{"metadata":{"transaction_key":"deprecated","request_id":"019e3dcf-f0f6-7261-b85b-a4610bde7551","sha256":"e5eb981f8468e28c6ab0bd65030602c09e541b7a42772894f85fef7de7671a4d","created":"2026-05-19T01:22:14.162Z","duration":974.95197,"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":3403,"output_tokens":125},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3616,"output_tokens":3624},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3616,"output_tokens":387}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning, Amy. This is Veronica from Oakview Financial. How are you? I'm good. Thank you. I had you booked in this morning. It is a pretty quick one. Just a bit of an update after I did some research on your super investments to see if we can improve things a little bit for you. Do you have a couple of minutes for me now? Yeah. Okay. Perfect. Now just before I do go any further, I do need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Perfect. That's exactly what I have here. Now, Emmy, do you remember the conversation we had for following your annual review a little while ago just in regards to me doing some research on your investments to see if we could swap some that was yeah. Perfect. Now do you have access to your emails at the moment? Okay. Perfect. Because what I have done is I have just sent you an email with the recommendation, and it just makes it a bit easier if you do have access to it at the same time as I do walk through it with you. Yeah. Yes, please. So if you click on the link where it says signature request, it will allow you to open up the documents first before it prompts you to sign anything. And let me know if you can see the cover page where it says statement of advice. Yeah. Sure. In the email as well. So yeah. No. That's okay. While I do wait for it to load, if you do go back to the email later, you will also see us send an attachment through the email, and that is just basically where the free search goes. Yeah. Okay. Perfect. Now it is pretty straightforward today. The document is 26 pages. I won't go through all of that with you because it is pretty straightforward, but a lot of it is just for compliance just to make sure you fully understand everything. But like I said, it is pretty straightforward today, so I'll tryna make it quick for you. Now every time we do make a recommendation on any products and make, financial personalized advice, we have to put everything in this statement of advice. Now it is tailored specifically for you as well, and it does expire on the twenty fourth of this month. So you have a couple of days to decide if you would like to go ahead, but just be mindful that it is expiring, soon. Okay? Yep. Now it has been prepared for by myself. You can also see my authorized representative number listed on the cover page there, and I am licensed under financial. Now on the second page, you will see best interest duty. Basically, just means that we have to act in your best interest at all time, and the advice itself has to put in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yep. Perfect. Now I'll kind of skip through. And if you can kind of keep scrolling with me, you will see a couple of pages talking about scope of advice. Basically, what that refers to is just the areas we are looking at today. So very simple, just focusing on your superannuation to make sure we can give you as much growth as possible. Not making any change to your insurances or anything else. Literally just your super today. So pretty straightforward. Now as you scroll through as well, you will see some a couple of pages about you, just some personal information, your assets and liabilities as well. And then you'll have your insurances again. I won't go through that with you because we kind of went through the during the annual review. It's just listed there for you so you have the information. And that then takes me to page 11, which shows your risk profile. Can you see where I'm at? Or page 10. Sorry. Yeah. Perfect. Now we did go through a couple of questions in regards to how you feel about risk and fluctuation during the annual review, and we're not making any changes. Keeping you in a high growth portfolio is very suitable for you. You still have plenty of time until retirement, so not making any changes to your level of risk or anything like that. Yep. Perfect. Now that then takes me to page 12. So it says at the top, strategy recommendation with pain hub twenty four. Can you see that? Yep. Perfect. So I did do some research on other super options for you as well, and I did consider everything just to make sure hub twenty four is still going to be the best option for you because there's always new products and features that comes out. So it is good to kind of reassess every now and then just to make sure. And all the time being, hub 24 still is very much competitive. It is competitive when it comes to prices and features and availability with investment. I do use hub 24 for my personal super as well. So for the time being, I have recommended staying hub twenty four is doing really good for you and literally just changing a couple of investments. Now what that actually looks like from a projection point of view, if you can scroll down because it's sometimes easier to look at this first to page 17, it should say the comparison table. Can you see that? Yep. Perfect. Now this is basically so a couple of the pages that you did scroll through, it just basically puts it all into Word, but I often find that looking at it here is sometimes a bit easier. So you can see your current position. You can see your total cost currently, and then you can also see the three year rolling average on your current portfolio. Now on the other side, you can see recommended. So like I said, I have recommended staying in hub twenty four literally just changing investments. So not changing insurances or contributions or anything like that, just your investment. And you can see by just taking the investment, the total cost is actually saving you about $474 in investment fees a lot, which I thought was pretty good. Yeah. Now I do also want to let you know we did obviously consider capital gains tax, wanting to minimize that as much as possible with the investment changes. And when we did do the research for at the time, there is no estimated capital gains tax, which is great. Now in terms of an investment return, you can see here that using the same three year rolling average, the new recommended portfolio has performed a little bit better at 17.32%. Does Does that all make sense so far? Perfect. Now if you scroll down one page for me, you can actually see I have this projected that forward for five and ten years to show you kind of, yeah, the compounding difference, which just shows you as well that just making a couple of changes, reducing fees a little bit, and improving those returns, it does make a pretty big difference when we're kind of compounding that forward for you. And you can also see I have included a bit more on the return, so I show you more so parents as well. So the twelve month period, which you can see is a pretty big difference. Obviously, three years is also improved, and then five years in the recommended. Now some of the investments in your current one, haven't been around for five years, so I couldn't give you the five year for that. So that's why we've used the three years as a comparison, But I just wanted to show you a little bit more as well on the recommended return set. All makes sense as far as well? Pretty straightforward? Yeah. Perfect. Now if you can scroll up for me to page 16, you should see a, like, a asset allocation table and a pie chart. Yep. Perfect. Now this just shows you your risk profile. So you can see in the second column, risk profile, aiming for that about nine to 10 allocation, existing, and then also the proposed. So you can see that both the existing and proposed are very much aligned with your risk profile. You do have a little bit more growth in the proposed. Still have some defensive, though, to limit those fluctuations. Makes sense? Yep. Beautiful. And what that actually looks like in terms of the investment changes for you is if you can scroll up to page 15. Yep. Now this might look a little bit messy, but what it basically shows you, it shows you all the investments. It also shows you your current weight in them. You can see that you have some in a couple, and then, like, the bottom one where it's zero, you don't have anything at the moment. What that looks like in terms of the balance and then the buy and sell column. So this is the one where everything that is in red is what we are selling. What is in black is either what we are keeping in your portfolio or then adding to your portfolio. Then you have the target weight, so what we are aiming for and what that looks like in terms of the dollar value. So, essentially, to try to summarize that for you, we are making a couple of changes. The investments of loss, everything stays the same. We are still aiming for that core satellite approach to investment where we do see majority of your funds invested in what we call your core investment. So one of that that's, like, your biggest shareholding. So you can see, for example, the 35% in the iShares S and P 500. We are still keeping that in your portfolio. It's doing really well, just increasing that exposure a little bit for you. You can then also see the 25% for beta shares Australia 200. Now this is the one we've kind of changed for that Benelon Australian equity that was underperforming a little bit. So we also want to make sure you have some exposure to the Australian market. We don't want everything just overseas. So 25% in this one, and that one basically invests in the 200 largest companies listed on the ASX. So here in Australia, you'll have all the companies like BHP and Woolworths. So all the kind of big Commonwealth or, like, the big companies. So still very diversified for you. The other investments we have switched out is what we call your satellite investments. Now these can be a little bit more volatile or fluctuate a little bit more, and that's why they only represent a smaller portion of your portfolio. The these are the ones that can give you the most amount of growth as well. So you can see we are still keeping gold in your portfolio as a defensive. It's doing really well, so you wanna keep that in your portfolio. We also have 5% in a fixed interest. Again, wanna make sure we have some defensive components to your portfolio. But, otherwise, in terms of the satellite investments, we have 9% invested in Europe. You can see see it there for you. So, again, very diversified all across Europe. You have 5% in Japan. Then you have 8% in Vanguard or World. You may have heard of Vanguard before. They're they're quite big. Yeah. Perfect. But this one here, it invests all around the world, but it does exclude The US because you already have exposures to The US market in that iShares S and P 500, and we don't want too much in one area either. Does that make sense? Yep. Perfect. And that is essentially the changes on the investments. So if you would like to go ahead and, you know, read a bit more on the investments as well, in that appendix I mentioned earlier sorry. In the attachment to the email, I have included investment link to these investments. So if it is that you do wanna go back and have a bit of a read over them, that is all in there for you. Now the the last thing I do wanna just touch on is the fee. So if you scroll down to page 21 for me, Yep. Perfect. So, basically, it just shows you the fee structure again. Now like I mentioned during the annual review, there is no changes whatsoever in regards to the fee structure. It stays reduced at that 1.1 from superannuation. No changes in regards to that. And I have also just included your premium. Now just for your reference as well, every time, with insurances, we do get commissions, and that is 22% ongoing. Now that is tile paying us, though. It is not you paying us, and it is the same for every single insurer provider, for every single adviser. So it doesn't sway us in, like, any way to recommend one provider over the other. But for compliances, we have to disclose any commissions we receive so that you are fully aware. Does that all make sense? Yep. Perfect. And that was essentially everything today, Emmy. So like I said, pretty straightforward, keeping you in Hub 24, just changing some of those investments around, reducing those fees a little bit, and improving the returns. No estimate of capital gains, which is good. Do you have any questions, or what are your thoughts on this? Yes. Of course. Yeah. Nope. There should be one there. But if you can't, I can just email it through you if you want. I can just email you a PDF version. Yep. Perfect. I'll attach the appendix as well just if if you can't see it. Now then, obviously, take some time. Have a bit of a read over it. If you have any questions at all, just give me a call. If you do read through it and it all makes sense and you are happy with the recommendation to move forward, you would then be where you are currently. It will then ask you to add exactly once you've signed it and validated, it will send it back to me. I'll get notified that you want to go ahead, and we can put all that in force for you. But you do have a couple of more days to obviously have a read over everything. Make sure you are happy before signing anything. Just note that it does expire on Sunday. So you do have this week. Just be mindful. Okay. Perfect. I will send you that email in the next couple of minutes so that you have it handy. But do you have any other questions before I let you go, by the way? No. Okay. Perfect. Well, thank you so much for your time today, Emmy. I will send that email to you, and let me know if you have any questions. No worries. We'll speak soon. Bye.","confidence":0.99902344,"words":[{"word":"good","start":4.64,"end":4.7999997,"confidence":0.9970703,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.38035982847213745},{"word":"morning","start":4.7999997,"end":5.12,"confidence":0.9543457,"punctuated_word":"morning,","sentiment":"positive","sentiment_score":0.42597827315330505},{"word":"amy","start":5.12,"end":5.44,"confidence":0.79467773,"punctuated_word":"Amy.","sentiment":"positive","sentiment_score":0.458480566740036},{"word":"this","start":5.44,"end":5.68,"confidence":1.0,"punctuated_word":"This","sentiment":"positive","sentiment_score":0.4325246512889862},{"word":"is","start":5.68,"end":5.8399997,"confidence":0.98095703,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.37197038531303406},{"word":"veronica","start":5.8399997,"end":6.24,"confidence":0.97802734,"punctuated_word":"Veronica","sentiment":"neutral","sentiment_score":0.32875025272369385},{"word":"from","start":6.24,"end":6.64,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.30134329199790955},{"word":"oakview","start":6.64,"end":7.12,"confidence":0.8586426,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.2967531085014343},{"word":"financial","start":7.12,"end":7.62,"confidence":0.99853516,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.2935224771499634},{"word":"how","start":7.7599998,"end":7.9199996,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.27943670749664307},{"word":"are","start":7.9199996,"end":8.0,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.23352253437042236},{"word":"you","start":8.0,"end":8.5,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.24833473563194275},{"word":"i'm","start":10.32,"end":10.719999,"confidence":0.93530273,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4720430374145508},{"word":"good","start":10.719999,"end":11.04,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5198737382888794},{"word":"thank","start":11.04,"end":11.36,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7304925918579102},{"word":"you","start":11.36,"end":11.86,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6335002779960632},{"word":"i","start":12.575001,"end":12.815001,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3818967640399933},{"word":"had","start":12.815001,"end":13.055,"confidence":0.9980469,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.37078773975372314},{"word":"you","start":13.055,"end":13.215,"confidence":0.99609375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3438095450401306},{"word":"booked","start":13.215,"end":13.535,"confidence":1.0,"punctuated_word":"booked","sentiment":"positive","sentiment_score":0.400337815284729},{"word":"in","start":13.535,"end":13.8550005,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4362393915653229},{"word":"this","start":13.8550005,"end":14.095,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.37712228298187256},{"word":"morning","start":14.095,"end":14.575001,"confidence":0.98535156,"punctuated_word":"morning.","sentiment":"positive","sentiment_score":0.40529584884643555},{"word":"it","start":14.735001,"end":14.895,"confidence":0.9970703,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5239588022232056},{"word":"is","start":14.895,"end":15.055,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5167712569236755},{"word":"a","start":15.055,"end":15.215,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5684444308280945},{"word":"pretty","start":15.215,"end":15.455,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5024313926696777},{"word":"quick","start":15.455,"end":15.775001,"confidence":1.0,"punctuated_word":"quick","sentiment":"positive","sentiment_score":0.5304836630821228},{"word":"one","start":15.775001,"end":16.095001,"confidence":0.7932129,"punctuated_word":"one.","sentiment":"positive","sentiment_score":0.4630787968635559},{"word":"just","start":16.095001,"end":16.415,"confidence":0.9980469,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.23569127917289737},{"word":"a","start":16.415,"end":16.495,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2279496788978577},{"word":"bit","start":16.495,"end":16.655,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20339365303516388},{"word":"of","start":16.655,"end":16.735,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1827734112739563},{"word":"an","start":16.735,"end":16.975,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.19744539260864255},{"word":"update","start":16.975,"end":17.455,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.2014649659395218},{"word":"after","start":17.455,"end":17.695,"confidence":0.99609375,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.18710072338581085},{"word":"i","start":17.695,"end":17.775,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2354200929403305},{"word":"did","start":17.775,"end":18.015,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.22225087881088257},{"word":"some","start":18.015,"end":18.255001,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.20267540216445923},{"word":"research","start":18.255001,"end":18.655,"confidence":1.0,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.23297831416130063},{"word":"on","start":18.655,"end":18.895,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.23033973574638367},{"word":"your","start":18.895,"end":19.375,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2551901340484619},{"word":"super","start":19.375,"end":19.775,"confidence":0.9941406,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2677915096282959},{"word":"investments","start":19.775,"end":20.275,"confidence":0.9326172,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.20332476496696472},{"word":"to","start":20.335,"end":20.494999,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1775379478931427},{"word":"see","start":20.494999,"end":20.654999,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.22782906889915464},{"word":"if","start":20.654999,"end":20.735,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2765153646469116},{"word":"we","start":20.735,"end":20.895,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.27462780475616455},{"word":"can","start":20.895,"end":21.135,"confidence":0.7519531,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.35124704241752625},{"word":"improve","start":21.135,"end":21.455,"confidence":1.0,"punctuated_word":"improve","sentiment":"neutral","sentiment_score":0.3178514838218689},{"word":"things","start":21.455,"end":21.775002,"confidence":0.99902344,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.4635932445526123},{"word":"a","start":21.775002,"end":21.855,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4018449187278747},{"word":"little","start":21.855,"end":22.095001,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.29889562726020813},{"word":"bit","start":22.095001,"end":22.415,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3675875067710877},{"word":"for","start":22.415,"end":22.654999,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.33319854736328125},{"word":"you","start":22.654999,"end":23.154999,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.25136974453926086},{"word":"do","start":23.375,"end":23.535,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.03953046351671219},{"word":"you","start":23.535,"end":23.695,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04499189555644989},{"word":"have","start":23.695,"end":23.855,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06218621134757995},{"word":"a","start":23.855,"end":24.015,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0608319453895092},{"word":"couple","start":24.015,"end":24.335,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.044057466089725494},{"word":"of","start":24.335,"end":24.494999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.022391553968191147},{"word":"minutes","start":24.494999,"end":24.814999,"confidence":1.0,"punctuated_word":"minutes","sentiment":"neutral","sentiment_score":0.03912309557199478},{"word":"for","start":24.814999,"end":25.055,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03502268344163895},{"word":"me","start":25.055,"end":25.215,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.04254123568534851},{"word":"now","start":25.215,"end":25.68,"confidence":1.0,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.04450274258852005},{"word":"yeah","start":26.880001,"end":27.2,"confidence":0.70336914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07630261778831482},{"word":"okay","start":27.2,"end":27.7,"confidence":0.98950195,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13865123689174652},{"word":"perfect","start":27.76,"end":28.26,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2903154492378235},{"word":"now","start":28.720001,"end":29.04,"confidence":0.9970703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.12238574773073196},{"word":"just","start":29.04,"end":29.28,"confidence":0.9873047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06250189244747162},{"word":"before","start":29.28,"end":29.52,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.04627988487482071},{"word":"i","start":29.52,"end":29.6,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06790421903133392},{"word":"do","start":29.6,"end":29.84,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06998343020677567},{"word":"go","start":29.84,"end":30.0,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07417679578065872},{"word":"any","start":30.0,"end":30.32,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.028794433921575543},{"word":"further","start":30.32,"end":30.720001,"confidence":0.9995117,"punctuated_word":"further,","sentiment":"neutral","sentiment_score":0.02090897038578987},{"word":"i","start":30.720001,"end":30.8,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.044653233140707016},{"word":"do","start":30.8,"end":31.04,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.021105099469423298},{"word":"need","start":31.04,"end":31.2,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.04415928199887276},{"word":"to","start":31.2,"end":31.44,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03612364083528519},{"word":"let","start":31.44,"end":31.6,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.03241633251309395},{"word":"you","start":31.6,"end":31.76,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02932643890380859},{"word":"know","start":31.76,"end":32.0,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.028068769723176956},{"word":"that","start":32.0,"end":32.16,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02585628628730774},{"word":"the","start":32.16,"end":32.32,"confidence":0.5073242,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021867256611585617},{"word":"calls","start":32.32,"end":32.64,"confidence":0.99902344,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.01738213747739792},{"word":"are","start":32.64,"end":32.8,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.018653951585292816},{"word":"being","start":32.8,"end":33.12,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.022399865090847015},{"word":"recorded","start":33.12,"end":33.6,"confidence":1.0,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":0.017923813313245773},{"word":"for","start":33.6,"end":33.760002,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.008046973496675491},{"word":"quality","start":33.760002,"end":34.16,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.020099442452192307},{"word":"and","start":34.16,"end":34.32,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01753789559006691},{"word":"coaching","start":34.32,"end":34.8,"confidence":1.0,"punctuated_word":"coaching","sentiment":"neutral","sentiment_score":0.04789384454488754},{"word":"purposes","start":34.8,"end":35.28,"confidence":0.81689453,"punctuated_word":"purposes,","sentiment":"neutral","sentiment_score":0.045331619679927826},{"word":"if","start":35.28,"end":35.440002,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06790515035390854},{"word":"that's","start":35.440002,"end":35.68,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.04649372026324272},{"word":"okay","start":35.68,"end":36.18,"confidence":0.7770996,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.061428263783454895},{"word":"perfect","start":38.175,"end":38.675,"confidence":0.99658203,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.1966017186641693},{"word":"and","start":39.215,"end":39.695,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09209683537483215},{"word":"just","start":39.695,"end":40.095,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06050980091094971},{"word":"for","start":40.095,"end":40.415,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05555876344442368},{"word":"security","start":40.415,"end":40.915,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.09651777148246764},{"word":"purposes","start":40.975,"end":41.475,"confidence":0.9746094,"punctuated_word":"purposes,","sentiment":"neutral","sentiment_score":0.12527740001678467},{"word":"just","start":41.535,"end":41.695,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09920179843902588},{"word":"so","start":41.695,"end":41.855,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.09438815712928772},{"word":"that","start":41.855,"end":42.015,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11593715846538544},{"word":"i","start":42.015,"end":42.095,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11695138365030287},{"word":"can","start":42.095,"end":42.255,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1097407191991806},{"word":"confirm","start":42.255,"end":42.655,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.13653342425823212},{"word":"i","start":42.655,"end":42.815,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13211190700531006},{"word":"am","start":42.815,"end":43.215,"confidence":0.99902344,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.11899110674858092},{"word":"speaking","start":43.215,"end":43.535,"confidence":0.9970703,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":0.13707734644412994},{"word":"with","start":43.535,"end":43.695,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10864967852830888},{"word":"the","start":43.695,"end":43.775,"confidence":0.9633789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1393007934093475},{"word":"right","start":43.775,"end":44.175,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.1746145337820053},{"word":"person","start":44.175,"end":44.675,"confidence":0.9880371,"punctuated_word":"person,","sentiment":"neutral","sentiment_score":0.15709960460662842},{"word":"could","start":44.815,"end":45.055,"confidence":0.9980469,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.16331806778907776},{"word":"i","start":45.055,"end":45.215,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1050652712583542},{"word":"just","start":45.215,"end":45.454998,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12051580101251602},{"word":"get","start":45.454998,"end":45.614998,"confidence":0.9970703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10471376031637192},{"word":"you","start":45.614998,"end":45.775,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10562338680028915},{"word":"to","start":45.775,"end":45.934998,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09550892561674118},{"word":"confirm","start":45.934998,"end":46.335,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.08120258152484894},{"word":"your","start":46.335,"end":46.575,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07837285846471786},{"word":"full","start":46.575,"end":46.815,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.10451024770736694},{"word":"name","start":46.815,"end":47.215,"confidence":0.99902344,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.07779509574174881},{"word":"date","start":47.215,"end":47.455,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.09266220778226852},{"word":"of","start":47.455,"end":47.614998,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08205604553222656},{"word":"birth","start":47.614998,"end":47.855,"confidence":0.9921875,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.09420618414878844},{"word":"and","start":47.855,"end":48.175,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0771011933684349},{"word":"address","start":48.175,"end":48.575,"confidence":0.9995117,"punctuated_word":"address,","sentiment":"neutral","sentiment_score":0.0734085738658905},{"word":"please","start":48.575,"end":49.075,"confidence":0.9970703,"punctuated_word":"please?","sentiment":"neutral","sentiment_score":0.06857384741306305},{"word":"perfect","start":59.07,"end":59.47,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4951053857803345},{"word":"that's","start":59.47,"end":59.79,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5276243686676025},{"word":"exactly","start":59.79,"end":60.269997,"confidence":1.0,"punctuated_word":"exactly","sentiment":"positive","sentiment_score":0.6024095416069031},{"word":"what","start":60.269997,"end":60.51,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.595779299736023},{"word":"i","start":60.51,"end":60.67,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5192205309867859},{"word":"have","start":60.67,"end":60.989998,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5179125666618347},{"word":"here","start":60.989998,"end":61.489998,"confidence":1.0,"punctuated_word":"here.","sentiment":"positive","sentiment_score":0.5532935857772827},{"word":"now","start":62.445,"end":62.685,"confidence":0.9484863,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.1413850635290146},{"word":"emmy","start":62.685,"end":63.185,"confidence":0.9616699,"punctuated_word":"Emmy,","sentiment":"neutral","sentiment_score":0.09099506586790083},{"word":"do","start":63.245,"end":63.405,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06262590736150742},{"word":"you","start":63.405,"end":63.645,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05851016193628311},{"word":"remember","start":63.645,"end":63.965,"confidence":1.0,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":0.05328697711229324},{"word":"the","start":63.965,"end":64.125,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05365709960460663},{"word":"conversation","start":64.125,"end":64.605,"confidence":1.0,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.06059351935982704},{"word":"we","start":64.605,"end":64.845,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0562664195895195},{"word":"had","start":64.845,"end":65.165,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.06217983365058899},{"word":"for","start":65.165,"end":65.485,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04851578921079635},{"word":"following","start":65.565,"end":65.885,"confidence":1.0,"punctuated_word":"following","sentiment":"neutral","sentiment_score":0.07357466965913773},{"word":"your","start":65.885,"end":66.125,"confidence":0.9838867,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11148431152105331},{"word":"annual","start":66.125,"end":66.445,"confidence":0.6904297,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.08715973794460297},{"word":"review","start":66.445,"end":66.604996,"confidence":0.9951172,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.08474787324666977},{"word":"a","start":66.604996,"end":66.765,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06315290927886963},{"word":"little","start":66.765,"end":67.085,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.05590539425611496},{"word":"while","start":67.085,"end":67.245,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.06594893336296082},{"word":"ago","start":67.245,"end":67.725,"confidence":1.0,"punctuated_word":"ago","sentiment":"neutral","sentiment_score":0.07778523117303848},{"word":"just","start":67.725,"end":67.885,"confidence":0.8745117,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0651351660490036},{"word":"in","start":67.885,"end":68.125,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.051857974380254745},{"word":"regards","start":68.125,"end":68.445,"confidence":0.98095703,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.046082474291324615},{"word":"to","start":68.445,"end":68.685,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05946243926882744},{"word":"me","start":68.685,"end":68.925,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.07463482767343521},{"word":"doing","start":68.925,"end":69.165,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.06878345459699631},{"word":"some","start":69.165,"end":69.405,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.06887776404619217},{"word":"research","start":69.405,"end":69.805,"confidence":1.0,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.05834525823593139},{"word":"on","start":69.805,"end":69.965,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0620642751455307},{"word":"your","start":69.965,"end":70.205,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06604239344596863},{"word":"investments","start":70.205,"end":70.705,"confidence":0.98828125,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.04017302393913269},{"word":"to","start":70.845,"end":70.925,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04317577928304672},{"word":"see","start":70.925,"end":71.085,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.05303248763084411},{"word":"if","start":71.085,"end":71.165,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04081384837627411},{"word":"we","start":71.165,"end":71.325,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03753814846277237},{"word":"could","start":71.325,"end":71.565,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.01992064341902733},{"word":"swap","start":71.565,"end":71.885,"confidence":0.8774414,"punctuated_word":"swap","sentiment":"neutral","sentiment_score":0.02867305837571621},{"word":"some","start":71.885,"end":72.045,"confidence":0.95947266,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.0001954939216375351},{"word":"that","start":72.045,"end":72.205,"confidence":0.80371094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02189154177904129},{"word":"was","start":72.205,"end":72.365,"confidence":0.90625,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.025583414360880852},{"word":"yeah","start":72.525,"end":72.845,"confidence":0.99560547,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07117767632007599},{"word":"perfect","start":72.845,"end":73.345,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.16456183791160583},{"word":"now","start":73.885,"end":74.125,"confidence":0.94189453,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.05740336328744888},{"word":"do","start":74.125,"end":74.285,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0362093523144722},{"word":"you","start":74.285,"end":74.365,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05387374758720398},{"word":"have","start":74.365,"end":74.525,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.051615022122859955},{"word":"access","start":74.525,"end":74.765,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.07031971216201782},{"word":"to","start":74.765,"end":74.925,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09101298451423644},{"word":"your","start":74.925,"end":75.085,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03943143039941788},{"word":"emails","start":75.085,"end":75.405,"confidence":0.9892578,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.06591197848320007},{"word":"at","start":75.405,"end":75.565,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.035818152129650116},{"word":"the","start":75.565,"end":75.645,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0581679493188858},{"word":"moment","start":75.645,"end":76.145,"confidence":1.0,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.06761838495731354},{"word":"okay","start":80.29,"end":80.61,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1794860064983368},{"word":"perfect","start":80.61,"end":81.01,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2871275842189789},{"word":"because","start":81.01,"end":81.33,"confidence":0.99316406,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.20929162204265592},{"word":"what","start":81.33,"end":81.49,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.19293572008609772},{"word":"i","start":81.49,"end":81.65,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19828709959983823},{"word":"have","start":81.65,"end":81.729996,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20215676724910736},{"word":"done","start":81.729996,"end":81.97,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.2355758100748062},{"word":"is","start":81.97,"end":82.21,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2159854769706726},{"word":"i","start":82.21,"end":82.369995,"confidence":0.97802734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2367035448551178},{"word":"have","start":82.369995,"end":82.53,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2079562544822693},{"word":"just","start":82.53,"end":82.69,"confidence":0.9716797,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22323139011859897},{"word":"sent","start":82.69,"end":82.85,"confidence":0.99902344,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.22114287316799164},{"word":"you","start":82.85,"end":83.01,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2606266736984253},{"word":"an","start":83.01,"end":83.25,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.23447507619857788},{"word":"email","start":83.25,"end":83.75,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.25116705894470215},{"word":"with","start":84.53,"end":84.85,"confidence":0.63134766,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.288478285074234},{"word":"the","start":84.85,"end":85.009995,"confidence":0.84716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26604071259498596},{"word":"recommendation","start":85.009995,"end":85.509995,"confidence":0.85717773,"punctuated_word":"recommendation,","sentiment":"neutral","sentiment_score":0.26462894678115845},{"word":"and","start":87.17,"end":87.33,"confidence":0.9604492,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2458675503730774},{"word":"it","start":87.33,"end":87.49,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2689225971698761},{"word":"just","start":87.49,"end":87.65,"confidence":0.97509766,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.30716755986213684},{"word":"makes","start":87.65,"end":87.89,"confidence":0.99902344,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.272341787815094},{"word":"it","start":87.89,"end":87.97,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.25219467282295227},{"word":"a","start":87.97,"end":88.13,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2871098518371582},{"word":"bit","start":88.13,"end":88.369995,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2621608376502991},{"word":"easier","start":88.369995,"end":88.69,"confidence":0.99902344,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.2760036885738373},{"word":"if","start":88.69,"end":88.85,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.270986944437027},{"word":"you","start":88.85,"end":89.009995,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21419358253479004},{"word":"do","start":89.009995,"end":89.09,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1825861781835556},{"word":"have","start":89.09,"end":89.33,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1576099693775177},{"word":"access","start":89.33,"end":89.729996,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.16666081547737122},{"word":"to","start":89.729996,"end":89.89,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2215011864900589},{"word":"it","start":89.89,"end":90.049995,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2107929289340973},{"word":"at","start":90.049995,"end":90.369995,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2080238163471222},{"word":"the","start":90.369995,"end":90.61,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2036992609500885},{"word":"same","start":90.61,"end":90.93,"confidence":0.9980469,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.22845488786697388},{"word":"time","start":90.93,"end":91.25,"confidence":0.9980469,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2331819087266922},{"word":"as","start":91.25,"end":91.49,"confidence":0.984375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2447340488433838},{"word":"i","start":91.49,"end":91.57,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17790231108665466},{"word":"do","start":91.57,"end":91.81,"confidence":0.98535156,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.165337473154068},{"word":"walk","start":91.81,"end":91.97,"confidence":0.99121094,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.20926588773727417},{"word":"through","start":91.97,"end":92.29,"confidence":0.9770508,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.23127023875713348},{"word":"it","start":92.29,"end":92.3975,"confidence":0.8671875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17475813627243042},{"word":"with","start":92.3975,"end":92.505,"confidence":0.92578125,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14137104153633118},{"word":"you","start":95.145,"end":95.645,"confidence":0.98999023,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.0761970579624176},{"word":"yeah","start":95.704994,"end":96.204994,"confidence":0.6888428,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09980641305446623},{"word":"yes","start":96.34499,"end":96.66499,"confidence":0.953125,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.11674924194812776},{"word":"please","start":96.66499,"end":97.145,"confidence":1.0,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.12828589975833893},{"word":"so","start":97.145,"end":97.305,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11825310438871384},{"word":"if","start":97.305,"end":97.465,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12369361519813538},{"word":"you","start":97.465,"end":97.704994,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10398080945014954},{"word":"click","start":97.704994,"end":98.024994,"confidence":0.7680664,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.1063028648495674},{"word":"on","start":98.024994,"end":98.185,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11132216453552246},{"word":"the","start":98.185,"end":98.34499,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1098603531718254},{"word":"link","start":98.34499,"end":98.744995,"confidence":1.0,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.1169528141617775},{"word":"where","start":98.744995,"end":98.985,"confidence":0.96240234,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.11113866418600082},{"word":"it","start":98.985,"end":99.064995,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10189364850521088},{"word":"says","start":99.064995,"end":99.384995,"confidence":0.9326172,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.12939544022083282},{"word":"signature","start":99.384995,"end":99.865,"confidence":0.9892578,"punctuated_word":"signature","sentiment":"neutral","sentiment_score":0.09034839272499084},{"word":"request","start":99.865,"end":100.365,"confidence":0.9902344,"punctuated_word":"request,","sentiment":"neutral","sentiment_score":0.1412549912929535},{"word":"it","start":101.305,"end":101.465,"confidence":0.75097656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1697961539030075},{"word":"will","start":101.465,"end":101.784996,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1831762343645096},{"word":"allow","start":101.784996,"end":102.024994,"confidence":1.0,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":0.20245133340358737},{"word":"you","start":102.024994,"end":102.185,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1804837137460709},{"word":"to","start":102.185,"end":102.424995,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16900940239429474},{"word":"open","start":102.424995,"end":102.825,"confidence":1.0,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.18699294328689575},{"word":"up","start":102.825,"end":102.985,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1797189712524414},{"word":"the","start":102.985,"end":103.145,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1530761420726776},{"word":"documents","start":103.145,"end":103.645,"confidence":0.78271484,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.15409596264362335},{"word":"first","start":103.865,"end":104.365,"confidence":0.9951172,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.16959480941295624},{"word":"before","start":104.424995,"end":104.66499,"confidence":0.99609375,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.16267351806163788},{"word":"it","start":104.66499,"end":104.825,"confidence":0.9614258,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16628944873809814},{"word":"prompts","start":104.825,"end":105.225,"confidence":0.9951172,"punctuated_word":"prompts","sentiment":"neutral","sentiment_score":0.19350042939186096},{"word":"you","start":105.225,"end":105.384995,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1837952733039856},{"word":"to","start":105.384995,"end":105.545,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16197724640369415},{"word":"sign","start":105.545,"end":105.784996,"confidence":0.99316406,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.0924438089132309},{"word":"anything","start":105.784996,"end":106.284996,"confidence":0.96875,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":0.1638660728931427},{"word":"and","start":118.53,"end":118.69,"confidence":0.7441406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11601239442825316},{"word":"let","start":118.69,"end":118.85,"confidence":0.9970703,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1362878382205963},{"word":"me","start":118.85,"end":119.09,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12284882366657256},{"word":"know","start":119.09,"end":119.25,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.12414801865816116},{"word":"if","start":119.25,"end":119.49,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1126895397901535},{"word":"you","start":119.49,"end":119.57,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09411093592643738},{"word":"can","start":119.57,"end":120.07,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08811305463314056},{"word":"see","start":120.61,"end":121.11,"confidence":0.77734375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1088462844491005},{"word":"the","start":121.33,"end":121.65,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07911673933267593},{"word":"cover","start":121.65,"end":122.049995,"confidence":0.9892578,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.06914738565683365},{"word":"page","start":122.049995,"end":122.505,"confidence":0.9980469,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.08260056376457214},{"word":"where","start":122.585,"end":122.665,"confidence":0.98535156,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.08965227752923965},{"word":"it","start":122.665,"end":122.905,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06411829590797424},{"word":"says","start":122.905,"end":123.145,"confidence":0.56884766,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.08624032884836197},{"word":"statement","start":123.145,"end":123.625,"confidence":0.98828125,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.09419313073158264},{"word":"of","start":123.625,"end":123.865,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.107685849070549},{"word":"advice","start":123.865,"end":124.365,"confidence":0.9760742,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.0916461944580078},{"word":"yeah","start":127.545,"end":127.865,"confidence":0.9562988,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10086553543806076},{"word":"sure","start":127.865,"end":128.36499,"confidence":0.99658203,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.10837630927562714},{"word":"in","start":135.56,"end":135.88,"confidence":0.59521484,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.07620527595281601},{"word":"the","start":135.88,"end":136.2,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07846847921609879},{"word":"email","start":136.2,"end":136.6,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.10297459363937378},{"word":"as","start":136.6,"end":136.84001,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09593436121940611},{"word":"well","start":136.84001,"end":137.34001,"confidence":0.9890137,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.09660425782203674},{"word":"so","start":138.68001,"end":139.18001,"confidence":0.82666016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05241962894797325},{"word":"yeah","start":143.24,"end":143.64,"confidence":0.9567871,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07026515156030655},{"word":"no","start":143.64,"end":143.8,"confidence":0.98291016,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.009040318429470062},{"word":"that's","start":143.8,"end":144.04001,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13536880910396576},{"word":"okay","start":144.04001,"end":144.44,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.09212559461593628},{"word":"while","start":144.44,"end":144.56,"confidence":0.8359375,"punctuated_word":"While","sentiment":"neutral","sentiment_score":0.08676938712596893},{"word":"i","start":144.56,"end":144.68001,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19675183296203613},{"word":"do","start":144.68001,"end":144.92,"confidence":0.99121094,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1895741969347},{"word":"wait","start":144.92,"end":145.08,"confidence":0.9980469,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.14977532625198364},{"word":"for","start":145.08,"end":145.24,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13159166276454926},{"word":"it","start":145.24,"end":145.40001,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11764713376760484},{"word":"to","start":145.40001,"end":145.56,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09588539600372314},{"word":"load","start":145.56,"end":146.06,"confidence":0.99194336,"punctuated_word":"load,","sentiment":"neutral","sentiment_score":0.09292174875736237},{"word":"if","start":146.28,"end":146.44,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13883382081985474},{"word":"you","start":146.44,"end":146.6,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12188224494457243},{"word":"do","start":146.6,"end":147.0,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10889364778995514},{"word":"go","start":147.0,"end":147.16,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10469258576631546},{"word":"back","start":147.16,"end":147.40001,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.12875574827194214},{"word":"to","start":147.40001,"end":147.56,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09910613298416138},{"word":"the","start":147.56,"end":147.72,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12712553143501282},{"word":"email","start":147.72,"end":148.04001,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.09999017417430878},{"word":"later","start":148.04001,"end":148.54001,"confidence":0.9980469,"punctuated_word":"later,","sentiment":"neutral","sentiment_score":0.10812998563051224},{"word":"you","start":148.99501,"end":149.235,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12970934808254242},{"word":"will","start":149.235,"end":149.395,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.12452086061239244},{"word":"also","start":149.395,"end":149.71501,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10124731808900832},{"word":"see","start":149.71501,"end":149.875,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11017540842294692},{"word":"us","start":149.875,"end":150.035,"confidence":0.5859375,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.11921949684619904},{"word":"send","start":150.035,"end":150.27501,"confidence":0.7651367,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.12035304307937622},{"word":"an","start":150.27501,"end":150.515,"confidence":0.9194336,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10683002322912216},{"word":"attachment","start":150.515,"end":151.015,"confidence":0.76464844,"punctuated_word":"attachment","sentiment":"neutral","sentiment_score":0.10355357825756072},{"word":"through","start":151.475,"end":151.71501,"confidence":0.55810547,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08844105899333954},{"word":"the","start":151.71501,"end":151.875,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13521789014339447},{"word":"email","start":151.875,"end":152.375,"confidence":0.92993164,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.11291684210300446},{"word":"and","start":152.435,"end":152.675,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1328720599412918},{"word":"that","start":152.675,"end":152.835,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13803306221961975},{"word":"is","start":152.835,"end":152.99501,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1128990203142166},{"word":"just","start":152.99501,"end":153.235,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11871866136789322},{"word":"basically","start":153.235,"end":153.71501,"confidence":0.9838867,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.1063450276851654},{"word":"where","start":153.71501,"end":153.875,"confidence":0.83447266,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.07753631472587585},{"word":"the","start":153.875,"end":154.035,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1558438539505005},{"word":"free","start":154.035,"end":154.35501,"confidence":0.9614258,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.16130293905735016},{"word":"search","start":154.35501,"end":154.595,"confidence":0.9892578,"punctuated_word":"search","sentiment":"neutral","sentiment_score":0.12067391723394394},{"word":"goes","start":154.595,"end":155.095,"confidence":0.99365234,"punctuated_word":"goes.","sentiment":"neutral","sentiment_score":0.13637934625148773},{"word":"yeah","start":156.91501,"end":157.41501,"confidence":0.8625488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0977729558944702},{"word":"okay","start":158.27501,"end":158.755,"confidence":0.9951172,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2626415491104126},{"word":"perfect","start":158.755,"end":159.255,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6228848695755005},{"word":"now","start":160.755,"end":160.91501,"confidence":0.90625,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.5548643469810486},{"word":"it","start":160.91501,"end":161.13,"confidence":0.9951172,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5950074195861816},{"word":"is","start":161.21,"end":161.37001,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5851642489433289},{"word":"pretty","start":161.37001,"end":161.61,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6294734477996826},{"word":"straightforward","start":161.61,"end":162.11,"confidence":0.99902344,"punctuated_word":"straightforward","sentiment":"positive","sentiment_score":0.534084677696228},{"word":"today","start":162.17,"end":162.57,"confidence":0.99365234,"punctuated_word":"today.","sentiment":"positive","sentiment_score":0.5304068326950073},{"word":"the","start":162.57,"end":162.81,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.2859889566898346},{"word":"document","start":162.81,"end":163.13,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.3147438168525696},{"word":"is","start":163.13,"end":163.37001,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2544671297073364},{"word":"26","start":163.37001,"end":163.93001,"confidence":1.0,"punctuated_word":"26","sentiment":"neutral","sentiment_score":0.2822926342487335},{"word":"pages","start":163.93001,"end":164.33,"confidence":0.9995117,"punctuated_word":"pages.","sentiment":"neutral","sentiment_score":0.2794893980026245},{"word":"i","start":164.33,"end":164.57,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3269634544849396},{"word":"won't","start":164.57,"end":164.81,"confidence":0.9941406,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.2594106197357178},{"word":"go","start":164.81,"end":165.05,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.24459393322467804},{"word":"through","start":165.05,"end":165.29001,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.24733345210552216},{"word":"all","start":165.29001,"end":165.37001,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.29309025406837463},{"word":"of","start":165.37001,"end":165.53,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28623414039611816},{"word":"that","start":165.53,"end":165.69,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2589895725250244},{"word":"with","start":165.69,"end":165.93001,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2441464066505432},{"word":"you","start":165.93001,"end":166.25,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.33901289105415344},{"word":"because","start":166.25,"end":166.65001,"confidence":0.8701172,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2557620406150818},{"word":"it","start":166.65001,"end":166.81,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3988521993160248},{"word":"is","start":166.81,"end":167.05,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4192105233669281},{"word":"pretty","start":167.05,"end":167.37001,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.463571161031723},{"word":"straightforward","start":167.37001,"end":167.87001,"confidence":0.94970703,"punctuated_word":"straightforward,","sentiment":"positive","sentiment_score":0.3953726291656494},{"word":"but","start":167.93001,"end":168.17,"confidence":1.0,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.3939236998558045},{"word":"a","start":168.17,"end":168.25,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3360089361667633},{"word":"lot","start":168.25,"end":168.41,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.341946005821228},{"word":"of","start":168.41,"end":168.57,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.31991711258888245},{"word":"it","start":168.57,"end":168.73001,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2998148202896118},{"word":"is","start":168.73001,"end":168.89,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.25316476821899414},{"word":"just","start":168.89,"end":169.05,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2712582051753998},{"word":"for","start":169.05,"end":169.29001,"confidence":0.53759766,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18768936395645144},{"word":"compliance","start":169.29001,"end":169.77,"confidence":0.9980469,"punctuated_word":"compliance","sentiment":"neutral","sentiment_score":0.32042038440704346},{"word":"just","start":169.77,"end":169.93001,"confidence":0.7973633,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3005666136741638},{"word":"to","start":169.93001,"end":170.17,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23700012266635895},{"word":"make","start":170.17,"end":170.33,"confidence":0.88720703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2747315466403961},{"word":"sure","start":170.33,"end":170.49,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2973327040672302},{"word":"you","start":170.49,"end":170.65001,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3608466982841492},{"word":"fully","start":170.65001,"end":171.05,"confidence":0.9970703,"punctuated_word":"fully","sentiment":"positive","sentiment_score":0.4012535512447357},{"word":"understand","start":171.05,"end":171.55,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.3318953812122345},{"word":"everything","start":171.69,"end":172.19,"confidence":0.9980469,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.28932732343673706},{"word":"but","start":172.49,"end":172.73001,"confidence":0.9970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.3299640417098999},{"word":"like","start":172.73001,"end":172.97,"confidence":0.90478516,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3471088707447052},{"word":"i","start":172.97,"end":173.05,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.39170247316360474},{"word":"said","start":173.05,"end":173.21,"confidence":1.0,"punctuated_word":"said,","sentiment":"positive","sentiment_score":0.4422016143798828},{"word":"it","start":173.21,"end":173.37001,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5258877277374268},{"word":"is","start":173.37001,"end":173.61,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.543876051902771},{"word":"pretty","start":173.61,"end":173.85,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.642794132232666},{"word":"straightforward","start":173.85,"end":174.35,"confidence":0.99902344,"punctuated_word":"straightforward","sentiment":"positive","sentiment_score":0.5989611148834229},{"word":"today","start":174.41,"end":174.65001,"confidence":0.9538574,"punctuated_word":"today,","sentiment":"positive","sentiment_score":0.6772993803024292},{"word":"so","start":174.65001,"end":174.81,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6092544198036194},{"word":"i'll","start":174.81,"end":175.05,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.6712340116500854},{"word":"tryna","start":175.05,"end":175.37001,"confidence":0.5571289,"punctuated_word":"tryna","sentiment":"positive","sentiment_score":0.690660834312439},{"word":"make","start":175.37001,"end":175.53,"confidence":0.9980469,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.618412435054779},{"word":"it","start":175.53,"end":175.77,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5723536610603333},{"word":"quick","start":175.77,"end":176.25,"confidence":0.99902344,"punctuated_word":"quick","sentiment":"positive","sentiment_score":0.6157076954841614},{"word":"for","start":176.25,"end":176.41,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6162437200546265},{"word":"you","start":176.41,"end":176.91,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4308122992515564},{"word":"now","start":177.425,"end":177.745,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.19166728854179385},{"word":"every","start":177.745,"end":177.985,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.18112696707248688},{"word":"time","start":177.985,"end":178.14499,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.17812234163284302},{"word":"we","start":178.14499,"end":178.385,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18309560418128967},{"word":"do","start":178.385,"end":178.545,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2365563064813614},{"word":"make","start":178.545,"end":178.78499,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.21101729571819303},{"word":"a","start":178.78499,"end":178.94499,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.181715726852417},{"word":"recommendation","start":178.94499,"end":179.44499,"confidence":1.0,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.18096508085727692},{"word":"on","start":179.665,"end":179.825,"confidence":0.9428711,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.21378277242183685},{"word":"any","start":179.825,"end":180.065,"confidence":0.58154297,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.21618108451366425},{"word":"products","start":180.065,"end":180.545,"confidence":0.58496094,"punctuated_word":"products","sentiment":"neutral","sentiment_score":0.1428595632314682},{"word":"and","start":180.545,"end":180.705,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20116552710533145},{"word":"make","start":180.705,"end":181.105,"confidence":0.76049805,"punctuated_word":"make,","sentiment":"neutral","sentiment_score":0.20598863065242767},{"word":"financial","start":181.50499,"end":182.00499,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.2352195382118225},{"word":"personalized","start":182.065,"end":182.565,"confidence":0.9741211,"punctuated_word":"personalized","sentiment":"neutral","sentiment_score":0.24342994391918185},{"word":"advice","start":182.705,"end":183.105,"confidence":0.9951172,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.2131212055683136},{"word":"we","start":183.105,"end":183.345,"confidence":0.5810547,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13142630457878113},{"word":"have","start":183.345,"end":183.58499,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16589242219924927},{"word":"to","start":183.58499,"end":183.745,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1751624345779419},{"word":"put","start":183.745,"end":183.985,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.18157850205898285},{"word":"everything","start":183.985,"end":184.385,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.1604834794998169},{"word":"in","start":184.385,"end":184.545,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.145847350358963},{"word":"this","start":184.545,"end":184.705,"confidence":0.89501953,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.16671624779701233},{"word":"statement","start":184.705,"end":185.105,"confidence":0.99902344,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.18279993534088135},{"word":"of","start":185.105,"end":185.345,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.174072265625},{"word":"advice","start":185.345,"end":185.845,"confidence":0.9885254,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.15433204174041748},{"word":"now","start":186.305,"end":186.545,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1370590329170227},{"word":"it","start":186.545,"end":186.705,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17590779066085815},{"word":"is","start":186.705,"end":187.025,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14514899253845215},{"word":"tailored","start":187.025,"end":187.525,"confidence":1.0,"punctuated_word":"tailored","sentiment":"neutral","sentiment_score":0.19767393171787265},{"word":"specifically","start":187.58499,"end":188.08499,"confidence":0.99902344,"punctuated_word":"specifically","sentiment":"neutral","sentiment_score":0.23207160830497744},{"word":"for","start":188.385,"end":188.625,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1928430497646332},{"word":"you","start":188.625,"end":188.94499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17671191692352295},{"word":"as","start":188.94499,"end":189.185,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20768529176712036},{"word":"well","start":189.185,"end":189.685,"confidence":0.97631836,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.19704601168632507},{"word":"and","start":189.83,"end":189.99,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1653403639793396},{"word":"it","start":189.99,"end":190.15,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13127094507217407},{"word":"does","start":190.15,"end":190.39,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.08518105000257492},{"word":"expire","start":190.39,"end":190.89,"confidence":1.0,"punctuated_word":"expire","sentiment":"neutral","sentiment_score":0.11775720119476318},{"word":"on","start":191.03,"end":191.19,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.074582539498806},{"word":"the","start":191.19,"end":191.51,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06754080951213837},{"word":"twenty","start":191.51,"end":191.83,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.08001469820737839},{"word":"fourth","start":191.83,"end":192.23,"confidence":0.99902344,"punctuated_word":"fourth","sentiment":"neutral","sentiment_score":0.0857728123664856},{"word":"of","start":192.23,"end":192.47,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04698086529970169},{"word":"this","start":192.47,"end":192.71,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06147731468081474},{"word":"month","start":192.71,"end":193.11,"confidence":0.9863281,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.09690899401903152},{"word":"so","start":193.11,"end":193.27,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11930795013904572},{"word":"you","start":193.27,"end":193.43,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13905510306358335},{"word":"have","start":193.43,"end":193.67,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13008257746696472},{"word":"a","start":193.67,"end":193.75,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14017683267593384},{"word":"couple","start":193.75,"end":194.07,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.10360627621412276},{"word":"of","start":194.07,"end":194.31,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13710686564445496},{"word":"days","start":194.31,"end":194.63,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.13806112110614777},{"word":"to","start":194.63,"end":194.95,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1264309287071228},{"word":"decide","start":194.95,"end":195.43,"confidence":1.0,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.1110728234052658},{"word":"if","start":195.43,"end":195.59,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10780927538871764},{"word":"you","start":195.59,"end":195.75,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10172411799430849},{"word":"would","start":195.75,"end":195.91,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.10026875138282776},{"word":"like","start":195.91,"end":196.15,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.09690966457128523},{"word":"to","start":196.15,"end":196.23,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13085368275642395},{"word":"go","start":196.23,"end":196.47,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.14347970485687256},{"word":"ahead","start":196.47,"end":196.97,"confidence":0.9472656,"punctuated_word":"ahead,","sentiment":"neutral","sentiment_score":0.1054295152425766},{"word":"but","start":197.19,"end":197.43,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.023604199290275577},{"word":"just","start":197.43,"end":197.59,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06371118128299713},{"word":"be","start":197.59,"end":197