{"metadata":{"transaction_key":"deprecated","request_id":"019f0206-8779-7dd2-b487-7a2ab86711a3","sha256":"a34291cf73848014e09f9975818c9564ddf47fef43aae9461837a07c3c5c43cc","created":"2026-06-26T03:43:32.629Z","duration":2424.096,"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":8628,"output_tokens":127},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":9594,"output_tokens":9612},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":9594,"output_tokens":624}},"results":{"channels":[{"alternatives":[{"transcript":"Good day, Pedro. Tommy here, senior adviser from. How are you going today? Hey. Good morning, Patrick. Good to hear. Good to hear. I'm just giving you a call to go through the property self managed super fund discussion with you and Viv. Are you still available? Yep. Mate, that's no worries at all. We're gonna go through some pretty specific details today. Are you okay for me to do that usual security check while you do that? Yep. I just need you to confirm date of birth and address when you get it set. Mhmm. Sensational. And I'll do just quickly the same as Viv when she hops on as well. No worries at all. Perfect. Hi, Vivian. It's Tommy here. I'm the senior adviser at Oakview. How are you going today? No worries at all. I had a free hour before the end of the week, so why not fork legislation changes and all the fun of property and super? Do you mind if I just quickly check security with you just because I'm gonna take into account your personal details too? So I just need your date of birth and address, please. Perfect. Thank you so much for that. And just so you know who you were talking to, I'm registered with Asic as adviser 1273105, and all the recalls calls are recorded for training and quality purposes. Awesome. Now so based on the notes, guys, bit of urgency here, I believe you guys have possibly found a property and are looking to purchase through Super. Is that right? Awesome. So couple of things I need to go through with you. I've already looked at both of your files and had a bit of an idea and a few list of things I wanted to cover. But just let me know where you're up to at the moment. So you've found a property. Have you engaged with any accountants or brokers at the moment? No. No. I don't. Okay. Alrighty. Can you walk me through the property that you found just in terms of how much the the purchase price of the property? Yep. Yep. Yep. Yep. Absolutely. So where I'll start with that is the 5% that you were just talking about, was that what you were thinking if you were purchasing it personally? Oh, for a deposit. Sorry. Was it a 5% deposit to purchase it directly? Yep. Okay. Cool. So when it comes to purchasing through super, I'll give you, I guess, in layman's terms how the structure works. Are you familiar at all with the structure of self managed super funds? So I'll give you the full breakdown, and then we'll kind of step through pros, cons, and what's possible and what's not. So to create a super fund, you essentially need to create the entities that become that trustee, that become that fund. So you guys are with Hub. They are a trustee. You're gonna create one of those. So what that basically entails is you engage an accountant to create a trust fund and a trustee. So usually, it's a company, a trust in a company that creates your entity of a super fund. With me so far? Yep. Now from that point, you do need to create another bear trust and bear trustee, which is to hold the loan. Because what they're banning at the moment after that forty five day cutoff is called LRBA, limited recourse borrowing arrangement. In order to borrow money with your super, you need to go through this extra structure, which is basically another trust in another company holds the loan a little bit off to the side. So you have two trust funds and two companies. Does that make sense? Cool. So that usually costs anywhere between, I guess, 2 and 5,000 through the super fund. I know some accountants like to charge you directly and you have to reimburse yourself, but some of them will let you just set it up. And then once it's all established, you can kind of just pay their invoices through Superfunds. Cool. So you get your four entities set up. That's what the accountant does. Obviously, brokers to do lending. Normally, with Superfund lending, it used to be a 50% deposit, but these days, 20% is pretty good. And based on 800,000 and the balance that you guys have, which is about $3.75 combined, little bit in CareSuper, 20% deposit is not gonna be a problem for you guys. K? Now I believe your incomes, you're both pretty well 6 figures in terms of income. I think combined household income's over 200 thousand. Cool. So in terms of serviceability, rather than going off, like, your direct income as if you were owning another property of loan, they're going off your super contributions and the rent in terms of cash flow and serviceability. So your employer contribution and the rent, that's what they take into account for the servicing of the loan. Does that make sense? Cool. So on paper, the property purchase price, the funds that you've got, income and contributions that you've got, I don't see any problems with 800,000. K? Now in terms of the advice process for us to be involved, what we normally do past that point so let's say you've got the account set up your trust funds and companies. You've got all these entities. Now you have a super fund. You actually need the accounts to facilitate it. So what we do in our strategy is we recommend, like, a bank account so that the funds can come in and it can pay the loans and roll funds in from your super and pay for fees and premiums and contributions. The bank account kind of acts as that central hub for all the money to flow through. Alongside that, we normally open, like, an investment account that mimics what your hub twenty four does so that all the funds can come in and buy the property. Anything that's not needed for the property, you can continue to invest that like you were doing for your super. So both can kind of grow in parallel. Does that make sense? Now at this point, because of the cost of the accountant so I usually estimate $5 for the entities. And the self managed super fund advice, we usually charge $4.09 5 o. So another $5 for the advice, the accounts, the strategy, the application, the rollovers, and so on. So that's about 10,000 upfront. And then you've got usually about 10 to 20, usually keep aside the things like stamp duty and usual borrowing costs when you get a property. Things you'd be familiar with. K? Now in terms of risk, so because of this cutoff period that we've got, because you're doing off plan, I'm assuming you're gonna be able to get a contract signed relatively quickly. Is that right? Yep. So that's not too much of a problem. For us, the accountants usually only take one to two weeks to set up all the entities, and we usually go about a fortnight to do the advice, start doing the application, open accounts, and the rollovers can take anywhere between one to three weeks. So on face value, if we started this process with you guys on Monday, we would pretty much just get everything set up in time. The risk is if there's any delay that we wouldn't get the money rolled across and ready for the loan in time. The thing that I'm kind of concerned with at the moment, I've just been talking to all of our brokers in the network. There's about four or five. They're not actually sure whether the banks will continue to do the lending and applications all the way up until that forty fifth day. And if you've got the contract signed, there's no guarantee that they'll actually finalize the loan for you day 46, day 47. Like, let's say you submit it day 39, there's no guarantee they will honor the application and actually approve it after that date occurs on the August 7. K? So what I'm basically saying here is you're in an actual good financial position to do this through Super, but the risks are that if we don't get it all lined up in time in terms of the accounts, the entities, and the lending, is you may have gone through all of this to set it all up, pay all this money, and then you just missed out by four days. So my my honest answer here is you're probably better off purchasing it directly than rather than through super. And if you're gonna go through the super outlet, say that you're adamant, no. We've got it here. We know it's financially viable. We're just gonna go ahead and get this done in time, is even potentially skip us altogether. Now so skip using our Q Financial altogether is an option that you do have. So for example, let's say you engage an accountant and set up all your entities, and then you just open up your own self managed super fund bank account with whichever bank owned by those entities, we can help you sell down funds and roll the funds across. But for us to step in and do the advice and tell you which providers to go with, that's gonna be the part that pushes you over that line and possibly gets you to miss out on that deal. So what you're gonna take into account, are you comfortable to try it yourself? It's probably the opposite there, Viv, because if you getting the contract signed before that forty five day cutoff, that's the most important thing, and then it's making sure that you get the loan application approved in time. Correct. So if we try and go through our usual advice process, get you to sign your statements of advice, set up accounts and applications and everything, that might be three, four weeks down the line before we get all the funds rolled across if everything goes perfectly. Whereas technically, and I'm not telling you to do this, but if you engage that account and set everything up, you could literally go to the bank with all of your information and then just open up the bank account straight away within a couple of days. K. So I'm just giving you that option to say, like, you don't have to go the route that I'm saying. That's our standard process. The risk is that we miss it by a couple of days. If it's something that you're really set on pursuing yourself, you can do that. We can help facilitate things like selling down your hub 24 so it's available to roll across quickly. But you just need a really good accountant who can actually set everything up and actually do the rollovers properly. What's been happening this year for me personally is I've gone through five self managed super fund setups. Three of them took about six to eight weeks. One of them took four months. One of them took nine months. And that was just Superfunds being weird about details. The ACO taking its time to apply bank account details to allow rollovers. Whoever was typing in the details from the SuperStream system was typing in the wrong details of the fund, and then that was bouncing back. And then there's this troubleshooting of every single detail for the trust and the company and the accounts. You've got to make sure you cross reference about 46 digits of data, essentially. Yeah. So Yeah. That's a fantastic question, and that's a great way to put it, this. So the ones that we're currently looking after at the moment is people have that bank account, that property, but then they've got, like, a hub or a Macquarie or some sort of investment account linked to it so that we can continue to invest funds and give them advice to help with the retirement goals. Yeah. That's right. A little bit of help in that sense. What comes down through for you personally that you have to do is every year, you'll do an audit of the super funds and a tax return for the super funds. So you'll go to an accountant, get all the reports printed out from your bank account and rental agents and everything, and you'll have to actually go through an audit process and tax return on a yearly basis to maintain that fund every year. I think it's about 2,200 a year that they charge most of the county. Yeah. Yes. Yeah. I mean, we've got, like I said, five different brokers, and I usually do the, you know, general advice and the strategy side of things. And then it's just trying to link you up with the right people. I don't know if you guys just use your bank or Yeah. Have you guys ever had an investment property before? Yep. Yeah. Yeah. Yep. Yeah. Get to put in the market and start, you know, building assets personally, I guess, is what you're trying to do. Right? Yeah. So you don't have that deposit built up at the moment or or property to borrow off? Yeah. And the cool thing too is now that you kind of settled, I have actually given you guys a dedicated adviser, Dana, who's gonna be looking after you as as a couple, and we're able to kind of look at you as a family unit to discuss and plan these joint goals rather than talking to different advisers, getting different opinions sort of thing. So that's gonna be really helpful because Dana's fantastic. She will go to the end of the year for her clients all night, every night, and figure out everything that's possible. She's brilliant. Now when I look at you guys as a as a couple, would you would you say that you're kind of first home buyers if you guys owned a property before? Yep. So the good thing at least is that it's not the best legislation in the world, but there are those those rules now that people can do, like you said, the 5% deposit, and you get to skip the the LMI for not having a 20% deposit for your first time. So there's definitely things that the government's trying to do to give you guys access to it, and you've got good income. So at some point, you'll be able to get into it. It's about how and when. Now one of the things that you can do is exactly what you said is, do you go for that first home that you own and and live in yourself and then an investment after that? Or do you get the investment first and then use that as a stepping stone to your own home? Now that property that you're looking at already for 800,000, that I'm assuming is it been recently built? It's pretty how long would that property be, the the apartment? Yep. Okay. So I'm definitely gonna say a no on the self managed super route because if it's not finished yet, you may run into even more trouble where the lender just says, no. We're not gonna we're not gonna approve this application. But there's a couple of cool things. So because it's new, you get to avoid all those issues of not having to not being able to do negative gearing and things like that because the government wants it to be focused on new properties to get those benefits. So a new investment property or your own home, that's your best two options, and that's the route to go. Just to sort of take a step back in terms of a few basics of lending here. So when I got my investment property, we had paid down our mortgage a little bit. So we had a bit of equity, and we basically borrowed a bit off of that home to get the deposit for the next place. Now the way it kind of works is, let's say, I need a it's an $800,000 property, and I need a $200,000 deposit. So I'm borrowing 200 off my home so that goes up in my repayments increase. But then I only need 600 on the investment property to make the full 800,000. So, overall, you've got 800,000 in debt, but 200 you kind of got on your own home paying personally, 600 is on the property. Now what this kind of means is there's this really cool little trick I do where if you have an $800,000 property, if it's paying you 800 a week rent, that's a 5% rental return. Do you know how much that property would be renting for approximately? Is it $9,001,000, something above there? Yep. Yep. Yep. So anything above 800 a week, you're starting to go up to six or 7% rental return. And the reason why I say that is because the the interest rates these days, You're going to be paying that 6 or 7% interest rate for that loan. So you wanna kind of make sure that it can kind of pay for itself to a degree and that you're not forking out $500 a week personally just to keep it running. Right? So negative gearing is okay. Like, if it's a $100 that you're forking out for it and you get to claim some tax deductions, that's good. But, you know, you guys don't wanna buy an $800,000 property that costs you 400 a week on top of the rent that it brings in. That's what puts people under very quickly. So $9.50 1,000 starts to get better because you're talking, let's say, 7% interest on a $600,000 loan, but a 7% return on 800,000. So you kind of take into account all your costs and repairs and agent fees. You're getting close to breaking even with that type of property. So I guess the the the problem that I've got though is if you guys don't have the cash available to the deposit, and like you said, you don't have any assets to borrow off at this point. So your main thing would be building up that cash buffer to either get your home or get the investment property. Either way is not a bad idea. Getting the investment property and then building wealth that way, rents vesting, it's not the worst idea, and buying your home and paying it off to the point to get the investment property is not a bad idea either. Both of them are good. You do just need a bit of cash behind you. K? Now just walk me through briefly as well. So in terms of your own cash flow, you've just gone through, like you said, the children. Everything's kind of more stable now. What's the budget looking like for you guys? Are you able to put aside a little bit that you know of on a weekly, fortnightly basis? Yeah. And can I just say as well just the most of the people I'm talking through this year, 80% of the people I've spoken to are in the same boat? I have a lot of families who have a combined income of 150 to 250,000. No one's able to save. No one's building deposits. People are kind of just punching their budgets and going, like, what do I do? Do I get rid of the Netflix? So that's only 13 dollars a month. That's not a deposit. If you looked at your budget, I would be I would kind of guess that you're not doing anything too majorly wrong. Like, I I haven't looked at it with you, and it's something that we do do. We do break down budgets with people and see if there is anything glaring that we can point out, but the whole country is kind of in that same boat. If you're not living in the cheapest suburb of Queensland or Western Australia or in the country of New South Wales areas, nobody in the major centers is actually getting ahead right now despite having that good, you know, dual six figure incomes. So I guess it sounds kind of a a bit of defeatism to say like, oh, what can you do? You just kind of get stuck. But what I've been telling people that this is usually temporary to the point where we go through these periods where the majority of our generation kind of struggle for that decade, whether it's a recession or or a depression or something like that, but it never lasts thirty, forty, fifty years. Not that you have to wait thirty years to get your first property, but I'm just saying that, like, just take some heart in the fact that you're not doing something astronomically wrong and everyone else is having a great time. It's like we're all kind of in the same boat. Yep. Even myself. So I've got investments. I've got investment properties, good income, free children, and so on. We're kind of just been in the holding pattern for two years now where we're just trying to keep things moving because everything's gone up. The the groceries is $3.04, 500 a week. The electricity is a thousand a quarter, but we've got solar and it's just like everywhere I look, there's just money flooding out for everything under the sun. So one thing that definitely budget assistance, we can send through a budget planner, fill that in. If there's anything that I can notice with Dana that's glaringly obvious, we'll let you know. Outside of that, when we can get some cash built up, we've got all the brokers that can get you the best best loans, best structures for you guys, whether it's your own home or an investment. We've got the professional network available for you guys. Just to kind of cycle back to the start of the conversation, I don't think you should put yourself through the stress of trying to set up a a super fund to buy a property right now because it's stressful enough normally, and I've been doing it for twelve years now. SMSFs are quite stressful to to set up and also run. And this cutoff period where if we start on Monday, we've got thirty nine days, I've never seen anything like it before. So I'm at that point where I would love to say, yeah. We'll charge you some money, and we'll set this up, and I'll promise you everything under the sun. But for everything to line up between the broker, the accountants, the banks, the advisers, the application, the accounts, something's gonna go wrong. Something's gonna delay it for a week. It happens every day. You know what I mean? Yeah. So if you're comfortable, I I wish I could just hop on this call and just give you quick easy answers and be like, yep. You're gonna have a property in your super tomorrow and another one to live in a year later. We have to go through this sort of slow twelve to twenty four month period of either being very, very deliberate about what we do with every dollar or just waiting for things to kind of ease up a little bit when the economy comes down. K? Would you guys like me to send through a bit of a budget planner, get Dana to kind of break it down with you and kind of see if we can notice anything, or do you feel pretty confident with your own cash flow? Yeah. Yeah. And look, I've got these clients at the moment who are exactly like you guys in a similar position. And I've already been on the phone three times today to a buyer's agent, a broker, and an accountant for them. And they have four professionals working on a daily basis to try and get theirs done. And like I said, it's been taking months. So they're having to put in a lot of time on a daily basis to forward documents around, sign documents, do phone calls, make decisions, and it's been quite an ordeal for them despite our expertise in making it as smooth as possible. But one thing too is like yeah. You go for it. Yeah. Sorry. It just cut out for a few seconds there. I do have you back. No. I just heard the part where you were saying about if things are going to be better in twelve to twenty four months time, can we look at the super fan and then it kind of cut out. Yeah. So yeah. Correct. So a couple of things I'd say to that is when you have a self managed super fund, people do it for different reasons. Some people do it to borrow for a property. Some people just want a really specific investment. Like, I've seen people buy a bunch of gold bullion and put it in the safe, and creating your own super fund allows you to do the unorthodox things outside of what a regular fund allows. The other thing is that your, you know, your hub 24 and and these sorts of super funds, they can invest you into pretty much any type of asset. We've got property investments and gold and shares and all these kinds of things. So it's not a problem to actually do all kinds of different investments and get a really good portfolio. But the one problem that you've got with what you mentioned is let's say you set up that self managed super fund. Once that cutoff happens on the August 7, no one will be allowed to borrow money to purchase that residential investment property anymore. So yeah. So as soon as that August 7 happens, they are banning borrowing off of your super to purchase a residential investment property. And if it's not in by then, it's no longer available. So that's why I was worried saying, if we were to go through all this and you spend 10,000 dollars of your super to set everything up, and then it's like, oh, you missed it by two days, better, like, close it all down and start again. You just lost $10 and a month's work. Yeah. No. You're okay. It is it's a lot of wrap your mind around, especially at the first time. It's complicated enough as it is to understand verbally, and normally I send through flowcharts and things like that as well, but the legislation just makes it more difficult. One of the things I would say though as well is that we're not just like the superannuation guys. If we get to that review in twelve months time and there's other things for us to help you with, Dana and myself and the team, we're gonna coach you through it. We're gonna get you in touch with the right people. We want everybody to progress through those life stages into those different goals to get the home and the investments and build your wealth and branch out into whatever you're comfortable doing. We just start off with that basis of, you know, superannuation and so on, but we're there alongside you guys the entire time. Okay? So anytime you need a chat, book in to have a chat, and we'll kind of coach you through it. One thing as a bit of a bit of homework, you did mention that you and you guys need to sit down to talk through your finances a little bit. And one thing if you can do it, I don't know if you've done it before. It's a really good way to just flag if there is an issue or not, is just sit down with Pedro sometime and work out of all the things that you spend money on. How much would you categorize as, like, living expenses, like rent and electricity and and those fuel and all those must haves? Put that in a category, then put in your, I guess, your splurging. How much do you spend on the coffee at the shops and buying alcohol and going to the movies? That's your splurge category. Then you've got long term stuff. How much are you putting aside to pay for holidays and and the larger things of life, and then how much can you actually save? What this does is if you do that as a percentage of your income, usually, you wanna aim for about no more than 60% of your income going to expenses and no more than 10% of your income going towards just splurging money on this, that, and the other. So if your expenses end up being 75% of your income, well, that's the area to focus on. Right? It's either how do we get our expenses down or our income up. And then if the splurge is the quarter of what you earn, then that's what you look at for cutting and so on. So the first thing you do is just get a lay of the land and go, okay. This is all must have absolutely necessary expenses. This is all the the sort of crap, so I'm sorry to say, that we're spending on. Let's percentage it on our incomes as a common combination, and then just see where the red flag is. 60 percent, 10%, 10%, 20% for expenses, splurging, long term, fun, and savings is the goal. And you can see very quickly where you guys are are spending the money. And so I'll include that in an email, and I'll send through, like, the budget spreadsheet and just a bit of a a bit of a shortcut breakdown for it. But at any point, that's probably your next step is just to sit down and go through it. You don't have to do it very often because if you do identify some things to change, you still need to kind of give it a go for a few months and then adjust from there because no one's perfect with budgeting those first three months. It usually takes a couple of years of refining it, if that makes sense. Okay. Now I hope that's been helpful, guys. I'm sorry I couldn't give you some easy answers today. Awesome. I'm glad. Do you have the questions you've got me that I haven't covered off on? Absolutely. Like I said, Dana is your dedicated adviser. I'm here to assist you, and so is Larissa, our head of advice. If at any point you would like to speak to someone, please just call the team and book in with Dana or ourselves. And like I said, I'll try and email you probably Monday, Tuesday. And, hopefully, every year, we get a few good wins under the belt, and you guys are in a great position in five years' time. You guys are most welcome. Have a great weekend. Cheers. Bye.","confidence":0.9970703,"words":[{"word":"good","start":2.8,"end":3.04,"confidence":0.92089844,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.5535937547683716},{"word":"day","start":3.04,"end":3.28,"confidence":0.9951172,"punctuated_word":"day,","sentiment":"positive","sentiment_score":0.5279542803764343},{"word":"pedro","start":3.28,"end":3.6799998,"confidence":0.99560547,"punctuated_word":"Pedro.","sentiment":"positive","sentiment_score":0.44454503059387207},{"word":"tommy","start":3.6799998,"end":4.0,"confidence":0.46118164,"punctuated_word":"Tommy","sentiment":"positive","sentiment_score":0.39387571811676025},{"word":"here","start":4.0,"end":4.24,"confidence":0.93530273,"punctuated_word":"here,","sentiment":"positive","sentiment_score":0.39755645394325256},{"word":"senior","start":4.24,"end":4.56,"confidence":0.9614258,"punctuated_word":"senior","sentiment":"neutral","sentiment_score":0.29974016547203064},{"word":"adviser","start":4.56,"end":4.88,"confidence":0.8510742,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.28865504264831543},{"word":"from","start":4.88,"end":5.38,"confidence":0.51135254,"punctuated_word":"from.","sentiment":"neutral","sentiment_score":0.298947811126709},{"word":"how","start":5.52,"end":5.7599998,"confidence":0.9741211,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.3800641894340515},{"word":"are","start":5.7599998,"end":5.8399997,"confidence":0.7583008,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.35973936319351196},{"word":"you","start":5.8399997,"end":5.92,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.353549599647522},{"word":"going","start":5.92,"end":6.16,"confidence":0.7524414,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.3844531774520874},{"word":"today","start":6.16,"end":6.66,"confidence":1.0,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.31853392720222473},{"word":"hey","start":8.0,"end":8.24,"confidence":0.7324219,"punctuated_word":"Hey.","sentiment":"positive","sentiment_score":0.37213194370269775},{"word":"good","start":8.24,"end":8.4,"confidence":0.8598633,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.5424416661262512},{"word":"morning","start":8.4,"end":8.72,"confidence":0.8552246,"punctuated_word":"morning,","sentiment":"positive","sentiment_score":0.4985376000404358},{"word":"patrick","start":8.72,"end":9.22,"confidence":0.5860596,"punctuated_word":"Patrick.","sentiment":"positive","sentiment_score":0.4971688985824585},{"word":"good","start":9.5199995,"end":9.679999,"confidence":0.99902344,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.683300256729126},{"word":"to","start":9.679999,"end":9.84,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6643394231796265},{"word":"hear","start":9.84,"end":10.0,"confidence":0.97631836,"punctuated_word":"hear.","sentiment":"positive","sentiment_score":0.5812870264053345},{"word":"good","start":10.0,"end":10.16,"confidence":0.9970703,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.5921348333358765},{"word":"to","start":10.16,"end":10.32,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5673822164535522},{"word":"hear","start":10.32,"end":10.48,"confidence":1.0,"punctuated_word":"hear.","sentiment":"positive","sentiment_score":0.5052409172058105},{"word":"i'm","start":10.48,"end":10.639999,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.21114830672740936},{"word":"just","start":10.639999,"end":10.88,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2284709066152573},{"word":"giving","start":10.88,"end":11.12,"confidence":1.0,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.1116524487733841},{"word":"you","start":11.12,"end":11.28,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10237111151218414},{"word":"a","start":11.28,"end":11.44,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1136900931596756},{"word":"call","start":11.44,"end":11.599999,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.152250275015831},{"word":"to","start":11.599999,"end":11.759999,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12974344193935394},{"word":"go","start":11.759999,"end":12.0,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.13672034442424774},{"word":"through","start":12.0,"end":12.4,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.16773273050785065},{"word":"the","start":12.4,"end":12.9,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19220367074012756},{"word":"property","start":13.28,"end":13.78,"confidence":0.87841797,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.18584276735782623},{"word":"self","start":14.265,"end":14.505,"confidence":0.58203125,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.21614418923854828},{"word":"managed","start":14.505,"end":14.745,"confidence":0.6323242,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.23221243917942047},{"word":"super","start":14.745,"end":15.145,"confidence":0.7260742,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.25335222482681274},{"word":"fund","start":15.145,"end":15.305,"confidence":0.69140625,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.26216834783554077},{"word":"discussion","start":15.305,"end":15.785,"confidence":0.9951172,"punctuated_word":"discussion","sentiment":"neutral","sentiment_score":0.17846469581127167},{"word":"with","start":15.785,"end":16.105,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14680713415145874},{"word":"you","start":16.105,"end":16.265,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16570918262004852},{"word":"and","start":16.265,"end":16.665,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11143676191568376},{"word":"viv","start":16.665,"end":16.985,"confidence":0.94555664,"punctuated_word":"Viv.","sentiment":"neutral","sentiment_score":0.14195142686367035},{"word":"are","start":16.985,"end":17.065,"confidence":0.9951172,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.035979922860860825},{"word":"you","start":17.065,"end":17.225,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0548519566655159},{"word":"still","start":17.225,"end":17.465,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.04460538178682327},{"word":"available","start":17.465,"end":17.965,"confidence":1.0,"punctuated_word":"available?","sentiment":"neutral","sentiment_score":0.04262830317020416},{"word":"yep","start":21.785,"end":22.285,"confidence":0.96069336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13104590773582458},{"word":"mate","start":22.505001,"end":22.744999,"confidence":0.9628906,"punctuated_word":"Mate,","sentiment":"neutral","sentiment_score":0.16994184255599976},{"word":"that's","start":22.744999,"end":23.065,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.23138678073883057},{"word":"no","start":23.065,"end":23.225,"confidence":0.9790039,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.2208678424358368},{"word":"worries","start":23.225,"end":23.545,"confidence":1.0,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.1660483032464981},{"word":"at","start":23.545,"end":23.705,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.22503088414669037},{"word":"all","start":23.705,"end":24.205,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.28121572732925415},{"word":"we're","start":24.744999,"end":24.985,"confidence":0.9057617,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.18097028136253357},{"word":"gonna","start":24.985,"end":25.305,"confidence":0.9536133,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1840306520462036},{"word":"go","start":25.305,"end":25.545,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.15891695022583008},{"word":"through","start":25.545,"end":26.045,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.13395991921424866},{"word":"some","start":26.52,"end":26.68,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.12242989987134932},{"word":"pretty","start":26.68,"end":27.0,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.16507340967655182},{"word":"specific","start":27.0,"end":27.5,"confidence":1.0,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":0.12355224788188934},{"word":"details","start":27.560001,"end":27.960001,"confidence":1.0,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.12958624958992004},{"word":"today","start":27.960001,"end":28.28,"confidence":0.99902344,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.13293777406215668},{"word":"are","start":28.28,"end":28.44,"confidence":0.99316406,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.03243429213762283},{"word":"you","start":28.44,"end":28.52,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06257236003875732},{"word":"okay","start":28.52,"end":28.76,"confidence":0.95947266,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.06403857469558716},{"word":"for","start":28.76,"end":28.84,"confidence":0.94970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06930505484342575},{"word":"me","start":28.84,"end":28.92,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.09738801419734956},{"word":"to","start":28.92,"end":29.0,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07337416708469391},{"word":"do","start":29.0,"end":29.16,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05254609510302544},{"word":"that","start":29.16,"end":29.32,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09234410524368286},{"word":"usual","start":29.32,"end":29.640001,"confidence":0.9838867,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":0.09641434252262115},{"word":"security","start":29.640001,"end":30.12,"confidence":0.99902344,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.015065938234329224},{"word":"check","start":30.12,"end":30.36,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.047956157475709915},{"word":"while","start":30.36,"end":30.52,"confidence":0.9892578,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.04540492594242096},{"word":"you","start":30.52,"end":30.6,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08316276222467422},{"word":"do","start":30.6,"end":30.76,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04740725457668304},{"word":"that","start":30.76,"end":31.26,"confidence":1.0,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.06787454336881638},{"word":"yep","start":34.28,"end":34.52,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11685117334127426},{"word":"i","start":34.52,"end":34.68,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10287529230117798},{"word":"just","start":34.68,"end":34.92,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12139223515987396},{"word":"need","start":34.92,"end":35.08,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.07706856727600098},{"word":"you","start":35.08,"end":35.24,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06310328841209412},{"word":"to","start":35.24,"end":35.4,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05992975831031799},{"word":"confirm","start":35.4,"end":35.8,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.049687474966049194},{"word":"date","start":35.8,"end":35.96,"confidence":0.9970703,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.060986585915088654},{"word":"of","start":35.96,"end":36.04,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.059414252638816833},{"word":"birth","start":36.04,"end":36.28,"confidence":1.0,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.059406861662864685},{"word":"and","start":36.28,"end":36.440002,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07154839485883713},{"word":"address","start":36.440002,"end":36.760002,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.07303252816200256},{"word":"when","start":36.760002,"end":36.92,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05719604343175888},{"word":"you","start":36.92,"end":37.0,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06854573637247086},{"word":"get","start":37.0,"end":37.24,"confidence":0.99121094,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0565028116106987},{"word":"it","start":37.24,"end":37.32,"confidence":0.56591797,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05452989786863327},{"word":"set","start":37.32,"end":37.82,"confidence":0.97265625,"punctuated_word":"set.","sentiment":"neutral","sentiment_score":0.057520776987075806},{"word":"mhmm","start":45.734997,"end":46.054996,"confidence":0.9863281,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.040441036224365234},{"word":"sensational","start":46.054996,"end":46.554996,"confidence":0.9703776,"punctuated_word":"Sensational.","sentiment":"neutral","sentiment_score":0.05846000835299492},{"word":"and","start":46.774998,"end":46.934998,"confidence":0.9873047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06978931277990341},{"word":"i'll","start":46.934998,"end":47.094997,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08217732608318329},{"word":"do","start":47.094997,"end":47.335,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0908719152212143},{"word":"just","start":47.335,"end":47.655,"confidence":0.9819336,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0907132625579834},{"word":"quickly","start":47.655,"end":47.975,"confidence":0.9951172,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.1037665158510208},{"word":"the","start":47.975,"end":48.135,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0730874091386795},{"word":"same","start":48.135,"end":48.375,"confidence":0.9921875,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.07074400782585144},{"word":"as","start":48.375,"end":48.534996,"confidence":0.4597168,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06576301157474518},{"word":"viv","start":48.534996,"end":48.695,"confidence":0.6171875,"punctuated_word":"Viv","sentiment":"neutral","sentiment_score":0.07940883934497833},{"word":"when","start":48.695,"end":48.854996,"confidence":0.96435547,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0979224294424057},{"word":"she","start":48.854996,"end":49.015,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.08868648111820221},{"word":"hops","start":49.015,"end":49.254997,"confidence":0.9921875,"punctuated_word":"hops","sentiment":"neutral","sentiment_score":0.07912978529930115},{"word":"on","start":49.254997,"end":49.414997,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07231110334396362},{"word":"as","start":49.414997,"end":49.574997,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0990922749042511},{"word":"well","start":49.574997,"end":50.074997,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.07566848397254944},{"word":"no","start":52.15,"end":52.31,"confidence":0.96435547,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.07947149872779846},{"word":"worries","start":52.31,"end":52.550003,"confidence":0.99902344,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.06919260323047638},{"word":"at","start":52.550003,"end":52.710003,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.048962388187646866},{"word":"all","start":52.710003,"end":53.210003,"confidence":0.99853516,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.08658406883478165},{"word":"perfect","start":79.9,"end":80.4,"confidence":0.8354492,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.34970539808273315},{"word":"hi","start":80.54,"end":80.86,"confidence":0.9951172,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.2036551833152771},{"word":"vivian","start":80.86,"end":81.18,"confidence":0.98811847,"punctuated_word":"Vivian.","sentiment":"neutral","sentiment_score":0.20025044679641724},{"word":"it's","start":81.18,"end":81.5,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.13967034220695496},{"word":"tommy","start":81.5,"end":81.740005,"confidence":0.9863281,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.16290557384490967},{"word":"here","start":81.740005,"end":81.98,"confidence":0.99365234,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.1600712537765503},{"word":"i'm","start":81.98,"end":82.060005,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.13359832763671875},{"word":"the","start":82.060005,"end":82.3,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12836304306983948},{"word":"senior","start":82.3,"end":82.54,"confidence":0.9604492,"punctuated_word":"senior","sentiment":"neutral","sentiment_score":0.12394721806049348},{"word":"adviser","start":82.54,"end":82.86,"confidence":0.72998047,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.1310279220342636},{"word":"at","start":82.86,"end":83.020004,"confidence":0.96875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1877695769071579},{"word":"oakview","start":83.020004,"end":83.42,"confidence":0.71028644,"punctuated_word":"Oakview.","sentiment":"neutral","sentiment_score":0.22645126283168793},{"word":"how","start":83.42,"end":83.5,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.24493545293807983},{"word":"are","start":83.5,"end":83.58,"confidence":0.76660156,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2355576604604721},{"word":"you","start":83.58,"end":83.66,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2267964482307434},{"word":"going","start":83.66,"end":83.9,"confidence":0.67871094,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.25136497616767883},{"word":"today","start":83.9,"end":84.4,"confidence":0.9941406,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.22377748787403107},{"word":"no","start":87.515,"end":87.835,"confidence":0.8461914,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.15714441239833832},{"word":"worries","start":87.835,"end":88.155,"confidence":0.8125,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.055261895060539246},{"word":"at","start":88.155,"end":88.315,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06550353020429611},{"word":"all","start":88.315,"end":88.795,"confidence":0.99902344,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.08002457022666931},{"word":"i","start":88.795,"end":89.035,"confidence":0.7260742,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0640954077243805},{"word":"had","start":89.035,"end":89.195,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.02066375687718391},{"word":"a","start":89.195,"end":89.355,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05007416382431984},{"word":"free","start":89.355,"end":89.595,"confidence":0.99609375,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.07129819691181183},{"word":"hour","start":89.595,"end":89.915,"confidence":0.99902344,"punctuated_word":"hour","sentiment":"neutral","sentiment_score":0.05809782445430755},{"word":"before","start":89.915,"end":90.155,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.04913901537656784},{"word":"the","start":90.155,"end":90.235,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029346171766519547},{"word":"end","start":90.235,"end":90.395004,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.04557027667760849},{"word":"of","start":90.395004,"end":90.475,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06829582154750824},{"word":"the","start":90.475,"end":90.635,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0630948543548584},{"word":"week","start":90.635,"end":90.955,"confidence":0.87475586,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.06047993898391723},{"word":"so","start":90.955,"end":91.455,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07880204170942307},{"word":"why","start":91.755005,"end":91.995,"confidence":0.99902344,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.023339994251728054},{"word":"not","start":91.995,"end":92.495,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.04606623947620392},{"word":"fork","start":92.635,"end":93.135,"confidence":0.75146484,"punctuated_word":"fork","sentiment":"neutral","sentiment_score":0.020508497953414917},{"word":"legislation","start":93.675,"end":94.175,"confidence":0.9980469,"punctuated_word":"legislation","sentiment":"neutral","sentiment_score":0.007804699242115021},{"word":"changes","start":94.315,"end":94.635,"confidence":0.9970703,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.02951769530773163},{"word":"and","start":94.635,"end":94.795,"confidence":0.90234375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04130994528532028},{"word":"all","start":94.795,"end":94.955,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.10948143899440764},{"word":"the","start":94.955,"end":95.035,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10350032150745392},{"word":"fun","start":95.035,"end":95.275,"confidence":0.9589844,"punctuated_word":"fun","sentiment":"neutral","sentiment_score":0.09453952312469482},{"word":"of","start":95.275,"end":95.435,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11935983598232268},{"word":"property","start":95.435,"end":95.835,"confidence":0.98291016,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.10395580530166626},{"word":"and","start":95.835,"end":95.995,"confidence":0.86328125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0859004557132721},{"word":"super","start":95.995,"end":96.495,"confidence":0.78564453,"punctuated_word":"super?","sentiment":"neutral","sentiment_score":0.10083667933940887},{"word":"do","start":97.915,"end":98.155,"confidence":0.9863281,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.009131595492362976},{"word":"you","start":98.155,"end":98.315,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011013813316822052},{"word":"mind","start":98.315,"end":98.635,"confidence":1.0,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.004490699619054794},{"word":"if","start":98.635,"end":98.795,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02670605108141899},{"word":"i","start":98.795,"end":98.875,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03799555078148842},{"word":"just","start":98.875,"end":99.115005,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.025293368846178055},{"word":"quickly","start":99.115005,"end":99.515,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.04054463654756546},{"word":"check","start":99.515,"end":99.835,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.019127480685710907},{"word":"security","start":99.835,"end":100.235,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":-0.012649904936552048},{"word":"with","start":100.235,"end":100.395004,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.009458210319280624},{"word":"you","start":100.395004,"end":100.555,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.035084422677755356},{"word":"just","start":100.555,"end":100.795,"confidence":0.77246094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03361046686768532},{"word":"because","start":100.795,"end":100.955,"confidence":0.9838867,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.027022287249565125},{"word":"i'm","start":100.955,"end":101.195,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03830185532569885},{"word":"gonna","start":101.195,"end":101.52,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.05039245635271072},{"word":"take","start":101.52,"end":101.759995,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.058106835931539536},{"word":"into","start":101.759995,"end":102.0,"confidence":0.99609375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.05414783954620361},{"word":"account","start":102.0,"end":102.24,"confidence":0.99609375,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.04790967330336571},{"word":"your","start":102.24,"end":102.56,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04989982396364212},{"word":"personal","start":102.56,"end":102.96,"confidence":0.99316406,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.03329600766301155},{"word":"details","start":102.96,"end":103.35999,"confidence":0.9951172,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.03529908135533333},{"word":"too","start":103.35999,"end":103.85999,"confidence":0.91845703,"punctuated_word":"too?","sentiment":"neutral","sentiment_score":0.03587563335895538},{"word":"so","start":104.799995,"end":105.119995,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.009890133515000343},{"word":"i","start":105.119995,"end":105.35999,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.025160711258649823},{"word":"just","start":105.35999,"end":105.67999,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0203157477080822},{"word":"need","start":105.67999,"end":105.92,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.013265129178762436},{"word":"your","start":105.92,"end":106.079994,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01347375102341175},{"word":"date","start":106.079994,"end":106.2,"confidence":0.99902344,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.019710179418325424},{"word":"of","start":106.2,"end":106.32,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011553673073649406},{"word":"birth","start":106.32,"end":106.64,"confidence":1.0,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.016797209158539772},{"word":"and","start":106.64,"end":106.71999,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02332405000925064},{"word":"address","start":106.71999,"end":107.119995,"confidence":0.98950195,"punctuated_word":"address,","sentiment":"neutral","sentiment_score":0.020043659955263134},{"word":"please","start":107.119995,"end":107.619995,"confidence":0.9633789,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.012231544591486454},{"word":"perfect","start":120.435005,"end":120.835,"confidence":0.89624023,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4176559448242187},{"word":"thank","start":120.835,"end":121.075005,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.556503176689148},{"word":"you","start":121.075005,"end":121.315,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5835052132606506},{"word":"so","start":121.315,"end":121.475,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5780550837516785},{"word":"much","start":121.475,"end":121.715004,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.599540114402771},{"word":"for","start":121.715004,"end":121.875,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5771865248680115},{"word":"that","start":121.875,"end":122.195,"confidence":0.9838867,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5412251949310303},{"word":"and","start":122.195,"end":122.695,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2797045409679413},{"word":"just","start":122.835,"end":122.995,"confidence":0.79541016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1396486908197403},{"word":"so","start":122.995,"end":123.155,"confidence":0.96777344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1617262214422226},{"word":"you","start":123.155,"end":123.235,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.196005254983902},{"word":"know","start":123.235,"end":123.395004,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.11178477108478546},{"word":"who","start":123.395004,"end":123.555,"confidence":0.9951172,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.02350357174873352},{"word":"you","start":123.555,"end":123.635,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05181482434272766},{"word":"were","start":123.635,"end":123.875,"confidence":0.48388672,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.0285356305539608},{"word":"talking","start":123.875,"end":124.195,"confidence":0.99902344,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.1350506991147995},{"word":"to","start":124.195,"end":124.435,"confidence":0.97753906,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.13152126967906952},{"word":"i'm","start":124.435,"end":124.675,"confidence":0.99365234,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.10175260156393053},{"word":"registered","start":124.675,"end":125.075005,"confidence":0.9970703,"punctuated_word":"registered","sentiment":"neutral","sentiment_score":0.09566593915224075},{"word":"with","start":125.075005,"end":125.315,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16535592079162598},{"word":"asic","start":125.315,"end":125.635,"confidence":0.30444336,"punctuated_word":"Asic","sentiment":"neutral","sentiment_score":0.14648038148880005},{"word":"as","start":125.635,"end":125.795,"confidence":0.9536133,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1729779839515686},{"word":"adviser","start":125.795,"end":126.275,"confidence":0.8076172,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.15070480108261108},{"word":"1273105","start":126.275,"end":128.16,"confidence":0.9501953,"punctuated_word":"1273105,","sentiment":"neutral","sentiment_score":0.16666442155838013},{"word":"and","start":128.40001,"end":128.64,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17219887673854828},{"word":"all","start":128.64,"end":128.96,"confidence":0.99316406,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1379958987236023},{"word":"the","start":128.96,"end":129.12001,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00516616553068161},{"word":"recalls","start":129.12001,"end":129.62001,"confidence":0.6225586,"punctuated_word":"recalls","sentiment":"neutral","sentiment_score":-0.00015171058475971222},{"word":"calls","start":130.08,"end":130.32,"confidence":0.98535156,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":-0.005507860332727432},{"word":"are","start":130.32,"end":130.48001,"confidence":0.92822266,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.003216370940208435},{"word":"recorded","start":130.48001,"end":130.96,"confidence":0.99902344,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":0.019832462072372437},{"word":"for","start":130.96,"end":131.12001,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.025813374668359756},{"word":"training","start":131.12001,"end":131.52,"confidence":1.0,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.0575684942305088},{"word":"and","start":131.52,"end":131.6,"confidence":0.7714844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.036617211997509},{"word":"quality","start":131.6,"end":132.0,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.0122452974319458},{"word":"purposes","start":132.0,"end":132.5,"confidence":0.9975586,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.052568934857845306},{"word":"awesome","start":134.48001,"end":134.98001,"confidence":0.9848633,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.00626766262575984},{"word":"now","start":135.04001,"end":135.16,"confidence":0.9873047,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04479358717799187},{"word":"so","start":135.28,"end":135.52,"confidence":0.9921875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0293206050992012},{"word":"based","start":135.52,"end":135.76001,"confidence":0.99609375,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.031909070909023285},{"word":"on","start":135.76001,"end":135.92,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.057016246020793915},{"word":"the","start":135.92,"end":136.08,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.050582386553287506},{"word":"notes","start":136.08,"end":136.40001,"confidence":0.84228516,"punctuated_word":"notes,","sentiment":"neutral","sentiment_score":0.02910756506025791},{"word":"guys","start":136.40001,"end":136.90001,"confidence":0.9694824,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":0.029105693101882935},{"word":"bit","start":137.04001,"end":137.44,"confidence":0.5004883,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.01476583257317543},{"word":"of","start":137.44,"end":137.94,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.010404258966445925},{"word":"urgency","start":138.16,"end":138.66,"confidence":0.97314453,"punctuated_word":"urgency","sentiment":"neutral","sentiment_score":0.0140063539147377},{"word":"here","start":138.88,"end":139.38,"confidence":0.86743164,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.03411116823554039},{"word":"i","start":139.52,"end":139.68001,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05637972801923752},{"word":"believe","start":139.68001,"end":140.08,"confidence":1.0,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":0.05095753073692322},{"word":"you","start":140.08,"end":140.32,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07073730230331421},{"word":"guys","start":140.32,"end":140.56,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.09766006469726562},{"word":"have","start":140.56,"end":140.72,"confidence":0.99121094,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07427718490362167},{"word":"possibly","start":140.72,"end":141.2,"confidence":0.9980469,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.09796471148729324},{"word":"found","start":141.2,"end":141.44,"confidence":0.99316406,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.08516450226306915},{"word":"a","start":141.44,"end":141.6,"confidence":0.63720703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09269899129867554},{"word":"property","start":141.6,"end":142.08,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.06075448915362358},{"word":"and","start":142.08,"end":142.32,"confidence":0.93408203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0707864835858345},{"word":"are","start":142.32,"end":142.40001,"confidence":0.83251953,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06736649572849274},{"word":"looking","start":142.40001,"end":142.72,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.0726391151547432},{"word":"to","start":142.72,"end":142.935,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10173100233078004},{"word":"purchase","start":143.095,"end":143.415,"confidence":1.0,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.07264609634876251},{"word":"through","start":143.415,"end":143.735,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.089883953332901},{"word":"super","start":143.735,"end":144.055,"confidence":0.72094727,"punctuated_word":"Super.","sentiment":"neutral","sentiment_score":0.13357079029083252},{"word":"is","start":144.055,"end":144.135,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.10532602667808531},{"word":"that","start":144.135,"end":144.375,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12389674782752992},{"word":"right","start":144.375,"end":144.875,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.11663587391376495},{"word":"awesome","start":147.095,"end":147.575,"confidence":0.9890137,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.6242952346801758},{"word":"so","start":147.575,"end":148.075,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2705097794532776},{"word":"couple","start":148.295,"end":148.535,"confidence":0.74365234,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1916876584291458},{"word":"of","start":148.535,"end":148.61499,"confidence":0.89990234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19103868305683136},{"word":"things","start":148.61499,"end":148.935,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2156185805797577},{"word":"i","start":148.935,"end":149.015,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15557605028152466},{"word":"need","start":149.015,"end":149.175,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.18786105513572693},{"word":"to","start":149.175,"end":149.255,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08284351974725723},{"word":"go","start":149.255,"end":149.495,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09059003740549088},{"word":"through","start":149.495,"end":149.735,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1853703111410141},{"word":"with","start":149.735,"end":149.895,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15884052217006683},{"word":"you","start":149.895,"end":150.395,"confidence":0.9655762,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.17362800240516665},{"word":"i've","start":150.61499,"end":150.855,"confidence":0.9121094,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.05059071630239487},{"word":"already","start":150.855,"end":151.095,"confidence":0.99902344,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.07867959141731262},{"word":"looked","start":151.095,"end":151.255,"confidence":0.99902344,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.04470512643456459},{"word":"at","start":151.255,"end":151.33499,"confidence":0.9790039,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08187979459762573},{"word":"both","start":151.33499,"end":151.575,"confidence":0.9980469,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.06637580692768097},{"word":"of","start":151.575,"end":151.655,"confidence":0.5600586,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07617424428462982},{"word":"your","start":151.655,"end":151.815,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.055275000631809235},{"word":"files","start":151.815,"end":152.055,"confidence":0.99609375,"punctuated_word":"files","sentiment":"neutral","sentiment_score":0.04837699607014656},{"word":"and","start":152.055,"end":152.215,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04071073979139328},{"word":"had","start":152.215,"end":152.33499,"confidence":0.96875,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.030559120699763295},{"word":"a","start":152.33499,"end":152.455,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.054351966828107834},{"word":"bit","start":152.455,"end":152.61499,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05539033189415932},{"word":"of","start":152.61499,"end":152.69499,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05174848437309265},{"word":"an","start":152.69499,"end":152.935,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.04894283786416054},{"word":"idea","start":152.935,"end":153.415,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.0649234727025032},{"word":"and","start":153.415,"end":153.655,"confidence":0.94140625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06108000501990318},{"word":"a","start":153.655,"end":153.735,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.115966796875},{"word":"few","start":153.735,"end":154.135,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.0955379158258438},{"word":"list","start":154.135,"end":154.375,"confidence":0.84228516,"punctuated_word":"list","sentiment":"neutral","sentiment_score":0.12744253873825073},{"word":"of","start":154.375,"end":154.455,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10264146327972412},{"word":"things","start":154.455,"end":154.775,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.08435995876789093},{"word":"i","start":154.775,"end":154.855,"confidence":0.98095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08205407857894897},{"word":"wanted","start":154.855,"end":155.255,"confidence":0.86328125,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.054901983588933945},{"word":"to","start":155.255,"end":155.33499,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06056869775056839},{"word":"cover","start":155.33499,"end":155.83499,"confidence":0.7504883,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.05422753840684891},{"word":"but","start":156.1,"end":156.42,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.04539767652750015},{"word":"just","start":156.42,"end":156.74,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03295006975531578},{"word":"let","start":156.74,"end":156.90001,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.04882651939988136},{"word":"me","start":156.90001,"end":157.06,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06568591296672821},{"word":"know","start":157.06,"end":157.14,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.05784869194030762},{"word":"where","start":157.14,"end":157.38,"confidence":0.8671875,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.044638969004154205},{"word":"you're","start":157.38,"end":157.46,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05995746701955795},{"word":"up","start":157.46,"end":157.62,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.05557587742805481},{"word":"to","start":157.62,"end":157.78,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.059664156287908554},{"word":"at","start":157.78,"end":157.86,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0704353079199791},{"word":"the","start":157.86,"end":158.02,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09981594979763032},{"word":"moment","start":158.02,"end":158.34,"confidence":0.93310547,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.1001877337694168},{"word":"so","start":158.34,"end":158.5,"confidence":0.9741211,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.041403524577617645},{"word":"you've","start":158.5,"end":158.74,"confidence":0.87280273,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.037768881767988205},{"word":"found","start":158.74,"end":158.98,"confidence":1.0,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.04874726012349129},{"word":"a","start":158.98,"end":159.14,"confidence":0.9760742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03547556698322296},{"word":"property","start":159.14,"end":159.64,"confidence":0.9309082,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.03321509808301926},{"word":"have","start":159.86,"end":160.1,"confidence":1.0,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.02061332575976849},{"word":"you","start":160.1,"end":160.26001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02642810344696045},{"word":"engaged","start":160.26001,"end":160.58,"confidence":0.9980469,"punctuated_word":"engaged","sentiment":"neutral","sentiment_score":0.013788990676403046},{"word":"with","start":160.58,"end":160.74,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.013717643916606905},{"word":"any","start":160.74,"end":161.06,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.01369499135762453},{"word":"accountants","start":161.06,"end":161.46,"confidence":0.921875,"punctuated_word":"accountants","sentiment":"neutral","sentiment_score":0.010865655727684498},{"word":"or","start":161.46,"end":161.62,"confidence":0.9902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.002311117947101593},{"word":"brokers","start":161.62,"end":162.02,"confidence":0.9980469,"punctuated_word":"brokers","sentiment":"neutral","sentiment_score":0.017882566899061203},{"word":"at","start":162.02,"end":162.1,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.008643429726362228},{"word":"the","start":162.1,"end":162.18001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024684514850378036},{"word":"moment","start":162.18001,"end":162.68001,"confidence":0.9995117,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.00874323584139347},{"word":"no","start":163.94,"end":164.26001,"confidence":0.98291016,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17899158596992493},{"word":"no","start":164.26001,"end":164.5,"confidence":0.9597168,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.30362433195114136},{"word":"i","start":164.5,"end":164.66,"confidence":0.72802734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2863333225250244},{"word":"don't","start":164.66,"end":165.16,"confidence":0.6853841,"punctuated_word":"don't.","sentiment":"neutral","sentiment_score":-0.2238121032714844},{"word":"okay","start":165.46,"end":165.96,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.03890129551291466},{"word":"alrighty","start":166.26001,"end":166.76001,"confidence":0.9983724,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.013998953625559809},{"word":"can","start":167.3,"end":167.54001,"confidence":0.92822266,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.022336142137646675},{"word":"you","start":167.54001,"end":167.7,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025975102558732033},{"word":"walk","start":167.7,"end":167.86,"confidence":1.0,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.0414067879319191},{"word":"me","start":167.86,"end":168.1,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.032511137425899506},{"word":"through","start":168.1,"end":168.26001,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.028551390394568443},{"word":"the","start":168.26001,"end":168.42,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01169097051024437},{"word":"property","start":168.42,"end":168.74,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.0128990039229393},{"word":"that","start":168.74,"end":168.90001,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0200861394405365},{"word":"you","start":168.90001,"end":169.06,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009379075840115547},{"word":"found","start":169.06,"end":169.38,"confidence":0.75097656,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.0010094903409481049},{"word":"just","start":169.38,"end":169.54001,"confidence":0.93603516,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.009376326575875282},{"word":"in","start":169.54001,"end":169.7,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01265023648738861},{"word":"terms","start":169.7,"end":170.02,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.013874156400561333},{"word":"of","start":170.02,"end":170.385,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01961088366806507},{"word":"how","start":170.545,"end":170.78499,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.002869820222258568},{"word":"much","start":170.78499,"end":171.28499,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.000034440308809280396},{"word":"the","start":172.385,"end":172.625,"confidence":0.7939453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.002161579206585884},{"word":"the","start":172.625,"end":172.78499,"confidence":0.9506836,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004983613267540932},{"word":"purchase","start":172.78499,"end":173.185,"confidence":0.9980469,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":-0.01368030533194542},{"word":"price","start":173.185,"end":173.42499,"confidence":1.0,"punctuated_word":"price","sentiment":"neutral","sentiment_score":-0.029874056577682495},{"word":"of","start":173.42499,"end":173.58499,"confidence":0.50097656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00705375149846077},{"word":"the","start":173.58499,"end":173.665,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.010021157562732697},{"word":"property","start":173.665,"end":174.165,"confidence":0.99560547,"punctuated_word":"property?","sentiment":"neutral","sentiment_score":-0.002528661862015724},{"word":"yep","start":179.985,"end":180.485,"confidence":0.98291016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.007321055047214031},{"word":"yep","start":187.08,"end":187.58,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01877167448401451},{"word":"yep","start":218.72,"end":219.22,"confidence":0.8671875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.159380242228508},{"word":"yep","start":233.885,"end":234.28499,"confidence":0.79833984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10132982581853868},{"word":"absolutely","start":234.28499,"end":234.78499,"confidence":0.99902344,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.15535485744476318},{"word":"so","start":235.00499,"end":235.50499,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06787210702896118},{"word":"where","start":236.19,"end":236.43001,"confidence":0.9658203,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.035228170454502106},{"word":"i'll","start":236.43001,"end":236.59001,"confidence":0.9836426,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05514031648635864},{"word":"start","start":236.59001,"end":236.83,"confidence":0.9970703,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.04515938460826874},{"word":"with","start":236.83,"end":236.99,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04088602960109711},{"word":"that","start":236.99,"end":237.15001,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04792340099811554},{"word":"is","start":237.15001,"end":237.47,"confidence":0.9658203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.035812411457300186},{"word":"the","start":237.47,"end":237.97,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05710554867982864},{"word":"5%","start":238.03001,"end":238.67001,"confidence":0.9995117,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.05452695116400719},{"word":"that","start":238.67001,"end":238.75,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0411934070289135},{"word":"you","start":238.75,"end":238.91,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03302750736474991},{"word":"were","start":238.91,"end":239.07,"confidence":0.9091797,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.01699507236480713},{"word":"just","start":239.07,"end":239.23001,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.022776592522859573},{"word":"talking","start":239.23001,"end":239.47,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.016269244253635406},{"word":"about","start":239.47,"end":239.71,"confidence":0.8034668,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":0.013494635000824928},{"word":"was","start":239.71,"end":239.95001,"confidence":0.9902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.003566659986972809},{"word":"that","start":239.95001,"end":240.19,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02031878381967545},{"word":"what","start":240.19,"end":240.35,"confidence":0.98291016,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.009622063487768171},{"word":"you","start":240.35,"end":240.51001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.000356525182723999},{"word":"were","start":240.51001,"end":240.59001,"confidence":0.99121094,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.013467129319906236},{"word":"thinking","start":240.59001,"end":240.91,"confidence":1.0,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.0095045268535614},{"word":"if","start":240.91,"end":241.07,"confidence":0.97314453,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0006024371832609177},{"word":"you","start":241.07,"end":241.15001,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004629679024219513},{"word":"were","start":241.15001,"end":241.39,"confidence":0.74658203,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.002834655344486237},{"word":"purchasing","start":241.39,"end":241.79001,"confidence":1.0,"punctuated_word":"purchasing","sentiment":"neutral","sentiment_score":-0.0006650537252426147},{"word":"it","start":241.79001,"end":242.03,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.014252997934818268},{"word":"personally","start":242.03,"end":242.53,"confidence":0.9499512,"punctuated_word":"personally?","sentiment":"neutral","sentiment_score":0.0045623015612363815},{"word":"oh","start":246.59001,"end":246.75,"confidence":0.85791016,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.004347112961113453},{"word":"for","start":246.75,"end":246.99,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.009715842083096504},{"word":"a","start":246.99,"end":247.07,"confidence":0.9589844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01110560353845358},{"word":"deposit","start":247.07,"end":247.55,"confidence":0.88623047,"punctuated_word":"deposit.","sentiment":"neutral","sentiment_score":-0.015332690440118313},{"word":"sorry","start":247.55,"end":247.79001,"confidence":0.99365234,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.03925224393606186},{"word":"was","start":247.79001,"end":248.03,"confidence":0.99609375,"punctuated_word":"Was","sentiment":"neutral","sentiment_score":-0.03036099672317505},{"word":"it","start":248.03,"end":248.19,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01594838872551918},{"word":"a","start":248.19,"end":248.27,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.014640793204307556},{"word":"5%","start":248.27,"end":248.83,"confidence":1.0,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":-0.01107032410800457},{"word":"deposit","start":248.83,"end":249.23001,"confidence":1.0,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":-0.00870143249630928},{"word":"to","start":249.23001,"end":249.39,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.014368455857038498},{"word":"purchase","start":249.39,"end":249.71,"confidence":0.9980469,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":-0.007249712944030762},{"word":"it","start":249.71,"end":249.95001,"confidence":0.9770508,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.004034869372844696},{"word":"directly","start":249.95001,"end":250.45001,"confidence":0.9995117,"punctuated_word":"directly?","sentiment":"neutral","sentiment_score":-0.01108383946120739},{"word":"yep","start":252.645,"end":253.04501,"confidence":0.7318115,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04972405359148979},{"word":"okay","start":253.04501,"end":253.365,"confidence":0.99365234,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1012105867266655},{"word":"cool","start":253.365,"end":253.765,"confidence":0.99902344,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.13599644601345062},{"word":"so","start":253.765,"end":254.265,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05631466954946518},{"word":"when","start":254.405,"end":254.645,"confidence":0.97314453,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05381976068019867},{"word":"it","start":254.645,"end":254.80501,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.059673890471458435},{"word":"comes","start":254.80501,"end":255.30501,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.05939526483416557},{"word":"to","start":256.005,"end":256.245,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06501060724258423},{"word":"purchasing","start":256.245,"end":256.745,"confidence":0.9902344,"punctuated_word":"purchasing","sentiment":"neutral","sentiment_score":0.06281861662864685},{"word":"through","start":256.805,"end":257.20502,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.03866855427622795},{"word":"super","start":257.20502,"end":257.70502,"confidence":0.8322754,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.07726053893566132},{"word":"i'll","start":258.245,"end":258.48502,"confidence":0.9116211,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07444088160991669},{"word":"give","start":258.48502,"end":258.64502,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.07577180862426758},{"word":"you","start":258.64502,"end":259.14502,"confidence":0.9182129,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.07901576161384583},{"word":"i","start":259.365,"end":259.445,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0554688535630703},{"word":"guess","start":259.445,"end":259.765,"confidence":0.94628906,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.09004518389701843},{"word":"in","start":259.765,"end":259.92502,"confidence":0.92089844,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0890292227268219},{"word":"layman's","start":259.92502,"end":260.325,"confidence":0.98616534,"punctuated_word":"layman's","sentiment":"neutral","sentiment_score":0.06251777708530426},{"word":"terms","start":260.325,"end":260.64502,"confidence":0.9941406,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.07177472114562988},{"word":"how","start":260.64502,"end":260.885,"confidence":0.63623047,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.06312224268913269},{"word":"the","start":260.885,"end":261.045,"confidence":0.95410156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07779699563980103},{"word":"structure","start":261.045,"end":261.525,"confidence":0.9980469,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.05955911800265312},{"word":"works","start":261.525,"end":262.025,"confidence":0.9836426,"punctuated_word":"works.","sentiment":"neutral","sentiment_score":0.05683398246765137},{"word":"are","start":262.165,"end":262.325,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.019009245559573177},{"word":"you","start":262.325,"end":262.565,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01939138025045395},{"word":"familiar","start":262.565,"end":262.965,"confidence":1.0,"punctuated_word":"familiar","sentiment":"neutral","sentiment_score":0.0030790194869041443},{"word":"at","start":262.965,"end":263.125,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0030959248542785645},{"word":"all","start":263.125,"end":263.365,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.004382103681564331},{"word":"with","start":263.365,"end":263.845,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.00440073199570179},{"word":"the","start":263.845,"end":264.005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007280757650732994},{"word":"structure","start":264.005,"end":264.405,"confidence":0.99902344,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.003492390736937523},{"word":"of","start":264.405,"end":264.565,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.013534264639019966},{"word":"self","start":264.565,"end":264.805,"confidence":0.97509766,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.020111598074436188},{"word":"managed","start":264.805,"end":265.125,"confidence":0.94189453,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.016243599355220795},{"word":"super","start":265.125,"end":265.445,"confidence":0.9760742,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.044007185846567154},{"word":"funds","start":265.445,"end":265.945,"confidence":0.7890625,"punctuated_word":"funds?","sentiment":"neutral","sentiment_score":0.03423231840133667},{"word":"so","start":268.73,"end":269.13,"confidence":0.48657227,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04146174341440201},{"word":"i'll","start":269.13,"end":269.37,"confidence":0.984375,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05755385756492615},{"word":"give","start":269.37,"end":269.53,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.06307800859212875},{"word":"you","start":269.53,"end":269.69,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07019484043121338},{"word":"the","start":269.69,"end":269.85,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06664209067821503},{"word":"full","start":269.85,"end":270.09,"confidence":0.99902344,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.1278025358915329},{"word":"breakdown","start":270.09,"end":270.59,"confidence":0.779541,"punctuated_word":"breakdown,","sentiment":"neutral","sentiment_score":0.08963051438331604},{"word":"and","start":270.73,"end":270.89,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1067708283662796},{"word":"then","start":270.89,"end":271.13,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10095132887363434},{"word":"we'll","start":271.13,"end":271.29,"confidence":0.99609375,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.09473395347595216},{"word":"kind","start":271.29,"end":271.45,"confidence":0.96972656,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.12029491364955902},{"word":"of","start":271.45,"end":271.61002,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09975415468215942},{"word":"step","start":271.61002,"end":271.85,"confidence":0.99121094,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.0977097600698471},{"word":"through","start":271.85,"end":272.17,"confidence":0.99121094,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07148081809282303},{"word":"pros","start":272.17,"end":272.49002,"confidence":0.8540039,"punctuated_word":"pros,","sentiment":"neutral","sentiment_score":0.015147805213928224},{"word":"cons","start":272.49002,"end":272.73,"confidence":0.84521484,"punctuated_word":"cons,","sentiment":"neutral","sentiment_score":-0.000010883435606956482},{"word":"and","start":272.73,"end":272.89,"confidence":0.8720703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05165538936853409},{"word":"what's","start":272.89,"end":273.29,"confidence":0.99853516,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.013730255886912346},{"word":"possible","start":273.29,"end":273.69,"confidence":0.99902344,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":-0.012115202844142914},{"word":"and","start":273.69,"end":273.77002,"confidence":0.71972656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.012487426400184631},{"word":"what's","start":273.77002,"end":274.09,"confidence":0.99902344,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.045764580368995667},{"word":"not","start":274.09,"end":274.59,"confidence":0.99560547,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.029127078130841255},{"word":"so","start":274.89,"end":275.39,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07035262882709503},{"word":"to","start":275.85,"end":276.09,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04977957531809807},{"word":"create","start":276.09,"end":276.59,"confidence":1.0,"punctuated_word":"create","sentiment":"neutral","sentiment_score":0.04906882718205452},{"word":"a","start":276.65002,"end":277.05002,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09350334107875824},{"word":"super","start":277.05002,"end":277.37,"confidence":0.98291016,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.09465602040290833},{"word":"fund","start":277.37,"end":277.87,"confidence":0.98046875,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.06409681588411331},{"word":"you","start":278.57,"end":278.81,"confidence":0.91503906,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06460629403591156},{"word":"essentially","start":278.81,"end":279.31,"confidence":0.99316406,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.07645834982395172},{"word":"need","start":279.37,"end":279.53,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.06709063798189163},{"word":"to","start":279.53,"end":280.03,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08012085407972336},{"word":"create","start":280.25,"end":280.65002,"confidence":1.0,"punctuated_word":"create","sentiment":"neutral","sentiment_score":0.06965140998363495},{"word":"the","start":280.65002,"end":280.81,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.082343690097332},{"word":"entities","start":280.81,"end":281.31,"confidence":0.9658203,"punctuated_word":"entities","sentiment":"neutral","sentiment_score":0.051043957471847534},{"word":"that","start":282.06497,"end":282.22498,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08236381411552429},{"word":"become","start":282.22498,"end":282.625,"confidence":0.9980469,"punctuated_word":"become","sentiment":"neutral","sentiment_score":0.06174363940954208},{"word":"that","start":282.625,"end":283.025,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11330106109380722},{"word":"trustee","start":283.025,"end":283.50497,"confidence":0.80371094,"punctuated_word":"trustee,","sentiment":"neutral","sentiment_score":0.06388944387435913},{"word":"that","start":283.50497,"end":283.66498,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0862908735871315},{"word":"become","start":283.66498,"end":284.06497,"confidence":0.9951172,"punctuated_word":"become","sentiment":"neutral","sentiment_score":0.06854815036058426},{"word":"that","start":284.06497,"end":284.305,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10510815680027008},{"word":"fund","start":284.305,"end":284.78497,"confidence":0.9519043,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.05590030923485756},{"word":"so","start":284.78497,"end":284.94498,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.057199712842702866},{"word":"you","start":284.94498,"end":285.10498,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06875501573085785},{"word":"guys","start":285.10498,"end":285.34497,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.09782907366752625},{"word":"are","start":285.34497,"end":285.425,"confidence":0.87597656,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06774196028709412},{"word":"with","start":285.425,"end":285.66498,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07678164541721344},{"word":"hub","start":285.66498,"end":286.06497,"confidence":0.69555664,"punctuated_word":"Hub.","sentiment":"neutral","sentiment_score":0.08138195425271988},{"word":"they","start":286.06497,"end":286.22498,"confidence":0.99902344,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.06769038736820221},{"word":"are","start":286.22498,"end":286.38498,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05125320702791214},{"word":"a","start":286.38498,"end":286.54498,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06233673915266991},{"word":"trustee","start":286.54498,"end":287.04498,"confidence":0.9838867,"punctuated_word":"trustee.","sentiment":"neutral","sentiment_score":0.05826990306377411},{"word":"you're","start":287.185,"end":287.425,"confidence":0.99609375,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.0582001768052578},{"word":"gonna","start":287.425,"end":287.745,"confidence":0.9086914,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.07885013520717621},{"word":"create","start":287.745,"end":288.06497,"confidence":0.9951172,"punctuated_word":"create","sentiment":"neutral","sentiment_score":0.05561811476945877},{"word":"one","start":288.06497,"end":288.305,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07264044135808945},{"word":"of","start":288.305,"end":288.38498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.056485310196876526},{"word":"those","start":288.38498,"end":288.88498,"confidence":0.9970703,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":0.07052947580814362},{"word":"so","start":289.10498,"end":289.26498,"confidence":0.9838867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08183300495147705},{"word":"what","start":289.26498,"end":289.50497,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0965183526277542},{"word":"that","start":289.50497,"end":289.745,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10095242410898209},{"word":"basically","start":289.745,"end":290.22498,"confidence":0.98535156,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.07970820367336273},{"word":"entails","start":290.22498,"end":290.72498,"confidence":0.81396484,"punctuated_word":"entails","sentiment":"neutral","sentiment_score":0.07323619723320007},{"word":"is","start":291.26498,"end":291.745,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05626339092850685},{"word":"you","start":291.745,"end":292.06497,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06771689653396606},{"word":"engage","start":292.06497,"end":292.54498,"confidence":0.9951172,"punctuated_word":"engage","sentiment":"neutral","sentiment_score":0.059898048639297485},{"word":"an","start":292.54498,"end":292.865,"confidence":0.85058594,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.05739640444517136},{"word":"accountant","start":292.865,"end":293.365,"confidence":0.9482422,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":0.04884377121925354},{"word":"to","start":293.985,"end":294.22498,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04411572217941284},{"word":"create","start":294.22498,"end":294.625,"confidence":1.0,"punctuated_word":"create","sentiment":"neutral","sentiment_score":0.04941101744771004},{"word":"a","start":294.625,"end":294.865,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.053463589400053024},{"word":"trust","start":294.865,"end":295.34497,"confidence":0.9980469,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":0.0629635900259018},{"word":"fund","start":295.34497,"end":295.84497,"confidence":0.9970703,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.038830146193504333},{"word":"and","start":296.22,"end":296.46002,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.044068802148103714},{"word":"a","start":296.46002,"end":296.78,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05005781352519989},{"word":"trustee","start":296.78,"end":297.28,"confidence":0.9814453,"punctuated_word":"trustee.","sentiment":"neutral","sentiment_score":0.04613982141017914},{"word":"so","start":297.82,"end":298.06,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.041739244014024734},{"word":"usually","start":298.06,"end":298.46002,"confidence":0.54833984,"punctuated_word":"usually,","sentiment":"neutral","sentiment_score":0.049516916275024414},{"word":"it's","start":298.46002,"end":298.62003,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04135379195213318},{"word":"a","start":298.62003,"end":298.78,"confidence":0.96435547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03696105629205704},{"word":"company","start":298.78,"end":299.28,"confidence":0.8708496,"punctuated_word":"company,","sentiment":"neutral","sentiment_score":0.028873290866613388},{"word":"a","start":299.34,"end":299.5,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.030870452523231503},{"word":"trust","start":299.5,"end":299.82,"confidence":0.9970703,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":0.03517787903547287},{"word":"in","start":299.82,"end":299.98,"confidence":0.79296875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03123382106423378},{"word":"a","start":299.98,"end":300.14,"confidence":0.5732422,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03619428724050522},{"word":"company","start":300.14,"end":300.64,"confidence":1.0,"punctuated_word":"company","sentiment":"neutral","sentiment_score":0.03402838110923767},{"word":"that","start":301.02002,"end":301.26,"confidence":0.5810547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.044646382331848145},{"word":"creates","start":301.26,"end":301.66,"confidence":0.99121094,"punctuated_word":"creates","sentiment":"neutral","sentiment_score":0.03810238838195801},{"word":"your","start":301.66,"end":301.98,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0515691302716732},{"word":"entity","start":301.98,"end":302.48,"confidence":0.984375,"punctuated_word":"entity","sentiment":"neutral","sentiment_score":0.05677896738052368},{"word":"of","start":302.86002,"end":303.1,"confidence":0.984375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06007056683301926},{"word":"a","start":303.1,"end":303.26,"confidence":0.9506836,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.038091279566287994},{"word":"super","start":303.26,"end":303.58002,"confidence":0.86279297,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.05891191214323044},{"word":"fund","start":303.58002,"end":304.08002,"confidence":0.8833008,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.03974922001361847},{"word":"with","start":304.54,"end":304.78,"confidence":0.8691406,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.0259405430406332},{"word":"me","start":304.78,"end":304.94,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.029317444190382957},{"word":"so","start":304.94,"end":305.18002,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.020164985209703445},{"word":"far","start":305.18002,"end":305.68002,"confidence":0.99902344,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.0248512364923954},{"word":"yep","start":307.34,"end":307.84,"confidence":0.9020996,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03529737889766693},{"word":"now","start":307.90002,"end":308.40002,"confidence":0.99121094,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.005522135645151138},{"word":"from","start":308.54,"end":308.78,"confidence":0.9770508,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.03215142339468002},{"word":"that","start":308.78,"end":309.1,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02766503393650055},{"word":"point","start":309.1,"end":309.585,"confidence":0.9980469,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":-0.022975916042923927},{"word":"you","start":310.145,"end":310.38498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.026761051267385483},{"word":"do","start":310.38498,"end":310.625,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.024958577007055283},{"word":"need","start":310.625,"end":310.865,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.02527273446321487},{"word":"to","start":310.865,"end":311.10498,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.031265974044799805},{"word":"create","start":311.10498,"end":311.60498,"confidence":1.0,"punctuated_word":"create","sentiment":"neutral","sentiment_score":-0.04733195900917053},{"word":"another","start":311.745,"end":312.245,"confidence":0.99609375,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.030163463205099102},{"word":"bear","start":312.625,"end":312.94498,"confidence":0.5527344,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":-0.02941257506608963},{"word":"trust","start":312.94498,"end":313.44498,"confidence":0.9980469,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":-0.026111509650945663},{"word":"and","start":313.585,"end":313.82498,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05798002704977989},{"word":"bear","start":313.82498,"end":314.145,"confidence":0.98828125,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":-0.015256308019161224},{"word":"trustee","start":314.145,"end":314.645,"confidence":0.8322754,"punctuated_word":"trustee,","sentiment":"neutral","sentiment_score":-0.024655388668179512},{"word":"which","start":315.10498,"end":315.26498,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.029135435819625854},{"word":"is","start":315.26498,"end":315.505,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.028761330991983417},{"word":"to","start":315.505,"end":315.66498,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.031051557511091232},{"word":"hold","start":315.66498,"end":315.985,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.06974580883979797},{"word":"the","start":315.985,"end":316.145,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04285909980535507},{"word":"loan","start":316.145,"end":316.54498,"confidence":0.7487793,"punctuated_word":"loan.","sentiment":"neutral","sentiment_score":-0.06885064393281937},{"word":"because","start":316.54498,"end":316.865,"confidence":0.99902344,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.05727018043398857},{"word":"what","start":316.865,"end":317.10498,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08374525606632233},{"word":"they're","start":317.10498,"end":317.345,"confidence":0.9951172,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.11821848154067992},{"word":"banning","start":317.345,"end":317.745,"confidence":0.97265625,"punctuated_word":"banning","sentiment":"neutral","sentiment_score":-0.218173086643219},{"word":"at","start":317.745,"end":317.905,"confidence":0.9838867,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2438768595457077},{"word":"the","start":317.905,"end":318.065,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22894112765789032},{"word":"moment","start":318.065,"end":318.565,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.20886558294296265},{"word":"after","start":318.865,"end":319.185,"confidence":0.78466797,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.19922500848770144},{"word":"that","start":319.185,"end":319.505,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1615975797176361},{"word":"forty","start":319.505,"end":319.82498,"confidence":1.0,"punctuated_word":"forty","sentiment":"neutral","sentiment_score":-0.18040303885936737},{"word":"five","start":319.82498,"end":320.065,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.10869109630584715},{"word":"day","start":320.065,"end":320.305,"confidence":0.99609375,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.1237771287560463},{"word":"cutoff","start":320.305,"end":320.805,"confidence":0.87353516,"punctuated_word":"cutoff","sentiment":"neutral","sentiment_score":-0.10508820414543152},{"word":"is","start":321.26498,"end":321.505,"confidence":0.9770508,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11991962045431136},{"word":"called","start":321.505,"end":321.985,"confidence":1.0,"punctuated_word":"called","sentiment":"neutral","sentiment_score":-0.09722390025854112},{"word":"lrba","start":321.985,"end":322.485,"confidence":0.94189453,"punctuated_word":"LRBA,","sentiment":"neutral","sentiment_score":-0.09837503731250764},{"word":"limited","start":323.10498,"end":323.585,"confidence":0.96435547,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":-0.10639321804046632},{"word":"recourse","start":323.585,"end":324.065,"confidence":0.99121094,"punctuated_word":"recourse","sentiment":"neutral","sentiment_score":-0.1069231778383255},{"word":"borrowing","start":324.065,"end":324.465,"confidence":0.97802734,"punctuated_word":"borrowing","sentiment":"neutral","sentiment_score":-0.096230149269104},{"word":"arrangement","start":324.465,"end":324.965,"confidence":0.9836426,"punctuated_word":"arrangement.","sentiment":"neutral","sentiment_score":-0.09607815742492676},{"word":"in","start":325.39,"end":325.63,"confidence":1.0,"punctuated_word":"In","sentiment":"neutral","sentiment_score":-0.04210156202316284},{"word":"order","start":325.63,"end":325.95,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":-0.03219836205244064},{"word":"to","start":325.95,"end":326.11002,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02318407967686653},{"word":"borrow","start":326.11002,"end":326.51,"confidence":1.0,"punctuated_word":"borrow","sentiment":"neutral","sentiment_score":-0.023041874170303345},{"word":"money","start":326.51,"end":326.75,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.004614159464836121},{"word":"with","start":326.75,"end":326.99002,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.017537012696266174},{"word":"your","start":326.99002,"end":327.31,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.019305873662233353},{"word":"super","start":327.31,"end":327.81,"confidence":0.9916992,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.005145195871591568},{"word":"you","start":328.11002,"end":328.35,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.027706269174814224},{"word":"need","start":328.35,"end":328.59,"confidence":0.97802734,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0266866572201252},{"word":"to","start":328.59,"end":328.75,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03149540349841118},{"word":"go","start":328.75,"end":328.99002,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.0411750003695488},{"word":"through","start":328.99002,"end":329.23,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.036435894668102264},{"word":"this","start":329.23,"end":329.55002,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.01639169082045555},{"word":"extra","start":329.55002,"end":329.95,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.03826523199677467},{"word":"structure","start":329.95,"end":330.45,"confidence":0.9230957,"punctuated_word":"structure,","sentiment":"neutral","sentiment_score":-0.03322799503803253},{"word":"which","start":330.67,"end":330.91,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.023864835500717163},{"word":"is","start":330.91,"end":331.15002,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.00710093230009079},{"word":"basically","start":331.15002,"end":331.65002,"confidence":0.9453125,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.004099566489458084},{"word":"another","start":332.11002,"end":332.59,"confidence":0.9707031,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.027789536863565445},{"word":"trust","start":332.59,"end":332.83002,"confidence":0.99902344,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":-0.01315419003367424},{"word":"in","start":332.83002,"end":333.07,"confidence":0.6557617,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.014925386756658554},{"word":"another","start":333.07,"end":333.39,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.02324073016643524},{"word":"company","start":333.39,"end":333.89,"confidence":1.0,"punctuated_word":"company","sentiment":"neutral","sentiment_score":-0.03379470109939575},{"word":"holds","start":333.95,"end":334.35,"confidence":0.5996094,"punctuated_word":"holds","sentiment":"neutral","sentiment_score":-0.04518251121044159},{"word":"the","start":334.35,"end":334.51,"confidence":0.95410156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04880399256944656},{"word":"loan","start":334.51,"end":335.01,"confidence":0.9902344,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.05623499304056168},{"word":"a","start":335.23,"end":335.31,"confidence":0.6586914,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05470043420791626},{"word":"little","start":335.31,"end":335.55002,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.043395522981882095},{"word":"bit","start":335.55002,"end":335.79,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05646748095750809},{"word":"off","start":335.79,"end":335.95,"confidence":0.99609375,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.04651333764195442},{"word":"to","start":335.95,"end":336.11002,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.050421640276908875},{"word":"the","start":336.11002,"end":336.27002,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03452504426240921},{"word":"side","start":336.27002,"end":336.77002,"confidence":0.83691406,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":-0.0353812500834465},{"word":"so","start":336.99002,"end":337.15002,"confidence":0.9003906,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.020573783665895466},{"word":"you","start":337.15002,"end":337.31,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020662978291511536},{"word":"have","start":337.31,"end":337.55002,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03630075603723526},{"word":"two","start":337.55002,"end":337.79,"confidence":0.9873047,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.03731296956539154},{"word":"trust","start":337.79,"end":338.19,"confidence":0.9970703,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":0.04085337370634079},{"word":"funds","start":338.19,"end":338.67,"confidence":0.8691406,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.053298335522413254},{"word":"and","start":338.67,"end":338.91,"confidence":0.8305664,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03708904981613159},{"word":"two","start":338.91,"end":339.23,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.04505748301744461},{"word":"companies","start":339.23,"end":339.73,"confidence":0.9790039,"punctuated_word":"companies.","sentiment":"neutral","sentiment_score":0.032540760934352875},{"word":"does","start":339.95,"end":340.19,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.04930153861641884},{"word":"that","start":340.19,"end":340.35,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06944799423217773},{"word":"make","start":340.35,"end":340.51,"confidence":0.98828125,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.03720197081565857},{"word":"sense","start":340.51,"end":341.01,"confidence":0.99902344,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.015834109857678413},{"word":"cool","start":342.60498,"end":343.005,"confidence":0.8598633,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.3138880133628845},{"word":"so","start":343.005,"end":343.245,"confidence":0.9267578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2343747913837433},{"word":"that","start":343.245,"end":343.485,"confidence":0.97998047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24966388940811157},{"word":"usually","start":343.485,"end":343.965,"confidence":0.9980469,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.2665649652481079},{"word":"costs","start":343.965,"end":344.465,"confidence":0.8828125,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":0.21871259808540344},{"word":"anywhere","start":344.685,"end":345.085,"confidence":0.88720703,"punctuated_word":"anywhere","sentiment":"neutral","sentiment_score":0.2877369225025177},{"word":"between","start":345.085,"end":345.565,"confidence":0.97094727,"punctuated_word":"between,","sentiment":"neutral","sentiment_score":0.19490039348602295},{"word":"i","start":345.565,"end":345.645,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20939446985721588},{"word":"guess","start":345.645,"end":345.965,"confidence":0.98657227,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.18267413973808289},{"word":"2","start":345.965,"end":346.205,"confidence":0.9970703,"punctuated_word":"2","sentiment":"neutral","sentiment_score":0.157725989818573},{"word":"and","start":346.205,"end":346.365,"confidence":0.90234375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14365780353546145},{"word":"5,000","start":346.365,"end":347.085,"confidence":0.9980469,"punctuated_word":"5,000","sentiment":"neutral","sentiment_score":0.1983673870563507},{"word":"through","start":347.085,"end":347.32498,"confidence":0.60009766,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14053091406822205},{"word":"the","start":347.32498,"end":347.485,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1627756506204605},{"word":"super","start":347.485,"end":347.88498,"confidence":0.75634766,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.17091014981269836},{"word":"fund","start":347.88498,"end":348.38498,"confidence":0.76904297,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.15947496891021729},{"word":"i","start":349.245,"end":349.405,"confidence":0.89990234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11647175252437592},{"word":"know","start":349.405,"end":349.645,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1070517674088478},{"word":"some","start":349.645,"end":349.965,"confidence":0.8989258,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08519726246595383},{"word":"accountants","start":349.965,"end":350.365,"confidence":0.96606445,"punctuated_word":"accountants","sentiment":"neutral","sentiment_score":0.09039093554019928},{"word":"like","start":350.365,"end":350.60498,"confidence":0.24658203,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07647757232189178},{"word":"to","start":350.60498,"end":350.685,"confidence":0.7973633,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12238100171089172},{"word":"charge","start":350.685,"end":351.005,"confidence":0.6826172,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":0.12779681384563446},{"word":"you","start":351.005,"end":351.16498,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07863007485866547},{"word":"directly","start":351.16498,"end":351.565,"confidence":1.0,"punctuated_word":"directly","sentiment":"neutral","sentiment_score":0.04642318934202194},{"word":"and","start":351.565,"end":351.72498,"confidence":0.60498047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07584311068058014},{"word":"you","start":351.72498,"end":351.805,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09139597415924072},{"word":"have","start":351.805,"end":351.965,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.048340268433094025},{"word":"to","start":351.965,"end":352.125,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06096162647008896},{"word":"reimburse","start":352.125,"end":352.625,"confidence":0.9741211,"punctuated_word":"reimburse","sentiment":"neutral","sentiment_score":0.05817069113254547},{"word":"yourself","start":352.685,"end":353.085,"confidence":0.91064453,"punctuated_word":"yourself,","sentiment":"neutral","sentiment_score":0.07742248475551605},{"word":"but","start":353.085,"end":353.32498,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07309721410274506},{"word":"some","start":353.32498,"end":353.485,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.10797575861215591},{"word":"of","start":353.485,"end":353.645,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13161684572696686},{"word":"them","start":353.645,"end":353.805,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.07824262231588364},{"word":"will","start":353.805,"end":353.965,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.11199401319026948},{"word":"let","start":353.965,"end":354.205,"confidence":0.9970703,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.10792279988527298},{"word":"you","start":354.205,"end":354.44498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14351534843444824},{"word":"just","start":354.44498,"end":354.93,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.124993197619915},{"word":"set","start":355.00998,"end":355.25,"confidence":0.99902344,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.11247143149375916},{"word":"it","start":355.25,"end":355.33002,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14449545741081238},{"word":"up","start":355.33002,"end":355.41,"confidence":0.7915039,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.11553303897380827},{"word":"and","start":355.41,"end":355.65,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10747508704662324},{"word":"then","start":355.65,"end":355.88998,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12865474820137024},{"word":"once","start":355.88998,"end":356.13,"confidence":0.9941406,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.12569370865821838},{"word":"it's","start":356.13,"end":356.37,"confidence":0.9946289,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1488780677318573},{"word":"all","start":356.37,"end":356.69,"confidence":0.984375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1585647165775299},{"word":"established","start":356.69,"end":357.19,"confidence":0.9946289,"punctuated_word":"established,","sentiment":"neutral","sentiment_score":0.13469737768173218},{"word":"you","start":357.41,"end":357.57,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17960456013679504},{"word":"can","start":357.57,"end":357.81,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1363193392753601},{"word":"kind","start":357.81,"end":357.88998,"confidence":0.94189453,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11044451594352722},{"word":"of","start":357.88998,"end":358.05,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14632703363895416},{"word":"just","start":358.05,"end":358.21,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09490252286195756},{"word":"pay","start":358.21,"end":358.44998,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.08540837466716766},{"word":"their","start":358.44998,"end":358.69,"confidence":0.9873047,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.04404212534427643},{"word":"invoices","start":358.69,"end":359.16998,"confidence":0.9980469,"punctuated_word":"invoices","sentiment":"neutral","sentiment_score":0.10294925421476364},{"word":"through","start":359.16998,"end":359.57,"confidence":0.99121094,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09044763445854188},{"word":"superfunds","start":359.57,"end":360.07,"confidence":0.7877197,"punctuated_word":"Superfunds.","sentiment":"neutral","sentiment_score":0.09384389221668243},{"word":"cool","start":362.13,"end":362.53,"confidence":0.68969727,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.42988938093185425},{"word":"so","start":362.53,"end":362.77,"confidence":0.9951172,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.34409719705581665},{"word":"you","start":362.77,"end":362.85,"confidence":0.92333984,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3768191933631897},{"word":"get","start":362.85,"end":363.00998,"confidence":0.97802734,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.37485700845718384},{"word":"your","start":363.00998,"end":363.09,"confidence":0.9667969,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3718971610069275},{"word":"four","start":363.09,"end":363.33,"confidence":0.96777344,"punctuated_word":"four","sentiment":"positive","sentiment_score":0.36037111282348633},{"word":"entities","start":363.33,"end":363.72998,"confidence":0.9165039,"punctuated_word":"entities","sentiment":"neutral","sentiment_score":0.30385860800743103},{"word":"set","start":363.72998,"end":363.88998,"confidence":0.97998047,"punctuated_word":"set","sentiment":"positive","sentiment_score":0.3356623351573944},{"word":"up","start":363.88998,"end":364.13,"confidence":0.89819336,"punctuated_word":"up.","sentiment":"positive","sentiment_score":0.3729894161224365},{"word":"that's","start":364.13,"end":364.28998,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.30228424072265625},{"word":"what","start":364.28998,"end":364.44998,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2965973913669586},{"word":"the","start":364.44998,"end":364.61,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3030107617378235},{"word":"accountant","start":364.61,"end":365.09,"confidence":0.93408203,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":0.28009286522865295},{"word":"does","start":365.09,"end":365.33,"confidence":0.84521484,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.2633620500564575},{"word":"obviously","start":365.33,"end":365.72998,"confidence":0.95410156,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.15482869744300842},{"word":"brokers","start":365.72998,"end":366.21,"confidence":0.9790039,"punctuated_word":"brokers","sentiment":"neutral","sentiment_score":0.13022981584072113},{"word":"to","start":366.21,"end":366.37,"confidence":0.62841797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0932214930653572},{"word":"do","start":366.37,"end":366.61,"confidence":0.8105469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09848026931285858},{"word":"lending","start":366.61,"end":367.11,"confidence":0.7832031,"punctuated_word":"lending.","sentiment":"neutral","sentiment_score":0.08978190273046494},{"word":"normally","start":367.49,"end":367.97,"confidence":0.7729492,"punctuated_word":"Normally,","sentiment":"neutral","sentiment_score":0.09900051355361938},{"word":"with","start":367.97,"end":368.47,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1785496473312378},{"word":"superfund","start":369.725,"end":370.205,"confidence":0.76171875,"punctuated_word":"Superfund","sentiment":"neutral","sentiment_score":0.20268040895462036},{"word":"lending","start":370.205,"end":370.525,"confidence":0.79003906,"punctuated_word":"lending,","sentiment":"neutral","sentiment_score":0.14251282811164856},{"word":"it","start":370.525,"end":370.685,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12516166269779205},{"word":"used","start":370.685,"end":370.925,"confidence":1.0,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.05705370008945465},{"word":"to","start":370.925,"end":371.005,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11636136472225188},{"word":"be","start":371.005,"end":371.165,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14350566267967224},{"word":"a","start":371.165,"end":371.325,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15767966210842133},{"word":"50%","start":371.325,"end":372.045,"confidence":0.9995117,"punctuated_word":"50%","sentiment":"neutral","sentiment_score":0.11219322681427002},{"word":"deposit","start":372.045,"end":372.545,"confidence":0.93530273,"punctuated_word":"deposit,","sentiment":"neutral","sentiment_score":0.07955940067768097},{"word":"but","start":372.76498,"end":373.005,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.10924588143825532},{"word":"these","start":373.005,"end":373.325,"confidence":0.9560547,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.25917840003967285},{"word":"days","start":373.325,"end":373.645,"confidence":0.7548828,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":0.2915913462638855},{"word":"20%","start":373.645,"end":374.445,"confidence":0.9995117,"punctuated_word":"20%","sentiment":"positive","sentiment_score":0.5186312198638916},{"word":"is","start":374.445,"end":374.525,"confidence":0.8178711,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4125901460647583},{"word":"pretty","start":374.525,"end":374.76498,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4912244081497192},{"word":"good","start":374.76498,"end":375.26498,"confidence":0.98657227,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.33447688817977905},{"word":"and","start":375.405,"end":375.905,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.31169864535331726},{"word":"based","start":376.285,"end":376.605,"confidence":0.98095703,"punctuated_word":"based","sentiment":"positive","sentiment_score":0.3642340302467346},{"word":"on","start":376.605,"end":376.845,"confidence":0.9941406,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.46287769079208374},{"word":"800,000","start":376.845,"end":377.905,"confidence":0.99869794,"punctuated_word":"800,000","sentiment":"positive","sentiment_score":0.41022729873657227},{"word":"and","start":378.365,"end":378.525,"confidence":0.9350586,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4198155105113983},{"word":"the","start":378.525,"end":378.685,"confidence":0.95166016,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4159562885761261},{"word":"balance","start":378.685,"end":379.085,"confidence":0.9951172,"punctuated_word":"balance","sentiment":"positive","sentiment_score":0.3878119885921478},{"word":"that","start":379.085,"end":379.245,"confidence":0.98535156,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4114917516708374},{"word":"you","start":379.245,"end":379.485,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4004390835762024},{"word":"guys","start":379.485,"end":379.725,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"positive","sentiment_score":0.3650075495243073},{"word":"have","start":379.725,"end":379.965,"confidence":0.9645996,"punctuated_word":"have,","sentiment":"positive","sentiment_score":0.3778560757637024},{"word":"which","start":379.965,"end":380.205,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4028213620185852},{"word":"is","start":380.205,"end":380.365,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3597203195095062},{"word":"about","start":380.365,"end":380.76498,"confidence":0.99121094,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.3540322482585907},{"word":"$3.75","start":380.76498,"end":381.885,"confidence":0.99731445,"punctuated_word":"$3.75","sentiment":"positive","sentiment_score":0.3729637861251831},{"word":"combined","start":381.885,"end":382.385,"confidence":0.95654297,"punctuated_word":"combined,","sentiment":"positive","sentiment_score":0.44981008768081665},{"word":"little","start":383.23,"end":383.47,"confidence":0.6665039,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.4649104177951813},{"word":"bit","start":383.47,"end":383.55002,"confidence":0.98095703,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.47787660360336304},{"word":"in","start":383.55002,"end":383.79,"confidence":0.9951172,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4859054982662201},{"word":"caresuper","start":383.79,"end":384.29,"confidence":0.6036784,"punctuated_word":"CareSuper,","sentiment":"positive","sentiment_score":0.3540829122066498},{"word":"20%","start":385.95,"end":386.59,"confidence":0.9145508,"punctuated_word":"20%","sentiment":"positive","sentiment_score":0.5678970217704773},{"word":"deposit","start":386.59,"end":386.91,"confidence":0.9716797,"punctuated_word":"deposit","sentiment":"positive","sentiment_score":0.4146626889705658},{"word":"is","start":386.91,"end":386.99002,"confidence":0.7416992,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.34838181734085083},{"word":"not","start":386.99002,"end":387.07,"confidence":1.0,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.38473427295684814},{"word":"gonna","start":387.07,"end":387.31,"confidence":0.8642578,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.3859636187553406},{"word":"be","start":387.31,"end":387.39,"confidence":0.9941406,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.35052061080932617},{"word":"a","start":387.39,"end":387.47,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3337113857269287},{"word":"problem","start":387.47,"end":387.87,"confidence":1.0,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.3867688775062561},{"word":"for","start":387.87,"end":388.03,"confidence":0.9902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2933228313922882},{"word":"you","start":388.03,"end":388.19,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13097058236598969},{"word":"guys","start":388.19,"end":388.69,"confidence":0.99316406,"punctuated_word":"guys.","sentiment":"neutral","sentiment_score":0.13145649433135986},{"word":"k","start":391.55002,"end":392.05002,"confidence":0.76342773,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.07985258102416992},{"word":"now","start":392.11002,"end":392.61002,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.105885811150074},{"word":"i","start":392.83002,"end":392.99002,"confidence":0.8173828,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13670313358306885},{"word":"believe","start":392.99002,"end":393.39,"confidence":1.0,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":0.1337333768606186},{"word":"your","start":393.39,"end":393.63,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14627884328365326},{"word":"incomes","start":393.63,"end":394.03,"confidence":0.66259766,"punctuated_word":"incomes,","sentiment":"neutral","sentiment_score":0.152025505900383},{"word":"you're","start":394.03,"end":394.27002,"confidence":0.9760742,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.19036714732646945},{"word":"both","start":394.27002,"end":394.75,"confidence":0.99902344,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.15747715532779694},{"word":"pretty","start":394.75,"end":394.99002,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.19591182470321655},{"word":"well","start":394.99002,"end":395.47,"confidence":0.99902344,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.21815116703510284},{"word":"6","start":395.47,"end":395.71002,"confidence":0.93847656,"punctuated_word":"6","sentiment":"neutral","sentiment_score":0.2011640667915344},{"word":"figures","start":395.71002,"end":396.11002,"confidence":0.9970703,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":0.301415354013443},{"word":"in","start":396.11002,"end":396.27002,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20931068062782288},{"word":"terms","start":396.27002,"end":396.51,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.2324402928352356},{"word":"of","start":396.51,"end":396.59,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21846701204776764},{"word":"income","start":396.59,"end":396.99002,"confidence":0.8835449,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.15991884469985962},{"word":"i","start":396.99002,"end":397.07,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11355625092983246},{"word":"think","start":397.07,"end":397.39,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1152106672525406},{"word":"combined","start":397.39,"end":397.79,"confidence":0.96240234,"punctuated_word":"combined","sentiment":"neutral","sentiment_score":0.2167133241891861},{"word":"household","start":397.79,"end":398.27002,"confidence":0.9838867,"punctuated_word":"household","sentiment":"neutral","sentiment_score":0.16484707593917847},{"word":"income's","start":398.27002,"end":398.75,"confidence":0.58496094,"punctuated_word":"income's","sentiment":"neutral","sentiment_score":0.18362991511821747},{"word":"over","start":398.75,"end":399.045,"confidence":0.99121094,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.24980562925338745},{"word":"200","start":399.045,"end":399.70502,"confidence":0.99560547,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.1992583125829697},{"word":"thousand","start":400.72504,"end":401.22504,"confidence":0.9824219,"punctuated_word":"thousand.","sentiment":"neutral","sentiment_score":0.13782700896263125},{"word":"cool","start":402.24503,"end":402.74503,"confidence":0.93652344,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.07372277975082397},{"word":"so","start":402.80502,"end":403.045,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0844280868768692},{"word":"in","start":403.045,"end":403.20502,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05834820866584778},{"word":"terms","start":403.20502,"end":403.445,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.04948307201266289},{"word":"of","start":403.445,"end":403.68503,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0907241702079773},{"word":"serviceability","start":403.68503,"end":404.18503,"confidence":0.9635417,"punctuated_word":"serviceability,","sentiment":"neutral","sentiment_score":0.09710484743118286},{"word":"rather","start":404.96503,"end":405.36502,"confidence":1.0,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":0.04535261541604996},{"word":"than","start":405.36502,"end":405.52502,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.02850195020437241},{"word":"going","start":405.52502,"end":405.845,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.057218387722969055},{"word":"off","start":405.845,"end":406.005,"confidence":0.85131836,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":0.04334767162799835},{"word":"like","start":406.005,"end":406.24503,"confidence":0.99194336,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.054884474724531174},{"word":"your","start":406.24503,"end":406.565,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.056475620716810226},{"word":"direct","start":406.565,"end":406.96503,"confidence":0.99902344,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":0.008475907146930695},{"word":"income","start":406.96503,"end":407.36502,"confidence":0.81591797,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.046294551342725754},{"word":"as","start":407.36502,"end":407.52502,"confidence":0.8857422,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04377388581633568},{"word":"if","start":407.52502,"end":407.685,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0697324126958847},{"word":"you","start":407.685,"end":407.845,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06000351905822754},{"word":"were","start":407.845,"end":408.24503,"confidence":0.77685547,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.04758692532777786},{"word":"owning","start":408.24503,"end":408.565,"confidence":0.94384766,"punctuated_word":"owning","sentiment":"neutral","sentiment_score":0.04397597908973694},{"word":"another","start":408.565,"end":409.045,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.05136045813560486},{"word":"property","start":409.045,"end":409.445,"confidence":0.99902344,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.022433161735534668},{"word":"of","start":409.445,"end":409.605,"confidence":0.8730469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02211066335439682},{"word":"loan","start":409.605,"end":410.105,"confidence":0.9814453,"punctuated_word":"loan,","sentiment":"neutral","sentiment_score":0.03242098540067673},{"word":"they're","start":410.405,"end":410.64502,"confidence":0.9980469,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.0727241188287735},{"word":"going","start":410.64502,"end":410.885,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.11659138649702072},{"word":"off","start":410.885,"end":411.045,"confidence":0.99902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.08242444694042206},{"word":"your","start":411.045,"end":411.285,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12242500483989716},{"word":"super","start":411.285,"end":411.605,"confidence":0.9970703,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.13543888926506042},{"word":"contributions","start":411.605,"end":412.105,"confidence":0.53564453,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.08766283094882965},{"word":"and","start":412.72998,"end":412.88998,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12931129336357117},{"word":"the","start":412.88998,"end":413.13,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10282142460346222},{"word":"rent","start":413.13,"end":413.44998,"confidence":0.97802734,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":0.08371433615684509},{"word":"in","start":413.44998,"end":413.61,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0962086021900177},{"word":"terms","start":413.61,"end":413.85,"confidence":0.99902344,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.11162827908992767},{"word":"of","start":413.85,"end":414.09,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1418219357728958},{"word":"cash","start":414.09,"end":414.41,"confidence":0.99902344,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.09277965128421783},{"word":"flow","start":414.41,"end":414.65,"confidence":0.9291992,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.18719837069511416},{"word":"and","start":414.65,"end":414.88998,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13080352544784546},{"word":"serviceability","start":414.88998,"end":415.38998,"confidence":0.96972656,"punctuated_word":"serviceability.","sentiment":"neutral","sentiment_score":0.07801495492458344},{"word":"so","start":416.25,"end":416.49,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07421299815177917},{"word":"your","start":416.49,"end":416.99,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09795528650283812},{"word":"employer","start":417.77,"end":418.27,"confidence":0.9921875,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":0.08050742745399475},{"word":"contribution","start":418.33,"end":418.83,"confidence":0.7055664,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.0923670381307602},{"word":"and","start":419.13,"end":419.29,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14291946589946747},{"word":"the","start":419.29,"end":419.53,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13487091660499573},{"word":"rent","start":419.53,"end":419.93,"confidence":0.99316406,"punctuated_word":"rent,","sentiment":"neutral","sentiment_score":0.10354070365428925},{"word":"that's","start":419.93,"end":420.16998,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.10220154374837875},{"word":"what","start":420.16998,"end":420.41,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09187456965446472},{"word":"they","start":420.41,"end":420.57,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.08343848586082458},{"word":"take","start":420.57,"end":420.81,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.09113769233226776},{"word":"into","start":420.81,"end":421.13,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.07173376530408859},{"word":"account","start":421.13,"end":421.63,"confidence":0.99902344,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.07901840656995773},{"word":"for","start":421.69,"end":421.93,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08403929322957993},{"word":"the","start":421.93,"end":422.09,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06332939863204956},{"word":"servicing","start":422.09,"end":422.57,"confidence":1.0,"punctuated_word":"servicing","sentiment":"neutral","sentiment_score":0.08917544782161713},{"word":"of","start":422.57,"end":422.72998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09220962971448898},{"word":"the","start":422.72998,"end":422.88998,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08876704424619675},{"word":"loan","start":422.88998,"end":423.13,"confidence":0.99902344,"punctuated_word":"loan.","sentiment":"neutral","sentiment_score":0.04601579159498215},{"word":"does","start":423.13,"end":423.37,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.10090753436088562},{"word":"that","start":423.37,"end":423.53,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17293334007263184},{"word":"make","start":423.53,"end":423.69,"confidence":0.9921875,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1261296570301056},{"word":"sense","start":423.69,"end":424.19,"confidence":0.9995117,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.10991501063108444},{"word":"cool","start":426.265,"end":426.58502,"confidence":0.9555664,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4553515911102295},{"word":"so","start":426.58502,"end":427.08502,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.307948499917984},{"word":"on","start":427.225,"end":427.625,"confidence":0.96875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3159482181072235},{"word":"paper","start":427.625,"end":428.125,"confidence":0.98706055,"punctuated_word":"paper,","sentiment":"neutral","sentiment_score":0.2768501341342926},{"word":"the","start":428.58502,"end":428.905,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3965403437614441},{"word":"property","start":428.905,"end":429.385,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.2988821864128113},{"word":"purchase","start":429.385,"end":429.70502,"confidence":0.9921875,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.19015860557556152},{"word":"price","start":429.70502,"end":430.105,"confidence":0.99121094,"punctuated_word":"price,","sentiment":"neutral","sentiment_score":0.26190710067749023},{"word":"the","start":430.105,"end":430.265,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29174572229385376},{"word":"funds","start":430.265,"end":430.58502,"confidence":0.97314453,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.24984312057495117},{"word":"that","start":430.58502,"end":430.745,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3376816213130951},{"word":"you've","start":430.745,"end":430.98502,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.3148534893989563},{"word":"got","start":430.98502,"end":431.465,"confidence":0.89501953,"punctuated_word":"got,","sentiment":"positive","sentiment_score":0.34232592582702637},{"word":"income","start":431.465,"end":431.785,"confidence":0.9091797,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.3399874269962311},{"word":"and","start":431.785,"end":431.945,"confidence":0.8984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31893783807754517},{"word":"contributions","start":431.945,"end":432.445,"confidence":0.8886719,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.24137797951698303},{"word":"that","start":432.58502,"end":432.745,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3683548271656037},{"word":"you've","start":432.745,"end":432.98502,"confidence":0.9975586,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.3613518178462982},{"word":"got","start":432.98502,"end":433.465,"confidence":0.9890137,"punctuated_word":"got,","sentiment":"positive","sentiment_score":0.35224437713623047},{"word":"i","start":433.465,"end":433.70502,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3247942328453064},{"word":"don't","start":433.70502,"end":434.025,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.2584453821182251},{"word":"see","start":434.025,"end":434.185,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.19145676493644712},{"word":"any","start":434.185,"end":434.42502,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.14383769035339355},{"word":"problems","start":434.42502,"end":434.905,"confidence":1.0,"punctuated_word":"problems","sentiment":"neutral","sentiment_score":0.1276467591524124},{"word":"with","start":434.905,"end":435.305,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17869804799556732},{"word":"800,000","start":435.305,"end":436.285,"confidence":0.99820966,"punctuated_word":"800,000.","sentiment":"neutral","sentiment_score":0.15435759723186493},{"word":"k","start":439.32,"end":439.82,"confidence":0.6870117,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.07384288311004639},{"word":"now","start":439.88,"end":440.38,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08400936424732208},{"word":"in","start":440.6,"end":440.75998,"confidence":0.9291992,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06964845210313797},{"word":"terms","start":440.75998,"end":441.24,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.05367357283830643},{"word":"of","start":441.24,"end":441.74,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08192098140716553},{"word":"the","start":441.8,"end":442.03998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0882454365491867},{"word":"advice","start":442.03998,"end":442.53998,"confidence":0.984375,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.06906194984912872},{"word":"process","start":442.6,"end":443.0,"confidence":1.0,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.06202143430709839},{"word":"for","start":443.0,"end":443.24,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10483944416046144},{"word":"us","start":443.24,"end":443.47998,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.06746010482311249},{"word":"to","start":443.47998,"end":443.56,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08243272453546524},{"word":"be","start":443.56,"end":443.8,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06232922896742821},{"word":"involved","start":443.8,"end":444.3,"confidence":0.99609375,"punctuated_word":"involved,","sentiment":"neutral","sentiment_score":0.06186012178659439},{"word":"what","start":444.68,"end":445.0,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0548437125980854},{"word":"we","start":445.0,"end":445.24,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04950166121125221},{"word":"normally","start":445.24,"end":445.72,"confidence":0.9980469,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.04607041925191879},{"word":"do","start":445.72,"end":446.03998,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03984659165143967},{"word":"past","start":446.03998,"end":446.44,"confidence":0.8676758,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.05857345089316368},{"word":"that","start":446.44,"end":446.6,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02654128149151802},{"word":"point","start":446.6,"end":446.75998,"confidence":0.9970703,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.01120688021183014},{"word":"so","start":446.91998,"end":447.08,"confidence":0.9902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.060687124729156494},{"word":"let's","start":447.08,"end":447.32,"confidence":0.9980469,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.06963549554347992},{"word":"say","start":447.32,"end":447.4,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.07370984554290771},{"word":"you've","start":447.4,"end":447.63998,"confidence":0.9692383,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.07965566217899323},{"word":"got","start":447.63998,"end":447.8,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09432265162467957},{"word":"the","start":447.8,"end":447.96,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07573387026786804},{"word":"account","start":447.96,"end":448.36,"confidence":0.83251953,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.05649664998054504},{"word":"set","start":448.36,"end":448.52,"confidence":0.9316406,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.06516432762145996},{"word":"up","start":448.52,"end":448.695,"confidence":0.82910156,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.09556770324707033},{"word":"your","start":448.775,"end":449.17502,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08158031105995178},{"word":"trust","start":449.17502,"end":449.415,"confidence":0.9980469,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":0.07430367916822433},{"word":"funds","start":449.415,"end":449.73502,"confidence":0.94140625,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.08204858005046844},{"word":"and","start":449.73502,"end":449.89502,"confidence":0.8183594,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08549454808235168},{"word":"companies","start":449.89502,"end":450.375,"confidence":0.8720703,"punctuated_word":"companies.","sentiment":"neutral","sentiment_score":0.0584024116396904},{"word":"you've","start":450.375,"end":450.45502,"confidence":0.99658203,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.07762052863836288},{"word":"got","start":450.45502,"end":450.695,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11915768682956696},{"word":"all","start":450.695,"end":450.775,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07979439198970795},{"word":"these","start":450.775,"end":451.015,"confidence":0.97998047,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.07658186554908752},{"word":"entities","start":451.015,"end":451.495,"confidence":0.9301758,"punctuated_word":"entities.","sentiment":"neutral","sentiment_score":0.05083052068948746},{"word":"now","start":451.495,"end":451.73502,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.10849899798631668},{"word":"you","start":451.73502,"end":451.89502,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13455742597579956},{"word":"have","start":451.89502,"end":452.055,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1252838671207428},{"word":"a","start":452.055,"end":452.215,"confidence":0.9291992,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1342354714870453},{"word":"super","start":452.215,"end":452.535,"confidence":0.94921875,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.15665563941001892},{"word":"fund","start":452.535,"end":453.035,"confidence":0.8935547,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.12941113114356995},{"word":"you","start":453.255,"end":453.495,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.10784588754177094},{"word":"actually","start":453.495,"end":453.815,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.1175725981593132},{"word":"need","start":453.815,"end":454.055,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.07216973602771759},{"word":"the","start":454.055,"end":454.215,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0481119379401207},{"word":"accounts","start":454.215,"end":454.695,"confidence":0.9873047,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.047585345804691315},{"word":"to","start":454.695,"end":454.935,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04242949187755585},{"word":"facilitate","start":454.935,"end":455.435,"confidence":1.0,"punctuated_word":"facilitate","sentiment":"neutral","sentiment_score":0.09295447170734406},{"word":"it","start":455.575,"end":456.075,"confidence":0.99658203,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.06250518560409546},{"word":"so","start":456.135,"end":456.295,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11880254745483398},{"word":"what","start":456.295,"end":456.535,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1754382848739624},{"word":"we","start":456.535,"end":456.775,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18690001964569092},{"word":"do","start":456.775,"end":456.935,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2191639244556427},{"word":"in","start":456.935,"end":457.095,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20559990406036377},{"word":"our","start":457.095,"end":457.33502,"confidence":1.0,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.20800186693668363},{"word":"strategy","start":457.33502,"end":457.83502,"confidence":0.9248047,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.18321837484836576},{"word":"is","start":458.375,"end":458.535,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2056380808353424},{"word":"we","start":458.535,"end":458.775,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23458987474441528},{"word":"recommend","start":458.775,"end":459.255,"confidence":0.8688965,"punctuated_word":"recommend,","sentiment":"neutral","sentiment_score":0.16168642044067383},{"word":"like","start":459.255,"end":459.415,"confidence":0.9926758,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.15432432293891907},{"word":"a","start":459.415,"end":459.575,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17010322213172913},{"word":"bank","start":459.575,"end":459.815,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.1442282497882843},{"word":"account","start":459.815,"end":460.315,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.09865355491638184},{"word":"so","start":460.775,"end":460.935,"confidence":0.9614258,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1634320467710495},{"word":"that","start":460.935,"end":461.17502,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17540010809898376},{"word":"the","start":461.17502,"end":461.33502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1784171760082245},{"word":"funds","start":461.33502,"end":461.73502,"confidence":0.984375,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.12017250061035156},{"word":"can","start":461.73502,"end":461.89502,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19670648872852323},{"word":"come","start":461.89502,"end":462.135,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.23545494675636292},{"word":"in","start":462.135,"end":462.295,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2513125538825989},{"word":"and","start":462.295,"end":462.45502,"confidence":0.67578125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23671361804008484},{"word":"it","start":462.45502,"end":462.61502,"confidence":0.89746094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.25983843207359314},{"word":"can","start":462.61502,"end":462.855,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18406252562999725},{"word":"pay","start":462.855,"end":463.17502,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.1830916702747345},{"word":"the","start":463.17502,"end":463.33502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1801457107067108},{"word":"loans","start":463.33502,"end":463.73502,"confidence":0.9980469,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":0.14615356922149658},{"word":"and","start":463.73502,"end":464.23502,"confidence":0.9589844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2029437869787216},{"word":"roll","start":464.58,"end":464.82,"confidence":0.94921875,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.2045990824699402},{"word":"funds","start":464.82,"end":465.22,"confidence":0.98291016,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.1664295494556427},{"word":"in","start":465.22,"end":465.38,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22301454842090607},{"word":"from","start":465.38,"end":465.62,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2086539566516876},{"word":"your","start":465.62,"end":465.86,"confidence":0.59375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17787954211235046},{"word":"super","start":465.86,"end":466.26,"confidence":0.98291016,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.23451417684555056},{"word":"and","start":466.26,"end":466.5,"confidence":0.9667969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17163655161857605},{"word":"pay","start":466.5,"end":466.74,"confidence":0.9892578,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.18574775755405423},{"word":"for","start":466.74,"end":467.24,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18016177415847776},{"word":"fees","start":467.46,"end":467.78,"confidence":0.9902344,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.14478756487369537},{"word":"and","start":467.78,"end":468.02,"confidence":0.9667969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16937291622161865},{"word":"premiums","start":468.02,"end":468.52,"confidence":0.99902344,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.19253131747245789},{"word":"and","start":468.58,"end":468.82,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1500491201877594},{"word":"contributions","start":468.82,"end":469.32,"confidence":0.8967285,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.12903524935245514},{"word":"the","start":469.46,"end":469.69998,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.13516107201576233},{"word":"bank","start":469.69998,"end":469.94,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.17995910346508026},{"word":"account","start":469.94,"end":470.34,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.1678854525089264},{"word":"kind","start":470.34,"end":470.66,"confidence":0.9892578,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.19366323947906497},{"word":"of","start":470.66,"end":471.16,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22685837745666504},{"word":"acts","start":471.38,"end":471.62,"confidence":0.96875,"punctuated_word":"acts","sentiment":"neutral","sentiment_score":0.2366320788860321},{"word":"as","start":471.62,"end":471.78,"confidence":0.93408203,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24967460334300995},{"word":"that","start":471.78,"end":472.02,"confidence":0.98535156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2464300692081451},{"word":"central","start":472.02,"end":472.41998,"confidence":0.9980469,"punctuated_word":"central","sentiment":"neutral","sentiment_score":0.15841282904148102},{"word":"hub","start":472.41998,"end":472.74,"confidence":0.9970703,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.19329984486103055},{"word":"for","start":472.74,"end":472.9,"confidence":0.9892578,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2173803150653839},{"word":"all","start":472.9,"end":473.06,"confidence":0.8364258,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.23357677459716797},{"word":"the","start":473.06,"end":473.13998,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18780431151390076},{"word":"money","start":473.13998,"end":473.46,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.16198071837425232},{"word":"to","start":473.46,"end":473.62,"confidence":0.96435547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20127782225608823},{"word":"flow","start":473.62,"end":473.94,"confidence":0.9951172,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.2582516074180603},{"word":"through","start":473.94,"end":474.44,"confidence":0.9980469,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.14201292395591736},{"word":"alongside","start":477.325,"end":477.825,"confidence":0.9995117,"punctuated_word":"Alongside","sentiment":"neutral","sentiment_score":0.1890040636062622},{"word":"that","start":477.885,"end":478.205,"confidence":0.9946289,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.22078317403793335},{"word":"we","start":478.205,"end":478.445,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.25337305665016174},{"word":"normally","start":478.445,"end":478.845,"confidence":0.99902344,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.23254290223121643},{"word":"open","start":478.845,"end":479.085,"confidence":0.80126953,"punctuated_word":"open,","sentiment":"neutral","sentiment_score":0.20091834664344788},{"word":"like","start":479.085,"end":479.325,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.22073228657245636},{"word":"an","start":479.325,"end":479.485,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2573561370372772},{"word":"investment","start":479.485,"end":479.985,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1423654854297638},{"word":"account","start":480.04498,"end":480.54498,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.16867291927337646},{"word":"that","start":480.76498,"end":481.005,"confidence":0.984375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25242912769317627},{"word":"mimics","start":481.005,"end":481.485,"confidence":0.99658203,"punctuated_word":"mimics","sentiment":"neutral","sentiment_score":0.23793676495552063},{"word":"what","start":481.485,"end":481.645,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2431475818157196},{"word":"your","start":481.645,"end":481.805,"confidence":0.9838867,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23392854630947113},{"word":"hub","start":481.805,"end":482.125,"confidence":0.7597656,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.21589992940425873},{"word":"twenty","start":482.125,"end":482.445,"confidence":0.9980469,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.2822226881980896},{"word":"four","start":482.445,"end":482.685,"confidence":0.9980469,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.27552530169487},{"word":"does","start":482.685,"end":483.185,"confidence":0.99316406,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.25725075602531433},{"word":"so","start":483.245,"end":483.485,"confidence":0.8354492,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.3003596067428589},{"word":"that","start":483.485,"end":483.645,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2927835285663605},{"word":"all","start":483.645,"end":483.805,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.28634440898895264},{"word":"the","start":483.805,"end":483.965,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29150137305259705},{"word":"funds","start":483.965,"end":484.285,"confidence":0.9873047,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.23449856042861936},{"word":"can","start":484.285,"end":484.445,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.30305421352386475},{"word":"come","start":484.445,"end":484.605,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.32373273372650146},{"word":"in","start":484.605,"end":484.845,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.35357382893562317},{"word":"and","start":484.845,"end":484.925,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2906346023082733},{"word":"buy","start":484.925,"end":485.165,"confidence":0.99902344,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.22152024507522583},{"word":"the","start":485.165,"end":485.325,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2089151293039322},{"word":"property","start":485.325,"end":485.825,"confidence":0.95654297,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.21169067919254303},{"word":"anything","start":486.04498,"end":486.365,"confidence":1.0,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":0.2696504592895508},{"word":"that's","start":486.365,"end":486.605,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.22353097796440125},{"word":"not","start":486.605,"end":486.845,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.18055874109268188},{"word":"needed","start":486.845,"end":487.165,"confidence":0.99902344,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.12226049602031708},{"word":"for","start":487.165,"end":487.325,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1758609414100647},{"word":"the","start":487.325,"end":487.485,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17795200645923617},{"word":"property","start":487.485,"end":487.985,"confidence":0.99316406,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.20685920119285583},{"word":"you","start":488.04498,"end":488.285,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35685595870018005},{"word":"can","start":488.285,"end":488.525,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.308791846036911},{"word":"continue","start":488.525,"end":489.005,"confidence":1.0,"punctuated_word":"continue","sentiment":"positive","sentiment_score":0.4152352809906006},{"word":"to","start":489.005,"end":489.245,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35218971967697144},{"word":"invest","start":489.245,"end":489.645,"confidence":1.0,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.22465384006500244},{"word":"that","start":489.645,"end":489.805,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.34101465344429016},{"word":"like","start":489.805,"end":490.04498,"confidence":0.9633789,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.4148072004318238},{"word":"you","start":490.04498,"end":490.205,"confidence":0.95947266,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32451483607292175},{"word":"were","start":490.205,"end":490.445,"confidence":0.99902344,"punctuated_word":"were","sentiment":"positive","sentiment_score":0.3352067470550537},{"word":"doing","start":490.445,"end":490.685,"confidence":0.9970703,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.4077376425266266},{"word":"for","start":490.685,"end":490.845,"confidence":0.66552734,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3326733708381653},{"word":"your","start":490.845,"end":491.085,"confidence":0.9707031,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2886766493320465},{"word":"super","start":491.085,"end":491.585,"confidence":0.66845703,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.31004589796066284},{"word":"so","start":491.72,"end":491.96002,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.25834596157073975},{"word":"both","start":491.96002,"end":492.12003,"confidence":0.9951172,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.3947036564350128},{"word":"can","start":492.12003,"end":492.52002,"confidence":0.9863281,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3455772399902344},{"word":"kind","start":492.52002,"end":492.68002,"confidence":0.96972656,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.34308838844299316},{"word":"of","start":492.68002,"end":492.76,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3651033639907837},{"word":"grow","start":492.76,"end":493.26,"confidence":0.9951172,"punctuated_word":"grow","sentiment":"positive","sentiment_score":0.4237970411777496},{"word":"in","start":493.56003,"end":493.80002,"confidence":0.9980469,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.37688061594963074},{"word":"parallel","start":493.80002,"end":494.28003,"confidence":0.9926758,"punctuated_word":"parallel.","sentiment":"neutral","sentiment_score":0.3165134787559509},{"word":"does","start":494.28003,"end":494.52002,"confidence":0.9790039,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.2036358118057251},{"word":"that","start":494.52002,"end":494.6,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2680615186691284},{"word":"make","start":494.6,"end":494.84003,"confidence":0.9633789,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2041795253753662},{"word":"sense","start":494.84003,"end":495.34003,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.1581438183784485},{"word":"now","start":497.64,"end":498.12003,"confidence":0.9892578,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07600255310535431},{"word":"at","start":498.12003,"end":498.28003,"confidence":0.90283203,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07211005687713623},{"word":"this","start":498.28003,"end":498.52002,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06715293228626251},{"word":"point","start":498.52002,"end":499.0,"confidence":0.92944336,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.07402130216360092},{"word":"because","start":499.0,"end":499.40002,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.059502169489860535},{"word":"of","start":499.40002,"end":499.56003,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04151574522256851},{"word":"the","start":499.56003,"end":499.72,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.049781277775764465},{"word":"cost","start":499.72,"end":500.2,"confidence":0.93115234,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.049099892377853394},{"word":"of","start":500.2,"end":500.44,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.029388852417469025},{"word":"the","start":500.44,"end":500.68002,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017950840294361115},{"word":"accountant","start":500.68002,"end":501.16,"confidence":0.6401367,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":0.003365069627761841},{"word":"so","start":501.24002,"end":501.48,"confidence":0.9116211,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.032966792583465576},{"word":"i","start":501.48,"end":501.64,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.039660677313804626},{"word":"usually","start":501.64,"end":501.96002,"confidence":0.9980469,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.030639871954917908},{"word":"estimate","start":501.96002,"end":502.46002,"confidence":0.99609375,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":0.05007047951221466},{"word":"$5","start":502.52002,"end":503.24002,"confidence":0.9926758,"punctuated_word":"$5","sentiment":"neutral","sentiment_score":0.07294259965419769},{"word":"for","start":503.24002,"end":503.48,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06739023327827454},{"word":"the","start":503.48,"end":503.64,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04006446152925491},{"word":"entities","start":503.64,"end":504.14,"confidence":0.6156006,"punctuated_word":"entities.","sentiment":"neutral","sentiment_score":0.03924185037612915},{"word":"and","start":504.54498,"end":504.705,"confidence":0.98095703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.043413110077381134},{"word":"the","start":504.705,"end":504.865,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05877089500427246},{"word":"self","start":504.865,"end":505.185,"confidence":0.97314453,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.10400811582803726},{"word":"managed","start":505.185,"end":505.425,"confidence":0.80126953,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.10142239183187483},{"word":"super","start":505.425,"end":505.745,"confidence":0.90234375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.10764025151729584},{"word":"fund","start":505.745,"end":505.985,"confidence":0.94384766,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.0924433097243309},{"word":"advice","start":505.985,"end":506.385,"confidence":0.95874023,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.08496501296758652},{"word":"we","start":506.385,"end":506.54498,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07515378296375275},{"word":"usually","start":506.54498,"end":506.865,"confidence":0.9980469,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.05045144259929657},{"word":"charge","start":506.865,"end":507.26498,"confidence":0.9951172,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":0.11511740833520888},{"word":"$4.09","start":507.26498,"end":507.82498,"confidence":0.98657227,"punctuated_word":"$4.09","sentiment":"neutral","sentiment_score":0.06367124617099762},{"word":"5","start":507.82498,"end":508.145,"confidence":0.9980469,"punctuated_word":"5","sentiment":"neutral","sentiment_score":0.05812813714146614},{"word":"o","start":508.145,"end":508.625,"confidence":0.8359375,"punctuated_word":"o.","sentiment":"neutral","sentiment_score":0.06183752417564392},{"word":"so","start":508.625,"end":508.785,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07926887273788452},{"word":"another","start":508.785,"end":509.26498,"confidence":0.9970703,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.08242058753967285},{"word":"$5","start":509.26498,"end":510.005,"confidence":0.97021484,"punctuated_word":"$5","sentiment":"neutral","sentiment_score":0.09916586428880692},{"word":"for","start":510.225,"end":510.725,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.106298066675663},{"word":"the","start":510.785,"end":511.025,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09943852573633194},{"word":"advice","start":511.025,"end":511.525,"confidence":0.9941406,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.12230094522237778},{"word":"the","start":511.665,"end":511.905,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11992016434669496},{"word":"accounts","start":511.905,"end":512.385,"confidence":0.98339844,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":0.10964516550302504},{"word":"the","start":512.385,"end":512.625,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1405419409275055},{"word":"strategy","start":512.625,"end":513.125,"confidence":0.96191406,"punctuated_word":"strategy,","sentiment":"neutral","sentiment_score":0.12909820675849917},{"word":"the","start":513.265,"end":513.505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1346401572227478},{"word":"application","start":513.505,"end":514.005,"confidence":0.7524414,"punctuated_word":"application,","sentiment":"neutral","sentiment_score":0.1059831604361534},{"word":"the","start":514.145,"end":514.385,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1125587671995163},{"word":"rollovers","start":514.385,"end":514.885,"confidence":0.9192708,"punctuated_word":"rollovers,","sentiment":"neutral","sentiment_score":0.09513933956623076},{"word":"and","start":515.025,"end":515.185,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09063036739826202},{"word":"so","start":515.185,"end":515.345,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08452840149402618},{"word":"on","start":515.345,"end":515.745,"confidence":0.99902344,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.073950856924057},{"word":"so","start":515.745,"end":515.90497,"confidence":0.8457031,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07397665083408356},{"word":"that's","start":515.90497,"end":516.145,"confidence":0.7729492,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0945882648229599},{"word":"about","start":516.145,"end":516.645,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09923437237739564},{"word":"10,000","start":517.23,"end":517.95,"confidence":1.0,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":0.14388348162174225},{"word":"upfront","start":517.95,"end":518.45,"confidence":0.5008545,"punctuated_word":"upfront.","sentiment":"neutral","sentiment_score":0.11276749521493912},{"word":"and","start":518.75,"end":518.91,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06665416061878204},{"word":"then","start":518.91,"end":519.23,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06708024442195892},{"word":"you've","start":519.23,"end":519.55,"confidence":0.9980469,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.06045364961028099},{"word":"got","start":519.55,"end":520.05,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07085815072059631},{"word":"usually","start":520.91,"end":521.23,"confidence":0.76464844,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.056336384266614914},{"word":"about","start":521.23,"end":521.55,"confidence":0.98095703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06462441384792328},{"word":"10","start":521.55,"end":521.79,"confidence":0.99902344,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.06754263490438461},{"word":"to","start":521.79,"end":521.95,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0377814956009388},{"word":"20","start":521.95,"end":522.27,"confidence":0.68078613,"punctuated_word":"20,","sentiment":"neutral","sentiment_score":0.06629326194524765},{"word":"usually","start":522.27,"end":522.67,"confidence":0.9111328,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.03696376830339432},{"word":"keep","start":522.67,"end":522.91,"confidence":0.7529297,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.059031784534454346},{"word":"aside","start":522.91,"end":523.31,"confidence":0.46704102,"punctuated_word":"aside","sentiment":"neutral","sentiment_score":0.05431288108229637},{"word":"the","start":523.31,"end":523.47,"confidence":0.6870117,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05279112979769707},{"word":"things","start":523.47,"end":523.79,"confidence":0.9838867,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.04777144268155098},{"word":"like","start":523.79,"end":524.02997,"confidence":0.90771484,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.012209545820951462},{"word":"stamp","start":524.02997,"end":524.35,"confidence":0.90478516,"punctuated_word":"stamp","sentiment":"neutral","sentiment_score":0.020490843802690503},{"word":"duty","start":524.35,"end":524.67,"confidence":0.9394531,"punctuated_word":"duty","sentiment":"neutral","sentiment_score":0.03473703935742378},{"word":"and","start":524.67,"end":524.99,"confidence":0.8935547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02846919372677803},{"word":"usual","start":524.99,"end":525.47,"confidence":0.96972656,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":0.018187452107667923},{"word":"borrowing","start":525.47,"end":525.95,"confidence":0.99609375,"punctuated_word":"borrowing","sentiment":"neutral","sentiment_score":0.009527474641799928},{"word":"costs","start":525.95,"end":526.27,"confidence":0.8613281,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":0.01867823302745819},{"word":"when","start":526.27,"end":526.43,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.017883893102407455},{"word":"you","start":526.43,"end":526.51,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06600431352853775},{"word":"get","start":526.51,"end":526.67,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.072038933634758},{"word":"a","start":526.67,"end":526.83,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07145307958126068},{"word":"property","start":526.83,"end":527.33,"confidence":0.7692871,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.03207572549581528},{"word":"things","start":527.63,"end":527.95,"confidence":0.9951172,"punctuated_word":"Things","sentiment":"neutral","sentiment_score":0.02618267387151718},{"word":"you'd","start":527.95,"end":528.11,"confidence":0.99560547,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.03158704563975334},{"word":"be","start":528.11,"end":528.27,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.026265639811754227},{"word":"familiar","start":528.27,"end":528.75,"confidence":1.0,"punctuated_word":"familiar","sentiment":"neutral","sentiment_score":0.021170157939195633},{"word":"with","start":528.75,"end":529.25,"confidence":0.99853516,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.02996317483484745},{"word":"k","start":530.495,"end":530.995,"confidence":0.7507324,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":-0.006321323104202747},{"word":"now","start":531.455,"end":531.775,"confidence":0.9970703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.04084128513932228},{"word":"in","start":531.775,"end":532.015,"confidence":0.9448242,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0508417934179306},{"word":"terms","start":532.015,"end":532.255,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.05110429972410202},{"word":"of","start":532.255,"end":532.495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11314675211906432},{"word":"risk","start":532.495,"end":532.815,"confidence":0.7233887,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":-0.1058674305677414},{"word":"so","start":532.815,"end":532.97504,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.0787317082285881},{"word":"because","start":532.97504,"end":533.29504,"confidence":0.9902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09129220247268675},{"word":"of","start":533.29504,"end":533.455,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09141302108764648},{"word":"this","start":533.455,"end":533.695,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.10287211835384368},{"word":"cutoff","start":533.695,"end":534.09503,"confidence":0.83740234,"punctuated_word":"cutoff","sentiment":"neutral","sentiment_score":-0.1757778823375702},{"word":"period","start":534.09503,"end":534.41504,"confidence":0.9941406,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.13856688141822815},{"word":"that","start":534.41504,"end":534.575,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09677158296108246},{"word":"we've","start":534.575,"end":534.815,"confidence":0.99902344,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.10752904415130617},{"word":"got","start":534.815,"end":535.315,"confidence":0.782959,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":-0.1154177337884903},{"word":"because","start":535.53503,"end":535.85504,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.107619509100914},{"word":"you're","start":535.85504,"end":536.015,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.11935919523239136},{"word":"doing","start":536.015,"end":536.255,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.14584776759147644},{"word":"off","start":536.255,"end":536.41504,"confidence":0.5625,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.08999381214380264},{"word":"plan","start":536.41504,"end":536.655,"confidence":0.98950195,"punctuated_word":"plan,","sentiment":"neutral","sentiment_score":-0.09569350630044936},{"word":"i'm","start":536.655,"end":536.815,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.10959170758724213},{"word":"assuming","start":536.815,"end":537.215,"confidence":1.0,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.08717843890190125},{"word":"you're","start":537.215,"end":537.375,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.11114627122879028},{"word":"gonna","start":537.375,"end":537.615,"confidence":0.87597656,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.11029186844825745},{"word":"be","start":537.615,"end":537.775,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08564456552267075},{"word":"able","start":537.775,"end":538.015,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.10653597116470336},{"word":"to","start":538.015,"end":538.175,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.154856875538826},{"word":"get","start":538.175,"end":538.495,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.16642318665981293},{"word":"a","start":538.495,"end":538.73505,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14571964740753174},{"word":"contract","start":538.73505,"end":539.215,"confidence":0.99902344,"punctuated_word":"contract","sentiment":"neutral","sentiment_score":0.1637687385082245},{"word":"signed","start":539.215,"end":539.455,"confidence":0.8178711,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.14062149822711945},{"word":"relatively","start":539.455,"end":539.955,"confidence":1.0,"punctuated_word":"relatively","sentiment":"neutral","sentiment_score":0.32384994626045227},{"word":"quickly","start":540.175,"end":540.495,"confidence":0.9951172,"punctuated_word":"quickly.","sentiment":"neutral","sentiment_score":0.18490108847618103},{"word":"is","start":540.495,"end":540.655,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.12765885889530182},{"word":"that","start":540.655,"end":540.895,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11983493715524672},{"word":"right","start":540.895,"end":541.395,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.1191810667514801},{"word":"yep","start":543.79,"end":544.26996,"confidence":0.96191406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15235868096351624},{"word":"so","start":544.26996,"end":544.50995,"confidence":0.97265625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23094987869262695},{"word":"that's","start":544.50995,"end":544.75,"confidence":0.984375,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.30798929929733276},{"word":"not","start":544.75,"end":544.99,"confidence":1.0,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.3352004587650299},{"word":"too","start":544.99,"end":545.14996,"confidence":0.9863281,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.19624419510364532},{"word":"much","start":545.14996,"end":545.38995,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.22026050090789795},{"word":"of","start":545.38995,"end":545.47,"confidence":0.92333984,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23988935351371765},{"word":"a","start":545.47,"end":545.55,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24095916748046875},{"word":"problem","start":545.55,"end":546.05,"confidence":0.9885254,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.26432788372039795},{"word":"for","start":546.82996,"end":547.23,"confidence":0.8774414,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.2051682025194168},{"word":"us","start":547.23,"end":547.73,"confidence":0.9980469,