouse is going to get your your super anyway.","start":1127.045,"end":1147.49,"sentiment":"neutral","sentiment_score":0.017098286836329152},{"text":"Yes.","start":1157.655,"end":1158.155,"sentiment":"neutral","sentiment_score":0.08167695254087448},{"text":"Yes.","start":1158.295,"end":1158.535,"sentiment":"neutral","sentiment_score":0.1019965410232544}],"sentiment":"neutral","sentiment_score":0.020879413252548565,"num_words":63,"start":1114.48,"end":1158.535},{"sentences":[{"text":"That's right.","start":1158.535,"end":1159.175,"sentiment":"neutral","sentiment_score":0.19042451679706573},{"text":"Yep.","start":1159.175,"end":1159.675,"sentiment":"neutral","sentiment_score":0.12776100635528564},{"text":"Yep.","start":1164.99,"end":1165.49,"sentiment":"neutral","sentiment_score":-0.017780784517526627},{"text":"That's true, Tommy.","start":1166.8301,"end":1167.63,"sentiment":"neutral","sentiment_score":0.06308143213391304},{"text":"But at the end of the day, we pay that much insurance for everything.","start":1167.63,"end":1170.75,"sentiment":"neutral","sentiment_score":0.09280152033482279}],"sentiment":"neutral","sentiment_score":0.09425213507243566,"num_words":21,"start":1158.535,"end":1170.75},{"sentences":[{"text":"You know?","start":1170.75,"end":1171.41,"sentiment":"neutral","sentiment_score":0.07088935002684593},{"text":"Yeah.","start":1174.59,"end":1175.09,"sentiment":"positive","sentiment_score":0.3405127227306366},{"text":"Yes.","start":1194.36,"end":1194.86,"sentiment":"neutral","sentiment_score":0.1346716582775116},{"text":"Okay.","start":1222.39,"end":1222.89,"sentiment":"neutral","sentiment_score":0.06255558878183365},{"text":"Okay.","start":1232.115,"end":1232.615,"sentiment":"neutral","sentiment_score":0.028468603268265724}],"sentiment":"neutral","sentiment_score":0.11799787885198991,"num_words":6,"start":1170.75,"end":1232.615},{"sentences":[{"text":"Tell me.","start":1237.875,"end":1238.275,"sentiment":"neutral","sentiment_score":0.0539577342569828},{"text":"Yep.","start":1238.275,"end":1238.775,"sentiment":"neutral","sentiment_score":0.20524486899375916},{"text":"No.","start":1247.87,"end":1248.11,"sentiment":"neutral","sentiment_score":-0.049374017864465714},{"text":"No.","start":1248.11,"end":1248.35,"sentiment":"neutral","sentiment_score":-0.04382174462080002},{"text":"Thanks.","start":1248.35,"end":1248.59,"sentiment":"neutral","sentiment_score":0.04043085128068924}],"sentiment":"neutral","sentiment_score":0.043399237717191376,"num_words":6,"start":1237.875,"end":1248.59},{"sentences":[{"text":"No.","start":1248.59,"end":1248.83,"sentiment":"neutral","sentiment_score":0.008367177098989487},{"text":"Appreciate your call and your help.","start":1248.83,"end":1250.99,"sentiment":"positive","sentiment_score":0.3896522174278895},{"text":"You yes.","start":1250.99,"end":1251.97,"sentiment":"neutral","sentiment_score":0.25014131516218185},{"text":"Appreciate it, miss Beanie.","start":1252.11,"end":1253.49,"sentiment":"positive","sentiment_score":0.3647583797574043},{"text":"You say you've jogged my memory a bit because you put things in the back burner and then you forget about them.","start":1253.63,"end":1258.85,"sentiment":"neutral","sentiment_score":0.02660153518346223}],"sentiment":"neutral","sentiment_score":0.1397380115730422,"num_words":35,"start":1248.59,"end":1258.85},{"sentences":[{"text":"Yeah.","start":1266.245,"end":1266.745,"sentiment":"neutral","sentiment_score":0.05782127380371094},{"text":"Yes.","start":1290.985,"end":1291.485,"sentiment":"neutral","sentiment_score":-0.06097078695893288},{"text":"Yeah.","start":1293.705,"end":1293.7849,"sentiment":"neutral","sentiment_score":-0.020963432267308235},{"text":"Yeah.","start":1293.7849,"end":1293.865,"sentiment":"neutral","sentiment_score":0.017529523000121117},{"text":"Uh-huh.","start":1293.865,"end":1294.365,"sentiment":"neutral","sentiment_score":0.06085316091775894}],"sentiment":"neutral","sentiment_score":0.010853947699069976,"num_words":5,"start":1266.245,"end":1294.365},{"sentences":[{"text":"Yes.","start":1299.625,"end":1300.0249,"sentiment":"neutral","sentiment_score":0.0740853101015091},{"text":"Fair enough.","start":1300.0249,"end":1300.765,"sentiment":"neutral","sentiment_score":0.10816124454140663},{"text":"Yes.","start":1310.0,"end":1310.32,"sentiment":"neutral","sentiment_score":-0.026704180985689163},{"text":"Okay.","start":1310.32,"end":1310.72,"sentiment":"neutral","sentiment_score":0.02372395247220993},{"text":"Fair enough.","start":1310.72,"end":1311.28,"sentiment":"neutral","sentiment_score":0.05805668607354164}],"sentiment":"neutral","sentiment_score":0.05764870611684663,"num_words":7,"start":1299.625,"end":1311.28},{"sentences":[{"text":"Yep.","start":1311.28,"end":1311.78,"sentiment":"neutral","sentiment_score":0.133661150932312},{"text":"Yes.","start":1319.545,"end":1320.045,"sentiment":"neutral","sentiment_score":0.07644607126712799},{"text":"You know, that's fine.","start":1326.425,"end":1327.385,"sentiment":"neutral","sentiment_score":0.09001017082482576},{"text":"Tell me.","start":1327.385,"end":1327.785,"sentiment":"neutral","sentiment_score":0.0930168628692627},{"text":"Yeah.","start":1327.785,"end":1328.025,"sentiment":"neutral","sentiment_score":0.09575366973876952}],"sentiment":"neutral","sentiment_score":0.09465947788622645,"num_words":9,"start":1311.28,"end":1328.025},{"sentences":[{"text":"Uh-huh.","start":1328.025,"end":1328.525,"sentiment":"neutral","sentiment_score":0.10627448558807372},{"text":"I can know if you send them to me via email.","start":1344.035,"end":1346.755,"sentiment":"neutral","sentiment_score":0.12591912123289975},{"text":"Yes.","start":1346.755,"end":1347.0751,"sentiment":"neutral","sentiment_score":0.12140537798404694},{"text":"I can print them out at home.","start":1347.0751,"end":1348.1951,"sentiment":"neutral","sentiment_score":0.13004947240863526},{"text":"No problem.","start":1348.1951,"end":1348.8351,"sentiment":"neutral","sentiment_score":0.17098499089479446}],"sentiment":"neutral","sentiment_score":0.13023211299018425,"num_words":22,"start":1328.025,"end":1348.8351},{"sentences":[{"text":"Yeah.","start":1348.8351,"end":1349.3351,"sentiment":"neutral","sentiment_score":0.21761798858642575},{"text":"Yep.","start":1364.2101,"end":1364.6901,"sentiment":"neutral","sentiment_score":0.03112669102847576},{"text":"Yes.","start":1364.6901,"end":1364.93,"sentiment":"neutral","sentiment_score":0.053314756602048874},{"text":"Have you got all those details or do you need them off me now?","start":1364.93,"end":1367.99,"sentiment":"neutral","sentiment_score":0.02678240928798914},{"text":"It's the twenty ninth of the eleventh nineteen eighty four.","start":1371.095,"end":1376.875,"sentiment":"neutral","sentiment_score":-0.01963740224018693}],"sentiment":"neutral","sentiment_score":0.017801449772108485,"num_words":27,"start":1348.8351,"end":1376.875},{"sentences":[{"text":"No.","start":1387.74,"end":1387.9,"sentiment":"neutral","sentiment_score":-0.057572443038225174},{"text":"No middle name.","start":1387.9,"end":1388.7001,"sentiment":"neutral","sentiment_score":-0.06669346243143082},{"text":"No.","start":1388.7001,"end":1388.9401,"sentiment":"neutral","sentiment_score":-0.06087318807840347},{"text":"Just La Portia.","start":1388.9401,"end":1390.3,"sentiment":"neutral","sentiment_score":0.0007426713903745016},{"text":"Yeah.","start":1390.3,"end":1390.62,"sentiment":"neutral","sentiment_score":0.038080379366874695}],"sentiment":"neutral","sentiment_score":-0.030913069430324767,"num_words":9,"start":1387.74,"end":1390.62},{"sentences":[{"text":"Uh-huh.","start":1390.62,"end":1391.12,"sentiment":"neutral","sentiment_score":0.0856078565120697},{"text":"Alright, Tommy.","start":1396.14,"end":1396.9401,"sentiment":"positive","sentiment_score":0.43672479689121246},{"text":"Thanks for your time.","start":1396.9401,"end":1398.16,"sentiment":"positive","sentiment_score":0.7636768817901611},{"text":"Yes.","start":1402.555,"end":1402.875,"sentiment":"neutral","sentiment_score":0.3053857088088989},{"text":"Alright.","start":1402.875,"end":1403.375,"sentiment":"positive","sentiment_score":0.33717960119247437}],"sentiment":"positive","sentiment_score":0.5173700319396125,"num_words":9,"start":1390.62,"end":1403.375},{"sentences":[{"text":"Alright.","start":1406.0751,"end":1406.395,"sentiment":"positive","sentiment_score":0.46233972907066345},{"text":"See you.","start":1406.395,"end":1407.375,"sentiment":"positive","sentiment_score":0.5728605538606644}],"sentiment":"positive","sentiment_score":0.5360202789306641,"num_words":3,"start":1406.0751,"end":1407.375}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good day, Colin. Tommy here from Oakview Financial senior adviser. How are you doing?\n\nChannel 1: Hi. Who's outside Tommy?\n\nChannel 0: Yeah. It's Tommy. How are you doing?\n\nChannel 1: I don't tell me. Sorry, Tommy. I'm in the car at the moment, so I'm hands free in case I'm difficult to hear.\n\nChannel 0: Mate, I can hear you loud and clear. How am I coming on\n\nChannel 1: Three.\n\nChannel 0: your end?\n\nChannel 1: Yeah. No. That's fine. I'm just picking up my daughter from school, and I'll be I'll I'll go on to normal phone in about ten ten minutes or so.\n\nChannel 0: Okay. No worries. Do you mind if I go through and update a few details with you while you're driving?\n\nChannel 1: Yeah. That's fine. Yeah. Yeah.\n\nChannel 0: Perfect, mate. So I've got a bit of an annual review pack to send through to your email. Before I do that, could you just confirm your date of birth and address for security for me, Carl?\n\nChannel 1: Yes. Twenty second of the fourth nineteen sixty nine.\n\nChannel 0: Yep.\n\nChannel 1: My address is 7 Essence Boulevard, Mattingly, Victoria.\n\nChannel 0: Fantastic. Thank you for that, mate. And you okay for the call to be recorded?\n\nChannel 1: Yeah. That's fine. Yeah.\n\nChannel 0: Amazing. Amazing. So I'm gonna pop this through. I know you're driving, so I'm just gonna make sure this is through to your email address. I'm assuming your y seven mail is still okay?\n\nChannel 1: Yes. That's it. Yep.\n\nChannel 0: Perfect. So what's coming through to you today is just a bit of an updated report from your hub twenty four. They've got a bit more of a fancier report these days, but easier on the eyes than the old ones. And we've got some updated financial services guides and agreements for Oakview as well there, mate. Okay?\n\nChannel 1: Yes. Uh-huh.\n\nChannel 0: Cool. Now in particular, is there anything you would like me to focus on for this review? Anything in particular you're hoping to get out of this conversation?\n\nChannel 1: No. Listen. You've been pretty good throughout the years, so just go ahead with what you have. And if I if I think of anything, I'll fire back at you.\n\nChannel 0: Fantastic. So just while I've got you in the car, I'm gonna go through a couple details because we've got a new system now custom built for\n\nChannel 1: Yeah.\n\nChannel 0: us. Just make sure the details match if that's alright.\n\nChannel 1: Okay. Yes.\n\nChannel 0: Perfect. So we've got phone, email, and address is all correct. We had you married with two children and electrician for DP World.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Now I'm assuming\n\nChannel 1: I\n\nChannel 0: based on the contributions I'm seeing that your income's probably gone up to about 200,000 for the year. Does that sound about right?\n\nChannel 1: think probably it's yes. Probably a little bit short of that, but round about $2.02 90 or or sorry, $1.90 or $1.90 something.\n\nChannel 0: Yep. Okay. I'll go for $1.90 to be a bit conservative to start with. Sensational. And the only other thing I wanted to quickly check with you just in terms of assets and liabilities, Cole, we had your home,\n\nChannel 1: Yes.\n\nChannel 0: two cars, an offset account, and a home in Samoa. Now with the home, we had you owing about 305,000 at the time, and that was a pretty big focus for you to pay off. Have you put a chunk out of that so far?\n\nChannel 1: Yes. Listen. To be to to be honest, Tommy, I'm probably in around the 300 and that because I did use a bit. I've done a bit of renovation in the house this year. I put new doors in, new floors in, bits and pieces.\n\nSo I'm probably sitting on the home loan around about 300 approximately.\n\nChannel 0: Awesome. And now you've got a few more rentals to go? Or\n\nChannel 1: No. That's that's me more or less finished now.\n\nChannel 0: oh, perfect. Okay. And I'm gonna get a bit of an updated online valuation here because the market's changed a little bit. Not so\n\nChannel 1: Yep.\n\nChannel 0: much out your way, but they're they're still saying around about that 715,000 mark.\n\nChannel 1: Yes. Well, I I got evaluation done probably two months ago. They were saying 7 to $7.50. So, yes, I would say you're probably right. $7.15, $7.20, something like\n\nChannel 0: Perfect. Thank you for that. Two cars. We had about 15,000 in the offset. Did you use most of that for the renos, or have you managed to build your savings?\n\nChannel 1: that. No. I've I've probably about 9 on that at the moment.\n\nChannel 0: Yep. Sensational. And outside of the home in Samoa there, any other loans or assets you picked up since we last spoke to you?\n\nChannel 1: No. I did sell I did sell one of my vehicles, but then the one already I've still got two vehicles. Probably, I sold one of them. I have a novated lease vehicle through work and then a a u a u that I own, which is probably worth $3,538,000.\n\nChannel 0: So you've got one that's $3,538,000. I think we had a combined of two vehicles of about 60. Is the other one worth about 25?\n\nChannel 1: Yep. Yeah. Well, say the other the other one that is the other one I sold, but I have an ovation vehicle, which is probably about two years there's probably approximately two years in in lease of three years left in that, and then I own the other one.\n\nChannel 0: Yes. Okay. That's perfect. Thank you for that. Alrighty.\n\nAnd nothing else floating around, loans or assets?\n\nChannel 1: No.\n\nChannel 0: Amazing. Thank you heaps for that. And, mate, did you get a end up getting, like, a will in place since we last spoke to you?\n\nChannel 1: No. To be honest, I did not know.\n\nChannel 0: No. That's fair enough, mate. It's usually in the back of people's minds, so yearly reminder at some\n\nChannel 1: I do\n\nChannel 0: point.\n\nChannel 1: I was speaking about it actually two weeks ago to a guy, and I\n\nChannel 0: Oh,\n\nChannel 1: said my\n\nChannel 0: yeah?\n\nChannel 1: wife would need to get her fingers right. So I I do need to pursue that. Definitely. Yeah.\n\nChannel 0: Cool. So if it's easy for you, because I know when you've got assets between countries, probably better off to talk to a lawyer as point number one.\n\nChannel 1: Yes.\n\nChannel 0: You've got the public trust in courthouse of the state can also do wills. And if you wanna go that way, you can get a kit from the post office for $25, but they're very basic.\n\nChannel 1: Okay. Right. Yes.\n\nChannel 0: Okay? The one thing I wanted to sort out for you today as well was just in terms of beneficiaries for the super. Because once we moved you across from Netwealth into the hub, I just wanna make sure that that's been put in place. I'm\n\nChannel 1: Yep.\n\nChannel 0: assuming you would you're trying to put your wife on there as the beneficiary for the super. Is that correct?\n\nChannel 1: Yeah. So I'm there. Just a just a question for you and not Tommy just for down the track.\n\nChannel 0: Yeah.\n\nChannel 1: At what at what age do kids do your kids need to be to to include them in the will?\n\nChannel 0: So kids in a will is at any point.\n\nChannel 1: Okay.\n\nChannel 0: When it comes to beneficiaries of your super, if you include\n\nChannel 1: Yep.\n\nChannel 0: someone who's under 18, then if they get the money, whoever's their guardian looks after the funds on their behalf.\n\nChannel 1: Okay. So the super end of it's when the when the turn 18. Okay.\n\nChannel 0: So it's a bit easier to go to, like, a spouse because then it's all kind of tax free. Whereas\n\nChannel 1: Yes.\n\nChannel 0: when they're over 18, they're no longer a tax dependent, so they cop a little bit on there.\n\nChannel 1: Okay. So just leave it as it is. That for my wife. Yeah.\n\nChannel 0: Okay. So I will have to send you out a form to get that witnessed for it to be\n\nChannel 1: Okay.\n\nChannel 0: on the hub. Is that okay?\n\nChannel 1: Yes. That's fine. Yep.\n\nChannel 0: Cool. I'll get that all that prefilled for you. We'll do a nice clean binding legally binding nomination. And do you want it to expire every three years or just have it continuous until you change it?\n\nChannel 1: Just continue until if I decide to change it. Yeah?\n\nChannel 0: Easy done. Because that way I can kind of prefill most of the details for you, and then it's just\n\nChannel 1: Yep.\n\nChannel 0: getting it witnessed.\n\nChannel 1: Okay. Yep. Fine.\n\nChannel 0: Beautiful. Now when it comes to the super day call, do you usually log in and check-in Netwealth or your hub away, or do you usually just wait for the reviews?\n\nChannel 1: No. No. I would probably I wouldn't say every week, but probably once a month, I would have a look at it just to see how it's going.\n\nChannel 0: Perfect. And do you tie kind of marry it up with whatever's going on in the news at the time? Or\n\nChannel 1: Well, you know yes. You know you know absolutely with the the the I I Iranian stuff and that going on, you know you're gonna get a hit.\n\nChannel 0: yeah. Absolutely. You've had a pretty good run of it, thankfully, because I know that the team puts you in a bit better of a portfolio when they switched you across the hub, so it hasn't gone into the negative like the previous one. It's\n\nChannel 1: Yes.\n\nChannel 0: still up. I think you you've gone from $683,000 to $7.33, including your contributions and your growth. So there's been about $30 worth of net growth on top of your contributions in there. So it's still growing, but\n\nChannel 1: Yes.\n\nChannel 0: it's definitely had a bit of a slow year compared to last year.\n\nChannel 1: Yes. Yes. Uh-huh.\n\nChannel 0: Perfect. Two things I wanted to talk to you about. So one thing in terms of risk level, because I had you with retiring around age 60, you hit your preservation age. You're wanting to retire pretty early. Does that sound right?\n\nChannel 1: Yes. Well, that would be my plan. Yeah?\n\nChannel 0: Absolutely. So I wanna have a little bit of a a careful talk about risk level because what's essentially gonna happen is you're in a growth portfolio. You're a four out of\n\nChannel 1: Yes.\n\nChannel 0: five at this point,\n\nChannel 1: Uh-huh.\n\nChannel 0: just above medium. Now growth portfolio is great. You get your nine to 12% average returns. We love that double digits are great. You're in your last period of getting that growth because each year, you could be 800,900 then a million all in a few years' time.\n\nDoes that make sense?\n\nChannel 1: Yes.\n\nChannel 0: But\n\nChannel 1: Yes.\n\nChannel 0: at the same time, if the market crashes and the world explodes, I don't want you to drop down to 500,000 all of a sudden, and then you've got to wait another five years to retire. Do you know what I mean?\n\nChannel 1: Yes. Uh-huh.\n\nChannel 0: So I kinda call that the sequencing risk where it's like, it's all good to get the returns now, but if you're a day off retirement, you probably don't wanna be too high risk.\n\nChannel 1: Yes.\n\nChannel 0: So in terms of risk level, I was gonna talk to you about whether we stay growth or whether we just drop it down a peg into the middle, go a bit more medium with it, but it\n\nChannel 1: Yeah.\n\nChannel 0: depends on how much you're wanting for that retirement income.\n\nChannel 1: Mhmm. What\n\nChannel 0: So the question I've got is the mortgage, how close do you reckon you're gonna be to kind of knocking that out over the next few years?\n\nChannel 1: listen. Probably probably if I come to retirement, I would probably be using something to pay the mortgage off.\n\nChannel 0: Yep.\n\nChannel 1: So at at this point, I'm probably looking like if probably if I have another three years, just if that I'm not saying I will at 60, but if I'm looking at 60 and, you know, actually, say, three years for me roughly, well, or 61, whatever, if you if you could try and get to your 900 or whatever by then.\n\nChannel 0: Yep. Then that would be good. You can kind of finish\n\nChannel 1: Yeah.\n\nChannel 0: off the mortgage and have that left over to live off.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Perfect. So what that'll kind of do, let's say you get there and there's a well, let's say worst case scenario, you've still got a couple $100 owing on the mortgage and you hit a million and you trim 200 off, that\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: 800,000 is gonna be paying you somewhere between 40 to 80,000 tax free, and that's, like, enough to go past life expectancy. So that thousand dollars a week, $1,500 a week, that kind of thing with the mortgage paid down.\n\nChannel 1: Yes. Yes.\n\nChannel 0: K. How's that sounding for you?\n\nChannel 1: Yeah. That's that's sort of where where I would like to be if possible. Yeah.\n\nChannel 0: Okay. Perfect. Now when you're in a growth portfolio, I usually recommend that if you're if you're staring at more like seven to eight years. If we're still possibly looking at that three or four, we might be cutting it a bit tight in terms of risk level.\n\nChannel 1: Yes. Uh-huh.\n\nChannel 0: So what I wanted to talk to you about today so I'll give you a bit of an example. You've got about 24,000 going in in contributions before tax.\n\nChannel 1: Yes.\n\nChannel 0: So let's just say you've got $7.33, and you add in that sort of 19,000 after tax. And let's say you only get, like, a seven and a half percent return, like a medium balance\n\nChannel 1: Yes.\n\nChannel 0: one, that'll kinda get you more like a $9.50, $9.60 mark.\n\nChannel 1: Yep.\n\nChannel 0: K? That's by taking a a lower level of risk than what you're currently doing.\n\nChannel 1: Yes.\n\nChannel 0: So whether you wanted to maybe just go down that one peg and then whether it's 60 or 61, we just kind of decide together when to pull the trigger based on, you know, when you get that last really good jump in the markets, you just take the\n\nChannel 1: Yes.\n\nChannel 0: winnings and kind of convert it over into a pension after that.\n\nChannel 1: Okay. Yes. So so probably, I'm saying, taking your honest advice, probably, as you're saying, I'm probably cheaper dropping the DynaPeg to a medium level risk. Yeah?\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: That's kind of what I would advise. Like, if it's the difference between a twelve month difference in retirement versus potentially having to wait four years for it to bounce back from a market crash, I would kind of be looking towards the former.\n\nChannel 1: Okay. Yes. Yeah. Well, that that's fair enough. Maybe we'll go with that.\n\nYep.\n\nChannel 0: Okay. Cool. Again, we don't wanna get all this growth and lose it all at the end point, so I\n\nChannel 1: Yes.\n\nChannel 0: think that would be pretty prudent.\n\nChannel 1: Mhmm.\n\nChannel 0: At the same time, though, the other thing I wanted to do is we're looking at a few investments. I've just gotten back talking to the investment committee and a few different seminars with some fund managers, and we've found some really good funds that are a little bit lower fees.\n\nChannel 1: Mhmm.\n\nChannel 0: So what I'm thinking is if I lower down the risk level a little bit, we could also maybe lower your investment fees. And there's, I think, out of the eight funds that you've got, one of them has not been doing so well. So if I do a bit of an engine tune up and switch that guy out, I could probably\n\nChannel 1: Yes.\n\nChannel 0: bump up the returns a little bit too.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Perfect. So I can put that together as a bit of a updated projections for you and kind of show you what that retirement looks like.\n\nChannel 1: Mhmm.\n\nChannel 0: Now in terms of the mortgages and the contributions, are you making any extra repayments on the mortgage or pulling funds in the offset, or is it just the standard monthly?\n\nChannel 1: No. It's just a it's a standard actually fortnightly. No. And I don't I don't pull funds on the offset notice. As as I said there, there's probably eight or nine grams sitting there, I think.\n\nChannel 0: Perfect. Do you know around about how much your fortnightly repayments are? Just so I can include that in the projections.\n\nChannel 1: Yes. Our fortnightly repayments are in around $1,700.\n\nChannel 0: Yep. Okay. That'll help me just project out what's gonna be\n\nChannel 1: Yes.