.75,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.05767069756984711},{"word":"mindful","start":197.75,"end":198.15,"confidence":1.0,"punctuated_word":"mindful","sentiment":"neutral","sentiment_score":-0.04546518623828888},{"word":"that","start":198.15,"end":198.39,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04886434972286224},{"word":"it","start":198.39,"end":198.55,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08238282054662704},{"word":"is","start":198.55,"end":198.87,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08829507231712341},{"word":"expiring","start":198.87,"end":199.37,"confidence":0.8614909,"punctuated_word":"expiring,","sentiment":"neutral","sentiment_score":-0.07896724343299866},{"word":"soon","start":199.91,"end":200.31,"confidence":0.99658203,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":-0.051445066928863525},{"word":"okay","start":200.31,"end":200.81,"confidence":1.0,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.04238505661487579},{"word":"yep","start":202.725,"end":203.205,"confidence":0.98706055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07120583951473236},{"word":"now","start":203.205,"end":203.44499,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07002431154251099},{"word":"it","start":203.44499,"end":203.605,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08663713932037354},{"word":"has","start":203.605,"end":203.845,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.0905088186264038},{"word":"been","start":203.845,"end":204.085,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.11126384139060974},{"word":"prepared","start":204.085,"end":204.585,"confidence":1.0,"punctuated_word":"prepared","sentiment":"neutral","sentiment_score":0.13813011348247528},{"word":"for","start":204.805,"end":205.285,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1118828058242798},{"word":"by","start":205.365,"end":205.685,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.11718982458114624},{"word":"myself","start":205.685,"end":206.165,"confidence":0.9951172,"punctuated_word":"myself.","sentiment":"neutral","sentiment_score":0.13196828961372375},{"word":"you","start":206.165,"end":206.405,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.11185242980718613},{"word":"can","start":206.405,"end":206.565,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13657672703266144},{"word":"also","start":206.565,"end":206.805,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0955403298139572},{"word":"see","start":206.805,"end":207.045,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11306555569171906},{"word":"my","start":207.045,"end":207.285,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.09300704300403596},{"word":"authorized","start":207.285,"end":207.785,"confidence":0.99316406,"punctuated_word":"authorized","sentiment":"neutral","sentiment_score":0.07766187191009521},{"word":"representative","start":207.845,"end":208.345,"confidence":1.0,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.05551237240433693},{"word":"number","start":208.565,"end":208.885,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.08528925478458405},{"word":"listed","start":208.885,"end":209.205,"confidence":1.0,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.14453619718551636},{"word":"on","start":209.205,"end":209.365,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11984957754611968},{"word":"the","start":209.365,"end":209.525,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09109325706958772},{"word":"cover","start":209.525,"end":209.845,"confidence":0.99609375,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.06458498537540436},{"word":"page","start":209.845,"end":210.165,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.10152546316385268},{"word":"there","start":210.165,"end":210.665,"confidence":0.9189453,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.10614246875047684},{"word":"and","start":210.805,"end":211.045,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09127343446016312},{"word":"i","start":211.045,"end":211.125,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09380681067705154},{"word":"am","start":211.125,"end":211.365,"confidence":1.0,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.10205741226673126},{"word":"licensed","start":211.365,"end":211.765,"confidence":0.99902344,"punctuated_word":"licensed","sentiment":"neutral","sentiment_score":0.07401921600103378},{"word":"under","start":211.765,"end":212.005,"confidence":0.99902344,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.0845857560634613},{"word":"financial","start":212.005,"end":212.505,"confidence":0.4630127,"punctuated_word":"financial.","sentiment":"neutral","sentiment_score":0.06176678091287613},{"word":"now","start":214.40001,"end":214.88,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07867435365915298},{"word":"on","start":214.88,"end":215.2,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07965683937072754},{"word":"the","start":215.2,"end":215.52,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06961505115032196},{"word":"second","start":215.52,"end":215.92,"confidence":0.9970703,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.0787934958934784},{"word":"page","start":215.92,"end":216.40001,"confidence":0.9995117,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.06496889144182205},{"word":"you","start":216.40001,"end":216.56,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06323224306106567},{"word":"will","start":216.56,"end":216.8,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06390880048274994},{"word":"see","start":216.8,"end":217.2,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06524334847927094},{"word":"best","start":217.2,"end":217.68001,"confidence":0.9291992,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.008749045431613922},{"word":"interest","start":217.68001,"end":218.18001,"confidence":0.9902344,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.01895918697118759},{"word":"duty","start":218.32,"end":218.82,"confidence":0.94921875,"punctuated_word":"duty.","sentiment":"neutral","sentiment_score":0.056714899837970734},{"word":"basically","start":219.2,"end":219.68001,"confidence":0.89282227,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":0.04043823480606079},{"word":"just","start":219.68001,"end":219.92,"confidence":0.48632812,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03207504749298096},{"word":"means","start":219.92,"end":220.16,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.03404223918914795},{"word":"that","start":220.16,"end":220.32,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.061421073973178864},{"word":"we","start":220.32,"end":220.56,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07843568176031113},{"word":"have","start":220.56,"end":220.8,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05877411365509033},{"word":"to","start":220.8,"end":220.88,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03348851203918457},{"word":"act","start":220.88,"end":221.12,"confidence":0.9941406,"punctuated_word":"act","sentiment":"neutral","sentiment_score":0.010650843381881714},{"word":"in","start":221.12,"end":221.36,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07214921712875366},{"word":"your","start":221.36,"end":221.76,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03589127957820892},{"word":"best","start":221.76,"end":222.08,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.046574875712394714},{"word":"interest","start":222.08,"end":222.56,"confidence":0.9951172,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.10093006491661072},{"word":"at","start":222.56,"end":222.72,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08779939264059067},{"word":"all","start":222.72,"end":222.96,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.08089743554592133},{"word":"time","start":222.96,"end":223.46,"confidence":0.8076172,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.12397217005491255},{"word":"and","start":223.76,"end":224.0,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08835779875516891},{"word":"the","start":224.0,"end":224.16,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09116057306528091},{"word":"advice","start":224.16,"end":224.64,"confidence":0.9707031,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.07279159873723984},{"word":"itself","start":224.64,"end":225.12,"confidence":1.0,"punctuated_word":"itself","sentiment":"neutral","sentiment_score":0.06081073731184006},{"word":"has","start":225.12,"end":225.36,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.05882907658815384},{"word":"to","start":225.36,"end":225.6,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04824937880039215},{"word":"put","start":225.6,"end":225.76,"confidence":0.9658203,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.03326381742954254},{"word":"in","start":225.76,"end":225.92,"confidence":0.5986328,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04358360171318054},{"word":"a","start":225.92,"end":226.08,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.031978487968444824},{"word":"better","start":226.08,"end":226.4,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.01979655772447586},{"word":"position","start":226.4,"end":226.9,"confidence":1.0,"punctuated_word":"position","sentiment":"neutral","sentiment_score":0.07976922392845154},{"word":"as","start":226.96,"end":227.2,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08633959293365479},{"word":"a","start":227.2,"end":227.36,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0889899879693985},{"word":"result","start":227.36,"end":227.86,"confidence":1.0,"punctuated_word":"result","sentiment":"neutral","sentiment_score":0.07542625814676285},{"word":"of","start":228.0,"end":228.16,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08174865692853928},{"word":"the","start":228.16,"end":228.32,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07028733193874359},{"word":"advice","start":228.32,"end":228.82,"confidence":0.9814453,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.024212181568145752},{"word":"otherwise","start":229.075,"end":229.39499,"confidence":0.9995117,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":-0.1394805908203125},{"word":"we","start":229.39499,"end":229.635,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.10071693360805511},{"word":"can't","start":229.635,"end":229.95499,"confidence":1.0,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.10376566648483276},{"word":"actually","start":229.95499,"end":230.355,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.07992204278707504},{"word":"make","start":230.355,"end":230.59499,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.10222652554512024},{"word":"the","start":230.59499,"end":230.75499,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06324610859155655},{"word":"recommendation","start":230.75499,"end":231.25499,"confidence":0.9975586,"punctuated_word":"recommendation.","sentiment":"neutral","sentiment_score":-0.09435676038265228},{"word":"does","start":231.635,"end":231.875,"confidence":0.9980469,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.041969723999500275},{"word":"that","start":231.875,"end":232.03499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04561904817819595},{"word":"make","start":232.03499,"end":232.19499,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.002684392035007477},{"word":"sense","start":232.19499,"end":232.69499,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.01420556753873825},{"word":"yep","start":233.555,"end":234.055,"confidence":0.89746094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12216683477163316},{"word":"perfect","start":234.355,"end":234.855,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.3042345941066742},{"word":"now","start":235.23499,"end":235.635,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1811881810426712},{"word":"i'll","start":235.635,"end":235.875,"confidence":0.99853516,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15417852997779846},{"word":"kind","start":235.875,"end":236.11499,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1610734462738037},{"word":"of","start":236.11499,"end":236.275,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14917883276939392},{"word":"skip","start":236.275,"end":236.59499,"confidence":0.9980469,"punctuated_word":"skip","sentiment":"neutral","sentiment_score":0.10305991023778915},{"word":"through","start":236.59499,"end":236.915,"confidence":0.83251953,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.10550981014966963},{"word":"and","start":236.915,"end":237.31499,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0844324380159378},{"word":"if","start":237.31499,"end":237.555,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0837172418832779},{"word":"you","start":237.555,"end":237.715,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10209699720144272},{"word":"can","start":237.715,"end":237.95499,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0877327099442482},{"word":"kind","start":237.95499,"end":238.19499,"confidence":0.9707031,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.09743818640708923},{"word":"of","start":238.19499,"end":238.275,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09484992176294328},{"word":"keep","start":238.275,"end":238.59499,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.05599495768547058},{"word":"scrolling","start":238.59499,"end":238.995,"confidence":1.0,"punctuated_word":"scrolling","sentiment":"neutral","sentiment_score":0.104446642100811},{"word":"with","start":238.995,"end":239.155,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07145480066537857},{"word":"me","start":239.155,"end":239.47499,"confidence":0.99902344,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.12399667501449584},{"word":"you","start":239.47499,"end":239.635,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13784100115299225},{"word":"will","start":239.635,"end":239.875,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.12181637436151505},{"word":"see","start":239.875,"end":240.035,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.12054306268692017},{"word":"a","start":240.035,"end":240.19499,"confidence":0.9448242,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11836586892604828},{"word":"couple","start":240.19499,"end":240.515,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.09872105717658997},{"word":"of","start":240.515,"end":240.75499,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08996403217315674},{"word":"pages","start":240.75499,"end":241.25499,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.0714457705616951},{"word":"talking","start":241.39499,"end":241.715,"confidence":0.99902344,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.10998544842004776},{"word":"about","start":241.715,"end":242.215,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08859875053167343},{"word":"scope","start":242.275,"end":242.67499,"confidence":0.98828125,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":0.11604183912277222},{"word":"of","start":242.67499,"end":242.915,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12709775567054749},{"word":"advice","start":242.915,"end":243.415,"confidence":0.986084,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.094893179833889},{"word":"basically","start":244.66,"end":245.16,"confidence":0.99658203,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":0.09113156050443648},{"word":"what","start":245.22,"end":245.38,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12170080840587616},{"word":"that","start":245.38,"end":245.62,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14361360669136047},{"word":"refers","start":245.62,"end":246.02,"confidence":0.9482422,"punctuated_word":"refers","sentiment":"neutral","sentiment_score":0.13297724723815918},{"word":"to","start":246.02,"end":246.34,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17556560039520264},{"word":"is","start":246.34,"end":246.58,"confidence":0.98535156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16704677045345306},{"word":"just","start":246.58,"end":246.9,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17617174983024597},{"word":"the","start":246.9,"end":247.06,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16989541053771973},{"word":"areas","start":247.06,"end":247.45999,"confidence":0.98828125,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.20457011461257937},{"word":"we","start":247.45999,"end":247.62,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19121494889259336},{"word":"are","start":247.62,"end":247.78,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18499623239040375},{"word":"looking","start":247.78,"end":248.02,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.19329100847244263},{"word":"at","start":248.02,"end":248.34,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21378158032894137},{"word":"today","start":248.34,"end":248.84,"confidence":0.9838867,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.1969813108444214},{"word":"so","start":248.9,"end":249.22,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21917274594306943},{"word":"very","start":249.22,"end":249.54,"confidence":0.97998047,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.2878634035587311},{"word":"simple","start":249.54,"end":250.04,"confidence":0.7919922,"punctuated_word":"simple,","sentiment":"neutral","sentiment_score":0.31201961636543274},{"word":"just","start":250.18,"end":250.5,"confidence":0.9892578,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.34598010778427124},{"word":"focusing","start":250.5,"end":250.98,"confidence":1.0,"punctuated_word":"focusing","sentiment":"positive","sentiment_score":0.3490031361579895},{"word":"on","start":250.98,"end":251.14,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4787451326847077},{"word":"your","start":251.14,"end":251.45999,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.43286579847335815},{"word":"superannuation","start":251.45999,"end":251.95999,"confidence":0.97005206,"punctuated_word":"superannuation","sentiment":"positive","sentiment_score":0.4089873433113098},{"word":"to","start":252.26,"end":252.5,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31937018036842346},{"word":"make","start":252.5,"end":252.66,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3965393602848053},{"word":"sure","start":252.66,"end":252.81999,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.4532402157783508},{"word":"we","start":252.81999,"end":252.9,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4152999520301819},{"word":"can","start":252.9,"end":253.06,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.41492363810539246},{"word":"give","start":253.06,"end":253.22,"confidence":1.0,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.476319283246994},{"word":"you","start":253.22,"end":253.38,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.44379785656929016},{"word":"as","start":253.38,"end":253.45999,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.44496890902519226},{"word":"much","start":253.45999,"end":253.86,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4567914307117462},{"word":"growth","start":253.86,"end":254.18,"confidence":0.9448242,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5143595933914185},{"word":"as","start":254.18,"end":254.5,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.47723209857940674},{"word":"possible","start":254.5,"end":255.0,"confidence":0.7824707,"punctuated_word":"possible.","sentiment":"positive","sentiment_score":0.35410934686660767},{"word":"not","start":255.7,"end":255.94,"confidence":0.9086914,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.12425121665000916},{"word":"making","start":255.94,"end":256.26,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.14011555910110474},{"word":"any","start":256.26,"end":256.41998,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.14254221320152283},{"word":"change","start":256.41998,"end":256.845,"confidence":0.9448242,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.08309276401996613},{"word":"to","start":256.925,"end":257.005,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.022005394101142883},{"word":"your","start":257.005,"end":257.325,"confidence":0.60498047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0836113914847374},{"word":"insurances","start":257.325,"end":257.825,"confidence":0.9995117,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.07295975089073181},{"word":"or","start":258.285,"end":258.605,"confidence":0.9941406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1905750632286072},{"word":"anything","start":258.605,"end":258.925,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.2025311291217804},{"word":"else","start":258.925,"end":259.325,"confidence":0.6915283,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":0.18775975704193115},{"word":"literally","start":259.325,"end":259.805,"confidence":0.55566406,"punctuated_word":"Literally","sentiment":"neutral","sentiment_score":0.2510754466056824},{"word":"just","start":259.805,"end":259.965,"confidence":0.5415039,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2732989490032196},{"word":"your","start":259.965,"end":260.125,"confidence":0.8598633,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.33837729692459106},{"word":"super","start":260.125,"end":260.445,"confidence":0.5131836,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3739926815032959},{"word":"today","start":260.445,"end":260.845,"confidence":0.8066406,"punctuated_word":"today.","sentiment":"positive","sentiment_score":0.3783423602581024},{"word":"so","start":260.845,"end":261.005,"confidence":0.7993164,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5095809102058411},{"word":"pretty","start":261.005,"end":261.325,"confidence":0.9863281,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5459843277931213},{"word":"straightforward","start":261.325,"end":261.825,"confidence":0.99853516,"punctuated_word":"straightforward.","sentiment":"neutral","sentiment_score":0.2836180627346039},{"word":"now","start":264.125,"end":264.445,"confidence":0.70654297,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06420187652111053},{"word":"as","start":264.445,"end":264.605,"confidence":0.9472656,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06075167655944824},{"word":"you","start":264.605,"end":264.765,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06399235129356384},{"word":"scroll","start":264.765,"end":265.085,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.05603177100419998},{"word":"through","start":265.085,"end":265.325,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05957996845245361},{"word":"as","start":265.325,"end":265.485,"confidence":0.98828125,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.049288470298051834},{"word":"well","start":265.485,"end":265.645,"confidence":0.9975586,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.05231104791164398},{"word":"you","start":265.645,"end":265.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.048695288598537445},{"word":"will","start":265.805,"end":266.045,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.055289220064878464},{"word":"see","start":266.045,"end":266.285,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06088696047663689},{"word":"some","start":266.285,"end":266.405,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.04380841925740242},{"word":"a","start":266.525,"end":266.685,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05264608561992645},{"word":"couple","start":266.685,"end":266.925,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.04943893849849701},{"word":"of","start":266.925,"end":267.085,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05651969462633133},{"word":"pages","start":267.085,"end":267.585,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.05363176763057709},{"word":"about","start":267.645,"end":267.965,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04565109685063362},{"word":"you","start":267.965,"end":268.285,"confidence":0.8996582,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.04761625826358795},{"word":"just","start":268.285,"end":268.525,"confidence":0.9819336,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06481727212667465},{"word":"some","start":268.525,"end":268.685,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.054867904633283615},{"word":"personal","start":268.685,"end":269.185,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.03710995241999626},{"word":"information","start":269.245,"end":269.745,"confidence":0.9970703,"punctuated_word":"information,","sentiment":"neutral","sentiment_score":0.05810034275054931},{"word":"your","start":270.125,"end":270.445,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05347811430692673},{"word":"assets","start":270.445,"end":270.845,"confidence":1.0,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.03396400809288025},{"word":"and","start":270.845,"end":271.005,"confidence":0.54296875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04807041585445404},{"word":"liabilities","start":271.005,"end":271.505,"confidence":1.0,"punctuated_word":"liabilities","sentiment":"neutral","sentiment_score":0.02464081719517708},{"word":"as","start":271.965,"end":272.16,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06186949834227562},{"word":"well","start":273.28,"end":273.78,"confidence":0.8430176,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.06730474531650543},{"word":"and","start":274.72,"end":274.96,"confidence":0.8095703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06492073833942413},{"word":"then","start":274.96,"end":275.46,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08447189629077911},{"word":"you'll","start":275.52,"end":275.84,"confidence":0.8972168,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.08807831257581711},{"word":"have","start":275.84,"end":276.0,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07130929827690125},{"word":"your","start":276.0,"end":276.4,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05082090571522713},{"word":"insurances","start":276.4,"end":276.9,"confidence":0.9995117,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.04283907264471054},{"word":"again","start":276.96,"end":277.12,"confidence":0.97875977,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.06232230365276337},{"word":"i","start":277.12,"end":277.28,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.016882415860891342},{"word":"won't","start":277.28,"end":277.52,"confidence":1.0,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.014997790567576883},{"word":"go","start":277.52,"end":277.68,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.014330312609672546},{"word":"through","start":277.68,"end":277.92,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0147365964949131},{"word":"that","start":277.92,"end":278.08002,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.00476151704788208},{"word":"with","start":278.08002,"end":278.24,"confidence":0.98535156,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.04273135960102081},{"word":"you","start":278.24,"end":278.32,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01812461018562317},{"word":"because","start":278.32,"end":278.56,"confidence":0.95410156,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.03579425439238548},{"word":"we","start":278.56,"end":278.72,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.018258627504110336},{"word":"kind","start":278.72,"end":278.88,"confidence":0.9160156,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.013145748525857924},{"word":"of","start":278.88,"end":278.96,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01813618466258049},{"word":"went","start":278.96,"end":279.12,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.022279243916273117},{"word":"through","start":279.12,"end":279.28,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.023236531764268875},{"word":"the","start":279.28,"end":279.36002,"confidence":0.38427734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018400181084871292},{"word":"during","start":279.44,"end":279.68,"confidence":0.9707031,"punctuated_word":"during","sentiment":"neutral","sentiment_score":0.01572369411587715},{"word":"the","start":279.68,"end":279.76,"confidence":0.71972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.052837129682302475},{"word":"annual","start":279.76,"end":280.08002,"confidence":0.97998047,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.022483475506305695},{"word":"review","start":280.08002,"end":280.32,"confidence":0.9458008,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.01314120925962925},{"word":"it's","start":280.32,"end":280.4,"confidence":0.98876953,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.06280972063541412},{"word":"just","start":280.4,"end":280.64,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0778379812836647},{"word":"listed","start":280.64,"end":280.96,"confidence":0.99902344,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.07707814872264862},{"word":"there","start":280.96,"end":281.2,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09738126397132874},{"word":"for","start":281.2,"end":281.36002,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0894799679517746},{"word":"you","start":281.36002,"end":281.6,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06842289865016937},{"word":"so","start":281.6,"end":281.76,"confidence":0.8671875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08732903003692627},{"word":"you","start":281.76,"end":281.92,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08197768777608871},{"word":"have","start":281.92,"end":282.16,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08800122141838074},{"word":"the","start":282.16,"end":282.4,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06918454170227051},{"word":"information","start":282.4,"end":282.9,"confidence":0.9626465,"punctuated_word":"information.","sentiment":"neutral","sentiment_score":0.04872287064790726},{"word":"and","start":284.235,"end":284.555,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03685625270009041},{"word":"that","start":284.555,"end":284.715,"confidence":0.98535156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03437361121177673},{"word":"then","start":284.715,"end":284.955,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03800683096051216},{"word":"takes","start":284.955,"end":285.275,"confidence":1.0,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.020667940378189087},{"word":"me","start":285.275,"end":285.51498,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0425211638212204},{"word":"to","start":285.51498,"end":285.75497,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027050768956542015},{"word":"page","start":285.75497,"end":286.155,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.03819263353943825},{"word":"11","start":286.155,"end":286.655,"confidence":0.97265625,"punctuated_word":"11,","sentiment":"neutral","sentiment_score":0.04030628874897957},{"word":"which","start":287.03497,"end":287.275,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.03137604892253876},{"word":"shows","start":287.275,"end":287.59497,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.033357977867126465},{"word":"your","start":287.59497,"end":287.91498,"confidence":0.9667969,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02767028473317623},{"word":"risk","start":287.91498,"end":288.31497,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.020050067454576492},{"word":"profile","start":288.31497,"end":288.81497,"confidence":1.0,"punctuated_word":"profile.","sentiment":"neutral","sentiment_score":0.0005129743367433548},{"word":"can","start":288.955,"end":289.115,"confidence":1.0,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.010791756212711334},{"word":"you","start":289.115,"end":289.275,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006375432014465332},{"word":"see","start":289.275,"end":289.51498,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0004147477447986603},{"word":"where","start":289.51498,"end":289.675,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.013128025457262993},{"word":"i'm","start":289.675,"end":289.835,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0003366861492395401},{"word":"at","start":289.835,"end":290.07498,"confidence":0.92749023,"punctuated_word":"at?","sentiment":"neutral","sentiment_score":0.0030680550262331963},{"word":"or","start":290.07498,"end":290.235,"confidence":0.8911133,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.002292728051543236},{"word":"page","start":290.235,"end":290.555,"confidence":0.9980469,"punctuated_word":"page","sentiment":"neutral","sentiment_score":-0.003066079691052437},{"word":"10","start":290.555,"end":291.03497,"confidence":0.87475586,"punctuated_word":"10.","sentiment":"neutral","sentiment_score":0.0075748879462480545},{"word":"sorry","start":291.03497,"end":291.53497,"confidence":0.9941406,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.014383194968104362},{"word":"yeah","start":292.715,"end":293.115,"confidence":0.7885742,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17961561679840088},{"word":"perfect","start":293.115,"end":293.615,"confidence":0.984375,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5101567506790161},{"word":"now","start":294.31497,"end":294.555,"confidence":0.9951172,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.3220726251602173},{"word":"we","start":294.555,"end":294.79498,"confidence":0.98535156,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22427473962306976},{"word":"did","start":294.79498,"end":294.955,"confidence":0.99609375,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.25589293241500854},{"word":"go","start":294.955,"end":295.115,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.25784575939178467},{"word":"through","start":295.115,"end":295.35498,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.23041310906410217},{"word":"a","start":295.35498,"end":295.435,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19943660497665405},{"word":"couple","start":295.435,"end":295.675,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1464643031358719},{"word":"of","start":295.675,"end":295.835,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1510106325149536},{"word":"questions","start":295.835,"end":296.235,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.10949941724538804},{"word":"in","start":296.235,"end":296.395,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.056998275220394135},{"word":"regards","start":296.395,"end":296.715,"confidence":0.9980469,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.049357809126377106},{"word":"to","start":296.715,"end":296.875,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10660475492477416},{"word":"how","start":296.875,"end":297.03497,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.02419091761112213},{"word":"you","start":297.03497,"end":297.115,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07711411267518997},{"word":"feel","start":297.115,"end":297.35498,"confidence":0.99609375,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.02881041169166565},{"word":"about","start":297.35498,"end":297.59497,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.012975648045539856},{"word":"risk","start":297.59497,"end":297.87,"confidence":0.98535156,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.02121274173259735},{"word":"and","start":297.94998,"end":298.11,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.018758624792099},{"word":"fluctuation","start":298.11,"end":298.61,"confidence":0.9526367,"punctuated_word":"fluctuation","sentiment":"neutral","sentiment_score":-0.02533644437789917},{"word":"during","start":298.75,"end":298.99,"confidence":0.41333008,"punctuated_word":"during","sentiment":"neutral","sentiment_score":0.0007307976484298706},{"word":"the","start":298.99,"end":299.07,"confidence":0.8989258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06065065413713455},{"word":"annual","start":299.07,"end":299.38998,"confidence":0.90234375,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.02548188716173172},{"word":"review","start":299.38998,"end":299.71,"confidence":0.8835449,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.06568361073732376},{"word":"and","start":299.71,"end":299.94998,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0067335814237594604},{"word":"we're","start":299.94998,"end":300.11,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.07233994454145432},{"word":"not","start":300.11,"end":300.35,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1207473799586296},{"word":"making","start":300.35,"end":300.59,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.19541218876838684},{"word":"any","start":300.59,"end":300.99,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.2090744525194168},{"word":"changes","start":300.99,"end":301.49,"confidence":0.9172363,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":-0.18717041611671448},{"word":"keeping","start":301.79,"end":302.11,"confidence":0.9970703,"punctuated_word":"Keeping","sentiment":"neutral","sentiment_score":0.2262216210365295},{"word":"you","start":302.11,"end":302.19,"confidence":0.9326172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2989535331726074},{"word":"in","start":302.19,"end":302.27002,"confidence":0.98828125,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.35310178995132446},{"word":"a","start":302.27002,"end":302.35,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.39632803201675415},{"word":"high","start":302.35,"end":302.59,"confidence":0.99902344,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.3933025002479553},{"word":"growth","start":302.59,"end":302.91,"confidence":0.9902344,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.4771293103694916},{"word":"portfolio","start":302.91,"end":303.41,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.34795284271240234},{"word":"is","start":304.03,"end":304.27,"confidence":0.86035156,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3931354284286499},{"word":"very","start":304.27,"end":304.51,"confidence":0.99902344,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.3587011694908142},{"word":"suitable","start":304.51,"end":304.99,"confidence":1.0,"punctuated_word":"suitable","sentiment":"positive","sentiment_score":0.333527535200119},{"word":"for","start":304.99,"end":305.22998,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3992467522621155},{"word":"you","start":305.22998,"end":305.38998,"confidence":0.9926758,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3594011068344116},{"word":"you","start":305.38998,"end":305.63,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.2715337872505188},{"word":"still","start":305.63,"end":305.87,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.23240959644317627},{"word":"have","start":305.87,"end":306.03,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22495856881141665},{"word":"plenty","start":306.03,"end":306.35,"confidence":1.0,"punctuated_word":"plenty","sentiment":"neutral","sentiment_score":0.23357240855693817},{"word":"of","start":306.35,"end":306.51,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2139478176832199},{"word":"time","start":306.51,"end":306.75,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2510581612586975},{"word":"until","start":306.75,"end":307.07,"confidence":0.66845703,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.2136760801076889},{"word":"retirement","start":307.07,"end":307.57,"confidence":0.810791,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.13179992139339447},{"word":"so","start":308.19,"end":308.51,"confidence":0.94970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15382206439971924},{"word":"not","start":308.51,"end":308.75,"confidence":0.95166016,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.05640958994626999},{"word":"making","start":308.75,"end":309.07,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.01976734399795532},{"word":"any","start":309.07,"end":309.31,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.030517488718032837},{"word":"changes","start":309.31,"end":309.81,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.16410446166992188},{"word":"to","start":309.87,"end":310.03,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1940561681985855},{"word":"your","start":310.03,"end":310.27,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.16196580231189728},{"word":"level","start":310.27,"end":310.51,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.14959664642810822},{"word":"of","start":310.51,"end":310.66998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15443487465381622},{"word":"risk","start":310.66998,"end":310.91,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.09104152768850328},{"word":"or","start":310.91,"end":311.07,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06015211343765259},{"word":"anything","start":311.07,"end":311.55,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.04208412766456604},{"word":"like","start":311.55,"end":311.71,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.03201955556869507},{"word":"that","start":311.71,"end":312.21,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.06608761847019196},{"word":"yep","start":313.535,"end":313.935,"confidence":0.9802246,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16330501437187195},{"word":"perfect","start":313.935,"end":314.435,"confidence":0.9980469,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3849639892578125},{"word":"now","start":315.055,"end":315.535,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1228942722082138},{"word":"that","start":315.535,"end":315.775,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0907389000058174},{"word":"then","start":315.775,"end":316.095,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10622093081474304},{"word":"takes","start":316.095,"end":316.415,"confidence":1.0,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.09458810836076736},{"word":"me","start":316.415,"end":316.655,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12474916875362396},{"word":"to","start":316.655,"end":316.89502,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09677048772573472},{"word":"page","start":316.89502,"end":317.375,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.07103878259658813},{"word":"12","start":317.375,"end":317.875,"confidence":0.99316406,"punctuated_word":"12.","sentiment":"neutral","sentiment_score":0.07305804640054703},{"word":"so","start":318.255,"end":318.575,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04524676129221916},{"word":"it","start":318.575,"end":318.815,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03373914957046509},{"word":"says","start":318.815,"end":319.315,"confidence":0.99902344,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.06853307783603668},{"word":"at","start":319.375,"end":319.615,"confidence":0.91845703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09552087634801865},{"word":"the","start":319.615,"end":319.695,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10463829338550568},{"word":"top","start":319.695,"end":320.195,"confidence":0.95874023,"punctuated_word":"top,","sentiment":"neutral","sentiment_score":0.1149839609861374},{"word":"strategy","start":320.415,"end":320.915,"confidence":1.0,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.12404724955558775},{"word":"recommendation","start":321.135,"end":321.635,"confidence":0.9980469,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.1758677214384079},{"word":"with","start":322.015,"end":322.415,"confidence":0.72558594,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15080463886260986},{"word":"pain","start":322.415,"end":322.655,"confidence":0.3137207,"punctuated_word":"pain","sentiment":"neutral","sentiment_score":0.12217916548252106},{"word":"hub","start":322.655,"end":322.975,"confidence":0.9301758,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.12657161056995392},{"word":"twenty","start":322.975,"end":323.215,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.17071351408958435},{"word":"four","start":323.215,"end":323.535,"confidence":0.9975586,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.1262814849615097},{"word":"can","start":323.535,"end":323.695,"confidence":1.0,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.09790316969156264},{"word":"you","start":323.695,"end":323.855,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09596766531467438},{"word":"see","start":323.855,"end":324.015,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09487084299325944},{"word":"that","start":324.015,"end":324.515,"confidence":1.0,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.08267459273338318},{"word":"yep","start":325.74002,"end":326.06,"confidence":0.8581543,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18719057738780975},{"word":"perfect","start":326.06,"end":326.54,"confidence":0.97753906,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4684774875640869},{"word":"so","start":326.54,"end":326.7,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3737504482269287},{"word":"i","start":326.7,"end":326.86002,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.42237281799316406},{"word":"did","start":326.86002,"end":327.18002,"confidence":1.0,"punctuated_word":"did","sentiment":"positive","sentiment_score":0.4117836058139801},{"word":"do","start":327.18002,"end":327.34,"confidence":0.99121094,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3826670944690704},{"word":"some","start":327.34,"end":327.58002,"confidence":0.99902344,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3720104694366455},{"word":"research","start":327.58002,"end":327.9,"confidence":0.99902344,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.29714298248291016},{"word":"on","start":327.9,"end":328.06,"confidence":0.7001953,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.27679672837257385},{"word":"other","start":328.06,"end":328.30002,"confidence":0.9223633,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.2403510808944702},{"word":"super","start":328.30002,"end":328.54,"confidence":0.9667969,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.28894340991973877},{"word":"options","start":328.54,"end":328.86002,"confidence":0.99902344,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.20458875596523285},{"word":"for","start":328.86002,"end":329.1,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.31295570731163025},{"word":"you","start":329.1,"end":329.34,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.341823011636734},{"word":"as","start":329.34,"end":329.42,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.36016929149627686},{"word":"well","start":329.42,"end":329.66,"confidence":0.9291992,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.3410428464412689},{"word":"and","start":329.66,"end":329.9,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3044191896915436},{"word":"i","start":329.9,"end":329.98,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3578450381755829},{"word":"did","start":329.98,"end":330.22,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.32753461599349976},{"word":"consider","start":330.22,"end":330.7,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.28242939710617065},{"word":"everything","start":330.7,"end":331.2,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.3711820244789123},{"word":"just","start":331.26,"end":331.5,"confidence":0.95947266,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3580358922481537},{"word":"to","start":331.5,"end":331.66,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30871304869651794},{"word":"make","start":331.66,"end":331.9,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.27877339720726013},{"word":"sure","start":331.9,"end":332.14,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.28275975584983826},{"word":"hub","start":332.14,"end":332.38,"confidence":0.57177734,"punctuated_word":"hub","sentiment":"positive","sentiment_score":0.335892915725708},{"word":"twenty","start":332.38,"end":332.62,"confidence":1.0,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.3590680658817291},{"word":"four","start":332.62,"end":332.78,"confidence":0.9980469,"punctuated_word":"four","sentiment":"positive","sentiment_score":0.3414301574230194},{"word":"is","start":332.78,"end":332.94,"confidence":0.8154297,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.32495176792144775},{"word":"still","start":332.94,"end":333.1,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.3325924575328827},{"word":"going","start":333.1,"end":333.34,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.4340332746505738},{"word":"to","start":333.34,"end":333.42,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3856326639652252},{"word":"be","start":333.42,"end":333.66,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.3215138912200928},{"word":"the","start":333.66,"end":333.82,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.280295729637146},{"word":"best","start":333.82,"end":334.06,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.25097835063934326},{"word":"option","start":334.06,"end":334.46002,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.27910688519477844},{"word":"for","start":334.46002,"end":334.62,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3629952669143677},{"word":"you","start":334.62,"end":334.86002,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4056152403354645},{"word":"because","start":334.86002,"end":335.18,"confidence":0.8354492,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.32121768593788147},{"word":"there's","start":335.18,"end":335.42,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.36887693405151367},{"word":"always","start":335.42,"end":335.82,"confidence":0.99902344,"punctuated_word":"always","sentiment":"positive","sentiment_score":0.38203316926956177},{"word":"new","start":335.82,"end":335.98,"confidence":0.9770508,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.2660946846008301},{"word":"products","start":335.98,"end":336.38,"confidence":0.9980469,"punctuated_word":"products","sentiment":"neutral","sentiment_score":0.2561509609222412},{"word":"and","start":336.38,"end":336.54,"confidence":0.97314453,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3973851203918457},{"word":"features","start":336.54,"end":336.94,"confidence":1.0,"punctuated_word":"features","sentiment":"neutral","sentiment_score":0.27518153190612793},{"word":"that","start":336.94,"end":337.1,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3493692874908447},{"word":"comes","start":337.1,"end":337.34,"confidence":0.96533203,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.28587955236434937},{"word":"out","start":337.34,"end":337.84,"confidence":0.9577637,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.2410537153482437},{"word":"so","start":338.07498,"end":338.155,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21977317333221436},{"word":"it","start":338.155,"end":338.235,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2853882312774658},{"word":"is","start":338.235,"end":338.395,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.25313737988471985},{"word":"good","start":338.395,"end":338.635,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.26294487714767456},{"word":"to","start":338.635,"end":338.875,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3056729733943939},{"word":"kind","start":338.875,"end":339.035,"confidence":0.9863281,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.3018491268157959},{"word":"of","start":339.035,"end":339.195,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.32105767726898193},{"word":"reassess","start":339.195,"end":339.695,"confidence":0.9995117,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":0.2536664605140686},{"word":"every","start":339.755,"end":339.995,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.26903247833251953},{"word":"now","start":339.995,"end":340.155,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.2466500997543335},{"word":"and","start":340.155,"end":340.315,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2621126174926758},{"word":"then","start":340.315,"end":340.635,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.3116043508052826},{"word":"just","start":340.635,"end":341.035,"confidence":0.96533203,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.26444533467292786},{"word":"to","start":341.035,"end":341.195,"confidence":0.92089844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22910985350608823},{"word":"make","start":341.195,"end":341.595,"confidence":0.96972656,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.25388461351394653},{"word":"sure","start":341.595,"end":342.095,"confidence":0.8989258,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.254428505897522},{"word":"and","start":342.235,"end":342.735,"confidence":0.98095703,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.34305137395858765},{"word":"all","start":342.875,"end":343.195,"confidence":0.49145508,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4115839898586273},{"word":"the","start":343.195,"end":343.35498,"confidence":0.77441406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3871162831783294},{"word":"time","start":343.35498,"end":343.595,"confidence":0.99902344,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.3582732081413269},{"word":"being","start":343.595,"end":343.915,"confidence":0.99365234,"punctuated_word":"being,","sentiment":"positive","sentiment_score":0.3715780973434448},{"word":"hub","start":343.915,"end":344.155,"confidence":0.44335938,"punctuated_word":"hub","sentiment":"positive","sentiment_score":0.4443722665309906},{"word":"24","start":344.155,"end":344.635,"confidence":0.99853516,"punctuated_word":"24","sentiment":"positive","sentiment_score":0.5129483938217163},{"word":"still","start":344.635,"end":344.955,"confidence":0.98535156,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4451895356178284},{"word":"is","start":344.955,"end":345.35498,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.42589250206947327},{"word":"very","start":345.35498,"end":345.595,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.485470175743103},{"word":"much","start":345.595,"end":345.915,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.447729766368866},{"word":"competitive","start":345.915,"end":346.415,"confidence":0.9995117,"punctuated_word":"competitive.","sentiment":"positive","sentiment_score":0.4097358584403992},{"word":"it","start":346.635,"end":346.875,"confidence":1.0,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.49112990498542786},{"word":"is","start":346.875,"end":347.195,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4693225026130676},{"word":"competitive","start":347.195,"end":347.695,"confidence":1.0,"punctuated_word":"competitive","sentiment":"positive","sentiment_score":0.4216037690639496},{"word":"when","start":347.835,"end":348.07498,"confidence":0.9941406,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.5011821389198303},{"word":"it","start":348.07498,"end":348.155,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4608792662620544},{"word":"comes","start":348.155,"end":348.475,"confidence":0.9941406,"punctuated_word":"comes","sentiment":"positive","sentiment_score":0.41808053851127625},{"word":"to","start":348.475,"end":348.635,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4083117544651031},{"word":"prices","start":348.635,"end":349.135,"confidence":0.9902344,"punctuated_word":"prices","sentiment":"positive","sentiment_score":0.4392371475696564},{"word":"and","start":349.195,"end":349.435,"confidence":0.9326172,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4658474028110504},{"word":"features","start":349.435,"end":349.935,"confidence":1.0,"punctuated_word":"features","sentiment":"positive","sentiment_score":0.3722513020038605},{"word":"and","start":350.07498,"end":350.475,"confidence":0.9902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4390951097011566},{"word":"availability","start":350.475,"end":350.975,"confidence":0.9819336,"punctuated_word":"availability","sentiment":"positive","sentiment_score":0.35500314831733704},{"word":"with","start":351.275,"end":351.51498,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3867371380329132},{"word":"investment","start":351.51498,"end":352.01498,"confidence":0.8391113,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.3268876373767853},{"word":"i","start":352.86002,"end":353.1,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4545924365520478},{"word":"do","start":353.1,"end":353.34,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3627201020717621},{"word":"use","start":353.34,"end":353.5,"confidence":0.99902344,"punctuated_word":"use","sentiment":"positive","sentiment_score":0.3653344511985779},{"word":"hub","start":353.5,"end":353.74,"confidence":0.7089844,"punctuated_word":"hub","sentiment":"positive","sentiment_score":0.35606274008750916},{"word":"24","start":353.74,"end":354.30002,"confidence":0.9995117,"punctuated_word":"24","sentiment":"positive","sentiment_score":0.3966357111930847},{"word":"for","start":354.30002,"end":354.46,"confidence":0.8286133,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.390301913022995},{"word":"my","start":354.46,"end":354.7,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.4734376072883606},{"word":"personal","start":354.7,"end":355.1,"confidence":0.99902344,"punctuated_word":"personal","sentiment":"positive","sentiment_score":0.41813668608665466},{"word":"super","start":355.1,"end":355.5,"confidence":0.7871094,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.5038551092147827},{"word":"as","start":355.5,"end":355.74,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4608380198478699},{"word":"well","start":355.74,"end":356.06,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.40417253971099854},{"word":"so","start":356.06,"end":356.30002,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.45419296622276306},{"word":"for","start":356.30002,"end":356.46,"confidence":0.9951172,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5159708857536316},{"word":"the","start":356.46,"end":356.62,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.507378101348877},{"word":"time","start":356.62,"end":356.86002,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.4667973518371582},{"word":"being","start":356.86002,"end":357.18,"confidence":0.99902344,"punctuated_word":"being,","sentiment":"positive","sentiment_score":0.4791046679019928},{"word":"i","start":357.18,"end":357.26,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5933340787887573},{"word":"have","start":357.26,"end":357.5,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5742824077606201},{"word":"recommended","start":357.5,"end":358.0,"confidence":0.99316406,"punctuated_word":"recommended","sentiment":"positive","sentiment_score":0.5771713256835938},{"word":"staying","start":358.22,"end":358.54,"confidence":0.5864258,"punctuated_word":"staying","sentiment":"positive","sentiment_score":0.5157718062400818},{"word":"hub","start":358.54,"end":358.78,"confidence":0.7265625,"punctuated_word":"hub","sentiment":"positive","sentiment_score":0.49131524562835693},{"word":"twenty","start":358.78,"end":359.02002,"confidence":1.0,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.7654725909233093},{"word":"four","start":359.02002,"end":359.18,"confidence":0.99902344,"punctuated_word":"four","sentiment":"positive","sentiment_score":0.7275134921073914},{"word":"is","start":359.18,"end":359.42,"confidence":0.95410156,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6841917634010315},{"word":"doing","start":359.42,"end":359.92,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.6825457811355591},{"word":"really","start":360.06,"end":360.38,"confidence":0.5288086,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.748108446598053},{"word":"good","start":360.38,"end":360.62,"confidence":0.99902344,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.701370358467102},{"word":"for","start":360.62,"end":360.78,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6451110243797302},{"word":"you","start":360.78,"end":361.28,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7142491936683655},{"word":"and","start":361.42,"end":361.66,"confidence":0.6791992,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5965694189071655},{"word":"literally","start":361.66,"end":362.14,"confidence":0.9248047,"punctuated_word":"literally","sentiment":"positive","sentiment_score":0.5666149258613586},{"word":"just","start":362.14,"end":362.38,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.32506176829338074},{"word":"changing","start":362.38,"end":362.86002,"confidence":0.99902344,"punctuated_word":"changing","sentiment":"positive","sentiment_score":0.35074639320373535},{"word":"a","start":362.86002,"end":363.02002,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28326505422592163},{"word":"couple","start":363.02002,"end":363.26,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.21169736981391907},{"word":"of","start":363.26,"end":363.58002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24622757732868197},{"word":"investments","start":363.58002,"end":364.08002,"confidence":0.9211426,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.1765630543231964},{"word":"now","start":366.235,"end":366.635,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07332314550876617},{"word":"what","start":366.635,"end":366.875,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0871356651186943},{"word":"that","start":366.875,"end":367.115,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10783569514751434},{"word":"actually","start":367.115,"end":367.595,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.0843314677476883},{"word":"looks","start":367.595,"end":367.915,"confidence":0.99902344,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.07379984855651855},{"word":"like","start":367.915,"end":368.075,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06654317677021027},{"word":"from","start":368.075,"end":368.315,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.08357512950897217},{"word":"a","start":368.315,"end":368.555,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07404102385044098},{"word":"projection","start":368.555,"end":369.035,"confidence":0.99609375,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.06474760174751282},{"word":"point","start":369.035,"end":369.275,"confidence":0.9970703,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.0494525171816349},{"word":"of","start":369.275,"end":369.435,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07207620143890381},{"word":"view","start":369.435,"end":369.755,"confidence":0.97216797,"punctuated_word":"view,","sentiment":"neutral","sentiment_score":0.10108336061239244},{"word":"if","start":369.755,"end":369.915,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0980883315205574},{"word":"you","start":369.915,"end":370.075,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08293217420578003},{"word":"can","start":370.075,"end":370.315,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07117389887571335},{"word":"scroll","start":370.315,"end":370.635,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.06795746088027954},{"word":"down","start":370.635,"end":370.875,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.09625107049942017},{"word":"because","start":370.875,"end":371.115,"confidence":0.4909668,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.07928838580846786},{"word":"it's","start":371.115,"end":371.275,"confidence":0.9855957,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1060565635561943},{"word":"sometimes","start":371.275,"end":371.755,"confidence":1.0,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":0.12380680441856384},{"word":"easier","start":371.755,"end":372.075,"confidence":0.94970703,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.1321457028388977},{"word":"to","start":372.075,"end":372.155,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13971395790576935},{"word":"look","start":372.155,"end":372.395,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13198289275169373},{"word":"at","start":372.395,"end":372.475,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13945671916007996},{"word":"this","start":372.475,"end":372.795,"confidence":0.9560547,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.12638692557811737},{"word":"first","start":372.795,"end":373.115,"confidence":0.9873047,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.1253814697265625},{"word":"to","start":373.115,"end":373.435,"confidence":0.7578125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10197313129901886},{"word":"page","start":373.435,"end":373.935,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.135464146733284},{"word":"17","start":373.995,"end":374.495,"confidence":0.9279785,"punctuated_word":"17,","sentiment":"neutral","sentiment_score":0.1569826453924179},{"word":"it","start":375.915,"end":376.075,"confidence":0.71240234,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1338728666305542},{"word":"should","start":376.075,"end":376.575,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.15435469150543213},{"word":"say","start":376.635,"end":377.115,"confidence":0.54345703,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.13750553131103516},{"word":"the","start":377.115,"end":377.435,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11402314901351927},{"word":"comparison","start":377.435,"end":377.935,"confidence":1.0,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.14297178387641907},{"word":"table","start":378.155,"end":378.635,"confidence":0.99902344,"punctuated_word":"table.","sentiment":"neutral","sentiment_score":0.08496766537427902},{"word":"can","start":378.635,"end":378.875,"confidence":1.0,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.0987163633108139},{"word":"you","start":378.875,"end":379.035,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0944315642118454},{"word":"see","start":379.035,"end":379.195,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10957955569028854},{"word":"that","start":379.195,"end":379.695,"confidence":1.0,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.07794499397277832},{"word":"yep","start":381.34998,"end":381.75,"confidence":0.86694336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13397780060768127},{"word":"perfect","start":381.75,"end":382.25,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.08012941479682922},{"word":"now","start":382.47,"end":382.71,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.17816518247127533},{"word":"this","start":382.71,"end":382.87,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.19532442092895508},{"word":"is","start":382.87,"end":383.03,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16140314936637878},{"word":"basically","start":383.03,"end":383.22998,"confidence":0.9667969,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.20058636367321017},{"word":"so","start":383.43,"end":383.59,"confidence":0.9838867,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1854287087917328},{"word":"a","start":383.59,"end":383.66998,"confidence":0.92089844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2755962610244751},{"word":"couple","start":383.66998,"end":383.83,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.23332363367080688},{"word":"of","start":383.83,"end":383.99,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18420015275478363},{"word":"the","start":383.99,"end":384.06998,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.168057382106781},{"word":"pages","start":384.06998,"end":384.38998,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.11514652520418169},{"word":"that","start":384.38998,"end":384.55,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18163064122200012},{"word":"you","start":384.55,"end":384.62997,"confidence":0.9472656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18533161282539368},{"word":"did","start":384.62997,"end":384.87,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.14792771637439728},{"word":"scroll","start":384.87,"end":385.18997,"confidence":0.9790039,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.13076606392860413},{"word":"through","start":385.18997,"end":385.50998,"confidence":0.98217773,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.1428520828485489},{"word":"it","start":385.50998,"end":385.66998,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1614379584789276},{"word":"just","start":385.66998,"end":386.06998,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12534506618976593},{"word":"basically","start":386.06998,"end":386.56998,"confidence":0.98535156,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.09452322125434875},{"word":"puts","start":387.18997,"end":387.50998,"confidence":0.5917969,"punctuated_word":"puts","sentiment":"neutral","sentiment_score":0.09803669899702072},{"word":"it","start":387.50998,"end":387.66998,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12807558476924896},{"word":"all","start":387.66998,"end":387.83,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.12070003151893616},{"word":"into","start":387.83,"end":388.06998,"confidence":0.9970703,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.09066402167081831},{"word":"word","start":388.06998,"end":388.38998,"confidence":0.73217773,"punctuated_word":"Word,","sentiment":"neutral","sentiment_score":0.11468876153230669},{"word":"but","start":388.38998,"end":388.55,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.15110963582992554},{"word":"i","start":388.55,"end":388.71,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2601873278617859},{"word":"often","start":388.71,"end":389.03,"confidence":1.0,"punctuated_word":"often","sentiment":"neutral","sentiment_score":0.30459919571876526},{"word":"find","start":389.03,"end":389.27,"confidence":1.0,"punctuated_word":"find","sentiment":"positive","sentiment_score":0.363820880651474},{"word":"that","start":389.27,"end":389.50998,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3152691721916199},{"word":"looking","start":389.50998,"end":389.75,"confidence":0.9980469,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.3681269884109497},{"word":"at","start":389.75,"end":389.99,"confidence":0.9980469,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3400207459926605},{"word":"it","start":389.99,"end":390.06998,"confidence":0.93115234,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.38414984941482544},{"word":"here","start":390.06998,"end":390.31,"confidence":0.99609375,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.46066373586654663},{"word":"is","start":390.31,"end":390.46997,"confidence":0.92578125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3311159908771515},{"word":"sometimes","start":390.46997,"end":390.87,"confidence":1.0,"punctuated_word":"sometimes","sentiment":"positive","sentiment_score":0.4177103042602539},{"word":"a","start":390.87,"end":390.94998,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3959417343139648},{"word":"bit","start":390.94998,"end":391.27,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.28093665838241577},{"word":"easier","start":391.27,"end":391.77,"confidence":0.99853516,"punctuated_word":"easier.","sentiment":"neutral","sentiment_score":0.2932808995246887},{"word":"so","start":392.405,"end":392.725,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3739057779312134},{"word":"you","start":392.725,"end":392.805,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3629026412963867},{"word":"can","start":392.805,"end":393.045,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.35198965668678284},{"word":"see","start":393.045,"end":393.285,"confidence":1.0,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.35888010263442993},{"word":"your","start":393.285,"end":393.525,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2812522053718567},{"word":"current","start":393.525,"end":393.845,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.26142510771751404},{"word":"position","start":393.845,"end":394.345,"confidence":0.9477539,"punctuated_word":"position.","sentiment":"neutral","sentiment_score":0.31319236755371094},{"word":"you","start":394.565,"end":394.725,"confidence":0.99902344,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.3350391983985901},{"word":"can","start":394.725,"end":394.885,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.32139790058135986},{"word":"see","start":394.885,"end":395.125,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.3007027506828308},{"word":"your","start":395.125,"end":395.445,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2572531998157501},{"word":"total","start":395.445,"end":395.925,"confidence":1.0,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.2574772536754608},{"word":"cost","start":395.925,"end":396.425,"confidence":0.91748047,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.21483837068080905},{"word":"currently","start":396.645,"end":397.145,"confidence":0.8720703,"punctuated_word":"currently,","sentiment":"neutral","sentiment_score":0.25229930877685547},{"word":"and","start":397.525,"end":397.685,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2934029996395111},{"word":"then","start":397.685,"end":397.845,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2936468720436096},{"word":"you","start":397.845,"end":397.925,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2989126741886139},{"word":"can","start":397.925,"end":398.165,"confidence":0.9536133,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.26511281728744507},{"word":"also","start":398.165,"end":398.665,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.23495587706565857},{"word":"see","start":398.725,"end":399.045,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.27288004755973816},{"word":"the","start":399.045,"end":399.285,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2381700575351715},{"word":"three","start":399.285,"end":399.605,"confidence":0.9980469,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.17119748890399933},{"word":"year","start":399.605,"end":399.925,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.2089088410139084},{"word":"rolling","start":399.925,"end":400.405,"confidence":1.0,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.20225365459918976},{"word":"average","start":400.405,"end":400.805,"confidence":0.99902344,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.20344048738479617},{"word":"on","start":400.805,"end":400.965,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.23793143033981323},{"word":"your","start":400.965,"end":401.125,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2350030541419983},{"word":"current","start":401.125,"end":401.625,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.16765379905700684},{"word":"portfolio","start":401.685,"end":402.185,"confidence":1.0,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.16110676527023315},{"word":"now","start":403.525,"end":403.845,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.19511061906814575},{"word":"on","start":403.845,"end":404.005,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.24841511249542236},{"word":"the","start":404.005,"end":404.165,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2254597544670105},{"word":"other","start":404.165,"end":404.405,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1276579350233078},{"word":"side","start":404.405,"end":404.725,"confidence":0.9975586,"punctuated_word":"side,","sentiment":"neutral","sentiment_score":0.17684227228164673},{"word":"you","start":404.725,"end":404.