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":0.2091207653284073},{"word":"the","start":547.87,"end":548.18994,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22745107114315033},{"word":"accountants","start":548.18994,"end":548.58997,"confidence":0.7380371,"punctuated_word":"accountants","sentiment":"neutral","sentiment_score":0.16989684104919434},{"word":"usually","start":548.58997,"end":548.99,"confidence":0.9970703,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.16425125300884247},{"word":"only","start":548.99,"end":549.23,"confidence":0.9980469,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.1485712230205536},{"word":"take","start":549.23,"end":549.55,"confidence":0.99609375,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.14418065547943115},{"word":"one","start":549.55,"end":549.87,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.15505921840667725},{"word":"to","start":549.87,"end":549.94995,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09436694532632828},{"word":"two","start":549.94995,"end":550.18994,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.15142938494682312},{"word":"weeks","start":550.18994,"end":550.58997,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.16293984651565552},{"word":"to","start":550.58997,"end":550.75,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16511759161949158},{"word":"set","start":550.75,"end":550.91,"confidence":0.99609375,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.17324522137641907},{"word":"up","start":550.91,"end":551.06995,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.18642061948776245},{"word":"all","start":551.06995,"end":551.31,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.17390067875385284},{"word":"the","start":551.31,"end":551.47,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14102035760879517},{"word":"entities","start":551.47,"end":551.97,"confidence":0.8613281,"punctuated_word":"entities,","sentiment":"neutral","sentiment_score":0.11591414362192154},{"word":"and","start":552.43,"end":552.93,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09028089046478271},{"word":"we","start":552.99,"end":553.23,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14376699924468994},{"word":"usually","start":553.23,"end":553.62994,"confidence":1.0,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.17480304837226868},{"word":"go","start":553.62994,"end":554.12994,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.13484469056129456},{"word":"about","start":554.605,"end":554.84503,"confidence":0.97314453,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.17834338545799255},{"word":"a","start":554.84503,"end":555.005,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18760251998901367},{"word":"fortnight","start":555.005,"end":555.505,"confidence":0.9980469,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.14663001894950867},{"word":"to","start":555.565,"end":555.72504,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13169702887535095},{"word":"do","start":555.72504,"end":555.965,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14170876145362854},{"word":"the","start":555.965,"end":556.125,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1894332319498062},{"word":"advice","start":556.125,"end":556.625,"confidence":0.94433594,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.11963435262441637},{"word":"start","start":556.84503,"end":557.085,"confidence":0.9980469,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.19467449188232425},{"word":"doing","start":557.085,"end":557.325,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.16387870907783508},{"word":"the","start":557.325,"end":557.485,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20528413355350497},{"word":"application","start":557.485,"end":557.985,"confidence":0.77368164,"punctuated_word":"application,","sentiment":"neutral","sentiment_score":0.12366077303886414},{"word":"open","start":558.28503,"end":558.685,"confidence":0.99902344,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.1176893264055252},{"word":"accounts","start":558.685,"end":559.185,"confidence":0.92626953,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":0.10232557356357574},{"word":"and","start":559.485,"end":559.72504,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1142718344926834},{"word":"the","start":559.72504,"end":559.885,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11860023438930511},{"word":"rollovers","start":559.885,"end":560.385,"confidence":0.9814453,"punctuated_word":"rollovers","sentiment":"neutral","sentiment_score":0.08636002987623215},{"word":"can","start":560.445,"end":560.685,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07768663763999939},{"word":"take","start":560.685,"end":560.84503,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.0867113545536995},{"word":"anywhere","start":560.84503,"end":561.245,"confidence":1.0,"punctuated_word":"anywhere","sentiment":"neutral","sentiment_score":0.07681988179683685},{"word":"between","start":561.245,"end":561.645,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.05403788387775421},{"word":"one","start":561.645,"end":561.805,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07401654124259949},{"word":"to","start":561.805,"end":561.965,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004005923867225647},{"word":"three","start":561.965,"end":562.205,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.07539213448762894},{"word":"weeks","start":562.205,"end":562.705,"confidence":0.9980469,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":0.05102676525712013},{"word":"so","start":562.925,"end":563.425,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.025727897882461548},{"word":"on","start":563.805,"end":564.205,"confidence":0.9472656,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06840649992227554},{"word":"face","start":564.205,"end":564.445,"confidence":0.6303711,"punctuated_word":"face","sentiment":"neutral","sentiment_score":0.07657703012228012},{"word":"value","start":564.445,"end":564.765,"confidence":0.9667969,"punctuated_word":"value,","sentiment":"neutral","sentiment_score":0.08943717181682587},{"word":"if","start":564.765,"end":564.84503,"confidence":0.9760742,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15416863560676575},{"word":"we","start":564.84503,"end":565.085,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2044193744659424},{"word":"started","start":565.085,"end":565.405,"confidence":0.9921875,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.21893221139907837},{"word":"this","start":565.405,"end":565.565,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.18371650576591492},{"word":"process","start":565.565,"end":566.045,"confidence":0.99902344,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.19527672231197357},{"word":"with","start":566.045,"end":566.205,"confidence":0.9892578,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.24656999111175537},{"word":"you","start":566.205,"end":566.365,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2819862365722656},{"word":"guys","start":566.365,"end":566.605,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.22345221042633057},{"word":"on","start":566.605,"end":566.84503,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.25345101952552795},{"word":"monday","start":566.84503,"end":567.34503,"confidence":0.99853516,"punctuated_word":"Monday,","sentiment":"neutral","sentiment_score":0.21773263812065125},{"word":"we","start":567.59,"end":567.75,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.221221387386322},{"word":"would","start":567.75,"end":567.99,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2582046687602997},{"word":"pretty","start":567.99,"end":568.23,"confidence":0.9970703,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.23043712973594663},{"word":"much","start":568.23,"end":568.63,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.19293971359729767},{"word":"just","start":568.63,"end":568.95,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1917805373668671},{"word":"get","start":568.95,"end":569.11,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.21921974420547485},{"word":"everything","start":569.11,"end":569.51,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2018638551235199},{"word":"set","start":569.51,"end":569.75,"confidence":0.9921875,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.20568722486495972},{"word":"up","start":569.75,"end":569.91003,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2538130581378937},{"word":"in","start":569.91003,"end":570.15,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16939803957939148},{"word":"time","start":570.15,"end":570.65,"confidence":0.9995117,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.09990309178829192},{"word":"the","start":571.11,"end":571.61,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.2100442796945572},{"word":"risk","start":571.99,"end":572.31,"confidence":0.99609375,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.26787570118904114},{"word":"is","start":572.31,"end":572.47003,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.3130871653556824},{"word":"if","start":572.47003,"end":572.63,"confidence":0.890625,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.4111080467700958},{"word":"there's","start":572.63,"end":572.87,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"negative","sentiment_score":-0.6324683427810669},{"word":"any","start":572.87,"end":573.27,"confidence":1.0,"punctuated_word":"any","sentiment":"negative","sentiment_score":-0.6464683413505554},{"word":"delay","start":573.27,"end":573.77,"confidence":1.0,"punctuated_word":"delay","sentiment":"negative","sentiment_score":-0.632245659828186},{"word":"that","start":574.23,"end":574.47003,"confidence":0.7158203,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.644065260887146},{"word":"we","start":574.47003,"end":574.71,"confidence":0.99902344,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.6326034069061279},{"word":"wouldn't","start":574.71,"end":575.03,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"negative","sentiment_score":-0.7310203313827515},{"word":"get","start":575.03,"end":575.27,"confidence":1.0,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.6558198928833008},{"word":"the","start":575.27,"end":575.43,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.6568871140480042},{"word":"money","start":575.43,"end":575.75,"confidence":1.0,"punctuated_word":"money","sentiment":"negative","sentiment_score":-0.4834256768226623},{"word":"rolled","start":575.75,"end":575.99,"confidence":0.99609375,"punctuated_word":"rolled","sentiment":"negative","sentiment_score":-0.5755473375320435},{"word":"across","start":575.99,"end":576.39,"confidence":1.0,"punctuated_word":"across","sentiment":"negative","sentiment_score":-0.6293215155601501},{"word":"and","start":576.39,"end":576.55,"confidence":0.9863281,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.5886479616165161},{"word":"ready","start":576.55,"end":576.95,"confidence":0.9951172,"punctuated_word":"ready","sentiment":"negative","sentiment_score":-0.670588493347168},{"word":"for","start":576.95,"end":577.11,"confidence":0.94189453,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.6081410646438599},{"word":"the","start":577.11,"end":577.27,"confidence":0.9970703,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5289251208305359},{"word":"loan","start":577.27,"end":577.77,"confidence":0.97265625,"punctuated_word":"loan","sentiment":"negative","sentiment_score":-0.35305097699165344},{"word":"in","start":578.31,"end":578.47003,"confidence":0.9951172,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.5948675274848938},{"word":"time","start":578.47003,"end":578.97003,"confidence":0.9995117,"punctuated_word":"time.","sentiment":"negative","sentiment_score":-0.4678286015987396},{"word":"the","start":579.67,"end":580.17,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.23977097868919373},{"word":"thing","start":580.625,"end":580.865,"confidence":0.9970703,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.24354350566864016},{"word":"that","start":580.865,"end":581.02496,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.22595681250095367},{"word":"i'm","start":581.02496,"end":581.185,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2364477515220642},{"word":"kind","start":581.185,"end":581.425,"confidence":0.96875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.24678568542003632},{"word":"of","start":581.425,"end":581.505,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.29320040345191956},{"word":"concerned","start":581.505,"end":581.90497,"confidence":0.9980469,"punctuated_word":"concerned","sentiment":"negative","sentiment_score":-0.3404183089733124},{"word":"with","start":581.90497,"end":582.14496,"confidence":1.0,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.38756129145622253},{"word":"at","start":582.14496,"end":582.225,"confidence":0.9902344,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.40006548166275024},{"word":"the","start":582.225,"end":582.305,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3511033058166504},{"word":"moment","start":582.305,"end":582.625,"confidence":0.93652344,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.2757761478424072},{"word":"i've","start":582.625,"end":582.785,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.27311235666275024},{"word":"just","start":582.785,"end":582.945,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2373541444540024},{"word":"been","start":582.945,"end":583.185,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.2356901913881302},{"word":"talking","start":583.185,"end":583.425,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.18690206110477448},{"word":"to","start":583.425,"end":583.58496,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16412636637687683},{"word":"all","start":583.58496,"end":583.825,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.16830794513225555},{"word":"of","start":583.825,"end":583.90497,"confidence":0.96777344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20537316799163816},{"word":"our","start":583.90497,"end":584.065,"confidence":0.9951172,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.1716596782207489},{"word":"brokers","start":584.065,"end":584.46497,"confidence":0.99902344,"punctuated_word":"brokers","sentiment":"neutral","sentiment_score":-0.11911772191524506},{"word":"in","start":584.46497,"end":584.545,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11046085506677628},{"word":"the","start":584.545,"end":584.70496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11469244211912157},{"word":"network","start":584.70496,"end":585.105,"confidence":0.8186035,"punctuated_word":"network.","sentiment":"neutral","sentiment_score":-0.16250082850456238},{"word":"there's","start":585.105,"end":585.345,"confidence":0.91625977,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.19944123923778537},{"word":"about","start":585.345,"end":585.665,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.18663226068019867},{"word":"four","start":585.665,"end":585.90497,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.2109384387731552},{"word":"or","start":585.90497,"end":586.065,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.26080358028411865},{"word":"five","start":586.065,"end":586.565,"confidence":0.98950195,"punctuated_word":"five.","sentiment":"neutral","sentiment_score":-0.20440858602523804},{"word":"they're","start":587.90497,"end":588.14496,"confidence":0.9951172,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":-0.3269972801208496},{"word":"not","start":588.14496,"end":588.385,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3744960427284241},{"word":"actually","start":588.385,"end":588.785,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"negative","sentiment_score":-0.35505470633506775},{"word":"sure","start":588.785,"end":589.02496,"confidence":1.0,"punctuated_word":"sure","sentiment":"negative","sentiment_score":-0.3855889141559601},{"word":"whether","start":589.02496,"end":589.345,"confidence":1.0,"punctuated_word":"whether","sentiment":"negative","sentiment_score":-0.394721657037735},{"word":"the","start":589.345,"end":589.505,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.44291454553604126},{"word":"banks","start":589.505,"end":590.005,"confidence":0.99609375,"punctuated_word":"banks","sentiment":"negative","sentiment_score":-0.3478670120239258},{"word":"will","start":590.46497,"end":590.70496,"confidence":1.0,"punctuated_word":"will","sentiment":"negative","sentiment_score":-0.37914708256721497},{"word":"continue","start":590.70496,"end":591.20496,"confidence":1.0,"punctuated_word":"continue","sentiment":"negative","sentiment_score":-0.40329816937446594},{"word":"to","start":591.26495,"end":591.345,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3587965667247772},{"word":"do","start":591.345,"end":591.58496,"confidence":1.0,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.36060014367103577},{"word":"the","start":591.58496,"end":591.745,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.28120681643486023},{"word":"lending","start":591.745,"end":592.14496,"confidence":0.9970703,"punctuated_word":"lending","sentiment":"neutral","sentiment_score":-0.26873481273651123},{"word":"and","start":592.14496,"end":592.385,"confidence":0.95703125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3018956482410431},{"word":"applications","start":592.385,"end":592.885,"confidence":0.5498047,"punctuated_word":"applications","sentiment":"neutral","sentiment_score":-0.20398417115211487},{"word":"all","start":593.665,"end":593.825,"confidence":0.9902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.2712930142879486},{"word":"the","start":593.825,"end":593.985,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3120516538619995},{"word":"way","start":593.985,"end":594.14496,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.2960800528526306},{"word":"up","start":594.14496,"end":594.305,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.30771487951278687},{"word":"until","start":594.305,"end":594.70496,"confidence":0.99609375,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.31599292159080505},{"word":"that","start":594.70496,"end":594.945,"confidence":0.9951172,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.34026816487312317},{"word":"forty","start":594.945,"end":595.345,"confidence":0.99902344,"punctuated_word":"forty","sentiment":"neutral","sentiment_score":-0.3114989995956421},{"word":"fifth","start":595.345,"end":595.58496,"confidence":0.99609375,"punctuated_word":"fifth","sentiment":"negative","sentiment_score":-0.33921611309051514},{"word":"day","start":595.58496,"end":596.08496,"confidence":0.9682617,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":-0.32510870695114136},{"word":"and","start":596.39,"end":596.55,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.3039206862449646},{"word":"if","start":596.55,"end":596.71,"confidence":1.0,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.3372895419597626},{"word":"you've","start":596.71,"end":596.79,"confidence":0.9797363,"punctuated_word":"you've","sentiment":"negative","sentiment_score":-0.3471565246582031},{"word":"got","start":596.79,"end":597.11,"confidence":1.0,"punctuated_word":"got","sentiment":"negative","sentiment_score":-0.3794306516647339},{"word":"the","start":597.11,"end":597.43,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3849377930164337},{"word":"contract","start":597.43,"end":597.83,"confidence":0.98291016,"punctuated_word":"contract","sentiment":"neutral","sentiment_score":-0.24971836805343628},{"word":"signed","start":597.83,"end":598.33,"confidence":0.9675293,"punctuated_word":"signed,","sentiment":"negative","sentiment_score":-0.335228830575943},{"word":"there's","start":598.55,"end":598.87,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"negative","sentiment_score":-0.4233477115631103},{"word":"no","start":598.87,"end":599.02997,"confidence":1.0,"punctuated_word":"no","sentiment":"negative","sentiment_score":-0.3827303349971771},{"word":"guarantee","start":599.02997,"end":599.51,"confidence":0.99902344,"punctuated_word":"guarantee","sentiment":"neutral","sentiment_score":-0.276085764169693},{"word":"that","start":599.51,"end":599.67,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4452540874481201},{"word":"they'll","start":599.67,"end":599.91,"confidence":0.99365234,"punctuated_word":"they'll","sentiment":"negative","sentiment_score":-0.433490127325058},{"word":"actually","start":599.91,"end":600.39,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"negative","sentiment_score":-0.3436996638774872},{"word":"finalize","start":600.39,"end":600.89,"confidence":0.99902344,"punctuated_word":"finalize","sentiment":"neutral","sentiment_score":-0.16578632593154907},{"word":"the","start":600.95,"end":601.11,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1550552248954773},{"word":"loan","start":601.11,"end":601.51,"confidence":0.99902344,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.12476826459169388},{"word":"for","start":601.51,"end":601.67,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2379741966724396},{"word":"you","start":601.67,"end":602.17,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.23797890543937683},{"word":"day","start":602.47,"end":602.79,"confidence":0.85058594,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.21374563872814176},{"word":"46","start":602.79,"end":603.35,"confidence":0.99194336,"punctuated_word":"46,","sentiment":"neutral","sentiment_score":-0.2551710307598114},{"word":"day","start":603.35,"end":603.59,"confidence":0.99902344,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.22210954129695892},{"word":"47","start":603.59,"end":604.41,"confidence":0.9968262,"punctuated_word":"47.","sentiment":"neutral","sentiment_score":-0.2826957702636719},{"word":"like","start":604.63,"end":604.87,"confidence":0.9819336,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.22535660862922668},{"word":"let's","start":604.87,"end":605.02997,"confidence":0.99902344,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.13628028333187103},{"word":"say","start":605.02997,"end":605.19,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.10288231074810028},{"word":"you","start":605.19,"end":605.43,"confidence":0.89453125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.15466895699501038},{"word":"submit","start":605.43,"end":605.93,"confidence":0.4946289,"punctuated_word":"submit","sentiment":"neutral","sentiment_score":-0.11197681725025176},{"word":"it","start":605.99,"end":606.23,"confidence":0.9863281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13295906782150269},{"word":"day","start":606.23,"end":606.47,"confidence":0.9873047,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.16632363200187683},{"word":"39","start":606.47,"end":607.29,"confidence":0.9355469,"punctuated_word":"39,","sentiment":"neutral","sentiment_score":-0.27096033096313477},{"word":"there's","start":607.35,"end":607.59,"confidence":1.0,"punctuated_word":"there's","sentiment":"negative","sentiment_score":-0.3363078534603119},{"word":"no","start":607.59,"end":607.75,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.30909499526023865},{"word":"guarantee","start":607.75,"end":608.23,"confidence":1.0,"punctuated_word":"guarantee","sentiment":"neutral","sentiment_score":-0.1838325709104538},{"word":"they","start":608.23,"end":608.31,"confidence":0.57910156,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.29164716601371765},{"word":"will","start":608.31,"end":608.55,"confidence":0.98095703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.3134438693523407},{"word":"honor","start":608.55,"end":608.87,"confidence":0.99902344,"punctuated_word":"honor","sentiment":"neutral","sentiment_score":-0.20080062747001648},{"word":"the","start":608.87,"end":609.02997,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18126335740089417},{"word":"application","start":609.02997,"end":609.52997,"confidence":1.0,"punctuated_word":"application","sentiment":"neutral","sentiment_score":-0.061514973640441895},{"word":"and","start":609.67,"end":609.91,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16712406277656555},{"word":"actually","start":609.91,"end":610.41,"confidence":0.9741211,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.20099325478076935},{"word":"approve","start":610.87,"end":611.19,"confidence":0.9790039,"punctuated_word":"approve","sentiment":"neutral","sentiment_score":-0.10667647421360016},{"word":"it","start":611.19,"end":611.69,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.12346413731575012},{"word":"after","start":612.055,"end":612.555,"confidence":1.0,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.2530994713306427},{"word":"that","start":613.09503,"end":613.255,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2068605124950409},{"word":"date","start":613.255,"end":613.575,"confidence":0.9838867,"punctuated_word":"date","sentiment":"neutral","sentiment_score":-0.10624202340841292},{"word":"occurs","start":613.575,"end":614.075,"confidence":0.9970703,"punctuated_word":"occurs","sentiment":"neutral","sentiment_score":-0.11918822675943376},{"word":"on","start":614.85504,"end":615.09503,"confidence":0.9838867,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.170889213681221},{"word":"the","start":615.09503,"end":615.335,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17297349870204926},{"word":"august","start":615.335,"end":615.865,"confidence":0.9983724,"punctuated_word":"August","sentiment":"neutral","sentiment_score":-0.0997222363948822},{"word":"7","start":615.865,"end":616.395,"confidence":0.9983724,"punctuated_word":"7.","sentiment":"neutral","sentiment_score":-0.12956658005714417},{"word":"k","start":617.335,"end":617.655,"confidence":0.7175293,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":-0.05636562407016754},{"word":"so","start":617.655,"end":617.97504,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1520547866821289},{"word":"what","start":617.97504,"end":618.215,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.287276953458786},{"word":"i'm","start":618.215,"end":618.375,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.23423850536346436},{"word":"basically","start":618.375,"end":618.775,"confidence":0.9970703,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.2452964186668396},{"word":"saying","start":618.775,"end":619.09503,"confidence":0.99902344,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.24596139788627625},{"word":"here","start":619.09503,"end":619.255,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.1683482974767685},{"word":"is","start":619.255,"end":619.655,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1657784879207611},{"word":"you're","start":619.655,"end":619.895,"confidence":0.9169922,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.12677499651908877},{"word":"in","start":619.895,"end":620.055,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0677226185798645},{"word":"an","start":620.055,"end":620.215,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.03227527439594269},{"word":"actual","start":620.215,"end":620.715,"confidence":0.99609375,"punctuated_word":"actual","sentiment":"neutral","sentiment_score":-0.03811374306678772},{"word":"good","start":620.85504,"end":621.09503,"confidence":0.9970703,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.06948450207710266},{"word":"financial","start":621.09503,"end":621.575,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.07195918262004852},{"word":"position","start":621.575,"end":621.97504,"confidence":1.0,"punctuated_word":"position","sentiment":"neutral","sentiment_score":0.00346943736076355},{"word":"to","start":621.97504,"end":622.135,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08584192395210266},{"word":"do","start":622.135,"end":622.29504,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04939046502113342},{"word":"this","start":622.29504,"end":622.53503,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0007496625185012817},{"word":"through","start":622.53503,"end":622.775,"confidence":0.96875,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.1009652018547058},{"word":"super","start":622.775,"end":623.275,"confidence":0.7270508,"punctuated_word":"Super,","sentiment":"neutral","sentiment_score":-0.05483435094356537},{"word":"but","start":623.575,"end":623.815,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.17063456773757937},{"word":"the","start":623.815,"end":623.97504,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3380438983440399},{"word":"risks","start":623.97504,"end":624.29504,"confidence":0.96972656,"punctuated_word":"risks","sentiment":"negative","sentiment_score":-0.34619390964508057},{"word":"are","start":624.29504,"end":624.455,"confidence":0.9941406,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.4739401936531067},{"word":"that","start":624.455,"end":624.615,"confidence":0.9970703,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5021649599075317},{"word":"if","start":624.615,"end":624.775,"confidence":0.9980469,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.5717687606811523},{"word":"we","start":624.775,"end":624.85504,"confidence":1.0,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.5253078937530518},{"word":"don't","start":624.85504,"end":625.17505,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.5686995983123779},{"word":"get","start":625.17505,"end":625.335,"confidence":1.0,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.5574783682823181},{"word":"it","start":625.335,"end":625.575,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.45947110652923584},{"word":"all","start":625.575,"end":625.815,"confidence":1.0,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.4624382853507995},{"word":"lined","start":625.815,"end":626.055,"confidence":0.9970703,"punctuated_word":"lined","sentiment":"negative","sentiment_score":-0.5148922801017761},{"word":"up","start":626.055,"end":626.29504,"confidence":1.0,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.4661351442337036},{"word":"in","start":626.29504,"end":626.455,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.5849278569221497},{"word":"time","start":626.455,"end":626.775,"confidence":1.0,"punctuated_word":"time","sentiment":"negative","sentiment_score":-0.5398000478744507},{"word":"in","start":626.775,"end":626.935,"confidence":0.9394531,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4749695360660553},{"word":"terms","start":626.935,"end":627.255,"confidence":1.0,"punctuated_word":"terms","sentiment":"negative","sentiment_score":-0.3491170406341553},{"word":"of","start":627.255,"end":627.495,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4421292841434479},{"word":"the","start":627.495,"end":627.87,"confidence":0.9970703,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4052581191062927},{"word":"accounts","start":628.35,"end":628.85,"confidence":0.99560547,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":-0.3323897123336792},{"word":"the","start":629.31,"end":629.55,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4084936678409576},{"word":"entities","start":629.55,"end":630.05,"confidence":0.92211914,"punctuated_word":"entities,","sentiment":"neutral","sentiment_score":-0.2997117340564728},{"word":"and","start":630.19,"end":630.43,"confidence":1.0,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4683750867843628},{"word":"the","start":630.43,"end":630.58997,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.434474378824234},{"word":"lending","start":630.58997,"end":631.08997,"confidence":0.79467773,"punctuated_word":"lending,","sentiment":"negative","sentiment_score":-0.40145573019981384},{"word":"is","start":631.31,"end":631.47,"confidence":0.6977539,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.45926570892333984},{"word":"you","start":631.47,"end":631.71,"confidence":0.9951172,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5435233116149902},{"word":"may","start":631.71,"end":631.87,"confidence":1.0,"punctuated_word":"may","sentiment":"negative","sentiment_score":-0.47923094034194946},{"word":"have","start":631.87,"end":632.11,"confidence":0.99902344,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.4307062029838562},{"word":"gone","start":632.11,"end":632.35,"confidence":0.9980469,"punctuated_word":"gone","sentiment":"negative","sentiment_score":-0.4564145803451538},{"word":"through","start":632.35,"end":632.58997,"confidence":0.99902344,"punctuated_word":"through","sentiment":"negative","sentiment_score":-0.5324404239654541},{"word":"all","start":632.58997,"end":632.67,"confidence":1.0,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.5116673111915588},{"word":"of","start":632.67,"end":632.83,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5651227235794067},{"word":"this","start":632.83,"end":632.99,"confidence":0.9892578,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.5153964757919312},{"word":"to","start":632.99,"end":633.15,"confidence":0.9790039,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.48546433448791504},{"word":"set","start":633.15,"end":633.39,"confidence":0.9970703,"punctuated_word":"set","sentiment":"negative","sentiment_score":-0.48302289843559265},{"word":"it","start":633.39,"end":633.47,"confidence":0.99902344,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4681666493415833},{"word":"all","start":633.47,"end":633.63,"confidence":0.99902344,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.481142520904541},{"word":"up","start":633.63,"end":633.95,"confidence":0.9926758,"punctuated_word":"up,","sentiment":"negative","sentiment_score":-0.5480067729949951},{"word":"pay","start":633.95,"end":634.19,"confidence":0.9941406,"punctuated_word":"pay","sentiment":"negative","sentiment_score":-0.6572297811508179},{"word":"all","start":634.19,"end":634.35,"confidence":0.99316406,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.6295980215072632},{"word":"this","start":634.35,"end":634.51,"confidence":0.94140625,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.5673227906227112},{"word":"money","start":634.51,"end":634.99,"confidence":0.9667969,"punctuated_word":"money,","sentiment":"negative","sentiment_score":-0.5062417387962341},{"word":"and","start":634.99,"end":635.15,"confidence":1.0,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.5417625308036804},{"word":"then","start":635.15,"end":635.39,"confidence":0.98828125,"punctuated_word":"then","sentiment":"negative","sentiment_score":-0.39506813883781433},{"word":"you","start":635.39,"end":635.55,"confidence":0.9506836,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5164521932601929},{"word":"just","start":635.55,"end":635.79,"confidence":0.94970703,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.4908108115196228},{"word":"missed","start":635.79,"end":636.02997,"confidence":0.59375,"punctuated_word":"missed","sentiment":"negative","sentiment_score":-0.5242822170257568},{"word":"out","start":636.02997,"end":636.27,"confidence":0.94921875,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.539754331111908},{"word":"by","start":636.27,"end":636.43,"confidence":0.9902344,"punctuated_word":"by","sentiment":"negative","sentiment_score":-0.6477407813072205},{"word":"four","start":636.43,"end":636.67,"confidence":0.8256836,"punctuated_word":"four","sentiment":"negative","sentiment_score":-0.6209734678268433},{"word":"days","start":636.67,"end":637.17,"confidence":0.94921875,"punctuated_word":"days.","sentiment":"negative","sentiment_score":-0.5154153108596802},{"word":"so","start":643.075,"end":643.575,"confidence":0.9770508,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.17651404440402985},{"word":"my","start":644.435,"end":644.935,"confidence":0.99121094,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.2059997320175171},{"word":"my","start":644.995,"end":645.155,"confidence":0.99609375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.1906001567840576},{"word":"honest","start":645.155,"end":645.635,"confidence":1.0,"punctuated_word":"honest","sentiment":"neutral","sentiment_score":-0.18491089344024655},{"word":"answer","start":645.635,"end":646.03503,"confidence":0.99902344,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":-0.13930250704288483},{"word":"here","start":646.03503,"end":646.515,"confidence":0.98291016,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.1305146962404251},{"word":"is","start":646.515,"end":646.835,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.17284470796585083},{"word":"you're","start":646.835,"end":647.075,"confidence":0.98461914,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.21426287293434143},{"word":"probably","start":647.075,"end":647.395,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.2136231064796448},{"word":"better","start":647.395,"end":647.635,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.26284849643707275},{"word":"off","start":647.635,"end":647.875,"confidence":0.9951172,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.16238459944725037},{"word":"purchasing","start":647.875,"end":648.35504,"confidence":0.9980469,"punctuated_word":"purchasing","sentiment":"neutral","sentiment_score":-0.14099211990833282},{"word":"it","start":648.35504,"end":648.515,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06508345901966095},{"word":"directly","start":648.515,"end":648.995,"confidence":1.0,"punctuated_word":"directly","sentiment":"neutral","sentiment_score":-0.20730262994766235},{"word":"than","start":648.995,"end":649.395,"confidence":0.9394531,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.1642245352268219},{"word":"rather","start":649.395,"end":649.79504,"confidence":0.54248047,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.14317065477371216},{"word":"than","start":649.79504,"end":650.03503,"confidence":0.8857422,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.17812064290046692},{"word":"through","start":650.03503,"end":650.435,"confidence":0.9248047,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.21782632172107697},{"word":"super","start":650.435,"end":650.935,"confidence":0.83374023,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.12661953270435333},{"word":"and","start":650.995,"end":651.155,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.22913958132267},{"word":"if","start":651.155,"end":651.395,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.3293464779853821},{"word":"you're","start":651.395,"end":651.55505,"confidence":0.9921875,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.33448514342308044},{"word":"gonna","start":651.55505,"end":651.79504,"confidence":0.9350586,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.3534911274909973},{"word":"go","start":651.79504,"end":652.03503,"confidence":0.9951172,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.31050974130630493},{"word":"through","start":652.03503,"end":652.275,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.2965812087059021},{"word":"the","start":652.275,"end":652.435,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.29454943537712097},{"word":"super","start":652.435,"end":652.835,"confidence":0.9819336,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.1907876431941986},{"word":"outlet","start":652.835,"end":653.155,"confidence":0.5220947,"punctuated_word":"outlet,","sentiment":"neutral","sentiment_score":-0.2837444543838501},{"word":"say","start":653.155,"end":653.315,"confidence":0.91748047,"punctuated_word":"say","sentiment":"negative","sentiment_score":-0.3799096643924713},{"word":"that","start":653.315,"end":653.47504,"confidence":0.82910156,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3483416438102722},{"word":"you're","start":653.47504,"end":653.635,"confidence":0.9851074,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.3304924964904785},{"word":"adamant","start":653.635,"end":654.11505,"confidence":0.8010254,"punctuated_word":"adamant,","sentiment":"negative","sentiment_score":-0.37746524810791016},{"word":"no","start":654.11505,"end":654.275,"confidence":0.579834,"punctuated_word":"no.","sentiment":"negative","sentiment_score":-0.3803555965423584},{"word":"we've","start":654.275,"end":654.515,"confidence":0.9628906,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.24159014225006104},{"word":"got","start":654.515,"end":654.67505,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.27232643961906433},{"word":"it","start":654.67505,"end":654.835,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.26327240467071533},{"word":"here","start":654.835,"end":655.075,"confidence":0.8364258,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":-0.23255079984664917},{"word":"we","start":655.075,"end":655.44,"confidence":0.5097656,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.1583307981491089},{"word":"know","start":655.68,"end":655.92,"confidence":0.5883789,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.20404283702373505},{"word":"it's","start":655.92,"end":656.16,"confidence":0.94750977,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.17316848039627075},{"word":"financially","start":656.16,"end":656.66,"confidence":0.99121094,"punctuated_word":"financially","sentiment":"neutral","sentiment_score":-0.2453724443912506},{"word":"viable","start":656.72003,"end":657.12,"confidence":0.96313477,"punctuated_word":"viable.","sentiment":"neutral","sentiment_score":-0.2964426875114441},{"word":"we're","start":657.12,"end":657.28,"confidence":0.9995117,"punctuated_word":"We're","sentiment":"negative","sentiment_score":-0.4721313416957855},{"word":"just","start":657.28,"end":657.44,"confidence":1.0,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.43976569175720215},{"word":"gonna","start":657.44,"end":657.68,"confidence":0.9614258,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.5341938138008118},{"word":"go","start":657.68,"end":657.84,"confidence":0.9980469,"punctuated_word":"go","sentiment":"negative","sentiment_score":-0.456168919801712},{"word":"ahead","start":657.84,"end":658.34,"confidence":1.0,"punctuated_word":"ahead","sentiment":"negative","sentiment_score":-0.403762012720108},{"word":"and","start":658.48,"end":658.56,"confidence":0.9980469,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.41215187311172485},{"word":"get","start":658.56,"end":658.72003,"confidence":1.0,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.4559212327003479},{"word":"this","start":658.72003,"end":658.96,"confidence":1.0,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.48944517970085144},{"word":"done","start":658.96,"end":659.2,"confidence":0.99902344,"punctuated_word":"done","sentiment":"negative","sentiment_score":-0.453068345785141},{"word":"in","start":659.2,"end":659.44,"confidence":0.99902344,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4011301398277282},{"word":"time","start":659.44,"end":659.94,"confidence":0.75683594,"punctuated_word":"time,","sentiment":"negative","sentiment_score":-0.35452800989151},{"word":"is","start":660.24,"end":660.74,"confidence":0.9819336,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.4709588587284088},{"word":"even","start":661.04,"end":661.36,"confidence":0.96435547,"punctuated_word":"even","sentiment":"negative","sentiment_score":-0.3783312439918518},{"word":"potentially","start":661.36,"end":661.86,"confidence":0.9902344,"punctuated_word":"potentially","sentiment":"negative","sentiment_score":-0.45763498544692993},{"word":"skip","start":662.0,"end":662.24,"confidence":0.9819336,"punctuated_word":"skip","sentiment":"negative","sentiment_score":-0.39972442388534546},{"word":"us","start":662.24,"end":662.48,"confidence":0.93408203,"punctuated_word":"us","sentiment":"negative","sentiment_score":-0.5567198991775513},{"word":"altogether","start":662.48,"end":662.98,"confidence":0.97216797,"punctuated_word":"altogether.","sentiment":"negative","sentiment_score":-0.4335024952888489},{"word":"now","start":666.32,"end":666.82,"confidence":0.9633789,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.16445490717887878},{"word":"so","start":667.53,"end":667.965,"confidence":0.9873047,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1806734949350357},{"word":"skip","start":668.04504,"end":668.445,"confidence":0.8442383,"punctuated_word":"skip","sentiment":"neutral","sentiment_score":-0.20804010331630707},{"word":"using","start":668.445,"end":668.685,"confidence":0.9980469,"punctuated_word":"using","sentiment":"neutral","sentiment_score":-0.1698327511548996},{"word":"our","start":668.685,"end":668.92505,"confidence":0.3112793,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.12643709778785706},{"word":"q","start":668.92505,"end":669.085,"confidence":0.41552734,"punctuated_word":"Q","sentiment":"neutral","sentiment_score":-0.10828232020139694},{"word":"financial","start":669.085,"end":669.585,"confidence":0.9604492,"punctuated_word":"Financial","sentiment":"neutral","sentiment_score":-0.18752431869506836},{"word":"altogether","start":669.72504,"end":670.22504,"confidence":0.98535156,"punctuated_word":"altogether","sentiment":"neutral","sentiment_score":-0.24672172963619232},{"word":"is","start":670.60504,"end":670.765,"confidence":0.9707031,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.17941118776798248},{"word":"an","start":670.765,"end":670.84503,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.12381908297538756},{"word":"option","start":670.84503,"end":671.16504,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.07420065253973007},{"word":"that","start":671.16504,"end":671.325,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03351487219333649},{"word":"you","start":671.325,"end":671.565,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04884563386440277},{"word":"do","start":671.565,"end":671.72504,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0069541484117507935},{"word":"have","start":671.72504,"end":672.22504,"confidence":0.9995117,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":-0.08346827328205109},{"word":"so","start":672.36505,"end":672.685,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.018702015280723572},{"word":"for","start":672.685,"end":672.92505,"confidence":0.55029297,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.00008012354373931885},{"word":"example","start":672.92505,"end":673.42505,"confidence":0.99902344,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.024976596236228943},{"word":"let's","start":673.72504,"end":674.04504,"confidence":1.0,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.03755639120936394},{"word":"say","start":674.04504,"end":674.28503,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.0635082870721817},{"word":"you","start":674.28503,"end":674.60504,"confidence":0.9560547,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.045925941318273544},{"word":"engage","start":674.60504,"end":674.84503,"confidence":0.9790039,"punctuated_word":"engage","sentiment":"neutral","sentiment_score":0.05820208787918091},{"word":"an","start":674.84503,"end":675.085,"confidence":0.9370117,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06877975165843964},{"word":"accountant","start":675.085,"end":675.48505,"confidence":0.7680664,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":0.06348121166229248},{"word":"and","start":675.48505,"end":675.645,"confidence":0.87841797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0463164821267128},{"word":"set","start":675.645,"end":675.80505,"confidence":0.99121094,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.0730261281132698},{"word":"up","start":675.80505,"end":675.965,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.10321664810180664},{"word":"all","start":675.965,"end":676.125,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.08382085710763931},{"word":"your","start":676.125,"end":676.28503,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08262677490711212},{"word":"entities","start":676.28503,"end":676.78503,"confidence":0.80200195,"punctuated_word":"entities,","sentiment":"neutral","sentiment_score":0.04581849277019501},{"word":"and","start":677.325,"end":677.565,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04545048996806145},{"word":"then","start":677.565,"end":678.04504,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0216292105615139},{"word":"you","start":678.04504,"end":678.205,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011303119361400604},{"word":"just","start":678.205,"end":678.525,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04931734874844551},{"word":"open","start":678.525,"end":678.765,"confidence":0.9970703,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.09900368005037308},{"word":"up","start":678.765,"end":678.92505,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.08729034662246704},{"word":"your","start":678.92505,"end":679.085,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08451374620199203},{"word":"own","start":679.085,"end":679.405,"confidence":1.0,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.06175985559821129},{"word":"self","start":679.405,"end":679.72504,"confidence":0.9941406,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.08410588651895523},{"word":"managed","start":679.72504,"end":680.125,"confidence":0.98291016,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.11265325546264648},{"word":"super","start":680.125,"end":680.36505,"confidence":0.76123047,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1909013390541077},{"word":"fund","start":680.36505,"end":680.60504,"confidence":0.88671875,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.0964791178703308},{"word":"bank","start":680.60504,"end":680.84503,"confidence":0.9970703,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.12316618859767914},{"word":"account","start":680.84503,"end":681.085,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.07213684916496277},{"word":"with","start":681.085,"end":681.405,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11636044830083848},{"word":"whichever","start":681.405,"end":681.885,"confidence":0.9951172,"punctuated_word":"whichever","sentiment":"neutral","sentiment_score":0.1455460786819458},{"word":"bank","start":681.885,"end":682.385,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.10017035901546478},{"word":"owned","start":682.98,"end":683.3,"confidence":0.9921875,"punctuated_word":"owned","sentiment":"neutral","sentiment_score":0.08300330489873886},{"word":"by","start":683.3,"end":683.54,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.0977228656411171},{"word":"those","start":683.54,"end":683.78,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09005112946033478},{"word":"entities","start":683.78,"end":684.28,"confidence":0.7060547,"punctuated_word":"entities,","sentiment":"neutral","sentiment_score":0.08240792155265808},{"word":"we","start":685.22,"end":685.38,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16901281476020813},{"word":"can","start":685.38,"end":685.62,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2505883574485779},{"word":"help","start":685.62,"end":685.78,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.29657089710235596},{"word":"you","start":685.78,"end":686.02,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3031767010688782},{"word":"sell","start":686.02,"end":686.26,"confidence":0.98291016,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.21109548211097717},{"word":"down","start":686.26,"end":686.5,"confidence":0.9316406,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1404987275600433},{"word":"funds","start":686.5,"end":686.82,"confidence":0.9863281,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.11584495007991792},{"word":"and","start":686.82,"end":686.98,"confidence":0.8125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.032632313668727875},{"word":"roll","start":686.98,"end":687.3,"confidence":0.97802734,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.14255696535110474},{"word":"the","start":687.3,"end":687.38,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08472566306591034},{"word":"funds","start":687.38,"end":687.78,"confidence":0.9970703,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.06454233080148697},{"word":"across","start":687.78,"end":688.28,"confidence":0.94750977,"punctuated_word":"across.","sentiment":"neutral","sentiment_score":0.03716082870960235},{"word":"but","start":689.46,"end":689.78,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.05723949521780014},{"word":"for","start":689.78,"end":689.94,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.24284903705120087},{"word":"us","start":689.94,"end":690.1,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.15280213952064514},{"word":"to","start":690.1,"end":690.26,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18437883257865903},{"word":"step","start":690.26,"end":690.5,"confidence":0.99609375,"punctuated_word":"step","sentiment":"neutral","sentiment_score":-0.2399686872959137},{"word":"in","start":690.5,"end":690.66,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.19704917073249817},{"word":"and","start":690.66,"end":690.74,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.22147303819656372},{"word":"do","start":690.74,"end":690.98,"confidence":0.9863281,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.27159005403518677},{"word":"the","start":690.98,"end":691.14,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15225021541118622},{"word":"advice","start":691.14,"end":691.46,"confidence":0.9741211,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.1436457484960556},{"word":"and","start":691.46,"end":691.7,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1902596950531006},{"word":"tell","start":691.7,"end":691.86,"confidence":0.99609375,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":-0.13362762331962583},{"word":"you","start":691.86,"end":691.94,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1573217213153839},{"word":"which","start":691.94,"end":692.26,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.1913392543792725},{"word":"providers","start":692.26,"end":692.76,"confidence":0.98535156,"punctuated_word":"providers","sentiment":"neutral","sentiment_score":-0.1838805377483368},{"word":"to","start":692.82,"end":692.9,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2131979912519455},{"word":"go","start":692.9,"end":693.14,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.240752637386322},{"word":"with","start":693.14,"end":693.64,"confidence":0.9975586,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":-0.3119986653327942},{"word":"that's","start":693.86,"end":694.18,"confidence":1.0,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.5527005195617676},{"word":"gonna","start":694.18,"end":694.58,"confidence":0.8574219,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.42740869522094727},{"word":"be","start":694.58,"end":694.74,"confidence":0.99316406,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.4700794517993927},{"word":"the","start":694.74,"end":694.9,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4138280153274536},{"word":"part","start":694.9,"end":695.14,"confidence":0.8925781,"punctuated_word":"part","sentiment":"negative","sentiment_score":-0.5393019318580627},{"word":"that","start":695.14,"end":695.3,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4839024543762207},{"word":"pushes","start":695.3,"end":695.7,"confidence":1.0,"punctuated_word":"pushes","sentiment":"negative","sentiment_score":-0.5477384924888611},{"word":"you","start":695.7,"end":695.94,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.6005933880805969},{"word":"over","start":695.94,"end":696.26,"confidence":0.99902344,"punctuated_word":"over","sentiment":"negative","sentiment_score":-0.6146411299705505},{"word":"that","start":696.26,"end":696.42,"confidence":0.99316406,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5645973682403564},{"word":"line","start":696.42,"end":696.92,"confidence":0.99902344,"punctuated_word":"line","sentiment":"negative","sentiment_score":-0.681921660900116},{"word":"and","start":697.485,"end":697.985,"confidence":1.0,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.5264368057250977},{"word":"possibly","start":698.125,"end":698.605,"confidence":0.97314453,"punctuated_word":"possibly","sentiment":"negative","sentiment_score":-0.528003454208374},{"word":"gets","start":698.605,"end":698.845,"confidence":0.8120117,"punctuated_word":"gets","sentiment":"negative","sentiment_score":-0.5364882349967957},{"word":"you","start":698.845,"end":699.005,"confidence":0.99609375,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4959571957588196},{"word":"to","start":699.005,"end":699.085,"confidence":0.9902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4497624337673187},{"word":"miss","start":699.085,"end":699.325,"confidence":0.9892578,"punctuated_word":"miss","sentiment":"negative","sentiment_score":-0.520955502986908},{"word":"out","start":699.325,"end":699.565,"confidence":0.9980469,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.5805165767669678},{"word":"on","start":699.565,"end":699.645,"confidence":1.0,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.5182468891143799},{"word":"that","start":699.645,"end":699.805,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5175873041152954},{"word":"deal","start":699.805,"end":700.305,"confidence":0.9592285,"punctuated_word":"deal.","sentiment":"negative","sentiment_score":-0.4153929948806762},{"word":"so","start":703.96497,"end":704.205,"confidence":0.96240234,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.027586370706558228},{"word":"what","start":704.205,"end":704.365,"confidence":0.99316406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.010121747851371763},{"word":"you're","start":704.365,"end":704.605,"confidence":0.6090088,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.009538362734019756},{"word":"gonna","start":704.605,"end":704.845,"confidence":0.93115234,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.09033411741256714},{"word":"take","start":704.845,"end":705.005,"confidence":0.984375,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.1399628520011902},{"word":"into","start":705.005,"end":705.245,"confidence":0.99316406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1257331371307373},{"word":"account","start":705.245,"end":705.645,"confidence":0.953125,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.11442902684211732},{"word":"are","start":705.645,"end":705.805,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07949469238519669},{"word":"you","start":705.805,"end":705.96497,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13852417469024658},{"word":"comfortable","start":705.96497,"end":706.46497,"confidence":0.9980469,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.06480171531438828},{"word":"to","start":706.525,"end":706.685,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1454947292804718},{"word":"try","start":706.685,"end":707.005,"confidence":0.9980469,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.04292760044336319},{"word":"it","start":707.005,"end":707.085,"confidence":0.8886719,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12108837813138962},{"word":"yourself","start":707.085,"end":707.585,"confidence":0.99072266,"punctuated_word":"yourself?","sentiment":"neutral","sentiment_score":0.11370089650154114},{"word":"it's","start":721.775,"end":722.09503,"confidence":0.7807617,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.04310649633407593},{"word":"probably","start":722.09503,"end":722.415,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.05379107594490051},{"word":"the","start":722.415,"end":722.655,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.050132304430007935},{"word":"opposite","start":722.655,"end":723.135,"confidence":1.0,"punctuated_word":"opposite","sentiment":"neutral","sentiment_score":-0.02255941927433014},{"word":"there","start":723.135,"end":723.375,"confidence":0.9169922,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.05835440009832382},{"word":"viv","start":723.375,"end":723.615,"confidence":0.46081543,"punctuated_word":"Viv,","sentiment":"neutral","sentiment_score":0.05369889363646507},{"word":"because","start":723.615,"end":724.115,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.033214978873729706},{"word":"if","start":724.335,"end":724.655,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15967606008052826},{"word":"you","start":724.655,"end":724.775,"confidence":0.984375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19334524869918823},{"word":"getting","start":724.895,"end":725.295,"confidence":0.98535156,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.1945385634899139},{"word":"the","start":725.295,"end":725.455,"confidence":0.796875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15086451172828674},{"word":"contract","start":725.455,"end":725.935,"confidence":0.99121094,"punctuated_word":"contract","sentiment":"neutral","sentiment_score":0.12189505994319916},{"word":"signed","start":725.935,"end":726.175,"confidence":0.98291016,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.0915943682193756},{"word":"before","start":726.175,"end":726.655,"confidence":0.9951172,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.08400097489356995},{"word":"that","start":726.655,"end":726.97504,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11764752864837646},{"word":"forty","start":726.97504,"end":727.295,"confidence":0.99902344,"punctuated_word":"forty","sentiment":"neutral","sentiment_score":0.11402802169322968},{"word":"five","start":727.295,"end":727.53503,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.08103811740875244},{"word":"day","start":727.53503,"end":727.695,"confidence":0.98828125,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.1135018914937973},{"word":"cutoff","start":727.695,"end":728.09503,"confidence":0.88256836,"punctuated_word":"cutoff,","sentiment":"neutral","sentiment_score":0.06012391299009323},{"word":"that's","start":728.09503,"end":728.335,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.18059584498405457},{"word":"the","start":728.335,"end":728.495,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16676825284957886},{"word":"most","start":728.495,"end":728.815,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.1604921519756317},{"word":"important","start":728.815,"end":729.315,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.12592673301696777},{"word":"thing","start":729.375,"end":729.875,"confidence":0.7352295,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.20586629211902616},{"word":"and","start":729.935,"end":730.175,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17246274650096893},{"word":"then","start":730.175,"end":730.415,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.21180568635463717},{"word":"it's","start":730.415,"end":730.575,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.20225827395915985},{"word":"making","start":730.575,"end":730.895,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.13430523872375488},{"word":"sure","start":730.895,"end":731.215,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.12589305639266968},{"word":"that","start":731.215,"end":731.375,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16393569111824036},{"word":"you","start":731.375,"end":731.53503,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1384887397289276},{"word":"get","start":731.53503,"end":731.695,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.13953617215156555},{"word":"the","start":731.695,"end":731.855,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17290037870407104},{"word":"loan","start":731.855,"end":732.09503,"confidence":0.9980469,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.14287175238132477},{"word":"application","start":732.09503,"end":732.59503,"confidence":1.0,"punctuated_word":"application","sentiment":"neutral","sentiment_score":0.1606010943651199},{"word":"approved","start":732.735,"end":733.215,"confidence":0.9892578,"punctuated_word":"approved","sentiment":"neutral","sentiment_score":0.05161228775978088},{"word":"in","start":733.215,"end":733.455,"confidence":0.9086914,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.101702019572258},{"word":"time","start":733.455,"end":733.92,"confidence":0.9157715,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.08205209672451019},{"word":"correct","start":744.39996,"end":744.8,"confidence":0.97631836,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":-0.007409416139125824},{"word":"so","start":744.8,"end":745.04,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05723858624696731},{"word":"if","start":745.04,"end":745.2,"confidence":0.9819336,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03648783266544342},{"word":"we","start":745.2,"end":745.44,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1074979156255722},{"word":"try","start":745.44,"end":745.68,"confidence":0.99609375,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.06211841106414795},{"word":"and","start":745.68,"end":746.0,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10380563139915466},{"word":"go","start":746.0,"end":746.24,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10721707344055176},{"word":"through","start":746.24,"end":746.48,"confidence":0.98095703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0676843523979187},{"word":"our","start":746.48,"end":746.72,"confidence":0.8496094,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.15097425878047943},{"word":"usual","start":746.72,"end":747.22,"confidence":0.5957031,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":0.09209296852350236},{"word":"advice","start":747.27997,"end":747.68,"confidence":0.9326172,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.01989644765853882},{"word":"process","start":747.68,"end":748.18,"confidence":0.9885254,"punctuated_word":"process,","sentiment":"neutral","sentiment_score":0.07397133111953735},{"word":"get","start":748.685,"end":748.845,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.14310221374034882},{"word":"you","start":748.845,"end":749.005,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15694038569927216},{"word":"to","start":749.005,"end":749.08496,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15355777740478516},{"word":"sign","start":749.08496,"end":749.40497,"confidence":0.9980469,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.06803010404109955},{"word":"your","start":749.40497,"end":749.64496,"confidence":0.90625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0970049649477005},{"word":"statements","start":749.64496,"end":750.045,"confidence":0.8232422,"punctuated_word":"statements","sentiment":"neutral","sentiment_score":0.08021415024995804},{"word":"of","start":750.045,"end":750.20496,"confidence":0.8803711,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06027966737747192},{"word":"advice","start":750.20496,"end":750.605,"confidence":0.98046875,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.0392327792942524},{"word":"set","start":750.605,"end":750.76495,"confidence":0.98535156,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.0620172917842865},{"word":"up","start":750.76495,"end":751.005,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07592743635177612},{"word":"accounts","start":751.005,"end":751.40497,"confidence":0.7949219,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.039070867002010345},{"word":"and","start":751.40497,"end":751.565,"confidence":0.9560547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06885918974876404},{"word":"applications","start":751.565,"end":752.065,"confidence":0.9970703,"punctuated_word":"applications","sentiment":"neutral","sentiment_score":0.04866179823875427},{"word":"and","start":752.285,"end":752.445,"confidence":0.9448242,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07578962296247482},{"word":"everything","start":752.445,"end":752.945,"confidence":0.9638672,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":0.07026515156030655},{"word":"that","start":753.32495,"end":753.565,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08440530300140381},{"word":"might","start":753.565,"end":753.725,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.03490334749221802},{"word":"be","start":753.725,"end":753.96497,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06300210952758789},{"word":"three","start":753.96497,"end":754.20496,"confidence":0.9172363,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":-0.009259738028049467},{"word":"four","start":754.20496,"end":754.445,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.03621876239776611},{"word":"weeks","start":754.445,"end":754.76495,"confidence":0.99902344,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":-0.0011693835258483889},{"word":"down","start":754.76495,"end":754.925,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.019417688250541687},{"word":"the","start":754.925,"end":755.005,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06688420474529266},{"word":"line","start":755.005,"end":755.32495,"confidence":1.0,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.03677061200141907},{"word":"before","start":755.32495,"end":755.565,"confidence":0.99609375,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.038364067673683167},{"word":"we","start":755.565,"end":755.64496,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07260474562644958},{"word":"get","start":755.64496,"end":755.885,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0988570749759674},{"word":"all","start":755.885,"end":756.045,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.17460988461971283},{"word":"the","start":756.045,"end":756.20496,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17135773599147797},{"word":"funds","start":756.20496,"end":756.52496,"confidence":0.9980469,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.12524841725826263},{"word":"rolled","start":756.52496,"end":756.845,"confidence":0.9838867,"punctuated_word":"rolled","sentiment":"neutral","sentiment_score":0.28006303310394287},{"word":"across","start":756.845,"end":757.32495,"confidence":1.0,"punctuated_word":"across","sentiment":"positive","sentiment_score":0.34506815671920776},{"word":"if","start":757.32495,"end":757.565,"confidence":0.5786133,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2688502073287964},{"word":"everything","start":757.565,"end":757.885,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.31519433856010437},{"word":"goes","start":757.885,"end":758.20496,"confidence":1.0,"punctuated_word":"goes","sentiment":"positive","sentiment_score":0.4115458130836487},{"word":"perfectly","start":758.20496,"end":758.70496,"confidence":0.9538574,"punctuated_word":"perfectly.","sentiment":"neutral","sentiment_score":0.2058493047952652},{"word":"whereas","start":759.005,"end":759.485,"confidence":0.9921875,"punctuated_word":"Whereas","sentiment":"neutral","sentiment_score":0.12097899615764618},{"word":"technically","start":759.485,"end":759.985,"confidence":0.7409668,"punctuated_word":"technically,","sentiment":"neutral","sentiment_score":0.0951918214559555},{"word":"and","start":760.125,"end":760.365,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1166841983795166},{"word":"i'm","start":760.365,"end":760.52496,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06227422878146171},{"word":"not","start":760.52496,"end":760.685,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.010976165533065796},{"word":"telling","start":760.685,"end":761.005,"confidence":1.0,"punctuated_word":"telling","sentiment":"neutral","sentiment_score":-0.06657689809799194},{"word":"you","start":761.005,"end":761.165,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.006486937403678894},{"word":"to","start":761.165,"end":761.32495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.029893159866333008},{"word":"do","start":761.32495,"end":761.485,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.023244835436344147},{"word":"this","start":761.485,"end":761.985,"confidence":0.9655762,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":-0.018860433250665665},{"word":"but","start":763.16,"end":763.48,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04498087614774704},{"word":"if","start":763.48,"end":763.72,"confidence":0.99121094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19268471002578735},{"word":"you","start":763.72,"end":763.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27384141087532043},{"word":"engage","start":763.96,"end":764.27997,"confidence":0.9790039,"punctuated_word":"engage","sentiment":"neutral","sentiment_score":0.1515476107597351},{"word":"that","start":764.27997,"end":764.52,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2919788956642151},{"word":"account","start":764.52,"end":764.76,"confidence":0.6538086,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.15467014908790588},{"word":"and","start":764.76,"end":765.0,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2281569540500641},{"word":"set","start":765.0,"end":765.24,"confidence":0.7783203,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.2466590404510498},{"word":"everything","start":765.24,"end":765.56,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2377917766571045},{"word":"up","start":765.56,"end":765.96,"confidence":0.99853516,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.22196266055107117},{"word":"you","start":765.96,"end":766.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3031250834465027},{"word":"could","start":766.2,"end":766.44,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.3278297781944275},{"word":"literally","start":766.44,"end":766.76,"confidence":0.9951172,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":0.23608723282814023},{"word":"go","start":766.76,"end":767.0,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.16475796699523926},{"word":"to","start":767.0,"end":767.5,"confidence":0.9038086,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13100092113018036},{"word":"the","start":767.72,"end":767.88,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15789580345153809},{"word":"bank","start":767.88,"end":768.38,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.14016984403133392},{"word":"with","start":768.68,"end":768.92,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21604400873184204},{"word":"all","start":768.92,"end":769.08,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.23499158024787903},{"word":"of","start":769.08,"end":769.24,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23532117903232577},{"word":"your","start":769.24,"end":769.4,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1604965329170227},{"word":"information","start":769.4,"end":769.9,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.17407214641571045},{"word":"and","start":770.2,"end":770.36,"confidence":0.8125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15607136487960815},{"word":"then","start":770.36,"end":770.6,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1346077024936676},{"word":"just","start":770.6,"end":770.83997,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2201661467552185},{"word":"open","start":770.83997,"end":771.08,"confidence":1.0,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.2572344243526459},{"word":"up","start":771.08,"end":771.24,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.25797903537750244},{"word":"the","start":771.24,"end":771.4,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22385866940021515},{"word":"bank","start":771.4,"end":771.64,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.15303707122802734},{"word":"account","start":771.64,"end":772.14,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.11596962809562684},{"word":"straight","start":772.44,"end":772.68,"confidence":0.9716797,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":0.2570222020149231},{"word":"away","start":772.68,"end":773.0,"confidence":0.5805664,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.24188274145126343},{"word":"within","start":773.0,"end":773.4,"confidence":0.9892578,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.17667081952095032},{"word":"a","start":773.4,"end":773.48,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19229590892791748},{"word":"couple","start":773.48,"end":773.72,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.07368659973144531},{"word":"of","start":773.72,"end":773.88,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11087995767593384},{"word":"days","start":773.88,"end":774.38,"confidence":0.99902344,"punctuated_word":"days.","sentiment":"neutral","sentiment_score":0.09549430757761002},{"word":"k","start":778.065,"end":778.30505,"confidence":0.71875,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.11391359567642212},{"word":"so","start":778.30505,"end":778.465,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16082090139389038},{"word":"i'm","start":778.465,"end":778.54504,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.21742253005504608},{"word":"just","start":778.54504,"end":778.705,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.263649046421051},{"word":"giving","start":778.705,"end":778.945,"confidence":0.99902344,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.28333044052124023},{"word":"you","start":778.945,"end":779.10504,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2959393560886383},{"word":"that","start":779.10504,"end":779.265,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29652202129364014},{"word":"option","start":779.265,"end":779.505,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.2493837773799896},{"word":"to","start":779.505,"end":779.66504,"confidence":0.87597656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26655760407447815},{"word":"say","start":779.66504,"end":779.825,"confidence":0.91137695,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.22674204409122467},{"word":"like","start":779.825,"end":780.325,"confidence":0.9941406,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2596680819988251},{"word":"you","start":780.465,"end":780.705,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2449281215667725},{"word":"don't","start":780.705,"end":781.025,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.1410703957080841},{"word":"have","start":781.025,"end":781.34503,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1592855155467987},{"word":"to","start":781.34503,"end":781.42505,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07081197202205658},{"word":"go","start":781.42505,"end":781.92505,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.017218485474586487},{"word":"the","start":782.385,"end":782.54504,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07304231822490692},{"word":"route","start":782.54504,"end":782.78503,"confidence":1.0,"punctuated_word":"route","sentiment":"neutral","sentiment_score":0.016334593296051025},{"word":"that","start":782.78503,"end":782.945,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11568986624479294},{"word":"i'm","start":782.945,"end":783.185,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0899716317653656},{"word":"saying","start":783.185,"end":783.505,"confidence":0.9343262,"punctuated_word":"saying.","sentiment":"neutral","sentiment_score":0.12734118103981018},{"word":"that's","start":783.505,"end":783.74506,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.15345492959022522},{"word":"our","start":783.74506,"end":783.98505,"confidence":0.99121094,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.08985279500484467},{"word":"standard","start":783.98505,"end":784.48505,"confidence":0.99902344,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":0.0761304423213005},{"word":"process","start":784.54504,"end":785.04504,"confidence":0.99902344,"punctuated_word":"process.","sentiment":"neutral","sentiment_score":0.06666912138462067},{"word":"the","start":785.825,"end":785.98505,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.25525593757629395},{"word":"risk","start":785.98505,"end":786.30505,"confidence":1.0,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.4461964964866638},{"word":"is","start":786.30505,"end":786.465,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2596045732498169},{"word":"that","start":786.465,"end":786.625,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3502742350101471},{"word":"we","start":786.625,"end":786.86505,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.3150666356086731},{"word":"miss","start":786.86505,"end":787.10504,"confidence":0.7114258,"punctuated_word":"miss","sentiment":"negative","sentiment_score":-0.5800937414169312},{"word":"it","start":787.10504,"end":787.185,"confidence":0.99609375,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.46213579177856445},{"word":"by","start":787.185,"end":787.42505,"confidence":1.0,"punctuated_word":"by","sentiment":"negative","sentiment_score":-0.6211645007133484},{"word":"a","start":787.42505,"end":787.505,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5280881524085999},{"word":"couple","start":787.505,"end":787.825,"confidence":1.0,"punctuated_word":"couple","sentiment":"negative","sentiment_score":-0.4129446744918823},{"word":"of","start":787.825,"end":787.98505,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.43974900245666504},{"word":"days","start":787.98505,"end":788.48505,"confidence":0.98583984,"punctuated_word":"days.","sentiment":"negative","sentiment_score":-0.3628523647785187},{"word":"if","start":789.02997,"end":789.19,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.057918891310691833},{"word":"it's","start":789.19,"end":789.35,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07151594758033752},{"word":"something","start":789.35,"end":789.75,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.056731581687927246},{"word":"that","start":789.75,"end":789.99,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07620196044445038},{"word":"you're","start":789.99,"end":790.49,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1131107434630394},{"word":"really","start":790.63,"end":791.02997,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.17501282691955566},{"word":"set","start":791.02997,"end":791.26996,"confidence":0.99902344,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.16897785663604736},{"word":"on","start":791.26996,"end":791.50995,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2375786304473877},{"word":"pursuing","start":791.50995,"end":791.99,"confidence":0.99902344,"punctuated_word":"pursuing","sentiment":"neutral","sentiment_score":0.17467600107192993},{"word":"yourself","start":791.99,"end":792.49,"confidence":0.9782715,"punctuated_word":"yourself,","sentiment":"neutral","sentiment_score":0.28590404987335205},{"word":"you","start":792.87,"end":793.11,"confidence":0.85498047,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3952131867408752},{"word":"can","start":793.11,"end":793.26996,"confidence":0.9980469,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.40782156586647034},{"word":"do","start":793.26996,"end":793.58997,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14893674850463867},{"word":"that","start":793.58997,"end":793.99,"confidence":0.9975586,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.14845789968967438},{"word":"we","start":793.99,"end":794.23,"confidence":1.0,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.38941723108291626},{"word":"can","start":794.23,"end":794.47,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4480302035808563},{"word":"help","start":794.47,"end":794.79,"confidence":1.0,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.4878709316253662},{"word":"facilitate","start":794.79,"end":795.29,"confidence":1.0,"punctuated_word":"facilitate","sentiment":"positive","sentiment_score":0.4882003366947174},{"word":"things","start":795.43,"end":795.75,"confidence":0.9980469,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.5170882344245911},{"word":"like","start":795.75,"end":796.25,"confidence":0.82373047,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3817818760871887},{"word":"selling","start":796.47,"end":796.87,"confidence":0.66845703,"punctuated_word":"selling","sentiment":"positive","sentiment_score":0.3799544870853424},{"word":"down","start":796.87,"end":797.11,"confidence":1.0,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.3790207505226135},{"word":"your","start":797.11,"end":797.35,"confidence":0.9902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.39429759979248047},{"word":"hub","start":797.35,"end":797.58997,"confidence":0.75634766,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.269503653049469},{"word":"24","start":797.58997,"end":798.14996,"confidence":0.99609375,"punctuated_word":"24","sentiment":"positive","sentiment_score":0.36748206615448},{"word":"so","start":798.14996,"end":798.31,"confidence":0.7998047,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.26930850744247437},{"word":"it's","start":798.31,"end":798.55,"confidence":1.0,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.3763322234153747},{"word":"available","start":798.55,"end":799.05,"confidence":1.0,"punctuated_word":"available","sentiment":"neutral","sentiment_score":0.32088974118232727},{"word":"to","start":799.19,"end":799.35,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3865804970264435},{"word":"roll","start":799.35,"end":799.50995,"confidence":0.9980469,"punctuated_word":"roll","sentiment":"positive","sentiment_score":0.36876943707466125},{"word":"across","start":799.50995,"end":799.91,"confidence":0.99902344,"punctuated_word":"across","sentiment":"positive","sentiment_score":0.40954527258872986},{"word":"quickly","start":799.91,"end":800.41,"confidence":0.8405762,"punctuated_word":"quickly.","sentiment":"positive","sentiment_score":0.3624916970729828},{"word":"but","start":800.70996,"end":800.94995,"confidence":0.9921875,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.22738321125507355},{"word":"you","start":800.94995,"end":801.11,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08648897707462311},{"word":"just","start":801.11,"end":801.35,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1653442233800888},{"word":"need","start":801.35,"end":801.50995,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0435028076171875},{"word":"a","start":801.50995,"end":801.67,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.048096902668476105},{"word":"really","start":801.67,"end":801.91,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.17023015022277832},{"word":"good","start":801.91,"end":802.14996,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.04462724924087525},{"word":"accountant","start":802.14996,"end":802.63,"confidence":0.99121094,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":0.1627531200647354},{"word":"who","start":802.63,"end":802.79,"confidence":0.9980469,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.10894311964511871},{"word":"can","start":802.79,"end":803.02997,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2109250575304031},{"word":"actually","start":803.02997,"end":803.52997,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.32847684621810913},{"word":"set","start":804.14496,"end":804.385,"confidence":0.9970703,"punctuated_word":"set","sentiment":"positive","sentiment_score":0.35300928354263306},{"word":"everything","start":804.385,"end":804.70496,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.4169089794158935},{"word":"up","start":804.70496,"end":804.865,"confidence":0.99902344,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4609408378601074},{"word":"and","start":804.865,"end":805.02496,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19247861206531525},{"word":"actually","start":805.02496,"end":805.265,"confidence":0.99316406,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.19013026356697085},{"word":"do","start":805.265,"end":805.425,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19786269962787628},{"word":"the","start":805.425,"end":805.505,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2985566258430481},{"word":"rollovers","start":805.505,"end":806.005,"confidence":0.95751953,"punctuated_word":"rollovers","sentiment":"neutral","sentiment_score":0.29309403896331787},{"word":"properly","start":806.14496,"end":806.64496,"confidence":0.9995117,"punctuated_word":"properly.","sentiment":"neutral","sentiment_score":-0.017007606104016304},{"word":"what's","start":808.385,"end":808.70496,"confidence":0.9230957,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.05884174257516861},{"word":"been","start":808.70496,"end":808.945,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.1759030818939209},{"word":"happening","start":808.945,"end":809.265,"confidence":0.99902344,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.12345107644796371},{"word":"this","start":809.265,"end":809.505,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.0930892676115036},{"word":"year","start":809.505,"end":809.825,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.07373727113008499},{"word":"for","start":809.825,"end":809.985,"confidence":0.91845703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.026804890483617783},{"word":"me","start":809.985,"end":810.225,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.013189487159252168},{"word":"personally","start":810.225,"end":810.725,"confidence":0.74365234,"punctuated_word":"personally","sentiment":"neutral","sentiment_score":-0.02038685977458954},{"word":"is","start":811.02496,"end":811.345,"confidence":0.8881836,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.014646943658590317},{"word":"i've","start":811.345,"end":811.505,"confidence":0.9921875,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.05231153964996338},{"word":"gone","start":811.505,"end":811.745,"confidence":0.9980469,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.054165929555892944},{"word":"through","start":811.745,"end":812.065,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.05982870236039162},{"word":"five","start":812.065,"end":812.385,"confidence":0.9970703,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.054642900824546814},{"word":"self","start":812.385,"end":812.70496,"confidence":0.9707031,"punctuated_word":"self","sentiment":"neutral","sentiment_score":-0.0646660327911377},{"word":"managed","start":812.70496,"end":813.02496,"confidence":0.57910156,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":-0.05741417780518532},{"word":"super","start":813.02496,"end":813.345,"confidence":0.87060547,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.04161109775304794},{"word":"fund","start":813.345,"end":813.58496,"confidence":0.6948242,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.0342441089451313},{"word":"setups","start":813.58496,"end":814.08496,"confidence":0.86743164,"punctuated_word":"setups.","sentiment":"neutral","sentiment_score":-0.03764009475708008},{"word":"three","start":815.105,"end":815.265,"confidence":0.9863281,"punctuated_word":"Three","sentiment":"neutral","sentiment_score":-0.05079100653529167},{"word":"of","start":815.265,"end":815.425,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0664515271782875},{"word":"them","start":815.425,"end":815.825,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.06879448890686035},{"word":"took","start":815.825,"end":816.065,"confidence":0.9970703,"punctuated_word":"took","sentiment":"neutral","sentiment_score":-0.046380579471588135},{"word":"about","start":816.065,"end":816.46497,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06604847311973572},{"word":"six","start":816.46497,"end":816.70496,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.0547134168446064},{"word":"to","start":816.70496,"end":816.865,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1092868149280548},{"word":"eight","start":816.865,"end":817.105,"confidence":1.0,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":-0.07250805199146271},{"word":"weeks","start":817.105,"end":817.605,"confidence":0.9399414,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":-0.0565037801861763},{"word":"one","start":817.85004,"end":818.09,"confidence":1.0,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.09229542315006256},{"word":"of","start":818.09,"end":818.17004,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08845996856689453},{"word":"them","start":818.17004,"end":818.25,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.10420291125774384},{"word":"took","start":818.25,"end":818.73004,"confidence":0.99902344,"punctuated_word":"took","sentiment":"neutral","sentiment_score":-0.07550585269927979},{"word":"four","start":818.73004,"end":818.97003,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.09155049175024033},{"word":"months","start":818.97003,"end":819.29004,"confidence":0.91015625,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.07252851128578186},{"word":"one","start":819.29004,"end":819.53,"confidence":1.0,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.10484595596790314},{"word":"of","start":819.53,"end":819.61005,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1281164437532425},{"word":"them","start":819.61005,"end":819.77,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.1342262476682663},{"word":"took","start":819.77,"end":820.01,"confidence":0.99902344,"punctuated_word":"took","sentiment":"neutral","sentiment_score":-0.10472188889980316},{"word":"nine","start":820.01,"end":820.33,"confidence":1.0,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":-0.11761924624443054},{"word":"months","start":820.33,"end":820.83,"confidence":0.94433594,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.0935220867395401},{"word":"and","start":823.37,"end":823.61005,"confidence":0.9892578,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.11698387563228609},{"word":"that","start":823.61005,"end":823.77,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.18290932476520536},{"word":"was","start":823.77,"end":824.01,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.15710435807704926},{"word":"just","start":824.01,"end":824.51,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.21449653804302216},{"word":"superfunds","start":824.97003,"end":825.47003,"confidence":0.83186847,"punctuated_word":"Superfunds","sentiment":"neutral","sentiment_score":-0.25839701294898987},{"word":"being","start":825.69,"end":825.93,"confidence":0.9921875,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.2525641918182373},{"word":"weird","start":825.93,"end":826.25,"confidence":0.9951172,"punctuated_word":"weird","sentiment":"neutral","sentiment_score":-0.318242609500885},{"word":"about","start":826.25,"end":826.65,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.2732693552970886},{"word":"details","start":826.65,"end":827.15,"confidence":0.9211426,"punctuated_word":"details.","sentiment":"neutral","sentiment_score":-0.28535205125808716},{"word":"the","start":827.45,"end":827.69,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.23224857449531555},{"word":"aco","start":827.69,"end":828.17004,"confidence":0.9230957,"punctuated_word":"ACO","sentiment":"neutral","sentiment_score":-0.21573400497436523},{"word":"taking","start":828.17004,"end":828.41003,"confidence":0.9472656,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.2661079168319702},{"word":"its","start":828.41003,"end":828.73004,"confidence":0.9550781,"punctuated_word":"its","sentiment":"negative","sentiment_score":-0.355105996131897},{"word":"time","start":828.73004,"end":829.05005,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.26447755098342896},{"word":"to","start":829.05005,"end":829.29004,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.27228954434394836},{"word":"apply","start":829.29004,"end":829.61005,"confidence":0.9980469,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":-0.19025389850139615},{"word":"bank","start":829.61005,"end":829.93,"confidence":0.9951172,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.14066171646118164},{"word":"account","start":829.93,"end":830.25,"confidence":0.9980469,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.2125800848007202},{"word":"details","start":830.25,"end":830.75,"confidence":0.99902344,"punctuated_word":"details","sentiment":"neutral","sentiment_score":-0.2577399015426636},{"word":"to","start":830.81,"end":830.97003,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21753783524036407},{"word":"allow","start":830.97003,"end":831.29004,"confidence":0.98828125,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":-0.1573251634836197},{"word":"rollovers","start":831.29004,"end":831.79004,"confidence":0.97184247,"punctuated_word":"rollovers.","sentiment":"neutral","sentiment_score":-0.14170262217521667},{"word":"whoever","start":833.365,"end":833.765,"confidence":0.99121094,"punctuated_word":"Whoever","sentiment":"negative","sentiment_score":-0.478752076625824},{"word":"was","start":833.765,"end":833.925,"confidence":0.9970703,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.4185929596424103},{"word":"typing","start":833.925,"end":834.245,"confidence":0.9980469,"punctuated_word":"typing","sentiment":"negative","sentiment_score":-0.41628298163414},{"word":"in","start":834.245,"end":834.40497,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4684690833091736},{"word":"the","start":834.40497,"end":834.565,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5046549439430237},{"word":"details","start":834.565,"end":835.065,"confidence":0.99902344,"punctuated_word":"details","sentiment":"negative","sentiment_score":-0.534954309463501},{"word":"from","start":835.125,"end":835.625,"confidence":1.0,"punctuated_word":"from","sentiment":"negative","sentiment_score":-0.5171590447425842},{"word":"the","start":835.765,"end":835.925,"confidence":0.9863281,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.44369083642959595},{"word":"superstream","start":835.925,"end":836.425,"confidence":0.8959961,"punctuated_word":"SuperStream","sentiment":"negative","sentiment_score":-0.3653845191001892},{"word":"system","start":836.565,"end":836.96497,"confidence":0.9760742,"punctuated_word":"system","sentiment":"negative","sentiment_score":-0.46964535117149353},{"word":"was","start":836.96497,"end":837.125,"confidence":0.9921875,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.5109111070632935},{"word":"typing","start":837.125,"end":837.525,"confidence":1.0,"punctuated_word":"typing","sentiment":"negative","sentiment_score":-0.508082389831543},{"word":"in","start":837.525,"end":838.025,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.5134462714195251},{"word":"the","start":838.645,"end":838.805,"confidence":0.97509766,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.462932825088501},{"word":"wrong","start":838.805,"end":839.125,"confidence":1.0,"punctuated_word":"wrong","sentiment":"negative","sentiment_score":-0.4260398745536804},{"word":"details","start":839.125,"end":839.625,"confidence":1.0,"punctuated_word":"details","sentiment":"negative","sentiment_score":-0.5339882969856262},{"word":"of","start":840.245,"end":840.485,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4990036189556122},{"word":"the","start":840.485,"end":840.645,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.47359874844551086},{"word":"fund","start":840.645,"end":840.96497,"confidence":0.77124023,"punctuated_word":"fund,","sentiment":"negative","sentiment_score":-0.39033305644989014},{"word":"and","start":840.96497,"end":841.125,"confidence":1.0,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3684904873371124},{"word":"then","start":841.125,"end":841.365,"confidence":0.99902344,"punctuated_word":"then","sentiment":"negative","sentiment_score":-0.34597504138946533},{"word":"that","start":841.365,"end":841.525,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4039366841316223},{"word":"was","start":841.525,"end":841.685,"confidence":1.0,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.4482296109199524},{"word":"bouncing","start":841.685,"end":842.165,"confidence":0.9863281,"punctuated_word":"bouncing","sentiment":"negative","sentiment_score":-0.4511338174343109},{"word":"back","start":842.165,"end":842.40497,"confidence":0.83251953,"punctuated_word":"back.","sentiment":"negative","sentiment_score":-0.4112449586391449},{"word":"and","start":842.40497,"end":842.565,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.18709968030452728},{"word":"then","start":842.565,"end":842.725,"confidence":0.9760742,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1364889293909073},{"word":"there's","start":842.725,"end":842.96497,"confidence":0.66845703,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.15520936250686646},{"word":"this","start":842.96497,"end":843.125,"confidence":0.46850586,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.14973656833171844},{"word":"troubleshooting","start":843.125,"end":843.625,"confidence":0.98950195,"punctuated_word":"troubleshooting","sentiment":"neutral","sentiment_score":-0.1905791014432907},{"word":"of","start":844.66003,"end":845.06,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19022850692272184},{"word":"every","start":845.06,"end":845.3,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.1931491643190384},{"word":"single","start":845.3,"end":845.62,"confidence":1.0,"punctuated_word":"single","sentiment":"neutral","sentiment_score":-0.1909207254648209},{"word":"detail","start":845.62,"end":846.12,"confidence":0.99902344,"punctuated_word":"detail","sentiment":"neutral","sentiment_score":-0.14238174259662628},{"word":"for","start":846.9,"end":847.3,"confidence":0.9526367,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.12290043383836746},{"word":"the","start":847.3,"end":847.46,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1212373897433281},{"word":"trust","start":847.46,"end":847.78,"confidence":0.9951172,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":-0.07414151728153229},{"word":"and","start":847.78,"end":847.94,"confidence":0.47680664,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10054366290569304},{"word":"the","start":847.94,"end":848.10004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0868833139538765},{"word":"company","start":848.10004,"end":848.5,"confidence":1.0,"punctuated_word":"company","sentiment":"neutral","sentiment_score":-0.07512018084526062},{"word":"and","start":848.5,"end":848.66003,"confidence":0.703125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.099247008562088},{"word":"the","start":848.66003,"end":848.82,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12432019412517548},{"word":"accounts","start":848.82,"end":849.32,"confidence":0.78930664,"punctuated_word":"accounts.","sentiment":"neutral","sentiment_score":-0.1162920892238617},{"word":"you've","start":849.62,"end":849.86,"confidence":0.9946289,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":-0.06557577848434448},{"word":"got","start":849.86,"end":850.10004,"confidence":0.5292969,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.07174564152956009},{"word":"to","start":850.10004,"end":850.18,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0564531572163105},{"word":"make","start":850.18,"end":850.26,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.038356587290763855},{"word":"sure","start":850.26,"end":850.5,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.0351446233689785},{"word":"you","start":850.5,"end":850.74,"confidence":0.94970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04629315435886383},{"word":"cross","start":850.74,"end":850.98,"confidence":0.9873047,"punctuated_word":"cross","sentiment":"neutral","sentiment_score":-0.014812178909778597},{"word":"reference","start":850.98,"end":851.3,"confidence":0.95703125,"punctuated_word":"reference","sentiment":"neutral","sentiment_score":-0.029067322611808777},{"word":"about","start":851.3,"end":851.7,"confidence":0.99121094,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.046344030648469925},{"word":"46","start":851.7,"end":852.52,"confidence":0.99853516,"punctuated_word":"46","sentiment":"neutral","sentiment_score":-0.04167408496141434},{"word":"digits","start":852.74,"end":853.22003,"confidence":0.9980469,"punctuated_word":"digits","sentiment":"neutral","sentiment_score":-0.029134780168533325},{"word":"of","start":853.22003,"end":853.38,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0517786480486393},{"word":"data","start":853.38,"end":853.86,"confidence":0.7895508,"punctuated_word":"data,","sentiment":"neutral","sentiment_score":-0.044372450560331345},{"word":"essentially","start":853.86,"end":854.36,"confidence":0.9995117,"punctuated_word":"essentially.","sentiment":"neutral","sentiment_score":-0.03663301467895508},{"word":"yeah","start":865.47504,"end":865.955,"confidence":0.8532715,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04675671458244324},{"word":"so","start":865.955,"end":866.455,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09049075841903688},{"word":"yeah","start":881.615,"end":881.855,"confidence":0.75146484,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08175036311149597},{"word":"that's","start":881.855,"end":882.095,"confidence":0.99560547,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.014626438729465008},{"word":"a","start":882.095,"end":882.33496,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07344216853380203},{"word":"fantastic","start":882.33496,"end":882.83496,"confidence":1.0,"punctuated_word":"fantastic","sentiment":"neutral","sentiment_score":0.06553921103477478},{"word":"question","start":882.975,"end":883.375,"confidence":0.8317871,"punctuated_word":"question,","sentiment":"neutral","sentiment_score":0.06074432283639908},{"word":"and","start":883.375,"end":883.855,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1524134874343872},{"word":"that's","start":883.855,"end":884.175,"confidence":0.75512695,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.30364176630973816},{"word":"a","start":884.175,"end":884.25494,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28519123792648315},{"word":"great","start":884.25494,"end":884.495,"confidence":0.99902344,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.4763646125793457},{"word":"way","start":884.495,"end":884.65497,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.3940441608428955},{"word":"to","start":884.65497,"end":884.735,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10690174996852876},{"word":"put","start":884.735,"end":884.89496,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.10929687321186066},{"word":"it","start":884.89496,"end":885.13495,"confidence":0.710083,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.18080280721187592},{"word":"this","start":885.13495,"end":885.615,"confidence":0.55355835,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.11885526776313782},{"word":"so","start":885.615,"end":886.115,"confidence":0.9589844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12412392348051073},{"word":"the","start":886.175,"end":886.33496,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.172847718000412},{"word":"ones","start":886.33496,"end":886.65497,"confidence":0.98535156,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.1885482519865036},{"word":"that","start":886.65497,"end":886.815,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18678471446037292},{"word":"we're","start":886.815,"end":887.055,"confidence":0.97265625,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.20904600620269775},{"word":"currently","start":887.055,"end":887.555,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.13550932705402374},{"word":"looking","start":888.01495,"end":888.33496,"confidence":0.9970703,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.11464427411556244},{"word":"after","start":888.33496,"end":888.65497,"confidence":0.9980469,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.09328662604093552},{"word":"at","start":888.65497,"end":888.735,"confidence":0.9707031,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09533550590276718},{"word":"the","start":888.735,"end":888.89496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12765231728553772},{"word":"moment","start":888.89496,"end":889.39496,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.12004153430461884},{"word":"is","start":889.77496,"end":890.27496,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12081091105937958},{"word":"people","start":890.735,"end":891.055,"confidence":0.9667969,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.08680831640958786},{"word":"have","start":891.055,"end":891.21497,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1290416270494461},{"word":"that","start":891.21497,"end":891.45496,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1368829756975174},{"word":"bank","start":891.45496,"end":891.77496,"confidence":0.99902344,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.09630142152309418},{"word":"account","start":891.77496,"end":892.095,"confidence":0.9375,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.08881425857543945},{"word":"that","start":892.095,"end":892.33496,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0973852127790451},{"word":"property","start":892.33496,"end":892.83496,"confidence":0.9667969,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.08793450891971588},{"word":"but","start":893.055,"end":893.21497,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07782647013664246},{"word":"then","start":893.21497,"end":893.45496,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08851084858179092},{"word":"they've","start":893.45496,"end":893.615,"confidence":0.99853516,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":0.10646577924489976},{"word":"got","start":893.615,"end":893.855,"confidence":0.80200195,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.12494325637817384},{"word":"like","start":893.855,"end":894.12,"confidence":0.99560547,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1234542280435562},{"word":"a","start":894.12,"end":894.2,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17135266959667206},{"word":"hub","start":894.2,"end":894.52,"confidence":0.8959961,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.155622661113739},{"word":"or","start":894.52,"end":894.76,"confidence":0.8984375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1568124145269394},{"word":"a","start":894.76,"end":894.92,"confidence":0.91845703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1774401217699051},{"word":"macquarie","start":894.92,"end":895.4,"confidence":0.96728516,"punctuated_word":"Macquarie","sentiment":"neutral","sentiment_score":0.14088177680969238},{"word":"or","start":895.4,"end":895.72,"confidence":0.97509766,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.12926404178142548},{"word":"some","start":895.72,"end":895.96,"confidence":0.99121094,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.12673068046569824},{"word":"sort","start":895.96,"end":896.12,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10484787821769714},{"word":"of","start":896.12,"end":896.27997,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14347338676452637},{"word":"investment","start":896.27997,"end":896.76,"confidence":0.99121094,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.08570187538862228},{"word":"account","start":896.76,"end":897.16,"confidence":0.99609375,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.11848396062850952},{"word":"linked","start":897.16,"end":897.4,"confidence":0.9375,"punctuated_word":"linked","sentiment":"neutral","sentiment_score":0.18253466486930847},{"word":"to","start":897.4,"end":897.9,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2029598355293274},{"word":"it","start":898.12,"end":898.2,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2022809386253357},{"word":"so","start":898.2,"end":898.36,"confidence":0.78515625,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2076445370912552},{"word":"that","start":898.36,"end":898.68,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2575584650039673},{"word":"we","start":898.68,"end":898.83997,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3156610429286957},{"word":"can","start":898.83997,"end":899.08,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.33267226815223694},{"word":"continue","start":899.08,"end":899.56,"confidence":1.0,"punctuated_word":"continue","sentiment":"positive","sentiment_score":0.4293346703052521},{"word":"to","start":899.56,"end":899.8,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30520007014274597},{"word":"invest","start":899.8,"end":900.2,"confidence":1.0,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.18086741864681244},{"word":"funds","start":900.2,"end":900.52,"confidence":0.98535156,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.23228615522384644},{"word":"and","start":900.52,"end":900.68,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31301790475845337},{"word":"give","start":900.68,"end":900.92,"confidence":0.9921875,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.3527267873287201},{"word":"them","start":900.92,"end":901.16,"confidence":0.98535156,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.3118589222431183},{"word":"advice","start":901.16,"end":901.64,"confidence":0.9838867,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.29712846875190735},{"word":"to","start":901.64,"end":901.8,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27300363779067993},{"word":"help","start":901.8,"end":901.96,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.28180477023124695},{"word":"with","start":901.96,"end":902.12,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.27074408531188965},{"word":"the","start":902.12,"end":902.27997,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22563134133815765},{"word":"retirement","start":902.27997,"end":902.77997,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.14301803708076477},{"word":"goals","start":902.92,"end":903.42,"confidence":0.9580078,"punctuated_word":"goals.","sentiment":"neutral","sentiment_score":0.1456708312034607},{"word":"yeah","start":914.615,"end":914.935,"confidence":0.88720703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06274165213108063},{"word":"that's","start":914.935,"end":915.175,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.14595763385295868},{"word":"right","start":915.175,"end":915.335,"confidence":0.9975586,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.16816648840904236},{"word":"a","start":915.335,"end":915.495,"confidence":0.9526367,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.11168542504310608},{"word":"little","start":915.495,"end":915.655,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.15963953733444214},{"word":"bit","start":915.655,"end":915.815,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.128280907869339},{"word":"of","start":915.815,"end":915.895,"confidence":0.984375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1521470546722412},{"word":"help","start":915.895,"end":916.135,"confidence":0.9873047,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.13691049814224243},{"word":"in","start":916.135,"end":916.295,"confidence":0.98095703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1835825741291046},{"word":"that","start":916.295,"end":916.455,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1957249939441681},{"word":"sense","start":916.455,"end":916.775,"confidence":0.9921875,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.15376350283622742},{"word":"what","start":916.775,"end":917.09503,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.2136583924293518},{"word":"comes","start":917.09503,"end":917.335,"confidence":0.92089844,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.1693231463432312},{"word":"down","start":917.335,"end":917.575,"confidence":0.99609375,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2145204097032547},{"word":"through","start":917.575,"end":917.735,"confidence":0.73046875,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.19719934463500977},{"word":"for","start":917.735,"end":917.975,"confidence":0.7553711,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21076743304729464},{"word":"you","start":917.975,"end":918.215,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17378100752830505},{"word":"personally","start":918.215,"end":918.715,"confidence":0.9589844,"punctuated_word":"personally","sentiment":"neutral","sentiment_score":0.1789602488279343},{"word":"that","start":918.855,"end":919.09503,"confidence":0.9560547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2005501389503479},{"word":"you","start":919.09503,"end":919.335,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16538360714912417},{"word":"have","start":919.335,"end":919.495,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.154755637049675},{"word":"to","start":919.495,"end":919.655,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12396465241909028},{"word":"do","start":919.655,"end":920.155,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14710484445095062},{"word":"is","start":920.43,"end":920.67,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16315948963165283},{"word":"every","start":920.67,"end":921.15,"confidence":0.9453125,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.13446471095085144},{"word":"year","start":921.15,"end":921.65,"confidence":0.8557129,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.09482946991920473},{"word":"you'll","start":921.87,"end":922.19,"confidence":0.9707031,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.09877263754606248},{"word":"do","start":922.19,"end":922.51,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08917316049337387},{"word":"an","start":922.51,"end":922.83,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08830022066831589},{"word":"audit","start":922.83,"end":923.33,"confidence":0.9482422,"punctuated_word":"audit","sentiment":"neutral","sentiment_score":0.09384670108556747},{"word":"of","start":923.63,"end":923.79,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.062447331845760345},{"word":"the","start":923.79,"end":923.95,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08717598766088486},{"word":"super","start":923.95,"end":924.27,"confidence":0.8100586,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08516742289066315},{"word":"funds","start":924.27,"end":924.67,"confidence":0.4658203,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.1063169687986374},{"word":"and","start":924.67,"end":924.91,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09577208757400511},{"word":"a","start":924.91,"end":925.07,"confidence":0.9506836,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12145529687404633},{"word":"tax","start":925.07,"end":925.39,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.12658093869686127},{"word":"return","start":925.39,"end":925.79,"confidence":0.9604492,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.0813719779253006},{"word":"for","start":925.79,"end":925.95,"confidence":0.9482422,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08678263425827026},{"word":"the","start":925.95,"end":926.11,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06884724646806717},{"word":"super","start":926.11,"end":926.35,"confidence":0.9980469,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08812009543180466},{"word":"funds","start":926.35,"end":926.67,"confidence":0.7480469,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.1220993846654892},{"word":"so","start":926.67,"end":926.83,"confidence":0.8432617,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16651225090026855},{"word":"you'll","start":926.83,"end":926.99,"confidence":0.9748535,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.14388293027877808},{"word":"go","start":926.99,"end":927.15,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1237090304493904},{"word":"to","start":927.15,"end":927.31,"confidence":0.8100586,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1063237488269806},{"word":"an","start":927.31,"end":927.47003,"confidence":0.9941406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.11210677772760393},{"word":"accountant","start":927.47003,"end":927.97003,"confidence":0.88549805,"punctuated_word":"accountant,","sentiment":"neutral","sentiment_score":0.091889426112175},{"word":"get","start":928.35,"end":928.59,"confidence":0.9902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.09440900385379793},{"word":"all","start":928.59,"end":928.75,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.12070559710264206},{"word":"the","start":928.75,"end":928.91,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1123593896627426},{"word":"reports","start":928.91,"end":929.39,"confidence":0.9980469,"punctuated_word":"reports","sentiment":"neutral","sentiment_score":0.07197359204292297},{"word":"printed","start":929.39,"end":929.79,"confidence":0.9980469,"punctuated_word":"printed","sentiment":"neutral","sentiment_score":0.07939353585243225},{"word":"out","start":929.79,"end":929.95,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11516563594341278},{"word":"from","start":929.95,"end":930.19,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.11283792555332184},{"word":"your","start":930.19,"end":930.35,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1182284727692604},{"word":"bank","start":930.35,"end":930.59,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.13596361875534058},{"word":"account","start":930.59,"end":930.91,"confidence":0.6503906,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.10657324641942978},{"word":"and","start":930.91,"end":931.15,"confidence":0.84228516,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11556500196456908},{"word":"rental","start":931.15,"end":931.55,"confidence":0.9892578,"punctuated_word":"rental","sentiment":"neutral","sentiment_score":0.10106202960014345},{"word":"agents","start":931.55,"end":931.95,"confidence":0.96240234,"punctuated_word":"agents","sentiment":"neutral","sentiment_score":0.10922568291425704},{"word":"and","start":931.95,"end":932.11,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1965612769126892},{"word":"everything","start":932.11,"end":932.61,"confidence":0.9338379,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":0.1436057090759277},{"word":"and","start":932.91504,"end":932.995,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20069774985313416},{"word":"you'll","start":932.995,"end":933.23505,"confidence":0.9914551,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.1482316553592682},{"word":"have","start":933.23505,"end":933.315,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1471647024154663},{"word":"to","start":933.315,"end":933.555,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11345387250185011},{"word":"actually","start":933.555,"end":933.875,"confidence":0.99316406,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.15241587162017822},{"word":"go","start":933.875,"end":934.11505,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.05893656611442566},{"word":"through","start":934.11505,"end":934.61505,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05214042216539383},{"word":"an","start":934.835,"end":935.075,"confidence":0.9770508,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08811692148447037},{"word":"audit","start":935.075,"end":935.47504,"confidence":0.84716797,"punctuated_word":"audit","sentiment":"neutral","sentiment_score":0.07407579571008682},{"word":"process","start":935.47504,"end":935.955,"confidence":0.99902344,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.0694471001625061},{"word":"and","start":935.955,"end":936.195,"confidence":0.96777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06571881473064423},{"word":"tax","start":936.195,"end":936.515,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.13769903779029846},{"word":"return","start":936.515,"end":936.835,"confidence":0.9980469,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.10447488725185394},{"word":"on","start":936.835,"end":936.995,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1501704454421997},{"word":"a","start":936.995,"end":937.075,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14764636754989624},{"word":"yearly","start":937.075,"end":937.47504,"confidence":0.99902344,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.1458916962146759},{"word":"basis","start":937.47504,"end":937.97504,"confidence":1.0,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.1465485543012619},{"word":"to","start":938.275,"end":938.515,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15964825451374054},{"word":"maintain","start":938.515,"end":938.91504,"confidence":1.0,"punctuated_word":"maintain","sentiment":"neutral","sentiment_score":0.16873744130134585},{"word":"that","start":938.91504,"end":939.155,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12367083877325058},{"word":"fund","start":939.155,"end":939.47504,"confidence":0.9902344,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.11629121005535126},{"word":"every","start":939.47504,"end":939.715,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.1899707168340683},{"word":"year","start":939.715,"end":940.03503,"confidence":0.99853516,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.019118838012218475},{"word":"i","start":940.03503,"end":940.195,"confidence":0.92578125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.020481884479522705},{"word":"think","start":940.195,"end":940.35504,"confidence":0.98291016,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.028977099806070328},{"word":"it's","start":940.35504,"end":940.515,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.02917054295539856},{"word":"about","start":940.515,"end":940.995,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.018111828714609143},{"word":"2,200","start":940.995,"end":941.715,"confidence":0.9498698,"punctuated_word":"2,200","sentiment":"neutral","sentiment_score":0.031186439096927643},{"word":"a","start":941.715,"end":941.875,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02019890397787094},{"word":"year","start":941.875,"end":942.11505,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.03045414388179779},{"word":"that","start":942.11505,"end":942.275,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008708961308002472},{"word":"they","start":942.275,"end":942.435,"confidence":0.9941406,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.004805207252502441},{"word":"charge","start":942.435,"end":942.755,"confidence":0.9838867,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":0.03009955957531929},{"word":"most","start":942.755,"end":942.995,"confidence":0.9770508,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.051180049777030945},{"word":"of","start":942.995,"end":943.155,"confidence":0.53515625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.026516027748584747},{"word":"the","start":943.155,"end":943.23505,"confidence":0.8720703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01787656918168068},{"word":"county","start":943.23505,"end":943.73505,"confidence":0.6207886,"punctuated_word":"county.","sentiment":"neutral","sentiment_score":0.005003895610570908},{"word":"yeah","start":948.61,"end":949.11,"confidence":0.82373047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03982465714216232},{"word":"yes","start":963.535,"end":964.035,"confidence":0.9995117,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.014590777456760406},{"word":"yeah","start":976.75,"end":977.07,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022502150386571884},{"word":"i","start":977.07,"end":977.14996,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.015257999300956726},{"word":"mean","start":977.14996,"end":977.39,"confidence":0.9951172,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.033961132168769836},{"word":"we've","start":977.39,"end":977.63,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.05862138792872429},{"word":"got","start":977.63,"end":978.13,"confidence":0.87841797,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.06174425035715103},{"word":"like","start":978.35,"end":978.47,"confidence":0.94189453,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06146276742219925},{"word":"i","start":978.47,"end":978.58997,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04083491861820221},{"word":"said","start":978.58997,"end":978.91,"confidence":0.9975586,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.056743670254945755},{"word":"five","start":978.91,"end":979.14996,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.0744524672627449},{"word":"different","start":979.14996,"end":979.47,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.04697301238775253},{"word":"brokers","start":979.47,"end":979.95,"confidence":0.8430176,"punctuated_word":"brokers,","sentiment":"neutral","sentiment_score":0.06601492315530777},{"word":"and","start":979.95,"end":980.26996,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07311394065618515},{"word":"i","start":980.26996,"end":980.43,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07908754795789719},{"word":"usually","start":980.43,"end":980.83,"confidence":1.0,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.09860165417194366},{"word":"do","start":980.83,"end":981.14996,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08518104255199432},{"word":"the","start":981.14996,"end":981.64996,"confidence":0.96875,"punctuated_word":"the,","sentiment":"neutral","sentiment_score":0.07332198321819305},{"word":"you","start":982.02997,"end":982.26996,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05567115545272827},{"word":"know","start":982.26996,"end":982.58997,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.06830024719238281},{"word":"general","start":982.58997,"end":982.91,"confidence":0.99902344,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.16092059016227722},{"word":"advice","start":982.91,"end":983.31,"confidence":0.9941406,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1299741119146347},{"word":"and","start":983.31,"end":983.47,"confidence":0.67822266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15968739986419678},{"word":"the","start":983.47,"end":983.63,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16472113132476807},{"word":"strategy","start":983.63,"end":984.13,"confidence":0.99902344,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.1649642288684845},{"word":"side","start":984.19,"end":984.43,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.2106255739927292},{"word":"of","start":984.43,"end":984.58997,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1974966526031494},{"word":"things","start":984.58997,"end":985.07,"confidence":0.66015625,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.1307465136051178},{"word":"and","start":985.07,"end":985.23,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05131790041923523},{"word":"then","start":985.23,"end":985.39,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0603289008140564},{"word":"it's","start":985.39,"end":985.55,"confidence":0.99560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06548451632261276},{"word":"just","start":985.55,"end":985.70996,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06732600927352905},{"word":"trying","start":985.70996,"end":985.95,"confidence":0.99121094,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.10061290115118028},{"word":"to","start":985.95,"end":986.02997,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09786639362573624},{"word":"link","start":986.02997,"end":986.26996,"confidence":1.0,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.1186062917113304},{"word":"you","start":986.26996,"end":986.43,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10347535461187364},{"word":"up","start":986.43,"end":986.58997,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.18630678951740265},{"word":"with","start":986.58997,"end":986.75,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1268850415945053},{"word":"the","start":986.75,"end":986.91,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11968915164470673},{"word":"right","start":986.91,"end":987.07,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.17424708604812622},{"word":"people","start":987.07,"end":987.525,"confidence":1.0,"punctuated_word":"people.","sentiment":"neutral","sentiment_score":0.09632472693920135},{"word":"i","start":988.005,"end":988.085,"confidence":0.97509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11164996027946472},{"word":"don't","start":988.085,"end":988.245,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.10152622312307358},{"word":"know","start":988.245,"end":988.48505,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06780079007148743},{"word":"if","start":988.48505,"end":988.645,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11382704973220824},{"word":"you","start":988.645,"end":988.72504,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09287910163402556},{"word":"guys","start":988.72504,"end":988.965,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.06604465842247009},{"word":"just","start":988.965,"end":989.125,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06096910685300827},{"word":"use","start":989.125,"end":989.36505,"confidence":0.9941406,"punctuated_word":"use","sentiment":"neutral","sentiment_score":-0.05105980485677719},{"word":"your","start":989.36505,"end":989.84503,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.08099767565727234},{"word":"bank","start":989.84503,"end":990.245,"confidence":0.99316406,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.07206421345472336},{"word":"or","start":990.245,"end":990.565,"confidence":0.5258789,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1072368025779724},{"word":"yeah","start":1017.795,"end":1018.295,"confidence":0.8840332,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02495577000081539},{"word":"have","start":1019.475,"end":1019.635,"confidence":0.9291992,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.017168600112199783},{"word":"you","start":1019.635,"end":1019.795,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005778200924396515},{"word":"guys","start":1019.795,"end":1020.035,"confidence":0.9980469,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.022687412798404697},{"word":"ever","start":1020.035,"end":1020.355,"confidence":0.9970703,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.014997463673353195},{"word":"had","start":1020.355,"end":1020.595,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.003292206674814224},{"word":"an","start":1020.595,"end":1020.83496,"confidence":0.99316406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.00947665050625801},{"word":"investment","start":1020.83496,"end":1021.315,"confidence":0.9970703,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.002010490745306015},{"word":"property","start":1021.315,"end":1021.71497,"confidence":0.9941406,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.0064100660383701324},{"word":"before","start":1021.71497,"end":1022.21497,"confidence":0.9995117,"punctuated_word":"before?","sentiment":"neutral","sentiment_score":-0.007432384416460991},{"word":"yep","start":1027.57,"end":1028.07,"confidence":0.7861328,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06156810745596886},{"word":"yeah","start":1039.2351,"end":1039.7351,"confidence":0.97631836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1368369609117508},{"word":"yeah","start":1057.4099,"end":1057.9099,"confidence":0.9758301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08447884023189545},{"word":"yep","start":1070.465,"end":1070.965,"confidence":0.77001953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.016869250684976578},{"word":"yeah","start":1076.7999,"end":1077.2999,"confidence":0.8959961,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07688324898481369},{"word":"get","start":1079.2,"end":1079.44,"confidence":0.72509766,"punctuated_word":"Get","sentiment":"neutral","sentiment_score":0.057894330471754074},{"word":"to","start":1079.44,"end":1079.6,"confidence":0.43237305,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05285969376564026},{"word":"put","start":1079.6,"end":1079.76,"confidence":0.4206543,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.049930449575185776},{"word":"in","start":1079.76,"end":1079.9199,"confidence":0.97314453,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03456788882613182},{"word":"the","start":1079.9199,"end":1080.08,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018238309770822525},{"word":"market","start":1080.08,"end":1080.4,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.04911048710346222},{"word":"and","start":1080.4,"end":1080.5599,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02163637802004814},{"word":"start","start":1080.5599,"end":1080.88,"confidence":0.98291016,"punctuated_word":"start,","sentiment":"neutral","sentiment_score":0.014596683904528618},{"word":"you","start":1080.88,"end":1081.04,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0029571764171123505},{"word":"know","start":1081.04,"end":1081.54,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03030635416507721},{"word":"building","start":1081.6799,"end":1082.08,"confidence":1.0,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.08279570937156677},{"word":"assets","start":1082.08,"end":1082.58,"confidence":0.98095703,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.07499493658542633},{"word":"personally","start":1082.72,"end":1083.2,"confidence":0.92700195,"punctuated_word":"personally,","sentiment":"neutral","sentiment_score":0.05089671164751053},{"word":"i","start":1083.2,"end":1083.28,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03968202695250511},{"word":"guess","start":1083.28,"end":1083.52,"confidence":0.9428711,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.05508365482091904},{"word":"is","start":1083.52,"end":1083.6799,"confidence":0.98535156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03676735982298851},{"word":"what","start":1083.6799,"end":1083.76,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03280879557132721},{"word":"you're","start":1083.76,"end":1083.9199,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.04241342097520828},{"word":"trying","start":1083.9199,"end":1084.24,"confidence":1.0,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.04607377201318741},{"word":"to","start":1084.24,"end":1084.32,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03136983513832092},{"word":"do","start":1084.32,"end":1084.5599,"confidence":0.99853516,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.042405642569065094},{"word":"right","start":1084.5599,"end":1085.0599,"confidence":0.99560547,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.02183053269982338},{"word":"yeah","start":1098.575,"end":1099.075,"confidence":0.98168945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04081389680504799},{"word":"so","start":1099.79,"end":1100.11,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01438385248184204},{"word":"you","start":1100.11,"end":1100.27,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0276307612657547},{"word":"don't","start":1100.27,"end":1100.51,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.026644542813301086},{"word":"have","start":1100.51,"end":1100.75,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.021277332678437233},{"word":"that","start":1100.75,"end":1100.99,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05043321475386619},{"word":"deposit","start":1100.99,"end":1101.47,"confidence":1.0,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":-0.04401594400405884},{"word":"built","start":1101.47,"end":1101.79,"confidence":0.99609375,"punctuated_word":"built","sentiment":"neutral","sentiment_score":-0.03942534327507019},{"word":"up","start":1101.79,"end":1101.95,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.05137544870376587},{"word":"at","start":1101.95,"end":1102.11,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04614824801683426},{"word":"the","start":1102.11,"end":1102.27,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.034982830286026},{"word":"moment","start":1102.27,"end":1102.6699,"confidence":0.9951172,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.03743787854909897},{"word":"or","start":1102.6699,"end":1103.15,"confidence":0.9428711,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.028447210788726807},{"word":"or","start":1103.15,"end":1103.3099,"confidence":0.91015625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.026029910892248154},{"word":"property","start":1103.3099,"end":1103.54,"confidence":0.49316406,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.020997069776058197},{"word":"to","start":1103.54,"end":1103.79,"confidence":0.8256836,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02593669667840004},{"word":"borrow","start":1103.79,"end":1104.19,"confidence":0.88964844,"punctuated_word":"borrow","sentiment":"neutral","sentiment_score":-0.026186490431427956},{"word":"off","start":1104.19,"end":1104.69,"confidence":0.8845215,"punctuated_word":"off?","sentiment":"neutral","sentiment_score":-0.03990085422992706},{"word":"yeah","start":1138.035,"end":1138.535,"confidence":0.8354492,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02800624445080757},{"word":"and","start":1140.755,"end":1140.995,"confidence":0.98535156,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0952092856168747},{"word":"the","start":1140.995,"end":1141.155,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09296394139528276},{"word":"cool","start":1141.155,"end":1141.395,"confidence":0.9941406,"punctuated_word":"cool","sentiment":"neutral","sentiment_score":0.170741468667984},{"word":"thing","start":1141.395,"end":1141.635,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.1581255942583084},{"word":"too","start":1141.635,"end":1141.875,"confidence":0.95947266,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.08861701190471649},{"word":"is","start":1141.875,"end":1142.375,"confidence":0.9873047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0896134227514267},{"word":"now","start":1143.315,"end":1143.635,"confidence":0.734375,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.10642867535352708},{"word":"that","start":1143.635,"end":1143.795,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09939106553792952},{"word":"you","start":1143.795,"end":1143.955,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10546403378248216},{"word":"kind","start":1143.955,"end":1144.195,"confidence":0.5917969,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0873374417424202},{"word":"of","start":1144.195,"end":1144.355,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09860949963331224},{"word":"settled","start":1144.355,"end":1144.855,"confidence":0.98706055,"punctuated_word":"settled,","sentiment":"neutral","sentiment_score":0.10629123449325562},{"word":"i","start":1145.795,"end":1146.035,"confidence":0.69140625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14836770296096802},{"word":"have","start":1146.035,"end":1146.275,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12074634432792664},{"word":"actually","start":1146.275,"end":1146.755,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.12938886880874634},{"word":"given","start":1146.755,"end":1147.255,"confidence":1.0,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.15200376510620117},{"word":"you","start":1147.395,"end":1147.5549,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14381757378578186},{"word":"guys","start":1147.5549,"end":1148.0549,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.15956035256385803},{"word":"a","start":1148.67,"end":1148.8301,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18740303814411163},{"word":"dedicated","start":1148.8301,"end":1149.3301,"confidence":0.8510742,"punctuated_word":"dedicated","sentiment":"neutral","sentiment_score":0.14284303784370422},{"word":"adviser","start":1149.63,"end":1150.13,"confidence":0.8786621,"punctuated_word":"adviser,","sentiment":"neutral","sentiment_score":0.17327377200126648},{"word":"dana","start":1150.43,"end":1150.93,"confidence":0.9753418,"punctuated_word":"Dana,","sentiment":"neutral","sentiment_score":0.1680372804403305},{"word":"who's","start":1151.0701,"end":1151.4701,"confidence":0.9716797,"punctuated_word":"who's","sentiment":"neutral","sentiment_score":0.14310981333255768},{"word":"gonna","start":1151.4701,"end":1151.7101,"confidence":0.81640625,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.14648331701755524},{"word":"be","start":1151.7101,"end":1151.79,"confidence":0.99316406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12604033946990967},{"word":"looking","start":1151.79,"end":1152.1101,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.132632315158844},{"word":"after","start":1152.1101,"end":1152.43,"confidence":0.9951172,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.1642715036869049},{"word":"you","start":1152.43,"end":1152.75,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1589052379131317},{"word":"as","start":1152.75,"end":1153.0701,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13643188774585724},{"word":"as","start":1153.0701,"end":1153.31,"confidence":0.9165039,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12435822933912276},{"word":"a","start":1153.31,"end":1153.4701,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16069848835468292},{"word":"couple","start":1153.4701,"end":1153.79,"confidence":0.8317871,"punctuated_word":"couple,","sentiment":"neutral","sentiment_score":0.15784582495689392},{"word":"and","start":1153.79,"end":1154.03,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10544326901435852},{"word":"we're","start":1154.03,"end":1154.3501,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1541103571653366},{"word":"able","start":1154.3501,"end":1154.5901,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.17378684878349304},{"word":"to","start":1154.5901,"end":1154.75,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17623847723007202},{"word":"kind","start":1154.75,"end":1154.91,"confidence":0.9760742,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11165989935398102},{"word":"of","start":1154.91,"end":1155.0701,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1432727575302124},{"word":"look","start":1155.0701,"end":1155.31,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1576261818408966},{"word":"at","start":1155.31,"end":1155.39,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13899612426757812},{"word":"you","start":1155.39,"end":1155.63,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15748201310634613},{"word":"as","start":1155.63,"end":1155.87,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12283387780189514},{"word":"a","start":1155.87,"end":1156.03,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13979876041412354},{"word":"family","start":1156.03,"end":1156.43,"confidence":0.99609375,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.18334583938121796},{"word":"unit","start":1156.43,"end":1156.93,"confidence":0.99902344,"punctuated_word":"unit","sentiment":"neutral","sentiment_score":0.14598841965198517},{"word":"to","start":1157.31,"end":1157.81,"confidence":0.96875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13219311833381653},{"word":"discuss","start":1157.87,"end":1158.27,"confidence":0.90722656,"punctuated_word":"discuss","sentiment":"neutral","sentiment_score":0.08980179578065872},{"word":"and","start":1158.27,"end":1158.43,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06554208695888519},{"word":"plan","start":1158.43,"end":1158.75,"confidence":0.99609375,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.11499443650245668},{"word":"these","start":1158.75,"end":1159.0701,"confidence":0.91503906,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.08922401815652847},{"word":"joint","start":1159.0701,"end":1159.39,"confidence":0.9970703,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":0.11391831934452055},{"word":"goals","start":1159.39,"end":1159.79,"confidence":0.9819336,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":-0.0013070851564407349},{"word":"rather","start":1159.79,"end":1160.1101,"confidence":0.8798828,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":0.04559249430894852},{"word":"than","start":1160.1101,"end":1160.5901,"confidence":0.99902344,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.05070173740386963},{"word":"talking","start":1160.5901,"end":1160.91,"confidence":0.99902344,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.01017984375357628},{"word":"to","start":1160.91,"end":1161.0701,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.008948169648647308},{"word":"different","start":1161.0701,"end":1161.39,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.02332693338394165},{"word":"advisers","start":1161.39,"end":1161.89,"confidence":0.91918945,"punctuated_word":"advisers,","sentiment":"neutral","sentiment_score":-0.027574017643928528},{"word":"getting","start":1161.9501,"end":1162.1901,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.030294198542833328},{"word":"different","start":1162.1901,"end":1162.5901,"confidence":0.99609375,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.01365763694047928},{"word":"opinions","start":1162.5901,"end":1163.0901,"confidence":0.8173828,"punctuated_word":"opinions","sentiment":"neutral","sentiment_score":-0.01400591805577278},{"word":"sort","start":1163.15,"end":1163.39,"confidence":0.8828125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.001999732106924057},{"word":"of","start":1163.39,"end":1163.55,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014208760112524033},{"word":"thing","start":1163.55,"end":1163.985,"confidence":0.9926758,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.036117322742938995},{"word":"so","start":1165.985,"end":1166.385,"confidence":0.9951172,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4047231078147888},{"word":"that's","start":1166.385,"end":1166.625,"confidence":0.9614258,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5001727342605591},{"word":"gonna","start":1166.625,"end":1166.865,"confidence":0.93408203,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.5373959541320801},{"word":"be","start":1166.865,"end":1167.025,"confidence":0.9970703,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5389862060546875},{"word":"really","start":1167.025,"end":1167.1849,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5193967223167419},{"word":"helpful","start":1167.1849,"end":1167.4249,"confidence":1.0,"punctuated_word":"helpful","sentiment":"positive","sentiment_score":0.5276479721069336},{"word":"because","start":1167.4249,"end":1167.585,"confidence":0.85595703,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.5659512877464294},{"word":"dana's","start":1167.585,"end":1167.985,"confidence":0.82373047,"punctuated_word":"Dana's","sentiment":"positive","sentiment_score":0.7305630445480347},{"word":"fantastic","start":1167.985,"end":1168.485,"confidence":0.99658203,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.7091798782348633},{"word":"she","start":1168.545,"end":1168.705,"confidence":1.0,"punctuated_word":"She","sentiment":"positive","sentiment_score":0.5323272943496704},{"word":"will","start":1168.705,"end":1168.865,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.4856944084167481},{"word":"go","start":1168.865,"end":1169.025,"confidence":0.99902344,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.45200344920158386},{"word":"to","start":1169.025,"end":1169.1849,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4958429336547851},{"word":"the","start":1169.1849,"end":1169.265,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4704851508140564},{"word":"end","start":1169.265,"end":1169.505,"confidence":0.7871094,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.4279915392398834},{"word":"of","start":1169.505,"end":1169.665,"confidence":0.9941406,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4153745770454407},{"word":"the","start":1169.665,"end":1169.825,"confidence":0.98828125,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3495870530605316},{"word":"year","start":1169.825,"end":1169.985,"confidence":0.45239258,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.3358255624771118},{"word":"for","start":1169.985,"end":1170.145,"confidence":0.9243164,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.30755358934402466},{"word":"her","start":1170.145,"end":1170.3049,"confidence":0.9980469,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.3080076575279236},{"word":"clients","start":1170.3049,"end":1170.8049,"confidence":0.6875,"punctuated_word":"clients","sentiment":"positive","sentiment_score":0.34966450929641724},{"word":"all","start":1171.985,"end":1172.225,"confidence":0.7963867,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2118000090122223},{"word":"night","start":1172.225,"end":1172.545,"confidence":0.8352051,"punctuated_word":"night,","sentiment":"neutral","sentiment_score":0.31350409984588623},{"word":"every","start":1172.545,"end":1172.785,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.331542432308197},{"word":"night","start":1172.785,"end":1173.025,"confidence":0.77905273,"punctuated_word":"night,","sentiment":"neutral","sentiment_score":0.30472180247306824},{"word":"and","start":1173.025,"end":1173.1849,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.37658026814460754},{"word":"figure","start":1173.1849,"end":1173.505,"confidence":0.99902344,"punctuated_word":"figure","sentiment":"positive","sentiment_score":0.48357799649238586},{"word":"out","start":1173.505,"end":1173.745,"confidence":0.9980469,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.49801239371299744},{"word":"everything","start":1173.745,"end":1174.145,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.43623241782188416},{"word":"that's","start":1174.145,"end":1174.385,"confidence":0.99658203,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.38954728841781616},{"word":"possible","start":1174.385,"end":1174.865,"confidence":0.99194336,"punctuated_word":"possible.","sentiment":"positive","sentiment_score":0.4169867932796478},{"word":"she's","start":1174.865,"end":1175.1849,"confidence":0.99365234,"punctuated_word":"She's","sentiment":"positive","sentiment_score":0.8009744882583618},{"word":"brilliant","start":1175.1849,"end":1175.6849,"confidence":0.99853516,"punctuated_word":"brilliant.","sentiment":"positive","sentiment_score":0.7648072242736816},{"word":"now","start":1175.985,"end":1176.225,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07287232577800751},{"word":"when","start":1176.225,"end":1176.465,"confidence":0.95703125,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03693772852420807},{"word":"i","start":1176.465,"end":1176.545,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.032909542322158813},{"word":"look","start":1176.545,"end":1176.785,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03399030119180679},{"word":"at","start":1176.785,"end":1176.945,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.018455062061548233},{"word":"you","start":1176.945,"end":1177.105,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015280191786587238},{"word":"guys","start":1177.105,"end":1177.345,"confidence":0.9980469,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.04763497784733772},{"word":"as","start":1177.345,"end":1177.505,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.01983417198061943},{"word":"a","start":1177.505,"end":1177.665,"confidence":0.90625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0395701602101326},{"word":"as","start":1177.665,"end":1177.825,"confidence":0.90283203,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.022477421909570697},{"word":"a","start":1177.825,"end":1177.985,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.046258594840765},{"word":"couple","start":1177.985,"end":1178.485,"confidence":0.99609375,"punctuated_word":"couple,","sentiment":"neutral","sentiment_score":0.051698729395866394},{"word":"would","start":1179.79,"end":1180.03,"confidence":0.95703125,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.016503870487213135},{"word":"you","start":1180.03,"end":1180.1901,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02951260656118393},{"word":"would","start":1180.1901,"end":1180.43,"confidence":0.80615234,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.03459597006440163},{"word":"you","start":1180.43,"end":1180.51,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03095204569399357},{"word":"say","start":1180.51,"end":1180.75,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.028378402814269062},{"word":"that","start":1180.75,"end":1180.91,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.018860215321183205},{"word":"you're","start":1180.91,"end":1181.0701,"confidence":0.9621582,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.02066519483923912},{"word":"kind","start":1181.0701,"end":1181.31,"confidence":0.9428711,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.034770719707012177},{"word":"of","start":1181.31,"end":1181.39,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.032326553016901016},{"word":"first","start":1181.39,"end":1181.63,"confidence":0.9892578,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.02580839954316616},{"word":"home","start":1181.63,"end":1181.87,"confidence":0.8251953,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.023799438029527664},{"word":"buyers","start":1181.87,"end":1182.1901,"confidence":0.69140625,"punctuated_word":"buyers","sentiment":"neutral","sentiment_score":0.0257498137652874},{"word":"if","start":1182.1901,"end":1182.3501,"confidence":0.70703125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02281922847032547},{"word":"you","start":1182.3501,"end":1182.43,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018804103136062626},{"word":"guys","start":1182.43,"end":1182.67,"confidence":0.9970703,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.021388985216617584},{"word":"owned","start":1182.67,"end":1183.15,"confidence":0.86572266,"punctuated_word":"owned","sentiment":"neutral","sentiment_score":0.021486110985279083},{"word":"a","start":1183.15,"end":1183.31,"confidence":0.890625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.022433770820498463},{"word":"property","start":1183.31,"end":1183.7101,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.01073935069143772},{"word":"before","start":1183.7101,"end":1184.2101,"confidence":0.9880371,"punctuated_word":"before?","sentiment":"neutral","sentiment_score":0.021172719076275826},{"word":"yep","start":1187.31,"end":1187.81,"confidence":0.7619629,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1835257858037949},{"word":"so","start":1189.9501,"end":1190.27,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.31837597489356995},{"word":"the","start":1190.27,"end":1190.43,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.40158265829086304},{"word":"good","start":1190.43,"end":1190.67,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5385419130325317},{"word":"thing","start":1190.67,"end":1190.8301,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.5764086246490479},{"word":"at","start":1190.8301,"end":1190.99,"confidence":0.8520508,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.45967528223991394},{"word":"least","start":1190.99,"end":1191.2301,"confidence":0.9921875,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.23083269596099856},{"word":"is","start":1191.2301,"end":1191.4701,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14654076099395752},{"word":"that","start":1191.4701,"end":1191.9701,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09337040781974792},{"word":"it's","start":1192.435,"end":1192.755,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.016401683911681175},{"word":"not","start":1192.755,"end":1192.995,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.21321576833724976},{"word":"the","start":1192.995,"end":1193.3151,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1754416823387146},{"word":"best","start":1193.3151,"end":1193.715,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.1049819439649582},{"word":"legislation","start":1193.715,"end":1194.215,"confidence":1.0,"punctuated_word":"legislation","sentiment":"neutral","sentiment_score":-0.041931793093681335},{"word":"in","start":1194.275,"end":1194.435,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13696396350860596},{"word":"the","start":1194.435,"end":1194.515,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00497061014175415},{"word":"world","start":1194.515,"end":1194.915,"confidence":0.94799805,"punctuated_word":"world,","sentiment":"neutral","sentiment_score":-0.10873065888881683},{"word":"but","start":1194.915,"end":1195.155,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.011568531394004822},{"word":"there","start":1195.155,"end":1195.3151,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09698601067066193},{"word":"are","start":1195.3151,"end":1195.475,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.15517687797546387},{"word":"those","start":1195.475,"end":1195.975,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.19026105105876925},{"word":"those","start":1196.1951,"end":1196.595,"confidence":0.9716797,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.18312448263168335},{"word":"rules","start":1196.595,"end":1196.915,"confidence":0.99902344,"punctuated_word":"rules","sentiment":"neutral","sentiment_score":0.05152449011802673},{"word":"now","start":1196.915,"end":1197.155,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.1333978772163391},{"word":"that","start":1197.155,"end":1197.3151,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16466592252254486},{"word":"people","start":1197.3151,"end":1197.635,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.0759536623954773},{"word":"can","start":1197.635,"end":1197.795,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14157314598560333},{"word":"do","start":1197.795,"end":1198.035,"confidence":0.87158203,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.1442563384771347},{"word":"like","start":1198.035,"end":1198.275,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.13860996067523956},{"word":"you","start":1198.275,"end":1198.355,"confidence":0.9658203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11726418137550354},{"word":"said","start":1198.355,"end":1198.595,"confidence":0.9885254,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.14656567573547363},{"word":"the","start":1198.595,"end":1198.755,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16504967212677002},{"word":"5%","start":1198.755,"end":1199.475,"confidence":0.9995117,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.14080175757408142},{"word":"deposit","start":1199.475,"end":1199.975,"confidence":0.72631836,"punctuated_word":"deposit,","sentiment":"neutral","sentiment_score":0.07205373048782349},{"word":"and","start":1200.1951,"end":1200.595,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12273982912302016},{"word":"you","start":1200.595,"end":1200.755,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.163111612200737},{"word":"get","start":1200.755,"end":1200.995,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11046980321407318},{"word":"to","start":1200.995,"end":1201.155,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08078815042972565},{"word":"skip","start":1201.155,"end":1201.555,"confidence":0.99609375,"punctuated_word":"skip","sentiment":"neutral","sentiment_score":0.04673467576503754},{"word":"the","start":1201.555,"end":1202.035,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07392679154872894},{"word":"the","start":1202.035,"end":1202.275,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09068529307842256},{"word":"lmi","start":1202.275,"end":1202.775,"confidence":0.9890137,"punctuated_word":"LMI","sentiment":"neutral","sentiment_score":0.01705300435423851},{"word":"for","start":1203.235,"end":1203.475,"confidence":0.94921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10393784195184708},{"word":"not","start":1203.475,"end":1203.635,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.04562963545322418},{"word":"having","start":1203.635,"end":1203.875,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.02729407697916031},{"word":"a","start":1203.875,"end":1204.035,"confidence":0.9472656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12693439424037933},{"word":"20%","start":1204.035,"end":1204.755,"confidence":1.0,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.1751914024353027},{"word":"deposit","start":1204.755,"end":1205.0751,"confidence":1.0,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":0.004863351583480835},{"word":"for","start":1205.0751,"end":1205.235,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10508095473051073},{"word":"your","start":1205.235,"end":1205.475,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16312380135059357},{"word":"first","start":1205.475,"end":1205.715,"confidence":0.9980469,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.06418433040380478},{"word":"time","start":1205.715,"end":1205.9551,"confidence":0.9807129,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.11641093343496324},{"word":"so","start":1205.9551,"end":1206.115,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1363765299320221},{"word":"there's","start":1206.115,"end":1206.355,"confidence":0.9951172,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.25957438349723816},{"word":"definitely","start":1206.355,"end":1206.755,"confidence":1.0,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.2791341245174408},{"word":"things","start":1206.755,"end":1206.995,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.27900540828704834},{"word":"that","start":1206.995,"end":1207.155,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29035478830337524},{"word":"the","start":1207.155,"end":1207.3151,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.309202641248703},{"word":"government's","start":1207.3151,"end":1207.8,"confidence":0.79663086,"punctuated_word":"government's","sentiment":"neutral","sentiment_score":0.2622680068016052},{"word":"trying","start":1207.9601,"end":1208.28,"confidence":0.9980469,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.2259542346000671},{"word":"to","start":1208.28,"end":1208.78,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22062775492668152},{"word":"do","start":1209.0801,"end":1209.24,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14353379607200625},{"word":"to","start":1209.24,"end":1209.4,"confidence":0.9614258,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2089485228061676},{"word":"give","start":1209.4,"end":1209.64,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.22721044719219208},{"word":"you","start":1209.64,"end":1209.7201,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4145091772079468},{"word":"guys","start":1209.7201,"end":1210.04,"confidence":0.9970703,"punctuated_word":"guys","sentiment":"positive","sentiment_score":0.38006120920181274},{"word":"access","start":1210.04,"end":1210.4401,"confidence":0.9970703,"punctuated_word":"access","sentiment":"positive","sentiment_score":0.3865792155265808},{"word":"to","start":1210.4401,"end":1210.6001,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5201786160469055},{"word":"it","start":1210.6001,"end":1211.0801,"confidence":0.828125,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.4217444658279419},{"word":"and","start":1211.0801,"end":1211.3201,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.445789098739624},{"word":"you've","start":1211.3201,"end":1211.4801,"confidence":0.9707031,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.490837037563324},{"word":"got","start":1211.4801,"end":1211.7201,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.5528964400291443},{"word":"good","start":1211.7201,"end":1211.88,"confidence":0.99902344,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.489266961812973},{"word":"income","start":1211.88,"end":1212.38,"confidence":0.7548828,"punctuated_word":"income.","sentiment":"positive","sentiment_score":0.4759484827518463},{"word":"so","start":1212.8401,"end":1213.3401,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.31403598189353943},{"word":"at","start":1213.7201,"end":1213.9601,"confidence":0.9506836,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3751055300235748},{"word":"some","start":1213.9601,"end":1214.28,"confidence":0.99902344,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3608323037624359},{"word":"point","start":1214.28,"end":1214.78,"confidence":0.9499512,"punctuated_word":"point,","sentiment":"positive","sentiment_score":0.34469711780548096},{"word":"you'll","start":1214.92,"end":1215.3201,"confidence":0.91918945,"punctuated_word":"you'll","sentiment":"positive","sentiment_score":0.3604045808315277},{"word":"be","start":1215.3201,"end":1215.4801,"confidence":0.9980469,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3611352741718292},{"word":"able","start":1215.4801,"end":1215.7201,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.3700485229492187},{"word":"to","start":1215.7201,"end":1215.8,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.41898757219314575},{"word":"get","start":1215.8,"end":1215.9601,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3575679063796997},{"word":"into","start":1215.9601,"end":1216.28,"confidence":0.9902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.332966685295105},{"word":"it","start":1216.28,"end":1216.68,"confidence":0.98950195,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2776624858379364},{"word":"it's","start":1216.68,"end":1217.0,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1695522665977478},{"word":"about","start":1217.0,"end":1217.3201,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10891957581043243},{"word":"how","start":1217.3201,"end":1217.56,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.07980992645025253},{"word":"and","start":1217.56,"end":1217.8,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.055558010935783386},{"word":"when","start":1217.8,"end":1218.3,"confidence":0.9970703,"punctuated_word":"when.","sentiment":"neutral","sentiment_score":0.08182282745838165},{"word":"now","start":1219.9601,"end":1220.4601,"confidence":0.99316406,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.12388115376234056},{"word":"one","start":1220.92,"end":1221.015,"confidence":0.75390625,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1014229580760002},{"word":"of","start":1221.175,"end":1221.335,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10660160332918169},{"word":"the","start":1221.335,"end":1221.415,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12760810554027557},{"word":"things","start":1221.415,"end":1221.4551,"confidence":0.9941406,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.17872019112110138},{"word":"that","start":1221.4551,"end":1221.495,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13296693563461304},{"word":"you","start":1221.495,"end":1221.735,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1569855809211731},{"word":"can","start":1221.735,"end":1221.895,"confidence":0.99609375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16959181427955627},{"word":"do","start":1221.895,"end":1222.215,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15731339156627655},{"word":"is","start":1222.215,"end":1222.455,"confidence":0.98291016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13218854367733002},{"word":"exactly","start":1222.455,"end":1222.775,"confidence":0.9863281,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.1158360093832016},{"word":"what","start":1222.775,"end":1222.855,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12547454237937927},{"word":"you","start":1222.855,"end":1223.095,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.099700428545475},{"word":"said","start":1223.095,"end":1223.255,"confidence":0.9760742,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.101078599691391},{"word":"is","start":1223.255,"end":1223.495,"confidence":0.6640625,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.07074236869812012},{"word":"do","start":1223.495,"end":1223.655,"confidence":0.98291016,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04492131620645523},{"word":"you","start":1223.655,"end":1223.735,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06386131048202515},{"word":"go","start":1223.735,"end":1223.975,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0929102748632431},{"word":"for","start":1223.975,"end":1224.135,"confidence":0.8720703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11554645746946336},{"word":"that","start":1224.135,"end":1224.295,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10316835343837738},{"word":"first","start":1224.295,"end":1224.535,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.06794217973947525},{"word":"home","start":1224.535,"end":1224.855,"confidence":0.6328125,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.0835324376821518},{"word":"that","start":1224.855,"end":1225.015,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07239288091659546},{"word":"you","start":1225.015,"end":1225.175,"confidence":0.9741211,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09737057238817216},{"word":"own","start":1225.175,"end":1225.495,"confidence":0.9633789,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.15616793930530548},{"word":"and","start":1225.495,"end":1225.655,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09606245160102844},{"word":"and","start":1225.655,"end":1225.8151,"confidence":0.9375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07650208473205566},{"word":"live","start":1225.8151,"end":1226.055,"confidence":0.9140625,"punctuated_word":"live","sentiment":"neutral","sentiment_score":0.1403370350599289},{"word":"in","start":1226.055,"end":1226.215,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12572020292282104},{"word":"yourself","start":1226.215,"end":1226.6951,"confidence":0.9892578,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.1229155957698822},{"word":"and","start":1226.6951,"end":1226.855,"confidence":0.6503906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07769538462162018},{"word":"then","start":1226.855,"end":1227.095,"confidence":0.9921875,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06614689528942108},{"word":"an","start":1227.095,"end":1227.255,"confidence":0.93408203,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10153372585773468},{"word":"investment","start":1227.255,"end":1227.735,"confidence":0.99609375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.0998704731464386},{"word":"after","start":1227.735,"end":1227.975,"confidence":0.99121094,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.04499925300478935},{"word":"that","start":1227.975,"end":1228.375,"confidence":0.7468262,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.055351622402668},{"word":"or","start":1228.375,"end":1228.535,"confidence":0.9580078,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.04837857931852341},{"word":"do","start":1228.535,"end":1228.615,"confidence":0.9506836,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03350993990898132},{"word":"you","start":1228.615,"end":1228.775,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06994450092315674},{"word":"get","start":1228.775,"end":1228.935,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07329566776752472},{"word":"the","start":1228.935,"end":1229.095,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08261680603027344},{"word":"investment","start":1229.095,"end":1229.595,"confidence":0.7114258,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.09163106977939606},{"word":"first","start":1229.655,"end":1229.895,"confidence":0.99609375,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.041944973170757294},{"word":"and","start":1229.895,"end":1230.135,"confidence":0.9350586,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06651447713375092},{"word":"then","start":1230.135,"end":1230.375,"confidence":0.984375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06697680801153183},{"word":"use","start":1230.375,"end":1230.615,"confidence":0.97998047,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.11431984603405},{"word":"that","start":1230.615,"end":1230.855,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16318969428539276},{"word":"as","start":1230.855,"end":1231.015,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13529372215270996},{"word":"a","start":1231.015,"end":1231.175,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1409052461385727},{"word":"stepping","start":1231.175,"end":1231.5751,"confidence":0.9970703,"punctuated_word":"stepping","sentiment":"neutral","sentiment_score":0.1307334303855896},{"word":"stone","start":1231.5751,"end":1231.895,"confidence":0.9741211,"punctuated_word":"stone","sentiment":"neutral","sentiment_score":0.1463056355714798},{"word":"to","start":1231.895,"end":1231.975,"confidence":0.8461914,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1339040249586105},{"word":"your","start":1231.975,"end":1232.135,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09301983565092088},{"word":"own","start":1232.135,"end":1232.375,"confidence":0.9892578,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.1103716790676117},{"word":"home","start":1232.375,"end":1232.875,"confidence":0.9355469,"punctuated_word":"home?","sentiment":"neutral","sentiment_score":0.07797811925411224},{"word":"now","start":1235.11,"end":1235.5901,"confidence":0.99609375,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.031736113131046295},{"word":"that","start":1235.5901,"end":1235.75,"confidence":0.92578125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.031055111438035965},{"word":"property","start":1235.75,"end":1236.0701,"confidence":0.9614258,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.041669927537441254},{"word":"that","start":1236.0701,"end":1236.23,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03006134368479252},{"word":"you're","start":1236.23,"end":1236.39,"confidence":0.725708,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.03391432762145996},{"word":"looking","start":1236.39,"end":1236.63,"confidence":0.9951172,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.03289852291345596},{"word":"at","start":1236.63,"end":1236.87,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03840687870979309},{"word":"already","start":1236.87,"end":1237.11,"confidence":0.97265625,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.06343431770801544},{"word":"for","start":1237.11,"end":1237.35,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.045857228338718414},{"word":"800,000","start":1237.35,"end":1238.25,"confidence":0.9659017,"punctuated_word":"800,000,","sentiment":"neutral","sentiment_score":0.051454462110996246},{"word":"that","start":1239.03,"end":1239.27,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.039841875433921814},{"word":"i'm","start":1239.27,"end":1239.51,"confidence":0.91381836,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.023504888638854027},{"word":"assuming","start":1239.51,"end":1240.01,"confidence":1.0,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.01581462286412716},{"word":"is","start":1240.31,"end":1240.47,"confidence":0.6064453,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.010897921398282053},{"word":"it","start":1240.47,"end":1240.55,"confidence":0.94140625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02049197256565094},{"word":"been","start":1240.55,"end":1240.79,"confidence":0.98291016,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.013205727562308311},{"word":"recently","start":1240.79,"end":1241.29,"confidence":0.99902344,"punctuated_word":"recently","sentiment":"neutral","sentiment_score":0.01506141945719719},{"word":"built","start":1241.35,"end":1241.67,"confidence":0.90527344,"punctuated_word":"built?","sentiment":"neutral","sentiment_score":0.027668550610542297},{"word":"it's","start":1241.67,"end":1242.17,"confidence":0.94970703,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0201982744038105},{"word":"pretty","start":1242.23,"end":1242.47,"confidence":0.9921875,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.014897644519805908},{"word":"how","start":1242.7101,"end":1242.9501,"confidence":0.9951172,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.013478279113769531},{"word":"long","start":1242.9501,"end":1243.11,"confidence":0.55371094,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.0230373777449131},{"word":"would","start":1243.11,"end":1243.27,"confidence":0.8984375,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.007593844085931778},{"word":"that","start":1243.27,"end":1243.43,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029048249125480652},{"word":"property","start":1243.43,"end":1243.91,"confidence":0.9980469,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.02957349643111229},{"word":"be","start":1243.91,"end":1244.0701,"confidence":0.7368164,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.009974006563425064},{"word":"the","start":1244.0701,"end":1244.47,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01646120846271515},{"word":"the","start":1244.47,"end":1244.63,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013888832181692123},{"word":"apartment","start":1244.63,"end":1245.13,"confidence":0.9951172,"punctuated_word":"apartment?","sentiment":"neutral","sentiment_score":0.03460318595170975},{"word":"yep","start":1252.845,"end":1253.345,"confidence":0.9592285,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.104436457157135},{"word":"okay","start":1266.5599,"end":1267.0599,"confidence":0.8652344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.007459403946995735},{"word":"so","start":1267.2,"end":1267.7,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07172183692455292},{"word":"i'm","start":1268.4,"end":1268.64,"confidence":0.9543457,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1368260532617569},{"word":"definitely","start":1268.64,"end":1269.04,"confidence":0.99609375,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.15869849920272827},{"word