\n\nChannel 0: left over on that liability for you.\n\nChannel 1: Yes.\n\nChannel 0: And in terms of the contributions, do you want me to model it on just what your employer's putting in? Are you looking at doing a bit of salary sacrifice? What's your thoughts on that side?\n\nChannel 1: That's not the thing too, Tommy, that that that I'd wonder about. To be honest with you, I used to I know I know the threshold's changed. I used to salary sacrifice. I can't remember exactly. It was probably a couple of $100 a pay, a fortnight.\n\nNow that was pre COVID. And then once I did my tax return, I actually owed the tax amount. It wasn't a lot of money, but I still owed\n\nChannel 0: You're\n\nChannel 1: them some\n\nChannel 0: right.\n\nChannel 1: money because I went over the threshold. That that was the issue. Now as you're saying there, Tommy, if what's the threshold now? Is it 32 or something you're allowed to contribute?\n\nChannel 0: Yeah. It's gone up to 32 and a half, which works out to be about $3.26 a fortnight for you. And whenever I do that, I like to go a bit more conservative with it.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: You see\n\nChannel 0: safely, 300 a fortnight or less.\n\nChannel 1: okay. So what what I what I might do then, Tom, talking about this then, I might actually get on to my pay office and maybe just thinking probably maybe deduct an extra $200 a fortnight into my super.\n\nChannel 0: Okay. Alright. Now just so your own like, I know you've done it before, but that\n\nChannel 1: Mhmm.\n\nChannel 0: 200, if we go off the standard kind of tax thing, probably costs you about 140 in the hand for that\n\nChannel 1: Yes.\n\nChannel 0: pretax contribution. So\n\nChannel 1: Mhmm.\n\nChannel 0: if you want, I can at least just model that and show you the difference that that makes over the next few years of doing that 200 a fortnight.\n\nChannel 1: Yes. That's fine. Yes. Because, actually, I've I've I've spoken about this in recent in recent times.\n\nChannel 0: Yep. Alrighty. So I'll mix that in. That's looking pretty good too. So the aim of the game basically is I wanna drop down the risk level a little bit, drop down the fees a little bit, improve the contributions, and switch out some of the investments that aren't doing as well as the other ones, and that should get you a really good outcome for the next few years.\n\nChannel 1: Okay. Yes. Yep. Brilliant.\n\nChannel 0: Perfect. So I will get the team to research that and put together an updated plan. I'm gonna do a bit of a retirement analysis to show you kind of once you pay off the mortgage, how long the funds are gonna last based on that thousand to 1,500 a week after tax.\n\nChannel 1: Yes. Okay. Yep.\n\nChannel 0: Alrighty. Any questions on that so far? I know I'm still gonna put the plan together, but do you like what what we're leaning towards?\n\nChannel 1: No. Yes. You're you're helping me out here, but you're bringing up a lot of things that I've had in the back of my head recently. Yeah?\n\nChannel 0: Perfect. Well, that's my job, mate, is to guide you nice and safely into port for the next few years and then send you away within a low half flowers around your neck, and you can send us some photos back.\n\nChannel 1: Well, that's my aim to get out of the port. I'll work in the port.\n\nChannel 0: Oh, no. That's right.\n\nChannel 1: Yep.\n\nChannel 0: You are in the port. That's fantastic. I didn't mean that pun, but worked out pretty well.\n\nChannel 1: Yep.\n\nChannel 0: Alrighty. So, mate, anything else that I can do for you today?\n\nChannel 1: No. No. You've just you've been good, Tommy. So what what what way working this? You're gonna put this together.\n\nDo you reckon I just go ahead with the pay office and put this structure in place for an extra $200 a fortnight? I just go ahead and do that. Yep.\n\nChannel 0: You can do that, but as an adviser, I have to advise you to wait until you see the document first because it's kind of that wants you\n\nChannel 1: Yep.\n\nChannel 0: to implement the advice before I've\n\nChannel 1: Yep.\n\nChannel 0: shown you. But if you feel confident and safe that you've done it before,\n\nChannel 1: Yep.\n\nChannel 0: by all means.\n\nChannel 1: Well, by your figures, that's that'll be able to tell me what way I am without doing that or what way I am not doing it, you know, doing it or not doing it.\n\nChannel 0: Yeah. Yep. And see if it's worth it in terms of an\n\nChannel 1: Yes.\n\nChannel 0: impact to to bother.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Amazing. I know there's probably not any need to do anything insurance wise. Just wanted to ask the question if you were wanting me to look at anything insurances wise or just focus on the retirement.\n\nChannel 1: No. I think down the track many years ago when when I started with you guys, when I was had a lot of car of sport in SwissBV,\n\nChannel 0: Yep.\n\nChannel 1: and he advised me back then probably just leave the insurances alone because at the end of the day, if something happens, your spouse is going to get your your super anyway.\n\nChannel 0: Yeah. And that'll clear the mortgage. It'll have a whole bunch left over. Like, you use insurance to cover the deficit of the assets that you don't have. Now that you've got the assets, do you need it?\n\nChannel 1: Yes. Yes. That's right. Yep.\n\nChannel 0: And the last thing you probably want is another $10,000 coming out of your super and additional fees for something\n\nChannel 1: Yep.\n\nChannel 0: that you don't necessarily need.\n\nChannel 1: That's true, Tommy. But at the end of the day, we pay that much insurance for everything. You know?\n\nChannel 0: Yeah. And you can get a policy for everything these days.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. So between the wills, the beneficiaries, the portfolio, and everything, that's all looking pretty good. Alrighty. Outside of that, inside that pack I've sent you, it's just got the updated service agreement to remain advisers on hub twenty four if you're still comfortable with the services. Just\n\nChannel 1: Yes.\n\nChannel 0: bear in mind two little things. First of all, you are well and truly above our cap, which is 600,000 in terms of the fees. So the 1.65% caps at 600,000. You're well and truly above that, so it's flat at this point. Next year, Colin, we are bringing in tiered fee structures.\n\nSo for everyone above 200,000, we're gonna start dropping and giving some percentage discounts to everybody.\n\nChannel 1: Okay.\n\nChannel 0: So I'll leave that as the current agreement for the twelve months, but next time I speak to you after that, we'll go through that new update once we've got all the\n\nChannel 1: Okay.\n\nChannel 0: the guides and legal documents written up.\n\nChannel 1: Tell me. Yep.\n\nChannel 0: Perfect. Alright. That's pretty much everything I needed so far. Anything else I can help you with before I let you enjoy your day picking up your daughter?\n\nChannel 1: No. No. Thanks. No. Appreciate your call and your help.\n\nYou yes. Appreciate it, miss Beanie. You say you've jogged my memory a bit because you put things in the back burner and then you forget about them.\n\nChannel 0: Yeah. That's half our job, Colton. It's just good reminder and just to get that little bit of movement going where people otherwise wouldn't.\n\nChannel 1: Yeah.\n\nChannel 0: But leave it with me. I'll put together a nice, beautiful plan for you. We'll get everything kind of moving smoothly in towards that port. And like I said, drop the risk down, drop the fees, get the performance up a little bit, and you should be having a good few years. The only warning I'm gonna give you is the same one I'll give you when we go through the document is sometime over the next few years, the market is probably gonna have a bit of a dive again.\n\nWe kind\n\nChannel 1: Yes.\n\nChannel 0: of expect that with what's currently going on, but\n\nChannel 1: Yeah. Yeah. Uh-huh.\n\nChannel 0: I'm factoring in that we can still get you there even once it bounces back after that.\n\nChannel 1: Yes. Fair enough.\n\nChannel 0: Cool. So the main thing is, again, I don't want you dropping down $250,000 in a single year because we've left you in too high risk for too long.\n\nChannel 1: Yes. Okay. Fair enough. Yep.\n\nChannel 0: Cool. Outside of that, mate, I probably need a couple of weeks. I've just gotten back from paternity leave, so I've booked out at the moment.\n\nChannel 1: Yes.\n\nChannel 0: But are you okay if the team reaches out in a fortnight and just gets you booked in to go through that plan with me?\n\nChannel 1: You know, that's fine. Tell me. Yeah. Uh-huh.\n\nChannel 0: Perfect. Perfect. Perfect. If there's anything else we need, we will reach out. But outside of that, we'll send you those beneficiary forms.\n\nColin, do you have access to a a printer to print out the forms, or do you want me to post them with a return envelope? Well, it's easier.\n\nChannel 1: I can know if you send them to me via email. Yes. I can print them out at home. No problem. Yeah.\n\nChannel 0: Easy done. And I'll prefill them in with that binding nonlapsing nomination to your spouse there. Do you want me to put in her details as well in terms of date of birth and everything? Or\n\nChannel 1: Yep. Yes. Have you got all those details or do you need them off me now?\n\nChannel 0: the only one I don't have is the date of birth.\n\nChannel 1: It's the twenty ninth of the eleventh nineteen eighty four.\n\nChannel 0: 1984. So we've got MacNeil, 11/29/1984. And middle name?\n\nChannel 1: No. No middle name. No.\n\nChannel 0: No\n\nChannel 1: Just\n\nChannel 0: middle name.\n\nChannel 1: La Portia. Yeah. Uh-huh.\n\nChannel 0: Perfect. Alrighty. Yeah. I can get that prefilled. No worries at all.\n\nChannel 1: Alright, Tommy. Thanks for your time.\n\nChannel 0: No worries. Thank you for yours, Colin, and I will speak to you in a couple of weeks.\n\nChannel 1: Yes. Alright.\n\nChannel 0: Alrighty, man. Have a great\n\nChannel 1: Alright.\n\nChannel 0: day. Thank\n\nChannel 1: See\n\nChannel 0: you so much.\n\nChannel 1: you.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.07550719380378723}],"sentiment":"neutral","sentiment_score":0.07550719380378723,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Good day, Colin.","start":2.72,"end":3.4399998,"sentiment":"positive","sentiment_score":0.37888946135838825},{"text":"Tommy here from Oakview Financial senior adviser.","start":3.4399998,"end":5.68,"sentiment":"neutral","sentiment_score":0.2733976755823408},{"text":"How are you doing?","start":5.68,"end":6.5,"sentiment":"neutral","sentiment_score":0.221475038677454}],"sentiment":"neutral","sentiment_score":0.28116801913295475,"channel":0,"num_words":14,"start":2.72,"end":6.5},{"sentences":[{"text":"Hi.","start":6.8799996,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.026451854035258293},{"text":"Who's outside Tommy?","start":7.2799997,"end":8.66,"sentiment":"neutral","sentiment_score":0.011460506357252598}],"sentiment":"neutral","sentiment_score":0.015208343276754022,"channel":1,"num_words":4,"start":6.8799996,"end":8.66},{"sentences":[{"text":"Yeah.","start":8.88,"end":9.12,"sentiment":"neutral","sentiment_score":0.03552959859371185},{"text":"It's Tommy.","start":9.12,"end":9.599999,"sentiment":"neutral","sentiment_score":0.06414341181516647},{"text":"How are you doing?","start":9.599999,"end":10.5,"sentiment":"neutral","sentiment_score":0.10412861779332161}],"sentiment":"neutral","sentiment_score":0.08290441334247589,"channel":0,"num_words":7,"start":8.88,"end":10.5},{"sentences":[{"text":"I don't tell me.","start":10.88,"end":11.599999,"sentiment":"neutral","sentiment_score":-0.06408420857042074},{"text":"Sorry, Tommy.","start":11.599999,"end":12.32,"sentiment":"neutral","sentiment_score":-0.06663887947797775},{"text":"I'm in the car at the moment, so I'm hands free in case I'm difficult to hear.","start":12.32,"end":17.325,"sentiment":"neutral","sentiment_score":-0.03914816929575275}],"sentiment":"neutral","sentiment_score":-0.04587536831588849,"channel":1,"num_words":23,"start":10.88,"end":17.325},{"sentences":[{"text":"Mate, I can hear you loud and clear.","start":18.095001,"end":19.615,"sentiment":"neutral","sentiment_score":0.03126157005317509},{"text":"How am I coming on","start":19.615,"end":20.575,"sentiment":"neutral","sentiment_score":0.012322921492159366}],"sentiment":"neutral","sentiment_score":0.023977474452784427,"channel":0,"num_words":13,"start":18.095001,"end":20.575},{"sentences":[{"text":"Three.","start":20.425,"end":20.925,"sentiment":"neutral","sentiment_score":0.007512685842812061}],"sentiment":"neutral","sentiment_score":0.007512685842812061,"channel":1,"num_words":1,"start":20.425,"end":20.925},{"sentences":[{"text":"your end?","start":20.575,"end":21.315,"sentiment":"neutral","sentiment_score":0.002737713512033224}],"sentiment":"neutral","sentiment_score":0.002737713512033224,"channel":0,"num_words":2,"start":20.575,"end":21.315},{"sentences":[{"text":"Yeah.","start":21.865,"end":22.105,"sentiment":"neutral","sentiment_score":0.01341230608522892},{"text":"No.","start":22.105,"end":22.425,"sentiment":"neutral","sentiment_score":0.009300634264945984},{"text":"That's fine.","start":22.425,"end":23.145,"sentiment":"neutral","sentiment_score":0.10586719214916228},{"text":"I'm just picking up my daughter from school, and I'll be I'll I'll go on to normal phone in about ten ten minutes or so.","start":23.145,"end":30.71,"sentiment":"neutral","sentiment_score":0.08661444932222366}],"sentiment":"neutral","sentiment_score":0.08275201923117556,"channel":1,"num_words":29,"start":21.865,"end":30.71},{"sentences":[{"text":"Okay.","start":30.990002,"end":31.310001,"sentiment":"neutral","sentiment_score":0.09714768826961516},{"text":"No worries.","start":31.310001,"end":31.87,"sentiment":"neutral","sentiment_score":0.10715735703706741},{"text":"Do you mind if I go through and update a few details with you while you're driving?","start":31.87,"end":35.25,"sentiment":"neutral","sentiment_score":0.06963259441887631}],"sentiment":"neutral","sentiment_score":0.07476082537323236,"channel":0,"num_words":20,"start":30.990002,"end":35.25},{"sentences":[{"text":"Yeah.","start":35.73,"end":35.97,"sentiment":"neutral","sentiment_score":0.0865773931145668},{"text":"That's fine.","start":35.97,"end":36.61,"sentiment":"neutral","sentiment_score":0.1469181403517723},{"text":"Yeah.","start":36.61,"end":36.85,"sentiment":"neutral","sentiment_score":0.15615540742874146},{"text":"Yeah.","start":36.85,"end":37.35,"sentiment":"neutral","sentiment_score":0.20331603288650513}],"sentiment":"neutral","sentiment_score":0.1479770228266716,"channel":1,"num_words":5,"start":35.73,"end":37.35},{"sentences":[{"text":"Perfect, mate.","start":37.565,"end":38.204998,"sentiment":"positive","sentiment_score":0.4895149767398834},{"text":"So I've got a bit of an annual review pack to send through to your email.","start":38.204998,"end":41.344997,"sentiment":"neutral","sentiment_score":0.2422222252935171},{"text":"Before I do that, could you just confirm your date of birth and address for security for me, Carl?","start":41.565,"end":47.425,"sentiment":"neutral","sentiment_score":0.10680861888747466}],"sentiment":"neutral","sentiment_score":0.18605268424427188,"channel":0,"num_words":37,"start":37.565,"end":47.425},{"sentences":[{"text":"Yes.","start":47.925,"end":48.245003,"sentiment":"neutral","sentiment_score":0.04098749905824661},{"text":"Twenty second of the fourth nineteen sixty nine.","start":48.245003,"end":51.465,"sentiment":"neutral","sentiment_score":0.03328747162595391}],"sentiment":"neutral","sentiment_score":0.03414303022954199,"channel":1,"num_words":9,"start":47.925,"end":51.465},{"sentences":[{"text":"Yep.","start":51.58,"end":52.08,"sentiment":"neutral","sentiment_score":0.059125274419784546}],"sentiment":"neutral","sentiment_score":0.059125274419784546,"channel":0,"num_words":1,"start":51.58,"end":52.08},{"sentences":[{"text":"My address is 7 Essence Boulevard, Mattingly, Victoria.","start":52.725,"end":56.345,"sentiment":"neutral","sentiment_score":0.06573290145024657}],"sentiment":"neutral","sentiment_score":0.06573290145024657,"channel":1,"num_words":8,"start":52.725,"end":56.345},{"sentences":[{"text":"Fantastic.","start":57.58,"end":58.08,"sentiment":"positive","sentiment_score":0.5954493284225464},{"text":"Thank you for that, mate.","start":58.14,"end":58.940002,"sentiment":"positive","sentiment_score":0.6310942530632019},{"text":"And you okay for the call to be recorded?","start":58.940002,"end":60.800003,"sentiment":"neutral","sentiment_score":0.15406977385282516}],"sentiment":"positive","sentiment_score":0.34250323722759884,"channel":0,"num_words":15,"start":57.58,"end":60.800003},{"sentences":[{"text":"Yeah.","start":61.66,"end":61.9,"sentiment":"neutral","sentiment_score":0.07627081871032715},{"text":"That's fine.","start":61.9,"end":62.46,"sentiment":"neutral","sentiment_score":0.12484194710850716},{"text":"Yeah.","start":62.46,"end":62.96,"sentiment":"neutral","sentiment_score":0.22873809933662417}],"sentiment":"neutral","sentiment_score":0.1386732030659914,"channel":1,"num_words":4,"start":61.66,"end":62.96},{"sentences":[{"text":"Amazing.","start":63.325,"end":63.725002,"sentiment":"positive","sentiment_score":0.43997177481651306},{"text":"Amazing.","start":63.725002,"end":64.125,"sentiment":"positive","sentiment_score":0.3993757963180542},{"text":"So I'm gonna pop this through.","start":64.125,"end":65.325,"sentiment":"neutral","sentiment_score":0.1870370035370191},{"text":"I know you're driving, so I'm just gonna make sure this is through to your email address.","start":65.325,"end":69.025,"sentiment":"neutral","sentiment_score":0.11455273365273196},{"text":"I'm assuming your y seven mail is still okay?","start":69.325,"end":71.745,"sentiment":"neutral","sentiment_score":0.056034705291191735}],"sentiment":"neutral","sentiment_score":0.1298023062374662,"channel":0,"num_words":34,"start":63.325,"end":71.745},{"sentences":[{"text":"Yes.","start":72.22,"end":72.54,"sentiment":"neutral","sentiment_score":0.0551084503531456},{"text":"That's it.","start":72.54,"end":73.095,"sentiment":"neutral","sentiment_score":0.07013553008437157},{"text":"Yep.","start":73.255005,"end":73.755005,"sentiment":"neutral","sentiment_score":0.1486329883337021}],"sentiment":"neutral","sentiment_score":0.0860031247138977,"channel":1,"num_words":4,"start":72.22,"end":73.755005},{"sentences":[{"text":"Perfect.","start":73.899994,"end":74.21999,"sentiment":"neutral","sentiment_score":0.29790830612182617},{"text":"So what's coming through to you today is just a bit of an updated report from your hub twenty four.","start":74.21999,"end":79.03999,"sentiment":"neutral","sentiment_score":0.1714094750583172},{"text":"They've got a bit more of a fancier report these days, but easier on the eyes than the old ones.","start":79.259995,"end":84.079994,"sentiment":"neutral","sentiment_score":0.20020325630903243},{"text":"And we've got some updated financial services guides and agreements for Oakview as well there, mate.","start":84.21999,"end":90.325005,"sentiment":"neutral","sentiment_score":0.18197451531887054},{"text":"Okay?","start":90.325005,"end":90.825005,"sentiment":"neutral","sentiment_score":0.11169078946113586}],"sentiment":"neutral","sentiment_score":0.18540424082813592,"channel":0,"num_words":58,"start":73.899994,"end":90.825005},{"sentences":[{"text":"Yes.","start":91.35,"end":91.43,"sentiment":"neutral","sentiment_score":0.06189517676830292},{"text":"Uh-huh.","start":91.43,"end":91.93,"sentiment":"neutral","sentiment_score":0.06164320185780525}],"sentiment":"neutral","sentiment_score":0.061769189313054085,"channel":1,"num_words":2,"start":91.35,"end":91.93},{"sentences":[{"text":"Cool.","start":92.325005,"end":92.645004,"sentiment":"neutral","sentiment_score":0.21547645330429077},{"text":"Now in particular, is there anything you would like me to focus on for this review?","start":92.645004,"end":96.405,"sentiment":"neutral","sentiment_score":0.10865352349355817},{"text":"Anything in particular you're hoping to get out of this conversation?","start":96.405,"end":98.905,"sentiment":"neutral","sentiment_score":0.05787187679247423}],"sentiment":"neutral","sentiment_score":0.09251869549708706,"channel":0,"num_words":28,"start":92.325005,"end":98.905},{"sentences":[{"text":"No.","start":99.67,"end":99.909996,"sentiment":"neutral","sentiment_score":-0.0803753137588501},{"text":"Listen.","start":99.909996,"end":100.409996,"sentiment":"neutral","sentiment_score":0.012386757880449297},{"text":"You've been pretty good throughout the years, so just go ahead with what you have.","start":100.63,"end":105.065,"sentiment":"positive","sentiment_score":0.34567209482192995},{"text":"And if I if I think of anything, I'll fire back at you.","start":105.065,"end":108.205,"sentiment":"neutral","sentiment_score":0.12034291716722342}],"sentiment":"neutral","sentiment_score":0.2227183596541484,"channel":1,"num_words":30,"start":99.67,"end":108.205},{"sentences":[{"text":"Fantastic.","start":109.3,"end":109.8,"sentiment":"positive","sentiment_score":0.7408673763275146},{"text":"So just while I've got you in the car, I'm gonna go through a couple details because we've got a new system now custom built for","start":110.18,"end":116.025,"sentiment":"neutral","sentiment_score":0.15680320460635883}],"sentiment":"neutral","sentiment_score":0.17843521096640164,"channel":0,"num_words":27,"start":109.3,"end":116.025},{"sentences":[{"text":"Yeah.","start":116.025,"end":116.25,"sentiment":"neutral","sentiment_score":0.07460099458694458}],"sentiment":"neutral","sentiment_score":0.07460099458694458,"channel":1,"num_words":1,"start":116.025,"end":116.25},{"sentences":[{"text":"us.","start":116.025,"end":116.345,"sentiment":"neutral","sentiment_score":0.10891644656658173},{"text":"Just make sure the details match if that's alright.","start":116.345,"end":118.525,"sentiment":"neutral","sentiment_score":0.07246610066956943}],"sentiment":"neutral","sentiment_score":0.07611113525927067,"channel":0,"num_words":10,"start":116.025,"end":118.525},{"sentences":[{"text":"Okay.","start":118.89,"end":119.29,"sentiment":"neutral","sentiment_score":0.1168370246887207},{"text":"Yes.","start":119.29,"end":119.79,"sentiment":"neutral","sentiment_score":0.2241809070110321}],"sentiment":"neutral","sentiment_score":0.1705089658498764,"channel":1,"num_words":2,"start":118.89,"end":119.79},{"sentences":[{"text":"Perfect.","start":120.105,"end":120.505,"sentiment":"positive","sentiment_score":0.4538341760635376},{"text":"So we've got phone, email, and address is all correct.","start":120.505,"end":123.405,"sentiment":"neutral","sentiment_score":0.17636440992355346},{"text":"We had you married with two children and electrician for DP World.","start":123.705,"end":129.725,"sentiment":"neutral","sentiment_score":0.08253946620970964}],"sentiment":"neutral","sentiment_score":0.13947616825285164,"channel":0,"num_words":23,"start":120.105,"end":129.725},{"sentences":[{"text":"Yes.","start":129.61,"end":130.11,"sentiment":"neutral","sentiment_score":0.06292399019002914},{"text":"Yes.","start":130.49,"end":130.99,"sentiment":"neutral","sentiment_score":0.05827329307794571}],"sentiment":"neutral","sentiment_score":0.06059864163398743,"channel":1,"num_words":2,"start":129.61,"end":130.99},{"sentences":[{"text":"Now I'm assuming","start":131.32,"end":132.36,"sentiment":"neutral","sentiment_score":0.06400172784924507}],"sentiment":"neutral","sentiment_score":0.06400172784924507,"channel":0,"num_words":3,"start":131.32,"end":132.36},{"sentences":[{"text":"I","start":131.895,"end":132.395,"sentiment":"neutral","sentiment_score":0.046401213854551315}],"sentiment":"neutral","sentiment_score":0.046401213854551315,"channel":1,"num_words":1,"start":131.895,"end":132.395},{"sentences":[{"text":"based on the contributions I'm seeing that your income's probably gone up to about 200,000 for the year.","start":132.36,"end":137.72,"sentiment":"neutral","sentiment_score":0.055262076358000435},{"text":"Does that sound about right?","start":137.72,"end":139.1,"sentiment":"neutral","sentiment_score":0.044892773032188416}],"sentiment":"neutral","sentiment_score":0.05300787998282391,"channel":0,"num_words":23,"start":132.36,"end":139.1},{"sentences":[{"text":"think probably it's yes.","start":139.41501,"end":140.455,"sentiment":"neutral","sentiment_score":-0.01260192331392318},{"text":"Probably a little bit short of that, but round about $2.02 90 or or sorry, $1.90 or $1.90 something.","start":140.455,"end":147.515,"sentiment":"neutral","sentiment_score":-0.02340421680740914}],"sentiment":"neutral","sentiment_score":-0.02152555706941158,"channel":1,"num_words":23,"start":139.41501,"end":147.515},{"sentences":[{"text":"Yep.","start":147.895,"end":148.21501,"sentiment":"neutral","sentiment_score":0.0713629424571991},{"text":"Okay.","start":148.21501,"end":148.535,"sentiment":"neutral","sentiment_score":0.08446073532104492},{"text":"I'll