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1958124041557312},{"word":"can","start":404.805,"end":405.045,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2011021226644516},{"word":"see","start":405.045,"end":405.285,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2106064409017563},{"word":"recommended","start":405.285,"end":405.785,"confidence":0.9995117,"punctuated_word":"recommended.","sentiment":"neutral","sentiment_score":0.20030897855758667},{"word":"so","start":407.22,"end":407.54,"confidence":0.9370117,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3251321315765381},{"word":"like","start":407.54,"end":407.7,"confidence":0.73339844,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.4064119160175323},{"word":"i","start":407.7,"end":407.78,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3763546347618103},{"word":"said","start":407.78,"end":407.94,"confidence":0.9995117,"punctuated_word":"said,","sentiment":"positive","sentiment_score":0.341047078371048},{"word":"i","start":407.94,"end":408.1,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5288792848587036},{"word":"have","start":408.1,"end":408.26,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.511584460735321},{"word":"recommended","start":408.26,"end":408.76,"confidence":0.9941406,"punctuated_word":"recommended","sentiment":"positive","sentiment_score":0.5006927251815796},{"word":"staying","start":408.82,"end":408.98,"confidence":0.40454102,"punctuated_word":"staying","sentiment":"positive","sentiment_score":0.4160387814044952},{"word":"in","start":408.98,"end":409.06,"confidence":0.2783203,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4385667145252228},{"word":"hub","start":409.06,"end":409.30002,"confidence":0.6220703,"punctuated_word":"hub","sentiment":"positive","sentiment_score":0.3903607428073883},{"word":"twenty","start":409.30002,"end":409.54,"confidence":0.9980469,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.49871665239334106},{"word":"four","start":409.54,"end":409.86002,"confidence":0.9970703,"punctuated_word":"four","sentiment":"positive","sentiment_score":0.47681859135627747},{"word":"literally","start":409.86002,"end":410.26,"confidence":0.4506836,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":0.2950412333011627},{"word":"just","start":410.26,"end":410.42,"confidence":0.9892578,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3836578130722046},{"word":"changing","start":410.42,"end":410.90002,"confidence":0.48632812,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.31696194410324097},{"word":"investments","start":410.90002,"end":411.40002,"confidence":0.7709961,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.20502659678459167},{"word":"so","start":411.46002,"end":411.7,"confidence":0.99316406,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.34946876764297485},{"word":"not","start":411.7,"end":411.94,"confidence":0.9291992,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.26230955123901367},{"word":"changing","start":411.94,"end":412.34,"confidence":1.0,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.20444045960903168},{"word":"insurances","start":412.34,"end":412.84,"confidence":0.8063965,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.19294679164886477},{"word":"or","start":412.90002,"end":413.06,"confidence":0.94628906,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.30194994807243347},{"word":"contributions","start":413.06,"end":413.56,"confidence":0.98095703,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.21719467639923096},{"word":"or","start":413.86002,"end":414.1,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.29360994696617126},{"word":"anything","start":414.1,"end":414.42,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.2578642964363098},{"word":"like","start":414.42,"end":414.66,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.28068622946739197},{"word":"that","start":414.66,"end":415.16,"confidence":0.88916016,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.3683202266693115},{"word":"just","start":415.46002,"end":415.78,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3451782763004303},{"word":"your","start":415.78,"end":416.18002,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3801545202732086},{"word":"investment","start":416.18002,"end":416.68002,"confidence":0.84228516,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.27341145277023315},{"word":"and","start":416.90002,"end":417.06,"confidence":0.99902344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.5858439207077026},{"word":"you","start":417.06,"end":417.22,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6696687936782837},{"word":"can","start":417.22,"end":417.54,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6507296562194824},{"word":"see","start":417.54,"end":417.78,"confidence":0.99902344,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.6613909006118774},{"word":"by","start":417.78,"end":418.02002,"confidence":0.90722656,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.7047406435012817},{"word":"just","start":418.02002,"end":418.34,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.6900597810745239},{"word":"taking","start":418.34,"end":418.74002,"confidence":0.9951172,"punctuated_word":"taking","sentiment":"positive","sentiment_score":0.7253435254096985},{"word":"the","start":418.74002,"end":419.14,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6925093531608582},{"word":"investment","start":419.14,"end":419.64,"confidence":0.94384766,"punctuated_word":"investment,","sentiment":"positive","sentiment_score":0.5920385718345642},{"word":"the","start":421.155,"end":421.555,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7925376296043396},{"word":"total","start":421.555,"end":422.035,"confidence":0.9970703,"punctuated_word":"total","sentiment":"positive","sentiment_score":0.7919973731040955},{"word":"cost","start":422.035,"end":422.435,"confidence":0.99902344,"punctuated_word":"cost","sentiment":"positive","sentiment_score":0.7345196604728699},{"word":"is","start":422.435,"end":422.67502,"confidence":0.9970703,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6988912224769592},{"word":"actually","start":422.67502,"end":422.995,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.7243371605873108},{"word":"saving","start":422.995,"end":423.475,"confidence":1.0,"punctuated_word":"saving","sentiment":"positive","sentiment_score":0.5969492793083191},{"word":"you","start":423.475,"end":423.715,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7252456545829773},{"word":"about","start":423.715,"end":424.035,"confidence":1.0,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.6764665246009827},{"word":"$474","start":424.035,"end":426.11502,"confidence":0.9995117,"punctuated_word":"$474","sentiment":"positive","sentiment_score":0.6920289993286133},{"word":"in","start":426.11502,"end":426.275,"confidence":0.98095703,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6756421327590942},{"word":"investment","start":426.275,"end":426.755,"confidence":0.9111328,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.4147122800350189},{"word":"fees","start":426.755,"end":427.075,"confidence":0.97314453,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.6444348692893982},{"word":"a","start":427.075,"end":427.155,"confidence":0.99121094,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6161876916885376},{"word":"lot","start":427.155,"end":427.475,"confidence":0.8208008,"punctuated_word":"lot,","sentiment":"positive","sentiment_score":0.648760199546814},{"word":"which","start":427.475,"end":427.715,"confidence":0.8881836,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.7099339962005615},{"word":"i","start":427.715,"end":427.795,"confidence":0.8339844,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7071816921234131},{"word":"thought","start":427.795,"end":428.035,"confidence":0.9970703,"punctuated_word":"thought","sentiment":"positive","sentiment_score":0.6874750852584839},{"word":"was","start":428.035,"end":428.195,"confidence":0.99316406,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.7188828587532043},{"word":"pretty","start":428.195,"end":428.695,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6852255463600159},{"word":"good","start":430.195,"end":430.435,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5331595540046692},{"word":"yeah","start":430.435,"end":430.935,"confidence":0.9848633,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.29664576053619385},{"word":"now","start":431.555,"end":431.795,"confidence":0.7416992,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.3291280269622803},{"word":"i","start":431.795,"end":431.875,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2908990681171417},{"word":"do","start":431.875,"end":432.11502,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2665994167327881},{"word":"also","start":432.11502,"end":432.515,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2512686550617218},{"word":"want","start":432.515,"end":432.755,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.1707659512758255},{"word":"to","start":432.755,"end":432.83502,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18892791867256165},{"word":"let","start":432.83502,"end":432.995,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.19372421503067017},{"word":"you","start":432.995,"end":433.155,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21713736653327945},{"word":"know","start":433.155,"end":433.315,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.24474981427192688},{"word":"we","start":433.315,"end":433.39502,"confidence":0.63623047,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3191303610801697},{"word":"did","start":433.39502,"end":433.635,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.25301653146743774},{"word":"obviously","start":433.635,"end":434.11502,"confidence":0.8745117,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.28668907284736633},{"word":"consider","start":434.11502,"end":434.61502,"confidence":0.9941406,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.1299036294221878},{"word":"capital","start":435.34998,"end":435.75,"confidence":0.99902344,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.08460655808448792},{"word":"gains","start":435.75,"end":435.99,"confidence":0.9970703,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.11705450713634492},{"word":"tax","start":435.99,"end":436.47,"confidence":0.8483887,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.20646724104881287},{"word":"wanting","start":436.47,"end":436.78998,"confidence":0.9970703,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.16404053568840027},{"word":"to","start":436.78998,"end":437.03,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10369989275932312},{"word":"minimize","start":437.03,"end":437.50998,"confidence":1.0,"punctuated_word":"minimize","sentiment":"neutral","sentiment_score":0.07414834201335907},{"word":"that","start":437.50998,"end":437.66998,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15892744064331055},{"word":"as","start":437.66998,"end":437.83,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19686511158943176},{"word":"much","start":437.83,"end":438.06998,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.20062881708145144},{"word":"as","start":438.06998,"end":438.22998,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23543456196784973},{"word":"possible","start":438.22998,"end":438.71,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.20207616686820984},{"word":"with","start":438.71,"end":439.03,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.23463869094848633},{"word":"the","start":439.03,"end":439.27,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2258729338645935},{"word":"investment","start":439.27,"end":439.77,"confidence":0.99609375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.16749384999275208},{"word":"changes","start":439.91,"end":440.41,"confidence":0.9655762,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":0.16953599452972412},{"word":"and","start":440.94998,"end":441.11,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2566956579685211},{"word":"when","start":441.11,"end":441.34998,"confidence":0.9980469,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.4054073989391327},{"word":"we","start":441.34998,"end":441.50998,"confidence":0.99902344,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.36359381675720215},{"word":"did","start":441.50998,"end":441.75,"confidence":0.95947266,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.27747151255607605},{"word":"do","start":441.75,"end":441.99,"confidence":0.84814453,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.31343767046928406},{"word":"the","start":441.99,"end":442.15,"confidence":0.9941406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34448498487472534},{"word":"research","start":442.15,"end":442.65,"confidence":0.99902344,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.32750988006591797},{"word":"for","start":443.34998,"end":443.84998,"confidence":0.5419922,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2535698413848877},{"word":"at","start":444.38998,"end":444.55,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17336714267730713},{"word":"the","start":444.55,"end":444.71,"confidence":0.9667969,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15911081433296204},{"word":"time","start":444.71,"end":444.94998,"confidence":0.9975586,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.17825506627559662},{"word":"there","start":444.94998,"end":445.19,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.24379733204841617},{"word":"is","start":445.19,"end":445.43,"confidence":0.8598633,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1663311868906021},{"word":"no","start":445.43,"end":445.66998,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.181799054145813},{"word":"estimated","start":445.66998,"end":446.15,"confidence":0.98535156,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":0.2314673662185669},{"word":"capital","start":446.15,"end":446.55,"confidence":0.99902344,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.05554749071598053},{"word":"gains","start":446.55,"end":446.78998,"confidence":0.83251953,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.1358717381954193},{"word":"tax","start":446.78998,"end":447.03,"confidence":0.99365234,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.2430737018585205},{"word":"which","start":447.03,"end":447.27,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4748609662055969},{"word":"is","start":447.27,"end":447.43,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.509343147277832},{"word":"great","start":447.43,"end":447.93,"confidence":0.99902344,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.5016212463378906},{"word":"now","start":450.215,"end":450.535,"confidence":0.9316406,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.3532715439796448},{"word":"in","start":450.535,"end":450.775,"confidence":0.9951172,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4504061937332154},{"word":"terms","start":450.775,"end":451.17502,"confidence":1.0,"punctuated_word":"terms","sentiment":"positive","sentiment_score":0.4356649518013001},{"word":"of","start":451.17502,"end":451.67502,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4984652996063232},{"word":"an","start":451.73502,"end":452.135,"confidence":0.97314453,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.47701147198677063},{"word":"investment","start":452.135,"end":452.635,"confidence":0.8745117,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.32062003016471863},{"word":"return","start":453.015,"end":453.495,"confidence":0.99853516,"punctuated_word":"return,","sentiment":"positive","sentiment_score":0.420048475265503},{"word":"you","start":453.495,"end":453.73502,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4037589430809021},{"word":"can","start":453.73502,"end":453.975,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.33735230565071106},{"word":"see","start":453.975,"end":454.215,"confidence":1.0,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.35025808215141296},{"word":"here","start":454.215,"end":454.45502,"confidence":1.0,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.3680058419704437},{"word":"that","start":454.45502,"end":454.775,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4092303514480591},{"word":"using","start":454.775,"end":455.17502,"confidence":0.99902344,"punctuated_word":"using","sentiment":"positive","sentiment_score":0.4470914304256439},{"word":"the","start":455.17502,"end":455.335,"confidence":0.9921875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.472554475069046},{"word":"same","start":455.335,"end":455.835,"confidence":1.0,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.4594045281410218},{"word":"three","start":455.89502,"end":456.135,"confidence":0.9980469,"punctuated_word":"three","sentiment":"positive","sentiment_score":0.35474005341529846},{"word":"year","start":456.135,"end":456.45502,"confidence":0.99902344,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.40465956926345825},{"word":"rolling","start":456.45502,"end":456.935,"confidence":1.0,"punctuated_word":"rolling","sentiment":"positive","sentiment_score":0.4365271329879761},{"word":"average","start":456.935,"end":457.435,"confidence":0.99194336,"punctuated_word":"average,","sentiment":"positive","sentiment_score":0.4594647884368897},{"word":"the","start":457.89502,"end":458.135,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5906147956848145},{"word":"new","start":458.135,"end":458.375,"confidence":1.0,"punctuated_word":"new","sentiment":"positive","sentiment_score":0.5892499685287476},{"word":"recommended","start":458.375,"end":458.875,"confidence":1.0,"punctuated_word":"recommended","sentiment":"positive","sentiment_score":0.5600771307945251},{"word":"portfolio","start":459.015,"end":459.495,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.45276013016700745},{"word":"has","start":459.495,"end":459.73502,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5108834505081177},{"word":"performed","start":459.73502,"end":460.135,"confidence":1.0,"punctuated_word":"performed","sentiment":"positive","sentiment_score":0.5694607496261597},{"word":"a","start":460.135,"end":460.295,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5777065753936768},{"word":"little","start":460.295,"end":460.45502,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.3579230308532715},{"word":"bit","start":460.45502,"end":460.615,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3648280203342438},{"word":"better","start":460.615,"end":461.095,"confidence":1.0,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.4355391263961792},{"word":"at","start":461.095,"end":461.335,"confidence":0.734375,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4366128146648407},{"word":"17.32%","start":461.335,"end":463.515,"confidence":0.86987305,"punctuated_word":"17.32%.","sentiment":"positive","sentiment_score":0.3342513144016266},{"word":"does","start":463.655,"end":463.86,"confidence":0.59716797,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.2059134989976883},{"word":"does","start":463.93997,"end":464.02,"confidence":0.98095703,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.22009611129760745},{"word":"that","start":464.02,"end":464.18,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2731286287307739},{"word":"all","start":464.18,"end":464.25998,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2610814869403839},{"word":"make","start":464.25998,"end":464.34,"confidence":0.9863281,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.22674861550331116},{"word":"sense","start":464.34,"end":464.65997,"confidence":1.0,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.1944638639688492},{"word":"so","start":464.65997,"end":464.81998,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.18373337388038635},{"word":"far","start":464.81998,"end":465.31998,"confidence":1.0,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.1616864949464798},{"word":"perfect","start":466.97998,"end":467.46,"confidence":0.9885254,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4665316939353943},{"word":"now","start":467.46,"end":467.69998,"confidence":0.9506836,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2762294411659241},{"word":"if","start":467.69998,"end":467.86,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.28951171040534973},{"word":"you","start":467.86,"end":467.93997,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24080748856067655},{"word":"scroll","start":467.93997,"end":468.25998,"confidence":0.9951172,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.24683509767055511},{"word":"down","start":468.25998,"end":468.65997,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.28466126322746277},{"word":"one","start":468.65997,"end":468.81998,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1775568127632141},{"word":"page","start":468.81998,"end":469.21997,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.1574692279100418},{"word":"for","start":469.21997,"end":469.3,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15303020179271698},{"word":"me","start":469.3,"end":469.53998,"confidence":0.99853516,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.1932905614376068},{"word":"you","start":469.53998,"end":469.69998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20608951151371},{"word":"can","start":469.69998,"end":469.86,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19674384593963623},{"word":"actually","start":469.86,"end":470.25998,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.21640890836715695},{"word":"see","start":470.25998,"end":470.5,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.22594520449638367},{"word":"i","start":470.5,"end":470.58,"confidence":0.91845703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1764669567346573},{"word":"have","start":470.58,"end":470.74,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17786099016666412},{"word":"this","start":470.74,"end":470.97998,"confidence":0.95166016,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.20167848467826843},{"word":"projected","start":470.97998,"end":471.47998,"confidence":0.8857422,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.2560364902019501},{"word":"that","start":471.53998,"end":471.69998,"confidence":0.48950195,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2119143009185791},{"word":"forward","start":471.69998,"end":472.09998,"confidence":0.8857422,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.1890770792961121},{"word":"for","start":472.09998,"end":472.34,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1592235267162323},{"word":"five","start":472.34,"end":472.65997,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.18546345829963684},{"word":"and","start":472.65997,"end":472.97998,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1633300930261612},{"word":"ten","start":472.97998,"end":473.21997,"confidence":0.9980469,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.19448259472846985},{"word":"years","start":473.21997,"end":473.69998,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.14357587695121765},{"word":"to","start":473.69998,"end":473.93997,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18109464645385745},{"word":"show","start":473.93997,"end":474.18,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.11121848970651628},{"word":"you","start":474.18,"end":474.68,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12987518310546875},{"word":"kind","start":474.74,"end":474.97998,"confidence":0.98095703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.23826628923416135},{"word":"of","start":474.97998,"end":475.3,"confidence":0.9885254,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.2552601993083954},{"word":"yeah","start":475.3,"end":475.62,"confidence":0.99902344,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.30562296509742737},{"word":"the","start":475.62,"end":475.86,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2842290997505188},{"word":"compounding","start":475.86,"end":476.36,"confidence":1.0,"punctuated_word":"compounding","sentiment":"neutral","sentiment_score":0.2638698220252991},{"word":"difference","start":476.5,"end":477.0,"confidence":0.95532227,"punctuated_word":"difference,","sentiment":"neutral","sentiment_score":0.24592560529708865},{"word":"which","start":478.155,"end":478.39502,"confidence":0.9741211,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.26784563064575195},{"word":"just","start":478.39502,"end":478.635,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2340090572834015},{"word":"shows","start":478.635,"end":478.795,"confidence":0.99902344,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.16971281170845032},{"word":"you","start":478.795,"end":479.035,"confidence":0.9770508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27697253227233887},{"word":"as","start":479.035,"end":479.11502,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2758128046989441},{"word":"well","start":479.11502,"end":479.355,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.25424709916114807},{"word":"that","start":479.355,"end":479.515,"confidence":0.97998047,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.34634166955947876},{"word":"just","start":479.515,"end":479.83502,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.40827158093452454},{"word":"making","start":479.83502,"end":479.995,"confidence":0.99902344,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.4631309509277344},{"word":"a","start":479.995,"end":480.155,"confidence":0.5,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4576588273048401},{"word":"couple","start":480.155,"end":480.39502,"confidence":1.0,"punctuated_word":"couple","sentiment":"positive","sentiment_score":0.46970558166503906},{"word":"of","start":480.39502,"end":480.555,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.46125879883766174},{"word":"changes","start":480.555,"end":481.055,"confidence":0.9941406,"punctuated_word":"changes,","sentiment":"positive","sentiment_score":0.4763367176055908},{"word":"reducing","start":481.11502,"end":481.515,"confidence":0.9970703,"punctuated_word":"reducing","sentiment":"positive","sentiment_score":0.4164524674415589},{"word":"fees","start":481.515,"end":481.915,"confidence":0.99316406,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.3827604353427887},{"word":"a","start":481.915,"end":481.995,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4250708222389221},{"word":"little","start":481.995,"end":482.315,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.3838483691215515},{"word":"bit","start":482.315,"end":482.555,"confidence":0.9501953,"punctuated_word":"bit,","sentiment":"positive","sentiment_score":0.40281152725219727},{"word":"and","start":482.555,"end":482.875,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4473417103290558},{"word":"improving","start":482.875,"end":483.275,"confidence":0.99902344,"punctuated_word":"improving","sentiment":"positive","sentiment_score":0.5255254507064819},{"word":"those","start":483.275,"end":483.515,"confidence":0.98828125,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.576583206653595},{"word":"returns","start":483.515,"end":483.83502,"confidence":0.9692383,"punctuated_word":"returns,","sentiment":"positive","sentiment_score":0.575559139251709},{"word":"it","start":483.83502,"end":484.075,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5989440083503723},{"word":"does","start":484.075,"end":484.23502,"confidence":1.0,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.5910897850990295},{"word":"make","start":484.23502,"end":484.39502,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.5344630479812622},{"word":"a","start":484.39502,"end":484.555,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5213443040847778},{"word":"pretty","start":484.555,"end":484.795,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.495343804359436},{"word":"big","start":484.795,"end":485.035,"confidence":1.0,"punctuated_word":"big","sentiment":"positive","sentiment_score":0.4997972249984741},{"word":"difference","start":485.035,"end":485.435,"confidence":0.9980469,"punctuated_word":"difference","sentiment":"positive","sentiment_score":0.48480772972106934},{"word":"when","start":485.435,"end":485.67502,"confidence":0.9980469,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.5910424590110779},{"word":"we're","start":485.67502,"end":485.83502,"confidence":0.9753418,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.49961015582084656},{"word":"kind","start":485.83502,"end":485.995,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.4626911282539368},{"word":"of","start":485.995,"end":486.23502,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.48989689350128174},{"word":"compounding","start":486.23502,"end":486.73502,"confidence":0.9995117,"punctuated_word":"compounding","sentiment":"positive","sentiment_score":0.4750653803348541},{"word":"that","start":486.795,"end":487.035,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.46400782465934753},{"word":"forward","start":487.035,"end":487.355,"confidence":0.9980469,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.4124018549919128},{"word":"for","start":487.355,"end":487.515,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4277011752128601},{"word":"you","start":487.515,"end":488.015,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.30455613136291504},{"word":"and","start":489.69,"end":489.93,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21762271225452423},{"word":"you","start":489.93,"end":490.09,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21510636806488037},{"word":"can","start":490.09,"end":490.25,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.23529304563999176},{"word":"also","start":490.25,"end":490.49,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.19167280197143555},{"word":"see","start":490.49,"end":490.72998,"confidence":0.98291016,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.22358909249305725},{"word":"i","start":490.72998,"end":490.81,"confidence":0.9223633,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23099248111248016},{"word":"have","start":490.81,"end":491.05,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24105554819107056},{"word":"included","start":491.05,"end":491.55,"confidence":1.0,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.2553333342075348},{"word":"a","start":492.00998,"end":492.16998,"confidence":0.6982422,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.199304461479187},{"word":"bit","start":492.16998,"end":492.33,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.17148295044898987},{"word":"more","start":492.33,"end":492.56998,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.15701699256896973},{"word":"on","start":492.56998,"end":492.65,"confidence":0.6464844,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.22274643182754517},{"word":"the","start":492.65,"end":492.72998,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15052172541618347},{"word":"return","start":492.72998,"end":493.21,"confidence":0.6789551,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.2003155946731567},{"word":"so","start":493.21,"end":493.44998,"confidence":0.9951172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.22497501969337463},{"word":"i","start":493.44998,"end":493.53,"confidence":0.8588867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21904219686985016},{"word":"show","start":493.53,"end":493.77,"confidence":0.6245117,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.2105419933795929},{"word":"you","start":493.77,"end":494.09,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21338894963264465},{"word":"more","start":494.09,"end":494.41,"confidence":0.98828125,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1668769121170044},{"word":"so","start":494.41,"end":494.88998,"confidence":0.7895508,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1948343962430954},{"word":"parents","start":494.88998,"end":495.28998,"confidence":0.43920898,"punctuated_word":"parents","sentiment":"neutral","sentiment_score":0.2356642335653305},{"word":"as","start":495.28998,"end":495.37,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2435757517814636},{"word":"well","start":495.37,"end":495.61,"confidence":0.9379883,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2043454945087433},{"word":"so","start":495.61,"end":495.69,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2681933045387268},{"word":"the","start":495.69,"end":495.93,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28907617926597595},{"word":"twelve","start":495.93,"end":496.16998,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.21725307404994965},{"word":"month","start":496.16998,"end":496.41,"confidence":0.99902344,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.174051433801651},{"word":"period","start":496.41,"end":496.72998,"confidence":0.9885254,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.276028573513031},{"word":"which","start":496.72998,"end":496.97,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.3031943142414093},{"word":"you","start":496.97,"end":497.05,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2979893088340759},{"word":"can","start":497.05,"end":497.21,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2520999312400818},{"word":"see","start":497.21,"end":497.37,"confidence":0.9921875,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.3198106288909912},{"word":"is","start":497.37,"end":497.53,"confidence":0.9790039,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2274947315454483},{"word":"a","start":497.53,"end":497.61,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26642367243766785},{"word":"pretty","start":497.61,"end":497.84998,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2616533935070038},{"word":"big","start":497.84998,"end":498.00998,"confidence":1.0,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.29611268639564514},{"word":"difference","start":498.00998,"end":498.50998,"confidence":0.85791016,"punctuated_word":"difference.","sentiment":"neutral","sentiment_score":0.2507028579711914},{"word":"obviously","start":499.21,"end":499.71,"confidence":0.99121094,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.24874304234981537},{"word":"three","start":499.84998,"end":500.09,"confidence":0.88183594,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.2673609256744385},{"word":"years","start":500.09,"end":500.49,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.26217949390411377},{"word":"is","start":500.49,"end":500.65,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2561865448951721},{"word":"also","start":500.65,"end":501.05,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2383985221385956},{"word":"improved","start":501.05,"end":501.55,"confidence":0.7607422,"punctuated_word":"improved,","sentiment":"neutral","sentiment_score":0.2605949342250824},{"word":"and","start":501.93,"end":502.09,"confidence":0.96972656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2229326069355011},{"word":"then","start":502.09,"end":502.545,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.25835955142974854},{"word":"five","start":502.785,"end":503.02502,"confidence":0.9970703,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.2570202648639679},{"word":"years","start":503.02502,"end":503.505,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.24990007281303409},{"word":"in","start":503.505,"end":503.905,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2139277458190918},{"word":"the","start":503.905,"end":504.225,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2036285102367401},{"word":"recommended","start":504.225,"end":504.725,"confidence":0.99609375,"punctuated_word":"recommended.","sentiment":"neutral","sentiment_score":0.18680015206336975},{"word":"now","start":504.86502,"end":505.18503,"confidence":0.74853516,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.046868063509464264},{"word":"some","start":505.18503,"end":505.345,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.19211432337760925},{"word":"of","start":505.345,"end":505.505,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16529904305934906},{"word":"the","start":505.505,"end":505.74503,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19081953167915344},{"word":"investments","start":505.74503,"end":506.14502,"confidence":0.9790039,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.10121473670005798},{"word":"in","start":506.14502,"end":506.385,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.19633808732032776},{"word":"your","start":506.385,"end":506.545,"confidence":0.84472656,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2040768563747406},{"word":"current","start":506.545,"end":506.785,"confidence":0.96240234,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.23408745229244232},{"word":"one","start":506.785,"end":507.285,"confidence":0.9406738,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.20813903212547305},{"word":"haven't","start":507.58502,"end":507.825,"confidence":0.99902344,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.1843675971031189},{"word":"been","start":507.825,"end":508.065,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.2246702015399933},{"word":"around","start":508.065,"end":508.30502,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.27656781673431396},{"word":"for","start":508.30502,"end":508.625,"confidence":0.94140625,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.25228187441825867},{"word":"five","start":508.625,"end":508.785,"confidence":0.9980469,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.26684531569480896},{"word":"years","start":508.785,"end":509.02502,"confidence":0.90283203,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.19152569770812988},{"word":"so","start":509.02502,"end":509.18503,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.2090499997138977},{"word":"i","start":509.18503,"end":509.345,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22898320853710177},{"word":"couldn't","start":509.345,"end":509.58502,"confidence":1.0,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.22415803372859955},{"word":"give","start":509.58502,"end":509.825,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.15576177835464478},{"word":"you","start":509.825,"end":510.065,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.22871819138526917},{"word":"the","start":510.065,"end":510.225,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17587995529174805},{"word":"five","start":510.225,"end":510.46503,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.22114048898220065},{"word":"year","start":510.46503,"end":510.96503,"confidence":0.8886719,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.1640935093164444},{"word":"for","start":511.105,"end":511.265,"confidence":0.97802734,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1882348656654358},{"word":"that","start":511.265,"end":511.42502,"confidence":0.9494629,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.09937907755374908},{"word":"so","start":511.42502,"end":511.58502,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06344018131494522},{"word":"that's","start":511.58502,"end":511.825,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0743715763092041},{"word":"why","start":511.825,"end":511.98502,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.05900721251964569},{"word":"we've","start":511.98502,"end":512.22504,"confidence":0.9980469,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.081783726811409},{"word":"used","start":512.22504,"end":512.54504,"confidence":1.0,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.09535425156354904},{"word":"the","start":512.54504,"end":512.78503,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07615397870540619},{"word":"three","start":512.78503,"end":513.025,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.07166953384876251},{"word":"years","start":513.025,"end":513.265,"confidence":0.9819336,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.07546816021203995},{"word":"as","start":513.265,"end":513.425,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08274337649345398},{"word":"a","start":513.425,"end":513.585,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0857171043753624},{"word":"comparison","start":513.585,"end":514.085,"confidence":0.8071289,"punctuated_word":"comparison,","sentiment":"neutral","sentiment_score":0.12323731184005736},{"word":"but","start":514.56,"end":514.72,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.16920092701911926},{"word":"i","start":514.72,"end":514.88,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2139870524406433},{"word":"just","start":514.88,"end":514.96,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23419827222824097},{"word":"wanted","start":514.96,"end":515.2,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.24565072357654572},{"word":"to","start":515.2,"end":515.44,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35186395049095154},{"word":"show","start":515.44,"end":515.6,"confidence":0.99902344,"punctuated_word":"show","sentiment":"positive","sentiment_score":0.4509315490722656},{"word":"you","start":515.6,"end":515.84,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.48575884103775024},{"word":"a","start":515.84,"end":516.0,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4051574468612671},{"word":"little","start":516.0,"end":516.16,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2747200131416321},{"word":"bit","start":516.16,"end":516.4,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.29619595408439636},{"word":"more","start":516.4,"end":516.56,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.379148542881012},{"word":"as","start":516.56,"end":516.8,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3765251934528351},{"word":"well","start":516.8,"end":517.04,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.4471223652362823},{"word":"on","start":517.04,"end":517.12,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5175636410713196},{"word":"the","start":517.12,"end":517.27997,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4822347164154053},{"word":"recommended","start":517.27997,"end":517.77997,"confidence":1.0,"punctuated_word":"recommended","sentiment":"positive","sentiment_score":0.4672715663909912},{"word":"return","start":517.92,"end":518.32,"confidence":0.8095703,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.44399958848953247},{"word":"set","start":518.32,"end":518.82,"confidence":0.84716797,"punctuated_word":"set.","sentiment":"positive","sentiment_score":0.3682580590248108},{"word":"all","start":520.16,"end":520.4,"confidence":0.87060547,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.431242436170578},{"word":"makes","start":520.4,"end":520.64,"confidence":0.7246094,"punctuated_word":"makes","sentiment":"positive","sentiment_score":0.3664780855178833},{"word":"sense","start":520.64,"end":520.8,"confidence":0.9970703,"punctuated_word":"sense","sentiment":"positive","sentiment_score":0.3634169697761536},{"word":"as","start":520.8,"end":521.04,"confidence":0.29858398,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4789090752601623},{"word":"far","start":521.04,"end":521.2,"confidence":0.8378906,"punctuated_word":"far","sentiment":"positive","sentiment_score":0.5664577484130859},{"word":"as","start":521.2,"end":521.36,"confidence":0.9892578,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5051144957542419},{"word":"well","start":521.36,"end":521.44,"confidence":0.7480469,"punctuated_word":"well?","sentiment":"positive","sentiment_score":0.5263124108314514},{"word":"pretty","start":521.44,"end":521.76,"confidence":0.9980469,"punctuated_word":"Pretty","sentiment":"positive","sentiment_score":0.5973522663116455},{"word":"straightforward","start":521.76,"end":522.26,"confidence":0.9099121,"punctuated_word":"straightforward?","sentiment":"positive","sentiment_score":0.4099083542823791},{"word":"yeah","start":522.96,"end":523.44,"confidence":0.8708496,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.418030321598053},{"word":"perfect","start":523.44,"end":523.94,"confidence":0.99560547,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.569859504699707},{"word":"now","start":524.48,"end":524.72,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.23556113243103027},{"word":"if","start":524.72,"end":524.88,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.20546740293502808},{"word":"you","start":524.88,"end":524.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16967003047466278},{"word":"can","start":524.96,"end":525.27997,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1806851178407669},{"word":"scroll","start":525.27997,"end":525.52,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.2021707594394684},{"word":"up","start":525.52,"end":525.76,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.17365264892578125},{"word":"for","start":525.76,"end":526.0,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13620825111865997},{"word":"me","start":526.0,"end":526.24,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.15103818476200104},{"word":"to","start":526.24,"end":526.48,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1724853813648224},{"word":"page","start":526.48,"end":526.88,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.19129717350006104},{"word":"16","start":526.88,"end":527.38,"confidence":0.97802734,"punctuated_word":"16,","sentiment":"neutral","sentiment_score":0.18628597259521484},{"word":"you","start":530.715,"end":530.875,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18967199325561523},{"word":"should","start":530.875,"end":531.115,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.19611211121082303},{"word":"see","start":531.115,"end":531.59503,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1455751210451126},{"word":"a","start":531.59503,"end":531.675,"confidence":0.6968994,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.15821705758571625},{"word":"like","start":531.675,"end":531.91504,"confidence":0.99560547,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.17206454277038574},{"word":"a","start":531.91504,"end":531.995,"confidence":0.8105469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20077979564666748},{"word":"asset","start":531.995,"end":532.315,"confidence":0.99902344,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.16415277123451233},{"word":"allocation","start":532.315,"end":532.815,"confidence":0.99902344,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.1243978589773178},{"word":"table","start":532.955,"end":533.35504,"confidence":0.9970703,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.2017284780740738},{"word":"and","start":533.35504,"end":533.515,"confidence":0.8833008,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1320570707321167},{"word":"a","start":533.515,"end":533.675,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1663518249988556},{"word":"pie","start":533.675,"end":533.91504,"confidence":1.0,"punctuated_word":"pie","sentiment":"neutral","sentiment_score":0.157279834151268},{"word":"chart","start":533.91504,"end":534.41504,"confidence":0.99365234,"punctuated_word":"chart.","sentiment":"neutral","sentiment_score":0.14926037192344666},{"word":"yep","start":535.755,"end":536.155,"confidence":0.74523926,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2112938761711121},{"word":"perfect","start":536.155,"end":536.655,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.46001213788986206},{"word":"now","start":536.955,"end":537.195,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.20889583230018616},{"word":"this","start":537.195,"end":537.35504,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1610891819000244},{"word":"just","start":537.35504,"end":537.59503,"confidence":0.98535156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18204429745674133},{"word":"shows","start":537.59503,"end":537.91504,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.18988759815692904},{"word":"you","start":537.91504,"end":538.235,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2051500380039215},{"word":"your","start":538.235,"end":538.47504,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2160654515028},{"word":"risk","start":538.47504,"end":538.795,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.15750423073768616},{"word":"profile","start":538.795,"end":539.275,"confidence":0.9921875,"punctuated_word":"profile.","sentiment":"neutral","sentiment_score":0.16466736793518066},{"word":"so","start":539.275,"end":539.435,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15273089706897736},{"word":"you","start":539.435,"end":539.59503,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16222110390663147},{"word":"can","start":539.59503,"end":539.755,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1962675154209137},{"word":"see","start":539.755,"end":539.91504,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.22820335626602173},{"word":"in","start":539.91504,"end":540.075,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23257604241371155},{"word":"the","start":540.075,"end":540.235,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21269133687019348},{"word":"second","start":540.235,"end":540.555,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.17564783990383148},{"word":"column","start":540.555,"end":541.03503,"confidence":0.75878906,"punctuated_word":"column,","sentiment":"neutral","sentiment_score":0.18141847848892212},{"word":"risk","start":541.03503,"end":541.35504,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.15251967310905457},{"word":"profile","start":541.35504,"end":541.85504,"confidence":0.810791,"punctuated_word":"profile,","sentiment":"neutral","sentiment_score":0.18300580978393555},{"word":"aiming","start":542.61,"end":542.77,"confidence":1.0,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.19317078590393064},{"word":"for","start":542.77,"end":543.09,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20085225999355316},{"word":"that","start":543.09,"end":543.33,"confidence":0.5390625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2167019098997116},{"word":"about","start":543.33,"end":543.73,"confidence":0.84765625,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.18279190361499784},{"word":"nine","start":543.73,"end":543.97003,"confidence":0.54052734,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.1801450252532959},{"word":"to","start":543.97003,"end":544.21,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13182871043682098},{"word":"10","start":544.21,"end":544.61,"confidence":1.0,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.1842728853225708},{"word":"allocation","start":544.61,"end":545.11,"confidence":0.85058594,"punctuated_word":"allocation,","sentiment":"neutral","sentiment_score":0.18105152249336243},{"word":"existing","start":546.13,"end":546.63,"confidence":0.9604492,"punctuated_word":"existing,","sentiment":"neutral","sentiment_score":0.1694803535938263},{"word":"and","start":547.25,"end":547.41003,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18923744559288025},{"word":"then","start":547.41003,"end":547.57,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2304675132036209},{"word":"also","start":547.57,"end":547.89,"confidence":0.9580078,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1905680149793625},{"word":"the","start":547.89,"end":548.13,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22423140704631803},{"word":"proposed","start":548.13,"end":548.63,"confidence":0.9951172,"punctuated_word":"proposed.","sentiment":"neutral","sentiment_score":0.1848132610321045},{"word":"so","start":548.85,"end":549.09,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24272355437278748},{"word":"you","start":549.09,"end":549.25,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2508329153060913},{"word":"can","start":549.25,"end":549.49,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.30374693870544434},{"word":"see","start":549.49,"end":549.65,"confidence":0.99902344,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.33692997694015503},{"word":"that","start":549.65,"end":549.97003,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3098815679550171},{"word":"both","start":549.97003,"end":550.29,"confidence":0.99609375,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.394753634929657},{"word":"the","start":550.29,"end":550.53,"confidence":0.9838867,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3676165044307709},{"word":"existing","start":550.53,"end":551.01,"confidence":1.0,"punctuated_word":"existing","sentiment":"neutral","sentiment_score":0.3151809275150299},{"word":"and","start":551.01,"end":551.17,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3524872362613678},{"word":"proposed","start":551.17,"end":551.65,"confidence":1.0,"punctuated_word":"proposed","sentiment":"positive","sentiment_score":0.3348221778869629},{"word":"are","start":551.65,"end":551.89,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3226681053638458},{"word":"very","start":551.89,"end":552.13,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.27467265725135803},{"word":"much","start":552.13,"end":552.37,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.30428197979927063},{"word":"aligned","start":552.37,"end":552.85,"confidence":0.99902344,"punctuated_word":"aligned","sentiment":"positive","sentiment_score":0.3633918762207031},{"word":"with","start":552.85,"end":553.09,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3424244225025177},{"word":"your","start":553.09,"end":553.25,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3547092080116272},{"word":"risk","start":553.25,"end":553.57,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.23763370513916016},{"word":"profile","start":553.57,"end":554.07,"confidence":0.99902344,"punctuated_word":"profile.","sentiment":"neutral","sentiment_score":0.2190655767917633},{"word":"you","start":554.53,"end":554.69,"confidence":0.9482422,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1627703607082367},{"word":"do","start":554.69,"end":554.85,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12816521525382996},{"word":"have","start":554.85,"end":555.09,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1119537279009819},{"word":"a","start":555.09,"end":555.25,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14564193785190582},{"word":"little","start":555.25,"end":555.49,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.11903568357229231},{"word":"bit","start":555.49,"end":555.73,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07779417186975479},{"word":"more","start":555.73,"end":556.05,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0841289833188057},{"word":"growth","start":556.05,"end":556.45,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.17368368804454803},{"word":"in","start":556.45,"end":556.61,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18302643299102783},{"word":"the","start":556.61,"end":556.77,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.207483172416687},{"word":"proposed","start":556.77,"end":557.27,"confidence":0.87841797,"punctuated_word":"proposed.","sentiment":"neutral","sentiment_score":0.1287868469953537},{"word":"still","start":557.97504,"end":558.215,"confidence":0.99609375,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":0.0523294061422348},{"word":"have","start":558.215,"end":558.375,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.029532134532928467},{"word":"some","start":558.375,"end":558.695,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.02303875982761383},{"word":"defensive","start":558.695,"end":559.195,"confidence":0.74438477,"punctuated_word":"defensive,","sentiment":"neutral","sentiment_score":0.030007533729076385},{"word":"though","start":559.255,"end":559.495,"confidence":0.9995117,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":0.037198279052972794},{"word":"to","start":559.495,"end":559.73505,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04163655638694763},{"word":"limit","start":559.73505,"end":560.055,"confidence":0.99902344,"punctuated_word":"limit","sentiment":"neutral","sentiment_score":0.06780727952718735},{"word":"those","start":560.055,"end":560.375,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0668458342552185},{"word":"fluctuations","start":560.375,"end":560.875,"confidence":0.9375,"punctuated_word":"fluctuations.","sentiment":"neutral","sentiment_score":0.047085005789995193},{"word":"makes","start":563.255,"end":563.495,"confidence":0.5966797,"punctuated_word":"Makes","sentiment":"neutral","sentiment_score":0.0858200192451477},{"word":"sense","start":563.495,"end":563.995,"confidence":0.9995117,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.10489369928836824},{"word":"yep","start":565.09503,"end":565.495,"confidence":0.8713379,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2370990812778473},{"word":"beautiful","start":565.495,"end":565.995,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5541666150093079},{"word":"and","start":566.455,"end":566.695,"confidence":0.78466797,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.25067517161369324},{"word":"what","start":566.695,"end":566.935,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17410412430763245},{"word":"that","start":566.935,"end":567.17505,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.140667125582695},{"word":"actually","start":567.17505,"end":567.495,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.12908153235912323},{"word":"looks","start":567.495,"end":567.815,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.1408431977033615},{"word":"like","start":567.815,"end":567.97504,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1243147999048233},{"word":"in","start":567.97504,"end":568.215,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09566596895456314},{"word":"terms","start":568.215,"end":568.53503,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.12892967462539673},{"word":"of","start":568.53503,"end":568.615,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1531863510608673},{"word":"the","start":568.615,"end":568.775,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16302861273288727},{"word":"investment","start":568.775,"end":569.275,"confidence":0.9941406,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.09897546470165253},{"word":"changes","start":569.41504,"end":569.895,"confidence":0.94384766,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.13249307870864868},{"word":"for","start":569.895,"end":570.135,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15559044480323792},{"word":"you","start":570.135,"end":570.455,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18827220797538757},{"word":"is","start":570.455,"end":570.695,"confidence":0.97314453,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10736972093582152},{"word":"if","start":570.695,"end":570.775,"confidence":0.86865234,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11905238032341003},{"word":"you","start":570.775,"end":570.935,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08598186820745468},{"word":"can","start":570.935,"end":571.17505,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0959496572613716},{"word":"scroll","start":571.17505,"end":571.495,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.0932161659002304},{"word":"up","start":571.495,"end":571.655,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.10344522446393968},{"word":"to","start":571.655,"end":571.815,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0937959998846054},{"word":"page","start":571.815,"end":572.215,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.0711163878440857},{"word":"15","start":572.215,"end":572.715,"confidence":0.98535156,"punctuated_word":"15.","sentiment":"neutral","sentiment_score":0.09852833300828934},{"word":"yep","start":576.17004,"end":576.57,"confidence":0.84228516,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.060400690883398056},{"word":"now","start":576.57,"end":576.81,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.039265938103199005},{"word":"this","start":576.81,"end":576.97003,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.01614571362733841},{"word":"might","start":576.97003,"end":577.13,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.009876884520053864},{"word":"look","start":577.13,"end":577.29004,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04528834670782089},{"word":"a","start":577.29004,"end":577.45,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009413594380021095},{"word":"little","start":577.45,"end":577.61005,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.038047030568122864},{"word":"bit","start":577.61005,"end":577.77,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.033821702003479004},{"word":"messy","start":577.77,"end":578.27,"confidence":0.92871094,"punctuated_word":"messy,","sentiment":"neutral","sentiment_score":0.0002977438271045685},{"word":"but","start":578.33,"end":578.49005,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.030447330325841904},{"word":"what","start":578.49005,"end":578.73004,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05328212305903435},{"word":"it","start":578.73004,"end":578.89,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07479943335056305},{"word":"basically","start":578.89,"end":579.37,"confidence":0.99902344,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.06726738810539246},{"word":"shows","start":579.37,"end":579.53,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.0964806228876114},{"word":"you","start":579.53,"end":579.77,"confidence":0.9641113,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.12767648696899414},{"word":"it","start":579.77,"end":579.85004,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1442819386720657},{"word":"shows","start":579.85004,"end":580.09,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.12958964705467224},{"word":"you","start":580.09,"end":580.33,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13495755195617676},{"word":"all","start":580.33,"end":580.49005,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.14072328805923462},{"word":"the","start":580.49005,"end":580.73004,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09063906222581863},{"word":"investments","start":580.73004,"end":581.23004,"confidence":0.9909668,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.08083280920982361},{"word":"it","start":581.61005,"end":581.77,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.13351351022720337},{"word":"also","start":581.77,"end":582.09,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.12693648040294647},{"word":"shows","start":582.09,"end":582.41003,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.11842195689678192},{"word":"you","start":582.41003,"end":582.57,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11882690340280531},{"word":"your","start":582.57,"end":582.81,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1087101399898529},{"word":"current","start":582.81,"end":583.29004,"confidence":0.984375,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.10759906470775604},{"word":"weight","start":583.29004,"end":583.77,"confidence":0.7246094,"punctuated_word":"weight","sentiment":"neutral","sentiment_score":0.08080753684043884},{"word":"in","start":583.77,"end":583.93,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09762872755527496},{"word":"them","start":583.93,"end":584.43,"confidence":0.9995117,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.08451205492019653},{"word":"you","start":584.73004,"end":584.81,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.0750243216753006},{"word":"can","start":584.81,"end":585.05005,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10109689831733704},{"word":"see","start":585.05005,"end":585.21,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.12723469734191897},{"word":"that","start":585.21,"end":585.37,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07739009708166122},{"word":"you","start":585.37,"end":585.53,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08796477317810059},{"word":"have","start":585.53,"end":585.77,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07129493355751038},{"word":"some","start":585.77,"end":586.245,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.034080620855093},{"word":"in","start":586.325,"end":586.645,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04701915755867958},{"word":"a","start":586.645,"end":586.725,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06682092696428299},{"word":"couple","start":586.725,"end":587.125,"confidence":0.8239746,"punctuated_word":"couple,","sentiment":"neutral","sentiment_score":0.065928153693676},{"word":"and","start":587.125,"end":587.285,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06278163194656372},{"word":"then","start":587.285,"end":587.445,"confidence":0.982666,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.07691233605146408},{"word":"like","start":587.445,"end":587.605,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07023211568593979},{"word":"the","start":587.605,"end":587.685,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07740584015846252},{"word":"bottom","start":587.685,"end":588.005,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.07128012180328369},{"word":"one","start":588.005,"end":588.165,"confidence":0.73876953,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06802874803543091},{"word":"where","start":588.165,"end":588.485,"confidence":0.21142578,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.038378022611141205},{"word":"it's","start":588.485,"end":588.645,"confidence":0.795166,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05066637322306633},{"word":"zero","start":588.645,"end":588.96497,"confidence":0.83447266,"punctuated_word":"zero,","sentiment":"neutral","sentiment_score":0.02473321184515953},{"word":"you","start":588.96497,"end":589.125,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006406277418136597},{"word":"don't","start":589.125,"end":589.365,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.017912164330482483},{"word":"have","start":589.365,"end":589.525,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0024591460824012756},{"word":"anything","start":589.525,"end":589.925,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.0004050806164741516},{"word":"at","start":589.925,"end":590.165,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.006761834025382996},{"word":"the","start":590.165,"end":590.325,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010077118873596191},{"word":"moment","start":590.325,"end":590.825,"confidence":0.90063477,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.01806497387588024},{"word":"what","start":591.445,"end":591.685,"confidence":0.99316406,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.05641620233654976},{"word":"that","start":591.685,"end":591.845,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05218687653541565},{"word":"looks","start":591.845,"end":592.165,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.051113102585077286},{"word":"like","start":592.165,"end":592.325,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0495421290397644},{"word":"in","start":592.325,"end":592.485,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05975405499339104},{"word":"terms","start":592.485,"end":592.725,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.08200487494468689},{"word":"of","start":592.725,"end":592.885,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06661595404148102},{"word":"the","start":592.885,"end":593.125,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07961143553256989},{"word":"balance","start":593.125,"end":593.625,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.05459435284137726},{"word":"and","start":593.765,"end":594.005,"confidence":0.52783203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08028170466423035},{"word":"then","start":594.005,"end":594.