":"gonna","start":1269.04,"end":1269.36,"confidence":0.9580078,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.1599174737930298},{"word":"say","start":1269.36,"end":1269.84,"confidence":0.9980469,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.14434634149074554},{"word":"a","start":1269.84,"end":1270.0,"confidence":0.85839844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1496720910072327},{"word":"no","start":1270.0,"end":1270.16,"confidence":0.99609375,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.20010772347450256},{"word":"on","start":1270.16,"end":1270.32,"confidence":0.9326172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.22330358624458313},{"word":"the","start":1270.32,"end":1270.5599,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19072246551513672},{"word":"self","start":1270.5599,"end":1270.7999,"confidence":0.97314453,"punctuated_word":"self","sentiment":"neutral","sentiment_score":-0.1786169558763504},{"word":"managed","start":1270.7999,"end":1271.2,"confidence":0.95166016,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":-0.13678213953971863},{"word":"super","start":1271.2,"end":1271.6,"confidence":0.90625,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.08039290457963943},{"word":"route","start":1271.6,"end":1271.84,"confidence":0.9707031,"punctuated_word":"route","sentiment":"neutral","sentiment_score":-0.14080828428268433},{"word":"because","start":1271.84,"end":1272.24,"confidence":0.60791016,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.13760101795196533},{"word":"if","start":1272.24,"end":1272.48,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1940712034702301},{"word":"it's","start":1272.48,"end":1272.72,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2377905249595642},{"word":"not","start":1272.72,"end":1273.22,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.24774497747421265},{"word":"finished","start":1273.545,"end":1274.045,"confidence":0.9980469,"punctuated_word":"finished","sentiment":"negative","sentiment_score":-0.35784661769866943},{"word":"yet","start":1274.1051,"end":1274.6051,"confidence":0.9914551,"punctuated_word":"yet,","sentiment":"neutral","sentiment_score":-0.27759766578674316},{"word":"you","start":1274.665,"end":1274.905,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3617672026157379},{"word":"may","start":1274.905,"end":1275.145,"confidence":0.9970703,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.3115701377391815},{"word":"run","start":1275.145,"end":1275.385,"confidence":0.9980469,"punctuated_word":"run","sentiment":"negative","sentiment_score":-0.35213881731033325},{"word":"into","start":1275.385,"end":1275.625,"confidence":0.8803711,"punctuated_word":"into","sentiment":"negative","sentiment_score":-0.4042053520679474},{"word":"even","start":1275.625,"end":1275.9451,"confidence":1.0,"punctuated_word":"even","sentiment":"negative","sentiment_score":-0.34137120842933655},{"word":"more","start":1275.9451,"end":1276.185,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.3053579032421112},{"word":"trouble","start":1276.185,"end":1276.425,"confidence":0.99902344,"punctuated_word":"trouble","sentiment":"neutral","sentiment_score":-0.30285146832466125},{"word":"where","start":1276.425,"end":1276.665,"confidence":0.8803711,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.2829849421977997},{"word":"the","start":1276.665,"end":1276.745,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2620169222354889},{"word":"lender","start":1276.745,"end":1277.145,"confidence":0.9873047,"punctuated_word":"lender","sentiment":"neutral","sentiment_score":-0.27871081233024597},{"word":"just","start":1277.145,"end":1277.305,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.24790319800376892},{"word":"says","start":1277.305,"end":1277.805,"confidence":0.85546875,"punctuated_word":"says,","sentiment":"neutral","sentiment_score":-0.2148086428642273},{"word":"no","start":1278.425,"end":1278.925,"confidence":0.9445801,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.19665580987930295},{"word":"we're","start":1279.0651,"end":1279.305,"confidence":0.9995117,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.16149720549583435},{"word":"not","start":1279.305,"end":1279.385,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.15435075759887695},{"word":"gonna","start":1279.385,"end":1279.7051,"confidence":0.95410156,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.1850731670856476},{"word":"we're","start":1279.7051,"end":1279.9451,"confidence":0.9941406,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.17529591917991638},{"word":"not","start":1279.9451,"end":1280.1051,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1770400106906891},{"word":"gonna","start":1280.1051,"end":1280.3451,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.1692926436662674},{"word":"approve","start":1280.3451,"end":1280.665,"confidence":0.99316406,"punctuated_word":"approve","sentiment":"neutral","sentiment_score":-0.18932361900806427},{"word":"this","start":1280.665,"end":1280.905,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.010982420295476912},{"word":"application","start":1280.905,"end":1281.405,"confidence":0.8395996,"punctuated_word":"application.","sentiment":"neutral","sentiment_score":-0.0016250237822532654},{"word":"but","start":1282.665,"end":1283.165,"confidence":0.99609375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07466121762990952},{"word":"there's","start":1284.185,"end":1284.505,"confidence":0.9926758,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.14985884726047516},{"word":"a","start":1284.505,"end":1284.5851,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19965919852256775},{"word":"couple","start":1284.5851,"end":1284.905,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.19098705053329468},{"word":"of","start":1284.905,"end":1284.9851,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2491899281740189},{"word":"cool","start":1284.9851,"end":1285.2251,"confidence":0.99609375,"punctuated_word":"cool","sentiment":"positive","sentiment_score":0.36820340156555176},{"word":"things","start":1285.2251,"end":1285.545,"confidence":0.98657227,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.32211077213287354},{"word":"so","start":1285.545,"end":1285.8651,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.259125292301178},{"word":"because","start":1285.8651,"end":1286.185,"confidence":0.91845703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.21852871775627136},{"word":"it's","start":1286.185,"end":1286.505,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.33848267793655396},{"word":"new","start":1286.505,"end":1286.88,"confidence":0.99853516,"punctuated_word":"new,","sentiment":"neutral","sentiment_score":0.2766028046607971},{"word":"you","start":1286.88,"end":1287.04,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.217664897441864},{"word":"get","start":1287.04,"end":1287.28,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.27773159742355347},{"word":"to","start":1287.28,"end":1287.36,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20260463654994965},{"word":"avoid","start":1287.36,"end":1287.76,"confidence":1.0,"punctuated_word":"avoid","sentiment":"neutral","sentiment_score":0.15941491723060608},{"word":"all","start":1287.76,"end":1287.92,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.23497942090034485},{"word":"those","start":1287.92,"end":1288.16,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.27982041239738464},{"word":"issues","start":1288.16,"end":1288.48,"confidence":1.0,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":0.06151074171066284},{"word":"of","start":1288.48,"end":1288.72,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19433917105197904},{"word":"not","start":1288.72,"end":1288.96,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.08131556957960129},{"word":"having","start":1288.96,"end":1289.4401,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.12170721590518951},{"word":"to","start":1289.4401,"end":1289.6,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04690077900886536},{"word":"not","start":1289.68,"end":1289.84,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.06110162287950516},{"word":"being","start":1289.84,"end":1290.08,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.07733061164617538},{"word":"able","start":1290.08,"end":1290.32,"confidence":0.99902344,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.05605962872505188},{"word":"to","start":1290.32,"end":1290.4,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.022664114832878113},{"word":"do","start":1290.4,"end":1290.64,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1064230129122734},{"word":"negative","start":1290.64,"end":1291.04,"confidence":0.99609375,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.1100303828716278},{"word":"gearing","start":1291.04,"end":1291.54,"confidence":0.91748047,"punctuated_word":"gearing","sentiment":"neutral","sentiment_score":-0.03197403624653816},{"word":"and","start":1292.4,"end":1292.64,"confidence":0.85595703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.030916832387447357},{"word":"things","start":1292.64,"end":1292.88,"confidence":0.99316406,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.028297074139118195},{"word":"like","start":1292.88,"end":1293.04,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.021210357546806335},{"word":"that","start":1293.04,"end":1293.28,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03521593660116196},{"word":"because","start":1293.28,"end":1293.52,"confidence":0.64501953,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.09373120218515396},{"word":"the","start":1293.52,"end":1293.68,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01974078267812729},{"word":"government","start":1293.68,"end":1294.08,"confidence":1.0,"punctuated_word":"government","sentiment":"neutral","sentiment_score":-0.007457785308361053},{"word":"wants","start":1294.08,"end":1294.24,"confidence":0.9760742,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.017517559230327606},{"word":"it","start":1294.24,"end":1294.4,"confidence":0.984375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05811788886785507},{"word":"to","start":1294.4,"end":1294.56,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.075178362429142},{"word":"be","start":1294.56,"end":1294.72,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11080091446638109},{"word":"focused","start":1294.72,"end":1295.12,"confidence":0.9941406,"punctuated_word":"focused","sentiment":"neutral","sentiment_score":0.16631558537483215},{"word":"on","start":1295.12,"end":1295.4401,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.22026972472667697},{"word":"new","start":1295.4401,"end":1295.76,"confidence":0.99902344,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.13439978659152985},{"word":"properties","start":1295.76,"end":1296.26,"confidence":0.96875,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":0.14219914376735687},{"word":"to","start":1296.48,"end":1296.56,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21886864304542544},{"word":"get","start":1296.56,"end":1296.8,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3123684525489807},{"word":"those","start":1296.8,"end":1297.04,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2505512535572052},{"word":"benefits","start":1297.04,"end":1297.54,"confidence":0.98999023,"punctuated_word":"benefits.","sentiment":"neutral","sentiment_score":0.2671864628791809},{"word":"so","start":1298.88,"end":1299.38,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3057642877101898},{"word":"a","start":1299.775,"end":1300.015,"confidence":0.9658203,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.46640631556510925},{"word":"new","start":1300.015,"end":1300.175,"confidence":0.9980469,"punctuated_word":"new","sentiment":"positive","sentiment_score":0.3359106481075287},{"word":"investment","start":1300.175,"end":1300.655,"confidence":0.984375,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.4243883490562439},{"word":"property","start":1300.655,"end":1301.0549,"confidence":0.9970703,"punctuated_word":"property","sentiment":"positive","sentiment_score":0.468493789434433},{"word":"or","start":1301.0549,"end":1301.135,"confidence":0.9716797,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.4399680197238922},{"word":"your","start":1301.135,"end":1301.295,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5342498421669006},{"word":"own","start":1301.295,"end":1301.535,"confidence":0.9980469,"punctuated_word":"own","sentiment":"positive","sentiment_score":0.5100192427635193},{"word":"home","start":1301.535,"end":1301.855,"confidence":0.98657227,"punctuated_word":"home,","sentiment":"positive","sentiment_score":0.42932015657424927},{"word":"that's","start":1301.855,"end":1302.095,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5758336186408997},{"word":"your","start":1302.095,"end":1302.255,"confidence":0.97998047,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.556739330291748},{"word":"best","start":1302.255,"end":1302.495,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.4511008858680725},{"word":"two","start":1302.495,"end":1302.735,"confidence":0.9658203,"punctuated_word":"two","sentiment":"positive","sentiment_score":0.5609578490257263},{"word":"options","start":1302.735,"end":1303.235,"confidence":0.8696289,"punctuated_word":"options,","sentiment":"positive","sentiment_score":0.4766462445259094},{"word":"and","start":1303.615,"end":1303.775,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.49742940068244934},{"word":"that's","start":1303.775,"end":1304.015,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5448631048202515},{"word":"the","start":1304.015,"end":1304.095,"confidence":0.9902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4238154292106629},{"word":"route","start":1304.095,"end":1304.495,"confidence":0.9892578,"punctuated_word":"route","sentiment":"positive","sentiment_score":0.4240358769893646},{"word":"to","start":1304.495,"end":1304.575,"confidence":0.93603516,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4795375466346741},{"word":"go","start":1304.575,"end":1305.075,"confidence":0.9970703,"punctuated_word":"go.","sentiment":"positive","sentiment_score":0.41740408539772034},{"word":"just","start":1306.255,"end":1306.575,"confidence":0.90722656,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.12906958162784576},{"word":"to","start":1306.575,"end":1306.735,"confidence":0.96533203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05745091289281845},{"word":"sort","start":1306.735,"end":1306.975,"confidence":0.96777344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0909179151058197},{"word":"of","start":1306.975,"end":1307.215,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12033658474683762},{"word":"take","start":1307.215,"end":1307.455,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.04201177507638931},{"word":"a","start":1307.455,"end":1307.535,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.030937474220991135},{"word":"step","start":1307.535,"end":1307.775,"confidence":1.0,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.00853603333234787},{"word":"back","start":1307.775,"end":1307.9349,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.033917978405952454},{"word":"in","start":1307.9349,"end":1308.175,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02529649063944817},{"word":"terms","start":1308.175,"end":1308.415,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.025407876819372177},{"word":"of","start":1308.415,"end":1308.575,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05217723175883293},{"word":"a","start":1308.575,"end":1308.655,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05225614830851555},{"word":"few","start":1308.655,"end":1308.895,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.07116317749023438},{"word":"basics","start":1308.895,"end":1309.295,"confidence":0.82666016,"punctuated_word":"basics","sentiment":"neutral","sentiment_score":0.0662609338760376},{"word":"of","start":1309.295,"end":1309.455,"confidence":0.9707031,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08014321327209473},{"word":"lending","start":1309.455,"end":1309.9349,"confidence":0.9863281,"punctuated_word":"lending","sentiment":"neutral","sentiment_score":0.06899192929267883},{"word":"here","start":1309.9349,"end":1310.4349,"confidence":0.82714844,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.05248633027076721},{"word":"so","start":1310.495,"end":1310.895,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06236845999956131},{"word":"when","start":1310.895,"end":1311.135,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0841403603553772},{"word":"i","start":1311.135,"end":1311.295,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10743436217308044},{"word":"got","start":1311.295,"end":1311.535,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11720649898052216},{"word":"my","start":1311.535,"end":1311.695,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.11094631999731064},{"word":"investment","start":1311.695,"end":1312.195,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.03743565082550049},{"word":"property","start":1312.255,"end":1312.755,"confidence":0.9975586,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.07464903593063354},{"word":"we","start":1313.37,"end":1313.61,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05495007708668709},{"word":"had","start":1313.61,"end":1313.77,"confidence":0.64208984,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.035540249198675156},{"word":"paid","start":1313.77,"end":1314.01,"confidence":0.98095703,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.05172029137611389},{"word":"down","start":1314.01,"end":1314.33,"confidence":0.9580078,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.032742809504270554},{"word":"our","start":1314.33,"end":1314.49,"confidence":0.98828125,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.027100704610347748},{"word":"mortgage","start":1314.49,"end":1314.81,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.001905541867017746},{"word":"a","start":1314.81,"end":1314.97,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.020339328795671463},{"word":"little","start":1314.97,"end":1315.13,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.01994118094444275},{"word":"bit","start":1315.13,"end":1315.53,"confidence":0.74035645,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.015401771292090416},{"word":"so","start":1315.53,"end":1315.77,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03778719902038574},{"word":"we","start":1315.77,"end":1315.85,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06313955783843994},{"word":"had","start":1315.85,"end":1316.09,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.06710898876190186},{"word":"a","start":1316.09,"end":1316.17,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08826638758182526},{"word":"bit","start":1316.17,"end":1316.25,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0650373101234436},{"word":"of","start":1316.25,"end":1316.49,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03883657604455948},{"word":"equity","start":1316.49,"end":1316.99,"confidence":0.8696289,"punctuated_word":"equity,","sentiment":"neutral","sentiment_score":0.057078294456005096},{"word":"and","start":1317.53,"end":1317.77,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05549236387014389},{"word":"we","start":1317.77,"end":1318.09,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07932011783123016},{"word":"basically","start":1318.09,"end":1318.59,"confidence":0.9741211,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.05441370978951454},{"word":"borrowed","start":1318.97,"end":1319.1699,"confidence":0.9941406,"punctuated_word":"borrowed","sentiment":"neutral","sentiment_score":0.01523970440030098},{"word":"a","start":1319.1699,"end":1319.37,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04644230753183365},{"word":"bit","start":1319.37,"end":1319.6901,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.030897505581378937},{"word":"off","start":1319.6901,"end":1319.93,"confidence":0.9838867,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.01418428122997284},{"word":"of","start":1319.93,"end":1320.01,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02176716923713684},{"word":"that","start":1320.01,"end":1320.33,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0330856591463089},{"word":"home","start":1320.33,"end":1320.83,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.0121752992272377},{"word":"to","start":1321.05,"end":1321.13,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04900050535798073},{"word":"get","start":1321.13,"end":1321.37,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.050371650606393814},{"word":"the","start":1321.37,"end":1321.61,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05618738383054733},{"word":"deposit","start":1321.61,"end":1322.11,"confidence":0.99902344,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":0.0440567284822464},{"word":"for","start":1322.81,"end":1323.29,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06555081903934479},{"word":"the","start":1323.29,"end":1323.53,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.060391321778297424},{"word":"next","start":1323.53,"end":1323.85,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.046189259737730026},{"word":"place","start":1323.85,"end":1324.35,"confidence":0.99194336,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.05409708991646767},{"word":"now","start":1324.65,"end":1325.15,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0765361338853836},{"word":"the","start":1325.635,"end":1325.7949,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10704514384269714},{"word":"way","start":1325.7949,"end":1325.955,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.1383465826511383},{"word":"it","start":1325.955,"end":1326.275,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13439668715000153},{"word":"kind","start":1326.275,"end":1326.4349,"confidence":0.97998047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.13775743544101715},{"word":"of","start":1326.4349,"end":1326.595,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16744858026504517},{"word":"works","start":1326.595,"end":1326.995,"confidence":0.99316406,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.13727349042892456},{"word":"is","start":1326.995,"end":1327.395,"confidence":0.7355957,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.12161779403686523},{"word":"let's","start":1327.395,"end":1327.715,"confidence":1.0,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.11400409787893297},{"word":"say","start":1327.715,"end":1328.115,"confidence":0.8925781,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.10350377857685088},{"word":"i","start":1328.115,"end":1328.355,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10124622285366058},{"word":"need","start":1328.355,"end":1328.595,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.08774611353874207},{"word":"a","start":1328.595,"end":1329.095,"confidence":0.9448242,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07539881020784378},{"word":"it's","start":1329.7949,"end":1329.955,"confidence":0.9946289,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05822131782770157},{"word":"an","start":1329.955,"end":1330.195,"confidence":0.9741211,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07516789436340332},{"word":"$800,000","start":1330.195,"end":1331.315,"confidence":0.936442,"punctuated_word":"$800,000","sentiment":"neutral","sentiment_score":0.05650509893894195},{"word":"property","start":1331.315,"end":1331.815,"confidence":0.84033203,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.056544229388237},{"word":"and","start":1331.955,"end":1332.115,"confidence":0.9223633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06331732869148254},{"word":"i","start":1332.115,"end":1332.275,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06454142183065414},{"word":"need","start":1332.275,"end":1332.515,"confidence":0.9873047,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.06932127475738525},{"word":"a","start":1332.515,"end":1332.595,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08065477013587952},{"word":"$200,000","start":1332.595,"end":1333.715,"confidence":0.9766439,"punctuated_word":"$200,000","sentiment":"neutral","sentiment_score":0.07520494610071182},{"word":"deposit","start":1333.715,"end":1334.215,"confidence":0.9921875,"punctuated_word":"deposit.","sentiment":"neutral","sentiment_score":0.06576980650424957},{"word":"so","start":1334.835,"end":1335.335,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08460244536399841},{"word":"i'm","start":1335.395,"end":1335.635,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.10777374356985092},{"word":"borrowing","start":1335.635,"end":1336.135,"confidence":0.9980469,"punctuated_word":"borrowing","sentiment":"neutral","sentiment_score":0.058266401290893555},{"word":"200","start":1336.195,"end":1336.835,"confidence":0.9748535,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.13247931003570557},{"word":"off","start":1336.835,"end":1337.155,"confidence":0.9140625,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.10523521900177002},{"word":"my","start":1337.155,"end":1337.395,"confidence":0.9790039,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.10265758633613586},{"word":"home","start":1337.395,"end":1337.895,"confidence":0.99902344,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.04760091006755829},{"word":"so","start":1338.08,"end":1338.24,"confidence":0.86328125,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10124744474887848},{"word":"that","start":1338.24,"end":1338.48,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15549810230731964},{"word":"goes","start":1338.48,"end":1338.72,"confidence":0.9970703,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.16194790601730347},{"word":"up","start":1338.72,"end":1338.96,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.16734525561332703},{"word":"in","start":1338.96,"end":1339.2,"confidence":0.7026367,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13458994030952454},{"word":"my","start":1339.2,"end":1339.36,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.10454224795103072},{"word":"repayments","start":1339.36,"end":1339.86,"confidence":0.9321289,"punctuated_word":"repayments","sentiment":"neutral","sentiment_score":0.07479257881641388},{"word":"increase","start":1340.0,"end":1340.5,"confidence":0.73095703,"punctuated_word":"increase.","sentiment":"neutral","sentiment_score":0.06567902863025665},{"word":"but","start":1341.12,"end":1341.36,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05882597714662552},{"word":"then","start":1341.36,"end":1341.6,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.052806757390499115},{"word":"i","start":1341.6,"end":1341.76,"confidence":0.9589844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05305951833724976},{"word":"only","start":1341.76,"end":1342.08,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.050050005316734314},{"word":"need","start":1342.08,"end":1342.48,"confidence":0.9980469,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.01473383605480194},{"word":"600","start":1342.48,"end":1343.22,"confidence":1.0,"punctuated_word":"600","sentiment":"neutral","sentiment_score":0.03719373047351837},{"word":"on","start":1343.28,"end":1343.52,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.034566085785627365},{"word":"the","start":1343.52,"end":1343.76,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02902744710445404},{"word":"investment","start":1343.76,"end":1344.24,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.01552942395210266},{"word":"property","start":1344.24,"end":1344.74,"confidence":0.97998047,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.03659898787736893},{"word":"to","start":1346.8,"end":1346.96,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07074941694736481},{"word":"make","start":1346.96,"end":1347.2,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05014694854617119},{"word":"the","start":1347.2,"end":1347.36,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06042681634426117},{"word":"full","start":1347.36,"end":1347.6,"confidence":0.9980469,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.08175645768642426},{"word":"800,000","start":1347.6,"end":1348.48,"confidence":0.99886066,"punctuated_word":"800,000.","sentiment":"neutral","sentiment_score":0.06684130430221558},{"word":"so","start":1348.48,"end":1348.64,"confidence":0.8041992,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.05777964740991592},{"word":"overall","start":1348.64,"end":1348.96,"confidence":0.9980469,"punctuated_word":"overall,","sentiment":"neutral","sentiment_score":0.07780833542346954},{"word":"you've","start":1348.96,"end":1349.2,"confidence":0.97680664,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.07679610699415207},{"word":"got","start":1349.2,"end":1349.36,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08113014698028564},{"word":"800,000","start":1349.36,"end":1350.24,"confidence":0.99934894,"punctuated_word":"800,000","sentiment":"neutral","sentiment_score":0.04068849608302117},{"word":"in","start":1350.24,"end":1350.4,"confidence":0.56933594,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03627486526966095},{"word":"debt","start":1350.4,"end":1350.885,"confidence":0.967041,"punctuated_word":"debt,","sentiment":"neutral","sentiment_score":-0.006027664989233017},{"word":"but","start":1350.965,"end":1351.205,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.025452151894569397},{"word":"200","start":1351.205,"end":1351.765,"confidence":0.9941406,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.007861480116844177},{"word":"you","start":1351.765,"end":1352.005,"confidence":0.7060547,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017934806644916534},{"word":"kind","start":1352.005,"end":1352.325,"confidence":0.9404297,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.001422487199306488},{"word":"of","start":1352.325,"end":1352.405,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.002800196409225464},{"word":"got","start":1352.405,"end":1352.725,"confidence":0.9770508,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.012421347200870514},{"word":"on","start":1352.725,"end":1352.885,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.017879322171211243},{"word":"your","start":1352.885,"end":1353.045,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.023872166872024536},{"word":"own","start":1353.045,"end":1353.205,"confidence":0.99902344,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.00011409074068069458},{"word":"home","start":1353.205,"end":1353.605,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.0019377321004867552},{"word":"paying","start":1353.605,"end":1354.005,"confidence":0.68652344,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.01945251226425171},{"word":"personally","start":1354.005,"end":1354.505,"confidence":0.7446289,"punctuated_word":"personally,","sentiment":"neutral","sentiment_score":0.017574254423379898},{"word":"600","start":1354.965,"end":1355.605,"confidence":0.99853516,"punctuated_word":"600","sentiment":"neutral","sentiment_score":0.015099436044692991},{"word":"is","start":1355.605,"end":1355.765,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.020763985812664032},{"word":"on","start":1355.765,"end":1356.005,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.010474912822246552},{"word":"the","start":1356.005,"end":1356.165,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02291220426559448},{"word":"property","start":1356.165,"end":1356.665,"confidence":1.0,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.02717220038175583},{"word":"now","start":1357.4451,"end":1357.685,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1193915456533432},{"word":"what","start":1357.685,"end":1357.845,"confidence":0.9760742,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1527162492275238},{"word":"this","start":1357.845,"end":1358.085,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1366744190454483},{"word":"kind","start":1358.085,"end":1358.325,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.12269443273544312},{"word":"of","start":1358.325,"end":1358.485,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08085613697767258},{"word":"means","start":1358.485,"end":1358.985,"confidence":0.9921875,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.07642653584480286},{"word":"is","start":1359.205,"end":1359.705,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13216248154640198},{"word":"there's","start":1359.765,"end":1360.085,"confidence":0.92578125,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.1782744824886322},{"word":"this","start":1360.085,"end":1360.245,"confidence":0.9951172,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.23177094757556915},{"word":"really","start":1360.245,"end":1360.5651,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.2408213317394257},{"word":"cool","start":1360.5651,"end":1360.805,"confidence":1.0,"punctuated_word":"cool","sentiment":"neutral","sentiment_score":0.3312893211841583},{"word":"little","start":1360.805,"end":1361.045,"confidence":0.9838867,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.3257274031639099},{"word":"trick","start":1361.045,"end":1361.365,"confidence":1.0,"punctuated_word":"trick","sentiment":"neutral","sentiment_score":0.25094813108444214},{"word":"i","start":1361.365,"end":1361.525,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2899836003780365},{"word":"do","start":1361.525,"end":1362.025,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.27105897665023804},{"word":"where","start":1362.085,"end":1362.585,"confidence":0.6591797,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.19396363198757172},{"word":"if","start":1362.725,"end":1362.885,"confidence":0.96777344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.21879643201828003},{"word":"you","start":1362.885,"end":1363.125,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17682020366191864},{"word":"have","start":1363.125,"end":1363.285,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11451362073421478},{"word":"an","start":1363.285,"end":1363.4451,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1222667545080185},{"word":"$800,000","start":1363.4451,"end":1364.5651,"confidence":0.97330725,"punctuated_word":"$800,000","sentiment":"neutral","sentiment_score":0.10806183516979218},{"word":"property","start":1364.5651,"end":1365.0651,"confidence":0.9921875,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.10264971852302553},{"word":"if","start":1365.4099,"end":1365.57,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14957553148269653},{"word":"it's","start":1365.57,"end":1365.73,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.11675018072128296},{"word":"paying","start":1365.73,"end":1366.0499,"confidence":0.99902344,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.0876583382487297},{"word":"you","start":1366.0499,"end":1366.2899,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12131214886903764},{"word":"800","start":1366.2899,"end":1366.7699,"confidence":0.9941406,"punctuated_word":"800","sentiment":"neutral","sentiment_score":0.0874653309583664},{"word":"a","start":1366.7699,"end":1366.85,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11959556490182877},{"word":"week","start":1366.85,"end":1367.1699,"confidence":0.9970703,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.0732474997639656},{"word":"rent","start":1367.1699,"end":1367.6499,"confidence":0.9667969,"punctuated_word":"rent,","sentiment":"neutral","sentiment_score":0.11000870168209076},{"word":"that's","start":1367.6499,"end":1367.97,"confidence":0.97265625,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.12599831819534302},{"word":"a","start":1367.97,"end":1368.21,"confidence":0.7836914,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1738682985305786},{"word":"5%","start":1368.21,"end":1368.85,"confidence":0.9995117,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.22225138545036316},{"word":"rental","start":1368.85,"end":1369.25,"confidence":0.9428711,"punctuated_word":"rental","sentiment":"neutral","sentiment_score":0.08567788451910019},{"word":"return","start":1369.25,"end":1369.75,"confidence":0.90966797,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.14607980847358704},{"word":"do","start":1373.01,"end":1373.1699,"confidence":0.9921875,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.03682531416416168},{"word":"you","start":1373.1699,"end":1373.33,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.050074253231287},{"word":"know","start":1373.33,"end":1373.49,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.042477045208215714},{"word":"how","start":1373.49,"end":1373.6499,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.03664208948612213},{"word":"much","start":1373.6499,"end":1373.89,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.056954775005578995},{"word":"that","start":1373.89,"end":1373.97,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06793738901615143},{"word":"property","start":1373.97,"end":1374.37,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.0689709484577179},{"word":"would","start":1374.37,"end":1374.5299,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.04560777544975281},{"word":"be","start":1374.5299,"end":1374.69,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.032347213476896286},{"word":"renting","start":1374.69,"end":1375.09,"confidence":0.9941406,"punctuated_word":"renting","sentiment":"neutral","sentiment_score":0.048519067466259},{"word":"for","start":1375.09,"end":1375.33,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02780370786786079},{"word":"approximately","start":1375.33,"end":1375.83,"confidence":0.9387207,"punctuated_word":"approximately?","sentiment":"neutral","sentiment_score":0.02946491539478302},{"word":"is","start":1376.0499,"end":1376.2899,"confidence":0.99316406,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.018827905878424644},{"word":"it","start":1376.2899,"end":1376.45,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.044317491352558136},{"word":"$9,001,000","start":1376.45,"end":1377.59,"confidence":0.9481201,"punctuated_word":"$9,001,000,","sentiment":"neutral","sentiment_score":0.05003976821899414},{"word":"something","start":1377.8099,"end":1378.21,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.02486717328429222},{"word":"above","start":1378.21,"end":1378.45,"confidence":0.98095703,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.02607635036110878},{"word":"there","start":1378.45,"end":1378.95,"confidence":0.7668457,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.014353102073073387},{"word":"yep","start":1380.705,"end":1381.0419,"confidence":0.8779297,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09037138521671297},{"word":"yep","start":1381.0419,"end":1381.3788,"confidence":0.7392578,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10098125785589218},{"word":"yep","start":1381.3788,"end":1381.7157,"confidence":0.97021484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11497100442647934},{"word":"so","start":1381.7157,"end":1382.0525,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11014428734779358},{"word":"anything","start":1382.0525,"end":1382.3894,"confidence":0.9980469,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.17539507150650024},{"word":"above","start":1382.3894,"end":1382.7263,"confidence":0.9980469,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.19818633794784543},{"word":"800","start":1382.7263,"end":1383.4001,"confidence":1.0,"punctuated_word":"800","sentiment":"neutral","sentiment_score":0.12015963345766068},{"word":"a","start":1383.4001,"end":1383.737,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17020513117313385},{"word":"week","start":1383.737,"end":1384.0739,"confidence":0.98535156,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.14190801978111267},{"word":"you're","start":1384.0739,"end":1384.4108,"confidence":0.99365234,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.13386601209640503},{"word":"starting","start":1384.4108,"end":1384.7477,"confidence":0.99902344,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":0.15487328171730042},{"word":"to","start":1384.7477,"end":1385.0846,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20057010650634768},{"word":"go","start":1385.0846,"end":1385.4215,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.23647338151931763},{"word":"up","start":1385.4215,"end":1385.7584,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2768121361732483},{"word":"to","start":1385.7584,"end":1386.0952,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24116531014442444},{"word":"six","start":1386.0952,"end":1386.4321,"confidence":0.99902344,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.2087104320526123},{"word":"or","start":1386.4321,"end":1386.769,"confidence":0.96240234,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1304282397031784},{"word":"7%","start":1386.769,"end":1387.4429,"confidence":0.99902344,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":0.22519123554229736},{"word":"rental","start":1387.4429,"end":1387.7798,"confidence":0.9921875,"punctuated_word":"rental","sentiment":"neutral","sentiment_score":0.09198831766843796},{"word":"return","start":1387.7798,"end":1388.1166,"confidence":0.9145508,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.13812310993671417},{"word":"and","start":1388.1166,"end":1388.4535,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1008552312850952},{"word":"the","start":1388.4535,"end":1388.7904,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1036817580461502},{"word":"reason","start":1388.7904,"end":1389.1273,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":0.1071859747171402},{"word":"why","start":1389.1273,"end":1389.4642,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.10007508099079132},{"word":"i","start":1389.4642,"end":1389.8011,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15913093090057373},{"word":"say","start":1389.8011,"end":1390.138,"confidence":0.99121094,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.12566818296909332},{"word":"that","start":1390.138,"end":1390.4749,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.156911700963974},{"word":"is","start":1390.4749,"end":1390.8118,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11520510166883469},{"word":"because","start":1390.8118,"end":1391.1487,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.11136331409215929},{"word":"the","start":1391.1487,"end":1391.4856,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13732339441776276},{"word":"the","start":1391.4856,"end":1391.8225,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10740023851394652},{"word":"interest","start":1391.8225,"end":1392.1593,"confidence":0.99902344,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.07433196157217026},{"word":"rates","start":1392.1593,"end":1392.4962,"confidence":0.90771484,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":0.09516428411006927},{"word":"these","start":1392.4962,"end":1392.8331,"confidence":0.97314453,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.09973661601543428},{"word":"days","start":1392.8331,"end":1393.17,"confidence":0.8093262,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":0.05829594284296036},{"word":"you're","start":1393.3301,"end":1393.5701,"confidence":0.9980469,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.14106570184230804},{"word":"going","start":1393.5701,"end":1393.65,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.20531433820724487},{"word":"to","start":1393.65,"end":1393.89,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2360502332448959},{"word":"be","start":1393.89,"end":1394.13,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.19582781195640564},{"word":"paying","start":1394.13,"end":1394.4501,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.13904136419296265},{"word":"that","start":1394.4501,"end":1394.9501,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2456773817539215},{"word":"6","start":1395.01,"end":1395.25,"confidence":0.9921875,"punctuated_word":"6","sentiment":"neutral","sentiment_score":0.16111262142658234},{"word":"or","start":1395.25,"end":1395.49,"confidence":0.97314453,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1196860373020172},{"word":"7%","start":1395.49,"end":1396.2101,"confidence":0.9995117,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":0.17028629779815674},{"word":"interest","start":1396.2101,"end":1396.61,"confidence":1.0,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.10361408442258836},{"word":"rate","start":1396.61,"end":1397.11,"confidence":0.9951172,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.1862630844116211},{"word":"for","start":1397.5701,"end":1397.7301,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21509668231010437},{"word":"that","start":1397.7301,"end":1398.05,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19611647725105288},{"word":"loan","start":1398.05,"end":1398.55,"confidence":0.9694824,"punctuated_word":"loan.","sentiment":"neutral","sentiment_score":0.11660758405923843},{"word":"so","start":1399.0901,"end":1399.25,"confidence":0.9301758,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22907628118991852},{"word":"you","start":1399.25,"end":1399.41,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3019173741340637},{"word":"wanna","start":1399.41,"end":1399.7301,"confidence":0.8457031,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.33985811471939087},{"word":"kind","start":1399.7301,"end":1399.89,"confidence":0.9199219,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.3224640488624573},{"word":"of","start":1399.89,"end":1400.05,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3384356200695038},{"word":"make","start":1400.05,"end":1400.2101,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.25064200162887573},{"word":"sure","start":1400.2101,"end":1400.53,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.3119892477989197},{"word":"that","start":1400.53,"end":1400.6901,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.33334189653396606},{"word":"it","start":1400.6901,"end":1400.8501,"confidence":0.7163086,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3213216960430145},{"word":"can","start":1400.8501,"end":1401.0901,"confidence":0.9902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2601216435432434},{"word":"kind","start":1401.0901,"end":1401.41,"confidence":0.9790039,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.25738707184791565},{"word":"of","start":1401.41,"end":1401.91,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30590373277664185},{"word":"pay","start":1402.2101,"end":1402.37,"confidence":0.9892578,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.2441927194595337},{"word":"for","start":1402.37,"end":1402.53,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3035055100917816},{"word":"itself","start":1402.53,"end":1403.01,"confidence":0.9970703,"punctuated_word":"itself","sentiment":"neutral","sentiment_score":0.3089277148246765},{"word":"to","start":1403.01,"end":1403.17,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27775758504867554},{"word":"a","start":1403.17,"end":1403.3301,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2632056772708893},{"word":"degree","start":1403.3301,"end":1403.81,"confidence":1.0,"punctuated_word":"degree","sentiment":"neutral","sentiment_score":0.176093727350235},{"word":"and","start":1403.81,"end":1404.05,"confidence":0.6557617,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28349509835243225},{"word":"that","start":1404.05,"end":1404.2101,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26053890585899353},{"word":"you're","start":1404.2101,"end":1404.37,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.22807566821575165},{"word":"not","start":1404.37,"end":1404.61,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.11540068686008452},{"word":"forking","start":1404.61,"end":1405.01,"confidence":0.87280273,"punctuated_word":"forking","sentiment":"neutral","sentiment_score":0.044507481157779694},{"word":"out","start":1405.01,"end":1405.25,"confidence":0.9404297,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.019281581044197083},{"word":"$500","start":1405.25,"end":1406.13,"confidence":0.998291,"punctuated_word":"$500","sentiment":"neutral","sentiment_score":-0.022280246019363403},{"word":"a","start":1406.13,"end":1406.29,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0022123977541923523},{"word":"week","start":1406.29,"end":1406.53,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.13757839798927307},{"word":"personally","start":1406.53,"end":1407.01,"confidence":0.9536133,"punctuated_word":"personally","sentiment":"neutral","sentiment_score":-0.032350897789001465},{"word":"just","start":1407.01,"end":1407.25,"confidence":0.96972656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.016874104738235474},{"word":"to","start":1407.25,"end":1407.3301,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04394221305847168},{"word":"keep","start":1407.3301,"end":1407.5701,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.05321665108203888},{"word":"it","start":1407.5701,"end":1407.7301,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.019007429480552673},{"word":"running","start":1407.7301,"end":1408.2301,"confidence":0.9995117,"punctuated_word":"running.","sentiment":"neutral","sentiment_score":0.03469221293926239},{"word":"right","start":1411.3451,"end":1411.665,"confidence":0.970459,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.1693701148033142},{"word":"so","start":1411.665,"end":1411.905,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1797941029071808},{"word":"negative","start":1411.905,"end":1412.305,"confidence":0.94384766,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":0.0778687596321106},{"word":"gearing","start":1412.305,"end":1412.545,"confidence":0.9921875,"punctuated_word":"gearing","sentiment":"neutral","sentiment_score":0.05855375528335571},{"word":"is","start":1412.545,"end":1412.625,"confidence":0.68847656,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.23462289571762085},{"word":"okay","start":1412.625,"end":1413.025,"confidence":0.91186523,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2424241006374359},{"word":"like","start":1413.025,"end":1413.185,"confidence":0.9296875,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.24209383130073547},{"word":"if","start":1413.185,"end":1413.425,"confidence":0.9550781,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3912028968334198},{"word":"it's","start":1413.425,"end":1413.8251,"confidence":0.99365234,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.3256610631942749},{"word":"a","start":1413.8251,"end":1413.9851,"confidence":0.9873047,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35051584243774414},{"word":"$100","start":1413.9851,"end":1414.545,"confidence":0.9875488,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.27344679832458496},{"word":"that","start":1414.545,"end":1414.785,"confidence":0.9902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3490094840526581},{"word":"you're","start":1414.785,"end":1415.025,"confidence":0.9807129,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3337947130203247},{"word":"forking","start":1415.025,"end":1415.425,"confidence":0.9567871,"punctuated_word":"forking","sentiment":"neutral","sentiment_score":0.20753493905067444},{"word":"out","start":1415.425,"end":1415.505,"confidence":0.9760742,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.3134288787841797},{"word":"for","start":1415.505,"end":1415.665,"confidence":0.9980469,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3636952340602875},{"word":"it","start":1415.665,"end":1415.745,"confidence":0.46801758,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2891600430011749},{"word":"and","start":1415.745,"end":1415.905,"confidence":0.56884766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3310873508453369},{"word":"you","start":1415.905,"end":1415.9851,"confidence":0.97314453,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4589438736438751},{"word":"get","start":1415.9851,"end":1416.145,"confidence":0.9970703,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4725298285484314},{"word":"to","start":1416.145,"end":1416.305,"confidence":0.93408203,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.37850841879844666},{"word":"claim","start":1416.305,"end":1416.545,"confidence":0.96240234,"punctuated_word":"claim","sentiment":"positive","sentiment_score":0.3946385979652405},{"word":"some","start":1416.545,"end":1416.785,"confidence":0.99316406,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.37078842520713806},{"word":"tax","start":1416.785,"end":1417.025,"confidence":0.9921875,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.4122224152088166},{"word":"deductions","start":1417.025,"end":1417.505,"confidence":0.86035156,"punctuated_word":"deductions,","sentiment":"neutral","sentiment_score":0.33148154616355896},{"word":"that's","start":1417.505,"end":1417.8251,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4922301471233368},{"word":"good","start":1417.8251,"end":1418.305,"confidence":0.8754883,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3507036566734314},{"word":"but","start":1418.305,"end":1418.625,"confidence":0.9875488,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.1274716556072235},{"word":"you","start":1418.625,"end":1418.785,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1016722321510315},{"word":"know","start":1418.785,"end":1419.185,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.04648531600832939},{"word":"you","start":1419.185,"end":1419.265,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11830127239227296},{"word":"guys","start":1419.265,"end":1419.505,"confidence":0.9980469,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.1302436888217926},{"word":"don't","start":1419.505,"end":1419.665,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1572125405073166},{"word":"wanna","start":1419.665,"end":1419.905,"confidence":0.84228516,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.19449342787265775},{"word":"buy","start":1419.905,"end":1420.0651,"confidence":0.99902344,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.25919121503829956},{"word":"an","start":1420.0651,"end":1420.2251,"confidence":0.96240234,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.2472882717847824},{"word":"$800,000","start":1420.2251,"end":1421.1051,"confidence":0.9673666,"punctuated_word":"$800,000","sentiment":"neutral","sentiment_score":-0.19758638739585876},{"word":"property","start":1421.1051,"end":1421.425,"confidence":0.9970703,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.1331002116203308},{"word":"that","start":1421.425,"end":1421.665,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11211014539003372},{"word":"costs","start":1421.665,"end":1421.9851,"confidence":0.71191406,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":-0.12131722271442412},{"word":"you","start":1421.9851,"end":1422.305,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1316261887550354},{"word":"400","start":1422.305,"end":1422.8651,"confidence":0.9980469,"punctuated_word":"400","sentiment":"neutral","sentiment_score":-0.14254753291606903},{"word":"a","start":1422.8651,"end":1422.9451,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10720685124397278},{"word":"week","start":1422.9451,"end":1423.4451,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.11445967853069304},{"word":"on","start":1423.71,"end":1423.87,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.08437637984752655},{"word":"top","start":1423.87,"end":1424.19,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":-0.07130203396081924},{"word":"of","start":1424.19,"end":1424.27,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.021857934072613716},{"word":"the","start":1424.27,"end":1424.4299,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01359650120139122},{"word":"rent","start":1424.4299,"end":1424.6699,"confidence":0.99316406,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":0.008436687290668488},{"word":"that","start":1424.6699,"end":1424.83,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.00123504176735878},{"word":"it","start":1424.83,"end":1424.9099,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.00985782966017723},{"word":"brings","start":1424.9099,"end":1425.23,"confidence":0.9970703,"punctuated_word":"brings","sentiment":"neutral","sentiment_score":0.009247642010450363},{"word":"in","start":1425.23,"end":1425.73,"confidence":0.9741211,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.022477950900793076},{"word":"that's","start":1426.4299,"end":1426.6699,"confidence":0.9941406,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.06145557761192322},{"word":"what","start":1426.6699,"end":1426.9099,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06193113327026367},{"word":"puts","start":1426.9099,"end":1427.15,"confidence":0.9921875,"punctuated_word":"puts","sentiment":"neutral","sentiment_score":0.008952327072620392},{"word":"people","start":1427.15,"end":1427.47,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.09911219775676729},{"word":"under","start":1427.47,"end":1427.87,"confidence":0.9116211,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.11765675246715546},{"word":"very","start":1427.87,"end":1428.03,"confidence":0.99902344,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.035983920097351074},{"word":"quickly","start":1428.03,"end":1428.53,"confidence":0.9875488,"punctuated_word":"quickly.","sentiment":"neutral","sentiment_score":0.06859050691127777},{"word":"so","start":1429.39,"end":1429.7899,"confidence":0.88671875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15585118532180786},{"word":"$9.50","start":1429.7899,"end":1430.4299,"confidence":0.9946289,"punctuated_word":"$9.50","sentiment":"neutral","sentiment_score":0.2497614622116089},{"word":"1,000","start":1430.4299,"end":1430.99,"confidence":0.857666,"punctuated_word":"1,000","sentiment":"positive","sentiment_score":0.3449030816555023},{"word":"starts","start":1430.99,"end":1431.3099,"confidence":0.7636719,"punctuated_word":"starts","sentiment":"positive","sentiment_score":0.3376370966434479},{"word":"to","start":1431.3099,"end":1431.47,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.40644729137420654},{"word":"get","start":1431.47,"end":1431.87,"confidence":0.9980469,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.40229010581970215},{"word":"better","start":1431.87,"end":1432.37,"confidence":0.99609375,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.31448447704315186},{"word":"because","start":1432.51,"end":1432.75,"confidence":0.83984375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.26654890179634094},{"word":"you're","start":1432.75,"end":1433.07,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3101758658885956},{"word":"talking","start":1433.07,"end":1433.57,"confidence":0.951416,"punctuated_word":"talking,","sentiment":"neutral","sentiment_score":0.2674117982387543},{"word":"let's","start":1433.95,"end":1434.19,"confidence":0.99902344,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.21753957867622375},{"word":"say","start":1434.19,"end":1434.6699,"confidence":0.9663086,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.1489318460226059},{"word":"7%","start":1434.6699,"end":1435.3099,"confidence":0.99902344,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":0.17487594485282898},{"word":"interest","start":1435.3099,"end":1435.71,"confidence":0.9980469,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.18057221174240112},{"word":"on","start":1435.71,"end":1435.87,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1577543318271637},{"word":"a","start":1435.87,"end":1436.03,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11517105251550674},{"word":"$600,000","start":1436.03,"end":1437.15,"confidence":0.96956384,"punctuated_word":"$600,000","sentiment":"neutral","sentiment_score":0.13393458724021912},{"word":"loan","start":1437.15,"end":1437.65,"confidence":0.86572266,"punctuated_word":"loan,","sentiment":"neutral","sentiment_score":0.1483910083770752},{"word":"but","start":1437.755,"end":1437.915,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.10236161947250366},{"word":"a","start":1437.915,"end":1438.0751,"confidence":0.9326172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16673333942890167},{"word":"7%","start":1438.0751,"end":1438.7151,"confidence":1.0,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":0.16401126980781555},{"word":"return","start":1438.7151,"end":1439.115,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.22568929195404053},{"word":"on","start":1439.115,"end":1439.3551,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15783962607383728},{"word":"800,000","start":1439.3551,"end":1440.415,"confidence":0.98445636,"punctuated_word":"800,000.","sentiment":"neutral","sentiment_score":0.12487073242664336},{"word":"so","start":1440.555,"end":1440.795,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07639528065919876},{"word":"you","start":1440.795,"end":1441.035,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03640184551477432},{"word":"kind","start":1441.035,"end":1441.535,"confidence":0.78466797,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.061570607125759125},{"word":"of","start":1442.0751,"end":1442.2351,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13227061927318573},{"word":"take","start":1442.2351,"end":1442.4751,"confidence":0.9375,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.09703180938959122},{"word":"into","start":1442.4751,"end":1442.7151,"confidence":0.9970703,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0914132297039032},{"word":"account","start":1442.7151,"end":1443.035,"confidence":0.9980469,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.13259729743003845},{"word":"all","start":1443.035,"end":1443.1951,"confidence":0.9536133,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.15205691754817963},{"word":"your","start":1443.1951,"end":1443.435,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05505591630935669},{"word":"costs","start":1443.435,"end":1443.755,"confidence":0.9560547,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":0.07943497598171234},{"word":"and","start":1443.755,"end":1443.995,"confidence":0.91845703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05256780982017517},{"word":"repairs","start":1443.995,"end":1444.495,"confidence":1.0,"punctuated_word":"repairs","sentiment":"neutral","sentiment_score":0.05492469668388367},{"word":"and","start":1444.555,"end":1445.055,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.019802488386631012},{"word":"agent","start":1445.1951,"end":1445.5951,"confidence":0.49414062,"punctuated_word":"agent","sentiment":"neutral","sentiment_score":0.01934909820556641},{"word":"fees","start":1445.5951,"end":1446.0751,"confidence":0.83691406,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.02757607027888298},{"word":"you're","start":1446.0751,"end":1446.3151,"confidence":0.9941406,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.02122003398835659},{"word":"getting","start":1446.3151,"end":1446.635,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.0236179381608963},{"word":"close","start":1446.635,"end":1446.9551,"confidence":0.9970703,"punctuated_word":"close","sentiment":"neutral","sentiment_score":-0.07865947484970093},{"word":"to","start":1446.9551,"end":1447.115,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02428990602493286},{"word":"breaking","start":1447.115,"end":1447.515,"confidence":0.9970703,"punctuated_word":"breaking","sentiment":"neutral","sentiment_score":0.005143865942955017},{"word":"even","start":1447.515,"end":1447.8351,"confidence":0.9633789,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.05898287892341614},{"word":"with","start":1447.8351,"end":1448.0751,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03685122728347778},{"word":"that","start":1448.0751,"end":1448.3151,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04587221145629883},{"word":"type","start":1448.3151,"end":1448.4751,"confidence":1.0,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.09097015857696532},{"word":"of","start":1448.4751,"end":1448.635,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0008081644773483276},{"word":"property","start":1448.635,"end":1449.135,"confidence":0.9995117,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":-0.009770728647708893},{"word":"so","start":1452.1699,"end":1452.6699,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06024953722953797},{"word":"i","start":1452.8099,"end":1453.0499,"confidence":0.6772461,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10038374364376068},{"word":"guess","start":1453.0499,"end":1453.2899,"confidence":0.99902344,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.12278811633586884},{"word":"the","start":1453.2899,"end":1453.5299,"confidence":0.9116211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1645345240831375},{"word":"the","start":1453.5299,"end":1453.69,"confidence":0.97265625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19699016213417053},{"word":"the","start":1453.69,"end":1453.7699,"confidence":0.7866211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24629399180412292},{"word":"problem","start":1453.7699,"end":1454.09,"confidence":0.9970703,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":-0.33129703998565674},{"word":"that","start":1454.09,"end":1454.1699,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3473609685897827},{"word":"i've","start":1454.1699,"end":1454.4099,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"negative","sentiment_score":-0.3589785695075989},{"word":"got","start":1454.4099,"end":1454.57,"confidence":0.99902344,"punctuated_word":"got","sentiment":"negative","sentiment_score":-0.438448041677475},{"word":"though","start":1454.57,"end":1454.8099,"confidence":0.75683594,"punctuated_word":"though","sentiment":"negative","sentiment_score":-0.3506042957305908},{"word":"is","start":1454.8099,"end":1454.97,"confidence":0.96435547,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.41677752137184143},{"word":"if","start":1454.97,"end":1455.1299,"confidence":0.95166016,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.389325886964798},{"word":"you","start":1455.1299,"end":1455.21,"confidence":0.9980469,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.43371132016181946},{"word":"guys","start":1455.21,"end":1455.5299,"confidence":1.0,"punctuated_word":"guys","sentiment":"negative","sentiment_score":-0.444480299949646},{"word":"don't","start":1455.5299,"end":1455.7699,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.5172064304351807},{"word":"have","start":1455.7699,"end":1455.9299,"confidence":1.0,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.518809974193573},{"word":"the","start":1455.9299,"end":1456.1699,"confidence":0.9951172,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5374119281768799},{"word":"cash","start":1456.1699,"end":1456.57,"confidence":1.0,"punctuated_word":"cash","sentiment":"negative","sentiment_score":-0.48838257789611816},{"word":"available","start":1456.57,"end":1457.0499,"confidence":1.0,"punctuated_word":"available","sentiment":"negative","sentiment_score":-0.5006839632987976},{"word":"to","start":1457.0499,"end":1457.21,"confidence":0.5019531,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.48710551857948303},{"word":"the","start":1457.21,"end":1457.37,"confidence":0.9873047,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4761474132537842},{"word":"deposit","start":1457.37,"end":1457.87,"confidence":0.78564453,"punctuated_word":"deposit,","sentiment":"negative","sentiment_score":-0.4543924331665039},{"word":"and","start":1457.9299,"end":1458.1699,"confidence":0.9980469,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.453347384929657},{"word":"like","start":1458.1699,"end":1458.33,"confidence":0.88671875,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.49036088585853577},{"word":"you","start":1458.33,"end":1458.4099,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.32096561789512634},{"word":"said","start":1458.4099,"end":1458.6499,"confidence":0.93237305,"punctuated_word":"said,","sentiment":"negative","sentiment_score":-0.4072189331054687},{"word":"you","start":1458.6499,"end":1458.73,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5071449279785156},{"word":"don't","start":1458.73,"end":1458.97,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.4890922009944916},{"word":"have","start":1458.97,"end":1459.1299,"confidence":1.0,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.45844826102256775},{"word":"any","start":1459.1299,"end":1459.6299,"confidence":0.99902344,"punctuated_word":"any","sentiment":"negative","sentiment_score":-0.4845486283302307},{"word":"assets","start":1459.9299,"end":1460.33,"confidence":0.7036133,"punctuated_word":"assets","sentiment":"negative","sentiment_score":-0.46780768036842346},{"word":"to","start":1460.33,"end":1460.4099,"confidence":0.9526367,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4955122768878937},{"word":"borrow","start":1460.4099,"end":1460.8099,"confidence":0.9980469,"punctuated_word":"borrow","sentiment":"negative","sentiment_score":-0.4406495094299317},{"word":"off","start":1460.8099,"end":1460.97,"confidence":0.9453125,"punctuated_word":"off","sentiment":"negative","sentiment_score":-0.5161215662956238},{"word":"at","start":1460.97,"end":1461.1299,"confidence":0.9980469,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.5276633501052856},{"word":"this","start":1461.1299,"end":1461.37,"confidence":1.0,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.4482526183128357},{"word":"point","start":1461.37,"end":1461.87,"confidence":0.8833008,"punctuated_word":"point.","sentiment":"negative","sentiment_score":-0.3555910289287567},{"word":"so","start":1464.635,"end":1464.9551,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03736658394336701},{"word":"your","start":1464.9551,"end":1465.1951,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03316240757703781},{"word":"main","start":1465.1951,"end":1465.435,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.006088376045227051},{"word":"thing","start":1465.435,"end":1465.5951,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.09702180325984956},{"word":"would","start":1465.5951,"end":1465.755,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08942098170518875},{"word":"be","start":1465.755,"end":1466.255,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08467380702495575},{"word":"building","start":1466.7151,"end":1467.035,"confidence":0.9970703,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.19914275407791135},{"word":"up","start":1467.035,"end":1467.535,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14301234483718872},{"word":"that","start":1467.8351,"end":1468.155,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17254459857940674},{"word":"cash","start":1468.155,"end":1468.635,"confidence":0.99902344,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.12331055849790572},{"word":"buffer","start":1468.635,"end":1469.135,"confidence":0.9980469,"punctuated_word":"buffer","sentiment":"neutral","sentiment_score":0.1535182148218155},{"word":"to","start":1469.1951,"end":1469.435,"confidence":0.69628906,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.148947611451149},{"word":"either","start":1469.435,"end":1469.675,"confidence":1.0,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.07275699079036713},{"word":"get","start":1469.675,"end":1469.915,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06696517020463943},{"word":"your","start":1469.915,"end":1470.0751,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05356582999229431},{"word":"home","start":1470.0751,"end":1470.3151,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.04898800700902939},{"word":"or","start":1470.3151,"end":1470.4751,"confidence":0.9902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03179648518562317},{"word":"get","start":1470.4751,"end":1470.635,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08524609357118607},{"word":"the","start":1470.635,"end":1470.795,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11057710647583008},{"word":"investment","start":1470.795,"end":1471.275,"confidence":0.98291016,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.07442285120487213},{"word":"property","start":1471.275,"end":1471.775,"confidence":0.99194336,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.12144137918949129},{"word":"either","start":1471.8351,"end":1472.0751,"confidence":0.9980469,"punctuated_word":"Either","sentiment":"neutral","sentiment_score":0.15890035033226013},{"word":"way","start":1472.0751,"end":1472.235,"confidence":0.9941406,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.1889476329088211},{"word":"is","start":1472.235,"end":1472.395,"confidence":0.86328125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.28171998262405396},{"word":"not","start":1472.395,"end":1472.635,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.3139757513999939},{"word":"a","start":1472.635,"end":1472.7151,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20376738905906677},{"word":"bad","start":1472.7151,"end":1472.9551,"confidence":1.0,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":0.09947866201400755},{"word":"idea","start":1472.9551,"end":1473.4551,"confidence":0.88623047,"punctuated_word":"idea.","sentiment":"neutral","sentiment_score":0.2558099031448364},{"word":"getting","start":1473.675,"end":1473.915,"confidence":0.99902344,"punctuated_word":"Getting","sentiment":"positive","sentiment_score":0.4471420645713806},{"word":"the","start":1473.915,"end":1474.0751,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4345315992832184},{"word":"investment","start":1474.0751,"end":1474.555,"confidence":0.9770508,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.33846279978752136},{"word":"property","start":1474.555,"end":1474.9551,"confidence":1.0,"punctuated_word":"property","sentiment":"positive","sentiment_score":0.4095832109451294},{"word":"and","start":1474.9551,"end":1475.1951,"confidence":0.96777344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4851171970367432},{"word":"then","start":1475.1951,"end":1475.355,"confidence":0.99902344,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.4986557364463806},{"word":"building","start":1475.355,"end":1475.755,"confidence":1.0,"punctuated_word":"building","sentiment":"positive","sentiment_score":0.4490165412425995},{"word":"wealth","start":1475.755,"end":1476.0751,"confidence":0.9980469,"punctuated_word":"wealth","sentiment":"positive","sentiment_score":0.5032567381858826},{"word":"that","start":1476.0751,"end":1476.3151,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4356916844844818},{"word":"way","start":1476.3151,"end":1476.8151,"confidence":0.7927246,"punctuated_word":"way,","sentiment":"positive","sentiment_score":0.3754622340202331},{"word":"rents","start":1477.36,"end":1477.6799,"confidence":0.6015625,"punctuated_word":"rents","sentiment":"positive","sentiment_score":0.43626636266708374},{"word":"vesting","start":1477.6799,"end":1478.1799,"confidence":0.82926434,"punctuated_word":"vesting,","sentiment":"positive","sentiment_score":0.41109225153923035},{"word":"it's","start":1478.32,"end":1478.3999,"confidence":0.7976074,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4505554139614105},{"word":"not","start":1478.3999,"end":1478.64,"confidence":1.0,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.39610612392425537},{"word":"the","start":1478.64,"end":1478.72,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2904992401599884},{"word":"worst","start":1478.72,"end":1479.0399,"confidence":0.9980469,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":0.15651525557041168},{"word":"idea","start":1479.0399,"end":1479.5399,"confidence":0.76708984,"punctuated_word":"idea,","sentiment":"positive","sentiment_score":0.3741855323314667},{"word":"and","start":1479.76,"end":1480.1599,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.46626803278923035},{"word":"buying","start":1480.1599,"end":1480.48,"confidence":0.99902344,"punctuated_word":"buying","sentiment":"positive","sentiment_score":0.4810431897640228},{"word":"your","start":1480.48,"end":1480.72,"confidence":0.9892578,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4698370099067688},{"word":"home","start":1480.72,"end":1480.96,"confidence":0.99902344,"punctuated_word":"home","sentiment":"positive","sentiment_score":0.35656458139419556},{"word":"and","start":1480.96,"end":1481.2,"confidence":0.9902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4725658595561981},{"word":"paying","start":1481.2,"end":1481.52,"confidence":0.9951172,"punctuated_word":"paying","sentiment":"positive","sentiment_score":0.5518152713775635},{"word":"it","start":1481.52,"end":1481.6,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4308327436447144},{"word":"off","start":1481.6,"end":1481.84,"confidence":0.98828125,"punctuated_word":"off","sentiment":"positive","sentiment_score":0.43285343050956726},{"word":"to","start":1481.84,"end":1482.0,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4448969066143036},{"word":"the","start":1482.0,"end":1482.08,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4396671950817108},{"word":"point","start":1482.08,"end":1482.32,"confidence":1.0,"punctuated_word":"point","sentiment":"positive","sentiment_score":0.3981242775917053},{"word":"to","start":1482.32,"end":1482.3999,"confidence":0.9921875,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5048844814300537},{"word":"get","start":1482.3999,"end":1482.64,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4929708242416382},{"word":"the","start":1482.64,"end":1482.7999,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5029253959655762},{"word":"investment","start":1482.7999,"end":1483.2799,"confidence":0.9838867,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.32938823103904724},{"word":"property","start":1483.2799,"end":1483.6,"confidence":0.97998047,"punctuated_word":"property","sentiment":"positive","sentiment_score":0.4571358859539032},{"word":"is","start":1483.6,"end":1483.6799,"confidence":0.9165039,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4735177755355835},{"word":"not","start":1483.6799,"end":1483.84,"confidence":1.0,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.5037964582443237},{"word":"a","start":1483.84,"end":1483.9199,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4119951128959656},{"word":"bad","start":1483.9199,"end":1484.1599,"confidence":1.0,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":0.20717425644397736},{"word":"idea","start":1484.1599,"end":1484.48,"confidence":0.99316406,"punctuated_word":"idea","sentiment":"positive","sentiment_score":0.39606377482414246},{"word":"either","start":1484.48,"end":1484.96,"confidence":0.9719238,"punctuated_word":"either.","sentiment":"positive","sentiment_score":0.6152631640434265},{"word":"both","start":1484.96,"end":1485.2,"confidence":0.9921875,"punctuated_word":"Both","sentiment":"positive","sentiment_score":0.7025753855705261},{"word":"of","start":1485.2,"end":1485.36,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.7294556498527527},{"word":"them","start":1485.36,"end":1485.6,"confidence":1.0,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.748621940612793},{"word":"are","start":1485.6,"end":1485.76,"confidence":0.9951172,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.7161096930503845},{"word":"good","start":1485.76,"end":1486.1599,"confidence":0.9597168,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5975253582000732},{"word":"you","start":1486.1599,"end":1486.3999,"confidence":1.0,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.3880162537097931},{"word":"do","start":1486.3999,"end":1486.64,"confidence":0.99121094,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3686835765838623},{"word":"just","start":1486.64,"end":1486.7999,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.30035677552223206},{"word":"need","start":1486.7999,"end":1487.0399,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.27136319875717163},{"word":"a","start":1487.0399,"end":1487.12,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24916265904903412},{"word":"bit","start":1487.12,"end":1487.2799,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1308916211128235},{"word":"of","start":1487.2799,"end":1487.36,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1506059765815735},{"word":"cash","start":1487.36,"end":1487.6799,"confidence":0.99902344,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.13132095336914062},{"word":"behind","start":1487.6799,"end":1488.0,"confidence":0.99902344,"punctuated_word":"behind","sentiment":"neutral","sentiment_score":0.05076463520526886},{"word":"you","start":1488.0,"end":1488.5,"confidence":0.99560547,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11389242112636566},{"word":"k","start":1492.015,"end":1492.515,"confidence":0.65966797,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.056400083005428314},{"word":"now","start":1492.575,"end":1493.075,"confidence":0.9667969,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07555555552244186},{"word":"just","start":1493.2949,"end":1493.615,"confidence":0.94189453,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07875613868236542},{"word":"walk","start":1493.615,"end":1493.775,"confidence":0.9921875,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.08532988280057907},{"word":"me","start":1493.775,"end":1494.015,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.07391157746315002},{"word":"through","start":1494.015,"end":1494.255,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07644808292388916},{"word":"briefly","start":1494.255,"end":1494.575,"confidence":0.9951172,"punctuated_word":"briefly","sentiment":"neutral","sentiment_score":0.08033902943134308},{"word":"as","start":1494.575,"end":1494.815,"confidence":0.9941406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06804266571998596},{"word":"well","start":1494.815,"end":1495.135,"confidence":0.9770508,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.07505865395069122},{"word":"so","start":1495.135,"end":1495.635,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11327177286148073},{"word":"in","start":1496.015,"end":1496.255,"confidence":0.97802734,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13010273873806},{"word":"terms","start":1496.255,"end":1496.495,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.10752815008163452},{"word":"of","start":1496.495,"end":1496.655,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1890363842248917},{"word":"your","start":1496.655,"end":1496.815,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16420476138591766},{"word":"own","start":1496.815,"end":1496.975,"confidence":0.99316406,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.15854281187057495},{"word":"cash","start":1496.975,"end":1497.215,"confidence":0.9902344,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.14206600189208984},{"word":"flow","start":1497.215,"end":1497.455,"confidence":0.96435547,"punctuated_word":"flow,","sentiment":"neutral","sentiment_score":0.1618666648864746},{"word":"you've","start":1497.455,"end":1497.695,"confidence":0.9951172,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1525074541568756},{"word":"just","start":1497.695,"end":1497.855,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15555280447006226},{"word":"gone","start":1497.855,"end":1498.095,"confidence":0.98828125,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.17359286546707153},{"word":"through","start":1498.095,"end":1498.335,"confidence":0.92529297,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.15907829999923706},{"word":"like","start":1498.335,"end":1498.495,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.15576064586639404},{"word":"you","start":1498.495,"end":1498.575,"confidence":0.93603516,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1480861455202103},{"word":"said","start":1498.575,"end":1498.815,"confidence":0.9855957,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.1367102563381195},{"word":"the","start":1498.815,"end":1498.975,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.213417187333107},{"word":"children","start":1498.975,"end":1499.475,"confidence":0.8894043,"punctuated_word":"children.","sentiment":"neutral","sentiment_score":0.18117797374725345},{"word":"everything's","start":1500.015,"end":1500.495,"confidence":0.8808594,"punctuated_word":"Everything's","sentiment":"positive","sentiment_score":0.34687310457229614},{"word":"kind","start":1500.495,"end":1500.735,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.304238498210907},{"word":"of","start":1500.735,"end":1500.895,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2969968020915985},{"word":"more","start":1500.895,"end":1501.135,"confidence":0.9970703,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.24747346341609955},{"word":"stable","start":1501.135,"end":1501.535,"confidence":1.0,"punctuated_word":"stable","sentiment":"neutral","sentiment_score":0.21395370364189148},{"word":"now","start":1501.535,"end":1502.035,"confidence":0.9975586,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.1734742373228073},{"word":"what's","start":1502.81,"end":1503.13,"confidence":0.9995117,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.08657173812389374},{"word":"the","start":1503.13,"end":1503.29,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1141246184706688},{"word":"budget","start":1503.29,"end":1503.61,"confidence":1.0,"punctuated_word":"budget","sentiment":"neutral","sentiment_score":0.098661869764328},{"word":"looking","start":1503.61,"end":1503.85,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.0804782509803772},{"word":"like","start":1503.85,"end":1504.09,"confidence":0.9921875,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0675424337387085},{"word":"for","start":1504.09,"end":1504.25,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07076546549797058},{"word":"you","start":1504.25,"end":1504.41,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0670982152223587},{"word":"guys","start":1504.41,"end":1504.91,"confidence":0.9916992,"punctuated_word":"guys?","sentiment":"neutral","sentiment_score":0.07299506664276123},{"word":"are","start":1504.97,"end":1505.21,"confidence":0.9970703,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.0385882593691349},{"word":"you","start":1505.21,"end":1505.37,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.060175951570272446},{"word":"able","start":1505.37,"end":1505.61,"confidence":0.99121094,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.05417840927839279},{"word":"to","start":1505.61,"end":1505.69,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05127768963575363},{"word":"put","start":1505.69,"end":1505.93,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0539935901761055},{"word":"aside","start":1505.93,"end":1506.25,"confidence":0.9902344,"punctuated_word":"aside","sentiment":"neutral","sentiment_score":0.05853797122836113},{"word":"a","start":1506.25,"end":1506.33,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05734618753194809},{"word":"little","start":1506.33,"end":1506.57,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.061045579612255096},{"word":"bit","start":1506.57,"end":1507.07,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06237197667360306},{"word":"that","start":1507.29,"end":1507.53,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04234754666686058},{"word":"you","start":1507.53,"end":1507.69,"confidence":0.9604492,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03268423303961754},{"word":"know","start":1507.69,"end":1508.09,"confidence":0.9941406,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.03185957297682762},{"word":"of","start":1508.09,"end":1508.41,"confidence":0.93847656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02257911115884781},{"word":"on","start":1508.41,"end":1508.57,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.028154224157333377},{"word":"a","start":1508.57,"end":1508.65,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03135685622692108},{"word":"weekly","start":1508.65,"end":1509.05,"confidence":0.7949219,"punctuated_word":"weekly,","sentiment":"neutral","sentiment_score":0.03328358754515648},{"word":"fortnightly","start":1509.05,"end":1509.55,"confidence":1.0,"punctuated_word":"fortnightly","sentiment":"neutral","sentiment_score":0.020086323842406273},{"word":"basis","start":1509.69,"end":1510.19,"confidence":0.99609375,"punctuated_word":"basis?","sentiment":"neutral","sentiment_score":0.01907949894666672},{"word":"yeah","start":1522.855,"end":1523.355,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.19342565536499023},{"word":"and","start":1537.09,"end":1537.33,"confidence":0.65283203,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.16382266581058502},{"word":"can","start":1537.33,"end":1537.57,"confidence":0.99609375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.15870344638824463},{"word":"i","start":1537.57,"end":1537.6499,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17103581130504608},{"word":"just","start":1537.6499,"end":1537.89,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.12718884646892548},{"word":"say","start":1537.89,"end":1538.0499,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.11338023841381072},{"word":"as","start":1538.0499,"end":1538.21,"confidence":0.98291016,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.13435567915439606},{"word":"well","start":1538.21,"end":1538.45,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.10476139932870863},{"word":"just","start":1538.45,"end":1538.77,"confidence":0.6972656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09838921576738358},{"word":"the","start":1538.77,"end":1539.27,"confidence":0.48535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1503118872642517},{"word":"most","start":1540.69,"end":1540.9299,"confidence":0.99609375,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.08593257516622543},{"word":"of","start":1540.9299,"end":1541.09,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12559440732002258},{"word":"the","start":1541.09,"end":1541.25,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11681728065013884},{"word":"people","start":1541.25,"end":1541.57,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.07856091856956482},{"word":"i'm","start":1541.57,"end":1541.8099,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.11809876561164856},{"word":"talking","start":1541.8099,"end":1542.13,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.06148043274879456},{"word":"through","start":1542.13,"end":1542.45,"confidence":0.60302734,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.12976109981536865},{"word":"this","start":1542.45,"end":1542.61,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.09235545247793198},{"word":"year","start":1542.61,"end":1543.11,"confidence":0.99658203,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.10074740648269652},{"word":"80%","start":1543.665,"end":1544.305,"confidence":0.99902344,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":-0.11543089151382446},{"word":"of","start":1544.305,"end":1544.4651,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11684335768222807},{"word":"the","start":1544.4651,"end":1544.545,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11697424948215485},{"word":"people","start":1544.545,"end":1544.9451,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.11501138657331468},{"word":"i've","start":1544.9451,"end":1545.1051,"confidence":0.9875488,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.10506406426429749},{"word":"spoken","start":1545.1051,"end":1545.425,"confidence":0.99902344,"punctuated_word":"spoken","sentiment":"neutral","sentiment_score":-0.08919896185398102},{"word":"to","start":1545.425,"end":1545.665,"confidence":0.9370117,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09100072085857391},{"word":"are","start":1545.665,"end":1545.8251,"confidence":0.94384766,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.09673558175563812},{"word":"in","start":1545.8251,"end":1545.9851,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11634692549705504},{"word":"the","start":1545.9851,"end":1546.0651,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12860898673534393},{"word":"same","start":1546.0651,"end":1546.385,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.0959969013929367},{"word":"boat","start":1546.385,"end":1546.885,"confidence":0.9980469,"punctuated_word":"boat?","sentiment":"neutral","sentiment_score":-0.1100030243396759},{"word":"i","start":1547.025,"end":1547.3451,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06488756835460663},{"word":"have","start":1547.3451,"end":1547.8251,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02648058533668518},{"word":"a","start":1547.8251,"end":1547.9851,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.025857971981167793},{"word":"lot","start":1547.9851,"end":1548.305,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.03638853877782822},{"word":"of","start":1548.305,"end":1548.625,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03981024771928787},{"word":"families","start":1548.625,"end":1549.125,"confidence":0.99902344,"punctuated_word":"families","sentiment":"neutral","sentiment_score":-0.007382571697235107},{"word":"who","start":1549.265,"end":1549.505,"confidence":0.99902344,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.00042510777711868286},{"word":"have","start":1549.505,"end":1549.745,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.006539113819599152},{"word":"a","start":1549.745,"end":1549.8251,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01556873694062233},{"word":"combined","start":1549.8251,"end":1550.3251,"confidence":1.0,"punctuated_word":"combined","sentiment":"neutral","sentiment_score":-0.008528642356395721},{"word":"income","start":1550.385,"end":1550.885,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.01770852506160736},{"word":"of","start":1551.3451,"end":1551.8251,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0033334046602249146},{"word":"150","start":1551.8251,"end":1552.7051,"confidence":0.9753418,"punctuated_word":"150","sentiment":"neutral","sentiment_score":-0.01218833029270172},{"word":"to","start":1552.7051,"end":1552.865,"confidence":0.9667969,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02705536037683487},{"word":"250,000","start":1552.865,"end":1554.245,"confidence":0.99550784,"punctuated_word":"250,000.","sentiment":"neutral","sentiment_score":-0.017836885526776314},{"word":"no","start":1554.865,"end":1555.025,"confidence":0.9921875,"punctuated_word":"No","sentiment":"negative","sentiment_score":-0.5594633221626282},{"word":"one's","start":1555.025,"end":1555.3451,"confidence":0.99121094,"punctuated_word":"one's","sentiment":"negative","sentiment_score":-0.4246666431427002},{"word":"able","start":1555.3451,"end":1555.665,"confidence":1.0,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.3918490409851074},{"word":"to","start":1555.665,"end":1555.745,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4573479294776917},{"word":"save","start":1555.745,"end":1556.245,"confidence":0.9785156,"punctuated_word":"save.","sentiment":"negative","sentiment_score":-0.420886754989624},{"word":"no","start":1557.16,"end":1557.4,"confidence":0.9873047,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.30216819047927856},{"word":"one's","start":1557.4,"end":1557.64,"confidence":0.9975586,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":-0.2637666165828705},{"word":"building","start":1557.64,"end":1558.12,"confidence":0.9980469,"punctuated_word":"building","sentiment":"neutral","sentiment_score":-0.22176149487495425},{"word":"deposits","start":1558.12,"end":1558.62,"confidence":0.92529297,"punctuated_word":"deposits.","sentiment":"neutral","sentiment_score":-0.23740077018737793},{"word":"people","start":1559.0801,"end":1559.4,"confidence":1.0,"punctuated_word":"People","sentiment":"neutral","sentiment_score":-0.1759420782327652},{"word":"are","start":1559.4,"end":1559.56,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.17702491581439972},{"word":"kind","start":1559.56,"end":1559.8,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.18082696199417111},{"word":"of","start":1559.8,"end":1559.96,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18477439880371097},{"word":"just","start":1559.96,"end":1560.46,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.21274270117282867},{"word":"punching","start":1561.0,"end":1561.3201,"confidence":0.5541992,"punctuated_word":"punching","sentiment":"neutral","sentiment_score":-0.2335942834615707},{"word":"their","start":1561.3201,"end":1561.48,"confidence":0.9970703,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.27788904309272766},{"word":"budgets","start":1561.48,"end":1561.88,"confidence":0.9970703,"punctuated_word":"budgets","sentiment":"neutral","sentiment_score":-0.2533159554004669},{"word":"and","start":1561.88,"end":1562.04,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2120498418807983},{"word":"going","start":1562.04,"end":1562.36,"confidence":0.8156738,"punctuated_word":"going,","sentiment":"neutral","sentiment_score":-0.22266697883605957},{"word":"like","start":1562.36,"end":1562.52,"confidence":0.95410156,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.21030499041080475},{"word":"what","start":1562.52,"end":1562.68,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.29122617840766907},{"word":"do","start":1562.68,"end":1562.84,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.308435320854187},{"word":"i","start":1562.84,"end":1562.92,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.21346716582775116},{"word":"do","start":1562.92,"end":1563.0801,"confidence":0.9951172,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":-0.20798856019973755},{"word":"do","start":1563.0801,"end":1563.24,"confidence":0.9970703,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.2128499746322632},{"word":"i","start":1563.24,"end":1563.3201,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.21140627562999725},{"word":"get","start":1563.3201,"end":1563.4,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1686614602804184},{"word":"rid","start":1563.4,"end":1563.64,"confidence":1.0,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.16043506562709808},{"word":"of","start":1563.64,"end":1563.72,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1467042863368988},{"word":"the","start":1563.72,"end":1563.88,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17484384775161743},{"word":"netflix","start":1563.88,"end":1564.36,"confidence":0.7373047,"punctuated_word":"Netflix?","sentiment":"neutral","sentiment_score":-0.16871081292629242},{"word":"so","start":1564.36,"end":1564.4401,"confidence":0.3894043,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1191541850566864},{"word":"that's","start":1564.4401,"end":1564.76,"confidence":0.9921875,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.14331385493278503},{"word":"only","start":1564.76,"end":1565.16,"confidence":0.84277344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.1233660876750946},{"word":"13","start":1565.16,"end":1565.56,"confidence":0.96875,"punctuated_word":"13","sentiment":"neutral","sentiment_score":-0.09504302591085434},{"word":"dollars","start":1565.56,"end":1565.8,"confidence":0.9980469,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":-0.08979757130146027},{"word":"a","start":1565.8,"end":1565.96,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09115146100521088},{"word":"month","start":1565.96,"end":1566.12,"confidence":0.84399414,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.13253572583198547},{"word":"that's","start":1566.12,"end":1566.36,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.26167765259742737},{"word":"not","start":1566.36,"end":1566.52,"confidence":0.7763672,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.23224113881587985},{"word":"a","start":1566.52,"end":1566.68,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21197772026062012},{"word":"deposit","start":1566.68,"end":1567.18,"confidence":0.9995117,"punctuated_word":"deposit.","sentiment":"neutral","sentiment_score":-0.247289776802063},{"word":"if","start":1568.4401,"end":1568.68,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.1969727873802185},{"word":"you","start":1568.68,"end":1568.84,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1423749476671219},{"word":"looked","start":1568.84,"end":1569.0801,"confidence":0.9428711,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.15401241183280945},{"word":"at","start":1569.0801,"end":1569.16,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1582120805978775},{"word":"your","start":1569.16,"end":1569.4,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1359560787677765},{"word":"budget","start":1569.4,"end":1569.9,"confidence":0.9980469,"punctuated_word":"budget,","sentiment":"neutral","sentiment_score":-0.1567978858947754},{"word":"i","start":1570.28,"end":1570.4401,"confidence":0.9819336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19726011157035828},{"word":"would","start":1570.4401,"end":1570.76,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.17239739000797272},{"word":"be","start":1570.76,"end":1570.92,"confidence":0.98095703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.16729912161827087},{"word":"i","start":1572.0449,"end":1572.205,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.21458005905151367},{"word":"would","start":1572.205,"end":1572.5249,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.21293041110038757},{"word":"kind","start":1572.5249,"end":1572.6849,"confidence":0.98535156,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.2654586732387543},{"word":"of","start":1572.6849,"end":1572.845,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.29264211654663086},{"word":"guess","start":1572.845,"end":1573.245,"confidence":0.89208984,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.277057409286499},{"word":"that","start":1573.245,"end":1573.745,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.26519450545310974},{"word":"you're","start":1573.8849,"end":1574.125,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.2878636121749878},{"word":"not","start":1574.125,"end":1574.205,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.29037681221961975},{"word":"doing","start":1574.205,"end":1574.445,"confidence":1.0,"punctuated_word":"doing","sentiment":"negative","sentiment_score":-0.35147538781166077},{"word":"anything","start":1574.445,"end":1574.845,"confidence":1.0,"punctuated_word":"anything","sentiment":"negative","sentiment_score":-0.34035494923591614},{"word":"too","start":1574.845,"end":1575.085,"confidence":0.9892578,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.3137397766113281},{"word":"majorly","start":1575.085,"end":1575.565,"confidence":0.9980469,"punctuated_word":"majorly","sentiment":"neutral","sentiment_score":-0.3311466574668884},{"word":"wrong","start":1575.565,"end":1575.8849,"confidence":0.9909668,"punctuated_word":"wrong.","sentiment":"neutral","sentiment_score":-0.26101094484329224},{"word":"like","start":1575.8849,"end":1576.125,"confidence":0.98291016,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.18093499541282657},{"word":"i","start":1576.125,"end":1576.245,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16568128764629364},{"word":"i","start":1576.245,"end":1576.365,"confidence":0.5419922,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1710944622755051},{"word":"haven't","start":1576.365,"end":1576.605,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.18435850739479065},{"word":"looked","start":1576.605,"end":1576.845,"confidence":1.0,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.12768152356147766},{"word":"at","start":1576.845,"end":1576.9249,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.16541863977909088},{"word":"it","start":1576.9249,"end":1577.085,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1963133215904236},{"word":"with","start":1577.085,"end":1577.245,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1687878668308258},{"word":"you","start":1577.245,"end":1577.745,"confidence":0.8898926,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.19698454439640045},{"word":"and","start":1577.965,"end":1578.205,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14272406697273254},{"word":"it's","start":1578.205,"end":1578.365,"confidence":0.96850586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1497100442647934},{"word":"something","start":1578.365,"end":1578.6849,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.1694054752588272},{"word":"that","start":1578.6849,"end":1578.845,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08125554025173187},{"word":"we","start":1578.845,"end":1579.0049,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08553410321474075},{"word":"do","start":1579.0049,"end":1579.1649,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.022624611854553223},{"word":"do","start":1579.1649,"end":1579.4049,"confidence":0.9760742,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.02884187363088131},{"word":"we","start":1579.4049,"end":1579.565,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.021122239530086517},{"word":"do","start":1579.565,"end":1579.8049,"confidence":0.9863281,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.018995441496372223},{"word":"break","start":1579.8049,"end":1580.0449,"confidence":0.8095703,"punctuated_word":"break","sentiment":"neutral","sentiment_score":-0.011668093502521517},{"word":"down","start":1580.0449,"end":1580.2849,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.011437684297561646},{"word":"budgets","start":1580.2849,"end":1580.6849,"confidence":0.99609375,"punctuated_word":"budgets","sentiment":"neutral","sentiment_score":-0.023627720773220066},{"word":"with","start":1580.6849,"end":1580.845,"confidence":0.5522461,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.004146210849285126},{"word":"people","start":1580.845,"end":1581.245,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.019786551594734192},{"word":"and","start":1581.245,"end":1581.485,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.003551274538040161},{"word":"see","start":1581.485,"end":1581.725,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.022818829864263535},{"word":"if","start":1581.725,"end":1581.8049,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03479933738708496},{"word":"there","start":1581.8049,"end":1582.0449,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.042017944157123566},{"word":"is","start":1582.0449,"end":1582.205,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06937648355960846},{"word":"anything","start":1582.205,"end":1582.605,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.09481970965862274},{"word":"glaring","start":1582.605,"end":1583.0049,"confidence":0.9951172,"punctuated_word":"glaring","sentiment":"neutral","sentiment_score":-0.13125038146972656},{"word":"that","start":1583.0049,"end":1583.1649,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12789912521839142},{"word":"we","start":1583.1649,"end":1583.325,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12024608254432678},{"word":"can","start":1583.325,"end":1583.565,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.08266687393188477},{"word":"point","start":1583.565,"end":1583.8849,"confidence":0.98291016,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.0817423164844513},{"word":"out","start":1583.8849,"end":1584.365,"confidence":0.7607422,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.09739111363887788},{"word":"but","start":1584.365,"end":1584.865,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.098854660987854},{"word":"the","start":1585.085,"end":1585.245,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1856592744588852},{"word":"whole","start":1585.245,"end":1585.485,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.18731410801410675},{"word":"country","start":1585.485,"end":1585.8049,"confidence":0.99902344,"punctuated_word":"country","sentiment":"neutral","sentiment_score":-0.1913752406835556},{"word":"is","start":1585.8049,"end":1585.965,"confidence":0.7207031,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.16806086897850037},{"word":"kind","start":1585.965,"end":1586.125,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.1816525161266327},{"word":"of","start":1586.125,"end":1586.2849,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2223282903432846},{"word":"in","start":1586.2849,"end":1586.445,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1683107316493988},{"word":"that","start":1586.445,"end":1586.6849,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17803654074668884},{"word":"same","start":1586.6849,"end":1586.9249,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.11195625364780426},{"word":"boat","start":1586.9249,"end":1587.4249,"confidence":0.9975586,"punctuated_word":"boat.","sentiment":"neutral","sentiment_score":-0.1137913465499878},{"word":"if","start":1588.0701,"end":1588.23,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.05970405042171478},{"word":"you're","start":1588.23,"end":1588.55,"confidence":0.9890137,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.05289047956466675},{"word":"not","start":1588.55,"end":1588.79,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08961136639118195},{"word":"living","start":1588.79,"end":1589.1901,"confidence":0.99902344,"punctuated_word":"living","sentiment":"neutral","sentiment_score":-0.05105037987232208},{"word":"in","start":1589.1901,"end":1589.35,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09749458730220796},{"word":"the","start":1589.35,"end":1589.59,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1098862737417221},{"word":"cheapest","start":1589.59,"end":1590.0701,"confidence":0.99609375,"punctuated_word":"cheapest","sentiment":"neutral","sentiment_score":-0.07764425873756409},{"word":"suburb","start":1590.0701,"end":1590.47,"confidence":0.99316406,"punctuated_word":"suburb","sentiment":"neutral","sentiment_score":-0.04636958986520767},{"word":"of","start":1590.47,"end":1590.63,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1596587300300598},{"word":"queensland","start":1590.63,"end":1591.13,"confidence":0.9980469,"punctuated_word":"Queensland","sentiment":"neutral","sentiment_score":-0.02509331703186035},{"word":"or","start":1591.1901,"end":1591.35,"confidence":0.984375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0972023755311966},{"word":"western","start":1591.35,"end":1591.75,"confidence":0.9902344,"punctuated_word":"Western","sentiment":"neutral","sentiment_score":-0.055305033922195435},{"word":"australia","start":1591.75,"end":1592.25,"confidence":1.0,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":-0.027392521500587463},{"word":"or","start":1592.71,"end":1592.95,"confidence":0.9550781,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08063124120235443},{"word":"in","start":1592.95,"end":1593.11,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.12289880216121674},{"word":"the","start":1593.11,"end":1593.27,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05815728008747101},{"word":"country","start":1593.27,"end":1593.75,"confidence":1.0,"punctuated_word":"country","sentiment":"neutral","sentiment_score":-0.05076374113559723},{"word":"of","start":1593.75,"end":1594.23,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07266699522733688},{"word":"new","start":1594.23,"end":1594.39,"confidence":0.9892578,"punctuated_word":"New","sentiment":"neutral","sentiment_score":-0.08444802463054657},{"word":"south","start":1594.39,"end":1594.71,"confidence":1.0,"punctuated_word":"South","sentiment":"neutral","sentiment_score":-0.0685996264219284},{"word":"wales","start":1594.71,"end":1595.03,"confidence":0.99902344,"punctuated_word":"Wales","sentiment":"neutral","sentiment_score":-0.09146611392498016},{"word":"areas","start":1595.03,"end":1595.53,"confidence":0.9892578,"punctuated_word":"areas,","sentiment":"neutral","sentiment_score":-0.08805914223194122},{"word":"nobody","start":1596.47,"end":1596.95,"confidence":0.99902344,"punctuated_word":"nobody","sentiment":"neutral","sentiment_score":-0.32606157660484314},{"word":"in","start":1596.95,"end":1597.11,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2503606379032135},{"word":"the","start":1597.11,"end":1597.27,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.27287015318870544},{"word":"major","start":1597.27,"end":1597.67,"confidence":0.9980469,"punctuated_word":"major","sentiment":"neutral","sentiment_score":-0.2310200035572052},{"word":"centers","start":1597.67,"end":1598.0701,"confidence":0.93603516,"punctuated_word":"centers","sentiment":"neutral","sentiment_score":-0.2295171022415161},{"word":"is","start":1598.0701,"end":1598.23,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2417134940624237},{"word":"actually","start":1598.23,"end":1598.55,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.23514023423194885},{"word":"getting","start":1598.55,"end":1598.87,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.19637668132781985},{"word":"ahead","start":1598.87,"end":1599.27,"confidence":0.99609375,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":-0.1147744432091713},{"word":"right","start":1599.27,"end":1599.43,"confidence":0.9980469,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.12688852846622467},{"word":"now","start":1599.43,"end":1599.93,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.22856494784355164},{"word":"despite","start":1600.0701,"end":1600.55,"confidence":0.88134766,"punctuated_word":"despite","sentiment":"neutral","sentiment_score":-0.12492083013057707},{"word":"having","start":1600.55,"end":1600.87,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.1139473021030426},{"word":"that","start":1600.87,"end":1601.11,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.054386161267757416},{"word":"good","start":1601.11,"end":1601.61,"confidence":0.96972656,"punctuated_word":"good,","sentiment":"neutral","sentiment_score":-0.050645388662815094},{"word":"you","start":1602.045,"end":1602.365,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04825207591056824},{"word":"know","start":1602.365,"end":1602.765,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0572369247674942},{"word":"dual","start":1602.765,"end":1603.0851,"confidence":0.8989258,"punctuated_word":"dual","sentiment":"neutral","sentiment_score":-0.03858569264411926},{"word":"six","start":1603.0851,"end":1603.3251,"confidence":0.9375,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.00841785129159689},{"word":"figure","start":1603.3251,"end":1603.645,"confidence":0.99609375,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":-0.019146503880620003},{"word":"incomes","start":1603.645,"end":1604.145,"confidence":0.95288086,"punctuated_word":"incomes.","sentiment":"neutral","sentiment_score":-0.02760123275220394},{"word":"so","start":1606.365,"end":1606.8451,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.15460185706615448},{"word":"i","start":1606.8451,"end":1607.005,"confidence":0.7939453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1780412495136261},{"word":"guess","start":1607.005,"end":1607.3251,"confidence":1.0,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.1911243498325348},{"word":"it","start":1607.3251,"end":1607.5651,"confidence":0.9316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1971279978752136},{"word":"sounds","start":1607.5651,"end":1607.9651,"confidence":0.9980469,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":-0.23644524812698364},{"word":"kind","start":1607.9651,"end":1608.125,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.2865171730518341},{"word":"of","start":1608.125,"end":1608.625,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.341726154088974},{"word":"a","start":1609.245,"end":1609.485,"confidence":0.86328125,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3801589608192444},{"word":"a","start":1609.485,"end":1609.5651,"confidence":0.54833984,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4560197591781616},{"word":"bit","start":1609.5651,"end":1609.805,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.4585153758525848},{"word":"of","start":1609.805,"end":1609.9651,"confidence":0.99316406,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5792794227600098},{"word":"defeatism","start":1609.9651,"end":1610.4651,"confidence":0.78637695,"punctuated_word":"defeatism","sentiment":"negative","sentiment_score":-0.49622711539268494},{"word":"to","start":1610.525,"end":1610.685,"confidence":0.90722656,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4509598910808563},{"word":"say","start":1610.685,"end":1610.8451,"confidence":0.99316406,"punctuated_word":"say","sentiment":"negative","sentiment_score":-0.3574235141277313},{"word":"like","start":1610.8451,"end":1611.0851,"confidence":0.8203125,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.26798495650291443},{"word":"oh","start":1611.0851,"end":1611.3251,"confidence":0.98657227,"punctuated_word":"oh,","sentiment":"negative","sentiment_score":-0.34521353244781494},{"word":"what","start":1611.3251,"end":1611.485,"confidence":0.99902344,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.4238213002681732},{"word":"can","start":1611.485,"end":1611.7251,"confidence":0.9970703,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.4231245517730713},{"word":"you","start":1611.7251,"end":1611.805,"confidence":0.8461914,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3677020072937012},{"word":"do","start":1611.805,"end":1611.9651,"confidence":0.98706055,"punctuated_word":"do?","sentiment":"negative","sentiment_score":-0.37420421838760376},{"word":"you","start":1611.9651,"end":1612.2051,"confidence":0.9941406,"punctuated_word":"You","sentiment":"negative","sentiment_score":-0.41352367401123047},{"word":"just","start":1612.2051,"end":1612.365,"confidence":0.86035156,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.371623158454895},{"word":"kind","start":1612.365,"end":1612.6051,"confidence":0.55322266,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.35901787877082825},{"word":"of","start":1612.6051,"end":1612.685,"confidence":0.9838867,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4374993443489074},{"word":"get","start":1612.685,"end":1612.925,"confidence":0.69873047,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.39256617426872253},{"word":"stuck","start":1612.925,"end":1613.425,"confidence":0.9760742,"punctuated_word":"stuck.","sentiment":"negative","sentiment_score":-0.3690032958984375},{"word":"but","start":1613.485,"end":1613.885,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.09465961158275604},{"word":"what","start":1613.885,"end":1614.045,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0730934590101242},{"word":"i've","start":1614.045,"end":1614.285,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.13121391832828522},{"word":"been","start":1614.285,"end":1614.525,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.10399256646633148},{"word":"telling","start":1614.525,"end":1614.8451,"confidence":1.0,"punctuated_word":"telling","sentiment":"neutral","sentiment_score":-0.004434317350387573},{"word":"people","start":1614.8451,"end":1615.165,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.011429429054260254},{"word":"that","start":1615.165,"end":1615.665,"confidence":0.5107422,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.005470290780067444},{"word":"this","start":1616.07,"end":1616.3099,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.057597167789936066},{"word":"is","start":1616.3099,"end":1616.47,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04985953867435455},{"word":"usually","start":1616.47,"end":1616.97,"confidence":1.0,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":-0.048596061766147614},{"word":"temporary","start":1617.0299,"end":1617.5299,"confidence":0.99902344,"punctuated_word":"temporary","sentiment":"neutral","sentiment_score":-0.08759106695652008},{"word":"to","start":1618.5499,"end":1618.71,"confidence":0.82470703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09869159758090972},{"word":"the","start":1618.71,"end":1618.7899,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06691721081733704},{"word":"point","start":1618.7899,"end":1619.0299,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.029584407806396484},{"word":"where","start":1619.0299,"end":1619.51,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.05343254655599594},{"word":"we","start":1619.51,"end":1619.6699,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07854796946048737},{"word":"go","start":1619.6699,"end":1619.83,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.07753011584281921},{"word":"through","start":1619.83,"end":1620.1499,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.07034459710121155},{"word":"these","start":1620.1499,"end":1620.39,"confidence":0.99902344,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.06336386501789093},{"word":"periods","start":1620.39,"end":1620.87,"confidence":0.99902344,"punctuated_word":"periods","sentiment":"neutral","sentiment_score":-0.07430314272642136},{"word":"where","start":1620.87,"end":1621.37,"confidence":0.9267578,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.0728340819478035},{"word":"the","start":1621.4299,"end":1621.59,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10380394756793976},{"word":"majority","start":1621.59,"end":1622.07,"confidence":1.0,"punctuated_word":"majority","sentiment":"neutral","sentiment_score":-0.13261492550373075},{"word":"of","start":1622.07,"end":1622.23,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14266690611839294},{"word":"our","start":1622.23,"end":1622.39,"confidence":0.9951172,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.16929516196250916},{"word":"generation","start":1622.39,"end":1622.89,"confidence":0.90722656,"punctuated_word":"generation","sentiment":"neutral","sentiment_score":-0.22900766134262085},{"word":"kind","start":1623.19,"end":1623.4299,"confidence":0.91503906,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.173263281583786},{"word":"of","start":1623.4299,"end":1623.59,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20968374609947205},{"word":"struggle","start":1623.59,"end":1623.9099,"confidence":0.84472656,"punctuated_word":"struggle","sentiment":"neutral","sentiment_score":-0.246089905500412},{"word":"for","start":1623.9099,"end":1624.07,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.20913349092006683},{"word":"that","start":1624.07,"end":1624.3099,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1891615390777588},{"word":"decade","start":1624.3099,"end":1624.71,"confidence":0.9621582,"punctuated_word":"decade,","sentiment":"neutral","sentiment_score":-0.1898620128631592},{"word":"whether","start":1624.71,"end":1625.0299,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.1680886149406433},{"word":"it's","start":1625.0299,"end":1625.19,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1636178493499756},{"word":"a","start":1625.19,"end":1625.35,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16656802594661713},{"word":"recession","start":1625.35,"end":1625.83,"confidence":1.0,"punctuated_word":"recession","sentiment":"neutral","sentiment_score":-0.165921151638031},{"word":"or","start":1625.83,"end":1626.33,"confidence":0.97314453,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.14403899013996124},{"word":"or","start":1626.63,"end":1626.95,"confidence":0.66259766,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.15850545465946198},{"word":"a","start":1626.95,"end":1627.0299,"confidence":0.82128906,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21694537997245789},{"word":"depression","start":1627.0299,"end":1627.4299,"confidence":0.99902344,"punctuated_word":"depression","sentiment":"neutral","sentiment_score":-0.21244585514068604},{"word":"or","start":1627.4299,"end":1627.59,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.17911413311958313},{"word":"something","start":1627.59,"end":1627.99,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.19586904346942904},{"word":"like","start":1627.99,"end":1628.1499,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.15782374143600464},{"word":"that","start":1628.1499,"end":1628.6499,"confidence":0.85839844,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.1482478529214859},{"word":"but","start":1629.025,"end":1629.345,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.17222857475280762},{"word":"it","start":1629.345,"end":1629.665,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1770009696483612},{"word":"never","start":1629.665,"end":1629.985,"confidence":1.0,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.16386491060256958},{"word":"lasts","start":1629.985,"end":1630.485,"confidence":0.9560547,"punctuated_word":"lasts","sentiment":"neutral","sentiment_score":-0.16865915060043335},{"word":"thirty","start":1630.705,"end":1631.105,"confidence":0.9753418,"punctuated_word":"thirty,","sentiment":"neutral","sentiment_score":-0.13729864358901978},{"word":"forty","start":1631.105,"end":1631.505,"confidence":0.9995117,"punctuated_word":"forty,","sentiment":"neutral","sentiment_score":-0.1379985511302948},{"word":"fifty","start":1631.505,"end":1631.825,"confidence":0.99902344,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":-0.10293411463499068},{"word":"years","start":1631.825,"end":1632.325,"confidence":0.9941406,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.12431178987026216},{"word":"not","start":1634.225,"end":1634.465,"confidence":0.99121094,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.004717379808425903},{"word":"that","start":1634.465,"end":1634.625,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01024751365184784},{"word":"you","start":1634.625,"end":1634.865,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01151244342327118},{"word":"have","start":1634.865,"end":1635.025,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.00740465521812439},{"word":"to","start":1635.025,"end":1635.105,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06705324351787567},{"word":"wait","start":1635.105,"end":1635.425,"confidence":1.0,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.022235766053199768},{"word":"thirty","start":1635.425,"end":1635.745,"confidence":0.9951172,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.004819735884666443},{"word":"years","start":1635.745,"end":1636.065,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.03785201907157898},{"word":"to","start":1636.065,"end":1636.225,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06371506303548813},{"word":"get","start":1636.225,"end":1636.385,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.03862666338682175},{"word":"your","start":1636.385,"end":1636.625,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.028990305960178375},{"word":"first","start":1636.625,"end":1636.865,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.024728097021579742},{"word":"property","start":1636.865,"end":1637.365,"confidence":0.9675293,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":-0.04575245454907417},{"word":"but","start":1637.585,"end":1637.825,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03433822840452194},{"word":"i'm","start":1637.825,"end":1638.065,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0982801765203476},{"word":"just","start":1638.065,"end":1638.225,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14864328503608704},{"word":"saying","start":1638.225,"end":1638.625,"confidence":1.0,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.22516480088233948},{"word":"that","start":1638.625,"end":1639.025,"confidence":0.9304199,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.2938458323478699},{"word":"like","start":1639.025,"end":1639.425,"confidence":0.96972656,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2607593834400177},{"word":"just","start":1639.425,"end":1639.665,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2253088355064392},{"word":"take","start":1639.665,"end":1639.905,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.20440225303173065},{"word":"some","start":1639.905,"end":1640.065,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.154683917760849},{"word":"heart","start":1640.065,"end":1640.225,"confidence":0.9277344,"punctuated_word":"heart","sentiment":"neutral","sentiment_score":0.2112995088100433},{"word":"in","start":1640.225,"end":1640.3049,"confidence":0.8154297,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3397357761859894},{"word":"the","start":1640.3049,"end":1640.465,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3466906249523163},{"word":"fact","start":1640.465,"end":1640.625,"confidence":0.99902344,"punctuated_word":"fact","sentiment":"positive","sentiment_score":0.38234877586364746},{"word":"that","start":1640.625,"end":1640.785,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4229328334331513},{"word":"you're","start":1640.785,"end":1641.105,"confidence":0.9885254,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4293089509010315},{"word":"not","start":1641.105,"end":1641.265,"confidence":0.99902344,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.3535017967224121},{"word":"doing","start":1641.265,"end":1641.585,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.3142539858818054},{"word":"something","start":1641.585,"end":1641.985,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.25133824348449707},{"word":"astronomically","start":1641.985,"end":1642.485,"confidence":0.99934894,"punctuated_word":"astronomically","sentiment":"neutral","sentiment_score":0.29460686445236206},{"word":"wrong","start":1642.705,"end":1643.205,"confidence":0.99902344,"punctuated_word":"wrong","sentiment":"positive","sentiment_score":0.3443065881729126},{"word":"and","start":1643.4701,"end":1643.55,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.38906973600387573},{"word":"everyone","start":1643.55,"end":1643.79,"confidence":1.0,"punctuated_word":"everyone","sentiment":"positive","sentiment_score":0.6410753130912781},{"word":"else","start":1643.79,"end":1643.9501,"confidence":1.0,"punctuated_word":"else","sentiment":"positive","sentiment_score":0.6682021021842957},{"word":"is","start":1643.9501,"end":1644.1901,"confidence":0.9921875,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.598016083240509},{"word":"having","start":1644.1901,"end":1644.3501,"confidence":1.0,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.6594753265380859},{"word":"a","start":1644.3501,"end":1644.51,"confidence":0.9873047,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.593644380569458},{"word":"great","start":1644.51,"end":1644.8301,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.6822818517684937},{"word":"time","start":1644.8301,"end":1645.2301,"confidence":0.86450195,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.5981493592262268},{"word":"it's","start":1645.2301,"end":1645.39,"confidence":0.9975586,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4417785108089447},{"word":"like","start":1645.39,"end":1645.63,"confidence":0.9248047,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.5044903755187988},{"word":"we're","start":1645.63,"end":1645.79,"confidence":0.9667969,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.4948702454566955},{"word":"all","start":1645.79,"end":1645.9501,"confidence":0.99902344,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5130512118339539},{"word":"kind","start":1645.9501,"end":1646.1101,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.29951563477516174},{"word":"of","start":1646.1101,"end":1646.27,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3528008460998535},{"word":"in","start":1646.27,"end":1646.3501,"confidence":0.9970703,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4102452993392944},{"word":"the","start":1646.3501,"end":1646.51,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3322301208972931},{"word":"same","start":1646.51,"end":1646.75,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.3096449673175812},{"word":"boat","start":1646.75,"end":1647.25,"confidence":0.98657227,"punctuated_word":"boat.","sentiment":"neutral","sentiment_score":0.24024268984794617},{"word":"yep","start":1649.63,"end":1650.03,"confidence":0.7988281,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09649067372083664},{"word":"even","start":1650.03,"end":1650.27,"confidence":0.9980469,"punctuated_word":"Even","sentiment":"neutral","sentiment_score":0.12897031009197235},{"word":"myself","start":1650.27,"end":1650.77,"confidence":0.9577637,"punctuated_word":"myself.","sentiment":"neutral","sentiment_score":0.11189665645360948},{"word":"so","start":1650.91,"end":1651.31,"confidence":0.9741211,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08928161859512329},{"word":"i've","start":1651.31,"end":1651.55,"confidence":0.99853516,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.13623851537704468},{"word":"got","start":1651.55,"end":1651.8701,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.17465677857398987},{"word":"investments","start":1651.8701,"end":1652.3501,"confidence":0.8664551,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.16346561908721924},{"word":"i've","start":1652.3501,"end":1652.5901,"confidence":0.9946289,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.24741201102733612},{"word":"got","start":1652.5901,"end":1652.75,"confidence":0.9921875,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.25633537769317627},{"word":"investment","start":1652.75,"end":1653.2301,"confidence":0.96240234,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.2098451554775238},{"word":"properties","start":1653.2301,"end":1653.7301,"confidence":0.9616699,"punctuated_word":"properties,","sentiment":"neutral","sentiment_score":0.25970232486724854},{"word":"good","start":1653.79,"end":1654.03,"confidence":0.92089844,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3380337059497833},{"word":"income","start":1654.03,"end":1654.53,"confidence":0.99560547,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.3020729720592499},{"word":"free","start":1654.8301,"end":1655.15,"confidence":0.91748047,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.3082939386367798},{"word":"children","start":1655.15,"end":1655.55,"confidence":0.91064453,"punctuated_word":"children,","sentiment":"neutral","sentiment_score":0.22766898572444916},{"word":"and","start":1655.55,"end":1655.79,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12895753979682922},{"word":"so","start":1655.79,"end":1655.9501,"confidence":0.9863281,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10800053179264069},{"word":"on","start":1655.9501,"end":1656.4501,"confidence":0.9921875,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.1163303554058075},{"word":"we're","start":1656.625,"end":1656.945,"confidence":0.98779297,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.17405258119106293},{"word":"kind","start":1656.945,"end":1657.1849,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.12902390956878662},{"word":"of","start":1657.1849,"end":1657.345,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.129616379737854},{"word":"just","start":1657.345,"end":1657.505,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09326781332492828},{"word":"been","start":1657.505,"end":1657.6649,"confidence":0.97314453,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.07499326765537262},{"word":"in","start":1657.6649,"end":1657.745,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07324355840682983},{"word":"the","start":1657.745,"end":1657.9049,"confidence":0.6801758,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03846222162246704},{"word":"holding","start":1657.9049,"end":1658.225,"confidence":0.9921875,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":0.057652950286865234},{"word":"pattern","start":1658.225,"end":1658.5449,"confidence":0.92089844,"punctuated_word":"pattern","sentiment":"neutral","sentiment_score":0.012626975774765016},{"word":"for","start":1658.5449,"end":1658.865,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03621992468833923},{"word":"two","start":1658.865,"end":1659.105,"confidence":0.9863281,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.01954193413257599},{"word":"years","start":1659.105,"end":1659.4249,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.035629674792289734},{"word":"now","start":1659.4249,"end":1659.9249,"confidence":0.9980469,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.08003732562065125},{"word":"where","start":1660.065,"end":1660.3049,"confidence":0.4885254,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.10659407079219818},{"word":"we're","start":1660.3049,"end":1660.465,"confidence":0.9550781,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.09735604375600816},{"word":"just","start":1660.465,"end":1660.625,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1279427707195282},{"word":"trying","start":1660.625,"end":1660.945,"confidence":0.9951172,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.13836625218391418},{"word":"to","start":1660.945,"end":1661.025,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21636822819709775},{"word":"keep","start":1661.025,"end":1661.265,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.24184823036193848},{"word":"things","start":1661.265,"end":1661.6649,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.27956947684288025},{"word":"moving","start":1661.6649,"end":1662.1649,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.2769315242767334},{"word":"because","start":1662.705,"end":1663.205,"confidence":0.8798828,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.18624791502952576},{"word":"everything's","start":1663.265,"end":1663.745,"confidence":0.9724121,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":0.23198549449443817},{"word":"gone","start":1663.745,"end":1663.985,"confidence":0.7895508,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.242839515209198},{"word":"up","start":1663.985,"end":1664.3049,"confidence":0.9794922,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.1629340499639511},{"word":"the","start":1664.3049,"end":1664.625,"confidence":0.8647461,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.03428349643945694},{"word":"the","start":1664.625,"end":1664.705,"confidence":0.93115234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04343400150537491},{"word":"groceries","start":1664.705,"end":1665.205,"confidence":0.63427734,"punctuated_word":"groceries","sentiment":"neutral","sentiment_score":0.07166895270347595},{"word":"is","start":1665.825,"end":1665.985,"confidence":0.9013672,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.025727249681949615},{"word":"$3.04","start":1665.985,"end":1666.625,"confidence":0.9766846,"punctuated_word":"$3.04,","sentiment":"neutral","sentiment_score":0.029496408998966217},{"word":"500","start":1666.625,"end":1667.105,"confidence":0.98657227,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.056638963520526886},{"word":"a","start":1667.105,"end":1667.1849,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02882547117769718},{"word":"week","start":1667.1849,"end":1667.6649,"confidence":0.9980469,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.017994482070207596},{"word":"the","start":1667.6649,"end":1667.9049,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.012097761034965515},{"word":"electricity","start":1667.9049,"end":1668.4049,"confidence":1.0,"punctuated_word":"electricity","sentiment":"neutral","sentiment_score":-0.01677539199590683},{"word":"is","start":1668.465,"end":1668.625,"confidence":0.9741211,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.010051891207695007},{"word":"a","start":1668.625,"end":1668.705,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.022585295140743256},{"word":"thousand","start":1668.705,"end":1669.105,"confidence":0.9970703,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.023310933262109756},{"word":"a","start":1669.105,"end":1669.1849,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007958926260471344},{"word":"quarter","start":1669.1849,"end":1669.505,"confidence":0.97753906,"punctuated_word":"quarter,","sentiment":"neutral","sentiment_score":0.008955797180533409},{"word":"but","start":1669.505,"end":1669.6649,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0035407654941082},{"word":"we've","start":1669.6649,"end":1669.9049,"confidence":0.98291016,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.019554566591978073},{"word":"got","start":1669.9049,"end":1670.145,"confidence":0.97265625,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05260205268859863},{"word":"solar","start":1670.145,"end":1670.465,"confidence":0.99316406,"punctuated_word":"solar","sentiment":"neutral","sentiment_score":0.046377986669540405},{"word":"and","start":1670.465,"end":1670.625,"confidence":0.37402344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01735515147447586},{"word":"it's","start":1670.625,"end":1670.7849,"confidence":0.9802246,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0068418062292039394},{"word":"just","start":1670.7849,"end":1671.025,"confidence":0.9873047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.054632194340229034},{"word":"like","start":1671.025,"end":1671.45,"confidence":0.8125,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.005451120436191559},{"word":"everywhere","start":1671.61,"end":1671.9299,"confidence":1.0,"punctuated_word":"everywhere","sentiment":"neutral","sentiment_score":-0.004889152944087982},{"word":"i","start":1671.9299,"end":1672.4299,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.060301318764686584},{"word":"look","start":1672.73,"end":1672.97,"confidence":0.9758301,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":-0.026456482708454132},{"word":"there's","start":1672.97,"end":1673.37,"confidence":0.9926758,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.12975364923477173},{"word":"just","start":1673.37,"end":1673.7699,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09225577116012572},{"word":"money","start":1673.7699,"end":1674.1699,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.03777165710926056},{"word":"flooding","start":1674.1699,"end":1674.49,"confidence":0.9921875,"punctuated_word":"flooding","sentiment":"neutral","sentiment_score":0.05173462629318237},{"word":"out","start":1674.49,"end":1674.73,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.006831333041191101},{"word":"for","start":1674.73,"end":1675.13,"confidence":0.97265625,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.019094139337539673},{"word":"everything","start":1675.13,"end":1675.5299,"confidence":0.9980469,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.05983792245388031},{"word":"under","start":1675.5299,"end":1675.7699,"confidence":0.99316406,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.04012489318847656},{"word":"the","start":1675.7699,"end":1676.01,"confidence":0.56689453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02008812874555588},{"word":"sun","start":1676.01,"end":1676.51,"confidence":0.9494629,"punctuated_word":"sun.","sentiment":"neutral","sentiment_score":0.07187289744615555},{"word":"so","start":1678.8899,"end":1679.3899,"confidence":0.9838867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11424244940280914},{"word":"one","start":1679.61,"end":1679.85,"confidence":0.99121094,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.12792137265205383},{"word":"thing","start":1679.85,"end":1680.01,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.17285822331905365},{"word":"that","start":1680.01,"end":1680.49,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13413749635219574},{"word":"definitely","start":1680.49,"end":1680.99,"confidence":0.69873047,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.11347298324108124},{"word":"budget","start":1681.85,"end":1682.25,"confidence":0.5678711,"punctuated_word":"budget","sentiment":"neutral","sentiment_score":0.14705197513103485},{"word":"assistance","start":1682.25,"end":1682.75,"confidence":0.9343262,"punctuated_word":"assistance,","sentiment":"neutral","sentiment_score":0.1339520514011383},{"word":"we","start":1683.13,"end":1683.2899,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17977461218833923},{"word":"can","start":1683.2899,"end":1683.5299,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2198312282562256},{"word":"send","start":1683.5299,"end":1683.7699,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.19469770789146423},{"word":"through","start":1683.7699,"end":1684.01,"confidence":0.9667969,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.15482819080352783},{"word":"a","start":1684.01,"end":1684.09,"confidence":0.9291992,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20104914903640747},{"word":"budget","start":1684.09,"end":1684.49,"confidence":1.0,"punctuated_word":"budget","sentiment":"neutral","sentiment_score":0.10161321610212326},{"word":"planner","start":1684.49,"end":1684.99,"confidence":0.92578125,"punctuated_word":"planner,","sentiment":"neutral","sentiment_score":0.15403275191783905},{"word":"fill","start":1685.345,"end":1685.665,"confidence":0.9951172,"punctuated_word":"fill","sentiment":"neutral","sentiment_score":0.1517430543899536},{"word":"that","start":1685.665,"end":1685.745,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12334031611680984},{"word":"in","start":1685.745,"end":1686.225,"confidence":0.96875,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.11751210689544678},{"word":"if","start":1686.225,"end":1686.385,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.06742215156555176},{"word":"there's","start":1686.385,"end":1686.625,"confidence":0.9946289,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.03975462913513184},{"word":"anything","start":1686.625,"end":1687.025,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.008521631360054016},{"word":"that","start":1687.025,"end":1687.265,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01745419204235077},{"word":"i","start":1687.265,"end":1687.425,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03781677037477493},{"word":"can","start":1687.425,"end":1687.8251,"confidence":0.99609375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.011626966297626495},{"word":"notice","start":1687.8251,"end":1688.225,"confidence":0.99902344,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":-0.006299227476119995},{"word":"with","start":1688.225,"end":1688.465,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.02519940584897995},{"word":"dana","start":1688.465,"end":1688.965,"confidence":0.97998047,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":-0.01711772009730339},{"word":"that's","start":1689.025,"end":1689.425,"confidence":0.8894043,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.14409798383712769},{"word":"glaringly","start":1689.425,"end":1689.925,"confidence":0.97021484,"punctuated_word":"glaringly","sentiment":"neutral","sentiment_score":-0.2370859980583191},{"word":"obvious","start":1689.985,"end":1690.385,"confidence":0.9926758,"punctuated_word":"obvious,","sentiment":"neutral","sentiment_score":-0.012631148099899292},{"word":"we'll","start":1690.385,"end":1690.545,"confidence":0.9970703,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.0902673527598381},{"word":"let","start":1690.545,"end":1690.785,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.10914098471403122},{"word":"you","start":1690.785,"end":1690.9451,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09713760018348694},{"word":"know","start":1690.9451,"end":1691.4451,"confidence":0.9909668,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.07240753620862961},{"word":"outside","start":1691.745,"end":1692.145,"confidence":0.9980469,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":0.13342805206775665},{"word":"of","start":1692.145,"end":1692.305,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11364341527223588},{"word":"that","start":1692.305,"end":1692.805,"confidence":0.9951172,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.09520746022462843},{"word":"when","start":1693.505,"end":1693.745,"confidence":0.99609375,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.18634100258350372},{"word":"we","start":1693.745,"end":1693.8251,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1464616358280182},{"word":"can","start":1693.8251,"end":1694.0651,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22531424462795255},{"word":"get","start":1694.0651,"end":1694.305,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2242055237293243},{"word":"some","start":1694.305,"end":1694.545,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.21502169966697693},{"word":"cash","start":1694.545,"end":1694.865,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.3066021502017975},{"word":"built","start":1694.865,"end":1695.185,"confidence":0.8984375,"punctuated_word":"built","sentiment":"neutral","sentiment_score":0.27150678634643555},{"word":"up","start":1695.185,"end":1695.685,"confidence":0.9941406,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.2841588854789734},{"word":"we've","start":1695.8251,"end":1696.0651,"confidence":1.0,"punctuated_word":"we've","sentiment":"positive","sentiment_score":0.33958324790000916},{"word":"got","start":1696.0651,"end":1696.305,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.33381709456443787},{"word":"all","start":1696.305,"end":1696.465,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.3283412456512451},{"word":"the","start":1696.465,"end":1696.625,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3431416153907776},{"word":"brokers","start":1696.625,"end":1697.025,"confidence":0.9980469,"punctuated_word":"brokers","sentiment":"neutral","sentiment_score":0.2634943425655365},{"word":"that","start":1697.025,"end":1697.185,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3756761252880096},{"word":"can","start":1697.185,"end":1697.345,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.352608323097229},{"word":"get","start":1697.345,"end":1697.505,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4164179861545563},{"word":"you","start":1697.505,"end":1697.745,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.38778698444366455},{"word":"the","start":1697.745,"end":1697.8251,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28682565689086914},{"word":"best","start":1697.8251,"end":1698.3251,"confidence":0.9970703,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.24305889010429385},{"word":"best","start":1698.6,"end":1698.84,"confidence":0.5097656,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.241716206073761},{"word":"loans","start":1698.84,"end":1699.32,"confidence":0.9499512,"punctuated_word":"loans,","sentiment":"neutral","sentiment_score":0.3186185359954834},{"word":"best","start":1699.32,"end":1699.5599,"confidence":0.9921875,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.2673080563545227},{"word":"structures","start":1699.5599,"end":1699.96,"confidence":0.99609375,"punctuated_word":"structures","sentiment":"positive","sentiment_score":0.34180739521980286},{"word":"for","start":1699.96,"end":1700.12,"confidence":0.9951172,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.33863696455955505},{"word":"you","start":1700.12,"end":1700.28,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3631151616573334},{"word":"guys","start":1700.28,"end":1700.52,"confidence":0.8334961,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":0.2887096405029297},{"word":"whether","start":1700.52,"end":1700.84,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.21176645159721377},{"word":"it's","start":1700.84,"end":1701.16,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.22750139236450195},{"word":"your","start":1701.16,"end":1701.4,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22672615945339203},{"word":"own","start":1701.4,"end":1701.64,"confidence":0.99902344,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.24445128440856936},{"word":"home","start":1701.64,"end":1701.88,"confidence":0.9951172,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.17485859990119934},{"word":"or","start":1701.88,"end":1702.04,"confidence":0.97802734,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.26542919874191284},{"word":"an","start":1702.04,"end":1702.2,"confidence":0.97802734,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.24546730518341064},{"word":"investment","start":1702.2,"end":1702.7,"confidence":0.9650879,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.23561817407608032},{"word":"we've","start":1703.16,"end":1703.48,"confidence":1.0,"punctuated_word":"We've","sentiment":"positive","sentiment_score":0.4328870475292206},{"word":"got","start":1703.48,"end":1703.72,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.4167592525482178},{"word":"the","start":1703.72,"end":1703.88,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4850686490535736},{"word":"professional","start":1703.88,"end":1704.38,"confidence":0.9980469,"punctuated_word":"professional","sentiment":"positive","sentiment_score":0.33613449335098267},{"word":"network","start":1704.44,"end":1704.84,"confidence":1.0,"punctuated_word":"network","sentiment":"positive","sentiment_score":0.4407501220703125},{"word":"available","start":1704.84,"end":1705.34,"confidence":1.0,"punctuated_word":"available","sentiment":"positive","sentiment_score":0.3698224723339081},{"word":"for","start":1705.4,"end":1705.5599,"confidence":0.8364258,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4371020793914795},{"word":"you","start":1705.5599,"end":1705.72,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.45548826456069946},{"word":"guys","start":1705.72,"end":1706.22,"confidence":0.9951172,"punctuated_word":"guys.","sentiment":"positive","sentiment_score":0.3561181426048279},{"word":"just","start":1709.24,"end":1709.48,"confidence":0.7685547,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.009619034826755524},{"word":"to","start":1709.48,"end":1709.64,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03537609428167343},{"word":"kind","start":1709.64,"end":1709.7999,"confidence":0.96533203,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.05528703331947327},{"word":"of","start":1709.7999,"end":1709.96,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.043917618691921234},{"word":"cycle","start":1709.96,"end":1710.28,"confidence":0.875,"punctuated_word":"cycle","sentiment":"neutral","sentiment_score":-0.046355389058589935},{"word":"back","start":1710.28,"end":1710.44,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.04429203271865845},{"word":"to","start":1710.44,"end":1710.6,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08761994540691376},{"word":"the","start":1710.6,"end":1710.76,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08854226022958755},{"word":"start","start":1710.76,"end":1711.0,"confidence":0.9980469,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.02216477692127228},{"word":"of","start":1711.0,"end":1711.08,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04957745969295502},{"word":"the","start":1711.08,"end":1711.24,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04033614695072174},{"word":"conversation","start":1711.24,"end":1711.74,"confidence":0.9577637,"punctuated_word":"conversation,","sentiment":"neutral","sentiment_score":-0.03674634173512459},{"word":"i","start":1711.96,"end":1712.2,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3015155494213104},{"word":"don't","start":1712.2,"end":1712.44,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2860512137413025},{"word":"think","start":1712.44,"end":1712.6799,"confidence":1.0,"punctuated_word":"think","sentiment":"negative","sentiment_score":-0.3615897595882416},{"word":"you","start":1712.6799,"end":1712.84,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.36552807688713074},{"word":"should","start":1712.84,"end":1713.08,"confidence":1.0,"punctuated_word":"should","sentiment":"negative","sentiment_score":-0.3890885412693024},{"word":"put","start":1713.08,"end":1713.24,"confidence":1.0,"punctuated_word":"put","sentiment":"negative","sentiment_score":-0.4894121587276459},{"word":"yourself","start":1713.24,"end":1713.64,"confidence":0.99902344,"punctuated_word":"yourself","sentiment":"negative","sentiment_score":-0.4431413412094116},{"word":"through","start":1713.64,"end":1713.7999,"confidence":0.9980469,"punctuated_word":"through","sentiment":"negative","sentiment_score":-0.4483989477157593},{"word":"the","start":1713.7999,"end":1714.005,"confidence":0.99609375,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.35285645723342896},{"word":"stress","start":1714.085,"end":1714.585,"confidence":1.0,"punctuated_word":"stress","sentiment":"negative","sentiment_score":-0.3350766897201538},{"word":"of","start":1714.965,"end":1715.125,"confidence":0.9980469,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.41080501675605774},{"word":"trying","start":1715.125,"end":1715.445,"confidence":1.0,"punctuated_word":"trying","sentiment":"negative","sentiment_score":-0.4675683379173279},{"word":"to","start":1715.445,"end":1715.605,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3203004002571106},{"word":"set","start":1715.605,"end":1715.765,"confidence":0.9970703,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.29669320583343506},{"word":"up","start":1715.765,"end":1715.925,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.28511616587638855},{"word":"a","start":1715.925,"end":1716.425,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3031903803348541},{"word":"a","start":1716.5651,"end":1716.645,"confidence":0.8852539,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3304341435432434},{"word":"super","start":1716.645,"end":1716.965,"confidence":0.9140625,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.14038509130477905},{"word":"fund","start":1716.965,"end":1717.285,"confidence":0.8964844,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.08068832010030746},{"word":"to","start":1717.285,"end":1717.445,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14215268194675446},{"word":"buy","start":1717.445,"end":1717.605,"confidence":1.0,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.06043970584869385},{"word":"a","start":1717.605,"end":1717.765,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08671863377094269},{"word":"property","start":1717.765,"end":1718.245,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.040804676711559296},{"word":"right","start":1718.245,"end":1718.405,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.22924847900867465},{"word":"now","start":1718.405,"end":1718.905,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.16700172424316406},{"word":"because","start":1719.365,"end":1719.865,"confidence":0.6669922,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.26944026350975037},{"word":"it's","start":1720.725,"end":1720.965,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.3479740023612976},{"word":"stressful","start":1720.965,"end":1721.465,"confidence":0.99902344,"punctuated_word":"stressful","sentiment":"neutral","sentiment_score":-0.30698883533477783},{"word":"enough","start":1721.525,"end":1721.845,"confidence":0.9980469,"punctuated_word":"enough","sentiment":"negative","sentiment_score":-0.4096100926399231},{"word":"normally","start":1721.845,"end":1722.345,"confidence":0.8937988,"punctuated_word":"normally,","sentiment":"neutral","sentiment_score":-0.32366448640823364},{"word":"and","start":1722.485,"end":1722.645,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.301213800907135},{"word":"i've","start":1722.645,"end":1722.805,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.27080291509628296},{"word":"been","start":1722.805,"end":1722.965,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.2240637242794037},{"word":"doing","start":1722.965,"end":1723.285,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.24232584238052368},{"word":"it","start":1723.285,"end":1723.445,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1628374457359314},{"word":"for","start":1723.445,"end":1723.605,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.16902731359004974},{"word":"twelve","start":1723.605,"end":1723.925,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.21109434962272644},{"word":"years","start":1723.925,"end":1724.165,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.12704071402549744},{"word":"now","start":1724.165,"end":1724.665,"confidence":0.951416,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.23876170814037323},{"word":"smsfs","start":1725.045,"end":1725.545,"confidence":0.9489746,"punctuated_word":"SMSFs","sentiment":"negative","sentiment_score":-0.44085693359375},{"word":"are","start":1725.765,"end":1725.925,"confidence":0.9970703,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.4959380626678467},{"word":"quite","start":1725.925,"end":1726.165,"confidence":1.0,"punctuated_word":"quite","sentiment":"negative","sentiment_score":-0.4965485632419586},{"word":"stressful","start":1726.165,"end":1726.645,"confidence":0.99902344,"punctuated_word":"stressful","sentiment":"negative","sentiment_score":-0.4060201644897461},{"word":"to","start":1726.645,"end":1727.045,"confidence":0.9970703,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4263661801815033},{"word":"to","start":1727.045,"end":1727.205,"confidence":0.7729492,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4994639754295349},{"word":"set","start":1727.205,"end":1727.445,"confidence":0.98535156,"punctuated_word":"set","sentiment":"negative","sentiment_score":-0.4495357275009155},{"word":"up","start":1727.445,"end":1727.605,"confidence":0.99902344,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.4361902475357056},{"word":"and","start":1727.605,"end":1727.925,"confidence":0.99902344,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4283303916454315},{"word":"also","start":1727.925,"end":1728.325,"confidence":0.9941406,"punctuated_word":"also","sentiment":"negative","sentiment_score":-0.41888001561164856},{"word":"run","start":1728.325,"end":1728.825,"confidence":0.85839844,"punctuated_word":"run.","sentiment":"neutral","sentiment_score":-0.3108471930027008},{"word":"and","start":1729.18,"end":1729.5,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.18552438914775848},{"word":"this","start":1729.5,"end":1730.0,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.19579175114631653},{"word":"cutoff","start":1730.38,"end":1730.78,"confidence":0.5126953,"punctuated_word":"cutoff","sentiment":"neutral","sentiment_score":-0.24730315804481504},{"word":"period","start":1730.78,"end":1731.28,"confidence":0.99902344,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.1738605946302414},{"word":"where","start":1731.34,"end":1731.66,"confidence":0.7363281,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.15565592050552368},{"word":"if","start":1731.66,"end":1731.8201,"confidence":0.9394531,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.19111287593841553},{"word":"we","start":1731.8201,"end":1731.98,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.18399648368358612},{"word":"start","start":1731.98,"end":1732.3,"confidence":0.99902344,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.15953034162521362},{"word":"on","start":1732.3,"end":1732.46,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.14622782170772552},{"word":"monday","start":1732.46,"end":1732.7001,"confidence":0.9667969,"punctuated_word":"Monday,","sentiment":"neutral","sentiment_score":-0.16528262197971344},{"word":"we've","start":1732.7001,"end":1732.9401,"confidence":0.9970703,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.18513602018356323},{"word":"got","start":1732.9401,"end":1733.18,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.24737027287483215},{"word":"thirty","start":1733.18,"end":1733.42,"confidence":0.99902344,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.1722908467054367},{"word":"nine","start":1733.42,"end":1733.74,"confidence":1.0,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":-0.16518324613571167},{"word":"days","start":1733.74,"end":1734.24,"confidence":0.80322266,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":-0.1919301152229309},{"word":"i've","start":1734.78,"end":1735.02,"confidence":0.99609375,"punctuated_word":"I've","sentiment":"negative","sentiment_score":-0.33806368708610535},{"word":"never","start":1735.02,"end":1735.26,"confidence":1.0,"punctuated_word":"never","sentiment":"negative","sentiment_score":-0.34373950958251953},{"word":"seen","start":1735.26,"end":1735.5,"confidence":0.99902344,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.3136785328388214},{"word":"anything","start":1735.5,"end":1735.8201,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.29384395480155945},{"word":"like","start":1735.8201,"end":1735.98,"confidence":1.0,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.3625425398349762},{"word":"it","start":1735.98,"end":1736.14,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.27112191915512085},{"word":"before","start":1736.14,"end":1736.64,"confidence":0.99853516,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":-0.26902857422828674},{"word":"so","start":1739.5801,"end":1739.98,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.14149527251720428},{"word":"i'm","start":1739.98,"end":1740.22,"confidence":0.99609375,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.02741744928061962},{"word":"at","start":1740.22,"end":1740.38,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10539273917675018},{"word":"that","start":1740.38,"end":1740.54,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03585796803236008},{"word":"point","start":1740.54,"end":1740.86,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.034417733550071716},{"word":"where","start":1740.86,"end":1741.36,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.06700790673494339},{"word":"i","start":1741.995,"end":1742.155,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07063949853181839},{"word":"would","start":1742.155,"end":1742.235,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.03715447336435318},{"word":"love","start":1742.235,"end":1742.475,"confidence":1.0,"punctuated_word":"love","sentiment":"neutral","sentiment_score":0.02107962965965271},{"word":"to","start":1742.475,"end":1742.555,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.026743203401565552},{"word":"say","start":1742.555,"end":1742.795,"confidence":0.99316406,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.005810201168060303},{"word":"yeah","start":1742.795,"end":1742.955,"confidence":0.7373047,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.010033782571554184},{"word":"we'll","start":1742.955,"end":1743.195,"confidence":0.96850586,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":-0.06521948426961899},{"word":"charge","start":1743.195,"end":1743.435,"confidence":0.97998047,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":0.02705058455467224},{"word":"you","start":1743.435,"end":1743.515,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11367718875408173},{"word":"some","start":1743.515,"end":1743.675,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.08484240621328354},{"word":"money","start":1743.675,"end":1743.835,"confidence":0.7792969,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":-0.04640650004148483},{"word":"and","start":1743.835,"end":1743.995,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.004505768418312073},{"word":"we'll","start":1743.995,"end":1744.155,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.0425245389342308},{"word":"set","start":1744.155,"end":1744.3151,"confidence":0.9838867,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.06093671917915344},{"word":"this","start":1744.3151,"end":1744.395,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.06360112875699997},{"word":"up","start":1744.395,"end":1744.555,"confidence":0.79711914,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.038964591920375824},{"word":"and","start":1744.555,"end":1744.715,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.038971662521362305},{"word":"i'll","start":1744.715,"end":1744.875,"confidence":0.9421387,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.02301908098161221},{"word":"promise","start":1744.875,"end":1745.115,"confidence":0.9902344,"punctuated_word":"promise","sentiment":"neutral","sentiment_score":-0.014738649129867554},{"word":"you","start":1745.115,"end":1745.195,"confidence":0.9277344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05973996222019195},{"word":"everything","start":1745.195,"end":1745.515,"confidence":0.5932617,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.040202170610427856},{"word":"under","start":1745.515,"end":1745.755,"confidence":0.9921875,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.07659811526536942},{"word":"the","start":1745.755,"end":1745.835,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01870223879814148},{"word":"sun","start":1745.835,"end":1746.3151,"confidence":0.98291016,"punctuated_word":"sun.","sentiment":"neutral","sentiment_score":0.009416908025741575},{"word":"but","start":1746.3151,"end":1746.555,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.07782939821481705},{"word":"for","start":1746.555,"end":1746.715,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.16317342221736908},{"word":"everything","start":1746.715,"end":1747.035,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.052986107766628265},{"word":"to","start":1747.035,"end":1747.195,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06530775129795074},{"word":"line","start":1747.195,"end":1747.435,"confidence":0.9941406,"punctuated_word":"line","sentiment":"neutral","sentiment_score":-0.04619479924440384},{"word":"up","start":1747.435,"end":1747.675,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0021911337971687317},{"word":"between","start":1747.675,"end":1747.995,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.018766634166240692},{"word":"the","start":1747.995,"end":1748.155,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.025636114180088043},{"word":"broker","start":1748.155,"end":1748.555,"confidence":0.99365234,"punctuated_word":"broker,","sentiment":"neutral","sentiment_score":-0.02510293200612068},{"word":"the","start":1748.555,"end":1748.715,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004049725830554962},{"word":"accountants","start":1748.715,"end":1749.195,"confidence":0.8125,"punctuated_word":"accountants,","sentiment":"neutral","sentiment_score":-0.02784813940525055},{"word":"the","start":1749.195,"end":1749.355,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02812054753303528},{"word":"banks","start":1749.355,"end":1749.755,"confidence":0.875,"punctuated_word":"banks,","sentiment":"neutral","sentiment_score":-0.03283359110355377},{"word":"the","start":1749.755,"end":1749.915,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08055902272462845},{"word":"advisers","start":1749.915,"end":1750.415,"confidence":0.7993164,"punctuated_word":"advisers,","sentiment":"neutral","sentiment_score":-0.08548297733068466},{"word":"the","start":1750.475,"end":1750.715,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11231759190559389},{"word":"application","start":1750.715,"end":1751.215,"confidence":0.7609863,"punctuated_word":"application,","sentiment":"neutral","sentiment_score":-0.10521076619625092},{"word":"the","start":1751.435,"end":1751.675,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2002577781677246},{"word":"accounts","start":1751.675,"end":1752.175,"confidence":0.9785156,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":-0.21506895124912265},{"word":"something's","start":1752.795,"end":1753.195,"confidence":0.90625,"punctuated_word":"something's","sentiment":"negative","sentiment_score":-0.4541327655315399},{"word":"gonna","start":1753.195,"end":1753.515,"confidence":0.7758789,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.4677692651748657},{"word":"go","start":1753.515,"end":1753.675,"confidence":0.9980469,"punctuated_word":"go","sentiment":"negative","sentiment_score":-0.4062633514404297},{"word":"wrong","start":1753.675,"end":1753.835,"confidence":0.8251953,"punctuated_word":"wrong.","sentiment":"negative","sentiment_score":-0.4127681851387024},{"word":"something's","start":1753.835,"end":1754.235,"confidence":0.99121094,"punctuated_word":"Something's","sentiment":"negative","sentiment_score":-0.4208854138851166},{"word":"gonna","start":1754.235,"end":1754.475,"confidence":0.96533203,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.4635899066925049},{"word":"delay","start":1754.475,"end":1754.715,"confidence":0.9921875,"punctuated_word":"delay","sentiment":"negative","sentiment_score":-0.43155327439308167},{"word":"it","start":1754.715,"end":1754.795,"confidence":0.9892578,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.46199893951416016},{"word":"for","start":1754.795,"end":1754.955,"confidence":0.99609375,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.4853088557720184},{"word":"a","start":1754.955,"end":1755.035,"confidence":0.9770508,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4802725315093994},{"word":"week","start":1755.035,"end":1755.195,"confidence":0.99658203,"punctuated_word":"week.","sentiment":"negative","sentiment_score":-0.432898461818695},{"word":"it","start":1755.195,"end":1755.275,"confidence":0.9970703,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.2743143141269684},{"word":"happens","start":1755.275,"end":1755.675,"confidence":0.99609375,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.30244696140289307},{"word":"every","start":1755.675,"end":1755.915,"confidence":0.9248047,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.23937302827835083},{"word":"day","start":1755.915,"end":1756.26,"confidence":0.99853516,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":-0.28080129623413086},{"word":"you","start":1758.5,"end":1758.74,"confidence":0.94189453,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.11863462626934052},{"word":"know","start":1758.74,"end":1758.8201,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.13119655847549438},{"word":"what","start":1758.8201,"end":1758.98,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.1189800426363945},{"word":"i","start":1758.98,"end":1759.06,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09287841618061066},{"word":"mean","start":1759.06,"end":1759.56,"confidence":1.0,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":-0.08195660263299942},{"word":"yeah","start":1761.7,"end":1762.2,"confidence":0.91259766,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.045791398733854294},{"word":"so","start":1762.26,"end":1762.76,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0009467750787734984},{"word":"if","start":1763.06,"end":1763.3,"confidence":0.9921875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05350714176893234},{"word":"you're","start":1763.3,"end":1763.46,"confidence":0.9921875,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07316460460424423},{"word":"comfortable","start":1763.46,"end":1763.9401,"confidence":0.8852539,"punctuated_word":"comfortable,","sentiment":"neutral","sentiment_score":0.07185911387205124},{"word":"i","start":1763.9401,"end":1764.34,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1123466044664383},{"word":"i","start":1764.34,"end":1764.5,"confidence":0.66259766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07744072377681732},{"word":"wish","start":1764.5,"end":1764.66,"confidence":0.9038086,"punctuated_word":"wish","sentiment":"neutral","sentiment_score":0.163836270570755},{"word":"i","start":1764.66,"end":1764.8201,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1303783506155014},{"word":"could","start":1764.8201,"end":1764.9,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.19770009815692904},{"word":"just","start":1764.9,"end":1765.06,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1833474189043045},{"word":"hop","start":1765.06,"end":1765.3,"confidence":0.9980469,"punctuated_word":"hop","sentiment":"neutral","sentiment_score":0.2494305968284607},{"word":"on","start":1765.3,"end":1765.46,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1403974890708923},{"word":"this","start":1765.46,"end":1765.62,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10439467430114746},{"word":"call","start":1765.62,"end":1765.78,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.11110994219779968},{"word":"and","start":1765.78,"end":1765.9401,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16876578330993652},{"word":"just","start":1765.9401,"end":1766.18,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23492658138275144},{"word":"give","start":1766.18,"end":1766.42,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1998884081840515},{"word":"you","start":1766.42,"end":1766.66,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2400589883327484},{"word":"quick","start":1766.66,"end":1766.9,"confidence":0.85839844,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.23197001218795776},{"word":"easy","start":1766.9,"end":1767.14,"confidence":0.7451172,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":0.2918345332145691},{"word":"answers","start":1767.14,"end":1767.46,"confidence":0.9951172,"punctuated_word":"answers","sentiment":"neutral","sentiment_score":0.19948649406433103},{"word":"and","start":1767.46,"end":1767.54,"confidence":0.8989258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23127928376197815},{"word":"be","start":1767.54,"end":1767.7,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3562031388282776},{"word":"like","start":1767.7,"end":1767.86,"confidence":0.96313477,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.17587199807167053},{"word":"yep","start":1767.86,"end":1768.1,"confidence":0.883138,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.18378955125808716},{"word":"you're","start":1768.1,"end":1768.26,"confidence":0.9951172,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.19424188137054443},{"word":"gonna","start":1768.26,"end":1768.5,"confidence":0.9863281,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.17940276861190796},{"word":"have","start":1768.5,"end":1768.845,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.360774040222168},{"word":"a","start":1768.9249,"end":1769.085,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3116002082824707},{"word":"property","start":1769.085,"end":1769.325,"confidence":0.99902344,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.2285217642784119},{"word":"in","start":1769.325,"end":1769.485,"confidence":0.72558594,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3233624994754791},{"word":"your","start":1769.485,"end":1769.8049,"confidence":0.9951172,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3735172748565674},{"word":"super","start":1769.8049,"end":1770.0449,"confidence":0.5473633,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2986565828323364},{"word":"tomorrow","start":1770.0449,"end":1770.5449,"confidence":0.99902344,"punctuated_word":"tomorrow","sentiment":"positive","sentiment_score":0.3599720597267151},{"word":"and","start":1770.6849,"end":1770.845,"confidence":0.96972656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2293877899646759},{"word":"another","start":1770.845,"end":1771.1649,"confidence":1.0,"punctuated_word":"another","sentiment":"positive","sentiment_score":0.34591296315193176},{"word":"one","start":1771.1649,"end":1771.325,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.18970227241516113},{"word":"to","start":1771.325,"end":1771.485,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21817313134670255},{"word":"live","start":1771.485,"end":1771.645,"confidence":0.99609375,"punctuated_word":"live","sentiment":"neutral","sentiment_score":0.2713971436023712},{"word":"in","start":1771.645,"end":1771.965,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2424767017364502},{"word":"a","start":1771.965,"end":1772.0449,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21071487665176392},{"word":"year","start":1772.0449,"end":1772.365,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.19206398725509644},{"word":"later","start":1772.365,"end":1772.865,"confidence":0.8664551,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":-0.059724558144807816},{"word":"we","start":1773.325,"end":1773.565,"confidence":0.9980469,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.19155846536159515},{"word":"have","start":1773.565,"end":1773.8049,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2278182953596115},{"word":"to","start":1773.8049,"end":1773.885,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1983983963727951},{"word":"go","start":1773.885,"end":1774.205,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.22367358207702637},{"word":"through","start":1774.205,"end":1774.525,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.14284047484397888},{"word":"this","start":1774.525,"end":1775.025,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.15630951523780823},{"word":"sort","start":1776.0449,"end":1776.2849,"confidence":0.9760742,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.21572595834732056},{"word":"of","start":1776.2849,"end":1776.6849,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3043491244316101},{"word":"slow","start":1776.6849,"end":1777.1849,"confidence":0.98291016,"punctuated_word":"slow","sentiment":"neutral","sentiment_score":-0.2806847095489502},{"word":"twelve","start":1777.245,"end":1777.645,"confidence":0.9902344,"punctuated_word":"twelve","sentiment":"negative","sentiment_score":-0.4047117233276367},{"word":"to","start":1777.645,"