go for $1.90 to be a bit conservative to start with.","start":148.535,"end":151.675,"sentiment":"neutral","sentiment_score":0.0981280750905474},{"text":"Sensational.","start":153.175,"end":153.675,"sentiment":"neutral","sentiment_score":0.11624743789434432},{"text":"And the only other thing I wanted to quickly check with you just in terms of assets and liabilities, Cole, we had your home,","start":154.47,"end":161.13,"sentiment":"neutral","sentiment_score":0.014703808274740974}],"sentiment":"neutral","sentiment_score":0.04621793372699848,"channel":0,"num_words":39,"start":147.895,"end":161.13},{"sentences":[{"text":"Yes.","start":160.795,"end":161.295,"sentiment":"neutral","sentiment_score":0.02334694936871529}],"sentiment":"neutral","sentiment_score":0.02334694936871529,"channel":1,"num_words":1,"start":160.795,"end":161.295},{"sentences":[{"text":"two cars, an offset account, and a home in Samoa.","start":161.35,"end":164.49,"sentiment":"neutral","sentiment_score":0.014712239988148213},{"text":"Now with the home, we had you owing about 305,000 at the time, and that was a pretty big focus for you to pay off.","start":166.485,"end":172.82501,"sentiment":"neutral","sentiment_score":-0.006039528399705887},{"text":"Have you put a chunk out of that so far?","start":172.88501,"end":175.545,"sentiment":"neutral","sentiment_score":0.01494013424962759}],"sentiment":"neutral","sentiment_score":0.0032341229418913525,"channel":0,"num_words":45,"start":161.35,"end":175.545},{"sentences":[{"text":"Yes.","start":175.515,"end":175.75499,"sentiment":"neutral","sentiment_score":0.02765297144651413},{"text":"Listen.","start":175.75499,"end":176.155,"sentiment":"neutral","sentiment_score":0.0178536269813776},{"text":"To be to to be honest, Tommy, I'm probably in around the 300 and that because I did use a bit.","start":176.155,"end":180.85,"sentiment":"neutral","sentiment_score":0.0011536974814676103},{"text":"I've done a bit of renovation in the house this year.","start":180.85,"end":183.25,"sentiment":"neutral","sentiment_score":0.013716144444928928},{"text":"I put new doors in, new floors in, bits and pieces.","start":183.25,"end":187.27,"sentiment":"neutral","sentiment_score":0.02949099445884878}],"sentiment":"neutral","sentiment_score":0.01211139496622814,"channel":1,"num_words":45,"start":175.515,"end":187.27},{"sentences":[{"text":"So I'm probably sitting on the home loan around about 300 approximately.","start":187.33,"end":191.43,"sentiment":"neutral","sentiment_score":0.030853295388321083}],"sentiment":"neutral","sentiment_score":0.030853295388321083,"channel":1,"num_words":12,"start":187.33,"end":191.43},{"sentences":[{"text":"Awesome.","start":192.115,"end":192.595,"sentiment":"neutral","sentiment_score":0.27110934257507324},{"text":"And now you've got a few more rentals to go?","start":192.595,"end":194.595,"sentiment":"neutral","sentiment_score":0.04971371591091156},{"text":"Or","start":194.595,"end":195.095,"sentiment":"neutral","sentiment_score":-0.03682920336723328}],"sentiment":"neutral","sentiment_score":0.060951441526412964,"channel":0,"num_words":12,"start":192.115,"end":195.095},{"sentences":[{"text":"No.","start":195.805,"end":196.045,"sentiment":"neutral","sentiment_score":-0.1109808087348938},{"text":"That's that's me more or less finished now.","start":196.045,"end":198.305,"sentiment":"neutral","sentiment_score":-0.11459642928093672}],"sentiment":"neutral","sentiment_score":-0.11419469366470973,"channel":1,"num_words":9,"start":195.805,"end":198.305},{"sentences":[{"text":"oh, perfect.","start":198.675,"end":199.315,"sentiment":"neutral","sentiment_score":0.16769278049468994},{"text":"Okay.","start":199.315,"end":199.815,"sentiment":"neutral","sentiment_score":0.07100842893123627},{"text":"And I'm gonna get a bit of an updated online valuation here because the market's changed a little bit.","start":200.115,"end":205.35,"sentiment":"neutral","sentiment_score":0.02927454482567938},{"text":"Not so","start":205.59001,"end":205.83,"sentiment":"neutral","sentiment_score":-0.059827690944075584}],"sentiment":"neutral","sentiment_score":0.035123123321682215,"channel":0,"num_words":24,"start":198.675,"end":205.83},{"sentences":[{"text":"Yep.","start":205.805,"end":206.305,"sentiment":"neutral","sentiment_score":-0.045461371541023254}],"sentiment":"neutral","sentiment_score":-0.045461371541023254,"channel":1,"num_words":1,"start":205.805,"end":206.305},{"sentences":[{"text":"much out your way, but they're they're still saying around about that 715,000 mark.","start":205.83,"end":211.61,"sentiment":"neutral","sentiment_score":-0.036397969483264854}],"sentiment":"neutral","sentiment_score":-0.036397969483264854,"channel":0,"num_words":14,"start":205.83,"end":211.61},{"sentences":[{"text":"Yes.","start":212.15,"end":212.46999,"sentiment":"neutral","sentiment_score":0.038858525454998016},{"text":"Well, I I got evaluation done probably two months ago.","start":212.46999,"end":216.23,"sentiment":"neutral","sentiment_score":0.04181678257882595},{"text":"They were saying 7 to $7.50.","start":216.23,"end":219.18999,"sentiment":"neutral","sentiment_score":0.031961500023802124},{"text":"So, yes, I would say you're probably right.","start":219.18999,"end":221.175,"sentiment":"neutral","sentiment_score":0.11814377829432487},{"text":"$7.15, $7.20, something like","start":221.255,"end":223.99501,"sentiment":"neutral","sentiment_score":0.09730393253266811}],"sentiment":"neutral","sentiment_score":0.06838487268521867,"channel":1,"num_words":29,"start":212.15,"end":223.99501},{"sentences":[{"text":"Perfect.","start":225.045,"end":225.545,"sentiment":"neutral","sentiment_score":0.2935205101966858},{"text":"Thank you for that.","start":225.685,"end":226.82501,"sentiment":"positive","sentiment_score":0.5657121986150742},{"text":"Two cars.","start":227.52501,"end":228.085,"sentiment":"neutral","sentiment_score":0.0022092125145718455},{"text":"We had about 15,000 in the offset.","start":228.085,"end":229.925,"sentiment":"neutral","sentiment_score":0.010475206255380596},{"text":"Did you use most of that for the renos, or have you managed to build your savings?","start":229.925,"end":233.34,"sentiment":"neutral","sentiment_score":0.008600968210136188}],"sentiment":"neutral","sentiment_score":0.08968808493697114,"channel":0,"num_words":31,"start":225.045,"end":233.34},{"sentences":[{"text":"that.","start":233.575,"end":233.815,"sentiment":"neutral","sentiment_score":-0.019786179065704346},{"text":"No.","start":233.815,"end":234.13501,"sentiment":"neutral","sentiment_score":-0.14265881478786469},{"text":"I've I've probably about 9 on that at the moment.","start":234.13501,"end":237.035,"sentiment":"neutral","sentiment_score":-0.15358423367142676}],"sentiment":"neutral","sentiment_score":-0.1415239442139864,"channel":1,"num_words":12,"start":233.575,"end":237.035},{"sentences":[{"text":"Yep.","start":237.34,"end":237.84,"sentiment":"neutral","sentiment_score":0.017804374918341637},{"text":"Sensational.","start":237.98,"end":238.48,"sentiment":"neutral","sentiment_score":0.006298494525253773},{"text":"And outside of the home in Samoa there, any other loans or assets you picked up since we last spoke to you?","start":239.01999,"end":245.355,"sentiment":"neutral","sentiment_score":0.003080830591815439}],"sentiment":"neutral","sentiment_score":0.003828380935980628,"channel":0,"num_words":24,"start":237.34,"end":245.355},{"sentences":[{"text":"No.","start":246.03,"end":246.43,"sentiment":"neutral","sentiment_score":-0.04735000431537628},{"text":"I did sell I did sell one of my vehicles, but then the one already I've still got two vehicles.","start":246.43,"end":253.235,"sentiment":"neutral","sentiment_score":-0.05366191137582064},{"text":"Probably, I sold one of them.","start":253.375,"end":255.71501,"sentiment":"neutral","sentiment_score":-0.03372526355087757},{"text":"I have a novated lease vehicle through work and then a a u a u that I own, which is probably worth $3,538,000.","start":255.85501,"end":265.795,"sentiment":"neutral","sentiment_score":0.0030590836686315015}],"sentiment":"neutral","sentiment_score":-0.0250516177751706,"channel":1,"num_words":50,"start":246.03,"end":265.795},{"sentences":[{"text":"So you've got one that's $3,538,000.","start":267.13,"end":269.94998,"sentiment":"neutral","sentiment_score":-0.007382723658035199},{"text":"I think we had a combined of two vehicles of about 60.","start":270.495,"end":273.475,"sentiment":"neutral","sentiment_score":-0.006864613387733698},{"text":"Is the other one worth about 25?","start":273.535,"end":275.315,"sentiment":"neutral","sentiment_score":-0.00868615328467318}],"sentiment":"neutral","sentiment_score":-0.007498991023749113,"channel":0,"num_words":25,"start":267.13,"end":275.315},{"sentences":[{"text":"Yep.","start":276.12,"end":276.36002,"sentiment":"neutral","sentiment_score":0.011762749403715134},{"text":"Yeah.","start":276.36002,"end":276.68,"sentiment":"neutral","sentiment_score":0.01277192309498787},{"text":"Well, say the other the other one that is the other one I sold, but I have an ovation vehicle, which is probably about two years there's probably approximately two years in in lease of three years left in that, and then I own the other one.","start":276.68,"end":293.645,"sentiment":"neutral","sentiment_score":-0.0021470806046210707}],"sentiment":"neutral","sentiment_score":-0.0015587370595609655,"channel":1,"num_words":49,"start":276.12,"end":293.645},{"sentences":[{"text":"Yes.","start":293.71,"end":294.21,"sentiment":"neutral","sentiment_score":0.0954170823097229},{"text":"Okay.","start":294.27,"end":294.77,"sentiment":"neutral","sentiment_score":0.2100376337766647},{"text":"That's perfect.","start":294.83,"end":295.72998,"sentiment":"positive","sentiment_score":0.5509267747402191},{"text":"Thank you for that.","start":295.78998,"end":296.84998,"sentiment":"positive","sentiment_score":0.623372808098793},{"text":"Alrighty.","start":297.215,"end":297.61502,"sentiment":"neutral","sentiment_score":0.15370404720306396}],"sentiment":"positive","sentiment_score":0.4505003939072291,"channel":0,"num_words":9,"start":293.71,"end":297.61502},{"sentences":[{"text":"And nothing else floating around, loans or assets?","start":297.61502,"end":300.035,"sentiment":"neutral","sentiment_score":0.013873263378627598}],"sentiment":"neutral","sentiment_score":0.013873263378627598,"channel":0,"num_words":8,"start":297.61502,"end":300.035},{"sentences":[{"text":"No.","start":301.19,"end":301.69,"sentiment":"neutral","sentiment_score":0.0633329302072525}],"sentiment":"neutral","sentiment_score":0.0633329302072525,"channel":1,"num_words":1,"start":301.19,"end":301.69},{"sentences":[{"text":"Amazing.","start":302.33502,"end":302.83502,"sentiment":"neutral","sentiment_score":0.1801210641860962},{"text":"Thank you heaps for that.","start":302.89502,"end":303.935,"sentiment":"positive","sentiment_score":0.4034545361995697},{"text":"And, mate, did you get a end up getting, like, a will in place since we last spoke to you?","start":303.935,"end":308.435,"sentiment":"neutral","sentiment_score":0.05084112081676721}],"sentiment":"neutral","sentiment_score":0.12362369851997265,"channel":0,"num_words":26,"start":302.33502,"end":308.435},{"sentences":[{"text":"No.","start":309.165,"end":309.565,"sentiment":"neutral","sentiment_score":-0.09229319542646408},{"text":"To be honest, I did not know.","start":309.565,"end":311.42502,"sentiment":"neutral","sentiment_score":-0.10342578270605632}],"sentiment":"neutral","sentiment_score":-0.10203420929610729,"channel":1,"num_words":8,"start":309.165,"end":311.42502},{"sentences":[{"text":"No.","start":311.71,"end":311.94998,"sentiment":"neutral","sentiment_score":-0.1116904765367508},{"text":"That's fair enough, mate.","start":311.94998,"end":312.83,"sentiment":"neutral","sentiment_score":-0.05816444521769881},{"text":"It's usually in the back of people's minds, so yearly reminder at some","start":312.83,"end":316.50998,"sentiment":"neutral","sentiment_score":-0.05089293534939106}],"sentiment":"neutral","sentiment_score":-0.05588646760831276,"channel":0,"num_words":18,"start":311.71,"end":316.50998},{"sentences":[{"text":"I do","start":316.285,"end":316.605,"sentiment":"neutral","sentiment_score":-0.06122183799743652}],"sentiment":"neutral","sentiment_score":-0.06122183799743652,"channel":1,"num_words":2,"start":316.285,"end":316.605},{"sentences":[{"text":"point.","start":316.50998,"end":317.00998,"sentiment":"neutral","sentiment_score":-0.06127296760678291}],"sentiment":"neutral","sentiment_score":-0.06127296760678291,"channel":0,"num_words":1,"start":316.50998,"end":317.00998},{"sentences":[{"text":"I was speaking about it actually two weeks ago to a guy, and I","start":317.085,"end":320.6,"sentiment":"neutral","sentiment_score":-0.04170527628489903}],"sentiment":"neutral","sentiment_score":-0.04170527628489903,"channel":1,"num_words":14,"start":317.085,"end":320.6},{"sentences":[{"text":"Oh,","start":320.59,"end":320.83,"sentiment":"neutral","sentiment_score":-0.04736477509140968}],"sentiment":"neutral","sentiment_score":-0.04736477509140968,"channel":0,"num_words":1,"start":320.59,"end":320.83},{"sentences":[{"text":"said my","start":320.6,"end":321.0,"sentiment":"neutral","sentiment_score":-0.07058177515864372}],"sentiment":"neutral","sentiment_score":-0.07058177515864372,"channel":1,"num_words":2,"start":320.6,"end":321.0},{"sentences":[{"text":"yeah?","start":320.83,"end":321.33,"sentiment":"neutral","sentiment_score":-0.08562599122524261}],"sentiment":"neutral","sentiment_score":-0.08562599122524261,"channel":0,"num_words":1,"start":320.83,"end":321.33},{"sentences":[{"text":"wife would need to get her fingers right.","start":321.0,"end":323.32,"sentiment":"neutral","sentiment_score":-0.17693444155156612},{"text":"So I I do need to pursue that.","start":323.32,"end":325.08,"sentiment":"neutral","sentiment_score":-0.1137488866224885},{"text":"Definitely.","start":325.08,"end":325.58,"sentiment":"neutral","sentiment_score":0.06645677983760834},{"text":"Yeah.","start":325.72,"end":326.22,"sentiment":"neutral","sentiment_score":0.13111230731010437}],"sentiment":"neutral","sentiment_score":-0.11821652990248468,"channel":1,"num_words":18,"start":321.0,"end":326.22},{"sentences":[{"text":"Cool.","start":326.52502,"end":326.765,"sentiment":"neutral","sentiment_score":0.1964859664440155},{"text":"So if it's easy for you, because I know when you've got assets between countries, probably better off to talk to a lawyer as point number one.","start":326.765,"end":334.545,"sentiment":"neutral","sentiment_score":0.11496697035100725}],"sentiment":"neutral","sentiment_score":0.11787836306861468,"channel":0,"num_words":28,"start":326.52502,"end":334.545},{"sentences":[{"text":"Yes.","start":335.0,"end":335.415,"sentiment":"neutral","sentiment_score":0.13417448103427887}],"sentiment":"neutral","sentiment_score":0.13417448103427887,"channel":1,"num_words":1,"start":335.0,"end":335.415},{"sentences":[{"text":"You've got the public trust in courthouse of the state can also do wills.","start":335.21,"end":339.63,"sentiment":"neutral","sentiment_score":0.13092203172189848},{"text":"And if you wanna go that way, you can get a kit from the post office for $25, but they're very basic.","start":340.00998,"end":345.78998,"sentiment":"neutral","sentiment_score":0.1245558417656205}],"sentiment":"neutral","sentiment_score":0.12703158230417305,"channel":0,"num_words":36,"start":335.21,"end":345.78998},{"sentences":[{"text":"Okay.","start":346.45502,"end":346.95502,"sentiment":"neutral","sentiment_score":0.09120896458625792},{"text":"Right.","start":347.015,"end":347.33502,"sentiment":"neutral","sentiment_score":0.08228705823421478},{"text":"Yes.","start":347.33502,"end":347.83502,"sentiment":"neutral","sentiment_score":0.048614501953125}],"sentiment":"neutral","sentiment_score":0.07403684159119923,"channel":1,"num_words":3,"start":346.45502,"end":347.83502},{"sentences":[{"text":"Okay?","start":348.105,"end":348.605,"sentiment":"neutral","sentiment_score":0.0655776709318161},{"text":"The one thing I wanted to sort out for you today as well was just in terms of beneficiaries for the super.","start":348.745,"end":353.385,"sentiment":"neutral","sentiment_score":0.06324820813130248},{"text":"Because once we moved you across from Netwealth into the hub, I just wanna make sure that that's been put in place.","start":353.385,"end":358.98,"sentiment":"neutral","sentiment_score":0.06040352743796327},{"text":"I'm","start":359.46002,"end":359.7,"sentiment":"neutral","sentiment_score":0.07179220020771027}],"sentiment":"neutral","sentiment_score":0.0621240881231168,"channel":0,"num_words":46,"start":348.105,"end":359.7},{"sentences":[{"text":"Yep.","start":359.65997,"end":360.15997,"sentiment":"neutral","sentiment_score":0.07098962366580963}],"sentiment":"neutral","sentiment_score":0.07098962366580963,"channel":1,"num_words":1,"start":359.65997,"end":360.15997},{"sentences":[{"text":"assuming you would you're trying to put your wife on there as the beneficiary for the super.","start":359.7,"end":364.18002,"sentiment":"neutral","sentiment_score":0.0618608287152122},{"text":"Is that correct?","start":364.18002,"end":364.92,"sentiment":"neutral","sentiment_score":0.06050668408473333}],"sentiment":"neutral","sentiment_score":0.06165770702064037,"channel":0,"num_words":20,"start":359.7,"end":364.92},{"sentences":[{"text":"Yeah.","start":364.725,"end":365.205,"sentiment":"neutral","sentiment_score":0.030682124197483063},{"text":"So I'm there.","start":365.205,"end":366.085,"sentiment":"neutral","sentiment_score":0.02668567995230357},{"text":"Just a just a question for you and not Tommy just for down the track.","start":366.085,"end":370.10498,"sentiment":"neutral","sentiment_score":0.006253169290721417}],"sentiment":"neutral","sentiment_score":0.01076508965343237,"channel":1,"num_words":19,"start":364.725,"end":370.10498},{"sentences":[{"text":"Yeah.","start":370.42,"end":370.92,"sentiment":"neutral","sentiment_score":0.00672796368598938}],"sentiment":"neutral","sentiment_score":0.00672796368598938,"channel":0,"num_words":1,"start":370.42,"end":370.92},{"sentences":[{"text":"At what at what age do kids do your kids need to be to to include them in the will?","start":370.725,"end":377.385,"sentiment":"neutral","sentiment_score":-0.005398961342871189}],"sentiment":"neutral","sentiment_score":-0.005398961342871189,"channel":1,"num_words":20,"start":370.725,"end":377.385},{"sentences":[{"text":"So kids in a will is at any point.","start":378.595,"end":381.735,"sentiment":"neutral","sentiment_score":0.006743116511238946}],"sentiment":"neutral","sentiment_score":0.006743116511238946,"channel":0,"num_words":9,"start":378.595,"end":381.735},{"sentences":[{"text":"Okay.","start":382.59,"end":383.09,"sentiment":"neutral","sentiment_score":0.04703166335821152}],"sentiment":"neutral","sentiment_score":0.04703166335821152,"channel":1,"num_words":1,"start":382.59,"end":383.09},{"sentences":[{"text":"When it comes to beneficiaries of your super, if you include","start":383.33002,"end":386.85,"sentiment":"neutral","sentiment_score":0.0615436847914349}],"sentiment":"neutral","sentiment_score":0.0615436847914349,"channel":0,"num_words":11,"start":383.33002,"end":386.85},{"sentences":[{"text":"Yep.","start":386.51,"end":387.01,"sentiment":"neutral","sentiment_score":0.03984205797314644}],"sentiment":"neutral","sentiment_score":0.03984205797314644,"channel":1,"num_words":1,"start":386.51,"end":387.01},{"sentences":[{"text":"someone who's under 18, then if they get the money, whoever's their guardian looks after the funds on their behalf.","start":386.85,"end":393.03,"sentiment":"neutral","sentiment_score":0.05918171675875783}],"sentiment":"neutral","sentiment_score":0.05918171675875783,"channel":0,"num_words":20,"start":386.85,"end":393.03},{"sentences":[{"text":"Okay.","start":393.88498,"end":394.28497,"sentiment":"neutral","sentiment_score":0.04180758446455002},{"text":"So the super end of it's when the when the turn 18.","start":394.28497,"end":397.10498,"sentiment":"neutral","sentiment_score":0.045132440670082964},{"text":"Okay.","start":397.16498,"end":397.66498,"sentiment":"neutral","sentiment_score":0.08851028233766556}],"sentiment":"neutral","sentiment_score":0.047993368203086514,"channel":1,"num_words":14,"start":393.88498,"end":397.66498},{"sentences":[{"text":"So it's a bit easier to go to, like, a spouse because then it's all kind of tax free.","start":398.465,"end":403.525,"sentiment":"neutral","sentiment_score":0.14469107318865626},{"text":"Whereas","start":403.905,"end":404.305,"sentiment":"neutral","sentiment_score":0.07329724729061127}],"sentiment":"neutral","sentiment_score":0.141121381893754,"channel":0,"num_words":20,"start":398.465,"end":404.305},{"sentences":[{"text":"Yes.","start":404.28497,"end":404.78497,"sentiment":"neutral","sentiment_score":0.1448877453804016}],"sentiment":"neutral","sentiment_score":0.1448877453804016,"channel":1,"num_words":1,"start":404.28497,"end":404.78497},{"sentences":[{"text":"when they're over 18, they're no longer a tax dependent, so they cop a little bit on there.","start":404.305,"end":408.36,"sentiment":"neutral","sentiment_score":0.10712995421555307}],"sentiment":"neutral","sentiment_score":0.10712995421555307,"channel":0,"num_words":18,"start":404.305,"end":408.36},{"sentences":[{"text":"Okay.","start":409.36,"end":409.76,"sentiment":"neutral","sentiment_score":0.14412125945091248},{"text":"So just leave it as it is.","start":409.76,"end":411.52,"sentiment":"neutral","sentiment_score":0.1946275681257248},{"text":"That for my wife.","start":411.52,"end":412.63998,"sentiment":"neutral","sentiment_score":0.1456795260310173},{"text":"Yeah.","start":412.63998,"end":413.13998,"sentiment":"neutral","sentiment_score":0.10391099750995636}],"sentiment":"neutral","sentiment_score":0.16870333368961626,"channel":1,"num_words":13,"start":409.36,"end":413.13998},{"sentences":[{"text":"Okay.","start":413.4,"end":413.8,"sentiment":"neutral","sentiment_score":0.09521149098873138},{"text":"So I will have to send you out a form to get that witnessed for it to be","start":413.8,"end":418.03998,"sentiment":"neutral","sentiment_score":0.09993463340732786}],"sentiment":"neutral","sentiment_score":0.09968604696424384,"channel":0,"num_words":19,"start":413.4,"end":418.03998},{"sentences":[{"text":"Okay.","start":418.0,"end":418.5,"sentiment":"neutral","sentiment_score":0.043425917625427246}],"sentiment":"neutral","sentiment_score":0.043425917625427246,"channel":1,"num_words":1,"start":418.0,"end":418.5},{"sentences":[{"text":"on the hub.","start":418.03998,"end":418.59998,"sentiment":"neutral","sentiment_score":0.03401675075292587},{"text":"Is that okay?","start":418.59998,"end":419.41998,"sentiment":"neutral","sentiment_score":0.05887709309657415}],"sentiment":"neutral","sentiment_score":0.04644692192475001,"channel":0,"num_words":6,"start":418.03998,"end":419.41998},{"sentences":[{"text":"Yes.","start":419.6,"end":419.91998,"sentiment":"neutral","sentiment_score":0.15178775787353516},{"text":"That's fine.","start":419.91998,"end":420.56,"sentiment":"neutral","sentiment_score":0.2922859787940979},{"text":"Yep.","start":420.56,"end":420.825,"sentiment":"positive","sentiment_score":0.3947688043117523}],"sentiment":"neutral","sentiment_score":0.2827821299433708,"channel":1,"num_words":4,"start":419.6,"end":420.825},{"sentences":[{"text":"Cool.","start":421.175,"end":421.415,"sentiment":"positive","sentiment_score":0.5788842439651489},{"text":"I'll get that all that prefilled for you.","start":421.415,"end":423.435,"sentiment":"positive","sentiment_score":0.5281993858516216},{"text":"We'll do a nice clean binding legally binding nomination.","start":423.575,"end":427.355,"sentiment":"positive","sentiment_score":0.5058181020948622},{"text":"And do you want it to expire every three years or just have it continuous until you change it?","start":427.815,"end":432.39,"sentiment":"neutral","sentiment_score":0.099259402602911}],"sentiment":"neutral","sentiment_score":0.30385867294830243,"channel":0,"num_words":37,"start":421.175,"end":432.39},{"sentences":[{"text":"Just continue until if I decide to change it.","start":433.545,"end":436.265,"sentiment":"neutral","sentiment_score":0.09606490573949283},{"text":"Yeah?","start":436.265,"end":436.62,"sentiment":"neutral","sentiment_score":0.272327721118927}],"sentiment":"neutral","sentiment_score":0.11369118727743625,"channel":1,"num_words":10,"start":433.545,"end":436.62},{"sentences":[{"text":"Easy done.","start":436.87003,"end":437.35,"sentiment":"positive","sentiment_score":0.5316498875617981},{"text":"Because that way I can kind of prefill most