165,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0918310210108757},{"word":"the","start":594.165,"end":594.40497,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08169341087341309},{"word":"buy","start":594.40497,"end":594.645,"confidence":0.9980469,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.07594291865825653},{"word":"and","start":594.645,"end":594.885,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07073552161455154},{"word":"sell","start":594.885,"end":595.285,"confidence":1.0,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.05480301380157471},{"word":"column","start":595.285,"end":595.765,"confidence":0.98706055,"punctuated_word":"column.","sentiment":"neutral","sentiment_score":0.06223025918006897},{"word":"so","start":595.765,"end":596.005,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08328316360712051},{"word":"this","start":596.005,"end":596.245,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10553620755672456},{"word":"is","start":596.245,"end":596.325,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0762176662683487},{"word":"the","start":596.325,"end":596.485,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08813691884279251},{"word":"one","start":596.485,"end":596.725,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.10236702859401704},{"word":"where","start":596.725,"end":597.045,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.08186473697423935},{"word":"everything","start":597.045,"end":597.545,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.10729039460420609},{"word":"that","start":597.685,"end":597.925,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1052928864955902},{"word":"is","start":597.925,"end":598.165,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08244617283344269},{"word":"in","start":598.165,"end":598.565,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07140355557203293},{"word":"red","start":598.565,"end":599.065,"confidence":0.9980469,"punctuated_word":"red","sentiment":"neutral","sentiment_score":0.09807200729846954},{"word":"is","start":599.445,"end":599.605,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07521016895771027},{"word":"what","start":599.605,"end":599.845,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06390263140201569},{"word":"we","start":599.845,"end":600.005,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09506695717573166},{"word":"are","start":600.005,"end":600.245,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07667205482721329},{"word":"selling","start":600.245,"end":600.745,"confidence":0.9885254,"punctuated_word":"selling.","sentiment":"neutral","sentiment_score":0.07077175378799438},{"word":"what","start":601.64,"end":601.88,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.06348486989736557},{"word":"is","start":601.88,"end":602.12,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04999299719929695},{"word":"in","start":602.12,"end":602.44,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.037752389907836914},{"word":"black","start":602.44,"end":602.92004,"confidence":1.0,"punctuated_word":"black","sentiment":"neutral","sentiment_score":0.0805787667632103},{"word":"is","start":602.92004,"end":603.16003,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04607980698347092},{"word":"either","start":603.16003,"end":603.48004,"confidence":1.0,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.0533466674387455},{"word":"what","start":603.48004,"end":603.64,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.032759230583906174},{"word":"we","start":603.64,"end":603.88,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.038929931819438934},{"word":"are","start":603.88,"end":604.2,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.02801106870174408},{"word":"keeping","start":604.2,"end":604.60004,"confidence":1.0,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.06495089828968048},{"word":"in","start":604.60004,"end":604.84,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.047440338879823685},{"word":"your","start":604.84,"end":605.08,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06314656138420105},{"word":"portfolio","start":605.08,"end":605.58,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.038909632712602615},{"word":"or","start":606.36005,"end":606.68,"confidence":0.9741211,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06234204396605491},{"word":"then","start":606.68,"end":607.08,"confidence":0.9951172,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07176773995161057},{"word":"adding","start":607.08,"end":607.48004,"confidence":0.99902344,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.08183592557907104},{"word":"to","start":607.48004,"end":607.64,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07459577172994614},{"word":"your","start":607.64,"end":607.88,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05853921175003052},{"word":"portfolio","start":607.88,"end":608.38,"confidence":0.99902344,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.05658167600631714},{"word":"then","start":610.44,"end":610.68,"confidence":0.9970703,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.10604330152273178},{"word":"you","start":610.68,"end":610.84,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11224287748336792},{"word":"have","start":610.84,"end":611.08,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1240362823009491},{"word":"the","start":611.08,"end":611.32,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15151084959506989},{"word":"target","start":611.32,"end":611.72003,"confidence":1.0,"punctuated_word":"target","sentiment":"neutral","sentiment_score":0.1154826283454895},{"word":"weight","start":611.72003,"end":612.12,"confidence":0.5296631,"punctuated_word":"weight,","sentiment":"neutral","sentiment_score":0.11889995634555817},{"word":"so","start":612.12,"end":612.36005,"confidence":0.94628906,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12646958231925964},{"word":"what","start":612.36005,"end":612.60004,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.15025395154953003},{"word":"we","start":612.60004,"end":612.84,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1405114233493805},{"word":"are","start":612.84,"end":613.0,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.14319302141666412},{"word":"aiming","start":613.0,"end":613.4,"confidence":1.0,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.17333969473838806},{"word":"for","start":613.4,"end":613.64,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1671338677406311},{"word":"and","start":613.64,"end":613.8,"confidence":0.95947266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2049452513456345},{"word":"what","start":613.8,"end":614.04004,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.20584513247013092},{"word":"that","start":614.04004,"end":614.2,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1423059105873108},{"word":"looks","start":614.2,"end":614.52,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.12654650211334229},{"word":"like","start":614.52,"end":614.68,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.12052637338638306},{"word":"in","start":614.68,"end":614.92004,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14865778386592865},{"word":"terms","start":614.92004,"end":615.24,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.15014700591564178},{"word":"of","start":615.24,"end":615.4,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14043307304382324},{"word":"the","start":615.4,"end":615.56,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12563493847846985},{"word":"dollar","start":615.56,"end":616.04004,"confidence":1.0,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":0.12790463864803314},{"word":"value","start":616.04004,"end":616.54004,"confidence":0.9995117,"punctuated_word":"value.","sentiment":"neutral","sentiment_score":0.13245466351509094},{"word":"so","start":616.715,"end":617.03503,"confidence":0.9182129,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.13390186429023743},{"word":"essentially","start":617.03503,"end":617.53503,"confidence":0.99902344,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.10575836151838304},{"word":"to","start":617.675,"end":617.91504,"confidence":0.48583984,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11617141962051392},{"word":"try","start":617.91504,"end":618.075,"confidence":0.34960938,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.1494920253753662},{"word":"to","start":618.075,"end":618.315,"confidence":0.5551758,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11655563861131668},{"word":"summarize","start":618.315,"end":618.815,"confidence":0.9970703,"punctuated_word":"summarize","sentiment":"neutral","sentiment_score":0.09930092096328735},{"word":"that","start":618.875,"end":619.195,"confidence":0.5058594,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13142672181129456},{"word":"for","start":619.195,"end":619.275,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17399203777313232},{"word":"you","start":619.275,"end":619.775,"confidence":0.9770508,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.13521304726600647},{"word":"we","start":620.235,"end":620.47504,"confidence":0.9580078,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13388042151927948},{"word":"are","start":620.47504,"end":620.635,"confidence":0.9448242,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1523350030183792},{"word":"making","start":620.635,"end":620.955,"confidence":0.99609375,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.17897962033748627},{"word":"a","start":620.955,"end":621.03503,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1835659146308899},{"word":"couple","start":621.03503,"end":621.355,"confidence":0.9892578,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.14344674348831177},{"word":"of","start":621.355,"end":621.515,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1597042977809906},{"word":"changes","start":621.515,"end":622.015,"confidence":0.8522949,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":0.15181231498718262},{"word":"the","start":622.155,"end":622.395,"confidence":0.9951172,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.07701932638883591},{"word":"investments","start":622.395,"end":622.875,"confidence":0.92578125,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.05482196062803269},{"word":"of","start":622.875,"end":623.03503,"confidence":0.6381836,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.062141187489032745},{"word":"loss","start":623.03503,"end":623.435,"confidence":0.36865234,"punctuated_word":"loss,","sentiment":"neutral","sentiment_score":0.08884885162115097},{"word":"everything","start":623.435,"end":623.935,"confidence":0.6977539,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.13894271850585938},{"word":"stays","start":624.155,"end":624.635,"confidence":0.9941406,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":0.17618727684020996},{"word":"the","start":624.635,"end":624.795,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14911535382270813},{"word":"same","start":624.795,"end":625.195,"confidence":0.99853516,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.14584791660308838},{"word":"we","start":625.195,"end":625.435,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.11898568272590636},{"word":"are","start":625.435,"end":625.59503,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1541443020105362},{"word":"still","start":625.59503,"end":625.91504,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.22772984206676483},{"word":"aiming","start":625.91504,"end":626.315,"confidence":1.0,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.2029031813144684},{"word":"for","start":626.315,"end":626.47504,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2263764590024948},{"word":"that","start":626.47504,"end":626.715,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24946606159210205},{"word":"core","start":626.715,"end":627.03503,"confidence":0.7368164,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.22618407011032104},{"word":"satellite","start":627.03503,"end":627.435,"confidence":0.9506836,"punctuated_word":"satellite","sentiment":"neutral","sentiment_score":0.28910398483276367},{"word":"approach","start":627.435,"end":627.935,"confidence":0.99902344,"punctuated_word":"approach","sentiment":"neutral","sentiment_score":0.22710472345352173},{"word":"to","start":628.075,"end":628.395,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22485877573490143},{"word":"investment","start":628.395,"end":628.895,"confidence":0.8701172,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.18036603927612305},{"word":"where","start":629.69995,"end":629.86,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.18668371438980105},{"word":"we","start":629.86,"end":629.93994,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1695784628391266},{"word":"do","start":629.93994,"end":630.25995,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19284996390342712},{"word":"see","start":630.25995,"end":630.5,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.19067472219467163},{"word":"majority","start":630.5,"end":630.98,"confidence":0.99902344,"punctuated_word":"majority","sentiment":"neutral","sentiment_score":0.19466903805732727},{"word":"of","start":630.98,"end":631.13995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20087487995624545},{"word":"your","start":631.13995,"end":631.3,"confidence":0.9770508,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2570696771144867},{"word":"funds","start":631.3,"end":631.69995,"confidence":0.9980469,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.2023775726556778},{"word":"invested","start":631.69995,"end":632.1,"confidence":0.9819336,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.16962796449661255},{"word":"in","start":632.1,"end":632.25995,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19046981632709503},{"word":"what","start":632.25995,"end":632.5,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.16464151442050934},{"word":"we","start":632.5,"end":632.66,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17164269089698792},{"word":"call","start":632.66,"end":632.89996,"confidence":0.9970703,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.14389173686504364},{"word":"your","start":632.89996,"end":633.22,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18102213740348816},{"word":"core","start":633.22,"end":633.69995,"confidence":1.0,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.18138596415519712},{"word":"investment","start":633.69995,"end":634.19995,"confidence":0.91918945,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.04196317866444588},{"word":"so","start":635.06,"end":635.37994,"confidence":0.9819336,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14909200370311737},{"word":"one","start":635.37994,"end":635.62,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.17215639352798462},{"word":"of","start":635.62,"end":635.69995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13778866827487946},{"word":"that","start":635.69995,"end":635.86,"confidence":0.95703125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1474447101354599},{"word":"that's","start":635.93994,"end":636.25995,"confidence":0.8313802,"punctuated_word":"that's,","sentiment":"neutral","sentiment_score":0.1626797914505005},{"word":"like","start":636.25995,"end":636.5,"confidence":0.9880371,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1783723533153534},{"word":"your","start":636.5,"end":636.66,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2050982117652893},{"word":"biggest","start":636.66,"end":637.13995,"confidence":0.9980469,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":0.23626470565795896},{"word":"shareholding","start":637.13995,"end":637.63995,"confidence":0.95247394,"punctuated_word":"shareholding.","sentiment":"neutral","sentiment_score":0.15182550251483917},{"word":"so","start":637.86,"end":638.1,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2361014783382416},{"word":"you","start":638.1,"end":638.18,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2717294692993164},{"word":"can","start":638.18,"end":638.42,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2551214396953583},{"word":"see","start":638.42,"end":638.66,"confidence":0.9855957,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.22724682092666623},{"word":"for","start":638.66,"end":638.89996,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16207914054393768},{"word":"example","start":638.89996,"end":639.3,"confidence":0.9995117,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.21843232214450836},{"word":"the","start":639.3,"end":639.54,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3035869002342224},{"word":"35%","start":639.54,"end":640.74,"confidence":0.99934894,"punctuated_word":"35%","sentiment":"neutral","sentiment_score":0.2379991114139557},{"word":"in","start":640.74,"end":640.98,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.27367889881134033},{"word":"the","start":640.98,"end":641.13995,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29877689480781555},{"word":"ishares","start":641.13995,"end":641.63995,"confidence":0.98046875,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":0.2567707300186157},{"word":"s","start":641.77997,"end":642.01996,"confidence":0.7026367,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.21231769025325775},{"word":"and","start":642.01996,"end":642.18,"confidence":0.8803711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2052907794713974},{"word":"p","start":642.18,"end":642.57996,"confidence":0.99902344,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.21014492213726044},{"word":"500","start":642.57996,"end":643.31995,"confidence":0.9641113,"punctuated_word":"500.","sentiment":"neutral","sentiment_score":0.2669595777988434},{"word":"we","start":644.055,"end":644.215,"confidence":0.99121094,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.5096389055252075},{"word":"are","start":644.215,"end":644.295,"confidence":0.96777344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.5077560544013977},{"word":"still","start":644.295,"end":644.615,"confidence":0.99609375,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4896186590194702},{"word":"keeping","start":644.615,"end":645.015,"confidence":1.0,"punctuated_word":"keeping","sentiment":"positive","sentiment_score":0.577652096748352},{"word":"that","start":645.015,"end":645.175,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5145114660263062},{"word":"in","start":645.175,"end":645.335,"confidence":0.9394531,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4703388512134552},{"word":"your","start":645.335,"end":645.575,"confidence":0.98828125,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5465224385261536},{"word":"portfolio","start":645.575,"end":646.055,"confidence":0.9265137,"punctuated_word":"portfolio.","sentiment":"positive","sentiment_score":0.43833428621292114},{"word":"it's","start":646.055,"end":646.295,"confidence":0.98046875,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.7408530116081238},{"word":"doing","start":646.295,"end":646.53503,"confidence":1.0,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.7264060378074646},{"word":"really","start":646.53503,"end":646.85504,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7818571329116821},{"word":"well","start":646.85504,"end":647.335,"confidence":0.7866211,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.747038722038269},{"word":"just","start":647.335,"end":647.655,"confidence":0.9790039,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.6150163412094116},{"word":"increasing","start":647.655,"end":648.155,"confidence":1.0,"punctuated_word":"increasing","sentiment":"positive","sentiment_score":0.6681956052780151},{"word":"that","start":648.215,"end":648.53503,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6408903002738953},{"word":"exposure","start":648.53503,"end":649.03503,"confidence":1.0,"punctuated_word":"exposure","sentiment":"positive","sentiment_score":0.5494878888130188},{"word":"a","start":649.09503,"end":649.175,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5373966693878174},{"word":"little","start":649.175,"end":649.41504,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.34015607833862305},{"word":"bit","start":649.41504,"end":649.735,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.47166746854782104},{"word":"for","start":649.735,"end":649.895,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.57133948802948},{"word":"you","start":649.895,"end":650.395,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4657859802246094},{"word":"you","start":652.055,"end":652.215,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.2113560289144516},{"word":"can","start":652.215,"end":652.455,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2184615135192871},{"word":"then","start":652.455,"end":652.615,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1757509410381317},{"word":"also","start":652.615,"end":653.015,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.14012333750724792},{"word":"see","start":653.015,"end":653.175,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2076101005077362},{"word":"the","start":653.175,"end":653.41504,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2179926484823227},{"word":"25%","start":653.41504,"end":654.715,"confidence":0.9996745,"punctuated_word":"25%","sentiment":"neutral","sentiment_score":0.19150476157665253},{"word":"for","start":654.935,"end":655.335,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1832307130098343},{"word":"beta","start":655.335,"end":655.735,"confidence":0.55371094,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.14597366750240326},{"word":"shares","start":655.735,"end":656.135,"confidence":0.9838867,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.1071404665708542},{"word":"australia","start":656.135,"end":656.635,"confidence":0.91748047,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.1542055606842041},{"word":"200","start":656.85504,"end":657.59503,"confidence":0.95751953,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.16204476356506348},{"word":"now","start":658.19,"end":658.43,"confidence":0.9770508,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.13908366858959198},{"word":"this","start":658.43,"end":658.51,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.12906742095947266},{"word":"is","start":658.51,"end":658.58997,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11116191744804382},{"word":"the","start":658.58997,"end":658.75,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08809282630681992},{"word":"one","start":658.75,"end":659.07,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.09172144532203674},{"word":"we've","start":659.07,"end":659.39,"confidence":0.9382324,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.12068597972393036},{"word":"kind","start":659.39,"end":659.63,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08167977631092072},{"word":"of","start":659.63,"end":659.79,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13582366704940796},{"word":"changed","start":659.79,"end":660.11,"confidence":0.99316406,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.18316498398780823},{"word":"for","start":660.11,"end":660.26996,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06852126121520996},{"word":"that","start":660.26996,"end":660.43,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09678183495998384},{"word":"benelon","start":660.43,"end":660.93,"confidence":0.7906901,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":0.04229165241122246},{"word":"australian","start":661.07,"end":661.55,"confidence":0.96435547,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.08340105414390564},{"word":"equity","start":661.55,"end":661.95,"confidence":0.9135742,"punctuated_word":"equity","sentiment":"neutral","sentiment_score":0.07952260971069336},{"word":"that","start":661.95,"end":662.19,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.017364367842674255},{"word":"was","start":662.19,"end":662.43,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.20120814442634585},{"word":"underperforming","start":662.43,"end":662.93,"confidence":0.99609375,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.06817398965358734},{"word":"a","start":663.14996,"end":663.31,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.034236978739500046},{"word":"little","start":663.31,"end":663.55,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.04746202379465103},{"word":"bit","start":663.55,"end":663.87,"confidence":0.90722656,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.07242897897958755},{"word":"so","start":663.87,"end":664.02997,"confidence":0.7104492,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05873621255159378},{"word":"we","start":664.02997,"end":664.19,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07295706868171692},{"word":"also","start":664.19,"end":664.51,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.05286777019500733},{"word":"want","start":664.51,"end":664.75,"confidence":0.9980469,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.07707338780164719},{"word":"to","start":664.75,"end":664.82996,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05262823402881622},{"word":"make","start":664.82996,"end":664.99,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.06695491820573807},{"word":"sure","start":664.99,"end":665.23,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.061994701623916626},{"word":"you","start":665.23,"end":665.31,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08198094367980957},{"word":"have","start":665.31,"end":665.55,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05544770136475563},{"word":"some","start":665.55,"end":665.87,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.01856529340147972},{"word":"exposure","start":665.87,"end":666.26996,"confidence":1.0,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.03669784218072891},{"word":"to","start":666.26996,"end":666.35,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06581728160381317},{"word":"the","start":666.35,"end":666.51,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0922430455684662},{"word":"australian","start":666.51,"end":666.99,"confidence":0.99902344,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.0898280218243599},{"word":"market","start":666.99,"end":667.31,"confidence":0.9975586,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.05300041288137436},{"word":"we","start":667.31,"end":667.39,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.0032600462436676025},{"word":"don't","start":667.39,"end":667.63,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.026206333190202713},{"word":"want","start":667.63,"end":667.79,"confidence":0.99609375,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.07079119980335236},{"word":"everything","start":667.79,"end":668.26996,"confidence":0.9980469,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.04821987450122833},{"word":"just","start":668.26996,"end":668.51,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08468642830848694},{"word":"overseas","start":668.51,"end":669.01,"confidence":0.9770508,"punctuated_word":"overseas.","sentiment":"neutral","sentiment_score":-0.048937588930130005},{"word":"so","start":669.87,"end":670.37,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08629243820905685},{"word":"25%","start":670.91,"end":671.79,"confidence":0.87027997,"punctuated_word":"25%","sentiment":"neutral","sentiment_score":0.12552407383918762},{"word":"in","start":671.79,"end":671.95,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11480766534805298},{"word":"this","start":671.95,"end":672.11,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1152929961681366},{"word":"one","start":672.11,"end":672.43,"confidence":0.83081055,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.10016460716724396},{"word":"and","start":672.43,"end":672.58997,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11921611428260805},{"word":"that","start":672.58997,"end":672.82996,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14932672679424286},{"word":"one","start":672.82996,"end":672.99,"confidence":0.9892578,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.11417180299758913},{"word":"basically","start":672.99,"end":673.49,"confidence":0.8774414,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.09403617680072784},{"word":"invests","start":673.55,"end":674.025,"confidence":0.90625,"punctuated_word":"invests","sentiment":"neutral","sentiment_score":0.10196152329444884},{"word":"in","start":674.025,"end":674.265,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14067342877388},{"word":"the","start":674.265,"end":674.42505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15812264382839203},{"word":"200","start":674.42505,"end":674.98505,"confidence":1.0,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.16369973123073578},{"word":"largest","start":674.98505,"end":675.385,"confidence":1.0,"punctuated_word":"largest","sentiment":"neutral","sentiment_score":0.14223960041999817},{"word":"companies","start":675.385,"end":675.885,"confidence":0.9980469,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.07809319347143173},{"word":"listed","start":675.945,"end":676.445,"confidence":0.9980469,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.14563825726509094},{"word":"on","start":676.745,"end":676.825,"confidence":0.86328125,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1273057460784912},{"word":"the","start":676.825,"end":677.065,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12790624797344208},{"word":"asx","start":677.065,"end":677.54504,"confidence":0.7709961,"punctuated_word":"ASX.","sentiment":"neutral","sentiment_score":0.11939142644405364},{"word":"so","start":677.54504,"end":677.705,"confidence":0.98095703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1578257381916046},{"word":"here","start":677.705,"end":677.945,"confidence":0.9921875,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.13427935540676117},{"word":"in","start":677.945,"end":678.185,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1336548775434494},{"word":"australia","start":678.185,"end":678.685,"confidence":0.97753906,"punctuated_word":"Australia,","sentiment":"neutral","sentiment_score":0.16495394706726074},{"word":"you'll","start":679.145,"end":679.385,"confidence":0.94189453,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.173958420753479},{"word":"have","start":679.385,"end":679.625,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16980887949466705},{"word":"all","start":679.625,"end":679.705,"confidence":0.99316406,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1491396576166153},{"word":"the","start":679.705,"end":679.86505,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15909937024116516},{"word":"companies","start":679.86505,"end":680.34503,"confidence":0.99902344,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.07670606672763824},{"word":"like","start":680.34503,"end":680.66504,"confidence":0.9013672,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1454933136701584},{"word":"bhp","start":680.66504,"end":681.16504,"confidence":0.94750977,"punctuated_word":"BHP","sentiment":"neutral","sentiment_score":0.16802358627319336},{"word":"and","start":681.385,"end":681.705,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14950613677501678},{"word":"woolworths","start":681.705,"end":682.205,"confidence":0.91137695,"punctuated_word":"Woolworths.","sentiment":"neutral","sentiment_score":0.14407867193222046},{"word":"so","start":683.065,"end":683.30505,"confidence":0.49145508,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1788821518421173},{"word":"all","start":683.30505,"end":683.465,"confidence":0.97802734,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.18331278860569},{"word":"the","start":683.465,"end":683.54504,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13947302103042605},{"word":"kind","start":683.54504,"end":683.78503,"confidence":0.9790039,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.10040675848722458},{"word":"of","start":683.78503,"end":683.86505,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13566456735134125},{"word":"big","start":683.86505,"end":684.10504,"confidence":0.97509766,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.15383900701999664},{"word":"commonwealth","start":684.10504,"end":684.60504,"confidence":0.5961914,"punctuated_word":"Commonwealth","sentiment":"neutral","sentiment_score":0.15526849031448364},{"word":"or","start":684.825,"end":684.98505,"confidence":0.9121094,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":0.15148137509822843},{"word":"like","start":684.98505,"end":685.145,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.15017420053482056},{"word":"the","start":685.145,"end":685.30505,"confidence":0.8828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17036455869674683},{"word":"big","start":685.30505,"end":685.54504,"confidence":1.0,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.1800946444272995},{"word":"companies","start":685.54504,"end":686.04504,"confidence":0.86987305,"punctuated_word":"companies.","sentiment":"neutral","sentiment_score":0.13751688599586487},{"word":"so","start":686.10504,"end":686.34503,"confidence":0.8745117,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2479412704706192},{"word":"still","start":686.34503,"end":686.585,"confidence":0.95166016,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3404454290866852},{"word":"very","start":686.585,"end":686.905,"confidence":0.99902344,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.3461039662361145},{"word":"diversified","start":686.905,"end":687.405,"confidence":1.0,"punctuated_word":"diversified","sentiment":"neutral","sentiment_score":0.29438555240631104},{"word":"for","start":687.705,"end":687.86505,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4328576922416687},{"word":"you","start":687.86505,"end":688.35,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4373605251312256},{"word":"the","start":689.79,"end":690.02997,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.2004452347755432},{"word":"other","start":690.02997,"end":690.26996,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.15675088763237},{"word":"investments","start":690.26996,"end":690.67,"confidence":0.99609375,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.10184692591428755},{"word":"we","start":690.67,"end":690.91,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16171450912952423},{"word":"have","start":690.91,"end":691.06995,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16657283902168274},{"word":"switched","start":691.06995,"end":691.38995,"confidence":1.0,"punctuated_word":"switched","sentiment":"neutral","sentiment_score":0.18054834008216855},{"word":"out","start":691.38995,"end":691.63,"confidence":0.97314453,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1391536295413971},{"word":"is","start":691.63,"end":691.79,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1207934021949768},{"word":"what","start":691.79,"end":692.02997,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.15564700961112976},{"word":"we","start":692.02997,"end":692.19,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15428221225738523},{"word":"call","start":692.19,"end":692.43,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.10095900297164916},{"word":"your","start":692.43,"end":692.82996,"confidence":0.98291016,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14546430110931396},{"word":"satellite","start":692.82996,"end":693.32996,"confidence":0.9980469,"punctuated_word":"satellite","sentiment":"neutral","sentiment_score":0.09971743822097778},{"word":"investments","start":693.38995,"end":693.88995,"confidence":0.9951172,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.10038933902978896},{"word":"now","start":694.11,"end":694.35,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.13370326161384585},{"word":"these","start":694.35,"end":694.67,"confidence":0.9892578,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.13400354981422424},{"word":"can","start":694.67,"end":694.91,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11500773578882216},{"word":"be","start":694.91,"end":695.14996,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12708720564842224},{"word":"a","start":695.14996,"end":695.23,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10433975607156754},{"word":"little","start":695.23,"end":695.55,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.016313403844833374},{"word":"bit","start":695.55,"end":695.87,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.011538967490196228},{"word":"more","start":695.87,"end":696.26996,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.004737459123134613},{"word":"volatile","start":696.26996,"end":696.76996,"confidence":1.0,"punctuated_word":"volatile","sentiment":"neutral","sentiment_score":0.04389763623476029},{"word":"or","start":696.91,"end":697.06995,"confidence":0.8125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.026731938123703003},{"word":"fluctuate","start":697.06995,"end":697.56995,"confidence":0.99902344,"punctuated_word":"fluctuate","sentiment":"neutral","sentiment_score":0.04716803878545761},{"word":"a","start":697.63,"end":697.70996,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.011436644941568376},{"word":"little","start":697.70996,"end":697.94995,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.02343209832906723},{"word":"bit","start":697.94995,"end":698.11,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.030099935829639435},{"word":"more","start":698.11,"end":698.61,"confidence":0.91186523,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":0.026470638811588287},{"word":"and","start":699.38995,"end":699.55,"confidence":0.6430664,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.059053242206573486},{"word":"that's","start":699.55,"end":699.87,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.11341044306755066},{"word":"why","start":699.87,"end":700.11,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.05426245182752609},{"word":"they","start":700.11,"end":700.26996,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.11604439467191696},{"word":"only","start":700.26996,"end":700.67,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.11849911510944366},{"word":"represent","start":700.67,"end":701.14996,"confidence":1.0,"punctuated_word":"represent","sentiment":"neutral","sentiment_score":0.13868463039398193},{"word":"a","start":701.14996,"end":701.325,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1428796947002411},{"word":"smaller","start":701.565,"end":701.805,"confidence":0.99902344,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.08874133974313736},{"word":"portion","start":701.805,"end":702.305,"confidence":0.99902344,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.17255176603794098},{"word":"of","start":702.365,"end":702.60504,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16105976700782776},{"word":"your","start":702.60504,"end":702.925,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17488330602645874},{"word":"portfolio","start":702.925,"end":703.425,"confidence":0.73046875,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.1518433839082718},{"word":"the","start":703.645,"end":703.805,"confidence":0.40063477,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.3100809156894684},{"word":"these","start":703.885,"end":704.045,"confidence":0.9970703,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.37739524245262146},{"word":"are","start":704.045,"end":704.205,"confidence":0.9941406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2895142138004303},{"word":"the","start":704.205,"end":704.28503,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32636770606040955},{"word":"ones","start":704.28503,"end":704.525,"confidence":0.99902344,"punctuated_word":"ones","sentiment":"positive","sentiment_score":0.36516720056533813},{"word":"that","start":704.525,"end":704.685,"confidence":0.9970703,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4241982400417328},{"word":"can","start":704.685,"end":704.925,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4298678934574127},{"word":"give","start":704.925,"end":705.085,"confidence":1.0,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.48188790678977966},{"word":"you","start":705.085,"end":705.325,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.49885833263397217},{"word":"the","start":705.325,"end":705.405,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3877668082714081},{"word":"most","start":705.405,"end":705.645,"confidence":0.99902344,"punctuated_word":"most","sentiment":"positive","sentiment_score":0.36650314927101135},{"word":"amount","start":705.645,"end":705.885,"confidence":1.0,"punctuated_word":"amount","sentiment":"positive","sentiment_score":0.4411582350730896},{"word":"of","start":705.885,"end":706.125,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4092030227184296},{"word":"growth","start":706.125,"end":706.525,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5016907453536987},{"word":"as","start":706.525,"end":706.685,"confidence":0.9980469,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4163321852684021},{"word":"well","start":706.685,"end":707.185,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.3034084141254425},{"word":"so","start":707.885,"end":708.385,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3171232342720032},{"word":"you","start":708.765,"end":708.925,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.37292924523353577},{"word":"can","start":708.925,"end":709.16504,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3778107464313507},{"word":"see","start":709.16504,"end":709.405,"confidence":0.9921875,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.3643261790275574},{"word":"we","start":709.405,"end":709.565,"confidence":0.8510742,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4700840711593628},{"word":"are","start":709.565,"end":709.72504,"confidence":0.9892578,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4984992742538452},{"word":"still","start":709.72504,"end":710.045,"confidence":0.9980469,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.48960819840431213},{"word":"keeping","start":710.045,"end":710.445,"confidence":0.9980469,"punctuated_word":"keeping","sentiment":"positive","sentiment_score":0.5836886167526245},{"word":"gold","start":710.445,"end":710.685,"confidence":0.9921875,"punctuated_word":"gold","sentiment":"positive","sentiment_score":0.4944150745868683},{"word":"in","start":710.685,"end":710.84503,"confidence":0.9980469,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4830588400363922},{"word":"your","start":710.84503,"end":711.005,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5074761509895325},{"word":"portfolio","start":711.005,"end":711.505,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.3125549852848053},{"word":"as","start":711.565,"end":711.72504,"confidence":0.91259766,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4021366834640503},{"word":"a","start":711.72504,"end":711.885,"confidence":0.4428711,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4502328038215637},{"word":"defensive","start":711.885,"end":712.385,"confidence":0.99316406,"punctuated_word":"defensive.","sentiment":"positive","sentiment_score":0.36099132895469666},{"word":"it's","start":712.525,"end":712.765,"confidence":1.0,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.5498524904251099},{"word":"doing","start":712.765,"end":713.085,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.6235878467559814},{"word":"really","start":713.085,"end":713.405,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6338675618171692},{"word":"well","start":713.405,"end":713.645,"confidence":0.8659668,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.5896941423416138},{"word":"so","start":713.645,"end":713.805,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4327145218849182},{"word":"you","start":713.805,"end":713.965,"confidence":0.80078125,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5743345022201538},{"word":"wanna","start":713.965,"end":714.28503,"confidence":0.9921875,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.5697960257530212},{"word":"keep","start":714.28503,"end":714.525,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.577690601348877},{"word":"that","start":714.525,"end":715.025,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4844529628753662},{"word":"in","start":715.245,"end":715.405,"confidence":0.9760742,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.47306180000305176},{"word":"your","start":715.405,"end":715.645,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4309607446193695},{"word":"portfolio","start":715.645,"end":716.145,"confidence":1.0,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.3001209497451782},{"word":"we","start":716.97,"end":717.13,"confidence":0.99609375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.2762850522994995},{"word":"also","start":717.13,"end":717.52997,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1834605634212494},{"word":"have","start":717.52997,"end":718.01,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.26710835099220276},{"word":"5%","start":718.01,"end":718.81,"confidence":0.74658203,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.2504866421222687},{"word":"in","start":718.81,"end":718.97,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2273770123720169},{"word":"a","start":718.97,"end":719.13,"confidence":0.9550781,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19378837943077087},{"word":"fixed","start":719.13,"end":719.44995,"confidence":1.0,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.1523347795009613},{"word":"interest","start":719.44995,"end":719.85,"confidence":0.9980469,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":0.16875125467777252},{"word":"again","start":719.85,"end":720.17,"confidence":0.9995117,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.17985445261001587},{"word":"wanna","start":720.17,"end":720.41,"confidence":0.8676758,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.26971474289894104},{"word":"make","start":720.41,"end":720.64996,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.22408494353294373},{"word":"sure","start":720.64996,"end":720.88995,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2429527044296265},{"word":"we","start":720.88995,"end":721.05,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.30641937255859375},{"word":"have","start":721.05,"end":721.29,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3040710687637329},{"word":"some","start":721.29,"end":721.52997,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.210726797580719},{"word":"defensive","start":721.52997,"end":722.02997,"confidence":0.9980469,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.12719103693962097},{"word":"components","start":722.41,"end":722.91,"confidence":0.9863281,"punctuated_word":"components","sentiment":"neutral","sentiment_score":0.1620410531759262},{"word":"to","start":722.97,"end":723.20996,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2203119695186615},{"word":"your","start":723.20996,"end":723.52997,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2624199390411377},{"word":"portfolio","start":723.52997,"end":724.02997,"confidence":0.967041,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.1600603610277176},{"word":"but","start":724.88995,"end":725.13,"confidence":0.79418945,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.12134218215942384},{"word":"otherwise","start":725.13,"end":725.63,"confidence":1.0,"punctuated_word":"otherwise,","sentiment":"neutral","sentiment_score":0.1401907503604889},{"word":"in","start":725.69,"end":725.93,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1664947271347046},{"word":"terms","start":725.93,"end":726.25,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.13722674548625946},{"word":"of","start":726.25,"end":726.49,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17875948548316956},{"word":"the","start":726.49,"end":726.73,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15828168392181396},{"word":"satellite","start":726.73,"end":727.20996,"confidence":0.99902344,"punctuated_word":"satellite","sentiment":"neutral","sentiment_score":0.11540915817022324},{"word":"investments","start":727.20996,"end":727.70996,"confidence":0.9423828,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.1166362762451172},{"word":"we","start":727.76996,"end":727.93,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21445201337337497},{"word":"have","start":727.93,"end":728.25,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21260881423950195},{"word":"9%","start":728.25,"end":729.07,"confidence":1.0,"punctuated_word":"9%","sentiment":"neutral","sentiment_score":0.20368875563144684},{"word":"invested","start":729.37,"end":729.85,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.13603103160858154},{"word":"in","start":729.85,"end":730.08997,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18342536687850952},{"word":"europe","start":730.08997,"end":730.49,"confidence":0.98657227,"punctuated_word":"Europe.","sentiment":"neutral","sentiment_score":0.15684285759925842},{"word":"you","start":730.49,"end":730.57,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1934724599123001},{"word":"can","start":730.57,"end":730.81,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17820003628730774},{"word":"see","start":730.81,"end":731.31,"confidence":0.98291016,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1923362612724304},{"word":"see","start":731.615,"end":731.77496,"confidence":0.97314453,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.21217097342014313},{"word":"it","start":731.77496,"end":732.01495,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20520193874835968},{"word":"there","start":732.01495,"end":732.25494,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1969703882932663},{"word":"for","start":732.25494,"end":732.415,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20934650301933289},{"word":"you","start":732.415,"end":732.65497,"confidence":0.9555664,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2172759175300598},{"word":"so","start":732.65497,"end":732.815,"confidence":0.92578125,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.27121806144714355},{"word":"again","start":732.815,"end":733.13495,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.2705985903739929},{"word":"very","start":733.13495,"end":733.45496,"confidence":0.99902344,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.3194854259490967},{"word":"diversified","start":733.45496,"end":733.95496,"confidence":1.0,"punctuated_word":"diversified","sentiment":"neutral","sentiment_score":0.2689209580421448},{"word":"all","start":734.735,"end":734.975,"confidence":0.9589844,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3541787266731262},{"word":"across","start":734.975,"end":735.45496,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.2567300796508789},{"word":"europe","start":735.45496,"end":735.95496,"confidence":0.99902344,"punctuated_word":"Europe.","sentiment":"neutral","sentiment_score":0.2636820673942566},{"word":"you","start":736.01495,"end":736.25494,"confidence":0.90283203,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.18418645858764648},{"word":"have","start":736.25494,"end":736.495,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21477742493152616},{"word":"5%","start":736.495,"end":737.295,"confidence":1.0,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.1914408802986145},{"word":"in","start":737.295,"end":737.615,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16638267040252686},{"word":"japan","start":737.615,"end":738.115,"confidence":0.8198242,"punctuated_word":"Japan.","sentiment":"neutral","sentiment_score":0.12043354660272598},{"word":"then","start":739.375,"end":739.535,"confidence":0.76171875,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.1065072864294052},{"word":"you","start":739.535,"end":739.69495,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14456848800182345},{"word":"have","start":739.69495,"end":740.01495,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16721048951148987},{"word":"8%","start":740.01495,"end":740.75494,"confidence":1.0,"punctuated_word":"8%","sentiment":"neutral","sentiment_score":0.15117868781089783},{"word":"in","start":740.89496,"end":741.39496,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12800806760787964},{"word":"vanguard","start":741.855,"end":742.355,"confidence":0.9892578,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.0738116055727005},{"word":"or","start":742.495,"end":742.735,"confidence":0.50341797,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10766049474477768},{"word":"world","start":742.735,"end":743.055,"confidence":0.7766113,"punctuated_word":"World.","sentiment":"neutral","sentiment_score":0.12805336713790894},{"word":"you","start":743.055,"end":743.295,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.061344750225543976},{"word":"may","start":743.295,"end":743.45496,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.04244618862867355},{"word":"have","start":743.45496,"end":743.615,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04048793017864227},{"word":"heard","start":743.615,"end":743.855,"confidence":1.0,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":0.02744457498192787},{"word":"of","start":743.855,"end":744.01495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03599673509597778},{"word":"vanguard","start":744.01495,"end":744.495,"confidence":1.0,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.056114561855793},{"word":"before","start":744.495,"end":744.89496,"confidence":0.98339844,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":0.07970215380191803},{"word":"they're","start":744.89496,"end":745.13495,"confidence":0.9904785,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.10203242301940918},{"word":"they're","start":745.13495,"end":745.375,"confidence":0.9995117,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.13436362147331238},{"word":"quite","start":745.375,"end":745.69495,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.12513920664787292},{"word":"big","start":745.69495,"end":746.19495,"confidence":0.9589844,"punctuated_word":"big.","sentiment":"neutral","sentiment_score":0.17162925004959106},{"word":"yeah","start":746.81,"end":747.21,"confidence":0.86621094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18892425298690796},{"word":"perfect","start":747.21,"end":747.71,"confidence":0.9785156,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.021878885105252262},{"word":"but","start":748.17,"end":748.41,"confidence":0.9892578,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.028245169669389725},{"word":"this","start":748.41,"end":748.57,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.03721140697598457},{"word":"one","start":748.57,"end":748.81,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.05065281689167023},{"word":"here","start":748.81,"end":749.31,"confidence":0.97265625,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":-0.014052815735340118},{"word":"it","start":750.01,"end":750.09,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01097242534160614},{"word":"invests","start":750.09,"end":750.57,"confidence":0.7109375,"punctuated_word":"invests","sentiment":"neutral","sentiment_score":-0.023193269968032837},{"word":"all","start":750.57,"end":750.81,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0287652350962162},{"word":"around","start":750.81,"end":751.05,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.02294887974858284},{"word":"the","start":751.05,"end":751.21,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023869618773460388},{"word":"world","start":751.21,"end":751.53,"confidence":0.9802246,"punctuated_word":"world,","sentiment":"neutral","sentiment_score":0.016238858923316002},{"word":"but","start":751.53,"end":751.77,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.010507579892873764},{"word":"it","start":751.77,"end":751.85,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02804292738437653},{"word":"does","start":751.85,"end":752.17,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.07373463362455368},{"word":"exclude","start":752.17,"end":752.67,"confidence":0.9980469,"punctuated_word":"exclude","sentiment":"neutral","sentiment_score":-0.01813594251871109},{"word":"the","start":752.81,"end":753.13,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.04876542463898659},{"word":"us","start":753.13,"end":753.45,"confidence":1.0,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.08513358980417252},{"word":"because","start":753.45,"end":753.85,"confidence":0.6879883,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06706886738538742},{"word":"you","start":753.85,"end":754.09,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09706076979637146},{"word":"already","start":754.09,"end":754.49,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":-0.10205738991498949},{"word":"have","start":754.49,"end":754.81,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07912306487560272},{"word":"exposures","start":754.81,"end":755.31,"confidence":0.5605469,"punctuated_word":"exposures","sentiment":"neutral","sentiment_score":-0.044735826551914215},{"word":"to","start":755.45,"end":755.61,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04700741544365883},{"word":"the","start":755.61,"end":755.93,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.04290672391653061},{"word":"us","start":755.93,"end":756.25,"confidence":1.0,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.06877051293849945},{"word":"market","start":756.25,"end":756.75,"confidence":0.99316406,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.058602359145879745},{"word":"in","start":757.29,"end":757.45,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06613166630268097},{"word":"that","start":757.45,"end":757.77,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0556628480553627},{"word":"ishares","start":757.77,"end":758.27,"confidence":0.7130127,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":-0.04601579159498215},{"word":"s","start":758.33,"end":758.49,"confidence":0.6582031,"punctuated_word":"S","sentiment":"neutral","sentiment_score":-0.02652418240904808},{"word":"and","start":758.49,"end":758.65,"confidence":0.9526367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07257351279258728},{"word":"p","start":758.65,"end":758.89,"confidence":0.9980469,"punctuated_word":"P","sentiment":"neutral","sentiment_score":-0.03959708660840988},{"word":"500","start":758.89,"end":759.53,"confidence":0.9173584,"punctuated_word":"500,","sentiment":"neutral","sentiment_score":-0.05391831696033478},{"word":"and","start":759.53,"end":759.69,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08659451454877853},{"word":"we","start":759.69,"end":759.77,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15081635117530823},{"word":"don't","start":759.77,"end":760.01,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13903015851974487},{"word":"want","start":760.01,"end":760.25,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.15538889169692993},{"word":"too","start":760.25,"end":760.49,"confidence":0.9970703,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.14941895008087158},{"word":"much","start":760.49,"end":760.81,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.09257692098617554},{"word":"in","start":760.81,"end":760.97,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.15226398408412933},{"word":"one","start":760.97,"end":761.29,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.15653517842292786},{"word":"area","start":761.29,"end":761.77,"confidence":1.0,"punctuated_word":"area","sentiment":"neutral","sentiment_score":-0.09870533645153046},{"word":"either","start":761.77,"end":762.225,"confidence":0.9995117,"punctuated_word":"either.","sentiment":"neutral","sentiment_score":-0.06776341050863266},{"word":"does","start":762.225,"end":762.38495,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.03499538078904152},{"word":"that","start":762.38495,"end":762.70496,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0736100822687149},{"word":"make","start":762.70496,"end":763.20496,"confidence":0.9970703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.024780526757240295},{"word":"sense","start":763.30493,"end":763.80493,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.0502832755446434},{"word":"yep","start":763.90497,"end":764.305,"confidence":0.87890625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24655060470104215},{"word":"perfect","start":764.305,"end":764.805,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6157004833221436},{"word":"and","start":765.345,"end":765.505,"confidence":0.9970703,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.40101689100265503},{"word":"that","start":765.505,"end":765.665,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3975530564785004},{"word":"is","start":765.665,"end":765.90497,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2764354944229126},{"word":"essentially","start":765.90497,"end":766.40497,"confidence":0.94921875,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.2992264926433563},{"word":"the","start":766.46497,"end":766.70496,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3131328821182251},{"word":"changes","start":766.70496,"end":767.20496,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.26942238211631775},{"word":"on","start":767.26495,"end":767.505,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2574918866157532},{"word":"the","start":767.505,"end":767.82495,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3167364001274109},{"word":"investments","start":767.82495,"end":768.32495,"confidence":0.95410156,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.17879144847393036},{"word":"so","start":769.02496,"end":769.26495,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22347068786621097},{"word":"if","start":769.26495,"end":769.425,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.25941336154937744},{"word":"you","start":769.425,"end":769.58496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19683337211608887},{"word":"would","start":769.58496,"end":769.82495,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2196660190820694},{"word":"like","start":769.82495,"end":770.065,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2311529815196991},{"word":"to","start":770.065,"end":770.14496,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2437913864850998},{"word":"go","start":770.14496,"end":770.38495,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2819734811782837},{"word":"ahead","start":770.38495,"end":770.625,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.30527767539024353},{"word":"and","start":770.625,"end":770.865,"confidence":0.9975586,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.2749272584915161},{"word":"you","start":770.865,"end":771.02496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20963694155216217},{"word":"know","start":771.02496,"end":771.185,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.22410938143730164},{"word":"read","start":771.185,"end":771.425,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.22958502173423767},{"word":"a","start":771.425,"end":771.505,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3028503954410553},{"word":"bit","start":771.505,"end":771.745,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20397436618804932},{"word":"more","start":771.745,"end":771.985,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.19081968069076535},{"word":"on","start":771.985,"end":772.14496,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.19050313532352448},{"word":"the","start":772.14496,"end":772.38495,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19922570884227753},{"word":"investments","start":772.38495,"end":772.88495,"confidence":0.9970703,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.11811280250549316},{"word":"as","start":773.02496,"end":773.185,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19911904633045197},{"word":"well","start":773.185,"end":773.685,"confidence":0.86987305,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.203318789601326},{"word":"in","start":774.065,"end":774.225,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17505967617034912},{"word":"that","start":774.225,"end":774.545,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19386430084705353},{"word":"appendix","start":774.545,"end":775.045,"confidence":0.99902344,"punctuated_word":"appendix","sentiment":"neutral","sentiment_score":0.10104536265134811},{"word":"i","start":775.13,"end":775.37,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13150545954704285},{"word":"mentioned","start":775.37,"end":775.69,"confidence":1.0,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.1233668178319931},{"word":"earlier","start":775.69,"end":776.17,"confidence":1.0,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":0.08586481958627701},{"word":"sorry","start":776.25,"end":776.57,"confidence":0.7988281,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.04457819834351539},{"word":"in","start":776.57,"end":776.73,"confidence":0.9980469,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.14286963641643524},{"word":"the","start":776.73,"end":777.05,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15307173132896423},{"word":"attachment","start":777.05,"end":777.55,"confidence":0.61035156,"punctuated_word":"attachment","sentiment":"neutral","sentiment_score":0.10242094099521636},{"word":"to","start":777.76996,"end":777.93,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13494828343391418},{"word":"the","start":777.93,"end":778.08997,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11921876668930054},{"word":"email","start":778.08997,"end":778.41,"confidence":0.9970703,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.12337957322597504},{"word":"i","start":778.41,"end":778.57,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22396670281887057},{"word":"have","start":778.57,"end":778.81,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2327449768781662},{"word":"included","start":778.81,"end":779.31,"confidence":0.99902344,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.23083508014678955},{"word":"investment","start":779.45,"end":779.93,"confidence":0.97998047,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.12598031759262085},{"word":"link","start":779.93,"end":780.43,"confidence":0.53466797,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.2222171574831009},{"word":"to","start":780.81,"end":781.05,"confidence":0.65625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2646549940109253},{"word":"these","start":781.05,"end":781.29,"confidence":0.99902344,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.24192705750465393},{"word":"investments","start":781.29,"end":781.79,"confidence":0.99658203,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.16192400455474854},{"word":"so","start":782.01,"end":782.17,"confidence":0.80810547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24648362398147583},{"word":"if","start":782.17,"end":782.33,"confidence":0.99902344,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3452805280685425},{"word":"it","start":782.33,"end":782.41,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.34543442726135254},{"word":"is","start":782.41,"end":782.64996,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.27469685673713684},{"word":"that","start":782.64996,"end":782.81,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.28974971175193787},{"word":"you","start":782.81,"end":782.89,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31527677178382874},{"word":"do","start":782.89,"end":783.05,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.28316354751586914},{"word":"wanna","start":783.05,"end":783.37,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2689632177352905},{"word":"go","start":783.37,"end":783.45,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2362198382616043},{"word":"back","start":783.45,"end":783.69,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2890301048755646},{"word":"and","start":783.69,"end":783.85,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26577866077423096},{"word":"have","start":783.85,"end":784.01,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.26415592432022095},{"word":"a","start":784.01,"end":784.08997,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.33998343348503113},{"word":"bit","start":784.08997,"end":784.25,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3521144986152649},{"word":"of","start":784.25,"end":784.41,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.36402952671051025},{"word":"a","start":784.41,"end":784.57,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3303743898868561},{"word":"read","start":784.57,"end":784.81,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.2457061856985092},{"word":"over","start":784.81,"end":784.97,"confidence":0.9980469,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.27163001894950867},{"word":"them","start":784.97,"end":785.37,"confidence":0.9916992,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.32010596990585327},{"word":"that","start":785.37,"end":785.52997,"confidence":0.95947266,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4142959117889404},{"word":"is","start":785.52997,"end":785.69,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3655220568180084},{"word":"all","start":785.69,"end":785.93,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.38580626249313354},{"word":"in","start":785.93,"end":786.08997,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.28103306889533997},{"word":"there","start":786.08997,"end":786.41,"confidence":1.0,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.37011364102363586},{"word":"for","start":786.41,"end":786.57,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2410472333431244},{"word":"you","start":786.57,"end":787.065,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.20947398245334625},{"word":"now","start":788.985,"end":789.485,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0583268404006958},{"word":"the","start":789.545,"end":789.865,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.043476324528455734},{"word":"the","start":789.865,"end":790.025,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03665729984641075},{"word":"last","start":790.025,"end":790.265,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.019951866939663887},{"word":"thing","start":790.265,"end":790.505,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.04429358243942261},{"word":"i","start":790.505,"end":790.585,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02419247664511204},{"word":"do","start":790.585,"end":790.825,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.034417688846588135},{"word":"wanna","start":790.825,"end":791.145,"confidence":0.9921875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.033680450171232224},{"word":"just","start":791.145,"end":791.385,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03126334398984909},{"word":"touch","start":791.385,"end":791.625,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.034352853894233704},{"word":"on","start":791.625,"end":791.865,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04847291484475136},{"word":"is","start":791.865,"end":792.365,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.034041911363601685},{"word":"the","start":792.505,"end":793.005,"confidence":0.82958984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05352745205163956},{"word":"fee","start":793.065,"end":793.565,"confidence":0.97680