end":1777.885,"confidence":0.99121094,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3502376675605774},{"word":"twenty","start":1777.885,"end":1778.2849,"confidence":1.0,"punctuated_word":"twenty","sentiment":"negative","sentiment_score":-0.3643384873867035},{"word":"four","start":1778.2849,"end":1778.525,"confidence":0.99902344,"punctuated_word":"four","sentiment":"negative","sentiment_score":-0.3547651767730713},{"word":"month","start":1778.525,"end":1778.845,"confidence":0.9921875,"punctuated_word":"month","sentiment":"neutral","sentiment_score":-0.21508486568927765},{"word":"period","start":1778.845,"end":1779.345,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.21783864498138428},{"word":"of","start":1779.725,"end":1779.965,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.30370017886161804},{"word":"either","start":1779.965,"end":1780.2849,"confidence":1.0,"punctuated_word":"either","sentiment":"negative","sentiment_score":-0.3764086365699768},{"word":"being","start":1780.2849,"end":1780.525,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.3207087218761444},{"word":"very","start":1780.525,"end":1780.845,"confidence":0.9658203,"punctuated_word":"very,","sentiment":"negative","sentiment_score":-0.3430177867412567},{"word":"very","start":1780.845,"end":1781.085,"confidence":1.0,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.37382519245147705},{"word":"deliberate","start":1781.085,"end":1781.585,"confidence":1.0,"punctuated_word":"deliberate","sentiment":"negative","sentiment_score":-0.40732675790786743},{"word":"about","start":1781.645,"end":1781.885,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.31926989555358887},{"word":"what","start":1781.885,"end":1782.0449,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.29634010791778564},{"word":"we","start":1782.0449,"end":1782.205,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.3038442134857178},{"word":"do","start":1782.205,"end":1782.365,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.24239300191402435},{"word":"with","start":1782.365,"end":1782.525,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1819653362035751},{"word":"every","start":1782.525,"end":1782.765,"confidence":0.9819336,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.17511971294879913},{"word":"dollar","start":1782.765,"end":1783.265,"confidence":1.0,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":-0.09600309282541276},{"word":"or","start":1783.63,"end":1783.87,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2254142165184021},{"word":"just","start":1783.87,"end":1783.95,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2897309958934784},{"word":"waiting","start":1783.95,"end":1784.35,"confidence":0.99902344,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":-0.26259151101112366},{"word":"for","start":1784.35,"end":1784.51,"confidence":0.97509766,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.3454674482345581},{"word":"things","start":1784.51,"end":1784.75,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.223577544093132},{"word":"to","start":1784.75,"end":1784.9099,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3046683073043823},{"word":"kind","start":1784.9099,"end":1785.15,"confidence":0.9892578,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.27696433663368225},{"word":"of","start":1785.15,"end":1785.23,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3417651355266571},{"word":"ease","start":1785.23,"end":1785.47,"confidence":0.99316406,"punctuated_word":"ease","sentiment":"neutral","sentiment_score":-0.2750703692436218},{"word":"up","start":1785.47,"end":1785.71,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.2753586769104004},{"word":"a","start":1785.71,"end":1785.7899,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3316289782524109},{"word":"little","start":1785.7899,"end":1785.95,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.183221235871315},{"word":"bit","start":1785.95,"end":1786.45,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.23644107580184937},{"word":"when","start":1786.75,"end":1786.99,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.24934855103492737},{"word":"the","start":1786.99,"end":1787.23,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24737204611301425},{"word":"economy","start":1787.23,"end":1787.71,"confidence":1.0,"punctuated_word":"economy","sentiment":"neutral","sentiment_score":-0.11965110898017885},{"word":"comes","start":1787.71,"end":1788.03,"confidence":0.8720703,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.263450026512146},{"word":"down","start":1788.03,"end":1788.53,"confidence":0.96972656,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.1874879002571106},{"word":"k","start":1789.63,"end":1790.13,"confidence":0.73583984,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":-0.011204607784748076},{"word":"would","start":1790.35,"end":1790.59,"confidence":0.9951172,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.11786320805549622},{"word":"you","start":1790.59,"end":1790.75,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1977054178714752},{"word":"guys","start":1790.75,"end":1790.99,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.116401806473732},{"word":"like","start":1790.99,"end":1791.15,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.18721428513526917},{"word":"me","start":1791.15,"end":1791.3099,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.24975702166557312},{"word":"to","start":1791.3099,"end":1791.39,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.210524782538414},{"word":"send","start":1791.39,"end":1791.63,"confidence":0.9951172,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.18649673461914065},{"word":"through","start":1791.63,"end":1791.75,"confidence":0.9589844,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12587970495224},{"word":"a","start":1791.75,"end":1791.87,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17905879020690918},{"word":"bit","start":1791.87,"end":1792.03,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1756567806005478},{"word":"of","start":1792.03,"end":1792.19,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16501042246818542},{"word":"a","start":1792.19,"end":1792.27,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15232476592063904},{"word":"budget","start":1792.27,"end":1792.6699,"confidence":1.0,"punctuated_word":"budget","sentiment":"neutral","sentiment_score":0.14397358894348145},{"word":"planner","start":1792.6699,"end":1793.1699,"confidence":0.7883301,"punctuated_word":"planner,","sentiment":"neutral","sentiment_score":0.15750154852867126},{"word":"get","start":1793.3099,"end":1793.5499,"confidence":0.99609375,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.21315324306488037},{"word":"dana","start":1793.5499,"end":1793.95,"confidence":0.96533203,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.21973781287670135},{"word":"to","start":1793.95,"end":1794.11,"confidence":0.9790039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19672581553459167},{"word":"kind","start":1794.11,"end":1794.27,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1253291219472885},{"word":"of","start":1794.27,"end":1794.77,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2179100513458252},{"word":"break","start":1795.3099,"end":1795.5499,"confidence":0.99902344,"punctuated_word":"break","sentiment":"neutral","sentiment_score":0.24162474274635315},{"word":"it","start":1795.5499,"end":1795.71,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20905861258506775},{"word":"down","start":1795.71,"end":1795.95,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.23769207298755649},{"word":"with","start":1795.95,"end":1796.11,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.23395398259162903},{"word":"you","start":1796.11,"end":1796.35,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22980830073356628},{"word":"and","start":1796.35,"end":1796.51,"confidence":0.8330078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20745888352394104},{"word":"kind","start":1796.51,"end":1796.83,"confidence":0.9707031,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.21463799476623535},{"word":"of","start":1796.83,"end":1796.9099,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22848939895629883},{"word":"see","start":1796.9099,"end":1797.4099,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.18789412081241608},{"word":"if","start":1797.5449,"end":1797.625,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.20159488916397095},{"word":"we","start":1797.625,"end":1797.865,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2051110863685608},{"word":"can","start":1797.865,"end":1797.945,"confidence":0.9716797,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2513262629508972},{"word":"notice","start":1797.945,"end":1798.345,"confidence":0.9980469,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.28262898325920105},{"word":"anything","start":1798.345,"end":1798.6649,"confidence":0.86035156,"punctuated_word":"anything,","sentiment":"neutral","sentiment_score":0.20546139776706696},{"word":"or","start":1798.6649,"end":1798.825,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.15127649903297424},{"word":"do","start":1798.825,"end":1798.905,"confidence":0.9863281,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10587012767791748},{"word":"you","start":1798.905,"end":1798.985,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20167094469070437},{"word":"feel","start":1798.985,"end":1799.225,"confidence":0.9980469,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.07860253751277924},{"word":"pretty","start":1799.225,"end":1799.465,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.20421499013900757},{"word":"confident","start":1799.465,"end":1799.945,"confidence":0.93603516,"punctuated_word":"confident","sentiment":"neutral","sentiment_score":0.019806042313575745},{"word":"with","start":1799.945,"end":1800.105,"confidence":0.9941406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08323349058628082},{"word":"your","start":1800.105,"end":1800.265,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1295011043548584},{"word":"own","start":1800.265,"end":1800.745,"confidence":0.9980469,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.11157304048538208},{"word":"cash","start":1800.745,"end":1800.985,"confidence":0.9980469,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.13071031868457794},{"word":"flow","start":1800.985,"end":1801.485,"confidence":0.97216797,"punctuated_word":"flow?","sentiment":"neutral","sentiment_score":0.20825697481632233},{"word":"yeah","start":1868.5599,"end":1869.0599,"confidence":0.9394531,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.18908466398715973},{"word":"yeah","start":1875.375,"end":1875.875,"confidence":0.92944336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06811699271202087},{"word":"and","start":1876.095,"end":1876.4149,"confidence":0.90722656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03207215666770935},{"word":"look","start":1876.4149,"end":1876.815,"confidence":0.6274414,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.03265229985117912},{"word":"i've","start":1876.815,"end":1877.135,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.047129422426223755},{"word":"got","start":1877.135,"end":1877.375,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04277348518371582},{"word":"these","start":1877.375,"end":1877.5349,"confidence":0.9941406,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.07708758860826492},{"word":"clients","start":1877.5349,"end":1877.9349,"confidence":0.9951172,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.07627581059932709},{"word":"at","start":1877.9349,"end":1878.095,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.021260008215904236},{"word":"the","start":1878.095,"end":1878.1749,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0622415617108345},{"word":"moment","start":1878.1749,"end":1878.575,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.09365563094615936},{"word":"who","start":1878.575,"end":1878.735,"confidence":0.9902344,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.1650881469249725},{"word":"are","start":1878.735,"end":1878.975,"confidence":0.9448242,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1047527864575386},{"word":"exactly","start":1878.975,"end":1879.375,"confidence":0.99902344,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.15172460675239563},{"word":"like","start":1879.375,"end":1879.5349,"confidence":0.9951172,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.113516665995121},{"word":"you","start":1879.5349,"end":1879.695,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03423936665058136},{"word":"guys","start":1879.695,"end":1880.015,"confidence":0.9970703,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.06568069756031036},{"word":"in","start":1880.015,"end":1880.135,"confidence":0.82177734,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1120300218462944},{"word":"a","start":1880.135,"end":1880.255,"confidence":0.9472656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.136090487241745},{"word":"similar","start":1880.255,"end":1880.735,"confidence":0.9941406,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.1097044050693512},{"word":"position","start":1880.735,"end":1881.235,"confidence":0.7414551,"punctuated_word":"position.","sentiment":"neutral","sentiment_score":0.08193202316761017},{"word":"and","start":1881.5349,"end":1881.9349,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06404714286327362},{"word":"i've","start":1881.9349,"end":1882.1749,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.05748927593231201},{"word":"already","start":1882.1749,"end":1882.4149,"confidence":0.99902344,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.08134596794843674},{"word":"been","start":1882.4149,"end":1882.6549,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.06978633999824524},{"word":"on","start":1882.6549,"end":1882.735,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06468386948108673},{"word":"the","start":1882.735,"end":1882.8949,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05643313378095627},{"word":"phone","start":1882.8949,"end":1883.3949,"confidence":1.0,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.06657744944095612},{"word":"three","start":1883.455,"end":1883.7749,"confidence":0.99902344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.08636507391929626},{"word":"times","start":1883.7749,"end":1884.1749,"confidence":0.99902344,"punctuated_word":"times","sentiment":"neutral","sentiment_score":0.0754711702466011},{"word":"today","start":1884.1749,"end":1884.6749,"confidence":0.9980469,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.12038770318031312},{"word":"to","start":1884.735,"end":1885.235,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08252587169408798},{"word":"a","start":1885.455,"end":1885.695,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0949406623840332},{"word":"buyer's","start":1885.695,"end":1886.015,"confidence":0.9562988,"punctuated_word":"buyer's","sentiment":"neutral","sentiment_score":0.06273317337036133},{"word":"agent","start":1886.015,"end":1886.495,"confidence":0.9875488,"punctuated_word":"agent,","sentiment":"neutral","sentiment_score":0.056102454662323},{"word":"a","start":1886.495,"end":1886.6549,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08957154303789139},{"word":"broker","start":1886.6549,"end":1887.0549,"confidence":0.97143555,"punctuated_word":"broker,","sentiment":"neutral","sentiment_score":0.07673022150993347},{"word":"and","start":1887.0549,"end":1887.215,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09944121539592744},{"word":"an","start":1887.215,"end":1887.375,"confidence":0.99316406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0998777374625206},{"word":"accountant","start":1887.375,"end":1887.855,"confidence":0.89208984,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":0.12329282611608504},{"word":"for","start":1887.855,"end":1888.095,"confidence":0.93408203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10668643563985825},{"word":"them","start":1888.095,"end":1888.595,"confidence":0.7988281,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.0903243124485016},{"word":"and","start":1888.78,"end":1889.1,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.048617035150527954},{"word":"they","start":1889.1,"end":1889.26,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.0906696319580078},{"word":"have","start":1889.26,"end":1889.74,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.025598883628845215},{"word":"four","start":1889.74,"end":1890.0599,"confidence":0.9707031,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.016526617109775543},{"word":"professionals","start":1890.0599,"end":1890.5599,"confidence":0.9941406,"punctuated_word":"professionals","sentiment":"neutral","sentiment_score":0.018001802265644073},{"word":"working","start":1890.62,"end":1891.12,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.05594576895236969},{"word":"on","start":1891.42,"end":1891.58,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06236651539802551},{"word":"a","start":1891.58,"end":1891.74,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05711154639720917},{"word":"daily","start":1891.74,"end":1892.0599,"confidence":1.0,"punctuated_word":"daily","sentiment":"neutral","sentiment_score":0.08445765823125839},{"word":"basis","start":1892.0599,"end":1892.46,"confidence":1.0,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.1342047154903412},{"word":"to","start":1892.46,"end":1892.62,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06336703896522522},{"word":"try","start":1892.62,"end":1892.78,"confidence":0.99902344,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.026892051100730896},{"word":"and","start":1892.78,"end":1892.86,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06853786110877991},{"word":"get","start":1892.86,"end":1893.1,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07483476400375366},{"word":"theirs","start":1893.1,"end":1893.34,"confidence":0.91259766,"punctuated_word":"theirs","sentiment":"neutral","sentiment_score":0.06310505419969559},{"word":"done","start":1893.34,"end":1893.84,"confidence":0.92456055,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.023167666047811508},{"word":"and","start":1893.9,"end":1894.14,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.08396615087985992},{"word":"like","start":1894.14,"end":1894.22,"confidence":0.8588867,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.11296367645263672},{"word":"i","start":1894.22,"end":1894.3,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1140616461634636},{"word":"said","start":1894.3,"end":1894.62,"confidence":0.9916992,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.10138273239135742},{"word":"it's","start":1894.62,"end":1894.78,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.16332828998565674},{"word":"been","start":1894.78,"end":1894.94,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.18534384667873385},{"word":"taking","start":1894.94,"end":1895.26,"confidence":0.96972656,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.15133903920650482},{"word":"months","start":1895.26,"end":1895.76,"confidence":0.9453125,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.1184619516134262},{"word":"so","start":1896.3,"end":1896.8,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03218347579240799},{"word":"they're","start":1897.1,"end":1897.42,"confidence":0.9460449,"punctuated_word":"they're","sentiment":"negative","sentiment_score":-0.3678123354911804},{"word":"having","start":1897.42,"end":1897.66,"confidence":0.99902344,"punctuated_word":"having","sentiment":"negative","sentiment_score":-0.37343278527259827},{"word":"to","start":1897.66,"end":1897.82,"confidence":0.98095703,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3682020902633667},{"word":"put","start":1897.82,"end":1897.9,"confidence":0.99902344,"punctuated_word":"put","sentiment":"negative","sentiment_score":-0.3751969039440155},{"word":"in","start":1897.9,"end":1898.02,"confidence":0.9980469,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.39685750007629395},{"word":"a","start":1898.02,"end":1898.14,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4390942454338074},{"word":"lot","start":1898.14,"end":1898.38,"confidence":1.0,"punctuated_word":"lot","sentiment":"negative","sentiment_score":-0.38730117678642273},{"word":"of","start":1898.38,"end":1898.62,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.44700151681900024},{"word":"time","start":1898.62,"end":1899.12,"confidence":1.0,"punctuated_word":"time","sentiment":"negative","sentiment_score":-0.4169290363788605},{"word":"on","start":1899.42,"end":1899.58,"confidence":0.9951172,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.36773815751075745},{"word":"a","start":1899.58,"end":1899.74,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3705045878887177},{"word":"daily","start":1899.74,"end":1900.14,"confidence":1.0,"punctuated_word":"daily","sentiment":"negative","sentiment_score":-0.34220433235168457},{"word":"basis","start":1900.14,"end":1900.62,"confidence":1.0,"punctuated_word":"basis","sentiment":"negative","sentiment_score":-0.3597213327884674},{"word":"to","start":1900.62,"end":1900.94,"confidence":0.9863281,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.35107341408729553},{"word":"forward","start":1900.94,"end":1901.26,"confidence":0.9921875,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":-0.3256196975708008},{"word":"documents","start":1901.26,"end":1901.76,"confidence":0.99121094,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":-0.27767863869667053},{"word":"around","start":1901.82,"end":1902.22,"confidence":0.93969727,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":-0.24290788173675537},{"word":"sign","start":1902.22,"end":1902.54,"confidence":0.8769531,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.32892218232154846},{"word":"documents","start":1902.54,"end":1903.04,"confidence":0.84277344,"punctuated_word":"documents,","sentiment":"neutral","sentiment_score":-0.2649798095226288},{"word":"do","start":1903.26,"end":1903.5,"confidence":0.88134766,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.3474080264568329},{"word":"phone","start":1903.5,"end":1903.82,"confidence":0.99121094,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.25831615924835205},{"word":"calls","start":1903.82,"end":1904.32,"confidence":0.9980469,"punctuated_word":"calls,","sentiment":"neutral","sentiment_score":-0.25744324922561646},{"word":"make","start":1904.755,"end":1904.995,"confidence":0.99902344,"punctuated_word":"make","sentiment":"negative","sentiment_score":-0.406965047121048},{"word":"decisions","start":1904.995,"end":1905.475,"confidence":0.9020996,"punctuated_word":"decisions,","sentiment":"neutral","sentiment_score":-0.3086806833744049},{"word":"and","start":1905.475,"end":1905.635,"confidence":0.9790039,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3799974322319031},{"word":"it's","start":1905.635,"end":1905.955,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.5115365386009216},{"word":"been","start":1905.955,"end":1906.115,"confidence":0.9980469,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.5581105351448059},{"word":"quite","start":1906.115,"end":1906.355,"confidence":1.0,"punctuated_word":"quite","sentiment":"negative","sentiment_score":-0.5643815398216248},{"word":"an","start":1906.355,"end":1906.515,"confidence":0.9819336,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.5587592124938965},{"word":"ordeal","start":1906.515,"end":1906.835,"confidence":1.0,"punctuated_word":"ordeal","sentiment":"negative","sentiment_score":-0.5561950206756592},{"word":"for","start":1906.835,"end":1906.995,"confidence":0.99902344,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.4933190047740936},{"word":"them","start":1906.995,"end":1907.495,"confidence":0.9326172,"punctuated_word":"them","sentiment":"negative","sentiment_score":-0.5677574872970581},{"word":"despite","start":1907.955,"end":1908.455,"confidence":0.66552734,"punctuated_word":"despite","sentiment":"negative","sentiment_score":-0.46160033345222473},{"word":"our","start":1908.6749,"end":1908.995,"confidence":1.0,"punctuated_word":"our","sentiment":"negative","sentiment_score":-0.3532794713973999},{"word":"expertise","start":1908.995,"end":1909.495,"confidence":0.97802734,"punctuated_word":"expertise","sentiment":"neutral","sentiment_score":-0.26006412506103516},{"word":"in","start":1909.5549,"end":1909.715,"confidence":0.76708984,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2745472192764282},{"word":"making","start":1909.715,"end":1910.0349,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.32147184014320374},{"word":"it","start":1910.0349,"end":1910.195,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.31137871742248535},{"word":"as","start":1910.195,"end":1910.4349,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.25169774889945984},{"word":"smooth","start":1910.4349,"end":1910.755,"confidence":0.9770508,"punctuated_word":"smooth","sentiment":"neutral","sentiment_score":-0.13001979887485504},{"word":"as","start":1910.755,"end":1910.835,"confidence":0.99902344,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.34324899315834045},{"word":"possible","start":1910.835,"end":1911.335,"confidence":0.9980469,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":-0.3214874565601349},{"word":"but","start":1914.275,"end":1914.775,"confidence":0.9770508,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.04656121879816055},{"word":"one","start":1915.075,"end":1915.235,"confidence":0.88720703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.0059030987322330475},{"word":"thing","start":1915.235,"end":1915.5549,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.047885503619909286},{"word":"too","start":1915.5549,"end":1915.875,"confidence":0.9428711,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.07179269194602966},{"word":"is","start":1915.875,"end":1916.0349,"confidence":0.8852539,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06273627281188965},{"word":"like","start":1916.0349,"end":1916.5349,"confidence":0.5732422,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.04032144322991371},{"word":"yeah","start":1917.97,"end":1918.29,"confidence":0.9802246,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.14945770800113678},{"word":"you","start":1918.29,"end":1918.45,"confidence":0.9819336,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.2455604076385498},{"word":"go","start":1918.45,"end":1918.69,"confidence":0.95410156,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.3636086881160736},{"word":"for","start":1918.69,"end":1918.85,"confidence":0.8701172,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3760462999343872},{"word":"it","start":1918.85,"end":1919.35,"confidence":0.83447266,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2826410233974457},{"word":"yeah","start":1951.6,"end":1951.84,"confidence":0.8334961,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02813297882676125},{"word":"sorry","start":1951.84,"end":1952.16,"confidence":0.98950195,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.12079691886901855},{"word":"it","start":1952.16,"end":1952.24,"confidence":0.6298828,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.13715583086013794},{"word":"just","start":1952.24,"end":1952.4,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.12394411861896516},{"word":"cut","start":1952.4,"end":1952.64,"confidence":0.98828125,"punctuated_word":"cut","sentiment":"neutral","sentiment_score":-0.13021698594093323},{"word":"out","start":1952.64,"end":1952.72,"confidence":0.98291016,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.13947385549545288},{"word":"for","start":1952.72,"end":1952.96,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1536803841590881},{"word":"a","start":1952.96,"end":1953.04,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1401556432247162},{"word":"few","start":1953.04,"end":1953.2001,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.1408165693283081},{"word":"seconds","start":1953.2001,"end":1953.68,"confidence":0.99609375,"punctuated_word":"seconds","sentiment":"neutral","sentiment_score":-0.12799525260925293},{"word":"there","start":1953.68,"end":1954.18,"confidence":0.97387695,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.10565710067749023},{"word":"i","start":1957.385,"end":1957.625,"confidence":0.94140625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03800007328391075},{"word":"do","start":1957.625,"end":1957.8651,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04359012097120285},{"word":"have","start":1957.8651,"end":1958.1051,"confidence":0.6328125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04906511306762695},{"word":"you","start":1958.1051,"end":1958.185,"confidence":0.57128906,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.047195881605148315},{"word":"back","start":1958.185,"end":1958.685,"confidence":0.87597656,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":-0.03291215002536774},{"word":"no","start":1959.305,"end":1959.7051,"confidence":0.98413086,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11875855177640916},{"word":"i","start":1959.7051,"end":1959.9451,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11573975533246994},{"word":"just","start":1959.9451,"end":1960.185,"confidence":0.7998047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09592042863368988},{"word":"heard","start":1960.185,"end":1960.3451,"confidence":0.9970703,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":-0.09527937322854996},{"word":"the","start":1960.3451,"end":1960.505,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10389888286590576},{"word":"part","start":1960.505,"end":1960.7451,"confidence":0.9970703,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.07400187104940414},{"word":"where","start":1960.7451,"end":1960.9851,"confidence":0.9550781,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.08197464048862457},{"word":"you","start":1960.9851,"end":1961.145,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08258473873138428},{"word":"were","start":1961.145,"end":1961.305,"confidence":0.9902344,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.08979097753763199},{"word":"saying","start":1961.305,"end":1961.7051,"confidence":1.0,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.06749230623245239},{"word":"about","start":1961.7051,"end":1962.2051,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.07430791854858398},{"word":"if","start":1962.7451,"end":1963.0651,"confidence":0.52441406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0935887098312378},{"word":"things","start":1963.0651,"end":1963.385,"confidence":0.9873047,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.13198256492614746},{"word":"are","start":1963.385,"end":1963.4651,"confidence":0.9135742,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0823904275894165},{"word":"going","start":1963.4651,"end":1963.625,"confidence":0.2548828,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.1312754452228546},{"word":"to","start":1963.625,"end":1963.7051,"confidence":0.97265625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11370617896318436},{"word":"be","start":1963.7051,"end":1963.8651,"confidence":0.9741211,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.11889871209859848},{"word":"better","start":1963.8651,"end":1964.1051,"confidence":0.9970703,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.0935775190591812},{"word":"in","start":1964.1051,"end":1964.265,"confidence":0.5698242,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11371956020593645},{"word":"twelve","start":1964.265,"end":1964.505,"confidence":0.25073242,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.13465799391269684},{"word":"to","start":1964.505,"end":1964.665,"confidence":0.29296875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17423191666603088},{"word":"twenty","start":1964.665,"end":1964.905,"confidence":0.47973633,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.08987832814455032},{"word":"four","start":1964.905,"end":1965.0651,"confidence":0.984375,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.1380794495344162},{"word":"months","start":1965.0651,"end":1965.385,"confidence":0.9506836,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.11504242569208144},{"word":"time","start":1965.385,"end":1965.885,"confidence":0.78149414,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.13303472101688385},{"word":"can","start":1965.9451,"end":1966.185,"confidence":0.93359375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.13664297759532928},{"word":"we","start":1966.185,"end":1966.3451,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.14919066429138184},{"word":"look","start":1966.3451,"end":1966.505,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.13590079545974731},{"word":"at","start":1966.505,"end":1966.5851,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1197211891412735},{"word":"the","start":1966.5851,"end":1966.8251,"confidence":0.9667969,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1373475193977356},{"word":"super","start":1966.8251,"end":1967.145,"confidence":0.58496094,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.10761842876672743},{"word":"fan","start":1967.145,"end":1967.385,"confidence":0.3947754,"punctuated_word":"fan","sentiment":"neutral","sentiment_score":-0.09131859987974168},{"word":"and","start":1967.385,"end":1967.545,"confidence":0.56152344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19114795327186584},{"word":"then","start":1967.545,"end":1967.785,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.18446381390094757},{"word":"it","start":1967.785,"end":1967.9451,"confidence":0.984375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.24363566935062408},{"word":"kind","start":1967.9451,"end":1968.185,"confidence":0.9550781,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.29390329122543335},{"word":"of","start":1968.185,"end":1968.265,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3171289563179016},{"word":"cut","start":1968.265,"end":1968.505,"confidence":0.9892578,"punctuated_word":"cut","sentiment":"neutral","sentiment_score":-0.274087131023407},{"word":"out","start":1968.505,"end":1969.005,"confidence":0.75512695,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.1856820285320282},{"word":"yeah","start":2015.365,"end":2015.865,"confidence":0.8840332,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15956637263298035},{"word":"so","start":2016.165,"end":2016.665,"confidence":0.97509766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15966027975082395},{"word":"yeah","start":2019.9401,"end":2020.34,"confidence":0.9641113,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1400889754295349},{"word":"correct","start":2020.34,"end":2020.84,"confidence":0.9995117,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.16081714630126953},{"word":"so","start":2020.9,"end":2021.4,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11487501859664916},{"word":"a","start":2021.7,"end":2021.86,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12152477353811264},{"word":"couple","start":2021.86,"end":2022.02,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1310271918773651},{"word":"of","start":2022.02,"end":2022.18,"confidence":0.8701172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13422434031963348},{"word":"things","start":2022.18,"end":2022.5,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.16752922534942627},{"word":"i'd","start":2022.5,"end":2022.66,"confidence":0.9230957,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.096610926091671},{"word":"say","start":2022.66,"end":2022.9,"confidence":0.9921875,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.1256292164325714},{"word":"to","start":2022.9,"end":2023.14,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1118299588561058},{"word":"that","start":2023.14,"end":2023.46,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12074655294418336},{"word":"is","start":2023.46,"end":2023.96,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11170247197151184},{"word":"when","start":2024.18,"end":2024.42,"confidence":0.8701172,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.11548547446727753},{"word":"you","start":2024.42,"end":2024.58,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10878606140613556},{"word":"have","start":2024.58,"end":2024.74,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10344060510396956},{"word":"a","start":2024.74,"end":2024.82,"confidence":0.90722656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0940667986869812},{"word":"self","start":2024.82,"end":2025.06,"confidence":0.8984375,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.0945657044649124},{"word":"managed","start":2025.06,"end":2025.38,"confidence":0.43676758,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.10422634333372116},{"word":"super","start":2025.38,"end":2025.62,"confidence":0.78027344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.14444664120674133},{"word":"fund","start":2025.62,"end":2025.86,"confidence":0.9428711,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.10873442888259888},{"word":"people","start":2025.86,"end":2026.18,"confidence":0.99902344,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.09302189946174622},{"word":"do","start":2026.18,"end":2026.26,"confidence":0.984375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06813342869281769},{"word":"it","start":2026.26,"end":2026.42,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10966920852661131},{"word":"for","start":2026.42,"end":2026.58,"confidence":0.9902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06410485506057739},{"word":"different","start":2026.58,"end":2026.9,"confidence":0.9921875,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.0357053317129612},{"word":"reasons","start":2026.9,"end":2027.3,"confidence":0.935791,"punctuated_word":"reasons.","sentiment":"neutral","sentiment_score":0.04424698278307915},{"word":"some","start":2027.3,"end":2027.62,"confidence":1.0,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":0.005780261009931564},{"word":"people","start":2027.62,"end":2027.9401,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.060871053487062454},{"word":"do","start":2027.9401,"end":2028.1,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03950756788253784},{"word":"it","start":2028.1,"end":2028.26,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08095192164182663},{"word":"to","start":2028.26,"end":2028.42,"confidence":0.9604492,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05041900649666786},{"word":"borrow","start":2028.42,"end":2028.74,"confidence":0.98535156,"punctuated_word":"borrow","sentiment":"neutral","sentiment_score":0.04650211334228515},{"word":"for","start":2028.74,"end":2028.9,"confidence":0.9819336,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06200014427304268},{"word":"a","start":2028.9,"end":2029.06,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.059698931872844696},{"word":"property","start":2029.06,"end":2029.56,"confidence":0.98706055,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.05508103594183922},{"word":"some","start":2029.8049,"end":2030.0449,"confidence":1.0,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":0.021384764462709427},{"word":"people","start":2030.0449,"end":2030.205,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.07684573531150818},{"word":"just","start":2030.205,"end":2030.365,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.023812733590602875},{"word":"want","start":2030.365,"end":2030.605,"confidence":0.95410156,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.0759674608707428},{"word":"a","start":2030.605,"end":2030.765,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06991264969110489},{"word":"really","start":2030.765,"end":2031.085,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.06267320364713669},{"word":"specific","start":2031.085,"end":2031.485,"confidence":1.0,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":0.13589465618133545},{"word":"investment","start":2031.485,"end":2031.965,"confidence":0.9169922,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.05529390275478363},{"word":"like","start":2031.965,"end":2032.205,"confidence":0.84155273,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.10759735107421876},{"word":"i've","start":2032.205,"end":2032.285,"confidence":0.9902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.16259734332561493},{"word":"seen","start":2032.285,"end":2032.605,"confidence":0.9921875,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.1610557734966278},{"word":"people","start":2032.605,"end":2032.9249,"confidence":0.99902344,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.24924226105213165},{"word":"buy","start":2032.9249,"end":2033.245,"confidence":0.99609375,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.2260255515575409},{"word":"a","start":2033.245,"end":2033.325,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29017576575279236},{"word":"bunch","start":2033.325,"end":2033.565,"confidence":1.0,"punctuated_word":"bunch","sentiment":"neutral","sentiment_score":0.25662800669670105},{"word":"of","start":2033.565,"end":2033.725,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.230682909488678},{"word":"gold","start":2033.725,"end":2034.0449,"confidence":0.9892578,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.20161280035972595},{"word":"bullion","start":2034.0449,"end":2034.445,"confidence":0.87231445,"punctuated_word":"bullion","sentiment":"neutral","sentiment_score":0.27273428440093994},{"word":"and","start":2034.445,"end":2034.605,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23524437844753265},{"word":"put","start":2034.605,"end":2034.765,"confidence":0.99316406,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.23645000159740448},{"word":"it","start":2034.765,"end":2034.9249,"confidence":0.9760742,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22843654453754425},{"word":"in","start":2034.9249,"end":2035.085,"confidence":0.93408203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21008071303367615},{"word":"the","start":2035.085,"end":2035.1649,"confidence":0.4741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21861553192138672},{"word":"safe","start":2035.1649,"end":2035.6649,"confidence":0.5576172,"punctuated_word":"safe,","sentiment":"neutral","sentiment_score":0.15470772981643677},{"word":"and","start":2035.885,"end":2036.385,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1364487260580063},{"word":"creating","start":2036.6849,"end":2037.005,"confidence":0.98535156,"punctuated_word":"creating","sentiment":"neutral","sentiment_score":0.2961258292198181},{"word":"your","start":2037.005,"end":2037.1649,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.32279840111732483},{"word":"own","start":2037.1649,"end":2037.325,"confidence":0.99316406,"punctuated_word":"own","sentiment":"positive","sentiment_score":0.3743923008441925},{"word":"super","start":2037.325,"end":2037.645,"confidence":0.90722656,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.28646060824394226},{"word":"fund","start":2037.645,"end":2037.885,"confidence":0.9013672,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.2874619960784912},{"word":"allows","start":2037.885,"end":2038.205,"confidence":0.9790039,"punctuated_word":"allows","sentiment":"neutral","sentiment_score":0.2671196460723877},{"word":"you","start":2038.205,"end":2038.285,"confidence":0.9790039,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3000257909297943},{"word":"to","start":2038.285,"end":2038.445,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25120723247528076},{"word":"do","start":2038.445,"end":2038.605,"confidence":0.9921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2704547941684723},{"word":"the","start":2038.605,"end":2038.765,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29415372014045715},{"word":"unorthodox","start":2038.765,"end":2039.265,"confidence":0.9941406,"punctuated_word":"unorthodox","sentiment":"neutral","sentiment_score":0.24525074660778048},{"word":"things","start":2039.565,"end":2040.065,"confidence":0.6923828,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.33277273178100586},{"word":"outside","start":2040.525,"end":2040.9249,"confidence":0.9550781,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.3050824701786041},{"word":"of","start":2040.9249,"end":2041.085,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20125122368335724},{"word":"what","start":2041.085,"end":2041.245,"confidence":0.9921875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1806306540966034},{"word":"a","start":2041.245,"end":2041.325,"confidence":0.9550781,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16980184614658356},{"word":"regular","start":2041.325,"end":2041.725,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.14748170971870422},{"word":"fund","start":2041.725,"end":2042.125,"confidence":0.9819336,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.10598117113113403},{"word":"allows","start":2042.125,"end":2042.625,"confidence":0.99902344,"punctuated_word":"allows.","sentiment":"neutral","sentiment_score":0.17272880673408508},{"word":"the","start":2044.33,"end":2044.83,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.17277872562408447},{"word":"other","start":2045.0499,"end":2045.2899,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1796811819076538},{"word":"thing","start":2045.2899,"end":2045.53,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.18363741040229797},{"word":"is","start":2045.53,"end":2045.77,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17199258506298065},{"word":"that","start":2045.77,"end":2046.09,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1450381875038147},{"word":"your","start":2046.09,"end":2046.33,"confidence":0.9277344,"punctuated_word":"your,","sentiment":"neutral","sentiment_score":0.13226856291294098},{"word":"you","start":2046.33,"end":2046.4099,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12182989716529846},{"word":"know","start":2046.4099,"end":2046.73,"confidence":0.9975586,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1242215409874916},{"word":"your","start":2046.73,"end":2046.97,"confidence":0.9716797,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1693142205476761},{"word":"hub","start":2046.97,"end":2047.21,"confidence":0.6875,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.14376200735569},{"word":"24","start":2047.21,"end":2047.77,"confidence":0.9926758,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.15422579646110535},{"word":"and","start":2047.77,"end":2048.01,"confidence":0.9394531,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12997622787952423},{"word":"and","start":2048.01,"end":2048.25,"confidence":0.93359375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13906581699848175},{"word":"these","start":2048.25,"end":2048.57,"confidence":0.9248047,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.23758092522621155},{"word":"sorts","start":2048.57,"end":2048.89,"confidence":0.48388672,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":0.18206703662872312},{"word":"of","start":2048.89,"end":2049.13,"confidence":0.91503906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20219531655311584},{"word":"super","start":2049.13,"end":2049.53,"confidence":0.94970703,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.17289139330387115},{"word":"funds","start":2049.53,"end":2050.03,"confidence":0.82177734,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.1981239318847656},{"word":"they","start":2050.49,"end":2050.73,"confidence":0.98535156,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2279834896326065},{"word":"can","start":2050.73,"end":2050.89,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2493714988231659},{"word":"invest","start":2050.89,"end":2051.21,"confidence":0.99902344,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.16981375217437744},{"word":"you","start":2051.21,"end":2051.3699,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3141041398048401},{"word":"into","start":2051.3699,"end":2051.6099,"confidence":0.99609375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.24444927275180817},{"word":"pretty","start":2051.6099,"end":2051.8499,"confidence":0.99609375,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.31400078535079956},{"word":"much","start":2051.8499,"end":2052.17,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.28194692730903625},{"word":"any","start":2052.17,"end":2052.41,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2475215196609497},{"word":"type","start":2052.41,"end":2052.65,"confidence":0.99902344,"punctuated_word":"type","sentiment":"neutral","sentiment_score":0.14872172474861145},{"word":"of","start":2052.65,"end":2052.89,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20037689805030823},{"word":"asset","start":2052.89,"end":2053.39,"confidence":0.9133301,"punctuated_word":"asset.","sentiment":"neutral","sentiment_score":0.18711933493614197},{"word":"we've","start":2053.77,"end":2054.01,"confidence":0.9995117,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.31375619769096375},{"word":"got","start":2054.01,"end":2054.51,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3588399291038513},{"word":"property","start":2054.81,"end":2055.29,"confidence":0.99902344,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.3168046176433563},{"word":"investments","start":2055.29,"end":2055.79,"confidence":0.99609375,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.17797665297985077},{"word":"and","start":2056.17,"end":2056.41,"confidence":0.7060547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3011385500431061},{"word":"gold","start":2056.41,"end":2056.73,"confidence":0.9921875,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.33044347167015076},{"word":"and","start":2056.73,"end":2057.23,"confidence":0.96533203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32469305396080017},{"word":"shares","start":2057.475,"end":2057.715,"confidence":0.98095703,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.2628477215766907},{"word":"and","start":2057.715,"end":2058.115,"confidence":0.97509766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2684377133846283},{"word":"all","start":2058.115,"end":2058.3552,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.22641964256763455},{"word":"these","start":2058.3552,"end":2058.5952,"confidence":0.9970703,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.25654035806655884},{"word":"kinds","start":2058.5952,"end":2058.8352,"confidence":0.9707031,"punctuated_word":"kinds","sentiment":"neutral","sentiment_score":0.2772420346736908},{"word":"of","start":2058.8352,"end":2058.995,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2939363718032837},{"word":"things","start":2058.995,"end":2059.495,"confidence":0.92626953,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.25503090023994446},{"word":"so","start":2059.635,"end":2060.135,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2601831555366516},{"word":"it's","start":2060.195,"end":2060.435,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.39626893401145935},{"word":"not","start":2060.435,"end":2060.675,"confidence":1.0,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.3919038772583008},{"word":"a","start":2060.675,"end":2060.7551,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.46554750204086304},{"word":"problem","start":2060.7551,"end":2061.155,"confidence":0.99902344,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.45905083417892456},{"word":"to","start":2061.155,"end":2061.3152,"confidence":0.9921875,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5002629160881042},{"word":"actually","start":2061.3152,"end":2061.8152,"confidence":0.9921875,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.4818036556243897},{"word":"do","start":2062.435,"end":2062.7551,"confidence":0.65625,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3695567846298218},{"word":"all","start":2062.7551,"end":2062.995,"confidence":0.9448242,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.46461915969848633},{"word":"kinds","start":2062.995,"end":2063.3152,"confidence":0.9902344,"punctuated_word":"kinds","sentiment":"positive","sentiment_score":0.435430645942688},{"word":"of","start":2063.3152,"end":2063.395,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4603269100189209},{"word":"different","start":2063.395,"end":2063.7952,"confidence":0.99902344,"punctuated_word":"different","sentiment":"positive","sentiment_score":0.4049229621887207},{"word":"investments","start":2063.7952,"end":2064.195,"confidence":0.9770508,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1893240213394165},{"word":"and","start":2064.195,"end":2064.3552,"confidence":0.71777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3156202733516693},{"word":"get","start":2064.3552,"end":2064.5952,"confidence":0.9980469,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.35280367732048035},{"word":"a","start":2064.5952,"end":2064.675,"confidence":0.9902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.38229674100875854},{"word":"really","start":2064.675,"end":2064.8352,"confidence":0.99609375,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4181703329086304},{"word":"good","start":2064.8352,"end":2065.155,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.3135395348072052},{"word":"portfolio","start":2065.155,"end":2065.655,"confidence":0.9746094,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.2821669280529022},{"word":"but","start":2066.435,"end":2066.5952,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.022168144583702087},{"word":"the","start":2066.5952,"end":2066.7551,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009404398500919342},{"word":"one","start":2066.7551,"end":2066.995,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03673164546489715},{"word":"problem","start":2066.995,"end":2067.3152,"confidence":0.99902344,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":-0.17920684814453125},{"word":"that","start":2067.3152,"end":2067.475,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.20252080261707303},{"word":"you've","start":2067.475,"end":2067.7952,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.17828451097011566},{"word":"got","start":2067.7952,"end":2068.2952,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.1921457052230835},{"word":"with","start":2068.5952,"end":2068.915,"confidence":0.8730469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1989408433437347},{"word":"what","start":2068.915,"end":2069.0752,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.1808984577655792},{"word":"you","start":2069.0752,"end":2069.235,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09694962203502656},{"word":"mentioned","start":2069.235,"end":2069.735,"confidence":0.82666016,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":-0.06509431451559067},{"word":"is","start":2069.955,"end":2070.115,"confidence":0.9448242,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.15032640099525452},{"word":"let's","start":2070.115,"end":2070.3552,"confidence":0.7324219,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.0913163721561432},{"word":"say","start":2070.3552,"end":2070.5151,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.054214321076869965},{"word":"you","start":2070.5151,"end":2070.675,"confidence":0.92333984,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0868166983127594},{"word":"set","start":2070.675,"end":2070.8352,"confidence":0.96435547,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.047394171357154846},{"word":"up","start":2070.8352,"end":2070.995,"confidence":0.9550781,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.03920627012848854},{"word":"that","start":2070.995,"end":2071.155,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06729051470756531},{"word":"self","start":2071.155,"end":2071.395,"confidence":0.9819336,"punctuated_word":"self","sentiment":"neutral","sentiment_score":-0.03814016282558441},{"word":"managed","start":2071.395,"end":2071.7952,"confidence":0.90527344,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":-0.06659941375255585},{"word":"super","start":2071.7952,"end":2072.115,"confidence":0.89746094,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.012857034802436829},{"word":"fund","start":2072.115,"end":2072.615,"confidence":0.8310547,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":-0.08154716342687607},{"word":"once","start":2073.5798,"end":2073.9,"confidence":1.0,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":-0.13581660389900208},{"word":"that","start":2073.9,"end":2074.14,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14978890120983124},{"word":"cutoff","start":2074.14,"end":2074.6199,"confidence":0.8798828,"punctuated_word":"cutoff","sentiment":"neutral","sentiment_score":-0.21839389204978943},{"word":"happens","start":2074.6199,"end":2075.02,"confidence":0.99121094,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.2225794941186905},{"word":"on","start":2075.02,"end":2075.26,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.20246510207653048},{"word":"the","start":2075.26,"end":2075.3398,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.207623228430748},{"word":"august","start":2075.3398,"end":2075.83,"confidence":0.99886066,"punctuated_word":"August","sentiment":"neutral","sentiment_score":-0.17655602097511292},{"word":"7","start":2075.83,"end":2076.3203,"confidence":0.99886066,"punctuated_word":"7,","sentiment":"neutral","sentiment_score":-0.18528343737125397},{"word":"no","start":2076.8599,"end":2077.0999,"confidence":1.0,"punctuated_word":"no","sentiment":"negative","sentiment_score":-0.36966028809547424},{"word":"one","start":2077.0999,"end":2077.18,"confidence":1.0,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.4051964282989502},{"word":"will","start":2077.18,"end":2077.42,"confidence":0.99902344,"punctuated_word":"will","sentiment":"negative","sentiment_score":-0.35619866847991943},{"word":"be","start":2077.42,"end":2077.5798,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3735008239746094},{"word":"allowed","start":2077.5798,"end":2077.98,"confidence":1.0,"punctuated_word":"allowed","sentiment":"negative","sentiment_score":-0.3982260525226593},{"word":"to","start":2077.98,"end":2078.14,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3912782669067383},{"word":"borrow","start":2078.14,"end":2078.46,"confidence":1.0,"punctuated_word":"borrow","sentiment":"negative","sentiment_score":-0.372422456741333},{"word":"money","start":2078.46,"end":2078.96,"confidence":1.0,"punctuated_word":"money","sentiment":"negative","sentiment_score":-0.3686785101890564},{"word":"to","start":2079.18,"end":2079.5,"confidence":0.9980469,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3936637341976166},{"word":"purchase","start":2079.5,"end":2080.0,"confidence":1.0,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":-0.2828911542892456},{"word":"that","start":2080.22,"end":2080.46,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.29355093836784363},{"word":"residential","start":2080.46,"end":2080.96,"confidence":0.99902344,"punctuated_word":"residential","sentiment":"neutral","sentiment_score":-0.2426011711359024},{"word":"investment","start":2081.0999,"end":2081.5,"confidence":0.9921875,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.1615506112575531},{"word":"property","start":2081.5,"end":2081.98,"confidence":0.99902344,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.2046265155076981},{"word":"anymore","start":2081.98,"end":2082.48,"confidence":0.99560547,"punctuated_word":"anymore.","sentiment":"neutral","sentiment_score":-0.32563307881355286},{"word":"so","start":2087.02,"end":2087.52,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07975587248802185},{"word":"yeah","start":2089.155,"end":2089.395,"confidence":0.9770508,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.09849698841571808},{"word":"so","start":2089.395,"end":2089.715,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09891365468502045},{"word":"as","start":2089.715,"end":2089.875,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.15822210907936096},{"word":"soon","start":2089.875,"end":2090.115,"confidence":1.0,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":-0.21470071375370023},{"word":"as","start":2090.115,"end":2090.2751,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.197012722492218},{"word":"that","start":2090.2751,"end":2090.7751,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1643998771905899},{"word":"august","start":2090.835,"end":2091.2349,"confidence":0.9794922,"punctuated_word":"August","sentiment":"neutral","sentiment_score":-0.1429734081029892},{"word":"7","start":2091.2349,"end":2091.6348,"confidence":0.9794922,"punctuated_word":"7","sentiment":"neutral","sentiment_score":-0.1501377671957016},{"word":"happens","start":2091.635,"end":2092.115,"confidence":0.9626465,"punctuated_word":"happens,","sentiment":"neutral","sentiment_score":-0.16590821743011477},{"word":"they","start":2092.115,"end":2092.435,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.252007395029068},{"word":"are","start":2092.435,"end":2092.595,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2895752489566803},{"word":"banning","start":2092.595,"end":2093.095,"confidence":0.99609375,"punctuated_word":"banning","sentiment":"negative","sentiment_score":-0.33633649349212646},{"word":"borrowing","start":2093.635,"end":2094.115,"confidence":0.6923828,"punctuated_word":"borrowing","sentiment":"neutral","sentiment_score":-0.2298825979232788},{"word":"off","start":2094.115,"end":2094.355,"confidence":0.97265625,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.25326913595199585},{"word":"of","start":2094.355,"end":2094.5151,"confidence":0.9604492,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.26616328954696655},{"word":"your","start":2094.5151,"end":2094.675,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.222087100148201},{"word":"super","start":2094.675,"end":2095.155,"confidence":0.9633789,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.19075533747673035},{"word":"to","start":2095.155,"end":2095.395,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2321913242340088},{"word":"purchase","start":2095.395,"end":2095.715,"confidence":1.0,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":-0.15136437118053436},{"word":"a","start":2095.715,"end":2095.875,"confidence":0.93408203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10561318695545197},{"word":"residential","start":2095.875,"end":2096.375,"confidence":0.9951172,"punctuated_word":"residential","sentiment":"neutral","sentiment_score":-0.09110578149557114},{"word":"investment","start":2096.435,"end":2096.835,"confidence":0.9902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.07483361661434174},{"word":"property","start":2096.835,"end":2097.335,"confidence":0.9433594,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":-0.11872951686382294},{"word":"and","start":2097.475,"end":2097.715,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.09780904650688171},{"word":"if","start":2097.715,"end":2097.875,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11145956814289092},{"word":"it's","start":2097.875,"end":2098.0352,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.11038807034492493},{"word":"not","start":2098.0352,"end":2098.2751,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1198623850941658},{"word":"in","start":2098.2751,"end":2098.5151,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.18266214430332184},{"word":"by","start":2098.5151,"end":2098.835,"confidence":0.9980469,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.17232337594032288},{"word":"then","start":2098.835,"end":2099.335,"confidence":0.9916992,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.2196301817893982},{"word":"it's","start":2099.475,"end":2099.875,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2760363221168518},{"word":"no","start":2099.875,"end":2100.115,"confidence":0.99902344,"punctuated_word":"no","sentiment":"negative","sentiment_score":-0.35745930671691895},{"word":"longer","start":2100.115,"end":2100.5151,"confidence":1.0,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.33104726672172546},{"word":"available","start":2100.5151,"end":2101.0151,"confidence":0.99609375,"punctuated_word":"available.","sentiment":"neutral","sentiment_score":-0.2536267042160034},{"word":"so","start":2104.81,"end":2104.97,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2217028886079788},{"word":"that's","start":2104.97,"end":2105.21,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.189415842294693},{"word":"why","start":2105.21,"end":2105.37,"confidence":0.64160156,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.139334574341774},{"word":"i","start":2105.37,"end":2105.45,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22515004873275757},{"word":"was","start":2105.45,"end":2105.61,"confidence":0.984375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.21297869086265564},{"word":"worried","start":2105.61,"end":2106.01,"confidence":0.9921875,"punctuated_word":"worried","sentiment":"neutral","sentiment_score":-0.2644786536693573},{"word":"saying","start":2106.01,"end":2106.51,"confidence":0.7800293,"punctuated_word":"saying,","sentiment":"neutral","sentiment_score":-0.2300678938627243},{"word":"if","start":2107.1301,"end":2107.29,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2871529459953308},{"word":"we","start":2107.29,"end":2107.45,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2551378905773163},{"word":"were","start":2107.45,"end":2107.61,"confidence":0.9375,"punctuated_word":"were","sentiment":"negative","sentiment_score":-0.3660709261894226},{"word":"to","start":2107.61,"end":2107.69,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.31323808431625366},{"word":"go","start":2107.69,"end":2107.85,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.24896511435508728},{"word":"through","start":2107.85,"end":2108.09,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.23503904044628143},{"word":"all","start":2108.09,"end":2108.17,"confidence":0.99609375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.18475209176540375},{"word":"this","start":2108.17,"end":2108.4102,"confidence":0.96972656,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.23297034204006195},{"word":"and","start":2108.4102,"end":2108.49,"confidence":0.9003906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.18253709375858307},{"word":"you","start":2108.49,"end":2108.6501,"confidence":0.8959961,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17826247215270996},{"word":"spend","start":2108.6501,"end":2108.8901,"confidence":0.68310547,"punctuated_word":"spend","sentiment":"neutral","sentiment_score":-0.1192539632320404},{"word":"10,000","start":2108.8901,"end":2109.45,"confidence":0.99902344,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":-0.09982795268297195},{"word":"dollars","start":2109.45,"end":2109.69,"confidence":0.9980469,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":-0.0953873097896576},{"word":"of","start":2109.69,"end":2109.85,"confidence":0.4506836,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16751116514205933},{"word":"your","start":2109.85,"end":2110.01,"confidence":0.9243164,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2043834328651428},{"word":"super","start":2110.01,"end":2110.33,"confidence":0.81640625,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.09158765524625778},{"word":"to","start":2110.33,"end":2110.49,"confidence":0.9658203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09089800715446472},{"word":"set","start":2110.49,"end":2110.6501,"confidence":0.99609375,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.12505759298801422},{"word":"everything","start":2110.6501,"end":2110.97,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.07128240168094635},{"word":"up","start":2110.97,"end":2111.1301,"confidence":0.7961426,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.14540009200572968},{"word":"and","start":2111.1301,"end":2111.29,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.18750803172588348},{"word":"then","start":2111.29,"end":2111.45,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1940842866897583},{"word":"it's","start":2111.45,"end":2111.53,"confidence":0.935791,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2396184802055359},{"word":"like","start":2111.53,"end":2111.77,"confidence":0.9147949,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2361586391925812},{"word":"oh","start":2111.77,"end":2111.93,"confidence":0.97680664,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.28567641973495483},{"word":"you","start":2111.93,"end":2112.09,"confidence":0.99902344,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3546639680862427},{"word":"missed","start":2112.09,"end":2112.4102,"confidence":0.68359375,"punctuated_word":"missed","sentiment":"neutral","sentiment_score":-0.28676673769950867},{"word":"it","start":2112.4102,"end":2112.49,"confidence":0.9604492,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2573451101779938},{"word":"by","start":2112.49,"end":2112.73,"confidence":0.9873047,"punctuated_word":"by","sentiment":"negative","sentiment_score":-0.4078235328197479},{"word":"two","start":2112.73,"end":2112.8901,"confidence":0.8496094,"punctuated_word":"two","sentiment":"negative","sentiment_score":-0.4155433773994446},{"word":"days","start":2112.8901,"end":2113.29,"confidence":0.7614746,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":-0.31213563680648804},{"word":"better","start":2113.29,"end":2113.61,"confidence":0.8120117,"punctuated_word":"better,","sentiment":"neutral","sentiment_score":-0.28015780448913574},{"word":"like","start":2113.61,"end":2113.85,"confidence":0.98168945,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.24757492542266848},{"word":"close","start":2113.85,"end":2114.17,"confidence":0.984375,"punctuated_word":"close","sentiment":"negative","sentiment_score":-0.38317275047302246},{"word":"it","start":2114.17,"end":2114.25,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2594839930534363},{"word":"all","start":2114.25,"end":2114.49,"confidence":0.9970703,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.3616648018360138},{"word":"down","start":2114.49,"end":2114.73,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.29506716132164},{"word":"and","start":2114.73,"end":2114.8901,"confidence":0.9760742,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.36944323778152466},{"word":"start","start":2114.8901,"end":2115.21,"confidence":0.9902344,"punctuated_word":"start","sentiment":"negative","sentiment_score":-0.37017199397087097},{"word":"again","start":2115.21,"end":2115.71,"confidence":0.92089844,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.2882002592086792},{"word":"you","start":2116.035,"end":2116.275,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.2670401632785797},{"word":"just","start":2116.275,"end":2116.515,"confidence":0.9819336,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.3842495381832123},{"word":"lost","start":2116.515,"end":2116.755,"confidence":0.9941406,"punctuated_word":"lost","sentiment":"negative","sentiment_score":-0.382364422082901},{"word":"$10","start":2116.755,"end":2117.575,"confidence":0.94628906,"punctuated_word":"$10","sentiment":"negative","sentiment_score":-0.4116841852664947},{"word":"and","start":2117.795,"end":2118.275,"confidence":0.70947266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.29225796461105347},{"word":"a","start":2118.275,"end":2118.4348,"confidence":0.96972656,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.6008973717689514},{"word":"month's","start":2118.4348,"end":2118.755,"confidence":0.97924805,"punctuated_word":"month's","sentiment":"negative","sentiment_score":-0.6397387981414795},{"word":"work","start":2118.755,"end":2119.255,"confidence":0.9885254,"punctuated_word":"work.","sentiment":"negative","sentiment_score":-0.4885900914669037},{"word":"yeah","start":2122.355,"end":2122.855,"confidence":0.91845703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0034570135176181793},{"word":"no","start":2129.06,"end":2129.3,"confidence":0.75439453,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2520096004009247},{"word":"you're","start":2129.3,"end":2129.62,"confidence":0.99609375,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.252828449010849},{"word":"okay","start":2129.62,"end":2129.94,"confidence":0.99853516,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.010038889944553375},{"word":"it","start":2129.94,"end":2130.1,"confidence":0.9980469,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.00717703253030777},{"word":"is","start":2130.1,"end":2130.34,"confidence":0.9760742,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.007027290761470795},{"word":"it's","start":2130.98,"end":2131.22,"confidence":0.98461914,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.07755444198846817},{"word":"a","start":2131.22,"end":2131.3801,"confidence":0.86621094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08281226456165314},{"word":"lot","start":2131.3801,"end":2131.54,"confidence":0.8540039,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.09827733784914015},{"word":"of","start":2131.54,"end":2131.7,"confidence":0.28930664,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14194652438163757},{"word":"wrap","start":2131.7,"end":2131.94,"confidence":0.23083496,"punctuated_word":"wrap","sentiment":"neutral","sentiment_score":-0.12607373297214508},{"word":"your","start":2131.94,"end":2132.02,"confidence":0.8510742,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.12115070968866348},{"word":"mind","start":2132.02,"end":2132.26,"confidence":0.99902344,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":-0.13044677674770355},{"word":"around","start":2132.26,"end":2132.66,"confidence":0.8515625,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":-0.08473928272724152},{"word":"especially","start":2132.66,"end":2133.14,"confidence":0.99902344,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":-0.058160826563835144},{"word":"at","start":2133.14,"end":2133.3,"confidence":0.45141602,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06474503129720688},{"word":"the","start":2133.3,"end":2133.46,"confidence":0.5708008,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.028622403740882874},{"word":"first","start":2133.46,"end":2133.78,"confidence":0.99121094,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.05908721685409546},{"word":"time","start":2133.78,"end":2134.28,"confidence":0.9980469,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.035348616540431976},{"word":"it's","start":2134.66,"end":2135.06,"confidence":0.98535156,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0068673742935061455},{"word":"complicated","start":2135.06,"end":2135.56,"confidence":1.0,"punctuated_word":"complicated","sentiment":"neutral","sentiment_score":-0.12469861656427383},{"word":"enough","start":2135.62,"end":2135.86,"confidence":0.9838867,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":-0.1050388365983963},{"word":"as","start":2135.86,"end":2136.02,"confidence":0.9873047,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.09926026314496994},{"word":"it","start":2136.02,"end":2136.1,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08989918977022171},{"word":"is","start":2136.1,"end":2136.42,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11591942608356476},{"word":"to","start":2136.42,"end":2136.66,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10209187865257265},{"word":"understand","start":2136.66,"end":2137.16,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.13148541748523712},{"word":"verbally","start":2137.62,"end":2138.12,"confidence":0.7578125,"punctuated_word":"verbally,","sentiment":"neutral","sentiment_score":-0.09649065136909483},{"word":"and","start":2138.42,"end":2138.74,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06371569633483887},{"word":"normally","start":2138.74,"end":2139.06,"confidence":0.70703125,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":-0.059157878160476685},{"word":"i","start":2139.06,"end":2139.14,"confidence":0.5878906,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0524633526802063},{"word":"send","start":2139.14,"end":2139.3801,"confidence":0.8105469,"punctuated_word":"send","sentiment":"neutral","sentiment_score":-0.06356731057167053},{"word":"through","start":2139.3801,"end":2139.7,"confidence":0.97265625,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.057616107165813446},{"word":"flowcharts","start":2139.7,"end":2140.2,"confidence":0.73339844,"punctuated_word":"flowcharts","sentiment":"neutral","sentiment_score":-0.05256946012377739},{"word":"and","start":2140.26,"end":2140.42,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05463993549346924},{"word":"things","start":2140.42,"end":2140.82,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.062216296792030334},{"word":"like","start":2140.82,"end":2140.98,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.05611449107527733},{"word":"that","start":2140.98,"end":2141.22,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06923823058605194},{"word":"as","start":2141.22,"end":2141.3801,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05196627229452133},{"word":"well","start":2141.3801,"end":2141.78,"confidence":0.82714844,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.04977939277887344},{"word":"but","start":2141.78,"end":2141.94,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06056950613856315},{"word":"the","start":2141.94,"end":2142.1,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13160252571105957},{"word":"legislation","start":2142.1,"end":2142.6,"confidence":0.9980469,"punctuated_word":"legislation","sentiment":"neutral","sentiment_score":-0.11211136728525162},{"word":"just","start":2142.74,"end":2142.98,"confidence":1.0,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.4592070877552033},{"word":"makes","start":2142.98,"end":2143.22,"confidence":1.0,"punctuated_word":"makes","sentiment":"negative","sentiment_score":-0.4590601921081543},{"word":"it","start":2143.22,"end":2143.3801,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4460561275482178},{"word":"more","start":2143.3801,"end":2143.62,"confidence":1.0,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.4520544111728668},{"word":"difficult","start":2143.62,"end":2144.12,"confidence":1.0,"punctuated_word":"difficult.","sentiment":"negative","sentiment_score":-0.3839001953601837},{"word":"one","start":2146.155,"end":2146.3152,"confidence":0.9716797,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.029754426330327988},{"word":"of","start":2146.3152,"end":2146.475,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.038220975548028946},{"word":"the","start":2146.475,"end":2146.5552,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04643558710813522},{"word":"things","start":2146.5552,"end":2146.7952,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.04776731505990029},{"word":"i","start":2146.7952,"end":2146.875,"confidence":0.9819336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08998201042413712},{"word":"would","start":2146.875,"end":2147.0352,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.01634460687637329},{"word":"say","start":2147.0352,"end":2147.3552,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.01805397868156433},{"word":"though","start":2147.3552,"end":2147.5151,"confidence":0.640625,"punctuated_word":"though","sentiment":"neutral","sentiment_score":-0.048118360340595245},{"word":"as","start":2147.5151,"end":2147.675,"confidence":0.8857422,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.04031318426132202},{"word":"well","start":2147.675,"end":2148.0752,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.037300534546375275},{"word":"is","start":2148.0752,"end":2148.235,"confidence":0.91748047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00493786484003067},{"word":"that","start":2148.235,"end":2148.735,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.003647424280643463},{"word":"we're","start":2149.115,"end":2149.3552,"confidence":0.96069336,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.0711238756775856},{"word":"not","start":2149.3552,"end":2149.5952,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10135945677757265},{"word":"just","start":2149.5952,"end":2149.995,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0978076383471489},{"word":"like","start":2149.995,"end":2150.395,"confidence":0.8276367,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.12572230398654938},{"word":"the","start":2150.395,"end":2150.875,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07464365661144257},{"word":"superannuation","start":2150.875,"end":2151.375,"confidence":0.98079425,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":-0.05830452963709831},{"word":"guys","start":2151.7551,"end":2152.235,"confidence":0.826416,"punctuated_word":"guys.","sentiment":"neutral","sentiment_score":-0.05133778974413872},{"word":"if","start":2152.235,"end":2152.475,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.10159384459257126},{"word":"we","start":2152.475,"end":2152.635,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1067463755607605},{"word":"get","start":2152.635,"end":2152.7952,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0969572216272354},{"word":"to","start":2152.7952,"end":2152.955,"confidence":0.97509766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11506114155054092},{"word":"that","start":2152.955,"end":2153.195,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1197718307375908},{"word":"review","start":2153.195,"end":2153.695,"confidence":0.9980469,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.10228685289621352},{"word":"in","start":2153.915,"end":2154.155,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0885293036699295},{"word":"twelve","start":2154.155,"end":2154.475,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.08374425023794174},{"word":"months","start":2154.475,"end":2154.7952,"confidence":0.9707031,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.06919688731431961},{"word":"time","start":2154.7952,"end":2154.955,"confidence":0.7285156,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.18992367386817932},{"word":"and","start":2154.955,"end":2155.195,"confidence":0.7480469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16727951169013977},{"word":"there's","start":2155.195,"end":2155.435,"confidence":0.98779297,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.22323474287986755},{"word":"other","start":2155.435,"end":2155.675,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.2100261747837067},{"word":"things","start":2155.675,"end":2155.995,"confidence":0.9863281,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.3299866020679474},{"word":"for","start":2155.995,"end":2156.155,"confidence":0.99316406,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.33835116028785706},{"word":"us","start":2156.155,"end":2156.3152,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.2663376033306122},{"word":"to","start":2156.3152,"end":2156.395,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35047900676727295},{"word":"help","start":2156.395,"end":2156.715,"confidence":1.0,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.4470963478088379},{"word":"you","start":2156.715,"end":2156.7952,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5108116865158081},{"word":"with","start":2156.7952,"end":2157.2952,"confidence":0.9748535,"punctuated_word":"with,","sentiment":"positive","sentiment_score":0.4714276194572449},{"word":"dana","start":2157.81,"end":2158.1301,"confidence":0.9165039,"punctuated_word":"Dana","sentiment":"positive","sentiment_score":0.5292128920555115},{"word":"and","start":2158.1301,"end":2158.37,"confidence":0.8588867,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4673401415348053},{"word":"myself","start":2158.37,"end":2158.6902,"confidence":0.99902344,"punctuated_word":"myself","sentiment":"positive","sentiment_score":0.5766785144805908},{"word":"and","start":2158.6902,"end":2158.9302,"confidence":0.9589844,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4545832574367523},{"word":"the","start":2158.9302,"end":2159.09,"confidence":0.99121094,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4528191387653351},{"word":"team","start":2159.09,"end":2159.57,"confidence":0.9880371,"punctuated_word":"team,","sentiment":"positive","sentiment_score":0.4042029082775116},{"word":"we're","start":2159.57,"end":2159.8901,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.4712331891059875},{"word":"gonna","start":2159.8901,"end":2160.1301,"confidence":0.9350586,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.532099723815918},{"word":"coach","start":2160.1301,"end":2160.37,"confidence":0.9838867,"punctuated_word":"coach","sentiment":"positive","sentiment_score":0.6193804144859314},{"word":"you","start":2160.37,"end":2160.53,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5141651630401611},{"word":"through","start":2160.53,"end":2160.6902,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.5973545908927917},{"word":"it","start":2160.6902,"end":2161.1902,"confidence":0.9975586,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.392111599445343},{"word":"we're","start":2161.25,"end":2161.49,"confidence":0.99902344,"punctuated_word":"We're","sentiment":"positive","sentiment_score":0.4866504669189453},{"word":"gonna","start":2161.49,"end":2161.73,"confidence":0.9863281,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.530376136302948},{"word":"get","start":2161.73,"end":2161.8901,"confidence":0.9951172,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5231410264968872},{"word":"you","start":2161.8901,"end":2162.05,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5302045345306396},{"word":"in","start":2162.05,"end":2162.21,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5338717699050903},{"word":"touch","start":2162.21,"end":2162.4502,"confidence":1.0,"punctuated_word":"touch","sentiment":"positive","sentiment_score":0.4212304353713989},{"word":"with","start":2162.4502,"end":2162.61,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4748402535915375},{"word":"the","start":2162.61,"end":2162.6902,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4034327566623688},{"word":"right","start":2162.6902,"end":2163.01,"confidence":0.9980469,"punctuated_word":"right","sentiment":"positive","sentiment_score":0.4376377463340759},{"word":"people","start":2163.01,"end":2163.51,"confidence":0.99853516,"punctuated_word":"people.","sentiment":"positive","sentiment_score":0.4023439884185791},{"word":"we","start":2163.6501,"end":2163.8901,"confidence":1.0,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.3550759553909302},{"word":"want","start":2163.8901,"end":2164.29,"confidence":0.99316406,"punctuated_word":"want","sentiment":"positive","sentiment_score":0.5016998052597046},{"word":"everybody","start":2164.29,"end":2164.79,"confidence":1.0,"punctuated_word":"everybody","sentiment":"positive","sentiment_score":0.5803840160369873},{"word":"to","start":2164.85,"end":2165.09,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5789656639099121},{"word":"progress","start":2165.09,"end":2165.59,"confidence":1.0,"punctuated_word":"progress","sentiment":"positive","sentiment_score":0.5809663534164429},{"word":"through","start":2165.6501,"end":2165.8901,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.5934504270553589},{"word":"those","start":2165.8901,"end":2166.21,"confidence":0.9980469,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.5604768395423889},{"word":"life","start":2166.21,"end":2166.53,"confidence":0.95166016,"punctuated_word":"life","sentiment":"positive","sentiment_score":0.49671515822410583},{"word":"stages","start":2166.53,"end":2166.9302,"confidence":0.9980469,"punctuated_word":"stages","sentiment":"positive","sentiment_score":0.5574454069137573},{"word":"into","start":2166.9302,"end":2167.1702,"confidence":0.49365234,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.6277172565460205},{"word":"those","start":2167.1702,"end":2167.4102,"confidence":0.75341797,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.546599805355072},{"word":"different","start":2167.4102,"end":2167.73,"confidence":1.0,"punctuated_word":"different","sentiment":"positive","sentiment_score":0.4749366343021393},{"word":"goals","start":2167.73,"end":2168.1301,"confidence":0.9951172,"punctuated_word":"goals","sentiment":"positive","sentiment_score":0.4926484525203705},{"word":"to","start":2168.1301,"end":2168.6301,"confidence":0.51708984,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5474530458450317},{"word":"get","start":2168.6902,"end":2168.9302,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5101911425590515},{"word":"the","start":2168.9302,"end":2169.09,"confidence":0.9707031,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4939874410629273},{"word":"home","start":2169.09,"end":2169.33,"confidence":0.99316406,"punctuated_word":"home","sentiment":"positive","sentiment_score":0.45157232880592346},{"word":"and","start":2169.33,"end":2169.57,"confidence":0.8769531,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5619619488716125},{"word":"the","start":2169.57,"end":2169.73,"confidence":0.9614258,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6050516366958618},{"word":"investments","start":2169.73,"end":2170.23,"confidence":0.9838867,"punctuated_word":"investments","sentiment":"positive","sentiment_score":0.4123371541500091},{"word":"and","start":2170.29,"end":2170.4502,"confidence":0.8178711,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5060350298881531},{"word":"build","start":2170.4502,"end":2170.77,"confidence":0.9941406,"punctuated_word":"build","sentiment":"positive","sentiment_score":0.5576174259185791},{"word":"your","start":2170.77,"end":2170.9302,"confidence":0.8881836,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5749770998954773},{"word":"wealth","start":2170.9302,"end":2171.1702,"confidence":0.99902344,"punctuated_word":"wealth","sentiment":"positive","sentiment_score":0.6469576954841614},{"word":"and","start":2171.1702,"end":2171.6702,"confidence":0.91845703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3114577829837799},{"word":"branch","start":2172.2048,"end":2172.525,"confidence":0.9941406,"punctuated_word":"branch","sentiment":"neutral","sentiment_score":0.3247937560081482},{"word":"out","start":2172.525,"end":2172.765,"confidence":1.0,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4150601923465729},{"word":"into","start":2172.765,"end":2173.005,"confidence":0.9980469,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.3434321880340576},{"word":"whatever","start":2173.005,"end":2173.325,"confidence":1.0,"punctuated_word":"whatever","sentiment":"positive","sentiment_score":0.4205165207386017},{"word":"you're","start":2173.325,"end":2173.565,"confidence":0.9831543,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.33791109919548035},{"word":"comfortable","start":2173.565,"end":2174.065,"confidence":0.97509766,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.243621289730072},{"word":"doing","start":2174.125,"end":2174.625,"confidence":0.84155273,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":0.26475080847740173},{"word":"we","start":2175.2449,"end":2175.4849,"confidence":0.99121094,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.2667704224586487},{"word":"just","start":2175.4849,"end":2175.7249,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.30976852774620056},{"word":"start","start":2175.7249,"end":2175.9648,"confidence":0.9970703,"punctuated_word":"start","sentiment":"positive","sentiment_score":0.3669322729110718},{"word":"off","start":2175.9648,"end":2176.125,"confidence":0.9951172,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.3008985221385956},{"word":"with","start":2176.125,"end":2176.285,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.34995436668395996},{"word":"that","start":2176.285,"end":2176.525,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3930102288722992},{"word":"basis","start":2176.525,"end":2176.925,"confidence":0.9863281,"punctuated_word":"basis","sentiment":"positive","sentiment_score":0.3783230781555176},{"word":"of","start":2176.925,"end":2177.085,"confidence":0.95581055,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.31214749813079834},{"word":"you","start":2177.085,"end":2177.165,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2248902916908264},{"word":"know","start":2177.165,"end":2177.4849,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2387377172708511},{"word":"superannuation","start":2177.4849,"end":2177.9849,"confidence":0.9617513,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.29579272866249084},{"word":"and","start":2178.365,"end":2178.4448,"confidence":0.80615234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2200884222984314},{"word":"so","start":2178.4448,"end":2178.6848,"confidence":0.9863281,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2525932788848877},{"word":"on","start":2178.6848,"end":2179.165,"confidence":0.8186035,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.26018890738487244},{"word":"but","start":2179.165,"end":2179.4849,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2884574234485626},{"word":"we're","start":2179.4849,"end":2179.645,"confidence":0.9785156,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.3525277376174927},{"word":"there","start":2179.645,"end":2179.9648,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.280593603849411},{"word":"alongside","start":2179.9648,"end":2180.4648,"confidence":0.9921875,"punctuated_word":"alongside","sentiment":"neutral","sentiment_score":0.2857075333595276},{"word":"you","start":2180.525,"end":2180.6848,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.38693058490753174},{"word":"guys","start":2180.6848,"end":2181.085,"confidence":0.9970703,"punctuated_word":"guys","sentiment":"positive","sentiment_score":0.3706744313240051},{"word":"the","start":2181.085,"end":2181.2449,"confidence":0.6953125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2916068732738495},{"word":"entire","start":2181.2449,"end":2181.565,"confidence":0.9760742,"punctuated_word":"entire","sentiment":"neutral","sentiment_score":0.23478403687477112},{"word":"time","start":2181.565,"end":2182.065,"confidence":0.98706055,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.28086209297180176},{"word":"okay","start":2185.1802,"end":2185.6802,"confidence":0.8535156,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.32649320363998413},{"word":"so","start":2187.4202,"end":2187.9202,"confidence":0.9921875,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4856622517108917},{"word":"anytime","start":2188.06,"end":2188.3801,"confidence":0.90478516,"punctuated_word":"anytime","sentiment":"positive","sentiment_score":0.43307021260261536},{"word":"you","start":2188.3801,"end":2188.62,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.38271868228912354},{"word":"need","start":2188.62,"end":2188.86,"confidence":1.0,"punctuated_word":"need","sentiment":"positive","sentiment_score":0.3439024090766907},{"word":"a","start":2188.86,"end":2188.9402,"confidence":0.96435547,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.36784976720809937},{"word":"chat","start":2188.9402,"end":2189.4402,"confidence":0.98413086,"punctuated_word":"chat,","sentiment":"neutral","sentiment_score":0.3072366714477539},{"word":"book","start":2189.6602,"end":2189.82,"confidence":0.8935547,"punctuated_word":"book","sentiment":"positive","sentiment_score":0.3584033250808716},{"word":"in","start":2189.82,"end":2190.06,"confidence":0.9873047,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.33346426486968994},{"word":"to","start":2190.06,"end":2190.1401,"confidence":0.92089844,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3580802083015442},{"word":"have","start":2190.1401,"end":2190.3,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.37857162952423096},{"word":"a","start":2190.3,"end":2190.3801,"confidence":0.9941406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35481148958206177},{"word":"chat","start":2190.3801,"end":2190.62,"confidence":0.78808594,"punctuated_word":"chat,","sentiment":"positive","sentiment_score":0.36944854259490967},{"word":"and","start":2190.62,"end":2190.86,"confidence":0.9970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3778785467147827},{"word":"we'll","start":2190.86,"end":2191.02,"confidence":0.99560547,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.46476611495018005},{"word":"kind","start":2191.02,"end":2191.26,"confidence":0.96435547,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.5298457741737366},{"word":"of","start":2191.26,"end":2191.34,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5259097218513489},{"word":"coach","start":2191.34,"end":2191.58,"confidence":0.89990234,"punctuated_word":"coach","sentiment":"positive","sentiment_score":0.456665962934494},{"word":"you","start":2191.58,"end":2191.74,"confidence":0.99316406,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5652816891670227},{"word":"through","start":2191.74,"end":2191.9001,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.5661735534667969},{"word":"it","start":2191.9001,"end":2192.4001,"confidence":0.99902344,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.34937435388565063},{"word":"one","start":2192.9402,"end":2193.1802,"confidence":0.8510742,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.06738908588886261},{"word":"thing","start":2193.1802,"end":2193.4202,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.10090689361095428},{"word":"as","start":2193.4202,"end":2193.6602,"confidence":0.390625,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09010346978902815},{"word":"a","start":2193.6602,"end":2193.74,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07250218093395233},{"word":"bit","start":2193.74,"end":2193.9001,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0721263438463211},{"word":"of","start":2193.9001,"end":2194.4001,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06456328928470612},{"word":"a","start":2194.54,"end":2194.62,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06347561627626419},{"word":"bit","start":2194.62,"end":2194.86,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08729823678731918},{"word":"of","start":2194.86,"end":2194.9402,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07861146330833435},{"word":"homework","start":2194.9402,"end":2195.34,"confidence":0.86083984,"punctuated_word":"homework,","sentiment":"neutral","sentiment_score":0.06471247971057892},{"word":"you","start":2195.34,"end":2195.5,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06203305348753929},{"word":"did","start":2195.5,"end":2195.6602,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.03813452273607254},{"word":"mention","start":2195.6602,"end":2195.98,"confidence":0.98535156,"punctuated_word":"mention","sentiment":"neutral","sentiment_score":0.06614820659160614},{"word":"that","start":2195.98,"end":2196.1401,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04915989190340042},{"word":"you","start":2196.1401,"end":2196.3,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07545873522758484},{"word":"and","start":2196.3,"end":2196.8,"confidence":0.8461914,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07200906425714493},{"word":"you","start":2197.045,"end":2197.285,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08370473980903625},{"word":"guys","start":2197.285,"end":2197.365,"confidence":0.98535156,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.09675884991884232},{"word":"need","start":2197.365,"end":2197.605,"confidence":0.99609375,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.06842395663261414},{"word":"to","start":2197.605,"end":2197.845,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08072339743375778},{"word":"sit","start":2197.845,"end":2198.0051,"confidence":1.0,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":0.13314640522003174},{"word":"down","start":2198.0051,"end":2198.165,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.16525937616825104},{"word":"to","start":2198.165,"end":2198.325,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10625045001506804},{"word":"talk","start":2198.325,"end":2198.565,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.1252970993518829},{"word":"through","start":2198.565,"end":2198.725,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09027177840471268},{"word":"your","start":2198.725,"end":2198.965,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07561777532100677},{"word":"finances","start":2198.965,"end":2199.465,"confidence":0.93115234,"punctuated_word":"finances","sentiment":"neutral","sentiment_score":0.0773339793086052},{"word":"a","start":2199.525,"end":2199.605,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07449770718812943},{"word":"little","start":2199.605,"end":2199.765,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.038060009479522705},{"word":"bit","start":2199.765,"end":2200.265,"confidence":0.9736328,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.04202870279550552},{"word":"and","start":2202.405,"end":2202.885,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08974608778953552},{"word":"one","start":2202.885,"end":2203.045,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.09131285548210144},{"word":"thing","start":2203.045,"end":2203.285,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.11823810636997224},{"word":"if","start":2203.285,"end":2203.365,"confidence":0.44921875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1194273680448532},{"word":"you","start":2203.365,"end":2203.525,"confidence":0.96875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13041967153549194},{"word":"can","start":2203.525,"end":2203.765,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13267986476421356},{"word":"do","start":2203.765,"end":2203.845,"confidence":0.96875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15700393915176392},{"word":"it","start":2203.845,"end":2204.0051,"confidence":0.6623535,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.16175025701522827},{"word":"i","start":2204.0051,"end":2204.085,"confidence":0.86035156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12392283976078032},{"word":"don't","start":2204.085,"end":2204.165,"confidence":0.9812012,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.03900536522269249},{"word":"know","start":2204.165,"end":2204.245,"confidence":0.93603516,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.03241463005542755},{"word":"if","start":2204.245,"end":2204.325,"confidence":0.9863281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05267062783241272},{"word":"you've","start":2204.325,"end":2204.565,"confidence":0.8989258,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.05414360761642456},{"word":"done","start":2204.565,"end":2204.805,"confidence":0.6328125,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.058442745357751846},{"word":"it","start":2204.805,"end":2204.965,"confidence":0.9658203,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07170586287975311},{"word":"before","start":2204.965,"end":2205.365,"confidence":0.7717285,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":0.06894738227128983},{"word":"it's","start":2205.365,"end":2205.605,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.18896719813346863},{"word":"a","start":2205.605,"end":2205.765,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22722667455673215},{"word":"really","start":2205.765,"end":2206.0051,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.2553560733795166},{"word":"good","start":2206.0051,"end":2206.245,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.26520225405693054},{"word":"way","start":2206.245,"end":2206.405,"confidence":0.99316406,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.28969764709472656},{"word":"to","start":2206.405,"end":2206.905,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23150114715099335},{"word":"just","start":2207.285,"end":2207.605,"confidence":0.9580078,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.25553619861602783},{"word":"flag","start":2207.605,"end":2208.085,"confidence":0.9941406,"punctuated_word":"flag","sentiment":"neutral","sentiment_score":0.18639954924583435},{"word":"if","start":2208.085,"end":2208.325,"confidence":0.9614258,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.28164875507354736},{"word":"there","start":2208.325,"end":2208.565,"confidence":0.8798828,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.17895853519439697},{"word":"is","start":2208.565,"end":2208.725,"confidence":0.9667969,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12307621538639069},{"word":"an","start":2208.725,"end":2208.885,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09944331645965576},{"word":"issue","start":2208.885,"end":2209.125,"confidence":1.0,"punctuated_word":"issue","sentiment":"neutral","sentiment_score":0.019079051911830906},{"word":"or","start":2209.125,"end":2209.285,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.13186149299144745},{"word":"not","start":2209.285,"end":2209.785,"confidence":0.7668457,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":0.09782130271196364},{"word":"is","start":2210.1501,"end":2210.3901,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10864246636629105},{"word":"just","start":2210.3901,"end":2210.71,"confidence":0.64501953,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12846724689006803},{"word":"sit","start":2210.71,"end":2210.79,"confidence":0.99316406,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":0.17140591144561768},{"word":"down","start":2210.79,"end":2211.03,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.17274154722690582},{"word":"with","start":2211.03,"end":2211.1902,"confidence":0.9892578,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15550900995731354},{"word":"pedro","start":2211.1902,"end":2211.51,"confidence":0.9863281,"punctuated_word":"Pedro","sentiment":"neutral","sentiment_score":0.1046932339668274},{"word":"sometime","start":2211.51,"end":2212.01,"confidence":0.52441406,"punctuated_word":"sometime","sentiment":"neutral","sentiment_score":0.23355749249458313},{"word":"and","start":2212.07,"end":2212.31,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18162786960601807},{"word":"work","start":2212.31,"end":2212.55,"confidence":0.95703125,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.1761491298675537},{"word":"out","start":2212.55,"end":2213.05,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2044164836406708},{"word":"of","start":2213.99,"end":2214.23,"confidence":0.796875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19125856459140775},{"word":"all","start":2214.23,"end":2214.31,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.15953923761844635},{"word":"the","start":2214.31,"end":2214.47,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.152317076921463},{"word":"things","start":2214.47,"end":2214.79,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.16186203062534332},{"word":"that","start":2214.79,"end":2214.9502,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12602141499519348},{"word":"you","start":2214.9502,"end":2215.11,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13536444306373596},{"word":"spend","start":2215.11,"end":2215.35,"confidence":0.9741211,"punctuated_word":"spend","sentiment":"neutral","sentiment_score":0.07360034435987473},{"word":"money","start":2215.35,"end":2215.6702,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.10042370855808258},{"word":"on","start":2215.6702,"end":2216.1702,"confidence":0.78466797,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.10274966806173325},{"word":"how","start":2216.71,"end":2217.03,"confidence":0.9970703,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.04896277934312821},{"word":"much","start":2217.03,"end":2217.27,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.05203612148761749},{"word":"would","start":2217.27,"end":2217.51,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.060043394565582275},{"word":"you","start":2217.51,"end":2217.75,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.050703246146440506},{"word":"categorize","start":2217.75,"end":2218.25,"confidence":0.99365234,"punctuated_word":"categorize","sentiment":"neutral","sentiment_score":0.059933166950941086},{"word":"as","start":2218.6301,"end":2219.03,"confidence":0.87280273,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":0.04827909916639328},{"word":"like","start":2219.03,"end":2219.35,"confidence":0.9890137,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05405106395483017},{"word":"living","start":2219.35,"end":2219.83,"confidence":0.96435547,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.069706991314888},{"word":"expenses","start":2219.83,"end":2220.33,"confidence":0.7167969,"punctuated_word":"expenses,","sentiment":"neutral","sentiment_score":0.06403353810310364},{"word":"like","start":2220.55,"end":2220.87,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07755348086357117},{"word":"rent","start":2220.87,"end":2221.1902,"confidence":0.44799805,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":0.07265505194664001},{"word":"and","start":2221.1902,"end":2221.4302,"confidence":0.85058594,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05803978070616722},{"word":"electricity","start":2221.4302,"end":2221.9302,"confidence":0.9980469,"punctuated_word":"electricity","sentiment":"neutral","sentiment_score":0.07351473718881607},{"word":"and","start":2222.1501,"end":2222.3901,"confidence":0.88671875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03807380795478821},{"word":"and","start":2222.3901,"end":2222.55,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.049540359526872635},{"word":"those","start":2222.55,"end":2223.05,"confidence":0.9951172,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.06900084018707275},{"word":"fuel","start":2223.35,"end":2223.6702,"confidence":0.4038086,"punctuated_word":"fuel","sentiment":"neutral","sentiment_score":0.03584688901901245},{"word":"and","start":2223.6702,"end":2223.83,"confidence":0.94921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07384628057479858},{"word":"all","start":2223.83,"end":2223.99,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0725167989730835},{"word":"those","start":2223.99,"end":2224.49,"confidence":0.99121094,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.07633300125598907},{"word":"must","start":2224.55,"end":2224.87,"confidence":0.9970703,"punctuated_word":"must","sentiment":"neutral","sentiment_score":0.04771599546074867},{"word":"haves","start":2224.87,"end":2225.37,"confidence":0.819987,"punctuated_word":"haves?","sentiment":"neutral","sentiment_score":0.04143986850976944},{"word":"put","start":2225.845,"end":2226.085,"confidence":0.99902344,"punctuated_word":"Put","sentiment":"neutral","sentiment_score":0.02327737957239151},{"word":"that","start":2226.085,"end":2226.165,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04216165095567703},{"word":"in","start":2226.165,"end":2226.485,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03213314712047577},{"word":"a","start":2226.485,"end":2226.725,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03358316048979759},{"word":"category","start":2226.725,"end":2227.225,"confidence":0.81396484,"punctuated_word":"category,","sentiment":"neutral","sentiment_score":0.028413422405719757},{"word":"then","start":2228.245,"end":2228.485,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04784560576081276},{"word":"put","start":2228.485,"end":2228.8052,"confidence":0.99609375,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.041867658495903015},{"word":"in","start":2228.8052,"end":2229.125,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.057223159819841385},{"word":"your","start":2229.125,"end":2229.605,"confidence":0.8532715,"punctuated_word":"your,","sentiment":"neutral","sentiment_score":0.024923650547862053},{"word":"i","start":2229.605,"end":2229.685,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.004084445536136627},{"word":"guess","start":2229.685,"end":2229.925,"confidence":0.96875,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.016450386494398117},{"word":"your","start":2229.925,"end":2230.165,"confidence":0.90283203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.016272470355033875},{"word":"splurging","start":2230.165,"end":2230.665,"confidence":0.9139404,"punctuated_word":"splurging.","sentiment":"neutral","sentiment_score":0.01869082637131214},{"word":"how","start":2230.8052,"end":2230.885,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.009775348007678986},{"word":"much","start":2230.885,"end":2231.125,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.024611324071884155},{"word":"do","start":2231.125,"end":2231.2852,"confidence":0.94189453,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.013408146798610687},{"word":"you","start":2231.2852,"end":2231.365,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.055660735815763474},{"word":"spend","start":2231.365,"end":2231.605,"confidence":0.99609375,"punctuated_word":"spend","sentiment":"neutral","sentiment_score":0.06608366966247559},{"word":"on","start":2231.605,"end":2231.7651,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10275200009346008},{"word":"the","start":2231.7651,"end":2231.925,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07908168435096741},{"word":"coffee","start":2231.925,"end":2232.325,"confidence":0.7236328,"punctuated_word":"coffee","sentiment":"neutral","sentiment_score":0.09724470973014832},{"word":"at","start":2232.325,"end":2232.485,"confidence":0.8051758,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0901435762643814},{"word":"the","start":2232.485,"end":2232.645,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06873951852321625},{"word":"shops","start":2232.645,"end":2233.0452,"confidence":0.9614258,"punctuated_word":"shops","sentiment":"neutral","sentiment_score":0.07472197711467743},{"word":"and","start":2233.0452,"end":2233.5452,"confidence":0.8857422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05314718931913376},{"word":"buying","start":2233.685,"end":2234.165,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.06008386239409447},{"word":"alcohol","start":2234.165,"end":2234.645,"confidence":0.99902344,"punctuated_word":"alcohol","sentiment":"neutral","sentiment_score":0.04527854174375534},{"word":"and","start":2234.645,"end":2234.8052,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.042270220816135406},{"word":"going","start":2234.8052,"end":2235.0452,"confidence":0.9980469,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.09242167323827744},{"word":"to","start":2235.0452,"end":2235.205,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08089499175548553},{"word":"the","start":2235.205,"end":2235.365,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.045168910175561905},{"word":"movies","start":2235.365,"end":2235.865,"confidence":0.9104004,"punctuated_word":"movies?","sentiment":"neutral","sentiment_score":0.036650143563747406},{"word":"that's","start":2237.365,"end":2237.685,"confidence":0.97094727,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.05098768323659897},{"word":"your","start":2237.685,"end":2238.0051,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.048542313277721405},{"word":"splurge","start":2238.0051,"end":2238.485,"confidence":0.99609375,"punctuated_word":"splurge","sentiment":"neutral","sentiment_score":0.0814204216003418},{"word":"category","start":2238.485,"end":2238.985,"confidence":0.9707031,"punctuated_word":"category.","sentiment":"neutral","sentiment_score":0.06151936575770378},{"word":"then","start":2239.66,"end":2239.9,"confidence":1.0,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.015306755900382996},{"word":"you've","start":2239.9,"end":2240.22,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.027942387387156487},{"word":"got","start":2240.22,"end":2240.62,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.03877684473991394},{"word":"long","start":2240.62,"end":2240.86,"confidence":0.99609375,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.0625690370798111},{"word":"term","start":2240.86,"end":2241.18,"confidence":0.9941406,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.10247166454792024},{"word":"stuff","start":2241.18,"end":2241.42,"confidence":0.84106445,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":0.06951578706502914},{"word":"how","start":2241.42,"end":2241.58,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.028658170253038406},{"word":"much","start":2241.58,"end":2241.82,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.0652681440114975},{"word":"are","start":2241.82,"end":2241.9,"confidence":0.97265625,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.041580766439437866},{"word":"you","start":2241.9,"end":2242.06,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0761154443025589},{"word":"putting","start":2242.06,"end":2242.46,"confidence":0.99902344,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.07387236505746841},{"word":"aside","start":2242.46,"end":2242.96,"confidence":0.9790039,"punctuated_word":"aside","sentiment":"neutral","sentiment_score":0.11020007729530334},{"word":"to","start":2243.58,"end":2243.82,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09030259400606155},{"word":"pay","start":2243.82,"end":2244.06,"confidence":0.97998047,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.09419534355401991},{"word":"for","start":2244.06,"end":2244.3,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11039434373378754},{"word":"holidays","start":2244.3,"end":2244.8,"confidence":0.99902344,"punctuated_word":"holidays","sentiment":"neutral","sentiment_score":0.1462632119655609},{"word":"and","start":2244.86,"end":2245.18,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07824099808931351},{"word":"and","start":2245.18,"end":2245.42,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06408374011516571},{"word":"the","start":2245.42,"end":2245.58,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08997100591659546},{"word":"larger","start":2245.58,"end":2245.98,"confidence":0.6166992,"punctuated_word":"larger","sentiment":"neutral","sentiment_score":0.12652209401130676},{"word":"things","start":2245.98,"end":2246.22,"confidence":0.99316406,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.13317054510116577},{"word":"of","start":2246.22,"end":2246.38,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02391017973423004},{"word":"life","start":2246.38,"end":2246.62,"confidence":0.75219727,"punctuated_word":"life,","sentiment":"neutral","sentiment_score":0.04589741677045822},{"word":"and","start":2246.62,"end":2246.78,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07435570657253265},{"word":"then","start":2246.78,"end":2246.94,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08801136910915375},{"word":"how","start":2246.94,"end":2247.1,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0482376404106617},{"word":"much","start":2247.1,"end":2247.34,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.060585007071495056},{"word":"can","start":2247.34,"end":2247.5,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06451669335365295},{"word":"you","start":2247.5,"end":2247.66,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06227242201566696},{"word":"actually","start":2247.66,"end":2248.14,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.08113265037536621},{"word":"save","start":2248.14,"end":2248.64,"confidence":0.88134766,"punctuated_word":"save?","sentiment":"neutral","sentiment_score":0.05973782390356064},{"word":"what","start":2251.42,"end":2251.74,"confidence":0.9941406,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.07401435822248459},{"word":"this","start":2251.74,"end":2251.98,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07634875923395157},{"word":"does","start":2251.98,"end":2252.475,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.06304913014173508},{"word":"is","start":2252.635,"end":2252.875,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06322423368692398},{"word":"if","start":2252.875,"end":2252.955,"confidence":0.84228516,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07447415590286255},{"word":"you","start":2252.955,"end":2253.435,"confidence":0.9550781,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06985872983932495},{"word":"do","start":2253.435,"end":2253.5952,"confidence":0.78027344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.061573900282382965},{"word":"that","start":2253.5952,"end":2253.995,"confidence":0.80126953,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06393882632255554},{"word":"as","start":2253.995,"end":2254.0752,"confidence":0.41333008,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04538224637508392},{"word":"a","start":2254.0752,"end":2254.155,"confidence":0.6352539,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05473893880844116},{"word":"percentage","start":2254.155,"end":2254.435,"confidence":0.22619629,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.05843565985560417},{"word":"of","start":2254.435,"end":2254.715,"confidence":0.9404297,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04458067566156387},{"word":"your","start":2254.715,"end":2254.875,"confidence":0.9633789,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0433308370411396},{"word":"income","start":2254.875,"end":2255.375,"confidence":0.9577637,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.04118850827217102},{"word":"usually","start":2255.995,"end":2256.475,"confidence":0.8544922,"punctuated_word":"usually,","sentiment":"neutral","sentiment_score":0.05123606324195862},{"word":"you","start":2256.475,"end":2256.5552,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05036775395274162},{"word":"wanna","start":2256.5552,"end":2256.875,"confidence":0.91845703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.07317095994949341},{"word":"aim","start":2256.875,"end":2257.0352,"confidence":1.0,"punctuated_word":"aim","sentiment":"neutral","sentiment_score":0.0763063132762909},{"word":"for","start":2257.0352,"end":2257.2751,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07275279611349106},{"word":"about","start":2257.2751,"end":2257.675,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05200324207544327},{"word":"no","start":2257.675,"end":2257.915,"confidence":0.9941406,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.043514981865882874},{"word":"more","start":2257.915,"end":2258.0752,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.03819552063941955},{"word":"than","start":2258.0752,"end":2258.475,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.05249525234103203},{"word":"60%","start":2258.475,"end":2259.375,"confidence":0.9975586,"punctuated_word":"60%","sentiment":"neutral","sentiment_score":0.04695290327072144},{"word":"of","start":2259.5151,"end":2259.7551,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.051544565707445145},{"word":"your","start":2259.7551,"end":2259.995,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.031213780865073204},{"word":"income","start":2259.995,"end":2260.395,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.03099432960152626},{"word":"going","start":2260.395,"end":2260.635,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.031669341027736664},{"word":"to","start":2260.635,"end":2260.875,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04341617226600647},{"word":"expenses","start":2260.875,"end":2261.375,"confidence":0.97509766,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.04034009948372841},{"word":"and","start":2261.8352,"end":2262.0752,"confidence":0.6699219,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.029120003804564476},{"word":"no","start":2262.0752,"end":2262.3152,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.01609734818339348},{"word":"more","start":2262.3152,"end":2262.475,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.014292798936367037},{"word":"than","start":2262.475,"end":2262.7952,"confidence":0.99902344,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.00847741961479187},{"word":"10%","start":2262.7952,"end":2263.355,"confidence":1.0,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.01964052766561508},{"word":"of","start":2263.355,"end":2263.5151,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.006511334329843521},{"word":"your","start":2263.5151,"end":2263.675,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.00030798837542533875},{"word":"income","start":2263.675,"end":2264.155,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.010339390486478806},{"word":"going","start":2264.155,"end":2264.395,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.01217174157500267},{"word":"towards","start":2264.395,"end":2264.875,"confidence":0.8642578,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.014281589537858965},{"word":"just","start":2264.875,"end":2265.115,"confidence":0.8691406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.00660199299454689},{"word":"splurging","start":2265.115,"end":2265.5952,"confidence":0.79093426,"punctuated_word":"splurging","sentiment":"neutral","sentiment_score":0.01351485587656498},{"word":"money","start":2265.5952,"end":2265.915,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.04455132782459259},{"word":"on","start":2265.915,"end":2266.0752,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02179940789937973},{"word":"this","start":2266.0752,"end":2266.3152,"confidence":0.8334961,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":0.007891535758972168},{"word":"that","start":2266.3152,"end":2266.475,"confidence":0.9699707,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.017294354736804962},{"word":"and","start":2266.475,"end":2266.635,"confidence":0.9667969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.019498182460665703},{"word":"the","start":2266.635,"end":2266.715,"confidence":0.8798828,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02233736962080002},{"word":"other","start":2266.715,"end":2267.215,"confidence":0.82373047,"punctuated_word":"other.","sentiment":"neutral","sentiment_score":0.0241396427154541},{"word":"so","start":2269.14,"end":2269.64,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05313055217266083},{"word":"if","start":2270.0999,"end":2270.26,"confidence":0.9819336,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06504637002944946},{"word":"your","start":2270.26,"end":2270.5,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.068999744951725},{"word":"expenses","start":2270.5,"end":2271.0,"confidence":1.0,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.07463104277849197},{"word":"end","start":2271.06,"end":2271.3,"confidence":0.9980469,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.05233326554298401},{"word":"up","start":2271.3,"end":2271.38,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.04366715997457504},{"word":"being","start":2271.38,"end":2271.78,"confidence":0.9980469,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.05473538115620613},{"word":"75%","start":2271.78,"end":2272.66,"confidence":0.9391276,"punctuated_word":"75%","sentiment":"neutral","sentiment_score":0.04322180896997452},{"word":"of","start":2272.66,"end":2272.82,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03284824267029762},{"word":"your","start":2272.82,"end":2273.06,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.047928620129823685},{"word":"income","start":2273.06,"end":2273.56,"confidence":0.9880371,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.055546268820762634},{"word":"well","start":2273.6199,"end":2273.8599,"confidence":0.95092773,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.05101303383708},{"word":"that's","start":2273.8599,"end":2274.0999,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.048121631145477295},{"word":"the","start":2274.0999,"end":2274.26,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028354402631521225},{"word":"area","start":2274.26,"end":2274.58,"confidence":1.0,"punctuated_word":"area","sentiment":"neutral","sentiment_score":0.05708298459649086},{"word":"to","start":2274.58,"end":2274.66,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05751710385084152},{"word":"focus","start":2274.66,"end":2274.98,"confidence":1.0,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.044547416269779205},{"word":"on","start":2274.98,"end":2275.14,"confidence":0.7595215,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.048298656940460205},{"word":"right","start":2275.14,"end":2275.38,"confidence":0.99658203,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.03853735327720642},{"word":"it's","start":2275.38,"end":2275.6199,"confidence":0.8366699,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.03053489327430725},{"word":"either","start":2275.6199,"end":2275.94,"confidence":0.99902344,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.03674883022904396},{"word":"how","start":2275.94,"end":2276.0999,"confidence":0.96972656,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.006216749548912048},{"word":"do","start":2276.0999,"end":2276.18,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.012377306818962095},{"word":"we","start":2276.18,"end":2276.34,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.028533458709716797},{"word":"get","start":2276.34,"end":2276.5,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.02973499521613121},{"word":"our","start":2276.5,"end":2276.74,"confidence":0.9970703,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.01508178561925888},{"word":"expenses","start":2276.74,"end":2277.24,"confidence":0.99609375,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.02105342596769333},{"word":"down","start":2277.38,"end":2277.8599,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.01611437276005745},{"word":"or","start":2277.8599,"end":2278.02,"confidence":0.96777344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0022646375000476837},{"word":"our","start":2278.02,"end":2278.26,"confidence":0.984375,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.00913049653172493},{"word":"income","start":2278.26,"end":2278.66,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.01618851348757744},{"word":"up","start":2278.66,"end":2279.16,"confidence":0.8342285,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.01159587036818266},{"word":"and","start":2279.3152,"end":2279.395,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02226865664124489},{"word":"then","start":2279.395,"end":2279.635,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0207514725625515},{"word":"if","start":2279.635,"end":2279.715,"confidence":0.98828125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.023008057847619057},{"word":"the","start":2279.715,"end":2280.0352,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026777591556310657},{"word":"splurge","start":2280.0352,"end":2280.435,"confidence":0.9790039,"punctuated_word":"splurge","sentiment":"neutral","sentiment_score":0.014898044057190418},{"word":"is","start":2280.435,"end":2280.5952,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.009913444519042969},{"word":"the","start":2280.5952,"end":2280.7551,"confidence":0.50341797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005525413900613785},{"word":"quarter","start":2280.7551,"end":2281.155,"confidence":0.9980469,"punctuated_word":"quarter","sentiment":"neutral","sentiment_score":0.00528697669506073},{"word":"of","start":2281.155,"end":2281.235,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009884290397167206},{"word":"what","start":2281.235,"end":2281.475,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.01380201056599617},{"word":"you","start":2281.475,"end":2281.955,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010038219392299652},{"word":"earn","start":2281.955,"end":2282.455,"confidence":0.89404297,"punctuated_word":"earn,","sentiment":"neutral","sentiment_score":-0.002185048535466194},{"word":"then","start":2282.675,"end":2282.915,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.005619019269943237},{"word":"that's","start":2282.915,"end":2283.235,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.009220173582434654},{"word":"what","start":2283.235,"end":2283.395,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03759737312793732},{"word":"you","start":2283.395,"end":2283.5552,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03347928449511528},{"word":"look","start":2283.5552,"end":2283.715,"confidence":0.9951172,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.03481316193938255},{"word":"at","start":2283.715,"end":2284.0352,"confidence":0.96777344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.043277300894260406},{"word":"for","start":2284.0352,"end":2284.195,"confidence":0.8769531,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0392971932888031},{"word":"cutting","start":2284.195,"end":2284.5952,"confidence":0.96972656,"punctuated_word":"cutting","sentiment":"neutral","sentiment_score":-0.022891730070114136},{"word":"and","start":2284.5952,"end":2284.7551,"confidence":0.6064453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.030617553740739822},{"word":"so","start":2284.7551,"end":2284.915,"confidence":0.56591797,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.0220047477632761},{"word":"on","start":2284.915,"end":2285.415,"confidence":0.99902344,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.012718185782432556},{"word":"so","start":2288.115,"end":2288.3552,"confidence":0.9760742,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02671543136239052},{"word":"the","start":2288.3552,"end":2288.5151,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03119198977947235},{"word":"first","start":2288.5151,"end":2288.675,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.0237031951546669},{"word":"thing","start":2288.675,"end":2288.8352,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.04522624984383583},{"word":"you","start":2288.8352,"end":2288.995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03598036244511604},{"word":"do","start":2288.995,"end":2289.155,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.027241047471761703},{"word":"is","start":2289.155,"end":2289.3152,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.018721166998147964},{"word":"just","start":2289.3152,"end":2289.475,"confidence":0.7680664,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.024718929082155228},{"word":"get","start":2289.475,"end":2289.635,"confidence":0.9819336,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.02431143820285797},{"word":"a","start":2289.635,"end":2289.7952,"confidence":0.9291992,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025220107287168503},{"word":"lay","start":2289.7952,"end":2289.875,"confidence":0.5253906,"punctuated_word":"lay","sentiment":"neutral","sentiment_score":0.029316414147615433},{"word":"of","start":2289.875,"end":2290.0352,"confidence":0.9667969,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0183183029294014},{"word":"the","start":2290.0352,"end":2290.195,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008998636156320572},{"word":"land","start":2290.195,"end":2290.5952,"confidence":0.94970703,"punctuated_word":"land","sentiment":"neutral","sentiment_score":0.02377726137638092},{"word":"and","start":2290.5952,"end":2290.8352,"confidence":0.8388672,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02264340966939926},{"word":"go","start":2290.8352,"end":2290.995,"confidence":0.9230957,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.019031543284654617},{"word":"okay","start":2290.995,"end":2291.3152,"confidence":0.8718262,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.02149301581084728},{"word":"this","start":2291.3152,"end":2291.475,"confidence":0.9980469,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.012054596096277235},{"word":"is","start":2291.475,"end":2291.635,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.009595148265361786},{"word":"all","start":2291.635,"end":2291.955,"confidence":0.9921875,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.011560261249542236},{"word":"must","start":2291.955,"end":2292.2751,"confidence":0.96972656,"punctuated_word":"must","sentiment":"neutral","sentiment_score":-0.010072130709886553},{"word":"have","start":2292.2751,"end":2292.7751,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0012404248118400574},{"word":"absolutely","start":2292.8352,"end":2293.3352,"confidence":0.9863281,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":-0.014585763216018677},{"word":"necessary","start":2293.395,"end":2293.875,"confidence":0.99902344,"punctuated_word":"necessary","sentiment":"neutral","sentiment_score":-0.003637026995420456},{"word":"expenses","start":2293.875,"end":2294.375,"confidence":0.9831543,"punctuated_word":"expenses.","sentiment":"neutral","sentiment_score":-0.021092472597956657},{"word":"this","start":2294.9302,"end":2295.1702,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":-0.09122937172651292},{"word":"is","start":2295.1702,"end":2295.33,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11840108036994934},{"word":"all","start":2295.33,"end":2295.6501,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.2664426267147064},{"word":"the","start":2295.6501,"end":2295.81,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.27596384286880493},{"word":"the","start":2295.81,"end":2296.05,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2774832844734192},{"word":"sort","start":2296.05,"end":2296.29,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.3471877872943878},{"word":"of","start":2296.29,"end":2296.37,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3284091353416443},{"word":"crap","start":2296.37,"end":2296.6902,"confidence":0.89990234,"punctuated_word":"crap,","sentiment":"neutral","sentiment_score":-0.32550984621047974},{"word":"so","start":2296.6902,"end":2296.9302,"confidence":0.9873047,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.21495772898197177},{"word":"i'm","start":2296.9302,"end":2297.01,"confidence":0.9013672,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2232111692428589},{"word":"sorry","start":2297.01,"end":2297.25,"confidence":1.0,"punctuated_word":"sorry","sentiment":"neutral","sentiment_score":-0.23891685903072357},{"word":"to","start":2297.25,"end":2297.4102,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.22091828286647797},{"word":"say","start":2297.4102,"end":2297.9102,"confidence":0.95996094,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.15714988112449646},{"word":"that","start":2298.05,"end":2298.29,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17584072053432465},{"word":"we're","start":2298.29,"end":2298.53,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.07921015471220016},{"word":"spending","start":2298.53,"end":2298.9302,"confidence":1.0,"punctuated_word":"spending","sentiment":"neutral","sentiment_score":-0.07772707939147949},{"word":"on","start":2298.9302,"end":2299.4302,"confidence":0.97802734,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.08151881396770477},{"word":"let's","start":2299.6501,"end":2299.9702,"confidence":0.9980469,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":-0.010013913735747336},{"word":"percentage","start":2299.9702,"end":2300.4702,"confidence":0.9902344,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.012344539165496826},{"word":"it","start":2300.53,"end":2300.6902,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.016678910702466965},{"word":"on","start":2300.6902,"end":2300.9302,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.009713314473628998},{"word":"our","start":2300.9302,"end":2301.09,"confidence":1.0,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.0008137859404087067},{"word":"incomes","start":2301.09,"end":2301.59,"confidence":0.8232422,"punctuated_word":"incomes","sentiment":"neutral","sentiment_score":-0.024057963863015175},{"word":"as","start":2301.6501,"end":2301.8901,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.00011526793241500854},{"word":"a","start":2301.8901,"end":2302.05,"confidence":0.90722656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01344859041273594},{"word":"common","start":2302.05,"end":2302.4502,"confidence":0.9428711,"punctuated_word":"common","sentiment":"neutral","sentiment_score":-0.02379658445715904},{"word":"combination","start":2302.61,"end":2303.11,"confidence":0.7746582,"punctuated_word":"combination,","sentiment":"neutral","sentiment_score":-0.02890889346599579},{"word":"and","start":2303.9702,"end":2304.1301,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.011696232482790949},{"word":"then","start":2304.1301,"end":2304.29,"confidence":0.9770508,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.000804852694272995},{"word":"just","start":2304.29,"end":2304.53,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03486884385347366},{"word":"see","start":2304.53,"end":2304.61,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.03223056346178055},{"word":"where","start":2304.61,"end":2304.77,"confidence":0.9819336,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.04743987321853638},{"word":"the","start":2304.77,"end":2304.9302,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.062282249331474304},{"word":"red","start":2304.9302,"end":2305.1702,"confidence":0.99902344,"punctuated_word":"red","sentiment":"neutral","sentiment_score":-0.07558932900428772},{"word":"flag","start":2305.1702,"end":2305.4102,"confidence":0.99609375,"punctuated_word":"flag","sentiment":"neutral","sentiment_score":-0.07478857040405273},{"word":"is","start":2305.4102,"end":2305.9102,"confidence":0.9807129,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.09570269286632538},{"word":"60","start":2306.85,"end":2307.25,"confidence":0.9946289,"punctuated_word":"60","sentiment":"neutral","sentiment_score":-0.005122361704707146},{"word":"percent","start":2307.25,"end":2307.75,"confidence":0.98657227,"punctuated_word":"percent,","sentiment":"neutral","sentiment_score":0.020116139203310013},{"word":"10%","start":2308.05,"end":2308.79,"confidence":0.9968262,"punctuated_word":"10%,","sentiment":"neutral","sentiment_score":0.0332927443087101},{"word":"10%","start":2309.275,"end":2310.015,"confidence":0.99658203,"punctuated_word":"10%,","sentiment":"neutral","sentiment_score":0.04329201951622963},{"word":"20%","start":2310.075,"end":2310.815,"confidence":1.0,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.05811174958944321},{"word":"for","start":2310.875,"end":2311.355,"confidence":0.71728516,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03676971793174744},{"word":"expenses","start":2311.355,"end":2311.855,"confidence":0.8791504,"punctuated_word":"expenses,","sentiment":"neutral","sentiment_score":0.0266825333237648},{"word":"splurging","start":2312.235,"end":2312.735,"confidence":0.9621582,"punctuated_word":"splurging,","sentiment":"neutral","sentiment_score":0.17861837148666382},{"word":"long","start":2313.835,"end":2314.075,"confidence":0.9267578,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.17992174625396729},{"word":"term","start":2314.075,"end":2314.575,"confidence":0.7116699,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":0.2606046497821808},{"word":"fun","start":2315.595,"end":2316.095,"confidence":0.79467773,"punctuated_word":"fun,","sentiment":"neutral","sentiment_score":0.26582059264183044},{"word":"and","start":2316.315,"end":2316.715,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2763832211494446},{"word":"savings","start":2316.715,"end":2317.215,"confidence":0.9921875,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.2821515202522278},{"word":"is","start":2317.355,"end":2317.515,"confidence":0.97802734,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.254751980304718},{"word":"the","start":2317.515,"end":2317.755,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22177129983901975},{"word":"goal","start":2317.755,"end":2318.255,"confidence":0.76660156,"punctuated_word":"goal.","sentiment":"neutral","sentiment_score":0.18672147393226624},{"word":"and","start":2318.635,"end":2318.875,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17762629687786102},{"word":"you","start":2318.875,"end":2319.035,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17248483002185822},{"word":"can","start":2319.035,"end":2319.275,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.200360968708992},{"word":"see","start":2319.275,"end":2319.515,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1913115680217743},{"word":"very","start":2319.515,"end":2319.835,"confidence":0.9970703,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.1937524676322937},{"word":"quickly","start":2319.835,"end":2320.315,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.20932886004447937},{"word":"where","start":2320.315,"end":2320.475,"confidence":0.9970703,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.15490873157978058},{"word":"you","start":2320.475,"end":2320.635,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13958081603050232},{"word":"guys","start":2320.635,"end":2320.955,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.10723739117383956},{"word":"are","start":2320.955,"end":2321.195,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08215458691120148},{"word":"are","start":2321.195,"end":2321.275,"confidence":0.6904297,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07289615273475647},{"word":"spending","start":2321.275,"end":2321.675,"confidence":1.0,"punctuated_word":"spending","sentiment":"neutral","sentiment_score":0.0661618709564209},{"word":"the","start":2321.675,"end":2321.835,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08965015411376953},{"word":"money","start":2321.835,"end":2322.335,"confidence":0.9946289,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.10264049470424652},{"word":"and","start":2326.27,"end":2326.51,"confidence":0.31420898,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2169209122657776},{"word":"so","start":2326.51,"end":2326.75,"confidence":0.9604492,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.19767281413078308},{"word":"i'll","start":2326.75,"end":2327.07,"confidence":0.967041,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2268286645412445},{"word":"include","start":2327.07,"end":2327.39,"confidence":1.0,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.2270423173904419},{"word":"that","start":2327.39,"end":2327.6301,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16695678234100342},{"word":"in","start":2327.6301,"end":2327.79,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18529948592185977},{"word":"an","start":2327.79,"end":2327.95,"confidence":0.9404297,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.17462915182113647},{"word":"email","start":2327.95,"end":2328.35,"confidence":0.8310547,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.172395721077919},{"word":"and","start":2328.35,"end":2328.59,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16098009049892426},{"word":"i'll","start":2328.59,"end":2328.75,"confidence":0.9946289,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1637137234210968},{"word":"send","start":2328.75,"end":2328.99,"confidence":0.9970703,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1491677463054657},{"word":"through","start":2328.99,"end":2329.31,"confidence":0.8588867,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.16649353504180908},{"word":"like","start":2329.31,"end":2329.47,"confidence":0.9916992,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1481657475233078},{"word":"the","start":2329.47,"end":2329.6301,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19378045201301575},{"word":"budget","start":2329.6301,"end":2329.95,"confidence":0.984375,"punctuated_word":"budget","sentiment":"neutral","sentiment_score":0.14306499063968658},{"word":"spreadsheet","start":2329.95,"end":2330.45,"confidence":0.9941406,"punctuated_word":"spreadsheet","sentiment":"neutral","sentiment_score":0.1393914818763733},{"word":"and","start":2330.51,"end":2330.59,"confidence":0.8911133,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1471380889415741},{"word":"just","start":2330.59,"end":2330.83,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1617131233215332},{"word":"a","start":2330.83,"end":2330.91,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15926285088062286},{"word":"bit","start":2330.91,"end":2331.07,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14069579541683197},{"word":"of","start":2331.07,"end":2331.31,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1495448350906372},{"word":"a","start":2331.31,"end":2331.81,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14607015252113342},{"word":"a","start":2332.91,"end":2333.15,"confidence":0.7441406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.128738671541214},{"word":"bit","start":2333.15,"end":2333.23,"confidence":0.82177734,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1303289234638214},{"word":"of","start":2333.23,"end":2333.39,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15649983286857605},{"word":"a","start":2333.39,"end":2333.55,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1349392980337143},{"word":"shortcut","start":2333.55,"end":2334.03,"confidence":0.9658203,"punctuated_word":"shortcut","sentiment":"neutral","sentiment_score":0.11707836389541626},{"word":"breakdown","start":2334.03,"end":2334.53,"confidence":0.9716797,"punctuated_word":"breakdown","sentiment":"neutral","sentiment_score":0.10914219915866852},{"word":"for","start":2334.59,"end":2334.83,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14201343059539795},{"word":"it","start":2334.83,"end":2335.33,"confidence":0.9592285,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.08988212794065475},{"word":"but","start":2335.695,"end":2335.935,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05766048282384872},{"word":"at","start":2335.935,"end":2336.175,"confidence":0.95166016,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04725799709558487},{"word":"any","start":2336.175,"end":2336.415,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03219878673553467},{"word":"point","start":2336.415,"end":2336.915,"confidence":0.96850586,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.028868751600384712},{"word":"that's","start":2336.975,"end":2337.215,"confidence":0.99658203,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.051475971937179565},{"word":"probably","start":2337.215,"end":2337.5352,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.05281301587820053},{"word":"your","start":2337.5352,"end":2337.695,"confidence":0.8276367,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.039374276995658875},{"word":"next","start":2337.695,"end":2337.855,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.0434827022254467},{"word":"step","start":2337.855,"end":2338.095,"confidence":0.99902344,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.06810875236988068},{"word":"is","start":2338.095,"end":2338.2551,"confidence":0.5336914,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07018102705478668},{"word":"just","start":2338.2551,"end":2338.495,"confidence":0.9482422,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0838233232498169},{"word":"to","start":2338.495,"end":2338.5752,"confidence":0.9819336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06665480136871338},{"word":"sit","start":2338.5752,"end":2338.735,"confidence":0.9980469,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":0.07513705641031265},{"word":"down","start":2338.735,"end":2339.0552,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.07910497486591339},{"word":"and","start":2339.0552,"end":2339.135,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06680411845445633},{"word":"go","start":2339.135,"end":2339.2952,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07126107811927795},{"word":"through","start":2339.2952,"end":2339.455,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05681202933192253},{"word":"it","start":2339.455,"end":2339.955,"confidence":0.9921875,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.04984195530414581},{"word":"you","start":2340.2551,"end":2340.415,"confidence":0.9951172,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.03159965202212334},{"word":"don't","start":2340.415,"end":2340.735,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.018854541704058647},{"word":"have","start":2340.735,"end":2340.895,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02557355910539627},{"word":"to","start":2340.895,"end":2340.975,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002798989415168762},{"word":"do","start":2340.975,"end":2341.215,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.031449608504772186},{"word":"it","start":2341.215,"end":2341.2952,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.026289641857147217},{"word":"very","start":2341.2952,"end":2341.615,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.04982743412256241},{"word":"often","start":2341.615,"end":2342.115,"confidence":1.0,"punctuated_word":"often","sentiment":"neutral","sentiment_score":-0.05228909850120544},{"word":"because","start":2342.895,"end":2343.395,"confidence":0.6269531,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0183568075299263},{"word":"if","start":2343.5352,"end":2343.7751,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.007189314812421799},{"word":"you","start":2343.7751,"end":2343.935,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026134811341762543},{"word":"do","start":2343.935,"end":2344.175,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02450728416442871},{"word":"identify","start":2344.175,"end":2344.675,"confidence":0.9980469,"punctuated_word":"identify","sentiment":"neutral","sentiment_score":-0.012215659022331238},{"word":"some","start":2344.8152,"end":2344.975,"confidence":0.9375,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.04360908269882202},{"word":"things","start":2344.975,"end":2345.215,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.05793085694313049},{"word":"to","start":2345.215,"end":2345.375,"confidence":0.6098633,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.042237021028995514},{"word":"change","start":2345.375,"end":2345.615,"confidence":0.98339844,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":-0.03490389883518219},{"word":"you","start":2345.615,"end":2345.855,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02649971842765808},{"word":"still","start":2345.855,"end":2346.095,"confidence":0.98095703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.041849032044410706},{"word":"need","start":2346.095,"end":2346.2551,"confidence":0.9970703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0351429358124733},{"word":"to","start":2346.2551,"end":2346.335,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0138041153550148},{"word":"kind","start":2346.335,"end":2346.5752,"confidence":0.9526367,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.01581106334924698},{"word":"of","start":2346.5752,"end":2346.655,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0015646815299987793},{"word":"give","start":2346.655,"end":2346.8152,"confidence":0.9980469,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.027339883148670197},{"word":"it","start":2346.8152,"end":2346.975,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02580869197845459},{"word":"a","start":2346.975,"end":2347.135,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.026176579296588898},{"word":"go","start":2347.135,"end":2347.2952,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.016780681908130646},{"word":"for","start":2347.2952,"end":2347.5352,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02849787101149559},{"word":"a","start":2347.5352,"end":2347.615,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02434634417295456},{"word":"few","start":2347.615,"end":2347.7751,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.052031874656677246},{"word":"months","start":2347.7751,"end":2348.2751,"confidence":0.99609375,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.011949017643928528},{"word":"and","start":2348.5752,"end":2348.8152,"confidence":0.6899414,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.016561560332775116},{"word":"then","start":2348.8152,"end":2349.3152,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.002902843058109283},{"word":"adjust","start":2349.84,"end":2350.08,"confidence":0.9980469,"punctuated_word":"adjust","sentiment":"neutral","sentiment_score":-0.015715166926383972},{"word":"from","start":2350.08,"end":2350.48,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.059387966990470886},{"word":"there","start":2350.48,"end":2350.7202,"confidence":0.9892578,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.08457830548286438},{"word":"because","start":2350.7202,"end":2351.04,"confidence":0.6323242,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07603634148836136},{"word":"no","start":2351.04,"end":2351.28,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.1884370744228363},{"word":"one's","start":2351.28,"end":2351.52,"confidence":0.9765625,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":-0.1873266398906708},{"word":"perfect","start":2351.52,"end":2351.9202,"confidence":0.9658203,"punctuated_word":"perfect","sentiment":"neutral","sentiment_score":-0.12515705823898315},{"word":"with","start":2351.9202,"end":2352.0,"confidence":0.3935547,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.17517414689064026},{"word":"budgeting","start":2352.0,"end":2352.48,"confidence":0.9692383,"punctuated_word":"budgeting","sentiment":"neutral","sentiment_score":-0.11491043865680696},{"word":"those","start":2352.48,"end":2352.8,"confidence":0.9790039,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.0461759939789772},{"word":"first","start":2352.8,"end":2353.04,"confidence":0.9970703,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.048385679721832275},{"word":"three","start":2353.04,"end":2353.28,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.038853004574775696},{"word":"months","start":2353.28,"end":2353.78,"confidence":0.99609375,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.018421750515699387},{"word":"it","start":2354.24,"end":2354.4001,"confidence":0.91503906,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.027938514947891235},{"word":"usually","start":2354.4001,"end":2354.7202,"confidence":0.9980469,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.015865027904510498},{"word":"takes","start":2354.7202,"end":2354.9602,"confidence":0.99902344,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.031897708773612976},{"word":"a","start":2354.9602,"end":2355.04,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04406992346048355},{"word":"couple","start":2355.04,"end":2355.2002,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.022407568991184235},{"word":"of","start":2355.2002,"end":2355.36,"confidence":0.8959961,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.002845682203769684},{"word":"years","start":2355.36,"end":2355.86,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.009734109044075012},{"word":"of","start":2356.48,"end":2356.6401,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02509775757789612},{"word":"refining","start":2356.6401,"end":2357.12,"confidence":1.0,"punctuated_word":"refining","sentiment":"neutral","sentiment_score":0.034905578941106796},{"word":"it","start":2357.12,"end":2357.28,"confidence":0.79956055,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.058252666145563126},{"word":"if","start":2357.28,"end":2357.4402,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07239742577075958},{"word":"that","start":2357.4402,"end":2357.6,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06605719029903412},{"word":"makes","start":2357.6,"end":2357.84,"confidence":0.98535156,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.04371686652302742},{"word":"sense","start":2357.84,"end":2358.34,"confidence":0.99194336,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.03497860208153725},{"word":"okay","start":2361.6802,"end":2362.1802,"confidence":0.8469238,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.4851922392845154},{"word":"now","start":2362.24,"end":2362.74,"confidence":0.98095703,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.3549776077270508},{"word":"i","start":2363.815,"end":2364.0552,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.47776198387146},{"word":"hope","start":2364.0552,"end":2364.2952,"confidence":0.99902344,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.6526597738265991},{"word":"that's","start":2364.2952,"end":2364.5352,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5691396594047546},{"word":"been","start":2364.5352,"end":2364.695,"confidence":1.0,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.7279087901115417},{"word":"helpful","start":2364.695,"end":2365.0151,"confidence":0.94262695,"punctuated_word":"helpful,","sentiment":"positive","sentiment_score":0.6511235237121582},{"word":"guys","start":2365.0151,"end":2365.2551,"confidence":0.9975586,"punctuated_word":"guys.","sentiment":"positive","sentiment_score":0.6250631809234619},{"word":"i'm","start":2365.2551,"end":2365.415,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.08533352613449097},{"word":"sorry","start":2365.415,"end":2365.655,"confidence":0.99902344,"punctuated_word":"sorry","sentiment":"neutral","sentiment_score":-0.1894787847995758},{"word":"i","start":2365.655,"end":2365.735,"confidence":0.8330078,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17367075383663175},{"word":"couldn't","start":2365.735,"end":2365.975,"confidence":0.9980469,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.20775240659713745},{"word":"give","start":2365.975,"end":2366.135,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.2456015944480896},{"word":"you","start":2366.135,"end":2366.2952,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.24122613668441772},{"word":"some","start":2366.2952,"end":2366.455,"confidence":0.984375,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.18335673213005063},{"word":"easy","start":2366.455,"end":2366.7751,"confidence":0.984375,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":-0.20919311046600345},{"word":"answers","start":2366.7751,"end":2367.095,"confidence":0.9951172,"punctuated_word":"answers","sentiment":"neutral","sentiment_score":-0.22664719820022583},{"word":"today","start":2367.095,"end":2367.595,"confidence":0.9824219,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":-0.04480937123298645},{"word":"awesome","start":2371.895,"end":2372.395,"confidence":0.85839844,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.8280059099197388},{"word":"i'm","start":2372.455,"end":2372.615,"confidence":0.9626465,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.8217819929122925},{"word":"glad","start":2372.615,"end":2373.115,"confidence":0.8244629,"punctuated_word":"glad.","sentiment":"positive","sentiment_score":0.7728036642074585},{"word":"do","start":2373.335,"end":2373.495,"confidence":0.3154297,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.24906373023986816},{"word":"you","start":2373.495,"end":2373.655,"confidence":0.55029297,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21657755970954895},{"word":"have","start":2373.655,"end":2373.975,"confidence":0.9135742,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16952942311763763},{"word":"the","start":2373.975,"end":2374.215,"confidence":0.33618164,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1733996868133545},{"word":"questions","start":2374.215,"end":2374.615,"confidence":0.7578125,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.23093250393867493},{"word":"you've","start":2374.615,"end":2374.855,"confidence":0.5102539,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.11626490205526352},{"word":"got","start":2374.855,"end":2375.095,"confidence":0.7324219,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.15427884459495544},{"word":"me","start":2375.095,"end":2375.595,"confidence":0.40307617,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1722860485315323},{"word":"that","start":2375.735,"end":2375.815,"confidence":0.5473633,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05274737626314163},{"word":"i","start":2375.815,"end":2375.895,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03728087246417999},{"word":"haven't","start":2375.895,"end":2376.215,"confidence":0.99853516,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.14440961182117462},{"word":"covered","start":2376.215,"end":2376.5352,"confidence":0.96533203,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.11012428998947144},{"word":"off","start":2376.5352,"end":2376.695,"confidence":0.6796875,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.13725976645946503},{"word":"on","start":2376.695,"end":2377.17,"confidence":0.7570801,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":0.1307494193315506},{"word":"absolutely","start":2385.73,"end":2386.23,"confidence":0.9716797,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.4231739044189453},{"word":"like","start":2386.93,"end":2387.17,"confidence":0.78271484,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":0.2499236911535263},{"word":"i","start":2387.17,"end":2387.3298,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.27853527665138245},{"word":"said","start":2387.3298,"end":2387.65,"confidence":0.9970703,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.2920756936073303},{"word":"dana","start":2387.65,"end":2387.89,"confidence":0.3269043,"punctuated_word":"Dana","sentiment":"positive","sentiment_score":0.4314914345741272},{"word":"is","start":2387.89,"end":2387.97,"confidence":0.6230469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.29986876249313354},{"word":"your","start":2387.97,"end":2388.21,"confidence":0.86035156,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.38609951734542847},{"word":"dedicated","start":2388.21,"end":2388.71,"confidence":0.99902344,"punctuated_word":"dedicated","sentiment":"positive","sentiment_score":0.3786722719669342},{"word":"adviser","start":2388.8499,"end":2389.3499,"confidence":0.88549805,"punctuated_word":"adviser.","sentiment":"positive","sentiment_score":0.4105677902698517},{"word":"i'm","start":2389.41,"end":2389.65,"confidence":0.99365234,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.43492162227630615},{"word":"here","start":2389.65,"end":2389.89,"confidence":0.9941406,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.3836513757705689},{"word":"to","start":2389.89,"end":2390.0498,"confidence":0.98828125,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4122951924800873},{"word":"assist","start":2390.0498,"end":2390.45,"confidence":0.99902344,"punctuated_word":"assist","sentiment":"positive","sentiment_score":0.39058917760849},{"word":"you","start":2390.45,"end":2390.6099,"confidence":0.6899414,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.4625933766365051},{"word":"and","start":2390.6099,"end":2390.77,"confidence":0.96875,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4023265838623047},{"word":"so","start":2390.77,"end":2390.93,"confidence":0.9589844,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4436757564544678},{"word":"is","start":2390.93,"end":2391.0898,"confidence":0.85058594,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4304830729961395},{"word":"larissa","start":2391.0898,"end":2391.49,"confidence":0.6624349,"punctuated_word":"Larissa,","sentiment":"neutral","sentiment_score":0.28719446063041687},{"word":"our","start":2391.49,"end":2391.65,"confidence":0.9790039,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.3711758255958557},{"word":"head","start":2391.65,"end":2391.89,"confidence":0.71972656,"punctuated_word":"head","sentiment":"positive","sentiment_score":0.4278420209884643},{"word":"of","start":2391.89,"end":2391.97,"confidence":0.9970703,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4114699065685272},{"word":"advice","start":2391.97,"end":2392.47,"confidence":0.81591797,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.29040077328681946},{"word":"if","start":2392.9148,"end":2393.1548,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0925191044807434},{"word":"at","start":2393.1548,"end":2393.2349,"confidence":0.921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10046148300170898},{"word":"any","start":2393.2349,"end":2393.3948,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.12461364269256592},{"word":"point","start":2393.3948,"end":2393.6348,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.0756339430809021},{"word":"you","start":2393.6348,"end":2393.795,"confidence":0.9326172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11405440419912338},{"word":"would","start":2393.795,"end":2393.9548,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0973014235496521},{"word":"like","start":2393.9548,"end":2394.115,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08935017138719559},{"word":"to","start":2394.115,"end":2394.1948,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0916571319103241},{"word":"speak","start":2394.1948,"end":2394.4348,"confidence":1.0,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.06306970119476318},{"word":"to","start":2394.4348,"end":2394.595,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07282885909080505},{"word":"someone","start":2394.595,"end":2394.9949,"confidence":0.9975586,"punctuated_word":"someone,","sentiment":"neutral","sentiment_score":0.10128530114889144},{"word":"please","start":2394.9949,"end":2395.315,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.07390379905700684},{"word":"just","start":2395.315,"end":2395.555,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13220083713531494},{"word":"call","start":2395.555,"end":2395.795,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.06347361952066422},{"word":"the","start":2395.795,"end":2395.9548,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14275631308555603},{"word":"team","start":2395.9548,"end":2396.1948,"confidence":0.97802734,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.15879790484905243},{"word":"and","start":2396.1948,"end":2396.355,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1422225832939148},{"word":"book","start":2396.355,"end":2396.595,"confidence":0.9892578,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.13130369782447815},{"word":"in","start":2396.595,"end":2397.095,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17697857320308685},{"word":"with","start":2397.1548,"end":2397.3948,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16722431778907776},{"word":"dana","start":2397.3948,"end":2397.875,"confidence":0.9658203,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.1627306044101715},{"word":"or","start":2397.875,"end":2398.115,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1281651109457016},{"word":"ourselves","start":2398.115,"end":2398.615,"confidence":0.96313477,"punctuated_word":"ourselves.","sentiment":"neutral","sentiment_score":0.18010422587394714},{"word":"and","start":2399.075,"end":2399.315,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1611170768737793},{"word":"like","start":2399.315,"end":2399.4749,"confidence":0.7709961,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1509675532579422},{"word":"i","start":2399.4749,"end":2399.555,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18406865000724792},{"word":"said","start":2399.555,"end":2399.875,"confidence":0.9980469,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.13726414740085602},{"word":"i'll","start":2399.875,"end":2400.115,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.20092889666557312},{"word":"try","start":2400.115,"end":2400.275,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.2006703019142151},{"word":"and","start":2400.275,"end":2400.515,"confidence":0.9536133,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18848788738250732},{"word":"email","start":2400.515,"end":2400.835,"confidence":0.99902344,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2180241048336029},{"word":"you","start":2400.835,"end":2401.075,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18887227773666385},{"word":"probably","start":2401.075,"end":2401.3948,"confidence":0.96240234,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.1676783561706543},{"word":"monday","start":2401.3948,"end":2401.875,"confidence":0.91845703,"punctuated_word":"Monday,","sentiment":"neutral","sentiment_score":0.1622709482908249},{"word":"tuesday","start":2401.875,"end":2402.375,"confidence":0.81811523,"punctuated_word":"Tuesday.","sentiment":"neutral","sentiment_score":0.19220122694969177},{"word":"and","start":2402.835,"end":2403.335,"confidence":0.77734375,"punctuated_word":"And,","sentiment":"positive","sentiment_score":0.3734275102615357},{"word":"hopefully","start":2403.795,"end":2404.295,"confidence":0.90283203,"punctuated_word":"hopefully,","sentiment":"positive","sentiment_score":0.5483428239822388},{"word":"every","start":2404.355,"end":2404.6748,"confidence":1.0,"punctuated_word":"every","sentiment":"positive","sentiment_score":0.6354225277900696},{"word":"year","start":2404.6748,"end":2405.1748,"confidence":0.8835449,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.5784992575645447},{"word":"we","start":2405.19,"end":2405.3499,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.6698341369628906},{"word":"get","start":2405.3499,"end":2405.51,"confidence":0.9980469,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.687501847743988},{"word":"a","start":2405.51,"end":2405.5898,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.652181088924408},{"word":"few","start":2405.5898,"end":2405.75,"confidence":1.0,"punctuated_word":"few","sentiment":"positive","sentiment_score":0.626784086227417},{"word":"good","start":2405.75,"end":2406.0698,"confidence":0.9951172,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7426517009735107},{"word":"wins","start":2406.0698,"end":2406.39,"confidence":0.96533203,"punctuated_word":"wins","sentiment":"positive","sentiment_score":0.7241487503051758},{"word":"under","start":2406.39,"end":2406.63,"confidence":0.96533203,"punctuated_word":"under","sentiment":"positive","sentiment_score":0.7865622043609619},{"word":"the","start":2406.63,"end":2406.79,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7996189594268799},{"word":"belt","start":2406.79,"end":2407.03,"confidence":0.7932129,"punctuated_word":"belt,","sentiment":"positive","sentiment_score":0.7145056128501892},{"word":"and","start":2407.03,"end":2407.19,"confidence":0.9970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.708777666091919},{"word":"you","start":2407.19,"end":2407.3499,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7842456102371216},{"word":"guys","start":2407.3499,"end":2407.5898,"confidence":0.9951172,"punctuated_word":"guys","sentiment":"positive","sentiment_score":0.7620895504951477},{"word":"are","start":2407.5898,"end":2407.75,"confidence":1.0,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.8012284636497498},{"word":"in","start":2407.75,"end":2407.8298,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.7950465083122253},{"word":"a","start":2407.8298,"end":2407.91,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8025329113006592},{"word":"great","start":2407.91,"end":2408.15,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.81350177526474},{"word":"position","start":2408.15,"end":2408.55,"confidence":1.0,"punctuated_word":"position","sentiment":"positive","sentiment_score":0.8467015624046326},{"word":"in","start":2408.55,"end":2408.71,"confidence":0.9790039,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.7052391767501831},{"word":"five","start":2408.71,"end":2408.95,"confidence":1.0,"punctuated_word":"five","sentiment":"positive","sentiment_score":0.710686445236206},{"word":"years'","start":2408.95,"end":2409.19,"confidence":0.8713379,"punctuated_word":"years'","sentiment":"positive","sentiment_score":0.702750027179718},{"word":"time","start":2409.19,"end":2409.69,"confidence":0.99902344,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.727973222732544},{"word":"you","start":2415.03,"end":2415.19,"confidence":0.9819336,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.23810409009456637},{"word":"guys","start":2415.19,"end":2415.3499,"confidence":0.9980469,"punctuated_word":"guys","sentiment":"positive","sentiment_score":0.3468301594257355},{"word":"are","start":2415.3499,"end":2415.5898,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16253137588500977},{"word":"most","start":2415.5898,"end":2415.8298,"confidence":0.99121094,"punctuated_word":"most","sentiment":"positive","sentiment_score":0.37973007559776306},{"word":"welcome","start":2415.8298,"end":2416.3298,"confidence":0.99902344,"punctuated_word":"welcome.","sentiment":"positive","sentiment_score":0.4685790538787842},{"word":"have","start":2416.8308,"end":2417.0708,"confidence":1.0,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.42853599786758423},{"word":"a","start":2417.0708,"end":2417.151,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5313410758972168},{"word":"great","start":2417.151,"end":2417.651,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.6695836186408997},{"word":"weekend","start":2420.421,"end":2420.671,"confidence":1.0,"punctuated_word":"weekend.","sentiment":"positive","sentiment_score":0.3801787495613098},{"word":"cheers","start":2420.671,"end":2421.0708,"confidence":0.8852539,"punctuated_word":"Cheers.","sentiment":"positive","sentiment_score":0.5551792979240417},{"word":"bye","start":2421.0708,"end":2421.5708,"confidence":0.99658203,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.09668661653995514}],"paragraphs":{"transcript":"\nGood day, Pedro. Tommy here, senior adviser from. How are you going today? Hey. Good morning, Patrick.\n\nGood to hear. Good to hear. I'm just giving you a call to go through the property self managed super fund discussion with you and Viv. Are you still available? Yep.\n\nMate, that's no worries at all. We're gonna go through some pretty specific details today. Are you okay for me to do that usual security check while you do that? Yep. I just need you to confirm date of birth and address when you get it set.\n\nMhmm. Sensational. And I'll do just quickly the same as Viv when she hops on as well. No worries at all. Perfect.\n\nHi, Vivian. It's Tommy here. I'm the senior adviser at Oakview. How are you going today? No worries at all.\n\nI had a free hour before the end of the week, so why not fork legislation changes and all the fun of property and super? Do you mind if I just quickly check security with you just because I'm gonna take into account your personal details too? So I just need your date of birth and address, please. Perfect. Thank you so much for that.\n\nAnd just so you know who you were talking to, I'm registered with Asic as adviser 1273105, and all the recalls calls are recorded for training and quality purposes. Awesome. Now so based on the notes, guys, bit of urgency here, I believe you guys have possibly found a property and are looking to purchase through Super. Is that right? Awesome.\n\nSo couple of things I need to go through with you. I've already looked at both of your files and had a bit of an idea and a few list of things I wanted to cover. But just let me know where you're up to at the moment. So you've found a property. Have you engaged with any accountants or brokers at the moment?\n\nNo. No. I don't. Okay. Alrighty.\n\nCan you walk me through the property that you found just in terms of how much the the purchase price of the property? Yep. Yep. Yep. Yep.\n\nAbsolutely. So where I'll start with that is the 5% that you were just talking about, was that what you were thinking if you were purchasing it personally? Oh, for a deposit. Sorry. Was it a 5% deposit to purchase it directly?\n\nYep. Okay. Cool. So when it comes to purchasing through super, I'll give you, I guess, in layman's terms how the structure works. Are you familiar at all with the structure of self managed super funds?\n\nSo I'll give you the full breakdown, and then we'll kind of step through pros, cons, and what's possible and what's not. So to create a super fund, you essentially need to create the entities that become that trustee, that become that fund. So you guys are with Hub. They are a trustee. You're gonna create one of those.\n\nSo what that basically entails is you engage an accountant to create a trust fund and a trustee. So usually, it's a company, a trust in a company that creates your entity of a super fund. With me so far? Yep. Now from that point, you do need to create another bear trust and bear trustee, which is to hold the loan.\n\nBecause what they're banning at the moment after that forty five day cutoff is called LRBA, limited recourse borrowing arrangement. In order to borrow money with your super, you need to go through this extra structure, which is basically another trust in another company holds the loan a little bit off to the side. So you have two trust funds and two companies. Does that make sense? Cool.\n\nSo that usually costs anywhere between, I guess, 2 and 5,000 through the super fund. I know some accountants like to charge you directly and you have to reimburse yourself, but some of them will let you just set it up. And then once it's all established, you can kind of just pay their invoices through Superfunds. Cool. So you get your four entities set up.\n\nThat's what the accountant does. Obviously, brokers to do lending. Normally, with Superfund lending, it used to be a 50% deposit, but these days, 20% is pretty good. And based on 800,000 and the balance that you guys have, which is about $3.75 combined, little bit in CareSuper, 20% deposit is not gonna be a problem for you guys. K?