of the details for you, and then it's just","start":437.35,"end":441.03003,"sentiment":"positive","sentiment_score":0.3522719674640232}],"sentiment":"positive","sentiment_score":0.37020975947380064,"channel":0,"num_words":20,"start":436.87003,"end":441.03003},{"sentences":[{"text":"Yep.","start":441.02,"end":441.52,"sentiment":"neutral","sentiment_score":0.19633370637893677}],"sentiment":"neutral","sentiment_score":0.19633370637893677,"channel":1,"num_words":1,"start":441.02,"end":441.52},{"sentences":[{"text":"getting it witnessed.","start":441.03003,"end":441.93002,"sentiment":"neutral","sentiment_score":0.24960830310980478}],"sentiment":"neutral","sentiment_score":0.24960830310980478,"channel":0,"num_words":3,"start":441.03003,"end":441.93002},{"sentences":[{"text":"Okay.","start":442.78,"end":443.28,"sentiment":"neutral","sentiment_score":0.22208711504936215},{"text":"Yep.","start":443.34,"end":443.74,"sentiment":"neutral","sentiment_score":0.2577137351036072},{"text":"Fine.","start":443.74,"end":444.24,"sentiment":"positive","sentiment_score":0.5532740354537964}],"sentiment":"positive","sentiment_score":0.34435829520225525,"channel":1,"num_words":3,"start":442.78,"end":444.24},{"sentences":[{"text":"Beautiful.","start":444.645,"end":445.125,"sentiment":"positive","sentiment_score":0.6792435646057129},{"text":"Now when it comes to the super day call, do you usually log in and check-in Netwealth or your hub away, or do you usually just wait for the reviews?","start":445.125,"end":452.105,"sentiment":"neutral","sentiment_score":0.00006764760861794154}],"sentiment":"neutral","sentiment_score":0.021976548156911326,"channel":0,"num_words":31,"start":444.645,"end":452.105},{"sentences":[{"text":"No.","start":452.965,"end":453.205,"sentiment":"neutral","sentiment_score":-0.2248866856098175},{"text":"No.","start":453.205,"end":453.445,"sentiment":"neutral","sentiment_score":-0.06816021353006363},{"text":"I would probably I wouldn't say every week, but probably once a month, I would have a look at it just to see how it's going.","start":453.445,"end":461.705,"sentiment":"neutral","sentiment_score":0.021976706070395615}],"sentiment":"neutral","sentiment_score":0.00994098066751446,"channel":1,"num_words":28,"start":452.965,"end":461.705},{"sentences":[{"text":"Perfect.","start":461.94,"end":462.42,"sentiment":"positive","sentiment_score":0.4967301487922669},{"text":"And do you tie kind of marry it up with whatever's going on in the news at the time?","start":462.42,"end":465.94,"sentiment":"neutral","sentiment_score":0.06807573502393145},{"text":"Or","start":465.94,"end":466.44,"sentiment":"neutral","sentiment_score":0.015484213829040527}],"sentiment":"neutral","sentiment_score":0.08598349181314309,"channel":0,"num_words":21,"start":461.94,"end":466.44},{"sentences":[{"text":"Well, you know yes.","start":466.91998,"end":467.96,"sentiment":"neutral","sentiment_score":-0.04338353220373392},{"text":"You know you know absolutely with the the the I I Iranian stuff and that going on, you know you're gonna get a hit.","start":467.96,"end":474.38,"sentiment":"neutral","sentiment_score":-0.1069297989209493}],"sentiment":"neutral","sentiment_score":-0.09785176081848997,"channel":1,"num_words":28,"start":466.91998,"end":474.38},{"sentences":[{"text":"yeah.","start":474.595,"end":474.915,"sentiment":"neutral","sentiment_score":0.007165282964706421},{"text":"Absolutely.","start":474.915,"end":475.415,"sentiment":"neutral","sentiment_score":0.16140606999397278},{"text":"You've had a pretty good run of it, thankfully, because I know that the team puts you in a bit better of a portfolio when they switched you across the hub, so it hasn't gone into the negative like the previous one.","start":476.435,"end":486.93,"sentiment":"neutral","sentiment_score":0.17973528066206546},{"text":"It's","start":487.22998,"end":487.47,"sentiment":"neutral","sentiment_score":0.1286080777645111}],"sentiment":"neutral","sentiment_score":0.174356915967332,"channel":0,"num_words":45,"start":474.595,"end":487.47},{"sentences":[{"text":"Yes.","start":487.445,"end":487.71,"sentiment":"neutral","sentiment_score":0.17352238297462463}],"sentiment":"neutral","sentiment_score":0.17352238297462463,"channel":1,"num_words":1,"start":487.445,"end":487.71},{"sentences":[{"text":"still up.","start":487.47,"end":488.11,"sentiment":"neutral","sentiment_score":0.20546941459178925},{"text":"I think you you've gone from $683,000 to $7.33, including your contributions and your growth.","start":488.11,"end":495.41,"sentiment":"neutral","sentiment_score":0.275687771042188},{"text":"So there's been about $30 worth of net growth on top of your contributions in there.","start":495.51498,"end":500.79498,"sentiment":"neutral","sentiment_score":0.21062297839671373},{"text":"So it's still growing, but","start":500.79498,"end":502.735,"sentiment":"neutral","sentiment_score":0.06285513192415237}],"sentiment":"neutral","sentiment_score":0.21659207128380475,"channel":0,"num_words":38,"start":487.47,"end":502.735},{"sentences":[{"text":"Yes.","start":502.59,"end":502.905,"sentiment":"neutral","sentiment_score":-0.06515523791313171}],"sentiment":"neutral","sentiment_score":-0.06515523791313171,"channel":1,"num_words":1,"start":502.59,"end":502.905},{"sentences":[{"text":"it's definitely had a bit of a slow year compared to last year.","start":502.79498,"end":505.935,"sentiment":"negative","sentiment_score":-0.4218204113153311}],"sentiment":"negative","sentiment_score":-0.4218204113153311,"channel":0,"num_words":13,"start":502.79498,"end":505.935},{"sentences":[{"text":"Yes.","start":506.26498,"end":506.585,"sentiment":"neutral","sentiment_score":-0.02508542686700821},{"text":"Yes.","start":506.585,"end":506.825,"sentiment":"neutral","sentiment_score":-0.018773235380649567},{"text":"Uh-huh.","start":506.825,"end":507.325,"sentiment":"neutral","sentiment_score":-0.0007225286099128425}],"sentiment":"neutral","sentiment_score":-0.014860396952523539,"channel":1,"num_words":3,"start":506.26498,"end":507.325},{"sentences":[{"text":"Perfect.","start":507.85,"end":508.33002,"sentiment":"neutral","sentiment_score":0.17231737077236176},{"text":"Two things I wanted to talk to you about.","start":508.33002,"end":509.69,"sentiment":"neutral","sentiment_score":0.023439734967218503},{"text":"So one thing in terms of risk level, because I had you with retiring around age 60, you hit your preservation age.","start":509.69,"end":516.65,"sentiment":"neutral","sentiment_score":-0.038607865910638466},{"text":"You're wanting to retire pretty early.","start":516.65,"end":518.33,"sentiment":"neutral","sentiment_score":-0.04540242627263069},{"text":"Does that sound right?","start":518.33,"end":519.39,"sentiment":"neutral","sentiment_score":0.01898209098726511}],"sentiment":"neutral","sentiment_score":-0.015775815672462896,"channel":0,"num_words":42,"start":507.85,"end":519.39},{"sentences":[{"text":"Yes.","start":519.78,"end":520.02,"sentiment":"neutral","sentiment_score":0.028184089809656143},{"text":"Well, that would be my plan.","start":520.02,"end":521.46,"sentiment":"neutral","sentiment_score":0.04052959724018971},{"text":"Yeah?","start":521.46,"end":521.96,"sentiment":"neutral","sentiment_score":0.042843252420425415}],"sentiment":"neutral","sentiment_score":0.03927561570890248,"channel":1,"num_words":8,"start":519.78,"end":521.96},{"sentences":[{"text":"Absolutely.","start":522.34503,"end":522.84503,"sentiment":"neutral","sentiment_score":0.05687834322452545},{"text":"So I wanna have a little bit of a a careful talk about risk level because what's essentially gonna happen is you're in a growth portfolio.","start":523.065,"end":530.36505,"sentiment":"neutral","sentiment_score":0.0005738465473628961},{"text":"You're a four out of","start":530.505,"end":531.465,"sentiment":"neutral","sentiment_score":0.030122390389442442}],"sentiment":"neutral","sentiment_score":0.006950322043849155,"channel":0,"num_words":32,"start":522.34503,"end":531.465},{"sentences":[{"text":"Yes.","start":531.41504,"end":531.91504,"sentiment":"neutral","sentiment_score":0.029299981892108917}],"sentiment":"neutral","sentiment_score":0.029299981892108917,"channel":1,"num_words":1,"start":531.41504,"end":531.91504},{"sentences":[{"text":"five at this point,","start":531.465,"end":532.62,"sentiment":"neutral","sentiment_score":0.019745797384530306}],"sentiment":"neutral","sentiment_score":0.019745797384530306,"channel":0,"num_words":4,"start":531.465,"end":532.62},{"sentences":[{"text":"Uh-huh.","start":532.455,"end":532.955,"sentiment":"neutral","sentiment_score":0.01100266259163618}],"sentiment":"neutral","sentiment_score":0.01100266259163618,"channel":1,"num_words":1,"start":532.455,"end":532.955},{"sentences":[{"text":"just above medium.","start":532.62,"end":533.68005,"sentiment":"neutral","sentiment_score":0.02738001508017381},{"text":"Now growth portfolio is great.","start":533.9,"end":535.58,"sentiment":"positive","sentiment_score":0.42054888010025027},{"text":"You get your nine to 12% average returns.","start":535.58,"end":538.08,"sentiment":"positive","sentiment_score":0.3843875005841255},{"text":"We love that double digits are great.","start":538.38,"end":540.48004,"sentiment":"positive","sentiment_score":0.5817054169518607},{"text":"You're in your last period of getting that growth because each year, you could be 800,900 then a million all in a few years' time.","start":540.94,"end":548.975,"sentiment":"neutral","sentiment_score":0.19533393383026124}],"sentiment":"neutral","sentiment_score":0.2961514732257153,"channel":0,"num_words":48,"start":532.62,"end":548.975},{"sentences":[{"text":"Does that make sense?","start":549.115,"end":550.175,"sentiment":"neutral","sentiment_score":0.11503327637910843}],"sentiment":"neutral","sentiment_score":0.11503327637910843,"channel":0,"num_words":4,"start":549.115,"end":550.175},{"sentences":[{"text":"Yes.","start":549.72003,"end":550.22003,"sentiment":"neutral","sentiment_score":-0.008803177624940872}],"sentiment":"neutral","sentiment_score":-0.008803177624940872,"channel":1,"num_words":1,"start":549.72003,"end":550.22003},{"sentences":[{"text":"But","start":550.475,"end":550.63495,"sentiment":"neutral","sentiment_score":-0.05954796448349953}],"sentiment":"neutral","sentiment_score":-0.05954796448349953,"channel":0,"num_words":1,"start":550.475,"end":550.63495},{"sentences":[{"text":"Yes.","start":550.52,"end":551.02,"sentiment":"neutral","sentiment_score":-0.10994083434343338}],"sentiment":"neutral","sentiment_score":-0.10994083434343338,"channel":1,"num_words":1,"start":550.52,"end":551.02},{"sentences":[{"text":"at the same time, if the market crashes and the world explodes, I don't want you to drop down to 500,000 all of a sudden, and then you've got to wait another five years to retire.","start":550.63495,"end":562.36,"sentiment":"neutral","sentiment_score":-0.2871192718545596},{"text":"Do you know what I mean?","start":562.36,"end":563.42,"sentiment":"neutral","sentiment_score":-0.09940798083941142}],"sentiment":"neutral","sentiment_score":-0.26030337313810986,"channel":0,"num_words":42,"start":550.63495,"end":563.42},{"sentences":[{"text":"Yes.","start":563.66504,"end":564.065,"sentiment":"neutral","sentiment_score":-0.03413451835513115},{"text":"Uh-huh.","start":564.065,"end":564.565,"sentiment":"neutral","sentiment_score":-0.051432497799396515}],"sentiment":"neutral","sentiment_score":-0.04278350807726383,"channel":1,"num_words":2,"start":563.66504,"end":564.565},{"sentences":[{"text":"So I kinda call that the sequencing risk where it's like, it's all good to get the returns now, but if you're a day off retirement, you probably don't wanna be too high risk.","start":564.44,"end":572.06,"sentiment":"neutral","sentiment_score":-0.006384230328395085}],"sentiment":"neutral","sentiment_score":-0.006384230328395085,"channel":0,"num_words":34,"start":564.44,"end":572.06},{"sentences":[{"text":"Yes.","start":572.91,"end":573.41,"sentiment":"neutral","sentiment_score":0.04628828912973404}],"sentiment":"neutral","sentiment_score":0.04628828912973404,"channel":1,"num_words":1,"start":572.91,"end":573.41},{"sentences":[{"text":"So in terms of risk level, I was gonna talk to you about whether we stay growth or whether we just drop it down a peg into the middle, go a bit more medium with it, but it","start":574.005,"end":583.205,"sentiment":"neutral","sentiment_score":0.011233535791306119}],"sentiment":"neutral","sentiment_score":0.011233535791306119,"channel":0,"num_words":38,"start":574.005,"end":583.205},{"sentences":[{"text":"Yeah.","start":582.99,"end":583.49,"sentiment":"neutral","sentiment_score":0.028304601088166237}],"sentiment":"neutral","sentiment_score":0.028304601088166237,"channel":1,"num_words":1,"start":582.99,"end":583.49},{"sentences":[{"text":"depends on how much you're wanting for that retirement income.","start":583.205,"end":586.505,"sentiment":"neutral","sentiment_score":0.0571277093142271}],"sentiment":"neutral","sentiment_score":0.0571277093142271,"channel":0,"num_words":10,"start":583.205,"end":586.505},{"sentences":[{"text":"Mhmm.","start":587.47,"end":587.97,"sentiment":"neutral","sentiment_score":0.01609860733151436},{"text":"What","start":588.555,"end":589.055,"sentiment":"neutral","sentiment_score":-0.009819507598876951}],"sentiment":"neutral","sentiment_score":0.0031395498663187036,"channel":1,"num_words":2,"start":587.47,"end":589.055},{"sentences":[{"text":"So the question I've got is the mortgage, how close do you reckon you're gonna be to kind of knocking that out over the next few years?","start":588.56,"end":595.77997,"sentiment":"neutral","sentiment_score":-0.036025301794762966}],"sentiment":"neutral","sentiment_score":-0.036025301794762966,"channel":0,"num_words":27,"start":588.56,"end":595.77997},{"sentences":[{"text":"listen.","start":596.635,"end":597.135,"sentiment":"neutral","sentiment_score":-0.015530673786997797},{"text":"Probably probably if I come to retirement, I would probably be using something to pay the mortgage off.","start":597.195,"end":605.06,"sentiment":"neutral","sentiment_score":-0.05100755828122298}],"sentiment":"neutral","sentiment_score":-0.0491403538341585,"channel":1,"num_words":19,"start":596.635,"end":605.06},{"sentences":[{"text":"Yep.","start":605.425,"end":605.925,"sentiment":"neutral","sentiment_score":0.032778605818748474}],"sentiment":"neutral","sentiment_score":0.032778605818748474,"channel":0,"num_words":1,"start":605.425,"end":605.925},{"sentences":[{"text":"So at at this point, I'm probably looking like if probably if I have another three years, just if that I'm not saying I will at 60, but if I'm looking at 60 and, you know, actually, say, three years for me roughly, well, or 61, whatever, if you if you could try and get to your 900 or whatever by then.","start":606.0,"end":631.58496,"sentiment":"neutral","sentiment_score":-0.022024449809724764}],"sentiment":"neutral","sentiment_score":-0.022024449809724764,"channel":1,"num_words":62,"start":606.0,"end":631.58496},{"sentences":[{"text":"Yep.","start":632.255,"end":632.755,"sentiment":"neutral","sentiment_score":0.11676929891109468},{"text":"Then that would be good.","start":635.71,"end":636.59,"sentiment":"neutral","sentiment_score":0.22428379356861114},{"text":"You can kind of finish","start":636.59,"end":638.43,"sentiment":"neutral","sentiment_score":0.1820373833179474}],"sentiment":"neutral","sentiment_score":0.1953068348494443,"channel":0,"num_words":11,"start":632.255,"end":638.43},{"sentences":[{"text":"Yeah.","start":638.12,"end":638.62,"sentiment":"neutral","sentiment_score":0.07248887419700623}],"sentiment":"neutral","sentiment_score":0.07248887419700623,"channel":1,"num_words":1,"start":638.12,"end":638.62},{"sentences":[{"text":"off the mortgage and have that left over to live off.","start":638.43,"end":640.93,"sentiment":"neutral","sentiment_score":0.02308919873427261}],"sentiment":"neutral","sentiment_score":0.02308919873427261,"channel":0,"num_words":11,"start":638.43,"end":640.93},{"sentences":[{"text":"Yes.","start":640.84,"end":641.34,"sentiment":"neutral","sentiment_score":0.204830065369606}],"sentiment":"neutral","sentiment_score":0.204830065369606,"channel":1,"num_words":1,"start":640.84,"end":641.34},{"sentences":[{"text":"Perfect.","start":642.27,"end":642.75,"sentiment":"positive","sentiment_score":0.43563467264175415},{"text":"Perfect.","start":642.75,"end":643.07,"sentiment":"positive","sentiment_score":0.3731765747070313},{"text":"So what that'll kind of do, let's say you get there and there's a well, let's say worst case scenario, you've still got a couple $100 owing on the mortgage and you hit a million and you trim 200 off, that","start":643.07,"end":654.60504,"sentiment":"neutral","sentiment_score":0.08964399148414774}],"sentiment":"neutral","sentiment_score":0.10428406739997309,"channel":0,"num_words":43,"start":642.27,"end":654.60504},{"sentences":[{"text":"Mhmm.","start":654.265,"end":654.425,"sentiment":"neutral","sentiment_score":0.05836121737957001},{"text":"Yep.","start":654.425,"end":654.925,"sentiment":"neutral","sentiment_score":0.09222716093063354}],"sentiment":"neutral","sentiment_score":0.07529418915510178,"channel":1,"num_words":2,"start":654.265,"end":654.925},{"sentences":[{"text":"800,000 is gonna be paying you somewhere between 40 to 80,000 tax free, and that's, like, enough to go past life expectancy.","start":654.60504,"end":664.45996,"sentiment":"neutral","sentiment_score":0.0733233696188439},{"text":"So that thousand dollars a week, $1,500 a week, that kind of thing with the mortgage paid down.","start":665.0,"end":670.22,"sentiment":"neutral","sentiment_score":0.0533040300425556}],"sentiment":"neutral","sentiment_score":0.06431466680951417,"channel":0,"num_words":40,"start":654.60504,"end":670.22},{"sentences":[{"text":"Yes.","start":670.16,"end":670.48,"sentiment":"neutral","sentiment_score":0.11358916759490968},{"text":"Yes.","start":670.48,"end":670.98,"sentiment":"neutral","sentiment_score":0.1004182994365692}],"sentiment":"neutral","sentiment_score":0.10700373351573944,"channel":1,"num_words":2,"start":670.16,"end":670.98},{"sentences":[{"text":"K.","start":671.72,"end":671.95996,"sentiment":"neutral","sentiment_score":0.09889166057109831},{"text":"How's that sounding for you?","start":671.95996,"end":673.5,"sentiment":"neutral","sentiment_score":0.16056070923805238}],"sentiment":"neutral","sentiment_score":0.15028253446022669,"channel":0,"num_words":6,"start":671.72,"end":673.5},{"sentences":[{"text":"Yeah.","start":673.575,"end":673.815,"sentiment":"neutral","sentiment_score":0.11155889928340912},{"text":"That's that's sort of where where I would like to be if possible.","start":673.815,"end":676.775,"sentiment":"neutral","sentiment_score":0.09043748562152569},{"text":"Yeah.","start":676.775,"end":677.275,"sentiment":"neutral","sentiment_score":0.14451554417610168}],"sentiment":"neutral","sentiment_score":0.09545078376928966,"channel":1,"num_words":15,"start":673.575,"end":677.275},{"sentences":[{"text":"Okay.","start":677.735,"end":678.135,"sentiment":"neutral","sentiment_score":0.2478340119123459},{"text":"Perfect.","start":678.135,"end":678.635,"sentiment":"positive","sentiment_score":0.3868290781974793},{"text":"Now when you're in a growth portfolio, I usually recommend that if you're if you're staring at more like seven to eight years.","start":679.415,"end":685.355,"sentiment":"neutral","sentiment_score":0.10917864286381265},{"text":"If we're still possibly looking at that three or four, we might be cutting it a bit tight in terms of risk level.","start":685.895,"end":692.48,"sentiment":"neutral","sentiment_score":-0.20508476379125015}],"sentiment":"neutral","sentiment_score":-0.03273286856710911,"channel":0,"num_words":48,"start":677.735,"end":692.48},{"sentences":[{"text":"Yes.","start":693.01996,"end":693.42,"sentiment":"neutral","sentiment_score":0.042302679270505905},{"text":"Uh-huh.","start":693.42,"end":693.92,"sentiment":"neutral","sentiment_score":0.060271985828876495}],"sentiment":"neutral","sentiment_score":0.0512873325496912,"channel":1,"num_words":2,"start":693.01996,"end":693.92},{"sentences":[{"text":"So what I wanted to talk to you about today so I'll give you a bit of an example.","start":694.06,"end":697.33997,"sentiment":"neutral","sentiment_score":0.12330727436040577},{"text":"You've got about 24,000 going in in contributions before tax.","start":697.33997,"end":701.27997,"sentiment":"neutral","sentiment_score":0.09255488738417625}],"sentiment":"neutral","sentiment_score":0.11270300298929214,"channel":0,"num_words":29,"start":694.06,"end":701.27997},{"sentences":[{"text":"Yes.","start":701.81995,"end":702.195,"sentiment":"neutral","sentiment_score":0.1465601623058319}],"sentiment":"neutral","sentiment_score":0.1465601623058319,"channel":1,"num_words":1,"start":701.81995,"end":702.195},{"sentences":[{"text":"So let's just say you've got $7.33, and you add in that sort of 19,000 after tax.","start":702.995,"end":709.495,"sentiment":"neutral","sentiment_score":0.16578062842873967},{"text":"And let's say you only get, like, a seven and a half percent return, like a medium balance","start":709.95496,"end":714.75,"sentiment":"neutral","sentiment_score":0.22279154509305954}],"sentiment":"neutral","sentiment_score":0.19510052842753275,"channel":0,"num_words":35,"start":702.995,"end":714.75},{"sentences":[{"text":"Yes.","start":715.635,"end":716.135,"sentiment":"neutral","sentiment_score":0.293631911277771}],"sentiment":"neutral","sentiment_score":0.293631911277771,"channel":1,"num_words":1,"start":715.635,"end":716.135},{"sentences":[{"text":"one, that'll kinda get you more like a $9.50, $9.60 mark.","start":716.05,"end":721.87,"sentiment":"positive","sentiment_score":0.37415743416005914}],"sentiment":"positive","sentiment_score":0.37415743416005914,"channel":0,"num_words":11,"start":716.05,"end":721.87},{"sentences":[{"text":"Yep.","start":722.93,"end":723.43,"sentiment":"neutral","sentiment_score":0.2039995789527893}],"sentiment":"neutral","sentiment_score":0.2039995789527893,"channel":1,"num_words":1,"start":722.93,"end":723.43},{"sentences":[{"text":"K?","start":724.08997,"end":724.49,"sentiment":"neutral","sentiment_score":0.13459083437919617},{"text":"That's by taking a a lower level of risk than what you're currently doing.","start":724.49,"end":728.115,"sentiment":"neutral","sentiment_score":0.21290338997329986}],"sentiment":"neutral","sentiment_score":0.20768255293369292,"channel":0,"num_words":15,"start":724.08997,"end":728.115},{"sentences":[{"text":"Yes.","start":728.61,"end":729.11,"sentiment":"neutral","sentiment_score":0.3126899003982544}],"sentiment":"neutral","sentiment_score":0.3126899003982544,"channel":1,"num_words":1,"start":728.61,"end":729.11},{"sentences":[{"text":"So whether you wanted to maybe just go down that one peg and then whether it's 60 or 61, we just kind of decide together when to pull the trigger based on, you know, when you get that last really good jump in the markets, you just take the","start":729.875,"end":742.195,"sentiment":"neutral","sentiment_score":0.3077614143186686}],"sentiment":"neutral","sentiment_score":0.3077614143186686,"channel":0,"num_words":49,"start":729.875,"end":742.195},{"sentences":[{"text":"Yes.","start":742.135,"end":742.635,"sentiment":"neutral","sentiment_score":0.3228723406791687}],"sentiment":"neutral","sentiment_score":0.3228723406791687,"channel":1,"num_words":1,"start":742.135,"end":742.635},{"sentences":[{"text":"winnings and kind of convert it over into a pension after that.","start":742.195,"end":745.85,"sentiment":"neutral","sentiment_score":0.29611440872152645}],"sentiment":"neutral","sentiment_score":0.29611440872152645,"channel":0,"num_words":12,"start":742.195,"end":745.85},{"sentences":[{"text":"Okay.","start":746.98,"end":747.38,"sentiment":"neutral","sentiment_score":0.17731259763240814},{"text":"Yes.","start":747.38,"end":747.86,"sentiment":"neutral","sentiment_score":0.15995195508003235},{"text":"So so probably, I'm saying, taking your honest advice, probably, as you're saying, I'm probably cheaper dropping the DynaPeg to a medium level risk.","start":747.86,"end":758.02,"sentiment":"neutral","sentiment_score":0.10116382331276934},{"text":"Yeah?","start":758.02,"end":758.52,"sentiment":"neutral","sentiment_score":0.04323152080178261}],"sentiment":"neutral","sentiment_score":0.10401584566743285,"channel":1,"num_words":27,"start":746.98,"end":758.52},{"sentences":[{"text":"Yeah.","start":759.28503,"end":759.525,"sentiment":"neutral","sentiment_score":0.07381700724363327}],"sentiment":"neutral","sentiment_score":0.07381700724363327,"channel":0,"num_words":1,"start":759.28503,"end":759.525},{"sentences":[{"text":"Yes.","start":759.47504,"end":759.97504,"sentiment":"neutral","sentiment_score":0.12927834689617157}],"sentiment":"neutral","sentiment_score":0.12927834689617157,"channel":1,"num_words":1,"start":759.47504,"end":759.97504},{"sentences":[{"text":"That's