664,"punctuated_word":"fee.","sentiment":"neutral","sentiment_score":0.04175857827067375},{"word":"so","start":793.945,"end":794.265,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03599326312541962},{"word":"if","start":794.265,"end":794.505,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.038755349814891815},{"word":"you","start":794.505,"end":794.665,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04017521068453789},{"word":"scroll","start":794.665,"end":794.985,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.028542054817080494},{"word":"down","start":794.985,"end":795.305,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.03993774950504303},{"word":"to","start":795.305,"end":795.465,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027510778978466988},{"word":"page","start":795.465,"end":795.945,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.03154899924993515},{"word":"21","start":795.945,"end":796.745,"confidence":0.9995117,"punctuated_word":"21","sentiment":"neutral","sentiment_score":0.02993346750736237},{"word":"for","start":796.745,"end":796.985,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01876809075474739},{"word":"me","start":796.985,"end":797.485,"confidence":0.78149414,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.01862994395196438},{"word":"yep","start":804.2,"end":804.60004,"confidence":0.7359619,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24233195185661316},{"word":"perfect","start":804.60004,"end":805.10004,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4948493540287018},{"word":"so","start":805.72003,"end":806.12,"confidence":0.5559082,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.22701379656791687},{"word":"basically","start":806.12,"end":806.36,"confidence":0.9995117,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.2220564037561417},{"word":"it","start":806.36,"end":806.60004,"confidence":0.5004883,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2732619345188141},{"word":"just","start":806.60004,"end":806.76,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24983303248882296},{"word":"shows","start":806.76,"end":807.0,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.17335978150367737},{"word":"you","start":807.0,"end":807.16003,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2293350249528885},{"word":"the","start":807.16003,"end":807.32,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23041243851184845},{"word":"fee","start":807.32,"end":807.56,"confidence":0.97998047,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.17864397168159485},{"word":"structure","start":807.56,"end":808.04004,"confidence":1.0,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.1488468050956726},{"word":"again","start":808.04004,"end":808.52,"confidence":0.9946289,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.21499216556549072},{"word":"now","start":808.52,"end":808.68,"confidence":0.98828125,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1375230848789215},{"word":"like","start":808.68,"end":808.92004,"confidence":0.82177734,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.16408869624137878},{"word":"i","start":808.92004,"end":809.0,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17577506601810455},{"word":"mentioned","start":809.0,"end":809.48004,"confidence":0.99902344,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.1737191528081894},{"word":"during","start":809.48004,"end":809.72003,"confidence":0.94921875,"punctuated_word":"during","sentiment":"neutral","sentiment_score":0.2003378868103027},{"word":"the","start":809.72003,"end":809.8,"confidence":0.9536133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1903536021709442},{"word":"annual","start":809.8,"end":810.2,"confidence":0.9970703,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.16191375255584717},{"word":"review","start":810.2,"end":810.52,"confidence":0.99560547,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.14282825589179993},{"word":"there","start":810.52,"end":810.68,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.11780668795108797},{"word":"is","start":810.68,"end":811.0,"confidence":0.984375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08289674669504166},{"word":"no","start":811.0,"end":811.24,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.06473248451948166},{"word":"changes","start":811.24,"end":811.72003,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.05207446217536926},{"word":"whatsoever","start":811.72003,"end":812.22003,"confidence":0.94189453,"punctuated_word":"whatsoever","sentiment":"neutral","sentiment_score":0.00801481306552887},{"word":"in","start":812.36005,"end":812.60004,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.019274160265922543},{"word":"regards","start":812.60004,"end":813.0,"confidence":0.99609375,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.00858248770236969},{"word":"to","start":813.0,"end":813.16003,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016407251358032227},{"word":"the","start":813.16003,"end":813.32,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07244642078876495},{"word":"fee","start":813.32,"end":813.56,"confidence":0.97998047,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.006483018398284912},{"word":"structure","start":813.56,"end":814.06,"confidence":0.96435547,"punctuated_word":"structure.","sentiment":"neutral","sentiment_score":0.11620590835809708},{"word":"it","start":814.64496,"end":814.885,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.15946586430072784},{"word":"stays","start":814.885,"end":815.20496,"confidence":0.984375,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":0.17202551662921906},{"word":"reduced","start":815.20496,"end":815.70496,"confidence":1.0,"punctuated_word":"reduced","sentiment":"neutral","sentiment_score":0.131631001830101},{"word":"at","start":815.765,"end":816.005,"confidence":0.9716797,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.20050016045570376},{"word":"that","start":816.005,"end":816.08496,"confidence":0.9291992,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22418977320194244},{"word":"1.1","start":816.08496,"end":817.045,"confidence":0.9996745,"punctuated_word":"1.1","sentiment":"neutral","sentiment_score":0.18591228127479553},{"word":"from","start":817.045,"end":817.445,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1273958832025528},{"word":"superannuation","start":817.445,"end":817.945,"confidence":0.9824219,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.1300339549779892},{"word":"no","start":818.725,"end":819.045,"confidence":1.0,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.08294402807950974},{"word":"changes","start":819.045,"end":819.545,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.006961144506931305},{"word":"in","start":819.605,"end":819.925,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.032218992710113525},{"word":"regards","start":819.925,"end":820.425,"confidence":0.9980469,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.04365316778421402},{"word":"to","start":820.485,"end":820.64496,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02479816973209381},{"word":"that","start":820.64496,"end":821.14496,"confidence":0.9655762,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.06483709812164307},{"word":"and","start":821.445,"end":821.685,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17541095614433289},{"word":"i","start":821.685,"end":821.765,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2376897633075714},{"word":"have","start":821.765,"end":822.005,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.28479576110839844},{"word":"also","start":822.005,"end":822.325,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.24198314547538757},{"word":"just","start":822.325,"end":822.565,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2429315745830536},{"word":"included","start":822.565,"end":823.065,"confidence":1.0,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.2899312674999237},{"word":"your","start":823.365,"end":823.865,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2738417088985443},{"word":"premium","start":825.125,"end":825.625,"confidence":0.67700195,"punctuated_word":"premium.","sentiment":"neutral","sentiment_score":0.23490986227989197},{"word":"now","start":825.765,"end":826.165,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1938891708850861},{"word":"just","start":826.165,"end":826.40497,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18384051322937012},{"word":"for","start":826.40497,"end":826.565,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18943171203136444},{"word":"your","start":826.565,"end":826.885,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2097761631011963},{"word":"reference","start":826.885,"end":827.285,"confidence":0.9326172,"punctuated_word":"reference","sentiment":"neutral","sentiment_score":0.22410030663013455},{"word":"as","start":827.285,"end":827.445,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20058327913284305},{"word":"well","start":827.445,"end":827.685,"confidence":0.8742676,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.17868977785110474},{"word":"every","start":827.685,"end":828.08496,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.19140546023845673},{"word":"time","start":828.08496,"end":828.58496,"confidence":0.7783203,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.16741520166397095},{"word":"with","start":829.18005,"end":829.42004,"confidence":0.96533203,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1836906373500824},{"word":"insurances","start":829.42004,"end":829.92004,"confidence":0.9947917,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.1559598296880722},{"word":"we","start":829.98004,"end":830.22003,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17078587412834167},{"word":"do","start":830.22003,"end":830.38,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1804229766130447},{"word":"get","start":830.38,"end":830.7,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1846168041229248},{"word":"commissions","start":830.7,"end":831.2,"confidence":0.9448242,"punctuated_word":"commissions,","sentiment":"neutral","sentiment_score":0.19052700698375705},{"word":"and","start":831.34,"end":831.5,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.202100470662117},{"word":"that","start":831.5,"end":831.66003,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21111057698726657},{"word":"is","start":831.66003,"end":831.98004,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18749277293682096},{"word":"22%","start":831.98004,"end":833.12006,"confidence":0.9980469,"punctuated_word":"22%","sentiment":"neutral","sentiment_score":0.19674617052078247},{"word":"ongoing","start":833.42004,"end":833.92004,"confidence":0.9995117,"punctuated_word":"ongoing.","sentiment":"neutral","sentiment_score":0.17933019995689392},{"word":"now","start":834.7,"end":834.94,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04450155794620514},{"word":"that","start":834.94,"end":835.18005,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.022536516189575195},{"word":"is","start":835.18005,"end":835.58,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.015550516545772552},{"word":"tile","start":835.58,"end":835.98004,"confidence":0.37768555,"punctuated_word":"tile","sentiment":"neutral","sentiment_score":0.005946122109889984},{"word":"paying","start":835.98004,"end":836.22003,"confidence":0.9970703,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.010848209261894226},{"word":"us","start":836.22003,"end":836.46,"confidence":0.8857422,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":-0.001971885561943054},{"word":"though","start":836.46,"end":836.7,"confidence":0.97998047,"punctuated_word":"though.","sentiment":"neutral","sentiment_score":-0.023262210190296173},{"word":"it","start":836.7,"end":836.86005,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.03445395827293396},{"word":"is","start":836.86005,"end":837.02,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.047176800668239594},{"word":"not","start":837.02,"end":837.26,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.024672292172908783},{"word":"you","start":837.26,"end":837.58,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.026959940791130062},{"word":"paying","start":837.58,"end":837.9,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.024666838347911835},{"word":"us","start":837.9,"end":838.14,"confidence":0.90966797,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":-0.04377064108848572},{"word":"and","start":838.14,"end":838.38,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.034078337252140045},{"word":"it","start":838.38,"end":838.54004,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.00982367992401123},{"word":"is","start":838.54004,"end":838.7,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0009231418371200562},{"word":"the","start":838.7,"end":838.86005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.035062193870544434},{"word":"same","start":838.86005,"end":839.02,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.07626353949308395},{"word":"for","start":839.02,"end":839.34,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.048131003975868225},{"word":"every","start":839.34,"end":839.58,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.04892507940530777},{"word":"single","start":839.58,"end":839.9,"confidence":1.0,"punctuated_word":"single","sentiment":"neutral","sentiment_score":0.02021743357181549},{"word":"insurer","start":839.9,"end":840.38,"confidence":0.55126953,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":-0.0010128095746040344},{"word":"provider","start":840.38,"end":840.86005,"confidence":0.9428711,"punctuated_word":"provider,","sentiment":"neutral","sentiment_score":0.010525118559598924},{"word":"for","start":840.86005,"end":841.02,"confidence":0.7426758,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03392986208200455},{"word":"every","start":841.02,"end":841.34,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.04166568070650101},{"word":"single","start":841.34,"end":841.66003,"confidence":1.0,"punctuated_word":"single","sentiment":"neutral","sentiment_score":0.024275794625282288},{"word":"adviser","start":841.66003,"end":842.16003,"confidence":0.7775879,"punctuated_word":"adviser.","sentiment":"neutral","sentiment_score":-0.00035392120480537415},{"word":"so","start":842.615,"end":842.77496,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.005499027669429779},{"word":"it","start":842.77496,"end":842.855,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01102856546640396},{"word":"doesn't","start":842.855,"end":843.175,"confidence":0.9995117,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.02897137776017189},{"word":"sway","start":843.175,"end":843.495,"confidence":0.5986328,"punctuated_word":"sway","sentiment":"neutral","sentiment_score":-0.09002994000911713},{"word":"us","start":843.495,"end":843.65497,"confidence":0.99316406,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.06088602542877197},{"word":"in","start":843.65497,"end":843.89496,"confidence":0.9682617,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.07790163159370422},{"word":"like","start":843.89496,"end":844.055,"confidence":1.0,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.059248652309179306},{"word":"any","start":844.055,"end":844.295,"confidence":0.9838867,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.02062682807445526},{"word":"way","start":844.295,"end":844.615,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.052715882658958435},{"word":"to","start":844.615,"end":844.855,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05252470076084137},{"word":"recommend","start":844.855,"end":845.33496,"confidence":1.0,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":-0.040923111140728},{"word":"one","start":845.33496,"end":845.65497,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.0611453503370285},{"word":"provider","start":845.65497,"end":846.15497,"confidence":1.0,"punctuated_word":"provider","sentiment":"neutral","sentiment_score":-0.0747513473033905},{"word":"over","start":846.295,"end":846.535,"confidence":0.9980469,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.03339582681655884},{"word":"the","start":846.535,"end":846.77496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.030695073306560516},{"word":"other","start":846.77496,"end":847.175,"confidence":0.91430664,"punctuated_word":"other.","sentiment":"neutral","sentiment_score":-0.026034340262413025},{"word":"but","start":847.175,"end":847.415,"confidence":0.49267578,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03119044005870819},{"word":"for","start":847.415,"end":847.65497,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0028480254113674164},{"word":"compliances","start":847.65497,"end":848.15497,"confidence":0.86051434,"punctuated_word":"compliances,","sentiment":"neutral","sentiment_score":0.04597925394773483},{"word":"we","start":848.21497,"end":848.45496,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.020162608474493027},{"word":"have","start":848.45496,"end":848.615,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01276068389415741},{"word":"to","start":848.615,"end":848.77496,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.022027045488357544},{"word":"disclose","start":848.77496,"end":849.25494,"confidence":0.9863281,"punctuated_word":"disclose","sentiment":"neutral","sentiment_score":0.06104505807161331},{"word":"any","start":849.25494,"end":849.495,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.05174371600151062},{"word":"commissions","start":849.495,"end":849.975,"confidence":0.9863281,"punctuated_word":"commissions","sentiment":"neutral","sentiment_score":0.07924450933933258},{"word":"we","start":849.975,"end":850.055,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05839960649609566},{"word":"receive","start":850.055,"end":850.45496,"confidence":0.81396484,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.04518229514360428},{"word":"so","start":850.45496,"end":850.615,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03691234439611435},{"word":"that","start":850.615,"end":850.77496,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08049439638853073},{"word":"you","start":850.77496,"end":850.935,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11453798413276672},{"word":"are","start":850.935,"end":851.095,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09696440398693083},{"word":"fully","start":851.095,"end":851.495,"confidence":1.0,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.11815670877695084},{"word":"aware","start":851.495,"end":851.89496,"confidence":1.0,"punctuated_word":"aware.","sentiment":"neutral","sentiment_score":0.05738876760005951},{"word":"does","start":851.89496,"end":852.13495,"confidence":0.99902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.07137903571128845},{"word":"that","start":852.13495,"end":852.295,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11444762349128725},{"word":"all","start":852.295,"end":852.45496,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.11875618994235992},{"word":"make","start":852.45496,"end":852.69495,"confidence":0.9941406,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.0828532874584198},{"word":"sense","start":852.69495,"end":853.19495,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.074501171708107},{"word":"yep","start":853.815,"end":854.21497,"confidence":0.7064209,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10083453357219696},{"word":"perfect","start":854.21497,"end":854.71497,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.45927894115448},{"word":"and","start":855.34,"end":855.42,"confidence":0.97265625,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.26997658610343933},{"word":"that","start":855.42,"end":855.66,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3002636134624481},{"word":"was","start":855.66,"end":856.06,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.3117862939834595},{"word":"essentially","start":856.06,"end":856.56,"confidence":0.9770508,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.2756693363189697},{"word":"everything","start":856.7,"end":857.1,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.3788532316684723},{"word":"today","start":857.1,"end":857.5,"confidence":0.9995117,"punctuated_word":"today,","sentiment":"positive","sentiment_score":0.3462028503417969},{"word":"emmy","start":857.5,"end":857.82,"confidence":0.8540039,"punctuated_word":"Emmy.","sentiment":"positive","sentiment_score":0.3551524877548218},{"word":"so","start":857.82,"end":858.06,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24414397776126864},{"word":"like","start":858.06,"end":858.22003,"confidence":0.9003906,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.28343015909194946},{"word":"i","start":858.22003,"end":858.3,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24170346558094025},{"word":"said","start":858.3,"end":858.7,"confidence":0.99902344,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.2772522568702698},{"word":"pretty","start":858.7,"end":859.02,"confidence":0.9277344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.3299654424190521},{"word":"straightforward","start":859.02,"end":859.52,"confidence":0.7121582,"punctuated_word":"straightforward,","sentiment":"neutral","sentiment_score":0.2238231599330902},{"word":"keeping","start":859.9,"end":860.22003,"confidence":0.99902344,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.2639644145965576},{"word":"you","start":860.22003,"end":860.38,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23259732127189636},{"word":"in","start":860.38,"end":860.54,"confidence":0.9741211,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19697757065296173},{"word":"hub","start":860.54,"end":860.78,"confidence":0.48999023,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.24145881831645968},{"word":"24","start":860.78,"end":861.42,"confidence":0.94799805,"punctuated_word":"24,","sentiment":"neutral","sentiment_score":0.2124321162700653},{"word":"just","start":861.42,"end":861.74,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16467612981796265},{"word":"changing","start":861.74,"end":862.22003,"confidence":1.0,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.1858521997928619},{"word":"some","start":862.22003,"end":862.46,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.0988740772008896},{"word":"of","start":862.46,"end":862.62,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13118711113929749},{"word":"those","start":862.62,"end":862.94,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09927286207675934},{"word":"investments","start":862.94,"end":863.44,"confidence":0.99902344,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.0353231206536293},{"word":"around","start":863.58,"end":864.08,"confidence":0.9604492,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":0.12203283607959747},{"word":"reducing","start":864.54,"end":865.02,"confidence":0.9536133,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":0.10452281683683395},{"word":"those","start":865.02,"end":865.34,"confidence":0.9707031,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.049488939344882965},{"word":"fees","start":865.34,"end":865.58,"confidence":0.99902344,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.3957083523273468},{"word":"a","start":865.58,"end":865.74,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35400041937828064},{"word":"little","start":865.74,"end":865.98,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.28365036845207214},{"word":"bit","start":865.98,"end":866.22003,"confidence":0.842041,"punctuated_word":"bit,","sentiment":"positive","sentiment_score":0.4094946384429931},{"word":"and","start":866.22003,"end":866.72003,"confidence":0.9970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.49256432056427},{"word":"improving","start":867.02,"end":867.42,"confidence":0.6796875,"punctuated_word":"improving","sentiment":"positive","sentiment_score":0.5783764719963074},{"word":"the","start":867.42,"end":867.58,"confidence":0.96435547,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6721522212028503},{"word":"returns","start":867.58,"end":868.08,"confidence":0.9309082,"punctuated_word":"returns.","sentiment":"positive","sentiment_score":0.5667353272438049},{"word":"no","start":868.38,"end":868.62,"confidence":0.9970703,"punctuated_word":"No","sentiment":"positive","sentiment_score":0.47704267501831055},{"word":"estimate","start":868.62,"end":869.02,"confidence":0.82177734,"punctuated_word":"estimate","sentiment":"positive","sentiment_score":0.5265384912490845},{"word":"of","start":869.02,"end":869.1,"confidence":0.92333984,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5301247239112854},{"word":"capital","start":869.1,"end":869.58,"confidence":1.0,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.32431042194366455},{"word":"gains","start":869.58,"end":869.9,"confidence":0.9577637,"punctuated_word":"gains,","sentiment":"positive","sentiment_score":0.46863338351249695},{"word":"which","start":869.9,"end":870.22003,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6091994047164917},{"word":"is","start":870.22003,"end":870.54,"confidence":0.9980469,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6328550577163696},{"word":"good","start":870.54,"end":870.915,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5931050777435303},{"word":"do","start":871.795,"end":871.95496,"confidence":0.99121094,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.24093914031982425},{"word":"you","start":871.95496,"end":872.115,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2716561555862427},{"word":"have","start":872.115,"end":872.355,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.25242576003074646},{"word":"any","start":872.355,"end":872.595,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2224433273077011},{"word":"questions","start":872.595,"end":873.095,"confidence":0.79785156,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.20847293734550476},{"word":"or","start":873.15497,"end":873.315,"confidence":0.94921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.15924453735351562},{"word":"what","start":873.315,"end":873.475,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13755112886428833},{"word":"are","start":873.475,"end":873.555,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.14041994512081146},{"word":"your","start":873.555,"end":873.795,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09590143710374832},{"word":"thoughts","start":873.795,"end":874.115,"confidence":1.0,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":0.08900047838687897},{"word":"on","start":874.115,"end":874.27496,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10694804042577744},{"word":"this","start":874.27496,"end":874.77496,"confidence":0.99902344,"punctuated_word":"this?","sentiment":"neutral","sentiment_score":0.12587276101112366},{"word":"yes","start":882.035,"end":882.535,"confidence":0.9699707,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.01199602708220482},{"word":"of","start":882.595,"end":882.83496,"confidence":0.99902344,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.014447573572397232},{"word":"course","start":882.83496,"end":883.33496,"confidence":1.0,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.030177731066942215},{"word":"yeah","start":884.95,"end":885.35004,"confidence":0.86938477,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.019452955573797222},{"word":"nope","start":885.35004,"end":885.85004,"confidence":0.8569336,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.03704853355884552},{"word":"there","start":897.125,"end":897.445,"confidence":0.6567383,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.06408877670764923},{"word":"should","start":897.445,"end":897.76495,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.022871341556310657},{"word":"be","start":897.76495,"end":897.925,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.034986983984708786},{"word":"one","start":897.925,"end":898.245,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.04893779009580612},{"word":"there","start":898.245,"end":898.745,"confidence":0.7878418,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.047891996800899506},{"word":"but","start":899.125,"end":899.365,"confidence":0.7675781,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.020299991592764854},{"word":"if","start":899.365,"end":899.605,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0031111817806959152},{"word":"you","start":899.605,"end":899.76495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02395227923989296},{"word":"can't","start":899.76495,"end":900.26495,"confidence":0.99934894,"punctuated_word":"can't,","sentiment":"neutral","sentiment_score":-0.008946464397013187},{"word":"i","start":900.565,"end":900.805,"confidence":0.89990234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.016161326318979263},{"word":"can","start":900.805,"end":900.96497,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.01211727038025856},{"word":"just","start":900.96497,"end":901.285,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.004022814333438873},{"word":"email","start":901.285,"end":901.52496,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.017630618065595627},{"word":"it","start":901.52496,"end":901.685,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.006083890795707703},{"word":"through","start":901.685,"end":901.925,"confidence":0.8989258,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.002621646970510483},{"word":"you","start":901.925,"end":902.08496,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.019723422825336456},{"word":"if","start":902.08496,"end":902.245,"confidence":0.69873047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0010309237986803057},{"word":"you","start":902.245,"end":902.40497,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.023543860763311383},{"word":"want","start":902.40497,"end":902.725,"confidence":0.9980469,"punctuated_word":"want.","sentiment":"neutral","sentiment_score":-0.02573612704873085},{"word":"i","start":902.725,"end":902.805,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.012923751957714558},{"word":"can","start":902.805,"end":902.96497,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04019875079393387},{"word":"just","start":902.96497,"end":903.20496,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03975960239768028},{"word":"email","start":903.20496,"end":903.445,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.06529374420642853},{"word":"you","start":903.445,"end":903.52496,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0410984605550766},{"word":"a","start":903.52496,"end":903.685,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03466803580522537},{"word":"pdf","start":903.685,"end":904.08496,"confidence":0.96777344,"punctuated_word":"PDF","sentiment":"neutral","sentiment_score":0.035215191543102264},{"word":"version","start":904.08496,"end":904.485,"confidence":0.99902344,"punctuated_word":"version.","sentiment":"neutral","sentiment_score":0.03499971330165863},{"word":"yep","start":904.485,"end":904.725,"confidence":0.9555664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1296912282705307},{"word":"perfect","start":904.725,"end":905.125,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3420405387878418},{"word":"i'll","start":905.125,"end":905.285,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.18447113037109375},{"word":"attach","start":905.285,"end":905.785,"confidence":0.9970703,"punctuated_word":"attach","sentiment":"neutral","sentiment_score":0.11325597763061523},{"word":"the","start":905.845,"end":906.345,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10125044733285904},{"word":"appendix","start":907.125,"end":907.625,"confidence":0.984375,"punctuated_word":"appendix","sentiment":"neutral","sentiment_score":0.10445600748062134},{"word":"as","start":907.76495,"end":907.925,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10706734657287598},{"word":"well","start":907.925,"end":908.425,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.10758387297391891},{"word":"just","start":908.805,"end":909.125,"confidence":0.83447266,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08816056698560715},{"word":"if","start":909.125,"end":909.365,"confidence":0.9633789,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.087087482213974},{"word":"if","start":909.365,"end":909.605,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0028548622503876686},{"word":"you","start":909.605,"end":909.76495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.003496473655104637},{"word":"can't","start":909.76495,"end":910.165,"confidence":0.9995117,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.0015321474056690931},{"word":"see","start":910.165,"end":910.32495,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.011538427323102953},{"word":"it","start":910.32495,"end":910.82495,"confidence":0.99853516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.03880819678306579},{"word":"now","start":911.83,"end":911.99,"confidence":0.70458984,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0831078588962555},{"word":"then","start":911.99,"end":912.23004,"confidence":0.92333984,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.0795551985502243},{"word":"obviously","start":912.23004,"end":912.71,"confidence":0.9995117,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.053064197301864624},{"word":"take","start":912.71,"end":912.95,"confidence":0.79541016,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.07471853494644165},{"word":"some","start":912.95,"end":913.11,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.047471482306718826},{"word":"time","start":913.11,"end":913.43,"confidence":0.7998047,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.07787832617759705},{"word":"have","start":913.43,"end":913.55,"confidence":0.99902344,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.08560502529144287},{"word":"a","start":913.55,"end":913.67,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11979252845048904},{"word":"bit","start":913.67,"end":913.91003,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1281280517578125},{"word":"of","start":913.91003,"end":913.99,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13618770241737366},{"word":"a","start":913.99,"end":914.15,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11966829746961594},{"word":"read","start":914.15,"end":914.47003,"confidence":0.9892578,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.0909559801220894},{"word":"over","start":914.47003,"end":914.63,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.12363648414611816},{"word":"it","start":914.63,"end":915.03,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.09447644650936128},{"word":"if","start":915.03,"end":915.19,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.14118385314941406},{"word":"you","start":915.19,"end":915.35004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11612797528505324},{"word":"have","start":915.35004,"end":915.51,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11130110919475555},{"word":"any","start":915.51,"end":915.83,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.111543670296669},{"word":"questions","start":915.83,"end":916.31,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.10561046749353407},{"word":"at","start":916.31,"end":916.55,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09157867729663847},{"word":"all","start":916.55,"end":916.95,"confidence":0.99902344,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":0.10946980118751526},{"word":"just","start":916.95,"end":917.27,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09871403127908708},{"word":"give","start":917.27,"end":917.51,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.07994308322668076},{"word":"me","start":917.51,"end":917.75,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.11543936282396317},{"word":"a","start":917.75,"end":917.83,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09061958640813828},{"word":"call","start":917.83,"end":918.33,"confidence":0.9980469,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.06616891920566559},{"word":"if","start":918.79004,"end":918.95,"confidence":0.99902344,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.44043588638305664},{"word":"you","start":918.95,"end":919.11,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4974333941936493},{"word":"do","start":919.11,"end":919.61,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3805490732192993},{"word":"read","start":919.67,"end":919.91003,"confidence":0.9790039,"punctuated_word":"read","sentiment":"positive","sentiment_score":0.46919792890548706},{"word":"through","start":919.91003,"end":920.15,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.5382387042045593},{"word":"it","start":920.15,"end":920.31,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5997146368026733},{"word":"and","start":920.31,"end":920.47003,"confidence":0.8935547,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5559203624725342},{"word":"it","start":920.47003,"end":920.63,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6028844118118286},{"word":"all","start":920.63,"end":920.79004,"confidence":0.99902344,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.6189129948616028},{"word":"makes","start":920.79004,"end":921.03,"confidence":0.94189453,"punctuated_word":"makes","sentiment":"positive","sentiment_score":0.5227935314178467},{"word":"sense","start":921.03,"end":921.27,"confidence":1.0,"punctuated_word":"sense","sentiment":"positive","sentiment_score":0.5029062032699585},{"word":"and","start":921.27,"end":921.43,"confidence":0.93603516,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5023653507232666},{"word":"you","start":921.43,"end":921.59,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6303977370262146},{"word":"are","start":921.59,"end":921.75,"confidence":0.99316406,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.5622079968452454},{"word":"happy","start":921.75,"end":922.07,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5964146852493286},{"word":"with","start":922.07,"end":922.31,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6478539705276489},{"word":"the","start":922.31,"end":922.47003,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6196688413619995},{"word":"recommendation","start":922.47003,"end":922.97003,"confidence":1.0,"punctuated_word":"recommendation","sentiment":"positive","sentiment_score":0.6313928961753845},{"word":"to","start":923.51,"end":923.75,"confidence":0.5048828,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5382962226867676},{"word":"move","start":923.75,"end":923.99,"confidence":1.0,"punctuated_word":"move","sentiment":"positive","sentiment_score":0.5796586275100708},{"word":"forward","start":923.99,"end":924.49,"confidence":0.9980469,"punctuated_word":"forward,","sentiment":"positive","sentiment_score":0.5506802201271057},{"word":"you","start":924.55,"end":924.71,"confidence":0.7426758,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5457642078399658},{"word":"would","start":924.71,"end":924.87,"confidence":0.9941406,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.5239075422286987},{"word":"then","start":924.87,"end":925.19,"confidence":0.99902344,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.4791843593120575},{"word":"be","start":925.19,"end":925.35004,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.42615488171577454},{"word":"where","start":925.35004,"end":925.59,"confidence":1.0,"punctuated_word":"where","sentiment":"positive","sentiment_score":0.4550260901451111},{"word":"you","start":925.59,"end":925.83,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3904273211956024},{"word":"are","start":925.83,"end":926.07,"confidence":1.0,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3465583622455597},{"word":"currently","start":926.07,"end":926.57,"confidence":0.9946289,"punctuated_word":"currently.","sentiment":"neutral","sentiment_score":0.2831234335899353},{"word":"it","start":927.08496,"end":927.325,"confidence":0.9223633,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.20286889374256137},{"word":"will","start":927.325,"end":927.40497,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2494052052497864},{"word":"then","start":927.40497,"end":927.64496,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.259599506855011},{"word":"ask","start":927.64496,"end":927.885,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.21786783635616305},{"word":"you","start":927.885,"end":928.125,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22192081809043884},{"word":"to","start":928.125,"end":928.365,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16892462968826294},{"word":"add","start":928.365,"end":928.865,"confidence":0.9790039,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.19259148836135864},{"word":"exactly","start":929.40497,"end":929.90497,"confidence":0.88427734,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.21271343529224396},{"word":"once","start":930.125,"end":930.445,"confidence":0.9980469,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.22690150141716003},{"word":"you've","start":930.445,"end":930.765,"confidence":0.9980469,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.24655866622924805},{"word":"signed","start":930.765,"end":931.005,"confidence":0.9580078,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.24423275887966156},{"word":"it","start":931.005,"end":931.245,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.29409468173980713},{"word":"and","start":931.245,"end":931.40497,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24662397801876068},{"word":"validated","start":931.40497,"end":931.90497,"confidence":0.75146484,"punctuated_word":"validated,","sentiment":"neutral","sentiment_score":0.30409497022628784},{"word":"it","start":931.96497,"end":932.045,"confidence":0.9277344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.32909244298934937},{"word":"will","start":932.045,"end":932.205,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.27697959542274475},{"word":"send","start":932.205,"end":932.445,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.23662951588630676},{"word":"it","start":932.445,"end":932.605,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.28715434670448303},{"word":"back","start":932.605,"end":932.765,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.26407408714294434},{"word":"to","start":932.765,"end":932.925,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2772976756095886},{"word":"me","start":932.925,"end":933.245,"confidence":0.9970703,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.2613106966018677},{"word":"i'll","start":933.245,"end":933.485,"confidence":0.9741211,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.29217275977134705},{"word":"get","start":933.485,"end":933.805,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.28578850626945496},{"word":"notified","start":933.805,"end":934.285,"confidence":1.0,"punctuated_word":"notified","sentiment":"neutral","sentiment_score":0.29045289754867554},{"word":"that","start":934.285,"end":934.445,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.33263108134269714},{"word":"you","start":934.445,"end":934.685,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31294795870780945},{"word":"want","start":934.685,"end":934.845,"confidence":0.99902344,"punctuated_word":"want","sentiment":"positive","sentiment_score":0.3382337987422943},{"word":"to","start":934.845,"end":934.925,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3341262936592102},{"word":"go","start":934.925,"end":935.08496,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.3381490409374237},{"word":"ahead","start":935.08496,"end":935.325,"confidence":0.92211914,"punctuated_word":"ahead,","sentiment":"positive","sentiment_score":0.35206174850463867},{"word":"and","start":935.325,"end":935.485,"confidence":0.9970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35551702976226807},{"word":"we","start":935.485,"end":935.725,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.32399678230285645},{"word":"can","start":935.725,"end":935.885,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.35360482335090637},{"word":"put","start":935.885,"end":936.125,"confidence":1.0,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.3822263181209564},{"word":"all","start":936.125,"end":936.285,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3878805637359619},{"word":"that","start":936.285,"end":936.52496,"confidence":0.9970703,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3620800375938415},{"word":"in","start":936.52496,"end":936.685,"confidence":0.80322266,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.29220521450042725},{"word":"force","start":936.685,"end":937.08496,"confidence":0.9506836,"punctuated_word":"force","sentiment":"positive","sentiment_score":0.3418598771095276},{"word":"for","start":937.08496,"end":937.245,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.292611688375473},{"word":"you","start":937.245,"end":937.745,"confidence":0.9921875,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.19683662056922913},{"word":"but","start":938.125,"end":938.365,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.16243696212768555},{"word":"you","start":938.365,"end":938.52496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1722087264060974},{"word":"do","start":938.52496,"end":938.685,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1716674566268921},{"word":"have","start":938.685,"end":938.845,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16830173134803772},{"word":"a","start":938.845,"end":939.005,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18721583485603333},{"word":"couple","start":939.005,"end":939.245,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1492026001214981},{"word":"of","start":939.245,"end":939.325,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1571873277425766},{"word":"more","start":939.325,"end":939.565,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1293518841266632},{"word":"days","start":939.565,"end":939.725,"confidence":0.99902344,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.17898064851760864},{"word":"to","start":939.725,"end":939.9,"confidence":0.7216797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2040543109178543},{"word":"obviously","start":939.98004,"end":940.18005,"confidence":0.99609375,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.18136978149414065},{"word":"have","start":940.18005,"end":940.38,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16294559836387634},{"word":"a","start":940.38,"end":940.46,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15957430005073547},{"word":"read","start":940.46,"end":940.78,"confidence":0.8833008,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.18558791279792783},{"word":"over","start":940.78,"end":941.10004,"confidence":0.96435547,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2164308726787567},{"word":"everything","start":941.10004,"end":941.5,"confidence":0.9206543,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.2331329584121704},{"word":"make","start":941.5,"end":941.66003,"confidence":1.0,"punctuated_word":"Make","sentiment":"neutral","sentiment_score":0.2954481542110443},{"word":"sure","start":941.66003,"end":941.82,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.3241505026817322},{"word":"you","start":941.82,"end":942.06,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3635922074317932},{"word":"are","start":942.06,"end":942.22003,"confidence":0.9980469,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3680023550987244},{"word":"happy","start":942.22003,"end":942.62,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.33524882793426514},{"word":"before","start":942.62,"end":943.10004,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.308036744594574},{"word":"signing","start":943.10004,"end":943.5,"confidence":0.9980469,"punctuated_word":"signing","sentiment":"neutral","sentiment_score":0.1780836582183838},{"word":"anything","start":943.5,"end":944.0,"confidence":0.99902344,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":0.24415525794029236},{"word":"just","start":944.54004,"end":944.78,"confidence":1.0,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.11837869882583618},{"word":"note","start":944.78,"end":945.18005,"confidence":0.9873047,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.0783098042011261},{"word":"that","start":945.18005,"end":945.34,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05403926596045494},{"word":"it","start":945.34,"end":945.58,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05912742018699646},{"word":"does","start":945.58,"end":945.98004,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.024623379111289975},{"word":"expire","start":945.98004,"end":946.48004,"confidence":1.0,"punctuated_word":"expire","sentiment":"neutral","sentiment_score":0.08560974895954132},{"word":"on","start":947.74005,"end":948.24005,"confidence":0.34399414,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03503582626581192},{"word":"sunday","start":948.54004,"end":949.04004,"confidence":0.8510742,"punctuated_word":"Sunday.","sentiment":"neutral","sentiment_score":0.07039599120616913},{"word":"so","start":949.18005,"end":949.42004,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12010043859481812},{"word":"you","start":949.42004,"end":949.58,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13513904809951782},{"word":"do","start":949.58,"end":949.74005,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1131647452712059},{"word":"have","start":949.74005,"end":949.98004,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1340489387512207},{"word":"this","start":949.98004,"end":950.22003,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0942581593990326},{"word":"week","start":950.22003,"end":950.54004,"confidence":0.9343262,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.07522356510162354},{"word":"just","start":950.54004,"end":950.86005,"confidence":1.0,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.06072868034243584},{"word":"be","start":950.86005,"end":951.02,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06578022986650467},{"word":"mindful","start":951.02,"end":951.52,"confidence":1.0,"punctuated_word":"mindful.","sentiment":"neutral","sentiment_score":0.08580392599105835},{"word":"okay","start":951.98004,"end":952.46,"confidence":0.9946289,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.20078659057617188},{"word":"perfect","start":952.46,"end":952.96,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3566664457321167},{"word":"i","start":953.375,"end":953.535,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.25249600410461426},{"word":"will","start":953.535,"end":953.77496,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.27399754524230957},{"word":"send","start":953.77496,"end":953.935,"confidence":1.0,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.35352829098701477},{"word":"you","start":953.935,"end":954.175,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3584153354167938},{"word":"that","start":954.175,"end":954.495,"confidence":0.9614258,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32824280858039856},{"word":"email","start":954.495,"end":954.995,"confidence":1.0,"punctuated_word":"email","sentiment":"positive","sentiment_score":0.34377363324165344},{"word":"in","start":955.295,"end":955.45496,"confidence":0.6948242,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3097764551639557},{"word":"the","start":955.45496,"end":955.615,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.322584867477417},{"word":"next","start":955.615,"end":955.855,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.32474401593208313},{"word":"couple","start":955.855,"end":956.095,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.27306973934173584},{"word":"of","start":956.095,"end":956.255,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.35254642367362976},{"word":"minutes","start":956.255,"end":956.575,"confidence":1.0,"punctuated_word":"minutes","sentiment":"positive","sentiment_score":0.42733702063560486},{"word":"so","start":956.575,"end":956.815,"confidence":0.99609375,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.3504551351070404},{"word":"that","start":956.815,"end":956.975,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.368516743183136},{"word":"you","start":956.975,"end":957.135,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35990220308303833},{"word":"have","start":957.135,"end":957.295,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4117733836174011},{"word":"it","start":957.295,"end":957.535,"confidence":0.9760742,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.39418330788612366},{"word":"handy","start":957.535,"end":958.035,"confidence":0.9946289,"punctuated_word":"handy.","sentiment":"neutral","sentiment_score":0.2969764471054077},{"word":"but","start":958.33496,"end":958.65497,"confidence":0.9589844,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2755345106124878},{"word":"do","start":958.65497,"end":958.815,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2659248411655426},{"word":"you","start":958.815,"end":958.89496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1659441739320755},{"word":"have","start":958.89496,"end":959.135,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13829606771469116},{"word":"any","start":959.135,"end":959.375,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.14839507639408112},{"word":"other","start":959.375,"end":959.615,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.032848015427589417},{"word":"questions","start":959.615,"end":960.115,"confidence":0.9970703,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.03899436444044113},{"word":"before","start":960.175,"end":960.415,"confidence":0.99609375,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.02466605417430401},{"word":"i","start":960.415,"end":960.575,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.007387302815914154},{"word":"let","start":960.575,"end":960.65497,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.01992831379175186},{"word":"you","start":960.65497,"end":960.815,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.050776973366737366},{"word":"go","start":960.815,"end":960.975,"confidence":0.814209,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":-0.06558964401483536},{"word":"by","start":960.975,"end":961.135,"confidence":0.8496094,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.03626672551035881},{"word":"the","start":961.135,"end":961.21497,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11980455368757248},{"word":"way","start":961.21497,"end":961.71497,"confidence":1.0,"punctuated_word":"way?","sentiment":"neutral","sentiment_score":-0.06659489870071411},{"word":"no","start":962.175,"end":962.495,"confidence":0.58166504,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.035642825067043304},{"word":"okay","start":962.495,"end":962.815,"confidence":0.9746094,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05501843988895416},{"word":"perfect","start":962.815,"end":963.295,"confidence":0.9975586,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.08575951308012009},{"word":"well","start":963.295,"end":963.45496,"confidence":0.99658203,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.6090564131736755},{"word":"thank","start":963.45496,"end":963.615,"confidence":1.0,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.841816782951355},{"word":"you","start":963.615,"end":963.77496,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8744916915893555},{"word":"so","start":963.77496,"end":963.935,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8092554211616516},{"word":"much","start":963.935,"end":964.175,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8869532942771912},{"word":"for","start":964.175,"end":964.255,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8484452962875366},{"word":"your","start":964.255,"end":964.415,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8628507852554321},{"word":"time","start":964.415,"end":964.575,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.8759658932685852},{"word":"today","start":964.575,"end":964.815,"confidence":0.9995117,"punctuated_word":"today,","sentiment":"positive","sentiment_score":0.8303384780883789},{"word":"emmy","start":964.815,"end":965.21497,"confidence":0.9399414,"punctuated_word":"Emmy.","sentiment":"positive","sentiment_score":0.6858202219009399},{"word":"i","start":965.21497,"end":965.295,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4749225974082947},{"word":"will","start":965.295,"end":965.45496,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.3190425932407379},{"word":"send","start":965.45496,"end":965.695,"confidence":1.0,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.40542054176330566},{"word":"that","start":965.695,"end":965.935,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4994782507419586},{"word":"email","start":965.935,"end":966.33496,"confidence":1.0,"punctuated_word":"email","sentiment":"positive","sentiment_score":0.5403226017951965},{"word":"to","start":966.33496,"end":966.495,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23028580844402313},{"word":"you","start":966.495,"end":966.735,"confidence":0.89990234,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.27094897627830505},{"word":"and","start":966.735,"end":966.975,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2868448793888092},{"word":"let","start":966.975,"end":967.135,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.35669222474098206},{"word":"me","start":967.135,"end":967.295,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2566913664340973},{"word":"know","start":967.295,"end":967.375,"confidence":1.0,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.3551584780216217},{"word":"if","start":967.375,"end":967.535,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2777516543865204},{"word":"you","start":967.535,"end":967.615,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25294095277786255},{"word":"have","start":967.615,"end":967.695,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2572591304779053},{"word":"any","start":967.695,"end":967.935,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.24335819482803345},{"word":"questions","start":967.935,"end":968.435,"confidence":0.9995117,"punctuated_word":"questions.","sentiment":"neutral","sentiment_score":0.27093061804771423},{"word":"no","start":970.7369,"end":970.8969,"confidence":0.6176758,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.24038320779800415},{"word":"worries","start":970.8969,"end":971.2169,"confidence":0.99316406,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.33551299571990967},{"word":"we'll","start":971.2169,"end":971.3769,"confidence":0.7338867,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.26529768109321594},{"word":"speak","start":971.3769,"end":971.7769,"confidence":0.99316406,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.30553296208381653},{"word":"soon","start":971.7769,"end":972.2769,"confidence":0.99560547,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":0.29325300455093384},{"word":"bye","start":972.7369,"end":973.2369,"confidence":0.9946289,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.19961045682430267}],"paragraphs":{"transcript":"\nGood morning, Amy. This is Veronica from Oakview Financial. How are you? I'm good. Thank you.\n\nI had you booked in this morning. It is a pretty quick one. Just a bit of an update after I did some research on your super investments to see if we can improve things a little bit for you. Do you have a couple of minutes for me now? Yeah.\n\nOkay. Perfect. Now just before I do go any further, I do need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?\n\nPerfect. That's exactly what I have here. Now, Emmy, do you remember the conversation we had for following your annual review a little while ago just in regards to me doing some research on your investments to see if we could swap some that was yeah. Perfect. Now do you have access to your emails at the moment?\n\nOkay. Perfect. Because what I have done is I have just sent you an email with the recommendation, and it just makes it a bit easier if you do have access to it at the same time as I do walk through it with you. Yeah. Yes, please.\n\nSo if you click on the link where it says signature request, it will allow you to open up the documents first before it prompts you to sign anything. And let me know if you can see the cover page where it says statement of advice. Yeah. Sure. In the email as well.\n\nSo yeah. No. That's okay. While I do wait for it to load, if you do go back to the email later, you will also see us send an attachment through the email, and that is just basically where the free search goes. Yeah.\n\nOkay. Perfect. Now it is pretty straightforward today. The document is 26 pages. I won't go through all of that with you because it is pretty straightforward, but a lot of it is just for compliance just to make sure you fully understand everything.\n\nBut like I said, it is pretty straightforward today, so I'll tryna make it quick for you. Now every time we do make a recommendation on any products and make, financial personalized advice, we have to put everything in this statement of advice. Now it is tailored specifically for you as well, and it does expire on the twenty fourth of this month. So you have a couple of days to decide if you would like to go ahead, but just be mindful that it is expiring, soon. Okay?\n\nYep. Now it has been prepared for by myself. You can also see my authorized representative number listed on the cover page there, and I am licensed under financial. Now on the second page, you will see best interest duty. Basically, just means that we have to act in your best interest at all time, and the advice itself has to put in a better position as a result of the advice.\n\nOtherwise, we can't actually make the recommendation. Does that make sense? Yep. Perfect. Now I'll kind of skip through.\n\nAnd if you can kind of keep scrolling with me, you will see a couple of pages talking about scope of advice. Basically, what that refers to is just the areas we are looking at today. So very simple, just focusing on your superannuation to make sure we can give you as much growth as possible. Not making any change to your insurances or anything else. Literally just your super today.\n\nSo pretty straightforward. Now as you scroll through as well, you will see some a couple of pages about you, just some personal information, your assets and liabilities as well. And then you'll have your insurances again. I won't go through that with you because we kind of went through the during the annual review. It's just listed there for you so you have the information.\n\nAnd that then takes me to page 11, which shows your risk profile. Can you see where I'm at? Or page 10. Sorry. Yeah.\n\nPerfect. Now we did go through a couple of questions in regards to how you feel about risk and fluctuation during the annual review, and we're not making any changes. Keeping you in a high growth portfolio is very suitable for you. You still have plenty of time until retirement, so not making any changes to your level of risk or anything like that. Yep.\n\nPerfect. Now that then takes me to page 12. So it says at the top, strategy recommendation with pain hub twenty four. Can you see that? Yep.\n\nPerfect. So I did do some research on other super options for you as well, and I did consider everything just to make sure hub twenty four is still going to be the best option for you because there's always new products and features that comes out. So it is good to kind of reassess every now and then just to make sure. And all the time being, hub 24 still is very much competitive. It is competitive when it comes to prices and features and availability with investment.\n\nI do use hub 24 for my personal super as well. So for the time being, I have recommended staying hub twenty four is doing really good for you and literally just changing a couple of investments. Now what that actually looks like from a projection point of view, if you can scroll down because it's sometimes easier to look at this first to page 17, it should say the comparison table. Can you see that? Yep.\n\nPerfect. Now this is basically so a couple of the pages that you did scroll through, it just basically puts it all into Word, but I often find that looking at it here is sometimes a bit easier. So you can see your current position. You can see your total cost currently, and then you can also see the three year rolling average on your current portfolio. Now on the other side, you can see recommended.\n\nSo like I said, I have recommended staying in hub twenty four literally just changing investments. So not changing insurances or contributions or anything like that, just your investment. And you can see by just taking the investment, the total cost is actually saving you about $474 in investment fees a lot, which I thought was pretty good. Yeah. Now I do also want to let you know we did obviously consider capital gains tax, wanting to minimize that as much as possible with the investment changes.\n\nAnd when we did do the research for at the time, there is no estimated capital gains tax, which is great. Now in terms of an investment return, you can see here that using the same three year rolling average, the new recommended portfolio has performed a little bit better at 17.32%. Does Does that all make sense so far? Perfect. Now if you scroll down one page for me, you can actually see I have this projected that forward for five and ten years to show you kind of, yeah, the compounding difference, which just shows you as well that just making a couple of changes, reducing fees a little bit, and improving those returns, it does make a pretty big difference when we're kind of compounding that forward for you.\n\nAnd you can also see I have included a bit more on the return, so I show you more so parents as well. So the twelve month period, which you can see is a pretty big difference. Obviously, three years is also improved, and then five years in the recommended. Now some of the investments in your current one, haven't been around for five years, so I couldn't give you the five year for that. So that's why we've used the three years as a comparison, But I just wanted to show you a little bit more as well on the recommended return set.\n\nAll makes sense as far as well? Pretty straightforward? Yeah. Perfect. Now if you can scroll up for me to page 16, you should see a, like, a asset allocation table and a pie chart.\n\nYep. Perfect. Now this just shows you your risk profile. So you can see in the second column, risk profile, aiming for that about nine to 10 allocation, existing, and then also the proposed. So you can see that both the existing and proposed are very much aligned with your risk profile.\n\nYou do have a little bit more growth in the proposed. Still have some defensive, though, to limit those fluctuations. Makes sense? Yep. Beautiful.\n\nAnd what that actually looks like in terms of the investment changes for you is if you can scroll up to page 15. Yep. Now this might look a little bit messy, but what it basically shows you, it shows you all the investments. It also shows you your current weight in them. You can see that you have some in a couple, and then, like, the bottom one where it's zero, you don't have anything at the moment.\n\nWhat that looks like in terms of the balance and then the buy and sell column. So this is the one where everything that is in red is what we are selling. What is in black is either what we are keeping in your portfolio or then adding to your portfolio. Then you have the target weight, so what we are aiming for and what that looks like in terms of the dollar value. So, essentially, to try to summarize that for you, we are making a couple of changes.\n\nThe investments of loss, everything stays the same. We are still aiming for that core satellite approach to investment where we do see majority of your funds invested in what we call your core investment. So one of that that's, like, your biggest shareholding. So you can see, for example, the 35% in the iShares S and P 500. We are still keeping that in your portfolio.\n\nIt's doing really well, just increasing that exposure a little bit for you. You can then also see the 25% for beta shares Australia 200. Now this is the one we've kind of changed for that Benelon Australian equity that was underperforming a little bit. So we also want to make sure you have some exposure to the Australian market. We don't want everything just overseas.\n\nSo 25% in this one, and that one basically invests in the 200 largest companies listed on the ASX. So here in Australia, you'll have all the companies like BHP and Woolworths. So all the kind of big Commonwealth or, like, the big companies. So still very diversified for you. The other investments we have switched out is what we call your satellite investments.\n\nNow these can be a little bit more volatile or fluctuate a little bit more, and that's why they only represent a smaller portion of your portfolio. The these are the ones that can give you the most amount of growth as well. So you can see we are still keeping gold in your portfolio as a defensive. It's doing really well, so you wanna keep that in your portfolio. We also have 5% in a fixed interest.\n\nAgain, wanna make sure we have some defensive components to your portfolio. But, otherwise, in terms of the satellite investments, we have 9% invested in Europe. You can see see it there for you. So, again, very diversified all across Europe. You have 5% in Japan.\n\nThen you have 8% in Vanguard or World. You may have heard of Vanguard before. They're they're quite big. Yeah. Perfect.\n\nBut this one here, it invests all around the world, but it does exclude The US because you already have exposures to The US market in that iShares S and P 500, and we don't want too much in one area either. Does that make sense? Yep. Perfect. And that is essentially the changes on the investments.\n\nSo if you would like to go ahead and, you know, read a bit more on the investments as well, in that appendix I mentioned earlier sorry. In the attachment to the email, I have included investment link to these investments. So if it is that you do wanna go back and have a bit of a read over them, that is all in there for you. Now the the last thing I do wanna just touch on is the fee. So if you scroll down to page 21 for me, Yep.\n\nPerfect. So, basically, it just shows you the fee structure again. Now like I mentioned during the annual review, there is no changes whatsoever in regards to the fee structure. It stays reduced at that 1.1 from superannuation. No changes in regards to that.\n\nAnd I have also just included your premium. Now just for your reference as well, every time, with insurances, we do get commissions, and that is 22% ongoing. Now that is tile paying us, though. It is not you paying us, and it is the same for every single insurer provider, for every single adviser. So it doesn't sway us in, like, any way to recommend one provider over the other.\n\nBut for compliances, we have to disclose any commissions we receive so that you are fully aware. Does that all make sense? Yep. Perfect. And that was essentially everything today, Emmy.\n\nSo like I said, pretty straightforward, keeping you in Hub 24, just changing some of those investments around, reducing those fees a little bit, and improving the returns. No estimate of capital gains, which is good. Do you have any questions, or what are your thoughts on this? Yes. Of course.\n\nYeah. Nope. There should be one there. But if you can't, I can just email it through you if you want. I can just email you a PDF version.