\n\nNow I believe your incomes, you're both pretty well 6 figures in terms of income. I think combined household income's over 200 thousand. Cool. So in terms of serviceability, rather than going off, like, your direct income as if you were owning another property of loan, they're going off your super contributions and the rent in terms of cash flow and serviceability. So your employer contribution and the rent, that's what they take into account for the servicing of the loan.\n\nDoes that make sense? Cool. So on paper, the property purchase price, the funds that you've got, income and contributions that you've got, I don't see any problems with 800,000. K? Now in terms of the advice process for us to be involved, what we normally do past that point so let's say you've got the account set up your trust funds and companies.\n\nYou've got all these entities. Now you have a super fund. You actually need the accounts to facilitate it. So what we do in our strategy is we recommend, like, a bank account so that the funds can come in and it can pay the loans and roll funds in from your super and pay for fees and premiums and contributions. The bank account kind of acts as that central hub for all the money to flow through.\n\nAlongside that, we normally open, like, an investment account that mimics what your hub twenty four does so that all the funds can come in and buy the property. Anything that's not needed for the property, you can continue to invest that like you were doing for your super. So both can kind of grow in parallel. Does that make sense? Now at this point, because of the cost of the accountant so I usually estimate $5 for the entities.\n\nAnd the self managed super fund advice, we usually charge $4.09 5 o. So another $5 for the advice, the accounts, the strategy, the application, the rollovers, and so on. So that's about 10,000 upfront. And then you've got usually about 10 to 20, usually keep aside the things like stamp duty and usual borrowing costs when you get a property. Things you'd be familiar with.\n\nK? Now in terms of risk, so because of this cutoff period that we've got, because you're doing off plan, I'm assuming you're gonna be able to get a contract signed relatively quickly. Is that right? Yep. So that's not too much of a problem.\n\nFor us, the accountants usually only take one to two weeks to set up all the entities, and we usually go about a fortnight to do the advice, start doing the application, open accounts, and the rollovers can take anywhere between one to three weeks. So on face value, if we started this process with you guys on Monday, we would pretty much just get everything set up in time. The risk is if there's any delay that we wouldn't get the money rolled across and ready for the loan in time. The thing that I'm kind of concerned with at the moment, I've just been talking to all of our brokers in the network. There's about four or five.\n\nThey're not actually sure whether the banks will continue to do the lending and applications all the way up until that forty fifth day. And if you've got the contract signed, there's no guarantee that they'll actually finalize the loan for you day 46, day 47. Like, let's say you submit it day 39, there's no guarantee they will honor the application and actually approve it after that date occurs on the August 7. K? So what I'm basically saying here is you're in an actual good financial position to do this through Super, but the risks are that if we don't get it all lined up in time in terms of the accounts, the entities, and the lending, is you may have gone through all of this to set it all up, pay all this money, and then you just missed out by four days.\n\nSo my my honest answer here is you're probably better off purchasing it directly than rather than through super. And if you're gonna go through the super outlet, say that you're adamant, no. We've got it here. We know it's financially viable. We're just gonna go ahead and get this done in time, is even potentially skip us altogether.\n\nNow so skip using our Q Financial altogether is an option that you do have. So for example, let's say you engage an accountant and set up all your entities, and then you just open up your own self managed super fund bank account with whichever bank owned by those entities, we can help you sell down funds and roll the funds across. But for us to step in and do the advice and tell you which providers to go with, that's gonna be the part that pushes you over that line and possibly gets you to miss out on that deal. So what you're gonna take into account, are you comfortable to try it yourself? It's probably the opposite there, Viv, because if you getting the contract signed before that forty five day cutoff, that's the most important thing, and then it's making sure that you get the loan application approved in time.\n\nCorrect. So if we try and go through our usual advice process, get you to sign your statements of advice, set up accounts and applications and everything, that might be three, four weeks down the line before we get all the funds rolled across if everything goes perfectly. Whereas technically, and I'm not telling you to do this, but if you engage that account and set everything up, you could literally go to the bank with all of your information and then just open up the bank account straight away within a couple of days. K. So I'm just giving you that option to say, like, you don't have to go the route that I'm saying.\n\nThat's our standard process. The risk is that we miss it by a couple of days. If it's something that you're really set on pursuing yourself, you can do that. We can help facilitate things like selling down your hub 24 so it's available to roll across quickly. But you just need a really good accountant who can actually set everything up and actually do the rollovers properly.\n\nWhat's been happening this year for me personally is I've gone through five self managed super fund setups. Three of them took about six to eight weeks. One of them took four months. One of them took nine months. And that was just Superfunds being weird about details.\n\nThe ACO taking its time to apply bank account details to allow rollovers. Whoever was typing in the details from the SuperStream system was typing in the wrong details of the fund, and then that was bouncing back. And then there's this troubleshooting of every single detail for the trust and the company and the accounts. You've got to make sure you cross reference about 46 digits of data, essentially. Yeah.\n\nSo Yeah. That's a fantastic question, and that's a great way to put it, this. So the ones that we're currently looking after at the moment is people have that bank account, that property, but then they've got, like, a hub or a Macquarie or some sort of investment account linked to it so that we can continue to invest funds and give them advice to help with the retirement goals. Yeah. That's right.\n\nA little bit of help in that sense. What comes down through for you personally that you have to do is every year, you'll do an audit of the super funds and a tax return for the super funds. So you'll go to an accountant, get all the reports printed out from your bank account and rental agents and everything, and you'll have to actually go through an audit process and tax return on a yearly basis to maintain that fund every year. I think it's about 2,200 a year that they charge most of the county. Yeah.\n\nYes. Yeah. I mean, we've got, like I said, five different brokers, and I usually do the, you know, general advice and the strategy side of things. And then it's just trying to link you up with the right people. I don't know if you guys just use your bank or Yeah.\n\nHave you guys ever had an investment property before? Yep. Yeah. Yeah. Yep.\n\nYeah. Get to put in the market and start, you know, building assets personally, I guess, is what you're trying to do. Right? Yeah. So you don't have that deposit built up at the moment or or property to borrow off?\n\nYeah. And the cool thing too is now that you kind of settled, I have actually given you guys a dedicated adviser, Dana, who's gonna be looking after you as as a couple, and we're able to kind of look at you as a family unit to discuss and plan these joint goals rather than talking to different advisers, getting different opinions sort of thing. So that's gonna be really helpful because Dana's fantastic. She will go to the end of the year for her clients all night, every night, and figure out everything that's possible. She's brilliant.\n\nNow when I look at you guys as a as a couple, would you would you say that you're kind of first home buyers if you guys owned a property before? Yep. So the good thing at least is that it's not the best legislation in the world, but there are those those rules now that people can do, like you said, the 5% deposit, and you get to skip the the LMI for not having a 20% deposit for your first time. So there's definitely things that the government's trying to do to give you guys access to it, and you've got good income. So at some point, you'll be able to get into it.\n\nIt's about how and when. Now one of the things that you can do is exactly what you said is, do you go for that first home that you own and and live in yourself and then an investment after that? Or do you get the investment first and then use that as a stepping stone to your own home? Now that property that you're looking at already for 800,000, that I'm assuming is it been recently built? It's pretty how long would that property be, the the apartment?\n\nYep. Okay. So I'm definitely gonna say a no on the self managed super route because if it's not finished yet, you may run into even more trouble where the lender just says, no. We're not gonna we're not gonna approve this application. But there's a couple of cool things.\n\nSo because it's new, you get to avoid all those issues of not having to not being able to do negative gearing and things like that because the government wants it to be focused on new properties to get those benefits. So a new investment property or your own home, that's your best two options, and that's the route to go. Just to sort of take a step back in terms of a few basics of lending here. So when I got my investment property, we had paid down our mortgage a little bit. So we had a bit of equity, and we basically borrowed a bit off of that home to get the deposit for the next place.\n\nNow the way it kind of works is, let's say, I need a it's an $800,000 property, and I need a $200,000 deposit. So I'm borrowing 200 off my home so that goes up in my repayments increase. But then I only need 600 on the investment property to make the full 800,000. So, overall, you've got 800,000 in debt, but 200 you kind of got on your own home paying personally, 600 is on the property. Now what this kind of means is there's this really cool little trick I do where if you have an $800,000 property, if it's paying you 800 a week rent, that's a 5% rental return.\n\nDo you know how much that property would be renting for approximately? Is it $9,001,000, something above there? Yep. Yep. Yep.\n\nSo anything above 800 a week, you're starting to go up to six or 7% rental return. And the reason why I say that is because the the interest rates these days, You're going to be paying that 6 or 7% interest rate for that loan. So you wanna kind of make sure that it can kind of pay for itself to a degree and that you're not forking out $500 a week personally just to keep it running. Right? So negative gearing is okay.\n\nLike, if it's a $100 that you're forking out for it and you get to claim some tax deductions, that's good. But, you know, you guys don't wanna buy an $800,000 property that costs you 400 a week on top of the rent that it brings in. That's what puts people under very quickly. So $9.50 1,000 starts to get better because you're talking, let's say, 7% interest on a $600,000 loan, but a 7% return on 800,000. So you kind of take into account all your costs and repairs and agent fees.\n\nYou're getting close to breaking even with that type of property. So I guess the the the problem that I've got though is if you guys don't have the cash available to the deposit, and like you said, you don't have any assets to borrow off at this point. So your main thing would be building up that cash buffer to either get your home or get the investment property. Either way is not a bad idea. Getting the investment property and then building wealth that way, rents vesting, it's not the worst idea, and buying your home and paying it off to the point to get the investment property is not a bad idea either.\n\nBoth of them are good. You do just need a bit of cash behind you. K? Now just walk me through briefly as well. So in terms of your own cash flow, you've just gone through, like you said, the children.\n\nEverything's kind of more stable now. What's the budget looking like for you guys? Are you able to put aside a little bit that you know of on a weekly, fortnightly basis? Yeah. And can I just say as well just the most of the people I'm talking through this year, 80% of the people I've spoken to are in the same boat?\n\nI have a lot of families who have a combined income of 150 to 250,000. No one's able to save. No one's building deposits. People are kind of just punching their budgets and going, like, what do I do? Do I get rid of the Netflix?\n\nSo that's only 13 dollars a month. That's not a deposit. If you looked at your budget, I would be I would kind of guess that you're not doing anything too majorly wrong. Like, I I haven't looked at it with you, and it's something that we do do. We do break down budgets with people and see if there is anything glaring that we can point out, but the whole country is kind of in that same boat.\n\nIf you're not living in the cheapest suburb of Queensland or Western Australia or in the country of New South Wales areas, nobody in the major centers is actually getting ahead right now despite having that good, you know, dual six figure incomes. So I guess it sounds kind of a a bit of defeatism to say like, oh, what can you do? You just kind of get stuck. But what I've been telling people that this is usually temporary to the point where we go through these periods where the majority of our generation kind of struggle for that decade, whether it's a recession or or a depression or something like that, but it never lasts thirty, forty, fifty years. Not that you have to wait thirty years to get your first property, but I'm just saying that, like, just take some heart in the fact that you're not doing something astronomically wrong and everyone else is having a great time.\n\nIt's like we're all kind of in the same boat. Yep. Even myself. So I've got investments. I've got investment properties, good income, free children, and so on.\n\nWe're kind of just been in the holding pattern for two years now where we're just trying to keep things moving because everything's gone up. The the groceries is $3.04, 500 a week. The electricity is a thousand a quarter, but we've got solar and it's just like everywhere I look, there's just money flooding out for everything under the sun. So one thing that definitely budget assistance, we can send through a budget planner, fill that in. If there's anything that I can notice with Dana that's glaringly obvious, we'll let you know.\n\nOutside of that, when we can get some cash built up, we've got all the brokers that can get you the best best loans, best structures for you guys, whether it's your own home or an investment. We've got the professional network available for you guys. Just to kind of cycle back to the start of the conversation, I don't think you should put yourself through the stress of trying to set up a a super fund to buy a property right now because it's stressful enough normally, and I've been doing it for twelve years now. SMSFs are quite stressful to to set up and also run. And this cutoff period where if we start on Monday, we've got thirty nine days, I've never seen anything like it before.\n\nSo I'm at that point where I would love to say, yeah. We'll charge you some money, and we'll set this up, and I'll promise you everything under the sun. But for everything to line up between the broker, the accountants, the banks, the advisers, the application, the accounts, something's gonna go wrong. Something's gonna delay it for a week. It happens every day.\n\nYou know what I mean? Yeah. So if you're comfortable, I I wish I could just hop on this call and just give you quick easy answers and be like, yep. You're gonna have a property in your super tomorrow and another one to live in a year later. We have to go through this sort of slow twelve to twenty four month period of either being very, very deliberate about what we do with every dollar or just waiting for things to kind of ease up a little bit when the economy comes down.\n\nK? Would you guys like me to send through a bit of a budget planner, get Dana to kind of break it down with you and kind of see if we can notice anything, or do you feel pretty confident with your own cash flow? Yeah. Yeah. And look, I've got these clients at the moment who are exactly like you guys in a similar position.\n\nAnd I've already been on the phone three times today to a buyer's agent, a broker, and an accountant for them. And they have four professionals working on a daily basis to try and get theirs done. And like I said, it's been taking months. So they're having to put in a lot of time on a daily basis to forward documents around, sign documents, do phone calls, make decisions, and it's been quite an ordeal for them despite our expertise in making it as smooth as possible. But one thing too is like yeah.\n\nYou go for it. Yeah. Sorry. It just cut out for a few seconds there. I do have you back.\n\nNo. I just heard the part where you were saying about if things are going to be better in twelve to twenty four months time, can we look at the super fan and then it kind of cut out. Yeah. So yeah. Correct.\n\nSo a couple of things I'd say to that is when you have a self managed super fund, people do it for different reasons. Some people do it to borrow for a property. Some people just want a really specific investment. Like, I've seen people buy a bunch of gold bullion and put it in the safe, and creating your own super fund allows you to do the unorthodox things outside of what a regular fund allows. The other thing is that your, you know, your hub 24 and and these sorts of super funds, they can invest you into pretty much any type of asset.\n\nWe've got property investments and gold and shares and all these kinds of things. So it's not a problem to actually do all kinds of different investments and get a really good portfolio. But the one problem that you've got with what you mentioned is let's say you set up that self managed super fund. Once that cutoff happens on the August 7, no one will be allowed to borrow money to purchase that residential investment property anymore. So yeah.\n\nSo as soon as that August 7 happens, they are banning borrowing off of your super to purchase a residential investment property. And if it's not in by then, it's no longer available. So that's why I was worried saying, if we were to go through all this and you spend 10,000 dollars of your super to set everything up, and then it's like, oh, you missed it by two days, better, like, close it all down and start again. You just lost $10 and a month's work. Yeah.\n\nNo. You're okay. It is it's a lot of wrap your mind around, especially at the first time. It's complicated enough as it is to understand verbally, and normally I send through flowcharts and things like that as well, but the legislation just makes it more difficult. One of the things I would say though as well is that we're not just like the superannuation guys.\n\nIf we get to that review in twelve months time and there's other things for us to help you with, Dana and myself and the team, we're gonna coach you through it. We're gonna get you in touch with the right people. We want everybody to progress through those life stages into those different goals to get the home and the investments and build your wealth and branch out into whatever you're comfortable doing. We just start off with that basis of, you know, superannuation and so on, but we're there alongside you guys the entire time. Okay?\n\nSo anytime you need a chat, book in to have a chat, and we'll kind of coach you through it. One thing as a bit of a bit of homework, you did mention that you and you guys need to sit down to talk through your finances a little bit. And one thing if you can do it, I don't know if you've done it before. It's a really good way to just flag if there is an issue or not, is just sit down with Pedro sometime and work out of all the things that you spend money on. How much would you categorize as, like, living expenses, like rent and electricity and and those fuel and all those must haves?\n\nPut that in a category, then put in your, I guess, your splurging. How much do you spend on the coffee at the shops and buying alcohol and going to the movies? That's your splurge category. Then you've got long term stuff. How much are you putting aside to pay for holidays and and the larger things of life, and then how much can you actually save?\n\nWhat this does is if you do that as a percentage of your income, usually, you wanna aim for about no more than 60% of your income going to expenses and no more than 10% of your income going towards just splurging money on this, that, and the other. So if your expenses end up being 75% of your income, well, that's the area to focus on. Right? It's either how do we get our expenses down or our income up. And then if the splurge is the quarter of what you earn, then that's what you look at for cutting and so on.\n\nSo the first thing you do is just get a lay of the land and go, okay. This is all must have absolutely necessary expenses. This is all the the sort of crap, so I'm sorry to say, that we're spending on. Let's percentage it on our incomes as a common combination, and then just see where the red flag is. 60 percent, 10%, 10%, 20% for expenses, splurging, long term, fun, and savings is the goal.\n\nAnd you can see very quickly where you guys are are spending the money. And so I'll include that in an email, and I'll send through, like, the budget spreadsheet and just a bit of a a bit of a shortcut breakdown for it. But at any point, that's probably your next step is just to sit down and go through it. You don't have to do it very often because if you do identify some things to change, you still need to kind of give it a go for a few months and then adjust from there because no one's perfect with budgeting those first three months. It usually takes a couple of years of refining it, if that makes sense.\n\nOkay. Now I hope that's been helpful, guys. I'm sorry I couldn't give you some easy answers today. Awesome. I'm glad.\n\nDo you have the questions you've got me that I haven't covered off on? Absolutely. Like I said, Dana is your dedicated adviser. I'm here to assist you, and so is Larissa, our head of advice. If at any point you would like to speak to someone, please just call the team and book in with Dana or ourselves.\n\nAnd like I said, I'll try and email you probably Monday, Tuesday. And, hopefully, every year, we get a few good wins under the belt, and you guys are in a great position in five years' time. You guys are most welcome. Have a great weekend. Cheers.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good day, Pedro.","start":2.8,"end":3.6799998,"sentiment":"positive","sentiment_score":0.5086976885795593},{"text":"Tommy here, senior adviser from.","start":3.6799998,"end":5.38,"sentiment":"positive","sentiment_score":0.33575503826141356},{"text":"How are you going today?","start":5.52,"end":6.66,"sentiment":"positive","sentiment_score":0.3592680513858795},{"text":"Hey.","start":8.0,"end":8.24,"sentiment":"positive","sentiment_score":0.37213194370269775},{"text":"Good morning, Patrick.","start":8.24,"end":9.22,"sentiment":"positive","sentiment_score":0.5127160549163818}],"sentiment":"positive","sentiment_score":0.406558154260411,"num_words":17,"start":2.8,"end":9.22},{"sentences":[{"text":"Good to hear.","start":9.5199995,"end":10.0,"sentiment":"positive","sentiment_score":0.6429755687713623},{"text":"Good to hear.","start":10.0,"end":10.48,"sentiment":"positive","sentiment_score":0.5549193223317465},{"text":"I'm just giving you a call to go through the property self managed super fund discussion with you and Viv.","start":10.48,"end":16.985,"sentiment":"neutral","sentiment_score":0.17200362496078014},{"text":"Are you still available?","start":16.985,"end":17.965,"sentiment":"neutral","sentiment_score":0.04451639112085104},{"text":"Yep.","start":21.785,"end":22.285,"sentiment":"neutral","sentiment_score":0.13104590773582458}],"sentiment":"neutral","sentiment_score":0.236866730475618,"num_words":31,"start":9.5199995,"end":22.285},{"sentences":[{"text":"Mate, that's no worries at all.","start":22.505001,"end":24.205,"sentiment":"neutral","sentiment_score":0.21574856340885162},{"text":"We're gonna go through some pretty specific details today.","start":24.744999,"end":28.28,"sentiment":"neutral","sentiment_score":0.14793970932563147},{"text":"Are you okay for me to do that usual security check while you do that?","start":28.28,"end":31.26,"sentiment":"neutral","sentiment_score":0.06315257251262665},{"text":"Yep.","start":34.28,"end":34.52,"sentiment":"neutral","sentiment_score":0.11685117334127426},{"text":"I just need you to confirm date of birth and address when you get it set.","start":34.52,"end":37.82,"sentiment":"neutral","sentiment_score":0.0682962816208601}],"sentiment":"neutral","sentiment_score":0.10176231981591975,"num_words":47,"start":22.505001,"end":37.82},{"sentences":[{"text":"Mhmm.","start":45.734997,"end":46.054996,"sentiment":"neutral","sentiment_score":0.040441036224365234},{"text":"Sensational.","start":46.054996,"end":46.554996,"sentiment":"neutral","sentiment_score":0.05846000835299492},{"text":"And I'll do just quickly the same as Viv when she hops on as well.","start":46.774998,"end":50.074997,"sentiment":"neutral","sentiment_score":0.0826088105638822},{"text":"No worries at all.","start":52.15,"end":53.210003,"sentiment":"neutral","sentiment_score":0.07105263974517584},{"text":"Perfect.","start":79.9,"end":80.4,"sentiment":"positive","sentiment_score":0.34970539808273315}],"sentiment":"neutral","sentiment_score":0.08963405273177406,"num_words":22,"start":45.734997,"end":80.4},{"sentences":[{"text":"Hi, Vivian.","start":80.54,"end":81.18,"sentiment":"neutral","sentiment_score":0.20195281505584717},{"text":"It's Tommy here.","start":81.18,"end":81.98,"sentiment":"neutral","sentiment_score":0.1542157232761383},{"text":"I'm the senior adviser at Oakview.","start":81.98,"end":83.42,"sentiment":"neutral","sentiment_score":0.1551928917566935},{"text":"How are you going today?","start":83.42,"end":84.4,"sentiment":"neutral","sentiment_score":0.23648640513420105},{"text":"No worries at all.","start":87.515,"end":88.795,"sentiment":"neutral","sentiment_score":0.08948360197246075}],"sentiment":"neutral","sentiment_score":0.16690382920205593,"num_words":20,"start":80.54,"end":88.795},{"sentences":[{"text":"I had a free hour before the end of the week, so why not fork legislation changes and all the fun of property and super?","start":88.795,"end":96.495,"sentiment":"neutral","sentiment_score":0.059441728442907335},{"text":"Do you mind if I just quickly check security with you just because I'm gonna take into account your personal details too?","start":97.915,"end":103.85999,"sentiment":"neutral","sentiment_score":0.030457176606763493},{"text":"So I just need your date of birth and address, please.","start":104.799995,"end":107.619995,"sentiment":"neutral","sentiment_score":0.016887798990038307},{"text":"Perfect.","start":120.435005,"end":120.835,"sentiment":"positive","sentiment_score":0.4176559448242187},{"text":"Thank you so much for that.","start":120.835,"end":122.195,"sentiment":"positive","sentiment_score":0.5726692179838816}],"sentiment":"neutral","sentiment_score":0.09531597135445247,"num_words":65,"start":88.795,"end":122.195},{"sentences":[{"text":"And just so you know who you were talking to, I'm registered with Asic as adviser 1273105, and all the recalls calls are recorded for training and quality purposes.","start":122.195,"end":132.5,"sentiment":"neutral","sentiment_score":0.09574003588279774},{"text":"Awesome.","start":134.48001,"end":134.98001,"sentiment":"neutral","sentiment_score":0.00626766262575984},{"text":"Now so based on the notes, guys, bit of urgency here, I believe you guys have possibly found a property and are looking to purchase through Super.","start":135.04001,"end":144.055,"sentiment":"neutral","sentiment_score":0.060753378120285494},{"text":"Is that right?","start":144.055,"end":144.875,"sentiment":"neutral","sentiment_score":0.1152862161397934},{"text":"Awesome.","start":147.095,"end":147.575,"sentiment":"positive","sentiment_score":0.6242952346801758}],"sentiment":"neutral","sentiment_score":0.08841350484547801,"num_words":61,"start":122.195,"end":147.575},{"sentences":[{"text":"So couple of things I need to go through with you.","start":147.575,"end":150.395,"sentiment":"neutral","sentiment_score":0.17305129089138724},{"text":"I've already looked at both of your files and had a bit of an idea and a few list of things I wanted to cover.","start":150.61499,"end":155.83499,"sentiment":"neutral","sentiment_score":0.0674986083060503},{"text":"But just let me know where you're up to at the moment.","start":156.1,"end":158.34,"sentiment":"neutral","sentiment_score":0.061748694318036236},{"text":"So you've found a property.","start":158.34,"end":159.64,"sentiment":"neutral","sentiment_score":0.039322066307067874},{"text":"Have you engaged with any accountants or brokers at the moment?","start":159.86,"end":162.68001,"sentiment":"neutral","sentiment_score":0.014250121841376478}],"sentiment":"neutral","sentiment_score":0.07320899079786614,"num_words":64,"start":147.575,"end":162.68001},{"sentences":[{"text":"No.","start":163.94,"end":164.26001,"sentiment":"neutral","sentiment_score":-0.17899158596992493},{"text":"No.","start":164.26001,"end":164.5,"sentiment":"neutral","sentiment_score":-0.30362433195114136},{"text":"I don't.","start":164.5,"end":165.16,"sentiment":"neutral","sentiment_score":-0.2550727128982544},{"text":"Okay.","start":165.46,"end":165.96,"sentiment":"neutral","sentiment_score":-0.03890129551291466},{"text":"Alrighty.","start":166.26001,"end":166.76001,"sentiment":"neutral","sentiment_score":0.013998953625559809}],"sentiment":"neutral","sentiment_score":-0.16961061426748833,"num_words":6,"start":163.94,"end":166.76001},{"sentences":[{"text":"Can you walk me through the property that you found just in terms of how much the the purchase price of the property?","start":167.3,"end":174.165,"sentiment":"neutral","sentiment_score":0.008620919011857199},{"text":"Yep.","start":179.985,"end":180.485,"sentiment":"neutral","sentiment_score":0.007321055047214031},{"text":"Yep.","start":187.08,"end":187.58,"sentiment":"neutral","sentiment_score":0.01877167448401451},{"text":"Yep.","start":218.72,"end":219.22,"sentiment":"neutral","sentiment_score":0.159380242228508},{"text":"Yep.","start":233.885,"end":234.28499,"sentiment":"neutral","sentiment_score":0.10132982581853868}],"sentiment":"neutral","sentiment_score":0.017966071661147807,"num_words":27,"start":167.3,"end":234.28499},{"sentences":[{"text":"Absolutely.","start":234.28499,"end":234.78499,"sentiment":"neutral","sentiment_score":0.15535485744476318},{"text":"So where I'll start with that is the 5% that you were just talking about, was that what you were thinking if you were purchasing it personally?","start":235.00499,"end":242.53,"sentiment":"neutral","sentiment_score":0.022243073899988777},{"text":"Oh, for a deposit.","start":246.59001,"end":247.55,"sentiment":"neutral","sentiment_score":-0.010125312255695462},{"text":"Sorry.","start":247.55,"end":247.79001,"sentiment":"neutral","sentiment_score":-0.03925224393606186},{"text":"Was it a 5% deposit to purchase it directly?","start":247.79001,"end":250.45001,"sentiment":"neutral","sentiment_score":-0.013050979210270775}],"sentiment":"neutral","sentiment_score":0.013302513021266177,"num_words":42,"start":234.28499,"end":250.45001},{"sentences":[{"text":"Yep.","start":252.645,"end":253.04501,"sentiment":"neutral","sentiment_score":0.04972405359148979},{"text":"Okay.","start":253.04501,"end":253.365,"sentiment":"neutral","sentiment_score":0.1012105867266655},{"text":"Cool.","start":253.365,"end":253.765,"sentiment":"neutral","sentiment_score":0.13599644601345062},{"text":"So when it comes to purchasing through super, I'll give you, I guess, in layman's terms how the structure works.","start":253.765,"end":262.025,"sentiment":"neutral","sentiment_score":0.06641692258417606},{"text":"Are you familiar at all with the structure of self managed super funds?","start":262.165,"end":265.945,"sentiment":"neutral","sentiment_score":0.014112235118563358}],"sentiment":"neutral","sentiment_score":0.04996468318212363,"num_words":36,"start":252.645,"end":265.945},{"sentences":[{"text":"So I'll give you the full breakdown, and then we'll kind of step through pros, cons, and what's possible and what's not.","start":268.73,"end":274.59,"sentiment":"neutral","sentiment_score":0.05518465819345279},{"text":"So to create a super fund, you essentially need to create the entities that become that trustee, that become that fund.","start":274.89,"end":284.78497,"sentiment":"neutral","sentiment_score":0.07380561193539983},{"text":"So you guys are with Hub.","start":284.78497,"end":286.06497,"sentiment":"neutral","sentiment_score":0.07494822703301907},{"text":"They are a trustee.","start":286.06497,"end":287.04498,"sentiment":"neutral","sentiment_score":0.05988755915313959},{"text":"You're gonna create one of those.","start":287.185,"end":288.88498,"sentiment":"neutral","sentiment_score":0.06538727569083373}],"sentiment":"neutral","sentiment_score":0.06517870481110226,"num_words":59,"start":268.73,"end":288.88498},{"sentences":[{"text":"So what that basically entails is you engage an accountant to create a trust fund and a trustee.","start":289.10498,"end":297.28,"sentiment":"neutral","sentiment_score":0.06174539981616868},{"text":"So usually, it's a company, a trust in a company that creates your entity of a super fund.","start":297.82,"end":304.08002,"sentiment":"neutral","sentiment_score":0.04188160929414961},{"text":"With me so far?","start":304.54,"end":305.68002,"sentiment":"neutral","sentiment_score":0.02506855223327875},{"text":"Yep.","start":307.34,"end":307.84,"sentiment":"neutral","sentiment_score":0.03529737889766693},{"text":"Now from that point, you do need to create another bear trust and bear trustee, which is to hold the loan.","start":307.90002,"end":316.54498,"sentiment":"neutral","sentiment_score":-0.03270684200383368}],"sentiment":"neutral","sentiment_score":0.021193775318322644,"num_words":62,"start":289.10498,"end":316.54498},{"sentences":[{"text":"Because what they're banning at the moment after that forty five day cutoff is called LRBA, limited recourse borrowing arrangement.","start":316.54498,"end":324.965,"sentiment":"neutral","sentiment_score":-0.13795079458504916},{"text":"In order to borrow money with your super, you need to go through this extra structure, which is basically another trust in another company holds the loan a little bit off to the side.","start":325.39,"end":336.77002,"sentiment":"neutral","sentiment_score":-0.02998878894483342},{"text":"So you have two trust funds and two companies.","start":336.99002,"end":339.73,"sentiment":"neutral","sentiment_score":0.03596549895074633},{"text":"Does that make sense?","start":339.95,"end":341.01,"sentiment":"neutral","sentiment_score":0.04294640338048339},{"text":"Cool.","start":342.60498,"end":343.005,"sentiment":"neutral","sentiment_score":0.3138880133628845}],"sentiment":"neutral","sentiment_score":-0.043665758799761534,"num_words":68,"start":316.54498,"end":343.005},{"sentences":[{"text":"So that usually costs anywhere between, I guess, 2 and 5,000 through the super fund.","start":343.005,"end":348.38498,"sentiment":"neutral","sentiment_score":0.19849766890207926},{"text":"I know some accountants like to charge you directly and you have to reimburse yourself, but some of them will let you just set it up.","start":349.245,"end":355.41,"sentiment":"neutral","sentiment_score":0.09672354820829171},{"text":"And then once it's all established, you can kind of just pay their invoices through Superfunds.","start":355.41,"end":360.07,"sentiment":"neutral","sentiment_score":0.11801580991595984},{"text":"Cool.","start":362.13,"end":362.53,"sentiment":"positive","sentiment_score":0.42988938093185425},{"text":"So you get your four entities set up.","start":362.53,"end":364.13,"sentiment":"positive","sentiment_score":0.35506900399923325}],"sentiment":"neutral","sentiment_score":0.1613783584625432,"num_words":66,"start":343.005,"end":364.13},{"sentences":[{"text":"That's what the accountant does.","start":364.13,"end":365.33,"sentiment":"neutral","sentiment_score":0.28906946182250975},{"text":"Obviously, brokers to do lending.","start":365.33,"end":367.11,"sentiment":"neutral","sentiment_score":0.11330843567848206},{"text":"Normally, with Superfund lending, it used to be a 50% deposit, but these days, 20% is pretty good.","start":367.49,"end":375.26498,"sentiment":"neutral","sentiment_score":0.2128442426522573},{"text":"And based on 800,000 and the balance that you guys have, which is about $3.75 combined, little bit in CareSuper, 20% deposit is not gonna be a problem for you guys.","start":375.405,"end":388.69,"sentiment":"positive","sentiment_score":0.37993320486237925},{"text":"K?","start":391.55002,"end":392.05002,"sentiment":"neutral","sentiment_score":0.07985258102416992}],"sentiment":"neutral","sentiment_score":0.2950144631167253,"num_words":60,"start":364.13,"end":392.05002},{"sentences":[{"text":"Now I believe your incomes, you're both pretty well 6 figures in terms of income.","start":392.11002,"end":396.99002,"sentiment":"neutral","sentiment_score":0.1839500144124031},{"text":"I think combined household income's over 200 thousand.","start":396.99002,"end":401.22504,"sentiment":"neutral","sentiment_score":0.17260602302849293},{"text":"Cool.","start":402.24503,"end":402.74503,"sentiment":"neutral","sentiment_score":0.07372277975082397},{"text":"So in terms of serviceability, rather than going off, like, your direct income as if you were owning another property of loan, they're going off your super contributions and the rent in terms of cash flow and serviceability.","start":402.80502,"end":415.38998,"sentiment":"neutral","sentiment_score":0.07593701593577862},{"text":"So your employer contribution and the rent, that's what they take into account for the servicing of the loan.","start":416.25,"end":423.13,"sentiment":"neutral","sentiment_score":0.08996394237405375}],"sentiment":"neutral","sentiment_score":0.1087499097633509,"num_words":81,"start":392.11002,"end":423.13},{"sentences":[{"text":"Does that make sense?","start":423.13,"end":424.19,"sentiment":"neutral","sentiment_score":0.12747138552367687},{"text":"Cool.","start":426.265,"end":426.58502,"sentiment":"positive","sentiment_score":0.4553515911102295},{"text":"So on paper, the property purchase price, the funds that you've got, income and contributions that you've got, I don't see any problems with 800,000.","start":426.58502,"end":436.285,"sentiment":"neutral","sentiment_score":0.27784702837467196},{"text":"K?","start":439.32,"end":439.82,"sentiment":"neutral","sentiment_score":0.07384288311004639},{"text":"Now in terms of the advice process for us to be involved, what we normally do past that point so let's say you've got the account set up your trust funds and companies.","start":439.88,"end":450.375,"sentiment":"neutral","sentiment_score":0.06748150526122614}],"sentiment":"neutral","sentiment_score":0.15956477186409757,"num_words":64,"start":423.13,"end":450.375},{"sentences":[{"text":"You've got all these entities.","start":450.375,"end":451.495,"sentiment":"neutral","sentiment_score":0.08079699873924255},{"text":"Now you have a super fund.","start":451.495,"end":453.035,"sentiment":"neutral","sentiment_score":0.13144042218724886},{"text":"You actually need the accounts to facilitate it.","start":453.255,"end":456.075,"sentiment":"neutral","sentiment_score":0.07389683183282614},{"text":"So what we do in our strategy is we recommend, like, a bank account so that the funds can come in and it can pay the loans and roll funds in from your super and pay for fees and premiums and contributions.","start":456.135,"end":469.32,"sentiment":"neutral","sentiment_score":0.18377635450590224},{"text":"The bank account kind of acts as that central hub for all the money to flow through.","start":469.46,"end":474.44,"sentiment":"neutral","sentiment_score":0.19942712608505697}],"sentiment":"neutral","sentiment_score":0.16529064377148947,"num_words":78,"start":450.375,"end":474.44},{"sentences":[{"text":"Alongside that, we normally open, like, an investment account that mimics what your hub twenty four does so that all the funds can come in and buy the property.","start":477.325,"end":485.825,"sentiment":"neutral","sentiment_score":0.24836889577322993},{"text":"Anything that's not needed for the property, you can continue to invest that like you were doing for your super.","start":486.04498,"end":491.585,"sentiment":"neutral","sentiment_score":0.28845382332801817},{"text":"So both can kind of grow in parallel.","start":491.72,"end":494.28003,"sentiment":"positive","sentiment_score":0.3530012182891369},{"text":"Does that make sense?","start":494.28003,"end":495.34003,"sentiment":"neutral","sentiment_score":0.20850516855716705},{"text":"Now at this point, because of the cost of the accountant so I usually estimate $5 for the entities.","start":497.64,"end":504.14,"sentiment":"neutral","sentiment_score":0.048045666202118524}],"sentiment":"neutral","sentiment_score":0.2192834065295756,"num_words":80,"start":477.325,"end":504.14},{"sentences":[{"text":"And the self managed super fund advice, we usually charge $4.09 5 o.","start":504.54498,"end":508.625,"sentiment":"neutral","sentiment_score":0.07823250987208806},{"text":"So another $5 for the advice, the accounts, the strategy, the application, the rollovers, and so on.","start":508.625,"end":515.745,"sentiment":"neutral","sentiment_score":0.10503114058690913},{"text":"So that's about 10,000 upfront.","start":515.745,"end":518.45,"sentiment":"neutral","sentiment_score":0.10489005297422409},{"text":"And then you've got usually about 10 to 20, usually keep aside the things like stamp duty and usual borrowing costs when you get a property.","start":518.75,"end":527.33,"sentiment":"neutral","sentiment_score":0.04654812039091037},{"text":"Things you'd be familiar with.","start":527.63,"end":529.25,"sentiment":"neutral","sentiment_score":0.027033738419413568}],"sentiment":"neutral","sentiment_score":0.07079427432494634,"num_words":66,"start":504.54498,"end":529.25},{"sentences":[{"text":"K?","start":530.495,"end":530.995,"sentiment":"neutral","sentiment_score":-0.006321323104202747},{"text":"Now in terms of risk, so because of this cutoff period that we've got, because you're doing off plan, I'm assuming you're gonna be able to get a contract signed relatively quickly.","start":531.455,"end":540.495,"sentiment":"neutral","sentiment_score":-0.0008799288189038634},{"text":"Is that right?","start":540.495,"end":541.395,"sentiment":"neutral","sentiment_score":0.12222495426734288},{"text":"Yep.","start":543.79,"end":544.26996,"sentiment":"neutral","sentiment_score":0.15235868096351624},{"text":"So that's not too much of a problem.","start":544.26996,"end":546.05,"sentiment":"neutral","sentiment_score":0.25447759218513966}],"sentiment":"neutral","sentiment_score":0.056008338576389684,"num_words":45,"start":530.495,"end":546.05},{"sentences":[{"text":"For us, the accountants usually only take one to two weeks to set up all the entities, and we usually go about a fortnight to do the advice, start doing the application, open accounts, and the rollovers can take anywhere between one to three weeks.","start":546.82996,"end":562.705,"sentiment":"neutral","sentiment_score":0.13673869280351533},{"text":"So on face value, if we started this process with you guys on Monday, we would pretty much just get everything set up in time.","start":562.925,"end":570.65,"sentiment":"neutral","sentiment_score":0.18737290382385255},{"text":"The risk is if there's any delay that we wouldn't get the money rolled across and ready for the loan in time.","start":571.11,"end":578.97003,"sentiment":"negative","sentiment_score":-0.5424562645229426},{"text":"The thing that I'm kind of concerned with at the moment, I've just been talking to all of our brokers in the network.","start":579.67,"end":585.105,"sentiment":"neutral","sentiment_score":-0.23434467095395792},{"text":"There's about four or five.","start":585.105,"end":586.565,"sentiment":"neutral","sentiment_score":-0.21244482100009918}],"sentiment":"neutral","sentiment_score":-0.06290521320576468,"num_words":120,"start":546.82996,"end":586.565},{"sentences":[{"text":"They're not actually sure whether the banks will continue to do the lending and applications all the way up until that forty fifth day.","start":587.90497,"end":596.08496,"sentiment":"negative","sentiment_score":-0.3335220031440258},{"text":"And if you've got the contract signed, there's no guarantee that they'll actually finalize the loan for you day 46, day 47.","start":596.39,"end":604.41,"sentiment":"neutral","sentiment_score":-0.2971624992787838},{"text":"Like, let's say you submit it day 39, there's no guarantee they will honor the application and actually approve it after that date occurs on the August 7.","start":604.63,"end":616.395,"sentiment":"neutral","sentiment_score":-0.17986118261303222},{"text":"K?","start":617.335,"end":617.655,"sentiment":"neutral","sentiment_score":-0.05636562407016754},{"text":"So what I'm basically saying here is you're in an actual good financial position to do this through Super, but the risks are that if we don't get it all lined up in time in terms of the accounts, the entities, and the lending, is you may have gone through all of this to set it all up, pay all this money, and then you just missed out by four days.","start":617.655,"end":637.17,"sentiment":"negative","sentiment_score":-0.3839946920183343}],"sentiment":"neutral","sentiment_score":-0.32122058171319634,"num_words":146,"start":587.90497,"end":637.17},{"sentences":[{"text":"So my my honest answer here is you're probably better off purchasing it directly than rather than through super.","start":643.075,"end":650.935,"sentiment":"neutral","sentiment_score":-0.17353398470502152},{"text":"And if you're gonna go through the super outlet, say that you're adamant, no.","start":650.995,"end":654.275,"sentiment":"neutral","sentiment_score":-0.3170856758952141},{"text":"We've got it here.","start":654.275,"end":655.075,"sentiment":"neutral","sentiment_score":-0.25243494659662247},{"text":"We know it's financially viable.","start":655.075,"end":657.12,"sentiment":"neutral","sentiment_score":-0.21547144949436187},{"text":"We're just gonna go ahead and get this done in time, is even potentially skip us altogether.","start":657.12,"end":662.98,"sentiment":"negative","sentiment_score":-0.4452434392536388}],"sentiment":"neutral","sentiment_score":-0.29478950293387396,"num_words":59,"start":643.075,"end":662.98},{"sentences":[{"text":"Now so skip using our Q Financial altogether is an option that you do have.","start":666.32,"end":672.22504,"sentiment":"neutral","sentiment_score":-0.12947870492935182},{"text":"So for example, let's say you engage an accountant and set up all your entities, and then you just open up your own self managed super fund bank account with whichever bank owned by those entities, we can help you sell down funds and roll the funds across.","start":672.36505,"end":688.28,"sentiment":"neutral","sentiment_score":0.09415450754264991},{"text":"But for us to step in and do the advice and tell you which providers to go with, that's gonna be the part that pushes you over that line and possibly gets you to miss out on that deal.","start":689.46,"end":700.305,"sentiment":"negative","sentiment_score":-0.37106884729403716},{"text":"So what you're gonna take into account, are you comfortable to try it yourself?","start":703.96497,"end":707.585,"sentiment":"neutral","sentiment_score":0.08740984295893993},{"text":"It's probably the opposite there, Viv, because if you getting the contract signed before that forty five day cutoff, that's the most important thing, and then it's making sure that you get the loan application approved in time.","start":721.775,"end":733.92,"sentiment":"neutral","sentiment_score":0.1208438815450982}],"sentiment":"neutral","sentiment_score":-0.03947171400143922,"num_words":154,"start":666.32,"end":733.92},{"sentences":[{"text":"Correct.","start":744.39996,"end":744.8,"sentiment":"neutral","sentiment_score":-0.007409416139125824},{"text":"So if we try and go through our usual advice process, get you to sign your statements of advice, set up accounts and applications and everything, that might be three, four weeks down the line before we get all the funds rolled across if everything goes perfectly.","start":744.8,"end":758.70496,"sentiment":"neutral","sentiment_score":0.10022819287916447},{"text":"Whereas technically, and I'm not telling you to do this, but if you engage that account and set everything up, you could literally go to the bank with all of your information and then just open up the bank account straight away within a couple of days.","start":759.005,"end":774.38,"sentiment":"neutral","sentiment_score":0.15812794800768507},{"text":"K.","start":778.065,"end":778.30505,"sentiment":"neutral","sentiment_score":0.11391359567642212},{"text":"So I'm just giving you that option to say, like, you don't have to go the route that I'm saying.","start":778.30505,"end":783.505,"sentiment":"neutral","sentiment_score":0.17878649421036244}],"sentiment":"neutral","sentiment_score":0.136422178322642,"num_words":116,"start":744.39996,"end":783.505},{"sentences":[{"text":"That's our standard process.","start":783.505,"end":785.04504,"sentiment":"neutral","sentiment_score":0.09652682207524776},{"text":"The risk is that we miss it by a couple of days.","start":785.825,"end":788.48505,"sentiment":"negative","sentiment_score":-0.41945217549800873},{"text":"If it's something that you're really set on pursuing yourself, you can do that.","start":789.02997,"end":793.99,"sentiment":"neutral","sentiment_score":0.17986127787402698},{"text":"We can help facilitate things like selling down your hub 24 so it's available to roll across quickly.","start":793.99,"end":800.41,"sentiment":"positive","sentiment_score":0.3886980414390564},{"text":"But you just need a really good accountant who can actually set everything up and actually do the rollovers properly.","start":800.70996,"end":806.64496,"sentiment":"neutral","sentiment_score":0.18551457403227686}],"sentiment":"neutral","sentiment_score":0.12614110733985023,"num_words":68,"start":783.505,"end":806.64496},{"sentences":[{"text":"What's been happening this year for me personally is I've gone through five self managed super fund setups.","start":808.385,"end":814.08496,"sentiment":"neutral","sentiment_score":-0.05869862250983715},{"text":"Three of them took about six to eight weeks.","start":815.105,"end":817.605,"sentiment":"neutral","sentiment_score":-0.0657197932402293},{"text":"One of them took four months.","start":817.85004,"end":819.29004,"sentiment":"neutral","sentiment_score":-0.08742385978500049},{"text":"One of them took nine months.","start":819.29004,"end":820.83,"sentiment":"neutral","sentiment_score":-0.11384197821219762},{"text":"And that was just Superfunds being weird about details.","start":823.37,"end":827.15,"sentiment":"neutral","sentiment_score":-0.22881325748231676}],"sentiment":"neutral","sentiment_score":-0.10239516020131607,"num_words":48,"start":808.385,"end":827.15},{"sentences":[{"text":"The ACO taking its time to apply bank account details to allow rollovers.","start":827.45,"end":831.79004,"sentiment":"neutral","sentiment_score":-0.2249049853820067},{"text":"Whoever was typing in the details from the SuperStream system was typing in the wrong details of the fund, and then that was bouncing back.","start":833.365,"end":842.40497,"sentiment":"negative","sentiment_score":-0.45459731578826906},{"text":"And then there's this troubleshooting of every single detail for the trust and the company and the accounts.","start":842.40497,"end":849.32,"sentiment":"neutral","sentiment_score":-0.13647108731998336},{"text":"You've got to make sure you cross reference about 46 digits of data, essentially.","start":849.62,"end":854.36,"sentiment":"neutral","sentiment_score":-0.043384675202625136},{"text":"Yeah.","start":865.47504,"end":865.955,"sentiment":"neutral","sentiment_score":0.04675671458244324}],"sentiment":"neutral","sentiment_score":-0.2437437466857299,"num_words":71,"start":827.45,"end":865.955},{"sentences":[{"text":"So Yeah.","start":865.955,"end":881.855,"sentiment":"neutral","sentiment_score":0.08612056076526642},{"text":"That's a fantastic question, and that's a great way to put it, this.","start":881.855,"end":885.615,"sentiment":"neutral","sentiment_score":0.16884459748577613},{"text":"So the ones that we're currently looking after at the moment is people have that bank account, that property, but then they've got, like, a hub or a Macquarie or some sort of investment account linked to it so that we can continue to invest funds and give them advice to help with the retirement goals.","start":885.615,"end":903.42,"sentiment":"neutral","sentiment_score":0.17691457737237215},{"text":"Yeah.","start":914.615,"end":914.935,"sentiment":"neutral","sentiment_score":0.06274165213108063},{"text":"That's right.","start":914.935,"end":915.335,"sentiment":"neutral","sentiment_score":0.15706206113100052}],"sentiment":"neutral","sentiment_score":0.17096355400123708,"num_words":74,"start":865.955,"end":915.335},{"sentences":[{"text":"A little bit of help in that sense.","start":915.335,"end":916.775,"sentiment":"neutral","sentiment_score":0.15271681174635887},{"text":"What comes down through for you personally that you have to do is every year, you'll do an audit of the super funds and a tax return for the super funds.","start":916.775,"end":926.67,"sentiment":"neutral","sentiment_score":0.13047266535220609},{"text":"So you'll go to an accountant, get all the reports printed out from your bank account and rental agents and everything, and you'll have to actually go through an audit process and tax return on a yearly basis to maintain that fund every year.","start":926.67,"end":940.03503,"sentiment":"neutral","sentiment_score":0.11950731006535617},{"text":"I think it's about 2,200 a year that they charge most of the county.","start":940.03503,"end":943.73505,"sentiment":"neutral","sentiment_score":0.02236862134720598},{"text":"Yeah.","start":948.61,"end":949.11,"sentiment":"neutral","sentiment_score":0.03982465714216232}],"sentiment":"neutral","sentiment_score":0.11099687876293854,"num_words":98,"start":915.335,"end":949.11},{"sentences":[{"text":"Yes.","start":963.535,"end":964.035,"sentiment":"neutral","sentiment_score":-0.014590777456760406},{"text":"Yeah.","start":976.75,"end":977.07,"sentiment":"neutral","sentiment_score":0.022502150386571884},{"text":"I mean, we've got, like I said, five different brokers, and I usually do the, you know, general advice and the strategy side of things.","start":977.07,"end":985.07,"sentiment":"neutral","sentiment_score":0.09473921209573746},{"text":"And then it's just trying to link you up with the right people.","start":985.07,"end":987.525,"sentiment":"neutral","sentiment_score":0.10526700489796124},{"text":"I don't know if you guys just use your bank or Yeah.","start":988.005,"end":1018.295,"sentiment":"neutral","sentiment_score":-0.07925092972194155}],"sentiment":"neutral","sentiment_score":0.05372791504487395,"num_words":52,"start":963.535,"end":1018.295},{"sentences":[{"text":"Have you guys ever had an investment property before?","start":1019.475,"end":1022.21497,"sentiment":"neutral","sentiment_score":0.0025789325849877465},{"text":"Yep.","start":1027.57,"end":1028.07,"sentiment":"neutral","sentiment_score":0.06156810745596886},{"text":"Yeah.","start":1039.2351,"end":1039.7351,"sentiment":"neutral","sentiment_score":0.1368369609117508},{"text":"Yeah.","start":1057.4099,"end":1057.9099,"sentiment":"neutral","sentiment_score":0.08447884023189545},{"text":"Yep.","start":1070.465,"end":1070.965,"sentiment":"neutral","sentiment_score":-0.016869250684976578}],"sentiment":"neutral","sentiment_score":0.02224808085996371,"num_words":13,"start":1019.475,"end":1070.965},{"sentences":[{"text":"Yeah.","start":1076.7999,"end":1077.2999,"sentiment":"neutral","sentiment_score":0.07688324898481369},{"text":"Get to put in the market and start, you know, building assets personally, I guess, is what you're trying to do.","start":1079.2,"end":1084.5599,"sentiment":"neutral","sentiment_score":0.041304267499418484},{"text":"Right?","start":1084.5599,"end":1085.0599,"sentiment":"neutral","sentiment_score":0.02183053269982338},{"text":"Yeah.","start":1098.575,"end":1099.075,"sentiment":"neutral","sentiment_score":-0.04081389680504799},{"text":"So you don't have that deposit built up at the moment or or property to borrow off?","start":1099.79,"end":1104.69,"sentiment":"neutral","sentiment_score":-0.03301491938969668}],"sentiment":"neutral","sentiment_score":0.00887892372542765,"num_words":41,"start":1076.7999,"end":1104.69},{"sentences":[{"text":"Yeah.","start":1138.035,"end":1138.535,"sentiment":"neutral","sentiment_score":0.02800624445080757},{"text":"And the cool thing too is now that you kind of settled, I have actually given you guys a dedicated adviser, Dana, who's gonna be looking after you as as a couple, and we're able to kind of look at you as a family unit to discuss and plan these joint goals rather than talking to different advisers, getting different opinions sort of thing.","start":1140.755,"end":1163.985,"sentiment":"neutral","sentiment_score":0.10673365468392149},{"text":"So that's gonna be really helpful because Dana's fantastic.","start":1165.985,"end":1168.485,"sentiment":"positive","sentiment_score":0.5593352119127909},{"text":"She will go to the end of the year for her clients all night, every night, and figure out everything that's possible.","start":1168.545,"end":1174.865,"sentiment":"positive","sentiment_score":0.395130146633495},{"text":"She's brilliant.","start":1174.865,"end":1175.6849,"sentiment":"positive","sentiment_score":0.7828908562660217}],"sentiment":"neutral","sentiment_score":0.22603695908067178,"num_words":98,"start":1138.035,"end":1175.6849},{"sentences":[{"text":"Now when I look at you guys as a as a couple, would you would you say that you're kind of first home buyers if you guys owned a property before?","start":1175.985,"end":1184.2101,"sentiment":"neutral","sentiment_score":0.028989893744789785},{"text":"Yep.","start":1187.31,"end":1187.81,"sentiment":"neutral","sentiment_score":0.1835257858037949},{"text":"So the good thing at least is that it's not the best legislation in the world, but there are those those rules now that people can do, like you said, the 5% deposit, and you get to skip the the LMI for not having a 20% deposit for your first time.","start":1189.9501,"end":1205.9551,"sentiment":"neutral","sentiment_score":0.11189306669813745},{"text":"So there's definitely things that the government's trying to do to give you guys access to it, and you've got good income.","start":1205.9551,"end":1212.38,"sentiment":"positive","sentiment_score":0.33727278831330215},{"text":"So at some point, you'll be able to get into it.","start":1212.8401,"end":1216.68,"sentiment":"positive","sentiment_score":0.35213126919486304}],"sentiment":"neutral","sentiment_score":0.15588107066839163,"num_words":116,"start":1175.985,"end":1216.68},{"sentences":[{"text":"It's about how and when.","start":1216.68,"end":1218.3,"sentiment":"neutral","sentiment_score":0.09913252145051957},{"text":"Now one of the things that you can do is exactly what you said is, do you go for that first home that you own and and live in yourself and then an investment after that?","start":1219.9601,"end":1228.375,"sentiment":"neutral","sentiment_score":0.10569612981958522},{"text":"Or do you get the investment first and then use that as a stepping stone to your own home?","start":1228.375,"end":1232.875,"sentiment":"neutral","sentiment_score":0.09583337134436558},{"text":"Now that property that you're looking at already for 800,000, that I'm assuming is it been recently built?","start":1235.11,"end":1241.67,"sentiment":"neutral","sentiment_score":0.03149862287359105},{"text":"It's pretty how long would that property be, the the apartment?","start":1241.67,"end":1245.13,"sentiment":"neutral","sentiment_score":0.019341308962215076}],"sentiment":"neutral","sentiment_score":0.07754254996190581,"num_words":89,"start":1216.68,"end":1245.13},{"sentences":[{"text":"Yep.","start":1252.845,"end":1253.345,"sentiment":"neutral","sentiment_score":0.104436457157135},{"text":"Okay.","start":1266.5599,"end":1267.0599,"sentiment":"neutral","sentiment_score":-0.007459403946995735},{"text":"So I'm definitely gonna say a no on the self managed super route because if it's not finished yet, you may run into even more trouble where the lender just says, no.","start":1267.2,"end":1278.925,"sentiment":"neutral","sentiment_score":-0.2277159618679434},{"text":"We're not gonna we're not gonna approve this application.","start":1279.0651,"end":1281.405,"sentiment":"neutral","sentiment_score":-0.1360534185336696},{"text":"But there's a couple of cool things.","start":1282.665,"end":1285.545,"sentiment":"neutral","sentiment_score":0.22209577368838446}],"sentiment":"neutral","sentiment_score":-0.1371948815509677,"num_words":50,"start":1252.845,"end":1285.545},{"sentences":[{"text":"So because it's new, you get to avoid all those issues of not having to not being able to do negative gearing and things like that because the government wants it to be focused on new properties to get those benefits.","start":1285.545,"end":1297.54,"sentiment":"neutral","sentiment_score":0.12186314992424918},{"text":"So a new investment property or your own home, that's your best two options, and that's the route to go.","start":1298.88,"end":1305.075,"sentiment":"positive","sentiment_score":0.46614420115947724},{"text":"Just to sort of take a step back in terms of a few basics of lending here.","start":1306.255,"end":1310.4349,"sentiment":"neutral","sentiment_score":0.05925656394923434},{"text":"So when I got my investment property, we had paid down our mortgage a little bit.","start":1310.495,"end":1315.53,"sentiment":"neutral","sentiment_score":0.053125722450204194},{"text":"So we had a bit of equity, and we basically borrowed a bit off of that home to get the deposit for the next place.","start":1315.53,"end":1324.35,"sentiment":"neutral","sentiment_score":0.048244687616825106}],"sentiment":"neutral","sentiment_score":0.14607364291466085,"num_words":119,"start":1285.545,"end":1324.35},{"sentences":[{"text":"Now the way it kind of works is, let's say, I need a it's an $800,000 property, and I need a $200,000 deposit.","start":1324.65,"end":1334.215,"sentiment":"neutral","sentiment_score":0.09424212866503259},{"text":"So I'm borrowing 200 off my home so that goes up in my repayments increase.","start":1334.835,"end":1340.5,"sentiment":"neutral","sentiment_score":0.10695054133733113},{"text":"But then I only need 600 on the investment property to make the full 800,000.","start":1341.12,"end":1348.48,"sentiment":"neutral","sentiment_score":0.0474875142176946},{"text":"So, overall, you've got 800,000 in debt, but 200 you kind of got on your own home paying personally, 600 is on the property.","start":1348.48,"end":1356.665,"sentiment":"neutral","sentiment_score":0.020525554039825995},{"text":"Now what this kind of means is there's this really cool little trick I do where if you have an $800,000 property, if it's paying you 800 a week rent, that's a 5% rental return.","start":1357.4451,"end":1369.75,"sentiment":"neutral","sentiment_score":0.1599244909627097}],"sentiment":"neutral","sentiment_score":0.0944116988684982,"num_words":112,"start":1324.65,"end":1369.75},{"sentences":[{"text":"Do you know how much that property would be renting for approximately?","start":1373.01,"end":1375.83,"sentiment":"neutral","sentiment_score":0.0453020411853989},{"text":"Is it $9,001,000, something above there?","start":1376.0499,"end":1378.95,"sentiment":"neutral","sentiment_score":0.029746965194741886},{"text":"Yep.","start":1380.705,"end":1381.0419,"sentiment":"neutral","sentiment_score":0.09037138521671297},{"text":"Yep.","start":1381.0419,"end":1381.3788,"sentiment":"neutral","sentiment_score":0.10098125785589218},{"text":"Yep.","start":1381.3788,"end":1381.7157,"sentiment":"neutral","sentiment_score":0.11497100442647934}],"sentiment":"neutral","sentiment_score":0.04897285394725345,"num_words":21,"start":1373.01,"end":1381.7157},{"sentences":[{"text":"So anything above 800 a week, you're starting to go up to six or 7% rental return.","start":1381.7157,"end":1388.1166,"sentiment":"neutral","sentiment_score":0.17377647319260767},{"text":"And the reason why I say that is because the the interest rates these days, You're going to be paying that 6 or 7% interest rate for that loan.","start":1388.1166,"end":1398.55,"sentiment":"neutral","sentiment_score":0.14083066942362948},{"text":"So you wanna kind of make sure that it can kind of pay for itself to a degree and that you're not forking out $500 a week personally just to keep it running.","start":1399.0901,"end":1408.2301,"sentiment":"neutral","sentiment_score":0.18041042170741342},{"text":"Right?","start":1411.3451,"end":1411.665,"sentiment":"neutral","sentiment_score":0.1693701148033142},{"text":"So negative gearing is okay.","start":1411.665,"end":1413.025,"sentiment":"neutral","sentiment_score":0.15865272283554077}],"sentiment":"neutral","sentiment_score":0.16417020121041467,"num_words":85,"start":1381.7157,"end":1413.025},{"sentences":[{"text":"Like, if it's a $100 that you're forking out for it and you get to claim some tax deductions, that's good.","start":1413.025,"end":1418.305,"sentiment":"positive","sentiment_score":0.3539370468684605},{"text":"But, you know, you guys don't wanna buy an $800,000 property that costs you 400 a week on top of the rent that it brings in.","start":1418.305,"end":1425.73,"sentiment":"neutral","sentiment_score":-0.07993688900023699},{"text":"That's what puts people under very quickly.","start":1426.4299,"end":1428.53,"sentiment":"neutral","sentiment_score":0.06481177359819412},{"text":"So $9.50 1,000 starts to get better because you're talking, let's say, 7% interest on a $600,000 loan, but a 7% return on 800,000.","start":1429.39,"end":1440.415,"sentiment":"neutral","sentiment_score":0.21975782110045353},{"text":"So you kind of take into account all your costs and repairs and agent fees.","start":1440.555,"end":1446.0751,"sentiment":"neutral","sentiment_score":0.07256324415405592}],"sentiment":"neutral","sentiment_score":0.13086707154989882,"num_words":93,"start":1413.025,"end":1446.0751},{"sentences":[{"text":"You're getting close to breaking even with that type of property.","start":1446.0751,"end":1449.135,"sentiment":"neutral","sentiment_score":-0.015500098297541792},{"text":"So I guess the the the problem that I've got though is if you guys don't have the cash available to the deposit, and like you said, you don't have any assets to borrow off at this point.","start":1452.1699,"end":1461.87,"sentiment":"negative","sentiment_score":-0.401186556016144},{"text":"So your main thing would be building up that cash buffer to either get your home or get the investment property.","start":1464.635,"end":1471.775,"sentiment":"neutral","sentiment_score":0.08632914154302507},{"text":"Either way is not a bad idea.","start":1471.8351,"end":1473.4551,"sentiment":"neutral","sentiment_score":0.21465709592614854},{"text":"Getting the investment property and then building wealth that way, rents vesting, it's not the worst idea, and buying your home and paying it off to the point to get the investment property is not a bad idea either.","start":1473.675,"end":1484.96,"sentiment":"positive","sentiment_score":0.4290185601283342}],"sentiment":"neutral","sentiment_score":0.03992797654314802,"num_words":116,"start":1446.0751,"end":1484.96},{"sentences":[{"text":"Both of them are good.","start":1484.96,"end":1486.1599,"sentiment":"positive","sentiment_score":0.6988576054573059},{"text":"You do just need a bit of cash behind you.","start":1486.1599,"end":1488.5,"sentiment":"neutral","sentiment_score":0.21550580710172654},{"text":"K?","start":1492.015,"end":1492.515,"sentiment":"neutral","sentiment_score":0.056400083005428314},{"text":"Now just walk me through briefly as well.","start":1492.575,"end":1495.135,"sentiment":"neutral","sentiment_score":0.07668019831180573},{"text":"So in terms of your own cash flow, you've just gone through, like you said, the children.","start":1495.135,"end":1499.475,"sentiment":"neutral","sentiment_score":0.15544134816702673}],"sentiment":"neutral","sentiment_score":0.21857782162544204,"num_words":41,"start":1484.96,"end":1499.475},{"sentences":[{"text":"Everything's kind of more stable now.","start":1500.015,"end":1502.035,"sentiment":"neutral","sentiment_score":0.26383496820926666},{"text":"What's the budget looking like for you guys?","start":1502.81,"end":1504.91,"sentiment":"neutral","sentiment_score":0.08227970730513334},{"text":"Are you able to put aside a little bit that you know of on a weekly, fortnightly basis?","start":1504.97,"end":1510.19,"sentiment":"neutral","sentiment_score":0.0421636983131369},{"text":"Yeah.","start":1522.855,"end":1523.355,"sentiment":"neutral","sentiment_score":-0.19342565536499023},{"text":"And can I just say as well just the most of the people I'm talking through this year, 80% of the people I've spoken to are in the same boat?","start":1537.09,"end":1546.885,"sentiment":"neutral","sentiment_score":-0.11428375268975893}],"sentiment":"neutral","sentiment_score":-0.009868955535311547,"num_words":63,"start":1500.015,"end":1546.885},{"sentences":[{"text":"I have a lot of families who have a combined income of 150 to 250,000.","start":1547.025,"end":1554.245,"sentiment":"neutral","sentiment_score":-0.018304969370365142},{"text":"No one's able to save.","start":1554.865,"end":1556.245,"sentiment":"negative","sentiment_score":-0.4508427381515503},{"text":"No one's building deposits.","start":1557.16,"end":1558.62,"sentiment":"neutral","sentiment_score":-0.2562742680311203},{"text":"People are kind of just punching their budgets and going, like, what do I do?","start":1559.0801,"end":1563.0801,"sentiment":"neutral","sentiment_score":-0.22414995829264323},{"text":"Do I get rid of the Netflix?","start":1563.0801,"end":1564.36,"sentiment":"neutral","sentiment_score":-0.17765881759779795}],"sentiment":"neutral","sentiment_score":-0.1773857913263466,"num_words":46,"start":1547.025,"end":1564.36},{"sentences":[{"text":"So that's only 13 dollars a month.","start":1564.36,"end":1566.12,"sentiment":"neutral","sentiment_score":-0.113480273102011},{"text":"That's not a deposit.","start":1566.12,"end":1567.18,"sentiment":"neutral","sentiment_score":-0.23829657211899757},{"text":"If you looked at your budget, I would be I would kind of guess that you're not doing anything too majorly wrong.","start":1568.4401,"end":1575.8849,"sentiment":"neutral","sentiment_score":-0.23568700592626224},{"text":"Like, I I haven't looked at it with you, and it's something that we do do.","start":1575.8849,"end":1579.4049,"sentiment":"neutral","sentiment_score":-0.13700635253917426},{"text":"We do break down budgets with people and see if there is anything glaring that we can point out, but the whole country is kind of in that same boat.","start":1579.4049,"end":1587.4249,"sentiment":"neutral","sentiment_score":-0.09140122371415298}],"sentiment":"neutral","sentiment_score":-0.15021266686859763,"num_words":79,"start":1564.36,"end":1587.4249},{"sentences":[{"text":"If you're not living in the cheapest suburb of Queensland or Western Australia or in the country of New South Wales areas, nobody in the major centers is actually getting ahead right now despite having that good, you know, dual six figure incomes.","start":1588.0701,"end":1604.145,"sentiment":"neutral","sentiment_score":-0.10845166737170414},{"text":"So I guess it sounds kind of a a bit of defeatism to say like, oh, what can you do?","start":1606.365,"end":1611.9651,"sentiment":"negative","sentiment_score":-0.3483109317719936},{"text":"You just kind of get stuck.","start":1611.9651,"end":1613.425,"sentiment":"negative","sentiment_score":-0.39053892095883685},{"text":"But what I've been telling people that this is usually temporary to the point where we go through these periods where the majority of our generation kind of struggle for that decade, whether it's a recession or or a depression or something like that, but it never lasts thirty, forty, fifty years.","start":1613.485,"end":1632.325,"sentiment":"neutral","sentiment_score":-0.12689637994536987},{"text":"Not that you have to wait thirty years to get your first property, but I'm just saying that, like, just take some heart in the fact that you're not doing something astronomically wrong and everyone else is having a great time.","start":1634.225,"end":1645.2301,"sentiment":"neutral","sentiment_score":0.23953742343114642}],"sentiment":"neutral","sentiment_score":-0.06636081021394075,"num_words":162,"start":1588.0701,"end":1645.2301},{"sentences":[{"text":"It's like we're all kind of in the same boat.","start":1645.2301,"end":1647.25,"sentiment":"positive","sentiment_score":0.3898869901895523},{"text":"Yep.","start":1649.63,"end":1650.03,"sentiment":"neutral","sentiment_score":0.09649067372083664},{"text":"Even myself.","start":1650.03,"end":1650.77,"sentiment":"neutral","sentiment_score":0.12043348327279091},{"text":"So I've got investments.","start":1650.91,"end":1652.3501,"sentiment":"neutral","sentiment_score":0.14091063290834427},{"text":"I've got investment properties, good income, free children, and so on.","start":1652.3501,"end":1656.4501,"sentiment":"neutral","sentiment_score":0.22751389985734766}],"sentiment":"neutral","sentiment_score":0.26080439186521936,"num_words":28,"start":1645.2301,"end":1656.4501},{"sentences":[{"text":"We're kind of just been in the holding pattern for two years now where we're just trying to keep things moving because everything's gone up.","start":1656.625,"end":1664.3049,"sentiment":"neutral","sentiment_score":0.13053408354520799},{"text":"The the groceries is $3.04, 500 a week.","start":1664.3049,"end":1667.6649,"sentiment":"neutral","sentiment_score":0.03850862826220691},{"text":"The electricity is a thousand a quarter, but we've got solar and it's just like everywhere I look, there's just money flooding out for everything under the sun.","start":1667.6649,"end":1676.51,"sentiment":"neutral","sentiment_score":0.0007730388648009726},{"text":"So one thing that definitely budget assistance, we can send through a budget planner, fill that in.","start":1678.8899,"end":1686.225,"sentiment":"neutral","sentiment_score":0.1495328755939708},{"text":"If there's anything that I can notice with Dana that's glaringly obvious, we'll let you know.","start":1686.225,"end":1691.4451,"sentiment":"neutral","sentiment_score":-0.0026075493078678846}],"sentiment":"neutral","sentiment_score":0.06482344999057339,"num_words":94,"start":1656.625,"end":1691.4451},{"sentences":[{"text":"Outside of that, when we can get some cash built up, we've got all the brokers that can get you the best best loans, best structures for you guys, whether it's your own home or an investment.","start":1691.745,"end":1702.7,"sentiment":"neutral","sentiment_score":0.26660467281534866},{"text":"We've got the professional network available for you guys.","start":1703.16,"end":1706.22,"sentiment":"positive","sentiment_score":0.4144589470492469},{"text":"Just to kind of cycle back to the start of the conversation, I don't think you should put yourself through the stress of trying to set up a a super fund to buy a property right now because it's stressful enough normally, and I've been doing it for twelve years now.","start":1709.24,"end":1724.665,"sentiment":"neutral","sentiment_score":-0.22154677111436338},{"text":"SMSFs are quite stressful to to set up and also run.","start":1725.045,"end":1728.825,"sentiment":"negative","sentiment_score":-0.43717976862734015},{"text":"And this cutoff period where if we start on Monday, we've got thirty nine days, I've never seen anything like it before.","start":1729.18,"end":1736.64,"sentiment":"neutral","sentiment_score":-0.22537341713905334}],"sentiment":"neutral","sentiment_score":-0.05747365031677943,"num_words":130,"start":1691.745,"end":1736.64},{"sentences":[{"text":"So I'm at that point where I would love to say, yeah.","start":1739.5801,"end":1742.955,"sentiment":"neutral","sentiment_score":-0.0424335525992016},{"text":"We'll charge you some money, and we'll set this up, and I'll promise you everything under the sun.","start":1742.955,"end":1746.3151,"sentiment":"neutral","sentiment_score":-0.013428680702216096},{"text":"But for everything to line up between the broker, the accountants, the banks, the advisers, the application, the accounts, something's gonna go wrong.","start":1746.3151,"end":1753.835,"sentiment":"neutral","sentiment_score":-0.13466909705944682},{"text":"Something's gonna delay it for a week.","start":1753.835,"end":1755.195,"sentiment":"negative","sentiment_score":-0.453786769083568},{"text":"It happens every day.","start":1755.195,"end":1756.26,"sentiment":"neutral","sentiment_score":-0.2742339000105858}],"sentiment":"neutral","sentiment_score":-0.12690236093476415,"num_words":64,"start":1739.5801,"end":1756.26},{"sentences":[{"text":"You know what I mean?","start":1758.5,"end":1759.56,"sentiment":"neutral","sentiment_score":-0.1087292492389679},{"text":"Yeah.","start":1761.7,"end":1762.2,"sentiment":"neutral","sentiment_score":0.045791398733854294},{"text":"So if you're comfortable, I I wish I could just hop on this call and just give you quick easy answers and be like, yep.","start":1762.26,"end":1768.1,"sentiment":"neutral","sentiment_score":0.16735738307237624},{"text":"You're gonna have a property in your super tomorrow and another one to live in a year later.","start":1768.1,"end":1772.865,"sentiment":"neutral","sentiment_score":0.24834185486866367},{"text":"We have to go through this sort of slow twelve to twenty four month period of either being very, very deliberate about what we do with every dollar or just waiting for things to kind of ease up a little bit when the economy comes down.","start":1773.325,"end":1788.53,"sentiment":"neutral","sentiment_score":-0.2658145040597605}],"sentiment":"neutral","sentiment_score":-0.042855095471206466,"num_words":95,"start":1758.5,"end":1788.53},{"sentences":[{"text":"K?","start":1789.63,"end":1790.13,"sentiment":"neutral","sentiment_score":-0.011204607784748076},{"text":"Would you guys like me to send through a bit of a budget planner, get Dana to kind of break it down with you and kind of see if we can notice anything, or do you feel pretty confident with your own cash flow?","start":1790.35,"end":1801.485,"sentiment":"neutral","sentiment_score":0.1795382205058228},{"text":"Yeah.","start":1868.5599,"end":1869.0599,"sentiment":"neutral","sentiment_score":-0.18908466398715973},{"text":"Yeah.","start":1875.375,"end":1875.875,"sentiment":"neutral","sentiment_score":0.06811699271202087},{"text":"And look, I've got these clients at the moment who are exactly like you guys in a similar position.","start":1876.095,"end":1881.235,"sentiment":"neutral","sentiment_score":0.0821003774671178}],"sentiment":"neutral","sentiment_score":0.1413244938647205,"num_words":66,"start":1789.63,"end":1881.235},{"sentences":[{"text":"And I've already been on the phone three times today to a buyer's agent, a broker, and an accountant for them.","start":1881.5349,"end":1888.595,"sentiment":"neutral","sentiment_score":0.0821339800244286},{"text":"And they have four professionals working on a daily basis to try and get theirs done.","start":1888.78,"end":1893.84,"sentiment":"neutral","sentiment_score":0.05708778812550008},{"text":"And like I said, it's been taking months.","start":1893.9,"end":1895.76,"sentiment":"neutral","sentiment_score":-0.1288559166714549},{"text":"So they're having to put in a lot of time on a daily basis to forward documents around, sign documents, do phone calls, make decisions, and it's been quite an ordeal for them despite our expertise in making it as smooth as possible.","start":1896.3,"end":1911.335,"sentiment":"negative","sentiment_score":-0.363558761428955},{"text":"But one thing too is like yeah.","start":1914.275,"end":1918.29,"sentiment":"neutral","sentiment_score":-0.01796321730528559}],"sentiment":"neutral","sentiment_score":-0.14896208847823897,"num_words":95,"start":1881.5349,"end":1918.29},{"sentences":[{"text":"You go for it.","start":1918.29,"end":1919.35,"sentiment":"neutral","sentiment_score":0.3169641047716141},{"text":"Yeah.","start":1951.6,"end":1951.84,"sentiment":"neutral","sentiment_score":-0.02813297882676125},{"text":"Sorry.","start":1951.84,"end":1952.16,"sentiment":"neutral","sentiment_score":-0.12079691886901855},{"text":"It just cut out for a few seconds there.","start":1952.16,"end":1954.18,"sentiment":"neutral","sentiment_score":-0.13323286010159385},{"text":"I do have you back.","start":1957.385,"end":1958.685,"sentiment":"neutral","sentiment_score":-0.04215266779065132}],"sentiment":"neutral","sentiment_score":-0.014546627923846246,"num_words":20,"start":1918.29,"end":1958.685},{"sentences":[{"text":"No.","start":1959.305,"end":1959.7051,"sentiment":"neutral","sentiment_score":-0.11875855177640916},{"text":"I just heard the part where you were saying about if things are going to be better in twelve to twenty four months time, can we look at the super fan and then it kind of cut out.","start":1959.7051,"end":1969.005,"sentiment":"neutral","sentiment_score":-0.13454852272805415},{"text":"Yeah.","start":2015.365,"end":2015.865,"sentiment":"neutral","sentiment_score":0.15956637263298035},{"text":"So yeah.","start":2016.165,"end":2020.34,"sentiment":"neutral","sentiment_score":0.14987462759017944},{"text":"Correct.","start":2020.34,"end":2020.84,"sentiment":"neutral","sentiment_score":0.16081714630126953}],"sentiment":"neutral","sentiment_score":-0.10724348003088041,"num_words":43,"start":1959.305,"end":2020.84},{"sentences":[{"text":"So a couple of things I'd say to that is when you have a self managed super fund, people do it for different reasons.","start":2020.9,"end":2027.3,"sentiment":"neutral","sentiment_score":0.10518055999030669},{"text":"Some people do it to borrow for a property.","start":2027.3,"end":2029.56,"sentiment":"neutral","sentiment_score":0.05120133732755979},{"text":"Some people just want a really specific investment.","start":2029.8049,"end":2031.965,"sentiment":"neutral","sentiment_score":0.06522313831374049},{"text":"Like, I've seen people buy a bunch of gold bullion and put it in the safe, and creating your own super fund allows you to do the unorthodox things outside of what a regular fund allows.","start":2031.965,"end":2042.625,"sentiment":"neutral","sentiment_score":0.2330421486662494},{"text":"The other thing is that your, you know, your hub 24 and and these sorts of super funds, they can invest you into pretty much any type of asset.","start":2044.33,"end":2053.39,"sentiment":"neutral","sentiment_score":0.19124345198787493}],"sentiment":"neutral","sentiment_score":0.1645519626590441,"num_words":106,"start":2020.9,"end":2053.39},{"sentences":[{"text":"We've got property investments and gold and shares and all these kinds of things.","start":2053.77,"end":2059.495,"sentiment":"neutral","sentiment_score":0.28315051538603647},{"text":"So it's not a problem to actually do all kinds of different investments and get a really good portfolio.","start":2059.635,"end":2065.655,"sentiment":"positive","sentiment_score":0.3865157287371786},{"text":"But the one problem that you've got with what you mentioned is let's say you set up that self managed super fund.","start":2066.435,"end":2072.615,"sentiment":"neutral","sentiment_score":-0.09335079670629719},{"text":"Once that cutoff happens on the August 7, no one will be allowed to borrow money to purchase that residential investment property anymore.","start":2073.5798,"end":2082.48,"sentiment":"neutral","sentiment_score":-0.27992110343083093},{"text":"So yeah.","start":2087.02,"end":2089.395,"sentiment":"neutral","sentiment_score":-0.08912643045186996}],"sentiment":"neutral","sentiment_score":0.032971878675743936,"num_words":80,"start":2053.77,"end":2089.395},{"sentences":[{"text":"So as soon as that August 7 happens, they are banning borrowing off of your super to purchase a residential investment property.","start":2089.395,"end":2097.335,"sentiment":"neutral","sentiment_score":-0.1866446757181124},{"text":"And if it's not in by then, it's no longer available.","start":2097.475,"end":2101.0151,"sentiment":"neutral","sentiment_score":-0.20293676108121872},{"text":"So that's why I was worried saying, if we were to go through all this and you spend 10,000 dollars of your super to set everything up, and then it's like, oh, you missed it by two days, better, like, close it all down and start again.","start":2104.81,"end":2115.71,"sentiment":"neutral","sentiment_score":-0.23851287903937887},{"text":"You just lost $10 and a month's work.","start":2116.035,"end":2119.255,"sentiment":"negative","sentiment_score":-0.433352816849947},{"text":"Yeah.","start":2122.355,"end":2122.855,"sentiment":"neutral","sentiment_score":-0.0034570135176181793}],"sentiment":"neutral","sentiment_score":-0.23616710225685258,"num_words":89,"start":2089.395,"end":2122.855},{"sentences":[{"text":"No.","start":2129.06,"end":2129.3,"sentiment":"neutral","sentiment_score":-0.2520096004009247},{"text":"You're okay.","start":2129.3,"end":2129.94,"sentiment":"neutral","sentiment_score":-0.12139477953314781},{"text":"It is it's a lot of wrap your mind around, especially at the first time.","start":2129.94,"end":2134.28,"sentiment":"neutral","sentiment_score":-0.07392102827628454},{"text":"It's complicated enough as it is to understand verbally, and normally I send through flowcharts and things like that as well, but the legislation just makes it more difficult.","start":2134.66,"end":2144.12,"sentiment":"neutral","sentiment_score":-0.13984906008659764},{"text":"One of the things I would say though as well is that we're not just like the superannuation guys.","start":2146.155,"end":2152.235,"sentiment":"neutral","sentiment_score":-0.05178973372829588}],"sentiment":"neutral","sentiment_score":-0.100655185863037,"num_words":66,"start":2129.06,"end":2152.235},{"sentences":[{"text":"If we get to that review in twelve months time and there's other things for us to help you with, Dana and myself and the team, we're gonna coach you through it.","start":2152.235,"end":2161.1902,"sentiment":"neutral","sentiment_score":0.325000730343163},{"text":"We're gonna get you in touch with the right people.","start":2161.25,"end":2163.51,"sentiment":"positive","sentiment_score":0.47437291145324706},{"text":"We want everybody to progress through those life stages into those different goals to get the home and the investments and build your wealth and branch out into whatever you're comfortable doing.","start":2163.6501,"end":2174.625,"sentiment":"positive","sentiment_score":0.4836489800363779},{"text":"We just start off with that basis of, you know, superannuation and so on, but we're there alongside you guys the entire time.","start":2175.2449,"end":2182.065,"sentiment":"neutral","sentiment_score":0.3018365469963654},{"text":"Okay?","start":2185.1802,"end":2185.6802,"sentiment":"neutral","sentiment_score":0.32649320363998413}],"sentiment":"positive","sentiment_score":0.3866250370534099,"num_words":98,"start":2152.235,"end":2185.6802},{"sentences":[{"text":"So anytime you need a chat, book in to have a chat, and we'll kind of coach you through it.","start":2187.4202,"end":2192.4001,"sentiment":"positive","sentiment_score":0.41545575857162476},{"text":"One thing as a bit of a bit of homework, you did mention that you and you guys need to sit down to talk through your finances a little bit.","start":2192.9402,"end":2200.265,"sentiment":"neutral","sentiment_score":0.0794002253562212},{"text":"And one thing if you can do it, I don't know if you've done it before.","start":2202.405,"end":2205.365,"sentiment":"neutral","sentiment_score":0.09386445069685578},{"text":"It's a really good way to just flag if there is an issue or not, is just sit down with Pedro sometime and work out of all the things that you spend money on.","start":2205.365,"end":2216.1702,"sentiment":"neutral","sentiment_score":0.16682712624178214},{"text":"How much would you categorize as, like, living expenses, like rent and electricity and and those fuel and all those must haves?","start":2216.71,"end":2225.37,"sentiment":"neutral","sentiment_score":0.05881028605455702}],"sentiment":"neutral","sentiment_score":0.1570401781040137,"num_words":122,"start":2187.4202,"end":2225.37},{"sentences":[{"text":"Put that in a category, then put in your, I guess, your splurging.","start":2225.845,"end":2230.665,"sentiment":"neutral","sentiment_score":0.029763612609643202},{"text":"How much do you spend on the coffee at the shops and buying alcohol and going to the movies?","start":2230.8052,"end":2235.865,"sentiment":"neutral","sentiment_score":0.05990201175997132},{"text":"That's your splurge category.","start":2237.365,"end":2238.985,"sentiment":"neutral","sentiment_score":0.06061744596809149},{"text":"Then you've got long term stuff.","start":2239.66,"end":2241.42,"sentiment":"neutral","sentiment_score":0.05276374612003565},{"text":"How much are you putting aside to pay for holidays and and the larger things of life, and then how much can you actually save?","start":2241.42,"end":2248.64,"sentiment":"neutral","sentiment_score":0.07749983012676238}],"sentiment":"neutral","sentiment_score":0.06002407762875308,"num_words":67,"start":2225.845,"end":2248.64},{"sentences":[{"text":"What this does is if you do that as a percentage of your income, usually, you wanna aim for about no more than 60% of your income going to expenses and no more than 10% of your income going towards just splurging money on this, that, and the other.","start":2251.42,"end":2267.215,"sentiment":"neutral","sentiment_score":0.0384416614412045},{"text":"So if your expenses end up being 75% of your income, well, that's the area to focus on.","start":2269.14,"end":2275.14,"sentiment":"neutral","sentiment_score":0.05150131591492229},{"text":"Right?","start":2275.14,"end":2275.38,"sentiment":"neutral","sentiment_score":0.03853735327720642},{"text":"It's either how do we get our expenses down or our income up.","start":2275.38,"end":2279.16,"sentiment":"neutral","sentiment_score":0.018121179694739673},{"text":"And then if the splurge is the quarter of what you earn, then that's what you look at for cutting and so on.","start":2279.3152,"end":2285.415,"sentiment":"neutral","sentiment_score":-0.005720286711078623}],"sentiment":"neutral","sentiment_score":0.028396261461938802,"num_words":104,"start":2251.42,"end":2285.415},{"sentences":[{"text":"So the first thing you do is just get a lay of the land and go, okay.","start":2288.115,"end":2291.3152,"sentiment":"neutral","sentiment_score":0.025094617706011322},{"text":"This is all must have absolutely necessary expenses.","start":2291.3152,"end":2294.375,"sentiment":"neutral","sentiment_score":-0.001867120387032628},{"text":"This is all the the sort of crap, so I'm sorry to say, that we're spending on.","start":2294.9302,"end":2299.4302,"sentiment":"neutral","sentiment_score":-0.20588692146189072},{"text":"Let's percentage it on our incomes as a common combination, and then just see where the red flag is.","start":2299.6501,"end":2305.9102,"sentiment":"neutral","sentiment_score":-0.02601861208677292},{"text":"60 percent, 10%, 10%, 20% for expenses, splurging, long term, fun, and savings is the goal.","start":2306.85,"end":2318.255,"sentiment":"neutral","sentiment_score":0.14499296236317605}],"sentiment":"neutral","sentiment_score":-0.016400939724468565,"num_words":77,"start":2288.115,"end":2318.255},{"sentences":[{"text":"And you can see very quickly where you guys are are spending the money.","start":2318.635,"end":2322.335,"sentiment":"neutral","sentiment_score":0.14000679925084114},{"text":"And so I'll include that in an email, and I'll send through, like, the budget spreadsheet and just a bit of a a bit of a shortcut breakdown for it.","start":2326.27,"end":2335.33,"sentiment":"neutral","sentiment_score":0.1581850436826547},{"text":"But at any point, that's probably your next step is just to sit down and go through it.","start":2335.695,"end":2339.955,"sentiment":"neutral","sentiment_score":0.05782561676783694},{"text":"You don't have to do it very often because if you do identify some things to change, you still need to kind of give it a go for a few months and then adjust from there because no one's perfect with budgeting those first three months.","start":2340.2551,"end":2353.78,"sentiment":"neutral","sentiment_score":-0.038649341536928776},{"text":"It usually takes a couple of years of refining it, if that makes sense.","start":2354.24,"end":2358.34,"sentiment":"neutral","sentiment_score":0.03181067747729165}],"sentiment":"neutral","sentiment_score":0.05257366701472001,"num_words":122,"start":2318.635,"end":2358.34},{"sentences":[{"text":"Okay.","start":2361.6802,"end":2362.1802,"sentiment":"positive","sentiment_score":0.4851922392845154},{"text":"Now I hope that's been helpful, guys.","start":2362.24,"end":2365.2551,"sentiment":"positive","sentiment_score":0.5798049313681466},{"text":"I'm sorry I couldn't give you some easy answers today.","start":2365.2551,"end":2367.595,"sentiment":"neutral","sentiment_score":-0.18070696145296097},{"text":"Awesome.","start":2371.895,"end":2372.395,"sentiment":"positive","sentiment_score":0.8280059099197388},{"text":"I'm glad.","start":2372.455,"end":2373.115,"sentiment":"positive","sentiment_score":0.7972928285598755}],"sentiment":"neutral","sentiment_score":0.2456832719700677,"num_words":21,"start":2361.6802,"end":2373.115},{"sentences":[{"text":"Do you have the questions you've got me that I haven't covered off on?","start":2373.335,"end":2377.17,"sentiment":"neutral","sentiment_score":0.1496360025235585},{"text":"Absolutely.","start":2385.73,"end":2386.23,"sentiment":"positive","sentiment_score":0.4231739044189453},{"text":"Like I said, Dana is your dedicated adviser.","start":2386.93,"end":2389.3499,"sentiment":"positive","sentiment_score":0.34090430475771427},{"text":"I'm here to assist you, and so is Larissa, our head of advice.","start":2389.41,"end":2392.47,"sentiment":"positive","sentiment_score":0.396047626550381},{"text":"If at any point you would like to speak to someone, please just call the team and book in with Dana or ourselves.","start":2392.9148,"end":2398.615,"sentiment":"neutral","sentiment_score":0.11663638055324554}],"sentiment":"neutral","sentiment_score":0.22163675043542505,"num_words":59,"start":2373.335,"end":2398.615},{"sentences":[{"text":"And like I said, I'll try and email you probably Monday, Tuesday.","start":2399.075,"end":2402.375,"sentiment":"neutral","sentiment_score":0.1793792856236299},{"text":"And, hopefully, every year, we get a few good wins under the belt, and you guys are in a great position in five years' time.","start":2402.835,"end":2409.69,"sentiment":"positive","sentiment_score":0.7080101370811462},{"text":"You guys are most welcome.","start":2415.03,"end":2416.3298,"sentiment":"neutral","sentiment_score":0.31915495097637175},{"text":"Have a great weekend.","start":2416.8308,"end":2420.671,"sentiment":"positive","sentiment_score":0.5024098604917526},{"text":"Cheers.","start":2420.671,"end":2421.0708,"sentiment":"positive","sentiment_score":0.5551792979240417}],"sentiment":"positive","sentiment_score":0.510923369133726,"num_words":47,"start":2399.075,"end":2421.0708},{"sentences":[{"text":"Bye.","start":2421.0708,"end":2421.5708,"sentiment":"neutral","sentiment_score":-0.09668661653995514}],"sentiment":"neutral","sentiment_score":-0.09668661653995514,"num_words":1,"start":2421.0708,"end":2421.5708}]}}]},{"alternatives":[{"transcript":"Fine. Yeah. Good, mate. Good. Good. Good. Yeah. Yeah. I just need to add her on. Yep. Yep. That's fine. 10/31/1982, and it is 742 Slash 9 Rothschild Avenue in Roseberry. Yep. Alright. Give me a sec. Alright. I've got Vivian on the line. Hello? Good. Thank you. Thanks for your time. Yeah. Yeah. Yeah. Sure. Yep. Yep. Yep. Six of the second nineteen eighty four. My address is 7 oh god. 42 there. 742. Yes. Sorry. July. And I have child of Roseberry. Mhmm. Yep. Correct. Yep. Yeah. No. No. Yeah. So the purchase price is around 800. It's in Carlingford. It's an apartment. It'll be bought off the plan. And yeah. Basically, we're just looking at options. So, obviously, one of the options was to get to borrow from the bank. Another one was asking it was, like, a percent. They just needed 5%. Okay. It was, like, 5%. Yeah. They were only asking for 5% as opposed to what they would usually ask for. And, well, basically, we just wanted to navigate to see how possible it is for us. I mean, it it is a very good deal. We know the person through a close friend of ours. She's been doing this for a while, and the the opportunity was offered to us. And so, yeah, we just wanted want to see how possible is it? Should we, shouldn't we, risks, etcetera. Correct. No. Nothing. Yep. Mhmm. Yep. Mhmm. Mhmm. Yep. Mhmm. Right. Yep. Yep. Yep. Mhmm. Yep. Okay. Mhmm. Mhmm. Yep. Mhmm. Yep. Yep. That's right. Yep. Yep. Yes. Okay. What can we do? Sorry. What's the last bit? Yep. If the deal can be extended, is is that what you're saying? Like, if we can get the deal to be extended to give us a bit more time, then then it will be okay? Right. Oh, okay. Because the setup and everything is eating into the time of the loan application, like, into the forty five days. Right? Okay. So with the self managed, we also manage that ourselves. That's pretty much what it is about. Is that right? Like, if we we take everything out and then, obviously, we don't have any but then you you were talking about the investment, the hub, and all of that. That's because we're still linked to you guys as a self managed fund. I'm not I'm not yeah. Yep. Yep. Yep. Right. So it's not entirely, you you know, us managing that. We still got, like, in that sense. So Mhmm. I see. Okay. Okay. Look, how do I have to do this in the price? The the the only problem we consider we consider to buy using the super is because we don't have $40 to pull out of the air in order to pay that deposit, which which were they said was, like I I can't remember. Right? So what if we were to, like, completely I don't know. Do you guys help with refinancing? Because yeah. Well, we the thing is, maybe that could be another option, like, refinance, borrow, and then just have a new plan in place. Does that is that something that would work? Like, so we can get, like, the deposit. Is it enough? I mean, we're still gonna have to borrow the value of the house? I don't know. I'm I'm really a beginner in this. No. We we don't have any program. Very new to us, and we obviously want to to have our foot in the market. We just wanna know, like because obviously, you guys know about our financial I mean, our super. Right? That that numbers. And, like, we just want, like, step by step running through what are our options and what would be the what yeah. For us to decide on which way would be good. Definitely, we we want we're renting at the moment. We're happy where we are. You know, we we don't wanna move somewhere far away from where we are. Right? And so yeah. So yeah. We just want to know the option. You know, we we don't mind getting an investment if that's gonna help us in the future to, you know, borrow and buy or purchase our own place. So it doesn't have to be a a yeah. Move in. We just want to we just want something to own something. Yeah. So yeah. Exactly. So it's just that we are obviously super rich, but not well, I wouldn't say rich, but, like, but, you know, like, with all our income, it's all expenses with rent and kids and all that stuff. So it's just very hard for us. So what can we do to no. No. No. So and what's doable, what's not. You know, we just need that advice around what we have right now, what can be done, if we need to say, what what is our plan, that kind of thing. Because I think we both of us spoke differently to different advisers before about and then they did briefly talk about self manage and all of that stuff. But at that point in time, it was just because I was pregnant and all that and, you know, like, it was just a a lot to to take in. So well, we're settled now. We've got two kids, so we just want to do something right now. You know what I mean? So if if possible. Mhmm. Mhmm. Totally. Yep. Yep. Mhmm. Mhmm. Mhmm. Yep. Yep. Yeah. We're a first time buyers. Yeah. We will be first time buyers. Mhmm. Mhmm. Yep. Yep. Yep. Yep. Exactly. Yep. Yep. It's it's brand new. It's it's It's a maritime complex that they're about to a new development area that maritime is putting up. And And they will finish the end of next year. So they're just getting people with who to buy and everything like that. So Got it. Yeah. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Yep. Around the $9.09 50 mark. Yep. Yep. Mhmm. Mhmm. Yep. Correct. Yeah. Yep. Mhmm. Got it. No. Because our expenses is is very like, with the TRICARE and everything, it's it's quite expensive. So it's very hard. We yeah. It's very hard for us to everything with everything rising, like, before we we could. You know? But right now, we're we're struggling a little bit with the the finances. Just this year that we we Yeah. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Yeah. Income. Yeah. Yeah. Mhmm. Mhmm. Yep. Mhmm. Yep. Yeah. It's crazy. Yep. Yep. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Sure. Mhmm. Mhmm. Mhmm. No. That's good advice. Yep. Yep. Yeah. Yeah. Yeah. Mhmm. Mhmm. Yep. Mhmm. Yep. I don't mind you sending it through just for us to have a look. The other thing is, like, you know, I do take your advice and, you know, we really need to sit, you know, well, my husband and I, not you, to sit down and and and go through what, you know, our, you know, our cash flows and and what we can cut out and save and all that stuff. And it's good to hear that people are also struggling. It's just not us. We're not the the only one. You know? So yeah. And like you said, you know, I think it's gonna be, you know, another eighteen, twenty four months for that to to kind of settle it or whatnot and and for us to change our financial circumstances, and then we can discuss again. But definitely, I agree. Like, this whole, you know, self manage, it's confusing as it is. And all all the rush is not worth it. And, yeah, it's not advisable. So we won't proceed on with that. We just keep as is and, you know, just look at look at everything properly again. Yeah. Yeah. Yep. So do you sorry. Yeah. Go on. So I was just saying, like, you know, let's just say that we we are financially, you know, better in the future, and we reach out. And, you know, we've we still want to use our super to purchase, like, the investment. Like, can that be done? And then we can look at, like, property instead of, you know, there's no, like Okay. Can you hear there's a crossover or something or someone's? Yep. So can you hear did you hear what I just said? Oh, Yeah. Yeah. So I was just saying, like, because all this is with the self managed. Like, we don't have to have a property first. Like, have a property in mind we wanna purchase to set this all up, can it be that we set it up first with the view of looking for an investment property? Because I feel that the time, you know, like, the timeline of setting it up and then getting the bank approval, all that stuff. Like, does that make sense? Like, I mean, like, with the self manage, I mean, you can you anyone can decide on that. It doesn't have to be self managed and that the reason for self managed is to buy a property. Is that correct? Like, you you can choose to go with a super or self managed. Mhmm. Mhmm. Mhmm. Yep. Yep. Yeah. Mhmm. Mhmm. Oh, it's because of the new changes. Is that what you're saying? Oh. Oh, I see. Oh, I I get it. Yep. Sorry. I missed that whole call. Yeah. Yeah. Yep. Yep. Yep. That's not yeah. Exactly. No. Okay. Yeah. Yeah. I got it now. Yep. Sorry. I totally did miss the whole, you know, part of time then. Yeah. I didn't understand, but now understood. Yep. Yep. Yep. Yep. Yep. No. That's fine. Yep. Yeah. Yeah. Yep. Nice. Okay. Good. Yep. Yep. Mhmm. Mhmm. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Mhmm. You wanna process today? Okay. How many? Yep. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Yeah. Mhmm. Yep. Yep. Yeah. Sounds good. Yep. Yep. Yep. Yeah. Mhmm. Yep. Yeah. Good. Thank you so much. Yeah. Thank you. No. Totally not. You've we've learned a lot, so that's the main aim. Nope. Everything's fine. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Thank you so much for your time. Thank you. Alright. Take care. Take care. Yep. Bye. Have a good day. You too. Bye.","confidence":0.9863281,"words":[{"word":"fine","start":0.0,"end":0.5,"confidence":0.71777344,"punctuated_word":"Fine.","sentiment":"positive","sentiment_score":0.3614251315593719},{"word":"yeah","start":7.2,"end":7.52,"confidence":0.810791,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.28411078453063965},{"word":"good","start":7.52,"end":7.7599998,"confidence":0.8857422,"punctuated_word":"Good,","sentiment":"positive","sentiment_score":0.5256275534629822},{"word":"mate","start":7.7599998,"end":8.0,"confidence":0.9790039,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.42705315351486206},{"word":"good","start":8.0,"end":8.16,"confidence":0.97509766,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.5146170854568481},{"word":"good","start":8.16,"end":8.32,"confidence":0.99609375,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.5208474397659302},{"word":"good","start":8.32,"end":8.82,"confidence":0.99194336,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.597017765045166},{"word":"yeah","start":18.815,"end":19.055,"confidence":0.9489746,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.027831943705677983},{"word":"yeah","start":19.055,"end":19.375,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.027997620403766632},{"word":"i","start":19.375,"end":19.535,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02790706790983677},{"word":"just","start":19.535,"end":19.775,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.024178534746170044},{"word":"need","start":19.775,"end":20.015,"confidence":0.9980469,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.015318267047405245},{"word":"to","start":20.015,"end":20.175,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03178587555885315},{"word":"add","start":20.175,"end":20.335,"confidence":0.9902344,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.03615172207355499},{"word":"her","start":20.335,"end":20.575,"confidence":0.98828125,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.01862439326941967},{"word":"on","start":20.575,"end":21.075,"confidence":0.95166016,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.05313446372747421},{"word":"yep","start":32.510002,"end":32.75,"confidence":0.8059082,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0616459995508194},{"word":"yep","start":32.75,"end":32.99,"confidence":0.9667969,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08407104015350342},{"word":"that's","start":32.99,"end":33.23,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2122578471899033},{"word":"fine","start":33.23,"end":33.73,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.20954672992229464},{"word":"10/31/1982","start":38.67,"end":40.690002,"confidence":0.88201904,"punctuated_word":"10/31/1982,","sentiment":"neutral","sentiment_score":0.019640270620584488},{"word":"and","start":40.965,"end":41.204998,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.023900916799902916},{"word":"it","start":41.204998,"end":41.445,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.029889807105064392},{"word":"is","start":41.445,"end":41.684998,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.031328678131103516},{"word":"742","start":41.684998,"end":42.565,"confidence":0.99902344,"punctuated_word":"742","sentiment":"neutral","sentiment_score":0.04245677590370178},{"word":"slash","start":42.565,"end":42.965,"confidence":0.9980469,"punctuated_word":"Slash","sentiment":"neutral","sentiment_score":0.03803371265530586},{"word":"9","start":42.965,"end":43.465,"confidence":0.9980469,"punctuated_word":"9","sentiment":"neutral","sentiment_score":0.04635761305689812},{"word":"rothschild","start":43.605,"end":44.105,"confidence":0.7392578,"punctuated_word":"Rothschild","sentiment":"neutral","sentiment_score":0.06200900673866272},{"word":"avenue","start":44.164997,"end":44.565,"confidence":0.9951172,"punctuated_word":"Avenue","sentiment":"neutral","sentiment_score":0.05162462219595909},{"word":"in","start":44.565,"end":44.725,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04884041845798493},{"word":"roseberry","start":44.725,"end":45.225,"confidence":0.80061847,"punctuated_word":"Roseberry.","sentiment":"neutral","sentiment_score":0.06494364142417908},{"word":"yep","start":49.844997,"end":50.164997,"confidence":0.8251953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.054048217833042145},{"word":"alright","start":50.164997,"end":50.485,"confidence":0.9921875,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.06849394738674164},{"word":"give","start":50.485,"end":50.725,"confidence":0.8510742,"punctuated_word":"Give","sentiment":"neutral","sentiment_score":0.04568341746926308},{"word":"me","start":50.725,"end":50.805,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05467569082975387},{"word":"a","start":50.805,"end":50.885,"confidence":0.97998047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04910659044981003},{"word":"sec","start":50.885,"end":51.385,"confidence":0.78393555,"punctuated_word":"sec.","sentiment":"neutral","sentiment_score":0.04883666709065437},{"word":"alright","start":76.865005,"end":77.345,"confidence":0.9030762,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.11606341600418092},{"word":"i've","start":77.345,"end":77.505005,"confidence":0.99853516,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.10055044293403624},{"word":"got","start":77.505005,"end":77.665,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11616970598697662},{"word":"vivian","start":77.665,"end":78.065,"confidence":0.96240234,"punctuated_word":"Vivian","sentiment":"neutral","sentiment_score":0.1210031732916832},{"word":"on","start":78.065,"end":78.145004,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13233453035354614},{"word":"the","start":78.145004,"end":78.305,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1278197169303894},{"word":"line","start":78.305,"end":78.805,"confidence":0.9995117,"punctuated_word":"line.","sentiment":"neutral","sentiment_score":0.12017150223255156},{"word":"hello","start":79.265,"end":79.765,"confidence":0.9802246,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.10753363370895386},{"word":"good","start":84.659996,"end":85.06,"confidence":0.9970703,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.37619784474372864},{"word":"thank","start":85.06,"end":85.299995,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5559464693069458},{"word":"you","start":85.299995,"end":85.619995,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4852121770381927},{"word":"thanks","start":85.619995,"end":85.85999,"confidence":0.99902344,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.5809357166290283},{"word":"for","start":85.85999,"end":86.1,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5910698175430298},{"word":"your","start":86.1,"end":86.34,"confidence":0.984375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5398629307746887},{"word":"time","start":86.34,"end":86.84,"confidence":1.0,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.5710636377334595},{"word":"yeah","start":96.295006,"end":96.795006,"confidence":0.8547363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03417050838470459},{"word":"yeah","start":96.855,"end":97.255005,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03586282581090927},{"word":"yeah","start":97.255005,"end":97.495,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04753421992063522},{"word":"sure","start":97.495,"end":97.995,"confidence":0.99609375,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.05192572623491287},{"word":"yep","start":101.575005,"end":102.075005,"confidence":0.9790039,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.029831325635313988},{"word":"yep","start":103.655,"end":104.155,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01482916809618473},{"word":"yep","start":104.375,"end":104.875,"confidence":0.97143555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01622971147298813},{"word":"six","start":108.0,"end":108.16,"confidence":0.62646484,"punctuated_word":"Six","sentiment":"neutral","sentiment_score":0.002158932387828827},{"word":"of","start":108.16,"end":108.240005,"confidence":0.98535156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007503729313611984},{"word":"the","start":108.240005,"end":108.4,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009465983137488363},{"word":"second","start":108.4,"end":108.8,"confidence":0.99316406,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.007539905607700348},{"word":"nineteen","start":108.8,"end":109.12,"confidence":0.97802734,"punctuated_word":"nineteen","sentiment":"neutral","sentiment_score":0.008438999764621258},{"word":"eighty","start":109.12,"end":109.520004,"confidence":0.99902344,"punctuated_word":"eighty","sentiment":"neutral","sentiment_score":0.01382475346326828},{"word":"four","start":109.520004,"end":109.840004,"confidence":0.98535156,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.014410797506570816},{"word":"my","start":109.840004,"end":110.08,"confidence":0.99609375,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.0042038969695568085},{"word":"address","start":110.08,"end":110.4,"confidence":0.9394531,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.004198756068944931},{"word":"is","start":110.4,"end":110.64,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.009170055389404295},{"word":"7","start":110.64,"end":110.96,"confidence":0.88427734,"punctuated_word":"7","sentiment":"neutral","sentiment_score":0.0025496166199445724},{"word":"oh","start":112.64,"end":112.8,"confidence":0.9921875,"punctuated_word":"oh","sentiment":"neutral","sentiment_score":0.005402959883213043},{"word":"god","start":112.8,"end":113.3,"confidence":0.71777344,"punctuated_word":"god.","sentiment":"neutral","sentiment_score":0.003644803538918495},{"word":"42","start":113.76,"end":114.560005,"confidence":0.81518555,"punctuated_word":"42","sentiment":"neutral","sentiment_score":0.005243535153567791},{"word":"there","start":114.560005,"end":114.96,"confidence":0.5015259,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0030541028827428818},{"word":"742","start":114.96,"end":115.840004,"confidence":0.954834,"punctuated_word":"742.","sentiment":"neutral","sentiment_score":0.0059286002069711685},{"word":"yes","start":115.840004,"end":116.16,"confidence":0.91625977,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.015667680650949478},{"word":"sorry","start":116.16,"end":116.4,"confidence":0.9411621,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.018731795251369476},{"word":"july","start":116.4,"end":117.28,"confidence":0.83671063,"punctuated_word":"July.","sentiment":"neutral","sentiment_score":-0.006543220020830631},{"word":"and","start":117.28,"end":117.44,"confidence":0.24401855,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0032987315207719803},{"word":"i","start":117.44,"end":117.68,"confidence":0.9716797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.001670636236667633},{"word":"have","start":117.68,"end":117.840004,"confidence":0.37890625,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0014332812279462814},{"word":"child","start":117.840004,"end":118.340004,"confidence":0.5722656,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.019328050315380096},{"word":"of","start":118.64,"end":118.880005,"confidence":0.47973633,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.027771595865488052},{"word":"roseberry","start":118.880005,"end":119.380005,"confidence":0.805013,"punctuated_word":"Roseberry.","sentiment":"neutral","sentiment_score":0.04299046844244003},{"word":"mhmm","start":128.705,"end":129.205,"confidence":0.9868164,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03996237739920616},{"word":"yep","start":133.185,"end":133.685,"confidence":0.9980469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12808941304683685},{"word":"correct","start":145.36,"end":145.86,"confidence":0.88916016,"punctuated_word":"Correct.","sentiment":"positive","sentiment_score":0.4966544508934021},{"word":"yep","start":150.88,"end":151.38,"confidence":0.8051758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05598783120512962},{"word":"yeah","start":152.055,"end":152.555,"confidence":0.79663086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04610122740268707},{"word":"no","start":163.17499,"end":163.575,"confidence":0.9160156,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13587775826454165},{"word":"no","start":163.575,"end":164.075,"confidence":0.9892578,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14452391862869263},{"word":"yeah","start":175.65,"end":176.04999,"confidence":0.8898926,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00868089310824871},{"word":"so","start":176.04999,"end":176.29,"confidence":0.9482422,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004397907294332981},{"word":"the","start":176.29,"end":176.45,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0008099358528852463},{"word":"purchase","start":176.45,"end":176.84999,"confidence":0.9589844,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.0018003545701503754},{"word":"price","start":176.84999,"end":177.09,"confidence":0.9838867,"punctuated_word":"price","sentiment":"neutral","sentiment_score":-0.0044625308364629745},{"word":"is","start":177.09,"end":177.59,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0015790220350027084},{"word":"around","start":177.81,"end":178.12999,"confidence":0.99902344,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.007338576018810272},{"word":"800","start":178.12999,"end":178.87,"confidence":0.99780273,"punctuated_word":"800.","sentiment":"neutral","sentiment_score":-0.0023410553112626076},{"word":"it's","start":181.405,"end":181.645,"confidence":0.98461914,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.008232487365603447},{"word":"in","start":181.645,"end":181.805,"confidence":0.9838867,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01365821436047554},{"word":"carlingford","start":181.805,"end":182.305,"confidence":0.89538574,"punctuated_word":"Carlingford.","sentiment":"neutral","sentiment_score":-0.016199009492993355},{"word":"it's","start":183.325,"end":183.645,"confidence":0.98999023,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.025654977187514305},{"word":"an","start":183.645,"end":183.805,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.026244208216667175},{"word":"apartment","start":183.805,"end":184.285,"confidence":0.92749023,"punctuated_word":"apartment.","sentiment":"neutral","sentiment_score":-0.03989972919225693},{"word":"it'll","start":184.285,"end":184.605,"confidence":0.7529297,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":-0.06538545340299606},{"word":"be","start":184.605,"end":184.765,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.060456424951553345},{"word":"bought","start":184.765,"end":185.005,"confidence":0.9140625,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":-0.06530718505382538},{"word":"off","start":185.005,"end":185.165,"confidence":0.8286133,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.045218758285045624},{"word":"the","start":185.165,"end":185.325,"confidence":0.9013672,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05705673992633819},{"word":"plan","start":185.325,"end":185.825,"confidence":0.9194336,"punctuated_word":"plan.","sentiment":"neutral","sentiment_score":-0.04240693151950836},{"word":"and","start":188.365,"end":188.725,"confidence":0.9091797,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.009128311648964882},{"word":"yeah","start":189.08499,"end":189.485,"confidence":0.98413086,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0104060098528862},{"word":"basically","start":189.485,"end":189.885,"confidence":0.98657227,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":-0.0009899623692035675},{"word":"we're","start":189.885,"end":190.045,"confidence":0.9951172,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.009615267626941204},{"word":"just","start":190.045,"end":190.205,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.005207233130931854},{"word":"looking","start":190.205,"end":190.525,"confidence":0.9970703,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.002670418471097946},{"word":"at","start":190.525,"end":190.685,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.006315317004919052},{"word":"options","start":190.685,"end":191.185,"confidence":0.98706055,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":-0.0010449569672346115},{"word":"so","start":191.405,"end":191.805,"confidence":0.8937988,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.019847633317112923},{"word":"obviously","start":191.805,"end":192.205,"confidence":0.9995117,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.01591729372739792},{"word":"one","start":192.205,"end":192.365,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.01861513778567314},{"word":"of","start":192.365,"end":192.44499,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.018276531249284744},{"word":"the","start":192.44499,"end":192.525,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01479201763868332},{"word":"options","start":192.525,"end":192.925,"confidence":0.99902344,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.0034746266901493073},{"word":"was","start":192.925,"end":193.165,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.01625722646713257},{"word":"to","start":193.165,"end":193.325,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00573127344250679},{"word":"get","start":193.325,"end":193.825,"confidence":0.9951172,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.012213822454214096},{"word":"to","start":194.08,"end":194.31999,"confidence":0.9819336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0043168216943740845},{"word":"borrow","start":194.31999,"end":194.56,"confidence":0.9970703,"punctuated_word":"borrow","sentiment":"neutral","sentiment_score":-0.004801187664270401},{"word":"from","start":194.56,"end":194.8,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.02307654544711113},{"word":"the","start":194.8,"end":194.95999,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02106720209121704},{"word":"bank","start":194.95999,"end":195.45999,"confidence":0.98217773,"punctuated_word":"bank.","sentiment":"neutral","sentiment_score":-0.017425458878278732},{"word":"another","start":196.08,"end":196.48,"confidence":0.9941406,"punctuated_word":"Another","sentiment":"neutral","sentiment_score":-0.010008540004491806},{"word":"one","start":196.48,"end":196.72,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.00106753408908844},{"word":"was","start":196.72,"end":196.88,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.007755395025014877},{"word":"asking","start":196.88,"end":197.38,"confidence":1.0,"punctuated_word":"asking","sentiment":"neutral","sentiment_score":-0.0021014250814914703},{"word":"it","start":198.56,"end":198.72,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.009821899235248566},{"word":"was","start":198.72,"end":199.04,"confidence":0.79052734,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":-0.013375964015722277},{"word":"like","start":199.04,"end":199.36,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.003997275605797768},{"word":"a","start":199.36,"end":199.52,"confidence":0.96240234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":1.300126314163208e-6},{"word":"percent","start":199.52,"end":200.02,"confidence":0.88720703,"punctuated_word":"percent.","sentiment":"neutral","sentiment_score":-0.01146578136831522},{"word":"they","start":200.23999,"end":200.4,"confidence":0.9301758,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.01955560222268105},{"word":"just","start":200.4,"end":200.72,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.014780215919017792},{"word":"needed","start":200.72,"end":201.22,"confidence":0.97998047,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":-0.013375647366046906},{"word":"5%","start":202.0,"end":202.31999,"confidence":0.5037842,"punctuated_word":"5%.","sentiment":"neutral","sentiment_score":0.0008597871055826545},{"word":"okay","start":202.31999,"end":202.48,"confidence":0.6932373,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.016605667769908905},{"word":"it","start":202.48,"end":202.64,"confidence":0.77978516,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.0013845115900039673},{"word":"was","start":202.64,"end":202.8,"confidence":0.9291992,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":0.004522712901234627},{"word":"like","start":202.8,"end":203.12,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.012268655933439732},{"word":"5%","start":203.12,"end":203.68,"confidence":0.9908447,"punctuated_word":"5%.","sentiment":"neutral","sentiment_score":0.009816186502575874},{"word":"yeah","start":203.68,"end":203.92,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01576610840857029},{"word":"they","start":203.92,"end":204.08,"confidence":0.9589844,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.0028154589235782623},{"word":"were","start":204.08,"end":204.23999,"confidence":0.9741211,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.011707652360200882},{"word":"only","start":204.23999,"end":204.48,"confidence":0.9921875,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.02253533899784088},{"word":"asking","start":204.48,"end":204.8,"confidence":0.99902344,"punctuated_word":"asking","sentiment":"neutral","sentiment_score":0.0070540569722652435},{"word":"for","start":204.8,"end":204.95999,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.003009609878063202},{"word":"5%","start":204.95999,"end":205.7,"confidence":0.99902344,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.030844002962112427},{"word":"as","start":206.16,"end":206.31999,"confidence":0.94384766,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.012652486562728882},{"word":"opposed","start":206.31999,"end":206.72,"confidence":0.9819336,"punctuated_word":"opposed","sentiment":"neutral","sentiment_score":-0.0024246498942375183},{"word":"to","start":206.72,"end":206.95999,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0017688870429992676},{"word":"what","start":206.95999,"end":207.2,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.019812941551208496},{"word":"they","start":207.2,"end":207.36,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.02630878239870071},{"word":"would","start":207.36,"end":207.52,"confidence":0.83251953,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.02316512167453766},{"word":"usually","start":207.52,"end":207.92,"confidence":1.0,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":-0.023832038044929504},{"word":"ask","start":207.92,"end":208.23999,"confidence":0.9760742,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":-0.02310972660779953},{"word":"for","start":208.23999,"end":208.73999,"confidence":0.9104004,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":-0.007123192772269249},{"word":"and","start":209.12,"end":209.62,"confidence":0.72631836,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.06422997266054153},{"word":"well","start":209.68,"end":209.895,"confidence":0.9711914,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.06911095976829529},{"word":"basically","start":210.05501,"end":210.215,"confidence":0.9875488,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.07480418682098389},{"word":"we","start":210.215,"end":210.375,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13266107439994812},{"word":"just","start":210.375,"end":210.695,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12024638056755066},{"word":"wanted","start":210.695,"end":211.195,"confidence":0.9970703,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.11670392751693726},{"word":"to","start":211.335,"end":211.49501,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14153707027435303},{"word":"navigate","start":211.49501,"end":211.99501,"confidence":0.99902344,"punctuated_word":"navigate","sentiment":"neutral","sentiment_score":0.13944312930107117},{"word":"to","start":212.375,"end":212.615,"confidence":0.92333984,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.140996053814888},{"word":"see","start":212.615,"end":213.115,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.13034296035766602},{"word":"how","start":213.255,"end":213.49501,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1254160702228546},{"word":"possible","start":213.49501,"end":213.895,"confidence":0.9760742,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.19116024672985077},{"word":"it","start":213.895,"end":214.05501,"confidence":0.9741211,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20101118087768555},{"word":"is","start":214.05501,"end":214.215,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1576635241508484},{"word":"for","start":214.215,"end":214.375,"confidence":0.8183594,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2101195901632309},{"word":"us","start":214.375,"end":214.535,"confidence":0.7027588,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.16714853048324585},{"word":"i","start":214.535,"end":214.615,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.33308112621307373},{"word":"mean","start":214.615,"end":215.015,"confidence":0.9848633,"punctuated_word":"mean,","sentiment":"positive","sentiment_score":0.39114755392074585},{"word":"it","start":215.015,"end":215.175,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.49333125352859497},{"word":"it","start":215.175,"end":215.255,"confidence":0.5175781,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5291293859481812},{"word":"is","start":215.255,"end":215.41501,"confidence":0.99609375,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5106467008590698},{"word":"a","start":215.41501,"end":215.49501,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5519316792488098},{"word":"very","start":215.49501,"end":215.655,"confidence":0.99902344,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.4599992632865906},{"word":"good","start":215.655,"end":215.895,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.43345907330513},{"word":"deal","start":215.895,"end":216.395,"confidence":0.99609375,"punctuated_word":"deal.","sentiment":"positive","sentiment_score":0.41302505135536194},{"word":"we","start":216.695,"end":216.85501,"confidence":0.89990234,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.18883273005485535},{"word":"know","start":216.85501,"end":217.015,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2115725725889206},{"word":"the","start":217.015,"end":217.175,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1794707179069519},{"word":"person","start":217.175,"end":217.675,"confidence":1.0,"punctuated_word":"person","sentiment":"neutral","sentiment_score":0.2445797175168991},{"word":"through","start":218.13501,"end":218.63501,"confidence":0.9116211,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.16548418998718262},{"word":"a","start":218.935,"end":219.095,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11322429776191711},{"word":"close","start":219.095,"end":219.335,"confidence":0.99609375,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.10346901416778564},{"word":"friend","start":219.335,"end":219.575,"confidence":0.99902344,"punctuated_word":"friend","sentiment":"neutral","sentiment_score":0.14166611433029175},{"word":"of","start":219.575,"end":219.735,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15134665369987488},{"word":"ours","start":219.735,"end":220.235,"confidence":0.98950195,"punctuated_word":"ours.","sentiment":"neutral","sentiment_score":0.140484020113945},{"word":"she's","start":220.615,"end":220.85501,"confidence":0.8901367,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":0.13115887343883514},{"word":"been","start":220.85501,"end":221.015,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.09210538864135742},{"word":"doing","start":221.015,"end":221.255,"confidence":0.9980469,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.10557937622070312},{"word":"this","start":221.255,"end":221.49501,"confidence":0.9453125,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.14478744566440582},{"word":"for","start":221.49501,"end":221.655,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08275306224822998},{"word":"a","start":221.655,"end":221.735,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07618772238492966},{"word":"while","start":221.735,"end":221.975,"confidence":0.76586914,"punctuated_word":"while,","sentiment":"neutral","sentiment_score":0.11603245884180068},{"word":"and","start":221.975,"end":222.475,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14413052797317505},{"word":"the","start":223.335,"end":223.575,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1862736344337463},{"word":"the","start":223.575,"end":223.655,"confidence":0.50927734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1977047622203827},{"word":"opportunity","start":223.655,"end":224.155,"confidence":0.98535156,"punctuated_word":"opportunity","sentiment":"neutral","sentiment_score":0.18573859333992004},{"word":"was","start":224.535,"end":224.77501,"confidence":0.9941406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.23023895919322968},{"word":"offered","start":224.77501,"end":225.095,"confidence":0.9980469,"punctuated_word":"offered","sentiment":"neutral","sentiment_score":0.2220374047756195},{"word":"to","start":225.095,"end":225.255,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1915355920791626},{"word":"us","start":225.255,"end":225.57,"confidence":0.95996094,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.12678682804107666},{"word":"and","start":226.61,"end":226.77,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0725664347410202},{"word":"so","start":226.77,"end":226.93001,"confidence":0.6427002,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.07188361883163452},{"word":"yeah","start":226.93001,"end":227.09001,"confidence":0.9321289,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.07870876789093018},{"word":"we","start":227.09001,"end":227.25,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07087039947509766},{"word":"just","start":227.25,"end":227.41,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06453767418861389},{"word":"wanted","start":227.41,"end":227.73001,"confidence":0.7709961,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.032706234604120255},{"word":"want","start":227.73001,"end":228.05,"confidence":0.55908203,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.04378478229045868},{"word":"to","start":228.05,"end":228.13,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05313221365213394},{"word":"see","start":228.13,"end":228.63,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.05260587856173515},{"word":"how","start":228.69,"end":229.01001,"confidence":0.96875,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.04136427864432335},{"word":"possible","start":229.01001,"end":229.41,"confidence":0.99316406,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.057760197669267654},{"word":"is","start":229.41,"end":229.73001,"confidence":0.9165039,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.041616737842559814},{"word":"it","start":229.73001,"end":229.81001,"confidence":0.40637207,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.021805081516504288},{"word":"should","start":229.81001,"end":230.05,"confidence":1.0,"punctuated_word":"Should","sentiment":"neutral","sentiment_score":-0.05016208812594414},{"word":"we","start":230.05,"end":230.21,"confidence":0.8557129,"punctuated_word":"we,","sentiment":"neutral","sentiment_score":-0.03815654665231705},{"word":"shouldn't","start":230.21,"end":230.69,"confidence":0.9995117,"punctuated_word":"shouldn't","sentiment":"neutral","sentiment_score":-0.03612321615219116},{"word":"we","start":230.69,"end":231.19,"confidence":0.8718262,"punctuated_word":"we,","sentiment":"neutral","sentiment_score":-0.04200805723667145},{"word":"risks","start":231.89001,"end":232.39001,"confidence":0.8894043,"punctuated_word":"risks,","sentiment":"neutral","sentiment_score":-0.04166357219219208},{"word":"etcetera","start":232.45001,"end":232.95001,"confidence":0.8779297,"punctuated_word":"etcetera.","sentiment":"neutral","sentiment_score":-0.0010144703555852177},{"word":"correct","start":251.305,"end":251.805,"confidence":0.6229248,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.03878115862607956},{"word":"no","start":266.33,"end":266.73,"confidence":0.9433594,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09320103377103806},{"word":"nothing","start":266.73,"end":267.23,"confidence":0.9272461,"punctuated_word":"Nothing.","sentiment":"neutral","sentiment_score":-0.04536116123199463},{"word":"yep","start":275.215,"end":275.715,"confidence":0.9187012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08011430501937866},{"word":"mhmm","start":340.83502,"end":341.23502,"confidence":0.9180908,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04373061656951904},{"word":"yep","start":341.23502,"end":341.73502,"confidence":0.98168945,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14105086028575897},{"word":"mhmm","start":349.19,"end":349.69,"confidence":0.9779053,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.10118690133094788},{"word":"mhmm","start":361.01498,"end":361.41498,"confidence":0.9395752,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.10426516830921172},{"word":"yep","start":361.41498,"end":361.91498,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19915515184402463},{"word":"mhmm","start":367.895,"end":368.395,"confidence":0.9696045,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.14164787530899048},{"word":"right","start":388.01498,"end":388.51498,"confidence":0.984375,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.20151636004447937},{"word":"yep","start":400.405,"end":400.655,"confidence":0.9941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.151528462767601},{"word":"yep","start":400.655,"end":401.155,"confidence":0.93603516,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11142127215862274},{"word":"yep","start":401.455,"end":401.955,"confidence":0.9765625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1815158575773239},{"word":"mhmm","start":424.425,"end":424.925,"confidence":0.99194336,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1121237725019455},{"word":"yep","start":424.985,"end":425.485,"confidence":0.9890137,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.26849424839019775},{"word":"okay","start":438.00998,"end":438.50998,"confidence":0.9719238,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09513262659311296},{"word":"mhmm","start":453.785,"end":454.285,"confidence":0.90686035,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07877356559038162},{"word":"mhmm","start":475.315,"end":475.79498,"confidence":0.94433594,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.11343909800052644},{"word":"yep","start":475.79498,"end":476.29498,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1463363617658615},{"word":"mhmm","start":495.56,"end":495.63998,"confidence":0.88220215,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06579212844371796},{"word":"yep","start":495.63998,"end":496.13998,"confidence":0.70996094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07369153201580048},{"word":"yep","start":496.19998,"end":496.69998,"confidence":0.9941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07831794023513794},{"word":"that's","start":526.36,"end":526.68,"confidence":0.8601074,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.05519399046897888},{"word":"right","start":526.68,"end":527.18,"confidence":0.9609375,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.07415549457073212},{"word":"yep","start":528.36,"end":528.86,"confidence":0.9628906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0259416364133358},{"word":"yep","start":528.945,"end":529.445,"confidence":0.84887695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01075358595699072},{"word":"yes","start":536.5125,"end":537.0125,"confidence":0.8034668,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0029888153076171875},{"word":"okay","start":639.965,"end":640.28503,"confidence":0.7741699,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.16743965446949005},{"word":"what","start":640.28503,"end":640.445,"confidence":0.69189453,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.20233167707920072},{"word":"can","start":640.445,"end":640.60504,"confidence":0.98095703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.200920432806015},{"word":"we","start":640.60504,"end":640.765,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11984436213970184},{"word":"do","start":640.765,"end":641.265,"confidence":0.9946289,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":-0.12056416273117064},{"word":"sorry","start":664.99,"end":665.31,"confidence":0.76464844,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.2291429042816162},{"word":"what's","start":665.31,"end":665.55,"confidence":0.9448242,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.2238635420799255},{"word":"the","start":665.55,"end":665.71,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17482972145080566},{"word":"last","start":665.71,"end":665.95,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.16796517372131348},{"word":"bit","start":665.95,"end":666.45,"confidence":0.99609375,"punctuated_word":"bit?","sentiment":"neutral","sentiment_score":-0.17797154188156128},{"word":"yep","start":685.79004,"end":686.29004,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20875084400177},{"word":"if","start":709.66003,"end":710.06,"confidence":0.95410156,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.13461077213287354},{"word":"the","start":710.06,"end":710.3,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10594400763511658},{"word":"deal","start":710.3,"end":710.7,"confidence":0.99609375,"punctuated_word":"deal","sentiment":"neutral","sentiment_score":0.024301916360855103},{"word":"can","start":710.7,"end":711.02,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16640949249267578},{"word":"be","start":711.02,"end":711.34,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03522235155105591},{"word":"extended","start":711.34,"end":711.84,"confidence":0.82373047,"punctuated_word":"extended,","sentiment":"neutral","sentiment_score":0.04619843140244484},{"word":"is","start":712.38,"end":712.62,"confidence":0.87353516,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08834907412528992},{"word":"is","start":712.62,"end":712.78,"confidence":0.75683594,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11388638615608215},{"word":"that","start":712.78,"end":713.02,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08908437937498093},{"word":"what","start":713.02,"end":713.18,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05111856013536453},{"word":"you're","start":713.18,"end":713.5,"confidence":0.98583984,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06241382285952568},{"word":"saying","start":713.5,"end":713.9,"confidence":0.9812012,"punctuated_word":"saying?","sentiment":"neutral","sentiment_score":0.06461261212825775},{"word":"like","start":713.9,"end":714.06,"confidence":0.97387695,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.1089731752872467},{"word":"if","start":714.06,"end":714.22003,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1489575058221817},{"word":"we","start":714.22003,"end":714.38,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12297947704792024},{"word":"can","start":714.38,"end":714.62,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18786321580410004},{"word":"get","start":714.62,"end":714.86,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15158522129058838},{"word":"the","start":714.86,"end":715.02,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12205350399017334},{"word":"deal","start":715.02,"end":715.26,"confidence":0.9970703,"punctuated_word":"deal","sentiment":"neutral","sentiment_score":0.09985453635454178},{"word":"to","start":715.26,"end":715.5,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19360068440437317},{"word":"be","start":715.5,"end":715.74,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12066695094108582},{"word":"extended","start":715.74,"end":716.14,"confidence":0.99902344,"punctuated_word":"extended","sentiment":"neutral","sentiment_score":0.1313374787569046},{"word":"to","start":716.14,"end":716.3,"confidence":0.9633789,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10806865245103836},{"word":"give","start":716.3,"end":716.46,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.08733964711427689},{"word":"us","start":716.46,"end":716.7,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.0903785303235054},{"word":"a","start":716.7,"end":716.78,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12554126977920532},{"word":"bit","start":716.78,"end":717.1,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05325151979923248},{"word":"more","start":717.1,"end":717.42,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.04691121727228165},{"word":"time","start":717.42,"end":717.92,"confidence":0.97314453,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.14024385809898376},{"word":"then","start":718.22003,"end":718.72003,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16718465089797974},{"word":"then","start":719.02,"end":719.34,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.18307290971279144},{"word":"it","start":719.34,"end":719.58,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15736739337444303},{"word":"will","start":719.58,"end":719.74,"confidence":0.9902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1476563662290573},{"word":"be","start":719.74,"end":719.98,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14595988392829895},{"word":"okay","start":719.98,"end":720.48,"confidence":0.91552734,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.1141934096813202},{"word":"right","start":735.61,"end":736.11,"confidence":0.99560547,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.04901473596692085},{"word":"oh","start":736.25,"end":736.41,"confidence":0.7155762,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.0501214936375618},{"word":"okay","start":736.41,"end":736.73,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.06127943843603134},{"word":"because","start":736.73,"end":737.23,"confidence":0.99902344,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.08104442059993744},{"word":"the","start":737.44995,"end":737.68994,"confidence":0.9316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10883644223213196},{"word":"setup","start":737.68994,"end":738.00995,"confidence":0.81933594,"punctuated_word":"setup","sentiment":"neutral","sentiment_score":-0.13608209788799286},{"word":"and","start":738.00995,"end":738.17,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16934597492218018},{"word":"everything","start":738.17,"end":738.56995,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.2556976079940796},{"word":"is","start":738.56995,"end":738.81,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.15243571996688843},{"word":"eating","start":738.81,"end":739.05,"confidence":0.9482422,"punctuated_word":"eating","sentiment":"neutral","sentiment_score":-0.18744267523288727},{"word":"into","start":739.05,"end":739.37,"confidence":0.9951172,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.33234167098999023},{"word":"the","start":739.37,"end":739.87,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2435334175825119},{"word":"time","start":740.73,"end":741.05,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.250743567943573},{"word":"of","start":741.05,"end":741.37,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2869457006454468},{"word":"the","start":741.37,"end":741.61,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21854209899902344},{"word":"loan","start":741.61,"end":742.08997,"confidence":0.9921875,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.24550491571426392},{"word":"application","start":742.08997,"end":742.58997,"confidence":0.6538086,"punctuated_word":"application,","sentiment":"neutral","sentiment_score":-0.22766190767288208},{"word":"like","start":743.37,"end":743.52997,"confidence":0.6779785,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.151042640209198},{"word":"into","start":743.52997,"end":743.76996,"confidence":0.79003906,"punctuated_word":"into","sentiment":"negative","sentiment_score":-0.3348485827445984},{"word":"the","start":743.76996,"end":744.08997,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18651357293128967},{"word":"forty","start":744.08997,"end":744.32996,"confidence":0.9951172,"punctuated_word":"forty","sentiment":"neutral","sentiment_score":-0.14593569934368134},{"word":"five","start":744.32996,"end":744.56995,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.15620604157447815},{"word":"days","start":744.56995,"end":744.88995,"confidence":0.97436523,"punctuated_word":"days.","sentiment":"neutral","sentiment_score":-0.029413100332021713},{"word":"right","start":744.88995,"end":745.38995,"confidence":0.9211426,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.0663415715098381},{"word":"okay","start":776.06,"end":776.56,"confidence":0.81640625,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11286285519599916},{"word":"so","start":856.99,"end":857.31,"confidence":0.5600586,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004346109926700592},{"word":"with","start":857.31,"end":857.55,"confidence":0.9589844,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02404402568936348},{"word":"the","start":857.55,"end":857.79,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03130388259887695},{"word":"self","start":857.79,"end":858.19,"confidence":0.87841797,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.04008860886096954},{"word":"managed","start":858.19,"end":858.69,"confidence":0.9597168,"punctuated_word":"managed,","sentiment":"neutral","sentiment_score":0.05179537832736969},{"word":"we","start":858.82996,"end":859.07,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09276755154132844},{"word":"also","start":859.07,"end":859.57,"confidence":0.62158203,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06316874921321869},{"word":"manage","start":859.79,"end":860.19,"confidence":0.9873047,"punctuated_word":"manage","sentiment":"neutral","sentiment_score":0.04116779565811157},{"word":"that","start":860.19,"end":860.58997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02820553630590439},{"word":"ourselves","start":860.58997,"end":861.08997,"confidence":0.98950195,"punctuated_word":"ourselves.","sentiment":"neutral","sentiment_score":0.0561748631298542},{"word":"that's","start":861.14996,"end":861.465,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0872819572687149},{"word":"pretty","start":861.54504,"end":861.78503,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.0901099443435669},{"word":"much","start":861.78503,"end":861.945,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.11392770707607268},{"word":"what","start":861.945,"end":862.265,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05640277266502381},{"word":"it","start":862.265,"end":862.42505,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08823861181735992},{"word":"is","start":862.42505,"end":862.74506,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09212803840637208},{"word":"about","start":862.74506,"end":863.22504,"confidence":0.9975586,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":0.07769981026649475},{"word":"is","start":863.22504,"end":863.385,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.07304886728525162},{"word":"that","start":863.385,"end":863.54504,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07817193865776062},{"word":"right","start":863.54504,"end":864.04504,"confidence":0.9995117,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.05215684324502945},{"word":"like","start":864.585,"end":864.98505,"confidence":0.9851074,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.02611784264445305},{"word":"if","start":864.98505,"end":865.22504,"confidence":0.99121094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01871471107006073},{"word":"we","start":865.22504,"end":865.625,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.009849192574620249},{"word":"we","start":865.625,"end":866.10504,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0691562071442604},{"word":"take","start":866.10504,"end":866.42505,"confidence":0.99316406,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.08295878022909164},{"word":"everything","start":866.42505,"end":866.92505,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.06157075613737106},{"word":"out","start":867.22504,"end":867.625,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.061988525092601776},{"word":"and","start":867.625,"end":867.945,"confidence":0.5966797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03565602749586105},{"word":"then","start":867.945,"end":868.185,"confidence":0.85375977,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.05901261791586876},{"word":"obviously","start":868.185,"end":868.505,"confidence":0.99902344,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.03621281310915947},{"word":"we","start":868.505,"end":868.905,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05005168169736862},{"word":"don't","start":868.905,"end":869.145,"confidence":0.9379883,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.014029618352651596},{"word":"have","start":869.145,"end":869.385,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0011904239654541016},{"word":"any","start":869.385,"end":869.885,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.002299979329109192},{"word":"but","start":871.065,"end":871.22504,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.018740303814411163},{"word":"then","start":871.22504,"end":871.465,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06707623600959778},{"word":"you","start":871.465,"end":871.705,"confidence":0.97265625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04559718072414398},{"word":"you","start":871.705,"end":871.945,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.042780544608831406},{"word":"were","start":871.945,"end":872.185,"confidence":0.99609375,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.03246814012527466},{"word":"talking","start":872.185,"end":872.585,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.04588060081005096},{"word":"about","start":872.585,"end":872.98505,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04398864507675171},{"word":"the","start":872.98505,"end":873.30505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05476895719766617},{"word":"investment","start":873.30505,"end":873.80505,"confidence":0.9926758,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.03788308799266815},{"word":"the","start":874.185,"end":874.42505,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09532693773508072},{"word":"hub","start":874.42505,"end":874.825,"confidence":0.96240234,"punctuated_word":"hub,","sentiment":"neutral","sentiment_score":0.07977369427680969},{"word":"and","start":874.825,"end":874.98505,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06644991040229797},{"word":"all","start":874.98505,"end":875.145,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06081521883606911},{"word":"of","start":875.145,"end":875.30505,"confidence":0.5317383,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05992947891354561},{"word":"that","start":875.30505,"end":875.705,"confidence":0.88964844,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.04330006241798401},{"word":"that's","start":875.705,"end":876.025,"confidence":0.9211426,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10687552392482758},{"word":"because","start":876.025,"end":876.42505,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0935848504304886},{"word":"we're","start":876.42505,"end":876.585,"confidence":0.7607422,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.17482690513134003},{"word":"still","start":876.585,"end":876.98505,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1533416211605072},{"word":"linked","start":876.98505,"end":877.44,"confidence":0.9453125,"punctuated_word":"linked","sentiment":"neutral","sentiment_score":0.1481214463710785},{"word":"to","start":877.44,"end":877.68,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17527002096176147},{"word":"you","start":877.68,"end":877.84,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14532938599586487},{"word":"guys","start":877.84,"end":878.24,"confidence":0.99609375,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.1650017946958542},{"word":"as","start":878.24,"end":878.4,"confidence":0.9506836,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08120572566986084},{"word":"a","start":878.4,"end":878.56,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1119145005941391},{"word":"self","start":878.56,"end":878.88,"confidence":0.99902344,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.08389736711978912},{"word":"managed","start":878.88,"end":879.38,"confidence":0.96875,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.09768174588680267},{"word":"fund","start":879.76,"end":880.26,"confidence":0.748291,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.06722435355186462},{"word":"i'm","start":881.76,"end":882.0,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07067304104566574},{"word":"not","start":882.0,"end":882.32,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04876616597175598},{"word":"i'm","start":882.32,"end":882.48,"confidence":0.9848633,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0550990030169487},{"word":"not","start":882.48,"end":882.98,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.022496387362480164},{"word":"yeah","start":884.56,"end":885.06,"confidence":0.99365234,"punctuated_word":"yeah.","sentiment":"positive","sentiment_score":0.34122300148010254},{"word":"yep","start":890.0,"end":890.5,"confidence":0.7963867,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.095653735101223},{"word":"yep","start":893.50494,"end":894.00494,"confidence":0.88793945,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12562164664268494},{"word":"yep","start":898.46497,"end":898.96497,"confidence":0.81811523,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2436482161283493},{"word":"right","start":904.865,"end":905.26495,"confidence":0.98999023,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.024623140692710876},{"word":"so","start":905.26495,"end":905.425,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0046727582812309265},{"word":"it's","start":905.425,"end":905.665,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.006872276775538921},{"word":"not","start":905.665,"end":905.82495,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03809839487075806},{"word":"entirely","start":905.82495,"end":906.32495,"confidence":0.9592285,"punctuated_word":"entirely,","sentiment":"neutral","sentiment_score":-0.05003467574715614},{"word":"you","start":906.865,"end":906.94495,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09627190232276917},{"word":"you","start":906.94495,"end":907.02496,"confidence":0.5888672,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11627791076898576},{"word":"know","start":907.02496,"end":907.50494,"confidence":0.9975586,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.12728846073150635},{"word":"us","start":907.50494,"end":907.92,"confidence":0.9873047,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.09746073931455612},{"word":"managing","start":908.24,"end":908.74,"confidence":1.0,"punctuated_word":"managing","sentiment":"neutral","sentiment_score":-0.09187448024749756},{"word":"that","start":908.8,"end":909.12,"confidence":0.9428711,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.08908866345882416},{"word":"we","start":909.12,"end":909.44,"confidence":0.9482422,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.0217842236161232},{"word":"still","start":909.44,"end":909.76,"confidence":0.8989258,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.01418176293373108},{"word":"got","start":909.76,"end":910.26,"confidence":0.9279785,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":-0.028011523187160492},{"word":"like","start":910.48,"end":910.98,"confidence":0.9458008,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0008145049214363098},{"word":"in","start":911.04,"end":911.54,"confidence":0.3413086,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.008081778883934021},{"word":"that","start":912.16,"end":912.48,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0033883675932884216},{"word":"sense","start":912.48,"end":912.98,"confidence":0.9868164,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.0315459668636322},{"word":"so","start":915.36,"end":915.86,"confidence":0.8432617,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1083998754620552},{"word":"mhmm","start":920.72,"end":921.22,"confidence":0.9975586,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09361834824085236},{"word":"i","start":945.27997,"end":945.6,"confidence":0.7866211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006753314286470413},{"word":"see","start":945.6,"end":946.1,"confidence":1.0,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.02694285660982132},{"word":"okay","start":946.24,"end":946.74,"confidence":0.9970703,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03701227158308029},{"word":"okay","start":947.555,"end":948.035,"confidence":0.7729492,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03212407976388931},{"word":"look","start":948.035,"end":948.195,"confidence":0.56347656,"punctuated_word":"Look,","sentiment":"neutral","sentiment_score":0.03123633749783039},{"word":"how","start":948.195,"end":948.355,"confidence":0.48120117,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.03184673562645912},{"word":"do","start":948.355,"end":948.435,"confidence":0.35742188,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02764282003045082},{"word":"i","start":948.435,"end":948.515,"confidence":0.8491211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04118236154317856},{"word":"have","start":948.515,"end":948.675,"confidence":0.6166992,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03527820482850075},{"word":"to","start":948.675,"end":948.755,"confidence":0.5341797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03197652846574783},{"word":"do","start":948.755,"end":948.915,"confidence":0.5151367,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04800466448068619},{"word":"this","start":948.915,"end":948.995,"confidence":0.27441406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08409406244754791},{"word":"in","start":948.995,"end":949.075,"confidence":0.7871094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05849612504243851},{"word":"the","start":949.075,"end":949.235,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06075017526745796},{"word":"price","start":949.235,"end":949.635,"confidence":0.8823242,"punctuated_word":"price?","sentiment":"neutral","sentiment_score":0.05878450348973274},{"word":"the","start":949.635,"end":949.95496,"confidence":0.8076172,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.05544225126504898},{"word":"the","start":949.95496,"end":950.035,"confidence":0.9267578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10403098165988922},{"word":"the","start":950.035,"end":950.115,"confidence":0.6879883,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0980347990989685},{"word":"only","start":950.115,"end":950.27496,"confidence":0.99121094,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.12524782121181488},{"word":"problem","start":950.27496,"end":950.515,"confidence":0.99609375,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":-0.10723405331373216},{"word":"we","start":950.515,"end":950.675,"confidence":0.9667969,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11033211648464204},{"word":"consider","start":950.675,"end":950.875,"confidence":0.67626953,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.1030644029378891},{"word":"we","start":951.075,"end":951.235,"confidence":0.9589844,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09900963306427002},{"word":"consider","start":951.235,"end":951.735,"confidence":0.6298828,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.016188964247703552},{"word":"to","start":953.555,"end":953.795,"confidence":0.6582031,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.008436039090156555},{"word":"buy","start":953.795,"end":954.035,"confidence":0.95410156,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.04952818155288696},{"word":"using","start":954.035,"end":954.355,"confidence":0.9404297,"punctuated_word":"using","sentiment":"neutral","sentiment_score":0.06077104061841965},{"word":"the","start":954.355,"end":954.595,"confidence":0.92578125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07544253021478653},{"word":"super","start":954.595,"end":954.915,"confidence":0.72802734,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1835756152868271},{"word":"is","start":954.915,"end":955.075,"confidence":0.9448242,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.061283133924007416},{"word":"because","start":955.075,"end":955.575,"confidence":0.9941406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.10298784077167512},{"word":"we","start":958.035,"end":958.195,"confidence":0.95703125,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15188446640968323},{"word":"don't","start":958.195,"end":958.435,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.24329444766044617},{"word":"have","start":958.435,"end":958.595,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.3055238723754883},{"word":"$40","start":958.595,"end":959.235,"confidence":0.9880371,"punctuated_word":"$40","sentiment":"neutral","sentiment_score":-0.30806517601013184},{"word":"to","start":959.235,"end":959.315,"confidence":0.9921875,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.36014845967292786},{"word":"pull","start":959.315,"end":959.475,"confidence":0.9873047,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":-0.2822420001029968},{"word":"out","start":959.475,"end":959.635,"confidence":0.95947266,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.3803722858428955},{"word":"of","start":959.635,"end":959.795,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3540530204772949},{"word":"the","start":959.795,"end":959.95496,"confidence":0.96777344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.32622018456459045},{"word":"air","start":959.95496,"end":960.435,"confidence":0.9453125,"punctuated_word":"air","sentiment":"neutral","sentiment_score":-0.2717650234699249},{"word":"in","start":960.435,"end":960.595,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.3017151653766632},{"word":"order","start":960.595,"end":960.915,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":-0.28565749526023865},{"word":"to","start":960.915,"end":961.075,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2981060743331909},{"word":"pay","start":961.075,"end":961.235,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.2561999261379242},{"word":"that","start":961.235,"end":961.475,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.25171738862991333},{"word":"deposit","start":961.475,"end":961.975,"confidence":0.83496094,"punctuated_word":"deposit,","sentiment":"neutral","sentiment_score":-0.15362441539764404},{"word":"which","start":964.50995,"end":964.91,"confidence":0.9838867,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.051432013511657715},{"word":"which","start":964.91,"end":965.23,"confidence":0.98828125,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.05858686566352844},{"word":"were","start":965.23,"end":965.38995,"confidence":0.28173828,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.06786757707595825},{"word":"they","start":965.38995,"end":965.55,"confidence":0.81933594,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.03073050081729889},{"word":"said","start":965.55,"end":965.70996,"confidence":0.9980469,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.013961300253868105},{"word":"was","start":965.70996,"end":965.94995,"confidence":0.7340088,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":-0.08719973266124725},{"word":"like","start":965.94995,"end":966.26996,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.1261492818593979},{"word":"i","start":966.75,"end":966.87,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1437063217163086},{"word":"i","start":966.87,"end":966.99,"confidence":0.81347656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1391582190990448},{"word":"can't","start":966.99,"end":967.23,"confidence":0.99316406,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1439216136932373},{"word":"remember","start":967.23,"end":967.62994,"confidence":0.97924805,"punctuated_word":"remember.","sentiment":"neutral","sentiment_score":-0.1447165608406067},{"word":"right","start":967.62994,"end":968.12994,"confidence":0.9975586,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.06710026413202286},{"word":"so","start":968.26996,"end":968.76996,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13352808356285095},{"word":"what","start":969.06995,"end":969.38995,"confidence":0.98095703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.14277733862400055},{"word":"if","start":969.38995,"end":969.62994,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11810056865215302},{"word":"we","start":969.62994,"end":969.70996,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13244852423667908},{"word":"were","start":969.70996,"end":969.94995,"confidence":0.97802734,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.14315861463546753},{"word":"to","start":969.94995,"end":970.19,"confidence":0.9782715,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.122640922665596},{"word":"like","start":970.19,"end":970.69,"confidence":0.99365234,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.09916391223669052},{"word":"completely","start":970.82996,"end":971.32996,"confidence":0.9980469,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.14589451253414154},{"word":"i","start":972.50995,"end":972.67,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1915163695812225},{"word":"don't","start":972.67,"end":972.91,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.19969263672828672},{"word":"know","start":972.91,"end":973.06995,"confidence":0.98706055,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.1759057343006134},{"word":"do","start":973.06995,"end":973.23,"confidence":0.9980469,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.07899150997400284},{"word":"you","start":973.23,"end":973.31,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.038595616817474365},{"word":"guys","start":973.31,"end":973.62994,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.005166403949260712},{"word":"help","start":973.62994,"end":973.87,"confidence":0.9980469,"punctuated_word":"help","sentiment":"neutral","sentiment_score":-0.0007829070091247559},{"word":"with","start":973.87,"end":974.11,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.003852643072605133},{"word":"refinancing","start":974.11,"end":974.61,"confidence":0.9980469,"punctuated_word":"refinancing?","sentiment":"neutral","sentiment_score":-0.02761007659137249},{"word":"because","start":988.35504,"end":988.85504,"confidence":0.92089844,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.112527534365654},{"word":"yeah","start":992.34,"end":992.58,"confidence":0.7675781,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.10015010833740234},{"word":"well","start":992.58,"end":993.06,"confidence":0.96728516,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.02609363943338394},{"word":"we","start":993.06,"end":993.3,"confidence":0.86621094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10878819972276688},{"word":"the","start":993.7,"end":993.86,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11844681948423386},{"word":"thing","start":993.86,"end":994.1,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.17332905530929563},{"word":"is","start":994.1,"end":994.6,"confidence":0.73535156,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.1299050748348236},{"word":"maybe","start":995.94,"end":996.18,"confidence":0.9526367,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.1637422740459442},{"word":"that","start":996.18,"end":996.34,"confidence":0.7207031,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13229316473007202},{"word":"could","start":996.34,"end":996.5,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.15986359119415283},{"word":"be","start":996.5,"end":996.58,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1633849740028381},{"word":"another","start":996.58,"end":996.9,"confidence":0.9614258,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.08027461916208267},{"word":"option","start":996.9,"end":997.14,"confidence":0.7783203,"punctuated_word":"option,","sentiment":"neutral","sentiment_score":0.11698918044567108},{"word":"like","start":997.14,"end":997.64,"confidence":0.87109375,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10483048111200333},{"word":"refinance","start":997.78,"end":998.28,"confidence":0.9946289,"punctuated_word":"refinance,","sentiment":"neutral","sentiment_score":0.08199101686477661},{"word":"borrow","start":998.58,"end":999.08,"confidence":0.93359375,"punctuated_word":"borrow,","sentiment":"neutral","sentiment_score":0.09144242107868196},{"word":"and","start":999.3,"end":999.46,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16107845306396484},{"word":"then","start":999.46,"end":999.78,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1536356806755066},{"word":"just","start":999.78,"end":1000.02,"confidence":0.984375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14614439010620117},{"word":"have","start":1000.02,"end":1000.26,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15815918147563934},{"word":"a","start":1000.26,"end":1000.34,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14416304230690002},{"word":"new","start":1000.34,"end":1000.84,"confidence":0.99902344,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.09793168306350708},{"word":"plan","start":1001.46,"end":1001.78,"confidence":0.9614258,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.13340099155902865},{"word":"in","start":1001.78,"end":1002.1,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1996893584728241},{"word":"place","start":1002.1,"end":1002.6,"confidence":0.8874512,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.13915306329727173},{"word":"does","start":1003.935,"end":1004.175,"confidence":0.90527344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.11042489111423492},{"word":"that","start":1004.175,"end":1004.335,"confidence":0.88134766,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17544053494930267},{"word":"is","start":1004.655,"end":1004.815,"confidence":0.9838867,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15816913545131683},{"word":"that","start":1004.815,"end":1005.055,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21594743430614471},{"word":"something","start":1005.055,"end":1005.295,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.18213482201099396},{"word":"that","start":1005.295,"end":1005.455,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1929168403148651},{"word":"would","start":1005.455,"end":1005.695,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2257721722126007},{"word":"work","start":1005.695,"end":1006.195,"confidence":0.7546387,"punctuated_word":"work?","sentiment":"neutral","sentiment_score":0.15195825695991516},{"word":"like","start":1006.335,"end":1006.575,"confidence":0.86938477,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.09593667089939116},{"word":"so","start":1006.575,"end":1006.735,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12453849613666534},{"word":"we","start":1006.735,"end":1006.895,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12260647118091585},{"word":"can","start":1006.895,"end":1007.055,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1352299600839615},{"word":"get","start":1007.055,"end":1007.295,"confidence":0.94873047,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":0.0934772491455078},{"word":"like","start":1007.295,"end":1007.53503,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07985793054103851},{"word":"the","start":1007.53503,"end":1007.695,"confidence":0.6816406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07480478286743164},{"word":"deposit","start":1007.695,"end":1008.195,"confidence":0.8703613,"punctuated_word":"deposit.","sentiment":"neutral","sentiment_score":0.060336243361234665},{"word":"is","start":1008.495,"end":1008.735,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.015676118433475494},{"word":"it","start":1008.735,"end":1008.895,"confidence":0.9086914,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03537697345018387},{"word":"enough","start":1008.895,"end":1009.395,"confidence":0.99853516,"punctuated_word":"enough?","sentiment":"neutral","sentiment_score":0.0006814189255237579},{"word":"i","start":1009.695,"end":1009.855,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06915795803070068},{"word":"mean","start":1009.855,"end":1010.09503,"confidence":0.99609375,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.04229018837213516},{"word":"we're","start":1010.09503,"end":1010.255,"confidence":0.9758301,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.05533108115196228},{"word":"still","start":1010.255,"end":1010.415,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.071396604180336},{"word":"gonna","start":1010.415,"end":1010.655,"confidence":0.95166016,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.07707764208316803},{"word":"have","start":1010.655,"end":1010.895,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.09051640331745148},{"word":"to","start":1010.895,"end":1010.97504,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06141681596636772},{"word":"borrow","start":1010.97504,"end":1011.47504,"confidence":0.9951172,"punctuated_word":"borrow","sentiment":"neutral","sentiment_score":-0.06439737975597382},{"word":"the","start":1011.855,"end":1011.935,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07861895859241486},{"word":"value","start":1011.935,"end":1012.255,"confidence":0.99902344,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.052452005445957184},{"word":"of","start":1012.255,"end":1012.415,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05706271529197693},{"word":"the","start":1012.415,"end":1012.575,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0656101405620575},{"word":"house","start":1012.575,"end":1013.075,"confidence":0.8039551,"punctuated_word":"house?","sentiment":"neutral","sentiment_score":-0.056929074227809906},{"word":"i","start":1013.695,"end":1013.775,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08568736910820007},{"word":"don't","start":1013.775,"end":1014.015,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08420795202255249},{"word":"know","start":1014.015,"end":1014.335,"confidence":0.99658203,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.07518526911735535},{"word":"i'm","start":1014.335,"end":1014.575,"confidence":0.9790039,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06270359456539154},{"word":"i'm","start":1014.575,"end":1014.815,"confidence":0.99365234,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04651709645986557},{"word":"really","start":1014.815,"end":1015.315,"confidence":0.9980469,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.043532516807317734},{"word":"a","start":1017.855,"end":1018.015,"confidence":0.6347656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.024747872725129128},{"word":"beginner","start":1018.015,"end":1018.415,"confidence":0.9951172,"punctuated_word":"beginner","sentiment":"neutral","sentiment_score":-0.01477302610874176},{"word":"in","start":1018.415,"end":1018.575,"confidence":0.8256836,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.004444919526576996},{"word":"this","start":1018.575,"end":1018.86,"confidence":0.9699707,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":-0.0041225627064704895},{"word":"no","start":1022.94,"end":1023.44,"confidence":0.96777344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10604345798492432},{"word":"we","start":1023.5,"end":1023.74,"confidence":0.9589844,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.12084267288446426},