kind of what I would advise.","start":759.525,"end":761.205,"sentiment":"neutral","sentiment_score":0.1657784070287432},{"text":"Like, if it's the difference between a twelve month difference in retirement versus potentially having to wait four years for it to bounce back from a market crash, I would kind of be looking towards the former.","start":761.205,"end":772.76996,"sentiment":"neutral","sentiment_score":0.018165946912926598}],"sentiment":"neutral","sentiment_score":0.04164974738589742,"channel":0,"num_words":44,"start":759.525,"end":772.76996},{"sentences":[{"text":"Okay.","start":773.635,"end":774.0,"sentiment":"neutral","sentiment_score":0.0636918842792511},{"text":"Yes.","start":774.24,"end":774.4,"sentiment":"neutral","sentiment_score":0.08629468083381653},{"text":"Yeah.","start":774.4,"end":774.56,"sentiment":"neutral","sentiment_score":0.08952732384204865},{"text":"Well, that that's fair enough.","start":774.56,"end":776.0,"sentiment":"neutral","sentiment_score":0.17541840076446533},{"text":"Maybe we'll go with that.","start":776.0,"end":777.12,"sentiment":"neutral","sentiment_score":0.18432089388370515}],"sentiment":"neutral","sentiment_score":0.15678541247661298,"channel":1,"num_words":13,"start":773.635,"end":777.12},{"sentences":[{"text":"Yep.","start":777.12,"end":777.62,"sentiment":"neutral","sentiment_score":0.1731492131948471}],"sentiment":"neutral","sentiment_score":0.1731492131948471,"channel":1,"num_words":1,"start":777.12,"end":777.62},{"sentences":[{"text":"Okay.","start":778.02997,"end":778.43,"sentiment":"neutral","sentiment_score":0.24950766563415527},{"text":"Cool.","start":778.43,"end":778.93,"sentiment":"neutral","sentiment_score":0.29461079835891724},{"text":"Again, we don't wanna get all this growth and lose it all at the end point, so I","start":779.38995,"end":783.86505,"sentiment":"neutral","sentiment_score":-0.04232718961106406}],"sentiment":"neutral","sentiment_score":-0.010888547450304032,"channel":0,"num_words":20,"start":778.02997,"end":783.86505},{"sentences":[{"text":"Yes.","start":783.68,"end":784.18,"sentiment":"neutral","sentiment_score":0.16420641541481018}],"sentiment":"neutral","sentiment_score":0.16420641541481018,"channel":1,"num_words":1,"start":783.68,"end":784.18},{"sentences":[{"text":"think that would be pretty prudent.","start":783.86505,"end":785.325,"sentiment":"neutral","sentiment_score":0.1257460614045461}],"sentiment":"neutral","sentiment_score":0.1257460614045461,"channel":0,"num_words":6,"start":783.86505,"end":785.325},{"sentences":[{"text":"Mhmm.","start":785.84,"end":786.34,"sentiment":"neutral","sentiment_score":0.07222728431224823}],"sentiment":"neutral","sentiment_score":0.07222728431224823,"channel":1,"num_words":1,"start":785.84,"end":786.34},{"sentences":[{"text":"At the same time, though, the other thing I wanted to do is we're looking at a few investments.","start":786.905,"end":791.625,"sentiment":"neutral","sentiment_score":0.18380178903278552},{"text":"I've just gotten back talking to the investment committee and a few different seminars with some fund managers, and we've found some really good funds that are a little bit lower fees.","start":791.625,"end":801.06006,"sentiment":"positive","sentiment_score":0.3756116656586528}],"sentiment":"neutral","sentiment_score":0.30415308417058456,"channel":0,"num_words":51,"start":786.905,"end":801.06006},{"sentences":[{"text":"Mhmm.","start":801.585,"end":802.085,"sentiment":"neutral","sentiment_score":0.043683018535375595}],"sentiment":"neutral","sentiment_score":0.043683018535375595,"channel":1,"num_words":1,"start":801.585,"end":802.085},{"sentences":[{"text":"So what I'm thinking is if I lower down the risk level a little bit, we could also maybe lower your investment fees.","start":803.2,"end":808.4,"sentiment":"neutral","sentiment_score":0.20895075668459354},{"text":"And there's, I think, out of the eight funds that you've got, one of them has not been doing so well.","start":808.4,"end":812.445,"sentiment":"neutral","sentiment_score":-0.18775715678930283},{"text":"So if I do a bit of an engine tune up and switch that guy out, I could probably","start":812.445,"end":816.125,"sentiment":"neutral","sentiment_score":0.05347379747974245}],"sentiment":"neutral","sentiment_score":0.02982490894103807,"channel":0,"num_words":63,"start":803.2,"end":816.125},{"sentences":[{"text":"Yes.","start":816.04,"end":816.405,"sentiment":"neutral","sentiment_score":0.1817260980606079}],"sentiment":"neutral","sentiment_score":0.1817260980606079,"channel":1,"num_words":1,"start":816.04,"end":816.405},{"sentences":[{"text":"bump up the returns a little bit too.","start":816.125,"end":818.065,"sentiment":"neutral","sentiment_score":0.3040119018405676}],"sentiment":"neutral","sentiment_score":0.3040119018405676,"channel":0,"num_words":8,"start":816.125,"end":818.065},{"sentences":[{"text":"Okay.","start":818.565,"end":819.04504,"sentiment":"neutral","sentiment_score":0.3060084283351898},{"text":"Yeah.","start":819.04504,"end":819.54504,"sentiment":"positive","sentiment_score":0.4530143141746521}],"sentiment":"positive","sentiment_score":0.37951137125492096,"channel":1,"num_words":2,"start":818.565,"end":819.54504},{"sentences":[{"text":"Perfect.","start":820.605,"end":821.105,"sentiment":"positive","sentiment_score":0.7441641092300415},{"text":"So I can put that together as a bit of a updated projections for you and kind of show you what that retirement looks like.","start":821.405,"end":827.76,"sentiment":"positive","sentiment_score":0.6253187286853791}],"sentiment":"positive","sentiment_score":0.6298897048601737,"channel":0,"num_words":26,"start":820.605,"end":827.76},{"sentences":[{"text":"Mhmm.","start":828.405,"end":828.905,"sentiment":"neutral","sentiment_score":0.06202685832977295}],"sentiment":"neutral","sentiment_score":0.06202685832977295,"channel":1,"num_words":1,"start":828.405,"end":828.905},{"sentences":[{"text":"Now in terms of the mortgages and the contributions, are you making any extra repayments on the mortgage or pulling funds in the offset, or is it just the standard monthly?","start":829.68,"end":839.38,"sentiment":"neutral","sentiment_score":0.018627886930781025}],"sentiment":"neutral","sentiment_score":0.018627886930781025,"channel":0,"num_words":31,"start":829.68,"end":839.38},{"sentences":[{"text":"No.","start":840.17,"end":840.41,"sentiment":"neutral","sentiment_score":-0.10067057609558104},{"text":"It's just a it's a standard actually fortnightly.","start":840.41,"end":842.83,"sentiment":"neutral","sentiment_score":-0.05942841339856386},{"text":"No.","start":843.05,"end":843.20996,"sentiment":"neutral","sentiment_score":-0.14500151574611664},{"text":"And I don't I don't pull funds on the offset notice.","start":843.20996,"end":847.105,"sentiment":"neutral","sentiment_score":-0.15774336457252502},{"text":"As as I said there, there's probably eight or nine grams sitting there, I think.","start":847.105,"end":852.885,"sentiment":"neutral","sentiment_score":-0.07839470033844312}],"sentiment":"neutral","sentiment_score":-0.10089435873346196,"channel":1,"num_words":36,"start":840.17,"end":852.885},{"sentences":[{"text":"Perfect.","start":854.67,"end":855.17,"sentiment":"positive","sentiment_score":0.40011027455329895},{"text":"Do you know around about how much your fortnightly repayments are?","start":855.31,"end":858.26996,"sentiment":"neutral","sentiment_score":0.17087900774045425},{"text":"Just so I can include that in the projections.","start":858.26996,"end":860.13,"sentiment":"neutral","sentiment_score":0.16613659097088707}],"sentiment":"neutral","sentiment_score":0.1797623180207752,"channel":0,"num_words":21,"start":854.67,"end":860.13},{"sentences":[{"text":"Yes.","start":860.43,"end":860.83,"sentiment":"neutral","sentiment_score":0.15425927937030792},{"text":"Our fortnightly repayments are in around $1,700.","start":860.83,"end":866.61,"sentiment":"neutral","sentiment_score":0.18396672180720738}],"sentiment":"neutral","sentiment_score":0.18025329150259495,"channel":1,"num_words":8,"start":860.43,"end":866.61},{"sentences":[{"text":"Yep.","start":867.40497,"end":867.885,"sentiment":"neutral","sentiment_score":0.18005870282649994},{"text":"Okay.","start":867.885,"end":868.385,"sentiment":"neutral","sentiment_score":0.1755906343460083},{"text":"That'll help me just project out what's gonna be","start":870.045,"end":872.285,"sentiment":"neutral","sentiment_score":0.27391129897700417}],"sentiment":"neutral","sentiment_score":0.2564410025423223,"channel":0,"num_words":11,"start":867.40497,"end":872.285},{"sentences":[{"text":"Yes.","start":872.135,"end":872.635,"sentiment":"neutral","sentiment_score":0.10643744468688963}],"sentiment":"neutral","sentiment_score":0.10643744468688963,"channel":1,"num_words":1,"start":872.135,"end":872.635},{"sentences":[{"text":"left over on that liability for you.","start":872.285,"end":874.785,"sentiment":"neutral","sentiment_score":0.103331558406353}],"sentiment":"neutral","sentiment_score":0.103331558406353,"channel":0,"num_words":7,"start":872.285,"end":874.785},{"sentences":[{"text":"Yes.","start":875.095,"end":875.595,"sentiment":"neutral","sentiment_score":0.08904808759689331}],"sentiment":"neutral","sentiment_score":0.08904808759689331,"channel":1,"num_words":1,"start":875.095,"end":875.595},{"sentences":[{"text":"And in terms of the contributions, do you want me to model it on just what your employer's putting in?","start":876.22003,"end":880.78,"sentiment":"neutral","sentiment_score":0.07007611552253365},{"text":"Are you looking at doing a bit of salary sacrifice?","start":880.78,"end":882.96,"sentiment":"neutral","sentiment_score":-0.003130360692739487},{"text":"What's your thoughts on that side?","start":883.18,"end":884.72003,"sentiment":"neutral","sentiment_score":-0.008820205926895142}],"sentiment":"neutral","sentiment_score":0.036591596332275204,"channel":0,"num_words":36,"start":876.22003,"end":884.72003},{"sentences":[{"text":"That's not the thing too, Tommy, that that that I'd wonder about.","start":885.00995,"end":888.69,"sentiment":"neutral","sentiment_score":-0.16548893849054971},{"text":"To be honest with you, I used to I know I know the threshold's changed.","start":888.69,"end":893.64996,"sentiment":"neutral","sentiment_score":-0.13808029095331828},{"text":"I used to salary sacrifice.","start":893.64996,"end":895.43,"sentiment":"neutral","sentiment_score":-0.1373308554291725},{"text":"I can't remember exactly.","start":896.05,"end":897.32996,"sentiment":"neutral","sentiment_score":-0.10329406522214413},{"text":"It was probably a couple of $100 a pay, a fortnight.","start":897.32996,"end":901.685,"sentiment":"neutral","sentiment_score":-0.08009197393601591}],"sentiment":"neutral","sentiment_score":-0.12846625271312734,"channel":1,"num_words":47,"start":885.00995,"end":901.685},{"sentences":[{"text":"Now that was pre COVID.","start":902.065,"end":903.985,"sentiment":"neutral","sentiment_score":-0.09765811562538147},{"text":"And then once I did my tax return, I actually owed the tax amount.","start":903.985,"end":908.225,"sentiment":"neutral","sentiment_score":-0.15337489545345306},{"text":"It wasn't a lot of money, but I still owed","start":908.225,"end":910.065,"sentiment":"neutral","sentiment_score":-0.19684430509805678}],"sentiment":"neutral","sentiment_score":-0.15875800570537305,"channel":1,"num_words":29,"start":902.065,"end":910.065},{"sentences":[{"text":"You're","start":909.85,"end":910.25,"sentiment":"neutral","sentiment_score":-0.17172430455684662}],"sentiment":"neutral","sentiment_score":-0.17172430455684662,"channel":0,"num_words":1,"start":909.85,"end":910.25},{"sentences":[{"text":"them some","start":910.065,"end":910.465,"sentiment":"neutral","sentiment_score":-0.2092522829771042}],"sentiment":"neutral","sentiment_score":-0.2092522829771042,"channel":1,"num_words":2,"start":910.065,"end":910.465},{"sentences":[{"text":"right.","start":910.25,"end":910.75,"sentiment":"neutral","sentiment_score":-0.12888571619987488}],"sentiment":"neutral","sentiment_score":-0.12888571619987488,"channel":0,"num_words":1,"start":910.25,"end":910.75},{"sentences":[{"text":"money because I went over the threshold.","start":910.465,"end":912.325,"sentiment":"neutral","sentiment_score":-0.3032425343990326},{"text":"That that was the issue.","start":914.85004,"end":916.23004,"sentiment":"neutral","sentiment_score":-0.2799282819032669},{"text":"Now as you're saying there, Tommy, if what's the threshold now?","start":916.37,"end":920.61,"sentiment":"neutral","sentiment_score":-0.08238666944883087},{"text":"Is it 32 or something you're allowed to contribute?","start":920.61,"end":923.27,"sentiment":"neutral","sentiment_score":0.009505713875922892}],"sentiment":"neutral","sentiment_score":-0.13572003404260613,"channel":1,"num_words":32,"start":910.465,"end":923.27},{"sentences":[{"text":"Yeah.","start":923.545,"end":923.865,"sentiment":"neutral","sentiment_score":0.13264912366867063},{"text":"It's gone up to 32 and a half, which works out to be about $3.26 a fortnight for you.","start":923.865,"end":929.98,"sentiment":"neutral","sentiment_score":0.19789965372336538},{"text":"And whenever I do that, I like to go a bit more conservative with it.","start":930.12,"end":933.42,"sentiment":"neutral","sentiment_score":0.1512756332755089}],"sentiment":"neutral","sentiment_score":0.17605362981557846,"channel":0,"num_words":35,"start":923.545,"end":933.42},{"sentences":[{"text":"Mhmm.","start":933.935,"end":934.435,"sentiment":"neutral","sentiment_score":0.07467999309301376}],"sentiment":"neutral","sentiment_score":0.07467999309301376,"channel":1,"num_words":1,"start":933.935,"end":934.435},{"sentences":[{"text":"So","start":935.32,"end":935.82,"sentiment":"neutral","sentiment_score":0.07720474153757095}],"sentiment":"neutral","sentiment_score":0.07720474153757095,"channel":0,"num_words":1,"start":935.32,"end":935.82},{"sentences":[{"text":"You see","start":935.61505,"end":936.275,"sentiment":"neutral","sentiment_score":0.09831111505627632}],"sentiment":"neutral","sentiment_score":0.09831111505627632,"channel":1,"num_words":2,"start":935.61505,"end":936.275},{"sentences":[{"text":"safely, 300 a fortnight or less.","start":935.95996,"end":938.22,"sentiment":"neutral","sentiment_score":0.08968871583541234}],"sentiment":"neutral","sentiment_score":0.08968871583541234,"channel":0,"num_words":6,"start":935.95996,"end":938.22},{"sentences":[{"text":"okay.","start":939.215,"end":939.61505,"sentiment":"neutral","sentiment_score":0.15786528587341309},{"text":"So what what I what I might do then, Tom, talking about this then, I might actually get on to my pay office and maybe just thinking probably maybe deduct an extra $200 a fortnight into my super.","start":939.61505,"end":956.22003,"sentiment":"neutral","sentiment_score":0.08978675296039958}],"sentiment":"neutral","sentiment_score":0.09153235636842556,"channel":1,"num_words":39,"start":939.215,"end":956.22003},{"sentences":[{"text":"Okay.","start":956.63,"end":957.13,"sentiment":"neutral","sentiment_score":0.10037678480148315},{"text":"Alright.","start":959.75,"end":960.25,"sentiment":"neutral","sentiment_score":0.1189466267824173},{"text":"Now just so your own like, I know you've done it before, but that","start":960.63,"end":964.27496,"sentiment":"neutral","sentiment_score":0.06547406023102147}],"sentiment":"neutral","sentiment_score":0.07099751592613757,"channel":0,"num_words":16,"start":956.63,"end":964.27496},{"sentences":[{"text":"Mhmm.","start":964.22504,"end":964.72504,"sentiment":"neutral","sentiment_score":0.0238531157374382}],"sentiment":"neutral","sentiment_score":0.0238531157374382,"channel":1,"num_words":1,"start":964.22504,"end":964.72504},{"sentences":[{"text":"200, if we go off the standard kind of tax thing, probably costs you about 140 in the hand for that","start":964.27496,"end":972.115,"sentiment":"neutral","sentiment_score":0.036304304287547155}],"sentiment":"neutral","sentiment_score":0.036304304287547155,"channel":0,"num_words":21,"start":964.27496,"end":972.115},{"sentences":[{"text":"Yes.","start":972.03,"end":972.53,"sentiment":"neutral","sentiment_score":0.06561708450317383}],"sentiment":"neutral","sentiment_score":0.06561708450317383,"channel":1,"num_words":1,"start":972.03,"end":972.53},{"sentences":[{"text":"pretax contribution.","start":972.115,"end":973.255,"sentiment":"neutral","sentiment_score":0.09850187599658966},{"text":"So","start":973.795,"end":974.035,"sentiment":"neutral","sentiment_score":0.11949692666530608}],"sentiment":"neutral","sentiment_score":0.10550022621949513,"channel":0,"num_words":3,"start":972.115,"end":974.035},{"sentences":[{"text":"Mhmm.","start":974.03,"end":974.53,"sentiment":"neutral","sentiment_score":0.11993974447250366}],"sentiment":"neutral","sentiment_score":0.11993974447250366,"channel":1,"num_words":1,"start":974.03,"end":974.53},{"sentences":[{"text":"if you want, I can at least just model that and show you the difference that that makes over the next few years of doing that 200 a fortnight.","start":974.035,"end":980.41,"sentiment":"neutral","sentiment_score":0.21628755305347772}],"sentiment":"neutral","sentiment_score":0.21628755305347772,"channel":0,"num_words":29,"start":974.035,"end":980.41},{"sentences":[{"text":"Yes.","start":980.75,"end":981.23004,"sentiment":"neutral","sentiment_score":0.19943583011627197},{"text":"That's fine.","start":981.23004,"end":981.87,"sentiment":"neutral","sentiment_score":0.3163767158985138},{"text":"Yes.","start":981.87,"end":982.11005,"sentiment":"neutral","sentiment_score":0.2543807029724121},{"text":"Because, actually, I've I've I've spoken about this in recent in recent times.","start":982.11005,"end":985.89,"sentiment":"neutral","sentiment_score":0.16463179599780303}],"sentiment":"neutral","sentiment_score":0.18981078310924418,"channel":1,"num_words":17,"start":980.75,"end":985.89},{"sentences":[{"text":"Yep.","start":986.31,"end":986.81,"sentiment":"neutral","sentiment_score":0.2208065241575241},{"text":"Alrighty.","start":988.63,"end":989.13,"sentiment":"positive","sentiment_score":0.35841792821884155},{"text":"So I'll mix that in.","start":990.095,"end":991.13495,"sentiment":"positive","sentiment_score":0.38285514116287234},{"text":"That's looking pretty good too.","start":991.13495,"end":992.415,"sentiment":"positive","sentiment_score":0.6846353769302368},{"text":"So the aim of the game basically is I wanna drop down the risk level a little bit, drop down the fees a little bit, improve the contributions, and switch out some of the investments that aren't doing as well as the other ones, and that should get you a really good outcome for the next few years.","start":992.415,"end":1008.45996,"sentiment":"positive","sentiment_score":0.44039446141185434}],"sentiment":"positive","sentiment_score":0.4494222257818494,"channel":0,"num_words":70,"start":986.31,"end":1008.45996},{"sentences":[{"text":"Okay.","start":1009.12,"end":1009.51996,"sentiment":"neutral","sentiment_score":0.31753772497177124},{"text":"Yes.","start":1009.51996,"end":1009.92,"sentiment":"positive","sentiment_score":0.33978623151779175},{"text":"Yep.","start":1009.92,"end":1010.32,"sentiment":"positive","sentiment_score":0.49417728185653687},{"text":"Brilliant.","start":1010.32,"end":1010.82,"sentiment":"positive","sentiment_score":0.794474184513092}],"sentiment":"positive","sentiment_score":0.486493855714798,"channel":1,"num_words":4,"start":1009.12,"end":1010.82},{"sentences":[{"text":"Perfect.","start":1011.63995,"end":1012.12,"sentiment":"positive","sentiment_score":0.7691446542739868},{"text":"So I will get the team to research that and put together an updated plan.","start":1012.12,"end":1016.12,"sentiment":"positive","sentiment_score":0.4660269021987915},{"text":"I'm gonna do a bit of a retirement analysis to show you kind of once you pay off the mortgage, how long the funds are gonna last based on that thousand to 1,500 a week after tax.","start":1016.12,"end":1026.595,"sentiment":"neutral","sentiment_score":0.2617646624913087}],"sentiment":"neutral","sentiment_score":0.3291479377251751,"channel":0,"num_words":53,"start":1011.63995,"end":1026.595},{"sentences":[{"text":"Yes.","start":1027.5449,"end":1027.865,"sentiment":"neutral","sentiment_score":0.1495770514011383},{"text":"Okay.","start":1027.865,"end":1028.345,"sentiment":"neutral","sentiment_score":0.16318385303020477},{"text":"Yep.","start":1028.345,"end":1028.845,"sentiment":"neutral","sentiment_score":0.1575993448495865}],"sentiment":"neutral","sentiment_score":0.15678674976030985,"channel":1,"num_words":3,"start":1027.5449,"end":1028.845},{"sentences":[{"text":"Alrighty.","start":1029.215,"end":1029.715,"sentiment":"neutral","sentiment_score":0.24238654971122744},{"text":"Any questions on that so far?","start":1030.1749,"end":1031.615,"sentiment":"neutral","sentiment_score":0.13023656234145164},{"text":"I know I'm still gonna put the plan together, but do you like what what we're leaning towards?","start":1031.615,"end":1035.315,"sentiment":"neutral","sentiment_score":0.06580471656181747}],"sentiment":"neutral","sentiment_score":0.08833163287490606,"channel":0,"num_words":25,"start":1029.215,"end":1035.315},{"sentences":[{"text":"No.","start":1035.8099,"end":1036.13,"sentiment":"neutral","sentiment_score":-0.13181114196777344},{"text":"Yes.","start":1036.13,"end":1036.45,"sentiment":"neutral","sentiment_score":-0.03179704397916794},{"text":"You're you're helping me out here, but you're bringing up a lot of things that I've had in the back of my head recently.","start":1036.45,"end":1041.83,"sentiment":"neutral","sentiment_score":-0.016281814003984135},{"text":"Yeah?","start":1041.89,"end":1042.39,"sentiment":"neutral","sentiment_score":0.20358994603157043}],"sentiment":"neutral","sentiment_score":-0.012991917630036673,"channel":1,"num_words":27,"start":1035.8099,"end":1042.39},{"sentences":[{"text":"Perfect.","start":1043.0,"end":1043.5,"sentiment":"positive","sentiment_score":0.5711023807525635},{"text":"Well, that's my job, mate, is to guide you nice and safely into port for the next few years and then send you away within a low half flowers around your neck, and you can send us some photos back.","start":1043.5599,"end":1053.415,"sentiment":"neutral","sentiment_score":0.19465499892830848}],"sentiment":"neutral","sentiment_score":0.20383664238743665,"channel":0,"num_words":41,"start":1043.0,"end":1053.415},{"sentences":[{"text":"Well, that's my aim to get out of the port.","start":1053.835,"end":1055.88,"sentiment":"neutral","sentiment_score":0.067720165848732},{"text":"I'll work in the port.","start":1055.96,"end":1057.02,"sentiment":"neutral","sentiment_score":0.10372320115566254}],"sentiment":"neutral","sentiment_score":0.07972117761770885,"channel":1,"num_words":15,"start":1053.835,"end":1057.02},{"sentences":[{"text":"Oh, no.","start":1058.115,"end":1058.855,"sentiment":"neutral","sentiment_score":0.03840823471546173},{"text":"That's right.","start":1058.995,"end":1059.555,"sentiment":"neutral","sentiment_score":0.08799057826399803}],"sentiment":"neutral","sentiment_score":0.06319940648972988,"channel":0,"num_words":4,"start":1058.115,"end":1059.555},{"sentences":[{"text":"Yep.","start":1059.4,"end":1059.9,"sentiment":"neutral","sentiment_score":0.2315242737531662}],"sentiment":"neutral","sentiment_score":0.2315242737531662,"channel":1,"num_words":1,"start":1059.4,"end":1059.9},{"sentences":[{"text":"You are in the port.","start":1059.555,"end":1060.4349,"sentiment":"positive","sentiment_score":0.3378753364086151},{"text":"That's fantastic.","start":1060.4349,"end":1061.255,"sentiment":"positive","sentiment_score":0.7667826414108276},{"text":"I didn't mean that pun, but worked out pretty well.","start":1061.315,"end":1064.695,"sentiment":"positive","sentiment_score":0.4795981138944626}],"sentiment":"positive","sentiment_score":0.47170135904760924,"channel":0,"num_words":17,"start":1059.555,"end":1064.695},{"sentences":[{"text":"Yep.","start":1066.04,"end":1066.54,"sentiment":"neutral","sentiment_score":0.22458630800247192}],"sentiment":"neutral","sentiment_score":0.22458630800247192,"channel":1,"num_words":1,"start":1066.04,"end":1066.54},{"sentences":[{"text":"Alrighty.","start":1067.03,"end":1067.53,"sentiment":"neutral","sentiment_score":0.30014485120773315},{"text":"So, mate, anything else that I can do for you today?","start":1067.8301,"end":1070.89,"sentiment":"neutral","sentiment_score":0.16730416769331152}],"sentiment":"neutral","sentiment_score":0.17837422465284666,"channel":0,"num_words":12,"start":1067.03,"end":1070.89},{"sentences":[{"text":"No.","start":1071.665,"end":1071.905,"sentiment":"neutral","sentiment_score":-0.04560127109289169},{"text":"No.","start":1071.905,"end":1072.145,"sentiment":"neutral","sentiment_score":-0.05630810186266899},{"text":"You've just you've been