\n\nYep. Perfect. I'll attach the appendix as well just if if you can't see it. Now then, obviously, take some time. Have a bit of a read over it.\n\nIf you have any questions at all, just give me a call. If you do read through it and it all makes sense and you are happy with the recommendation to move forward, you would then be where you are currently. It will then ask you to add exactly once you've signed it and validated, it will send it back to me. I'll get notified that you want to go ahead, and we can put all that in force for you. But you do have a couple of more days to obviously have a read over everything.\n\nMake sure you are happy before signing anything. Just note that it does expire on Sunday. So you do have this week. Just be mindful. Okay.\n\nPerfect. I will send you that email in the next couple of minutes so that you have it handy. But do you have any other questions before I let you go, by the way? No. Okay.\n\nPerfect. Well, thank you so much for your time today, Emmy. I will send that email to you, and let me know if you have any questions. No worries. We'll speak soon.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning, Amy.","start":4.64,"end":5.44,"sentiment":"positive","sentiment_score":0.42160622278849286},{"text":"This is Veronica from Oakview Financial.","start":5.44,"end":7.62,"sentiment":"positive","sentiment_score":0.33747736116250354},{"text":"How are you?","start":7.7599998,"end":8.5,"sentiment":"neutral","sentiment_score":0.25376465916633606},{"text":"I'm good.","start":10.32,"end":11.04,"sentiment":"positive","sentiment_score":0.4959583878517151},{"text":"Thank you.","start":11.04,"end":11.86,"sentiment":"positive","sentiment_score":0.6819964349269867}],"sentiment":"positive","sentiment_score":0.400430403649807,"num_words":16,"start":4.64,"end":11.86},{"sentences":[{"text":"I had you booked in this morning.","start":12.575001,"end":14.575001,"sentiment":"positive","sentiment_score":0.3879270553588867},{"text":"It is a pretty quick one.","start":14.735001,"end":16.095001,"sentiment":"positive","sentiment_score":0.5175280570983887},{"text":"Just a bit of an update after I did some research on your super investments to see if we can improve things a little bit for you.","start":16.095001,"end":23.154999,"sentiment":"neutral","sentiment_score":0.26029215697888974},{"text":"Do you have a couple of minutes for me now?","start":23.375,"end":25.68,"sentiment":"neutral","sentiment_score":0.043517929315567014},{"text":"Yeah.","start":26.880001,"end":27.2,"sentiment":"neutral","sentiment_score":0.07630261778831482}],"sentiment":"neutral","sentiment_score":0.26196133097012836,"num_words":51,"start":12.575001,"end":27.2},{"sentences":[{"text":"Okay.","start":27.2,"end":27.7,"sentiment":"neutral","sentiment_score":0.13865123689174652},{"text":"Perfect.","start":27.76,"end":28.26,"sentiment":"neutral","sentiment_score":0.2903154492378235},{"text":"Now just before I do go any further, I do need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay.","start":28.720001,"end":36.18,"sentiment":"neutral","sentiment_score":0.0402623583273641},{"text":"Perfect.","start":38.175,"end":38.675,"sentiment":"neutral","sentiment_score":0.1966017186641693},{"text":"And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":39.215,"end":49.075,"sentiment":"neutral","sentiment_score":0.10574094797758495}],"sentiment":"neutral","sentiment_score":0.08164195496250283,"num_words":66,"start":27.2,"end":49.075},{"sentences":[{"text":"Perfect.","start":59.07,"end":59.47,"sentiment":"positive","sentiment_score":0.4951053857803345},{"text":"That's exactly what I have here.","start":59.47,"end":61.489998,"sentiment":"positive","sentiment_score":0.552706648906072},{"text":"Now, Emmy, do you remember the conversation we had for following your annual review a little while ago just in regards to me doing some research on your investments to see if we could swap some that was yeah.","start":62.445,"end":72.845,"sentiment":"neutral","sentiment_score":0.05926246258119742},{"text":"Perfect.","start":72.845,"end":73.345,"sentiment":"neutral","sentiment_score":0.16456183791160583},{"text":"Now do you have access to your emails at the moment?","start":73.885,"end":76.145,"sentiment":"neutral","sentiment_score":0.057034734297882424}],"sentiment":"neutral","sentiment_score":0.11921595232882376,"num_words":58,"start":59.07,"end":76.145},{"sentences":[{"text":"Okay.","start":80.29,"end":80.61,"sentiment":"neutral","sentiment_score":0.1794860064983368},{"text":"Perfect.","start":80.61,"end":81.01,"sentiment":"neutral","sentiment_score":0.2871275842189789},{"text":"Because what I have done is I have just sent you an email with the recommendation, and it just makes it a bit easier if you do have access to it at the same time as I do walk through it with you.","start":81.01,"end":95.645,"sentiment":"neutral","sentiment_score":0.22323208215624787},{"text":"Yeah.","start":95.704994,"end":96.204994,"sentiment":"neutral","sentiment_score":0.09980641305446623},{"text":"Yes, please.","start":96.34499,"end":97.145,"sentiment":"neutral","sentiment_score":0.12251757085323334}],"sentiment":"neutral","sentiment_score":0.2168840557957689,"num_words":48,"start":80.29,"end":97.145},{"sentences":[{"text":"So if you click on the link where it says signature request, it will allow you to open up the documents first before it prompts you to sign anything.","start":97.145,"end":106.284996,"sentiment":"neutral","sentiment_score":0.1461151147197033},{"text":"And let me know if you can see the cover page where it says statement of advice.","start":118.53,"end":124.365,"sentiment":"neutral","sentiment_score":0.09808574441601248},{"text":"Yeah.","start":127.545,"end":127.865,"sentiment":"neutral","sentiment_score":0.10086553543806076},{"text":"Sure.","start":127.865,"end":128.36499,"sentiment":"neutral","sentiment_score":0.10837630927562714},{"text":"In the email as well.","start":135.56,"end":137.34001,"sentiment":"neutral","sentiment_score":0.09003739356994629}],"sentiment":"neutral","sentiment_score":0.12385329800956654,"num_words":53,"start":97.145,"end":137.34001},{"sentences":[{"text":"So yeah.","start":138.68001,"end":143.64,"sentiment":"neutral","sentiment_score":0.0613423902541399},{"text":"No.","start":143.64,"end":143.8,"sentiment":"neutral","sentiment_score":0.009040318429470062},{"text":"That's okay.","start":143.8,"end":144.44,"sentiment":"neutral","sentiment_score":0.11374720185995102},{"text":"While I do wait for it to load, if you do go back to the email later, you will also see us send an attachment through the email, and that is just basically where the free search goes.","start":144.44,"end":155.095,"sentiment":"neutral","sentiment_score":0.12134514807870514},{"text":"Yeah.","start":156.91501,"end":157.41501,"sentiment":"neutral","sentiment_score":0.0977729558944702}],"sentiment":"neutral","sentiment_score":0.11518427467142994,"num_words":44,"start":138.68001,"end":157.41501},{"sentences":[{"text":"Okay.","start":158.27501,"end":158.755,"sentiment":"neutral","sentiment_score":0.2626415491104126},{"text":"Perfect.","start":158.755,"end":159.255,"sentiment":"positive","sentiment_score":0.6228848695755005},{"text":"Now it is pretty straightforward today.","start":160.755,"end":162.57,"sentiment":"positive","sentiment_score":0.5715001622835795},{"text":"The document is 26 pages.","start":162.57,"end":164.33,"sentiment":"neutral","sentiment_score":0.28339638710021975},{"text":"I won't go through all of that with you because it is pretty straightforward, but a lot of it is just for compliance just to make sure you fully understand everything.","start":164.33,"end":172.19,"sentiment":"neutral","sentiment_score":0.3112787263047311}],"sentiment":"positive","sentiment_score":0.34957158734852617,"num_words":44,"start":158.27501,"end":172.19},{"sentences":[{"text":"But like I said, it is pretty straightforward today, so I'll tryna make it quick for you.","start":172.49,"end":176.91,"sentiment":"positive","sentiment_score":0.5484984990428475},{"text":"Now every time we do make a recommendation on any products and make, financial personalized advice, we have to put everything in this statement of advice.","start":177.425,"end":185.845,"sentiment":"neutral","sentiment_score":0.1867048407976444},{"text":"Now it is tailored specifically for you as well, and it does expire on the twenty fourth of this month.","start":186.305,"end":193.11,"sentiment":"neutral","sentiment_score":0.13374876100569963},{"text":"So you have a couple of days to decide if you would like to go ahead, but just be mindful that it is expiring, soon.","start":193.11,"end":200.31,"sentiment":"neutral","sentiment_score":0.05752711087465286},{"text":"Okay?","start":200.31,"end":200.81,"sentiment":"neutral","sentiment_score":0.04238505661487579}],"sentiment":"neutral","sentiment_score":0.2060038021692399,"num_words":89,"start":172.49,"end":200.81},{"sentences":[{"text":"Yep.","start":202.725,"end":203.205,"sentiment":"neutral","sentiment_score":0.07120583951473236},{"text":"Now it has been prepared for by myself.","start":203.205,"end":206.165,"sentiment":"neutral","sentiment_score":0.10720064304769039},{"text":"You can also see my authorized representative number listed on the cover page there, and I am licensed under financial.","start":206.165,"end":212.505,"sentiment":"neutral","sentiment_score":0.09518734719604253},{"text":"Now on the second page, you will see best interest duty.","start":214.40001,"end":218.82,"sentiment":"neutral","sentiment_score":0.058956014161760155},{"text":"Basically, just means that we have to act in your best interest at all time, and the advice itself has to put in a better position as a result of the advice.","start":219.2,"end":228.82,"sentiment":"neutral","sentiment_score":0.061035470105707645}],"sentiment":"neutral","sentiment_score":0.07547512676359878,"num_words":72,"start":202.725,"end":228.82},{"sentences":[{"text":"Otherwise, we can't actually make the recommendation.","start":229.075,"end":231.25499,"sentiment":"neutral","sentiment_score":-0.09767351831708636},{"text":"Does that make sense?","start":231.635,"end":232.69499,"sentiment":"neutral","sentiment_score":0.017674703150987625},{"text":"Yep.","start":233.555,"end":234.055,"sentiment":"neutral","sentiment_score":0.12216683477163316},{"text":"Perfect.","start":234.355,"end":234.855,"sentiment":"neutral","sentiment_score":0.3042345941066742},{"text":"Now I'll kind of skip through.","start":235.23499,"end":236.915,"sentiment":"neutral","sentiment_score":0.14236478507518768}],"sentiment":"neutral","sentiment_score":0.035135490721777865,"num_words":19,"start":229.075,"end":236.915},{"sentences":[{"text":"And if you can kind of keep scrolling with me, you will see a couple of pages talking about scope of advice.","start":236.915,"end":243.415,"sentiment":"neutral","sentiment_score":0.10006703233177011},{"text":"Basically, what that refers to is just the areas we are looking at today.","start":244.66,"end":248.84,"sentiment":"neutral","sentiment_score":0.1687812821141311},{"text":"So very simple, just focusing on your superannuation to make sure we can give you as much growth as possible.","start":248.9,"end":255.0,"sentiment":"positive","sentiment_score":0.40007945746183393},{"text":"Not making any change to your insurances or anything else.","start":255.7,"end":259.325,"sentiment":"neutral","sentiment_score":0.12494442388415336},{"text":"Literally just your super today.","start":259.325,"end":260.845,"sentiment":"neutral","sentiment_score":0.32301734685897826}],"sentiment":"neutral","sentiment_score":0.2173314476516885,"num_words":71,"start":236.915,"end":260.845},{"sentences":[{"text":"So pretty straightforward.","start":260.845,"end":261.825,"sentiment":"positive","sentiment_score":0.4463944335778554},{"text":"Now as you scroll through as well, you will see some a couple of pages about you, just some personal information, your assets and liabilities as well.","start":264.125,"end":273.78,"sentiment":"neutral","sentiment_score":0.052761628258007544},{"text":"And then you'll have your insurances again.","start":274.72,"end":277.12,"sentiment":"neutral","sentiment_score":0.06639464678508895},{"text":"I won't go through that with you because we kind of went through the during the annual review.","start":277.12,"end":280.32,"sentiment":"neutral","sentiment_score":0.008705825182712741},{"text":"It's just listed there for you so you have the information.","start":280.32,"end":282.9,"sentiment":"neutral","sentiment_score":0.07711139389059761}],"sentiment":"neutral","sentiment_score":0.06414302995879993,"num_words":66,"start":260.845,"end":282.9},{"sentences":[{"text":"And that then takes me to page 11, which shows your risk profile.","start":284.235,"end":288.81497,"sentiment":"neutral","sentiment_score":0.030072526433146916},{"text":"Can you see where I'm at?","start":288.955,"end":290.07498,"sentiment":"neutral","sentiment_score":0.0013097752816975117},{"text":"Or page 10.","start":290.07498,"end":291.03497,"sentiment":"neutral","sentiment_score":0.0007386934012174606},{"text":"Sorry.","start":291.03497,"end":291.53497,"sentiment":"neutral","sentiment_score":-0.014383194968104362},{"text":"Yeah.","start":292.715,"end":293.115,"sentiment":"neutral","sentiment_score":0.17961561679840088}],"sentiment":"neutral","sentiment_score":0.023593749889793496,"num_words":24,"start":284.235,"end":293.115},{"sentences":[{"text":"Perfect.","start":293.115,"end":293.615,"sentiment":"positive","sentiment_score":0.5101567506790161},{"text":"Now we did go through a couple of questions in regards to how you feel about risk and fluctuation during the annual review, and we're not making any changes.","start":294.31497,"end":301.49,"sentiment":"neutral","sentiment_score":0.05244978465910616},{"text":"Keeping you in a high growth portfolio is very suitable for you.","start":301.79,"end":305.38998,"sentiment":"positive","sentiment_score":0.3614168018102646},{"text":"You still have plenty of time until retirement, so not making any changes to your level of risk or anything like that.","start":305.38998,"end":312.21,"sentiment":"neutral","sentiment_score":0.04316070472652262},{"text":"Yep.","start":313.535,"end":313.935,"sentiment":"neutral","sentiment_score":0.16330501437187195}],"sentiment":"neutral","sentiment_score":0.1150929637826406,"num_words":65,"start":293.115,"end":313.935},{"sentences":[{"text":"Perfect.","start":313.935,"end":314.435,"sentiment":"positive","sentiment_score":0.3849639892578125},{"text":"Now that then takes me to page 12.","start":315.055,"end":317.875,"sentiment":"neutral","sentiment_score":0.09750733710825443},{"text":"So it says at the top, strategy recommendation with pain hub twenty four.","start":318.255,"end":323.535,"sentiment":"neutral","sentiment_score":0.11224057725988902},{"text":"Can you see that?","start":323.535,"end":324.515,"sentiment":"neutral","sentiment_score":0.09285406768321991},{"text":"Yep.","start":325.74002,"end":326.06,"sentiment":"neutral","sentiment_score":0.18719057738780975}],"sentiment":"neutral","sentiment_score":0.11787989031937388,"num_words":27,"start":313.935,"end":326.06},{"sentences":[{"text":"Perfect.","start":326.06,"end":326.54,"sentiment":"positive","sentiment_score":0.4684774875640869},{"text":"So I did do some research on other super options for you as well, and I did consider everything just to make sure hub twenty four is still going to be the best option for you because there's always new products and features that comes out.","start":326.54,"end":337.84,"sentiment":"neutral","sentiment_score":0.32729217215724615},{"text":"So it is good to kind of reassess every now and then just to make sure.","start":338.07498,"end":342.095,"sentiment":"neutral","sentiment_score":0.2684223596006632},{"text":"And all the time being, hub 24 still is very much competitive.","start":342.235,"end":346.415,"sentiment":"positive","sentiment_score":0.4202451209227244},{"text":"It is competitive when it comes to prices and features and availability with investment.","start":346.635,"end":352.01498,"sentiment":"positive","sentiment_score":0.42539776861667633}],"sentiment":"positive","sentiment_score":0.3462605097990357,"num_words":89,"start":326.06,"end":352.01498},{"sentences":[{"text":"I do use hub 24 for my personal super as well.","start":352.86002,"end":356.06,"sentiment":"positive","sentiment_score":0.4169170287522403},{"text":"So for the time being, I have recommended staying hub twenty four is doing really good for you and literally just changing a couple of investments.","start":356.06,"end":364.08002,"sentiment":"positive","sentiment_score":0.5231010403770667},{"text":"Now what that actually looks like from a projection point of view, if you can scroll down because it's sometimes easier to look at this first to page 17, it should say the comparison table.","start":366.235,"end":378.635,"sentiment":"neutral","sentiment_score":0.10344808005860874},{"text":"Can you see that?","start":378.635,"end":379.695,"sentiment":"neutral","sentiment_score":0.09516811929643154},{"text":"Yep.","start":381.34998,"end":381.75,"sentiment":"neutral","sentiment_score":0.13397780060768127}],"sentiment":"neutral","sentiment_score":0.28989672007692324,"num_words":77,"start":352.86002,"end":381.75},{"sentences":[{"text":"Perfect.","start":381.75,"end":382.25,"sentiment":"neutral","sentiment_score":0.08012941479682922},{"text":"Now this is basically so a couple of the pages that you did scroll through, it just basically puts it all into Word, but I often find that looking at it here is sometimes a bit easier.","start":382.47,"end":391.77,"sentiment":"neutral","sentiment_score":0.22394984759188988},{"text":"So you can see your current position.","start":392.405,"end":394.345,"sentiment":"neutral","sentiment_score":0.32907826559884207},{"text":"You can see your total cost currently, and then you can also see the three year rolling average on your current portfolio.","start":394.565,"end":402.185,"sentiment":"neutral","sentiment_score":0.2465265840291977},{"text":"Now on the other side, you can see recommended.","start":403.525,"end":405.785,"sentiment":"neutral","sentiment_score":0.19792395995722878}],"sentiment":"neutral","sentiment_score":0.23519371214665866,"num_words":76,"start":381.75,"end":405.785},{"sentences":[{"text":"So like I said, I have recommended staying in hub twenty four literally just changing investments.","start":407.22,"end":411.40002,"sentiment":"positive","sentiment_score":0.4007057063281536},{"text":"So not changing insurances or contributions or anything like that, just your investment.","start":411.46002,"end":416.68002,"sentiment":"neutral","sentiment_score":0.28673347257650816},{"text":"And you can see by just taking the investment, the total cost is actually saving you about $474 in investment fees a lot, which I thought was pretty good.","start":416.90002,"end":430.435,"sentiment":"positive","sentiment_score":0.6705825709063431},{"text":"Yeah.","start":430.435,"end":430.935,"sentiment":"neutral","sentiment_score":0.29664576053619385},{"text":"Now I do also want to let you know we did obviously consider capital gains tax, wanting to minimize that as much as possible with the investment changes.","start":431.555,"end":440.41,"sentiment":"neutral","sentiment_score":0.20297966684613908}],"sentiment":"positive","sentiment_score":0.4088022693477828,"num_words":87,"start":407.22,"end":440.41},{"sentences":[{"text":"And when we did do the research for at the time, there is no estimated capital gains tax, which is great.","start":440.94998,"end":447.93,"sentiment":"neutral","sentiment_score":0.276029381723631},{"text":"Now in terms of an investment return, you can see here that using the same three year rolling average, the new recommended portfolio has performed a little bit better at 17.32%.","start":450.215,"end":463.515,"sentiment":"positive","sentiment_score":0.43994976051392093},{"text":"Does Does that all make sense so far?","start":463.655,"end":465.31998,"sentiment":"neutral","sentiment_score":0.215856509283185},{"text":"Perfect.","start":466.97998,"end":467.46,"sentiment":"positive","sentiment_score":0.4665316939353943},{"text":"Now if you scroll down one page for me, you can actually see I have this projected that forward for five and ten years to show you kind of, yeah, the compounding difference, which just shows you as well that just making a couple of changes, reducing fees a little bit, and improving those returns, it does make a pretty big difference when we're kind of compounding that forward for you.","start":467.46,"end":488.015,"sentiment":"neutral","sentiment_score":0.3308319933187794}],"sentiment":"positive","sentiment_score":0.34179935519668186,"num_words":132,"start":440.94998,"end":488.015},{"sentences":[{"text":"And you can also see I have included a bit more on the return, so I show you more so parents as well.","start":489.69,"end":495.61,"sentiment":"neutral","sentiment_score":0.20979558644087418},{"text":"So the twelve month period, which you can see is a pretty big difference.","start":495.61,"end":498.50998,"sentiment":"neutral","sentiment_score":0.2642917207309178},{"text":"Obviously, three years is also improved, and then five years in the recommended.","start":499.21,"end":504.725,"sentiment":"neutral","sentiment_score":0.24046402825759008},{"text":"Now some of the investments in your current one, haven't been around for five years, so I couldn't give you the five year for that.","start":504.86502,"end":511.42502,"sentiment":"neutral","sentiment_score":-0.19322458952665328},{"text":"So that's why we've used the three years as a comparison, But I just wanted to show you a little bit more as well on the recommended return set.","start":511.42502,"end":518.82,"sentiment":"neutral","sentiment_score":0.25857706265202884}],"sentiment":"neutral","sentiment_score":0.13768783677369356,"num_words":104,"start":489.69,"end":518.82},{"sentences":[{"text":"All makes sense as far as well?","start":520.16,"end":521.44,"sentiment":"positive","sentiment_score":0.4625616031033652},{"text":"Pretty straightforward?","start":521.44,"end":522.26,"sentiment":"positive","sentiment_score":0.5036303102970123},{"text":"Yeah.","start":522.96,"end":523.44,"sentiment":"positive","sentiment_score":0.418030321598053},{"text":"Perfect.","start":523.44,"end":523.94,"sentiment":"positive","sentiment_score":0.569859504699707},{"text":"Now if you can scroll up for me to page 16, you should see a, like, a asset allocation table and a pie chart.","start":524.48,"end":534.41504,"sentiment":"neutral","sentiment_score":0.17342378695805868}],"sentiment":"neutral","sentiment_score":0.26843578730310713,"num_words":35,"start":520.16,"end":534.41504},{"sentences":[{"text":"Yep.","start":535.755,"end":536.155,"sentiment":"neutral","sentiment_score":0.2112938761711121},{"text":"Perfect.","start":536.155,"end":536.655,"sentiment":"positive","sentiment_score":0.46001213788986206},{"text":"Now this just shows you your risk profile.","start":536.955,"end":539.275,"sentiment":"neutral","sentiment_score":0.18566299974918365},{"text":"So you can see in the second column, risk profile, aiming for that about nine to 10 allocation, existing, and then also the proposed.","start":539.275,"end":548.63,"sentiment":"neutral","sentiment_score":0.1890372938166062},{"text":"So you can see that both the existing and proposed are very much aligned with your risk profile.","start":548.85,"end":554.07,"sentiment":"neutral","sentiment_score":0.31265683141019607}],"sentiment":"neutral","sentiment_score":0.23694861594301003,"num_words":52,"start":535.755,"end":554.07},{"sentences":[{"text":"You do have a little bit more growth in the proposed.","start":554.53,"end":557.27,"sentiment":"neutral","sentiment_score":0.13840638372031125},{"text":"Still have some defensive, though, to limit those fluctuations.","start":557.97504,"end":560.875,"sentiment":"neutral","sentiment_score":0.03882258550988303},{"text":"Makes sense?","start":563.255,"end":563.995,"sentiment":"neutral","sentiment_score":0.09535685926675797},{"text":"Yep.","start":565.09503,"end":565.495,"sentiment":"neutral","sentiment_score":0.2370990812778473},{"text":"Beautiful.","start":565.495,"end":565.995,"sentiment":"positive","sentiment_score":0.5541666150093079}],"sentiment":"neutral","sentiment_score":0.1189105377222101,"num_words":24,"start":554.53,"end":565.995},{"sentences":[{"text":"And what that actually looks like in terms of the investment changes for you is if you can scroll up to page 15.","start":566.455,"end":572.715,"sentiment":"neutral","sentiment_score":0.1280123257766599},{"text":"Yep.","start":576.17004,"end":576.57,"sentiment":"neutral","sentiment_score":0.060400690883398056},{"text":"Now this might look a little bit messy, but what it basically shows you, it shows you all the investments.","start":576.57,"end":581.23004,"sentiment":"neutral","sentiment_score":0.05998217007145286},{"text":"It also shows you your current weight in them.","start":581.61005,"end":584.43,"sentiment":"neutral","sentiment_score":0.10855070832702848},{"text":"You can see that you have some in a couple, and then, like, the bottom one where it's zero, you don't have anything at the moment.","start":584.73004,"end":590.825,"sentiment":"neutral","sentiment_score":0.05164753495214077}],"sentiment":"neutral","sentiment_score":0.08258379580853861,"num_words":79,"start":566.455,"end":590.825},{"sentences":[{"text":"What that looks like in terms of the balance and then the buy and sell column.","start":591.445,"end":595.765,"sentiment":"neutral","sentiment_score":0.06683480204083025},{"text":"So this is the one where everything that is in red is what we are selling.","start":595.765,"end":600.745,"sentiment":"neutral","sentiment_score":0.08647089404985309},{"text":"What is in black is either what we are keeping in your portfolio or then adding to your portfolio.","start":601.64,"end":608.38,"sentiment":"neutral","sentiment_score":0.055318185765492286},{"text":"Then you have the target weight, so what we are aiming for and what that looks like in terms of the dollar value.","start":610.44,"end":616.54004,"sentiment":"neutral","sentiment_score":0.1415008134816004},{"text":"So, essentially, to try to summarize that for you, we are making a couple of changes.","start":616.715,"end":622.015,"sentiment":"neutral","sentiment_score":0.1415960220620036}],"sentiment":"neutral","sentiment_score":0.1002665747784906,"num_words":90,"start":591.445,"end":622.015},{"sentences":[{"text":"The investments of loss, everything stays the same.","start":622.155,"end":625.195,"sentiment":"neutral","sentiment_score":0.11161557398736477},{"text":"We are still aiming for that core satellite approach to investment where we do see majority of your funds invested in what we call your core investment.","start":625.195,"end":634.19995,"sentiment":"neutral","sentiment_score":0.1913572650540758},{"text":"So one of that that's, like, your biggest shareholding.","start":635.06,"end":637.63995,"sentiment":"neutral","sentiment_score":0.17119137114948696},{"text":"So you can see, for example, the 35% in the iShares S and P 500.","start":637.86,"end":643.31995,"sentiment":"neutral","sentiment_score":0.24241574505964916},{"text":"We are still keeping that in your portfolio.","start":644.055,"end":646.055,"sentiment":"positive","sentiment_score":0.5067965947091579}],"sentiment":"neutral","sentiment_score":0.22822241824287087,"num_words":67,"start":622.155,"end":646.055},{"sentences":[{"text":"It's doing really well, just increasing that exposure a little bit for you.","start":646.055,"end":650.395,"sentiment":"positive","sentiment_score":0.6043146711129409},{"text":"You can then also see the 25% for beta shares Australia 200.","start":652.055,"end":657.59503,"sentiment":"neutral","sentiment_score":0.1762828752398491},{"text":"Now this is the one we've kind of changed for that Benelon Australian equity that was underperforming a little bit.","start":658.19,"end":663.87,"sentiment":"neutral","sentiment_score":0.05050628073513508},{"text":"So we also want to make sure you have some exposure to the Australian market.","start":663.87,"end":667.31,"sentiment":"neutral","sentiment_score":0.06245285570621491},{"text":"We don't want everything just overseas.","start":667.31,"end":669.01,"sentiment":"neutral","sentiment_score":-0.04701691182951132}],"sentiment":"neutral","sentiment_score":0.17630760919189814,"num_words":66,"start":646.055,"end":669.01},{"sentences":[{"text":"So 25% in this one, and that one basically invests in the 200 largest companies listed on the ASX.","start":669.87,"end":677.54504,"sentiment":"neutral","sentiment_score":0.12230865265193738},{"text":"So here in Australia, you'll have all the companies like BHP and Woolworths.","start":677.54504,"end":682.205,"sentiment":"neutral","sentiment_score":0.1481944632071715},{"text":"So all the kind of big Commonwealth or, like, the big companies.","start":683.065,"end":686.04504,"sentiment":"neutral","sentiment_score":0.15303987078368664},{"text":"So still very diversified for you.","start":686.10504,"end":688.35,"sentiment":"positive","sentiment_score":0.34984907259543735},{"text":"The other investments we have switched out is what we call your satellite investments.","start":689.79,"end":693.88995,"sentiment":"neutral","sentiment_score":0.14173464796372823}],"sentiment":"neutral","sentiment_score":0.15891016216482967,"num_words":64,"start":669.87,"end":693.88995},{"sentences":[{"text":"Now these can be a little bit more volatile or fluctuate a little bit more, and that's why they only represent a smaller portion of your portfolio.","start":694.11,"end":703.425,"sentiment":"neutral","sentiment_score":0.08066218304965231},{"text":"The these are the ones that can give you the most amount of growth as well.","start":703.645,"end":707.185,"sentiment":"positive","sentiment_score":0.39558751322329044},{"text":"So you can see we are still keeping gold in your portfolio as a defensive.","start":707.885,"end":712.385,"sentiment":"positive","sentiment_score":0.4323290288448334},{"text":"It's doing really well, so you wanna keep that in your portfolio.","start":712.525,"end":716.145,"sentiment":"positive","sentiment_score":0.5200111791491508},{"text":"We also have 5% in a fixed interest.","start":716.97,"end":719.85,"sentiment":"neutral","sentiment_score":0.21494900435209274}],"sentiment":"neutral","sentiment_score":0.29425565091272193,"num_words":78,"start":694.11,"end":719.85},{"sentences":[{"text":"Again, wanna make sure we have some defensive components to your portfolio.","start":719.85,"end":724.02997,"sentiment":"neutral","sentiment_score":0.22248737017313638},{"text":"But, otherwise, in terms of the satellite investments, we have 9% invested in Europe.","start":724.88995,"end":730.49,"sentiment":"neutral","sentiment_score":0.160099274877991},{"text":"You can see see it there for you.","start":730.49,"end":732.65497,"sentiment":"neutral","sentiment_score":0.2006218098104},{"text":"So, again, very diversified all across Europe.","start":732.65497,"end":735.95496,"sentiment":"neutral","sentiment_score":0.28640198707580566},{"text":"You have 5% in Japan.","start":736.01495,"end":738.115,"sentiment":"neutral","sentiment_score":0.175444196164608}],"sentiment":"neutral","sentiment_score":0.20430973172187805,"num_words":46,"start":719.85,"end":738.115},{"sentences":[{"text":"Then you have 8% in Vanguard or World.","start":739.375,"end":743.055,"sentiment":"neutral","sentiment_score":0.12587481085211039},{"text":"You may have heard of Vanguard before.","start":743.055,"end":744.89496,"sentiment":"neutral","sentiment_score":0.0490766992526395},{"text":"They're they're quite big.","start":744.89496,"end":746.19495,"sentiment":"neutral","sentiment_score":0.1332911252975464},{"text":"Yeah.","start":746.81,"end":747.21,"sentiment":"neutral","sentiment_score":0.18892425298690796},{"text":"Perfect.","start":747.21,"end":747.71,"sentiment":"neutral","sentiment_score":0.021878885105252262}],"sentiment":"neutral","sentiment_score":0.09973823908893835,"num_words":21,"start":739.375,"end":747.71},{"sentences":[{"text":"But this one here, it invests all around the world, but it does exclude The US because you already have exposures to The US market in that iShares S and P 500, and we don't want too much in one area either.","start":748.17,"end":762.225,"sentiment":"neutral","sentiment_score":-0.06027929977114711},{"text":"Does that make sense?","start":762.225,"end":763.80493,"sentiment":"neutral","sentiment_score":0.04591731633991003},{"text":"Yep.","start":763.90497,"end":764.305,"sentiment":"neutral","sentiment_score":0.24655060470104215},{"text":"Perfect.","start":764.305,"end":764.805,"sentiment":"positive","sentiment_score":0.6157004833221436},{"text":"And that is essentially the changes on the investments.","start":765.345,"end":768.32495,"sentiment":"neutral","sentiment_score":0.30108965933322906}],"sentiment":"neutral","sentiment_score":0.02147362626304752,"num_words":57,"start":748.17,"end":768.32495},{"sentences":[{"text":"So if you would like to go ahead and, you know, read a bit more on the investments as well, in that appendix I mentioned earlier sorry.","start":769.02496,"end":776.57,"sentiment":"neutral","sentiment_score":0.19863133808528935},{"text":"In the attachment to the email, I have included investment link to these investments.","start":776.57,"end":781.79,"sentiment":"neutral","sentiment_score":0.17715423021997725},{"text":"So if it is that you do wanna go back and have a bit of a read over them, that is all in there for you.","start":782.01,"end":787.065,"sentiment":"neutral","sentiment_score":0.30444113050515836},{"text":"Now the the last thing I do wanna just touch on is the fee.","start":788.985,"end":793.565,"sentiment":"neutral","sentiment_score":0.03845811315945217},{"text":"So if you scroll down to page 21 for me, Yep.","start":793.945,"end":804.60004,"sentiment":"neutral","sentiment_score":0.050193350931460205}],"sentiment":"neutral","sentiment_score":0.18314364335864133,"num_words":92,"start":769.02496,"end":804.60004},{"sentences":[{"text":"Perfect.","start":804.60004,"end":805.10004,"sentiment":"positive","sentiment_score":0.4948493540287018},{"text":"So, basically, it just shows you the fee structure again.","start":805.72003,"end":808.52,"sentiment":"neutral","sentiment_score":0.2147755354642868},{"text":"Now like I mentioned during the annual review, there is no changes whatsoever in regards to the fee structure.","start":808.52,"end":814.06,"sentiment":"neutral","sentiment_score":0.09421842309989427},{"text":"It stays reduced at that 1.1 from superannuation.","start":814.64496,"end":817.945,"sentiment":"neutral","sentiment_score":0.16639430448412895},{"text":"No changes in regards to that.","start":818.725,"end":821.14496,"sentiment":"neutral","sentiment_score":0.0256973293920358}],"sentiment":"neutral","sentiment_score":0.1345021172680638,"num_words":44,"start":804.60004,"end":821.14496},{"sentences":[{"text":"And I have also just included your premium.","start":821.445,"end":825.625,"sentiment":"neutral","sentiment_score":0.24768675491213799},{"text":"Now just for your reference as well, every time, with insurances, we do get commissions, and that is 22% ongoing.","start":825.765,"end":833.92004,"sentiment":"neutral","sentiment_score":0.18909574523568154},{"text":"Now that is tile paying us, though.","start":834.7,"end":836.7,"sentiment":"neutral","sentiment_score":0.003050196383680616},{"text":"It is not you paying us, and it is the same for every single insurer provider, for every single adviser.","start":836.7,"end":842.16003,"sentiment":"neutral","sentiment_score":0.004555167257785797},{"text":"So it doesn't sway us in, like, any way to recommend one provider over the other.","start":842.615,"end":847.175,"sentiment":"neutral","sentiment_score":-0.04402003437280655}],"sentiment":"neutral","sentiment_score":0.07283863540686353,"num_words":71,"start":821.445,"end":847.175},{"sentences":[{"text":"But for compliances, we have to disclose any commissions we receive so that you are fully aware.","start":847.175,"end":851.89496,"sentiment":"neutral","sentiment_score":0.05500222632990164},{"text":"Does that all make sense?","start":851.89496,"end":853.19495,"sentiment":"neutral","sentiment_score":0.09238746166229247},{"text":"Yep.","start":853.815,"end":854.21497,"sentiment":"neutral","sentiment_score":0.10083453357219696},{"text":"Perfect.","start":854.21497,"end":854.71497,"sentiment":"positive","sentiment_score":0.45927894115448},{"text":"And that was essentially everything today, Emmy.","start":855.34,"end":857.82,"sentiment":"neutral","sentiment_score":0.3197006285190582}],"sentiment":"neutral","sentiment_score":0.13532235581547983,"num_words":31,"start":847.175,"end":857.82},{"sentences":[{"text":"So like I said, pretty straightforward, keeping you in Hub 24, just changing some of those investments around, reducing those fees a little bit, and improving the returns.","start":857.82,"end":868.08,"sentiment":"neutral","sentiment_score":0.26755931840411257},{"text":"No estimate of capital gains, which is good.","start":868.38,"end":870.915,"sentiment":"positive","sentiment_score":0.5202261544764042},{"text":"Do you have any questions, or what are your thoughts on this?","start":871.795,"end":874.77496,"sentiment":"neutral","sentiment_score":0.1709063040713469},{"text":"Yes.","start":882.035,"end":882.535,"sentiment":"neutral","sentiment_score":0.01199602708220482},{"text":"Of course.","start":882.595,"end":883.33496,"sentiment":"neutral","sentiment_score":0.022312652319669724}],"sentiment":"neutral","sentiment_score":0.2698228849353744,"num_words":51,"start":857.82,"end":883.33496},{"sentences":[{"text":"Yeah.","start":884.95,"end":885.35004,"sentiment":"neutral","sentiment_score":0.019452955573797222},{"text":"Nope.","start":885.35004,"end":885.85004,"sentiment":"neutral","sentiment_score":-0.03704853355884552},{"text":"There should be one there.","start":897.125,"end":898.745,"sentiment":"neutral","sentiment_score":-0.04375537782907486},{"text":"But if you can't, I can just email it through you if you want.","start":899.125,"end":902.725,"sentiment":"neutral","sentiment_score":-0.00506343792325684},{"text":"I can just email you a PDF version.","start":902.725,"end":904.485,"sentiment":"neutral","sentiment_score":0.03801965632010251}],"sentiment":"neutral","sentiment_score":-0.0001070119825930431,"num_words":29,"start":884.95,"end":904.485},{"sentences":[{"text":"Yep.","start":904.485,"end":904.725,"sentiment":"neutral","sentiment_score":0.1296912282705307},{"text":"Perfect.","start":904.725,"end":905.125,"sentiment":"positive","sentiment_score":0.3420405387878418},{"text":"I'll attach the appendix as well just if if you can't see it.","start":905.125,"end":910.82495,"sentiment":"neutral","sentiment_score":0.07242351514287293},{"text":"Now then, obviously, take some time.","start":911.83,"end":913.43,"sentiment":"neutral","sentiment_score":0.06929926636318366},{"text":"Have a bit of a read over it.","start":913.43,"end":915.03,"sentiment":"neutral","sentiment_score":0.11230631452053785}],"sentiment":"neutral","sentiment_score":0.09405115787100432,"num_words":29,"start":904.485,"end":915.03},{"sentences":[{"text":"If you have any questions at all, just give me a call.","start":915.03,"end":918.33,"sentiment":"neutral","sentiment_score":0.10314171140392621},{"text":"If you do read through it and it all makes sense and you are happy with the recommendation to move forward, you would then be where you are currently.","start":918.79004,"end":926.57,"sentiment":"positive","sentiment_score":0.5185541335878701},{"text":"It will then ask you to add exactly once you've signed it and validated, it will send it back to me.","start":927.08496,"end":933.245,"sentiment":"neutral","sentiment_score":0.24861603478590646},{"text":"I'll get notified that you want to go ahead, and we can put all that in force for you.","start":933.245,"end":937.745,"sentiment":"neutral","sentiment_score":0.3244938442581578},{"text":"But you do have a couple of more days to obviously have a read over everything.","start":938.125,"end":941.5,"sentiment":"neutral","sentiment_score":0.17622805666178465}],"sentiment":"neutral","sentiment_score":0.3142447328751849,"num_words":97,"start":915.03,"end":941.5},{"sentences":[{"text":"Make sure you are happy before signing anything.","start":941.5,"end":944.0,"sentiment":"neutral","sentiment_score":0.30208971351385117},{"text":"Just note that it does expire on Sunday.","start":944.54004,"end":949.04004,"sentiment":"neutral","sentiment_score":0.06569001683965325},{"text":"So you do have this week.","start":949.18005,"end":950.54004,"sentiment":"neutral","sentiment_score":0.11198914920290311},{"text":"Just be mindful.","start":950.54004,"end":951.52,"sentiment":"neutral","sentiment_score":0.07077094539999962},{"text":"Okay.","start":951.98004,"end":952.46,"sentiment":"neutral","sentiment_score":0.20078659057617188}],"sentiment":"neutral","sentiment_score":0.15489508326237017,"num_words":26,"start":941.5,"end":952.46},{"sentences":[{"text":"Perfect.","start":952.46,"end":952.96,"sentiment":"positive","sentiment_score":0.3566664457321167},{"text":"I will send you that email in the next couple of minutes so that you have it handy.","start":953.375,"end":958.035,"sentiment":"positive","sentiment_score":0.33901774220996433},{"text":"But do you have any other questions before I let you go, by the way?","start":958.33496,"end":961.71497,"sentiment":"neutral","sentiment_score":0.05869599146147569},{"text":"No.","start":962.175,"end":962.495,"sentiment":"neutral","sentiment_score":-0.035642825067043304},{"text":"Okay.","start":962.495,"end":962.815,"sentiment":"neutral","sentiment_score":0.05501843988895416}],"sentiment":"neutral","sentiment_score":0.2044111470070978,"num_words":36,"start":952.46,"end":962.815},{"sentences":[{"text":"Perfect.","start":962.815,"end":963.295,"sentiment":"neutral","sentiment_score":0.08575951308012009},{"text":"Well, thank you so much for your time today, Emmy.","start":963.295,"end":965.21497,"sentiment":"positive","sentiment_score":0.8124994277954102},{"text":"I will send that email to you, and let me know if you have any questions.","start":965.21497,"end":968.435,"sentiment":"neutral","sentiment_score":0.3311280542984605},{"text":"No worries.","start":970.7369,"end":971.2169,"sentiment":"neutral","sentiment_score":0.2879481017589569},{"text":"We'll speak soon.","start":971.2169,"end":972.2769,"sentiment":"neutral","sentiment_score":0.28802788257598877}],"sentiment":"positive","sentiment_score":0.4671494534704834,"num_words":32,"start":962.815,"end":972.2769},{"sentences":[{"text":"Bye.","start":972.7369,"end":973.2369,"sentiment":"neutral","sentiment_score":0.19961045682430267}],"sentiment":"neutral","sentiment_score":0.19961045682430267,"num_words":1,"start":972.7369,"end":973.2369}]}}]},{"alternatives":[{"transcript":"Hello. Miss King. Could you just help? Yes. Uh-huh. Yeah. Yeah. Full name, x I n r n z h a o. Date of birth, 08/10/1993. Address, 228 Beach Road, North Basewater. Yes. I I I do. Yep. Yeah. Okay. Yep. Signature request. Alright. Yep. Yeah. Let me see. Hopefully, it's loading now. Yeah. Okay. I opened the document now. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yes. Yep. Yep. Yes. Yep. Yep. Ten years. Yep. Yep. Yep. Yep. Yep. Yep. Yep. 15. Yep. Yep. Yeah. Yep. Yep. Yes. Yep. Yep. Yep. Yeah. Yeah. Okay. One second. Page 21. Yep. Yep. Yep. Yep. Makes sense. Yep. Yeah. Not not any immediate questions. I think I do need to have a read through a bit further. Yeah. Do you actually know where I can download a PDF copy of this document that I was about to sign? I couldn't see any options on the on my page, but I'm not sure if I'm looking at the wrong place. Yes, please. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I did just fine. Yep. Yep. Yep. It should be done by then. Yep. Yeah. Yep. Awesome. Alright. No. Not ready. Thank you too. Appreciate it. Alright. Will do. Thank you. Bye bye.","confidence":0.9819336,"words":[{"word":"hello","start":2.72,"end":2.96,"confidence":0.7438965,"punctuated_word":"Hello.","sentiment":"neutral","sentiment_score":0.07890689373016357},{"word":"miss","start":2.96,"end":3.28,"confidence":0.28466797,"punctuated_word":"Miss","sentiment":"neutral","sentiment_score":0.06932009011507034},{"word":"king","start":3.28,"end":3.78,"confidence":0.64575195,"punctuated_word":"King.","sentiment":"neutral","sentiment_score":0.11500538140535356},{"word":"could","start":8.96,"end":9.2,"confidence":0.36010742,"punctuated_word":"Could","sentiment":"neutral","sentiment_score":0.18681752681732175},{"word":"you","start":9.2,"end":9.28,"confidence":0.9277344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.191625252366066},{"word":"just","start":9.28,"end":9.44,"confidence":0.35424805,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18512317538261416},{"word":"help","start":9.44,"end":9.94,"confidence":0.98657227,"punctuated_word":"help?","sentiment":"neutral","sentiment_score":0.2592866122722626},{"word":"yes","start":10.719999,"end":11.219999,"confidence":0.9189453,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.4832215905189514},{"word":"uh-huh","start":24.055,"end":24.555,"confidence":0.892041,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":0.026466352865099907},{"word":"yeah","start":26.055,"end":26.555,"confidence":0.66638184,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05006664991378784},{"word":"yeah","start":37.05,"end":37.55,"confidence":0.9785156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11319012939929962},{"word":"full","start":50.445,"end":50.765,"confidence":0.93603516,"punctuated_word":"Full","sentiment":"neutral","sentiment_score":0.02028675191104412},{"word":"name","start":50.765,"end":51.085,"confidence":0.9387207,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.01617768406867981},{"word":"x","start":51.085,"end":51.325,"confidence":0.9951172,"punctuated_word":"x","sentiment":"neutral","sentiment_score":0.016186997294425964},{"word":"i","start":51.325,"end":51.485,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.016120340675115585},{"word":"n","start":51.485,"end":51.725,"confidence":1.0,"punctuated_word":"n","sentiment":"neutral","sentiment_score":0.02637464366853237},{"word":"r","start":51.725,"end":51.965,"confidence":0.9980469,"punctuated_word":"r","sentiment":"neutral","sentiment_score":0.03568528965115547},{"word":"n","start":51.965,"end":52.445,"confidence":0.61035156,"punctuated_word":"n","sentiment":"neutral","sentiment_score":0.03092694655060768},{"word":"z","start":52.445,"end":52.605,"confidence":0.59375,"punctuated_word":"z","sentiment":"neutral","sentiment_score":0.03579013794660568},{"word":"h","start":52.605,"end":52.845,"confidence":0.52246094,"punctuated_word":"h","sentiment":"neutral","sentiment_score":0.04098905622959137},{"word":"a","start":52.845,"end":53.005,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04367093741893768},{"word":"o","start":53.005,"end":53.245,"confidence":0.9711914,"punctuated_word":"o.","sentiment":"neutral","sentiment_score":0.03593002259731293},{"word":"date","start":53.245,"end":53.405,"confidence":1.0,"punctuated_word":"Date","sentiment":"neutral","sentiment_score":0.02785946987569332},{"word":"of","start":53.405,"end":53.565,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01900409907102585},{"word":"birth","start":53.565,"end":53.805,"confidence":0.96606445,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.02185232937335968},{"word":"08/10/1993","start":53.805,"end":55.325,"confidence":0.983846,"punctuated_word":"08/10/1993.","sentiment":"neutral","sentiment_score":0.027131853625178337},{"word":"address","start":55.325,"end":55.725,"confidence":0.967041,"punctuated_word":"Address,","sentiment":"neutral","sentiment_score":0.03013000451028347},{"word":"228","start":55.725,"end":56.605,"confidence":0.96484375,"punctuated_word":"228","sentiment":"neutral","sentiment_score":0.04402105137705803},{"word":"beach","start":56.605,"end":56.845,"confidence":0.29516602,"punctuated_word":"Beach","sentiment":"neutral","sentiment_score":0.046174705028533936},{"word":"road","start":56.845,"end":57.245,"confidence":0.30010986,"punctuated_word":"Road,","sentiment":"neutral","sentiment_score":0.04424258694052696},{"word":"north","start":57.245,"end":57.565,"confidence":0.98095703,"punctuated_word":"North","sentiment":"neutral","sentiment_score":0.06161954253911972},{"word":"basewater","start":57.565,"end":58.065,"confidence":0.74560547,"punctuated_word":"Basewater.","sentiment":"neutral","sentiment_score":0.07178833335638046},{"word":"yes","start":71.299995,"end":71.799995,"confidence":0.94970703,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03308806195855141},{"word":"i","start":77.955,"end":78.455,"confidence":0.6123047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.053796254098415375},{"word":"i","start":78.675,"end":78.995,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05752843618392944},{"word":"i","start":78.995,"end":79.235,"confidence":0.98291016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06045150011777878},{"word":"do","start":79.235,"end":79.475,"confidence":0.86376953,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.0793357640504837},{"word":"yep","start":79.475,"end":79.975,"confidence":0.9951172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10123785585165024},{"word":"yeah","start":92.51,"end":92.670006,"confidence":0.661499,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11756610870361328},{"word":"okay","start":92.670006,"end":93.170006,"confidence":0.9641113,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11342105269432068},{"word":"yep","start":94.350006,"end":94.83,"confidence":0.64611816,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08225376904010773},{"word":"signature","start":94.83,"end":95.33,"confidence":0.97998047,"punctuated_word":"Signature","sentiment":"neutral","sentiment_score":0.0678497701883316},{"word":"request","start":95.39,"end":95.89,"confidence":0.92163086,"punctuated_word":"request.","sentiment":"neutral","sentiment_score":0.07414250820875168},{"word":"alright","start":97.71001,"end":98.21001,"confidence":0.76708984,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.10601013898849489},{"word":"yep","start":101.23,"end":101.73,"confidence":0.9499512,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1609424650669098},{"word":"yeah","start":138.375,"end":138.875,"confidence":0.9116211,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06215561926364899},{"word":"let","start":139.01501,"end":139.255,"confidence":0.9316406,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.05561522766947746},{"word":"me","start":139.255,"end":139.49501,"confidence":0.99609375,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0454028882086277},{"word":"see","start":139.49501,"end":139.99501,"confidence":0.8515625,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.03358859941363335},{"word":"hopefully","start":141.41501,"end":141.735,"confidence":0.79541016,"punctuated_word":"Hopefully,","sentiment":"neutral","sentiment_score":0.15356358885765076},{"word":"it's","start":141.735,"end":141.975,"confidence":0.9902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1393151581287384},{"word":"loading","start":141.975,"end":142.375,"confidence":1.0,"punctuated_word":"loading","sentiment":"neutral","sentiment_score":0.18195609748363495},{"word":"now","start":142.375,"end":142.74,"confidence":0.89404297,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.19862642884254456},{"word":"yeah","start":155.70001,"end":156.02,"confidence":0.9802246,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09827429056167604},{"word":"okay","start":156.02,"end":156.34001,"confidence":0.9970703,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10220937430858612},{"word":"i","start":156.34001,"end":156.5,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10583043098449708},{"word":"opened","start":156.5,"end":156.82,"confidence":0.48706055,"punctuated_word":"opened","sentiment":"neutral","sentiment_score":0.15984591841697693},{"word":"the","start":156.82,"end":157.06,"confidence":0.89501953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13241250813007355},{"word":"document","start":157.06,"end":157.54001,"confidence":0.99609375,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.15398871898651123},{"word":"now","start":157.54001,"end":158.04001,"confidence":0.99365234,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.1258660852909088},{"word":"yep","start":211.32999,"end":211.82999,"confidence":0.9885254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0760716050863266},{"word":"yep","start":233.32,"end":233.82,"confidence":0.98217773,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.058031972497701645},{"word":"yep","start":274.21,"end":274.71,"confidence":0.9785156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08779118955135345},{"word":"yep","start":287.315,"end":287.815,"confidence":0.8845215,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01682122051715851},{"word":"yes","start":291.795,"end":292.17,"confidence":0.734375,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0584358274936676},{"word":"yep","start":304.715,"end":305.215,"confidence":0.97753906,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3696536719799042},{"word":"yep","start":319.27502,"end":319.77502,"confidence":0.8352051,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06345968693494797},{"word":"yes","start":324.91998,"end":325.41998,"confidence":0.99560547,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14178287982940674},{"word":"yep","start":361.88,"end":362.38,"confidence":0.93310547,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.414257287979126},{"word":"yep","start":365.845,"end":366.345,"confidence":0.921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13978645205497742},{"word":"yes","start":380.325,"end":380.7,"confidence":0.9663086,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1171734780073166},{"word":"yep","start":431.565,"end":432.065,"confidence":0.98168945,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3391690254211426},{"word":"yep","start":465.91,"end":466.41,"confidence":0.98657227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2452148199081421},{"word":"ten","start":473.75,"end":474.07,"confidence":0.53759766,"punctuated_word":"Ten","sentiment":"neutral","sentiment_score":0.15152579545974731},{"word":"years","start":474.07,"end":474.31003,"confidence":0.97924805,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.12555935978889465},{"word":"yep","start":474.31003,"end":474.81003,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2239249050617218},{"word":"yep","start":514.975,"end":515.475,"confidence":0.85839844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3042028546333313},{"word":"yep","start":519.49005,"end":519.99005,"confidence":0.82177734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.31396785378456116},{"word":"yep","start":522.13,"end":522.63,"confidence":0.98339844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2406468391418457},{"word":"yep","start":531.09,"end":531.585,"confidence":0.96972656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11962294578552246},{"word":"yep","start":535.025,"end":535.525,"confidence":0.8515625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13055410981178284},{"word":"yep","start":564.41504,"end":564.91504,"confidence":0.89404297,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12146537005901337},{"word":"15","start":578.51,"end":579.01,"confidence":0.99104816,"punctuated_word":"15.","sentiment":"neutral","sentiment_score":0.06806186586618423},{"word":"yep","start":579.07,"end":579.57,"confidence":0.9904785,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09236188977956772},{"word":"yep","start":610.14,"end":610.64,"confidence":0.7844238,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10541427135467528},{"word":"yeah","start":664.76,"end":665.26,"confidence":0.8913574,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06028483808040619},{"word":"yep","start":688.945,"end":689.43,"confidence":0.82421875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23903974890708923},{"word":"yep","start":725.07,"end":725.57,"confidence":0.9152832,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12809301912784576},{"word":"yes","start":745.895,"end":746.22,"confidence":0.986084,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.17444679141044617},{"word":"yep","start":746.93994,"end":747.43994,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2781866490840912},{"word":"yep","start":763.015,"end":763.515,"confidence":0.9555664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.030367320403456688},{"word":"yep","start":763.895,"end":764.395,"confidence":0.9316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10017198324203493},{"word":"yeah","start":787.2,"end":787.7,"confidence":0.87158203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13651172816753387},{"word":"yeah","start":787.76,"end":788.26,"confidence":0.9848633,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10686216503381728},{"word":"okay","start":788.4,"end":788.9,"confidence":0.99658203,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08154662698507309},{"word":"one","start":799.245,"end":799.40497,"confidence":0.41479492,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.018354013562202457},{"word":"second","start":799.40497,"end":799.805,"confidence":0.97924805,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":0.013431614264845848},{"word":"page","start":799.805,"end":800.20496,"confidence":0.99121094,"punctuated_word":"Page","sentiment":"neutral","sentiment_score":0.019747518002986908},{"word":"21","start":800.20496,"end":801.185,"confidence":0.9645996,"punctuated_word":"21.","sentiment":"neutral","sentiment_score":0.02157510071992874},{"word":"yep","start":803.245,"end":803.745,"confidence":0.77001953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1238366961479187},{"word":"yep","start":835.00995,"end":835.50995,"confidence":0.828125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.031692326068878174},{"word":"yep","start":846.90497,"end":847.40497,"confidence":0.8378906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06252419948577881},{"word":"yep","start":852.58496,"end":853.08496,"confidence":0.8395996,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07310691475868225},{"word":"makes","start":853.46497,"end":853.865,"confidence":0.87353516,"punctuated_word":"Makes","sentiment":"neutral","sentiment_score":0.13161469995975494},{"word":"sense","start":853.865,"end":854.185,"confidence":0.9995117,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.1265798807144165},{"word":"yep","start":854.185,"end":854.685,"confidence":0.98999023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18140845000743863},{"word":"yeah","start":865.05,"end":865.55,"confidence":0.8532715,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016601432114839554},{"word":"not","start":876.465,"end":876.965,"confidence":0.5239258,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.16500604152679443},{"word":"not","start":877.025,"end":877.34503,"confidence":0.9760742,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.18265515565872192},{"word":"any","start":877.34503,"end":877.745,"confidence":0.95703125,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.13971392810344696},{"word":"immediate","start":877.745,"end":878.065,"confidence":0.9951172,"punctuated_word":"immediate","sentiment":"neutral","sentiment_score":-0.11706051230430604},{"word":"questions","start":878.065,"end":878.465,"confidence":0.9875488,"punctuated_word":"questions.","sentiment":"neutral","sentiment_score":-0.24987244606018064},{"word":"i","start":878.465,"end":878.545,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.34219321608543396},{"word":"think","start":878.545,"end":878.705,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.31675782799720764},{"word":"i","start":878.705,"end":878.865,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.25766369700431824},{"word":"do","start":878.865,"end":879.105,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.18170486390590668},{"word":"need","start":879.105,"end":879.265,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.1869128793478012},{"word":"to","start":879.265,"end":879.34503,"confidence":0.96240234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17948049306869507},{"word":"have","start":879.34503,"end":879.66504,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.21300742030143735},{"word":"a","start":879.66504,"end":879.825,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2113432884216309},{"word":"read","start":879.825,"end":880.145,"confidence":0.69677734,"punctuated_word":"read","sentiment":"neutral","sentiment_score":-0.1918780654668808},{"word":"through","start":880.145,"end":880.645,"confidence":0.99316406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.17083542048931122},{"word":"a","start":880.78503,"end":880.865,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.25794321298599243},{"word":"bit","start":880.865,"end":881.105,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.24815857410430908},{"word":"further","start":881.105,"end":881.605,"confidence":0.9975586,"punctuated_word":"further.","sentiment":"neutral","sentiment_score":-0.16646265983581543},{"word":"yeah","start":883.905,"end":884.405,"confidence":0.94677734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.026005472987890244},{"word":"do","start":884.66003,"end":884.74,"confidence":0.9951172,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.018712658435106277},{"word":"you","start":884.74,"end":884.98004,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01787048578262329},{"word":"actually","start":884.98004,"end":885.46,"confidence":0.9941406,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.003650227561593056},{"word":"know","start":885.46,"end":885.78,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.01746167428791523},{"word":"where","start":885.78,"end":886.10004,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.016617417335510254},{"word":"i","start":886.10004,"end":886.26,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.016495095565915108},{"word":"can","start":886.26,"end":886.76,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.02102958038449287},{"word":"download","start":886.98004,"end":887.48004,"confidence":1.0,"punctuated_word":"download","sentiment":"neutral","sentiment_score":-0.02647734247148037},{"word":"a","start":887.62,"end":887.94,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0020245760679244995},{"word":"pdf","start":887.94,"end":888.44,"confidence":0.9248047,"punctuated_word":"PDF","sentiment":"neutral","sentiment_score":-0.014484196901321411},{"word":"copy","start":888.58,"end":888.82,"confidence":0.99902344,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":-0.008713262155652046},{"word":"of","start":888.82,"end":889.32,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0067771561443805695},{"word":"this","start":889.7,"end":890.2,"confidence":0.9819336,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.020822232589125633},{"word":"document","start":890.42004,"end":890.82,"confidence":0.9941406,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.023782813921570774},{"word":"that","start":890.82,"end":890.98004,"confidence":0.7026367,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.006248541176319122},{"word":"i","start":890.98004,"end":891.06,"confidence":0.6870117,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0036696307361125946},{"word":"was","start":891.06,"end":891.38,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.01459704153239727},{"word":"about","start":891.38,"end":891.7,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.010455353185534475},{"word":"to","start":891.7,"end":891.78,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.020155083388090137},{"word":"sign","start":891.78,"end":892.10004,"confidence":0.99365234,"punctuated_word":"sign?","sentiment":"neutral","sentiment_score":-0.020752981305122375},{"word":"i","start":892.10004,"end":892.18,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15724053978919983},{"word":"couldn't","start":892.18,"end":892.5,"confidence":1.0,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.08128722012042999},{"word":"see","start":892.5,"end":892.66003,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.07750579714775085},{"word":"any","start":892.66003,"end":892.98004,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.09252995252609252},{"word":"options","start":892.98004,"end":893.38,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":-0.09119264036417007},{"word":"on","start":893.38,"end":893.54004,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.14863985776901245},{"word":"the","start":893.54004,"end":893.7,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14800629019737244},{"word":"on","start":893.78,"end":893.94,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.10191143304109572},{"word":"my","start":893.94,"end":894.10004,"confidence":0.8310547,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.13581979274749756},{"word":"page","start":894.10004,"end":894.42004,"confidence":0.98339844,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":-0.1146782487630844},{"word":"but","start":894.42004,"end":894.66003,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.11846128106117249},{"word":"i'm","start":894.66003,"end":894.74,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1517813354730606},{"word":"not","start":894.74,"end":894.9,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.13101795315742493},{"word":"sure","start":894.9,"end":895.14,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.1372019350528717},{"word":"if","start":895.14,"end":895.22003,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.13875308632850647},{"word":"i'm","start":895.22003,"end":895.38,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.14796212315559387},{"word":"looking","start":895.38,"end":895.62,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.12762819230556488},{"word":"at","start":895.62,"end":895.78,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1678365170955658},{"word":"the","start":895.78,"end":895.86005,"confidence":0.7573242,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15515771508216858},{"word":"wrong","start":895.86005,"end":896.10004,"confidence":0.99902344,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":-0.1258888989686966},{"word":"place","start":896.10004,"end":896.595,"confidence":0.99853516,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":-0.1885443329811096},{"word":"yes","start":902.75494,"end":903.07495,"confidence":0.8977051,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.03904169797897339},{"word":"please","start":903.07495,"end":903.57495,"confidence":0.99902344,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.04631689190864563},{"word":"yeah","start":905.235,"end":905.735,"confidence":0.89160156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16397351026535034},{"word":"yeah","start":905.795,"end":906.295,"confidence":0.9609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09672781825065611},{"word":"yeah","start":909.15497,"end":909.57,"confidence":0.967041,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0319383442401886},{"word":"yeah","start":910.05,"end":910.55,"confidence":0.9863281,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.015061342157423496},{"word":"yeah","start":918.77,"end":919.27,"confidence":0.98217773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.318470299243927},{"word":"yeah","start":927.295,"end":927.615,"confidence":0.8586426,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2460568845272064},{"word":"i","start":927.615,"end":927.77496,"confidence":0.8852539,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2066245675086975},{"word":"did","start":927.77496,"end":928.015,"confidence":0.64160156,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.15886415541172028},{"word":"just","start":928.015,"end":928.335,"confidence":0.8100586,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19110918045043945},{"word":"fine","start":928.335,"end":928.835,"confidence":0.9812012,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.17989805340766907},{"word":"yep","start":930.735,"end":931.235,"confidence":0.8330078,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22107115387916565},{"word":"yep","start":938.335,"end":938.835,"confidence":0.7233887,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1639300286769867},{"word":"yep","start":949.96,"end":950.04,"confidence":0.9658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10763539373874664},{"word":"it","start":950.2,"end":950.28,"confidence":0.5107422,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.07600821554660797},{"word":"should","start":950.28,"end":950.52,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.09254247695207596},{"word":"be","start":950.52,"end":950.68,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04547511041164398},{"word":"done","start":950.68,"end":950.92,"confidence":0.9980469,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.08277291059494019},{"word":"by","start":950.92,"end":951.08,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.04588345065712929},{"word":"then","start":951.08,"end":951.4,"confidence":0.99658203,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.09348899126052856},{"word":"yep","start":951.4,"end":951.735,"confidence":0.98657227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1012413427233696},{"word":"yeah","start":953.175,"end":953.675,"confidence":0.94799805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.25884705781936646},{"word":"yep","start":957.33496,"end":957.83496,"confidence":0.8251953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2907392382621765},{"word":"awesome","start":958.77496,"end":959.255,"confidence":1.0,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.4474577605724334},{"word":"alright","start":959.255,"end":959.755,"confidence":0.9995117,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.08247443288564682},{"word":"no","start":960.77496,"end":961.095,"confidence":0.77246094,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0674823448061943},{"word":"not","start":961.095,"end":961.33496,"confidence":0.9838867,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.14886492490768433},{"word":"ready","start":961.33496,"end":961.83496,"confidence":0.9519043,"punctuated_word":"ready.","sentiment":"neutral","sentiment_score":-0.04799481108784675},{"word":"thank","start":965.63696,"end":965.87695,"confidence":0.74365234,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.46117180585861206},{"word":"you","start":965.87695,"end":966.0369,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5845999717712402},{"word":"too","start":966.0369,"end":966.5369,"confidence":0.9313965,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.24022190272808075},{"word":"appreciate","start":967.55695,"end":968.0369,"confidence":0.95166016,"punctuated_word":"Appreciate","sentiment":"positive","sentiment_score":0.3884016275405884},{"word":"it","start":968.0369,"end":968.5369,"confidence":0.99902344,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.12726843357086182},{"word":"alright","start":968.91693,"end":969.31696,"confidence":0.986084,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.21524140238761905},{"word":"will","start":969.31696,"end":969.55695,"confidence":0.99121094,"punctuated_word":"Will","sentiment":"positive","sentiment_score":0.33779966831207275},{"word":"do","start":969.55695,"end":969.79694,"confidence":0.99902344,"punctuated_word":"do.","sentiment":"positive","sentiment_score":0.39295095205307007},{"word":"thank","start":969.79694,"end":970.0369,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6921972036361694},{"word":"you","start":970.0369,"end":970.5369,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6249520182609558},{"word":"bye","start":973.07697,"end":973.31696,"confidence":0.6958008,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.13292838633060455},{"word":"bye","start":973.31696,"end":973.81696,"confidence":0.9890137,"punctuated_word":"bye.","sentiment":"neutral","sentiment_score":-0.11826269328594208}],"paragraphs":{"transcript":"\nHello. Miss King. Could you just help? Yes. Uh-huh.