{"word":"we","start":1023.74,"end":1023.82,"confidence":0.7963867,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12089014053344728},{"word":"don't","start":1023.82,"end":1023.98,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.12788653373718262},{"word":"have","start":1023.98,"end":1024.22,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.16210263967514038},{"word":"any","start":1024.22,"end":1024.38,"confidence":0.93359375,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.17769107222557068},{"word":"program","start":1024.38,"end":1024.62,"confidence":0.4234619,"punctuated_word":"program.","sentiment":"neutral","sentiment_score":-0.1889118254184723},{"word":"very","start":1024.86,"end":1025.26,"confidence":0.45385742,"punctuated_word":"Very","sentiment":"neutral","sentiment_score":-0.19180405139923096},{"word":"new","start":1025.26,"end":1025.58,"confidence":0.9970703,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.09500256180763245},{"word":"to","start":1025.58,"end":1025.74,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10083112865686417},{"word":"us","start":1025.74,"end":1026.0599,"confidence":0.8005371,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":-0.08787962794303894},{"word":"and","start":1026.0599,"end":1026.2999,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02980203926563263},{"word":"we","start":1026.2999,"end":1026.62,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.000038489699363708496},{"word":"obviously","start":1026.62,"end":1027.1,"confidence":0.83740234,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.029379352927207947},{"word":"want","start":1027.1,"end":1027.5,"confidence":0.77685547,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.04459654539823532},{"word":"to","start":1027.5,"end":1027.74,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05593004822731018},{"word":"to","start":1027.74,"end":1027.82,"confidence":0.82373047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09862717986106873},{"word":"have","start":1027.82,"end":1028.14,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08531036227941513},{"word":"our","start":1028.14,"end":1028.2999,"confidence":0.6894531,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.07538347691297531},{"word":"foot","start":1028.2999,"end":1028.54,"confidence":0.9536133,"punctuated_word":"foot","sentiment":"neutral","sentiment_score":0.093762569129467},{"word":"in","start":1028.54,"end":1028.7,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11386579275131226},{"word":"the","start":1028.7,"end":1029.02,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07495743036270142},{"word":"market","start":1029.02,"end":1029.52,"confidence":0.99072266,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.047402091324329376},{"word":"we","start":1029.98,"end":1030.14,"confidence":0.99316406,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.02874737977981567},{"word":"just","start":1030.14,"end":1030.38,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04188711196184158},{"word":"wanna","start":1030.38,"end":1030.78,"confidence":0.93359375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.08827698230743408},{"word":"know","start":1030.78,"end":1031.1,"confidence":0.9289551,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.04543348401784897},{"word":"like","start":1031.1,"end":1031.42,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.028030797839164737},{"word":"because","start":1031.6749,"end":1031.835,"confidence":0.7739258,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.023411504924297333},{"word":"obviously","start":1031.835,"end":1032.155,"confidence":0.6191406,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.0017437785863876345},{"word":"you","start":1032.155,"end":1032.635,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01047942042350769},{"word":"guys","start":1032.635,"end":1032.875,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.023816466331481937},{"word":"know","start":1032.875,"end":1033.195,"confidence":0.9941406,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.004991494119167328},{"word":"about","start":1033.195,"end":1033.515,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.015912599861621857},{"word":"our","start":1033.515,"end":1033.835,"confidence":0.9921875,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.03507303446531296},{"word":"financial","start":1033.835,"end":1034.315,"confidence":0.9980469,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.006866388022899628},{"word":"i","start":1034.475,"end":1034.635,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06842325627803802},{"word":"mean","start":1034.635,"end":1034.7949,"confidence":0.97094727,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.06003529205918312},{"word":"our","start":1034.7949,"end":1035.115,"confidence":0.9741211,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.05337443947792053},{"word":"super","start":1035.115,"end":1035.595,"confidence":0.75024414,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.014377661049365996},{"word":"right","start":1035.595,"end":1036.095,"confidence":0.9941406,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.013518597930669785},{"word":"that","start":1036.395,"end":1036.475,"confidence":0.7583008,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.04615084081888199},{"word":"that","start":1036.475,"end":1036.635,"confidence":0.9243164,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02258305251598358},{"word":"numbers","start":1036.635,"end":1037.135,"confidence":0.6916504,"punctuated_word":"numbers.","sentiment":"neutral","sentiment_score":-0.0331893190741539},{"word":"and","start":1037.6749,"end":1038.1749,"confidence":0.8029785,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.002281520515680313},{"word":"like","start":1038.235,"end":1038.475,"confidence":0.99072266,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02351130172610283},{"word":"we","start":1038.475,"end":1038.635,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0154583677649498},{"word":"just","start":1038.635,"end":1038.875,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04246390610933304},{"word":"want","start":1038.875,"end":1039.195,"confidence":0.9802246,"punctuated_word":"want,","sentiment":"neutral","sentiment_score":0.04024919867515564},{"word":"like","start":1039.195,"end":1039.515,"confidence":0.99658203,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04370720311999321},{"word":"step","start":1039.515,"end":1039.755,"confidence":0.99902344,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.2324371635913849},{"word":"by","start":1039.755,"end":1039.9149,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.16788312792778015},{"word":"step","start":1039.9149,"end":1040.235,"confidence":1.0,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.16836315393447876},{"word":"running","start":1040.235,"end":1040.635,"confidence":0.94970703,"punctuated_word":"running","sentiment":"neutral","sentiment_score":0.17729297280311584},{"word":"through","start":1040.635,"end":1041.135,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.18704237043857577},{"word":"what","start":1041.195,"end":1041.355,"confidence":0.94921875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.15331099927425385},{"word":"are","start":1041.355,"end":1041.595,"confidence":0.86279297,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09833446145057678},{"word":"our","start":1041.595,"end":1041.835,"confidence":0.9970703,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.06323105841875076},{"word":"options","start":1041.835,"end":1042.335,"confidence":0.99902344,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.06693587452173233},{"word":"and","start":1042.5549,"end":1042.7949,"confidence":0.87158203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0960664302110672},{"word":"what","start":1042.7949,"end":1043.0349,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08378732949495316},{"word":"would","start":1043.0349,"end":1043.195,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0966593772172928},{"word":"be","start":1043.195,"end":1043.6749,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06273376941680908},{"word":"the","start":1043.6749,"end":1043.9149,"confidence":0.9667969,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.056671373546123505},{"word":"what","start":1043.995,"end":1044.235,"confidence":0.9819336,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.044757209718227386},{"word":"yeah","start":1044.395,"end":1044.635,"confidence":0.8640137,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.05313143879175186},{"word":"for","start":1044.635,"end":1044.875,"confidence":0.9863281,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.057736337184906006},{"word":"us","start":1044.875,"end":1045.0349,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.08993183821439743},{"word":"to","start":1045.0349,"end":1045.195,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08772683143615723},{"word":"decide","start":1045.195,"end":1045.695,"confidence":1.0,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.08059217780828476},{"word":"on","start":1045.755,"end":1045.9149,"confidence":0.9819336,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1207127645611763},{"word":"which","start":1045.9149,"end":1046.155,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0934419110417366},{"word":"way","start":1046.155,"end":1046.395,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.055250898003578186},{"word":"would","start":1046.395,"end":1046.635,"confidence":0.9892578,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.14670151472091675},{"word":"be","start":1046.635,"end":1046.7949,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16242755949497223},{"word":"good","start":1046.7949,"end":1047.2949,"confidence":0.986084,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.13047152757644653},{"word":"definitely","start":1047.6,"end":1048.1,"confidence":0.9604492,"punctuated_word":"Definitely,","sentiment":"neutral","sentiment_score":0.15018634498119354},{"word":"we","start":1048.64,"end":1048.72,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2029689699411392},{"word":"we","start":1048.72,"end":1048.88,"confidence":0.95166016,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.20092539489269257},{"word":"want","start":1048.88,"end":1049.0,"confidence":0.97802734,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.18594089150428772},{"word":"we're","start":1049.12,"end":1049.36,"confidence":0.99609375,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2573552131652832},{"word":"renting","start":1049.36,"end":1049.76,"confidence":0.9970703,"punctuated_word":"renting","sentiment":"neutral","sentiment_score":0.23001232743263245},{"word":"at","start":1049.76,"end":1050.0,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1617451310157776},{"word":"the","start":1050.0,"end":1050.08,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23811665177345276},{"word":"moment","start":1050.08,"end":1050.58,"confidence":0.98999023,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.25507134199142456},{"word":"we're","start":1050.64,"end":1050.88,"confidence":0.99853516,"punctuated_word":"We're","sentiment":"positive","sentiment_score":0.38249167799949646},{"word":"happy","start":1050.88,"end":1051.2,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.44547176361083984},{"word":"where","start":1051.2,"end":1051.44,"confidence":0.9941406,"punctuated_word":"where","sentiment":"positive","sentiment_score":0.5254275798797607},{"word":"we","start":1051.44,"end":1051.6799,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4184406399726868},{"word":"are","start":1051.6799,"end":1052.0,"confidence":0.94555664,"punctuated_word":"are.","sentiment":"positive","sentiment_score":0.42776480317115784},{"word":"you","start":1052.0,"end":1052.16,"confidence":0.9370117,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.0756424218416214},{"word":"know","start":1052.16,"end":1052.32,"confidence":0.75390625,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.09155911207199097},{"word":"we","start":1052.32,"end":1052.48,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04898833483457565},{"word":"we","start":1052.48,"end":1052.64,"confidence":0.98291016,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.049502283334732056},{"word":"don't","start":1052.64,"end":1052.88,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.03478449583053589},{"word":"wanna","start":1052.88,"end":1053.2,"confidence":0.8803711,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.06328946352005005},{"word":"move","start":1053.2,"end":1053.52,"confidence":0.9970703,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.18895849585533145},{"word":"somewhere","start":1053.52,"end":1054.02,"confidence":0.9951172,"punctuated_word":"somewhere","sentiment":"neutral","sentiment_score":-0.31198886036872864},{"word":"far","start":1054.24,"end":1054.5599,"confidence":0.9902344,"punctuated_word":"far","sentiment":"neutral","sentiment_score":-0.29594886302948},{"word":"away","start":1054.5599,"end":1054.7999,"confidence":0.99316406,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.07296932488679886},{"word":"from","start":1054.7999,"end":1055.12,"confidence":0.99609375,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.09267352521419524},{"word":"where","start":1055.12,"end":1055.28,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.03940555453300476},{"word":"we","start":1055.28,"end":1055.44,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03548654913902283},{"word":"are","start":1055.44,"end":1055.76,"confidence":0.9926758,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":0.05386900156736374},{"word":"right","start":1055.76,"end":1056.16,"confidence":0.9855957,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.07474145293235779},{"word":"and","start":1056.16,"end":1056.66,"confidence":0.98828125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06719698756933212},{"word":"so","start":1057.52,"end":1058.02,"confidence":0.82177734,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08458416163921356},{"word":"yeah","start":1058.4,"end":1058.72,"confidence":0.9838867,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.12193400412797928},{"word":"so","start":1058.72,"end":1059.22,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13467785716056824},{"word":"yeah","start":1059.52,"end":1059.84,"confidence":0.99609375,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1858823001384735},{"word":"we","start":1059.84,"end":1060.0,"confidence":0.9873047,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.18207818269729617},{"word":"just","start":1060.0,"end":1060.24,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2055465281009674},{"word":"want","start":1060.24,"end":1060.48,"confidence":0.7363281,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.20831657946109772},{"word":"to","start":1060.48,"end":1060.64,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2059466540813446},{"word":"know","start":1060.64,"end":1060.7999,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2381855547428131},{"word":"the","start":1060.7999,"end":1060.88,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21451681852340695},{"word":"option","start":1060.88,"end":1060.901,"confidence":0.82055664,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":0.22936077415943143},{"word":"you","start":1060.901,"end":1060.9221,"confidence":0.9863281,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.14125534892082214},{"word":"know","start":1060.9221,"end":1060.9431,"confidence":0.91186523,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.17897936701774597},{"word":"we","start":1060.9431,"end":1060.9642,"confidence":0.96435547,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2193867564201355},{"word":"we","start":1060.9642,"end":1060.9852,"confidence":0.89746094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24388280510902405},{"word":"don't","start":1060.9852,"end":1061.0063,"confidence":0.9951172,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.18144969642162323},{"word":"mind","start":1061.0063,"end":1061.0273,"confidence":0.9770508,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.2380797863006592},{"word":"getting","start":1061.0273,"end":1061.0485,"confidence":0.9819336,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.13470980525016785},{"word":"an","start":1061.0485,"end":1061.0695,"confidence":0.6738281,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.17360571026802063},{"word":"investment","start":1061.0695,"end":1061.0906,"confidence":0.8598633,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.11973008513450624},{"word":"if","start":1061.0906,"end":1061.1116,"confidence":0.6142578,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.22724241018295288},{"word":"that's","start":1061.1116,"end":1061.1327,"confidence":0.9042969,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.3114471435546875},{"word":"gonna","start":1061.1327,"end":1061.1537,"confidence":0.8598633,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.33587518334388733},{"word":"help","start":1061.1537,"end":1061.1748,"confidence":0.7109375,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.35475510358810425},{"word":"us","start":1061.1748,"end":1061.1958,"confidence":0.83447266,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.27461332082748413},{"word":"in","start":1061.1958,"end":1061.2169,"confidence":0.76171875,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3558618426322937},{"word":"the","start":1061.2169,"end":1061.2379,"confidence":0.67089844,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3481519818305969},{"word":"future","start":1061.2379,"end":1061.259,"confidence":0.7607422,"punctuated_word":"future","sentiment":"positive","sentiment_score":0.34169483184814453},{"word":"to","start":1061.259,"end":1061.28,"confidence":0.86328125,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.1352251023054123},{"word":"you","start":1061.28,"end":1061.44,"confidence":0.9194336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10643424093723296},{"word":"know","start":1061.44,"end":1061.94,"confidence":0.96875,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.12571440637111664},{"word":"borrow","start":1066.615,"end":1067.095,"confidence":0.6166992,"punctuated_word":"borrow","sentiment":"neutral","sentiment_score":0.12806284427642822},{"word":"and","start":1067.095,"end":1067.4149,"confidence":0.87841797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.085592120885849},{"word":"buy","start":1067.4149,"end":1067.575,"confidence":0.6948242,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.1284005045890808},{"word":"or","start":1067.575,"end":1067.735,"confidence":0.6401367,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.079179547727108},{"word":"purchase","start":1067.735,"end":1068.235,"confidence":0.8647461,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.11050564795732498},{"word":"our","start":1068.2949,"end":1068.455,"confidence":0.9013672,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.18939927220344543},{"word":"own","start":1068.455,"end":1068.695,"confidence":0.94628906,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.2093738913536072},{"word":"place","start":1068.695,"end":1069.195,"confidence":0.62939453,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.060196034610271454},{"word":"so","start":1069.495,"end":1069.895,"confidence":0.84472656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0034355800598859787},{"word":"it","start":1069.895,"end":1070.135,"confidence":0.8828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.008587993681430817},{"word":"doesn't","start":1070.135,"end":1070.2949,"confidence":0.9416504,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.01930209808051586},{"word":"have","start":1070.2949,"end":1070.615,"confidence":0.9453125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.020213406533002853},{"word":"to","start":1070.615,"end":1070.695,"confidence":0.9589844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03014647215604782},{"word":"be","start":1070.695,"end":1070.855,"confidence":0.93359375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03421008586883545},{"word":"a","start":1070.855,"end":1071.255,"confidence":0.5361328,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.014635162428021433},{"word":"a","start":1071.255,"end":1071.4149,"confidence":0.49560547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.006097488105297089},{"word":"yeah","start":1071.575,"end":1071.815,"confidence":0.8791504,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.00281597301363945},{"word":"move","start":1071.815,"end":1072.135,"confidence":0.86572266,"punctuated_word":"Move","sentiment":"neutral","sentiment_score":0.021521929651498795},{"word":"in","start":1072.135,"end":1072.375,"confidence":0.98095703,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.017290495336055756},{"word":"we","start":1072.375,"end":1072.5349,"confidence":0.94384766,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.034212421625852585},{"word":"just","start":1072.5349,"end":1072.695,"confidence":0.9838867,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.048125699162483215},{"word":"want","start":1072.695,"end":1072.9349,"confidence":0.96875,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.07861625403165817},{"word":"to","start":1072.9349,"end":1073.095,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08579840511083603},{"word":"we","start":1073.1749,"end":1073.495,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08611834049224854},{"word":"just","start":1073.495,"end":1073.735,"confidence":0.88720703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09583382308483124},{"word":"want","start":1073.735,"end":1074.235,"confidence":0.9667969,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.13324061036109924},{"word":"something","start":1074.2949,"end":1074.7949,"confidence":0.9941406,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.16409310698509216},{"word":"to","start":1075.815,"end":1075.975,"confidence":0.4387207,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1258939504623413},{"word":"own","start":1075.975,"end":1076.215,"confidence":0.6660156,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.14764951169490814},{"word":"something","start":1076.215,"end":1076.715,"confidence":0.9765625,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":0.08150210976600647},{"word":"yeah","start":1078.88,"end":1079.38,"confidence":0.84350586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06413349509239197},{"word":"so","start":1079.84,"end":1080.34,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.022020380944013596},{"word":"yeah","start":1085.6,"end":1086.08,"confidence":0.9836426,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.00011355988681316376},{"word":"exactly","start":1086.08,"end":1086.58,"confidence":0.9995117,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":-0.01489066332578659},{"word":"so","start":1086.88,"end":1087.36,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05723307281732559},{"word":"it's","start":1087.36,"end":1087.6,"confidence":0.99365234,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0664377510547638},{"word":"just","start":1087.6,"end":1087.84,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05391830578446388},{"word":"that","start":1087.84,"end":1088.08,"confidence":0.9838867,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0725058913230896},{"word":"we","start":1088.08,"end":1088.32,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07004693150520325},{"word":"are","start":1088.32,"end":1088.48,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.06685337424278259},{"word":"obviously","start":1088.48,"end":1088.98,"confidence":0.9277344,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.09620992839336397},{"word":"super","start":1089.04,"end":1089.44,"confidence":0.99609375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.08654360473155975},{"word":"rich","start":1089.44,"end":1089.68,"confidence":0.8737793,"punctuated_word":"rich,","sentiment":"neutral","sentiment_score":-0.07778263837099075},{"word":"but","start":1089.68,"end":1090.0,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07199952751398087},{"word":"not","start":1090.0,"end":1090.08,"confidence":0.98828125,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.11773315072059631},{"word":"well","start":1090.24,"end":1090.4,"confidence":0.93896484,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.08164364099502563},{"word":"i","start":1090.4,"end":1090.48,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0859479308128357},{"word":"wouldn't","start":1090.48,"end":1090.8,"confidence":0.99609375,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.0876145213842392},{"word":"say","start":1090.8,"end":1091.04,"confidence":0.99609375,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.08060825616121292},{"word":"rich","start":1091.04,"end":1091.28,"confidence":0.86987305,"punctuated_word":"rich,","sentiment":"neutral","sentiment_score":-0.06932301074266434},{"word":"but","start":1091.28,"end":1091.52,"confidence":0.86865234,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.06676667928695679},{"word":"like","start":1091.52,"end":1091.925,"confidence":0.96606445,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.07098281383514404},{"word":"but","start":1092.005,"end":1092.165,"confidence":0.9812012,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.06578609347343445},{"word":"you","start":1092.165,"end":1092.405,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10065510869026184},{"word":"know","start":1092.405,"end":1092.5651,"confidence":0.99609375,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.08274754881858826},{"word":"like","start":1092.5651,"end":1092.885,"confidence":0.986084,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.07366153597831726},{"word":"with","start":1092.885,"end":1093.125,"confidence":0.9199219,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.11448531597852708},{"word":"all","start":1093.125,"end":1093.365,"confidence":0.9667969,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.06741324067115784},{"word":"our","start":1093.365,"end":1093.525,"confidence":0.99316406,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.07844744622707367},{"word":"income","start":1093.525,"end":1093.765,"confidence":0.83203125,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":-0.05775916203856468},{"word":"it's","start":1093.765,"end":1094.005,"confidence":0.9941406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.08066408336162567},{"word":"all","start":1094.005,"end":1094.245,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.08230181783437729},{"word":"expenses","start":1094.245,"end":1094.745,"confidence":0.9921875,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":-0.07127030193805695},{"word":"with","start":1094.9651,"end":1095.2051,"confidence":0.7426758,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.11942535638809204},{"word":"rent","start":1095.2051,"end":1095.525,"confidence":0.8491211,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":-0.08481169492006302},{"word":"and","start":1095.525,"end":1095.685,"confidence":0.9350586,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1030166745185852},{"word":"kids","start":1095.685,"end":1096.005,"confidence":0.99902344,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.10589412599802016},{"word":"and","start":1096.005,"end":1096.245,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0753696858882904},{"word":"all","start":1096.245,"end":1096.405,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.0847349464893341},{"word":"that","start":1096.405,"end":1096.645,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08249343186616898},{"word":"stuff","start":1096.645,"end":1097.045,"confidence":0.95214844,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":-0.10257169604301453},{"word":"so","start":1097.045,"end":1097.365,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10413973033428192},{"word":"it's","start":1097.365,"end":1097.6051,"confidence":0.96533203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.16831915080547333},{"word":"just","start":1097.6051,"end":1097.8451,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.18415488302707672},{"word":"very","start":1097.8451,"end":1098.0851,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.2164760380983353},{"word":"hard","start":1098.0851,"end":1098.3251,"confidence":1.0,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.18181955814361572},{"word":"for","start":1098.3251,"end":1098.4851,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.20149973034858704},{"word":"us","start":1098.4851,"end":1098.805,"confidence":0.98291016,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":-0.16762933135032654},{"word":"so","start":1098.805,"end":1099.2051,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.032125625759363174},{"word":"what","start":1099.2051,"end":1099.4451,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05243917554616928},{"word":"can","start":1099.4451,"end":1099.6051,"confidence":0.9892578,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.046052902936935425},{"word":"we","start":1099.6051,"end":1099.8451,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.010911080986261368},{"word":"do","start":1099.8451,"end":1100.3451,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.02125138603150845},{"word":"to","start":1100.5651,"end":1101.0651,"confidence":0.90722656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0272095687687397},{"word":"no","start":1103.365,"end":1103.865,"confidence":0.921875,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.02373543381690979},{"word":"no","start":1104.0851,"end":1104.5851,"confidence":0.8937988,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0543048083782196},{"word":"no","start":1105.5599,"end":1105.7999,"confidence":0.99316406,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08073155581951141},{"word":"so","start":1105.7999,"end":1105.96,"confidence":0.9614258,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06146707385778427},{"word":"and","start":1106.12,"end":1106.2799,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06487582623958588},{"word":"what's","start":1106.2799,"end":1106.6,"confidence":0.99560547,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.061088573187589645},{"word":"doable","start":1106.6,"end":1107.0,"confidence":0.93570966,"punctuated_word":"doable,","sentiment":"neutral","sentiment_score":-0.03795919939875603},{"word":"what's","start":1107.0,"end":1107.32,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.0402386449277401},{"word":"not","start":1107.32,"end":1107.5599,"confidence":0.859375,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.04734249785542488},{"word":"you","start":1107.5599,"end":1107.72,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.044203467667102814},{"word":"know","start":1107.72,"end":1107.88,"confidence":0.7980957,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.037154924124479294},{"word":"we","start":1107.88,"end":1108.0399,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.027602553367614743},{"word":"just","start":1108.0399,"end":1108.2799,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04510735720396042},{"word":"need","start":1108.2799,"end":1108.5199,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.047668084502220154},{"word":"that","start":1108.5199,"end":1108.7599,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04630839079618454},{"word":"advice","start":1108.7599,"end":1109.2599,"confidence":0.97998047,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.03434397280216217},{"word":"around","start":1109.48,"end":1109.98,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.002395082265138626},{"word":"what","start":1110.2,"end":1110.44,"confidence":0.9921875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.026034630835056305},{"word":"we","start":1110.44,"end":1110.6,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.017732128500938416},{"word":"have","start":1110.6,"end":1110.7599,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.038035884499549866},{"word":"right","start":1110.7599,"end":1111.0,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.020212430506944656},{"word":"now","start":1111.0,"end":1111.3999,"confidence":0.9267578,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.029806938022375107},{"word":"what","start":1111.3999,"end":1111.6399,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.024095207452774048},{"word":"can","start":1111.6399,"end":1111.88,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.019745398312807083},{"word":"be","start":1111.88,"end":1112.2,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.02160710096359253},{"word":"done","start":1112.2,"end":1112.7,"confidence":0.8156738,"punctuated_word":"done,","sentiment":"neutral","sentiment_score":-0.019694646820425987},{"word":"if","start":1112.9199,"end":1113.1599,"confidence":0.83984375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.018609831109642982},{"word":"we","start":1113.1599,"end":1113.32,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.01162106916308403},{"word":"need","start":1113.32,"end":1113.5599,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.018687304109334946},{"word":"to","start":1113.5599,"end":1113.72,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03117456845939159},{"word":"say","start":1113.72,"end":1114.12,"confidence":0.70336914,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.021775567904114723},{"word":"what","start":1114.12,"end":1114.5199,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.023466257378458977},{"word":"what","start":1114.5199,"end":1114.7599,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.030043594539165497},{"word":"is","start":1114.7599,"end":1115.0,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04768741875886917},{"word":"our","start":1115.0,"end":1115.1599,"confidence":0.9980469,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.024036454036831856},{"word":"plan","start":1115.1599,"end":1115.6599,"confidence":0.9238281,"punctuated_word":"plan,","sentiment":"neutral","sentiment_score":-0.0331418402493},{"word":"that","start":1115.7999,"end":1116.0399,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02005263604223728},{"word":"kind","start":1116.0399,"end":1116.2,"confidence":0.99902344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.023601604625582695},{"word":"of","start":1116.2,"end":1116.2799,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.024458741769194603},{"word":"thing","start":1116.2799,"end":1116.5199,"confidence":0.8125,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.021039362996816635},{"word":"because","start":1116.5199,"end":1116.84,"confidence":0.9667969,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.04697504639625549},{"word":"i","start":1116.84,"end":1116.9199,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.051494497805833817},{"word":"think","start":1116.9199,"end":1117.1599,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.05281601846218109},{"word":"we","start":1117.1599,"end":1117.515,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.030194807797670364},{"word":"both","start":1117.995,"end":1118.3151,"confidence":0.99609375,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.02498486638069153},{"word":"of","start":1118.3151,"end":1118.475,"confidence":0.8574219,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04678678140044212},{"word":"us","start":1118.475,"end":1118.975,"confidence":0.9980469,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.03439808264374733},{"word":"spoke","start":1119.1951,"end":1119.515,"confidence":0.8305664,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":-0.029530076310038567},{"word":"differently","start":1119.515,"end":1120.015,"confidence":0.9980469,"punctuated_word":"differently","sentiment":"neutral","sentiment_score":-0.04199964553117752},{"word":"to","start":1120.235,"end":1120.635,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.031172815710306168},{"word":"different","start":1120.635,"end":1121.115,"confidence":0.9980469,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.04864697530865669},{"word":"advisers","start":1121.115,"end":1121.615,"confidence":0.8041992,"punctuated_word":"advisers","sentiment":"neutral","sentiment_score":-0.0444149486720562},{"word":"before","start":1121.915,"end":1122.415,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.023673687130212784},{"word":"about","start":1122.635,"end":1123.035,"confidence":0.9873047,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.03724262490868568},{"word":"and","start":1123.1951,"end":1123.435,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.047116976231336594},{"word":"then","start":1123.435,"end":1123.595,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.023256586864590645},{"word":"they","start":1123.595,"end":1123.755,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.037092581391334534},{"word":"did","start":1123.755,"end":1124.0751,"confidence":0.9970703,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.014798099175095558},{"word":"briefly","start":1124.0751,"end":1124.475,"confidence":0.99902344,"punctuated_word":"briefly","sentiment":"neutral","sentiment_score":-0.014953108504414558},{"word":"talk","start":1124.475,"end":1124.715,"confidence":0.99121094,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":-0.010524224489927292},{"word":"about","start":1124.715,"end":1125.035,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0142555870115757},{"word":"self","start":1125.035,"end":1125.435,"confidence":0.98535156,"punctuated_word":"self","sentiment":"neutral","sentiment_score":-0.017189696431159973},{"word":"manage","start":1125.435,"end":1125.935,"confidence":0.5917969,"punctuated_word":"manage","sentiment":"neutral","sentiment_score":-0.033828046172857285},{"word":"and","start":1125.995,"end":1126.155,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.027553845196962357},{"word":"all","start":1126.155,"end":1126.3151,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.022122912108898163},{"word":"of","start":1126.3151,"end":1126.395,"confidence":0.70751953,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03579820692539215},{"word":"that","start":1126.395,"end":1126.635,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.034789055585861206},{"word":"stuff","start":1126.635,"end":1127.035,"confidence":0.92822266,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":-0.042212553322315216},{"word":"but","start":1127.035,"end":1127.515,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03361289203166962},{"word":"at","start":1127.515,"end":1127.675,"confidence":0.9448242,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06806658208370209},{"word":"that","start":1127.675,"end":1127.835,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.050624631345272064},{"word":"point","start":1127.835,"end":1128.0751,"confidence":0.99902344,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.05665057897567749},{"word":"in","start":1128.0751,"end":1128.155,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05322698503732681},{"word":"time","start":1128.155,"end":1128.395,"confidence":0.9916992,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.054267603904008865},{"word":"it","start":1128.395,"end":1128.555,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06631943583488464},{"word":"was","start":1128.555,"end":1128.715,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.04863544553518295},{"word":"just","start":1128.715,"end":1128.955,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.053018346428871155},{"word":"because","start":1129.115,"end":1129.355,"confidence":0.9941406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.05444442853331566},{"word":"i","start":1129.355,"end":1129.515,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.062405478209257126},{"word":"was","start":1129.515,"end":1129.675,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.09831173717975616},{"word":"pregnant","start":1129.675,"end":1130.0751,"confidence":0.99902344,"punctuated_word":"pregnant","sentiment":"neutral","sentiment_score":-0.07320406287908554},{"word":"and","start":1130.0751,"end":1130.155,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07377481460571289},{"word":"all","start":1130.155,"end":1130.395,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.07865948975086212},{"word":"that","start":1130.395,"end":1130.555,"confidence":0.71777344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08568029850721359},{"word":"and","start":1130.555,"end":1130.715,"confidence":0.70336914,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.06374610215425491},{"word":"you","start":1130.715,"end":1130.795,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08538266271352768},{"word":"know","start":1130.795,"end":1130.955,"confidence":0.9926758,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.07452139258384705},{"word":"like","start":1130.955,"end":1131.115,"confidence":0.9699707,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.07827261835336685},{"word":"it","start":1131.115,"end":1131.1951,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06781201809644699},{"word":"was","start":1131.1951,"end":1131.435,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.06745545566082001},{"word":"just","start":1131.435,"end":1131.755,"confidence":0.9863281,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07063794136047363},{"word":"a","start":1131.755,"end":1131.915,"confidence":0.89746094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08232273161411285},{"word":"a","start":1131.915,"end":1131.995,"confidence":0.80810547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09020951390266418},{"word":"lot","start":1131.995,"end":1132.395,"confidence":0.93603516,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.07851636409759521},{"word":"to","start":1132.395,"end":1132.475,"confidence":0.7446289,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07651706784963608},{"word":"to","start":1132.475,"end":1132.77,"confidence":0.76464844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.054203834384679794},{"word":"take","start":1132.77,"end":1133.09,"confidence":0.95947266,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.053514670580625534},{"word":"in","start":1133.09,"end":1133.59,"confidence":0.91186523,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.04983740299940109},{"word":"so","start":1133.89,"end":1134.05,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.019819211214780807},{"word":"well","start":1134.13,"end":1134.53,"confidence":0.9946289,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.0551508329808712},{"word":"we're","start":1134.53,"end":1134.77,"confidence":0.74243164,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.08578421175479889},{"word":"settled","start":1134.77,"end":1135.17,"confidence":0.88183594,"punctuated_word":"settled","sentiment":"neutral","sentiment_score":0.09215125441551208},{"word":"now","start":1135.17,"end":1135.49,"confidence":0.90966797,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.09214986115694046},{"word":"we've","start":1135.49,"end":1135.65,"confidence":0.74121094,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.10366012156009674},{"word":"got","start":1135.65,"end":1135.81,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11208722740411758},{"word":"two","start":1135.81,"end":1135.97,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.08245281130075455},{"word":"kids","start":1135.97,"end":1136.21,"confidence":0.826416,"punctuated_word":"kids,","sentiment":"neutral","sentiment_score":0.07077882438898087},{"word":"so","start":1136.21,"end":1136.4501,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03274921327829361},{"word":"we","start":1136.4501,"end":1136.61,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04652823507785797},{"word":"just","start":1136.61,"end":1136.85,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03332804888486862},{"word":"want","start":1136.85,"end":1137.09,"confidence":0.9970703,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.03618602454662323},{"word":"to","start":1137.09,"end":1137.59,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03543446958065033},{"word":"do","start":1138.37,"end":1138.61,"confidence":0.9819336,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0359400138258934},{"word":"something","start":1138.61,"end":1139.09,"confidence":0.9760742,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.035765789449214935},{"word":"right","start":1139.09,"end":1139.3301,"confidence":0.99902344,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.04061653092503548},{"word":"now","start":1139.3301,"end":1139.65,"confidence":0.9736328,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.030361998826265335},{"word":"you","start":1139.65,"end":1139.81,"confidence":0.5395508,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.016871251165866852},{"word":"know","start":1139.81,"end":1139.89,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.014617390930652618},{"word":"what","start":1139.89,"end":1140.05,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.018188245594501495},{"word":"i","start":1140.05,"end":1140.21,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.019407931715250015},{"word":"mean","start":1140.21,"end":1140.53,"confidence":0.99560547,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":0.02583066932857037},{"word":"so","start":1140.53,"end":1141.01,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06189410388469696},{"word":"if","start":1141.09,"end":1141.3301,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12790441513061523},{"word":"if","start":1141.3301,"end":1141.5701,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1370280385017395},{"word":"possible","start":1141.5701,"end":1142.0701,"confidence":0.9941406,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.12482693791389464},{"word":"mhmm","start":1157.595,"end":1158.095,"confidence":0.9576416,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06442540884017944},{"word":"mhmm","start":1159.83,"end":1160.33,"confidence":0.92822266,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03617306426167488},{"word":"totally","start":1163.75,"end":1164.25,"confidence":0.89624023,"punctuated_word":"Totally.","sentiment":"neutral","sentiment_score":0.3034389019012451},{"word":"yep","start":1164.47,"end":1164.97,"confidence":0.9050293,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2190629541873932},{"word":"yep","start":1165.11,"end":1165.61,"confidence":0.951416,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.25470471382141113},{"word":"mhmm","start":1171.2699,"end":1171.75,"confidence":0.96484375,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.25502821803092957},{"word":"mhmm","start":1171.75,"end":1172.25,"confidence":0.9842529,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.21220740675926208},{"word":"mhmm","start":1175.8151,"end":1176.3151,"confidence":0.9892578,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.13022983074188232},{"word":"yep","start":1176.775,"end":1177.275,"confidence":0.967041,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02523435465991497},{"word":"yep","start":1179.0951,"end":1179.5951,"confidence":0.9807129,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03879429027438164},{"word":"yeah","start":1184.4551,"end":1184.6951,"confidence":0.93603516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05353707820177078},{"word":"we're","start":1184.6951,"end":1184.935,"confidence":0.96240234,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.07059870660305023},{"word":"a","start":1184.935,"end":1185.0951,"confidence":0.2866211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.107416570186615},{"word":"first","start":1185.0951,"end":1185.3351,"confidence":0.6875,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.08201596885919571},{"word":"time","start":1185.3351,"end":1185.655,"confidence":0.9741211,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.14157716929912567},{"word":"buyers","start":1185.655,"end":1186.055,"confidence":0.85302734,"punctuated_word":"buyers.","sentiment":"neutral","sentiment_score":0.1141037493944168},{"word":"yeah","start":1186.055,"end":1186.535,"confidence":0.96484375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15317022800445557},{"word":"we","start":1186.535,"end":1186.775,"confidence":0.99609375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.18626654148101807},{"word":"will","start":1186.775,"end":1186.935,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.17992933094501495},{"word":"be","start":1186.935,"end":1187.175,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14587579667568207},{"word":"first","start":1187.175,"end":1187.415,"confidence":0.9980469,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.13044077157974243},{"word":"time","start":1187.415,"end":1187.655,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.18798032402992249},{"word":"buyers","start":1187.655,"end":1188.155,"confidence":0.9995117,"punctuated_word":"buyers.","sentiment":"neutral","sentiment_score":0.1392306685447693},{"word":"mhmm","start":1190.91,"end":1191.41,"confidence":0.8786621,"punctuated_word":"Mhmm.","sentiment":"positive","sentiment_score":0.4299687445163727},{"word":"mhmm","start":1197.6226,"end":1198.1226,"confidence":0.9538574,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.14222800731658936},{"word":"yep","start":1209.615,"end":1210.115,"confidence":0.80078125,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3394891917705536},{"word":"yep","start":1211.455,"end":1211.955,"confidence":0.9206543,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4871741533279419},{"word":"yep","start":1216.895,"end":1217.135,"confidence":0.9296875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1426469385623932},{"word":"yep","start":1217.135,"end":1217.635,"confidence":0.8630371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1012425348162651},{"word":"exactly","start":1218.89,"end":1219.39,"confidence":0.93237305,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.13743318617343905},{"word":"yep","start":1233.285,"end":1233.785,"confidence":0.9641113,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.047910772264003754},{"word":"yep","start":1239.2051,"end":1239.7051,"confidence":0.81103516,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.032901689410209656},{"word":"it's","start":1246.405,"end":1246.645,"confidence":0.6472168,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0556611530482769},{"word":"it's","start":1246.645,"end":1247.125,"confidence":0.9255371,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.058479055762290955},{"word":"brand","start":1247.125,"end":1247.4451,"confidence":0.85058594,"punctuated_word":"brand","sentiment":"neutral","sentiment_score":0.0637216866016388},{"word":"new","start":1247.4451,"end":1247.79,"confidence":0.9941406,"punctuated_word":"new.","sentiment":"neutral","sentiment_score":0.07952257245779037},{"word":"it's","start":1247.87,"end":1248.03,"confidence":0.9729004,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07055030763149261},{"word":"it's","start":1248.03,"end":1248.1901,"confidence":0.7866211,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03936563432216644},{"word":"it's","start":1248.27,"end":1248.43,"confidence":0.64782715,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.048641275614500046},{"word":"a","start":1248.43,"end":1248.5901,"confidence":0.5073242,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06340218335390091},{"word":"maritime","start":1248.5901,"end":1249.0901,"confidence":0.45507812,"punctuated_word":"maritime","sentiment":"neutral","sentiment_score":0.05555793642997742},{"word":"complex","start":1249.15,"end":1249.4701,"confidence":0.52783203,"punctuated_word":"complex","sentiment":"neutral","sentiment_score":0.07129981368780136},{"word":"that","start":1249.4701,"end":1249.63,"confidence":0.62353516,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05466712266206741},{"word":"they're","start":1249.63,"end":1249.7101,"confidence":0.91674805,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.05571508035063744},{"word":"about","start":1249.7101,"end":1250.11,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07752139121294022},{"word":"to","start":1250.11,"end":1250.1901,"confidence":0.8173828,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06987321376800537},{"word":"a","start":1250.27,"end":1250.3501,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06407465040683746},{"word":"new","start":1250.3501,"end":1250.5901,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.059952523559331894},{"word":"development","start":1250.5901,"end":1250.99,"confidence":0.9970703,"punctuated_word":"development","sentiment":"neutral","sentiment_score":0.08503567427396774},{"word":"area","start":1250.99,"end":1251.49,"confidence":1.0,"punctuated_word":"area","sentiment":"neutral","sentiment_score":0.07182779908180237},{"word":"that","start":1251.7101,"end":1251.9501,"confidence":0.98095703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08545197546482086},{"word":"maritime","start":1251.9501,"end":1252.4501,"confidence":0.55566406,"punctuated_word":"maritime","sentiment":"neutral","sentiment_score":0.0860266238451004},{"word":"is","start":1252.5901,"end":1252.67,"confidence":0.98291016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1339695304632187},{"word":"putting","start":1252.67,"end":1252.91,"confidence":0.96435547,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.13052210211753845},{"word":"up","start":1252.91,"end":1253.41,"confidence":0.90112305,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.10888390243053436},{"word":"and","start":1255.23,"end":1255.4701,"confidence":0.84228516,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06960935890674591},{"word":"and","start":1255.55,"end":1255.63,"confidence":0.46972656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07453875243663788},{"word":"they","start":1255.63,"end":1255.87,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.10518456995487212},{"word":"will","start":1255.87,"end":1256.03,"confidence":0.95703125,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09649033844470978},{"word":"finish","start":1256.03,"end":1256.43,"confidence":0.99609375,"punctuated_word":"finish","sentiment":"neutral","sentiment_score":0.10723233222961426},{"word":"the","start":1256.43,"end":1256.5901,"confidence":0.9135742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12096784263849258},{"word":"end","start":1256.5901,"end":1256.67,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.1294720619916916},{"word":"of","start":1256.67,"end":1256.91,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12171567231416702},{"word":"next","start":1256.91,"end":1257.15,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.10366538166999816},{"word":"year","start":1257.15,"end":1257.65,"confidence":0.8869629,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.13625568151474},{"word":"so","start":1257.79,"end":1258.03,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10903262346982956},{"word":"they're","start":1258.03,"end":1258.27,"confidence":0.9387207,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.15702790021896362},{"word":"just","start":1258.27,"end":1258.51,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14249159395694733},{"word":"getting","start":1258.51,"end":1258.8301,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.14244966208934784},{"word":"people","start":1258.8301,"end":1259.23,"confidence":0.99121094,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.17026430368423462},{"word":"with","start":1259.23,"end":1259.4701,"confidence":0.5800781,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16140463948249817},{"word":"who","start":1259.4701,"end":1259.9701,"confidence":0.6972656,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.17037123441696167},{"word":"to","start":1260.095,"end":1260.495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18405503034591675},{"word":"buy","start":1260.495,"end":1260.655,"confidence":0.99902344,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.10556447505950928},{"word":"and","start":1260.655,"end":1260.975,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12683770060539246},{"word":"everything","start":1260.975,"end":1261.455,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.08015469461679459},{"word":"like","start":1261.455,"end":1261.6951,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07659930735826492},{"word":"that","start":1261.6951,"end":1262.1951,"confidence":0.96875,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.07308236509561539},{"word":"so","start":1264.8151,"end":1265.3151,"confidence":0.89453125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.008294545114040375},{"word":"got","start":1280.51,"end":1280.75,"confidence":0.95166016,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":-0.035461705178022385},{"word":"it","start":1280.75,"end":1281.25,"confidence":0.99853516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.012235144153237345},{"word":"yeah","start":1282.1901,"end":1282.6901,"confidence":0.795166,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07504156231880188},{"word":"mhmm","start":1293.925,"end":1294.005,"confidence":0.98706055,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03582601249217987},{"word":"mhmm","start":1294.005,"end":1294.505,"confidence":0.97436523,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0051918900571763515},{"word":"mhmm","start":1296.965,"end":1297.465,"confidence":0.87353516,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.15551716089248657},{"word":"mhmm","start":1346.215,"end":1346.715,"confidence":0.8947754,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05913563817739487},{"word":"mhmm","start":1358.03,"end":1358.53,"confidence":0.89501953,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.12199717015028},{"word":"mhmm","start":1377.245,"end":1377.565,"confidence":0.94384766,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.042432330548763275},{"word":"yep","start":1377.565,"end":1378.065,"confidence":0.9807129,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.058551885187625885},{"word":"yep","start":1378.125,"end":1378.5249,"confidence":0.9562988,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.031231217086315155},{"word":"around","start":1378.5249,"end":1378.9249,"confidence":1.0,"punctuated_word":"Around","sentiment":"neutral","sentiment_score":0.030728742480278015},{"word":"the","start":1378.9249,"end":1379.1649,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03616327792406082},{"word":"$9.09","start":1379.1649,"end":1379.8049,"confidence":0.744751,"punctuated_word":"$9.09","sentiment":"neutral","sentiment_score":0.030882535502314568},{"word":"50","start":1379.8049,"end":1380.2849,"confidence":0.99902344,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.03600899130105972},{"word":"mark","start":1380.2849,"end":1380.7849,"confidence":0.9980469,"punctuated_word":"mark.","sentiment":"neutral","sentiment_score":0.05193648487329483},{"word":"yep","start":1404.215,"end":1404.715,"confidence":0.8469238,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20651952922344208},{"word":"yep","start":1408.72,"end":1409.2,"confidence":0.8791504,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24839918315410617},{"word":"mhmm","start":1409.2,"end":1409.7,"confidence":0.9321289,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.17136506736278534},{"word":"mhmm","start":1418.72,"end":1418.96,"confidence":0.9370117,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06053025275468826},{"word":"yep","start":1418.96,"end":1419.46,"confidence":0.96240234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.016822168603539467},{"word":"correct","start":1424.1749,"end":1424.6749,"confidence":0.8547363,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":-0.013737333938479424},{"word":"yeah","start":1426.1749,"end":1426.6749,"confidence":0.73791504,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0483102910220623},{"word":"yep","start":1429.0549,"end":1429.5549,"confidence":0.9421387,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13000033795833588},{"word":"mhmm","start":1462.37,"end":1462.87,"confidence":0.9403076,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.04595997929573059},{"word":"got","start":1489.35,"end":1489.75,"confidence":0.7949219,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.10667261481285097},{"word":"it","start":1489.75,"end":1490.25,"confidence":0.9980469,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.0845237597823143},{"word":"no","start":1514.28,"end":1514.6,"confidence":0.96777344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1343342512845993},{"word":"because","start":1514.6,"end":1514.9199,"confidence":0.79003906,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.18273386359214783},{"word":"our","start":1514.9199,"end":1515.16,"confidence":0.9873047,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.16730846464633942},{"word":"expenses","start":1515.16,"end":1515.64,"confidence":0.9716797,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":-0.12783551216125488},{"word":"is","start":1515.64,"end":1515.96,"confidence":0.86035156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.21031531691551208},{"word":"is","start":1515.96,"end":1516.28,"confidence":0.9375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2802932858467102},{"word":"very","start":1516.28,"end":1516.78,"confidence":0.9873047,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.32389816641807556},{"word":"like","start":1517.5599,"end":1517.7999,"confidence":0.8547363,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.3213360905647278},{"word":"with","start":1517.7999,"end":1518.2999,"confidence":0.9902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.3226122260093689},{"word":"the","start":1518.44,"end":1518.6,"confidence":0.9580078,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3104817867279053},{"word":"tricare","start":1518.6,"end":1519.1,"confidence":0.96028644,"punctuated_word":"TRICARE","sentiment":"neutral","sentiment_score":-0.3216037452220917},{"word":"and","start":1519.16,"end":1519.48,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2932842969894409},{"word":"everything","start":1519.48,"end":1519.88,"confidence":0.9621582,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":-0.2603939473628998},{"word":"it's","start":1519.88,"end":1520.2,"confidence":0.9941406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.29518744349479675},{"word":"it's","start":1520.2,"end":1520.44,"confidence":0.9863281,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.3367469310760498},{"word":"quite","start":1520.44,"end":1520.84,"confidence":1.0,"punctuated_word":"quite","sentiment":"negative","sentiment_score":-0.4013887047767639},{"word":"expensive","start":1520.84,"end":1521.34,"confidence":0.90722656,"punctuated_word":"expensive.","sentiment":"neutral","sentiment_score":-0.30037251114845276},{"word":"so","start":1521.72,"end":1522.22,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.14761191606521606},{"word":"it's","start":1522.36,"end":1522.6,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.14140735566616058},{"word":"very","start":1522.6,"end":1522.9199,"confidence":0.99902344,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.10953978449106216},{"word":"hard","start":1522.9199,"end":1523.24,"confidence":0.8991699,"punctuated_word":"hard.","sentiment":"neutral","sentiment_score":-0.2788679599761963},{"word":"we","start":1523.24,"end":1523.48,"confidence":0.984375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.21369798481464383},{"word":"yeah","start":1523.7999,"end":1524.2999,"confidence":0.9916992,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.2149011194705963},{"word":"it's","start":1524.44,"end":1524.6799,"confidence":0.9797363,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.28461557626724243},{"word":"very","start":1524.6799,"end":1525.0,"confidence":0.9980469,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.32606443762779236},{"word":"hard","start":1525.0,"end":1525.16,"confidence":0.99902344,"punctuated_word":"hard","sentiment":"negative","sentiment_score":-0.3395403027534485},{"word":"for","start":1525.16,"end":1525.4,"confidence":0.99902344,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.4192841351032257},{"word":"us","start":1525.4,"end":1525.5599,"confidence":1.0,"punctuated_word":"us","sentiment":"negative","sentiment_score":-0.38062188029289246},{"word":"to","start":1525.5599,"end":1526.0599,"confidence":0.99316406,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3709096014499664},{"word":"everything","start":1526.865,"end":1527.185,"confidence":0.82128906,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.3235127925872803},{"word":"with","start":1527.265,"end":1527.505,"confidence":0.7998047,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.3271707594394684},{"word":"everything","start":1527.505,"end":1527.985,"confidence":0.9941406,"punctuated_word":"everything","sentiment":"negative","sentiment_score":-0.34670180082321167},{"word":"rising","start":1527.985,"end":1528.485,"confidence":0.8564453,"punctuated_word":"rising,","sentiment":"neutral","sentiment_score":-0.3160651624202728},{"word":"like","start":1528.785,"end":1529.025,"confidence":0.91967773,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2862568497657776},{"word":"before","start":1529.025,"end":1529.345,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.32006722688674927},{"word":"we","start":1529.345,"end":1529.585,"confidence":0.7763672,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.28235185146331787},{"word":"we","start":1529.585,"end":1529.8251,"confidence":0.96972656,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2899884879589081},{"word":"could","start":1529.8251,"end":1530.3251,"confidence":0.7565918,"punctuated_word":"could.","sentiment":"neutral","sentiment_score":-0.3078872561454773},{"word":"you","start":1531.185,"end":1531.425,"confidence":0.92333984,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.1554647535085678},{"word":"know","start":1531.425,"end":1531.925,"confidence":0.9658203,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.15205618739128113},{"word":"but","start":1532.0651,"end":1532.545,"confidence":0.9790039,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.2330804169178009},{"word":"right","start":1532.545,"end":1532.785,"confidence":0.96972656,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.30238446593284607},{"word":"now","start":1532.785,"end":1533.105,"confidence":0.8894043,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.2674659192562103},{"word":"we're","start":1533.105,"end":1533.345,"confidence":0.8623047,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.322243332862854},{"word":"we're","start":1533.345,"end":1533.585,"confidence":0.96875,"punctuated_word":"we're","sentiment":"negative","sentiment_score":-0.4308153092861175},{"word":"struggling","start":1533.585,"end":1534.0651,"confidence":1.0,"punctuated_word":"struggling","sentiment":"negative","sentiment_score":-0.4688934683799744},{"word":"a","start":1534.0651,"end":1534.145,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5172162055969238},{"word":"little","start":1534.145,"end":1534.385,"confidence":1.0,"punctuated_word":"little","sentiment":"negative","sentiment_score":-0.4141936004161834},{"word":"bit","start":1534.385,"end":1534.7051,"confidence":1.0,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.5193428993225098},{"word":"with","start":1534.7051,"end":1534.9451,"confidence":1.0,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.5571602582931519},{"word":"the","start":1534.9451,"end":1535.185,"confidence":0.99121094,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.49252381920814514},{"word":"the","start":1535.185,"end":1535.345,"confidence":0.5751953,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.46591833233833313},{"word":"finances","start":1535.345,"end":1535.845,"confidence":0.77441406,"punctuated_word":"finances.","sentiment":"negative","sentiment_score":-0.3631482720375061},{"word":"just","start":1537.025,"end":1537.265,"confidence":0.74658203,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.1891689896583557},{"word":"this","start":1537.265,"end":1537.425,"confidence":0.96972656,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.20405855774879456},{"word":"year","start":1537.425,"end":1537.745,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.1610928475856781},{"word":"that","start":1537.745,"end":1537.905,"confidence":0.86572266,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10242287814617156},{"word":"we","start":1537.905,"end":1538.0651,"confidence":0.9838867,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11218321323394775},{"word":"we","start":1538.0651,"end":1538.5651,"confidence":0.7578125,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11437803506851196},{"word":"yeah","start":1559.335,"end":1559.835,"confidence":0.84277344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.12984517216682434},{"word":"mhmm","start":1565.47,"end":1565.97,"confidence":0.99609375,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.08732323348522186},{"word":"mhmm","start":1578.4299,"end":1578.9299,"confidence":0.89501953,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0951688289642334},{"word":"mhmm","start":1578.945,"end":1579.445,"confidence":0.8942871,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.027268104255199432},{"word":"yep","start":1586.9325,"end":1587.4325,"confidence":0.7130127,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.024840056896209717},{"word":"mhmm","start":1601.88,"end":1602.38,"confidence":0.9020996,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.06103024631738663},{"word":"yeah","start":1602.8401,"end":1603.24,"confidence":0.68847656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.013145108707249165},{"word":"income","start":1603.24,"end":1603.74,"confidence":0.98583984,"punctuated_word":"Income.","sentiment":"neutral","sentiment_score":-0.028133701533079147},{"word":"yeah","start":1604.04,"end":1604.54,"confidence":0.9194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08248329907655716},{"word":"yeah","start":1613.975,"end":1614.475,"confidence":0.8718262,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08909037709236145},{"word":"mhmm","start":1621.68,"end":1622.18,"confidence":0.9822998,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.08284838497638702},{"word":"mhmm","start":1627.6875,"end":1628.1875,"confidence":0.86602783,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.13744336366653442},{"word":"yep","start":1638.4149,"end":1638.9149,"confidence":0.8588867,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2820543050765991},{"word":"mhmm","start":1647.5349,"end":1647.9349,"confidence":0.92626953,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09803539514541626},{"word":"yep","start":1647.9349,"end":1648.41,"confidence":0.9580078,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1219811737537384},{"word":"yeah","start":1667.715,"end":1667.875,"confidence":0.9421387,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.015685809776186943},{"word":"it's","start":1667.875,"end":1668.115,"confidence":0.7340088,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.06239987537264824},{"word":"crazy","start":1668.115,"end":1668.615,"confidence":0.99902344,"punctuated_word":"crazy.","sentiment":"neutral","sentiment_score":-0.033566366881132126},{"word":"yep","start":1668.755,"end":1669.255,"confidence":0.94433594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.018703658133745193},{"word":"yep","start":1677.075,"end":1677.575,"confidence":0.9394531,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11464612931013109},{"word":"yep","start":1683.69,"end":1684.19,"confidence":0.94873047,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13374610245227814},{"word":"mhmm","start":1691.69,"end":1692.19,"confidence":0.9291992,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.049286358058452606},{"word":"yep","start":1692.25,"end":1692.75,"confidence":0.9213867,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08718012273311615},{"word":"yep","start":1703.135,"end":1703.635,"confidence":0.8027344,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.35315197706222534},{"word":"mhmm","start":1706.895,"end":1707.0549,"confidence":0.9099121,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.11675933003425598},{"word":"yep","start":1707.0549,"end":1707.54,"confidence":0.9436035,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14506766200065613},{"word":"sure","start":1708.8201,"end":1709.3201,"confidence":0.8483887,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.13583660125732422},{"word":"mhmm","start":1715.14,"end":1715.64,"confidence":0.99658203,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.224360853433609},{"word":"mhmm","start":1729.115,"end":1729.615,"confidence":0.92749023,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.1042117327451706},{"word":"mhmm","start":1737.13,"end":1737.63,"confidence":0.9133301,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.07734396308660507},{"word":"no","start":1738.89,"end":1739.05,"confidence":0.8100586,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2585473656654358},{"word":"that's","start":1739.05,"end":1739.37,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.13949938118457794},{"word":"good","start":1739.37,"end":1739.61,"confidence":0.98291016,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.1222548708319664},{"word":"advice","start":1739.61,"end":1740.0901,"confidence":0.98999023,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":-0.1172364577651024},{"word":"yep","start":1740.0901,"end":1740.5901,"confidence":0.97802734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.02308996021747589},{"word":"yep","start":1746.89,"end":1747.39,"confidence":0.967041,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08745911717414856},{"word":"yeah","start":1756.785,"end":1757.285,"confidence":0.9758301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09064875543117525},{"word":"yeah","start":1759.5851,"end":1760.0651,"confidence":0.76293945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03184813633561134},{"word":"yeah","start":1760.0651,"end":1760.52,"confidence":0.98413086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0183333083987236},{"word":"mhmm","start":1787.215,"end":1787.295,"confidence":0.94311523,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.10310111939907074},{"word":"mhmm","start":1787.295,"end":1787.375,"confidence":0.93151855,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.09742690622806548},{"word":"yep","start":1787.375,"end":1787.875,"confidence":0.77490234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.12100423872470856},{"word":"mhmm","start":1789.055,"end":1789.555,"confidence":0.99487305,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.04630561918020248},{"word":"yep","start":1790.095,"end":1790.595,"confidence":0.9567871,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06977811455726624},{"word":"i","start":1804.135,"end":1804.375,"confidence":0.92089844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21140329539775848},{"word":"don't","start":1804.375,"end":1804.875,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.18149517476558685},{"word":"mind","start":1804.935,"end":1805.3351,"confidence":1.0,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.21485461294651031},{"word":"you","start":1805.3351,"end":1805.655,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17078456282615662},{"word":"sending","start":1805.655,"end":1806.155,"confidence":0.99609375,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":0.14043334126472473},{"word":"it","start":1806.4551,"end":1806.855,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1569138914346695},{"word":"through","start":1806.855,"end":1807.355,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.11306357383728027},{"word":"just","start":1807.495,"end":1807.735,"confidence":0.75683594,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19305461645126343},{"word":"for","start":1807.735,"end":1807.975,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10921492427587508},{"word":"us","start":1807.975,"end":1808.295,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.11709696799516678},{"word":"to","start":1808.295,"end":1808.615,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12635233998298645},{"word":"have","start":1808.615,"end":1808.935,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13692252337932587},{"word":"a","start":1808.935,"end":1809.095,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11975320428609848},{"word":"look","start":1809.095,"end":1809.595,"confidence":0.95874023,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.08297913521528244},{"word":"the","start":1811.895,"end":1812.055,"confidence":0.51220703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.014936767518520355},{"word":"other","start":1812.055,"end":1812.215,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.01699039340019226},{"word":"thing","start":1812.215,"end":1812.4551,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.03454151749610901},{"word":"is","start":1812.4551,"end":1812.6951,"confidence":0.9655762,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.07728640735149384},{"word":"like","start":1812.6951,"end":1812.935,"confidence":0.9941406,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.07807137072086334},{"word":"you","start":1812.935,"end":1813.095,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11935936659574509},{"word":"know","start":1813.095,"end":1813.255,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.08548560738563538},{"word":"i","start":1813.255,"end":1813.415,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10157598555088045},{"word":"do","start":1813.415,"end":1813.5751,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18335387110710144},{"word":"take","start":1813.5751,"end":1813.8151,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.12659190595149994},{"word":"your","start":1813.8151,"end":1814.055,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.107877716422081},{"word":"advice","start":1814.055,"end":1814.535,"confidence":0.98828125,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.0008438080549240112},{"word":"and","start":1814.535,"end":1814.775,"confidence":0.8300781,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.035846203565597534},{"word":"you","start":1814.775,"end":1814.935,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07497812062501907},{"word":"know","start":1814.935,"end":1815.175,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.12433469295501708},{"word":"we","start":1815.175,"end":1815.495,"confidence":0.9604492,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06329134106636047},{"word":"really","start":1815.495,"end":1815.735,"confidence":0.98828125,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.18410073220729828},{"word":"need","start":1815.735,"end":1815.975,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.19530989229679108},{"word":"to","start":1815.975,"end":1816.055,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19031712412834167},{"word":"sit","start":1816.055,"end":1816.38,"confidence":0.8171387,"punctuated_word":"sit,","sentiment":"neutral","sentiment_score":-0.20737403631210327},{"word":"you","start":1816.46,"end":1816.54,"confidence":0.9741211,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2951500713825226},{"word":"know","start":1816.54,"end":1816.7,"confidence":0.73327637,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.2701551914215088},{"word":"well","start":1816.7,"end":1816.86,"confidence":0.8659668,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.21546003222465515},{"word":"my","start":1816.86,"end":1817.34,"confidence":0.90283203,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.21785879135131836},{"word":"husband","start":1817.34,"end":1817.84,"confidence":0.80371094,"punctuated_word":"husband","sentiment":"neutral","sentiment_score":-0.21468442678451535},{"word":"and","start":1817.98,"end":1818.14,"confidence":0.9580078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.21826490759849548},{"word":"i","start":1818.14,"end":1818.64,"confidence":0.6722412,"punctuated_word":"I,","sentiment":"neutral","sentiment_score":-0.1922937333583832},{"word":"not","start":1818.66,"end":1819.16,"confidence":0.8359375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.24293243885040283},{"word":"you","start":1819.1799,"end":1819.6799,"confidence":0.5579834,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.25117266178131104},{"word":"to","start":1819.7,"end":1820.2,"confidence":0.28320312,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2617265582084656},{"word":"sit","start":1820.22,"end":1820.46,"confidence":0.9951172,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":-0.32343998551368713},{"word":"down","start":1820.46,"end":1820.78,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.237723708152771},{"word":"and","start":1820.78,"end":1821.28,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.27805274724960327},{"word":"and","start":1821.34,"end":1821.42,"confidence":0.94189453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.26446664333343506},{"word":"and","start":1821.42,"end":1821.5,"confidence":0.93408203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.21735289692878723},{"word":"go","start":1821.5,"end":1821.82,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.12593179941177368},{"word":"through","start":1821.82,"end":1822.3,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.16231447458267212},{"word":"what","start":1822.3,"end":1822.78,"confidence":0.8293457,"punctuated_word":"what,","sentiment":"neutral","sentiment_score":-0.18066777288913727},{"word":"you","start":1822.78,"end":1822.9401,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.19453313946723935},{"word":"know","start":1822.9401,"end":1823.26,"confidence":0.9790039,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.2259766161441803},{"word":"our","start":1823.26,"end":1823.74,"confidence":0.9460449,"punctuated_word":"our,","sentiment":"neutral","sentiment_score":-0.1941104233264923},{"word":"you","start":1823.74,"end":1823.82,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16842254996299744},{"word":"know","start":1823.82,"end":1824.14,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1725045144557953},{"word":"our","start":1824.14,"end":1824.38,"confidence":0.99316406,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.1908436119556427},{"word":"cash","start":1824.38,"end":1824.7,"confidence":0.96240234,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.15934669971466064},{"word":"flows","start":1824.7,"end":1825.2,"confidence":0.94628906,"punctuated_word":"flows","sentiment":"neutral","sentiment_score":-0.04527956247329712},{"word":"and","start":1825.66,"end":1825.74,"confidence":0.92089844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12028547376394272},{"word":"and","start":1825.74,"end":1825.9,"confidence":0.91503906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1028188169002533},{"word":"what","start":1825.9,"end":1826.4,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.10439704358577728},{"word":"we","start":1826.54,"end":1826.7,"confidence":0.86279297,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11469820141792296},{"word":"can","start":1826.7,"end":1827.1,"confidence":0.6044922,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.0899660736322403},{"word":"cut","start":1827.1,"end":1827.6,"confidence":0.98535156,"punctuated_word":"cut","sentiment":"neutral","sentiment_score":-0.08078739047050476},{"word":"out","start":1827.74,"end":1828.06,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.14887869358062744},{"word":"and","start":1828.06,"end":1828.38,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15914663672447205},{"word":"save","start":1828.38,"end":1828.7,"confidence":0.99902344,"punctuated_word":"save","sentiment":"neutral","sentiment_score":-0.14236591756343842},{"word":"and","start":1828.7,"end":1828.9401,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12715905904769895},{"word":"all","start":1828.9401,"end":1829.1,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.17935428023338318},{"word":"that","start":1829.1,"end":1829.295,"confidence":0.8359375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15268433094024658},{"word":"stuff","start":1829.375,"end":1829.6951,"confidence":0.9133301,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":-0.10893101245164873},{"word":"and","start":1829.6951,"end":1830.015,"confidence":0.9873047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05681729316711426},{"word":"it's","start":1830.015,"end":1830.255,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.13543516397476196},{"word":"good","start":1830.255,"end":1830.495,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2974901497364044},{"word":"to","start":1830.495,"end":1830.5751,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.181497260928154},{"word":"hear","start":1830.5751,"end":1830.895,"confidence":1.0,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.09749418497085573},{"word":"that","start":1830.895,"end":1831.135,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07707901298999786},{"word":"people","start":1831.135,"end":1831.535,"confidence":0.9863281,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.09885314106941225},{"word":"are","start":1831.535,"end":1831.615,"confidence":0.97802734,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.05829966068267822},{"word":"also","start":1831.615,"end":1832.115,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.03783419728279114},{"word":"struggling","start":1832.175,"end":1832.655,"confidence":0.8222656,"punctuated_word":"struggling.","sentiment":"neutral","sentiment_score":-0.1396459937095642},{"word":"it's","start":1832.655,"end":1832.8151,"confidence":0.97314453,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.3821524977684021},{"word":"just","start":1832.8151,"end":1832.9751,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.33266404271125793},{"word":"not","start":1832.9751,"end":1833.2151,"confidence":0.99609375,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3602156341075897},{"word":"us","start":1833.2151,"end":1833.615,"confidence":0.99121094,"punctuated_word":"us.","sentiment":"negative","sentiment_score":-0.3521616458892822},{"word":"we're","start":1833.615,"end":1833.775,"confidence":0.9477539,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.3290335237979889},{"word":"not","start":1833.775,"end":1834.0951,"confidence":0.97802734,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.20670974254608152},{"word":"the","start":1834.0951,"end":1834.5951,"confidence":0.91015625,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4202515780925751},{"word":"the","start":1834.895,"end":1834.9751,"confidence":0.7446289,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.414003849029541},{"word":"only","start":1834.9751,"end":1835.2151,"confidence":0.98828125,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.29784613847732544},{"word":"one","start":1835.2151,"end":1835.4551,"confidence":0.77563477,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.2940143942832947},{"word":"you","start":1835.4551,"end":1835.615,"confidence":0.99609375,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.2429407238960266},{"word":"know","start":1835.615,"end":1836.115,"confidence":0.9926758,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.1844410002231598},{"word":"so","start":1836.495,"end":1836.995,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.20354753732681272},{"word":"yeah","start":1838.015,"end":1838.3351,"confidence":0.9875488,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.20001336932182312},{"word":"and","start":1838.3351,"end":1838.5751,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.21070636808872223},{"word":"like","start":1838.5751,"end":1838.735,"confidence":0.91503906,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.230902761220932},{"word":"you","start":1838.735,"end":1838.895,"confidence":0.9716797,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1959923952817917},{"word":"said","start":1838.895,"end":1839.055,"confidence":0.99853516,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.17462047934532166},{"word":"you","start":1839.055,"end":1839.2151,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.22143135964870453},{"word":"know","start":1839.2151,"end":1839.375,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.2040572613477707},{"word":"i","start":1839.375,"end":1839.4551,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19988693296909332},{"word":"think","start":1839.4551,"end":1839.775,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.21082371473312375},{"word":"it's","start":1839.775,"end":1840.015,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.299552321434021},{"word":"gonna","start":1840.015,"end":1840.415,"confidence":0.9819336,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.34057334065437317},{"word":"be","start":1840.415,"end":1840.735,"confidence":0.98950195,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":-0.2452462613582611},{"word":"you","start":1840.735,"end":1840.9751,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3160902261734009},{"word":"know","start":1840.9751,"end":1841.135,"confidence":1.0,"punctuated_word":"know,","sentiment":"negative","sentiment_score":-0.33547163009643555},{"word":"another","start":1841.135,"end":1841.635,"confidence":1.0,"punctuated_word":"another","sentiment":"negative","sentiment_score":-0.353721022605896},{"word":"eighteen","start":1841.6951,"end":1842.175,"confidence":0.95703125,"punctuated_word":"eighteen,","sentiment":"negative","sentiment_score":-0.40549564361572266},{"word":"twenty","start":1842.175,"end":1842.495,"confidence":1.0,"punctuated_word":"twenty","sentiment":"negative","sentiment_score":-0.4226616322994232},{"word":"four","start":1842.495,"end":1842.735,"confidence":1.0,"punctuated_word":"four","sentiment":"negative","sentiment_score":-0.3532703220844269},{"word":"months","start":1842.735,"end":1843.235,"confidence":0.9970703,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.3001568615436554},{"word":"for","start":1845.24,"end":1845.64,"confidence":0.98828125,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.33400392532348633},{"word":"that","start":1845.64,"end":1846.14,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.30612534284591675},{"word":"to","start":1846.4401,"end":1846.8401,"confidence":0.87597656,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.34381601214408875},{"word":"to","start":1846.8401,"end":1847.0,"confidence":0.92089844,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.38206976652145386},{"word":"kind","start":1847.0,"end":1847.16,"confidence":0.95166016,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.27377644181251526},{"word":"of","start":1847.16,"end":1847.4,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4189730882644654},{"word":"settle","start":1847.4,"end":1847.72,"confidence":0.78515625,"punctuated_word":"settle","sentiment":"negative","sentiment_score":-0.4012499153614044},{"word":"it","start":1847.72,"end":1847.88,"confidence":0.52441406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.3001651167869568},{"word":"or","start":1847.88,"end":1848.04,"confidence":0.98535156,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.3215044140815735},{"word":"whatnot","start":1848.04,"end":1848.52,"confidence":0.97387695,"punctuated_word":"whatnot","sentiment":"neutral","sentiment_score":-0.26265817880630493},{"word":"and","start":1848.52,"end":1849.02,"confidence":0.6220703,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3436160087585449},{"word":"and","start":1849.0801,"end":1849.4,"confidence":0.9873047,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3357611298561096},{"word":"for","start":1849.4,"end":1849.64,"confidence":0.9741211,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.4832310378551483},{"word":"us","start":1849.64,"end":1849.8,"confidence":0.9970703,"punctuated_word":"us","sentiment":"negative","sentiment_score":-0.43318313360214233},{"word":"to","start":1849.8,"end":1849.9601,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4510757327079773},{"word":"change","start":1849.9601,"end":1850.28,"confidence":0.9970703,"punctuated_word":"change","sentiment":"negative","sentiment_score":-0.39653652906417847},{"word":"our","start":1850.28,"end":1850.4401,"confidence":0.92333984,"punctuated_word":"our","sentiment":"negative","sentiment_score":-0.40861213207244873},{"word":"financial","start":1850.4401,"end":1850.9401,"confidence":0.9633789,"punctuated_word":"financial","sentiment":"negative","sentiment_score":-0.3720733225345611},{"word":"circumstances","start":1851.16,"end":1851.66,"confidence":0.7573242,"punctuated_word":"circumstances,","sentiment":"neutral","sentiment_score":-0.3326258957386017},{"word":"and","start":1852.52,"end":1852.76,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2336146384477615},{"word":"then","start":1852.76,"end":1852.92,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1692894846200943},{"word":"we","start":1852.92,"end":1853.0801,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.19170111417770383},{"word":"can","start":1853.0801,"end":1853.56,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.20141170918941495},{"word":"discuss","start":1853.56,"end":1854.06,"confidence":1.0,"punctuated_word":"discuss","sentiment":"neutral","sentiment_score":-0.22982478141784668},{"word":"again","start":1854.12,"end":1854.6,"confidence":0.99072266,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.15892291069030762},{"word":"but","start":1854.6,"end":1854.8401,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.10588712990283966},{"word":"definitely","start":1854.8401,"end":1855.3401,"confidence":0.80249023,"punctuated_word":"definitely,","sentiment":"neutral","sentiment_score":-0.16198936104774475},{"word":"i","start":1856.52,"end":1856.68,"confidence":0.7949219,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1384262591600418},{"word":"agree","start":1856.68,"end":1857.16,"confidence":0.78027344,"punctuated_word":"agree.","sentiment":"neutral","sentiment_score":-0.1656796634197235},{"word":"like","start":1857.16,"end":1857.4,"confidence":0.7026367,"punctuated_word":"Like,","sentiment":"negative","sentiment_score":-0.36824601888656616},{"word":"this","start":1857.4,"end":1857.8,"confidence":0.9902344,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.4925280809402466},{"word":"whole","start":1857.8,"end":1858.28,"confidence":0.9260254,"punctuated_word":"whole,","sentiment":"negative","sentiment_score":-0.5242214798927307},{"word":"you","start":1858.28,"end":1858.4401,"confidence":0.99902344,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.49793916940689087},{"word":"know","start":1858.4401,"end":1858.9401,"confidence":0.99560547,"punctuated_word":"know,","sentiment":"negative","sentiment_score":-0.48829787969589233},{"word":"self","start":1859.0801,"end":1859.4,"confidence":0.98095703,"punctuated_word":"self","sentiment":"negative","sentiment_score":-0.4742323160171509},{"word":"manage","start":1859.4,"end":1859.8,"confidence":0.68066406,"punctuated_word":"manage,","sentiment":"negative","sentiment_score":-0.452459454536438},{"word":"it's","start":1859.8,"end":1860.105,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.5777314901351929},{"word":"confusing","start":1860.345,"end":1860.845,"confidence":1.0,"punctuated_word":"confusing","sentiment":"negative","sentiment_score":-0.5210361480712891},{"word":"as","start":1860.905,"end":1861.065,"confidence":0.984375,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.45497119426727295},{"word":"it","start":1861.065,"end":1861.225,"confidence":0.9980469,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.49520888924598694},{"word":"is","start":1861.225,"end":1861.465,"confidence":0.6954346,"punctuated_word":"is.","sentiment":"negative","sentiment_score":-0.4804355502128601},{"word":"and","start":1861.465,"end":1861.965,"confidence":0.9838867,"punctuated_word":"And","sentiment":"negative","sentiment_score":-0.5999365448951721},{"word":"all","start":1862.265,"end":1862.505,"confidence":0.5996094,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.6789356470108032},{"word":"all","start":1862.505,"end":1862.825,"confidence":0.8364258,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.7027191519737244},{"word":"the","start":1862.825,"end":1862.985,"confidence":0.99316406,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.7311573028564453},{"word":"rush","start":1862.985,"end":1863.3049,"confidence":0.86328125,"punctuated_word":"rush","sentiment":"negative","sentiment_score":-0.7769706845283508},{"word":"is","start":1863.3049,"end":1863.465,"confidence":0.8925781,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.8098650574684143},{"word":"not","start":1863.465,"end":1863.785,"confidence":0.99902344,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.8173223733901978},{"word":"worth","start":1863.785,"end":1864.025,"confidence":1.0,"punctuated_word":"worth","sentiment":"negative","sentiment_score":-0.7866868376731873},{"word":"it","start":1864.025,"end":1864.265,"confidence":0.88183594,"punctuated_word":"it.","sentiment":"negative","sentiment_score":-0.6429800987243652},{"word":"and","start":1864.265,"end":1864.745,"confidence":0.8720703,"punctuated_word":"And,","sentiment":"negative","sentiment_score":-0.5215853452682495},{"word":"yeah","start":1864.745,"end":1865.065,"confidence":0.9880371,"punctuated_word":"yeah,","sentiment":"negative","sentiment_score":-0.5256567001342773},{"word":"it's","start":1865.065,"end":1865.3049,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.6142838001251221},{"word":"not","start":1865.3049,"end":1865.625,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.6599140763282776},{"word":"advisable","start":1865.625,"end":1866.125,"confidence":0.76000977,"punctuated_word":"advisable.","sentiment":"negative","sentiment_score":-0.616744339466095},{"word":"so","start":1866.745,"end":1867.225,"confidence":1.0,"punctuated_word":"So","sentiment":"negative","sentiment_score":-0.36018016934394836},{"word":"we","start":1867.225,"end":1867.385,"confidence":0.99121094,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.4084191918373108},{"word":"won't","start":1867.385,"end":1867.885,"confidence":0.9650879,"punctuated_word":"won't","sentiment":"negative","sentiment_score":-0.39732199907302856},{"word":"proceed","start":1867.945,"end":1868.4249,"confidence":0.9980469,"punctuated_word":"proceed","sentiment":"negative","sentiment_score":-0.4011538624763489},{"word":"on","start":1868.4249,"end":1868.585,"confidence":0.9951172,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.3714490234851837},{"word":"with","start":1868.585,"end":1868.745,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2705414593219757},{"word":"that","start":1868.745,"end":1868.985,"confidence":0.9904785,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.23361125588417053},{"word":"we","start":1868.985,"end":1869.225,"confidence":0.99609375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.11963604390621184},{"word":"just","start":1869.225,"end":1869.465,"confidence":0.94921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.15843500196933746},{"word":"keep","start":1869.465,"end":1869.865,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.1400001049041748},{"word":"as","start":1869.865,"end":1870.1849,"confidence":0.9902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1355677992105484},{"word":"is","start":1870.1849,"end":1870.665,"confidence":0.9375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0860719084739685},{"word":"and","start":1870.665,"end":1870.985,"confidence":0.87280273,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.0970381274819374},{"word":"you","start":1870.985,"end":1871.145,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11002238839864732},{"word":"know","start":1871.145,"end":1871.385,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.09381887316703796},{"word":"just","start":1871.385,"end":1871.785,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.11369369924068452},{"word":"look","start":1871.785,"end":1872.025,"confidence":0.9902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.12955930829048157},{"word":"at","start":1872.025,"end":1872.525,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.14327752590179443},{"word":"look","start":1872.62,"end":1873.02,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.11021260917186736},{"word":"at","start":1873.02,"end":1873.52,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10725857317447662},{"word":"everything","start":1873.9,"end":1873.98,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.05366913974285126},{"word":"properly","start":1873.98,"end":1874.48,"confidence":0.7285156,"punctuated_word":"properly","sentiment":"neutral","sentiment_score":-0.052480027079582214},{"word":"again","start":1875.1001,"end":1875.6001,"confidence":0.98583984,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.07074292004108429},{"word":"yeah","start":1896.635,"end":1897.135,"confidence":0.85058594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07772081345319748},{"word":"yeah","start":1911.76,"end":1912.26,"confidence":0.78344727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.009585648775100708},{"word":"yep","start":1913.835,"end":1914.335,"confidence":0.9223633,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.010163888335227966},{"word":"so","start":1914.555,"end":1914.875,"confidence":0.97265625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03892677277326584},{"word":"do","start":1914.875,"end":1915.115,"confidence":0.97265625,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.023452021181583405},{"word":"you","start":1915.115,"end":1915.1951,"confidence":0.91259766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03395835682749748},{"word":"sorry","start":1915.675,"end":1916.175,"confidence":0.9926758,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.09266941994428636},{"word":"yeah","start":1917.1951,"end":1917.435,"confidence":0.98095703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.021367548033595085},{"word":"go","start":1917.435,"end":1917.595,"confidence":1.0,"punctuated_word":"Go","sentiment":"neutral","sentiment_score":0.008212484419345856},{"word":"on","start":1917.595,"end":1918.095,"confidence":0.99902344,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.0599229596555233},{"word":"so","start":1918.235,"end":1918.555,"confidence":0.42041016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21786409616470337},{"word":"i","start":1920.155,"end":1920.395,"confidence":0.34399414,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11724795401096344},{"word":"was","start":1920.395,"end":1920.635,"confidence":0.75,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.08862042427062988},{"word":"just","start":1920.635,"end":1920.795,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11108975112438202},{"word":"saying","start":1920.795,"end":1921.115,"confidence":0.9050293,"punctuated_word":"saying,","sentiment":"neutral","sentiment_score":0.1200380027294159},{"word":"like","start":1921.115,"end":1921.435,"confidence":0.91015625,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0914175659418106},{"word":"you","start":1921.435,"end":1921.595,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.057006023824214935},{"word":"know","start":1921.595,"end":1921.835,"confidence":0.9641113,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.08217822015285492},{"word":"let's","start":1921.835,"end":1922.075,"confidence":0.99121094,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.1341267228126526},{"word":"just","start":1922.075,"end":1922.3151,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1268249154090881},{"word":"say","start":1922.3151,"end":1922.555,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.15134412050247192},{"word":"that","start":1922.555,"end":1922.795,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15670032799243927},{"word":"we","start":1922.795,"end":1923.295,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1951196789741516},{"word":"we","start":1923.675,"end":1924.155,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2913346588611603},{"word":"are","start":1924.155,"end":1924.555,"confidence":0.99902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3491785526275635},{"word":"financially","start":1924.555,"end":1925.055,"confidence":0.9926758,"punctuated_word":"financially,","sentiment":"neutral","sentiment_score":0.289711058139801},{"word":"you","start":1925.675,"end":1925.755,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22875234484672544},{"word":"know","start":1925.755,"end":1926.155,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2707544267177582},{"word":"better","start":1926.155,"end":1926.655,"confidence":0.984375,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.3560446798801422},{"word":"in","start":1927.7001,"end":1927.86,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3648892641067505},{"word":"the","start":1927.86,"end":1928.02,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2890467047691345},{"word":"future","start":1928.02,"end":1928.52,"confidence":0.72998047,"punctuated_word":"future,","sentiment":"neutral","sentiment_score":0.2466312050819397},{"word":"and","start":1928.5801,"end":1928.98,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25317224860191345},{"word":"we","start":1928.98,"end":1929.22,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17791296541690826},{"word":"reach","start":1929.22,"end":1929.62,"confidence":0.9838867,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.27826473116874695},{"word":"out","start":1929.62,"end":1930.02,"confidence":0.89746094,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.20833036303520203},{"word":"and","start":1930.02,"end":1930.52,"confidence":0.9855957,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.13000360131263733},{"word":"you","start":1930.9,"end":1931.06,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11947333812713624},{"word":"know","start":1931.06,"end":1931.3,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.12128212302923204},{"word":"we've","start":1931.3,"end":1931.46,"confidence":0.7780762,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.1494596153497696},{"word":"we","start":1931.62,"end":1931.86,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1260606050491333},{"word":"still","start":1931.86,"end":1932.34,"confidence":0.9770508,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1964559555053711},{"word":"want","start":1932.34,"end":1932.74,"confidence":0.9980469,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.16652914881706238},{"word":"to","start":1932.74,"end":1932.9,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20132195949554443},{"word":"use","start":1932.9,"end":1933.06,"confidence":0.99902344,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.20969116687774655},{"word":"our","start":1933.06,"end":1933.3,"confidence":0.94384766,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.16012461483478546},{"word":"super","start":1933.3,"end":1933.7001,"confidence":0.92578125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.28455156087875366},{"word":"to","start":1933.7001,"end":1933.86,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21206720173358917},{"word":"purchase","start":1933.86,"end":1934.36,"confidence":0.97802734,"punctuated_word":"purchase,","sentiment":"neutral","sentiment_score":0.1550988256931305},{"word":"like","start":1934.42,"end":1934.74,"confidence":0.99316406,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.15398108959197998},{"word":"the","start":1934.74,"end":1934.9,"confidence":0.7973633,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18963676691055295},{"word":"investment","start":1934.9,"end":1935.4,"confidence":0.9428711,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.10365186631679536},{"word":"like","start":1936.26,"end":1936.5801,"confidence":0.9926758,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.0879477858543396},{"word":"can","start":1936.5801,"end":1936.9,"confidence":0.9902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11457989364862442},{"word":"that","start":1936.9,"end":1937.22,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15779665112495422},{"word":"be","start":1937.22,"end":1937.54,"confidence":0.9902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11285775154829024},{"word":"done","start":1937.54,"end":1937.78,"confidence":0.7746582,"punctuated_word":"done?","sentiment":"neutral","sentiment_score":0.06559891998767853},{"word":"and","start":1937.78,"end":1937.9401,"confidence":0.984375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05451470613479614},{"word":"then","start":1937.9401,"end":1938.18,"confidence":0.97802734,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0749891996383667},{"word":"we","start":1938.18,"end":1938.34,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0745224803686142},{"word":"can","start":1938.34,"end":1938.5801,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08611755073070526},{"word":"look","start":1938.5801,"end":1938.8201,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.058387912809848785},{"word":"at","start":1938.8201,"end":1939.14,"confidence":0.95458984,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.07238870859146118},{"word":"like","start":1939.14,"end":1939.54,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08643341064453125},{"word":"property","start":1939.54,"end":1940.02,"confidence":0.8276367,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.11122620105743408},{"word":"instead","start":1940.02,"end":1940.5,"confidence":0.97998047,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.06903618574142456},{"word":"of","start":1940.5,"end":1940.895,"confidence":0.7553711,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.0058579221367836},{"word":"you","start":1940.895,"end":1941.055,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025516211986541748},{"word":"know","start":1941.055,"end":1941.135,"confidence":0.9538574,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.008512787520885468},{"word":"there's","start":1941.135,"end":1941.495,"confidence":0.9970703,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.024888601154088977},{"word":"no","start":1941.495,"end":1941.855,"confidence":0.77197266,"punctuated_word":"no,","sentiment":"neutral","sentiment_score":-0.043092310428619385},{"word":"like","start":1941.855,"end":1942.095,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.03279303014278412},{"word":"okay","start":1942.415,"end":1942.915,"confidence":0.9614258,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.006104312837123871},{"word":"can","start":1947.775,"end":1948.015,"confidence":0.32617188,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.012381864711642264},{"word":"you","start":1948.015,"end":1948.175,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01149047166109085},{"word":"hear","start":1948.175,"end":1948.495,"confidence":0.99609375,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.015854356810450554},{"word":"there's","start":1948.495,"end":1948.735,"confidence":0.9663086,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.02001376450061798},{"word":"a","start":1948.735,"end":1948.895,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.013490893878042698},{"word":"crossover","start":1948.895,"end":1949.395,"confidence":0.9980469,"punctuated_word":"crossover","sentiment":"neutral","sentiment_score":-0.015458032488822935},{"word":"or","start":1949.4551,"end":1949.615,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02158956229686737},{"word":"something","start":1949.615,"end":1950.115,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.02642017789185047},{"word":"or","start":1951.535,"end":1951.6951,"confidence":0.46044922,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.022327691316604618},{"word":"someone's","start":1951.6951,"end":1952.1951,"confidence":0.7443034,"punctuated_word":"someone's?","sentiment":"neutral","sentiment_score":-0.038022324442863464},{"word":"yep","start":1954.86,"end":1955.34,"confidence":0.9892578,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.00515805184841156},{"word":"so","start":1955.34,"end":1955.84,"confidence":0.38964844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01258121058344841},{"word":"can","start":1956.22,"end":1956.3799,"confidence":0.34887695,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.003514375537633896},{"word":"you","start":1956.3799,"end":1956.5399,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010738134384155272},{"word":"hear","start":1956.5399,"end":1956.6599,"confidence":0.9892578,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.01705474779009819},{"word":"did","start":1956.7799,"end":1957.0199,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.016239240765571594},{"word":"you","start":1957.0199,"end":1957.1,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0216338150203228},{"word":"hear","start":1957.1,"end":1957.2599,"confidence":1.0,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.025135165080428123},{"word":"what","start":1957.2599,"end":1957.4199,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.026964280754327778},{"word":"i","start":1957.4199,"end":1957.5,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04934164881706238},{"word":"just","start":1957.5,"end":1957.74,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.029900727793574333},{"word":"said","start":1957.74,"end":1958.24,"confidence":0.99902344,"punctuated_word":"said?","sentiment":"neutral","sentiment_score":-0.03175974264740944},{"word":"oh","start":1960.86,"end":1961.36,"confidence":0.6850586,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.07869937270879745},{"word":"yeah","start":1969.1749,"end":1969.335,"confidence":0.8041992,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0025142431259155273},{"word":"yeah","start":1969.335,"end":1969.575,"confidence":0.97680664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009233325719833374},{"word":"so","start":1969.575,"end":1969.815,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.009000115096569061},{"word":"i","start":1969.815,"end":1969.895,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.004016406834125519},{"word":"was","start":1969.895,"end":1970.0549,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.005662389099597931},{"word":"just","start":1970.0549,"end":1970.2949,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.008613809943199158},{"word":"saying","start":1970.2949,"end":1970.615,"confidence":0.8745117,"punctuated_word":"saying,","sentiment":"neutral","sentiment_score":0.04491259902715683},{"word":"like","start":1970.615,"end":1971.095,"confidence":0.8508301,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.049880627542734146},{"word":"because","start":1971.095,"end":1971.595,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.054417312145233154},{"word":"all","start":1971.815,"end":1972.0549,"confidence":0.9902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06597595661878586},{"word":"this","start":1972.0549,"end":1972.375,"confidence":0.53271484,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.05244232714176178},{"word":"is","start":1972.375,"end":1972.695,"confidence":0.7006836,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07237180322408676},{"word":"with","start":1972.695,"end":1972.855,"confidence":0.47094727,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09932734817266464},{"word":"the","start":1972.855,"end":1973.015,"confidence":0.84716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08185970783233643},{"word":"self","start":1973.015,"end":1973.4149,"confidence":0.9970703,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.0668618381023407},{"word":"managed","start":1973.4149,"end":1973.9149,"confidence":0.63793945,"punctuated_word":"managed.","sentiment":"neutral","sentiment_score":0.060022588819265366},{"word":"like","start":1973.975,"end":1974.475,"confidence":0.99560547,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.0795372724533081},{"word":"we","start":1974.695,"end":1975.015,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08912332355976105},{"word":"don't","start":1975.015,"end":1975.495,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.05884817987680435},{"word":"have","start":1975.495,"end":1975.815,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06906900554895401},{"word":"to","start":1975.815,"end":1976.315,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021458372473716736},{"word":"have","start":1977.575,"end":1977.975,"confidence":0.9604492,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0184563472867012},{"word":"a","start":1977.975,"end":1978.135,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04405383020639419},{"word":"property","start":1978.135,"end":1978.635,"confidence":0.9970703,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.06079855561256409},{"word":"first","start":1979.255,"end":1979.735,"confidence":0.7636719,"punctuated_word":"first.","sentiment":"neutral","sentiment_score":-0.01818770170211792},{"word":"like","start":1979.735,"end":1980.215,"confidence":0.98828125,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.05889049544930458},{"word":"have","start":1980.215,"end":1980.375,"confidence":0.58251953,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08562936633825302},{"word":"a","start":1980.375,"end":1980.5475,"confidence":0.9165039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07640758156776428},{"word":"property","start":1980.5475,"end":1980.72,"confidence":0.45874023,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.0708003044128418},{"word":"in","start":1980.7999,"end":1981.0399,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06829293072223663},{"word":"mind","start":1981.0399,"end":1981.2,"confidence":0.91748047,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.1168416664004326},{"word":"we","start":1981.2,"end":1981.36,"confidence":0.87353516,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.099523164331913},{"word":"wanna","start":1981.36,"end":1981.76,"confidence":0.8408203,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.11959962546825408},{"word":"purchase","start":1981.76,"end":1982.26,"confidence":0.9951172,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.07940559089183807},{"word":"to","start":1982.32,"end":1982.82,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08338227868080139},{"word":"set","start":1982.88,"end":1983.2,"confidence":0.9970703,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.11218737810850143},{"word":"this","start":1983.2,"end":1983.52,"confidence":0.9892578,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10002188384532928},{"word":"all","start":1983.52,"end":1983.84,"confidence":0.98291016,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.10917231440544128},{"word":"up","start":1983.84,"end":1984.34,"confidence":0.7675781,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.08394881337881088},{"word":"can","start":1984.48,"end":1984.72,"confidence":0.98095703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07885640859603882},{"word":"it","start":1984.72,"end":1984.7999,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12161551415920258},{"word":"be","start":1984.7999,"end":1985.2,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1308642476797104},{"word":"that","start":1985.2,"end":1985.6,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13088490068912506},{"word":"we","start":1985.6,"end":1985.84,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1055925041437149},{"word":"set","start":1985.84,"end":1986.08,"confidence":0.99121094,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.11991769075393675},{"word":"it","start":1986.08,"end":1986.24,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12298543006181716},{"word":"up","start":1986.24,"end":1986.48,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1125459372997284},{"word":"first","start":1986.48,"end":1986.88,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.11660083383321762},{"word":"with","start":1986.88,"end":1987.12,"confidence":0.99316406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15863138437271118},{"word":"the","start":1987.12,"end":1987.28,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1539037674665451},{"word":"view","start":1987.28,"end":1987.6799,"confidence":0.99902344,"punctuated_word":"view","sentiment":"neutral","sentiment_score":0.1739974319934845},{"word":"of","start":1987.6799,"end":1988.1799,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15586526691913605},{"word":"looking","start":1988.72,"end":1989.2,"confidence":0.99609375,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.14732326567173004},{"word":"for","start":1989.2,"end":1989.6,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1149982437491417},{"word":"an","start":1989.6,"end":1989.9199,"confidence":0.73583984,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0959489643573761},{"word":"investment","start":1989.9199,"end":1990.4199,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.06357976049184799},{"word":"property","start":1990.5599,"end":1991.0599,"confidence":0.92211914,"punctuated_word":"property?","sentiment":"neutral","sentiment_score":0.0733269453048706},{"word":"because","start":1991.12,"end":1991.62,"confidence":0.9970703,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.01394081860780716},{"word":"i","start":1991.9199,"end":1992.08,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.011790692806243896},{"word":"feel","start":1992.08,"end":1992.4,"confidence":0.9970703,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.05366069823503494},{"word":"that","start":1992.4,"end":1992.72,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09071459621191023},{"word":"the","start":1992.72,"end":1992.88,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0690515860915184},{"word":"time","start":1992.88,"end":1993.28,"confidence":0.85253906,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.04950220510363579},{"word":"you","start":1993.28,"end":1993.52,"confidence":0.9770508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025953352451324463},{"word":"know","start":1993.52,"end":1993.6799,"confidence":0.9904785,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.006086267530918121},{"word":"like","start":1993.6799,"end":1993.9199,"confidence":0.94677734,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.03864437714219093},{"word":"the","start":1993.9199,"end":1994.08,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.056360818445682526},{"word":"timeline","start":1994.08,"end":1994.58,"confidence":0.89990234,"punctuated_word":"timeline","sentiment":"neutral","sentiment_score":0.08631987869739532},{"word":"of","start":1994.72,"end":1995.22,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.096884623169899},{"word":"setting","start":1995.705,"end":1995.945,"confidence":0.9873047,"punctuated_word":"setting","sentiment":"neutral","sentiment_score":0.10812557488679886},{"word":"it","start":1995.945,"end":1996.1849,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11316803842782974},{"word":"up","start":1996.1849,"end":1996.4249,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.10662603378295898},{"word":"and","start":1996.4249,"end":1996.825,"confidence":0.9428711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06244269758462906},{"word":"then","start":1996.825,"end":1996.985,"confidence":0.96533203,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07044683396816254},{"word":"getting","start":1996.985,"end":1997.3049,"confidence":0.99902344,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.011655062437057497},{"word":"the","start":1997.3049,"end":1997.465,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017324119806289673},{"word":"bank","start":1997.465,"end":1997.785,"confidence":0.9980469,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.0404588058590889},{"word":"approval","start":1997.785,"end":1998.265,"confidence":0.9025879,"punctuated_word":"approval,","sentiment":"neutral","sentiment_score":0.008400514721870422},{"word":"all","start":1998.265,"end":1998.505,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.004655010998249054},{"word":"that","start":1998.505,"end":1998.825,"confidence":0.9667969,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008135832846164703},{"word":"stuff","start":1998.825,"end":1999.325,"confidence":0.782959,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":0.047007977962493896},{"word":"like","start":1999.385,"end":1999.885,"confidence":0.53930664,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.07041627168655396},{"word":"does","start":2000.825,"end":2001.145,"confidence":0.9970703,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.06856787949800491},{"word":"that","start":2001.145,"end":2001.3049,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12236735224723816},{"word":"make","start":2001.3049,"end":2001.465,"confidence":0.984375,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10907695442438126},{"word":"sense","start":2001.465,"end":2001.785,"confidence":0.9970703,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.07384026050567627},{"word":"like","start":2001.785,"end":2002.025,"confidence":0.9343262,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.09637826681137084},{"word":"i","start":2002.025,"end":2002.105,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0799911618232727},{"word":"mean","start":2002.105,"end":2002.345,"confidence":0.9807129,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.1143035963177681},{"word":"like","start":2002.345,"end":2002.585,"confidence":0.91967773,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.12905870378017426},{"word":"with","start":2002.585,"end":2002.745,"confidence":0.9482422,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16014942526817322},{"word":"the","start":2002.745,"end":2002.905,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13157908618450165},{"word":"self","start":2002.905,"end":2003.145,"confidence":0.99121094,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.12195386737585068},{"word":"manage","start":2003.145,"end":2003.625,"confidence":0.55126953,"punctuated_word":"manage,","sentiment":"neutral","sentiment_score":0.10589604079723358},{"word":"i","start":2003.625,"end":2003.785,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1109568253159523},{"word":"mean","start":2003.785,"end":2004.105,"confidence":0.9975586,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.14969226717948914},{"word":"you","start":2004.105,"end":2004.345,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1764080375432968},{"word":"can","start":2004.345,"end":2004.845,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19312450289726257},{"word":"you","start":2004.985,"end":2005.485,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19197212159633636},{"word":"anyone","start":2005.785,"end":2006.285,"confidence":0.9902344,"punctuated_word":"anyone","sentiment":"neutral","sentiment_score":0.20808307826519012},{"word":"can","start":2006.4249,"end":2006.9249,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17572104930877686},{"word":"decide","start":2007.145,"end":2007.5449,"confidence":1.0,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.12880341708660126},{"word":"on","start":2007.5449,"end":2007.785,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13440614938735962},{"word":"that","start":2007.785,"end":2007.945,"confidence":0.9941406,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1277438998222351},{"word":"it","start":2007.945,"end":2008.105,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.12268143892288208},{"word":"doesn't","start":2008.105,"end":2008.53,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.09346600621938704},{"word":"have","start":2008.61,"end":2008.77,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.094891257584095},{"word":"to","start":2008.77,"end":2008.93,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06595848500728607},{"word":"be","start":2008.93,"end":2009.3301,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.034047678112983704},{"word":"self","start":2009.3301,"end":2009.73,"confidence":0.99902344,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.015716552734375},{"word":"managed","start":2009.73,"end":2010.05,"confidence":0.85839844,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.01050526648759842},{"word":"and","start":2010.05,"end":2010.29,"confidence":0.37182617,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08754275739192963},{"word":"that","start":2010.29,"end":2010.61,"confidence":0.7817383,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10431911796331406},{"word":"the","start":2010.61,"end":2010.85,"confidence":0.5917969,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12494918704032898},{"word":"reason","start":2010.85,"end":2011.17,"confidence":0.9770508,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":0.06272199749946594},{"word":"for","start":2011.17,"end":2011.3301,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12570089101791382},{"word":"self","start":2011.3301,"end":2011.65,"confidence":0.99902344,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.08504980802536011},{"word":"managed","start":2011.65,"end":2011.97,"confidence":0.9375,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.07708969712257385},{"word":"is","start":2011.97,"end":2012.13,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15537284314632416},{"word":"to","start":2012.13,"end":2012.29,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1076127141714096},{"word":"buy","start":2012.29,"end":2012.4501,"confidence":1.0,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.0806470587849617},{"word":"a","start":2012.4501,"end":2012.61,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08729049563407898},{"word":"property","start":2012.61,"end":2013.11,"confidence":0.9863281,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.06794372946023941},{"word":"is","start":2013.81,"end":2014.05,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1056601256132126},{"word":"that","start":2014.05,"end":2014.2101,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12381437420845032},{"word":"correct","start":2014.2101,"end":2014.7101,"confidence":0.9970703,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.08775777369737625},{"word":"like","start":2014.77,"end":2015.01,"confidence":0.9543457,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.09725867956876756},{"word":"you","start":2015.01,"end":2015.25,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09526287764310835},{"word":"you","start":2015.25,"end":2015.41,"confidence":0.97509766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08021160215139389},{"word":"can","start":2015.41,"end":2015.5701,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1577359139919281},{"word":"choose","start":2015.5701,"end":2015.89,"confidence":1.0,"punctuated_word":"choose","sentiment":"neutral","sentiment_score":0.1492238491773605},{"word":"to","start":2015.89,"end":2015.97,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1497432291507721},{"word":"go","start":2015.97,"end":2016.2101,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.15379929542541504},{"word":"with","start":2016.2101,"end":2016.37,"confidence":0.9658203,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14162476360797882},{"word":"a","start":2016.37,"end":2016.53,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12551671266555786},{"word":"super","start":2016.53,"end":2016.93,"confidence":0.9902344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1817101389169693},{"word":"or","start":2016.93,"end":2017.43,"confidence":0.9892578,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11318351328372955},{"word":"self","start":2017.49,"end":2017.89,"confidence":0.99902344,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.0968637615442276},{"word":"managed","start":2017.89,"end":2018.39,"confidence":0.8989258,"punctuated_word":"managed.","sentiment":"neutral","sentiment_score":0.12956294417381287},{"word":"mhmm","start":2035.99,"end":2036.49,"confidence":0.9752197,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.16674485802650452},{"word":"mhmm","start":2043.75,"end":2043.9099,"confidence":0.87109375,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08210102468729019},{"word":"mhmm","start":2043.9099,"end":2043.99,"confidence":0.859375,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08492964506149292},{"word":"yep","start":2043.99,"end":2044.49,"confidence":0.87280273,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16715282201766968},{"word":"yep","start":2050.8699,"end":2051.3699,"confidence":0.9428711,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2169860303401947},{"word":"yeah","start":2066.055,"end":2066.555,"confidence":0.8137207,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08632847666740417},{"word":"mhmm","start":2066.7751,"end":2067.2751,"confidence":0.96447754,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.05929715931415558},{"word":"mhmm","start":2072.91,"end":2073.41,"confidence":0.9647217,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.08026894927024841},{"word":"oh","start":2085.485,"end":2085.725,"confidence":0.7648926,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.17042243480682373},{"word":"it's","start":2085.725,"end":2085.805,"confidence":0.85424805,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.159208744764328},{"word":"because","start":2085.805,"end":2086.045,"confidence":0.95703125,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.18269777297973633},{"word":"of","start":2086.045,"end":2086.205,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19626526534557345},{"word":"the","start":2086.205,"end":2086.285,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2079604864120483},{"word":"new","start":2086.285,"end":2086.5251,"confidence":0.99902344,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.2536643147468567},{"word":"changes","start":2086.5251,"end":2086.925,"confidence":0.94189453,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":-0.21279481053352356},{"word":"is","start":2086.925,"end":2087.0051,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.10074669122695924},{"word":"that","start":2087.0051,"end":2087.245,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08870385587215424},{"word":"what","start":2087.245,"end":2087.405,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.1287202686071396},{"word":"you're","start":2087.405,"end":2087.565,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.11157473921775818},{"word":"saying","start":2087.565,"end":2088.065,"confidence":0.99902344,"punctuated_word":"saying?","sentiment":"neutral","sentiment_score":-0.0885639637708664},{"word":"oh","start":2089.485,"end":2089.985,"confidence":0.73095703,"punctuated_word":"Oh.","sentiment":"neutral","sentiment_score":-0.10580481588840485},{"word":"oh","start":2098.18,"end":2098.42,"confidence":0.75146484,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.1608305424451828},{"word":"i","start":2098.42,"end":2098.66,"confidence":0.8359375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18655243515968323},{"word":"see","start":2098.66,"end":2099.16,"confidence":1.0,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":-0.17837785184383392},{"word":"oh","start":2102.02,"end":2102.52,"confidence":0.9165039,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.1108691394329071},{"word":"i","start":2102.74,"end":2102.8198,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11822725832462312},{"word":"i","start":2102.8198,"end":2102.9,"confidence":0.64990234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10943198204040527},{"word":"get","start":2102.9,"end":2103.14,"confidence":0.9970703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.08940970152616501},{"word":"it","start":2103.14,"end":2103.3,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.09257013350725174},{"word":"yep","start":2103.3,"end":2103.7,"confidence":0.9736328,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.06182067841291427},{"word":"sorry","start":2103.7,"end":2104.02,"confidence":0.9916992,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.22622323036193848},{"word":"i","start":2104.02,"end":2104.0999,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3125700354576111},{"word":"missed","start":2104.0999,"end":2104.42,"confidence":0.96240234,"punctuated_word":"missed","sentiment":"neutral","sentiment_score":-0.3149998188018799},{"word":"that","start":2104.42,"end":2104.5,"confidence":0.9863281,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.29793816804885864},{"word":"whole","start":2104.5,"end":2104.58,"confidence":0.64501953,"punctuated_word":"whole","sentiment":"negative","sentiment_score":-0.36549773812294006},{"word":"call","start":2104.58,"end":2104.74,"confidence":0.7093506,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":-0.29311126470565796},{"word":"yeah","start":2104.74,"end":2105.24,"confidence":0.6455078,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.21448449790477753},{"word":"yeah","start":2109.195,"end":2109.695,"confidence":0.84033203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07837261259555817},{"word":"yep","start":2110.875,"end":2111.375,"confidence":0.7651367,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.1066235825419426},{"word":"yep","start":2113.7551,"end":2114.2551,"confidence":0.8117676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.19204090535640717},{"word":"yep","start":2116.155,"end":2116.655,"confidence":0.8713379,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.2084439247846603},{"word":"that's","start":2118.0752,"end":2118.5552,"confidence":0.89697266,"punctuated_word":"That's","sentiment":"negative","sentiment_score":-0.5059356689453125},{"word":"not","start":2118.5552,"end":2119.0552,"confidence":0.6699219,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.5690326690673828},{"word":"yeah","start":2119.675,"end":2119.915,"confidence":0.8339844,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.14008942246437073},{"word":"exactly","start":2119.915,"end":2120.415,"confidence":0.99560547,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":-0.08473502099514008},{"word":"no","start":2120.475,"end":2120.975,"confidence":0.9855957,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1898396909236908},{"word":"okay","start":2121.8699,"end":2122.2698,"confidence":0.9946289,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.09132131934165956},{"word":"yeah","start":2122.2698,"end":2122.5098,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0319824293255806},{"word":"yeah","start":2122.5098,"end":2122.75,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05482441186904907},{"word":"i","start":2122.75,"end":2122.8298,"confidence":0.6923828,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05732540041208267},{"word":"got","start":2122.8298,"end":2122.99,"confidence":0.99316406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10294733941555025},{"word":"it","start":2122.99,"end":2123.15,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0665394589304924},{"word":"now","start":2123.15,"end":2123.39,"confidence":0.9995117,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.07374710589647293},{"word":"yep","start":2123.39,"end":2123.71,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.029321132227778435},{"word":"sorry","start":2123.71,"end":2124.0298,"confidence":0.9941406,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.16037335991859436},{"word":"i","start":2124.0298,"end":2124.19,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.24365440011024475},{"word":"totally","start":2124.19,"end":2124.67,"confidence":0.9633789,"punctuated_word":"totally","sentiment":"neutral","sentiment_score":-0.27371925115585327},{"word":"did","start":2124.67,"end":2125.0698,"confidence":0.9003906,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.3095895051956177},{"word":"miss","start":2125.0698,"end":2125.39,"confidence":0.8183594,"punctuated_word":"miss","sentiment":"neutral","sentiment_score":-0.3129669725894928},{"word":"the","start":2125.39,"end":2125.5498,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3286888301372528},{"word":"whole","start":2125.5498,"end":2126.0498,"confidence":0.97265625,"punctuated_word":"whole,","sentiment":"neutral","sentiment_score":-0.2639438509941101},{"word":"you","start":2126.1099,"end":2126.2698,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.27102336287498474},{"word":"know","start":2126.2698,"end":2126.5098,"confidence":0.99560547,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.2889972925186157},{"word":"part","start":2126.5098,"end":2126.75,"confidence":0.56152344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.2199295312166214},{"word":"of","start":2126.75,"end":2126.99,"confidence":0.9790039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.24000184237957},{"word":"time","start":2126.99,"end":2127.3098,"confidence":0.90283203,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.28684380650520325},{"word":"then","start":2127.3098,"end":2127.5498,"confidence":0.6838379,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":-0.20351701974868777},{"word":"yeah","start":2127.5498,"end":2127.71,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.13533322513103485},{"word":"i","start":2127.71,"end":2127.7898,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20906582474708557},{"word":"didn't","start":2127.7898,"end":2128.1099,"confidence":0.9758301,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.2059859484434128},{"word":"understand","start":2128.1099,"end":2128.6099,"confidence":0.73657227,"punctuated_word":"understand,","sentiment":"neutral","sentiment_score":-0.23037315905094147},{"word":"but","start":2128.67,"end":2128.91,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.15223202109336853},{"word":"now","start":2128.91,"end":2129.15,"confidence":0.9536133,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.17884334921836853},{"word":"understood","start":2129.39,"end":2129.89,"confidence":0.9890137,"punctuated_word":"understood.","sentiment":"neutral","sentiment_score":-0.24547380208969116},{"word":"yep","start":2130.43,"end":2130.93,"confidence":0.7885742,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.001042477786540985},{"word":"yep","start":2133.15,"end":2133.65,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.012853491120040417},{"word":"yep","start":2134.99,"end":2135.295,"confidence":0.782959,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08749867975711823},{"word":"yep","start":2142.1748,"end":2142.6748,"confidence":0.97143555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.32897281646728516},{"word":"yep","start":2144.375,"end":2144.875,"confidence":0.78686523,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0211603119969368},{"word":"no","start":2146.575,"end":2146.815,"confidence":0.9433594,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08480998873710632},{"word":"that's","start":2146.815,"end":2147.135,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.03705369308590889},{"word":"fine","start":2147.135,"end":2147.635,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.0962570458650589},{"word":"yep","start":2164.1501,"end":2164.515,"confidence":0.6734619,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4094751477241516},{"word":"yeah","start":2172.035,"end":2172.535,"confidence":0.8330078,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3142361640930176},{"word":"yeah","start":2174.755,"end":2175.255,"confidence":0.8840332,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2166485041379929},{"word":"yep","start":2184.05,"end":2184.21,"confidence":0.85253906,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.38620996475219727},{"word":"nice","start":2184.21,"end":2184.71,"confidence":0.9753418,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.5357431769371033},{"word":"okay","start":2185.09,"end":2185.59,"confidence":0.9941406,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.35043108463287354},{"word":"good","start":2187.73,"end":2188.23,"confidence":0.9926758,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.5605391263961792},{"word":"yep","start":2200.545,"end":2200.625,"confidence":0.98999023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08111219853162766},{"word":"yep","start":2200.625,"end":2201.01,"confidence":0.9597168,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09064370393753052},{"word":"mhmm","start":2210.29,"end":2210.79,"confidence":0.9193115,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08764323592185974},{"word":"mhmm","start":2216.925,"end":2217.425,"confidence":0.92541504,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.045140340924263},{"word":"yep","start":2222.0452,"end":2222.5452,"confidence":0.7993164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05093195289373398},{"word":"yep","start":2225.965,"end":2226.0452,"confidence":0.9399414,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.023983916267752647},{"word":"mhmm","start":2226.0452,"end":2226.5452,"confidence":0.99780273,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.023162459954619408},{"word":"yep","start":2231.77,"end":2232.27,"confidence":0.97753906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05788331478834152},{"word":"mhmm","start":2233.77,"end":2234.27,"confidence":0.86816406,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.024024449288845066},{"word":"yep","start":2236.41,"end":2236.91,"confidence":0.83251953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04987538978457451},{"word":"mhmm","start":2246.0251,"end":2246.425,"confidence":0.8729248,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.035865236073732376},{"word":"you","start":2246.425,"end":2246.585,"confidence":0.58154297,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.029187917709350582},{"word":"wanna","start":2246.585,"end":2246.905,"confidence":0.9291992,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.09026147425174712},{"word":"process","start":2246.905,"end":2247.405,"confidence":0.4350586,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.06476496160030365},{"word":"today","start":2247.465,"end":2247.965,"confidence":0.6413574,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.03186924383044243},{"word":"okay","start":2248.825,"end":2249.225,"confidence":0.8703613,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04795881360769272},{"word":"how","start":2249.225,"end":2249.385,"confidence":0.49365234,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.02889083512127399},{"word":"many","start":2249.385,"end":2249.885,"confidence":0.67822266,"punctuated_word":"many?","sentiment":"neutral","sentiment_score":0.06614112854003906},{"word":"yep","start":2250.745,"end":2251.245,"confidence":0.91625977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09002312272787094},{"word":"mhmm","start":2268.2898,"end":2268.7898,"confidence":0.9490967,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03727264329791069},{"word":"mhmm","start":2275.745,"end":2276.245,"confidence":0.9465332,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.014183809980750084},{"word":"mhmm","start":2278.305,"end":2278.805,"confidence":0.9349365,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.006528699770569801},{"word":"mhmm","start":2283.0251,"end":2283.5251,"confidence":0.892334,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.023524262011051175},{"word":"mhmm","start":2285.72,"end":2286.22,"confidence":0.83325195,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0164242722094059},{"word":"mhmm","start":2294.1199,"end":2294.6199,"confidence":0.8616333,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.03194662183523178},{"word":"mhmm","start":2295.24,"end":2295.74,"confidence":0.9301758,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.1145068109035492},{"word":"mhmm","start":2298.28,"end":2298.78,"confidence":0.89733887,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.10515578091144562},{"word":"mhmm","start":2303.585,"end":2304.085,"confidence":0.9025879,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.021191801875829697},{"word":"yep","start":2304.225,"end":2304.725,"confidence":0.7001953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.020499370992183685},{"word":"yeah","start":2306.945,"end":2307.445,"confidence":0.73791504,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.003331472165882587},{"word":"mhmm","start":2311.5051,"end":2312.0051,"confidence":0.8944092,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04996386170387268},{"word":"yep","start":2312.04,"end":2312.54,"confidence":0.75756836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12556396424770355},{"word":"yep","start":2318.04,"end":2318.54,"confidence":0.810791,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1477697193622589},{"word":"yeah","start":2324.84,"end":2325.34,"confidence":0.84765625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.26639091968536377},{"word":"sounds","start":2325.6401,"end":2326.04,"confidence":0.87597656,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.4889936447143554},{"word":"good","start":2326.04,"end":2326.515,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3968727886676788},{"word":"yep","start":2329.075,"end":2329.575,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12366561591625214},{"word":"yep","start":2335.2349,"end":2335.7349,"confidence":0.9675293,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06881804019212723},{"word":"yep","start":2335.9548,"end":2336.4548,"confidence":0.74243164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03888889402151108},{"word":"yeah","start":2339.875,"end":2340.36,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05169648677110672},{"word":"mhmm","start":2353.9602,"end":2354.2002,"confidence":0.8590088,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.029634064063429832},{"word":"yep","start":2354.2002,"end":2354.7002,"confidence":0.7038574,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06234685704112053},{"word":"yeah","start":2358.665,"end":2359.165,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23221173882484436},{"word":"good","start":2360.8252,"end":2361.3252,"confidence":0.99365234,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.4439302086830139},{"word":"thank","start":2361.465,"end":2361.705,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5342612266540527},{"word":"you","start":2361.705,"end":2361.945,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.593478798866272},{"word":"so","start":2361.945,"end":2362.185,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6365882754325867},{"word":"much","start":2362.185,"end":2362.685,"confidence":1.0,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.5735241174697876},{"word":"yeah","start":2362.745,"end":2363.225,"confidence":0.9260254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2845412790775299},{"word":"thank","start":2363.225,"end":2363.465,"confidence":0.44067383,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.4847719967365265},{"word":"you","start":2363.465,"end":2363.965,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.16940519213676453},{"word":"no","start":2366.665,"end":2366.905,"confidence":0.9875488,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.16334035992622375},{"word":"totally","start":2366.905,"end":2367.385,"confidence":0.8984375,"punctuated_word":"Totally","sentiment":"neutral","sentiment_score":-0.12098737061023712},{"word":"not","start":2367.385,"end":2367.7852,"confidence":0.9458008,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.027681630104780197},{"word":"you've","start":2367.7852,"end":2367.9453,"confidence":0.64160156,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.12868134677410126},{"word":"we've","start":2368.1052,"end":2368.3452,"confidence":0.9941406,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.2615000605583191},{"word":"learned","start":2368.3452,"end":2368.665,"confidence":0.7836914,"punctuated_word":"learned","sentiment":"positive","sentiment_score":0.4391714930534363},{"word":"a","start":2368.665,"end":2368.745,"confidence":0.984375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.45874297618865967},{"word":"lot","start":2368.745,"end":2369.0652,"confidence":0.7546387,"punctuated_word":"lot,","sentiment":"neutral","sentiment_score":0.32895782589912415},{"word":"so","start":2369.0652,"end":2369.225,"confidence":0.7529297,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.16955628991127014},{"word":"that's","start":2369.225,"end":2369.465,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.3051232099533081},{"word":"the","start":2369.465,"end":2369.625,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19790533185005188},{"word":"main","start":2369.625,"end":2369.8652,"confidence":0.9863281,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.3020018935203552},{"word":"aim","start":2369.8652,"end":2370.3652,"confidence":0.9885254,"punctuated_word":"aim.","sentiment":"neutral","sentiment_score":0.19910293817520144},{"word":"nope","start":2378.54,"end":2379.04,"confidence":0.8095703,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":0.019343450665473935},{"word":"everything's","start":2379.5,"end":2379.98,"confidence":0.34875488,"punctuated_word":"Everything's","sentiment":"neutral","sentiment_score":0.2280084192752838},{"word":"fine","start":2379.98,"end":2380.48,"confidence":0.5455322,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1867784857749939},{"word":"yeah","start":2381.6602,"end":2382.1602,"confidence":0.74035645,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2311437427997589},{"word":"yep","start":2383.18,"end":2383.68,"confidence":0.79711914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.25615963339805603},{"word":"yep","start":2393.125,"end":2393.625,"confidence":0.84033203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11716189235448836},{"word":"yep","start":2399.06,"end":2399.56,"confidence":0.9885254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15333837270736694},{"word":"yep","start":2402.6602,"end":2403.1602,"confidence":0.9880371,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.33644622564315796},{"word":"yep","start":2410.02,"end":2410.1,"confidence":0.95996094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24809113144874573},{"word":"yep","start":2410.1,"end":2410.6,"confidence":0.89208984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.27234914898872375},{"word":"thank","start":2410.825,"end":2411.065,"confidence":0.99316406,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7210680246353149},{"word":"you","start":2411.065,"end":2411.145,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7558985352516174},{"word":"so","start":2411.145,"end":2411.465,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.790544331073761},{"word":"much","start":2411.465,"end":2411.705,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.825991690158844},{"word":"for","start":2411.705,"end":2411.865,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7807786464691162},{"word":"your","start":2411.865,"end":2412.105,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7681896686553955},{"word":"time","start":2412.105,"end":2412.605,"confidence":1.0,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.8248751163482666},{"word":"thank","start":2412.665,"end":2412.905,"confidence":0.8642578,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6439368724822998},{"word":"you","start":2412.905,"end":2413.405,"confidence":0.84228516,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6571809649467468},{"word":"alright","start":2413.865,"end":2414.365,"confidence":0.9650879,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.3308870792388916},{"word":"take","start":2414.425,"end":2414.665,"confidence":0.99902344,"punctuated_word":"Take","sentiment":"positive","sentiment_score":0.3801942765712738},{"word":"care","start":2414.665,"end":2415.165,"confidence":0.9995117,"punctuated_word":"care.","sentiment":"positive","sentiment_score":0.3486112654209137},{"word":"take","start":2415.465,"end":2415.705,"confidence":0.94970703,"punctuated_word":"Take","sentiment":"neutral","sentiment_score":0.19630561769008636},{"word":"care","start":2415.705,"end":2416.205,"confidence":0.9995117,"punctuated_word":"care.","sentiment":"neutral","sentiment_score":0.3175681233406067},{"word":"yep","start":2416.425,"end":2416.905,"confidence":0.9758301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.28459131717681885},{"word":"bye","start":2416.905,"end":2417.405,"confidence":0.9975586,"punctuated_word":"Bye.","sentiment":"positive","sentiment_score":0.3891841769218445},{"word":"have","start":2417.545,"end":2417.7852,"confidence":0.82958984,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.5664469003677368},{"word":"a","start":2417.7852,"end":2417.865,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6852446794509888},{"word":"good","start":2417.865,"end":2418.0251,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6551640033721924},{"word":"day","start":2418.0251,"end":2418.345,"confidence":0.8708496,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.6693611741065979},{"word":"you","start":2418.345,"end":2418.425,"confidence":0.96875,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.4210174977779389},{"word":"too","start":2418.425,"end":2418.905,"confidence":0.9946289,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.3735547661781311},{"word":"bye","start":2418.905,"end":2419.405,"confidence":0.9326172,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.25835442543029785}],"paragraphs":{"transcript":"\nFine. Yeah. Good, mate. Good. Good.\n\nGood. Yeah. Yeah. I just need to add her on. Yep.\n\nYep. That's fine. 10/31/1982, and it is 742 Slash 9 Rothschild Avenue in Roseberry. Yep. Alright.\n\nGive me a sec. Alright. I've got Vivian on the line. Hello? Good.\n\nThank you. Thanks for your time. Yeah. Yeah. Yeah.\n\nSure. Yep. Yep. Yep. Six of the second nineteen eighty four.\n\nMy address is 7 oh god. 42 there. 742. Yes. Sorry.\n\nJuly. And I have child of Roseberry. Mhmm. Yep. Correct.\n\nYep. Yeah. No. No. Yeah.\n\nSo the purchase price is around 800. It's in Carlingford. It's an apartment. It'll be bought off the plan. And yeah.\n\nBasically, we're just looking at options. So, obviously, one of the options was to get to borrow from the bank. Another one was asking it was, like, a percent. They just needed 5%. Okay.\n\nIt was, like, 5%. Yeah. They were only asking for 5% as opposed to what they would usually ask for. And, well, basically, we just wanted to navigate to see how possible it is for us. I mean, it it is a very good deal.\n\nWe know the person through a close friend of ours. She's been doing this for a while, and the the opportunity was offered to us. And so, yeah, we just wanted want to see how possible is it? Should we, shouldn't we, risks, etcetera. Correct.\n\nNo. Nothing. Yep. Mhmm. Yep.\n\nMhmm. Mhmm. Yep. Mhmm. Right.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nOkay. Mhmm. Mhmm. Yep. Mhmm.\n\nYep. Yep. That's right. Yep. Yep.\n\nYes. Okay. What can we do? Sorry. What's the last bit?\n\nYep. If the deal can be extended, is is that what you're saying? Like, if we can get the deal to be extended to give us a bit more time, then then it will be okay? Right. Oh, okay.\n\nBecause the setup and everything is eating into the time of the loan application, like, into the forty five days. Right? Okay. So with the self managed, we also manage that ourselves. That's pretty much what it is about.\n\nIs that right? Like, if we we take everything out and then, obviously, we don't have any but then you you were talking about the investment, the hub, and all of that. That's because we're still linked to you guys as a self managed fund. I'm not I'm not yeah. Yep.\n\nYep. Yep. Right. So it's not entirely, you you know, us managing that. We still got, like, in that sense.\n\nSo Mhmm. I see. Okay. Okay. Look, how do I have to do this in the price?\n\nThe the the only problem we consider we consider to buy using the super is because we don't have $40 to pull out of the air in order to pay that deposit, which which were they said was, like I I can't remember. Right? So what if we were to, like, completely I don't know. Do you guys help with refinancing? Because yeah.\n\nWell, we the thing is, maybe that could be another option, like, refinance, borrow, and then just have a new plan in place. Does that is that something that would work? Like, so we can get, like, the deposit. Is it enough? I mean, we're still gonna have to borrow the value of the house?\n\nI don't know. I'm I'm really a beginner in this. No. We we don't have any program. Very new to us, and we obviously want to to have our foot in the market.\n\nWe just wanna know, like because obviously, you guys know about our financial I mean, our super. Right? That that numbers. And, like, we just want, like, step by step running through what are our options and what would be the what yeah. For us to decide on which way would be good.\n\nDefinitely, we we want we're renting at the moment. We're happy where we are. You know, we we don't wanna move somewhere far away from where we are. Right? And so yeah.\n\nSo yeah. We just want to know the option. You know, we we don't mind getting an investment if that's gonna help us in the future to, you know, borrow and buy or purchase our own place. So it doesn't have to be a a yeah. Move in.\n\nWe just want to we just want something to own something. Yeah. So yeah. Exactly. So it's just that we are obviously super rich, but not well, I wouldn't say rich, but, like, but, you know, like, with all our income, it's all expenses with rent and kids and all that stuff.\n\nSo it's just very hard for us. So what can we do to no. No. No. So and what's doable, what's not.\n\nYou know, we just need that advice around what we have right now, what can be done, if we need to say, what what is our plan, that kind of thing. Because I think we both of us spoke differently to different advisers before about and then they did briefly talk about self manage and all of that stuff. But at that point in time, it was just because I was pregnant and all that and, you know, like, it was just a a lot to to take in. So well, we're settled now. We've got two kids, so we just want to do something right now.\n\nYou know what I mean? So if if possible. Mhmm. Mhmm. Totally.\n\nYep. Yep. Mhmm. Mhmm. Mhmm.\n\nYep. Yep. Yeah. We're a first time buyers. Yeah.\n\nWe will be first time buyers. Mhmm. Mhmm. Yep. Yep.\n\nYep. Yep. Exactly. Yep. Yep.\n\nIt's it's brand new. It's it's It's a maritime complex that they're about to a new development area that maritime is putting up. And And they will finish the end of next year. So they're just getting people with who to buy and everything like that. So Got it.\n\nYeah. Mhmm. Mhmm. Mhmm. Mhmm.\n\nMhmm. Mhmm. Yep. Yep. Around the $9.09 50 mark.\n\nYep. Yep. Mhmm. Mhmm. Yep.\n\nCorrect. Yeah. Yep. Mhmm. Got it.\n\nNo. Because our expenses is is very like, with the TRICARE and everything, it's it's quite expensive. So it's very hard. We yeah. It's very hard for us to everything with everything rising, like, before we we could.\n\nYou know? But right now, we're we're struggling a little bit with the the finances. Just this year that we we Yeah. Mhmm. Mhmm.\n\nMhmm. Yep. Mhmm. Yeah. Income.\n\nYeah. Yeah. Mhmm. Mhmm. Yep.\n\nMhmm. Yep. Yeah. It's crazy. Yep.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nMhmm. Yep. Sure. Mhmm. Mhmm.\n\nMhmm. No. That's good advice. Yep. Yep.\n\nYeah. Yeah. Yeah. Mhmm. Mhmm.\n\nYep. Mhmm. Yep. I don't mind you sending it through just for us to have a look. The other thing is, like, you know, I do take your advice and, you know, we really need to sit, you know, well, my husband and I, not you, to sit down and and and go through what, you know, our, you know, our cash flows and and what we can cut out and save and all that stuff.\n\nAnd it's good to hear that people are also struggling. It's just not us. We're not the the only one. You know? So yeah.\n\nAnd like you said, you know, I think it's gonna be, you know, another eighteen, twenty four months for that to to kind of settle it or whatnot and and for us to change our financial circumstances, and then we can discuss again. But definitely, I agree. Like, this whole, you know, self manage, it's confusing as it is. And all all the rush is not worth it. And, yeah, it's not advisable.\n\nSo we won't proceed on with that. We just keep as is and, you know, just look at look at everything properly again. Yeah. Yeah. Yep.\n\nSo do you sorry. Yeah. Go on. So I was just saying, like, you know, let's just say that we we are financially, you know, better in the future, and we reach out. And, you know, we've we still want to use our super to purchase, like, the investment.\n\nLike, can that be done? And then we can look at, like, property instead of, you know, there's no, like Okay. Can you hear there's a crossover or something or someone's? Yep. So can you hear did you hear what I just said?\n\nOh, Yeah. Yeah. So I was just saying, like, because all this is with the self managed. Like, we don't have to have a property first. Like, have a property in mind we wanna purchase to set this all up, can it be that we set it up first with the view of looking for an investment property?\n\nBecause I feel that the time, you know, like, the timeline of setting it up and then getting the bank approval, all that stuff. Like, does that make sense? Like, I mean, like, with the self manage, I mean, you can you anyone can decide on that. It doesn't have to be self managed and that the reason for self managed is to buy a property. Is that correct?\n\nLike, you you can choose to go with a super or self managed. Mhmm. Mhmm. Mhmm. Yep.\n\nYep. Yeah. Mhmm. Mhmm. Oh, it's because of the new changes.\n\nIs that what you're saying? Oh. Oh, I see. Oh, I I get it. Yep.\n\nSorry. I missed that whole call. Yeah. Yeah. Yep.\n\nYep. Yep. That's not yeah. Exactly. No.\n\nOkay. Yeah. Yeah. I got it now. Yep.\n\nSorry. I totally did miss the whole, you know, part of time then. Yeah. I didn't understand, but now understood. Yep.\n\nYep. Yep. Yep. Yep. No.\n\nThat's fine. Yep. Yeah. Yeah. Yep.\n\nNice. Okay. Good. Yep. Yep.\n\nMhmm. Mhmm. Yep. Yep. Mhmm.\n\nYep. Mhmm. Yep. Mhmm. You wanna process today?\n\nOkay. How many? Yep. Mhmm. Mhmm.\n\nMhmm. Mhmm. Mhmm. Mhmm. Mhmm.\n\nMhmm. Mhmm. Yep. Yeah. Mhmm.\n\nYep. Yep. Yeah. Sounds good. Yep.\n\nYep. Yep. Yeah. Mhmm. Yep.\n\nYeah. Good. Thank you so much. Yeah. Thank you.\n\nNo. Totally not. You've we've learned a lot, so that's the main aim. Nope. Everything's fine.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Yep. Thank you so much for your time. Thank you. Alright.\n\nTake care. Take care. Yep. Bye. Have a good day.