good, Tommy.","start":1072.145,"end":1073.905,"sentiment":"neutral","sentiment_score":0.006841259387632211},{"text":"So what what what way working this?","start":1073.905,"end":1076.385,"sentiment":"neutral","sentiment_score":-0.016841713339090347},{"text":"You're gonna put this together.","start":1076.385,"end":1077.765,"sentiment":"neutral","sentiment_score":0.03266583830118179}],"sentiment":"neutral","sentiment_score":-0.0007712309248745445,"channel":1,"num_words":20,"start":1071.665,"end":1077.765},{"sentences":[{"text":"Do you reckon I just go ahead with the pay office and put this structure in place for an extra $200 a fortnight?","start":1077.985,"end":1085.12,"sentiment":"neutral","sentiment_score":0.03776855730330166},{"text":"I just go ahead and do that.","start":1085.12,"end":1086.4,"sentiment":"neutral","sentiment_score":0.06626525947025844},{"text":"Yep.","start":1086.4,"end":1086.9,"sentiment":"neutral","sentiment_score":0.10682493448257446}],"sentiment":"neutral","sentiment_score":0.04643092157259103,"channel":1,"num_words":31,"start":1077.985,"end":1086.9},{"sentences":[{"text":"You can do that, but as an adviser, I have to advise you to wait until you see the document first because it's kind of that wants you","start":1087.285,"end":1093.5,"sentiment":"neutral","sentiment_score":0.028896427912903682}],"sentiment":"neutral","sentiment_score":0.028896427912903682,"channel":0,"num_words":28,"start":1087.285,"end":1093.5},{"sentences":[{"text":"Yep.","start":1093.28,"end":1093.78,"sentiment":"neutral","sentiment_score":0.0361962765455246}],"sentiment":"neutral","sentiment_score":0.0361962765455246,"channel":1,"num_words":1,"start":1093.28,"end":1093.78},{"sentences":[{"text":"to implement the advice before I've","start":1093.5,"end":1095.1,"sentiment":"neutral","sentiment_score":0.025546669960021973}],"sentiment":"neutral","sentiment_score":0.025546669960021973,"channel":0,"num_words":6,"start":1093.5,"end":1095.1},{"sentences":[{"text":"Yep.","start":1095.04,"end":1095.54,"sentiment":"neutral","sentiment_score":0.049750372767448425}],"sentiment":"neutral","sentiment_score":0.049750372767448425,"channel":1,"num_words":1,"start":1095.04,"end":1095.54},{"sentences":[{"text":"shown you.","start":1095.1,"end":1095.5801,"sentiment":"neutral","sentiment_score":0.04917122982442379},{"text":"But if you feel confident and safe that you've done it before,","start":1095.5801,"end":1098.3,"sentiment":"neutral","sentiment_score":0.09299197979271412}],"sentiment":"neutral","sentiment_score":0.08673187265438694,"channel":0,"num_words":14,"start":1095.1,"end":1098.3},{"sentences":[{"text":"Yep.","start":1098.0549,"end":1098.5549,"sentiment":"neutral","sentiment_score":0.05607715994119644}],"sentiment":"neutral","sentiment_score":0.05607715994119644,"channel":1,"num_words":1,"start":1098.0549,"end":1098.5549},{"sentences":[{"text":"by all means.","start":1098.3,"end":1099.12,"sentiment":"neutral","sentiment_score":0.06367782379190128}],"sentiment":"neutral","sentiment_score":0.06367782379190128,"channel":0,"num_words":3,"start":1098.3,"end":1099.12},{"sentences":[{"text":"Well, by your figures, that's that'll be able to tell me what way I am without doing that or what way I am not doing it, you know, doing it or not doing it.","start":1099.575,"end":1109.035,"sentiment":"neutral","sentiment_score":-0.03555544024771627}],"sentiment":"neutral","sentiment_score":-0.03555544024771627,"channel":1,"num_words":34,"start":1099.575,"end":1109.035},{"sentences":[{"text":"Yeah.","start":1109.3551,"end":1109.5951,"sentiment":"neutral","sentiment_score":0.043377745896577835},{"text":"Yep.","start":1109.5951,"end":1109.915,"sentiment":"neutral","sentiment_score":0.04149429500102997},{"text":"And see if it's worth it in terms of an","start":1109.915,"end":1112.0751,"sentiment":"neutral","sentiment_score":0.03333245608955622}],"sentiment":"neutral","sentiment_score":0.0348497168160975,"channel":0,"num_words":12,"start":1109.3551,"end":1112.0751},{"sentences":[{"text":"Yes.","start":1111.8401,"end":1112.3401,"sentiment":"neutral","sentiment_score":-0.001230143941938877}],"sentiment":"neutral","sentiment_score":-0.001230143941938877,"channel":1,"num_words":1,"start":1111.8401,"end":1112.3401},{"sentences":[{"text":"impact to to bother.","start":1112.0751,"end":1113.615,"sentiment":"neutral","sentiment_score":-0.011167965829372406}],"sentiment":"neutral","sentiment_score":-0.011167965829372406,"channel":0,"num_words":4,"start":1112.0751,"end":1113.615},{"sentences":[{"text":"Yep.","start":1114.0801,"end":1114.48,"sentiment":"neutral","sentiment_score":0.04951569065451622},{"text":"Okay.","start":1114.48,"end":1114.98,"sentiment":"neutral","sentiment_score":0.1388716697692871}],"sentiment":"neutral","sentiment_score":0.09419368021190166,"channel":1,"num_words":2,"start":1114.0801,"end":1114.98},{"sentences":[{"text":"Amazing.","start":1115.8351,"end":1116.3351,"sentiment":"neutral","sentiment_score":0.2238888144493103},{"text":"I know there's probably not any need to do anything insurance wise.","start":1117.0399,"end":1120.3999,"sentiment":"neutral","sentiment_score":0.016112488384048145},{"text":"Just wanted to ask the question if you were wanting me to look at anything insurances wise or just focus on the retirement.","start":1120.3999,"end":1126.1799,"sentiment":"neutral","sentiment_score":0.019844225243381832}],"sentiment":"neutral","sentiment_score":0.024268218212657504,"channel":0,"num_words":36,"start":1115.8351,"end":1126.1799},{"sentences":[{"text":"No.","start":1126.8049,"end":1127.045,"sentiment":"neutral","sentiment_score":-0.01594105176627636},{"text":"I think down the track many years ago when when I started with you guys, when I was had a lot of car of sport in SwissBV,","start":1127.045,"end":1134.985,"sentiment":"neutral","sentiment_score":0.01661152413321866}],"sentiment":"neutral","sentiment_score":0.015448932136808122,"channel":1,"num_words":28,"start":1126.8049,"end":1134.985},{"sentences":[{"text":"Yep.","start":1135.855,"end":1136.355,"sentiment":"neutral","sentiment_score":0.042547207325696945}],"sentiment":"neutral","sentiment_score":0.042547207325696945,"channel":0,"num_words":1,"start":1135.855,"end":1136.355},{"sentences":[{"text":"and he advised me back then probably just leave the insurances alone because at the end of the day, if something happens, your spouse is going to get your your super anyway.","start":1135.87,"end":1147.49,"sentiment":"neutral","sentiment_score":0.017508992867078632}],"sentiment":"neutral","sentiment_score":0.017508992867078632,"channel":1,"num_words":32,"start":1135.87,"end":1147.49},{"sentences":[{"text":"Yeah.","start":1148.35,"end":1148.67,"sentiment":"neutral","sentiment_score":0.008215564303100109},{"text":"And that'll clear the mortgage.","start":1148.67,"end":1150.03,"sentiment":"neutral","sentiment_score":0.08958997875452042},{"text":"It'll have a whole bunch left over.","start":1150.03,"end":1151.55,"sentiment":"neutral","sentiment_score":0.095299060855593},{"text":"Like, you use insurance to cover the deficit of the assets that you don't have.","start":1151.55,"end":1155.4049,"sentiment":"neutral","sentiment_score":0.05498033215602239},{"text":"Now that you've got the assets, do you need it?","start":1155.4049,"end":1157.6649,"sentiment":"neutral","sentiment_score":0.029704256542026998}],"sentiment":"neutral","sentiment_score":0.05907911662698576,"channel":0,"num_words":38,"start":1148.35,"end":1157.6649},{"sentences":[{"text":"Yes.","start":1157.655,"end":1158.155,"sentiment":"neutral","sentiment_score":0.08167695254087448},{"text":"Yes.","start":1158.295,"end":1158.535,"sentiment":"neutral","sentiment_score":0.1019965410232544},{"text":"That's right.","start":1158.535,"end":1159.175,"sentiment":"neutral","sentiment_score":0.19042451679706573},{"text":"Yep.","start":1159.175,"end":1159.675,"sentiment":"neutral","sentiment_score":0.12776100635528564}],"sentiment":"neutral","sentiment_score":0.1384567067027092,"channel":1,"num_words":5,"start":1157.655,"end":1159.675},{"sentences":[{"text":"And the last thing you probably want is another $10,000 coming out of your super and additional fees for something","start":1159.4049,"end":1165.005,"sentiment":"neutral","sentiment_score":-0.015727675706148147}],"sentiment":"neutral","sentiment_score":-0.015727675706148147,"channel":0,"num_words":20,"start":1159.4049,"end":1165.005},{"sentences":[{"text":"Yep.","start":1164.99,"end":1165.49,"sentiment":"neutral","sentiment_score":-0.017780784517526627}],"sentiment":"neutral","sentiment_score":-0.017780784517526627,"channel":1,"num_words":1,"start":1164.99,"end":1165.49},{"sentences":[{"text":"that you don't necessarily need.","start":1165.005,"end":1166.625,"sentiment":"neutral","sentiment_score":-0.10733972042798996}],"sentiment":"neutral","sentiment_score":-0.10733972042798996,"channel":0,"num_words":5,"start":1165.005,"end":1166.625},{"sentences":[{"text":"That's true, Tommy.","start":1166.8301,"end":1167.63,"sentiment":"neutral","sentiment_score":0.06308143213391304},{"text":"But at the end of the day, we pay that much insurance for everything.","start":1167.63,"end":1170.75,"sentiment":"neutral","sentiment_score":0.09280152033482279},{"text":"You know?","start":1170.75,"end":1171.41,"sentiment":"neutral","sentiment_score":0.07088935002684593}],"sentiment":"neutral","sentiment_score":0.08580233058647106,"channel":1,"num_words":19,"start":1166.8301,"end":1171.41},{"sentences":[{"text":"Yeah.","start":1171.55,"end":1171.87,"sentiment":"neutral","sentiment_score":0.1578490138053894},{"text":"And you can get a policy for everything these days.","start":1171.87,"end":1174.13,"sentiment":"neutral","sentiment_score":0.19668408781290053}],"sentiment":"neutral","sentiment_score":0.19315362653949045,"channel":0,"num_words":11,"start":1171.55,"end":1174.13},{"sentences":[{"text":"Yeah.","start":1174.59,"end":1175.09,"sentiment":"positive","sentiment_score":0.3405127227306366}],"sentiment":"positive","sentiment_score":0.3405127227306366,"channel":1,"num_words":1,"start":1174.59,"end":1175.09},{"sentences":[{"text":"Absolutely.","start":1176.1901,"end":1176.6901,"sentiment":"positive","sentiment_score":0.5368435382843018},{"text":"So between the wills, the beneficiaries, the portfolio, and everything, that's all looking pretty good.","start":1177.55,"end":1182.61,"sentiment":"positive","sentiment_score":0.5881796757380168},{"text":"Alrighty.","start":1184.085,"end":1184.585,"sentiment":"neutral","sentiment_score":0.325700044631958},{"text":"Outside of that, inside that pack I've sent you, it's just got the updated service agreement to remain advisers on hub twenty four if you're still comfortable with the services.","start":1184.805,"end":1193.625,"sentiment":"neutral","sentiment_score":0.24988398402929307},{"text":"Just","start":1194.165,"end":1194.405,"sentiment":"neutral","sentiment_score":0.1307429075241089}],"sentiment":"positive","sentiment_score":0.3606771072372794,"channel":0,"num_words":48,"start":1176.1901,"end":1194.405},{"sentences":[{"text":"Yes.","start":1194.36,"end":1194.86,"sentiment":"neutral","sentiment_score":0.1346716582775116}],"sentiment":"neutral","sentiment_score":0.1346716582775116,"channel":1,"num_words":1,"start":1194.36,"end":1194.86},{"sentences":[{"text":"bear in mind two little things.","start":1194.405,"end":1196.665,"sentiment":"neutral","sentiment_score":0.0783269243935744},{"text":"First of all, you are well and truly above our cap, which is 600,000 in terms of the fees.","start":1197.33,"end":1203.73,"sentiment":"neutral","sentiment_score":0.04152456376897661},{"text":"So the 1.65% caps at 600,000.","start":1203.73,"end":1207.03,"sentiment":"neutral","sentiment_score":-0.0038407985121011734},{"text":"You're well and truly above that, so it's flat at this point.","start":1207.25,"end":1210.39,"sentiment":"neutral","sentiment_score":0.03491095618422454},{"text":"Next year, Colin, we are bringing in tiered fee structures.","start":1211.01,"end":1214.995,"sentiment":"neutral","sentiment_score":0.03408441655337811}],"sentiment":"neutral","sentiment_score":0.03765394540837491,"channel":0,"num_words":53,"start":1194.405,"end":1214.995},{"sentences":[{"text":"So for everyone above 200,000, we're gonna start dropping and giving some percentage discounts to everybody.","start":1215.135,"end":1221.155,"sentiment":"neutral","sentiment_score":0.07864217087626457}],"sentiment":"neutral","sentiment_score":0.07864217087626457,"channel":0,"num_words":16,"start":1215.135,"end":1221.155},{"sentences":[{"text":"Okay.","start":1222.39,"end":1222.89,"sentiment":"neutral","sentiment_score":0.06255558878183365}],"sentiment":"neutral","sentiment_score":0.06255558878183365,"channel":1,"num_words":1,"start":1222.39,"end":1222.89},{"sentences":[{"text":"So I'll leave that as the current agreement for the twelve months, but next time I speak to you after that, we'll go through that new update once we've got all the","start":1223.375,"end":1232.23,"sentiment":"neutral","sentiment_score":0.06384713132865727}],"sentiment":"neutral","sentiment_score":0.06384713132865727,"channel":0,"num_words":32,"start":1223.375,"end":1232.23},{"sentences":[{"text":"Okay.","start":1232.115,"end":1232.615,"sentiment":"neutral","sentiment_score":0.028468603268265724}],"sentiment":"neutral","sentiment_score":0.028468603268265724,"channel":1,"num_words":1,"start":1232.115,"end":1232.615},{"sentences":[{"text":"the guides and legal documents written up.","start":1232.37,"end":1236.07,"sentiment":"neutral","sentiment_score":0.04387366133076804}],"sentiment":"neutral","sentiment_score":0.04387366133076804,"channel":0,"num_words":7,"start":1232.37,"end":1236.07},{"sentences":[{"text":"Tell me.","start":1237.875,"end":1238.275,"sentiment":"neutral","sentiment_score":0.0539577342569828},{"text":"Yep.","start":1238.275,"end":1238.775,"sentiment":"neutral","sentiment_score":0.20524486899375916}],"sentiment":"neutral","sentiment_score":0.10438677916924159,"channel":1,"num_words":3,"start":1237.875,"end":1238.775},{"sentences":[{"text":"Perfect.","start":1239.25,"end":1239.75,"sentiment":"positive","sentiment_score":0.4554647207260132},{"text":"Alright.","start":1240.125,"end":1240.365,"sentiment":"positive","sentiment_score":0.3696679472923279},{"text":"That's pretty much everything I needed so far.","start":1240.365,"end":1242.785,"sentiment":"positive","sentiment_score":0.4466940350830555},{"text":"Anything else I can help you with before I let you enjoy your day picking up your daughter?","start":1243.005,"end":1247.425,"sentiment":"neutral","sentiment_score":0.2576357763674524}],"sentiment":"neutral","sentiment_score":0.32271889011774746,"channel":0,"num_words":28,"start":1239.25,"end":1247.425},{"sentences":[{"text":"No.","start":1247.87,"end":1248.11,"sentiment":"neutral","sentiment_score":-0.049374017864465714},{"text":"No.","start":1248.11,"end":1248.35,"sentiment":"neutral","sentiment_score":-0.04382174462080002},{"text":"Thanks.","start":1248.35,"end":1248.59,"sentiment":"neutral","sentiment_score":0.04043085128068924},{"text":"No.","start":1248.59,"end":1248.83,"sentiment":"neutral","sentiment_score":0.008367177098989487},{"text":"Appreciate your call and your help.","start":1248.83,"end":1250.99,"sentiment":"positive","sentiment_score":0.3896522174278895}],"sentiment":"neutral","sentiment_score":0.229351557046175,"channel":1,"num_words":10,"start":1247.87,"end":1250.99},{"sentences":[{"text":"You yes.","start":1250.99,"end":1251.97,"sentiment":"neutral","sentiment_score":0.25014131516218185},{"text":"Appreciate it, miss Beanie.","start":1252.11,"end":1253.49,"sentiment":"positive","sentiment_score":0.3647583797574043},{"text":"You say you've jogged my memory a bit because you put things in the back burner and then you forget about them.","start":1253.63,"end":1258.85,"sentiment":"neutral","sentiment_score":0.02660153518346223}],"sentiment":"neutral","sentiment_score":0.09087678297821965,"channel":1,"num_words":28,"start":1250.99,"end":1258.85},{"sentences":[{"text":"Yeah.","start":1259.26,"end":1259.5801,"sentiment":"neutral","sentiment_score":0.15117254853248596},{"text":"That's half our job, Colton.","start":1259.5801,"end":1260.7001,"sentiment":"neutral","sentiment_score":0.29229838848114015},{"text":"It's just good reminder and just to get that little bit of movement going where people otherwise wouldn't.","start":1260.7001,"end":1265.52,"sentiment":"positive","sentiment_score":0.36287003341648316}],"sentiment":"positive","sentiment_score":0.3393468788514535,"channel":0,"num_words":24,"start":1259.26,"end":1265.52},{"sentences":[{"text":"Yeah.","start":1266.245,"end":1266.745,"sentiment":"neutral","sentiment_score":0.05782127380371094}],"sentiment":"neutral","sentiment_score":0.05782127380371094,"channel":1,"num_words":1,"start":1266.245,"end":1266.745},{"sentences":[{"text":"But leave it with me.","start":1268.5249,"end":1269.4049,"sentiment":"neutral","sentiment_score":0.016241492331027986},{"text":"I'll put together a nice, beautiful plan for you.","start":1269.4049,"end":1271.485,"sentiment":"positive","sentiment_score":0.859197735786438},{"text":"We'll get everything kind of moving smoothly in towards that port.","start":1271.485,"end":1275.345,"sentiment":"positive","sentiment_score":0.8129585656252775},{"text":"And like I said, drop the risk down, drop the fees, get the performance up a little bit, and you should be having a good few years.","start":1275.4049,"end":1281.9299,"sentiment":"positive","sentiment_score":0.6676802502738105},{"text":"The only warning I'm gonna give you is the same one I'll give you when we go through the document is sometime over the next few years, the market is probably gonna have a bit of a dive again.","start":1281.99,"end":1290.33,"sentiment":"neutral","sentiment_score":-0.1925610812046589}],"sentiment":"neutral","sentiment_score":0.29971446039584965,"channel":0,"num_words":91,"start":1268.5249,"end":1290.33},{"sentences":[{"text":"We kind","start":1290.63,"end":1291.0299,"sentiment":"neutral","sentiment_score":-0.07901107519865036}],"sentiment":"neutral","sentiment_score":-0.07901107519865036,"channel":0,"num_words":2,"start":1290.63,"end":1291.0299},{"sentences":[{"text":"Yes.","start":1290.985,"end":1291.485,"sentiment":"neutral","sentiment_score":-0.06097078695893288}],"sentiment":"neutral","sentiment_score":-0.06097078695893288,"channel":1,"num_words":1,"start":1290.985,"end":1291.485},{"sentences":[{"text":"of expect that with what's currently going on, but","start":1291.0299,"end":1293.945,"sentiment":"neutral","sentiment_score":-0.0826579597261217}],"sentiment":"neutral","sentiment_score":-0.0826579597261217,"channel":0,"num_words":9,"start":1291.0299,"end":1293.945},{"sentences":[{"text":"Yeah.","start":1293.705,"end":1293.7849,"sentiment":"neutral","sentiment_score":-0.020963432267308235},{"text":"Yeah.","start":1293.7849,"end":1293.865,"sentiment":"neutral","sentiment_score":0.017529523000121117},{"text":"Uh-huh.","start":1293.865,"end":1294.365,"sentiment":"neutral","sentiment_score":0.06085316091775894}],"sentiment":"neutral","sentiment_score":0.01913975055019061,"channel":1,"num_words":3,"start":1293.705,"end":1294.365},{"sentences":[{"text":"I'm factoring in that we can still get you there even once it bounces back after that.","start":1293.945,"end":1299.325,"sentiment":"neutral","sentiment_score":0.06376031260280048}],"sentiment":"neutral","sentiment_score":0.06376031260280048,"channel":0,"num_words":17,"start":1293.945,"end":1299.325},{"sentences":[{"text":"Yes.","start":1299.625,"end":1300.0249,"sentiment":"neutral","sentiment_score":0.0740853101015091},{"text":"Fair enough.","start":1300.0249,"end":1300.765,"sentiment":"neutral","sentiment_score":0.10816124454140663}],"sentiment":"neutral","sentiment_score":0.09680259972810745,"channel":1,"num_words":3,"start":1299.625,"end":1300.765},{"sentences":[{"text":"Cool.","start":1301.3049,"end":1301.705,"sentiment":"neutral","sentiment_score":0.1517663300037384},{"text":"So the main thing is, again, I don't want you dropping down $250,000 in a single year because we've left you in too high risk for too long.","start":1301.705,"end":1309.6699,"sentiment":"neutral","sentiment_score":-0.2338230772210019}],"sentiment":"neutral","sentiment_score":-0.22052689076497636,"channel":0,"num_words":29,"start":1301.3049,"end":1309.6699},{"sentences":[{"text":"Yes.","start":1310.0,"end":1310.32,"sentiment":"neutral","sentiment_score":-0.026704180985689163},{"text":"Okay.","start":1310.32,"end":1310.72,"sentiment":"neutral","sentiment_score":0.02372395247220993},{"text":"Fair enough.","start":1310.72,"end":1311.28,"sentiment":"neutral","sentiment_score":0.05805668607354164},{"text":"Yep.","start":1311.28,"end":1311.78,"sentiment":"neutral","sentiment_score":0.133661150932312}],"sentiment":"neutral","sentiment_score":0.049358858913183215,"channel":1,"num_words":5,"start":1310.0,"end":1311.78},{"sentences":[{"text":"Cool.","start":1312.0499,"end":1312.5499,"sentiment":"neutral","sentiment_score":0.17346099019050598},{"text":"Outside of that, mate, I probably need a couple of weeks.","start":1312.9299,"end":1315.49,"sentiment":"neutral","sentiment_score":0.011226351965557445},{"text":"I've just gotten back from paternity leave, so I've booked out at the moment.","start":1315.49,"end":1319.0299,"sentiment":"neutral","sentiment_score":0.0321078606482063}],"sentiment":"neutral","sentiment_score":0.028710035034097157,"channel":0,"num_words":26,"start":1312.0499,"end":1319.0299},{"sentences":[{"text":"Yes.","start":1319.545,"end":1320.045,"sentiment":"neutral","sentiment_score":0.07644607126712799}],"sentiment":"neutral","sentiment_score":0.07644607126712799,"channel":1,"num_words":1,"start":1319.545,"end":1320.045},{"sentences":[{"text":"But are you okay if the team reaches out in a fortnight and just gets you booked in to go through that plan with me?","start":1321.0249,"end":1326.085,"sentiment":"neutral","sentiment_score":0.13060946196317672}],"sentiment":"neutral","sentiment_score":0.13060946196317672,"channel":0,"num_words":25,"start":1321.0249,"end":1326.085},{"sentences":[{"text":"You know, that's fine.","start":1326.425,"end":1327.385,"sentiment":"neutral","sentiment_score":0.09001017082482576},{"text":"Tell me.","start":1327.385,"end":1327.785,"sentiment":"neutral","sentiment_score":0.0930168628692627},{"text":"Yeah.","start":1327.785,"end":1328.025,"sentiment":"neutral","sentiment_score":0.09575366973876952},{"text":"Uh-huh.","start":1328.025,"end":1328.525,"sentiment":"neutral","sentiment_score":0.10627448558807372}],"sentiment":"neutral","sentiment_score":0.09351282054558396,"channel":1,"num_words":8,"start":1326.425,"end":1328.525},{"sentences":[{"text":"Perfect.","start":1329.6649,"end":1330.065,"sentiment":"positive","sentiment_score":0.4576961696147918},{"text":"Perfect.","start":1330.065,"end":1330.465,"sentiment":"positive","sentiment_score":0.4479196667671203},{"text":"Perfect.","start":1330.465,"end":1330.965,"sentiment":"positive","sentiment_score":0.3767218589782715},{"text":"If there's anything else we need, we will reach out.","start":1331.0249,"end":1333.105,"sentiment":"neutral","sentiment_score":0.16960879042744637},{"text":"But outside of that, we'll send you those beneficiary forms.","start":1333.105,"end":1336.27,"sentiment":"neutral","sentiment_score":0.09336281940340996}],"sentiment":"neutral","sentiment_score":0.17008929537690204,"channel":0,"num_words":23,"start":1329.6649,"end":1336.27},{"sentences":[{"text":"Colin, do you have access to a a printer to print out the forms, or do you want me to post them with a return envelope?","start":1336.49,"end":1342.57,"sentiment":"neutral","sentiment_score":0.04928733279498724},{"text":"Well, it's easier.","start":1342.57,"end":1343.39,"sentiment":"neutral","sentiment_score":0.13217074424028397}],"sentiment":"neutral","sentiment_score":0.05786147880656966,"channel":0,"num_words":29,"start":1336.49,"end":1343.39},{"sentences":[{"text":"I can know if you send them to me via email.","start":1344.035,"end":1346.755,"sentiment":"neutral","sentiment_score":0.12591912123289975},{"text":"Yes.","start":1346.755,"end":1347.0751,"sentiment":"neutral","sentiment_score":0.12140537798404694},{"text":"I can print them out at home.","start":1347.0751,"end":1348.1951,"sentiment":"neutral","sentiment_score":0.13004947240863526},{"text":"No problem.","start":1348.1951,"end":1348.8351,"sentiment":"neutral","sentiment_score":0.17098499089479446},{"text":"Yeah.","start":1348.8351,"end":1349.3351,"sentiment":"neutral","sentiment_score":0.21761798858642575}],"sentiment":"neutral","sentiment_score":0.13529318130829118,"channel":1,"num_words":22,"start":1344.035,"end":1349.3351},{"sentences":[{"text":"Easy done.","start":1350.105,"end":1350.745,"sentiment":"neutral","sentiment_score":0.29699142277240753},{"text":"And I'll prefill them in with that binding nonlapsing nomination to your spouse