\n\nYeah. Yeah. Full name, x I n r n z h a o. Date of birth, 08/10/1993. Address, 228 Beach Road, North Basewater.\n\nYes. I I I do. Yep. Yeah. Okay.\n\nYep. Signature request. Alright. Yep. Yeah.\n\nLet me see. Hopefully, it's loading now. Yeah. Okay. I opened the document now.\n\nYep. Yep. Yep. Yep. Yes.\n\nYep. Yep. Yes. Yep. Yep.\n\nYes. Yep. Yep. Ten years. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. 15. Yep. Yep. Yeah.\n\nYep. Yep. Yes. Yep. Yep.\n\nYep. Yeah. Yeah. Okay. One second.\n\nPage 21. Yep. Yep. Yep. Yep.\n\nMakes sense. Yep. Yeah. Not not any immediate questions. I think I do need to have a read through a bit further.\n\nYeah. Do you actually know where I can download a PDF copy of this document that I was about to sign? I couldn't see any options on the on my page, but I'm not sure if I'm looking at the wrong place. Yes, please. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nI did just fine. Yep. Yep. Yep. It should be done by then.\n\nYep. Yeah. Yep. Awesome. Alright.\n\nNo. Not ready. Thank you too. Appreciate it. Alright.\n\nWill do. Thank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.72,"end":2.96,"sentiment":"neutral","sentiment_score":0.07890689373016357},{"text":"Miss King.","start":2.96,"end":3.78,"sentiment":"neutral","sentiment_score":0.09216273576021194},{"text":"Could you just help?","start":8.96,"end":9.94,"sentiment":"neutral","sentiment_score":0.20571314170956612},{"text":"Yes.","start":10.719999,"end":11.219999,"sentiment":"positive","sentiment_score":0.4832215905189514},{"text":"Uh-huh.","start":24.055,"end":24.555,"sentiment":"neutral","sentiment_score":0.026466352865099907}],"sentiment":"neutral","sentiment_score":0.17730809727476704,"num_words":9,"start":2.72,"end":24.555},{"sentences":[{"text":"Yeah.","start":26.055,"end":26.555,"sentiment":"neutral","sentiment_score":0.05006664991378784},{"text":"Yeah.","start":37.05,"end":37.55,"sentiment":"neutral","sentiment_score":0.11319012939929962},{"text":"Full name, x I n r n z h a o.","start":50.445,"end":53.245,"sentiment":"neutral","sentiment_score":0.028921709819273514},{"text":"Date of birth, 08/10/1993.","start":53.245,"end":55.325,"sentiment":"neutral","sentiment_score":0.023961937986314297},{"text":"Address, 228 Beach Road, North Basewater.","start":55.325,"end":58.065,"sentiment":"neutral","sentiment_score":0.04966270395865043}],"sentiment":"neutral","sentiment_score":0.038053024479228516,"num_words":23,"start":26.055,"end":58.065},{"sentences":[{"text":"Yes.","start":71.299995,"end":71.799995,"sentiment":"neutral","sentiment_score":0.03308806195855141},{"text":"I I I do.","start":77.955,"end":79.475,"sentiment":"neutral","sentiment_score":0.06277798861265182},{"text":"Yep.","start":79.475,"end":79.975,"sentiment":"neutral","sentiment_score":0.10123785585165024},{"text":"Yeah.","start":92.51,"end":92.670006,"sentiment":"neutral","sentiment_score":0.11756610870361328},{"text":"Okay.","start":92.670006,"end":93.170006,"sentiment":"neutral","sentiment_score":0.11342105269432068}],"sentiment":"neutral","sentiment_score":0.07705312920734286,"num_words":8,"start":71.299995,"end":93.170006},{"sentences":[{"text":"Yep.","start":94.350006,"end":94.83,"sentiment":"neutral","sentiment_score":0.08225376904010773},{"text":"Signature request.","start":94.83,"end":95.89,"sentiment":"neutral","sentiment_score":0.07099613919854164},{"text":"Alright.","start":97.71001,"end":98.21001,"sentiment":"neutral","sentiment_score":0.10601013898849489},{"text":"Yep.","start":101.23,"end":101.73,"sentiment":"neutral","sentiment_score":0.1609424650669098},{"text":"Yeah.","start":138.375,"end":138.875,"sentiment":"neutral","sentiment_score":0.06215561926364899}],"sentiment":"neutral","sentiment_score":0.09222571179270744,"num_words":6,"start":94.350006,"end":138.875},{"sentences":[{"text":"Let me see.","start":139.01501,"end":139.99501,"sentiment":"neutral","sentiment_score":0.04486890509724617},{"text":"Hopefully, it's loading now.","start":141.41501,"end":142.74,"sentiment":"neutral","sentiment_score":0.16836531832814217},{"text":"Yeah.","start":155.70001,"end":156.02,"sentiment":"neutral","sentiment_score":0.09827429056167604},{"text":"Okay.","start":156.02,"end":156.34001,"sentiment":"neutral","sentiment_score":0.10220937430858612},{"text":"I opened the document now.","start":156.34001,"end":158.04001,"sentiment":"neutral","sentiment_score":0.13558873236179353}],"sentiment":"neutral","sentiment_score":0.1204639510916812,"num_words":14,"start":139.01501,"end":158.04001},{"sentences":[{"text":"Yep.","start":211.32999,"end":211.82999,"sentiment":"neutral","sentiment_score":0.0760716050863266},{"text":"Yep.","start":233.32,"end":233.82,"sentiment":"neutral","sentiment_score":0.058031972497701645},{"text":"Yep.","start":274.21,"end":274.71,"sentiment":"neutral","sentiment_score":0.08779118955135345},{"text":"Yep.","start":287.315,"end":287.815,"sentiment":"neutral","sentiment_score":0.01682122051715851},{"text":"Yes.","start":291.795,"end":292.17,"sentiment":"neutral","sentiment_score":0.0584358274936676}],"sentiment":"neutral","sentiment_score":0.05943036302924156,"num_words":5,"start":211.32999,"end":292.17},{"sentences":[{"text":"Yep.","start":304.715,"end":305.215,"sentiment":"positive","sentiment_score":0.3696536719799042},{"text":"Yep.","start":319.27502,"end":319.77502,"sentiment":"neutral","sentiment_score":0.06345968693494797},{"text":"Yes.","start":324.91998,"end":325.41998,"sentiment":"neutral","sentiment_score":0.14178287982940674},{"text":"Yep.","start":361.88,"end":362.38,"sentiment":"positive","sentiment_score":0.414257287979126},{"text":"Yep.","start":365.845,"end":366.345,"sentiment":"neutral","sentiment_score":0.13978645205497742}],"sentiment":"neutral","sentiment_score":0.22578799575567246,"num_words":5,"start":304.715,"end":366.345},{"sentences":[{"text":"Yes.","start":380.325,"end":380.7,"sentiment":"neutral","sentiment_score":0.1171734780073166},{"text":"Yep.","start":431.565,"end":432.065,"sentiment":"positive","sentiment_score":0.3391690254211426},{"text":"Yep.","start":465.91,"end":466.41,"sentiment":"neutral","sentiment_score":0.2452148199081421},{"text":"Ten years.","start":473.75,"end":474.31003,"sentiment":"neutral","sentiment_score":0.13854257762432098},{"text":"Yep.","start":474.31003,"end":474.81003,"sentiment":"neutral","sentiment_score":0.2239249050617218}],"sentiment":"neutral","sentiment_score":0.20042789727449417,"num_words":6,"start":380.325,"end":474.81003},{"sentences":[{"text":"Yep.","start":514.975,"end":515.475,"sentiment":"neutral","sentiment_score":0.3042028546333313},{"text":"Yep.","start":519.49005,"end":519.99005,"sentiment":"neutral","sentiment_score":0.31396785378456116},{"text":"Yep.","start":522.13,"end":522.63,"sentiment":"neutral","sentiment_score":0.2406468391418457},{"text":"Yep.","start":531.09,"end":531.585,"sentiment":"neutral","sentiment_score":0.11962294578552246},{"text":"Yep.","start":535.025,"end":535.525,"sentiment":"neutral","sentiment_score":0.13055410981178284}],"sentiment":"neutral","sentiment_score":0.22179892063140869,"num_words":5,"start":514.975,"end":535.525},{"sentences":[{"text":"Yep.","start":564.41504,"end":564.91504,"sentiment":"neutral","sentiment_score":0.12146537005901337},{"text":"15.","start":578.51,"end":579.01,"sentiment":"neutral","sentiment_score":0.06806186586618423},{"text":"Yep.","start":579.07,"end":579.57,"sentiment":"neutral","sentiment_score":0.09236188977956772},{"text":"Yep.","start":610.14,"end":610.64,"sentiment":"neutral","sentiment_score":0.10541427135467528},{"text":"Yeah.","start":664.76,"end":665.26,"sentiment":"neutral","sentiment_score":0.06028483808040619}],"sentiment":"neutral","sentiment_score":0.08951764702796935,"num_words":5,"start":564.41504,"end":665.26},{"sentences":[{"text":"Yep.","start":688.945,"end":689.43,"sentiment":"neutral","sentiment_score":0.23903974890708923},{"text":"Yep.","start":725.07,"end":725.57,"sentiment":"neutral","sentiment_score":0.12809301912784576},{"text":"Yes.","start":745.895,"end":746.22,"sentiment":"neutral","sentiment_score":0.17444679141044617},{"text":"Yep.","start":746.93994,"end":747.43994,"sentiment":"neutral","sentiment_score":0.2781866490840912},{"text":"Yep.","start":763.015,"end":763.515,"sentiment":"neutral","sentiment_score":0.030367320403456688}],"sentiment":"neutral","sentiment_score":0.1700267057865858,"num_words":5,"start":688.945,"end":763.515},{"sentences":[{"text":"Yep.","start":763.895,"end":764.395,"sentiment":"neutral","sentiment_score":0.10017198324203493},{"text":"Yeah.","start":787.2,"end":787.7,"sentiment":"neutral","sentiment_score":0.13651172816753387},{"text":"Yeah.","start":787.76,"end":788.26,"sentiment":"neutral","sentiment_score":0.10686216503381728},{"text":"Okay.","start":788.4,"end":788.9,"sentiment":"neutral","sentiment_score":0.08154662698507309},{"text":"One second.","start":799.245,"end":799.805,"sentiment":"neutral","sentiment_score":0.01589281391352415}],"sentiment":"neutral","sentiment_score":0.07614635520925124,"num_words":6,"start":763.895,"end":799.805},{"sentences":[{"text":"Page 21.","start":799.805,"end":801.185,"sentiment":"neutral","sentiment_score":0.020661309361457825},{"text":"Yep.","start":803.245,"end":803.745,"sentiment":"neutral","sentiment_score":0.1238366961479187},{"text":"Yep.","start":835.00995,"end":835.50995,"sentiment":"neutral","sentiment_score":0.031692326068878174},{"text":"Yep.","start":846.90497,"end":847.40497,"sentiment":"neutral","sentiment_score":0.06252419948577881},{"text":"Yep.","start":852.58496,"end":853.08496,"sentiment":"neutral","sentiment_score":0.07310691475868225}],"sentiment":"neutral","sentiment_score":0.055413792530695595,"num_words":6,"start":799.805,"end":853.08496},{"sentences":[{"text":"Makes sense.","start":853.46497,"end":854.185,"sentiment":"neutral","sentiment_score":0.12909729033708572},{"text":"Yep.","start":854.185,"end":854.685,"sentiment":"neutral","sentiment_score":0.18140845000743863},{"text":"Yeah.","start":865.05,"end":865.55,"sentiment":"neutral","sentiment_score":0.016601432114839554},{"text":"Not not any immediate questions.","start":876.465,"end":878.465,"sentiment":"neutral","sentiment_score":-0.17086161673069},{"text":"I think I do need to have a read through a bit further.","start":878.465,"end":881.605,"sentiment":"neutral","sentiment_score":-0.22494935530882615}],"sentiment":"neutral","sentiment_score":-0.1510202381759882,"num_words":22,"start":853.46497,"end":881.605},{"sentences":[{"text":"Yeah.","start":883.905,"end":884.405,"sentiment":"neutral","sentiment_score":0.026005472987890244},{"text":"Do you actually know where I can download a PDF copy of this document that I was about to sign?","start":884.66003,"end":892.10004,"sentiment":"neutral","sentiment_score":-0.004753455985337496},{"text":"I couldn't see any options on the on my page, but I'm not sure if I'm looking at the wrong place.","start":892.10004,"end":896.595,"sentiment":"neutral","sentiment_score":-0.13043072110130674},{"text":"Yes, please.","start":902.75494,"end":903.57495,"sentiment":"neutral","sentiment_score":0.04267929494380951},{"text":"Yeah.","start":905.235,"end":905.735,"sentiment":"neutral","sentiment_score":0.16397351026535034}],"sentiment":"neutral","sentiment_score":-0.05686170421540737,"num_words":45,"start":883.905,"end":905.735},{"sentences":[{"text":"Yeah.","start":905.795,"end":906.295,"sentiment":"neutral","sentiment_score":0.09672781825065611},{"text":"Yeah.","start":909.15497,"end":909.57,"sentiment":"neutral","sentiment_score":0.0319383442401886},{"text":"Yeah.","start":910.05,"end":910.55,"sentiment":"neutral","sentiment_score":0.015061342157423496},{"text":"Yeah.","start":918.77,"end":919.27,"sentiment":"neutral","sentiment_score":0.318470299243927},{"text":"Yeah.","start":927.295,"end":927.615,"sentiment":"neutral","sentiment_score":0.2460568845272064}],"sentiment":"neutral","sentiment_score":0.14165093768388032,"num_words":5,"start":905.795,"end":927.615},{"sentences":[{"text":"I did just fine.","start":927.615,"end":928.835,"sentiment":"neutral","sentiment_score":0.18412398919463158},{"text":"Yep.","start":930.735,"end":931.235,"sentiment":"neutral","sentiment_score":0.22107115387916565},{"text":"Yep.","start":938.335,"end":938.835,"sentiment":"neutral","sentiment_score":0.1639300286769867},{"text":"Yep.","start":949.96,"end":950.04,"sentiment":"neutral","sentiment_score":0.10763539373874664},{"text":"It should be done by then.","start":950.2,"end":951.4,"sentiment":"neutral","sentiment_score":0.07269519257048766}],"sentiment":"neutral","sentiment_score":0.12810028373048857,"num_words":13,"start":927.615,"end":951.4},{"sentences":[{"text":"Yep.","start":951.4,"end":951.735,"sentiment":"neutral","sentiment_score":0.1012413427233696},{"text":"Yeah.","start":953.175,"end":953.675,"sentiment":"neutral","sentiment_score":0.25884705781936646},{"text":"Yep.","start":957.33496,"end":957.83496,"sentiment":"neutral","sentiment_score":0.2907392382621765},{"text":"Awesome.","start":958.77496,"end":959.255,"sentiment":"positive","sentiment_score":0.4474577605724334},{"text":"Alright.","start":959.255,"end":959.755,"sentiment":"neutral","sentiment_score":0.08247443288564682}],"sentiment":"neutral","sentiment_score":0.23615196645259856,"num_words":5,"start":951.4,"end":959.755},{"sentences":[{"text":"No.","start":960.77496,"end":961.095,"sentiment":"neutral","sentiment_score":-0.0674823448061943},{"text":"Not ready.","start":961.095,"end":961.83496,"sentiment":"neutral","sentiment_score":-0.09842986799776554},{"text":"Thank you too.","start":965.63696,"end":966.5369,"sentiment":"positive","sentiment_score":0.42866456011931103},{"text":"Appreciate it.","start":967.55695,"end":968.5369,"sentiment":"neutral","sentiment_score":0.2578350305557251},{"text":"Alright.","start":968.91693,"end":969.31696,"sentiment":"neutral","sentiment_score":0.21524140238761905}],"sentiment":"neutral","sentiment_score":0.1947292292283641,"num_words":9,"start":960.77496,"end":969.31696},{"sentences":[{"text":"Will do.","start":969.31696,"end":969.79694,"sentiment":"positive","sentiment_score":0.3653753101825714},{"text":"Thank you.","start":969.79694,"end":970.5369,"sentiment":"positive","sentiment_score":0.6585746109485626},{"text":"Bye bye.","start":973.07697,"end":973.81696,"sentiment":"neutral","sentiment_score":0.007332846522331238}],"sentiment":"positive","sentiment_score":0.3437609225511551,"num_words":6,"start":969.31696,"end":973.81696}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Miss King.\n\nChannel 0: Good morning, Amy. This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Could you just help?\n\nChannel 0: I'm\n\nChannel 1: Yes.\n\nChannel 0: good. Thank you. I had you booked in this morning. It is a pretty quick one. Just a bit of an update after I did some research on your super investments to see if we can improve things a little bit for you.\n\nDo you have a couple\n\nChannel 1: Uh-huh.\n\nChannel 0: of minutes for me now?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Okay. Perfect. Now just before I do go any further, I do need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Full name, x I n r n z h a o. Date of birth, 08/10/1993. Address, 228 Beach Road, North Basewater.\n\nChannel 0: Perfect. That's exactly what I have here. Now, Emmy, do you remember the conversation we had for following your annual review a little while ago just in regards to me doing some research on your investments to see if we\n\nChannel 1: Yes.\n\nChannel 0: could swap some that was yeah. Perfect. Now do you have access to your emails at the moment?\n\nChannel 1: I I I do. Yep.\n\nChannel 0: Okay. Perfect. Because what I have done is I have just sent you an email with the recommendation, and it just makes it a bit easier if you do have access to it at the same time as I do walk through it with\n\nChannel 1: Yeah. Okay. Yep. Signature\n\nChannel 0: you.\n\nChannel 1: request.\n\nChannel 0: Yeah. Yes, please. So if you click\n\nChannel 1: Alright.\n\nChannel 0: on the link where it says signature request,\n\nChannel 1: Yep.\n\nChannel 0: it will allow you to open up the documents first before it prompts you to sign anything. And let me know if you can see the cover page where it says statement of advice. Yeah. Sure. In the email as well.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Let me see. Hopefully, it's loading now.\n\nChannel 0: yeah. No. That's okay. While I do wait for it to load, if you do go back to the email later, you will also see us send an attachment through the email, and that is just basically where the free search goes.\n\nChannel 1: Yeah. Okay. I opened the\n\nChannel 0: Yeah.\n\nChannel 1: document now.\n\nChannel 0: Okay. Perfect. Now it is pretty straightforward today. The document is 26 pages. I won't go through all of that with you because it is pretty straightforward, but a lot of it is just for compliance just to make sure you fully understand everything.\n\nBut like I said, it is pretty straightforward today, so I'll tryna make it quick for you. Now every time we do make a recommendation on any products and make, financial personalized advice, we have to put everything in this statement of advice. Now it is tailored specifically for you as well, and it does expire on the twenty fourth of this month. So you have a couple of days to decide if you would like to go ahead, but just be mindful that it is expiring, soon. Okay?\n\nYep. Now it has been prepared for by myself. You can also see my authorized representative number listed on the cover page there, and I am\n\nChannel 1: Yep.\n\nChannel 0: licensed under financial. Now on the second page, you will see best interest duty. Basically, just means that we have to act in your best interest at all time, and the advice itself has to put in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now I'll kind of skip through. And if you can kind of keep scrolling with me, you will see a couple of pages talking about scope of advice. Basically, what that refers to is just the areas we are looking at today.\n\nSo very simple, just focusing on your superannuation to make sure we can give you as much growth as possible. Not making any change to your insurances or anything else. Literally just your super today. So pretty straightforward. Now as you scroll through as well, you will see some a couple of pages about you, just some personal information, your assets and liabilities as well.\n\nChannel 1: Yep.\n\nChannel 0: And then you'll have your insurances again. I won't go through that with you because we kind of went through the during the annual review. It's just listed there for you so you have the information. And that then takes me to page 11, which shows\n\nChannel 1: Yep.\n\nChannel 0: your risk profile. Can you see where I'm at? Or page 10. Sorry.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. Now we did go through a couple of questions in regards to how you feel about risk and fluctuation during the annual review, and we're not making any changes. Keeping you in a high growth portfolio is very suitable\n\nChannel 1: Yep.\n\nChannel 0: for you. You still have plenty of time until retirement, so not making any changes to your level of risk or anything like that. Yep. Perfect. Now that then takes me to page 12.\n\nSo it says\n\nChannel 1: Yep.\n\nChannel 0: at the top, strategy recommendation with pain hub twenty four. Can you see that?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. So I did do some research on other super options for you as well, and I did consider everything just to make sure hub twenty four is still going to be the best option for you because there's always new products and features that comes out. So it is good to kind of reassess every now and then just to make sure. And all the time being, hub 24 still is very much competitive.\n\nIt is competitive when it comes to prices and features and availability with investment. I do use hub 24 for my personal super as well. So for the time being, I have recommended staying hub twenty four is doing really good for you and literally\n\nChannel 1: Yep.\n\nChannel 0: just changing a couple of investments.\n\nChannel 1: Yep.\n\nChannel 0: Now what that actually looks like from a projection point of view, if you can scroll down because it's sometimes easier to look at this first to page 17, it should say the comparison table. Can you see that?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now this is basically so a couple of the pages that you did scroll through, it just basically puts it all into Word, but I often find that looking at it here is sometimes a bit easier. So you can see your current position. You can see your total cost currently, and then you can also see the three year rolling average on your current portfolio.\n\nNow on the other side, you can see recommended. So like I said, I have recommended staying in hub twenty four literally just changing investments. So not changing insurances or contributions or anything like that, just your investment. And you can see by just taking the investment, the total cost is actually saving you about $474 in investment fees a lot, which I thought was pretty good. Yeah.\n\nNow\n\nChannel 1: Yep.\n\nChannel 0: I do also want to let you know we did obviously consider capital gains tax, wanting to minimize that as much as possible with the investment changes. And when we did do the research for at the time, there is no estimated capital gains tax, which is great. Now in terms of an investment return, you can see here that using the same three year rolling average, the new recommended portfolio has performed a little bit better at 17.32%. Does Does that all make sense so far?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now if you scroll down one page for me, you can actually see I have this projected that forward for five and ten years to\n\nChannel 1: Ten\n\nChannel 0: show\n\nChannel 1: years.\n\nChannel 0: you\n\nChannel 1: Yep.\n\nChannel 0: kind of, yeah, the compounding difference, which just shows you as well that just making a couple of changes, reducing fees a little bit, and improving those returns, it does make a pretty big difference when we're kind of compounding that forward for you. And you can also see I have included a bit more on the return, so I show you more so parents as well. So the twelve month period, which you can see is a pretty big difference. Obviously, three years is also improved, and then five years in the recommended. Now some of the investments in your current one, haven't been around for five years, so I couldn't give you the five year for that.\n\nSo that's why we've used the three years as a comparison, But I just wanted\n\nChannel 1: Yep.\n\nChannel 0: to show you a little bit more as well on the recommended return set.\n\nChannel 1: Yep.\n\nChannel 0: All makes sense as far as well? Pretty straightforward?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now if you can scroll up for me to page 16, you should\n\nChannel 1: Yep.\n\nChannel 0: see a, like, a asset allocation table and a pie chart.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now this just shows you your risk profile. So you can see in the second column, risk profile, aiming for that about nine to 10 allocation, existing, and then also the proposed. So you can see that both the existing and proposed are very much aligned with your risk profile.\n\nYou do have a little bit more growth in the proposed. Still have some defensive, though, to limit those fluctuations. Makes sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And what that actually looks like in terms of the investment changes for you is if you can scroll up to page 15. Yep. Now this might look a little bit messy, but what\n\nChannel 1: 15.\n\nChannel 0: it basically\n\nChannel 1: Yep.\n\nChannel 0: shows you, it shows you all the investments. It also shows you your current weight in them. You can see that you have some in a couple, and then, like, the bottom one where it's zero, you don't have anything at the moment. What that looks like in terms of the balance and then the buy and sell column. So this is the one where everything that is in red is what we are selling.\n\nWhat is in black is either what we are keeping in your portfolio or then adding to your portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Then you have the target weight, so what we are aiming for and what that looks like in terms of the dollar value. So, essentially, to try to summarize that for you, we are making a couple of changes. The investments of loss, everything stays the same. We are still aiming for that core satellite approach to investment where we do see majority of your funds invested in what we call your core investment. So one of that that's, like, your biggest shareholding.\n\nSo you can see, for example, the 35% in the iShares S and P 500. We are still keeping that in your portfolio. It's doing really well, just increasing that exposure a little bit for you. You can then also see the 25% for beta shares Australia 200. Now this is the one we've kind of changed for that Benelon Australian equity that was underperforming a little bit.\n\nSo we also want to\n\nChannel 1: Yeah.\n\nChannel 0: make sure you have some exposure to the Australian market. We don't want everything just overseas. So 25% in this one, and that one basically invests in the 200 largest companies listed on the ASX. So here in Australia, you'll have all the companies like BHP and Woolworths. So all the kind of big Commonwealth or, like, the big companies.\n\nSo still very diversified for you.\n\nChannel 1: Yep.\n\nChannel 0: The other investments we have switched out is what we call your satellite investments. Now these can be a little bit more volatile or fluctuate a little bit more, and that's why they only represent a smaller portion of your portfolio. The these are the ones that can give you the most amount of growth as well. So you can see we are still keeping gold in your portfolio as a defensive. It's doing really well, so you wanna keep that in your portfolio.\n\nWe also have 5% in a fixed interest. Again, wanna make sure we have some defensive components to your portfolio. But,\n\nChannel 1: Yep.\n\nChannel 0: otherwise, in terms of the satellite investments, we have 9% invested in Europe. You can see see it there for you. So, again, very diversified all across Europe. You have 5% in Japan. Then you have 8% in Vanguard or World.\n\nYou may have heard of Vanguard before. They're they're quite big.\n\nChannel 1: Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. But this one here, it invests all around the world, but it does exclude The US because you already have exposures to The US market in that iShares S and P 500, and we don't want too much in one area either. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And that is essentially the changes on the investments. So if you would like to go ahead and, you know, read a bit more on the investments as well, in that appendix I mentioned earlier sorry. In the attachment to the email, I have included investment link to these investments.\n\nSo if it is that you do wanna go back and have a bit of a read over them, that is all in there for you.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: Now the the last thing I do wanna just touch on is the fee. So if you scroll down to page 21 for me,\n\nChannel 1: One second. Page 21. Yep.\n\nChannel 0: Yep. Perfect. So, basically, it just shows you the fee structure again. Now like I mentioned during the annual review, there is no changes whatsoever in regards to the fee structure. It stays reduced at that 1.1 from superannuation.\n\nNo changes in regards to that. And I have also just included your premium. Now just for your reference as well, every time, with insurances, we do get commissions, and that is 22% ongoing. Now that\n\nChannel 1: Yep.\n\nChannel 0: is tile paying us, though. It is not you paying us, and it is the same for every single insurer provider, for every single adviser. So it doesn't sway us in, like, any way to recommend one provider over the other.\n\nChannel 1: Yep.\n\nChannel 0: But for compliances, we have to disclose any commissions we receive so that you are fully aware. Does that all make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Makes\n\nChannel 0: Yep.\n\nChannel 1: sense. Yep.\n\nChannel 0: Perfect. And that was essentially everything today, Emmy. So like I said, pretty straightforward, keeping you in Hub 24, just changing some of those investments around, reducing those\n\nChannel 1: Yeah.\n\nChannel 0: fees a little bit, and improving the returns. No estimate of capital gains, which is good. Do you have any questions, or what are your thoughts on this?\n\nChannel 1: Not not any immediate questions. I think I do need to have a read through a bit further.\n\nChannel 0: Yes. Of course.\n\nChannel 1: Yeah. Do you\n\nChannel 0: Yeah.\n\nChannel 1: actually\n\nChannel 0: Nope.\n\nChannel 1: know where I can download a PDF copy of this document that I was about to sign? I couldn't see any options on the on my page, but I'm not sure if I'm looking at the wrong place.\n\nChannel 0: There should be one there. But if you can't, I can just email it through you if you want. I\n\nChannel 1: Yes,\n\nChannel 0: can just\n\nChannel 1: please.\n\nChannel 0: email you a PDF version. Yep. Perfect. I'll\n\nChannel 1: Yeah.\n\nChannel 0: attach\n\nChannel 1: Yeah.\n\nChannel 0: the appendix as well just if\n\nChannel 1: Yeah.\n\nChannel 0: if you can't\n\nChannel 1: Yeah.\n\nChannel 0: see it. Now then, obviously, take some time. Have a bit of a read over it. If you have any questions at all, just give me a call.\n\nChannel 1: Yeah.\n\nChannel 0: If you do read through it and it all makes sense and you are happy with the recommendation to move forward, you would then be where you are currently. It\n\nChannel 1: Yeah.\n\nChannel 0: will then\n\nChannel 1: I\n\nChannel 0: ask\n\nChannel 1: did\n\nChannel 0: you\n\nChannel 1: just\n\nChannel 0: to\n\nChannel 1: fine.\n\nChannel 0: add exactly once you've\n\nChannel 1: Yep.\n\nChannel 0: signed it and validated, it will send it back to me. I'll get notified that you want to go ahead, and we can put all that in force for you. But\n\nChannel 1: Yep.\n\nChannel 0: you do have a couple of more days to obviously have a read over everything. Make sure you are happy before signing anything. Just note that it does expire on Sunday. So you do have\n\nChannel 1: Yep.\n\nChannel 0: this\n\nChannel 1: It\n\nChannel 0: week.\n\nChannel 1: should be\n\nChannel 0: Just\n\nChannel 1: done\n\nChannel 0: be\n\nChannel 1: by\n\nChannel 0: mindful.\n\nChannel 1: then. Yep.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: I will send you that email in the next couple of minutes so that you have it\n\nChannel 1: Yep.\n\nChannel 0: handy. But do\n\nChannel 1: Awesome.\n\nChannel 0: you have any\n\nChannel 1: Alright.\n\nChannel 0: other questions before I let you\n\nChannel 1: No.\n\nChannel 0: go, by\n\nChannel 1: Not\n\nChannel 0: the way?\n\nChannel 1: ready.\n\nChannel 0: No. Okay. Perfect. Well, thank you so much for your time today, Emmy. I will send\n\nChannel 1: Thank\n\nChannel 0: that\n\nChannel 1: you\n\nChannel 0: email\n\nChannel 1: too.\n\nChannel 0: to you, and let me know if you\n\nChannel 1: Appreciate\n\nChannel 0: have any questions.\n\nChannel 1: it. Alright. Will do. Thank you.\n\nChannel 0: No worries. We'll speak soon. Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.72,"end":2.96,"sentiment":"neutral","sentiment_score":0.07890689373016357},{"text":"Miss King.","start":2.96,"end":3.78,"sentiment":"neutral","sentiment_score":0.09216273576021194}],"sentiment":"neutral","sentiment_score":0.08774412175019582,"channel":1,"num_words":3,"start":2.72,"end":3.78},{"sentences":[{"text":"Good morning, Amy.","start":4.64,"end":5.44,"sentiment":"positive","sentiment_score":0.42160622278849286},{"text":"This is Veronica from Oakview Financial.","start":5.44,"end":7.62,"sentiment":"positive","sentiment_score":0.33747736116250354},{"text":"How are you?","start":7.7599998,"end":8.5,"sentiment":"neutral","sentiment_score":0.25376465916633606}],"sentiment":"positive","sentiment_score":0.337581401069959,"channel":0,"num_words":12,"start":4.64,"end":8.5},{"sentences":[{"text":"Could you just help?","start":8.96,"end":9.94,"sentiment":"neutral","sentiment_score":0.20571314170956612}],"sentiment":"neutral","sentiment_score":0.20571314170956612,"channel":1,"num_words":4,"start":8.96,"end":9.94},{"sentences":[{"text":"I'm","start":10.32,"end":10.719999,"sentiment":"positive","sentiment_score":0.4720430374145508}],"sentiment":"positive","sentiment_score":0.4720430374145508,"channel":0,"num_words":1,"start":10.32,"end":10.719999},{"sentences":[{"text":"Yes.","start":10.719999,"end":11.219999,"sentiment":"positive","sentiment_score":0.4832215905189514}],"sentiment":"positive","sentiment_score":0.4832215905189514,"channel":1,"num_words":1,"start":10.719999,"end":11.219999},{"sentences":[{"text":"good.","start":10.719999,"end":11.04,"sentiment":"positive","sentiment_score":0.5198737382888794},{"text":"Thank you.","start":11.04,"end":11.86,"sentiment":"positive","sentiment_score":0.6819964349269867},{"text":"I had you booked in this morning.","start":12.575001,"end":14.575001,"sentiment":"positive","sentiment_score":0.3879270553588867},{"text":"It is a pretty quick one.","start":14.735001,"end":16.095001,"sentiment":"positive","sentiment_score":0.5175280570983887},{"text":"Just a bit of an update after I did some research on your super investments to see if we can improve things a little bit for you.","start":16.095001,"end":23.154999,"sentiment":"neutral","sentiment_score":0.26029215697888974}],"sentiment":"positive","sentiment_score":0.3426142459691957,"channel":0,"num_words":43,"start":10.719999,"end":23.154999},{"sentences":[{"text":"Do you have a couple","start":23.375,"end":24.335,"sentiment":"neutral","sentiment_score":0.05031959637999535}],"sentiment":"neutral","sentiment_score":0.05031959637999535,"channel":0,"num_words":5,"start":23.375,"end":24.335},{"sentences":[{"text":"Uh-huh.","start":24.055,"end":24.555,"sentiment":"neutral","sentiment_score":0.026466352865099907}],"sentiment":"neutral","sentiment_score":0.026466352865099907,"channel":1,"num_words":1,"start":24.055,"end":24.555},{"sentences":[{"text":"of minutes for me now?","start":24.335,"end":25.68,"sentiment":"neutral","sentiment_score":0.036716262251138686}],"sentiment":"neutral","sentiment_score":0.036716262251138686,"channel":0,"num_words":5,"start":24.335,"end":25.68},{"sentences":[{"text":"Yeah.","start":26.055,"end":26.555,"sentiment":"neutral","sentiment_score":0.05006664991378784}],"sentiment":"neutral","sentiment_score":0.05006664991378784,"channel":1,"num_words":1,"start":26.055,"end":26.555},{"sentences":[{"text":"Yeah.","start":26.880001,"end":27.2,"sentiment":"neutral","sentiment_score":0.07630261778831482},{"text":"Okay.","start":27.2,"end":27.7,"sentiment":"neutral","sentiment_score":0.13865123689174652},{"text":"Perfect.","start":27.76,"end":28.26,"sentiment":"neutral","sentiment_score":0.2903154492378235},{"text":"Now just before I do go any further, I do need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay.","start":28.720001,"end":36.18,"sentiment":"neutral","sentiment_score":0.0402623583273641}],"sentiment":"neutral","sentiment_score":0.052277427981607616,"channel":0,"num_words":32,"start":26.880001,"end":36.18},{"sentences":[{"text":"Yeah.","start":37.05,"end":37.55,"sentiment":"neutral","sentiment_score":0.11319012939929962}],"sentiment":"neutral","sentiment_score":0.11319012939929962,"channel":1,"num_words":1,"start":37.05,"end":37.55},{"sentences":[{"text":"Perfect.","start":38.175,"end":38.675,"sentiment":"neutral","sentiment_score":0.1966017186641693},{"text":"And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":39.215,"end":49.075,"sentiment":"neutral","sentiment_score":0.10574094797758495}],"sentiment":"neutral","sentiment_score":0.10833696999720165,"channel":0,"num_words":35,"start":38.175,"end":49.075},{"sentences":[{"text":"Full name, x I n r n z h a o.","start":50.445,"end":53.245,"sentiment":"neutral","sentiment_score":0.028921709819273514},{"text":"Date of birth, 08/10/1993.","start":53.245,"end":55.325,"sentiment":"neutral","sentiment_score":0.023961937986314297},{"text":"Address, 228 Beach Road, North Basewater.","start":55.325,"end":58.065,"sentiment":"neutral","sentiment_score":0.04966270395865043}],"sentiment":"neutral","sentiment_score":0.03390298970043659,"channel":1,"num_words":21,"start":50.445,"end":58.065},{"sentences":[{"text":"Perfect.","start":59.07,"end":59.47,"sentiment":"positive","sentiment_score":0.4951053857803345},{"text":"That's exactly what I have here.","start":59.47,"end":61.489998,"sentiment":"positive","sentiment_score":0.552706648906072},{"text":"Now, Emmy, do you remember the conversation we had for following your annual review a little while ago just in regards to me doing some research on your investments to see if we","start":62.445,"end":71.325,"sentiment":"neutral","sentiment_score":0.06496346098455516}],"sentiment":"neutral","sentiment_score":0.14887848729267716,"channel":0,"num_words":40,"start":59.07,"end":71.325},{"sentences":[{"text":"Yes.","start":71.299995,"end":71.799995,"sentiment":"neutral","sentiment_score":0.03308806195855141}],"sentiment":"neutral","sentiment_score":0.03308806195855141,"channel":1,"num_words":1,"start":71.299995,"end":71.799995},{"sentences":[{"text":"could swap some that was yeah.","start":71.325,"end":72.845,"sentiment":"neutral","sentiment_score":0.027906971362729866},{"text":"Perfect.","start":72.845,"end":73.345,"sentiment":"neutral","sentiment_score":0.16456183791160583},{"text":"Now do you have access to your emails at the moment?","start":73.885,"end":76.145,"sentiment":"neutral","sentiment_score":0.057034734297882424}],"sentiment":"neutral","sentiment_score":0.053299207964705095,"channel":0,"num_words":18,"start":71.325,"end":76.145},{"sentences":[{"text":"I I I do.","start":77.955,"end":79.475,"sentiment":"neutral","sentiment_score":0.06277798861265182},{"text":"Yep.","start":79.475,"end":79.975,"sentiment":"neutral","sentiment_score":0.10123785585165024}],"sentiment":"neutral","sentiment_score":0.0704699620604515,"channel":1,"num_words":5,"start":77.955,"end":79.975},{"sentences":[{"text":"Okay.","start":80.29,"end":80.61,"sentiment":"neutral","sentiment_score":0.1794860064983368},{"text":"Perfect.","start":80.61,"end":81.01,"sentiment":"neutral","sentiment_score":0.2871275842189789},{"text":"Because what I have done is I have just sent you an email with the recommendation, and it just makes it a bit easier if you do have access to it at the same time as I do walk through it with","start":81.01,"end":92.505,"sentiment":"neutral","sentiment_score":0.2267329160656248}],"sentiment":"neutral","sentiment_score":0.22703172876076264,"channel":0,"num_words":44,"start":80.29,"end":92.505},{"sentences":[{"text":"Yeah.","start":92.51,"end":92.670006,"sentiment":"neutral","sentiment_score":0.11756610870361328},{"text":"Okay.","start":92.670006,"end":93.170006,"sentiment":"neutral","sentiment_score":0.11342105269432068},{"text":"Yep.","start":94.350006,"end":94.83,"sentiment":"neutral","sentiment_score":0.08225376904010773},{"text":"Signature","start":94.83,"end":95.33,"sentiment":"neutral","sentiment_score":0.0678497701883316}],"sentiment":"neutral","sentiment_score":0.09527267515659332,"channel":1,"num_words":4,"start":92.51,"end":95.33},{"sentences":[{"text":"you.","start":95.145,"end":95.645,"sentiment":"neutral","sentiment_score":0.0761970579624176}],"sentiment":"neutral","sentiment_score":0.0761970579624176,"channel":0,"num_words":1,"start":95.145,"end":95.645},{"sentences":[{"text":"request.","start":95.39,"end":95.89,"sentiment":"neutral","sentiment_score":0.07414250820875168}],"sentiment":"neutral","sentiment_score":0.07414250820875168,"channel":1,"num_words":1,"start":95.39,"end":95.89},{"sentences":[{"text":"Yeah.","start":95.704994,"end":96.204994,"sentiment":"neutral","sentiment_score":0.09980641305446623},{"text":"Yes, please.","start":96.34499,"end":97.145,"sentiment":"neutral","sentiment_score":0.12251757085323334},{"text":"So if you click","start":97.145,"end":98.024994,"sentiment":"neutral","sentiment_score":0.11305759847164154}],"sentiment":"neutral","sentiment_score":0.11386742123535701,"channel":0,"num_words":7,"start":95.704994,"end":98.024994},{"sentences":[{"text":"Alright.","start":97.71001,"end":98.21001,"sentiment":"neutral","sentiment_score":0.10601013898849489}],"sentiment":"neutral","sentiment_score":0.10601013898849489,"channel":1,"num_words":1,"start":97.71001,"end":98.21001},{"sentences":[{"text":"on the link where it says signature request,","start":98.024994,"end":100.365,"sentiment":"neutral","sentiment_score":0.11402080859988928}],"sentiment":"neutral","sentiment_score":0.11402080859988928,"channel":0,"num_words":8,"start":98.024994,"end":100.365},{"sentences":[{"text":"Yep.","start":101.23,"end":101.73,"sentiment":"neutral","sentiment_score":0.1609424650669098}],"sentiment":"neutral","sentiment_score":0.1609424650669098,"channel":1,"num_words":1,"start":101.23,"end":101.73},{"sentences":[{"text":"it will allow you to open up the documents first before it prompts you to sign anything.","start":101.305,"end":106.284996,"sentiment":"neutral","sentiment_score":0.16899655671680675},{"text":"And let me know if you can see the cover page where it says statement of advice.","start":118.53,"end":124.365,"sentiment":"neutral","sentiment_score":0.09808574441601248},{"text":"Yeah.","start":127.545,"end":127.865,"sentiment":"neutral","sentiment_score":0.10086553543806076},{"text":"Sure.","start":127.865,"end":128.36499,"sentiment":"neutral","sentiment_score":0.10837630927562714},{"text":"In the email as well.","start":135.56,"end":137.34001,"sentiment":"neutral","sentiment_score":0.09003739356994629}],"sentiment":"neutral","sentiment_score":0.12682507150783773,"channel":0,"num_words":41,"start":101.305,"end":137.34001},{"sentences":[{"text":"Yeah.","start":138.375,"end":138.875,"sentiment":"neutral","sentiment_score":0.06215561926364899}],"sentiment":"neutral","sentiment_score":0.06215561926364899,"channel":1,"num_words":1,"start":138.375,"end":138.875},{"sentences":[{"text":"So","start":138.68001,"end":139.18001,"sentiment":"neutral","sentiment_score":0.05241962894797325}],"sentiment":"neutral","sentiment_score":0.05241962894797325,"channel":0,"num_words":1,"start":138.68001,"end":139.18001},{"sentences":[{"text":"Let me see.","start":139.01501,"end":139.99501,"sentiment":"neutral","sentiment_score":0.04486890509724617},{"text":"Hopefully, it's loading now.","start":141.41501,"end":142.74,"sentiment":"neutral","sentiment_score":0.16836531832814217}],"sentiment":"neutral","sentiment_score":0.1154382840863296,"channel":1,"num_words":7,"start":139.01501,"end":142.74},{"sentences":[{"text":"yeah.","start":143.24,"end":143.64,"sentiment":"neutral","sentiment_score":0.07026515156030655},{"text":"No.","start":143.64,"end":143.8,"sentiment":"neutral","sentiment_score":0.009040318429470062},{"text":"That's okay.","start":143.8,"end":144.44,"sentiment":"neutral","sentiment_score":0.11374720185995102},{"text":"While I do wait for it to load, if you do go back to the email later, you will also see us send an attachment through the email, and that is just basically where the free search goes.","start":144.44,"end":155.095,"sentiment":"neutral","sentiment_score":0.12134514807870514}],"sentiment":"neutral","sentiment_score":0.11709322620715414,"channel":0,"num_words":42,"start":143.24,"end":155.095},{"sentences":[{"text":"Yeah.","start":155.70001,"end":156.02,"sentiment":"neutral","sentiment_score":0.09827429056167604},{"text":"Okay.","start":156.02,"end":156.34001,"sentiment":"neutral","sentiment_score":0.10220937430858612},{"text":"I opened the","start":156.34001,"end":157.06,"sentiment":"neutral","sentiment_score":0.13269628584384918}],"sentiment":"neutral","sentiment_score":0.11971450448036194,"channel":1,"num_words":5,"start":155.70001,"end":157.06},{"sentences":[{"text":"Yeah.","start":156.91501,"end":157.41501,"sentiment":"neutral","sentiment_score":0.0977729558944702}],"sentiment":"neutral","sentiment_score":0.0977729558944702,"channel":0,"num_words":1,"start":156.91501,"end":157.41501},{"sentences":[{"text":"document now.","start":157.06,"end":158.04001,"sentiment":"neutral","sentiment_score":0.13992740213871002}],"sentiment":"neutral","sentiment_score":0.13992740213871002,"channel":1,"num_words":2,"start":157.06,"end":158.04001},{"sentences":[{"text":"Okay.","start":158.27501,"end":158.755,"sentiment":"neutral","sentiment_score":0.2626415491104126},{"text":"Perfect.","start":158.755,"end":159.255,"sentiment":"positive","sentiment_score":0.6228848695755005},{"text":"Now it is pretty straightforward today.","start":160.755,"end":162.57,"sentiment":"positive","sentiment_score":0.5715001622835795},{"text":"The document is 26 pages.","start":162.57,"end":164.33,"sentiment":"neutral","sentiment_score":0.28339638710021975},{"text":"I won't go through all of that with you because it is pretty straightforward, but a lot of it is just for compliance just to make sure you fully understand everything.","start":164.33,"end":172.19,"sentiment":"neutral","sentiment_score":0.3112787263047311}],"sentiment":"positive","sentiment_score":0.34957158734852617,"channel":0,"num_words":44,"start":158.27501,"end":172.19},{"sentences":[{"text":"But like I said, it is pretty straightforward today, so I'll tryna make it quick for you.","start":172.49,"end":176.91,"sentiment":"positive","sentiment_score":0.5484984990428475},{"text":"Now every time we do make a recommendation on any products and make, financial personalized advice, we have to put everything in this statement of advice.","start":177.425,"end":185.845,"sentiment":"neutral","sentiment_score":0.1867048407976444},{"text":"Now it is tailored specifically for you as well, and it does expire on the twenty fourth of this month.","start":186.305,"end":193.11,"sentiment":"neutral","sentiment_score":0.13374876100569963},{"text":"So you have a couple of days to decide if you would like to go ahead, but just be mindful that it is expiring, soon.","start":193.11,"end":200.31,"sentiment":"neutral","sentiment_score":0.05752711087465286},{"text":"Okay?","start":200.31,"end":200.81,"sentiment":"neutral","sentiment_score":0.04238505661487579}],"sentiment":"neutral","sentiment_score":0.2060038021692399,"channel":0,"num_words":89,"start":172.49,"end":200.81},{"sentences":[{"text":"Yep.","start":202.725,"end":203.205,"sentiment":"neutral","sentiment_score":0.07120583951473236},{"text":"Now it has been prepared for by myself.","start":203.205,"end":206.165,"sentiment":"neutral","sentiment_score":0.10720064304769039},{"text":"You can also see my authorized representative number listed on the cover page there, and I am","start":206.165,"end":211.365,"sentiment":"neutral","sentiment_score":0.09902207005549879}],"sentiment":"neutral","sentiment_score":0.1004686990322975,"channel":0,"num_words":26,"start":202.725,"end":211.365},{"sentences":[{"text":"Yep.","start":211.32999,"end":211.82999,"sentiment":"neutral","sentiment_score":0.0760716050863266}],"sentiment":"neutral","sentiment_score":0.0760716050863266,"channel":1,"num_words":1,"start":211.32999,"end":211.82999},{"sentences":[{"text":"licensed under financial.","start":211.365,"end":212.505,"sentiment":"neutral","sentiment_score":0.07345725099245708},{"text":"Now on the second page, you will see best interest duty.","start":214.40001,"end":218.82,"sentiment":"neutral","sentiment_score":0.058956014161760155},{"text":"Basically, just means that we have to act in your best interest at all time, and the advice itself has to put in a better position as a result of the advice.","start":219.2,"end":228.82,"sentiment":"neutral","sentiment_score":0.061035470105707645},{"text":"Otherwise, we can't actually make the recommendation.","start":229.075,"end":231.25499,"sentiment":"neutral","sentiment_score":-0.09767351831708636},{"text":"Does that make sense?","start":231.635,"end":232.69499,"sentiment":"neutral","sentiment_score":0.017674703150987625}],"sentiment":"neutral","sentiment_score":0.03875451116708287,"channel":0,"num_words":57,"start":211.365,"end":232.69499},{"sentences":[{"text":"Yep.","start":233.32,"end":233.82,"sentiment":"neutral","sentiment_score":0.058031972497701645}],"sentiment":"neutral","sentiment_score":0.058031972497701645,"channel":1,"num_words":1,"start":233.32,"end":233.82},{"sentences":[{"text":"Yep.","start":233.555,"end":234.055,"sentiment":"neutral","sentiment_score":0.12216683477163316},{"text":"Perfect.","start":234.355,"end":234.855,"sentiment":"neutral","sentiment_score":0.3042345941066742},{"text":"Now I'll kind of skip through.","start":235.23499,"end":236.915,"sentiment":"neutral","sentiment_score":0.14236478507518768},{"text":"And if you can kind of keep scrolling with me, you will see a couple of pages talking about scope of advice.","start":236.915,"end":243.415,"sentiment":"neutral","sentiment_score":0.10006703233177011},{"text":"Basically, what that refers to is just the areas we are looking at today.","start":244.66,"end":248.84,"sentiment":"neutral","sentiment_score":0.1687812821141311}],"sentiment":"neutral","sentiment_score":0.1328409727324139,"channel":0,"num_words":44,"start":233.555,"end":248.84},{"sentences":[{"text":"So very simple, just focusing on your superannuation to make sure we can give you as much growth as possible.","start":248.9,"end":255.0,"sentiment":"positive","sentiment_score":0.40007945746183393},{"text":"Not making any change to your insurances or anything else.","start":255.7,"end":259.325,"sentiment":"neutral","sentiment_score":0.12494442388415336},{"text":"Literally just your super today.","start":259.325,"end":260.845,"sentiment":"neutral","sentiment_score":0.32301734685897826},{"text":"So pretty straightforward.","start":260.845,"end":261.825,"sentiment":"positive","sentiment_score":0.4463944335778554},{"text":"Now as you scroll through as well, you will see some a couple of pages about you, just some personal information, your assets and liabilities as well.","start":264.125,"end":273.78,"sentiment":"neutral","sentiment_score":0.052761628258007544}],"sentiment":"neutral","sentiment_score":0.20969026747804423,"channel":0,"num_words":65,"start":248.9,"end":273.78},{"sentences":[{"text":"Yep.","start":274.21,"end":274.71,"sentiment":"neutral","sentiment_score":0.08779118955135345}],"sentiment":"neutral","sentiment_score":0.08779118955135345,"channel":1,"num_words":1,"start":274.21,"end":274.71},{"sentences":[{"text":"And then you'll have your insurances again.","start":274.72,"end":277.12,"sentiment":"neutral","sentiment_score":0.06639464678508895},{"text":"I won't go through that with you because we kind of went through the during the annual review.","start":277.12,"end":280.32,"sentiment":"neutral","sentiment_score":0.008705825182712741},{"text":"It's just listed there for you so you have the information.","start":280.32,"end":282.9,"sentiment":"neutral","sentiment_score":0.07711139389059761},{"text":"And that then takes me to page 11, which shows","start":284.235,"end":287.59497,"sentiment":"neutral","sentiment_score":0.03427095171064139}],"sentiment":"neutral","sentiment_score":0.039400048493205206,"channel":0,"num_words":46,"start":274.72,"end":287.59497},{"sentences":[{"text":"Yep.","start":287.315,"end":287.815,"sentiment":"neutral","sentiment_score":0.01682122051715851}],"sentiment":"neutral","sentiment_score":0.01682122051715851,"channel":1,"num_words":1,"start":287.315,"end":287.815},{"sentences":[{"text":"your risk profile.","start":287.59497,"end":288.81497,"sentiment":"neutral","sentiment_score":0.01607777550816536},{"text":"Can you see where I'm at?","start":288.955,"end":290.07498,"sentiment":"neutral","sentiment_score":0.0013097752816975117},{"text":"Or page 10.","start":290.07498,"end":291.03497,"sentiment":"neutral","sentiment_score":0.0007386934012174606},{"text":"Sorry.","start":291.03497,"end":291.53497,"sentiment":"neutral","sentiment_score":-0.014383194968104362}],"sentiment":"neutral","sentiment_score":0.0033788356500176284,"channel":0,"num_words":13,"start":287.59497,"end":291.53497},{"sentences":[{"text":"Yes.","start":291.795,"end":292.17,"sentiment":"neutral","sentiment_score":0.0584358274936676}],"sentiment":"neutral","sentiment_score":0.0584358274936676,"channel":1,"num_words":1,"start":291.795,"end":292.17},{"sentences":[{"text":"Yeah.","start":292.715,"end":293.115,"sentiment":"neutral","sentiment_score":0.17961561679840088},{"text":"Perfect.","start":293.115,"end":293.615,"sentiment":"positive","sentiment_score":0.5101567506790161},{"text":"Now we did go through a couple of questions in regards to how you feel about risk and fluctuation during the annual review, and we're not making any changes.","start":294.31497,"end":301.49,"sentiment":"neutral","sentiment_score":0.05244978465910616},{"text":"Keeping you in a high growth portfolio is very suitable","start":301.79,"end":304.99,"sentiment":"positive","sentiment_score":0.3578353762626648}],"sentiment":"neutral","sentiment_score":0.14119926549312545,"channel":0,"num_words":41,"start":292.715,"end":304.99},{"sentences":[{"text":"Yep.","start":304.715,"end":305.215,"sentiment":"positive","sentiment_score":0.3696536719799042}],"sentiment":"positive","sentiment_score":0.3696536719799042,"channel":1,"num_words":1,"start":304.715,"end":305.215},{"sentences":[{"text":"for you.","start":304.99,"end":305.38998,"sentiment":"positive","sentiment_score":0.37932392954826355},{"text":"You still have plenty of time until retirement, so not making any changes to your level of risk or anything like that.","start":305.38998,"end":312.21,"sentiment":"neutral","sentiment_score":0.04316070472652262},{"text":"Yep.","start":313.535,"end":313.935,"sentiment":"neutral","sentiment_score":0.16330501437187195},{"text":"Perfect.","start":313.935,"end":314.435,"sentiment":"positive","sentiment_score":0.3849639892578125},{"text":"Now that then takes me to page 12.","start":315.055,"end":317.875,"sentiment":"neutral","sentiment_score":0.09750733710825443}],"sentiment":"neutral","sentiment_score":0.08930914892869837,"channel":0,"num_words":34,"start":304.99,"end":317.875},{"sentences":[{"text":"So it says","start":318.255,"end":319.315,"sentiment":"neutral","sentiment_score":0.049172996232906975}],"sentiment":"neutral","sentiment_score":0.049172996232906975,"channel":0,"num_words":3,"start":318.255,"end":319.315},{"sentences":[{"text":"Yep.","start":319.27502,"end":319.77502,"sentiment":"neutral","sentiment_score":0.06345968693494797}],"sentiment":"neutral","sentiment_score":0.06345968693494797,"channel":1,"num_words":1,"start":319.27502,"end":319.77502},{"sentences":[{"text":"at the top, strategy recommendation with pain hub twenty four.","start":319.375,"end":323.535,"sentiment":"neutral","sentiment_score":0.13116085156798363},{"text":"Can you see that?","start":323.535,"end":324.515,"sentiment":"neutral","sentiment_score":0.09285406768321991}],"sentiment":"neutral","sentiment_score":0.12021605617233685,"channel":0,"num_words":14,"start":319.375,"end":324.515},{"sentences":[{"text":"Yes.","start":324.91998,"end":325.41998,"sentiment":"neutral","sentiment_score":0.14178287982940674}],"sentiment":"neutral","sentiment_score":0.14178287982940674,"channel":1,"num_words":1,"start":324.91998,"end":325.41998},{"sentences":[{"text":"Yep.","start":325.74002,"end":326.06,"sentiment":"neutral","sentiment_score":0.18719057738780975},{"text":"Perfect.","start":326.06,"end":326.54,"sentiment":"positive","sentiment_score":0.4684774875640869},{"text":"So I did do some research on other super options for you as well, and I did consider everything just to make sure hub twenty four is still going to be the best option for you because there's always new products and features that comes out.","start":326.54,"end":337.84,"sentiment":"neutral","sentiment_score":0.32729217215724615},{"text":"So it is good to kind of reassess every now and then just to make sure.","start":338.07498,"end":342.095,"sentiment":"neutral","sentiment_score":0.2684223596006632},{"text":"And all the time being, hub 24 still is very much competitive.","start":342.235,"end":346.415,"sentiment":"positive","sentiment_score":0.4202451209227244}],"sentiment":"neutral","sentiment_score":0.3295895682745858,"channel":0,"num_words":76,"start":325.74002,"end":346.415},{"sentences":[{"text":"It is competitive when it comes to prices and features and availability with investment.","start":346.635,"end":352.01498,"sentiment":"positive","sentiment_score":0.42539776861667633},{"text":"I do use hub 24 for my personal super as well.","start":352.86002,"end":356.06,"sentiment":"positive","sentiment_score":0.4169170287522403},{"text":"So for the time being, I have recommended staying hub twenty four is doing really good for you and literally","start":356.06,"end":362.14,"sentiment":"positive","sentiment_score":0.6003532916307449}],"sentiment":"positive","sentiment_score":0.5010827091005113,"channel":0,"num_words":45,"start":346.635,"end":362.14},{"sentences":[{"text":"Yep.","start":361.88,"end":362.38,"sentiment":"positive","sentiment_score":0.414257287979126}],"sentiment":"positive","sentiment_score":0.414257287979126,"channel":1,"num_words":1,"start":361.88,"end":362.38},{"sentences":[{"text":"just changing a couple of investments.","start":362.14,"end":364.08002,"sentiment":"neutral","sentiment_score":0.2655935361981392}],"sentiment":"neutral","sentiment_score":0.2655935361981392,"channel":0,"num_words":6,"start":362.14,"end":364.08002},{"sentences":[{"text":"Yep.","start":365.845,"end":366.345,"sentiment":"neutral","sentiment_score":0.13978645205497742}],"sentiment":"neutral","sentiment_score":0.13978645205497742,"channel":1,"num_words":1,"start":365.845,"end":366.345},{"sentences":[{"text":"Now what that actually looks like from a projection point of view, if you can scroll down because it's sometimes easier to look at this first to page 17, it should say the comparison table.","start":366.235,"end":378.635,"sentiment":"neutral","sentiment_score":0.10344808005860874},{"text":"Can you see that?","start":378.635,"end":379.695,"sentiment":"neutral","sentiment_score":0.09516811929643154}],"sentiment":"neutral","sentiment_score":0.10259885331377006,"channel":0,"num_words":39,"start":366.235,"end":379.695},{"sentences":[{"text":"Yes.","start":380.325,"end":380.7,"sentiment":"neutral","sentiment_score":0.1171734780073166}],"sentiment":"neutral","sentiment_score":0.1171734780073166,"channel":1,"num_words":1,"start":380.325,"end":380.7},{"sentences":[{"text":"Yep.","start":381.34998,"end":381.75,"sentiment":"neutral","sentiment_score":0.13397780060768127},{"text":"Perfect.","start":381.75,"end":382.25,"sentiment":"neutral","sentiment_score":0.08012941479682922},{"text":"Now this is basically so a couple of the pages that you did scroll through, it just basically puts it all into Word, but I often find that looking at it here is sometimes a bit easier.","start":382.47,"end":391.77,"sentiment":"neutral","sentiment_score":0.22394984759188988},{"text":"So you can see your current position.","start":392.405,"end":394.345,"sentiment":"neutral","sentiment_score":0.32907826559884207},{"text":"You can see your total cost currently, and then you can also see the three year rolling average on your current portfolio.","start":394.565,"end":402.185,"sentiment":"neutral","sentiment_score":0.2465265840291977}],"sentiment":"neutral","sentiment_score":0.23863800417851,"channel":0,"num_words":68,"start":381.34998,"end":402.185},{"sentences":[{"text":"Now on the other side, you can see recommended.","start":403.525,"end":405.785,"sentiment":"neutral","sentiment_score":0.19792395995722878},{"text":"So like I said, I have recommended staying in hub twenty four literally just changing investments.","start":407.22,"end":411.40002,"sentiment":"positive","sentiment_score":0.4007057063281536},{"text":"So not changing insurances or contributions or anything like that, just your investment.","start":411.46002,"end":416.68002,"sentiment":"neutral","sentiment_score":0.28673347257650816},{"text":"And you can see by just taking the investment, the total cost is actually saving you about $474 in investment fees a lot, which I thought was pretty good.","start":416.90002,"end":430.435,"sentiment":"positive","sentiment_score":0.6705825709063431},{"text":"Yeah.","start":430.435,"end":430.935,"sentiment":"neutral","sentiment_score":0.29664576053619385}],"sentiment":"positive","sentiment_score":0.465642388252651,"channel":0,"num_words":68,"start":403.525,"end":430.935},{"sentences":[{"text":"Now","start":431.555,"end":431.795,"sentiment":"neutral","sentiment_score":0.3291280269622803}],"sentiment":"neutral","sentiment_score":0.3291280269622803,"channel":0,"num_words":1,"start":431.555,"end":431.795},{"sentences":[{"text":"Yep.","start":431.565,"end":432.065,"sentiment":"positive","sentiment_score":0.3391690254211426}],"sentiment":"positive","sentiment_score":0.3391690254211426,"channel":1,"num_words":1,"start":431.565,"end":432.065},{"sentences":[{"text":"I do also want to let you know we did obviously consider capital gains tax, wanting to minimize that as much as possible with the investment changes.","start":431.795,"end":440.41,"sentiment":"neutral","sentiment_score":0.19830750536035607},{"text":"And when we did do the research for at the time, there is no estimated capital gains tax, which is great.","start":440.94998,"end":447.93,"sentiment":"neutral","sentiment_score":0.276029381723631},{"text":"Now in terms of an investment return, you can see here that using the same three year rolling average, the new recommended portfolio has performed a little bit better at 17.32%.","start":450.215,"end":463.515,"sentiment":"positive","sentiment_score":0.43994976051392093},{"text":"Does Does that all make sense so far?","start":463.655,"end":465.31998,"sentiment":"neutral","sentiment_score":0.215856509283185}],"sentiment":"neutral","sentiment_score":0.30478407254164247,"channel":0,"num_words":87,"start":431.795,"end":465.31998},{"sentences":[{"text":"Yep.","start":465.91,"end":466.41,"sentiment":"neutral","sentiment_score":0.2452148199081421}],"sentiment":"neutral","sentiment_score":0.2452148199081421,"channel":1,"num_words":1,"start":465.91,"end":466.41},{"sentences":[{"text":"Perfect.","start":466.97998,"end":467.46,"sentiment":"positive","sentiment_score":0.4665316939353943},{"text":"Now if you scroll down one page for me, you can actually see I have this projected that forward for five and ten years to","start":467.46,"end":473.93997,"sentiment":"neutral","sentiment_score":0.20419135093688964}],"sentiment":"neutral","sentiment_score":0.21428136412913984,"channel":0,"num_words":26,"start":466.97998,"end":473.93997},{"sentences":[{"text":"Ten","start":473.75,"end":474.07,"sentiment":"neutral","sentiment_score":0.15152579545974731}],"sentiment":"neutral","sentiment_score":0.15152579545974731,"channel":1,"num_words":1,"start":473.75,"end":474.07},{"sentences":[{"text":"show","start":473.93997,"end":474.18,"sentiment":"neutral","sentiment_score":0.11121848970651628}],"sentiment":"neutral","sentiment_score":0.11121848970651628,"channel":0,"num_words":1,"start":473.93997,"end":474.18},{"sentences":[{"text":"years.","start":474.07,"end":474.31003,"sentiment":"neutral","sentiment_score":0.12555935978889465}],"sentiment":"neutral","sentiment_score":0.12555935978889465,"channel":1,"num_words":1,"start":474.07,"end":474.31003},{"sentences":[{"text":"you","start":474.18,"end":474.68,"sentiment":"neutral","sentiment_score":0.12987518310546875}],"sentiment":"neutral","sentiment_score":0.12987518310546875,"channel":0,"num_words":1,"start":474.18,"end":474.68},{"sentences":[{"text":"Yep.","start":474.31003,"end":474.81003,"sentiment":"neutral","sentiment_score":0.2239249050617218}],"sentiment":"neutral","sentiment_score":0.2239249050617218,"channel":1,"num_words":1,"start":474.31003,"end":474.81003},{"sentences":[{"text":"kind of, yeah, the compounding difference, which just shows you as well that just making a couple of changes, reducing fees a little bit, and improving those returns, it does make a pretty big difference when we're kind of compounding that forward for you.","start":474.74,"end":488.015,"sentiment":"positive","sentiment_score":0.4123453199863434},{"text":"And you can also see I have included a bit more on the return, so I show you more so parents as well.","start":489.69,"end":495.61,"sentiment":"neutral","sentiment_score":0.20979558644087418},{"text":"So the twelve month period, which you can see is a pretty big difference.","start":495.61,"end":498.50998,"sentiment":"neutral","sentiment_score":0.2642917207309178},{"text":"Obviously, three years is also improved, and then five years in the recommended.","start":499.21,"end":504.725,"sentiment":"neutral","sentiment_score":0.24046402825759008},{"text":"Now some of the investments in your current one, haven't been around for five years, so I couldn't give you the five year for that.","start":504.86502,"end":511.42502,"sentiment":"neutral","sentiment_score":-0.19322458952665328}],"sentiment":"neutral","sentiment_score":0.2097814645962555,"channel":0,"num_words":119,"start":474.74,"end":511.42502},{"sentences":[{"text":"So that's why we've used the three years as a comparison, But I just wanted","start":511.42502,"end":515.2,"sentiment":"neutral","sentiment_score":0.11679889261722565}],"sentiment":"neutral","sentiment_score":0.11679889261722565,"channel":0,"num_words":15,"start":511.42502,"end":515.2},{"sentences":[{"text":"Yep.","start":514.975,"end":515.475,"sentiment":"neutral","sentiment_score":0.3042028546333313}],"sentiment":"neutral","sentiment_score":0.3042028546333313,"channel":1,"num_words":1,"start":514.975,"end":515.475},{"sentences":[{"text":"to show you a little bit more as well on the recommended return set.","start":515.2,"end":518.82,"sentiment":"positive","sentiment_score":0.4104822448321751}],"sentiment":"positive","sentiment_score":0.4104822448321751,"channel":0,"num_words":14,"start":515.2,"end":518.82},{"sentences":[{"text":"Yep.","start":519.49005,"end":519.99005,"sentiment":"neutral","sentiment_score":0.31396785378456116}],"sentiment":"neutral","sentiment_score":0.31396785378456116,"channel":1,"num_words":1,"start":519.49005,"end":519.99005},{"sentences":[{"text":"All makes sense as far as well?","start":520.16,"end":521.44,"sentiment":"positive","sentiment_score":0.4625616031033652},{"text":"Pretty straightforward?","start":521.44,"end":522.26,"sentiment":"positive","sentiment_score":0.5036303102970123}],"sentiment":"positive","sentiment_score":0.47168798247973126,"channel":0,"num_words":9,"start":520.16,"end":522.26},{"sentences":[{"text":"Yep.","start":522.13,"end":522.63,"sentiment":"neutral","sentiment_score":0.2406468391418457}],"sentiment":"neutral","sentiment_score":0.2406468391418457,"channel":1,"num_words":1,"start":522.13,"end":522.63},{"sentences":[{"text":"Yeah.","start":522.96,"end":523.44,"sentiment":"positive","sentiment_score":0.418030321598053},{"text":"Perfect.","start":523.44,"end":523.94,"sentiment":"positive","sentiment_score":0.569859504699707},{"text":"Now if you can scroll up for me to page 16, you should","start":524.48,"end":531.115,"sentiment":"neutral","sentiment_score":0.18386970460414886}],"sentiment":"neutral","sentiment_score":0.22521306574344635,"channel":0,"num_words":15,"start":522.96,"end":531.115},{"sentences":[{"text":"Yep.","start":531.09,"end":531.585,"sentiment":"neutral","sentiment_score":0.11962294578552246}],"sentiment":"neutral","sentiment_score":0.11962294578552246,"channel":1,"num_words":1,"start":531.09,"end":531.585},{"sentences":[{"text":"see a, like, a asset allocation table and a pie chart.","start":531.115,"end":534.41504,"sentiment":"neutral","sentiment_score":0.1610786115581339}],"sentiment":"neutral","sentiment_score":0.1610786115581339,"channel":0,"num_words":11,"start":531.115,"end":534.41504},{"sentences":[{"text":"Yep.","start":535.025,"end":535.525,"sentiment":"neutral","sentiment_score":0.13055410981178284}],"sentiment":"neutral","sentiment_score":0.13055410981178284,"channel":1,"num_words":1,"start":535.025,"end":535.525},{"sentences":[{"text":"Yep.","start":535.755,"end":536.155,"sentiment":"neutral","sentiment_score":0.2112938761711121},{"text":"Perfect.","start":536.155,"end":536.655,"sentiment":"positive","sentiment_score":0.46001213788986206},{"text":"Now this just shows you your risk profile.","start":536.955,"end":539.275,"sentiment":"neutral","sentiment_score":0.18566299974918365},{"text":"So you can see in the second column, risk profile, aiming for that about nine to 10 allocation, existing, and then also the proposed.","start":539.275,"end":548.63,"sentiment":"neutral","sentiment_score":0.1890372938166062},{"text":"So you can see that both the existing and proposed are very much aligned with your risk profile.","start":548.85,"end":554.07,"sentiment":"neutral","sentiment_score":0.31265683141019607}],"sentiment":"neutral","sentiment_score":0.23694861594301003,"channel":0,"num_words":52,"start":535.755,"end":554.07},{"sentences":[{"text":"You do have a little bit more growth in the proposed.","start":554.53,"end":557.27,"sentiment":"neutral","sentiment_score":0.13840638372031125},{"text":"Still have some defensive, though, to limit those fluctuations.","start":557.97504,"end":560.875,"sentiment":"neutral","sentiment_score":0.03882258550988303},{"text":"Makes sense?","start":563.255,"end":563.995,"sentiment":"neutral","sentiment_score":0.09535685926675797}],"sentiment":"neutral","sentiment_score":0.09375396404754031,"channel":0,"num_words":22,"start":554.53,"end":563.995},{"sentences":[{"text":"Yep.","start":564.41504,"end":564.91504,"sentiment":"neutral","sentiment_score":0.12146537005901337}],"sentiment":"neutral","sentiment_score":0.12146537005901337,"channel":1,"num_words":1,"start":564.41504,"end":564.91504},{"sentences":[{"text":"Yep.","start":565.09503,"end":565.495,"sentiment":"neutral","sentiment_score":0.2370990812778473},{"text":"Beautiful.","start":565.495,"end":565.995,"sentiment":"positive","sentiment_score":0.5541666150093079},{"text":"And what that actually looks like in terms of the investment changes for you is if you can scroll up to page 15.","start":566.455,"end":572.715,"sentiment":"neutral","sentiment_score":0.1280123257766599},{"text":"Yep.","start":576.17004,"end":576.57,"sentiment":"neutral","sentiment_score":0.060400690883398056},{"text":"Now this might look a little bit messy, but what","start":576.57,"end":578.73004,"sentiment":"neutral","sentiment_score":0.01123951729387045}],"sentiment":"neutral","sentiment_score":0.10856514036034544,"channel":0,"num_words":36,"start":565.09503,"end":578.73004},{"sentences":[{"text":"15.","start":578.51,"end":579.01,"sentiment":"neutral","sentiment_score":0.06806186586618423}],"sentiment":"neutral","sentiment_score":0.06806186586618423,"channel":1,"num_words":1,"start":578.51,"end":579.01},{"sentences":[{"text":"it basically","start":578.73004,"end":579.37,"sentiment":"neutral","sentiment_score":0.07103341072797775}],"sentiment":"neutral","sentiment_score":0.07103341072797775,"channel":0,"num_words":2,"start":578.73004,"end":579.37},{"sentences":[{"text":"Yep.","start":579.07,"end":579.57,"sentiment":"neutral","sentiment_score":0.09236188977956772}],"sentiment":"neutral","sentiment_score":0.09236188977956772,"channel":1,"num_words":1,"start":579.07,"end":579.57},{"sentences":[{"text":"shows you, it shows you all the investments.","start":579.37,"end":581.23004,"sentiment":"neutral","sentiment_score":0.11814767587929964},{"text":"It also shows you your current weight in them.","start":581.61005,"end":584.43,"sentiment":"neutral","sentiment_score":0.10855070832702848},{"text":"You can see that you have some in a couple, and then, like, the bottom one where it's zero, you don't have anything at the