\n\nYou too. Bye.","paragraphs":[{"sentences":[{"text":"Fine.","start":0.0,"end":0.5,"sentiment":"positive","sentiment_score":0.3614251315593719},{"text":"Yeah.","start":7.2,"end":7.52,"sentiment":"neutral","sentiment_score":0.28411078453063965},{"text":"Good, mate.","start":7.52,"end":8.0,"sentiment":"positive","sentiment_score":0.4763403534889221},{"text":"Good.","start":8.0,"end":8.16,"sentiment":"positive","sentiment_score":0.5146170854568481},{"text":"Good.","start":8.16,"end":8.32,"sentiment":"positive","sentiment_score":0.5208474397659302}],"sentiment":"positive","sentiment_score":0.438946858048439,"num_words":6,"start":0.0,"end":8.32},{"sentences":[{"text":"Good.","start":8.32,"end":8.82,"sentiment":"positive","sentiment_score":0.597017765045166},{"text":"Yeah.","start":18.815,"end":19.055,"sentiment":"neutral","sentiment_score":0.027831943705677983},{"text":"Yeah.","start":19.055,"end":19.375,"sentiment":"neutral","sentiment_score":0.027997620403766632},{"text":"I just need to add her on.","start":19.375,"end":21.075,"sentiment":"neutral","sentiment_score":0.029585760618959154},{"text":"Yep.","start":32.510002,"end":32.75,"sentiment":"neutral","sentiment_score":0.0616459995508194}],"sentiment":"neutral","sentiment_score":0.08378124118528583,"num_words":11,"start":8.32,"end":32.75},{"sentences":[{"text":"Yep.","start":32.75,"end":32.99,"sentiment":"neutral","sentiment_score":0.08407104015350342},{"text":"That's fine.","start":32.99,"end":33.73,"sentiment":"neutral","sentiment_score":0.21090228855609897},{"text":"10/31/1982, and it is 742 Slash 9 Rothschild Avenue in Roseberry.","start":38.67,"end":45.225,"sentiment":"neutral","sentiment_score":0.04172958755357699},{"text":"Yep.","start":49.844997,"end":50.164997,"sentiment":"neutral","sentiment_score":0.054048217833042145},{"text":"Alright.","start":50.164997,"end":50.485,"sentiment":"neutral","sentiment_score":0.06849394738674164}],"sentiment":"neutral","sentiment_score":0.067965202848427,"num_words":16,"start":32.75,"end":50.485},{"sentences":[{"text":"Give me a sec.","start":50.485,"end":51.385,"sentiment":"neutral","sentiment_score":0.04957559145987034},{"text":"Alright.","start":76.865005,"end":77.345,"sentiment":"neutral","sentiment_score":0.11606341600418092},{"text":"I've got Vivian on the line.","start":77.345,"end":78.805,"sentiment":"neutral","sentiment_score":0.1196748452881972},{"text":"Hello?","start":79.265,"end":79.765,"sentiment":"neutral","sentiment_score":0.10753363370895386},{"text":"Good.","start":84.659996,"end":85.06,"sentiment":"positive","sentiment_score":0.37619784474372864}],"sentiment":"neutral","sentiment_score":0.11662664092504062,"num_words":13,"start":50.485,"end":85.06},{"sentences":[{"text":"Thank you.","start":85.06,"end":85.619995,"sentiment":"positive","sentiment_score":0.5205793231725693},{"text":"Thanks for your time.","start":85.619995,"end":86.84,"sentiment":"positive","sentiment_score":0.5707330256700516},{"text":"Yeah.","start":96.295006,"end":96.795006,"sentiment":"neutral","sentiment_score":0.03417050838470459},{"text":"Yeah.","start":96.855,"end":97.255005,"sentiment":"neutral","sentiment_score":0.03586282581090927},{"text":"Yeah.","start":97.255005,"end":97.495,"sentiment":"neutral","sentiment_score":0.04753421992063522}],"sentiment":"positive","sentiment_score":0.38240647812684375,"num_words":9,"start":85.06,"end":97.495},{"sentences":[{"text":"Sure.","start":97.495,"end":97.995,"sentiment":"neutral","sentiment_score":0.05192572623491287},{"text":"Yep.","start":101.575005,"end":102.075005,"sentiment":"neutral","sentiment_score":0.029831325635313988},{"text":"Yep.","start":103.655,"end":104.155,"sentiment":"neutral","sentiment_score":0.01482916809618473},{"text":"Yep.","start":104.375,"end":104.875,"sentiment":"neutral","sentiment_score":0.01622971147298813},{"text":"Six of the second nineteen eighty four.","start":108.0,"end":109.840004,"sentiment":"neutral","sentiment_score":0.009049014454441411}],"sentiment":"neutral","sentiment_score":0.016014457510953598,"num_words":11,"start":97.495,"end":109.840004},{"sentences":[{"text":"My address is 7 oh god.","start":109.840004,"end":113.3,"sentiment":"neutral","sentiment_score":0.0048616814116636915},{"text":"42 there.","start":113.76,"end":114.96,"sentiment":"neutral","sentiment_score":0.004148819018155336},{"text":"742.","start":114.96,"end":115.840004,"sentiment":"neutral","sentiment_score":0.0059286002069711685},{"text":"Yes.","start":115.840004,"end":116.16,"sentiment":"neutral","sentiment_score":0.015667680650949478},{"text":"Sorry.","start":116.16,"end":116.4,"sentiment":"neutral","sentiment_score":-0.018731795251369476}],"sentiment":"neutral","sentiment_score":0.003666564737531272,"num_words":11,"start":109.840004,"end":116.4},{"sentences":[{"text":"July.","start":116.4,"end":117.28,"sentiment":"neutral","sentiment_score":-0.006543220020830631},{"text":"And I have child of Roseberry.","start":117.28,"end":119.380005,"sentiment":"neutral","sentiment_score":0.014504789685209593},{"text":"Mhmm.","start":128.705,"end":129.205,"sentiment":"neutral","sentiment_score":0.03996237739920616},{"text":"Yep.","start":133.185,"end":133.685,"sentiment":"neutral","sentiment_score":0.12808941304683685},{"text":"Correct.","start":145.36,"end":145.86,"sentiment":"positive","sentiment_score":0.4966544508934021}],"sentiment":"neutral","sentiment_score":0.07451917594298721,"num_words":10,"start":116.4,"end":145.86},{"sentences":[{"text":"Yep.","start":150.88,"end":151.38,"sentiment":"neutral","sentiment_score":0.05598783120512962},{"text":"Yeah.","start":152.055,"end":152.555,"sentiment":"neutral","sentiment_score":0.04610122740268707},{"text":"No.","start":163.17499,"end":163.575,"sentiment":"neutral","sentiment_score":-0.13587775826454165},{"text":"No.","start":163.575,"end":164.075,"sentiment":"neutral","sentiment_score":-0.14452391862869263},{"text":"Yeah.","start":175.65,"end":176.04999,"sentiment":"neutral","sentiment_score":0.00868089310824871}],"sentiment":"neutral","sentiment_score":-0.03392634503543378,"num_words":5,"start":150.88,"end":176.04999},{"sentences":[{"text":"So the purchase price is around 800.","start":176.04999,"end":178.87,"sentiment":"neutral","sentiment_score":0.0013031728033508574},{"text":"It's in Carlingford.","start":181.405,"end":182.305,"sentiment":"neutral","sentiment_score":-0.012696570406357447},{"text":"It's an apartment.","start":183.325,"end":184.285,"sentiment":"neutral","sentiment_score":-0.0305996381988128},{"text":"It'll be bought off the plan.","start":184.285,"end":185.825,"sentiment":"neutral","sentiment_score":-0.05597191552321116},{"text":"And yeah.","start":188.365,"end":189.485,"sentiment":"neutral","sentiment_score":0.009767160750925541}],"sentiment":"neutral","sentiment_score":-0.020812551801403362,"num_words":21,"start":176.04999,"end":189.485},{"sentences":[{"text":"Basically, we're just looking at options.","start":189.485,"end":191.185,"sentiment":"neutral","sentiment_score":0.0015237804812689622},{"text":"So, obviously, one of the options was to get to borrow from the bank.","start":191.405,"end":195.45999,"sentiment":"neutral","sentiment_score":0.0013248682288186891},{"text":"Another one was asking it was, like, a percent.","start":196.08,"end":200.02,"sentiment":"neutral","sentiment_score":-0.0066213904776506955},{"text":"They just needed 5%.","start":200.23999,"end":202.31999,"sentiment":"neutral","sentiment_score":-0.011712919600540772},{"text":"Okay.","start":202.31999,"end":202.48,"sentiment":"neutral","sentiment_score":0.016605667769908905}],"sentiment":"neutral","sentiment_score":-0.0018278731423539713,"num_words":34,"start":189.485,"end":202.48},{"sentences":[{"text":"It was, like, 5%.","start":202.48,"end":203.68,"sentiment":"neutral","sentiment_score":0.006305760936811566},{"text":"Yeah.","start":203.68,"end":203.92,"sentiment":"neutral","sentiment_score":0.01576610840857029},{"text":"They were only asking for 5% as opposed to what they would usually ask for.","start":203.92,"end":208.73999,"sentiment":"neutral","sentiment_score":-0.0024617822219928105},{"text":"And, well, basically, we just wanted to navigate to see how possible it is for us.","start":209.12,"end":214.535,"sentiment":"neutral","sentiment_score":0.13641217863187194},{"text":"I mean, it it is a very good deal.","start":214.535,"end":216.395,"sentiment":"positive","sentiment_score":0.4573056764072842}],"sentiment":"neutral","sentiment_score":0.14005351921336517,"num_words":45,"start":202.48,"end":216.395},{"sentences":[{"text":"We know the person through a close friend of ours.","start":216.695,"end":220.235,"sentiment":"neutral","sentiment_score":0.1640130028128624},{"text":"She's been doing this for a while, and the the opportunity was offered to us.","start":220.615,"end":225.57,"sentiment":"neutral","sentiment_score":0.1488700419664383},{"text":"And so, yeah, we just wanted want to see how possible is it?","start":226.61,"end":229.81001,"sentiment":"neutral","sentiment_score":0.05410325383910766},{"text":"Should we, shouldn't we, risks, etcetera.","start":229.81001,"end":232.95001,"sentiment":"neutral","sentiment_score":-0.03485465845248351},{"text":"Correct.","start":251.305,"end":251.805,"sentiment":"neutral","sentiment_score":0.03878115862607956}],"sentiment":"neutral","sentiment_score":0.09791502589877281,"num_words":45,"start":216.695,"end":251.805},{"sentences":[{"text":"No.","start":266.33,"end":266.73,"sentiment":"neutral","sentiment_score":-0.09320103377103806},{"text":"Nothing.","start":266.73,"end":267.23,"sentiment":"neutral","sentiment_score":-0.04536116123199463},{"text":"Yep.","start":275.215,"end":275.715,"sentiment":"neutral","sentiment_score":0.08011430501937866},{"text":"Mhmm.","start":340.83502,"end":341.23502,"sentiment":"neutral","sentiment_score":0.04373061656951904},{"text":"Yep.","start":341.23502,"end":341.73502,"sentiment":"neutral","sentiment_score":0.14105086028575897}],"sentiment":"neutral","sentiment_score":0.025266717374324798,"num_words":5,"start":266.33,"end":341.73502},{"sentences":[{"text":"Mhmm.","start":349.19,"end":349.69,"sentiment":"neutral","sentiment_score":0.10118690133094788},{"text":"Mhmm.","start":361.01498,"end":361.41498,"sentiment":"neutral","sentiment_score":0.10426516830921172},{"text":"Yep.","start":361.41498,"end":361.91498,"sentiment":"neutral","sentiment_score":0.19915515184402463},{"text":"Mhmm.","start":367.895,"end":368.395,"sentiment":"neutral","sentiment_score":0.14164787530899048},{"text":"Right.","start":388.01498,"end":388.51498,"sentiment":"neutral","sentiment_score":0.20151636004447937}],"sentiment":"neutral","sentiment_score":0.14955429136753082,"num_words":5,"start":349.19,"end":388.51498},{"sentences":[{"text":"Yep.","start":400.405,"end":400.655,"sentiment":"neutral","sentiment_score":0.151528462767601},{"text":"Yep.","start":400.655,"end":401.155,"sentiment":"neutral","sentiment_score":0.11142127215862274},{"text":"Yep.","start":401.455,"end":401.955,"sentiment":"neutral","sentiment_score":0.1815158575773239},{"text":"Mhmm.","start":424.425,"end":424.925,"sentiment":"neutral","sentiment_score":0.1121237725019455},{"text":"Yep.","start":424.985,"end":425.485,"sentiment":"neutral","sentiment_score":0.26849424839019775}],"sentiment":"neutral","sentiment_score":0.1650167226791382,"num_words":5,"start":400.405,"end":425.485},{"sentences":[{"text":"Okay.","start":438.00998,"end":438.50998,"sentiment":"neutral","sentiment_score":0.09513262659311296},{"text":"Mhmm.","start":453.785,"end":454.285,"sentiment":"neutral","sentiment_score":0.07877356559038162},{"text":"Mhmm.","start":475.315,"end":475.79498,"sentiment":"neutral","sentiment_score":0.11343909800052644},{"text":"Yep.","start":475.79498,"end":476.29498,"sentiment":"neutral","sentiment_score":0.1463363617658615},{"text":"Mhmm.","start":495.56,"end":495.63998,"sentiment":"neutral","sentiment_score":0.06579212844371796}],"sentiment":"neutral","sentiment_score":0.09989475607872009,"num_words":5,"start":438.00998,"end":495.63998},{"sentences":[{"text":"Yep.","start":495.63998,"end":496.13998,"sentiment":"neutral","sentiment_score":0.07369153201580048},{"text":"Yep.","start":496.19998,"end":496.69998,"sentiment":"neutral","sentiment_score":0.07831794023513794},{"text":"That's right.","start":526.36,"end":527.18,"sentiment":"neutral","sentiment_score":0.0646747425198555},{"text":"Yep.","start":528.36,"end":528.86,"sentiment":"neutral","sentiment_score":0.0259416364133358},{"text":"Yep.","start":528.945,"end":529.445,"sentiment":"neutral","sentiment_score":0.01075358595699072}],"sentiment":"neutral","sentiment_score":0.05300902994349599,"num_words":6,"start":495.63998,"end":529.445},{"sentences":[{"text":"Yes.","start":536.5125,"end":537.0125,"sentiment":"neutral","sentiment_score":-0.0029888153076171875},{"text":"Okay.","start":639.965,"end":640.28503,"sentiment":"neutral","sentiment_score":-0.16743965446949005},{"text":"What can we do?","start":640.28503,"end":641.265,"sentiment":"neutral","sentiment_score":-0.16091515868902206},{"text":"Sorry.","start":664.99,"end":665.31,"sentiment":"neutral","sentiment_score":-0.2291429042816162},{"text":"What's the last bit?","start":665.31,"end":666.45,"sentiment":"neutral","sentiment_score":-0.1861574947834015}],"sentiment":"neutral","sentiment_score":-0.1625329079953107,"num_words":11,"start":536.5125,"end":666.45},{"sentences":[{"text":"Yep.","start":685.79004,"end":686.29004,"sentiment":"neutral","sentiment_score":0.20875084400177},{"text":"If the deal can be extended, is is that what you're saying?","start":709.66003,"end":713.9,"sentiment":"neutral","sentiment_score":0.08184598386287689},{"text":"Like, if we can get the deal to be extended to give us a bit more time, then then it will be okay?","start":713.9,"end":720.48,"sentiment":"neutral","sentiment_score":0.12848004601571872},{"text":"Right.","start":735.61,"end":736.11,"sentiment":"neutral","sentiment_score":0.04901473596692085},{"text":"Oh, okay.","start":736.25,"end":736.73,"sentiment":"neutral","sentiment_score":0.05570046603679657}],"sentiment":"neutral","sentiment_score":0.11041947119893172,"num_words":39,"start":685.79004,"end":736.73},{"sentences":[{"text":"Because the setup and everything is eating into the time of the loan application, like, into the forty five days.","start":736.73,"end":744.88995,"sentiment":"neutral","sentiment_score":-0.19500589277595282},{"text":"Right?","start":744.88995,"end":745.38995,"sentiment":"neutral","sentiment_score":0.0663415715098381},{"text":"Okay.","start":776.06,"end":776.56,"sentiment":"neutral","sentiment_score":0.11286285519599916},{"text":"So with the self managed, we also manage that ourselves.","start":856.99,"end":861.08997,"sentiment":"neutral","sentiment_score":0.043306250125169754},{"text":"That's pretty much what it is about.","start":861.14996,"end":863.22504,"sentiment":"neutral","sentiment_score":0.08654126312051501}],"sentiment":"neutral","sentiment_score":-0.0687708227107158,"num_words":39,"start":736.73,"end":863.22504},{"sentences":[{"text":"Is that right?","start":863.22504,"end":864.04504,"sentiment":"neutral","sentiment_score":0.06779254972934723},{"text":"Like, if we we take everything out and then, obviously, we don't have any but then you you were talking about the investment, the hub, and all of that.","start":864.585,"end":875.705,"sentiment":"neutral","sentiment_score":0.04548235231175505},{"text":"That's because we're still linked to you guys as a self managed fund.","start":875.705,"end":880.26,"sentiment":"neutral","sentiment_score":0.12340578780724452},{"text":"I'm not I'm not yeah.","start":881.76,"end":885.06,"sentiment":"neutral","sentiment_score":0.06610545217990875},{"text":"Yep.","start":890.0,"end":890.5,"sentiment":"neutral","sentiment_score":0.095653735101223}],"sentiment":"neutral","sentiment_score":0.06966317850438987,"num_words":51,"start":863.22504,"end":890.5},{"sentences":[{"text":"Yep.","start":893.50494,"end":894.00494,"sentiment":"neutral","sentiment_score":0.12562164664268494},{"text":"Yep.","start":898.46497,"end":898.96497,"sentiment":"neutral","sentiment_score":0.2436482161283493},{"text":"Right.","start":904.865,"end":905.26495,"sentiment":"neutral","sentiment_score":0.024623140692710876},{"text":"So it's not entirely, you you know, us managing that.","start":905.26495,"end":909.12,"sentiment":"neutral","sentiment_score":-0.07085947459563613},{"text":"We still got, like, in that sense.","start":909.12,"end":912.98,"sentiment":"neutral","sentiment_score":-0.007839328476360865}],"sentiment":"neutral","sentiment_score":-0.018478852091357113,"num_words":20,"start":893.50494,"end":912.98},{"sentences":[{"text":"So Mhmm.","start":915.36,"end":921.22,"sentiment":"neutral","sentiment_score":0.10100911185145378},{"text":"I see.","start":945.27997,"end":946.1,"sentiment":"neutral","sentiment_score":0.016848085448145866},{"text":"Okay.","start":946.24,"end":946.74,"sentiment":"neutral","sentiment_score":0.03701227158308029},{"text":"Okay.","start":947.555,"end":948.035,"sentiment":"neutral","sentiment_score":0.03212407976388931},{"text":"Look, how do I have to do this in the price?","start":948.035,"end":949.635,"sentiment":"neutral","sentiment_score":0.04629931988363916}],"sentiment":"neutral","sentiment_score":0.047890780274482334,"num_words":17,"start":915.36,"end":949.635},{"sentences":[{"text":"The the the only problem we consider we consider to buy using the super is because we don't have $40 to pull out of the air in order to pay that deposit, which which were they said was, like I I can't remember.","start":949.635,"end":967.62994,"sentiment":"neutral","sentiment_score":-0.14325567577467407},{"text":"Right?","start":967.62994,"end":968.12994,"sentiment":"neutral","sentiment_score":-0.06710026413202286},{"text":"So what if we were to, like, completely I don't know.","start":968.26996,"end":973.06995,"sentiment":"neutral","sentiment_score":-0.14589338343251834},{"text":"Do you guys help with refinancing?","start":973.06995,"end":974.61,"sentiment":"neutral","sentiment_score":-0.02454897854477167},{"text":"Because yeah.","start":988.35504,"end":992.58,"sentiment":"neutral","sentiment_score":-0.10633882135152817}],"sentiment":"neutral","sentiment_score":-0.13003004847892694,"num_words":63,"start":949.635,"end":992.58},{"sentences":[{"text":"Well, we the thing is, maybe that could be another option, like, refinance, borrow, and then just have a new plan in place.","start":992.58,"end":1002.6,"sentiment":"neutral","sentiment_score":0.1297708850191987},{"text":"Does that is that something that would work?","start":1003.935,"end":1006.195,"sentiment":"neutral","sentiment_score":0.17659551091492176},{"text":"Like, so we can get, like, the deposit.","start":1006.335,"end":1008.195,"sentiment":"neutral","sentiment_score":0.09834847552701831},{"text":"Is it enough?","start":1008.495,"end":1009.395,"sentiment":"neutral","sentiment_score":0.017244836936394375},{"text":"I mean, we're still gonna have to borrow the value of the house?","start":1009.695,"end":1013.075,"sentiment":"neutral","sentiment_score":-0.06478899745987012}],"sentiment":"neutral","sentiment_score":0.07988654165105387,"num_words":55,"start":992.58,"end":1013.075},{"sentences":[{"text":"I don't know.","start":1013.695,"end":1014.335,"sentiment":"neutral","sentiment_score":-0.08169353008270264},{"text":"I'm I'm really a beginner in this.","start":1014.335,"end":1018.86,"sentiment":"neutral","sentiment_score":-0.02742167854947703},{"text":"No.","start":1022.94,"end":1023.44,"sentiment":"neutral","sentiment_score":-0.10604345798492432},{"text":"We we don't have any program.","start":1023.5,"end":1024.62,"sentiment":"neutral","sentiment_score":-0.14972081407904625},{"text":"Very new to us, and we obviously want to to have our foot in the market.","start":1024.86,"end":1029.52,"sentiment":"neutral","sentiment_score":0.01336605940014124}],"sentiment":"neutral","sentiment_score":-0.03719829491367846,"num_words":33,"start":1013.695,"end":1029.52},{"sentences":[{"text":"We just wanna know, like because obviously, you guys know about our financial I mean, our super.","start":1029.98,"end":1035.595,"sentiment":"neutral","sentiment_score":0.001927809461074717},{"text":"Right?","start":1035.595,"end":1036.095,"sentiment":"neutral","sentiment_score":-0.013518597930669785},{"text":"That that numbers.","start":1036.395,"end":1037.135,"sentiment":"neutral","sentiment_score":-0.03397440413633982},{"text":"And, like, we just want, like, step by step running through what are our options and what would be the what yeah.","start":1037.6749,"end":1044.635,"sentiment":"neutral","sentiment_score":0.08983225493945858},{"text":"For us to decide on which way would be good.","start":1044.635,"end":1047.2949,"sentiment":"neutral","sentiment_score":0.1024993360042572}],"sentiment":"neutral","sentiment_score":0.05506856451338192,"num_words":53,"start":1029.98,"end":1047.2949},{"sentences":[{"text":"Definitely, we we want we're renting at the moment.","start":1047.6,"end":1050.58,"sentiment":"neutral","sentiment_score":0.20914691852198708},{"text":"We're happy where we are.","start":1050.64,"end":1052.0,"sentiment":"positive","sentiment_score":0.43991929292678833},{"text":"You know, we we don't wanna move somewhere far away from where we are.","start":1052.0,"end":1055.76,"sentiment":"neutral","sentiment_score":-0.0482429920562676},{"text":"Right?","start":1055.76,"end":1056.16,"sentiment":"neutral","sentiment_score":0.07474145293235779},{"text":"And so yeah.","start":1056.16,"end":1058.72,"sentiment":"neutral","sentiment_score":0.09123838444550832}],"sentiment":"neutral","sentiment_score":0.11734292027540505,"num_words":32,"start":1047.6,"end":1058.72},{"sentences":[{"text":"So yeah.","start":1058.72,"end":1059.84,"sentiment":"neutral","sentiment_score":0.16028007864952087},{"text":"We just want to know the option.","start":1059.84,"end":1060.901,"sentiment":"neutral","sentiment_score":0.21199301310947963},{"text":"You know, we we don't mind getting an investment if that's gonna help us in the future to, you know, borrow and buy or purchase our own place.","start":1060.901,"end":1069.195,"sentiment":"neutral","sentiment_score":0.19781445685241902},{"text":"So it doesn't have to be a a yeah.","start":1069.495,"end":1071.815,"sentiment":"neutral","sentiment_score":-0.01473034442298942},{"text":"Move in.","start":1071.815,"end":1072.375,"sentiment":"neutral","sentiment_score":0.019406212493777275}],"sentiment":"neutral","sentiment_score":0.1510324034607038,"num_words":48,"start":1058.72,"end":1072.375},{"sentences":[{"text":"We just want to we just want something to own something.","start":1072.375,"end":1076.715,"sentiment":"neutral","sentiment_score":0.09828038479794156},{"text":"Yeah.","start":1078.88,"end":1079.38,"sentiment":"neutral","sentiment_score":0.06413349509239197},{"text":"So yeah.","start":1079.84,"end":1086.08,"sentiment":"neutral","sentiment_score":0.010953410528600216},{"text":"Exactly.","start":1086.08,"end":1086.58,"sentiment":"neutral","sentiment_score":-0.01489066332578659},{"text":"So it's just that we are obviously super rich, but not well, I wouldn't say rich, but, like, but, you know, like, with all our income, it's all expenses with rent and kids and all that stuff.","start":1086.88,"end":1097.045,"sentiment":"neutral","sentiment_score":-0.08145027829183114}],"sentiment":"neutral","sentiment_score":-0.035796661753780566,"num_words":52,"start":1072.375,"end":1097.045},{"sentences":[{"text":"So it's just very hard for us.","start":1097.045,"end":1098.805,"sentiment":"neutral","sentiment_score":-0.17486263172967093},{"text":"So what can we do to no.","start":1098.805,"end":1103.865,"sentiment":"neutral","sentiment_score":-0.030532167692269598},{"text":"No.","start":1104.0851,"end":1104.5851,"sentiment":"neutral","sentiment_score":-0.0543048083782196},{"text":"No.","start":1105.5599,"end":1105.7999,"sentiment":"neutral","sentiment_score":-0.08073155581951141},{"text":"So and what's doable, what's not.","start":1105.7999,"end":1107.5599,"sentiment":"neutral","sentiment_score":-0.05216196924448013}],"sentiment":"neutral","sentiment_score":-0.08571689889173616,"num_words":22,"start":1097.045,"end":1107.5599},{"sentences":[{"text":"You know, we just need that advice around what we have right now, what can be done, if we need to say, what what is our plan, that kind of thing.","start":1107.5599,"end":1116.5199,"sentiment":"neutral","sentiment_score":-0.027456272573721026},{"text":"Because I think we both of us spoke differently to different advisers before about and then they did briefly talk about self manage and all of that stuff.","start":1116.5199,"end":1127.035,"sentiment":"neutral","sentiment_score":-0.03285079835248845},{"text":"But at that point in time, it was just because I was pregnant and all that and, you know, like, it was just a a lot to to take in.","start":1127.035,"end":1133.59,"sentiment":"neutral","sentiment_score":-0.06679508623977502},{"text":"So well, we're settled now.","start":1133.89,"end":1135.49,"sentiment":"neutral","sentiment_score":0.06901107430458069},{"text":"We've got two kids, so we just want to do something right now.","start":1135.49,"end":1139.65,"sentiment":"neutral","sentiment_score":0.05352994684989636}],"sentiment":"neutral","sentiment_score":-0.025550230937165633,"num_words":107,"start":1107.5599,"end":1139.65},{"sentences":[{"text":"You know what I mean?","start":1139.65,"end":1140.53,"sentiment":"neutral","sentiment_score":0.01898309774696827},{"text":"So if if possible.","start":1140.53,"end":1142.0701,"sentiment":"neutral","sentiment_score":0.11291337385773659},{"text":"Mhmm.","start":1157.595,"end":1158.095,"sentiment":"neutral","sentiment_score":0.06442540884017944},{"text":"Mhmm.","start":1159.83,"end":1160.33,"sentiment":"neutral","sentiment_score":0.03617306426167488},{"text":"Totally.","start":1163.75,"end":1164.25,"sentiment":"neutral","sentiment_score":0.3034389019012451}],"sentiment":"neutral","sentiment_score":0.07921719659740727,"num_words":12,"start":1139.65,"end":1164.25},{"sentences":[{"text":"Yep.","start":1164.47,"end":1164.97,"sentiment":"neutral","sentiment_score":0.2190629541873932},{"text":"Yep.","start":1165.11,"end":1165.61,"sentiment":"neutral","sentiment_score":0.25470471382141113},{"text":"Mhmm.","start":1171.2699,"end":1171.75,"sentiment":"neutral","sentiment_score":0.25502821803092957},{"text":"Mhmm.","start":1171.75,"end":1172.25,"sentiment":"neutral","sentiment_score":0.21220740675926208},{"text":"Mhmm.","start":1175.8151,"end":1176.3151,"sentiment":"neutral","sentiment_score":0.13022983074188232}],"sentiment":"neutral","sentiment_score":0.21424662470817565,"num_words":5,"start":1164.47,"end":1176.3151},{"sentences":[{"text":"Yep.","start":1176.775,"end":1177.275,"sentiment":"neutral","sentiment_score":0.02523435465991497},{"text":"Yep.","start":1179.0951,"end":1179.5951,"sentiment":"neutral","sentiment_score":0.03879429027438164},{"text":"Yeah.","start":1184.4551,"end":1184.6951,"sentiment":"neutral","sentiment_score":0.05353707820177078},{"text":"We're a first time buyers.","start":1184.6951,"end":1186.055,"sentiment":"neutral","sentiment_score":0.10314243286848068},{"text":"Yeah.","start":1186.055,"end":1186.535,"sentiment":"neutral","sentiment_score":0.15317022800445557}],"sentiment":"neutral","sentiment_score":0.08738312394254738,"num_words":9,"start":1176.775,"end":1186.535},{"sentences":[{"text":"We will be first time buyers.","start":1186.535,"end":1188.155,"sentiment":"neutral","sentiment_score":0.16162057220935822},{"text":"Mhmm.","start":1190.91,"end":1191.41,"sentiment":"positive","sentiment_score":0.4299687445163727},{"text":"Mhmm.","start":1197.6226,"end":1198.1226,"sentiment":"neutral","sentiment_score":0.14222800731658936},{"text":"Yep.","start":1209.615,"end":1210.115,"sentiment":"positive","sentiment_score":0.3394891917705536},{"text":"Yep.","start":1211.455,"end":1211.955,"sentiment":"positive","sentiment_score":0.4871741533279419}],"sentiment":"neutral","sentiment_score":0.23685835301876068,"num_words":10,"start":1186.535,"end":1211.955},{"sentences":[{"text":"Yep.","start":1216.895,"end":1217.135,"sentiment":"neutral","sentiment_score":0.1426469385623932},{"text":"Yep.","start":1217.135,"end":1217.635,"sentiment":"neutral","sentiment_score":0.1012425348162651},{"text":"Exactly.","start":1218.89,"end":1219.39,"sentiment":"neutral","sentiment_score":0.13743318617343905},{"text":"Yep.","start":1233.285,"end":1233.785,"sentiment":"neutral","sentiment_score":0.047910772264003754},{"text":"Yep.","start":1239.2051,"end":1239.7051,"sentiment":"neutral","sentiment_score":0.032901689410209656}],"sentiment":"neutral","sentiment_score":0.09242702424526214,"num_words":5,"start":1216.895,"end":1239.7051},{"sentences":[{"text":"It's it's brand new.","start":1246.405,"end":1247.79,"sentiment":"neutral","sentiment_score":0.06434611696749926},{"text":"It's it's It's a maritime complex that they're about to a new development area that maritime is putting up.","start":1247.87,"end":1253.41,"sentiment":"neutral","sentiment_score":0.07538624950929691},{"text":"And And they will finish the end of next year.","start":1255.23,"end":1257.65,"sentiment":"neutral","sentiment_score":0.10651319921016693},{"text":"So they're just getting people with who to buy and everything like that.","start":1257.79,"end":1262.1951,"sentiment":"neutral","sentiment_score":0.13071811772309816},{"text":"So Got it.","start":1264.8151,"end":1281.25,"sentiment":"neutral","sentiment_score":-0.013134101405739784}],"sentiment":"neutral","sentiment_score":0.09009772299655847,"num_words":49,"start":1246.405,"end":1281.25},{"sentences":[{"text":"Yeah.","start":1282.1901,"end":1282.6901,"sentiment":"neutral","sentiment_score":0.07504156231880188},{"text":"Mhmm.","start":1293.925,"end":1294.005,"sentiment":"neutral","sentiment_score":0.03582601249217987},{"text":"Mhmm.","start":1294.005,"end":1294.505,"sentiment":"neutral","sentiment_score":0.0051918900571763515},{"text":"Mhmm.","start":1296.965,"end":1297.465,"sentiment":"neutral","sentiment_score":0.15551716089248657},{"text":"Mhmm.","start":1346.215,"end":1346.715,"sentiment":"neutral","sentiment_score":0.05913563817739487}],"sentiment":"neutral","sentiment_score":0.06614245278760791,"num_words":5,"start":1282.1901,"end":1346.715},{"sentences":[{"text":"Mhmm.","start":1358.03,"end":1358.53,"sentiment":"neutral","sentiment_score":0.12199717015028},{"text":"Mhmm.","start":1377.245,"end":1377.565,"sentiment":"neutral","sentiment_score":0.042432330548763275},{"text":"Yep.","start":1377.565,"end":1378.065,"sentiment":"neutral","sentiment_score":0.058551885187625885},{"text":"Yep.","start":1378.125,"end":1378.5249,"sentiment":"neutral","sentiment_score":0.031231217086315155},{"text":"Around the $9.09 50 mark.","start":1378.5249,"end":1380.7849,"sentiment":"neutral","sentiment_score":0.037144006416201594}],"sentiment":"neutral","sentiment_score":0.04888140389488803,"num_words":9,"start":1358.03,"end":1380.7849},{"sentences":[{"text":"Yep.","start":1404.215,"end":1404.715,"sentiment":"neutral","sentiment_score":0.20651952922344208},{"text":"Yep.","start":1408.72,"end":1409.2,"sentiment":"neutral","sentiment_score":0.24839918315410617},{"text":"Mhmm.","start":1409.2,"end":1409.7,"sentiment":"neutral","sentiment_score":0.17136506736278534},{"text":"Mhmm.","start":1418.72,"end":1418.96,"sentiment":"neutral","sentiment_score":0.06053025275468826},{"text":"Yep.","start":1418.96,"end":1419.46,"sentiment":"neutral","sentiment_score":0.016822168603539467}],"sentiment":"neutral","sentiment_score":0.14072724021971225,"num_words":5,"start":1404.215,"end":1419.46},{"sentences":[{"text":"Correct.","start":1424.1749,"end":1424.6749,"sentiment":"neutral","sentiment_score":-0.013737333938479424},{"text":"Yeah.","start":1426.1749,"end":1426.6749,"sentiment":"neutral","sentiment_score":0.0483102910220623},{"text":"Yep.","start":1429.0549,"end":1429.5549,"sentiment":"neutral","sentiment_score":0.13000033795833588},{"text":"Mhmm.","start":1462.37,"end":1462.87,"sentiment":"neutral","sentiment_score":-0.04595997929573059},{"text":"Got it.","start":1489.35,"end":1490.25,"sentiment":"neutral","sentiment_score":0.09559818729758263}],"sentiment":"neutral","sentiment_score":0.05163494839022557,"num_words":6,"start":1424.1749,"end":1490.25},{"sentences":[{"text":"No.","start":1514.28,"end":1514.6,"sentiment":"neutral","sentiment_score":-0.1343342512845993},{"text":"Because our expenses is is very like, with the TRICARE and everything, it's it's quite expensive.","start":1514.6,"end":1521.34,"sentiment":"neutral","sentiment_score":-0.2784870183095336},{"text":"So it's very hard.","start":1521.72,"end":1523.24,"sentiment":"neutral","sentiment_score":-0.16935675404965878},{"text":"We yeah.","start":1523.24,"end":1524.2999,"sentiment":"neutral","sentiment_score":-0.2142995521426201},{"text":"It's very hard for us to everything with everything rising, like, before we we could.","start":1524.44,"end":1530.3251,"sentiment":"neutral","sentiment_score":-0.32806920806566875}],"sentiment":"neutral","sentiment_score":-0.2793997575185801,"num_words":38,"start":1514.28,"end":1530.3251},{"sentences":[{"text":"You know?","start":1531.185,"end":1531.925,"sentiment":"neutral","sentiment_score":-0.15376047044992447},{"text":"But right now, we're we're struggling a little bit with the the finances.","start":1532.0651,"end":1535.845,"sentiment":"negative","sentiment_score":-0.41187586921911973},{"text":"Just this year that we we Yeah.","start":1537.025,"end":1559.835,"sentiment":"neutral","sentiment_score":-0.14473567051546915},{"text":"Mhmm.","start":1565.47,"end":1565.97,"sentiment":"neutral","sentiment_score":-0.08732323348522186},{"text":"Mhmm.","start":1578.4299,"end":1578.9299,"sentiment":"neutral","sentiment_score":-0.0951688289642334}],"sentiment":"neutral","sentiment_score":-0.28573120820025605,"num_words":24,"start":1531.185,"end":1578.9299},{"sentences":[{"text":"Mhmm.","start":1578.945,"end":1579.445,"sentiment":"neutral","sentiment_score":-0.027268104255199432},{"text":"Yep.","start":1586.9325,"end":1587.4325,"sentiment":"neutral","sentiment_score":0.024840056896209717},{"text":"Mhmm.","start":1601.88,"end":1602.38,"sentiment":"neutral","sentiment_score":-0.06103024631738663},{"text":"Yeah.","start":1602.8401,"end":1603.24,"sentiment":"neutral","sentiment_score":-0.013145108707249165},{"text":"Income.","start":1603.24,"end":1603.74,"sentiment":"neutral","sentiment_score":-0.028133701533079147}],"sentiment":"neutral","sentiment_score":-0.02094742078334093,"num_words":5,"start":1578.945,"end":1603.74},{"sentences":[{"text":"Yeah.","start":1604.04,"end":1604.54,"sentiment":"neutral","sentiment_score":-0.08248329907655716},{"text":"Yeah.","start":1613.975,"end":1614.475,"sentiment":"neutral","sentiment_score":-0.08909037709236145},{"text":"Mhmm.","start":1621.68,"end":1622.18,"sentiment":"neutral","sentiment_score":-0.08284838497638702},{"text":"Mhmm.","start":1627.6875,"end":1628.1875,"sentiment":"neutral","sentiment_score":-0.13744336366653442},{"text":"Yep.","start":1638.4149,"end":1638.9149,"sentiment":"neutral","sentiment_score":0.2820543050765991}],"sentiment":"neutral","sentiment_score":-0.021962223947048186,"num_words":5,"start":1604.04,"end":1638.9149},{"sentences":[{"text":"Mhmm.","start":1647.5349,"end":1647.9349,"sentiment":"neutral","sentiment_score":0.09803539514541626},{"text":"Yep.","start":1647.9349,"end":1648.41,"sentiment":"neutral","sentiment_score":0.1219811737537384},{"text":"Yeah.","start":1667.715,"end":1667.875,"sentiment":"neutral","sentiment_score":-0.015685809776186943},{"text":"It's crazy.","start":1667.875,"end":1668.615,"sentiment":"neutral","sentiment_score":-0.04798312112689018},{"text":"Yep.","start":1668.755,"end":1669.255,"sentiment":"neutral","sentiment_score":0.018703658133745193}],"sentiment":"neutral","sentiment_score":0.021178029167155426,"num_words":6,"start":1647.5349,"end":1669.255},{"sentences":[{"text":"Yep.","start":1677.075,"end":1677.575,"sentiment":"neutral","sentiment_score":0.11464612931013109},{"text":"Yep.","start":1683.69,"end":1684.19,"sentiment":"neutral","sentiment_score":0.13374610245227814},{"text":"Mhmm.","start":1691.69,"end":1692.19,"sentiment":"neutral","sentiment_score":0.049286358058452606},{"text":"Yep.","start":1692.25,"end":1692.75,"sentiment":"neutral","sentiment_score":0.08718012273311615},{"text":"Yep.","start":1703.135,"end":1703.635,"sentiment":"positive","sentiment_score":0.35315197706222534}],"sentiment":"neutral","sentiment_score":0.14760213792324067,"num_words":5,"start":1677.075,"end":1703.635},{"sentences":[{"text":"Mhmm.","start":1706.895,"end":1707.0549,"sentiment":"neutral","sentiment_score":0.11675933003425598},{"text":"Yep.","start":1707.0549,"end":1707.54,"sentiment":"neutral","sentiment_score":0.14506766200065613},{"text":"Sure.","start":1708.8201,"end":1709.3201,"sentiment":"neutral","sentiment_score":0.13583660125732422},{"text":"Mhmm.","start":1715.14,"end":1715.64,"sentiment":"neutral","sentiment_score":-0.224360853433609},{"text":"Mhmm.","start":1729.115,"end":1729.615,"sentiment":"neutral","sentiment_score":-0.1042117327451706}],"sentiment":"neutral","sentiment_score":0.013818201422691346,"num_words":5,"start":1706.895,"end":1729.615},{"sentences":[{"text":"Mhmm.","start":1737.13,"end":1737.63,"sentiment":"neutral","sentiment_score":-0.07734396308660507},{"text":"No.","start":1738.89,"end":1739.05,"sentiment":"neutral","sentiment_score":-0.2585473656654358},{"text":"That's good advice.","start":1739.05,"end":1740.0901,"sentiment":"neutral","sentiment_score":-0.12633023659388223},{"text":"Yep.","start":1740.0901,"end":1740.5901,"sentiment":"neutral","sentiment_score":-0.02308996021747589},{"text":"Yep.","start":1746.89,"end":1747.39,"sentiment":"neutral","sentiment_score":-0.08745911717414856}],"sentiment":"neutral","sentiment_score":-0.11791873084647315,"num_words":7,"start":1737.13,"end":1747.39},{"sentences":[{"text":"Yeah.","start":1756.785,"end":1757.285,"sentiment":"neutral","sentiment_score":-0.09064875543117525},{"text":"Yeah.","start":1759.5851,"end":1760.0651,"sentiment":"neutral","sentiment_score":-0.03184813633561134},{"text":"Yeah.","start":1760.0651,"end":1760.52,"sentiment":"neutral","sentiment_score":0.0183333083987236},{"text":"Mhmm.","start":1787.215,"end":1787.295,"sentiment":"neutral","sentiment_score":-0.10310111939907074},{"text":"Mhmm.","start":1787.295,"end":1787.375,"sentiment":"neutral","sentiment_score":-0.09742690622806548}],"sentiment":"neutral","sentiment_score":-0.06093832179903984,"num_words":5,"start":1756.785,"end":1787.375},{"sentences":[{"text":"Yep.","start":1787.375,"end":1787.875,"sentiment":"neutral","sentiment_score":-0.12100423872470856},{"text":"Mhmm.","start":1789.055,"end":1789.555,"sentiment":"neutral","sentiment_score":-0.04630561918020248},{"text":"Yep.","start":1790.095,"end":1790.595,"sentiment":"neutral","sentiment_score":0.06977811455726624},{"text":"I don't mind you sending it through just for us to have a look.","start":1804.135,"end":1809.595,"sentiment":"neutral","sentiment_score":0.14816586886133468},{"text":"The other thing is, like, you know, I do take your advice and, you know, we really need to sit, you know, well, my husband and I, not you, to sit down and and and go through what, you know, our, you know, our cash flows and and what we can cut out and save and all that stuff.","start":1811.895,"end":1829.6951,"sentiment":"neutral","sentiment_score":-0.13621780036364572}],"sentiment":"neutral","sentiment_score":-0.07973762895715863,"num_words":76,"start":1787.375,"end":1829.6951},{"sentences":[{"text":"And it's good to hear that people are also struggling.","start":1829.6951,"end":1832.655,"sentiment":"neutral","sentiment_score":0.05111800730228424},{"text":"It's just not us.","start":1832.655,"end":1833.615,"sentiment":"negative","sentiment_score":-0.356798455119133},{"text":"We're not the the only one.","start":1833.615,"end":1835.4551,"sentiment":"neutral","sentiment_score":-0.3269765377044678},{"text":"You know?","start":1835.4551,"end":1836.115,"sentiment":"neutral","sentiment_score":-0.2136908620595932},{"text":"So yeah.","start":1836.495,"end":1838.3351,"sentiment":"neutral","sentiment_score":-0.20178045332431793}],"sentiment":"neutral","sentiment_score":-0.15453398351867995,"num_words":24,"start":1829.6951,"end":1838.3351},{"sentences":[{"text":"And like you said, you know, I think it's gonna be, you know, another eighteen, twenty four months for that to to kind of settle it or whatnot and and for us to change our financial circumstances, and then we can discuss again.","start":1838.3351,"end":1854.6,"sentiment":"neutral","sentiment_score":-0.3048019138879554},{"text":"But definitely, I agree.","start":1854.6,"end":1857.16,"sentiment":"neutral","sentiment_score":-0.14299560338258743},{"text":"Like, this whole, you know, self manage, it's confusing as it is.","start":1857.16,"end":1861.465,"sentiment":"negative","sentiment_score":-0.4856089726090431},{"text":"And all all the rush is not worth it.","start":1861.465,"end":1864.265,"sentiment":"negative","sentiment_score":-0.7273970776134067},{"text":"And, yeah, it's not advisable.","start":1864.265,"end":1866.125,"sentiment":"negative","sentiment_score":-0.5876368522644043}],"sentiment":"negative","sentiment_score":-0.3971305526282689,"num_words":73,"start":1838.3351,"end":1866.125},{"sentences":[{"text":"So we won't proceed on with that.","start":1866.745,"end":1868.985,"sentiment":"negative","sentiment_score":-0.3489538516317095},{"text":"We just keep as is and, you know, just look at look at everything properly again.","start":1868.985,"end":1875.6001,"sentiment":"neutral","sentiment_score":-0.10088411066681147},{"text":"Yeah.","start":1896.635,"end":1897.135,"sentiment":"neutral","sentiment_score":-0.07772081345319748},{"text":"Yeah.","start":1911.76,"end":1912.26,"sentiment":"neutral","sentiment_score":-0.009585648775100708},{"text":"Yep.","start":1913.835,"end":1914.335,"sentiment":"neutral","sentiment_score":0.010163888335227966}],"sentiment":"neutral","sentiment_score":-0.15899866561477,"num_words":26,"start":1866.745,"end":1914.335},{"sentences":[{"text":"So do you sorry.","start":1914.555,"end":1916.175,"sentiment":"neutral","sentiment_score":-0.04725164268165827},{"text":"Yeah.","start":1917.1951,"end":1917.435,"sentiment":"neutral","sentiment_score":-0.021367548033595085},{"text":"Go on.","start":1917.435,"end":1918.095,"sentiment":"neutral","sentiment_score":0.03406772203743458},{"text":"So I was just saying, like, you know, let's just say that we we are financially, you know, better in the future, and we reach out.","start":1918.235,"end":1930.02,"sentiment":"neutral","sentiment_score":0.2020615771985971},{"text":"And, you know, we've we still want to use our super to purchase, like, the investment.","start":1930.02,"end":1935.4,"sentiment":"neutral","sentiment_score":0.16746183997020125}],"sentiment":"neutral","sentiment_score":0.15899493412247725,"num_words":49,"start":1914.555,"end":1935.4},{"sentences":[{"text":"Like, can that be done?","start":1936.26,"end":1937.78,"sentiment":"neutral","sentiment_score":0.10775620043277741},{"text":"And then we can look at, like, property instead of, you know, there's no, like Okay.","start":1937.78,"end":1942.915,"sentiment":"neutral","sentiment_score":0.03453543898649514},{"text":"Can you hear there's a crossover or something or someone's?","start":1947.775,"end":1952.1951,"sentiment":"neutral","sentiment_score":-0.01970491399988532},{"text":"Yep.","start":1954.86,"end":1955.34,"sentiment":"neutral","sentiment_score":0.00515805184841156},{"text":"So can you hear did you hear what I just said?","start":1955.34,"end":1958.24,"sentiment":"neutral","sentiment_score":-0.02226028083400293}],"sentiment":"neutral","sentiment_score":0.015223112758682218,"num_words":43,"start":1936.26,"end":1958.24},{"sentences":[{"text":"Oh, Yeah.","start":1960.86,"end":1969.335,"sentiment":"neutral","sentiment_score":-0.04060680791735649},{"text":"Yeah.","start":1969.335,"end":1969.575,"sentiment":"neutral","sentiment_score":0.009233325719833374},{"text":"So I was just saying, like, because all this is with the self managed.","start":1969.575,"end":1973.9149,"sentiment":"neutral","sentiment_score":0.047431432242904394},{"text":"Like, we don't have to have a property first.","start":1973.975,"end":1979.735,"sentiment":"neutral","sentiment_score":0.019615524344974093},{"text":"Like, have a property in mind we wanna purchase to set this all up, can it be that we set it up first with the view of looking for an investment property?","start":1979.735,"end":1991.0599,"sentiment":"neutral","sentiment_score":0.10754818411078304}],"sentiment":"neutral","sentiment_score":0.07258864434371734,"num_words":58,"start":1960.86,"end":1991.0599},{"sentences":[{"text":"Because I feel that the time, you know, like, the timeline of setting it up and then getting the bank approval, all that stuff.","start":1991.12,"end":1999.325,"sentiment":"neutral","sentiment_score":0.049889850740631424},{"text":"Like, does that make sense?","start":1999.385,"end":2001.785,"sentiment":"neutral","sentiment_score":0.08885374367237091},{"text":"Like, I mean, like, with the self manage, I mean, you can you anyone can decide on that.","start":2001.785,"end":2007.945,"sentiment":"neutral","sentiment_score":0.1409011942644914},{"text":"It doesn't have to be self managed and that the reason for self managed is to buy a property.","start":2007.945,"end":2013.11,"sentiment":"neutral","sentiment_score":0.08439510433297408},{"text":"Is that correct?","start":2013.81,"end":2014.7101,"sentiment":"neutral","sentiment_score":0.10574409117301305}],"sentiment":"neutral","sentiment_score":0.0883853027354116,"num_words":69,"start":1991.12,"end":2014.7101},{"sentences":[{"text":"Like, you you can choose to go with a super or self managed.","start":2014.77,"end":2018.39,"sentiment":"neutral","sentiment_score":0.12859209856161705},{"text":"Mhmm.","start":2035.99,"end":2036.49,"sentiment":"neutral","sentiment_score":0.16674485802650452},{"text":"Mhmm.","start":2043.75,"end":2043.9099,"sentiment":"neutral","sentiment_score":0.08210102468729019},{"text":"Mhmm.","start":2043.9099,"end":2043.99,"sentiment":"neutral","sentiment_score":0.08492964506149292},{"text":"Yep.","start":2043.99,"end":2044.49,"sentiment":"neutral","sentiment_score":0.16715282201766968}],"sentiment":"neutral","sentiment_score":0.12780150771141052,"num_words":17,"start":2014.77,"end":2044.49},{"sentences":[{"text":"Yep.","start":2050.8699,"end":2051.3699,"sentiment":"neutral","sentiment_score":0.2169860303401947},{"text":"Yeah.","start":2066.055,"end":2066.555,"sentiment":"neutral","sentiment_score":0.08632847666740417},{"text":"Mhmm.","start":2066.7751,"end":2067.2751,"sentiment":"neutral","sentiment_score":-0.05929715931415558},{"text":"Mhmm.","start":2072.91,"end":2073.41,"sentiment":"neutral","sentiment_score":-0.08026894927024841},{"text":"Oh, it's because of the new changes.","start":2085.485,"end":2086.925,"sentiment":"neutral","sentiment_score":-0.1975734042269843}],"sentiment":"neutral","sentiment_score":-0.11084231192415411,"num_words":11,"start":2050.8699,"end":2086.925},{"sentences":[{"text":"Is that what you're saying?","start":2086.925,"end":2088.065,"sentiment":"neutral","sentiment_score":-0.10366190373897552},{"text":"Oh.","start":2089.485,"end":2089.985,"sentiment":"neutral","sentiment_score":-0.10580481588840485},{"text":"Oh, I see.","start":2098.18,"end":2099.16,"sentiment":"neutral","sentiment_score":-0.1752536098162333},{"text":"Oh, I I get it.","start":2102.02,"end":2103.3,"sentiment":"neutral","sentiment_score":-0.10410164296627045},{"text":"Yep.","start":2103.3,"end":2103.7,"sentiment":"neutral","sentiment_score":-0.06182067841291427}],"sentiment":"neutral","sentiment_score":-0.11548027048508326,"num_words":15,"start":2086.925,"end":2103.7},{"sentences":[{"text":"Sorry.","start":2103.7,"end":2104.02,"sentiment":"neutral","sentiment_score":-0.22622323036193848},{"text":"I missed that whole call.","start":2104.02,"end":2104.74,"sentiment":"neutral","sentiment_score":-0.31682340502738954},{"text":"Yeah.","start":2104.74,"end":2105.24,"sentiment":"neutral","sentiment_score":-0.21448449790477753},{"text":"Yeah.","start":2109.195,"end":2109.695,"sentiment":"neutral","sentiment_score":-0.07837261259555817},{"text":"Yep.","start":2110.875,"end":2111.375,"sentiment":"neutral","sentiment_score":-0.1066235825419426}],"sentiment":"neutral","sentiment_score":-0.24553566094901827,"num_words":9,"start":2103.7,"end":2111.375},{"sentences":[{"text":"Yep.","start":2113.7551,"end":2114.2551,"sentiment":"neutral","sentiment_score":-0.19204090535640717},{"text":"Yep.","start":2116.155,"end":2116.655,"sentiment":"neutral","sentiment_score":-0.2084439247846603},{"text":"That's not yeah.","start":2118.0752,"end":2119.915,"sentiment":"negative","sentiment_score":-0.40501925349235535},{"text":"Exactly.","start":2119.915,"end":2120.415,"sentiment":"neutral","sentiment_score":-0.08473502099514008},{"text":"No.","start":2120.475,"end":2120.975,"sentiment":"neutral","sentiment_score":-0.1898396909236908}],"sentiment":"neutral","sentiment_score":-0.27001675750528065,"num_words":7,"start":2113.7551,"end":2120.975},{"sentences":[{"text":"Okay.","start":2121.8699,"end":2122.2698,"sentiment":"neutral","sentiment_score":-0.09132131934165956},{"text":"Yeah.","start":2122.2698,"end":2122.5098,"sentiment":"neutral","sentiment_score":-0.0319824293255806},{"text":"Yeah.","start":2122.5098,"end":2122.75,"sentiment":"neutral","sentiment_score":0.05482441186904907},{"text":"I got it now.","start":2122.75,"end":2123.39,"sentiment":"neutral","sentiment_score":0.07513982616364956},{"text":"Yep.","start":2123.39,"end":2123.71,"sentiment":"neutral","sentiment_score":0.029321132227778435}],"sentiment":"neutral","sentiment_score":0.0326751375105232,"num_words":8,"start":2121.8699,"end":2123.71},{"sentences":[{"text":"Sorry.","start":2123.71,"end":2124.0298,"sentiment":"neutral","sentiment_score":-0.16037335991859436},{"text":"I totally did miss the whole, you know, part of time then.","start":2124.0298,"end":2127.5498,"sentiment":"neutral","sentiment_score":-0.2702396387855212},{"text":"Yeah.","start":2127.5498,"end":2127.71,"sentiment":"neutral","sentiment_score":-0.13533322513103485},{"text":"I didn't understand, but now understood.","start":2127.71,"end":2129.89,"sentiment":"neutral","sentiment_score":-0.20366235077381134},{"text":"Yep.","start":2130.43,"end":2130.93,"sentiment":"neutral","sentiment_score":0.001042477786540985}],"sentiment":"neutral","sentiment_score":-0.2266435179682005,"num_words":21,"start":2123.71,"end":2130.93},{"sentences":[{"text":"Yep.","start":2133.15,"end":2133.65,"sentiment":"neutral","sentiment_score":-0.012853491120040417},{"text":"Yep.","start":2134.99,"end":2135.295,"sentiment":"neutral","sentiment_score":-0.08749867975711823},{"text":"Yep.","start":2142.1748,"end":2142.6748,"sentiment":"neutral","sentiment_score":-0.32897281646728516},{"text":"Yep.","start":2144.375,"end":2144.875,"sentiment":"neutral","sentiment_score":-0.0211603119969368},{"text":"No.","start":2146.575,"end":2146.815,"sentiment":"neutral","sentiment_score":-0.08480998873710632}],"sentiment":"neutral","sentiment_score":-0.10705905761569738,"num_words":5,"start":2133.15,"end":2146.815},{"sentences":[{"text":"That's fine.","start":2146.815,"end":2147.635,"sentiment":"neutral","sentiment_score":0.029601676389575005},{"text":"Yep.","start":2164.1501,"end":2164.515,"sentiment":"positive","sentiment_score":0.4094751477241516},{"text":"Yeah.","start":2172.035,"end":2172.535,"sentiment":"neutral","sentiment_score":0.3142361640930176},{"text":"Yeah.","start":2174.755,"end":2175.255,"sentiment":"neutral","sentiment_score":0.2166485041379929},{"text":"Yep.","start":2184.05,"end":2184.21,"sentiment":"positive","sentiment_score":0.38620996475219727}],"sentiment":"neutral","sentiment_score":0.23096218891441822,"num_words":6,"start":2146.815,"end":2184.21},{"sentences":[{"text":"Nice.","start":2184.21,"end":2184.71,"sentiment":"positive","sentiment_score":0.5357431769371033},{"text":"Okay.","start":2185.09,"end":2185.59,"sentiment":"positive","sentiment_score":0.35043108463287354},{"text":"Good.","start":2187.73,"end":2188.23,"sentiment":"positive","sentiment_score":0.5605391263961792},{"text":"Yep.","start":2200.545,"end":2200.625,"sentiment":"neutral","sentiment_score":0.08111219853162766},{"text":"Yep.","start":2200.625,"end":2201.01,"sentiment":"neutral","sentiment_score":0.09064370393753052}],"sentiment":"neutral","sentiment_score":0.32369385808706286,"num_words":5,"start":2184.21,"end":2201.01},{"sentences":[{"text":"Mhmm.","start":2210.29,"end":2210.79,"sentiment":"neutral","sentiment_score":0.08764323592185974},{"text":"Mhmm.","start":2216.925,"end":2217.425,"sentiment":"neutral","sentiment_score":0.045140340924263},{"text":"Yep.","start":2222.0452,"end":2222.5452,"sentiment":"neutral","sentiment_score":0.05093195289373398},{"text":"Yep.","start":2225.965,"end":2226.0452,"sentiment":"neutral","sentiment_score":0.023983916267752647},{"text":"Mhmm.","start":2226.0452,"end":2226.5452,"sentiment":"neutral","sentiment_score":0.023162459954619408}],"sentiment":"neutral","sentiment_score":0.04617238119244575,"num_words":5,"start":2210.29,"end":2226.5452},{"sentences":[{"text":"Yep.","start":2231.77,"end":2232.27,"sentiment":"neutral","sentiment_score":0.05788331478834152},{"text":"Mhmm.","start":2233.77,"end":2234.27,"sentiment":"neutral","sentiment_score":0.024024449288845066},{"text":"Yep.","start":2236.41,"end":2236.91,"sentiment":"neutral","sentiment_score":0.04987538978457451},{"text":"Mhmm.","start":2246.0251,"end":2246.425,"sentiment":"neutral","sentiment_score":0.035865236073732376},{"text":"You wanna process today?","start":2246.425,"end":2247.965,"sentiment":"neutral","sentiment_score":0.05402089934796095}],"sentiment":"neutral","sentiment_score":0.04796649841591716,"num_words":8,"start":2231.77,"end":2247.965},{"sentences":[{"text":"Okay.","start":2248.825,"end":2249.225,"sentiment":"neutral","sentiment_score":0.04795881360769272},{"text":"How many?","start":2249.225,"end":2249.885,"sentiment":"neutral","sentiment_score":0.04751598183065653},{"text":"Yep.","start":2250.745,"end":2251.245,"sentiment":"neutral","sentiment_score":0.09002312272787094},{"text":"Mhmm.","start":2268.2898,"end":2268.7898,"sentiment":"neutral","sentiment_score":0.03727264329791069},{"text":"Mhmm.","start":2275.745,"end":2276.245,"sentiment":"neutral","sentiment_score":0.014183809980750084}],"sentiment":"neutral","sentiment_score":0.04741172554592291,"num_words":6,"start":2248.825,"end":2276.245},{"sentences":[{"text":"Mhmm.","start":2278.305,"end":2278.805,"sentiment":"neutral","sentiment_score":0.006528699770569801},{"text":"Mhmm.","start":2283.0251,"end":2283.5251,"sentiment":"neutral","sentiment_score":-0.023524262011051175},{"text":"Mhmm.","start":2285.72,"end":2286.22,"sentiment":"neutral","sentiment_score":0.0164242722094059},{"text":"Mhmm.","start":2294.1199,"end":2294.6199,"sentiment":"neutral","sentiment_score":-0.03194662183523178},{"text":"Mhmm.","start":2295.24,"end":2295.74,"sentiment":"neutral","sentiment_score":-0.1145068109035492}],"sentiment":"neutral","sentiment_score":-0.02940494455397129,"num_words":5,"start":2278.305,"end":2295.74},{"sentences":[{"text":"Mhmm.","start":2298.28,"end":2298.78,"sentiment":"neutral","sentiment_score":-0.10515578091144562},{"text":"Mhmm.","start":2303.585,"end":2304.085,"sentiment":"neutral","sentiment_score":-0.021191801875829697},{"text":"Yep.","start":2304.225,"end":2304.725,"sentiment":"neutral","sentiment_score":-0.020499370992183685},{"text":"Yeah.","start":2306.945,"end":2307.445,"sentiment":"neutral","sentiment_score":0.003331472165882587},{"text":"Mhmm.","start":2311.5051,"end":2312.0051,"sentiment":"neutral","sentiment_score":0.04996386170387268}],"sentiment":"neutral","sentiment_score":-0.018710323981940745,"num_words":5,"start":2298.28,"end":2312.0051},{"sentences":[{"text":"Yep.","start":2312.04,"end":2312.54,"sentiment":"neutral","sentiment_score":0.12556396424770355},{"text":"Yep.","start":2318.04,"end":2318.54,"sentiment":"neutral","sentiment_score":0.1477697193622589},{"text":"Yeah.","start":2324.84,"end":2325.34,"sentiment":"neutral","sentiment_score":0.26639091968536377},{"text":"Sounds good.","start":2325.6401,"end":2326.515,"sentiment":"positive","sentiment_score":0.4429332166910171},{"text":"Yep.","start":2329.075,"end":2329.575,"sentiment":"neutral","sentiment_score":0.12366561591625214}],"sentiment":"neutral","sentiment_score":0.2582094420989354,"num_words":6,"start":2312.04,"end":2329.575},{"sentences":[{"text":"Yep.","start":2335.2349,"end":2335.7349,"sentiment":"neutral","sentiment_score":0.06881804019212723},{"text":"Yep.","start":2335.9548,"end":2336.4548,"sentiment":"neutral","sentiment_score":0.03888889402151108},{"text":"Yeah.","start":2339.875,"end":2340.36,"sentiment":"neutral","sentiment_score":0.05169648677110672},{"text":"Mhmm.","start":2353.9602,"end":2354.2002,"sentiment":"neutral","sentiment_score":0.029634064063429832},{"text":"Yep.","start":2354.2002,"end":2354.7002,"sentiment":"neutral","sentiment_score":0.06234685704112053}],"sentiment":"neutral","sentiment_score":0.050276868417859076,"num_words":5,"start":2335.2349,"end":2354.7002},{"sentences":[{"text":"Yeah.","start":2358.665,"end":2359.165,"sentiment":"neutral","sentiment_score":0.23221173882484436},{"text":"Good.","start":2360.8252,"end":2361.3252,"sentiment":"positive","sentiment_score":0.4439302086830139},{"text":"Thank you so much.","start":2361.465,"end":2362.685,"sentiment":"positive","sentiment_score":0.5844631046056747},{"text":"Yeah.","start":2362.745,"end":2363.225,"sentiment":"neutral","sentiment_score":0.2845412790775299},{"text":"Thank you.","start":2363.225,"end":2363.965,"sentiment":"neutral","sentiment_score":0.3270885944366455}],"sentiment":"positive","sentiment_score":0.4391903148757087,"num_words":9,"start":2358.665,"end":2363.965},{"sentences":[{"text":"No.","start":2366.665,"end":2366.905,"sentiment":"neutral","sentiment_score":-0.16334035992622375},{"text":"Totally not.","start":2366.905,"end":2367.7852,"sentiment":"neutral","sentiment_score":-0.07433450035750866},{"text":"You've we've learned a lot, so that's the main aim.","start":2367.7852,"end":2370.3652,"sentiment":"neutral","sentiment_score":0.2790743365883827},{"text":"Nope.","start":2378.54,"end":2379.04,"sentiment":"neutral","sentiment_score":0.019343450665473935},{"text":"Everything's fine.","start":2379.5,"end":2380.48,"sentiment":"neutral","sentiment_score":0.20739345252513885}],"sentiment":"neutral","sentiment_score":0.1820540225598961,"num_words":16,"start":2366.665,"end":2380.48},{"sentences":[{"text":"Yeah.","start":2381.6602,"end":2382.1602,"sentiment":"neutral","sentiment_score":0.2311437427997589},{"text":"Yep.","start":2383.18,"end":2383.68,"sentiment":"neutral","sentiment_score":0.25615963339805603},{"text":"Yep.","start":2393.125,"end":2393.625,"sentiment":"neutral","sentiment_score":0.11716189235448836},{"text":"Yep.","start":2399.06,"end":2399.56,"sentiment":"neutral","sentiment_score":0.15333837270736694},{"text":"Yep.","start":2402.6602,"end":2403.1602,"sentiment":"positive","sentiment_score":0.33644622564315796}],"sentiment":"neutral","sentiment_score":0.21884997338056564,"num_words":5,"start":2381.6602,"end":2403.1602},{"sentences":[{"text":"Yep.","start":2410.02,"end":2410.1,"sentiment":"neutral","sentiment_score":0.24809113144874573},{"text":"Yep.","start":2410.1,"end":2410.6,"sentiment":"neutral","sentiment_score":0.27234914898872375},{"text":"Thank you so much for your time.","start":2410.825,"end":2412.605,"sentiment":"positive","sentiment_score":0.7810494303703308},{"text":"Thank you.","start":2412.665,"end":2413.405,"sentiment":"positive","sentiment_score":0.6505589187145233},{"text":"Alright.","start":2413.865,"end":2414.365,"sentiment":"neutral","sentiment_score":0.3308870792388916}],"sentiment":"positive","sentiment_score":0.6349826008081436,"num_words":12,"start":2410.02,"end":2414.365},{"sentences":[{"text":"Take care.","start":2414.425,"end":2415.165,"sentiment":"positive","sentiment_score":0.36440277099609375},{"text":"Take care.","start":2415.465,"end":2416.205,"sentiment":"neutral","sentiment_score":0.2569368705153465},{"text":"Yep.","start":2416.425,"end":2416.905,"sentiment":"neutral","sentiment_score":0.28459131717681885},{"text":"Bye.","start":2416.905,"end":2417.405,"sentiment":"positive","sentiment_score":0.3891841769218445},{"text":"Have a good day.","start":2417.545,"end":2418.345,"sentiment":"positive","sentiment_score":0.644054189324379}],"sentiment":"positive","sentiment_score":0.449267153441906,"num_words":10,"start":2414.425,"end":2418.345},{"sentences":[{"text":"You too.","start":2418.345,"end":2418.905,"sentiment":"positive","sentiment_score":0.397286131978035},{"text":"Bye.","start":2418.905,"end":2419.405,"sentiment":"neutral","sentiment_score":0.25835442543029785}],"sentiment":"positive","sentiment_score":0.35097556312878925,"num_words":3,"start":2418.345,"end":2419.405}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Fine.\n\nChannel 0: Good day, Pedro. Tommy here, senior adviser from. How are you going today?\n\nChannel 1: Yeah. Good, mate. Good.\n\nChannel 0: Hey.\n\nChannel 1: Good.\n\nChannel 0: Good\n\nChannel 1: Good.\n\nChannel 0: morning, Patrick. Good to hear. Good to hear. I'm just giving you a call to go through the property self managed super fund discussion with you and Viv. Are you still available?\n\nChannel 1: Yeah. Yeah. I just need to add her on.\n\nChannel 0: Yep. Mate, that's no worries at all. We're gonna go through some pretty specific details today. Are you okay for me to do that usual security check while you do that?\n\nChannel 1: Yep. Yep. That's fine.\n\nChannel 0: Yep. I just need you to confirm date of birth and address when you get it set.\n\nChannel 1: 10/31/1982, and it is 742 Slash 9 Rothschild Avenue in Roseberry.\n\nChannel 0: Mhmm. Sensational. And I'll do just quickly the same as Viv when she hops on as well.\n\nChannel 1: Yep. Alright. Give me a sec.\n\nChannel 0: No worries at all.\n\nChannel 1: Alright. I've got Vivian on the line. Hello?\n\nChannel 0: Perfect. Hi, Vivian. It's Tommy here. I'm the senior adviser at Oakview. How are you going today?\n\nChannel 1: Good. Thank you. Thanks for your time.\n\nChannel 0: No worries at all. I had a free hour before the end of the week, so why not fork legislation changes and all the fun of property and super?\n\nChannel 1: Yeah. Yeah. Yeah. Sure.\n\nChannel 0: Do you mind if I just quickly check security with you just because I'm gonna take\n\nChannel 1: Yep.\n\nChannel 0: into account your personal details too?\n\nChannel 1: Yep. Yep.\n\nChannel 0: So I just need your date of birth and address, please.\n\nChannel 1: Six of the second nineteen eighty four. My address is 7 oh god. 42 there. 742. Yes.\n\nSorry. July. And I have child of Roseberry.\n\nChannel 0: Perfect. Thank you so much for that. And just so you know who you were talking to, I'm registered with Asic as adviser 1273105, and all\n\nChannel 1: Mhmm.\n\nChannel 0: the recalls calls are recorded for training and quality purposes.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. Now so based on the notes, guys, bit of urgency here, I believe you guys have possibly found a property and are looking to purchase through Super. Is that right?\n\nChannel 1: Correct.\n\nChannel 0: Awesome. So couple of things I need to go through with you. I've already\n\nChannel 1: Yep.\n\nChannel 0: looked at both of your files\n\nChannel 1: Yeah.\n\nChannel 0: and had a bit of an idea and a few list of things I wanted to cover. But just let me know where you're up to at the moment. So you've found a property. Have you engaged with any accountants or brokers at the moment?\n\nChannel 1: No. No.\n\nChannel 0: No. No. I don't. Okay. Alrighty.\n\nCan you walk me through the property that you found just in terms of how much the the purchase price of the property?\n\nChannel 1: Yeah. So the purchase price is around 800.\n\nChannel 0: Yep.\n\nChannel 1: It's in Carlingford. It's an apartment. It'll be bought off the plan.\n\nChannel 0: Yep.\n\nChannel 1: And yeah. Basically, we're just looking at options. So, obviously, one of the options was to get to borrow from the bank. Another one was asking it was, like, a percent. They just needed 5%.\n\nOkay. It was, like, 5%. Yeah. They were only asking for 5% as opposed to what they would usually ask for. And, well, basically, we just wanted to navigate to see how possible it is for us.\n\nI mean, it it is a very good deal. We know the person through\n\nChannel 0: Yep.\n\nChannel 1: a close friend of ours. She's been doing this for a while, and the the opportunity was offered to us. And so, yeah, we just wanted want to see how possible is it? Should we, shouldn't we, risks, etcetera.\n\nChannel 0: Yep. Absolutely. So where I'll start with that is the 5% that you were just talking about, was that what you were thinking if you were purchasing it personally? Oh, for a deposit. Sorry.\n\nWas it a 5% deposit to purchase it directly?\n\nChannel 1: Correct.\n\nChannel 0: Yep. Okay. Cool. So when it comes to purchasing through super, I'll give you, I guess, in layman's terms how the structure works. Are you familiar at all with the structure of self managed super funds?\n\nChannel 1: No. Nothing.\n\nChannel 0: So I'll give you the full breakdown, and then we'll kind of step through pros, cons, and what's possible and what's not. So\n\nChannel 1: Yep.\n\nChannel 0: to create a super fund, you essentially need to create the entities that become that trustee, that become that fund. So you guys are with Hub. They are a trustee. You're gonna create one of those. So what that basically entails is you engage an accountant to create a trust fund and a trustee.\n\nSo usually, it's a company, a trust in a company that creates your entity of a super fund. With me so far? Yep. Now from that point, you do need to create another bear trust and bear trustee, which is to hold the loan. Because what they're banning at the moment after that forty five day cutoff is called LRBA, limited recourse borrowing arrangement.\n\nIn order to borrow money with your super, you need to go through this extra structure, which is basically another trust in another company holds the loan a little bit off to the side. So you have two trust funds and two companies. Does that make sense?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Cool. So that usually costs anywhere between, I guess, 2 and 5,000 through the super fund.\n\nChannel 1: Mhmm.\n\nChannel 0: I know some accountants like to charge you directly and you have to reimburse yourself, but some of them will let you just set it up. And then once it's all established, you can kind of just pay their invoices through Superfunds.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Cool. So you get your four entities set up. That's what the accountant does. Obviously, brokers to do lending. Normally,\n\nChannel 1: Mhmm.\n\nChannel 0: with Superfund lending, it used to be a 50% deposit, but these days, 20% is pretty good. And based on 800,000 and the balance that you guys have, which is about $3.75 combined, little bit in CareSuper, 20% deposit is not gonna be a problem for\n\nChannel 1: Right.\n\nChannel 0: you guys. K? Now I believe your incomes, you're both pretty well 6 figures in terms of income. I think combined household income's over 200\n\nChannel 1: Yep. Yep.\n\nChannel 0: thousand.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So in terms of serviceability, rather than going off, like, your direct income as if you were owning another property of loan, they're going off your super contributions and the rent in terms of cash flow and serviceability. So your employer contribution and the rent, that's what they take into account for the servicing of the loan. Does that make sense?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Cool. So on paper, the property purchase price, the funds that you've got, income and contributions that you've got, I don't see any problems with 800,000.\n\nChannel 1: Okay.\n\nChannel 0: K? Now in terms of the advice process for us to be involved, what we normally do past that point so let's say you've got the account set up your trust funds and companies. You've got all these entities. Now you have a super fund. You actually\n\nChannel 1: Mhmm.\n\nChannel 0: need the accounts to facilitate it. So what we do in our strategy is we recommend, like, a bank account so that the funds can come in and it can pay the loans and roll funds in from your super and pay for fees and premiums and contributions. The bank account kind of acts as that central hub for all the money to flow through.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Alongside that, we normally open, like, an investment account that mimics what your hub twenty four does so that all the funds can come in and buy the property. Anything that's not needed for the property, you can continue to invest that like you were doing for your super. So both can kind of grow in parallel. Does that make sense?\n\nChannel 1: Mhmm. Yep. Yep.\n\nChannel 0: Now at this point, because of the cost of the accountant so I usually estimate $5 for the entities. And the self managed super fund advice, we usually charge $4.09 5 o. So another $5 for the advice, the accounts, the strategy, the application, the rollovers, and so on. So that's about 10,000 upfront. And then you've got usually about 10 to 20, usually keep aside the things like stamp duty and usual borrowing costs when\n\nChannel 1: That's\n\nChannel 0: you get a\n\nChannel 1: right.\n\nChannel 0: property. Things you'd be familiar\n\nChannel 1: Yep.\n\nChannel 0: with.\n\nChannel 1: Yep.\n\nChannel 0: K? Now in terms of risk, so because of this cutoff period that we've got, because you're doing off plan,\n\nChannel 1: Yes.\n\nChannel 0: I'm assuming you're gonna be able to get a contract signed relatively quickly. Is that right? Yep. So that's not too much of a problem. For us, the accountants usually only take one to two weeks to set up all the entities, and we usually go about a fortnight to do the advice, start doing the application, open accounts, and the rollovers can take anywhere between one to three weeks.\n\nSo on face value, if we started this process with you guys on Monday, we would pretty much just get everything set up in time. The risk is if there's any delay that we wouldn't get the money rolled across and ready for the loan in time. The thing that I'm kind of concerned with at the moment, I've just been talking to all of our brokers in the network. There's about four or five. They're not actually sure whether the banks will continue to do the lending and applications all the way up until that forty fifth day.\n\nAnd if you've got the contract signed, there's no guarantee that they'll actually finalize the loan for you day 46, day 47. Like, let's say you submit it day 39, there's no guarantee they will honor the application and actually approve it after that date occurs on the August 7. K? So what I'm basically saying here is you're in an actual good financial position to do this through Super, but the risks are that if we don't get it all lined up in time in terms of the accounts, the entities, and the lending, is you may have gone through all of this to set it all up, pay all this money, and then you just missed out by four days.\n\nChannel 1: Okay. What can we do?\n\nChannel 0: So my my honest answer here is you're probably better off purchasing it directly than rather than through super. And if you're gonna go through the super outlet, say that you're adamant, no. We've got it here. We know it's financially viable. We're just gonna go ahead and get this done in time, is even potentially skip us altogether.\n\nChannel 1: Sorry. What's the last bit?\n\nChannel 0: Now so skip using our Q Financial altogether is an option that you do have. So for example, let's say you engage an accountant and set up all your entities, and then you just open up your own self managed super fund bank account with whichever bank owned by those entities, we can help you\n\nChannel 1: Yep.\n\nChannel 0: sell down funds and roll the funds across. But for us to step in and do the advice and tell you which providers to go with, that's gonna be the part that pushes you over that line and possibly gets you to miss out on that deal. So what you're gonna take into account, are you comfortable to try it yourself?\n\nChannel 1: If the deal can be extended, is is that what you're saying? Like, if we can get the deal to be extended to give us a bit more time, then then it will be okay?\n\nChannel 0: It's probably the opposite there, Viv, because if you getting the contract signed before that forty five day cutoff, that's the most important thing, and then it's making sure that you get the loan application approved in time.\n\nChannel 1: Right. Oh, okay. Because the setup and everything is eating into the time of the loan application, like, into the forty five\n\nChannel 0: Correct.\n\nChannel 1: days.\n\nChannel 0: So\n\nChannel 1: Right?\n\nChannel 0: if we try and go through our usual advice process, get you to sign your statements of advice, set up accounts and applications and everything, that might be three, four weeks down the line before we get all the funds rolled across if everything goes perfectly. Whereas technically, and I'm not telling you to do this, but if you engage that account and set everything up, you could literally go to the bank with all of your information and then just open up the bank account straight away within a couple of days.\n\nChannel 1: Okay.\n\nChannel 0: K. So I'm just giving you that option to say, like, you don't have to go the route that I'm saying. That's our standard process. The risk is that we miss it by a couple of days. If it's something that you're really set on pursuing yourself, you can do that.\n\nWe can help facilitate things like selling down your hub 24 so it's available to roll across quickly. But you just need a really good accountant who can actually set everything up and actually do the rollovers properly. What's been happening this year for me personally is I've gone through five self managed super fund setups. Three of them took about six to eight weeks. One of them took four months.\n\nOne of them took nine months. And that was just Superfunds being weird about details. The ACO taking its time to apply bank account details to allow rollovers. Whoever was typing in the details from the SuperStream system was typing in the wrong details of the fund, and then that was bouncing back. And then there's this troubleshooting of every single detail for the trust and the company and the accounts.\n\nYou've got to make sure you cross reference about 46 digits of data, essentially.\n\nChannel 1: So with the self managed, we also manage that ourselves. That's pretty much what it is about. Is that right? Like, if we\n\nChannel 0: Yeah.\n\nChannel 1: we\n\nChannel 0: So\n\nChannel 1: take everything out and then, obviously, we don't have any but then you you were talking about the investment, the hub, and all of that. That's because we're still linked to you guys as a self managed fund.\n\nChannel 0: Yeah.\n\nChannel 1: I'm\n\nChannel 0: That's\n\nChannel 1: not\n\nChannel 0: a\n\nChannel 1: I'm\n\nChannel 0: fantastic\n\nChannel 1: not\n\nChannel 0: question, and that's a great way\n\nChannel 1: yeah.\n\nChannel 0: to put it, this. So the ones that we're currently looking after at the moment is\n\nChannel 1: Yep.\n\nChannel 0: people have that bank account, that property, but then they've\n\nChannel 1: Yep.\n\nChannel 0: got, like, a hub or a Macquarie or some sort of investment account linked to it so that\n\nChannel 1: Yep.\n\nChannel 0: we can continue to invest funds and give them advice to help with the retirement goals.\n\nChannel 1: Right. So it's not entirely, you you know, us managing that. We still got, like, in that sense.\n\nChannel 0: Yeah. That's right. A\n\nChannel 1: So\n\nChannel 0: little bit of help in that sense. What comes down through for you personally that you have to do is every\n\nChannel 1: Mhmm.\n\nChannel 0: year, you'll do an audit of the super funds and a tax return for the super funds. So you'll go to an accountant, get all the reports printed out from your bank account and rental agents and everything, and you'll have to actually go through an audit process and tax return on a yearly basis to maintain that fund every year. I think it's about 2,200 a year that they charge most of the county.\n\nChannel 1: I see. Okay. Okay. Look, how do I have\n\nChannel 0: Yeah.\n\nChannel 1: to do this in the price? The the the only problem we consider we consider to buy using the super is because we don't have $40 to pull out of the air in order to pay that deposit,\n\nChannel 0: Yes.\n\nChannel 1: which which were they said was, like I I can't remember. Right? So what if we were to, like, completely I don't know. Do you guys help with refinancing?\n\nChannel 0: Yeah. I mean, we've got, like I said, five different brokers, and I usually do the, you know, general advice and the strategy side of things. And then it's just trying to link you up with the right people. I don't know\n\nChannel 1: Because\n\nChannel 0: if you guys just use your bank or\n\nChannel 1: yeah. Well, we the thing is, maybe that could be another option, like, refinance, borrow, and then just have a new plan in place. Does that is that something that would work? Like, so we can get, like, the deposit. Is it enough?\n\nI mean, we're still gonna have to borrow the value of the house? I don't know. I'm I'm really\n\nChannel 0: Yeah.\n\nChannel 1: a beginner in this.\n\nChannel 0: Have you guys ever had an investment property before?\n\nChannel 1: No. We we don't have any program. Very new to us, and we obviously want to\n\nChannel 0: Yep.\n\nChannel 1: to have our foot in the market. We just wanna know, like because obviously, you guys know about our financial I mean, our super. Right? That that numbers. And, like, we just want, like,\n\nChannel 0: Yeah.\n\nChannel 1: step by step running through what are our options and what would be the what yeah. For us to decide on which way would be good. Definitely, we we want we're renting at the moment. We're happy where we are. You know, we we don't wanna move somewhere far away from where we are.\n\nRight? And\n\nChannel 0: Yeah.\n\nChannel 1: so yeah. So yeah. We just want to know the option. You know, we we don't mind getting an investment if that's gonna help us in the future to, you know, borrow and buy or purchase our own place. So it doesn't have\n\nChannel 0: Yep.\n\nChannel 1: to be a a yeah. Move in. We just want to we just want something to own something.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Get to put in\n\nChannel 1: So\n\nChannel 0: the market and start, you know, building assets personally, I guess, is what you're trying to do. Right?\n\nChannel 1: yeah. Exactly. So it's just that we are obviously super rich, but not well, I wouldn't say rich, but, like, but, you know, like, with all our income, it's all expenses with rent and kids and all that stuff. So it's just very hard for us.\n\nChannel 0: Yeah.\n\nChannel 1: So what can we\n\nChannel 0: So\n\nChannel 1: do\n\nChannel 0: you don't have\n\nChannel 1: to\n\nChannel 0: that deposit built up at the moment or or property\n\nChannel 1: no.\n\nChannel 0: to borrow\n\nChannel 1: No.\n\nChannel 0: off?\n\nChannel 1: No. So and what's doable, what's not. You know, we just need that advice around what we have right now, what can be done, if we need to say, what what is our plan, that kind of thing. Because I think we both of us spoke differently to different advisers before about and then they did briefly talk about self manage and all of that stuff. But at that point in time, it was just because I was pregnant and all that and, you know, like, it was just a a lot to to take in.\n\nSo well, we're settled now. We've got two kids, so we just want to\n\nChannel 0: Yeah.\n\nChannel 1: do something right now. You know what I mean? So\n\nChannel 0: And the\n\nChannel 1: if\n\nChannel 0: cool\n\nChannel 1: if\n\nChannel 0: thing\n\nChannel 1: possible.\n\nChannel 0: too is now that you kind of settled, I have actually given you guys a dedicated adviser, Dana, who's gonna be looking after you as as a couple, and we're able to kind of look at you as a family unit to\n\nChannel 1: Mhmm.\n\nChannel 0: discuss and plan these joint goals rather\n\nChannel 1: Mhmm.\n\nChannel 0: than talking to different advisers, getting different opinions sort of thing.\n\nChannel 1: Totally. Yep. Yep.\n\nChannel 0: So that's gonna be really helpful because Dana's fantastic. She will go to the end of the year for her clients\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: all night, every night, and figure out everything that's possible. She's brilliant.\n\nChannel 1: Mhmm.\n\nChannel 0: Now when I look\n\nChannel 1: Yep.\n\nChannel 0: at you guys as a as a couple,\n\nChannel 1: Yep.\n\nChannel 0: would you would you say that you're kind of first home buyers if you guys owned a property before?\n\nChannel 1: Yeah. We're a first time buyers. Yeah. We will be first\n\nChannel 0: Yep.\n\nChannel 1: time buyers.\n\nChannel 0: So the good thing at\n\nChannel 1: Mhmm.\n\nChannel 0: least is that it's not the best legislation in the world, but there are those those rules now that people\n\nChannel 1: Mhmm.\n\nChannel 0: can do, like you said, the 5% deposit, and you get to skip the the LMI for not having a 20% deposit for your first time. So there's definitely things that the government's trying to do to give\n\nChannel 1: Yep.\n\nChannel 0: you guys access to it, and you've\n\nChannel 1: Yep.\n\nChannel 0: got good income. So at some point, you'll be able to get into it. It's\n\nChannel 1: Yep.\n\nChannel 0: about\n\nChannel 1: Yep.\n\nChannel 0: how and when.\n\nChannel 1: Exactly.\n\nChannel 0: Now one of the things that you can do is exactly what you said is, do you go for that first home that you own and and live in yourself and then an investment after that? Or do you get the investment first and then use that as a stepping stone to your own home?\n\nChannel 1: Yep.\n\nChannel 0: Now that property that you're looking at already for 800,000, that\n\nChannel 1: Yep.\n\nChannel 0: I'm assuming is it been recently built? It's pretty how long would that property be, the the apartment?\n\nChannel 1: It's it's brand new. It's it's It's a maritime complex that they're about to a new development area that maritime is putting\n\nChannel 0: Yep.\n\nChannel 1: up. And And they will finish the end of next year. So they're just getting people with who to buy and everything like that. So\n\nChannel 0: Okay. So I'm definitely gonna say a no on the self managed super route because if it's not finished yet, you may run into even more trouble where the lender just says, no. We're not gonna we're not gonna approve\n\nChannel 1: Got\n\nChannel 0: this\n\nChannel 1: it.\n\nChannel 0: application.\n\nChannel 1: Yeah.\n\nChannel 0: But there's a couple of cool things. So because it's new, you get to avoid all those issues of not having to not being able to do negative gearing and things like that because the government\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: wants it to be focused on new properties to get those\n\nChannel 1: Mhmm.\n\nChannel 0: benefits. So a new investment property or your own home, that's your best two options, and that's the route to go. Just to sort of take a step back in terms of a few basics of lending here. So when I got my investment property, we had paid down our mortgage a little bit. So we had a bit of equity, and we basically borrowed a bit off of that home to get the deposit for the next place.\n\nNow the way it kind of works is, let's say, I need a it's an $800,000 property, and I need a $200,000 deposit. So I'm borrowing 200 off my home so that goes up in my repayments increase. But then I only need 600 on the investment property\n\nChannel 1: Mhmm.\n\nChannel 0: to make the full 800,000. So, overall, you've got 800,000 in debt, but 200 you kind of got on your own home paying personally, 600 is on the property. Now what this\n\nChannel 1: Mhmm.\n\nChannel 0: kind of means is there's this really cool little trick I do where if you have an $800,000 property, if it's paying you 800 a week rent, that's a 5% rental return. Do you know how much that property would be renting for approximately? Is it $9,001,000,\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: something\n\nChannel 1: Yep.\n\nChannel 0: above there?\n\nChannel 1: Around the $9.09 50 mark.\n\nChannel 0: Yep. Yep. Yep. So anything above 800 a week, you're starting to go up to six or 7% rental return. And the reason why I say that is because the the interest rates these days, You're going to be paying that 6 or 7% interest rate for that loan.\n\nSo you wanna kind of make sure that it can kind of pay for itself to a degree and that you're\n\nChannel 1: Yep.\n\nChannel 0: not forking out $500 a week personally just to keep it running.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Right? So negative gearing is okay. Like, if it's a $100 that you're forking out for it and you get to claim some tax deductions, that's good. But, you\n\nChannel 1: Mhmm.\n\nChannel 0: know,\n\nChannel 1: Yep.\n\nChannel 0: you guys don't wanna buy an $800,000 property that costs you 400 a week on top\n\nChannel 1: Correct.\n\nChannel 0: of the rent that it brings in.\n\nChannel 1: Yeah.\n\nChannel 0: That's what puts people under very quickly.\n\nChannel 1: Yep.\n\nChannel 0: So $9.50 1,000 starts to get better because you're talking, let's say, 7% interest on a $600,000 loan, but a 7% return on 800,000. So you kind of take into account all your costs and repairs and agent fees. You're getting close to breaking even with that type of property. So I guess the the the problem that I've got though is if you guys don't have the cash available to the deposit, and like you said, you don't have any assets to borrow off at this point.\n\nChannel 1: Mhmm.\n\nChannel 0: So your main thing would be building up that cash buffer to either get your home or get the investment property. Either way is not a bad idea. Getting the investment property and then building wealth that way, rents vesting, it's not the worst idea, and buying your home and paying it off to the point to get the investment property is not a bad idea either. Both of them are good. You do just need a bit of cash behind you.\n\nChannel 1: Got it.\n\nChannel 0: K? Now just walk me through briefly as well. So in terms of your own cash flow, you've just gone through, like you said, the children. Everything's kind of more stable now. What's the budget looking like for you guys?\n\nAre you able to put aside a little bit that you know of on a weekly, fortnightly basis?\n\nChannel 1: No. Because our expenses is is very like, with the TRICARE and everything, it's it's quite expensive. So it's very\n\nChannel 0: Yeah.\n\nChannel 1: hard. We yeah. It's very hard for us to everything with everything rising, like, before we we could. You know? But right now, we're we're struggling a little bit with the the finances.\n\nJust\n\nChannel 0: And\n\nChannel 1: this\n\nChannel 0: can\n\nChannel 1: year\n\nChannel 0: I just\n\nChannel 1: that\n\nChannel 0: say\n\nChannel 1: we\n\nChannel 0: as\n\nChannel 1: we\n\nChannel 0: well just the most of the people I'm talking through this year, 80% of the people I've spoken to are in the same boat? I have a lot of families who have a combined income of 150 to 250,000. No one's able to save. No one's building deposits. People\n\nChannel 1: Yeah.\n\nChannel 0: are kind of just punching their budgets and going, like, what do I do? Do I get rid of the Netflix? So that's only 13\n\nChannel 1: Mhmm.\n\nChannel 0: dollars a month. That's not a deposit. If you looked at your budget, I would be I would kind of guess that you're not doing anything too majorly wrong. Like, I I haven't looked at it with you, and it's something\n\nChannel 1: Mhmm.\n\nChannel 0: that we\n\nChannel 1: Mhmm.\n\nChannel 0: do do. We do break down budgets with people and see if there is anything glaring that we can point out, but the whole country is kind of in that same boat.\n\nChannel 1: Yep.\n\nChannel 0: If you're not living in the cheapest suburb of Queensland or Western Australia or in the country of New South Wales areas, nobody in the major centers is actually getting ahead right now despite having that good,\n\nChannel 1: Mhmm.\n\nChannel 0: you know, dual\n\nChannel 1: Yeah.\n\nChannel 0: six\n\nChannel 1: Income.\n\nChannel 0: figure incomes.\n\nChannel 1: Yeah.\n\nChannel 0: So I guess it sounds kind of a a bit of defeatism to say like, oh, what can you do? You just kind of get stuck. But what\n\nChannel 1: Yeah.\n\nChannel 0: I've been telling people that this is usually temporary to the point where we go through these periods where the majority\n\nChannel 1: Mhmm.\n\nChannel 0: of our generation kind of struggle for that decade, whether it's a recession or or a depression or something\n\nChannel 1: Mhmm.\n\nChannel 0: like that, but it never lasts thirty, forty, fifty years. Not that you have to wait thirty years to get your first property, but I'm just saying\n\nChannel 1: Yep.\n\nChannel 0: that, like, just take some heart in the fact that you're not doing something astronomically wrong and everyone else is having a great time. It's like we're all kind of in the same boat.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Even myself. So I've got investments. I've got investment properties, good income, free children, and so on. We're kind of just been in the holding pattern for two years now where we're just trying to keep things moving because everything's gone up.\n\nThe the groceries is $3.04, 500 a week. The\n\nChannel 1: Yeah. It's\n\nChannel 0: electricity\n\nChannel 1: crazy.\n\nChannel 0: is a thousand\n\nChannel 1: Yep.\n\nChannel 0: a quarter, but we've got solar and it's just like everywhere I look, there's just money flooding out for everything under the sun.\n\nChannel 1: Yep.\n\nChannel 0: So one thing that definitely budget assistance, we can send\n\nChannel 1: Yep.\n\nChannel 0: through a budget planner, fill that in. If there's anything that I can notice with Dana that's glaringly obvious, we'll let you know.\n\nChannel 1: Mhmm.\n\nChannel 0: Outside of\n\nChannel 1: Yep.\n\nChannel 0: that, when we can get some cash built up, we've got all the brokers that can get you the best best loans, best structures for you guys, whether it's your own home or an investment.\n\nChannel 1: Yep.\n\nChannel 0: We've got the professional network available for you guys.\n\nChannel 1: Mhmm. Yep. Sure.\n\nChannel 0: Just to kind of cycle back to the start of the conversation, I don't think you should put yourself through the stress of trying\n\nChannel 1: Mhmm.\n\nChannel 0: to set up a a super fund to buy a property right now because it's stressful enough normally, and I've been doing it for twelve years now. SMSFs are quite stressful to to set up and also run.\n\nChannel 1: Mhmm.\n\nChannel 0: And this cutoff period where if we start on Monday, we've got thirty nine days, I've never seen anything like it before.\n\nChannel 1: Mhmm. No. That's good\n\nChannel 0: So\n\nChannel 1: advice.\n\nChannel 0: I'm\n\nChannel 1: Yep.\n\nChannel 0: at that point where I would love to say, yeah. We'll charge you some money, and we'll set this up, and I'll promise you everything under the sun. But for everything\n\nChannel 1: Yep.\n\nChannel 0: to line up between the broker, the accountants, the banks, the advisers, the application, the accounts, something's gonna go wrong. Something's gonna delay it for a week. It happens every day.\n\nChannel 1: Yeah.\n\nChannel 0: You know what I mean?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. So if you're comfortable, I I wish I could just hop on this call and just give you quick easy answers and be like, yep. You're gonna have a property in your super tomorrow and another one to live in a year later. We have to go through this sort of slow twelve to twenty four month period of either being very, very deliberate about what we do with every dollar or just waiting for things to kind of ease up a little bit when the\n\nChannel 1: Mhmm.\n\nChannel 0: economy\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: comes down.\n\nChannel 1: Mhmm.\n\nChannel 0: K?\n\nChannel 1: Yep.\n\nChannel 0: Would you guys like me to send through a bit of a budget planner, get Dana to kind of break it down with you and kind of see if we can notice anything, or do you feel pretty confident with your own cash flow?\n\nChannel 1: I don't mind you sending it through just for us to have a look. The other thing is, like, you know, I do take your advice and, you know, we really need to sit, you know, well, my husband and I, not you, to sit down and and and go through what, you know, our, you know, our cash flows and and what we can cut out and save and all that stuff. And it's good to hear that people are also struggling. It's just not us. We're not the the only one.\n\nYou know? So yeah. And like you said, you know, I think it's gonna be, you know, another eighteen, twenty four months for that to to kind of settle it or whatnot and and for us to change our financial circumstances, and then we can discuss again. But definitely, I agree. Like, this whole, you know, self manage, it's confusing as it is.\n\nAnd all all the rush is not worth it. And, yeah, it's not advisable. So we won't proceed on\n\nChannel 0: Yeah.\n\nChannel 1: with that. We just keep as is and, you know, just look at look at everything properly again.\n\nChannel 0: Yeah. And look, I've got these clients at the moment who are exactly like you guys in a similar position. And I've already been on the phone three times today to a buyer's agent, a broker, and an accountant for them. And they have four professionals working on a daily basis to try and get theirs done. And like I said, it's been taking months.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: they're having to put in a lot of time on a daily basis to forward documents around, sign documents, do phone calls, make decisions, and it's been quite an ordeal for them despite our expertise in making it as smooth as possible.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: But\n\nChannel 1: So do\n\nChannel 0: one\n\nChannel 1: you\n\nChannel 0: thing too\n\nChannel 1: sorry.\n\nChannel 0: is like\n\nChannel 1: Yeah. Go on.\n\nChannel 0: yeah.\n\nChannel 1: So\n\nChannel 0: You go for it.\n\nChannel 1: I was just saying, like, you know, let's just say that we we are financially, you know, better in the future, and we reach out. And, you know, we've we still want to use our super to purchase, like, the investment. Like, can that be done? And then we can look at, like, property instead of, you know, there's no, like Okay. Can you hear there's a crossover or something or\n\nChannel 0: Yeah.\n\nChannel 1: someone's?\n\nChannel 0: Sorry. It just cut out for a few seconds there.\n\nChannel 1: Yep. So can you hear did you hear what\n\nChannel 0: I\n\nChannel 1: I just\n\nChannel 0: do\n\nChannel 1: said?\n\nChannel 0: have you back. No. I just heard the part where\n\nChannel 1: Oh,\n\nChannel 0: you were saying about if things are going to be better in twelve to twenty four months time, can we look at the super fan and then it kind of cut out.\n\nChannel 1: Yeah. Yeah. So I was just saying, like, because all this is with the self managed. Like, we don't have to have a property first. Like, have a property in mind we wanna purchase to set this all up, can it be that we set it up first with the view of looking for an investment property?\n\nBecause I feel that the time, you know, like, the timeline of setting it up and then getting the bank approval, all that stuff. Like, does that make sense? Like, I mean, like, with the self manage, I mean, you can you anyone can decide on that. It doesn't have to be self managed and that the reason for self managed is to buy a property. Is that correct?\n\nLike, you you\n\nChannel 0: Yeah.\n\nChannel 1: can choose to go\n\nChannel 0: So\n\nChannel 1: with a super or self managed.\n\nChannel 0: yeah. Correct. So a couple of things I'd say to that is when you have a self managed super fund, people do it for different reasons. Some people do it to borrow for a property. Some people just want a really specific investment.\n\nLike, I've seen people buy a bunch of gold bullion and put it in the safe, and\n\nChannel 1: Mhmm.\n\nChannel 0: creating your own super fund allows you to do the unorthodox things outside of what a regular fund allows.\n\nChannel 1: Mhmm. Mhmm. Yep.\n\nChannel 0: The other thing is that your, you know, your hub 24 and and these sorts of super funds, they can\n\nChannel 1: Yep.\n\nChannel 0: invest you into pretty much any type of asset. We've got property investments and gold and shares and all these kinds of things. So it's not a problem to actually do all kinds of different investments and get a really good portfolio.\n\nChannel 1: Yeah.\n\nChannel 0: But the one\n\nChannel 1: Mhmm.\n\nChannel 0: problem that you've got with what you mentioned is let's say you set up that self managed super fund.\n\nChannel 1: Mhmm.\n\nChannel 0: Once that cutoff happens on the August 7, no one will be allowed to borrow money to purchase that residential investment property anymore.\n\nChannel 1: Oh, it's because of the new changes. Is that\n\nChannel 0: So\n\nChannel 1: what you're saying?\n\nChannel 0: yeah. So\n\nChannel 1: Oh.\n\nChannel 0: as soon as that August 7 happens, they are banning borrowing off of your super to purchase a residential investment property. And if it's not\n\nChannel 1: Oh,\n\nChannel 0: in\n\nChannel 1: I\n\nChannel 0: by\n\nChannel 1: see.\n\nChannel 0: then, it's no longer available.\n\nChannel 1: Oh, I I get it. Yep. Sorry. I missed that whole call. Yeah.\n\nChannel 0: So that's why I was worried saying, if we were to go through all this and you spend 10,000\n\nChannel 1: Yeah.\n\nChannel 0: dollars of your super to set everything\n\nChannel 1: Yep.\n\nChannel 0: up, and then it's like, oh, you missed it by two days, better, like,\n\nChannel 1: Yep.\n\nChannel 0: close it all down and start again. You\n\nChannel 1: Yep.\n\nChannel 0: just lost $10 and\n\nChannel 1: That's\n\nChannel 0: a month's\n\nChannel 1: not\n\nChannel 0: work.\n\nChannel 1: yeah. Exactly. No. Okay. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I got it now. Yep. Sorry. I totally did miss the whole, you know, part of time then.\n\nYeah. I didn't understand, but now\n\nChannel 0: No. You're\n\nChannel 1: understood.\n\nChannel 0: okay. It is\n\nChannel 1: Yep.\n\nChannel 0: it's a lot of wrap your mind around, especially at\n\nChannel 1: Yep.\n\nChannel 0: the first time. It's\n\nChannel 1: Yep.\n\nChannel 0: complicated enough as it is to understand verbally, and normally I send through flowcharts and things like that as well, but the legislation\n\nChannel 1: Yep.\n\nChannel 0: just makes it more difficult.\n\nChannel 1: Yep.\n\nChannel 0: One of the things\n\nChannel 1: No.\n\nChannel 0: I\n\nChannel 1: That's\n\nChannel 0: would say\n\nChannel 1: fine.\n\nChannel 0: though as well is that we're not just like the superannuation guys. If we get to that review in twelve months time and there's other things for us to help you with, Dana and myself and the team, we're gonna coach you through it. We're gonna get you in touch with the right people. We want\n\nChannel 1: Yep.\n\nChannel 0: everybody to progress through those life stages into those different goals to get the home and the investments and build your wealth and\n\nChannel 1: Yeah.\n\nChannel 0: branch out into whatever you're comfortable doing.\n\nChannel 1: Yeah.\n\nChannel 0: We just start off with that basis of, you know, superannuation and so on, but we're there alongside you guys the entire time.\n\nChannel 1: Yep. Nice. Okay.\n\nChannel 0: Okay? So\n\nChannel 1: Good.\n\nChannel 0: anytime you need a chat, book in to have a chat, and we'll kind of coach you through it. One thing as a bit of a bit of homework, you did mention that you and you guys need to sit down to talk through your finances a little bit.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And one thing if you can do it, I don't know if you've done it before. It's a really good way to just flag if there is an issue or not, is\n\nChannel 1: Mhmm.\n\nChannel 0: just sit down with Pedro sometime and work out of all the things that you spend money on. How\n\nChannel 1: Mhmm.\n\nChannel 0: much would you categorize as, like, living expenses, like rent and electricity\n\nChannel 1: Yep.\n\nChannel 0: and and those fuel and all those must haves? Put\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: that in a category, then put in your, I guess, your splurging. How much do you spend on the\n\nChannel 1: Yep.\n\nChannel 0: coffee at the shops and buying\n\nChannel 1: Mhmm.\n\nChannel 0: alcohol and going to the movies?\n\nChannel 1: Yep.\n\nChannel 0: That's your splurge category. Then you've got long term stuff. How much are you putting aside to pay for holidays and and the larger things\n\nChannel 1: Mhmm.\n\nChannel 0: of life,\n\nChannel 1: You wanna\n\nChannel 0: and then\n\nChannel 1: process\n\nChannel 0: how much can\n\nChannel 1: today?\n\nChannel 0: you actually save?\n\nChannel 1: Okay. How many? Yep.\n\nChannel 0: What this does is if you do that as a percentage of your income, usually, you wanna aim for about no more than 60% of your income going to expenses and no more than 10% of your income going towards just splurging money on this, that, and the other.\n\nChannel 1: Mhmm.\n\nChannel 0: So if your expenses end up being 75% of your income, well, that's the area to focus on. Right? It's either\n\nChannel 1: Mhmm.\n\nChannel 0: how do we get our expenses down or our income\n\nChannel 1: Mhmm.\n\nChannel 0: up. And then if the splurge is the quarter of what you earn, then that's\n\nChannel 1: Mhmm.\n\nChannel 0: what you look at for cutting and so on.\n\nChannel 1: Mhmm.\n\nChannel 0: So the first thing you do is just get a lay of the land and go, okay. This is all must have absolutely necessary expenses.\n\nChannel 1: Mhmm.\n\nChannel 0: This is\n\nChannel 1: Mhmm.\n\nChannel 0: all the the sort of crap, so I'm sorry to say, that\n\nChannel 1: Mhmm.\n\nChannel 0: we're spending on. Let's percentage it on our incomes as a common combination,\n\nChannel 1: Mhmm.\n\nChannel 0: and then\n\nChannel 1: Yep.\n\nChannel 0: just see where the red flag is. 60\n\nChannel 1: Yeah.\n\nChannel 0: percent, 10%, 10%, 20% for expenses,\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: splurging, long term, fun, and savings is the goal.\n\nChannel 1: Yep.\n\nChannel 0: And you can see very quickly where you guys are are spending the money.\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: And so I'll include that in an email, and I'll send through,\n\nChannel 1: Yep.\n\nChannel 0: like, the budget spreadsheet and just a bit of a a bit of a shortcut breakdown for it.\n\nChannel 1: Yep.\n\nChannel 0: But at\n\nChannel 1: Yep.\n\nChannel 0: any point, that's probably your next step is just to sit down and go through it.\n\nChannel 1: Yeah.\n\nChannel 0: You don't have to do it very often because if you do identify some things to change, you still need to kind of give it a go for a few months and then adjust from there because no one's perfect with budgeting those first three months.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: It usually takes a couple of years of refining it, if that makes sense.\n\nChannel 1: Yeah. Good. Thank\n\nChannel 0: Okay.\n\nChannel 1: you so much.\n\nChannel 0: Now\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: I hope that's been helpful, guys. I'm sorry I couldn't give you some easy\n\nChannel 1: No.\n\nChannel 0: answers\n\nChannel 1: Totally\n\nChannel 0: today.\n\nChannel 1: not. You've we've learned a lot, so that's the main aim.\n\nChannel 0: Awesome. I'm glad. Do you have the questions you've got me that I haven't covered off on?\n\nChannel 1: Nope. Everything's fine. Yeah. Yep.\n\nChannel 0: Absolutely. Like I said, Dana is your dedicated adviser. I'm here to assist you, and so is Larissa, our head of advice. If\n\nChannel 1: Yep.\n\nChannel 0: at any point you would like to speak to someone, please just call the team and book in with Dana or ourselves.\n\nChannel 1: Yep.\n\nChannel 0: And like I said, I'll try and email you probably Monday, Tuesday.\n\nChannel 1: Yep.\n\nChannel 0: And, hopefully, every year, we get a few good wins under the belt, and you guys are in a great position in five years' time.\n\nChannel 1: Yep. Yep. Thank you so much for your time. Thank you. Alright.\n\nTake care.\n\nChannel 0: You guys are\n\nChannel 1: Take\n\nChannel 0: most\n\nChannel 1: care.\n\nChannel 0: welcome.\n\nChannel 1: Yep.\n\nChannel 0: Have\n\nChannel 1: Bye.\n\nChannel 0: a great\n\nChannel 1: Have a good day. You too. Bye.\n\nChannel 0: weekend. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Fine.","start":0.0,"end":0.5,"sentiment":"positive","sentiment_score":0.3614251315593719}],"sentiment":"positive","sentiment_score":0.3614251315593719,"channel":1,"num_words":1,"start":0.0,"end":0.5},{"sentences":[{"text":"Good day, Pedro.","start":2.8,"end":3.6799998,"sentiment":"positive","sentiment_score":0.5086976885795593},{"text":"Tommy here, senior adviser from.","start":3.6799998,"end":5.38,"sentiment":"positive","sentiment_score":0.33575503826141356},{"text":"How are you going today?","start":5.52,"end":6.66,"sentiment":"positive","sentiment_score":0.3592680513858795}],"sentiment":"positive","sentiment_score":0.38470834722885716,"channel":0,"num_words":13,"start":2.8,"end":6.66},{"sentences":[{"text":"Yeah.","start":7.2,"end":7.52,"sentiment":"neutral","sentiment_score":0.28411078453063965},{"text":"Good, mate.","start":7.52,"end":8.0,"sentiment":"positive","sentiment_score":0.4763403534889221},{"text":"Good.","start":8.0,"end":8.16,"sentiment":"positive","sentiment_score":0.5146170854568481}],"sentiment":"positive","sentiment_score":0.437852144241333,"channel":1,"num_words":4,"start":7.2,"end":8.16},{"sentences":[{"text":"Hey.","start":8.0,"end":8.24,"sentiment":"positive","sentiment_score":0.37213194370269775}],"sentiment":"positive","sentiment_score":0.37213194370269775,"channel":0,"num_words":1,"start":8.0,"end":8.24},{"sentences":[{"text":"Good.","start":8.16,"end":8.32,"sentiment":"positive","sentiment_score":0.5208474397659302}],"sentiment":"positive","sentiment_score":0.5208474397659302,"channel":1,"num_words":1,"start":8.16,"end":8.32},{"sentences":[{"text":"Good","start":8.24,"end":8.4,"sentiment":"positive","sentiment_score":0.5424416661262512}],"sentiment":"positive","sentiment_score":0.5424416661262512,"channel":0,"num_words":1,"start":8.24,"end":8.4},{"sentences":[{"text":"Good.","start":8.32,"end":8.82,"sentiment":"positive","sentiment_score":0.597017765045166}],"sentiment":"positive","sentiment_score":0.597017765045166,"channel":1,"num_words":1,"start":8.32,"end":8.82},{"sentences":[{"text":"morning, Patrick.","start":8.4,"end":9.22,"sentiment":"positive","sentiment_score":0.49785324931144714},{"text":"Good to hear.","start":9.5199995,"end":10.0,"sentiment":"positive","sentiment_score":0.6429755687713623},{"text":"Good to hear.","start":10.0,"end":10.48,"sentiment":"positive","sentiment_score":0.5549193223317465},{"text":"I'm just giving you a call to go through the property self managed super fund discussion with you and Viv.","start":10.48,"end":16.985,"sentiment":"neutral","sentiment_score":0.17200362496078014},{"text":"Are you still available?","start":16.985,"end":17.965,"sentiment":"neutral","sentiment_score":0.04451639112085104}],"sentiment":"neutral","sentiment_score":0.25648528861347586,"channel":0,"num_words":32,"start":8.4,"end":17.965},{"sentences":[{"text":"Yeah.","start":18.815,"end":19.055,"sentiment":"neutral","sentiment_score":0.027831943705677983},{"text":"Yeah.","start":19.055,"end":19.375,"sentiment":"neutral","sentiment_score":0.027997620403766632},{"text":"I just need to add her on.","start":19.375,"end":21.075,"sentiment":"neutral","sentiment_score":0.029585760618959154}],"sentiment":"neutral","sentiment_score":0.029214432049128745,"channel":1,"num_words":9,"start":18.815,"end":21.075},{"sentences":[{"text":"Yep.","start":21.785,"end":22.285,"sentiment":"neutral","sentiment_score":0.13104590773582458},{"text":"Mate, that's no worries at all.","start":22.505001,"end":24.205,"sentiment":"neutral","sentiment_score":0.21574856340885162},{"text":"We're gonna go through some pretty specific details today.","start":24.744999,"end":28.28,"sentiment":"neutral","sentiment_score":0.14793970932563147},{"text":"Are you okay for me to do that usual security check while you do that?","start":28.28,"end":31.26,"sentiment":"neutral","sentiment_score":0.06315257251262665}],"sentiment":"neutral","sentiment_score":0.11949300838093604,"channel":0,"num_words":31,"start":21.785,"end":31.26},{"sentences":[{"text":"Yep.","start":32.510002,"end":32.75,"sentiment":"neutral","sentiment_score":0.0616459995508194},{"text":"Yep.","start":32.75,"end":32.99,"sentiment":"neutral","sentiment_score":0.08407104015350342},{"text":"That's fine.","start":32.99,"end":33.73,"sentiment":"neutral","sentiment_score":0.21090228855609897}],"sentiment":"neutral","sentiment_score":0.14188040420413017,"channel":1,"num_words":4,"start":32.510002,"end":33.73},{"sentences":[{"text":"Yep.","start":34.28,"end":34.52,"sentiment":"neutral","sentiment_score":0.11685117334127426},{"text":"I just need you to confirm date of birth and address when you get it set.","start":34.52,"end":37.82,"sentiment":"neutral","sentiment_score":0.0682962816208601}],"sentiment":"neutral","sentiment_score":0.07115245172206093,"channel":0,"num_words":17,"start":34.28,"end":37.82},{"sentences":[{"text":"10/31/1982, and it is 742 Slash 9 Rothschild Avenue in Roseberry.","start":38.67,"end":45.225,"sentiment":"neutral","sentiment_score":0.04172958755357699}],"sentiment":"neutral","sentiment_score":0.04172958755357699,"channel":1,"num_words":11,"start":38.67,"end":45.225},{"sentences":[{"text":"Mhmm.","start":45.734997,"end":46.054996,"sentiment":"neutral","sentiment_score":0.040441036224365234},{"text":"Sensational.","start":46.054996,"end":46.554996,"sentiment":"neutral","sentiment_score":0.05846000835299492},{"text":"And I'll do just quickly the same as Viv when she hops on as well.","start":46.774998,"end":50.074997,"sentiment":"neutral","sentiment_score":0.0826088105638822}],"sentiment":"neutral","sentiment_score":0.07870783547268194,"channel":0,"num_words":17,"start":45.734997,"end":50.074997},{"sentences":[{"text":"Yep.","start":49.844997,"end":50.164997,"sentiment":"neutral","sentiment_score":0.054048217833042145},{"text":"Alright.","start":50.164997,"end":50.485,"sentiment":"neutral","sentiment_score":0.06849394738674164},{"text":"Give me a sec.","start":50.485,"end":51.385,"sentiment":"neutral","sentiment_score":0.04957559145987034}],"sentiment":"neutral","sentiment_score":0.053474088509877525,"channel":1,"num_words":6,"start":49.844997,"end":51.385},{"sentences":[{"text":"No worries at all.","start":52.15,"end":53.210003,"sentiment":"neutral","sentiment_score":0.07105263974517584}],"sentiment":"neutral","sentiment_score":0.07105263974517584,"channel":0,"num_words":4,"start":52.15,"end":53.210003},{"sentences":[{"text":"Alright.","start":76.865005,"end":77.345,"sentiment":"neutral","sentiment_score":0.11606341600418092},{"text":"I've got Vivian on the line.","start":77.345,"end":78.805,"sentiment":"neutral","sentiment_score":0.1196748452881972},{"text":"Hello?","start":79.265,"end":79.765,"sentiment":"neutral","sentiment_score":0.10753363370895386}],"sentiment":"neutral","sentiment_score":0.11770576518028975,"channel":1,"num_words":8,"start":76.865005,"end":79.765},{"sentences":[{"text":"Perfect.","start":79.9,"end":80.4,"sentiment":"positive","sentiment_score":0.34970539808273315},{"text":"Hi, Vivian.","start":80.54,"end":81.18,"sentiment":"neutral","sentiment_score":0.20195281505584717},{"text":"It's Tommy here.","start":81.18,"end":81.98,"sentiment":"neutral","sentiment_score":0.1542157232761383},{"text":"I'm the senior adviser at Oakview.","start":81.98,"end":83.42,"sentiment":"neutral","sentiment_score":0.1551928917566935},{"text":"How are you going today?","start":83.42,"end":84.4,"sentiment":"neutral","sentiment_score":0.23648640513420105}],"sentiment":"neutral","sentiment_score":0.19587338671964757,"channel":0,"num_words":17,"start":79.9,"end":84.4},{"sentences":[{"text":"Good.","start":84.659996,"end":85.06,"sentiment":"positive","sentiment_score":0.37619784474372864},{"text":"Thank you.","start":85.06,"end":85.619995,"sentiment":"positive","sentiment_score":0.5205793231725693},{"text":"Thanks for your time.","start":85.619995,"end":86.84,"sentiment":"positive","sentiment_score":0.5707330256700516}],"sentiment":"positive","sentiment_score":0.5286126562527248,"channel":1,"num_words":7,"start":84.659996,"end":86.84},{"sentences":[{"text":"No worries at all.","start":87.515,"end":88.795,"sentiment":"neutral","sentiment_score":0.08948360197246075},{"text":"I had a free hour before the end of the week, so why not fork legislation changes and all the fun of property and super?","start":88.795,"end":96.495,"sentiment":"neutral","sentiment_score":0.059441728442907335}],"sentiment":"neutral","sentiment_score":0.06358543513663883,"channel":0,"num_words":29,"start":87.515,"end":96.495},{"sentences":[{"text":"Yeah.","start":96.295006,"end":96.795006,"sentiment":"neutral","sentiment_score":0.03417050838470459},{"text":"Yeah.","start":96.855,"end":97.255005,"sentiment":"neutral","sentiment_score":0.03586282581090927},{"text":"Yeah.","start":97.255005,"end":97.495,"sentiment":"neutral","sentiment_score":0.04753421992063522},{"text":"Sure.","start":97.495,"end":97.995,"sentiment":"neutral","sentiment_score":0.05192572623491287}],"sentiment":"neutral","sentiment_score":0.04237332008779049,"channel":1,"num_words":4,"start":96.295006,"end":97.995},{"sentences":[{"text":"Do you mind if I just quickly check security with you just because I'm gonna take","start":97.915,"end":101.759995,"sentiment":"neutral","sentiment_score":0.02585186413489282}],"sentiment":"neutral","sentiment_score":0.02585186413489282,"channel":0,"num_words":16,"start":97.915,"end":101.759995},{"sentences":[{"text":"Yep.","start":101.575005,"end":102.075005,"sentiment":"neutral","sentiment_score":0.029831325635313988}],"sentiment":"neutral","sentiment_score":0.029831325635313988,"channel":1,"num_words":1,"start":101.575005,"end":102.075005},{"sentences":[{"text":"into account your personal details too?","start":101.759995,"end":103.85999,"sentiment":"neutral","sentiment_score":0.04273800986508528}],"sentiment":"neutral","sentiment_score":0.04273800986508528,"channel":0,"num_words":6,"start":101.759995,"end":103.85999},{"sentences":[{"text":"Yep.","start":103.655,"end":104.155,"sentiment":"neutral","sentiment_score":0.01482916809618473},{"text":"Yep.","start":104.375,"end":104.875,"sentiment":"neutral","sentiment_score":0.01622971147298813}],"sentiment":"neutral","sentiment_score":0.01552943978458643,"channel":1,"num_words":2,"start":103.655,"end":104.875},{"sentences":[{"text":"So I just need your date of birth and address, please.","start":104.799995,"end":107.619995,"sentiment":"neutral","sentiment_score":0.016887798990038307}],"sentiment":"neutral","sentiment_score":0.016887798990038307,"channel":0,"num_words":11,"start":104.799995,"end":107.619995},{"sentences":[{"text":"Six of the second nineteen eighty four.","start":108.0,"end":109.840004,"sentiment":"neutral","sentiment_score":0.009049014454441411},{"text":"My address is 7 oh god.","start":109.840004,"end":113.3,"sentiment":"neutral","sentiment_score":0.0048616814116636915},{"text":"42 there.","start":113.76,"end":114.96,"sentiment":"neutral","sentiment_score":0.004148819018155336},{"text":"742.","start":114.96,"end":115.840004,"sentiment":"neutral","sentiment_score":0.0059286002069711685},{"text":"Yes.","start":115.840004,"end":116.16,"sentiment":"neutral","sentiment_score":0.015667680650949478}],"sentiment":"neutral","sentiment_score":0.007200418149723727,"channel":1,"num_words":17,"start":108.0,"end":116.16},{"sentences":[{"text":"Sorry.","start":116.16,"end":116.4,"sentiment":"neutral","sentiment_score":-0.018731795251369476},{"text":"July.","start":116.4,"end":117.28,"sentiment":"neutral","sentiment_score":-0.006543220020830631},{"text":"And I have child of Roseberry.","start":117.28,"end":119.380005,"sentiment":"neutral","sentiment_score":0.014504789685209593}],"sentiment":"neutral","sentiment_score":0.007719215354882181,"channel":1,"num_words":8,"start":116.16,"end":119.380005},{"sentences":[{"text":"Perfect.","start":120.435005,"end":120.835,"sentiment":"positive","sentiment_score":0.4176559448242187},{"text":"Thank you so much for that.","start":120.835,"end":122.195,"sentiment":"positive","sentiment_score":0.5726692179838816},{"text":"And just so you know who you were talking to, I'm registered with Asic as adviser 1273105, and all","start":122.195,"end":128.96,"sentiment":"neutral","sentiment_score":0.13521538419943108}],"sentiment":"neutral","sentiment_score":0.24702936740448841,"channel":0,"num_words":26,"start":120.435005,"end":128.96},{"sentences":[{"text":"Mhmm.","start":128.705,"end":129.205,"sentiment":"neutral","sentiment_score":0.03996237739920616}],"sentiment":"neutral","sentiment_score":0.03996237739920616,"channel":1,"num_words":1,"start":128.705,"end":129.205},{"sentences":[{"text":"the recalls calls are recorded for training and quality purposes.","start":128.96,"end":132.5,"sentiment":"neutral","sentiment_score":0.0207368740811944}],"sentiment":"neutral","sentiment_score":0.0207368740811944,"channel":0,"num_words":10,"start":128.96,"end":132.5},{"sentences":[{"text":"Yep.","start":133.185,"end":133.685,"sentiment":"neutral","sentiment_score":0.12808941304683685}],"sentiment":"neutral","sentiment_score":0.12808941304683685,"channel":1,"num_words":1,"start":133.185,"end":133.685},{"sentences":[{"text":"Awesome.","start":134.48001,"end":134.98001,"sentiment":"neutral","sentiment_score":0.00626766262575984},{"text":"Now so based on the notes, guys, bit of urgency here, I believe you guys have possibly found a property and are looking to purchase through Super.","start":135.04001,"end":144.055,"sentiment":"neutral","sentiment_score":0.060753378120285494},{"text":"Is that right?","start":144.055,"end":144.875,"sentiment":"neutral","sentiment_score":0.1152862161397934}],"sentiment":"neutral","sentiment_score":0.06427314581589834,"channel":0,"num_words":31,"start":134.48001,"end":144.875},{"sentences":[{"text":"Correct.","start":145.36,"end":145.86,"sentiment":"positive","sentiment_score":0.4966544508934021}],"sentiment":"positive","sentiment_score":0.4966544508934021,"channel":1,"num_words":1,"start":145.36,"end":145.86},{"sentences":[{"text":"Awesome.","start":147.095,"end":147.575,"sentiment":"positive","sentiment_score":0.6242952346801758},{"text":"So couple of things I need to go through with you.","start":147.575,"end":150.395,"sentiment":"neutral","sentiment_score":0.17305129089138724},{"text":"I've already","start":150.61499,"end":151.095,"sentiment":"neutral","sentiment_score":0.06463515385985374}],"sentiment":"neutral","sentiment_score":0.18979498158608163,"channel":0,"num_words":14,"start":147.095,"end":151.095},{"sentences":[{"text":"Yep.","start":150.88,"end":151.38,"sentiment":"neutral","sentiment_score":0.05598783120512962}],"sentiment":"neutral","sentiment_score":0.05598783120512962,"channel":1,"num_words":1,"start":150.88,"end":151.38},{"sentences":[{"text":"looked at both of your files","start":151.095,"end":152.055,"sentiment":"neutral","sentiment_score":0.06213116149107615}],"sentiment":"neutral","sentiment_score":0.06213116149107615,"channel":0,"num_words":6,"start":151.095,"end":152.055},{"sentences":[{"text":"Yeah.","start":152.055,"end":152.555,"sentiment":"neutral","sentiment_score":0.04610122740268707}],"sentiment":"neutral","sentiment_score":0.04610122740268707,"channel":1,"num_words":1,"start":152.055,"end":152.555},{"sentences":[{"text":"and had a bit of an idea and a few list of things I wanted to cover.","start":152.055,"end":155.83499,"sentiment":"neutral","sentiment_score":0.06972987829324077},{"text":"But just let me know where you're up to at the moment.","start":156.1,"end":158.34,"sentiment":"neutral","sentiment_score":0.061748694318036236},{"text":"So you've found a property.","start":158.34,"end":159.64,"sentiment":"neutral","sentiment_score":0.039322066307067874},{"text":"Have you engaged with any accountants or brokers at the moment?","start":159.86,"end":162.68001,"sentiment":"neutral","sentiment_score":0.014250121841376478}],"sentiment":"neutral","sentiment_score":0.05066119854648908,"channel":0,"num_words":45,"start":152.055,"end":162.68001},{"sentences":[{"text":"No.","start":163.17499,"end":163.575,"sentiment":"neutral","sentiment_score":-0.13587775826454165},{"text":"No.","start":163.575,"end":164.075,"sentiment":"neutral","sentiment_score":-0.14452391862869263}],"sentiment":"neutral","sentiment_score":-0.14020083844661713,"channel":1,"num_words":2,"start":163.17499,"end":164.075},{"sentences":[{"text":"No.","start":163.94,"end":164.26001,"sentiment":"neutral","sentiment_score":-0.17899158596992493},{"text":"No.","start":164.26001,"end":164.5,"sentiment":"neutral","sentiment_score":-0.30362433195114136},{"text":"I don't.","start":164.5,"end":165.16,"sentiment":"neutral","sentiment_score":-0.2550727128982544},{"text":"Okay.","start":165.46,"end":165.96,"sentiment":"neutral","sentiment_score":-0.03890129551291466},{"text":"Alrighty.","start":166.26001,"end":166.76001,"sentiment":"neutral","sentiment_score":0.013998953625559809}],"sentiment":"neutral","sentiment_score":-0.16961061426748833,"channel":0,"num_words":6,"start":163.94,"end":166.76001},{"sentences":[{"text":"Can you walk me through the property that you found just in terms of how much the the purchase price of the property?","start":167.3,"end":174.165,"sentiment":"neutral","sentiment_score":0.008620919011857199}],"sentiment":"neutral","sentiment_score":0.008620919011857199,"channel":0,"num_words":23,"start":167.3,"end":174.165},{"sentences":[{"text":"Yeah.","start":175.65,"end":176.04999,"sentiment":"neutral","sentiment_score":0.00868089310824871},{"text":"So the purchase price is around 800.","start":176.04999,"end":178.87,"sentiment":"neutral","sentiment_score":0.0013031728033508574}],"sentiment":"neutral","sentiment_score":0.002225387841463089,"channel":1,"num_words":8,"start":175.65,"end":178.87},{"sentences":[{"text":"Yep.","start":179.985,"end":180.485,"sentiment":"neutral","sentiment_score":0.007321055047214031}],"sentiment":"neutral","sentiment_score":0.007321055047214031,"channel":0,"num_words":1,"start":179.985,"end":180.485},{"sentences":[{"text":"It's in Carlingford.","start":181.405,"end":182.305,"sentiment":"neutral","sentiment_score":-0.012696570406357447},{"text":"It's an apartment.","start":183.325,"end":184.285,"sentiment":"neutral","sentiment_score":-0.0305996381988128},{"text":"It'll be bought off the plan.","start":184.285,"end":185.825,"sentiment":"neutral","sentiment_score":-0.05597191552321116}],"sentiment":"neutral","sentiment_score":-0.038810009912898145,"channel":1,"num_words":12,"start":181.405,"end":185.825},{"sentences":[{"text":"Yep.","start":187.08,"end":187.58,"sentiment":"neutral","sentiment_score":0.01877167448401451}],"sentiment":"neutral","sentiment_score":0.01877167448401451,"channel":0,"num_words":1,"start":187.08,"end":187.58},{"sentences":[{"text":"And yeah.","start":188.365,"end":189.485,"sentiment":"neutral","sentiment_score":0.009767160750925541},{"text":"Basically, we're just looking at options.","start":189.485,"end":191.185,"sentiment":"neutral","sentiment_score":0.0015237804812689622},{"text":"So, obviously, one of the options was to get to borrow from the bank.","start":191.405,"end":195.45999,"sentiment":"neutral","sentiment_score":0.0013248682288186891},{"text":"Another one was asking it was, like, a percent.","start":196.08,"end":200.02,"sentiment":"neutral","sentiment_score":-0.0066213904776506955},{"text":"They just needed 5%.","start":200.23999,"end":202.31999,"sentiment":"neutral","sentiment_score":-0.011712919600540772}],"sentiment":"neutral","sentiment_score":-0.0016919723745169386,"channel":1,"num_words":35,"start":188.365,"end":202.31999},{"sentences":[{"text":"Okay.","start":202.31999,"end":202.48,"sentiment":"neutral","sentiment_score":0.016605667769908905},{"text":"It was, like, 5%.","start":202.48,"end":203.68,"sentiment":"neutral","sentiment_score":0.006305760936811566},{"text":"Yeah.","start":203.68,"end":203.92,"sentiment":"neutral","sentiment_score":0.01576610840857029},{"text":"They were only asking for 5% as opposed to what they would usually ask for.","start":203.92,"end":208.73999,"sentiment":"neutral","sentiment_score":-0.0024617822219928105},{"text":"And, well, basically, we just wanted to navigate to see how possible it is for us.","start":209.12,"end":214.535,"sentiment":"neutral","sentiment_score":0.13641217863187194}],"sentiment":"neutral","sentiment_score":0.05954764715421039,"channel":1,"num_words":37,"start":202.31999,"end":214.535},{"sentences":[{"text":"I mean, it it is a very good deal.","start":214.535,"end":216.395,"sentiment":"positive","sentiment_score":0.4573056764072842},{"text":"We know the person through","start":216.695,"end":218.63501,"sentiment":"neutral","sentiment_score":0.19798798561096193}],"sentiment":"positive","sentiment_score":0.3646922154085977,"channel":1,"num_words":14,"start":214.535,"end":218.63501},{"sentences":[{"text":"Yep.","start":218.72,"end":219.22,"sentiment":"neutral","sentiment_score":0.159380242228508}],"sentiment":"neutral","sentiment_score":0.159380242228508,"channel":0,"num_words":1,"start":218.72,"end":219.22},{"sentences":[{"text":"a close friend of ours.","start":218.935,"end":220.235,"sentiment":"neutral","sentiment_score":0.1300380200147629},{"text":"She's been doing this for a while, and the the opportunity was offered to us.","start":220.615,"end":225.57,"sentiment":"neutral","sentiment_score":0.1488700419664383},{"text":"And so, yeah, we just wanted want to see how possible is it?","start":226.61,"end":229.81001,"sentiment":"neutral","sentiment_score":0.05410325383910766},{"text":"Should we, shouldn't we, risks, etcetera.","start":229.81001,"end":232.95001,"sentiment":"neutral","sentiment_score":-0.03485465845248351}],"sentiment":"neutral","sentiment_score":0.08660141227599712,"channel":1,"num_words":39,"start":218.935,"end":232.95001},{"sentences":[{"text":"Yep.","start":233.885,"end":234.28499,"sentiment":"neutral","sentiment_score":0.10132982581853868},{"text":"Absolutely.","start":234.28499,"end":234.78499,"sentiment":"neutral","sentiment_score":0.15535485744476318},{"text":"So where I'll start with that is the 5% that you were just talking about, was that what you were thinking if you were purchasing it personally?","start":235.00499,"end":242.53,"sentiment":"neutral","sentiment_score":0.022243073899988777},{"text":"Oh, for a deposit.","start":246.59001,"end":247.55,"sentiment":"neutral","sentiment_score":-0.010125312255695462},{"text":"Sorry.","start":247.55,"end":247.79001,"sentiment":"neutral","sentiment_score":-0.03925224393606186}],"sentiment":"neutral","sentiment_score":0.02286747604718103,"channel":0,"num_words":34,"start":233.885,"end":247.79001},{"sentences":[{"text":"Was it a 5% deposit to purchase it directly?","start":247.79001,"end":250.45001,"sentiment":"neutral","sentiment_score":-0.013050979210270775}],"sentiment":"neutral","sentiment_score":-0.013050979210270775,"channel":0,"num_words":9,"start":247.79001,"end":250.45001},{"sentences":[{"text":"Correct.","start":251.305,"end":251.805,"sentiment":"neutral","sentiment_score":0.03878115862607956}],"sentiment":"neutral","sentiment_score":0.03878115862607956,"channel":1,"num_words":1,"start":251.305,"end":251.805},{"sentences":[{"text":"Yep.","start":252.645,"end":253.04501,"sentiment":"neutral","sentiment_score":0.04972405359148979},{"text":"Okay.","start":253.04501,"end":253.365,"sentiment":"neutral","sentiment_score":0.1012105867266655},{"text":"Cool.","start":253.365,"end":253.765,"sentiment":"neutral","sentiment_score":0.13599644601345062},{"text":"So when it comes to purchasing through super, I'll give you, I guess, in layman's terms how the structure works.","start":253.765,"end":262.025,"sentiment":"neutral","sentiment_score":0.06641692258417606},{"text":"Are you familiar at all with the structure of self managed super funds?","start":262.165,"end":265.945,"sentiment":"neutral","sentiment_score":0.014112235118563358}],"sentiment":"neutral","sentiment_score":0.04996468318212363,"channel":0,"num_words":36,"start":252.645,"end":265.945},{"sentences":[{"text":"No.","start":266.33,"end":266.73,"sentiment":"neutral","sentiment_score":-0.09320103377103806},{"text":"Nothing.","start":266.73,"end":267.23,"sentiment":"neutral","sentiment_score":-0.04536116123199463}],"sentiment":"neutral","sentiment_score":-0.06928109750151634,"channel":1,"num_words":2,"start":266.33,"end":267.23},{"sentences":[{"text":"So I'll give you the full breakdown, and then we'll kind of step through pros, cons, and what's possible and what's not.","start":268.73,"end":274.59,"sentiment":"neutral","sentiment_score":0.05518465819345279},{"text":"So","start":274.89,"end":275.39,"sentiment":"neutral","sentiment_score":0.07035262882709503}],"sentiment":"neutral","sentiment_score":0.05584413517752419,"channel":0,"num_words":23,"start":268.73,"end":275.39},{"sentences":[{"text":"Yep.","start":275.215,"end":275.715,"sentiment":"neutral","sentiment_score":0.08011430501937866}],"sentiment":"neutral","sentiment_score":0.08011430501937866,"channel":1,"num_words":1,"start":275.215,"end":275.715},{"sentences":[{"text":"to create a super fund, you essentially need to create the entities that become that trustee, that become that fund.","start":275.85,"end":284.78497,"sentiment":"neutral","sentiment_score":0.07397826109081507},{"text":"So you guys are with Hub.","start":284.78497,"end":286.06497,"sentiment":"neutral","sentiment_score":0.07494822703301907},{"text":"They are a trustee.","start":286.06497,"end":287.04498,"sentiment":"neutral","sentiment_score":0.05988755915313959},{"text":"You're gonna create one of those.","start":287.185,"end":288.88498,"sentiment":"neutral","sentiment_score":0.06538727569083373},{"text":"So what that basically entails is you engage an accountant to create a trust fund and a trustee.","start":289.10498,"end":297.28,"sentiment":"neutral","sentiment_score":0.06174539981616868}],"sentiment":"neutral","sentiment_score":0.06801010502709283,"channel":0,"num_words":54,"start":275.85,"end":297.28},{"sentences":[{"text":"So usually, it's a company, a trust in a company that creates your entity of a super fund.","start":297.82,"end":304.08002,"sentiment":"neutral","sentiment_score":0.04188160929414961},{"text":"With me so far?","start":304.54,"end":305.68002,"sentiment":"neutral","sentiment_score":0.02506855223327875},{"text":"Yep.","start":307.34,"end":307.84,"sentiment":"neutral","sentiment_score":0.03529737889766693},{"text":"Now from that point, you do need to create another bear trust and bear trustee, which is to hold the loan.","start":307.90002,"end":316.54498,"sentiment":"neutral","sentiment_score":-0.03270684200383368},{"text":"Because what they're banning at the moment after that forty five day cutoff is called LRBA, limited recourse borrowing arrangement.","start":316.54498,"end":324.965,"sentiment":"neutral","sentiment_score":-0.13795079458504916}],"sentiment":"neutral","sentiment_score":-0.03994404716650024,"channel":0,"num_words":64,"start":297.82,"end":324.965},{"sentences":[{"text":"In order to borrow money with your super, you need to go through this extra structure, which is basically another trust in another company holds the loan a little bit off to the side.","start":325.39,"end":336.77002,"sentiment":"neutral","sentiment_score":-0.02998878894483342},{"text":"So you have two trust funds and two companies.","start":336.99002,"end":339.73,"sentiment":"neutral","sentiment_score":0.03596549895074633},{"text":"Does that make sense?","start":339.95,"end":341.01,"sentiment":"neutral","sentiment_score":0.04294640338048339}],"sentiment":"neutral","sentiment_score":-0.011151994043525229,"channel":0,"num_words":47,"start":325.39,"end":341.01},{"sentences":[{"text":"Mhmm.","start":340.83502,"end":341.23502,"sentiment":"neutral","sentiment_score":0.04373061656951904},{"text":"Yep.","start":341.23502,"end":341.73502,"sentiment":"neutral","sentiment_score":0.14105086028575897}],"sentiment":"neutral","sentiment_score":0.09239073842763901,"channel":1,"num_words":2,"start":340.83502,"end":341.73502},{"sentences":[{"text":"Cool.","start":342.60498,"end":343.005,"sentiment":"neutral","sentiment_score":0.3138880133628845},{"text":"So that usually costs anywhere between, I guess, 2 and 5,000 through the super fund.","start":343.005,"end":348.38498,"sentiment":"neutral","sentiment_score":0.19849766890207926}],"sentiment":"neutral","sentiment_score":0.2057095654308796,"channel":0,"num_words":16,"start":342.60498,"end":348.38498},{"sentences":[{"text":"Mhmm.","start":349.19,"end":349.69,"sentiment":"neutral","sentiment_score":0.10118690133094788}],"sentiment":"neutral","sentiment_score":0.10118690133094788,"channel":1,"num_words":1,"start":349.19,"end":349.69},{"sentences":[{"text":"I know some accountants like to charge you directly and you have to reimburse yourself, but some of them will let you just set it up.","start":349.245,"end":355.41,"sentiment":"neutral","sentiment_score":0.09672354820829171},{"text":"And then once it's all established, you can kind of just pay their invoices through Superfunds.","start":355.41,"end":360.07,"sentiment":"neutral","sentiment_score":0.11801580991595984}],"sentiment":"neutral","sentiment_score":0.1048348860016891,"channel":0,"num_words":42,"start":349.245,"end":360.07},{"sentences":[{"text":"Mhmm.","start":361.01498,"end":361.41498,"sentiment":"neutral","sentiment_score":0.10426516830921172},{"text":"Yep.","start":361.41498,"end":361.91498,"sentiment":"neutral","sentiment_score":0.19915515184402463}],"sentiment":"neutral","sentiment_score":0.15171016007661817,"channel":1,"num_words":2,"start":361.01498,"end":361.91498},{"sentences":[{"text":"Cool.","start":362.13,"end":362.53,"sentiment":"positive","sentiment_score":0.42988938093185425},{"text":"So you get your four entities set up.","start":362.53,"end":364.13,"sentiment":"positive","sentiment_score":0.35506900399923325},{"text":"That's what the accountant does.","start":364.13,"end":365.33,"sentiment":"neutral","sentiment_score":0.28906946182250975},{"text":"Obviously, brokers to do lending.","start":365.33,"end":367.11,"sentiment":"neutral","sentiment_score":0.11330843567848206},{"text":"Normally,","start":367.49,"end":367.97,"sentiment":"neutral","sentiment_score":0.09900051355361938}],"sentiment":"neutral","sentiment_score":0.2690665706992149,"channel":0,"num_words":20,"start":362.13,"end":367.97},{"sentences":[{"text":"Mhmm.","start":367.895,"end":368.395,"sentiment":"neutral","sentiment_score":0.14164787530899048}],"sentiment":"neutral","sentiment_score":0.14164787530899048,"channel":1,"num_words":1,"start":367.895,"end":368.395},{"sentences":[{"text":"with Superfund lending, it used to be a 50% deposit, but these days, 20% is pretty good.","start":367.97,"end":375.26498,"sentiment":"neutral","sentiment_score":0.219540932599236},{"text":"And based on 800,000 and the balance that you guys have, which is about $3.75 combined, little bit in CareSuper, 20% deposit is not gonna be a problem for","start":375.405,"end":388.03,"sentiment":"positive","sentiment_score":0.3970862853116003}],"sentiment":"neutral","sentiment_score":0.33147169843963953,"channel":0,"num_words":46,"start":367.97,"end":388.03},{"sentences":[{"text":"Right.","start":388.01498,"end":388.51498,"sentiment":"neutral","sentiment_score":0.20151636004447937}],"sentiment":"neutral","sentiment_score":0.20151636004447937,"channel":1,"num_words":1,"start":388.01498,"end":388.51498},{"sentences":[{"text":"you guys.","start":388.03,"end":388.69,"sentiment":"neutral","sentiment_score":0.13121353834867477},{"text":"K?","start":391.55002,"end":392.05002,"sentiment":"neutral","sentiment_score":0.07985258102416992},{"text":"Now I believe your incomes, you're both pretty well 6 figures in terms of income.","start":392.11002,"end":396.99002,"sentiment":"neutral","sentiment_score":0.1839500144124031},{"text":"I think combined household income's over 200","start":396.99002,"end":399.70502,"sentiment":"neutral","sentiment_score":0.1775744536093303}],"sentiment":"neutral","sentiment_score":0.17378204196691513,"channel":0,"num_words":25,"start":388.03,"end":399.70502},{"sentences":[{"text":"Yep.","start":400.405,"end":400.655,"sentiment":"neutral","sentiment_score":0.151528462767601},{"text":"Yep.","start":400.655,"end":401.155,"sentiment":"neutral","sentiment_score":0.11142127215862274}],"sentiment":"neutral","sentiment_score":0.13147486746311188,"channel":1,"num_words":2,"start":400.405,"end":401.155},{"sentences":[{"text":"thousand.","start":400.72504,"end":401.22504,"sentiment":"neutral","sentiment_score":0.13782700896263125}],"sentiment":"neutral","sentiment_score":0.13782700896263125,"channel":0,"num_words":1,"start":400.72504,"end":401.22504},{"sentences":[{"text":"Yep.","start":401.455,"end":401.955,"sentiment":"neutral","sentiment_score":0.1815158575773239}],"sentiment":"neutral","sentiment_score":0.1815158575773239,"channel":1,"num_words":1,"start":401.455,"end":401.955},{"sentences":[{"text":"Cool.","start":402.24503,"end":402.74503,"sentiment":"neutral","sentiment_score":0.07372277975082397},{"text":"So in terms of serviceability, rather than going off, like, your direct income as if you were owning another property of loan, they're going off your super contributions and the rent in terms of cash flow and serviceability.","start":402.80502,"end":415.38998,"sentiment":"neutral","sentiment_score":0.07593701593577862},{"text":"So your employer contribution and the rent, that's what they take into account for the servicing of the loan.","start":416.25,"end":423.13,"sentiment":"neutral","sentiment_score":0.08996394237405375},{"text":"Does that make sense?","start":423.13,"end":424.19,"sentiment":"neutral","sentiment_score":0.12747138552367687}],"sentiment":"neutral","sentiment_score":0.08352467471793774,"channel":0,"num_words":62,"start":402.24503,"end":424.19},{"sentences":[{"text":"Mhmm.","start":424.425,"end":424.925,"sentiment":"neutral","sentiment_score":0.1121237725019455},{"text":"Yep.","start":424.985,"end":425.485,"sentiment":"neutral","sentiment_score":0.26849424839019775}],"sentiment":"neutral","sentiment_score":0.19030901044607162,"channel":1,"num_words":2,"start":424.425,"end":425.485},{"sentences":[{"text":"Cool.","start":426.265,"end":426.58502,"sentiment":"positive","sentiment_score":0.4553515911102295},{"text":"So on paper, the property purchase price, the funds that you've got, income and contributions that you've got, I don't see any problems with 800,000.","start":426.58502,"end":436.285,"sentiment":"neutral","sentiment_score":0.27784702837467196}],"sentiment":"neutral","sentiment_score":0.28467412694142413,"channel":0,"num_words":26,"start":426.265,"end":436.285},{"sentences":[{"text":"Okay.","start":438.00998,"end":438.50998,"sentiment":"neutral","sentiment_score":0.09513262659311296}],"sentiment":"neutral","sentiment_score":0.09513262659311296,"channel":1,"num_words":1,"start":438.00998,"end":438.50998},{"sentences":[{"text":"K?","start":439.32,"end":439.82,"sentiment":"neutral","sentiment_score":0.07384288311004639},{"text":"Now in terms of the advice process for us to be involved, what we normally do past that point so let's say you've got the account set up your trust funds and companies.","start":439.88,"end":450.375,"sentiment":"neutral","sentiment_score":0.06748150526122614},{"text":"You've got all these entities.","start":450.375,"end":451.495,"sentiment":"neutral","sentiment_score":0.08079699873924255},{"text":"Now you have a super fund.","start":451.495,"end":453.035,"sentiment":"neutral","sentiment_score":0.13144042218724886},{"text":"You actually","start":453.255,"end":453.815,"sentiment":"neutral","sentiment_score":0.11270924285054207}],"sentiment":"neutral","sentiment_score":0.07912294828194252,"channel":0,"num_words":47,"start":439.32,"end":453.815},{"sentences":[{"text":"Mhmm.","start":453.785,"end":454.285,"sentiment":"neutral","sentiment_score":0.07877356559038162}],"sentiment":"neutral","sentiment_score":0.07877356559038162,"channel":1,"num_words":1,"start":453.785,"end":454.285},{"sentences":[{"text":"need the accounts to facilitate it.","start":453.815,"end":456.075,"sentiment":"neutral","sentiment_score":0.060959361493587494},{"text":"So what we do in our strategy is we recommend, like, a bank account so that the funds can come in and it can pay the loans and roll funds in from your super and pay for fees and premiums and contributions.","start":456.135,"end":469.32,"sentiment":"neutral","sentiment_score":0.18377635450590224},{"text":"The bank account kind of acts as that central hub for all the money to flow through.","start":469.46,"end":474.44,"sentiment":"neutral","sentiment_score":0.19942712608505697}],"sentiment":"neutral","sentiment_score":0.17653268002546751,"channel":0,"num_words":65,"start":453.815,"end":474.44},{"sentences":[{"text":"Mhmm.","start":475.315,"end":475.79498,"sentiment":"neutral","sentiment_score":0.11343909800052644},{"text":"Yep.","start":475.79498,"end":476.29498,"sentiment":"neutral","sentiment_score":0.1463363617658615}],"sentiment":"neutral","sentiment_score":0.12988772988319397,"channel":1,"num_words":2,"start":475.315,"end":476.29498},{"sentences":[{"text":"Alongside that, we normally open, like, an investment account that mimics what your hub twenty four does so that all the funds can come in and buy the property.","start":477.325,"end":485.825,"sentiment":"neutral","sentiment_score":0.24836889577322993},{"text":"Anything that's not needed for the property, you can continue to invest that like you were doing for your super.","start":486.04498,"end":491.585,"sentiment":"neutral","sentiment_score":0.28845382332801817},{"text":"So both can kind of grow in parallel.","start":491.72,"end":494.28003,"sentiment":"positive","sentiment_score":0.3530012182891369},{"text":"Does that make sense?","start":494.28003,"end":495.34003,"sentiment":"neutral","sentiment_score":0.20850516855716705}],"sentiment":"neutral","sentiment_score":0.27261975187747206,"channel":0,"num_words":61,"start":477.325,"end":495.34003},{"sentences":[{"text":"Mhmm.","start":495.56,"end":495.63998,"sentiment":"neutral","sentiment_score":0.06579212844371796},{"text":"Yep.","start":495.63998,"end":496.13998,"sentiment":"neutral","sentiment_score":0.07369153201580048},{"text":"Yep.","start":496.19998,"end":496.69998,"sentiment":"neutral","sentiment_score":0.07831794023513794}],"sentiment":"neutral","sentiment_score":0.07260053356488545,"channel":1,"num_words":3,"start":495.56,"end":496.69998},{"sentences":[{"text":"Now at this point, because of the cost of the accountant so I usually estimate $5 for the entities.","start":497.64,"end":504.14,"sentiment":"neutral","sentiment_score":0.048045666202118524},{"text":"And the self managed super fund advice, we usually charge $4.09 5 o.","start":504.54498,"end":508.625,"sentiment":"neutral","sentiment_score":0.07823250987208806},{"text":"So another $5 for the advice, the accounts, the strategy, the application, the rollovers, and so on.","start":508.625,"end":515.745,"sentiment":"neutral","sentiment_score":0.10503114058690913},{"text":"So that's about 10,000 upfront.","start":515.745,"end":518.45,"sentiment":"neutral","sentiment_score":0.10489005297422409},{"text":"And then you've got usually about 10 to 20, usually keep aside the things like stamp duty and usual borrowing costs when","start":518.75,"end":526.43,"sentiment":"neutral","sentiment_score":0.04403086717833172}],"sentiment":"neutral","sentiment_score":0.06853353972301672,"channel":0,"num_words":76,"start":497.64,"end":526.43},{"sentences":[{"text":"That's","start":526.36,"end":526.68,"sentiment":"neutral","sentiment_score":0.05519399046897888}],"sentiment":"neutral","sentiment_score":0.05519399046897888,"channel":1,"num_words":1,"start":526.36,"end":526.68},{"sentences":[{"text":"you get a","start":526.43,"end":526.83,"sentiment":"neutral","sentiment_score":0.06983210891485214}],"sentiment":"neutral","sentiment_score":0.06983210891485214,"channel":0,"num_words":3,"start":526.43,"end":526.83},{"sentences":[{"text":"right.","start":526.68,"end":527.18,"sentiment":"neutral","sentiment_score":0.07415549457073212}],"sentiment":"neutral","sentiment_score":0.07415549457073212,"channel":1,"num_words":1,"start":526.68,"end":527.18},{"sentences":[{"text":"property.","start":526.83,"end":527.33,"sentiment":"neutral","sentiment_score":0.03207572549581528},{"text":"Things you'd be familiar","start":527.63,"end":528.75,"sentiment":"neutral","sentiment_score":0.026301379315555096}],"sentiment":"neutral","sentiment_score":0.02745624855160713,"channel":0,"num_words":5,"start":526.83,"end":528.75},{"sentences":[{"text":"Yep.","start":528.36,"end":528.86,"sentiment":"neutral","sentiment_score":0.0259416364133358}],"sentiment":"neutral","sentiment_score":0.0259416364133358,"channel":1,"num_words":1,"start":528.36,"end":528.86},{"sentences":[{"text":"with.","start":528.75,"end":529.25,"sentiment":"neutral","sentiment_score":0.02996317483484745}],"sentiment":"neutral","sentiment_score":0.02996317483484745,"channel":0,"num_words":1,"start":528.75,"end":529.25},{"sentences":[{"text":"Yep.","start":528.945,"end":529.445,"sentiment":"neutral","sentiment_score":0.01075358595699072}],"sentiment":"neutral","sentiment_score":0.01075358595699072,"channel":1,"num_words":1,"start":528.945,"end":529.445},{"sentences":[{"text":"K?","start":530.495,"end":530.995,"sentiment":"neutral","sentiment_score":-0.006321323104202747},{"text":"Now in terms of risk, so because of this cutoff period that we've got, because you're doing off plan,","start":531.455,"end":536.655,"sentiment":"neutral","sentiment_score":-0.1009835540071914}],"sentiment":"neutral","sentiment_score":-0.09625044246204198,"channel":0,"num_words":20,"start":530.495,"end":536.655},{"sentences":[{"text":"Yes.","start":536.5125,"end":537.0125,"sentiment":"neutral","sentiment_score":-0.0029888153076171875}],"sentiment":"neutral","sentiment_score":-0.0029888153076171875,"channel":1,"num_words":1,"start":536.5125,"end":537.0125},{"sentences":[{"text":"I'm assuming you're gonna be able to get a contract signed relatively quickly.","start":536.655,"end":540.495,"sentiment":"neutral","sentiment_score":0.1454253695332087},{"text":"Is that right?","start":540.495,"end":541.395,"sentiment":"neutral","sentiment_score":0.12222495426734288},{"text":"Yep.","start":543.79,"end":544.26996,"sentiment":"neutral","sentiment_score":0.15235868096351624},{"text":"So that's not too much of a problem.","start":544.26996,"end":546.05,"sentiment":"neutral","sentiment_score":0.25447759218513966},{"text":"For us, the accountants usually only take one to two weeks to set up all the entities, and we usually go about a fortnight to do the advice, start doing the application, open accounts, and the rollovers can take anywhere between one to three weeks.","start":546.82996,"end":562.705,"sentiment":"neutral","sentiment_score":0.13673869280351533}],"sentiment":"neutral","sentiment_score":0.15140893230480806,"channel":0,"num_words":70,"start":536.655,"end":562.705},{"sentences":[{"text":"So on face value, if we started this process with you guys on Monday, we would pretty much just get everything set up in time.","start":562.925,"end":570.65,"sentiment":"neutral","sentiment_score":0.18737290382385255},{"text":"The risk is if there's any delay that we wouldn't get the money rolled across and ready for the loan in time.","start":571.11,"end":578.97003,"sentiment":"negative","sentiment_score":-0.5424562645229426},{"text":"The thing that I'm kind of concerned with at the moment, I've just been talking to all of our brokers in the network.","start":579.67,"end":585.105,"sentiment":"neutral","sentiment_score":-0.23434467095395792},{"text":"There's about four or five.","start":585.105,"end":586.565,"sentiment":"neutral","sentiment_score":-0.21244482100009918},{"text":"They're not actually sure whether the banks will continue to do the lending and applications all the way up until that forty fifth day.","start":587.90497,"end":596.08496,"sentiment":"negative","sentiment_score":-0.3335220031440258}],"sentiment":"neutral","sentiment_score":-0.21925651349804617,"channel":0,"num_words":99,"start":562.925,"end":596.08496},{"sentences":[{"text":"And if you've got the contract signed, there's no guarantee that they'll actually finalize the loan for you day 46, day 47.","start":596.39,"end":604.41,"sentiment":"neutral","sentiment_score":-0.2971624992787838},{"text":"Like, let's say you submit it day 39, there's no guarantee they will honor the application and actually approve it after that date occurs on the August 7.","start":604.63,"end":616.395,"sentiment":"neutral","sentiment_score":-0.17986118261303222},{"text":"K?","start":617.335,"end":617.655,"sentiment":"neutral","sentiment_score":-0.05636562407016754},{"text":"So what I'm basically saying here is you're in an actual good financial position to do this through Super, but the risks are that if we don't get it all lined up in time in terms of the accounts, the entities, and the lending, is you may have gone through all of this to set it all up, pay all this money, and then you just missed out by four days.","start":617.655,"end":637.17,"sentiment":"negative","sentiment_score":-0.3839946920183343}],"sentiment":"neutral","sentiment_score":-0.31880062995631187,"channel":0,"num_words":122,"start":596.39,"end":637.17},{"sentences":[{"text":"Okay.","start":639.965,"end":640.28503,"sentiment":"neutral","sentiment_score":-0.16743965446949005},{"text":"What can we do?","start":640.28503,"end":641.265,"sentiment":"neutral","sentiment_score":-0.16091515868902206}],"sentiment":"neutral","sentiment_score":-0.16222005784511567,"channel":1,"num_words":5,"start":639.965,"end":641.265},{"sentences":[{"text":"So my my honest answer here is you're probably better off purchasing it directly than rather than through super.","start":643.075,"end":650.935,"sentiment":"neutral","sentiment_score":-0.17353398470502152},{"text":"And if you're gonna go through the super outlet, say that you're adamant, no.","start":650.995,"end":654.275,"sentiment":"neutral","sentiment_score":-0.3170856758952141},{"text":"We've got it here.","start":654.275,"end":655.075,"sentiment":"neutral","sentiment_score":-0.25243494659662247},{"text":"We know it's financially viable.","start":655.075,"end":657.12,"sentiment":"neutral","sentiment_score":-0.21547144949436187},{"text":"We're just gonna go ahead and get this done in time, is even potentially skip us altogether.","start":657.12,"end":662.98,"sentiment":"negative","sentiment_score":-0.4452434392536388}],"sentiment":"neutral","sentiment_score":-0.29478950293387396,"channel":0,"num_words":59,"start":643.075,"end":662.98},{"sentences":[{"text":"Sorry.","start":664.99,"end":665.31,"sentiment":"neutral","sentiment_score":-0.2291429042816162},{"text":"What's the last bit?","start":665.31,"end":666.45,"sentiment":"neutral","sentiment_score":-0.1861574947834015}],"sentiment":"neutral","sentiment_score":-0.19475457668304444,"channel":1,"num_words":5,"start":664.99,"end":666.45},{"sentences":[{"text":"Now so skip using our Q Financial altogether is an option that you do have.","start":666.32,"end":672.22504,"sentiment":"neutral","sentiment_score":-0.12947870492935182},{"text":"So for example, let's say you engage an accountant and set up all your entities, and then you just open up your own self managed super fund bank account with whichever bank owned by those entities, we can help you","start":672.36505,"end":686.02,"sentiment":"neutral","sentiment_score":0.09225897751748562}],"sentiment":"neutral","sentiment_score":0.03178506412289359,"channel":0,"num_words":55,"start":666.32,"end":686.02},{"sentences":[{"text":"Yep.","start":685.79004,"end":686.29004,"sentiment":"neutral","sentiment_score":0.20875084400177}],"sentiment":"neutral","sentiment_score":0.20875084400177,"channel":1,"num_words":1,"start":685.79004,"end":686.29004},{"sentences":[{"text":"sell down funds and roll the funds across.","start":686.02,"end":688.28,"sentiment":"neutral","sentiment_score":0.10363215766847134},{"text":"But for us to step in and do the advice and tell you which providers to go with, that's gonna be the part that pushes you over that line and possibly gets you to miss out on that deal.","start":689.46,"end":700.305,"sentiment":"negative","sentiment_score":-0.37106884729403716},{"text":"So what you're gonna take into account, are you comfortable to try it yourself?","start":703.96497,"end":707.585,"sentiment":"neutral","sentiment_score":0.08740984295893993}],"sentiment":"neutral","sentiment_score":-0.20358836035564787,"channel":0,"num_words":61,"start":686.02,"end":707.585},{"sentences":[{"text":"If the deal can be extended, is is that what you're saying?","start":709.66003,"end":713.9,"sentiment":"neutral","sentiment_score":0.08184598386287689},{"text":"Like, if we can get the deal to be extended to give us a bit more time, then then it will be okay?","start":713.9,"end":720.48,"sentiment":"neutral","sentiment_score":0.12848004601571872}],"sentiment":"neutral","sentiment_score":0.11249122470617294,"channel":1,"num_words":35,"start":709.66003,"end":720.48},{"sentences":[{"text":"It's probably the opposite there, Viv, because if you getting the contract signed before that forty five day cutoff, that's the most important thing, and then it's making sure that you get the loan application approved in time.","start":721.775,"end":733.92,"sentiment":"neutral","sentiment_score":0.1208438815450982}],"sentiment":"neutral","sentiment_score":0.1208438815450982,"channel":0,"num_words":38,"start":721.775,"end":733.92},{"sentences":[{"text":"Right.","start":735.61,"end":736.11,"sentiment":"neutral","sentiment_score":0.04901473596692085},{"text":"Oh, okay.","start":736.25,"end":736.73,"sentiment":"neutral","sentiment_score":0.05570046603679657},{"text":"Because the setup and everything is eating into the time of the loan application, like, into the forty five","start":736.73,"end":744.56995,"sentiment":"neutral","sentiment_score":-0.20372130290458076}],"sentiment":"neutral","sentiment_score":-0.16864950396120548,"channel":1,"num_words":22,"start":735.61,"end":744.56995},{"sentences":[{"text":"Correct.","start":744.39996,"end":744.8,"sentiment":"neutral","sentiment_score":-0.007409416139125824}],"sentiment":"neutral","sentiment_score":-0.007409416139125824,"channel":0,"num_words":1,"start":744.39996,"end":744.8},{"sentences":[{"text":"days.","start":744.56995,"end":744.88995,"sentiment":"neutral","sentiment_score":-0.029413100332021713}],"sentiment":"neutral","sentiment_score":-0.029413100332021713,"channel":1,"num_words":1,"start":744.56995,"end":744.88995},{"sentences":[{"text":"So","start":744.8,"end":745.04,"sentiment":"neutral","sentiment_score":0.05723858624696731}],"sentiment":"neutral","sentiment_score":0.05723858624696731,"channel":0,"num_words":1,"start":744.8,"end":745.04},{"sentences":[{"text":"Right?","start":744.88995,"end":745.38995,"sentiment":"neutral","sentiment_score":0.0663415715098381}],"sentiment":"neutral","sentiment_score":0.0663415715098381,"channel":1,"num_words":1,"start":744.88995,"end":745.38995},{"sentences":[{"text":"if we try and go through our usual advice process, get you to sign your statements of advice, set up accounts and applications and everything, that might be three, four weeks down the line before we get all the funds rolled across if everything goes perfectly.","start":745.04,"end":758.70496,"sentiment":"neutral","sentiment_score":0.1011627495450818},{"text":"Whereas technically, and I'm not telling you to do this, but if you engage that account and set everything up, you could literally go to the bank with all of your information and then just open up the bank account straight away within a couple of days.","start":759.005,"end":774.38,"sentiment":"neutral","sentiment_score":0.15812794800768507}],"sentiment":"neutral","sentiment_score":0.1299516132842469,"channel":0,"num_words":93,"start":745.04,"end":774.38},{"sentences":[{"text":"Okay.","start":776.06,"end":776.56,"sentiment":"neutral","sentiment_score":0.11286285519599916}],"sentiment":"neutral","sentiment_score":0.11286285519599916,"channel":1,"num_words":1,"start":776.06,"end":776.56},{"sentences":[{"text":"K.","start":778.065,"end":778.30505,"sentiment":"neutral","sentiment_score":0.11391359567642212},{"text":"So I'm just giving you that option to say, like, you don't have to go the route that I'm saying.","start":778.30505,"end":783.505,"sentiment":"neutral","sentiment_score":0.17878649421036244},{"text":"That's our standard process.","start":783.505,"end":785.04504,"sentiment":"neutral","sentiment_score":0.09652682207524776},{"text":"The risk is that we miss it by a couple of days.","start":785.825,"end":788.48505,"sentiment":"negative","sentiment_score":-0.41945217549800873},{"text":"If it's something that you're really set on pursuing yourself, you can do that.","start":789.02997,"end":793.99,"sentiment":"neutral","sentiment_score":0.17986127787402698}],"sentiment":"neutral","sentiment_score":0.030595736322449704,"channel":0,"num_words":51,"start":778.065,"end":793.99},{"sentences":[{"text":"We can help facilitate things like selling down your hub 24 so it's available to roll across quickly.","start":793.99,"end":800.41,"sentiment":"positive","sentiment_score":0.3886980414390564},{"text":"But you just need a really good accountant who can actually set everything up and actually do the rollovers properly.","start":800.70996,"end":806.64496,"sentiment":"neutral","sentiment_score":0.18551457403227686},{"text":"What's been happening this year for me personally is I've gone through five self managed super fund setups.","start":808.385,"end":814.08496,"sentiment":"neutral","sentiment_score":-0.05869862250983715},{"text":"Three of them took about six to eight weeks.","start":815.105,"end":817.605,"sentiment":"neutral","sentiment_score":-0.0657197932402293},{"text":"One of them took four months.","start":817.85004,"end":819.29004,"sentiment":"neutral","sentiment_score":-0.08742385978500049}],"sentiment":"neutral","sentiment_score":0.12020084117604814,"channel":0,"num_words":71,"start":793.99,"end":819.29004},{"sentences":[{"text":"One of them took nine months.","start":819.29004,"end":820.83,"sentiment":"neutral","sentiment_score":-0.11384197821219762},{"text":"And that was just Superfunds being weird about details.","start":823.37,"end":827.15,"sentiment":"neutral","sentiment_score":-0.22881325748231676},{"text":"The ACO taking its time to apply bank account details to allow rollovers.","start":827.45,"end":831.79004,"sentiment":"neutral","sentiment_score":-0.2249049853820067},{"text":"Whoever was typing in the details from the SuperStream system was typing in the wrong details of the fund, and then that was bouncing back.","start":833.365,"end":842.40497,"sentiment":"negative","sentiment_score":-0.45459731578826906},{"text":"And then there's this troubleshooting of every single detail for the trust and the company and the accounts.","start":842.40497,"end":849.32,"sentiment":"neutral","sentiment_score":-0.13647108731998336}],"sentiment":"neutral","sentiment_score":-0.2744725135640359,"channel":0,"num_words":71,"start":819.29004,"end":849.32},{"sentences":[{"text":"You've got to make sure you cross reference about 46 digits of data, essentially.","start":849.62,"end":854.36,"sentiment":"neutral","sentiment_score":-0.043384675202625136}],"sentiment":"neutral","sentiment_score":-0.043384675202625136,"channel":0,"num_words":14,"start":849.62,"end":854.36},{"sentences":[{"text":"So with the self managed, we also manage that ourselves.","start":856.99,"end":861.08997,"sentiment":"neutral","sentiment_score":0.043306250125169754},{"text":"That's pretty much what it is about.","start":861.14996,"end":863.22504,"sentiment":"neutral","sentiment_score":0.08654126312051501},{"text":"Is that right?","start":863.22504,"end":864.04504,"sentiment":"neutral","sentiment_score":0.06779254972934723},{"text":"Like, if we","start":864.585,"end":865.625,"sentiment":"neutral","sentiment_score":0.018227248763044674}],"sentiment":"neutral","sentiment_score":0.05638742341619471,"channel":1,"num_words":23,"start":856.99,"end":865.625},{"sentences":[{"text":"Yeah.","start":865.47504,"end":865.955,"sentiment":"neutral","sentiment_score":0.04675671458244324}],"sentiment":"neutral","sentiment_score":0.04675671458244324,"channel":0,"num_words":1,"start":865.47504,"end":865.955},{"sentences":[{"text":"we","start":865.625,"end":866.10504,"sentiment":"neutral","sentiment_score":0.0691562071442604}],"sentiment":"neutral","sentiment_score":0.0691562071442604,"channel":1,"num_words":1,"start":865.625,"end":866.10504},{"sentences":[{"text":"So","start":865.955,"end":866.455,"sentiment":"neutral","sentiment_score":0.09049075841903688}],"sentiment":"neutral","sentiment_score":0.09049075841903688,"channel":0,"num_words":1,"start":865.955,"end":866.455},{"sentences":[{"text":"take everything out and then, obviously, we don't have any but then you you were talking about the investment, the hub, and all of that.","start":866.10504,"end":875.705,"sentiment":"neutral","sentiment_score":0.04780601054430008},{"text":"That's because we're still linked to you guys as a self managed fund.","start":875.705,"end":880.26,"sentiment":"neutral","sentiment_score":0.12340578780724452}],"sentiment":"neutral","sentiment_score":0.07366909223951791,"channel":1,"num_words":38,"start":866.10504,"end":880.26},{"sentences":[{"text":"Yeah.","start":881.615,"end":881.855,"sentiment":"neutral","sentiment_score":0.08175036311149597}],"sentiment":"neutral","sentiment_score":0.08175036311149597,"channel":0,"num_words":1,"start":881.615,"end":881.855},{"sentences":[{"text":"I'm","start":881.76,"end":882.0,"sentiment":"neutral","sentiment_score":0.07067304104566574}],"sentiment":"neutral","sentiment_score":0.07067304104566574,"channel":1,"num_words":1,"start":881.76,"end":882.0},{"sentences":[{"text":"That's","start":881.855,"end":882.095,"sentiment":"neutral","sentiment_score":0.014626438729465008}],"sentiment":"neutral","sentiment_score":0.014626438729465008,"channel":0,"num_words":1,"start":881.855,"end":882.095},{"sentences":[{"text":"not","start":882.0,"end":882.32,"sentiment":"neutral","sentiment_score":-0.04876616597175598}],"sentiment":"neutral","sentiment_score":-0.04876616597175598,"channel":1,"num_words":1,"start":882.0,"end":882.32},{"sentences":[{"text":"a","start":882.095,"end":882.33496,"sentiment":"neutral","sentiment_score":-0.07344216853380203}],"sentiment":"neutral","sentiment_score":-0.07344216853380203,"channel":0,"num_words":1,"start":882.095,"end":882.33496},{"sentences":[{"text":"I'm","start":882.32,"end":882.48,"sentiment":"neutral","sentiment_score":-0.0550990030169487}],"sentiment":"neutral","sentiment_score":-0.0550990030169487,"channel":1,"num_words":1,"start":882.32,"end":882.48},{"sentences":[{"text":"fantastic","start":882.33496,"end":882.83496,"sentiment":"neutral","sentiment_score":0.06553921103477478}],"sentiment":"neutral","sentiment_score":0.06553921103477478,"channel":0,"num_words":1,"start":882.33496,"end":882.83496},{"sentences":[{"text":"not","start":882.48,"end":882.98,"sentiment":"neutral","sentiment_score":0.022496387362480164}],"sentiment":"neutral","sentiment_score":0.022496387362480164,"channel":1,"num_words":1,"start":882.48,"end":882.98},{"sentences":[{"text":"question, and that's a great way","start":882.975,"end":884.65497,"sentiment":"neutral","sentiment_score":0.2787332646548748}],"sentiment":"neutral","sentiment_score":0.2787332646548748,"channel":0,"num_words":6,"start":882.975,"end":884.65497},{"sentences":[{"text":"yeah.","start":884.56,"end":885.06,"sentiment":"positive","sentiment_score":0.34122300148010254}],"sentiment":"positive","sentiment_score":0.34122300148010254,"channel":1,"num_words":1,"start":884.56,"end":885.06},{"sentences":[{"text":"to put it, this.","start":884.65497,"end":885.615,"sentiment":"neutral","sentiment_score":0.12896417453885078},{"text":"So the ones that we're currently looking after at the moment is","start":885.615,"end":890.27496,"sentiment":"neutral","sentiment_score":0.14071925915777683}],"sentiment":"neutral","sentiment_score":0.13778048800304532,"channel":0,"num_words":16,"start":884.65497,"end":890.27496},{"sentences":[{"text":"Yep.","start":890.0,"end":890.5,"sentiment":"neutral","sentiment_score":0.095653735101223}],"sentiment":"neutral","sentiment_score":0.095653735101223,"channel":1,"num_words":1,"start":890.0,"end":890.5},{"sentences":[{"text":"people have that bank account, that property, but then they've","start":890.735,"end":893.615,"sentiment":"neutral","sentiment_score":0.09959714189171791}],"sentiment":"neutral","sentiment_score":0.09959714189171791,"channel":0,"num_words":10,"start":890.735,"end":893.615},{"sentences":[{"text":"Yep.","start":893.50494,"end":894.00494,"sentiment":"neutral","sentiment_score":0.12562164664268494}],"sentiment":"neutral","sentiment_score":0.12562164664268494,"channel":1,"num_words":1,"start":893.50494,"end":894.00494},{"sentences":[{"text":"got, like, a hub or a Macquarie or some sort of investment account linked to it so that","start":893.615,"end":898.68,"sentiment":"neutral","sentiment_score":0.15622152181135285}],"sentiment":"neutral","sentiment_score":0.15622152181135285,"channel":0,"num_words":18,"start":893.615,"end":898.68},{"sentences":[{"text":"Yep.","start":898.46497,"end":898.96497,"sentiment":"neutral","sentiment_score":0.2436482161283493}],"sentiment":"neutral","sentiment_score":0.2436482161283493,"channel":1,"num_words":1,"start":898.46497,"end":898.96497},{"sentences":[{"text":"we can continue to invest funds and give them advice to help with the retirement goals.","start":898.68,"end":903.42,"sentiment":"neutral","sentiment_score":0.27566415071487427}],"sentiment":"neutral","sentiment_score":0.27566415071487427,"channel":0,"num_words":16,"start":898.68,"end":903.42},{"sentences":[{"text":"Right.","start":904.865,"end":905.26495,"sentiment":"neutral","sentiment_score":0.024623140692710876},{"text":"So it's not entirely, you you know, us managing that.","start":905.26495,"end":909.12,"sentiment":"neutral","sentiment_score":-0.07085947459563613},{"text":"We still got, like, in that sense.","start":909.12,"end":912.98,"sentiment":"neutral","sentiment_score":-0.007839328476360865}],"sentiment":"neutral","sentiment_score":-0.04104705025545425,"channel":1,"num_words":18,"start":904.865,"end":912.98},{"sentences":[{"text":"Yeah.","start":914.615,"end":914.935,"sentiment":"neutral","sentiment_score":0.06274165213108063},{"text":"That's right.","start":914.935,"end":915.335,"sentiment":"neutral","sentiment_score":0.15706206113100052},{"text":"A","start":915.335,"end":915.495,"sentiment":"neutral","sentiment_score":0.11168542504310608}],"sentiment":"neutral","sentiment_score":0.12213779985904694,"channel":0,"num_words":4,"start":914.615,"end":915.495},{"sentences":[{"text":"So","start":915.36,"end":915.86,"sentiment":"neutral","sentiment_score":0.1083998754620552}],"sentiment":"neutral","sentiment_score":0.1083998754620552,"channel":1,"num_words":1,"start":915.36,"end":915.86},{"sentences":[{"text":"little bit of help in that sense.","start":915.495,"end":916.775,"sentiment":"neutral","sentiment_score":0.15857843841825212},{"text":"What comes down through for you personally that you have to do is every","start":916.775,"end":921.15,"sentiment":"neutral","sentiment_score":0.1748280759368624}],"sentiment":"neutral","sentiment_score":0.16941153009732565,"channel":0,"num_words":21,"start":915.495,"end":921.15},{"sentences":[{"text":"Mhmm.","start":920.72,"end":921.22,"sentiment":"neutral","sentiment_score":0.09361834824085236}],"sentiment":"neutral","sentiment_score":0.09361834824085236,"channel":1,"num_words":1,"start":920.72,"end":921.22},{"sentences":[{"text":"year, you'll do an audit of the super funds and a tax return for the super funds.","start":921.15,"end":926.67,"sentiment":"neutral","sentiment_score":0.09394468016484205},{"text":"So you'll go to an accountant, get all the reports printed out from your bank account and rental agents and everything, and you'll have to actually go through an audit process and tax return on a yearly basis to maintain that fund every year.","start":926.67,"end":940.03503,"sentiment":"neutral","sentiment_score":0.11950731006535617},{"text":"I think it's about 2,200 a year that they charge most of the county.","start":940.03503,"end":943.73505,"sentiment":"neutral","sentiment_score":0.02236862134720598}],"sentiment":"neutral","sentiment_score":0.09558055872718493,"channel":0,"num_words":75,"start":921.15,"end":943.73505},{"sentences":[{"text":"I see.","start":945.27997,"end":946.1,"sentiment":"neutral","sentiment_score":0.016848085448145866},{"text":"Okay.","start":946.24,"end":946.74,"sentiment":"neutral","sentiment_score":0.03701227158308029},{"text":"Okay.","start":947.555,"end":948.035,"sentiment":"neutral","sentiment_score":0.03212407976388931},{"text":"Look, how do I have","start":948.035,"end":948.675,"sentiment":"neutral","sentiment_score":0.033437291905283925}],"sentiment":"neutral","sentiment_score":0.030002109085520107,"channel":1,"num_words":9,"start":945.27997,"end":948.675},{"sentences":[{"text":"Yeah.","start":948.61,"end":949.11,"sentiment":"neutral","sentiment_score":0.03982465714216232}],"sentiment":"neutral","sentiment_score":0.03982465714216232,"channel":0,"num_words":1,"start":948.61,"end":949.11},{"sentences":[{"text":"to do this in the price?","start":948.675,"end":949.635,"sentiment":"neutral","sentiment_score":0.057017676532268524},{"text":"The the the only problem we consider we consider to buy using the super is because we don't have $40 to pull out of the air in order to pay that deposit,","start":949.635,"end":961.975,"sentiment":"neutral","sentiment_score":-0.1610176272224635}],"sentiment":"neutral","sentiment_score":-0.1265910003138216,"channel":1,"num_words":38,"start":948.675,"end":961.975},{"sentences":[{"text":"Yes.","start":963.535,"end":964.035,"sentiment":"neutral","sentiment_score":-0.014590777456760406}],"sentiment":"neutral","sentiment_score":-0.014590777456760406,"channel":0,"num_words":1,"start":963.535,"end":964.035},{"sentences":[{"text":"which which were they said was, like I I can't remember.","start":964.50995,"end":967.62994,"sentiment":"neutral","sentiment_score":-0.09158454429019582},{"text":"Right?","start":967.62994,"end":968.12994,"sentiment":"neutral","sentiment_score":-0.06710026413202286},{"text":"So what if we were to, like, completely I don't know.","start":968.26996,"end":973.06995,"sentiment":"neutral","sentiment_score":-0.14589338343251834},{"text":"Do you guys help with refinancing?","start":973.06995,"end":974.61,"sentiment":"neutral","sentiment_score":-0.02454897854477167}],"sentiment":"neutral","sentiment_score":-0.09747073587415547,"channel":1,"num_words":29,"start":964.50995,"end":974.61},{"sentences":[{"text":"Yeah.","start":976.75,"end":977.07,"sentiment":"neutral","sentiment_score":0.022502150386571884},{"text":"I mean, we've got, like I said, five different brokers, and I usually do the, you know, general advice and the strategy side of things.","start":977.07,"end":985.07,"sentiment":"neutral","sentiment_score":0.09473921209573746},{"text":"And then it's just trying to link you up with the right people.","start":985.07,"end":987.525,"sentiment":"neutral","sentiment_score":0.10526700489796124},{"text":"I don't know","start":988.005,"end":988.48505,"sentiment":"neutral","sentiment_score":-0.09365899115800858}],"sentiment":"neutral","sentiment_score":0.08282087007093997,"channel":0,"num_words":42,"start":976.75,"end":988.48505},{"sentences":[{"text":"Because","start":988.35504,"end":988.85504,"sentiment":"neutral","sentiment_score":-0.112527534365654}],"sentiment":"neutral","sentiment_score":-0.112527534365654,"channel":1,"num_words":1,"start":988.35504,"end":988.85504},{"sentences":[{"text":"if you guys just use your bank or","start":988.48505,"end":990.565,"sentiment":"neutral","sentiment_score":-0.08063480164855719}],"sentiment":"neutral","sentiment_score":-0.08063480164855719,"channel":0,"num_words":8,"start":988.48505,"end":990.565},{"sentences":[{"text":"yeah.","start":992.34,"end":992.58,"sentiment":"neutral","sentiment_score":-0.10015010833740234},{"text":"Well, we the thing is, maybe that could be another option, like, refinance, borrow, and then just have a new plan in place.","start":992.58,"end":1002.6,"sentiment":"neutral","sentiment_score":0.1297708850191987},{"text":"Does that is that something that would work?","start":1003.935,"end":1006.195,"sentiment":"neutral","sentiment_score":0.17659551091492176},{"text":"Like, so we can get, like, the deposit.","start":1006.335,"end":1008.195,"sentiment":"neutral","sentiment_score":0.09834847552701831},{"text":"Is it enough?","start":1008.495,"end":1009.395,"sentiment":"neutral","sentiment_score":0.017244836936394375}],"sentiment":"neutral","sentiment_score":0.11943875928950864,"channel":1,"num_words":43,"start":992.34,"end":1009.395},{"sentences":[{"text":"I mean, we're still gonna have to borrow the value of the house?","start":1009.695,"end":1013.075,"sentiment":"neutral","sentiment_score":-0.06478899745987012},{"text":"I don't know.","start":1013.695,"end":1014.335,"sentiment":"neutral","sentiment_score":-0.08169353008270264},{"text":"I'm I'm really","start":1014.335,"end":1015.315,"sentiment":"neutral","sentiment_score":-0.05091773594419161}],"sentiment":"neutral","sentiment_score":-0.06526793500310496,"channel":1,"num_words":19,"start":1009.695,"end":1015.315},{"sentences":[{"text":"Yeah.","start":1017.795,"end":1018.295,"sentiment":"neutral","sentiment_score":-0.02495577000081539}],"sentiment":"neutral","sentiment_score":-0.02495577000081539,"channel":0,"num_words":1,"start":1017.795,"end":1018.295},{"sentences":[{"text":"a beginner in this.","start":1017.855,"end":1018.86,"sentiment":"neutral","sentiment_score":-0.009799635503441095}],"sentiment":"neutral","sentiment_score":-0.009799635503441095,"channel":1,"num_words":4,"start":1017.855,"end":1018.86},{"sentences":[{"text":"Have you guys ever had an investment property before?","start":1019.475,"end":1022.21497,"sentiment":"neutral","sentiment_score":0.0025789325849877465}],"sentiment":"neutral","sentiment_score":0.0025789325849877465,"channel":0,"num_words":9,"start":1019.475,"end":1022.21497},{"sentences":[{"text":"No.","start":1022.94,"end":1023.44,"sentiment":"neutral","sentiment_score":-0.10604345798492432},{"text":"We we don't have any program.","start":1023.5,"end":1024.62,"sentiment":"neutral","sentiment_score":-0.14972081407904625},{"text":"Very new to us, and we obviously want to","start":1024.86,"end":1027.74,"sentiment":"neutral","sentiment_score":-0.04171688357988993}],"sentiment":"neutral","sentiment_score":-0.0862387684173882,"channel":1,"num_words":16,"start":1022.94,"end":1027.74},{"sentences":[{"text":"Yep.","start":1027.57,"end":1028.07,"sentiment":"neutral","sentiment_score":0.06156810745596886}],"sentiment":"neutral","sentiment_score":0.06156810745596886,"channel":0,"num_words":1,"start":1027.57,"end":1028.07},{"sentences":[{"text":"to have our foot in the market.","start":1027.74,"end":1029.52,"sentiment":"neutral","sentiment_score":0.08418698608875275},{"text":"We just wanna know, like because obviously, you guys know about our financial I mean, our super.","start":1029.98,"end":1035.595,"sentiment":"neutral","sentiment_score":0.001927809461074717},{"text":"Right?","start":1035.595,"end":1036.095,"sentiment":"neutral","sentiment_score":-0.013518597930669785},{"text":"That that numbers.","start":1036.395,"end":1037.135,"sentiment":"neutral","sentiment_score":-0.03397440413633982},{"text":"And, like, we just want, like,","start":1037.6749,"end":1039.515,"sentiment":"neutral","sentiment_score":0.027945249651869137}],"sentiment":"neutral","sentiment_score":0.019832686795031324,"channel":1,"num_words":34,"start":1027.74,"end":1039.515},{"sentences":[{"text":"Yeah.","start":1039.2351,"end":1039.7351,"sentiment":"neutral","sentiment_score":0.1368369609117508}],"sentiment":"neutral","sentiment_score":0.1368369609117508,"channel":0,"num_words":1,"start":1039.2351,"end":1039.7351},{"sentences":[{"text":"step by step running through what are our options and what would be the what yeah.","start":1039.515,"end":1044.635,"sentiment":"neutral","sentiment_score":0.11303988192230463},{"text":"For us to decide on which way would be good.","start":1044.635,"end":1047.2949,"sentiment":"neutral","sentiment_score":0.1024993360042572},{"text":"Definitely, we we want we're renting at the moment.","start":1047.6,"end":1050.58,"sentiment":"neutral","sentiment_score":0.20914691852198708},{"text":"We're happy where we are.","start":1050.64,"end":1052.0,"sentiment":"positive","sentiment_score":0.43991929292678833},{"text":"You know, we we don't wanna move somewhere far away from where we are.","start":1052.0,"end":1055.76,"sentiment":"neutral","sentiment_score":-0.0482429920562676}],"sentiment":"neutral","sentiment_score":0.11555830209895417,"channel":1,"num_words":54,"start":1039.515,"end":1055.76},{"sentences":[{"text":"Right?","start":1055.76,"end":1056.16,"sentiment":"neutral","sentiment_score":0.07474145293235779},{"text":"And","start":1056.16,"end":1056.66,"sentiment":"neutral","sentiment_score":0.06719698756933212}],"sentiment":"neutral","sentiment_score":0.07096922025084496,"channel":1,"num_words":2,"start":1055.76,"end":1056.66},{"sentences":[{"text":"Yeah.","start":1057.4099,"end":1057.9099,"sentiment":"neutral","sentiment_score":0.08447884023189545}],"sentiment":"neutral","sentiment_score":0.08447884023189545,"channel":0,"num_words":1,"start":1057.4099,"end":1057.9099},{"sentences":[{"text":"so yeah.","start":1057.52,"end":1058.72,"sentiment":"neutral","sentiment_score":0.10325908288359642},{"text":"So yeah.","start":1058.72,"end":1059.84,"sentiment":"neutral","sentiment_score":0.16028007864952087},{"text":"We just want to know the option.","start":1059.84,"end":1060.901,"sentiment":"neutral","sentiment_score":0.21199301310947963},{"text":"You know, we we don't mind getting an investment if that's gonna help us in the future to, you know, borrow and buy or purchase our own place.","start":1060.901,"end":1069.195,"sentiment":"neutral","sentiment_score":0.19781445685241902},{"text":"So it doesn't have","start":1069.495,"end":1070.615,"sentiment":"neutral","sentiment_score":-0.011166979558765888}],"sentiment":"neutral","sentiment_score":0.17453875089454096,"channel":1,"num_words":43,"start":1057.52,"end":1070.615},{"sentences":[{"text":"Yep.","start":1070.465,"end":1070.965,"sentiment":"neutral","sentiment_score":-0.016869250684976578}],"sentiment":"neutral","sentiment_score":-0.016869250684976578,"channel":0,"num_words":1,"start":1070.465,"end":1070.965},{"sentences":[{"text":"to be a a yeah.","start":1070.615,"end":1071.815,"sentiment":"neutral","sentiment_score":-0.017581036314368248},{"text":"Move in.","start":1071.815,"end":1072.375,"sentiment":"neutral","sentiment_score":0.019406212493777275},{"text":"We just want to we just want something to own something.","start":1072.375,"end":1076.715,"sentiment":"neutral","sentiment_score":0.09828038479794156}],"sentiment":"neutral","sentiment_score":0.057332859788503915,"channel":1,"num_words":18,"start":1070.615,"end":1076.715},{"sentences":[{"text":"Yeah.","start":1076.7999,"end":1077.2999,"sentiment":"neutral","sentiment_score":0.07688324898481369}],"sentiment":"neutral","sentiment_score":0.07688324898481369,"channel":0,"num_words":1,"start":1076.7999,"end":1077.2999},{"sentences":[{"text":"Yeah.","start":1078.88,"end":1079.38,"sentiment":"neutral","sentiment_score":0.06413349509239197}],"sentiment":"neutral","sentiment_score":0.06413349509239197,"channel":1,"num_words":1,"start":1078.88,"end":1079.38},{"sentences":[{"text":"Get to put in","start":1079.2,"end":1079.9199,"sentiment":"neutral","sentiment_score":0.04881309065967798}],"sentiment":"neutral","sentiment_score":0.04881309065967798,"channel":0,"num_words":4,"start":1079.2,"end":1079.9199},{"sentences":[{"text":"So","start":1079.84,"end":1080.34,"sentiment":"neutral","sentiment_score":0.022020380944013596}],"sentiment":"neutral","sentiment_score":0.022020380944013596,"channel":1,"num_words":1,"start":1079.84,"end":1080.34},{"sentences":[{"text":"the market and start, you know, building assets personally, I guess, is what you're trying to do.","start":1079.9199,"end":1084.5599,"sentiment":"neutral","sentiment_score":0.03953748557935743},{"text":"Right?","start":1084.5599,"end":1085.0599,"sentiment":"neutral","sentiment_score":0.02183053269982338}],"sentiment":"neutral","sentiment_score":0.03855376597493887,"channel":0,"num_words":18,"start":1079.9199,"end":1085.0599},{"sentences":[{"text":"yeah.","start":1085.6,"end":1086.08,"sentiment":"neutral","sentiment_score":-0.00011355988681316376},{"text":"Exactly.","start":1086.08,"end":1086.58,"sentiment":"neutral","sentiment_score":-0.01489066332578659},{"text":"So it's just that we are obviously super rich, but not well, I wouldn't say rich, but, like, but, you know, like, with all our income, it's all expenses with rent and kids and all that stuff.","start":1086.88,"end":1097.045,"sentiment":"neutral","sentiment_score":-0.08145027829183114},{"text":"So it's just very hard for us.","start":1097.045,"end":1098.805,"sentiment":"neutral","sentiment_score":-0.17486263172967093}],"sentiment":"neutral","sentiment_score":-0.09245006395908802,"channel":1,"num_words":46,"start":1085.6,"end":1098.805},{"sentences":[{"text":"Yeah.","start":1098.575,"end":1099.075,"sentiment":"neutral","sentiment_score":-0.04081389680504799}],"sentiment":"neutral","sentiment_score":-0.04081389680504799,"channel":0,"num_words":1,"start":1098.575,"end":1099.075},{"sentences":[{"text":"So what can we","start":1098.805,"end":1099.8451,"sentiment":"neutral","sentiment_score":-0.03538219630718231}],"sentiment":"neutral","sentiment_score":-0.03538219630718231,"channel":1,"num_words":4,"start":1098.805,"end":1099.8451},{"sentences":[{"text":"So","start":1099.79,"end":1100.11,"sentiment":"neutral","sentiment_score":-0.01438385248184204}],"sentiment":"neutral","sentiment_score":-0.01438385248184204,"channel":0,"num_words":1,"start":1099.79,"end":1100.11},{"sentences":[{"text":"do","start":1099.8451,"end":1100.3451,"sentiment":"neutral","sentiment_score":-0.02125138603150845}],"sentiment":"neutral","sentiment_score":-0.02125138603150845,"channel":1,"num_words":1,"start":1099.8451,"end":1100.3451},{"sentences":[{"text":"you don't have","start":1100.11,"end":1100.75,"sentiment":"neutral","sentiment_score":-0.025184212252497673}],"sentiment":"neutral","sentiment_score":-0.025184212252497673,"channel":0,"num_words":3,"start":1100.11,"end":1100.75},{"sentences":[{"text":"to","start":1100.5651,"end":1101.0651,"sentiment":"neutral","sentiment_score":-0.0272095687687397}],"sentiment":"neutral","sentiment_score":-0.0272095687687397,"channel":1,"num_words":1,"start":1100.5651,"end":1101.0651},{"sentences":[{"text":"that deposit built up at the moment or or property","start":1100.75,"end":1103.54,"sentiment":"neutral","sentiment_score":-0.037929309904575347}],"sentiment":"neutral","sentiment_score":-0.037929309904575347,"channel":0,"num_words":10,"start":1100.75,"end":1103.54},{"sentences":[{"text":"no.","start":1103.365,"end":1103.865,"sentiment":"neutral","sentiment_score":-0.02373543381690979}],"sentiment":"neutral","sentiment_score":-0.02373543381690979,"channel":1,"num_words":1,"start":1103.365,"end":1103.865},{"sentences":[{"text":"to borrow","start":1103.54,"end":1104.19,"sentiment":"neutral","sentiment_score":-0.026061593554913998}],"sentiment":"neutral","sentiment_score":-0.026061593554913998,"channel":0,"num_words":2,"start":1103.54,"end":1104.19},{"sentences":[{"text":"No.","start":1104.0851,"end":1104.5851,"sentiment":"neutral","sentiment_score":-0.0543048083782196}],"sentiment":"neutral","sentiment_score":-0.0543048083782196,"channel":1,"num_words":1,"start":1104.0851,"end":1104.5851},{"sentences":[{"text":"off?","start":1104.19,"end":1104.69,"sentiment":"neutral","sentiment_score":-0.03990085422992706}],"sentiment":"neutral","sentiment_score":-0.03990085422992706,"channel":0,"num_words":1,"start":1104.19,"end":1104.69},{"sentences":[{"text":"No.","start":1105.5599,"end":1105.7999,"sentiment":"neutral","sentiment_score":-0.08073155581951141},{"text":"So and what's doable, what's not.","start":1105.7999,"end":1107.5599,"sentiment":"neutral","sentiment_score":-0.05216196924448013},{"text":"You know, we just need that advice around what we have right now, what can be done, if we need to say, what what is our plan, that kind of thing.","start":1107.5599,"end":1116.5199,"sentiment":"neutral","sentiment_score":-0.027456272573721026},{"text":"Because I think we both of us spoke differently to different advisers before about and then they did briefly talk about self manage and all of that stuff.","start":1116.5199,"end":1127.035,"sentiment":"neutral","sentiment_score":-0.03285079835248845},{"text":"But at that point in time, it was just because I was pregnant and all that and, you know, like, it was just a a lot to to take in.","start":1127.035,"end":1133.59,"sentiment":"neutral","sentiment_score":-0.06679508623977502}],"sentiment":"neutral","sentiment_score":-0.04342211210556949,"channel":1,"num_words":96,"start":1105.5599,"end":1133.59},{"sentences":[{"text":"So well, we're settled now.","start":1133.89,"end":1135.49,"sentiment":"neutral","sentiment_score":0.06901107430458069},{"text":"We've got two kids, so we just want to","start":1135.49,"end":1137.59,"sentiment":"neutral","sentiment_score":0.06146721955802706}],"sentiment":"neutral","sentiment_score":0.06416145339608192,"channel":1,"num_words":14,"start":1133.89,"end":1137.59},{"sentences":[{"text":"Yeah.","start":1138.035,"end":1138.535,"sentiment":"neutral","sentiment_score":0.02800624445080757}],"sentiment":"neutral","sentiment_score":0.02800624445080757,"channel":0,"num_words":1,"start":1138.035,"end":1138.535},{"sentences":[{"text":"do something right now.","start":1138.37,"end":1139.65,"sentiment":"neutral","sentiment_score":0.03567108325660229},{"text":"You know what I mean?","start":1139.65,"end":1140.53,"sentiment":"neutral","sentiment_score":0.01898309774696827},{"text":"So","start":1140.53,"end":1141.01,"sentiment":"neutral","sentiment_score":0.06189410388469696}],"sentiment":"neutral","sentiment_score":0.029949392564594744,"channel":1,"num_words":10,"start":1138.37,"end":1141.01},{"sentences":[{"text":"And the","start":1140.755,"end":1141.155,"sentiment":"neutral","sentiment_score":0.09408661350607872}],"sentiment":"neutral","sentiment_score":0.09408661350607872,"channel":0,"num_words":2,"start":1140.755,"end":1141.155},{"sentences":[{"text":"if","start":1141.09,"end":1141.3301,"sentiment":"neutral","sentiment_score":0.12790441513061523}],"sentiment":"neutral","sentiment_score":0.12790441513061523,"channel":1,"num_words":1,"start":1141.09,"end":1141.3301},{"sentences":[{"text":"cool","start":1141.155,"end":1141.395,"sentiment":"neutral","sentiment_score":0.170741468667984}],"sentiment":"neutral","sentiment_score":0.170741468667984,"channel":0,"num_words":1,"start":1141.155,"end":1141.395},{"sentences":[{"text":"if","start":1141.3301,"end":1141.5701,"sentiment":"neutral","sentiment_score":0.1370280385017395}],"sentiment":"neutral","sentiment_score":0.1370280385017395,"channel":1,"num_words":1,"start":1141.3301,"end":1141.5701},{"sentences":[{"text":"thing","start":1141.395,"end":1141.635,"sentiment":"neutral","sentiment_score":0.1581255942583084}],"sentiment":"neutral","sentiment_score":0.1581255942583084,"channel":0,"num_words":1,"start":1141.395,"end":1141.635},{"sentences":[{"text":"possible.","start":1141.5701,"end":1142.0701,"sentiment":"neutral","sentiment_score":0.12482693791389464}],"sentiment":"neutral","sentiment_score":0.12482693791389464,"channel":1,"num_words":1,"start":1141.5701,"end":1142.0701},{"sentences":[{"text":"too is now that you kind of settled, I have actually given you guys a dedicated adviser, Dana, who's gonna be looking after you as as a couple, and we're able to kind of look at you as a family unit to","start":1141.635,"end":1157.81,"sentiment":"neutral","sentiment_score":0.1381130243341128}],"sentiment":"neutral","sentiment_score":0.1381130243341128,"channel":0,"num_words":42,"start":1141.635,"end":1157.81},{"sentences":[{"text":"Mhmm.","start":1157.595,"end":1158.095,"sentiment":"neutral","sentiment_score":0.06442540884017944}],"sentiment":"neutral","sentiment_score":0.06442540884017944,"channel":1,"num_words":1,"start":1157.595,"end":1158.095},{"sentences":[{"text":"discuss and plan these joint goals rather","start":1157.87,"end":1160.1101,"sentiment":"neutral","sentiment_score":0.07396658084222249}],"sentiment":"neutral","sentiment_score":0.07396658084222249,"channel":0,"num_words":7,"start":1157.87,"end":1160.1101},{"sentences":[{"text":"Mhmm.","start":1159.83,"end":1160.33,"sentiment":"neutral","sentiment_score":0.03617306426167488}],"sentiment":"neutral","sentiment_score":0.03617306426167488,"channel":1,"num_words":1,"start":1159.83,"end":1160.33},{"sentences":[{"text":"than talking to different advisers, getting different opinions sort of thing.","start":1160.1101,"end":1163.985,"sentiment":"neutral","sentiment_score":-0.0004181343723427166}],"sentiment":"neutral","sentiment_score":-0.0004181343723427166,"channel":0,"num_words":11,"start":1160.1101,"end":1163.985},{"sentences":[{"text":"Totally.","start":1163.75,"end":1164.25,"sentiment":"neutral","sentiment_score":0.3034389019012451},{"text":"Yep.","start":1164.47,"end":1164.97,"sentiment":"neutral","sentiment_score":0.2190629541873932},{"text":"Yep.","start":1165.11,"end":1165.61,"sentiment":"neutral","sentiment_score":0.25470471382141113}],"sentiment":"neutral","sentiment_score":0.25906885663668316,"channel":1,"num_words":3,"start":1163.75,"end":1165.61},{"sentences":[{"text":"So that's gonna be really helpful because Dana's fantastic.","start":1165.985,"end":1168.485,"sentiment":"positive","sentiment_score":0.5593352119127909},{"text":"She will go to the end of the year for her clients","start":1168.545,"end":1170.8049,"sentiment":"positive","sentiment_score":0.41086314370234805}],"sentiment":"positive","sentiment_score":0.47449403007825214,"channel":0,"num_words":21,"start":1165.985,"end":1170.8049},{"sentences":[{"text":"Mhmm.","start":1171.2699,"end":1171.75,"sentiment":"neutral","sentiment_score":0.25502821803092957},{"text":"Mhmm.","start":1171.75,"end":1172.25,"sentiment":"neutral","sentiment_score":0.21220740675926208}],"sentiment":"neutral","sentiment_score":0.23361781239509583,"channel":1,"num_words":2,"start":1171.2699,"end":1172.25},{"sentences":[{"text":"all night, every night, and figure out everything that's possible.","start":1171.985,"end":1174.865,"sentiment":"positive","sentiment_score":0.3762505501508713},{"text":"She's brilliant.","start":1174.865,"end":1175.6849,"sentiment":"positive","sentiment_score":0.7828908562660217}],"sentiment":"positive","sentiment_score":0.44402393450339633,"channel":0,"num_words":12,"start":1171.985,"end":1175.6849},{"sentences":[{"text":"Mhmm.","start":1175.8151,"end":1176.3151,"sentiment":"neutral","sentiment_score":0.13022983074188232}],"sentiment":"neutral","sentiment_score":0.13022983074188232,"channel":1,"num_words":1,"start":1175.8151,"end":1176.3151},{"sentences":[{"text":"Now when I look","start":1175.985,"end":1176.785,"sentiment":"neutral","sentiment_score":0.044177474454045296}],"sentiment":"neutral","sentiment_score":0.044177474454045296,"channel":0,"num_words":4,"start":1175.985,"end":1176.785},{"sentences":[{"text":"Yep.","start":1176.775,"end":1177.275,"sentiment":"neutral","sentiment_score":0.02523435465991497}],"sentiment":"neutral","sentiment_score":0.02523435465991497,"channel":1,"num_words":1,"start":1176.775,"end":1177.275},{"sentences":[{"text":"at you guys as a as a couple,","start":1176.785,"end":1178.485,"sentiment":"neutral","sentiment_score":0.032651163754053414}],"sentiment":"neutral","sentiment_score":0.032651163754053414,"channel":0,"num_words":8,"start":1176.785,"end":1178.485},{"sentences":[{"text":"Yep.","start":1179.0951,"end":1179.5951,"sentiment":"neutral","sentiment_score":0.03879429027438164}],"sentiment":"neutral","sentiment_score":0.03879429027438164,"channel":1,"num_words":1,"start":1179.0951,"end":1179.5951},{"sentences":[{"text":"would you would you say that you're kind of first home buyers if you guys owned a property before?","start":1179.79,"end":1184.2101,"sentiment":"neutral","sentiment_score":0.024250920959993413}],"sentiment":"neutral","sentiment_score":0.024250920959993413,"channel":0,"num_words":19,"start":1179.79,"end":1184.2101},{"sentences":[{"text":"Yeah.","start":1184.4551,"end":1184.6951,"sentiment":"neutral","sentiment_score":0.05353707820177078},{"text":"We're a first time buyers.","start":1184.6951,"end":1186.055,"sentiment":"neutral","sentiment_score":0.10314243286848068},{"text":"Yeah.","start":1186.055,"end":1186.535,"sentiment":"neutral","sentiment_score":0.15317022800445557},{"text":"We will be first","start":1186.535,"end":1187.415,"sentiment":"neutral","sentiment_score":0.16062811017036438}],"sentiment":"neutral","sentiment_score":0.12408471920273521,"channel":1,"num_words":11,"start":1184.4551,"end":1187.415},{"sentences":[{"text":"Yep.","start":1187.31,"end":1187.81,"sentiment":"neutral","sentiment_score":0.1835257858037949}],"sentiment":"neutral","sentiment_score":0.1835257858037949,"channel":0,"num_words":1,"start":1187.31,"end":1187.81},{"sentences":[{"text":"time buyers.","start":1187.415,"end":1188.155,"sentiment":"neutral","sentiment_score":0.1636054962873459}],"sentiment":"neutral","sentiment_score":0.1636054962873459,"channel":1,"num_words":2,"start":1187.415,"end":1188.155},{"sentences":[{"text":"So the good thing at","start":1189.9501,"end":1190.99,"sentiment":"positive","sentiment_score":0.4589168906211853}],"sentiment":"positive","sentiment_score":0.4589168906211853,"channel":0,"num_words":5,"start":1189.9501,"end":1190.99},{"sentences":[{"text":"Mhmm.","start":1190.91,"end":1191.41,"sentiment":"positive","sentiment_score":0.4299687445163727}],"sentiment":"positive","sentiment_score":0.4299687445163727,"channel":1,"num_words":1,"start":1190.91,"end":1191.41},{"sentences":[{"text":"least is that it's not the best legislation in the world, but there are those those rules now that people","start":1190.99,"end":1197.635,"sentiment":"neutral","sentiment_score":0.03538138018921018}],"sentiment":"neutral","sentiment_score":0.03538138018921018,"channel":0,"num_words":20,"start":1190.99,"end":1197.635},{"sentences":[{"text":"Mhmm.","start":1197.6226,"end":1198.1226,"sentiment":"neutral","sentiment_score":0.14222800731658936}],"sentiment":"neutral","sentiment_score":0.14222800731658936,"channel":1,"num_words":1,"start":1197.6226,"end":1198.1226},{"sentences":[{"text":"can do, like you said, the 5% deposit, and you get to skip the the LMI for not having a 20% deposit for your first time.","start":1197.635,"end":1205.9551,"sentiment":"neutral","sentiment_score":0.10401285941211078},{"text":"So there's definitely things that the government's trying to do to give","start":1205.9551,"end":1209.64,"sentiment":"neutral","sentiment_score":0.2368492198487123}],"sentiment":"neutral","sentiment_score":0.14596118376051126,"channel":0,"num_words":38,"start":1197.635,"end":1209.64},{"sentences":[{"text":"Yep.","start":1209.615,"end":1210.115,"sentiment":"positive","sentiment_score":0.3394891917705536}],"sentiment":"positive","sentiment_score":0.3394891917705536,"channel":1,"num_words":1,"start":1209.615,"end":1210.115},{"sentences":[{"text":"you guys access to it, and you've","start":1209.64,"end":1211.4801,"sentiment":"positive","sentiment_score":0.4370998314448765}],"sentiment":"positive","sentiment_score":0.4370998314448765,"channel":0,"num_words":7,"start":1209.64,"end":1211.4801},{"sentences":[{"text":"Yep.","start":1211.455,"end":1211.955,"sentiment":"positive","sentiment_score":0.4871741533279419}],"sentiment":"positive","sentiment_score":0.4871741533279419,"channel":1,"num_words":1,"start":1211.455,"end":1211.955},{"sentences":[{"text":"got good income.","start":1211.4801,"end":1212.38,"sentiment":"positive","sentiment_score":0.5060372948646545},{"text":"So at some point, you'll be able to get into