there.","start":1350.745,"end":1356.845,"sentiment":"neutral","sentiment_score":0.1840503971491541},{"text":"Do you want me to put in her details as well in terms of date of birth and everything?","start":1358.185,"end":1362.87,"sentiment":"neutral","sentiment_score":0.06914164988618147},{"text":"Or","start":1362.87,"end":1363.37,"sentiment":"neutral","sentiment_score":0.03868940472602844}],"sentiment":"neutral","sentiment_score":0.12564080994990137,"channel":0,"num_words":36,"start":1350.105,"end":1363.37},{"sentences":[{"text":"Yep.","start":1364.2101,"end":1364.6901,"sentiment":"neutral","sentiment_score":0.03112669102847576},{"text":"Yes.","start":1364.6901,"end":1364.93,"sentiment":"neutral","sentiment_score":0.053314756602048874},{"text":"Have you got all those details or do you need them off me now?","start":1364.93,"end":1367.99,"sentiment":"neutral","sentiment_score":0.02678240928798914}],"sentiment":"neutral","sentiment_score":0.028712198603898287,"channel":1,"num_words":16,"start":1364.2101,"end":1367.99},{"sentences":[{"text":"the only one I don't have is the date of birth.","start":1367.9099,"end":1370.1699,"sentiment":"neutral","sentiment_score":-0.06725153293121945}],"sentiment":"neutral","sentiment_score":-0.06725153293121945,"channel":0,"num_words":11,"start":1367.9099,"end":1370.1699},{"sentences":[{"text":"It's the twenty ninth of the eleventh nineteen eighty four.","start":1371.095,"end":1376.875,"sentiment":"neutral","sentiment_score":-0.01963740224018693}],"sentiment":"neutral","sentiment_score":-0.01963740224018693,"channel":1,"num_words":10,"start":1371.095,"end":1376.875},{"sentences":[{"text":"1984.","start":1377.345,"end":1378.305,"sentiment":"neutral","sentiment_score":-0.01388163398951292},{"text":"So we've got MacNeil, 11/29/1984.","start":1378.305,"end":1384.405,"sentiment":"neutral","sentiment_score":0.05655421763658523},{"text":"And middle name?","start":1385.105,"end":1386.245,"sentiment":"neutral","sentiment_score":0.010235065904756388}],"sentiment":"neutral","sentiment_score":0.03328829465640916,"channel":0,"num_words":9,"start":1377.345,"end":1386.245},{"sentences":[{"text":"No.","start":1387.74,"end":1387.9,"sentiment":"neutral","sentiment_score":-0.057572443038225174},{"text":"No middle name.","start":1387.9,"end":1388.7001,"sentiment":"neutral","sentiment_score":-0.06669346243143082},{"text":"No.","start":1388.7001,"end":1388.9401,"sentiment":"neutral","sentiment_score":-0.06087318807840347}],"sentiment":"neutral","sentiment_score":-0.06370520368218421,"channel":1,"num_words":5,"start":1387.74,"end":1388.9401},{"sentences":[{"text":"No","start":1388.91,"end":1389.23,"sentiment":"neutral","sentiment_score":-0.04599040001630783}],"sentiment":"neutral","sentiment_score":-0.04599040001630783,"channel":0,"num_words":1,"start":1388.91,"end":1389.23},{"sentences":[{"text":"Just","start":1388.9401,"end":1389.4401,"sentiment":"neutral","sentiment_score":-0.052079882472753525}],"sentiment":"neutral","sentiment_score":-0.052079882472753525,"channel":1,"num_words":1,"start":1388.9401,"end":1389.4401},{"sentences":[{"text":"middle name.","start":1389.23,"end":1389.97,"sentiment":"neutral","sentiment_score":-0.014520599506795406}],"sentiment":"neutral","sentiment_score":-0.014520599506795406,"channel":0,"num_words":2,"start":1389.23,"end":1389.97},{"sentences":[{"text":"La Portia.","start":1389.5801,"end":1390.3,"sentiment":"neutral","sentiment_score":0.027153948321938515},{"text":"Yeah.","start":1390.3,"end":1390.62,"sentiment":"neutral","sentiment_score":0.038080379366874695},{"text":"Uh-huh.","start":1390.62,"end":1391.12,"sentiment":"neutral","sentiment_score":0.0856078565120697}],"sentiment":"neutral","sentiment_score":0.04449903313070536,"channel":1,"num_words":4,"start":1389.5801,"end":1391.12},{"sentences":[{"text":"Perfect.","start":1391.79,"end":1392.29,"sentiment":"positive","sentiment_score":0.5973423719406128},{"text":"Alrighty.","start":1392.8301,"end":1393.3301,"sentiment":"positive","sentiment_score":0.42233049869537354},{"text":"Yeah.","start":1393.39,"end":1393.55,"sentiment":"neutral","sentiment_score":0.3287809193134308},{"text":"I can get that prefilled.","start":1393.55,"end":1394.43,"sentiment":"neutral","sentiment_score":0.3269591748714447},{"text":"No worries at all.","start":1394.43,"end":1395.49,"sentiment":"neutral","sentiment_score":0.20270894467830658}],"sentiment":"neutral","sentiment_score":0.31617378691832226,"channel":0,"num_words":12,"start":1391.79,"end":1395.49},{"sentences":[{"text":"Alright, Tommy.","start":1396.14,"end":1396.9401,"sentiment":"positive","sentiment_score":0.43672479689121246},{"text":"Thanks for your time.","start":1396.9401,"end":1398.16,"sentiment":"positive","sentiment_score":0.7636768817901611}],"sentiment":"positive","sentiment_score":0.6546928534905115,"channel":1,"num_words":6,"start":1396.14,"end":1398.16},{"sentences":[{"text":"No worries.","start":1398.525,"end":1399.165,"sentiment":"positive","sentiment_score":0.3701499253511429},{"text":"Thank you for yours, Colin, and I will speak to you in a couple of weeks.","start":1399.165,"end":1402.305,"sentiment":"positive","sentiment_score":0.542066028341651}],"sentiment":"positive","sentiment_score":0.5229642391204834,"channel":0,"num_words":18,"start":1398.525,"end":1402.305},{"sentences":[{"text":"Yes.","start":1402.555,"end":1402.875,"sentiment":"neutral","sentiment_score":0.3053857088088989},{"text":"Alright.","start":1402.875,"end":1403.375,"sentiment":"positive","sentiment_score":0.33717960119247437}],"sentiment":"neutral","sentiment_score":0.32128265500068665,"channel":1,"num_words":2,"start":1402.555,"end":1403.375},{"sentences":[{"text":"Alrighty, man.","start":1404.925,"end":1405.645,"sentiment":"positive","sentiment_score":0.5268204063177109},{"text":"Have a great","start":1405.645,"end":1406.125,"sentiment":"positive","sentiment_score":0.7226081291834513}],"sentiment":"positive","sentiment_score":0.6442930400371552,"channel":0,"num_words":5,"start":1404.925,"end":1406.125},{"sentences":[{"text":"Alright.","start":1406.0751,"end":1406.395,"sentiment":"positive","sentiment_score":0.46233972907066345}],"sentiment":"positive","sentiment_score":0.46233972907066345,"channel":1,"num_words":1,"start":1406.0751,"end":1406.395},{"sentences":[{"text":"day.","start":1406.125,"end":1406.285,"sentiment":"positive","sentiment_score":0.47454625368118286},{"text":"Thank","start":1406.285,"end":1406.4451,"sentiment":"positive","sentiment_score":0.6425918340682983}],"sentiment":"positive","sentiment_score":0.5585690438747406,"channel":0,"num_words":2,"start":1406.125,"end":1406.4451},{"sentences":[{"text":"See","start":1406.395,"end":1406.875,"sentiment":"positive","sentiment_score":0.6898161172866821}],"sentiment":"positive","sentiment_score":0.6898161172866821,"channel":1,"num_words":1,"start":1406.395,"end":1406.875},{"sentences":[{"text":"you so much.","start":1406.4451,"end":1407.265,"sentiment":"positive","sentiment_score":0.7255368034044901}],"sentiment":"positive","sentiment_score":0.7255368034044901,"channel":0,"num_words":3,"start":1406.4451,"end":1407.265},{"sentences":[{"text":"you.","start":1406.875,"end":1407.375,"sentiment":"positive","sentiment_score":0.4559049904346466}],"sentiment":"positive","sentiment_score":0.4559049904346466,"channel":1,"num_words":1,"start":1406.875,"end":1407.375},{"sentences":[{"text":"Bye.","start":1409.165,"end":1409.665,"sentiment":"neutral","sentiment_score":-0.11348368972539902}],"sentiment":"neutral","sentiment_score":-0.11348368972539902,"channel":0,"num_words":1,"start":1409.165,"end":1409.665}]},"summary":{"result":"success","short":"During a call with a representative from Oakview Financial senior adviser, the customer, Carl, provided personal information and discussed his financial situation, including his home loan and assets. The agent suggested speaking to a lawyer for a will and provided answers to his questions. They also discussed risk levels and beneficiaries for the super program, with the agent providing answers and reminders to fill out a form. The conversation also covered risk levels and fees for a growth portfolio and retirement plans, and the importance of reducing risk levels and fees to improve contributions and avoid unnecessary expenses. Finally, the agent provided information on the process for updating service agreements and sending beneficiary forms via email."},"intents":{"segments":[{"text":"Do you mind if I go through and update a few details with you while you're driving? Yeah.","start_word":97,"end_word":114,"intents":[{"intent":"Update details","confidence_score":0.10256032}]},{"text":"Do you mind if I go through and update a few details with you while you're driving? Yeah. That's fine. Yeah. Yeah. Perfect, mate. So I've got a bit of an annual review pack to send through to your email. Before I do that, could you just confirm your date of birth and address for security for me, Carl? Yes.","start_word":97,"end_word":156,"intents":[{"intent":"Confirm details","confidence_score":0.02286109}]},{"text":"So I've got a bit of an annual review pack to send through to your email. Before I do that, could you just confirm your date of birth and address for security for me, Carl? Yes.","start_word":121,"end_word":156,"intents":[{"intent":"Send annual review pack","confidence_score":0.35088074}]},{"text":"Twenty second of the fourth nineteen sixty nine. Yep.","start_word":157,"end_word":165,"intents":[{"intent":"Confirm phone number","confidence_score":0.006174087}]},{"text":"Twenty second of the fourth nineteen sixty nine. Yep. My address is 7 Essence Boulevard, Mattingly, Victoria. Fantastic.","start_word":157,"end_word":174,"intents":[{"intent":"Provide phone number","confidence_score":0.00261486}]},{"text":"My address is 7 Essence Boulevard, Mattingly, Victoria. Fantastic.","start_word":166,"end_word":174,"intents":[{"intent":"Confirm address","confidence_score":0.22615555},{"intent":"Provide address","confidence_score":0.03953357}]},{"text":"Thank you for that, mate. And you okay for the call to be recorded? Yeah.","start_word":175,"end_word":189,"intents":[{"intent":"Confirm call recording","confidence_score":0.12953748},{"intent":"Provide caller's number","confidence_score":0.000017266027}]},{"text":"So I'm gonna pop this through. I know you're driving, so I'm just gonna make sure this is through to your email address. I'm assuming your y seven mail is still okay?","start_word":195,"end_word":226,"intents":[{"intent":"Confirm email","confidence_score":0.06080358}]},{"text":"Now in particular, is there anything you would like me to focus on for this review? Anything in particular you're hoping to get out of this conversation?","start_word":292,"end_word":318,"intents":[{"intent":"Discuss personal goals","confidence_score":0.00017632925}]},{"text":"Just make sure the details match if that's alright.","start_word":378,"end_word":386,"intents":[{"intent":"Confirm details","confidence_score":0.08283396}]},{"text":"So we've got phone, email, and address is all correct. We had you married with two children and electrician for DP World. Yes.","start_word":390,"end_word":412,"intents":[{"intent":"Obtain additional information","confidence_score":0.000015443356},{"intent":"Provide personal information","confidence_score":0.052854415}]},{"text":"So we've got phone, email, and address is all correct. We had you married with two children and electrician for DP World. Yes. Yes. Now I'm assuming I based on the contributions I'm seeing that your income's probably gone up to about 200,000 for the year. Does that sound about right? think probably it's yes.","start_word":390,"end_word":444,"intents":[{"intent":"Confirm understanding","confidence_score":0.010884617}]},{"text":"We had you married with two children and electrician for DP World.","start_word":400,"end_word":411,"intents":[{"intent":"Confirm marriage details","confidence_score":0.010704791}]},{"text":"Now I'm assuming I based on the contributions I'm seeing that your income's probably gone up to about 200,000 for the year. Does that sound about right?","start_word":414,"end_word":440,"intents":[{"intent":"Inquire about income range","confidence_score":0.003803813},{"intent":"Confirm income","confidence_score":0.0029454008}]},{"text":"And the only other thing I wanted to quickly check with you just in terms of assets and liabilities, Cole, we had your home, Yes. two cars, an offset account, and a home in Samoa. Now with the home, we had you owing about 305,000 at the time, and that was a pretty big focus for you to pay off. Have you put a chunk out of that so far? Yes. Listen.","start_word":479,"end_word":550,"intents":[{"intent":"Check with speaker","confidence_score":0.019588783}]},{"text":"And now you've got a few more rentals to go? Or No.","start_word":607,"end_word":618,"intents":[{"intent":"Express interest in additional rentals","confidence_score":0.00037179174}]},{"text":"And I'm gonna get a bit of an updated online valuation here because the market's changed a little bit. Not so Yep.","start_word":630,"end_word":651,"intents":[{"intent":"Obtain update on valuation","confidence_score":0.000052603795}]},{"text":"Well, I I got evaluation done probably two months ago. They were saying 7 to $7.50. So, yes, I would say you're probably right. $7.15, $7.20, something like Perfect. Thank you for that.","start_word":667,"end_word":699,"intents":[{"intent":"Offer evaluation","confidence_score":0.008913379}]},{"text":"The one thing I wanted to sort out for you today as well was just in terms of beneficiaries for the super.","start_word":1064,"end_word":1085,"intents":[{"intent":"Inquire about super beneficiaries","confidence_score":0.04869396}]},{"text":"The one thing I wanted to sort out for you today as well was just in terms of beneficiaries for the super. Because once we moved you across from Netwealth into the hub, I just wanna make sure that that's been put in place. I'm Yep.","start_word":1064,"end_word":1109,"intents":[{"intent":"Explain process","confidence_score":0.000054911266}]},{"text":"At what at what age do kids do your kids need to be to to include them in the will?","start_word":1150,"end_word":1169,"intents":[{"intent":"Inquire about super age","confidence_score":0.19897525}]},{"text":"So it's a bit easier to go to, like, a spouse because then it's all kind of tax free. Whereas Yes.","start_word":1226,"end_word":1246,"intents":[{"intent":"Ask about tax-free nomination","confidence_score":0.002675577}]},{"text":"And do you want it to expire every three years or just have it continuous until you change it?","start_word":1326,"end_word":1344,"intents":[{"intent":"Inquire about super expiration","confidence_score":0.012644041}]},{"text":"Now when it comes to the super day call, do you usually log in and check-in Netwealth or your hub away, or do you usually just wait for the reviews? No.","start_word":1383,"end_word":1413,"intents":[{"intent":"Discuss super day call login","confidence_score":0.000005974195}]},{"text":"So one thing in terms of risk level, because I had you with retiring around age 60, you hit your preservation age. You're wanting to retire pretty early. Does that sound right? Yes.","start_word":1601,"end_word":1633,"intents":[{"intent":"Discuss portfolio goals and risk level","confidence_score":0.0000038473263}]},{"text":"depends on how much you're wanting for that retirement income. Mhmm.","start_word":1852,"end_word":1862,"intents":[{"intent":"Discuss retirement income","confidence_score":0.1859837}]},{"text":"What So the question I've got is the mortgage, how close do you reckon you're gonna be to kind of knocking that out over the next few years? listen.","start_word":1863,"end_word":1891,"intents":[{"intent":"Determine mortgage age","confidence_score":0.0014657332},{"intent":"Determine bank payment rate","confidence_score":0.0000044905464}]},{"text":"So at at this point, I'm probably looking like if probably if I have another three years, just if that I'm not saying I will at 60, but if I'm looking at 60 and, you know, actually, say, three years for me roughly, well, or 61, whatever, if you if you could try and get to your 900 or whatever by then. Yep.","start_word":1911,"end_word":1973,"intents":[{"intent":"Determine future income","confidence_score":0.013126651}]},{"text":"If we're still possibly looking at that three or four, we might be cutting it a bit tight in terms of risk level. Yes.","start_word":2131,"end_word":2154,"intents":[{"intent":"Analyze financial decisions","confidence_score":0.000041397256}]},{"text":"So what I'm thinking is if I lower down the risk level a little bit, we could also maybe lower your investment fees. And there's, I think, out of the eight funds that you've got, one of them has not been doing so well. So if I do a bit of an engine tune up and switch that guy out, I could probably Yes. bump up the returns a little bit too. Okay.","start_word":2479,"end_word":2551,"intents":[{"intent":"Clarify financial plans","confidence_score":0.00003594741}]},{"text":"if you want, I can at least just model that and show you the difference that that makes over the next few years of doing that 200 a fortnight. Yes.","start_word":2970,"end_word":2999,"intents":[{"intent":"Comparing contributions","confidence_score":0.00070388155},{"intent":"Comparing costs","confidence_score":0.047511607}]},{"text":"So I will get the team to research that and put together an updated plan. I'm gonna do a bit of a retirement analysis to show you kind of once you pay off the mortgage, how long the funds are gonna last based on that thousand to 1,500 a week after tax. Yes.","start_word":3091,"end_word":3143,"intents":[{"intent":"Updating plans","confidence_score":0.00056115194}]},{"text":"I'm gonna do a bit of a retirement analysis to show you kind of once you pay off the mortgage, how long the funds are gonna last based on that thousand to 1,500 a week after tax. Yes. Okay.","start_word":3106,"end_word":3144,"intents":[{"intent":"Discussing retirement analysis","confidence_score":0.10995401}]},{"text":"Well, that's my job, mate, is to guide you nice and safely into port for the next few years and then send you away within a low half flowers around your neck, and you can send us some photos back.","start_word":3199,"end_word":3238,"intents":[{"intent":"Guide passengers safely","confidence_score":0.001881691}]},{"text":"And that'll clear the mortgage. It'll have a whole bunch left over. Like, you use insurance to cover the deficit of the assets that you don't have. Now that you've got the assets, do you need it? Yes.","start_word":3546,"end_word":3583,"intents":[{"intent":"Clarify mortgage details and fees","confidence_score":0.0001587865}]},{"text":"And you can get a policy for everything these days. Yeah.","start_word":3633,"end_word":3643,"intents":[{"intent":"Provide policy","confidence_score":0.085969456}]},{"text":"the guides and legal documents written up. Tell me.","start_word":3796,"end_word":3804,"intents":[{"intent":"Provide guide and legal documents","confidence_score":0.0029134783}]},{"text":"Anything else I can help you with before I let you enjoy your day picking up your daughter? No.","start_word":3816,"end_word":3834,"intents":[{"intent":"Provide additional assistance","confidence_score":0.00085059705}]},{"text":"Appreciate your call and your help. You yes.","start_word":3838,"end_word":3845,"intents":[{"intent":"Express gratitude","confidence_score":0.03225246}]},{"text":"I'll put together a nice, beautiful plan for you. We'll get everything kind of moving smoothly in towards that port.","start_word":3903,"end_word":3922,"intents":[{"intent":"Streamline plan development","confidence_score":0.0004676366}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.07550719380378723},{"text":"Good day, Colin.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.3685952425003052},{"text":"Tommy here from Oakview Financial senior adviser. How are you doing? Hi. Who's outside Tommy? Yeah. It's Tommy. How are you doing? I don't tell me. Sorry, Tommy. I'm in the car at the moment, so I'm hands free in case I'm difficult to hear. Mate, I can hear you loud and clear. How am I coming on Three. your end? Yeah. No. That's fine. I'm just picking up my daughter from school, and I'll be I'll I'll go on to normal phone in about ten ten minutes or so. Okay. No worries. Do you mind if I go through and update a few details with you while you're driving? Yeah. That's fine. Yeah. Yeah.","start_word":4,"end_word":118,"sentiment":"neutral","sentiment_score":0.06089325621724129},{"text":"Perfect, mate.","start_word":119,"end_word":120,"sentiment":"positive","sentiment_score":0.4849291741847992},{"text":"So I've got a bit of an annual review pack to send through to your email. Before I do that, could you just confirm your date of birth and address for security for me, Carl? Yes. Twenty second of the fourth nineteen sixty nine. Yep. My address is 7 Essence Boulevard, Mattingly, Victoria.","start_word":121,"end_word":173,"sentiment":"neutral","sentiment_score":0.12470150738954544},{"text":"Fantastic. Thank you for that, mate.","start_word":174,"end_word":179,"sentiment":"positive","sentiment_score":0.6127843856811523},{"text":"And you okay for the call to be recorded? Yeah. That's fine. Yeah.","start_word":180,"end_word":192,"sentiment":"neutral","sentiment_score":0.14542090892791748},{"text":"Amazing. Amazing.","start_word":193,"end_word":194,"sentiment":"positive","sentiment_score":0.4196738004684448},{"text":"So I'm gonna pop this through. I know you're driving, so I'm just gonna make sure this is through to your email address. I'm assuming your y seven mail is still okay? Yes. That's it. Yep. Perfect. So what's coming through to you today is just a bit of an updated report from your hub twenty four. They've got a bit more of a fancier report these days, but easier on the eyes than the old ones. And we've got some updated financial services guides and agreements for Oakview as well there, mate. Okay? Yes. Uh-huh. Cool. Now in particular, is there anything you would like me to focus on for this review? Anything in particular you're hoping to get out of this conversation? No. Listen. You've been pretty good throughout the years, so just go ahead with what you have. And if I if I think of anything, I'll fire back at you.","start_word":195,"end_word":348,"sentiment":"neutral","sentiment_score":0.1497749239206314},{"text":"Fantastic.","start_word":349,"end_word":349,"sentiment":"positive","sentiment_score":0.7408673763275146},{"text":"So just while I've got you in the car, I'm gonna go through a couple details because we've got a new system now custom built for us. Yeah. Just make sure the details match if that's alright. Okay. Yes.","start_word":350,"end_word":388,"sentiment":"neutral","sentiment_score":0.13227148354053497},{"text":"Perfect.","start_word":389,"end_word":389,"sentiment":"positive","sentiment_score":0.4538341760635376},{"text":"So we've got phone, email, and address is all correct. We had you married with two children and electrician for DP World. Yes. Yes. Now I'm assuming I based on the contributions I'm seeing that your income's probably gone up to about 200,000 for the year. Does that sound about right? think probably it's yes. Probably a little bit short of that, but round about $2.02 90 or or sorry, $1.90 or $1.90 something. Yep. Okay. I'll go for $1.90 to be a bit conservative to start with. Sensational. And the only other thing I wanted to quickly check with you just in terms of assets and liabilities, Cole, we had your home, Yes. two cars, an offset account, and a home in Samoa. Now with the home, we had you owing about 305,000 at the time, and that was a pretty big focus for you to pay off. Have you put a chunk out of that so far? Yes. Listen. To be to to be honest, Tommy, I'm probably in around the 300 and that because I did use a bit. I've done a bit of renovation in the house this year. I put new doors in, new floors in, bits and pieces. So I'm probably sitting on the home loan around about 300 approximately. Awesome. And now you've got a few more rentals to go? Or No. That's that's me more or less finished now. oh, perfect. Okay. And I'm gonna get a bit of an updated online valuation here because the market's changed a little bit. Not so Yep. much out your way, but they're they're still saying around about that 715,000 mark. Yes. Well, I I got evaluation done probably two months ago. They were saying 7 to $7.50. So, yes, I would say you're probably right. $7.15, $7.20, something like Perfect.","start_word":390,"end_word":695,"sentiment":"neutral","sentiment_score":0.03201133757829666},{"text":"Thank you for that.","start_word":696,"end_word":699,"sentiment":"positive","sentiment_score":0.5930315852165222},{"text":"Two cars. We had about 15,000 in the offset. Did you use most of that for the renos, or have you managed to build your savings? that. No. I've I've probably about 9 