moment.","start":584.73004,"end":590.825,"sentiment":"neutral","sentiment_score":0.05164753495214077},{"text":"What that looks like in terms of the balance and then the buy and sell column.","start":591.445,"end":595.765,"sentiment":"neutral","sentiment_score":0.06683480204083025},{"text":"So this is the one where everything that is in red is what we are selling.","start":595.765,"end":600.745,"sentiment":"neutral","sentiment_score":0.08647089404985309}],"sentiment":"neutral","sentiment_score":0.0762381977091233,"channel":0,"num_words":75,"start":579.37,"end":600.745},{"sentences":[{"text":"What is in black is either what we are keeping in your portfolio or then adding to your portfolio.","start":601.64,"end":608.38,"sentiment":"neutral","sentiment_score":0.055318185765492286}],"sentiment":"neutral","sentiment_score":0.055318185765492286,"channel":0,"num_words":19,"start":601.64,"end":608.38},{"sentences":[{"text":"Yep.","start":610.14,"end":610.64,"sentiment":"neutral","sentiment_score":0.10541427135467528}],"sentiment":"neutral","sentiment_score":0.10541427135467528,"channel":1,"num_words":1,"start":610.14,"end":610.64},{"sentences":[{"text":"Then you have the target weight, so what we are aiming for and what that looks like in terms of the dollar value.","start":610.44,"end":616.54004,"sentiment":"neutral","sentiment_score":0.1415008134816004},{"text":"So, essentially, to try to summarize that for you, we are making a couple of changes.","start":616.715,"end":622.015,"sentiment":"neutral","sentiment_score":0.1415960220620036},{"text":"The investments of loss, everything stays the same.","start":622.155,"end":625.195,"sentiment":"neutral","sentiment_score":0.11161557398736477},{"text":"We are still aiming for that core satellite approach to investment where we do see majority of your funds invested in what we call your core investment.","start":625.195,"end":634.19995,"sentiment":"neutral","sentiment_score":0.1913572650540758},{"text":"So one of that that's, like, your biggest shareholding.","start":635.06,"end":637.63995,"sentiment":"neutral","sentiment_score":0.17119137114948696}],"sentiment":"neutral","sentiment_score":0.1580764837563038,"channel":0,"num_words":83,"start":610.44,"end":637.63995},{"sentences":[{"text":"So you can see, for example, the 35% in the iShares S and P 500.","start":637.86,"end":643.31995,"sentiment":"neutral","sentiment_score":0.24241574505964916},{"text":"We are still keeping that in your portfolio.","start":644.055,"end":646.055,"sentiment":"positive","sentiment_score":0.5067965947091579},{"text":"It's doing really well, just increasing that exposure a little bit for you.","start":646.055,"end":650.395,"sentiment":"positive","sentiment_score":0.6043146711129409},{"text":"You can then also see the 25% for beta shares Australia 200.","start":652.055,"end":657.59503,"sentiment":"neutral","sentiment_score":0.1762828752398491},{"text":"Now this is the one we've kind of changed for that Benelon Australian equity that was underperforming a little bit.","start":658.19,"end":663.87,"sentiment":"neutral","sentiment_score":0.05050628073513508}],"sentiment":"neutral","sentiment_score":0.2745914672884871,"channel":0,"num_words":68,"start":637.86,"end":663.87},{"sentences":[{"text":"So we also want to","start":663.87,"end":664.82996,"sentiment":"neutral","sentiment_score":0.06285253465175629}],"sentiment":"neutral","sentiment_score":0.06285253465175629,"channel":0,"num_words":5,"start":663.87,"end":664.82996},{"sentences":[{"text":"Yeah.","start":664.76,"end":665.26,"sentiment":"neutral","sentiment_score":0.06028483808040619}],"sentiment":"neutral","sentiment_score":0.06028483808040619,"channel":1,"num_words":1,"start":664.76,"end":665.26},{"sentences":[{"text":"make sure you have some exposure to the Australian market.","start":664.82996,"end":667.31,"sentiment":"neutral","sentiment_score":0.06225301623344422},{"text":"We don't want everything just overseas.","start":667.31,"end":669.01,"sentiment":"neutral","sentiment_score":-0.04701691182951132},{"text":"So 25% in this one, and that one basically invests in the 200 largest companies listed on the ASX.","start":669.87,"end":677.54504,"sentiment":"neutral","sentiment_score":0.12230865265193738},{"text":"So here in Australia, you'll have all the companies like BHP and Woolworths.","start":677.54504,"end":682.205,"sentiment":"neutral","sentiment_score":0.1481944632071715},{"text":"So all the kind of big Commonwealth or, like, the big companies.","start":683.065,"end":686.04504,"sentiment":"neutral","sentiment_score":0.15303987078368664}],"sentiment":"neutral","sentiment_score":0.10712165938069423,"channel":0,"num_words":60,"start":664.82996,"end":686.04504},{"sentences":[{"text":"So still very diversified for you.","start":686.10504,"end":688.35,"sentiment":"positive","sentiment_score":0.34984907259543735}],"sentiment":"positive","sentiment_score":0.34984907259543735,"channel":0,"num_words":6,"start":686.10504,"end":688.35},{"sentences":[{"text":"Yep.","start":688.945,"end":689.43,"sentiment":"neutral","sentiment_score":0.23903974890708923}],"sentiment":"neutral","sentiment_score":0.23903974890708923,"channel":1,"num_words":1,"start":688.945,"end":689.43},{"sentences":[{"text":"The other investments we have switched out is what we call your satellite investments.","start":689.79,"end":693.88995,"sentiment":"neutral","sentiment_score":0.14173464796372823},{"text":"Now these can be a little bit more volatile or fluctuate a little bit more, and that's why they only represent a smaller portion of your portfolio.","start":694.11,"end":703.425,"sentiment":"neutral","sentiment_score":0.08066218304965231},{"text":"The these are the ones that can give you the most amount of growth as well.","start":703.645,"end":707.185,"sentiment":"positive","sentiment_score":0.39558751322329044},{"text":"So you can see we are still keeping gold in your portfolio as a defensive.","start":707.885,"end":712.385,"sentiment":"positive","sentiment_score":0.4323290288448334},{"text":"It's doing really well, so you wanna keep that in your portfolio.","start":712.525,"end":716.145,"sentiment":"positive","sentiment_score":0.5200111791491508}],"sentiment":"neutral","sentiment_score":0.2763884977127115,"channel":0,"num_words":84,"start":689.79,"end":716.145},{"sentences":[{"text":"We also have 5% in a fixed interest.","start":716.97,"end":719.85,"sentiment":"neutral","sentiment_score":0.21494900435209274},{"text":"Again, wanna make sure we have some defensive components to your portfolio.","start":719.85,"end":724.02997,"sentiment":"neutral","sentiment_score":0.22248737017313638},{"text":"But,","start":724.88995,"end":725.13,"sentiment":"neutral","sentiment_score":0.12134218215942384}],"sentiment":"neutral","sentiment_score":0.21479917424065725,"channel":0,"num_words":21,"start":716.97,"end":725.13},{"sentences":[{"text":"Yep.","start":725.07,"end":725.57,"sentiment":"neutral","sentiment_score":0.12809301912784576}],"sentiment":"neutral","sentiment_score":0.12809301912784576,"channel":1,"num_words":1,"start":725.07,"end":725.57},{"sentences":[{"text":"otherwise, in terms of the satellite investments, we have 9% invested in Europe.","start":725.13,"end":730.49,"sentiment":"neutral","sentiment_score":0.16308058970249617},{"text":"You can see see it there for you.","start":730.49,"end":732.65497,"sentiment":"neutral","sentiment_score":0.2006218098104},{"text":"So, again, very diversified all across Europe.","start":732.65497,"end":735.95496,"sentiment":"neutral","sentiment_score":0.28640198707580566},{"text":"You have 5% in Japan.","start":736.01495,"end":738.115,"sentiment":"neutral","sentiment_score":0.175444196164608},{"text":"Then you have 8% in Vanguard or World.","start":739.375,"end":743.055,"sentiment":"neutral","sentiment_score":0.12587481085211039}],"sentiment":"neutral","sentiment_score":0.18570867126307836,"channel":0,"num_words":41,"start":725.13,"end":743.055},{"sentences":[{"text":"You may have heard of Vanguard before.","start":743.055,"end":744.89496,"sentiment":"neutral","sentiment_score":0.0490766992526395},{"text":"They're they're quite big.","start":744.89496,"end":746.19495,"sentiment":"neutral","sentiment_score":0.1332911252975464}],"sentiment":"neutral","sentiment_score":0.07970012690533292,"channel":0,"num_words":11,"start":743.055,"end":746.19495},{"sentences":[{"text":"Yes.","start":745.895,"end":746.22,"sentiment":"neutral","sentiment_score":0.17444679141044617}],"sentiment":"neutral","sentiment_score":0.17444679141044617,"channel":1,"num_words":1,"start":745.895,"end":746.22},{"sentences":[{"text":"Yeah.","start":746.81,"end":747.21,"sentiment":"neutral","sentiment_score":0.18892425298690796}],"sentiment":"neutral","sentiment_score":0.18892425298690796,"channel":0,"num_words":1,"start":746.81,"end":747.21},{"sentences":[{"text":"Yep.","start":746.93994,"end":747.43994,"sentiment":"neutral","sentiment_score":0.2781866490840912}],"sentiment":"neutral","sentiment_score":0.2781866490840912,"channel":1,"num_words":1,"start":746.93994,"end":747.43994},{"sentences":[{"text":"Perfect.","start":747.21,"end":747.71,"sentiment":"neutral","sentiment_score":0.021878885105252262},{"text":"But this one here, it invests all around the world, but it does exclude The US because you already have exposures to The US market in that iShares S and P 500, and we don't want too much in one area either.","start":748.17,"end":762.225,"sentiment":"neutral","sentiment_score":-0.06027929977114711},{"text":"Does that make","start":762.225,"end":763.20496,"sentiment":"neutral","sentiment_score":0.04446199660499891}],"sentiment":"neutral","sentiment_score":-0.0516622981623463,"channel":0,"num_words":46,"start":747.21,"end":763.20496},{"sentences":[{"text":"Yep.","start":763.015,"end":763.515,"sentiment":"neutral","sentiment_score":0.030367320403456688}],"sentiment":"neutral","sentiment_score":0.030367320403456688,"channel":1,"num_words":1,"start":763.015,"end":763.515},{"sentences":[{"text":"sense?","start":763.30493,"end":763.80493,"sentiment":"neutral","sentiment_score":0.0502832755446434}],"sentiment":"neutral","sentiment_score":0.0502832755446434,"channel":0,"num_words":1,"start":763.30493,"end":763.80493},{"sentences":[{"text":"Yep.","start":763.895,"end":764.395,"sentiment":"neutral","sentiment_score":0.10017198324203493}],"sentiment":"neutral","sentiment_score":0.10017198324203493,"channel":1,"num_words":1,"start":763.895,"end":764.395},{"sentences":[{"text":"Yep.","start":763.90497,"end":764.305,"sentiment":"neutral","sentiment_score":0.24655060470104215},{"text":"Perfect.","start":764.305,"end":764.805,"sentiment":"positive","sentiment_score":0.6157004833221436},{"text":"And that is essentially the changes on the investments.","start":765.345,"end":768.32495,"sentiment":"neutral","sentiment_score":0.30108965933322906},{"text":"So if you would like to go ahead and, you know, read a bit more on the investments as well, in that appendix I mentioned earlier sorry.","start":769.02496,"end":776.57,"sentiment":"neutral","sentiment_score":0.19863133808528935},{"text":"In the attachment to the email, I have included investment link to these investments.","start":776.57,"end":781.79,"sentiment":"neutral","sentiment_score":0.17715423021997725}],"sentiment":"neutral","sentiment_score":0.21952429564239886,"channel":0,"num_words":52,"start":763.90497,"end":781.79},{"sentences":[{"text":"So if it is that you do wanna go back and have a bit of a read over them, that is all in there for you.","start":782.01,"end":787.065,"sentiment":"neutral","sentiment_score":0.30444113050515836}],"sentiment":"neutral","sentiment_score":0.30444113050515836,"channel":0,"num_words":26,"start":782.01,"end":787.065},{"sentences":[{"text":"Yeah.","start":787.2,"end":787.7,"sentiment":"neutral","sentiment_score":0.13651172816753387},{"text":"Yeah.","start":787.76,"end":788.26,"sentiment":"neutral","sentiment_score":0.10686216503381728},{"text":"Okay.","start":788.4,"end":788.9,"sentiment":"neutral","sentiment_score":0.08154662698507309}],"sentiment":"neutral","sentiment_score":0.10830684006214142,"channel":1,"num_words":3,"start":787.2,"end":788.9},{"sentences":[{"text":"Now the the last thing I do wanna just touch on is the fee.","start":788.985,"end":793.565,"sentiment":"neutral","sentiment_score":0.03845811315945217},{"text":"So if you scroll down to page 21 for me,","start":793.945,"end":797.485,"sentiment":"neutral","sentiment_score":0.030979490838944912}],"sentiment":"neutral","sentiment_score":0.03534202052590748,"channel":0,"num_words":24,"start":788.985,"end":797.485},{"sentences":[{"text":"One second.","start":799.245,"end":799.805,"sentiment":"neutral","sentiment_score":0.01589281391352415},{"text":"Page 21.","start":799.805,"end":801.185,"sentiment":"neutral","sentiment_score":0.020661309361457825},{"text":"Yep.","start":803.245,"end":803.745,"sentiment":"neutral","sentiment_score":0.1238366961479187}],"sentiment":"neutral","sentiment_score":0.03938898853957653,"channel":1,"num_words":5,"start":799.245,"end":803.745},{"sentences":[{"text":"Yep.","start":804.2,"end":804.60004,"sentiment":"neutral","sentiment_score":0.24233195185661316},{"text":"Perfect.","start":804.60004,"end":805.10004,"sentiment":"positive","sentiment_score":0.4948493540287018},{"text":"So, basically, it just shows you the fee structure again.","start":805.72003,"end":808.52,"sentiment":"neutral","sentiment_score":0.2147755354642868},{"text":"Now like I mentioned during the annual review, there is no changes whatsoever in regards to the fee structure.","start":808.52,"end":814.06,"sentiment":"neutral","sentiment_score":0.09421842309989427},{"text":"It stays reduced at that 1.1 from superannuation.","start":814.64496,"end":817.945,"sentiment":"neutral","sentiment_score":0.16639430448412895}],"sentiment":"neutral","sentiment_score":0.1540061829563899,"channel":0,"num_words":39,"start":804.2,"end":817.945},{"sentences":[{"text":"No changes in regards to that.","start":818.725,"end":821.14496,"sentiment":"neutral","sentiment_score":0.0256973293920358},{"text":"And I have also just included your premium.","start":821.445,"end":825.625,"sentiment":"neutral","sentiment_score":0.24768675491213799},{"text":"Now just for your reference as well, every time, with insurances, we do get commissions, and that is 22% ongoing.","start":825.765,"end":833.92004,"sentiment":"neutral","sentiment_score":0.18909574523568154},{"text":"Now that","start":834.7,"end":835.18005,"sentiment":"neutral","sentiment_score":0.03351903706789017}],"sentiment":"neutral","sentiment_score":0.16623974984718692,"channel":0,"num_words":36,"start":818.725,"end":835.18005},{"sentences":[{"text":"Yep.","start":835.00995,"end":835.50995,"sentiment":"neutral","sentiment_score":0.031692326068878174}],"sentiment":"neutral","sentiment_score":0.031692326068878174,"channel":1,"num_words":1,"start":835.00995,"end":835.50995},{"sentences":[{"text":"is tile paying us, though.","start":835.18005,"end":836.7,"sentiment":"neutral","sentiment_score":-0.009137339890003204},{"text":"It is not you paying us, and it is the same for every single insurer provider, for every single adviser.","start":836.7,"end":842.16003,"sentiment":"neutral","sentiment_score":0.004555167257785797},{"text":"So it doesn't sway us in, like, any way to recommend one provider over the other.","start":842.615,"end":847.175,"sentiment":"neutral","sentiment_score":-0.04402003437280655}],"sentiment":"neutral","sentiment_score":-0.016070826933151337,"channel":0,"num_words":41,"start":835.18005,"end":847.175},{"sentences":[{"text":"Yep.","start":846.90497,"end":847.40497,"sentiment":"neutral","sentiment_score":0.06252419948577881}],"sentiment":"neutral","sentiment_score":0.06252419948577881,"channel":1,"num_words":1,"start":846.90497,"end":847.40497},{"sentences":[{"text":"But for compliances, we have to disclose any commissions we receive so that you are fully aware.","start":847.175,"end":851.89496,"sentiment":"neutral","sentiment_score":0.05500222632990164},{"text":"Does that all make","start":851.89496,"end":852.69495,"sentiment":"neutral","sentiment_score":0.09685903415083885}],"sentiment":"neutral","sentiment_score":0.06297495162912778,"channel":0,"num_words":21,"start":847.175,"end":852.69495},{"sentences":[{"text":"Yep.","start":852.58496,"end":853.08496,"sentiment":"neutral","sentiment_score":0.07310691475868225}],"sentiment":"neutral","sentiment_score":0.07310691475868225,"channel":1,"num_words":1,"start":852.58496,"end":853.08496},{"sentences":[{"text":"sense?","start":852.69495,"end":853.19495,"sentiment":"neutral","sentiment_score":0.074501171708107}],"sentiment":"neutral","sentiment_score":0.074501171708107,"channel":0,"num_words":1,"start":852.69495,"end":853.19495},{"sentences":[{"text":"Makes","start":853.46497,"end":853.865,"sentiment":"neutral","sentiment_score":0.13161469995975494}],"sentiment":"neutral","sentiment_score":0.13161469995975494,"channel":1,"num_words":1,"start":853.46497,"end":853.865},{"sentences":[{"text":"Yep.","start":853.815,"end":854.21497,"sentiment":"neutral","sentiment_score":0.10083453357219696}],"sentiment":"neutral","sentiment_score":0.10083453357219696,"channel":0,"num_words":1,"start":853.815,"end":854.21497},{"sentences":[{"text":"sense.","start":853.865,"end":854.185,"sentiment":"neutral","sentiment_score":0.1265798807144165},{"text":"Yep.","start":854.185,"end":854.685,"sentiment":"neutral","sentiment_score":0.18140845000743863}],"sentiment":"neutral","sentiment_score":0.15399416536092758,"channel":1,"num_words":2,"start":853.865,"end":854.685},{"sentences":[{"text":"Perfect.","start":854.21497,"end":854.71497,"sentiment":"positive","sentiment_score":0.45927894115448},{"text":"And that was essentially everything today, Emmy.","start":855.34,"end":857.82,"sentiment":"neutral","sentiment_score":0.3197006285190582},{"text":"So like I said, pretty straightforward, keeping you in Hub 24, just changing some of those investments around, reducing those","start":857.82,"end":865.34,"sentiment":"neutral","sentiment_score":0.18694893978536128}],"sentiment":"neutral","sentiment_score":0.22986293344625405,"channel":0,"num_words":28,"start":854.21497,"end":865.34},{"sentences":[{"text":"Yeah.","start":865.05,"end":865.55,"sentiment":"neutral","sentiment_score":0.016601432114839554}],"sentiment":"neutral","sentiment_score":0.016601432114839554,"channel":1,"num_words":1,"start":865.05,"end":865.55},{"sentences":[{"text":"fees a little bit, and improving the returns.","start":865.34,"end":868.08,"sentiment":"positive","sentiment_score":0.4690852649509907},{"text":"No estimate of capital gains, which is good.","start":868.38,"end":870.915,"sentiment":"positive","sentiment_score":0.5202261544764042},{"text":"Do you have any questions, or what are your thoughts on this?","start":871.795,"end":874.77496,"sentiment":"neutral","sentiment_score":0.1709063040713469}],"sentiment":"positive","sentiment_score":0.35590596443840433,"channel":0,"num_words":28,"start":865.34,"end":874.77496},{"sentences":[{"text":"Not not any immediate questions.","start":876.465,"end":878.465,"sentiment":"neutral","sentiment_score":-0.17086161673069},{"text":"I think I do need to have a read through a bit further.","start":878.465,"end":881.605,"sentiment":"neutral","sentiment_score":-0.22494935530882615}],"sentiment":"neutral","sentiment_score":-0.2099249834815661,"channel":1,"num_words":18,"start":876.465,"end":881.605},{"sentences":[{"text":"Yes.","start":882.035,"end":882.535,"sentiment":"neutral","sentiment_score":0.01199602708220482},{"text":"Of course.","start":882.595,"end":883.33496,"sentiment":"neutral","sentiment_score":0.022312652319669724}],"sentiment":"neutral","sentiment_score":0.018873777240514755,"channel":0,"num_words":3,"start":882.035,"end":883.33496},{"sentences":[{"text":"Yeah.","start":883.905,"end":884.405,"sentiment":"neutral","sentiment_score":0.026005472987890244},{"text":"Do you","start":884.66003,"end":884.98004,"sentiment":"neutral","sentiment_score":0.018291572108864784}],"sentiment":"neutral","sentiment_score":0.020862872401873272,"channel":1,"num_words":3,"start":883.905,"end":884.98004},{"sentences":[{"text":"Yeah.","start":884.95,"end":885.35004,"sentiment":"neutral","sentiment_score":0.019452955573797222}],"sentiment":"neutral","sentiment_score":0.019452955573797222,"channel":0,"num_words":1,"start":884.95,"end":885.35004},{"sentences":[{"text":"actually","start":884.98004,"end":885.46,"sentiment":"neutral","sentiment_score":0.003650227561593056}],"sentiment":"neutral","sentiment_score":0.003650227561593056,"channel":1,"num_words":1,"start":884.98004,"end":885.46},{"sentences":[{"text":"Nope.","start":885.35004,"end":885.85004,"sentiment":"neutral","sentiment_score":-0.03704853355884552}],"sentiment":"neutral","sentiment_score":-0.03704853355884552,"channel":0,"num_words":1,"start":885.35004,"end":885.85004},{"sentences":[{"text":"know where I can download a PDF copy of this document that I was about to sign?","start":885.46,"end":892.10004,"sentiment":"neutral","sentiment_score":-0.007958970087416032},{"text":"I couldn't see any options on the on my page, but I'm not sure if I'm looking at the wrong place.","start":892.10004,"end":896.595,"sentiment":"neutral","sentiment_score":-0.13043072110130674}],"sentiment":"neutral","sentiment_score":-0.07564072722667142,"channel":1,"num_words":38,"start":885.46,"end":896.595},{"sentences":[{"text":"There should be one there.","start":897.125,"end":898.745,"sentiment":"neutral","sentiment_score":-0.04375537782907486},{"text":"But if you can't, I can just email it through you if you want.","start":899.125,"end":902.725,"sentiment":"neutral","sentiment_score":-0.00506343792325684},{"text":"I","start":902.725,"end":902.805,"sentiment":"neutral","sentiment_score":0.012923751957714558}],"sentiment":"neutral","sentiment_score":-0.013837063405662774,"channel":0,"num_words":20,"start":897.125,"end":902.805},{"sentences":[{"text":"Yes,","start":902.75494,"end":903.07495,"sentiment":"neutral","sentiment_score":0.03904169797897339}],"sentiment":"neutral","sentiment_score":0.03904169797897339,"channel":1,"num_words":1,"start":902.75494,"end":903.07495},{"sentences":[{"text":"can just","start":902.805,"end":903.20496,"sentiment":"neutral","sentiment_score":0.039979176595807076}],"sentiment":"neutral","sentiment_score":0.039979176595807076,"channel":0,"num_words":2,"start":902.805,"end":903.20496},{"sentences":[{"text":"please.","start":903.07495,"end":903.57495,"sentiment":"neutral","sentiment_score":0.04631689190864563}],"sentiment":"neutral","sentiment_score":0.04631689190864563,"channel":1,"num_words":1,"start":903.07495,"end":903.57495},{"sentences":[{"text":"email you a PDF version.","start":903.20496,"end":904.485,"sentiment":"neutral","sentiment_score":0.04225502908229828},{"text":"Yep.","start":904.485,"end":904.725,"sentiment":"neutral","sentiment_score":0.1296912282705307},{"text":"Perfect.","start":904.725,"end":905.125,"sentiment":"positive","sentiment_score":0.3420405387878418},{"text":"I'll","start":905.125,"end":905.285,"sentiment":"neutral","sentiment_score":0.18447113037109375}],"sentiment":"neutral","sentiment_score":0.1084347553551197,"channel":0,"num_words":8,"start":903.20496,"end":905.285},{"sentences":[{"text":"Yeah.","start":905.235,"end":905.735,"sentiment":"neutral","sentiment_score":0.16397351026535034}],"sentiment":"neutral","sentiment_score":0.16397351026535034,"channel":1,"num_words":1,"start":905.235,"end":905.735},{"sentences":[{"text":"attach","start":905.285,"end":905.785,"sentiment":"neutral","sentiment_score":0.11325597763061523}],"sentiment":"neutral","sentiment_score":0.11325597763061523,"channel":0,"num_words":1,"start":905.285,"end":905.785},{"sentences":[{"text":"Yeah.","start":905.795,"end":906.295,"sentiment":"neutral","sentiment_score":0.09672781825065611}],"sentiment":"neutral","sentiment_score":0.09672781825065611,"channel":1,"num_words":1,"start":905.795,"end":906.295},{"sentences":[{"text":"the appendix as well just if","start":905.845,"end":909.365,"sentiment":"neutral","sentiment_score":0.0992676205933094}],"sentiment":"neutral","sentiment_score":0.0992676205933094,"channel":0,"num_words":6,"start":905.845,"end":909.365},{"sentences":[{"text":"Yeah.","start":909.15497,"end":909.57,"sentiment":"neutral","sentiment_score":0.0319383442401886}],"sentiment":"neutral","sentiment_score":0.0319383442401886,"channel":1,"num_words":1,"start":909.15497,"end":909.57},{"sentences":[{"text":"if you can't","start":909.365,"end":910.165,"sentiment":"neutral","sentiment_score":-0.0007245862701286873}],"sentiment":"neutral","sentiment_score":-0.0007245862701286873,"channel":0,"num_words":3,"start":909.365,"end":910.165},{"sentences":[{"text":"Yeah.","start":910.05,"end":910.55,"sentiment":"neutral","sentiment_score":0.015061342157423496}],"sentiment":"neutral","sentiment_score":0.015061342157423496,"channel":1,"num_words":1,"start":910.05,"end":910.55},{"sentences":[{"text":"see it.","start":910.165,"end":910.82495,"sentiment":"neutral","sentiment_score":0.02517331205308437},{"text":"Now then, obviously, take some time.","start":911.83,"end":913.43,"sentiment":"neutral","sentiment_score":0.06929926636318366},{"text":"Have a bit of a read over it.","start":913.43,"end":915.03,"sentiment":"neutral","sentiment_score":0.11230631452053785},{"text":"If you have any questions at all, just give me a call.","start":915.03,"end":918.33,"sentiment":"neutral","sentiment_score":0.10314171140392621}],"sentiment":"neutral","sentiment_score":0.09293904554631029,"channel":0,"num_words":28,"start":910.165,"end":918.33},{"sentences":[{"text":"Yeah.","start":918.77,"end":919.27,"sentiment":"neutral","sentiment_score":0.318470299243927}],"sentiment":"neutral","sentiment_score":0.318470299243927,"channel":1,"num_words":1,"start":918.77,"end":919.27},{"sentences":[{"text":"If you do read through it and it all makes sense and you are happy with the recommendation to move forward, you would then be where you are currently.","start":918.79004,"end":926.57,"sentiment":"positive","sentiment_score":0.5185541335878701},{"text":"It","start":927.08496,"end":927.325,"sentiment":"neutral","sentiment_score":0.20286889374256137}],"sentiment":"positive","sentiment_score":0.5080312922596931,"channel":0,"num_words":30,"start":918.79004,"end":927.325},{"sentences":[{"text":"Yeah.","start":927.295,"end":927.615,"sentiment":"neutral","sentiment_score":0.2460568845272064}],"sentiment":"neutral","sentiment_score":0.2460568845272064,"channel":1,"num_words":1,"start":927.295,"end":927.615},{"sentences":[{"text":"will then","start":927.325,"end":927.64496,"sentiment":"neutral","sentiment_score":0.2545023560523987}],"sentiment":"neutral","sentiment_score":0.2545023560523987,"channel":0,"num_words":2,"start":927.325,"end":927.64496},{"sentences":[{"text":"I","start":927.615,"end":927.77496,"sentiment":"neutral","sentiment_score":0.2066245675086975}],"sentiment":"neutral","sentiment_score":0.2066245675086975,"channel":1,"num_words":1,"start":927.615,"end":927.77496},{"sentences":[{"text":"ask","start":927.64496,"end":927.885,"sentiment":"neutral","sentiment_score":0.21786783635616305}],"sentiment":"neutral","sentiment_score":0.21786783635616305,"channel":0,"num_words":1,"start":927.64496,"end":927.885},{"sentences":[{"text":"did","start":927.77496,"end":928.015,"sentiment":"neutral","sentiment_score":0.15886415541172028}],"sentiment":"neutral","sentiment_score":0.15886415541172028,"channel":1,"num_words":1,"start":927.77496,"end":928.015},{"sentences":[{"text":"you","start":927.885,"end":928.125,"sentiment":"neutral","sentiment_score":0.22192081809043884}],"sentiment":"neutral","sentiment_score":0.22192081809043884,"channel":0,"num_words":1,"start":927.885,"end":928.125},{"sentences":[{"text":"just","start":928.015,"end":928.335,"sentiment":"neutral","sentiment_score":0.19110918045043945}],"sentiment":"neutral","sentiment_score":0.19110918045043945,"channel":1,"num_words":1,"start":928.015,"end":928.335},{"sentences":[{"text":"to","start":928.125,"end":928.365,"sentiment":"neutral","sentiment_score":0.16892462968826294}],"sentiment":"neutral","sentiment_score":0.16892462968826294,"channel":0,"num_words":1,"start":928.125,"end":928.365},{"sentences":[{"text":"fine.","start":928.335,"end":928.835,"sentiment":"neutral","sentiment_score":0.17989805340766907}],"sentiment":"neutral","sentiment_score":0.17989805340766907,"channel":1,"num_words":1,"start":928.335,"end":928.835},{"sentences":[{"text":"add exactly once you've","start":928.365,"end":930.765,"sentiment":"neutral","sentiment_score":0.21969127282500267}],"sentiment":"neutral","sentiment_score":0.21969127282500267,"channel":0,"num_words":4,"start":928.365,"end":930.765},{"sentences":[{"text":"Yep.","start":930.735,"end":931.235,"sentiment":"neutral","sentiment_score":0.22107115387916565}],"sentiment":"neutral","sentiment_score":0.22107115387916565,"channel":1,"num_words":1,"start":930.735,"end":931.235},{"sentences":[{"text":"signed it and validated, it will send it back to me.","start":930.765,"end":933.245,"sentiment":"neutral","sentiment_score":0.2746895226565274},{"text":"I'll get notified that you want to go ahead, and we can put all that in force for you.","start":933.245,"end":937.745,"sentiment":"neutral","sentiment_score":0.3244938442581578},{"text":"But","start":938.125,"end":938.365,"sentiment":"neutral","sentiment_score":0.16243696212768555}],"sentiment":"neutral","sentiment_score":0.3015937016856286,"channel":0,"num_words":31,"start":930.765,"end":938.365},{"sentences":[{"text":"Yep.","start":938.335,"end":938.835,"sentiment":"neutral","sentiment_score":0.1639300286769867}],"sentiment":"neutral","sentiment_score":0.1639300286769867,"channel":1,"num_words":1,"start":938.335,"end":938.835},{"sentences":[{"text":"you do have a couple of more days to obviously have a read over everything.","start":938.365,"end":941.5,"sentiment":"neutral","sentiment_score":0.17714746296405792},{"text":"Make sure you are happy before signing anything.","start":941.5,"end":944.0,"sentiment":"neutral","sentiment_score":0.30208971351385117},{"text":"Just note that it does expire on Sunday.","start":944.54004,"end":949.04004,"sentiment":"neutral","sentiment_score":0.06569001683965325},{"text":"So you do have","start":949.18005,"end":949.98004,"sentiment":"neutral","sentiment_score":0.12561329267919064}],"sentiment":"neutral","sentiment_score":0.17434008451444763,"channel":0,"num_words":35,"start":938.365,"end":949.98004},{"sentences":[{"text":"Yep.","start":949.96,"end":950.04,"sentiment":"neutral","sentiment_score":0.10763539373874664}],"sentiment":"neutral","sentiment_score":0.10763539373874664,"channel":1,"num_words":1,"start":949.96,"end":950.04},{"sentences":[{"text":"this","start":949.98004,"end":950.22003,"sentiment":"neutral","sentiment_score":0.0942581593990326}],"sentiment":"neutral","sentiment_score":0.0942581593990326,"channel":0,"num_words":1,"start":949.98004,"end":950.22003},{"sentences":[{"text":"It","start":950.2,"end":950.28,"sentiment":"neutral","sentiment_score":0.07600821554660797}],"sentiment":"neutral","sentiment_score":0.07600821554660797,"channel":1,"num_words":1,"start":950.2,"end":950.28},{"sentences":[{"text":"week.","start":950.22003,"end":950.54004,"sentiment":"neutral","sentiment_score":0.07522356510162354}],"sentiment":"neutral","sentiment_score":0.07522356510162354,"channel":0,"num_words":1,"start":950.22003,"end":950.54004},{"sentences":[{"text":"should be","start":950.28,"end":950.68,"sentiment":"neutral","sentiment_score":0.06900879368185997}],"sentiment":"neutral","sentiment_score":0.06900879368185997,"channel":1,"num_words":2,"start":950.28,"end":950.68},{"sentences":[{"text":"Just","start":950.54004,"end":950.86005,"sentiment":"neutral","sentiment_score":0.06072868034243584}],"sentiment":"neutral","sentiment_score":0.06072868034243584,"channel":0,"num_words":1,"start":950.54004,"end":950.86005},{"sentences":[{"text":"done","start":950.68,"end":950.92,"sentiment":"neutral","sentiment_score":0.08277291059494019}],"sentiment":"neutral","sentiment_score":0.08277291059494019,"channel":1,"num_words":1,"start":950.68,"end":950.92},{"sentences":[{"text":"be","start":950.86005,"end":951.02,"sentiment":"neutral","sentiment_score":0.06578022986650467}],"sentiment":"neutral","sentiment_score":0.06578022986650467,"channel":0,"num_words":1,"start":950.86005,"end":951.02},{"sentences":[{"text":"by","start":950.92,"end":951.08,"sentiment":"neutral","sentiment_score":0.04588345065712929}],"sentiment":"neutral","sentiment_score":0.04588345065712929,"channel":1,"num_words":1,"start":950.92,"end":951.08},{"sentences":[{"text":"mindful.","start":951.02,"end":951.52,"sentiment":"neutral","sentiment_score":0.08580392599105835}],"sentiment":"neutral","sentiment_score":0.08580392599105835,"channel":0,"num_words":1,"start":951.02,"end":951.52},{"sentences":[{"text":"then.","start":951.08,"end":951.4,"sentiment":"neutral","sentiment_score":0.09348899126052856},{"text":"Yep.","start":951.4,"end":951.735,"sentiment":"neutral","sentiment_score":0.1012413427233696}],"sentiment":"neutral","sentiment_score":0.09736516699194908,"channel":1,"num_words":2,"start":951.08,"end":951.735},{"sentences":[{"text":"Okay.","start":951.98004,"end":952.46,"sentiment":"neutral","sentiment_score":0.20078659057617188},{"text":"Perfect.","start":952.46,"end":952.96,"sentiment":"positive","sentiment_score":0.3566664457321167}],"sentiment":"neutral","sentiment_score":0.2787265181541443,"channel":0,"num_words":2,"start":951.98004,"end":952.96},{"sentences":[{"text":"Yeah.","start":953.175,"end":953.675,"sentiment":"neutral","sentiment_score":0.25884705781936646}],"sentiment":"neutral","sentiment_score":0.25884705781936646,"channel":1,"num_words":1,"start":953.175,"end":953.675},{"sentences":[{"text":"I will send you that email in the next couple of minutes so that you have it","start":953.375,"end":957.535,"sentiment":"positive","sentiment_score":0.3414907595690559}],"sentiment":"positive","sentiment_score":0.3414907595690559,"channel":0,"num_words":17,"start":953.375,"end":957.535},{"sentences":[{"text":"Yep.","start":957.33496,"end":957.83496,"sentiment":"neutral","sentiment_score":0.2907392382621765}],"sentiment":"neutral","sentiment_score":0.2907392382621765,"channel":1,"num_words":1,"start":957.33496,"end":957.83496},{"sentences":[{"text":"handy.","start":957.535,"end":958.035,"sentiment":"neutral","sentiment_score":0.2969764471054077},{"text":"But do","start":958.33496,"end":958.815,"sentiment":"neutral","sentiment_score":0.2707296758890152}],"sentiment":"neutral","sentiment_score":0.2794785996278127,"channel":0,"num_words":3,"start":957.535,"end":958.815},{"sentences":[{"text":"Awesome.","start":958.77496,"end":959.255,"sentiment":"positive","sentiment_score":0.4474577605724334}],"sentiment":"positive","sentiment_score":0.4474577605724334,"channel":1,"num_words":1,"start":958.77496,"end":959.255},{"sentences":[{"text":"you have any","start":958.815,"end":959.375,"sentiment":"neutral","sentiment_score":0.15087843934694925}],"sentiment":"neutral","sentiment_score":0.15087843934694925,"channel":0,"num_words":3,"start":958.815,"end":959.375},{"sentences":[{"text":"Alright.","start":959.255,"end":959.755,"sentiment":"neutral","sentiment_score":0.08247443288564682}],"sentiment":"neutral","sentiment_score":0.08247443288564682,"channel":1,"num_words":1,"start":959.255,"end":959.755},{"sentences":[{"text":"other questions before I let you","start":959.375,"end":960.815,"sentiment":"neutral","sentiment_score":0.029100170669456322}],"sentiment":"neutral","sentiment_score":0.029100170669456322,"channel":0,"num_words":6,"start":959.375,"end":960.815},{"sentences":[{"text":"No.","start":960.77496,"end":961.095,"sentiment":"neutral","sentiment_score":-0.0674823448061943}],"sentiment":"neutral","sentiment_score":-0.0674823448061943,"channel":1,"num_words":1,"start":960.77496,"end":961.095},{"sentences":[{"text":"go, by","start":960.815,"end":961.135,"sentiment":"neutral","sentiment_score":-0.050928184762597084}],"sentiment":"neutral","sentiment_score":-0.050928184762597084,"channel":0,"num_words":2,"start":960.815,"end":961.135},{"sentences":[{"text":"Not","start":961.095,"end":961.33496,"sentiment":"neutral","sentiment_score":-0.14886492490768433}],"sentiment":"neutral","sentiment_score":-0.14886492490768433,"channel":1,"num_words":1,"start":961.095,"end":961.33496},{"sentences":[{"text":"the way?","start":961.135,"end":961.71497,"sentiment":"neutral","sentiment_score":-0.0931997261941433}],"sentiment":"neutral","sentiment_score":-0.0931997261941433,"channel":0,"num_words":2,"start":961.135,"end":961.71497},{"sentences":[{"text":"ready.","start":961.33496,"end":961.83496,"sentiment":"neutral","sentiment_score":-0.04799481108784675}],"sentiment":"neutral","sentiment_score":-0.04799481108784675,"channel":1,"num_words":1,"start":961.33496,"end":961.83496},{"sentences":[{"text":"No.","start":962.175,"end":962.495,"sentiment":"neutral","sentiment_score":-0.035642825067043304},{"text":"Okay.","start":962.495,"end":962.815,"sentiment":"neutral","sentiment_score":0.05501843988895416},{"text":"Perfect.","start":962.815,"end":963.295,"sentiment":"neutral","sentiment_score":0.08575951308012009},{"text":"Well, thank you so much for your time today, Emmy.","start":963.295,"end":965.21497,"sentiment":"positive","sentiment_score":0.8124994277954102},{"text":"I will send","start":965.21497,"end":965.695,"sentiment":"positive","sentiment_score":0.3997952441374461}],"sentiment":"positive","sentiment_score":0.5893446961417794,"channel":0,"num_words":16,"start":962.175,"end":965.695},{"sentences":[{"text":"Thank","start":965.63696,"end":965.87695,"sentiment":"positive","sentiment_score":0.46117180585861206}],"sentiment":"positive","sentiment_score":0.46117180585861206,"channel":1,"num_words":1,"start":965.63696,"end":965.87695},{"sentences":[{"text":"that","start":965.695,"end":965.935,"sentiment":"positive","sentiment_score":0.4994782507419586}],"sentiment":"positive","sentiment_score":0.4994782507419586,"channel":0,"num_words":1,"start":965.695,"end":965.935},{"sentences":[{"text":"you","start":965.87695,"end":966.0369,"sentiment":"positive","sentiment_score":0.5845999717712402}],"sentiment":"positive","sentiment_score":0.5845999717712402,"channel":1,"num_words":1,"start":965.87695,"end":966.0369},{"sentences":[{"text":"email","start":965.935,"end":966.33496,"sentiment":"positive","sentiment_score":0.5403226017951965}],"sentiment":"positive","sentiment_score":0.5403226017951965,"channel":0,"num_words":1,"start":965.935,"end":966.33496},{"sentences":[{"text":"too.","start":966.0369,"end":966.5369,"sentiment":"neutral","sentiment_score":0.24022190272808075}],"sentiment":"neutral","sentiment_score":0.24022190272808075,"channel":1,"num_words":1,"start":966.0369,"end":966.5369},{"sentences":[{"text":"to you, and let me know if you","start":966.33496,"end":967.615,"sentiment":"neutral","sentiment_score":0.28591429255902767}],"sentiment":"neutral","sentiment_score":0.28591429255902767,"channel":0,"num_words":8,"start":966.33496,"end":967.615},{"sentences":[{"text":"Appreciate","start":967.55695,"end":968.0369,"sentiment":"positive","sentiment_score":0.3884016275405884}],"sentiment":"positive","sentiment_score":0.3884016275405884,"channel":1,"num_words":1,"start":967.55695,"end":968.0369},{"sentences":[{"text":"have any questions.","start":967.615,"end":968.435,"sentiment":"neutral","sentiment_score":0.25718264778455097}],"sentiment":"neutral","sentiment_score":0.25718264778455097,"channel":0,"num_words":3,"start":967.615,"end":968.435},{"sentences":[{"text":"it.","start":968.0369,"end":968.5369,"sentiment":"neutral","sentiment_score":0.12726843357086182},{"text":"Alright.","start":968.91693,"end":969.31696,"sentiment":"neutral","sentiment_score":0.21524140238761905},{"text":"Will do.","start":969.31696,"end":969.79694,"sentiment":"positive","sentiment_score":0.3653753101825714},{"text":"Thank you.","start":969.79694,"end":970.5369,"sentiment":"positive","sentiment_score":0.6585746109485626}],"sentiment":"positive","sentiment_score":0.3984016130367915,"channel":1,"num_words":6,"start":968.0369,"end":970.5369},{"sentences":[{"text":"No worries.","start":970.7369,"end":971.2169,"sentiment":"neutral","sentiment_score":0.2879481017589569},{"text":"We'll speak soon.","start":971.2169,"end":972.2769,"sentiment":"neutral","sentiment_score":0.28802788257598877},{"text":"Bye.","start":972.7369,"end":973.2369,"sentiment":"neutral","sentiment_score":0.19961045682430267}],"sentiment":"neutral","sentiment_score":0.2732650513450305,"channel":0,"num_words":6,"start":970.7369,"end":973.2369},{"sentences":[{"text":"Bye bye.","start":973.07697,"end":973.81696,"sentiment":"neutral","sentiment_score":0.007332846522331238}],"sentiment":"neutral","sentiment_score":0.007332846522331238,"channel":1,"num_words":2,"start":973.07697,"end":973.81696}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with a customer named Amy to provide personalized investment recommendations that expire soon. The recommendations are tailored to her financial situation and are personalized based on her risk profile and strategy. The personalized advice is expiring soon and the company is making changes to the risk profile, including reducing fees and improving returns. The speaker emphasizes the importance of avoiding overseas exposure and reminds the customer to be happy before signing anything. The company's investment portfolio is discussed, including gold, satellite investments, and fixed interest investments, and the importance of reading and signing the documents before moving forward with recommendations."},"intents":{"segments":[{"text":"Just a bit of an update after I did some research on your super investments to see if we can improve things a little bit for you.","start_word":37,"end_word":63,"intents":[{"intent":"Update client about investments","confidence_score":0.000093461684}]},{"text":"The document is 26 pages. I won't go through all of that with you because it is pretty straightforward, but a lot of it is just for compliance just to make sure you fully understand everything.","start_word":404,"end_word":439,"intents":[{"intent":"Guide and navigate document","confidence_score":0.00017326516}]},{"text":"The document is 26 pages. I won't go through all of that with you because it is pretty straightforward, but a lot of it is just for compliance just to make sure you fully understand everything. But like I said, it is pretty straightforward today, so I'll tryna make it quick for you.","start_word":404,"end_word":456,"intents":[{"intent":"Ensure clarity and clarity","confidence_score":0.0083386805}]},{"text":"Now every time we do make a recommendation on any products and make, financial personalized advice, we have to put everything in this statement of advice.","start_word":457,"end_word":482,"intents":[{"intent":"Provide recommendations and information","confidence_score":0.0024117932}]},{"text":"So very simple, just focusing on your superannuation to make sure we can give you as much growth as possible. Not making any change to your insurances or anything else. Literally just your super today.","start_word":658,"end_word":692,"intents":[{"intent":"Focus on superannuation","confidence_score":0.036328033}]},{"text":"And then you'll have your insurances again. I won't go through that with you because we kind of went through the during the annual review. It's just listed there for you so you have the information. And that then takes me to page 11, which shows Yep. your risk profile. Can you see where I'm at? Or page 10. Sorry.","start_word":724,"end_word":783,"intents":[{"intent":"Confirm coverage","confidence_score":0.00001654152}]},{"text":"So like I said, I have recommended staying in hub twenty four literally just changing investments. So not changing insurances or contributions or anything like that, just your investment. And you can see by just taking the investment, the total cost is actually saving you about $474 in investment fees a lot, which I thought was pretty good. Yeah.","start_word":1126,"end_word":1184,"intents":[{"intent":"Recommend staying in hub twenty four","confidence_score":0.16559729},{"intent":"Recommend saving money in investments","confidence_score":0.000091504866}]},{"text":"I do also want to let you know we did obviously consider capital gains tax, wanting to minimize that as much as possible with the investment changes.","start_word":1187,"end_word":1213,"intents":[{"intent":"Mention capital gains tax consideration","confidence_score":0.06727696}]},{"text":"Now if you scroll down one page for me, you can actually see I have this projected that forward for five and ten years to Ten show years. you Yep.","start_word":1276,"end_word":1305,"intents":[{"intent":"Discuss investment history","confidence_score":0.00068796746}]},{"text":"kind of, yeah, the compounding difference, which just shows you as well that just making a couple of changes, reducing fees a little bit, and improving those returns, it does make a pretty big difference when we're kind of compounding that forward for you.","start_word":1306,"end_word":1349,"intents":[{"intent":"Explain compounding difference","confidence_score":0.08107979}]},{"text":"Obviously, three years is also improved, and then five years in the recommended.","start_word":1387,"end_word":1399,"intents":[{"intent":"Mention improvements in investment timeline","confidence_score":0.00038678365}]},{"text":"to show you a little bit more as well on the recommended return set. Yep.","start_word":1441,"end_word":1455,"intents":[{"intent":"Show return set","confidence_score":0.5148196}]},{"text":"Now if you can scroll up for me to page 16, you should Yep. see a, like, a asset allocation table and a pie chart. Yep.","start_word":1468,"end_word":1493,"intents":[{"intent":"Scroll up","confidence_score":0.6895438}]},{"text":"Now this just shows you your risk profile. So you can see in the second column, risk profile, aiming for that about nine to 10 allocation, existing, and then also the proposed. So you can see that both the existing and proposed are very much aligned with your risk profile.","start_word":1496,"end_word":1545,"intents":[{"intent":"Align risk profile","confidence_score":0.004863599}]},{"text":"Now this just shows you your risk profile. So you can see in the second column, risk profile, aiming for that about nine to 10 allocation, existing, and then also the proposed. So you can see that both the existing and proposed are very much aligned with your risk profile. You do have a little bit more growth in the proposed. Still have some defensive, though, to limit those fluctuations. Makes sense? Yep.","start_word":1496,"end_word":1568,"intents":[{"intent":"Identify risk profile","confidence_score":0.0021779179}]},{"text":"And what that actually looks like in terms of the investment changes for you is if you can scroll up to page 15. Yep.","start_word":1571,"end_word":1594,"intents":[{"intent":"Explain investment changes","confidence_score":0.049628507}]},{"text":"It also shows you your current weight in them. You can see that you have some in a couple, and then, like, the bottom one where it's zero, you don't have anything at the moment. What that looks like in terms of the balance and then the buy and sell column. So this is the one where everything that is in red is what we are selling. What is in black is either what we are keeping in your portfolio or then adding to your portfolio.","start_word":1617,"end_word":1702,"intents":[{"intent":"Identify current weight","confidence_score":0.006377028}]},{"text":"So, essentially, to try to summarize that for you, we are making a couple of changes. The investments of loss, everything stays the same. We are still aiming for that core satellite approach to investment where we do see majority of your funds invested in what we call your core investment.","start_word":1727,"end_word":1777,"intents":[{"intent":"summarize investment changes","confidence_score":0.14817117}]},{"text":"So one of that that's, like, your biggest shareholding. So you can see, for example, the 35% in the iShares S and P 500. We are still keeping that in your portfolio.","start_word":1779,"end_word":1810,"intents":[{"intent":"Share portfolio information","confidence_score":0.058355223}]},{"text":"But this one here, it invests all around the world, but it does exclude The US because you already have exposures to The US market in that iShares S and P 500, and we don't want too much in one area either. Does that make Yep.","start_word":2091,"end_word":2136,"intents":[{"intent":"Discuss investment plans","confidence_score":0.01324972}]},{"text":"Do you have any questions, or what are your thoughts on this?","start_word":2438,"end_word":2449,"intents":[{"intent":"Ask for clarification","confidence_score":0.012207622}]},{"text":"actually Nope. know where I can download a PDF copy of this document that I was about to sign?","start_word":2475,"end_word":2493,"intents":[{"intent":"Request pdf copy","confidence_score":0.022155866}]},{"text":"If you do read through it and it all makes sense and you are happy with the recommendation to move forward, you would then be where you are currently. It Yeah.","start_word":2590,"end_word":2620,"intents":[{"intent":"Ensure satisfaction","confidence_score":0.0007788674}]},{"text":"Perfect. Yeah. I will send you that email in the next couple of minutes so that you have it Yep. handy. But do Awesome. you have any Alright. other questions before I let you No. go, by Not the way? ready. No. Okay. Perfect.","start_word":2716,"end_word":2759,"intents":[{"intent":"Confirm acceptance","confidence_score":0.023880376}]}]},"sentiments":{"segments":[{"text":"Hello. Miss King.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.09142892807722092},{"text":"Good morning, Amy.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.42985549569129944},{"text":"This is Veronica from Oakview Financial. How are you? Could you just help?","start_word":6,"end_word":18,"sentiment":"neutral","sentiment_score":0.2797587811946869},{"text":"I'm good. Yes. Thank you. I had you booked in this morning. It is a pretty quick one.","start_word":19,"end_word":36,"sentiment":"positive","sentiment_score":0.487588107585907},{"text":"Just a bit of an update after I did some research on your super investments to see if we can improve things a little bit for you. Do you have a couple Uh-huh. of minutes for me now? Yeah. Yeah. Okay. Perfect. Now just before I do go any further, I do need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay. Yeah. Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Full name, x I n r n z h a o. Date of birth, 08/10/1993. Address, 228 Beach Road, North Basewater.","start_word":37,"end_word":164,"sentiment":"neutral","sentiment_score":0.1003316342830658},{"text":"Perfect. That's exactly what I have here.","start_word":165,"end_word":171,"sentiment":"positive","sentiment_score":0.537726640701294},{"text":"Now, Emmy, do you remember the conversation we had for following your annual review a little while ago just in regards to me doing some research on your investments to see if we Yes. could swap some that was yeah. Perfect. Now do you have access to your emails at the moment? I I I do. Yep. Okay. Perfect. Because what I have done is I have just sent you an email with the recommendation, and it just makes it a bit easier if you do have access to it at the same time as I do walk through it with Yeah. Okay. Yep. Signature you. request. Yeah. Yes, please. So if you click Alright. on the link where it says signature request, Yep. it will allow you to open up the documents first before it prompts you to sign anything. And let me know if you can see the cover page where it says statement of advice. Yeah. Sure. In the email as well. Yeah. So Let me see. Hopefully, it's loading now. yeah. No. That's okay. While I do wait for it to load, if you do go back to the email later, you will also see us send an attachment through the email, and that is just basically where the free search goes. Yeah. Okay. I opened the Yeah. document now. Okay.","start_word":172,"end_word":396,"sentiment":"neutral","sentiment_score":0.12515957554181417},{"text":"Perfect. Now it is pretty straightforward today.","start_word":397,"end_word":403,"sentiment":"positive","sentiment_score":0.5783530473709106},{"text":"The document is 26 pages. I won't go through all of that with you because it is pretty straightforward, but a lot of it is just for compliance just to make sure you fully understand everything.","start_word":404,"end_word":439,"sentiment":"neutral","sentiment_score":0.3068010210990906},{"text":"But like I said, it is pretty straightforward today, so I'll tryna make it quick for you.","start_word":440,"end_word":456,"sentiment":"positive","sentiment_score":0.5666074156761169},{"text":"Now every time we do make a recommendation on any products and make, financial personalized advice, we have to put everything in this statement of advice. Now it is tailored specifically for you as well, and it does expire on the twenty fourth of this month. So you have a couple of days to decide if you would like to go ahead, but just be mindful that it is expiring, soon. Okay? Yep. Now it has been prepared for by myself. You can also see my authorized representative number listed on the cover page there, and I am Yep. licensed under financial. Now on the second page, you will see best interest duty. Basically, just means that we have to act in your best interest at all time, and the advice itself has to put in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yep. Yep. Perfect. Now I'll kind of skip through. And if you can kind of keep scrolling with me, you will see a couple of pages talking about scope of advice. Basically, what that refers to is just the areas we are looking at today.","start_word":457,"end_word":657,"sentiment":"neutral","sentiment_score":0.09480224549770357},{"text":"So very simple, just focusing on your superannuation to make sure we can give you as much growth as possible.","start_word":658,"end_word":677,"sentiment":"positive","sentiment_score":0.3945433795452118},{"text":"Not making any change to your insurances or anything else. Literally just your super today.","start_word":678,"end_word":692,"sentiment":"neutral","sentiment_score":0.19761411845684052},{"text":"So pretty straightforward.","start_word":693,"end_word":695,"sentiment":"positive","sentiment_score":0.4764626622200012},{"text":"Now as you scroll through as well, you will see some a couple of pages about you, just some personal information, your assets and liabilities as well. Yep. And then you'll have your insurances again. I won't go through that with you because we kind of went through the during the annual review. It's just listed there for you so you have the information. And that then takes me to page 11, which shows Yep. your risk profile. Can you see where I'm at? Or page 10. Sorry. Yes. Yeah.","start_word":696,"end_word":785,"sentiment":"neutral","sentiment_score":0.041185230016708374},{"text":"Perfect.","start_word":786,"end_word":786,"sentiment":"positive","sentiment_score":0.5101567506790161},{"text":"Now we did go through a couple of questions in regards to how you feel about risk and fluctuation during the annual review, and we're not making any changes.","start_word":787,"end_word":815,"sentiment":"neutral","sentiment_score":0.0408279225230217},{"text":"Keeping you in a high growth portfolio is very suitable Yep. for you.","start_word":816,"end_word":828,"sentiment":"positive","sentiment_score":0.3571062982082367},{"text":"You still have plenty of time until retirement, so not making any changes to your level of risk or anything like that. Yep.","start_word":829,"end_word":851,"sentiment":"neutral","sentiment_score":0.06064215302467346},{"text":"Perfect.","start_word":852,"end_word":852,"sentiment":"positive","sentiment_score":0.3849639892578125},{"text":"Now that then takes me to page 12. So it says Yep. at the top, strategy recommendation with pain hub twenty four. Can you see that? Yes. Yep.","start_word":853,"end_word":880,"sentiment":"neutral","sentiment_score":0.11027941852808},{"text":"Perfect.","start_word":881,"end_word":881,"sentiment":"positive","sentiment_score":0.4684774875640869},{"text":"So I did do some research on other super options for you as well, and I did consider everything just to make sure hub twenty four is still going to be the best option for you because there's always new products and features that comes out. So it is good to kind of reassess every now and then just to make sure.","start_word":882,"end_word":943,"sentiment":"neutral","sentiment_score":0.30900201201438904},{"text":"And all the time being, hub 24 still is very much competitive. It is competitive when it comes to prices and features and availability with investment. I do use hub 24 for my personal super as well. So for the time being, I have recommended staying hub twenty four is doing really good for you and literally Yep.","start_word":944,"end_word":1001,"sentiment":"positive","sentiment_score":0.4742448329925537},{"text":"just changing a couple of investments. Yep. Now what that actually looks like from a projection point of view, if you can scroll down because it's sometimes easier to look at this first to page 17, it should say the comparison table. Can you see that? Yes. Yep.","start_word":1002,"end_word":1049,"sentiment":"neutral","sentiment_score":0.125139057636261},{"text":"Perfect.","start_word":1050,"end_word":1050,"sentiment":"positive","sentiment_score":0.435918390750885},{"text":"Now this is basically so a couple of the pages that you did scroll through, it just basically puts it all into Word, but I often find that looking at it here is sometimes a bit easier. So you can see your current position. You can see your total cost currently, and then you can also see the three year rolling average on your current portfolio. Now on the other side, you can see recommended.","start_word":1051,"end_word":1125,"sentiment":"neutral","sentiment_score":0.23671412467956543},{"text":"So like I said, I have recommended staying in hub twenty four literally just changing investments.","start_word":1126,"end_word":1141,"sentiment":"positive","sentiment_score":0.38652029633522034},{"text":"So not changing insurances or contributions or anything like that, just your investment.","start_word":1142,"end_word":1154,"sentiment":"neutral","sentiment_score":0.2851383686065674},{"text":"And you can see by just taking the investment, the total cost is actually saving you about $474 in investment fees a lot, which I thought was pretty good.","start_word":1155,"end_word":1183,"sentiment":"positive","sentiment_score":0.6626197099685669},{"text":"Yeah.","start_word":1184,"end_word":1184,"sentiment":"neutral","sentiment_score":0.29664576053619385},{"text":"Now Yep.","start_word":1185,"end_word":1186,"sentiment":"positive","sentiment_score":0.336658775806427},{"text":"I do also want to let you know we did obviously consider capital gains tax, wanting to minimize that as much as possible with the investment changes. And when we did do the research for at the time, there is no estimated capital gains tax, which is great.","start_word":1187,"end_word":1234,"sentiment":"neutral","sentiment_score":0.2349032610654831},{"text":"Now in terms of an investment return, you can see here that using the same three year rolling average, the new recommended portfolio has performed a little bit better at 17.32%.","start_word":1235,"end_word":1265,"sentiment":"positive","sentiment_score":0.43509232997894287},{"text":"Does Does that all make sense so far? Yep.","start_word":1266,"end_word":1274,"sentiment":"neutral","sentiment_score":0.2186819314956665},{"text":"Perfect.","start_word":1275,"end_word":1275,"sentiment":"positive","sentiment_score":0.4665316939353943},{"text":"Now if you scroll down one page for me, you can actually see I have this projected that forward for five and ten years to Ten show years. you Yep.","start_word":1276,"end_word":1305,"sentiment":"neutral","sentiment_score":0.19715505838394165},{"text":"kind of, yeah, the compounding difference, which just shows you as well that just making a couple of changes, reducing fees a little bit, and improving those returns, it does make a pretty big difference when we're kind of compounding that forward for you.","start_word":1306,"end_word":1349,"sentiment":"positive","sentiment_score":0.41132116317749023},{"text":"And you can also see I have included a bit more on the return, so I show you more so parents as well. So the twelve month period, which you can see is a pretty big difference. Obviously, three years is also improved, and then five years in the recommended. Now some of the investments in your current one, haven't been around for five years, so I couldn't give you the five year for that. So that's why we've used the three years as a comparison, But I just wanted Yep.","start_word":1350,"end_word":1440,"sentiment":"neutral","sentiment_score":0.09009509083333908},{"text":"to show you a little bit more as well on the recommended return set.","start_word":1441,"end_word":1454,"sentiment":"positive","sentiment_score":0.4075104594230652},{"text":"Yep.","start_word":1455,"end_word":1455,"sentiment":"neutral","sentiment_score":0.31396785378456116},{"text":"All makes sense as far as well? Pretty straightforward?","start_word":1456,"end_word":1464,"sentiment":"positive","sentiment_score":0.47103753685951233},{"text":"Yep.","start_word":1465,"end_word":1465,"sentiment":"neutral","sentiment_score":0.2406468391418457},{"text":"Yeah. Perfect.","start_word":1466,"end_word":1467,"sentiment":"positive","sentiment_score":0.49394491314888},{"text":"Now if you can scroll up for me to page 16, you should Yep. see a, like, a asset allocation table and a pie chart. Yep. Yep.","start_word":1468,"end_word":1494,"sentiment":"neutral","sentiment_score":0.1689235419034958},{"text":"Perfect.","start_word":1495,"end_word":1495,"sentiment":"positive","sentiment_score":0.46001213788986206},{"text":"Now this just shows you your risk profile. So you can see in the second column, risk profile, aiming for that about nine to 10 allocation, existing, and then also the proposed. So you can see that both the existing and proposed are very much aligned with your risk profile. You do have a little bit more growth in the proposed. Still have some defensive, though, to limit those fluctuations. Makes sense? Yep. Yep.","start_word":1496,"end_word":1569,"sentiment":"neutral","sentiment_score":0.1849599182605743},{"text":"Beautiful.","start_word":1570,"end_word":1570,"sentiment":"positive","sentiment_score":0.5541666150093079},{"text":"And what that actually looks like in terms of the investment changes for you is if you can scroll up to page 15. Yep. Now this might look a little bit messy, but what 15. it basically Yep. shows you, it shows you all the investments. It also shows you your current weight in them. You can see that you have some in a couple, and then, like, the bottom one where it's zero, you don't have anything at the moment. What that looks like in terms of the balance and then the buy and sell column. So this is the one where everything that is in red is what we are selling. What is in black is either what we are keeping in your portfolio or then adding to your portfolio. Yep. Then you have the target weight, so what we are aiming for and what that looks like in terms of the dollar value. So, essentially, to try to summarize that for you, we are making a couple of changes. The investments of loss, everything stays the same. We are still aiming for that core satellite approach to investment where we do see majority of your funds invested in what we call your core investment. So one of that that's, like, your biggest shareholding. So you can see, for example, the 35% in the iShares S and P 500.","start_word":1571,"end_word":1801,"sentiment":"neutral","sentiment_score":0.1148591825327316},{"text":"We are still keeping that in your portfolio. It's doing really well, just increasing that exposure a little bit for you.","start_word":1802,"end_word":1822,"sentiment":"positive","sentiment_score":0.5770639181137085},{"text":"You can then also see the 25% for beta shares Australia 200. Now this is the one we've kind of changed for that Benelon Australian equity that was underperforming a little bit. So we also want to Yeah. make sure you have some exposure to the Australian market. We don't want everything just overseas. So 25% in this one, and that one basically invests in the 200 largest companies listed on the ASX. So here in Australia, you'll have all the companies like BHP and Woolworths. So all the kind of big Commonwealth or, like, the big companies.","start_word":1823,"end_word":1920,"sentiment":"neutral","sentiment_score":0.0975235402584076},{"text":"So still very diversified for you.","start_word":1921,"end_word":1926,"sentiment":"positive","sentiment_score":0.35385507345199585},{"text":"Yep. The other investments we have switched out is what we call your satellite investments. Now these can be a little bit more volatile or fluctuate a little bit more, and that's why they only represent a smaller portion of your portfolio.","start_word":1927,"end_word":1968,"sentiment":"neutral","sentiment_score":0.10737041383981703},{"text":"The these are the ones that can give you the most amount of growth as well. So you can see we are still keeping gold in your portfolio as a defensive. It's doing really well, so you wanna keep that in your portfolio.","start_word":1969,"end_word":2011,"sentiment":"positive","sentiment_score":0.44565528631210327},{"text":"We also have 5% in a fixed interest. Again, wanna make sure we have some defensive components to your portfolio. But, Yep. otherwise, in terms of the satellite investments, we have 9% invested in Europe. You can see see it there for you. So, again, very diversified all across Europe. You have 5% in Japan. Then you have 8% in Vanguard or World. You may have heard of Vanguard before. They're they're quite big. Yes. Yeah. Yep.","start_word":2012,"end_word":2088,"sentiment":"neutral","sentiment_score":0.17635568976402283},{"text":"Perfect.","start_word":2089,"end_word":2089,"sentiment":"positive","sentiment_score":0.7069294452667236},{"text":"But this one here, it invests all around the world, but it does exclude The US because you already have exposures to The US market in that iShares S and P 500, and we don't want too much in one area either. Does that make Yep. sense? Yep. Yep.","start_word":2090,"end_word":2138,"sentiment":"neutral","sentiment_score":-0.026418522000312805},{"text":"Perfect.","start_word":2139,"end_word":2139,"sentiment":"positive","sentiment_score":0.6157004833221436},{"text":"And that is essentially the changes on the investments. So if you would like to go ahead and, you know, read a bit more on the investments as well, in that appendix I mentioned earlier sorry. In the attachment to the email, I have included investment link to these investments. So if it is that you do wanna go back and have a bit of a read over them, that is all in there for you. Yeah. Yeah. Okay. Now the the last thing I do wanna just touch on is the fee. So if you scroll down to page 21 for me, One second. Page 21. Yep. Yep.","start_word":2140,"end_word":2248,"sentiment":"neutral","sentiment_score":0.18139119446277616},{"text":"Perfect.","start_word":2249,"end_word":2249,"sentiment":"positive","sentiment_score":0.4948493540287018},{"text":"So, basically, it just shows you the fee structure again. Now like I mentioned during the annual review, there is no changes whatsoever in regards to the fee structure. It stays reduced at that 1.1 from superannuation. No changes in regards to that. And I have also just included your premium. Now just for your reference as well, every time, with insurances, we do get commissions, and that is 22% ongoing. Now that Yep. is tile paying us, though. It is not you paying us, and it is the same for every single insurer provider, for every single adviser. So it doesn't sway us in, like, any way to recommend one provider over the other. Yep. But for compliances, we have to disclose any commissions we receive so that you are fully aware. Does that all make Yep. sense? Makes Yep. sense. Yep.","start_word":2250,"end_word":2392,"sentiment":"neutral","sentiment_score":0.08898447453975677},{"text":"Perfect.","start_word":2393,"end_word":2393,"sentiment":"positive","sentiment_score":0.45927894115448},{"text":"And that was essentially everything today, Emmy. So like I said, pretty straightforward, keeping you in Hub 24, just changing some of those investments around, reducing those Yeah.","start_word":2394,"end_word":2421,"sentiment":"neutral","sentiment_score":0.22166304290294647},{"text":"fees a little bit, and improving the returns. No estimate of capital gains, which is good.","start_word":2422,"end_word":2437,"sentiment":"positive","sentiment_score":0.4907837808132171},{"text":"Do you have any questions, or what are your thoughts on this? Not not any immediate questions. I think I do need to have a read through a bit further. Yes. Of course. Yeah. Do you Yeah. actually Nope. know where I can download a PDF copy of this document that I was about to sign? I couldn't see any options on the on my page, but I'm not sure if I'm looking at the wrong place. There should be one there. But if you can't, I can just email it through you if you want. I Yes, can just please. email you a PDF version. Yep.","start_word":2438,"end_word":2544,"sentiment":"neutral","sentiment_score":-0.0400000661611557},{"text":"Perfect.","start_word":2545,"end_word":2545,"sentiment":"positive","sentiment_score":0.3420405387878418},{"text":"I'll Yeah. attach Yeah. the appendix as well just if Yeah. if you can't Yeah. see it. Now then, obviously, take some time. Have a bit of a read over it. If you have any questions at all, just give me a call. Yeah.","start_word":2546,"end_word":2589,"sentiment":"neutral","sentiment_score":0.09343326091766356},{"text":"If you do read through it and it all makes sense and you are happy with the recommendation to move forward, you would then be where you are currently.","start_word":2590,"end_word":2618,"sentiment":"positive","sentiment_score":0.5119959115982056},{"text":"It Yeah. will then I ask did you just to fine. add exactly once you've Yep. signed it and validated, it will send it back to me. I'll get notified that you want to go ahead, and we can put all that in force for you. But Yep. you do have a couple of more days to obviously have a read over everything. Make sure you are happy before signing anything. Just note that it does expire on Sunday. So you do have Yep. this It week. should be Just done be by mindful. then. Yep. Okay.","start_word":2619,"end_word":2715,"sentiment":"neutral","sentiment_score":0.20536421239376068},{"text":"Perfect.","start_word":2716,"end_word":2716,"sentiment":"positive","sentiment_score":0.3566664457321167},{"text":"Yeah.","start_word":2717,"end_word":2717,"sentiment":"neutral","sentiment_score":0.25884705781936646},{"text":"I will send you that email in the next couple of minutes so that you have it Yep.","start_word":2718,"end_word":2735,"sentiment":"positive","sentiment_score":0.3338780403137207},{"text":"handy.","start_word":2736,"end_word":2736,"sentiment":"neutral","sentiment_score":0.2969764471054077},{"text":"But do Awesome.","start_word":2737,"end_word":2739,"sentiment":"positive","sentiment_score":0.35909372568130493},{"text":"you have any Alright. other questions before I let you No. go, by Not the way? ready. No. Okay. Perfect.","start_word":2740,"end_word":2759,"sentiment":"neutral","sentiment_score":0.01627225987613201},{"text":"Well, thank you so much for your time today, Emmy. I will send Thank that you email too.","start_word":2760,"end_word":2777,"sentiment":"positive","sentiment_score":0.6391927003860474},{"text":"to you, and let me know if you Appreciate have any questions. it. Alright.","start_word":2778,"end_word":2791,"sentiment":"neutral","sentiment_score":0.27017998695373535},{"text":"Will do. Thank you.","start_word":2792,"end_word":2795,"sentiment":"positive","sentiment_score":0.5109671354293823},{"text":"No worries. We'll speak soon. Bye. Bye bye.","start_word":2796,"end_word":2803,"sentiment":"neutral","sentiment_score":0.23199032247066495}],"average":{"sentiment":"neutral","sentiment_score":0.1830146907444295}}}}