it.","start":1212.8401,"end":1216.68,"sentiment":"positive","sentiment_score":0.35213126919486304},{"text":"It's","start":1216.68,"end":1217.0,"sentiment":"neutral","sentiment_score":0.1695522665977478}],"sentiment":"positive","sentiment_score":0.37074054082234703,"channel":0,"num_words":15,"start":1211.4801,"end":1217.0},{"sentences":[{"text":"Yep.","start":1216.895,"end":1217.135,"sentiment":"neutral","sentiment_score":0.1426469385623932}],"sentiment":"neutral","sentiment_score":0.1426469385623932,"channel":1,"num_words":1,"start":1216.895,"end":1217.135},{"sentences":[{"text":"about","start":1217.0,"end":1217.3201,"sentiment":"neutral","sentiment_score":0.10891957581043243}],"sentiment":"neutral","sentiment_score":0.10891957581043243,"channel":0,"num_words":1,"start":1217.0,"end":1217.3201},{"sentences":[{"text":"Yep.","start":1217.135,"end":1217.635,"sentiment":"neutral","sentiment_score":0.1012425348162651}],"sentiment":"neutral","sentiment_score":0.1012425348162651,"channel":1,"num_words":1,"start":1217.135,"end":1217.635},{"sentences":[{"text":"how and when.","start":1217.3201,"end":1218.3,"sentiment":"neutral","sentiment_score":0.07239692161480586}],"sentiment":"neutral","sentiment_score":0.07239692161480586,"channel":0,"num_words":3,"start":1217.3201,"end":1218.3},{"sentences":[{"text":"Exactly.","start":1218.89,"end":1219.39,"sentiment":"neutral","sentiment_score":0.13743318617343905}],"sentiment":"neutral","sentiment_score":0.13743318617343905,"channel":1,"num_words":1,"start":1218.89,"end":1219.39},{"sentences":[{"text":"Now one of the things that you can do is exactly what you said is, do you go for that first home that you own and and live in yourself and then an investment after that?","start":1219.9601,"end":1228.375,"sentiment":"neutral","sentiment_score":0.10569612981958522},{"text":"Or do you get the investment first and then use that as a stepping stone to your own home?","start":1228.375,"end":1232.875,"sentiment":"neutral","sentiment_score":0.09583337134436558}],"sentiment":"neutral","sentiment_score":0.10228899507360024,"channel":0,"num_words":55,"start":1219.9601,"end":1232.875},{"sentences":[{"text":"Yep.","start":1233.285,"end":1233.785,"sentiment":"neutral","sentiment_score":0.047910772264003754}],"sentiment":"neutral","sentiment_score":0.047910772264003754,"channel":1,"num_words":1,"start":1233.285,"end":1233.785},{"sentences":[{"text":"Now that property that you're looking at already for 800,000, that","start":1235.11,"end":1239.27,"sentiment":"neutral","sentiment_score":0.04003000987524336}],"sentiment":"neutral","sentiment_score":0.04003000987524336,"channel":0,"num_words":11,"start":1235.11,"end":1239.27},{"sentences":[{"text":"Yep.","start":1239.2051,"end":1239.7051,"sentiment":"neutral","sentiment_score":0.032901689410209656}],"sentiment":"neutral","sentiment_score":0.032901689410209656,"channel":1,"num_words":1,"start":1239.2051,"end":1239.7051},{"sentences":[{"text":"I'm assuming is it been recently built?","start":1239.27,"end":1241.67,"sentiment":"neutral","sentiment_score":0.018092157585280284},{"text":"It's pretty how long would that property be, the the apartment?","start":1241.67,"end":1245.13,"sentiment":"neutral","sentiment_score":0.019341308962215076}],"sentiment":"neutral","sentiment_score":0.018855527871184878,"channel":0,"num_words":18,"start":1239.27,"end":1245.13},{"sentences":[{"text":"It's it's brand new.","start":1246.405,"end":1247.79,"sentiment":"neutral","sentiment_score":0.06434611696749926},{"text":"It's it's It's a maritime complex that they're about to a new development area that maritime is putting","start":1247.87,"end":1252.91,"sentiment":"neutral","sentiment_score":0.0735252687914504}],"sentiment":"neutral","sentiment_score":0.07185633209618655,"channel":1,"num_words":22,"start":1246.405,"end":1252.91},{"sentences":[{"text":"Yep.","start":1252.845,"end":1253.345,"sentiment":"neutral","sentiment_score":0.104436457157135}],"sentiment":"neutral","sentiment_score":0.104436457157135,"channel":0,"num_words":1,"start":1252.845,"end":1253.345},{"sentences":[{"text":"up.","start":1252.91,"end":1253.41,"sentiment":"neutral","sentiment_score":0.10888390243053436},{"text":"And And they will finish the end of next year.","start":1255.23,"end":1257.65,"sentiment":"neutral","sentiment_score":0.10651319921016693},{"text":"So they're just getting people with who to buy and everything like that.","start":1257.79,"end":1262.1951,"sentiment":"neutral","sentiment_score":0.13071811772309816},{"text":"So","start":1264.8151,"end":1265.3151,"sentiment":"neutral","sentiment_score":0.008294545114040375}],"sentiment":"neutral","sentiment_score":0.11526583880186081,"channel":1,"num_words":25,"start":1252.91,"end":1265.3151},{"sentences":[{"text":"Okay.","start":1266.5599,"end":1267.0599,"sentiment":"neutral","sentiment_score":-0.007459403946995735},{"text":"So I'm definitely gonna say a no on the self managed super route because if it's not finished yet, you may run into even more trouble where the lender just says, no.","start":1267.2,"end":1278.925,"sentiment":"neutral","sentiment_score":-0.2277159618679434},{"text":"We're not gonna we're not gonna approve","start":1279.0651,"end":1280.665,"sentiment":"neutral","sentiment_score":-0.173124760389328}],"sentiment":"neutral","sentiment_score":-0.212656087661162,"channel":0,"num_words":40,"start":1266.5599,"end":1280.665},{"sentences":[{"text":"Got","start":1280.51,"end":1280.75,"sentiment":"neutral","sentiment_score":-0.035461705178022385}],"sentiment":"neutral","sentiment_score":-0.035461705178022385,"channel":1,"num_words":1,"start":1280.51,"end":1280.75},{"sentences":[{"text":"this","start":1280.665,"end":1280.905,"sentiment":"neutral","sentiment_score":-0.010982420295476912}],"sentiment":"neutral","sentiment_score":-0.010982420295476912,"channel":0,"num_words":1,"start":1280.665,"end":1280.905},{"sentences":[{"text":"it.","start":1280.75,"end":1281.25,"sentiment":"neutral","sentiment_score":-0.012235144153237345}],"sentiment":"neutral","sentiment_score":-0.012235144153237345,"channel":1,"num_words":1,"start":1280.75,"end":1281.25},{"sentences":[{"text":"application.","start":1280.905,"end":1281.405,"sentiment":"neutral","sentiment_score":-0.0016250237822532654}],"sentiment":"neutral","sentiment_score":-0.0016250237822532654,"channel":0,"num_words":1,"start":1280.905,"end":1281.405},{"sentences":[{"text":"Yeah.","start":1282.1901,"end":1282.6901,"sentiment":"neutral","sentiment_score":0.07504156231880188}],"sentiment":"neutral","sentiment_score":0.07504156231880188,"channel":1,"num_words":1,"start":1282.1901,"end":1282.6901},{"sentences":[{"text":"But there's a couple of cool things.","start":1282.665,"end":1285.545,"sentiment":"neutral","sentiment_score":0.22209577368838446},{"text":"So because it's new, you get to avoid all those issues of not having to not being able to do negative gearing and things like that because the government","start":1285.545,"end":1294.08,"sentiment":"neutral","sentiment_score":0.10422811618652837}],"sentiment":"neutral","sentiment_score":0.12714682736744484,"channel":0,"num_words":36,"start":1282.665,"end":1294.08},{"sentences":[{"text":"Mhmm.","start":1293.925,"end":1294.005,"sentiment":"neutral","sentiment_score":0.03582601249217987},{"text":"Mhmm.","start":1294.005,"end":1294.505,"sentiment":"neutral","sentiment_score":0.0051918900571763515}],"sentiment":"neutral","sentiment_score":0.02050895127467811,"channel":1,"num_words":2,"start":1293.925,"end":1294.505},{"sentences":[{"text":"wants it to be focused on new properties to get those","start":1294.08,"end":1297.04,"sentiment":"neutral","sentiment_score":0.15514430132779208}],"sentiment":"neutral","sentiment_score":0.15514430132779208,"channel":0,"num_words":11,"start":1294.08,"end":1297.04},{"sentences":[{"text":"Mhmm.","start":1296.965,"end":1297.465,"sentiment":"neutral","sentiment_score":0.15551716089248657}],"sentiment":"neutral","sentiment_score":0.15551716089248657,"channel":1,"num_words":1,"start":1296.965,"end":1297.465},{"sentences":[{"text":"benefits.","start":1297.04,"end":1297.54,"sentiment":"neutral","sentiment_score":0.2671864628791809},{"text":"So a new investment property or your own home, that's your best two options, and that's the route to go.","start":1298.88,"end":1305.075,"sentiment":"positive","sentiment_score":0.46614420115947724},{"text":"Just to sort of take a step back in terms of a few basics of lending here.","start":1306.255,"end":1310.4349,"sentiment":"neutral","sentiment_score":0.05925656394923434},{"text":"So when I got my investment property, we had paid down our mortgage a little bit.","start":1310.495,"end":1315.53,"sentiment":"neutral","sentiment_score":0.053125722450204194},{"text":"So we had a bit of equity, and we basically borrowed a bit off of that home to get the deposit for the next place.","start":1315.53,"end":1324.35,"sentiment":"neutral","sentiment_score":0.048244687616825106}],"sentiment":"neutral","sentiment_score":0.16017165598518487,"channel":0,"num_words":79,"start":1297.04,"end":1324.35},{"sentences":[{"text":"Now the way it kind of works is, let's say, I need a it's an $800,000 property, and I need a $200,000 deposit.","start":1324.65,"end":1334.215,"sentiment":"neutral","sentiment_score":0.09424212866503259},{"text":"So I'm borrowing 200 off my home so that goes up in my repayments increase.","start":1334.835,"end":1340.5,"sentiment":"neutral","sentiment_score":0.10695054133733113},{"text":"But then I only need 600 on the investment property","start":1341.12,"end":1344.74,"sentiment":"neutral","sentiment_score":0.0382391769438982}],"sentiment":"neutral","sentiment_score":0.08654622601655622,"channel":0,"num_words":48,"start":1324.65,"end":1344.74},{"sentences":[{"text":"Mhmm.","start":1346.215,"end":1346.715,"sentiment":"neutral","sentiment_score":0.05913563817739487}],"sentiment":"neutral","sentiment_score":0.05913563817739487,"channel":1,"num_words":1,"start":1346.215,"end":1346.715},{"sentences":[{"text":"to make the full 800,000.","start":1346.8,"end":1348.48,"sentiment":"neutral","sentiment_score":0.0659841887652874},{"text":"So, overall, you've got 800,000 in debt, but 200 you kind of got on your own home paying personally, 600 is on the property.","start":1348.48,"end":1356.665,"sentiment":"neutral","sentiment_score":0.020525554039825995},{"text":"Now what this","start":1357.4451,"end":1358.085,"sentiment":"neutral","sentiment_score":0.13626073797543845}],"sentiment":"neutral","sentiment_score":0.038478639209643006,"channel":0,"num_words":32,"start":1346.8,"end":1358.085},{"sentences":[{"text":"Mhmm.","start":1358.03,"end":1358.53,"sentiment":"neutral","sentiment_score":0.12199717015028}],"sentiment":"neutral","sentiment_score":0.12199717015028,"channel":1,"num_words":1,"start":1358.03,"end":1358.53},{"sentences":[{"text":"kind of means is there's this really cool little trick I do where if you have an $800,000 property, if it's paying you 800 a week rent, that's a 5% rental return.","start":1358.085,"end":1369.75,"sentiment":"neutral","sentiment_score":0.16214296780526638},{"text":"Do you know how much that property would be renting for approximately?","start":1373.01,"end":1375.83,"sentiment":"neutral","sentiment_score":0.0453020411853989},{"text":"Is it $9,001,000,","start":1376.0499,"end":1377.59,"sentiment":"neutral","sentiment_score":0.03772838848332564}],"sentiment":"neutral","sentiment_score":0.12436988573283592,"channel":0,"num_words":47,"start":1358.085,"end":1377.59},{"sentences":[{"text":"Mhmm.","start":1377.245,"end":1377.565,"sentiment":"neutral","sentiment_score":0.042432330548763275},{"text":"Yep.","start":1377.565,"end":1378.065,"sentiment":"neutral","sentiment_score":0.058551885187625885}],"sentiment":"neutral","sentiment_score":0.05049210786819458,"channel":1,"num_words":2,"start":1377.245,"end":1378.065},{"sentences":[{"text":"something","start":1377.8099,"end":1378.21,"sentiment":"neutral","sentiment_score":0.02486717328429222}],"sentiment":"neutral","sentiment_score":0.02486717328429222,"channel":0,"num_words":1,"start":1377.8099,"end":1378.21},{"sentences":[{"text":"Yep.","start":1378.125,"end":1378.5249,"sentiment":"neutral","sentiment_score":0.031231217086315155}],"sentiment":"neutral","sentiment_score":0.031231217086315155,"channel":1,"num_words":1,"start":1378.125,"end":1378.5249},{"sentences":[{"text":"above there?","start":1378.21,"end":1378.95,"sentiment":"neutral","sentiment_score":0.020214726217091084}],"sentiment":"neutral","sentiment_score":0.020214726217091084,"channel":0,"num_words":2,"start":1378.21,"end":1378.95},{"sentences":[{"text":"Around the $9.09 50 mark.","start":1378.5249,"end":1380.7849,"sentiment":"neutral","sentiment_score":0.037144006416201594}],"sentiment":"neutral","sentiment_score":0.037144006416201594,"channel":1,"num_words":5,"start":1378.5249,"end":1380.7849},{"sentences":[{"text":"Yep.","start":1380.705,"end":1381.0419,"sentiment":"neutral","sentiment_score":0.09037138521671297},{"text":"Yep.","start":1381.0419,"end":1381.3788,"sentiment":"neutral","sentiment_score":0.10098125785589218},{"text":"Yep.","start":1381.3788,"end":1381.7157,"sentiment":"neutral","sentiment_score":0.11497100442647934},{"text":"So anything above 800 a week, you're starting to go up to six or 7% rental return.","start":1381.7157,"end":1388.1166,"sentiment":"neutral","sentiment_score":0.17377647319260767},{"text":"And the reason why I say that is because the the interest rates these days, You're going to be paying that 6 or 7% interest rate for that loan.","start":1388.1166,"end":1398.55,"sentiment":"neutral","sentiment_score":0.14083066942362948}],"sentiment":"neutral","sentiment_score":0.1498900633685443,"channel":0,"num_words":49,"start":1380.705,"end":1398.55},{"sentences":[{"text":"So you wanna kind of make sure that it can kind of pay for itself to a degree and that you're","start":1399.0901,"end":1404.37,"sentiment":"neutral","sentiment_score":0.28182149217242286}],"sentiment":"neutral","sentiment_score":0.28182149217242286,"channel":0,"num_words":21,"start":1399.0901,"end":1404.37},{"sentences":[{"text":"Yep.","start":1404.215,"end":1404.715,"sentiment":"neutral","sentiment_score":0.20651952922344208}],"sentiment":"neutral","sentiment_score":0.20651952922344208,"channel":1,"num_words":1,"start":1404.215,"end":1404.715},{"sentences":[{"text":"not forking out $500 a week personally just to keep it running.","start":1404.37,"end":1408.2301,"sentiment":"neutral","sentiment_score":0.002941048393646876}],"sentiment":"neutral","sentiment_score":0.002941048393646876,"channel":0,"num_words":12,"start":1404.37,"end":1408.2301},{"sentences":[{"text":"Yep.","start":1408.72,"end":1409.2,"sentiment":"neutral","sentiment_score":0.24839918315410617},{"text":"Mhmm.","start":1409.2,"end":1409.7,"sentiment":"neutral","sentiment_score":0.17136506736278534}],"sentiment":"neutral","sentiment_score":0.20988212525844574,"channel":1,"num_words":2,"start":1408.72,"end":1409.7},{"sentences":[{"text":"Right?","start":1411.3451,"end":1411.665,"sentiment":"neutral","sentiment_score":0.1693701148033142},{"text":"So negative gearing is okay.","start":1411.665,"end":1413.025,"sentiment":"neutral","sentiment_score":0.15865272283554077},{"text":"Like, if it's a $100 that you're forking out for it and you get to claim some tax deductions, that's good.","start":1413.025,"end":1418.305,"sentiment":"positive","sentiment_score":0.3539370468684605},{"text":"But, you","start":1418.305,"end":1418.785,"sentiment":"neutral","sentiment_score":0.1145719438791275}],"sentiment":"neutral","sentiment_score":0.2973950207233429,"channel":0,"num_words":29,"start":1411.3451,"end":1418.785},{"sentences":[{"text":"Mhmm.","start":1418.72,"end":1418.96,"sentiment":"neutral","sentiment_score":0.06053025275468826}],"sentiment":"neutral","sentiment_score":0.06053025275468826,"channel":1,"num_words":1,"start":1418.72,"end":1418.96},{"sentences":[{"text":"know,","start":1418.785,"end":1419.185,"sentiment":"neutral","sentiment_score":0.04648531600832939}],"sentiment":"neutral","sentiment_score":0.04648531600832939,"channel":0,"num_words":1,"start":1418.785,"end":1419.185},{"sentences":[{"text":"Yep.","start":1418.96,"end":1419.46,"sentiment":"neutral","sentiment_score":0.016822168603539467}],"sentiment":"neutral","sentiment_score":0.016822168603539467,"channel":1,"num_words":1,"start":1418.96,"end":1419.46},{"sentences":[{"text":"you guys don't wanna buy an $800,000 property that costs you 400 a week on top","start":1419.185,"end":1424.19,"sentiment":"neutral","sentiment_score":-0.14514769054949284}],"sentiment":"neutral","sentiment_score":-0.14514769054949284,"channel":0,"num_words":16,"start":1419.185,"end":1424.19},{"sentences":[{"text":"Correct.","start":1424.1749,"end":1424.6749,"sentiment":"neutral","sentiment_score":-0.013737333938479424}],"sentiment":"neutral","sentiment_score":-0.013737333938479424,"channel":1,"num_words":1,"start":1424.1749,"end":1424.6749},{"sentences":[{"text":"of the rent that it brings in.","start":1424.19,"end":1425.73,"sentiment":"neutral","sentiment_score":-0.004517895568694387}],"sentiment":"neutral","sentiment_score":-0.004517895568694387,"channel":0,"num_words":7,"start":1424.19,"end":1425.73},{"sentences":[{"text":"Yeah.","start":1426.1749,"end":1426.6749,"sentiment":"neutral","sentiment_score":0.0483102910220623}],"sentiment":"neutral","sentiment_score":0.0483102910220623,"channel":1,"num_words":1,"start":1426.1749,"end":1426.6749},{"sentences":[{"text":"That's what puts people under very quickly.","start":1426.4299,"end":1428.53,"sentiment":"neutral","sentiment_score":0.06481177359819412}],"sentiment":"neutral","sentiment_score":0.06481177359819412,"channel":0,"num_words":7,"start":1426.4299,"end":1428.53},{"sentences":[{"text":"Yep.","start":1429.0549,"end":1429.5549,"sentiment":"neutral","sentiment_score":0.13000033795833588}],"sentiment":"neutral","sentiment_score":0.13000033795833588,"channel":1,"num_words":1,"start":1429.0549,"end":1429.5549},{"sentences":[{"text":"So $9.50 1,000 starts to get better because you're talking, let's say, 7% interest on a $600,000 loan, but a 7% return on 800,000.","start":1429.39,"end":1440.415,"sentiment":"neutral","sentiment_score":0.21975782110045353},{"text":"So you kind of take into account all your costs and repairs and agent fees.","start":1440.555,"end":1446.0751,"sentiment":"neutral","sentiment_score":0.07256324415405592},{"text":"You're getting close to breaking even with that type of property.","start":1446.0751,"end":1449.135,"sentiment":"neutral","sentiment_score":-0.015500098297541792},{"text":"So I guess the the the problem that I've got though is if you guys don't have the cash available to the deposit, and like you said, you don't have any assets to borrow off at this point.","start":1452.1699,"end":1461.87,"sentiment":"negative","sentiment_score":-0.401186556016144}],"sentiment":"neutral","sentiment_score":-0.10287447546778078,"channel":0,"num_words":88,"start":1429.39,"end":1461.87},{"sentences":[{"text":"Mhmm.","start":1462.37,"end":1462.87,"sentiment":"neutral","sentiment_score":-0.04595997929573059}],"sentiment":"neutral","sentiment_score":-0.04595997929573059,"channel":1,"num_words":1,"start":1462.37,"end":1462.87},{"sentences":[{"text":"So your main thing would be building up that cash buffer to either get your home or get the investment property.","start":1464.635,"end":1471.775,"sentiment":"neutral","sentiment_score":0.08632914154302507},{"text":"Either way is not a bad idea.","start":1471.8351,"end":1473.4551,"sentiment":"neutral","sentiment_score":0.21465709592614854},{"text":"Getting the investment property and then building wealth that way, rents vesting, it's not the worst idea, and buying your home and paying it off to the point to get the investment property is not a bad idea either.","start":1473.675,"end":1484.96,"sentiment":"positive","sentiment_score":0.4290185601283342},{"text":"Both of them are good.","start":1484.96,"end":1486.1599,"sentiment":"positive","sentiment_score":0.6988576054573059},{"text":"You do just need a bit of cash behind you.","start":1486.1599,"end":1488.5,"sentiment":"neutral","sentiment_score":0.21550580710172654}],"sentiment":"neutral","sentiment_score":0.3133729461853097,"channel":0,"num_words":82,"start":1464.635,"end":1488.5},{"sentences":[{"text":"Got it.","start":1489.35,"end":1490.25,"sentiment":"neutral","sentiment_score":0.09559818729758263}],"sentiment":"neutral","sentiment_score":0.09559818729758263,"channel":1,"num_words":2,"start":1489.35,"end":1490.25},{"sentences":[{"text":"K?","start":1492.015,"end":1492.515,"sentiment":"neutral","sentiment_score":0.056400083005428314},{"text":"Now just walk me through briefly as well.","start":1492.575,"end":1495.135,"sentiment":"neutral","sentiment_score":0.07668019831180573},{"text":"So in terms of your own cash flow, you've just gone through, like you said, the children.","start":1495.135,"end":1499.475,"sentiment":"neutral","sentiment_score":0.15544134816702673},{"text":"Everything's kind of more stable now.","start":1500.015,"end":1502.035,"sentiment":"neutral","sentiment_score":0.26383496820926666},{"text":"What's the budget looking like for you guys?","start":1502.81,"end":1504.91,"sentiment":"neutral","sentiment_score":0.08227970730513334}],"sentiment":"neutral","sentiment_score":0.13883980140089988,"channel":0,"num_words":40,"start":1492.015,"end":1504.91},{"sentences":[{"text":"Are you able to put aside a little bit that you know of on a weekly, fortnightly basis?","start":1504.97,"end":1510.19,"sentiment":"neutral","sentiment_score":0.0421636983131369}],"sentiment":"neutral","sentiment_score":0.0421636983131369,"channel":0,"num_words":18,"start":1504.97,"end":1510.19},{"sentences":[{"text":"No.","start":1514.28,"end":1514.6,"sentiment":"neutral","sentiment_score":-0.1343342512845993},{"text":"Because our expenses is is very like, with the TRICARE and everything, it's it's quite expensive.","start":1514.6,"end":1521.34,"sentiment":"neutral","sentiment_score":-0.2784870183095336},{"text":"So it's very","start":1521.72,"end":1522.9199,"sentiment":"neutral","sentiment_score":-0.13285301874081293}],"sentiment":"neutral","sentiment_score":-0.2494342800229788,"channel":1,"num_words":20,"start":1514.28,"end":1522.9199},{"sentences":[{"text":"Yeah.","start":1522.855,"end":1523.355,"sentiment":"neutral","sentiment_score":-0.19342565536499023}],"sentiment":"neutral","sentiment_score":-0.19342565536499023,"channel":0,"num_words":1,"start":1522.855,"end":1523.355},{"sentences":[{"text":"hard.","start":1522.9199,"end":1523.24,"sentiment":"neutral","sentiment_score":-0.2788679599761963},{"text":"We yeah.","start":1523.24,"end":1524.2999,"sentiment":"neutral","sentiment_score":-0.2142995521426201},{"text":"It's very hard for us to everything with everything rising, like, before we we could.","start":1524.44,"end":1530.3251,"sentiment":"neutral","sentiment_score":-0.32806920806566875},{"text":"You know?","start":1531.185,"end":1531.925,"sentiment":"neutral","sentiment_score":-0.15376047044992447},{"text":"But right now, we're we're struggling a little bit with the the finances.","start":1532.0651,"end":1535.845,"sentiment":"negative","sentiment_score":-0.41187586921911973}],"sentiment":"negative","sentiment_score":-0.3421337098786325,"channel":1,"num_words":33,"start":1522.9199,"end":1535.845},{"sentences":[{"text":"Just","start":1537.025,"end":1537.265,"sentiment":"neutral","sentiment_score":-0.1891689896583557}],"sentiment":"neutral","sentiment_score":-0.1891689896583557,"channel":1,"num_words":1,"start":1537.025,"end":1537.265},{"sentences":[{"text":"And","start":1537.09,"end":1537.33,"sentiment":"neutral","sentiment_score":-0.16382266581058502}],"sentiment":"neutral","sentiment_score":-0.16382266581058502,"channel":0,"num_words":1,"start":1537.09,"end":1537.33},{"sentences":[{"text":"this","start":1537.265,"end":1537.425,"sentiment":"neutral","sentiment_score":-0.20405855774879456}],"sentiment":"neutral","sentiment_score":-0.20405855774879456,"channel":1,"num_words":1,"start":1537.265,"end":1537.425},{"sentences":[{"text":"can","start":1537.33,"end":1537.57,"sentiment":"neutral","sentiment_score":-0.15870344638824463}],"sentiment":"neutral","sentiment_score":-0.15870344638824463,"channel":0,"num_words":1,"start":1537.33,"end":1537.57},{"sentences":[{"text":"year","start":1537.425,"end":1537.745,"sentiment":"neutral","sentiment_score":-0.1610928475856781}],"sentiment":"neutral","sentiment_score":-0.1610928475856781,"channel":1,"num_words":1,"start":1537.425,"end":1537.745},{"sentences":[{"text":"I just","start":1537.57,"end":1537.89,"sentiment":"neutral","sentiment_score":-0.14911232888698578}],"sentiment":"neutral","sentiment_score":-0.14911232888698578,"channel":0,"num_words":2,"start":1537.57,"end":1537.89},{"sentences":[{"text":"that","start":1537.745,"end":1537.905,"sentiment":"neutral","sentiment_score":-0.10242287814617156}],"sentiment":"neutral","sentiment_score":-0.10242287814617156,"channel":1,"num_words":1,"start":1537.745,"end":1537.905},{"sentences":[{"text":"say","start":1537.89,"end":1538.0499,"sentiment":"neutral","sentiment_score":-0.11338023841381072}],"sentiment":"neutral","sentiment_score":-0.11338023841381072,"channel":0,"num_words":1,"start":1537.89,"end":1538.0499},{"sentences":[{"text":"we","start":1537.905,"end":1538.0651,"sentiment":"neutral","sentiment_score":-0.11218321323394775}],"sentiment":"neutral","sentiment_score":-0.11218321323394775,"channel":1,"num_words":1,"start":1537.905,"end":1538.0651},{"sentences":[{"text":"as","start":1538.0499,"end":1538.21,"sentiment":"neutral","sentiment_score":-0.13435567915439606}],"sentiment":"neutral","sentiment_score":-0.13435567915439606,"channel":0,"num_words":1,"start":1538.0499,"end":1538.21},{"sentences":[{"text":"we","start":1538.0651,"end":1538.5651,"sentiment":"neutral","sentiment_score":-0.11437803506851196}],"sentiment":"neutral","sentiment_score":-0.11437803506851196,"channel":1,"num_words":1,"start":1538.0651,"end":1538.5651},{"sentences":[{"text":"well just the most of the people I'm talking through this year, 80% of the people I've spoken to are in the same boat?","start":1538.21,"end":1546.885,"sentiment":"neutral","sentiment_score":-0.10666774554799001},{"text":"I have a lot of families who have a combined income of 150 to 250,000.","start":1547.025,"end":1554.245,"sentiment":"neutral","sentiment_score":-0.018304969370365142},{"text":"No one's able to save.","start":1554.865,"end":1556.245,"sentiment":"negative","sentiment_score":-0.4508427381515503},{"text":"No one's building deposits.","start":1557.16,"end":1558.62,"sentiment":"neutral","sentiment_score":-0.2562742680311203},{"text":"People","start":1559.0801,"end":1559.4,"sentiment":"neutral","sentiment_score":-0.1759420782327652}],"sentiment":"neutral","sentiment_score":-0.12836435254739256,"channel":0,"num_words":49,"start":1538.21,"end":1559.4},{"sentences":[{"text":"Yeah.","start":1559.335,"end":1559.835,"sentiment":"neutral","sentiment_score":-0.12984517216682434}],"sentiment":"neutral","sentiment_score":-0.12984517216682434,"channel":1,"num_words":1,"start":1559.335,"end":1559.835},{"sentences":[{"text":"are kind of just punching their budgets and going, like, what do I do?","start":1559.4,"end":1563.0801,"sentiment":"neutral","sentiment_score":-0.22759337829692022},{"text":"Do I get rid of the Netflix?","start":1563.0801,"end":1564.36,"sentiment":"neutral","sentiment_score":-0.17765881759779795},{"text":"So that's only 13","start":1564.36,"end":1565.56,"sentiment":"neutral","sentiment_score":-0.1202192883938551}],"sentiment":"neutral","sentiment_score":-0.19643184691667556,"channel":0,"num_words":25,"start":1559.4,"end":1565.56},{"sentences":[{"text":"Mhmm.","start":1565.47,"end":1565.97,"sentiment":"neutral","sentiment_score":-0.08732323348522186}],"sentiment":"neutral","sentiment_score":-0.08732323348522186,"channel":1,"num_words":1,"start":1565.47,"end":1565.97},{"sentences":[{"text":"dollars a month.","start":1565.56,"end":1566.12,"sentiment":"neutral","sentiment_score":-0.1044949193795522},{"text":"That's not a deposit.","start":1566.12,"end":1567.18,"sentiment":"neutral","sentiment_score":-0.23829657211899757},{"text":"If you looked at your budget, I would be I would kind of guess that you're not doing anything too majorly wrong.","start":1568.4401,"end":1575.8849,"sentiment":"neutral","sentiment_score":-0.23568700592626224},{"text":"Like, I I haven't looked at it with you, and it's something","start":1575.8849,"end":1578.6849,"sentiment":"neutral","sentiment_score":-0.16825789461533228}],"sentiment":"neutral","sentiment_score":-0.2066068271311318,"channel":0,"num_words":41,"start":1565.56,"end":1578.6849},{"sentences":[{"text":"Mhmm.","start":1578.4299,"end":1578.9299,"sentiment":"neutral","sentiment_score":-0.0951688289642334}],"sentiment":"neutral","sentiment_score":-0.0951688289642334,"channel":1,"num_words":1,"start":1578.4299,"end":1578.9299},{"sentences":[{"text":"that we","start":1578.6849,"end":1579.0049,"sentiment":"neutral","sentiment_score":-0.08339482173323631}],"sentiment":"neutral","sentiment_score":-0.08339482173323631,"channel":0,"num_words":2,"start":1578.6849,"end":1579.0049},{"sentences":[{"text":"Mhmm.","start":1578.945,"end":1579.445,"sentiment":"neutral","sentiment_score":-0.027268104255199432}],"sentiment":"neutral","sentiment_score":-0.027268104255199432,"channel":1,"num_words":1,"start":1578.945,"end":1579.445},{"sentences":[{"text":"do do.","start":1579.0049,"end":1579.4049,"sentiment":"neutral","sentiment_score":-0.0031086308881640434},{"text":"We do break down budgets with people and see if there is anything glaring that we can point out, but the whole country is kind of in that same boat.","start":1579.4049,"end":1587.4249,"sentiment":"neutral","sentiment_score":-0.09140122371415298}],"sentiment":"neutral","sentiment_score":-0.08588293666252866,"channel":0,"num_words":32,"start":1579.0049,"end":1587.4249},{"sentences":[{"text":"Yep.","start":1586.9325,"end":1587.4325,"sentiment":"neutral","sentiment_score":0.024840056896209717}],"sentiment":"neutral","sentiment_score":0.024840056896209717,"channel":1,"num_words":1,"start":1586.9325,"end":1587.4325},{"sentences":[{"text":"If you're not living in the cheapest suburb of Queensland or Western Australia or in the country of New South Wales areas, nobody in the major centers is actually getting ahead right now despite having that good,","start":1588.0701,"end":1601.61,"sentiment":"neutral","sentiment_score":-0.1206535517766669}],"sentiment":"neutral","sentiment_score":-0.1206535517766669,"channel":0,"num_words":37,"start":1588.0701,"end":1601.61},{"sentences":[{"text":"Mhmm.","start":1601.88,"end":1602.38,"sentiment":"neutral","sentiment_score":-0.06103024631738663}],"sentiment":"neutral","sentiment_score":-0.06103024631738663,"channel":1,"num_words":1,"start":1601.88,"end":1602.38},{"sentences":[{"text":"you know, dual","start":1602.045,"end":1603.0851,"sentiment":"neutral","sentiment_score":-0.04802489777406057}],"sentiment":"neutral","sentiment_score":-0.04802489777406057,"channel":0,"num_words":3,"start":1602.045,"end":1603.0851},{"sentences":[{"text":"Yeah.","start":1602.8401,"end":1603.24,"sentiment":"neutral","sentiment_score":-0.013145108707249165}],"sentiment":"neutral","sentiment_score":-0.013145108707249165,"channel":1,"num_words":1,"start":1602.8401,"end":1603.24},{"sentences":[{"text":"six","start":1603.0851,"end":1603.3251,"sentiment":"neutral","sentiment_score":-0.00841785129159689}],"sentiment":"neutral","sentiment_score":-0.00841785129159689,"channel":0,"num_words":1,"start":1603.0851,"end":1603.3251},{"sentences":[{"text":"Income.","start":1603.24,"end":1603.74,"sentiment":"neutral","sentiment_score":-0.028133701533079147}],"sentiment":"neutral","sentiment_score":-0.028133701533079147,"channel":1,"num_words":1,"start":1603.24,"end":1603.74},{"sentences":[{"text":"figure incomes.","start":1603.3251,"end":1604.145,"sentiment":"neutral","sentiment_score":-0.023373868316411972}],"sentiment":"neutral","sentiment_score":-0.023373868316411972,"channel":0,"num_words":2,"start":1603.3251,"end":1604.145},{"sentences":[{"text":"Yeah.","start":1604.04,"end":1604.54,"sentiment":"neutral","sentiment_score":-0.08248329907655716}],"sentiment":"neutral","sentiment_score":-0.08248329907655716,"channel":1,"num_words":1,"start":1604.04,"end":1604.54},{"sentences":[{"text":"So I guess it sounds kind of a a bit of defeatism to say like, oh, what can you do?","start":1606.365,"end":1611.9651,"sentiment":"negative","sentiment_score":-0.3483109317719936},{"text":"You just kind of get stuck.","start":1611.9651,"end":1613.425,"sentiment":"negative","sentiment_score":-0.39053892095883685},{"text":"But what","start":1613.485,"end":1614.045,"sentiment":"neutral","sentiment_score":-0.08387653529644012}],"sentiment":"negative","sentiment_score":-0.3384716154209205,"channel":0,"num_words":28,"start":1606.365,"end":1614.045},{"sentences":[{"text":"Yeah.","start":1613.975,"end":1614.475,"sentiment":"neutral","sentiment_score":-0.08909037709236145}],"sentiment":"neutral","sentiment_score":-0.08909037709236145,"channel":1,"num_words":1,"start":1613.975,"end":1614.475},{"sentences":[{"text":"I've been telling people that this is usually temporary to the point where we go through these periods where the majority","start":1614.045,"end":1622.07,"sentiment":"neutral","sentiment_score":-0.06720058016833805}],"sentiment":"neutral","sentiment_score":-0.06720058016833805,"channel":0,"num_words":21,"start":1614.045,"end":1622.07},{"sentences":[{"text":"Mhmm.","start":1621.68,"end":1622.18,"sentiment":"neutral","sentiment_score":-0.08284838497638702}],"sentiment":"neutral","sentiment_score":-0.08284838497638702,"channel":1,"num_words":1,"start":1621.68,"end":1622.18},{"sentences":[{"text":"of our generation kind of struggle for that decade, whether it's a recession or or a depression or something","start":1622.07,"end":1627.99,"sentiment":"neutral","sentiment_score":-0.18575148441289602}],"sentiment":"neutral","sentiment_score":-0.18575148441289602,"channel":0,"num_words":19,"start":1622.07,"end":1627.99},{"sentences":[{"text":"Mhmm.","start":1627.6875,"end":1628.1875,"sentiment":"neutral","sentiment_score":-0.13744336366653442}],"sentiment":"neutral","sentiment_score":-0.13744336366653442,"channel":1,"num_words":1,"start":1627.6875,"end":1628.1875},{"sentences":[{"text":"like that, but it never lasts thirty, forty, fifty years.","start":1627.99,"end":1632.325,"sentiment":"neutral","sentiment_score":-0.14903682991862297},{"text":"Not that you have to wait thirty years to get your first property, but I'm just saying","start":1634.225,"end":1638.625,"sentiment":"neutral","sentiment_score":0.009517413947512121}],"sentiment":"neutral","sentiment_score":-0.04920638007698236,"channel":0,"num_words":27,"start":1627.99,"end":1638.625},{"sentences":[{"text":"Yep.","start":1638.4149,"end":1638.9149,"sentiment":"neutral","sentiment_score":0.2820543050765991}],"sentiment":"neutral","sentiment_score":0.2820543050765991,"channel":1,"num_words":1,"start":1638.4149,"end":1638.9149},{"sentences":[{"text":"that, like, just take some heart in the fact that you're not doing something astronomically wrong and everyone else is having a great time.","start":1638.625,"end":1645.2301,"sentiment":"positive","sentiment_score":0.40246826348205406},{"text":"It's like we're all kind of in the same boat.","start":1645.2301,"end":1647.25,"sentiment":"positive","sentiment_score":0.3898869901895523}],"sentiment":"positive","sentiment_score":0.3987678889842594,"channel":0,"num_words":34,"start":1638.625,"end":1647.25},{"sentences":[{"text":"Mhmm.","start":1647.5349,"end":1647.9349,"sentiment":"neutral","sentiment_score":0.09803539514541626},{"text":"Yep.","start":1647.9349,"end":1648.41,"sentiment":"neutral","sentiment_score":0.1219811737537384}],"sentiment":"neutral","sentiment_score":0.11000828444957733,"channel":1,"num_words":2,"start":1647.5349,"end":1648.41},{"sentences":[{"text":"Yep.","start":1649.63,"end":1650.03,"sentiment":"neutral","sentiment_score":0.09649067372083664},{"text":"Even myself.","start":1650.03,"end":1650.77,"sentiment":"neutral","sentiment_score":0.12043348327279091},{"text":"So I've got investments.","start":1650.91,"end":1652.3501,"sentiment":"neutral","sentiment_score":0.14091063290834427},{"text":"I've got investment properties, good income, free children, and so on.","start":1652.3501,"end":1656.4501,"sentiment":"neutral","sentiment_score":0.22751389985734766},{"text":"We're kind of just been in the holding pattern for two years now where we're just trying to keep things moving because everything's gone up.","start":1656.625,"end":1664.3049,"sentiment":"neutral","sentiment_score":0.13053408354520799}],"sentiment":"neutral","sentiment_score":0.15504663160374,"channel":0,"num_words":43,"start":1649.63,"end":1664.3049},{"sentences":[{"text":"The the groceries is $3.04, 500 a week.","start":1664.3049,"end":1667.6649,"sentiment":"neutral","sentiment_score":0.03850862826220691},{"text":"The","start":1667.6649,"end":1667.9049,"sentiment":"neutral","sentiment_score":-0.012097761034965515}],"sentiment":"neutral","sentiment_score":0.032885696118076645,"channel":0,"num_words":9,"start":1664.3049,"end":1667.9049},{"sentences":[{"text":"Yeah.","start":1667.715,"end":1667.875,"sentiment":"neutral","sentiment_score":-0.015685809776186943},{"text":"It's","start":1667.875,"end":1668.115,"sentiment":"neutral","sentiment_score":-0.06239987537264824}],"sentiment":"neutral","sentiment_score":-0.03904284257441759,"channel":1,"num_words":2,"start":1667.715,"end":1668.115},{"sentences":[{"text":"electricity","start":1667.9049,"end":1668.4049,"sentiment":"neutral","sentiment_score":-0.01677539199590683}],"sentiment":"neutral","sentiment_score":-0.01677539199590683,"channel":0,"num_words":1,"start":1667.9049,"end":1668.4049},{"sentences":[{"text":"crazy.","start":1668.115,"end":1668.615,"sentiment":"neutral","sentiment_score":-0.033566366881132126}],"sentiment":"neutral","sentiment_score":-0.033566366881132126,"channel":1,"num_words":1,"start":1668.115,"end":1668.615},{"sentences":[{"text":"is a thousand","start":1668.465,"end":1669.105,"sentiment":"neutral","sentiment_score":0.018649373203516006}],"sentiment":"neutral","sentiment_score":0.018649373203516006,"channel":0,"num_words":3,"start":1668.465,"end":1669.105},{"sentences":[{"text":"Yep.","start":1668.755,"end":1669.255,"sentiment":"neutral","sentiment_score":0.018703658133745193}],"sentiment":"neutral","sentiment_score":0.018703658133745193,"channel":1,"num_words":1,"start":1668.755,"end":1669.255},{"sentences":[{"text":"a quarter, but we've got solar and it's just like everywhere I look, there's just money flooding out for everything under the sun.","start":1669.105,"end":1676.51,"sentiment":"neutral","sentiment_score":-0.00023608166805428007}],"sentiment":"neutral","sentiment_score":-0.00023608166805428007,"channel":0,"num_words":23,"start":1669.105,"end":1676.51},{"sentences":[{"text":"Yep.","start":1677.075,"end":1677.575,"sentiment":"neutral","sentiment_score":0.11464612931013109}],"sentiment":"neutral","sentiment_score":0.11464612931013109,"channel":1,"num_words":1,"start":1677.075,"end":1677.575},{"sentences":[{"text":"So one thing that definitely budget assistance, we can send","start":1678.8899,"end":1683.7699,"sentiment":"neutral","sentiment_score":0.1537940099835396}],"sentiment":"neutral","sentiment_score":0.1537940099835396,"channel":0,"num_words":10,"start":1678.8899,"end":1683.7699},{"sentences":[{"text":"Yep.","start":1683.69,"end":1684.19,"sentiment":"neutral","sentiment_score":0.13374610245227814}],"sentiment":"neutral","sentiment_score":0.13374610245227814,"channel":1,"num_words":1,"start":1683.69,"end":1684.19},{"sentences":[{"text":"through a budget planner, fill that in.","start":1683.7699,"end":1686.225,"sentiment":"neutral","sentiment_score":0.1434455407517297},{"text":"If there's anything that I can notice with Dana that's glaringly obvious, we'll let you know.","start":1686.225,"end":1691.4451,"sentiment":"neutral","sentiment_score":-0.0026075493078678846}],"sentiment":"neutral","sentiment_score":0.041843391145053116,"channel":0,"num_words":23,"start":1683.7699,"end":1691.4451},{"sentences":[{"text":"Mhmm.","start":1691.69,"end":1692.19,"sentiment":"neutral","sentiment_score":0.049286358058452606}],"sentiment":"neutral","sentiment_score":0.049286358058452606,"channel":1,"num_words":1,"start":1691.69,"end":1692.19},{"sentences":[{"text":"Outside of","start":1691.745,"end":1692.305,"sentiment":"neutral","sentiment_score":0.12353573366999626}],"sentiment":"neutral","sentiment_score":0.12353573366999626,"channel":0,"num_words":2,"start":1691.745,"end":1692.305},{"sentences":[{"text":"Yep.","start":1692.25,"end":1692.75,"sentiment":"neutral","sentiment_score":0.08718012273311615}],"sentiment":"neutral","sentiment_score":0.08718012273311615,"channel":1,"num_words":1,"start":1692.25,"end":1692.75},{"sentences":[{"text":"that, when we can get some cash built up, we've got all the brokers that can get you the best best loans, best structures for you guys, whether it's your own home or an investment.","start":1692.305,"end":1702.7,"sentiment":"neutral","sentiment_score":0.27478004076651164}],"sentiment":"neutral","sentiment_score":0.27478004076651164,"channel":0,"num_words":35,"start":1692.305,"end":1702.7},{"sentences":[{"text":"Yep.","start":1703.135,"end":1703.635,"sentiment":"positive","sentiment_score":0.35315197706222534}],"sentiment":"positive","sentiment_score":0.35315197706222534,"channel":1,"num_words":1,"start":1703.135,"end":1703.635},{"sentences":[{"text":"We've got the professional network available for you guys.","start":1703.16,"end":1706.22,"sentiment":"positive","sentiment_score":0.4144589470492469}],"sentiment":"positive","sentiment_score":0.4144589470492469,"channel":0,"num_words":9,"start":1703.16,"end":1706.22},{"sentences":[{"text":"Mhmm.","start":1706.895,"end":1707.0549,"sentiment":"neutral","sentiment_score":0.11675933003425598},{"text":"Yep.","start":1707.0549,"end":1707.54,"sentiment":"neutral","sentiment_score":0.14506766200065613},{"text":"Sure.","start":1708.8201,"end":1709.3201,"sentiment":"neutral","sentiment_score":0.13583660125732422}],"sentiment":"neutral","sentiment_score":0.1325545310974121,"channel":1,"num_words":3,"start":1706.895,"end":1709.3201},{"sentences":[{"text":"Just to kind of cycle back to the start of the conversation, I don't think you should put yourself through the stress of trying","start":1709.24,"end":1715.445,"sentiment":"neutral","sentiment_score":-0.2171194260008633}],"sentiment":"neutral","sentiment_score":-0.2171194260008633,"channel":0,"num_words":24,"start":1709.24,"end":1715.445},{"sentences":[{"text":"Mhmm.","start":1715.14,"end":1715.64,"sentiment":"neutral","sentiment_score":-0.224360853433609}],"sentiment":"neutral","sentiment_score":-0.224360853433609,"channel":1,"num_words":1,"start":1715.14,"end":1715.64},{"sentences":[{"text":"to set up a a super fund to buy a property right now because it's stressful enough normally, and I've been doing it for twelve years now.","start":1715.445,"end":1724.665,"sentiment":"neutral","sentiment_score":-0.22548218899303013},{"text":"SMSFs are quite stressful to to set up and also run.","start":1725.045,"end":1728.825,"sentiment":"negative","sentiment_score":-0.43717976862734015}],"sentiment":"neutral","sentiment_score":-0.28676306730822515,"channel":0,"num_words":38,"start":1715.445,"end":1728.825},{"sentences":[{"text":"Mhmm.","start":1729.115,"end":1729.615,"sentiment":"neutral","sentiment_score":-0.1042117327451706}],"sentiment":"neutral","sentiment_score":-0.1042117327451706,"channel":1,"num_words":1,"start":1729.115,"end":1729.615},{"sentences":[{"text":"And this cutoff period where if we start on Monday, we've got thirty nine days, I've never seen anything like it before.","start":1729.18,"end":1736.64,"sentiment":"neutral","sentiment_score":-0.22537341713905334}],"sentiment":"neutral","sentiment_score":-0.22537341713905334,"channel":0,"num_words":22,"start":1729.18,"end":1736.64},{"sentences":[{"text":"Mhmm.","start":1737.13,"end":1737.63,"sentiment":"neutral","sentiment_score":-0.07734396308660507},{"text":"No.","start":1738.89,"end":1739.05,"sentiment":"neutral","sentiment_score":-0.2585473656654358},{"text":"That's good","start":1739.05,"end":1739.61,"sentiment":"neutral","sentiment_score":-0.13087712600827217}],"sentiment":"neutral","sentiment_score":-0.1494113951921463,"channel":1,"num_words":4,"start":1737.13,"end":1739.61},{"sentences":[{"text":"So","start":1739.5801,"end":1739.98,"sentiment":"neutral","sentiment_score":-0.14149527251720428}],"sentiment":"neutral","sentiment_score":-0.14149527251720428,"channel":0,"num_words":1,"start":1739.5801,"end":1739.98},{"sentences":[{"text":"advice.","start":1739.61,"end":1740.0901,"sentiment":"neutral","sentiment_score":-0.1172364577651024}],"sentiment":"neutral","sentiment_score":-0.1172364577651024,"channel":1,"num_words":1,"start":1739.61,"end":1740.0901},{"sentences":[{"text":"I'm","start":1739.98,"end":1740.22,"sentiment":"neutral","sentiment_score":-0.02741744928061962}],"sentiment":"neutral","sentiment_score":-0.02741744928061962,"channel":0,"num_words":1,"start":1739.98,"end":1740.22},{"sentences":[{"text":"Yep.","start":1740.0901,"end":1740.5901,"sentiment":"neutral","sentiment_score":-0.02308996021747589}],"sentiment":"neutral","sentiment_score":-0.02308996021747589,"channel":1,"num_words":1,"start":1740.0901,"end":1740.5901},{"sentences":[{"text":"at that point where I would love to say, yeah.","start":1740.22,"end":1742.955,"sentiment":"neutral","sentiment_score":-0.034028990939259526},{"text":"We'll charge you some money, and we'll set this up, and I'll promise you everything under the sun.","start":1742.955,"end":1746.3151,"sentiment":"neutral","sentiment_score":-0.013428680702216096},{"text":"But for everything","start":1746.3151,"end":1747.035,"sentiment":"neutral","sentiment_score":-0.0979963093996048}],"sentiment":"neutral","sentiment_score":-0.028257906136493528,"channel":0,"num_words":31,"start":1740.22,"end":1747.035},{"sentences":[{"text":"Yep.","start":1746.89,"end":1747.39,"sentiment":"neutral","sentiment_score":-0.08745911717414856}],"sentiment":"neutral","sentiment_score":-0.08745911717414856,"channel":1,"num_words":1,"start":1746.89,"end":1747.39},{"sentences":[{"text":"to line up between the broker, the accountants, the banks, the advisers, the application, the accounts, something's gonna go wrong.","start":1747.035,"end":1753.835,"sentiment":"neutral","sentiment_score":-0.14017001520842315},{"text":"Something's gonna delay it for a week.","start":1753.835,"end":1755.195,"sentiment":"negative","sentiment_score":-0.453786769083568},{"text":"It happens every day.","start":1755.195,"end":1756.26,"sentiment":"neutral","sentiment_score":-0.2742339000105858}],"sentiment":"neutral","sentiment_score":-0.22828526734825103,"channel":0,"num_words":31,"start":1747.035,"end":1756.26},{"sentences":[{"text":"Yeah.","start":1756.785,"end":1757.285,"sentiment":"neutral","sentiment_score":-0.09064875543117525}],"sentiment":"neutral","sentiment_score":-0.09064875543117525,"channel":1,"num_words":1,"start":1756.785,"end":1757.285},{"sentences":[{"text":"You know what I mean?","start":1758.5,"end":1759.56,"sentiment":"neutral","sentiment_score":-0.1087292492389679}],"sentiment":"neutral","sentiment_score":-0.1087292492389679,"channel":0,"num_words":5,"start":1758.5,"end":1759.56},{"sentences":[{"text":"Yeah.","start":1759.5851,"end":1760.0651,"sentiment":"neutral","sentiment_score":-0.03184813633561134},{"text":"Yeah.","start":1760.0651,"end":1760.52,"sentiment":"neutral","sentiment_score":0.0183333083987236}],"sentiment":"neutral","sentiment_score":-0.006757413968443872,"channel":1,"num_words":2,"start":1759.5851,"end":1760.52},{"sentences":[{"text":"Yeah.","start":1761.7,"end":1762.2,"sentiment":"neutral","sentiment_score":0.045791398733854294},{"text":"So if you're comfortable, I I wish I could just hop on this call and just give you quick easy answers and be like, yep.","start":1762.26,"end":1768.1,"sentiment":"neutral","sentiment_score":0.16735738307237624},{"text":"You're gonna have a property in your super tomorrow and another one to live in a year later.","start":1768.1,"end":1772.865,"sentiment":"neutral","sentiment_score":0.24834185486866367},{"text":"We have to go through this sort of slow twelve to twenty four month period of either being very, very deliberate about what we do with every dollar or just waiting for things to kind of ease up a little bit when the","start":1773.325,"end":1787.23,"sentiment":"neutral","sentiment_score":-0.27109018955812897}],"sentiment":"neutral","sentiment_score":-0.03398849181402689,"channel":0,"num_words":87,"start":1761.7,"end":1787.23},{"sentences":[{"text":"Mhmm.","start":1787.215,"end":1787.295,"sentiment":"neutral","sentiment_score":-0.10310111939907074}],"sentiment":"neutral","sentiment_score":-0.10310111939907074,"channel":1,"num_words":1,"start":1787.215,"end":1787.295},{"sentences":[{"text":"economy","start":1787.23,"end":1787.71,"sentiment":"neutral","sentiment_score":-0.11965110898017885}],"sentiment":"neutral","sentiment_score":-0.11965110898017885,"channel":0,"num_words":1,"start":1787.23,"end":1787.71},{"sentences":[{"text":"Mhmm.","start":1787.295,"end":1787.375,"sentiment":"neutral","sentiment_score":-0.09742690622806548},{"text":"Yep.","start":1787.375,"end":1787.875,"sentiment":"neutral","sentiment_score":-0.12100423872470856}],"sentiment":"neutral","sentiment_score":-0.10921557247638702,"channel":1,"num_words":2,"start":1787.295,"end":1787.875},{"sentences":[{"text":"comes down.","start":1787.71,"end":1788.53,"sentiment":"neutral","sentiment_score":-0.2254689633846283}],"sentiment":"neutral","sentiment_score":-0.2254689633846283,"channel":0,"num_words":2,"start":1787.71,"end":1788.53},{"sentences":[{"text":"Mhmm.","start":1789.055,"end":1789.555,"sentiment":"neutral","sentiment_score":-0.04630561918020248}],"sentiment":"neutral","sentiment_score":-0.04630561918020248,"channel":1,"num_words":1,"start":1789.055,"end":1789.555},{"sentences":[{"text":"K?","start":1789.63,"end":1790.13,"sentiment":"neutral","sentiment_score":-0.011204607784748076}],"sentiment":"neutral","sentiment_score":-0.011204607784748076,"channel":0,"num_words":1,"start":1789.63,"end":1790.13},{"sentences":[{"text":"Yep.","start":1790.095,"end":1790.595,"sentiment":"neutral","sentiment_score":0.06977811455726624}],"sentiment":"neutral","sentiment_score":0.06977811455726624,"channel":1,"num_words":1,"start":1790.095,"end":1790.595},{"sentences":[{"text":"Would you guys like me to send through a bit of a budget planner, get Dana to kind of break it down with you and kind of see if we can notice anything, or do you feel pretty confident with your own cash flow?","start":1790.35,"end":1801.485,"sentiment":"neutral","sentiment_score":0.1795382205058228}],"sentiment":"neutral","sentiment_score":0.1795382205058228,"channel":0,"num_words":44,"start":1790.35,"end":1801.485},{"sentences":[{"text":"I don't mind you sending it through just for us to have a look.","start":1804.135,"end":1809.595,"sentiment":"neutral","sentiment_score":0.14816586886133468},{"text":"The other thing is, like, you know, I do take your advice and, you know, we really need to sit, you know, well, my husband and I, not you, to sit down and and and go through what, you know, our, you know, our cash flows and and what we can cut out and save and all that stuff.","start":1811.895,"end":1829.6951,"sentiment":"neutral","sentiment_score":-0.13621780036364572},{"text":"And it's good to hear that people are also struggling.","start":1829.6951,"end":1832.655,"sentiment":"neutral","sentiment_score":0.05111800730228424},{"text":"It's just not us.","start":1832.655,"end":1833.615,"sentiment":"negative","sentiment_score":-0.356798455119133},{"text":"We're not the the only one.","start":1833.615,"end":1835.4551,"sentiment":"neutral","sentiment_score":-0.3269765377044678}],"sentiment":"neutral","sentiment_score":-0.09505807560297751,"channel":1,"num_words":93,"start":1804.135,"end":1835.4551},{"sentences":[{"text":"You know?","start":1835.4551,"end":1836.115,"sentiment":"neutral","sentiment_score":-0.2136908620595932},{"text":"So yeah.","start":1836.495,"end":1838.3351,"sentiment":"neutral","sentiment_score":-0.20178045332431793},{"text":"And like you said, you know, I think it's gonna be, you know, another eighteen, twenty four months for that to to kind of settle it or whatnot and and for us to change our financial circumstances, and then we can discuss again.","start":1838.3351,"end":1854.6,"sentiment":"neutral","sentiment_score":-0.3048019138879554},{"text":"But definitely, I agree.","start":1854.6,"end":1857.16,"sentiment":"neutral","sentiment_score":-0.14299560338258743},{"text":"Like, this whole, you know, self manage, it's confusing as it is.","start":1857.16,"end":1861.465,"sentiment":"negative","sentiment_score":-0.4856089726090431}],"sentiment":"neutral","sentiment_score":-0.3228050002029964,"channel":1,"num_words":63,"start":1835.4551,"end":1861.465},{"sentences":[{"text":"And all all the rush is not worth it.","start":1861.465,"end":1864.265,"sentiment":"negative","sentiment_score":-0.7273970776134067},{"text":"And, yeah, it's not advisable.","start":1864.265,"end":1866.125,"sentiment":"negative","sentiment_score":-0.5876368522644043},{"text":"So we won't proceed on","start":1866.745,"end":1868.585,"sentiment":"negative","sentiment_score":-0.38770484924316406}],"sentiment":"negative","sentiment_score":-0.601225379266237,"channel":1,"num_words":19,"start":1861.465,"end":1868.585},{"sentences":[{"text":"Yeah.","start":1868.5599,"end":1869.0599,"sentiment":"neutral","sentiment_score":-0.18908466398715973}],"sentiment":"neutral","sentiment_score":-0.18908466398715973,"channel":0,"num_words":1,"start":1868.5599,"end":1869.0599},{"sentences":[{"text":"with that.","start":1868.585,"end":1868.985,"sentiment":"neutral","sentiment_score":-0.2520763576030731},{"text":"We just keep as is and, you know, just look at look at everything properly again.","start":1868.985,"end":1875.6001,"sentiment":"neutral","sentiment_score":-0.10088411066681147}],"sentiment":"neutral","sentiment_score":-0.11768324921528499,"channel":1,"num_words":18,"start":1868.585,"end":1875.6001},{"sentences":[{"text":"Yeah.","start":1875.375,"end":1875.875,"sentiment":"neutral","sentiment_score":0.06811699271202087},{"text":"And look, I've got these clients at the moment who are exactly like you guys in a similar position.","start":1876.095,"end":1881.235,"sentiment":"neutral","sentiment_score":0.0821003774671178},{"text":"And I've already been on the phone three times today to a buyer's agent, a broker, and an accountant for them.","start":1881.5349,"end":1888.595,"sentiment":"neutral","sentiment_score":0.0821339800244286},{"text":"And they have four professionals working on a daily basis to try and get theirs done.","start":1888.78,"end":1893.84,"sentiment":"neutral","sentiment_score":0.05708778812550008},{"text":"And like I said, it's been taking months.","start":1893.9,"end":1895.76,"sentiment":"neutral","sentiment_score":-0.1288559166714549}],"sentiment":"neutral","sentiment_score":0.04977530802671726,"channel":0,"num_words":65,"start":1875.375,"end":1895.76},{"sentences":[{"text":"So","start":1896.3,"end":1896.8,"sentiment":"neutral","sentiment_score":-0.03218347579240799}],"sentiment":"neutral","sentiment_score":-0.03218347579240799,"channel":0,"num_words":1,"start":1896.3,"end":1896.8},{"sentences":[{"text":"Yeah.","start":1896.635,"end":1897.135,"sentiment":"neutral","sentiment_score":-0.07772081345319748}],"sentiment":"neutral","sentiment_score":-0.07772081345319748,"channel":1,"num_words":1,"start":1896.635,"end":1897.135},{"sentences":[{"text":"they're having to put in a lot of time on a daily basis to forward documents around, sign documents, do phone calls, make decisions, and it's been quite an ordeal for them despite our expertise in making it as smooth as possible.","start":1897.1,"end":1911.335,"sentiment":"negative","sentiment_score":-0.3714486491822061}],"sentiment":"negative","sentiment_score":-0.3714486491822061,"channel":0,"num_words":42,"start":1897.1,"end":1911.335},{"sentences":[{"text":"Yeah.","start":1911.76,"end":1912.26,"sentiment":"neutral","sentiment_score":-0.009585648775100708},{"text":"Yep.","start":1913.835,"end":1914.335,"sentiment":"neutral","sentiment_score":0.010163888335227966}],"sentiment":"neutral","sentiment_score":0.00028911978006362915,"channel":1,"num_words":2,"start":1911.76,"end":1914.335},{"sentences":[{"text":"But","start":1914.275,"end":1914.775,"sentiment":"neutral","sentiment_score":-0.04656121879816055}],"sentiment":"neutral","sentiment_score":-0.04656121879816055,"channel":0,"num_words":1,"start":1914.275,"end":1914.775},{"sentences":[{"text":"So do","start":1914.555,"end":1915.115,"sentiment":"neutral","sentiment_score":-0.03118939697742462}],"sentiment":"neutral","sentiment_score":-0.03118939697742462,"channel":1,"num_words":2,"start":1914.555,"end":1915.115},{"sentences":[{"text":"one","start":1915.075,"end":1915.235,"sentiment":"neutral","sentiment_score":-0.0059030987322330475}],"sentiment":"neutral","sentiment_score":-0.0059030987322330475,"channel":0,"num_words":1,"start":1915.075,"end":1915.235},{"sentences":[{"text":"you","start":1915.115,"end":1915.1951,"sentiment":"neutral","sentiment_score":-0.03395835682749748}],"sentiment":"neutral","sentiment_score":-0.03395835682749748,"channel":1,"num_words":1,"start":1915.115,"end":1915.1951},{"sentences":[{"text":"thing too","start":1915.235,"end":1915.875,"sentiment":"neutral","sentiment_score":-0.059839097782969475}],"sentiment":"neutral","sentiment_score":-0.059839097782969475,"channel":0,"num_words":2,"start":1915.235,"end":1915.875},{"sentences":[{"text":"sorry.","start":1915.675,"end":1916.175,"sentiment":"neutral","sentiment_score":-0.09266941994428636}],"sentiment":"neutral","sentiment_score":-0.09266941994428636,"channel":1,"num_words":1,"start":1915.675,"end":1916.175},{"sentences":[{"text":"is like","start":1915.875,"end":1916.5349,"sentiment":"neutral","sentiment_score":-0.05152885802090168}],"sentiment":"neutral","sentiment_score":-0.05152885802090168,"channel":0,"num_words":2,"start":1915.875,"end":1916.5349},{"sentences":[{"text":"Yeah.","start":1917.1951,"end":1917.435,"sentiment":"neutral","sentiment_score":-0.021367548033595085},{"text":"Go on.","start":1917.435,"end":1918.095,"sentiment":"neutral","sentiment_score":0.03406772203743458}],"sentiment":"neutral","sentiment_score":0.01558929868042469,"channel":1,"num_words":3,"start":1917.1951,"end":1918.095},{"sentences":[{"text":"yeah.","start":1917.97,"end":1918.29,"sentiment":"neutral","sentiment_score":0.14945770800113678}],"sentiment":"neutral","sentiment_score":0.14945770800113678,"channel":0,"num_words":1,"start":1917.97,"end":1918.29},{"sentences":[{"text":"So","start":1918.235,"end":1918.555,"sentiment":"neutral","sentiment_score":0.21786409616470337}],"sentiment":"neutral","sentiment_score":0.21786409616470337,"channel":1,"num_words":1,"start":1918.235,"end":1918.555},{"sentences":[{"text":"You go for it.","start":1918.29,"end":1919.35,"sentiment":"neutral","sentiment_score":0.3169641047716141}],"sentiment":"neutral","sentiment_score":0.3169641047716141,"channel":0,"num_words":4,"start":1918.29,"end":1919.35},{"sentences":[{"text":"I was just saying, like, you know, let's just say that we we are financially, you know, better in the future, and we reach out.","start":1920.155,"end":1930.02,"sentiment":"neutral","sentiment_score":0.20142947643995285},{"text":"And, you know, we've we still want to use our super to purchase, like, the investment.","start":1930.02,"end":1935.4,"sentiment":"neutral","sentiment_score":0.16746183997020125},{"text":"Like, can that be done?","start":1936.26,"end":1937.78,"sentiment":"neutral","sentiment_score":0.10775620043277741},{"text":"And then we can look at, like, property instead of, you know, there's no, like Okay.","start":1937.78,"end":1942.915,"sentiment":"neutral","sentiment_score":0.03453543898649514},{"text":"Can you hear there's a crossover or something or","start":1947.775,"end":1951.6951,"sentiment":"neutral","sentiment_score":-0.01766964617288775}],"sentiment":"neutral","sentiment_score":0.1217950360692093,"channel":1,"num_words":71,"start":1920.155,"end":1951.6951},{"sentences":[{"text":"Yeah.","start":1951.6,"end":1951.84,"sentiment":"neutral","sentiment_score":-0.02813297882676125}],"sentiment":"neutral","sentiment_score":-0.02813297882676125,"channel":0,"num_words":1,"start":1951.6,"end":1951.84},{"sentences":[{"text":"someone's?","start":1951.6951,"end":1952.1951,"sentiment":"neutral","sentiment_score":-0.038022324442863464}],"sentiment":"neutral","sentiment_score":-0.038022324442863464,"channel":1,"num_words":1,"start":1951.6951,"end":1952.1951},{"sentences":[{"text":"Sorry.","start":1951.84,"end":1952.16,"sentiment":"neutral","sentiment_score":-0.12079691886901855},{"text":"It just cut out for a few seconds there.","start":1952.16,"end":1954.18,"sentiment":"neutral","sentiment_score":-0.13323286010159385}],"sentiment":"neutral","sentiment_score":-0.13198926597833632,"channel":0,"num_words":10,"start":1951.84,"end":1954.18},{"sentences":[{"text":"Yep.","start":1954.86,"end":1955.34,"sentiment":"neutral","sentiment_score":0.00515805184841156},{"text":"So can you hear did you hear what","start":1955.34,"end":1957.4199,"sentiment":"neutral","sentiment_score":-0.016732621239498258}],"sentiment":"neutral","sentiment_score":-0.0143003242297305,"channel":1,"num_words":9,"start":1954.86,"end":1957.4199},{"sentences":[{"text":"I","start":1957.385,"end":1957.625,"sentiment":"neutral","sentiment_score":-0.03800007328391075}],"sentiment":"neutral","sentiment_score":-0.03800007328391075,"channel":0,"num_words":1,"start":1957.385,"end":1957.625},{"sentences":[{"text":"I just","start":1957.4199,"end":1957.74,"sentiment":"neutral","sentiment_score":-0.039621188305318356}],"sentiment":"neutral","sentiment_score":-0.039621188305318356,"channel":1,"num_words":2,"start":1957.4199,"end":1957.74},{"sentences":[{"text":"do","start":1957.625,"end":1957.8651,"sentiment":"neutral","sentiment_score":-0.04359012097120285}],"sentiment":"neutral","sentiment_score":-0.04359012097120285,"channel":0,"num_words":1,"start":1957.625,"end":1957.8651},{"sentences":[{"text":"said?","start":1957.74,"end":1958.24,"sentiment":"neutral","sentiment_score":-0.03175974264740944}],"sentiment":"neutral","sentiment_score":-0.03175974264740944,"channel":1,"num_words":1,"start":1957.74,"end":1958.24},{"sentences":[{"text":"have you back.","start":1957.8651,"end":1958.685,"sentiment":"neutral","sentiment_score":-0.043057714899381004},{"text":"No.","start":1959.305,"end":1959.7051,"sentiment":"neutral","sentiment_score":-0.11875855177640916},{"text":"I just heard the part where","start":1959.7051,"end":1960.9851,"sentiment":"neutral","sentiment_score":-0.09446915859977405}],"sentiment":"neutral","sentiment_score":-0.08147466480731964,"channel":0,"num_words":10,"start":1957.8651,"end":1960.9851},{"sentences":[{"text":"Oh,","start":1960.86,"end":1961.36,"sentiment":"neutral","sentiment_score":-0.07869937270879745}],"sentiment":"neutral","sentiment_score":-0.07869937270879745,"channel":1,"num_words":1,"start":1960.86,"end":1961.36},{"sentences":[{"text":"you were saying about if things are going to be better in twelve to twenty four months time, can we look at the super fan and then it kind of cut out.","start":1960.9851,"end":1969.005,"sentiment":"neutral","sentiment_score":-0.14206340350210667}],"sentiment":"neutral","sentiment_score":-0.14206340350210667,"channel":0,"num_words":32,"start":1960.9851,"end":1969.005},{"sentences":[{"text":"Yeah.","start":1969.1749,"end":1969.335,"sentiment":"neutral","sentiment_score":-0.0025142431259155273},{"text":"Yeah.","start":1969.335,"end":1969.575,"sentiment":"neutral","sentiment_score":0.009233325719833374},{"text":"So I was just saying, like, because all this is with the self managed.","start":1969.575,"end":1973.9149,"sentiment":"neutral","sentiment_score":0.047431432242904394},{"text":"Like, we don't have to have a property first.","start":1973.975,"end":1979.735,"sentiment":"neutral","sentiment_score":0.019615524344974093},{"text":"Like, have a property in mind we wanna purchase to set this all up, can it be that we set it up first with the view of looking for an investment property?","start":1979.735,"end":1991.0599,"sentiment":"neutral","sentiment_score":0.10754818411078304}],"sentiment":"neutral","sentiment_score":0.07524282008148077,"channel":1,"num_words":57,"start":1969.1749,"end":1991.0599},{"sentences":[{"text":"Because I feel that the time, you know, like, the timeline of setting it up and then getting the bank approval, all that stuff.","start":1991.12,"end":1999.325,"sentiment":"neutral","sentiment_score":0.049889850740631424},{"text":"Like, does that make sense?","start":1999.385,"end":2001.785,"sentiment":"neutral","sentiment_score":0.08885374367237091},{"text":"Like, I mean, like, with the self manage, I mean, you can you anyone can decide on that.","start":2001.785,"end":2007.945,"sentiment":"neutral","sentiment_score":0.1409011942644914},{"text":"It doesn't have to be self managed and that the reason for self managed is to buy a property.","start":2007.945,"end":2013.11,"sentiment":"neutral","sentiment_score":0.08439510433297408},{"text":"Is that correct?","start":2013.81,"end":2014.7101,"sentiment":"neutral","sentiment_score":0.10574409117301305}],"sentiment":"neutral","sentiment_score":0.0883853027354116,"channel":1,"num_words":69,"start":1991.12,"end":2014.7101},{"sentences":[{"text":"Like, you you","start":2014.77,"end":2015.41,"sentiment":"neutral","sentiment_score":0.09091105312108994}],"sentiment":"neutral","sentiment_score":0.09091105312108994,"channel":1,"num_words":3,"start":2014.77,"end":2015.41},{"sentences":[{"text":"Yeah.","start":2015.365,"end":2015.865,"sentiment":"neutral","sentiment_score":0.15956637263298035}],"sentiment":"neutral","sentiment_score":0.15956637263298035,"channel":0,"num_words":1,"start":2015.365,"end":2015.865},{"sentences":[{"text":"can choose to go","start":2015.41,"end":2016.2101,"sentiment":"neutral","sentiment_score":0.15262557193636894}],"sentiment":"neutral","sentiment_score":0.15262557193636894,"channel":1,"num_words":4,"start":2015.41,"end":2016.2101},{"sentences":[{"text":"So","start":2016.165,"end":2016.665,"sentiment":"neutral","sentiment_score":0.15966027975082395}],"sentiment":"neutral","sentiment_score":0.15966027975082395,"channel":0,"num_words":1,"start":2016.165,"end":2016.665},{"sentences":[{"text":"with a super or self managed.","start":2016.2101,"end":2018.39,"sentiment":"neutral","sentiment_score":0.13141030569871268}],"sentiment":"neutral","sentiment_score":0.13141030569871268,"channel":1,"num_words":6,"start":2016.2101,"end":2018.39},{"sentences":[{"text":"yeah.","start":2019.9401,"end":2020.34,"sentiment":"neutral","sentiment_score":0.1400889754295349},{"text":"Correct.","start":2020.34,"end":2020.84,"sentiment":"neutral","sentiment_score":0.16081714630126953},{"text":"So a couple of things I'd say to that is when you have a self managed super fund, people do it for different reasons.","start":2020.9,"end":2027.3,"sentiment":"neutral","sentiment_score":0.10518055999030669},{"text":"Some people do it to borrow for a property.","start":2027.3,"end":2029.56,"sentiment":"neutral","sentiment_score":0.05120133732755979},{"text":"Some people just want a really specific investment.","start":2029.8049,"end":2031.965,"sentiment":"neutral","sentiment_score":0.06522313831374049}],"sentiment":"neutral","sentiment_score":0.08855434195246807,"channel":0,"num_words":43,"start":2019.9401,"end":2031.965},{"sentences":[{"text":"Like, I've seen people buy a bunch of gold bullion and put it in the safe, and","start":2031.965,"end":2036.385,"sentiment":"neutral","sentiment_score":0.21049033368335052}],"sentiment":"neutral","sentiment_score":0.21049033368335052,"channel":0,"num_words":17,"start":2031.965,"end":2036.385},{"sentences":[{"text":"Mhmm.","start":2035.99,"end":2036.49,"sentiment":"neutral","sentiment_score":0.16674485802650452}],"sentiment":"neutral","sentiment_score":0.16674485802650452,"channel":1,"num_words":1,"start":2035.99,"end":2036.49},{"sentences":[{"text":"creating your own super fund allows you to do the unorthodox things outside of what a regular fund allows.","start":2036.6849,"end":2042.625,"sentiment":"neutral","sentiment_score":0.2532200883877905}],"sentiment":"neutral","sentiment_score":0.2532200883877905,"channel":0,"num_words":19,"start":2036.6849,"end":2042.625},{"sentences":[{"text":"Mhmm.","start":2043.75,"end":2043.9099,"sentiment":"neutral","sentiment_score":0.08210102468729019},{"text":"Mhmm.","start":2043.9099,"end":2043.99,"sentiment":"neutral","sentiment_score":0.08492964506149292},{"text":"Yep.","start":2043.99,"end":2044.49,"sentiment":"neutral","sentiment_score":0.16715282201766968}],"sentiment":"neutral","sentiment_score":0.11139449725548427,"channel":1,"num_words":3,"start":2043.75,"end":2044.49},{"sentences":[{"text":"The other thing is that your, you know, your hub 24 and and these sorts of super funds, they can","start":2044.33,"end":2050.89,"sentiment":"neutral","sentiment_score":0.171900287643075}],"sentiment":"neutral","sentiment_score":0.171900287643075,"channel":0,"num_words":20,"start":2044.33,"end":2050.89},{"sentences":[{"text":"Yep.","start":2050.8699,"end":2051.3699,"sentiment":"neutral","sentiment_score":0.2169860303401947}],"sentiment":"neutral","sentiment_score":0.2169860303401947,"channel":1,"num_words":1,"start":2050.8699,"end":2051.3699},{"sentences":[{"text":"invest you into pretty much any type of asset.","start":2050.89,"end":2053.39,"sentiment":"neutral","sentiment_score":0.23422826164298588},{"text":"We've got property investments and gold and shares and all these kinds of things.","start":2053.77,"end":2059.495,"sentiment":"neutral","sentiment_score":0.28315051538603647},{"text":"So it's not a problem to actually do all kinds of different investments and get a really good portfolio.","start":2059.635,"end":2065.655,"sentiment":"positive","sentiment_score":0.3865157287371786}],"sentiment":"neutral","sentiment_score":0.3194276289570899,"channel":0,"num_words":42,"start":2050.89,"end":2065.655},{"sentences":[{"text":"Yeah.","start":2066.055,"end":2066.555,"sentiment":"neutral","sentiment_score":0.08632847666740417}],"sentiment":"neutral","sentiment_score":0.08632847666740417,"channel":1,"num_words":1,"start":2066.055,"end":2066.555},{"sentences":[{"text":"But the one","start":2066.435,"end":2066.995,"sentiment":"neutral","sentiment_score":-0.007989299794038134}],"sentiment":"neutral","sentiment_score":-0.007989299794038134,"channel":0,"num_words":3,"start":2066.435,"end":2066.995},{"sentences":[{"text":"Mhmm.","start":2066.7751,"end":2067.2751,"sentiment":"neutral","sentiment_score":-0.05929715931415558}],"sentiment":"neutral","sentiment_score":-0.05929715931415558,"channel":1,"num_words":1,"start":2066.7751,"end":2067.2751},{"sentences":[{"text":"problem that you've got with what you mentioned is let's say you set up that self managed super fund.","start":2066.995,"end":2072.615,"sentiment":"neutral","sentiment_score":-0.1068289277977065}],"sentiment":"neutral","sentiment_score":-0.1068289277977065,"channel":0,"num_words":19,"start":2066.995,"end":2072.615},{"sentences":[{"text":"Mhmm.","start":2072.91,"end":2073.41,"sentiment":"neutral","sentiment_score":-0.08026894927024841}],"sentiment":"neutral","sentiment_score":-0.08026894927024841,"channel":1,"num_words":1,"start":2072.91,"end":2073.41},{"sentences":[{"text":"Once that cutoff happens on the August 7, no one will be allowed to borrow money to purchase that residential investment property anymore.","start":2073.5798,"end":2082.48,"sentiment":"neutral","sentiment_score":-0.27992110343083093}],"sentiment":"neutral","sentiment_score":-0.27992110343083093,"channel":0,"num_words":23,"start":2073.5798,"end":2082.48},{"sentences":[{"text":"Oh, it's because of the new changes.","start":2085.485,"end":2086.925,"sentiment":"neutral","sentiment_score":-0.1975734042269843},{"text":"Is that","start":2086.925,"end":2087.245,"sentiment":"neutral","sentiment_score":-0.09472527354955673}],"sentiment":"neutral","sentiment_score":-0.17471826407644483,"channel":1,"num_words":9,"start":2085.485,"end":2087.245},{"sentences":[{"text":"So","start":2087.02,"end":2087.52,"sentiment":"neutral","sentiment_score":-0.07975587248802185}],"sentiment":"neutral","sentiment_score":-0.07975587248802185,"channel":0,"num_words":1,"start":2087.02,"end":2087.52},{"sentences":[{"text":"what you're saying?","start":2087.245,"end":2088.065,"sentiment":"neutral","sentiment_score":-0.10961965719858806}],"sentiment":"neutral","sentiment_score":-0.10961965719858806,"channel":1,"num_words":3,"start":2087.245,"end":2088.065},{"sentences":[{"text":"yeah.","start":2089.155,"end":2089.395,"sentiment":"neutral","sentiment_score":-0.09849698841571808},{"text":"So","start":2089.395,"end":2089.715,"sentiment":"neutral","sentiment_score":-0.09891365468502045}],"sentiment":"neutral","sentiment_score":-0.09870532155036926,"channel":0,"num_words":2,"start":2089.155,"end":2089.715},{"sentences":[{"text":"Oh.","start":2089.485,"end":2089.985,"sentiment":"neutral","sentiment_score":-0.10580481588840485}],"sentiment":"neutral","sentiment_score":-0.10580481588840485,"channel":1,"num_words":1,"start":2089.485,"end":2089.985},{"sentences":[{"text":"as soon as that August 7 happens, they are banning borrowing off of your super to purchase a residential investment property.","start":2089.715,"end":2097.335,"sentiment":"neutral","sentiment_score":-0.1908223433863549},{"text":"And if it's not","start":2097.475,"end":2098.2751,"sentiment":"neutral","sentiment_score":-0.10987976752221584}],"sentiment":"neutral","sentiment_score":-0.17787153124809266,"channel":0,"num_words":25,"start":2089.715,"end":2098.2751},{"sentences":[{"text":"Oh,","start":2098.18,"end":2098.42,"sentiment":"neutral","sentiment_score":-0.1608305424451828}],"sentiment":"neutral","sentiment_score":-0.1608305424451828,"channel":1,"num_words":1,"start":2098.18,"end":2098.42},{"sentences":[{"text":"in","start":2098.2751,"end":2098.5151,"sentiment":"neutral","sentiment_score":-0.18266214430332184}],"sentiment":"neutral","sentiment_score":-0.18266214430332184,"channel":0,"num_words":1,"start":2098.2751,"end":2098.5151},{"sentences":[{"text":"I","start":2098.42,"end":2098.66,"sentiment":"neutral","sentiment_score":-0.18655243515968323}],"sentiment":"neutral","sentiment_score":-0.18655243515968323,"channel":1,"num_words":1,"start":2098.42,"end":2098.66},{"sentences":[{"text":"by","start":2098.5151,"end":2098.835,"sentiment":"neutral","sentiment_score":-0.17232337594032288}],"sentiment":"neutral","sentiment_score":-0.17232337594032288,"channel":0,"num_words":1,"start":2098.5151,"end":2098.835},{"sentences":[{"text":"see.","start":2098.66,"end":2099.16,"sentiment":"neutral","sentiment_score":-0.17837785184383392}],"sentiment":"neutral","sentiment_score":-0.17837785184383392,"channel":1,"num_words":1,"start":2098.66,"end":2099.16},{"sentences":[{"text":"then, it's no longer available.","start":2098.835,"end":2101.0151,"sentiment":"neutral","sentiment_score":-0.28755995631217957}],"sentiment":"neutral","sentiment_score":-0.28755995631217957,"channel":0,"num_words":5,"start":2098.835,"end":2101.0151},{"sentences":[{"text":"Oh, I I get it.","start":2102.02,"end":2103.3,"sentiment":"neutral","sentiment_score":-0.10410164296627045},{"text":"Yep.","start":2103.3,"end":2103.7,"sentiment":"neutral","sentiment_score":-0.06182067841291427},{"text":"Sorry.","start":2103.7,"end":2104.02,"sentiment":"neutral","sentiment_score":-0.22622323036193848},{"text":"I missed that whole call.","start":2104.02,"end":2104.74,"sentiment":"neutral","sentiment_score":-0.31682340502738954},{"text":"Yeah.","start":2104.74,"end":2105.24,"sentiment":"neutral","sentiment_score":-0.21448449790477753}],"sentiment":"neutral","sentiment_score":-0.20055028051137924,"channel":1,"num_words":13,"start":2102.02,"end":2105.24},{"sentences":[{"text":"So that's why I was worried saying, if we were to go through all this and you spend 10,000","start":2104.81,"end":2109.45,"sentiment":"neutral","sentiment_score":-0.22033350052017914}],"sentiment":"neutral","sentiment_score":-0.22033350052017914,"channel":0,"num_words":19,"start":2104.81,"end":2109.45},{"sentences":[{"text":"Yeah.","start":2109.195,"end":2109.695,"sentiment":"neutral","sentiment_score":-0.07837261259555817}],"sentiment":"neutral","sentiment_score":-0.07837261259555817,"channel":1,"num_words":1,"start":2109.195,"end":2109.695},{"sentences":[{"text":"dollars of your super to set everything","start":2109.45,"end":2110.97,"sentiment":"neutral","sentiment_score":-0.12087250926664897}],"sentiment":"neutral","sentiment_score":-0.12087250926664897,"channel":0,"num_words":7,"start":2109.45,"end":2110.97},{"sentences":[{"text":"Yep.","start":2110.875,"end":2111.375,"sentiment":"neutral","sentiment_score":-0.1066235825419426}],"sentiment":"neutral","sentiment_score":-0.1066235825419426,"channel":1,"num_words":1,"start":2110.875,"end":2111.375},{"sentences":[{"text":"up, and then it's like, oh, you missed it by two days, better, like,","start":2110.97,"end":2113.85,"sentiment":"neutral","sentiment_score":-0.27503264588969095}],"sentiment":"neutral","sentiment_score":-0.27503264588969095,"channel":0,"num_words":14,"start":2110.97,"end":2113.85},{"sentences":[{"text":"Yep.","start":2113.7551,"end":2114.2551,"sentiment":"neutral","sentiment_score":-0.19204090535640717}],"sentiment":"neutral","sentiment_score":-0.19204090535640717,"channel":1,"num_words":1,"start":2113.7551,"end":2114.2551},{"sentences":[{"text":"close it all down and start again.","start":2113.85,"end":2115.71,"sentiment":"neutral","sentiment_score":-0.33245774252074106},{"text":"You","start":2116.035,"end":2116.275,"sentiment":"neutral","sentiment_score":-0.2670401632785797}],"sentiment":"neutral","sentiment_score":-0.3242805451154709,"channel":0,"num_words":8,"start":2113.85,"end":2116.275},{"sentences":[{"text":"Yep.","start":2116.155,"end":2116.655,"sentiment":"neutral","sentiment_score":-0.2084439247846603}],"sentiment":"neutral","sentiment_score":-0.2084439247846603,"channel":1,"num_words":1,"start":2116.155,"end":2116.655},{"sentences":[{"text":"just lost $10 and","start":2116.275,"end":2118.275,"sentiment":"negative","sentiment_score":-0.3676390275359154}],"sentiment":"negative","sentiment_score":-0.3676390275359154,"channel":0,"num_words":4,"start":2116.275,"end":2118.275},{"sentences":[{"text":"That's","start":2118.0752,"end":2118.5552,"sentiment":"negative","sentiment_score":-0.5059356689453125}],"sentiment":"negative","sentiment_score":-0.5059356689453125,"channel":1,"num_words":1,"start":2118.0752,"end":2118.5552},{"sentences":[{"text":"a month's","start":2118.275,"end":2118.755,"sentiment":"negative","sentiment_score":-0.6203180849552155}],"sentiment":"negative","sentiment_score":-0.6203180849552155,"channel":0,"num_words":2,"start":2118.275,"end":2118.755},{"sentences":[{"text":"not","start":2118.5552,"end":2119.0552,"sentiment":"negative","sentiment_score":-0.5690326690673828}],"sentiment":"negative","sentiment_score":-0.5690326690673828,"channel":1,"num_words":1,"start":2118.5552,"end":2119.0552},{"sentences":[{"text":"work.","start":2118.755,"end":2119.255,"sentiment":"negative","sentiment_score":-0.4885900914669037}],"sentiment":"negative","sentiment_score":-0.4885900914669037,"channel":0,"num_words":1,"start":2118.755,"end":2119.255},{"sentences":[{"text":"yeah.","start":2119.675,"end":2119.915,"sentiment":"neutral","sentiment_score":-0.14008942246437073},{"text":"Exactly.","start":2119.915,"end":2120.415,"sentiment":"neutral","sentiment_score":-0.08473502099514008},{"text":"No.","start":2120.475,"end":2120.975,"sentiment":"neutral","sentiment_score":-0.1898396909236908},{"text":"Okay.","start":2121.8699,"end":2122.2698,"sentiment":"neutral","sentiment_score":-0.09132131934165956},{"text":"Yeah.","start":2122.2698,"end":2122.5098,"sentiment":"neutral","sentiment_score":-0.0319824293255806}],"sentiment":"neutral","sentiment_score":-0.10759357661008835,"channel":1,"num_words":5,"start":2119.675,"end":2122.5098},{"sentences":[{"text":"Yeah.","start":2122.355,"end":2122.855,"sentiment":"neutral","sentiment_score":-0.0034570135176181793}],"sentiment":"neutral","sentiment_score":-0.0034570135176181793,"channel":0,"num_words":1,"start":2122.355,"end":2122.855},{"sentences":[{"text":"Yeah.","start":2122.5098,"end":2122.75,"sentiment":"neutral","sentiment_score":0.05482441186904907},{"text":"I got it now.","start":2122.75,"end":2123.39,"sentiment":"neutral","sentiment_score":0.07513982616364956},{"text":"Yep.","start":2123.39,"end":2123.71,"sentiment":"neutral","sentiment_score":0.029321132227778435},{"text":"Sorry.","start":2123.71,"end":2124.0298,"sentiment":"neutral","sentiment_score":-0.16037335991859436},{"text":"I totally did miss the whole, you know, part of time then.","start":2124.0298,"end":2127.5498,"sentiment":"neutral","sentiment_score":-0.2702396387855212}],"sentiment":"neutral","sentiment_score":-0.15887074613649593,"channel":1,"num_words":19,"start":2122.5098,"end":2127.5498},{"sentences":[{"text":"Yeah.","start":2127.5498,"end":2127.71,"sentiment":"neutral","sentiment_score":-0.13533322513103485},{"text":"I didn't understand, but now","start":2127.71,"end":2129.15,"sentiment":"neutral","sentiment_score":-0.19530006051063536}],"sentiment":"neutral","sentiment_score":-0.18530558794736862,"channel":1,"num_words":6,"start":2127.5498,"end":2129.15},{"sentences":[{"text":"No.","start":2129.06,"end":2129.3,"sentiment":"neutral","sentiment_score":-0.2520096004009247},{"text":"You're","start":2129.3,"end":2129.62,"sentiment":"neutral","sentiment_score":-0.252828449010849}],"sentiment":"neutral","sentiment_score":-0.25241902470588684,"channel":0,"num_words":2,"start":2129.06,"end":2129.62},{"sentences":[{"text":"understood.","start":2129.39,"end":2129.89,"sentiment":"neutral","sentiment_score":-0.24547380208969116}],"sentiment":"neutral","sentiment_score":-0.24547380208969116,"channel":1,"num_words":1,"start":2129.39,"end":2129.89},{"sentences":[{"text":"okay.","start":2129.62,"end":2129.94,"sentiment":"neutral","sentiment_score":0.010038889944553375},{"text":"It is","start":2129.94,"end":2130.34,"sentiment":"neutral","sentiment_score":0.00007487088441848755}],"sentiment":"neutral","sentiment_score":0.003396210571130117,"channel":0,"num_words":3,"start":2129.62,"end":2130.34},{"sentences":[{"text":"Yep.","start":2130.43,"end":2130.93,"sentiment":"neutral","sentiment_score":0.001042477786540985}],"sentiment":"neutral","sentiment_score":0.001042477786540985,"channel":1,"num_words":1,"start":2130.43,"end":2130.93},{"sentences":[{"text":"it's a lot of wrap your mind around, especially at","start":2130.98,"end":2133.3,"sentiment":"neutral","sentiment_score":-0.09859069287776948}],"sentiment":"neutral","sentiment_score":-0.09859069287776948,"channel":0,"num_words":10,"start":2130.98,"end":2133.3},{"sentences":[{"text":"Yep.","start":2133.15,"end":2133.65,"sentiment":"neutral","sentiment_score":-0.012853491120040417}],"sentiment":"neutral","sentiment_score":-0.012853491120040417,"channel":1,"num_words":1,"start":2133.15,"end":2133.65},{"sentences":[{"text":"the first time.","start":2133.3,"end":2134.28,"sentiment":"neutral","sentiment_score":-0.0410194123784701},{"text":"It's","start":2134.66,"end":2135.06,"sentiment":"neutral","sentiment_score":0.0068673742935061455}],"sentiment":"neutral","sentiment_score":-0.02904771571047604,"channel":0,"num_words":4,"start":2133.3,"end":2135.06},{"sentences":[{"text":"Yep.","start":2134.99,"end":2135.295,"sentiment":"neutral","sentiment_score":-0.08749867975711823}],"sentiment":"neutral","sentiment_score":-0.08749867975711823,"channel":1,"num_words":1,"start":2134.99,"end":2135.295},{"sentences":[{"text":"complicated enough as it is to understand verbally, and normally I send through flowcharts and things like that as well, but the legislation","start":2135.06,"end":2142.6,"sentiment":"neutral","sentiment_score":-0.08096574360261792}],"sentiment":"neutral","sentiment_score":-0.08096574360261792,"channel":0,"num_words":23,"start":2135.06,"end":2142.6},{"sentences":[{"text":"Yep.","start":2142.1748,"end":2142.6748,"sentiment":"neutral","sentiment_score":-0.32897281646728516}],"sentiment":"neutral","sentiment_score":-0.32897281646728516,"channel":1,"num_words":1,"start":2142.1748,"end":2142.6748},{"sentences":[{"text":"just makes it more difficult.","start":2142.74,"end":2144.12,"sentiment":"negative","sentiment_score":-0.4400556027889252}],"sentiment":"negative","sentiment_score":-0.4400556027889252,"channel":0,"num_words":5,"start":2142.74,"end":2144.12},{"sentences":[{"text":"Yep.","start":2144.375,"end":2144.875,"sentiment":"neutral","sentiment_score":-0.0211603119969368}],"sentiment":"neutral","sentiment_score":-0.0211603119969368,"channel":1,"num_words":1,"start":2144.375,"end":2144.875},{"sentences":[{"text":"One of the things","start":2146.155,"end":2146.7952,"sentiment":"neutral","sentiment_score":-0.04054457601159811}],"sentiment":"neutral","sentiment_score":-0.04054457601159811,"channel":0,"num_words":4,"start":2146.155,"end":2146.7952},{"sentences":[{"text":"No.","start":2146.575,"end":2146.815,"sentiment":"neutral","sentiment_score":-0.08480998873710632}],"sentiment":"neutral","sentiment_score":-0.08480998873710632,"channel":1,"num_words":1,"start":2146.575,"end":2146.815},{"sentences":[{"text":"I","start":2146.7952,"end":2146.875,"sentiment":"neutral","sentiment_score":-0.08998201042413712}],"sentiment":"neutral","sentiment_score":-0.08998201042413712,"channel":0,"num_words":1,"start":2146.7952,"end":2146.875},{"sentences":[{"text":"That's","start":2146.815,"end":2147.135,"sentiment":"neutral","sentiment_score":-0.03705369308590889}],"sentiment":"neutral","sentiment_score":-0.03705369308590889,"channel":1,"num_words":1,"start":2146.815,"end":2147.135},{"sentences":[{"text":"would say","start":2146.875,"end":2147.3552,"sentiment":"neutral","sentiment_score":-0.01719929277896881}],"sentiment":"neutral","sentiment_score":-0.01719929277896881,"channel":0,"num_words":2,"start":2146.875,"end":2147.3552},{"sentences":[{"text":"fine.","start":2147.135,"end":2147.635,"sentiment":"neutral","sentiment_score":0.0962570458650589}],"sentiment":"neutral","sentiment_score":0.0962570458650589,"channel":1,"num_words":1,"start":2147.135,"end":2147.635},{"sentences":[{"text":"though as well is that we're not just like the superannuation guys.","start":2147.3552,"end":2152.235,"sentiment":"neutral","sentiment_score":-0.05812050340076288},{"text":"If we get to that review in twelve months time and there's other things for us to help you with, Dana and myself and the team, we're gonna coach you through it.","start":2152.235,"end":2161.1902,"sentiment":"neutral","sentiment_score":0.325000730343163},{"text":"We're gonna get you in touch with the right people.","start":2161.25,"end":2163.51,"sentiment":"positive","sentiment_score":0.47437291145324706},{"text":"We want","start":2163.6501,"end":2164.29,"sentiment":"positive","sentiment_score":0.4283878803253174}],"sentiment":"neutral","sentiment_score":0.273269325095628,"channel":0,"num_words":56,"start":2147.3552,"end":2164.29},{"sentences":[{"text":"Yep.","start":2164.1501,"end":2164.515,"sentiment":"positive","sentiment_score":0.4094751477241516}],"sentiment":"positive","sentiment_score":0.4094751477241516,"channel":1,"num_words":1,"start":2164.1501,"end":2164.515},{"sentences":[{"text":"everybody to progress through those life stages into those different goals to get the home and the investments and build your wealth and","start":2164.29,"end":2171.6702,"sentiment":"positive","sentiment_score":0.5334741628688314}],"sentiment":"positive","sentiment_score":0.5334741628688314,"channel":0,"num_words":23,"start":2164.29,"end":2171.6702},{"sentences":[{"text":"Yeah.","start":2172.035,"end":2172.535,"sentiment":"neutral","sentiment_score":0.3142361640930176}],"sentiment":"neutral","sentiment_score":0.3142361640930176,"channel":1,"num_words":1,"start":2172.035,"end":2172.535},{"sentences":[{"text":"branch out into whatever you're comfortable doing.","start":2172.2048,"end":2174.625,"sentiment":"positive","sentiment_score":0.33572655064719065}],"sentiment":"positive","sentiment_score":0.33572655064719065,"channel":0,"num_words":7,"start":2172.2048,"end":2174.625},{"sentences":[{"text":"Yeah.","start":2174.755,"end":2175.255,"sentiment":"neutral","sentiment_score":0.2166485041379929}],"sentiment":"neutral","sentiment_score":0.2166485041379929,"channel":1,"num_words":1,"start":2174.755,"end":2175.255},{"sentences":[{"text":"We just start off with that basis of, you know, superannuation and so on, but we're there alongside you guys the entire time.","start":2175.2449,"end":2182.065,"sentiment":"neutral","sentiment_score":0.3018365469963654}],"sentiment":"neutral","sentiment_score":0.3018365469963654,"channel":0,"num_words":23,"start":2175.2449,"end":2182.065},{"sentences":[{"text":"Yep.","start":2184.05,"end":2184.21,"sentiment":"positive","sentiment_score":0.38620996475219727},{"text":"Nice.","start":2184.21,"end":2184.71,"sentiment":"positive","sentiment_score":0.5357431769371033},{"text":"Okay.","start":2185.09,"end":2185.59,"sentiment":"positive","sentiment_score":0.35043108463287354}],"sentiment":"positive","sentiment_score":0.4241280754407247,"channel":1,"num_words":3,"start":2184.05,"end":2185.59},{"sentences":[{"text":"Okay?","start":2185.1802,"end":2185.6802,"sentiment":"neutral","sentiment_score":0.32649320363998413},{"text":"So","start":2187.4202,"end":2187.9202,"sentiment":"positive","sentiment_score":0.4856622517108917}],"sentiment":"positive","sentiment_score":0.4060777276754379,"channel":0,"num_words":2,"start":2185.1802,"end":2187.9202},{"sentences":[{"text":"Good.","start":2187.73,"end":2188.23,"sentiment":"positive","sentiment_score":0.5605391263961792}],"sentiment":"positive","sentiment_score":0.5605391263961792,"channel":1,"num_words":1,"start":2187.73,"end":2188.23},{"sentences":[{"text":"anytime you need a chat, book in to have a chat, and we'll kind of coach you through it.","start":2188.06,"end":2192.4001,"sentiment":"positive","sentiment_score":0.41176067998534754},{"text":"One thing as a bit of a bit of homework, you did mention that you and you guys need to sit down to talk through your finances a little bit.","start":2192.9402,"end":2200.265,"sentiment":"neutral","sentiment_score":0.0794002253562212}],"sentiment":"neutral","sentiment_score":0.2082746873552702,"channel":0,"num_words":49,"start":2188.06,"end":2200.265},{"sentences":[{"text":"Yep.","start":2200.545,"end":2200.625,"sentiment":"neutral","sentiment_score":0.08111219853162766},{"text":"Yep.","start":2200.625,"end":2201.01,"sentiment":"neutral","sentiment_score":0.09064370393753052}],"sentiment":"neutral","sentiment_score":0.08587795123457909,"channel":1,"num_words":2,"start":2200.545,"end":2201.01},{"sentences":[{"text":"And one thing if you can do it, I don't know if you've done it before.","start":2202.405,"end":2205.365,"sentiment":"neutral","sentiment_score":0.09386445069685578},{"text":"It's a really good way to just flag if there is an issue or not, is","start":2205.365,"end":2210.3901,"sentiment":"neutral","sentiment_score":0.18377611739560962}],"sentiment":"neutral","sentiment_score":0.1388202840462327,"channel":0,"num_words":32,"start":2202.405,"end":2210.3901},{"sentences":[{"text":"Mhmm.","start":2210.29,"end":2210.79,"sentiment":"neutral","sentiment_score":0.08764323592185974}],"sentiment":"neutral","sentiment_score":0.08764323592185974,"channel":1,"num_words":1,"start":2210.29,"end":2210.79},{"sentences":[{"text":"just sit down with Pedro sometime and work out of all the things that you spend money on.","start":2210.3901,"end":2216.1702,"sentiment":"neutral","sentiment_score":0.1517613563272688},{"text":"How","start":2216.71,"end":2217.03,"sentiment":"neutral","sentiment_score":0.04896277934312821}],"sentiment":"neutral","sentiment_score":0.14635090490705088,"channel":0,"num_words":19,"start":2210.3901,"end":2217.03},{"sentences":[{"text":"Mhmm.","start":2216.925,"end":2217.425,"sentiment":"neutral","sentiment_score":0.045140340924263}],"sentiment":"neutral","sentiment_score":0.045140340924263,"channel":1,"num_words":1,"start":2216.925,"end":2217.425},{"sentences":[{"text":"much would you categorize as, like, living expenses, like rent and electricity","start":2217.03,"end":2221.9302,"sentiment":"neutral","sentiment_score":0.06171247269958258}],"sentiment":"neutral","sentiment_score":0.06171247269958258,"channel":0,"num_words":12,"start":2217.03,"end":2221.9302},{"sentences":[{"text":"Yep.","start":2222.0452,"end":2222.5452,"sentiment":"neutral","sentiment_score":0.05093195289373398}],"sentiment":"neutral","sentiment_score":0.05093195289373398,"channel":1,"num_words":1,"start":2222.0452,"end":2222.5452},{"sentences":[{"text":"and and those fuel and all those must haves?","start":2222.1501,"end":2225.37,"sentiment":"neutral","sentiment_score":0.05603487127357059},{"text":"Put","start":2225.845,"end":2226.085,"sentiment":"neutral","sentiment_score":0.02327737957239151}],"sentiment":"neutral","sentiment_score":0.05275912210345268,"channel":0,"num_words":10,"start":2222.1501,"end":2226.085},{"sentences":[{"text":"Yep.","start":2225.965,"end":2226.0452,"sentiment":"neutral","sentiment_score":0.023983916267752647},{"text":"Mhmm.","start":2226.0452,"end":2226.5452,"sentiment":"neutral","sentiment_score":0.023162459954619408}],"sentiment":"neutral","sentiment_score":0.023573188111186028,"channel":1,"num_words":2,"start":2225.965,"end":2226.5452},{"sentences":[{"text":"that in a category, then put in your, I guess, your splurging.","start":2226.085,"end":2230.665,"sentiment":"neutral","sentiment_score":0.030304132029414177},{"text":"How much do you spend on the","start":2230.8052,"end":2231.925,"sentiment":"neutral","sentiment_score":0.05019612982869148}],"sentiment":"neutral","sentiment_score":0.037632762797568976,"channel":0,"num_words":19,"start":2226.085,"end":2231.925},{"sentences":[{"text":"Yep.","start":2231.77,"end":2232.27,"sentiment":"neutral","sentiment_score":0.05788331478834152}],"sentiment":"neutral","sentiment_score":0.05788331478834152,"channel":1,"num_words":1,"start":2231.77,"end":2232.27},{"sentences":[{"text":"coffee at the shops and buying","start":2231.925,"end":2234.165,"sentiment":"neutral","sentiment_score":0.07401347222427528}],"sentiment":"neutral","sentiment_score":0.07401347222427528,"channel":0,"num_words":6,"start":2231.925,"end":2234.165},{"sentences":[{"text":"Mhmm.","start":2233.77,"end":2234.27,"sentiment":"neutral","sentiment_score":0.024024449288845066}],"sentiment":"neutral","sentiment_score":0.024024449288845066,"channel":1,"num_words":1,"start":2233.77,"end":2234.27},{"sentences":[{"text":"alcohol and going to the movies?","start":2234.165,"end":2235.865,"sentiment":"neutral","sentiment_score":0.057114080215493836}],"sentiment":"neutral","sentiment_score":0.057114080215493836,"channel":0,"num_words":6,"start":2234.165,"end":2235.865},{"sentences":[{"text":"Yep.","start":2236.41,"end":2236.91,"sentiment":"neutral","sentiment_score":0.04987538978457451}],"sentiment":"neutral","sentiment_score":0.04987538978457451,"channel":1,"num_words":1,"start":2236.41,"end":2236.91},{"sentences":[{"text":"That's your splurge category.","start":2237.365,"end":2238.985,"sentiment":"neutral","sentiment_score":0.06061744596809149},{"text":"Then you've got long term stuff.","start":2239.66,"end":2241.42,"sentiment":"neutral","sentiment_score":0.05276374612003565},{"text":"How much are you putting aside to pay for holidays and and the larger things","start":2241.42,"end":2246.22,"sentiment":"neutral","sentiment_score":0.08858925625681877}],"sentiment":"neutral","sentiment_score":0.07551564417779445,"channel":0,"num_words":25,"start":2237.365,"end":2246.22},{"sentences":[{"text":"Mhmm.","start":2246.0251,"end":2246.425,"sentiment":"neutral","sentiment_score":0.035865236073732376}],"sentiment":"neutral","sentiment_score":0.035865236073732376,"channel":1,"num_words":1,"start":2246.0251,"end":2246.425},{"sentences":[{"text":"of life,","start":2246.22,"end":2246.62,"sentiment":"neutral","sentiment_score":0.03490379825234413}],"sentiment":"neutral","sentiment_score":0.03490379825234413,"channel":0,"num_words":2,"start":2246.22,"end":2246.62},{"sentences":[{"text":"You wanna","start":2246.425,"end":2246.905,"sentiment":"neutral","sentiment_score":0.05972469598054885}],"sentiment":"neutral","sentiment_score":0.05972469598054885,"channel":1,"num_words":2,"start":2246.425,"end":2246.905},{"sentences":[{"text":"and then","start":2246.62,"end":2246.94,"sentiment":"neutral","sentiment_score":0.0811835378408432}],"sentiment":"neutral","sentiment_score":0.0811835378408432,"channel":0,"num_words":2,"start":2246.62,"end":2246.94},{"sentences":[{"text":"process","start":2246.905,"end":2247.405,"sentiment":"neutral","sentiment_score":0.06476496160030365}],"sentiment":"neutral","sentiment_score":0.06476496160030365,"channel":1,"num_words":1,"start":2246.905,"end":2247.405},{"sentences":[{"text":"how much can","start":2246.94,"end":2247.5,"sentiment":"neutral","sentiment_score":0.057779780278603234}],"sentiment":"neutral","sentiment_score":0.057779780278603234,"channel":0,"num_words":3,"start":2246.94,"end":2247.5},{"sentences":[{"text":"today?","start":2247.465,"end":2247.965,"sentiment":"neutral","sentiment_score":0.03186924383044243}],"sentiment":"neutral","sentiment_score":0.03186924383044243,"channel":1,"num_words":1,"start":2247.465,"end":2247.965},{"sentences":[{"text":"you actually save?","start":2247.5,"end":2248.64,"sentiment":"neutral","sentiment_score":0.06771429876486461}],"sentiment":"neutral","sentiment_score":0.06771429876486461,"channel":0,"num_words":3,"start":2247.5,"end":2248.64},{"sentences":[{"text":"Okay.","start":2248.825,"end":2249.225,"sentiment":"neutral","sentiment_score":0.04795881360769272},{"text":"How many?","start":2249.225,"end":2249.885,"sentiment":"neutral","sentiment_score":0.04751598183065653},{"text":"Yep.","start":2250.745,"end":2251.245,"sentiment":"neutral","sentiment_score":0.09002312272787094}],"sentiment":"neutral","sentiment_score":0.05825347499921918,"channel":1,"num_words":4,"start":2248.825,"end":2251.245},{"sentences":[{"text":"What this does is if you do that as a percentage of your income, usually, you wanna aim for about no more than 60% of your income going to expenses and no more than 10% of your income going towards just splurging money on this, that, and the other.","start":2251.42,"end":2267.215,"sentiment":"neutral","sentiment_score":0.0384416614412045}],"sentiment":"neutral","sentiment_score":0.0384416614412045,"channel":0,"num_words":49,"start":2251.42,"end":2267.215},{"sentences":[{"text":"Mhmm.","start":2268.2898,"end":2268.7898,"sentiment":"neutral","sentiment_score":0.03727264329791069}],"sentiment":"neutral","sentiment_score":0.03727264329791069,"channel":1,"num_words":1,"start":2268.2898,"end":2268.7898},{"sentences":[{"text":"So if your expenses end up being 75% of your income, well, that's the area to focus on.","start":2269.14,"end":2275.14,"sentiment":"neutral","sentiment_score":0.05150131591492229},{"text":"Right?","start":2275.14,"end":2275.38,"sentiment":"neutral","sentiment_score":0.03853735327720642},{"text":"It's either","start":2275.38,"end":2275.94,"sentiment":"neutral","sentiment_score":0.033641861751675606}],"sentiment":"neutral","sentiment_score":0.04918308396424566,"channel":0,"num_words":21,"start":2269.14,"end":2275.94},{"sentences":[{"text":"Mhmm.","start":2275.745,"end":2276.245,"sentiment":"neutral","sentiment_score":0.014183809980750084}],"sentiment":"neutral","sentiment_score":0.014183809980750084,"channel":1,"num_words":1,"start":2275.745,"end":2276.245},{"sentences":[{"text":"how do we get our expenses down or our income","start":2275.94,"end":2278.66,"sentiment":"neutral","sentiment_score":0.015669574216008186}],"sentiment":"neutral","sentiment_score":0.015669574216008186,"channel":0,"num_words":10,"start":2275.94,"end":2278.66},{"sentences":[{"text":"Mhmm.","start":2278.305,"end":2278.805,"sentiment":"neutral","sentiment_score":0.006528699770569801}],"sentiment":"neutral","sentiment_score":0.006528699770569801,"channel":1,"num_words":1,"start":2278.305,"end":2278.805},{"sentences":[{"text":"up.","start":2278.66,"end":2279.16,"sentiment":"neutral","sentiment_score":0.01159587036818266},{"text":"And then if the splurge is the quarter of what you earn, then that's","start":2279.3152,"end":2283.235,"sentiment":"neutral","sentiment_score":0.01036642405337521}],"sentiment":"neutral","sentiment_score":0.01044838714102904,"channel":0,"num_words":15,"start":2278.66,"end":2283.235},{"sentences":[{"text":"Mhmm.","start":2283.0251,"end":2283.5251,"sentiment":"neutral","sentiment_score":-0.023524262011051175}],"sentiment":"neutral","sentiment_score":-0.023524262011051175,"channel":1,"num_words":1,"start":2283.0251,"end":2283.5251},{"sentences":[{"text":"what you look at for cutting and so on.","start":2283.235,"end":2285.415,"sentiment":"neutral","sentiment_score":-0.03074405901134014}],"sentiment":"neutral","sentiment_score":-0.03074405901134014,"channel":0,"num_words":9,"start":2283.235,"end":2285.415},{"sentences":[{"text":"Mhmm.","start":2285.72,"end":2286.22,"sentiment":"neutral","sentiment_score":0.0164242722094059}],"sentiment":"neutral","sentiment_score":0.0164242722094059,"channel":1,"num_words":1,"start":2285.72,"end":2286.22},{"sentences":[{"text":"So the first thing you do is just get a lay of the land and go, okay.","start":2288.115,"end":2291.3152,"sentiment":"neutral","sentiment_score":0.025094617706011322},{"text":"This is all must have absolutely necessary expenses.","start":2291.3152,"end":2294.375,"sentiment":"neutral","sentiment_score":-0.001867120387032628}],"sentiment":"neutral","sentiment_score":0.01646686151623726,"channel":0,"num_words":25,"start":2288.115,"end":2294.375},{"sentences":[{"text":"Mhmm.","start":2294.1199,"end":2294.6199,"sentiment":"neutral","sentiment_score":-0.03194662183523178}],"sentiment":"neutral","sentiment_score":-0.03194662183523178,"channel":1,"num_words":1,"start":2294.1199,"end":2294.6199},{"sentences":[{"text":"This is","start":2294.9302,"end":2295.33,"sentiment":"neutral","sentiment_score":-0.10481522604823112}],"sentiment":"neutral","sentiment_score":-0.10481522604823112,"channel":0,"num_words":2,"start":2294.9302,"end":2295.33},{"sentences":[{"text":"Mhmm.","start":2295.24,"end":2295.74,"sentiment":"neutral","sentiment_score":-0.1145068109035492}],"sentiment":"neutral","sentiment_score":-0.1145068109035492,"channel":1,"num_words":1,"start":2295.24,"end":2295.74},{"sentences":[{"text":"all the the sort of crap, so I'm sorry to say, that","start":2295.33,"end":2298.29,"sentiment":"neutral","sentiment_score":-0.25433259705702466}],"sentiment":"neutral","sentiment_score":-0.25433259705702466,"channel":0,"num_words":12,"start":2295.33,"end":2298.29},{"sentences":[{"text":"Mhmm.","start":2298.28,"end":2298.78,"sentiment":"neutral","sentiment_score":-0.10515578091144562}],"sentiment":"neutral","sentiment_score":-0.10515578091144562,"channel":1,"num_words":1,"start":2298.28,"end":2298.78},{"sentences":[{"text":"we're spending on.","start":2298.29,"end":2299.4302,"sentiment":"neutral","sentiment_score":-0.07948534935712814},{"text":"Let's percentage it on our incomes as a common combination,","start":2299.6501,"end":2303.11,"sentiment":"neutral","sentiment_score":-0.006056012772023678}],"sentiment":"neutral","sentiment_score":-0.02300124429166317,"channel":0,"num_words":13,"start":2298.29,"end":2303.11},{"sentences":[{"text":"Mhmm.","start":2303.585,"end":2304.085,"sentiment":"neutral","sentiment_score":-0.021191801875829697}],"sentiment":"neutral","sentiment_score":-0.021191801875829697,"channel":1,"num_words":1,"start":2303.585,"end":2304.085},{"sentences":[{"text":"and then","start":2303.9702,"end":2304.29,"sentiment":"neutral","sentiment_score":-0.005445689894258977}],"sentiment":"neutral","sentiment_score":-0.005445689894258977,"channel":0,"num_words":2,"start":2303.9702,"end":2304.29},{"sentences":[{"text":"Yep.","start":2304.225,"end":2304.725,"sentiment":"neutral","sentiment_score":-0.020499370992183685}],"sentiment":"neutral","sentiment_score":-0.020499370992183685,"channel":1,"num_words":1,"start":2304.225,"end":2304.725},{"sentences":[{"text":"just see where the red flag is.","start":2304.29,"end":2305.9102,"sentiment":"neutral","sentiment_score":-0.06041458887713296},{"text":"60","start":2306.85,"end":2307.25,"sentiment":"neutral","sentiment_score":-0.005122361704707146}],"sentiment":"neutral","sentiment_score":-0.053503060480579734,"channel":0,"num_words":8,"start":2304.29,"end":2307.25},{"sentences":[{"text":"Yeah.","start":2306.945,"end":2307.445,"sentiment":"neutral","sentiment_score":0.003331472165882587}],"sentiment":"neutral","sentiment_score":0.003331472165882587,"channel":1,"num_words":1,"start":2306.945,"end":2307.445},{"sentences":[{"text":"percent, 10%, 10%, 20% for expenses,","start":2307.25,"end":2311.855,"sentiment":"neutral","sentiment_score":0.03637748397886753}],"sentiment":"neutral","sentiment_score":0.03637748397886753,"channel":0,"num_words":6,"start":2307.25,"end":2311.855},{"sentences":[{"text":"Mhmm.","start":2311.5051,"end":2312.0051,"sentiment":"neutral","sentiment_score":0.04996386170387268},{"text":"Yep.","start":2312.04,"end":2312.54,"sentiment":"neutral","sentiment_score":0.12556396424770355}],"sentiment":"neutral","sentiment_score":0.08776391297578812,"channel":1,"num_words":2,"start":2311.5051,"end":2312.54},{"sentences":[{"text":"splurging, long term, fun, and savings is the goal.","start":2312.235,"end":2318.255,"sentiment":"neutral","sentiment_score":0.2340827617380354}],"sentiment":"neutral","sentiment_score":0.2340827617380354,"channel":0,"num_words":9,"start":2312.235,"end":2318.255},{"sentences":[{"text":"Yep.","start":2318.04,"end":2318.54,"sentiment":"neutral","sentiment_score":0.1477697193622589}],"sentiment":"neutral","sentiment_score":0.1477697193622589,"channel":1,"num_words":1,"start":2318.04,"end":2318.54},{"sentences":[{"text":"And you can see very quickly where you guys are are spending the money.","start":2318.635,"end":2322.335,"sentiment":"neutral","sentiment_score":0.14000679925084114}],"sentiment":"neutral","sentiment_score":0.14000679925084114,"channel":0,"num_words":14,"start":2318.635,"end":2322.335},{"sentences":[{"text":"Yeah.","start":2324.84,"end":2325.34,"sentiment":"neutral","sentiment_score":0.26639091968536377},{"text":"Sounds good.","start":2325.6401,"end":2326.515,"sentiment":"positive","sentiment_score":0.4429332166910171}],"sentiment":"positive","sentiment_score":0.3840857843557994,"channel":1,"num_words":3,"start":2324.84,"end":2326.515},{"sentences":[{"text":"And so I'll include that in an email, and I'll send through,","start":2326.27,"end":2329.31,"sentiment":"neutral","sentiment_score":0.1840084120631218}],"sentiment":"neutral","sentiment_score":0.1840084120631218,"channel":0,"num_words":12,"start":2326.27,"end":2329.31},{"sentences":[{"text":"Yep.","start":2329.075,"end":2329.575,"sentiment":"neutral","sentiment_score":0.12366561591625214}],"sentiment":"neutral","sentiment_score":0.12366561591625214,"channel":1,"num_words":1,"start":2329.075,"end":2329.575},{"sentences":[{"text":"like, the budget spreadsheet and just a bit of a a bit of a shortcut breakdown for it.","start":2329.31,"end":2335.33,"sentiment":"neutral","sentiment_score":0.1409694647623433}],"sentiment":"neutral","sentiment_score":0.1409694647623433,"channel":0,"num_words":18,"start":2329.31,"end":2335.33},{"sentences":[{"text":"Yep.","start":2335.2349,"end":2335.7349,"sentiment":"neutral","sentiment_score":0.06881804019212723}],"sentiment":"neutral","sentiment_score":0.06881804019212723,"channel":1,"num_words":1,"start":2335.2349,"end":2335.7349},{"sentences":[{"text":"But at","start":2335.695,"end":2336.175,"sentiment":"neutral","sentiment_score":0.0524592399597168}],"sentiment":"neutral","sentiment_score":0.0524592399597168,"channel":0,"num_words":2,"start":2335.695,"end":2336.175},{"sentences":[{"text":"Yep.","start":2335.9548,"end":2336.4548,"sentiment":"neutral","sentiment_score":0.03888889402151108}],"sentiment":"neutral","sentiment_score":0.03888889402151108,"channel":1,"num_words":1,"start":2335.9548,"end":2336.4548},{"sentences":[{"text":"any point, that's probably your next step is just to sit down and go through it.","start":2336.175,"end":2339.955,"sentiment":"neutral","sentiment_score":0.05849641386885196}],"sentiment":"neutral","sentiment_score":0.05849641386885196,"channel":0,"num_words":16,"start":2336.175,"end":2339.955},{"sentences":[{"text":"Yeah.","start":2339.875,"end":2340.36,"sentiment":"neutral","sentiment_score":0.05169648677110672}],"sentiment":"neutral","sentiment_score":0.05169648677110672,"channel":1,"num_words":1,"start":2339.875,"end":2340.36},{"sentences":[{"text":"You don't have to do it very often because if you do identify some things to change, you still need to kind of give it a go for a few months and then adjust from there because no one's perfect with budgeting those first three months.","start":2340.2551,"end":2353.78,"sentiment":"neutral","sentiment_score":-0.038649341536928776}],"sentiment":"neutral","sentiment_score":-0.038649341536928776,"channel":0,"num_words":46,"start":2340.2551,"end":2353.78},{"sentences":[{"text":"Mhmm.","start":2353.9602,"end":2354.2002,"sentiment":"neutral","sentiment_score":0.029634064063429832},{"text":"Yep.","start":2354.2002,"end":2354.7002,"sentiment":"neutral","sentiment_score":0.06234685704112053}],"sentiment":"neutral","sentiment_score":0.04599046055227518,"channel":1,"num_words":2,"start":2353.9602,"end":2354.7002},{"sentences":[{"text":"It usually takes a couple of years of refining it, if that makes sense.","start":2354.24,"end":2358.34,"sentiment":"neutral","sentiment_score":0.03181067747729165}],"sentiment":"neutral","sentiment_score":0.03181067747729165,"channel":0,"num_words":14,"start":2354.24,"end":2358.34},{"sentences":[{"text":"Yeah.","start":2358.665,"end":2359.165,"sentiment":"neutral","sentiment_score":0.23221173882484436},{"text":"Good.","start":2360.8252,"end":2361.3252,"sentiment":"positive","sentiment_score":0.4439302086830139},{"text":"Thank","start":2361.465,"end":2361.705,"sentiment":"positive","sentiment_score":0.5342612266540527}],"sentiment":"positive","sentiment_score":0.403467724720637,"channel":1,"num_words":3,"start":2358.665,"end":2361.705},{"sentences":[{"text":"Okay.","start":2361.6802,"end":2362.1802,"sentiment":"positive","sentiment_score":0.4851922392845154}],"sentiment":"positive","sentiment_score":0.4851922392845154,"channel":0,"num_words":1,"start":2361.6802,"end":2362.1802},{"sentences":[{"text":"you so much.","start":2361.705,"end":2362.685,"sentiment":"positive","sentiment_score":0.6011970639228821}],"sentiment":"positive","sentiment_score":0.6011970639228821,"channel":1,"num_words":3,"start":2361.705,"end":2362.685},{"sentences":[{"text":"Now","start":2362.24,"end":2362.74,"sentiment":"positive","sentiment_score":0.3549776077270508}],"sentiment":"positive","sentiment_score":0.3549776077270508,"channel":0,"num_words":1,"start":2362.24,"end":2362.74},{"sentences":[{"text":"Yeah.","start":2362.745,"end":2363.225,"sentiment":"neutral","sentiment_score":0.2845412790775299},{"text":"Thank you.","start":2363.225,"end":2363.965,"sentiment":"neutral","sentiment_score":0.3270885944366455}],"sentiment":"neutral","sentiment_score":0.312906155983607,"channel":1,"num_words":3,"start":2362.745,"end":2363.965},{"sentences":[{"text":"I hope that's been helpful, guys.","start":2363.815,"end":2365.2551,"sentiment":"positive","sentiment_score":0.617276151974996},{"text":"I'm sorry I couldn't give you some easy","start":2365.2551,"end":2366.7751,"sentiment":"neutral","sentiment_score":-0.19195163063704967}],"sentiment":"neutral","sentiment_score":0.15486027619668416,"channel":0,"num_words":14,"start":2363.815,"end":2366.7751},{"sentences":[{"text":"No.","start":2366.665,"end":2366.905,"sentiment":"neutral","sentiment_score":-0.16334035992622375}],"sentiment":"neutral","sentiment_score":-0.16334035992622375,"channel":1,"num_words":1,"start":2366.665,"end":2366.905},{"sentences":[{"text":"answers","start":2366.7751,"end":2367.095,"sentiment":"neutral","sentiment_score":-0.22664719820022583}],"sentiment":"neutral","sentiment_score":-0.22664719820022583,"channel":0,"num_words":1,"start":2366.7751,"end":2367.095},{"sentences":[{"text":"Totally","start":2366.905,"end":2367.385,"sentiment":"neutral","sentiment_score":-0.12098737061023712}],"sentiment":"neutral","sentiment_score":-0.12098737061023712,"channel":1,"num_words":1,"start":2366.905,"end":2367.385},{"sentences":[{"text":"today.","start":2367.095,"end":2367.595,"sentiment":"neutral","sentiment_score":-0.04480937123298645}],"sentiment":"neutral","sentiment_score":-0.04480937123298645,"channel":0,"num_words":1,"start":2367.095,"end":2367.595},{"sentences":[{"text":"not.","start":2367.385,"end":2367.7852,"sentiment":"neutral","sentiment_score":-0.027681630104780197},{"text":"You've we've learned a lot, so that's the main aim.","start":2367.7852,"end":2370.3652,"sentiment":"neutral","sentiment_score":0.2790743365883827}],"sentiment":"neutral","sentiment_score":0.2511874305253679,"channel":1,"num_words":11,"start":2367.385,"end":2370.3652},{"sentences":[{"text":"Awesome.","start":2371.895,"end":2372.395,"sentiment":"positive","sentiment_score":0.8280059099197388},{"text":"I'm glad.","start":2372.455,"end":2373.115,"sentiment":"positive","sentiment_score":0.7972928285598755},{"text":"Do you have the questions you've got me that I haven't covered off on?","start":2373.335,"end":2377.17,"sentiment":"neutral","sentiment_score":0.1496360025235585}],"sentiment":"neutral","sentiment_score":0.26573503543348875,"channel":0,"num_words":17,"start":2371.895,"end":2377.17},{"sentences":[{"text":"Nope.","start":2378.54,"end":2379.04,"sentiment":"neutral","sentiment_score":0.019343450665473935},{"text":"Everything's fine.","start":2379.5,"end":2380.48,"sentiment":"neutral","sentiment_score":0.20739345252513885},{"text":"Yeah.","start":2381.6602,"end":2382.1602,"sentiment":"neutral","sentiment_score":0.2311437427997589},{"text":"Yep.","start":2383.18,"end":2383.68,"sentiment":"neutral","sentiment_score":0.25615963339805603}],"sentiment":"neutral","sentiment_score":0.1842867463827133,"channel":1,"num_words":5,"start":2378.54,"end":2383.68},{"sentences":[{"text":"Absolutely.","start":2385.73,"end":2386.23,"sentiment":"positive","sentiment_score":0.4231739044189453},{"text":"Like I said, Dana is your dedicated adviser.","start":2386.93,"end":2389.3499,"sentiment":"positive","sentiment_score":0.34090430475771427},{"text":"I'm here to assist you, and so is Larissa, our head of advice.","start":2389.41,"end":2392.47,"sentiment":"positive","sentiment_score":0.396047626550381},{"text":"If","start":2392.9148,"end":2393.1548,"sentiment":"neutral","sentiment_score":0.0925191044807434}],"sentiment":"positive","sentiment_score":0.36484985183114593,"channel":0,"num_words":23,"start":2385.73,"end":2393.1548},{"sentences":[{"text":"Yep.","start":2393.125,"end":2393.625,"sentiment":"neutral","sentiment_score":0.11716189235448836}],"sentiment":"neutral","sentiment_score":0.11716189235448836,"channel":1,"num_words":1,"start":2393.125,"end":2393.625},{"sentences":[{"text":"at any point you would like to speak to someone, please just call the team and book in with Dana or ourselves.","start":2393.1548,"end":2398.615,"sentiment":"neutral","sentiment_score":0.11773262037472292}],"sentiment":"neutral","sentiment_score":0.11773262037472292,"channel":0,"num_words":22,"start":2393.1548,"end":2398.615},{"sentences":[{"text":"Yep.","start":2399.06,"end":2399.56,"sentiment":"neutral","sentiment_score":0.15333837270736694}],"sentiment":"neutral","sentiment_score":0.15333837270736694,"channel":1,"num_words":1,"start":2399.06,"end":2399.56},{"sentences":[{"text":"And like I said, I'll try and email you probably Monday, Tuesday.","start":2399.075,"end":2402.375,"sentiment":"neutral","sentiment_score":0.1793792856236299}],"sentiment":"neutral","sentiment_score":0.1793792856236299,"channel":0,"num_words":12,"start":2399.075,"end":2402.375},{"sentences":[{"text":"Yep.","start":2402.6602,"end":2403.1602,"sentiment":"positive","sentiment_score":0.33644622564315796}],"sentiment":"positive","sentiment_score":0.33644622564315796,"channel":1,"num_words":1,"start":2402.6602,"end":2403.1602},{"sentences":[{"text":"And, hopefully, every year, we get a few good wins under the belt, and you guys are in a great position in five years' time.","start":2402.835,"end":2409.69,"sentiment":"positive","sentiment_score":0.7080101370811462}],"sentiment":"positive","sentiment_score":0.7080101370811462,"channel":0,"num_words":25,"start":2402.835,"end":2409.69},{"sentences":[{"text":"Yep.","start":2410.02,"end":2410.1,"sentiment":"neutral","sentiment_score":0.24809113144874573},{"text":"Yep.","start":2410.1,"end":2410.6,"sentiment":"neutral","sentiment_score":0.27234914898872375},{"text":"Thank you so much for your time.","start":2410.825,"end":2412.605,"sentiment":"positive","sentiment_score":0.7810494303703308},{"text":"Thank you.","start":2412.665,"end":2413.405,"sentiment":"positive","sentiment_score":0.6505589187145233},{"text":"Alright.","start":2413.865,"end":2414.365,"sentiment":"neutral","sentiment_score":0.3308870792388916}],"sentiment":"positive","sentiment_score":0.6349826008081436,"channel":1,"num_words":12,"start":2410.02,"end":2414.365},{"sentences":[{"text":"Take care.","start":2414.425,"end":2415.165,"sentiment":"positive","sentiment_score":0.36440277099609375}],"sentiment":"positive","sentiment_score":0.36440277099609375,"channel":1,"num_words":2,"start":2414.425,"end":2415.165},{"sentences":[{"text":"You guys are","start":2415.03,"end":2415.5898,"sentiment":"neutral","sentiment_score":0.2491552084684372}],"sentiment":"neutral","sentiment_score":0.2491552084684372,"channel":0,"num_words":3,"start":2415.03,"end":2415.5898},{"sentences":[{"text":"Take","start":2415.465,"end":2415.705,"sentiment":"neutral","sentiment_score":0.19630561769008636}],"sentiment":"neutral","sentiment_score":0.19630561769008636,"channel":1,"num_words":1,"start":2415.465,"end":2415.705},{"sentences":[{"text":"most","start":2415.5898,"end":2415.8298,"sentiment":"positive","sentiment_score":0.37973007559776306}],"sentiment":"positive","sentiment_score":0.37973007559776306,"channel":0,"num_words":1,"start":2415.5898,"end":2415.8298},{"sentences":[{"text":"care.","start":2415.705,"end":2416.205,"sentiment":"neutral","sentiment_score":0.3175681233406067}],"sentiment":"neutral","sentiment_score":0.3175681233406067,"channel":1,"num_words":1,"start":2415.705,"end":2416.205},{"sentences":[{"text":"welcome.","start":2415.8298,"end":2416.3298,"sentiment":"positive","sentiment_score":0.4685790538787842}],"sentiment":"positive","sentiment_score":0.4685790538787842,"channel":0,"num_words":1,"start":2415.8298,"end":2416.3298},{"sentences":[{"text":"Yep.","start":2416.425,"end":2416.905,"sentiment":"neutral","sentiment_score":0.28459131717681885}],"sentiment":"neutral","sentiment_score":0.28459131717681885,"channel":1,"num_words":1,"start":2416.425,"end":2416.905},{"sentences":[{"text":"Have","start":2416.8308,"end":2417.0708,"sentiment":"positive","sentiment_score":0.42853599786758423}],"sentiment":"positive","sentiment_score":0.42853599786758423,"channel":0,"num_words":1,"start":2416.8308,"end":2417.0708},{"sentences":[{"text":"Bye.","start":2416.905,"end":2417.405,"sentiment":"positive","sentiment_score":0.3891841769218445}],"sentiment":"positive","sentiment_score":0.3891841769218445,"channel":1,"num_words":1,"start":2416.905,"end":2417.405},{"sentences":[{"text":"a great","start":2417.0708,"end":2417.651,"sentiment":"positive","sentiment_score":0.6004623472690582}],"sentiment":"positive","sentiment_score":0.6004623472690582,"channel":0,"num_words":2,"start":2417.0708,"end":2417.651},{"sentences":[{"text":"Have a good day.","start":2417.545,"end":2418.345,"sentiment":"positive","sentiment_score":0.644054189324379},{"text":"You too.","start":2418.345,"end":2418.905,"sentiment":"positive","sentiment_score":0.397286131978035},{"text":"Bye.","start":2418.905,"end":2419.405,"sentiment":"neutral","sentiment_score":0.25835442543029785}],"sentiment":"positive","sentiment_score":0.5184490638119834,"channel":1,"num_words":7,"start":2417.545,"end":2419.405},{"sentences":[{"text":"weekend.","start":2420.421,"end":2420.671,"sentiment":"positive","sentiment_score":0.3801787495613098},{"text":"Cheers.","start":2420.671,"end":2421.0708,"sentiment":"positive","sentiment_score":0.5551792979240417},{"text":"Bye.","start":2421.0708,"end":2421.5708,"sentiment":"neutral","sentiment_score":-0.09668661653995514}],"sentiment":"neutral","sentiment_score":0.27955714364846546,"channel":0,"num_words":3,"start":2420.421,"end":2421.5708}]},"summary":{"result":"success","short":"The speaker discusses the process for purchasing a super fund and setting up an entity of a super fund. The process is straightforward, including setting up a trust fund and trustee, setting up a trust fund, and setting up an investment account. The speaker emphasizes the importance of avoiding negative gearing and building a cash buffer to avoid unnecessary expenses. The speaker also advises against setting up a super fund to buy a property and suggests setting up a budget planner to see if there is anything that can be fixed. The speaker emphasizes the importance of staying in a stable budget and offers to coach the customer in their financial goals."},"intents":{"segments":[{"text":"I just need to add her on. Yep.","start_word":56,"end_word":63,"intents":[{"intent":"Add to discussions","confidence_score":0.00056911306}]},{"text":"I just need you to confirm date of birth and address when you get it set. 10/31/1982, and it is 742 Slash 9 Rothschild Avenue in Roseberry. Mhmm.","start_word":99,"end_word":126,"intents":[{"intent":"Confirm identity","confidence_score":0.19169272},{"intent":"Confirm address","confidence_score":0.051669754}]},{"text":"Do you mind if I just quickly check security with you just because I'm gonna take Yep. into account your personal details too? Yep.","start_word":218,"end_word":241,"intents":[{"intent":"Check security details","confidence_score":0.068427265},{"intent":"Check security information","confidence_score":0.0066334186}]},{"text":"Now so based on the notes, guys, bit of urgency here, I believe you guys have possibly found a property and are looking to purchase through Super. Is that right? Correct.","start_word":319,"end_word":349,"intents":[{"intent":"Obtain information about property purchase","confidence_score":0.00035398148}]},{"text":"to create a super fund, you essentially need to create the entities that become that trustee, that become that fund. So you guys are with Hub.","start_word":701,"end_word":726,"intents":[{"intent":"Create super fund","confidence_score":0.64608586},{"intent":"Create trust fund","confidence_score":0.036868345}]},{"text":"to create a super fund, you essentially need to create the entities that become that trustee, that become that fund. So you guys are with Hub. They are a trustee. You're gonna create one of those. So what that basically entails is you engage an accountant to create a trust fund and a trustee. So usually, it's a company, a trust in a company that creates your entity of a super fund.","start_word":701,"end_word":772,"intents":[{"intent":"Create trust funds","confidence_score":0.300909}]},{"text":"So you get your four entities set up. That's what the accountant does.","start_word":930,"end_word":942,"intents":[{"intent":"Set up four entities","confidence_score":0.0047593853}]},{"text":"So in terms of serviceability, rather than going off, like, your direct income as if you were owning another property of loan, they're going off your super contributions and the rent in terms of cash flow and serviceability. So your employer contribution and the rent, that's what they take into account for the servicing of the loan. Does that make sense?","start_word":1028,"end_word":1088,"intents":[{"intent":"Educate on serviceability","confidence_score":0.0029383386}]},{"text":"For us, the accountants usually only take one to two weeks to set up all the entities, and we usually go about a fortnight to do the advice, start doing the application, open accounts, and the rollovers can take anywhere between one to three weeks.","start_word":1431,"end_word":1475,"intents":[{"intent":"Set up entities","confidence_score":0.5023454}]},{"text":"The risk is if there's any delay that we wouldn't get the money rolled across and ready for the loan in time.","start_word":1501,"end_word":1522,"intents":[{"intent":"Avoid delays","confidence_score":0.00438802}]},{"text":"The thing that I'm kind of concerned with at the moment, I've just been talking to all of our brokers in the network. There's about four or five. They're not actually sure whether the banks will continue to do the lending and applications all the way up until that forty fifth day.","start_word":1523,"end_word":1574,"intents":[{"intent":"Discuss loan","confidence_score":0.003383663}]},{"text":"So my my honest answer here is you're probably better off purchasing it directly than rather than through super. And if you're gonna go through the super outlet, say that you're adamant, no. We've got it here. We know it's financially viable. We're just gonna go ahead and get this done in time, is even potentially skip us altogether. Sorry.","start_word":1702,"end_word":1761,"intents":[{"intent":"Discuss buying options","confidence_score":0.0068171117},{"intent":"Adapt to super","confidence_score":0.0000046900536},{"intent":"Reject extra charges","confidence_score":0.0000021457122}]},{"text":"If the deal can be extended, is is that what you're saying? Like, if we can get the deal to be extended to give us a bit more time, then then it will be okay?","start_word":1883,"end_word":1917,"intents":[{"intent":"Extend deal","confidence_score":0.31936842}]},{"text":"if we try and go through our usual advice process, get you to sign your statements of advice, set up accounts and applications and everything, that might be three, four weeks down the line before we get all the funds rolled across if everything goes perfectly.","start_word":1982,"end_word":2027,"intents":[{"intent":"Follow advice","confidence_score":0.028414775}]},{"text":"So I'm just giving you that option to say, like, you don't have to go the route that I'm saying. That's our standard process.","start_word":2077,"end_word":2100,"intents":[{"intent":"Give option","confidence_score":0.0019106424}]},{"text":"We can help facilitate things like selling down your hub 24 so it's available to roll across quickly. But you just need a really good accountant who can actually set everything up and actually do the rollovers properly.","start_word":2127,"end_word":2164,"intents":[{"intent":"Facilitate","confidence_score":0.10695331},{"intent":"Sell hub 24","confidence_score":0.26140368}]},{"text":"What's been happening this year for me personally is I've gone through five self managed super fund setups. Three of them took about six to eight weeks. One of them took four months. One of them took nine months.","start_word":2166,"end_word":2204,"intents":[{"intent":"Manage super funds","confidence_score":0.24905545}]},{"text":"I think it's about 2,200 a year that they charge most of the county. I see.","start_word":2532,"end_word":2547,"intents":[{"intent":"Cost","confidence_score":0.00045885798}]},{"text":"The the the only problem we consider we consider to buy using the super is because we don't have $40 to pull out of the air in order to pay that deposit, Yes.","start_word":2561,"end_word":2593,"intents":[{"intent":"Compare options","confidence_score":0.010410797},{"intent":"Obtain deposit","confidence_score":0.0038173336}]},{"text":"The the the only problem we consider we consider to buy using the super is because we don't have $40 to pull out of the air in order to pay that deposit, Yes. which which were they said was, like I I can't remember. Right? So what if we were to, like, completely I don't know. Do you guys help with refinancing? Yeah.","start_word":2561,"end_word":2623,"intents":[{"intent":"Determine options","confidence_score":0.19757397}]},{"text":"I mean, we've got, like I said, five different brokers, and I usually do the, you know, general advice and the strategy side of things. And then it's just trying to link you up with the right people.","start_word":2624,"end_word":2661,"intents":[{"intent":"Provide advice","confidence_score":0.06355395}]},{"text":"Does that is that something that would work? Like, so we can get, like, the deposit. Is it enough?","start_word":2698,"end_word":2716,"intents":[{"intent":"Determine plan","confidence_score":0.008953814}]},{"text":"I mean, we're still gonna have to borrow the value of the house? I don't know.","start_word":2717,"end_word":2732,"intents":[{"intent":"Borrow house","confidence_score":0.009520215}]},{"text":"We just want to know the option. You know, we we don't mind getting an investment if that's gonna help us in the future to, you know, borrow and buy or purchase our own place.","start_word":2863,"end_word":2897,"intents":[{"intent":"Determine future","confidence_score":0.11476158}]},{"text":"Get to put in So the market and start, you know, building assets personally, I guess, is what you're trying to do. Right? yeah.","start_word":2923,"end_word":2946,"intents":[{"intent":"Manage investments","confidence_score":0.00016894228}]},{"text":"would you would you say that you're kind of first home buyers if you guys owned a property before? Yeah.","start_word":3261,"end_word":3280,"intents":[{"intent":"Confirm first home buyers","confidence_score":0.0019477078},{"intent":"Discuss first home buying laws","confidence_score":0.0003619736},{"intent":"Discuss first home ownership","confidence_score":0.1899888}]},{"text":"Now one of the things that you can do is exactly what you said is, do you go for that first home that you own and and live in yourself and then an investment after that? Or do you get the investment first and then use that as a stepping stone to your own home? Yep.","start_word":3390,"end_word":3445,"intents":[{"intent":"Discuss investment options","confidence_score":0.08188133}]},{"text":"Now that property that you're looking at already for 800,000, that Yep. I'm assuming is it been recently built?","start_word":3446,"end_word":3464,"intents":[{"intent":"Discuss property development","confidence_score":0.0019443035}]},{"text":"I'm assuming is it been recently built?","start_word":3458,"end_word":3464,"intents":[{"intent":"Express uncertainty about property build date","confidence_score":0.00004283337}]},{"text":"So I'm definitely gonna say a no on the self managed super route because if it's not finished yet, you may run into even more trouble where the lender just says, no. We're not gonna we're not gonna approve Got this it. application.","start_word":3525,"end_word":3567,"intents":[{"intent":"Discuss potential issues with lender","confidence_score":0.007126646}]},{"text":"So a new investment property or your own home, that's your best two options, and that's the route to go.","start_word":3620,"end_word":3639,"intents":[{"intent":"Apply for financing options","confidence_score":5.6354514e-7}]},{"text":"That's what puts people under very quickly. Yep. So $9.50 1,000 starts to get better because you're talking, let's say, 7% interest on a $600,000 loan, but a 7% return on 800,000. So you kind of take into account all your costs and repairs and agent fees. You're getting close to breaking even with that type of property.","start_word":3980,"end_word":4037,"intents":[{"intent":"Assess property need","confidence_score":0.00022142143}]},{"text":"If you looked at your budget, I would be I would kind of guess that you're not doing anything too majorly wrong. Like, I I haven't looked at it with you, and it's something Mhmm. that we Mhmm. do do. We do break down budgets with people and see if there is anything glaring that we can point out, but the whole country is kind of in that same boat. Yep.","start_word":4368,"end_word":4438,"intents":[{"intent":"Educate about budgeting","confidence_score":0.00118914}]},{"text":"And it's good to hear that people are also struggling. It's just not us. We're not the the only one. You know? So yeah. And like you said, you know, I think it's gonna be, you know, another eighteen, twenty four months for that to to kind of settle it or whatnot and and for us to change our financial circumstances, and then we can discuss again.","start_word":5169,"end_word":5235,"intents":[{"intent":"Address financial issues","confidence_score":0.0024990807}]},{"text":"So I was just saying, like, because all this is with the self managed. Like, we don't have to have a property first. Like, have a property in mind we wanna purchase to set this all up, can it be that we set it up first with the view of looking for an investment property?","start_word":5562,"end_word":5616,"intents":[{"intent":"Consider property purchase","confidence_score":0.00025786567}]},{"text":"The other thing is that your, you know, your hub 24 and and these sorts of super funds, they can Yep. invest you into pretty much any type of asset. We've got property investments and gold and shares and all these kinds of things. So it's not a problem to actually do all kinds of different investments and get a really good portfolio. Yeah.","start_word":5784,"end_word":5847,"intents":[{"intent":"Explain super funds and investment options","confidence_score":0.00021683253}]},{"text":"One thing as a bit of a bit of homework, you did mention that you and you guys need to sit down to talk through your finances a little bit. Yep.","start_word":6251,"end_word":6281,"intents":[{"intent":"Discuss finances and budget","confidence_score":0.01208366}]},{"text":"you actually save? Okay. How many? Yep. What this does is if you do that as a percentage of your income, usually, you wanna aim for about no more than 60% of your income going to expenses and no more than 10% of your income going towards just splurging money on this, that, and the other. Mhmm.","start_word":6433,"end_word":6489,"intents":[{"intent":"Save money","confidence_score":0.2597766}]},{"text":"So if your expenses end up being 75% of your income, well, that's the area to focus on. Right?","start_word":6489,"end_word":6507,"intents":[{"intent":"Focus on expenses","confidence_score":0.6344299}]},{"text":"And so I'll include that in an email, and I'll send through, Yep. like, the budget spreadsheet and just a bit of a a bit of a shortcut breakdown for it.","start_word":6651,"end_word":6681,"intents":[{"intent":"Include expenses in spreadsheet","confidence_score":0.0039118314}]}]},"sentiments":{"segments":[{"text":"Fine. Good day, Pedro. Tommy here, senior adviser from. How are you going today?","start_word":0,"end_word":13,"sentiment":"positive","sentiment_score":0.38557982444763184},{"text":"Yeah.","start_word":14,"end_word":14,"sentiment":"neutral","sentiment_score":0.28411078453063965},{"text":"Good, mate. Hey. Good. Good. Good Good. morning, Patrick. Good to hear. Good to hear.","start_word":15,"end_word":29,"sentiment":"positive","sentiment_score":0.521373450756073},{"text":"I'm just giving you a call to go through the property self managed super fund discussion with you and Viv. Are you still available? Yeah. Yeah. I just need to add her on. Yep. Mate, that's no worries at all. We're gonna go through some pretty specific details today. Are you okay for me to do that usual security check while you do that? Yep. Yep. That's fine. Yep. I just need you to confirm date of birth and address when you get it set. 10/31/1982, and it is 742 Slash 9 Rothschild Avenue in Roseberry. Mhmm. Sensational. And I'll do just quickly the same as Viv when she hops on as well. Yep. Alright. Give me a sec. No worries at all. Alright. I've got Vivian on the line. Hello?","start_word":30,"end_word":160,"sentiment":"neutral","sentiment_score":0.09716635942459106},{"text":"Perfect.","start_word":161,"end_word":161,"sentiment":"positive","sentiment_score":0.34970539808273315},{"text":"Hi, Vivian. It's Tommy here. I'm the senior adviser at Oakview. How are you going today?","start_word":162,"end_word":177,"sentiment":"neutral","sentiment_score":0.1845656186342239},{"text":"Good. Thank you. Thanks for your time.","start_word":178,"end_word":184,"sentiment":"positive","sentiment_score":0.5132762789726257},{"text":"No worries at all. I had a free hour before the end of the week, so why not fork legislation changes and all the fun of property and super? Yeah. Yeah. Yeah. Sure. Do you mind if I just quickly check security with you just because I'm gonna take Yep. into account your personal details too? Yep. Yep. So I just need your date of birth and address, please. Six of the second nineteen eighty four. My address is 7 oh god. 42 there. 742. Yes. Sorry. July. And I have child of Roseberry.","start_word":185,"end_word":278,"sentiment":"neutral","sentiment_score":0.031398508697748184},{"text":"Perfect. Thank you so much for that.","start_word":279,"end_word":285,"sentiment":"positive","sentiment_score":0.5347280502319336},{"text":"And just so you know who you were talking to, I'm registered with Asic as adviser 1273105, and all Mhmm. the recalls calls are recorded for training and quality purposes. Yep.","start_word":286,"end_word":316,"sentiment":"neutral","sentiment_score":0.09676658362150192},{"text":"Awesome.","start_word":317,"end_word":317,"sentiment":"positive","sentiment_score":0.472359836101532},{"text":"Now so based on the notes, guys, bit of urgency here, I believe you guys have possibly found a property and are looking to purchase through Super. Is that right?","start_word":318,"end_word":347,"sentiment":"neutral","sentiment_score":0.06733328849077225},{"text":"Correct. Awesome.","start_word":348,"end_word":349,"sentiment":"positive","sentiment_score":0.5604748725891113},{"text":"So couple of things I need to go through with you. I've already Yep. looked at both of your files and Yeah. had a bit of an idea and a few list of things I wanted to cover. But just let me know where you're up to at the moment. So you've found a property. Have you engaged with any accountants or brokers at the moment? No. No. No. No. I don't. Okay. Alrighty. Can you walk me through the property that you found just in terms of how much the the purchase price of the property? Yeah. So the purchase price is around 800. Yep. It's in Carlingford. It's an apartment. It'll be bought off the plan. Yep. And yeah. Basically, we're just looking at options. So, obviously, one of the options was to get to borrow from the bank. Another one was asking it was, like, a percent. They just needed 5%. Okay. It was, like, 5%. Yeah. They were only asking for 5% as opposed to what they would usually ask for. And, well, basically, we just wanted to navigate to see how possible it is for us.","start_word":350,"end_word":540,"sentiment":"neutral","sentiment_score":0.019743790850043297},{"text":"I mean, it it is a very good deal.","start_word":541,"end_word":549,"sentiment":"positive","sentiment_score":0.45598798990249634},{"text":"We know the person through Yep. a close friend of ours. She's been doing this for a while, and the the opportunity was offered to us. And so, yeah, we just wanted want to see how possible is it? Should we, shouldn't we, risks, etcetera. Yep. Absolutely. So where I'll start with that is the 5% that you were just talking about, was that what you were thinking if you were purchasing it personally? Oh, for a deposit. Sorry. Was it a 5% deposit to purchase it directly? Correct. Yep. Okay. Cool. So when it comes to purchasing through super, I'll give you, I guess, in layman's terms how the structure works. Are you familiar at all with the structure of self managed super funds? No. Nothing. So I'll give you the full breakdown, and then we'll kind of step through pros, cons, and what's possible and what's not. So Yep. to create a super fund, you essentially need to create the entities that become that trustee, that become that fund. So you guys are with Hub. They are a trustee. You're gonna create one of those. So what that basically entails is you engage an accountant to create a trust fund and a trustee. So usually, it's a company, a trust in a company that creates your entity of a super fund. With me so far? Yep. Now from that point, you do need to create another bear trust and bear trustee, which is to hold the loan. Because what they're banning at the moment after that forty five day cutoff is called LRBA, limited recourse borrowing arrangement. In order to borrow money with your super, you need to go through this extra structure, which is basically another trust in another company holds the loan a little bit off to the side. So you have two trust funds and two companies. Does that make sense? Mhmm. Yep. Cool. So that usually costs anywhere between, I guess, 2 and 5,000 through the super fund. Mhmm. I know some accountants like to charge you directly and you have to reimburse yourself, but some of them will let you just set it up. And then once it's all established, you can kind of just pay their invoices through Superfunds. Mhmm. Yep.","start_word":550,"end_word":928,"sentiment":"neutral","sentiment_score":0.04595348463052181},{"text":"Cool. So you get your four entities set up.","start_word":929,"end_word":937,"sentiment":"positive","sentiment_score":0.37030187249183655},{"text":"That's what the accountant does. Obviously, brokers to do lending. Normally, Mhmm. with Superfund lending, it used to be a 50% deposit, but these days, 20% is pretty good.","start_word":938,"end_word":966,"sentiment":"neutral","sentiment_score":0.19746847450733185},{"text":"And based on 800,000 and the balance that you guys have, which is about $3.75 combined, little bit in CareSuper, 20% deposit is not gonna be a problem for Right.","start_word":967,"end_word":996,"sentiment":"positive","sentiment_score":0.3834442496299744},{"text":"you guys. K? Now I believe your incomes, you're both pretty well 6 figures in terms of income. I think combined household income's over 200 Yep. Yep. thousand. Yep.","start_word":997,"end_word":1025,"sentiment":"neutral","sentiment_score":0.16393056511878967},{"text":"Cool.","start_word":1026,"end_word":1026,"sentiment":"positive","sentiment_score":0.36200612783432007},{"text":"So in terms of serviceability, rather than going off, like, your direct income as if you were owning another property of loan, they're going off your super contributions and the rent in terms of cash flow and serviceability. So your employer contribution and the rent, that's what they take into account for the servicing of the loan. Does that make sense? Mhmm. Yep.","start_word":1027,"end_word":1089,"sentiment":"neutral","sentiment_score":0.09003224968910217},{"text":"Cool.","start_word":1090,"end_word":1090,"sentiment":"positive","sentiment_score":0.4553515911102295},{"text":"So on paper, the property purchase price, the funds that you've got, income and contributions that you've got, I don't see any problems with 800,000. Okay. K? Now in terms of the advice process for us to be involved, what we normally do past that point so let's say you've got the account set up your trust funds and companies. You've got all these entities. Now you have a super fund. You actually Mhmm. need the accounts to facilitate it. So what we do in our strategy is we recommend, like, a bank account so that the funds can come in and it can pay the loans and roll funds in from your super and pay for fees and premiums and contributions. The bank account kind of acts as that central hub for all the money to flow through. Mhmm. Yep. Alongside that, we normally open, like, an investment account that mimics what your hub twenty four does so that all the funds can come in and buy the property. Anything that's not needed for the property, you can continue to invest that like you were doing for your super.","start_word":1091,"end_word":1280,"sentiment":"neutral","sentiment_score":0.18404224514961243},{"text":"So both can kind of grow in parallel.","start_word":1281,"end_word":1288,"sentiment":"positive","sentiment_score":0.34894701838493347},{"text":"Does that make sense? Mhmm. Yep. Yep. Now at this point, because of the cost of the accountant so I usually estimate $5 for the entities. And the self managed super fund advice, we usually charge $4.09 5 o. So another $5 for the advice, the accounts, the strategy, the application, the rollovers, and so on. So that's about 10,000 upfront. And then you've got usually about 10 to 20, usually keep aside the things like stamp duty and usual borrowing costs when That's you get a right. property. Things you'd be familiar Yep. with. Yep. K? Now in terms of risk, so because of this cutoff period that we've got, because you're doing off plan, Yes. I'm assuming you're gonna be able to get a contract signed relatively quickly. Is that right? Yep. So that's not too much of a problem. For us, the accountants usually only take one to two weeks to set up all the entities, and we usually go about a fortnight to do the advice, start doing the application, open accounts, and the rollovers can take anywhere between one to three weeks. So on face value, if we started this process with you guys on Monday, we would pretty much just get everything set up in time.","start_word":1289,"end_word":1500,"sentiment":"neutral","sentiment_score":0.09276849783535274},{"text":"The risk is if there's any delay that we wouldn't get the money rolled across and ready for the loan in time.","start_word":1501,"end_word":1522,"sentiment":"negative","sentiment_score":-0.5557068586349487},{"text":"The thing that I'm kind of concerned with at the moment, I've just been talking to all of our brokers in the network. There's about four or five. They're not actually sure whether the banks will continue to do the lending and applications all the way up until that forty fifth day. And if you've got the contract signed, there's no guarantee that they'll actually finalize the loan for you day 46, day 47. Like, let's say you submit it day 39, there's no guarantee they will honor the application and actually approve it after that date occurs on the August 7. K?","start_word":1523,"end_word":1625,"sentiment":"neutral","sentiment_score":-0.2587108910083771},{"text":"So what I'm basically saying here is you're in an actual good financial position to do this through Super, but the risks are that if we don't get it all lined up in time in terms of the accounts, the entities, and the lending, is you may have gone through all of this to set it all up, pay all this money, and then you just missed out by four days.","start_word":1626,"end_word":1696,"sentiment":"negative","sentiment_score":-0.3806220293045044},{"text":"Okay. What can we do? So my my honest answer here is you're probably better off purchasing it directly than rather than through super. And if you're gonna go through the super outlet, say that you're adamant, no. We've got it here. We know it's financially viable.","start_word":1697,"end_word":1743,"sentiment":"neutral","sentiment_score":-0.2431851029396057},{"text":"We're just gonna go ahead and get this done in time, is even potentially skip us altogether.","start_word":1744,"end_word":1760,"sentiment":"negative","sentiment_score":-0.44707390666008},{"text":"Sorry. What's the last bit? Now so skip using our Q Financial altogether is an option that you do have. So for example, let's say you engage an accountant and set up all your entities, and then you just open up your own self managed super fund bank account with whichever bank owned by those entities, we can help you Yep. sell down funds and roll the funds across.","start_word":1761,"end_word":1829,"sentiment":"neutral","sentiment_score":0.023303276818731556},{"text":"But for us to step in and do the advice and tell you which providers to go with, that's gonna be the part that pushes you over that line and possibly gets you to miss out on that deal.","start_word":1830,"end_word":1868,"sentiment":"negative","sentiment_score":-0.3875513970851898},{"text":"So what you're gonna take into account, are you comfortable to try it yourself? If the deal can be extended, is is that what you're saying? Like, if we can get the deal to be extended to give us a bit more time, then then it will be okay? It's probably the opposite there, Viv, because if you getting the contract signed before that forty five day cutoff, that's the most important thing, and then it's making sure that you get the loan application approved in time. Right. Oh, okay. Because the setup and everything is eating into the time of the loan application, like, into the forty five Correct. days. So Right? if we try and go through our usual advice process, get you to sign your statements of advice, set up accounts and applications and everything, that might be three, four weeks down the line before we get all the funds rolled across if everything goes perfectly. Whereas technically, and I'm not telling you to do this, but if you engage that account and set everything up, you could literally go to the bank with all of your information and then just open up the bank account straight away within a couple of days. Okay. K. So I'm just giving you that option to say, like, you don't have to go the route that I'm saying. That's our standard process.","start_word":1869,"end_word":2100,"sentiment":"neutral","sentiment_score":0.09744396060705184},{"text":"The risk is that we miss it by a couple of days.","start_word":2101,"end_word":2112,"sentiment":"negative","sentiment_score":-0.4231690466403961},{"text":"If it's something that you're really set on pursuing yourself, you can do that.","start_word":2113,"end_word":2126,"sentiment":"neutral","sentiment_score":0.16649281978607178},{"text":"We can help facilitate things like selling down your hub 24 so it's available to roll across quickly.","start_word":2127,"end_word":2144,"sentiment":"positive","sentiment_score":0.3862724304199219},{"text":"But you just need a really good accountant who can actually set everything up and actually do the rollovers properly. What's been happening this year for me personally is I've gone through five self managed super fund setups. Three of them took about six to eight weeks. One of them took four months. One of them took nine months. And that was just Superfunds being weird about details. The ACO taking its time to apply bank account details to allow rollovers.","start_word":2145,"end_word":2225,"sentiment":"neutral","sentiment_score":-0.04578379771591705},{"text":"Whoever was typing in the details from the SuperStream system was typing in the wrong details of the fund, and then that was bouncing back.","start_word":2226,"end_word":2250,"sentiment":"negative","sentiment_score":-0.4488036632537842},{"text":"And then there's this troubleshooting of every single detail for the trust and the company and the accounts. You've got to make sure you cross reference about 46 digits of data, essentially. So with the self managed, we also manage that ourselves. That's pretty much what it is about. Is that right? Like, if we Yeah. we So take everything out and then, obviously, we don't have any but then you you were talking about the investment, the hub, and all of that. That's because we're still linked to you guys as a self managed fund. Yeah. I'm That's not a I'm fantastic not question, and that's a great way yeah. to put it, this. So the ones that we're currently looking after at the moment is Yep. people have that bank account, that property, but then they've Yep. got, like, a hub or a Macquarie or some sort of investment account linked to it so that Yep. we can continue to invest funds and give them advice to help with the retirement goals. Right. So it's not entirely, you you know, us managing that. We still got, like, in that sense. Yeah. That's right. A So little bit of help in that sense. What comes down through for you personally that you have to do is every Mhmm. year, you'll do an audit of the super funds and a tax return for the super funds. So you'll go to an accountant, get all the reports printed out from your bank account and rental agents and everything, and you'll have to actually go through an audit process and tax return on a yearly basis to maintain that fund every year. I think it's about 2,200 a year that they charge most of the county. I see. Okay. Okay. Look, how do I have Yeah. to do this in the price? The the the only problem we consider we consider to buy using the super is because we don't have $40 to pull out of the air in order to pay that deposit, Yes. which which were they said was, like I I can't remember. Right? So what if we were to, like, completely I don't know. Do you guys help with refinancing? Yeah. I mean, we've got, like I said, five different brokers, and I usually do the, you know, general advice and the strategy side of things. And then it's just trying to link you up with the right people. I don't know Because if you guys just use your bank or yeah. Well, we the thing is, maybe that could be another option, like, refinance, borrow, and then just have a new plan in place. Does that is that something that would work? Like, so we can get, like, the deposit. Is it enough? I mean, we're still gonna have to borrow the value of the house? I don't know. I'm I'm really Yeah. a beginner in this. Have you guys ever had an investment property before? No. We we don't have any program. Very new to us, and we obviously want to Yep. to have our foot in the market. We just wanna know, like because obviously, you guys know about our financial I mean, our super. Right? That that numbers. And, like, we just want, like, Yeah. step by step running through what are our options and what would be the what yeah. For us to decide on which way would be good. Definitely, we we want we're renting at the moment.","start_word":2251,"end_word":2836,"sentiment":"neutral","sentiment_score":0.045067149589518435},{"text":"We're happy where we are.","start_word":2837,"end_word":2841,"sentiment":"positive","sentiment_score":0.42404305934906006},{"text":"You know, we we don't wanna move somewhere far away from where we are. Right? And Yeah. so yeah. So yeah. We just want to know the option. You know, we we don't mind getting an investment if that's gonna help us in the future to, you know, borrow and buy or purchase our own place. So it doesn't have Yep. to be a a yeah. Move in. We just want to we just want something to own something. Yeah. Yeah. Get to put in So the market and start, you know, building assets personally, I guess, is what you're trying to do. Right? yeah. Exactly. So it's just that we are obviously super rich, but not well, I wouldn't say rich, but, like, but, you know, like, with all our income, it's all expenses with rent and kids and all that stuff. So it's just very hard for us. Yeah. So what can we So do you don't have to that deposit built up at the moment or or property no. to borrow No. off? No. So and what's doable, what's not. You know, we just need that advice around what we have right now, what can be done, if we need to say, what what is our plan, that kind of thing. Because I think we both of us spoke differently to different advisers before about and then they did briefly talk about self manage and all of that stuff. But at that point in time, it was just because I was pregnant and all that and, you know, like, it was just a a lot to to take in. So well, we're settled now. We've got two kids, so we just want to Yeah. do something right now. You know what I mean? So And the if cool if thing possible. too is now that you kind of settled, I have actually given you guys a dedicated adviser, Dana, who's gonna be looking after you as as a couple, and we're able to kind of look at you as a family unit to Mhmm. discuss and plan these joint goals rather Mhmm. than talking to different advisers, getting different opinions sort of thing. Totally. Yep. Yep.","start_word":2842,"end_word":3210,"sentiment":"neutral","sentiment_score":0.0292064452564046},{"text":"So that's gonna be really helpful because Dana's fantastic. She will go to the end of the year for her clients Mhmm.","start_word":3211,"end_word":3232,"sentiment":"positive","sentiment_score":0.481971800327301},{"text":"Mhmm.","start_word":3233,"end_word":3233,"sentiment":"neutral","sentiment_score":0.21220740675926208},{"text":"all night, every night, and figure out everything that's possible. She's brilliant.","start_word":3234,"end_word":3245,"sentiment":"positive","sentiment_score":0.4754675328731537},{"text":"Mhmm. Now when I look Yep. at you guys as a as a couple, Yep. would you would you say that you're kind of first home buyers if you guys owned a property before? Yeah. We're a first time buyers. Yeah. We will be first Yep. time buyers.","start_word":3246,"end_word":3293,"sentiment":"neutral","sentiment_score":0.06695304717868567},{"text":"So the good thing at Mhmm.","start_word":3294,"end_word":3299,"sentiment":"positive","sentiment_score":0.44605106115341187},{"text":"least is that it's not the best legislation in the world, but there are those those rules now that people Mhmm. can do, like you said, the 5% deposit, and you get to skip the the LMI for not having a 20% deposit for your first time. So there's definitely things that the government's trying to do to give Yep.","start_word":3300,"end_word":3359,"sentiment":"neutral","sentiment_score":0.1203513815999031},{"text":"you guys access to it, and you've Yep. got good income. So at some point, you'll be able to get into it.","start_word":3360,"end_word":3381,"sentiment":"positive","sentiment_score":0.4092533886432648},{"text":"It's Yep. about Yep. how and when. Exactly. Now one of the things that you can do is exactly what you said is, do you go for that first home that you own and and live in yourself and then an investment after that? Or do you get the investment first and then use that as a stepping stone to your own home? Yep. Now that property that you're looking at already for 800,000, that Yep. I'm assuming is it been recently built? It's pretty how long would that property be, the the apartment? It's it's brand new. It's it's It's a maritime complex that they're about to a new development area that maritime is putting Yep. up. And And they will finish the end of next year. So they're just getting people with who to buy and everything like that. So Okay. So I'm definitely gonna say a no on the self managed super route because if it's not finished yet, you may run into even more trouble where the lender just says, no. We're not gonna we're not gonna approve Got this it. application. Yeah. But there's a couple of cool things. So because it's new, you get to avoid all those issues of not having to not being able to do negative gearing and things like that because the government Mhmm. Mhmm. wants it to be focused on new properties to get those Mhmm. benefits.","start_word":3382,"end_word":3619,"sentiment":"neutral","sentiment_score":0.04284136277474776},{"text":"So a new investment property or your own home, that's your best two options, and that's the route to go.","start_word":3620,"end_word":3639,"sentiment":"positive","sentiment_score":0.4769305288791657},{"text":"Just to sort of take a step back in terms of a few basics of lending here. So when I got my investment property, we had paid down our mortgage a little bit. So we had a bit of equity, and we basically borrowed a bit off of that home to get the deposit for the next place. Now the way it kind of works is, let's say, I need a it's an $800,000 property, and I need a $200,000 deposit. So I'm borrowing 200 off my home so that goes up in my repayments increase. But then I only need 600 on the investment property Mhmm. to make the full 800,000. So, overall, you've got 800,000 in debt, but 200 you kind of got on your own home paying personally, 600 is on the property. Now what this Mhmm. kind of means is there's this really cool little trick I do where if you have an $800,000 property, if it's paying you 800 a week rent, that's a 5% rental return. Do you know how much that property would be renting for approximately? Is it $9,001,000, Mhmm. Yep. something Yep. above there? Around the $9.09 50 mark. Yep. Yep. Yep. So anything above 800 a week, you're starting to go up to six or 7% rental return. And the reason why I say that is because the the interest rates these days, You're going to be paying that 6 or 7% interest rate for that loan. So you wanna kind of make sure that it can kind of pay for itself to a degree and that you're Yep. not forking out $500 a week personally just to keep it running. Yep. Mhmm. Right? So negative gearing is okay.","start_word":3640,"end_word":3928,"sentiment":"neutral","sentiment_score":0.10228545218706132},{"text":"Like, if it's a $100 that you're forking out for it and you get to claim some tax deductions, that's good.","start_word":3929,"end_word":3949,"sentiment":"positive","sentiment_score":0.35120776295661926},{"text":"But, you Mhmm. know, Yep. you guys don't wanna buy an $800,000 property that costs you 400 a week on top Correct. of the rent that it brings in. Yeah. That's what puts people under very quickly. Yep. So $9.50 1,000 starts to get better because you're talking, let's say, 7% interest on a $600,000 loan, but a 7% return on 800,000. So you kind of take into account all your costs and repairs and agent fees. You're getting close to breaking even with that type of property.","start_word":3950,"end_word":4037,"sentiment":"neutral","sentiment_score":0.05918502985415133},{"text":"So I guess the the the problem that I've got though is if you guys don't have the cash available to the deposit, and like you said, you don't have any assets to borrow off at this point.","start_word":4038,"end_word":4075,"sentiment":"negative","sentiment_score":-0.4079619348049164},{"text":"Mhmm. So your main thing would be building up that cash buffer to either get your home or get the investment property. Either way is not a bad idea.","start_word":4076,"end_word":4104,"sentiment":"neutral","sentiment_score":0.1075441837310791},{"text":"Getting the investment property and then building wealth that way, rents vesting, it's not the worst idea, and buying your home and paying it off to the point to get the investment property is not a bad idea either. Both of them are good.","start_word":4105,"end_word":4148,"sentiment":"positive","sentiment_score":0.4583117365837097},{"text":"You do just need a bit of cash behind you. Got it. K? Now just walk me through briefly as well. So in terms of your own cash flow, you've just gone through, like you said, the children. Everything's kind of more stable now. What's the budget looking like for you guys? Are you able to put aside a little bit that you know of on a weekly, fortnightly basis? No. Because our expenses is is very like, with the TRICARE and everything, it's it's quite expensive. So it's very Yeah. hard. We yeah. It's very hard for us to everything with everything rising, like, before we we could. You know?","start_word":4149,"end_word":4259,"sentiment":"neutral","sentiment_score":-0.032437052577733994},{"text":"But right now, we're we're struggling a little bit with the the finances.","start_word":4260,"end_word":4272,"sentiment":"negative","sentiment_score":-0.4004166722297669},{"text":"Just And this can year I just that say we as we well just the most of the people I'm talking through this year, 80% of the people I've spoken to are in the same boat? I have a lot of families who have a combined income of 150 to 250,000.","start_word":4273,"end_word":4323,"sentiment":"neutral","sentiment_score":-0.08708513528108597},{"text":"No one's able to save.","start_word":4324,"end_word":4328,"sentiment":"negative","sentiment_score":-0.43514251708984375},{"text":"No one's building deposits. People Yeah. are kind of just punching their budgets and going, like, what do I do? Do I get rid of the Netflix? So that's only 13 Mhmm. dollars a month. That's not a deposit. If you looked at your budget, I would be I would kind of guess that you're not doing anything too majorly wrong. Like, I I haven't looked at it with you, and it's something Mhmm. that we Mhmm. do do. We do break down budgets with people and see if there is anything glaring that we can point out, but the whole country is kind of in that same boat. Yep. If you're not living in the cheapest suburb of Queensland or Western Australia or in the country of New South Wales areas, nobody in the major centers is actually getting ahead right now despite having that good, Mhmm. you know, dual Yeah. six Income. figure incomes. Yeah.","start_word":4329,"end_word":4485,"sentiment":"neutral","sentiment_score":-0.1404864937067032},{"text":"So I guess it sounds kind of a a bit of defeatism to say like, oh, what can you do? You just kind of get stuck.","start_word":4486,"end_word":4511,"sentiment":"negative","sentiment_score":-0.3662477135658264},{"text":"But what Yeah. I've been telling people that this is usually temporary to the point where we go through these periods where the majority Mhmm. of our generation kind of struggle for that decade, whether it's a recession or or a depression or something Mhmm. like that, but it never lasts thirty, forty, fifty years. Not that you have to wait thirty years to get your first property, but I'm just saying Yep.","start_word":4512,"end_word":4584,"sentiment":"neutral","sentiment_score":-0.08637884259223938},{"text":"that, like, just take some heart in the fact that you're not doing something astronomically wrong and everyone else is having a great time. It's like we're all kind of in the same boat.","start_word":4585,"end_word":4618,"sentiment":"positive","sentiment_score":0.40140166878700256},{"text":"Mhmm. Yep. Yep. Even myself. So I've got investments. I've got investment properties, good income, free children, and so on. We're kind of just been in the holding pattern for two years now where we're just trying to keep things moving because everything's gone up. The the groceries is $3.04, 500 a week. The Yeah. It's electricity crazy. is a thousand Yep. a quarter, but we've got solar and it's just like everywhere I look, there's just money flooding out for everything under the sun. Yep. So one thing that definitely budget assistance, we can send Yep. through a budget planner, fill that in. If there's anything that I can notice with Dana that's glaringly obvious, we'll let you know. Mhmm. Outside of Yep. that, when we can get some cash built up, we've got all the brokers that can get you the best best loans, best structures for you guys, whether it's your own home or an investment.","start_word":4619,"end_word":4777,"sentiment":"neutral","sentiment_score":0.11118419018556489},{"text":"Yep. We've got the professional network available for you guys.","start_word":4778,"end_word":4787,"sentiment":"positive","sentiment_score":0.4007652401924134},{"text":"Mhmm. Yep. Sure. Just to kind of cycle back to the start of the conversation, I don't think you should put yourself through the stress of trying Mhmm. to set up a a super fund to buy a property right now because it's stressful enough normally, and I've been doing it for twelve years now.","start_word":4788,"end_word":4842,"sentiment":"neutral","sentiment_score":-0.18620510399341583},{"text":"SMSFs are quite stressful to to set up and also run.","start_word":4843,"end_word":4853,"sentiment":"negative","sentiment_score":-0.42868131399154663},{"text":"Mhmm. And this cutoff period where if we start on Monday, we've got thirty nine days, I've never seen anything like it before. Mhmm. No. That's good So advice. I'm Yep. at that point where I would love to say, yeah. We'll charge you some money, and we'll set this up, and I'll promise you everything under the sun. But for everything Yep. to line up between the broker, the accountants, the banks, the advisers, the application, the accounts, something's gonna go wrong.","start_word":4854,"end_word":4936,"sentiment":"neutral","sentiment_score":-0.12172402441501616},{"text":"Something's gonna delay it for a week.","start_word":4937,"end_word":4943,"sentiment":"negative","sentiment_score":-0.4495866000652313},{"text":"It happens every day. Yeah. You know what I mean? Yeah. Yeah. Yeah. So if you're comfortable, I I wish I could just hop on this call and just give you quick easy answers and be like, yep. You're gonna have a property in your super tomorrow and another one to live in a year later. We have to go through this sort of slow twelve to twenty four month period of either being very, very deliberate about what we do with every dollar or just waiting for things to kind of ease up a little bit when the Mhmm. economy Mhmm. Yep. comes down. Mhmm. K? Yep. Would you guys like me to send through a bit of a budget planner, get Dana to kind of break it down with you and kind of see if we can notice anything, or do you feel pretty confident with your own cash flow? I don't mind you sending it through just for us to have a look. The other thing is, like, you know, I do take your advice and, you know, we really need to sit, you know, well, my husband and I, not you, to sit down and and and go through what, you know, our, you know, our cash flows and and what we can cut out and save and all that stuff. And it's good to hear that people are also struggling.","start_word":4944,"end_word":5178,"sentiment":"neutral","sentiment_score":-0.01299294612192093},{"text":"It's just not us.","start_word":5179,"end_word":5182,"sentiment":"negative","sentiment_score":-0.3633800745010376},{"text":"We're not the the only one. You know? So yeah. And like you said, you know, I think it's gonna be, you know, another eighteen, twenty four months for that to to kind of settle it or whatnot and and for us to change our financial circumstances, and then we can discuss again. But definitely, I agree.","start_word":5183,"end_word":5239,"sentiment":"neutral","sentiment_score":-0.2857823669910431},{"text":"Like, this whole, you know, self manage, it's confusing as it is. And all all the rush is not worth it. And, yeah, it's not advisable. So we won't proceed on Yeah.","start_word":5240,"end_word":5271,"sentiment":"negative","sentiment_score":-0.5315265655517578},{"text":"with that. We just keep as is and, you know, just look at look at everything properly again. Yeah. And look, I've got these clients at the moment who are exactly like you guys in a similar position. And I've already been on the phone three times today to a buyer's agent, a broker, and an accountant for them. And they have four professionals working on a daily basis to try and get theirs done. And like I said, it's been taking months. So Yeah.","start_word":5272,"end_word":5356,"sentiment":"neutral","sentiment_score":0.01136388909071684},{"text":"they're having to put in a lot of time on a daily basis to forward documents around, sign documents, do phone calls, make decisions, and it's been quite an ordeal for them despite our expertise in making it as smooth as possible.","start_word":5357,"end_word":5398,"sentiment":"negative","sentiment_score":-0.37422606348991394},{"text":"Yeah. Yep. But So do one you thing too sorry. is like Yeah. Go on. yeah. So You go for it. I was just saying, like, you know, let's just say that we we are financially, you know, better in the future, and we reach out. And, you know, we've we still want to use our super to purchase, like, the investment. Like, can that be done? And then we can look at, like, property instead of, you know, there's no, like Okay. Can you hear there's a crossover or something or Yeah. someone's? Sorry. It just cut out for a few seconds there. Yep. So can you hear did you hear what I I just do said? have you back. No. I just heard the part where Oh, you were saying about if things are going to be better in twelve to twenty four months time, can we look at the super fan and then it kind of cut out. Yeah. Yeah. So I was just saying, like, because all this is with the self managed. Like, we don't have to have a property first. Like, have a property in mind we wanna purchase to set this all up, can it be that we set it up first with the view of looking for an investment property? Because I feel that the time, you know, like, the timeline of setting it up and then getting the bank approval, all that stuff. Like, does that make sense? Like, I mean, like, with the self manage, I mean, you can you anyone can decide on that. It doesn't have to be self managed and that the reason for self managed is to buy a property. Is that correct? Like, you you Yeah. can choose to go So with a super or self managed. yeah. Correct. So a couple of things I'd say to that is when you have a self managed super fund, people do it for different reasons. Some people do it to borrow for a property. Some people just want a really specific investment. Like, I've seen people buy a bunch of gold bullion and put it in the safe, and Mhmm. creating your own super fund allows you to do the unorthodox things outside of what a regular fund allows. Mhmm. Mhmm. Yep. The other thing is that your, you know, your hub 24 and and these sorts of super funds, they can Yep. invest you into pretty much any type of asset. We've got property investments and gold and shares and all these kinds of things.","start_word":5399,"end_word":5827,"sentiment":"neutral","sentiment_score":0.08551974248114999},{"text":"So it's not a problem to actually do all kinds of different investments and get a really good portfolio.","start_word":5828,"end_word":5846,"sentiment":"positive","sentiment_score":0.3860978484153747},{"text":"Yeah. But the one Mhmm. problem that you've got with what you mentioned is let's say you set up that self managed super fund. Mhmm. Once that cutoff happens on the August 7, no one will be allowed to borrow money to purchase that residential investment property anymore. Oh, it's because of the new changes. Is that So what you're saying? yeah. So Oh. as soon as that August 7 happens, they are banning borrowing off of your super to purchase a residential investment property. And if it's not Oh, in I by see. then, it's no longer available. Oh, I I get it. Yep. Sorry. I missed that whole call. Yeah. So that's why I was worried saying, if we were to go through all this and you spend 10,000 Yeah. dollars of your super to set everything Yep. up, and then it's like, oh, you missed it by two days, better, like, Yep. close it all down and start again. You Yep.","start_word":5847,"end_word":6010,"sentiment":"neutral","sentiment_score":-0.1886908113956451},{"text":"just lost $10 and That's a month's not work.","start_word":6011,"end_word":6019,"sentiment":"negative","sentiment_score":-0.510372519493103},{"text":"yeah. Exactly. No. Okay. Yeah. Yeah. Yeah. I got it now. Yep. Sorry. I totally did miss the whole, you know, part of time then. Yeah. I didn't understand, but now No. You're understood. okay. It is Yep. it's a lot of wrap your mind around, especially at Yep. the first time. It's Yep. complicated enough as it is to understand verbally, and normally I send through flowcharts and things like that as well, but the legislation Yep.","start_word":6020,"end_word":6097,"sentiment":"neutral","sentiment_score":-0.10717108559149964},{"text":"just makes it more difficult.","start_word":6098,"end_word":6102,"sentiment":"negative","sentiment_score":-0.43069636821746826},{"text":"Yep. One of the things No. I That's would say fine. though as well is that we're not just like the superannuation guys.","start_word":6103,"end_word":6125,"sentiment":"neutral","sentiment_score":-0.04340434819459915},{"text":"If we get to that review in twelve months time and there's other things for us to help you with, Dana and myself and the team, we're gonna coach you through it. We're gonna get you in touch with the right people. We want Yep. everybody to progress through those life stages into those different goals to get the home and the investments and build your wealth and Yeah.","start_word":6126,"end_word":6194,"sentiment":"positive","sentiment_score":0.42060405015945435},{"text":"branch out into whatever you're comfortable doing. Yeah. We just start off with that basis of, you know, superannuation and so on, but we're there alongside you guys the entire time.","start_word":6195,"end_word":6225,"sentiment":"neutral","sentiment_score":0.3032524287700653},{"text":"Yep. Nice. Okay.","start_word":6226,"end_word":6228,"sentiment":"positive","sentiment_score":0.41871121525764465},{"text":"Okay?","start_word":6229,"end_word":6229,"sentiment":"neutral","sentiment_score":0.32649320363998413},{"text":"So Good. anytime you need a chat, book in to have a chat, and we'll kind of coach you through it.","start_word":6230,"end_word":6250,"sentiment":"positive","sentiment_score":0.41753265261650085},{"text":"One thing as a bit of a bit of homework, you did mention that you and you guys need to sit down to talk through your finances a little bit. Yep. Yep. And one thing if you can do it, I don't know if you've done it before. It's a really good way to just flag if there is an issue or not, is Mhmm. just sit down with Pedro sometime and work out of all the things that you spend money on. How Mhmm. much would you categorize as, like, living expenses, like rent and electricity Yep. and and those fuel and all those must haves? Put Yep. Mhmm. that in a category, then put in your, I guess, your splurging. How much do you spend on the Yep. coffee at the shops and buying Mhmm. alcohol and going to the movies? Yep. That's your splurge category. Then you've got long term stuff. How much are you putting aside to pay for holidays and and the larger things Mhmm. of life, You wanna and then process how much can today? you actually save? Okay. How many? Yep. What this does is if you do that as a percentage of your income, usually, you wanna aim for about no more than 60% of your income going to expenses and no more than 10% of your income going towards just splurging money on this, that, and the other. Mhmm. So if your expenses end up being 75% of your income, well, that's the area to focus on. Right? It's either Mhmm. how do we get our expenses down or our income Mhmm. up. And then if the splurge is the quarter of what you earn, then that's Mhmm. what you look at for cutting and so on. Mhmm. So the first thing you do is just get a lay of the land and go, okay. This is all must have absolutely necessary expenses. Mhmm. This is Mhmm. all the the sort of crap, so I'm sorry to say, that Mhmm. we're spending on. Let's percentage it on our incomes as a common combination, Mhmm. and then Yep. just see where the red flag is. 60 Yeah. percent, 10%, 10%, 20% for expenses, Mhmm. Yep. splurging, long term, fun, and savings is the goal. Yep. And you can see very quickly where you guys are are spending the money. Yeah.","start_word":6251,"end_word":6648,"sentiment":"neutral","sentiment_score":0.04672024957367673},{"text":"Sounds good.","start_word":6649,"end_word":6650,"sentiment":"positive","sentiment_score":0.42757973074913025},{"text":"And so I'll include that in an email, and I'll send through, Yep. like, the budget spreadsheet and just a bit of a a bit of a shortcut breakdown for it. Yep. But at Yep. any point, that's probably your next step is just to sit down and go through it. Yeah. You don't have to do it very often because if you do identify some things to change, you still need to kind of give it a go for a few months and then adjust from there because no one's perfect with budgeting those first three months. Mhmm. Yep. It usually takes a couple of years of refining it, if that makes sense. Yeah.","start_word":6651,"end_word":6765,"sentiment":"neutral","sentiment_score":0.049131840467453},{"text":"Good. Thank Okay. you so much.","start_word":6766,"end_word":6771,"sentiment":"positive","sentiment_score":0.5299579501152039},{"text":"Now Yeah.","start_word":6772,"end_word":6773,"sentiment":"neutral","sentiment_score":0.30802005529403687},{"text":"Thank you. I hope that's been helpful, guys.","start_word":6774,"end_word":6781,"sentiment":"positive","sentiment_score":0.5734365358948708},{"text":"I'm sorry I couldn't give you some easy No. answers Totally today. not. You've we've learned a lot, so that's the main aim.","start_word":6782,"end_word":6804,"sentiment":"neutral","sentiment_score":0.05265216901898384},{"text":"Awesome. I'm glad.","start_word":6805,"end_word":6807,"sentiment":"positive","sentiment_score":0.8095664381980896},{"text":"Do you have the questions you've got me that I haven't covered off on? Nope. Everything's fine. Yeah. Yep.","start_word":6808,"end_word":6826,"sentiment":"neutral","sentiment_score":0.1587209403514862},{"text":"Absolutely. Like I said, Dana is your dedicated adviser. I'm here to assist you, and so is Larissa, our head of advice.","start_word":6827,"end_word":6848,"sentiment":"positive","sentiment_score":0.3766738176345825},{"text":"If Yep. at any point you would like to speak to someone, please just call the team and book in with Dana or ourselves. Yep. And like I said, I'll try and email you probably Monday, Tuesday.","start_word":6849,"end_word":6885,"sentiment":"neutral","sentiment_score":0.14253884553909302},{"text":"Yep. And, hopefully, every year, we get a few good wins under the belt, and you guys are in a great position in five years' time.","start_word":6886,"end_word":6911,"sentiment":"positive","sentiment_score":0.6613834500312805},{"text":"Yep. Yep.","start_word":6912,"end_word":6913,"sentiment":"neutral","sentiment_score":0.26022014021873474},{"text":"Thank you so much for your time. Thank you.","start_word":6914,"end_word":6922,"sentiment":"positive","sentiment_score":0.7500472664833069},{"text":"Alright.","start_word":6923,"end_word":6923,"sentiment":"neutral","sentiment_score":0.3308870792388916},{"text":"Take care.","start_word":6924,"end_word":6925,"sentiment":"positive","sentiment_score":0.35913896560668945},{"text":"You guys are Take most care.","start_word":6926,"end_word":6931,"sentiment":"neutral","sentiment_score":0.27980536222457886},{"text":"welcome.","start_word":6932,"end_word":6932,"sentiment":"positive","sentiment_score":0.4685790538787842},{"text":"Yep.","start_word":6933,"end_word":6933,"sentiment":"neutral","sentiment_score":0.28459131717681885},{"text":"Have Bye. a great Have a good day. You too.","start_word":6934,"end_word":6943,"sentiment":"positive","sentiment_score":0.5267064571380615},{"text":"Bye.","start_word":6944,"end_word":6944,"sentiment":"neutral","sentiment_score":0.25835442543029785},{"text":"weekend. Cheers.","start_word":6945,"end_word":6946,"sentiment":"positive","sentiment_score":0.4851790964603424},{"text":"Bye.","start_word":6947,"end_word":6947,"sentiment":"neutral","sentiment_score":0.32536929845809937}],"average":{"sentiment":"neutral","sentiment_score":0.0390505963348122}}}}