on that at the moment. Yep. Sensational. And outside of the home in Samoa there, any other loans or assets you picked up since we last spoke to you? No. I did sell I did sell one of my vehicles, but then the one already I've still got two vehicles. Probably, I sold one of them. I have a novated lease vehicle through work and then a a u a u that I own, which is probably worth $3,538,000. So you've got one that's $3,538,000. I think we had a combined of two vehicles of about 60. Is the other one worth about 25? Yep. Yeah. Well, say the other the other one that is the other one I sold, but I have an ovation vehicle, which is probably about two years there's probably approximately two years in in lease of three years left in that, and then I own the other one. Yes. Okay.","start_word":700,"end_word":887,"sentiment":"neutral","sentiment_score":-0.012921483255922794},{"text":"That's perfect. Thank you for that.","start_word":888,"end_word":893,"sentiment":"positive","sentiment_score":0.5738284587860107},{"text":"Alrighty. And nothing else floating around, loans or assets? No. Amazing.","start_word":894,"end_word":904,"sentiment":"neutral","sentiment_score":0.06864690780639648},{"text":"Thank you heaps for that.","start_word":905,"end_word":909,"sentiment":"positive","sentiment_score":0.4085809290409088},{"text":"And, mate, did you get a end up getting, like, a will in place since we last spoke to you? No. To be honest, I did not know. No. That's fair enough, mate. It's usually in the back of people's minds, so yearly reminder at some I do point. I was speaking about it actually two weeks ago to a guy, and I Oh, said my yeah? wife would need to get her fingers right. So I I do need to pursue that. Definitely. Yeah. Cool. So if it's easy for you, because I know when you've got assets between countries, probably better off to talk to a lawyer as point number one. Yes. You've got the public trust in courthouse of the state can also do wills. And if you wanna go that way, you can get a kit from the post office for $25, but they're very basic. Okay. Right. Yes. Okay? The one thing I wanted to sort out for you today as well was just in terms of beneficiaries for the super. Because once we moved you across from Netwealth into the hub, I just wanna make sure that that's been put in place. I'm Yep. assuming you would you're trying to put your wife on there as the beneficiary for the super. Is that correct? Yeah. So I'm there. Just a just a question for you and not Tommy just for down the track. Yeah. At what at what age do kids do your kids need to be to to include them in the will? So kids in a will is at any point. Okay. When it comes to beneficiaries of your super, if you include Yep. someone who's under 18, then if they get the money, whoever's their guardian looks after the funds on their behalf. Okay. So the super end of it's when the when the turn 18. Okay. So it's a bit easier to go to, like, a spouse because then it's all kind of tax free. Whereas Yes. when they're over 18, they're no longer a tax dependent, so they cop a little bit on there. Okay. So just leave it as it is. That for my wife. Yeah. Okay. So I will have to send you out a form to get that witnessed for it to be Okay. on the hub. Is that okay? Yes. That's fine.","start_word":910,"end_word":1306,"sentiment":"neutral","sentiment_score":0.05717232714522095},{"text":"Yep. Cool. I'll get that all that prefilled for you. We'll do a nice clean binding legally binding nomination.","start_word":1307,"end_word":1325,"sentiment":"positive","sentiment_score":0.5020138025283813},{"text":"And do you want it to expire every three years or just have it continuous until you change it? Just continue until if I decide to change it. Yeah?","start_word":1326,"end_word":1354,"sentiment":"neutral","sentiment_score":0.11082953959703444},{"text":"Easy done.","start_word":1355,"end_word":1356,"sentiment":"positive","sentiment_score":0.5184262990951538},{"text":"Because that way I can kind of prefill most of the details for you, and then it's just Yep. getting it witnessed. Okay. Yep.","start_word":1357,"end_word":1380,"sentiment":"neutral","sentiment_score":0.30975142121315},{"text":"Fine. Beautiful.","start_word":1381,"end_word":1382,"sentiment":"positive","sentiment_score":0.6162588000297546},{"text":"Now when it comes to the super day call, do you usually log in and check-in Netwealth or your hub away, or do you usually just wait for the reviews? No. No. I would probably I wouldn't say every week, but probably once a month, I would have a look at it just to see how it's going.","start_word":1383,"end_word":1440,"sentiment":"neutral","sentiment_score":-0.0015891893156643572},{"text":"Perfect.","start_word":1441,"end_word":1441,"sentiment":"positive","sentiment_score":0.4967301487922669},{"text":"And do you tie kind of marry it up with whatever's going on in the news at the time? Or Well, you know yes. You know you know absolutely with the the the I I Iranian stuff and that going on, you know you're gonna get a hit. yeah. Absolutely. You've had a pretty good run of it, thankfully, because I know that the team puts you in a bit better of a portfolio when they switched you across the hub, so it hasn't gone into the negative like the previous one. It's Yes. still up. I think you you've gone from $683,000 to $7.33, including your contributions and your growth. So there's been about $30 worth of net growth on top of your contributions in there. So it's still growing, but Yes.","start_word":1442,"end_word":1574,"sentiment":"neutral","sentiment_score":0.11530685424804688},{"text":"it's definitely had a bit of a slow year compared to last year.","start_word":1575,"end_word":1587,"sentiment":"negative","sentiment_score":-0.41517871618270874},{"text":"Yes. Yes. Uh-huh. Perfect. Two things I wanted to talk to you about. So one thing in terms of risk level, because I had you with retiring around age 60, you hit your preservation age. You're wanting to retire pretty early. Does that sound right? Yes. Well, that would be my plan. Yeah? Absolutely. So I wanna have a little bit of a a careful talk about risk level because what's essentially gonna happen is you're in a growth portfolio. You're a four out of Yes. five at this point, Uh-huh. just above medium.","start_word":1588,"end_word":1681,"sentiment":"neutral","sentiment_score":0.002344605280086398},{"text":"Now growth portfolio is great. You get your nine to 12% average returns. We love that double digits are great.","start_word":1682,"end_word":1701,"sentiment":"positive","sentiment_score":0.468153178691864},{"text":"You're in your last period of getting that growth because each year, you could be 800,900 then a million all in a few years' time. Does that make sense? Yes. But Yes. at the same time, if the market crashes and the world explodes, I don't want you to drop down to 500,000 all of a sudden, and then you've got to wait another five years to retire. Do you know what I mean? Yes. Uh-huh. So I kinda call that the sequencing risk where it's like, it's all good to get the returns now, but if you're a day off retirement, you probably don't wanna be too high risk. Yes. So in terms of risk level, I was gonna talk to you about whether we stay growth or whether we just drop it down a peg into the middle, go a bit more medium with it, but it Yeah. depends on how much you're wanting for that retirement income. Mhmm. What So the question I've got is the mortgage, how close do you reckon you're gonna be to kind of knocking that out over the next few years? listen. Probably probably if I come to retirement, I would probably be using something to pay the mortgage off. Yep. So at at this point, I'm probably looking like if probably if I have another three years, just if that I'm not saying I will at 60, but if I'm looking at 60 and, you know, actually, say, three years for me roughly, well, or 61, whatever, if you if you could try and get to your 900 or whatever by then. Yep. Then that would be good. You can kind of finish Yeah. off the mortgage and have that left over to live off. Yes.","start_word":1702,"end_word":1996,"sentiment":"neutral","sentiment_score":-0.01859324213291984},{"text":"Perfect. Perfect.","start_word":1997,"end_word":1998,"sentiment":"positive","sentiment_score":0.4044056236743927},{"text":"So what that'll kind of do, let's say you get there and there's a well, let's say worst case scenario, you've still got a couple $100 owing on the mortgage and you hit a million and you trim 200 off, that Mhmm. Yep. 800,000 is gonna be paying you somewhere between 40 to 80,000 tax free, and that's, like, enough to go past life expectancy. So that thousand dollars a week, $1,500 a week, that kind of thing with the mortgage paid down. Yes. Yes. K. How's that sounding for you? Yeah. That's that's sort of where where I would like to be if possible. Yeah. Okay.","start_word":1999,"end_word":2105,"sentiment":"neutral","sentiment_score":0.08824542164802551},{"text":"Perfect.","start_word":2106,"end_word":2106,"sentiment":"positive","sentiment_score":0.3868290781974793},{"text":"Now when you're in a growth portfolio, I usually recommend that if you're if you're staring at more like seven to eight years. If we're still possibly looking at that three or four, we might be cutting it a bit tight in terms of risk level. Yes. Uh-huh. So what I wanted to talk to you about today so I'll give you a bit of an example. You've got about 24,000 going in in contributions before tax. Yes. So let's just say you've got $7.33, and you add in that sort of 19,000 after tax. And let's say you only get, like, a seven and a half percent return, like a medium balance Yes.","start_word":2107,"end_word":2220,"sentiment":"neutral","sentiment_score":0.08348901707090829},{"text":"one, that'll kinda get you more like a $9.50, $9.","start_word":2221,"end_word":2230,"sentiment":"positive","sentiment_score":0.38144025206565857},{"text":"60 mark. Yep. K? That's by taking a a lower level of risk than what you're currently doing. Yes. So whether you wanted to maybe just go down that one peg and then whether it's 60 or 61, we just kind of decide together when to pull the trigger based on, you know, when you get that last really good jump in the markets, you just take the Yes. winnings and kind of convert it over into a pension after that. Okay. Yes. So so probably, I'm saying, taking your honest advice, probably, as you're saying, I'm probably cheaper dropping the DynaPeg to a medium level risk. Yeah? Yeah. Yes. That's kind of what I would advise. Like, if it's the difference between a twelve month difference in retirement versus potentially having to wait four years for it to bounce back from a market crash, I would kind of be looking towards the former. Okay. Yes. Yeah. Well, that that's fair enough. Maybe we'll go with that. Yep. Okay. Cool. Again, we don't wanna get all this growth and lose it all at the end point, so I Yes. think that would be pretty prudent. Mhmm. At the same time, though, the other thing I wanted to do is we're looking at a few investments.","start_word":2230,"end_word":2444,"sentiment":"neutral","sentiment_score":0.159109964966774},{"text":"I've just gotten back talking to the investment committee and a few different seminars with some fund managers, and we've found some really good funds that are a little bit lower fees.","start_word":2445,"end_word":2476,"sentiment":"positive","sentiment_score":0.3796394169330597},{"text":"Mhmm. So what I'm thinking is if I lower down the risk level a little bit, we could also maybe lower your investment fees. And there's, I think, out of the eight funds that you've got, one of them has not been doing so well. So if I do a bit of an engine tune up and switch that guy out, I could probably Yes. bump up the returns a little bit too. Okay.","start_word":2477,"end_word":2550,"sentiment":"neutral","sentiment_score":0.07368225030399658},{"text":"Yeah. Perfect. So I can put that together as a bit of a updated projections for you and kind of show you what that retirement looks like.","start_word":2551,"end_word":2577,"sentiment":"positive","sentiment_score":0.6195806264877319},{"text":"Mhmm. Now in terms of the mortgages and the contributions, are you making any extra repayments on the mortgage or pulling funds in the offset, or is it just the standard monthly? No. It's just a it's a standard actually fortnightly. No. And I don't I don't pull funds on the offset notice. As as I said there, there's probably eight or nine grams sitting there, I think.","start_word":2578,"end_word":2645,"sentiment":"neutral","sentiment_score":-0.046400055289268494},{"text":"Perfect.","start_word":2646,"end_word":2646,"sentiment":"positive","sentiment_score":0.40011027455329895},{"text":"Do you know around about how much your fortnightly repayments are? Just so I can include that in the projections. Yes. Our fortnightly repayments are in around $1,700. Yep. Okay. That'll help me just project out what's gonna be Yes. left over on that liability for you. Yes. And in terms of the contributions, do you want me to model it on just what your employer's putting in? Are you looking at doing a bit of salary sacrifice? What's your thoughts on that side? That's not the thing too, Tommy, that that that I'd wonder about. To be honest with you, I used to I know I know the threshold's changed. I used to salary sacrifice. I can't remember exactly. It was probably a couple of $100 a pay, a fortnight. Now that was pre COVID. And then once I did my tax return, I actually owed the tax amount. It wasn't a lot of money, but I still owed You're them some right. money because I went over the threshold. That that was the issue. Now as you're saying there, Tommy, if what's the threshold now? Is it 32 or something you're allowed to contribute? Yeah. It's gone up to 32 and a half, which works out to be about $3.26 a fortnight for you. And whenever I do that, I like to go a bit more conservative with it. Mhmm. So You see safely, 300 a fortnight or less. okay. So what what I what I might do then, Tom, talking about this then, I might actually get on to my pay office and maybe just thinking probably maybe deduct an extra $200 a fortnight into my super. Okay. Alright. Now just so your own like, I know you've done it before, but that Mhmm. 200, if we go off the standard kind of tax thing, probably costs you about 140 in the hand for that Yes. pretax contribution. So Mhmm. if you want, I can at least just model that and show you the difference that that makes over the next few years of doing that 200 a fortnight. Yes. That's fine. Yes. Because, actually, I've I've I've spoken about this in recent in recent times. Yep.","start_word":2647,"end_word":3016,"sentiment":"neutral","sentiment_score":0.04876514356583357},{"text":"Alrighty. So I'll mix that in. That's looking pretty good too. So the aim of the game basically is I wanna drop down the risk level a little bit, drop down the fees a little bit, improve the contributions, and switch out some of the investments that aren't doing as well as the other ones, and that should get you a really good outcome for the next few years.","start_word":3017,"end_word":3085,"sentiment":"positive","sentiment_score":0.44605013728141785},{"text":"Okay.","start_word":3086,"end_word":3086,"sentiment":"neutral","sentiment_score":0.31753772497177124},{"text":"Yes. Yep. Brilliant. Perfect. So I will get the team to research that and put together an updated plan.","start_word":3087,"end_word":3105,"sentiment":"positive","sentiment_score":0.5103277564048767},{"text":"I'm gonna do a bit of a retirement analysis to show you kind of once you pay off the mortgage, how long the funds are gonna last based on that thousand to 1,500 a week after tax. Yes. Okay. Yep. Alrighty. Any questions on that so far? I know I'm still gonna put the plan together, but do you like what what we're leaning towards? No. Yes. You're you're helping me out here, but you're bringing up a lot of things that I've had in the back of my head recently. Yeah?","start_word":3106,"end_word":3197,"sentiment":"neutral","sentiment_score":0.1274617725841539},{"text":"Perfect.","start_word":3198,"end_word":3198,"sentiment":"positive","sentiment_score":0.5711023807525635},{"text":"Well, that's my job, mate, is to guide you nice and safely into port for the next few years and then send you away within a low half flowers around your neck, and you can send us some photos back. Well, that's my aim to get out of the port. I'll work in the port. Oh, no. That's right. Yep.","start_word":3199,"end_word":3258,"sentiment":"neutral","sentiment_score":0.15500906109809875},{"text":"You are in the port. That's fantastic. I didn't mean that pun, but worked out pretty well.","start_word":3259,"end_word":3275,"sentiment":"positive","sentiment_score":0.4988133907318115},{"text":"Yep. Alrighty. So, mate, anything else that I can do for you today? No. No. You've just you've been good, Tommy. So what what what way working this? You're gonna put this together. Do you reckon I just go ahead with the pay office and put this structure in place for an extra $200 a fortnight? I just go ahead and do that. Yep. You can do that, but as an adviser, I have to advise you to wait until you see the document first because it's kind of that wants you Yep. to implement the advice before I've Yep. shown you. But if you feel confident and safe that you've done it before, Yep. by all means. Well, by your figures, that's that'll be able to tell me what way I am without doing that or what way I am not doing it, you know, doing it or not doing it. Yeah. Yep. And see if it's worth it in terms of an Yes. impact to to bother. Yep. Okay. Amazing. I know there's probably not any need to do anything insurance wise. Just wanted to ask the question if you were wanting me to look at anything insurances wise or just focus on the retirement. No. I think down the track many years ago when when I started with you guys, when I was had a lot of car of sport in SwissBV, Yep. and he advised me back then probably just leave the insurances alone because at the end of the day, if something happens, your spouse is going to get your your super anyway. Yeah. And that'll clear the mortgage. It'll have a whole bunch left over. Like, you use insurance to cover the deficit of the assets that you don't have. Now that you've got the assets, do you need it? Yes. Yes. That's right. Yep. And the last thing you probably want is another $10,000 coming out of your super and additional fees for something Yep. that you don't necessarily need. That's true, Tommy. But at the end of the day, we pay that much insurance for everything. You know? Yeah. And you can get a policy for everything these days.","start_word":3276,"end_word":3642,"sentiment":"neutral","sentiment_score":0.04186512137019667},{"text":"Yeah. Absolutely. So between the wills, the beneficiaries, the portfolio, and everything, that's all looking pretty good.","start_word":3643,"end_word":3659,"sentiment":"positive","sentiment_score":0.56187903881073},{"text":"Alrighty. Outside of that, inside that pack I've sent you, it's just got the updated service agreement to remain advisers on hub twenty four if you're still comfortable with the services. Just Yes. bear in mind two little things. First of all, you are well and truly above our cap, which is 600,000 in terms of the fees. So the 1.65% caps at 600,000. You're well and truly above that, so it's flat at this point. Next year, Colin, we are bringing in tiered fee structures. So for everyone above 200,000, we're gonna start dropping and giving some percentage discounts to everybody. Okay. So I'll leave that as the current agreement for the twelve months, but next time I speak to you after that, we'll go through that new update once we've got all the Okay. the guides and legal documents written up. Tell me. Yep.","start_word":3660,"end_word":3805,"sentiment":"neutral","sentiment_score":0.10072941333055496},{"text":"Perfect. Alright. That's pretty much everything I needed so far.","start_word":3806,"end_word":3815,"sentiment":"positive","sentiment_score":0.4308931827545166},{"text":"Anything else I can help you with before I let you enjoy your day picking up your daughter? No. No. Thanks. No.","start_word":3816,"end_word":3837,"sentiment":"neutral","sentiment_score":0.17655782401561737},{"text":"Appreciate your call and your help.","start_word":3838,"end_word":3843,"sentiment":"positive","sentiment_score":0.3792407810688019},{"text":"You yes.","start_word":3844,"end_word":3845,"sentiment":"neutral","sentiment_score":0.25719743967056274},{"text":"Appreciate it, miss Beanie.","start_word":3846,"end_word":3849,"sentiment":"positive","sentiment_score":0.3713804185390472},{"text":"You say you've jogged my memory a bit because you put things in the back burner and then you forget about them. Yeah. That's half our job, Colton.","start_word":3850,"end_word":3877,"sentiment":"neutral","sentiment_score":0.10048401355743408},{"text":"It's just good reminder and just to get that little bit of movement going where people otherwise wouldn't.","start_word":3878,"end_word":3895,"sentiment":"positive","sentiment_score":0.3463688790798187},{"text":"Yeah. But leave it with me.","start_word":3896,"end_word":3901,"sentiment":"neutral","sentiment_score":0.03892318904399872},{"text":"I'll put together a nice, beautiful plan for you. We'll get everything kind of moving smoothly in towards that port. And like I said, drop the risk down, drop the fees, get the performance up a little bit, and you should be having a good few years.","start_word":3902,"end_word":3948,"sentiment":"positive","sentiment_score":0.7353058457374573},{"text":"The only warning I'm gonna give you is the same one I'll give you when we go through the document is sometime over the next few years, the market is probably gonna have a bit of a dive again. We kind Yes. of expect that with what's currently going on, but Yeah. Yeah. Uh-huh. I'm factoring in that we can still get you there even once it bounces back after that. Yes. Fair enough. Cool. So the main thing is, again, I don't want you dropping down $250,000 in a single year because we've left you in too high risk for too long. Yes. Okay. Fair enough. Yep. Cool. Outside of that, mate, I probably need a couple of weeks. I've just gotten back from paternity leave, so I've booked out at the moment. Yes. But are you okay if the team reaches out in a fortnight and just gets you booked in to go through that plan with me? You know, that's fine. Tell me. Yeah. Uh-huh.","start_word":3949,"end_word":4116,"sentiment":"neutral","sentiment_score":-0.03838973119854927},{"text":"Perfect. Perfect. Perfect.","start_word":4117,"end_word":4119,"sentiment":"positive","sentiment_score":0.4274458885192871},{"text":"If there's anything else we need, we will reach out. But outside of that, we'll send you those beneficiary forms. Colin, do you have access to a a printer to print out the forms, or do you want me to post them with a return envelope? Well, it's easier. I can know if you send them to me via email. Yes. I can print them out at home. No problem. Yeah. Easy done. And I'll prefill them in with that binding nonlapsing nomination to your spouse there. Do you want me to put in her details as well in terms of date of birth and everything? Or Yep. Yes. Have you got all those details or do you need them off me now? the only one I don't have is the date of birth. It's the twenty ninth of the eleventh nineteen eighty four. 1984. So we've got MacNeil, 11/29/1984. And middle name? No. No middle name. No. No Just middle name. La Portia. Yeah. Uh-huh.","start_word":4120,"end_word":4285,"sentiment":"neutral","sentiment_score":0.07191481872136335},{"text":"Perfect. Alrighty.","start_word":4286,"end_word":4287,"sentiment":"positive","sentiment_score":0.4806677997112274},{"text":"Yeah.","start_word":4288,"end_word":4288,"sentiment":"neutral","sentiment_score":0.3287809193134308},{"text":"I can get that prefilled.","start_word":4289,"end_word":4293,"sentiment":"positive","sentiment_score":0.34589824080467224},{"text":"No worries at all.","start_word":4294,"end_word":4297,"sentiment":"neutral","sentiment_score":0.2147475928068161},{"text":"Alright, Tommy. Thanks for your time. No worries. Thank you for yours, Colin, and I will speak to you in a couple of weeks.","start_word":4298,"end_word":4321,"sentiment":"positive","sentiment_score":0.5502662658691406},{"text":"Yes.","start_word":4322,"end_word":4322,"sentiment":"neutral","sentiment_score":0.3053857088088989},{"text":"Alright. Alrighty, man. Have a great Alright. day. Thank See you so much. you.","start_word":4323,"end_word":4336,"sentiment":"positive","sentiment_score":0.5521485209465027},{"text":"Bye.","start_word":4337,"end_word":4337,"sentiment":"neutral","sentiment_score":0.27465710043907166}],"average":{"sentiment":"neutral","sentiment_score":0.1006867677777494}}}}